SPEAKER INDEX    Segment 1 of 2    Next Segment (2)
CONTENTS   INSERTS   
BACHUS          12     43     44     45     46     47     48  
BAKER           34     36     37     38     39     89     90     91     92  
                93     94     95  
BENTSEN         39     40     41     42     43     85     87     88     89  
               105    106    107    108    109  
BOTHWELL        13     20     21     23     24     25     26     28     29  
                30     31     32     33     36     37     38     39     40  
                41     42     43     44     45     46     47     49     50  
                51     52     54     55     56  
COOK            49     50  
FLAKE           11  
HILL            48     81     83     84     85    113    115    117  
HOOLEY          48     50  
KELLY            9  
KILPATRICK      76     78  
LAFALCE          3     23     24     25  
LEACH            1      5      7      9     10     11     12     13     19  
                20     21     22     25     29     34     39     43     48  
                50     51     53     56     60     64     68     72     73  
                74     75     76     77     78     81     85     89     93  
                95     98    100    105    109    110    113    117    118  
               119    120    121  
MANZULLO        53     55     56  
MCCONNELL       57     75     76     82     83     86     87     88     89  
                91     92    101    102    109    110    111    112    113  
               114    115    116    119    120    121  
MCCOOL          26     27     43  
NEY             48     51     52  
RILEY           48     78     80     81    109    110    111    112    113  
ROUKEMA          5     25     26     27     28     29    100    101    102  
               103    104  
SCHOSBERG       64     65     72     74     84     92     93     98    116  
SONES           60     74     79     80     83     84     94     95    108  
               112    113    115    118    119    121  
UHLICK          68    103    104    106    107    108  
VENTO            7      9     29     30     31     32     33  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF MR. JAMES L. BOTHWELL, CHIEF ECONOMIST, GENERAL ACCOUNTING OFFICE ACCOMPANIED BY MR. 
TOM McCOOL AND MR. SCOTT SMITH 
                                                                 PAGE    13

STATEMENT OF MR. WILLIAM T. McCONNELL, CHAIRMAN AND CEO, PARK NATIONAL CORPORATION AND 
PRESIDENT-ELECT, AMERICAN BANKERS ASSOCIATION
                                                                 PAGE    57

STATEMENT OF MR. BILL SONES, PRESIDENT AND CEO, STATE BANK AND TRUST COMPANY AND PRESIDENT OF THE 
INDEPENDENT BANKERS ASSOCIATION OF AMERICA
                                                                 PAGE    60

STATEMENT OF MR. PAUL A. SCHOSBERG, PRESIDENT, AMERICA'S COMMUNITY BANKERS
                                                                 PAGE    65

STATEMENT OF MR. LAWRENCE R. UHLICK, EXECUTIVE DIRECTOR AND GENERAL COUNSEL, INSTITUTE OF 
INTERNATIONAL BANKERS 
                                                                 PAGE    68


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING