SPEAKER INDEX    Segment 1 of 2    Next Segment (2)
CONTENTS   INSERTS   
BACHUS           1      3      6      9     13     17     20     22     27  
                30     31     32     34     35     36     37     39     42  
                44     48  
BENTSEN         44     45     46     47     48  
BUCK            13     32     40     44  
CANTOR          32     33     34     48     51     56     58     59     61  
CAPITO          22     23     24     25     26     58  
DOLLAR          17     23     28     29     31     33     38     39     41  
                42     43  
HART            42     43     44  
HOOLEY          39     40     41     42  
KANJORSKI       27     29     30     31  
KROENER         10     25     43  
LITTLE          52     60     61  
LUCAS           22  
MCCAUL          48     57     58  
MEEKS           34     35     36     37  
NEY             59     60     61  
OLSON            2      3     24     34     35     36     40     43     45  
                46     47  
ROYCE           37     38     39  
WILLIAMS         6     26     32     36     43     45     47  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. MARK W. OLSON, MEMBER, BOARD OF GOVERNORS, FEDERAL RESERVE SYSTEM
                                                                 PAGE     2

STATEMENT OF JULIE L. WILLIAMS, FIRST SENIOR DEPUTY COMPTROLLER AND CHIEF COUNSEL, OFFICE OF THE 
COMPTROLLER OF THE CURRENCY
                                                                 PAGE     6

STATEMENT OF WILLIAM F. KROENER, III, GENERAL COUNSEL, FEDERAL DEPOSIT INSURANCE CORPORATION
                                                                 PAGE    10

STATEMENT OF CAROLYN BUCK, CHIEF COUNSEL, OFFICE OF THRIFT SUPERVISION
                                                                 PAGE    13

STATEMENT OF HON. DENNIS DOLLAR, CHAIRMAN, NATIONAL CREDIT UNION ADMINISTRATION
                                                                 PAGE    17

STATEMENT OF ELIZABETH McCAUL, SUPERINTENDENT OF BANKS, NEW YORK STATE BANKING DEPARTMENT, ON 
BEHALF OF THE CONFERENCE OF STATE BANK SUPERVISORS
                                                                 PAGE    48

STATEMENT OF ROGER W. LITTLE, DEPUTY COMMISSIONER, CREDIT UNIONS, OFFICE OF INSURANCE AND 
FINANCIAL SERVICES, ON BEHALF OF THE NATIONAL ASSOCIATION OF STATE CREDIT UNION SUPERVISORS
                                                                 PAGE    52


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING