| UPGRADES & DOWNGRADES HISTORY |
| Date | Research Firm | Action | From | To | | 4-Nov-04 | Sandler O'Neill | Upgrade | Hold | Buy | | 30-Aug-02 | Raymond James | Initiated | | | | 6-Feb-01 | Tucker Anthny Cap Mkts | Initiated | | Strong Buy | | 12-Nov-98 | EVEREN Sec. | Initiated | | Outperform |
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| Current Month | Last Month | Two Months Ago | Three Months Ago | | Strong Buy | | | | | | Buy | | | | | | Hold | | | | | | Underperform | | | | | | Sell | | | | |
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