SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS           6      7      8     18     19     20     21     22     48  
                58     59     60     63     64     67     69     72     73  
                77     83     84     85     86     87     88     89     90  
                91     92  
BAKER            2      4      5      6      7      8     12     13     14  
                18     22     24     28     29     33     36     37     40  
                42     47     48     51     55     56     58  
BROADMAN        21     37     51     52     53     54     55     57     59  
HART            49     50     51     92  
HIGGINS         60     63     64     83     87     89  
JONES           51     52     53     54     55     56  
KELLY           25     27  
KROENER         21     33     41     49     50     51     52     53     55  
                57     60  
KURUCZA         67     81     82     87     89  
MALONEY         73     79     81     85     86     87     90  
MANZULLO        24     25  
MEYER           20     29     43     44     45     46     50     52     54  
                55     56     59  
OXLEY            2  
PATTERSON       61     88  
POLLARD         70     80     84     88     90  
TIBERI          56     57     58  
UNGER            5      8     13     15     16     17     18     19     20  
                21     22     24     25     26     27     28     29  
WATERS          14     15     16     17  
WATT            22     24     42     43     44     45     46     47     77  
                79     80     81     82  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. LAURA S. UNGER, ACTING CHAIRWOMAN, SECURITIES AND EXCHANGE COMMISSION
                                                                 PAGE     8

STATEMENT OF HON. LAURENCE H. MEYER, MEMBER, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM
                                                                 PAGE    29

STATEMENT OF WILLIAM F. KROENER III, GENERAL COUNSEL, FEDERAL DEPOSIT INSURANCE CORPORATION
                                                                 PAGE    33

STATEMENT OF ELLEN BROADMAN, DIRECTOR OF SECURITIES AND CORPORATE PRACTICES, OFFICE OF THE 
COMPTROLLER OF THE CURRENCY
                                                                 PAGE    37

STATEMENT OF MICHAEL E. PATTERSON, VICE CHAIRMAN. J.P. MORGAN CHASE & CO.
                                                                 PAGE    60

STATEMENT OF EDWARD D. HIGGINS, EXECUTIVE VICE PRESIDENT, U.S. BANCORP, ON BEHALF OF THE AMERICAN 
BANKERS ASSOCIATION AND THE ABA SECURITIES ASSOCIATION
                                                                 PAGE    63

STATEMENT OF ROBERT M. KURUCZA, GENERAL COUNSEL, BANK SECURITIES ASSOCIATION
                                                                 PAGE    67

STATEMENT OF K. REID POLLARD, PRESIDENT AND CHIEF EXECUTIVE OFFICER, RANDOLPH BANK & TRUST 
COMPANY, ON BEHALF OF THE INDEPENDENT COMMUNITY BANKERS OF AMERICA
                                                                 PAGE    69

STATEMENT OF EUGENE F. MALONEY, EXECUTIVE VICE PRESIDENT AND CORPORATE COUNSEL, FEDERATED 
INVESTORS, INC.
                                                                 PAGE    73


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING