1.   Bank IV recently announced an agreement with Visa Interactive to bring interactive banking to its customers via video screen phones and computers beginning later this year.

2.   But it is more sculptured than the usual screen phones, with a fluid design.

3.   Consumers will be able to use these services through the use of a variety of devices, including telephones, screen phones, personal computers and personal digital assistants.

4.   Eventually, the system will be linked to other screen phones and possibly to devices like cable-television boxes.

5.   If screen phones or interactive television become widely accepted by consumers, those too can be used, Amato said.

6.   In such a business, these sophisticated screen phones could give employees quick access to customer data or market statistics.

7.   Intellidata, a Virginia company, rolled out its screen phone in November.

8.   International Data Corp. predicts that households will adapt most readily to the screen phone, but businesses are already warming to the product.

9.   It is a standard screen phone that can send and receive e-mail and do banking on line.

10.   Northern Telecom, Alcatel and Samsun are expected to announce that they will introduce their screen phones with Java by the middle of next year, Sun said.