11.   Banking analysts are pleased.

12.   Banking analysts expect Nationsbank to close some Barnett branches and to raise fees on some services.

13.   Banking industry analysts have found that poor customers are as likely as rich customers to be profitable for a bank, but poor customers sometimes require more loan counseling.

14.   Because automated banking is as cheap as most bankers, banking industry analysts warn this premium for human banking is likely to be a trend of the future.

15.   Banking analysts said the partnership will allow SBC to upgrade its own technology services, an increasingly important and costly part of banking operations.

16.   Banking analysts say these loans are nonperforming, but Japanese banks disagree, saying they expect to collect some of the money.

17.   Banking analysts were skeptical that much of the money will ever be recovered.

18.   Banking industry analyst Alan Boughton at SNL Securities in Charlottesville, Va., said the first branches being closed are the obvious ones.

19.   A front page story in the Nihon Keizai newspaper yesterday purporting to outline the plan, citing ministry sources, failed to impress banking analysts.

20.   But banking analysts said the national banking market is changing rapidly, and the Fleet-BankBoston deal is one of numerous mergers among banking giants.