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To: Nancy McKinney who wrote (1034)	10/16/2001 11:17:14 AM
From: Larry Brew	Read Replies (1) \| Respond to of 1038

Nancy, I don't hold now, but still follow it. I think ECHO has a little aligning with investors and past reporting to clean up. Just my opinion. I had a hard time believing they could pull off the on line banking venture. To me they also began to look like a collection agency with their acquisitions. Not exactly in harmony with the banking venture that I looked at as a GHOST bank. I could be wrong. I'm waiting to see where forward earnings take them. Larry