Banking

FEDERAL RESERVE BANK OF ATLANTA Volume 11, Number 3 July-September 1998 Cover Story - Atlanta Fed Unveils Design for New Headquarters Regulations Limit Banks' Choice of Capital Instruments Financial Update Gets a New Look Atlanta Fed Experiences Unprecedented Check Growth Bank Consolidation Affects Lending in Southeastern Rural Markets Technology Drives Banking Into the 21st Century DEPARTMENTS Year 2000 - Atlanta Fed Hosts Century Date Change Symposium Did You Know? - Risk-Based Standards for Capital Requirements Data Bank The Docket Editorial Director Pierce Nelson Managing Editor Lynn Foley Staff Writer Jean Tate Designers Carole Starkey and Kristin Reynolds Editorial Board Bobbie McCrackin — V.P., Public Affairs Vicki Anderson — A.V.P., Miami Branch Lois Berthaume — V.P., Supervision and Regulation Anne DeBeer — Sr. V.P., Accounting/Automation Lee Jones — A.V.P., Nashville Branch B. Frank King — V.P. and Assoc. Director of Research Tony Love — A.V.P., Atlanta Branch James McKee — V.P., Atlanta Branch Larry Schulz — V.P., Retail Payments Office Clifford Stanford — Associate Counsel, Legal Patricia Van de Graaf — A.V.P., New Orleans Branch Policies The views expressed are not necessarily those of the Federal Reserve Bank of Atlanta or the Federal Reserve System. Reprinting or abstracting material from this publication is permitted if Financial Update is credited and a copy of the publication containing reprinted material is provided to the Public Affairs Department. Subscriptions Free subscriptions and additional copies are available upon request to: Taqiyyah Muhammad Public Affairs Department Federal Reserve Bank of Atlanta 104 Marietta St., N.W. Atlanta, GA 30303-2713 or by calling (404) 498-8020. Internet address: http://www.frbatlanta.org Change-of-address notices, along with the current mailing label, should be sent to the Public Affairs Department. ISSN 0899-6563