A A.M. Best, 1 ABN Amro, 30 Adams County (Gettysburg, Pa.), 13 Advance Bank of Australia, 18 Alex Sheshunoff, 6 American Bankers Assn, 2,13 American Express, 13,18 Antelope Valley Bank, 13 B Bank Austria, 18 Bank Funds Group, 30 Bank One, 6,30 BankAmerica, 6,8,30 BankBoston, 30 Bankers Trust, 1 Barclays, 15 Bear, Stearns, 4 Bisys Group, 19 Blaylock & Partners, 15 Blockbuster Video, 9 Brintech, 13 Britton & Koontz, 13 Burger, Carroll & Associates, 8 C California Bankers Assn, 13 California Trial Lawyers Assn, 8 Capstead Mortgage, 30 Card Capture Services, 9 Centura, 5 Chase, 1,4,6 Citigroup, 1,9 Citizens Natl (Evans City, Pa.), 8 Consumer Action, 8 Countrywide Home Loans, 14 Credit Union Natl Assn, 2 Cupertino (Calif.) Natl, 13 Cybercash, 18 D Dean (Vienna, Va.), 1 Delta Funding, 14 Den Norske, 18 Deutsche, 18 Digicash, 18 Dollar, 8 E Electronic Data Systems, 19 Electronic Funds Transfer Assn, 8 F Fifth Third, 30 Financial Institutions Insurance Assn, 11,12 First Mortgage, 14 First Union, 4 Fiserv, 19 Fleet, 1,4,5 G Global Concepts, 18 H Hartford Financial Services, 1 Heartland Advisors, 30 Hewlett-Packard, 9 Hollywood Entertainment, 9 J J.P. Morgan, 1 K Keefe, Bruyette & Woods, 1 L Laredo National, 6 Lawrence Savings (North Andover, Mass.), 13 Local Federal (Oklahome City), 29 M Market Partners, 13 MasterCard, 18 Mellon, 8,30 Mercantile Financial Enterprises, 6,18 Merrill Lynch, 5 Morgan, Lewis & Bockius, 11 N Natl Assn of Federal Credit Unions, 2 Natl City, 8 Natl Credit Union Administration, 2 New Canaan Bank and Trust, 4 Nikko, 15 Normandy Bank (St. Louis), 13 P P.T. & Associates, 5 PaineWebber, 30 Pergolis Swartz Associates, 29 PNC, 8,30 S S&P Equity Research, 1 Salomon Smith Barney, 1 Sheshunoff Information Services, 4 Smith Breeden Associates, 15 Southwest Bank of Texas, 13 Stifel, Nicolaus, 30 Summit, 4 T Towers Perrin, 12 Travelers, 1 Trust Insurance Services, 12 V Veribanc, 13 Verifone, 8 Viacom, 9 Video Update, 9 Visa, 18 W Wells Fargo, 6,13,30 West Coast Video, 9 ===

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