    [United States Government Manual]
    [June 02, 1998]
    [Pages 668-679]
    [From the U.S. Government Publishing Office, www.gpo.gov]

    SMALL BUSINESS ADMINISTRATION

    409 Third Street SW., Washington, DC 20416

    Phone, 202-205-6600. Fax, 202-205-7064. Internet, http://www.sba.gov/.
    Administrator                                     Aida Alvarez
    Deputy Administrator                              (vacancy)
    Chief Operating Officer                           Chris Sale
    Counselors to the Administrator                   Darryl Dennis, Jeanne
                                                              Saddler
    Chief of Staff                                    Paul Weech
    Director, Executive Secretariat                   Susan Walthall

    [[Page 669]]

    General Counsel                                   John T. Spotila
    Chief Counsel for Advocacy                        Jere W. Glover
    Inspector General                                 Karen S. Lee, Acting
    Chief Financial Officer                           Larry Wilson
    Director, National Advisory Council               Michael Novelli
    Associate Administrator for Disaster Assistance   Bernard Kulik
    Project Director for Field Operations             Brad Douglas
    Associate Administrator for Communications and    Edward Eugene Carlson
            Public Liaison
    Assistant Administrator for Congressional and     M. Kris Swedin
            Legislative Affairs
    Assistant Administrator for Equal Employment      Erline Patrick
            Opportunity and Civil Rights Compliance
    Assistant Administrator for Hearings and Appeals  Mona Mitnick
    Associate Deputy Administrator for Management     Lawrence Barrett,
            and Administration                                Acting
        Assistant Administrator for                   Thomas Dumaresq
                Administration
        Assistant Administrator for Human             Carolyn J. Smith
                Resources
        Chief Information Officer                     Lawrence Barrett
    Associate Deputy Administrator for                Betsy Myers
            Entrepreneurial Development
        Associate Administrator for Business          Monika Harrison
                Initiatives
        Associate Administrator for Small             Johnnie Albertson
                Business Development Centers
        Assistant Administrator for                   Eileen Cassidy, Acting
                International Trade
        Assistant Administrator for Native            (vacancy)
                American Affairs
        Assistant Administrator for Veterans          Clifton Toulson, Jr.
                Affairs
        Assistant Administrator for Women's           Sherrye Henry
                Business Ownership
    Associate Deputy Administrator for Capital        John Gray
            Access
        Associate Administrator for                   Jane Butler, Acting
                Financial Assistance
        Associate Administrator for                   Don Christensen
                Investment
        Associate Administrator for Surety            Robert J. Moffitt
                Guarantees
    Associate Deputy Administrator for Government     Richard Hayes
            Contracting and Minority Enterprise
            Development
        Associate Administrator for                   Judith A. Roussel
                Government Contracting
        Associate Administrator for Minority          William Fisher, Acting
                Enterprise Development
        Assistant Administrator for Size              Gary M. Jackson
                Standards
        Assistant Administrator for                   Daniel O. Hill
                Technology

    [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

    [[Page 670]]

    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

    Disaster Assistance  The Administration serves as the Federal disaster
    bank for nonfarm, private sector losses. It 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 of all sizes and
    nonprofit organizations. In addition, low interest long-term loans are
    available to small 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.

    Capital Access The Office of the Associate Deputy Administrator for
    Capital Access provides overall direction for the Small Business
    Administration's finance programs, which include the Office of Financial
    Assistance, the Investment Division, the Office of Surety Guarantees,
    and the Office of International Trade. These programs provide a
    comprehensive array of financial assistance programs for the smallest
    start-up businesses to those which have been in operation for a number
    of years and need new capital to expand. The programs range from those
    needing only a ``microloan'' to those ready for an infusion of private
    venture capital or long-term financing for the purchase of new equipment
    or facilities. In addition to lending to businesses which sell their
    products and services within the United States, the Office of Capital
    Access also provides direction for the SBA's business development and
    financial assistance programs for small business exporters.

    For further information, contact the Office of Capital Access. Phone,
    202-205-6657.

    Financial Assistance  The Administration provides its guaranty to
    lending institutions which make 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.''
        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 also provides small-scale financial and technical
    assistance to very small businesses, through loans and grants to
    nonprofit organizations that act as intermediaries.
        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

    [[Page 671]]

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    [[Page 672]]

    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.

    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 Guarantees. Phone,
    202-205-6540.

    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.
        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; Charlotte, NC; Chicago,
    IL; Cleveland, OH; Dallas, TX; Denver, CO; Detroit, MI; Long Beach, CA;
    Miami, FL; Minneapolis, MN; New Orleans, LA; New York, NY; Philadelphia,
    PA; Portland, OR; San Jose, CA; 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.

    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 maximize the
    number and dollar value 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

    [[Page 673]]

    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 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 are those involving major corporations and the
    national Business Information Center network.

    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 and the 7(j) management and technical assistance program.
        Participation in the 8(a) program may be made 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

    [[Page 674]]

    eligibility. The Division of Business 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 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. The Administration also
    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.

    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 an
    independent spokesperson within public policy councils for the more than
    22.5 million small businesses throughout the country. The Office is
    headed by the Chief Counsel for Advocacy, appointed by the President
    with the advice and consent of the Senate, who advances the views,
    concerns, and interests 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), which
    requires that Federal agencies analyze the impact of their regulations
    on small entities and consider less burdensome alternatives. The Chief
    Counsel is also empowered to file amicus curiae briefs in appellate
    court proceedings involving compliance with the act.
        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. It conducts economic and statistical
    research into matters affecting the competitive strength of small
    business and analyzes the impact of Federal laws, regulations, and
    programs on small businesses, making recommendations to policymakers 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

    [[Page 675]]

    demonstration projects to provide long-term training and counseling for
    women at every stage of their entrepreneurial career. There are
    currently 63 Women's Business Centers in 36 States, the District of
    Columbia, and Puerto Rico, which provide community-based training and
    assistance on financial, management, marketing, and procurement matters
    through a 5-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.
        With the combined expertise of its Women's Business Centers, OWBO
    has built a new, state-of-the-art Internet site to help women start or
    expand their businesses. This interactive site, the Online Women's
    Business Center       (http://www.onlinewbc.org), offers business
    principles and practices, management techniques, networking, a resource
    data base, industry news, information about SBA services, market
    research, and technology training.
        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. Featuring the group mentoring format
    of the WNET Roundtable, the program aims to help entrepreneurs avoid the
    common mistakes of new business owners.
        The Office of Government Contracting and OWBO have initiated a
    women's procurement pilot program with 14 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 PRO-Net Internet site, http://www.pro-net.sba.gov/.
        In addition, the Women's Prequalification Pilot Loan program,
    offered through district offices 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.sba.gov/
    womeninbusiness/ or http://www.onlinewbc.org/.

    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 directing 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

    [[Page 676]]

    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.

    Small Business Development Centers  Small Business Development Centers
    provide counseling and training to existing and prospective small
    business owners at approximately 1,000 locations around the country,
    operating in every State, Puerto Rico, the U.S. Virgin Islands, and
    Guam. The Small Business Development Center Program is a cooperative
    effort of the private sector, the educational community, and Federal,
    State, and local governments. It enhances economic development by
    providing small businesses with management and technical assistance. The
    Office of Small Business Development Centers develops national policies
    and goals in accordance with the Small Business Act of 1958, as amended.
    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.

    National Ombudsman  Under the Small Business Regulatory Enforcement
    Fairness Act of 1996, SBA created the Regulatory Fairness Program
    (RegFair) to provide small businesses a meaningful process to comment on
    enforcement and compliance by Federal agencies. The process enables
    agencies to be evaluated and held accountable for establishing an
    approach to enforcement that is more friendly to small businesses, and
    also provides recommendations for improving specific enforcement efforts
    affecting distinct business sectors.

    For further information, contact the Office of the National Ombudsman.
    Phone, 312-353-0880; or 800-REG-FAIR (734-3247) (toll-free). Internet,
    http://www.sba.gov/regfair/.

    Field Operations The Office of Field Operations provides direction to
    SBA's 69 district and 10 regional offices, acting as the liaison between
    the district offices, the agency's program delivery system, and the
    headquarters' administrative and program offices.

    For further information, contact the Office of Field Operations. Phone,
    202-205-6808.

                                      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.

    [[Page 677]]

      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..........    860-240-4670
                                               06106.
      Montpelier, VT (DO)...................  Rm. 205, 87 State St.,      Kenneth Silvia............    802-828-4422
                                               05602.
      Providence, RI (DO)...................  5th Fl., 380 Westminster    Joseph Loddo..............    401-528-4580
                                               Mall, 02903.
      Springfield, MA (BO)..................  Rm. 212, 1550 Main St.,     Harold Webb...............    413-785-0484
                                               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.....    716-551-4301
                                               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     Ivan Irizarry.............    787-766-5002
                                               Leon Ave., 00918.
      Melville, NY (BO).....................  Suite 207W, 35 Pinelawn     Burt Haggerty.............    516-454-0750
                                               Rd., 11747.
      New York, NY (DO).....................  Rm. 3100, 26 Federal Plz.,  Aubrey A. Rogers..........    212-264-1318
                                               10278.
      Newark, NJ (DO).......................  4th Fl., 2 Gateway Ctr.,    Francisco Marrero.........    973-645-2434
                                               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.............    315-471-9393
                                               St., 13260.
    PHILADELPHIA, PA (RO)...................  5th Fl., 900 Market St.,    Susan M. McCann...........    215-580-2807
                                               19107.
      Baltimore, MD (DO)....................  Suite 6220, 10 S. Howard    Allan Stephenson..........    410-962-4392
                                               St., 21201-2525.
      Charleston, WV (BO)...................  Rm. 309, 550 Egan St.,      (Vacancy).................    304-347-5220
                                               25301.
      Clarksburg, WV (DO)...................  5th Fl., 168 W. Main St.,   Jayne Armstrong...........    304-623-5631
                                               26301.
      Harrisburg, PA (BO)...................  Suite 108, 100 Chestnut     (Vacancy).................    717-782-3840
                                               St., 17101.
      King of Prussia, PA (DO)..............  Suite 201, 475 Allendale    Tom Tolan, Acting.........    215-962-3804
                                               Rd., 19406.
      Pittsburgh, PA (DO)...................  1000 Liberty Ave., 15222..  Al Jones..................    412-395-6560
      Richmond, VA (DO).....................  Suite 200, 1504 Santa Rosa  Charles J. Gaston.........    804-771-2400
                                               Rd., 23229.
      Washington, DC (DO)...................  Suite 900, 1110 Vermont     Darryl Harriston..........    202-606-4000
                                               Ave. NW., 20036.
      Wilkes-Barre, PA (BO).................  Rm. 2327, 20 N.             (Vacancy).................    717-826-6497
                                               Pennsylvania Ave., 18701-
                                               3589.
      Wilmington, DE (BO)...................  Suite 610, 824 N. Market    Joe Kopp..................    302-573-6381
                                               St., 19801-3011.
    ATLANTA, GA (RO)........................  Suite 496, 1720 Peachtree   Billy M. Paul.............    404-347-4999
                                               Rd. NW., S. Twr., 30309-
                                               2482.
      Atlanta, GA (DO)......................  6th Fl., 1720 Peachtree     Laura Brown...............    404-347-4147
                                               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.................    704-344-6561
                                               College St., 28202-2173.
      Columbia, SC (DO).....................  Rm. 358, 1835 Assembly      Elliott Cooper............    803-765-5339
                                               St., 29201.
      Gulfport, MS (BO).....................  Suite 203, 2909 13th St.,   Charles Gillis............    601-863-4449
                                               39501.
      Jackson, MS (DO)......................  Suite 400, 101 W. Capitol   Janita Stewart............    601-965-5371
                                               St., 39201.
      Jacksonville, FL (DO).................  Suite 100-B, 7825           Willie Gonzalez...........    904-443-1970
                                               Baymeadows Way, 32256-
                                               7504.
      Louisville, KY (DO)...................  Rm. 188, 600 Dr. M.L.       William Federhofer........    502-582-5971
                                               King, Jr. Pl., 40202.
      Miami, FL (DO)........................  3rd Fl., 1320 S. Dixie      Charles Anderson..........    305-536-5521
                                               Hwy., Coral Gables 33146-
                                               2911.
      Nashville, TN (DO)....................  Suite 201, 50 Vantage Way,  W. Clint Smith, Acting....    615-736-5881
                                               37228-1500.
    CHICAGO, IL (RO)........................  Suite 1240, 500 W.          Peter Barca...............    312-353-0357
                                               Madison, 60661-2511.
      Chicago, IL (DO)......................  Rm. 1250, 500 W. Madison    John L. Smith.............    312-353-4508
                                               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..............    317-226-7275
                                               Pennsylvania, 46204-1873.
      Madison, WI (DO)......................  Rm. 213, 212 E. Washington  Michael Kiser.............    608-264-5268
                                               Ave., 53703.
      Marquette, MI (BO)....................  501 S. Front St., 49885...  Paul Jacobson, Acting.....    906-225-1108
      Milwaukee, WI (BO)....................  Suite 400, 310 W.           Paul Roppuld, Acting......    414-297-1178
                                               Wisconsin Ave., 53203.
      Minneapolis, MN (DO)..................  Suite 610, 100 N. 6th St.,  Edward A. Daum............    612-370-2306
                                               55403-1563.
      Springfield, IL (BO)..................  Suite 302, 511 W. Capitol   Curtis Charter............    217-492-4232
                                               Ave., 62704.
    FORT WORTH, TX (RO).....................  Suite 108, 4300 Amon        G. Till Phillips..........    817-885-6581
                                               Carter Blvd., 76155.
      Albuquerque, NM (DO)..................  Suite 320, 625 Silver Ave.  Bob Blaney................    505-766-1870
                                               SW., 87102.
      Corpus Christi, TX (BO)...............  Suite 1200, 606 N.          Jesse Sendejo.............    512-888-3331
                                               Carancahus, 78476.
      El Paso, TX (DO)......................  Suite 320, 10737 Gateway    Carlos Mendoza............    915-540-5676
                                               W., 79935.
      Fort Worth, TX (DO)...................  Suite 114, 4300 Amon        Lavan Alexander...........    817-885-6500
                                               Carter Blvd., 76155.
      Harlingen, TX (DO)....................  Rm. 500, 222 E. Van Buren   Sylvia Zamponi............    956-427-8533
                                               St., 78550-6855.
      Houston, TX (DO)......................  Suite 550, 9301 Southwest   Milton Wilson.............    713-773-6500
                                               Fwy., 77074-1591.
      Little Rock, AR (DO)..................  Suite 100, 2120 Riverfront  Joseph Foglia.............    501-324-5277
                                               Dr., 72202.
      Lubbock, TX (DO)......................  Suite 200, 1611 10th St.,   Tommy Dowell..............    806-472-7462
                                               79401-2693.
      New Orleans, LA (DO)..................  Suite 2250, 1 Canal Pl.,    Ron Coulounge.............    504-589-6685
                                               70130.
      Oklahoma City, OK (DO)................  Suite 670, 200 NW. 5th      Raymond Harshman..........    405-231-5237
                                               St., 73102.
      San Antonio, TX (DO)..................  5th Fl., 727 E. Durango     Rodney Martin.............    210-472-5900
                                               Blvd., 78206.
    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.,    Cheryl Eftink.............    515-284-4657
                                               50309-2186.
      Kansas City, MO (DO)..................  Suite 501, 323 W. 8th St.,  Dorothy Kleeschulte.......    816-374-6708
                                               64105.
      Omaha, NE (DO)........................  11145 Mill Valley Rd.,      Glenn Davis...............    402-221-3620
                                               68154.
      Springfield, MO (BO)..................  Suite 110, 620 S.           James R. Combs............    417-864-7670
                                               Glenstone St., 65802-3200.

    [[Page 678]]

      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............    316-269-6566
                                               St., 67202.
    DENVER, CO (RO).........................  Suite 400, 721 19th St.,    Joan Coplan...............    303-844-0500
                                               80202-2599.
      Casper, WY (DO).......................  Rm. 4001, 100 E. B St.,     Steve Despain.............    307-261-6501
                                               82602-2839.
      Denver, CO (DO).......................  Suite 426, 721 19th St.,    Patricia Rivera-Barel.....    303-844-4028
                                               80202-2599.
      Fargo, ND (DO)........................  Rm. 219, 657 2d Ave. N.,    James L. Stai.............    701-239-5656
                                               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)..................  110 S. Phillips Ave.,       Gene Van Arsdale..........    605-330-4231
                                               57102-1109.
    SAN FRANCISCO, CA (RO)..................  Suite 2200, 455 Market      Viola Canales.............    415-744-1958
                                               St., 94105.
      Agana, GU (BO)........................  Suite 302, 400 Rt. 8,       Kenneth Lujan.............    671-472-7277
                                               Mongmong, 96927.
      Fresno, CA (DO).......................  Suite 200, 2719 N. Air      Tony Valdez...............    209-487-5189
                                               Fresno Dr., 93727-1547.
      Glendale, CA (DO).....................  Suite 1200, 330 N. Brand    Alberto Alvarado..........    818-552-3289
                                               Blvd., 91203-2304.
      Honolulu, HI (DO).....................  Rm. 2314, 300 Ala Moana     Andrew PoePoe.............    808-541-2965
                                               Blvd., 96850-4981.
      Las Vegas, NV (DO)....................  Rm. 301, 301 E. Stewart     John Scott................    702-388-6611
                                               St., 89125-2527.
      Phoenix, AZ (DO)......................  Suite 800, 2828 N. Central  Phil Mahoney..............    602-640-2400
                                               Ave., 85004-1025.
      Sacramento, CA (DO)...................  Rm. 215, 660 J St., 95814-  Teresa Bellmore...........    916-498-6432
                                               2413.
      San Diego, CA (DO)....................  Suite 550, 550 W. C St.,    George P. Chandler, Jr....    619-557-7252
                                               92101.
      San Francisco, CA (DO)................  6th Fl., 455 Market St.,    Mark Quinn................    415-744-8474
                                               94105.
      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)....................  222 W. 8th Ave., 99513-     Frank Cox.................    907-271-4022
                                               7559.
      Boise, ID (DO)........................  Suite 290, 1020 Main St.,   Thomas Bergdoll...........    208-334-1696
                                               83702-5745.
      Portland, OR (DO).....................  Suite 1050, 1515 SW. 5th    John L. Gilman............    503-326-2682
                                               Ave., 97201-6695.
      Seattle, WA (DO)......................  Suite 1700, 1200 6th Ave.,  Robert P. Meredith........    206-553-7310
                                               98101-1128.
      Spokane, WA (DO)......................  601 W. 1st Ave., 99201-     Robert Wiebe..............    509-353-2800
                                               3826.
    ----------------------------------------------------------------------------------------------------------------

                                                  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 Rd.,  Susan M. McCann................................    610-962-3710
     King of Prussia, 19406.
    Atlanta, GA (Suite 496, 1720 Peachtree Rd. NW.,  Billy M. Paul..................................    404-347-4999
     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., 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 (S-1805, 1200 6th Ave., 98101-1128)  Gretchen Sorensen..............................    206-553-0291
    ----------------------------------------------------------------------------------------------------------------

    Sources of Information

    Electronic Access  Information on the Small Business Administration is
    available electronically by various means. Internet, http://
    www.sba.gov/. Gopher, gopher://gopher.sbaonline.sba.gov. FTP, ftp://
    ftp.sbaonline.sba.gov. Telnet, sbaonline.sba.gov.
        Access the U.S. Business Adviser through the Internet, at http://
    www.business.gov/.
        Access the Administration's electronic bulletin board by modem at
    800-697-4636 (limited access), 900-463-4636 (full access), or 202-401-
    9600 (Washington, DC, metropolitan area).

    [[Page 679]]

    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.
    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 and
    Public Liaison, Small Business Administration, 409 Third Street SW.,
    Washington, DC 20416. Phone, 202-205-6740. Internet, http://
    www.sba.gov/.

    ------------------------------------------------------------------------