SPEAKER INDEX CONTENTS INSERTS BAER 20 27 29 31 32 33 35 36 FITZGERALD 41 50 56 59 62 ISAAC 64 89 90 91 93 94 95 100 101 107 108 JOHNSON 37 48 51 52 53 54 57 58 62 LAFALCE 9 MALONEY 12 28 29 30 31 32 33 34 54 55 56 57 58 59 60 96 98 99 101 102 103 104 105 106 107 108 MAYER 74 83 88 93 94 95 96 97 98 99 102 106 109 RILEY 52 53 54 ROUKEMA 1 2 12 14 15 20 24 25 26 27 28 30 34 35 36 40 43 47 49 50 51 52 60 61 62 74 83 88 90 91 92 93 94 95 96 104 105 106 109 SHEEHAN 43 50 53 55 56 59 62 TANOUE 17 25 26 29 30 32 33 34 35 36 THOMAS 83 91 92 95 97 101 108 VOICES 14 WATT 61 WELDON 60 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. DONNA TANOUE, CHAIRMAN, FEDERAL DEPOSIT INSURANCE CORPORATION PAGE 16 STATEMENT OF HON. GREGORY A. BAER, ASSISTANT SECRETARY FOR FINANCIAL INSTITUTIONS, DEPARTMENT OF THE TREASURY PAGE 20 STATEMENT OF HJALMA E. JOHNSON, CHAIRMAN AND CEO, EAST COAST BANK CORPORATION, DADE CITY, FLORIDA, ON BEHALF OF THE AMERICAN BANKERS ASSOCIATION PAGE 37 STATEMENT OF WILLIAM A. FITZGERALD, CHAIRMAN AND CEO, COMMERCIAL FEDERAL BANK, OMAHA, NE, ON BEHALF OF AMERICA'S COMMUNITY BANKERS PAGE 40 STATEMENT OF THOMAS J. SHEEHAN, PRESIDENT, CHAIRMAN AND CEO, GRAFTON STATE BANK, GRAFTON, WI, ON BEHALF OF THE INDEPENDENT COMMUNITY BANKERS OF AMERICA PAGE 43 STATEMENT OF WILLIAM M. ISAAC, CHAIRMAN, THE SECURA GROUP AND SECURA BURNETT COMPANY PAGE 64 STATEMENT OF MARTIN MAYER, GUEST SCHOLAR, THE BROOKINGS INSTITUTION PAGE 74 STATEMENT OF KENNETH H. THOMAS, Ph.D., LECTURER ON FINANCE, THE WHARTON SCHOOL, UNIVERSITY OF PENNSYLVANIA, PHILADELPHIA, PA PAGE 83 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING