+++

A

Affinity Technology,20

Amazon Books,21

American Bankers Assn,2

American Brokerage Consultants,18

American Express,10,14

Anderson and Associates,13

B

Banc One,8

BancSecurity,4

Bank Administration Institute,20

Bank of America,21

Bank of Ireland,9

Barclays,18

Beneficial,16

Better Business Bureau,14

BOK,8

Boston Consulting,21

Brown Brothers, Harriman,1

C

Citizens Financial,9

Comerica,3

Commerce (Cherry Hill, NJ),3

CoreStates,1,13

Credit Suisse,18

Cushman & Wakefield,3

D

Donaldson, Lufkin & Jenrette,20

E

Electronic Payment Services,13

F

F&M Bancorp,4

Fair, Isaac,20

Fidelity Investments,18

First Data,20

First Manhattan Consulting,20,21

First Union,1,13

FirstPlus,16

Ford,16

Foreign and Colonial,18

G

Global Chipcard Alliance,10

I

Independent Bankers Assn of America,2

Institutional Investor,32

Integrion,20

International Business Machines,20

Intersec,18

Invesco,18

K

Keefe, Bruyette & Woods,1,30

L

Lipper Analytical Services,18

M

Marketing One,18

Martaus and Associates,13

Mercury Asset Management,18

Merrill Lynch,18

Microsoft,20

Mortgage Bankers Assn,2

MSFDC,20

N

Nat'l Advertising Review Board,14

NationsBank,8

Norwest,2,4

Nova Information Services,13

O

Ogilvy & Mather,14

Omega Performance,21

Online Resources,20

P

Phoenix Planning and Evaluation,10

Plastech Engineered Products,3

Princeton Telecom,20

R

Royal Bank of Scotland,9

Ryan, Beck,1

S

S2 Systems,20

Salomon Brothers,18

SBG Warburg Dillon Read,1

Sensar,20

Smart Card Industry Assn,10

T

Total System Services,13

Towner County State,2

V

Versatility,20

Visa,14 ===

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