BARBARA COLVIN, head of First Union's Evergreen Funds, discussed plans for those the North Carolina bank would acquire with the acquisition of First Fidelity in New Jersey. Most portfolios would be absorbed into Evergreen funds, but "some of the stand-alone funds ... will be great, given the new markets we will be in," she said. Page 8 WHAT DO small businesses want? Consultant Amy J. Errett talks about what it will take to succeed in what's expected to be the fastest- growing part of the 401(k) business. Page 9 WASHINGTON: FED CHAIRMAN Alan Greenspan acknowledged that problems at Daiwa Bank's U.S. branch might have been uncovered earlier if examiners had been more diligent. Page 2 AFTER YEARS of layoffs, the Office of Thrift Supervision is down to what its managers think is about the right staff size. The problem is, people keep leaving. Page 2 REGIONAL BANKING: FIRST INTERSTATE officials have argued persistently that First Bank System is by far its most attractive suitor. But SEC filings show it had been more open than previously acknowledged to a deal with Wells Fargo or some other bank. Page 6 DO SMALL-BUSINESS accounts belong at the branch or the commercial lending level? Turf battles and rigid size-based rules may give the wrong answer, weakening potential profits, two consultants say. Page 6 COMMUNITY BANKING: NEW RULES on septic systems and cesspools are slowing down the flow of Massachusetts mortgage business. Page 10 FEDERAL REGULATORS have lifted a cease-and-desist order against a New York-area thrift even though a fifth of its assets are nonperforming. Page 10 MORTGAGES: TECHNOLOGY will decide who makes the cut in the home loan business, says a First American Title Insurance executive. Page 15 HOME SAVINGS of America is rolling out a wholesale lending division. In the last three months, the nation's largest thrift has purchased $35 million to $40 million of loans in California. Page 15 CREDIT/DEBIT/ATMs: MARINE MIDLAND Bank in Buffalo has started a loyalty program to reward, and it hopes retain, the most profitable of its card customers. Page 16 30% OF CONSUMERS making $15,000 a year or more have heard of smart cards, up from 24% in 1993. That's "pretty high for a system not available to the public," the head of a research firm says. Page 16 TECHNOLOGY: COMMERCIAL BANK customers see lots of room for improvement in global electronic banking, a survey found. Page 17 IN THE WAR of words over the fate of First Interstate, some of the fiercest battles are taking place in the data processing and operations areas. Page 18 FINANCE: BY YEAREND banks could be marking 70% of their securities portfolios "available for sale," under two recent FASB edicts. Back page BANKERS TRUST rallied with the market on Monday, but some analysts warned that the gain is only a brief pause in a long slide that has dragged the stock down 16% in two months. Back page

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