U.S. BANKER RANKINGS       
The Second Hundred Largest Community Banking Companies — Fiscal Years 1998-2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $1.12 Bil. to $673 Mil.
As of Dec. 31, 2000, except where otherwise noted

    3-Yr 3-Yr 3-Yr EPS 3-Yr EPS 3-Yr
3-Yr   ROAE ROAE Growth Growth TOTAL
RANK Company (%) RANK (%) RANK SCORE
1 People's Bancshares, New Bedford, MA 22.64 1 22.38 18 19
2 Boston Private Financial Holdings, Boston 18.52 7 31.95 13 20
3 Hanmi Financial Corp., Los Angeles 18.66 4 22.33 19 23
4 S.Y. Bancorp, Louisville, KY 20.54 2 21.05 23 25
5 UNB Corp., Canton, OH 17.97 9 21.77 21 30
6 Coastal Financial Corp., Myrtle Beach, SC*** 19.45 3 13.67 36 39
7 Suffolk Bancorp, Riverhead, NY 18.66 5 14.90 34 39
8 Centennial Bancorp, Eugene, OR 18.25 8 15.21 32 40
9 Granite State Bankshares, Keene, NH 13.81 35 104.44 6 41
10 Prosperity Bancshares, Houston 16.18 15 17.25 27 42
11 TriCo Bancshares, Chico, CA 14.81 28 29.52 14 42
12 NASB Financial, Grandview, MO*** 18.57 6 11.80 40 46
13 Community Banks, Millersburg, PA 15.10 23 18.35 25 48
14 State Bancorp, New Hyde Park, NY 16.24 14 14.13 35 49
15 Progress Financial Corp., Blue Bell, PA 14.80 29 21.20 22 51
16 American Bank of Connecticut, Waterbury, CT 17.21 10 11.68 43 53
17 Century Bancorp, Medford, MA 14.99 25 15.90 28 53
18 Main Street Banks, Kennesaw, GA 15.59 17 13.63 37 54
19 Home Federal Bancorp, Seymour, IN** 15.21 22 15.07 33 55
20 MetroWest Bank, Farmingham, MA 16.59 13 11.65 44 57
21 Capital Crossing Bank, Boston 15.74 16 11.79 41 57
22 Arrow Financial Corp., Glens Falls, NY 17.04 11 11.28 47 58
23 Oak Hill Financial, Jackson, OH 12.43 43 24.77 17 60
24 Capital Corp of the West, Merced, CA 10.72 61 190.27 3 64
25 Cascade Financial Corp., Everett, WA** 11.55 55 55.72 10 65
26 Central Coast Bancorp, Salinas, CA 15.50 18 10.75 50 68
27 Vista Bancorp, Phillipsburg, NJ 13.01 39 15.44 30 69
28 Farmers & Merchants, Lodi, CA 11.40 57 45.38 12 69
29 Lafayette Bancorp., Lafayette, IN 13.85 34 12.91 39 73
30 Camden National Corp., Camden, ME 14.89 26 11.25 48 74
31 Merchants Bancshares, Burlington, VT 16.77 12 7.79 64 76
32 Interchange Financial Services Corp., Saddle Brook, NJ 15.41 20 8.71 60 80
33 PennRock Financial Services Corp., Blue Ball, PA 15.39 21 8.73 59 80
34 Firstbank Corp., Alma, MI 13.28 38 11.75 42 80
35 HF Financial Corp., Sioux Falls, SD** 8.33 77 151.66 4 81
36 SJNB Financial Corp., San Jose, CA 14.82 27 9.03 55 82
37 FVNB Corp., Victoria, TX 11.52 56 18.27 26 82
38 Hills Bancorp., Hills, IA 14.45 31 9.16 54 85
39 Bancorp Rhode Island, Providence, RI 9.75 69 26.05 16 85
40 Lakeland Bancorp, Oak Ridge, NJ 10.70 62 19.81 24 86
41 Glacier Bancorp, Kalispell, MT 15.46 19 6.58 68 87
42 First Defiance Financial Corp., Defiance, OH 8.07 81 73.19 7 88
43 Banc Corp., Birmingham, AL 3.62 88 286.36 1 89
44 First United Corp., Oakland, MD 13.30 37 9.33 53 90
45 ABC Bancorp, Moultrie, GA 11.73 52 12.95 38 90
46 LSB Bancshares, Lexington, NC 12.49 42 11.00 49 91
47 Fidelity National Corp., Atlanta 7.67 83 63.07 8 91
48 Umpqua Holdings Corp., Roseburg, OR 12.88 41 10.31 51 92
49 Heritage Commerce Corp., San Jose, CA 9.45 72 22.15 20 92
50 First National Corp., Orangeburg, SC 12.04 48 11.42 45 93
51 Abington Bancorp, Abington, MA 13.75 36 8.81 58 94
52 HMN Financial, Spring Valley, MN 8.12 80 28.30 15 95
53 State Financial Services Corp., Hales Corners, WI 3.20 90 143.46 5 95
54 Aames Financial Corp., Los Angeles** -70.46 93 220.44 2 95
55 Baylake Corp., Sturgeon Bay, WI 14.23 32 7.28 66 98
56 Ambanc Holding Co., Amsterdam, NY 3.85 87 53.22 11 98
57 First Mariner Bancorp, Baltimore 3.41 89 59.39 9 98
58 American Bancorp., Wheeling, WV 15.07 24 2.00 75 99
59 Bank of the Ozarks, Little Rock, AR 14.61 30 5.67 69 99
60 Chemung Financial Corp., Elmira, NY 12.31 46 8.91 56 102
61 PrivateBancorp, Chicago 9.57 71 15.29 31 102
62 MetroCorp Bancshares, Houston 13.90 33 5.53 70 103
63 FFLC Bancorp, Leesburg, FL 9.17 75 15.63 29 104
64 First National Bancorp, Joliet, IL 12.33 45 7.87 62 107
65 First Bell Bancorp, Pittsburgh 11.71 53 8.84 57 110
66 Rurban Financial Corp., Defiance, OH 11.93 49 7.84 63 112
67 First Bancorp, Troy, NC 12.88 40 0.73 78 118
68 TF Financial Corp., Newtown, PA 8.52 76 11.31 46 122
69 Camco Financial Corp., Cambridge, OH 10.57 63 8.11 61 124
70 CNB Financial Corp., Canajoharie, NY 12.34 44 -1.31 81 125
71 Citizens & Northern Corp., Wellsboro, PA 12.17 47 -4.32 83 130
72 FMS Financial Corp., Burlington, NJ 11.78 51 -0.35 79 130
73 MASSBANK Corp., Reading, MA 10.55 64 6.78 67 131
74 NBC Capital Corp., Starkville, MS 10.17 66 7.36 65 131
75 Omega Financial Corp., State College, PA 11.28 58 1.85 76 134
76 Drovers Bancshares Corp., York, PA 11.91 50 -9.60 86 136
77 First Federal Bancshares of Arkansas, Harrison, AR 7.42 84 9.96 52 136
78 Sun Bancorp, Selinsgrove, PA 11.58 54 -14.00 90 144
79 PAB Bankshares, Valdosta, GA 11.20 59 -6.29 85 144
80 Southside Bancshares Corp., St. Louis 10.14 67 1.20 77 144
81 FNB Financial Services Corp., Reidsville, NC 9.33 73 4.86 71 144
82 Exchange National Bancshares, Jefferson City, MO 9.21 74 4.79 72 146
83 First M & F Corp., Kosciusko, MS 10.94 60 -10.96 88 148
84 Horizon Financial Corp., Bellingham, WA* 9.83 68 -0.52 80 148
85 Columbia Bancorp, Columbia, MD 10.34 65 -6.02 84 149
86 Union Bankshares Corp., Bowling Green, VA 9.62 70 -1.32 82 152
87 GA Financial, Pittsburgh 7.71 82 2.59 74 156
88 Klamath First Bancorp, Klamath Falls, OR*** 6.63 86 3.77 73 159
89 UnionBancorp, Ottawa, IL 8.30 78 -10.32 87 165
90 German American Bancorp, Jasper, IN 8.27 79 -13.89 89 168
91 Premier Financial Bancorp, Georgetown, KY 7.29 85 -30.21 91 176
92 Resource Bancshares Mortgage Grp, Columbia, SC 0.11 91 -314.30 93 184
93 AMRESCO, Dallas -41.96 92 -129.41 92 184

* 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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