[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, [email protected].

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, [email protected].

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, [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 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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