SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS           1      3      4      5      6      7     11     14     16  
                19     21     24     27     30     31     33     36     40  
                41     45     48     51     53     54     55     56     57  
                58     59     60     61     63     65     66     67     70  
                73     75     76     79     82     83     84     85     87  
                92     96     97     98     99    100  
BAILEY          71  
BAIRD           24     34     35     40     41     44     58     59     60  
BAKER           48  
BARR            36     37     38     39     40     66     67  
BENTSEN         41     42     43     44     66     85     86     87  
BURLESON        73     75     76     86  
CALVERT          7     16  
EASTMENT        21     31     32     33     34     35     37     54     55  
                56     57     58     59     60     61     62     63     64  
                65  
EDWARDS         67     85     97    100  
FACE            17     53  
GRABILL         28     30     35     36     37     38     45     47     54  
GUTIERREZ       92     95     96  
HINOJOSA         3  
HOLLAND         76     89     90     91     98     99  
KANJORSKI       11     16  
MALONEY OF CONNECTICUT     4  
MALONEY OF NEW YORK     7  
SHERMAN         15     16     51     53     54     63     64     65     66  
                87     88     89     90     91    100  
SMITH           19     39     40     41     42     43     44  
TAYLOR          79     82     83     84     85     86     93     96     97  
TIBERI          27     33     34     35     36  
WATERS           5     41     45     46     47     48     51     60     61  
                62     63  
WATTS            4      5     31     32     33  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. KEN CALVERT, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF CALIFORNIA
                                                                 PAGE     7

STATEMENT OF HON. PAUL E. KANJORSKI, A REPRESENTATIVE IN CONGRESS FROM THE STATE OF PENNSYLVANIA
                                                                 PAGE    11

STATEMENT OF E. JOSEPH FACE, JR., COMMISSIONER OF FINANCIAL INSTITUTIONS, COMMONWEALTH OF 
VIRGINIA, ON BEHALF OF THE CONFERENCE OF STATE BANK SUPERVISORS
                                                                 PAGE    17

STATEMENT OF JAMES E. SMITH, CHAIRMAN AND CEO, UNION STATE BANKER & TRUST CLINTON, CLINTON, 
MISSOURI, PRESIDENT OF THE AMERICAN BANKERS' ASSOCIATION
                                                                 PAGE    19

STATEMENT OF GEORGE T. EASTMENT, III, EXECUTIVE VICE PRESIDENT, LONG AND FOSTER REAL ESTATE, INC., 
ON BEHALF OF REAL ESTATE SERVICE PROVIDERS COUNCIL, INC.
                                                                 PAGE    21

STATEMENT OF PATRICK GRABILL, FORMER NAR DIRECTOR FOR COLDWELL BANKER KING THOMPSON, CURRENT 
PRESIDENT, KING THOMPSON/HOLZER-WOLLAM, REALTORS
                                                                 PAGE    27

STATEMENT OF MARTIN EDWARDS, JR., PRESIDENT, NATIONAL ASSOCIATION OF REALTORS
                                                                 PAGE    67

STATEMENT OF ROBERT BAILEY, PRESIDENT, CALIFORNIA ASSOCIATION OF REALTORS
                                                                 PAGE    71

STATEMENT OF MARY FRANCES BURLESON, PRESIDENT AND CEO, EBBY HALLIDAY REALTORS, DALLAS, TEXAS
                                                                 PAGE    73

STATEMENT OF ELIZABETH HOLLAND, ASSET MANAGER AND GENERAL COUNSEL, ABBELL CREDIT CORPORATION, 
CHICAGO, IL, ON BEHALF OF THE INTERNATIONAL COUNCIL OF SHOPPING CENTERS
                                                                 PAGE    76

STATEMENT OF JOHN TAYLOR, PRESIDENT AND CEO, NATIONAL COMMUNITY REINVESTMENT COALITION
                                                                 PAGE    79


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING