    [United States Government Manual]
    [June 01, 2005]
    [Pages 517-528]
    [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, www.sba.gov.
    Administrator                                     Hector V. Barreto
    Deputy Administrator                              Melanie Sabelhaus
    Chief Counsel for Advocacy                        Thomas Sullivan
    Chief Financial Officer                           Thomas Dumaresq
    Chief Operating Officer and Chief Information     Stephen Galvan
            Officer
    Chief of Staff                                    Stephen Galvan
    Counselor to the Administrator                    (vacancy)
    General Counsel                                   David Javdan
    Inspector General                                 Harold Damelin
    Associate Administrator for Disaster Assistance   Herbert Mitchell
    Associate Administrator for Communications and    Raul Cisneros
            Public Liaison
    Assistant Administrator for Congressional and     Anthony Bedell
            Legislative Affairs
    Assistant Administrator for Equal Employment      Rose Trujillo
            Opportunity and Civil Rights Compliance
    Associate Administrator for Field Operations      Michael Pappas
    Assistant Administrator for Hearings and Appeals  Delorice Ford
    Associate Deputy Administrator for Capital        Ronald Bew
            Access
        Associate Administrator for                   James Rivera
                Financial Assistance
        Associate Administrator for                   Manuel Rosales
                International Trade
        Associate Administrator for                   Harry Haskins, Acting
              Investment
    [[Page 518]]

        Associate Administrator for Surety            Johnnie Albertson
                Guarantees
    Associate Deputy Administrator for                Cheryl Mills
            Entrepreneurial Development
        Associate Administrator for Business          Ellen M. Thrasher
                Initiatives
        National Director for Native                  Holly Schick, Acting
                American Affairs
        Associate Administrator for Small             Antonio Doss
                Business Development Centers
        Associate Administrator for Veterans          William Elmore
                Business Development
        Associate Administrator for Women's           Wilma Goldstein
                Business Ownership
    Associate Deputy Administrator for Government     Allegra McCullough
            Contracting and Business Development
        Associate Administrator for                   (vacancy)
                Government Contracting
        Associate Administrator for Business          Albert Stubberfield
                Development
        Associate Administrator for HUBZone           Michael McHale
                Empowerment Contracting
    Associate Deputy Administrator for Management     Lewis Andrews
            and Administration
        Assistant Administrator for                   Darryl Hairston
                Administration
        Chief Human Capital Officer                   Richard Brechbiel
        Director, Executive Secretariat               Donald Swain

    [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.) and the Small
    Business Investment Act of 1958 (15 U.S.C. 661).

    Activities

    Advocacy  The Office of Advocacy is mandated by Congress to serve as an
    independent voice within the Federal Government for the approximately
    23.7 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 Office monitors the compliance of Federal agencies with the
    Regulatory Flexibility Act--the law that requires agencies to analyze
    the impact of their regulations on small entities and consider less
    burdensome alternatives. The Office is one of the leading national
    sources for information on the state of

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    [[Page 520]]

    small business and the issues that affect small business success and
    growth. It conducts economic and statistical research into matters
    affecting the competitive strength of small business and 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. E-mail, advocacy@sba.gov.

    Business and Community Initiatives  SBA develops and cosponsors
    counseling, education, training, and information resources for small
    businesses. It has forged ongoing partnerships with resource partners to
    deliver most of the business education and training programs offered
    annually at low cost. Face-to-face counseling is provided free of charge
    by SCORE (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. Most BICs are stand-alone centers in community-based
    locations.
        The Office of International Visitors briefs foreign delegations,
    business organizations, and international non-governmental organizations
    (NGOs) on the SBA model.
        In addition to education and training events, SBA offers
    publications on a variety of business management and growth topics.
    These publications are free on SBA's Web site at www.sba.gov.

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

    Capital Access The Office of the Associate Deputy Administrator for
    Capital Access provides overall direction for SBA's financial programs.
    They offer a comprehensive array of debt and equity programs for startup
    and expanding businesses. In addition to lending to businesses which
    sell their products and services domestically, the Office provides
    financial assistance programs for small business exporters, in the form
    of loan programs and technical assistance. The Office also oversees a
    surety bond guarantee program for small business contractors and SBA's
    lender oversight programs.

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

    Disaster Assistance  The Administration serves as the Federal disaster
    bank for nonfarm, private sector losses. It lends money to help the
    victims of disasters 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.

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

    Financial Assistance  SBA provides its guarantee to lending institutions
    and certified development companies which make loans to small-business
    concerns, including farms, which in turn 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.

    [[Page 521]]

        SBA provides revolving lines of creditand loan guarantees to finance
    commercial construction or building rehabilitation for sale. It 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. SBA also
    makes loans for the installation of pollution control measures.
        The Administration also provides small-scale financial and technical
    assistance to very small businesses through loans and grants to
    nonprofit organizations that act as intermediaries under SBA's microloan
    program.

    For further information, contact the nearest Small Business
    Administration district office listed in the following text.

    Government Contracting  The Office of Government Contracting (GC)
    advocates on behalf of small, small-disadvantaged, and women-owned
    businesses to increase their share of awarded Federal contracts and
    large prime subcontracts. GC oversees the following programs: Prime
    Contracts, Procurement Breakout, Subcontracting Assistance, Natural
    Resources Sales, Federal Contract Assistance for Women Business Owners,
    and Certificate of Competency.

    For further information, contact the nearest Office of Government
    Contracting or visit our Web site. Phone, 202-205-6459. Internet,
    www.sba.gov/GC/indexcontacts.html.

    Procurement Policy  The Office of Procurement Policy evaluates and
    develops policies to strengthen and improve small business participation
    in Federal procurement. The Office is responsible for developing
    policies and procedures for small business procurement programs,
    establishing small-business-size standards, providing oversight and
    policy guidance for the Small Business Innovative Research (SBIR) and
    Small Business Technology Transfer (STTR) programs.

    For further information, visit our Web site at www.sba.gov/gcbd/
    indexpolicy.html. Phone, 202-401-8150.

    International Trade  The Office of International Trade (OIT) supports
    small business access to export markets and participates in broader U.S.
    Government activities related to trade policy and international
    commercial affairs to encourage an environment of trade and
    international economic policies favorable to small businesses. These
    activities are designed to facilitate both entrance and growth into the
    international marketplace, including educational initiatives, technical
    assistance programs and services, and risk management and trade finance
    products.
        SBA's export promotion activities for small business combine
    financial and technical assistance through a nationwide delivery system.
    Export-finance products include long-term, short-term, and revolving
    lines of credit through SBA's 7(a) program administered by a staff of
    field-based export specialists located in U.S. Export Assistance Centers
    (USEAC). They work with the U.S. Department of Commerce and the Export
    Import Bank of the United States and the effort is leveraged through
    close collaboration with commerical lenders, Small Business Development
    Centers, and local business development organizations.
        Available financial assistance can provide a business with up to
    $1.25 million with terms as long as 25 years for real estate and 15
    years for equipment. Export Working Capital program loans generally
    provide 12 months of renewable financing. For smaller loan amounts SBA
    Export Express has a streamlined, quick approval process for businesses
    needing up to $250,000. Technical assistance includes making available
    to current and potential small business exporters, export training,
    export legal assistance, collaboration with the 30 Small Business
    Development Centers with international trade expertise and to the
    Government's USA Trade Information Center.
        SBA is required to work with the Government's international trade
    agencies to ensure that small business is adequately represented in
    bilateral and multilateral trade negotiations. OIT

    [[Page 522]]

    represents SBA and the Government on two official U.S. Government-
    sponsored multilateral organizations concerned with small business--the
    Organization for Economic Cooperation and Development and Asia-Pacific
    Economic Cooperation. SBA's trade policy involvement is carried out with
    the U.S. Trade Representative and the Commerce Department's
    International Trade Administration. Private sector input on trade policy
    is achieved through participation with the small business industry
    sector advisory committee on international trade. OIT also lends support
    to the Government's key trade initiatives such as Trade Promotion
    Authority, the Central American Free Trade Area, and the Free Trade Area
    of the Americas. The Commerce and State Departments, Agency for
    International Development, and the U.S. Trade Representative look to the
    SBA to share ideas and provide small business technical expertise to
    certain countries.
        OIT's office in Washington, DC, coordinates SBA's participation/
    operation of USEACs, including budget, policy and administration. It
    participates in a variety of interagency trade efforts and financial
    programs. OIT provides representations to the cabinet-level Trade
    Promotion Coordinating Committee concerning trade and international
    economic policy. It also participates on the Industry Sector Advisory
    Council on Small Business International Trade and the congressionally
    sponsored Task Force on Small Business International Trade. SBA's
    Administrator is also a sitting member of the President's Export
    Council.
        OIT's field offices provide a nationwide network of service delivery
    for small business exporters. Full-time SBA export specialists staff 16
    USEACs. Their outreach efforts are supplemented by the 70 SBA district
    offices by employees with collateral duties as international trade
    officers.

    For further information, contact the Office of International Trade.
    Phone, 202-205-6720. Internet, www.sba.gov/oit.

    Venture Capital  The Small Business Investment Company (SBIC) program
    was created in 1958 to fill the gap between the availability of venture
    capital and the needs of small businesses in startup and growth
    situations. The structure of the program is unique in that SBICs are
    privately owned and managed venture capital funds licensed and regulated
    by the SBA that use their own capital, plus funds borrowed with an SBA
    guarantee to make equity and debt investments in qualifying small
    businesses. The New Markets Venture Capital (NMVC) program is a sister
    program focused on low-income areas, which augments the contribution
    made by SBICs to U.S. small businesses.
        The Goverment itself does not make direct investments or target
    specific industries in the SBIC program. Fund portfolio management and
    investment decisions are left to qualified private fund managers. To
    obtain an SBIC license, an experienced team of private equity managers
    must secure minimum commitments from private investors of either $5
    million (for a debenture fund) or $10 million (for an equity fund).
    SBICs may only invest in ``small businesses'' having net worth of less
    than $18 million and prior 2 years' average after-tax income of less
    than $6 million.

    For further information, contact the Investment Division. Phone, 202-
    205-6510. Internet, www.sba.gov/inv.

    HUBZone Program  The HUBZone program provides Federal contracting
    assistance for qualified small businesses located in historically
    underutilized business zones in an effort to increase employment,
    capital investment, and economic development in these areas, including
    Indian reservations. The Office coordinates efforts with other Federal
    agencies and local municipal governments to leverage resources to assist
    qualified small businesses located in HUBZone areas. The program
    provides for set-asides, sole source awards, and price evaluation
    preferences for HUBZone small businesses and establishes goals for
    awards to such firms.

    For further information, visit our Web site at www.sba.gov/hubzone.
    Phone, 202-205-6731.

    [[Page 523]]

    Business Development  The Office of Business Development manages the
    Small Disadvantaged Business and 8(a) Business Development Programs that
    help eligible small disadvantaged business concerns compete in the
    Nation's mainstream economy. Specifically, it provides business
    counseling and training, management and technical assistance, and access
    to procurement opportunities. Its responsibilities include issuing
    program policies and plans, marketing and evaluating program
    implementation, coordinating with other SBA offices to ensure program
    integration, and making program eligibility decisions.

    For further information, visit our Web site at www.sba.gov/gcbd. Phone,
    202-205-5180.

    Native American Affairs  The Office of Native American Affairs 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, SBA has
    established the Tribal Business Information Centers (TBIC) pilot
    project. The project is a partnership arrangement between a tribe or
    tribal college and SBA.
        TBICs 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 16 centers located in California, Minnesota,
    Montana, North Carolina, North Dakota, and South Dakota.
        In addition to the TBIC project, the Office actively participates
    with other SBA program offices and other Federal agencies to ensure that
    Native American entrepreneurs are being actively encouraged to
    participate. Also, the Office maintains liaisons with tribal
    governments, business organizations, and Native American community
    organizations.

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

    Regulatory Fairness Program  The Regulatory Fairness Program (RegFair)
    provides small businesses with a meaningful way to comment on the
    enforcement and compliance activities of the Federal agencies that
    regulate them. 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 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 volunteer 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 comment form, or testifying at a RegFair public hearing.

    For further information, contact the Office of the National Ombudsman.
    Phone, 202-205-2417 or 888-REG-FAIR (888-734-3247). Internet,
    www.sba.gov/ombudsman.

    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, Guam,
    and American Samoa. The Small Business Development Center Program is a
    cooperative effort of the private sector, the educational community, and
    Federal, State, and local governments. It enhances economic development
    by providing small businesses with management and technical assistance.
        The Office of Small Business Development Centers develops national

    [[Page 524]]

    policies and goals. 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 SBA and with the activities of other
    Federal agencies. It maintains liaison with other Federal, State, and
    local agencies and private organizations whose activities relate to
    Small Business Development Centers, and it 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.

    Surety Bonds  Through its Surety Bond Guarantee Program, SBA helps small
    and emerging contractors to obtain the bonding necessary for them to bid
    on and perform contracts up to $2 million. SBA guarantees bonds that are
    issued by participating surety companies, and reimburses between 70% and
    90% of losses and expenses incurred if the contractor defaults.
    Construction and service contractors are eligible for the program if
    they meet surety underwriting requirements and their average annual
    receipts for the last 3 fiscal years, including affiliates, do not
    exceed $6 million. Manufacturing firms qualify based on their number of
    employees.

    For further information, contact the Office of Surety Guarantees. Phone,
    202-205-6540. Internet, www.sba.gov/osg.

    Technology  The Office of Technology has authority and responsibility
    for directing and monitoring the governmentwide activities of the Small
    Business Innovation Research Program (SBIR) and the Small Business
    Technology Transfer Program (STTR). In accordance with the Small
    Business Reauthorization Act of 2000 and the Small Business Technology
    Transfer Reauthorization Act of 2001, 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 and STTR 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 online
    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 programs each year to Congress.
        The Office has four main objectives: to expand and improve SBIR and
    STTR; 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 and STTR,
    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. E-mail, technology@sba.gov.

    Veterans Affairs  The Office of Veterans Business Development (OVBD) is
    responsible for the formulation, execution, and promotion of policies
    and programs of the SBA that provide assistance to small-business
    concerns owned and controlled by veterans and small-business concerns
    owned and controlled by service-disabled veterans. Additionally, OVBD
    serves as an ombudsman for the full consideration of veterans in all
    programs of the SBA.
        OVBD established and oversees four veterans business outreach
    centers, which are designed to provide tailored entrepreneurial
    development services such as business training, counseling, and
    mentoring to service-disabled veteran entrepreneurs. These centers

    [[Page 525]]

    serve as a vast and in-depth resource for a successful veteran
    entrepreneurial experience. The Office also establishes and maintains
    relationships with Veterans Service Organizations, the Departments of
    Defense, Labor, and Veterans Affairs, the National Veterans Business
    Development Corporation, and other organizations to ensure that the
    entrepreneurial needs of veterans, service-disabled veterans, and self-
    employed members of the Reserve and National Guard are being met.

    For further information, contact the Office of Veterans Business
    Development. Phone, 202-205-6773. Internet, www.sba.gov/vets.

    Women's Business Ownership  The Office of Women's Business Ownership
    (OWBO) provides assistance to current and potential women business
    owners and acts as their advocate in the public and private sectors.
    OWBO assists women in becoming full partners in economic development
    through technical, financial, and management information training,
    business skills counseling, and research. OWBO offers their services
    through a network of local SBA offices, Women's Business Centers (WBCs),
    and mentoring roundtables.
        At nearly 100 WBCs, business owners and those interested in starting
    businesses can receive long-term, in-depth business training and
    counseling as well as access to SBA's programs and services. Each WBC is
    tailored to meet the needs of its individual community and places a
    special emphasis on helping women who are socially and economically
    disadvantaged. Assistance covers every stage of business from startup to
    going public. There are WBCs in almost every State and U.S. territory.
        The Women's Network for Entrepreneurial Training (WNET) brings
    experienced and emerging entrepreneurs together with volunteer
    counselors from SCORE (Service Corps of Retired Executives), in
    roundtable formats for mentoring and peer support. There are nearly 200
    WNET roundtables nationwide, coordinated through SBA district offices,
    WBCs, and SCORE chapters.
        OWBO works with Federal agencies and private sector organizations to
    leverage its resources and improve opportunities for women-owned
    businesses to access Federal procurement and international trade
    opportunities. OWBO also works with the National Women's Business
    Council and the Department of Labor to maintain the most current
    research on women's business ownership.
        SBA has loanguaranty programs to help women access the credit and
    capital they need to start and grow successful businesses, including the
    loan prequalification program and SBAExpress. Through the loan
    prequalification program, entrepreneurs get help in packaging and
    marketing their loan applications. SBAExpress offers guaranties on loans
    of up to $150,000, including revolving lines of credit and unsecured
    smaller loans. The microloan program offers direct small loans, combined
    with business assistance, through SBA-licensed intermediaries
    nationwide. The SBA does not offer grants for small businesses.

    For further information, contact the Women's Business Ownership
    representative in your SBA district office, or contact the Office of
    Women's Business Ownership. Phone, 202-205-6673. E-mail, owbo@sba.gov.
    Internet, www.onlinewbc.gov.

    Field Operations The Office of Field Operations provides management
    direction and oversight to SBA's 10 regional and 68 district 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)
    ----------------------------------------------------------------------------------------------------------------
                     Office                             Address                Officer in Charge         Telephone
    ----------------------------------------------------------------------------------------------------------------
    ATLANTA, GA (RO)........................  Suite 1800, 233 Peachtree   Nuby Fowler...............    404-331-4999
                                               St. NE., 30303.
      Atlanta, GA (DO)......................  Suite 1800, 233 Peachtree   Terri Denison.............    404-331-0100
                                               St. NE., 30303.

    [[Page 526]]

      Birmingham, AL (DO)...................  Suite 201, 801 Tom Martin   Michael Ricks.............    205-290-7101
                                               Dr., 35211.
      Charlotte, NC (DO)....................  Suite 300, 6302 Fairview    Lee Cornelison............    704-344-6563
                                               Rd., 28210-2227.
      Columbia, SC (DO).....................  Rm. 358, 1835 Assembly      Elliot Cooper.............    803-765-5339
                                               St., 29201.
      Gulfport, MS (BO).....................  Suite 203, 2909 13th St.,   Judith Adcock.............    228-863-4449
                                               39501.
      Jackson, MS (DO)......................  210 E, 210 E. Capital St.,  Janita Stewart............    601-965-4378
                                               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.       Steve Ayers...............    502-582-5978
                                               King, Jr. Pl., 40202.
      Miami, FL (DO)........................  7th Fl., 100 S. Biscayne    Pancho Marrero............    305-536-5533
                                               Blvd., 33131.
      Nashville, TN (DO)....................  Suite 201, 50 Vantage Way,  Clint Smith...............    615-736-5850
                                               37228-1500.
    BOSTON, MA (RO).........................  Suite 812, 10 Causeway      Charles Summers...........    617-565-8415
                                               St., 02222.
      Augusta, ME (DO)......................  Rm. 512, 40 Western Ave.,   Mary McAleney.............    207-622-8378
                                               04330.
      Boston, MA (DO).......................  Suite 265, 10 Causeway      Mark Haywood, Acting......    617-565-5561
                                               St., 02222.
      Concord, NH (DO)......................  Suite 202, 143 N. Main      Bernard Sweeney...........    603-225-1400
                                               St., 03301.
      Hartford, CT (DO).....................  2d Fl., 330 Main St.,       Marie Record..............    860-240-4700
                                               06106.
      Montpelier, VT (DO)...................  Suite 205, 87 State St.,    Kenneth Silvia............    802-828-4422
                                               05602.
      Providence, RI (DO)...................  5th Fl., 380 Westminster    Steve Umberger............    401-528-4561
                                               Mall, 02903.
      Springfield, MA (BO)..................  Suite 410, 1441 Main St.,   Bob Nelson................    413-785-0484
                                               01103.
    CHICAGO, IL (RO)........................  Suite 1250, 500 W. Madison  Patrick Rea...............    312-353-4493
                                               St., 60661.
      Chicago, IL (DO)......................  500 W. Madison St., 60661.  Judith Roussel............    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., 44114-2507.
      Columbus, OH (DO).....................  Suite 1400, 2 Nationwide    Tom Mueller, Acting.......    614-469-6860
                                               Plz., 43215-2592.
      Detroit, MI (DO)......................  Suite 515, 477 Michigan     Richard Temkin............    313-226-6075
                                               Ave., 48226.
      Indianapolis, IN (DO).................  Suite 100, 429 N.           Gail Gessell..............    317-226-7275
                                               Pennsylvania St., 46204-
                                               1873.
      Milwaukee, WI (DO)....................  Suite 400, 310 W.           Eric Ness.................    414-297-3941
                                               Wisconsin Ave., 53203.
      Minneapolis, MN (DO)..................  Suite 210-C, 100 N. 6th     Ed Daum...................    612-370-2306
                                               St., 55403-1563.
      Springfield, IL (BO)..................  Suite 302, 511 W. Capitol   Walter Hanke..............    217-492-4416
                                               St., 62704.
    DALLAS, TX (RO).........................  Suite 108, 4300 Amon        Joseph O. Montes..........    817-684-5581
                                               Carter Blvd., Ft. Worth,
                                               TX 76155.
      Albuquerque, NM (DO)..................  Suite 320, 625 Silver Ave.  Anthony McMahon...........    505-346-7909
                                               SW., 87102.
      Corpus Christi, TX (BO)...............  Suite 411, 3649 Leopard     Simon Castillo............    361-879-0017
                                               St., 78408.
      El Paso, TX (DO)......................  Suite 320, 10737 Gateways   Phil Silva, Acting........    915-633-7001
                                               West, 79935.
      Fort Worth, TX (DO)...................  Suite 114, 4300 Amon        Lavan Alexander...........    817-684-5500
                                               Carter Blvd., 76155.
      Harlingen, TX (DO)....................  Rm. 500, 222 E. Van Buren   Sylvia Zamponi............    956-427-8533
                                               St., 78550-6855.
      Houston, TX (DO)......................  Suite 1200, 8701 S.         Manuel Gonzales, Acting...    713-773-6500
                                               Gessner Dr., 77074.
      Little Rock, AR (DO)..................  Suite 100, 2120 Riverfront  Linda Nelson, Acting......    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 2820, 365 Canal Pl.,  Eugene Cornelius..........    504-589-6685
                                               70130.
      Oklahoma City, OK (DO)................  Suite 1300, 210 Park Ave.,  Dorothy Overal............    405-231-5521
                                               73102.
      San Antonio, TX (DO)..................  Suite 200, 17319 San        Ted Ressler, Acting.......    210-472-5900
                                               Pedro, Bldg. No. 2, 78232.
    DENVER, CO (RO).........................  Suite 101, 721 19th St.,    Elton W. Ringsak..........    303-844-0503
                                               80202-2599.
      Casper, WY (DO).......................  Rm. 4001, 100 E. B St.,     Steven Despain............    307-261-6501
                                               82601.
      Denver, CO (DO).......................  Suite 426, 721 19th St.,    Patricia Barela Rivera....    303-844-6500
                                               80202-2599.
      Fargo, ND (DO)........................  Rm. 219, 657 2d Ave. N.,    James L. Stai.............    701-239-5131
                                               58108-3086.
      Helena, MT (DO).......................  Suite 1100, 10 W. 15th      Michelle Johnston.........    406-441-1081
                                               St., 59626.
      Salt Lake City, UT (DO)...............  Rm. 2237, 125 S. State      Stanley Nakano............    801-524-3200
                                               St., 84138-1195.
      Sioux Falls, SD (DO)..................  Suite 200, 110 S. Phillips  Chuck Hughes, Acting......    605-330-4243
                                               Ave., 57104.
    KANSAS CITY, MO (RO)....................  Suite 307, 323 W. 8th St.,  Samuel C. Jones...........    816-374-6380
                                               64105-1500.
      Cedar Rapids, IA (BO).................  Suite 200, 215 4th Ave.     (Vacancy).................    319-362-6405
                                               Rd., 7 SE., 52401-1806.
      Des Moines, IA (DO)...................  Rm. 749, 210 Walnut St.,    Joseph Folsom.............    515-284-4026
                                               50309-2186.
      Kansas City, MO (DO)..................  Suite 501, 323 W. 8th St.,  Gary Cook.................    816-374-6708
                                               64105.
      Omaha, NE (DO)........................  11145 Mill Valley Rd.,      Glenn Davis...............    402-221-4691
                                               68154.
      Springfield, MO (BO)..................  Suite 101, 830 E.           Gary Cook, Acting.........    417-890-8501
                                               Primrose, 65807-5254.
      St. Louis, MO (DO)....................  Suite 1500, 200 N.          Maurice Dube..............    314-539-6600
                                               Broadway, 63102.
      Wichita, KS (DO)......................  Suite 2500, 271 W 3d St.    Elizabeth Auer............    316-269-6566
                                               N., 67202-1212.
    NEW YORK, NY (RO).......................  Rm. 31-08, 26 Federal       William Manger............    212-264-1450
                                               Plz., 10278.
      Buffalo, NY (DO)......................  Rm. 1311, 111 W. Huron      Franklin J. Sciortino.....    716-551-4301
                                               St., 14202.
      Elmira, NY (BO).......................  4th Fl., 333 E. Water St.,  Brian Qualey..............    607-734-1571
                                               14901.
      Hato Rey, PR (DO).....................  252 Ponce de Leon Ave.,     Carmen Culpeper...........    787-766-5002
                                               00918.
      Melville, NY (BO).....................  Suite 207, 35 Pinelawn      Norman Hunte, Acting......    631-454-0750
                                               Rd., 11747.
      New York, NY (DO).....................  Suite 3100, 26 Federal      Jose Sifontes.............    212-264-2454
                                               Plz., 10278.
      Newark, NJ (DO).......................  15th Fl., 2 Gateway Ctr.,   Jim Kocsi, Acting.........    973-645-3580
                                               07102.
      Rochester, NY (BO)....................  Suite 410, 100 State St.,   Victoria Reynolds.........    716-263-6700
                                               14614.
      St. Croix, VI (BO)....................  Suites 5 & 6, Sunny Isle    Carl Christensen..........    340-778-5380
                                               Professional Bldg., 00820.
      St. Thomas, VI (BO)...................  3800 Crown Bay St., 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.,    Stephanie Watkins.........    215-580-2870
                                               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....  Judy McCauley.............    304-623-5631
      Harrisburg, PA (BO)...................  Suite 107, 100 Chestnut     (Vacancy).................    717-782-3840
                                               St., 17101.

    [[Page 527]]

      Philadelphia, PA (DO).................  5th Fl., 900 Market St.,    Tom Tolan.................    215-580-2700
                                               19107.
      Pittsburgh, PA (DO)...................  Rm. 1128, 1000 Liberty      Carl Knoblock.............    412-395-6560
                                               Ave., 15222.
      Richmond, VA (DO).....................  11th Fl., 400 N. 8th St.,   Ron Bew...................    804-771-2400
                                               23240.
      Washington, DC (DO)...................  Suite 900, 1110 Vermont     Joe Loddo.................    202-606-4000
                                               Ave. NW., 20005.
      Wilkes-Barre, PA (BO).................  Suite 407, 7 N. Wilkes-     (Vacancy).................    570-826-6497
                                               Barre Blvd., 18702.
      Wilmington, DE (DO)...................  1318 N. Market St., 19801-  Jayne Armstrong...........    302-573-6382
                                               3011.
    SAN FRANCISCO, CA (RO)..................  Suite S-2200, 455 Market    Bruce C. Thompson.........    415-744-2118
                                               St., 94105.
      Fresno, CA (DO).......................  Suite 200, 2719 N. Air      Carlos G. Mendoza.........    559-487-5791
                                               Fresno Dr., 93727-1547.
      Glendale, CA (DO).....................  Suite 1200, 330 N. Brand    Alberto Alvarado..........    818-552-3201
                                               Blvd., 91203-2304.
      Hagatna, GU (BO)......................  Suite 302, 400 Rt. 8,       Kenneth Lujan.............    671-472-7419
                                               96910-2003.
      Honolulu, HI (DO).....................  Rm. 2-235, 300 Ala Moana    Andrew Poepoe.............    808-541-2990
                                               Blvd., 96850-4981.
      Las Vegas, NV (DO)....................  Suite 250, 400 S. Fourth    John Scott................    702-388-6611
                                               St., 89101.
      Phoenix, AZ (DO)......................  Suite 800, 2828 N. Central  Robert Blaney.............    602-745-7200
                                               Ave., 85004-1025.
      Sacramento, CA (DO)...................  Suite 7-500, 650 Capital    James O'Neal..............    916-930-3700
                                               Mall, 95814.
      San Diego, CA (DO)....................  Suite 550, 550 W. C St.,    George P. Chandler, Jr....    619-557-7250
                                               92101.
      San Francisco, CA (DO)................  6th Fl., 455 Market St.,    Mark Quinn................    415-744-6801
                                               94105.
      Santa Ana, CA (DO)....................  Suite 700, 200 W. Santa     Sandra Sutton.............    714-550-7420
                                               Ana Blvd., 92701.
    SEATTLE, WA (RO)........................  Suite 1805, 1200 6th Ave.,  Norm Proctor..............    206-553-5676
                                               98101-1128.
      Anchorage, AK (DO)....................  Suite 310, 510 L St.,       Frank Cox.................    907-271-4022
                                               99501.
      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...............    503-326-2682
                                               Ave., 97201-6695.
      Seattle, WA (DO)......................  Suite 1700, 1200 6th Ave.,  Nancy Gilbertson..........    206-553-7310
                                               98101-1128.
      Spokane, WA (BO)......................  Suite 200, 801 W.           Nancy Gilbertson, Acting..    509-353-2810
                                               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
    ----------------------------------------------------------------------------------------------------------------

    Sources of Information

    Electronic Access  Information on the Small Business Administration is
    available electronically by various means. Internet, www.sba.gov. FTP,
    ftp.sbaonline.sba.gov.
        Access the U.S. Business Adviser through the Internet, at
    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 in the preceding text, or call the SBA answer desk.
    Phone, 800-8-ASK-SBA. Fax, 202-205-7064. TDD, 704-344-6640.
    Public Affairs  For public inquiries and small-business advocacy
    affairs, contact the Office of Public Communications and Public Liaison,
    409 Third Street SW., Washington, DC 20416. Phone, 202-205-6740.
    Internet, www.sba.gov.
    Publications  A free copy of The Resource Directory for Small Business
    Management, a listing of for-sale publications and videotapes, is
    available from any local SBA office or the SBA answer desk.

    For further information, contact the Office of Public Communications and
    Public Liaison, Small Business Administration, 409 Third Street SW.,
    Washington, DC 20416. Phone, 202-205-6740. Internet, www.sba.gov.

    [[Page 528]]

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