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Visiting Professor, Board of Governors of the Federal Reserve System, and Associate Professor of Business Administration, Tel-Aviv University. This study was performed while the author was visiting with the Federal Deposit Insurance Corporation. The author wishes to thank George J. Benston, Robert A. Eisenbeis and William A. Longbrake for their helpful comments. The views expressed in this paper are those of the author and not necessarily those of the FDIC or the Federal Reserve Board.