SPEAKER INDEX    CONTENTS   INSERTS   
ALLEN           22     28     39     48     50     51     52     54     56  
BACHUS           1      5      6      8     11     12     13     14     16  
                18     19     20     21     22     27     28     39     45  
                47     50     51     52     54     55  
BROWNE          22     34     39     49     50     51     52     53  
CARSON          14     15     16  
GREEN           18     19  
HILLMAN          7      8     12     13     14     15     16     17     19  
                20     21  
INSLEE          46     47  
KATZ            40     46     47     49     53     54  
LEE             48     49     50  
MOORE            6  
ROUKEMA          5      6     16     17     18  
VAUGHN          22     55  
WONG            12     16     18  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF RICHARD J. HILLMAN, ASSOCIATE DIRECTOR, FINANCIAL INSTITUTIONS AND MARKETS ISSUES, 
GENERAL GOVERNMENT DIVISION, U.S. GENERAL ACCOUNTING OFFICE, ACCOMPANIED BY KANE WONG, ASSISTANT 
DIRECTOR, SAN FRANCISCO REGIONAL OFFICE
                                                                 PAGE     6

STATEMENT OF MICHAEL H. VAUGHN, EXECUTIVE VICE PRESIDENT, SBS CORPORATION, BIRMINGHAM, AL
                                                                 PAGE    22

STATEMENT OF CATHERINE A. ALLEN, CHIEF EXECUTIVE OFFICER, BITS, THE FINANCIAL SERVICES ROUNDTABLEE
                                                                 PAGE    27

STATEMENT OF PETER A. BROWNE, SENIOR VICE PRESIDENT AND DIVISION HEAD, FIRST UNION CORPORATION
                                                                 PAGE    34

STATEMENT OF STEPHEN R. KATZ, CHIEF INFORMATION OFFICER, CITIGROUP
                                                                 PAGE    40


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING