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In this study, we set out to analyze the effectiveness of today’s commercial Web sites, using select criteria considered unique to effective Web design. A random sample of 43 Virginia bank Web sites represented the study. Each site was evaluated based on the same criteria. The results s how fragmentation in Web sites, ranging from those considered “mere presence” to sites that were loaded with multimedia, interactive audio and video, and truly effective customization, speed, and scalability. Few lessons can be learned for improving Web presence on the Internet.