U.S. BANKER RANKINGS       
The Third Hundred Largest Community Banking Companies — Fiscal Years 1996-2000
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

    5-Yr 5-Yr 5-Yr EPS 5-Yr EPS 5-Yr
5-Yr   ROAE ROAE Growth Growth TOTAL
RANK Company (%) RANK (%) RANK SCORE
1 Franklin Financial Corp., Franklin, TN 21.45 1 34.36 12 13
2 City Bank, Lynnwood, WA 18.69 2 14.29 26 28
3 PVF Capital Corp., Bedford Heights, OH** 17.68 4 16.01 24 28
4 Resource America, Philadelphia*** 14.61 12 24.38 16 28
5 GreatBanc, Aurora, IL 13.44 21 79.13 8 29
6 Summit Bancshares, Fort Worth, TX 18.56 3 14.21 27 30
7 Bancorp Connecticut, Southington, CT 14.96 8 16.48 23 31
8 Pacific Crest Capital, Agoura Hills, CA 16.06 5 13.77 28 33
9 Republic First Bancorp, Philadelphia 13.33 24 40.13 11 35
10 First Mutual Bancshares, Bellevue, WA 15.71 6 12.85 31 37
11 Peapack-Gladstone Financial Corp., Gladstone, NJ 14.68 10 12.28 32 42
12 Civic BanCorp, Oakland, CA 13.36 23 18.50 20 43
13 LNB Bancorp, Lorain, OH 14.76 9 11.36 35 44
14 Princeton National Bancorp, Princeton, IL 11.45 42 196.90 3 45
15 First National Community Bancorp, Dunmore, PA 15.45 7 9.63 41 48
16 First State Bancorporation, Albuquerque, NM 12.59 31 23.54 17 48
17 Northrim Bank, Anchorage, AK 13.30 25 15.16 25 50
18 First of Long Island Corp., Glen Head, NY 13.92 16 10.51 37 53
19 American West Bancorp., Spokane, WA 14.61 13 7.57 46 59
20 American National Bankshares, Danville, VA 13.07 29 13.20 30 59
21 Fidelity Bancorp, Pittsburgh*** 11.03 46 27.74 14 60
22 Foothill Independent Bancorp, Glendora, CA 12.55 32 13.27 29 61
23 Commercial Bankshares, Miami 9.67 55 96.73 7 62
24 First Chester County Corp., West Chester, PA 13.52 20 8.35 43 63
25 Colony Bankcorp, Fitzgerald, GA 12.86 30 12.14 33 63
26 Peoples Bancorp of North Carolina, Newton, NC 11.06 45 22.88 19 64
27 FNB Corp., Christiansburg, VA 14.06 15 6.93 50 65
28 CENIT Bancorp, Norfolk, VA 10.95 47 23.31 18 65
29 Credit Acceptance Corp., Southfield, MI 6.77 65 357.50 2 67
30 Bank of Granite Corp., Granite Falls, NC 14.67 11 5.63 57 68
31 Wayne Bancorp, Wooster, OH 13.12 28 10.08 40 68
32 Royal Bancshares of Pennsylvania, Narberth, PA 12.47 34 11.43 34 68
33 DCB Financial Corp., Delaware, OH 13.39 22 6.62 51 73
34 BNCCORP, Bismarck, ND 6.52 68 163.75 5 73
35 Horizon Bancorp, Michigan City, IN 6.25 69 186.38 4 73
36 Ledger Capital Corp., Gelndale, WI** 8.18 61 28.69 13 74
37 Fidelity Bancorp, Chicago*** 6.55 67 56.07 9 76
38 Greater Community Bancorp, Totowa, NJ 11.96 39 10.40 38 77
39 Virginia Financial Corp., Staunton, VA 13.82 17 4.72 61 78
40 National Bancshares Corp. of Texas, San Antonio, TX 9.04 56 16.88 22 78
41 CoVest Bancshares, Des Plaines, IL 6.95 63 24.52 15 78
42 Northern States Financial Corp., Waukegan, IL 11.86 40 10.17 39 79
43 HPSC, Inc., Boston 3.69 73 162.17 6 79
44 FLAG Financial Corp., LaGrange, GA 5.89 70 47.67 10 80
45 Merchants & Manufacturers Bancorp., New Berlin, WI 8.53 60 17.14 21 81
46 ACNB Corp., Gettysburg, PA 13.61 19 3.47 64 83
47 National Bankshares, Blacksburg, VA 12.40 36 7.36 47 83
48 United Security Bancshares, Thomasville, AL 13.74 18 1.50 66 84
49 Tri City Bankshares Corp., Oak Creek, WI 12.39 37 7.34 48 85
50 North Valley Bancorp, Redding, CA 14.30 14 -8.14 72 86
51 Cass Information Systems, Bridgeton, MO 13.17 27 5.43 59 86
52 Center Bancorp, Union, NJ 13.26 26 3.97 63 89
53 Westbank Corp., West Springfield, MA 12.51 33 5.52 58 91
54 Mahaska Investment Co., Oskaloosa, IA 10.70 48 8.20 44 92
55 Shore Bancshares, Easton, MD 11.09 44 7.19 49 93
56 Ohio Valley Banc Corp., Gallipolis, OH 10.67 49 7.86 45 94
57 James River Bankshares, Suffolk, VA 8.98 58 11.16 36 94
58 Ameriana Bancorp, New Castle, IN 7.69 62 9.28 42 104
59 InterCounty Bancshares, Wilmington, OH 12.27 38 0.80 67 105
60 FNB Corp., Asheboro, NC 11.68 41 1.59 65 106
61 CNB Financial Corp., Clearfield, PA 10.45 52 6.35 54 106
62 South Alabama Bancorp., Mobile, AL 10.54 51 5.79 56 107
63 Alliance Financial Corp., Cortland, NY 9.92 54 6.57 53 107
64 Peoples BancTrust Co., Selma, AL 10.23 53 6.18 55 108
65 First Mid-Illinois Bancshares, Mattoon, IL 10.64 50 5.25 60 110
66 Farmers National Banc Corp., Canfield, OH 11.09 43 0.73 68 111
67 Habersham Bancorp, Cornelia, GA 6.92 64 6.61 52 116
68 NewMil Bancorp, New Milford, CT 8.83 59 4.43 62 121
69 First Liberty Bank Corp., Jermyn, PA 8.98 57 -1.70 70 127
70 First Midwest Financial, Storm Lake, IA*** 6.68 66 -3.95 71 137
71 Franklin Bank, Southfield, MI 5.31 72 -0.44 69 141
72 Ugly Duckling Corp., Phoenix 5.72 71 -54.37 73 144

* 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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