CONNECTICUT'S Banking Department won its legal challenge to the OCC's "30-mile rule." Page 2

AGENCY LOBBYISTS: The Fed's congressional liaison, Donald J. Winn, carries enormous clout, yet he shuns the spotlight. A four-part series on Washington influence brokers begins today. Page 2


HARRIS SAVINGS officials say they didn't know that when they bought a competitor, they were also buying into a relationship that would cost them millions. Page 6

ABUSES in credit card ads could lead to new consumer protection legislation as unpleasant as what already governs other aspects of banking, Paul S. Nadler writes. Page 6


SOUTHERN NATIONAL'S purchase of a small thrift in Richmond is the company's first step toward building a $1 billion-asset bank in Virginia's capital, says chairman and CEO John A. Allison. "We've got a good distribution system, and we think we can grow the franchise in a very attractive market." Page 4

DESPITE MANY changes in banking this century, one thing has endured: Children of bankers often follow in their parents' footsteps. Page 5


BORROWERS WHO don't refinance their home loans when rates become more favorable probably can't because of worsening credit or declining equity, a study finds. Page 8

GE CAPITAL'S new system uses a scoring formula to evaluate jumbo loans - and that can be valuable to securities traders. Page 8


INTEGRATED DELIVERY Technologies of Buffalo is marketing a transaction processing program to compete with ATM networks and other bank-owned payment systems. Page 10


INSURANCE: Fixed annuities that link their investment performance to a stock index are the new rave among insurers. Page 14

DREYFUS' new chief executive plans to keep building the mutual fund company's equity portfolios and its relationship with national brokerages. Page 15


CFI PROSERVICES, a provider of PC banking software, has launched a product designed to make commercial lending decisions easier and less expensive. Page 19


BANC ONE has hired a CoreStates Financial veteran to lead a growing loan syndications and private placements effort. Page 22

BANK STOCKS fell, prompting analysts to ponder whether a correction is under way. Back page

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