WASHINGTON

Last-minute concessions by House Republicans sparked a surge of support for the bankruptcy reform bill, propelling it to a veto-proof victory. Page 3

NATIONAL/GLOBAL

Firstar's deal to buy Mercantile is likely to spur the sale or relocation of more than $900 million of the merged company's Iowa deposits. Page 4

COMMUNITY/REGIONAL

The phone has been ringing off the hook at Greater Bay in Palo Alto, Calif., since the Financial Standards Accounting Board voted to eliminate pooling-of-interest mergers. Page 7

Year-2000 concerns have landed a pair of California community banks in regulatory hot water, faced with orders from the FDIC. Page 8

INVESTMENT PRODUCTS

Bank of America will officially merge the mutual fund groups of the old BankAmerica and NationsBank this month. Page 13

TECHNOLOGY

First Union's overhaul of its consumer bank to serve its customers' "needs and dreams for a lifetime" is beginning to pay off, says executive vice president Jack M. Antonini. The results are showing up in increased sales and in multiproduct relationships, he says. Page 17

MORTGAGES

Virtual home tours helped one woman sell her home in Dallas and buy another in California. Now she's sold on the on-line technology, which can save time, money, and stress. Page 12

A small Massachusetts bank that already out-hustles some big-name competitors is going after market share with a new high-loan-to-value mortgage. Page 12

CARDS

The president of Gemplus Group's Asia-Pacific region, Remy de Tonnac, has been named president of Gemplus Americas in Redwood City, Calif. Page 14

DIGITAL FRONTIERS

Microsoft said it has signed up more than 300 financial institutions worldwide for on-line services based on its BackOffice technology. Page 16

MARKETS

Fannie Mae aims to double its earnings per share over the next five years, chairman and CEO Franklin D. Raines declared. Page 26

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