FIRST UNION Corp. found an attractively priced way to expand in Florida with its $188 million agreement to buy Society First Federal Savings Bank of Fort Myers, analysts said. Page 4 ABN AMRO North America Inc. said it has formed the largest thrift in Illinois by merging two of its other LaSalle institutions into LaSalle Bank FSB, its $10.3 billion-asset subsidiary. Page 4 WASHINGTON: JOHN P. RELMAN, a leading public advocate of fair lending, is trying to make settlements in loan bias suits high enough to attract private-sector litigators. Page 3 HANDING retail lenders another victory, the Colorado Supreme Court ruled Monday that the state cannot prevent out-of-state credit card companies from charging fees to its residents. Page 2 INVESTMENT PRODUCTS: BANK SALES of fixed annuities plummeted to one-fourth of their year-earlier level in the third quarter as customers continued their flight to certificates of deposit and mutual funds. Page 7 COMMUNITY BANKING: POISED to take advantage of a strong economy and an infusion of high-tech money, Oregon's community banks could be on the verge of an unprecedented period of growth, observers say. Page 8 FEAR OF THE UNKNOWN and a rapidly changing marketplace are driving community bank directors back to classrooms and seminars in record numbers. The demand for bank directors' training is spawning a cottage industry of consultants, according to the American Association of Bank Directors. Page 9 CREDIT/DEBIT/ATMs:

HOUSEHOLD International, which rose to credit card prominence through alliances with General Motors and other cobranding partners, has brought US West into its fold. Page 10

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