+++ A Alliance Capital Mgmt, 14 American Bankers Assn, 8,9,24 AmSouth, 11 Appro Systems, 18 B Bank of Rothville (MO), 6 Bankers Trust, 24 Banksys, 17 BankUnited, 7 Bay State Federal, 7 Bull Group, 16,17 C Card Establishment Services, 18 Centrust, 6 Cerulli Associates, 14 Charter One, 7 Chase Manhattan, 10,15,18,19,24 Checkfree, 19 Chemical, 24 Citicorp, 14,19,24 Clayton Dubilier & Rice, 14 CO Bankers Assn, 6 Columbia Savings (NJ), 7 Community Bankers (FL), 6 Conference of State Bank Supervisors, 6 Countrywide Credit, 10,11 CWM Mortgage Holdings, 11 D Dalbar Publishing, 14 E Electronic Payment Services, 16,17 Equipment Leasing Assn, 24 F Fair Isaac, 18 First Chicago, 19,24 First Data, 18 First of America, 15 First Union, 24 FL Bankers Assn, 6 Franklin Resources, 14 Fried Frank Harris Shriver & Jacobson, 8 G Gemplus, 16,17 Giesecke & Devrient, 17 Goldman Sachs, 24 Great Neck Bancorp, 6 I Imperial, 18 Independence (NJ), 7 Independent Bankers' (FL), 7 Intuit, 19 J J P Morgan, 24 K Keycorp, 11 L Lehman Brothers, 24 Lipper Analytical Services, 15 Lowndes, 18 M Market Street Mortgage, 10 MasterCard, 16 Maxxus, 18 MCA Mortgage, 10 MCI, 18 Mellon, 15 Metmor Financial, 10 Michigan Natl, 19 Microsoft, 19 Mid Atlantic Medical Services, 7 Missouri Bankers Assn, 6 Missouri Independent Bankers Assn, 6 Missouri Southern, 6 Money Store, 24 Morrison & Foerster, 19 N Natl Assn of Government Guaranteed Lenders, 24 Natl Assn of Mortgage Brokers, 10 NationsBank, 24 North Fork, 6 Norwest, 24 O Online Resources & Communications, 19 Orga, 17 P Piedmont, 7 Primerit, 7 Proactive, 8 Prudential, 10,24 R Racom Systems, 17 Residential Services, 10 Robert W Baird, 11 Roosevelt Savings (NY), 7 Royal Bank of Canada, 17 S S G Warburg & Co, 24 Salomon Brothers, 11,24 Sandy Spring, 7 Savings & Community Bankers of Americ,, 7 Schlumberger, 16,17 Scott & Stringfellow, 7 Second Bancorp (OH), 7 Simsbury, 7 Smart Card Forum, 17 Standard Register, 18 Sunrise Bancorp's, 6 T Thorn EMI, 16 U U S Bancorp, 19 Union State (NY), 7 V Van Kampen/American Capital, 14 Veribanc, 9 Visa, 16 W Wachovia, 8 Wells Fargo, 24 Western Union, 9 ===

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