About 770, or 7%, of U.S. banks offered on-line banking as of mid-1997, according to a survey conducted by the General Accounting Office.

The survey estimated that by yearend 4,900 banks, or 47%, will offer basic home banking capabilities such as balance inquiries and funds transfers via personal computer.

Of banks offering on-line access themselves, only one of 93 reported an unauthorized entry into its on-line system. About 20% said they saw attempts at unauthorized access, but that included users' entering of incorrect passwords.

The GAO surveyed 349 banks at the request of Rep. James A. Leach, chairman of the House Banking Committee. Further information on the report, reference No. B-275222, may be obtained at the Internet address www.gao.gov.

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