SPEAKER INDEX    CONTENTS   INSERTS   
BAKER           47     48     50     51     59     60     61     62  
BARR            11  
BAUMANN        108    113    114    120    121    122    123    124    125  
               126    127    133  
BENTSEN         35     36     38     52     53     54     55    127    128  
               129    130    132    133  
GOLDSCHMID      17     28     30     31     34     35     36     37     38  
                39     41     43     44     45     46     47     48     49  
                50     51     52     54     55     56     57     60     61  
                62  
INSLEE          59  
KELLY           10     11     14     16     17     21     25     27     28  
                35     38     41     42     46     47     52     58     59  
                62     63     68     69     71     75     78     79     80  
                81     82     88     89     90     91     94     99    103  
               104    107    112    113    114    116    121    126    127  
               133    134  
LUCAS           21     25     27     29     30     33     40     41     42  
                43     44     45  
MALONEY         42     43     44     45     46  
MEYER           64     69     79     81     82     83     84     86     87  
                89     90     91     92     93     94  
RICCOBONO       75     80     81     82     84     88     89     94  
ROUKEMA          1      9     11  
RUSHTON         72     79     81     82     84     85     86     88     89  
                90     91     93  
SANBORN         99    103    115    117    118    131  
SCHROEDER       96    114    116    117    119    128    129    130    131  
SCHUETTE       104    112    118    119  
SHERMAN         14     39     41     42     58    122    123    124    125  
               126    127  
TANOUE          69     80     81     82     84     85     89     92     94  
VENTO            6     29     30     32     33     34     56     57     83  
                84     85     86     87     88     91     92     93     94  
               116    117    118    119    120    121  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HARVEY J. GOLDSCHMID, GENERAL COUNSEL, U.S. SECURITIES AND EXCHANGE COMMISSION
                                                                 PAGE    17

STATEMENT OF TIMOTHY S. LUCAS, DIRECTOR OF RESEARCH AND TECHNICAL ACTIVITIES, FINANCIAL ACCOUNTING 
STANDARDS BOARD; ACCOMPANIED BY LESLIE SEIDMAN, ASSISTANT DIRECTOR, AND SEAN LEONARD, PRACTICE 
FELLOW
                                                                 PAGE    21

STATEMENT OF HON. LAURENCE H. MEYER, MEMBER, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM
                                                                 PAGE    64

STATEMENT OF HON. DONNA TANOUE, CHAIRMAN, FEDERAL DEPOSIT INSURANCE CORPORATION
                                                                 PAGE    69

STATEMENT OF EMORY W. RUSHTON, SENIOR DEPUTY COMPTROLLER FOR BANK SUPERVISION POLICY, OFFICE OF 
THE COMPTROLLER OF THE CURRENCY
                                                                 PAGE    72

STATEMENT OF RICHARD M. RICCOBONO, DEPUTY DIRECTOR, OFFICE OF THRIFT SUPERVISION
                                                                 PAGE    75

STATEMENT OF R. HAROLD SCHROEDER, SENIOR EQUITY ANALYST, KEEFE, BRUYETTE & WOODS, INC.
                                                                 PAGE    96

STATEMENT OF ALLEN SANBORN, PRESIDENT AND CEO, ROBERT MORRIS ASSOCIATES
                                                                 PAGE    99

STATEMENT OF REX S. SCHUETTE, SENIOR VICE PRESIDENT AND CHIEF ACCOUNTING OFFICER OF FINANCE, STATE 
STREET CORPORATION, ON BEHALF OF THE AMERICAN BANKERS ASSOCIATION
                                                                 PAGE   104

STATEMENT OF MARTIN F. BAUMANN, CHAIRMAN, AICPA TASK FORCE ON LOAN LOSS RESERVES, PARTNER, 
PRICEWATERHOUSECOOPERS LLP
                                                                 PAGE   108


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING