Risks are part of everyday banking life, but something about this new year and the approach of 2000 is pushing anxiety over the top.

The changing world economy, new and evolving forms of competition, legal and legislative uncertainty, the fundamental reassertions of the credit cycle, last summer's stock-market bump, the computer problems that have turned Y2K into an ominous buzzword-any and all of these have financial institution executives in states approaching high anxiety.

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