U.S. BANKER RANKINGS       
Community Banking Companies — Fiscal Year 2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $201.8 Mil. to $276.6 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 National Mercantile Bancorp, Los Angeles Bank MBLA 204.8 10.11 20.49 1 163.4 2 3
2 Eufaula BancCorp, Eufaula, AL Bank EUFA 237.7 9.75 16.77 6 113.3 7 13
3 Lenawee Bancorp, Adrian, MI Bank LENC 259.7 7.84 16.53 9 102.7 9 18
4 MCB Financial Corp., San Rafael, CA Bank MCB 209.3 7.22 19.78 2 35.5 18 20
5 Bridge View Bancorp, Englewood Cliffs, NJ Bank BVB 234.9 9.90 19.47 3 30.5 21 24
6 Valencia Bank & Trust, Santa Clarita, CA Bank VABT 221.4 7.79 15.26 11 36.6 17 28
7 Tower Bancorp, Greencastle, PA Bank TOBC 224.5 11.88 16.77 7 27.8 24 31
8 United Financial Holdings, St. Petersburg, FL Bank UFHI 243.5 8.02 16.74 8 27.8 25 33
9 Community Bankshares, Orangeburg, SC Bank SCB 273.3 8.47 14.51 18 44.1 16 34
10 Bank of Tidewater, Virginia Beach, VA Bank BKTI 239.2 8.36 17.32 5 20.0 32 37
11 Redding Bancorp, Redding, CA Bank RDDB 255.1 11.27 17.95 4 15.2 39 43
12 Glen Burnie Bancorp, Glen Burnie, MD Bank GLBZ 239.2 7.18 12.94 31 80.0 12 43
13 CNBC Bancorp, Worthington, OH Bank CNBD 263.9 8.15 14.70 15 20.5 29 44
14 Alpena Bancshares, Alpena, MI Thrift ALPN 267.0 7.29 11.37 41 138.9 6 47
15 Fauquier Bankshares, Warrenton, VA Bank FBSS 249.9 8.97 14.13 20 20.7 28 48
16 Plumas Bank, Quincy, CA Bank PLBA 243.6 7.46 14.91 13 17.8 36 49
17 Community Bank, Pilot Mountain, NC Bank CKPME 206.0 8.57 16.29 10 15.0 40 50
18 Americorp, Ventura, CA Bank AICA 266.5 9.57 15.17 12 16.1 38 50
19 Stewardship Financial Corp., Midland Park, NJ Bank SSFN 231.2 7.88 14.52 17 18.6 35 52
20 Central Valley Community Bancorp, Clovis, CA Bank CVCY 202.2 9.24 10.48 49 141.8 5 54
21 Benchmark Bankshares, Kenbridge, VA Bank BMRB 205.3 10.81 14.89 14 14.5 41 55
22 Beverly National Corp., Beverly, MA Bank BVNC 264.1 8.61 12.63 32 20.2 31 63
23 Laurel Capital Group, Allison Park, PA** Thrift LARL 254.1 9.15 14.27 19 12.2 46 65
24 Peoples Bancorp., Easley, SC Bank PBCE 259.5 9.95 9.89 54 85.7 11 65
25 Bank of the Northwest, Portland, OR Bank BKNW 249.5 6.37 9.17 62 150.0 3 65
26 Merrill Merchants Bancshares, Bangor, ME Bank MERB 246.4 9.45 11.94 34 20.0 33 67
27 Illini Corp., Springfield, IL Bank ILIN 240.0 8.06 9.42 59 104.1 8 67
28 Dimeco, Inc., Honesdale, PA Bank DIMC 215.0 9.09 13.50 25 12.8 45 70
29 Appalachian Bancshares, Ellijay, GA Bank APAB 270.9 6.52 10.83 46 22.2 26 72
30 Peoples Savings Bank of Troy, Troy, OH** Thrift PESV 204.6 9.41 13.63 23 10.7 50 73
31 Summit Financial Corp., Greenville, SC Bank SUMM 249.8 8.62 13.57 24 11.3 49 73
32 Idaho Independent Bank, Coeur D'Alene, ID Bank IIBK 239.8 9.88 10.42 50 29.5 23 73
33 Commercial National Financial Corp., Ithaca, MI Bank CEFC 215.9 9.32 14.68 16 4.9 59 75
34 HFS Bank, Hobart, IN* Thrift HFSK 203.7 7.32 12.51 33 14.3 42 75
35 CCF Holding Co., Jonesboro, GA Bank CCFH 228.4 5.97 10.12 53 29.8 22 75
36 Chesapeake Financial Shares, Kilmarnock, VA Bank CPKF 224.2 8.18 13.34 26 10.0 51 77
37 Salisbury Bancorp, Lakeville, CT Bank SAL 249.1 9.02 13.64 22 7.9 56 78
38 Salem Community Bankshares, Salem, VA Bank SCMY 212.4 9.30 12.97 30 11.6 48 78
39 MountainBank Financial Corp., Hendersonville, NC Bank MBFC 259.1 7.03 7.43 77 147.8 4 81
40 Pulaski Bancorp, Springfield, NJ Thrift PLSK 244.5 9.98 7.95 73 69.0 13 86
41 Community Central Bank Corp., Mount Clemens, MI Bank CCBD 211.6 8.84 7.93 74 57.1 14 88
42 ECB Bancorp, Engelhard, NC Bank ECBE 268.4 8.92 10.96 44 11.9 47 91
43 Bank West Financial Corp., Grand Rapids, MI** Thrift BWFC 268.4 8.28 4.97 91 557.1 1 92
44 FFW Corp., Wabash, IN** Thrift FFWC 219.0 8.96 11.83 36 7.5 57 93
45 First National Corp., Strasburg, VA Bank FXNC 229.3 8.43 11.90 35 4.7 60 95
46 Pointe Financial Corp., Boca Raton, FL Bank PNTE 244.5 10.93 6.84 80 51.8 15 95
47 Community National Bancorp., Ashburn, GA Bank CBAC 203.2 8.73 8.14 66 20.3 30 96
48 County Bank Corp., Lapeer, MI Bank CYBK 225.3 11.79 13.24 29 0.7 69 98
49 Killbuck Bancshares, Killbuck, OH Bank KLIB 262.0 12.11 10.98 43 8.9 55 98
50 F & M Bank Corp., Timberville, VA Bank FMBM 208.8 13.03 13.88 21 -3.9 78 99
51 PHS Bancorp, Beaver Falls, PA Thrift PHSB 265.3 10.87 7.95 72 21.1 27 99
52 Tower Financial Corp., Fort Wayne, IN Bank TOFC 212.4 10.54 5.04 90 100.0 10 100
53 Premier Community Bankshares, Winchester, VA Bank PREM 246.3 9.46 11.45 39 3.8 62 101
54 Four Oaks Fincorp, Four Oaks, NC Bank FOFN 258.3 9.81 13.24 28 -0.7 74 102
55 Jacksonville Savings Bank, Jacksonville, IL Thrift JXSB 227.9 9.05 8.11 68 19.7 34 102
56 Washington Savings Bank, Bowie, MD (7-31-2000) Thrift WSB 270.5 8.82 6.11 84 34.8 19 103
57 First Litchfield Financial Corp., Litchfield, CT Bank FLFL 264.8 6.43 11.40 40 2.8 64 104
58 Landmark Bancshares, Dodge City, KS*** Thrift LARK 250.7 9.44 10.23 51 9.1 53 104
59 HFB Financial Corp., Middlesboro, KY** Thrift HFBA 205.2 8.76 8.07 69 16.1 37 106
60 First West Virginia Bancorp, Wheeling, WV Bank FWV 207.9 8.77 13.33 27 -5.0 80 107
61 Mystic Financial, Medford, MA** Thrift MYST 263.9 11.06 5.37 87 31.7 20 107
62 SVB Financial Services, Somerville, NJ Bank SVBF 241.6 7.19 9.43 58 9.3 52 110
63 Jeffersonville Bancorp, Jeffersonville, NY Bank JFBC 273.3 9.19 11.64 38 -0.5 73 111
64 Federal Trust Corp., Winter Park, FL Thrift FDTR 248.9 6.31 8.02 70 13.6 43 113
65 Britton & Koontz Capital Corp., Natchez, MS Bank BKBK 270.1 9.45 10.70 47 1.6 67 114
66 Bank of Hampton Roads, Chesapeake, VA Bank BKHR 204.2 16.75 9.53 56 5.3 58 114
67 Community Bancorp., Derby, VT Bank CMTV 252.8 8.91 10.69 48 1.4 68 116
68 First Federal Bancorp, Zanesville, OH*** Thrift FFBZ 236.9 7.65 9.03 63 9.1 54 117
69 Pinnacle Bancshares, Jasper, AL Bank PLE 230.3 8.35 9.44 57 4.3 61 118
70 Wells Financial Corp., Wells, MN Thrift WEFC 221.8 10.07 7.92 75 13.0 44 119
71 Union Financial Bancshares, Union, SC*** Thrift UFBS 259.1 8.46 10.90 45 -1.7 75 120
72 North Bay Bancorp, Napa, CA Bank NBAN 247.5 10.76 11.71 37 -11.3 85 122
73 Highlands Bankshares, Petersburg, WV Bank HBSI 248.6 10.57 9.40 60 2.4 65 125
74 Southwest Georgia Financial Corp., Moultrie, GA Bank SGB 240.4 12.75 11.07 42 -10.3 84 126
75 CCFNB Bancorp, Bloomsburg, PA Bank CCFN 203.1 12.34 8.59 64 2.0 66 130
76 Combanc Inc., Delphos, OH Bank COBI 223.1 10.65 10.15 52 -4.7 79 131
77 Perpetual Federal Savings Bank, Urbana, OH*** Thrift PFOH 261.1 16.44 9.55 55 -1.8 76 131
78 Jefferson FS&LA of Morristown, Morristown, TN** Thrift JFSZ 230.6 11.68 9.19 61 0.0 70 131
79 HopFed Bancorp, Hopkinsville, KY Thrift HFBC 230.0 19.73 5.92 85 3.1 63 148
80 East Penn Bank, Emmaus, PA Bank EPEN 220.3 6.68 7.31 78 0.0 71 149
81 Commercial Bancshares, Upper Sandusky, OH Bank CMOH 262.8 7.07 8.11 67 -30.1 91 158
82 United Bancshares, Columbus Grove, OH Bank UBOH 256.8 7.42 8.48 65 -37.6 94 159
83 Bay Banks of Virginia, Kilmarnock, VA Bank BAYK 225.2 9.45 8.02 71 -25.1 88 159
84 Sturgis Bank & Trust Co., Sturgis, MI Thrift STURE 271.1 9.78 7.01 79 -9.2 83 162
85 FirstBank NW Corp., Lewiston, ID* Thrift FBNW 247.9 10.43 6.36 83 -6.2 81 164
86 Guaranty Financial Corp., Charlottesville, VA Bank GSLC 254.0 5.92 3.94 94 0.0 72 166
87 First Georgia Holding, Brunswick, GA*** Thrift FGHC 239.2 7.67 7.79 76 -34.5 92 168
88 Crescent Banking Co., Jasper, GA Bank CSNT 242.1 6.53 6.82 81 -19.7 87 168
89 Independence Federal Savings Bank, Washington Thrift IFSB 256.5 9.00 5.10 89 -7.1 82 171
90 Park Bancorp, Chicago Thrift PFED 235.2 12.45 5.86 86 -27.3 90 176
91 Cardinal Financial Corp., Fairfax, VA Bank CFNL 207.0 16.48 -11.04 99 -3.0 77 176
92 First Coastal Corp., Portland, ME Thrift FCME 219.1 8.39 6.52 82 -42.6 95 177
93 Community Financial Corp., Staunton, VA* Thrift CFFC 243.1 10.45 5.11 88 -26.8 89 177
94 Gaston Federal Bancorp, Gastonia, NC Thrift GBNK 252.8 15.73 4.47 93 -14.0 86 179
95 Northeast Indiana Bancorp, Huntington, IN Thrift NEIB 247.1 10.75 4.88 92 -48.7 96 188
96 Big Foot Financial Corp., Long Grove, IL** Thrift BFFC 215.7 13.27 1.43 97 -35.1 93 190
97 Commonwealth Bankshares, Norfolk, VA Bank CWBS 205.7 6.23 2.34 95 -75.0 98 193
98 Pathfinder Bancorp, Oswego, NY Thrift PBHC 231.8 9.04 1.79 96 -60.0 97 193
99 PSB Bancorp, Philadelphia Bank PSBI 254.8 14.12 0.45 98 -90.0 99 197
100 Prestige Bancorp, Pleasant Hills, PA Thrift PRBC 201.8 5.72 -20.76 100 -462.4 100 200

* 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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