OMB Number 3235-0145
United States
Securities and Exchange Commission
Washington DC 20549

Schedule 13D/A   Amendment No. 2
Under the Securities and Exchange Act of 1934

Fremont General Corporation
Name of Issuer

common stock
Title of Class of Securities

CUSIP Number 357288109

Howard Amster, 23811 Chagrin Blvd., Suite 200
Beachwood, Ohio 44122-5525, 216 595-1047
(Name, Address and Telephone Number of Person Authorized
to Receive Notices and Communications)

February 2, 2007
(Date of Event which Requires Filing of this Statement)

If this 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 240.13d-1(e) (f) or (g), check the
following box / /.

Note:  Scheduled filed in paper format shall include a signed
original and five copies of the schedule including all exhibits.
See 240.13D-7 for other parties to who copies are to be sent.

*The remainder of this cover page shall be filled out for a reporting
person's initial filing on this form with respect to the subject to the
subject class of securities, and for any subsequent amendment containing
information which would alter disclosures provided in a prior cover page.

The information required on the remainder of this cover page shall not be
deemed to be "filed" for the purpose of Section 18 of the Securities
Exchange Act of 1934 ("Act") 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).



1	Name of Reporting Person	Howard Amster

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds		PF

5	Check if Disclosure

6	Citizenship			U.S.A.

Number of Shares	7	Sole Voting		2,334,750
Beneficially
Owned By Each	8	Shared Voting		4,658,550
Reporting Person
With			9	Sole Dispositive	2,334,750

			10	Shared Dispositive	4,658,550

11	Aggregate Amount Beneficially owned	4,889,000

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	  6.28	 %

14	Type of Reporting Person			IN


















1	Name of Reporting Person		Howard M Amster
						Charitable Remainder Unitrust

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds		AF

5	Check if Disclosure

6	Citizenship			U.S.A.

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		3,400
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	3,400

11	Aggregate Amount Beneficially owned	3,400

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)		0.00 %

14	Type of Reporting Person			OO

















1	Name of Reporting Person		Howard M Amster 2005
						Charitable Remainder Unitrust

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds		AF

5	Check if Disclosure

6	Citizenship			U.S.A.

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		104,900
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	104,900

11	Aggregate Amount Beneficially owned	104,900

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)		0.13 %

14	Type of Reporting Person			OO

















1	Name of Reporting Person		Howard Amster & Tamra F. Gould
						Charitable Remainder Unitrust

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds		AF

5	Check if Disclosure

6	Citizenship			U.S.A.

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		106,100
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	106,100

11	Aggregate Amount Beneficially owned	106,100

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)		0.13 %

14	Type of Reporting Person			OO

















1	Name of Reporting Person	Amster Limited Partnership

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds			WC

5	Check if Disclosure

6	Citizenship			USA

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		19,000
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	19,000

11	Aggregate Amount Beneficially owned	19,000

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	  0.02    %

14	Type of Reporting Person			PN


















1	Name of Reporting Person	Amster Trading Company

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds			WC

5	Check if Disclosure

6	Citizenship			USA

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		3,527,900
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	3,527,900

11	Aggregate Amount Beneficially owned	1,647,400

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	  2.12   %

14	Type of Reporting Person			CO


















1	Name of Reporting Person	Amster Trading Company
					Charitable Remainder Unitrusts

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds			AF

5	Check if Disclosure


6	Citizenship

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		1,880,500
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	1,880,500

11	Aggregate Amount Beneficially owned	1,880,500

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	 2.42   %

14	Type of Reporting Person			OO
















1	Name of Reporting Person	Tamra F. Gould

2	If a member group		a)	/    /
c)	/X/

3	SEC Use only

4	Source of Funds		PF

5	Check if Disclosure

6	Citizenship			U.S.A.

Number of Shares	7	Sole Voting		23,000
Beneficially
Owned By Each	8	Shared Voting		36,100
Reporting Person
With			9	Sole Dispositive	23,000

			10	Shared Dispositive	36,100

11	Aggregate Amount Beneficially owned	59,100

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	  0.08	 %

14	Type of Reporting Person			IN


















1	Name of Reporting Person	First Amended and Restated
         	  Declaration of Trust of Tamra F. Gould

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds			OO

5	Check if Disclosure

6	Citizenship				U.S.A.

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		4,100
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	4,100

11	Aggregate Amount Beneficially owned	4,100

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	 0.01    %

14	Type of Reporting Person			OO

















1	Name of Reporting Person	Gould Trading Company

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds			WC

5	Check if Disclosure

6	Citizenship			USA

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		32,000
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	32,000

11	Aggregate Amount Beneficially owned	32,000

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	  0.04   %

14	Type of Reporting Person			CO


















1	Name of Reporting Person	Samuel J Heller

2	If a member group		a)	/    /
d)	/X/

3	SEC Use only

4	Source of Funds		PF

5	Check if Disclosure

6	Citizenship			U.S.A.

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		9,400
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	9,400

11	Aggregate Amount Beneficially owned	9,400

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	  0.01	 %

14	Type of Reporting Person			IN


















1	Name of Reporting Person	Samuel J Heller Irrevocable Trust

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds			OO

5	Check if Disclosure

6	Citizenship				U.S.A.

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		9,400
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	9,400

11	Aggregate Amount Beneficially owned	9,400

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	 0.01   %

14	Type of Reporting Person			OO


















1	Name of Reporting Person	Let's Get Organized, Inc.

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds			WC

5	Check if Disclosure

6	Citizenship			USA

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		250
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	250

11	Aggregate Amount Beneficially owned	250

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	  0.00    %

14	Type of Reporting Person			CO



















1	Name of Reporting Person	newAX, Inc.

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds			WC

5	Check if Disclosure

6	Citizenship			USA

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		12,800
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	12,800

11	Aggregate Amount Beneficially owned	12,800

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	  0.02    %

14	Type of Reporting Person			CO

















1	Name of Reporting Person		Pleasant Lake Apts. Corp.

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds		WC

5	Check if Disclosure

6	Citizenship			U.S.A.

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		348,850
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	348,850

11	Aggregate Amount Beneficially owned	348,850

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	  0.44	 %

14	Type of Reporting Person			CO


















1	Name of Reporting Person		Pleasant Lake Apts. Ltd.
						Partnership

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds		00

5	Check if Disclosure

6	Citizenship			U.S.A.

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		345,400
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	345,400

11	Aggregate Amount Beneficially owned	345,400

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	  0.44  %

14	Type of Reporting Person			00

















1	Name of Reporting Person			Ramat Securities Ltd.

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds		WC

5	Check if Disclosure

6	Citizenship			U.S.A.

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		526,200
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	526,200

11	Aggregate Amount Beneficially owned	526,200

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	     0.68 %

14	Type of Reporting Person			BD


















1	Name of Reporting Person	Tova Financial, Inc.

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds			WC

5	Check if Disclosure

6	Citizenship			USA

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		21,550
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	21,550

11	Aggregate Amount Beneficially owned	  7,900

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	  0.01    %

14	Type of Reporting Person			CO


















1	Name of Reporting Person	Tova Financial, Inc. Charitable
					Remainder Unitrust

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds			AF

5	Check if Disclosure


6	Citizenship

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		13,650
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	13,650

11	Aggregate Amount Beneficially owned	13,650

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	 0.02    %

14	Type of Reporting Person			OO
















1	Name of Reporting Person			ZAK Group LLC

2	If a member group		a)	/    /
b)	/X/

3	SEC Use only

4	Source of Funds		WC

5	Check if Disclosure

6	Citizenship			U.S.A.

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		7,900
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	7,900

11	Aggregate Amount Beneficially owned	7,900

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	     0.01 %

14	Type of Reporting Person			OO


















1	Name of Reporting Person	David Zlatin

2	If a member group		a)	/    /
e)	/X/

3	SEC Use only

4	Source of Funds		PF

5	Check if Disclosure

6	Citizenship			U.S.A.

Number of Shares	7	Sole Voting		    3,441
Beneficially
Owned By Each	8	Shared Voting		557,900
Reporting Person
With			9	Sole Dispositive	    3,441

			10	Shared Dispositive	557,900

11	Aggregate Amount Beneficially owned	547,691

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	  0.70  %

14	Type of Reporting Person			IN


















1	Name of Reporting Person	David Zlatin and Gilda Zlatin JTWOS

2	If a member group		a)	/    /
f)	/X/

3	SEC Use only

4	Source of Funds		PF

5	Check if Disclosure

6	Citizenship			U.S.A.

Number of Shares	7	Sole Voting
Beneficially
Owned By Each	8	Shared Voting		23,550
Reporting Person
With			9	Sole Dispositive

			10	Shared Dispositive	23,550

11	Aggregate Amount Beneficially owned	 9,900

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	  0.01	 %

14	Type of Reporting Person			IN



















1	Name of Reporting Person	Gilda Zlatin

2	If a member group		a)	/    /
g)	/X/

3	SEC Use only

4	Source of Funds		PF

5	Check if Disclosure

6	Citizenship			U.S.A.

Number of Shares	7	Sole Voting		     905
Beneficially
Owned By Each	8	Shared Voting		23,550
Reporting Person
With			9	Sole Dispositive	    905

			10	Shared Dispositive     23,550

11	Aggregate Amount Beneficially owned        10,805

12	Check if Aggregate Amount (11) Excludes Certain Shares

13	Percent of Class Represented by amount in row (11)	  0.01  %

14	Type of Reporting Person			IN
















There are no changes to the Schedule 13D, as amended except
as set forth in this second amendment.

Item	2.	Identity and Background

The First Amended and Restated Declaration of Trust of
Tamra F. Gould replaced the Tamra F. Gould Investment
Trust.  The 4,100 Fremont General Corporation common
shares were transferred to this trust on 01/05/07.

The previous Tamra F. Gould Investment Trust, James
Loveman, its trustee no longer have any shared voting,
dispositive power and disclaim any beneficial ownership
of Fremont General Corporation and are no longer a member
of this Group.


First Amended and Restated Declaration of Trust of
Tamra F. Gould

First Amended and Restated Declaration of Trust of
Tamra F. Gould is funded by Tamra F. Gould.
The Trustee of this Trust distributes income and principal
as determined to Tamra F. Gould.  Because Tamra F. Gould
has the right to change, amend the Trust it can be deemed she
has shared voting, dispositive power and beneficial ownership
to any security in the Trust.

a)	First Amended and Restated Declaration
 	of Trust of Tamra F. Gould
b)	25812 Fairmount Blvd.
	Beachwood, OH 44122-2214

c)	Investment Trust

d)	Neither Tamra F. Gould as trustee or the Trust
have been convicted in any criminal proceedings (excluding
traffic violations or similar misdemeanors, if any) within the
last five years.

e)	Neither Tamra F. Gould as trustee or the Trust
have been a party to any civil proceedings of a judicial or
administrative body or competent jurisdictions of the type
described in Item 2 of Schedule 13D within the last five years.

f)	U.S.A.
For information purposes only

Ramat Securities Ltd. clients and employees own 157,900
common shares of Fremont General Corporation common
shares excluding various Amster, Gould, Zlatin member
group shares or 0.20 % of  Fremont General Corporation
common shares.

Clients and employees of Ramat Securities Ltd. excluding
various Amster, Gould, Zlatin member group shares do not
have ownership, no shared voting, no dispositive power no
pecuniary interest in any Fremont General Corporation
common shares held by this reporting group nor to any
other securities owned  directly or indirectly by the
reporting group.

Ramat Securities Ltd. has no ownership, no shared voting,
no dispositive, no pecuniary interest in Fremont General
Corporation common shares owned by its clients and
employees directly or indirectly excluding various Amster,
Gould, Zlatin member group shares.

Ramat Securities Ltd. has no ownership, no shared
voting, no dispositive, no pecuniary interest in  any
other securities owned by its clients or employees
directly or indirectly excluding Mr. Amster, Mr. Zlatin.


 Item 	3.	Source and Amount of Funds or Other Consideration

Howard Amster, in his personal and individual retirement accounts
purchased an additional 278,600 common shares with personal
funds without borrowing.  The total consideration for these
purchases is $ 3,942,567.54 bringing Howard Amster's total
investment to $ 44,468,091.62.

Howard M Amster 2005 Charitable Remainder Unitrust purchased
an additional 24,200 common shares with trust assets without
borrowing.  The total consideration for these purchases is
$  328,846.08 bringing Howard M Amster 2005 Charitable
Remainder Unitrust's total investment to $ 1,867,299.91.





Howard Amster and Tamra F. Gould Charitable Remainder
Unitrust purchased an additional 1,300 common shares with
trust assets without borrowing.  The total consideration for the
purchase for this purchase is $ 17,621.42 bringing Howard
Amster and Tamra F. Gould Charitable Remainder Unitrust's
total investment to $ 2,378,288.03.

Amster Ltd. Partnership purchased an additional 2,000 common
shares with partnership funds without borrowing.  The total
consideration for these purchases is $ 30,907.72 bringing
Amster Ltd. Partnership's total investment to $ 192,959.57.

Amster Trading Company purchased an additional 102,500
common shares with working capital without borrowing.  The
total consideration for these purchases is $ 1,729,789.25
bringing Amster Trading Company's total investment to
$ 32,051,603.44.

Amster Trading Company Charitable Remainder Unitrusts
purchased an additional 561,500 common shares with trust
assets without borrowing.  The total consideration for this
purchase is $ 9,092,070.91 bringing Amster Trading Company
Charitable Remainder Unitrusts's total investment to
$ 32,231,326.99.

Pleasant Lake Apts. Corp. purchased an additional 1,400
common shares with working capital without borrowing.
The total consideration for this purchase is $ 18,974.26.
bringing Pleasant Lake Apts. Corp.'s total investment to
$ 59,993.93.

Pleasant Lake Apts. Ltd. Partnership purchased an additional
60,400 common shares with partnership funds without
borrowing. The total consideration for these purchases is
$ 1,006,326.61 bringing Pleasant Lake Apts. Ltd. Partnership's
total investment to $ 5,833,185.72.

Ramat Securities Ltd. purchased an additional 115,900 common
shares with working capital without borrowing.  The total
consideration for these purchases is $ 1,665,326.03 bringing
Ramat Securities Ltd.'s total investment to $ 9,227,524.43.





Tova Financial, Inc. Charitable Remainder Unitrust purchased
an additional 1,147 common shares with trust assets
without borrowing.  The total consideration for the purchase
is $ 15,551.57 bringing Tova Financial, Inc. Charitable
Remainder Unitrust's total investment to $ 287,550.12.

David Zlatin, in his individual retirement account purchased
an additional 2,461 common shares with personal funds and
without borrowing.  The total consideration for the purchases
is $ 38,824.59 bringing David Zlatin's total investment to
$ 55,972.09.

Gilda Zlatin, in her individual retirement accounts purchased
an additional 215 common shares with personal funds and
without borrowing.  The total consideration for the purchases
is $ 2,947.60 bringing Gilda Zlatin's total investment to
$ 17,273.32.

Item	4.	Purpose of Transaction

The following acquired their shares or may deemed to
be a group for purposes of investment.

Howard Amster
Howard M Amster Charitable Remainder Unitrust
Howard M Amster 2005 Charitable Remainder Unitrust
Howard Amster and Tamra F Gould Charitable Remainder Unitrust
Amster Limited Partnership
Amster Trading Company
Amster Trading Company Charitable Remainder Unitrusts
Tamra F. Gould
First Amended and Restated Declaration of Trust of Tamra F. Gould
Gould Trading Company
Samuel J. Heller
Samuel J. Heller Irrevocable Trust
Let's Get Organized, Inc.
newAx, Inc.
Pleasant Lake Apts. Corp.
Pleasant Lake Apts. Ltd. Partnership
Ramat Securites Ltd.
Tova Financial, Inc.
Toval Financial Inc., Charitable Remainder Unitrust
Zak Group Ltd.
David Zlatin
David Zlatin and Gilda Zlatin as JTWROS
Gilda Zlatin
There are no present plans or proposals by this group of
record or the beneficial owners as reported in this Schedule 13D
amendment which relates to or would result in the following:

a.	The acquisition by any person of additional securities of the
issuer, or the disposition of securities of the issuer provided, however,
the reporting persons might acquire additional shares or other securities
of the issuer or dispose of some or all of their shares depending upon
market conditions and their personal circumstances;


Item	5.	Interest in Securities of the Issuer

The outstanding common shares of the Issuer is 77,862,000 shares
as of October 31, 2006 referenced in the 10-Q for period ending
September 30, 2006.

(a)(b)	The aggregate amount owned by this Reporting Group is
7,080,546 shares or 9.09 % of the outstanding shares.

Howard Amster in his name and individual retirement accounts
owns 2,334,750 shares or 3.0 % of the common outstanding shares.

Howard M Amster Charitable Remainder Unitrust owns
3,400 shares or 0.00 % of the common outstanding shares.

Howard M Amster 2005 Charitable Remainder Unitrust owns
104,900 shares or 0.13 % of the common outstanding shares.

Howard Amster and Tamra F. Gould  Charitable Remainder
Unitrust owns 106,100 shares or 0.13 % of the common
outstanding shares.

Amster Ltd. Partnership owns 11,100 common
shares or 0.02 % of the common outstanding shares

Amster Trading Company owns 1,647,400 shares or
2.12  % of the common outstanding shares.

Amster Trading Company Charitable Remainder Unitrusts
own 1,880,500 shares or 2.42 % of the common outstanding
shares.

Tamra F. Gould in her individual retirement account
owns 23,000 common shares or
0.03 % of the common outstanding shares.
First Amended and Restated Declaration of Trust of
Tamra F. Gould owns 4,100 or 0.01% of the common
outstanding shares.

Gould Trading Company owns 32,000 or 0.04 %
of the common outstanding shares.

Samuel J Heller Irrevocable trust owns 9,400 shares
or 0.01 % of the common outstanding shares.

Let's Get Organized Inc. owns 250 common shares or
0.00 % of the common outstanding shares.

newAx, Inc. owns 12,800 common shares or
0.02	 % of  the common outstanding shares.

Pleasant Lake Apts. Ltd. Corp. owns 3,450 common
shares or 0.0 % of the common outstanding shares.

Pleasant Lake Apts. Ltd. Partnership owns 345,400 common
shares or 0.44 % of the common outstanding shares.

Ramat Securities Ltd. owns 526,200 common shares or
0.68 % of the common outstanding shares.

Tova Financial, Inc. owns 7,900 common shares or
0.01 % of the common outstanding shares.

Tova Financial, Inc. Charitable Remainder Unitrust
owns 13,650 common shares or 0.02 % of the
common outstanding shares.

ZAK Group LLC owns 7,900 common shares or
0.01 % of the common outstanding shares.

David Zlatin owns 3,441 common shares or
0.0	% of  the common outstanding shares.

David Zlatin and Gilda Zlatin as JTROS own 2,000
common shares or 0.00 % of the common outstanding shares.

Gilda Zlatin owns 905 common shares or
0.00 % of the common outstanding shares.



c)	Description of Transactions

All purchases were executed on a listed stock exchange
as an open market transaction with Bear, Stearns Securities
Corp. as executing broker.


 
		

Identity		Date		Shares		Price
Howard Amster	02/02/07        159,600		14.10
and various		02/05/07	53,000		14.21
Individual		02/05/07	66,000		14.16
Retirement Accounts

Howard M Amster	01/23/07	  1,600		14.20
2005 Charitable	01/31/07	22,600		13.53
Remainder Unitrust

Howard Amster	01/31/07	  1,300		13.53
and Tamra F. Gould
Charitable Remainder
Unitrust

Amster Ltd.		12/28/06	  1,200		16.68
Partnership		01/31/07	     800		13.53

Amster Trading	11/22/06        102,500		16.86
Company

Amster Trading	11/28/06        106,000		16.88
Company Charitable	11/29/06        127,200		17.09
Remainder Unitrusts	11/30/06        151,600		17.08
			12/01/06	37,100		16.91
			01/23/07	23,200		14.20
			01/31/07        116,400		13.53

Pleasant Lake		01/31/07	  1,400		13.53
Apts. Ltd. Corp.

Pleasant Lake		11/22/06	56,500		16.86
Apts. Ltd.		01/31/07	  3,900		13.53
Partnership


Ramat Securities 	11/30/06	  2,900		17.08
Ltd.			12/05/06	  2,000		17.17
			12/07/06	  1,800		16.76
			12/18/06	  4,200		16.86
			02/02/07        105,000		14.10

Tova Financial, Inc.	01/31/07	  1,147		13.53
Charitable Remainder
Unitrust

David Zlatin		12/11/06	  2,000		16.24
in his individual	01/31/07	     461		13.53
retirement accounts

Gilda Zlatin		01/31/07	     215		13.53
in her individual
retirement accounts




Signature	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.

Date:		February 5, 2007



/s/
Howard Amster



/s/
Howard M Amster Charitable Remainder Unitrust
By:	Howard Amster
Title:	Trustee



/s/
Howard M Amster 2005 Charitable Remainder Unitrust
By:	Howard Amster
Title:	Trustee





/s/
Howard Amster & Tamra F. Gould Charitable Remainder Unitrust
By:	Howard Amster
Title:	Trustee



/s/
Amster Limited Partnership
By:	Howard Amster
Title:	General Partner



/s/
Amster Trading Company
By:	Howard Amster
Title:	President



/s/
Amster Trading Company Charitable Remainder Unitrusts
By:	Howard Amster
Title:	Trustee



/s/
Tamra F. Gould



/s/
First Amended and Restated Declaration
Of Trust of Tamra F. Gould
By:	Tamra F. Gould
Title:	Trustee








/s/
Gould Trading Company
By:	Tamra F. Gould
Title:	President



/s/
Samuel J Heller



/s/
Samuel J Heller Irrevocable Trust
By:	Howard Amster
Title:	Trustee



/s/
Let's Get Organized, Inc.
By:	David Zlatin
Title:	President



/s/
newAx, Inc.
By:	John C. Loring
Title:	Chairman, President and CEO



/s/
Pleasant Lake Apts. Corp.
By:	Howard Amster
Title:	President









/s/
Pleasant Lake Apts. Ltd. Partnership
By:	Pleasant Lake Apts. Corp., Howard Amster, President
Title:	Its General Partner



/s/
Ramat Securities Ltd.
By:	David Zlatin
Title:	Principal



/s/
Tova Financial, Inc.
By:	David Zlatin
Title:	President



/s/
Tova Financial , Inc. Charitable Remainder Unitrust
By:	David Zlatin & Gilda Zlatin
Title:	Co-trustees



/s/
Zak Group LLC
By:	David Zlatin
Title:	Member



/s/
David Zlatin









/s/                         /s/
David Zlatin and Gilda Zlatin as JTWROS



/s/
Gilda Zlatin