SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS           1      5      7     10     13     17     18     19     20  
                22     24     25     27     30     31     32     33     39  
                40     42     43     46     49     53     54     55     59  
                60     62     66     68     73     77     78     81  
BAKER            5      7     35     37  
BENTSEN         33     34     35     73     75     76     77  
BOCHNOWSKI      46     54     63     65     66     67     68     69     70  
                73     75     77     78     79     80     81  
CARNS           25  
CARSON          10  
CROWLEY         78     79     80     81  
GILLMOR         22     23     24  
GRUCCI          32  
GULLEDGE        50     54     55     63     64     76     78  
HART            31  
HINOJOSA        37     38  
HOOLEY          30     31  
KELLY           62  
LAFALCE          7  
MALONEY         40     41     42     77     78  
MOORE           37  
ROUKEMA         32     33  
SMITH           44     53     54     56     57     58     59     61     68  
                69     70     71     74     75     77  
TANOUE          13     17     18     19     20     21     22     23     24  
                25     26     27     28     29     30     31     32     33  
                34     35     36     38     39     40     41     42     43  
WATERS           4     20     55     56     57     58     59     60     62  
WATT            25     26     27     42     43     57     65     68     69  
                70     71     72  
WELDON          22     28     29     30     62     63     64     65     66  
                67  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. DONNA TANOUE, CHAIRMAN, FEDERAL DEPOSIT INSURANCE CORPORATION
                                                                 PAGE    13

STATEMENT OF JAMES E. SMITH, CHAIRMAN AND CEO, CITIZENS UNION STATE BANK AND TRUST, CLINTON, MO; 
PRESIDENT-ELECT OF THE AMERICAN BANKERS ASSOCIATION
                                                                 PAGE    44

STATEMENT OF DAVID BOCHNOWSKI, CHAIRMAN AND CEO, PEOPLES BANK, MUNSTER IN; CHAIRMAN, AMERICA'S 
COMMUNITY BANKERS
                                                                 PAGE    46

STATEMENT OF ROBERT I. GULLEDGE, PRESIDENT AND CEO, CITIZENS BANK, ROBERTSDALE, AL; CHAIRMAN, 
INDEPENDENT COMMUNITY BANKERS OF AMERICA
                                                                 PAGE    49


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING