U.S. BANKER RANKINGS       
The Third Hundred Largest Community Banking Companies — Fiscal Years 1998-2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $671 Mil. to $494 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 Nara Bancorp, Los Angeles 20.44 4 54.21 11 15
2 Northern Empire Bancshares, Santa Rosa, CA 21.96 2 25.94 17 19
3 PVF Capital Corp., Bedford Heights, OH** 18.26 6 24.55 19 25
4 GreatBanc, Aurora, IL 13.97 21 133.67 6 27
5 Humboldt Bancorp, Eureka, CA 15.61 12 22.45 20 32
6 Pacific Crest Capital, Agoura Hills, CA 17.77 8 18.98 25 33
7 Bancorp Connecticut, Southington, CT 16.54 9 15.15 29 38
8 CoBiz Inc., Denver 13.26 28 39.65 14 42
9 Peapack-Gladstone Financial Corp., Gladstone, NJ 15.59 13 15.09 30 43
10 City Bank, Lynnwood, WA 18.03 7 12.61 38 45
11 First Mutual Bancshares, Bellevue, WA 15.88 11 12.76 37 48
12 Summit Bancshares, Fort Worth, TX 18.61 5 10.17 44 49
13 Wayne Bancorp, Wooster, OH 13.86 22 15.57 28 50
14 American Bus. Fin. Services, Bala Cynwyd, PA** 23.29 1 8.95 51 52
15 Princeton National Bancorp, Princeton, IL 12.60 39 41.27 13 52
16 Chester Valley Bancorp, Downingtown, PA** 12.64 38 27.32 15 53
17 First State Bancorporation, Albuquerque, NM 12.74 36 22.44 21 57
18 Franklin Financial Corp., Franklin, TN 20.60 3 7.27 56 59
19 IBT Bancorp, Irwin, PA 16.46 10 9.06 49 59
20 American National Bankshares, Danville, VA 14.23 20 12.47 39 59
21 Civic BanCorp, Oakland, CA 13.46 25 14.37 34 59
22 First of Long Island Corp., Glen Head, NY 14.24 19 11.11 42 61
23 Foothill Independent Bancorp, Glendora, CA 12.83 35 16.37 26 61
24 LNB Bancorp, Lorain, OH 15.19 16 9.60 47 63
25 Peoples Bancorp of North Carolina, Newton, NC 12.11 48 26.73 16 64
26 North Country Financial Corp., Traverse City, MI 13.41 26 11.12 41 67
27 Fidelity Bancorp, Pittsburgh*** 12.59 40 16.35 27 67
28 Commercial Bankshares, Miami 12.97 33 14.00 35 68
29 First National Community Bancorp, Dunmore, PA 15.52 14 7.27 55 69
30 Southern Financial Bancorp, Warrenton, VA 10.23 62 121.26 7 69
31 Royal Bancshares of Pennsylvania, Narberth, PA 12.96 34 13.64 36 70
32 Bank of the Sierra, Porterville, CA 15.40 15 7.23 57 72
33 American West Bancorp., Spokane, WA 14.66 18 7.28 54 72
34 First Chester County Corp., West Chester, PA 13.54 24 9.51 48 72
35 FNB Corp., Christiansburg, VA 13.84 23 9.06 50 73
36 Greater Community Bancorp, Totowa, NJ 12.43 44 14.48 33 77
37 Fidelity Bancorp, Chicago*** 8.94 71 119.77 8 79
38 Castle BancGroup, De Kalb, IL 7.40 80 427.81 3 83
39 Vail Banks, Vail, CO 8.48 75 58.19 9 84
40 BNCCORP, Bismarck, ND 6.91 81 275.08 5 86
41 NewMil Bancorp, New Milford, CT 9.81 64 19.88 24 88
42 Colony Bankcorp, Fitzgerald, GA 13.02 31 7.13 58 89
43 Credit Acceptance Corp., Southfield, MI 4.85 87 617.76 2 89
44 CoVest Bancshares, Des Plaines, IL 8.80 72 25.78 18 90
45 Horizon Bancorp, Michigan City, IN 4.84 88 319.04 4 92
46 Ledger Capital Corp., Gelndale, WI** 8.97 70 19.90 23 93
47 First South Bancorp, Washington, NC*** 6.38 83 55.50 10 93
48 Resource America, Philadelphia*** 10.79 55 11.64 40 95
49 Bank of Granite Corp., Granite Falls, NC 13.39 27 3.36 71 98
50 FLAG Financial Corp., LaGrange, GA 5.09 86 47.97 12 98
51 Virginia Financial Corp., Staunton, VA 13.09 29 3.47 70 99
52 National Bancshares Corp. of Texas, San Antonio, TX 8.31 77 20.55 22 99
53 First Federal Financial Corp., Elizabethtown, KY** 10.97 54 9.75 46 100
54 National Bankshares, Blacksburg, VA 12.47 43 6.36 60 103
55 Shore Bancshares, Easton, MD 11.45 51 8.28 52 103
56 Cass Information Systems, Bridgeton, MO 12.47 42 5.41 63 105
57 ACNB Corp., Gettysburg, PA 13.04 30 1.52 78 108
58 Tri City Bankshares Corp., Oak Creek, WI 12.11 47 5.91 61 108
59 James River Bankshares, Suffolk, VA 9.56 67 10.75 43 110
60 Yonkers Financial Corp., Yonkers, NY*** 7.68 79 14.82 31 110
61 United Security Bancshares, Thomasville, AL 12.98 32 0.11 79 111
62 Northrim Bank, Anchorage, AK 12.73 37 2.05 75 112
63 Center Bancorp, Union, NJ 12.54 41 3.34 72 113
64 Alliance Financial Corp., Cortland, NY 9.44 68 10.15 45 113
65 Habersham Bancorp, Cornelia, GA 6.65 82 14.80 32 114
66 South Alabama Bancorp., Mobile, AL 10.49 57 6.68 59 116
67 Northern States Financial Corp., Waukegan, IL 11.84 49 4.32 68 117
68 Merchants & Manufacturers Bancorp., New Berlin, WI 9.61 66 8.03 53 119
69 Westbank Corp., West Springfield, MA 12.24 46 2.39 74 120
70 First Mid-Illinois Bancshares, Mattoon, IL 10.36 60 4.88 64 124
71 Ohio Valley Banc Corp., Gallipolis, OH 10.42 58 4.37 67 125
72 CNB Financial Corp., Clearfield, PA 10.23 63 5.84 62 125
73 DCB Financial Corp., Delaware, OH 12.31 45 -0.87 81 126
74 CENIT Bancorp, Norfolk, VA 11.73 50 1.96 76 126
75 InterCounty Bancshares, Wilmington, OH 11.42 52 -5.03 83 135
76 Peoples BancTrust Co., Selma, AL 9.72 65 3.04 73 138
77 Republic First Bancorp, Philadelphia 10.66 56 -5.37 84 140
78 Mahaska Investment Co., Oskaloosa, IA 8.50 74 4.56 66 140
79 North Valley Bancorp, Redding, CA 11.25 53 -22.35 90 143
80 Farmers National Banc Corp., Canfield, OH 10.39 59 -7.22 86 145
81 Ameriana Bancorp, New Castle, IN 8.25 78 4.24 69 147
82 FNB Corp., Asheboro, NC 10.32 61 -12.59 88 149
83 Team Financial, Paola, KS 9.36 69 -0.41 80 149
84 First Liberty Bank Corp., Jermyn, PA 8.38 76 1.52 77 153
85 HPSC, Inc., Boston 4.21 90 4.61 65 155
86 Peoples Financial Corp., Biloxi, MS 8.78 73 -5.46 85 158
87 First Midwest Financial, Storm Lake, IA*** 6.25 84 -9.71 87 171
88 Success Bancshares, Lincolnshire, IL 4.45 89 -2.82 82 171
89 Franklin Bank, Southfield, MI 5.73 85 -17.51 89 174
90 Ugly Duckling Corp., Phoenix 2.66 91 -147.17 91 182

* 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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