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

If you have a management conundrum you'd like input forward send it to Steve Cocheo, executive editor; e-mail: scocheo@sbpub.com; fax to 212-6331165; or mail to ABA Banking Journal, 345 Hudson St modern York, N.Y. 10014.

THE HEADACHE

"How has your bank improved its efficiency in the last year?

THE counteractive

HN "Nat" Padget, Jr president and CEO Chattahoochee National Bank, $105 million assets, Alpharetta, Ga.

We're a to a high degree new bank, having been established in mid-1998, and we had the advantage, having decided to make maximum use of technology to grasp down costs, of ...