U.S. Rep. Shelley Moore Capito may end up with firsthand knowledge of the effects from Wall Street's banking crisis.

The 2nd District Republican tops the list of 51 members of Congress who may have lost a total of $13.2 million in their stock holdings over the past 15 months, according to an analysis of financial disclosure reports by Roll Call.

Capito faces a possible drop of at least $859,000 and as much as $3.44 million in her portfolio's value, the newspaper reported, making her "the biggest potential loser in Roll Call's analysis.''

Capito told The Associated Press she doesn't think about her personal situation. "Before I first heard those numbers, I hadn't really focused on it,'' she said.

Banking institutions have seen their stock values suffer from soured investments related to risky mortgages. On the flip side, the borrowers holding these loans struggle to keep up with payments and risk foreclosure.

Capito said she's focusing on crafting a legislative response to the related crisis in the nation's housing markets. Seeking a fifth term, Capito is on a key House subcommittee assigned to the issue.

"I count myself lucky. I have a home and a job,'' Capito said Thursday.

The Capitol Hill newspaper reviewed the annual reports for holdings in "more than a dozen of the most troubled banks and investment houses,'' including Bear Stearns, Countrywide Financial and Washington Mutual.

The analysis attributes Capito's exposure to the $1.5 million to $6.02 million worth of stock she has held in Citigroup. Capito said her husband, Charles Capito, has worked for an affiliate of the financial giant for his entire three-decade career.

U.S. Rep. Shelley Moore Capito may end up with firsthand knowledge of the effects from Wall Street's banking crisis.

The 2nd District Republican tops the list of 51 members of Congress who may have lost a total of $13.2 million in their stock holdings over the past 15 months, according to an analysis of financial disclosure reports by Roll Call.

Capito faces a possible drop of at least $859,000 and as much as $3.44 million in her portfolio's value, the newspaper reported, making her "the biggest potential loser in Roll Call's analysis.''

Capito told The Associated Press she doesn't think about her personal situation. "Before I first heard those numbers, I hadn't really focused on it,'' she said.

Banking institutions have seen their stock values suffer from soured investments related to risky mortgages. On the flip side, the borrowers holding these loans struggle to keep up with payments and risk foreclosure.

Capito said she's focusing on crafting a legislative response to the related crisis in the nation's housing markets. Seeking a fifth term, Capito is on a key House subcommittee assigned to the issue.

"I count myself lucky. I have a home and a job,'' Capito said Thursday.

The Capitol Hill newspaper reviewed the annual reports for holdings in "more than a dozen of the most troubled banks and investment houses,'' including Bear Stearns, Countrywide Financial and Washington Mutual.

The analysis attributes Capito's exposure to the $1.5 million to $6.02 million worth of stock she has held in Citigroup. Capito said her husband, Charles Capito, has worked for an affiliate of the financial giant for his entire three-decade career.

West Virginia's two other House members did not make Roll Call's list, nor did its two U.S. senators. Sen. Jay Rockefeller, a Democrat and among the wealthiest in that chamber, has all of his investments in blind trusts, his office noted Wednesday.

The full effect of banking-related losses will become public after members of Congress file their latest annual financial disclosure reports in mid-May.

The housing boom that preceded the foreclosure crisis had largely eluded West Virginia. But Capito's district includes the Eastern Panhandle, which has enjoyed what little growth the state has seen in that sector.

"I hear most about the housing issue mostly from the Eastern Panhandle,'' Capito said.

Capito is also the ranking Republican on a House Financial Services subcommittee, which concluded two days of hearings Thursday as the House drafts a bill to address the mortgage mess.

Capito said the panel received some good news Wednesday. Federal regulators agreed to cut some slack to middle- and lower-income applicants of Federal Housing Administration loans who have late or missed payments on their records.

The House also plans to update the lending rules of the FHA, to allow more homeowners to refinance into loans backed by the Depression-era agency. Capito expects the House bill to begin moving next week.

The Senate embraced a markedly different approach Thursday, with the 84-12 passage of a bill that combines large tax breaks for homebuilders and a $7,000 tax credit for people who buy foreclosed properties. That measure also features $4 billion in grants for communities to buy and fix up abandoned homes.