11.   Commercial bankers are no less at odds with one another.

12.   Commercial bankers are pressing hard for the scaling down or privatization of the state banking system.

13.   Commercial bankers get paid a salary each month.

14.   Commercial bankers have carried a grudge against her ever since and strenuously lobbied Republicans on the Senate Banking Committee this spring to block her nomination.

15.   Despite the clashing cultures of conservative commercial bankers and high-flying investment managers, analysts said BankAmerica and Robertson Stephens should blend well.

16.   DLJ, Morgan Stanley, and Salomon Brothers Inc. created new lending operations in the past year, hiring many commercial bankers to lead their efforts.

17.   His comments came at a news conference at the International Monetary Conference, an annual meeting of central bankers and commercial bankers sponsored by the American Bankers Association.

18.   In a speech before the American Bankers Association in October, Alan Greenspan, the Federal Reserve Board chairman, urged commercial bankers to improve their disclosures.

19.   Interviews with commercial bankers around the country who are not involved in politics indicated that this might not be the case.

20.   Lawyers, police officers, teachers, clean-up specialists and environmentalists as well as commercial bankers will rule if Gore gets in.