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tions for all systems completed by the first quarter of 1999. All testing for critical systems should be completed by the second quarter.

Rappahannock National Bank will hold a Y2K seminar in early April, geared to its customers but open to the public, said Vice President Michael Leake.

In a similar statement issued by the Farmers and Merchants Bank, it stated their systems have been ready since the end of last year.

Since the bank was large and depended on third parties, such as financial institutions, it hoped to have them all tested before March 31.

How to Prepare

Despite assurances from the power companies, the Virginia satellite conference suggested preparing for the century date change as if it were a possible snowstorm.

Minor but persistent disruptions are expected in manufacturing and transportation. These could cause delays leading to shortages of food, medicines and other critical supplies.

The American Red Cross suggested stocking disaster supplies that are regularly used for several days to a week, including water, nonperishable foods and an ample supply of prescription and non-prescription medications.

The Red Cross discouraged using outdoor barbecue grills as an alternative heat source, because of the danger of carbon monoxide poisoning.

• The most at-risk residents — those who need medication, or have little income to provide extra food, water and heat if the power were to fail

97.3%