David J. Konrad

DAVID J. KONRAD is a Vice President at Keefe, Bruyette & Woods, Inc.,
responsible for research coverage of banks and thrifts in the Midwestern
United States. Prior to joining KBW in July 2002, Mr. Konrad spent 10
years in Harris Bank’s Corporate and Investment Banking Division,
serving as a Vice President and Senior Relationship Banker covering
Midwest financial institutions. In addition, Mr. Konrad also served as
a Relationship Banker in the Asset Based Lending Division of LaSalle
National Bank of Chicago. Mr. Konrad graduated from Northern Illinois
University and earned his MBA from Loyola University of Chicago.

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March 15, 2004