[United States Government Manual]
[June 01, 2007]
[Pages 517-527]
[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                                     Steven C. Preston
Deputy Administrator                              Jovita Carranza
Chief Counsel for Advocacy                        Thomas Sullivan
Chief Financial Officer                           Jennifer Main
Chief Information Officer                         Christine Liu
Chief of Staff                                    Joel Szabat
Counselor to the Administrator                    Karen Hontz
General Counsel                                   Stephen Kong, Acting
Inspector General                                 Eric M. Thorson
Associate Administrator for Disaster Assistance   Herbert Mitchell
Associate Administrator for Communications and    Sean Ruston
        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
Assistant Administrator for Veterans Business     William Elmore
        Development
Associate Administrator for Capital Access        Michael Hager
    Director of Financial Assistance              (vacancy)
    Director of International Trade               (vacancy)
    Director of Investment                        J. Guzman-Fournier
    Director of Surety Guarantees                 Frank Lalumiere
    Assistant Administrator for Native            William Largent
            American Affairs
Associate Deputy Administrator for                (vacancy)
        Entrepreneurial Development
    Director of Business and Community            Ellen M. Thrasher
            Initiatives
    Director of Small Business                    Antonio Doss
            Development Centers
    Director of Women's Business                  Wilma Goldstein
            Ownership
Associate Administrator for Government            Anthony Martoccia
      Contracting and Business Development
[[Page 518]]

    Director of Government Contracting            (vacancy)
    Director of Business Development              Luz Hopewell
    Director of HUBZone Empowerment               Michael McHale
            Contracting
Associate Administrator for Management and        Lewis Andrews
        Administration
    Director of Business Operations               Joanie Newhart
    Chief Human Capital Officer                   Richard Brechbiel
    Director of Executive Secretariat             Kim Bradley

[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 
25.8 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 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 
[GRAPHIC] [TIFF OMITTED] T211657.062


[[Page 520]]

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 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 for working capital and financing 
the acquisition of land and buildings; the construction, conversion, or 
expansion of facilities; and the purchase of machinery and equipment.
    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 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

[[Page 521]]

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 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

[[Page 522]]

businesses. The New Markets Venture Capital 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, the Office is 
developing a web based resource entitled the ``Tribal Self Assessment 
Tool.'' It is intended to allow Tribal Nations to assess their vision 
and goals relative to their governance structure, culture, capabilities, 
and resources. The tool is free and will be available on the Internet.

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 testifying 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

[[Page 523]]

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 888-734-3247. Internet, www.sba.gov/ombudsman.

Small Business Development Centers  The Office of Small Business 
Development Centers (OSBDC) provides counseling and training to existing 
and prospective small business owners at more than 950 service locations 
in every State, Puerto Rico, the U.S. Virgin Islands, Guam, and American 
Samoa. OSBCD develops national policies and goals; establishes standards 
for the selection and performance of its Small Business Development 
Centers (SBDCs); monitors compliance with applicable Office of 
Management and Budget circulars and laws; and implements new approaches 
to improve existing centers. OSBDC also overees 63 lead centers and 
maintains liaison with other Federal, State, and local agencies and 
private organizations whose activities relate to its centers. It also 
assesses how the program is affected by substantive developments and 
policies in other SBA areas, Government agencies, and the private 
sector.
    The Small Business Development Center Program is a cooperative 
effort of the private sector, educational community, and Federal, State, 
and local governments. The Program enhances local economic development 
by providing small businesses with the management and technical 
assistance they need to succeed. It also provides services such as 
development of business plans, manufacturing assistance, financial 
packages, procurement contracts, and international trade assistance. 
Special areas include e-commerce; technology transfer; IRS, EPA, and 
OSHA regulatory compliance; research and development; defense economic 
transition assistance; disaster recovery assistance; and market 
research. Based on client needs assessments, business trends, and 
individual business requirements, SBDCs modify their services to meet 
the evolving needs of the small business community.

For further information, contact the Office of Small Business 
Development Centers. Phone, 202-205-6766.

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

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

Technology  The Office of Technology has authority and responsibility 
for directing and monitoring the governmentwide activities of the Small 
Business Innovation Research Program (SBIR) and the Small Business 
Technology Transfer Program (STTR). 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

[[Page 524]]

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-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 by 
providing business training, counseling, mentoring, and other assistance 
through representatives in local SBA offices, Women's Business Centers 
(WBCs), and mentoring roundtables. 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.
    OWBO works with other SBA programs, 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

[[Page 525]]

capital they need to start and grow successful businesses. The 7(a) Loan 
Guaranty Program offers a number of effective ways to finance business 
needs, including unsecured smaller loans and revolving lines of credit. 
The 504 Program provides long-term, fixed rate financing for major fixed 
assets, such as land and buildings, through certified development 
programs. Equity financing is available through the Small Business 
Investment Company Program. 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. Phone, 202-205-6673. E-mail, 
[email protected]. Internet, www.sba.gov/aboutsba/sbaprograms/onlinewbc/
index.html.

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.
  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.

[[Page 526]]


  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.
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
----------------------------------------------------------------------------------------------------------------


[[Page 527]]

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, 800-827-5722. 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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