Lloyd T. O'Carroll

LLOYD T. O’CARROLL, First Vice President of BB&T Capital Markets, joined
the company in August 1997 as Chief Economist and Equity Research
Analyst, covering aluminum and other metal producer stocks, plus metals
processors and service centers. Mr. O’Carroll is the author of The
O’Carroll Aluminum Bulletin. His prior experience includes 19 years at
Reynolds Metals Company, where he served as corporate economist and
author of Economic Comments. Mr. O’Carroll holds a BA and Master’s
degree in Economics from North Carolina State University. He attained
his CFA designation in 1996.