+++

A

Acxiom, 14

Amazing Smart Card Technologies, 13

American Bankers Assn, 2

B

Bailey Bank, 7

Bank One, 1,8,30

BankAmerica, 1,5,30

BankBoston, 14

Billserv.com, 14

Bostonfed, 30

C

Cardis, 13

Chase, 1,30

Checkfree, 14

Citigroup, 1,30

Columbia (Md.), 7

Credit Suisse, 1,30

CyberCash, 14

D

Deluxe, 14

Discover Financial Services, 1

Donaldson, Lufkin & Jenrette, 24

Dun & Bradstreet, 14

F

First Union, 30

First United (El Dorado, Ark.), 7

First Virginia, 1

G

GartnerGroup, 1

Global Concepts, 14

Goldman Sachs, 30

Greenlining Institute, 5

Greystone Peripherals, 13

H

Hambrecht & Quist, 30

High Frequency Economics, 24

Home Federal (Seymour, Ind.), 30

Houlihan Lokey Howard & Zukin, 1

I

Imperial (Los Angeles), 6

Indep Bankers Assn of America, 2

Indep Bankers of Texas, 2,4

J

Josephthal, 24

K

Keefe, Bruyette & Woods, 30

Kenneth Kehrer Associates, 8

KeyCorp, 6

L

Legg Mason, 30

M

Marshall & Ilsley, 6

MasterCard, 1,13

Merrill Lynch, 1,14,24

Michigan Natl, 1

Mondex, 13

Morgan Stanley, 30

N

Natl Assn of Purchasing Managers, 24

New York Life, 8

P

Pacific Thrift and Loan, 7

Palladin Group, 14

Peak Natl, 7

PriceWaterhouseCoopers, 8

Publicard, 13

R

Reliance Trust, 30

Rose Glen Capital Management, 14

Roslyn, 30

S

Sanwa, 1

Securities Data, 1

Sibson & Co., 8

Silicon Valley, 6

Smart Card Industry Assn, 13

T

T R Financial, 30

U

U.S. Bancorp, 30

V

Van Kasper, 1,5

W

Weil, Gotshal & Manges, 6

Wells Fargo, 1,30

Westamerica, 7 ===

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