| UPGRADES & DOWNGRADES HISTORY |
| Date | Research Firm | Action | From | To | | 7-Mar-08 | Keefe Bruyette | Upgrade | Mkt Perform | Outperform | | 19-Oct-06 | Ryan, Beck & Co | Downgrade | Outperform | Mkt Perform | | 13-Jun-06 | Ryan, Beck & Co | Upgrade | Mkt Perform | Outperform | | 17-May-06 | Keefe Bruyette | Upgrade | Mkt Perform | Outperform | | 31-Mar-06 | Ryan, Beck & Co | Initiated | | Mkt Perform | | 12-Jul-05 | Keefe Bruyette | Downgrade | Outperform | Mkt Perform | | 27-Apr-05 | Keefe Bruyette | Upgrade | Mkt Perform | Outperform | | 26-Apr-05 | Friedman Billings | Upgrade | Mkt Perform | Outperform | | 21-Jan-05 | Sandler O'Neill | Upgrade | Hold | Buy | | 9-Dec-04 | Sandler O'Neill | Downgrade | Buy | Hold |
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| Current Month | Last Month | Two Months Ago | Three Months Ago | | Strong Buy | 0 | 0 | 0 | 0 | | Buy | 0 | 0 | 0 | 0 | | Hold | 2 | 2 | 2 | 2 | | Underperform | 0 | 0 | 0 | 0 | | Sell | 0 | 0 | 0 | 0 |
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