Andrew W. Stapp

ANDREW W. STAPP is a Vice President in the Research Department at Cohen
Brothers & Company. He brings over 20 years of experience in providing
merger and acquisition and other financial advisory services to
financial institutions, primarily in the mid-Atlantic region. Mr. Stapp
is a Certified Management Accountant and holds a BS and MBA in Finance
from The University of Tennessee, where he was elected to Beta Gamma
Sigma in recognition of his academic accomplishments. He is the author
of several articles concerning merger and acquisition and valuation
issues and has been quoted in various publications on a variety of
banking issues.