SPEAKER INDEX Segment 1 of 2 Next Segment (2) CONTENTS INSERTS BACHUS 12 43 44 45 46 47 48 BAKER 34 36 37 38 39 89 90 91 92 93 94 95 BENTSEN 39 40 41 42 43 85 87 88 89 105 106 107 108 109 BOTHWELL 13 20 21 23 24 25 26 28 29 30 31 32 33 36 37 38 39 40 41 42 43 44 45 46 47 49 50 51 52 54 55 56 COOK 49 50 FLAKE 11 HILL 48 81 83 84 85 113 115 117 HOOLEY 48 50 KELLY 9 KILPATRICK 76 78 LAFALCE 3 23 24 25 LEACH 1 5 7 9 10 11 12 13 19 20 21 22 25 29 34 39 43 48 50 51 53 56 60 64 68 72 73 74 75 76 77 78 81 85 89 93 95 98 100 105 109 110 113 117 118 119 120 121 MANZULLO 53 55 56 MCCONNELL 57 75 76 82 83 86 87 88 89 91 92 101 102 109 110 111 112 113 114 115 116 119 120 121 MCCOOL 26 27 43 NEY 48 51 52 RILEY 48 78 80 81 109 110 111 112 113 ROUKEMA 5 25 26 27 28 29 100 101 102 103 104 SCHOSBERG 64 65 72 74 84 92 93 98 116 SONES 60 74 79 80 83 84 94 95 108 112 113 115 118 119 121 UHLICK 68 103 104 106 107 108 VENTO 7 9 29 30 31 32 33 CONTENTS SPEAKERS INSERTS STATEMENT OF MR. JAMES L. BOTHWELL, CHIEF ECONOMIST, GENERAL ACCOUNTING OFFICE ACCOMPANIED BY MR. TOM McCOOL AND MR. SCOTT SMITH PAGE 13 STATEMENT OF MR. WILLIAM T. McCONNELL, CHAIRMAN AND CEO, PARK NATIONAL CORPORATION AND PRESIDENT-ELECT, AMERICAN BANKERS ASSOCIATION PAGE 57 STATEMENT OF MR. BILL SONES, PRESIDENT AND CEO, STATE BANK AND TRUST COMPANY AND PRESIDENT OF THE INDEPENDENT BANKERS ASSOCIATION OF AMERICA PAGE 60 STATEMENT OF MR. PAUL A. SCHOSBERG, PRESIDENT, AMERICA'S COMMUNITY BANKERS PAGE 65 STATEMENT OF MR. LAWRENCE R. UHLICK, EXECUTIVE DIRECTOR AND GENERAL COUNSEL, INSTITUTE OF INTERNATIONAL BANKERS PAGE 68 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING