Financial Services >> Analyst Interviews >> May 16, 2005

SMALL CAP MIDWEST BANKS & THRIFTS: BRAD NESS – FRIEDMAN, BILLINGS, RAMSEY GROUP INC

TWST: Brad, what are you covering in the way of banks in the Midwest?

Mr. Ness: I cover a combination of banks and thrifts ' micro, small and

mid-caps.

TWST: What has gone on with these