Fred A. Cummings

FRED A. CUMMINGS is a Managing Director, Equity Research Analyst, with
KeyBanc Capital Markets, a division of McDonald Investments Inc. He is
responsible for all aspects of research of regional banks and thrifts.
Mr. Cummings joined the company in 1989 as a junior analyst, and
subsequently held the titles of Associate Vice President, Vice
President, First Vice President and Senior Vice President. He graduated
with honors from Oberlin College in Ohio, where he earned a Bachelor of
Arts degree in economics. Mr. Cummings is a member of the Cleveland
Society of Security Analysts, as well as the Bank and Financial Analysts
Association. He serves as a board member for the Western Reserve Academy
(assistant treasurer), Inroads Northeast Ohio Alumni Association and The
Ohio Foundation of Independent Colleges. He was named a 1998 All-Star
Analyst by The Wall Street Journal and one of 30 young leaders of the
future by EBONY Magazine.