+++

A - B

ASB Capital Management 32

Advanced Financial Solutions 8

American Express 32

Automated Financial Systems 20

BB&T 30

Bank Analysis Center 1

Bank One 4

Bank of America 1,4,30

British Bankers' Assn 1

C

California Federal Bank 20

Capital One 32

Carolina First 8

Charter One 32

Chase ,1,4,32

Checkfree 21

Citigroup 1,4,21,22,30,32

Comerica 13

Competitive Media Reporting 4

Concord EFS 22

Costco Wholesale 32

Credit Suisse 30

Cybercash 32

D - F

Dan's Supermarket 22

De Novo 4

Duff & Phelps 1

Fair, Isaac 8

First Charter (Concord, N.C.) 8

First Commerce (Charlotte, N.C.) 8

First National Bank (Keystone, W.Va.) 2

First Security 30

First Union 4,13

First Virginia 8

Firstfed Financial (Santa Monica,Calif.) 8

FleetBoston 1

Food Marketing Institute 22

G - L

GartnerGroup 21

Global Transaction 22

Golden State Bancorp 20

Gooding's Supermarket 22

Hardwick Holding 30

Hibernia 20

Intl Swaps and Derivatives Assn 1

J.P. Morgan 32

Keefe, Bruyette & Woods 32

Kroger 22

Landor Associates 4

Lehman Brothers 1

Lipper 1

Lynch, Jones & Ryan 32

Magnet Communications 20

Marshall & Ilsley 21

MasterCard 6

Maxwell Associates 1

Microsoft 21

Mondex 6

Morningstar 1,13

NYCE 22

National City 32

New York Bankers Assn 32

Northern Trust 1,13

Optima Group 13

P - Z

Pittsburgh Home Savings 8

PricewaterhouseCoopers 1

Professional Bancorp 8

Reuters 32

Robert Morris Associates 1

Robinson-Humphrey 30

Ryan, Beck 32

SEI Investments 20

SEME 6

Sandler O'Neill 8

Secure Commerce Services 30

Sovereign 1

SunTrust 1

Thomson 13

Thornburg Mortgage 9

Transpoint 21

U.S. Bancorp 13

U.S. Public Interest Research Group 32

USABancshares.com 30

Visa 22

Wachovia 30

Webster Financial 32

Wells Fargo 1 ===

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