WILLIAM McCRYSTAL, Managing Director, joined MB&R in 2000 from MBIA
Insurance Corporation, where he was responsible for credit analysis and
underwritings of financial institution risk. After his eight-year
career as a bank examiner for the Federal Reserve Bank of New York, Mr.
McCrystal worked as an equity analyst at Ryan, Beck & Co. and a bank
analyst for Thomson BankWatch. He received his BS degree from
ROUNDTABLE FORUM: NORTHEAST & MID-ATLANTIC BANKS
November 22, 2004