Analysts in the year 2000 are likely to look back on the 1995-99 period as one in which the consolidation movement fundamentally reshaped the structure of banking and greatly strengthened its competitive position vis- a-vis nonbanks.

According to "Bank Consolidation: Strategies for the Next Wave," a study written by First Manhattan Consulting Group and published by the Bank Administration Institute, banks are beginning to make consolidation work for the shareholder.

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