Banking

FEDERAL RESERVE BANK OF ATLANTA Volume 11, Number 4 October-December 1998 Cover Story - Evaluating Credit Union Competition In Bank Merger Applications Credit Unions: What's the Fuss? Regulators Respond to Market Developments, Guynn Says Treasury Securities Offered in Smaller Amounts New Quarters and $20 Bills Federal Payments Go Electronic in 1999 D E P A R T M E N T S Year 2000 - Contingency Planning and Customer Awareness Are Key in Y2K Efforts Did You Know? - Commercial Lending Standards Are Easing, Fed Report Says 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 James McKee — V.P., Atlanta Branch Mel Purcell — V.P., Nashville 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