SPEAKER INDEX    CONTENTS   INSERTS   
ABERNATHY       12     22     23     28     30     31     32     33     36  
                37  
BACHUS           1      5      6      7      9     10     11     12     15  
                18     19     22     23     24     25     28     31     34  
                36     40     41     42     43     46     49     51     54  
                67     68     69     70     71     72  
BAKER            5     62     64  
CARSON          25  
GARRETT          9     31     32     33     34  
GOLDSTON        43     44     65     66  
HENSARLING       7     28     29     30     31     40     54     56     59  
                61     63     64     65     66     67     70     72  
HICKMAN         59     69     70  
HINOJOSA        34     36  
KENNEDY         54     64     71  
LEIGHTY         46     67  
LUCAS OF KENTUCKY     9  
MACOMBER        51     68     70  
MEEKS           36     37     38     39  
REICH           15     24     26     27     29     30     33     34     35  
                36     39  
ROCK            42     49     66  
SANDERS          3  
SHERMAN          6  
SMITH           11     12     18     19     26     29     38     39  
TAYLOR          56     63     64     69     70     71  
WATT            18     19     25     26     27  

CONTENTS    SPEAKERS   INSERTS   
STATEMENT OF HON. WAYNE A. ABERNATHY, ASSISTANT SECRETARY FOR FINANCIAL INSTITUTIONS, UNITED 
STATES DEPARTMENT OF THE TREASURY
                                                                 PAGE    12

STATEMENT OF HON. JOHN REICH, VICE CHAIRMAN, FEDERAL DEPOSIT INSURANCE CORPORATION
                                                                 PAGE    15

STATEMENT OF HON. JOSEPH SMITH, JR., COMMISSIONER OF BANKS, NORTH CAROLINA OFFICE OF COMMISSIONER 
OF BANKS, REPRESENTING CONFERENCE OF STATE BANK SUPERVISORS
                                                                 PAGE    19

STATEMENT OF JIM GOLDSTON, BRANCH PRESIDENT, CITY BANK, (TX)
                                                                 PAGE    43

STATEMENT OF DALE LEIGHTY, CHAIRMAN AND PRESIDENT, FIRST NATIONAL BANK OF LAS ANIMAS, (CO) 
REPRESENTING INDEPENDENT COMMUNITY BANKERS OF AMERICA
                                                                 PAGE    46

STATEMENT OF BRAD ROCK, CHAIRMAN, PRESIDENT AND CEO, BANK OF SMITHTOWN (NY) REPRESENTING AMERICA'S 
BANKERS ASSOCIATION
                                                                 PAGE    49

STATEMENT OF MARK MACOMBER, PRESIDENT AND CEO, LITCHFIELD (CT) BANCORP, REPRESENTING AMERICA'S 
COMMUNITY BANKERS
                                                                 PAGE    51

STATEMENT OF JUDITH A. KENNEDY, PRESIDENT AND CEO, NATIONAL ASSOCIATION OF AFFORDABLE HOUSING 
LENDERS
                                                                 PAGE    54

STATEMENT OF JOHN TAYLOR, PRESIDENT AND CEO, NATIONAL COMMUNITY REINVESTMENT COALITION
                                                                 PAGE    56

STATEMENT OF J. PAT HICKMAN, CHAIRMAN AND CEO, HAPPY STATE BANK (TX) REPRESENTING INDEPENDENT 
BANKERS' ASSOCIATION OF TEXAS
                                                                 PAGE    59


INSERTS    SPEAKERS   CONTENTS   
NO INSERTS IN THIS HEARING