William G. Stevens' Community Capital Corp., which went public last month, is building a network of community banks in rural South Carolina. Page 8 Community BANKING IBAA CONVENTION: Despite another year of record profits, bankers meeting last week were worried. Page 9 washington credit unions unwilling to wait on the Supreme Court and Congress are turning to "plan B." Page 2 The only remaining question about financial reform is where the White House stands. Page 3 REGIONAL BANKING SunTrust has adopted a "sales culture," and apparently it's paying off. Page 6 MORTGAGES A pilot program could develop credit scoring into a tool for helping lenders set company policy. Page 12 INVESTMENT PRODUCTS Bankers praised a new draft of a NASD rule that would let banks share client data freely with affiliates, including securities and insurance operations. Page 15 CORPORATE FINANCE Natwest led its first high-yield bond issue--$200 million for a microfiche equipment maker. Page 16 TECHNOLOGY Bankers should expect to encounter a chasm, and then a tornado, if they want to keep up with technology, a Silicon Valley strategist says. Page 18 CREDIT/DEBIT/ATMs Visa's pitch to become Major League Baseball's official card brand is likely to succeed. Page 20 MARKET MONITOR Commercial lending is steering clear of the troubles plaguing the consumer credit sector. Page 31 WEEKLY REPORT: SMALL BUSINESS The personal touch has helped four small banks in highly competitive markets achieve some of the best results in the country. Page 10 A California securitizer and a bank software company plan a venture to securitize small-business loans made by community banks. Page 11

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