Most bank stocks were trading fractionally lower, amid an overall decline in the market.

Late in the day, the Dow Jones Industrial Average was off more than 15 points, at 3583.35.

Banc One Corp. was one of the few bank stocks bucking the trend. Late in the day, the stock was up $1, at $42.875.

Bank of New York Corp. was off $1.375, at $55.25. NationsBank Corp. was trading at $52.25, off 75 cents, toward the close of trading.

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