national crisis. Bankers as a group offered few remedies for the critical economic situation of which they were so vital a part. Too close to their own local problems, few bankers were able to achieve an overall view of banking conditions. Those who did were voices crying in the wilderness. Because of their inability to evolve a unified plan of action to correct banking abuses, bankers were unprepared to cope with the declining situation. It is not surprising then that they made few positive contributions to the bank reform legislation enacted during the first hundred days of the Roosevelt administration.