Pennsylvania's Keystone Financial Inc. said last week that it would not meet earnings estimates for this year, throwing further doubt on the long-term prospects of the $6.9 billion-asset company.

Harrisburg-based Keystone said it expects to earn $1.90 per share in 1999, down two cents from 1998 and 13 cents off what analysts had estimated for this year, according to First Call/Thomson Financial.

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