| UPGRADES & DOWNGRADES HISTORY |
| Date | Research Firm | Action | From | To | | 27-Jun-06 | Stifel Nicolaus | Initiated | | Hold | | 28-Nov-05 | Janney Mntgmy Scott | Downgrade | Buy | Neutral | | 20-Oct-05 | Sandler O'Neill | Upgrade | Sell | Hold | | 29-Sep-05 | Sandler O'Neill | Downgrade | Hold | Sell | | 8-Sep-05 | Keefe Bruyette | Downgrade | Outperform | Mkt Perform | | 20-Apr-05 | Keefe Bruyette | Upgrade | Mkt Perform | Outperform | | 4-Apr-05 | Janney Mntgmy Scott | Initiated | | Hold | | 14-Jun-04 | Ryan, Beck & Co | Upgrade | Underperform | Mkt Perform | | 16-Sep-03 | Ryan, Beck & Co | Downgrade | Mkt Perform | Underperform | | 18-Nov-02 | SunTrust Rbsn Humphrey | Downgrade | Outperform | Neutral |
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| Current Month | Last Month | Two Months Ago | Three Months Ago | | Strong Buy | | | | | | Buy | | | | | | Hold | | | | | | Underperform | | | | | | Sell | | | | |
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