SPEAKER INDEX CONTENTS INSERTS BENTSEN 48 64 65 66 BIGGERT 31 32 33 34 61 62 63 CAPUANO 25 GENSLER 10 19 20 21 27 28 30 31 34 35 39 40 41 42 GONZALEZ 24 29 31 INSLEE 24 JENNINGS 52 JONES 25 KELLY 8 25 26 27 28 29 55 56 57 58 59 LAFALCE 4 18 19 20 21 22 23 LAZIO 39 55 LEACH 1 5 7 9 10 14 18 23 24 25 29 31 34 38 39 41 42 45 48 49 51 55 59 61 64 66 67 MALONEY 29 40 41 MASCARA 24 MEHOS 49 55 METCALF 7 25 MEYER 14 19 21 22 23 24 25 26 27 28 32 33 35 36 37 38 42 MOORE 24 ROUKEMA 6 23 24 SCHAKOWSKY 41 66 STONE 45 57 58 59 64 65 66 TANNENBAUM 43 56 61 62 63 WATERS 34 35 36 37 38 39 42 WATT 41 59 CONTENTS SPEAKERS INSERTS STATEMENT OF HON. GARY GENSLER, UNDER SECRETARY FOR DOMESTIC FINANCE, TREASURY DEPARTMENT PAGE 10 STATEMENT OF HON. LAURENCE H. MEYER, MEMBER, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM PAGE 14 STATEMENT OF CARL R. TANNENBAUM, SENIOR VICE PRESIDENT AND CHIEF ECONOMIST FOR TREASURY RESEARCH, LASALLE BANKS, CHICAGO, IL; CHAIRMAN OF THE ECONOMIC ADVISORY COMMITTEE, AMERICAN BANKERS ASSOCIATION PAGE 42 STATEMENT OF A. PIERCE STONE, PRESIDENT AND CEO OF VIRGINIA COMMUNITY BANK, LOUISA, VA, ON BEHALF OF THE INDEPENDENT COMMUNITY BANKERS OF AMERICA PAGE 45 STATEMENT OF MANUEL J. MEHOS, CHAIRMAN, PRESIDENT AND CEO, COASTAL BANC, HOUSTON, TX, ON BEHALF OF AMERICA'S COMMUNITY BANKERS PAGE 49 STATEMENT OF THOMAS P. JENNINGS, SENIOR VICE PRESIDENT AND GENERAL COUNSEL, FIRST VIRGINIA BANKS, INC., ON BEHALF OF THE FINANCIAL SERVICES ROUNDTABLE PAGE 51 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING