Thomas K. Brown of Donaldson, Lufkin, & Jenrette on Monday annointed Capital One Financial Corp., Signet Banking Corp.'s credit card spinoff, his pick of the year of '95.

The banking analyst -- one of the first to take note of the rapid growth in Signet's card business two years ago -- sees Capital One as a case of the market's inability to differentiate within the credit card group.

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