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