Donald A. Worthington

Donald A. Worthington is First Vice President, Research covering banks in
California and the Pacific Northwest for Howe Barnes Hoefer & Arnett. Mr.
Worthington joined Hoefer & Arnett in 2002 as a research analyst with the
primary responsibilities of covering commercial banks and thrift institutions
based in California. He has over 35 years of management and analytical
experience in the financial services industry, including 26 years with the
Federal Home Loan Bank of San Francisco where he last served as Vice President,
Credit. He received a Bachelor of Science degree in Finance from San Jose State
University and an MBA degree in Finance from Golden Gate University. Based in
San Francisco, he was selected by The Wall Street Journal as the number one bank
analyst in the country for 2004.