U.S. BANKER RANKINGS       
Community Banking Companies — Fiscal Years 1998-2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $201.8 Mil. to $276.6 Mil.

3-Yr   3-Yr Av 3-Yr Av 3-Yr EPS 3-Yr EPS 3-Yr
Rank Company ROAE ROAE Av Growth+ Av Growth+ TOTAL
    (%) Rank (%) Rank SCORE
1 MCB Financial Corp., San Rafael, CA 16.50 4 34.4 11 15
2 Bridge View Bancorp, Englewood Cliffs, NJ 17.53 2 24.1 18 20
3 United Financial Holdings, St. Petersburg, FL 15.40 6 22.1 20 26
4 CNBC Bancorp, Worthington, OH 15.21 7 20.6 26 33
5 Commercial National Financial Corp., Ithaca, MI 14.58 11 20.6 25 36
6 Americorp, Ventura, CA 12.16 30 48.7 6 36
7 Peoples Savings Bank of Troy, Troy, OH** 13.36 22 25.4 17 39
8 Lenawee Bancorp, Adrian, MI 13.10 23 28.6 16 39
9 Valencia Bank & Trust, Santa Clarita, CA 12.71 25 30.0 14 39
10 Tower Bancorp, Greencastle, PA 14.88 8 14.9 36 44
11 HFS Bank, Hobart, IN* 12.07 32 29.1 15 47
12 National Mercantile Bancorp, Los Angeles 11.18 44 146.6 3 47
13 Summit Financial Corp., Greenville, SC 13.72 18 16.5 31 49
14 Stewardship Financial Corp., Midland Park, NJ 13.74 17 15.9 33 50
15 Redding Bancorp, Redding, CA 17.86 1 9.0 51 52
16 Community Bank, Pilot Mountain, NC 16.91 3 9.2 49 52
17 Laurel Capital Group, Allison Park, PA** 13.63 20 16.5 32 52
18 Community Bankshares, Orangeburg, SC 11.51 40 32.0 12 52
19 Plumas Bank, Quincy, CA 14.31 12 12.8 41 53
20 Salem Community Bankshares, Salem, VA 12.35 29 21.2 24 53
21 Eufaula BancCorp, Eufaula, AL 10.17 50 56.2 4 54
22 Bank of Tidewater, Virginia Beach, VA 16.13 5 8.8 52 57
23 Four Oaks Fincorp, Four Oaks, NC 14.06 14 11.2 44 58
24 Combanc Inc., Delphos, OH 10.70 47 31.2 13 60
25 Crescent Banking Co., Jasper, GA 13.80 16 10.5 45 61
26 Fauquier Bankshares, Warrenton, VA 12.75 24 14.4 37 61
27 F & M Bank Corp., Timberville, VA 14.78 9 7.2 57 66
28 Dimeco, Inc., Honesdale, PA 13.41 21 10.1 46 67
29 Glen Burnie Bancorp, Glen Burnie, MD 9.15 63 55.4 5 68
30 Jeffersonville Bancorp, Jeffersonville, NY 11.47 41 18.9 28 69
31 Salisbury Bancorp, Lakeville, CT 12.62 27 11.3 43 70
32 CCF Holding Co., Jonesboro, GA 8.08 69 149.8 2 71
33 First West Virginia Bancorp, Wheeling, WV 14.13 13 7.0 60 73
34 Chesapeake Financial Shares, Kilmarnock, VA 12.15 31 12.0 42 73
35 North Bay Bancorp, Napa, CA 13.64 19 8.0 56 75
36 FFW Corp., Wabash, IN** 11.01 45 18.1 30 75
37 Idaho Independent Bank, Coeur D'Alene, ID 9.98 52 21.3 23 75
38 Benchmark Bankshares, Kenbridge, VA 14.61 10 3.0 68 78
39 Community Central Bank Corp., Mount Clemens, MI 7.93 71 40.3 8 79
40 Alpena Bancshares, Alpena, MI 7.89 72 41.1 7 79
41 Independence Federal Savings Bank, Washington 9.53 59 21.5 22 81
42 Merrill Merchants Bancshares, Bangor, ME 11.81 35 9.8 47 82
43 County Bank Corp., Lapeer, MI 14.06 15 1.5 69 84
44 Federal Trust Corp., Winter Park, FL 6.87 78 39.4 9 87
45 First National Corp., Strasburg, VA 11.61 38 9.1 50 88
46 Bank West Financial Corp., Grand Rapids, MI** 3.10 87 156.7 1 88
47 Appalachian Bancshares, Ellijay, GA 11.65 37 8.6 53 90
48 Illini Corp., Springfield, IL 5.97 82 34.8 10 92
49 Premier Community Bankshares, Winchester, VA 12.56 28 3.5 67 95
50 Beverly National Corp., Beverly, MA 12.02 33 6.0 63 96
51 Southwest Georgia Financial Corp., Moultrie, GA 12.69 26 -0.8 73 99
52 Landmark Bancshares, Dodge City, KS*** 9.28 61 13.6 39 100
53 Park Bancorp, Chicago 6.44 80 21.7 21 101
54 Peoples Bancorp., Easley, SC 8.14 67 15.2 35 102
55 First Litchfield Financial Corp., Litchfield, CT 11.52 39 4.9 64 103
56 Jacksonville Savings Bank, Jacksonville, IL 7.14 77 19.5 27 104
57 Central Valley Community Bancorp, Clovis, CA 4.16 85 24.0 19 104
58 ECB Bancorp, Engelhard, NC 10.67 48 6.8 61 109
59 East Penn Bank, Emmaus, PA 7.70 75 15.7 34 109
60 First Georgia Holding, Brunswick, GA*** 11.81 36 -1.4 74 110
61 Washington Savings Bank, Bowie, MD (7-31-2000) 6.09 81 18.8 29 110
62 Union Financial Bancshares, Union, SC*** 10.88 46 3.8 65 111
63 Jefferson FS&LA of Morristown, Morristown, TN** 9.75 54 7.1 58 112
64 First Coastal Corp., Portland, ME 9.59 57 8.3 55 112
65 SVB Financial Services, Somerville, NJ 9.15 64 9.3 48 112
66 Killbuck Bancshares, Killbuck, OH 11.34 43 1.2 71 114
67 Highlands Bankshares, Petersburg, WV 9.49 60 8.4 54 114
68 HFB Financial Corp., Middlesboro, KY** 7.87 74 13.2 40 114
69 Bank of Hampton Roads, Chesapeake, VA 9.74 55 6.6 62 117
70 United Bancshares, Columbus Grove, OH 11.84 34 -14.7 84 118
71 Britton & Koontz Capital Corp., Natchez, MS 11.38 42 -2.0 76 118
72 Community Bancorp., Derby, VT 10.61 49 1.5 70 119
73 Perpetual Federal Savings Bank, Urbana, OH*** 9.98 53 3.5 66 119
74 Pointe Financial Corp., Boca Raton, FL 5.55 83 14.1 38 121
75 Wells Financial Corp., Wells, MN 8.11 68 7.0 59 127
76 Commercial Bancshares, Upper Sandusky, OH 10.09 51 -5.0 80 131
77 Community National Bancorp., Ashburn, GA 9.68 56 -1.8 75 131
78 CCFNB Bancorp, Bloomsburg, PA 8.68 66 1.1 72 138
79 Bay Banks of Virginia, Kilmarnock, VA 9.58 58 -5.5 82 140
80 Pinnacle Bancshares, Jasper, AL 9.17 62 -3.8 78 140
81 First Federal Bancorp, Zanesville, OH*** 8.70 65 -2.8 77 142
82 Northeast Indiana Bancorp, Huntington, IN 8.06 70 -5.0 81 151
83 Sturgis Bank & Trust Co., Sturgis, MI 7.88 73 -5.0 79 152
84 Commonwealth Bankshares, Norfolk, VA 7.29 76 -18.3 85 161
85 Community Financial Corp., Staunton, VA* 6.54 79 -7.5 83 162
86 Guaranty Financial Corp., Charlottesville, VA 4.55 84 -29.5 86 170
87 Pathfinder Bancorp, Oswego, NY 3.75 86 -37.7 87 173
88 Prestige Bancorp, Pleasant Hills, PA -3.43 88 -146.4 88 176

* 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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