<SEC-DOCUMENT>0000892917-11-000167.txt : 20111007
<SEC-HEADER>0000892917-11-000167.hdr.sgml : 20111007
<ACCEPTANCE-DATETIME>20111006200109
ACCESSION NUMBER:		0000892917-11-000167
CONFORMED SUBMISSION TYPE:	SC 13D
PUBLIC DOCUMENT COUNT:		1
FILED AS OF DATE:		20111007
DATE AS OF CHANGE:		20111006
GROUP MEMBERS:		JOSEPH STILWELL
GROUP MEMBERS:		STILWELL ADVISORS LLC
GROUP MEMBERS:		STILWELL ASSOCIATES INSURANCE FUND OF THE S.A.L.I. MULTI-SER
GROUP MEMBERS:		STILWELL ASSOCIATES, L.P.
GROUP MEMBERS:		STILWELL VALUE LLC
GROUP MEMBERS:		STILWELL VALUE PARTNERS II, L.P.
GROUP MEMBERS:		STILWELL VALUE PARTNERS VI, L.P.
GROUP MEMBERS:		STILWELL VALUE PARTNERS VII, L.P.

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			STILWELL JOSEPH
		CENTRAL INDEX KEY:			0001113303

	FILING VALUES:
		FORM TYPE:		SC 13D

	MAIL ADDRESS:	
		STREET 1:		111 BROADWAY, 12TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10006

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PROVIDENT FINANCIAL HOLDINGS INC
		CENTRAL INDEX KEY:			0001010470
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				330704889
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0630

	FILING VALUES:
		FORM TYPE:		SC 13D
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	005-48569
		FILM NUMBER:		111130527

	BUSINESS ADDRESS:	
		STREET 1:		3756 CENTRAL AVE
		CITY:			RIVERSIDE
		STATE:			CA
		ZIP:			92506
		BUSINESS PHONE:		9096866060

	MAIL ADDRESS:	
		STREET 1:		3756 CENTRAL AVENUE
		CITY:			RIVERSIDE
		STATE:			CA
		ZIP:			92506
</SEC-HEADER>
<DOCUMENT>
<TYPE>SC 13D
<SEQUENCE>1
<FILENAME>stilprov13d111006.htm
<TEXT>

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   <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No.

   743868101</font></p>

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   <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

   13D</font></p>

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   <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">1</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">

   </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of

   28</font></font></p>

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<p style="margin:0in;margin-bottom:.0001pt;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></font></p>





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<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times NewRoman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">UNITED STATES<br>
SECURITIES AND EXCHANGE COMMISSION<br>
Washington, D.C. 20549</font></b></p>

<p align=center style="margin-bottom:5.0pt;margin-left:0in;margin-right:0in;margin-top:5.0pt;page-break-after:auto;text-align:center;"><b><font face="Times New Roman" lang=EN-US style="font-size:14.0pt;layout-grid-mode:line;">SCHEDULE
13D</font></b></p>

<p align=center style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;page-break-after:auto;text-align:center;"><b><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;layout-grid-mode:line;">Under the
Securities Exchange Act of 1934<br>
(Amendment No.&#160;&#160;&#160; )</font></b></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;text-indent:0in;"><b><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;line-height:normal;">PROVIDENT FINANCIAL HOLDINGS,
INC.</font></b></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;text-indent:0in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;line-height:normal;">(Name of Issuer)</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;text-indent:0in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;text-indent:0in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;line-height:normal;">Common Stock, par value $0.01 per share</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;text-indent:0in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;line-height:normal;">(Title of Class of Securities)</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;text-indent:0in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;line-height:normal;">743868101</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;text-indent:0in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;line-height:normal;">(CUSIP Number)</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;text-indent:0in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;line-height:normal;">&nbsp;</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">Mr. Joseph Stilwell</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">111 Broadway, 12<sup>th</sup> Floor</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">New York, New York 10006</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">Telephone:&#160; (212)
269-5800</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">with a copy to:</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">Spencer L. Schneider,
Esq.</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">111 Broadway, 12<sup>th</sup> Floor</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">New York, New York 10006</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">Telephone:&#160; (212) 267-6900</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">(Name, Address and
Telephone Number of Person</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">Authorized to Receive
Notices and Communications)</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;text-indent:0in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;line-height:normal;">September 26, 2011<br>
(Date of Event which Requires Filing of this Statement)</font></p>

<p style="margin:0in;margin-bottom:.0001pt;text-align:justify;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:12.0pt;text-align:justify;text-indent:0in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;line-height:normal;">If the filing person has previously filed a statement
on Schedule 13G to report the acquisition that is the subject of this Schedule
13D, and is filing this schedule because of &#167;&#167;240.13d-1(e), 240.13d-1(f) or
240.13d-1(g), check the following box. [ &nbsp; ]</font></p>

<p style="margin:0in;margin-bottom:12.0pt;text-align:justify;text-indent:0in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;line-height:normal;">The information required on the remainder of this cover
page shall not be deemed to be &#8220;filed&#8221; for the purpose of Section 18 of the
Securities Exchange Act of 1934 (&#8220;Act&#8221;) or otherwise subject to the liabilities
of that section of the Act but shall be subject to all other provisions of the
Act (however, see the Notes).</font></p>








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  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

  </td>
 <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

  13D</font></p>

  </td>
 <td valign=top width=34% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">2</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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<p style="margin:0in;margin-bottom:.0001pt;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></font></p>





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<div align=center><table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;width:467.300018pt;">
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  <td width=4% style="border:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">1.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Names of Reporting Persons. I.R.S. Identification Nos. of
  above persons (entities only).</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Stilwell Value Partners II, L.P.</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">2.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check the Appropriate Box if a Member of a Group (See
  Instructions)</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">(a)  [X]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">(b) </font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">3.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">SEC Use Only ...........................................................................................................................</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">4.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Source of Funds (See Instructions)  WC, OO</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">5.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check if Disclosure of Legal Proceedings Is Required
  Pursuant to Items 2(d) or 2(e) [ ]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">6.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Citizenship or Place of Organization:</font></p>
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Delaware</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td colspan=2 rowspan=5 width=17% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Number of<br>
  Shares<br>
  Beneficially<br>
  Owned by<br>
  Each<br>
  Reporting<br>
  Person With</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">7. Sole Voting Power:  0</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">8. Shared Voting Power:  823,565</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:both;">9.  Sole
  Dispositive Power:  0 </font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">10. Shared Dispositive Power:  823,565</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">11.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Aggregate Amount Beneficially Owned by Each Reporting
  Person:  823,565</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">12.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check if the Aggregate Amount in Row (11) Excludes Certain
  Shares (See Instructions) [ ]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">13.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Percent of Class Represented by Amount in Row (11): 7.2%</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td valign=top width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">14.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Type of Reporting Person (See Instructions) </font></p>
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">PN</font></p>
  </td>
 </tr>
</table>

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 <tr style="mso-yfti-firstrow:yes;mso-yfti-irow:0;mso-yfti-lastrow:yes;">
  <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

  </td>
 <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

  13D</font></p>

  </td>
 <td valign=top width=34% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">3</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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<p style="margin:0in;margin-bottom:.0001pt;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></font></p>





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<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<div align=center>

<table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;width:467.300018pt;">
 <tr>
  <td width=4% style="border:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">

  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">1.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Names of Reporting Persons. I.R.S. Identification Nos. of
  above persons (entities only).</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Stilwell Value Partners VI, L.P.</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">2.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check the Appropriate Box if a Member of a Group (See
  Instructions)</font></p>
  </td>
 </tr>
<tr style="height:23.85pt;">
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">(a)  [X]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">(b) </font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">3.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">SEC Use Only
  ...........................................................................................................................</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">4.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Source of Funds (See Instructions)  WC, OO</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">5.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check if Disclosure of Legal Proceedings Is Required
  Pursuant to Items 2(d) or 2(e) [ ]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">6.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Citizenship or Place of Organization:</font></p>
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Delaware</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td colspan=2 rowspan=5 width=17% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Number of<br>
  Shares<br>
  Beneficially<br>
  Owned by<br>
  Each<br>
  Reporting<br>
  Person With</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">7. Sole Voting Power:  0</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">8. Shared Voting Power:  823,565</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:both;">9.  Sole
  Dispositive Power:  0 </font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">10. Shared Dispositive Power:  823,565</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">11.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Aggregate Amount Beneficially Owned by Each Reporting
  Person:  823,565</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">12.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check if the Aggregate Amount in Row (11) Excludes Certain
  Shares (See Instructions) [ ]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">13.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Percent of Class Represented by Amount in Row (11): 7.2%</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td valign=top width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">14.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Type of Reporting Person (See Instructions) </font></p>
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">PN</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>





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<table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;mso-border-alt:solid windowtext .5pt;mso-padding-alt:0in 5.4pt 0in 5.4pt;mso-yfti-tbllook:480;width:100.0%;">
 <tr style="mso-yfti-firstrow:yes;mso-yfti-irow:0;mso-yfti-lastrow:yes;">
  <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

  </td>
 <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

  13D</font></p>

  </td>
 <td valign=top width=34% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">4</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

  </td>
 </tr>
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<p style="margin:0in;margin-bottom:.0001pt;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></font></p>





</DIV>
<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<div align=center>

<table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;width:467.300018pt;">
 <tr>
  <td width=4% style="border:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">

  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">1.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Names of Reporting Persons. I.R.S. Identification Nos. of
  above persons (entities only).</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Stilwell Value Partners VII, L.P.</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">2.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check the Appropriate Box if a Member of a Group (See
  Instructions)</font></p>
  </td>
 </tr>
<tr style="height:23.85pt;">
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">(a)  [X]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">(b) </font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">3.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">SEC Use Only
  ...........................................................................................................................</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">4.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Source of Funds (See Instructions)  WC, OO</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">5.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check if Disclosure of Legal Proceedings Is Required
  Pursuant to Items 2(d) or 2(e) [ ]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">6.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Citizenship or Place of Organization:</font></p>
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Delaware</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td colspan=2 rowspan=5 width=17% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Number of<br>
  Shares<br>
  Beneficially<br>
  Owned by<br>
  Each<br>
  Reporting<br>
  Person With</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">7. Sole Voting Power:  0</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">8. Shared Voting Power:  823,565</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:both;">9.  Sole
  Dispositive Power:  0 </font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">10. Shared Dispositive Power:  823,565</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">11.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Aggregate Amount Beneficially Owned by Each Reporting
  Person:  823,565</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">12.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check if the Aggregate Amount in Row (11) Excludes Certain
  Shares (See Instructions) [ ]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">13.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Percent of Class Represented by Amount in Row (11): 7.2%</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td valign=top width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">14.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Type of Reporting Person (See Instructions) </font></p>
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">PN</font></p>
  </td>
 </tr>
</table>

</div>





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<table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;mso-border-alt:solid windowtext .5pt;mso-padding-alt:0in 5.4pt 0in 5.4pt;mso-yfti-tbllook:480;width:100.0%;">
 <tr style="mso-yfti-firstrow:yes;mso-yfti-irow:0;mso-yfti-lastrow:yes;">
  <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

  </td>
 <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

  13D</font></p>

  </td>
 <td valign=top width=34% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">5</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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



</div>



<p style="margin:0in;margin-bottom:.0001pt;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></font></p>





</DIV>
<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<div align=center>

<table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;width:467.300018pt;">
 <tr>
  <td width=4% style="border:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">1.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Names of Reporting Persons. I.R.S. Identification Nos. of
  above persons (entities only).</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Stilwell Associates, L.P.</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">2.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check the Appropriate Box if a Member of a Group (See
  Instructions)</font></p>
  </td>
 </tr>
<tr style="height:23.85pt;">
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">(a)  [X]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">(b) </font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">3.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">SEC Use Only</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">4.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Source of Funds (See Instructions) WC, OO </font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">5.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check if Disclosure of Legal Proceedings Is Required
  Pursuant to Items 2(d) or 2(e) [ ]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">6.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Citizenship or Place of Organization:</font></p>
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Delaware</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td colspan=2 rowspan=5 width=17% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Number of<br>
  Shares<br>
  Beneficially<br>
  Owned by<br>
  Each<br>
  Reporting<br>
  Person With</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">7. Sole Voting Power:  0</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">8. Shared Voting Power: 823,565</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:both;">9. Sole
  Dispositive Power:   0</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">10. Shared Dispositive Power: 823,565</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">11.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Aggregate Amount Beneficially Owned by Each Reporting
  Person:  823,565</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">12.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check if the Aggregate Amount in Row (11) Excludes Certain
  Shares (See Instructions) [ ]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">13.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Percent of Class Represented by Amount in Row (11): 7.2%</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td valign=top width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">14.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Type of Reporting Person (See Instructions) </font></p>
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">PN</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>





<a name="_bclFooter5"></a><DIV>





<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">&nbsp;</font></p>





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<table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;mso-border-alt:solid windowtext .5pt;mso-padding-alt:0in 5.4pt 0in 5.4pt;mso-yfti-tbllook:480;width:100.0%;">
 <tr style="mso-yfti-firstrow:yes;mso-yfti-irow:0;mso-yfti-lastrow:yes;">
  <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

  </td>
 <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

  13D</font></p>

  </td>
 <td valign=top width=34% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">6</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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



</div>



<p style="margin:0in;margin-bottom:.0001pt;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></font></p>





</DIV>
<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<div align=center>

<table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;width:467.300018pt;">
 <tr>
  <td width=4% style="border:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">1.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Names of Reporting Persons. I.R.S. Identification Nos. of
  above persons (entities only).</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Stilwell Associates Insurance Fund of the S.A.L.I.
  Multi-Series Fund L.P.</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">2.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check the Appropriate Box if a Member of a Group (See
  Instructions)</font></p>
  </td>
 </tr>
<tr style="height:23.85pt;">
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">(a) [X]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">(b) </font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">3.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">SEC Use Only
  ...........................................................................................................................</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">4.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Source of Funds (See Instructions)  WC, OO </font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">5.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check if Disclosure of Legal Proceedings Is Required
  Pursuant to Items 2(d) or 2(e) [ ]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">6.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Citizenship or Place of Organization:</font></p>
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Delaware</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td colspan=2 rowspan=5 width=17% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Number of<br>
  Shares<br>
  Beneficially<br>
  Owned by<br>
  Each<br>
  Reporting<br>
  Person With</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">7. Sole Voting Power:  0</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">8. Shared Voting Power:  823,565</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:both;">9. Sole
  Dispositive Power:  0 </font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">10. Shared Dispositive Power:  823,565</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">11.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Aggregate Amount Beneficially Owned by Each Reporting
  Person:  823,565</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">12.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check if the Aggregate Amount in Row (11) Excludes Certain
  Shares (See Instructions) [ ]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">13.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Percent of Class Represented by Amount in Row (11):  7.2%</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td valign=top width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">14.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Type of Reporting Person (See Instructions) </font></p>
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">PN</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin:0in;margin-bottom:.0001pt;text-align:justify;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>





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<table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;mso-border-alt:solid windowtext .5pt;mso-padding-alt:0in 5.4pt 0in 5.4pt;mso-yfti-tbllook:480;width:100.0%;">
 <tr style="mso-yfti-firstrow:yes;mso-yfti-irow:0;mso-yfti-lastrow:yes;">
  <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

  </td>
 <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

  13D</font></p>

  </td>
 <td valign=top width=34% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">7</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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 </tr>
</table>



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<p style="margin:0in;margin-bottom:.0001pt;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></font></p>





</DIV>
<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<div align=center>

<table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;width:467.300018pt;">
 <tr>
  <td width=4% style="border:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">1.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Names of Reporting Persons. I.R.S. Identification Nos. of
  above persons (entities only).</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Stilwell Value LLC</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">2.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check the Appropriate Box if a Member of a Group (See
  Instructions)</font></p>
  </td>
 </tr>
<tr style="height:23.85pt;">
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">(a)  [X]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">(b) </font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">3.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">SEC Use Only
  ...........................................................................................................................</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">4.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Source of Funds (See Instructions)  n/a</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">5.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check if Disclosure of Legal Proceedings Is Required
  Pursuant to Items 2(d) or 2(e) [ ]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">6.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Citizenship or Place of Organization:</font></p>
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Delaware </font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td colspan=2 rowspan=5 width=17% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Number of<br>
  Shares<br>
  Beneficially<br>
  Owned by<br>
  Each<br>
  Reporting<br>
  Person With</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">7. Sole Voting Power:  0</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">8. Shared Voting Power:  823,565</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:both;">9.  Sole
  Dispositive Power:  0 </font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">10. Shared Dispositive Power:  823,565</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">11.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Aggregate Amount Beneficially Owned by Each Reporting
  Person: 823,565</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">12.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check if the Aggregate Amount in Row (11) Excludes Certain
  Shares (See Instructions) [ ]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">13.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Percent of Class Represented by Amount in Row (11): 7.2%</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td valign=top width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">14.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:both;">Type of Reporting
  Person (See Instructions) </font></p>
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">OO </font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>





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<table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;mso-border-alt:solid windowtext .5pt;mso-padding-alt:0in 5.4pt 0in 5.4pt;mso-yfti-tbllook:480;width:100.0%;">
 <tr style="mso-yfti-firstrow:yes;mso-yfti-irow:0;mso-yfti-lastrow:yes;">
  <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

  </td>
 <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

  13D</font></p>

  </td>
 <td valign=top width=34% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">8</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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 </tr>
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<p style="margin:0in;margin-bottom:.0001pt;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></font></p>





</DIV>
<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<div align=center>

<table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;width:467.300018pt;">
 <tr>
  <td width=4% style="border:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">1.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Names of Reporting Persons. I.R.S. Identification Nos. of
  above persons (entities only).</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Stilwell Advisors LLC</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">2.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check the Appropriate Box if a Member of a Group (See
  Instructions)</font></p>
  </td>
 </tr>
<tr style="height:23.85pt;">
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">(a) [X]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">(b) </font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">3.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">SEC Use Only
  ...........................................................................................................................</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">4.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Source of Funds (See Instructions)  n/a</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">5.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check if Disclosure of Legal Proceedings Is Required
  Pursuant to Items 2(d) or 2(e) [ ]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">6.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Citizenship or Place of Organization:</font></p>
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Delaware </font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td colspan=2 rowspan=5 width=17% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Number of<br>
  Shares<br>
  Beneficially<br>
  Owned by<br>
  Each<br>
  Reporting<br>
  Person With</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">7. Sole Voting Power:  0</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">8. Shared Voting Power:  823,565</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:both;">9.  Sole
  Dispositive Power:  0</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">10. Shared Dispositive Power:  823,565</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">11.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Aggregate Amount Beneficially Owned by Each Reporting
  Person:  823,565</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">12.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check if the Aggregate Amount in Row (11) Excludes Certain
  Shares (See Instructions) [ ]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">13.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Percent of Class Represented by Amount in Row (11):  7.2%</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td valign=top width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font face="Times New Roman" style="font-size:12.0pt;">14.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:both;">Type of Reporting
  Person (See Instructions) </font></p>
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">OO </font></p>
  </td>
 </tr>
</table>

</div>





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<table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;mso-border-alt:solid windowtext .5pt;mso-padding-alt:0in 5.4pt 0in 5.4pt;mso-yfti-tbllook:480;width:100.0%;">
 <tr style="mso-yfti-firstrow:yes;mso-yfti-irow:0;mso-yfti-lastrow:yes;">
  <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

  </td>
 <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

  13D</font></p>

  </td>
 <td valign=top width=34% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">9</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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<p style="margin:0in;margin-bottom:.0001pt;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></font></p>





</DIV>
<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<div align=center>

<table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;width:467.300018pt;">
 <tr>
  <td width=4% style="border:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">1.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Names of Reporting Persons. I.R.S. Identification Nos. of above
  persons (entities only).</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Joseph Stilwell</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">2.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check the Appropriate Box if a Member of a Group (See
  Instructions)</font></p>
  </td>
 </tr>
<tr style="height:23.85pt;">
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;height:23.85pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">(a)  [X]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">(b) </font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">3.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">SEC Use Only
  ...........................................................................................................................</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">4.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Source of Funds (See Instructions)  n/a</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">5.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check if Disclosure of Legal Proceedings Is Required
  Pursuant to Items 2(d) or 2(e) [ ] </font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">6.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Citizenship or Place of Organization:</font></p>
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">United States  </font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td colspan=2 rowspan=5 width=17% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Number of<br>
  Shares<br>
  Beneficially<br>
  Owned by<br>
  Each<br>
  Reporting<br>
  Person With</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">7. Sole Voting Power:  0</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">8. Shared Voting Power:  823,565</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:both;">9.  Sole
  Dispositive Power:  0 </font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">10. Shared Dispositive Power:  823,565</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">11.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Aggregate Amount Beneficially Owned by Each Reporting
  Person:  823,565</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">12.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Check if the Aggregate Amount in Row (11) Excludes Certain
  Shares (See Instructions) [ ]</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">13.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Percent of Class Represented by Amount in Row (11):  7.2%</font></p>
  </td>
 </tr>
<tr>
  <td width=4% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;"><br>
  <br>
  </font></p>
  </td>
 <td valign=top width=13% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">14.</font></p>
  </td>
 <td width=83% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;padding:0in 3.0pt 0in 3.0pt;">
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:both;">Type of Reporting
  Person (See Instructions) </font></p>
  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">IN </font></p>
  </td>
 </tr>
</table>

</div>

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  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

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  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

  13D</font></p>

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  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">10</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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</DIV>
<h2 style="margin-bottom:12.0pt;margin-left:0in;margin-right:.5in;margin-top:12.0pt;page-break-after:avoid;"><b><font face="Times New Roman" style="font-size:12.0pt;line-height:12.0pt;">Item 1.&nbsp;&nbsp;Security and Issuer</font></b></h2>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">This Schedule 13D is being filed jointly by Stilwell
Value Partners II, L.P., a Delaware limited partnership (&#8220;Stilwell Value
Partners II&#8221;); Stilwell Value Partners VI, L.P., a Delaware limited partnership
(&#8220;Stilwell Value Partners VI&#8221;); Stilwell Value Partners VII, L.P., a Delaware
limited partnership (&#8220;Stilwell Value Partners VII&#8221;); Stilwell Associates, L.P.,
a Delaware limited partnership (&#8220;Stilwell Associates&#8221;); Stilwell Associates
Insurance Fund of the S.A.L.I. Multi-Series Fund L.P., a Delaware limited
partnership (&#8220;Stilwell SALI Fund&#8221;); Stilwell Value LLC, a Delaware limited
liability company (&#8220;Stilwell Value LLC&#8221;), and the general partner of Stilwell
Value Partners II, Stilwell Value Partners VI, Stilwell Value Partners VII and
Stilwell Associates; Stilwell Advisors LLC, a Delaware limited liability
company (&#8220;Stilwell Advisors&#8221;) and the general partner of Stilwell SALI Fund;
and Joseph Stilwell, the managing member of and owner of more than 99% of the
equity in Stilwell Value LLC, and the managing and sole member of Stilwell
Advisors. All the filers of this statement are collectively referred to herein
as the &#8220;Group.&#8221;</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">This statement relates to the common stock, par
value $0.01 per share (&#8220;Common Stock&#8221;), of Provident Financial Holdings, Inc. (the
&#8220;Issuer&#8221;).&#160; The address of the principal executive offices of the Issuer is 3756
Central Avenue, Riverside, California 92506.&#160; The joint filing agreement of the
members of the Group is attached as Exhibit&nbsp;1.</font></p>

<h2 style="margin-bottom:12.0pt;margin-left:0in;margin-right:.5in;margin-top:12.0pt;page-break-after:avoid;"><b><font face="Times New Roman" style="font-size:12.0pt;line-height:12.0pt;">Item 2.&nbsp;&nbsp;Identity and Background</font></b></h2>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">(a)-(c)&#160; This statement is filed by Joseph
Stilwell with respect to the shares of Common Stock beneficially owned by
Joseph Stilwell, including shares of Common Stock held in the names of Stilwell
Value Partners II, Stilwell Value Partners VI, Stilwell Value Partners VII, Stilwell
Associates and Stilwell SALI Fund, in Joseph Stilwell&#8217;s capacities as the
managing member and 99% owner of Stilwell Value LLC, which is the general
partner of Stilwell Value Partners II, Stilwell Value Partners VI, Stilwell
Value Partners VII and Stilwell Associates, and the managing and sole member of
Stilwell Advisors, which is the general partner of Stilwell SALI Fund.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">The business address of Stilwell Value Partners
II, Stilwell Value Partners VI, Stilwell Value Partners VII, Stilwell
Associates, Stilwell Value LLC, and Joseph Stilwell is 111 Broadway, 12th
Floor, New York, New York 10006.&#160; The business address of Stilwell SALI Fund
and Stilwell Advisors is 315 Clocktower Commons, Brewster, New York 10508.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">The principal employment of Joseph Stilwell is
investment management. Stilwell Value Partners II, Stilwell Value Partners VI, Stilwell
Value Partners VII, Stilwell Associates and Stilwell SALI Fund are private
investment partnerships engaged in the purchase and sale of securities for
their own accounts.&#160; Stilwell Value LLC is in the business of serving as the
general partner of Stilwell Value Partners II, Stilwell Value Partners VI, Stilwell
Value Partners VII, Stilwell Associates and related partnerships. Stilwell
Advisors is in the business of serving as the general partner of Stilwell SALI
Fund. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">(d)&nbsp;&nbsp;During the past five years, no
member of the Group has been convicted in a criminal proceeding (excluding
traffic violations or similar misdemeanors).</font></p>


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  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

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  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

  13D</font></p>

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  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">11</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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</DIV>
<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">(e)&nbsp;&nbsp;During
the past five years, no member of the Group has been a party to a civil proceeding
of a judicial or administrative body of competent jurisdiction and, as a result
of such proceeding, was or is subject to a judgment, decree or final order
enjoining future violations of, or prohibiting or mandating activities subject
to, Federal or State securities laws or finding any violation with respect to
such laws.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">(f)&nbsp;&nbsp;Joseph Stilwell is a citizen of the United
States.</font></p>

<h2 style="margin-bottom:12.0pt;margin-left:0in;margin-right:.5in;margin-top:12.0pt;page-break-after:avoid;"><b><font face="Times New Roman" style="font-size:12.0pt;line-height:12.0pt;">Item 3.&nbsp;&nbsp;Source and Amount of Funds or Other Consideration</font></b></h2>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">The total amount expended by Stilwell Value
Partners II to acquire the 180,067 shares of Common Stock it holds in its name
is $1,511,688.&#160; Such funds were provided from Stilwell Value Partners II&#8217;s
working capital and may, from time to time, be provided in part by margin
account loans from subsidiaries of Fidelity Brokerage Services LLC extended in
the ordinary course of business.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">The total amount expended by Stilwell Value
Partners VI to acquire the 102,180 shares of Common Stock it holds in its name
is $864,227.&#160; Such funds were provided from Stilwell Value Partners VI&#8217;s
working capital and may, from time to time, be provided in part by margin
account loans from subsidiaries of Fidelity Brokerage Services LLC extended in
the ordinary course of business.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">The total amount expended by Stilwell Value
Partners VII to acquire the 100,000 shares of Common Stock it holds in its name
is $842,056.&#160; Such funds were provided from Stilwell Value Partners VII&#8217;s
working capital and may, from time to time, be provided in part by margin
account loans from subsidiaries of Fidelity Brokerage Services LLC extended in
the ordinary course of business.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">The total amount expended by Stilwell
Associates to acquire the 422,318 shares of Common Stock it holds in its name
is $1,068,699.&#160; Such funds were provided from Stilwell Associates&#8217; working
capital and, from time to time, in part by margin account loans from
subsidiaries of Morgan Stanley extended in the ordinary course of business.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">The total amount expended by Stilwell SALI Fund
to acquire the 19,000 shares of Common Stock it holds in its name is $64,238.&#160;
Such funds were provided from Stilwell SALI Fund&#8217;s working capital and may,
from time to time, be provided in part by margin account loans from
subsidiaries of Morgan Stanley extended in the ordinary course of business.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">All purchases of shares of Common Stock made by
the Group using funds borrowed from Fidelity Brokerage Services LLC or Morgan
Stanley, if any, were made in margin transactions on their usual terms and
conditions.&#160; All or part of the shares of Common Stock owned by members of the
Group may from time to time be pledged with one or more banking institutions or
brokerage firms as collateral for loans made by such entities to members of the
Group.&#160; Such loans generally bear interest at a rate based on the broker&#8217;s call
rate from time to time in effect.&#160; Such indebtedness, if any, may be refinanced
with other banks or broker-dealers.</font></p>

<h2 style="margin-bottom:12.0pt;margin-left:0in;margin-right:.5in;margin-top:12.0pt;page-break-after:avoid;"><b><font face="Times New Roman" style="font-size:12.0pt;line-height:12.0pt;">Item 4.&nbsp;&nbsp;Purpose of Transaction</font></b></h2>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">Our purpose in acquiring shares of Common Stock
of the Issuer is to profit from the appreciation in the market price of the
shares of Common Stock through asserting shareholder </font><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">rights.&#160;
We do not believe the value of the Issuer&#8217;s assets is adequately reflected in
the current market price of the Issuer&#8217;s Common Stock.&#160; </font></p>
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  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

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  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

  13D</font></p>

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  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">12</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">We hope to work with existing management and
the board of directors to maximize shareholder value.&#160; We support the Issuer&#8217;s
aggressive resolution of non-performing assets.&#160; We support the Issuer&#8217;s
repurchases of its Common Stock and payment of dividends.&#160; We expect to support
management so long as the bank remains profitable and continues to repurchase
shares while they trade below book value.&#160; If the Issuer pursues any action
that dilutes tangible book value per share, we will aggressively seek board
representation.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">Since 2000, affiliates of the Group have filed
Schedule 13Ds to report greater than five percent positions in 34 other
publicly traded companies.&#160; For simplicity, these affiliates are referred to as
the &#8220;Group&#8221;, &#8220;we&#8221;, &#8220;us&#8221;, or &#8220;our.&#8221;&#160; In each instance, our purpose has been to
profit from the appreciation in the market price of the shares we held by
asserting shareholder rights.&#160; In each situation, we believed that the values
of the companies&#8217; assets were not adequately reflected in the market prices of
their shares.&#160; The filings are described below.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On May 1, 2000, we filed a Schedule 13D to
report a position in Security of Pennsylvania Financial Corp. (&#8220;SPN&#8221;).&#160; We
scheduled a meeting with senior management to discuss ways to maximize the
value of SPN&#8217;s assets.&#160; On June 2, 2000, prior to the scheduled meeting, SPN
and Northeast Pennsylvania Financial Corp. announced SPN&#8217;s acquisition.&#160; We
then sold our shares on the open market.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On July 7, 2000, we filed a Schedule 13D to
report a position in Cameron Financial Corporation (&#8220;Cameron&#8221;).&#160; We exercised
our shareholder rights by, among other things, requesting that Cameron
management hire an investment banker, demanding Cameron&#8217;s list of shareholders,
meeting with Cameron&#8217;s management, demanding that Cameron invite our representatives
to join the board, writing to other Cameron shareholders to express our dismay
with management&#8217;s inability to maximize shareholder value and publishing that
letter in the local press.&#160; On October 6, 2000, Cameron announced its sale to
Dickinson Financial Corp., and we sold our shares on the open market.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On January 4, 2001, following the announcement
by Community Financial Corp. (&#8220;CFIC&#8221;) of the sale of two of its four subsidiary
banks and its intention to sell one or more of its remaining subsidiaries, we
filed a Schedule 13D to report our position.&#160; We reported that we acquired CFIC
stock for investment purposes.&#160; On January 25, 2001, CFIC announced the sale of
one of its remaining subsidiaries.&#160; We then announced our intention to run an
alternate slate of directors at the 2001 annual meeting if CFIC did not sell
the remaining subsidiary by then.&#160; On March&nbsp;27, 2001, we wrote to CFIC
confirming that CFIC had agreed to meet with one of our proposed nominees to
the board.&#160; On March&nbsp;30, 2001, before our meeting took place, CFIC
announced its merger with First Financial Corporation, and we sold our shares
on the open market.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On February 23, 2001, we filed a Schedule 13D
to report a position in Montgomery Financial Corporation (&#8220;Montgomery&#8221;).&#160; On
April&nbsp;20, 2001, we met with Montgomery&#8217;s management, and suggested that
they maximize shareholder value by selling the institution.&#160; We also informed
management that we would run an alternate slate of directors at the 2001 annual
meeting unless Montgomery were sold.&#160; Eleven days after we filed our Schedule&nbsp;13D,
however, Montgomery&#8217;s board amended its bylaws to make it more difficult for us
to run an alternate slate by limiting the pool of potential nominees to local
persons with a banking relation and </font><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">shortening the
deadline to nominate an alternate slate.&#160; We located qualified nominees under
the restrictive bylaw provisions and noticed our slate within the deadline.&#160; On
June&nbsp;5, 2001, Montgomery announced that it had hired a banker to explore a
sale.&#160; On July&nbsp;24, 2001, Montgomery announced its merger with Union
Community Bancorp.</font></p>
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  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

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  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

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  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">13</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On June&nbsp;14, 2001, we filed a Schedule&nbsp;13D
reporting a position in HCB Bancshares, Inc. (&#8220;HCBB&#8221;).&#160; On September&nbsp;4,
2001, we reported that we had entered into a standstill agreement with HCBB,
under which HCBB agreed to: (a)&nbsp;add a director selected by us, (b)&nbsp;consider
conducting a Dutch tender auction, (c)&nbsp;institute annual financial targets,
and (d)&nbsp;retain an investment banker to explore alternatives if it did not
achieve the financial targets.&#160; On October&nbsp;22, 2001, our nominee, John G.
Rich, Esq., was named to the board.&#160; On January&nbsp;31, 2002, HCBB announced a
modified Dutch tender auction to repurchase 20% of its shares.&#160; Although HCBB&#8217;s
outstanding share count decreased by 33% between the filing of our original
Schedule 13D and August 2003, HCBB did not achieve the financial target.&#160; On
August&nbsp;12, 2003, HCBB announced it had hired a banker to assist in
exploring alternatives for maximizing shareholder value, including a sale.&#160; On
January&nbsp;14, 2004, HCBB announced its sale to Rock Bancshares Inc. and we
sold our shares on the open market.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On December&nbsp;15, 2000, we filed a Schedule
13D reporting a position in Oregon Trail Financial Corp. (&#8220;OTFC&#8221;).&#160; In January
2001, we met with the management of OTFC to discuss our concerns that
management was not maximizing shareholder value, and we proposed that OTFC
voluntarily place our nominees on the board.&#160; OTFC rejected our proposal, and
we announced our intention to solicit proxies to elect a board nominee.&#160; We
demanded OTFC&#8217;s shareholder list, but it refused.&#160; We sued OTFC in Baker
County, Oregon, and the court ruled in our favor and sanctioned it.&#160; We also
sued two OTFC directors alleging that one had violated OTFC&#8217;s residency
requirement and that the other had committed perjury.&#160; Both suits were
dismissed pre-trial but we filed an appeal in one suit and were permitted to
re-file the other suit in state court.&#160; On August&nbsp;16, 2001, we started
soliciting proxies to elect Kevin D. Padrick, Esq. to the board.&#160; We argued in
our proxy materials that OTFC should have repurchased its shares at prices
below book value.&#160; OTFC announced the hiring of an investment banker.&#160; Then,
the day after the 9/11 attacks, OTFC sued us in Portland, Oregon and moved to
invalidate our proxies; the court denied the motion and the election proceeded.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On October&nbsp;12, 2001, OTFC&#8217;s shareholders
elected our candidate by a 2-1 margin.&#160; In the five months after the filing of
our first proxy statement (i.e., from August&nbsp;1, 2001 through December&nbsp;31,
2001), OTFC repurchased approximately 15% of its shares.&#160; On March&nbsp;12,
2002, we entered into a standstill agreement with OTFC.&#160; OTFC agreed to: (a)&nbsp;achieve
annual targets for return on equity, (b)&nbsp;reduce their current capital
ratio, (c)&nbsp;obtain advice from an investment banker regarding annual 10%
stock repurchases, (d)&nbsp;re-elect our director to the board, (e) reimburse a
portion of our expenses, and (f)&nbsp;withdraw their lawsuit.&#160; On February&nbsp;24,
2003, OTFC and FirstBank NW Corp. announced their merger, and we sold
substantially all of our shares on the open market.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On November&nbsp;25, 2002, we filed a Schedule&nbsp;13D
reporting a position in American Physicians Capital, Inc. (&#8220;ACAP&#8221;).&#160; The
Schedule&nbsp;13D disclosed that on January&nbsp;18, 2002, Michigan&#8217;s insurance
department had approved our request to solicit proxies to elect two directors
to ACAP&#8217;s board.&#160; On January&nbsp;29, 2002, we noticed our intention to
nominate two directors at the 2002 annual meeting.&#160; On February&nbsp;20, 2002,
we entered into a three-year standstill agreement with ACAP, providing for ACAP
to add our nominee, Spencer L. Schneider, Esq., to its board.&#160; ACAP also agreed
to consider using a portion of its excess capital </font><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">to
repurchase ACAP&#8217;s shares in each of the fiscal years 2002 and 2003 so that its
outstanding share count would decrease by 15% for each of those years.&#160; In its
2002 fiscal year, ACAP repurchased 15% of its outstanding shares; these
repurchases were highly accretive to per-share book value.&#160; On November&nbsp;6,
2003, ACAP announced a reserve charge and that it would explore options to
maximize shareholder value.&#160; It also announced that it would exit the
healthcare and workers&#8217; compensation insurance businesses.&#160; ACAP then announced
that it had retained Sandler O&#8217;Neill &amp; Partners, L.P., to assist the
board.&#160; On December 2, 2003, ACAP announced the early retirement of its
President and CEO.&#160; On December 23, 2003, ACAP named R. Kevin Clinton its new
President and CEO.&#160; On June&nbsp;24, 2004, ACAP announced that it had decided
that the best means to maximize shareholder value would be to shed non-core
businesses and focus on its core business line in its core markets.&#160; We
increased our holdings in ACAP, and we announced that we intended to seek
additional board representation.&#160; On November&nbsp;10, 2004, ACAP invited Mr.&nbsp;Stilwell
to sit on the board, and we entered into a new standstill agreement.&#160; This
agreement was terminated in November 2007, with our nominees remaining on ACAP&#8217;s
board.&#160; On May&nbsp;8, 2008, our nominees were re-elected to three-year terms
expiring in 2011.&#160; On passage of federal healthcare legislation in 2010, ACAP
became concerned about the fundamentals of its business and promptly acted to
assess its strategic alternatives.&#160; On October&nbsp;22, 2010, ACAP was acquired
by The Doctors Company. </font></p>
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  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

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  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">14</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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<p style="margin:0in;margin-bottom:.0001pt;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></font></p>





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<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On June&nbsp;30, 2003, we filed a Schedule 13D
reporting a position in FPIC Insurance Group, Inc. (&#8220;FPIC&#8221;).&#160; On August&nbsp;12,
2003, Florida&#8217;s insurance department approved our request to hold more than 5%
of FPIC&#8217;s shares, to solicit proxies to hold board seats, and to exercise
shareholder rights.&#160; On November&nbsp;10, 2003, FPIC invited our nominee, John
G. Rich, Esq., to join the board and we signed a confidentiality agreement.&#160; On
June&nbsp;7, 2004, we disclosed that because FPIC&#8217;s management had taken steps
to increase shareholder value and because its market price increased and
reflected fair value in our estimation, we sold our shares on the open market,
decreasing our holdings below five percent.&#160; Our nominee was invited to remain
on the board after we sold our stake.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On March 29, 2004, we filed a Schedule 13D
reporting a position in Community Bancshares, Inc. (&#8220;COMB&#8221;).&#160; We disclosed our
intention to meet with COMB&#8217;s management and evaluate management&#8217;s progress in
resolving its regulatory issues, lawsuits, problem loans, and non-performing
assets, and that we would likely support management if it effectively addressed
COMB&#8217;s challenges.&#160; On November&nbsp;21, 2005, we amended our Schedule&nbsp;13D
and stated that although we believed that COMB&#8217;s management had made good
progress, COMB&#8217;s return on equity would likely remain below average for the
foreseeable future, and it should therefore be sold.&#160; On November&nbsp;21,
2005, we also stated that if COMB did not announce a sale before our deadline
to solicit proxies for the next annual meeting, we would solicit proxies to
elect our own slate.&#160; On January&nbsp;6, 2006, we disclosed the names of our
three board nominees.&#160; On May&nbsp;1, 2006, COMB announced its sale to The Banc
Corporation, and we sold our shares on the open market.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On June&nbsp;20, 2005, we filed a Schedule 13D
reporting a position in Prudential Bancorp, Inc. of Pennsylvania (&#8220;PBIP&#8221;).&#160;
Most of PBIP&#8217;s shares are held by the Prudential Mutual Holding Company (the &#8220;MHC&#8221;),
which is controlled by PBIP&#8217;s board.&#160; The MHC controls most corporate decisions
coming up for a shareholder vote, such as the election of directors.&#160; But
regulations promulgated by the FDIC previously barred the MHC from voting on
PBIP&#8217;s management stock benefit plans, and PBIP&#8217;s IPO prospectus indicated that
the MHC would not vote on the plans.&#160; We announced in August 2005 that we would
solicit proxies to oppose </font><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">adoption of the plans as a
referendum to place Mr.&nbsp;Stilwell on the board.&#160; PBIP decided not to put
the plans up for a vote at the 2006 annual meeting. </font></p>
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  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">15</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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<p style="margin:0in;margin-bottom:.0001pt;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></font></p>





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<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">In December 2005, we solicited proxies to
withhold votes on the election of directors as a referendum to place Mr.&nbsp;Stilwell
on the board.&#160; At the 2006 annual meeting, 71% of PBIP&#8217;s voting public shares
were withheld from voting on management&#8217;s nominees.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On April 6, 2006, PBIP announced that just
after we had filed our Schedule&nbsp;13D, it had secretly solicited a letter
from an FDIC staffer (which it concealed from the public) that the MHC would be
allowed to vote in favor of the plans.&#160; PBIP also announced a special meeting
to vote on the plans.&#160; We alerted the Board of Governors of the Federal Reserve
System (the &#8220;Fed&#8221;) about this announcement, and PBIP was directed to seek Fed
approval before adopting the plans.&#160; On April&nbsp;19, 2006, PBIP postponed the
special meeting.&#160; The Fed subsequently followed the FDIC&#8217;s position in
September 2006.&#160; In December 2006, we solicited proxies to withhold votes on
the election of PBIP&#8217;s directors at the 2007 annual meeting.&#160; At the meeting,
75% of PBIP&#8217;s voting public shares were withheld.&#160; Also during the annual
meeting, PBIP&#8217;s President and Chief Executive Officer, in response to a
question posed by Mr. Stilwell, was unable to state the meaning of per share
return on equity.&#160; On March&nbsp;7, 2007, we disclosed that we were publicizing
the results of PBIP&#8217;s elections and its directors&#8217; unwillingness to hold a
democratic vote on the stock plans by placing billboard advertisements
throughout Philadelphia.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">In December 2007, we filed proxy materials for
the solicitation of proxies to withhold votes on the election of PBIP&#8217;s
directors at the 2008 annual meeting of shareholders.&#160; At the February 4, 2008
annual meeting, an average of 77% of PBIP&#8217;s voting public shares withheld their
votes.&#160; Excluding shares held in PBIP&#8217;s ESOP, an average of 88% of the voting
public shares withheld their votes in this election.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On October 4, 2006, we sued PBIP, the MHC, and
the directors of PBIP and the MHC in federal court in Philadelphia seeking an
order to prevent the MHC from voting in favor of the plans.&#160; On August&nbsp;15,
2007, the court dismissed some claims, but sustained our cause of action
against the MHC as majority shareholder of PBIP for breach of fiduciary
duties.&#160; Discovery proceeded and all the directors were deposed.&#160; Both sides
moved for summary judgment, but the court ordered the case to trial which was
scheduled for June 2008.&#160; On May&nbsp;22, 2008, we voluntarily discontinued the
lawsuit after determining that it would be more effective and appropriate to
pursue the directors on a personal basis in a derivative action.&#160; On June&nbsp;11,
2008, we filed a notice to appeal certain portions of the lower court&#8217;s August&nbsp;15,
2007 order dismissing portions of the lawsuit.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">We entered into a settlement agreement and an
expense agreement with PBIP in November 2008 under which we agreed to support
PBIP&#8217;s stock benefit plans, drop our litigation and withdraw our shareholder
demand, and generally support management, and, in exchange, PBIP agreed,
subject to certain conditions, to repurchase up to 3 million of its shares
(including shares previously purchased), reimburse a portion of our expenses,
and either adopt a second step conversion or add our nominee who meets certain
qualification requirements to its board if the repurchases were not completed
by a specified time.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On March 5, 2010, we reported that our
ownership in PBIP had dropped below 5 percent as a result of open market sales
and sales of common stock to PBIP.</font></p>


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  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">16</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On January 19, 2006,
we filed a Schedule 13D reporting a position in SCPIE Holdings Inc. (&#8220;SKP&#8221;).&#160;
We announced we would run our slate of directors at the 2006 annual meeting and
demanded SKP&#8217;s shareholder list.&#160; SKP initially refused to timely produce the
list, but did so after we sued it in Delaware Chancery Court.&#160; We engaged in a
proxy contest at the 2006 annual meeting, but SKP&#8217;s directors were elected.&#160; On
December&nbsp;14, 2006, SKP agreed to place Mr.&nbsp;Stilwell on the board.&#160; On
October&nbsp;16, 2007, Mr.&nbsp;Stilwell resigned from SKP&#8217;s board after it
approved a sale of SKP that Mr.&nbsp;Stilwell believed was an inferior offer.&#160;
We solicited shareholder proxies in opposition to the proposed sale; however,
the sale was approved.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On July&nbsp;27, 2006, we filed a Schedule&nbsp;13D
reporting a position in Roma Financial Corp. (&#8220;ROMA&#8221;).&#160; Nearly 70% of ROMA&#8217;s
shares are held by a mutual holding company (like NECB, PBIP, WMPN, and MLVF)
controlled by ROMA&#8217;s board.&#160; In April 2007, we engaged in a proxy solicitation
at ROMA&#8217;s first annual meeting, urging shareholders to withhold their vote from
management&#8217;s slate.&#160; ROMA did not put their stock benefit plans up for a vote
at that meeting.&#160; We then met with ROMA management.&#160; In the four months after
ROMA became eligible to repurchase its shares, it promptly announced and
substantially completed repurchases of 15% of its publicly held shares, which
were accretive to shareholder value.&#160; In our judgment, management came to
understand the importance of proper capital allocation.&#160; Based on ROMA
management&#8217;s prompt implementation of shareholder-friendly capital allocation
plans, we supported management&#8217;s adoption of stock benefit plans at the 2008
shareholder meeting, and we sold our shares in the open market.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On November&nbsp;5, 2007, we filed a Schedule
13D reporting a position in Northeast Community Bancorp, Inc. (&#8220;NECB&#8221;).&#160; A
majority of NECB&#8217;s shares are held by a mutual holding company (like PBIP,
ROMA, WMPN, and MLVF) controlled by NECB&#8217;s board. We presented a model stock
benefit plan to management that we would support based on a vesting schedule
that more closely aligns management&#8217;s interests to shareholder returns. NECB&#8217;s
management responded to the proposal with a form letter. On July&nbsp;1, 2010,
we delivered a written demand to NECB demanding to inspect its shareholder
list.&#160; On July&nbsp;22, 2010, NECB announced its first ever share repurchase
plan. NECB, however, refused to supply us with the shareholder list.&#160;
Therefore, on July&nbsp;23, 2010, we sued NECB in federal court in New York
seeking an order compelling compliance.&#160; On August&nbsp;31, 2010, NECB produced
the list of shareholders to us and we dismissed the lawsuit. We have written to
shareholders expressing our belief that NECB&#8217;s directors have not properly
overseen management.&#160; On October 3, 2011, we sent a letter to NECB&#8217;s board of
directors demanding that NECB expand the board with disinterested directors to
consider a second step conversion.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On May&nbsp;23, 2008, we filed a Schedule 13D
reporting a position in William Penn Bancorp, Inc. (&#8220;WMPN&#8221;).&#160; A majority of
WMPN&#8217;s shares are held by a mutual holding company (like PBIP, ROMA, NECB, and
MLVF) controlled by WMPN&#8217;s board.&#160; We hope to work with management in
maximizing shareholder value.&#160; We provided a PowerPoint presentation to management
regarding our views on capital allocation.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On May&nbsp;30, 2008, we filed a Schedule 13D
reporting a position in Malvern Federal Bancorp, Inc. (&#8220;MLVF&#8221;).&#160; A majority of
MLVF&#8217;s shares are held by a mutual holding company (like NECB, PBIP, ROMA, and
WMPN) controlled by MLVF&#8217;s board.&#160; We hope to work with management in
maximizing shareholder value.&#160; On June&nbsp;26, 2008, we provided a PowerPoint
presentation to management regarding our views on capital allocation
guidelines.&#160; In recent months we have mailed four letters to MLVF&#8217;s
shareholders expressing our dissatisfaction with the company&#8217;s management.&#160; On
October&nbsp;26, 2010, we mailed a letter to MLVF demanding that </font><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">it pursue a derivative action against its directors for
breach of their fiduciary duties.&#160; MLVF failed to pursue the action and, on
June&nbsp;3, 2011, the Group sued the Issuer&#8217;s directors demanding that the
court, among other things, order the directors to properly consider pursuing a
second step conversion.</font></p>
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  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

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  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">17</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On November&nbsp;7, 2008, we filed a Schedule&nbsp;13D
reporting a position in Kingsway Financial Services Inc. (&#8220;KFS&#8221;).&#160; We requested
a meeting with its CEO and chairman to discuss ways to maximize shareholder
value and minimize both operational and balance sheet risks, but the CEO was
unresponsive.&#160; We then requisitioned a special shareholder meeting to remove
the CEO and chairman from the KFS board and replace them with our two
nominees.&#160; On January&nbsp;7, 2009, we entered into a settlement agreement with
KFS whereby, among other things, the CEO resigned from the KFS board and KFS
expanded its board from nine to ten seats and appointed our nominees to fill
the two vacant seats on the board.&#160; By April&nbsp;23, 2009, the board was
reconstituted with just three of the original ten legacy directors remaining.
Also, Joseph Stilwell was appointed to fill the vacancy created by the
resignation of one of our nominees, Larry G. Swets, Jr., and our other nominee,
Spencer L. Schneider, was elected chairman of the board.&#160; In addition, the CEO
and CFO were fired for incompetence and insubordination. By November 3, 2009,
all of the legacy directors had resigned from the board.&#160; On May&nbsp;27, 2010,
Mr.&nbsp;Stilwell and Mr.&nbsp;Schneider were re-elected to the board. On June&nbsp;1,
2010, Mr. Swets was appointed CEO.&#160; During the time the Group has had board
representation, KFS has sold non-core assets, repurchased public debt at a
discount to face value, sold a credit-sensitive asset, disposed of its subsidiary
Lincoln General, substantially reduced its expenses, and reduced other balance
sheet and operations risks. </font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On December 29, 2008, we filed a Schedule 13D
reporting a position in First Savings Financial Group, Inc. (&#8220;FSFG&#8221;).&#160; We met
with management in New York.&#160; FSFG announced a stock repurchase plan and began
repurchasing its shares.&#160; In December 2009, we reported that our beneficial
ownership in the outstanding FSFG common stock had fallen below 5&nbsp;percent.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On March 12, 2009, we filed a Schedule 13D
reporting a position in Alliance Bancorp, Inc. of Pennsylvania (&#8220;ALLB&#8221;).&#160; When
we announced our reporting position, a majority of ALLB&#8217;s shares were held by a
mutual holding company (like NECB, PBIP, ROMA, WMPN, and MLVF) controlled by
ALLB&#8217;s board. However, on August&nbsp;11, 2010, ALLB announced its intention to
undertake a second step offering, selling all shares to the public.&#160; The plan
of conversion and reorganization was approved by depositors at a special
meeting held December 29, 2010.&#160; We strongly supported ALLB&#8217;s action.&#160;
Following completion of the conversion of Alliance Bank from the mutual holding
company structure to the stock holding company structure, we increased our
stake with the belief that shareholders and ALLB will do well if management focuses
on profitability.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On September 24, 2010, we filed a Schedule&nbsp;13D
reporting a position in FedFirst Financial Corporation (&#8220;FFCO&#8221;). We hope to
work with management and the board to maximize shareholder value.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On October 8, 2010, we filed a Schedule&nbsp;13D
reporting a position in Wayne Savings Bancshares, Inc. (&#8220;WAYN&#8221;). We hope to
work with management and the board to maximize shareholder value.</font></p>


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<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On October&nbsp;18,
2010, we filed a Schedule 13D reporting a position in Standard Financial Corp.
(&#8220;STND&#8221;). We hope to work with management and the board to maximize shareholder
value.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On January&nbsp;3, 2011, we filed a Schedule&nbsp;13D
reporting a position in Home Federal Bancorp, Inc. of Louisiana (&#8220;HFBL&#8221;). We
hope to work with management and the board to maximize shareholder value.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On February&nbsp;7, 2011, we filed a Schedule&nbsp;13D
reporting a position in Wolverine Bancorp, Inc. (&#8220;WBKC&#8221;). We hope to work with
management and the board to maximize shareholder value.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On February&nbsp;28, 2011, we filed a Schedule&nbsp;13D
reporting a position in SP Bancorp, Inc. (&#8220;SPBC&#8221;).&#160; We hope to work with
management and the board to maximize shareholder value.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On March&nbsp;28, 2011, we filed a Schedule&nbsp;13D
reporting a position in Eureka Financial Corp. (&#8220;EKFC&#8221;). We hope to work with
management and the board to maximize shareholder value.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On April&nbsp;1, 2011, we filed a Schedule&nbsp;13D
reporting a position in Harvard Illinois Bancorp, Inc. (&#8220;HARI&#8221;). We hope to
work with management and the board to maximize shareholder value.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On April&nbsp;11, 2011, we filed a Schedule 13D
reporting a position in Fraternity Community Bancorp, Inc. (&#8220;FRTR&#8221;). We hope to
work with management and the board to maximize shareholder value.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On April&nbsp;18, 2011, we filed a Schedule 13D
reporting a position in Sunshine Financial, Inc. (&#8220;SSNF&#8221;). We hope to work with
management and the board to maximize shareholder value.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On July 5, 2011, we filed a Schedule 13D
reporting a position in Jacksonville Bancorp, Inc. (&#8220;JSXB&#8221;). We hope to work
with management and the board to maximize shareholder value.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On July 11, 2011, we filed a Schedule 13D
reporting a position in Naugatuck Valley Financial Corporation (&#8220;NVSL&#8221;).&#160; We
hope to work with management and the board to maximize shareholder value.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On August 24, 2011, we filed a Schedule 13D
reporting a position in Colonial Financial Services, Inc. (&#8220;COBK&#8221;).&#160; We hope to
work with management and the board to maximize shareholder value.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On September 12, 2011, we filed a Schedule 13D
reporting a position in First Financial Northwest, Inc. (&#8220;FFNW&#8221;).&#160; We hope to
work with management and the board to maximize shareholder value.</font></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">On September 23, 2011, we filed a Schedule 13D
reporting a position in Poage Bankshares, Inc. (&#8220;PBSK&#8221;).&#160; We hope to work with
management and the board to maximize shareholder value.</font></p>


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   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman">CUSIP No. 743868101</FONT></P></TD>

   <TD style="BORDER-BOTTOM: windowtext 1pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-TOP: 0in; mso-border-bottom-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width="33%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">SCHEDULE 13D</FONT></P></TD>

   <TD style="BORDER-BOTTOM: windowtext 1pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; BORDER-RIGHT: windowtext 1pt solid; PADDING-TOP: 0in; mso-border-bottom-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt" vAlign=top width="34%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="LAYOUT-GRID-MODE: line; FONT-SIZE: 12pt" face="Times New Roman">Page </FONT></FONT><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman">19</FONT></FONT><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"> </FONT></FONT><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="LAYOUT-GRID-MODE: line; FONT-SIZE: 12pt" face="Times New Roman">of 28</FONT></FONT></P></TD></TR></TABLE></DIV>

<P style="MARGIN: 0in 0in 0pt"><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT></FONT>&nbsp;</P></DIV>

<P style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0in 0in 12pt"><FONT style="FONT-SIZE: 12pt" lang=EN-US color=black face="Times New Roman">On September 29, 2011, we filed a Schedule 13D reporting a position in United Insurance Holdings Corp. (&#8220;UIHC&#8221;).&nbsp; We hope to work with UIHC to maximize shareholder value.</FONT></P>

<P style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0in 0in 12pt"><FONT style="FONT-SIZE: 12pt" lang=EN-US color=black face="Times New Roman">Members of the Group may seek to make additional purchases or sales of shares of Common Stock. Except as described in this filing, no member of the Group has any plans or proposals which relate to, or could result in, any of the matters referred to in paragraphs (a) through (j), inclusive, of Item 4 of Schedule 13D. Members of the Group may, at any time and from time to time, review or reconsider their positions and formulate plans or proposals with respect thereto.</FONT></P>

<H2 style="PAGE-BREAK-AFTER: avoid; MARGIN: 12pt 0.5in 12pt 0in"><B><FONT style="LINE-HEIGHT: 12pt; FONT-SIZE: 12pt" face="Times New Roman">Item 5.&nbsp;&nbsp;Interest in Securities of the Issuer</FONT></B></H2>

<P style="TEXT-ALIGN: justify; TEXT-INDENT: 0.5in; MARGIN: 0in 0in 12pt"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">The percentages used in this filing are calculated based on the number of outstanding shares of Common Stock, 11,507,431, reported as the number of outstanding shares as of September 7, 2011, in the Issuer&#8217;s Form 10-K filed with the Securities and Exchange Commission on September 13, 2011.&nbsp; </FONT><FONT style="FONT-SIZE: 12pt" lang=EN-US color=black face="Times New Roman">All transactions in Common Stock reported herein were made on the open market.</FONT></P>

<H4 style="PAGE-BREAK-AFTER: avoid; TEXT-ALIGN: justify; MARGIN: 12pt 0.5in 12pt 13.5pt"><FONT style="LINE-HEIGHT: 12pt; FONT-SIZE: 12pt; FONT-WEIGHT: normal" face="Times New Roman">(A)&nbsp;&nbsp;Stilwell Value Partners II</FONT></H4>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Aggregate number of shares beneficially owned:&nbsp; 823,565</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">Percentage: 7.2%</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp; 1.&nbsp; Sole power to vote or to direct vote:&nbsp; 0</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">2.&nbsp; Shared power to vote or to direct vote:&nbsp; 823,565</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">3.&nbsp; Sole power to dispose or to direct the disposition:&nbsp; 0</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">4.&nbsp; Shared power to dispose or to direct disposition:&nbsp; 823,565</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Within the past 60 days, Stilwell Value Partners II purchased shares of Common Stock as follows:</FONT></P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<DIV align=center>

<TABLE style="WIDTH: 475.1pt; BORDER-COLLAPSE: collapse; MARGIN-LEFT: 0.45in" border=0 cellSpacing=0 cellPadding=0>



<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 6pt" align=center><U><FONT style="FONT-SIZE: 12pt" face="Times New Roman">Date</FONT></U></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="27%" colSpan=2>

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 6pt" align=center><U><FONT style="FONT-SIZE: 12pt" face="Times New Roman">Number of Shares</FONT></U></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 6pt" align=center><U><FONT style="FONT-SIZE: 12pt" face="Times New Roman">Price Per Share</FONT></U></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="35%" colSpan=3>

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 6pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">Total<BR></FONT><U><FONT style="FONT-SIZE: 12pt" face="Times New Roman">Purchase Price</FONT></U></P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">08/08/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">1,050</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">$8.10</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">$</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8,505</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">08/09/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">16,900</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.06</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">136,211</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">08/10/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">6,375</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.01</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">51,080</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">08/11/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">2,625</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.00</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">21,000</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">08/19/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">19,875</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.25</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">163,943</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">08/25/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">7,500</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.20</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">61,500</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/02/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">6,518</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.25</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">53,774</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/13/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">2,700</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.10</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">21,870</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/19/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">150</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.25</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">1,238</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/22/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">4,745</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="MARGIN: 0in"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.10</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">38,435</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/26/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">15,837</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">128,372</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/27/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">3,678</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.38</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">30,813</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/28/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">7,267</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.49</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">61,716</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/29/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">14,939</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.58</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">128,187</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">10/03/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">10,650</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.71</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">92,793</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">10/04/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">761</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.65</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">6,583</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">10/05/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">17,980</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="MARGIN: 0in"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.75</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">157,325</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">10/06/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">17,500</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="MARGIN: 0in"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.74</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">152,870</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">10/06/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">5,000</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="MARGIN: 0in"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.70</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="12%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="14%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">43,500</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="9%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR></TABLE></DIV>

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   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman">CUSIP No. 743868101</FONT></P></TD>

   <TD style="BORDER-BOTTOM: windowtext 1pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-TOP: 0in; mso-border-bottom-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width="33%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">SCHEDULE 13D</FONT></P></TD>

   <TD style="BORDER-BOTTOM: windowtext 1pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; BORDER-RIGHT: windowtext 1pt solid; PADDING-TOP: 0in; mso-border-bottom-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt" vAlign=top width="34%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="LAYOUT-GRID-MODE: line; FONT-SIZE: 12pt" face="Times New Roman">Page </FONT></FONT><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman">20</FONT></FONT><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"> </FONT></FONT><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="LAYOUT-GRID-MODE: line; FONT-SIZE: 12pt" face="Times New Roman">of 28</FONT></FONT></P></TD></TR></TABLE></DIV>

<P style="MARGIN: 0in 0in 0pt"><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT></FONT>&nbsp;</P></DIV>

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<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="TEXT-ALIGN: justify; MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp; Because he is the managing member and 99% owner of Stilwell Value LLC, which is the general partner of Stilwell Value Partners II, Joseph Stilwell has the power to direct the affairs of Stilwell Value Partners II, including the voting and disposition of shares of Common Stock held in the name of Stilwell Value Partners II.&nbsp; Therefore, Joseph Stilwell is deemed to share voting and disposition power with Stilwell Value Partners II with regard to those shares of Common Stock.</FONT></P>

<H4 style="PAGE-BREAK-AFTER: avoid; TEXT-ALIGN: justify; MARGIN: 12pt 0.5in 12pt 13.5pt"><FONT style="LINE-HEIGHT: 12pt; FONT-SIZE: 12pt; FONT-WEIGHT: normal" face="Times New Roman">(B)&nbsp; Stilwell Value Partners VI</FONT></H4>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Aggregate number of shares beneficially owned:&nbsp; 823,565</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">Percentage: 7.2%</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp; 1.&nbsp; Sole power to vote or to direct vote:&nbsp; 0</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">2.&nbsp; Shared power to vote or to direct vote:&nbsp; 823,565</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">3.&nbsp; Sole power to dispose or to direct the disposition:&nbsp; 0</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">4.&nbsp; Shared power to dispose or to direct disposition:&nbsp; 823,565</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Within the past 60 days, Stilwell Value Partners VI purchased shares of Common Stock as follows:</FONT></P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

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<TABLE style="WIDTH: 472.3pt; BORDER-COLLAPSE: collapse; MARGIN-LEFT: 0.45in" border=0 cellSpacing=0 cellPadding=0>



<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 6pt" align=center><U><FONT style="FONT-SIZE: 12pt" face="Times New Roman">Date</FONT></U></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="28%" colSpan=2>

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 6pt" align=center><U><FONT style="FONT-SIZE: 12pt" face="Times New Roman">Number of Shares</FONT></U></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="20%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 6pt" align=center><U><FONT style="FONT-SIZE: 12pt" face="Times New Roman">Price Per Share</FONT></U></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="33%" colSpan=3>

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 6pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">Total<BR></FONT><U><FONT style="FONT-SIZE: 12pt" face="Times New Roman">Purchase Price</FONT></U></P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/26/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">15,837</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="20%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">$8.11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="8%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">$</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">128,372</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="8%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/27/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">3,678</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="MARGIN: 0in"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="20%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.38</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="8%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">30,813</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="8%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/28/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">7,266</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="MARGIN: 0in"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="20%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.49</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="8%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">61,708</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="8%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/29/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">14,939</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="MARGIN: 0in"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="20%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.58</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="8%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">128,187</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="8%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">10/03/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">10,650</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="MARGIN: 0in"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="20%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.71</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="8%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">92,793</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="8%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">10/04/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">761</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="MARGIN: 0in"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="20%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.65</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="8%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">6,583</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="8%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">10/05/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">17,975</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="MARGIN: 0in"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="20%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.75</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="8%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">157,281</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="8%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">10/06/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">17,500</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="MARGIN: 0in"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="20%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.74</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="8%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">152,870</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="8%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">10/06/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">5,000</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="MARGIN: 0in"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="20%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.70</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="8%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">43,500</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="8%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR></TABLE></DIV>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="TEXT-ALIGN: justify; MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp; Because he is the managing member and 99% owner of Stilwell Value LLC, which is the general partner of Stilwell Value Partners VI, Joseph Stilwell has the power to direct the affairs of Stilwell Value Partners VI, including the voting and disposition of shares of Common Stock held in the name of Stilwell Value Partners VI.&nbsp; Therefore, Joseph Stilwell is deemed to share voting and disposition power with Stilwell Value Partners VI with regard to those shares of Common Stock.</FONT></P>

<H4 style="PAGE-BREAK-AFTER: avoid; TEXT-ALIGN: justify; MARGIN: 12pt 0.5in 12pt 13.5pt">&nbsp;</H4>

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   <TD style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: windowtext 1pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-TOP: 0in; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width="33%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman">CUSIP No. 743868101</FONT></P></TD>

   <TD style="BORDER-BOTTOM: windowtext 1pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-TOP: 0in; mso-border-bottom-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width="33%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">SCHEDULE 13D</FONT></P></TD>

   <TD style="BORDER-BOTTOM: windowtext 1pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; BORDER-RIGHT: windowtext 1pt solid; PADDING-TOP: 0in; mso-border-bottom-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt" vAlign=top width="34%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="LAYOUT-GRID-MODE: line; FONT-SIZE: 12pt" face="Times New Roman">Page </FONT></FONT><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman">21</FONT></FONT><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"> </FONT></FONT><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="LAYOUT-GRID-MODE: line; FONT-SIZE: 12pt" face="Times New Roman">of 28</FONT></FONT></P></TD></TR></TABLE></DIV>

<P style="MARGIN: 0in 0in 0pt"><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT></FONT>&nbsp;</P></DIV>

<H4 style="PAGE-BREAK-AFTER: avoid; TEXT-ALIGN: justify; MARGIN: 12pt 0.5in 12pt 13.5pt"><FONT style="LINE-HEIGHT: 12pt; FONT-SIZE: 12pt; FONT-WEIGHT: normal" face="Times New Roman">(C)&nbsp; Stilwell Value Partners VII</FONT></H4>

<P style="PAGE-BREAK-AFTER: avoid; MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Aggregate number of shares beneficially owned:&nbsp; 823,565</FONT></P>

<P style="PAGE-BREAK-AFTER: avoid; TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">Percentage: 7.2%</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp; 1.&nbsp; Sole power to vote or to direct vote:&nbsp; 0</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">2.&nbsp; Shared power to vote or to direct vote:&nbsp; 823,565</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">3.&nbsp; Sole power to dispose or to direct the disposition:&nbsp; 0</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">4.&nbsp; Shared power to dispose or to direct disposition:&nbsp; 823,565</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Within the past 60 days, Stilwell Value Partners VII purchased shares of Common Stock as follows:</FONT></P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<DIV align=center>

<TABLE style="WIDTH: 472.3pt; BORDER-COLLAPSE: collapse; MARGIN-LEFT: 0.45in" border=0 cellSpacing=0 cellPadding=0>



<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="PAGE-BREAK-AFTER: avoid; TEXT-ALIGN: center; MARGIN: 0in 0in 6pt" align=center><U><FONT style="FONT-SIZE: 12pt" face="Times New Roman">Date</FONT></U></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="28%" colSpan=2>

   <P style="PAGE-BREAK-AFTER: avoid; TEXT-ALIGN: center; MARGIN: 0in 0in 6pt" align=center><U><FONT style="FONT-SIZE: 12pt" face="Times New Roman">Number of Shares</FONT></U></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="PAGE-BREAK-AFTER: avoid; TEXT-ALIGN: center; MARGIN: 0in 0in 6pt" align=center><U><FONT style="FONT-SIZE: 12pt" face="Times New Roman">Price Per Share</FONT></U></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="31%" colSpan=3>

   <P style="PAGE-BREAK-AFTER: avoid; TEXT-ALIGN: center; MARGIN: 0in 0in 6pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">Total<BR></FONT><U><FONT style="FONT-SIZE: 12pt" face="Times New Roman">Purchase Price</FONT></U></P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">08/08/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">350</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">$8.10</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">$</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">2,835</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">08/09/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">5,633</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.06</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">45,401</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">08/10/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">2,125</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.01</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">17,027</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">08/11/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">875</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.00</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">7,000</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">08/19/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">6,625</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.25</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">54,648</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">08/25/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">2,500</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.20</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">20,500</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">08/29/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">124</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">7.92</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">982</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/02/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">3,358</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.25</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">27,704</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/13/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">975</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.10</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">7,898</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/19/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">50</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.25</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">413</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/22/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">1,580</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.10</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">12,798</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/26/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">15,837</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">128,372</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/27/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">3,678</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.38</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">30,813</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/28/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">7,266</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.49</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">61,708</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">09/29/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">14,939</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.58</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">128,187</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">10/03/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">10,600</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.71</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">92,358</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">10/04/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">761</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.65</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">6,583</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; BACKGROUND-COLOR: #c1e7f9; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR>

<TR>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="19%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">10/05/11</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="18%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">16,277</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="10%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="22%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">8.75</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=top width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="17%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="FONT-SIZE: 12pt" face="Times New Roman">142,424</FONT></P></TD>

   <TD style="PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; PADDING-TOP: 0in" vAlign=bottom width="7%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"></FONT>&nbsp;</P></TD></TR></TABLE></DIV>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="TEXT-ALIGN: justify; MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp; Because he is the managing member and 99% owner of Stilwell Value LLC, which is the general partner of Stilwell Value Partners VII, Joseph Stilwell has the power to direct the affairs of Stilwell Value Partners VII, including the voting and disposition of shares of Common Stock held in the name of Stilwell Value Partners VII.&nbsp; Therefore, Joseph Stilwell is deemed to share voting and disposition power with Stilwell Value Partners VII with regard to those shares of Common Stock.</FONT></P>

<H4 style="PAGE-BREAK-AFTER: avoid; TEXT-ALIGN: justify; MARGIN: 12pt 0.5in 12pt 13.5pt"><FONT style="LINE-HEIGHT: 12pt; FONT-SIZE: 12pt; FONT-WEIGHT: normal" face="Times New Roman">(D)&nbsp; Stilwell Associates</FONT></H4>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Aggregate number of shares beneficially owned:&nbsp; 823,565</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">Percentage:&nbsp; 7.2%</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp; 1.&nbsp; Sole power to vote or to direct vote:&nbsp; 0</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">2.&nbsp; Shared power to vote or to direct vote:&nbsp; 823,565</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">3.&nbsp; Sole power to dispose or to direct the disposition:&nbsp; 0</FONT></P>

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<TABLE style="BORDER-BOTTOM: medium none; BORDER-LEFT: medium none; WIDTH: 100%; BORDER-COLLAPSE: collapse; BORDER-TOP: medium none; BORDER-RIGHT: medium none; mso-border-alt: solid windowtext .5pt; mso-padding-alt: 0in 5.4pt 0in 5.4pt; mso-yfti-tbllook: 480" border=0 cellSpacing=0 cellPadding=0>



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   <TD style="BORDER-BOTTOM: windowtext 1pt solid; BORDER-LEFT: windowtext 1pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-TOP: 0in; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width="33%">

   <P style="MARGIN: 0in 0in 0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman">CUSIP No. 743868101</FONT></P></TD>

   <TD style="BORDER-BOTTOM: windowtext 1pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; PADDING-TOP: 0in; mso-border-bottom-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt" vAlign=top width="33%">

   <P style="TEXT-ALIGN: center; MARGIN: 0in 0in 0pt" align=center><FONT style="FONT-SIZE: 12pt" face="Times New Roman">SCHEDULE 13D</FONT></P></TD>

   <TD style="BORDER-BOTTOM: windowtext 1pt solid; PADDING-BOTTOM: 0in; PADDING-LEFT: 5.4pt; PADDING-RIGHT: 5.4pt; BORDER-TOP: windowtext 1pt solid; BORDER-RIGHT: windowtext 1pt solid; PADDING-TOP: 0in; mso-border-bottom-alt: solid windowtext .5pt; mso-border-top-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt" vAlign=top width="34%">

   <P style="TEXT-ALIGN: right; MARGIN: 0in 0in 0pt" align=right><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="LAYOUT-GRID-MODE: line; FONT-SIZE: 12pt" face="Times New Roman">Page </FONT></FONT><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman">22</FONT></FONT><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="FONT-SIZE: 12pt" face="Times New Roman"> </FONT></FONT><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="LAYOUT-GRID-MODE: line; FONT-SIZE: 12pt" face="Times New Roman">of 28</FONT></FONT></P></TD></TR></TABLE></DIV>

<P style="MARGIN: 0in 0in 0pt"><FONT style="mso-bidi-font-size: 12.0pt"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT></FONT>&nbsp;</P></DIV>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">4.&nbsp; Shared power to dispose or to direct disposition:&nbsp; 823,565</FONT></P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Stilwell Associates has not purchased or sold any shares of Common Stock in the past 60 days.</FONT></P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="TEXT-ALIGN: justify; MARGIN: 0in 0in 12pt 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp; </FONT><FONT style="FONT-SIZE: 12pt" lang=EN-US color=black face="Times New Roman">Because he is the managing member and 99% owner of Stilwell Value LLC, which is the general partner of Stilwell Associates, Joseph Stilwell has the power to direct the affairs of Stilwell Associates, including the voting and disposition of shares of Common Stock held in the name of Stilwell Associates. Therefore, Joseph Stilwell is deemed to share voting and disposition power with Stilwell Associates with regard to those shares of Common Stock.</FONT></P>

<H4 style="PAGE-BREAK-AFTER: avoid; TEXT-ALIGN: justify; MARGIN: 12pt 0.5in 12pt 13.5pt"><FONT style="LINE-HEIGHT: 12pt; FONT-SIZE: 12pt; FONT-WEIGHT: normal" face="Times New Roman">(E)&nbsp; Stilwell SALI Fund</FONT></H4>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Aggregate number of shares beneficially owned:&nbsp; 823,565</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">Percentage:&nbsp; 7.2%</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp; 1.&nbsp; Sole power to vote or to direct vote:&nbsp; 0</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">2.&nbsp; Shared power to vote or to direct vote:&nbsp; 823,565</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">3.&nbsp; Sole power to dispose or to direct the disposition:&nbsp; 0</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">4.&nbsp; Shared power to dispose or to direct disposition:&nbsp; 823,565</FONT></P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Stilwell SALI Fund has not purchased or sold any shares of Common Stock in the past 60 days.</FONT></P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="TEXT-ALIGN: justify; MARGIN: 0in 0in 12pt 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp; </FONT><FONT style="FONT-SIZE: 12pt" lang=EN-US color=black face="Times New Roman">Because he is the managing and sole member of Stilwell Advisors, which is the general partner of Stilwell SALI Fund, Joseph Stilwell has the power to direct the affairs of Stilwell SALI Fund, including the voting and disposition of shares of Common Stock held in the name of Stilwell SALI Fund.&nbsp; Therefore, Joseph Stilwell is deemed to share voting and disposition power with Stilwell SALI Fund with respect to those shares of Common Stock.</FONT></P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(F)&nbsp; Stilwell Value LLC</FONT></P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(a)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Aggregate number of shares beneficially owned:&nbsp; 823,565</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">Percentage:&nbsp; 7.2%</FONT></P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(b)&nbsp;&nbsp;&nbsp;&nbsp; 1.&nbsp; Sole power to vote or to direct vote:&nbsp; 0</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">2.&nbsp; Shared power to vote or to direct vote:&nbsp; 823,565</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">3.&nbsp; Sole power to dispose or to direct the disposition:&nbsp; 0</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">4.&nbsp; Shared power to dispose or to direct disposition:&nbsp; 823,565</FONT></P>

<P style="TEXT-ALIGN: left; MARGIN: 0in 0in 0in 0.6in" align=left><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman"></FONT>&nbsp;</P>

<P style="MARGIN: 0in 0in 12pt 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(c)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Stilwell Value LLC has made no purchases of shares of Common Stock.</FONT></P>

<P style="TEXT-ALIGN: justify; MARGIN: 0in 0in 0in 0.2in"><FONT style="FONT-SIZE: 12pt" lang=EN-US face="Times New Roman">(d)&nbsp;&nbsp;&nbsp;&nbsp; Because he is the managing member and 99% owner of Stilwell Value LLC, Joseph Stilwell has the power to direct the affairs of Stilwell Value LLC.&nbsp; Stilwell Value LLC is the general partner of Stilwell Value Partners II, Stilwell Value Partners VI, Stilwell Value Partners VII and Stilwell Associates.&nbsp; Therefore, Stilwell Value LLC may be deemed to share with Joseph Stilwell voting and disposition power with regard to the shares of Common Stock </FONT>

<font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">held by Stilwell Value
Partners II, Stilwell Value Partners VI, Stilwell Value Partners VII and
Stilwell Associates.</font></P>

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  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

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  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

  13D</font></p>

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  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">23</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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<p style="margin:0in;margin-bottom:.0001pt;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></font></p>





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<h4 style="margin-bottom:12.0pt;margin-left:13.5pt;margin-right:.5in;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman" style="font-size:12.0pt;font-weight:normal;line-height:12.0pt;">(G)&#160; Stilwell Advisors</font></h4>

<p style="margin-bottom:0in;margin-left:.2in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">(a)&#160;&#160;&#160;&#160;&#160; Aggregate number of shares beneficially owned:&#160; 823,565</font></p>

<p align=left style="margin-bottom:0in;margin-left:.6in;margin-right:0in;margin-top:0in;text-align:left;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">Percentage:&#160; 7.2%</font></p>

<p style="margin-bottom:0in;margin-left:.2in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">(b)&#160;&#160;&#160;&#160; 1.&#160; Sole power to vote or to direct vote:&#160; 0</font></p>

<p align=left style="margin-bottom:0in;margin-left:.6in;margin-right:0in;margin-top:0in;text-align:left;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">2.&#160; Shared power to vote
or to direct vote:&#160; 823,565</font></p>

<p align=left style="margin-bottom:0in;margin-left:.6in;margin-right:0in;margin-top:0in;text-align:left;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">3.&#160; Sole power to
dispose or to direct the disposition:&#160; 0</font></p>

<p align=left style="margin-bottom:0in;margin-left:.6in;margin-right:0in;margin-top:0in;text-align:left;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">4.&#160; Shared power to
dispose or to direct disposition:&#160; 823,565</font></p>

<p align=left style="margin-bottom:0in;margin-left:.6in;margin-right:0in;margin-top:0in;text-align:left;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<p style="margin-bottom:12.0pt;margin-left:.2in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">(c)&#160;&#160;&#160;&#160;&#160; Stilwell Advisors has made no
purchases of shares of Common Stock.</font></p>

<p style="margin-bottom:0in;margin-left:.2in;margin-right:0in;margin-top:0in;text-align:justify;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">(d)&#160;&#160;&#160;&#160; Because he is the managing and
sole member of Stilwell Advisors, Joseph Stilwell has the power to direct the
affairs of Stilwell Advisors.&#160; Stilwell Advisors is the general partner of
Stilwell SALI Fund.&#160; Therefore, Stilwell Advisors may be deemed to share with
Joseph Stilwell voting and disposition power with regard to the shares of
Common Stock held by Stilwell SALI Fund.</font></p>

<h4 style="margin-bottom:12.0pt;margin-left:13.5pt;margin-right:.5in;margin-top:12.0pt;page-break-after:avoid;text-align:justify;"><font face="Times New Roman" style="font-size:12.0pt;font-weight:normal;line-height:12.0pt;">(H)&#160; Joseph Stilwell</font></h4>

<p style="margin-bottom:0in;margin-left:.2in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">(a)&#160;&#160;&#160;&#160;&#160; Aggregate number of shares beneficially owned:&#160; 823,565</font></p>

<p align=left style="margin-bottom:12.0pt;margin-left:.6in;margin-right:0in;margin-top:0in;text-align:left;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">Percentage:&#160;
7.2%</font></p>

<p style="margin-bottom:0in;margin-left:.2in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">(b)&#160;&#160;&#160;&#160; 1.&#160; Sole power to vote or to direct vote:&#160; 0</font></p>

<p align=left style="margin-bottom:0in;margin-left:.6in;margin-right:0in;margin-top:0in;text-align:left;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">2.&#160; Shared power to vote
or to direct vote:&#160; 823,565</font></p>

<p align=left style="margin-bottom:0in;margin-left:.6in;margin-right:0in;margin-top:0in;text-align:left;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">3.&#160; Sole power to
dispose or to direct the disposition:&#160; 0</font></p>

<p align=left style="margin-bottom:12.0pt;margin-left:.6in;margin-right:0in;margin-top:0in;text-align:left;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">4.&#160;
Shared power to dispose or to direct disposition: 823,565</font></p>

<p align=left style="margin-bottom:12.0pt;margin-left:13.5pt;margin-right:0in;margin-top:0in;text-align:left;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">(c)&#160;&#160; Joseph Stilwell
has made no purchases of shares of Common Stock.</font></p>

<p style="margin:0in;margin-bottom:12.0pt;page-break-after:avoid;text-indent:0in;"><b><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;line-height:normal;">Item 6.&#160; Contracts, Arrangements,
Understandings or Relationships With Respect to Securities of the Issuer</font></b></p>

<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:justify;text-indent:.5in;"><font color=black face="Times New Roman" lang=EN-US style="font-size:12.0pt;">Other than the Joint Filing Agreement filed as
Exhibit 1 to this Schedule 13D, there are no contracts, arrangements,
understandings or relationships among the persons named in Item 2 hereof and
between such persons and any person with respect to any securities of the Issuer,
including but not limited to transfer or voting of any of the securities,
finders&#8217; fees, joint ventures, loan or option arrangements, puts or calls,
guarantees of profits, divisions of profits or losses, or the giving or
withholding of proxies, except for sharing of profits.&#160; Stilwell Value LLC, in
its capacity as general partner of Stilwell Value Partners II, Stilwell Value
Partners VI, Stilwell Value Partners VII and Stilwell Associates, Stilwell
Advisors, in its capacity as the general partner of Stilwell SALI Fund, and Joseph
Stilwell, in his capacity as the managing member and 99% owner of Stilwell
Value LLC and the managing and sole member of Stilwell Advisors, are entitled
to an allocation of a portion of profits.&#160; </font></p>

<p align=left style="margin:0in;margin-bottom:12.0pt;text-align:left;text-indent:.5in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">See
Items 1 and 2 above regarding disclosure of the relationships between members
of the Group, which disclosure is incorporated herein by reference.</font></p>

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  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

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  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

  13D</font></p>

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  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">24</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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<h2 style="margin-bottom:12.0pt;margin-left:0in;margin-right:.5in;margin-top:12.0pt;page-break-after:avoid;"><b><font face="Times New Roman" style="font-size:12.0pt;line-height:12.0pt;">Item 7.&#160; Material to be Filed as Exhibits</font></b></h2>

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  <p style="margin:0in;margin-bottom:.0001pt;"><u><font face="Times New Roman" style="font-size:12.0pt;">Exhibit
  No.</font></u></p>
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  <p style="margin:0in;margin-bottom:.0001pt;"><u><font face="Times New Roman" style="font-size:12.0pt;">Description</font></u></p>
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  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">1</font></p>
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  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">Joint
  Filing Agreement, dated October 6, 2011</font></p>
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  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

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  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

  13D</font></p>

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  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">25</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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<p style="margin-bottom:12.0pt;margin-left:0in;margin-right:0in;margin-top:0in;text-align:center;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;line-height:12.0pt;">SIGNATURES</font></p>

<p style="margin:0in;margin-bottom:12.0pt;text-align:justify;text-indent:.5in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">After reasonable inquiry and
to the best of our knowledge and belief, we certify that the information set
forth in this statement is true, complete and correct.</font></p>

<p align=left style="margin:0in;margin-bottom:6.0pt;text-align:left;text-indent:0in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">Date:&#160;&#160;&#160; October 6, 2011</font></p>

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  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
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  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  VALUE PARTNERS II, L.P.</font></p>
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  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td colspan=2 valign=bottom width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  VALUE LLC</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">General
  Partner</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">/s/
  Joseph Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td valign=top width=43% style="border-top:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Joseph
  Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Managing
  Member</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=bottom width=52% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=bottom width=52% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  VALUE PARTNERS VI, L.P.</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td colspan=2 valign=bottom width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  VALUE LLC</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">General
  Partner</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">/s/
  Joseph Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td valign=top width=43% style="border-top:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Joseph
  Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Managing
  Member</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=bottom width=52% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=bottom width=52% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  VALUE PARTNERS VII, L.P.</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td colspan=2 valign=bottom width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  VALUE LLC</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">General
  Partner</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">/s/
  Joseph Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td valign=top width=43% style="border-top:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Joseph
  Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Managing
  Member</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<div align=center>

<table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=bottom width=52% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  ASSOCIATES, L.P.</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td colspan=2 valign=bottom width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  VALUE LLC</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">General
  Partner</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">/s/
  Joseph Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td valign=top width=43% style="border-top:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Joseph
  Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Managing
  Member</font></p>
  </td>
 </tr>
</table>

</div>





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 <tr style="mso-yfti-firstrow:yes;mso-yfti-irow:0;mso-yfti-lastrow:yes;">
  <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

  </td>
 <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

  13D</font></p>

  </td>
 <td valign=top width=34% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">26</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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<p style="margin:0in;margin-bottom:.0001pt;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></font></p>





</DIV>
<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<div align=center>

<table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">

  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=bottom width=52% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  ASSOCIATES INSURANCE FUND OF THE S.A.L.I. MULTI-SERIES FUND L.P.</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td colspan=2 valign=bottom width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  ADVISORS LLC</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">General
  Partner</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">/s/
  Joseph Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td valign=top width=43% style="border-top:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Joseph
  Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Managing
  Member</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<div align=center>

<table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=51% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  VALUE LLC</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=51% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=51% style="border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">/s/
  Joseph Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td valign=top width=47% style="border-top:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Joseph
  Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Managing
  Member</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=51% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=51% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  ADVISORS LLC</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=51% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=51% style="border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">/s/
  Joseph Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td valign=top width=47% style="border-top:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Joseph
  Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Managing
  Member</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<div align=center>

<table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=51% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">JOSEPH
  STILWELL</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=51% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=51% style="border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">/s/
  Joseph Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=51% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Joseph
  Stilwell</font></p>
  </td>
 </tr>
</table>

</div>





<a name="_bclFooter26"></a><DIV>





<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:10.0pt;line-height:12.0pt;">&nbsp;</font></p>





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<table cellpadding=0 cellspacing=0 border=0 style="border:none;border-collapse:collapse;mso-border-alt:solid windowtext .5pt;mso-padding-alt:0in 5.4pt 0in 5.4pt;mso-yfti-tbllook:480;width:100.0%;">
 <tr style="mso-yfti-firstrow:yes;mso-yfti-irow:0;mso-yfti-lastrow:yes;">
  <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

  </td>
 <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

  13D</font></p>

  </td>
 <td valign=top width=34% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">27</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

  </td>
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<p style="margin:0in;margin-bottom:.0001pt;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></font></p>





</DIV>
<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">EXHIBIT 1</font></b></p>

<p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><b><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">JOINT FILING AGREEMENT</font></b></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;text-align:justify;text-indent:.5in;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">In accordance with Rule 13d-1(k) under the Securities
Exchange Act of 1934, as amended, the persons named below agree to the joint
filing on behalf of each of them of a statement on Schedule 13D (including
amendments thereto) with respect to the Common Stock of the Issuer and further
agree that this Joint Filing Agreement be included as an Exhibit to such joint
filings.</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">Date:&#160;&#160;&#160; October
6, 2011</font></p>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Courier New" lang=EN-US style="font-size:10.0pt;">&nbsp;</font></p>

<div align=center>

<table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=bottom width=52% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  VALUE PARTNERS II, L.P.</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td colspan=2 valign=bottom width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  VALUE LLC</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">General
  Partner</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">/s/
  Joseph Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td valign=top width=43% style="border-top:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Joseph
  Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Managing
  Member</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=bottom width=52% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=bottom width=52% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  VALUE PARTNERS VI, L.P.</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td colspan=2 valign=bottom width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  VALUE LLC</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">General
  Partner</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">/s/
  Joseph Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td valign=top width=43% style="border-top:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Joseph
  Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Managing
  Member</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=bottom width=52% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=bottom width=52% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  VALUE PARTNERS VII, L.P.</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td colspan=2 valign=bottom width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  VALUE LLC</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">General
  Partner</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">/s/
  Joseph Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td valign=top width=43% style="border-top:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Joseph
  Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Managing
  Member</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<div align=center>

<table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=bottom width=52% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  ASSOCIATES, L.P.</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td colspan=2 valign=bottom width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  VALUE LLC</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">General
  Partner</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">/s/
  Joseph Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td valign=top width=43% style="border-top:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Joseph
  Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Managing
  Member</font></p>
  </td>
 </tr>
</table>

</div>





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  <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-left:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-left-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" style="font-size:12.0pt;">CUSIP No. 743868101</font></p>

  </td>
 <td valign=top width=33% style="border-bottom:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=center style="margin:0in;margin-bottom:.0001pt;text-align:center;"><font face="Times New Roman" style="font-size:12.0pt;">SCHEDULE

  13D</font></p>

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 <td valign=top width=34% style="border-bottom:solid windowtext 1.0pt;border-right:solid windowtext 1.0pt;border-top:solid windowtext 1.0pt;mso-border-bottom-alt:solid windowtext .5pt;mso-border-right-alt:solid windowtext .5pt;mso-border-top-alt:solid windowtext .5pt;padding:0in 5.4pt 0in 5.4pt;">

  <p align=right style="margin:0in;margin-bottom:.0001pt;text-align:right;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">Page </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;">28</font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;"> </font></font><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" style="font-size:12.0pt;layout-grid-mode:line;">of 28</font></font></p>

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<p style="margin:0in;margin-bottom:.0001pt;"><font style="mso-bidi-font-size:12.0pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></font></p>





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<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<div align=center>

<table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=3 valign=bottom width=52% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  ASSOCIATES INSURANCE FUND OF THE S.A.L.I. MULTI-SERIES FUND L.P.</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=bottom width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=bottom width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td colspan=2 valign=bottom width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  ADVISORS LLC</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">General
  Partner</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=47% style="border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">/s/
  Joseph Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td valign=top width=43% style="border-top:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Joseph
  Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=48% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=5% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=43% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Managing
  Member</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<div align=center>

<table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=51% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  VALUE LLC</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=51% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=51% style="border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">/s/
  Joseph Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td valign=top width=47% style="border-top:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Joseph
  Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Managing
  Member</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=51% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=51% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">STILWELL
  ADVISORS LLC</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=51% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td colspan=2 valign=top width=51% style="border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">/s/
  Joseph Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">By:</font></p>
  </td>
 <td valign=top width=47% style="border-top:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Joseph
  Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=4% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=47% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Managing
  Member</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>

<div align=center>

<table cellpadding=0 cellspacing=0 border=0 style="border-collapse:collapse;width:100.0%;">
 <tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=51% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">JOSEPH
  STILWELL</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=51% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=51% style="border-bottom:solid windowtext 1.0pt;padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">/s/
  Joseph Stilwell</font></p>
  </td>
 </tr>
<tr style="page-break-inside:avoid;">
  <td valign=top width=49% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">&nbsp;</font></p>
  </td>
 <td valign=top width=51% style="padding:0in 0in 0in 0in;">
  <p style="margin-bottom:0in;margin-left:0in;margin-right:0in;margin-top:0in;"><font face="Times New Roman" style="font-size:12.0pt;">Joseph
  Stilwell</font></p>
  </td>
 </tr>
</table>

</div>

<p style="margin:0in;margin-bottom:.0001pt;"><font face="Times New Roman" lang=EN-US style="font-size:12.0pt;">&nbsp;</font></p>




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