SAN FRANCISCO (AP) - A number of banks are opening their doors for regular business New Year's Day, a move designed to ward off a last-minute dash for cash and other worries about Year 2000 computer glitches. "We've worked long and hard on getting our systems up to speed and Y2K-ready, and we don't expect any problems," said Scott Kisting, executive vice president at California Federal Bank, one of the nation's biggest savings and loans. "However, the Y2K issue has been such a hot topic in the press we can't ignore the fact that many people may have some concerns." This customer-comforting gesture has not been embraced by many large, nationwide banks, though many smaller regional banks have opted to keep some branches open Jan. 1.