SPEAKER INDEX    CONTENTS   INSERTS   
BEREUTER        11     12     34     35     36     37     70     71     72  
                73     74     75     76  
ELY             61     68     69     70     71     74     75     76     78  
EVERSON         58     65     71     75  
GONZALEZ        14  
LAFALCE          7     26     27     28     29     30     31     32     33  
LEACH            1      2      9     10     11     14     15     16     17  
                21     22     25     34     37     42     45     48     50  
                53     57     61     65     66     67     68     69     70  
                75     77     79  
MALONEY         45     46     47     48  
REYNA           15     16     17     21     22     24     25     26     27  
                28     29     30     31     32     33     34     35     36  
                38     39     40     41     42     44     45     46     47  
                49     52  
ROUKEMA          9  
SWEENEY         43     44     45  
TERRY           48     49     50  
TORPEY          54     65     66     67     68     73     74     75  
WATERS          10     37     39     40     41  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. MICHAEL M. REYNA, CHAIRMAN AND CHIEF EXECUTIVE OFFICER, FARM CREDIT 
ADMINISTRATION
                                                                 PAGE    15

STATEMENT OF DALE TORPEY, PRESIDENT, COMMUNITY STATE BANK, WEST BRANCH, IA, ON BEHALF OF THE 
INDEPENDENT COMMUNITY BANKERS OF AMERICA
                                                                 PAGE    53

STATEMENT OF DENNIS A. EVERSON, SENIOR VICE PRESIDENT, FIRST DAKOTA NATIONAL BANK, YANKTON, SD, ON 
BEHALF OF THE AMERICAN BANKERS ASSOCIATION
                                                                 PAGE    57

STATEMENT OF BERT ELY, FINANCIAL INSTITUTIONS AND MONETARY POLICY CONSULTANT, ELY & COMPANY, INC., 
ALEXANDRIA, VA
                                                                 PAGE    61


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING