SPEAKER INDEX    CONTENTS   INSERTS   
ANDERSON        79    100    102    103    104    108    109    112  
BARTON          82    104    110  
BENTSEN         59     60     61     62     63     75     76  
BIGGERT         52     54  
BURKE           28     40     41     44     45     48     56     60  
CASEY           95    101    107    109  
COOK            12     47     48     49  
D'AMOURS        26     36     37     56     65     66     67     69     70  
                71     72  
GONZALES       104  
GONZALEZ        63     77    107    114  
GURETZKY        88     90    101    105  
HAWKE           20     42     43     47     50     51     54     57     61  
                64     65     66     74  
HOOLEY          49     50     51  
INSLEE          54     55     56  
JONES           64     65     66     67     69     78    107    108    109  
               110  
KANJORSKI       69     70     71     72  
KELLEY          13     32     33     34     38     43     44     45     46  
                53     55     61     63     75     76  
LAFALCE          5     34     35     36     37  
LEACH            1     10     11     12     13     17     20     22     26  
                28     31     32     33     34     39     40     41     46  
                49     51     54     56     59     63     69     73     74  
                75     76     77     78     82     85     88     90     91  
                95     99    100    101    104    107    110    112    114  
LUCAS           39     40     41  
METCALF         10  
REARDON         91    106  
REDMOND         85    100    105  
SANDLIN        102    103    112  
SCHAKOWSKY      57     58     59  
SEIDMAN         23     35     36     39     48     56     58     59     68  
TANOUE          17     31     49     68     69  
VENTO           11     41     43     44     45     46  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. EDWARD W. KELLEY, JR., MEMBER, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM
                                                                 PAGE    13

STATEMENT OF HON. DONNA TANOUE, CHAIRMAN, FEDERAL DEPOSIT INSURANCE CORPORATION
                                                                 PAGE    17

STATEMENT OF HON. JOHN D. HAWKE, JR., COMPTROLLER OF THE CURRENCY, OFFICE OF THE COMPTROLLER OF 
THE CURRENCY
                                                                 PAGE    20

STATEMENT OF HON. ELLEN SEIDMAN, DIRECTOR, OFFICE OF THRIFT SUPERVISION
                                                                 PAGE    22

STATEMENT OF HON. NORMAN E. D'AMOURS, CHAIRMAN, NATIONAL CREDIT UNION ADMINISTRATION
                                                                 PAGE    26

STATEMENT OF HON. JOHN P. BURKE, BANKING COMMISSIONER, CONNECTICUT DEPARTMENT OF BANKING, AND 
CHAIRMAN, CONFERENCE OF STATE BANK SUPERVISORS 
                                                                 PAGE    28

STATEMENT OF A. SCOTT ANDERSON, PRESIDENT AND CHIEF EXECUTIVE OFFICER, ZIONS FIRST NATIONAL BANK, 
SALT LAKE CITY, UT, ON BEHALF OF THE AMERICAN BANKERS ASSOCIATION
                                                                 PAGE    79

STATEMENT OF LOUIS L. BARTON, PROGRAM DIRECTOR FOR YEAR 2000, FROST NATIONAL BANK, SAN ANTONIO, TX
                                                                 PAGE    82

STATEMENT OF PATRICK REDMOND, PRESIDENT AND CHIEF EXECUTIVE OFFICER, VIKING COMMUNITY BANK, 
SEATTLE, WA
                                                                 PAGE    85

STATEMENT OF JAMES A. GURETZKY, PRESIDENT AND CEO, SAC FEDERAL CREDIT UNION, OMAHA, NE, ON BEHALF 
OF THE NATIONAL ASSOCIATION OF FEDERAL CREDIT UNIONS
                                                                 PAGE    88

STATEMENT OF RALPH REARDON, SENIOR VICE PRESIDENT AND CHIEF FINANCIAL OFFICER, COASTAL FEDERAL 
CREDIT UNION, RALEIGH, NC, ON BEHALF OF CREDIT UNION NATIONAL ASSOCIATION
                                                                 PAGE    91

STATEMENT OF DIANE M. CASEY, MANAGING PARTNER, FINANCIAL SERVICES, GRANT THORNTON LLP 
                                                                 PAGE    95


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING