[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

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[GRAPHIC] [TIFF OMITTED] T185193.066

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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, [email protected].

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/.