SPEAKER INDEX    CONTENTS   INSERTS   
BACHUS           1      4      6      7      9     16     17     23     26  
                28     29     30     31     32     33     39     40     42  
                43     44     46     47     61     62     63     68     69  
                74     76     80     83     84     85     86     87     88  
                89     90     93     94  
ELLIOTT         70     83     84     90     91     93     94  
FERGUSON        10     29     30     31     32     36     37     38     39  
                40     41     42     43     45     46     48     49     50  
                51     53     55     56     58     59     60     62     63  
                67  
FRANK            4     33     34     35     36     37     38     39     40  
                41     42     44     45     47  
GILLERAN        26     35     36     40     47     64     65     66  
GREEN           68     77     85     86     87     88     92  
GUP             68     74     84     85  
HART            69     74  
HAWKE           17     34     35     43     44     45     46     51     52  
                53     56     57     60     63     66  
MALONEY          4      7     52     53     55     56     57     58     60  
                61     90     91     92     93  
OXLEY            6      7  
POWELL          23     34     41     42  
THOMAS          80     88     89     90  
TOOMEY           9     47     48     49     50     51     52  
WATT            63     64     65     66     67     68  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. ROGER W. FERGUSON, JR., VICE CHAIRMAN, BOARD OF GOVERNORS OF THE FEDERAL RESERVE 
SYSTEM
                                                                 PAGE    10

STATEMENT OF JOHN D. HAWKE, JR., COMPTROLLER, OFFICE OF THE COMPTROLLER OF CURRENCY
                                                                 PAGE    16

STATEMENT OF DONALD POWELL, CHAIRMAN, FEDERAL DEPOSIT INSURANCE CORPORATION
                                                                 PAGE    23

STATEMENT OF JAMES GILLERAN, DIRECTOR, OFFICE OF THRIFT SUPERVISION
                                                                 PAGE    26

STATEMENT OF STEVEN G. ELLIOTT, SENIOR VICE CHAIRMAN, MELLON FINANCIAL CORPORATION
                                                                 PAGE    70

STATEMENT OF BENTON GUP, CHAIR OF BANKING, UNIVERSITY OF ALABAMA
                                                                 PAGE    74

STATEMENT OF MICAH S. GREEN, PRESIDENT, THE BOND MARKET ASSOCIATION
                                                                 PAGE    76

STATEMENT OF KAREN M. THOMAS, DIRECTOR OF REGULATORY AFFAIRS AND SENIOR REGULATORY COUNSEL, 
INDEPENDENT COMMUNITY BANKERS OF AMERICA
                                                                 PAGE    80


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING