+++

A

Advest,1

American Assn of Bank Directors.,7

American Bankers Assn,1,3

American Century,28

American General Group,1

Ameritrade,28

Archipelago,28

Authentic8,16

B

Bamboo.com,12

Bank of America,10,13,28

Bank of Lakewood (Calif.),8

Bank One,10

BankBoston,1

Bankers Trust,6

Bauer Financial,8

Brand Consultancy,10

Brenton Banks,4

C

Chase,5,28

Citigroup,10,13,28

Citizens Financial (Providence, R.I.),1

Columbia Financial Advisors,7

Commercial Federal (Omaha),4

Community West (Goleta, Calif.),7

Compass,6

Credit Suisse,28

D

Deutsche,6

Donaldson, Lufkin & Jenrette,28

E

E-Trade,28

Ely & Co.,1

F

Fannie Mae,26

Federal Legislative Associates,3

Financial Northeastern,28

Financial Research Corp,13

First Union,10,13

First State (Purdy, Mo.),8

First Union,17

Firstar,4

Fitch IBCA,1

Fleet,1,5,6,28

Freddie Mac,26

G

Gemplus,14

Gerrish & McCreary,7

GN Mortgage,26

Goldman Sachs,1,28

Greater Bay,7

H

Hovde Financial,7

I

Instinet,28

Intel,16

Ipswich Bank,12

J

J.P. Morgan,1,28

K

Keefe, Bruyette & Woods,7

Keller Williams,12

L

Lipper Analytical Services,13

M

MasterCard,11

Mellon,13

Mercantile (St. Louis),4

Merrill Lynch,28

Microsoft,16,26

Moody's Investors Service,1

Morgan Stanley Dean Witter,28

N

Natl Consumer Law Center,3

Noble Roman's,8

P

Pacific Thrift and Loan,8

Premier BancShares,7

Proton,14

Provident (Cincinnati),8

R

Raymond James,28

ReliaStar,28

Reuters,28

Royal Bank of Scotland,1

RSA Data Security,16

S

Salomon Smith Barney,26

Sanford C. Bernstein,26

Securities Data,5

Security Dynamics Technologies,16

Sheshunoff Information Services,4,7

Smart Card Industry Assn,11

St. Paul,28

Standard & Poor's,1

State Street,1

Suntrust,6

Synovus Financial,10

T

TD Waterhouse Securities,28

Toronto-Dominion,28

Transpoint,16

Tucker Cleary,1

U

U.S. Bancorp,28

Union Planters,6

V

Veribanc,1

Visa,3,11

W

Wells Fargo,10,28

Westamerica,7

Wright Investors Service,6 ===

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