WASHINGTON
The NCUA denied requests from three credit unions to serve a four- county, 850,000-resident area in upstate New York. Page 2
COMMUNITY/REGIONAL
The owners of Florida's Oceanmark Bank are suing federal regulators for shutting down the thrift this month. Page 3
Farm industry trade groups are lobbying Congress for billions of dollars in short-term aid for farmers hard hit by low prices. Page 3
NATIONAL/GLOBAL
Large banks - including Regions of Alabama and Mercantile of St. Louis - reported healthy quarterly gains, as the economy helped boost loan growth, mortgage banking, and fee revenues. Page 4
DIGITAL FRONTIERS
On-line banking could be in store for faster growth than electronic shopping over the next several months, a survey from the research house Odyssey suggests. That would be a first. But the banking numbers are still well shy of measures of PC ownership, Internet use, and other on-line activity. Page 9
INVESTMENT PRODUCTS
The former head of Massachusetts Financial Services' bank sales unit has a new mission-helping make the company one of the biggest institutional asset managers within five years. Page 6
MORTGAGES
A bankruptcy case in Pennsylvania illustrates the risks for mortgage servicers that can't keep a lid on costs or replenish their portfolios. Page 7
America's Community Bankers issued a policy statement complaining of encroachment on lenders' turf by Fannie Mae and Freddie Mac. Page 7
TECHNOLOGY
Marshall & Ilsley has launched a business unit, called Origins, to support the operations of nontraditional financial institutions. Page 10
IVI Checkmate has agreed to buy the shares it doesn't already own of a money-losing software company. Page 10
MARKETS
Northern Trust, which rarely raises capital in the bond market, is expected to issue $200 million in subordinated debt today. Back page
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