A ABN Amro, 5 Accomando Consulting, 10 Advanta, 10 Advest Group, 6 Affiliated Community, 6 Alex. Brown, 1 American Bankers Assn, 2 American Express, 11 Aquila Funds, 7 Arrow Financial, 6 AT&T Family Federal Credit Union, 2 B Banca di Roma, 2 Bank Analysis Center, 6 Bank of Boston, 6,13 Barclays, 12 Baybanks, 13 C Capstead Mortgage, 10 Central Fidelity, 1 Chase Capital Partners, 10 Chase Manhattan, 17 Citicorp, 17 Continental Cablevision, 13 Countrywide Credit Industries, 8 Credit Union National Assn, 2 Crestar Financial, 1 D Danielian Consulting, 10 Devonrue, 17 Donnelley Marketing, 1 DS Bancor, 6 E Electronic Payment Services, 11 Emerald Advisors, 7 Equifax, 1 F Financial Institutions Consulting, 7 First Call, 1 First Chicago NBD, 5 First Data, 1 First National of Ohio, 5 First Union, 5 First USA, 10 FirstMerit, 5 Fleet, 5,6 G General Electric, 3 Goldman Sachs, 7 Goldner, Hawn Johnson & Morrison, 10 I ING Barings, 17 Intuit, 13 Invesco, 17 J J.P. Morgan, 1,4,17 K Kamakura, 18 Keefe, Bruyette & Woods, 1 Knutson Mortgage, 10 L LaSalle National, 5 Lehman Brothers, 7 Lexis-Nexis, 1 Local Market Monitor, 8 Louis Harris & Associates, 1 M MasterCard, 3 Mayflower Co-Operative, 6 McDonald & Company Securities, 1 MCI, 17 Merrill Lynch, 17 Microsoft, 13 Moody's, 17 Morningstar Inc., 7 N Nacogdoches Commercial, 2 National Association of Realtors, 8 National Credit Union Administration, 2 NationsBank, 5 Nextwave Telecomm, 17 O Old Kent, 8 P PaineWebber, 1,8 People's, 6 PHH US Mortgage, 18 Phoenix Planning and Evaluation, 11 PNC, 1 Provident, 1 S S.J. Baxter, 10 Securities Data, 17 Security National, 2 Shaw, Pittman, Potts & Trowbridge, 2 Smith Barney, 8,17 Sovereign Bancorp, 7 Star Banc, 1 T TRW, 8 U Unibanco, 2 V Visa, 11 W Wachovia, 5 Warner Brothers, 13 Webster Financial, 6 William, Cutler & Pickering, 2 ===

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