[United States Government Manual]
[September 15, 2009]
[Pages 503-513]
[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                                     Karen Mills
Deputy Administrator                              (vacancy)
Chief Counsel for Advocacy                        Shawne McGibbon, 
                                                          Acting
Chief Financial Officer                           (vacancy)
Chief Information Officer                         Christine Rider
Chief of Staff                                    Ana Ma
Counselor to the Administrator                    Ginger Lew
General Counsel                                   Sara Lipscomb
Inspector General                                 Peter McClintock, 
                                                          Acting
Associate Administrator for Disaster Assistance   Herbert Mitchell
Associate Administrator for Communications and    Jonathan Carver
        Public Liaison
Assistant Administrator for Congressional and     Tiffani Cooper, Acting
        Legislative Affairs
Assistant Administrator for Equal Employment      Margareth Bennett
        Opportunity and Civil Rights Compliance
Associate Administrator for Field Operations      Toby McGrath
Assistant Administrator for Hearings and Appeals  Delorice Ford
Assistant Administrator for Veterans Business     William Elmore
        Development
Associate Administrator for Capital Access        Eric Zarnikow
Director of Financial Assistance                  Grady Hedgespeth
Director of International Trade                   Luz Hopewell
Director of Investment                            (vacancy)
Director of Surety Guarantees                     Frank Lalumiere
Assistant Administrator for Native American       Holly Schick, Acting
        Affairs
Associate Deputy Administrator for                Penny Pickett
        Entrepreneurial Development
Director of Business and Community Initiatives    Ellen M. Thrasher
Director of Small Business Development Centers    Antonio Doss

[[Page 504]]

Director of Women's Business Ownership            (vacancy)
Associate Administrator for Government            Joseph Jordan
        Contracting and Business Development
Director of Government Contracting                Karen Hontz
Director of Business Development                  Joseph Loddo
Director of HUBZone Empowerment Contracting       Guy Torres
Associate Administrator for Management and        Darryl Hairston
        Administration
Director of Business Operations                   Ajoy Sinha, Acting
Chief Human Capital Officer                       Napoleon Avery
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 Small Business Administration aids, counsels, assists, and protects 
the interests of small business; ensures that small business concerns 
receive a fair portion of Government purchases, contracts, and 
subcontracts, as well as of the sales of Government property; makes 
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 licenses, regulates, and makes 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 
27.2 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 and reports annually on Federal agency 
compliance with the Regulatory Flexibility Act (RFA), which requires 
agencies to analyze the impact of their regulations on small businesses 
and consider less burdensome alternatives. Small entities include small 
businesses, nonprofit organizations, and governmental jurisdictions. 
Executive Order 13272 requires Federal agencies to take the Office's 
comments into consideration before proposed regulations are finalized 
and requires the Office to train Federal agencies on RFA compliance.
    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 


[[Page 505]]

[GRAPHIC] [TIFF OMITTED] T217558.063


[[Page 506]]

local business communities within their regions.

For further information, contact the Office of Advocacy. Phone, 202-205-
6533. Email, [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 personnel. 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 entry).

Government Contracting and Policy, Planning and Liaison  SBA helps small 
businesses, including small disadvantaged businesses, women-owned small 
businesses, 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,

[[Page 507]]

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 
(USEACs). 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 up to 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, and collaboration with the 30 Small Business 
Development Centers with international trade expertise and 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

[[Page 508]]

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. In addition, NMVC 
companies may make technical assistance grants to potential portfolio 
companies.
    The Government 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. 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 is responsible 
for the 8(a) Business Development Program. The Office assists small 
businesses by providing access to capital and credit, business 
counseling, training workshops, technical guidance, and assistance with 
contracts and loans. Its primary business development tools are the 
Mentor-Protege Program and the 7(j) Management and Technical Assistance 
Program.

For further information, visit our Web site at www.sba.gov/8abd. Phone, 
202-205-5852.

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

[[Page 509]]

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 email, 
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 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 3-year 
terms. 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. OSBDC 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 oversees 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 receive contracts up to $5 million. (The former $2 million 
threshold was increased to $5 million under the American Recovery and 
Reinvestment Act and is effective through September 30, 2010). SBA 
guarantees bonds that are issued by participating surety companies, and 
reimburses between 70% and 90% of losses and expenses incurred should a 
small business default on the contract. Construction, service, or supply 
contractors are eligible for the program if they, together with their 
affiliates, meet the size standard for the primary industry in which the 
small business is engaged, as defined by the North American Industry 
Classification System (NAICS).

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


[[Page 510]]



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 quarterly 
online, 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. Email, [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 veterans, 
including service-disabled 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, the Department 
of Defense Yellow Ribbon Reintegration Program 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

[[Page 511]]

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 
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. Email, 
[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 Administration'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   Elliott Cooper, Acting....    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   Thomas Todt, Acting.......    205-290-7101
                                           Dr., 35211.
  Charlotte, NC (DO)....................  Suite 300, 6302 Fairview    Lee Cornelison............    704-344-6563
                                           Rd., 28210-2227.
  Columbia, SC (DO).....................  Rm. 1425, 1835 Assembly     Elliott  Cooper...........    803-765-5377
                                           St., 29201.
  Gulfport, MS (BO).....................  Suite 103, 2510 14th 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    Francisco 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      Robert Nelson, Acting.....    617-565-8415
                                           St., 02222.
 
  Augusta, ME (DO)......................  Rm. 512, 68 Sewall St.,     Maurice Dube..............    207-622-8378
                                           04330.
  Boston, MA (DO).......................  Suite 265, 10 Causeway      Robert Nelson.............    617-565-5561
                                           St., 02222.
  Concord, NH (DO)......................  Suite 3101, 55 Pleasant     Witmer Jones..............    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.,    Darcy Carter, Acting......    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.      Edgardo Tarrats...........    413-785-0484
                                           101, 01105.
CHICAGO, IL (RO)........................  Suite 1240, 500 W. Madison  Judith Roussel, Acting....    312-353-4626
                                           St., 60661.
  Chicago, IL (DO)......................  Suite 1250, 500 W. Madison  Judith Roussel............    312-353-4508
                                           St., 60661.
  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..........    216-522-4182
                                           Ave., 44115-1815.
  Columbus, OH (DO).....................  Suite 200, 401 N. Front     Tom Mueller...............    614-469-6860
                                           St., 43215-2240.
  Detroit, MI (DO)......................  Suite 515, 477 Michigan     Richard Temkin............    313-226-6075
                                           Ave., 48226.
  Indianapolis, IN (DO).................  Suite 400, 8500 Keystone    Gail Gessell..............    317-226-7272
                                           Crossing, 46240-7336.
  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)..................  Suite B-East, 3330 Ginger   Valerie Ross..............    217-492-4416
                                           Creek Rd., 62704.
DALLAS, TX (RO).........................  Suite 108, 4300 Amon        Dorothy Overal, Acting....    817-684-5581
                                           Carter Blvd., Ft. Worth,
                                           TX 76155.
  Albuquerque, NM (DO)..................  Suite 320, 625 Silver Ave.  John Woosley..............    505-248-8225
                                           SW., 87102.

[[Page 512]]

 
  Corpus Christi, TX (BO)...............  Suite 411, 3649 Leopard     Simon Castillo............    361-879-0017
                                           St., 78408.
  El Paso, TX (DO)......................  Suite 201, 211 N. Florence  Phillip Silva, Acting.....    915-633-7001
                                           St., 79901.
  Fort Worth, TX (DO)...................  Suite 114, 4300 Amon        Herbert Austin............    817-684-5500
                                           Carter Blvd., 76155.
  Harlingen, TX (DO)....................  Rm. 500, 222 E. Van Buren   Michael Wilk, Acting......    956-427-8533
                                           St., 78550-6855.
  Houston, TX (DO)......................  Suite 1200, 8701 S.         Manuel Gonzalez...........    713-773-6500
                                           Gessner Dr., 77074.
  Little Rock, AR (DO)..................  Suite 100, 2120 Riverfront  Linda Nelson..............    501-324-5871
                                           Dr., 72202.
  Lubbock, TX (DO)......................  Rm. 408, 1205 Texas Ave.,   Herbert Johnston..........    806-472-7462
                                           79401-2693.
  New Orleans, LA (DO)..................  Suite 2820, 365 Canal Pl.,  Michael W. Ricks..........    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        Pamela Sapia..............    210-403-5900
                                           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.,    Stanley Nakano, Acting....    303-844-6500
                                           80202-2599.
  Fargo, ND (DO)........................  Rm. 219, 657 2d Ave. N.,    James L. Stai.............    701-239-5131
                                           58108-3086.
  Helena, MT (DO).......................  Suite 1100, 10 W. 15th      Michelle Johnston.........    406-441-1080
                                           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 105, 2329 N. Career   John Brown................    605-330-4243
                                           Ave., 57107.
KANSAS CITY, MO (RO)....................  Suite 530, 1000 Walnut      A. Dean Cotton, Acting....    816-426-4840
                                           St., 64106-1500.
  Cedar Rapids, IA (BO).................  Suite 350, 2750 1st Ave.    Dennis Larkin.............    319-362-6405
                                           NE., 52402-4831.
  Des Moines, IA (DO)...................  Rm. 749, 210 Walnut St.,    Joe Folsom................    515-284-4026
                                           50309-2186.
  Kansas City, MO (DO)..................  Suite 500, 1000 Walnut      Gary Cook.................    816-426-4900
                                           St., 64106-1500.
  Omaha, NE (DO)........................  Suite 100, 10675 Bedford    Leon Milobar..............    402-221-4691
                                           Ave., 68134-3613.
  Springfield, MO (BO)..................  Suite 101, 830 E.           Walter Cowart.............    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.   Wayne Bell................    316-269-6566
                                           N., 67202-1212.
NEW YORK, NY (RO).......................  Rm. 31-08, 26 Federal       Bernard J. Paprocki,          212-264-1450
                                           Plz., 10278.                Acting.
  Buffalo, NY (DO)......................  Suite 540, 130 S. Elmwood   Franklin J. Sciortino.....    716-551-4301
                                           St., 14202.
  Elmira, NY (BO).......................  333 E. Water St., 14901...  Brian Qualey..............    607-734-1571
  Hato Rey, PR (DO).....................  252 Ponce de Leon Ave.,     Jose Sifontes.............    787-766-5002
                                           00918.
  Melville, NY (BO).....................  Suite 207, 35 Pinelawn      Al Titone.................    631-454-0750
                                           Rd., 11747.
  New York, NY (DO).....................  Suite 3100, 26 Federal      Al Titone, Acting.........    212-264-2454
                                           Plz., 10278.
  Newark, NJ (DO).......................  15th Fl., 2 Gateway Ctr.,   James Kocsi, Acting.......    973-645-3580
                                           07102.
  Rochester, NY (BO)....................  Suite 410, 100 State St.,   Victoria Reynolds.........    716-263-6700
                                           14614.
  St. Croix, VI (BO)....................  Rm. 167, Americ L.          Carl Christensen..........    340-778-5380
                                           Christian Fed. Bldg.,
                                           00820.
  St. Thomas, VI (BO)...................  3800 Crown Bay St., 00802.  (vacancy).................    809-774-8530
  Syracuse, NY (DO).....................  5th Fl., 401 S. Salina      Bernard J. Paprocki.......    315-471-9393
                                           St., 13202.
KING OF PRUSSIA, PA (RO)................  Suite 1001, 1150 First      Bridget Bean, Acting......    610-382-3073
                                           Ave., 19406.
  Baltimore, MD (DO)....................  Suite 6220, 10 S. Howard    Stephen D. Umberger.......    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.
  King of Prussia, PA (DO)..............  Suite 1001, 1150 First      David Dickson.............    610-382-3073
                                           Ave., 19406.
  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...  Eugene Cornelius, Jr......    202-606-4000
  Wilmington, DE (DO)...................  Suite 1200, 1007 N. Orange  Jayne Armstrong...........    302-573-6294
                                           St., 19801-1232.
GLENDALE, CA (RO).......................  Suite 1200, 330 N. Brand    Alberto Alvarado, Acting..    818-552-3434
                                           Blvd., 91203.
  Citrus Heights, CA (DO)...............  Suite 100, 6501 Sylvan      James O'Neal..............    916-735-1700
                                           Rd., 95610.
  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.
  Mongmong, GU (BO).....................  Suite 302, 400 Rt. 8,       Kenneth Lujan.............    671-472-7419
                                           96927.
  Honolulu, HI (DO).....................  Box 50207, Rm. 2-235, 300   Karen Sakihama............    808-541-2990
                                           Ala Moana Blvd., 96850-
                                           4981.
  Las Vegas, NV (DO)....................  Suite 250, 400 S. 4th St.,  John E. Scott.............    702-388-6611
                                           89101.
  Phoenix, AZ (DO)......................  Suite 800, 2828 N. Central  Robert J. Blaney..........    602-745-7200
                                           Ave., 85004-1025.
  San Diego, CA (DO)....................  Suite 550, 550 W. C St.,    Ruben Garcia..............    619-557-7250
                                           92101.
  San Francisco, CA (DO)................  6th Fl., 455 Market St.,    Mark Quinn................    415-744-6820
                                           94105.
  Santa Ana, CA (DO)....................  Suite 700, 200 W. Santa     Adalberto Quijada.........    714-550-7420
                                           Ana Blvd., 92701.
SEATTLE, WA (RO)........................  Suite 400, 2401 4th Ave.,   Nancy Porzio, Acting......    206-553-5676
                                           98121.
  Anchorage, AK (DO)....................  Suite 310, 510 L St.,       Karen Forsland............    907-271-4022
                                           99501.
  Boise, ID (DO)........................  Suite 330, 380 E.           Norman Proctor, Acting....    208-334-9004
                                           Parkcenter Blvd., 83702-
                                           3965.
  Portland, OR (DO).....................  Suite 950, 601 SW. 2d       Harry L. DeWolf...........    503-326-5221
                                           Ave., 97201-6695.
  Seattle, WA (DO)......................  Suite 450, 2401 4th Ave.,   Nancy Porzio..............    206-553-7040
                                           98121.
  Spokane, WA (BO)......................  Suite 200, 801 W.           Ted Schinzel, Acting......    509-353-2806
                                           Riverside, 99201.
----------------------------------------------------------------------------------------------------------------



[[Page 513]]


                                              Disaster Area Offices
----------------------------------------------------------------------------------------------------------------
                    Office                                           Address                         Telephone
----------------------------------------------------------------------------------------------------------------
Atlanta, GA...................................  Suite 700, 101 Marietta St., 30303..............    404-331-0333
Buffalo, NY...................................  120 S. Elmwood Ave., 14202......................    716-843-4100
Citrus Heights, CA............................  6501 Sylvan Rd. 95610...........................    916-566-7246
Fort Worth, TX................................  14925 Kingsport Rd., 76155......................    817-886-2300
----------------------------------------------------------------------------------------------------------------

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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