Once upon a time, upgrading computer systems in preparation for the new millennium was just a technology problem. But now, as the programmers put the finishing touches on computer changes, a chorus of regulators and consultants is urging all banks to think of Year-2000 as a marketing issue as well.

"It's not enough to fix your data systems if your customers don't know about it," said Comptroller of the Currency John D. Hawke Jr. at a recent conference in Washington. "They're hungry for reassurance."

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