SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS           7     31     32     33     34     35     36     37     47  
CALAHAN         50     65     66     67     68     69     70     71     77  
                78     79     80  
DONAHUE         73     83  
ENGLAND-JOSEPH    49     54     65     67     69     74     76     81  
HAWKE           11     23     24     25     31     34     37     42     43  
                46     47     48  
JONES           22     27     28     30     32     33     35     42     43  
                44     45     46  
KELLY           41     42  
KILPATRICK      10     38     39     40     41  
LAZAR           17     18     19     26     27     38     39     40     41  
MOLNAR          58     67     68     69     72  
ROSENTHAL       61     75     76     82  
ROUKEMA          1      4      7      9     10     17     18     19     22  
                23     24     25     26     30     37     41     42     46  
                47     48     49     50     54     57     60     61     64  
                65     66     67     68     69     70     78     79     80  
                81     83  
SCHINDEL        71  
SHERMAN         42     43     44     45     46     48  
VENTO            3      4     27     28     30     35     36     37     41  
                45     46     70     71     72     73     74     75     76  
                77     78     79     80     81     82     83  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. JOHN D. HAWKE JR., UNDER SECRETARY FOR DOMESTIC FINANCE, DEPARTMENT OF THE 
TREASURY
                                                                 PAGE    11

STATEMENT OF ELLEN W. LAZAR, DIRECTOR, COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS FUND, 
ACCOMPANIED BY PAUL GENTILLE, DEPUTY DIRECTOR FOR MANAGEMENT/CHIEF FINANCIAL OFFICER, AND MAURICE 
JONES, DEPUTY DIRECTOR FOR POLICY AND PROGRAMS 
                                                                 PAGE    17

STATEMENT OF RICHARD B. CALAHAN, DEPUTY INSPECTOR GENERAL, DEPARTMENT OF THE TREASURY, OFFICE OF 
INSPECTOR GENERAL, ACCOMPANIED BY DENNIS SCHINDEL, ASSISTANT INSPECTOR GENERAL FOR AUDIT
                                                                 PAGE    50

STATEMENT OF JUDY A. ENGLAND-JOSEPH, DIRECTOR OF HOUSING AND COMMUNITY DEVELOPMENT ISSUES, 
RESOURCES, COMMUNITY AND ECONOMIC DEVELOPMENT, GENERAL ACCOUNTING OFFICE, ACCOMPANIED BY PATRICIA 
DONAHUE
                                                                 PAGE    54

STATEMENT OF KARYN L. MOLNAR, PARTNER, KPMG PEAT MARWICK LLP
                                                                 PAGE    58

STATEMENT OF CLIFFORD ROSENTHAL, ON BEHALF OF THE COALITION OF COMMUNITY DEVELOPMENT FINANCIAL 
INSTITUTIONS 
                                                                 PAGE    60


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING