ONE-STOP financial services shops, the economy, and stock picks were among the topics at American Banker's quarterly Analyst Roundtable. Page 12

WASHINGTON

RESEARCHERS are fascinated with the merger wave, and have plenty of data to work with. The FDIC counts nearly 3,000 deals since January 1994. Page 2

NATIONAL/GLOBAL

NORTHERN TRUST is refocusing its approach to California's coveted and fast-growing high-net-worth market. Page 3

COMMUNITY/REGIONAL

A PENNSYVANIA firm has created a line of ready-made newspaper ads for community banks. Page 5

THE OFFICE of Thrift Supervision is hitting the road to urge mutual savings banks to "think twice" before converting to stock institutions. Page 5

VIEWPOINTS Page 6

INVESTMENT PRODUCTS

THE PERFORMANCE of Franklin Templeton's mutual funds has bounced back from a dismal 1998, and the cash outflow from them has slowed. Page 8

MORTGAGES

THE CHIEF financial officer of Resource Bancshares Mortgage says he is astonished by the recent selloff in his company's stock. Page 9

FREDDIE MAC said that 57% of those refinancing the first half of this year took a loan for more than their mortgage balance. Page 9

ON-LINE BANKING

THREE BANKS outside the United States are bolstering the security of their on-line access programs with digital certificates. Page 11

CARDS

EXPERTS CAUTIONED that international electronic commerce -- while exciting and potentially lucrative -- poses new types of challenges. Page 14

MARKETS

BANK ONE's announcement Tuesday, which led to a $15.6 billion decline in market capitalization, caused some speculation that it may be subject to a takeover move at some point. Page 22

BANK STOCKS dropped for a second straight day, dragged down by continued fallout from the Bank One earnings revision. Back page

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