The financial crisis facing Jewish Community Center (JCC) programs and locations this week will come as an awful shock to tens of thousands of area Jews, and it should (see story, page 14).\n\nJCC officials and Federation lay leaders and staff stress there is no cause for panic. They believe they can work out a way to save the majority of JCC programs and locations. (The Federation is the largest donor to the JCC system.) But there is no question that without immediate community response, the JCC system faces severe cutbacks.\n