SPEAKER INDEX    Segment 2 of 2   Previous Segment (1)
CONTENTS   INSERTS   
BACHUS          62     67     68     69     71     72     76     80     83  
                86     90  
BENTSEN         98     99    100    101    103  
CANTOR          69  
CAPITO          67     71     95     96     97  
CHENEY          76     97  
DUKE            86     96    100  
GAITHER         72     95     96  
HAGE            83    101    102    103  
ROUKEMA         68  
STONE           80     97     99    100    101  
WATERS          65     68     93  
WELDON          95     97     98    101    102    103    104  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF CHARLENE R. GAITHER, MANAGER, EASTERN PANHANDLE COMMUNITY FEDERAL CREDIT UNION, 
MARTINSBURG, WV, ON BEHALF OF CREDIT UNION NATIONAL ASSOCIATION
                                                                 PAGE    72

STATEMENT OF WILLIAM CHENEY, PRESIDENT AND CEO, XEROX FCU, EL SEGUNDO, CA, ON BEHALF OF NATIONAL 
ASSOCIATION OF FEDERAL CREDIT UNIONS
                                                                 PAGE    76

STATEMENT OF PIERCE STONE, CHAIRMAN, PRESIDENT AND CEO, VIRGINIA COMMUNITY BANK, LOUISA, VA, ON 
BEHALF OF INDEPENDENT COMMUNITY BANKERS OF AMERICA
                                                                 PAGE    80

STATEMENT OF CURTIS L. HAGE, CHAIRMAN AND CEO, HOME FEDERAL BANK, SIOUX FALLS, SD; CHAIRMAN, 
AMERICA'S COMMUNITY BANKERS 
                                                                 PAGE    83

STATEMENT OF ELIZABETH DUKE, SENIOR VICE PRESIDENT, GOVERNMENT RELATIONS, SOUTHTRUST CORPORATION, 
VIRGINIA BEACH, VA, ON BEHALF OF THE AMERICAN BANKERS ASSOCIATION
                                                                 PAGE    86


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING