WASHINGTON

The OCC has knocked down another restriction on sales of insurance by banks. Page 2

REGIONAL

Citicorp quietly doubled the minimum that can be withdrawn from its ATMs, to $40. Page 5

CORPORATE FINANCE

Five months after BankAmerica bought Robertson Stephens, bank executives say cross-selling of services is picking up speed. Page 7

INVESTMENT PRODUCTS

Chase is the latest bank to fire a shot in the deep-discount on-line trading wars. Page 9

COMMUNITY

Comptroller Eugene A. Ludwig used a speech at the IBAA convention in Hawaii to issue yet another credit-quality warning. Page 10

MORTGAGES

The interest rate environment turned against the housing market, but the overall outlook for home builders and lenders remains favorable. Page 11

CARDS

First Data's decision to lay off 10% of its merchant processing division came as no surprise to industry experts. Page 16

TECHNOLOGY

Digital Insight, an Internet home banking software provider, has received $8 million of venture capital to expand its business. Page 20

MARKET MONITOR

Top executives at E-Trade Group and Charles Schwab have recently been heavy sellers of shares in their own companies. Page 29

WEEKLY REPORT: SMALL BUSINESS

First Union said it updated its commercial sweep account to broaden its appeal to small-business owners. Page 15

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