NASDAQ Short Interest

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part 1 of 2

Shares SoldUnit Chg. Pct. Chg.

Short as of from from

Institution 12/15/98 11/13/98 11/13/98

Advanta Corp. Class A 3,100,872 -137,376 -4.24%

Advanta Corp. Class B 1,069,329 -15,986 -1.47%

Associated Banc-Corp. 260,840 -33,484 -11.38%

Astoria Financial Corp. 1,011,253 1,209 0.12%

Bank Plus Corp. 611,027 503,685 469.23%

Bank United Corp. 271,143 82,849 44.00%

BankAtlantic Bancorp 422,031 -74,481 -15.00%

Banknorth Group Inc. 855,844 265,809 45.05%

Bay View Capital Corp. 657,655 -9,116 -1.37%

Bayonne Bancshares Inc. 260,461 -188 -0.07%

Charter One Financial Inc. 1,507,882-4,173,779 -73.46%

Cincinnati Financial Corp. 3,192,959 433,485 15.71%

Community Financial Group 266,826 7,900 3.05%

Compass Bancshares Inc. 281,666 -2,811 -0.99%

Credit Acceptance Corp. 2,701,360 -148,436 -5.21%

Dime Community Bancshares 371,356 -1,014 -0.27%

Doral Financial Corp. 315,113 15,798 5.28%

Fifth Third Bancorp 3,762,572 -598,944 -13.73%

First Tennessee National C 5,964,235 28,149 0.47%

Huntington Bancshares Inc. 1,298,277 -108,054 -7.68%

IMC Mortgage Company 755,675 2,216 0.29%

Imperial Credit Industries 455,038 106,571 30.58%

Keystone Financial Inc. 795,310 126,903 18.99%

Long Beach Financial Corp. 381,245 -216,304 -36.20%

Marshall & Ilsley corp. 583,842 102,887 21.39%

New Century Financial Corp 583,599 -56,023 -8.76%

Northern Trust Corp. 1,801,495 229,985 14.63%

Old Kent Financial Corp. 287,450 -776,147 -72.97%

People's Mutual Holdings 361,310 20,482 6.01%

Peoples Heritage Finan. Gr 4,366,235 188,705 4.52%

Provident Bankshares Corp. 150,255 -27,754 -15.59%

Provident Financial Group 1,201,295 -230,545 -16.10%

Redwood Empire Bancorp (N 140,454 -13 -0.01%

Regions Financial Corp. 1,051,127 -625,254 -37.30%

Republic Bancorp, Inc. 460,804 288,282 167.10%

Republic Security Financia 545,366 50,181 10.13%

Riggs National Corp. 98,355 -90,434 -47.90%

Roslyn Bancorp Inc. 4,443,109 852,914 23.76%

SouthTrust Corp. 482,243 -85,871 -15.12%

Sovereign Bancorp Inc. 4,994,380 -301,252 -5.69%

St Paul Bancorp, Inc. 450,089 42,647 10.47%

Susquehanna Bancshares 262,173 23,559 9.87%

Telebanc Financial Corp. 215,858 -22,817 -9.56%

TrustCo Bank Corp. NY 612,923 75,788 14.11%

US Trust Corp. 322,108 2,030 0.63%

United Bankshares, Inc. 528,343 38,770 7.92%

WFS Financial Inc. 1,193,919 -2,330 -0.19%

Washington Federal 305,820 -45,157 -12.87%

Webster Financial Corp. 211,717 -192,337 -47.60%

Westamerica Bancorp 699,524 55,210 8.57%

Western Bancorp 378,282 133,129 54.30%

Westernbank Puerto Rico 695,671 -111,485 -13.81%

Zions Bancorporation 1,596,474 181,672 12.84%

Bank-Related Totals 59,594,189-4,226,577 -6.62%

Nasdaq 1,947,809,4-63,167,70 -3.14%

part 2 of 2

Avg. Daily Days

Trading to

Institution Volume Cover*

Advanta Corp. Class A 118,967 26.1

Advanta Corp. Class B 169,237 6.3

Associated Banc-Corp. 98,640 2.6

Astoria Financial Corp. 374,200 2.7

Bank Plus Corp. 256,463 2.4

Bank United Corp. 97,827 2.8

BankAtlantic Bancorp 26,169 16.1

Banknorth Group Inc. 36,278 23.6

Bay View Capital Corp. 96,787 6.8

Bayonne Bancshares Inc. 72,067 3.6

Charter One Financial Inc. 704,816 2.1

Cincinnati Financial Corp. 229,196 13.9

Community Financial Group 9,999 26.7

Compass Bancshares Inc. 117,302 2.4

Credit Acceptance Corp. 80,373 33.6

Dime Community Bancshares 65,731 5.6

Doral Financial Corp. 146,936 2.1

Fifth Third Bancorp 457,642 8.2

First Tennessee National C 444,930 13.4

Huntington Bancshares Inc. 286,768 4.5

IMC Mortgage Company 700,697 1.1

Imperial Credit Industries 305,517 1.5

Keystone Financial Inc. 289,507 2.7

Long Beach Financial Corp. 161,135 2.4

Marshall & Ilsley corp. 187,670 3.1

New Century Financial Corp 22,753 25.6

Northern Trust Corp. 368,174 4.9

Old Kent Financial Corp. 210,935 1.4

People's Mutual Holdings 112,883 3.2

Peoples Heritage Finan. Gr 411,121 10.6

Provident Bankshares Corp. 91,137 1.6

Provident Financial Group 69,301 17.3

Redwood Empire Bancorp (N 9161 0.4

Regions Financial Corp. 393,499 7.3

Republic Bancorp, Inc. 74,094 1.4

Republic Security Financia 443,660 1.1

Riggs National Corp. 144,405 0.7

Roslyn Bancorp Inc. 336,414 13.2

SouthTrust Corp. 504,541 1

Sovereign Bancorp Inc. 893,729 5.6

St Paul Bancorp, Inc. 154,497 2.9

Susquehanna Bancshares 38,589 6.8

Telebanc Financial Corp. 134,715 1.6

TrustCo Bank Corp. NY 33,961 18

US Trust Corp. 40,992 7.9

United Bankshares, Inc. 63,750 8.3

WFS Financial Inc. 8,068 148

Washington Federal 140,505 2.2

Webster Financial Corp. 115,757 1.8

Westamerica Bancorp 173,703 4

Western Bancorp 41,868 9

Westernbank Puerto Rico 59,361 11.7

Zions Bancorporation 208,232 7.7

Bank-Related Totals 10,834,659 5.9

Nasdaq 889,410,69 2.2 ===

Table limited to issues shorted at least 10,000 shares at either current or prior settlement date. - AMEX listing. * 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. (s) Stock split or dividend in current month only. (r) previous month revised. (n) New York Stock Exchange. (q) Nasdaq Stock Exchange. Compiled by American Banker. Sources: New York Stock Exchange, Nasdaq Stock Exchange and ILX Sytems Inc. American Banker 1999