What is the difference between these setter methods

What is the difference between these two setter methods??
<jsp:useBean id="checking" scope="session" class="bank.Checking" />
<jsp:setProperty name="checking" property="balance" value="0.0" /> and
<jsp:useBean id="checking" scope="session" class="bank.Checking" >
<jsp:setProperty name="checking" property="balance" value="0.0" />
</jsp:useBean>

Homework question?
The answer is on this page (Step 5)
http://java.sun.com/products/jsp/syntax/1.2/syntaxref1217.html#8865

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