Institutions that Did Not Respond This Year

1ST FS CORPORATION
AB&T FINANCIAL CORPORATION
ALARION FINANCIAL SERVICES, INC.
ALLIANCE BANCSHARES, INC.
ALLIED FIRST BANCORP, INC.
ANNAPOLIS BANCORP, INC.
ATLANTIC BANCSHARES, INC.
BANCORP OF OKOLONA, INC.
BANCTRUST FINANCIAL GROUP, INC.
BANK OF THE CAROLINAS CORPORATION
BANKASIANA
BANKERS' BANK OF THE WEST BANCORP, INC.
BCB HOLDING COMPANY, INC.
BETHEX FEDERAL CREDIT UNION
BISCAYNE BANCSHARES, INC.
BNCCORP, INC.
BORDER FEDERAL CREDIT UNION
BROADWAY FINANCIAL CORPORATION
CALVERT FINANCIAL CORPORATION
CALWEST BANCORP
CAROLINA BANK HOLDINGS, INC.
CARROLLTON BANCORP
CARVER BANCORP, INC
CECIL BANCORP, INC.
CEDARSTONE BANK
CENTRAL BANCORP, INC.
CITIZENS BANCSHARES CO.
CITIZENS BANCSHARES CORPORATION
CITIZENS REPUBLIC BANCORP, INC.
CITY NATIONAL BANCSHARES CORPORATION
COASTALSOUTH BANCSHARES, INC.
COMMONWEALTH BUSINESS BANK
COMMUNITY BANK OF THE BAY
COMMUNITY FINANCIAL CORPORATION
COMMUNITY PRIDE BANK CORPORATION
COVENANT FINANCIAL CORPORATION
CRESCENT FINANCIAL BANCSHARES, INC.
EAST END BAPTIST TABERNACLE FEDERAL CREDIT UNION
FAITH BASED FEDERAL CREDIT UNION
FARMERS & MERCHANTS FINANCIAL CORPORATION
FARMERS BANK
FIDELITY BANCORP, INC
FIDELITY FEDERAL BANCORP
FIRST AMERICAN INTERNATIONAL CORP.
FIRST CHOICE BANK
FIRST FINANCIAL SERVICE CORPORATION
FIRST INTERCONTINENTAL BANK
FIRST LEGACY COMMUNITY CREDIT UNION
FIRST RELIANCE BANCSHARES, INC.
FIRST SECURITY GROUP, INC.
FIRST SOUTHWEST BANCORPORATION, INC.
FIRST TRUST CORPORATION
FIRST WESTERN FINANCIAL, INC.
FLAGSTAR BANCORP, INC.
FLORIDA BANK GROUP, INC.
FREEDOM FIRST FEDERAL CREDIT UNION
GEORGIA PRIMARY BANK
GOLD CANYON BANK
GRAND MOUNTAIN BANCSHARES, INC.
GREEN CIRCLE INVESTMENTS, INC.
GREER BANCSHARES INCORPORATED
GUARANTY FEDERAL BANCSHARES, INC.
HCSB FINANCIAL CORPORATION
HILL DISTRICT FEDERAL CREDIT UNION
HMN FINANCIAL, INC.
IBT BANCORP, INC.
IDAHO BANCORP
INDEPENDENCE BANK
INDIANA BANK CORP.
MADISON FINANCIAL CORPORATION
MERIDIAN BANK
METROPOLITAN BANK GROUP, INC.
MIDTOWN BANK & TRUST COMPANY
MID-WISCONSIN FINANCIAL SERVICES, INC.
MONARCH COMMUNITY BANCORP, INC.
MOUNTAIN VALLEY BANCSHARES, INC.
NEMO BANCSHARES INC.
NEW YORK PRIVATE BANK & TRUST CORPORATION
NORTHEAST COMMUNITY FEDERAL CREDIT UNION
NORTHERN STATES FINANCIAL CORPORATION
NORTHWEST BANCORPORATION, INC.
NORTHWEST COMMERCIAL BANK
OMEGA CAPITAL CORP.
ONEFINANCIAL CORPORATION
ONEUNITED BANK
PACIFIC CITY FINANCIAL CORPORATION
PACIFIC COMMERCE BANK
PACIFIC INTERNATIONAL BANCORP
PATAPSCO BANCORP, INC.
PATHWAY BANCORP
PATTERSON BANCSHARES, INC
PEOPLESSOUTH BANCSHARES, INC.
PGB HOLDINGS, INC.
PHENIX PRIDE FEDERAL CREDIT UNION
PINNACLE BANK HOLDING COMPANY, INC.
PLUMAS BANCORP
PORTER BANCORP INC.
PREMIER BANCORP, INC.
PREMIER BANK HOLDING COMPANY
PREMIER SERVICE BANK
PREMIERWEST BANCORP
PRINCE KUHIO FEDERAL CREDIT UNION
PROVIDENT COMMUNITY BANCSHARES, INC.
RANDOLPH BANK & TRUST COMPANY
RCB FINANCIAL CORPORATION
REGENT BANCORP, INC.
RELIANCE BANCSHARES, INC.
RENAISSANCE COMMUNITY DEVELOPMENT CREDIT UNION
RIVER VALLEY BANCORPORATION, INC.
RIVERSIDE BANCSHARES, INC.
ROGERS BANCSHARES, INC.
SAIGON NATIONAL BANK
SANTA CLARA VALLEY BANK, N.A.
SANTA CRUZ COMMUNITY CREDIT UNION
SHREVEPORT FEDERAL CREDIT UNION
SOUTHCREST FINANCIAL GROUP, INC.
SOUTHERN CHAUTAUQUA FEDERAL CREDIT UNION
SOUTHFIRST BANCSHARES, INC.
SOUTHSIDE CREDIT UNION
SPIRIT BANKCORP, INC.
STONEBRIDGE FINANCIAL CORP.
SYRINGA BANCORP
TCB HOLDING COMPANY, TEXAS COMMUNITY BANK
THE FIRST BANCORP, INC.
THE QUEENSBOROUGH COMPANY
THURSTON UNION OF LOW-INCOME PEOPLE (TULIP) COOPERATIVE CREDIT UNION
TIDELANDS BANCSHARES, INC
U.S. CENTURY BANK
UNION FINANCIAL CORPORATION
UNION SETTLEMENT FEDERAL CREDIT UNION
UNITED AMERICAN BANK
"UNITEHERE FEDERAL CREDIT UNION
(WORKERS UNITED FEDERAL CREDIT UNION)"
UNO FEDERAL CREDIT UNION
VALLEY COMMUNITY BANK
VILLAGE BANK AND TRUST FINANCIAL CORP
WAUKESHA BANKSHARES, INC.
WESTERN COMMUNITY BANCSHARES, INC.
WORTHINGTON FINANCIAL HOLDINGS, INC.