+++ A American Express, 9 Arthur Andersen, 16 B Banc One, 5 Banco Mexicano, 11 Bank of Astoria (OR), 15 Bank of New York, 1 Bank One Texas, 14 Bankers Trust, 24 Bankers Portfolio Lenders, 9 BankSouth, 16 Beneficial, 5 C Colonial Group, 18 Commerce Bank of Kansas City, 11 Commercial Federal, 6 Community Bankers Assn (NY), 8 Consumer Bankers Assn, 2 Cornhusker, 7 CS First Boston, 1 E Electronic Filing Coalition of America, 5 F Financial Mgmt Solutions, 16 First Chicago, 16 First Data, 11 First Interstate, 2 First Natl (MA), 14 First of America, 4 G Gartner Group, 17 GMAC Mortgage, 9 Greenwood Trust, 5 H Harbinger EDI Services, 17 Heine Securities, 1 Household International, 11 I Independent Bankers Assn of America, 2 Internet, 11 Investment Company Institute, 12 J J P Morgan, 5 K Kaiser Associates, 6 Keefe Bruyette & Woods, 1 Keycorp, 15 L Laughlin Group, 18 Liberty Mutual Group, 18 Lincoln Savings (IA), 14 Lockport Savings, 6 M Machias Savings, 14 Magic Line, 11 MasterCard, 11 Mellon, 5 Michigan Natl, 1,4 Most, 11 N Natl Assn of Govt Guaranteed Lenders, 14 Natl Australia, 1 Natl Education Assn, 9 NE Bankers Assn, 7 NE Credit Union League, 7 NE Independent Bankers Assn, 7 NY State Bankers Assn, 8 NY State Independent Bankers Assn, 8 Norwest, 9 O Online Resources, 11,16 P Porges/Hudson Marketing, 9 Procter & Gamble, 24 Prudential, 9 R Riggs National, 6,8 Robert Morris Associates, 8 RogersCasey, 19 S Sanford C Bernstein, 19 Secura Group, 6 Security Bank (Sidney), 7 SmartPay Processing, 11 Source One Mortgage, 1 Sprint, 17 State Street Boston, 19 T Texas Instruments, 17 The Money Store, 2 Truckee River, 14 U U S Bancorp, 6 U S Order, 11 UJB Financial, 6 Union, 18 United States Trust, 6 V Verifone, 11 Visa, 11 W Wachovia, 6 Wertheim Schroder, 1 Western Heritage CU, 7 Westpac, 1 ===

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