U.S. BANKER RANKINGS       
The Fourth Hundred Largest Community Banking Companies — Fiscal Year 2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $492 Mil. to $374 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 Resource Bankshares Corp., Virginia Beach, VA Bank RBKV 404 4.86 22.83 4 678.00 2 6
2 Community First Banking Co., Carrolton, GA Bank CFBC 395 8.03 18.20 9 1017.65 1 10
3 Wilshire State Bank, Los Angeles Bank WSBK 424 6.87 19.57 7 96.67 7 14
4 Connecticut Bank of Commerce, Stamford, CT Bank CTCB 397 8.14 21.41 5 72.73 10 15
5 Argo Bancorp, Summit, IL Thrift ARGO 463 5.13 20.93 6 60.00 11 17
6 Crusader Holding Corp., Philadelphia** Thrift CRSB 394 8.28 24.26 2 49.19 18 20
7 Redwood Empire Bancorp, Santa Rosa, CA Bank REBC 453 7.82 17.75 11 73.33 9 20
8 Warren Bancorp, Peabody, MA Thrift WRNB 438 8.60 18.81 8 26.39 23 31
9 Union Bankshares, Ltd., Denver Bank UBSC 380 6.35 13.79 26 98.18 6 32
10 Cascade Bancorp, Bend, OR Bank CACB 423 8.26 23.27 3 17.98 36 39
11 WVS Financial Corp., Pittsburgh** Thrift WVFC 410 6.57 16.27 16 25.64 25 41
12 First Northern Community Bancorp, Dixon, CA Bank FNRN 392 9.33 15.45 20 26.13 24 44
13 Union Acceptance Corp., Indianapolis** Specialty Lender UACA 478 23.01 17.30 12 18.52 35 47
14 Pennsylvania Commerce Bancorp, Camp Hill, PA Bank COBH 480 5.55 16.59 15 19.51 33 48
15 CompuCredit Corp., Atlanta Specialty Lender CCRT 471 85.90 28.39 1 11.18 48 49
16 Bank of Marin, Corte Madera, CA Bank BMRC 379 9.06 14.24 24 19.31 34 58
17 NSD Bancorp, Pittsburgh Bank NSDB 436 7.72 16.69 14 10.96 50 64
18 Stifel Financial Corp., St. Louis Broker/Dealer SF 458 16.19 13.81 25 16.50 39 64
19 Peoples State Bank, Madison Heights, MI Bank PSBH 407 8.57 12.53 37 24.86 27 64
20 Upbancorp, Inc., Chicago Bank UPBN 397 6.53 12.77 34 20.33 31 65
21 Monroe Bancorp, Bloomington, IN Bank MROE 442 8.54 14.78 22 12.99 44 66
22 Northeast Bancorp, Auburm, ME** Thrift NBN 434 6.48 11.59 46 36.05 20 66
23 Columbia Bancorp, The Dalles, OR Bank CBBO 417 9.91 14.40 23 12.90 45 68
24 Willis Lease Finance Corp., Sausalito, CA Specialty Lender WLFC 456 20.99 9.46 64 134.09 5 69
25 TIB Financial Corp., Key Largo, FL Bank TIBB 439 5.97 15.54 19 8.79 54 73
26 Iowa First Bancshares Corp., Muscatine, IA Bank IFST 380 5.69 17.76 10 4.93 64 74
27 Bryn Mawr Bank Corp., Bryn Mawr, PA Bank BMTC 444 11.47 17.20 13 5.71 61 74
28 North Central Bancshares, Fort Dodge, IA Thrift FFFD 389 9.36 11.08 48 25.00 26 74
29 Community Bankshares, Richmond, VA Bank CBIV 396 9.79 15.95 18 7.18 57 75
30 Equivest Finance, Greenwich, CT Specialty Lender EQUI 437 19.64 12.96 31 12.90 46 77
31 Western Sierra Bancorp, Cameron Park, CA Bank WSBA 475 7.61 12.08 41 17.89 37 78
32 First National Lincoln Corp., Damariscotta, ME Bank FNLC 393 8.43 15.15 21 6.78 58 79
33 United Bancorp, Tecumseh, MI Bank UBMI 469 9.61 13.14 30 9.41 52 82
34 Harleysville Savings Financial Corp., Harleysville, PA*** Thrift HARL 489 6.43 12.81 33 11.11 49 82
35 Pocahontas Bancorp, Pocahontas, AR*** Thrift PFSL 401 10.32 7.80 79 318.75 3 82
36 Lawrence Savings Bank, North Andover, MA Thrift LSBX 413 12.66 8.72 74 59.02 13 87
37 Community West Bancshares, Goleta, CA Bank CWBC 405 8.89 7.35 83 243.00 4 87
38 Community Bank of Northern Virginia, Sterling, VA Bank CBNV 395 8.23 16.01 17 0.00 71 88
39 Cavalry Bancorp, Murfreesboro, TN Thrift CAVB 384 11.44 9.90 61 23.08 29 90
40 FSF Financial Corp., Hutchinson, MN*** Thrift FFHH 467 8.52 8.53 76 58.89 14 90
41 NorthWest Indiana Bancorp, Munster, IN Thrift NWIN 392 8.55 13.30 29 5.26 63 92
42 Gulf West Banks, St. Petersburg, FL Bank GWBK 455 7.81 10.84 50 14.63 42 92
43 MFB Corp., Mishawaka, IN*** Thrift MFBC 396 8.21 8.88 71 32.45 21 92
44 Northway Financial, Berlin, NH Bank NWFI 485 8.59 10.29 53 16.00 40 93
45 Central Bancorp, Somerville* Thrift CEBK 410 9.13 8.87 73 28.26 22 95
46 First Leesport Bancorp, Leesport, PA Bank FLPB 394 7.20 7.87 78 51.32 17 95
47 Winton Financial Corp., Cincinnati, OH*** Thrift WFI 465 7.31 10.19 55 15.63 41 96
48 Intervest Bancshares Corp., New York Bank IBCA 417 8.69 7.48 81 55.81 15 96
49 Southern Community Bank & Trust, Winston-Salem, NC Bank SCMT 384 9.62 7.27 85 60.00 12 97
50 SNB Bancshares, Macon, GA Bank SNBJ 410 7.57 12.01 42 7.29 56 98
51 Industrial Bancorp, Bellevue, OH Thrift INBI 427 13.73 10.17 56 13.22 43 99
52 Citizens Holding Co., Philadelphia, MS Bank CIZ 383 11.33 13.60 28 -1.76 74 102
53 Amplicon, Inc., Santa Ana, CA** Specialty Lender AMPI 410 40.79 12.48 38 4.37 65 103
54 Old Point Financial Corp., Hampton, VA Bank OPOF 477 9.75 11.87 43 5.91 60 103
55 Kankakee Bancorp, Kankakee, IL Thrift KNK 460 8.54 6.95 87 55.47 16 103
56 Georgia Bank Financial Corp., Augusta, GA Bank GBFP 406 8.47 12.58 35 1.05 70 105
57 Carver Bancorp, New York* Thrift CNY 420 7.77 -3.29 97 74.00 8 105
58 Slade's Ferry Bancorp, Somerset, MA Bank SFBC 389 9.18 12.10 39 3.81 67 106
59 Citizens Financial Services, Mansfield, PA Bank CZFS 413 7.39 10.84 51 8.00 55 106
60 Penns Woods Bancorp, Jersey Shore, PA Bank PWOD 395 12.79 13.77 27 -8.70 81 108
61 Equitable Bank, Wheaton, MD*** Thrift EQSB 465 5.27 11.05 49 6.74 59 108
62 Eastern Virginia Bankshares, Tappahannock, VA Bank EVBS 407 11.06 12.94 32 -4.27 77 109
63 Franklin Financial Services Corp., Chambersburg, PA Bank FRAF 466 9.27 12.56 36 -1.63 73 109
64 Cortland Bancorp, Cortland, OH Bank CLDB 429 11.12 11.26 47 5.51 62 109
65 Teche Holding Co., Franklin, LA*** Thrift TSH 475 10.25 7.70 80 20.16 32 112
66 Bay State Bancorp, Brookline, MA* Thrift BYS 460 11.44 4.82 94 41.05 19 113
67 First Citizens Banc Corp., Sandusky, OH Bank FCZA 489 9.80 12.09 40 -2.80 76 116
68 Auburn National Bancorp., Auburn, AL Bank AUBN 405 7.86 10.30 52 4.05 66 118
69 Comm Bancorp, Forest City, PA Bank CCBP 420 8.96 11.72 45 -2.76 75 120
70 Summit Financial Group, Moorefield, WV Bank SMMF 481 8.26 8.93 69 8.85 53 122
71 LCNB Corp., Lebanon, OH Bank LCNB 451 10.27 11.74 44 -6.35 79 123
72 Ephrata National Bank, Ephrata, PA Bank EPNB 388 13.15 10.26 54 1.83 69 123
73 Community Capital Corp, Greenwood, SC Bank CYL 422 8.32 4.57 95 24.39 28 123
74 Penseco Financial Services Corp., Scranton, PA Bank PFNS 467 10.72 9.96 58 1.84 68 126
75 Community Bank Shares of Indiana, New Albany, IN Bank CBIN 416 9.82 6.43 88 17.00 38 126
76 Harrington Financial Group, Richmond, IN** Thrift HFGI 435 3.74 -10.70 99 22.00 30 129
77 First SecurityFed Financial, Chicago Thrift FSFF 404 19.88 7.34 84 12.28 47 131
78 Independent Financial Network, Coos Bay, OR Bank INFN 374 8.75 7.48 82 10.81 51 133
79 Virginia Commonwealth Fin. Corp., Culpeper, VA Bank VCFC 459 10.88 9.98 57 -5.02 78 135
80 Pamrapo Bancorp, Bayonne, NJ Thrift PBCI 470 9.91 9.57 63 0.00 72 135
81 First Century Bankshares, Bluefield, WV Bank FCBS 374 8.47 9.94 60 -9.94 82 142
82 First Keystone Financial, Media, PA*** Thrift FKFS 463 5.73 9.96 59 -15.91 85 144
83 O.A.K. Financial Corp., Byron Center, MI Bank OKFC 457 9.77 9.21 66 -12.56 83 149
84 Bar Harbor Bankshares, Bar Harbor, ME Bank BHB 466 10.83 9.68 62 -20.99 89 151
85 Fidelity D & D Bancorp, Dunmore, PA Bank FDBC 492 7.63 9.20 67 -16.51 86 153
86 Peoples Bancorp, Auburn, IN*** Thrift PFDC 460 12.46 8.66 75 -7.04 80 155
87 Wainwright Bank & Trust Co., Boston Bank WAIN 462 7.13 9.07 68 -19.05 88 156
88 Bank of Kentucky Financial Corp., Florence, KY Bank BKYF 470 10.16 9.32 65 -23.60 92 157
89 Guaranty Bancshares, Mount Pleasant, TX Bank GNTY 411 7.16 8.87 72 -22.33 90 162
90 New Hampshire Thrift Bancshares, Newport, NH Thrift NHTB 463 5.76 8.88 70 -25.00 93 163
91 Lamar Capital Corp., Purvis, MS Bank LCCO 415 8.86 8.47 77 -31.96 94 171
92 CNB Florida Bancshares, Jacksonville, FL Bank CNBB 468 9.55 5.74 92 -14.58 84 176
93 Monterey Bay Bancorp, Watsonville, CA Thrift MBBC 486 9.02 6.24 90 -18.18 87 177
94 Cooperative Bankshares, Wilmington, NC Thrift COOP 415 7.43 6.35 89 -23.33 91 180
95 First Colonial Group, Nazareth, PA Bank FTCG 443 7.57 7.04 86 -37.36 96 182
96 Carrollton Bancorp, Baltimore Bank CRRB 388 7.86 5.87 91 -36.63 95 186
97 Pittsburgh Financial Corp., Wexford, PA*** Thrift PHFC 438 4.89 5.58 93 -46.04 97 190
98 Cash America International, Fort Worth, TX Specialty Lender PWN 378 47.18 -0.95 96 -146.67 99 195
99 United PanAm Financial Corp., Newport Beach, CA Thrift UPFC 490 14.15 -9.11 98 -64.00 98 196
100 Delta Financial Corp., Woodbury, NY Specialty Lender DFC 453 21.59 -40.36 100 -1133.33 100 200

* 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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