[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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[GRAPHIC] [TIFF OMITTED] T201944.060

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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, [email protected].

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, [email protected].

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, [email protected]. 
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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