WASHINGTON

Comptroller of the Currency Eugene A. Ludwig told Congress that banks are not doing enough to fix year-2000 computer problems. Page 2

REGIONAL BANKING

A spate of acquisitions in upstate New York may put pressure on the three largest banking companies with operations there to find suitable partners in the region. Page 4

A state judge is to rule this month whether Union Bank of California must pay $31 million to an investor who claims he was defrauded. A lower- court judge recommended the award in July. Page 6

COMMUNITY BANKING

Florida community banks are on the offensive, breaking advertising budgets on campaigns aimed at winning customers from Barnett Banks before NationsBank takes it over. Page 8

West Coast Bancorp in Oregon plans to buy its second Washington State bank in a stock deal valued at $47.2 million. Page 8

CORPORATE FINANCE

Bankers Trust New York named its global finance chief as the first-ever president of BT Alex. Brown, the bank's securities unit. Page 9

MORTGAGES

HOME EQUITY: Subprime borrowers are more middle-of-the-road than lenders and regulators suspect, a benchmarking study indicates. Page 10

Michigan National, which quit the national lending scene in 1994, is back in the mortgage spotlight now that its parent, National Australia Bank, is buying HomeSide. Page 11

INVESTMENT PRODUCTS

Savvy bankers know that trust and asset management services will be of prime importance to customers who seek financial information over the Internet. Page 12

TECHNOLOGY

Big banks' operating expenses are tilting fast toward technology, according to a BT Alex. Brown survey of 13 of the top 25. In addition, more and more of the money is being spent with an eye to boosting revenues. Page 18

Electronic commerce and home banking users who want an extra feeling of security may find it in mouse-size biometric devices. Page 18

MARKET MONITOR

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