SPEAKER INDEX CONTENTS INSERTS ARNOLD 67 71 72 74 75 76 BROCK 46 58 D'AMOURS 26 36 39 42 44 GIANNI 50 60 KELLEY 8 32 33 35 38 39 41 43 LAFALCE 3 LEACH 1 6 7 8 12 17 21 26 28 31 32 34 35 37 38 39 40 41 43 44 45 50 53 54 58 59 60 63 67 70 71 72 73 74 75 76 MAYS 54 59 MCTAGGART 28 40 42 44 METCALF 7 37 38 ROTH 63 71 73 ROUKEMA 6 SEIDMAN 21 36 40 42 44 TANOUE 17 36 43 VELAZQUEZ 35 36 37 WILLIAMS 13 32 37 39 40 41 43 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. EDWARD W. KELLEY, JR., MEMBER, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM PAGE 8 STATEMENT OF HON. JULIE L. WILLIAMS, ACTING COMPTROLLER, OFFICE OF THE COMPTROLLER OF THE CURRENCY PAGE 13 STATEMENT OF HON. DONNA TANOUE, CHAIRMAN, FEDERAL DEPOSIT INSURANCE CORPORATION PAGE 17 STATEMENT OF HON. ELLEN SEIDMAN, DIRECTOR, OFFICE OF THRIFT SUPERVISION PAGE 21 STATEMENT OF HON. NORMAN E. D'AMOURS, CHAIRMAN, NATIONAL CREDIT UNION ADMINISTRATION PAGE 26 STATEMENT OF TIMOTHY R. McTAGGART, BANKING COMMISSIONER, STATE OF DELAWARE, ON BEHALF OF THE CONFERENCE OF STATE BANK SUPERVISORS PAGE 28 STATEMENT OF JACK. L. BROCK, JR., DIRECTOR, GOVERNMENTWIDE AND DEFENSE INFORMATION SYSTEMS, GENERAL ACCOUNTING OFFICE PAGE 45 STATEMENT OF GASTON L. GIANNI, JR., INSPECTOR GENERAL, FEDERAL DEPOSIT INSURANCE CORPORATION REPRESENTING THE FFIEC INSPECTORS GENERAL PAGE 50 STATEMENT OF JAMES W. MAYS, VICE PRESIDENT AND YEAR 2000 MANAGER, FIRST TENNESSEE BANK N.A., ON BEHALF OF THE AMERICAN BANKERS ASSOCIATION PAGE 54 STATEMENT OF A. GERARD ROTH, VICE PRESIDENT, TECHNOLOGY PROGRAMS, GTE TECHNOLOGY AND SYSTEMS, ON BEHALF OF THE TELCO YEAR 2000 FORUM PAGE 63 STATEMENT OF JON ARNOLD, CHIEF TECHNOLOGY OFFICER, THE EDISON ELECTRIC INSTITUTE, ON BEHALF OF THE NORTH AMERICAN ELECTRIC RELIABILITY COUNCIL PAGE 67 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING