A number of the small banks that I follow have taken a few backwards steps over the last two or three days. The reason I believe is fear of going off of the fiscal cliff. Should a recession hit us again many of these small banks will really find themselves in the soup and this includes FMAR. It could be that some investors in FMAR, as well investors in other stocks, are opting to hold cash rather than equities until they have a more faith in the future.