SPEAKER INDEX    CONTENTS   INSERTS   
ABERNATHY       12     16     17     18     19     21     23     24     25  
                26     29     30  
AUERBACH        42     44     47     48     49     51     56  
BACHUS           1      2      3      5      6      7     11     12     14  
                17     20     21     23     25     27     29     30     36  
                37     39     42     44     45     46     48     51     52  
                53     54     55     56     57  
BENT            30     39     41     42     53     54     56  
BROWN-WAITE    20  
GARRETT         25     26     27  
HAMMOCK         37     56  
HART            27     28     29     33     34  
KELLY            4     14     15     16     17     30     33     34     45  
                46     48     51     56     57  
KOHN             7     14     15     19     20     21     22     24     25  
                26     27     28     29  
MALONEY          6     20     21     22     23     41     55     56  
MAUS            31     33     34     50  
MENZIES         34     37     46     50     52     53     55  
ROYCE            5  
SANDERS          2      3      5     17     18     19     20     22     42  
                48     49     50     51  
SHERMAN          2  
TOOMEY           7     23     24     25     30     46     47     48  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. DONALD L. KOHN, GOVERNOR, FEDERAL RESERVE BOARD OF GOVERNORS
                                                                 PAGE     7

STATEMENT OF WAYNE A. ABERNATHY, ASSISTANT SECRETARY FOR FINANCIAL INSTITUTIONS, DEPARTMENT OF THE 
TREASURY
                                                                 PAGE    11

STATEMENT OF EDWIN R. MAUS, PRESIDENT AND CEO, LAUREL SAVINGS BANK, ON BEHALF OF AMERICA'S 
COMMUNITY BANKERS (ACB)
                                                                 PAGE    31

STATEMENT OF R. MICHAEL STEWART MENZIES, SR., PRESIDENT AND CEO, EASTON BANK AND TRUST CO., ON 
BEHALF OF INDEPENDENT COMMUNITY BANKERS OF AMERICA (ICBA)
                                                                 PAGE    34

STATEMENT OF REX HAMMOCK, PRESIDENT, HAMMOCK PUBLISHING, INC., ON BEHALF OF NATIONAL FEDERATION OF 
INDEPENDENT BUSINESS
                                                                 PAGE    37

STATEMENT OF BRUCE R. BENT, SR., CHAIRMAN AND CEO, RESERVE MANAGEMENT CO.
                                                                 PAGE    39

STATEMENT OF ROBERT AUERBACH, PROFESSOR, LYNDON B. JOHNSON SCHOOL OF PUBLIC AFFAIRS, UNIVERSITY OF 
TEXAS
                                                                 PAGE    42


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING