1Allen N. Berger. Rebecca S. Demsetz, Philip E. Stranbam, "The consolidation of the financial services industry: Causes, consequences, and implication for the future" , Journal of Banking and Finance 23 135 - 194. 1999.
2Diana Hnaeoek, David B. Humphery, James A. Wilcox "Cost reduction in electronic payments: The role of consolidaton, economies of scale, and technical eharlge" , Journal of Banking and Finance 23 391 -421, 1999.
3Jith Jayaretne, John Wolken, "How important are small banks to small business lending? New evidence from a survey of small firms" , Journal of Banking and Finance 23, 427 - 458, 1999.
4Robert Deyoung, Lawrence G. Goldberg, Lawrence J. White, "Youth, adolescence, and maturity of banks: Credit availability to small business in an era of banking consolidation" , Journal of Banking and Finance 23 463 -492, 1999.
5Robert B. Avery, Raph ael W. Bostic, Paul S. Calem Glenn B. Canner, "Conselidetion and bankktg branching patterns" , Journal of Banking and Finance 23, 497 - 532, 1999.
6Charles Hadlock, Joel Houston, Michael Ryngaert, "The role of managerial incentive in bank acqnisitions" , Journal of Banking and Finance 2, 221 - 249, 1999.
7Todd T. Millbourn, Araoud W. A. Boot, Anjan V. Thaker, "Mega merger and expanded scope: Theories of bank size and activity diversity" , Journal of Banking and Finance 23 195 - 214, 1999.
8Michelle Haynes, Steve Thompson, "The productivity effect of bank mergers: Evidence from the UK bnilding soci-eties" , Journal of Banking and Finance 23 825 - 846, 1999.
9T.T. Milbourn, A Boot, and A. V. Thakor, "Megamergers and expanded scopa: Theories of bank size and activity diversity" , Journal of Banking and Finance 23 195 -215, 1999.
10C. Hadlock, J. Houston, and M. Ryngaert, "The role of manageerial incentives in hank acqnisitions" Journal of Banking and Finance 23 221-250, 1999.
