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 Call it the end of anarchy, the death of the frontier. Hackers were no longer considered romantic antiheroes, kooky eccentrics who just wanted to learn things. A burgeoning online economy with the promise of conducting the world's business over the Net needed protection. Suddenly hackers were crooks.

In the summer of 1994 a gang masterminded by a Russian hacker broke into Citibank's computers and made unauthorized transfers totaling more than $10 million from customers' accounts. Citibank recovered all but about $400,000, but the scare sealed the deal. The hackers' arrests created a fraud vacuum out there in cyberspace.

So who's out there now? With hackers keeping a low profile it's impossible to identify the vanguard of the next generation, or even to say whether teenagers have stepped back to make more room for greedy adults. But facts don't cease to exist just because they're ignored, as the writer Aldous Huxley once said. And there's a saying in the computer underground: If you're a good hacker, everyone knows your name. If you're a great hacker, no one knows who you are