SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS           1      4      8     11     12     15     19     20     21  
                22     23     24     30     34     38     40     41     45  
                46     47     48     49     50     51     53     54     55  
BAIR             4      8     12     20     23     25     26     33     35  
                38     39     45     48     50     53     54  
BEREUTER        30     31     32     34  
HART            38     39     40  
HAWKE           11     12     21     24     36     40     43     44     50  
                51     52     55  
MALONEY         34     35     36     38  
MEYER            5     20     23     26     31     32     35     39     40  
                41     42     43     47     48     53     54  
SEIDMAN         15     21     22     27     28     29     44     52  
TIBERI          45  
WATERS           3     24     25     26     27     29  
WATT            41     42     43     44     45  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. LAURENCE H. MEYER, MEMBER, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM
                                                                 PAGE     5

STATEMENT OF HON. SHEILA C. BAIR, ASSISTANT SECRETARY FOR FINANCIAL INSTITUTIONS, U.S. DEPARTMENT 
OF THE TREASURY
                                                                 PAGE     8

STATEMENT OF HON. JOHN D. HAWKE, JR., COMPTROLLER, OFFICE OF THE COMPTROLLER OF THE CURRENCY
                                                                 PAGE    11

STATEMENT OF HON. ELLEN SEIDMAN, DIRECTOR, OFFICE OF THRIFT SUPERVISION
                                                                 PAGE    15


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING