WASHINGTON

Data from a Greenlining Institute survey suggest that minority small- business owners may be at least partially responsible for the scarcity of bank credit in inner-city areas. Page 2

REGIONAL

Bank One's chief executive officer said again that the newly created megabank is not likely to make large acquisitions anytime soon. "I don't see us doing any major transactions in the next 18 months to two years," John B. McCoy says. Page 4

The number of supermarket bank branches has grown at a reduced rate this year, a survey by a unit of First Data found. Page 4

COMMUNITY Page 5

INVESTMENT PRODUCTS

INSURANCE: Peoples Heritage Group of Maine's insurance agency, Morse, Payson & Noyes, is making a niche for itself selling a package of property and casualty and fish mortality insurance to fish farmers nationwide. Page 6

Most insurers see banks as just one more sales outlet, but one South African underwriter wants to make banks its sole avenue to the U.S. market. Page 6

CARDS

Total System Services is going into the portfolio management business. Page 7

Cynthia Graham, who left the helm of Barnett Banks' credit card program in 1997, has resurfaced as manager of the data mining operation at Cleveland's National City. Page 7

MORTGAGES

Jumbo mortgage-backed securities that are issued in smaller classes are more vulnerable to losses, according to a report from Moody's. Page 8

DIGITAL FRONTIERS

ELECTRONIC COMMERCE: Several biometric identification vendors and other technology leaders are closing in on the kind of barrier-leveling technical standard that has eluded their counterparts in the smart card world. Page 9

TECHNOLOGY

Valicert gained an attractive outlet for its digital validation technology by signing a formal alliance agreement with the GTE Cybertrust unit of GTE Internetworking. Page 10

CORPORATE FINANCE

Chase Manhattan named Doug McMurrey to head a newly combined global syndicated lending, project finance, and advisory unit headquartered in Hong Kong. Page 19

MARKETS

Bank stocks jumped with broader markets as investors welcomed definitive weekend developments on a pair of major economic and political issues. Back page

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