    [United States Government Manual]
    [June 01, 1999]
    [Pages 667-678]
    [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                              Fred Hochberg
    Chief Operating Officer                           Kris Marcy
    Counselor to the Administrator                    Darryl Dennis
    Chief of Staff                                    Kris Swedin
    Director, Executive Secretariat                   Susan Walthall
    General Counsel                                   Michael Schattman
    Chief Counsel for Advocacy                        Jere W. Glover
    Inspector General                                 Karen S. Lee, Acting
    Chief Financial Officer                           Joe Loddo, Acting
    Director, External Affairs                        Shirl Thomas
    Associate Administrator for Disaster Assistance   Bernard Kulik
    Associate Administrator for Field Operations      Tom Bettridge, Acting
    Associate Administrator for Communications and    Debra Silimeo
            Public Liaison
    Assistant Administrator for Congressional and     Jane Merkin
            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     Elizabeth A. Montoya
            and Administration
        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                   Mary McAleney, 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
                Financial Assistance
        Associate Administrator for                   Don Christensen
              Investment
    [[Page 668]]

        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          Jose Gutierrez
                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 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 debt and equity 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

    [[Page 669]]

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    [[Page 670]]

    and a surety bond guarantee program for small-business contractors.

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

    Financial Assistance  The Administration provides its guarantee to
    lending institutions and certified development companies which make
    loans to small-business concerns (SBC). SBC's use the loans to provide
    working capital and help finance the acquisition of land and buildings;
    the construction, conversion, or expansion of facilities; and the
    purchase of machinery and equipment. Since the enactment of the act of
    June 4, 1976 (90 Stat. 663), SBC's have also included farms.
        The Administration provides loan guarantees to finance commercial
    construction or building rehabilitation for sale, as well as revolving
    lines of credit. The Administration makes loans to qualified employee
    trusts and 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 makes loans for the
    installation of pollution control measures.
        The Administration makes loans and grants to nonprofit organizations
    that act as intermediaries to provide technical and small-scale
    financial assistance to very small businesses under SBA's Microloan
    Program. 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.

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

    Investment  The Administration licenses, regulates, and provides
    financial assistance to privately owned and managed 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
    throughout the United States.

    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 and export promotion services 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,
    the Department of Agriculture, and the

    [[Page 671]]

    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
    practicable participation by small, small disadvantaged, and women-owned
    small businesses in contracts awarded by the U.S. Government and
    subcontracts awarded by its large contractors.
        The Administration provides a wide range of services to small
    businesses to assist them in obtaining and fulfilling Government
    contracts and subcontracts. It sets aside or reserves applicable
    Government purchases for contracts competitively awarded to small
    business concerns and provides an appeal procedure for a low-bidding
    small business 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
    contractors and by referring qualified small businesses to them. It
    coordinates and manages setting of goals for contracts and subcontracts
    awarded to small businesses for all Federal agencies.
        The Administration maintains an Internet-based database (PRO-Net)
    that provides profiles of small businesses that can be readily accessed
    by Federal Government contracting officers, State and local governments,
    and other contractors seeking small business contractors,
    subcontractors, or partnerships for contracting opportunities. It
    cooperates with Government agencies in ensuring that small businesses
    have a fair opportunity to acquire new and surplus Government property,
    such as timber, royalty oil, strategic materials, and mineral leases,
    that is sold to the private sector.

    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 operates a cost-
    recovery, for-sale publications program on a variety of business
    management and growth topics.

    [[Page 672]]

        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  The Minority Enterprise Development
    Program, is designed to promote and strengthen businesses owned by
    socially and economically disadvantaged persons. Its components include
    the 8(a) program and the 7(j) management and technical assistance
    program, authorized under sections 8(a) and 7(j), respectively, of the
    Small Business Act.
        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 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
    may be 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
    executive education programs held at distinguished colleges and
    universities, 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
    from the private sector 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), as amended, 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 appeals of Federal agency actions brought by
    small entities.
        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

    [[Page 673]]

    and growth. It conducts economic and statistical research into matters
    affecting the competitive strength of small business and jobs created by
    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. Internet, http://www.sba.gov/advo/.

    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 women
    business owners, and to act as their advocate in the public and private
    sectors. It is the only office in the Federal Government specifically
    targeted to the Nation's women business owners, assisting them to become
    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 women's business centers in
    more than half of the States, the District of Columbia, and Puerto Rico.
    They provide community-based training and assistance on financial,
    management, marketing, and procurement matters through a 5-year grant
    that 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.
        A natural outgrowth of the women's business centers, the Online
    Women's Business Center, is an interactive, state-of-the-art website
    that offers virtually everything needed to start and build a successful
    business, including online training, mentoring, individual counseling,
    topic forums and newsgroups, market research, and information on all of
    the Administration's programs and services, plus links to many other
    resources.
        Women's business centers and SBA district offices, often in
    conjunction with the Service Corps of Retired Executives, provide
    mentoring for current and aspiring women business owners through the
    Women's Network for Entrepreneurial Training (WNET). There are now more
    than 130 WNET roundtable groups nationwide.
        The Office of Government Contracting and OWBO have initiated a
    women's procurement pilot program to increase opportunities for women in
    the Federal market. SBA is developing formal partnerships with women's
    business organizations and other Federal agencies to help achieve the
    target goal. Efforts include trade fairs, marketing activities,
    publications, and use of the Administration's procurement network, PRO-
    Net (Internet, http://www.pro-net.sba.gov/).
        The Administration's Small Disadvantaged Business Program promotes
    equity in Federal contracting to small businesses owned and operated by
    those who are socially and economically disadvantaged, including women.
    Businesses that join the program are automatically listed in PRO-Net.
        SBA has a number of loan programs to help women get the access to
    credit and capital they need. Among the most important for women are the
    Loan Prequalification Program, SBAExpress,

    [[Page 674]]

    and the MicroLoan Program. Through the Loan Prequalification Program, a
    woman entrepreneur gets help in packaging and marketing her loan. SBA
    agrees, in advance, to guarantee the loan for up to $250,000, as long as
    the borrower meets the lender's credit criteria. SBAExpress provides
    guaranties for loans of up to $150,000, including revolving lines of
    credit. Loans of up to $25,000 may, at the lender's discretion, be
    unsecured. The MiroLoan Program provides small loans--up to $25,000--
    through SBA-licensed intermediaries nationwide. Intermediaries also
    provide technical assistance.
        In addition, OWBO and the SBA Office of Technology jointly sponsor
    training seminars to expand the base of women receiving small business
    innovation research awards.

    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/. E-mail, owbo@sba.gov.

    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 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

    [[Page 675]]

    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.

    Regulatory Fairness Program  The Regulatory Fairness Program (RegFair)
    is mandated by Congress to provide small businesses with a meaningful
    way to comment on the enforcement and compliance activities of the
    Federal agencies that regulate them. Created by the Small Business
    Regulatory Enforcement Fairness Act of 1996, RegFair is headed by a
    National Ombudsman, who rates and evaluates efforts of Federal agencies
    to become more small-business friendly. Ten regional Regulatory Fairness
    Boards, comprised of 50 small business owners, support the Ombudsman by
    collecting information, making recommendations for agencies, and
    advising the Ombudsman on the regulatory climate faced by small
    businesses. Each board has five members who are small business owners,
    giving them an understanding of what small businesses face with Federal
    regulations.
        A small business can comment on Federal enforcement activities by
    contacting a Regulatory Fairness Board member, filing an agency
    appraisal form, or testifying at a RegFair public hearing. More than 500
    small businesses have already commented on Federal enforcement in the
    first 2 years of the program.

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

    Native American Affairs  The Office of Native American Affairs (ONAA)
    was established to assist and encourage the creation, development, and
    expansion of Native American-owned small businesses by developing and
    implementing initiatives designed to address those difficulties
    encountered by Native Americans in their quest to start, develop, and
    expand small businesses. In addition, in an effort to address the unique
    conditions encountered by reservation-based entrepreneurs, the
    Administration has established the Tribal Business Information Centers
    (TBIC's) pilot project. The project is a partnership arrangement between
    a tribe or tribal college and the Administration.
        TBIC's offer community access to business-related computer software
    technology, provide one-on-one business counseling, and hold business
    workshops on an ongoing basis. Additionally, all TBIC managers/
    facilitators have received extensive training in all SBA entrepreneurial
    development programs, lending programs, and procurement programs.
    Currently there are 18 centers located in Arizona, California,
    Minnesota, Montana, North Carolina, North Dakota, and South Dakota.
        Besides administering the TBIC pilot project, ONAA actively
    participates with other Administration program offices and other Federal
    agencies to ensure that Native American entrepreneurs are being actively
    encouraged to participate. Also,

    [[Page 676]]

    the Office maintains liasons with tribal governments, business
    organizations, and Native American community organizations.

    For further information, contact the Office of Native American Affairs.
    Phone, 202-205-7364.

    Communications and Public Liason  The Office of Communications and
    Public Liason (CPL) articulates, explains, and promotes the
    Administration's policy and goals to the national and local news media,
    the small-business community, opinion makers, advocates, and the general
    public. CPL develops and implements the Administration's public affairs
    strategy and coordinates liason efforts with small business advocates,
    trade associations, and elected officials throughout the country through
    the Press Office, the Office of External Affairs, and the Office of
    Marketing and Customer Service.
        The Press Office is responsible for developing and implementing
    effective communications strategies to ensure that the Administration's
    mission, programs, and services are articulated clearly and consistently
    to the media, the general public, and the small-business community. The
    Press Office disseminates news releases and media kits, internal and
    external information packages, audiovisual presentations, and
    publications.
        The Office of External Affairs works with small-business advocates
    and trade associations on matters of interest to the small-business
    community, and manages the national advisory council, a group of over
    100 individuals from the business community, and the activities of
    district advisory councils. The Office of External Affairs also acts as
    the Administration's liason to Governors, mayors, and other elected
    officials throughout the country to keep them informed of the
    Administration's programs and services.

    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/.

    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 K. McGowan........    617-565-8415
                                               St., 02110.
      Augusta, ME (DO)......................  Rm. 512, 40 Western Ave.,   Mary McAleney.............    207-622-8378
                                               04330.
      Boston, MA (DO).......................  Rm. 265, 10 Causeway St.,   Elaine Guiney.............    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.,       Marie Record..............    860-240-4700
                                               06106.
      Montpelier, VT (DO)...................  Rm. 205, 87 State St.,      Kenneth Silvia............    802-828-4422
                                               05602.
      Providence, RI (DO)...................  5th Fl., 380 Westminster    Joseph Loddo..............    401-528-4561
                                               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       Tom 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.......    607-734-1571
                                               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..........    212-264-2454
                                               10278.
      Newark, NJ (DO).......................  15th Fl., 2 Gateway Ctr.,   Francisco Marrero.........    973-645-3580
                                               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).....................  5th Fl., 401 S. Salina      B.J. Paprocki.............    315-471-9393
                                               St., 13202.
    PHILADELPHIA, PA (RO)...................  5th Fl., 900 Market St.,    Kerry Kirkland............    215-580-2807
                                               19107.
      Baltimore, MD (DO)....................  Suite 6220, 10 S. Howard    Allan Stephenson..........    410-962-4392
                                               St., 21201-2525.
      Charleston, WV (BO)...................  Suite 412, 405 Capitol      (Vacancy).................    304-347-5220
                                               St., 25301.
      Clarksburg, WV (DO)...................  320 W. Pike St., 26301....  Jayne Armstrong...........    304-623-5631

    [[Page 677]]

      Harrisburg, PA (BO)...................  Suite 108, 100 Chestnut     (Vacancy).................    717-782-3840
                                               St., 17101.
      Philadelphia, PA (DO).................  5th Fl., 900 Market St.,    Tom Tolan, Acting.........    215-580-2700
                                               19107.
      Pittsburgh, PA (DO)...................  Rm. 1128, 1000 Liberty      Al Jones..................    412-395-6560
                                               Ave., 15222.
      Richmond, VA (DO).....................  11th Fl., 400 N. 8th St.,   Charles J. Gaston.........    804-771-2400
                                               23240.
      Washington, DC (DO)...................  Suite 900, 1110 Vermont     Darryl Harriston..........    202-606-4000
                                               Ave. NW., 20036.
      Wilkes-Barre, PA (BO).................  Suite 407, 7 N. Wilkes-     (Vacancy).................    717-826-6497
                                               Barre Blvd., 18702.
      Wilmington, DE (BO)...................  1318 N. Market St., 19801-  John Abbott, Acting.......    302-571-5225
                                               3011.
    ATLANTA, GA (RO)........................  Suite 496, 1720 Peachtree   Billy Max Paul............    404-347-4999
                                               Rd. NW., S. Twr., 30309.
      Atlanta, GA (DO)......................  6th Fl., 1720 Peachtree     Charles Anderson..........    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.         Bynum Rudisill, Acting....    704-344-6563
                                               College St., 28202-2173.
      Columbia, SC (DO).....................  Rm. 358, 1835 Assembly      Elliott Cooper............    803-765-5376
                                               St., 29201.
      Gulfport, MS (BO).....................  Suite 203, One Government   Charles Gillis............    601-863-4449
                                               Plaza, 39501.
      Jackson, MS (DO)......................  Suite 400, 101 W. Capitol   Janita Stewart............    601-965-5371
                                               St., 39201.
      Jacksonville, FL (DO).................  Suite 100-B, 7825           Wilfredo Gonzalez.........    904-443-1970
                                               Baymeadows Way, 32256-
                                               7504.
      Louisville, KY (DO)...................  Rm. 188, 600 Dr. M.L.       William Federhofer........    502-582-5978
                                               King, Jr. Pl., 40202.
      Miami, FL (DO)........................  7th Fl., 100 S. Biscayne    Gary Cook.................    305-536-5533
                                               Blvd., 33131.
      Nashville, TN (DO)....................  Suite 201, 50 Vantage Way,  Phil Mahoney..............    615-736-5850
                                               37228-1500.
    CHICAGO, IL (RO)........................  Suite 1240, 500 W. Madison  Peter Barca...............    312-353-0357
                                               St., 60661.
      Chicago, IL (DO)......................  500 W. Madison St., 60661.  Anthony McMahon, Acting...    312-353-5031
      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)......................  Suite 515, 477 Michigan     Richard Tempkin, Acting...    313-226-6075
                                               Ave., 48226.
      Indianapolis, IN (DO).................  Suite 100, 429 N.           Janice Wolfe..............    317-226-7272
                                               Pennsylvania Ave., 46204-
                                               1873.
      Madison, WI (DO)......................  Suite 213, 212 E.           Michael Kiser.............    608-264-5261
                                               Washington Ave., 53703.
      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............    217-492-4416
                                               Ave., 62704.
    DALLAS, TX (RO).........................  Suite 108, 4300 Amon        Rueben Guerro.............    817-885-6581
                                               Carter Blvd., Ft. Worth,
                                               TX 76155.
      Albuquerque, NM (DO)..................  Suite 320, 625 Silver Ave.  Ronald Coulonge, Acting...    505-766-1870
                                               SW., 87102.
      Corpus Christi, TX (BO)...............  Suite 101, 606 N.           Jesse Sendejo.............    361-888-3331
                                               Carancahua, 78476.
      El Paso, TX (DO)......................  Suite 320, 10737 Gateway    Carlos Mendoza............    915-633-7007
                                               W., 79935.
      Fort Worth, TX (DO)...................  Suite 114, 4300 Amon        Lavan Alexander, Acting...    817-885-6500
                                               Carter Blvd., 76155.
      Harlingen, TX (DO)....................  Rm. 500, 222 E. Van Buren   Sylvia Zamponi............    956-427-8625
                                               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.............    501-324-5871
                                               Dr., 72202.
      Lubbock, TX (DO)......................  Rm. 408, 1205 Texas Ave.,   Tommy Dowell..............    806-472-7462
                                               79401-2693.
      New Orleans, LA (DO)..................  Suite 2250, 1 Canal Pl.,    Randy Randolph............    504-589-2744
                                               70130.
      Oklahoma City, OK (DO)................  Suite 1300, 210 Park Ave.,  Raymond Harshman..........    405-231-5521
                                               73102.
      San Antonio, TX (DO)..................  5th Fl., 727 E. Durango     Rodney Martin.............    210-472-5904
                                               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, Acting.....    515-284-4026
                                               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...............    402-221-4691
                                               68154.
      Springfield, MO (BO)..................  Suite 110, 620 S.           James R. Combs............    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............    316-269-6566
                                               St., 67202.
    DENVER, CO (RO).........................  Suite 400, 721 19th St.,    Kathleen Piper............    303-844-0500
                                               80202-2599.
      Casper, WY (DO).......................  Rm. 4001, 100 E. B St.,     Steve Despain.............    307-261-6500
                                               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.............    701-239-5131
                                               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...............    801-524-3200
                                               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)..................  Suite 2200, 455 Market      Viola Canales.............    415-744-2118
                                               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      Antonio Valdez............    559-487-5791
                                               Fresno Dr., 93727-1547.
      Glendale, CA (DO).....................  Suite 1200, 330 N. Brand    Alberto Alvarado..........    818-552-3210
                                               Blvd., 91203-2304.
      Honolulu, HI (DO).....................  Rm. 2-235, Box 50207, 300   Andrew Poepoe.............    808-541-2990
                                               Ala Moana Blvd., 96850-
                                               4981.
      Las Vegas, NV (DO)....................  Suite 100, 300 Las Vegas    John Scott................    702-388-6611
                                               Blvd. South, 89101.
      Phoenix, AZ (DO)......................  Suite 800, 2828 N. Central  Bob Blaney................    602-640-2316
                                               Ave., 85004-1025.
      Sacramento, CA (DO)...................  Rm. 215, 660 J St., 95814-  Jim O'Neal................    916-498-6410
                                               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.

    [[Page 678]]

    SEATTLE, WA (RO)........................  Suite 1805, 1200 6th Ave.,  Gretchen Sorensen.........    206-553-8547
                                               98101-1128.
      Anchorage, AK (DO)....................  Rm. A36, Box 67, 222 W.     Frank Cox.................    907-271-4022
                                               8th Ave., 99513-7559.
      Boise, ID (DO)........................  Suite 290, 1020 Main St.,   Thomas Bergdoll...........    208-334-1696
                                               83702-5745.
      Portland, OR (DO).....................  Suite 1050, 1515 SW. 5th    Phil Gentry...............    503-326-5210
                                               Ave., 97201-6695.
      Seattle, WA (DO)......................  Suite 1700, 1200 6th Ave.,  Robert P. Meredith........    206-553-7040
                                               98101-1128.
      Spokane, WA (DO)......................  Suite 200, 801 W.           Robert Wiebe..............    509-353-2808
                                               Riverside, 99201.
    ----------------------------------------------------------------------------------------------------------------

                                                  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).
    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/.