Though banks of all sizes have recently rushed to set up business-to-business Internet marketplaces, some banks are taking a pass, figuring that these services may turn out to be a fad, or something the bank does not need to offer.

"We are in a wait-and-see mode," said Jeffrey Cross, a senior vice president at $16 billion-asset Hibernia National Bank. "The landscape is uncertain, and a bank my size can't be everything to everyone." Mr. Cross added, "The people who predict that business-to-business will shoot up are the same people who said we would be a cashless society in 2000, and that ATMs would reduce traffic in branches."

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