U.S. BANKER RANKINGS       
Community Banking Companies — Fiscal Year 2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $100 Mil. to $130.4 Mil.

1-Yr       Total Equity/ 1-Yr 1-Yr 1-Yr EPS 1-Yr EPS 1-Yr
Rank Company Industry Ticker Assets Assets ROAE ROAE Av Growth+ Av Growth+ TOTAL
        ($Mil.) (%) (%) Rank (%) Rank SCORE
1 Temecula Valley Bank, Temecula, CA Bank TMUL 117.8 7.59 16.10 4 144.4 2 6
2 Santa Lucia Bank, Atascadero, CA Bank SLNB 116.1 8.59 16.06 5 34.1 12 17
3 Alliance Bank, Culver City, CA Bank ABCU 124.5 7.26 26.19 1 25.8 18 19
4 First Gaston Bank of North Carolina, Gastonia, NC Bank FGBN 112.0 10.39 10.47 11 37.5 9 20
5 Yosemite Bank, Mariposa, CA Bank YOBK 110.9 9.05 14.24 6 26.4 17 23
6 Central Sierra Bank, San Andreas, CA Bank CESR 123.5 7.93 13.49 8 27.4 15 23
7 Vineyard Nat. Bancorp, Rancho Cucamonga, CA Bank VNBC 110.8 8.39 6.96 21 100.0 3 24
8 Pacific State Bank, Stockton, CA Bank PSSFE 113.8 7.07 13.93 7 25.0 19 26
9 Washington Bancorp, Washington, IA** Thrift WBIO 115.4 9.38 9.44 12 27.1 16 28
10 Patapsco Bancorp, Dundalk, MD** Bank PATD 102.7 9.33 8.45 14 28.3 14 28
11 North State National Bank, Chico, CA Bank NSTN 116.5 9.01 17.01 3 9.6 26 29
12 Capital Directions, Mason, MI Bank CTDN 115.0 11.16 13.28 9 10.0 25 34
13 Bank of Astoria, Astoria, OR Bank BKAO 123.0 9.44 18.73 2 3.4 33 35
14 Lexington B&L Financial Corp., Lexington, MO*** Thrift LXMO 107.7 12.95 5.93 27 52.8 8 35
15 MidCarolina Bank, Burlington, NC Bank MDCR 117.4 8.66 4.80 36 288.9 1 37
16 Cumberland Mountain Bancsh., Middlesboro, KY** Thrift CMBN 128.2 7.11 5.04 34 100.0 4 38
17 FFD Financial Corp., Dover, OH** Thrift FFDF 125.1 13.00 6.07 26 33.3 13 39
18 Home City Financial Corp., Springfield, OH Thrift HCFC 123.5 9.56 8.82 13 8.0 27 40
19 Brunswick Bancorp, New Brunswick, NJ Bank BRB 118.5 20.53 6.96 20 18.7 20 40
20 Pioneer Bankshares, Stanley, VA Bank PNBI 100.6 11.68 12.64 10 -5.3 35 45
21 StateFed Financial Corp., Des Moines, IA** Thrift SFFC 100.7 16.54 6.96 22 13.4 23 45
22 Homestead Bancorp, Ponchatoula, LA Thrift HSTD 111.6 11.08 5.03 35 37.5 10 45
23 Exchange Bancshares, Luckey, OH Bank EBLO 103.2 9.66 7.29 19 6.3 29 48
24 FNB Financial Corp., McConnellsburg, PA Bank FNBBD 123.6 10.15 7.67 18 5.3 31 49
25 Virginia National Bank, Charlottesville, VA Bank VABK 112.1 15.39 0.70 46 100.0 5 51
26 Sobieski Bancorp, South Bend, IN** Thrift SOBI 110.8 11.56 5.25 31 17.6 21 52
27 Peoples-Sidney Financial Corp., Sidney, OH** Thrift PSFC 129.3 13.12 3.70 41 34.4 11 52
28 Georgia-Carolina Bancshares, Augusta, GA Bank GECR 116.5 9.64 1.19 45 62.5 7 52
29 PS Financial, Chicago Thrift PSFI 114.1 14.05 7.75 16 -5.9 37 53
30 Cecil Bancorp, Elkton, MD Thrift CECB 122.0 9.36 6.47 23 5.4 30 53
31 Community Shores Bank Corp., Muskegon, MI Bank CSHB 125.2 6.79 -4.60 47 79.0 6 53
32 First Commerce Bank, Charlotte, NC Bank FCBD 111.3 7.83 8.07 15 -11.5 40 55
33 FC Banc Corp., Bucyrus, OH Bank FCBQ 100.1 11.76 7.75 17 -15.5 42 59
34 Union Community Bancorp, Crawfordsville, IN Thrift UCBC 125.4 28.86 5.17 32 7.4 28 60
35 Empire Federal Bancorp, Livingston, MT Thrift EFBC 125.1 23.12 4.02 40 12.9 24 64
36 Century Bancorp, Thomasville, NC** Thrift CENB 100.5 17.77 5.09 33 3.3 34 67
37 Carolina Bank Holdings, Greensboro, NC Bank CLBH 112.5 8.15 6.13 25 -15.9 43 68
38 Chester Bancorp, Chester, IL Bank CNBA 117.6 16.91 5.34 29 -9.9 39 68
39 Home Loan Financial Corp., Coshocton, OH** Thrift HLFC 113.7 17.10 5.26 30 -9.1 38 68
40 Community Investors Bancorp, Bucyrus, OH** Thrift CIBI 119.0 9.04 6.23 24 -25.6 46 70
41 Gateway Bank & Trust Co., Elizabeth City, NC Bank GBTS 110.6 12.15 -9.78 48 15.0 22 70
42 Peoples Financial Corp., Massillon, OH*** Thrift PFFC 100.4 10.27 5.52 28 -21.7 45 73
43 Great Pee Dee Bancorp, Cheraw, SC** Thrift PEDE 103.8 25.29 2.94 42 4.4 32 74
44 Michigan Heritage Bancorp, Farmington Hills, MI Bank MHBC 120.6 10.22 4.20 39 -5.6 36 75
45 Rowan Bancorp, China Grove, NC Bank RWNB 105.5 9.25 4.27 38 -12.8 41 79
46 Harrodsburg First Fin. Bancorp, Harrodsburg, KY*** Thrift HFFB 117.4 21.50 4.49 37 -19.1 44 81
47 Massachusetts Fincorp, Quincy, MA Thrift MAFN 113.2 8.55 2.45 43 -40.5 48 91
48 Columbia Financial of Kentucky, Fort Mitchell, KY*** Thrift CFKY 111.5 26.11 2.17 44 -32.5 47 91

* 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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