| UPGRADES & DOWNGRADES HISTORY |
| Date | Research Firm | Action | From | To | | 22-Dec-05 | Keefe Bruyette | Downgrade | Mkt Perform | Underperform | | 16-Mar-05 | Sandler O'Neill | Downgrade | Buy | Hold | | 7-Apr-04 | Blaylock & Partners | Initiated | | Buy | | 6-Jul-98 | Merrill Lynch | Downgrade | LT Buy | LT Accumulate | | 23-Jun-98 | Bear Stearns | Initiated | | Buy |
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| Current Month | Last Month | Two Months Ago | Three Months Ago | | Strong Buy | 1 | 1 | 1 | 0 | | Buy | 3 | 2 | 2 | 0 | | Hold | 0 | 0 | 0 | 0 | | Underperform | 3 | 3 | 2 | 0 | | Sell | 0 | 1 | 1 | 0 |
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