WEST PALM BEACH, Fla. – Picking the most important credit union story of '04 isn't easy given all that's happened. That difficult task is the subject of Credit Union Times' new online voting poll. The question and choices are as follows: * Plethora of high-profile leadership changes (Dennis Dollar, Mike Kitchen, Brian McDonnell, etc.), *Charter conversion battle at Columbia CU, *Continued banker attacks (Utah once again, bankers unite), *Failed mergers: Portland Teachers CU/Oregon Community CU and North Dakota and South Dakota Leagues, *Check 21 ushers in potential of electronic image exchange, *CU business services boom (new CUSOs, more SBA activity), *Credit/debit/ATM arena developments (Amex and Discover now in the game, Wal-mart case fallout, ATM network moves), *Capital developments (GAO finds alternative capital not needed, JoAnn Johnson's proposed capital changes), *Strong congressional support for tax-exemption and Credit Union Regulatory Improvements Act, *Labor dispute at CUNA Mutual Group. Log on to www.cutimes.com to cast your vote.