As the second largest individual owner of shares behind David Sokol ( about 4% ) I fully support his filings and his letters to the BoD and suspect the vast majority of non management shareholders feel the same way. The small community banks are in a competitive vise in which they will continue to lose market share to the large regional holding companies. While at my present holding level and current non-activist posture I am not required to file with the SEC. On the other hand my interests are aligned with those that Mr. Sokol has espoused. Furthermore, while I have never spoken with him or any of his representatives you can be assured that I will gladly join him if the Board is not responsive to his requests. I also am strongly anticipating not supporting the current management at the upcoming Annual Meeting.