Banking Centers, which focus on the Bank's commercial banking customers. In an effort to enhance its ability to service its commercial customers, during the fourth quarter of 1997 the Bank implemented a more centralized process for originating, underwriting and approving all loans over $1.0 million. The staff involved in this more centralized approach are able to incorporate more comprehensive credit information than previously reviewed by the Bank by applying Internet and network computer technology to take a loan from application to closing in less time than before.

        The following table sets forth information concerning the...