Terry,

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>Is there an ActiveX control being populated during the appends?

No ActiveX controls are updated during this process - although we do use a few in the app. The credit union in question restored a back-up of their data folder from the previous day and all was well.
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>Curious: What software is the credit union using to account for bond holdings?

Not sure what they use to account for bond holdings - it may be part of the mainframe banking system. We concentrate on reconciliation software that automates their current account reconciliation (built with VFP), inter-institution switch (ATM and POS)reconciliation (built with VFP), and a tool that automates the balancing of the ATM deposits themselves (built with VB-Access using MDAC 2.6).