+++ A Alex Brown & Sons, 18 Alliance Mortgage, 18 American (MN), 13 American Bankers Assn, 1 American Institute of CPAs, 30 American Natl (OK), 1 B Banc One, 6,8,33 Bank Harapan Santosa, 32 Bank of Boston, 33 BankAmerica, 10,33 BankCal Tri-State, 6 Barnett, 11 Broadway & Seymour, 24 C California Security, 32 Capital Corporate Federal CU, 16 Cerulli Associates, 33 Chase, 3,33 Chemical, 4,10 Chevy Chase Federal Savings, 3,14 Citizens Equity Federal CU, 1 Concord EFS, 24 Consumer Bankers Assn, 9 Countrywide Credit, 18 Credit Union Natl Assn, 16 CUNA Mutual Group, 17 CWM Mortgage Holdings, 18 D David Olson Research, 18 E Emerging Markets Trade Assn, 6 Ernst & Young, 10 Evergreen, 34 F Fair Isaac, 11 Federated Investors, 33 Fidelity Investments, 4,32 Fifth Third, 6 Financial Research, 33 First Bank System, 13,21 First Commerce, 32 First Data, 23 First Interstate, 3 First Michigan, 34 First National (CA), 3 First Union, 10,31,34 Firstar, 10 Fiserv, 24 Fleet Financial, 1,11,31,32 G Goldman Sachs, 33 Gruntal, 4 H H F Ahmanson, 18 Hoefer & Arnett, 32 Hovde Financial, 13 I Independent Bankers Assn, 1 Internatl Business Machines, 24 Investment Company Institute, 31 ISD/Shaw, 2 K Katten Muchin & Davis, 2 Keefe Bruyette & Woods, 1 Keycorp, 4,6,32 L Lipper Analytical Services, 20,31 M Maine Bankers Assn, 17 Manufacturers, 3 Mellon, 31,34 Merck, 21 Mercury Finance, 4 Merrill Lynch, 4 Midland Loan Services, 18 Minnwest, 13 Montgomery Securities, 4 Mortgage Bankers Assn, 19 N Natl City, 31 Natl Commerce (TN), 4 Natl Community Reinvestment Coalition, 14 NationsBank, 8,14 Neighborhood Development Bank (CA), 3 North American Mortgage, 18 Northern Trust, 3,6 Norwest, 4,11 P Pacific, 32 Peninsula, 3 PNC, 18 R Robert E Torray & Co, 1 Robert Morris Associates, 11 S Saco Valley CU, 17 SafeCard Services, 22 Salomon Brothers, 2 Sanwa, 6 Scripps, 3 SEI, 24 Skadden Arps Slate Meagher & Flom, 2 Smith Barney, 19 SNL Securities, 12 Star Banc, 11 State Street Boston, 4 Stifel Nicolaus, 12 Strategic Insight, 31 Sungard, 24 T The Gap, 4 U U S Bancorp,, 4 U S Wireless Data, 21 Union, 3 United Asset Mgmt, 6 Univeristy of Maine CU, 17 V Visa, 21 W Wal-Mart, 4 Wells Fargo, 1,3 Western, 32 Windsor (MN), 13 ===

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