U.S. BANKER RANKINGS       
Community Banking Companies — Fiscal Years 1996-2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $201.8 Mil. to $276.6 Mil.

5-Yr   5-Yr Av 5-Yr Av 5-Yr EPS 5-Yr EPS 5-Yr
Rank Company ROAE ROAE Av Growth+ Av Growth+ TOTAL
    (%) Rank (%) Rank SCORE
1 MCB Financial Corp., San Rafael, CA 16.54 3 33.6 6 9
2 Bridge View Bancorp, Englewood Cliffs, NJ 16.24 4 23.1 8 12
3 First Coastal Corp., Portland, ME 28.02 1 16.7 14 15
4 CNBC Bancorp, Worthington, OH 14.86 8 22.8 9 17
5 Community Bank, Pilot Mountain, NC 18.48 2 15.4 16 18
6 Summit Financial Corp., Greenville, SC 12.56 23 38.9 4 27
7 Premier Community Bankshares, Winchester, VA 15.17 7 12.5 25 32
8 Plumas Bank, Quincy, CA 14.14 11 12.9 22 33
9 Stewardship Financial Corp., Midland Park, NJ 13.58 15 14.3 18 33
10 Tower Bancorp, Greencastle, PA 14.57 10 12.6 24 34
11 Four Oaks Fincorp, Four Oaks, NC 13.97 13 13.3 21 34
12 Bank of Tidewater, Virginia Beach, VA 16.01 5 9.6 34 39
13 Chesapeake Financial Shares, Kilmarnock, VA 12.77 20 14.1 19 39
14 Salem Community Bankshares, Salem, VA 11.30 26 17.1 13 39
15 Salisbury Bancorp, Lakeville, CT 12.11 24 15.1 17 41
16 ECB Bancorp, Engelhard, NC 10.52 31 18.5 11 42
17 First West Virginia Bancorp, Wheeling, WV 14.06 12 10.1 31 43
18 North Bay Bancorp, Napa, CA 13.94 14 10.1 30 44
19 Beverly National Corp., Beverly, MA 12.79 19 11.4 28 47
20 FFW Corp., Wabash, IN** 10.27 35 18.0 12 47
21 Community Bankshares, Orangeburg, SC 10.23 37 20.2 10 47
22 Commercial National Financial Corp., Ithaca, MI 12.73 21 11.7 27 48
23 HFS Bank, Hobart, IN* 10.83 29 13.4 20 49
24 Independence Federal Savings Bank, Washington 7.80 49 83.1 2 51
25 Benchmark Bankshares, Kenbridge, VA 15.81 6 4.6 47 53
26 County Bank Corp., Lapeer, MI 14.59 9 5.2 44 53
27 Dimeco, Inc., Honesdale, PA 13.40 16 8.6 37 53
28 Landmark Bancshares, Dodge City, KS*** 7.95 48 23.9 7 55
29 Laurel Capital Group, Allison Park, PA** 13.00 18 8.0 38 56
30 Glen Burnie Bancorp, Glen Burnie, MD 5.22 53 61.6 3 56
31 Alpena Bancshares, Alpena, MI 6.91 52 36.9 5 57
32 National Mercantile Bancorp, Los Angeles 2.49 56 124.6 1 57
33 Peoples Savings Bank of Troy, Troy, OH** 12.65 22 8.6 36 58
34 First National Corp., Strasburg, VA 11.12 27 9.7 33 60
35 Pinnacle Bancshares, Jasper, AL 9.33 43 12.8 23 66
36 Southwest Georgia Financial Corp., Moultrie, GA 13.38 17 2.6 50 67
37 First Litchfield Financial Corp., Litchfield, CT 11.86 25 5.7 43 68
38 Bank of Hampton Roads, Chesapeake, VA 10.33 34 9.1 35 69
39 Combanc Inc., Delphos, OH 9.82 40 10.4 29 69
40 Illini Corp., Springfield, IL 5.12 54 15.5 15 69
41 Jeffersonville Bancorp, Jeffersonville, NY 10.59 30 6.6 40 70
42 Union Financial Bancshares, Union, SC*** 10.17 38 9.8 32 70
43 SVB Financial Services, Somerville, NJ 8.89 45 12.1 26 71
44 Community Bancorp., Derby, VT 10.94 28 1.9 51 79
45 Highlands Bankshares, Petersburg, WV 9.45 42 5.9 42 84
46 Bay Banks of Virginia, Kilmarnock, VA 10.39 33 1.0 53 86
47 Perpetual Federal Savings Bank, Urbana, OH*** 9.71 41 5.2 45 86
48 Commercial Bancshares, Upper Sandusky, OH 10.52 32 -0.1 55 87
49 First Federal Bancorp, Zanesville, OH*** 10.02 39 3.0 48 87
50 Jefferson FS&LA of Morristown, Morristown, TN** 10.26 36 0.9 54 90
51 CCFNB Bancorp, Bloomsburg, PA 9.04 44 5.1 46 90
52 HFB Financial Corp., Middlesboro, KY** 7.13 50 6.6 41 91
53 Central Valley Community Bancorp, Clovis, CA 2.61 55 6.7 39 94
54 Sturgis Bank & Trust Co., Sturgis, MI 8.39 46 2.7 49 95
55 Commonwealth Bankshares, Norfolk, VA 8.01 47 -9.7 56 103
56 Washington Savings Bank, Bowie, MD (7-31-2000) 6.97 51 1.3 52 103

* 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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