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