+++ A America's Community Bankers, 2 American Asset Mgmt, 10 American Bankers Assn, 1,14 Ames Department Stores, 17 AmSouth, 24 Arbor Natl Mortgage, 9 AT&T, 17 B Banc One, 11,13 Bank of New York, 4 BankAmerica, 4,9 Bankers Trust, 4 Barnett, 4,24 BayBanks, 11 Broadway & Seymour, 13 Buypass, 17 C Cambridge State (MN), 7 Capital Corporate Federal CU, 1 Capital One Financial, 4 Card Establishment Services, 16 Chase Manhattan, 4,14 Checkmate Electronics, 17 Chemical, 1,4,11,14 Citicorp, 4,11,14,17,24 Citizens Financial Group, 5 Clarke American, 14 CMAC Investment, 9 Countrywide Funding, 10 Covington & Burling, 1 Crestar, 24 CVS, 17 D Deloitte & Touche,, 1 Deluxe, 14,17 E Eckerd, 17 Essex, 7 European American, 4 F Federal Natl Mortgage Assn, 9 Fentura, 13 Financial Stationers Assn, 14 FinExc Group, 8 First Bank System, 17 First Financial Mgmt, 17 First National (NE), 17 First Security, 9 First Union, 11 First Union National, 4 Fleet, 9 G GE Capital, 16 Georgia-Pacific, 14 H Hamilton Financial Services, 9,10 HSBC Holdings, 5 Hubco, 12 Hubco, 16 Hypercom, 17 I IBM, 17 Independent Bankers Assn, 2 Intel, 17 Internatl Verifact, 17 Interstate/Johnson Lane, 24 J J C Penney, 17 Jack Henry & Associates, 13 John H Harland, 14 John Nuveen, 11 K K-mart, 17 Keefe Bruyette & Woods, 7,8,9,10 Keycorp, 13 L Legg Mason, 12 Liberty Financial, 11 M MasterCard, 17 MGIC, 9 Midway Natl (MN), 7 N Natl City, 17 Natl Community Reinvestment Coalition, 1 Natl Data, 17 Natl Retail Federation, 17 NationsBank, 24 Nocopi Technologies, 14 Nordstrom, 17 North American Mortgage, 9 Nova Information Systems, 17 O Olivetti, 17 P Pacific (CA), 7 Pacific Crest Securities, 9 Payment Systems, 1 Piper Jaffray, 9 Plaza Home Mortgage, 9 Private Sector Automated Clearing House Exchange, 14 Putnam Trust, 1 R Robinson Humphrey, 24 Royal Bank of Scotland, 5 S Safeway, 17 Savings & Community Bankers of America, 2 Sears, 17 Signet, 4 Society, 13 South Trust, 24 Southern Natl, 24 St Paul, 11 Sterne Agee & Leach, 24 SunTrust, 24 T Tower Group, 13,14 Tower Records, 17 U United Companies, 24 V Van Kampen/American Capital, 11 Visa, 14,16,17 W Wachovia, 24 Western (OR), 7 Western Corporate Federal CU, 1 Winn-Dixie, 17 Y Yankelovich Partners, 17 ===

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