PETER S. ROSE is Professor of Finance and Jeanne and John R. Blocker Professor of Business Administration at Texas A&M University. After serving as a financial economist with the Federal Reserve System, Dr. Rose turned to teaching more than two decades ago. He is author of nearly 200 articles and numerous scholarly books, textbooks, and other teaching materials, including Japanese Banking and Investment in the United States (1991) and The Interstate Banking Revolution (1989), both from Quorum.