+++

A

Advest Group,24

American Bankers Association,3,4,8

Atlantic Bank (ME),2

B

Bank of Boston,,1

Barnett,8

BayBanks,1

Brown Brothers,1,22

C

Cardinal Bancshares,8

Carmody & Bloom,11

Comerica,24

Countrywide Credit Industries,1

D

David Olson Research,1

Deutsche Bank,1

Digicash,1

Dime,14

Donaldson, Lufkin & Jenrette,14

E

Electronic Privacy Information Center,1

Ernst & Young,8

F

Federal Home Loan Mortgage Corp.,1

Forrester Research,1

H

Huntington Bancshares,8

I

IMC Mortgage,14

Imperial Credit Industries,14

ING Barings,22

Inland Empire Lenders Comm. Development,4

Innovative Mortgage Solutions,1

International Banking Technologies,4

ISD/Shaw Inc.,2

J

J.P. Morgan,1

Jupiter Communications,11

K

Keefe, Bruyette & Woods,1

M

Mark Twain Bancshares,1

Massachusetts Bankers Assn,4

McDonald & Company Securities,7

Merita Bank,1

Merrill Lynch,1

Money Store,14

Morgan Stanley,22

Morrison & Foerster,1

Mortgage Bankers Association,1

Muzak,11

Muzinich & Co.,18

N

National City Corp.,1

NationsBank,1

Norwest Corp.,1

O

Old Kent Financial,11

P

PaineWebber,1,14

Pelham Bank and Trust Co.,18

PNC Bank Corp.,10

Postgirot,1

Poughkeepsie Savings,1

Public Securities Association,14

R

Raymond, James & Associates,24

Republic New York Corp.,1

Residential Funding,1

S

Sanwa,11

Standard & Poor's,1

W

Wachovia Corp.,8

Ward Howell International,22

Winston & Strawn,2 ===

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