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Non-Tech : NetBank(NTBK)-formerly Atlanta Internet Bank -- Ignore unavailable to you. Want to Upgrade?

To: Dr. Jeff who wrote (1974)	6/19/1999 8:40:00 PM
From: jjs_ynot	Read Replies (1) \| Respond to of 2414

NTBK growth rate: yahoo.marketguide.com

To: Dr. Jeff who wrote (1974)	6/20/1999 3:28:00 AM
From: Tsaen Wang	Read Replies (3) \| Respond to of 2414

So Dr.Jeff, how is your scare tactic any different than the hypsters in this thread? Why not just present your case and save the lecture for the kids. No, there is not much barrier to the internet banking, it's just the natural extension in the internet revolution. Most banks have internet strategy by now, or their CEOs should be shown the door. Netbank is just one step ahead. A pure play and should be judge as such. To compare the netbank and a regular bank is missing the point. To illustrate my point, why did DLJ spin off its online trading outfit? Why not keep it in house. Or Barnes and Nobles. Certainly, every cat and dog can sell books on line. Why is Amazon worth more than the combine weight of its store front competitors? Now the valuation, if the net banking catch on with the public, as the online trading, NTBK is well positioned to ride the big waves as the Egrp or SCH. In this sense, this stock is still a speculation play, but with a lot going for it. To say this is a me too dot com and a 12 dollars stock just isn't convincing at this point.

To: Dr. Jeff who wrote (1974)	6/20/1999 9:13:00 AM
From: AugustWest	Respond to of 2414

Hi Jeff, I had this nice long post typed up last night to send out to you. But On second read, I decided, in the name of diplomacy to delete it. SO, in response, I will merely point you to a few previous posts. Say you something different? Okay, $12x3=$36. Brent would have been happy covering at 4 times that price. Good luck. perlude:https://www.siliconinvestor.com/readmsg.aspx?msgid=8808338 1)https://www.siliconinvestor.com/readmsg.aspx?msgid=8814120 2)https://www.siliconinvestor.com/readmsg.aspx?msgid=8838103 3)https://www.siliconinvestor.com/readmsg.aspx?msgid=8816454 4)https://www.siliconinvestor.com/readmsg.aspx?msgid=8819226 5)https://www.siliconinvestor.com/readmsg.aspx?msgid=8835662 6)https://www.siliconinvestor.com/readmsg.aspx?msgid=8836855 7)https://www.siliconinvestor.com/readmsg.aspx?msgid=8838103 8)https://www.siliconinvestor.com/readmsg.aspx?msgid=8849014 And the finale: Message 8808338 have a good day. p.s. Have you even bothered to read this post? Message 10044982 As a short seller, it might be prudent to know more about the company than the longs. JMO.

To: Dr. Jeff who wrote (1974)	6/20/1999 6:42:00 PM
From: Kevin A. Lynch	Respond to of 2414

I bet you would do a great job at picking out the winner of the KY derby the Sunday after the race. Upon closer inspection, I am sure you will find that account growth is exceeding 110% year over year. I am not in at a significantly different level than the stock is currently trading. Even if the stock is overvalued, that mountain of short sellers could cause a 10-15 dollar rally whenever they quit forcing the air out of this one. Plus, all this talk about B&M banks is silly. The obvious conclusions to make are as follows. B&M's must compete or cannobalize their current account holders or risk the chance of losing them to NTBK types. B&M's do offer additional channels to bank through (local branches and free ATM use). NTBK's infrastructure is much much less on a per account basis. The ones I would be weary of are mid to small size banks that are marginally profitable (they could get thumped). Regards, Kman

To: Dr. Jeff who wrote (1974)	6/20/1999 10:37:00 PM
From: Investor in MI	Respond to of 2414

What are you a short or what? I post occasionally and have held the stock for a long time. The growth is there. The latest quote I read said 350-400 new accounts per day. How many or your traditional banks boast that kind of growth. I closed 2 local accounts after getting used to the online system. The only reason I use a local account at all is that my wife wants a local check. At 300 accounts per day and 5 days / week is a current annual account growth of 78,000 (very conservative). I would say that that qualifies for 110% growth. Will they win the war. Who knows. That's why we buy stock. You are more likely to see 120 than 12. IMO.