25 Most Powerful Women in Banking 2003

1. Sallie Krawcheck
   Chairman and CEO
   SMITH BARNEY

2. Marjorie Magner
   Chairman and CEO
   GLOBAL CONSUMER GROUP CITIGROUP

3. Marion Sandler
   Co-CEO
   GOLDEN WEST FINANCIAL/WORLD
   SAVINGS AND LOAN

4. Amy Brinkley
   Chief Risk Officer
   BANK OF AMERICA

5. Deanna Oppenheimer
   President of
   Banking and Financial
   Services Group
   WASHINGTON MUTUAL

6. Heidi Miller
   Executive Vice President
   and Chief Financial Officer
   BANK ONE

7. Julia S. Gouw
   Executive Vice President
   and Chief Financial Officer
   EAST WEST BANK

8. Susan Storey
   Managing Director
   CIBC WORLD MARKETS

9. E. Lee Beard
   President, CEO and Director
   FIRST FEDERAL BANK
   OF HAZLETON PA

10. Colleen Kvetko
    President and CEO
    FIFTH THIRD BANK/FLORIDA
11. Barbara Desoer
    President of Consumer Products
    BANK OF AMERICA

12. Elizabeth "Lee Lee" James
    Vice Chairman and CIO
    SYNOVUS

13. Susan Pittman Horton
    President, CEO and Chairman
    WHEATLAND BANK

14. Peyton Patterson
    Chairman, President and CEO
    NEW HAVEN SAVINGS BANK

15. Ina Drew
    Managing director,
    Division Executive
    Global Treasury Business
    JPMORGAN CHASE

16. Carrie Tolstedt
    Group Executive Vice President
    Regional Banking
    WELLS FARGO & COMPANY

17. Kathy C. Thompson
    Executive Vice President,
    Wealth Management Group
    STOCK YARDS BANK & TRUST

18. Cathy Bessant
    Chief Marketing Officer
    BANK OF AMERICA

19. Doreen Woo Ho
    President, Consumer Credit Group
    WELLS FARGO

20. Ranjana Clark
    Executive Vice President
    Head of Treasury Services
    WACHOVIA CORP.

21. Patricia Moss
    President and CEO
    CASCADE BANCORP

22. Karen McCormick
    President and CEO
    FIRST FEDERAL SAVINGS AND
    LOAN ASSOCIATION

23. Debra Lins
    President and CEO and Director
    COMMUNITY BUSINESS BANK

24. Shirley Nelson
    Chairman and CEO
    SUMMIT BANCSHARES

25. Rebecca Joan David
    CEO
    UNIVERSITY BANK

25 Women to Watch 2003

1. Janey Place
   Evp Mellon Financial,
   President Mellon Lab & On-Line Services
   Mellon Financial Corp., Pittsburgh PA
2. Dina Dublon
   Evp and CFO
   JPMorgan Chase, New York NY
3. Jill Denham
   Vice chair, retail markets
   CIBC, Toronto Canada
4. Leslie Bains
   Senior evp, head of private banking and wealth management services, North America
   HSBC Bank USA, New York NY
5. Maura Markus
   President, Citibank North America retail
   distribution group
   Citigroup, New York NY
6. Cece Sutton
   Evp and head of retail
   Wachovia, Charlotte NC
7. Betsy Duke
   Evp, community bank development
   SouthTrust, Virginia Beach VA
8. Susan Potter
   Evp, consumer product management
   KeyCorp, Cleveland OH
9. Tammy Case
   Svp, senior loan officer, business banking
   The Newton Trust Company, Newton NJ
10. Debra Nichols
    Svp of women’s financial advisory service
    Wachovia, Charlotte NC
11. Betsy Lawer
    Vice chair and COO 
    First National Bank Alaska, Anchorage AK
12. M. Ann Thomas
    President and COO
    Woodforest National Bank, Houston TX
13. Barbara Ralston
    President and CEO/founder
    Camelback Community Bank, Phoenix AZ
14. Lesley Daniels Webster
    Evp, head of market risk management and fiduciary risk management
    JPMorgan Chase, New York NY
15. Carol Nelson
    President and CEO
    Cascade Financial Corp., Everett WA
16. Leslie Godridge
    Senior evp, head of corporate banking sector, financial companies sector, retail banking sector and global strategic sales
    The Bank of New York, New York NY
17. Maria Elena Lagomasino
    Chairman and CEO, JPMorgan Private Bank
    JPMorgan Chase, New York NY
18. Jean Davis
    Senior evp and division head for IT,
    e-commerce and operations
    Wachovia, Charlotte NC
19. Gayle Fawcett
    Svp, retail banking and operations
    Berkshire Bank, Pittsfield MA
20. Jennifer Goldbach
    President and CEO
    First National Bank of North East, North East MD
21. Jyotsna Heckman
    President and CEO
    Denali State Bank, Fairbanks AK
22. Babette Heimbuch
    Chairman and CEO
    First Federal Bank of California, Santa Monica CA
23. Diane Varrin Eshleman
    Managing director and chief procurement officer, Information Technology
    JPMorgan Chase, New York NY
24. Rebeca Romero-Rainey
    Board chair, president and CEO
    Centinel Bank of Taos, Taos NM
25. Marti Tomson Rodamaker
    President
    First Citizens National Bank, Mason City IA