This episode's headline: Bank on This; Shifting Sands; Murder in America; Past Perfect. The guests include WILLIAM SEIDMAN, Chairman, FDIC; CHARLES BOWSHER, General Accounting Office; JANIE JEFFERS, Corrections Official; CORRESPONDENTS: IAN WILLIAMS; CHARLAYNE HUNTER-GAULT; ROGER ROSENBLATT. Byline: In Washington: JAMES LEHRER; In New York: JUDY WOODRUFF