11.   Bank regulators are taking steps most observers say were inevitable, closing thrifts that have no hope of recovery.

12.   Bank regulators have begun surfing the Net looking for fraudulent Internet bank sites.

13.   Bank regulators in San Francisco would be versed in that, not him.

14.   Bank regulators in California recorded their most upbeat views of real estate markets in the last five years.

15.   Bank regulators could put up another obstacle to the purchase of securities on credit.

16.   Bank regulators have been more worried about the effect on bank balance sheets if many risky loans are not repaid the next time the economy goes into a slump.

17.   Bank regulators have called for improved separation of the two functions to prevent future fiascos.

18.   Bank regulators say that number could go much higher.

19.   Accounting changes imposed by bank regulators led to the increase in bad loans, the company said.

20.   After Barings, bank regulators need to insist that even illustrious banks implement the strict internal controls they say they believe in.