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Many banks now offer customized software programs or supportpopular money-management applications such as Intuit's Quicken,so individuals with personal computers can pay their bills or trackpersonal accounts online. Since the mid-1980s, banks have alsoprovided their large corporate customers with PC banking programsto track payments in real time. So what's available forsmall-business customers?

Not much.

The good news: Experts predict that's likely to change inthe near future. Bill Burnham, an associate with New YorkCity-based management consulting firm Booz Allen & Hamilton andleader of the company's recent Internet banking survey, saysbanks are beginning to provide online banking services tocompanies, including small businesses.

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