significant change over the four-plus years described in this case had clearly been made. The fundamental nature of the business changed somewhat in that the organization made a deliberate effort to become more of a commercial and less of a savings bank .The merged culture was a bit more representative of one of the previous organizations than of the other,but it became a new culture nevertheless. Systems were significantly improved with the introduction of new technology. Moreover,shifting demographics caused changes in managers' behavior ,that is ,to becoming more attuned and sensitive to individual differences.