1 THE BANK IS DEAD... A few years ago,\" said Tom Storrs, a professor turned entrepreneur who runs North Carolina National Bank in Charlotte (and Tampa--he has wormed his way across the Florida state line through a loophole in tile banking regulations), \"you could describe lhc banking industry as a group of institutions with defined charac- terisiics. In the 1990s, you ll have to describe it as a group of services provided by a range of institutions.\" \"You re writing a book on the future of banking ?\" asked Willis Alexander, once a small-town Missouri banker, now the elegant executive vice-president of the American Bankers As- sociation, his trim gray moustache sensing every change in the
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