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<SEC-DOCUMENT>0001010521-05-000368.txt : 20050830
<SEC-HEADER>0001010521-05-000368.hdr.sgml : 20050830
<ACCEPTANCE-DATETIME>20050830131247
ACCESSION NUMBER:		0001010521-05-000368
CONFORMED SUBMISSION TYPE:	N-PX
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20050630
FILED AS OF DATE:		20050830
DATE AS OF CHANGE:		20050830
EFFECTIVENESS DATE:		20050830

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HANCOCK JOHN BANK & THRIFT OPPORTUNITY FUND
		CENTRAL INDEX KEY:			0000925683
		IRS NUMBER:				043241844
		STATE OF INCORPORATION:			MA

	FILING VALUES:
		FORM TYPE:		N-PX
		SEC ACT:		1940 Act
		SEC FILE NUMBER:	811-08568
		FILM NUMBER:		051057944

	BUSINESS ADDRESS:	
		STREET 1:		C/O JOHN HANCOCK FUNDS
		STREET 2:		601 CONGRESS STREET
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02210
		BUSINESS PHONE:		617-663-3000

	MAIL ADDRESS:	
		STREET 1:		C/O JOHN HANCOCK FUNDS
		STREET 2:		601 CONGRESS STREET
		CITY:			BOSTON
		STATE:			MA
		ZIP:			02210

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HANCOCK JOHN REGIONAL BANK & THRIFT FUND
		DATE OF NAME CHANGE:	19940620
</SEC-HEADER>
<DOCUMENT>
<TYPE>N-PX
<SEQUENCE>1
<FILENAME>bto.txt
<DESCRIPTION>BANK AND THRIFT OPPORTUNITY FUND
<TEXT>
                                 FORM N-PX
       ANNUAL REPORT OF PROXY VOTING RECORD OF REGISTERED MANAGEMENT
                            INVESTMENT COMPANY

Investment Company Act file number: 811-8568

John Hancock Bank and Thrift Opportunity Fund
- -------------------------------------------------------------------------
  (Exact name of registrant as specified in charter)

601 Congress Street
Boston, Massachusetts 02210-2805
- -------------------------------------------------------------------------
  (Address of principal executive offices)

Amanda Spring
John Hancock Advisers, LLC
601 Congress Street
Boston, Massachusetts 02210-2805
- -------------------------------------------------------------------------
  (Name and address of agent for service)


Registrant's telephone number, including area code: 1-800-225-5291

Date of Fiscal year-end: 6/30/2005

Date of reporting period: 7/1/2004 - 6/30/2005

   Item 1. Proxy Voting Record
   Account Number: 12725400 Bank & Thrift

   ISSUER NAME TICKER CUSIP MTG DATE MTG TYPE
           Proposal Type Voted? Vote For/Agnst Mgmt
   ABC Bancorp ABCB  000400101  5/17/05  Annual
   1.01   Elect J. Raymond Fulp MGMT YES FOR FOR
   1.02   Elect Robert P. Lynch MGMT YES FOR FOR
   1.03   Elect Henry C. Wortman MGMT YES FOR FOR
   1.04   Elect Brooks Sheldon MGMT YES FOR FOR
   1.05   Elect Glenn A. Kirbo MGMT YES FOR FOR
   2.00   Ratify selection of auditors MGMT YES FOR FOR
   3.00 Adopt the 2005 Omnibus Stock Ownership and Long-Term Incentive Plan MGMT
   YES AGNST AGNST 4.00 Approve other business MGMT YES FOR FOR

   Affiliated Managers Group AMG 008252108 6/1/05 Annual 1.01 Elect Richard E.
   Floor MGMT YES FOR FOR 1.02 Elect Sean M. Healey MGMT YES FOR FOR 1.03 Elect
   Harold J. Meyerman MGMT YES FOR FOR 1.04 Elect William J. Nutt MGMT YES FOR
   FOR 1.05 Elect Robert C. Puff Jr MGMT YES FOR FOR 1.06 Elect Rita M.
   Rodriguez MGMT YES FOR FOR 2.00 Amend annual bonus plan MGMT YES FOR FOR 3.00
   Ratify selection of auditors MGMT YES FOR FOR

   Alabama National Bancorporation ALAB 010317105 5/4/05 Annual 1.01 Elect W.
   Ray Barnes MGMT YES FOR FOR 1.02 Elect Bobby A. Bradley MGMT YES FOR FOR 1.03
   Elect Dan M. David MGMT YES FOR FOR 1.04 Elect John V. Denson MGMT YES FOR
   FOR 1.05 Elect Griffin A. Greene MGMT YES FOR FOR 1.06 Elect John H. Holcomb
   III MGMT YES FOR FOR 1.07 Elect John D. Johns MGMT YES FOR FOR 1.08 Elect
   John J. McMahon Jr. MGMT YES FOR FOR 1.09 Elect C. Phillip McWane MGMT YES
   WHOLD AGNST 1.10 Elect William D. Montgomery MGMT YES FOR FOR 1.11 Elect
   Richard Murray IV MGMT YES FOR FOR 1.12 Elect C. Lloyd Nix MGMT YES FOR FOR
   1.13 Elect G. Ruffner Page Jr. MGMT YES FOR FOR 1.14 Elect John M. Plunk MGMT
   YES FOR FOR 1.15 Elect W. Stancil Starnes MGMT YES FOR FOR 1.16 Elect W.Edgar
   Welden MGMT YES FOR FOR 2.00 Increase authorized common stock MGMT YES FOR
   FOR 3.00 Approve annual bonus plan MGMT YES FOR FOR 4.00 Ratify selection of
   auditors MGMT YES FOR FOR

   Amegy Bancorporation Inc ABNK 02343R102 5/4/05 Annual 1.01 Elect Carin M.
   Barth MGMT YES FOR FOR 1.02 Elect Paul W. Hobby MGMT YES FOR FOR 1.03 Elect
   John W. Johnson MGMT YES FOR FOR 1.04 Elect Walter E. Johnson MGMT YES FOR
   FOR 1.05 Elect Wilhelmina E Robertson MGMT YES FOR FOR 1.06 Elect Scott J.
   McLean MGMT YES FOR FOR 2.00 Approve name change MGMT YES FOR FOR 3.00
   Increase authorized common stock MGMT YES FOR FOR 4.00 Ratify selection of
   auditors MGMT YES FOR FOR

   AmericanWest Bancorp AWBC 03058P109 4/26/05 Annual 1.01 Elect Gary M. Bolyard
   MGMT YES FOR FOR 1.02 Elect Robert M. Daugherty MGMT YES FOR FOR 1.03 Elect
   Craig D. Eerkes MGMT YES FOR FOR 1.04 Elect James Rand Elliott MGMT YES FOR
   FOR 1.05 Elect Donald H. Livingstone MGMT YES FOR FOR 1.06 Elect Allen
   Ketelsen MGMT YES FOR FOR 1.07 Elect Donald H. Swartz II MGMT YES FOR FOR
   1.08 Elect P. Mike Taylor MGMT YES FOR FOR

   AmSouth Bancorporation ASO  032165102  4/21/05  Annual
   1.01   Elect Earnest W. Deavenport Jr. MGMT YES WHOLD AGNST
   1.02   Elect James R. Malone MGMT YES WHOLD AGNST
   1.03   Elect Ronald L. Kuehn Jr. MGMT YES WHOLD AGNST
   2.00   Ratify selection of auditors MGMT YES FOR FOR
   3.00   Review political spending or lobbying SHLDR YES ABSTAIN AGNST

   Astoria Financial Corp AF  046265104  5/18/05  Annual
   1.01   Elect George L. Engelke Jr. MGMT YES FOR FOR
   1.02   Elect Robert J. Conway MGMT YES FOR FOR
   1.03   Elect Peter C. Haeffner Jr. MGMT YES FOR FOR
   1.04   Elect Ralph F. Palleschi MGMT YES FOR FOR
   1.05   Elect Leo J. Waters MGMT YES FOR FOR
   2.00   Adopt the 2005 Stock Incentive Plan MGMT YES FOR FOR
   3.00   Ratify selection of auditors MGMT YES FOR FOR

   Bank of America Corp BAC 060505104 4/27/05 Annual 1.01 Elect William Barnet
   III MGMT YES FOR FOR 1.02 Elect Charles W. Coker MGMT YES FOR FOR 1.03 Elect
   John T. Collins MGMT YES FOR FOR 1.04 Elect Gary L. Countryman MGMT YES FOR
   FOR 1.05 Elect Paul Fulton MGMT YES FOR FOR 1.06 Elect Charles K. Gifford
   MGMT YES FOR FOR 1.07 Elect W. Steven Jones MGMT YES FOR FOR 1.08 Elect
   Kenneth D. Lewis MGMT YES FOR FOR 1.09 Elect Walter E. Massey MGMT YES FOR
   FOR 1.10 Elect Thomas J. May MGMT YES FOR FOR 1.11 Elect Patricia E. Mitchell
   MGMT YES FOR FOR 1.12 Elect Edward L. Romero MGMT YES FOR FOR 1.13 Elect
   Thomas M. Ryan MGMT YES FOR FOR 1.14 Elect O. Temple Sloan Jr. MGMT YES FOR
   FOR 1.15 Elect Meredith R. Spangler MGMT YES FOR FOR 1.16 Elect Robert L.
   Tillman MGMT YES FOR FOR 1.17 Elect Jacquelyn M. Ward MGMT YES FOR FOR 2.00
   Ratify selection of auditors MGMT YES FOR FOR 3.00 Review political spending
   or lobbying SHLDR YES ABSTAIN AGNST 4.00 Double board nominees SHLDR YES
   AGNST FOR

   Bank of New York Co Inc BK 064057102 4/12/05 Annual 1.01 Elect Frank J.
   Biondi Jr. MGMT YES FOR FOR 1.02 Elect Nicholas M. Donofrio MGMT YES FOR FOR
   1.03 Elect Gerald L. Hassell MGMT YES FOR FOR 1.04 Elect Richard J. Kogan
   MGMT YES FOR FOR 1.05 Elect Michael J. Kowalski MGMT YES FOR FOR 1.06 Elect
   John A. Luke Jr. MGMT YES FOR FOR 1.07 Elect John C. Malone MGMT YES FOR FOR
   1.08 Elect Paul Myners MGMT YES FOR FOR 1.09 Elect Catherine A. Rein MGMT YES
   FOR FOR 1.10 Elect Thomas A. Renyi MGMT YES FOR FOR 1.11 Elect William C.
   Richardson MGMT YES FOR FOR 1.12 Elect Brian L. Roberts MGMT YES FOR FOR 1.13
   Elect Samuel C. Scott III MGMT YES FOR FOR 2.00 Ratify selection of auditors
   MGMT YES FOR FOR 3.00 Adopt cumulative voting SHLDR YES AGNST FOR 4.00
   Restrict executive compensation SHLDR YES AGNST FOR

   BB&T Corp BBT  054937107  4/26/05  Annual
   1.01   Elect Alfred E. Cleveland MGMT YES FOR FOR
   1.02   Elect Anna R. Cablik MGMT YES FOR FOR
   1.03   Elect John P. Howe III MGMT YES FOR FOR
   1.04   Elect Nido R. Qubein MGMT YES FOR FOR
   1.05   Elect Albert F. Zettlemoyer MGMT YES FOR FOR
   2.00   Ratify selection of auditors MGMT YES FOR FOR

   Beverly National Corp BVNC 088115100 4/26/05 Annual 1.00 Approve board size
   MGMT YES FOR FOR 2.01 Elect Donat A. Fournier MGMT YES FOR FOR 2.02 Elect
   Mark B. Glovsky MGMT YES FOR FOR 2.03 Elect Kevin M. Burke MGMT YES FOR FOR
   3.00 Ratify selection of auditors MGMT YES FOR FOR 4.00 Adopt stock award
   plan MGMT YES AGNST AGNST 5.00 Approve other business MGMT YES FOR FOR

   BOK Financial Corp BOKF 05561Q201 4/26/05 Annual 1.01 Elect Gregory S. Allen
   MGMT YES FOR FOR 1.02 Elect C. Fred Ball Jr. MGMT YES FOR FOR 1.03 Elect
   Sharon J. Bell MGMT YES FOR FOR 1.04 Elect Peter C. Boylan III MGMT YES FOR
   FOR 1.05 Elect Chester Cadieux III MGMT YES FOR FOR 1.06 Elect Joseph E.
   Cappy MGMT YES FOR FOR 1.07 Elect Paula Marshall-Chapman MGMT YES FOR FOR
   1.08 Elect William E. Durrett MGMT YES FOR FOR 1.09 Elect Robert G. Greer
   MGMT YES FOR FOR 1.10 Elect David F. Griffin MGMT YES FOR FOR 1.11 Elect V.
   Burns Hargis MGMT YES FOR FOR 1.12 Elect E. Carey Joullian IV MGMT YES FOR
   FOR 1.13 Elect George B. Kaiser MGMT YES FOR FOR 1.14 Elect Judith Z. Kishner
   MGMT YES FOR FOR 1.15 Elect David L. Kyle MGMT YES FOR FOR 1.16 Elect Robert
   J. LaFortune MGMT YES FOR FOR 1.17 Elect Stanley A. Lybarger MGMT YES FOR FOR
   1.18 Elect Steven J. Malcolm MGMT YES FOR FOR 1.19 Elect Steven E. Moore MGMT
   YES FOR FOR 1.20 Elect James A. Robinson MGMT YES FOR FOR 1.21 Elect L.
   Francis Rooney III MGMT YES FOR FOR 1.22 Elect Kathryn L. Taylor MGMT YES FOR
   FOR

   Camden National CAC 133034108 4/26/05 Annual 1.01 Elect Robert J. Campbell
   MGMT YES FOR FOR 1.02 Elect Ward I. Graffam MGMT YES FOR FOR 1.03 Elect John
   W. Holmes MGMT YES FOR FOR 1.04 Elect Winfield F. Robinson MGMT YES FOR FOR
   2.00 Ratify selection of auditors MGMT YES FOR FOR

   Capital City Bank Group CCBG 139674105 4/26/05 Annual 1.01 Elect Thomas A.
   Barron MGMT YES FOR FOR 1.02 Elect J. Everitt Drew MGMT YES FOR FOR 1.03
   Elect Lina S. Knox MGMT YES FOR FOR 1.04 Elect John R. Lewis MGMT YES FOR FOR
   2.00 Ratify selection of auditors MGMT YES FOR FOR

   Cardinal Financial CFNL 14149F109 4/22/05 Annual 1.01 Elect William G. Buck
   MGMT YES FOR FOR 1.02 Elect Sidney O. Dewberry MGMT YES FOR FOR 1.03 Elect
   John W. Fisher MGMT YES FOR FOR 1.04 Elect William E. Peterson MGMT YES FOR
   FOR 2.00 Add Shares to Stock Incentive Plan MGMT YES AGNST AGNST 3.00 Ratify
   selection of auditors MGMT YES FOR FOR

   Cascade Bancorp CACB 147154108 4/25/05 Annual 1.01 Elect Gary L. Capps MGMT
   YES FOR FOR 1.02 Elect James E. Petersen MGMT YES FOR FOR 1.03 Elect Ryan R.
   Patrick MGMT YES FOR FOR 2.00 Increase authorized common stock MGMT YES FOR
   FOR

   Chittenden Corp CHZ 170228100 4/20/05 Annual 1.01 Elect Sally W. Crawford
   MGMT YES FOR FOR 1.02 Elect Philip M. Drumheller MGMT YES FOR FOR 1.03 Elect
   James C. Pizzagalli MGMT YES FOR FOR 1.04 Elect Ernest A. Pomerleau MGMT YES
   FOR FOR 2.00 Increase authorized common stock MGMT YES FOR FOR 3.00 Approve
   annual bonus plan MGMT YES FOR FOR 4.00 Add Shares to Stock Incentive Plan
   MGMT YES FOR FOR
       Amend Stock Incentive Plan

   CIT Group Inc CIT 125581108 5/11/05 Annual 1.01 Elect Jeffrey M. Peek MGMT
   YES FOR FOR 1.02 Elect Gary C. Butler MGMT YES FOR FOR 1.03 Elect William A.
   Farlinger MGMT YES FOR FOR 1.04 Elect William M. Freeman MGMT YES FOR FOR
   1.05 Elect Thomas H. Kean MGMT YES FOR FOR 1.06 Elect Marianne Miller Parrs
   MGMT YES FOR FOR 1.07 Elect Timothy M. Ring MGMT YES FOR FOR 1.08 Elect John
   R. Ryan MGMT YES FOR FOR 1.09 Elect Peter J. Tobin MGMT YES FOR FOR 1.10
   Elect Lois M. Van Deusen MGMT YES FOR FOR 2.00 Ratify selection of auditors
   MGMT YES FOR FOR 3.00 Approve other business MGMT YES FOR FOR

   Citigroup Inc C 172967101 4/19/05 Annual 1.01 Elect C. Michael Armstrong MGMT
   YES FOR FOR 1.02 Elect Alain J.P. Belda MGMT YES FOR FOR 1.03 Elect George
   David MGMT YES FOR FOR 1.04 Elect Kenneth T. Derr MGMT YES FOR FOR 1.05 Elect
   John Deutch MGMT YES FOR FOR 1.06 Elect Roberto H. Ramirez MGMT YES FOR FOR
   1.07 Elect Ann Dibble Jordan MGMT YES FOR FOR 1.08 Elect Klaus Kleinfeld MGMT
   YES FOR FOR 1.09 Elect Dudley C. Mecum II MGMT YES FOR FOR 1.10 Elect Anne M.
   Mulcahy MGMT YES FOR FOR 1.11 Elect Richard D. Parsons MGMT YES FOR FOR 1.12
   Elect Charles Prince MGMT YES FOR FOR 1.13 Elect Judith Rodin MGMT YES FOR
   FOR 1.14 Elect Robert E. Rubin MGMT YES FOR FOR 1.15 Elect Franklin A. Thomas
   MGMT YES FOR FOR 1.16 Elect Sanford I. Weill MGMT YES FOR FOR 1.17 Elect
   Robert B. Willumstad MGMT YES FOR FOR 2.00 Ratify selection of auditors MGMT
   YES FOR FOR 3.00 Add Shares to Stock Incentive Plan MGMT YES AGNST AGNST 4.00
   Restrict executive compensation SHLDR YES AGNST FOR
   5.00 Review political spending or lobbying SHLDR YES ABSTAIN AGNST 6.00
   Independent board chairman SHLDR YES AGNST FOR 7.00 Restrict executive
   compensation SHLDR YES AGNST FOR 8.00 Majority vote to elect directors SHLDR
   YES FOR AGNST 9.00 Restrict executive compensation SHLDR YES AGNST FOR 10.00
   Eliminate supermajority provision SHLDR YES FOR AGNST

   City Holding CHCO 177835105 4/27/05 Annual 1.01 Elect Samuel M. Bowling MGMT
   YES FOR FOR 1.02 Elect Hugh R. Clonch MGMT YES WHOLD AGNST 1.03 Elect Robert
   D. Fisher MGMT YES FOR FOR 1.04 Elect Jay C. Goldman MGMT YES FOR FOR 1.05
   Elect Charles R Hageboeck MGMT YES FOR FOR 1.06 Elect Philip L. McLaughlin
   MGMT YES FOR FOR 2.00 Ratify selection of auditors MGMT YES FOR FOR

   City National Corp CYN 178566105 5/4/05 Annual 1.01 Elect Richard L. Bloch
   MGMT YES FOR FOR 1.02 Elect Bram Goldsmith MGMT YES FOR FOR 1.03 Elect Robert
   H. Tuttle MGMT YES FOR FOR 1.04 Elect Kenneth Ziffren MGMT YES FOR FOR 2.00
   Ratify selection of auditors MGMT YES FOR FOR

   CoBiz COBZ 190897108 5/19/05 Annual 1.01 Elect Steven Bangert MGMT YES FOR
   FOR 1.02 Elect Michael B. Burgamy MGMT YES FOR FOR 1.03 Elect Jerry W.
   Chapman MGMT YES FOR FOR 1.04 Elect Thomas M. Longust MGMT YES FOR FOR 1.05
   Elect Jonathan C. Lorenz MGMT YES FOR FOR 1.06 Elect Evan Makovsky MGMT YES
   FOR FOR 1.07 Elect Harold F. Mosanko MGMT YES FOR FOR 1.08 Elect Howard R.
   Ross MGMT YES FOR FOR 1.09 Elect Noel N. Rothman MGMT YES FOR FOR 1.10 Elect
   Timothy J. Travis MGMT YES FOR FOR 1.11 Elect Mary Beth Vitale MGMT YES FOR
   FOR 1.12 Elect Mary White MGMT YES FOR FOR 2.00 Increase authorized common
   stock MGMT YES FOR FOR
   3.00 Adopt the 2005 Equity Incentive Plan MGMT YES AGNST AGNST 4.00 Prohibit
   targeted share placement SHLDR YES AGNST FOR

   Colonial BancGroup CNB 195493309 4/20/05 Annual 1.01 Elect Augustus K.
   Clements III MGMT YES FOR FOR 1.02 Elect Patrick F. Dye MGMT YES FOR FOR 1.03
   Elect Milton E. McGregor MGMT YES FOR FOR 1.04 Elect William E. Powell III
   MGMT YES FOR FOR 1.05 Elect Simuel Sippial MGMT YES FOR FOR 2.00 Increase
   authorized common stock MGMT YES FOR FOR 3.00 Authorize preferred stock MGMT
   YES AGNST AGNST 4.00 Reapprove option/bonus plan for OBRA MGMT YES FOR FOR

   Columbia Bancorp Maryland CBMD  197227101  5/31/05  Annual
   1.01   Elect John M. Bond Jr. MGMT YES FOR FOR
   1.02   Elect William L. Hermann MGMT YES FOR FOR
   1.03   Elect Charles C. Holman MGMT YES FOR FOR
   1.04   Elect Winfield M. Kelly Jr. MGMT YES FOR FOR
   1.05   Elect Harry L. Lundy Jr. MGMT YES FOR FOR
   1.06   Elect James R. Moxley III MGMT YES FOR FOR
   1.07   Elect Mary S. Scrivener MGMT YES FOR FOR
   1.08   Elect Theodore G. Venetoulis MGMT YES FOR FOR
   1.09   Elect James J. Winn Jr. MGMT YES FOR FOR

   Columbia Bancorp Oregon CBBO  197231103  4/28/05  Annual
   1.01   Elect Lori R. Boyd MGMT YES FOR FOR
   1.02   Elect Dennis L. Carver MGMT YES FOR FOR
   1.03   Elect James J. Doran MGMT YES FOR FOR
   1.04   Elect Donald T. Mitchell MGMT YES FOR FOR

   Columbia Banking Systems Inc COLB 197236102 4/27/05 Annual 1.01 Elect Melanie
   J. Dressel MGMT YES FOR FOR 1.02 Elect John P. Folsom MGMT YES FOR FOR 1.03
   Elect Frederick M. Goldberg MGMT YES FOR FOR 1.04 Elect Thomas M. Hulbert
   MGMT YES FOR FOR 1.05 Elect Thomas L. Matson MGMT YES FOR FOR 1.06 Elect
   Daniel C. Regis MGMT YES FOR FOR 1.07 Elect Donald Rodman MGMT YES FOR FOR
   1.08 Elect William T. Weyerhaeuser MGMT YES FOR FOR 1.09 Elect James M. Will
   MGMT YES FOR FOR 2.00 Add Shares to Stock Incentive Plan MGMT YES FOR FOR
       Amend Stock Incentive Plan
   3.00   Misc. board of directors MGMT YES FOR FOR
       Approve non-technical charter amendments

   Comerica Inc CMA  200340107  5/17/05  Annual
   1.01   Elect Joseph J. Buttigieg III MGMT YES FOR FOR
   1.02   Elect J. Philip DiNapoli MGMT YES FOR FOR
   1.03   Elect Roger T. Fridholm MGMT YES FOR FOR
   1.04   Elect Alfred A. Piergallini MGMT YES FOR FOR
   1.05   Elect Patricia M. Wallington MGMT YES FOR FOR
   1.06   Elect Gail L. Warden MGMT YES FOR FOR
   2.00   Ratify selection of auditors MGMT YES FOR FOR

   Commercial Bankshares CLBK 201607108 4/21/05 Annual 1.01 Elect Joseph W.
   Armaly MGMT YES FOR FOR 1.02 Elect Jack J. Partagas MGMT YES FOR FOR 1.03
   Elect Cromwell A. Anderson MGMT YES FOR FOR 1.04 Elect Robert Namoff MGMT YES
   FOR FOR 1.05 Elect Sherman Simon MGMT YES FOR FOR 1.06 Elect Michael W.
   Sontag MGMT YES FOR FOR 1.07 Elect Martin Yelen MGMT YES FOR FOR 2.00 Approve
   other business MGMT YES FOR FOR

   Commercial Capital Bancorp Inc CCBI 20162L105 4/26/05 Annual 1.01 Elect R.
   Rand Sperry MGMT YES FOR FOR 1.02 Elect Mark E. Schaffer MGMT YES FOR FOR
   1.03 Elect Christopher G. Hagerty MGMT YES FOR FOR 1.04 Elect David S.
   DePillo MGMT YES FOR FOR 1.05 Elect James G Brakke MGMT YES FOR FOR 1.06
   Elect Gary W. Brummett MGMT YES FOR FOR 1.07 Elect Stephen H. Gordon MGMT YES
   FOR FOR 1.08 Elect Robert J Shackleton MGMT YES FOR FOR 1.09 Elect Barney R.
   Northcote MGMT YES FOR FOR 2.00 Ratify selection of auditors MGMT YES FOR FOR

   Community Bancorp (NV) CBON 20343T100 5/19/05 Annual 1.01 Elect Noall J.
   Bennett MGMT YES FOR FOR 1.02 Elect Jacob D. Bingham MGMT YES FOR FOR 1.03
   Elect Edward M. Jamison MGMT YES FOR FOR 1.04 Elect Charles R. Norton MGMT
   YES FOR FOR 1.05 Elect Gary R. Stewart MGMT YES FOR FOR 1.06 Elect Russell C.
   Taylor MGMT YES FOR FOR 2.00 Adopt the 2005 Equity Based Compensation Plan
   MGMT YES AGNST AGNST

   Community Banks (PA) CMTY 203628102 5/31/05 Annual 1.00 Approve
   merger/acquisition MGMT YES FOR FOR 2.00 Increase authorized common stock
   MGMT YES FOR FOR 3.01 Elect Eddie L. Dunklebarger MGMT YES FOR FOR 4.00
   Adjourn meeting MGMT YES FOR FOR

   Compass Bancshares Inc CBSS 20449H109 4/18/05 Annual 1.01 Elect James H.
   Click Jr. MGMT YES FOR FOR 1.02 Elect Tranum Fitzpatrick MGMT YES FOR FOR
   1.03 Elect John S. Stein MGMT YES FOR FOR 2.00 Ratify selection of auditors
   MGMT YES FOR FOR

   Countrywide Financial Corp CFC 222372104 8/17/04 Special 1.00 Increase
   Authorized Common Stock MGMT YES FOR FOR

   Countrywide Financial Corp CFC 222372104 6/15/05 Annual 1.01 Elect Angelo R.
   Mozilo MGMT YES FOR FOR 1.02 Elect Stanford L. Kurland MGMT YES FOR FOR 1.03
   Elect Oscar P. Robertson MGMT YES FOR FOR 1.04 Elect Keith P. Russell MGMT
   YES FOR FOR 2.00 Amend annual bonus plan MGMT YES FOR FOR 3.00 Ratify
   selection of auditors MGMT YES FOR FOR

   Cullen/Frost Bankers Inc CFR 229899109 5/18/05 Annual 1.01 Elect R. Denny
   Alexander MGMT YES FOR FOR 1.02 Elect Carlos Alvarez MGMT YES FOR FOR 1.03
   Elect Royce S. Caldwell MGMT YES FOR FOR 1.04 Elect Ruben M. Escobedo MGMT
   YES FOR FOR 1.05 Elect Ida Clement Steen MGMT YES FOR FOR 2.00 Adopt the 2005
   Omnibus Incentive Plan MGMT YES AGNST AGNST 3.00 Ratify selection of auditors
   MGMT YES FOR FOR

   Dearborn Bancorp Inc DEAR 24242R108 5/17/05 Annual 1.01 Elect William J.
   Demmer MGMT YES FOR FOR 1.02 Elect Bradley F. Keller MGMT YES FOR FOR 1.03
   Elect Richard Nordstrom MGMT YES FOR FOR 1.04 Elect Ronnie J. Story MGMT YES
   FOR FOR 2.00 Adopt the 2005 Long Term Incentive Plan MGMT YES AGNST AGNST

   DNB Financial Corp 3DNBF 233237106 4/18/05 Annual 1.01 Elect James H.
   Thornton MGMT YES FOR FOR 1.02 Elect William J. Hieb MGMT YES FOR FOR 2.00
   Ratify selection of auditors MGMT YES FOR FOR

   East West Bancorp Inc EWBC 27579R104 5/25/05 Annual 1.01 Elect Dominic Ng
   MGMT YES FOR FOR 1.02 Elect Herman Y. Li MGMT YES FOR FOR 2.00 Increase
   authorized common stock MGMT YES FOR FOR 3.00 Ratify selection of auditors
   MGMT YES FOR FOR

   EuroBancshares Inc EUBK 298716101 5/12/05 Annual 1.01 Elect Rafael
   Arrillaga-Torrens Jr MGMT YES FOR FOR 1.02 Elect Pedro Feliciano Benitez MGMT
   YES FOR FOR 1.03 Elect Placido Gonzalez Cordova MGMT YES FOR FOR 2.00 Adopt
   the 2005 Stock Option Plan MGMT YES AGNST AGNST

   Federal Home Loan Mortgage Corp FRE 313400301 11/4/04 Annual 1.01 Elect
   Barbara T. Alexander MGMT YES FOR FOR 1.02 Elect Geoffrey T. Boisi MGMT YES
   FOR FOR 1.03 Elect Michelle Engler MGMT YES FOR FOR 1.04 Elect Richard Karl
   Goeltz MGMT YES FOR FOR 1.05 Elect Thomas S. Johnson MGMT YES FOR FOR 1.06
   Elect William M. Lewis Jr MGMT YES FOR FOR 1.07 Elect John B. McCoy MGMT YES
   FOR FOR 1.08 Elect Eugene M. McQuade MGMT YES FOR FOR 1.09 Elect Shaun F.
   O'Malley MGMT YES FOR FOR 1.10 Elect Ronald F. Poe MGMT YES FOR FOR 1.11
   Elect Stephen A. Ross MGMT YES FOR FOR 1.12 Elect Richard F. Syron MGMT YES
   FOR FOR 1.13 Elect William J. Turner MGMT YES FOR FOR 2.00 Ratify Selection
   of Auditors MGMT YES FOR FOR 3.00 Adopt Stock Option Plan MGMT YES FOR FOR
   4.00 Adopt Employee Stock Purchase Plan MGMT YES FOR FOR

   Fifth Third Bancorp FITB 316773100 3/22/05 Annual 1.01 Elect James P. Hackett
   MGMT YES FOR FOR 1.02 Elect Joan R. Herschede MGMT YES FOR FOR 1.03 Elect
   Robert L. Koch II MGMT YES FOR FOR 1.04 Elect Kenneth W. Lowe MGMT YES FOR
   FOR 1.05 Elect Thomas W. Traylor MGMT YES FOR FOR 2.00 Give board authority
   to set board size MGMT YES FOR FOR 3.00 Ratify selection of auditors MGMT YES
   FOR FOR

   Financial Institutions FISI 317585404 5/4/05 Annual 1.01 Elect Barton P.
   Dambra MGMT YES FOR FOR 1.02 Elect John E. Benjamin MGMT YES FOR FOR 1.03
   Elect Susan R. Holliday MGMT YES FOR FOR 1.04 Elect Peter G. Humphrey MGMT
   YES FOR FOR 1.05 Elect Robert N. Latella MGMT YES FOR FOR 1.06 Elect Thomas
   P. Connolly MGMT YES FOR FOR

   First Charter FCTR  319439105  4/27/05  Annual
   1.01   Elect William R. Black MGMT YES FOR FOR
   1.02   Elect James E. Burt III MGMT YES FOR FOR
   1.03   Elect Jerry A. Felts MGMT YES FOR FOR
   1.04   Elect John J. Godbold Jr. MGMT YES FOR FOR
   1.05   Elect L. D. Warlick Jr. MGMT YES FOR FOR
   1.06   Elect William W. Waters MGMT YES FOR FOR
   2.00 Add Shares to Stock Incentive Plan MGMT YES AGNST AGNST 3.00 Ratify
   selection of auditors MGMT YES FOR FOR

   First Horizon National Corp FHN 320517105 4/19/05 Annual 1.01 Elect Simon F.
   Cooper MGMT YES FOR FOR 1.02 Elect James A. Haslam III MGMT YES FOR FOR 1.03
   Elect Mary F. Sammons MGMT YES FOR FOR 2.00 Ratify selection of auditors MGMT
   YES FOR FOR

   First Midwest Bancorp Inc FMBI  320867104  5/18/05  Annual
   1.01   Elect Thomas M. Garvin MGMT YES FOR FOR
   1.02   Elect John M. O'Meara MGMT YES FOR FOR
   1.03   Elect John E. Rooney MGMT YES FOR FOR

   First National Bankshares of Florida Inc FLB 321100109 8/26/04 Special 1.00
   Approve Merger/Acquisition MGMT YES FOR FOR
       Approve Common Stock Issuance

   First National Bankshares of Florida Inc FLB 321100109 11/22/04 Special 1.00
   Approve Merger/Acquisition MGMT YES FOR FOR

   First National Lincoln Corp FNLC 335716106 4/28/05 Annual 1.00 Approve board
   size MGMT YES FOR FOR 1.01 Elect Tony C. McKim MGMT YES FOR FOR 1.02 Elect
   Mark N. Rosenborough MGMT YES FOR FOR 1.03 Elect Katherine Boyd MGMT YES FOR
   FOR 1.04 Elect Carl S. Poole MGMT YES FOR FOR 1.05 Elect David B. Soule Jr.
   MGMT YES FOR FOR 1.06 Elect Bruce B. Tindal MGMT YES FOR FOR 3.00 Ratify
   selection of auditors MGMT YES FOR FOR

   First Regional Bancorp FRGB 33615C101 5/17/05 Annual 1.01 Elect Gary M.
   Horgan MGMT YES FOR FOR 1.02 Elect Thomas E McCullough MGMT YES FOR FOR 1.03
   Elect Richard E Schreiber MGMT YES FOR FOR 2.00 Approve other business MGMT
   YES FOR FOR

   First State Bancorporation FSNM  336453105  6/2/05  Annual
   1.01   Elect Douglas M. Smith MGMT YES FOR FOR
   1.02   Elect Herman N. Wisenteiner MGMT YES FOR FOR
   2.00   Ratify selection of auditors MGMT YES FOR FOR

   FirstMerit Corp FMER  337915102  4/20/05  Annual
   1.01   Elect Karen S. Belden MGMT YES FOR FOR
   1.02   Elect R. Cary Blair MGMT YES FOR FOR
   1.03   Elect Robert W. Briggs MGMT YES FOR FOR
   1.04   Elect Clifford J. Isroff MGMT YES FOR FOR

   FNB Corp (PA) FNB  302520101  5/18/05  Annual
   1.01   Elect Henry M. Ekker MGMT YES FOR FOR
   1.02   Elect Peter Mortensen MGMT YES FOR FOR
   1.03   Elect Earl J. Wahl Jr. MGMT YES FOR FOR
   1.04   Elect David J. Malone MGMT YES FOR FOR

   Fulton Financial FULT  360271100  4/13/05  Annual
   1.01   Elect Thomas W. Hunt MGMT YES FOR FOR
   1.02   Elect Patrick J. Freer MGMT YES FOR FOR
   1.03   Elect Carolyn R. Holleran MGMT YES FOR FOR
   1.04   Elect Donald W. Lesher Jr. MGMT YES FOR FOR
   1.05   Elect Abraham S. Opatut MGMT YES FOR FOR
   1.06   Elect Mary Ann Russell MGMT YES FOR FOR
   1.07   Elect Gary A. Stewart MGMT YES FOR FOR
   2.00   Increase authorized common stock MGMT YES FOR FOR

   Glacier Bancorp GBCI  37637Q105  4/27/05  Annual
   1.01   Elect Michael J. Blodnick MGMT YES FOR FOR
   1.02   Elect Allen J. Fetscher MGMT YES FOR FOR
   1.03   Elect Fred J. Flanders MGMT YES FOR FOR
   2.00   Adopt Stock Incentive Plan MGMT YES AGNST AGNST

   GreenPoint Financial Corp GPT  395384100  8/30/04  Special
   1.00   Approve Merger/Acquisition MGMT YES FOR FOR

   Harleysville National HNBC  412850109  4/12/05  Annual
   1.01   Elect Gregg J. Wagner MGMT YES FOR FOR
   1.02   Elect James A. Wimmer MGMT YES FOR FOR
   1.03   Elect William M. Yocum MGMT YES FOR FOR

   Hibernia Corp HIB  428656102  4/20/05  Annual
   1.01   Elect Paul Candies MGMT YES FOR FOR
   1.02   Elect Sidney W. Lassen MGMT YES FOR FOR
   1.03   Elect Janee M. Mercadel-Tucker MGMT YES FOR FOR
   1.04   Elect Ray B. Nesbitt MGMT YES FOR FOR
   2.00   Ratify selection of auditors MGMT YES FOR FOR

   Independent Bank (MI) IBCP 453838104 4/26/05 Annual 1.01 Elect Michael M.
   Magee MGMT YES FOR FOR 1.02 Elect Robert L. Hetzler MGMT YES FOR FOR 1.03
   Elect Terry L. Haske MGMT YES FOR FOR 1.04 Elect Charles A. Palmer MGMT YES
   FOR FOR 2.00 Add Shares to Stock Incentive Plan MGMT YES AGNST AGNST

   International Bancshares Corp IBOC 459044103 5/16/05 Annual 1.01 Elect Lester
   Avigael MGMT YES FOR FOR 1.02 Elect Irving Greenblum MGMT YES FOR FOR 1.03
   Elect R. David Guerra MGMT YES FOR FOR 1.04 Elect Richard E. Haynes MGMT YES
   FOR FOR 1.05 Elect Daniel B. Hastings Jr. MGMT YES FOR FOR 1.06 Elect Imelda
   Navarro MGMT YES FOR FOR 1.07 Elect Sioma Neiman MGMT YES FOR FOR 1.08 Elect
   Peggy J. Newman MGMT YES FOR FOR 1.09 Elect Dennis E. Nixon MGMT YES FOR FOR
   1.10 Elect Leonardo Salinas MGMT YES FOR FOR 1.11 Elect Antonio R. Sanchez
   Jr. MGMT YES FOR FOR 2.00 Ratify selection of auditors MGMT YES FOR FOR 3.00
   Increase authorized common stock MGMT YES FOR FOR 4.00 Adopt the 2005 Stock
   Option Plan MGMT YES AGNST AGNST

   JPMorgan Chase & Co JPM 46625H100 5/17/05 Annual 1.01 Elect Hans W. Becherer
   MGMT YES FOR FOR 1.02 Elect John H. Biggs MGMT YES FOR FOR 1.03 Elect
   Lawrence A. Bossidy MGMT YES FOR FOR 1.04 Elect Stephen B. Burke MGMT YES FOR
   FOR 1.05 Elect James S. Crown MGMT YES FOR FOR 1.06 Elect James Dimon MGMT
   YES FOR FOR 1.07 Elect Ellen V. Futter MGMT YES FOR FOR 1.08 Elect William H.
   Gray III MGMT YES FOR FOR 1.09 Elect William B. Harrison Jr. MGMT YES FOR FOR
   1.10 Elect Laban P. Jackson Jr. MGMT YES FOR FOR 1.11 Elect John W. Kessler
   MGMT YES FOR FOR 1.12 Elect Robert I. Lipp MGMT YES FOR FOR 1.13 Elect
   Richard A. Manoogian MGMT YES FOR FOR 1.14 Elect David C. Novak MGMT YES FOR
   FOR 1.15 Elect Lee R. Raymond MGMT YES FOR FOR 1.16 Elect William C. Weldon
   MGMT YES FOR FOR 2.00 Ratify selection of auditors MGMT YES FOR FOR 3.00
   Adopt the 2005 Long-Term Incentive Plan MGMT YES AGNST AGNST 4.00 Director
   tenure/retirement age SHLDR YES AGNST FOR 5.00 Independent board chairman
   SHLDR YES AGNST FOR 6.00 Restrict executive compensation SHLDR YES AGNST FOR
   7.00 Restrict executive compensation SHLDR YES AGNST FOR

   KeyCorp KEY  493267108  5/5/05  Annual
   1.01   Elect Edward P. Campbell MGMT YES FOR FOR
   1.02   Elect H.James Dallas MGMT YES FOR FOR
   1.03   Elect Charles R. Hogan MGMT YES FOR FOR
   1.04   Elect Lauralee E. Martin MGMT YES FOR FOR
   1.05   Elect Bill R. Sanford MGMT YES FOR FOR
   2.00   Ratify selection of auditors MGMT YES FOR FOR

   Legg Mason Inc LM 524901105 7/20/04 Annual 1.01 Elect Harold L. Adams MGMT
   YES FOR FOR 1.02 Elect James W. Brinkley MGMT YES FOR FOR 1.03 Elect Raymond
   A. Mason MGMT YES FOR FOR 1.04 Elect Margaret Milner Richardson MGMT YES FOR
   FOR 1.05 Elect Kurt L. Schmoke MGMT YES FOR FOR 2.00 Adopt Stock Option Plan
   MGMT YES AGNST AGNST
   3.00 Amend Director Stock Option Plan MGMT YES AGNST AGNST

   LSB LSBX  50215P100  5/3/05  Annual
   1.01   Elect Eugene A. Beliveau MGMT YES FOR FOR
   1.02   Elect Byron R. Cleveland Jr. MGMT YES FOR FOR
   1.03   Elect Robert F. Hatem MGMT YES FOR FOR
   1.04   Elect Paul A. Miller MGMT YES FOR FOR
   2.00   Ratify selection of auditors MGMT YES FOR FOR

   M&T Bank Corp MTB  55261F104  4/19/05  Annual
   1.01   Elect William F. Allyn MGMT YES FOR FOR
   1.02   Elect Brent D. Baird MGMT YES FOR FOR
   1.03   Elect Robert J. Bennett MGMT YES FOR FOR
   1.04   Elect C. Angela Bontempo MGMT YES FOR FOR
   1.05   Elect Robert T. Brady MGMT YES FOR FOR
   1.06   Elect Emerson L. Brumback MGMT YES FOR FOR
   1.07   Elect Michael D. Buckley MGMT YES FOR FOR
   1.08   Elect Patrick J. Callan MGMT YES FOR FOR
   1.09   Elect R. Carlos Carballada MGMT YES FOR FOR
   1.10   Elect T. Jefferson Cunningham III MGMT YES FOR FOR
   1.11   Elect Richard E. Garman MGMT YES WHOLD AGNST
   1.12   Elect Derek C. Hathaway MGMT YES FOR FOR
   1.13   Elect Daniel R. Hawbaker MGMT YES FOR FOR
   1.14   Elect Patrick W.E. Hodgson MGMT YES FOR FOR
   1.15   Elect Gary Kennedy MGMT YES FOR FOR
   1.16   Elect Richard G. King MGMT YES FOR FOR
   1.17   Elect Reginald B. Newman II MGMT YES FOR FOR
   1.18   Elect Jorge G. Pereira MGMT YES FOR FOR
   1.19   Elect Michael P. Pinto MGMT YES FOR FOR
   1.20   Elect Robert E. Sadler Jr. MGMT YES FOR FOR
   1.21   Elect Eugene J. Sheehy MGMT YES FOR FOR
   1.22   Elect Stephen G. Sheetz MGMT YES FOR FOR
   1.23   Elect Herbert L. Washington MGMT YES FOR FOR
   1.24   Elect Robert G. Wilmers MGMT YES FOR FOR
   2.00   Adopt Stock Incentive Plan MGMT YES AGNST AGNST
   3.00   Ratify selection of auditors MGMT YES FOR FOR

   Marshall & Ilsley Corp MI  571834100  4/26/05  Annual
   1.01   Elect Andrew N. Baur MGMT YES FOR FOR
   1.02   Elect John W. Daniels Jr MGMT YES FOR FOR
   1.03   Elect John A. Mellowes MGMT YES FOR FOR
   1.04   Elect Robert J. O'Toole MGMT YES FOR FOR
   1.05   Elect John S. Shiely MGMT YES FOR FOR
   2.00   Ratify selection of auditors MGMT YES FOR FOR

   MB Financial MBFI  55264U108  4/26/05  Annual
   1.01   Elect Burton J. Field MGMT YES FOR FOR
   1.02   Elect Lawrence E. Gilford MGMT YES FOR FOR
   1.03   Elect Patrick Henry MGMT YES FOR FOR
   1.04   Elect Richard J. Holmstrom MGMT YES FOR FOR
   1.05   Elect Clarence Mann MGMT YES FOR FOR
   1.06   Elect Karen J. May MGMT YES FOR FOR
   1.07   Elect Kenneth A. Skopec MGMT YES FOR FOR

   MBNA Corp KRB 55262L100 5/2/05 Annual 1.01 Elect James H. Berick MGMT YES FOR
   FOR 1.02 Elect Mary M. Boies MGMT YES FOR FOR 1.03 Elect Benjamin R.
   Civiletti MGMT YES FOR FOR 1.04 Elect Bruce L. Hammonds MGMT YES FOR FOR 1.05
   Elect William L. Jews MGMT YES FOR FOR 1.06 Elect Randolph D. Lerner MGMT YES
   FOR FOR 1.07 Elect Stuart L. Markowitz MGMT YES FOR FOR 1.08 Elect William B.
   Milstead MGMT YES FOR FOR 1.09 Elect Thomas G. Murdough MGMT YES FOR FOR 1.10
   Elect Laura S. Unger MGMT YES FOR FOR 2.00 Ratify selection of auditors MGMT
   YES FOR FOR 3.00 Expense stock options SHLDR YES AGNST FOR 4.00 Restrict
   executive compensation SHLDR YES AGNST FOR

   Mellon Financial Corp MEL 58551A108 4/19/05 Annual 1.01 Elect Ruth E. Bruch
   MGMT YES FOR FOR 1.02 Elect Steven G. Elliott MGMT YES FOR FOR 1.03 Elect
   Edmund F. Kelly MGMT YES FOR FOR 1.04 Elect Robert Mehrabian MGMT YES FOR FOR
   1.05 Elect Wesley W. von Schack MGMT YES FOR FOR 2.00 Ratify selection of
   auditors MGMT YES FOR FOR

   Mercantile Bankshares Corp MRBK 587405101 5/10/05 Annual 1.01 Elect Eddie C
   Brown MGMT YES FOR FOR 1.02 Elect Anthony W. Deering MGMT YES FOR FOR 1.03
   Elect Freeman A. Hrabowski III MGMT YES FOR FOR 1.04 Elect Jenny G. Morgan
   MGMT YES FOR FOR 1.05 Elect Clayton S. Rose MGMT YES FOR FOR 1.06 Elect
   Donald J. Shepard MGMT YES FOR FOR 1.07 Elect Jay M. Wilson MGMT YES FOR FOR
   2.00 Ratify selection of auditors MGMT YES FOR FOR 3.00 Adopt director stock
   award plan MGMT YES FOR FOR

   Merrill Merchants MERB 59021H103 4/27/05 Annual 1.01 Elect Perry B. Hansen
   MGMT YES FOR FOR 1.02 Elect Frederick A. Oldenburg Jr. MGMT YES FOR FOR 1.03
   Elect Dennis L. Shubert MGMT YES FOR FOR 1.04 Elect William P. Lucy MGMT YES
   FOR FOR 2.00 Ratify selection of auditors MGMT YES FOR FOR

   Metlife Inc MET 59156R108 4/26/05 Annual 1.01 Elect Cheryl W. Grise MGMT YES
   FOR FOR 1.02 Elect James R Houghton MGMT YES FOR FOR 1.03 Elect Helene L.
   Kaplan MGMT YES FOR FOR 1.04 Elect Sylvia M. Mathews MGMT YES FOR FOR 1.05
   Elect William C. Steere Jr. MGMT YES FOR FOR 2.00 Ratify selection of
   auditors MGMT YES FOR FOR
   3.00   Report on insurance sales practices SHLDR YES AGNST FOR

   Mid-State Bancshares MDST 595440108 5/17/05 Annual 1.01 Elect Gregory R.
   Morris MGMT YES FOR FOR 1.02 Elect Carrol R. Pruett MGMT YES FOR FOR 2.00
   Adopt the 2005 Equity Based Compensation Plan MGMT YES AGNST AGNST

   National City Corp NCC 635405103 4/26/05 Annual 1.01 Elect Jon E. Barfield
   MGMT YES FOR FOR 1.02 Elect James S. Broadhurst MGMT YES FOR FOR 1.03 Elect
   Christopher M. Connor MGMT YES FOR FOR 1.04 Elect David A. Daberko MGMT YES
   FOR FOR 1.05 Elect Joseph T. Gorman MGMT YES FOR FOR 1.06 Elect Bernadine P.
   Healy MGMT YES FOR FOR 1.07 Elect S. Craig Lindner MGMT YES FOR FOR 1.08
   Elect Paul A. Ormond MGMT YES FOR FOR 1.09 Elect Robert A. Paul MGMT YES FOR
   FOR 1.10 Elect Gerald L. Shaheen MGMT YES FOR FOR 1.11 Elect Jerry Sue
   Thornton MGMT YES FOR FOR 1.12 Elect Morry Weiss MGMT YES FOR FOR 2.00 Ratify
   selection of auditors MGMT YES FOR FOR

   National Commerce Financial NCF 63545P104 9/15/04 Special 1.00 Approve
   Merger/Acquisition MGMT YES FOR FOR 2.00 Adjourn Meeting MGMT YES FOR FOR

   New Century Financial Corp NCEN 64352D101 9/15/04 Annual 1.00 Approve
   Restructuring MGMT YES FOR FOR 2.01 Elect Fredric J. Forster MGMT YES FOR FOR
   2.02 Elect Edward F. Gotschall MGMT YES FOR FOR 2.03 Elect Richard A. Zona
   MGMT YES FOR FOR 3.00 Adopt Stock Option Plan MGMT YES AGNST AGNST 4.00
   Ratify Selection of Auditors MGMT YES FOR FOR

   New York Community Bancorp Inc NYB 649445103 6/1/05 Annual 1.01 Elect
   Dominick Ciampa MGMT YES FOR FOR 1.02 Elect William C. Frederick MGMT YES FOR
   FOR 1.03 Elect Max L. Kupferberg MGMT YES FOR FOR 1.04 Elect Joseph L.
   Mancino MGMT YES FOR FOR 1.05 Elect Spiros J. Voutsinas MGMT YES FOR FOR 2.00
   Ratify selection of auditors MGMT YES FOR FOR

   NewAlliance Bancshares NABC 650203102 4/27/05 Annual 1.01 Elect Roxanne J.
   Coady MGMT YES FOR FOR 1.02 Elect John F. Croweak MGMT YES FOR FOR 1.03 Elect
   Sheila B. Flanagan MGMT YES FOR FOR 1.04 Elect Richard J. Grossi MGMT YES FOR
   FOR 2.00 Adopt Stock Incentive Plan MGMT YES AGNST AGNST 3.00 Ratify
   selection of auditors MGMT YES FOR FOR

   North Fork Bancorporation NFB 659424105 8/31/04 Special 1.00 Approve
   Merger/Acquisition MGMT YES FOR FOR
       Approve Common Stock Issuance

   North Fork Bancorporation NFB 659424105 5/3/05 Annual 1.01 Elect John Bohlsen
   MGMT YES FOR FOR 1.02 Elect Daniel M. Healy MGMT YES FOR FOR 1.03 Elect
   Katherine Heaviside MGMT YES FOR FOR 1.04 Elect Thomas S. Johnson MGMT YES
   FOR FOR 2.00 Increase authorized common stock MGMT YES FOR FOR 3.00 Ratify
   selection of auditors MGMT YES FOR FOR

   Northern Trust Corp NTRS 665859104 4/19/05 Annual 1.01 Elect Duane L. Burnham
   MGMT YES FOR FOR 1.02 Elect Susan Crown MGMT YES FOR FOR 1.03 Elect Robert A.
   Helman MGMT YES FOR FOR 1.04 Elect Dipak C. Jain MGMT YES FOR FOR 1.05 Elect
   Arthur L. Kelly MGMT YES FOR FOR 1.06 Elect Robert C. McCormack MGMT YES FOR
   FOR 1.07 Elect Edward J. Mooney MGMT YES FOR FOR 1.08 Elect William A. Osborn
   MGMT YES FOR FOR 1.09 Elect John W. Rowe MGMT YES FOR FOR 1.10 Elect Harold
   B. Smith MGMT YES FOR FOR 1.11 Elect William D. Smithburg MGMT YES FOR FOR
   1.12 Elect Charles A. Tribbett MGMT YES FOR FOR 2.00 Ratify selection of
   auditors MGMT YES FOR FOR

   Northrim BanCorp NRIM 666762109 5/5/05 Annual 1.01 Elect R. Marc Langland
   MGMT YES FOR FOR 1.02 Elect Larry S. Cash MGMT YES FOR FOR 1.03 Elect Mark G.
   Copeland MGMT YES FOR FOR 1.04 Elect Frank A. Danner MGMT YES FOR FOR 1.05
   Elect Ronald A. Davis MGMT YES FOR FOR 1.06 Elect Anthony Drabek MGMT YES FOR
   FOR 1.07 Elect Christopher N. Knudson MGMT YES FOR FOR 1.08 Elect Richard L.
   Lowell MGMT YES FOR FOR 1.09 Elect Irene Sparks Rowan MGMT YES FOR FOR 1.10
   Elect John C. Swalling MGMT YES FOR FOR 1.11 Elect Joseph E. Usibelli MGMT
   YES FOR FOR

   Oriental Financial Group OFG 68618W100 10/26/04 Annual 1.01 Elect Juan C.
   Aguayo MGMT YES FOR FOR 1.02 Elect Emilio Rodriguez Jr. MGMT YES FOR FOR 1.03
   Elect Alberto Richa Angelini MGMT YES FOR FOR 1.04 Elect Miguel
   Vazquez-Deynes MGMT YES FOR FOR

   Pacific Capital Bancorp PCBC 69404P101 5/24/05 Annual 1.01 Elect Edward E.
   Birch MGMT YES FOR FOR 1.02 Elect Richard M. Davis MGMT YES FOR FOR 1.03
   Elect Richard S. Hambleton Jr MGMT YES FOR FOR 1.04 Elect D. Vernon Horton
   MGMT YES FOR FOR 1.05 Elect Roger C. Knopf MGMT YES FOR FOR 1.06 Elect Robert
   W. Kummer Jr. MGMT YES FOR FOR 1.07 Elect Clayton C. Larson MGMT YES FOR FOR
   1.08 Elect John R. Mackall MGMT YES FOR FOR 1.09 Elect Gerald T. McCullough
   MGMT YES FOR FOR 1.10 Elect Richard A. Nightingale MGMT YES FOR FOR 1.11
   Elect Kathy J. Odell MGMT YES FOR FOR 1.12 Elect William S. Thomas Jr. MGMT
   YES FOR FOR 2.00 Adopt the 2005 Directors Stock Plan MGMT YES AGNST AGNST
   3.00 Increase authorized common stock MGMT YES FOR FOR

   PennFed Financial Services PFSB 708167101 10/27/04 Annual 1.01 Elect William
   C. Anderson MGMT YES FOR FOR 1.02 Elect Amadeu Carvalho MGMT YES FOR FOR 2.00
   Ratify Selection of Auditors MGMT YES FOR FOR

   Placer Sierra Bancshares PLSB 726079106 5/31/05 Annual 1.01 Elect Ronald W.
   Bachli MGMT YES FOR FOR 1.02 Elect Christi Black MGMT YES FOR FOR 1.03 Elect
   Robert J. Kushner MGMT YES FOR FOR 1.04 Elect Larry D. Mitchell MGMT YES FOR
   FOR 1.05 Elect Dwayne A. Shackelford MGMT YES FOR FOR 1.06 Elect William J.
   Slaton MGMT YES FOR FOR 1.07 Elect Robert H. Smiley MGMT YES FOR FOR 1.08
   Elect Sandra R. Smoley MGMT YES FOR FOR 2.00 Ratify selection of auditors
   MGMT YES FOR FOR

   PNC Financial Services Group Inc PNC 693475105 4/26/05 Annual 1.01 Elect Paul
   W. Chellgren MGMT YES FOR FOR 1.02 Elect Robert N. Clay MGMT YES FOR FOR 1.03
   Elect J. Gary Cooper MGMT YES FOR FOR 1.04 Elect George A. Davidson Jr. MGMT
   YES FOR FOR 1.05 Elect Richard B. Kelson MGMT YES FOR FOR 1.06 Elect Bruce C.
   Lindsay MGMT YES FOR FOR 1.07 Elect Anthony A. Massaro MGMT YES FOR FOR 1.08
   Elect Thomas H. O'Brien MGMT YES FOR FOR 1.09 Elect Jane G. Pepper MGMT YES
   FOR FOR 1.10 Elect James E. Rohr MGMT YES FOR FOR 1.11 Elect Lorene K.
   Steffes MGMT YES FOR FOR 1.12 Elect Dennis F. Strigl MGMT YES FOR FOR 1.13
   Elect Stephen G. Thieke MGMT YES FOR FOR 1.14 Elect Thomas J. Usher MGMT YES
   FOR FOR 1.15 Elect Milton A. Washington MGMT YES FOR FOR 1.16 Elect Helge H.
   Wehmeier MGMT YES FOR FOR 2.00 Ratify selection of auditors MGMT YES FOR FOR

   Prosperity Bancshares PRSP 743606105 2/23/05 Special 1.00 Approve
   merger/acquisition MGMT YES FOR FOR
       Approve common stock issuance
   2.00   Adopt Stock Incentive Plan MGMT YES AGNST AGNST

   Prosperity Bancshares PRSP 743606105 4/19/05 Annual 1.01 Elect William H.
   Fagan MGMT YES FOR FOR 1.02 Elect D. Michael Hunter MGMT YES FOR FOR 1.03
   Elect Perry Mueller Jr MGMT YES FOR FOR 1.04 Elect Harrison Stafford II MGMT
   YES FOR FOR 1.05 Elect S. Reed Morian MGMT YES FOR FOR 2.00 Ratify selection
   of auditors MGMT YES FOR FOR

   Provident Bankshares Corp PBKS 743859100 5/18/05 Annual 1.01 Elect Thomas S.
   Bozzuto MGMT YES FOR FOR 1.02 Elect Charles W. Cole Jr. MGMT YES FOR FOR 1.03
   Elect Barbara B. Lucas MGMT YES FOR FOR 1.04 Elect Francis G. Riggs MGMT YES
   FOR FOR 1.05 Elect Enos K. Fry MGMT YES FOR FOR 2.00 Ratify selection of
   auditors MGMT YES FOR FOR

   Prudential Financial Inc PRU 744320102 6/7/05 Annual 1.01 Elect James G.
   Cullen MGMT YES FOR FOR 1.02 Elect James A. Unruh MGMT YES FOR FOR 1.03 Elect
   Gordon M. Bethune MGMT YES FOR FOR 2.00 Ratify selection of auditors MGMT YES
   FOR FOR 3.00 Repeal classified board MGMT YES FOR FOR 4.00 Adopt the Employee
   Stock Purchase Plan MGMT YES AGNST AGNST

   Regions Financial Corp RF 7591EP100 5/19/05 Annual 1.01 Elect Allen B. Morgan
   Jr. MGMT YES FOR FOR 1.02 Elect Jorge M. Perez MGMT YES FOR FOR 1.03 Elect
   Spence L. Wilson MGMT YES FOR FOR 1.04 Elect Harry W. Witt MGMT YES FOR FOR
   2.00 Adopt the Executive Bonus Plan MGMT YES FOR FOR 3.00 Ratify selection of
   auditors MGMT YES FOR FOR

   Republic Bancorp Inc RBNC 760282103 4/27/05 Annual 1.01 Elect Jerry D.
   Campbell MGMT YES FOR FOR 1.02 Elect Dana M. Cluckey MGMT YES FOR FOR 1.03
   Elect George J. Butvilas MGMT YES FOR FOR 1.04 Elect Richard J. Cramer MGMT
   YES FOR FOR 1.05 Elect Barry J. Eckhold MGMT YES FOR FOR 1.06 Elect Gary
   Hurand MGMT YES FOR FOR 1.07 Elect Dennis J. Ibold MGMT YES FOR FOR 1.08
   Elect Stanley A. Jacobson MGMT YES FOR FOR 1.09 Elect John J. Lennon MGMT YES
   FOR FOR 1.10 Elect Kelly E. Miller MGMT YES FOR FOR 1.11 Elect Randolph P.
   Piper MGMT YES FOR FOR 1.12 Elect Isaac J. Powell MGMT YES FOR FOR 1.13 Elect
   William C. Rands MGMT YES FOR FOR 1.14 Elect Jeoffrey K. Stross MGMT YES FOR
   FOR 1.15 Elect Steven E. Zack MGMT YES FOR FOR 2.00 Increase authorized
   common stock MGMT YES FOR FOR

   S&T Bancorp STBA 783859101 4/18/05 Annual 1.01 Elect Todd D. Brice MGMT YES
   FOR FOR 1.02 Elect William J. Gatti MGMT YES FOR FOR 1.03 Elect Ruth M. Grant
   MGMT YES FOR FOR 1.04 Elect Samuel Levy MGMT YES FOR FOR 1.05 Elect Charles
   A. Spadafora MGMT YES FOR FOR

   Sandy Spring Bancorp SASR 800363103 4/20/05 Annual 1.01 Elect John Chirtea
   MGMT YES FOR FOR 1.02 Elect Hunter R. Hollar MGMT YES FOR FOR 1.03 Elect
   Craig A. Ruppert MGMT YES FOR FOR 2.00 Adopt Stock Incentive Plan MGMT YES
   AGNST AGNST 3.00 Ratify selection of auditors MGMT YES FOR FOR

   Security Bank SBKC 814047106 4/28/05 Annual 1.01 Elect Edward M. Beckham II
   MGMT YES FOR FOR 1.02 Elect Alford C. Bridges MGMT YES FOR FOR 1.03 Elect
   Thad G. Childs Jr MGMT YES FOR FOR 1.04 Elect John W. Ramsey MGMT YES FOR FOR
   1.05 Elect Robert M. Stalnaker MGMT YES FOR FOR 1.06 Elect Richard W. White
   Jr. MGMT YES FOR FOR 2.00 Increase authorized common stock MGMT YES FOR FOR

   Sky Financial Group Inc SKYF 83080P103 4/20/05 Annual 1.01 Elect Marty E.
   Adams MGMT YES FOR FOR 1.02 Elect Jonathan A. Levy MGMT YES FOR FOR 1.03
   Elect Thomas J. O'Shane MGMT YES FOR FOR 1.04 Elect C. Gregory Spangler MGMT
   YES FOR FOR 1.05 Elect Marylouise Fennell MGMT YES FOR FOR

   SNB Bancshares Inc SNBT 78460M209 5/26/05 Annual 1.01 Elect Wallace J.
   McKenzie MGMT YES FOR FOR 1.02 Elect Richard D. Parker MGMT YES FOR FOR 1.03
   Elect Edmond S. Solymosy MGMT YES FOR FOR 1.04 Elect Robert P. Viles MGMT YES
   FOR FOR 2.00 Ratify selection of auditors MGMT YES FOR FOR

   SouthTrust Corp SOTR 844730101 10/28/04 Special 1.00 Approve
   Merger/Acquisition MGMT YES FOR FOR

   Southwest Bancorp OKSB 844767103 4/28/05 Annual 1.01 Elect J. Berry Harrison
   MGMT YES FOR FOR 1.02 Elect Erd M. Johnson MGMT YES FOR FOR 1.03 Elect Betty
   B. Kerns MGMT YES FOR FOR 1.04 Elect Russell W. Teubner MGMT YES FOR FOR 2.00
   Ratify selection of auditors MGMT YES FOR FOR

   Sovereign Bancorp Inc SOV 845905108 4/21/05 Annual 1.01 Elect P. Michael
   Ehlerman MGMT YES FOR FOR 1.02 Elect Marian L. Heard MGMT YES FOR FOR 1.03
   Elect Jay S. Sidhu MGMT YES FOR FOR 2.00 Ratify selection of auditors MGMT
   YES FOR FOR

   State Street Corp STT 857477103 4/20/05 Annual 1.01 Elect Tenley E. Albright
   MGMT YES FOR FOR 1.02 Elect Kennett F. Burnes MGMT YES FOR FOR 1.03 Elect
   Truman S. Casner MGMT YES FOR FOR 1.04 Elect Nader F. Darehshori MGMT YES FOR
   FOR 1.05 Elect Arthur L. Goldstein MGMT YES FOR FOR 1.06 Elect David P.
   Gruber MGMT YES FOR FOR 1.07 Elect Linda A. Hill MGMT YES FOR FOR 1.08 Elect
   Charles R. Lamantia MGMT YES FOR FOR 1.09 Elect Ronald E. Logue MGMT YES FOR
   FOR 1.10 Elect Richard P. (Rick) Sergel MGMT YES FOR FOR 1.11 Elect Ronald L.
   Skates MGMT YES FOR FOR 1.12 Elect Gregory L. Summe MGMT YES FOR FOR 1.13
   Elect Diana Chapman Walsh MGMT YES FOR FOR 1.14 Elect Robert E. Weissman MGMT
   YES FOR FOR 2.00 Ratify selection of auditors MGMT YES FOR FOR

   Summit Bancshares SBIT 866011109 4/19/05 Annual 1.01 Elect Robert P. Evans
   MGMT YES FOR FOR 1.02 Elect Elliott S. Garsek MGMT YES FOR FOR 1.03 Elect
   Ronald J. Goldman MGMT YES FOR FOR 1.04 Elect F.S. Gunn MGMT YES FOR FOR 1.05
   Elect Robert L. Herchert MGMT YES FOR FOR 1.06 Elect Jay J. Lesok MGMT YES
   FOR FOR 1.07 Elect William W. Meadows MGMT YES WHOLD AGNST 1.08 Elect James
   L. Murray MGMT YES FOR FOR 1.09 Elect Philip E. Norwood MGMT YES FOR FOR 1.10
   Elect Byron B. Searcy MGMT YES FOR FOR 1.11 Elect Roderick D. Stepp MGMT YES
   FOR FOR

   SunTrust Banks Inc STI 867914103 4/19/05 Annual 1.01 Elect Thomas C.
   Farnsworth Jr. MGMT YES FOR FOR 1.02 Elect Patricia C. Frist MGMT YES FOR FOR
   1.03 Elect Blake P. Garrett MGMT YES FOR FOR 1.04 Elect L. Phillip Humann
   MGMT YES FOR FOR 1.05 Elect M. Douglas Ivester MGMT YES FOR FOR 1.06 Elect
   Karen Hastie Williams MGMT YES FOR FOR 1.07 Elect Phail Wynn MGMT YES FOR FOR
   1.08 Elect Thomas M. Garrott III MGMT YES FOR FOR 1.09 Elect Edward Neville
   Isdell MGMT YES FOR FOR 2.00 Ratify selection of auditors MGMT YES FOR FOR
   3.00 Approve annual bonus plan MGMT YES FOR FOR 4.00 Approve long-term bonus
   plan MGMT YES FOR FOR

   Synovus Financial Corp SNV 87161C105 4/28/05 Annual 1.01 Elect Daniel P. Amos
   MGMT YES FOR FOR 1.02 Elect Richard E. Anthony MGMT YES FOR FOR 1.03 Elect C.
   Edward Floyd MGMT YES FOR FOR 1.04 Elect Mason H. Lampton MGMT YES FOR FOR
   1.05 Elect Elizabeth C. Ogie MGMT YES FOR FOR 1.06 Elect Melvin T. Stith MGMT
   YES FOR FOR 2.00 Ratify selection of auditors MGMT YES FOR FOR

   Taylor Capital Group TAYC  876851106  6/16/05  Annual
   1.01   Elect Bruce W. Taylor MGMT YES FOR FOR
   1.02   Elect Ronald Bliwas MGMT YES FOR FOR
   1.03   Elect Ronald D. Emanuel MGMT YES FOR FOR

   TCF Financial Corp TCB 872275102 4/27/05 Annual 1.01 Elect Rodney P. Burwell
   MGMT YES FOR FOR 1.02 Elect William A. Cooper MGMT YES FOR FOR 1.03 Elect
   Thomas A. Cusick MGMT YES FOR FOR 1.04 Elect Peter L. Scherer MGMT YES FOR
   FOR 1.05 Elect Douglas A. Scovanner MGMT YES FOR FOR 2.00 Adopt director
   stock award plan MGMT YES FOR FOR 3.00 Ratify selection of auditors MGMT YES
   FOR FOR

   TD Banknorth Inc   06646R107  2/18/05  Special
   1.00 Approve transaction with Toronto-Dominion Bank MGMT YES FOR FOR 2.00
   Approve merger/acquisition MGMT YES FOR FOR 3.00 Approve reincorporation MGMT
   YES AGNST AGNST 4.00 Authorize dual class common stock MGMT YES FOR FOR 5.00
   Approve non-technical charter amendments MGMT YES AGNST AGNST 6.00 Approve
   written consent policy MGMT YES FOR FOR 7.00 Limit special meeting MGMT YES
   AGNST AGNST 8.00 Repeal classified board MGMT YES FOR FOR 9.00 Repeal fair
   price provision MGMT YES AGNST AGNST 10.00 Eliminate supermajority lock-in
   MGMT YES FOR FOR 11.00 Approve non-technical charter amendments MGMT YES FOR
   FOR 12.00 Approve non-technical charter amendments MGMT YES FOR FOR 13.00 Opt
   out of state takeover Law MGMT YES FOR FOR 14.00 Grant TD preemptive rights
   MGMT YES FOR FOR 15.00 Approve non-technical charter amendments MGMT YES FOR
   FOR

   TD Banknorth Inc BNK  87235A101  5/24/05  Annual
   1.01   Elect Robert G. Clarke MGMT YES FOR FOR
   1.02   Elect P. Kevin Condron MGMT YES FOR FOR
   1.03   Elect John Otis Drew MGMT YES FOR FOR
   1.04   Elect Colleen Khoury MGMT YES FOR FOR
   1.05   Elect Dana S. Levenson MGMT YES FOR FOR
   1.06   Elect Steven T. Martin MGMT YES FOR FOR
   1.07   Elect John M. Naughton MGMT YES FOR FOR
   1.08   Elect Malcolm W. Philbrook Jr. MGMT YES FOR FOR
   1.09   Elect Angelo Pizzagalli MGMT YES FOR FOR
   1.10   Elect Irving E. Rogers III MGMT YES FOR FOR
   1.11   Elect William J. Ryan MGMT YES FOR FOR
   1.12   Elect Curtis M. Scribner MGMT YES FOR FOR
   1.13   Elect Gerry S. Weidema MGMT YES FOR FOR
   2.00   Adopt the Amended and Restated 2003 Equity Plan MGMT YES AGNST
   AGNST

   Texas United Bancshares Inc TXUI 882838105 5/26/05 Annual 1.01 Elect Bruce
   Frenzel MGMT YES FOR FOR 1.02 Elect Hank Novak MGMT YES FOR FOR 1.03 Elect
   Riley C. Peveto MGMT YES FOR FOR 1.04 Elect Jimmy Jack Biffle MGMT YES FOR
   FOR 2.00 Ratify selection of auditors MGMT YES FOR FOR

   Texas United Bancshares, Inc.   882838105  9/14/04  Annual
   1.00   Approve Merger/Acquisition MGMT YES FOR FOR
   2.00 Adjourn Meeting MGMT YES FOR FOR 3.00 Adopt Stock Incentive Plan MGMT
   YES AGNST AGNST 4.00 Approve Charter Amendments MGMT YES FOR FOR
       Give Board Authority to Set Board Size

   TriCo Bancshares TCBK  896095106  5/24/05  Annual
   1.01   Elect William J. Casey MGMT YES FOR FOR
   1.02   Elect Donald J. Amaral MGMT YES FOR FOR
   1.03   Elect Craig S. Compton MGMT YES FOR FOR
   1.04   Elect John S.A. Hasbrook MGMT YES FOR FOR
   1.05   Elect Michael W. Koehnen MGMT YES FOR FOR
   1.06   Elect Donald E. Murphy MGMT YES FOR FOR
   1.07   Elect Steve G. Nettleton MGMT YES FOR FOR
   1.08   Elect Richard P. Smith MGMT YES FOR FOR
   1.09   Elect Carroll R. Taresh MGMT YES FOR FOR
   1.10   Elect Alex A. Vereschagin MGMT YES FOR FOR
   2.00   Amend Stock Incentive Plan MGMT YES FOR FOR
   3.00   Ratify selection of auditors MGMT YES FOR FOR

   U S Bancorp USB  902973304  4/19/05  Annual
   1.01   Elect Joel W. Johnson MGMT YES FOR FOR
   1.02   Elect David B. O'Maley MGMT YES FOR FOR
   1.03   Elect O'Dell M. Owens MGMT YES FOR FOR
   1.04   Elect Craig D. Schnuck MGMT YES WHOLD AGNST
   1.05   Elect Warren R. Staley MGMT YES FOR FOR
   2.00   Ratify selection of auditors MGMT YES FOR FOR
   3.00   Elim. supermajority requirement for business trans MGMT YES FOR
   FOR
   4.00   Restrict executive compensation SHLDR YES AGNST FOR
   5.00   Limit non-audit fees SHLDR YES AGNST FOR

   UCBH Holdings Inc UCBH 90262T308 9/24/04 Special 1.00 Add Shares to Stock
   Option Plan MGMT YES AGNST AGNST
       Amend Stock Option Plan

   UCBH Holdings Inc UCBH 90262T308 5/19/05 Annual 1.01 Elect Li-Lin Ko MGMT YES
   FOR FOR 1.02 Elect Richard Wang Li-Chung MGMT YES FOR FOR 1.03 Elect Dennis
   Wu MGMT YES FOR FOR 2.00 Ratify selection of auditors MGMT YES FOR FOR

   Umpqua Holdings Corp UMPQ 904214103 7/7/04 Special 1.00 Approve
   Merger/Acquisition MGMT YES FOR FOR
       Approve Common Stock Issuance

   Umpqua Holdings Corp UMPQ  904214103  5/6/05  Annual
   1.01   Elect Allyn C. Ford MGMT YES FOR FOR
   1.02   Elect Diane D. Miller MGMT YES FOR FOR
   1.03   Elect Ronald F. Angell MGMT YES FOR FOR
   1.04   Elect Bryan L. Timm MGMT YES FOR FOR
   1.05   Elect Thomas W. Weborg MGMT YES FOR FOR
   1.06   Elect Theodore S. Mason MGMT YES FOR FOR
   2.00   Approve annual bonus plan MGMT YES FOR FOR

   Univest Corporation of Pennsylvania UVSP  915271100  4/12/05  Annual
   1.01   Elect Marvin A. Anders MGMT YES FOR FOR
   1.02   Elect R. Lee Delp MGMT YES FOR FOR
   1.03   Elect H. Ray Mininger MGMT YES FOR FOR
   1.04   Elect P. Gregory Shelly MGMT YES FOR FOR
   1.05   Alternate Richard W. Gottshall MGMT YES FOR FOR
   1.06   Alternate Margaret K. Zook MGMT YES FOR FOR
   1.07   Alternate William G. Morral MGMT YES FOR FOR

   Valley National Bancorp VLY 919794107 4/6/05 Annual 1.01 Elect Andrew B.
   Abramson MGMT YES FOR FOR 1.02 Elect Pamela Bronander MGMT YES FOR FOR 1.03
   Elect Eric P. Edelstein MGMT YES FOR FOR 1.04 Elect Mary J. Guilfoile MGMT
   YES FOR FOR 1.05 Elect H. Dale Hemmerdinger MGMT YES FOR FOR 1.06 Elect
   Graham O. Jones MGMT YES FOR FOR 1.07 Elect Walter H. Jones III MGMT YES FOR
   FOR 1.08 Elect Gerald Korde MGMT YES FOR FOR 1.09 Elect Michael L. LaRusso
   MGMT YES FOR FOR 1.10 Elect Gerald H. Lipkin MGMT YES FOR FOR 1.11 Elect
   Robinson Markel MGMT YES FOR FOR 1.12 Elect Robert E. McEntee MGMT YES FOR
   FOR 1.13 Elect Richard S. Miller MGMT YES FOR FOR 1.14 Elect Barnett Rukin
   MGMT YES FOR FOR 1.15 Elect Leonard J. Vorcheimer MGMT YES FOR FOR 2.00 Adopt
   director stock award plan MGMT YES FOR FOR 3.00 Reapprove option/bonus plan
   for OBRA MGMT YES FOR FOR

   Vineyard National Bancorp VNBC 927426106 5/25/05 Annual 1.01 Elect Frank S.
   Alvarez MGMT YES FOR FOR 1.02 Elect David Buxbaum MGMT YES FOR FOR 1.03 Elect
   Charles L. Keagle MGMT YES FOR FOR 1.04 Elect James LeSieur MGMT YES FOR FOR
   1.05 Elect Norman A. Morales MGMT YES FOR FOR 1.06 Elect Joel H. Ravitz MGMT
   YES FOR FOR 2.00 Increase authorized common stock MGMT YES FOR FOR 3.00 Adopt
   the 2005 Restricted Share Plan MGMT YES AGNST AGNST 4.00 Ratify selection of
   auditors MGMT YES FOR FOR

   Virginia Commerce Bancorp VCBI 92778Q109 4/27/05 Annual 1.01 Elect Leonard
   Adler MGMT YES FOR FOR 1.02 Elect Michael G Anzilotti MGMT YES FOR FOR 1.03
   Elect Peter A. Converse MGMT YES FOR FOR 1.04 Elect Frank L. Cowles Jr. MGMT
   YES FOR FOR 1.05 Elect W. Douglas Fisher MGMT YES FOR FOR 1.06 Elect David M.
   Guernsey MGMT YES FOR FOR 1.07 Elect Robert H. L'Hommedieu MGMT YES FOR FOR
   1.08 Elect Norris E. Mitchell MGMT YES FOR FOR 1.09 Elect Arthur L. Walters
   MGMT YES FOR FOR

   Wachovia Corp WB  929903102  10/28/04  Special
   1.00   Approve Merger/Acquisition MGMT YES FOR FOR
       Approve Common Stock Issuance

   Wachovia Corp WB  929903102  4/19/05  Annual
   1.01   Elect John D. Baker II MGMT YES FOR FOR
   1.02   Elect Peter C. Browning MGMT YES FOR FOR
   1.03   Elect Donald M. James MGMT YES WHOLD AGNST
   1.04   Elect Van L. Richey MGMT YES FOR FOR
   1.05   Elect G. Kennedy Thompson MGMT YES FOR FOR
   1.06   Elect John C. Whitaker Jr. MGMT YES FOR FOR
   1.07   Elect Wallace D. Malone Jr. MGMT YES FOR FOR
   1.08   Elect Robert J. Brown MGMT YES FOR FOR
   2.00   Ratify selection of auditors MGMT YES FOR FOR

   Washington Mutual Inc WM  939322103  4/19/05  Annual
   1.01   Elect Phillip D. Matthews MGMT YES FOR FOR
   1.02   Elect Mary E. Pugh MGMT YES FOR FOR
   1.03   Elect William G. Reed Jr. MGMT YES FOR FOR
   1.04   Elect James H. Stever MGMT YES FOR FOR
   2.00   Ratify selection of auditors MGMT YES FOR FOR

   Webster Financial Corp WBS 947890109 4/21/05 Annual 1.01 Elect George T.
   Carpenter MGMT YES FOR FOR 1.02 Elect John J. Crawford MGMT YES FOR FOR 1.03
   Elect C. Michael Jacobi MGMT YES FOR FOR 2.00 Amend Stock Incentive Plan MGMT
   YES FOR FOR 3.00 Ratify selection of auditors MGMT YES FOR FOR

   Wells Fargo & Co WFC 949746101 4/26/05 Annual 1.01 Elect John A. Blanchard
   III MGMT YES FOR FOR 1.02 Elect Susan E. Engel MGMT YES FOR FOR 1.03 Elect
   Enrique Hernandez Jr. MGMT YES FOR FOR 1.04 Elect Robert L. Joss MGMT YES FOR
   FOR 1.05 Elect Reatha Clark King MGMT YES FOR FOR 1.06 Elect Richard M.
   Kovacevich MGMT YES FOR FOR 1.07 Elect Richard D. McCormick MGMT YES FOR FOR
   1.08 Elect Cynthia H. Milligan MGMT YES FOR FOR 1.09 Elect Philip J. Quigley
   MGMT YES FOR FOR 1.10 Elect Donald B. Rice MGMT YES FOR FOR 1.11 Elect Judith
   M. Runstad MGMT YES FOR FOR 1.12 Elect Stephen W. Sanger MGMT YES FOR FOR
   1.13 Elect Susan G. Swenson MGMT YES FOR FOR 1.14 Elect Michael W. Wright
   MGMT YES FOR FOR 2.00 Add shares to the Long-Term Incentive Compensation Plan
   MGMT YES AGNST AGNST
       Amend Stock Incentive Plan
   3.00 Ratify selection of auditors MGMT YES FOR FOR 4.00 Review fair lending
   policy SHLDR YES ABSTAIN AGNST 5.00 Link executive pay to social criteria
   SHLDR YES AGNST FOR 6.00 Restrict executive compensation SHLDR YES AGNST FOR
   7.00 Restrict executive compensation SHLDR YES AGNST FOR 8.00 Independent
   board chairman SHLDR YES AGNST FOR

   West Coast Bancorp WCBO 952145100 4/26/05 Annual 1.01 Elect Lloyd D. Ankeny
   MGMT YES FOR FOR 1.02 Elect Michael J. Bragg MGMT YES FOR FOR 1.03 Elect
   Duane C. McDougall MGMT YES FOR FOR 1.04 Elect Steven J. Oliva MGMT YES FOR
   FOR 1.05 Elect J. F. Ouderkirk MGMT YES FOR FOR 1.06 Elect Steven N. Spence
   MGMT YES FOR FOR 1.07 Elect Robert D. Sznewajs MGMT YES FOR FOR 1.08 Elect
   David J. Truitt MGMT YES FOR FOR 1.09 Elect Nancy A. Wilgenbusch MGMT YES FOR
   FOR 2.00 Ratify selection of auditors MGMT YES FOR FOR

   Whitney Holding Corp WTNY 966612103 4/27/05 Annual 1.01 Elect Eric J.
   Nickelsen MGMT YES FOR FOR 1.02 Elect William L. Marks MGMT YES FOR FOR 1.03
   Elect Kathryn M. Sullivan MGMT YES FOR FOR 2.00 Ratify selection of auditors
   MGMT YES FOR FOR

   Wilmington Trust Corp WL  971807102  4/21/05  Annual
   1.01   Elect Carolyn S. Burger MGMT YES FOR FOR
   1.02   Elect Robert V.A. Harra Jr. MGMT YES FOR FOR
   1.03   Elect Rex L. Mears MGMT YES FOR FOR
   1.04   Elect Robert W. Tunnell Jr. MGMT YES FOR FOR
   2.00   Adopt Stock Incentive Plan MGMT YES AGNST AGNST

   Yardville National Bancorp YANB  985021104  6/3/05  Annual
   1.01   Elect Jay G. Destribats MGMT YES FOR FOR
   1.02   Elect James E. Bartolomei MGMT YES FOR FOR
   1.03   Elect Gilbert W. Lugossy MGMT YES FOR FOR
   1.04   Elect Christopher S. Vernon MGMT YES FOR FOR
   1.05   Elect Robert L. Workman MGMT YES FOR FOR
   2.01   Elect George D. Muller MGMT YES FOR FOR
   3.00   Adopt the 2005 Equity Incentive Plan MGMT YES AGNST AGNST

   Zions Bancorporation ZION 989701107 5/6/05 Annual 1.01 Elect Jerry C. Atkin
   MGMT YES FOR FOR 1.02 Elect Stephen D. Quinn MGMT YES FOR FOR 1.03 Elect
   Shelley Thomas Williams MGMT YES FOR FOR 2.00 Adopt Stock Incentive Plan MGMT
   YES AGNST AGNST 3.00 Approve annual bonus plan MGMT YES FOR FOR 4.00 Ratify
   selection of auditors MGMT YES FOR FOR 5.00 Approve other business MGMT YES
   FOR FOR

   Any ballot marked 'Abstain' is considered to have been voted. Ballots marked
   'Abstain' are considered to be have been voted against management's
   recommendation, regardless of whether the recommendation is 'For' or
   'Against,' except where management has made no recommendation or has
   recommended that shareholders 'Abstain.' Where management has recommended
   that shareholders 'Abstain' from voting on a ballot item: 1) a ballot market
   'Abstain' is considered to have been voted for management's recommendation to
   'Abstain' and 2) a ballot voted 'For" or 'Against' is considered to have been
   voted against management's recommendation to 'Abstain.' Where management has
   made no recommendation on a ballot item, the abbreviation "N/A" is used to
   denote that there is no applicable recommendation compared to which a vote
   may be 'For' or 'Against' the recommendation of management.

   SIGNATURES:
   Pursuant to the requirements of the Investment Company Act of 1940, the
   registrant has duly caused this report to be signed on its behalf by the
   undersigned, thereunto duly authorized.

John Hancock Bank and Thrift Opportunity Fund
- -------------------------------------------------------------------------
       (Registrant)

By:     /s/Ismail Gunes
- -------------------------------------------------------------------------
       (Signature & Title)

Name:   Ismail Gunes
Title:  Vice President

Date:   August 30, 2005
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
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