James Abbott

JAMES ABBOTT joined Friedman, Billings, Ramsey & Co., Inc., in February
2001, as an Associate Analyst in the community banks and thrifts equity
research group. Prior to joining FBR & Co., Mr. Abbott worked at SNL
Securities as a senior bank and thrift research analyst, beginning in
July 1998. Prior to his experience at SNL Securities, he worked in
retail trading at Fidelity Investments, beginning in June 1996. Mr.
Abbott received his BS in Finance from the University of Utah.