Central Fidelity National Bank announced plans to introduce home banking by personal computer in the first quarter of 1997.

The service will include up-to-the-minute account information, funds transfers between accounts, and bill paying.

Lewis N. Miller Jr., the bank's chairman and chief executive officer, said the PC offering is in keeping with its "anywhere, anytime and anyplace access" strategy.

The program will be available through Internet Inc., owner and operator of the Most regional electronic banking network, which works closely in a home banking alliance with Online Resources and Communications Corp. of McLean, Va. Online said Central Fidelity is its 50th user.

"The Online-Most solution has both the broadest array of access devices available today and the flexible systems that allow us to respond rapidly to evolving consumer needs and changing market conditions," said John S. Nania, Central Fidelity's vice president and manager of retail delivery systems.

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