WILLIAM E.B. SIART, chairman of First Interstate Bancorp, has laid out ambitious goals that would make it one of the hottest performers among big U.S. banks.

Page 7

MARKETING needs to be a driving force if banks are to meet the challenges of the 21st century, says former banker Walter R. Miller, now a college professor. Page 7


IN A VICTORY for banks, the House Banking Committee voted to limit the Federal Deposit Insurance Corp.'s authority to build reserves beyond the 1.25% ratio set by law. Page 2

A SERIES of articles details legislation meant to rescue the thrift industry and how lawmakers plan to get it passed. Page 4


TOTAL SYSTEM Services has teamed up with a Fair, Isaac & Co. subsidiary to offer data base marketing capabilities to its credit card processing clients. Page 8

AMERICAN EXPRESS has named Peggy H. Haney, a veteran of its now dismantled office of public responsibility, to its top consumer affairs position. Page 8


BANK OF COMMERCE, San Diego, is wrapping up a $5.38 million preferred stock offering that officials at the expansionist bank hope will boost SBA lending. Page 11

THOUGH PLEASED with overall bank performance in his state, Missouri Finance Commissioner Earl Manning said he is monitoring the situation as liquidity tightens and lending standards ease. Page 11


ONLINE RESOURCES and Communications and a division of Donaldson, Lufkin & Jenrette have begun offering on-line investment services through screen- based telephones. Page 13


BANKS WILL HAVE to remain vigilant if they want to step up mortgage lending to credit-impaired borrowers, industry experts warn. Page 14

NORTH AMERICAN Mortgage named Dorothy Beattie to the newly created post of senior vice president for production asset management. Page 14


SPECULATION about a possible merger of Wachovia and SunTrust has died down since a rumored deal failed to materialize over the weekend. Back page


THOUGH BANK SALES of annuities continue to rise, a new study suggests that per-branch volume is actually stagnant or declining. Page 16

A NEW YORK appeals judge ruled that U.S. Trust and the former butler of tobacco heiress Doris Duke are still co-executors of her estate. Page 17

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