LAGOS — Financial Trust Group has accused the Nigeria Deposit Insurance Corporation of withholding liquidation surpluses and dividends owed to the estate of its founder, W.O.O. Ajayi, since Financial Merchant Bank and Republic Bank were liquidated. The banks' licences were revoked in January 1994 and June 1995. The group is asking for an audited account and payment of what is due. The NDIC could not be reached for comment.