+++ A ABN Amro,5 Accelerated Recievables Mgmt,4 Adirondack Trust,5 Alston & Bird,1 American Bankers Assn,2,3 Associated Credit Bureaus,12 AT&T,14 B Banc One,5,7 Banco Union,12 Bank of South Windsor,1 Bankers First,1 Bankers Trust,4,20 Barnett,2,10 Bell Atlantic,14 Blank Rome Comisky & McCauley,3 Bomac Capital,8 Brown Brothers Harriman,10,20 C C J Lawrence,20 Canadian Imperial Bank of Commerce,5 Capital State (WV),7 Chemical,20 Citizens Southern (WV),7 Community Bank System,1 Credit Industriel et Commercial de Paris,15 E Electronic Payment Services,13 European American,5 F First Bank System,20 First Data,13 First Fidelity,20 Firstar,4 Fleet,10 Foreman DeGeurin & Nugent,6 Fried Frank Harris Shriver & Jacobson,1,3,5 G Gibson Dunn & Crutcher,3 H Heritage (WV),7 HSBC Holdings,5 Huntington,7 I Independent Bankers Assn,2,3 Independent Insurance Agents of America,2 Internatl Credit Assn,12 Internatl Swaps & Derivatives Assn,20 Inverlat,12 J Jefferson Savings,1 Jones Day Reavis & Pogue,20 K Keefe Bruyette & Woods,4 KeyCorp,4 L Lipper,10 Lomas Mortgage,8 Lord Securities,4 M Marine Midland,5 MasterCard,12 MCI Communications,14 Merrill Lynch,5 Microsoft,14 Mid-Atlantic Investors,1 Montgomery Securities,8 Moody's,20 N National City,5 National Westminster,8 National Westminster,14 NationsBank,4 NatWest,20 NY State Bankers Assn,5 Northern Trust,3 O Onbancorp (NY),20 P Pacific Bell,14 Participants Trust,5 R Residential Funding,9 Rockbranch Community (WV),7 S Salomon,20 Sandler O'Neill,20 Schippers Gilbert & Bailey,6 Shawmut,10 SIFE Trust,20 Skadden Arps Slate Meagher & Flom,3 SNL Securities,1 Society,4 Southwestern Bell,14 Sprint,14 State Bank of Long Island,5 Sunrise,1 T Tandon,4 Thacher Proffitt & Wood,5 Trans Union,12 Transamerica Homefirst,9 U UBS Securities,20 Union Federal Savings,8 W Wechler Partners,10 Wells Fargo,10,20 Z Zions (UT),20 ===

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