SPEAKER INDEX    CONTENTS   INSERTS   
ABBATE          73     82     85     86     89     90     91     92  
BEARD           77     86     87     88     93  
BENTSEN         61     62     63     64  
BEREUTER         9  
BUCK            34     56     57     66  
CARNELL         23     45     47     49     53     54     61     63     64  
                65  
CUNNINGHAM      99  
FOSSELLA        65     67  
HAMMOCK         94     96     97     98     99  
KANJORSKI       68  
KELLY           15     18  
MCCOLLUM        19     21  
MCTAGGART       42  
METCALF         10     11     58     59     60     61     87     88     89  
                90     91     97    112  
MEYER           27     47     51     52     58     59     60     62     67  
MONTGOMERY      99  
ROUKEMA          1      9     11     15     18     19     21     22     23  
                26     29     33     38     41     44     47     48     49  
                56     58     61     65     67     69     72     77     81  
                82     87     92     93     94     96     97     98     99  
               102    103    106    108    111    112  
SAUNDERS       103    109    110    111  
SMITH           70     84     85     87     88     89     91     93  
TANOUE          38     48     50  
VENTO            7     50     51     53     54     55     56     57     83  
                84     85     86     98    107    108    110    111  
WILLIAMS        30     55     66  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF THE HON. JACK METCALF, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF WASHINGTON 
                                                                 PAGE    10

STATEMENT OF HON. SUE W. KELLY, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF NEW YORK 
                                                                 PAGE    15

STATEMENT OF HON. BILL McCOLLUM, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF FLORIDA 
                                                                 PAGE    18

STATEMENT OF HON. RICHARD S. CARNELL, ASSISTANT SECRETARY FOR FINANCIAL INSTITUTIONS, DEPARTMENT 
OF THE TREASURY
                                                                 PAGE    23

STATEMENT OF HON. LAURENCE H. MEYER, MEMBER, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM
                                                                 PAGE    26

STATEMENT OF HON. JULIE L. WILLIAMS, ACTING COMPTROLLER, OFFICE OF THE COMPTROLLER OF THE CURRENCY
                                                                 PAGE    30

STATEMENT OF CAROLYN BUCK, CHIEF COUNSEL, OFFICE OF THRIFT SUPERVISION 
                                                                 PAGE    34

STATEMENT OF HON. DONNA TANOUE, CHAIRMAN, FEDERAL DEPOSIT INSURANCE CORPORATION
                                                                 PAGE    38

STATEMENT OF HON. TIMOTHY R. McTAGGART, BANK COMMISSIONER, STATE OF DELAWARE, ON BEHALF OF THE 
CONFERENCE OF STATE BANK SUPERVISORS 
                                                                 PAGE    42

STATEMENT OF JAMES E. SMITH, PRESIDENT AND CEO, UNION STATE BANK & TRUST, CLINTON, MO, ON BEHALF 
OF THE AMERICAN BANKERS ASSOCIATION
                                                                 PAGE    70

STATEMENT OF ANTHONY S. ABBATE, PRESIDENT AND CEO, INTERCHANGE BANK, SADDLE BROOK, NJ, ON BEHALF 
OF THE INDEPENDENT BANKERS ASSOCIATION OF AMERICA
                                                                 PAGE    73

STATEMENT OF E. LEE BEARD, PRESIDENT AND CEO, FIRST FEDERAL BANK, HAZELTON, PA, ON BEHALF OF 
AMERICA'S COMMUNITY BANKERS 
                                                                 PAGE    77

STATEMENT OF REX HAMMOCK, HAMMOCK PUBLISHING, NASHVILLE, TN, ON BEHALF OF THE NATIONAL FEDERATION 
OF INDEPENDENT BUSINESS
                                                                 PAGE    94

STATEMENT OF ARTHUR R. CUNNINGHAM, SENIOR ASSISTANT TREASURER, PIONEER HI-BRED, INC., JOHNSTON, 
IA, ON BEHALF OF THE TREASURY MANAGEMENT ASSOCIATION
                                                                 PAGE    99

STATEMENT OF MARGOT SAUNDERS, MANAGING ATTORNEY, NATIONAL CONSUMER LAW CENTER, INC. 
                                                                 PAGE   103


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING