<SUBMISSION>
<ACCESSION-NUMBER>0000720672-09-000045
<TYPE>10-Q
<PUBLIC-DOCUMENT-COUNT>4
<PERIOD>20090331
<FILING-DATE>20090511
<DATE-OF-FILING-DATE-CHANGE>20090511
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>STIFEL FINANCIAL CORP
<CIK>0000720672
<ASSIGNED-SIC>6211
<IRS-NUMBER>431273600
<STATE-OF-INCORPORATION>DE
<FISCAL-YEAR-END>1231
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>10-Q
<ACT>34
<FILE-NUMBER>001-09305
<FILM-NUMBER>09815666
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>ATTN: JAMES G. LASCHOBER
<STREET2>501 N. BROADWAY
<CITY>ST. LOUIS
<STATE>MO
<ZIP>63102-2102
<PHONE>314-342-2000
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>ATTN: JAMES G. LASCHOBER
<STREET2>501 N. BROADWAY
<CITY>ST. LOUIS
<STATE>MO
<ZIP>63102-2102
</MAIL-ADDRESS>
</FILER>
<DOCUMENT>
<TYPE>10-Q
<SEQUENCE>1
<FILENAME>r10q1stqtr2009.htm
<DESCRIPTION>FORM 10-Q
<TEXT>
<html>

<head>
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<!-- All rights reserved EDGAR2.com -->



<title>SECURITIES AND EXCHANGE COMMISSION</title>



</head>

<body lang=EN-US link=blue vlink=purple>



<p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>

<p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>









<p class=MsoNormal align=center style='text-align:center'><b><font size="5">UNITED STATES
SECURITIES AND EXCHANGE COMMISSION<br>
</font><font size="4">Washington</font></b><font size="4"><b>, D.C.</b></font><b><font size="4">&nbsp; 20549</font><br>
</b>_________________________</p>



<p class=MsoNormal align=center style='text-align:center'><b><font size="6">FORM 10-Q</font></b></p>





<div align="left">





<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=642
 style='width:481.5pt;border-collapse:collapse'>
 <tr style='height:.1in'>
  <td width=36 valign=top style='border-style:none; border-width:medium; width:27.0pt;padding:0in;
  height:.1in'>

  </td>
  <td width=606 valign=top style='border-style:none; border-width:medium; width:454.5pt;padding:0in;
  height:.1in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr style='height:17.55pt'>
  <td width=36 valign=top style='border-style:none; border-width:medium; width:27.0pt;padding:0in;
  height:17.55pt'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-19.8pt' align="center">
	[x]</p>
  </td>
  <td width=606 valign=top style='border-style:none; border-width:medium; width:454.5pt;padding:0in;
  height:17.55pt'>
  <p class=MsoNormal><b>Quarterly
  report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</b></p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.75in;margin-bottom:.0001pt;'><b>For the quarterly period ended March 31, 2009</b></p>

<p class=MsoNormal align=center style='margin-top:6.0pt;text-align:center'><b>OR</b></p>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=642
 style='width:481.5pt;border-collapse:collapse'>
 <tr style='height:.1in'>
  <td width=36 valign=top style='width:27.0pt;padding:0in 0in 0in 0in;
  height:.1in'>

  </td>
  <td width=606 valign=top style='width:454.5pt;padding:0in 0in 0in 0in;
  height:.1in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr style='height:13.95pt'>
  <td width=36 valign=top style='width:27.0pt;padding:0in 0in 0in 0in;
  height:13.95pt'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-19.8pt' align="center">
	[ ]</p>
  </td>
  <td width=606 valign=top style='width:454.5pt;padding:0in 0in 0in 0in;
  height:13.95pt'>
  <p class=MsoNormal><b>Transition
  report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</b></p>
  </td>
 </tr>
</table>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.75in;margin-bottom:.0001pt'><b>For the transition period from <u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</u>to <u>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</u></b></p>

<p class=MsoNormal align=center style='margin-top:6.0pt;text-align:center'><b>Commission
File Number: 1-9305<br>
</b>_________________________</p>

<p class=MsoNormal align=center style='margin-top:6.0pt;text-align:center'><b>&nbsp;</b></p>

<p class=MsoNormal align=center style='margin-top:6.0pt;text-align:center'><b>
<font size="6">STIFEL
FINANCIAL CORP.</font></b></p>

<p class=MsoNormal align=center style='text-align:center'>(Exact name
of registrant as specified in its charter)</p>

<div align=center>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=660
 style='width:495.0pt;border-collapse:collapse'>
 <tr>
  <td width=335 valign=top style='width:251.1pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Delaware</b></p>
  </td>
  <td width=325 valign=top style='width:243.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>43-1273600</b></p>
  </td>
 </tr>
 <tr>
  <td width=335 valign=top style='width:251.1pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>(State or other
  jurisdiction of</p>
  </td>
  <td width=325 valign=top style='width:243.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>(I.R.S. Employer</p>
  </td>
 </tr>
 <tr>
  <td width=335 valign=top style='width:251.1pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>incorporation or
  organization)</p>
  </td>
  <td width=325 valign=top style='width:243.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>Identification No.)</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal align=center style='margin-top:6.0pt;text-align:center'><b>501 N.
Broadway, St. Louis, Missouri&nbsp; 63102-2188<br>
</b>&nbsp;(Address of
principal executive offices and zip code)</p>



<p class=MsoNormal align=center style='margin-top:6.0pt;text-align:center'><b>(314)
342-2000<br>
</b>&nbsp;(Registrant's
telephone number, including area code)<br>
_________________________</p>



<p class=MsoBodyText style='margin-top:6.0pt;text-indent:.25in'>Indicate by check mark whether the registrant (1) has
filed all reports required to be filed by Section 13 or 15(d) of the Securities
Exchange Act of 1934 (&quot;the Exchange Act&quot;) during the preceding 12 months (or
for such shorter period that the registrant was required to file such reports),
and (2) has been subject to such filing requirements for the past 90 days. Yes [x]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No
[ ]</p>

<p class=MsoBodyText style='margin-top:6.0pt;text-indent:.25in'>Indicate by check mark whether the registrant has
submitted electronically and posted on its corporate Web site, if any, every Interactive
Data File required to be submitted and posted pursuant to Rule 405 of
Regulation S-T during the preceding 12 months (or for such shorter period that
the registrant was required to submit and post such files). Yes <a name="OLE_LINK13">[ ]</a>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; No
[ ]</p>

<p class=MsoBodyText style='margin-top:6.0pt;text-indent:.25in'>Indicate by check mark whether the registrant is a
large accelerated filer, an accelerated filer, a non-accelerated filer, or a
smaller reporting company (as defined in Rule 12b-2 of the Exchange Act (Check
one):</p>

<p class=MsoBodyText style='margin-top:6.0pt'>Large
accelerated filer [x]&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accelerated filer [ ] &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-accelerated filer [ ] (Do not check if smaller reporting company)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Smaller reporting company [ ]</p>

<p class=MsoBodyText style='margin-top:6.0pt;text-indent:.25in'>Indicate by check mark whether the registrant is a
shell company (as defined in Rule 12b-2 of the Exchange Act). Yes [ ]&nbsp;&nbsp;&nbsp; No [x]</p>

<p class=MsoBodyText style='margin-top:6.0pt;text-indent:.25in'>The number of shares outstanding of the registrant's
common stock as of April 30, 2009 was 27,380,219.</p>

<p class=MsoFooter align=center style='text-align:center'>1</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>












<p class=MsoHeading7 align=center style='margin-left:0in;text-align:center'><b>STIFEL
FINANCIAL CORP.<br>
</b>Form 10-Q<b><br>
<a name="TABLE_OF_CONTENTS">TABLE
OF CONTENTS</a></b></p>
<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=630
 style='width:472.5pt;margin-left:.9pt;border-collapse:collapse'>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'><b>PART I - FINANCIAL
  INFORMATION</b></p>
  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:8.05pt'>
  <a href="#ITEM_1.">Item 1. Financial Statements</a></p>
  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:26.15pt;text-indent:-9.0pt'>Condensed Consolidated
  Statements of Financial Condition as of March 31, 2009 (unaudited) and
  December 31, 2008</p>
  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:26.15pt;text-indent:-9.0pt'>Condensed Consolidated
  Statements of Operations for the three months ended March 31, 2009 and March
  31, 2008 (unaudited)</p>
  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:26.15pt;text-indent:-9.0pt'>Condensed Consolidated
  Statements of Cash Flows for the three months ended March 31, 2009 and March
  31, 2008 (unaudited)</p>
  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:26.15pt;text-indent:-9.0pt'><a href="#Notes.">Notes to Condensed
  Consolidated Financial Statements</p>
  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:8.05pt'>
   <a href="#ITEM_2.">Item 2. Management's Discussion and Analysis
  of Financial Condition and Results of Operations</p>
  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:8.05pt'>
  <a href="#ITEM_3.">Item 3. Quantitative and Qualitative
  Disclosures About Market Risk</p>
  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:8.05pt'>
  <a href="#ITEM_4.">Item 4. Controls and Procedures</p>
  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.25in;text-indent:-.25in'>
  <a href="#PART_I."><b>
  PART II - OTHER INFORMATION</b></p>
  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:8.05pt'>Item 1. Legal Proceedings</p>
  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:8.05pt'>Item 1A. Risk Factors</p>
  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:8.05pt'>Item 2. Unregistered Sales of Equity
  Securities and Use of Proceeds</p>
  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:8.05pt'>Item 5. Other Information</p>
  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:8.05pt'>Item 6. Exhibits</p>
  </td>
 </tr>
 <tr>
  <td width=630 valign=top style='width:472.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:8.05pt'>Signatures</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoFooter align=center style='text-align:center'>2</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>

<p align="center">

<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>

<br clear=all
style='page-break-before:always'>


</p>


<p class=MsoNormal style='line-height:1.0pt'>&nbsp;</p>







<p class=MsoNormal style='margin-top:6.0pt'><b>PART I - FINANCIAL INFORMATION</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'>&nbsp;<b><i><a name="ITEM_1.">ITEM 1.</a>&nbsp;</i></b><b><i>&nbsp; FINANCIAL
STATEMENTS</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>&nbsp;</i></b></p>

<p class=MsoNormal align=center style='text-align:center;text-indent:.25in'><b>STIFEL FINANCIAL CORP.<br>
Condensed Consolidated
Statements of Financial Condition</b></p>
<div align="center">

<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0
 style='width:684px;margin-left:.1in;border-collapse:collapse;border:medium none; '>
 <tr style='height:14.35pt'>
  <td valign=top style='width:414px;border:medium none;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.5pt solid windowtext;
  height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31,</b><br>
  <b>2009</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt solid windowtext;
  height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'>December 31, 2008</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><i>(in
  thousands)</i></p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>(Unaudited)</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Assets</b></p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Cash
  and cash equivalents</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 286,658</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 239,725</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Cash
  segregated under federal and other regulations </p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>40</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp; 40</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Securities
  purchased under agreements to resell</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>69,593</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp; 17,723</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Receivable
  from brokers and dealers:</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp; </p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Securities failed to deliver </p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>19,973</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp; 3,837</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Deposits paid for securities borrowed </p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>75,815</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp; 49,784</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Clearing organizations </p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>84,186</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp; 55,793</p>
  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td rowspan=2 valign=top style='width:414px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Receivable from
  brokerage customers, net of allowance for doubtful receivables of $966 and $582,
  respectively </p>
  </td>
  <td rowspan=2 valign=top style='width:107px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b><br>
  270,754</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td rowspan=2 valign=top style='width:95px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><br>
&nbsp;&nbsp;&nbsp;&nbsp; 280,143</p>
  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td valign=top style='width:15px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr style='height:22.05pt'>
  <td valign=top style='width:414px;border:medium none;height:19px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><br>
  </b>Trading securities owned, at fair value </p>
  </td>
  <td valign=top style='width:107px;border:medium none;height:19px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b><br>
  217,910</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;height:19px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;height:19px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b><br>
  </b>141,085</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Trading
  securities owned and pledged, at fair value</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>209,185</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:33.3pt;text-indent:-13.5pt'>Total trading
  securities owned and pledged, at fair value</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>427,095</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp; 141,085</p>
  </td>
 </tr>
 <tr style='height:22.05pt'>
  <td valign=top style='width:414px;border:medium none;height:20px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b><br>
  </b>Available-for-sale
  securities, at fair value</p>
  </td>
  <td valign=top style='width:107px;border:medium none;height:20px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b><br>
  53,627</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;height:20px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;height:20px; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b><br>
  </b>&nbsp;&nbsp;&nbsp;&nbsp; 50,397</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:12.6pt;text-indent:-12.6pt'>Held-to-maturity
  securities, at amortized cost </p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>7,574</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp; 7,574</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt;text-indent:-12.6pt'>Mortgages held for
  sale</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>31,108</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp; 31,246</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Bank loans, net of
  allowance for loan losses of $2,710 and $2,448, respectively </p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b><br>
  171,384</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><br>
&nbsp;&nbsp;&nbsp;&nbsp; 181,269</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Bank foreclosed assets
  held for sale, net of estimated cost to sell</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>4,384</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp; 2,326</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Investments</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>62,471</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp; 74,898</p>
  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td rowspan=3 valign=top style='width:414px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Office equipment and
  leasehold improvements, at cost, <br>
  net of accumulated depreciation and amortization of $57,888 and $54,075,
  respectively </p>
  </td>
  <td rowspan=3 valign=top style='width:107px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b><br>
  <br>
  47,547</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td rowspan=3 valign=top style='width:95px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><br>
  <br>
&nbsp;&nbsp;&nbsp;&nbsp; 47,765</p>
  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td valign=top style='width:15px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td valign=top style='width:15px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Goodwill</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>131,412</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp; 128,278</p>
  </td>
 </tr>
 <tr style='height:25.35pt'>
  <td valign=top style='width:414px;border:medium none;height:25.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Intangible assets, net
  of accumulated amortization of $9,024 and $8,290, respectively</p>
  </td>
  <td valign=top style='width:107px;border:medium none;height:25.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b><br>
  16,926</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;height:25.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;height:25.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><br>
&nbsp;&nbsp;&nbsp;&nbsp; 15,984</p>
  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td rowspan=3 valign=top style='width:414px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Loans and advances to
  financial advisors and other employees, net of allowance for doubtful
  receivables from former employees of $1,117 and $1,186, respectively</p>
  </td>
  <td rowspan=3 valign=bottom style='width:107px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>114,237</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td rowspan=3 valign=bottom style='width:95px;border:medium none;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp; 105,767</p>
  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td valign=top style='width:15px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td valign=top style='width:15px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Deferred
  tax assets, net</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>43,828</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp; 47,337</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Other
  assets </p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>96,086</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp; 77,174</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:19.8pt'>Total assets </p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,014,698</b></p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp; 1,558,145</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:414px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal align=center style='text-align:center'><i>See accompanying Notes
to Condensed Consolidated Financial Statements.</i></p>

<p class=MsoFooter align=center style='text-align:center'>3</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal align=center style='text-align:center;text-indent:.25in'><b>STIFEL FINANCIAL CORP.<br>
Condensed Consolidated
Statements of Financial Condition (continued)</b></p>

<p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>

<div align="center">

<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0
 style='width:682px;margin-left:.1in;border-collapse:collapse;border:medium none; '>
 <tr style='height:14.35pt'>
  <td valign=top style='width:408px;border:medium none;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.5pt solid windowtext;
  height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31,</b><br>
  <b>2009</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt solid windowtext;
  height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'>December 31, 2008</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><i>(in
  thousands, except share amounts)</i></p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>(Unaudited)</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Liabilities
  and Stockholders' Equity</b></p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;</p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Short-term
  borrowings from banks</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 163,500</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>$<b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Drafts
  payable</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>35,059</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>49,401</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Securities
  sold under agreements to repurchase</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>763</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>2,216</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Payable
  to brokers and dealers:</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Securities failed to receive</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>25,566</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>8,811</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Deposits received from securities loaned</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>29,658</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>16,987</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Clearing organizations </p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>903</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>3,893</p>
  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td valign=top style='width:408px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Payable
  to customers</p>
  </td>
  <td valign=top style='width:107px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>146,006</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>156,495</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Bank deposits</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>459,305</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>284,798</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Federal Home Loan Bank
  advances and other secured financing</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>6,035</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>6,000</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Trading securities
  sold, but not yet purchased, at fair value</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>260,684</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>98,934</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt;text-indent:-12.6pt'>Accrued employee
  compensation</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>71,360</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>130,037</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:12.6pt;text-indent:-12.6pt'>Accounts payable and
  accrued expenses</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>89,525</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>100,528</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:12.6pt;text-indent:-12.6pt'>Debenture to Stifel
  Financial Capital Trust II</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>35,000</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>35,000</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Debenture to Stifel
  Financial Capital Trust III</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>35,000</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>35,000</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Debenture to Stifel
  Financial Capital Trust IV</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>12,500</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>12,500</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Other</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>9,398</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>19,998</p>
  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td valign=top style='width:408px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:107px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>1,380,262</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>960,598</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Liabilities
  subordinated to claims of general creditors</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>3,634</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>4,362</p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td valign=top style='width:408px;border:medium none;height:14.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Stockholders' Equity:</b></p>
  </td>
  <td valign=top style='width:107px;border:medium none;height:14.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;height:14.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;height:14.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td valign=top style='width:408px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Preferred stock - $1 par value;
  authorized 3,000,000 shares;<b> <br>
  </b>none issued</p>
  </td>
  <td valign=top style='width:107px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b><br>
  --</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b><br>
  </b>--</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Common stock - $0.15 par value;
  authorized 30,000,000 shares; issued 27,340,886 and 26,300,135 shares,
  respectively</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b><br>
  4,101</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b><br>
  </b>3,945</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Additional
  paid-in capital</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>450,045</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>427,480</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Retained
  earnings</p>
  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>182,450</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>168,993</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Accumulated
  other comprehensive loss</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>(4,908)</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(6,295)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>631,688</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>594,123</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Unearned employee
  stock ownership plan shares, at cost,<b> <br>
  </b>138,287
  and 146,421 shares, respectively</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b><br>
  (886)</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b><br>
  </b>(938)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>630,802</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>593,185</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-indent:19.8pt'>Total liabilities and stockholders' equity</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,014,698</b></p>
  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp; 1,558,145</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='border:medium none; width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='border:medium none; width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:408px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:17px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal align=center style='margin-top:6.0pt;text-align:center'><i>See accompanying Notes
to Condensed Consolidated Financial Statements.</i></p>

<p class=MsoFooter align=center style='text-align:center'>4</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br
clear=all style='page-break-before:always'>










<p class=MsoNormal align=center style='text-align:center;text-indent:.25in'><b>STIFEL FINANCIAL CORP.<br>
Condensed Consolidated
Statements of Operations<br>
(Unaudited)&nbsp;</b></p>
<div align="center">

<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0
 style='width:678px;margin-left:.1in;border-collapse:collapse;border:medium none; '>
 <tr style='height:14.35pt'>
  <td valign=top style='width:405px;border:medium none;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:245px;border-bottom:1.5pt solid windowtext;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Three Months Ended
  March 31,</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><i>(in
  thousands, except per share amounts)</i></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>2009</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'>2008</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Revenues:</b></p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;</p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Commissions</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 74,610</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 85,701</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Principal transactions</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>97,278</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>66,937</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Investment banking</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>15,504</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>21,844</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Asset management and service fees</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>24,933</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>30,278</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Interest</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>9,892</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>13,689</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Other income/(loss)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>115</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(1,207)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:24.3pt'>Total revenues</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>222,332</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>217,242</p>
  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td valign=top style='width:405px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Interest
  expense</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>2,351</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.0pt solid windowtext;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>5,765</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:24.3pt'>Net revenues</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>219,981</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>211,477</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'><b>Non-interest expenses:</b></p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Employee compensation and benefits</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>147,840</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>146,030</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Occupancy and equipment rental</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>17,867</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>15,716</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Communication and office supplies</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>11,845</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>11,947</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Commissions and floor brokerage</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>4,360</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>481</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Other operating expenses</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>15,914</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>13,378</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:24.3pt'>Total non-interest expenses</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>197,826</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>187,552</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Income
  before income taxes</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>22,155</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>23,925</p>
  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td valign=top style='width:405px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Provision for income
  taxes</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.5pt solid windowtext;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>8,978</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt solid windowtext;
  height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>9,578</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:24.3pt'><b>Net income</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 13,177</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp; 14,347</p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td valign=top style='width:405px;border:medium none;height:14.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Net income per share - basic*</p>
  </td>
  <td valign=top style='width:104px;border:medium none;height:14.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.49</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;height:14.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;height:14.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.61</p>
  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td valign=top style='width:405px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Net income per share -
  diluted*</p>
  </td>
  <td valign=top style='width:104px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.44</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.54</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Weighted
  average common shares outstanding - basic*</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>26,772</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>23,276</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Weighted
  average common shares outstanding - diluted*</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>30,198</b></p>
  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>26,645</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:21px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-indent:-.25in'><i>*&nbsp;&nbsp;&nbsp; All share and
earnings per share amounts for the three months ended March 31, 2008 have been adjusted for the</i>
<i>June 12,
2008 three-for-two stock split.</i></p>

<p class=MsoNormal align=center style='margin-top:6.0pt;text-align:center'><i>See accompanying Notes
to Condensed Consolidated Financial Statements.</i></p>

<p class=MsoFooter align=center style='text-align:center'>5</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br
clear=all style='page-break-before:always'>










<p class=MsoNormal align=center style='margin-top:6.0pt;text-align:center'><b>STIFEL FINANCIAL CORP.<br>
Condensed Consolidated
Statements of Cash Flows<br>
(Unaudited)</b></p>

<p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>

<div align="center">

<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0
 style='width:681px;margin-left:.1in;border-collapse:collapse;border:medium none; '>
 <tr style='height:14.35pt'>
  <td valign=top style='width:405px;border:medium none;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:248px;border-bottom:1.5pt solid windowtext;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Three Months Ended
  March 31,</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><i>(in
  thousands)</i></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>2009</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:99px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'>2008</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Operating
  Activities:</b></p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Net
  income</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 13,177</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,347</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Adjustments to
  reconcile net income to net cash provided by (used in) operating activities:</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Depreciation and
  amortization</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>4,753</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>3,568</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Loans and advances
  amortization</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>6,341</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>4,472</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Accretion of discounts
  on available-for-sale securities</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>(75)</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(145)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Provision for loan
  losses and allowances for loans and advances to financial advisors and other
  employees</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><br>
  <b>663</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><br>
  (189)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none msorm;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Deferred taxes and other</p>
  </td>
  <td valign=top style='width:104px;border:medium none msorm;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>3,115</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none msorm;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;border:medium none msorm;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>1,328</p>
  </td>
 </tr>
 <tr style='height:12.75pt' style='height:12.75pt !msorm'>
  <td valign=top style='width:405px;border:medium none msorm;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Excess tax benefit
  associated with stock based awards</p>
  </td>
  <td valign=top style='width:104px;border:medium none msorm;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>(9,597)</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none msorm;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;border:medium none msorm;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(5,957)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Stock-based
  compensation</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>13,077</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>12,074</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Loss on the sale of
  investments</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>2,409</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3,796</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Loss on sale of bank foreclosed assets</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>107</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Decrease
  (increase) in assets:</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Operating receivables</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>(61,171)</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(49,373)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Cash segregated under
  federal and other regulations</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>--</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(4,998)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Securities purchased
  under agreements to resell</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>(51,870)</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(83)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Loans originated as
  mortgages held for sale</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>(240,131)</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(75,896)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Proceeds from mortgages
  held for sale</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>240,270</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>61,929</p>
  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td valign=top style='width:405px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Trading securities
  owned, including those pledeged</p>
  </td>
  <td valign=top style='width:104px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>(286,010)</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(26,244)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Loans and advancements
  to financial advisors and other employees</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><br>
  <b>(15,161)</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><br>
  (6,448)</p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td valign=top style='width:405px;border:medium none;height:14.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Other assets</p>
  </td>
  <td valign=top style='width:104px;border:medium none;height:14.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>(14,574)</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;height:14.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;border:medium none;height:14.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>23,988</p>
  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td valign=top style='width:405px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Increase (decrease) in
  liabilities:</p>
  </td>
  <td valign=top style='width:104px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Operating payables</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>3,377</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>52,366</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Trading securities
  sold, but not yet purchased</p>
  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>161,750</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>91,456</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Other liabilities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>(104,064)</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:99px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(80,578)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Net
  Cash Provided by (Used in) Operating Activities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (333,614)</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:99px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,413</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:104px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:99px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:104px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal align=center style='margin-top:6.0pt;text-align:center'><i>See accompanying Notes
to Condensed Consolidated Financial Statements.</i></p>

<p class=MsoFooter align=center style='text-align:center'>6</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal align=center style='text-align:center;text-indent:.25in'><b>STIFEL FINANCIAL CORP.<br>
Condensed Consolidated
Statements of Cash Flows (continued)<br>
(Unaudited)</b></p>

<p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>

<div align="center">

<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0
 style='width:684px;margin-left:.1in;border-collapse:collapse;border:medium none; '>
 <tr style='height:14.35pt'>
  <td valign=top style='width:404px;border:medium none;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:255px;border-bottom:1.5pt solid windowtext;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Three Months Ended
  March 31,</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><i>(in
  thousands)</i></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>2009</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'>2008</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Investing
  Activities:</b></p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;</p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in;text-indent:-.15in'>Proceeds from:</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Sale or maturity of
  investments</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 24,848</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,758</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Maturities, calls and
  principal paydowns on available-for-sale securities</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><br>
  <b>9,515</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><br>
  9,923</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Sale of property</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>--</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>766</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Bank customer loan
  repayments</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>250,603</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>39,646</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Sale of bank foreclosed
  assets held for sale</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>353</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in;text-indent:-.15in'>Payments for:</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none msorm;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Bank customer loan
  originations</p>
  </td>
  <td valign=top style='width:105px;border:medium none msorm;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>(240,578)</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none msorm;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;border:medium none msorm;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(46,462)</p>
  </td>
 </tr>
 <tr style='height:12.75pt' style='height:12.75pt !msorm'>
  <td valign=top style='width:404px;border:medium none msorm;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Purchase of
  available-for-sale securities</p>
  </td>
  <td valign=top style='width:105px;border:medium none msorm;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>(10,521)</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none msorm;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none msorm;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Purchase of bank
  foreclosed assets held for sale</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>(2,523)</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(1,142)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Office equipment and
  leasehold improvements</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>(3,847)</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(4,630)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Purchase of
  investments</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>(14,831)</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(9,488)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Net
  Cash Provided by (Used in) Investing Activities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>13,019</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(2,629)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Financing
  Activities:</b></p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Increase
  in bank deposits, net</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>174,507</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>37,179</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Net
  proceeds from short-term borrowings from banks</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>163,500</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>10,550</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Securities
  loaned, net</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>12,570</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(17,003)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Decrease
  in securities sold under agreements to repurchase</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>(1,453)</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td valign=top style='width:404px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Reissuance
  of treasury stock</p>
  </td>
  <td valign=top style='width:105px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>--</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>319</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Issuance
  of stock</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>10,072</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>80</p>
  </td>
 </tr>
 <tr style='height:14.85pt'>
  <td valign=top style='width:404px;border:medium none;height:14.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Excess
  tax benefits associated with stock-based awards</p>
  </td>
  <td valign=top style='width:105px;border:medium none;height:14.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>9,597</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;height:14.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;height:14.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>5,957</p>
  </td>
 </tr>
 <tr style='height:12.75pt'>
  <td valign=top style='width:404px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Federal Home Loan Bank
  advances and other secured financing</p>
  </td>
  <td valign=top style='width:105px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>35</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;border:medium none;height:12.75pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:10.75pt;text-indent:-10.75pt'>Payments for:</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Repurchase agreements</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>--</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(9)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Purchases of stock for
  treasury</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>--</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(12,141)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Reduction of
  subordinated debt</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>(1,300)</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(914)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Net
  Cash Provided by Financing Activities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>367,528</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.5pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>24,018</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Increase
  in cash and cash equivalents</p>
  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>46,933</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>40,802</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Cash
  and cash equivalents at beginning of period</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>239,725</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>47,963</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Cash
  and cash equivalents at end of period</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 286,658</b></p>
  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 88,765</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:404px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:20px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal align=center style='margin-top:6.0pt;text-align:center'><i>See accompanying Notes
to Condensed Consolidated Financial Statements.</i></p>

<p class=MsoFooter align=center style='text-align:center'>7</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal align=center style='text-align:center;text-indent:.25in'><b>STIFEL FINANCIAL CORP.<br>
Condensed Consolidated
Statements of Cash Flows (continued)<br>
(Unaudited)</b></p>
<div align="center">

<table class=MsoNormalTable border=1 cellspacing=0 cellpadding=0
 style='width:687px;margin-left:.1in;border-collapse:collapse;border:medium none; '>
 <tr style='height:14.35pt'>
  <td valign=top style='width:405px;border:medium none;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:254px;border-bottom:1.5pt solid windowtext;height:14.35pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Three Months Ended
  March 31,</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><i>(in
  thousands)</i></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>2009</b></p>
  </td>
  <td valign=top style='width:25px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:103px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'>2008</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Supplemental
  disclosure of cash flow information:</b></p>
  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:25px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:103px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Cash paid for interest</p>
  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 2,264</b></p>
  </td>
  <td valign=top style='width:25px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:103px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,831</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Cash paid for income
  taxes, net of refunds</p>
  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>497</b></p>
  </td>
  <td valign=top style='width:25px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:103px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>657</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in;text-indent:-.15in'><b>Noncash investing and
  financing activities:</b></p>
  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:25px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:103px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Units, net of
  forfeitures</p>
  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp; 35,157</b></p>
  </td>
  <td valign=top style='width:25px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:103px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 27,238</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Payment of Ryan Beck
  contingent earn-out</p>
  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='margin-right:.75pt;text-align:right'><b>9,807</b></p>
  </td>
  <td valign=top style='width:25px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:103px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:405px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='width:25px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:103px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
</table>

</div>

<p class=MsoNormal align=center style='margin-top:6.0pt;text-align:center'><i>See accompanying Notes
to Condensed Consolidated Financial Statements.</i></p>

<p class=MsoFooter align=center style='text-align:center'>8</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<p align="center">

<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal align=center style='text-align:center;text-indent:.25in'><b>STIFEL FINANCIAL CORP.<br>
<a name="Notes.">Notes </a>&nbsp;to Condensed
Consolidated Financial Statements<br>
(in thousands, except
share and per share amounts)<br>
(Unaudited)</b></p>

<p class=MsoNormal><b><i>&nbsp;</i></b></p>

<p class=MsoNormal><b>NOTE
1 - Nature of Operation and Basis of Presentation</b></p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Nature of Operations</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stifel Financial Corp.
(the &quot;Parent&quot;), through its wholly-owned subsidiaries, principally Stifel,
Nicolaus &amp; Company, Incorporated (&quot;Stifel Nicolaus&quot;), Century Securities
Associates, Inc. (&quot;CSA&quot;), Stifel Nicolaus Limited (&quot;SN Ltd&quot;), Butler Wick &amp;
Company, Inc. (&quot;Butler Wick&quot;), and Stifel Bank &amp; Trust (&quot;Stifel Bank&quot;), is
principally engaged in retail brokerage, securities trading, investment
banking, investment advisory, retail, consumer and commercial banking and
related financial services throughout the United States. Although we have
offices throughout the United States and three European cities, our major
geographic area of concentration is in the Midwest and Mid-Atlantic regions,
with a growing presence in the Northeast, Southeast and Western United States. Our
company's principal customers are individual investors, corporations,
municipalities, and institutions.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Basis of Presentation</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The condensed consolidated
financial statements include the accounts of Stifel Financial Corp. and its
wholly-owned subsidiaries, principally Stifel Nicolaus &amp; Company,
Incorporated. Intercompany balances and transactions have been eliminated. Unless
otherwise indicated, the terms &quot;we,&quot; &quot;us&quot; &quot;our&quot; or &quot;our company&quot; in this report
refer to Stifel Financial Corp. and its wholly-owned subsidiaries.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have prepared the accompanying unaudited condensed
consolidated financial statements pursuant to the rules and regulations of the
Securities and Exchange Commission (the &quot;SEC&quot;). Pursuant to these rules and
regulations, we have condensed or omitted certain information and footnote
disclosures we normally include in our annual consolidated financial statements
prepared in accordance with U.S. generally accepted accounting principles. In
management's opinion, we have made all adjustments (consisting only of normal,
recurring adjustments, except as otherwise noted) necessary to fairly present
our financial position, results of operations and cash flows. Our interim
period operating results do not necessarily indicate the results that may be
expected for any other interim period or for the full fiscal year. These
financial statements and accompanying notes should be read in conjunction with
the consolidated financial statements and the notes thereto in our Annual
Report on Form 10-K for the year ended December 31, 2008 on file with
the SEC.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Certain amounts from prior years have been
reclassified to conform to the current year presentation. The effect of these reclassifications
on our company's previously reported consolidated financial statements was not
material.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>There have been no material changes in our significant
accounting policies, as compared to the significant accounting policies
described in our Annual Report on Form 10-K for the year ended December
31, 2008.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On May 12, 2008, the Board of Directors authorized a
50% stock dividend, which was made in the form of a three-for-two stock split
to shareholders of record on May 29, 2008 and distributed on June 12, 2008.
Cash was distributed in lieu of fractional shares. All share and per share data
(except par value) have been adjusted to reflect the effect of the stock split
for all periods presented. The number of shares of common stock issuable upon
exercise of outstanding stock options, vesting of other stock awards, and the
number of shares reserved for issuance under various employee benefit plans
were proportionately increased in accordance with the terms of the respective
plans.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Recently Adopted Accounting Pronouncements</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>
With the exception of those discussed below, there have been no recent
accounting pronouncements or changes in accounting pronouncements during the
three months ended March 31, 2009, as compared to the recent accounting
pronouncements described in our Annual Report on Form 10-K for the year ended December 31, 2008, that are
of significance, or potential significance, to our company's consolidated
financial statements.</p>

<p class=MsoFooter align=center style='text-align:center'>9</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In November 2008, the
Emerging Issues Task Force (&quot;EITF&quot;) reached a consensus on Issue No. 08-7
(&quot;EITF 08-7&quot;), &quot;Accounting for Defensive Intangible Assets,&quot; which requires
that a defensive intangible asset be accounted for as a separate unit of
accounting and should not be included as part of the cost of the acquirer's
existing intangible assets. In addition, EITF 08-7 requires that a defensive
intangible asset be assigned a useful life that reflects the entity's
consumption of the expected benefits related to the asset. EITF 08-7 is to be
applied to all business combinations for which the acquisition date is on or
after the beginning of the first annual reporting period beginning on or after
December 15, 2008. We adopted the provisions of EITF 08-7 in the first quarter
of 2009. Since this guidance will be applied prospectively, on adoption,
there was no impact to our consolidated financial statements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In September 2008, the Financial
Accounting Standards Board (&quot;FASB&quot;) issued FASB Staff Position (&quot;FSP&quot;) No.
133-1 and FASB Interpretation (&quot;FIN&quot;) FIN 45-4 (&quot;FSP FAS 133-1 and FIN 45-4&quot;),
&quot;Disclosures about Credit Derivatives and Certain Guarantees: An Amendment of
FASB Statement No. 133 and FASB Interpretation No. 45; and Clarification of the
Effective Date of FASB Statement No. 161.&quot; FSP FAS 133-1 and FIN 45-4 amend
FASB Statement No. 133 (&quot;SFAS 133&quot;), &quot;Accounting for Derivative Instruments and
Hedging Activities,&quot; to require disclosures by sellers of credit derivatives,
including credit derivatives embedded in hybrid instruments. FSP FAS 133-1 and
FIN 45-4 also amend FIN No. 45 (&quot;FIN 45&quot;), &quot;Guarantor's Accounting and
Disclosure Requirements for Guarantees, Including Indirect Guarantees of
Indebtedness to Others,&quot; to require additional disclosure about the current
status of the payment/performance risk of a guarantee. We adopted the
provisions of FSP FAS 113-1 and FIN 45-4 in the first quarter of 2009. FSP FAS
133-1 and FIN 45-4 also clarify the effective date in FASB Statement No. 161
(&quot;SFAS 161&quot;), &quot;Disclosures about Derivative Instruments and Hedging
Activities.&quot; Since FSP FAS 133-1 and FIN 45-4 only required additional
disclosures, the adoption did not impact our consolidated financial statements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In June 2008, the FASB
issued FSP EITF No. 03-6-1 (&quot;FSP EITF 03-06-1&quot;), &quot;Determining Whether
Instruments Granted in Share-Based Payment Transactions Are Participating
Securities,&quot; which addresses whether instruments granted in share-based payment
transactions are participating securities prior to vesting and, therefore, need
to be included in the earnings allocation in computing earnings per share under
the two-class method described in FASB Statement No. 128, &quot;Earnings per Share.&quot;
FSP EITF 03-6-1 specifies that unvested share-based payment awards that contain
nonforfeitable rights to dividends or dividend equivalents (whether paid or
unpaid) are participating securities and shall be included in the computation
of earnings per share pursuant to the two-class method. We adopted FSP EITF
03-06-1 in the first quarter of 2009. The adoption did not impact our
calculation of earnings per share for the three months ended March 31, 2009.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In April 2008, the FASB
issued FSP No. 142-3 (&quot;FSP 142-3&quot;), &quot;Determination of the Useful Life of
Intangible Assets.&quot; FSP 142-3 amends the factors an entity should consider in
developing renewal or extension assumptions used in determining the useful life
of recognized intangible assets under FASB Statement No. 142, &quot;Goodwill and
Other Intangible Assets.&quot; This new guidance applies prospectively to intangible
assets that are acquired individually or with a group of other assets in
business combinations and asset acquisitions. We adopted FSP 142-3 in the first
quarter of 2009. FSP 142-3 will be applied prospectively to business
combinations and asset acquisitions that occur on or after January 1, 2009. We
will evaluate the impact of FSP 142-3 on any potential future business
combinations and asset acquisitions that may occur after the effective date.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In March 2008, the FASB
issued SFAS 161, &quot;Disclosures about Derivative Instruments and Hedging
Activities - an amendment of FASB Statement No. 133,&quot; which requires companies
with derivative instruments to disclose information that should enable
financial statement users to understand how and why a company uses derivative
instruments, how derivative instruments and related hedged items are accounted
for under SFAS 133 and how derivative instruments and related hedged items
affect a company's financial position, financial performance and cash flows. We
adopted SFAS 161 in the first quarter of 2009. Since SFAS 161 only
required additional disclosure, the adoption did not impact our consolidated
financial statements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In December 2007, the
FASB issued SFAS No. 141 (revised 2007) (&quot;SFAS 141R&quot;), &quot;Business Combinations&quot;
and SFAS No. 160 (&quot;SFAS 160&quot;), &quot;Noncontrolling Interests in Consolidated
Financial Statements - an amendment of Accounting Research Bulletin No. 51.&quot;
SFAS 141R will change how business acquisitions are accounted for and will
impact financial statements both on the acquisition date and in subsequent
periods. SFAS 160 will change the accounting and reporting for minority
interests, which will be recharacterized as noncontrolling interests and
classified as a component of equity. We adopted SFAS 141R and SFAS 160 in the
first quarter of 2009. The adoption of SFAS 141R and SFAS 160 did not
have a material impact on our consolidated financial statements.</p>

<p class=MsoFooter align=center style='text-align:center'>10</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In September 2006, the
FASB issued FASB Statement No. 157 (&quot;SFAS 157&quot;), &quot;Fair Value Measurements,&quot;
which defines fair value, establishes guidelines for measuring fair value and
expands disclosures regarding fair value measurements. SFAS 157 does not
require any new fair value measurements but rather eliminates inconsistencies
in guidance found in various prior accounting pronouncements and is effective
for fiscal years beginning after November 15, 2007. We adopted SFAS 157 for all
nonfinancial assets and nonfinancial liabilities on January 1, 2009. These
nonfinancial items include assets and liabilities such as reporting units
measured at fair value in a goodwill impairment test and nonfinancial assets
acquired and liabilities assumed in a business combination. The adoption of SFAS
157 for nonfinancial assets and liabilities did not have a material impact on
our consolidated financial statements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Recently Issued
Accounting Pronouncements</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In April 2009, the FASB issued FSP No. FAS 107-1 and
APB 28-1 (&quot;FSP FAS 107-1 and APB 28-1&quot;), &quot;Interim Disclosures about Fair Value
of Financial Instruments,&quot; which require disclosures about fair value of
financial instruments for interim reporting periods. FSP FAS 107-1 and APB 28-1
relate to fair value disclosures for any financial instruments that are not
currently reflected on the balance sheet of companies at fair value. Prior to adoption,
we were required to disclose the fair values for these assets and liabilities in
our annual audited financial statements. FSP FAS 107-1 and APB 28-1 are effective
for interim periods ending after June 15, 2009. Early adoption is permitted. The
adoption will expand our disclosures regarding the use of fair value in interim
periods and is not expected to have a material impact on our consolidated
financial statements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In April 2009, the FASB issued FSP No. FAS 115-2 and FAS
124-2 (&quot;FSP FAS 115-2 and FAS 124-2&quot;), &quot;Recognition and Presentation of
Other-Than-Temporary-Impairments.&quot; FSP FAS 115-2 and FAS 124-2 amend existing
guidance to improve the presentation and disclosure of other-than-temporary
impairments on debt and equity securities in the financial statements. FSP FAS
115-2 and FAS 124-2 require separate display of losses related to credit
deterioration and losses related to other market factors. When an entity does
not intend to sell the security and it is more likely than not that an entity
will not have to sell the security before recovery of its cost basis, it must
recognize the credit component of an other-than-temporary impairment in
earnings and the remaining portion in other comprehensive income. FSP FAS 115-2
and FAS 124-2 are effective for interim and annual periods ending after June
15, 2009. Early adoption is permitted. We are currently evaluating the impact
that FSP FAS 115-2 and FAS 124-2 will have on our consolidated financial
statements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In April 2009, the FASB issued FSP No. 157-4 (&quot;FSP FAS
157-4&quot;), &quot;Determining Fair Value When the Volume and Level of Activity for the
Asset or Liability Have Significantly Decreased and Identifying Transactions That
Are Not Orderly,&quot; which provides additional guidance for estimating fair value
in accordance with SFAS 157 when the volume and level of activity for the asset
or liability have significantly decreased. FSP FAS 157-4 also includes guidance
on identifying circumstances that indicate a transaction is distressed. FSP FAS
157-4 is effective for interim and annual periods ending after June 15, 2009.
Early adoption is permitted. The adoption of FAP FAS 157-4 will be applied
prospectively, and is not expected to have a material impact on our
consolidated financial statements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b>NOTE 2 - </b><b>Acquisitions</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in;
text-autospace:none'>On
March 23, 2009, we entered into a definitive agreement with UBS Financial
Services Inc. (&quot;UBS&quot;), which was amended May 4, 2009, to acquire up to 58 branches from the UBS Wealth
Management Americas branch network. The transaction is structured as an asset
purchase for cash at a premium over certain balance sheet items, subject to
adjustment. The total consideration includes: (1) an upfront cash payment of up
to approximately $29,000 based on the actual number of branches and financial advisors
acquired; and (2) aggregate payments of up to approximately $21,100 for net
fixed assets and employee loans. In addition, we will issue transition pay in
the form of upfront payments of up to $37,100. Of the upfront payments issued
to UBS financial advisors, we expect to pay 70% in cash and the remaining in
our company's stock units. A contingent earn-out payment is payable based on the
performance of UBS financial advisors who become our employees, over the two-year
period following the closing. The closing of the acquisition is subject to
customary conditions and the approval of all required governmental and other
regulatory entities and is expected to occur during the third quarter of 2009.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in;
text-autospace:none'>On
December 31, 2008, we closed on the acquisition of Butler Wick, a
privately-held broker-dealer that provides financial advice to individuals,
municipalities, and corporate clients. We acquired 100% of the voting interests
of Butler Wick from United Community Financial Corp. This acquisition extends our
company's geographic reach in the Ohio Valley region. The purchase price of $12,000
was funded from cash generated from operations. Under the purchase method of
accounting, the assets and liabilities of Butler Wick are recorded as of the
acquisition date, at their respective fair values and consolidated in our
company's financial statements. Revisions to the allocation will be reported as
changes to various assets and liabilities, including goodwill and other
intangible assets. Pro forma information is not presented because the
acquisition is not considered to be material. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in;
text-autospace:none'>On
February 28, 2007, we completed the acquisition of Ryan Beck &amp; Company,
Inc. (&quot;Ryan Beck&quot;), a full-service brokerage and investment banking firm and
wholly-owned subsidiary of BankAtlantic Bancorp, Inc. Pursuant to the stock
purchase agreement, an additional earn-out payment was payable based on the
achievement of defined revenues over the two year period following the closing.
We paid the final earn-out payment of $9,807 related to the two-year private
client contingent earn-out in 271,353 shares of our company's common stock at an
average price of $34.30 per share in the first quarter of 2009, with partial
shares paid in cash.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b>NOTE 3 - Fair Value
of Financial Instruments</b></p>

<p class=NoteTitle style='text-indent:.25in'>We measure certain financial assets and liabilities at fair
value on a recurring basis, including cash equivalents, trading securities
owned and pledged, available-for-sale securities, investments and trading
securities sold, but not yet purchased.</p>

<p class=NoteTitle style='text-indent:.25in'>The degree of judgment used in measuring the fair value of
financial instruments generally correlates to the level of pricing observability.
Pricing observability is impacted by a number of factors, including the type of
financial instrument, whether the financial instrument is new to the market and
not yet established and the characteristics specific to the transaction.
Financial instruments with readily available active quoted prices for which
fair value can be measured from actively quoted prices generally will have a
higher degree of pricing observability and a lesser degree of judgment used in
measuring fair value. Conversely, financial instruments rarely traded or not
quoted will generally have less, or no, pricing observability and a higher
degree of judgment used in measuring fair value.</p>

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<p class=NoteTitle style='text-indent:.25in'>The following table summarizes the
valuation of our financial instruments by SFAS 157 pricing observability levels
as of March 31, 2009 (in thousands):</p>

<div align="left">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:879px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:12.6pt'>
  <td valign=top style='border-style:none; border-width:medium; width:299px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:552px;border-bottom:medium none windowtext;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
 <tr style='height:12.6pt'>
  <td valign=top style='width:299px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-top-style:none; border-top-width:medium'>
  <p class=NoteTitle style='margin-top:0in'><i>&nbsp;</i></p>
  </td>
  <td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:552px;border-bottom:1.0pt solid windowtext;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><b>Fair Value Measurements at Reporting Date Using</b></p>
  </td>
 </tr>
 <tr style='height:12.6pt'>
  <td valign=top style='width:299px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'><i>&nbsp;</i></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><b><br>
  <br>
  <br>
  <br>
  Total</b></p>
  </td>
  <td valign=top style='width:8px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><b>Quoted Prices in Active Markets for Identical Assets
  (Level I)</b></p>
  </td>
  <td valign=top style='width:13px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><b>Significant Other Observable Inputs <br>
  &nbsp;(Level II)</b></p>
  </td>
  <td valign=top style='width:12px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:114px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><b><br>
  Significant Unobservable Inputs <br>
  (Level III)</b></p>
  </td>
 </tr>
 <tr style='height:8.95pt'>
  <td valign=top style='width:299px;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left'>Assets:</p>
  </td>
  <td valign=top style='width:110px;border:medium none;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:8px;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;border:medium none;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:13px;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;border:medium none;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:114px;border:medium none;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left'>Cash equivalents</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 132,456</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 132,456</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left'><b>Trading securities owned and pledged:</b></p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>U.S. government and agency securities</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 83,217</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,855</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 70,362</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>State
  and municipal bonds</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 55,722</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18,495</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 28,929</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,298</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:.25in;margin-bottom:.0001pt;text-indent:-9.0pt'>Corporate obligations</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 270,552</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 73,902</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 192,288</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,362</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:.25in;margin-bottom:.0001pt;text-indent:-9.0pt'>Corporate stocks</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,604</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,864</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:114px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,740</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'>Total trading securities owned and pledged</p>
  </td>
  <td valign=top style='width:110px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 427,095</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 111,116</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 291,579</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:114px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 24,400</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b>Available-for-sale
  securities:</b></p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:.25in;margin-bottom:.0001pt;text-indent:-9.0pt'>U.S. government agencies</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,047</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,047</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>State
  and political subdivisions</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,538</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,538</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>Mortgage-backed
  securities-<br>
  &nbsp;agency collateralized</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,362</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,362</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>Mortgage-backed
  securities-<br>
  &nbsp;non-agency collateralized</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18,985</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18,985</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in;text-indent:9.0pt'>Corporate bonds</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,360</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,360</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in;text-indent:9.0pt'>Asset-backed securities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,335</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:114px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,335</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left'>Total available-for-sale
  securities</p>
  </td>
  <td valign=top style='width:110px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 53,627</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,360</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 34,932</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:114px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,335</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b>Investments:
  </b>
  </p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in;text-indent:9.0pt'>Marketable equity securities</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,254</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,254</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in;text-indent:9.0pt'>Mutual funds</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,599</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,599</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in;text-indent:9.0pt'>U.S. government obligations</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,131</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,131</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in;text-indent:9.0pt'>Other investments</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,528</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 80</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 417</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:114px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,031</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'>Total investments</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 36,512</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 31,064</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 417</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:114px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,031</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:9.0pt;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>Total</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 649,690</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 284,996</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 326,928</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:114px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 37,766</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'>Liabilities:</p>
  </td>
  <td valign=top style='width:110px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle align=right style='margin-top:0in;text-align:right'>&nbsp;</p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  &nbsp;</td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  &nbsp;</td>
  <td valign=top style='width:114px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left'><b>Trading securities sold, but not yet purchased:</b></p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  &nbsp;</td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  &nbsp;</td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>U.S. government and agency securities</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 92,707</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 86,674</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,033</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>State
  and municipal bonds</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 305</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 130</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 175</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:.25in;margin-bottom:.0001pt;text-indent:-9.0pt'>Corporate obligations</p>
  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 163,572</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:109px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 52,128</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 111,444</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:114px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:.25in;margin-bottom:.0001pt;text-indent:-9.0pt'>Corporate stocks</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,100</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,100</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:1.0in;margin-bottom:.0001pt;text-indent:-1.0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:114px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:9.0pt;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>Total</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 260,684</b></p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 143,032</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 117,652</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:114px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium' align="right">

  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:109px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium' align="right">

  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium' align="right">

  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:114px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:299px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-right-style:none; border-right-width:medium'>

  </td>
  <td valign=top style='width:110px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-style:none; border-width:medium; width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:109px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-style:none; border-width:medium; width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-style:none; border-width:medium; width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:114px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoFooter align=center style='text-align:center'>13</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=NoteTitle style='text-indent:.25in'>The&nbsp; following table
summarizes the valuation of our financial instruments by SFAS 157 pricing
observability levels as of December 31, 2008 (in thousands):</p>

<div align="left">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:877px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:12.6pt'>
  <td valign=top style='width:289px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'><i>&nbsp;</i></p>
  </td>
  <td colspan=7 valign=top style='width:560px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr style='height:12.6pt'>
  <td valign=top style='width:289px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'><i>&nbsp;</i></p>
  </td>
  <td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:560px;border-bottom:1.0pt solid windowtext;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><b>Fair Value Measurements at Reporting Date Using</b></p>
  </td>
 </tr>
 <tr style='height:12.6pt'>
  <td valign=top style='width:289px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'><i>&nbsp;</i></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:120px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><b><br>
  <br>
  <br>
  <br>
  Total</b></p>
  </td>
  <td valign=top style='width:5px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><b>Quoted Prices<br>
	in Active Markets for Identical Assets
  (Level I)</b></p>
  </td>
  <td valign=top style='width:10px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><b>Significant Other Observable Inputs <br>
  &nbsp;(Level II)</b></p>
  </td>
  <td valign=top style='width:12px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:115px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><b><br>
  Significant Unobservable Inputs <br>
  (Level III)</b></p>
  </td>
 </tr>
 <tr style='height:8.95pt'>
  <td valign=top style='width:289px;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left'>Assets:</p>
  </td>
  <td valign=top style='width:120px;border:medium none;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:5px;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:110px;border:medium none;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:10px;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:105px;border:medium none;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:115px;border:medium none;height:8.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left'>Cash equivalents</p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 172,589</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 172,589</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left'><b>Trading securities owned and pledged:</b></p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>U.S. government and agency securities</p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 40,401</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,876</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 26,525</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>State
  and municipal bonds</p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32,093</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,397</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20,553</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,143</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:.25in;margin-bottom:.0001pt;text-indent:-9.0pt'>Corporate obligations</p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 43,131</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,820</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 27,150</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,161</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:.25in;margin-bottom:.0001pt;text-indent:-9.0pt'>Corporate stocks</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:120px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25,460</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,094</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:115px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,366</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'>Total trading securities owned and pledged</p>
  </td>
  <td valign=top style='width:120px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 141,085</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:110px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 44,187</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 74,228</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:115px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22,670</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b>Available-for-sale
  securities:</b></p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:.25in;margin-bottom:.0001pt;text-indent:-9.0pt'>U.S. government agencies</p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,591</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,591</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>State
  and political subdivisions</p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,531</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,531</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>Mortgage-backed
  securities-<br>
  &nbsp;agency collateralized</p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,430</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,430</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>Mortgage-backed
  securities-<br>
  &nbsp;non-agency collateralized</p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,422</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,422</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in;text-indent:9.0pt'>Asset-backed securities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:120px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,423</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:115px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,423</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left'>Total available-for-sale
  securities</p>
  </td>
  <td valign=top style='width:120px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 50,397</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:110px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 39,974</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:115px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,423</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in'><b>Investments:
  </b>
  </p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in;text-indent:9.0pt'>Marketable equity securities</p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,668</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,668</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in;text-indent:9.0pt'>Mutual funds</p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23,082</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23,082</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in;text-indent:9.0pt'>U.S. government obligations</p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,132</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,123</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in;text-indent:9.0pt'>Other investments</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:120px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,678</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 90</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 419</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:115px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,169</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>Total investments</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:120px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 38,560</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25,849</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,542</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:115px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,169</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:9.0pt;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>Total</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:120px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 402,631</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 242,625</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 121,744</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:115px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 38,262</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>Liabilities:</p>
  </td>
  <td valign=top style='width:120px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  &nbsp;</td>
  <td valign=top style='width:110px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  &nbsp;</td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  &nbsp;</td>
  <td valign=top style='width:115px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left'><b>Trading securities sold, but not yet purchased:</b></p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  &nbsp;</td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  &nbsp;</td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  &nbsp;</td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>U.S. government and agency securities</p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 33,279</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 33,279</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.25in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>State
  and municipal bonds</p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 154</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 154</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:.25in;margin-bottom:.0001pt;text-indent:-9.0pt'>Corporate obligations</p>
  </td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 62,012</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 24,081</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 37,931</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:.25in;margin-bottom:.0001pt;text-indent:-9.0pt'>Corporate stocks</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:120px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,489</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,489</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:1.0in;margin-bottom:.0001pt;text-indent:-1.0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:115px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:9.0pt;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>Total</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:120px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 98,934</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:110px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 60,849</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 38,085</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:115px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='width:120px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  &nbsp;</td>
  <td valign=top style='width:110px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  &nbsp;</td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  &nbsp;</td>
  <td valign=top style='width:115px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:289px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:120px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:110px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:115px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=NoteTitle style='text-indent:.25in'>Our company's investment in a convertible promissory note
issued by FSI Group, LLC (&quot;FSI&quot;) and U.S. government securities used to fund
our venture capital activities in qualified Missouri business are classified as
held-to-maturity and included in &quot;Investments&quot; in the condensed consolidated
statements of financial condition and therefore are not included in the above
analysis of fair value at March 31, 2009 and December 31, 2008. See Note 19 for
details regarding our investment in FSI.</p>

<p class=MsoFooter align=center style='text-align:center'>14</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>A reconciliation of the beginning and ending balances
for trading securities owned and pledged, available-for-sale securities and
investments using significant unobservable inputs as of March 31, 2009 was as
follows: (in thousands):</p>

<div align="left">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:811px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:0px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium'>

  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium'>

  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium'>

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium'>

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium'>

  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium'>

  </td>
  <td valign=top style='width:11px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium'>

  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-right-style:none; border-right-width:medium'>

  &nbsp;</td>
  <td valign=top style='border-style:none; border-width:medium; width:0px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:99px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:14px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:86px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:12px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:11px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:0px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-top-style:none; border-top-width:medium'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:99px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><b>
	<br>
	<br>
	Trading Securities Owned and Pledged</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:14px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:86px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><b><br>
  <br>
  <br>
  Available-for-Sale Securities</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:12px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;text-align:center'><b><br>
  <br>
  <br>
  <br>
  <br>
  Investments</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:11px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=center style='margin-top:0in;'><b>
  <br>
  <br>
  <br>
  <br>
  <br>
  Total</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b>Balance at December 31, 2008</b></p>
  </td>
  <td valign=top style='width:0px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22,670</b></p>
  </td>
  <td valign=top style='width:14px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:86px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,423</b></p>
  </td>
  <td valign=top style='width:12px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:82px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,169</b></p>
  </td>
  <td valign=top style='width:11px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:71px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><b>$&nbsp;&nbsp;&nbsp; 38,262</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left;
  text-indent:9.0pt'>Unrealized
  losses</p>
  </td>
  <td valign=top style='width:0px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:11px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.4in;margin-bottom:.0001pt;text-align:left;
  text-indent:-9.0pt'>Included
  in net income relating to instruments still held at the reporting date</p>
  </td>
  <td valign=top style='width:0px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>
  <br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1,105)</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>
  <br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>
  <br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (387)</p>
  </td>
  <td valign=top style='width:11px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp; (1,492)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:.4in;margin-bottom:.0001pt;text-align:left;
  text-indent:-.15in'>Included
  in other comprehensive income</p>
  </td>
  <td valign=top style='width:0px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 279</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:11px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 279</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left;
  text-indent:9.0pt'>Realized
  gains (losses)</p>
  </td>
  <td valign=top style='width:0px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=bottom style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=bottom style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=bottom style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=bottom style='width:11px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=bottom style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:19.8pt;margin-bottom:.0001pt;text-align:left;
  text-indent:-.15in'>Purchases,
  sales, issuances, and settlements</p>
  </td>
  <td valign=top style='width:0px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=bottom style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle align=right style='margin-top:0in;text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,825</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium' align="right">

  </td>
  <td valign=bottom style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (2,367)</p>
  </td>
  <td valign=bottom style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium' align="right">

  </td>
  <td valign=bottom style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 268</p>
  </td>
  <td valign=bottom style='width:11px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium' align="right">

  </td>
  <td valign=bottom style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 726</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left;
  text-indent:9.0pt'>Transfers out of Level III</p>
  </td>
  <td valign=top style='width:0px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-right-style:none; border-right-width:medium' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-style:none; border-width:medium; width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-left-style:none; border-left-width:medium; border-right-style:none; border-right-width:medium' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-style:none; border-width:medium; width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-left-style:none; border-left-width:medium; border-right-style:none; border-right-width:medium' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (19)</p>
  </td>
  <td valign=top style='border-style:none; border-width:medium; width:11px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-left-style:none; border-left-width:medium' align="right" bgcolor="#FFCC99">
  <p class=NoteTitle style='margin-top:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (19)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=NoteTitle align=left style='margin-top:0in;text-align:left'><b>
	Balance at March 31, 2009</b></p>
  </td>
  <td valign=top style='width:0px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.5pt double windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b>$&nbsp;&nbsp;&nbsp; 24,400</b></p>
  </td>
  <td valign=top style='width:14px;border-top:medium none windowtext;
  border-left:medium none;border-bottom:medium none windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:86px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.5pt double windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,335</b></p>
  </td>
  <td valign=top style='width:12px;border-top:medium none windowtext;
  border-left:medium none;border-bottom:medium none windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:82px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.5pt double windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 5,031</b></p>
  </td>
  <td valign=top style='width:11px;border-top:medium none windowtext;
  border-left:medium none;border-bottom:medium none windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:71px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.5pt double windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=NoteTitle style='margin-top:0in'><b>$&nbsp;&nbsp; 37,766</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='width:0px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-top-style:none; border-top-width:medium' align="right">

  &nbsp;</td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-right-style:none; border-right-width:medium' align="right">
  &nbsp;</td>
  <td valign=top style='border-style:none; border-width:medium; width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  &nbsp;</td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-left-style:none; border-left-width:medium; border-right-style:none; border-right-width:medium' align="right">
  &nbsp;</td>
  <td valign=top style='border-style:none; border-width:medium; width:11px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  &nbsp;</td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-left-style:none; border-left-width:medium' align="right">
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:0px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:14px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:86px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:12px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:82px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:11px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:71px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The results included in
the table above are only a component of the overall trading strategies of our company.
The table above does not present Level I or Level II valued assets or
liabilities. We did not have any Level III liabilities at March 31, 2009 or December
31, 2008. The changes to our company's Level III classified instruments were
principally a result of: purchases of auction rate securities (&quot;ARS&quot;) from our
customers; principal pay-downs of our available-for-sale securities, unrealized
gains and losses; and redemptions of ARS at par during the first quarter.
Investment gains and losses of our trading securities owned and pledged and our
investments are included in our condensed consolidated statements of income as
a component of other income/(loss).</p>

<p class=MsoNormal style='margin-top:6.0pt'><b>NOTE 4</b> <b>- Trading </b><b>Securities Owned and Trading
Securities Sold, But Not Yet Purchased</b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The components of trading securities
owned and trading securities sold, but not yet purchased at March 31, 2009 and December
31, 2008, are as follows (in thousands):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:777px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:11.7pt'>
  <td width=212 valign=top style='width:159.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:11.7pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=229 colspan=3 valign=bottom style='width:171.4pt;padding:0in 5.4pt 0in 5.4pt;
  height:11.7pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:31px;height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=bottom style='width:261px;height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr style='height:11.7pt'>
  <td width=212 valign=top style='width:159.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:11.7pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=229 colspan=3 valign=bottom style='width:171.4pt;padding:0in 5.4pt 0in 5.4pt;
  height:11.7pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>2009</b></p>
  </td>
  <td valign=top style='width:31px;height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:261px;border-bottom:1.0pt solid windowtext;height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'>2008</p>
  </td>
 </tr>
 <tr style='height:11.7pt'>
  <td width=212 valign=top style='width:159.0pt;padding:0in 5.4pt 0in 5.4pt;
  height:11.7pt'>
  <p class=MsoNormal><b><br>
  <br>
  Securities,
  at fair value</b></p>
  </td>
  <td width=103 valign=bottom style='width:76.9pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt;height:11.7pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Owned</b></p>
  </td>
  <td width=22 valign=top style='width:16.8pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:11.7pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=104 valign=top style='width:77.7pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt;height:11.7pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Sold, But<br>
  Not
  Yet<br>
  Purchased</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:31px;border-top:1.0pt solid windowtext;
  height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:
  1.0pt solid windowtext;height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Owned</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:24px;border-top:1.0pt solid windowtext;
  height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:126px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Sold, But<br>
  Not
  Yet<br>
  Purchased</b></p>
  </td>
 </tr>
 <tr>
  <td width=212 valign=top style='width:159.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>U.S. government
  obligations</p>
  </td>
  <td width=103 valign=top style='width:76.9pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 83,217</b></p>
  </td>
  <td width=22 valign=top style='width:16.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=104 valign=top style='width:77.7pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 92,707</b></p>
  </td>
  <td valign=top style='width:31px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 40,401</p>
  </td>
  <td valign=top style='width:24px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 33,279</p>
  </td>
 </tr>
 <tr>
  <td width=212 valign=top style='width:159.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>State
  and municipal bonds</p>
  </td>
  <td width=103 valign=top style='width:76.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>55,722</b></p>
  </td>
  <td width=22 valign=top style='width:16.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=104 valign=top style='width:77.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>305</b></p>
  </td>
  <td valign=top style='width:31px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32,093</p>
  </td>
  <td valign=top style='width:24px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:126px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 154</p>
  </td>
 </tr>
 <tr>
  <td width=212 valign=top style='width:159.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Corporate
  obligations</p>
  </td>
  <td width=103 valign=top style='width:76.9pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>270,552</b></p>
  </td>
  <td width=22 valign=top style='width:16.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=104 valign=top style='width:77.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>163,572</b></p>
  </td>
  <td valign=top style='width:31px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 43,131</p>
  </td>
  <td valign=top style='width:24px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:126px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 62,012</p>
  </td>
 </tr>
 <tr>
  <td width=212 valign=top style='width:159.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Corporate
  stocks</p>
  </td>
  <td width=103 valign=top style='width:76.9pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>17,604</b></p>
  </td>
  <td width=22 valign=top style='width:16.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=104 valign=top style='width:77.7pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>4,100</b></p>
  </td>
  <td valign=top style='width:31px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25,460</p>
  </td>
  <td valign=top style='width:24px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:126px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,489</p>
  </td>
 </tr>
 <tr>
  <td width=212 valign=top style='width:159.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=103 valign=top style='width:76.9pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp; 427,095</b></p>
  </td>
  <td width=22 valign=top style='width:16.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=104 valign=top style='width:77.7pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp; 260,684</b></p>
  </td>
  <td valign=top style='width:31px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp; 141,085</p>
  </td>
  <td valign=top style='width:24px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:126px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 98,934</p>
  </td>
 </tr>
 <tr>
  <td width=212 valign=top style='width:159.0pt;height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  <p class="MsoNormal">&nbsp;</td>
  <td width=103 valign=top style='width:76.9pt;height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class="MsoNormal">&nbsp;</td>
  <td width=22 valign=top style='width:16.8pt;height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class="MsoNormal">&nbsp;</td>
  <td width=104 valign=top style='width:77.7pt;height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class="MsoNormal">&nbsp;</td>
  <td valign=top style='width:31px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; height:11.7pt'>

  <p class="MsoNormal">&nbsp;</td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; height:11.7pt'>
  <p class="MsoNormal">&nbsp;</td>
  <td valign=top style='width:24px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; height:11.7pt'>

  <p class="MsoNormal">&nbsp;</td>
  <td valign=top style='width:126px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; height:11.7pt'>
  <p class="MsoNormal">&nbsp;</td>
 </tr>
 <tr>
  <td width=212 valign=top style='width:159.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=103 valign=top style='width:76.9pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=22 valign=top style='width:16.8pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=104 valign=top style='width:77.7pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:31px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:24px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:126px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We pledge securities
owned as collateral to counterparties who have the ability to repledge the
collateral, therefore, we have reported the pledged securities under the
caption &quot;Trading securities owned and pledged, at fair value&quot; in the condensed consolidated
statements of financial condition.</p>

<p class=MsoFooter align=center style='text-align:center'>15</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt'><b>NOTE 5</b><b> - </b><b>Available-for-Sale Securities and
Held-to-Maturity Securities</b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following tables provide a summary of
the amortized cost and fair values of Stifel Bank's available-for-sale
securities and held-to-maturity securities at March 31, 2009 and December 31,
2008 (in thousands):</p>

<div align="left">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:844px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:9.85pt'>
  <td valign=top style='width:344px;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=4 valign=top style='width:472px;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr style='height:9.85pt'>
  <td valign=top style='width:344px;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=4 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:472px;border-bottom:1.0pt solid windowtext;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>March 31, 2009</b></p>
  </td>
 </tr>
 <tr style='height:35.05pt'>
  <td valign=top style='width:344px;height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:12.0pt;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:123px;border-bottom:1.0pt solid windowtext;
  height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>
  <br>
  <br>
  Amortized Cost</b></p>
  </td>
  <td valign=top style='width:99px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Gross Unrealized Gains</b></p>
  </td>
  <td valign=top style='width:101px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Gross Unrealized Losses</b></p>
  </td>
  <td valign=top style='width:107px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  <br>
  Fair Value</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><b>Available-for-sale:</b></p>
  </td>
  <td valign=top style='width:123px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>U.S. government agencies</p>
  </td>
  <td valign=top style='width:123px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,994</p>
  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 53</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,047</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='text-align:left;text-indent:0in'>State and political subdivisions</p>
  </td>
  <td valign=top style='width:123px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,511</p>
  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 27</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,538</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>Mortgage-backed
  securities-agency collateralized</p>
  </td>
  <td valign=top style='width:123px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,589</p>
  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (227)</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,362</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>Mortgage-backed
  securities-non-agency collateralized</p>
  </td>
  <td valign=top style='width:123px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22,679</p>
  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (3,694)</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18,985</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>Corporate
  bonds</p>
  </td>
  <td valign=top style='width:123px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,481</p>
  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (125)</p>
  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,360</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Asset-backed
  securities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:123px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,097</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:99px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (771)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,335</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:123px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>$&nbsp;&nbsp;&nbsp; 58,351</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:99px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 93</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp; (4,817)</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 53,627</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:123px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:99px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><b>Held-to-maturity:</b></p>
  </td>
  <td valign=top style='width:123px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:99px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>Asset-backed
  securities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:123px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,574</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:99px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,574</b></p>
  </td>
 </tr>
 </table>



</div>
<div align="left">



<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:848px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:9.85pt'>
  <td valign=top style='width:344px;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium'>
  <p class=Notes style='text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=4 valign=top style='width:476px;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr style='height:9.85pt'>
  <td valign=top style='border-style:none; border-width:medium; width:344px;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td colspan=4 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:476px;border-bottom:medium none windowtext;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
 <tr style='height:9.85pt'>
  <td valign=top style='width:344px;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-top-style:none; border-top-width:medium'>
  <p class=Notes style='text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=4 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:476px;border-bottom:1.0pt solid windowtext;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>December 31, 2008</b></p>
  </td>
 </tr>
 <tr style='height:35.05pt'>
  <td valign=top style='width:344px;height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:12.0pt;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:125px;border-bottom:1.0pt solid windowtext;
  height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in' align="center"><b><br>
  <br>
  Amortized Cost</b></p>
  </td>
  <td valign=top style='width:95px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Gross Unrealized Gains</b></p>
  </td>
  <td valign=top style='width:102px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Gross Unrealized Losses</b></p>
  </td>
  <td valign=top style='width:113px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:35.05pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  <br>
  Fair Value</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><b>Available-for-sale:</b></p>
  </td>
  <td valign=top style='width:125px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:113px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>U.S. government agencies</p>
  </td>
  <td valign=top style='width:125px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,447</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 144</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,591</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'>State and political subdivisions</p>
  </td>
  <td valign=top style='width:125px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,513</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (1)</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,531</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>Mortgage-backed
  securities-agency collateralized</p>
  </td>
  <td valign=top style='width:125px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,821</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (391)</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 12,430</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>Mortgage-backed
  securities-non-agency collateralized</p>
  </td>
  <td valign=top style='width:125px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23,091</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (5,669)</p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17422</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Asset-backed
  securities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:125px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,400</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (977)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,423</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:125px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp; 57,272</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 163</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp; (7,038)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 50,397</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:125px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:113px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><b>Held-to-maturity:</b></p>
  </td>
  <td valign=top style='width:125px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>Asset-backed
  securities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:125px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,574</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,574</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:125px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:344px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-right-style:none; border-right-width:medium'>

  </td>
  <td valign=top style='width:125px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:113px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>During the three months
ended March 31, 2009, available-for-sale securities with an aggregate par value
of $6,500 were called by the issuing agencies or matured resulting in no gains
or losses recorded through the condensed consolidated statement of operations.
Additionally, during the three months ended March 31, 2009, Stifel Bank
received principal payments on asset-backed and mortgage-backed securities of $3,015.
During the three months ended March 31, 2009, unrealized gains, net of taxes,
of $1,372 were recorded in accumulated other comprehensive income. During the
three months ended March 31, 2008, unrealized losses, net of deferred tax
benefits, of $1,332, were recorded in accumulated other comprehensive income.</p>

<p class=MsoFooter align=center style='text-align:center'>16</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On June 30, 2008, Stifel
Bank transferred $10,000 par value asset backed security, consisting of
investment-grade trust preferred securities related primarily to banks, with an
amortized cost basis of $10,069 from its available-for-sale securities portfolio
to its held-to-maturity portfolio. This security was transferred at the
estimated fair value of $7,574. The gross unrealized loss of $2,495 included in
accumulated other comprehensive income is being amortized as an adjustment of
yield over the remaining life of the security. Amortization of $15, net of tax,
related to the unrealized loss was recorded as an adjustment of yield during
the first quarter of 2009. The estimated fair value of this held-to-maturity
security at March 31, 2009 was $6,045. The estimated fair value was determined
using several factors; however, primary weight was given to discounted cash
flow modeling techniques that incorporated an estimated discount rate based
upon recent observable debt security issuances with similar characteristics.
Based upon the results of this analysis and Stifel Bank's intent and ability to
hold this investment to maturity, we do not consider this security to be
other-than-temporarily impaired as of March 31, 2009.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The amortized cost and
fair value of available-for-sale and held-to-maturity securities at March 31,
2009 by contractual maturity, is shown below (in thousands). Expected
maturities will differ from contractual maturities because issuers may have the
right to call or prepay obligations with or without call or prepayment
penalties.</p>

<div align="left">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:745px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:258px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'><i>&nbsp;</i></p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-right:1.8pt;text-align:center;
  text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-right:1.8pt;text-align:center;
  text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-right:1.8pt;text-align:center;
  text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:258px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'><i>&nbsp;</i></p>
  </td>
  <td colspan=3 valign=top style='width:208px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Available-for-Sale</b></p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-right:1.8pt;text-align:center;
  text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=top style='width:207px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Held-to-Maturity</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:258px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'><i>&nbsp;</i></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-right:1.8pt;text-align:center;
  text-indent:0in'><b>Amortized Cost</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:7px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  Fair Value</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:14px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-right:1.8pt;text-align:center;
  text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-right:1.8pt;text-align:center;
  text-indent:0in'><b>Amortized Cost</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:4px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:86px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  Fair Value</b></p>
  </td>
 </tr>
 <tr style='height:13.9pt'>
  <td valign=top style='width:258px;height:13.9pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'><b>U.S. government and state and political agencies and
  other non-mortgage debt securities:</b></p>
  </td>
  <td valign=top style='width:94px;border:medium none;height:13.9pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:7px;border:medium none;height:13.9pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:81px;border:medium none;height:13.9pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:14px;border:medium none;height:13.9pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:90px;border:medium none;height:13.9pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:4px;border:medium none;height:13.9pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:86px;border:medium none;height:13.9pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:258px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>Within
  one year</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,306</p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,096</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:258px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='text-align:left;text-indent:0in'>One to three years</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,776</p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,143</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:258px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'>Three to five years</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,001</p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,027</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:258px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='text-align:left;text-indent:0in'>Five to ten years</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,000</p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,014</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:258px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'>Over ten years</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,574</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,045</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:258px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='text-align:left;text-indent:0in'><b>Mortgage-backed securities:</b></p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:258px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='text-align:left;text-indent:0in'>Five to ten years</p>
  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,968</p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,102</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:258px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='text-align:left;text-indent:0in'>Over twenty-five years</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25,300</p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22,245</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:86px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:258px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 58,351</b></p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>$&nbsp;&nbsp;&nbsp; 53,627</b></p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,574</b></p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:86px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 6,045</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:258px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:94px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:81px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:86px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:258px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:94px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:81px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:86px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The carrying value of
securities pledged as collateral to secure public deposits and other purposes
was $34,129 and $39,570 at March 31, 2009 and December 31, 2008, respectively. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Certain investments in
the available-for-sale portfolio at March 31, 2009 are reported in the condensed
consolidated statements of financial condition at an amount less than their
amortized cost. The total fair value of these investments at March 31, 2009 was
$47,595, which was 89% of our company's available-for-sale investment
portfolio. The amortized cost basis of these investments was $52,409 at March
31, 2009. The declines in the available-for-sale portfolio primarily resulted
from changes in interest rates, the widening of credit spreads and liquidity
issues that have had a pervasive impact on the market.</p>

<p class=MsoFooter align=center style='text-align:center'>17</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>The following table is a
summary of the amount of gross unrealized losses and the estimated fair value
by length of time that the securities have been in an unrealized loss position
at March 31, 2009 (in thousands):</p>



<div align="left">



<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:776px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:191px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-right-style:none; border-right-width:medium'>
  &nbsp;</td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:163px;border-bottom:medium none windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:181px;border-bottom:medium none windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:185px;border-bottom:medium none windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:191px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:163px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Less than 12 months</b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:181px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>12 months or more</b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:185px;border-bottom:1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Total</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:191px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:12.0pt;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Gross Unrealized Losses</b></p>
  </td>
  <td valign=top style='width:66px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  Fair Value</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Gross Unrealized Losses</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:66px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  Fair Value</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>Gross Unrealized Losses</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  Fair Value</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:191px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><b>Available-for-sale
  </b></p>
  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:66px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:66px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:69px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:191px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>Mortgage-backed
  securities-agency collateralized</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><br>
  $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><br>
  $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><br>
  $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (227)</p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><br>
  $&nbsp;&nbsp; 12,362</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><br>
  $&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (227)</p>
  </td>
  <td valign=top style='width:69px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><br>
  $&nbsp;&nbsp; 12,362</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:191px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=left style='margin-left:12.6pt;text-align:left;
  text-indent:-12.6pt'>Mortgage-backed
  securities- non-agency
  collateralized</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp; (2,828)</p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp; 9,883</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (866)</p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9,102</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (3,694)</p>
  </td>
  <td valign=top style='width:69px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><br>
&nbsp;&nbsp;&nbsp;&nbsp; 18,985</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:191px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'>Corporate
  bonds</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (125)</p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp; 10,360</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (125)</p>
  </td>
  <td valign=top style='width:69px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp; 10,360</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:191px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Asset-backed
  securities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:66px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (771)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:66px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,915</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (771)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,915</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:191px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>$&nbsp;&nbsp; (2,953)</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:66px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>$ 20,243</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>$&nbsp;&nbsp;&nbsp; (1,864)</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:66px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>$&nbsp;&nbsp; 28,379</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:102px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>$&nbsp;&nbsp;&nbsp; (4,817)</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='text-indent:0in'><b>$&nbsp;&nbsp; 48,622</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:191px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:66px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:66px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:69px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stifel Bank's investment
in a held-to-maturity asset-backed security consists of investment grade pools
of trust preferred securities related to banks. Unrealized losses were caused
primarily by: 1) widening of credit spreads; 2) illiquid markets for collateralized
debt obligations; 3) global disruptions in the credit markets; and 4) increased
supply of collateralized debt obligation secondary market securities from
distressed sellers. There have been no adverse changes to the estimated cash
flows of these securities. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stifel Bank's
available-for-sale securities and held-to-maturity security are reviewed
quarterly in accordance with its accounting policy for other-than-temporary
impairment and since the decline in fair value of the securities presented in
the table above is attributable to changes in interest rates and the widening
of credit spreads, and the liquidity issues that have had a pervasive impact on
the market and not credit quality and because we have the ability and intent to
hold these investments until a fair value recovery or maturity, we do not
consider these securities to be other-than-temporarily impaired as of March 31,
2009.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b>NOTE 6</b> - <b>Bank Loans</b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following table presents the balance
and associated percentage of each major loan category in Stifel Bank's loan
portfolio at March 31, 2009 and December 31, 2008 (in thousands, except
percentages):</p>

<div align="left">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:714px;margin-left:5.4pt;border-collapse:collapse'>
 <tr style='height:12.6pt'>
  <td valign=top style='width:334px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-right-style:none; border-right-width:medium'>
  &nbsp;</td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:165px;border-bottom:medium none windowtext;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:5px;border-bottom:medium none windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:155px;border-bottom:medium none windowtext;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
 <tr style='height:12.6pt'>
  <td valign=top style='width:334px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:165px;border-bottom:1.0pt solid windowtext;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>2009</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:5px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=2 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:155px;border-bottom:1.0pt solid windowtext;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'>2008</p>
  </td>
 </tr>
 <tr style='height:12.6pt'>
  <td valign=top style='width:334px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Balance</b></p>
  </td>
  <td valign=top style='width:60px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>%</b></p>
  </td>
  <td valign=top style='width:5px;border:medium none;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Balance</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:56px;border-bottom:1.0pt solid windowtext;
  height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>%</b></p>
  </td>
 </tr>
 <tr style='height:12.6pt' style='height:12.6pt !msorm'>
  <td valign=top style='width:334px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-align:justify'>Commercial real estate </p>
  </td>
  <td valign=top style='width:92px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 43,059</b></p>
  </td>
  <td valign=top style='width:60px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>25%</b></p>
  </td>
  <td valign=top style='width:5px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:87px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>$&nbsp;&nbsp;&nbsp;&nbsp; 41,563</p>
  </td>
  <td valign=top style='width:56px;height:12.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>22%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:334px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-align:justify'>Construction and land</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>5,977</b></p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>3%</b></p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>13,968</p>
  </td>
  <td valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>8%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:334px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-align:justify'>Commercial <sup>(1)</sup></p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>20,041</b></p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>12%</b></p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>27,538</p>
  </td>
  <td valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>15%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:334px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-align:justify'>Residential real estate</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>52,460</b></p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>30%</b></p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>55,661</p>
  </td>
  <td valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>30%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:334px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-align:justify'>Home equity lines of credit</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>29,781</b></p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>17%</b></p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>28,612</p>
  </td>
  <td valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>15%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:334px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-align:justify'>Consumer <sup>(2)</sup></p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>22,146</b></p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>13%</b></p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>19,628</p>
  </td>
  <td valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>10%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:334px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-align:justify'>Other</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>22</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:60px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>--%</b></p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>52</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:56px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>--%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:334px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:92px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>173,486</b></p>
  </td>
  <td valign=top style='width:60px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>100%</b></p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>187,022</p>
  </td>
  <td valign=top style='width:56px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>100%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:334px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-align:justify'>Unamortized loan origination costs, net of
  loan fees</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>536</b></p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>591</p>
  </td>
  <td valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:334px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='text-align:justify'>Loans in process</p>
  </td>
  <td valign=top style='width:92px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>72</b></p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>(3,896)</p>
  </td>
  <td valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:334px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-align:justify'>Allowance for loan losses</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.0pt solid msorm;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>(2,710)</b></p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none msorm; border-right:medium none msorm; border-top:medium none msorm; width:87px;border-bottom:1.0pt solid msorm;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>(2,448)</p>
  </td>
  <td valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:334px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:92px;border-bottom:1.5pt double msorm;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>$&nbsp;&nbsp;
	171,384</b></p>
  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none msorm; border-right:medium none msorm; border-top:medium none msorm; width:87px;border-bottom:1.5pt double msorm;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>$&nbsp;&nbsp; 181,269</p>
  </td>
  <td valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:334px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:92px;border:medium none msorm;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:60px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:87px;border:medium none msorm;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:56px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-left:0in;text-align:left;text-indent:0in'>
<sup>(1)</sup>&nbsp;&nbsp;&nbsp;Includes stock-secured
loans of $1,073 and $1,770 at March 31, 2009 and December 31, 2008,
respectively.<br>
<sup>(2)</sup>&nbsp;&nbsp;&nbsp;Includes stock-secured
loans of $21,568 and $18,861 at March 31, 2009 and December 31, 2008,
respectively.</p>

<p class=MsoFooter align=center style='text-align:center'>18</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>Changes in the allowance for loan losses at
Stifel Bank for the three months ended March 31, 2009 and 2008 were as follows
(in thousands):</p>

<div align="left">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0 width=576
 style='width:6.0in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=404 valign=top style='width:303.3pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=404 valign=top style='width:303.3pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>2009</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'>2008</p>
  </td>
 </tr>
 <tr>
  <td width=404 valign=top style='width:303.3pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=left style='text-align:left;text-indent:0in'><b>Allowance for loan losses, beginning of period</b></p>
  </td>
  <td width=77 valign=top style='width:.8in;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>$&nbsp;&nbsp; 2,448</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=77 valign=top style='width:.8in;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>$&nbsp;&nbsp; 1,685</b></p>
  </td>
 </tr>
 <tr>
  <td width=404 valign=top style='width:303.3pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Provision
  for loan loss charged to operations</p>
  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>533</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>135</p>
  </td>
 </tr>
 <tr>
  <td width=404 valign=top style='width:303.3pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Charge-offs:</p>
  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>&nbsp;</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=404 valign=top style='width:303.3pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='margin-left:.15in;text-indent:0in'>Commercial real estate</p>
  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>(219)</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>(253)</p>
  </td>
 </tr>
 <tr>
  <td width=404 valign=top style='width:303.3pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='margin-left:.15in;text-indent:0in'>Real estate construction loans</p>
  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>(21)</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>--</p>
  </td>
 </tr>
 <tr>
  <td width=404 valign=top style='width:303.3pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='margin-left:.15in;text-indent:0in'>Construction and land</p>
  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>(31)</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>--</p>
  </td>
 </tr>
 <tr>
  <td width=404 valign=top style='width:303.3pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt;text-align:justify;text-indent:
  .25in'>Total charge-offs</p>
  </td>
  <td width=77 valign=top style='width:.8in;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>(271)</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=77 valign=top style='width:.8in;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>(253)</p>
  </td>
 </tr>
 <tr>
  <td width=404 valign=top style='width:303.3pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes style='text-indent:0in'>Recoveries</p>
  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>--</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'>--</p>
  </td>
 </tr>
 <tr>
  <td width=404 valign=top style='width:303.3pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'><b>Allowances
  for loan losses, end of period</b></p>
  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>$&nbsp;&nbsp; 2,710</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>$&nbsp;&nbsp; 1,567</b></p>
  </td>
 </tr>
 <tr>
  <td width=404 valign=top style='width:303.3pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=77 valign=top style='width:.8in;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=77 valign=top style='width:.8in;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=404 valign=top style='width:303.3pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes style='text-indent:0in'>Net
  charge-offs to average bank loans, net outstanding</p>
  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'><b>0.12%</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=Notes align=right style='text-align:right;text-indent:0in'>0.19%</p>
  </td>
 </tr>
 <tr>
  <td width=404 valign=top style='width:303.3pt;padding:0in 5.4pt 0in 5.4pt'>
  &nbsp;</td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt'>
  &nbsp;</td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt'>

  &nbsp;</td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt'>
  &nbsp;</td>
 </tr>
 <tr>
  <td width=404 valign=top style='width:303.3pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At March 31, 2009,
Stifel Bank had $31,108 in mortgage loans held for sale. For the three months
ended March 31, 2009, Stifel Bank recognized a gain of $933 from the sale of
loans originated for sale, net of fees and costs to originate these loans. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Included in the loan
portfolio at March 31, 2009 and December 31, 2008 are impaired loans totaling $2,519
and $573, respectively, for which there are specific loss allowances of $697 and
$189, respectively. <a name="OLE_LINK8"></a><a name="OLE_LINK7">At March 31, 2009,
Stifel Bank had $2,075 of nonperforming loans, which was comprised of $1,982 in
non-accruing loans that were less than 90 days past due and $93 in non-accruing
loans that were more than 90 days past due, for which there was a specific
allowance of $986.</a>
There were no non-accruing loans and there were no accruing loans delinquent 90
days or more at December 31, 2008. Stifel Bank has no exposure to sub-prime
mortgages.
The gross interest income related to impaired loans, which would have been
recorded had these loans been current in accordance with their original terms,
and the interest income recognized on these loans during the year, were
immaterial to the condensed consolidated financial statements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At March 31, 2009 and December
31, 2008, Stifel Bank had loans outstanding to its executive officers,
directors and significant stockholders and their affiliates in the amount of $0
and $1,578, respectively, and loans outstanding to other Stifel Financial Corp.
executive officers, directors and significant stockholders and their affiliates
in the amount of $1,014 and $48, respectively. Such loans and other extensions
of credit were made in the ordinary course of business and were made on substantially
the same terms (including interest rates and collateral) as those prevailing at
the time for comparable transactions with other persons.</p>

<p class=MsoFooter align=center style='text-align:center'>19</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt'><b>NOTE 7</b> - <b>Goodwill and Intangible Assets</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The carrying amount of
goodwill and intangible assets attributable to each of our company's reportable
segments is presented in the following table (in thousands):</p>

<div align="left">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:751px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:272px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:272px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Private <br>
  Client <br>
  Group</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Equity <br>
  Capital Markets</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Fixed Income Capital Markets</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  <br>
  Stifel Bank</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:91px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  <br>
  <br>
  Total</b></p>
  </td>
 </tr>
 <tr style='height:16.6pt'>
  <td valign=top style='width:272px;height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Goodwill</b></p>
  </td>
  <td valign=top style='width:82px;border:medium none;height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:74px;border:medium none;height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:81px;border:medium none;height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:67px;border:medium none;height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:91px;border:medium none;height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:272px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Balance
  at December 31, 2008</b></p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>$&nbsp;&nbsp;&nbsp; 58,373</b></p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>$&nbsp;&nbsp;&nbsp; 41,868</b></p>
  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>$&nbsp;&nbsp;&nbsp;&nbsp; 11,352</b></p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>$&nbsp;&nbsp; 16,685</b></p>
  </td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>$&nbsp;&nbsp; 128,278</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:272px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Purchase price
  adjustments</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,049</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 868</p>
  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 217</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,134</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:272px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Balance
  at March 31, 2009</b></p>
  </td>
  <td valign=top style='width:82px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp; 60,422</b></p>
  </td>
  <td valign=top style='width:74px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp;&nbsp; 42,736</b></p>
  </td>
  <td valign=top style='width:81px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp;&nbsp; 11,569</b></p>
  </td>
  <td valign=top style='width:67px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp; 16,685</b></p>
  </td>
  <td valign=top style='width:91px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>&nbsp;&nbsp; 131,412</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:272px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:272px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Intangible
  Assets</b></p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:272px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Balance
  at December 31, 2008</b></p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 10,888</b></p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,657</b></p>
  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,085</b></p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,354</b></p>
  </td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,984</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:272px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Net additions</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,676</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,676</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:272px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Amortization of intangible assets</p>
  </td>
  <td valign=top style='width:82px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (511)</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (92)</p>
  </td>
  <td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (34)</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (97)</p>
  </td>
  <td valign=top style='width:91px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (734)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:272px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Balance
  at March 31, 2009</b></p>
  </td>
  <td valign=top style='width:82px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp; 12,053</b></p>
  </td>
  <td valign=top style='width:74px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,565</b></p>
  </td>
  <td valign=top style='width:81px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,051</b></p>
  </td>
  <td valign=top style='width:67px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,257</b></p>
  </td>
  <td valign=top style='width:91px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;&nbsp;&nbsp;&nbsp; 16,926</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:272px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:91px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:272px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:18.7pt;text-indent:-18.7pt'><b>Total goodwill and
  intangible assets</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>$&nbsp; 72,475</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;45,301</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>$&nbsp;&nbsp; 12,620</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>$&nbsp; 17,942</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:91px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><b>$&nbsp;&nbsp;&nbsp;&nbsp; &nbsp; 148,338</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:272px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium'>
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:82px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:91px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='border-style:none; border-width:medium; width:272px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:82px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:74px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:81px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:91px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The changes in goodwill
during the three months ended March 31, 2009 primarily consist of payments for
the contingent earn-out of $4,338 for the Ryan Beck acquisition and purchase price
adjustments related to our acquisition of Butler Wick on December 31, 2008.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Intangible assets
consist of acquired customer lists, core deposits, and non-compete agreements
that are amortized to expense over their contractual or determined useful
lives, as well as backlog, which is amortized against revenue as specific
transactions are closed. Intangible assets subject to amortization as of March
31, 2009 were as follows (in thousands):</p>

<div align="left">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0 width=624
 style='width:467.85pt;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=304 valign=top style='width:227.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td width=90 valign=top style='width:67.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=100 valign=top style='width:75.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=90 valign=top style='width:67.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr>
  <td width=304 valign=top style='width:227.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td width=90 valign=top style='width:67.55pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Cost</b></p>
  </td>
  <td width=20 valign=top style='width:15.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=100 valign=top style='width:75.05pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Accumulated<br>
  Amortization</b></p>
  </td>
  <td width=20 valign=top style='width:15.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=90 valign=top style='width:67.55pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Net</b></p>
  </td>
 </tr>
 <tr>
  <td width=304 valign=top style='width:227.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-align:justify'><b>Amortized intangible assets</b></p>
  </td>
  <td width=90 valign=top style='width:67.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=100 valign=top style='width:75.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=90 valign=top style='width:67.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=304 valign=top style='width:227.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:1.8pt;text-align:justify'>Customer lists</p>
  </td>
  <td width=90 valign=top style='width:67.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 21,004</p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=100 valign=top style='width:75.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 5,918</p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=90 valign=top style='width:67.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 15,086</p>
  </td>
 </tr>
 <tr>
  <td width=304 valign=top style='width:227.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt;text-align:justify'>Core deposits</p>
  </td>
  <td width=90 valign=top style='width:67.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>2,157</p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=100 valign=top style='width:75.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>901</p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=90 valign=top style='width:67.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>1,256</p>
  </td>
 </tr>
 <tr>
  <td width=304 valign=top style='width:227.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:1.8pt;text-align:justify'>Other</p>
  </td>
  <td width=90 valign=top style='width:67.55pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>2,789</p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=100 valign=top style='width:75.05pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>2,205</p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=90 valign=top style='width:67.55pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>584</p>
  </td>
 </tr>
 <tr>
  <td width=304 valign=top style='width:227.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-align:justify;text-indent:
  -13.5pt'><b>&nbsp;</b></p>
  </td>
  <td width=90 valign=top style='width:67.55pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp; 25,950</b></p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=100 valign=top style='width:75.05pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp; 9,024</b></p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=90 valign=top style='width:67.55pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp; 16,926</b></p>
  </td>
 </tr>
 <tr>
  <td width=304 valign=top style='width:227.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:15.3pt;text-align:justify;text-indent:
  -13.5pt'><b>&nbsp;</b></p>
  </td>
  <td width=90 valign=top style='width:67.55pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=100 valign=top style='width:75.05pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=90 valign=top style='width:67.55pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
</table>

</div>

<p class=MsoFooter align=center style='text-align:center'>20</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Intangible assets
subject to amortization as of December 31, 2008 were as follows (in thousands):</p>

<div align="left">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0 width=624
 style='width:6.5in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=304 valign=top style='width:227.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td width=90 valign=top style='width:67.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=100 valign=top style='width:75.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=90 valign=top style='width:67.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr>
  <td width=304 valign=top style='width:227.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td width=90 valign=top style='width:67.55pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Cost</b></p>
  </td>
  <td width=20 valign=top style='width:15.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=100 valign=top style='width:75.05pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Accumulated<br>
  Amortization</b></p>
  </td>
  <td width=20 valign=top style='width:15.0pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=90 valign=top style='width:67.7pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Net</b></p>
  </td>
 </tr>
 <tr>
  <td width=304 valign=top style='width:227.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-align:justify'><b>Amortized intangible assets</b></p>
  </td>
  <td width=90 valign=top style='width:67.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=100 valign=top style='width:75.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=90 valign=top style='width:67.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=304 valign=top style='width:227.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:1.8pt;text-align:justify'>Customer lists</p>
  </td>
  <td width=90 valign=top style='width:67.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 19,533</p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=100 valign=top style='width:75.05pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 5,371</p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=90 valign=top style='width:67.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 14,162</p>
  </td>
 </tr>
 <tr>
  <td width=304 valign=top style='width:227.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt;text-align:justify'>Core deposits</p>
  </td>
  <td width=90 valign=top style='width:67.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>2,157</p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=100 valign=top style='width:75.05pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>804</p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=90 valign=top style='width:67.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>1,353</p>
  </td>
 </tr>
 <tr>
  <td width=304 valign=top style='width:227.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:1.8pt;text-align:justify'>Other</p>
  </td>
  <td width=90 valign=top style='width:67.55pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>2,584</p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=100 valign=top style='width:75.05pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>2,115</p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=90 valign=top style='width:67.7pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>469</p>
  </td>
 </tr>
 <tr>
  <td width=304 valign=top style='width:227.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-align:justify;text-indent:
  -13.5pt'><b>&nbsp;</b></p>
  </td>
  <td width=90 valign=top style='width:67.55pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp; 24,274</p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=100 valign=top style='width:75.05pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 8,290</p>
  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=90 valign=top style='width:67.7pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 15,984</p>
  </td>
 </tr>
 <tr>
  <td width=304 valign=top style='width:227.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:15.3pt;text-align:justify;text-indent:
  -13.5pt'><b>&nbsp;</b></p>
  </td>
  <td width=90 valign=top style='width:67.55pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=100 valign=top style='width:75.05pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=20 valign=top style='width:15.0pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=90 valign=top style='width:67.7pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Amortization expense
related to intangible assets was $734 and $825 for the three months ended March 31, 2009 and 2008,
respectively.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The weighted-average
remaining lives of the following intangible assets at March 31, 2009 are:
customer lists 6.2 years; core deposits 6.1 years; and non-compete agreements
0.9 years. As of March 31, 2009, we expect amortization expense in future
periods to be as follows (in thousands):</p>

<div align="left">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:617px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=466 valign=top style='width:4.85in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=18 valign=top style='width:13.55pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=466 valign=top style='width:4.85in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>Fiscal
  Year</b></p>
  </td>
  <td width=18 valign=top style='width:13.55pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:119px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
 </tr>
 <tr>
  <td width=466 valign=top style='width:4.85in;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-align:justify'>Remainder of 2009</p>
  </td>
  <td width=18 valign=top style='width:13.55pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 1,996</p>
  </td>
 </tr>
 <tr>
  <td width=466 valign=top style='width:4.85in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:1.8pt;text-align:justify'>2010</p>
  </td>
  <td width=18 valign=top style='width:13.55pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>2,317</p>
  </td>
 </tr>
 <tr>
  <td width=466 valign=top style='width:4.85in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt;text-align:justify'>2011</p>
  </td>
  <td width=18 valign=top style='width:13.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>2,104</p>
  </td>
 </tr>
 <tr>
  <td width=466 valign=top style='width:4.85in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:1.8pt;text-align:justify'>2012</p>
  </td>
  <td width=18 valign=top style='width:13.55pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>1,743</p>
  </td>
 </tr>
 <tr>
  <td width=466 valign=top style='width:4.85in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-align:justify;text-indent:
  -13.5pt'>2013</p>
  </td>
  <td width=18 valign=top style='width:13.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:119px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>1,575</p>
  </td>
 </tr>
 <tr>
  <td width=466 valign=top style='width:4.85in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:15.3pt;text-align:justify;text-indent:
  -13.5pt'>Thereafter</p>
  </td>
  <td width=18 valign=top style='width:13.55pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:119px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>7,191</p>
  </td>
 </tr>
 <tr>
  <td width=466 valign=top style='width:4.85in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-align:justify;text-indent:
  -13.5pt'><b>&nbsp;</b></p>
  </td>
  <td width=18 valign=top style='width:13.55pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:119px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp; 16,926</b></p>
  </td>
 </tr>
 <tr>
  <td width=466 valign=top style='width:4.85in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:15.3pt;text-align:justify;text-indent:
  -13.5pt'><b>&nbsp;</b></p>
  </td>
  <td width=18 valign=top style='width:13.55pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:119px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt'><b>NOTE 8</b> - <b>Bank Deposits</b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-indent:.25in'>Deposits consist of customer bank deposits, savings accounts
and time deposits. Deposits at March 31, 2009 and December 31, 2008 were as
follows (in thousands):</p>

<div align="left">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0
 style='width:614px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=370 valign=top style='width:3.85in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><i>&nbsp;</i></p>
  </td>
  <td width=92 valign=top style='width:68.75pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=20 valign=top style='width:15.3pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr>
  <td width=370 valign=top style='width:3.85in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><i>&nbsp;</i></p>
  </td>
  <td width=92 valign=top style='width:68.75pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>2009</b></p>
  </td>
  <td width=20 valign=top style='width:15.3pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'>2008</p>
  </td>
 </tr>
 <tr>
  <td width=370 valign=top style='width:3.85in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Demand
  deposits-non-interest bearing</p>
  </td>
  <td width=92 valign=top style='width:68.75pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 12,765</b></p>
  </td>
  <td width=20 valign=top style='width:15.3pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:113px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23,162</p>
  </td>
 </tr>
 <tr>
  <td width=370 valign=top style='width:3.85in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Demand
  deposits-interest bearing</p>
  </td>
  <td width=92 valign=top style='width:68.75pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>4,492</b></p>
  </td>
  <td width=20 valign=top style='width:15.3pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>4,258</p>
  </td>
 </tr>
 <tr>
  <td width=370 valign=top style='width:3.85in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Money
  market accounts</p>
  </td>
  <td width=92 valign=top style='width:68.75pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>421,288</b></p>
  </td>
  <td width=20 valign=top style='width:15.3pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>232,935</p>
  </td>
 </tr>
 <tr>
  <td width=370 valign=top style='width:3.85in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Savings
  accounts</p>
  </td>
  <td width=92 valign=top style='width:68.75pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>344</b></p>
  </td>
  <td width=20 valign=top style='width:15.3pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>341</p>
  </td>
 </tr>
 <tr>
  <td width=370 valign=top style='width:3.85in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Certificates
  of deposit, less than $100</p>
  </td>
  <td width=92 valign=top style='width:68.75pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>11,498</b></p>
  </td>
  <td width=20 valign=top style='width:15.3pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:113px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>13,436</p>
  </td>
 </tr>
 <tr>
  <td width=370 valign=top style='width:3.85in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Certificates
  of deposit, $100 and greater</p>
  </td>
  <td width=92 valign=top style='width:68.75pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>8,918</b></p>
  </td>
  <td width=20 valign=top style='width:15.3pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>10,666</p>
  </td>
 </tr>
 <tr>
  <td width=370 valign=top style='width:3.85in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=92 valign=top style='width:68.75pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp; 459,305</b></p>
  </td>
  <td width=20 valign=top style='width:15.3pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:113px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 284,798</p>
  </td>
 </tr>
 <tr>
  <td width=370 valign=top style='width:3.85in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=92 valign=top style='width:68.75pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=20 valign=top style='width:15.3pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:113px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td width=370 valign=top style='width:3.85in;padding:0in 5.4pt 0in 5.4pt'>

  &nbsp;</td>
  <td width=92 valign=top style='width:68.75pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  &nbsp;</td>
  <td width=20 valign=top style='width:15.3pt;padding:0in 5.4pt 0in 5.4pt'>

  &nbsp;</td>
  <td valign=top style='width:113px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>The weighted average
interest rate on deposits was 0.6% and 0.4% at March 31, 2009 and December 31,
2008, respectively.</p>

<p class=MsoFooter align=center style='text-align:center'>21</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>Scheduled maturities of
certificates of deposit at March 31, 2009 and December 31, 2008 were as follows
(in thousands):</p>

<div align="left">

<table class=MsoTableGrid border=0 cellspacing=0 cellpadding=0 width=624
 style='width:6.5in;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:12.5pt'>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt'>
  <p class=MsoNormal><i>&nbsp;</i></p>
  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr style='height:12.5pt'>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt'>
  <p class=MsoNormal><i>&nbsp;</i></p>
  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.5pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>2009</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.5pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:12.5pt'>
  <p class=MsoNormal align=center style='text-align:center'>2008</p>
  </td>
 </tr>
 <tr style='height:12.5pt'>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Certificates
  of deposit, less than $100:</b></p>
  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' bgcolor="#FFCC99">

  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' bgcolor="#FFCC99">

  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr style='height:12.5pt'>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt'>
  <p class=MsoNormal style='margin-left:15.3pt'>Within one year</p>
  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' align="right">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 7,058</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' align="right">

  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,525</p>
  </td>
 </tr>
 <tr style='height:12.55pt' style='height:12.55pt !msorm'>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.55pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt'>One to three years</p>
  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.55pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>3,088</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.55pt' align="right" bgcolor="#FFCC99">

  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.55pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3,562</p>
  </td>
 </tr>
 <tr style='height:12.5pt' style='height:12.5pt !msorm'>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.5pt'>
  <p class=MsoNormal style='margin-left:15.3pt'>Over three years</p>
  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;border:none !msorm;border-bottom:solid windowtext 1.0pt !msorm;
  padding:0in 5.4pt 0in 5.4pt !msorm;height:12.5pt' align="right">
  <p class=MsoNormal align=right style='text-align:right'><b>1,352</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.5pt' align="right">

  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;border:none !msorm;border-bottom:solid windowtext 1.0pt !msorm;
  padding:0in 5.4pt 0in 5.4pt !msorm;height:12.5pt' align="right">
  <p class=MsoNormal align=right style='text-align:right'>1,349</p>
  </td>
 </tr>
 <tr style='height:12.55pt' style='height:12.55pt !msorm'>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.55pt' bgcolor="#FFCC99">

  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt;border:none !msorm;border-bottom:double windowtext 1.5pt !msorm;
  padding:0in 5.4pt 0in 5.4pt !msorm;height:12.55pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp; 11,498</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.55pt' align="right" bgcolor="#FFCC99">

  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt;border:none !msorm;border-bottom:double windowtext 1.5pt !msorm;
  padding:0in 5.4pt 0in 5.4pt !msorm;height:12.55pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 13,436</p>
  </td>
 </tr>
 <tr style='height:12.5pt' style='height:12.5pt !msorm'>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.5pt'>
  <p class=MsoNormal><b>Certificates
  of deposit, $100 and greater:</b></p>
  </td>
  <td width=77 valign=top style='width:.8in;border:none;padding:0in 5.4pt 0in 5.4pt;
  border:none !msorm;padding:0in 5.4pt 0in 5.4pt !msorm;height:12.5pt' align="right">
  &nbsp;</td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.5pt' align="right">
  &nbsp;</td>
  <td width=77 valign=top style='width:.8in;border:none;padding:0in 5.4pt 0in 5.4pt;
  border:none !msorm;padding:0in 5.4pt 0in 5.4pt !msorm;height:12.5pt' align="right">

  </td>
 </tr>
 <tr style='height:12.5pt'>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt'>Within one year</p>
  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 6,110</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' align="right" bgcolor="#FFCC99">

  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt;
  height:12.5pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,455</p>
  </td>
 </tr>
 <tr style='height:12.55pt'>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt;
  height:12.55pt'>
  <p class=MsoNormal style='margin-left:15.3pt'>One to three years</p>
  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt;
  height:12.55pt' align="right">
  <p class=MsoNormal align=right style='text-align:right'><b>1,494</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt;
  height:12.55pt' align="right">

  </td>
  <td width=77 valign=top style='width:.8in;padding:0in 5.4pt 0in 5.4pt;
  height:12.55pt' align="right">
  <p class=MsoNormal align=right style='text-align:right'>1,949</p>
  </td>
 </tr>
 <tr style='height:12.5pt' style='height:12.5pt !msorm'>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.5pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt'>Over three years</p>
  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;border:none !msorm;border-bottom:solid windowtext 1.0pt !msorm;
  padding:0in 5.4pt 0in 5.4pt !msorm;height:12.5pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>1,314</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.5pt' align="right" bgcolor="#FFCC99">

  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;border:none !msorm;border-bottom:solid windowtext 1.0pt !msorm;
  padding:0in 5.4pt 0in 5.4pt !msorm;height:12.5pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>1,262</p>
  </td>
 </tr>
 <tr style='height:12.55pt' style='height:12.55pt !msorm'>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.55pt'>

  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt;border:none !msorm;border-bottom:double windowtext 1.5pt !msorm;
  padding:0in 5.4pt 0in 5.4pt !msorm;height:12.55pt' align="right">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 8,918</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.55pt' align="right">

  </td>
  <td width=77 valign=top style='width:.8in;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt;border:none !msorm;border-bottom:double windowtext 1.5pt !msorm;
  padding:0in 5.4pt 0in 5.4pt !msorm;height:12.55pt' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 10,666</p>
  </td>
 </tr>
 <tr style='height:12.55pt' style='height:12.55pt !msorm'>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.55pt'>

  </td>
  <td width=77 valign=top style='width:.8in;border:none;padding:0in 5.4pt 0in 5.4pt;
  border:none !msorm;padding:0in 5.4pt 0in 5.4pt !msorm;height:12.55pt'>

  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt 0in 5.4pt 0in 5.4pt !msorm;
  height:12.55pt'>

  </td>
  <td width=77 valign=top style='width:.8in;border:none;padding:0in 5.4pt 0in 5.4pt;
  border:none !msorm;padding:0in 5.4pt 0in 5.4pt !msorm;height:12.55pt'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At March 31, 2009 and December
31, 2008, the amount of deposits includes deposits of related parties,
including $417,995 and $228,653, respectively, of brokerage customer's deposits
from Stifel Nicolaus, and interest-bearing and time deposits of executive
officers, directors and significant stockholders and their affiliates of $440
and $750, respectively. Such deposits were made in the ordinary course of
business and were made on substantially the same terms (including interest
rates) as those prevailing at the time for comparable transactions with other
persons.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At March 31, 2009 and December
31, 2008, customer demand deposit overdrafts of $13 and $34, respectively, have
been recorded as &quot;Bank loans&quot; on the condensed consolidated statements of financial
condition.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b>NOTE 9</b> <b>- </b><b>Commitments and Contingencies</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><i>Concentration of Credit Risk</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We provide investment, capital-raising and related
services to a diverse group of domestic customers, including governments,
corporations, and institutional and individual investors. Our company's
exposure to credit risk associated with the non-performance of customers in
fulfilling their contractual obligations pursuant to securities transactions
can be directly impacted by volatile securities markets, credit markets and
regulatory changes. This exposure is measured on an individual customer basis
and on a group basis for customers that share similar attributes. To alleviate
the potential for risk concentrations, counterparty credit limits have been
implemented for certain products and are continually monitored in light of
changing customer and market conditions. As of March 31, 2009 and December 31,
2008, we did not have significant concentrations of credit risk with any one
customer or counterparty, or any group of customers or counterparties.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><i>Other Commitments</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In the normal course of
business, we enter into underwriting commitments. Settlement of transactions
relating to such underwriting commitments, which were open at March 31, 2009,
had no material effect on the condensed consolidated financial statements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In connection with
margin deposit requirements of The Options Clearing Corporation, we pledged
customer-owned securities valued at $69,858 to satisfy the minimum margin
deposit requirement of $56,136 at March 31, 2009. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In connection with
margin deposit requirements of the National Securities Clearing Corporation, we
deposited $32,000 in cash at March 31, 2009, which satisfied the minimum margin
deposit requirements of $11,236.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We also provide
guarantees to securities clearinghouses and exchanges under their standard
membership agreement, which requires members to guarantee the performance of
other members. Under the agreement, if another member becomes unable to satisfy
its obligations to the clearinghouse, other members would be required to meet
shortfalls. Our company's liability under these agreements is not quantifiable
and may exceed the cash and securities it has posted as collateral. However,
the potential requirement for our company to make payments under these
arrangements is considered remote. Accordingly, no liability has been
recognized for these arrangements.</p>

<p class=MsoFooter align=center style='text-align:center'>22</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have received
inquiries from the SEC, the Financial Industry
Regulatory Authority (&quot;FINRA&quot;), and several state
regulatory authorities requesting information concerning our transactions in
auction rate securities (&quot;ARS&quot;). Additionally, our company and its subsidiary
Stifel Nicolaus have been named in civil suits. See further information
regarding the civil suits in Note 10.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In the ordinary course
of business, Stifel Bank has commitments to extend credit in the form of
commitments to originate loans, standby letters of credit, and lines of credit.
See Note 13 for further details.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b>Note 10 - Legal Proceedings</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our company and its subsidiaries are named in and
subject to various proceedings and claims arising primarily from our securities
business activities, including lawsuits, arbitration claims, class actions, and
regulatory matters. Some of these claims seek substantial compensatory,
punitive, or indeterminate damages. Our company and its subsidiaries are also
involved in other reviews, investigations and proceedings by governmental and
self-regulatory organizations regarding our business which may result in
adverse judgments, settlements, fines, penalties, injunctions and other
relief.&nbsp; We are contesting the allegations in these claims, and we believe that
there are meritorious defenses in each of these lawsuits, arbitrations and
regulatory investigations. In view of the number and diversity of claims
against the company, the number of jurisdictions in which litigation is pending
and the inherent difficulty of predicting the outcome of litigation and other
claims, we cannot state with certainty what the eventual outcome of pending
litigation or other claims will be. In our opinion, based on currently
available information, review with outside legal counsel, and consideration of
amounts provided for in our consolidated financial statements with respect to
these matters, the ultimate resolution of these matters will not have a
material adverse impact on our financial position. However, resolution of one
or more of these matters may have a material effect on the results of
operations in any future period, depending upon the ultimate resolution of
those matters and depending upon the level of income for such period.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The regulatory investigations include inquiries from
the SEC, FINRA and several state regulatory authorities requesting information
concerning our activities with respect to ARS, and inquiries from the SEC and a
state regulatory authority requesting information relating to our role in
investments made by five Southeastern Wisconsin school districts (the &quot;school
districts&quot;) in transactions involving collateralized debt obligations (&quot;CDOs&quot;). We intend to cooperate fully with the SEC, FINRA
and the several states in these investigations.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Current claims include a civil lawsuit filed in the
United States District Court for the Eastern District of Missouri (the
&quot;Missouri Federal Court&quot;) on August 8, 2008 seeking class action status for
investors who purchased and continue to hold ARS offered for sale between June
11, 2003 and February 13, 2008, the date when most auctions began to fail and
the auction market froze, which alleges misrepresentation about the investment
characteristics of ARS and the auction markets (the &quot;ARS Class Action&quot;). We believe
that based upon currently available information and review with outside counsel
that we have meritorious defenses to this lawsuit, and intend to vigorously
defend all claims asserted therein.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We are also named in an action filed in the Circuit
Court of Franklin County, Missouri, on March 12, 2009, by the Missouri
Secretary of State concerning sales of ARS to our customers. The Secretary of
State seeks relief, which includes requiring us to pay restitution with
interest to those customers who purchased ARS from Stifel Nicolaus and continue
to hold ARS, disgorgement of commissions and fees earned on the ARS sales and
financial penalties. The case was removed to the United States District Court
for the Eastern District of Missouri on April 13, 2009. Furthermore, on May 7,
2009, the State Corporation Commission of the Commonwealth of Virginia filed a
Rule to Show Cause against Stifel Nicolaus with the Virginia State Corporation
Commission concerning sales of ARS to Virginia residents seeking various
remedies under the Virginia statutes, including penalties, assessments and
injunctive relief.&nbsp; We believe that, based upon currently available information
and review with outside counsel, we have meritorious defenses to these matters
and intend to vigorously defend the claims made by the Missouri Secretary of
State and Commonwealth of Virginia.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Additionally, we are named in a civil lawsuit filed in
the Circuit Court of Milwaukee, Wisconsin (the &quot;Wisconsin State Court&quot;) on
September 29, 2008. The lawsuit has been filed against our company and Stifel
Nicolaus, Royal Bank
of Canada Europe Ltd. (&quot;RBC&quot;) and certain other
RBC entities by the school districts and the individual trustees for other
post-employment benefit (&quot;OPEB&quot;) trusts established
by those school districts (the &quot;Plaintiffs&quot;). The suit was removed to the
United States District Court for the Eastern District of Wisconsin (the
&quot;Wisconsin Federal Court&quot;) on October 31, 2008. On April 10, 2009, the
Wisconsin Federal Court issued an order remanding the case to the Wisconsin
State Court on the basis that it did not have subject matter jurisdiction over
the suit. </p>

<p class=MsoFooter align=center style='text-align:center'>23</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The suit arises out of the purchase of certain CDOs by
the OPEB trusts. The RBC entities structured and served as &quot;arranger&quot; for the
CDOs. We served as placement agent/broker in connection with the OPEB trusts
purchase of the investments. The total amount of the investments made by the
OPEB trusts was $200,000. Plaintiffs assert that the school districts
contributed $37,500 to the OPEB trusts to purchase the investments. The balance
of $162,500 used to purchase the investments was borrowed by the OPEB trusts.
The recourse of the lender is the OPEB trust assets and the moral obligation of
the school districts. The legal claims asserted include violation of the Wisconsin
Securities Act, fraud and negligence. The lawsuit seeks equitable relief,
unspecified compensatory damages, treble damages, punitive damages and
attorney's fees and costs. The Plaintiffs claim that the RBC entities and our company
either made misrepresentations or failed to disclose material facts in
connection with the sale of the CDOs in violation of the Wisconsin Securities
Act. We believe the Plaintiffs reviewed and understood the relevant offering
materials and that the investments were suitable based upon, among other
things, our receipt of a written acknowledgement of risks from the Plaintiffs. We
believe, based upon currently available information and review with outside
counsel, that we have meritorious defenses to this lawsuit, and intend to vigorously
defend all of the Plaintiffs' claims.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Several large banks and brokerage firms, most of which
were the primary underwriters of, and supported the auctions for, ARS have
announced agreements, usually as part of a regulatory settlement, to repurchase
ARS at par from some of their clients. Other brokerage firms have entered into
similar agreements. We are, in conjunction with other industry participants,
actively seeking solutions to ARS' illiquidity, which may include the restructuring
and refinancing of those ARS. Should issuer redemptions and refinancings
continue, our clients' holdings could be reduced further; however, there can be
no assurance these events will continue.</p>

<p class=Default style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On April 9, 2009, we announced that Stifel Nicolaus
was providing its clients with details on how they can participate in the previously
announced voluntary repurchase plan of eligible ARS purchased at Stifel Nicolaus
prior to the collapse of the ARS market in February 2008. The voluntary plan
will, upon acceptance by clients, contractually obligate us to repurchase up to
100 percent of eligible ARS. We estimate that our retail clients held approximately
$172,000 of eligible ARS as of April 30, 2009.</p>

<p class=Default style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In the voluntary program's first phase, we are
offering to repurchase at par the greater of ten percent or twenty-five
thousand dollars of eligible ARS. We anticipate that this initial repurchase
will be completed by June 30, 2009. After the initial repurchases, the
voluntary plan provides for additional repurchases from eligible investors
during each of the next three years, as follows: (i) the greater of ten percent
or twenty-five thousand dollars to be completed by June 30, 2010; (ii) the
greater of ten percent or twenty-five thousand dollars to be completed by June
30, 2011; and (iii) the balance of outstanding ARS to be repurchased by June
30, 2012.</p>

<p class=Default style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On April 17, 2009, counsel for the putative class in
the ARS Class Action filed a motion for a temporary restraining order seeking a
court order from the Missouri Federal Court requiring Stifel Nicolaus to make
additional disclosures to its clients regarding its voluntary repurchase plan
and to delay the date upon which clients are required to accept the offer
(currently May 15, 2009) until the nature and extent of the disclosure has been
determined. Stifel Nicolaus opposed the request and the Court denied the motion
on April 29, 2009.</p>

<p class=Default style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have recorded a liability for our estimated
exposure to the voluntary repurchase plan based upon a net present value calculation,
which is subject to change and future events, including redemptions. ARS redemptions
have been at par and we believe will continue to be at par over the voluntary
repurchase period. Future periods' results may be affected by changes in
estimated redemption rates or changes in fair value of ARS.</p>

<p class=MsoFooter align=center style='text-align:center'>24</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b>NOTE 11</b> - <b>Regulatory Capital
Requirements</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Broker-dealers may be
prohibited from expanding their business and declaring cash dividends. A
broker-dealer that fails to comply with the Uniform Net Capital Rule may be
subject to disciplinary actions by the SEC and self-regulatory organization,
such as FINRA, including censures, fines, suspension, or expulsion. Stifel
Nicolaus and Butler Wick have chosen to calculate their net capital under the
alternative method, which prescribes that their net capital shall not be less
than the greater of $1,000 and $250, respectively, or two percent of aggregate
debit balances (primarily receivables from customers) computed in accordance
with the SEC's Customer Protection Rule (Rule 15c3-3). CSA calculates its net
capital under the aggregate indebtedness method whereby its aggregate
indebtedness may not be greater than fifteen times its net capital (as
defined). CSA has consistently operated in excess of their capital adequacy
requirements. The only restriction with regard to the payment of cash dividends
by our company is its ability to obtain cash through dividends and advances
from its subsidiaries, if needed. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At March 31, 2009,
Stifel Nicolaus had net capital of $163,323, which was 49.5% of aggregate debit
items and $156,726 in excess of its minimum required net capital. CSA had net
capital of $2,345, which was $2,055 in excess of minimum required net capital.
Butler Wick had net capital of $6,127, which was $5,877 in excess of its minimum
required net capital.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our international
subsidiary, SN Ltd, is subject to the regulatory supervision and requirements
of the Financial Services Authority (&quot;FSA&quot;) in the United Kingdom. At March 31,
2009, SN Ltd's capital and reserves were $7,939, which was $7,561 in excess of the financial resources
requirement under the rules of the FSA.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our company, as a bank
holding company, and Stifel Bank are subject to various regulatory capital
requirements administered by the Federal Reserve Board and the Missouri State
Division of Finance, respectively. Additionally, Stifel Bank is regulated by
the Federal Depository Insurance Corporation (&quot;FDIC&quot;). Failure to meet minimum
capital requirements can initiate certain mandatory, and possibly additional
discretionary, actions by regulators that, if undertaken, could have a direct
material effect on our company's and Stifel Bank's financial results. Under
capital adequacy guidelines and the regulatory framework for prompt corrective
action, our company and Stifel Bank must meet specific capital guidelines that
involve quantitative measures of our assets, liabilities, and certain
off-balance-sheet items as calculated under regulatory accounting practices. Our
company's and Stifel Bank's capital amounts and classification are also subject
to qualitative judgments by the regulators about components, risk weightings,
and other factors.</p>

<p class=MsoFooter align=center style='text-align:center'>25</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Quantitative measures
established by regulation to ensure capital adequacy require our company, as a
bank holding company, and Stifel Bank to maintain minimum amounts and ratios of
total and Tier 1 capital (as defined in the regulations) to risk-weighted
assets (as defined), and Tier 1 capital to average assets (as defined).
Management believes, as of March 31, 2009, that our company and Stifel Bank
meet all capital adequacy requirements to which they are subject and are
considered to be categorized as &quot;well capitalized&quot; under the regulatory
framework for prompt corrective action. To be categorized as &quot;well capitalized,&quot;
our company and Stifel Bank must maintain total risk-based, Tier 1 risk-based
and Tier 1 leverage ratios as set forth in the tables below.</p>
<p class=MsoNormal style='margin-top:6.0pt;text-align:left;text-indent:0in'><b>Stifel
Financial Corp. - Federal Reserve Capital
Amounts</b></p>
<div align="left">

<table class=MsoTableGrid border=0 cellpadding=0
 style='width:1000px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:17.1pt'>
  <td valign=top style='width:327px;height:17.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><i>&nbsp;</i></p>
  </td>
  <td colspan=3 valign=top style='width:184px;height:17.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='width:4px;height:17.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=3 valign=top style='width:141px;height:17.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='width:8px;height:17.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=3 valign=top style='width:159px;height:17.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
 </tr>
 <tr style='height:43.65pt'>
  <td valign=top style='width:327px;height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:184px;border-bottom:1.0pt solid windowtext;height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><u>
  <br>
  <br>
  <br>
  </u>Actual</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:4px;border-bottom:1.0pt solid windowtext;
  height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:141px;border-bottom:1.0pt solid windowtext;height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><u><br>
  </u>
  <br>
  For Capital Adequacy Purposes</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:8px;border-bottom:1.0pt solid windowtext;
  height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:159px;border-bottom:1.0pt solid windowtext;height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>To Be Well Capitalized Under Prompt Corrective Action Provisions</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:327px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:83px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b>Amount</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:7px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:52px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b>Ratio</b></p>
  </td>
  <td valign=top style='width:4px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:59px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b>Amount</b></p>
  </td>
  <td valign=top style='width:4px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:51px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b>Ratio</b></p>
  </td>
  <td valign=top style='width:8px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:66px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b>Amount</b></p>
  </td>
  <td valign=top style='width:4px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:83px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b>Ratio</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:327px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>Total capital to
	risk-weighted assets</p>
  </td>
  <td valign=top style='width:83px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:
  0in'>$ 532,119</p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:52px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:
  0in'> 51.2%</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:59px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$ 83,083</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:51px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>8.0%</p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:66px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$103,853</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>10.0%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:327px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>Tier 1 capital to
	risk-weighted assets</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='margin-top:6.0pt;text-indent:
  0in'>$ 529,409</p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:52px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'> 51.0%</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:59px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$41,541</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:51px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>4.0%</p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$&nbsp;&nbsp; 62,312</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>6.0%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:327px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>Tier 1 capital to
	adjusted average total assets</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:
  0in'>$ 529,409</p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:52px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'> 32.3%</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:59px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$65,543</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:51px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>4.0%</p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$&nbsp;&nbsp; 81,928</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>5.0%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:327px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:52px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:59px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:51px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:327px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:52px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:59px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:51px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;'><b>Stifel Bank - Federal Reserve Capital
Amounts</b></p>
<div align="left">

<table class=MsoTableGrid border=0 cellpadding=0
 style='width:1000px;margin-left:.1in;border-collapse:collapse' id="table1">
 <tr style='height:17.1pt'>
  <td valign=top style='width:351px;height:17.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><i>&nbsp;</i></p>
  </td>
  <td colspan=3 valign=top style='width:160px;height:17.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='width:4px;height:17.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=3 valign=top style='width:141px;height:17.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='width:8px;height:17.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=3 valign=top style='width:159px;height:17.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><i>&nbsp;</i></b></p>
  </td>
 </tr>
 <tr style='height:43.65pt'>
  <td valign=top style='width:351px;height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:160px;border-bottom:1.0pt solid windowtext;height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><u>
  <br>
  <br>
  <br>
  </u>Actual</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:4px;border-bottom:1.0pt solid windowtext;
  height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:141px;border-bottom:1.0pt solid windowtext;height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b><br>
  <br>
  For Capital Adequacy Purposes</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:8px;border-bottom:1.0pt solid windowtext;
  height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:159px;border-bottom:1.0pt solid windowtext;height:43.65pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='text-align:center;text-indent:0in'><b>To Be Well Capitalized Under Prompt Corrective Action Provisions</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:351px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:59px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b>Amount</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:7px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:52px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b>Ratio</b></p>
  </td>
  <td valign=top style='width:4px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:59px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b>Amount</b></p>
  </td>
  <td valign=top style='width:4px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:51px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b>Ratio</b></p>
  </td>
  <td valign=top style='width:8px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:66px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b>Amount</b></p>
  </td>
  <td valign=top style='width:4px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:83px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes align=center style='margin-top:6.0pt;text-align:center;
  text-indent:0in'><b>Ratio</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:351px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>Total capital to
	risk-weighted assets</p>
  </td>
  <td valign=top style='width:59px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:
  0in'>$ 53,908</p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:52px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:
  0in'> 17.5%</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:59px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$ 24,363</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:51px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>8.0%</p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:66px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$&nbsp; 30,795</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>10.0%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:351px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>Tier 1 capital to
	risk-weighted assets</p>
  </td>
  <td valign=top style='width:59px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='margin-top:6.0pt;text-indent:
  0in'>$ 51,198</p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:52px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'> 16.6%</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:59px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$ 12,318</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:51px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>4.0%</p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$&nbsp; 18,477</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>6.0%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:351px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>Tier 1 capital to
	adjusted average total assets</p>
  </td>
  <td valign=top style='width:59px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:
  0in'>$ 51,198</p>
  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:52px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'> 10.7%</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:59px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$ 19,154</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:51px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>4.0%</p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes style='margin-top:6.0pt;text-indent:0in'>$&nbsp; 23,943</p>
  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=Notes align=right style='margin-top:6.0pt;text-align:right;
  text-indent:0in'>5.0%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:351px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:59px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:52px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:59px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:51px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:351px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:59px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:7px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:52px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:59px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:51px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;'>&nbsp;</p>

<p class=MsoFooter align=center style='text-align:center'>26</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt'><b>NOTE 12</b> - <b>Stock-Based Compensation Plans</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We maintain several
incentive stock award plans that provide for the granting of stock options,
stock appreciation rights, restricted stock, performance awards and stock units
to our employees. Awards under our company's incentive stock award plans are
granted at market value at the date of grant. Options expire ten years from the
date of grant. The awards generally vest ratably over a three- to eight-year
vesting period.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>All stock-based
compensation plans are administered by the Compensation Committee of the Board
of Directors of the Parent, which has the authority to interpret the plans,
determine to whom awards may be granted under the plans, and determine the
terms of each award. According to these plans, we are authorized to grant an additional
5,988,009 shares at March 31, 2009.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stock-based compensation
expense included in &quot;Employee compensation and benefits&quot; in the condensed consolidated
statements of operations for our company's incentive stock award plans was $12,708
and $11,650 for the three months ended March 31, 2009 and 2008, respectively.
The related income tax benefit recognized in income was $9,597 and $5,957 for
the three months ended March 31, 2009 and 2008, respectively.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><i>Stock Options</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have substantially
eliminated the use of stock options as a form of compensation. During the three
months ended March 31, 2009, no options were granted. As of March 31, 2009,
there were 1,156,925 options outstanding at a weighted-average exercise price
of $8.36 and a weighted-average contractual life of 3.54 years. As of March 31,
2009, there was $595 of unrecognized compensation cost related to non-vested
option awards. The cost is expected to be recognized over a weighted-average
period of 1.55 years. We received $1,169 in cash from the exercise of stock
options during the three months ended March 31, 2009.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><i>Stock Units</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>A stock unit represents
the right to receive a share of common stock from our company at a designated
time in the future without cash payment by the employee and is issued in lieu
of cash incentive, principally for deferred compensation and employee retention
plans. At March 31, 2009, the total number of stock units outstanding was 6,189,545.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>A summary of the status
of our company's nonvested stock units as of March 31, 2009 and changes during the three
months ended March 31, 2009 is presented below:</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:552px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:13.95pt'>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt;
  height:13.95pt'>
  <p class=MsoNormal><i>&nbsp;</i></p>
  </td>
  <td width=92 valign=top style='width:68.7pt;padding:0in 5.4pt 0in 5.4pt;
  height:13.95pt'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=bottom style='width:15px;height:13.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=bottom style='width:107px;height:13.95pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
 </tr>
 <tr style='height:47.0pt'>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt;
  height:47.0pt'>
  <p class=MsoNormal><br>
  <br>
  <br>
  <b>Stock Units</b></p>
  </td>
  <td width=92 valign=top style='width:68.7pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:47.0pt'>
  <p class=MsoNormal align="center"><b><br>
  <br>
  <br>
  Shares</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:15px;border-bottom:
  1.0pt solid windowtext;height:47.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:
  1.0pt solid windowtext;height:47.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Weighted Average
  Grant-Date Fair Value</b></p>
  </td>
 </tr>
 <tr>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Nonvested
  at beginning of year </p>
  </td>
  <td width=92 valign=top style='width:68.7pt;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>4,427,974</p>
  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  &nbsp;</td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-indent:.15in'>Granted</p>
  </td>
  <td width=92 valign=top style='width:68.7pt;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>890,538</p>
  </td>
  <td valign=top style='width:15px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:107px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; $ 36.65</p>
  </td>
 </tr>
 <tr>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='text-indent:.15in'>Converted</p>
  </td>
  <td width=92 valign=top style='width:68.7pt;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>(860,240)</p>
  </td>
  <td valign=top style='width:15px;border-bottom-style:none; border-bottom-width:medium; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  &nbsp;</td>
  <td valign=top style='width:107px;border-bottom-style:none; border-bottom-width:medium; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-indent:.15in'>Cancelled</p>
  </td>
  <td width=92 valign=top style='width:68.7pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p class=MsoNormal>--</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:15px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Nonvested
  at end of year</p>
  </td>
  <td width=92 valign=top style='width:68.7pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>4,458,272</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:15px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:107px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=334 valign=top style='width:250.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=92 valign=top style='width:68.7pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:15px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:107px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><i>Deferred Compensation
Plans</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our company's Deferred Compensation
Plan (the &quot;Plan&quot;) is provided to certain revenue producers, officers, and key
administrative employees, whereby a certain percentage of their incentive
compensation is deferred as defined by the Plan into company stock units with a
25% matching contribution by our company. Participants may elect to defer up to
an additional 15% of their incentive compensation with a 25% matching
contribution. Units generally vest over a three- to five-year period and are
distributable upon vesting or at future specified dates. Deferred compensation
costs are amortized on a straight-line basis over the vesting period. Elective
deferrals are 100% vested. We charged $9,055 and $8,330 to &quot;Employee compensation and
benefits&quot; for the three months ended March 31, 2009 and 2008, respectively,
relating to units granted under this Plan. As of March 31, 2009, there were 2,658,779 units outstanding
under the Plan.</p>

<p class=MsoFooter align=center style='text-align:center'>27</p>

<div class=MsoNormal align=center style='text-align:center'>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Additionally, Stifel
Nicolaus maintains a deferred compensation plan for its financial advisors who
achieve certain levels of production, whereby a certain percentage of their
earnings are deferred as defined by the plan, of which 50% is deferred into company
stock units with a 25% matching contribution and 50% earns a return based on
optional investments chosen by financial advisors. Financial advisors may elect
to defer an additional 1% of earnings into company stock units with a 25%
matching contribution. Financial advisors may choose to base their return on
the performance of an index mutual fund as designated by our company or a fixed
income option. Financial advisors have no ownership in the mutual funds.
Included on the condensed consolidated statements of financial condition under
the caption &quot;Investments&quot; are $21,599 and $23,082 at March 31, 2009 and December 31, 2008,
respectively, in mutual funds that were purchased by our company to
economically hedge, on an after-tax basis, its liability to the financial
advisors who choose to base the performance of their return on the index mutual
fund option. At
March 31, 2009 and December 31, 2008, the deferred compensation liability of $17,298
and $19,580, respectively, is included in &quot;Accrued employee compensation&quot; on
the condensed consolidated statements of financial condition.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition, certain
financial advisors, upon joining our company, may receive company stock units
in lieu of transition cash payments. Deferred compensation related to this plan
generally cliff vests over a five to eight-year period. Deferred compensation
costs are amortized on a straight-line basis over the deferral period. Charges to &quot;Employee
compensation and benefits&quot; related to these plans were $3,391 and $2,996 for the
three months ended March 31, 2009 and 2008, respectively. As of March 31, 2009,
there were 2,566,210 units outstanding under the Plan.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b>NOTE 13</b> - <b>Off-Balance Sheet Credit Risk</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In the normal course of
business, we execute, settle, and finance customer and proprietary securities
transactions. These activities expose our company to off-balance sheet risk in
the event that customers or other parties fail to satisfy their obligations.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In accordance with
industry practice, securities transactions generally settle within three
business days after trade date. Should a customer or broker fail to deliver
cash or securities as agreed, we may be required to purchase or sell securities
at unfavorable market prices.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We borrow and lend
securities to finance transactions and facilitate the settlement process,
utilizing customer margin securities held as collateral. We monitor the
adequacy of collateral levels on a daily basis. We periodically borrow from
banks on a collateralized basis utilizing firm and customer margin securities
in compliance with SEC rules. Should the counterparty fail to return customer
securities pledged, we are subject to the risk of acquiring the securities at
prevailing market prices in order to satisfy our customer obligations. We
control our exposure to credit risk by continually monitoring our
counterparties' positions and, where deemed necessary, we may require a deposit
of additional collateral and/or a reduction or diversification of positions. Our
company sells securities it does not currently own (short sales) and is
obligated to subsequently purchase such securities at prevailing market prices.
We are exposed to risk of loss if securities prices increase prior to closing
the transactions. We control our exposure to price risk from short sales
through daily review and setting position and trading limits. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We manage our risks
associated with the aforementioned transactions through position and credit
limits, and the continuous monitoring of collateral. Additional collateral is
required from customers and other counterparties when appropriate.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in;
text-autospace:none'>We
have accepted collateral in connection with resale agreements, securities
borrowed transactions, and customer margin loans. Under many agreements, we are
permitted to sell or repledge these securities held as collateral and use these
securities to enter into securities lending arrangements or to deliver to
counterparties to cover short positions. At March 31, 2009, the fair value of
securities accepted as collateral where we are permitted to sell or repledge
the securities was $492,011, and the fair value of the collateral that had been
sold or repledged was $232,522. At December 31, 2008, the fair value of
securities accepted as collateral where we are permitted to sell or repledge
the securities was $432,751, and the fair value of the collateral that had been
sold or repledged was $123,415. </p>

<p class=MsoFooter align=center style='text-align:center'>28</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

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style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In the ordinary course
of business, Stifel Bank has commitments to originate loans, standby letters of
credit and lines of credit. Commitments to originate loans are agreements to
lend to a customer as long as there is no violation of any condition
established by the contract. These commitments generally have fixed expiration
dates or other termination clauses and may require payment of a fee. Since a
portion of the commitments may expire without being drawn upon, the total
commitment amounts do not necessarily represent future cash commitments. Each
customer's creditworthiness is evaluated on a case-by-case basis. The amount of
collateral obtained, if necessary, is based on the credit evaluation of the
counterparty. Collateral held varies, but may include accounts receivable,
inventory, property, plant and equipment, commercial real estate and
residential real estate. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At March 31, 2009 and December
31, 2008, Stifel Bank had outstanding commitments to originate loans
aggregating $125,516 and $86,327, respectively. The commitments extended over
varying periods of time with all commitments at March 31, 2009 scheduled to be disbursed
in the following two months. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Standby letters of
credit are irrevocable conditional commitments issued by Stifel Bank to
guarantee the performance of a customer to a third-party. Financial standby
letters of credit are primarily issued to support public and private borrowing
arrangements, including commercial paper, bond financing and similar
transactions. Performance standby letters of credit are issued to guarantee
performance of certain customers under non-financial contractual obligations.
The credit risk involved in issuing standby letters of credit is essentially
the same as that involved in extending loans to customers. Should Stifel Bank
be obligated to perform under the standby letters of credit, it may seek
recourse from the customer for reimbursement of amounts paid. At March 31, 2009
and December 31, 2008, Stifel Bank had outstanding letters of credit totaling $235
and $414, respectively. For all but one of the standby letters of credit
commitments at March 31, 2009, the expiration terms range from one month to one
year. The remaining commitment, in the amount of $10, has an expiration term of
April 2013. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Lines of credit are
agreements to lend to a customer as long as there is no violation of any
condition established in the contract. Lines of credit generally have fixed
expiration dates. Since a portion of the line may expire without being drawn
upon, the total unused lines do not necessarily represent future cash
requirements. Each customer's creditworthiness is evaluated on a case-by-case
basis. The amount of collateral obtained, if necessary, is based on the credit
evaluation of the counterparty. Collateral held varies but may include accounts
receivable, inventory, property, plant and equipment, commercial real estate
and residential real estate. Stifel Bank uses the same credit policies in
granting lines of credit as it does for on-balance sheet instruments. At March
31, 2009 and December 31, 2008, Stifel Bank had granted unused lines of credit
to commercial and consumer borrowers aggregating $35,578 and $18,153,
respectively. </p>

<p class=MsoNormal style='margin-top:6.0pt'><b>NOTE 14 - Income Taxes</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The liability for
unrecognized tax benefits was $2,138 and $2,105 as of March 31, 2009 and
December 31, 2008, respectively. The total amount of unrecognized tax benefits
that, if recognized, would affect the effective tax rate for income before
taxes are $2,138 and $2,105 at March 31, 2009 and December 31, 2008,
respectively.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We recognize the accrual
of interest and penalties related to income tax matters in the &quot;Provision for
income taxes&quot; on the condensed consolidated statements of operations. As of March
31, 2009 and December 31, 2008, accrued interest and penalties included in the
unrecognized tax benefits liability were $657 and $647, respectively.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We file income tax
returns in the U.S. federal jurisdiction and various states, and foreign
jurisdictions with varying statutes of limitation. For the U.S. and most state and foreign jurisdictions, the years 2005 through 2008 remain subject to
examination by their respective authorities. We are subject to examination by
state tax jurisdictions. It is possible that these examinations will be
resolved in the next twelve months. We do not anticipate that payments made
during the next twelve month period for these examinations will be material,
nor do we expect that the reduction to unrecognized tax benefits as a result of
a lapse of applicable statue of limitations will be significant. Our company's
foreign jurisdictions are generally fully taxable by the United States.</p>

<p class=MsoFooter align=center style='text-align:center'>29</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

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<br clear=all
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<p class=MsoNormal style='margin-top:6.0pt'><b>NOTE 15 - Segment Reporting</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We currently operate
through the following five business segments: Private Client Group; Equity Capital
Markets; Fixed Income Capital Markets; Stifel Bank; and various corporate
activities combined in the Other segment. The business segments are based upon
factors such as the services provided and the distribution channels served and
are consistent with how management assesses performance and determines how to
allocate resources throughout our company and its subsidiaries. The allocation
of resources is based on various factors, including prospects for growth,
return on investment, and return on revenues. Segment data includes charges
allocating corporate overhead and benefits to each segment. Intersegment
revenues, charges, receivables and payables are eliminated between segments
upon consolidation.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Private Client Group
segment includes branch offices and independent contractor offices of our company's
broker-dealer subsidiaries located throughout the U.S., primarily in the
Midwest and Mid-Atlantic regions with a growing presence in the Northeast,
Southeast and Western United States. These branches provide securities
brokerage services, including the sale of equities, mutual funds, fixed income
products, and insurance, as well as offering Stifel Bank banking products to
their private clients.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Equity Capital
Markets segment includes corporate finance management and participation in
underwritings (exclusive of sales credits, which are included in the Private
Client Group segment), mergers and acquisitions, institutional sales, trading,
research, and market making.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Fixed Income Capital
Markets segment includes public finance, institutional sales and competitive
underwriting, and trading.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Stifel Bank segment
includes residential, consumer, and commercial lending activities, as well as
FDIC-insured deposit accounts to customers of our broker-dealer subsidiaries
and to the general public.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Other segment
includes certain corporate activities of our company.</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-indent:.25in'>Information concerning operations in these segments of
business for the three months ended March 31, 2009 and 2008 is as follows (in
thousands):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=624
 style='width:6.5in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=400 valign=top style='width:299.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=21 valign=top style='width:15.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=400 valign=top style='width:299.7pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=95 valign=top style='width:71.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>2009</b></p>
  </td>
  <td width=21 valign=top style='width:15.85pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=95 valign=top style='width:71.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>2008</p>
  </td>
 </tr>
 <tr>
  <td width=400 valign=top style='width:299.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoHeading8 style='margin-left:0in'><b>Net Revenues: <sup>(1)</sup></b></p>
  </td>
  <td width=95 valign=top style='width:71.45pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=21 valign=top style='width:15.85pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=95 valign=top style='width:71.45pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=400 valign=top style='width:299.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Private Client Group</p>
  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 110,524</b></p>
  </td>
  <td width=21 valign=top style='width:15.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 114,853</p>
  </td>
 </tr>
 <tr>
  <td width=400 valign=top style='width:299.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Equity Capital Markets</p>
  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>47,083</b></p>
  </td>
  <td width=21 valign=top style='width:15.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>49,228</p>
  </td>
 </tr>
 <tr>
  <td width=400 valign=top style='width:299.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Fixed Income Capital Markets</p>
  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>58,389</b></p>
  </td>
  <td width=21 valign=top style='width:15.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>44,002</p>
  </td>
 </tr>
 <tr>
  <td width=400 valign=top style='width:299.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Stifel Bank</p>
  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>3,640</b></p>
  </td>
  <td width=21 valign=top style='width:15.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>2,082</p>
  </td>
 </tr>
 <tr>
  <td width=400 valign=top style='width:299.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Other</p>
  </td>
  <td width=95 valign=top style='width:71.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>345</b></p>
  </td>
  <td width=21 valign=top style='width:15.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=95 valign=top style='width:71.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>1,312</p>
  </td>
 </tr>
 <tr>
  <td width=400 valign=top style='width:299.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=95 valign=top style='width:71.45pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp; 219,981</b></p>
  </td>
  <td width=21 valign=top style='width:15.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=95 valign=top style='width:71.45pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 211,477</p>
  </td>
 </tr>
 <tr>
  <td width=400 valign=top style='width:299.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoHeading8 style='margin-left:1.8pt'><b>Income Before Income
  Taxes:</b></p>
  </td>
  <td width=95 valign=top style='width:71.45pt;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td width=21 valign=top style='width:15.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=95 valign=top style='width:71.45pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=400 valign=top style='width:299.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Private Client Group</p>
  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,460</b></p>
  </td>
  <td width=21 valign=top style='width:15.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25,605</p>
  </td>
 </tr>
 <tr>
  <td width=400 valign=top style='width:299.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Equity Capital Markets</p>
  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>5,725</b></p>
  </td>
  <td width=21 valign=top style='width:15.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>6,927</p>
  </td>
 </tr>
 <tr>
  <td width=400 valign=top style='width:299.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Fixed Income Capital Markets</p>
  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>20,309</b></p>
  </td>
  <td width=21 valign=top style='width:15.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>14,913</p>
  </td>
 </tr>
 <tr>
  <td width=400 valign=top style='width:299.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Stifel Bank</p>
  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>1,774</b></p>
  </td>
  <td width=21 valign=top style='width:15.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=95 valign=top style='width:71.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>309</p>
  </td>
 </tr>
 <tr>
  <td width=400 valign=top style='width:299.7pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Other/Unallocated Overhead</p>
  </td>
  <td width=95 valign=top style='width:71.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>(21,113)</b></p>
  </td>
  <td width=21 valign=top style='width:15.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=95 valign=top style='width:71.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(23,829)</p>
  </td>
 </tr>
 <tr>
  <td width=400 valign=top style='width:299.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=95 valign=top style='width:71.45pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 22,155</b></p>
  </td>
  <td width=21 valign=top style='width:15.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=95 valign=top style='width:71.45pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23,925</p>
  </td>
 </tr>
 <tr>
  <td width=400 valign=top style='width:299.7pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=95 valign=top style='width:71.45pt;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td width=21 valign=top style='width:15.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=95 valign=top style='width:71.45pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-left:27.0pt;text-indent:
-.25in'><sup>(1) &nbsp;&nbsp; </sup>No individual client
accounted for more than 10 percent of total net revenues for the three months
ended March 31, 2009 or 2008.</p>

<p class=MsoFooter align=center style='text-align:center'>30</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The following table
presents our company's total assets on a segment basis at March 31, 2009 and
December 31, 2008 (in thousands):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=624
 style='width:6.5in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>2009</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>2008</p>
  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoHeading8 style='margin-left:0in'><b>Total Assets:</b></p>
  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=22 valign=top style='width:16.2pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Private Client Group</p>
  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 718,974</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 625,854</p>
  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Equity Capital Markets</p>
  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>69,173</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>68,192</p>
  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Fixed Income Capital Markets</p>
  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>509,948</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>174,938</p>
  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Stifel Bank</p>
  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>521,224</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>333,784</p>
  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Other</p>
  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>195,379</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>355,377</p>
  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 2,014,698</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 1,558,145</p>
  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoHeading8 style='margin-left:1.8pt'><b>&nbsp;</b></p>
  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='text-align:justify;text-indent:.25in'>We have operations in
the United States, United Kingdom and Europe. Our company's foreign operations
are conducted through its wholly-owned subsidiary, SN Ltd. Substantially all
long-lived assets are located in the United States.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Revenues, classified by
the major geographic areas in which they are earned for the three months ended
March 31, 2009 and 2008, were as follows (in thousands):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=624
 style='width:6.5in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>2009</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>2008</p>
  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoHeading8 style='margin-left:0in'><b>Net Revenues:</b></p>
  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=22 valign=top style='width:16.2pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>United States</p>
  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp; 215,452</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp; 202,932</p>
  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>United Kingdom</p>
  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>3,074</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>5,677</p>
  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:.15in'>Other European</p>
  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>1,455</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'>2,868</p>
  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp; 219,981</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp; 211,477</p>
  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt'><b>NOTE 16</b> <b>- Other Comprehensive income</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The following table sets
forth the components of other comprehensive income for the three months ended
March 31, 2009 and 2008 (in thousands):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=624
 style='width:6.5in;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>2009</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=center style='text-align:center'>2008</p>
  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoHeading8 style='margin-left:0in'>Net income</p>
  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 13,177</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,347</p>
  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoHeading8 style='margin-left:0in'>Other comprehensive income:</p>
  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=97 valign=top style='width:72.95pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Change in unrealized
  gains (losses) on available-for-sale securities, net of tax</p>
  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><br>
  <b>1,387</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><br>
  (1,332)</p>
  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoHeading8 style='margin-left:0in'>Other comprehensive income,
  net of tax</p>
  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 14,564</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,015</p>
  </td>
 </tr>
 <tr>
  <td width=408 valign=top style='width:305.9pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td width=22 valign=top style='width:16.2pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.95pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
</table>

</div>

<p class=MsoFooter align=center style='text-align:center'>31</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal><b>NOTE
17</b> <b>-
Earnings per Share</b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following table sets forth the
computation of basic and diluted earnings per share for the three months ended
March 31, 2009 and 2008 (in thousands, except per share data):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:652px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:402px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:23px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:402px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>2009</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:23px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'>2008*</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:402px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoHeading8 style='margin-left:0in'>Net income</p>
  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 13,177</b></p>
  </td>
  <td valign=top style='width:23px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,347</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:402px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:23px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:402px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoHeading8 style='margin-left:0in'>Weighted average common
  shares outstanding during the period</p>
  </td>
  <td valign=top style='width:90px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>26,772</b></p>
  </td>
  <td valign=top style='width:23px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>23,276</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:402px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoHeading8 style='margin-left:0in'>Dilutive effect of stock
  options and units <sup>(1)</sup></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>3,426</b></p>
  </td>
  <td valign=top style='width:23px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3,369</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:402px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoHeading8 style='margin-left:0in'>Weighted average dilutive
  common shares <sup>(1) (2)</sup></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>30,198</b></p>
  </td>
  <td valign=top style='width:23px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>26,645</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:402px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:23px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:402px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Net income per share - basic</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:90px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 0.49</b></p>
  </td>
  <td valign=top style='width:23px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.61</p>
  </td>
 </tr>
 <tr style='height:2.5pt'>
  <td valign=top style='width:402px;height:2.5pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:90px;border:medium none;height:2.5pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:23px;height:2.5pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:85px;border:medium none;height:2.5pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:402px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Net income per share - diluted</p>
  </td>
  <td valign=top style='border-left:medium none msorm; border-right:medium none msorm; border-top:medium none msorm; width:90px;border-bottom:1.5pt double msorm;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 0.44</b></p>
  </td>
  <td valign=top style='width:23px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none msorm; border-right:medium none msorm; border-top:medium none msorm; width:85px;border-bottom:1.5pt double msorm;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.54</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:402px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:90px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:23px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;'>*&nbsp;&nbsp;&nbsp;&nbsp;March 31, 2008
amounts have been adjusted for the June 12, 2008 three-for-two stock split.</p>
<p class=MsoNormal style='margin-top:6.0pt;text-align:justify; '><sup>(1)</sup>&nbsp; Diluted earnings
per share is computed on the basis of the weighted average number of shares of<b>
  </b>common stock plus the effect of dilutive potential common shares outstanding
during the period using the treasury method. Diluted earnings per share include stock
options and units.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;'><sup>(2)</sup>&nbsp;&nbsp;For the three
month period ended March 31, 2009 and 2008, there were no securities excluded<b>
  </b>from the weighted average diluted common shares calculation because their
effect would be antidilutive.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b>NOTE 18</b> <b>- Stockholders' Equity</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On May 5, 2005,
the
board of directors authorized the repurchase of up to 3,000,000 additional
shares in addition to an existing authorization of 1,500,000 shares. These
purchases may be made on the open market or in privately negotiated
transactions, depending upon market conditions and other factors. Repurchased
shares may be used to meet obligations under our employee benefit plans and for
general corporate purposes. Under existing board authorizations at March 31,
2009, we are permitted to buy an additional 2,010,831 shares. During the three
months ended March 31, 2009, we issued 1,040,751 new shares for employee
benefit plans.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>During the first quarter
of 2009, we paid $9,807 related to the Ryan Beck two-year private client contingent
earn-out in 271,353 shares of our company's common stock at an average price of
$34.30 per share, with partial shares paid in cash.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b>Note 19 - Variable Interest Entities (&quot;VIE&quot;)</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>FASB Interpretation No. 46&reg; (&quot;FIN46R&quot;), &quot;Consolidation
of Variable Interest Entities (revised December 2003) - an Interpretation of
ARB No. 51&quot; applies to certain entities in which equity investors do not have
the characteristics of a controlling financial interest or do not have
sufficient equity at risk for the entity to finance its activities without
additional subordinated financial support from other parties. The primary
beneficiary of a VIE is the party that absorbs a majority of the entity's
expected losses, receives a majority of its expected residual returns or both
as a result of holding variable interests.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We determine whether we are the primary beneficiary of
a VIE by first performing a qualitative analysis of the VIE's expected losses
and expected residual returns. This analysis includes a review of, among other
factors, the VIE's capital structure, contractual terms, which interests create
or absorb variability, related party relationships and the design of the VIE.
Where qualitative analysis is not conclusive, we perform a quantitative
analysis.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Based on a quantitative and qualitative analysis of
each entity determined to be a VIE under the provisions of FIN 46R, we do not
absorb a majority of the VIEs expected losses or receive the VIE's expected
residual returns or both and therefore, are not required to consolidate any of
the VIEs described below.</p>

<p class=MsoFooter align=center style='text-align:center'>32</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;'><i>Debenture to
Stifel Financial Capital Trusts</i></p>
<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have completed private placements of cumulative
trust preferred securities through Trust II, Trust III, and Trust IV (collectively,
the &quot;Trusts&quot;). The Trusts are non-consolidated wholly-owned subsidiaries of our
company and were established for the limited purpose of issuing trust
securities to third parties and lending the proceeds to our company. The trusts
were determined to be VIEs pursuant to the provisions of FIN 46R because the
holders of the equity investment at risk do not have adequate decision making ability
over the Trust's activities.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The trust preferred securities represent an indirect
interest in junior subordinated debentures purchased from our company by the Trusts,
and we effectively provide for the full and unconditional guarantee of the
securities issued by the Trusts. We make timely payments of interest to the Trusts
as required by contractual obligations, which are sufficient to cover payments
due on the securities issued by the Trusts and believe that it is unlikely that
any circumstances would occur that would make it necessary for our company to
make payments related to these Trusts other than those required under the terms
of the debenture agreements and the trust preferred securities agreements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><i>Investment in FSI</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On April 16, 2008, we invested $12,000 in a
convertible promissory note issued by FSI, a limited liability company specializing in investing in banks, thrifts, insurance
companies, and other financial services firms. On July 1, 2008, under the terms of the note purchase agreement, we
exercised an option to increase our investment in the convertible promissory
note to $18,000. The note is convertible at our election into a 49.9% interest
in FSI at any time after the third anniversary or during the defined conversion
period. The convertible promissory note has a minimum coupon rate equal to 10%
per annum plus additional interest related to certain defined cash flows of the
business, not to exceed 18% per annum. Our company's exposure to loss is
limited to its investment. We have the discretion to make additional capital
contributions. Our company's involvement with the VIE has not had a material effect
on its consolidated financial position, operations or cash flows. Our investment
in FSI, a non-consolidated VIE, of $18,000 at March 31, 2009 is included on the
condensed consolidated statements of financial condition under the caption
&quot;Investments.&quot; See Note 3 for further discussion of our investment in FSI.</p>

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<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'><b><i><a name="ITEM_2.">ITEM 2.</a>&nbsp; MANAGEMENT'S
DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The following discussion of the financial condition
and results of operations of our company should be read in conjunction with the
Consolidated Financial Statements and Notes thereto included in our Annual
Report on Form 10-K for the year ended December 31, 2008, and the accompanying condensed
consolidated financial statements and notes thereto contained in this Quarterly
Report on Form 10-Q.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Certain statements in this report may be considered
forward-looking. Statements that are not historical or current facts, including
statements about beliefs and expectations, are forward-looking statements.
These forward-looking statements cover, among other things, statements made
about general economic and market conditions, the investment banking industry,
our objectives and results, and also may include our belief regarding the
effect of various legal proceedings, management expectations, our liquidity and
funding sources, counterparty credit risk, or other similar matters.
Forward-looking statements involve inherent risks and uncertainties, and
important factors could cause actual results to differ materially from those
anticipated, including those factors discussed below under &quot;External Factors
Impacting Our Business&quot; as well as the factors identified under &quot;Risk Factors&quot;
in Part II, Item 1A of this report. These reports are available at our web site at www.stifel.com
and at the SEC web site at www.sec.gov.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Because of
these and other uncertainties, our actual future results may be materially
different from the results indicated by these forward-looking statements. In
addition, our past results of operations do not necessarily indicate our future
results. Forward-looking statements speak
only as of the date they are made, and we undertake no obligation to update
them in light of new information or future events, unless we are obligated to
do so under federal securities laws.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Unless
otherwise indicated, the terms &quot;we,&quot; &quot;us,&quot; &quot;our&quot; or &quot;our company&quot; in this
report refer to Stifel Financial Corp. and its wholly-owned subsidiaries.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Executive Summary</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>
Stifel Financial Corp. (the &quot;Parent&quot;) through its wholly-owned
subsidiaries, principally Stifel Nicolaus &amp; Company, Incorporated (&quot;Stifel
Nicolaus&quot;), Century Securities Associates, Inc. (&quot;CSA&quot;), Stifel Nicolaus Limited
(&quot;SN Ltd&quot;), Butler Wick &amp; Company, Inc. (&quot;Butler Wick&quot;) and Stifel Bank
&amp; Trust (&quot;Stifel Bank&quot;), we are engaged in retail brokerage, securities
trading, investment banking, investment advisory, residential, consumer and
commercial banking and related financial services throughout the United States
and three European offices. Although we have offices across the United States, our major geographic area of concentration is in the Midwest and Mid-Atlantic regions
with a growing presence in the Northeast, Southwest and Western United States. Our
principal customers are individual investors, corporations, municipalities and
institutions.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We plan to maintain our
focus on revenue growth with a continued focus on developing quality
relationships with our clients. Within our private client business, our efforts
will be focused on recruiting experienced financial advisors with established
client relationships. Within our capital markets business, our focus continues
to be on providing quality client management and product diversification. In
executing our growth strategy, we take advantage of the consolidation among
middle market firms, which we believe provides us opportunities in our private
client and capital markets businesses.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On March 23, 2009, we
entered into a definitive agreement with UBS Financial Services Inc. (&quot;UBS&quot;),
which was amended May 4, 2009, to
acquire up to 58 branches from the UBS Wealth Management Americas branch
network. The transaction is structured as an asset purchase for cash at a
premium over certain balance sheet items, subject to adjustment. The closing of
the acquisition is subject to customary conditions and the approval of all
required governmental and other regulatory entities and is expected to occur
during the third quarter of 2009.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our ability to attract
and retain highly skilled and productive employees is critical to the success
of our business. Accordingly, compensation and benefits comprise the largest
component of our expenses, and our performance is dependent upon our ability to
attract, develop and retain highly skilled employees who are motivated and
committed to providing the highest quality of service and guidance to our
clients.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our overall financial
results continue to be highly and directly correlated to the direction and
activity levels of the United States equity and fixed income markets, our
expansion of the Equity Capital Markets and Fixed Income Capital Markets
segments, the continued expansion of our Private Client Group, and the
increased activity from the successful integrations of the following
acquisitions: Legg Mason (&quot;LM Capital Markets&quot;) business acquired on December 1, 2005, the acquisition
of Ryan Beck &amp; Company, Inc. (&quot;Ryan Beck&quot;) on February 28, 2007, the First
Service acquisition on April 2, 2007 and the Butler Wick acquisition on December
31, 2008. Since March 31, 2008, we have increased our number of financial
advisors and branch offices by hiring&nbsp; 225 financial advisors and opening 54
branches, of which 75 financial advisors and 17 branches were part of
our acquisition of Butler Wick on December 31, 2008. In addition, we added 95 revenue
producing investment bankers, traders, institutional sales staff and mortgage
bankers along with 246 branch and home office support staff.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>For the three months
ended March 31, 2009, our net revenues increased 4% to $220.0 million compared
to $211.5 million during the comparable period in 2008. Net income decreased 8%
to $13.2 million for the three months ended March 31, 2009 compared to $14.3
million during the comparable period in 2008. Profit margins have diminished
resulting from the increased overhead added as we took advantage of the
opportunities created by market displacement.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our revenue growth was primarily
derived from increased principal transactions; however, certain of our business
activities were impacted by the particularly challenging equity market conditions
as evidenced by the decline of our investment banking and asset management and
service fee revenues of $6.3 million and $5.4 million, respectively, from the comparable
three month period in 2008. The market turmoil has contributed to increased principal
transactions revenues for the Equity Capital Markets and Fixed Income Capital Markets
segments as institutions rebalanced their portfolios and their exposure to the
markets. Additionally, the market upheaval and the resultant failure of some
Wall Street firms have led to increased market share of institutional business
for our company. Market volatility has led to a decrease in the value of our
customers' assets and a decrease in customer margin receivables. As a result,
commissions, asset management and service fees, and margin interest income
decreased in the first quarter and may diminish in the future. Our business
does not produce predictable earnings and is affected by many risk factors such
as the global economic and credit slowdown, among others.</p>

<p class=Default style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have recorded a liability for our estimated
exposure to the voluntary repurchase plan based upon a net present value
calculation, which is subject to change and future events, including
redemptions. Auction rate securities (&quot;ARS&quot;) redemptions have been at par and we believe will continue to be at par
over the voluntary repurchase period. Future periods' results may be affected
by changes in estimated redemption rates or changes in fair value of ARS.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>External Factors
Impacting our Business</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Performance in the financial services industry in
which we operate is highly correlated to the overall strength of economic
conditions and financial market activity. Overall market conditions are a
product of many factors, which are beyond our control and mostly unpredictable.
These factors may affect the financial decisions made by investors, including
their level of participation in the financial markets. In turn, these decisions
may affect our business results. With respect to financial market activity, our
profitability is sensitive to a variety of factors, including the demand for
investment banking services as reflected by the number and size of equity and
debt financings and merger and acquisition transactions, the volatility of the
equity and fixed income markets, the level and shape of various yield curves,
the volume and value of trading in securities, and the value of our customers'
assets under management.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Although we do not
engage in any significant proprietary trading for our own account, the
inventory of securities held to facilitate customer trades and our market
making activities are sensitive to market movements. We do not have any
significant direct exposure to the sub-prime market, but are subject to market
fluctuations resulting from news and corporate events in the sub-prime mortgage
markets, associated write-downs by other financial services firms and interest
rate fluctuations. Stock prices for companies in this industry, including
Stifel Financial Corp., have been volatile as a result of reactions to the
global credit crisis and the continued volatility in the financial services
industry. We will continue to monitor our market capitalization and review for
potential goodwill asset impairment losses if events or changes in
circumstances occur that would more likely than not reduce the fair value of
the asset below its carrying amount. </p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In connection with ARS,
our broker-dealer subsidiaries have been subject to ongoing investigations,
which include inquiries from the Securities and Exchange Commission (the &quot;SEC&quot;),
the Financial Industry Regulation Authority (&quot;FINRA&quot;) and several state
regulatory agencies, with which we are cooperating fully. We are also named in
a class action lawsuit similar to that filed against a number of brokerage
firms alleging various securities law violations, which we are vigorously
defending. We are, in conjunction with other industry participants actively
seeking a solution to ARS' illiquidity. See Item 1, &quot;Legal Proceedings,&quot; in Part
II of this report for further details regarding ARS investigations and claims.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Results of Operations -
Total Company</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-indent:.25in'>The following table presents consolidated financial
information for the periods indicated (in thousands, except percentages):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:756px;margin-left:5.4pt;border-collapse:collapse'>
	<tr style='height:11.2pt'>
		<td valign=top style='border-style:none; border-width:medium; width:260px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>&nbsp;</td>
		<td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:468px;border-bottom:medium none windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>&nbsp;</td>
	</tr>
	<tr style='height:11.2pt'>
		<td valign=top style='width:260px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-top-style:none; border-top-width:medium'>
		</td>
		<td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:468px;border-bottom:1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal align=center style='text-align:center'><b>Three Months Ended</b></p>
		</td>
	</tr>
	<tr style='height:11.2pt'>
		<td valign=top style='width:260px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		</td>
		<td colspan=4 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:266px;border-bottom:1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal align=center style='text-align:center'><b>March 31, 2009</b></p>
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:4px;border-top:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
		</td>
		<td colspan=2 valign=top style='width:170px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal align=center style='text-align:center'><b>March 31, 2008</b></p>
		</td>
	</tr>
	<tr style='height:11.2pt'>
		<td valign=top style='width:260px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal align=center style='text-align:center'><b><br>Amount</b></p>
		</td>
		<td valign=bottom style='width:76px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>Revenues</b></p>
		</td>
		<td valign=top style='width:4px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
		</td>
		<td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:50px;border-bottom:
  1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal align=center style='text-align:center'><b>%<br>Change</b></p>
		</td>
		<td valign=top style='width:4px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal align=center style='text-align:center'><b><br>Amount</b></p>
		</td>
		<td valign=bottom style='width:75px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>Revenues</b></p>
		</td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
		<p class=MsoNormal><b>Revenues:</b></p></td>
		<td valign=top style='width:94px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
		</td>
		<td valign=top style='width:76px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
		</td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
		</td>
		<td valign=top style='width:50px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
		</td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
		</td>
		<td valign=top style='width:81px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
		</td>
		<td valign=top style='width:75px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
		</td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal style='margin-left:.15in'>Commissions and principal transactions
		</p></td>
		<td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 171,888</p>
		</td>
		<td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>78%</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='width:50px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>13%</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 152,638</p>
		</td>
		<td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>72%</p></td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
		<p class=MsoNormal style='margin-left:.15in'>Investment banking</p></td>
		<td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>15,504</p></td>
		<td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>7</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		</td>
		<td valign=top style='width:50px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>(29)</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		</td>
		<td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>21,844</p></td>
		<td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>10</p></td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal style='margin-left:.15in'>Asset management and service fees
		</p></td>
		<td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>24,933</p></td>
		<td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>11</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='width:50px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>(18)</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>30,278</p></td>
		<td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>14</p></td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
		<p class=MsoNormal style='margin-left:.15in'>Interest</p></td>
		<td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>9,892</p></td>
		<td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>5</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		</td>
		<td valign=top style='width:50px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>(28)</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		</td>
		<td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>13,689</p></td>
		<td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>7</p></td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal style='margin-left:.15in'>Other income/(loss)</p>
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>115</p></td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:76px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>--</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:50px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>*</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>(1,207)</p></td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>--</p></td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
		<p class=MsoNormal style='margin-left:19.8pt'><b>Total revenues</b></p>
		</td>
		<td valign=top style='width:94px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>222,332</p></td>
		<td valign=top style='width:76px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>101</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		</td>
		<td valign=top style='width:50px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>2</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		</td>
		<td valign=top style='width:81px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>217,242</p></td>
		<td valign=top style='width:75px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>103</p></td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal>Interest
  expense </p></td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>2,351</p></td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:76px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>1</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:50px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>(59)</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>5,765</p></td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>3</p></td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
		<p class=MsoNormal style='margin-left:19.8pt'><b>Net revenues&nbsp; </b>
		</p></td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>219,981</p></td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:76px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>100</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:50px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>4</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>211,477</p></td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
		<p class=MsoNormal align=right style='text-align:right'>100</p></td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal><b>Non-Interest
  Expenses:</b></p></td>
		<td valign=top style='width:94px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='width:76px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='width:50px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='width:81px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='width:75px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
		<p class=MsoNormal style='margin-left:.3in;text-indent:-.15in'>Employee compensation
  and benefits</p></td>
		<td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>147,840</p></td>
		<td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>67</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		</td>
		<td valign=top style='width:50px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>1</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		</td>
		<td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>146,030</p></td>
		<td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>69</p></td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal style='margin-left:.15in'>Occupancy and equipment rental</p>
		</td>
		<td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>17,867</p></td>
		<td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>8</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='width:50px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>14</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>15,716</p></td>
		<td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>8</p></td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
		<p class=MsoNormal style='margin-left:.15in'>Communication and office supplies
		</p></td>
		<td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>11,845</p></td>
		<td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>6</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		</td>
		<td valign=top style='width:50px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>(1)</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		</td>
		<td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>11,947</p></td>
		<td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>6</p></td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal style='margin-left:.15in'>Commissions and floor brokerage</p>
		</td>
		<td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>4,360</p></td>
		<td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>2</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='width:50px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>*</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='width:81px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>481</p></td>
		<td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>--</p></td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
		<p class=MsoNormal style='margin-left:.15in'>Other operating expenses</p>
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>15,914</p></td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:76px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>7</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:50px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>19</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>13,378</p></td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>6</p></td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal style='margin-left:19.8pt'><b>Total non-interest expenses</b></p>
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>197,826</p></td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:76px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>90</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:50px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>6</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>187,552</p></td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>89</p></td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
		<p class=MsoNormal><b>Income
  before income taxes</b></p></td>
		<td valign=top style='width:94px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>22,155</p></td>
		<td valign=top style='width:76px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>10</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		</td>
		<td valign=top style='width:50px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>(7)</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		</td>
		<td valign=top style='width:81px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>23,925</p></td>
		<td valign=top style='width:75px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>11</p></td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal>Provision
  for income taxes</p></td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>8,978</p></td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:76px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>4</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:50px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>(6)</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>9,578</p></td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
		<p class=MsoNormal align=right style='text-align:right'>4</p></td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
		<p class=MsoNormal><b>Net
  Income</b></p></td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13,177</p>
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:76px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>6%</p></td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:50px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>&nbsp; (8)%</p>
		</td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:81px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 14,347</p>
		</td>
		<td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99" align="right">
		<p class=MsoNormal align=right style='text-align:right'>7%</p></td>
	</tr>
	<tr>
		<td valign=top style='width:260px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		<p class=MsoNormal><b>&nbsp;</b></p></td>
		<td valign=top style='width:94px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		</td>
		<td valign=top style='width:76px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		</td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		</td>
		<td valign=top style='width:50px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		</td>
		<td valign=top style='width:4px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		</td>
		<td valign=top style='width:81px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		</td>
		<td valign=top style='width:75px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
		</td>
	</tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt'>*&nbsp;&nbsp;&nbsp;Percentage is not meaningful.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Net Interest Analysis</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-indent:.25in'>The following table presents average balance data and
operating interest income and expense data, as well as related interest yields
for the periods indicated (in thousands, except rates):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='margin-left:5.4pt;border-collapse:collapse'>
 <tr style='height:9.85pt'>
  <td valign=top style='border-style:none; border-width:medium; width:252px;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:570px;border-bottom:medium none windowtext;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
 <tr style='height:9.85pt'>
  <td valign=top style='width:252px;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-top-style:none; border-top-width:medium'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:570px;border-bottom:1.0pt solid windowtext;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Three Months Ended</b></p>
  </td>
 </tr>
 <tr style='height:9.85pt'>
  <td valign=top style='width:252px;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:264px;border-bottom:1.0pt solid windowtext;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31, 2009</b></p>
  </td>
  <td valign=top style='width:6px;height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=top style='width:272px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:9.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31, 2008</b></p>
  </td>
 </tr>
 <tr style='height:31.85pt'>
  <td valign=top style='width:252px;height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.0pt solid windowtext;
  height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Average<br>
  Balance</b></p>
  </td>
  <td valign=top style='width:74px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Operating<br>
  Interest<br>
  Inc./Exp.</b></p>
  </td>
  <td valign=bottom style='width:67px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Average<br>
  Yield/<br>
  Cost</b></p>
  </td>
  <td valign=top style='width:6px;height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Average<br>
  Balance</b></p>
  </td>
  <td valign=top style='width:93px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Operating<br>
  Interest<br>
  Inc./Exp.</b></p>
  </td>
  <td valign=bottom style='width:67px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:31.85pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Average<br>
  Yield/<br>
  Cost</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:252px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Interest-Earning
  Assets:</b></p>
  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:74px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:6px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:252px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Margin balances of
  Stifel Nicolaus</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp; 250,509</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 2,654</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 4.24%</p>
  </td>
  <td valign=top style='width:6px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp; 432,243</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 6,718</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 6.22%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:252px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Interest-earnings
  assets of Stifel Bank</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>470,364</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3,656</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 3.11%</p>
  </td>
  <td valign=top style='width:6px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>238,634</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3,551</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 5.95%</p>
  </td>
 </tr>
 <tr style='height:9.45pt'>
  <td valign=top style='width:252px;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Stock borrow of Stifel Nicolaus
  </p>
  </td>
  <td valign=bottom style='width:95px;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>57,431</p>
  </td>
  <td valign=bottom style='width:74px;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>8</p>
  </td>
  <td valign=bottom style='width:67px;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 0.06%</p>
  </td>
  <td valign=top style='width:6px;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=bottom style='width:84px;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>85,400</p>
  </td>
  <td valign=bottom style='width:93px;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>266</p>
  </td>
  <td valign=bottom style='width:67px;height:9.45pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 1.25%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:252px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Other</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3,574</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:6px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3,154</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:252px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total interest income</b></p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 9,892</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:6px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp; 13,689</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:252px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Interest-Bearing
  Liabilities:</b></p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  &nbsp;</td>
  <td valign=top style='width:74px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:6px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  &nbsp;</td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  &nbsp;</td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  &nbsp;</td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='width:252px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Stifel Nicolaus
  short-term borrowings </p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 63,948</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 130</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 0.81%</p>
  </td>
  <td valign=top style='width:6px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp; 114,688</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 786</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 2.74%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:252px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Interest-bearing
  liabilities of Stifel Bank</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>420,096</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>686</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 0.65%</p>
  </td>
  <td valign=top style='width:6px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>190,692</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>1,716</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 3.60%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:252px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Stock loan of Stifel Nicolaus</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>44,285</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>93</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 0.84%</p>
  </td>
  <td valign=top style='width:6px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>162,888</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>1,329</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp; 3.26%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:252px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt;text-indent:-9.0pt'>Interest-bearing
  liabilities of unconsolidated subsidiaries</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><br>
  82,500</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><br>
  1,364</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp; 6.61%</p>
  </td>
  <td valign=top style='width:6px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><br>
  95,000</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><br>
  1,612</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp; 6.79%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:252px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Other</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>78</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:6px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>322</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:252px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total interest expense</b></p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:74px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>2,351</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:6px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:93px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>5,765</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:252px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Net
  interest income</b></p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 7,541</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:6px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 7,924</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:252px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:74px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:6px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoFooter align=center style='text-align:center'>36</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal><b><i>Three
Months Ended March 31, 2009 Compared with Three Months Ended March 31, 2008</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Except as noted in the
following discussion of variances for total Company and the ensuing segment
results, the underlying reasons for the increase in revenue and expense
categories can be attributed principally to the increased number of Private
Client Group offices and financial advisors, the increased number of revenue
producers in our Equity Capital Markets and Fixed Income Capital Markets
segments, the increased administrative overhead to support the growth in our segments
and the acquisition of Butler Wick on December 31, 2008. Butler Wick's results
of operations are included in our results of operations prospectively from December
31, 2008, the date of acquisition. For the three months ended March 31, 2009, Butler
Wick generated $5.7 million in net revenues and a loss before income taxes of $0.9
million.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our net revenues (total
revenues less interest expense) increased $8.5 million to $220.0 million for
the three months ended March 31, 2009; a 4% increase over the $211.5 million
recorded for the three months ended March 31, 2008.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Commissions and
principal transactions revenues increased 13% to $171.9 million for the three
months ended March 31, 2009 from $152.6 million in the comparable period in 2008,
with increases of 5%, 6%, and 34% in the Private Client Group, Equity Capital
Markets, and Fixed Income Capital Markets segments, respectively, primarily
resulting from the aforementioned growth and increased principal transactions,
primarily in corporate debt and equity and municipal debt, offset by decreased
commissions as a result of market volatility and decreased trading volumes. The change in the mix
from commissions-based revenues to principal transactions revenue has created
an increase in our trading inventory levels primarily related to fixed income
products.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Investment banking
revenues decreased 29% to $15.5 million for the three months ended March 31,
2009 from $21.8 million in the comparable period in 2008 due to the
industry-wide decline in common stock offerings and mergers and acquisitions
caused by challenging capital market conditions. Capital raising revenues
decreased 58% to $5.5 million for the three months ended March 31, 2009 from $13.0
million in the comparable period in 2008 and strategic advisory fees increased 14%
to $10.0 million for the three months ended March 31, 2009 from $8.8 million in
the comparable period in 2008.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Asset management and
service fee revenues decreased 18% to $24.9 million for the three months ended
March 31, 2009 from $30.3 million in the comparable period of 2008, primarily
resulting from a 29% decrease in the value of assets in fee-based accounts,
offset by an 11% increase in the number of managed accounts attributable
principally to the continued growth of the Private Client Group. See Assets in
Fee-based Accounts included in the table in &quot;Results of Operations - Private Client
Group.&quot; </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Other revenues increased
$1.3 million to $0.1 million for the three month period ended March 31, 2009
from a loss of $1.2 million during the comparable period in 2008, principally as
a result of the reduction of investment losses during the three months ended March 31, 2009. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Interest revenues
decreased 28%, or $3.8 million, to $9.9 million for the three months ended
March 31, 2009 from $13.7 million in the comparable period in 2008, principally
as a result of a $4.1 million decrease in interest revenue from customer margin
borrowing. The average margin balances of Stifel Nicolaus decreased to $250.5
million during the three months ended March 31, 2009 compared to $432.2 million
during the comparable period in 2008 at weighted average interest rates of 4.24%
and 6.22%, respectively. The average interest-earning assets of Stifel Bank
increased to $470.4 million during the three months ended March 31, 2009
compared to $238.6 million during the comparable period in 2008 at weighted
average interest rates of 3.11% and 5.95%, respectively. Interest expense
decreased 59%, or $3.4 million, to $2.4 million for the three months ended
March 31, 2009 from $5.8 million in the comparable period in 2008, principally
as a result of decreased interest rates charged by banks on decreased levels of
borrowings to finance customer borrowing and firm inventory and decreased
interest rates on stock loan borrowings. See &quot;Net Interest Analysis&quot; above for
more details.</p>

<p class=MsoFooter align=center style='text-align:center'>37</p>

<div class=MsoNormal align=center style='text-align:center'>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Employee compensation
and benefits increased 1%, or $1.8 million, to $147.8 million for the three
months ended March 31, 2009 from $146.0 million during the comparable period in
2008, principally due to increased headcount associated with the expansion of
our Private Client Group, Equity Capital Markets and Fixed Income Capital
Markets segments during the first quarter of 2009, partially offset by lower production-based
variable compensation compared to the first quarter of 2008. As a percentage of
net revenues, employee compensation and benefits totaled 67% for the three
months ended March 31, 2009 compared to 69% for the comparable period in 2008.
A portion of employee compensation and benefits includes transition pay,
principally in the form of upfront notes, signing bonuses and retention awards in
connection with our continuing expansion efforts, of $9.6 million (4% of net
revenues) and $6.9 million (3% of net revenues) for the three months ended March
31, 2009 and 2008, respectively. The upfront notes are amortized over a five to
ten year period. In addition, for the three months ended March 31, 2008,
employee compensation and benefits includes $6.3 million for amortization of
units awarded to LM Capital Markets associates. As these units were fully
amortized as of December 31, 2008, we had no unit amortization expense during
the three months ended March 31, 2009.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Occupancy and equipment
rental, commissions and floor brokerage, and other operating expenses increased
principally due to our expansion of the Equity Capital Markets and Fixed Income
Capital Markets segments and continued expansion of the Private Client Group.
Additionally, a change in the second quarter of 2008 to a third party vendor
for services resulted in $2.4 million of expenses previously recorded as
communication and office supplies that are now recorded as commissions and
floor brokerage. In addition, we received a rebate of $1.5 million during the
first quarter of 2008 related to clearing fees paid in 2007. There were no
rebates received during the first quarter of 2009.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The provision for income
taxes was $9.0 million for the three months ended March 31, 2009, representing
an effective tax rate of 40.5%, compared to $9.6 million for the comparable
period in 2008, representing an effective tax rate of 40.0%. The higher
effective tax rate in 2009 was due to the proportionately higher level of
non-deductible expenses to net income and the decrease in pre-tax net income.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Net income decreased 8%,
or $1.1 million, to $13.2 million for the three months ended March 31, 2009,
compared to $14.3 million during the comparable period in 2008, principally due
to increased
costs associated with our continued growth initiatives during the quarter.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Segment Analysis</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our reportable segments
include the Private Client Group, Equity Capital Markets, Fixed Income Capital
Markets, Stifel Bank, and Other.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Private Client Group
segment includes branch offices and independent contractor offices of our broker-dealer
subsidiaries located throughout the United States, primarily in the Midwest and
Mid-Atlantic regions with a growing presence in the Northeast, Southeast and Western United States. These branches provide securities brokerage services, including the
sale of equities, mutual funds, fixed income products, and insurance, as well
as offering banking products to their private clients through Stifel Bank.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Equity Capital
Markets segment includes corporate finance management and participation in underwritings
(exclusive of sales credits, which are included in the Private Client Group
segment), mergers and acquisitions, institutional sales, trading, research, and
market making.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Fixed Income Capital
Markets segment includes public finance, institutional sales and competitive
underwriting, and trading.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Stifel Bank segment
includes residential, consumer, and commercial lending activities, as well as Federal
Depository Insurance Corporation (&quot;FDIC&quot;)-insured deposit accounts to customers
of our broker-dealer subsidiaries and to the general public.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The Other segment
includes interest income from stock borrow activities, unallocated interest
expense, interest income and gains and losses from investments held, and all
unallocated overhead cost associated with the execution of orders; processing
of securities transactions; custody of client securities; receipt,
identification, and delivery of funds and securities; compliance with
regulatory and legal requirements; internal financial accounting and controls;
acquisition charges related to the LM Capital Markets and Ryan Beck
acquisitions, and general administration.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We evaluate the
performance of our segments and allocate resources to them based on various
factors, including prospects for growth, return on investment, and return on
revenues.</p>

<p class=MsoFooter align=center style='text-align:center'>38</p>

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<p class=MsoNormal style='margin-top:6.0pt'><b><i>Results of Operations - Private Client
Group</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following table presents consolidated
financial information for the Private Client Group segment for the periods
indicated (in thousands, except percentages):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:821px;margin-left:5.4pt;border-collapse:collapse'>
 <tr style='height:11.2pt'>
  <td valign=top style='border-style:none; border-width:medium; width:284px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:509px;border-bottom:medium none windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
 <tr style='height:11.2pt'>
  <td valign=top style='width:284px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-top-style:none; border-top-width:medium'>

  </td>
  <td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:509px;border-bottom:1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Three Months Ended</b></p>
  </td>
 </tr>
 <tr style='height:11.2pt'>
  <td valign=top style='width:284px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=4 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:288px;border-bottom:1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31, 2009</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:5px;border-top:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=2 valign=top style='width:188px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31, 2008</b></p>
  </td>
 </tr>
 <tr style='height:11.2pt'>
  <td valign=top style='width:284px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:112px;border-bottom:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:67px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
  <td valign=top style='width:9px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:58px;border-bottom:
  1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>%<br>
  Change</b></p>
  </td>
  <td valign=top style='width:5px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:73px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Revenues:</b></p>
  </td>
  <td valign=top style='width:112px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:58px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:73px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Commissions and principal transactions </p>
  </td>
  <td valign=top style='width:112px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 81,653</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>74%</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:58px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>5%</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 77,952</p>
  </td>
  <td valign=top style='width:73px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>68%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Investment banking</p>
  </td>
  <td valign=top style='width:112px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>2,070</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>2</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:58px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(50)</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>4,103</p>
  </td>
  <td valign=top style='width:73px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>4</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Asset management and service fees </p>
  </td>
  <td valign=top style='width:112px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>24,831</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>22</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:58px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(18)</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>30,147</p>
  </td>
  <td valign=top style='width:73px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>26</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Interest</p>
  </td>
  <td valign=top style='width:112px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3,155</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:58px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(56)</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>7,189</p>
  </td>
  <td valign=top style='width:73px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>6</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Other income/(loss)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:112px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(467)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:58px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>*</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(469)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:73px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total revenues</b></p>
  </td>
  <td valign=top style='width:112px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>111,242</p>
  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>101</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:58px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(7)</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>118,922</p>
  </td>
  <td valign=top style='width:73px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>104</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Interest
  expense </p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:112px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>718</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>1</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:58px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(82)</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>4,069</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:73px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>4</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'><b>Net revenues&nbsp; </b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:112px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>110,524</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>100</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:58px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(4)</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>114,853</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:73px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>100</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Non-Interest
  Expenses:</b></p>
  </td>
  <td valign=top style='width:112px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:58px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:73px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-.15in'>Employee compensation
  and benefits</p>
  </td>
  <td valign=top style='width:112px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>72,218</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>65</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:58px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(1)</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>72,845</p>
  </td>
  <td valign=top style='width:73px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>63</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Occupancy and equipment rental</p>
  </td>
  <td valign=top style='width:112px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>10,220</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>9</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:58px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>27</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>8,026</p>
  </td>
  <td valign=top style='width:73px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>7</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Communication and office supplies </p>
  </td>
  <td valign=top style='width:112px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>5,284</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>5</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:58px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>26</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>4,197</p>
  </td>
  <td valign=top style='width:73px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>4</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Commissions and floor brokerage</p>
  </td>
  <td valign=top style='width:112px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>1,841</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>2</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:58px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>*</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:101px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(68)</p>
  </td>
  <td valign=top style='width:73px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Other operating expenses</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:112px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>5,501</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>5</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:58px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>30</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>4,248</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:73px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>4</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total non-interest expenses</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:112px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>95,064</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>86</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:58px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>7</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>89,248</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:73px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>78</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Income
  before income taxes</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:112px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15,460</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>14%</p>
  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:58px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(40)%</p>
  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:101px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 25,605</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:73px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>22%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:284px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:112px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:9px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:58px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:5px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:101px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:73px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt'>*&nbsp;&nbsp;Percentage is not meaningful.</p>

<div align=left>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=528
 style='width:5.5in;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:.15in'>
  <td width=262 valign=top style='width:196.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:.15in'>

  </td>
  <td width=137 valign=top style='width:102.75pt;padding:0in 5.4pt 0in 5.4pt;
  height:.15in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td width=129 valign=top style='width:96.75pt;padding:0in 5.4pt 0in 5.4pt;
  height:.15in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr style='height:.15in'>
  <td width=262 valign=top style='width:196.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:.15in'>

  </td>
  <td width=137 valign=top style='width:102.75pt;border:none;border-bottom:
  solid windowtext 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:.15in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31, 2009</b></p>
  </td>
  <td width=129 valign=top style='width:96.75pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:.15in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31, 2008</b></p>
  </td>
 </tr>
 <tr style='height:11.7pt'>
  <td width=262 valign=top style='width:196.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:11.7pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Branch
  offices (actual)</p>
  </td>
  <td width=137 valign=top style='width:102.75pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:11.7pt' bgcolor="#FFCC99">
  <p class=MsoBodyText2 align=right style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:32.05pt;margin-bottom:.0001pt;text-align:right;
  text-indent:-32.05pt'>210</p>
  </td>
  <td width=129 valign=top style='width:96.75pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:11.7pt' bgcolor="#FFCC99">
  <p class=MsoBodyText2 align=right style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:32.05pt;margin-bottom:.0001pt;text-align:right;
  text-indent:-32.05pt'>152</p>
  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Financial
  advisors (actual)</p>
  </td>
  <td width=137 valign=top style='width:102.75pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoBodyText2 align=right style='margin-bottom:0in;margin-bottom:
  .0001pt;text-align:right'>1,218</p>
  </td>
  <td width=129 valign=top style='width:96.75pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoBodyText2 align=right style='margin-bottom:0in;margin-bottom:
  .0001pt;text-align:right'>972</p>
  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.5pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Independent
  contractors (actual)</p>
  </td>
  <td width=137 valign=top style='width:102.75pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoBodyText2 align=right style='margin-bottom:0in;margin-bottom:
  .0001pt;text-align:right'>176</p>
  </td>
  <td width=129 valign=top style='width:96.75pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoBodyText2 align=right style='margin-bottom:0in;margin-bottom:
  .0001pt;text-align:right'>197</p>
  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.5pt;padding:0in 5.4pt 0in 5.4pt'>
  &nbsp;</td>
  <td width=137 valign=top style='width:102.75pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=129 valign=top style='width:96.75pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal><b>Assets
  in Fee-based Accounts</b></p>
  </td>
  <td width=137 valign=top style='width:102.75pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=129 valign=top style='width:96.75pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=262 valign=top style='width:196.5pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Value
  (in thousands)</p>
  </td>
  <td width=137 valign=top style='width:102.75pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoBodyText2 align=right style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:22.4pt;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp;&nbsp; 4,755,030</p>
  </td>
  <td width=129 valign=top style='width:96.75pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoBodyText2 align=right style='margin-top:0in;margin-right:0in;
  margin-bottom:0in;margin-left:23.7pt;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp; 6,702,167</p>
  </td>
 </tr>
 <tr style='height:.1in'>
  <td width=262 valign=top style='width:196.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:.1in'>
  <p class=MsoNormal>Number
  of accounts (actual)</p>
  </td>
  <td width=137 valign=top style='width:102.75pt;padding:0in 5.4pt 0in 5.4pt;
  height:.1in'>
  <p class=MsoBodyText2 align=right style='margin-bottom:0in;margin-bottom:
  .0001pt;text-align:right'>25,364</p>
  </td>
  <td width=129 valign=top style='width:96.75pt;padding:0in 5.4pt 0in 5.4pt;
  height:.1in'>
  <p class=MsoBodyText2 align=right style='margin-bottom:0in;margin-bottom:
  .0001pt;text-align:right'>22,840</p>
  </td>
 </tr>
 <tr style='height:.1in'>
  <td width=262 valign=top style='width:196.5pt;padding:0in 5.4pt 0in 5.4pt;
  height:.1in'>
  &nbsp;</td>
  <td width=137 valign=top style='width:102.75pt;padding:0in 5.4pt 0in 5.4pt;
  height:.1in'>
  &nbsp;</td>
  <td width=129 valign=top style='width:96.75pt;padding:0in 5.4pt 0in 5.4pt;
  height:.1in'>
  &nbsp;</td>
 </tr>
 </table>

</div>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Three Months Ended March 31, 2009 Compared with
Three Months Ended March 31, 2008</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Private Client Group net
revenues decreased 4% to $110.5 million for the three months ended March 31,
2009, compared to $114.9 million for the comparable period in 2008 as a result
of decreases in asset management and service fees, investment banking, and
other revenues, partially offset by an increase in commissions and principal
transactions. Commissions and principal transactions increased primarily due to
increased principal transactions, primarily in municipal debt and corporate
debt, offset by decreased commissions as a result of market volatility and
decreased trading volumes. Investment banking, which represents sales credits
for investment banking underwritings, decreased 50%, principally reflecting a
decline in industry-wide equity offerings. Asset management and service fees decreased
principally due to a
29% decrease in the value of assets in fee-based accounts, offset by an increase
in the number of managed accounts attributable principally to the continued
growth of the Private Client Group.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Interest revenues for the
Private Client Group decreased 56% to $3.2 million for the three months ended
March 31, 2009 compared to $7.2 million for the comparable period in 2008,
principally due to lower average interest rates on customer margin borrowing to
finance trading activity and lower average customer margin balances. Interest
expense decreased 82% to $0.7 million for the three months ended March 31, 2009
compared to $4.1 million for the comparable prior year period, principally as a
result of decreased interest rates charged by banks on decreased levels of
borrowings to finance customer borrowings. </p>

<p class=MsoFooter align=center style='text-align:center'>39</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Non-interest expenses
increased 7% to $95.1 million for the three months ended March 31, 2009 compared
to $89.2 million for the comparable period in 2008. Employee compensation and
benefits decreased 1% principally as a result of decreased variable
compensation as a result of decreased production, offset by increased overhead,
a component of fixed compensation, as a result of the continued expansion of
the Private Client Group. Employee compensation and benefits includes
transition pay of $7.9 million (7% of net revenues) and $6.5 million (6% of net
revenues) for the three month period ended March 31, 2009 and 2008,
respectively, principally in the form of upfront notes, signing bonuses and
retention awards in conjunction with our expansion efforts. As a percentage of
net revenues, employee compensation and benefits increased to 65% for the three
month period ended March 31, 2009 compared to 63% for the comparable period in 2008
as a result of decreased net revenues and increased enhanced pay, which
primarily consists of the amortization of upfront notes. Other non-employee
compensation and benefits expenses increased principally due to the increase in
new branch offices and financial advisors, and the increased depreciation
expense associated with the investment in infrastructure, primarily
communication and quote equipment.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Income before income
taxes for the Private Client Group decreased 40% to $15.5 million for the three
months ended March 31, 2009 compared to $25.6 million for the comparable period
in 2008 as a result of decreased net revenues and increased costs associated
with the continued growth of the Private Client Group. </p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Results of Operations - Equity Capital
Markets</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following table presents consolidated
financial information for the Equity Capital Markets segment for the periods
indicated (in thousands, except percentages):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:794px;margin-left:5.4pt;border-collapse:collapse'>
 <tr style='height:11.2pt'>
  <td valign=top style='border-style:none; border-width:medium; width:269px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:497px;border-bottom:medium none windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
 <tr style='height:11.2pt'>
  <td valign=top style='width:269px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-top-style:none; border-top-width:medium'>

  </td>
  <td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:497px;border-bottom:1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Three Months Ended</b></p>
  </td>
 </tr>
 <tr style='height:11.2pt'>
  <td valign=top style='width:269px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=4 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:293px;border-bottom:1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31, 2009</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:10px;border-top:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=2 valign=top style='width:167px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31, 2008</b></p>
  </td>
 </tr>
 <tr style='height:11.2pt'>
  <td valign=top style='width:269px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:71px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
  <td valign=top style='width:16px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:
  1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>%<br>
  Change</b></p>
  </td>
  <td valign=top style='width:10px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:67px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Revenues:</b></p>
  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:71px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:69px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Commissions and principal transactions </p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 36,787</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>78%</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:69px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>6%</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 34,654</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>70%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Investment banking</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>10,098</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>22</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:69px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(29)</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>14,267</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>29</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Other income/(loss)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>222</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>(41)</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>375</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>1</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total revenues</b></p>
  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>47,107</p>
  </td>
  <td valign=top style='width:71px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>100</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:69px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(4)</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>49,296</p>
  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>100</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Interest
  expense </p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>24</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>(65)</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>68</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'><b>Net revenues&nbsp; </b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>47,083</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>100</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(4)</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>49,228</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>100</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Non-Interest
  Expenses:</b></p>
  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:71px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:69px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-.15in'>Employee compensation
  and benefits</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>29,311</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>62</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:69px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(6)</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>31,294</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>64</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Occupancy and equipment rental</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>2,694</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>6</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:69px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>38</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>1,933</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>4</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Communication and office supplies </p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3,345</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>7</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:69px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(32)</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>4,946</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>10</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Commissions and floor brokerage</p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>2,179</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>5</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:69px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>*</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:85px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>562</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>1</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Other operating expenses</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3,829</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>8</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>7</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3,566</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>7</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total non-interest expenses</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>41,358</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>88</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>(2)</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>42,301</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>86</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Income
  before income taxes</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,725</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>12%</p>
  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:69px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(17)%</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:85px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 6,927</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>14%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:71px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:16px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:69px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:85px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt'>*&nbsp;&nbsp;&nbsp;Percentage is not meaningful.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Three Months Ended March
31, 2009 Compared with Three Months Ended March 31, 2008</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Equity Capital Markets recorded
net revenues of $47.1 million for the three months ended March 31, 2009, a
decrease of 4% compared to $49.2 million for the comparable period in 2008,
principally due to the decrease in investment banking activity resulting from
the industry-wide difficult capital market conditions, partially offset by increased
commissions and principal transactions, which increased 6% to $36.8 million.
Investment banking revenues decreased 29% to $10.1 million for the three months
ended March 31, 2009, reflecting a 90% decrease in equity financing revenues to
$0.7 million, offset by a 25% increase in financial advisory fees to $9.4
million.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Non-interest expenses decreased
$0.9 million to $41.4 million for the three months ended March 31, 2009
compared to $42.3 million for the comparable period in 2008. Employee compensation
and benefits as a percentage of net revenues decreased to 62% for the three
months ended March 31, 2009 compared to 64% for the comparable period in 2008; principally
due to decreased production-based variable compensation compared to the first
quarter of 2008 and decreased net revenues. Increases in occupancy and
equipment rental, commission and floor brokerage, and other operating expenses
can be attributed to our expansion of the Equity Capital Markets segment.
Additionally, with our change in a third party vendor for services, $2.4
million previously recorded as communication and office supplies are now being
recorded as commission and floor brokerage.</p>

<p class=MsoFooter align=center style='text-align:center'>40</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Income before income
taxes decreased 17% to $5.7 million for the three months ended March 31, 2009
compared to $6.9 million for the comparable period in 2008, principally as a
result of the increased costs attributable to the growth of the segment and the
decrease in investment banking revenues during the three months ended March 31,
2009.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Results of Operations - Fixed Income
Capital Markets</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following table presents consolidated
financial information for the Fixed Income Capital Markets segment for the periods
indicated (in thousands, except percentages):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:797px;margin-left:5.4pt;border-collapse:collapse'>
 <tr style='height:11.2pt'>
  <td valign=top style='border-style:none; border-width:medium; width:268px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:501px;border-bottom:medium none windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
 <tr style='height:11.2pt'>
  <td valign=top style='width:268px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-top-style:none; border-top-width:medium'>

  </td>
  <td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:501px;border-bottom:1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Three Months Ended</b></p>
  </td>
 </tr>
 <tr style='height:11.2pt'>
  <td valign=top style='width:268px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=4 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:292px;border-bottom:1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31, 2009</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:12px;border-top:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=2 valign=top style='width:169px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31, 2008</b></p>
  </td>
 </tr>
 <tr style='height:11.2pt'>
  <td valign=top style='width:268px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:74px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
  <td valign=top style='width:17px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:
  1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>%<br>
  Change</b></p>
  </td>
  <td valign=top style='width:12px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:71px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:268px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Revenues:</b></p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:74px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:71px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:268px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Commissions and principal transactions </p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 53,448</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>91%</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>34%</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 40,032</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>91%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:268px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Investment banking</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3,337</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>6</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(4)</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3,474</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>8</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:268px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Interest</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>2,070</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>4</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>(5)</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>2,167</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>5</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:268px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Other income/(loss)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(41)</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>6</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:268px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total revenues</b></p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>58,858</p>
  </td>
  <td valign=top style='width:74px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>101</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>29</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>45,679</p>
  </td>
  <td valign=top style='width:71px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>104</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:268px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Interest
  expense </p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>469</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>1</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(72)</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>1,677</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>4</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:268px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Net revenues&nbsp; </b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>58,389</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>100</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>33</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>44,002</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>100</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:268px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Non-Interest
  Expenses:</b></p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:74px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:71px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:268px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.3in;text-indent:-.15in'>Employee compensation
  and benefits</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>33,207</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>57</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>28</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>25,936</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>59</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:268px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Occupancy and equipment rental</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>993</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>2</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>28</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>777</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>2</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:268px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Communication and office supplies </p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>1,434</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>2</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>1</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>1,424</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>3</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:268px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Commissions and floor brokerage</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>341</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>1</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>*</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(13)</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:268px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Other operating expenses</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>2,105</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>3</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>*</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>965</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>2</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:268px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total non-interest expenses</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>38,080</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>65</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>31</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>29,089</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>66</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:268px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Income
  before income taxes</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 20,309</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>35%</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>36%</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 14,913</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>34%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:268px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:74px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:71px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt'>*&nbsp;&nbsp; Percentage is not meaningful.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Three Months Ended March
31, 2009 Compared with Three Months Ended March 31, 2008</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Fixed Income Capital
Markets net revenues for the three months ended March 31, 2009 increased 33% to
$58.4 million compared to net revenues of $44.0 million for the comparable
period in 2008, principally due to an increase in principal transactions,
primarily corporate debt, municipal debt, and mortgage-backed bonds due to
turbulent markets and institutional customers returning to traditional fixed
income products. Interest revenues for the three months ended March 31, 2009 decreased
5% to $2.1 million principally as a result of decreased fixed income inventory
held for sale to clients. Interest expense for the three months ended March 31,
2009 decreased 72% to $0.5 million as a result of decreased interest expense
incurred to carry the lower levels of such inventory. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Non-interest expenses
increased $9.0 million or 31% to $38.1 million for the three months ended March
31, 2009 principally due to a 28% increase in employee compensation and
benefits, which primarily increased as a result of increased productivity. Employee compensation
and benefits as a percentage of net revenues decreased to 57% for the three
months ended March 31, 2009 from 59% for the comparable period in 2008,
reflecting increased production. Occupancy and equipment rental, communications
and office supplies, commissions and floor brokerage, and other operating
expenses increased principally due to the increase in the number of public
finance offices compared to the first quarter of 2008.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Income before income
taxes increased $5.4 million to $20.3 million for the three months ended March
31, 2009 from $14.9 million for the comparable period in 2008 as a result of
the increased net revenues and the scalability of increased production.</p>

<p class=MsoFooter align=center style='text-align:center'>41</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt'><b><i>Results of Operations - Stifel Bank</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following table presents consolidated
financial information for the Stifel Bank segment for the periods indicated (in
thousands, except percentages):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:798px;margin-left:5.4pt;border-collapse:collapse'>
 <tr style='height:11.2pt'>
  <td valign=top style='border-style:none; border-width:medium; width:269px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:501px;border-bottom:medium none windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
 <tr style='height:11.2pt'>
  <td valign=top style='width:269px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-top-style:none; border-top-width:medium'>

  </td>
  <td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:501px;border-bottom:1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Three Months Ended</b></p>
  </td>
 </tr>
 <tr style='height:11.2pt'>
  <td valign=top style='width:269px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=4 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:288px;border-bottom:1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31, 2009</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:14px;border-top:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=2 valign=top style='width:171px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31, 2008</b></p>
  </td>
 </tr>
 <tr style='height:11.2pt'>
  <td valign=top style='width:269px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:71px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
  <td valign=top style='width:17px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:
  1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>%<br>
  Change</b></p>
  </td>
  <td valign=top style='width:14px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:70px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Revenues:</b></p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:71px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:65px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:70px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Interest </p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 3,656</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>101%</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:65px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>3%</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 3,551</p>
  </td>
  <td valign=top style='width:70px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>170%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Other income/(loss)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>670</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>18</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>*</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>247</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:70px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>12</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total revenues</b></p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>4,326</p>
  </td>
  <td valign=top style='width:71px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>119</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:65px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>14</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>3,798</p>
  </td>
  <td valign=top style='width:70px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>182</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>Interest
  expense </p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>686</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>19</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(60)</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>1,716</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:70px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>82</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:19.8pt'><b>Net revenues&nbsp; </b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>3,640</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>100</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>75</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>2,082</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:70px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>100</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Non-Interest
  Expenses:</b></p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:71px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:65px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:70px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.3in;text-indent:-.15in'>Employee compensation
  and benefits</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>411</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>11</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:65px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(46)</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>759</p>
  </td>
  <td valign=top style='width:70px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>36</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Occupancy and equipment rental</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>231</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>6</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:65px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>5</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>220</p>
  </td>
  <td valign=top style='width:70px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>11</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Communication and office supplies </p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>114</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>3</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:65px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(6)</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>122</p>
  </td>
  <td valign=top style='width:70px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>6</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Provision for loan losses</p>
  </td>
  <td valign=top style='width:93px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>533</p>
  </td>
  <td valign=top style='width:71px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>15</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:65px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>*</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>135</p>
  </td>
  <td valign=top style='width:70px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>6</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Other operating expenses</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>577</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>16</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>8</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>537</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:70px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>26</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total non-interest expenses</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>1,866</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>51</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>5</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>1,773</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:70px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>85</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Income
  before income taxes</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:93px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,774</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:71px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>49%</p>
  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:65px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>*</p>
  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; 309</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:70px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>15%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:269px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:93px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:71px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:17px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:65px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:14px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:70px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt'>*&nbsp;&nbsp;&nbsp;Percentage is not meaningful.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>As a bank holding
company, we are required to meet capital requirements as defined. See Note 11 of
the Notes to the Condensed Consolidated Financial Statements for the
calculation of our Federal Reserve Capital Amounts.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The growth in Stifel
Bank has been primarily driven by the growth in deposits associated with
brokerage customers of Stifel Nicolaus. At March 31, 2009, the balance of
Stifel Nicolaus brokerage customer deposits at Stifel Bank was $418.0 million
compared to $228.7 million at December 31, 2008.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Interest revenues of $3.7
million for the three months ended March 31, 2009 were generated from weighted
average interest-earning assets of $470.4 million at a weighted average
interest rate of 3.11%. Interest revenues of $3.6 million for the comparable period
in 2008 were generated from weighted average interest-earning assets of $238.6
million at a weighted average interest rate of 5.95%. Interest-earning assets
principally consist of residential, consumer, and commercial loans, securities,
and federal funds sold.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Other revenues
principally reflect the gain on sale of mortgage loans, which increased due to
the growth in mortgage loans originated and sold.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Interest expense
represents interest on customer money market and savings accounts, interest on
time deposits and other interest expense. The weighted average balance of
interest-bearing liabilities during the first three months of 2009 was $420.1
million at a weighted average interest rate of 0.65%. The weighted average
balance of interest-bearing liabilities for the comparable period in 2008 was $190.7
million at a weighted average interest rate of 3.60%. See the average balances
and interest rates for Stifel Bank presented later in this section for more
information regarding average balances, interest income and expense, and
average interest rate yields.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Non-interest expenses
includes employee compensation and benefits, occupancy and equipment rental,
and communication and office supplies primarily related to Stifel Bank's branch
location and leased executive office space, the provision for loan losses, and
other operating expenses, principally legal and accounting, data processing,
and other miscellaneous expenses. </p>

<p class=MsoFooter align=center style='text-align:center'>42</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>During the three months
ended March 31, 2009, the provision for loan loss charged to operations was $0.5
million, with charge-offs of $0.3 million during the period. During the
comparable period in 2008, the provision for loan loss charged to operations
was $0.1 million with charge-offs of $0.3 million fully recovered. Included in
the loan portfolio at March 31, 2009 are impaired loans totaling $2.5 million
for which there are specific loss allowances of $0.7 million compared to
impaired loans totaling $0.6 million at December 31, 2008 for which there were
specific loss allowances of $0.2 million. At March 31, 2009, Stifel Bank had $2.1
million of nonperforming loans, which was comprised of $2.0 million in
non-accruing loans that were less than 90 days past due and $0.1 million in
non-accruing loans that were more than 90 days past due, for which there was a
specific allowance of $1.0 million. There were no non-accruing loans and there
were no accruing loans delinquent 90 days or more at December 31, 2008. Stifel
Bank has no exposure to sub-prime mortgages.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>The following table sets
forth a summary of average balances and interest rates for the periods
presented (in thousands, except rates):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:929px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:10.3pt'>
  <td valign=top style='width:298px;height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=7 valign=bottom style='width:603px;height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr style='height:10.3pt'>
  <td valign=top style='width:298px;height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=7 valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:603px;border-bottom:1.0pt solid windowtext;height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Three Months Ended</b></p>
  </td>
 </tr>
 <tr style='height:10.3pt'>
  <td valign=top style='width:298px;height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=3 valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:287px;border-bottom:1.0pt solid windowtext;height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31, 2009</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:12px;border-top:1.0pt solid windowtext;
  height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=bottom style='width:276px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:10.3pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31, 2008</b></p>
  </td>
 </tr>
 <tr style='height:38.2pt'>
  <td valign=top style='width:298px;height:38.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=bottom style='width:106px;border:medium none;height:38.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Average<br>
  Balance</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:74px;border-top:1.0pt solid windowtext;
  height:38.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Interest Income/<br>
  Expense</b></p>
  </td>
  <td valign=bottom style='width:79px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:38.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Average Interest Rate</b></p>
  </td>
  <td valign=top style='width:12px;height:38.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:86px;border-bottom:1.0pt solid windowtext;
  height:38.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Average<br>
  Balance</b></p>
  </td>
  <td valign=bottom style='width:87px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:38.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Interest Income/<br>
  Expense</b></p>
  </td>
  <td valign=bottom style='width:75px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:38.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Average Interest Rate</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Assets:</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:106px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:74px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:79px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:86px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:75px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Federal funds sold</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 183,137</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 221</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.48%</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,366</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 157</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.94 %</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>U.S. government agencies</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,011</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 89</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11.77</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 18,661</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 271</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.81</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>State and political
  subdivisions-taxable</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,332</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 165</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.81</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>State and political
  subdivisions-non taxable <sup>(1)</sup></p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,512</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.17</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,537</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 13</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.47</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Mortgage backed
  securities</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 35,723</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 374</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.19</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 27,596</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 369</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.36</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Corporate bonds</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,046</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 51</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.34</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,993</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 53</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7.05</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Asset backed securities</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,583</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 242</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.51</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 17,849</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 312</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.99</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Federal Home Loan Bank
	(&quot;FHLB&quot;) and other capital
  stock</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br>
  719</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br>
  --</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br>
  0.11</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; <br>
  310</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>
  &nbsp;4</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<br>
  &nbsp;4.78</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Loans<sup> (2)</sup></p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 189,011</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,293</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.85</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 125,435</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,092</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6.67</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Loans held for sale</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 33,622</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 370</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:79px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.41</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:86px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 11,555</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 115</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.00</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'>Total interest-earning assets</p>
  </td>
  <td valign=top style='width:106px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 470,364</p>
  </td>
  <td valign=top style='width:74px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,656</p>
  </td>
  <td valign=top style='width:79px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3.11%</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:86px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 238,634</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,551</p>
  </td>
  <td valign=top style='width:75px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5.95%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Cash and due from banks</p>
  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4,222</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:86px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Other
  non-interest-earning assets</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,344</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:86px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 23,026</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:298px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt'>Total assets</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 495,930</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:86px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 261,660</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
</table>



</div>
<div align="left">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:926px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td valign=top style='width:294px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Liabilities:
  </b></p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:72px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:294px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Deposits: </p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:72px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:294px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt'>Demand deposits</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,501</p>
  </td>
  <td valign=top style='width:72px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.25 %</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,230</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.59%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:294px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt'>Money market</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 385,411</p>
  </td>
  <td valign=top style='width:72px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 448</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.46</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 141,847</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,148</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.24</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:294px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt'>Savings</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 349</p>
  </td>
  <td valign=top style='width:72px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.05</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 367</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1.61</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:294px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt'>Time deposits</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 21,820</p>
  </td>
  <td valign=top style='width:72px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 189</p>
  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.48</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 46,194</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 552</p>
  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.78</p>
  </td>
 </tr>
 <tr style='height:4.0pt'>
  <td valign=top style='width:294px;height:4.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>FHLB advances</p>
  </td>
  <td valign=top style='width:108px;height:4.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 6,000</p>
  </td>
  <td valign=top style='width:72px;height:4.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 45</p>
  </td>
  <td valign=top style='width:79px;height:4.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.97</p>
  </td>
  <td valign=top style='width:12px;height:4.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:87px;height:4.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:87px;height:4.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:75px;height:4.0pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:294px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Federal funds and repurchase
  agreements</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 15</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:72px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:79px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.08</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 54</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:294px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'>Total interest-bearing liabilities</p>
  </td>
  <td valign=top style='width:108px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 420,096</p>
  </td>
  <td valign=top style='width:72px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 686</p>
  </td>
  <td valign=top style='width:79px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.65 %</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 190,692</p>
  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,716</p>
  </td>
  <td valign=top style='width:75px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.60%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:294px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Non-interest-bearing
  deposits</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 16,354</p>
  </td>
  <td valign=top style='width:72px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; --</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:294px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:15.3pt;text-indent:-4.5pt'>Other
  non-interest-bearing liabilities</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,564</p>
  </td>
  <td valign=top style='width:72px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 14,710</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:294px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt'>Total liabilities</p>
  </td>
  <td valign=top style='width:108px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 438,014</p>
  </td>
  <td valign=top style='width:72px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 205,402</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:294px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'>Shareholders' equity</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 57,916</p>
  </td>
  <td valign=top style='width:72px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 56,258</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:294px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt'>Total liabilities and shareholders' equity</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:108px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 495,930</p>
  </td>
  <td valign=top style='width:72px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:79px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp; 261,660</p>
  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:294px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Net
  interest margin</p>
  </td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:72px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2,970</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:79px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.53 %</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,835</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3.08%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:294px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium'>
  &nbsp;</td>
  <td valign=top style='width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium' align="right">

  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:72px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:79px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium' align="right">

  &nbsp;</td>
  <td valign=top style='width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-bottom-style:none; border-bottom-width:medium' align="right">

  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:87px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  &nbsp;</td>
 </tr>
 <tr>
  <td valign=top style='border-style:none; border-width:medium; width:294px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-style:none; border-width:medium; width:108px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:72px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:79px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-style:none; border-width:medium; width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-style:none; border-width:medium; width:87px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:87px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:75px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=Notes style='margin-left:103.7pt;text-indent:-103.7pt'><sup>(1)</sup>&nbsp; Due to immaterial amount of income recognized on
tax-exempt securities, yields were not calculated on a tax equivalent basis.</p>

<p class=MsoNormal style='margin-left:117.0pt;text-indent:-117.0pt'><sup>(2)</sup>&nbsp; Loans on non-accrual
status are included in average balances.</p>

<p class=MsoFooter align=center style='text-align:center'>43</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>The following table sets
forth an analysis of the effect on net interest income of volume and rate
changes for the three months ended March 31, 2009 compared to the three months
ended March 31, 2008 (in thousands):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:630px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:12.1pt'>
  <td valign=top style='width:281px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><i>&nbsp;</i></p>
  </td>
  <td valign=bottom style='width:83px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:20px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=bottom style='width:75px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:10px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=bottom style='width:77px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr style='height:12.1pt'>
  <td valign=top style='width:281px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><i>&nbsp;</i></p>
  </td>
  <td colspan=5 valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:321px;border-bottom:1.0pt solid windowtext;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Increase (Decrease) Due
  to</b></p>
  </td>
 </tr>
 <tr style='height:12.1pt'>
  <td valign=top style='width:281px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><i>&nbsp;</i></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:83px;border-bottom:
  1.0pt solid windowtext;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Volume</b></p>
  </td>
  <td valign=top style='width:20px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=bottom style='width:75px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Rate</b></p>
  </td>
  <td valign=top style='width:10px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=bottom style='width:77px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Total</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:281px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Interest
  income:</b></p>
  </td>
  <td valign=top style='width:83px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:75px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:77px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:281px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'>Federal funds sold</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp; 1,002</p>
  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp; (938)</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp; 64</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:281px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt'>U.S. government agencies</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(1,082)</p>
  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>900</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(182)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:281px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'>State and political subdivisions-taxable</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(83)</p>
  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(82)</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(165)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:281px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt'>State and political subdivisions-non taxable</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(1)</p>
  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>4</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>3</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:281px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'>Mortgage backed securities</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>373</p>
  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(368)</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>5</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:281px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt'>Corporate bonds</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>145</p>
  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(147)</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(2)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:281px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'>Asset backed securities</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(5)</p>
  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(65)</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(70)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:281px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt'>FHLB and other capital stock</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>14</p>
  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(18)</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(4)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:281px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:1.8pt'>Loans</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>435</p>
  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:75px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(234)</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:77px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>201</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:281px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:1.8pt'>Loans held for sale</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:83px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>242</p>
  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>13</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:77px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>255</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:281px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:83px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp; 1,040</p>
  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:75px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp; (935)</p>
  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:77px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp; 105</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:281px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:83px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:20px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:75px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:10px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:77px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>



</div>
<div align="left">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:630px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:12.1pt'>
  <td valign=top style='width:279px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><i>&nbsp;</i></p>
  </td>
  <td valign=bottom style='width:83px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:19px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=bottom style='width:76px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:13px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=bottom style='width:76px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr style='height:12.1pt'>
  <td valign=top style='width:279px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><i>&nbsp;</i></p>
  </td>
  <td colspan=5 valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:323px;border-bottom:1.0pt solid windowtext;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Increase (Decrease) Due
  to</b></p>
  </td>
 </tr>
 <tr style='height:12.1pt'>
  <td valign=top style='width:279px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><i>&nbsp;</i></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:83px;border-bottom:
  1.0pt solid windowtext;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Volume</b></p>
  </td>
  <td valign=top style='width:19px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=bottom style='width:76px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Rate</b></p>
  </td>
  <td valign=top style='width:13px;height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=bottom style='width:76px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:12.1pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Total</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Interest
  expense:</b></p>
  </td>
  <td valign=top style='width:83px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:76px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:76px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Deposits:</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Demand deposits</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (20)</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 9</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; (11)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Money market accounts</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>(1,395)</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>695</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>(700)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'>Savings</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(1)</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(1)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Time deposits</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>(239)</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>(124)</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>(363)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>FHLB
  advances</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>23</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>22</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>45</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Federal
  funds and repurchase agreements</p>
  </td>
  <td valign=top style='width:83px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p class=MsoNormal align=right style='text-align:right'>--</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:83px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.5pt double windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp; (1,631)</p>
  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:76px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.5pt double windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp; 601</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:76px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.5pt double windowtext;border-right:medium none;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; (1,030)</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:279px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:83px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:19px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:76px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:76px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Increases and decreases
in interest income and interest expense result from changes in average balances
(volume) of interest-earning bank assets and liabilities, as well as changes in
average interest rates. The effect of changes in volume is determined by
multiplying the change in volume by the previous year's average yield/cost.
Similarly, the effect of rate changes is calculated by multiplying the change
in average yield/cost by the previous year's volume. Changes applicable to both
volume and rate have been allocated proportionately.</p>

<p class=MsoFooter align=center style='text-align:center'>44</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt'><b><i>Results of Operations - Other Segment</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following table presents consolidated
financial information for the Other segment for the periods presented (in
thousands, except percentages):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:755px;margin-left:5.4pt;border-collapse:collapse'>
 <tr style='height:11.2pt'>
  <td valign=top style='border-style:none; border-width:medium; width:255px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:472px;border-bottom:medium none windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
 <tr style='height:11.2pt'>
  <td valign=top style='width:255px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-top-style:none; border-top-width:medium'>

  </td>
  <td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:472px;border-bottom:1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Three Months Ended</b></p>
  </td>
 </tr>
 <tr style='height:11.2pt'>
  <td valign=top style='width:255px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td colspan=4 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:272px;border-bottom:1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31, 2009</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:8px;border-top:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=2 valign=top style='width:163px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31, 2008</b></p>
  </td>
 </tr>
 <tr style='height:11.2pt'>
  <td valign=top style='width:255px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:67px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
  <td valign=top style='width:13px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>&nbsp;</i></b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:66px;border-bottom:
  1.0pt solid windowtext;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><i>%</i><br>
  </b><i>Change</i></p>
  </td>
  <td valign=top style='width:8px;height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:76px;border-bottom:1.0pt solid windowtext;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Amount</b></p>
  </td>
  <td valign=bottom style='width:74px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.2pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>% of Net<br>
  Revenues</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:255px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>Net
  Revenues:</b>
  </p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 345</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>100%</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(74)%</p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,312</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>100%</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:255px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Non-Interest
  Expenses:</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:84px;border-top:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:67px;border-top:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:66px;border-top:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:76px;border-top:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:74px;border-top:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td valign=top style='width:255px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.3in;text-indent:-.15in'>Employee compensation
  and benefits</p>
  </td>
  <td valign=top style='width:84px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>12,693</p>
  </td>
  <td valign=top style='width:67px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>*</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:66px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(17)</p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:76px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>15,197</p>
  </td>
  <td valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>*</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:255px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal style='margin-left:.15in'>Other operating expenses</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>8,765</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>*</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:66px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>(12)</p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:76px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>9,944</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>*</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:255px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:19.8pt'><b>Total non-interest expenses</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>21,458</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>*</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:66px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>(15)</p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:76px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>25,141</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>8</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:255px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>Loss
  before income taxes</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:84px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp; (21,113)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:67px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>*</p>
  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:66px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>11%</p>
  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:76px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp; (23,829)</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:74px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>*</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:255px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:84px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:67px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:13px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:66px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:8px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:76px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:74px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt'>*&nbsp;&nbsp;&nbsp;Percentage is not meaningful.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Three Months Ended March
31, 2009 Compared with Three Months Ended March 31, 2008</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Net revenues decreased 74%
to $0.3 million for the three months ended March 31, 2009 compared to $1.3
million for the comparable period in 2008, principally as a result of a $1.9
million decrease in net interest revenues to $0.5 million for the three months
ended March 31, 2009 as a result of decreased interest charged for short-term
borrowings.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Employee compensation
and benefits decreased 17% to $12.7 million for the three months ended March
31, 2009 compared to $15.2 million for the comparable period in 2008. Employee
compensation and benefits decreased primarily due to lower production-based variable
compensation related to decreased profitability compared to the first quarter
of 2008, partially offset by an increase in support personnel during the first
quarter of 2009 as we continue our growth initiatives. Additionally, included
in &quot;Employee compensation and benefits&quot; are acquisition-related expenses
associated with the LM Capital Markets acquisition consisting principally of
compensation charges of $6.3 million for the three months ended March 31, 2008
primarily for amortization of units awarded to LM Capital Markets associates. As
these units were fully amortized as of December 31, 2008, we had no unit
amortization expense during the first quarter of 2009. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Other operating expenses
decreased 12% to $8.8 million for the three months ended March 31, 2009 compared
to $9.9 million for the comparable period in 2008. Other operating expenses decreased
primarily due to a decrease in data processing expense compared to the first
quarter of 2008 resulting from lower trading volumes as a result of the
continued market downturn.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Analysis of Financial Condition</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our company's consolidated
statements of financial condition consist primarily of cash and cash
equivalents, receivables, trading inventory, bank loans, investments, goodwill,
loans and advances to financial advisors and payables. Total assets of $2.0
billion at March 31, 2009 were up 30% over December 31, 2008. The increase is primarily
attributable to increased trading inventory. Our broker-dealer subsidiary's
gross assets and liabilities, including trading inventory, stock loan/borrow,
receivables and payables from/to brokers, dealers and clearing organizations
and clients, fluctuate with our business levels and overall market conditions.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>As of March 31, 2009,
our liabilities were comprised primarily of deposits of $459.3 million at
Stifel Bank and brokerage client payables of $146.0 million at our
broker-dealer subsidiaries, as well as accounts payable and accrued expenses,
including accrued employee compensation of $160.9 million. To meet our
obligations to clients and operating needs, we have approximately $286.7
million in cash. We also have client brokerage receivables of $270.8 million
and $171.4 million in loans at Stifel Bank.</p>

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<p class=MsoNormal style='margin-top:6.0pt'><b><i>Liquidity and Capital Resources</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Liquidity is essential
to our business. We regularly monitor our liquidity position, including our
cash and net capital positions, and we have implemented a liquidity strategy
designed to enable our business to continue to operate even under adverse
circumstances, although there can be no assurance that our strategy will be
successful under all circumstances.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our assets, consisting
mainly of cash or assets readily convertible into cash, are our principal
source of liquidity. The liquid nature of these assets provides for flexibility
in managing and financing the projected operating needs of the business. These
assets are financed primarily by our equity capital, debentures to trusts,
client credit balances, short-term bank loans, proceeds from securities
lending, and other payables. We currently finance our client accounts and firm
trading positions through ordinary course borrowings at floating interest rates
from various banks on a demand basis and securities lending, with company-owned
and client securities pledged as collateral. Changes in securities market
volumes, related client borrowing demands, underwriting activity, and levels of
securities inventory affect the amount of our financing requirements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our bank assets consist
principally of retained loans, available-for-sale securities, and cash and cash
equivalents. Stifel Bank's current liquidity needs are generally met through
deposits from bank clients and equity capital. We monitor the liquidity of
Stifel Bank daily to ensure its ability to meet customer deposit withdrawals,
maintain reserve requirements and support asset growth.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We rely exclusively on
financing activities and distributions from our subsidiaries for funds to
implement our business and growth strategies. Net capital rules, restrictions
under our long-term debt, or the borrowing arrangements of our subsidiaries, as
well as the earnings, financial condition, and cash requirements of our
subsidiaries, may each limit distributions to us from our subsidiaries.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have an ongoing
authorization, as amended, from the Board of Directors to repurchase our common
stock in the open market or in negotiated transactions. In May 2005, the Board
of Directors authorized the repurchase of an additional 3,000,000 shares, for a
total authorization to repurchase up to 4,500,000 shares (as adjusted for the
three-for-two stock split in June 2008). The share repurchase program will
manage our equity capital relative to the growth of our business and help to
meet obligations under our employee benefit plans. Under existing board
authorizations at March 31, 2009, we are permitted to buy an additional
2,010,831 shares. During the three months ended March 31, 2009, we issued 1,040,751
new shares for employee benefit plans.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We currently do not pay
cash dividends on our common stock.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We believe our existing
assets, most of which are liquid in nature, together with the funds from
operations, available informal short-term credit arrangements, long-term
borrowings, and our ability to raise additional capital will provide sufficient
resources to meet our present and anticipated financing needs.</p>

<p class=MsoNormal style='margin-top:6.0pt'><i>Cash Flow</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Cash and cash
equivalents increased $47.0 million to $286.7 million at March 31, 2009 from $239.7
million at December 31, 2008. Operating activities used $333.6 million of cash
primarily due an increase in operating assets and liabilities, offset by the net effect of
non-cash expenses and cash from earnings. Investing activities provided cash of $13.0 million due to net
proceeds from the sale of our available-for-sale securities and proprietary
investments and bank customer loan repayments, offset by cash used for bank
customer loan originations, and fixed asset purchases. During the three months
ended March 31, 2009, we purchased $3.8 million in fixed assets, consisting primarily
of information technology equipment, leasehold improvements and furniture and
fixtures. Financing activities provided cash of $367.5 million due to an
increase in bank deposits due to the growth of our bank and proceeds received
from borrowings from banks during the three months ended March 31, 2009.</p>

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<p class=MsoNormal style='margin-top:6.0pt'><i>Funding Sources</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our short-term financing
is generally obtained through the use of bank loans and securities lending
arrangements. We borrow from various banks on a demand basis with company-owned
and customer securities pledged as collateral. The value of the customer-owned
securities is not reflected in the consolidated statements of financial
condition. We maintain available ongoing credit arrangements with banks that
provided a peak daily borrowing of $263.8 million during the three months ended
March 31, 2009. There are no compensating balance requirements under these
arrangements. At March 31, 2009, short-term borrowings from banks were $163.5
million at an average rate of 1.06%, which were collateralized by company-owned
securities valued at $201.6 million. At December 31, 2008, there were no short-term
borrowings from banks. The average bank borrowing was $63.9 million and $114.7
million during the three months ended March 31, 2009 and 2008, respectively, at
weighted average daily interest rates of 0.81%, and 2.74%, respectively. At March
31, 2009 and December 31, 2008, Stifel Nicolaus had a stock loan balance of $29.7
million and $17.0 million, respectively, at weighted average daily interest
rates of 0.63% and 0.52%, respectively. The average outstanding securities
lending arrangements utilized in financing activities were $44.3 million and $162.9
million during the three months ended March 31, 2009 and 2008, respectively, at
weighted average daily effective interest rates of 0.84%, and 3.26%,
respectively. Customer-owned securities were utilized in these arrangements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The impact of the
tightened credit markets has resulted in decreased financing through stock loan
as our counterparties sought liquidity. As a result, bank loan financing used
to finance trading inventories increased.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stifel Bank has
borrowing capacity with the Federal Home Loan Bank of $121.9 million at March 31,
2009, of which $115.9 million was unused, and a $12.7 million federal funds
agreement for the purpose of purchasing short-term funds should additional
liquidity be needed. Stifel Bank receives overnight funds from excess cash held
in Stifel Nicolaus brokerage accounts, which are deposited into a money market
account. These balances totaled $418.0 million at March 31, 2009.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our liquidity
requirements may change in the event we need to raise more funds than
anticipated to increase inventory positions, support more rapid expansion,
develop new or enhanced services and products, acquire technologies, or respond
to other unanticipated liquidity requirements. We rely exclusively on financing
activities and distributions from our subsidiaries for funds to implement our
business and growth strategies, and repurchase our shares. Net capital rules,
restrictions under our long-term debt, or the borrowing arrangements of our
subsidiaries, as well as the earnings, financial condition, and cash
requirements of our subsidiaries, may each limit distributions to us from our
subsidiaries.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In the event existing
internal and external financial resources do not satisfy our needs, we may have
to seek additional outside financing. The availability of outside financing
will depend on a variety of factors, such as market conditions, the general
availability of credit, the volume of trading activities, the overall
availability of credit to the financial services industry, credit ratings, and
credit capacity, as well as the possibility that lenders could develop a
negative perception of our long-term or short-term financial prospects if we
incurred large trading losses or if the level of our business activity
decreased due to a market downturn or otherwise. We currently do not have a credit rating, which could adversely affect
our liquidity and competitive position by increasing our borrowing costs and
limiting access to sources of liquidity that require a credit rating as a
condition to providing funds.</p>

<p class=MsoNormal style='margin-top:6.0pt'><i>Use of Capital Resources</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In connection with ARS,
our broker-dealer subsidiaries have been subject to ongoing investigations,
which include inquiries from the SEC, FINRA and several state regulatory
agencies, with which we are cooperating fully. We are also named in a class
action lawsuit similar to that filed against a number of brokerage firms
alleging various securities law violations, which we are vigorously defending.
We are, in conjunction with other industry participants actively seeking a
solution to ARS' illiquidity, which may include the restructuring and
refinancing of those ARS. See Item 1, &quot;Legal Proceedings,&quot; in Part II of this
report for a discussion of our legal matters (including ARS).</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On March 23, 2009, we
entered into a definitive agreement with UBS Financial Services Inc. (&quot;UBS&quot;),
which was amended May 4, 2009,&nbsp; to
acquire up to 58 branches from the UBS Wealth Management Americas branch
network. The transaction is structured as an asset purchase for cash at a
premium over certain balance sheet items, subject to adjustment. The total
consideration includes: (1) an upfront cash payment of up to approximately
$29.0 million based on the actual number of branches and financial advisors
acquired; and (2) aggregate payments of up to approximately $21.1 million for
net fixed assets and employee loans. In addition, we will issue transition pay
in the form of upfront payments of up to $31.7 million. Of the upfront payments
issued to UBS financial advisors, we expect to pay 70% in cash and the
remaining in our company's stock units. A contingent earn-out payment is
payable based on the performance of UBS financial advisors, who become our employees,
over the two-year period following the closing. The closing of the acquisition
is subject to customary conditions and the approval of all required
governmental and other regulatory entities and is expected to occur during the
third quarter of 2009.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have paid $30.0 million in the form of upfront
notes to investment executives for transition pay during the period January 1,
2009 through April 30, 2009. As we continue to take advantage of the
opportunities created by market displacement and as competition for skilled
professionals in the industry increases, we may have to devote more significant
resources to attracting and retaining qualified personnel.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We expect to pay out the
contingent earn-out liability of $26.6 million related to our acquisition of
the LM Capital Markets business from Citigroup Inc. during the second quarter
of 2009.</p>

<p class=MsoNormal style='margin-top:6.0pt'><i>Net Capital Requirements</i></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We operate in a highly
regulated environment and are subject to net capital requirements, which may
limit distributions to our company from our broker-dealer subsidiaries. Distributions
from our broker-dealer subsidiaries are subject to net capital rules. These
subsidiaries have historically operated in excess of minimum net capital
requirements. However, if distributions were to be limited in the future due to
the failure of our subsidiaries to comply with the net capital rules or a
change in the net capital rules, it could have a material and adverse affect to
our company by limiting our operations that require intensive use of capital,
such as underwriting or trading activities, or limit our ability to implement our
business and growth strategies, pay interest on and repay the principal of our
debt, and/or repurchase our common stock. Our non broker-dealer subsidiary,
Stifel Bank is also subject to various regulatory capital requirements
administered by the federal banking agencies.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At March 31, 2009,
Stifel Nicolaus had net capital of $163.3 million, which was 49.5% of its
aggregate debit items, and $156.7 million in excess of its minimum required net
capital; CSA had net capital of $2.3 million, which was $2.1 million in excess
of its minimum required net capital; Butler Wick had net capital of $6.1 million
which was $5.9 million in excess of its minimum required net capital. At March
31, 2009, SN Ltd had capital and reserves of $7.9 million, which was $7.6 million
in excess of the financial resources requirement under the rules of the FSA. At
March 31, 2009, Stifel Bank was considered well capitalized under the
regulatory framework for prompt corrective action. See Note 11 of the Notes to Condensed
Consolidated Financial Statements for details of our regulatory capital
requirements.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Critical Accounting Policies and Estimates</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In preparing our
consolidated financial statements in accordance with generally accepted accounting
principles and pursuant to the rules and regulations of the SEC, we make
assumptions, judgments and estimates that affect the reported amounts of
assets, liabilities, revenues and expenses, and related disclosures of contingent
assets and liabilities. We base our assumptions, judgments and estimates on
historical experience and various other factors that we believe to be
reasonable under the circumstances. Actual results could differ materially from
these estimates under different assumptions or conditions. On a regular basis,
we evaluate our assumptions, judgments and estimates. We also discuss our
critical accounting policies and estimates with the Audit Committee of the
Board of Directors.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We believe that the
assumptions, judgments and estimates involved in the accounting policies
described below have the greatest potential impact on our consolidated
financial statements. These areas are key components of our results of
operations and are based on complex rules that require us to make assumptions, judgments
and estimates, so we consider these to be our critical accounting policies.
Historically, our assumptions, judgments and estimates relative to our critical
accounting policies and estimates have not differed materially from actual
results.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>For a full description
of these and other accounting policies, see Note 1 of the Notes to Consolidated
Financial Statements included in our Annual Report on Form 10-K for the year
ended December 31, 2008.</p>

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<p class=MsoNormal style='margin-top:6.0pt'><b><i>Valuation of Financial Instruments</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Trading securities owned
and pledged and trading securities sold, but not yet purchased, are carried at
fair value on the consolidated statements of financial condition, with
unrealized gains and losses reflected in the condensed consolidated statements
of operations.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We adopted SFAS No. 157,
&quot;Fair Value Measurements&quot; (&quot;SFAS 157&quot;) during the first quarter of 2008. SFAS
157 defines
fair value, establishes guidelines for measuring fair value and expands
disclosures regarding fair value measurements. During the fourth quarter of
2008, both the Financial Accounting Standards Board (&quot;FASB&quot;) and the staff of
the SEC re-emphasized the importance of sound fair value measurement in
financial reporting. In October 2008, the FASB issued FASB Staff Position No.
FAS 157-3 (&quot;FSP FAS 157-3&quot;), &quot;Determining Fair Value of a Financial Asset When
the Market for That Asset is Not Active.&quot; This statement clarifies that
determining fair value in an inactive market or dislocated market depends on
facts and circumstances and requires significant judgment. This statement
specifies that it is acceptable to use inputs based on management estimates or
assumptions, or for management to make adjustments to observable inputs to
determine fair value when markets are not active and relevant observable inputs
are not available. Our fair value measurement policies are consistent with the
guidance in FSP FAS 157-3.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>SFAS 157 defines &quot;fair value&quot; as the price that would
be received to sell an asset or paid to transfer a liability in an orderly transaction
between market participants at the measurement date, or an exit price. The
degree of judgment used in measuring the fair value of financial instruments
generally correlates to the level of pricing observability. Financial
instruments with readily available active quoted prices or for which fair value
can be measured from actively quoted prices in active markets generally have
more pricing observability and less judgment used in measuring fair value.
Conversely, financial instruments rarely traded or not quoted have less pricing
observability and are measured at fair value using valuation models that
require more judgment. Pricing observability is impacted by a number of
factors, including the type of financial instrument, whether the financial instrument
is new to the market and not yet established, the characteristics specific to
the transaction, and overall market conditions generally. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>When available, we use observable market prices,
observable market parameters, or broker or dealer prices (bid and ask prices)
to derive the fair value of financial instruments. In the case of financial
instruments transacted on recognized exchanges, the observable market prices
represent quotations for completed transactions from the exchange on which the
financial instrument is principally traded.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>A substantial percentage of the fair value of our trading
securities and other investments owned, trading securities pledged as
collateral, and trading securities sold, but not yet purchased, are based on
observable market prices, observable market parameters, or derived from broker
or dealer prices. The availability of observable market prices and pricing
parameters can vary from product to product. Where available, observable market
prices and pricing or market parameters in a product may be used to derive a
price without requiring significant judgment. In certain markets, observable
market prices or market parameters are not available for all products, and fair
value is determined using techniques appropriate for each particular product.
These techniques involve some degree of judgment. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>For investments in illiquid or privately held
securities that do not have readily determinable fair values, the determination
of fair value requires us to estimate the value of the securities using the
best information available. Among the factors we consider in determining the fair value
of investments are the cost of the investment, terms and liquidity,
developments since the acquisition of the investment, the sales price of
recently issued securities, the financial condition and operating results of
the issuer, earnings trends and consistency of operating cash flows, the
long-term business potential of the issuer, the quoted market price of
securities with similar quality and yield that are publicly traded, and other
factors generally pertinent to the valuation of investments. In instances where a security is subject to transfer
restrictions, the value of the security is based primarily on the quoted price
of a similar security without restriction but may be reduced by an amount
estimated to reflect such restrictions. The fair value of these investments is subject
to a high degree of volatility and may be susceptible to significant
fluctuation in the near term and the differences could be material.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have categorized our financial instruments measured
at fair value into a three-level classification in accordance with SFAS 157.
Fair value measurements of financial instruments that use quoted prices in
active markets for identical assets or liabilities are generally categorized as
Level I, and fair value measurements of financial instruments that have no
direct observable levels are generally categorized as Level III. All other fair
value measurements of financial instruments that do not fall within the Level I
or Level III classification are considered Level II. The lowest level input
that is significant to the fair value measurement of a financial instrument is
used to categorize the instrument and reflects the judgment of management.
Financial assets and liabilities presented as fair value in our consolidated
statements of financial condition generally are categorized as follows: </p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-align:justify'>Level I - Quoted prices (unadjusted) are available in
active markets for identical assets or liabilities as of the measurement date.
A quoted price for an identical asset or liability in an active market provides
the most reliable fair value measurement because it is directly observable to
the market. The type of financial instruments included in Level I are highly
liquid instruments with quoted prices such as equities listed in active markets
and certain U.S. Treasury bonds and other government obligations. </p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-align:justify'>Level II - Pricing inputs are other than quoted prices
in active markets, which are either directly or indirectly observable as of the
measurement date. The nature of these financial instruments include instruments
for which quoted prices are available but traded less frequently, derivative
instruments whose fair value have been derived using a model where inputs to
the model are directly observable in the market, or can be derived principally
from or corroborated by observable market data, and instruments that are fair
valued using other financial instruments, the parameters of which can be
directly observed. Instruments which are generally included in this category
are equity
securities not actively traded, corporate obligations infrequently traded, certain
government and municipal obligations, certain bank notes, interest rate swaps,
certain asset-backed securities consisting of collateral loan obligation
securities, and certain mortgage-backed securities. </p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-align:justify'>Level III - Instruments that have little to no pricing
observability as of the measurement date. These financial instruments do not
have two-way markets and are measured using management's best estimate of fair
value, where the inputs into the determination of fair value require
significant management judgment or estimation. Instruments included in this
category generally include equity securities with unobservable inputs, certain corporate
obligations with unobservable pricing inputs, auction rate securities, certain
airplane trust certificates, limited partnerships, and other company
investments.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our investments in auction
rate securities are backed by state municipal student loan bonds and closed-end
mutual fund owned corporate stocks and bonds. These auction rate securities
have been deemed to be illiquid and, as a result, have been valued using
unobservable inputs.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At March 31, 2009, Level III assets for which we bear
economic exposure were $37.8 million, or 6% of the total assets measured at
fair value. During the three months ended March 31, 2009, we recorded net purchases
of $0.7 million of Level III assets. Our valuation adjustments (realized and
unrealized) reduced the value of our Level III assets by $1.2 million.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>At March 31, 2009, Level III assets included the
following: $20.0 million of auction rate securities, of which the auctions have
failed, $8.3 million of asset-backed securities, and $9.4 million of private
equity and other fixed income securities.</p>

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<b><i>Contingencies</i></b><p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We are involved in various pending and potential legal
proceedings related to our business, including litigation, arbitration and
regulatory proceedings. Some of these matters involve claims for substantial
amounts, including claims for punitive damages. We have, after consultation
with outside legal counsel and consideration of facts currently known by
management, recorded estimated losses in accordance with SFAS No. 5,
&quot;Accounting for Contingencies,&quot; (&quot;SFAS 5&quot;) to the extent that claims are
probable of loss and the amount of the loss can be reasonably estimated. The
determination of these reserve amounts requires us to use significant judgment and
our final liabilities may ultimately be materially different. This determination is
inherently subjective, as it requires estimates that are subject to potentially
significant revision as more information becomes available and due to
subsequent events. In making these
determinations, we consider many factors, including, but not limited to, the
loss and damages sought by the plaintiff or claimant, the basis and validity of
the claim, the likelihood of a successful defense against the claim, and the
potential for, and magnitude of, damages or settlements from such pending and
potential litigation and arbitration proceedings, and fines and penalties or
orders from regulatory agencies. See Item 1, &quot;Legal Proceedings,&quot; in Part II of this
report for information on our legal, regulatory and arbitration proceedings.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Allowance for
Doubtful Receivables from Former Employees</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We offer transition pay,
principally in the form of upfront loans, to financial advisors and certain key
revenue producers as part of our overall growth strategy. These loans are
generally forgiven over a five- to ten-year period if the individual satisfies
certain conditions, usually based on continued employment and certain
performance standards. If the individual leaves before the term of the loan
expires or fails to meet certain performance standards, the individual is
required to repay the balance. In determining the allowance for doubtful
receivables from former employees, we consider the facts and circumstances
surrounding each receivable, including the amount of the unforgiven balance,
the reasons for the terminated employment relationship, and the former
employees' overall financial position. The loan balance from former employees
at March 31, 2009 and December 31, 2008 was $2.5 million and $2.4 million,
respectively, with associated loss allowances of $1.1 million and $1.2 million,
respectively.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Allowance for Loan Losses</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We regularly review the
loan portfolio of Stifel Bank and have established an allowance for loan losses
in accordance with SFAS 5. The allowance for loan losses is established as
losses are estimated to have occurred through a provision for loan losses
charged to income. In providing for the allowance for loan losses, we consider
historical loss experience, the nature and volume of the loan portfolio,
adverse situations that may affect the borrower's ability to repay, estimated
value of any underlying collateral and prevailing economic conditions. This
evaluation is inherently subjective as it requires estimates that are
susceptible to significant revision as more information becomes available.
Large groups of smaller balance homogenous loans are collectively evaluated for
impairment. Accordingly, we do not separately identify individual consumer and
residential loans for impairment measurements. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition, impairment
is measured on a loan-by loan basis for commercial and construction loans and a
specific allowance established for individual loans determined to be impaired
in accordance with SFAS No. 114, &quot;Accounting by Creditors for Impairment of a
Loan.&quot; Impairment is measured using the present value of the impaired loan's
expected cash flow discounted at the loan's effective interest rate, the loan's
observable market price, or the fair value of the collateral if the loan is
collateral dependent. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>A loan is considered
impaired when, based on current information and events, it is probable that the
scheduled payments of principal or interest when due according to the
contractual terms of the loan agreement will not be collectible. Factors
considered in determining impairment include payment status, collateral value
and the probability of collecting scheduled principal and interest payments
when due. Loans that experience insignificant payment delays and payment
shortfalls generally are not classified as impaired. We determine the
significance of payment delays and payment shortfalls on a case-by-case basis,
taking into consideration all of the circumstances surrounding the loan and the
borrower, including the length of the delay, the reasons for the delay, the
borrower's prior payment record and the amount of the shortfall in relation to
the principal and interest owed. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Once a loan is
determined to be impaired, usually when principal or interest becomes 90 days
past due or when collection becomes uncertain, the accrual of interest and
amortization of deferred loan origination fees is discontinued (&quot;non-accrual
status&quot;), and any accrued and unpaid interest income is written off. Loans
placed on non-accrual status are returned to accrual status when all delinquent
principal and interest payments are collected and the collectibility of future
principal and interest payments is reasonably assured. Loan losses are charged
against the allowance when we believe the uncollectibility of a loan balance is
confirmed. Subsequent recoveries, if any, are credited to the allowance.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Income Taxes</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The provision for income
taxes and related tax reserves is based on our consideration of known
liabilities and tax contingencies for multiple taxing authorities. Known
liabilities are amounts that will appear on current tax returns, amounts that
have been agreed to in revenue agent revisions as the result of examinations by
the taxing authorities and amounts that will follow from such examinations but
affect years other than those being examined. Tax contingencies are liabilities
that might arise from a successful challenge by the taxing authorities taking a
contrary position or interpretation regarding the application of tax law to our
tax return filings. Factors considered in estimating our liability are results
of tax audits, historical experience, and consultation with tax attorneys and
other experts.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>FASB Interpretation No. 48
(&quot;FIN 48&quot;) &quot;Accounting for Uncertainty in Income Taxes-An interpretation of FAS
Statement No. 109,&quot; clarified the accounting for uncertainty in income taxes
recognized in an entity's financial statements in accordance with SFAS No. 109
and prescribed recognition threshold and measurement attributes for financial
statement disclosure of tax positions taken or expected to be taken on a tax
return. Under FIN 48, the impact of an uncertain income tax position on the
income tax return must be recognized at the largest amount that is
more-likely-than-not to be sustained upon audit by the relevant taxing
authority. An uncertain income tax position will not be recognized if it has
less than a 50% likelihood of being sustained. Additionally, FIN 48 provided
guidance on derecognition, classification, interest and penalties, accounting
in interim periods, disclosure and transition.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Goodwill and Intangible Assets</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In December 2007, the FASB issued SFAS No. 141
(revised 2007) (&quot;SFAS 141R&quot;), &quot;Business Combinations,&quot; which will change how
business acquisitions are accounted for and will impact financial statements
both on the acquisition date and in subsequent periods. We adopted SFAS 141R in
the first quarter of 2009. We record all assets and liabilities acquired
in purchase acquisitions, including goodwill and other intangible assets, at
fair value. Determining the fair value of assets and liabilities requires certain
estimates. At March 31, 2009, we had goodwill of $131.4 million and intangible
assets of $16.9 million. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In accordance with SFAS No. 142, &quot;Goodwill and Other
Intangible Assets,&quot; indefinite-life intangible assets and goodwill are not
amortized. Rather, they are subject to impairment testing on an annual basis,
or more often if events or circumstances indicate there may be impairment. This
test involves assigning tangible assets and liabilities, identified intangible
assets and goodwill to reporting units and comparing the fair value of each
reporting unit to its carrying amount. If the fair value is less than the
carrying amount, a further test is required to measure the amount of the
impairment. We have elected to test for goodwill impairment in the third
quarter of each calendar year. The results of the impairment test performed as
of July 31, 2008 did not indicate any impairment.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The goodwill impairment test is a two-step process,
which requires us to make judgments in determining what assumptions to use in
the calculation. Assumptions, judgments and estimates about future cash flows
and discount rates are complex and often subjective. They can be affected by a
variety of factors, including, among others, economic trends and market
conditions, changes in revenue growth trends or business strategies,
unanticipated competition, discount rates, technology, or government
regulations. In assessing the fair value of our reporting units, the volatile
nature of the securities markets and industry requires us to consider the
business and market cycle and assess the stage of the cycle in estimating the
timing and extent of future cash flows. In addition to discounted cash flows,
we consider other information such as public market comparables and multiples
of recent mergers and acquisitions of similar businesses. Although we believe
the assumptions, judgments and estimates we have made in the past have been
reasonable and appropriate, different assumptions, judgments and estimates
could materially affect our reported financial results.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Recent Accounting Pronouncements</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>See Note 1 of the Notes
to Condensed Consolidated Financial Statements for information regarding the
effect of new accounting pronouncements on our consolidated financial statements.</p>

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<p class=MsoNormal style='margin-top:6.0pt'><b><i>Off-balance Sheet Arrangements</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Information concerning
our off-balance sheet arrangements is included in Note 13 of the Notes to Condensed
Consolidated Financial Statements. Such information is hereby incorporated by
reference.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Contractual Obligations</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The following item
constitutes a material change in our contractual obligations outside the
ordinary course of business from those reported in our Annual Report on Form
10-K for the year ended December 31, 2008:</p>

<p class=Default style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On April 9, 2009, we announced that Stifel Nicolaus
was providing its clients with details on how they can participate in our
previously announced voluntary repurchase plan of eligible ARS purchased at
Stifel Nicolaus prior to the collapse of the ARS market in February 2008. The
voluntary plan will, upon acceptance by clients, contractually obligate us to
repurchase up to 100 percent of eligible ARS. We estimate that our retail
clients held approximately $172.0 million of eligible ARS as of April 30, 2009.
See Item 1, &quot;Legal Proceedings,&quot; in Part II of this report for further details
regarding our voluntary repurchase plan of eligible ARS.</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.5in'><b><i><a name="ITEM_3.">ITEM 3.</a>&nbsp; QUANTITATIVE
AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Risk Management</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Risks are an inherent
part of our business and activities. Management of these risks is critical to our
soundness and profitability. Risk management at our company is a multi-faceted
process that requires communication, judgment, and knowledge of financial
products and markets. Our senior management group takes an active role in the
risk management process and requires specific administrative and business
functions to assist in the identification, assessment, monitoring, and control
of various risks. The principal risks involved in our business activities are:
market (interest rates and equity prices), credit, operational, and regulatory
and legal.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Market Risk</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The potential for
changes in the value of financial instruments owned by our company resulting
from changes in interest rates and equity prices is referred to as &quot;market risk.&quot;
Market risk is inherent to financial instruments, and accordingly, the scope of
our market risk management procedures includes all market risk-sensitive
financial instruments.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We trade tax-exempt and
taxable debt obligations, including U.S. Treasury bills, notes, and bonds; U.S.
government agency and municipal notes and bonds; bank certificates of deposit;
mortgage-backed securities; and corporate obligations. We are also an active
market-maker in over-the-counter equity securities. In connection with these
activities, we may maintain inventories in order to ensure availability and to
facilitate customer transactions.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Changes in value of our
financial instruments may result from fluctuations in interest rates, credit
ratings, equity prices, and the correlation among these factors, along with the
level of volatility.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We manage our trading
businesses by product and have established trading departments that have
responsibility for each product. The trading inventories are managed with a
view toward facilitating client transactions, considering the risk and
profitability of each inventory position. Position limits in trading inventory
accounts are established and monitored on a daily basis. We monitor inventory
levels and results of the trading departments, as well as inventory aging,
pricing, concentration, and securities ratings. The following table primarily
represents trading inventory associated with our customer facilitation and
market-making activities and includes net long and short fair values, which is
consistent with the way risk exposure is managed (in thousands):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:768px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:11.7pt'>
  <td width=202 valign=top style='width:151.85pt;padding:0in 5.4pt 0in 5.4pt;
  height:11.7pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=bottom style='width:249px;height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:21px;height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=bottom style='width:254px;height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr style='height:11.7pt'>
  <td width=202 valign=top style='width:151.85pt;padding:0in 5.4pt 0in 5.4pt;
  height:11.7pt'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=bottom style='width:249px;height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>2009</b></p>
  </td>
  <td valign=top style='width:21px;height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td colspan=3 valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:254px;border-bottom:1.0pt solid windowtext;height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'>2008</p>
  </td>
 </tr>
 <tr style='height:11.7pt'>
  <td width=202 valign=top style='width:151.85pt;padding:0in 5.4pt 0in 5.4pt;
  height:11.7pt'>
  <p class=MsoNormal><b><br>
  <br>
  Securities,
  at fair value</b></p>
  </td>
  <td width=101 valign=bottom style='width:75.45pt;border-top:solid windowtext 1.0pt;
  border-left:none;border-bottom:solid windowtext 1.0pt;border-right:none;
  padding:0in 5.4pt 0in 5.4pt;height:11.7pt'>
  <p class=MsoNormal align=center style='text-align:center'><b>Owned</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:27px;border-top:1.0pt solid windowtext;
  height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:95px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Sold, But<br>
  Not
  Yet<br>
  Purchased</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:21px;border-top:1.0pt solid windowtext;
  height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:
  1.0pt solid windowtext;height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Owned</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:29px;border-top:1.0pt solid windowtext;
  height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:106px;border-top:1.0pt solid windowtext;
  border-left:medium none;border-bottom:1.0pt solid windowtext;border-right:medium none;
  height:11.7pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Sold, But<br>
  Not
  Yet<br>
  Purchased</b></p>
  </td>
 </tr>
 <tr>
  <td width=202 valign=top style='width:151.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>U.S. government
  obligations</p>
  </td>
  <td width=101 valign=top style='width:75.45pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 83,217</b></p>
  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp;&nbsp;&nbsp; 92,707</b></p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:94px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 40,401</p>
  </td>
  <td valign=top style='width:29px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:106px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 33,279</p>
  </td>
 </tr>
 <tr>
  <td width=202 valign=top style='width:151.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>State
  and municipal bonds</p>
  </td>
  <td width=101 valign=top style='width:75.45pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>55,722</b></p>
  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>305</b></p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32,093</p>
  </td>
  <td valign=top style='width:29px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 154</p>
  </td>
 </tr>
 <tr>
  <td width=202 valign=top style='width:151.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Corporate
  obligations</p>
  </td>
  <td width=101 valign=top style='width:75.45pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>270,552</b></p>
  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:95px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>163,572</b></p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:94px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 43,131</p>
  </td>
  <td valign=top style='width:29px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:106px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 62,012</p>
  </td>
 </tr>
 <tr>
  <td width=202 valign=top style='width:151.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Corporate
  stocks</p>
  </td>
  <td width=101 valign=top style='width:75.45pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal align=right style='text-align:right'><b>17,604</b></p>
  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'><b>4,100</b></p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 25,460</p>
  </td>
  <td valign=top style='width:29px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=right style='text-align:right'>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,489</p>
  </td>
 </tr>
 <tr>
  <td width=202 valign=top style='width:151.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=101 valign=top style='width:75.45pt;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp; 427,095</b></p>
  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:95px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'><b>$&nbsp;&nbsp; 260,684</b></p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:94px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp; 141,085</p>
  </td>
  <td valign=top style='width:29px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:106px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal align=right style='text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 98,934</p>
  </td>
 </tr>
 <tr>
  <td width=202 valign=top style='width:151.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=101 valign=top style='width:75.45pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:94px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:29px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:106px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td width=202 valign=top style='width:151.85pt;padding:0in 5.4pt 0in 5.4pt'>

  &nbsp;</td>
  <td width=101 valign=top style='width:75.45pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  &nbsp;</td>
  <td valign=top style='width:27px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:95px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:94px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:29px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:106px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
 </tr>
</table>

</div>

<p class=MsoNormal style='text-align:justify;text-indent:.25in'>We are also exposed to
market risk based on our other investing activities. These investments consist
of investments in private equity partnerships, start up companies, venture
capital investments and zero coupon U.S. government securities and are included
under the caption &quot;Investments&quot; on the condensed consolidated statements of financial
condition.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Interest Rate Risk</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We are exposed to
interest rate risk as a result of maintaining inventories of interest
rate-sensitive financial instruments and from changes in the interest rates on our
interest-earning assets (including client loans, stock borrow activities,
investments, and inventories) and our funding sources (including client cash
balances, stock lending activities, bank borrowings, and resale agreements),
which finance these assets. The collateral underlying financial instruments at
the broker-dealer is repriced daily, thus requiring collateral to be delivered
as necessary. Interest rates on client balances and stock borrow and lending
produce a positive spread to our company, with the rates generally fluctuating
in parallel.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We manage our inventory
exposure to interest rate risk by setting and monitoring limits and, where
feasible, hedging with offsetting positions in securities with similar interest
rate risk characteristics. While a significant portion of our securities
inventories have contractual maturities in excess of five years, these
inventories, on average, turn over several times per year.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Additionally, we
monitor, on a daily basis, the Value-at-Risk (&quot;VaR&quot;) in our institutional Fixed
Income Capital Markets trading portfolios using daily market data for the
previous twelve months and report VaR at a 95% confidence level. VaR is a
statistical technique used to estimate the probability of portfolio losses
based on the statistical analysis of historical price trends and volatility.
This model assumes that historical changes in market conditions are
representative of future changes, and trading losses on any given day could
exceed the reported VaR by significant amounts in unusual volatile markets.
Further, the model involves a number of assumptions and inputs. While we believe
that the assumptions and inputs we use in our risk model are reasonable,
different assumptions and inputs could produce materially different VaR
estimates. </p>

<p class=MsoFooter align=center style='text-align:center'>54</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The following table sets
forth the high, low, and daily average VaR for our institutional Fixed Income
Capital Markets trading portfolios during the three months ended March 31, 2009
and the daily VaR at March 31, 2009 and December 31, 2008 (in thousands, except
rates):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:745px;margin-left:.1in;border-collapse:collapse'>
 <tr style='height:16.6pt'>
  <td width=154 valign=top style='border-style:none; border-width:medium; width:115.65pt;height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td width=97 valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:72.8pt;border-top:medium none windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:97px;border-top:medium none windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:102px;border-top:medium none windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:12px;border-top:medium none windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:172px;border-top:medium none windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:118px;border-top:medium none windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
 </tr>
 <tr style='height:16.6pt'>
  <td width=154 valign=top style='width:115.65pt;height:16.6pt; border-top-style:none; border-top-width:medium; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; border-top:medium none windowtext; height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' colspan="3">
  <p align="center"><b>Three Months Ended March 31, 2009</b></td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:12px;border-top:medium none windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; border-top:medium none windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' colspan="2">
  <p align="center"><b>VaR Calculation at</b></td>
 </tr>
 <tr style='height:16.6pt'>
  <td width=154 valign=top style='width:115.65pt;padding:0in 5.4pt 0in 5.4pt;
  height:16.6pt'>
  <p class=MsoHeading8 style='margin-left:0in'><b>&nbsp;</b></p>
  </td>
  <td width=97 valign=top style='width:72.8pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt;height:16.6pt'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  High</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:97px;border-top:1.0pt solid windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b><br>
  Low</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:102px;border-top:1.0pt solid windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Daily Average</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:12px;border-top:1.0pt solid windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'>&nbsp;</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:172px;border-top:1.0pt solid windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>March 31, 2009</b></p>
  </td>
  <td valign=bottom style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:118px;border-top:1.0pt solid windowtext;
  height:16.6pt; padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>December 31, 2008</b></p>
  </td>
 </tr>
 <tr>
  <td width=154 valign=top style='width:115.65pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>Daily
  VaR</p>
  </td>
  <td width=97 valign=top style='width:72.8pt;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 5,849</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:97px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 431</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:102px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 1,404</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:12px;border-top:medium none windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:172px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 780</p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:118px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 467</p>
  </td>
 </tr>
 <tr>
  <td width=154 valign=top style='width:115.65pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Related
  portfolio value</p>
  </td>
  <td width=97 valign=top style='width:72.8pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 127,620</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 58,944</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 51,435</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in; border-top-style:none; border-top-width:medium'>
  &nbsp;</td>
  <td valign=top style='width:172px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp; 161,971</p>
  </td>
  <td valign=top style='width:118px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 19,157</p>
  </td>
 </tr>
 <tr>
  <td width=154 valign=top style='width:115.65pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal style='margin-left:.15in;text-indent:-.15in'>VaR as a percent of
  portfolio value</p>
  </td>
  <td width=97 valign=top style='width:72.8pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 4.58%</p>
  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.73 %</p>
  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.73%</p>
  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  &nbsp;</td>
  <td valign=top style='width:172px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><a name="OLE_LINK17"><br>
  </a>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.48 %</p>
  </td>
  <td valign=top style='width:118px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">
  <p class=MsoNormal><br>
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 2.44 %</p>
  </td>
 </tr>
 <tr>
  <td width=154 valign=top style='width:115.65pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=97 valign=top style='width:72.8pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:172px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:118px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
 <tr>
  <td width=154 valign=top style='width:115.65pt;padding:0in 5.4pt 0in 5.4pt'>

  &nbsp;</td>
  <td width=97 valign=top style='width:72.8pt;padding:0in 5.4pt 0in 5.4pt'>

  &nbsp;</td>
  <td valign=top style='width:97px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:102px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:12px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:172px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
  <td valign=top style='width:118px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  &nbsp;</td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stifel Bank's interest
rate risk is principally associated with changes in market interest rates
related to residential, consumer, and commercial lending activities, as well as
FDIC-insured deposit accounts to customers of our broker-dealer subsidiaries
and to the general public. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our primary emphasis in
interest rate risk management for Stifel Bank is the matching of assets and
liabilities of similar cash flow and re-pricing time frames. This matching of
assets and liabilities reduces exposure to interest rate movements and aids in
stabilizing positive interest spreads. Stifel Bank has established limits for
acceptable interest rate risk and acceptable portfolio value risk. To ensure that
Stifel Bank is within the limits established for net interest margin, an
analysis of net interest margin based on various shifts in interest rates is
prepared each quarter and presented to Stifel Bank's Board of Directors. Stifel
Bank utilizes a third party vendor to analyze the available data. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>The following table
illustrates the estimated change in net interest margin at March 31, 2009 based
on shifts in interest rates of up to positive 200 basis points and negative 200
basis points: </p>

<div align=center>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=320
 style='width:240.25pt;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=156 valign=top style='width:117.1pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b><i>&nbsp;</i></b></p>
  </td>
  <td width=16 valign=top style='width:11.85pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=148 valign=top style='width:111.3pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr>
  <td width=156 valign=top style='width:117.1pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Hypothetical Change<br>
  in
  Interest Rates</b></p>
  </td>
  <td width=16 valign=top style='width:11.85pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=148 valign=top style='width:111.3pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Projected Change in<br>
  Net
  Interest Margin</b></p>
  </td>
 </tr>
 <tr>
  <td width=156 valign=top style='width:117.1pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center'>+200</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=148 valign=top style='width:111.3pt;border:none;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p align=right style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:71.4pt;margin-bottom:.0001pt;text-align:right'>n/a</p>
  </td>
 </tr>
 <tr style='height:.1in'>
  <td width=156 valign=top style='width:117.1pt;padding:0in 5.4pt 0in 5.4pt;
  height:.1in'>
  <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center'>+100</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt;
  height:.1in'>

  </td>
  <td width=148 valign=top style='width:111.3pt;padding:0in 5.4pt 0in 5.4pt;
  height:.1in'>
  <p align=right style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:62.1pt;margin-bottom:.0001pt;text-align:right'>n/a</p>
  </td>
 </tr>
 <tr>
  <td width=156 valign=top style='width:117.1pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center'>0</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=148 valign=top style='width:111.3pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p align=right style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:56.5pt;margin-bottom:.0001pt;text-align:right'>0.00%</p>
  </td>
 </tr>
 <tr>
  <td width=156 valign=top style='width:117.1pt;padding:0in 5.4pt 0in 5.4pt'>
  <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center'>-100</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=148 valign=top style='width:111.3pt;padding:0in 5.4pt 0in 5.4pt'>
  <p align=right style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:56.5pt;margin-bottom:.0001pt;text-align:right'>(1.16)%</p>
  </td>
 </tr>
 <tr>
  <td width=156 valign=top style='width:117.1pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center'>-200</p>
  </td>
  <td width=16 valign=top style='width:11.85pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=148 valign=top style='width:111.3pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p align=right style='margin-top:0in;margin-right:0in;margin-bottom:0in;
  margin-left:53.1pt;margin-bottom:.0001pt;text-align:right'>(9.82)%</p>
  </td>
 </tr>
 <tr>
  <td width=156 valign=top style='width:117.1pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=16 valign=top style='width:11.85pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=148 valign=top style='width:111.3pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=156 valign=top style='width:117.1pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  &nbsp;</td>
  <td width=16 valign=top style='width:11.85pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  &nbsp;</td>
  <td width=148 valign=top style='width:111.3pt;border:none;padding:0in 5.4pt 0in 5.4pt'>

  &nbsp;</td>
 </tr>
</table>

</div>

<p class=MsoFooter align=center style='text-align:center'>55</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:6.0pt;
margin-left:0in;text-align:justify;text-indent:.25in'>The following GAP Analysis table
indicates Stifel Bank's interest rate sensitivity position at March 31, 2009
(in thousands):</p>

<div align="left">

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='width:744px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td width=236 valign=top style='width:176.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b><i>&nbsp;</i></b></p>
  </td>
  <td width=102 valign=top style='width:76.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>&nbsp;</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>&nbsp;</b></p>
  </td>
  <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>&nbsp;</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:89px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>&nbsp;</b></p>
  </td>
 </tr>
 <tr>
  <td width=236 valign=top style='width:176.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b><i>&nbsp;</i></b></p>
  </td>
  <td colspan=7 valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:530px;border-bottom:
  1.0pt solid windowtext;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center'><b>Repricing
  Opportunities</b></p>
  </td>
 </tr>
 <tr>
  <td width=236 valign=top style='width:176.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b><i>&nbsp;</i></b></p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center'><br>
  <b>0-6
  Months</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>&nbsp;</b></p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center'><br>
  <b>7-12 Months</b></p>
  </td>
  <td width=19 valign=top style='width:.2in;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:89px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center'><br>
  <b>1-5
  Years</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:21px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>&nbsp;</b></p>
  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:105px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center'><br>
  <b>5+
  Years</b></p>
  </td>
 </tr>
 <tr>
  <td width=236 valign=top style='width:176.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>Interest Earning
  Assets:</b></p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-top:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:89px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-bottom:medium none; width:105px;border-top:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' bgcolor="#FFCC99">

  </td>
 </tr>
 <tr>
  <td width=236 valign=top style='width:176.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Loans</p>
  </td>
  <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp;&nbsp; 129,633</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp;&nbsp; 28,920</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td valign=top style='width:89px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp; 47,118</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp;&nbsp; 15,328</p>
  </td>
 </tr>
 <tr>
  <td width=236 valign=top style='width:176.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt'>Securities</p>
  </td>
  <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>152,590</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>3,273</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:89px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>3,734</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>6,474</p>
  </td>
 </tr>
 <tr>
  <td width=236 valign=top style='width:176.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin-top:0in;margin-right:0in;margin-bottom:0in;margin-left:.15in;
  margin-bottom:.0001pt;text-indent:-.15in'>Interest-bearing cash</p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>124,351</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>--</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:89px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>--</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>--</p>
  </td>
 </tr>
 <tr>
  <td width=236 valign=top style='width:176.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify;text-indent:
  15.3pt'><b>Total</b></p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>406,574</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>32,193</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:89px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>50,852</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>21,802</p>
  </td>
 </tr>
 <tr>
  <td width=236 valign=top style='width:176.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>Interest Bearing
  Liabilities:</b></p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=96 valign=top style='width:1.0in;border:none;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td valign=top style='width:89px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
 </tr>
 <tr>
  <td width=236 valign=top style='width:176.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Transaction accounts
  and savings</p>
  </td>
  <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>425,772</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>2,121</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:89px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>9,043</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>3,069</p>
  </td>
 </tr>
 <tr>
  <td width=236 valign=top style='width:176.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Certificates of
  deposit</p>
  </td>
  <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>7,690</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=96 valign=top style='width:1.0in;padding:0in 5.4pt 0in 5.4pt' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>5,478</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td valign=top style='width:89px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>7,248</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='width:105px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>--</p>
  </td>
 </tr>
 <tr>
  <td width=236 valign=top style='width:176.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'>Borrowings</p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>4,035</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>--</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:89px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>2,000</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.0pt solid windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>--</p>
  </td>
 </tr>
 <tr>
  <td width=236 valign=top style='width:176.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-indent:15.3pt'><b>Total</b></p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp;&nbsp; 437,497</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 7,599</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:89px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp; 18,291</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 3,069</p>
  </td>
 </tr>
 <tr>
  <td width=236 valign=top style='width:176.85pt;padding:0in 5.4pt 0in 5.4pt' bgcolor="#FFCC99">
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>GAP</b></p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp; (30,923)</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td width=96 valign=top style='width:1.0in;border:none;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp;&nbsp; 24,594</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:89px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp; 32,561</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">

  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right" bgcolor="#FFCC99">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp;&nbsp; 18,733</p>
  </td>
 </tr>
 <tr>
  <td width=236 valign=top style='width:176.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>Cumulative GAP</b></p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp; (30,923)</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td width=96 valign=top style='width:1.0in;border:none;border-bottom:double windowtext 1.5pt;
  padding:0in 5.4pt 0in 5.4pt' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp; (6,329)</p>
  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:89px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp; 26,232</p>
  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">

  </td>
  <td valign=top style='border-left:medium none; border-right:medium none; border-top:medium none; width:105px;border-bottom:1.5pt double windowtext;
  padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in' align="right">
  <p align=right style='margin:0in;margin-bottom:.0001pt;text-align:right'>$&nbsp;&nbsp;&nbsp; 44,965</p>
  </td>
 </tr>
 <tr>
  <td width=236 valign=top style='width:176.85pt;padding:0in 5.4pt 0in 5.4pt'>
  <p style='margin:0in;margin-bottom:.0001pt;text-align:justify'><b>&nbsp;</b></p>
  </td>
  <td width=96 valign=top style='width:1.0in;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=96 valign=top style='width:1.0in;border:none;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=19 valign=top style='width:.2in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td valign=top style='width:89px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:21px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:105px;border:medium none;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Equity Price Risk</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We are exposed to equity
price risk as a consequence of making markets in equity securities. We attempt
to reduce the risk of loss inherent in our inventory of equity securities by
monitoring those security positions constantly throughout each day.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our equity securities
inventories are repriced on a regular basis, and there are no unrecorded gains
or losses. Our activities as a dealer are client-driven, with the objective of
meeting clients' needs while earning a positive spread.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Credit Risk</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We are engaged in
various trading and brokerage activities, with the counterparties primarily
being broker-dealers. In the event counterparties do not fulfill their
obligations, we may be exposed to risk. The risk of default depends on the
creditworthiness of the counterparty or issuer of the instrument. We manage
this risk by imposing and monitoring position limits for each counterparty,
monitoring trading counterparties, conducting regular credit reviews of
financial counterparties, reviewing security concentrations, holding and
marking to market collateral on certain transactions, and conducting business
through clearing organizations, which guarantee performance.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our client activities
involve the execution, settlement, and financing of various transactions on
behalf of our clients. Client activities are transacted on either a cash or
margin basis. Credit exposure associated with our private client business
consists primarily of customer margin accounts, which are monitored daily and
are collateralized. We monitor exposure to industry sectors and individual
securities and perform analyses on a regular basis in connection with our margin
lending activities. We adjust our margin requirements if we believe our risk
exposure is not appropriate based on market conditions.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in;
text-autospace:none'>We
have accepted collateral in connection with resale agreements, securities
borrowed transactions, and customer margin loans. Under many agreements, we are
permitted to sell or repledge these securities held as collateral and use these
securities to enter into securities lending arrangements or to deliver to
counterparties to cover short positions. At March 31, 2009, the fair value of
securities accepted as collateral where we are permitted to sell or repledge
the securities was $492.0 million, and the fair value of the collateral that
had been sold or repledged was $232.5 million.</p>

<p class=MsoFooter align=center style='text-align:center'>56</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stifel Bank extends
credit to individual and commercial borrowers through a variety of loan
products, including residential and commercial mortgage loans, home equity
loans, construction loans and non-real-estate commercial and consumer loans.
Bank loans are generally collateralized by real estate, real property, or other
assets of the borrower. Stifel Bank's loan policy includes criteria to
adequately underwrite, document, monitor, and manage credit risk. Underwriting
requires reviewing and documenting the fundamental characteristics of credit
including character, capacity to service the debt, capital, conditions, and
collateral. Benchmark capital and coverage ratios are utilized which include
liquidity, debt service coverage, credit, working capital, and capital to asset
ratios. Lending limits are established to include individual, collective,
committee, and board authority. Monitoring credit risk is accomplished through
defined loan review procedures including frequency and scope. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We are subject to
concentration risk if we hold large positions, extend large loans to, or have large
commitments with a single counterparty, borrower, or group of similar
counterparties or borrowers (i.e., in the same industry). Securities purchased
under agreements to resell consist of securities issued by the U.S. government or its agencies. Receivables from and payables to clients and stock borrow
and lending activities are both with a large number of clients and
counterparties, and any potential concentration is carefully monitored. Stock
borrow and lending activities are executed under master netting agreements,
which gives our company right of offset in the event of counterparty default.
Inventory and investment positions taken and commitments made, including
underwritings, may involve exposure to individual issuers and businesses. We
seek to limit this risk through careful review of counterparties and borrowers
and the use of limits established by our senior management group, taking into
consideration factors including the financial strength of the counterparty, the
size of the position or commitment, the expected duration of the position or
commitment, and other positions or commitments outstanding. </p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Operational Risk</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Operational risk
generally refers to the risk of loss resulting from our operations, including,
but not limited to, improper or unauthorized execution and processing of
transactions, deficiencies in our technology or financial operating systems,
and inadequacies or breaches in our control processes. We operate different
businesses in diverse markets and are reliant on the ability of our employees
and systems to process a large number of transactions. These risks are less
direct than credit and market risk, but managing them is critical, particularly
in a rapidly changing environment with increasing transaction volumes. In the
event of a breakdown or improper operation of systems or improper action by
employees, we could suffer financial loss, regulatory sanctions, and damage to our
reputation. In order to mitigate and control operational risk, we have developed
and continue to enhance specific policies and procedures that are designed to
identify and manage operational risk at appropriate levels throughout the
organization and within such departments as Accounting, Operations, Information
Technology, Legal, Compliance, and Internal Audit. These control mechanisms
attempt to ensure that operational policies and procedures are being followed
and that our various businesses are operating within established corporate
policies and limits. Business continuity plans exist for critical systems, and
redundancies are built into the systems as deemed appropriate.</p>

<p class=MsoNormal style='margin-top:6.0pt'><b><i>Regulatory and Legal Risk</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Legal risk includes the
risk of large numbers of Private Client Group customer claims for sales
practice violations. While these claims may not be the result of any
wrongdoing, we do, at a minimum, incur costs associated with investigating and
defending against such claims. See further discussion on our legal reserves
policy under &quot;Critical Accounting Policies and Estimates&quot; in Item 2 and &quot;Legal
Proceedings&quot; in Item 1, Part II of this report. In addition, we are subject to
potentially sizable adverse legal judgments or arbitration awards, and fines,
penalties, and other sanctions for non-compliance with applicable legal and
regulatory requirements. We are generally subject to extensive regulation by
the SEC, FINRA, and state securities regulators in the different jurisdictions
in which we conduct business. We have comprehensive procedures addressing
issues such as regulatory capital requirements, sales and trading practices,
use of and safekeeping of customer funds, the extension of credit, including
margin loans, collection activities, money laundering, and record keeping. We
act as an underwriter or selling group member in both equity and fixed income
product offerings. Particularly when acting as lead or co-lead manager, we have
potential legal exposure to claims relating to these securities offerings. To
manage this exposure, a committee of senior executives review proposed
underwriting commitments to assess the quality of the offering and the adequacy
of due diligence investigation.</p>

<p class=MsoFooter align=center style='text-align:center'>57</p>

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<p align="center">

<a href="#TABLE_OF_CONTENTS">Table of Contents</a><br clear=all
style='page-break-before:always'>










</p>










<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.5in'><b><i><a name="ITEM_4.">ITEM 4.</a>&nbsp; CONTROLS AND
PROCEDURES</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>As of the end of the period covered by this report, an
evaluation was carried out by Stifel Financial Corps' management with the
participation of our Chief Executive Officer and Chief Financial Officer, of
the effectiveness of our disclosure controls and procedures (as defined in Rule
13a-15(e) under the Securities Exchange Act of 1934). Based upon that
evaluation, our Chief Executive Officer and Chief Financial Officer concluded
that these disclosure controls and procedures were effective as of the end of
the period covered by this report. In addition, no change in our internal
control over financial reporting (as defined in Rule 13a-15(f) under the Securities
Exchange Act of 1934, as amended) occurred during our most recent fiscal quarter
that has materially affected, or is reasonably likely to materially affect, our
internal control over financial reporting.</p>

<p class=MsoFooter align=center style='text-align:center'>58</p>

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<p class=MsoNormal style='line-height:1.0pt'>&nbsp;</p>







<p class=MsoNormal style='margin-top:6.0pt;'><b><a name="PART_I.">PART
II</a>&nbsp; OTHER INFORMATION</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>ITEM 1.&nbsp; LEGAL

PROCEEDINGS</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The following supplements and amends our discussion
set forth under Item 3. &quot;Legal Proceedings&quot; in our Annual Report on Form 10-K
for the year ended December 31, 2008.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our company and its subsidiaries are named in and subject
to various proceedings and claims arising primarily from our securities
business activities, including lawsuits, arbitration claims, class actions, and
regulatory matters. Some of these claims seek substantial compensatory,
punitive, or indeterminate damages. Our company and its subsidiaries are also
involved in other reviews, investigations and proceedings by governmental and
self-regulatory organizations regarding our business which may result in
adverse judgments, settlements, fines, penalties, injunctions and other
relief.&nbsp; We are contesting the allegations in these claims, and we believe that
there are meritorious defenses in each of these lawsuits, arbitrations and
regulatory investigations. In view of the number and diversity of claims
against the company, the number of jurisdictions in which litigation is pending
and the inherent difficulty of predicting the outcome of litigation and other
claims, we cannot state with certainty what the eventual outcome of pending
litigation or other claims will be. In our opinion, based on currently
available information, review with outside legal counsel, and consideration of
amounts provided for in our consolidated financial statements with respect to
these matters, the ultimate resolution of these matters will not have a
material adverse impact on our financial position. However, resolution of one
or more of these matters may have a material effect on the results of
operations in any future period, depending upon the ultimate resolution of
those matters and depending upon the level of income for such period.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The regulatory investigations include inquiries from
the SEC, FINRA and several state regulatory authorities requesting information
concerning our activities with respect to auction rate securities (&quot;ARS&quot;), and
inquiries from the SEC and a state regulatory authority requesting information
relating to our role in investments made by five Southeastern Wisconsin school
districts (the &quot;school districts&quot;) in transactions involving collateralized
debt obligations (&quot;CDOs&quot;). We intend to cooperate fully with the SEC, FINRA
and the several states in these investigations.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Current claims include a civil lawsuit filed in the
United States District Court for the Eastern District of Missouri (the
&quot;Missouri Federal Court&quot;) on August 8, 2008 seeking class action status for
investors who purchased and continue to hold ARS offered for sale between June
11, 2003 and February 13, 2008, the date when most auctions began to fail and
the auction market froze, which alleges misrepresentation about the investment
characteristics of ARS and the auction markets (the &quot;ARS Class Action&quot;). We believe
that based upon currently available information and review with outside counsel
that we have meritorious defenses to this lawsuit, and intend to vigorously
defend all claims asserted therein.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We are also named in an action filed in the Circuit
Court of Franklin County, Missouri, on March 12, 2009, by the Missouri
Secretary of State concerning sales of ARS to our customers. The Secretary of
State seeks relief, which includes requiring us to pay restitution with
interest to those customers who purchased ARS from Stifel Nicolaus and continue
to hold ARS, disgorgement of commissions and fees earned on the ARS sales and
financial penalties. The case was removed to the United States District Court
for the Eastern District of Missouri on April 13, 2009. Furthermore, on May 7,
2009, the State Corporation Commission of the Commonwealth of Virginia filed a
Rule to Show Cause against Stifel Nicolaus with the Virginia State Corporation
Commission concerning sales of ARS to Virginia residents seeking various
remedies under the Virginia statutes, including penalties, assessments and
injunctive relief.&nbsp; We believe that, based upon currently available information
and review with outside counsel, we have meritorious defenses to these matters
and intend to vigorously defend the claims made by the Missouri Secretary of
State and Commonwealth of Virginia.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Additionally, we are named in a civil lawsuit filed in
the Circuit Court of Milwaukee, Wisconsin (the &quot;Wisconsin State Court&quot;) on
September 29, 2008. The lawsuit has been filed against our company and Stifel
Nicolaus, Royal Bank
of Canada Europe Ltd. (&quot;RBC&quot;) and certain other
RBC entities by the school districts and the individual trustees for other
post-employment benefit (&quot;OPEB&quot;) trusts established
by those school districts (the &quot;Plaintiffs&quot;). The suit was removed to the
United States District Court for the Eastern District of Wisconsin (the
&quot;Wisconsin Federal Court&quot;) on October 31, 2008. On April 10, 2009, the
Wisconsin Federal Court issued an order remanding the case to the Wisconsin
State Court on the basis that it did not have subject matter jurisdiction over
the suit. </p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The suit arises out of the purchase of certain CDOs by
the OPEB trusts. The RBC entities structured and served as &quot;arranger&quot; for the
CDOs. We served as placement agent/broker in connection with the OPEB trusts
purchase of the investments. The total amount of the investments made by the
OPEB trusts was $200.0 million. Plaintiffs assert that the school districts
contributed $37.5 million to the OPEB trusts to purchase the investments. The
balance of $162.5 million used to purchase the investments was borrowed by the
OPEB trusts. The recourse of the lender is the OPEB trust assets and the moral
obligation of the school districts. The legal claims asserted include violation
of the Wisconsin Securities Act, fraud and negligence. The lawsuit seeks
equitable relief, unspecified compensatory damages, treble damages, punitive
damages and attorney's fees and costs. The Plaintiffs claim that the RBC
entities and our company either made misrepresentations or failed to disclose
material facts in connection with the sale of the CDOs in violation of the
Wisconsin Securities Act. We believe the Plaintiffs reviewed and understood the
relevant offering materials and that the investments were suitable based upon,
among other things, our receipt of a written acknowledgement of risks from the Plaintiffs.
We believe, based upon currently available information and review with outside
counsel, that we have meritorious defenses to this lawsuit, and intend to vigorously
defend all of the Plaintiffs' claims.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Several large banks and brokerage firms, most of which
were the primary underwriters of, and supported the auctions for, ARS have
announced agreements, usually as part of a regulatory settlement, to repurchase
ARS at par from some of their clients. Other brokerage firms have entered into
similar agreements. We are, in conjunction with other industry participants,
actively seeking solutions to ARS' illiquidity, which may include the restructuring
and refinancing of those ARS. Should issuer redemptions and refinancings
continue, our clients' holdings could be reduced further; however, there can be
no assurance these events will continue.</p>

<p class=Default style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On April 9, 2009, we announced that
Stifel Nicolaus was providing its clients with details on how they can
participate in the previously announced voluntary repurchase plan of eligible
ARS purchased at Stifel Nicolaus prior to the collapse of the ARS market in
February 2008. The voluntary plan will, upon acceptance by clients,
contractually obligate us to repurchase up to 100 percent of eligible ARS. We
estimate that our retail clients held approximately $172.0 million of eligible
ARS as of April 30, 2009.</p>

<p class=Default style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In the voluntary program's first
phase, we are offering to repurchase at par the greater of ten percent or twenty-five
thousand dollars of eligible ARS. We anticipate that this initial repurchase
will be completed by June 30, 2009. After the initial repurchases, the
voluntary plan provides for additional repurchases from eligible investors during
each of the next three years, as follows: (i) the greater of ten percent or twenty-five
thousand dollars to be completed by June 30, 2010; (ii) the greater of ten percent
or twenty-five thousand dollars to be completed by June 30, 2011; and (iii) the
balance of outstanding ARS to be repurchased by June 30, 2012.</p>

<p class=Default style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>On April 17, 2009, counsel for the putative class in
the ARS class action filed a motion for a temporary restraining order seeking a
court order from the Missouri Federal Court requiring Stifel Nicolaus to make
additional disclosures to its clients regarding its voluntary repurchase plan
and to delay the date upon which clients are required to accept the offer
(currently May 15, 2009) until the nature and extent of the disclosure has been
determined. Stifel Nicolaus opposed the request and the Court denied the motion
on April 29, 2009.</p>

<p class=Default style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We
have recorded a liability for our estimated exposure to the voluntary
repurchase plan based upon a net present value calculation, which is subject to
change and future events, including redemptions. ARS redemptions have been at
par and we believe will
continue to be at par over the voluntary repurchase period. Future periods'
results may be affected by changes in estimated redemption rates or changes in
fair value of ARS.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>ITEM 1
A.&nbsp; RISK FACTORS</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'><font size="3">Our operations and financial results are subject to various
risks and uncertainties, including those described below, that could adversely
affect our business, financial condition, results of operations, cash flows and
the trading price of our common stock. We may amend or supplement these risk
factors from time to time in other reports we file with the SEC.</font></h3>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Our results of operations may be adversely affected by
conditions in the global financial markets and economic downturn.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our results of operations are
materially affected by conditions in the financial markets and economic
conditions generally, both in the United States and elsewhere around the world.
Dramatic declines in the U.S. housing market over the past year, together with
increasing foreclosures and unemployment, have resulted in significant
write-downs of asset values by financial institutions, including
government-sponsored entities, as well as major commercial and investment
banks. These write-downs, which were initially associated with mortgaged-backed
securities but which have substantially spread to credit default swaps and
other derivative securities, in turn have caused many financial institutions to
seek additional capital, to merge with larger and stronger institutions and, in
some cases, to fail. Reflecting concern about the stability of the financial
markets generally and the strength of counterparties, many lenders and
institutional investors have ceased to provide funding to even the most
credit-worthy borrowers. This market turmoil and tightening of credit have led
to an increased level of commercial and consumer delinquencies, lack of
consumer confidence, increased market volatility and widespread reduction of
business activity generally. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The
resulting economic pressures on consumers and businesses and lack of confidence
in the financial markets have adversely affected our business, financial
condition and results of operations. We do not expect that the difficult
conditions in the financial markets are likely to improve in the near future. A
worsening of these conditions would likely exacerbate the adverse effects of
these difficult market conditions on us and others in the financial services
industry. It is difficult to predict how long the current economic conditions
will continue and which of our businesses, industry areas, products or services
will continue to be adversely affected. We may have impairment losses if events
or changes in circumstances occur which may reduce the fair value of an asset below
its carrying amount. As a result, these conditions could adversely affect our
financial condition and results of operations. In addition, we may be subject
to increased regulatory scrutiny and litigation due to these issues and events.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>A significant portion of our
revenue is derived from commissions, margin interest revenue, principal
transactions, asset management and service fees, and investment banking fees.
Accordingly, severe market fluctuations, weak economic conditions, a decline in
stock prices, trading volumes, or liquidity could have an adverse affect on our
profitability. Continued or further credit dislocations or sustained market
downturns may result in a decrease in the volume of trades we execute for our
clients, a decline in the value of securities we hold in inventory as assets,
and reduced investment banking revenues. Poor economic conditions have
adversely affected investor and CEO confidence, resulting in significant
industry-wide declines in the size and number of underwritings and advisory
transactions, which could continue to have an adverse effect on our revenues.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The fixed-income markets are
experiencing a period of extreme volatility which has negatively impacted
market liquidity conditions. As a result, fixed income instruments are
experiencing liquidity issues, increased price volatility, credit downgrades,
and increased likelihood of default. In addition to being hard to dispose of,
securities that are less liquid are also more difficult to value. Domestic and
international equity markets have also been experiencing heightened volatility
and turmoil, and as a result issuers that have exposure to the real estate,
mortgage and credit markets, including banks and broker-dealers, have been
particularly affected. These events and the continuing market upheavals may
have an adverse effect on us. In the event of a sustained market downturn, our
results of operations could be adversely affected by those factors in many
ways. Our revenues are likely to decline in such circumstances and, if we were
unable to reduce expenses at the same pace, our profit margins would erode.
Even in the absence of a sustained market downturn, we are exposed to
substantial risk of loss due to market volatility.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition, declines in the market value of securities
generally result in a decline in revenues from fees based on the asset values
of client portfolios, in the failure of buyers and sellers of securities to
fulfill their settlement obligations, and in the failure of our clients to
fulfill their credit and settlement obligations. During market downturns, our
counterparties may be less likely to complete transactions. Also, we permit our
clients to purchase securities on margin. During periods of steep declines in
securities prices, the value of the collateral securing client accounts margin
purchases may drop below the amount of the purchaser's
indebtedness. If the clients are unable to provide additional collateral for
these loans, we may lose money on these margin transactions. This may cause us
to incur additional expenses defending or pursuing claims or litigation related
to counterparty or client defaults.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition, in certain of
the transactions we are required to post collateral to secure our obligations
to the counterparties. In the event of a bankruptcy or insolvency proceeding
involving one or such counterparties, we may experience delays in recovering
our assets posted as collateral or may incur a loss to the extent the
counterparty was holding collateral in excess of our obligation to such counterparty.
There is no assurance that any such losses would not materially and adversely
affect our business, financial condition and results of operations.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Recent </i></b><b><i>legislative and regulatory actions, and any
such future actions, to address the current liquidity and credit crisis in the
financial industry may significantly affect our financial condition, results of
operation, liquidity or stock price.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Recent economic conditions,
particularly in the financial markets, have resulted in government regulatory agencies
and political bodies placing increased focus on and scrutiny of the financial
services industry. In addition to the U.S. Treasury Department's Capital
Purchase Program (in which we have not participated), under the Troubled Asset
Relief Program announced last fall and the new Capital Assistance Program
announced in the spring (in which we have not participated), the U.S.
Government has taken steps that include enhancing the liquidity support
available to financial institutions, establishing a commercial paper funding
facility, temporarily guaranteeing money market funds and certain types of debt
issuances, and increasing insurance on bank deposits, and the U.S. Congress,
through the
Emergency Economic Stabilization Act of 2008 and the American
Recovery and Reinvestment Act of 2009 have imposed a number of restrictions and
limitations on the operations of financial services firms participating in the
federal programs. Further, there is no assurance that
these programs individually or collectively will have beneficial effects in the
credit markets, will address credit or liquidity issues of companies that
participate in the programs or will reduce volatility or uncertainty in the
financial markets. The failure of these programs to have
their intended effects could have a material adverse effect on the financial
markets, which in turn could materially and adversely affect our business,
financial condition, results of operation or liquidity.</p>

<p class=MsoBodyText style='margin-top:6.0pt;text-indent:.25in'>In addition, new proposals for
legislation continue to be introduced in the U.S. Congress that could further
substantially increase regulation of the financial services industry and impose
restrictions on the operations and general ability of firms within the industry
to conduct business consistent with historical practices. We cannot predict the
substance or impact of pending or future legislation, regulation or the
application thereof. Compliance with such current and potential regulation and
scrutiny may significantly increase our costs, impede the efficiency of our
internal business processes, require us to increase our regulatory capital and
limit our ability to pursue business opportunities in an efficient manner.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Lack of sufficient liquidity or access to capital
could impair our business and financial condition.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Liquidity is essential to our
business. If we have insufficient liquid assets, we will be forced to curtail
our operations, and our business will suffer. Our assets, consisting mainly of
cash or assets readily convertible into cash, are our principle source of
liquidity. These assets are financed primarily by our equity capital,
debentures to trusts, client credit balances, short-term bank loans, proceeds
from securities lending, and other payables. We currently finance our client
accounts and firm trading positions through ordinary course borrowings at
floating interest rates from various banks on a demand basis and securities
lending, with company-owned and client securities pledged as collateral.
Changes in securities market volumes, related client borrowing demands, underwriting
activity, and levels of securities inventory affect the amount of our financing
requirements.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The capital and credit
markets have been experiencing volatility and disruption since early 2008, and
reached unprecedented levels since the fall of 2008. In some cases, the markets
have produced downward pressure on stock prices and credit availability for
certain issuers without regard to those issuers'
underlying financial strength. If current levels of market disruption and
volatility continue or worsen, there can be no assurance that we will not
experience an adverse effect, which may be material to our business, financial
condition and results of operations and affect our ability to access capital.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our liquidity requirements may change in the event we
need to raise more funds than anticipated to increase inventory positions,
support more rapid expansion, develop new or enhanced services and products,
acquire technologies, or respond to other unanticipated liquidity requirements.
We rely exclusively on financing activities and distributions from our
subsidiaries for funds to implement our business and growth strategies, and
repurchase our shares. Net capital rules, restrictions under our long-term
debt, or the borrowing arrangements of our subsidiaries, as well as the
earnings, financial condition, and cash requirements of our subsidiaries, may
each limit distributions to us from our subsidiaries.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In the event existing
internal and external financial resources do not satisfy our needs, we may have
to seek additional outside financing. The availability of outside financing
will depend on a variety of factors, such as market conditions, the general
availability of credit, the volume of trading activities, the overall
availability of credit to the financial services industry, credit ratings, and
credit capacity, as well as the possibility that lenders could develop a
negative perception of our long-term or short-term financial prospects if we
incurred large trading losses or if the level of our business activity
decreased due to a market downturn or otherwise. We currently do not have a
credit rating, which could adversely affect our liquidity and competitive
position by increasing our borrowing costs and limiting access to sources of
liquidity that require a credit rating as a condition to providing funds.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Current trends in the global financial markets could
cause significant fluctuations in our stock price.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Stock markets in general, and
stock prices of financial services firms in particular, including us, have in
recent years, and particularly in recent months, experienced significant price
and volume fluctuations. The market price of our common stock may continue to
be subject to similar market fluctuations which may be unrelated to our
operating performance or prospects, and increased volatility could result in an
overall decline in the market price of our common stock. Factors that could
significantly impact the volatility of our stock price include: </p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
developments in our business or in
the financial sector generally, including the effect of direct governmental
action in the financial markets generally and with respect to financial
institutions in particular; </p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
regulatory changes affecting our
operations; </p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
the operating and securities price
performance of companies that investors consider to be comparable to us; </p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
announcements of strategic
developments, acquisitions and other material events by us or our competitors;
and </p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in;
text-autospace:none'>&#149;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
changes in global financial
markets and global economies and general market conditions, such as interest or
foreign exchange rates, stock, commodity or asset valuations or volatility. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Significant declines in the
market price of our common stock or failure of the market price of our common stock to increase could
harm our ability to recruit and retain key employees, including our executives
and financial advisors and other key professional employees and those who have
joined us from companies we have acquired, reduce our access to debt or equity
capital and otherwise harm our business or financial condition. In addition, we
may not be able to use our common stock
effectively as consideration in
connection with future acquisitions.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>We face intense competition in our industry.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>All aspects of our business
and of the financial services industry in general are intensely competitive. We
expect competition to continue and intensify in the future. Our business will
suffer if we do not compete successfully. We compete on the basis of a number
of factors, including the quality of our financial advisors and associates, the
quality and selection of our investment products and services, pricing (such as
execution pricing and fee levels), and reputation. Because of recent market
unrest and increased government intervention, the financial services industry
has recently undergone significant consolidation, which has further
concentrated equity capital and other financial resources in the industry and
further increased competition. Many of our competitors use their significantly
greater financial capital and scope of operations to offer their customers more
products and services, broader research capabilities, access to international
markets, and other products and services not currently offered by us.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We compete directly with national full-service
broker-dealers, investment banking firms, and commercial banks and, to a lesser
extent, with discount brokers and dealers and investment advisors. In addition,
we face competition from new entrants into the market and increased use of
alternative sales channels by other firms. Domestic commercial banks and
investment banking boutique firms have entered the broker-dealer business, and
large international banks have begun serving our markets as well. Legislative
and regulatory initiatives intended to ease restrictions on the sale of
securities and underwriting activities by commercial banks have increased
competition. We also compete indirectly for investment assets with insurance
companies, real estate firms, hedge funds and others. This increased
competition could cause our business to suffer.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The industry of electronic
and/or discount brokerage services is continuing to develop. Increased
competition from firms using new technology to deliver these products and
services may materially and adversely affect our operating results and
financial position. Competitors offering internet-based or other electronic
brokerage services may have lower costs and offer their customers more
attractive pricing and more convenient services than we do. In addition, we
anticipate additional competition from underwriters who conduct offerings of
securities through electronic distribution channels, bypassing financial
intermediaries such as us altogether. These and other competitive pressures may
have an adverse affect on our competitive position and, as a result, our
operations, financial condition and liquidity.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Regulatory and legal developments could adversely
affect our business and financial condition.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The financial services
industry is subject to extensive regulation and broker-dealers and investment
advisors are subject to regulations covering all aspects of the securities
business. We could be subject to civil liability, criminal liability, or
sanctions, including revocation of our subsidiaries'
registrations as investment advisors or broker-dealers, revocation of the
licenses of our financial advisors, censures, fines, or a temporary suspension
or permanent bar from conducting business, if we violate such laws or
regulations. Any such liability or sanction could have a material adverse effect
on our business, financial condition and prospects. Moreover, our independent
contractor subsidiaries, CSA and SN Ltd give rise to a potentially higher risk
of noncompliance because of the nature of the independent contractor
relationships involved.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our banking operations also
expose us to a risk of loss resulting from failure to comply with banking laws.
In light of current conditions in the U.S. financial markets and the economy,
regulators have increased their focus on the regulation of the financial services
industry, including introducing proposals for new legislation. We are unable to
predict whether any of these proposals will be implemented and in what form, or
whether any additional or similar changes to statutes or regulations, including
the interpretation or implementation thereof, will occur in the future. Any
such action could affect us in substantial and unpredictable ways and could
have an adverse effect on our business, financial condition and results of
operations. We also may be adversely affected as a result of changes in
federal, state or foreign tax laws, or by changes in the interpretation or
enforcement of existing laws and regulations. For additional information regarding our regulatory environment
and our approach to managing regulatory
risk, see the section entitled &quot;Business Regulation&quot; of
Item 1 and Item 7A &quot;Quantitative and Qualitative Disclosures About Market
Risk&quot; respectively, of our Annual Report on Form 10-K for the
year ended December 31, 2008, as well as Item 3 &quot;Quantitative and Qualitative
Disclosures About Market Risk,&quot; of this report.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In turbulent economic times
such as these, the volume of claims and amount of damages sought in litigation
and regulatory proceedings against financial institutions have historically
increased. These risks include potential liability under securities and other
laws for alleged materially false or misleading statements made in connection
with securities offerings and other transactions, issues related to the
suitability of our investment advice based on our clients'
investment objectives, and potential liability for other advice we provide to
participants in strategic transactions. Legal actions brought against us may
result in judgments, settlements, fines, penalties or other results, any of which
could materially adversely affect our business, financial condition or results
of operations, or cause us serious reputational harm.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Regulatory and legal developments related to ARS could adversely affect our
business.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Since February 2008, the
auctions through which most ARS are sold and interest rates are determined have
failed, resulting in the lack of liquidity for these securities. We, like other
firms in the financial services industry, have received inquiries from the SEC, FINRA<a name="_DV_C39">,</a> and
several state regulatory authorities requesting information concerning our
transactions in ARS for our clients. We have also been named in a civil class
action lawsuit and in separate actions filed by the Missouri Secretary of State
and by the Commonwealth of Virginia relating to the sale of ARS. &nbsp;While we are working with other industry participants in
order to resolve issues relating to ARS and are exploring a range of potential
solutions, we anticipate that the regulatory authorities will conduct further
review and inquiry on these matters. On April 9, 2009, we
announced that Stifel Nicolaus was providing its clients with details on how
they can participate in its previously announced voluntary repurchase plan of
eligible ARS purchased at Stifel Nicolaus prior to the collapse of the ARS
market in February 2008. The voluntary plan will, upon acceptance by clients,
contractually obligate Stifel Nicolaus to repurchase up to 100% of eligible ARS
(estimated at approximately $172.0 million as of April 30, 2009) in a number of
phases. While we believe we have made adequate
provision for loss related to the buyback of ARS held by retail clients,
additional losses may be incurred related to the resolution of all pending
claims, inquiries or investigations which would adversely affect our results of
operations and financial position.<a name="_DV_C44"> For</a>
a discussion of our legal matters (including ARS) and our approach to managing legal risk<a name="_DV_C46">, see
Item 3, &quot;Legal Proceedings,&quot; and </a>Item 7A, &quot;Quantitative
and Qualitative Disclosures About Market Risk,&quot; respectively,
of our Annual Report on Form 10-K for the year ended December 31, 2008, as well
as Item I &quot;Legal Proceedings,&quot; and Item 3 &quot;Quantitative and Qualitative
Disclosures About Market Risk,&quot; respectively, of this report. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Failure to comply with regulatory capital requirements
would significantly harm our business.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>The SEC requires
broker-dealers to maintain adequate regulatory capital in relation to their
liabilities and the size of their customer business. These rules require Stifel
Nicolaus, Butler Wick and CSA, our broker-dealer subsidiaries, to maintain
a substantial portion of their assets in cash or highly liquid investments.
Failure to maintain the required net capital may subject our broker-dealer
subsidiaries to limitations on their activities, or in extreme cases,
suspension or revocation of their registration by the SEC and suspension or
expulsion by FINRA and other regulatory bodies, and, ultimately, liquidation.
Our international subsidiary, SN Ltd, is subject to similar limitations under
applicable laws in the United Kingdom. Failure to comply with the net capital
rules could have material and adverse consequences, such as:</p>

<ul style='margin-top:0in' type=disc>
 <li class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-autospace:
     none'>limiting our
     operations that require intensive use of capital, such as underwriting or
     trading activities; or</li>
 <li class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-autospace:
     none'>restricting us
     from withdrawing capital from our subsidiaries, even where our
     broker-dealer subsidiaries have more than the minimum amount of required
     capital. This, in turn, could limit our ability to implement our business
     and growth strategies, pay interest on and repay the principal of our debt
     and/or repurchase our shares.</li>
</ul>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition, a change in the
net capital rules or the imposition of new rules affecting the scope, coverage,
calculation, or amount of net capital requirements, or a significant operating
loss or any large charge against net capital, could have similar adverse
effects. In addition, as a bank holding company, we and our bank subsidiary are
subject to various regulatory requirements administered by the federal banking
agencies, including capital adequacy requirements pursuant to which we and our
bank subsidiary must meet specific capital guidelines that involve quantitative
measures of assets, liabilities, and certain off-balance sheet items as
calculated under regulatory accounting practices. See the section entitled &quot;Business - Regulation&quot;
of Item 1 of our Annual Report on Form 10-K for the year
ended December 31, 2008 for additional information
regarding our regulatory environment.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'>&nbsp;</p>

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<b><i>We have experienced significant pricing pressure in
areas of our business, which may impair our revenues and profitability.</i></b><p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In recent years, our business has experienced
significant pricing pressures on trading margins and commissions in debt and
equity trading. In the fixed income market, regulatory requirements have
resulted in greater price transparency, leading to increased price competition
and decreased trading margins. In the equity market, we have experienced
increased pricing pressure from institutional clients to reduce commissions,
and this pressure has been augmented by the increased use of electronic and
direct market access trading, which has created additional competitive downward
pressure on trading margins. The trend towards using alternative trading
systems is continuing to grow, which may result in decreased commission and
trading revenue, reduce our participation in the trading markets and our
ability to access market information, and lead to the creation of new and
stronger competitors. Institutional clients also have pressured financial
services firms to alter &quot;soft dollar&quot; practices under
which brokerage firms bundle the cost of trade execution with research products
and services. Some institutions are entering into arrangements that separate
(or &quot;unbundle&quot;)
payments for research products or services from sales commissions. These
arrangements have increased the competitive pressures on sales commissions and
have affected the value our clients place on high-quality research. Additional
pressure on sales and trading revenue may impair the profitability of our
business. Moreover, our inability to reach agreement regarding the terms of
unbundling arrangements with institutional clients who are actively seeking
such arrangements could result in the loss of those clients, which would likely
reduce our institutional commissions. We believe that price competition and
pricing pressures in these and other areas will continue as institutional
investors continue to reduce the amounts they are willing to pay, including by
reducing the number of brokerage firms they use, and some of our competitors
seek to obtain market share by reducing fees, commissions or margins.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Our underwriting and market-making activities place
our capital at risk.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We may incur losses and be
subject to reputational harm to the extent that, for any reason, we are unable
to sell securities we purchased as an underwriter at the anticipated price
levels. As an underwriter, we also are subject to heightened standards
regarding liability for material misstatements or omissions in prospectuses and
other offering documents relating to offerings we underwrite. As a market
maker, we may own large positions in specific securities, and these
undiversified holdings concentrate the risk of market fluctuations and may
result in greater losses than would be the case if our holdings were more diversified.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Our ability to attract, develop and retain highly
skilled and productive employees is critical to the success of our business.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our people are our most
valuable asset. Our ability to develop and retain our client base and to obtain
investment banking and advisory engagements depends upon the reputation,
judgment, business generation capabilities and project execution skills of
highly skilled and often highly specialized employees, including our executive
officers. The unexpected loss of services of any of these key employees and
executive officers, or the inability to recruit and retain highly qualified
personnel in the future, could have an adverse effect on our business and
results of operations.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Financial advisors typically
take their clients with them when they leave us to work for a competitor. From
time to time, in addition to financial advisors, we have lost equity research,
investment banking, public finance, institutional sales and trading
professionals, and in some cases, clients, to our competitors.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Competition for personnel
within the financial services industry is intense. The cost of retaining
skilled professionals in the financial services industry has escalated
considerably, as competition for these professionals has intensified. Employers
in the industry are increasingly offering guaranteed contracts, upfront
payments, and increased compensation. These can be important factors in a
current employee's decision to leave us as well as a prospective
employee's decision to join us. As competition for
skilled professionals in the industry increases, we may have to devote more
significant resources to attracting and retaining qualified personnel. In
particular, our financial results may be adversely affected by the amortization
costs incurred by us in connection with the upfront loans we offer to financial
advisors.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Moreover, companies in our
industry whose employees accept positions with competitors frequently claim
that those competitors have engaged in unfair hiring practices. We are
currently subject to several such claims and may be subject to additional
claims in the future as we seek to hire qualified personnel, some of whom may
currently be working for our competitors. Some of these claims may result in
material litigation. We could incur substantial costs in defending ourselves
against these claims, regardless of their merits. Such claims could also
discourage potential employees who currently work for our competitors from
joining us.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>We may recruit financial advisors, make strategic
acquisitions of businesses, engage in joint ventures or divest or exit existing
businesses, which could cause us to incur unforeseen expenses and have
disruptive effects on our business and may strain our resources.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our growth strategies have
included, and will continue to include, the recruitment of financial advisors
and future acquisitions or joint ventures with other businesses. Since December
2005, we have completed five acquisitions: LM Capital Markets in 2005, the
private client business of MJSK in 2006, Ryan Beck and First Service in 2007,
and Butler Wick in 2008. In addition, on March 23, 2009, we
announced that Stifel Nicolaus had entered into a definitive agreement with UBS
to acquire up to 55 branches from the UBS Wealth Management Americas branch
network. This agreement was amended on May 4, 2009 to add three additional
branches that we have the right to acquire from the UBS Wealth Management
Americas branch network. These acquisitions or any acquisition or
joint venture that we determine to pursue will be accompanied by a number of
risks. The growth of our business and expansion of our client base has
strained, and may continue to strain, our management and administrative
resources. Costs or difficulties relating to such transactions, including
integration of financial advisors, and other employees, products and services,
technology systems, accounting systems and management controls, may be greater
than expected. Unless offset by a growth of revenues, the costs associated with
these investments will reduce our operating margins. In addition, because, as
noted above, financial professionals typically take their clients with them
when they leave, if key employees or other senior management personnel of the
firms we have acquired determine that they do not wish to remain with our
company over the long term or at all, we would not inherit portions of the
client base of those firms, which would reduce the value of those acquisitions
to us.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition to past growth,
we cannot assure investors that we will be able to manage our future growth
successfully. The inability to do so could have a material adverse effect on
our business, financial condition and results of operations. After we announce
or complete any given acquisition or joint venture in the future, our share
price could decline if investors view the transaction as too costly or unlikely
to improve our competitive position. We may be unable to retain key personnel
after any such transaction, and the transaction may impair relationships with
customers and business partners. These difficulties could disrupt our ongoing
business, increase our expenses and adversely affect our operating results and
financial condition. In addition, we may be unable to achieve anticipated
benefits and synergies from any such transaction as fully as expected or within
the expected time frame. Divestitures or elimination of existing businesses or
products could have similar effects.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Moreover, to the extent we
pursue increased expansion to different geographic markets or grow generally
through additional strategic acquisitions, we cannot assure you that we will
identify suitable acquisition candidates, that acquisitions will be completed on
acceptable terms or that we will be able to successfully integrate the
operations of any acquired business into our existing business. Such
acquisitions could be of significant size and involve firms located in regions
of the United States where we do not currently operate, or internationally. To
acquire and integrate a separate organization would further divert management
attention from other business activities. This diversion, together with other
difficulties we may encounter in integrating an acquired business, could have a
material adverse effect on our business, financial condition and results of
operations. In addition, we may need to borrow money to finance acquisitions,
which would increase our leverage. Such funds might not be available on terms as
favorable to us as our current borrowing terms or at all.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>We may not realize the expected benefits of the
acquisition of certain branches from UBS.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We may be unable to take
advantage of the opportunities we expect to obtain in the acquisition of
certain UBS branches, including strengthening of our existing private client
business. Financial advisors who have agreed to join us may leave UBS prior to
closing and those financial advisors who join from UBS may not stay with
us.&nbsp; Moreover, we may only acquire a portion of the branches that are subject
to our agreement with UBS. Additionally, the UBS branches to be acquired by us
are also subject to many, if not all, of the same risks faced by our business
described herein.&nbsp; Further, the process of integrating the acquired UBS
branches with our operations could cause an interruption of, or loss of
momentum in, the activities of the combined company's business and the loss of
key personnel. The diversion of management's attention, any delays or
difficulties encountered in connection with the acquisition of these branches
and the related operational integration and the costs associated with these
activities could harm our business, results of operations, financial condition
or prospects.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Our risk management policies and procedures may leave
us exposed to unidentified or unanticipated risk.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We seek
to manage, monitor and control our operational, legal and regulatory risk
through operational and compliance reporting systems, internal controls,
management review processes and other mechanisms; however, there can be no
assurance that our procedures will be fully effective. Further, our risk
management methods are based on an evaluation of information regarding markets,
clients and other matters that are based on assumptions that may no longer be
accurate. In addition, we have undergone significant growth in recent years. A
failure to adequately manage our growth, or to effectively manage our risk,
could materially and adversely affect our business and financial condition. We
must also address potential conflicts of interest that arise in our business.
We have procedures and controls in place to address conflicts of interest, but
identifying and managing potential conflicts of interest can be complex and
difficult and our reputation could be damaged if we fail, or appear to fail, to
deal appropriately with conflicts of interest. See Item 7A, &quot;Quantitative and Qualitative Disclosures About Market Risk&quot; in our Annual Report on Form 10-K for the year ended December
31, 2008, and Item 3, &quot;Quantitative and Qualitative Disclosures About Market
Risk,&quot; in this report for more information on how we
monitor and manage market and certain other risks. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>We continually encounter technological change, and we
may have fewer resources than many of our competitors to continue to invest in
technological improvements, which are important to attract and retain financial
advisors.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We rely extensively on
electronic data processing and communications systems. The brokerage and
investment banking industry continues to undergo technological change, with
periodic introductions of new technology-driven products and services. In
addition to better serving our clients, the effective use of technology
increases efficiency and enables our company to reduce costs. Our future
success will depend in part upon our ability to successfully maintain and
upgrade our systems and our ability to address the needs of our clients by
using technology to provide products and services that will satisfy their
demands for convenience, as well as to create additional efficiencies in our
operations. Many of our competitors have substantially greater resources to
invest in technological improvements. We cannot assure you that we will be able
to effectively upgrade our systems, implement new technology-driven products
and services or be successful in marketing these products and services to our
clients.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Our operations and infrastructure and those of the
service providers upon which we rely may malfunction or fail.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our
business is highly dependent on our ability to process, on a daily basis, a
large number of transactions across diverse markets, and the transactions we
process have become increasingly complex. The inability of our systems to
accommodate an increasing volume of transactions could also constrain our
ability to expand our businesses. If any of these systems do not operate
properly or are disabled, or if there are other shortcomings or failures in our
internal processes, people or systems, we could suffer impairments, financial
loss, a disruption of our businesses, liability to clients, regulatory
intervention or reputational damage.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have outsourced certain
aspects of our technology infrastructure, including trade processing, data
centers, disaster recovery systems, and wide area networks, as well as market
data servers, which constantly broadcast news, quotes, analytics, and other
important information to the desktop computers of our financial advisors. We
contract with other vendors to produce, batch, and mail our confirmations and
customer reports. We are dependent on our technology providers to manage and
monitor those functions. A disruption of any of the outsourced services would
be out of our control and could negatively impact our business. We have
experienced disruptions on occasion, none of which has been material to our
operations and results. However, there can be no guarantee that future
disruptions with these providers will not occur.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We also face the risk of
operational failure, termination or capacity constraints of any of the clearing
agents, exchanges, clearing houses or other financial intermediaries we use to
facilitate our securities transactions. Any such failure or termination could
adversely affect our ability to effect transactions and to manage our exposure
to risk.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our operations also rely on the secure processing, storage
and transmission of confidential and other information in our computer systems
and networks. Although we take protective measures and endeavor to modify them
as circumstances warrant, our computer systems, software and networks may be
vulnerable to unauthorized access, computer viruses or other malicious code and
other events that could have a security impact. If one or more of such events
occur, this could jeopardize our or our clients' or
counterparties<a name="_DV_C83">'</a> confidential and
other information processed, stored in and transmitted through our computer
systems and networks, or otherwise cause interruptions or malfunctions in our,
our clients'
our counterparties' or third parties'
operations which could result in significant losses or reputational damage. We
may be required to expend significant additional resources to modify our
protective measures, to investigate and remediate vulnerabilities or other
exposures or to make required notifications, and we may be subject to
litigation and financial losses that are either not insured or not fully
covered through any insurance maintained by us.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>We may suffer losses
if our reputation is harmed.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our ability to attract and
retain customers and employees may be adversely affected to the extent our
reputation is damaged. If we fail to deal with, or appear to fail to deal with,
various issues that may give rise to reputational risk, we could harm our
business prospects. These issues include, but are not limited to, appropriately
dealing with potential conflicts of interest, legal and regulatory
requirements, ethical issues, money-laundering, privacy, record-keeping, sales
and trading practices, and the proper identification of the legal,
reputational, credit, liquidity and market risks inherent in our products.
Failure to appropriately address these issues could also give rise to
additional legal risk to us, which could, in turn, increase the size and number
of claims and damages asserted against us or subject us to regulatory
enforcement actions, fines, and penalties.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Our current
stockholders may experience dilution in their holdings if we issue additional
shares of common stock as a result of future offerings
or acquisitions where we use our common
stock.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>As part of our business
strategy, we may continue to seek opportunities for growth through strategic
acquisitions, in which we may consider issuing equity securities as part of the
consideration. Additionally, we may obtain additional capital through the
public or private sale of equity securities. If we sell equity securities, the
value of our common stock could experience dilution. Furthermore, these
securities could have rights, preferences and privileges more favorable than
those of the common stock. Moreover, if we issue
additional shares of common stock in connection with
future acquisitions or as a result of a financing, investors ownership interest
in our company will be diluted.</p>
<p class="MsoNormal" style="margin-top:6.0pt;text-align:justify;text-indent:.25in">
The issuance of any additional shares of common stock or securities convertible
into or exchangeable for common stock or that represent the right to receive
common stock, or the exercise of such securities, could be substantially
dilutive to stockholders of our common stock.&nbsp;Holders of our shares of common stock have no
preemptive rights that entitle holders to purchase their pro rata share of any
offering of shares of any class or series and, therefore, such sales or
offerings could result in increased dilution to our stockholders.&nbsp;The market
price of our common stock could decline as a result of sales of shares of our
common stock or securities convertible into or exchangeable for common stock.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>We are subject to an
increased risk of legal proceedings, which may result in significant losses to
us that we cannot recover. Claimants in these proceedings may be customers,
employees, or regulatory agencies, among others, seeking damages for mistakes,
errors, negligence or acts of fraud by our employees.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Many aspects of our business
subject us to substantial risks of potential liability to customers and to
regulatory enforcement proceedings by state and federal regulators.
Participants in the financial services industry face an increasing amount of
litigation and arbitration proceedings. Dissatisfied clients regularly make
claims against broker-dealers and their brokers for, among others, negligence,
fraud, unauthorized trading, suitability, churning, failure to supervise,
breach of fiduciary duty, employee errors, intentional misconduct, unauthorized
transactions by financial advisors or traders, improper recruiting activity,
and failures in the processing of securities transactions. These types of
claims expose us to the risk of significant loss. Acts of fraud are difficult
to detect and deter, and we cannot assure investors that our risk management
procedures and controls will prevent losses from fraudulent activity. In our
role as underwriter and selling agent, we may be liable if there are material
misstatements or omissions of material information in prospectuses and other
communications regarding underwritten offerings of securities. At any point in
time, the aggregate amount of existing claims against us could be material.
While we do not expect the outcome of any existing claims against us to have a
material adverse impact on our business, financial condition, or results of
operations, we cannot assure you that these types of proceedings will not
materially and adversely affect our company. We do not carry insurance that
would cover payments regarding these liabilities, with the exception of
fidelity coverage with respect to certain fraudulent acts of our employees. In
addition, our by-laws provide for the indemnification of our officers,
directors, and employees to the maximum extent permitted under Delaware law. In the future, we may be the subject of indemnification assertions under
these documents by our officers, directors or employees who have or may become
defendants in litigation. These claims for indemnification may subject us to
substantial risks of potential liability. For a discussion of our legal matters
(including ARS) and our approach to managing legal risk, see Item 3 &quot;Legal
Proceedings&quot; of our Annual Report on Form 10-K for the year ended December 31,
2008 as well as Part II, Item 1
&quot;Legal Proceedings&quot; of this report.</p>

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<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>In addition to the foregoing financial costs and risks
associated with potential liability, the defense of litigation has increased
costs associated with attorneys<a name="_DV_C99">'</a> fees. The amount of outside attorneys'
fees incurred in connection with the defense of litigation could be substantial
and might materially and adversely affect our results of operations as such
fees occur. Securities class action litigation in particular is highly complex
and can extend for a protracted period of time, thereby substantially
increasing the costs incurred to resolve this litigation.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Misconduct by our
employees or by the employees of our business partners could harm us and is
difficult to detect and prevent.</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>There have been a number of
highly publicized cases involving fraud or other misconduct by employees in the
financial services industry in recent years, and we run the risk that employee
misconduct could occur at our company. For example, misconduct could involve
the improper use or disclosure of confidential information, which could result
in regulatory sanctions and serious reputational or financial harm. It is not
always possible to deter misconduct and the precautions we take to detect and
prevent this activity may not be effective in all cases. Our ability to detect
and prevent misconduct by entities with which we do business may be even more
limited. We may suffer reputational harm for any misconduct by our employees or
those entities with which we do business.</p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify'><b><i>Provisions in our
certificate of incorporation and bylaws and of Delaware law may prevent or
delay an acquisition of our company, which could decrease the market value of
our common stock. </i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Our articles of
incorporation and bylaws and Delaware law contain provisions that are intended
to deter abusive takeover tactics by making them unacceptably expensive to
prospective acquirors and to encourage prospective acquirors to negotiate with
the board of directors rather than to attempt a hostile takeover. Delaware law also imposes some restrictions on mergers and other business combinations
between us and any holder of 15% or more of our outstanding common stock. We
believe these provisions protect our stockholders from coercive or otherwise
unfair takeover tactics by requiring potential acquirors to negotiate with the
board of directors and by providing the board of directors with more time to
assess any acquisition proposal. These provisions are not intended to make our
company immune from takeovers. However, these provisions apply even if the
offer may be considered beneficial by some stockholders and could delay or
prevent an acquisition that the board of directors determines is not in the
best interests of our company and our stockholders. </p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Further, at our 2009 Annual
Meeting of Stockholders, which will be held on June 3, 2009, our stockholders
will be asked to vote upon an amendment to our Restated Certificate of
Incorporation to increase the total number of shares of stock authorized
thereunder.
Adoption of the proposed amendment could render more difficult any attempted
takeover that is opposed by the board of directors. The board of directors may
issue, without further action or approval of the stockholders, additional
shares of common stock to the public, thereby increasing the number of shares
that would have to be acquired to effect a change in control of the Parent.
Additionally, the issuance of additional shares of common stock could lead to
the dilution of existing stockholders.</p>

<p class=MsoFooter align=center style='text-align:center'>70</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.5in'><b><i>ITEM 2.&nbsp; UNREGISTERED
SALES OF EQUITY SECURITIES AND USE OF PROCEEDS</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>There were no unregistered sales of equity securities
during the quarter ended March 31, 2009. There were also no purchases made by
or on behalf of Stifel Financial Corp. or any &quot;affiliated purchaser&quot; (as defined in Rule 10b-18(a)(3) under the Securities
Exchange Act of 1934, as amended), of our common stock during the quarter ended
March 31, 2009<b>.
</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>We have an ongoing
authorization, as amended, from the Board of Directors to repurchase our common
stock in the open market or in negotiated transactions. In May 2005, the Board
of Directors authorized the repurchase of an additional 3,000,000 shares, for a
total authorization to repurchase up to 4,500,000 shares (as adjusted for the three-for-two
stock split in June 2008).
At March 31, 2009, the maximum number of shares that may yet be purchased under
this plan was 2,010,831. </p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.5in'><b><i>ITEM 5.&nbsp; OTHER
INFORMATION</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>None.</p>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.5in'><b><i>ITEM 6.&nbsp; EXHIBITS</i></b></p>
<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.5in;margin-bottom:.0001pt;text-align:justify;text-indent:-.5in'>&nbsp;</p>



<div align="left">



<table class=MsoNormalTable border=0 cellpadding=0
 style='width:1000px;margin-left:.1in;border-collapse:collapse'>
 <tr>
  <td colspan=2 valign=top style='width:74px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Exhibit No.</b></p>
  </td>
  <td valign=bottom style='width:816px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align=center style='text-align:center'><b>Description</b></p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:28px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>10.</p>
  </td>
  <td valign=top style='width:32px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal align="center">(y)</p>
  </td>
  <td valign=top style='width:816px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Asset
  Purchase Agreement, dated March 23, 2009, by and between Stifel Nicolaus
  &amp; Company, Incorporated and UBS Financial Services, Inc. incorporated
  herein by reference to Exhibit 2.1 to Stifel Financial Corp.'s Current Report
  on Form 8-K (date of earliest event reported March 23, 2009) filed on March
  23, 2009.</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:28px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>11.1</p>
  </td>
  <td valign=top style='width:32px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:816px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Statement
  Re: Computation of per Share Earnings (The calculation of per share earnings
  is included in Part I, Item 1 in the Notes to Condensed Consolidated
  Financial Statements (Earnings Per Share) and is omitted here in accordance
  with Section (b)(11) of Item 601 of Regulation S-K).</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:28px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>31.1</p>
  </td>
  <td valign=top style='width:32px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:816px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Rule
  13a-14(a) Certifications.</p>
  </td>
 </tr>
 <tr>
  <td valign=top style='width:28px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>32.1</p>
  </td>
  <td valign=top style='width:32px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>

  </td>
  <td valign=top style='width:816px;padding-left:5.4pt; padding-right:5.4pt; padding-top:0in; padding-bottom:0in'>
  <p class=MsoNormal>Section
  1350 Certifications.*</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'>&nbsp;</p>
<p class=MsoNormal style='margin-top:6.0pt;margin-right:0in;margin-bottom:0in;
margin-left:.25in;margin-bottom:.0001pt;text-align:justify;text-indent:-.25in'>*&nbsp;&nbsp;&nbsp; The certifications attached as Exhibits 32.1 that
accompany this Quarterly Report on Form 10-Q, are not deemed filed with the
Securities and Exchange Commission and are not to be incorporated by reference
into any filing of Stifel Financial Corp. under the Securities Act of 1933, as
amended, or the Securities Act of 1934, as amended, whether made before or
after the date of this Form 10-Q, irrespective of any general incorporation
language contained in such filing.</p>

<p class=MsoFooter align=center style='text-align:center'>71</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br
clear=all style='page-break-before:always'>


<p class=MsoNormal style='line-height:1.0pt'><a
name="OLE_LINK1">&nbsp;</a></p>







<p class=MsoNormal align=center style='margin-top:6.0pt;margin-right:0in;
margin-bottom:0in;margin-left:.5in;margin-bottom:.0001pt;text-align:center;
text-indent:-.5in'><b><i>SIGNATURES</i></b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Pursuant to the
requirements of the Securities Exchange Act of 1934, the Registrant has duly
caused this report to be signed on its behalf by the undersigned, thereunto
duly authorized.</p>
<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>&nbsp;</p>



<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='margin-left:293.4pt;border-collapse:collapse'>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>STIFEL
  FINANCIAL CORP.</p>
  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoFooter>&nbsp;</p>
	<p class=MsoFooter>/s/
  Ronald J. Kruszewski&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>
  </td>
 </tr>
 <tr style='height:37.8pt'>
  <td width=246 valign=top style='width:184.5pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:37.8pt'>
  <p class=MsoNormal>Ronald
  J. Kruszewski<br>
  Chairman of the Board, President,<br>
  Chief Executive Officer, and Director</p>
  </td>
 </tr>
</table>



</div>
<div align="center">



<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0
 style='margin-left:293.4pt;border-collapse:collapse'>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
 </tr>
 <tr>
  <td width=246 valign=top style='width:184.5pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoFooter>&nbsp;</p>
	<p class=MsoFooter>/s/
  James M. Zemlyak&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>
  </td>
 </tr>
 <tr style='height:37.8pt'>
  <td width=246 valign=top style='width:184.5pt;border:none;padding:0in 5.4pt 0in 5.4pt;
  height:37.8pt'>
  <p class=MsoNormal>James
  M. Zemlyak<br>
  Senior Vice President,<br>
  Chief Financial Officer, and Treasurer</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal>Date:&nbsp;
May 11, 2009</p>

<p class=MsoFooter align=center style='text-align:center'>72</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

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clear=all style='page-break-before:always'>










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<DOCUMENT>
<TYPE>EX-31
<SEQUENCE>3
<FILENAME>r10qexhibit31.htm
<DESCRIPTION>CEO & CFO CERTIFICATION
<TEXT>
<html>

<head>
<title>EXHIBIT 31</title>
</head>

<body>

<p align="center"><b>EXHIBIT 31.1<br>
CERTIFICATIONS</b></p>

<p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>

<p style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;
text-align:justify'>I,
Ronald J. Kruszewski, certify that:</p>

<ol style='margin-top:0in' start=1 type=1>
 <li class=MsoNormal style='margin-bottom:6.0pt;text-align:justify'>I have reviewed
     this quarterly report on Form 10-Q of Stifel Financial Corp.;</li>
 <li class=MsoNormal style='margin-bottom:6.0pt;text-align:justify'>Based on my
     knowledge, this report does not contain any untrue statement of a material
     fact or omit to state a material fact necessary to make the statements
     made, in light of the circumstances under which such statements were made,
     not misleading with respect to the period covered by this report;</li>
 <li class=MsoNormal style='margin-bottom:6.0pt;text-align:justify'>Based on my
     knowledge, the financial statements, and other financial information
     included in this report, fairly present in all material respects the
     financial condition, results of operations and cash flows of the
     registrant as of, and for, the periods presented in this report;</li>
 <li class=MsoNormal style='margin-bottom:6.0pt;text-align:justify'>The registrant's
     other certifying officer and I are responsible for establishing and maintaining
     disclosure controls and procedures (as defined in Exchange Act Rules
     13a-15(e) and 15d-15(e)) and internal control over financial reporting (as
     defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant
     and we have:</li>
</ol>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:.75in;text-align:justify;text-indent:-.25in'>a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Designed such disclosure
controls and procedures, or caused such disclosure controls and procedures to
be designed under our supervision, to ensure that material information relating
to the registrant, including its consolidated subsidiaries, is made known to us
by others within those entities, particularly during the period in which this
report is being prepared;</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:.75in;text-align:justify;text-indent:-.25in'>b.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Designed such internal
control over financial reporting, or caused such internal control over
financial reporting to be designed under our supervision, to provide reasonable
assurance regarding the reliability of financial reporting and the preparation
of financial statements for external purposes in accordance with generally
accepted accounting principles;</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:.75in;text-align:justify;text-indent:-.25in'>c.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Evaluated the
effectiveness of the registrant's disclosure controls and procedures and
presented in this report our conclusions about the effectiveness of the
disclosure controls and procedures, as of the end of the period covered by this
report based on such evaluation; and</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:.75in;text-align:justify;text-indent:-.25in'>d.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Disclosed in this report
any change in the registrant's internal control over financial reporting that
occurred during the registrant's most recent fiscal quarter (the registrant's
fourth fiscal quarter in the case of an annual report) that has materially
affected, or is reasonably likely to materially affect, the registrant's
internal control over financial reporting; and</p>

<ol style='margin-top:0in' start=5 type=1>
 <li class=MsoNormal style='margin-bottom:6.0pt;text-align:justify'>The registrant's
     other certifying officer and I have disclosed, based on our most recent
     evaluation of internal control over financial reporting, to the
     registrant's auditors and the audit committee of the registrant's board of
     directors (or persons performing the equivalent functions):</li>
</ol>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:.75in;text-align:justify;text-indent:-.25in'>a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; All significant
deficiencies and material weaknesses in the design or operation of internal
control over financial reporting which are reasonably likely to adversely
affect the registrant's ability to record, process, summarize and report
financial information; and</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:.75in;text-align:justify;text-indent:-.25in'>b.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Any fraud, whether or
not material, that involves management or other employees who have a
significant role in the registrant's internal control over financial reporting.</p>



<div align=center>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=637
 style='width:477.8pt;border-collapse:collapse' id="table1">
 <tr>
  <td width=322 valign=top style='width:3.35in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-align:justify'>Date: May 11, 2009</p>
  </td>
  <td width=315 valign=top style='width:236.6pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoFooter>/s/
  Ronald J. Kruszewski&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>
  </td>
 </tr>
 <tr>
  <td width=322 valign=top style='width:3.35in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=315 valign=top style='width:236.6pt;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>Ronald
  J. Kruszewski<br>
  President and Chief Executive Officer<br>
  (Principal Executive Officer)</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoFooter align=center style='text-align:center'>&nbsp;</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br
clear=all style='page-break-before:always'>










<p class=MsoNormal align=center style='text-align:center'><b>CERTIFICATIONS</b></p>

<p class=MsoNormal align=center style='text-align:center'><b>&nbsp;</b></p>

<p style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;margin-left:0in;
text-align:justify'>I,
James M. Zemlyak, certify that:</p>

<ol style='margin-top:0in' start=1 type=1>
 <li class=MsoNormal style='margin-bottom:6.0pt;text-align:justify'>I have reviewed
     this quarterly report on Form 10-Q of Stifel Financial Corp.;</li>
 <li class=MsoNormal style='margin-bottom:6.0pt;text-align:justify'>Based on my
     knowledge, this report does not contain any untrue statement of a material
     fact or omit to state a material fact necessary to make the statements
     made, in light of the circumstances under which such statements were made,
     not misleading with respect to the period covered by this report;</li>
 <li class=MsoNormal style='margin-bottom:6.0pt;text-align:justify'>Based on my
     knowledge, the financial statements, and other financial information
     included in this report, fairly present in all material respects the
     financial condition, results of operations and cash flows of the
     registrant as of, and for, the periods presented in this report;</li>
 <li class=MsoNormal style='margin-bottom:6.0pt;text-align:justify'>The registrant's
     other certifying officer and I are responsible for establishing and
     maintaining disclosure controls and procedures (as defined in Exchange Act
     Rules 13a-15(e) and 15d-15(e)) and internal control over financial
     reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant
     and we have:</li>
</ol>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:.75in;text-align:justify;text-indent:-.25in'>a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Designed such disclosure
controls and procedures, or caused such disclosure controls and procedures to
be designed under our supervision, to ensure that material information relating
to the registrant, including its consolidated subsidiaries, is made known to us
by others within those entities, particularly during the period in which this
report is being prepared;</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:.75in;text-align:justify;text-indent:-.25in'>b.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Designed such internal
control over financial reporting, or caused such internal control over
financial reporting to be designed under our supervision, to provide reasonable
assurance regarding the reliability of financial reporting and the preparation
of financial statements for external purposes in accordance with generally
accepted accounting principles;</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:.75in;text-align:justify;text-indent:-.25in'>c.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Evaluated the
effectiveness of the registrant's disclosure controls and procedures and
presented in this report our conclusions about the effectiveness of the
disclosure controls and procedures, as of the end of the period covered by this
report based on such evaluation; and</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:.75in;text-align:justify;text-indent:-.25in'>d.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Disclosed in this report
any change in the registrant's internal control over financial reporting that
occurred during the registrant's most recent fiscal quarter (the registrant's
fourth fiscal quarter in the case of an annual report) that has materially
affected, or is reasonably likely to materially affect, the registrant's
internal control over financial reporting; and</p>

<ol style='margin-top:0in' start=5 type=1>
 <li class=MsoNormal style='margin-bottom:6.0pt;text-align:justify'>The registrant's
     other certifying officer and I have disclosed, based on our most recent
     evaluation of internal control over financial reporting, to the
     registrant's auditors and the audit committee of the registrant's board of
     directors (or persons performing the equivalent functions):</li>
</ol>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:.75in;text-align:justify;text-indent:-.25in'>a.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; All significant
deficiencies and material weaknesses in the design or operation of internal
control over financial reporting which are reasonably likely to adversely
affect the registrant's ability to record, process, summarize and report
financial information; and</p>

<p class=MsoNormal style='margin-top:0in;margin-right:0in;margin-bottom:6.0pt;
margin-left:.75in;text-align:justify;text-indent:-.25in'>b.&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Any fraud, whether or
not material, that involves management or other employees who have a
significant role in the registrant's internal control over financial reporting.</p>



<div align=center>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=637
 style='width:477.8pt;border-collapse:collapse' id="table2">
 <tr>
  <td width=322 valign=top style='width:3.35in;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-align:justify'>Date: &nbsp;May 11, 2009</p>
  </td>
  <td width=315 valign=top style='width:236.6pt;border:none;border-bottom:solid windowtext 1.0pt;
  padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoFooter>/s/
  James M. Zemlyak&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </p>
  </td>
 </tr>
 <tr>
  <td width=322 valign=top style='width:3.35in;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=315 valign=top style='width:236.6pt;border:none;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal>James
  M. Zemlyak<br>
  Chief Financial Officer and Treasurer<br>
  (Principal Financial Officer)</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoFooter align=center style='text-align:center'>&nbsp;</p>

</body>

</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32
<SEQUENCE>4
<FILENAME>r10qexhibit32.htm
<DESCRIPTION>CEO & CFO SOX CERTIFICATION
<TEXT>
<html>

<head>
<title>EXHIBIT 32</title>
</head>

<body>

<p align="center">





<b>EXHIBIT 32.1<br>
CERTIFICATIONS</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Pursuant to 18 U.S.C. &sect; 1350, the undersigned officer
of Stifel Financial Corp. (the &quot;Company&quot;) hereby certifies that the Company's
Quarterly Report on Form 10-Q for the quarter ended March 31, 2009 (the
&quot;Report&quot;) fully complies with the requirements of Section 13(a) or 15(d), as
applicable, of the Securities Exchange Act of 1934 and that the information contained
in the Report fairly presents, in all material respects, the financial
condition and results of operations of the Company.</p>



<div align=center>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=595
 style='width:6.2in;margin-left:.75in;border-collapse:collapse' id="table1">
 <tr>
  <td width=319 valign=top style='width:239.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-align:justify'>Date: &nbsp;May 11, 2009</p>
  </td>
  <td width=276 valign=top style='width:207.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoFooter><u>/s/
  Ronald J. Kruszewski&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </u></p>
  </td>
 </tr>
 <tr>
  <td width=319 valign=top style='width:239.4pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=276 valign=top style='width:207.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-align:justify'>Ronald
  J. Kruszewski<br>
	President and Chief Executive Officer</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoNormal style='margin-top:6.0pt;text-indent:.25in'>The foregoing certification is being furnished solely
pursuant to 18 U.S.C. &sect; 1350 and is not being filed as part of the Report or as
a separate disclosure document.</p>

<div class=MsoNormal align=center style='text-align:center'>

<hr size=2 width="100%" noshade color=navy align=center>

</div>



<br clear=all
style='page-break-before:always'>










<p class=MsoNormal align=center style='text-align:center'><b>CERTIFICATIONS</b></p>

<p class=MsoNormal style='margin-top:6.0pt;text-align:justify;text-indent:.25in'>Pursuant to 18 U.S.C. &sect; 1350, the undersigned officer
of Stifel Financial Corp. (the &quot;Company&quot;) hereby certifies that the Company's
Quarterly Report on Form 10-Q for the quarter ended March 31, 2009 (the
&quot;Report&quot;) fully complies with the requirements of Section 13(a) or 15(d), as
applicable, of the Securities Exchange Act of 1934 and that the information
contained in the Report fairly presents, in all material respects, the
financial condition and results of operations of the Company.</p>



<div align=center>

<table class=MsoNormalTable border=0 cellspacing=0 cellpadding=0 width=595
 style='width:6.2in;margin-left:.75in;border-collapse:collapse' id="table2">
 <tr>
  <td width=319 valign=top style='width:239.4pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-align:justify'>Date: May 11, 2009</p>
  </td>
  <td width=276 valign=top style='width:207.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoFooter><u>/s/
  James M. Zemlyak&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </u></p>
  </td>
 </tr>
 <tr>
  <td width=319 valign=top style='width:239.4pt;padding:0in 5.4pt 0in 5.4pt'>

  </td>
  <td width=276 valign=top style='width:207.0pt;padding:0in 5.4pt 0in 5.4pt'>
  <p class=MsoNormal style='text-align:justify'>James
  M. Zemlyak<br>
	Chief Financial
  Officer
  and Treasurer</p>
  </td>
 </tr>
</table>

</div>

<p class=MsoFooter align=center style='text-align:center'>The foregoing certification is being furnished solely
pursuant to 18 U.S.C. &sect; 1350 and is not being filed as part of the Report or as
a separate disclosure document. </p>
<p class=MsoFooter align=center style='text-align:center'>&nbsp;</p>

</body>

</html>
</TEXT>
</DOCUMENT>
</SUBMISSION>
