SPEAKER INDEX Segment 2 of 2 Previous Segment (1) CONTENTS INSERTS BACHUS 62 67 68 69 71 72 76 80 83 86 90 BENTSEN 98 99 100 101 103 CANTOR 69 CAPITO 67 71 95 96 97 CHENEY 76 97 DUKE 86 96 100 GAITHER 72 95 96 HAGE 83 101 102 103 ROUKEMA 68 STONE 80 97 99 100 101 WATERS 65 68 93 WELDON 95 97 98 101 102 103 104 CONTENTS SPEAKERS INSERTS STATEMENT OF CHARLENE R. GAITHER, MANAGER, EASTERN PANHANDLE COMMUNITY FEDERAL CREDIT UNION, MARTINSBURG, WV, ON BEHALF OF CREDIT UNION NATIONAL ASSOCIATION PAGE 72 STATEMENT OF WILLIAM CHENEY, PRESIDENT AND CEO, XEROX FCU, EL SEGUNDO, CA, ON BEHALF OF NATIONAL ASSOCIATION OF FEDERAL CREDIT UNIONS PAGE 76 STATEMENT OF PIERCE STONE, CHAIRMAN, PRESIDENT AND CEO, VIRGINIA COMMUNITY BANK, LOUISA, VA, ON BEHALF OF INDEPENDENT COMMUNITY BANKERS OF AMERICA PAGE 80 STATEMENT OF CURTIS L. HAGE, CHAIRMAN AND CEO, HOME FEDERAL BANK, SIOUX FALLS, SD; CHAIRMAN, AMERICA'S COMMUNITY BANKERS PAGE 83 STATEMENT OF ELIZABETH DUKE, SENIOR VICE PRESIDENT, GOVERNMENT RELATIONS, SOUTHTRUST CORPORATION, VIRGINIA BEACH, VA, ON BEHALF OF THE AMERICAN BANKERS ASSOCIATION PAGE 86 INSERTS SPEAKERS CONTENTS NO INSERTS IN THIS HEARING