1.   Finding a Unique Selling Point for banking services is no easy matter these days.

2.   I should be sorry to have to advise the Parish Council to look elsewhere for banking services.

3.   An increasing number of financial institutions are moving beyond brick and mortar branches and automated teller machines to offer banking services more cheaply and conveniently to their customers.

4.   And bigger banks, with operations spread over more regions, can better afford the investment in the latest technology for consumer banking services, Ms. Randall said.

5.   Banks such as NationsBank and Wachovia let you perform most banking services through a Web page.

6.   Banks have been developing their investment banking services to defend their clients against investment banks and to generate additional revenue.

7.   Banking services are becoming a commodity, said Stephen Franco, a managing director at U.S. Bancorp Piper Jaffray, an equities research firm in San Francisco.

8.   Banks should start offering a working banking service to their customers by late next spring, he said.

9.   Because banks can now sell insurance, insurance agents and firms want to provide banking services.