A - B BankAmerica,24 Bankers Trust,24 Brown Brothers Harriman,24 C - D CoreStates,1 Countrywide,1 Cross Keys (LA),11 E Eastern Bank Corp.,10 F Federal BankCentre,10 Financial Institutions Consulting,22 Fincl Standards Accntg Bd,24 First American Title Insurance,15 First Bank System,6,18 First Interstate,6,18 First State Bank of Texas,24 First Union Corp.,8 Flagship Bank (MA),10 G Global Concepts,16 H - L H.F. Ahmanson,15 HealthCare Bancorp,10 Household International,24 HSBC Holdings,16 HSH Associates,1 M Marine Midland,16 Maritz Inc.,16 Massachusetts Bankers Assn,10 MasterCard,1 Morgan Stanley,17 Mortgage Bankers Assn,1 N - Q NationsBank,24 NBT Bancorp (NY),11 R River Bank America,10 S - U Sandler O'Neill & Partners,24 Smart Card Forum,16 Synergistics Research,16 V Visa,1 W - Z Wachovia,1 Washington Mutual Savings,4 Wells Fargo,6,18 Woronoco Savings (MA),10 ===

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