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I PRINCETON, - A J survey of bank customers, j conducted by Cambridge 8 Associates of Boston, | shows a change in attitudes 1 which places new emphasis t on convenience and service as decisive factors in their choice of banks. A similar survey by ttye same research firm two years ago showed that customers then placed primary emphasis on -interest rates in choosing a bank. The survey, taken during a three-week period 1 through June 6 this year, ' was done nationally. However, it showed parallel attitudes in all sections of the country, including the Middle Atlantic region encompassing New Jersey, Delaware, Pennsylvania, Maryland and Virginia, j ABOUT 300 of the 1,500 I persons in the scientifically I compiled nationwide samI pie were from that Middle I Atlantic area, and more I than 50 were from Nejv | Jersey. ✓

Robert C. Forrey, president of the New Jersey Bankers Association (NJBA) said that the survey result indicates that in a climate of banking deregulation, where banks are given much more freedom in setting rates, customers are increasingly focusing on the original values that made commercial banks the strongest of the financial service institutions. "Those values are convenience and service," he said. . SPECIFICALLY, the survey asked respondents which factor was most important to them in choosing a bank — interest, convenience, good services, or the fees charged by bank. Convenience was rated the most important by 32 percent of the responding bank customers. Service was named first by 30 percent, interest paid by banks was named first by 27 percent. Other findings in the survey included the following: A great majority of people (84% of those questioned in the survey) report that they 'are either unaffected by recent changes in banking, or actually have realized specific benefits from such changes. Those in the latter category included 30 percent of the entire sampling. Only 12 percent of those questioned regarded themselves as having "hot benefited" from banking industrychanges. Only 7 percent of bank customers regard the increased use of automated teller machines as having made banking loss convenient. About 90 percent iucui. nuuui ay percent

viewed the introduction of such machines as either having had no effect no banking convenience, or in the case of 2£ percent of the respondent, improved convenience. ^ MOST PEOPLE (ap-

proximately 70 percent) believe that the different types of financial service institutions — commercial banks, savings and loans, other thrifts, insurance companies and brokerage firms — are becoming more alike. Of those who have some deposit relationship with a commercial bank. 87 per-

cent said they hold a favorable view of that bank. Of those bank customers who are aware that they are being charged fees by their banks (i.e. specific payments to banks other than interest on loans) about 70 percent said they regard such fees as a normal cost of doing business.

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It's Time For Fall Planting COURT HOUSE — The fall planting season actually starts inflate August in New Jersey and continues until the soil freezes in December. According to Larry Newbold, CountyAgricultural Agent, most of the hot humid weather is behind us and we can look f orw a r dtfijBore^i n - vigorating weather for gardening in the months ahead. The soil is also in better condition for planting than it was last spring Heavy spring rains made digging difficult both in the nursery and in the home garden. According to Newbold, late August and early September are ideal for making a new lawn or renovating an older one. Seedlings at this time have less competition from weeds, and the cooler weather favors growth of lawn grasses. EVERGREENS planted in late August or September will be well established by winter.

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