Financial Services >> Sector Roundtables >> April 20, 1998

Roundtable Forum: Regional Banks / Western

CHARLOTTE APPEL CHAMBERLAIN is a Vice President at Jefferies & Company, Inc. where she covers financial services companies -- primarily thrifts, regional banks and mortgage bankers. Prior to joining Jefferies, Dr. Chamberlain was associated with Wedbush Morgan, NewAmerica Savings, Glendale Federal Bank and Federal Home Loan Bank Board. She earned her Bachelor's degree from the University of Connecticut and her M.A. and Ph.D. in Economics from Cornell University. Dr. Chamberlain is a member of the Board of Trustees for the Los Angeles Society of Financial Analysts, the National Association of Business Economists and a former board member of the Fellows of Contemporary Art. JOSEPH K. MORFORD III joined BT Alex. Brown in January 1995 and is responsible for coverage of regional and community banks primarily located in the western U.S. Prior to joining BT Alex. Brown, he was a regional Bank Analyst at Keefe, Bruyette & Woods Inc., an institutional brokerage firm specializing in the banking industry. Previously, Mr. Morford had spent time both as a stockbroker and as a financial manager for an independent oil company. He received an M.A. with honors from the University of St. Andrews in Scotland. His personal interests include travel, fly fishing, skiing and bodysurfing. Profile
TWST: Charlotte, does the label "regional bank" continue to have meaning

in your grouping of financial institutions?

Ms. Chamberlain: I think it continues to have meaning, but generally