SPEAKER INDEX    CONTENTS   INSERTS   
ANTONAKES       97    109    112  
BACHUS           1      2      3      4      5      9     10     12     16  
                19     22     23     24     25     26     27     30     34  
                35     37     41     45     47     49     52     53     57  
                59     60     61     62     63     65     70     71     74  
                78     79     81     83     84     88     90     93     94  
                97    100  
BALDWIN         17     24     25     30     51     52  
CAMPANELLI      53     57     65     74     75     88  
CAPUANO          5     37     38     39     40     41     71     72     73  
                74    106  
COFIELD          5     12     26     31     40     42     43     44     45  
                46     47     51  
FINUCANE        52     53     60     61     62     63     64     69     72  
                74     75     76     77     78     79     80     81     82  
                83     84     85     86     87     88  
FLYNN            5     23     24     29     31     32     33     38     39  
                40     41     43     47     52    105  
FRANK            2      4      5     10     27     28     29     30     51  
                66     67     69     89     93     97    100    101    103  
               106    108    111    113    114    115  
HAGINS           9     10     33     39     50     51  
LEE             49     51     52     81     82     83    108    110    111  
               113  
LYNCH           48     63     64     65  
MEEKS           41     43     44     75     78     79     80     81    111  
               112  
MURPHY           5     31     32     33  
NUCIFORO        93     94    103    105    109    110    112  
QUINN           90    105    110  
THALL           19  
TIERNEY         45     46     47     84     85     86     87     88  
WATT             3     34     35     74     75     76     77     78    104  
               105    106    113  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF MAUREEN FLYNN, DEPUTY DIRECTOR, MASSACHUSETTS ASSOCIATION OF COMMUNITY DEVELOPMENT 
CORPORATIONS, INC.
                                                                 PAGE     5

STATEMENT OF FLORENCE HAGINS, ASSISTANT DIRECTOR, MASSACHUSETTS AFFORDABLE HOUSING ALLIANCE
                                                                 PAGE     9

STATEMENT OF JUAN M. COFIELD, PRESIDENT, NEW ENGLAND AREA CONFERENCE OF NAACP
                                                                 PAGE    12

STATEMENT OF IRENE BALDWIN, EXECUTIVE DIRECTOR, ASSOCIATION FOR NEIGHBORHOOD AND HOUSING 
DEVELOPMENT
                                                                 PAGE    16

STATEMENT OF MATHEW THALL, SENIOR PROGRAM DIRECTOR, LOCAL INITIATIVES SUPPORT CORPORATION
                                                                 PAGE    19

STATEMENT OF ANNE FINUCANE, PRESIDENT, NORTHEAST BANK OF AMERICA CORPORATION
                                                                 PAGE    53

STATEMENT OF JOSEPH P. CAMPANELLI, PRESIDENT AND CHIEF OPERATING OFFICER, SOVEREIGN BANK, NEW 
ENGLAND DIVISION, AND VICE CHAIRMAN OF SOVEREIGN BANKCORP, INC.
                                                                 PAGE    57

STATEMENT OF JOHN F. QUINN, REPRESENTATIVE, MASSACHUSETTS STATE HOUSE
                                                                 PAGE    90

STATEMENT OF ANDREA F. NUCIFORO, JR., SENATOR, MASSACHUSETTS STATE HOUSE
                                                                 PAGE    94

STATEMENT OF STEVEN L. ANTONAKES, COMMISSIONER OF BANKS, COMMONWEALTH OF MASSACHUSETTS
                                                                 PAGE    97


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING