+++ Calendar-year 1998 transactions consolidated by holding company, including pending mergers

part 1 of 2

Rank Company

1 Chase Manhattan Corp., New York

2 Wells Fargo & Co., San Francisco

3 Bank One Corp, Columbus Ohio

4 BankAmerica Corp., San Francisco

5 First Union Corp., Charlotte, N.C.

6 Northern Trust Corp., Chicago

7 Wachovia Corp., Winston-Salem, N.C

8 Fleet Financial Group, Boston

9 Citigroup, New York

10 PNC Bank Corp., Pittsburgh

11 Mellon Bank Corp., Pittsburgh

12 U.S. Bancorp, Minneapolis

13 SunTrust Banks Inc., Atlanta

14 KeyCorp, Cleveland

15 BankBoston Corp.

16 National City Corp., Cleveland

17 Harris Bankcorp, Chicago

18 First American Corp., Nashville

19 State Street Corp., Boston

20 First National of Nebraska Inc., Omaha

21 UMB Financial Corp., Kansas City, Mo.

22 EFS National Bank, Memphis

23 Firstar Corp., Milwaukee

24 ABN Amro North America, Chicago

25 Amsouth Bancorp., Birmingham, Ala.

26 First Maryland Bancorp, Baltimore

27 First Tennessee National Corp., Memphis

28 Bank of New York Co.

29 Michigan National Corp. Farmington Hills

30 Huntington Bancshares, Columbus, Ohio

31 Comerica Inc., Detroit

32 Regions Financial Corp., Birmingham, Ala.

33 Marshall & Ilsley Corp., Milwaukee

34 Fifth Third Bancorp, Cincinnati

35 USAA Federal Savings Bank, San Antonio

36 Unionbancal Corp., San Francisco

37 First Security Corp., Salt Lake City

38 Summit Bancorp, Princeton, N.J.

39 Compass Bancshares, Birmingham, Ala.

40 Pacific Century Financial Corp., Honolulu

41 Mercantile Bancorp., St. Louis

42 Bankers Trust Corp., New York

43 BOK Financial Corp., Tulsa

44 American Security Bancshares, Ville Platte, La.

45 First Premier Bank, Sioux Falls, S.D.

46 Commerce Bancshares, Kansas City, Mo.

47 Cullen Frost Bankers Inc., San Antonio

48 Universal Savings Bank, Milwaukee

49 SouthTrust Corp, Birmingham, Ala.

50 HSBC Holdings USA (Marine Midland Banks Buffalo)

part 2 of 2

Annual

Rank Debits Credits Total Change*

1 Chas310,533,493 172,582,489483,115,982 12%

2 Well139,632,612 223,878,084363,510,696 51

3 Bank207,700,499 113,832,065321,532,564 59

4 Bank102,318,991 196,555,852298,874,843 96

5 Firs 78,563,356 177,097,820255,661,176 27

6 Nort 58,381,091 82,280,049 140,661,140 19

7 Wach 50,662,175 61,960,142 112,622,317 11

8 Flee 64,587,111 21,529,521 86,116,632 8

9 Citi 36,165,071 40,643,703 76,808,774 9

10 PNC 20,756,335 53,078,193 73,834,528 24

11 Mell 20,000,012 47,750,747 67,750,759 20

12 U.S. NA NA 62,469,233 -5

13 SunT 19,689,800 38,253,000 57,942,000 50

14 KeyC 25,047,313 31,958,919 57,006,232 17

15 Bank 15,728,539 39,564,544 55,293,083 61

16 Nati 9,625,101 27,416,832 37,041,933 -10

17 Harr 16,551,078 16,400,341 32,951,419 4

18 Firs 26,008,452 5,953,824 31,962,276 10

19 Stat 13,604,429 13,744,027 27,348,456 35

20 Firs 15,560,249 10,726,581 26,286,830 -11

21 UMB 15,737,911 10,384,618 26,122,529 6

22 EFS 1,796,461 23,222,444 25,018,905 43

23 Firs 11,259,277 13,702,061 24,961,338 13

24 ABN 11,306,145 11,905,686 23,211,831 24

25 Amso 12,565,227 9,381,997 21,947,224 19

26 Firs 7,662,000 11,741,000 19,403,000 13

27 Firs 3,249,234 15,827,766 19,077,000 32

28 Bank 3,986,163 13,266,669 17,234,832 21

29 Mich 6,152,454 10,092,202 16,244,656 9

30 Hunt 57,456,751 9,697,128 15,442,803 31

31 Come 3,600,106 11,842,139 15,442,245 10

32 Regi 3,350,914 10,941,236 14,292,150 10

33 Mars 8,291,810 5,723,281 14,015,091 12

34 Fift 3,828,826 10,000,472 13,829,298 26

35 USAA 10,332,700 2,410,613 12,743,313 68

36 Unio 3,406,083 8,966,353 12,372,436 10

37 Firs 5,087,100 6,785,794 11,872,894 15

38 Summ 2,277,209 7,705,804 9,983,013 11

39 Comp 7,642,839 2,183,728 9,826,567 3

40 Paci 5,724,521 3,503,948 9,228,469 9

41 Merc 4,556,652 4,607,941 9,174,593 27

42 Bank 584,052 8,321,780 8,905,832 36

43 BOK 6,012,259 2,448,515 8,460,774 107

44 Amer 731,563 7,341,116 8,072,679 38

45 Firs 1,152,956 6,910,241 8,063,197 35

46 Comm 5,248,470 2,743,810 7,992,280 23

47 Cull 2,710,631 4,733,116 7,443,747 21

48 Univ 1,353,979 5,070,915 6,424,894 -

49 Sout 2,165,798 4,192,665 6,358,463 12

50 HSBC 1,158,944 4,680,806 5,839,800 12 ===

*In cases of mergers, such as SunTrust with Crestar, growth rates are for the acquiring company and not otherwise adjusted.

SOURCE NOTE: Data gathered from both regional automated clearing house associations and the originating financial institutions.

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