This episode's headline: Thriftless Thrifts; Growing Pains; News Maker. The guests include C. EVERETT KOOP, Surgeon General; REP. CHARLES SCHUMER, House Banking Committee; R. DAN BRUMBAUGH, JR., Financial Consultant; M. DANNY WALL, Federal Home Loan Bank Board. Byline: In New York: ROBERT MacNeil; In Washington: JAMES LEHRER