You need to understand shorts. Shorts are shorts only because they perceive the market trend to be downward for certain stocks. PNC is in a downward trend, infact their survivial is questionable. Basically they are insolvent and will soon be taken over by the FDIC leaving all the common stock virtually worthless. They are raising all their interest rates, service fees, penalty charges, membership costs..etc..etc.. to astronomical figures to compensate for huge coming losses. This total disregard and insensitivity toward their customers will drive away all the good ones leaving just the derelicts and an invitable collapse or government take-over. Sorry, a PNC customer who knows what he speaketh.