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SPEAR FINANCIAL ANNOUNCES NEW CLIENT

 SPEAR FINANCIAL ANNOUNCES NEW CLIENT
 LOS ANGELES, July 2 /PRNewswire/ -- Spear Financial Services Inc.


(NASDAQ: SFNS) announced that its subsidiary, James Mitchell & Co. ("JMC"), has signed an agreement with Central Fidelity Bank, Richmond, Va. Pursuant to the agreement, JMC will utilize a structured marketing organization throughout Central Fidelity's branch system to sell annuities and mutual funds.
 Central Fidelity is a Richmond-based bank holding company with 205 offices and $6.8 billion in assets. "We're delighted that Central Fidelity has chosen JMC to serve their growing customer need for broadened investment alternatives," James K. Mitchell, president of JMC said. The company expects to begin these operations in September.
 Spear Financial Services Inc. markets tax-advantaged insurance products to customers of financial institutions through JMC. In addition to insurance marketing, the company operates a securities division consisting of a California-based securities brokerage firm and a major Pacific Stock Exchange specialist operation.
 -0- 7/2/92
 /CONTACT: Randy Stratt of Spear Financial Services, 818-543-4440/
 (SFNS CFBS) CO: James Mitchell & Co.; Spear Financial Services Inc.;
 Central Fidelity Bank ST: California, Virginia IN: INS FIN SU:


AL-EH -- LA002 -- 5988 07/02/92 06:00 EDT
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Date:Jul 2, 1992
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