51.   It will rely instead on telephone and Internet banking services.

52.   It would then set up a thrift to provide its retail banking services.

53.   Its customers can trade in many financial instruments and receive a variety of financial advice, not to mention mortgage and private banking services.

54.   Last year the Justice Department reached a similar accord with Chevy Chase Federal Savings Bank of Maryland over discrimination in banking services.

55.   KeyCorp, too, plans to begin a pilot test of its Right at Home banking service next month, spokesman Rob Gill said.

56.   Like most foreign banks, Dresdner is also interested in offering investment banking services to large corporations and the government.

57.   Many foreign banks have opened offices in China, but so far they have been allowed to offer banking services only to multinational corporations with operations here.

58.   Microsoft, he is expected to say, does not want to offer banking services but does want to sell software tools to banks.

59.   Microsoft executives have long talked about the potential for circumventing banks altogether to offer banking services to millions of Americans who already use their software.

60.   More than a dozen companies, in addition to Viacord, now offer banking services.