Wachovia Corp. made it official last month: Leslie M. "Bud" Baker Jr. will replace John G. Medlin Jr. as chief executive officer on Jan. 1. Mr. Baker, 51, was already the clear heir apparent, since he was named president and chief operating officer earlier this year.

As the day when Mr. Baker takes over draws closer, more attention is being paid to the man who will soon be running one of the nation's most highly regarded banks. Can any changes be expected under his leadership?

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