SPEAKER INDEX    Segment 3 of 3   Previous Segment (2)
CONTENTS   INSERTS   
BAKER          274    278    280    281    282    283    284    285    289  
               293    296    299    300    307    308    309    310    311  
               316    319    323    326    328    329    332    333    334  
               337    338    339    341    342    343    344    345    346  
               350    351    353    354  
BARTLETT       284    286    312    315    316    320    325    336    337  
               347    348    349    352  
BENTSEN        319    321    323    343    344  
BIGGERT        283    316    317    318    319  
BOCHNOWSKI     300    313    314    318    319    327    328    338    349  
COOK           323    324    325    326  
CRONK          289    307    308    313    317    318    324    325    327  
               331    333    334  
JONES          345    351    352    354  
KANJORSKI      278    281    311    312    313    314    315    316    339  
               341    342    343    344    354  
LUCAS          282  
MALONEY        345  
MASCARA        347    348    349    350  
ROYCE          330    332  
RYAN           282    283  
SMITH          296    309    310    311    315    327    332    333    334  
SUMNER         293    322    324    326    327    337  
WATERS         326    327    328    329  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. STEVEN BARTLETT, FORMER MEMBER OF CONGRESS FROM THE STATE OF TEXAS; PRESIDENT, 
THE FINANCIAL SERVICES ROUNDTABLE
                                                                 PAGE   284

STATEMENT OF DENNIS R. CRONK, BROKER/OWNER, WALDVOGEL, POE & CRONK REAL ESTATE GROUP INC., 
ROANOKE, VA; PRESIDENT, NATIONAL ASSOCIATION OF REALTORS
                                                                 PAGE   289

STATEMENT OF CHRISTOPHER J. SUMNER, CHIEF EXECUTIVE OFFICER, CROSSLAND MORTGAGE CORPORATION, SALT 
LAKE CITY, UT; PRESIDENT, MORTGAGE BANKERS ASSOCIATION OF AMERICA
                                                                 PAGE   293

STATEMENT OF BRUCE C. SMITH, PRESIDENT, SMITH QUALITY HOMES, WALNUT CREEK, CA; FIRST VICE 
PRESIDENT, NATIONAL ASSOCIATION OF HOME BUILDERS
                                                                 PAGE   296

STATEMENT OF DAVID BOCHNOWSKI, CHAIRMAN, PRESIDENT, AND CEO, PEOPLES BANK, MUNSTER, IN; FIRST VICE 
CHAIRMAN, AMERICA'S COMMUNITY BANKERS
                                                                 PAGE   300


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING