A federal judge ordered Google to deactivate an email account of someone who was sent a confidential email by accident by a bank. The order was issued by the U.S. District Court Judge James Ware. He is a district court judge in the northern district of California.

Along with the order to deactivate the account, the judge also ordered that the gmail account user be identified and that the court be given his or her contact information, even though the Gmail account user has not been accused of any wrong doing in the case.

The ruling stems from a monumental error by the Wilson, Wyo.-based Rocky Mountain Bank. On Aug. 12, the bank mistakenly sent names, addresses, social security numbers and loan information of more than 1,300 customers to a Gmail address. When the bank realized the problem, it sent a message to that same address asking the recipient to contact the bank and destroy the file without opening it. No one responded, so the bank contacted Google to ask for information about the account holder.

In keeping with its privacy policy, Google told the bank it would have to get a court order to obtain such data. The bank then filed papers asking a court to order Google to disclose the information and deactivate the account.

When the bank tried to file its papers under a seal, the U.S. District Court Judge Ronald Whyte did not allow that to happen. It was earlier in the week that the case went from Whyte to Ware.

What do you do when an email account is given information that it was obviously never supposed to get? i think that the user in this situation should at least be notified as to what is going on with his or her account (and the bank, along with the U.S. District Court should hope that the user is not a consumer rights activist or read the Consumerist on a regular basis.). I suppose the bank should have tried to shut down the email that was sent, but should the email account really have been turned off completely?

What do you all think?

I’m not so sure myself. I don’t think that the account should have been turned off.

Budget cuts in the nation’s public schools means that many states are having to find ways to limit what it spends on public schools in their budgets. I find it ironic in a way because it seems like taxes have increased at the same time that budget cuts for public education is being introduced. However, in places where homes are being appraised for much less, property taxes are much less and therefore, schools have less money to work with.

So where will your children be feeling the pinch?

Many schools will be saying goodbye to band and other music programs. At many schools, extracurricular activities like band and art clubs may be eliminated. Many curriculums are being cut down to the minimums because of teachers being laid off. This has been going on for years in many of the more rural areas of the country. At the same time, most (if not all) states have a requirement for a fine art class in high school. So, some of these classes will have to stick around.

Classes will become more crowded. In California alone 27,000 teachers have been laid off with more expected to be soon. This accounts for 15% of California’s public teacher pool. And fewer teachers means bigger classes. Many classes are having to bump up the number of kids to a class. Some classes are even going from 20 to a class to 30 to a class. This is what the San Jose Unified School District is doing and it will end up saving the district nearly $6 million for the year.

Summer programs will be, if they haven’t already been, cut. Summer programs in places where budget deficits have led to more cuts in schools, like California which is suffering from a $24 billion budget gap. Parents who usually enroll their children in some kind of public funded summer program will now have to find child care for their children. This also means cutting summer school. So when a high school senior needs that “one more credit” to graduate he or she will be out of luck.

Finally, bus services will be hurt. The number of schools that cut bus transportation routes for the 2009-2010 school year rose to 23%, up from 14% the year prior. If a school decides to cut bus routes, it can obviously save thousands of dollars (per school). However, many students (again, in more rural areas) may be finding themselves without a way to get to school. I can see where this would lead to serious truancy issues.

I think that it is important to cut money from other areas than public schools. Personally, the money should come out of anywhere else first.

On the boot heels of a Lucrative Investing article about the top 25 areas in America to succeed in business, an article must supplement that and provide the best places in America to go broke due to the high cost of living and failing economy. There are a few things that this writer finds rather symbolic, ironic even, about these locations, some due to the locations involved in the previous article, which you will see if you read both articles, and some are from personal connections.

One thing that the intuitive reader will notice is that in the previous article, a lot of suburbs and rural areas were credited as the best places to prosper. In this article, conversely, major cities are picked on. That is primarily caused by a more demanding economy, with most of these cities totaling well over one million residents.

Thanks to real estate prices that are ‘through the roof’, pun intended, high costs of living, and the highest unemployment rates in the nation next to Detroit, Los Angeles tops our list. Despite being home to the President of the United States, with high real estate prices, high cost of living that is barely under LA and New York City, and almost 10% unemployment, Chicago comes in second. Miami comes in third, despite having three of its close suburbs on the positive list from yesterday’s article.

Residents of The Big Apple have to try to curb the high costs of living, exorbinant living expenses, as even rent in many Manhattan condos can draw blood, only with a median income of $69,500. That may seem reasonable, but remember, so many television personalities live in New York City, like all sorts of nationally syndicated newscasters and the Olsen twins. Naturally, that brings the salary for “normal” people much lower. Coupled with an 8.8% unemployment rate, that brings frenzy to the streets of New York, and puts them at number four. Providence, Rhode Island is fifh on the list, primarily due to the fact that business activity is scarce. Few businesses are quick to branch out into Rhode Island, few universities there come out with top workforce prospects, and venture business capital cannot be easily obtained. Median salary is around 56,000. That obviously means many people are under 30,000 a year, with which it is hard to provide for a family.

The most ironic thing about this list is the fact that some larger cities that are on this list, namely Miami, Boston, Los Angeles, and San Francisco, have suburbs that made it near the top of the list on yesterday’s article about productive areas. The suburbs are thriving, but as soon as you hit the city limits, you theoretically hit poverty central. Unfortunately, this is the pattern of a large recession. These cities will bounce back like they always do. When the economy bounces back, it will bounce back as quickly as it declined, and these cities will thrive once again.

Full list (ties are designated with matching numbers):

19. Boston, Massachusetts

19. Warren, Michigan

18. San Francisco, California

17. Jacksonville, Florida

16. St. Louis, Missouri

15. Orlando, Florida

13. Memphis, Tennessee

13. Tampa, Florida

12. Portland, Oregon

11. Philadelphia, Pennsylvania

10. San Diego, California

9. Newark, New Jersey

8. Cleveland, Ohio

7. Long Island, New York

6. Riverside, California

5. Providence, Rhode Island

4. New York, New York

3. Miami, Florida

2. Chicago, Illinois

1. Los Angeles, California

]]> http://www.thelucrativeinvestor.com/best-places-america-starve/feed/ 0 http://www.thelucrativeinvestor.com/financially-productive-areas/ http://www.thelucrativeinvestor.com/financially-productive-areas/#comments Tue, 12 May 2009 01:54:00 +0000 Jeremy http://www.thelucrativeinvestor.com/?p=1122

Even in the worst economic situation since the Carter administration, Forbes magazine often likes to reveal whatever positive sides it can, much like I do. In an article written from expertly executed research campaigns and quotes from successful entrepreneurs, they found the most lucrative and financially prosperous places in the United States to set up residence. They based these findings on four factors: cultural amenities, business friendly environments, knowledgeable and productive workforces and generous salaries.

Joshua Onysko, an entrepreneur and owner of Pangaea Organics, opened his skin care business when he moved to Boulder, Colorado, which he did, aside for the personal benefits, due to the business benefits. The business benefits include a strong venture capital environment, similar start-up businesses all throughout the area, and talented workforce candidates from nearby University of Colorado. While other businesses are contracting, Onysko’s endeavors are expanding. He has reported a 225% increase since 2005 which is still increasing.

Factors that can put an area on this list of profitable areas can include pending and active patents, venture capital funding, self employment businesses, start-ups and small businesses with a high rate per capita. This basically covers anything that displays quality business activity, indicating profitability, success and a desire to live in relative prosperity. This places Boulder, Colorado, at number one on the list.

The basic Miami area, especially Doral and Kendall, Florida, suburbs about 15 miles out, one north, one south, offer a great environment for more active businesses like golf courses and beaches. They also have one of the largest amounts of small businesses in the country per capita, clinching the number two spot and number 25 spot in this list. Following a close third is Fairfax, Virginia, exhibiting one of the best public school systems in the country, a median salary that barely misses a six figure total, a large amount of small corporations, and a main highway that leads right to McLean, Virginia, right outside of Washington D.C. McLean is one of the corporate capitals of the nation due to the presence of Capital One, Bearingpoint, Booz Allen Hamilton, Cardinal Bank, Freddie Mac, Gannett, Mars, MicroStrategy, NVR, Sunrise Senior Living, and USA Today.

Mountain View, Calfornia comes in fourth due to its proximity to San Jose and San Francisco combined with the amount of start up businesses and venture capital. Nearby Cupertino, just east of San Francisco, comes in a close fifth due to much of the same criteria. Coral Gables, Florida (9), Evanston, Illinois (18) and Newton, Massachusetts (6) tend to produce patents, start-ups, and venture capital due to their proximity in relation to major research universities. Santa Fe, New Mexico, though only number 24 on the full list of 25, is unique to the list due to the entertainment venues it provides, with related sole-proprietors and skilled workers. Columbia, Maryland, on the other side of Washington D.C. from Fairfax and 20 minutes from corporate Baltimore, came in at number seven. (Nearby Rockville, North Potomac, Germantown, Silver Spring and Potomac placed 8, 13, 17, 20 and 23, respectively.) As a native of that area of Maryland, this author is aware of the advantages in Columbia and, as an entrepreneur, takes advantage of them. There a lot of small to medium sized businesses in Columbia, Meriweather Post Pavilion, a major music and entertainment venue, and lots of venture capital.

As is made obvious, contrary to the current economic state, there is still a bright side to business and personal finance, especially if you live in California, Florida, Colorado, New Mexico, or the mid-atlantic region (Maryland and Virginia) of the country. The bottom line of these findings are easy to decipher. Any business can still succeed, even if a drastic measure like locational placement change must occur, and with strong business centers in nearly every portion of the country, the economy still has a strong core.

Since all locations were not listed, here is the full list:

25. Kendall, Florida- A southern suburb of Miami, parallel to Key Biscayne

24. Santa Fe, New Mexico- Northern New Mexico, northern part of the state

23. Potomac, Maryland- Just on the Maryland side of D.C.

22. Sugar Land, Texas- A southwest suburb of Houston

21. Tustin, California- South of Los Angeles and east of Long Beach

20. Silver Spring, Maryland- A Washington D.C. suburb, nearly directly inside the border

19. Davis, California – Between Sacramento and the Bay area

18. Evanston, Illinois – North of Chicago, on the shore of Lake Michigan

17. Germantown, Maryland- A northwest suburb of D.C.

16. Aliso Viejo, California- Between Laguna Beach and Laguna Hills

15. Sandy Springs, Georgia- A suburb north of Atlanta

14. Santa Monica, California- North of Los Angeles, on the beach

13. North Potomac, Maryland- Farther out than Bethesda, Chevy Chase and Potomac

12. Hillsborough, California, north of San Francisco and San Jose

11. Bellmont, California- South of Hillsborough, right between S.F. and S.J.

10. Foster City, California- South of San Francisco

9. Coral Gables, Florida- A southwest suburb of Miami

8. Rockville, Maryland- Another D.C. suburb but farther inside Maryland

7. Columbia, Maryland- Directly between Baltimore and D.C.

6. Newton, Massachusetts- A suburb west of Boston

5. Cupertino, California- South of San Francisco and west of San Jose

4. Mountain View, California- South of Palo Alto on the bay peninsula

3. Fairfax, Virginia- A western D.C. suburb

2. Doral, Florida- Another Miami suburb

1. Boulder, Colorado- Northwest of Denver, in the mountains

The FDA has issued a warning to not eat pistachios until it can find out where a strain of salmonella came from exactly. This time they believe it came from pistachios at California-based Setton Farms, the country’s second largest pistachio processor. They have voluntarily issued a recall of about 1 million pounds of pistachios.

The recalled nuts represent a small fraction of the 60 million pounds of pistachios that the company’s plant can process each year and an even smaller portion of the 278 million pounds produced in the state in the 2008 season, according to the Fresno-based Administrative Committee for Pistachios.

California alone is the second-largest producer of pistachios in the world.

The FDA learned about the problem last Tuesday, when Kraft Foods Inc. notified the agency that it had detected salmonella in roasted pistachios through routine product testing. Kraft and the Georgia Nut Co. recalled their Back to Nature Nantucket Blend trail mix the next day.

Source

Until now, the nation’s most serious home price declines have been in low-cost markets that were dominated by subprime mortgages, and in overbuilt markets such as Florida, California, and Las Vegas, where residential values are sliding fast toward pre-housing boom levels.

The Commerce Dept. reported Dec. 23 that November new-home sales in the U.S. fell to their lowest level in 17 years, down 35.3% compared with November 2007. And the outlook is even bleaker. The same day, Credit Suisse (NYSE:CS – News) forecast that more than 8 million homes will go into foreclosure over the next four years, or approximately 16% of all U.S. households with mortgages.

The housing market is expected to continue the fall next year, but hopefully we will see a bottom to housing prices and an increase in lending…hopefully.

Source

Malls across the country are being forced into foreclosure, as well as hotels and other commercial properties.

A problem facing commercial mortgages is that, unlike residential mortgages, they aren’t paid over 30 years, they are paid between 5 and 10 years, with most of the balance due at the end.

One thought was that the $700 billion bailout would go to help financially back some of the risky securities and help out some of these properties, however, treasury secretary Paulson said that the U.S. no longer planned on buying troubled securities. The news wasn’t welcomed by those who were in need of the bailout.

California, New York, Texas and Florida all have a large amount of mortgages in the securities market and will be hit the worst.

I don’t believe that same sex marriage would ruin the sanctity of marriage anymore than divorce. Same sex marriage has no affect on me, but has a direct affect on many of my friends…and I hate to see some of my best friends be discriminated against in this way.

I am personally so excited for America and for the next 4 years.

After the polls closed in California and the West Coast, the election was called a victory for Obama.

Around 10:19 PM Central time John McCain conceded. His speech was gracious, his supporters were not (they were booing at Obama’s name)

Good luck President-elect Obama

Well there’s a glimpse of the future, fuel cell cars for the public. I suppose they aren’t as far in the future as the media makes it sound, as though our only options for the next 10 years will be hybrid cars…or natural gas. I have real problems with cars that run on natural gas. I mean, can’t we find ANYTHING else besides depleting non-renewable sources to power our vehicles?

The bill from the resort had $200,000 in room fees, $150,000 for meals, and $23,000 in spa charges…

What does AIG have to say for themselves?

It’s normal. It’s just a retreat for top independent sales people.

Impressive….really impressive. Remind me when I graduate college to attempt to sell insurance. It sounds like I went into the wrong field.

So there you have it America, your tax dollars hard at work. I wish there was someone I could write a very angry letter to about this because I’m quite angry. If AIG is working to "cut the fat" perhaps they should start with expensive Californian retreats.

With the news on Friday, financial stocks rallied.

Here’s the list (If you’re particularly worried about a couple of stocks, try CTRL+F feature):

AAME….. ATLANTIC AMERICAN CORP

AANB….. ABIGAIL ADAMS NATL BANCORP INC

ABBC….. ABINGTON BANCORP INC PA

ABCB….. AMERIS BANCORP

ABCW…. ANCHOR BANCORP WISCONSIN INC

ABK……. AMBAC FINANCIAL GROUP INC

ABNJ….. AMERICAN BANCORP OF NJ INC

ABVA…. ALLIANCE BANKSHARES CORP

ACAP…. AMERICAN PHYSICIANS CAPITAL INC

ACBA…. AMERICAN COMMUNITY BNCSHRS INC

ACE…… ACE LTD

ACFC…. ATLANTIC COAST FED CORP

ACGL…. ARCH CAPITAL GROUP LTD NEW

ADVNA.. ADVANTA CORP

ADVNB.. ADVANTA CORP

AEG…… AEGON N V

AEL……. AMERICAN EQUITY INVT LIFE HLDG C

AET……. AETNA INC NEW

AF……… ASTORIA FINANCIAL CORP

AFFM….. AFFIRMATIVE INSURANCE HLDGS INC

AFG……. AMERICAN FINANCIAL GROUP INC NEW

AFL……. A F L A C INC

AGII…… ARGO GROUP INTL HLDGS LTD

AGO……. ASSURED GUARANTY LTD

AGP…….. AMERIGROUP CORP

AGX……. ARGAN INC

AHD……. ATLAS PIPELINE HOLDINGS L P

AHL……. ASPEN INSURANCE HOLDINGS LTD

AIB…….. ALLIED IRISH BANKS PLC

AIG…….. AMERICAN INTERNATIONAL GROUP INC

AINV…… APOLLO INVESTMENT CORP

AIZ…….. ASSURANT INC

ALL…….. ALLSTATE CORP

ALLB…… ALLIANCE BANCORP INC PA

ALNC…… ALLIANCE FINANCIAL CORP NY

AMCP….. AMCOMP INC NEW

AMFI…… AMCORE FINANCIAL INC

AMG……. AFFILIATED MANAGERS GROUP INC

AMIC…… AMERICAN INDEPENDENCE CORP

AMNB….. AMERICAN NATIONAL BANKSHARES INC

AMP ……. AMERIPRISE FINANCIAL INC

AMPH…. AMERICAN PHYSICIANS SVC GROUP

AMRB…. AMERICAN RIVER BANKSHARES

AMSF…. AMERISAFE INC

AMTD…. T D AMERITRADE HOLDING CORP

ANAT…. AMERICAN NATIONAL INS CO

ANNB…. ANNAPOLIS BANCORP INC

AOC…… AON CORP

APAB….. APPALACHIAN BANCSHARES INC

AROW…. ARROW FINANCIAL CORP

ASBI….. AMERIANA BANCORP

ASFI….. ASTA FUNDING INC

ASFN…. ATLANTIC SOUTHERN FINL GROUP INC

ASRV…. AMERISERV FINANCIAL INC

ATBC…. ATLANTIC BANCGROUP INC

ATLO…. AMES NATL CORP

AUBN…. AUBURN NATIONAL BANCORP

AWBC… AMERICAN WEST BANCORPORATION

AWH…. ALLIED WORLD ASSUR CO HLDGS LTD

AXA ….A X A UAP

AXG…. ATLAS ACQUISITION HOLDINGS CORP

AXS…. AXIS CAPITAL HOLDINGS LTD

BAC…. BANK OF AMERICA CORP

BANF…. BANCFIRST CORP

BANR…. BANNER CORP

BARI…. BANCORP RHODE ISLAND INC

BAYN…. BAY NATIONAL CORP

BBNK…. BRIDGE CAPITAL HOLDINGS

BBT…. B B & T CORP

BBX…. BANKATLANTIC BANCORP INC

BCA…. CORPBANCA

BCAR…. BANK OF THE CAROLINAS CORP

BCBP…. B C B BANCORP INC

BCP…. BROOKE CAPITAL CORP

BCS…. BARCLAYS PLC

BCSB…. B C S B BANCORP INC

BDGE…. BRIDGE BANCORP INC

BEN…. FRANKLIN RESOURCES INC

BERK…. BERKSHIRE BANCORP INC DEL

BFF…. B F C FINANCIAL CORP

BFIN…. BANKFINACIAL CORP

BFNB…. BEACH FIRST NATL BANCSHARES INC

BHB…. BAR HARBOR BANKSHARES

BHBC…. BEVERLY HILLS BANCORP INC

BHLB…. BERKSHIRE HILLS BANCORP INC

BK…. BANK OF NEW YORK MELLON CORP

BKBK…. BRITTON & KOONTZ CAPITAL CORP

BKMU…. BANK MUTUAL CORP NEW

BKOR…. OAK RIDGE FINANCIAL SERVICES INC

BKSC…. BANK SOUTH CAROLINA CORP

BKUNA…. BANKUNITED FINANCIAL CORP

BLX…. BANCO LATINOAMERICANO DE EXP SA

BMRC…. BANK OF MARIN BANCORP

BMTC…. BRYN MAWR BANK CORP

BNCL…. BENEFICIAL MUTUAL BANCORP INC

BNCN…. B N C BANCORP

BNS…. BANK OF NOVA SCOTIA

BNV…. BEVERLY NATIONAL CORP

BOCH…. BANK OF COMMERCE HOLDINGS

BOFI…. B OF I HOLDING INC

BOFL…. BANK OF FLORIDA CORP NAPLES

BOH…. BANK OF HAWAII CORP

BOKF…. B O K FINANCIAL CORP

BOMK…. BANK MCKENNEY VA

BOVA…. BANK OF VIRGINIA

BPFH…. BOSTON PRIVATE FINL HLDS INC

BPSG…. BROADPOINT SECURITIES GROUP INC

BRK…. BERKSHIRE HATHAWAY INC DEL

BRK…. BERKSHIRE HATHAWAY INC DEL

BRKL…. BROOKLINE BANCORP INC

BSRR…. SIERRA BANCORP

BTFG…. BANCTRUST FINANCIAL GROUP INC

BUSE…. FIRST BUSEY CORP

BWINA…. BALDWIN & LYONS INC

BWINB…. BALDWIN & LYONS INC

BX…. BLACKSTONE GROUP L P

BXS…. BANCORPSOUTH INC

BYFC…. BROADWAY FINANCIAL CORP DEL

C…. CITIGROUP INC

CAC…. CAMDEN NATIONAL CORP

CACB…. CASCADE BANCORP

CADE…. CADENCE FINANCIAL CORP

CAFI…. CAMCO FINANCIAL CORP

CAPB…. CAPITALSOUTH BANCORP

CAPE…. CAPE FEAR BANK CORP

CART…. CAROLINA TRUST BANK

CARV…. CARVER BANCORP INC

CASB…. CASCADE FINANCIAL CORP

CASH…. META FINANCIAL GROUP INC

CATY…. CATHAY GENERAL BANCORP

CB…. CHUBB CORP

CBAN…. COLONY BANKCORP INC

CBBO…. COLUMBIA BANCORP ORE

CBC…. CAPITOL BANCORP LTD

CBIN…. COMMUNITY BANK SHRS INDIANA INC

CBKN…. CAPITAL BANK CORP NEW

CBNK…. CHICOPEE BANCORP INC

CBON…. COMMUNITY BANCORP

CBU…. COMMUNITY BANK SYSTEM INC

CCBD…. COMMUNITY CENTRAL BANK CORP

CCBG…. CAPITAL CITY BANK GROUP

CCBP…. COMM BANCORP INC

CCFH…. C C F HOLDING COMPANY

CCNE…. C N B FINANCIAL CORP PA

CCOW…. CAPITAL CORP OF THE WEST

CEBK…. CENTRAL BANCORP INC

CFBK…. CENTRAL FEDERAL CORP

CFFC…. COMMUNITY FINANCIAL CORP

CFFI…. C & F FINANCIAL CORP

CFFN…. CAPITOL FEDERAL FINANCIAL

CFNL…. CARDINAL FINANCIAL CORP

CFR…. CULLEN FROST BANKERS INC

CHCO…. CITY HOLDING CO

CHEV…. CHEVIOT FINANCIAL CORP

CHFC…. CHEMICAL FINANCIAL CORP

CI…. C I G N A CORP

CIA…. CITIZENS INC

CINF…. CINCINNATI FINANCIAL CORP

CITZ…. C F S BANCORP INC

CIZN…. CITIZENS HOLDING CO

CJBK…. CENTRAL JERSEY BANCORP

CLBH…. CAROLINA BANK HOLDINGS INC

CLFC…. CENTER FINANCIAL CORP

CLMS…. CALAMOS ASSET MANAGEMENT INC

CMA…. COMERICA INC

CME…. C M E GROUP INC

CMFB…. COMMERCEFIRST BANCORP INC

CMGI…. C M G I INC

CMSB…. C M S BANCORP INC

CNA…. C N A FINANCIAL CORP

CNAF…. COMMERCIAL NATIONAL FINL CORP

CNB…. COLONIAL BANCGROUP INC

CNBC…. CENTER BANCORP INC

CNBKA…. CENTURY BANCORP INC

CNC…. CENTENE CORP DEL

CNLA…. COMMUNITY NATL BANK LAKEWAY AREA

CNO…. CONSECO INC

CNS…. COHEN & STEERS INC

COBH…. PENNSYLVANIA COMMERCE BANCORP IN

COBZ…. COBIZ FINANCIAL INC

COLB…. COLUMBIA BANKING SYSTEM INC

COOP…. COOPERATIVE BANCSHARES INC

CORS…. CORUS BANKSHARES INC

COWN…. COWEN GROUP INC

CPBC…. COMMUNITY PARTNERS BANCORP

CPBK…. COMMUNITY CAPITAL CORP

CPF…. CENTRAL PACIFIC FINANCIAL CORP

CPHL…. CASTLEPOINT HOLDINGS LTD

CRBC…. CITIZENS REPUBLIC BANCORP INC

CRFN…. CRESCENT FINANCIAL CORP

CRMH…. C R M HOLDINGS LTD

CRRB…. CARROLLTON BANCORP

CRVL…. CORVEL CORP

CSBC…. CITIZENS SOUTH BANKING CORP DEL

CSBK…. CLIFTON SAVINGS BANCORP INC

CSFL…. CENTERSTATE BANKS OF FLORIDA INC

CSHB…. COMMUNITY SHORES BANK CORP

CSNT…. CRESCENT BANKING CO

CTBC…. CONNECTICUT BANK & TRUST CO

CTBI…. COMMUNITY TRUST BANCORP INC

CTBK…. CITYBANK LYNNWOOD WASHINGTON

CTZN…. CITIZENS FIRST BANCORP INC

CVBF…. C V B FINANCIAL CORP

CVBK…. CENTRAL VIRGINIA BANKSHARES INC

CVCY…. CENTRAL VALLEY COMM BANCORP

CVH…. COVENTRY HEALTH CARE INC

CVLL…. COMMUNITY VALLEY BANCORP

CVLY…. CODORUS VALLEY BANCORP INC

CWBC…. COMMUNITY WEST BANCSHARES

CWBS…. COMMONWEALTH BANKSHARES INC

CWLZ…. COWLITZ BANCORPORATION

CZFC…. CITIZENS FIRST CORP

CZWI…. CITIZENS CMNTY BANCORP INC MD

DB…. DEUTSCHE BANK AG

DCOM…. DIME COMMUNITY BANCSHARES

DEAR…. DEARBORN BANCORP INC

DFG…. DELPHI FINANCIAL GROUP INC

DGICA…. DONEGAL GROUP INC

DGICB…. DONEGAL GROUP INC

DHIL…. DIAMOND HILL INVESTMENT GRP INC

DLLR…. DOLLAR FINANCIAL CORP

DR…. DARWIN PROFESSIONAL UNDERWRITERS

DSL…. DOWNEY FINANCIAL CORP

DUF…. DUFF & PHELPS CORP NEW

EBSB…. MERIDIAN INTERSTATE BANCORP INC

EBTX…. ENCORE BANCSHRES INC

ECBE…. E C B BANCORP INC

EGBN…. EAGLE BANCORP INC

EIHI…. EASTERN INSURANCE HOLDINGS INC

EII…. ENERGY INFRASTRUCTURE ACQUI CORP

EMCI…. E M C INSURANCE GROUP INC

EMITF….. ELBIT IMAGING LTD

ENH…. ENDURANCE SPECIALTY HOLDINGS LTD

ESBF…. E S B FINANCIAL CORP

ESBK…. ELMIRA SAVINGS BANK FSB NY

ESGR…. ENSTAR GROUP LTD

ETFC…. E TRADE FINANCIAL CORP

EV…. EATON VANCE CORP

EVBN…. EVANS BANCORP INC

EVBS…. EASTERN VIRGINIA BANKSHARES INC

EVR…. EVERCORE PARTNERS INC

EWBC…. EAST WEST BANCORP INC

FABK…. FIRST ADVANTAGE BANCORP

FAC…. FIRST ACCEPTANCE CORP

FAF…. FIRST AMERICAN CORP CALIF

FBC…. FLAGSTAR BANCORP INC

FBCM…. F B R CAPITAL MARKETS CORP

FBIZ…. FIRST BUSINESS FINL SVCS INC

FBMI…. FIRSTBANK CORP

FBMS…. FIRST BANCSHARES INC MS

FBNC…. FIRST BANCORP NC

FBP…. FIRST BANCORP P R

FBSI…. FIRST BANCSHARES INC MO

FBSS…. FAUQUIER BANKSHARES INC

FBTC…. FIRST BANCTRUST

FCAL…. FIRST CALIFORNIA FINL GROUP INC

FCAP…. FIRST CAPITAL INC

FCBC…. FIRST COMMUNITY BANCSHARES INC

FCCO…. FIRST COMMUNITY CORP SC

FCCY…. 1ST CONSTITUTION BANCORP

FCFL…. FIRST COMMUNITY BANK CORP AMER

FCNCA…. FIRST CITIZENS BANCSHARES INC NC

FCVA…. FIRST CAPITAL BANCORP INC VA

FCZA…. FIRST CITIZENS BANC CORP

FDEF…. FIRST DEFIANCE FINANCIAL CORP

FDT…. FEDERAL TRUST CORP

FED…. FIRSTFED FINANCIAL CORP

FFBC…. FIRST FINANCIAL BANCORP OHIO

FFBH…. FIRST FEDERAL BANCSHARES ARK INC

FFCH…. FIRST FINANCIAL HOLDINGS INC

FFCO…. FEDFIRST FINANCIAL CORP

FFDF…. F F D FINANCIAL CORP

FFFD…. NORTH CENTRAL BANCSHARES INC

FFG…. F B L FINANCIAL GROUP INC

FFH…. FAIRFAX FINL HOLDINGS LTD

FFHS…. FIRST FRANKLIN CORP

FFIC…. FLUSHING FINANCIAL CORP

FFIN…. FIRST FINANCIAL BANKSHARES INC

FFKT…. FARMERS CAPITAL BANK CORP

FFKY…. FIRST FINANCIAL SERVICE CORP

FFNM…. FIRST FED NORTHN MI BANCORP INC

FFNW…. FIRST FINANCIAL NORTHWEST INC

FFSX…. FIRST FEDERAL BANKSHARES INC DEL

FHN…. FIRST HORIZON NATIONAL CORP

FIFG…. 1ST INDEPENDENCE FNL GROUP INC

FIG…. FORTRESS INVESTMENT GROUP L L C

FII…. FEDERATED INVESTORS INC PA

FISI…. FINANCIAL INSTITUTIONS INC

FKFS…. FIRST KEYSTONE FINANCIAL INC

FLIC…. FIRST LONG ISLAND CORP

FMAR…. FIRST MARINER BANCORP

FMBI…. FIRST MIDWEST BANCORP DE

FMER…. FIRSTMERIT CORP

FMFC…. FIRST M & F CORP

FNB…. F N B CORP PA

FNBN…. F N B UNITED CORP

FNFG…. FIRST NIAGARA FINL GROUP INC NEW

FNLC…. FIRST BANCORP INC ME

FNM…. FEDERAL NATIONAL MORTGAGE ASSN

FNSC…. FIRST NATIONAL BANCSHARES INC SC

FPBI…. F P B BANCORP INC

FPBN…. 1ST PACIFIC BANCORP CA

FPFC…. FIRST PLACE FINANCIAL CORP NM

FPIC…. F P I C INSURANCE GROUP INC

FPTB…. FIRST PACTRUST BANCORP INC

FRBK…. REPUBLIC FIRST BANCORP INC

FRE…. FEDERAL HOME LOAN MORTGAGE CORP

FRGB…. FIRST REGIONAL BANCORP

FRME…. FIRST MERCHANTS CORP

FSBI…. FIDELITY BANCORP INC

FSBK…. FIRST SOUTH BANCORP INC

FSGI…. FIRST SECURITY GROUP INC

FSNM…. FIRST STATE BANCORPORATION

FTBK…. FRONTIER FINANCIAL CORP

FULT…. FULTON FINANCIAL CORP PA

FUNC…. FIRST UNITED CORP

FWV…. FIRST WEST VIRGINIA BANCORP INC

FXCB…. FOX CHASE BANCORP INC

GABC…. GERMAN AMERICAN BANCORP INC

GAN…. GAINSCO INC

GBCI…. GLACIER BANCORP INC NEW

GBH…. GREEN BUILDERS INC

GBL…. GAMCO INVESTORS INC

GBNK…. GUARANTY BANCORP

GBTS…. GATEWAY FINANCIAL HLDGS INC

GCA…. GLOBAL CASH ACCESS HOLDINGS INC

GFED…. GUARANTY FEDERAL BANCSHARES INC

GFIG…. G F I GROUP INC

GFLB…. GREAT FLORIDA BANK

GGAL…. GRUPO FINANCIERO GALICIA S A

GHL…. GREENHILL & CO INC

GIW…. WILBER CORP

GLBZ….. GLEN BURNIE BANCORP

GLRE…. GREENLIGHT CAPITAL RE LTD

GNW…. GENWORTH FINANCIAL INC

GOV…. GOUVERNEUR BANCORP INC

GRAN…. BANK GRANITE CORP

GRNB…. GREEN BANKSHARES INC

GROW…. U S GLOBAL INVESTORS INC

GS…. GOLDMAN SACHS GROUP INC

GSBC…. GREAT SOUTHERN BANCORP INC

GSLA…. G S FINANCIAL CORP

GTS…. TRIPLE S MANAGEMENT CORP

HABC…. HABERSHAM BANCORP INC

HAFC… HANMI FINANCIAL CORP

HALL…. HALLMARK FINANCIAL SERVICES INC

HARL…. HARLEYSVILLE SAVINGS FINAN CORP

HAXS…. HEALTHAXIS INC

HBAN…. HUNTINGTON BANCSHARES INC

HBHC…. HANCOCK HOLDING CO

HBNK…. HAMPDEN BANCORP INC

HBOS…. HERITAGE FINANCIAL GROUP

HCBK…. HUDSON CITY BANCORP INC

HCC…. H C C INSURANCE HOLDINGS INC

HEOP…. HERITAGE OAKS BANCORP

HFBC…. HOPFED BANCORP INC

HFFC…. H F FINANCIAL CORP

HFWA…. HERITAGE FINANCIAL CORP WA

HGIC…. HARLEYSVILLE GROUP INC

HIFS…. HINGHAM INSTITUTION FOR SVGS MA

HMN…. HORACE MANN EDUCATORS CORP NEW

HMNF…. H M N FINANCIAL INC

HMPR…. HAMPTON ROADS BANKSHARES INC

HNBC…. HARLEYSVILLE NATIONAL CORP PA

HNT…. HEALTH NET INC

HOMB…. HOME BANCSHARES INC

HOME…. HOME FEDERAL BANCORP INC MD

HRZB…. HORIZON FINANCIAL CORP WASH

HS…. HEALTHSPRING INC

HTBK…. HERITAGE COMMERCE CORP

HTH…. HILLTOP HOLDINGS INC

HTLF…. HEARTLAND FINANCIAL USA INC

HUM…. HUMANA INC

HWBK…. HAWTHORN BANCSHARES INC

HWFG…. HARRINGTON WEST FINANCIAL GRP IN

IAAC…. INTERNATIONAL ASSETS HLDG CORP

IBCA…. INTERVEST BANCSHARES CORP

IBCP…. INDEPENDENT BANK CORP MICH

IBKC…. IBERIABANK CORP

IBKR…. INTERACTIVE BROKERS GROUP INC

IBNK…. INTEGRA BANK CORP

IBOC… INTERNATIONAL BANCSHARES CORP

ICE…. INTERCONTINENTALEXCHANGE INC

ICH…. INVESTORS CAPITAL HOLDINGS LTD

IFC…. IRWIN FINANCIAL CORP

IFSB…. INDEPENDENCE FEDERAL SAVINGS BK

IHC…. INDEPENDENCE HOLDING CO NEW

IMP…. IMPERIAL CAPITAL BANCORP INC

INCB…. INDIANA COMMUNITY BANCORP

INDB…. INDEPENDENT BANK CORP MA

ING…. I N G GROEP N V

IPCC…. INFINITY PROPERTY & CASUALTY COR

IPCR…. I P C HOLDINGS LTD

IRE…. IRELAND BANK

ITC… I T C HOLDINGS CORP

ITG…. INVESTMENT TECHNOLOGY GP INC NEW

ITIC…. INVESTORS TITLE CO

JAXB…. JACKSONVILLE BANCORP INC FL

JEF…. JEFFERIES GROUP INC NEW

JFBC…. JEFFERSONVILLE BANCORP

JFBI…. JEFFERSON BANCSHARES INC TENN

JLI…. JESUP & LAMONT INC

JMP…. J M P GROUP INC

JNS…. JANUS CAP GROUP INC

JPM…. JPMORGAN CHASE & CO

JXSB…. JACKSONVILLE BANCORP INC

KCLI…. KANSAS CITY LIFE INS CO

KENT…. KENT FINANCIAL SERVICES INC

KEY…. KEYCORP NEW

KFED…. K FED BANCORP

KFFB…. KENTUCKY FIRST FEDERAL BANCORP

KFS…. KINGSWAY FINANCIAL SERVICES INC

KRNY…. KEARNY FINANCIAL CORP

L…. LOEWS CORP

LAB…. LABRANCHE & CO INC

LABC…. LOUISIANA BANCORP INC

LARK…. LANDMARK BANCORP INC

LAZ…. LAZARD LTD

LBBB…. LIBERTY BELL BK CHERRY HILL NJ

LBCP…. LIBERTY BANCORP INC MO

LEGC…. LEGACY BANCORP INC

LEH…. LEHMAN BROTHERS HOLDINGS INC

LFC…. CHINA LIFE INSURANCE CO LTD

LION…. FIDELITY SOUTHERN CORP NEW

LKFN…. LAKELAND FINANCIAL CORP

LNC…. LINCOLN NATIONAL CORP IN

LNCB…. LINCOLN BANCORP IND

LPSB…. LAPORTE BANCORP INC

LSBI…. L S B FINANCIAL CORP

LSBK…. LAKE SHORE BANCORP INC

LSBX…. L S B CORP

LTS…. LADENBURG THALMANN FIN SVCS INC

LUK…. LEUCADIA NATIONAL CORP

LYG…. LLOYDS TSB GROUP PLC

MAIN…. MAIN STREET CAPITAL CORP

MASB…. MASSBANK CORP

MBFI…. M B FINANCIAL INC NEW

MBHI…. MIDWEST BANC HOLDINGS INC

MBI…. MBIA INC

MBP…. MID PENN BANCORP INC

MBR…. MERCANTILE BANCORP INC

MBRG…. MIDDLEBURG FINANCIAL CORP

MBTF…. M B T FINANCIAL CORP

MBVA…. MILLENNIUM BANKSHARES CORP

MBVT…. MERCHANTS BANCSHARES INC

MBWM…. MERCANTILE BANK CORP

MCBF…. MONARCH COMMUNITY BANCORP INC

MCBI…. METROCORP BANCSHARES INC

MCGC…. M C G CAPITAL CORP

MCY…. MERCURY GENERAL CORP NEW

MER….. MERRILL LYNCH & CO INC

MERR…. MERRIMAN CURHAN FORD GROUP INC

MF…. M F GLOBAL LTD

MFC…. MANULIFE FINANCIAL CORP

MFLR…. MAYFLOWER BANCORP INC

MFNC…. MACKINAC FINANCIAL CORP

MFSF…. MUTUALFIRST FINL INC

MGYR…. MAGYAR BANCORP INC

MHLD…. MAIDEN HOLDNGS LTD

MI…. MARSHALL & ILSLEY CORP NEW

MIG…. MEADOWBROOK INSURANCE GROUP INC

MIGP…. MERCER INSURANCE GROUP INC

MKL…. MARKEL CORP

MKTX…. MARKETAXESS HLDGS INC

MNRK…. MONARCH FINANCIAL HOLDINGS INC

MOFG…. MIDWESTONE FINANCIAL GRP INC NEW

MOH…. MOLINA HEALTHCARE INC

MORN…. MORNINGSTAR INC

MRH…. MONTPELIER RES HOLDINGS LTD

MROE…. MONROE BANCORP

MS…. MORGAN STANLEY DEAN WITTER & CO

MSBF…. M S B FINANCIAL CORP

MSFG…. MAINSOURCE FINANCIAL GROUP INC

MSL…. MIDSOUTH BANCORP INC

MTG…. M G I C INVESTMENT CORP WIS

MTU…. MITSUBISHI UFJ FINANCIAL GP INC

MXGL…. MAX CAPITAL GROUP LTD

NAHC…. NATIONAL ATLANTIC HOLDINGS CORP

NAL…. NEWALLIANCE BANCSHARES INC

NARA…. NARA BANCORP INC

NATL…. NATIONAL INTERSTATE CORP

NAVG…. NAVIGATORS GROUP INC

NBBC…. NEWBRIDGE BANCORP

NBN…. NORTHEAST BANCORP

NBTB…. N B T BANCORP INC

NBTF….. N B & T FINANCIAL GROUP INC

NCBC…. NEW CENTURY BANCORP INC NC

NCC…. NATIONAL CITY CORP

NDAQ…. NASDAQ O M X GROUP INC

NEBS…. NEW ENGLAND BANCSHARES INC

NECB…. NORTHEAST COMMUNITY BANCORP INC

NEWT….. NEWTEK BUSINESS SVCS INC

NFBK….. NORTHFIELD BANCORP INC

NFS…. NATIONWIDE FINANCIAL SERVICES IN

NFSB…. NEWPORT BANCORP INC

NHTB…. NEW HAMPSHIRE THRIFT BNCSHRS INC

NICK…. NICHOLAS FINANCIAL INC

NITE…. KNIGHT CAPITAL GROUP INC

NKSH…. NATIONAL BANKSHARES INC

NMR…. NOMURA HOLDINGS INC

NMX…. NYMEX HOLDINGS INC

NOVB…. NORTH VALLEY BANCORP

NPBC…. NATIONAL PENN BANCSHARES INC

NRIM…. NORTHRIM BANCORP INC

NSEC…. NATIONAL SECURITY GROUP INC

NSFC…. NORTHERN STATES FINANCIAL CORP

NSH…. NUSTAR G P HOLDINGS LLC

NTQ…. N T R ACQUISITION CO

NTRS…. NORTHERN TRUST CORP

NVSL…. NAUGATUCK VLY FINANCIAL CORP

NWFL…. NORWOOD FINANCIAL CORP

NWLIA…. NATIONAL WESTERN LIFE INS CO

NWSB…. NORTHWEST BANCORP INC PA

NXTY….. NEXITY FINANCIAL CORP

NYB…. NEW YORK COMMUNITY BANCORP INC

NYM…. N Y M A G I C INC

NYX…. N Y S E EURONEXT

OCFC…. OCEANFIRST FINANCIAL CORP

OFG…. ORIENTAL FINANCIAL GROUP INC

OKSB…. SOUTHWEST BANCORP INC OKLA

OLBK…. OLD LINE BANCSHARES

OLCB…. OHIO LEGACY CORP

ONB…. OLD NATIONAL BANCORP

ONFC…. ONEIDA FINANCIAL CORP

OPHC…. OPTIMUMBANK HOLDINGS INC

OPOF…. OLD POINT FINL CORP

OPY…. OPPENHEIMER HOLDINGS INC

ORH…. ODYSSEY RE HOLDINGS CORP

ORI…. OLD REPUBLIC INTERNATIONAL CORP

ORIT…. ORITANI FINANCIAL CORP

OSBC…. OLD SECOND BANCORP INC

OSBK…. OSAGE BANCSHARES INC

OSHC…. OCEAN SHORE HOLDING CO

OVBC…. OHIO VALLEY BANC CORP

OXPS…. OPTIONSXPRESS HOLDINGS INC

OZM…. OCH ZIFF CAPITAL MANGMNT GRP LLC

OZRK…. BANK OF THE OZARKS INC

PABK…. P A B BANKSHARES INC

PACW…. PACWEST BANCORP DE

PBCI…. PAMRAPO BANCORP INC

PBCT…. PEOPLES UNITED FINANCIAL INC

PBHC…. PATHFINDER BANCORP INC

PBIB…. PORTER BANCORP INC

PBIP…. PRUDENTIAL BANCORP INC PA

PBKS…. PROVIDENT BANKSHARES CORP

PBNY…. PROVIDENT NEW YORK BANCORP

PCBC…. PACIFIC CAPITAL BANCORP NEW

PCBI…. PEOPLES COMMUNITY BANCORP INC

PCBK…. PACIFIC CONTINENTAL CORP

PCBS…. PROVIDENT COMMUNITY BANCSHRS INC

PEBK…. PEOPLES BANCORP NC INC

PEBO…. PEOPLES BANCORP INC

PFBC…. PREFERRED BANK LOS ANGELES

PFBI…. PREMIER FINANCIAL BANCORP INC

PFBX…. PEOPLES FINANCIAL CORP

PFED…. PARK BANCORP INC

PFG…. PRINCIPAL FINANCIAL GROUP INC

PFS…. PROVIDENT FINANCIAL SVCS INC

PGR…. PROGRESSIVE CORP OH

PHLY…. PHILADELPHIA CONSOLIDATED HLG CO

PICO….. P I C O HOLDINGS INC

PJC…. PIPER JAFFRAY COMPANIES

PKBK…. PARKE BANCORP INC

PL…. PROTECTIVE LIFE CORP

PLCC…. PAULSON CAPITAL CORP

PLFE…. PRESIDENTIAL LIFE CORP

PMACA…. P M A CAPITAL CORP

PMBC…. PACIFIC MERCANTILE BANCORP

PMI…. P M I GROUP INC

PNBC…. PRINCETON NATIONAL BANCORP INC

PNBK…. PATRIOT NATIONAL BANCORP INC

PNC…. P N C FINANCIAL SERVICES GRP INC

PNFP…. PINNACLE FINANCIAL PARTNERS INC

PNSN…. PENSON WORLDWIDE INC

PNX…. PHOENIX COS INC

PPBI…. PACIFIC PREMIER BANCORP INC

PRA…. PROASSURANCE CORP

PRE…. PARTNERRE LTD

PRK…. PARK NATIONAL CORP

PROS…. PROCENTURY CORP

PROV…. PROVIDENT FINANCIAL HOLDINGS INC

PRSP…. PROSPERITY BANCSHARES INC

PRU…. PRUDENTIAL FINANCIAL INC

PRWT…. PREMIERWEST BANCORP

PSBC…. PACIFIC STATE BANCORP

PSBH…. PSB HOLDINGS INC

PSEC…. PROSPECT CAPITAL CORP

PTA…. PENN TREATY AMERICAN CORP

PTP…. PLATINUM UNDERWRITERS HLDGS LTD

PUK…. PRUDENTIAL PLC

PULB…. PULASKI FINANCIAL CORP

PVFC…. P V F CAPITAL CORP

PVSA…. PARKVALE FINANCIAL CORP

PVTB…. PRIVATEBANCORP INC

PWOD…. PENNS WOODS BANCORP INC

PZN…. PZENA INVESTMENT MANAGEMENT INC

QCRH…. Q C R HOLDINGS INC

QNTA…. QUANTA CAPITAL HOLDINGS LTD

RAMR…. R A M HOLDINGS LTD

RBCAA…. REPUBLIC BANCORP INC KY

RBNF….. RUBAN FINANCIAL CORP

RBPAA…. ROYAL BANCSHARES PA INC

RBS…. ROYAL BANK SCOTLAND GROUP PLC

RCBK…. RIVER CITY BANK

RCKB…. ROCKVILLE FINANCIAL INC

RDN…. RADIAN GROUP INC

RE…. EVEREST RE GROUP LTD

RF…. REGIONS FINANCIAL CORP NEW

RGA…. REINSURANCE GROUP OF AMERICA INC

RIVR…. RIVER VALLEY BANCORP

RJF…. RAYMOND JAMES FINANCIAL INC

RKH…. REGIONAL BANK HOLDRS TRUST

RLI…. R L I CORP

RNR…. RENAISSANCERE HOLDINGS LTD

RNST…. RENASANT CORP

RODM…. RODMAN & RENSHAW CAP GRP INC NEW

ROMA….. ROMA FINANCIAL CORP

ROME…. ROME BANCORP INC

RPFG….. RAINIER PACIFIC FINL GROUP INC

RVSB….. RIVERVIEW BANCORP INC

RY…. ROYAL BANK CANADA MONTREAL QUE

SAF…. SAFECO CORP

SAFT…. SAFETY INSURANCE GROUP INC

SAL …. SALISBURY BANCORP INC

SAMB…. SUN AMERICAN BANCORP

SASR…. SANDY SPRING BANCORP INC

SAVB…. SAVANNAH BANCORP INC

SBBX…. SUSSEX BANCORP

SBCF…. SEACOAST BANKING CORP FLA

SBIB…. STERLING BANCSHARES INC

SBKC…. SECURITY BANK CORP

SBNY…. SIGNATURE BANK NEW YORK N Y

SBP…. SANTANDER BANCORP

SBSI…. SOUTHSIDE BANCSHARES INC

SCA…. SECURITY CAPITAL ASSURANCE LTD

SCB…. COMMUNITY BANKSHARES INC S C

SCBT…. S C B T FINANCIAL CORP

SCHW…. SCHWAB CHARLES CORP NEW

SCMF…. SOUTHERN COMMUNITY FINCL CORP

SEAB….. SEABRIGHT INSURANCE HOLDINGS INC

SF…. STIFEL FINANCIAL CORP

SFG…. STANCORP FINANCIAL GROUP INC

SFNC…. SIMMONS 1ST NATIONAL CORP

SFST…. SOUTHERN FIRST BANCSHARES INC

SGB…. SOUTHWEST GEORGIA FINANCIAL CORP

SHG…. SHINHAN FINANCIAL GROUP CO LTD

SIEB…. SIEBERT FINANCIAL CORP

SIFI…. SI FINANCIAL GROUP INC

SIGI…. SELECTIVE INSURANCE GROUP INC

SIVB…. S V B FINANCIAL GROUP

SLF…. SUN LIFE FINANCIAL INC

SLM…. S L M CORP

SMBC…. SOUTHERN MISSOURI BANCORP INC

SMCG….. MILLENNIUM INDIA ACQUISIT CO INC

SMHG…. SANDERS MORRIS HARRIS GROUP INC

SMMF…. SUMMIT FINANCIAL GROUP INC

SMTB…. SMITHTOWN BANCORP INC

SNBC…. SUN BANCORP INC

SNV…. SYNOVUS FINANCIAL CORP

SOCB…. SOUTHCOAST FINANCIAL CORP

SOMH…. SOMERSET HILLS BANCORP

SONA…. SOUTHERN NATIONAL BANCORP VA INC

SOV…. SOVEREIGN BANCORP INC

SRCE…. 1ST SOURCE CORP

SSBI SUMMIT STATE BANK

SSBX…. SILVER STATE BANCORP

SSFN…. STEWARDSHIP FINANCIAL CORP

STBA…. S & T BANCORP INC

STBC…. STATE BANCORP INC NY

STBK…. STERLING BANKS INC

STEL…. STELLARONE CORP

STFC…. STATE AUTO FINANCIAL CORP

STI…. SUNTRUST BANKS INC

STL…. STERLING BANCORP

STSA…. STERLING FINANCIAL CORP WASH

STT…. STATE STREET CORP

STU…. STUDENT LOAN CORP

SUAI…. SPECIALTY UNDERWRITERS ALL INC

SUBK…. SUFFOLK BANCORP

SUFB…. SUFFOLK FIRST BANK VA

SUPR…. SUPERIOR BANCORP

SUR…. C N A SURETY CORP

SUSQ…. SUSQUEHANNA BANCSHARES INC PA

SVBI…. SEVERN BANCORP INC MD

SWS…. S W S GROUP INC

SYBT…. S Y BANCORP INC

TAMB…. TAMALPAIS BANCORP

TAQ…. TRANSFORMA ACQUISITION GROUP INC

TAYC…. TAYLOR CAPITAL GROUP INC

TBBK…. BANCORP INC

TBHS…. BANK HOLDINGS THE

TCB…. T C F FINANCIAL CORP

TCBI…. TEXAS CAPITAL BANCSHARES INC

TCBK…. TRICO BANCSHARES

TCHC…. 21ST CENTURY HOLDING CO

TDBK…. TIDELANDS BANCSHARES INC

TFIN…. TEAM FINANCIAL INC

TFSL…. TFS FINANCIAL CORP

TGIC…. TRIAD GUARANTY INC

THFF…. FIRST FINANCIAL CORP IN

THG…. HANOVER INSURANCE GROUP INC

THRD…. T F FINANCIAL CORP

TIBB…. T I B FINANCIAL CORP

TIL…. TRANS INDIA ACQUISITION CORP

TMCV…. TEMECULA VALLEY BANCORP INC

TMK…. TORCHMARK CORP

TMP…. TOMPKINS FINANCIAL CORP

TNCC…. TENNESSEE COMMERCE BANCORP INC

TOFC…. TOWER FINANCIAL CORP

TONE…. TIERONE CORP

TOWN…. TOWNEBANK

TRH…. TRANSATLANTIC HOLDINGS INC

TROW…. T ROWE PRICE GROUP INC

TRST…. TRUSTCO BANK CORP NY

TRUE…. CENTRUE FINANCIAL CORP NEW

TRV…. TRAVELERS COMPANIES INC

TSBK…. TIMBERLAND BANCORP INC

TSFG…. SOUTH FINL GROUP INC

TSH…. TECHE HOLDING CO

TWGP…. TOWER GROUP INC

TWPG…. THOMAS WEISEL PARTNERS GROUP INC

UAM…. UNIVERSAL AMERICAN CORP

UB…. UNIONBANCAL CORP

UBCP…. UNITED BANCORP INC

UBFO…. UNITED SECURITY BANKSHARES

UBNK…. UNITED FINANCIAL BANCORP INC MD

UBOH…. UNITED BANCSHARES INC

UBS…. U B S AG

UBSH…. UNION BANKSHARES CORP

UBSI…. UNITED BANKSHARES INC

UCBA…. UNITED COMMUNITY BANCORP

UCBH…. U C B H HOLDINGS INC

UCBI…. UNITED COMMUNITY BANKS INC GA

UCFC…. UNITED COMMUNITY FINL CORP OHIO

UFCS…. UNITED FIRE & CAS CO

UMBF…. U M B FINANCIAL CORP

UMPQ…. UMPQUA HOLDINGS CORP

UNAM…. UNICO AMERICAN CORP

UNB…. UNION BANKSHARES INC

UNH…. UNITEDHEALTH GROUP INC

UNIB… UNIVERSITY BANCORP INC

UNM…. UNUM GROUP

UNTY…. UNITY BANCORP INC

USB…. U S BANCORP DEL

USBI…. UNITED SECURITY BANCSHARES INC

UTR…. UNITRIN INC

UVSP…. UNIVEST CORP OF PENNSYLVANIA

UWBK…. UNITED WESTERN BANCORP INC

VBFC…. VILLAGE BANK AND TRUST FINL CORP

VCBI…. VIRGINIA COMMERCE BANCORP

VIST…. V I S T FINACIAL CORP

VLY…. VALLEY NATIONAL BANCORP

VNBC…. VINEYARD NATIONAL BANCORP

VPFG…. VIEWPOINT FINANCIAL GROUP

VR…. VALIDUS HOLDINGS LTD

VSBN…. V S B BANCORP INC NY

VYFC…. VALLEY FINANCIAL CORP VA

WABC…. WESTAMERICA BANCORPORATION

WAIN…. WAINWRIGHT BANK & TRUST CO BOSTN

WAL…. WESTERN ALLIANCE BANCORPORATION

WASH…. WASHINGTON TRUST BANCORP INC

WAUW…. WAUWATOSA HOLDINGS INC

WAYN…. WAYNE SAVINGS BANCSHARES INC NEW

WB…. WACHOVIA CORP 2ND NEW

WBCO…. WASHINGTON BANKING COMPANY

WBNK…. WACCAMAW BANKSHARES INC

WBS…. WEBSTER FINL CORP WATERBURY CONN

WCBO…. WEST COAST BANCORP ORE NEW

WCG…. WELLCARE HEALTH PLANS INC

WDR…. WADDELL & REED FINANCIAL INC

WFBC…. WILLOW FINANCIAL BANCORP INC

WFC…. WELLS FARGO & CO NEW

WFD…. WESTFIELD FINANCIAL INC

WFSL…. WASHINGTON FEDERAL INC

WGNB…. W G N B CORP

WHG…. WESTWOOD HOLDINGS GROUP INC

WHI…. W HOLDING CO INC

WIBC…. WILSHIRE BANCORP INC

WL…. WILMINGTON TRUST CORP

WLP…. WELLPOINT INC

WM…. WASHINGTON MUTUAL INC

WPL…. STEWART W P & CO LTD

WRB…. BERKLEY W R CORP

WSB…. W S B HOLDINGS INC

WSBC…. WESBANCO INC

WSFG…. W S B FINANCIAL GROUP

WSFS…. WSFS FINANCIAL CORP

WTBA…. WEST BANCORPORATION INC

WTFC…. WINTRUST FINANCIAL CORPORATION

WTM…. WHITE MOUNTAINS INS GROUP INC

WTNY…. WHITNEY HOLDING CORP

WVFC…. WVS FINANCIAL CORP

XL…. X L CAPITAL LTD

Y…. ALLEGHANY CORP DE

YAVY….. YADKIN VALLEY FINANCIAL CORP

ZION…. ZIONS BANCORP

ZNT…. ZENITH NATIONAL INSURANCE CORP