Bank Equities Short Interest: National Association of Securities Dealers Inc.

+++ Set 1 of 2

Shares Sold Unit Chng Pct Chng

Short as of from from Institution 7/14/95 6/15/95 6/15/95 Aames Financial Corp. 39,672 -99,465 -71.5 ADVANTA Corp. Class A 1,225,396 213,123 21.1 ADVANTA Corp. Class B 47,116 -37,430 -44.3 ALBANK Financial Corp. 86,945 14,224 19.6 Allstate Financial Corp. 74,500 -50,000 -40.2 Ameriana Bancorp 55,497 9,447 20.5 American Federal Bank 3,201 -8,423 -72.5 AMFED Financial Inc. 10,224 8,495 491.3 Anchor BanCorp Wisconsin 15,905 -10,124 -38.9 Arrow Financial Corp. 20,699 6,221 43 Astoria Financial Corp. 235,551 5,356 2.3 Avondale Financial Corp. 10,552 9,649 1,068.50 BancorpSouth Inc. 20,032 -1,948 -8.9 Bank of Granite Corp. 31,343 -527 -1.7 Bank South Corp. 898,198 -190,010 -17.5 BankAtlantic Bancorp 34,324 19,413 130.2 Bankers Corp. 116,934 3,648 3.2 Bankers First Corp. 8,534 -16,913 -66.5 Bay Ridge Bancorp 15,050 428 2.9 BayBanks Inc. 558,677 -182,890 -24.7 Bell Bancorp 78,653 -29,005 -26.9 Boatmen's Bancshares Inc. 1,891,619 278,144 17.2 BOK Financial Corp. 10,014 11 - Boston Bancorp (The) 39,600 5,493 16.1 Broad National Bancorp. 18,437 -96,452 -84 Brooklyn Bancorp 120,125 25,161 26.5 California Bancshares 82,435 3,256 4.1 Cameron Financial Corp. 10,898 7,375 209.3 Capital Bancorp. 4,502 -11,786 -72.4 Capitol Bancorp Ltd. 393 -14,496 -97.4 Carolina First Corp. 100,547 17,641 21.3 CBT Corp. 31,583 8,383 36.1 CCB Financial Corp. 58,845 2,526 4.5 CENFED Financial Corp. 68,996 -9,250 -11.8 CENIT Bancorp 25,562 -2,064 -7.5 Central Fidelity Banks Inc. 87,201 3,999 4.8 Central Jersey Financial 11,613 0 - Charter One Financial 2,158,160 382,176 21.5 Chittenden Corp. 9,693 -1,693 -14.9 CitFed Bancorp 203,487 93,501 85 Citizens Bancorp 12,658 -8,059 -38.9 CNB Bancshares Inc. 259,286 48,278 22.9 Cole Taylor Financial Group 11,487 4,211 57.9 Collective Bancorp 58,909 -62,980 -51.7 Columbia First Bank 49,621 769 1.6 Commerce Bancshares Inc. 74,563 2,344 3.2 Commercial Federal Corp. 337,126 -169,408 -33.4 Compass Bancshares Inc. 52,302 35,275 207.2 Conestoga Bancorp 21,877 21,238 3,323.60 Consumer Portfolio Services 158,161 8,315 5.5 Credit Acceptance Corp. 276,683 -16,966 -5.8 CSF Holdings Inc. (S,R) 10,751 -4,150 -27.9 Cullen/Frost Bankers Inc. 155,265 16,846 12.2 Dauphin Deposit Corp. 31,610 8,301 35.6 Deposit Guaranty Corp. 58,470 8,880 17.9 DS Bancor 1,756 -10,508 -85.7 Eagle Finance Corp. 33,435 -7,400 -18.1 EZCORP 384,823 -32,155 -7.7 F&M Bancorp 21,129 -3,298 -13.5 FFY Financial Corp. 9,732 -54,232 -84.8 Fidelity Federal Bancorp 20,170 -817 -3.9 Fidelity Southern Corp. 29,642 28,817 3,493.00 Fifth Third Bancorp 577,401 128,253 28.6 Financing for Science Int'l 17,716 4,500 34 First American Corp. 56,819 371 - First Cash Inc. 3,871 -23,350 -85.8 First Commerce Corp. 1,763,252 190,890 12.1 First Commercial Bancorp 22,764 -1,258 -5.2 First Commercial Corp. 202,007 27,403 15.7 First Essex Bancorp 10,318 6,826 195.5 First Federal Financial Svcs 2,202 -20,590 -90.3 First Federal of East Hartford 39,889 30,118 308.2 First Federal Savings Bank of Colorado 14,020 -177 -1.2 First Financial Bancorp 35,670 3,537 11 First Financial Corp. 69,640 1,995 2.9 First Financial W. Maryland 19,610 2,720 16.1 First Indiana Corp. 3,743 -7,690 -67.3 First Keystone Financial 1,090 -10,350 -90.5 First Liberty Financial Corp. 14,402 -37,167 -72.1 First Merchants Acceptance 38,533 9,432 32.4 First Michigan Bank Corp. 34,085 801 2.4 First Midwest Bancorp 88,361 36,589 70.7 First Midwest Financial Inc. 16,412 4,621 39.2 First National Bancorp 132,195 -376,743 -74 First Oak Brook Bancshares 16,052 4,302 36.6 First Palm Beach Bancorp 80,483 46,802 139 First Security Corp. 89,003 41,345 86.8 First Tennessee National Corp. 1,222,527 193,111 18.8 FirstFed Michigan Corp. 30,410 -8,603 -22.1 FirsTier Financial Inc. 4,074 -6,199 -60.3 FirstMerit Corp. 19,914 10,709 116.3 FNB Corp. 187,743 -298 - Fourth Financial Corp. 462,402 12,008 2.7 Framingham Savings Bank 46,847 -5,862 -11.1 Great Country Bank 11,257 10,706 1,943.00 Great Financial Corp. 193,844 -17,865 -8.4 Great Southern Bancorp 35,344 5,218 17.3 Greater New York Savings Bank 39,008 -58,274 -59.9 GreenPoint Financial Corp. 306,670 112,666 58.1 Haven Bancorp 67,614 60,251 818.3 Hawkeye Bancorp. 10,979 575 5.5 Hawthorne Financial Corp. 27,387 1,944 7.6 HF Financial Corp. 17,836 5,696 46.9 Home Federal Corp. 440 -21,360 -98 Home Financial Corp. 154,749 3,042 2 Hubco Inc. 92,889 -22,553 -19.5 Huntington Bancshares Inc. (S,R) 967,347 -31,532 -3.2 IBS Financial Corp. 120,874 78,810 187.4 Imperial Bancorp 76,937 40,521 111.3 Imperial Credit Industries 40,886 -67,610 -62.3 Irwin Financial Corp. 19,534 -9,272 -32.2 ISB Financial Corp. 68,332 52,959 344.5 JeffBanks Inc. 15,042 2,530 20.2 Jefferson Bankshares Inc. 3,721 -34,344 -90.2 JSB Financial Inc. 21,284 4,975 30.5 Keystone Financial Inc. 69,266 -14,749 -17.6 Lafayette American Bank 4,372 -10,335 -70.3 Lawrence Savings Bank 7,429 -5,485 -42.5 Leader Financial Corp. 49,284 46,857 1,930.70 Liberty Bancorp 10,662 4,259 66.5 Life Bancorp 161,533 11,656 7.8 Long Island Bancorp 81,501 -88,100 -51.9 Loyola Capital Corp. 2,273 -84,922 -97.4 Magna Group Inc. 142,123 59,871 72.8 Mark Twain Bancshares Inc. 43,919 5,872 15.4 Marshall & Ilsley Corp. 584,208 -9,380 -1.6 Mercantile Bankshares Corp. 49,038 18,903 62.7 Meridian Bancorp 1,599,940 410,950 34.6 Michigan National Corp. 13,259 -58,096 -81.4 Mid Am Inc. 241,500 117,797 95.2 Mid Continent Bancshares Inc. 236 -18,991 -98.8 Midlantic Corp. 224,895 -347,995 -60.7 Mississippi Valley Bancshares 19,273 12,525 185.6 MLF Bancorp 26,872 -70,651 -72.4 Money Store Inc. 70,731 -30,127 -29.9 Monterey Bay Bancorp None -17,683 Clear Mountain Parks Financial Corp. 12,341 9,657 359.8 Mutual Savings Bank 141,567 -242,313 -63.1 N.S. Bancorp 105,328 -6,874 -6.1 National Commerce Bancorp. 78,170 481 - Northern Trust Corp. 503,052 16,670 3.4 Northwest Savings Bank 10,875 -1,641 -13.1 Old Kent Financial Corp. 34,908 -6,811 -16.3 Old National Bancorp 400,791 473 - Olympic Financial Ltd. 3,304,682 168,393 5.4 ONBancorp 196,020 7,961 4.2 Pacific Crest Capital 32,374 -135 - Palfed Inc. 4,175 -13,333 -76.2 Pamrapo Bancorp 48,717 36,681 304.8 PennFed Financial ServicesInc 22,668 21,326 1,589.10 People's Bank 578,507 27,824 5.1 People's Savings of Brockton 10,605 4,140 64 Peoples Heritage Fin'l Group 413,079 -3,697 - Piedmont BankGroup Inc. 42,318 -1,249 -2.9 Poughkeepsie Savings Bank 24,752 -240,485 -90.7 Premier Bancorp 41,465 -15,041 -26.6 Progressive Bank Inc. 10,273 10,131 7,134.50 Putnam Trust Co. of Greenwich 28,431 0 - QCF Bancorp 12,986 12,136 1,427.80 Quaker City Bancorp 89,118 14,900 20.1 Queens County Bancorp 474 -9,594 -95.3 Regional Acceptance (S,R) 599,907 -74,703 -11.1 Regions Financial Corp. 338,052 29,008 9.4 Reliance Bancorp 21,811 14,566 201 Republic Bancorp 60,004 -27,680 -31.6 Republic Security Financial 35,758 872 2.5 Riggs National Corp. 102,539 -2,639 -2.5 Rochester Community 1,612,294 68,445 4.4 Roosevelt Financial Group 1,637,223 -324,435 -16.5 S&T Bancorp 31,594 26,310 497.9 SFFed Corp. 3,263 -8,899 -73.2 Sho-Me Financial Corp. 23,340 7,545 47.8 SIS Bank 53,727 13,683 34.2 Skylands Community Bank 10,427 3,427 49 Somerset Savings Bank 13,218 -1,682 -11.3 SouthTrust Corp. 161,787 93,755 137.8 Southwest Bancshares 10,270 -5,875 -36.4 Sovereign Bancorp 2,143,742 155,325 7.8 St. Paul Bancorp 111,641 -69,756 -38.5 Standard Financial Inc. 10,012 -581 -5.5 Sterling Financial Corp. 17,185 1,548 9.9 Suburban Bancshares Inc. 51,796 25,584 97.6 Summit Bancorp. 134,168 46,273 52.6 Sun Bancorp 24,672 -1,030 -4 Suncoast Savings and Loan 71,756 -13,205 -15.5 Sunrise Bancorp 527 -11,480 -95.6 Sunrise Resources Inc. 12,034 8,683 259.1 Susquehanna Bancshares Inc. 38,509 13,227 52.3 TF Financial Corp. 14,408 13,956 3,087.60 TFC Enterprises 51,953 -1,583 -3 TR Financial Corp. 45,474 -5,972 -11.6 Trans Financial Inc. 67,287 2,601 4 Trust Co. of New Jersey 599,522 -61,059 -9.2 U.S. Bancorp 5,937,291 877,731 17.3 U.S. Pawn Inc. 62 -13,609 -99.5 U.S. Trust Corp. 270,052 -24,103 -8.2 Union Bank 37,496 23,251 163.2 United Bankshares Inc. 11,040 7,094 179.8 United Carolina Bancshares 12,182 6,308 107.4 United Counties Bancorp. 16,042 13,936 661.7 United National Bancorp 10,256 9,009 722.5 UST Corp. 55,009 44,143 406.2 ValliCorp Holdings 17,955 9,607 115.1 Ventura County National Bancorp 2,310 -30,352 -92.9 Vermont Fin'l Services Corp. 27,594 -9,627 -25.9 Washington Federal Inc. 149,975 -68,492 -31.4 Washington Mutual Inc. 1,207,476 141,846 13.3 Webster Financial Corp. 159,444 27,400 20.8 WesBanco Inc. 17,986 17,098 1,925.50 West One Bancorp 615,944 -1,500,743 -70.9 Westamerica Bancorp. 8,347 -15,542 -65.1 Whitney Holding Corp. 16,562 4,311 35.2 Wilmington Trust Corp. 138,760 93,086 203.8 Workingmens Capital Holdings 11,504 -13,466 -53.9 World Acceptance Corp. 47,031 -44,655 -48.7 WSFS Financial Corp. 14,916 14,261 2,177.30 Zions Bancorp. 236,488 65,852 38.6 NASDAQ TOTALS 44,887,210 -186,027 -0.4 Set 2 of 2

Average Days

Daily to Institution Volume *Cover* Aames Financial Corp. 66,966 0.6 ADVANTA Corp. Class A 171,587 7.1 ADVANTA Corp. Class B 147,107 0.3 ALBANK Financial Corp. 73,245 1.2 Allstate Financial Corp. 22,223 3.4 Ameriana Bancorp 5,084 10.9 American Federal Bank 17,954 0.2 AMFED Financial Inc. 25,662 0.4 Anchor BanCorp Wisconsin 16,781 0.9 Arrow Financial Corp. 14,628 1.4 Astoria Financial Corp. 68,019 3.5 Avondale Financial Corp. 17,379 0.6 BancorpSouth Inc. 4,778 4.2 Bank of Granite Corp. 971 32.3 Bank South Corp. 385,932 2.3 BankAtlantic Bancorp 51,162 0.7 Bankers Corp. 41,761 2.8 Bankers First Corp. 45,165 0.2 Bay Ridge Bancorp 78,464 0.2 BayBanks Inc. 214,707 2.6 Bell Bancorp 43,969 1.8 Boatmen's Bancshares Inc. 531,890 3.6 BOK Financial Corp. 3,522 2.8 Boston Bancorp (The) 38,520 1 Broad National Bancorp. 5,339 3.5 Brooklyn Bancorp 44,264 2.7 California Bancshares 16,638 5 Cameron Financial Corp. 27,620 0.4 Capital Bancorp. 20,026 0.2 Capitol Bancorp Ltd. 3,262 0.1 Carolina First Corp. 7,769 12.9 CBT Corp. 1,976 16 CCB Financial Corp. 21,849 2.7 CENFED Financial Corp. 29,963 2.3 CENIT Bancorp 2,587 9.9 Central Fidelity Banks Inc. 108,942 0.8 Central Jersey Financial 6,000 1.9 Charter One Financial 141,365 15.3 Chittenden Corp. 17,965 0.5 CitFed Bancorp 31,168 6.5 Citizens Bancorp 28,928 0.4 CNB Bancshares Inc. 19,130 13.6 Cole Taylor Financial Group 34,078 0.3 Collective Bancorp 184,791 0.3 Columbia First Bank 4,502 11 Commerce Bancshares Inc. 49,720 1.5 Commercial Federal Corp. 147,495 2.3 Compass Bancshares Inc. 62,496 0.8 Conestoga Bancorp 96,857 0.2 Consumer Portfolio Services 23,856 6.6 Credit Acceptance Corp. 166,639 1.7 CSF Holdings Inc. (S,R) 156,604 - Cullen/Frost Bankers Inc. 41,540 3.7 Dauphin Deposit Corp. 38,274 0.8 Deposit Guaranty Corp. 19,913 2.9 DS Bancor 6,441 0.3 Eagle Finance Corp. 15,832 2.1 EZCORP 75,171 5.1 F&M Bancorp 1,036 20.4 FFY Financial Corp. 43,813 0.2 Fidelity Federal Bancorp 292 69.1 Fidelity Southern Corp. 3,527 8.4 Fifth Third Bancorp 71,352 8.1 Financing for Science Int'l 9,450 1.9 First American Corp. 131,443 0.4 First Cash Inc. 10,525 0.4 First Commerce Corp. 102,152 17.3 First Commercial Bancorp 5,772 3.9 First Commercial Corp. 16,172 12.5 First Essex Bancorp 18,689 0.6 First Federal Financial Svcs 1,510 1.5 First Federal of East Hartford 17,864 2.2 First Federal Savings Bank of Colorado 638 22 First Financial Bancorp 2,329 15.3 First Financial Corp. 57,238 1.2 First Financial W. Maryland 2,377 8.2 First Indiana Corp. 9,146 0.4 First Keystone Financial 3,770 0.3 First Liberty Financial Corp. 7,220 2 First Merchants Acceptance 22,306 1.7 First Michigan Bank Corp. 10,224 3.3 First Midwest Bancorp 18,730 4.7 First Midwest Financial Inc. 4,280 3.8 First National Bancorp 27,933 4.7 First Oak Brook Bancshares 3,692 4.3 First Palm Beach Bancorp 162,614 0.5 First Security Corp. 109,751 0.8 First Tennessee National Corp. 136,289 9 FirstFed Michigan Corp. 95,343 0.3 FirsTier Financial Inc. 13,963 0.3 FirstMerit Corp. 41,054 0.5 FNB Corp. 2,579 72.8 Fourth Financial Corp. 61,492 7.5 Framingham Savings Bank 13,393 3.5 Great Country Bank 117,137 - Great Financial Corp. 38,433 5 Great Southern Bancorp 830 42.6 Greater New York Savings Bank 78,506 0.5 GreenPoint Financial Corp. 308,001 1 Haven Bancorp 47,283 1.4 Hawkeye Bancorp. 21,510 0.5 Hawthorne Financial Corp. 4,163 6.6 HF Financial Corp. 24,294 0.7 Home Federal Corp. 1,669 0.3 Home Financial Corp. 187,440 0.8 Hubco Inc. 46,428 2 Huntington Bancshares Inc. (S,R) 157,512 6.1 IBS Financial Corp. 79,337 1.5 Imperial Bancorp 176,128 0.4 Imperial Credit Industries 33,489 1.2 Irwin Financial Corp. 7,701 2.5 ISB Financial Corp. 85,836 0.8 JeffBanks Inc. 4,270 3.5 Jefferson Bankshares Inc. 18,587 0.2 JSB Financial Inc. 20,276 1 Keystone Financial Inc. 22,709 3.1 Lafayette American Bank 39,983 0.1 Lawrence Savings Bank 9,015 0.8 Leader Financial Corp. 74,974 0.7 Liberty Bancorp 21,465 0.5 Life Bancorp 126,049 1.3 Long Island Bancorp 146,956 0.6 Loyola Capital Corp. 40,245 - Magna Group Inc. 76,066 1.9 Mark Twain Bancshares Inc. 18,825 2.3 Marshall & Ilsley Corp. 106,938 5.5 Mercantile Bankshares Corp. 184,342 0.3 Meridian Bancorp 386,650 4.1 Michigan National Corp. 40,874 0.3 Mid Am Inc. 32,362 7.5 Mid Continent Bancshares Inc. 11,462 - Midlantic Corp. 188,608 1.2 Mississippi Valley Bancshares 2,393 8.1 MLF Bancorp 63,588 0.4 Money Store Inc. 109,390 0.6 Monterey Bay Bancorp 27,232 - Mountain Parks Financial Corp. 30,346 0.4 Mutual Savings Bank 39,135 3.6 N.S. Bancorp 26,231 4 National Commerce Bancorp. 24,407 3.2 Northern Trust Corp. 95,877 5.2 Northwest Savings Bank 9,218 1.2 Old Kent Financial Corp. 99,931 0.3 Old National Bancorp 13,310 30.1 Olympic Financial Ltd. 490,283 6.7 ONBancorp 100,913 1.9 Pacific Crest Capital 8,341 3.9 Palfed Inc. 39,051 0.1 Pamrapo Bancorp 44,623 1.1 PennFed Financial ServicesInc 127,747 0.2 People's Bank 104,758 5.5 People's Savings of Brockton 25,846 0.4 Peoples Heritage Fin'l Group 91,601 4.5 Piedmont BankGroup Inc. 1,994 21.2 Poughkeepsie Savings Bank 74,147 0.3 Premier Bancorp 46,382 0.9 Progressive Bank Inc. 6,831 1.5 Putnam Trust Co. of Greenwich 2,969 9.6 QCF Bancorp 8,723 1.5 Quaker City Bancorp 17,750 5 Queens County Bancorp 21,223 - Regional Acceptance (S,R) 42,273 14.2 Regions Financial Corp. 77,484 4.4 Reliance Bancorp 102,883 0.2 Republic Bancorp 54,140 1.1 Republic Security Financial 59,228 0.6 Riggs National Corp. 89,986 1.1 Rochester Community 124,737 12.9 Roosevelt Financial Group 435,517 3.8 S&T Bancorp 7,257 4.4 SFFed Corp. 102,916 - Sho-Me Financial Corp. 13,773 1.7 SIS Bank 65,321 0.8 Skylands Community Bank 4,305 2.4 Somerset Savings Bank 89,321 0.1 SouthTrust Corp. 154,765 1 Southwest Bancshares 12,719 0.8 Sovereign Bancorp 492,198 4.4 St. Paul Bancorp 167,335 0.7 Standard Financial Inc. 108,800 - Sterling Financial Corp. 11,613 1.5 Suburban Bancshares Inc. 5,904 8.8 Summit Bancorp. 237,422 0.6 Sun Bancorp 1,085 22.7 Suncoast Savings and Loan 25,123 2.9 Sunrise Bancorp 36,690 - Sunrise Resources Inc. 26,528 0.5 Susquehanna Bancshares Inc. 30,551 1.3 TF Financial Corp. 15,328 0.9 TFC Enterprises 45,014 1.2 TR Financial Corp. 57,000 0.8 Trans Financial Inc. 25,901 2.6 Trust Co. of New Jersey 33,167 18.1 U.S. Bancorp 502,725 11.8 U.S. Pawn Inc. 19,811 - U.S. Trust Corp. 26,188 10.3 Union Bank 61,652 0.6 United Bankshares Inc. 5,578 2 United Carolina Bancshares 12,219 1 United Counties Bancorp. 7,598 2.1 United National Bancorp 2,693 3.8 UST Corp. 78,323 0.7 ValliCorp Holdings 25,966 0.7 Ventura County National Bancorp 40,440 - Vermont Fin'l Services Corp. 11,518 2.4 Washington Federal Inc. 212,377 0.7 Washington Mutual Inc. 222,184 5.4 Webster Financial Corp. 18,870 8.4 WesBanco Inc. 9,491 1.9 West One Bancorp 224,784 2.7 Westamerica Bancorp. 16,979 0.5 Whitney Holding Corp. 14,151 1.2 Wilmington Trust Corp. 106,878 1.3 Workingmens Capital Holdings 2,876 4 World Acceptance Corp. 45,632 1 WSFS Financial Corp. 88,402 0.2 Zions Bancorp. 54,444 4.3 NASDAQ TOTALS 14,295,090 3.1 === Table limited to issues shorted at least 10,000 shares at either current or prior settlement date. * Number of days to cover short interest, assuming average daily trading volume holds constant and that all volume is used in settlement of short positions. Start - Rise from a prior base of zero. Clear - Prior short position falls to zero. New - Listed since last settlement date. S - Figures adjusted for stock split or dividend. R - Prior figures revised. Source: National Association of Securities Dealers Inc. Compiled by American Banker.