21.   The Independent Bankers Association of America, which represents these small banks, said yesterday that it has turned against the regulatory relief bill.

22.   The plan allows New York-based Nynex to join several other BabyBells who have received some regulatory relief.

23.   The regulatory relief provisions would allow companies to challenge in court whether an agency properly considered the impact of regulations on small businesses.

24.   The Senate Banking Committee has passed a regulatory relief bill that is much more watered-down and less controversial than the House version.

25.   These benefits are created ultimately from the competition that ensues under regulatory relief.

26.   They attached provisions that would provide regulatory relief for small businesses and increase the amount Social Security recipients can earn before losing benefits.

27.   They have provided generous tax breaks and regulatory relief to give developers incentives to build.

28.   They would also receive regulatory relief and flexibility on what they chose to plant.

29.   This would make it harder for the banking industry to turn against the Glass-Steagall measure because thousands of small banks want the regulatory relief bill to pass.

30.   When Bell Atlantic officials recently sought regulatory relief on an obscure telephone issue, they sent an all-black lobbying team.