1.  As a customer steps up to the ATM, a camera will take a snapshot.

2.  Derrick Deese, a perennial replacement, will probably take over for Gogan at right guard.

3.  Derwin will take over after the Olympics for Jim Schmitz, who was elected second vice president. . . .

4.  Designer fashions will probably take a hit as well.

5.  Depending on the computer, the downloading will take five minutes to three hours.

6.  Depending upon how complicated the designs are, it will take 4 to 7 minutes to "cook" the pins.

7.  Desormeaux will take over from Victor Espinoza.

8.  DEREK WALLACE's operation will take place at the Hospital for Special Surgery in Manhattan.

9.  Derrick Higgins won't take a charge in a pickup game.

10.  Delta will take a one-time charge of $86 million for the early retirement program in the quarter that ended June 30.