WASHINGTON

A Republican member of the House Banking Committee is preparing to introduce legislation that would block the proposed know-your-customer rule and repeal the Bank Secrecy Act. Page 2

Fed Chairman Alan Greenspan endorsed saving most of the federal budget surplus for Social Security instead of using it for tax cuts or new spending. Page 3

REGIONAL

St. Paul Bancorp of Chicago said it would have some unexpected first- quarter expenses and would continue to be hurt this year by a rash of mortgage prepayments. Page 4

Months after completing major mergers, Bank One and Firstar are still charging customers of acquired banks extra fees at ATMs. Page 5

COMMUNITY

Lingering financial turmoil overseas could spark more sales of California's Asian-controlled banks, local consultants say. Page 6

CARDS

Nearly everything about Visa International and its workings was new to Malcolm Williamson when he took the top job there. But he finds some truisms about technology still apply. "It has been no different in any organization I have worked for, and I have worked for several," he says. Page 14

INVESTMENT PRODUCTS

FIDELITY's National Financial Services is poised to handle all the clearing responsibilities for the newly expanded BankAmerica. Page 8

A federal regulator is warning trust officers of more suits stemming from the conversion of common trust funds to mutual funds. Page 9

MORTGAGES

Mortgage Guaranty Insurance of Milwaukee rolled out two low-cost products to insure loans with very low down payments. Page 10

TECHNOLOGY

At the RSA Data Security annual conference, there was an endless loop of intrigue, with conspiracy theories, a Martin Luther King Jr. tribute, and the latest news on encryption. Page 12

The data security industry has produced enough companies with competing "complete solutions" to make bankers' and other prospective customers' heads spin. Page 13

CORPORATE FINANCE

J.P. Morgan's M&A team won big acting as advisers on Volvo's $6.5 billion deal with Ford and TRW's $7 billion deal with LucasVarity. Page 25

MARKETS

BankAmerica's shares surged 4% after its chairman predicted 25% net income growth this year and further expansion without mergers. Back page

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