U.S. BANKER RANKINGS       
The First One Hundred Largest Community Banks — Fiscal Years 1998-2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $2.023 Bil. to $1.091 Bil.
As of Dec. 31, 2000, except where otherwise noted.

    3-Yr 3-Yr 3-Yr EPS 3-Yr EPS TOTAL
3-Yr   ROAE ROAE Growth Growth SCORE
Rank Company (%) RANK (%) RANK  
1 AmeriCredit Corp., Fort Worth, TX** 20.90 3 45.91 8 11
2 Great Southern Bancorp, Springfield, MO 21.62 1 26.82 19 20
3 GBC Bancorp, Los Angeles 20.96 2 21.66 24 26
4 Southside Bancshares, Tyler, TX 18.18 8 27.11 18 26
5 Parkvale Financial Corp., Monroeville, PA** 15.37 19 29.18 14 33
6 Financial Federal Corp., New York (7-31-2000) 16.19 15 23.96 20 35
7 Sterling Bancshares, Houston 17.40 9 19.27 28 37
8 U.S.B. Holding Co., Orangeburg, NY 16.43 12 21.16 27 39
9 Southwest Bancorp, Stillwater, OK 14.35 34 50.40 7 41
10 Mississippi Valley Bancshares, St. Louis 18.47 6 15.90 36 42
11 Hawthorne Financial Corp., El Segundo, CA 14.82 30 30.49 12 42
12 Midwest Banc Holdings, Melrose Park, IL 17.19 10 16.86 34 44
13 XTRA Corp., Westport, CT*** 14.36 33 37.53 11 44
14 Frontier Financial Corp., Everett, WA 18.95 5 14.87 40 45
15 MB Financial, Chicago 12.94 47 54.80 6 53
16 Community Banks, Millersburg, PA 15.10 25 18.35 30 55
17 CCBT Financial Cos., South Yarmouth, MA 18.22 7 12.23 49 56
18 Sandy Spring Bancorp, Olney, MD 15.91 17 13.74 42 59
19 Quaker City Bancorp, Whittier, CA** 11.67 54 70.98 5 59
20 Eagle Bancshares, Tucker, GA* 12.21 51 41.65 9 60
21 Independent Bank, Ionia, MI 11.52 58 280.02 2 60
22 Andover Bancorp, Andover, MA 15.12 23 15.28 38 61
23 Seacoast Banking Corp. of Florida, Stuart, FL 13.46 41 21.53 25 66
24 Community Bank System, DeWitt, NY 15.26 20 12.43 48 68
25 Mid-State Bancshares, Arroyo Grande, CA 15.17 21 12.91 47 68
26 Univest Corp. of Pennsylvania, Souderton, PA 15.12 24 13.27 45 69
27 Yardville National Bancorp, Hamilton, NJ 14.98 28 14.56 41 69
28 ITLA Capital Corp., La Jolla, CA 13.90 36 16.96 33 69
29 Sterling Bancorp, New York 14.29 35 16.17 35 70
30 Oriental Financial Group, Rio Piedras, PR** 20.68 4 7.20 67 71
31 Allegiant Bancorp, St. Louis 11.45 59 30.32 13 72
32 Harleysville National Corp., Harleysville, PA 16.38 13 9.16 60 73
33 First Busey Corp., Urbana, IL 15.09 26 11.67 51 77
34 VIB Corp., El Centro, CA 11.58 55 22.22 23 78
35 DVI, Inc., Jamison, PA** 11.39 62 27.95 16 78
36 First Essex Bancorp, Andover, MA 13.42 42 14.99 39 81
37 PennFed Financial Services, West Orange, NJ** 11.20 68 28.80 15 83
38 Tompkins Trustco, Ithaca, NY 16.12 16 7.18 68 84
39 Lakeland Financial Corp., Warsaw, IN 15.68 18 7.22 66 84
40 First Financial Bankshares, Abilene, TX 14.91 29 10.41 56 85
41 Provident Financial Holdings, Riverside, CA** 8.93 83 92.04 3 86
42 Independent Bank Corp., Rockland, MA 16.29 14 4.32 74 88
43 Financial Institutions, Warsaw, NY 14.78 31 9.85 57 88
44 Medford Bancorp, Medford, MA 13.52 39 11.30 53 92
45 IBERIABANK Corp., New Iberia, LA 9.02 82 41.53 10 92
46 CB Bancshares, Honolulu 5.41 92 1228.75 1 93
47 NetBank, Alpharetta, GA 5.90 90 81.46 4 94
48 WSFS Financial Corp., Wilmington, DE 17.03 11 -2.36 84 95
49 BancFirst Ohio Corp., Zanesville, OH 13.75 37 9.40 58 95
50 Old Second Bancorp, Aurora, IL 12.15 52 13.42 43 95
51 Century South Banks, Alpharetta, GA 11.94 53 13.41 44 97
52 CPB Inc., Honolulu 11.42 60 15.60 37 97
53 Banner Corp., Walla Walla, WA 9.35 81 27.15 17 98
54 First Community Bancshares, Bluefield, VA 14.98 27 5.85 73 100
55 Flushing Financial Corp., Flushing, NY 9.43 78 23.47 22 100
56 Washington Trust Bancorp, Westerly, RI 14.58 32 7.17 69 101
57 Peoples Bancorp, Marietta, OH 13.47 40 8.60 61 101
58 Alliance Bancorp, Hinsdale, IL 10.48 73 17.12 32 105
59 BostonFed Bancorp, Burlington, MA 9.94 76 17.48 31 107
60 Second Bancorp, Warren, OH 7.71 88 23.91 21 109
61 Matrix Bancorp, Denver 15.17 22 -9.79 88 110
62 Capitol Bancorp Ltd., Lansing, MI 11.54 57 11.08 54 111
63 OceanFirst Financial Corp., Toms River, NJ 8.57 85 21.25 26 111
64 Sterling Financial Corp., Lancaster, PA 13.73 38 4.16 75 113
65 Capital City Bank Group, Tallahassee, FL 12.33 49 7.85 64 113
66 Sun Bancorp, Vineland, NJ 11.41 61 11.43 52 113
67 Commonwealth Bancorp, Noristown, PA 8.38 86 19.23 29 115
68 MBT Financial Corp., Monroe, MI 13.11 45 6.71 72 117
69 First Merchants Corp., Muncie, IN 12.98 46 7.00 71 117
70 Indiana United Bancorp, Greensburg, IN 12.28 50 3.93 76 126
71 National City Bancorp., Minneapolis 11.36 63 7.92 63 126
72 Republic Bancorp, Louisville, KY 13.16 44 -0.78 83 127
73 Fidelity Bankshares, West Palm Beach, FL 9.78 77 12.21 50 127
74 First Oak Brook Bancshares, Oak Brook, IL 13.21 43 -3.43 85 128
75 Commercial Bank of New York 8.90 84 12.96 46 130
76 Simmons First National Corp., Pine Bluff, AR 11.19 69 8.01 62 131
77 ESB Financial Corp., Ellwood City, PA 10.25 74 9.28 59 133
78 West Coast Bancorp, Lake Oswego, OR 12.56 48 -3.46 86 134
79 Chemical Financial Corp., Midland, MI 11.29 64 7.04 70 134
80 First Federal S&L, East Hartford, CT 9.35 79 10.72 55 134
81 F&M Bancorp, Frederick, MD 10.60 70 7.43 65 135
82 Farmers Capital Bank Corp., Frankfort, KY 11.56 56 1.98 81 137
83 Peoples Holding Co., Tupelo, MS 11.25 66 2.05 80 146
84 Columbia Banking System, Tacoma, WA 11.24 67 2.87 79 146
85 Omega Financial Corp., State College, PA 11.28 65 1.85 82 147
86 Heartland Financial USA, Dubuque, IA 10.52 72 3.88 77 149
87 USBANCORP, Johnstown, PA 10.57 71 -30.88 91 162
88 Metropolitan Financial Corp., Mayfield Heights, OH 10.18 75 -28.38 90 165
89 First National Bank, Anchorage 8.06 87 3.53 78 165
90 Mid-America Bancorp, Louisville, KY 9.35 80 -19.31 89 169
91 Patriot Bank Corp., Pottstown, PA 5.56 91 -9.49 87 178
92 Main Street Bancorp, Reading, PA 5.92 89 -51.89 92 181

* 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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