The North Carolina Bankers Association is refunding its members' dues this year, though its roster no longer in- cludes the five largest banking companies.

In a typical year, only 25% of the association's operating budget comes from dues, a member said at the group's 1997 Management Team Conference here this week. And this year a windfall from the sale of an office building in Raleigh replaced much of the lost dues income. The association was in the black even without the building sale, officials said.

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