I would have much rather my dividend go to zero before these guys took TARP $. TARP money is expensive and will hold this MFSF stock down even longer. Sad thing is we may still lose our dividend. It is going to be hard to vote "for" board members of this bank. Many banks are giving back TARP money. What do they know that MFSF does not? Give back the TARP and cut the div to zero if you have to. Do a reverse split. Up your requirements on home loans. I did not get my first home till I was almost 30. Owning a house is not a right, it is a privilege. Noone "OWED" me a home then or now. It is not a "RIGHT".Hunker down a little MFSF and be a voice for freedom.