| UPGRADES & DOWNGRADES HISTORY |
| Date | Research Firm | Action | From | To | | 29-May-07 | Sandler O'Neill | Upgrade | Hold | Buy | | 19-Dec-05 | Sandler O'Neill | Initiated | | Buy | | 27-Apr-00 | Janney Mntgmy Scott | Downgrade | Accumulate | Hold | | 24-May-99 | Jany Mntgmy Scott | Upgrade | Hold | Accumulate |
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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 | 1 | 1 | 1 | 1 | | Underperform | 0 | 0 | 0 | 0 | | Sell | 0 | 0 | 0 | 0 |
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