"We lead by example and promote what works," said Leland S. Prussia, chairman of the organization and former chairman of BankAmerica Corp. "The message is clear: Community reinvestment is a concern of all types of financial institutions." Ingredients in Success Members of the Social Compact highlighted five common elements in establishing successful community partnerships: * A strong, highly visible community need. * Community and charitable support. * Effective government subsidy programs help support the projects. * Clearly demonstrated, mutual benefit to both partners. * And strongly committed lenders with senior executive personal involvement. The six winning partnerships follow: Chicago Neighborhood Housing Services and Continental Bank, Chicago. The two have worked together for more than five years to revitalize low and moderate income Chicago neighborhoods, by providing affordable home improvement loans.