FIRST HAWAIIAN BANK's Web Site is mostly about fun and may be attractive to people suffering from mainland winters. A dude on the home page hints at the Web/ocean surfing pun; cartoonish pictures of the bank's spokesman, Pat Morita, dot other pages. Contests pop up; the profiles of entrants go into a data base for direct-mail marketing. The bank views the site, first posted in June 1995, as "a lead-generation tool."

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