FINANCE: NORTHERN TRUST Corp.'s modest fourth-quarter slowdown has driven home the point to investors that trust institutions aren't immune to volatility. Trust revenues fell, and costs rose, as the company's profit fell 8.33% from the third quarter. Back page WORLDWIDE USE of interest rate swaps, currency swaps, and related derivatives surged nearly 45% in the first half of 1994 despite the rate increases that began last February. Back page REGIONAL BANKING: THE MONEY STORE is bidding to become a major player in the lucrative sub- prime auto lending business. And analysts say its national branch network and advertising program give it a good chance of success. Page 4 FIRST TENNESSEE National Corp. has reorganized its finance division into two units, and Susan Bies has relinquished her job as chief financial officer to mergers and acquisitions chief Eb Thomas. Page 4 COMMUNITY BANKING: THE RECOVERY has finally caught up with two northeastern thrifts - Greater New York Savings Bank and Farmers and Mechanics Bank - which reported they had reversed their year-earlier losses in 1994, largely due to stronger core earnings. Page 6 COMPLIANCE: THE GOVERNMENT is doing a booming business with a lending analysis product, CRA Geographics, which the Federal Home Loan Bank of Atlanta has sold to about 250 financial institutions in the past three years. Page 8 BANKERS WORRY that a rule proposed recently by the National Association of Securities Dealers would strangle services offered by their brokerage affiliates. Page 9 MORTGAGES: DESPITE SUGGESTIONS that the consolidation of mortgage banking would hibernate for the winter, the market has remained warm as many sellers have found their desired buyers. Page 12 ITT CONSUMER Financial Corp. has opened an office in Virginia to work with the area's mortgage brokers on loans to households with less-than-perfect credit records. Page 13 INVESTMENT PRODUCTS: INSURERS RUSHING to sell variable annuities through banks should look before they leap, warns Eli Broad, chairman of SunAmerica Inc. Page 14 KEYCORP IS COUNTING on strong growth in sales of financial services to the affluent, executive vice president Daniel E. Klimas says. Page 15 TECHNOLOGY: THREE HIGH-RANKING technology executives at Shawmut National Corp.'s Boston and Hartford headquarters have unexpectedly resigned in the last two months. A spokesman said the resignations are unrelated and not part of any purge or general exodus. Page 18 INDIVIDUAL INC. has unveiled a service that allows financial professionals to keep tabs on breaking business news stories. Page 18 WASHINGTON: DOUGLAS E. HARRIS, senior deputy comptroller for capital markets in the Office of the Comptroller of the Currency, says in an advisory letter that some banks need to use more sophisticated measurements for interest rate risk. Page 2 INDIVIDUAL RETIREMENT accounts' expansion is one of the banking industry's top priorities, but two key senators said it makes more sense to focus on 401(k) plans. Page 3

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