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