Users are proving quirky, but some banks are having success with special program offerings. 2A

Incentive programs are spreading but success seems to lie in the underlying services. 6A

The BankAmerica-NationsBank merger is creating a gigantic array of teller machines. 9A

The company has built its strategy on the idea that an Internet distribution can be even more than a physical system. 13ADelivering the GoodsAdjusting to On-Line Customers' Habits

Editors Chris Costanzo Edward Kulkosky Jeffrey Kutler

Art Director Debbie Romaner

Designer Janet McDowell

Photo Editor Karen Barr

Cover Photos Top: The Stock Market; Jeff Zaruba Bottom Left: The Stock Market; Jon Feingersh Bottom Right: Bruce Zake

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