Market Returns: Second Quarter & Year to Date, 1995

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Trading $ Chg. % Chg. $ Chg. % Chg.

Value From From From From Top 225 Banks at 6/30 3/31 3/31 12/31 12/31 1st Source Corp. $29.25 $2.00 7.30% $4.01 15.90% Allied Bankshares Inc. 11.13 0.13 1.1 1.38 14.1 AMCORE Fin'l Inc. 18.5 -0.75 -3.9 -0.25 -1.3 AmSouth Bancorp. 32.63 1.13 3.6 6.88 26.7 ArgentBank 38.25 10.5 37.8 12.25 47.1 Arrow Fin'l Corp. $15.50 ($0.38) -2.40% ($0.25) -1.60% Associated Banc-Corp. 30.38 1.48 5.1 1.98 7 B.M.J. Fin'l Corp. 13.13 0.13 1 2.13 19.3 Banc One Corp. 32.25 3.75 13.2 6.88 27.1 BancFirst Corp. 15.25 -0.25 -1.6 0.5 3.4 Bancorp Hawaii Inc. $30.00 $1.63 5.70% $4.53 17.80% BancorpSouth Inc. 38.75 3.75 10.7 5.25 15.7 Bank of Boston Corp. 37.5 7.63 25.5 11.63 44.9 Bank of Granite Corp. 27 2 8 2 8 Bank of New Hampshire Corp. 26.5 0 0 4.25 19.1 Bank of New York Co. $40.38 $7.38 22.30% $10.61 35.60% Bank South Corp. 22.25 3.38 17.9 4.5 25.4 BankAmerica Corp. 52.63 4.38 9.1 13.13 33.2 Bankers Trust New York Corp. 62 9.75 18.7 6.63 12 Banknorth Group Inc. 26.88 3.38 14.4 4.88 22.2 BanPonce Corp. $35.50 $4.00 12.70% $7.38 26.20% Barnett Banks Inc. 51.38 5.88 12.9 12.88 33.4 BayBanks Inc. 79.25 14.75 22.9 26.5 50.2 Boatmen's Bancshares Inc. 35.25 5 16.5 8.13 30 BOK Fin'l Corp. 22.38 0.38 1.7 0.38 1.7 Brenton Banks Inc. $17.88 ($0.13) -0.70% ($0.38) -2.10% BT Fin'l Corp. 31.5 2.5 8.6 4.88 18.3 California Bancshares 21 4 23.5 3.75 21.7 Capital Bancorp 30 5.25 21.2 8.5 39.5 Cathay Bancorp 11.25 -1.75 -13.5 -2.25 -16.7 CB Bancshares Inc. $30.50 $0.50 1.70% $1.00 3.40% CBT Corp. 20.25 -3 -12.9 -0.75 -3.6 CCB Fin'l Corp. 41.75 3.25 8.4 7 20.1 Central Fidelity Banks Inc. 30.5 4.38 16.7 6.25 25.8 Centura Banks Inc. 27.88 2.63 10.4 3.5 14.4 Charter Bancshares $16.00 $1.00 6.70% $2.00 14.30% Chase Manhattan Corp. 47 11.38 31.9 12.63 36.7 Chemical Banking Corp. 47.25 9.5 25.2 11.38 31.7 Chemical Fin'l Corp. 30.5 0.75 2.5 2.17 7.6 Chittenden Corp. 21.75 2.95 15.7 5.15 31 Citicorp $57.88 $15.25 35.80% $16.50 39.90% Citizens Bancorp 29.25 3.75 14.7 2.5 9.3 Citizens Bancshares 35.75 0.75 2.1 -0.25 -0.7 Citizens Banking Corp. 29.75 3.25 12.3 2 7.2 City Holding Co. 26.5 0 0 -2.5 -8.6 City Nat'l Corp. $11.38 $0.75 7.10% $0.75 7.10% CNB Bancshares Inc. 30 0.25 0.8 0.38 1.3 Cole Taylor Fin'l Group 17 -1.75 -9.3 -4 -19 Colonial BancGroup Inc. 27.5 4.38 18.9 7.75 39.2 Comerica Inc. 32.13 4.63 16.8 7.75 31.8 Commerce Bancorp $19.38 $2.38 14.00% $0.38 2.00% Commerce Bancshares Inc. 31.5 0.75 2.4 4.5 16.7 Community First Bankshares 17 1.5 9.7 3.75 28.3 Compass Bancshares Inc. 28.88 2.75 10.5 6.88 31.3 CoreStates Fin'l Corp. 34.63 2.63 8.2 8.63 33.2 CPB Inc. $25.50 $2.00 8.50% ($0.50) -1.90% Crestar Fin'l Corp. 49 5 11.4 11.38 30.2 Cullen/Frost Bankers Inc. 40.5 4.75 13.3 9.63 31.2 CVB Fin'l Corp. 12.75 -0.5 -3.8 -1.8 -12.3 Dauphin Deposit Corp. 24.25 1 4.3 0.63 2.6 Deposit Guaranty Corp. $39.00 $5.00 14.70% $8.88 29.50% Evergreen Bancorp 18.25 1.75 10.6 3 19.7 F & M Nat'l Corp. 16.5 0.13 0.8 0.63 3.9 F&M Bancorp (Md.) 25.75 -3 -10.4 -4 -13.4 F&M Bancorp (Wisc.) 20.5 0 0 -1.5 -6.8 Farmers Capital Bank Corp. $32.50 ($3.50) -9.70% ($5.25) -13.90% Fifth Third Bancorp 56.25 4.5 8.7 8.25 17.2 Fin'l Trust Corp. 28 0.5 1.8 -0.75 -2.6 First American Corp. 35.88 2.38 7.1 9 33.5 First Bank System Inc. 41 0.63 1.5 7.75 23.3 First Charter Corp. $19.25 $4.00 26.20% $4.63 31.60% First Chicago Corp. 59.88 9.75 19.4 12.13 25.4 First Citizens BancShares Inc. 49.5 4.5 10 6 13.8 First Commerce Bancshares 18 1.5 9.1 1.5 9.1 First Commerce Corp. 29.5 4.5 18 7.5 34.1 First Commercial Corp. $25.50 $1.13 4.60% $2.56 11.20% First Commonwealth Fin'l 15.13 1.25 9 1.63 12 First Empire State Corp. 171.5 0.5 0.3 35.5 26.1 First Fidelity Bancorp. 59 9.5 19.2 14.13 31.5 First Fin'l Bancorp 34 -0.25 -0.7 0.25 0.7 First Fin'l Bankshares $32.50 $5.00 18.20% $5.75 21.50% First Fin'l Corp. 30 1.19 4.1 0.95 3.3 First Hawaiian Inc. 26.75 2.25 9.2 3 12.6 First Interstate Bancorp 80.25 1.25 1.6 12.63 18.7 First Merchants Corp. 34.13 2.13 6.6 1.63 5 First Michigan Bank Corp. $24.75 $1.42 6.10% $2.37 10.60% First Midwest Bancorp 24.69 0.44 1.8 0.69 2.9 First Nat'l Bancorp 21.5 1 4.9 2.5 13.2 First of America Bank Corp. 37.13 3.5 10.4 7.13 23.8 First Security Corp. 28 4 16.7 5.25 23.1 First Tennessee Nat'l Corp. $46.38 $4.63 11.10% $5.63 13.80% First Union Corp. 45.25 1.88 4.3 3.88 9.4 First United Bancshares Inc. 36 2 5.9 5.75 19 First United Corp. 15.13 -3.63 -19.3 -5.88 -28 First Virginia Banks Inc. 37.5 2.75 7.9 5.5 17.2 First Western Bancorp $28.38 $1.13 4.10% $0.38 1.30% Firstar Corp. 33.63 4.13 14 6.75 25.1 Firstbank of Illinois Co. 27 0 0 1.17 4.5 FirstBank Puerto Rico 18 5.42 43.1 6.33 54.3 FirsTier Fin'l Inc. 36.75 3.25 9.7 5.13 16.2 FirstMerit Corp. $26.50 $3.00 12.80% $1.75 7.10% Fleet Fin'l Group 37.13 4.75 14.7 4.75 14.7 FNB Corp. 18 1.81 11.2 3 20 Fort Wayne Nat'l Corp. 27.75 1.88 7.2 1.75 6.7 Fourth Fin'l Corp. 33.5 1 3.1 2.5 8.1 Fulton Fin'l Corp. $18.25 ($0.39) -2.10% $0.52 3.00% Hancock Holding Co. 30.75 0.5 1.7 0.75 2.5 Harleysville Nat'l Corp. 26.88 1.88 7.5 -1.13 -4 Hawkeye Bancorp. 22 1.5 7.3 2.75 14.3 Heritage Fin'l Services 17.25 0 0 0.75 4.5 Hibernia Corp. $8.88 $1.13 14.50% $1.13 14.50% Homeland Bankshares Corp. 24 0.56 2.4 0.75 3.2 Horizon Bancorp 31 3 10.7 2.38 8.3 Hubco Inc. 17.88 2 12.6 3.13 21.2 Huntington Bancshares Inc. 20.75 2.5 13.7 3.5 20.3 Imperial Bancorp $19.25 $2.50 14.90% $7.23 60.10% Independent Bank Corp. 6.94 0.56 8.8 1.69 32.2 Integra Fin'l Corp. 48.63 5.63 13.1 7.5 18.2 Intercontinental Bank 28.63 6.13 27.2 10.38 56.8 Irwin Fin'l Corp. 34.5 3.5 11.3 7.75 29 J.P. Morgan & Co. Inc. $70.13 $9.13 15.00% $14.00 24.90% Jefferson Bankshares Inc. 21 1.75 9.1 1.25 6.3 KeyCorp 31.38 3.13 11.1 6.38 25.5 Keystone Fin'l Inc. 28.19 0.69 2.5 -2.06 -6.8 Lafayette American Bank 8.31 0.56 7.3 2.69 47.8 Liberty Bancorp $32.25 $2.00 6.60% $3.25 11.20% Magna Group Inc. 22 2 10 4.5 25.7 Mark Twain Bancshares Inc. 32.25 2.5 8.4 5 18.3 Marshall & Ilsley Corp. 22.63 1.63 7.7 3.63 19.1 Mellon Bank Corp. 41.63 0.88 2.1 11 35.9 Mercantile Bancorp $44.88 $8.38 22.90% $13.63 43.60% Mercantile Bankshares Corp. 22.5 0.38 1.7 2.88 14.6 Merchants New York Bancorp 51.5 0.5 1 0.5 1 Meridian Bancorp 34.38 3.75 12.2 7.75 29.1 Metrobank 23.75 6.63 38.7 6.63 38.7 Michigan Fin'l Corp. $21.75 $2.25 11.50% $2.75 14.50% Michigan Nat'l Corp. 106.38 2.63 2.5 31.63 42.3 Mid Am Inc. 15.25 2.07 15.7 1.73 12.8 Mid-America Bancorp 16.88 0.88 5.5 -0.13 -0.7 Midlantic Corp. 40 5.75 16.8 13.5 50.9 Mississippi Valley Bancshares $22.00 $4.25 23.90% $5.00 29.40% Nat'l Bancorp of Alaska 51 0.5 1 0 0 Nat'l City Bancorp. 15.25 0.48 3.2 2.52 19.8 Nat'l City Bancshares Inc. 42 -0.5 -1.2 -4.25 -9.2 Nat'l City Corp. 29.38 2.75 10.3 3.5 13.5 Nat'l Commerce Bancorp. $25.25 $0.88 3.60% $2.50 11.00% Nat'l Penn Bancshares Inc. 26 1.75 7.2 1 4 NationsBank Corp. 53.63 2.88 5.7 8.5 18.8 NBD Bancorp 32 -0.5 -1.5 4.63 16.9 NBT Bancorp 16.25 0.25 1.6 -0.25 -1.5 North Fork Bancorp. $18.13 $2.13 13.30% $4.38 31.80% Northern Trust Corp. 40.25 5.13 14.6 5.25 15 Norwest Corp. 28.75 3.38 13.3 5.38 23 Old Kent Fin'l Corp. 34 2.5 7.9 3.75 12.4 Old Nat'l Bancorp 34.38 -0.38 -1.1 -0.39 -1.1 Omega Fin'l Corp. $26.50 $0.75 2.90% $0.50 1.90% ONBANCorp Inc. 28.38 2.88 11.3 5.13 22 One Valley Bancorp of WV Inc. 30.88 1.75 6 2.63 9.3 Park Nat'l Corp. 48.63 4.88 11.1 6.13 14.4 Peoples First Corp. 18.5 1.6 9.4 -0.07 -0.4 Peoples Holding Co. (The) $41.13 $3.88 10.40% $2.13 5.40% Piedmont BankGroup Inc. 25.06 2.56 11.4 6.31 33.7 Pikeville Nat'l Corp. 20.75 -1.75 -7.8 -5.5 -21 Pinnacle Banc Group Inc. 31.75 1.75 5.8 1.25 4.1 PNC Bank Corp. 26.38 2 8.2 5.25 24.9 Premier Bancorp $18.00 $1.63 9.90% $2.13 13.40% Premier Bankshares Corp. 17.13 0.63 3.8 0.63 3.8 Provident Bancorp 34.63 3.88 12.6 0.63 1.8 Provident Bankshares Corp. 26.38 3.76 16.6 5.66 27.3 Putnam Trust Co. of Greenwich 52 11.13 27.2 26 100 Regions Fin'l Corp. $37.13 $0.63 1.70% $6.13 19.80% Republic Bancorp 11.88 0.88 8 2 20.3 Republic New York Corp. 56 6.88 14 10.75 23.8 Riggs Nat'l Corp. 9.88 0.63 6.8 1.5 17.9 River Forest Bancorp 40.5 7.5 22.7 7.75 23.7 S&T Bancorp $23.75 $3.75 18.80% $3.25 15.90% Shawmut Nat'l Corp. 31.88 5.5 20.9 15.5 94.7 Shoreline Fin'l Corp. 17.5 -0.36 -2 1.31 8.1 Signet Banking Corp. 21.88 1.5 7.4 -6.75 -23.6 Silicon Valley Bancshares 18 3.5 24.1 4.5 33.3 Simmons First Nat'l Corp. $27.00 $1.50 5.90% $4.00 17.40% Southern Nat'l Corp. 24 4.13 20.8 4.88 25.5 SouthTrust Corp. 23.13 2.13 10.1 5.13 28.5 Southwest Nat'l Corp. 26.75 -0.5 -1.8 3.25 13.8 Star Banc Corp. 46 4.13 9.9 9.63 26.5 State Street Boston Corp. $36.88 $5.00 15.70% $8.25 28.80% Suffolk Bancorp 33.25 5.38 19.3 7.25 27.9 Sumitomo Bank of California 24.25 0.63 2.6 1.75 7.8 Summit Bancorp. 21.25 2.5 13.3 1.88 9.7 SunTrust Banks Inc. 58.25 4.75 8.9 10.5 22 Susquehanna Bancshares Inc. $23.50 $0.00 0.00% $1.25 5.60% Synovus Fin'l Corp. 22.75 3.25 16.7 4.63 25.5 Texas Regional Bancshares Inc 14 1.5 12 1.5 12 Tompkins County Trust Co. 34.25 1.25 3.8 -2.75 -7.4 Trans Fin'l Inc. 15.25 1.13 8 2.25 17.3 Triangle Bancorp $10.00 $0.00 0.00% $0.00 0.00% Trust Co. of New Jersey 13.38 0.38 2.9 0.13 0.9 TrustCo Bank Corp.NY 21.75 1 4.8 1.5 7.4 Trustmark Corp. 17.63 2.38 15.6 0.13 0.7 U.S. Bancorp 24.06 -1.94 -7.5 1.44 6.4 U.S. Trust Corp. $72.00 $2.88 4.20% $8.50 13.40% UJB Fin'l Corp. 30.38 2.88 10.5 6.25 25.9 UMB Fin'l Corp. 36.5 6.5 21.7 5.25 16.8 Union Bank 42.25 7.75 22.5 15.5 57.9 Union Bankshares Corp. 25.5 1 4.1 1.5 6.3 Union Planters Corp. $26.75 $3.63 15.70% $5.88 28.10% United Bankshares Inc. 26.25 0.5 1.9 2.25 9.4 United Carolina Bancshares 30.75 1.75 6 5.75 23 United Counties Bancorp. 162 38 30.6 56.5 53.6 United Nat'l Bancorp 32 -0.5 -1.5 -1.75 -5.2 USBANCORP Inc. $23.50 $2.75 13.30% $2.50 11.90% UST Corp. 13.25 2.5 23.3 3 29.3 Valley Nat'l Bancorp 24.13 -0.28 -1.1 -1.59 -6.2 ValliCorp Holdings 16 1.5 10.3 0.25 1.6 Vermont Fin'l Services Corp. 27.25 5 22.5 6.5 31.3 Victoria Bankshares Inc. $25.75 ($0.25) -1.00% $4.00 18.40% Wachovia Corp. 35.75 0.25 0.7 3.5 10.9 Wells Fargo & Co. 180.25 23.88 15.3 35.25 24.3 WesBanco Inc. 25.75 0.75 3 1.5 6.2 West One Bancorp 33.38 6.13 22.5 6.88 25.9 Westamerica Bancorp. $37.00 $3.75 11.30% $7.25 24.40% Western Bank 11.75 -2.13 -15.3 -0.4 -3.3 Whitney Holding Corp. 26.75 2 8.1 5 23 Wilmington Trust Corp. 28.25 4 16.5 5.5 24.2 Zions Bancorp. 50 12.25 32.5 14.13 39.4 Weighted* Average % Return 12.40% 24.00%

Trading $ Chg. % Chg. $ Chg. % Chg.

Value From From From From Top 25 Thrifts at 6/30 3/31 3/31 12/31 12/31 Ahmanson & Co. (H.F.) $22.00 $4.00 22.20% $5.88 36.40% Astoria Fin'l Corp. 35.75 5 16.3 9.5 36.2 Brooklyn Bancorp 33.75 1.5 4.7 3.5 11.6 California Federal Bank 13.13 2.5 23.5 2.25 20.7 Charter One Fin'l 24.5 4.25 21 5.5 28.9 Coast Savings Fin'l $20.63 $4.50 27.90% $6.00 41.00% Collective Bancorp 20.25 2.13 11.7 3.25 19.1 Dime Bancorp 10 1.13 12.7 2.25 29 First Fin'l Corp. 17.5 1.88 12 3.75 27.3 FirstFed Michigan Corp. 28 3.75 15.5 7.5 36.6 Glendale Federal Bank $12.50 $2.38 23.50% $2.88 29.90% Golden West Fin'l 47.13 8.88 23.2 11.88 33.7 Great Western Fin'l 20.63 2 10.7 4.63 28.9 GreenPoint Fin'l Corp. 23.63 0.5 2.2 3 14.5 Long Island Bancorp 19 1.5 8.6 4.38 29.9 People's Bank MHC $16.50 $1.63 10.90% $4.63 38.90% Roosevelt Fin'l Group 16.69 0.94 6 1.69 11.3 Security Capital Corp. 49 1.5 3.2 6.5 15.3 Sovereign Bancorp 9.63 0.63 6.9 2.24 30.4 St. Paul Bancorp 22.38 0.88 4.1 4.88 27.9 Standard Federal Bancorp. $33.63 $6.75 25.10% $9.75 40.80% TCF Fin'l Corp. 47.5 4.38 10.1 6.25 15.2 Washington Federal Inc. 22 2 10 4.63 26.6 Washington Mutual Inc. 23.5 3.44 17.1 6.63 39.3 Westcorp 15.63 4.63 42 6.94 79.8 Weighted* Average % Return 15.20% 30.50%

Trading $ Chg. % Chg. $ Chg. % Chg. Specialty Value From From From From Finance Cos. at 6/30 3/31 3/31 12/31 12/31 ADVANTA Corp. $41.75 $8.25 24.60% $15.50 59.00% American Express Co. 35.25 0.38 1.1 5.75 19.5 AT&T Capital Corp. 26.75 1 3.9 5.38 25.1 Beneficial Corp. 44 4.75 12.1 5 12.8 Capital One Fin'l Corp. 19.63 0.5 2.6 3.63 22.7 Countrywide Credit Industries $21.00 $4.75 29.20% $6.75 47.40% Credit Acceptance Corp. 20.5 -1.5 -6.8 2.75 15.5 Dean Witter Discover & Co. 47 6.25 15.3 13.13 38.7 Fannie Mae 94.5 13.13 16.1 21.63 29.7 FINOVA Group Inc. 35 2 6.1 3.25 10.2 First USA Inc. $44.38 $2.38 5.70% $11.50 35.00% Freddie Mac 68.75 8.25 13.6 18.25 36.1 Fund American Enterprise 71.38 -0.75 -1 -0.88 -1.2 Green Tree Fin'l Corp. 44.38 3.88 9.6 14 46.1 Household InterNat'l Inc. 49.5 6 13.8 12.38 33.3 MBNA Corp. $33.75 $4.75 16.40% $10.38 44.40% Mercury Finance Co. 19.25 3.25 20.3 6.25 48.1 Money Store Inc. 35.88 10.75 42.8 17.38 93.9 North American Mortgage Co. 23.25 5.75 32.9 8.5 57.6 Resource Bancshares Mrtg 12.75 2.27 21.7 2.25 21.4 Sallie Mae $46.88 $11.88 33.90% $14.38 44.20% World Acceptance Corp. 33.5 7.38 28.2 10 42.6 Weighted* Average % Return 12.20% 32.50% === * Weighted by shares outstanding at 3/31 Data source: SNL Securities, Charlottesville, Va. Compiled by American Banker.