DAVID J. HONOLD JR., CFA, is Vice President of Southeastern Bank
Research at Keefe, Bruyette & Woods. Prior to joining Keefe, Bruyette &
Woods in 2002, Mr. Honold was an Associate Equity Analyst with UBS
Warburg LLC. From 1998 to 2000, he served as a Financial Analyst for the
Federal Reserve Bank of New York. Mr. Honold received his BA in English
from the College of the Holy Cross in Worcester, Massachusetts in 1998.
ROUNDTABLE FORUM: SOUTHERN & SOUTHEASTERN BANKS
August 16, 2004