U.S. BANKER RANKINGS       
The Third Hundred Largest Community Banks — Fiscal Year 2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $671 Mil. to $494 Mil.
As of Dec. 31, 2000, except where otherwise noted

        Total Equity/ 1-Yr 1-Yr 1-Yr EPS 1-Yr EPS 1-Yr
1-Yr     Assets Assets ROAE ROAE Growth Growth TOTAL
RANK Company Industry Ticker ($Mil.) (%) (%) RANK (%) RANK SCORE
1 Nara Bancorp, Los Angeles Bank NARA 602 7.40 30.31 2 147.50 10 12
2 GreatBanc, Aurora, IL Bank GRBC 602 5.74 27.40 3 195.15 9 12
3 Southern Financial Bancorp, Warrenton, VA Bank SFFB 610 6.51 15.96 12 420.00 5 17
4 Princeton National Bancorp, Princeton, IL Bank PNBC 515 9.22 18.66 8 128.43 11 19
5 Northern Empire Bancshares, Santa Rosa, CA Bank NREB 494 7.30 20.87 4 24.11 28 32
6 Humboldt Bancorp, Eureka, CA Bank HBEK 608 8.35 15.93 13 33.73 21 34
7 CoBiz Inc., Denver Bank COBZ 633 7.44 15.58 16 36.11 19 35
8 Bancorp Connecticut, Southington, CT Thrift BKCT 634 8.25 20.42 5 18.84 32 37
9 First State Bancorporation, Albuquerque, NM Bank FSNM 653 7.86 15.23 21 43.56 16 37
10 Fidelity Bancorp, Pittsburgh*** Thrift FSBI 543 5.45 15.70 15 27.45 24 39
11 Horizon Bancorp, Michigan City, IN Bank HBNC 532 4.69 12.41 43 1126.00 3 46
12 Commercial Bankshares, Miami Bank CLBK 523 8.62 15.43 19 22.63 29 48
13 City Bank, Lynnwood, WA Bank CTBK 543 20.65 17.42 10 14.72 42 52
14 Pacific Crest Capital, Agoura Hills, CA Bank PCCI 649 5.23 19.31 7 10.44 50 57
15 First Chester County Corp., West Chester, PA Bank FCEC 551 7.81 15.03 22 15.93 38 60
16 Royal Bancshares of Pennsylvania, Narberth, PA Bank RBPAA 630 16.43 14.30 26 16.81 35 61
17 LNB Bancorp, Lorain, OH Bank LNBB 622 9.09 15.83 14 10.50 49 63
18 Cass Information Systems, Bridgeton, MO Bank CASS 577 9.33 13.16 37 25.47 26 63
19 Foothill Independent Bancorp, Glendora, CA Bank FOOT 506 9.54 14.23 27 16.00 37 64
20 NewMil Bancorp, New Milford, CT Thrift NMIL 524 9.08 11.54 49 39.47 17 66
21 First Mutual Bancshares, Bellevue, WA Thrift FMSB 643 7.14 15.48 17 10.32 51 68
22 Castle BancGroup, De Kalb, IL Bank CTBG 552 7.85 9.71 66 1316.67 2 68
23 Franklin Financial Corp., Franklin, TN Bank FNFN 605 5.08 19.59 6 5.56 64 70
24 Civic BanCorp, Oakland, CA Bank CIVC 498 10.79 13.56 31 15.45 39 70
25 IBT Bancorp, Irwin, PA Bank IBTB 496 8.99 16.87 11 6.19 62 73
26 Greater Community Bancorp, Totowa, NJ Bank GFLS 607 6.62 13.43 33 15.38 40 73
27 BNCCORP, Bismarck, ND Bank BNCC 570 5.17 9.37 69 860.00 4 73
28 Peoples Bancorp of North Carolina, Newton, NC Bank PEBK 519 8.29 12.74 42 18.44 33 75
29 American National Bankshares, Danville, VA Bank AMNB 541 11.70 14.74 24 9.23 52 76
30 Shore Bancshares, Easton, MD Bank SHBI 553 11.76 12.98 40 16.54 36 76
31 James River Bankshares, Suffolk, VA Bank JRBK 516 10.70 10.93 54 32.98 22 76
32 Peapack-Gladstone Financial Corp., Gladstone, NJ Bank PGC 568 9.70 15.30 20 7.33 58 78
33 Macatawa Bank Corp., Zeeland, MI Bank MCBC 500 7.63 9.31 71 328.57 7 78
34 Credit Acceptance Corp., Southfield, MI Specialty Lender CACC 671 39.08 9.01 73 330.00 6 79
35 National Bancshares Corp. of Texas, San Antonio, TX Bank NBT 591 9.91 9.35 70 93.75 12 82
36 Summit Bancshares, Fort Worth, TX Bank SBIT 619 8.98 17.57 9 -0.72 75 84
37 Virginia Financial Corp., Staunton, VA Bank VFNL 500 10.19 13.00 39 12.23 45 84
38 Yonkers Financial Corp., Yonkers, NY*** Thrift YFCB 523 6.67 9.69 67 37.84 18 85
39 FNB Corp., Christiansburg, VA Bank FNBP 539 9.63 13.77 30 7.55 57 87
40 Merchants & Manufacturers Bancorp., New Berlin, WI Bank MMBI 538 7.95 10.24 62 27.22 25 87
41 Mercantile Bank Corp., Grand Rapids, MI Bank MBWM 513 6.21 9.49 68 33.75 20 88
42 Center Bancorp, Union, NJ Bank CNBC 570 6.88 13.43 34 8.20 55 89
43 Wayne Bancorp, Wooster, OH Bank WNNB 570 10.50 14.55 25 4.73 65 90
44 CNB Financial Corp., Clearfield, PA Bank CCNE 555 9.22 10.78 56 18.40 34 90
45 FLAG Financial Corp., LaGrange, GA Bank FLAG 559 9.93 7.95 82 246.67 8 90
46 Bank of Granite Corp., Granite Falls, NC Bank GRAN 662 18.03 13.41 35 7.81 56 91
47 First National Community Bancorp, Dunmore, PA Bank FNCB 584 8.00 14.94 23 1.70 70 93
48 ACNB Corp., Gettysburg, PA Bank ACNB 567 10.65 13.50 32 6.67 61 93
49 Habersham Bancorp, Cornelia, GA Bank HABC 543 7.14 8.21 79 67.16 14 93
50 Tri City Bankshares Corp., Oak Creek, WI Bank TRCY 563 12.24 12.04 46 11.19 48 94
51 Mahaska Investment Co., Oskaloosa, IA Bank OSKY 515 9.57 8.04 81 76.79 13 94
52 Chester Valley Bancorp, Downingtown, PA** Thrift CVAL 507 7.00 13.34 36 6.80 60 96
53 South Alabama Bancorp., Mobile, AL Bank SABC 577 12.27 11.18 52 12.99 44 96
54 CoVest Bancshares, Des Plaines, IL Bank COVB 586 8.20 9.75 65 20.43 31 96
55 Colony Bankcorp, Fitzgerald, GA Bank CBAN 520 7.73 12.12 45 8.51 54 99
56 National Bankshares, Blacksburg, VA Bank NKSH 593 10.08 13.13 38 6.12 63 101
57 Warwick Community Bancorp, Warwick, NY Thrift WSBI 638 11.38 6.61 87 59.65 15 102
58 Bank of the Sierra, Porterville, CA Bank BSRR 607 6.72 14.15 28 -1.64 76 104
59 PVF Capital Corp., Bedford Heights, OH** Thrift PVFC 613 7.00 15.45 18 -17.53 87 105
60 Peoples BancTrust Co., Selma, AL Bank PBTC 671 9.47 10.17 63 14.56 43 106
61 First of Long Island Corp., Glen Head, NY Bank FLIC 626 11.32 13.97 29 -2.48 78 107
62 Northrim Bank, Anchorage, AK Bank NRIM 547 9.92 11.44 50 7.14 59 109
63 Heritage Financial Corp., Olympia, WA Thrift HFWA 574 14.47 6.66 86 32.65 23 109
64 Fidelity Bancorp, Chicago*** Thrift FBCI 637 6.72 10.17 64 11.36 47 111
65 First South Bancorp, Washington, NC*** Bank FSBK 560 8.01 7.71 84 24.18 27 111
66 First Mid-Illinois Bancshares, Mattoon, IL Bank FMBH 643 8.98 10.55 59 9.17 53 112
67 Ameriana Bancorp, New Castle, IN Thrift ASBI 557 7.48 8.68 76 15.31 41 117
68 Northern States Financial Corp., Waukegan, IL Bank NSFC 538 13.46 11.80 48 0.56 72 120
69 EFC Bancorp, Elgin, IL Thrift EFC 583 11.54 5.89 91 20.83 30 121
70 Alliance Financial Corp., Cortland, NY Bank ALNC 581 9.13 10.86 55 2.78 68 123
71 American West Bancorp., Spokane, WA Bank AWBC 599 10.78 12.74 41 -13.04 85 126
72 CENIT Bancorp, Norfolk, VA Thrift CNIT 632 8.14 11.19 51 -2.31 77 128
73 Westbank Corp., West Springfield, MA Bank WBKC 575 6.07 11.80 47 -7.29 82 129
74 Ohio Valley Banc Corp., Gallipolis, OH Bank OVBC 562 7.92 10.29 61 2.46 69 130
75 North Country Financial Corp., Traverse City, MI Bank NCUF 667 6.69 12.13 44 -17.98 88 132
76 DCB Financial Corp., Delaware, OH Bank DCBF 497 9.03 11.12 53 -2.63 79 132
77 First Federal Financial Corp., Elizabethtown, KY** Thrift FFKY 561 9.22 10.52 60 0.00 73 133
78 Ugly Duckling Corp., Phoenix Specialty Lender UGLY 652 23.83 5.65 93 11.67 46 139
79 Ledger Capital Corp., Gelndale, WI** Thrift LEDG 520 6.42 8.93 74 3.64 66 140
80 United Security Bancshares, Thomasville, AL Bank USBI 509 13.28 10.66 58 -17.11 86 144
81 American Bus. Fin. Services, Bala Cynwyd, PA** Specialty Lender ABFI 593 10.48 10.67 57 -50.81 97 154
82 Vail Banks, Vail, CO Bank VAIL 564 11.87 8.04 80 0.00 74 154
83 Team Financial, Paola, KS Bank TFIN 540 7.38 8.25 78 -11.83 84 162
84 Virginia Capital Bancshares, Fredericksburg, VA Bank VCAP 533 29.19 4.97 96 3.41 67 163
85 Republic First Bancorp, Philadelphia Bank FRBK 656 6.56 9.03 72 -27.03 92 164
86 Resource America, Philadelphia*** Specialty Lender REXI 509 55.23 6.67 85 -6.17 81 166
87 Northeast Pennsylvania Financial Corp., Hazelton, PA*** Thrift NEP 637 11.45 5.44 95 1.25 71 166
88 InterCounty Bancshares, Wilmington, OH Bank ICYB 579 8.54 8.85 75 -28.81 93 168
89 Farmers National Banc Corp., Canfield, OH Bank FMNB 626 11.31 8.37 77 -30.56 94 171
90 First Liberty Bank Corp., Jermyn, PA Bank FLIB 628 9.94 7.79 83 -23.40 90 173
91 First Midwest Financial, Storm Lake, IA*** Thrift CASH 506 7.92 5.98 90 -10.58 83 173
92 Lincoln Bancorp, Plainfield, IN Thrift LNCB 500 17.72 4.03 98 -2.82 80 178
93 FNB Corp., Asheboro, NC Bank FNBN 566 9.75 6.59 88 -36.70 95 183
94 Capital Trust, New York Specialty Lender CT 644 24.62 6.15 89 -40.00 96 185
95 Peoples Financial Corp., Biloxi, MS Bank PFBX 587 13.40 5.64 94 -25.47 91 185
96 Success Bancshares, Lincolnshire, IL Bank SXNB 601 4.89 4.11 97 -20.00 89 186
97 North Valley Bancorp, Redding, CA Bank NOVB 540 10.15 5.82 92 -56.20 98 190
98 Franklin Bank, Southfield, MI Bank FSVB 528 6.68 0.35 99 -96.39 99 198
99 HPSC, Inc., Boston Specialty Lender HDR 494 8.26 0.21 100 -96.72 100 200

* Fiscal year ended March 30, 2000
** Fiscal year ended June 30, 2000
*** Fiscal year ended Sept. 30, 2000
+ Diluted EPS after extraordinary items
Where total score is equal, company with the higher ROAE receives the superior rank.
Includes only those companies for which necessary ROAE and EPS data were available.
Source: Raw data from SNL Securities

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