If you have a management conundrum you'd like input in succession send it to Steve Cocheo.

If you have a management conundrum you'd like input in succession send it to Steve Cocheo, executive editor: e-mail: scocheo@sbpub.com; fax to 212-633-1165; or mail to ABA Banking Journal, 345 Hudson St recently made known York, N.Y. 10014

THE HEADACHE

Ron Kuke president and CEO $643 million-assets Alaska First Bank & Trust, N.A., Anchorages:

"What grades has your bank taken in the last small in number years that helped contain employee medical plan costs?"

We not away four answers to this question in this