The Securities and Exchange Commission

[thepennyking]

April 1, 2004 - Governor Donald L. Kohn Monetary Policy and Imbalances At the Banking and Finance Lecture Series, Widener University, Chester, Pennsylvania www.federalreserve.gov/boarddocs/speeches/2004/200404012/default.htm

April 1, 2004 - Comptroller Hawke Tells House Panel National Banks Are in Sound Condition - Comptroller of the Currency John D. Hawke, Jr. told a House panel today that the national banking system is in excellent health and that national banks are continuing to play their traditional role of providing investment capital to America's businesses and communities.
Press Release: www.occ.treas.gov/scripts/newsrelease.aspx?Doc=NFBQ8WDP.xml
Attachment: www.occ.treas.gov/ftp/release/2004-26a.pdf
Attachment: www.occ.treas.gov/ftp/release/2004-26b.pdf

April 1, 2004 - Statistical Release G.5 Foreign Exchange Rates (Monthly) THE Table Below Shows The Average Rates Of Exchange In March 2004 Together With Comparable Figures For Other Months. Averages Are Based On Daily Noon Buying Rates For Cable Transfers In New York City Certified For Customs Purposes By The Federal Reserve Bank Of New York. www.federalreserve.gov/Releases/G5/Current/default.htm

April 1, 2004 - Governor Ben S. Bernanke Financial education and Jump$tart survey At the Jump$tart Coalition for Personal Financial Literacy and Federal Reserve Board joint news conference, Washington, D.C. www.federalreserve.gov/boarddocs/speeches/2004/20040401/default.htm

March 31, 2004 - Statistical Release E.15 Agricultural Finance Databook - These data are derived from quarterly sample surveys conducted by the Federal Reserve System during the first full week of the second month of each quarter. www.federalreserve.gov/releases/e15/default.htm

March 31, 2004 - Governor Edward M. Gramlich - Budget and Trade Deficits: Linked, Both Worrisome in the Long Run, but not Twins At the Los Angeles Chapter of the National Association for Business Economics Luncheon, Los Angeles, California
www.federalreserve.gov/boarddocs/speeches/2004/20040225/default.htm

March 31, 2004 - NCUA - Statement of NCUA Chairman Dennis Dollar Announcing His Resignation Effective April 30, 2004 www.ncua.gov/news/press_releases/2004/NR04-0331.htm

March 31, 2004 - Retail Payment Systems Guidance Released by Federal Financial Institution Regulators - The Federal Financial Institutions Examination Council today issued revised guidance for examiners, financial institutions, and technology service providers on the risks associated with retail payment systems.
FFIEC: www.ffiec.gov/press/pr033104.htm
OTS: http://www.ots.treas.gov/docs/77407.html
OCC: www.occ.treas.gov/ftp/bulletin/2004-14.txt
NCUA: www.ncua.gov/news/press_releases/2004/FFIEC040331.pdf

March 31, 2004 -FDIC Makes Public February Enforcement Actions; No Administrative Hearings Scheduled - The Federal Deposit Insurance Corporation today released a list of orders of administrative enforcement actions taken against banks and individuals in February. No administrative hearings are scheduled for April. www.fdic.gov/news/news/press/2004/pr3604.html

March 30, 2004 - This issuance notifies national banks that the OCC has been advised by the Finanzmarktaufsicht--Financial Market Authority of Austria that the Investment Bank of Austria has not been granted a banking license by Austrian authorities, and the entity is not authorized to conduct banking business in Austria. The contact information on the subject entity's Web site contains a street address in St. Paul, Minnesota, and lists nonworking telephone and facsimile numbers. www.occ.treas.gov/ftp/alert/2004-10.txt

March 30, 2004 - St. Louis Fed's Poole Lauds U.S.' "Superb Entrepreneurial Environment." www.stlouisfed.org/news/releases/2004/03_30_04.htm

March 30, 2004 - 2003 FFIEC Annual Report - www.ffiec.gov/PDF/annrpt03.pdf

March 30, 2004 - FDIC Issues Removal and Prohibition Order Against Former Georgia Banker - The Federal Deposit Insurance Corporation has issued a removal and prohibition order against Stephanie E. Stewart. www.fdic.gov/news/news/press/2004/pr3504.html

March 30, 2004 - FDIC Issues Removal and Prohibition Order Against Former Texas Banker - The Federal Deposit Insurance Corporation has issued a removal and prohibition order against Teresa Rodriguez. www.fdic.gov/news/news/press/2004/pr3404.html

March 30, 2004 - FDIC Issues Removal and Prohibition Order Against Former Texas Banker - The Federal Deposit Insurance Corporation has issued a removal and prohibition order against Sandra Ruiz. www.fdic.gov/news/news/press/2004/pr3304.html

March 30, 2004 - FDIC Issues Removal and Prohibition Order and Civil Money Penalty Against Former South Carolina Banker - The Federal Deposit Insurance Corporation issued a removal and prohibition order and imposed a $10,000 civil money penalty against Larry D. Bailey. www.fdic.gov/news/news/press/2004/pr3204.html

March 30, 2004 - FDIC Issues Removal And Prohibition Order Against Former South Dakota Banker - The Federal Deposit Insurance Corporation has issued a removal and prohibition order against Bryan M. Plack. Plack was a branch manager of Security Bank, Madison, SD. www.fdic.gov/news/news/press/2004/pr3104.html

March 30, 2004 - Statistical Release G.20 Finance Companies www.federalreserve.gov/releases/g20/current/default.htm

March 30, 2004 - NCUA - Chairman Dollar Says NCUA Board Will Consider Proposal To Allow Low-Income Student-Run Credit Unions To Apply For TAG Grants And CDLRF Loans.
www.ncua.gov/news/press_releases/2004/NR04-0329-2.htm

March 30, 2004 - Governor Ben S. Bernanke Trade and Jobs At the Distinguished Speaker Series, Fuqua School of Business, Duke University, Durham, North Carolina. http://www.federalreserve.gov/boarddocs/speeches/2004/20040330/default.htm

March 29, 2004 - NCUA - PALS Workshop Teaches Credit Unions to Safely Make More Business Loans - More than 230 credit union leaders learned innovative ways to safely make member business loans at the National Credit Union Administration's latest Partnering and Leadership Successes workshop, March 25 in San Francisco. www.ncua.gov/news/press_releases/2004/NR04-0329.htm

March 27, 2004 - Governor Ben S. Bernanke - Monetary Policy Modeling: Where Are We and Where Should We Be Going? At the Federal Reserve Board Models and Monetary Policy Conference, Washington, D.C. www.federalreserve.gov/boarddocs/speeches/2004/20040327/default.htm

March 26, 2004 - Governor Donald L. Kohn - Research at the Federal Reserve Board: The Contributions of Henderson, Porter, and Tinsley At the Federal Reserve Board Models and Monetary Policy Conference, Washington, D.C. www.federalreserve.gov/boarddocs/speeches/2004/200403262/default.htm