WASHINGTON

Financial services firms are not adequately guarding the privacy of on- line customers, increasing the chances that Congress will step in, the FTC says. Page 3

COMMUNITY

Many at the Indiana Bankers Association conference sought ways to combat shrinking margins but got small comfort from speaker Brian Wesbury, who foresaw a flat yield curve for decades. Page 8

A bidding war has erupted in southwest Oregon for Roseburg-based Douglas National Bank. Page 8

CORPORATE FINANCE

Dresdner Bank is reactivating its membership in the New York Stock Exchange today, capping off a yearlong effort to build up its equities business in the United States. Page 9

Fleet has hired 14 executives from Citicorp to launch a high-yield debt underwriting unit, the banking company's investment banking chief confirmed. Page 9

REGIONAL

After a year as Trustmark CEO, Richard Hickson is forging a new sense of purpose at the conservative Jackson, Miss., company. It has focused on customer service and relationships for years, he says, "and we're now realigning ourselves to take our strong service culture and bring about a sales culture just as focused." Page 6

INVESTMENT PRODUCTS

Banc One is pushing into the booming field of high-yield bond investments by teaming up with a Cincinnati boutique. Page 10

MORTGAGES

Fannie Mae and Freddie Mac have identified minorities as a growth sector for the mortgage industry, yet both continue to battle allegations that their policies foster illegal discrimination. Page 11

CARDS

At Citibank a futuristic surveillance system now keeps a clear and constant eye on 132 New York-area automated teller machine locations. Page 16

TECHNOLOGY

If any doubts remained about Visa's smart card strategy, the association began to quell them with the formation of a multinational Open Platform Users Group, with five major U.S. banks among them. Page 17

MARKETS

SunTrust is buying $183 million-asset Citizens Bancorp. of Marianna, Fla., for about $50 million in stock and cash. Back page

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