MANAGEMENT STRATEGIES

EDMUND JENSEN, president of Visa, says the sale of Visa Interactive freed the association to concentrate on its global strengths - cards andpayments. The remote banking and bill payment effort was "in retrospect a diversion." Magazine supplement

WASHINGTON

Staking out an ambitious position, the American Bankers Association is planning to ask Congress to tax credit unions with more than $25 million in assets. Page 2

REGIONAL BANKING

Tired of wild swings in the stock price of National City, its management has decided to try changing its ownership mix. Page 6

COMMUNITY BANKING

Marty Adams has big acquisition plans for eastern Ohio's Citizens Bancshares. Under his leadership since 1987, the community banking company has quintupled in asset size, and it plans to double again by 2000. Page 9

TECHNOLOGY

A wave of investor optimism pushed Checkfree's stock price up 46% in mid-October, but its shares are coming down to earth as some analysts worry about overvaluation. Page 12

MORTGAGES

The promotion of Bharat Bhatt to chief operating officer of GreenPoint Financial is seen as a sign the New York thrift may soon go on the acquisition trail. Page 16

CORPORATE FINANCE

BancBoston Securities wrapped up its domestic high-yield debut, pricing a $105 million issue it led for Unicco Service, a Boston-based custodial service provider. Page 18

CREDIT/DEBIT/ATMs

MasterCard's announcement of its upscale World card was the opening shot in the banking industry's most concentrated attack on the premium card segment. Visa's Latin America region launched a platinum card program. Page 24

MARKET MONITOR

Credit card specialists posted varied results in the third quarter, amid further signs that the rise in loan losses is starting to slow. Page 33

WEEKLY REPORT: SMALL BUSINESS

When Kevin Clark set out to find a small-business loan, he resolved to leave no stone unturned. The president and co-owner of Edge Software Services, Warrenton, Va., called on no fewer than 10 banks to see what they could offer. Page 10

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