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