| UPGRADES & DOWNGRADES HISTORY |
| Date | Research Firm | Action | From | To | | 21-Jan-05 | Ferris Baker Watts | Downgrade | Hold | Sell | | 21-Jan-05 | Sandler O'Neill | Downgrade | Buy | Hold | | 23-Nov-04 | Ferris Baker Watts | Initiated | | Hold |
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| Current Month | Last Month | Two Months Ago | Three Months Ago | | Strong Buy | | | | | | Buy | | | | | | Hold | | | | | | Underperform | | | | | | Sell | | | | |
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