U.S. BANKER RANKINGS       
Community Banking Companies — Fiscal Years 1996-2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $276.7 Mil. to $372.8 Mil.

    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 People's Bancshares, New Bedford, MA 19.52 2 25.46 12 14
2 S.Y. Bancorp, Louisville, KY 19.64 1 22.81 15 16
3 Centennial Bancorp, Eugene, OR 19.14 3 23.07 14 17
4 Merchants Bancshares, Burlington, VT 16.54 10 64.33 7 17
5 Coastal Financial Corp., Myrtle Beach, SC*** 18.33 6 18.61 18 24
6 American Bank of Connecticut, Waterbury, CT 16.37 11 19.64 17 28
7 Suffolk Bancorp, Riverhead, NY 17.61 7 17.55 23 30
8 Boston Private Financial Holdings, Boston 19.09 4 14.21 30 34
9 Prosperity Bancshares, Houston 16.04 13 17.59 22 35
10 Bank of the Ozarks, Little Rock, AR 15.74 14 17.69 21 35
11 UNB Corp., Canton, OH 15.60 15 17.00 24 39
12 MetroWest Bank, Farmingham, MA 17.12 8 13.65 32 40
13 Central Coast Bancorp, Salinas, CA 16.08 12 14.82 28 40
14 Arrow Financial Corp., Glens Falls, NY 19.02 5 12.66 37 42
15 Century Bancorp, Medford, MA 14.13 25 18.55 19 44
16 First Bancorp, Troy, NC 13.32 34 37.46 10 44
17 Progress Financial Corp., Blue Bell, PA 13.29 35 29.23 11 46
18 Abington Bancorp, Abington, MA 12.97 37 38.11 9 46
19 Capital Crossing Bank, Boston 17.09 9 12.36 38 47
20 State Bancorp, New Hyde Park, NY 15.01 18 13.23 34 52
21 SJNB Financial Corp., San Jose, CA 14.69 20 13.22 35 55
22 Lafayette Bancorp., Lafayette, IN 13.41 31 15.21 27 58
23 MetroCorp Bancshares, Houston 12.95 38 17.83 20 58
24 Community Banks, Millersburg, PA 13.63 29 13.90 31 60
25 Umpqua Holdings Corp., Roseburg, OR 13.97 26 13.06 36 62
26 TriCo Bancshares, Chico, CA 13.36 33 14.73 29 62
27 Camden National Corp., Camden, ME 14.70 19 11.17 44 63
28 Capital Corp of the West, Merced, CA 8.86 62 181.19 1 63
29 Heritage Commerce Corp., San Jose, CA 8.86 61 104.57 4 65
30 Hills Bancorp., Hills, IA 14.39 24 11.78 42 66
31 Firstbank Corp., Alma, MI 13.69 27 12.10 39 66
32 PennRock Financial Services Corp., Blue Ball, PA 14.60 22 10.05 45 67
33 HF Financial Corp., Sioux Falls, SD** 8.32 64 96.21 5 69
34 Interchange Financial Services Corp., Saddle Brook, NJ 15.05 17 8.01 53 70
35 Home Federal Bancorp, Seymour, IN** 14.68 21 9.39 50 71
36 American Bancorp., Wheeling, WV 14.40 23 9.69 49 72
37 Banc Corp., Birmingham, AL 4.39 70 172.77 2 72
38 Glacier Bancorp, Kalispell, MT 15.57 16 6.80 58 74
39 First Defiance Financial Corp., Defiance, OH 6.43 68 49.29 8 76
40 State Financial Services Corp., Hales Corners, WI 4.01 71 87.23 6 77
41 Aames Financial Corp., Los Angeles** -36.53 74 123.95 3 77
42 HMN Financial, Spring Valley, MN 7.20 67 24.13 13 80
43 FFLC Bancorp, Leesburg, FL 7.72 65 21.59 16 81
44 Baylake Corp., Sturgeon Bay, WI 13.65 28 6.87 57 85
45 First National Corp., Orangeburg, SC 12.34 44 11.80 41 85
46 Rurban Financial Corp., Defiance, OH 12.16 45 11.84 40 85
47 First United Corp., Oakland, MD 12.61 39 9.86 48 87
48 FMS Financial Corp., Burlington, NJ 11.88 47 11.57 43 90
49 TF Financial Corp., Newtown, PA 7.54 66 16.91 25 91
50 Chemung Financial Corp., Elmira, NY 11.99 46 9.87 47 93
51 FVNB Corp., Victoria, TX 10.24 60 13.24 33 93
52 LSB Bancshares, Lexington, NC 11.83 48 10.03 46 94
53 CNB Financial Corp., Canajoharie, NY 13.40 32 3.43 63 95
54 Vista Bancorp, Phillipsburg, NJ 12.37 42 7.93 54 96
55 Fidelity National Corp., Atlanta 1.16 72 15.69 26 98
56 First National Bancorp, Joliet, IL 12.37 43 7.04 56 99
57 Sun Bancorp, Selinsgrove, PA 13.45 30 -3.54 71 101
58 Citizens & Northern Corp., Wellsboro, PA 13.16 36 2.68 65 101
59 ABC Bancorp, Moultrie, GA 11.75 50 9.27 51 101
60 Lakeland Bancorp, Oak Ridge, NJ 11.74 51 9.00 52 103
61 Drovers Bancshares Corp., York, PA 12.58 41 -0.23 67 108
62 First M & F Corp., Kosciusko, MS 12.59 40 -1.91 69 109
63 PAB Bankshares, Valdosta, GA 11.79 49 4.52 61 110
64 Omega Financial Corp., State College, PA 11.72 52 5.05 60 112
65 MASSBANK Corp., Reading, MA 10.56 57 7.59 55 112
66 NBC Capital Corp., Starkville, MS 10.89 55 5.96 59 114
67 Union Bankshares Corp., Bowling Green, VA 11.04 54 2.06 66 120
68 FNB Financial Services Corp., Reidsville, NC 10.47 58 4.11 62 120
69 Columbia Bancorp, Columbia, MD 11.30 53 -3.24 70 123
70 Camco Financial Corp., Cambridge, OH 10.31 59 2.89 64 123
71 Southside Bancshares Corp., St. Louis 10.83 56 -1.63 68 124
72 UnionBancorp, Ottawa, IL 8.74 63 -6.21 72 135
73 Resource Bancshares Mortgage Grp, Columbia, SC 5.52 69 -184.32 74 143
74 AMRESCO, Dallas -19.30 73 -63.84 73 146

*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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