Discusses consolidation of Federal rural development programs and the availability and delivery of agricultural credit. Presents testimony and prepared statements from Committee members as well as reps. from the U.S. Dept. of Agriculture; Farm Credit System; Univ. of Kentucky; Great Atlantic Mortgage Service Corp.; Nat. Family Farm Coalition; North Dakota Agricultural Mediation Service; Indiana Statewide Assoc. of Rural Electric Coops.; Coastal Enterprises, Inc.; Nat. Rural Water Assoc., etc. Includes position statements from the Nat. Alliance for Fair Competition; Nat. Rural Housing Coalition; the Center for Rural Affairs, and others.