[United States Government Manual]
[May 31, 1996]
[Pages 662-672]
[From the U.S. Government Publishing Office, www.gpo.gov]



SMALL BUSINESS ADMINISTRATION

409 Third Street SW., Washington, DC 20416
Phone, 800-8-ASK-SBA (toll-free)
Administrator                                    Philip Lader
Deputy Administrator                             (vacancy)
Chief of Staff                                   Missy Kincaid
Counselor to the Administrator                   Jeanne Saddler
Associate Administrator for Field Operations     Kenneth Stram
Director, Executive Secretariat                  Susan M. Clifford
Chief Counsel for Advocacy                       Jere W. Glover
General Counsel                                  John T. Spotila
Chief Financial Officer                          Gregory A. Walter, 
                                                     Acting
Assistant Administrator for Congressional and    Mary K. Swedin
    Legislative Affairs
Associate Administrator for Communications and   William F. Combs
    Public Liaison
Assistant Administrator for Public               (vacancy)
    Communications
Assistant Administrator for Marketing/Outreach   Irma R. Munoz
Associate Deputy Administrator for Management    Antonella Pianalto
    and Administration
Assistant Administrator for Human Resources      Carolyn J. Smith
Assistant Administrator for Administration       Thomas Dumaresq
Assistant Administrator for Information          Lawrence E. Barrett
    Resources Management
Associate Deputy Administrator for Economic      (vacancy)
    Development
Deputy Associate Deputy Administrator for        Patricia Forbes
    Economic Development
Associate Administrator for Surety Guarantees    Robert Moffitt

[[Page 663]]

Associate Administrator for Financial            John R. Cox
    Assistance
Associate Administrator for Investment           Don Christensen
Associate Administrator for Business             Monika Harrison
    Initiatives
Assistant Administrator for International Trade  Jeanne Sclater
Assistant Administrator for Veterans Affairs     Leon J. Bechet
Associate Administrator for Small Business       Johnnie Albertson
    Development Centers
Assistant Administrator for Women's Business     Sherrye Henry
    Ownership
Assistant Administrator for Native American      Quanah Stamps
    Affairs
Associate Deputy Administrator for Government    John Whitmore
    Contracting and Minority Enterprise 
    Development
Associate Administrator for Government           Judith Roussel
    Contracting
Associate Administrator for Minority Small       Calvin Jenkins
    Business and Capital Ownership Development
Assistant Administrator for Technology           Daniel Hill
Assistant Administrator for Size Standards       Gary M. Jackson
Inspector General                                James S. Hoobler
Associate Administrator for Disaster Assistance  Bernard Kulik
Assistant Administrator for Hearings and         Mona Mitnick
    Appeals
Assistant Administrator for Equal Employment     Erline M. Patrick
    Opportunity and Civil Rights Compliance

[For the Small Business Administration statement of organization, see 
the Code of Federal Regulations, Title 13, Part 101]

________________________________________________________________________
The fundamental purposes of the Small Business Administration are to 
aid, counsel, assist, and protect the interests of small business; 
ensure that small business concerns receive a fair portion of Government 
purchases, contracts, and subcontracts, as well as of the sales of 
Government property; make loans to small business concerns, State and 
local development companies, and the victims of floods or other 
catastrophes, or of certain types of economic injury; and license, 
regulate, and make loans to small business investment companies.

The Small Business Administration (SBA) was created by the Small 
Business Act of 1953 and derives its present existence and authority 
from the Small Business Act (15 U.S.C. 631 et seq.). It also derives its 
authority from the Small Business Investment Act of 1958 (15 U.S.C. 
661). The Secretary of Commerce has delegated to the Administration 
certain responsibilities and functions under section 202 of the Public 
Works and Economic Development Act of 1965 (42 U.S.C. 3142) and is 
further authorized to delegate to the Administrator certain 
responsibilities and functions under chapter 3 of the Trade Act of 1974 
(19 U.S.C. 2101).

Activities

Financial Assistance  The Administration provides guaranteed loans to 
small businesses to help them finance plant construction, conversion, or 
expansion and acquire equipment, facilities, machinery, supplies, or 
materials. It also provides them with working capital. Since enactment 
of the act of June 4, 1976 (90 Stat. 663), farms are included within the 
term ``small business concerns.''

[[Page 664]]





[[Page 665]]

    The Administration may provide loan guarantees to finance 
residential or commercial construction or rehabilitation for sale as 
well as revolving lines of credit, including those for export purposes, 
to qualified employee trusts. The Administration may finance small firms 
that manufacture, sell, install, service, or develop specific energy 
measures including engineering, architectural, consulting, or other 
professional services connected with eligible energy measures.
    The Administration may also provide assistance to small businesses 
needing small-scale financing and technical assistance through loans and 
grants to private, nonprofit organizations who, in turn, make microloans 
and provide technical assistance to eligible concerns.
    Under the provisions of sections 501-506 of the Small Business 
Investment Act (15 U.S.C. 695, 696), loans are made to State and local 
development companies who likewise assist small businesses by providing 
long-term loans for the acquisition of land and buildings, construction, 
conversion, or expansion of facilities, and the purchase of machinery 
and equipment.

For further information, contact the nearest Small Business 
Administration district office.

Disaster Assistance  The Administration lends money to help the victims 
of floods, riots, or other catastrophes repair or replace most disaster-
damaged property. Direct loans with subsidized interest rates are made 
to assist individuals, homeowners, businesses, and small agricultural 
cooperatives without credit elsewhere that have sustained substantial 
economic injury resulting from natural disasters.

For further information, contact the Office of Disaster Assistance. 
Phone, 202-205-6734.

Investment  The Administration licenses, regulates, and provides 
financial assistance to small business investment companies and section 
301(d) licensees (formerly minority enterprise small business investment 
companies). The sole function of these investment companies is to 
provide venture capital in the form of equity financing, long-term loan 
funds, and management services to small business concerns.

For further information, contact the Investment Division. Phone, 202-
205-6510.

Surety Bonds  Through its Surety Bond Guarantee Program, the 
Administration helps to make the contract bonding process accessible to 
small and emerging contractors who find bonding unavailable. It will 
guarantee to reimburse a qualified surety up to 90 percent of losses 
incurred under bid, payment, or performance bonds issued to small 
contractors on contracts valued up to $1.25 million. The contracts may 
be for construction, supplies, manufacturing, or services provided by 
either a prime contractor or subcontractor for governmental or 
nongovernmental work.

For further information, contact the Office of Surety Guarantee. Phone, 
202-205-6540.

Government Contracting  The Administration works closely with purchasing 
agencies of the Federal Government and with the Nation's leading 
contractors in developing policies and procedures that will increase the 
number of contracts going to small business.
    The Administration provides a wide range of services to small firms 
to help them obtain and fulfill Government contracts and subcontracts. 
It sets aside suitable Government purchases for competitive award to 
small business concerns and provides an appeal procedure for a low-
bidding small firm whose ability to perform a contract is questioned by 
the contracting officer. The Administration develops subcontract 
opportunities for small businesses by maintaining close contact with 
prime contractors and referring qualified small firms to them. It 
cooperates with Federal agencies in setting procurement goals for small 
businesses, small disadvantaged businesses, and small women-owned 
businesses for prime contracts and subcontracts.
    The Administration maintains a computerized small business source 
referral system that provides qualified

[[Page 666]]

sources for Federal Government and large business procurements. It 
cooperates with Government agencies in ensuring that small firms have an 
opportunity to procure a fair share of Government property, such as 
timber, royalty oil, strategic materials, and mineral leases, that is 
sold to the private sector. The Administration also works with Federal 
agencies to ensure that small firms have a fair opportunity to acquire 
surplus Government property.

For further information, contact the Office of Government Contracting. 
Phone, 202-205-6460.

Business Initiatives  The Administration develops and cosponsors 
counseling, education, and training for small businesses. The 
Administration has forged ongoing partnerships with resource partners to 
deliver most of the business education and training programs offered 
annually at low cost. One-on-one counseling is provided free of charge 
by the Service Corps of Retired Executives.
    The Business Information Center (BIC) program is among the most 
innovative methods of providing small business owners with a one-stop 
approach to information, education, and training. The Centers combine 
the latest computer technology, hardware, and software, an extensive 
small business reference library of hard copy books and publications, 
and current management videotapes to help clients venture into new 
business areas. The use of software for a variety of business 
applications offers clients of all types a means of addressing their 
diverse needs. Although most BIC's are stand-alone centers, in 
Empowerment Zones BIC's will form the core element of one-stop capital 
shops.
    In addition to education and training events, SBA cosponsors fact 
sheets and other materials, ranging from short, single-topic flyers to 
detailed publications, on a variety of business management and growth 
topics.
    Among the most visible public/private sector cosponsorships 
undertaken by SBA is the creation, with Sprint, of SBA Online, SBA's 
toll-free electronic bulletin board for small businesses.

For further information, contact the Office of Business Initiatives. 
Phone, 202-205-6665.

Minority Enterprise Development  Sections 7(j) and 8(a) of the Small 
Business Act provide the authority for the Minority Enterprise 
Development Program, designed to promote business ownership by socially 
and economically disadvantaged persons. Its components include the 8(a) 
program, the 7(j) management and technical assistance program, and the 
minority outreach program.
    Participation in the 8(a) program is available to small businesses 
that are at least 51 percent unconditionally owned, controlled, and 
managed by one or more individuals determined by SBA to be socially and 
economically disadvantaged. In order to gain approval for participation 
in the 8(a) program, the firms must sell goods and/or services that the 
Federal Government purchases, and demonstrate the potential for 
successful business development.
    Program participants receive a wide variety of services from SBA 
including management and technical assistance, loans, and Federal 
contracts. Under 8(a) program authority, SBA contracts with Federal 
Government entities to provide goods and services and, in turn, 
subcontracts the performance of these contracts to 8(a) program 
participants.
    Information regarding the program and 8(a) program applications are 
provided by SBA's district offices. The Division of Program 
Certification and Eligibility addresses issues related to 8(a) program 
eligibility. The Division of Program Development handles matters related 
to 8(a) contract awards and the business development of 8(a) participant 
firms.
    Under section 7(j) program authority, SBA provides management and 
technical assistance to section 8(a) program participants, other 
socially and economically disadvantaged persons, and those businesses 
operating in low- income or high-unemployment areas. The Administration 
enters into cooperative agreements and contracts with qualified 
organizations and individuals, including businesses, State and local 
governments, educational

[[Page 667]]

institutions, Indian tribes, and nonprofit organizations to provide this 
assistance. At the local level, services are provided on a one-to-one 
basis in the areas of bookkeeping and accounting services, production, 
engineering and technical advice, feasibility studies, marketing 
analysis and advertising expertise, legal services, and specialized 
management training. At the regional and national levels, SBA funds 
innovative programs to provide for services in such areas as transition 
management for 8(a) firms, competitive marketing strategies, financing, 
comprehensive business plans, and financial management services. The 
Division of Management and Technical Assistance administers the 7(j) 
program.

For further information, contact the Office of Minority Enterprise 
Development. Phone, 202-205-6412.

Advocacy  The Office of Advocacy is mandated by Congress to serve as a 
leading advocate within public policy councils for the more than 22 
million small businesses throughout the country. The Office is headed by 
the Chief Counsel for Advocacy, who advances the views, concerns, and 
interest of small business before the Congress, the White House, and 
Federal and State regulatory agencies. The Chief Counsel has specific 
responsibilities for monitoring the compliance of Federal agencies with 
the Regulatory Flexibility Act (5 U.S.C. 601).
    The Office of Advocacy is one of the leading national sources for 
information on the state of small business and the issues that affect 
small business success and growth. The Office conducts economic and 
statistical research into matters affecting the competitive strength of 
small business, including the effect of Federal laws, regulations, and 
programs, and makes recommendations to Federal agencies for appropriate 
adjustments to meet the special needs of small business.
    Additionally, regional advocates enhance communication between the 
small business community and the Chief Counsel. As the Chief Counsel's 
direct link to local business owners, State and local government 
agencies, State legislatures, and small business organizations, they 
help identify new issues and problems of small business by monitoring 
the effect of Federal and State regulations and policies on the local 
business communities within their regions.

For further information, contact the Office of Advocacy. Phone, 202-205-
6533.

Women's Business Ownership  The Office of Women's Business Ownership 
(OWBO) is authorized in section 412 of the Small Business Act to provide 
assistance to the increasing number of current and potential woman 
business owners, and to act as their advocate in the public and private 
sector. It is the only office in the Federal Government specifically 
targeted to the Nation's women business owners, assisting them in 
becoming full partners in economic development through technical, 
financial, and management information and training, business skills 
counseling, and research.
    Through a network of local SBA offices, OWBO offers a wide range of 
education and training services and resources. The Women's Business 
Ownership Act of 1988 and the Women's Business Development Act of 1991 
authorized SBA to establish demonstration projects to provide long-term 
training and counseling for women at every stage of their 
entrepreneurial career. There are currently 54 centers, in 28 States and 
the District of Columbia, which provide community-based training and 
assistance on financial, management, marketing, and procurement matters 
through a 3-year grant which must be matched by nonfederal funds. The 
centers offer assistance to current and potential women business owners, 
tailored to the particular needs of the community.
    The Women's Network for Entrepreneurial Training (WNET) is a year-
long mentoring program linking seasoned entrepreneurs with women whose 
businesses are poised for growth. A new feature of the program is the 
peer group roundtable. These approaches help entrepreneurs avoid the 
common mistakes of new business owners.

[[Page 668]]

    The Administration's Office of Government Contracting has initiated 
a women's procurement pilot program with 11 major Federal procurement 
agencies, with the goal of expanding the pool of women-owned businesses 
receiving Federal contracts. These efforts include trade fairs, 
marketing activities, publications on Federal contracting, and 
utilization of SBA's Procurement Automated Source System (PASS).
    In addition, the Women's Prequalification Pilot Loan program, in 16 
sites nationwide, enables women to prequalify for an SBA loan guaranty 
before going to a lender. The program focuses on the character, credit, 
experience, and repayment ability of the applicant.

For further information, contact the Office of Women's Business 
Ownership. Phone, 202-205-6673. Internet, http://www.sbaonline.sba.gov/
womeninbusiness/.

Veterans Affairs  The Office of Veterans' Affairs (OVA) carries out the 
Veterans Affairs program to ensure that SBA gives special consideration 
in all its programs to veterans, their dependents, and survivors. The 
program helps those who have dedicated significant portions of their 
lives to the defense of the ideals which make entrepreneurship possible 
in our Nation. The Office works with the Nation's 27 million veterans 
and the nearly 500,000 military personnel affected by downsizing. It is 
the only Federal Government office dedicated exclusively to helping 
veterans who want to go into business.
    Besides ensuring special consideration, OVA designs procurement and 
management training programs specifically for veterans, and coordinates 
veteran training and counseling with other departments of SBA. It also 
measures veteran participation by monitoring loan, surety bond, 
procurement, and training activity within SBA. The Office maintains 
liaison with other veteran and veteran-related organizations to 
accomplish its goals.

For further information, contact the Office of Veterans Affairs. Phone, 
202-205-6773.

Technology  The Office of Technology has authority and responsibility 
for coordinating and monitoring the governmentwide activities of the 
Small Business Innovation Research program (SBIR). In accordance with 
the Small Business Research and Development Enhancement Act of 1992, as 
amended (15 U.S.C. 631 note), the Office develops and issues policy 
directives for the general conduct of the programs within the Federal 
Government and maintains a source file and information program to 
provide each interested and qualified small business concern with 
information on opportunities to compete for SBIR program awards. The 
Office also coordinates with each participating Federal agency in 
developing a master release schedule of all program solicitations; 
publishes the Presolicitation Announcement quarterly, which contains 
pertinent facts on upcoming solicitations; and surveys and monitors 
program operations within the Federal Government and reports on the 
progress of the program each year to Congress.
    The Office has four main objectives: to expand and improve SBIR; to 
increase private sector commercialization of technology developed 
through Federal research and development; to increase small business 
participation in Federal research and development; and to improve the 
dissemination of information concerning SBIR, particularly with regard 
to participation by women-owned small business concerns and by socially 
and economically disadvantaged small business concerns.

For further information, contact the Office of Technology. Phone, 202-
205-6450.

International Trade  The Office of International Trade provides export 
financing to small businesses. It administers the Export Working Capital 
program, which provides short-term, transaction-specific financing for 
exporting, including pre-export financing of labor and materials, 
financing receivables generated from these sales, and standby letters of 
credit used as performance bonds or payment guarantees to foreign 
buyers.

[[Page 669]]

    The Office is a major participant in the U.S. Export Assistance 
Center (USEAC) initiative, authorized by section 202 of the Export 
Enhancement Act of 1992. The Centers provide a single point of contact 
for all Federal export promotion and finance programs in the following 
cities: Atlanta, GA; Baltimore, MD; Boston, MA; Chicago, IL; Cleveland, 
OH; Dallas, TX; Denver, CO; Detroit, MI; Long Beach, CA; Miami, FL; New 
Orleans, LA; New York, NY; Philadelphia, PA; Seattle, WA; and; St. 
Louis, MO. They integrate representatives of the Department of Commerce, 
the Small Business Administration, the Export-Import Bank of the United 
States, and the Agency for International Development to deliver services 
directly and refer clients to appropriate public and private sector 
partners.
    The Office develops and recommends agency policy and procedures to 
effectively deliver the International Trade program, provides tools for 
SBA's resource partners, and coordinates activities with agency resource 
partners and USEAC's to improve accessibility to its programs. The 
Office also coordinates with other Federal agencies under the auspices 
of the Trade Promotion Coordinating Committee (TPCC) to ensure that 
trade promotion information and trade events are communicated to the 
small business community. The Office also works with agencies of the 
TPCC in coordinating and facilitating trade between the U.S. small 
business community and businesses and governments of other countries.

For further information, contact the Office of International Trade. 
Phone, 202-205-6720.

Small Business Development Centers  Small Business Development Centers 
provide counseling and training to existing and prospective small 
business owners. The Centers operate in every State, at approximately 
950 locations around the country, including Puerto Rico, the U.S. Virgin 
Islands, and Guam. Each Center is a partner with the State government in 
economic development activities to support and assist small businesses. 
The Office of Small Business Development Centers develops national 
policies and goals in accordance with the Small Business Development 
Center Act of 1980 (15 U.S.C. 631 note). It establishes standards for 
the selection and performance of Centers; monitors compliance with 
applicable Office of Management and Budget circulars and laws; and 
implements new approaches to improve operations of existing centers.
    The Office is responsible for coordinating program efforts with 
other internal activities of the Administration, as well as with the 
activities of other Federal agencies, and maintains liaison with other 
Federal, State, and local agencies and private organizations whose 
activities relate to Small Business Development Centers. It also 
assesses how the program is affected by substantive developments and 
policies in other areas of the agency, in other government agencies, and 
in the private sector.

For further information, contact the Office of Small Business 
Development Centers. Phone, 202-205-6766.

                                  Field Offices--Small Business Administration                                  
                (RO: Regional Office; DO: District Office; BO: Branch Office; POD: Post of Duty)                
----------------------------------------------------------------------------------------------------------------
                 Office                             Address                Officer in Charge         Telephone  
----------------------------------------------------------------------------------------------------------------
BOSTON, MA (RO).........................  Suite 812, 10 Causeway      Patrick McGowan...........    617-565-8415
                                           St., 02110.                                                          
  Augusta, ME (DO)......................  Rm. 512, 40 Western Ave.,   Leroy G. Perry............    207-622-8378
                                           04330.                                                               
  Boston, MA (DO).......................  Rm. 265, 10 Causeway St.,   Mary McAleney.............    617-565-5561
                                           02222-1093.                                                          
  Concord, NH (DO)......................  Suite 202, 143 N. Main      William K. Phillips.......    603-225-1400
                                           St., 03302-1258.                                                     
  Hartford, CT (DO).....................  2d Fl., 330 Main St.,       JoAnn VanVechten..........    203-240-4700
                                           06106.                                                               
  Montpelier, VT (DO)...................  Rm. 205, 87 State St.,      Kenneth Silvia............    802-828-4422
                                           05602.                                                               
  Providence, RI (DO)...................  5th Fl., 380 Westminister   Joseph Loddo..............    401-528-4561
                                           Mall, 02903.                                                         
  Springfield, MA (BO)..................  Rm. 212, 1550 Main St.,     Harold Webb...............    413-785-0268
                                           01103.                                                               
                                                                                                                
NEW YORK, NY (RO).......................  Rm. 31-08, 26 Federal       Thomas M. Bettridge.......    212-264-1450
                                           Plz., 10278.                                                         
  Buffalo, NY (DO)......................  Rm. 1311, 111 W. Huron      Franklin J. Sciortino.....    716-551-4305
                                           St., 14202.                                                          
  Elmira, NY (BO).......................  4th Fl., 333 E. Water St.,  James J. Cristofaro.......    607-734-8130
                                           14901.                                                               
  Hato Rey, PR (DO).....................  Suite 201, 252 Ponce de     (Vacancy).................    809-766-5572
                                           Leon Bldg., 00918.                                                   

[[Page 670]]

                                                                                                                
  Melville, NY (BO).....................  Suite 207W, 35 Pinelawn     Bert Haggerty.............    516-454-0750
                                           Rd., 11747.                                                          
  New York, NY (DO).....................  Rm. 3100, 26 Federal Plz.,  Aubrey A. Rogers..........    212-264-2454
                                           10278.                                                               
  Newark, NJ (DO).......................  4th Fl., 2 Gateway Center,  Francisco Marrero.........    201-645-2434
                                           07102.                                                               
  Rochester, NY (BO)....................  Rm. 410, 100 State St.,     Peter Flihan..............    716-263-6700
                                           14614.                                                               
  St. Croix, VI (POD)...................  Suite 165, 3013 Golden      Carl Christensen..........    809-778-5380
                                           Rock, 00820.                                                         
  St. Thomas, VI (POD)..................  3800 Crown Bay, 00802.....  (Vacancy).................    809-774-8530
  Syracuse, NY (DO).....................  Rm. 1071, 100 S. Clinton    B.J. Paprocki.............    315-448-0414
                                           St., 13260.                                                          
                                                                                                                
PHILADELPHIA, PA (RO)...................  Suite 201, 475 Allendale    Susan M. McCann...........    610-962-3700
                                           Rd., King of Prussia,                                                
                                           19406.                                                               
  Baltimore, MD (DO)....................  Suite 6220, 10 S. Howard    (Vacancy).................    410-962-4392
                                           St., 21201-2525.                                                     
  Charleston, WV (BO)...................  Rm. 309, 550 Eagan St.,     Bill Durham...............    304-347-5220
                                           25301.                                                               
  Clarksburg, WV (DO)...................  5th Fl., 168 W. Main St.,   Gregory Walter............    304-623-5631
                                           26301.                                                               
  Harrisburg, PA (BO)...................  Rm. 309, 100 Chestnut St.,  (Vacancy).................    717-782-3840
                                           17101.                                                               
  King of Prussia, PA (DO)..............  Suite 201, 475 Allendale    Clifton Toulson, Jr.......    610-962-3800
                                           Rd., 19406.                                                          
  Pittsburgh, PA (DO)...................  5th Fl., 960 Penn Ave.,     Althier Jones.............    412-644-2780
                                           15222.                                                               
  Richmond, VA (DO).....................  Suite 200, 1504 Santa Rosa  Charles J. Gaston.........    804-771-2400
                                           Rd., 23229.                                                          
  Washington, DC (DO)...................  1110 Vermont Ave. NW.,      Wilfredo Gonzalez.........    202-606-4000
                                           20005.                                                               
  Wilkes-Barre, PA (BO).................  Rm. 2327, 20 N.             (Vacancy).................    717-826-6497
                                           Pennsylvania Ave., 18701-                                            
                                           3589.                                                                
  Wilmington, DE (BO)...................  Suite 610, 824 N. Market    (Vacancy).................    302-573-6294
                                           St., 19801-3011.                                                     
                                                                                                                
ATLANTA, GA (RO)........................  Suite 496, S. Tower, 30309- Billy M. Paul.............    404-347-4999
                                           2482.                                                                
  Atlanta, GA (DO)......................  6th Fl., 1720 Peachtree     Laura Brown...............    404-347-4749
                                           Rd. NW., 30309.                                                      
  Birmingham, AL (DO)...................  Suite 200, 2121 8th Ave.    James C. Barksdale........    205-731-1344
                                           N., 35203-2398.                                                      
  Charlotte, NC (DO)....................  Suite A2015, 200 N.         Gary Cook.................    704-344-6563
                                           College St., 28202-2137.                                             
  Columbia, SC (DO).....................  Rm. 358, 1835 Assembly      Elliott Cooper............    803-765-5376
                                           St., 29201.                                                          
  Coral Gables, FL (DO).................  Suite 501, 1320 S. Dixie    Charles Anderson..........    305-536-5521
                                           Hwy., 33146-2911.                                                    
  Gulfport, MS (BO).....................  Suite 1001, 1 Hancock       Charles Gillis............    601-863-4449
                                           Plz., 39501-7758.                                                    
  Jackson, MS (DO)......................  Suite 400, 101 W. Capitol   Janita Stewart............    601-965-4378
                                           St., 39201.                                                          
  Jacksonville, FL (DO).................  Suite 100-B, 7825           Thomas Short..............    904-443-1900
                                           Baymeadows Way, 32256-                                               
                                           7504.                                                                
  Louisville, KY (DO)...................  Rm. 188, 600 Dr. M.L.       William Federhofer........    502-582-5971
                                           King, Jr. Pl., 40202.                                                
  Nashville, TN (DO)....................  Suite 201, 50 Vantage Way,  Dratin Hill...............    615-736-5881
                                           37228-1500.                                                          
CHICAGO, IL (RO)........................  Rm. 1975, 300 S. Riverside  Peter Barca...............    312-353-0357
                                           Plz., 60606-6617.                                                    
  Chicago, IL (DO)......................  Rm. 1250, 500 W. Madison    John L. Smith.............    312-353-4528
                                           St., 60661-2511.                                                     
  Cincinnati, OH (BO)...................  Suite 870, 525 Vine St.,    Ronald Carlson............    513-684-2814
                                           45202.                                                               
  Cleveland, OH (DO)....................  Suite 630, 1111 Superior    Gilbert Goldberg..........    216-522-4180
                                           Ave., 44194-2507.                                                    
  Columbus, OH (DO).....................  Suite 1400, 2 Nationwide    Frank D. Ray..............    614-469-6860
                                           Plz., 43215-2592.                                                    
  Detroit, MI (DO)......................  Rm. 515, 477 Michigan       Dwight Reynolds...........    313-226-6075
                                           Ave., 48226.                                                         
  Indianapolis, IN (DO).................  Suite 100, 429 N.           Janice Wolfe..............    317-226-7272
                                           Pennsylvania, 46204-1873.                                            
  Madison, WI (DO)......................  Rm. 213, 212 E. Washington  Curtis A. Charter.........    608-264-5261
                                           Ave., 53703.                                                         
  Marquette, MI (BO)....................  Suite 11, 228 W.            Paul Jacobson.............    906-225-1108
                                           Washington, 49885.                                                   
  Milwaukee, WI (BO)....................  Suite 400, 310 W.           Michael Kiser.............    414-297-3941
                                           Wisconsin Ave., 53203.                                               
  Minneapolis, MN (DO)..................  Suite 610, 100 N. 6th St.,  Edward A. Daum............    612-370-2324
                                           55403-1563.                                                          
  Springfield, IL (BO)..................  Suite 302, 511 W. Capitol   D.I. Brookhart............    217-492-4416
                                           Ave., 62704.                                                         
                                                                                                                
FORT WORTH, TX (RO).....................  Suite 108, 4300 Amon        James W. Breedlove........    817-885-6581
                                           Carter Blvd., 76155.                                                 
  Albuquerque, NM (DO)..................  Suite 320, 625 Silver Ave.  Tommy W. Dowell...........    505-766-1870
                                           SW., 87102.                                                          
  Corpus Christi, TX (BO)...............  Suite 1200, 606 N.          (Vacancy).................    512-888-3331
                                           Carancahua, 78476.                                                   
  El Paso, TX (DO)......................  Suite 320, 10737 Gateway    Carlos Mendoza............    915-540-5676
                                           W., 79935.                                                           
  Fort Worth, TX (DO)...................  Suite 114, 4300 Amon        James S. Reed.............    817-885-6500
                                           Carter Blvd., 76155.                                                 
  Harlingen, TX (DO)....................  Rm. 500, 222 E. Van Buren   Miguel Cavazos............    512-427-8533
                                           St., 78550-6855.                                                     
  Houston, TX (DO)......................  Suite 550, 9301 Southwest   Milton Wilson.............    210-427-8625
                                           Fwy., 77074-1591.                                                    
  Little Rock, AR (DO)..................  Suite 100, 2120 Riverfront  Joseph Foglia.............    501-324-5278
                                           Dr., 72202.                                                          
  Lubbock, TX (DO)......................  Suite 200, 1611 10th St.,   (Vacancy).................    806-743-7462
                                           79401.                                                               
  New Orleans, LA (DO)..................  Suite 2250, 365 Canal St.,  Abby Carter...............    504-589-6685
                                           70130.                                                               
  Oklahoma City, OK (DO)................  Suite 1300, 210 Park Ave.,  Ray Harshman..............    405-231-4301
                                           73102.                                                               
  San Antonio, TX (DO)..................  Rm. A-527, 727 Durango      Rodney Martin.............    210-229-5900
                                           Blvd., 78206-1204.                                                   
KANSAS CITY, MO (RO)....................  Suite 307, 323 W. 8th St.,  Bruce W. Kent.............    816-374-6380
                                           64105-1500.                                                          
  Cedar Rapids, IA (DO).................  Suite 200, 215 4th Ave.     James Thomson.............    319-362-6405
                                           SE., 52401-1806.                                                     
  Des Moines, IA (DO)...................  Rm. 749, 210 Walnut St.,    Conrad E. Lawlor..........    515-284-4422
                                           50309-2186.                                                          
  Kansas City, MO (DO)..................  Suite 501, 323 W. 8th St.,  Dorothy Kleeschulte.......    816-374-6708
                                           64105.                                                               

[[Page 671]]

                                                                                                                
  Omaha, NE (DO)........................  11145 Mill Valley Rd.,      Glenn Davis...............    402-221-4691
                                           68154.                                                               
  Springfield, MO (BO)..................  Suite 110, 620 S.           (Vacancy).................    417-864-7670
                                           Glenstone St., 65802-3200.                                           
                                                                                                                
  St. Louis, MO (DO)....................  Rm. 242, 815 Olive St.,     Robert L. Andrews.........    314-539-6600
                                           63101.                                                               
  Wichita, KS (DO)......................  Suite 510, 100 E. English   Elizabeth Auer............    316-269-6616
                                           St., 67202.                                                          
DENVER, CO (RO).........................  Suite 400, 721 19th St.,    Thomas J. Redder..........    303-844-0500
                                           80202-2599.                                                          
  Casper, WY (DO).......................  Rm. 4001, 100 E. B St.,     James Gallogly............    307-261-6500
                                           82602-2839.                                                          
  Denver, CO (DO).......................  Suite 426, 721 19th St.,    Antonio Valdez............    303-844-3984
                                           80202-2599.                                                          
  Fargo, ND (DO)........................  Rm. 219, 657 2d Ave. N.,    James L. Stai.............    701-239-5131
                                           58108-3086.                                                          
  Helena, MT (DO).......................  Rm. 334, 301 S. Park,       Jo Alice Mospan...........    406-441-1081
                                           59626.                                                               
  Salt Lake City, UT (DO)...............  Rm. 2237, 125 S. State      Stan Nakano...............    801-524-5804
                                           St., 84138-1195.                                                     
  Sioux Falls, SD (DO)..................  Suite 200, 110 S. Phillips  Gene Van Arsdale..........    605-330-4231
                                           Ave., 57102-1109.                                                    
                                                                                                                
SAN FRANCISCO, CA (RO)..................  20th Fl., 71 Stevenson      Viola Canales.............    415-975-4859
                                           St., 94105-2939.                                                     
  Agana, GU (BO)........................  Rm. 508, 238 Archbishop     Kenneth Lujan.............    671-472-7277
                                           F.C. Flores St., 96910.                                              
  Fresno, CA (DO).......................  Suite 107, 2719 N. Air      Peter Bergin..............    209-487-5189
                                           Fresno Dr., 93727-1547.                                              
  Glendale, CA (DO).....................  Suite 1200, 330 N. Brand    Alberto Alvarado..........    818-552-3210
                                           Blvd., 91203-2304.                                                   
  Honolulu, HI (DO).....................  Rm. 2314, 300 Ala Moana     Andrew PoePoe.............    808-541-2990
                                           Blvd., 96850-4981.                                                   
  Las Vegas, NV (DO)....................  Rm. 301, 301 E. Stewart     John Scott................    702-388-6611
                                           St., 89101.                                                          
  Phoenix, AZ (DO)......................  Suite 800, 2828 N. Central  James P. Guyer............    602-640-2316
                                           Ave., 85004-1093.                                                    
  Sacramento, CA (DO)...................  Rm. 215, 660 J St., 95814-  Roberta L. Conner.........    916-498-6410
                                           2413.                                                                
  San Diego, CA (DO)....................  Suite 550, 550 W. C St.,    George P. Chandler, Jr....    619-557-7252
                                           92188-3540.                                                          
  San Francisco, CA (DO)................  4th Fl., 211 Main St.,      Mark Quinn................    415-744-6820
                                           94105-1988.                                                          
  Santa Ana, CA (DO)....................  Suite 700, 200 W. Santa     Sandra Sutton.............    714-550-7420
                                           Ana Blvd., 92701.                                                    
SEATTLE, WA (RO)........................  Suite 1805, 1200 6th Ave.,  Gretchen Sorensen.........    206-553-5676
                                           98101-1128.                                                          
  Anchorage, AK (DO)....................  Rm. A36, 222 W. 8th Ave.,   Frank Cox.................    907-271-4022
                                           99513-7559.                                                          
  Boise, ID (DO)........................  Suite 290, 1020 Main St.,   Thomas Bergdoll...........    208-334-1696
                                           83702-5745.                                                          
  Portland, OR (DO).....................  Suite 500, 222 SW.          John L. Gilman............    503-326-2682
                                           Columbia, 97201-6695.                                                
  Seattle, WA (DO)......................  Suite 1700, 1200 6th Ave.,  Robert P. Meredith........    206-553-7310
                                           98101-1128.                                                          
  Spokane, WA (DO)......................  10th Fl., W. 601 1st Ave.,  Robert Wiebe..............    509-353-2810
                                           99204-0317.                                                          
----------------------------------------------------------------------------------------------------------------



                                              Disaster Area Offices                                             
----------------------------------------------------------------------------------------------------------------
                    Office                                           Address                         Telephone  
----------------------------------------------------------------------------------------------------------------
Atlanta, GA...................................  Suite 300, 1 Baltimore Pl., 30308...............    404-347-3771
Fort Worth, TX................................  Suite 102, 4400 Amon Carter Blvd., 76155........    817-885-7600
Niagara Falls, NY.............................  3d Fl., 360 Rainbow Blvd. S., 14303.............    716-282-4612
Sacramento, CA................................  Suite 208, 1825 Bell St., 95825.................    916-566-7246
----------------------------------------------------------------------------------------------------------------


                                             Regional Administrators                                            
----------------------------------------------------------------------------------------------------------------
                Region/Address                                    Administrator                      Telephone  
----------------------------------------------------------------------------------------------------------------
Boston, MA (Suite 812, 10 Causeway St., 02110)  Patrick K. McGowan..............................    617-565-8415
New York, NY (Rm. 31-08, 26 Federal Plz.,       Thomas M. Bettridge.............................    212-264-1450
 10278).                                                                                                        
Philadelphia, PA (Suite 201, 475 Allendale      Susan M. McCann.................................    610-962-3710
 Rd., King of Prussia, PA 19406.                                                                                
Atlanta, GA (Suite 496, 1720 Peachtree Rd.      Billy M. Paul...................................    404-347-4999
 NW., 30309).                                                                                                   
Chicago, IL (Rm. 1975, 300 S. Riverside Plz.,   Peter Barca.....................................    312-353-0357
 60606-6611).                                                                                                   
Fort Worth, TX (Suite 108, 4300 Amon Carter     James W. Breedlove..............................    817-885-6581
 Blvd., Ft. Worth, 76155).                                                                                      
Kansas City, MO (13th Fl., 911 Walnut St.,      Bruce W. Kent...................................    816-374-6380
 64106).                                                                                                        
Denver, CO (Suite 400, 721 19th St., 80202-     Thomas J. Redder................................    303-844-0500
 2599).                                                                                                         
San Francisco, CA (20th Fl., 71 Stevenson St.,  Viola Canales...................................    415-975-4804
 94105-2939).                                                                                                   
Seattle, WA (Park Pl. Bldg., S-1805, 1200 6th   Gretchen Sorensen...............................    206-553-0291
 Ave., 98101-1128).                                                                                             
----------------------------------------------------------------------------------------------------------------


[[Page 672]]



Sources of Information

General Information  Contact the nearest Small Business Administration 
field office listed above, or call the SBA answer desk. Phone, 800-8-
ASK-SBA. Fax, 202-205-7064. TDD, 704-344-6640.
SBA Online  The Administration's electronic bulletin board can be 
accessed by modem at 800-697-4636 (limited access), 900-463-4636 (full 
access), or 202-401-9600 (in the Washington, DC metropolitan area).
Internet  Information on the Small Business Administration is available 
on the Internet. Internet, http://www.sbaonline.sba.gov/. Gopher, 
gopher://gopher.sbaonline.sba.gov. FTP, ftp://ftp.sbaonline.sba.gov. 
Telnet, sbaonline.sba.gov.
    Access the U.S. Business Advisor at http://www.business.gov/.
Publications  A free copy of The Resource Directory for Small Business 
Management, a listing of for-sale publications and videotapes, is 
available from any local SBA office or the SBA answer desk.

For further information, contact the Office of Public Communications, 
Marketing and Customer Service, Small Business Administration, 409 Third 
Street SW., Washington, DC 20416. Phone, 202-205-6740.

________________________________________________________________________