| UPGRADES & DOWNGRADES HISTORY |
| Date | Research Firm | Action | From | To | | 27-Jul-05 | Sandler O'Neill | Downgrade | Buy | Hold | | 23-Dec-03 | Keefe Bruyette | Downgrade | Outperform | Mkt Perform | | 4-Dec-02 | Ryan, Beck & Co | Downgrade | Mkt Perform | Underperform | | 5-Apr-99 | Friedman Billings | Initiated | | Accumulate |
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| Current Month | Last Month | Two Months Ago | Three Months Ago | | Strong Buy | | | | | | Buy | | | | | | Hold | | | | | | Underperform | | | | | | Sell | | | | |
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