SPEAKER INDEX    Segment 1 of 3    Next Segment (2)
CONTENTS   INSERTS   
BAKER            9     44     45     46     47     48    107    108    109  
BEARD           88    104    105    106    115    116    121    132    151  
               152  
BENTSEN         60     61     62     63    128    129    130    131    132  
               133  
BIGGERT        142    143    144  
CREIGHTON      167    174    178    179    188  
FINK            92    116    121    122    148    149  
GONZALEZ       151  
GREEN          144    145  
GREENWOOD      153    175    176    177    178    187    188    192    199  
HILL            63     64     65     66     67    123    124    125    126  
               127    128    182    183    184    185    186    187    189  
HUBER           24     30     40     46     47     59     64     65     66  
                67     72     73     75  
INSLEE          69  
JONES           69     70     73     80    111    112    114    120    121  
               129    130    132    137    138    139    140    141    142  
               147    189    190    191    192    193    194    195    196  
               197    198    200    201  
KANJORSKI       10     44     48  
KELLY           57     58     59     60    114    115    116    117    119  
KILBRIDE       163    195    196    197    198    199  
KOMANSKY        12     29     34     38     42     47     48     52     58  
                59     61  
LAFALCE          2     30     32     33     36     54     73    106    146  
               147    148    149    150    151  
LEACH            1      5      7      9     10     12     15     18     24  
                28     30     33     37     40     43     44     48     51  
                53     56     57     60     63     67     69     71     73  
                75     76     80     83     84     88     92     96    102  
               105    106    109    113    119    123    128    129    133  
               137    140    142    144    145    151    152    156    159  
               163    166    170    174    175    176    179    182    184  
               189    194    198    200    201  
MCCOLLUM        33     34     35     36  
MCCOY           18     30     32     33     36     43     46     54     55  
                56     59     63     68     70  
MCQUILLAN       84    108    109    114    119    120    121    122    123  
               131    136    141    147    148  
MENEFEE        171    183    185    186    191  
PATTERSON       15     30     35     42     45     53     58     60     62  
POPE           156    179    180    181    184    185    187    193    194  
RHULEN         160    182    185    188    189    190    192    193    197  
               201  
ROUKEMA          5     40     42     43  
ROYCE           51     53  
RYAN            72     73  
SHERMAN         67     68  
SMITH           96    112    116    117    121    122    124    125    126  
               127    134    135    136    143    144    145    150    151  
SWEENEY        133    135    136    137    198    199    200  
VENTO            7     37     39     40    109    111    112    113  
WATT            53     54     55     56     57    119    120    121    122  
               123    176    177    178    179    180    181    182    183  
               184  
ZUCKERBERG      76  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF DAVID H. KOMANSKY, CHAIRMAN AND CEO, MERRILL LYNCH & CO., INC.
                                                                 PAGE    12

STATEMENT OF MICHAEL E. PATTERSON, VICE CHAIRMAN, J.P. MORGAN & CO. AND CHAIRMAN, FINANCIAL 
SERVICES COUNCIL
                                                                 PAGE    15

STATEMENT OF JOHN B. McCOY, PRESIDENT AND CEO, BANK ONE CORPORATION
                                                                 PAGE    18

STATEMENT OF RICHARD L. HUBER, CHAIRMAN, PRESIDENT, AND CEO, AETNA INC. 
                                                                 PAGE    24

STATEMENT OF ROY J. ZUCKERBERG, LIMITED PARTNER, GOLDMAN, SACHS & CO., AND CHAIRMAN, SECURITIES 
INDUSTRY ASSOCIATION
                                                                 PAGE    76

STATEMENT OF R. SCOTT JONES, CHAIRMAN AND CEO, GOODHUE COUNTY NATIONAL BANK, RED WING, MN, AND 
PRESIDENT, AMERICAN BANKERS ASSOCIATION
                                                                 PAGE    80

STATEMENT OF WILLIAM L. McQUILLAN, CHAIRMAN, PRESIDENT, AND CEO, THE CITY NATIONAL BANK, GREELEY, 
NE, AND PRESIDENT, INDEPENDENT BANKERS ASSOCIATION OF AMERICA
                                                                 PAGE    84

STATEMENT OF E. LEE BEARD, PRESIDENT AND CEO, FIRST FEDERAL BANK, HAZLETON, PA, AND CHAIR, 
AMERICA'S COMMUNITY BANKERS
                                                                 PAGE    88

STATEMENT OF MATTHEW P. FINK, PRESIDENT, INVESTMENT COMPANY INSTITUTE
                                                                 PAGE    92

STATEMENT OF MICHAEL P. SMITH, PRESIDENT, NEW YORK BANKERS ASSOCIATION 
                                                                 PAGE    96

STATEMENT OF WILLIAM B. GREENWOOD, PRESIDENT, LAWTON INSURANCE, CENTRAL CITY, KY, AND PRESIDENT, 
INDEPENDENT INSURANCE AGENTS OF AMERICA
                                                                 PAGE   153

STATEMENT OF MARK A. POPE, VICE PRESIDENT AND DIRECTOR OF FEDERAL RELATIONS, LINCOLN NATIONAL 
CORPORATION, FORT WAYNE, IN, ON BEHALF OF THE AMERICAN COUNCIL OF LIFE INSURANCE
                                                                 PAGE   156

STATEMENT OF HARRY RHULEN, CHAIRMAN, PRESIDENT AND CEO, FRONTIER INSURANCE GROUP INC., ROCK HILL, 
NY, ON BEHALF OF THE AMERICAN INSURANCE ASSOCIATION
                                                                 PAGE   159

STATEMENT OF JAMES J. KILBRIDE, CHAIRMAN AND CEO, MORSE, PAYSON & NOYES INSURANCE, PORTLAND, ME, 
AND CHAIRMAN, COUNCIL OF INSURANCE AGENTS AND BROKERS
                                                                 PAGE   163

STATEMENT OF DAVID O. CREIGHTON, SR., PRESIDENT, BRYTON COMPANIES, WEST DES MOINES, IA, ON BEHALF 
OF THE NATIONAL ASSOCIATION OF PROFESSIONAL INSURANCE AGENTS 
                                                                 PAGE   166

STATEMENT OF W. NEAL MENEFEE, PRESIDENT AND CEO, ROCKINGHAM MUTUAL INSURANCE GROUP, ON BEHALF OF 
THE NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES
                                                                 PAGE   170


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING