+++

A

ABN Amro,28

Adirondack Trust,1

Americas Community Bankers,1

American Bankers Assn,1,4

American Intl Group,1

Amresco,12

Arnold & Porter,4

Associates First Capital,6

Astoria Financial,26

B

Banco Bilbao Vizcaya,12

Bank Analysis Center,1

Bank and Financial Analysts Assn,10

Bank of Montreal,16,26

Bank of New York,26

BankAmerica,26

BankAtlantic,5

BankBoston,28

Bankers Roundtable,26

Bankers Trust,1,12,18

Beebe Fund,5

Bisys,16

C

Canandaigua Natl,1

Cape Cod Bank and Trust,1

Chase,1,4,16

Citicorp,28

Comerica,10,28

CompassBank,1

Cooper Carvin & Rosenthal,4

Countrywide,4

Countrywide Credit Industries,6

D

Dain Rauscher,8

Donaldson Lufkin & Jenrette,1

E

Electronic Funds Transfer Assn,16

F

Fair Housing Council of Greater Washington,4

Fannie Mae,7

Financial Services Associates,10

First Union,18

Firstar,28

Firstfed America,1

Fujitsu ICL Systems,16

G

GBM Banco del Atlantico,12

Gemplus,15

General Electric,16

Goodwin Procter & Hoar,16

H

Hibernia,28

I

Independence Community,26

Independent Bank (MA),1

Intl Data,18

J

Jerome Svigals,15

Josephthal,1,28

K

Keefe Bruyette & Woods,1

KeyCorp,8

L

Long Island Savings,26

M

Maryland Federal,4

MasterCard,16

McDonald & Co,8

Mellon,10

Mercer Management Consulting,8

Merrill Lynch,1,10,16

Morgan Stanley Dean Witter Discover,1

Morgan Witter,11

N

Natl Commerce Bancorp,11

NationsBank,28

New York Bankers Assn,1

New York State Bankers Assn,1

North Fork,26,28

Norwest,4

P

Pathways Group,15

Q

Quantitative Risk Management Group,26

R

Raymond James & Associates,5

Richmond County Financial,26

Roslyn,26

S

Sandler O'Neil,26

Sandwich (MA) Bancorp,1

Sandy Spring Mortgage,4

Schaffer Investment Research,28

Securities Industry Assn,2

Shell,16

SMR Research,7

Southeast Research Partners,26

Staten Island Bancorp,26

Sun America,26

Sun Life of Canada,26

T

Tower Group,18

Travelers Group,1

V

Visa,16

W

Wayfarer,18

Wells Fargo,16

Wendover Financial Service Corp,7 ===

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