Joseph C. Duwan enjoys an expansive view of the New York metropolitan area from his office on the World Trade Center's 85th floor - but it is not nearly as expansive as the territory he covers as a regional bank analyst.

Mr. Duwan's turf extends westward from Mellon Bank Corp. in Pittsburgh to Norwest Corp. in Minneapolis. In between, the Keefe, Bruyette & Woods senior vice president follows 28 banks with market capitalizations ranging from $37 billion to $500 million.

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