THE TREASURY Department unveiled a savings bond Web site, saying Internet distribution could boost dwindling sales of the securities. Page 2

A WISCONSIN banking company has agreements to sell eight out-of-state branches, but an analyst says he would prefer to see the entire company on the auction block. Page 7

REGULATORS WORRY that agricultural banks have yet to see the full extent of the current turmoil in a weak farm economy. Page 7

THREE AFRICAN-AMERICAN-owned banks are getting into the brokerage business through a joint venture with a New Orleans brokerage firm. Page 11

PRINCIPAL FINANCIAL's entry into the Brazilian pension market is the second step in a global expansion plan, which could take it to Japan and Britain next, a top executive says. Page 11

BANKS FACE enormous pressure from nonbank financial companies in the small- business banking arena, Michael Butler, a vice chairman at KeyCorp, said at an industry conference in Texas. Careful segmentation is needed to bring in these customers, he added. Page 6

SPYRUS has a new weapon for the corporate security fray. The digital security specialist announced Portico, a smart card and reader designed to give a high level of authentication. Page 12

THE CONSORTIUM that coordinates the Multos specifications for smart card operating systems is declaring a big victory in Australia. Page 12

CYBERSOURCE has released the latest version of its fraud detection software with improvements contributed by Visa U.S.A. Page 13

CHECKFREE has changed the way it charges its biggest customers for electronic bill presentment and payment services. Page 14

FIRST UNION is shifting its attention to human aspects of its year-2000 preparations, with customer education and employee awareness campaigns. Page 15

DEMOGRAPHIC TRENDS are threatening to turn against the mortgage industry, meaning banks and thrifts will have to work harder in coming years, Fed Chairman Alan Greenspan said. Back page

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