JACKSONVILLE, Fla. -- Donna and Mark Christensen initially resisted when a Barnett Banks Inc, branch manager sought to lure them away from a competing bank.

The owners of Flow-Technology, a distributor of high-end plumbing fixtures with $3 million in annual sales, were relatively satisfied with First Union Corp. But Barnett manager Jacqueline Franco made repeated visits to tout the advantages of Barnett's new small business lending program.

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