TOP PIPER IN BERMUDA BUC Top piper in Bermuda World-class piper James Banks has blown into Bermuda to help St. Andrew's Day go with a swing. Ex-Scots Guards Pipe Major Banks -- who taught rock star Phil Collins to play the bagpipes for a world tour -- is on the Island as a guest of international firm Jardine Mathieson. ---- Page 2 CITRUS BUG DISCOVERED ENV Citrus bug discovered A pest which attacks fruit trees has been discovered in Bermuda, it was revealed at the weekend. And the Citrus Leaf Miner -- a tiny moth -- has already spread across the west of the Island and may have moved east of Devonshire. ---- Page 6 INSURERS SEND OUT Y2K WARNING BUC Insurers send out Y2K warning Local businesses and homeowners will find a new exclusion clause in their insurance policies when renewing them next year. The "Year 2000'' exclusion clause will serve as notice to business owners and executives that they'd better not rely on their insurance to cover losses due to their lack of action in dealing with the worldwide computer problem. ---- Business, Page 13 SMITH SMASHES RECORD MAR Smith smashes record Kavin Smith ran the fastest half marathon ever recorded in Bermuda yesterday -- and then admitted he had stopped for a breather during the race. The Island's top road runner wrote his name into the history books with an amazing time of 1:08:51 to win the annual Bermuda Sun Half Marathon and claimed a $1,000 bonus prize for smashing the Bermuda record. ---- Sport, Page 27 VILLAGE IN HIGH DRAMA WIN SOC Village in high drama win North Village won a hard-fought victory at Southampton Oval yesterday to leapfrog over Southampton Rangers in the Coca-Cola First Division. It was a game of high drama, including two penalties and two red cards for North Village substitutes who had not even come on the field. ---- Sport, Page 27