Spurred on by a lack of other investment choices, commercial banks loaded up on GSE debt at the end of last year. According to numbers from the Federal Deposit Insurance Corp., banks held a year-end record of $227.19 billion in debt obligations issued by Fannie Mae, Freddie Mac and the Federal Home Loan Banks at the end of 2002. That was $36.93 billion – or 19 percent – more than they held at the