ALTHOUGH SEATTLE-FIRST BANK does not claim to know what the branch of the future is going to look like, management thinks it has a developed a foundation of technology to react to consumers' ever-changing tastes.

The $16 billion-asset subsidiary of BankAmerica Corp. has pursued an aggressive program to redesign and update its 280 branches to meet its current demands, while preparing for future customer desires. It has also put in place plans to reduce paper, improve customer service, and perfect teller training.

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