Nicholas Ceto Jr. established Ceto and Associates in 1994. Mr. Ceto was previously a partner at KPMG\'s headquarters in New York City as their National Partner-in-Charge of Revenue Enhancement Consulting Services for banks, thrifts and other financial institutions. In less than a decade, Ceto and Associates has become one of the nation\'s most prominent bank management-consulting firms. We currentlyhave over 500 financial institutions as clients in all 50 states. Theseclients include large money center, regional and community banks.