    [United States Government Manual]
    [June 01, 2006]
    [Pages 514-524]
    [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                              Stephen Galvan, Acting
    Chief Counsel for Advocacy                        Thomas Sullivan
    Chief Financial Officer                           Jennifer Main
    Chief Operating Officer and Chief Information     Stephen Galvan
            Officer
    Chief of Staff                                    Stephen Galvan
    Counselor to the Administrator                    (vacancy)
    General Counsel                                   Robert Gangwere,
                                                              Acting
    Inspector General                                 Eric M. Thorson
    Associate Administrator for Disaster Assistance   Herbert Mitchell
    Associate Administrator for Communications and    Raul Cisneros
            Public Liaison
    Assistant Administrator for Congressional and     Charles Rowe
            Legislative Affairs
    Assistant Administrator for Equal Employment      Delorice Ford, Acting
            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        Michael Hager
            Access
        Associate Administrator for                   James Rivera
                Financial Assistance
        Associate Administrator for                   Manuel Rosales
                International Trade
        Associate Administrator for                   J. Guzman-Fournier
                Investment
        Associate Administrator for Surety            Frank Lalumiere
                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
    [[Page 515]]

        Associate Administrator for Veterans          William Elmore
                Business Development
        Associate Administrator for Women's           Wilma Goldstein
                Business Ownership
    Associate Deputy Administrator for Government     Calvin Jenkins, Acting
            Contracting and Business Development
        Associate Administrator for                   Karen Hontz
                Government Contracting
        Associate Administrator for Business          (vacancy)
                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 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

    [GRAPHIC] [TIFF OMITTED] T206692.060

    [[Page 517]]

    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  The Office of Business and Community
    Initiatives (OBCI) develops and cosponsors counseling, education,
    training, and information resources for small businesses. It has
    partnered with the private sector to promote entrepreneurial
    development. OBCI directs the national program of the Service Corps of
    Retired Executives (SCORE), a resource partner of SBA. SCORE provides
    free counseling, mentoring, training seminars, and specialized
    assistance to veterans and active military. For more information, visit
    www.score.org. OBCI also offers young entrepreneurs a teen business site
    at www.sba.gov/teens.
        The Office of International Visitors briefs foreign delegations,
    business organizations, and international nongovernmental organizations
    (NGOs) on the SBA model.
        In addition to education and training events, SBA offers an online
    management series on business growth and sustainability at www.sba.gov/
    library/pubs.

    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, 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.
        SBA provides loan guarantees to finance commercial construction or
    building rehabilitation. 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 at the end of this writeup.

    Government Contracting and Policy, Planning and Liaison   SBA helps
    small businesses, including small disadvantaged businesses, women-owned
    small business, HUBZone-certified firms, and service-disabled veteran-
    owned small businesses obtain a

    [[Page 518]]

    fair share of Government procurement through a variety of programs and
    services. The contracting liaison helps small businesses secure an
    equitable share of natural resources sold by the Federal Government. It
    works closely with Federal agencies and the Office of Management and
    Budget to establish policy and regulations concerning small business
    access to Government contracts. It assists in the formulation of small
    business procurement policies as they relate to size standards, the
    Small Business Innovation Research Program, and the Small Business
    Technology Transfer Program.

    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.

    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 commercial 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 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

    [[Page 519]]

    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.

    Business Development  The Office of Business Development manages the
    8(a) Business Development Program and the Small Disadvantaged Business
    Certification Program 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, Mentor-Protege Agreements, surplus property, technology
    transfer, 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

    [[Page 520]]

    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   Congress established the national
    ombudsman and 10 Regulatory Fairness Boards in 1996 as part of the Small
    Business Regulatory Enforcement Fairness Act (SBREFA). Section 222 of
    SBREFA was designed to ensure that small businesses, small government
    entities, and small nonprofit organizations that experience unfair
    regulatory enforcement action by Federal agencies have a means to
    register their comments about such actions. Comments from small business
    concerns are received by e-mail, fax, regular mail, or by testifting at
    ombudsman hearings that are held across the country. The ombudsman acts
    as a neutral liaison between small business concerns and affected
    agencies to include comments for the report. Each of the Regulatory
    Fairness Boards (RegFair) has five volunteer members who are owners,
    operators or officers of small business concerns that are appointed by
    the SBA Administrator for terms of 3 years. Each RegFair Board meets at
    least annually with the ombudsman on matters of concern to small
    businesses relating to the enforcement or compliance activities of
    Federal agencies; report to the ombudsman on substantiated instances of
    excessive enforcement; and, prior to publication, provide comment on the
    annual report to Congress.

    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
    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.

    [[Page 521]]

    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). 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 that provide assistance to small-business concerns owned
    and controlled by veterans and service-disabled veterans. This includes
    reserve component members of the U.S. military. Additionally, OVBD
    serves as an ombudsman for the full consideration of veterans in all
    programs of the Administration.
        OVBD provides e-counseling and works with every SBA program to
    ensure that veterans receive special consideration in the operation of
    that program. OVBD also provides numerous tools such as the VetGazette
    veterans newsletter, the Reserve and Guard business assistance kits,
    program design assistance, and training events. Additionally, OVBD
    manages five Veterans Business Outreach Centers to provide outreach,
    directed referrals, and tailored entrepreneurial development services
    such as business training, counseling, and mentoring to service-disabled
    veteran, veterans, and reservist-entrepreneurs. These centers provide an
    in-depth resource for existing and potential veteran entrepreneurs. The
    Office also coordinates SBA collaborative efforts with Veterans Service
    Organizations, the Departments of Defense, Labor, and Veterans Affairs,
    the National Veterans Business Development Corporation, State
    Departments of Veterans Affairs, the National Committee for Employer
    Support of the Guard and Reserve, and other public, civic, and private
    organizations to ensure that the entrepreneurial needs of veterans,
    service-disabled veterans, and self-

    [[Page 522]]

    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, or
    www.sba.gov/reservists.

    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 loan guaranty 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 1900, 233 Peachtree   Terri Denison.............    404-331-0100
                                               St. NE., 30303.
      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, 1425 Assembly      Elliot Cooper.............    803-765-5377
                                               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.

    [[Page 523]]

      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, 68 Sewall St.,     Mary McAleney.............    207-622-8378
                                               04330.
      Boston, MA (DO).......................  Suite 265, 10 Causeway      Maurice L. Dube...........    617-565-5561
                                               St., 02222.
      Concord, NH (DO)......................  Suite 3101, 55 Pleasant     Bill Phillips.............    603-225-1400
                                               St., 03301.
      Hartford, CT (DO).....................  2d Fl., 330 Main St.,       Bernard Sweeney...........    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    Mark Hayward..............    401-528-4561
                                               Mall, 02903.
      Springfield, MA (BO)..................  One Federal St., Bldg.      Bob Nelson................    413-785-0484
                                               101, 01105.
    CHICAGO, IL (RO)........................  Suite 1250, 500 W. Madison  Patrick Rea...............    312-353-4426
                                               St., 60661.
      Chicago, IL (DO)......................  500 W. Madison St., 60661.  Judith Roussel............    312-353-4508
      Cincinnati, OH (BO)...................  Rm. 2-522, JWP Federal      Ronald Carlson............    513-684-2814
                                               Bldg., 550 Main St.,
                                               45202.
      Cleveland, OH (DO)....................  Suite 211, 1315 Euclid      Gilbert Goldberg..........    216-522-4180
                                               Ave., 44114-2507.
      Columbus, OH (DO).....................  Suite 200, 401 N. Front     Tom Mueller...............    614-469-6860
                                               St., 43215-2592.
      Detroit, MI (DO)......................  Suite 515, 477 Michigan     Richard Temkin............    313-226-6075
                                               Ave., 48226.
      Indianapolis, IN (DO).................  Suite 400, 85 Keystone      Gail Gessell..............    317-226-7275
                                               Crossing, 46204-1873.
      Milwaukee, WI (DO)....................  Suite 400, 310 W.           Eric Ness.................    414-297-1471
                                               Wisconsin Ave., 53203.
      Minneapolis, MN (DO)..................  Suite 210-C, 100 N. 6th     Ed Daum...................    612-370-2306
                                               St., 55403-1563.
      Springfield, IL (BO)..................  1st Fl., 3330 Ginger Creek  Valerie Ross..............    217-492-4416
                                               Rd., 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.,   Calvin O. Davis...........    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 116, 301 N. 8th St.,  Dorothy Overal............    405-231-5521
                                               73102.
      San Antonio, TX (DO)..................  Suite 200, 17319 San        Anthony Alvarez, Acting...    210-472-5900
                                               Pedro, Bldg. No. 2, 78232.
    DENVER, CO (RO).........................  Suite 400, 721 19th St.,    Elton W. Ringsak..........    303-844-0503
                                               80202-2599.
      Casper, WY (DO).......................  P.O. Box 4001, 100 E. B     Steven Despain............    307-261-6501
                                               St., 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.............    701-239-5434
                                               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  John Brown................    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 350, 2750 1st Ave.    Linda Haus, Acting........    319-362-6405
                                               NE., 52401-1806.
      Des Moines, IA (DO)...................  Rm. 350, 2750 1st Ave.,     Linda Haus, Acting........    515-284-4026
                                               NE., 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.           Larry Aduddie.............    417-890-8501
                                               Primrose, 65807-5254.
      St. Louis, MO (DO)....................  Suite 1500, 200 N.          Dennis Melton.............    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)......................  130 S. Elmwood St., 14202.  Franklin J. Sciortino.....    716-551-4301
      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.,    Stefanie Watkins..........    215-580-2870
                                               19107.
      Baltimore, MD (DO)....................  Suite 6220, 10 S. Howard    Allan Stephenson..........    410-962-6195
                                               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 850, 228 Walnut St.,  (Vacancy).................    717-782-3840
                                               17101.
      Philadelphia, PA (DO).................  5th Fl., 900 Market St.,    David Dickson.............    215-580-2700
                                               19107.
      Pittsburgh, PA (DO)...................  Suite 1450, 411 7th Ave.,   Carl Knoblock.............    412-395-6560
                                               15219.
      Richmond, VA (DO).....................  11th Fl., 400 N. 8th St.,   Ron Bew...................    804-771-2400
                                               23240.
      Washington, DC (DO)...................  740 15th St. NW., 20005...  Joe Loddo.................    202-606-4000
      Wilkes-Barre, PA (BO).................  Suite 407, 7 N. Wilkes-     (Vacancy).................    570-826-6497
                                               Barre Blvd., 18702.
      Wilmington, DE (DO)...................  Suite 1200, 1007 N. Orange  Jayne Armstrong...........    302-573-6294
                                               St., 19801-1232.

    [[Page 524]]

    SAN FRANCISCO, CA (RO)..................  Suite 1200, 330 N. Brand    Bruce C. Thompson.........    415-744-2118
                                               Blvd., 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. 4th St.,  John Scott................    702-388-6611
                                               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.,    Reuben Garcia.............    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     Adelberto Quijada.........    714-550-7420
                                               Ana Blvd., 92701.
    SEATTLE, WA (RO)........................  Suite 400, 2401 4th Ave.,   Norm Proctor..............    206-553-5676
                                               98121.
      Anchorage, AK (DO)....................  Suite 310, 510 L St.,       Frank Cox.................    907-271-4022
                                               99501.
      Boise, ID (DO)........................  Suite 330, 380 Parkcenter   Thomas Bergdoll...........    208-334-9004
                                               Blvd., 83702-5745.
      Portland, OR (DO).....................  Suite 950, 601 SW. 2d       Leon Milobar..............    503-326-2682
                                               Ave., 97201-6695.
      Seattle, WA (DO)......................  Suite 450, 2401 4th Ave.,   Nancy Gilbertson..........    206-553-7310
                                               98121.
      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.

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