Clifford H. Gallant

CLIFFORD H. GALLANT is a Vice President at Keefe, Bruyette & Woods,
Inc., a New York-based investment banking and brokerage firm that
specializes in banking, financial institutions, and insurance. He is
responsible for research coverage of property and casualty insurers.
Prior to joining KBW in September 2000, Mr. Gallant was a Vice President
at Conning & Company where he was also a property and casualty insurance
Analyst. Mr. Gallant also served two years working for the International
Department of the Aomori prefectural government in Japan. Mr. Gallant
received his BA from Amherst College in 1993 and was certified as a
Chartered Financial Analyst in 1999.