81.   Smaller banks might use of the corporation the most.

82.   Smaller banks also lack the money to pay for expensive new technology needed to deliver electronic banking services to time-pressed customers.

83.   Smaller banks are exiting the business, leaving it to big players like State Street.

84.   Smaller banks are expected to be swallowed up by bigger banks.

85.   Smaller banks are less interested than the largest international banks in bailing out South Korea.

86.   Smaller banks such as Dao Heng Bank Group Ltd. rose even more, as investors bet some institutions will report stronger-than-expected profit in coming weeks.

87.   Smaller regional banks have been meeting, but not exceeding, more modest expectations by analysts.

88.   Smaller banks tend to provide higher levels of service than bigger banks, including direct communication with decisionmakers.

89.   Smaller banks with extensive branch networks in the rich northern regions of the country have also been talking to each other about creating alliances.

90.   Smaller banks, however, should be careful, analysts warn.