The day of the web is coming.

• Position: Marketing News - Brief Article

You're not making any money from your website? Welcome to the club. Nearly half (49.2 percent) of the respondents to the 2002 ABA community bank survey say they're in the same boat, and they expect to remain there.

On the other hand, they expect their websites will remain crucial to customer service, and 18 percent expect them to be their primary consumer-banking channel by 2005. More than 42 percent already believe online banking is essential to maintaining business accounts. Some other findings of interest

* Most bankers rely on outside suppliers to operate their websites. Fewer than 20 percent do it in-house.

* Twenty-nine percent think their website has brought in new business that they wouldn't otherwise have received. Thirty three percent said no; 38...