John D' Allara, 47, Pearl River, N.Y., USA
police officer, emergency services unit, New York Police Department

Manuel Da Mota, 43, Valley Stream, N.Y., USA
millwork foreman, Bronx Builders

Caleb Arron Dack, 39, Montclair, N.J., USA
vice president and director of global sales and alliances, Encompys

Carlos S. DaCosta, 41, Elizabeth, N.J., USA
assistant general manager of building services, Port Authority of New York and New Jersey
Portuguese

Vincent D'Amadeo, 36, East Patchouge, N.Y., USA
Cantor Fitzgerald

Thomas A. Damaskinos, 33, Matawan, N.J., USA
vice president for operations, Cantor Fitzgerald

Jack L. D'Ambrosi Jr., 45, Woodcliff Lake, N.J., USA
vice president of operations, Cantor Fitzgerald

Jeannine Marie Damiani-Jones, 28, New York, N.Y., USA
bond broker, Cantor Fitzgerald

Patrick W. Danahy, 35, Yorktown Heights, N.Y., USA
portfolio manager, Fiduciary Trust International

Mary D'Antonio, 55, New York, N.Y., USA
Marsh & McLennan Cos. Inc.

Vincent G. Danz, 38, Farmingdale, N.Y., USA
police officer, emergency services unit, New York Police Department

Dwight Donald Darcy, 55, Bronxville, N.Y., USA
senior attorney, Port Authority of New York and New Jersey

Elizabeth Ann Darling, 28, Newark, N.J., USA
business analyst, Marsh & McLennan Cos. Inc.

Annette Andrea Dataram, 25, New York, N.Y., USA
accountant, Windows on the World

Lt. Edward Alexander D'Atri, 38, New York, N.Y., USA
firefighter, New York Fire Department

Michael D. D'Auria, 25, New York, N.Y., USA
firefighter, New York Fire Department

Lawrence Davidson, 51, New York, N.Y., USA
broker, Aon Corp.

Michael Allen Davidson, 27, Westfield, N.J., USA
Cantor Fitzgerald

Scott Matthew Davidson, 33, New York, N.Y., USA
firefighter, New York Fire Department

Niurka Davila, 47, New York, N.Y., USA
Port Authority of New York and New Jersey

Clinton Davis Sr., 38, New York, N.Y., USA
police officer, Port Authority of New York and New Jersey

Wayne Terrial Davis, 29, Fort Meade, Md., USA
Callixa

Anthony Richard Dawson, 32, Southampton, Hampshire, England

Calvin Dawson, 46, New York, N.Y., USA
Euro Brokers Inc.

Edward James Day, 45, New York, N.Y., USA
firefighter, New York Fire Department

Jayceryll M. de Chavez, 24, Carteret, N.J., USA
portfolio analyst, Fiduciary Trust International
, Filipino

Nataly de la Cruz, New York, N.Y., USA
, Venezuelan

Emerita (Emy) De La Pena, 32, New York, N.Y., USA
administrative assistant, Fiduciary Trust International

Azucena de la Torre, 50, New York, N.Y., USA
Cantor Fitzgerald

Cristina de Laura
, Colombian

Oscar de Laura
, Colombian

Francis (Frank) Albert De Martini, 49, New York, N.Y., USA
construction manager, Port Authority of New York and New Jersey

William T. Dean, 35, Floral Park, N.Y., USA
Marsh & McLennan Cos. Inc.

Robert J. DeAngelis Jr., 48, West Hempstead, N.Y., USA
project manager, Washington Group International

Thomas P. Deangelis, 51, Westbury, N.Y., USA
battalion commander, New York Fire Department

Tara Debek, 35, Babylon, N.Y., USA
assistant vice president, Marsh & McLennan Cos. Inc.

Anna Debin, 30, East Farmingdale, N.Y., USA
Cantor Fitzgerald

James V. DeBlase, 45, Manalapan, N.J., USA
bond broker, Cantor Fitzgerald

Paul DeCola, 39, Ridgewood, N.Y., USA
Cantor Fitzgerald

Simon Dedvukaj, 26, Mohegan Lake, N.Y., USA
janitorial, foreman, ABM Industries

Jason DeFazio, 29, New York, N.Y., USA
bond broker, Cantor Fitzgerald

David A. Defeo, 37, New York, N.Y., USA
Sandler O'Neill & Partners

Jennifer DeJesus, 23, New York, N.Y., USA
data entry worker, Morgan Stanley

Monique E. DeJesus, 28, New York, N.Y., USA
Cantor Fitzgerald

Nereida DeJesus, 30, New York, N.Y., USA
claims adjuster, Aon Corp.

Manuel Del Valle Jr., 32, New York, N.Y., USA
firefighter, New York Fire Department

Donald A. Delapenha, 37, Allendale, N.J., USA
Keefe, Bruyette & Woods

Vito Joseph Deleo, 41, New York, N.Y., USA
engineering, tenant man, ABM Industries

Danielle Delie, 47, New York, N.Y., USA

Joseph A. Della Pietra, 24, New York, N.Y., USA
Cantor Fitzgerald

Palmina Delli Gatti, 33, New York, N.Y., USA
accountant, Marsh & McLennan Cos. Inc.

Colleen Ann Deloughery, 41, Bayonne, N.J., USA
reinsurance specialist, Aon Corp.

Anthony Demas, 61, New York, N.Y., USA
Aon Corp.

Martin DeMeo, 47, Farmingville, N.Y., USA
firefighter, New York Fire Department

Francis X. Deming, 47, Franklin Lakes, N.J., USA
practice director, Oracle Corp.

Carol K. Demitz, 49, New York, N.Y., USA
senior vice president, chief corporate counsel, and secretary, Fiduciary Trust International

Kevin Dennis, 43, Peapack, N.J., USA
Cantor Fitzgerald

Thomas F. Dennis, 43, Setauket, N.Y., USA
Cantor Fitzgerald

Jean C. DePalma, 42, Newfoundland, N.J., USA
vice president of C.A.P.S. division, Marsh USA

Jose Nicholas Depena, 42, New York, N.Y., USA

Robert J. Deraney, 43, New York, N.Y., USA
financial consultant,

Michael DeRienzo, 37, Hoboken, N.J., USA
broker, Cantor Fitzgerald

David Paul DeRubbio, 38, New York, N.Y., USA
firefighter, New York Fire Department

Jemal Legesse DeSantis, 28, Jersey City, N.J., USA

Christian D. DeSimone, 23, Ringwood, N.J., USA
accountant, Marsh & McLennan Cos. Inc.

Edward DeSimone III, 36, Atlantic Highlands, N.J., USA
vice president, Cantor Fitzgerald

Lt. Andrew Desperito, 44, Patchogue, N.Y., USA
firefighter, New York Fire Department

Michael Jude D'Esposito, 32, Morganville, N.J., USA
computer programming consultant at Marsh & McLennan Cos. Inc.,

Cindy Ann Deuel, 28, New York, N.Y., USA
executive assistant, Carr Futures

Melanie Louise DeVere, 30, London, England
publisher of Waters Reference Products, Risk Waters Group

Jerry DeVito, 66, New York, N.Y., USA
driver, Fred Alger Management

Robert P. Devitt Jr., 36, Plainsboro, N.J., USA
Cantor Fitzgerald

Dennis Lawrence Devlin, 51, Washingtonville, N.Y., USA
battalion commander, New York Fire Department

Gerard Dewan, 35, New York, N.Y., USA
firefighter, New York Fire Department

Simon Dhanani, 63, Hartsdale, N.Y., USA
vice president, Aon Corp.

Michael L. DiAgostino, 41, Garden City, N.Y., USA
Cantor Fitzgerald

Lourdes Galletti Diaz, 32, New York, N.Y., USA
executive secretary, Cantor Fitzgerald

Matthew Diaz, 33, New York, N.Y., USA
carpenter,

Nancy Diaz, 28, New York, N.Y., USA
kitchen assistant, Windows on the World

Obdulio Ruiz Diaz, 44, New York, N.Y., USA
Bronx Builders

Michael Diaz-Piedra III, 49
vice president in charge of money planning, Bank of New York

Judith Berquis Diaz-Sierra, 32, Bay Shore, N.Y., USA
administrative assistant, Fiduciary Trust International

Patricia F. DiChiaro, 63, New York, N.Y., USA
Marsh & McLennan Cos. Inc.

Joseph D. Dickey Jr., 50, Manhasset, N.Y., USA
managing director, Cantor Fitzgerald

Lawrence Patrick Dickinson, 35, Morganville, N.J., USA
broker, Harvey Young Yurman Inc.

Michael D. Diehl, 48, Brick, N.J., USA
vice president, Fiduciary Trust International

John DiFato, 39, New York, N.Y., USA
securities controller, Cantor Fitzgerald

Vincent F. DiFazio, 43, Hampton, N.J., USA
Cantor Fitzgerald

Carl DiFranco, 27, New York, N.Y., USA
assistant vice president, Marsh & McLennan Cos. Inc.

Donald J. DiFranco, 43, New York, N.Y., USA
broadcast engineer, WABC-TV

Alexandra Costanza Digna, 25, New York, N.Y., USA

Debra Ann DiMartino, 36, New York, N.Y., USA
assistant trader, Keefe, Bruyette & Woods

Stephen P. Dimino, 48, Basking Ridge, N.J., USA
partner, Cantor Fitzgerald

William J. Dimmling, 47, Garden City, N.Y., USA
senior vice president financial system, Marsh Inc.

Christopher Dincuff, 31, Jersey City, N.J., USA
assistant trader, Carr Futures

Jeffrey M. Dingle, 32, New York, N.Y., USA
Encompys

Anthony DiOnisio Jr., 38, Glen Rock, N.J., USA
vice president of operations, Cantor Fitzgerald

George DiPasquale, 33, New York, N.Y., USA
firefighter, New York Fire Department

Joseph DiPilato, 57, New York, N.Y., USA
electrician, Petrocelli Electric

Douglas Frank DiStefano, 24, Hoboken, N.J., USA
Cantor Fitzgerald

Ramzi A. Doany, 35, Bayonne, N.J., USA
auditor, Marsh & McLennan Cos. Inc.

John J. Doherty, 58, Hartsdale, N.Y., USA
vice president, Aon Corp.

Melissa C. Doi, 32, New York, N.Y., USA
IQ Financial Systems

Brendan Dolan, 37, Glen Rock, N.J., USA
broker, Carr Futures

Neil Dollard, 28, Hoboken, N.J., USA
bond broker, Cantor Fitzgerald

James Joseph Domanico, 56, New York, N.Y., USA
New York State Department of Taxation and Finance

Benilda P. Domingo, 38, New York, N.Y., USA
janitorial, cleaner, ABM Industries
, Filipino

Charles Dominguez
Marsh & McLennan Cos. Inc.

Geronimo (Jerome) Mark Patrick Dominguez, 37, Holtsville, N.Y., USA
police officer, emergency services unit, New York Police Department

Lt. Kevin W. Donnelly, 43, New York, N.Y., USA
firefighter, New York Fire Department

Jacqueline Donovan, 34, New York, N.Y., USA
secretary, Keefe, Bruyette & Woods

Stephen Dorf, 39, New Milford, N.J., USA
maintenance and commications worker, Euro Brokers Inc.

Thomas Dowd, 37, Monroe, N.Y., USA
bond broker, Cantor Fitzgerald

Lt. Kevin Dowdell, USA
firefighter , New York Fire Department

Mary Yolanda Dowling, 46, New York, N.Y., USA
Aon Corp.

Ray M. Downey, 63, Deer Park, N.Y., USA
chief of special operations command, New York Fire Department

Frank Joseph Doyle, 39, Englewood, N.J., USA
head of equity trading, Keefe, Bruyette & Woods

Joseph M. Doyle, 25, New York, N.Y., USA
government bond supervisor, Cantor Fitzgerald

Randy Drake, 37, Lee's Summit, Mo., USA
network integration manager, Siemens

Stephen Patrick Driscoll, 38, Lake Carmel, N.Y., USA
police officer, New York Police Department

Mirna A. Duarte, 31, New York, N.Y., USA

Luke A. Dudek, 50, Livingston, N.J., USA
food and beverage controller, Windows on the World

Christopher Michael Duffy, 23, New York, N.Y., USA
assistant trader, Keefe, Bruyette & Woods

Gerard Duffy, 53, Manorville, N.Y., USA
firefighter, New York Fire Department

Michael Joseph Duffy, 29, Northport, N.Y., USA
bond salesman, Keefe, Bruyette & Woods

Thomas W. Duffy, 52, Pittsford, N.Y., USA
Marsh & McLennan Cos. Inc.

Antoinette Duger, 44, Belleville, N.J., USA
operations associate, Wachovia Corp.

Sareve Dukat, 53, New York, N.Y., USA
tax conferee, New York State Department of Taxation and Finance

Christopher Joseph Dunne, 28, Mineola, N.Y., USA

Richard A. Dunstan, 54, New Providence, N.J., USA
Aon Corp.

Patrick Thomas Dwyer, 37, Nissequogue, N.Y., USA
Cantor Fitzgerald

Joseph Anthony Eacobacci, 26, New York, N.Y., USA
Cantor Fitzgerald

John Bruce Eagleson, 53, Middlefield, Conn., USA
vice president, East Coast, The Westfield Group

Robert D. Eaton, 37, Manhasset, N.Y., USA
broker, Cantor Fitzgerald

Dean P. Eberling, 44, Cranford, N.J., USA
securities analyst, Keefe, Bruyette & Woods

Margaret Ruth Echtermann, 33, Hoboken, N.J., USA
leasing representative, Regus

Paul Robert Eckna, 28, West New York, N.J., USA
Cantor Fitzgerald

Constantine (Gus) Economos, 41, New York, N.Y., USA
partner, Sandler O'Neill & Partners

Dennis Michael Edwards, 35, Huntington, N.Y., USA
partner, Cantor Fitzgerald

Michael Hardy Edwards, 33, New York, N.Y., USA
managing director, Sandler O'Neill & Partners

Christine Egan, 55, Winnipeg, Manitoba, Canada
nurse epidemiologist, Health Canada

Lisa Egan, 31, Cliffside Park, N.J., USA
human resources manager, Cantor Fitzgerald

Capt. Martin Egan Jr., 36, New York, N.Y., USA
firefighter, New York Fire Department

Michael Egan, 51, Middletown, N.J., USA
Aon Corp.

Samantha Egan, 24, Jersey City, N.J., USA
Cantor Fitzgerald

Carole Eggert, 60, New York, N.Y., USA
assistant vice president and supervisor in finance department, Marsh & McLennan Cos. Inc.

Lisa Caren Weinstein Ehrlich, 36, New York, N.Y., USA
relationship manager, Aon Corp.

John Ernst (Jack) Eichler, 69, Cedar Grove, N.J., USA
retired director of administration, Cadwalader, Wickersham & Taft

Eric Adam Eisenberg, 32, Commack, N.Y., USA
Aon Corp.

Daphne F. Elder, 36, Newark, N.J., USA
business analyst, Marsh & McLennan Cos. Inc.

Michael J. Elferis, 27, College Point, N.Y., USA
firefighter, New York Fire Department

Mark J. Ellis, 26, South Huntington, N.Y., USA
police officer, transit district 4, New York Police Department

Valerie Silver Ellis, 46, New York, N.Y., USA
equities trader, Cantor Fitzgerald

Albert Alfy William Elmarry, 30, North Brunswick, N.J., USA
computer technician, Cantor Fitzgerald

Edgar H. Emery Jr., 45, Clifton, N.J., USA
Fiduciary Trust International

Doris Suk-Yuen Eng, 30, New York, N.Y., USA
club manager, Windows on the World

Christopher S. Epps, 29, USA
accountant, Marsh & McLennan Cos. Inc.

Ulf Ramm Ericson, 79, Greenwich, Conn., USA
civil engineer, Washington Group International

Erwin L. Erker, 41, Farmingdale, N.Y., USA
vice president, Marsh & McLennan Cos. Inc.

William J. Erwin, 30, Verona, N.J., USA
broker, Cantor Fitzgerald

Sarah (Ali) Escarcega, 35, Balham, England
freelance marketing consultant, Risk Waters Group

Jose Espinal, 31

Fanny M. Espinoza, 29, Teaneck, N.J., USA
compliance officer, Cantor Fitzgerald

Brigette Ann Esposito, 34, New York, N.Y., USA
consultant at Marsh & McLennan Cos. Inc.,

Francis Esposito, 32, New York, N.Y., USA
firefighter, New York Fire Department

Lt. Michael Esposito, 43, New York, N.Y., USA
firefighter, New York Fire Department

William Esposito, 51, Bellmore, N.Y., USA
partner, Cantor Fitzgerald

Ruben Esquilin Jr., 35, New York, N.Y., USA
maintenance employee, Fiduciary Trust International

Sadie Ette, 36, New York, N.Y., USA
accountant, Windows on the World

Barbara G. Etzold, 43, Jersey City, N.J., USA
receptionist, Fred Alger Management

Eric Brian Evans, 31, Weehawken, N.J., USA
Aon Corp.

Robert Evans, 36, Franklin Square, N.Y., USA
firefighter, New York Fire Department

Meredith Emily June Ewart, 29, Hoboken, N.J., USA
Aon Corp.

Catherine K. Fagan, 58, New York, N.Y., USA

Patricia M. Fagan, 55, Toms River, N.J., USA
insurance adjuster, Aon Corp.

Keith G. Fairben, 24, Floral Park, N.Y., USA
paramedic, New York Presbyterian Hospital

William F. Fallon Jr., 53, Rocky Hill, N.J., USA
general manager of strategic analysis and industry relations, Port Authority of New York and New Jersey

William Fallon, 38, Coram, N.Y., USA
Cantor Fitzgerald

Anthony J. Fallone Jr., 39, New York, N.Y., USA
bond broker, Cantor Fitzgerald

Dolores B. Fanelli, 38, Farmingville, N.Y., USA
Marsh & McLennan Cos. Inc.

John Joseph Fanning, 54, West Hempstead, N.Y., USA
battalion commander, New York Fire Department

Kathleen (Kit) Faragher, 33, Denver, Colo., USA
systems consultant, Janus Capital Corp.

Capt. Thomas Farino, 37, New York, N.Y., USA
firefighter, New York Fire Department

Nancy Carole Farley, 45, Jersey City, N.J., USA
claims negotiator, Reinsurance Solutions Inc.

Elizabeth Ann (Betty) Farmer, 62, New York, N.Y., USA
executive assistant contractor at Cantor Fitzgerald,

Douglas Farnum, 33, New York, N.Y., USA
software specialist, Marsh & McLennan Cos. Inc.

John G. Farrell, 32, New York, N.Y., USA
vice president and partner, government securities, Cantor Fitzgerald

John W. Farrell, 41, Basking Ridge, N.J., USA
trader, Sandler O'Neill & Partners

Terrence Patrick Farrell, 45, Huntington, N.Y., USA
firefighter, New York Fire Department

Capt. Joseph Farrelly, 47, New York, N.Y., USA
firefighter, New York Fire Department

Thomas P. Farrelly, 54, East Northport, N.Y., USA

Syed Abdul Fatha, 54, Newark, N.J., USA
customer service associate, Pitney Bowes

Christopher Faughnan, 37, South Orange, N.J., USA
bond trader, Cantor Fitzgerald

Wendy R. Faulkner, 47, Mason, Ohio, USA
vice president, Aon Corp.

Shannon M. Fava, 30, New York, N.Y., USA
assistant broker, Cantor Fitzgerald

Bernard D. Favuzza, 52, Suffern, N.Y., USA
broker, Cantor Fitzgerald

Robert Fazio Jr., 41, Freeport, N.Y., USA
New York Police Department

Ronald C. Fazio, 57, Closter, N.J., USA
accountant, Aon Corp.

William Feehan, 72, New York, N.Y., USA
first deputy commissioner, New York Fire Department

Francis J. (Frank) Feely, 41, Middletown, N.Y., USA
vice president, Marsh & McLennan Cos. Inc.

Garth E. Feeney, 28, New York, N.Y., USA
corporate development director, Data Synapse

Sean B. Fegan, 34, New York, N.Y., USA
broker, Fred Alger Management

Lee S. Fehling, 28, Wantagh, N.Y., USA
firefighter, New York Fire Department

Peter Feidelberg, 34, Hoboken, N.J., USA
Aon Corp.

Alan D. Feinberg, 48, New York, N.Y., USA
firefighter, New York Fire Department

Rosa Maria Feliciano, 30, New York, N.Y., USA
Marsh & McLennan Cos. Inc.

Edward T. Fergus Jr., 40, Wilton, Conn., USA
Cantor Fitzgerald

George Ferguson, 54, Teaneck, N.J., USA

Henry Fernandez, 23, New York, N.Y., USA
pastry maker, Windows on the World

Jose Manuel Contreras Fernandez, El Aguacate, Jalisco, Mexico

Judy H. Fernandez, 27, Parlin, N.J., USA
eSpeed, Cantor Fitzgerald

Elisa Giselle Ferraina, 27, London, England
senior conferences sponsorship coordinator, Risk Waters Group

Anne Marie Sallerin Ferreira, 29, Jersey City, N.J., USA
Cantor Fitzgerald

Robert John Ferris, 63, Garden City, N.Y., USA
Aon Corp.

David Francis Ferrugio, 46, Middletown, N.J., USA
Cantor Fitzgerald

Louis V. Fersini Jr., 38, Basking Ridge, N.J., USA
bond trader, Cantor Fitzgerald

Mike Ferugio, New York, N.Y., USA
insurance broker, Aon Corp.

Bradley James Fetchet, 24, New York, N.Y., USA
equity trader, Keefe, Bruyette & Woods

Jennifer Louise Fialko, 29, Teaneck, N.J., USA
client services, Aon Corp.

Kristen Fiedel, 27, New York, N.Y., USA
Marsh & McLennan Cos. Inc.

Samuel Fields, 36, New York, N.Y., USA
security officer, Summit Security Services

Michael Bradley Finnegan, 37, Basking Ridge, N.J., USA
currency broker, Cantor Fitzgerald

Timothy J. Finnerty, 33, Glen Rock, N.J., USA
broker, Cantor Fitzgerald

Michael Curtis Fiore, 46, New York, N.Y., USA
firefighter, New York Fire Department

Stephen J. Fiorelli, 43, Aberdeen, N.J., USA
civil engineer, Port Authority of New York and New Jersey

Paul M. Fiori, 31, Yorktown Heights, N.Y., USA
Cantor Fitzgerald

John Fiorito, 40, Stamford, Conn., USA
broker, Cantor Fitzgerald

Lt. John R. Fischer, 46, New York, N.Y., USA
firefighter, New York Fire Department

Andrew Fisher, 42, New York, N.Y., USA
director of internet sales, Imagine Software Inc.

Bennett Lawson Fisher, 58, Stamford, Conn., USA
senior vice president, Fiduciary Trust International

John Roger Fisher, 46, Bayonne, N.J., USA
security consultant, NanoTek

Thomas J. Fisher, 36, Union, N.J., USA
vice president for operations, Fiduciary Trust International

Lucy Fishman, 37, New York, N.Y., USA
executive secretary, Aon Corp.

Ryan D. Fitzgerald, 26, New York, N.Y., USA
foreign currency trader, Fiduciary Trust International

Thomas Fitzpatrick, 35, Tuckahoe, N.Y., USA
bond salesman financial adviser, Sandler O'Neill & Partners

Richard P. Fitzsimons, 57, Lynbrook, N.Y., USA
fire safety director, OCS Security

Salvatore A. Fiumefreddo, 47, Manalapan, N.J., USA
phone technician, IPC Kleinknect Electric Co.

Christina Donovan Flannery, 26, New York, N.Y., USA
Sandler O'Neill & Partners

Eileen Flecha, 33, New York, N.Y., USA
junior trader, Fiduciary Trust International

Andre G. Fletcher, 37, North Babylon, N.Y., USA
firefighter, New York Fire Department

Carl Flickinger, 38, Conyers, N.Y., USA
bond broker, Cantor Fitzgerald

John Joseph Florio, 33, Oceanside, N.Y., USA
firefighter, New York Fire Department

Joseph W. Flounders, 46, East Stroudsburg, Pa., USA
money market broker, Euro Brokers Inc.

David Fodor, 38, Garrison, N.Y., USA
accountant and volunteer fire marshal, Fiduciary Trust International

Lt. Michael N. Fodor, 53, Warwick, N.Y., USA
firefighter, New York Fire Department

Steven Mark Fogel, 40, Westfield, N.Y., USA
Cantor Fitzgerald

Thomas Foley, 32, West Nyack, N.Y., USA
firefighter, New York Fire Department

David Fontana, 37, New York, N.Y., USA
firefighter, New York Fire Department

Chih Min (Dennis) Foo, 40, Holmdel, N.J., USA

Bobby Forbes, 37, N.J., USA

Del Rose Forbes-Cheatham, 48, New York, N.Y., USA
Cantor Fitzgerald
, Jamaican

Godwin Forde, 39, New York, N.Y., USA

Donald A. Foreman, 53, New York, N.Y., USA
police officer, Port Authority of New York and New Jersey

Christopher Hugh Forsythe, 44, Basking Ridge, N.J., USA
foreign exchange money broker, Cantor Fitzgerald

Claudia Alicia Martinez Foster, 26, New York, N.Y., USA
broker assistant, Cantor Fitzgerald

Noel J. Foster, 40, Bridgewater, N.J., USA
vice president and producing broker, Aon Corp.

Ana Fosteris, 58, Coram, N.Y., USA

Robert J. Foti, 42, Albertson, N.Y., USA
firefighter, New York Fire Department

Yolette Fouchet

Jeffrey L. Fox, 40, Cranbury, N.J., USA
Keefe, Bruyette & Woods

Virginia Fox, 58, New York, N.Y., USA
Marsh & McLennan Cos. Inc.

Joan Francis, USA

Pauline Francis, 57, New York, N.Y., USA
food service handler, Forte Food Service

Virgin (Lucy) Francis, 62, New York, N.Y., USA
housekeeping staff, Windows on the World

Gary J. Frank, 35, South Amboy, N.J., USA
director of document control, Aon Corp.

Morton Frank, 31, New York, N.Y., USA
institutional sales desk, Cantor Fitzgerald

Peter Christopher Frank, 29, New York, N.Y., USA
financial analyst, Fred Alger Management

Richard K. Fraser, 32, New York, N.Y., USA
Aon Corp.

Kevin Joseph Frawley, 34, Bronxville, N.Y., USA
trader, Euro Brokers Inc.

Clyde Frazier Jr., 41, New York, N.Y., USA
tax investigator, New York State Department of Taxation and Finance

Lillian I. Frederick, 46, Teaneck, N.J., USA

Andrew Fredericks, 40, Suffern, N.Y., USA
firefighter, New York Fire Department

Jamitha Freemen, 35, New York, N.Y., USA
Aon Corp.

Brett O. Freiman, 29, Roslyn, N.Y., USA

Lt. Peter L. Freund, 45, Westtown, N.Y., USA
firefighter, New York Fire Department

Arlene E. Fried, 49, Roslyn Heights, N.Y., USA
vice president and assistant general counsel, Cantor Fitzgerald

Alan Wayne Friedlander, 52, Yorktown Heights, N.Y., USA
Aon Corp.

Andrew K. Friedman, 44, Woodbury, N.Y., USA
vice president for institutional equities, Carr Futures

Gregg J. Froehner, 46, Chester, N.J., USA
police officer, Port Authority of New York and New Jersey

Peter Christian Fry, 36, Wilton, Conn., USA
vice president of international money markets, Euro Brokers Inc.

Clement Fumando, 59, New York, N.Y., USA
foreign exchange operations manager, Cantor Fitzgerald

Steven Elliot Furman, 40, Wesley Hills, N.Y., USA
electricity options broker, Cantor Fitzgerald

Paul James Furmato, 37, Colts Neck, N.J., USA
vice president and institutional sales trader, Cantor Fitzgerald

Fredric Gabler, 30, New York, N.Y., USA
institutional equities trader, Cantor Fitzgerald

Richard S. Gabrielle, 50, West Haven, Conn., USA
insurance broker, Aon Corp.

James Andrew Gadiel, 23, New York, N.Y., USA
Cantor Fitzgerald

Pamela Gaff, 51, Robinsville, N.J., USA
Aon Corp.

Ervin Vincent Gailliard, 42, New York, N.Y., USA
security officer, Summit Security Services

Deanna L. Galante, 32, New York, N.Y., USA
personal assistant for eSpeed, Cantor Fitzgerald

Grace Galante, 29, New York, N.Y., USA
broker assistant, Cantor Fitzgerald

Anthony Edward Gallagher, 41, New York, N.Y., USA
energy broker, Cantor Fitzgerald

Daniel James Gallagher, 23, Red Bank, N.J., USA
Cantor Fitzgerald

John Patrick Gallagher, 31, Yonkers, N.Y., USA
electricity trader, Cantor Fitzgerald

Tomas Gallegos Linares, Queretaro, Mexico

Cono E. Gallo, 30, New York, N.Y., USA
commodities broker, Carr Futures

Vincenzo Gallucci, 36, Monroe, N.J., USA
senior vice president, Marsh & McLennan Cos. Inc.

Thomas Edward Galvin, 32, New York, N.Y., USA
senior vice president and corporate bond broker, Cantor Fitzgerald

Giovanna (Genni) Gambale, 27, New York, N.Y., USA
vice president in communications and media events, Cantor Fitzgerald

Thomas Gambino Jr., 48, Babylon, N.Y., USA
firefighter, New York Fire Department

Giann F. Gamboa, 26, New York, N.Y., USA
manager, Top of the World Cafe

Peter J. Ganci Jr., 55, North Massapequa, N.Y., USA
chief of department, New York Fire Department

Ladkat K. Ganesh, 27, N.J., USA

Claude Michael Gann, 41, Roswell, Ga., USA
sales executive, Algorithmics

Lt. Charles William Garbarini, 44, Pleasantville, N.Y., USA
firefighter, New York Fire Department

Cesar Garcia, 36, New York, N.Y., USA
Marsh & McLennan Cos. Inc.

David Garcia, 40, Freeport, N.Y., USA
consultant, Marsh & McLennan Cos. Inc.

Jorge Luis Morron Garcia, 38, New York, N.Y., USA
security officer, Summit Security Services
, Colombian

Juan Garcia, 50, New York, N.Y., USA
food service handler, Forte Food Service

Marlyn C. Garcia, 21, New York, N.Y., USA
Marsh & McLennan Cos. Inc.

Christopher Gardner, 36, Darien, Conn., USA
global risk services, Aon Corp.

Douglas B. Gardner, 39, New York, N.Y., USA
vice chairman of eSpeed, Cantor Fitzgerald

Harvey J. Gardner III, 35, Lakewood, N.J., USA
call records management supervisor, General Telecom

Jeffrey B. Gardner, 36, Hoboken, N.J., USA
environmental insurance broker, Marsh & McLennan Cos. Inc.

Thomas Gardner, 39, Oceanside, N.Y., USA
firefighter , New York Fire Department

William Arthur Gardner, 45, Lynbrook, N.Y., USA
Cantor Fitzgerald

Francesco Garfi, 29, New York, N.Y., USA
trader, Cantor Fitzgerald

Rocco Gargano, 28, Bayside, N.Y., USA
Cantor Fitzgerald

James M. Gartenberg, 36, New York, N.Y., USA
associate director, Julien J. Studley Inc.

Matthew David Garvey, 37, USA
firefighter, New York Fire Department

Bruce Gary, 51, Bellmore, N.Y., USA
firefighter, New York Fire Department

Boyd A. Gatton, 38, Jersey City, N.J., USA
operations officer, Fiduciary Trust International
, Bermudan

Donald Richard Gavagan Jr., 35, New York, N.Y., USA
Cantor Fitzgerald

Terence D. Gazzani, 24, New York, N.Y., USA
worked on repo desk, Cantor Fitzgerald

Gary Geidel, New York, N.Y., USA
firefighter , New York Fire Department

Paul Hamilton Geier, 36, Farmingdale, N.Y., USA
Cantor Fitzgerald

Julie M. Geis, 44, Lees Summit, Mo., USA
senior vice president, Aon Corp.

Peter Gelinas, 34, New York, N.Y., USA
partner, Cantor Fitzgerald

Steven Paul Geller, 52, New York, N.Y., USA
institutional trader, Cantor Fitzgerald

Howard G. Gelling Jr., 28, New York, N.Y., USA
managing director, Sandler O'Neill & Partners

Peter Victor Genco, 36, Rockville Centre, N.Y., USA
bond trader, Cantor Fitzgerald

Steven Gregory Genovese, 37, Basking Ridge, N.J., USA
trader, Cantor Fitzgerald

Alayne F. Gentul, 44, Mountain Lakes, N.J., USA
director of human resources, Fiduciary Trust International

Edward F. Geraghty, 45, Rockville Centre, N.Y., USA
battalion commander, New York Fire Department

Suzanne Geraty, 30, New York, N.Y., USA
system support worker, Cantor Fitzgerald

Ralph Gerhardt, 33, New York, N.Y., USA
vice president, Cantor Fitzgerald

Robert J. Gerlich, 56, Monroe, Conn., USA
accountant and consultant, Reinsurance Solutions Inc.

Denis P. Germain, 33, Tuxedo Park, N.Y., USA
firefighter, New York Fire Department

Marina R. Gertsberg, 25, New York, N.Y., USA
junior manager, Cantor Fitzgerald

Susan M. Getzendanner, 57, New York, N.Y., USA
vice president, Fiduciary Trust International

James Gerard Geyer, 41, Rockville Centre, N.Y., USA
bond broker, Cantor Fitzgerald

Joseph M. Giaccone, 43, Monroe, N.J., USA
head of telecommunications, eSpeed, Cantor Fitzgerald

Lt. Vincent Francis Giammona, 40, Valley Stream, N.Y., USA
firefighter, New York Fire Department

Debra L. Gibbon, 43, Hackettstown, N.J., USA
senior vice president, Aon Corp.

James A. Giberson, 43, New York, N.Y., USA
firefighter, New York Fire Department

Craig Neil Gibson, 37, New York, N.Y., USA
reinsurance broker, Marsh & McLennan Cos. Inc.

Ronnie Gies, 43, Merrick, N.Y., USA
firefighter, New York Fire Department

Laura A. Giglio, 35, Oceanside, N.Y., USA
executive assistant, Alliance Consulting

Andrew Clive Gilbert, 39, Califon, N.J., USA
Cantor Fitzgerald

Timothy Paul Gilbert, 35, Lebanon, N.J., USA
Cantor Fitzgerald

Paul Stuart Gilbey, 39, Chatham, N.J., USA
Euro Brokers Inc.
, British

Paul John Gill, 34, New York, N.Y., USA
firefighter, New York Fire Department

Mark Y. Gilles, 33, New York, N.Y., USA

Evan H. Gillette, 40, New York, N.Y., USA
vice president, Sandler O'Neill & Partners

Ronald Gilligan, 43, Norwalk, Conn., USA
Cantor Fitzgerald
, British

Sgt. Rodney C. Gillis, 34, New York, N.Y., USA
police officer, emergency services unit, New York Police Department

Laura Gilly, 32, New York, N.Y., USA
technical support, Cantor Fitzgerald

Lt. John F. Ginley, 37, Warwick, N.Y., USA
firefighter, New York Fire Department

Donna Marie Giordano, 44, Parlin, N.J., USA
broker, Aon Corp.

Jeffrey Giordano, 46, New York, N.Y., USA
firefighter, New York Fire Department

John Giordano, 46, Newburgh, N.Y., USA
firefighter, New York Fire Department

Steven A. Giorgetti, 43, Manhasset, N.Y., USA
senior vice president, Marsh & McLennan Cos. Inc.

Martin Giovinazzo, 34, New York, N.Y., USA
maintenance worker, Marsh & McLennan Cos. Inc.

Jinny Lady Giraldo, 27
, Colombian

Kum-Kum Girolamo, 41, New York, N.Y., USA
Aon Corp.

Salvatore Gitto, 44, Manalapan, N.J., USA
Marsh & McLennan Cos. Inc.

Cynthia Giugliano, 46, Nesconset, N.Y., USA
chief technical specialist, Empire Blue Cross/Blue Shield

Mon Gjonbalaj, 65, New York, N.Y., USA
janitorial, porter, ABM Industries

Dianne Gladstone, 55, New York, N.Y., USA
section head, New York State Department of Taxation and Finance

Keith Glascoe, 39, New York, N.Y., USA
firefighter, New York Fire Department

Thomas I. Glasser, 40, Summit, N.J., USA
partner, Sandler O'Neill & Partners

Harry Glenn, 38, Piscataway, N.J., USA
assistant vice president, global technology, Marsh & McLennan Cos. Inc.

Barry H. Glick, 55, Wayne, N.J., USA
Port Authority of New York and New Jersey

Steven Lawrence Glick, 42, Greenwich, Conn., USA
financial consultant, Credit Suisse First Boston

John T. Gnazzo, 32, New York, N.Y., USA
vice president of operations, Cantor Fitzgerald

William (Bill) Robert Godshalk, 35, New York, N.Y., USA
vice president, institutional equity sales, Keefe, Bruyette & Woods

Michael Gogliormella, 43, New Providence, N.J., USA
Cantor Fitzgerald

Brian Fredric Goldberg, 26, Union, N.J., USA
Fiduciary Trust International

Jeffrey Grant Goldflam, 48, Melville, N.Y., USA
Cantor Fitzgerald

Michelle Herman Goldstein, 31, New York, N.Y., USA
brokerage services, Aon Corp.

Monica Goldstein, 25, New York, N.Y., USA
Cantor Fitzgerald

Steven Goldstein, 35, Princeton, N.J., USA
computer analyst, Cantor Fitzgerald

Andrew H. Golkin, 30, New York, N.Y., USA
vice president, Cantor Fitzgerald

Dennis James Gomes, 40, New York, N.Y., USA
Fiduciary Trust International

Enrique Antonio Gomez, 42, New York, N.Y., USA
kitchen worker, Windows on the World

Jose Bienvenido Gomez, 45, New York, N.Y., USA
kitchen worker, Windows on the World

Manuel Gomez Jr., 42, New York, N.Y., USA
vice president, Fuji Bank

Max Gomez

Wilder Gomez, 38, New York, N.Y., USA
waiter and bartender, Windows on the World
, Colombian

Ana Irene Medina Gonzalez

Jenine Gonzalez, 27, New York, N.Y., USA
secretary, Aon Corp.

Joel Guevara Gonzalez, Aguascalientes, Aguascalientes, Mexico

Mauricio Gonzalez, 27, New York, N.Y., USA
carpenter,

Rosa J. Gonzalez, 32, Jersey City, N.J., USA
secretary, McKeon-Grano

Calvin J. Gooding, 38, Riverside, N.Y., USA
financial trader, Cantor Fitzgerald

Harry Goody, 50, New York, N.Y., USA
New York State Department of Taxation and Finance

Kiran Reddy Gopu, 24, Bridgeport, Conn., USA
graduate student in computer science, University of Bridgeport (Conn.) and Marsh USA

Catherine Carmen Gorayeb, 41, New York, N.Y., USA

Kerene Gordon, 43, New York, N.Y., USA
food service handler, Forte Food Service
, Jamaican

Sebastian Gorki, 27, New York, N.Y., USA
global equities division, Deutsche Bank

Kieran Gorman, 35, Yonkers, N.Y., USA
mason tender, Structure Tone

Thomas E. Gorman, 41, Middlesex, N.J., USA
police officer, Port Authority of New York and New Jersey

Michael Edward Gould, 29, Hoboken, N.J., USA
NASDAQ trader, Cantor Fitzgerald

Yuji Goya, 42, Rye, N.Y., USA
vice president, Mizuho Capital Markets Corp.
, Japanese

Jon Grabowski, 33, New York, N.Y., USA
vice president for technology information, Marsh & McLennan Cos. Inc.

Christopher Michael Grady, 39, Cranford, N.J., USA
Cantor Fitzgerald

Edwin John Graf III, 48, Rowayton, Conn., USA
vice president, Cantor Fitzgerald

David M. Graifman, 40, New York, N.Y., USA
vice president, Keefe, Bruyette & Woods

Gilbert Granados, 51, Hicksville, N.Y., USA
Aon Corp.

Elvira Granitto, 43, New York, N.Y., USA

Winston A. Grant, 59, West Hempstead, N.Y., USA

Christopher Stewart Gray, 32, Weehawken, N.J., USA
foreign exchange broker, Cantor Fitzgerald

James Michael Gray, 34, New York, N.Y., USA
firefighter, New York Fire Department

Linda Mair Grayling, 44, New York, N.Y., USA
receptionist, Marsh & McLennan Cos. Inc.

John Michael Grazioso, 41, Middletown, N.J., USA
eSpeed salesman, Cantor Fitzgerald

Timothy Grazioso, 42, Gulf Stream, Fla., USA
trader, Cantor Fitzgerald

Derrick Arthur Green, 44, New York, N.Y., USA
drywall worker,

Wade Brian Green, 42, Westbury, N.Y., USA
Thomson Financial Services

Elaine Myra Greenberg, 56, New York, N.Y., USA

Gayle R. Greene, 51, Montville, N.J., USA
vice president of professional resource group, Marsh & McLennan Cos. Inc.

James Arthur Greenleaf Jr., 32, New York, N.Y., USA
foreign exchange trader, Carr Futures

Eileen Marsha Greenstein, 52, Morris Plains, N.J., USA
Aon Corp.

Elizabeth (Lisa) Martin Gregg, 52, New York, N.Y., USA
senior vice president, Fred Alger Management

Denise Gregory, 39, New York, N.Y., USA
Carr Futures
, Jamaican

Donald H. Gregory, 62, Ramsey, N.J., USA
bond broker, Cantor Fitzgerald

Florence M. Gregory, 38, New York, N.Y., USA
marine insurance specialist, Aon Corp.

Pedro (David) Grehan, 35, Hoboken, N.J., USA
Cantor Fitzgerald

John M. Griffin, 38, Waldwick, N.J., USA
Silverstein Properties

Tawanna Griffin, 30, New York, N.Y., USA
food service handler, Forte Food Service

Joan D. Griffith, 39, Willingboro, N.J., USA
office manager, Fiduciary Trust International

Warren Grifka, 54, New York, N.Y., USA
Marsh & McLennan Cos. Inc.

Ramon Grijalvo, 58
Morgan Stanley
, Filipino

Joseph F. Grillo, 46, New York, N.Y., USA
risk finance analyst, Port Authority of New York and New Jersey

David Grimner, 51, Merrick, N.Y., USA
Marsh & McLennan Cos. Inc.

Kenneth Grouzalis, 56, Lyndhurst, N.J., USA
property manager/subterranean areas, Port Authority of New York and New Jersey

Joseph Grzelak, 52, New York, N.Y., USA
battalion commander, New York Fire Department

Matthew J. Grzymalski, 34, New Hyde Park, N.Y., USA
bond broker, Cantor Fitzgerald

Robert Joseph Gschaar, 55, Spring Valley, N.Y., USA
Aon Corp.

Liming (Michael) Gu, 34, Piscataway, N.J., USA
Marsh & McLennan Cos. Inc.

Jose Guadalupe, 37, USA
firefighter, New York Fire Department

Yan Z. (Cindy) Guan, 25, New York, N.Y., USA
New York State Department of Taxation and Finance

Geoffrey E. Guja, 47, Lindenhurst, N.Y., USA
firefighter, New York Fire Department

Lt. Joseph Gullickson, 37, New York, N.Y., USA
firefighter, New York Fire Department

Babita Guman, 33, New York, N.Y., USA
computer specialist, Fiduciary Trust International

Douglas B. Gurian, 38, Tenafly, N.J., USA
Radianz

Janet H. Gustafson, 48, New York, N.Y., USA

Philip T. Guza, 54, Sea Bright, N.J., USA
client specialist, Aon Corp.

Sabita Guzman

Barbara Guzzardo, 49, Glendale, N.Y., USA
insurance underwriter, Aon Corp.

Peter Gyulavary, 44, Warwick, N.Y., USA
environmental engineer, Washington Group International

Gary Robert Haag, 36, Ossining, N.Y., USA
claims department vice president, Marsh & McLennan Cos. Inc.

Andrea Lyn Haberman, 25, Chicago, Ill., USA
Carr Futures

Barbara M. Habib, 49, New York, N.Y., USA
vice president, Marsh & McLennan Cos. Inc.

Philip Haentzler, 49, New York, N.Y., USA
legal administrative officer, Kidder Peabody-Paine Webber

Nizam A. Hafiz, 32, New York, N.Y., USA
computer analyst, Marsh & McLennan Cos. Inc.
, Guyanese

Karen Hagerty, 34, New York, N.Y., USA
senior vice president, Aon Corp.

Steven Hagis, 31, New York, N.Y., USA
vice president, Cantor Fitzgerald

Mary Lou Hague, 26, New York, N.Y., USA
financial analyst, Keefe, Bruyette & Woods

David Halderman Jr., 40, New York, N.Y., USA
firefighter, New York Fire Department

Maile Rachel Hale, 26, Cambridge, Mass., USA
vice president of operations, Boston Investor Services

Richard Hall, 49, Purchase, N.Y., USA
senior vice president, Aon Corp.

Vaswald George Hall, 50, New York, N.Y., USA
courier, , Jamaican

Robert John Halligan, 59, Basking Ridge, N.J., USA
reinsurance broker, Aon Corp.
, British

Lt. Vincent Gerard Halloran, 43, North Salem, N.Y., USA
firefighter, New York Fire Department

James D. Halvorson, 56, Greenwich, Conn., USA
head of Global Infrastructure Group, Marsh & McLennan Cos. Inc.

Mohammed Salman Hamdani, 23, New York, N.Y., USA
research technician, Howard Hughes Medical Institute at Rockefeller University

Felicia Hamilton, 62, New York, N.Y., USA
Fiduciary Trust International

Robert Hamilton, 43, Washingtonville, N.Y., USA
firefighter, New York Fire Department

Frederic Kim Han, 45, Marlboro, N.J., USA
senior vice president, Cantor Fitzgerald

Christopher James Hanley, 34, New York, N.Y., USA
manager of business development, Radianz

Sean Hanley, 35, New York, N.Y., USA
firefighter, New York Fire Department

Valerie Joan Hanna, 57, Freeville, N.Y., USA
senior vice president, Marsh & McLennan Cos. Inc.

Thomas Hannafin, 36, New York, N.Y., USA
firefighter, New York Fire Department

Kevin James Hannaford, 32, Basking Ridge, N.J., USA
commodities broker, Cantor Fitzgerald

Michael L. Hannan, 34, Lynbrook, N.Y., USA
Marsh & McLennan Cos. Inc.

Dana Hannon, 29, Suffern, N.Y., USA
firefighter, New York Fire Department

Vassilios G. Haramis, 56, New York, N.Y., USA
mechanical engineer, Washington Group International

James A. Haran, 41, Malverne, N.Y., USA
broker, Cantor Fitzgerald

Jeffrey P. Hardy, 46, New York, N.Y., USA
executive chef, Forte Food Service

Timothy John Hargrave, 38, Readington, N.J., USA
vice president, Cantor Fitzgerald

Daniel Harlin, 41, Kent, N.Y., USA
firefighter , New York Fire Department

Frances Haros, 76, New York, N.Y., USA
Keefe, Bruyette & Woods

Lt. Harvey L. Harrell, 49, New York, N.Y., USA
firefighter, New York Fire Department

Lt. Stephen Gary Harrell, 44, Warwick, N.Y., USA
firefighter, New York Fire Department

Aisha Harris, 22, New York, N.Y., USA
switch operations technician, General Telecom

Stewart D. Harris, 52, Marlboro, N.J., USA
chief credit officer, Cantor Fitzgerald

John Patrick Hart, 38, Danville, Calif., USA
director of global operations, Franklin Templeton Investments

John Clinton Hartz, 64, Basking Ridge, N.J., USA
senior vice president, Fiduciary Trust International

Emeric J. Harvey, 56, Montclair, N.J., USA
president, Harvey Young Yurman Inc.

Capt. Thomas Theodore Haskell Jr., 37, Massapequa, N.Y., USA
firefighter, New York Fire Department

Timothy Haskell, 34, Seaford, N.Y., USA
firefighter, New York Fire Department

Joseph John Hasson III, 34, New York, N.Y., USA
Cantor Fitzgerald

Leonard William Hatton Jr., 45, Ridgefield Park, N.J., USA
special agent, Federal Bureau of Investigation

Capt. Terence S. Hatton, 41, New York, N.Y., USA
firefighter, New York Fire Department

Michael H. Haub, 34, Roslyn Heights, N.Y., USA
firefighter, New York Fire Department

Timothy Aaron Haviland, 41, Oceanside, N.Y., USA
software developer/computer programmer, Marsh & McLennan Cos. Inc.

Donald G. Havlish Jr., 53, Yardley, Pa., USA
senior vice president, Aon Corp.

Anthony Hawkins, 30, New York, N.Y., USA
maintenance worker, Cantor Fitzgerald

Nobuhiro Hayatsu, 36, Scarsdale, N.Y., USA
vice president, Chuo Mitsui Trust and Banking Co.

Philip Hayes, 67, Northport, N.Y., USA
fire safety director, OCS Security

William Ward Haynes, 35, Rye, N.Y., USA
derivatives broker, Cantor Fitzgerald

Scott Hazelcorn, 29, Hoboken, N.J., USA
bond trader, Cantor Fitzgerald

Lt. Michael K. Healey, 42, East Patchogue, N.Y., USA
firefighter, New York Fire Department

Roberta Bernstein Heber, 60, New York, N.Y., USA
systems analyst, Marsh & McLennan Cos. Inc.

Charles Francis Xavier Heeran, 23, Belle Harbor, N.Y., USA
institutional equities trader, Cantor Fitzgerald

John Heffernan, 37, New York, N.Y., USA
firefighter, New York Fire Department

Howard Joseph Heller Jr., 37, Ridgefield, Conn., USA
managed funds expert, Carr Futures

JoAnn L. Heltibridle, 46, Springfield, N.J., USA
senior vice president, Marsh & McLennan Cos. Inc.

Mark F. Hemschoot, 45, Red Bank, N.J., USA
senior vice president, Aon Corp.

Ronnie Lee Henderson, 52, Newburgh, N.Y., USA
firefighter, New York Fire Department

Janet Hendricks
Aon Corp.

Brian Hennessey, 35, Ringoes, N.J., USA
Cantor Fitzgerald

Michelle Marie Henrique, 27, New York, N.Y., USA
administrative assistant, Fiduciary Trust International

Joseph P. Henry, 25, New York, N.Y., USA
firefighter, New York Fire Department

William Henry, 49, New York, N.Y., USA
firefighter, New York Fire Department

John Henwood, 35, New York, N.Y., USA
broker, Cantor Fitzgerald

Robert Allan Hepburn, 39, Union, N.J., USA
office service manager, Marsh & McLennan Cos. Inc.

Mary (Molly) Herencia, 47, New York, N.Y., USA
insurance broker, Aon Corp.

Lindsay Coates Herkness III, 58, New York, N.Y., USA
senior vice president, Morgan Stanley

Harvey Robert Hermer, 59, New York, N.Y., USA
wire person, Forest Electric Corp.

Anabel Hernandez, 41
Chase Manhattan Bank
, Venezuelan

Claribel Hernandez, 31, New York, N.Y., USA
administrative assistant, Sybase

Eduardo Hernandez, 40
Chase Manhattan Bank
, Venezuelan

Norberto Hernandez, 42, New York, N.Y., USA
pastry sous chef, Windows on the World

Raul Hernandez, 51, New York, N.Y., USA
maintenance supervisor, Cantor Fitzgerald

Gary Herold, 44, Farmingdale, N.Y., USA
risk management insurance, Aon Corp.

Jeffrey A. Hersch, 53, New York, N.Y., USA
Cantor Fitzgerald

Thomas Hetzel, 33, Elmont, N.Y., USA
firefighter, New York Fire Department

Capt. Brian Hickey, New York, N.Y., USA
firefighter , New York Fire Department

Ysidro Hidalgo-Tejada, Dominican Republic
food preparation, Windows on the World

Lt. Timothy Higgins, 43, Farmingville, N.Y., USA
firefighter, New York Fire Department

Robert D. Higley II, 29, New Fairfield, Conn., USA
client services, Aon Corp.

Todd Russell Hill, 34, Boston, Mass., USA
account executive, QRS Corp.

Clara Victorine Hinds, 52, New York, N.Y., USA
seamstress, Windows on the World

Neal Hinds, 28, New York, N.Y., USA
personal banker, Bank of New York
, Jamaican

Mark D. Hindy, 28, New York, N.Y., USA
Cantor Fitzgerald

Katsuyuki Hirai, 32, Hartsdale, N.Y., USA

Heather Malia Ho, 32, New York, N.Y., USA
executive pastry chef, Windows on the World

Tara Yvette Hobbs, 31, New York, N.Y., USA
employee in insurance division, Aon Corp.

Thomas A. Hobbs, 41, Baldwin, N.Y., USA
Cantor Fitzgerald

James L. Hobin, 47, Marlborough, Conn., USA
vice president, Marsh & McLennan Cos. Inc.

Robert Wayne Hobson III, 36, New Providence, N.J., USA
broker, Cantor Fitzgerald

DaJuan Hodges, 29, New York, N.Y., USA
management services, Marsh & McLennan Cos. Inc.

Ronald George Hoerner, 58, Massapequa Park, N.Y., USA
security manager, Summit Security Services

Patrick Aloysius Hoey, 53, Middletown, N.J., USA
executive manager of tunnels, bridges and terminals, Port Authority of New York and New Jersey

Frederick J. Hoffman, 53, N.J., USA
partner, Cantor Fitzgerald

Joseph Hoffman, 43

Marcia Hoffman, 52, New York, N.Y., USA
Cantor Fitzgerald

Michele L. Hoffman, 27, Freehold, N.J., USA
Cantor Fitzgerald

Stephen G. Hoffman, 36, Long Beach, N.Y., USA
bond broker, Cantor Fitzgerald

Judith Florence Hofmiller, 53, Brookfield, Conn., USA
senior software consultant, Marsh & McLennan Cos. Inc.

Thomas Warren Hohlweck Jr., 57, Harrison, N.Y., USA
senior vice president, Aon Corp.

Jonathan R. Hohmann, 48, New York, N.Y., USA
firefighter, New York Fire Department

John Holland, 30
Windows on the World

Joseph Francis Holland III, 32, Glen Rock, N.J., USA
broker, Carr Futures

Elizabeth Holmes, 42, New York, N.Y., USA
communications, Euro Brokers Inc.

Thomas P. Holohan Jr., 36, Chester, N.Y., USA
firefighter, New York Fire Department

Bradley Hoorn, 22, Richland, Mich., USA
Fred Alger Management

James P. Hopper, 52, Farmingdale, N.Y., USA
Cantor Fitzgerald

Montgomery McCullough Hord, 46, Pelham, N.Y., USA
vice president, Cantor Fitzgerald

Michael Horn, 27, Lynbrook, N.Y., USA
software support technician, Cantor Fitzgerald

Matthew D. Horning, 26, Hoboken, N.J., USA
Marsh & McLennan Cos. Inc.

Robert L. Horohoe Jr., 31, New York, N.Y., USA
vice president, corporate bonds, Cantor Fitzgerald

Aaron Horwitz, 24, New York, N.Y., USA
bond broker, Cantor Fitzgerald

Charles J. Houston, 42, New York, N.Y., USA
Euro Brokers Inc.

Uhuru G. Houston, 32, Englewood, N.J., USA
police officer, Port Authority of New York and New Jersey

George Howard, 45, Hicksville, N.Y., USA
police officer, Port Authority of New York and New Jersey

Michael C. Howell, 60, New York, N.Y., USA
information services manager, Fred Alger Management

Steven L. Howell, 36, New York, N.Y., USA
desktop support manager, Marsh & McLennan Cos. Inc.

Jennifer L. Howley, 34, New Hyde Park, N.Y., USA
Aon Corp.

Milagros Hromada, 35, New York, N.Y., USA
Aon Corp.

Marian Hrycak, 56, New York, N.Y., USA
New York State Department of Taxation and Finance

Stephen Huczko Jr., 44, Bethlehem, N.J., USA
police officer, Port Authority of New York and New Jersey

Kris R. Hughes, 30, Nesconset, N.Y., USA
securities trader, Keefe, Bruyette & Woods

Melissa Harrington Hughes, 31, San Francisco, Calif., USA
director of business development, Slam Dunk Networks

Paul R. Hughes, 38, Stamford, Conn., USA
data systems manager, Marsh USA

Robert T. "Bobby" Hughes Jr., 23, Sayreville, N.J., USA
margins clerk, Bank of America

Thomas F. Hughes, 46, Spring Lake Heights, N.J., USA
owner, Colonial Art Decorators

Timothy Robert Hughes, 43, Madison, N.J., USA
Cantor Fitzgerald

Susan Huie, 43, Fair Lawn, N.J., USA
Compaq

Mychal Lamar Hulse, 30, New York, N.Y., USA

Kathleen (Casey) Hunt, 43, Middletown, N.J., USA
employee on equity trading desk, Sandler O'Neill & Partners

William C. Hunt, 32, Norwalk, Conn., USA
bond trader, Euro Brokers Inc.

Joseph Hunter, 32, South Hempstead, N.Y., USA
firefighter, New York Fire Department

Robert Hussa, 51, Roslyn, N.Y., USA
senior vice president, Carr Futures

Thomas E. Hynes, 28, Norwalk, Conn., USA
account manager, Vestek division of Thomson Financial

Capt. Walter Hynes, 46, Belle Harbor, N.Y., USA
firefighter, New York Fire Department