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