11.   Another former loan officer, a Caucasian who specialized in business lending for Sumitomo in Southern California, also is considering legal action.

12.   Another regional ISP, Tucson, Ariz.-based Netrail, briefly considered legal action against Uunet, but last week reached an agreement with the company.

13.   Arthur Andersen would not discuss the investigation, and Penguin officials declined to comment on whether they were considering legal action against the auditors.

14.   At the time, the Rabin government briefly considered action but then decided against it, because Goldstein was dead and because the old policy had fallen into disuse.

15.   Australian television networks said they are considering legal action against Seven Network Ltd. after Seven said it intended to restrict their access to coverage from the Atlanta Olympics.

16.   Babbitt, however, said he also would consider legislative action, if it could be organized before the end of his tenure.

17.   Bayno is upset he has become the fall guy for something the NCAA cleared him of, and is considering legal action.

18.   Besides considering legal action against the Virtue party, prosecutors are moving ahead with efforts to prosecute Erdogan and several of its other new members.

19.   Bird, who had filed a complaint with police, said he also is considering civil action.

20.   A half-dozen other states are considering similar actions, lawyers involved in the litigation say.