SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS           1      5      6      7      8      9     10     11     14  
                18     19     21     25     27     30     33     35     38  
                40     43     44     45     46     47     50     53     56  
                59     61     64     67     70     73     74     75     10  
BENTSEN         10     30     32     61     62     63     64  
BIGGERT         28     29  
BOCHNOWSKI      48     50     53     59     63     66     68     69     71  
                72  
CANTOR           9     18     19     59     61  
CARSON           6     25     26     27  
GULLEDGE        57     60     62     68  
HAMMOND         14     18     19     20     22     23     24     26     27  
                28     29     34     37     38     39     40     41     42  
                43     45     46  
HART             9     33     34     35     67     68     70  
JENNINGS        47     54     60     67     68     70     75  
KELLY            7     38     39     40     71     72     73  
MEYER           12     20     21     22     23     24     25     26     27  
                29     31     32     33     34     35     36     38     39  
                42     44     45     46  
OXLEY           10     11  
ROGERS          40     41     42     43     73     74  
SMITH           48     60     62     63     65     67     68     69     71  
                73     74  
TIBERI          43  
TOOMEY           5     22     23     24     64     65     67  
WATERS           4     19     20     21  
WATT            11     35     36     37     38  
WELDON          44  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. LAURENCE H. MEYER, MEMBER, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM
                                                                 PAGE    12

STATEMENT OF DONALD V. HAMMOND, ACTING UNDER SECRETARY FOR DOMESTIC FINANCE, DEPARTMENT OF THE 
TREASURY
                                                                 PAGE    14

STATEMENT OF JAMES E. SMITH, CHAIRMAN AND CHIEF EXECUTIVE OFFICER, CITIZENS UNION STATE BANK AND 
TRUST, CLINTON, MI; PRESIDENT-ELECT OF THE AMERICAN BANKERS ASSOCIATION
                                                                 PAGE    48

STATEMENT OF DAVID A. BOCHNOWSKI, CHAIRMAN AND CHIEF EXECUTIVE OFFICER, PEOPLES BANK OF MUNSTER, 
IN; CHAIRMAN, AMERICA'S COMMUNITY BANKERS
                                                                 PAGE    50

STATEMENT OF THOMAS P. JENNINGS, SENIOR VICE PRESIDENT AND GENERAL COUNSEL, FIRST VIRGINIA BANKS 
ON BEHALF OF THE FINANCIAL SERVICES ROUNDTABLE
                                                                 PAGE    53

STATEMENT OF ROBERT I. GULLEDGE, PRESIDENT AND CHIEF EXECUTIVE OFFICER, CITIZENS BANK OF 
ROBERTSDALE, AL; CHAIRMAN, INDEPENDENT COMMUNITY BANKERS OF AMERICA
                                                                 PAGE    56


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING