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