The House-Senate conference committee writing the final version of financial reform met late Thursday, but had not taken any significant votes by deadline. For an update on the bill please see our Web edition at WASHINGTON

THE NATION'S TOP thrift regulator warned savings institution directors to be on the lookout for signs of trouble, and offered two books to help. Page 2

THE EXAMINER heading the OCC's Project Canary is up before the birds most mornings. Page 2 NATIONAL/GOOBAL

KEYCORP REPORTED a 7% gain in net income for the third quarter, but earnings per share missed consensus estimates by a penny. Page 4

BANK OF AMERICA announced the reshuffling of several state and regional banking executives. Page 4 VIEWPOINTS COMMUNITY/REGIONAL

A DISPUTE over the independence of an Omaha thrift has the company and an investor group suing each other. Franklin Mutual Investors is promoting board candidates who favor selling Commercial Federal. "It makes no sense to consider a sale," says William Fitzgerald, CEO of the thrift. Page 5

A PENNSYLVANIA community bank has a new deal with its union that it says will cut expenses in half and allow it to grow. Page 5 MORTGAGES

THE POPULARITY of adjustable-rate mortgages boosted Washington Mutual's earnings and helped Golden West beat analysts' expectations. Page 8

DRESDNER has appointed a new board to oversee its worldwide asset management operations in a reorganization to streamline its global operations. Page 9

BANK OF NEW YORK has taken in-house an investment products sales program that it had been operating through an outside company. Page 9 ON-LINE BANKING

FIRST INTERNET BANK of Indiana, only eight months old, is proud of its 3% attrition rate -- much lower than the average Web bank's. Page 11

THE FINANCIAL SERVICES Technology Consortium is turning one of its crown jewels over to a bigger organization. CommerceNet will take over its E-check project. Page 12

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