Collyn Bement Gilbert

COLLYN BEMENT GILBERT, Senior Vice President of Ryan Beck & Co. LLC, has
been following the small and mid-cap bank and thrift sector on both the
buy and sell side for over nine years. Before joining Ryan Beck & Co. in
April 2002, she was a Senior Equity Analyst with Ferris, Baker Watts in
Baltimore. Prior to Ferris, she was an analyst with Hovde Financial, a
Washington, DC-based boutique investment banking firm. She is Series 7
licensed, received a BA in Economics from Bucknell University and is a
current member of Bucknell University’s Alumni Board.