FINANCIAL SERVICES MARKETING tells how Merrill Lynch centralized information from 25 computersystems to put it on desktops throughout the organization. Joe Hollander's team created the new Midas data warehousing system. Magazine supplement

WASHINGTON

Anti-big-bank views help explain the existence of deposit caps, which most economists and antitrust experts say do little to ensure competition. Page 3REGIONAL

Bay View Capital, a San Mateo, Calif., thrift, has been moving away from the OTS' limits on high-loan-to-value lending. Page 6

COMMUNITY

A feisty thrift investor from New Jerseyis pushing for the sale of 1st Bergen Bancorp, Wood-Ridge. Page 8

CARDS

First USA revived a credit card tradition of dubious repute: mailing unsolicited cards to consumers. Page 13

DIGITAL FRONTIERS

ONLINE BANKING: Canada's postal service and a Bank of Montreal subsidiary are developing a nationwide system of electronic mail, bills, and payments. Page 15

TECHNOLOGY

Dime Bancorp in New York says it is achieving early payback on an investment in its telephone banking channel. Page 18

MORTGAGES

Investors' uncertainty about accounting at specialty finance firms has stirred up controversy around lender Resource America Mortgage. Page 20

CORPORATE FINANCE

A DROP in syndicated loan prices in the secondary market could spur big price increases for new loans as 1998 winds down, bankers and analysts say. Page 21

MARKETS

The CEO and other top officers at TCF Financial took a bold step: They bought shares in their own company. Back page

WEEKLY REPORT: INTERNATIONAL

BankBoston announced that it is beefing up the capabilities and staff of its London-based Global Trade team. Page 10

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