NEW YORK (AP) - No novice to online banking, Andrea Kovar zooms money around daily from her personal computer. But because she depends heavily on electronic funds transfers, she worries about the millennium bug. Kovar is one of 100 million consumers, including most Social Security recipients, who have their paycheck or government benefits deposited electronically.

Some 4 million people pay bills by computer. Because online bankers could be especially p; inconvenienced when the calendar rolls over Jan. 1, banks and the federal government are testing and retesting their systems to make sure the year 2000 arrives without hassles.