Bank Equities Short Interest: National Association of Securities

Shares Sold Unit Chng

Short as of from Institution 11/15/95 10/13/95 ADVANTA Corp. Class A 761,935 -26,248 ADVANTA Corp. Class B 18,547 -64,654 Advantage Bancorp 24,788 9,084 Aegis Consumer Funding Group 18,705 -74,660 ALBANK Financial Corp. 36,186 -22,260 Allstate Financial Corp. 20,800 -7,870 AMCORE Financial Inc. 3,367 -11,822 American National Bancorp (S,R) 22,451 2,919 Anchor Bancorp Wisconsin (S,R) 21,456 -2,887 Arrow Financial Corp. 36,234 12,923 Associated Banc Corp. 58,351 11,752 Astoria Financial Corp. 143,691 -15,912 Bank South Corp. 304,099 -237,393 BankAtlantic Bancorp 18,791 -5,869 Bankers Corp. 132,257 21,037 Banknorth Group Inc. 15,455 -292 BanPonce Corp. 9,585 -21,244 BayBanks Inc. 142,700 31,555 Bell Bancorp 76,902 245 Boatmen's Bancshares Inc. 2,417,432 250,399 Boston Bancorp 13,424 -21,054 Brenton Banks Inc. 49,845 46,873 Brooklyn Bancorp 277,726 47,119 California Bancshares 91,361 18,447 Carolina First Corp. 146,384 -503 CCB Financial Corp. 53,760 -17,678 CENFED Financial Corp. 68,268 -1,064 Center Financial Corp. 36,044 -35 Central Fidelity Banks Inc. 55,794 9,966 Charter One Financial 624,870 -2,447,151 Chittenden Corp. 16,569 -1,701 Citfed Bancorp 49,196 14,400 Citizens Bancorp 3,578 -8,342 CNB Bancshares Inc. (S,R) 127,351 -18,037 Cole Taylor Financial Group 98,694 59,721 Collective Bancorp 63,822 -4,347 Commerce Bancshares Inc. 63,308 -25,936 Commonwealth Savings Bank 28,224 24,581 Community First Bankshares 45,905 -10,834 Compass Bancshares Inc. 102,561 8,586 Consumer Portfolio Services 101,240 -13,200 Credit Acceptance Corp. 551,970 183,950 Cullen/Frost Bankers Inc. 88,854 -36,667 Cupertino National Bancorp 10,387 8,191 D&N Financial Corp. 26,027 15,497 Dauphin Deposit Corp. 65,520 5,222 Deposit Guaranty Corp. 29,112 -22,627 Dime Financial Corp. 16,890 8,107 Eagle Finance Corp. 81,615 81,096 Enterprise Federal Bancorp 12,482 9,601 EZCORP 310,817 9,349 FFY Financial Corp. 73,759 57,256 Fidelity Bancorp (IL) 12,954 11,286 Fidelity of Florida (S,R) 14,939 14,077 Fifth Third Bancorp 798,511 288,897 First American Corp. 81,199 -80,488 First Bell Bancorp 34,663 -10,964 First Cash Inc. 18,715 8,294 First Commerce Corp. 1,639,443 -31,063 First Commercial Bancorp (CA) 22,494 18,812 First Commercial Corp. (AR) 255,217 32,165 First Fed Bancshares Eau Claire 72,375 2,107 First Federal Savings (CO) 37,227 16,657 First Federal Savings (OH) 2,587 -21,701 First Financial Corp. (WI) 38,718 -30,446 First Financial W. Maryland 24,727 2,153 First Hawaiian Inc. 18,942 9,648 First Indiana Corp. 56,564 -282 First Merchants Acceptance 16,691 1,991 First Michigan Bank Corp. 113,458 14,829 First Midwest Bancorp 107,148 9,791 First National Bancorp 133,912 -21,077 First Palm Beach Bancorp 199,595 10,994 First Savings Bank (WA) 27,753 27,753 First Security Corp. 341,573 2,935 First Tennessee National Corp. 1,414,707 80,184 FirstMerit Corp. 14,485 1,088 FNB Corp. (PA) 172,542 1,161 Fourth Financial Corp. 418,909 -19,105 Framingham Savings Bank 49,561 4,009 Great Financial Corp. 236,510 -23,893 Greater New York Savings Bank 46,215 24,705 GreenPoint Financial Corp. 418,784 -60,531 Harbor Federal Savings Bank 36,414 8,684 Haven Bancorp 53,334 -5,347 Hawkeye Bancorp. 26,681 -8,625 HMN Financial Inc. 10,071 5,070 Home Financial Corp. 257,183 100,158 Hubco Inc. 85,562 -14,125 Huntington Bancshares Inc. 1,925,752 -426,696 IBS Financial Corp. 210,130 -14,993 Imperial Bancorp 108,361 -35,922 Imperial Credit Industries (S,R) 24,436 -23,960 Irwin Financial Corp. 13,190 6,632 ISB Financial Corp. 8,655 -17,517 Jefferson Bancorp (LA) 11,966 4,708 JSB Financial Inc. 15,925 -139 Keystone Financial Inc. 45,533 -16,463 Klamath First Bancorp 3,298 -166,089 Lakeview Financial 26,552 25,074 Leader Financial Corp. 164,354 -31,916 Life Bancorp 234,390 34,381 Litchfield Financial Corp. 64,818 62,999 Long Island Bancorp 120,190 -58,731 Magna Group Inc. (MO) 175,086 53,422 Mark Twain Bancshares Inc. 53,949 -47,384 Marshall & Ilsley Corp. 477,801 101,166 Maryland Federal Bancorp 15,323 3,876 Mercantile Bankshares Corp. 101,616 43,015 Meridian Bancorp 1,319,620 19,033 Mid Am Inc. 139,494 -4,758 Midlantic Corp. 595,605 -403,996 MLF Bancorp 32,557 -3,081 Money Store Inc. 252,131 143,331 Mutual Savings Bank 45,988 3,809 National Commerce Bancorp. 99,691 2,226 North Side Savings Bank 5,343 -9,029 Northern Trust Corp. 630,806 118,757 Northwest Savings Bank 12,757 2,381 Norwalk Savings Society 12,650 5,400 NS Bancorp 81,624 -38,116 Old Kent Financial Corp. 68,841 -38,906 Old National Bancorp 385,553 -21,810 Olympic Financial Ltd. 2,866,373 -822,914 Omega Financial Corp. 13,161 10,177 ONBancorp 226,490 23,769 One Valley Bancorp (WV) 7,673 -8,588 Ottawa Financial Corp. 10,058 -6,271 Pacific Crest Capital 594,944 560,861 Palfed Inc. 11,067 9,993 Pamrapo Bancorp 8,000 -2,812 Pennfed Financial Services Inc. 19,935 -1,654 People's Bank 340,389 168,248 Peoples Heritage Financial Group 682,742 328,740 Permanent Bancorp 14,017 -6,799 Poughkeepsie Savings Bank 4,924 -5,466 Premier Bancorp 49,354 -8,676 Progressive Bank Inc. 7,327 -2,754 Provident Bancorp 40,015 27,808 Quaker City Bancorp 45,822 -25,729 Queens County Bancorp 27,488 2,237 RCSB Financial Inc. 2,273,316 10,549 Regional Acceptance 612,795 59,429 Regions Financial Corp. 506,078 118,567 Reliance Bancorp 154,945 18,624 Republic Bancorp (MI) (S,R) 43,099 -15,695 Republic Security Financial 80,306 58,051 Resource Bancshares Mortgage 24,038 18,479 Riggs National Corp. 88,765 7,520 Roosevelt Financial Group 1,879,272 -79,773 S&T Bancorp 17,936 -1,793 Savings Bank Finger Lakes 14,910 12,650 Security Capital Corp. 16,860 12,086 SFFed Corp. 10,882 623 SGV Bancorp 31,250 -151 Silicon Valley Bancshares 10,366 3,590 SIS Bank 81,746 9,107 Southern Missouri Bancorp None -11,241 SouthTrust Corp. 330,185 290,980 Southwest Bancshares (IL) 12,103 1,833 Sovereign Bancorp 1,787,264 -357,719 St. Francis Capital Corp. 28,353 25,609 St. Paul Bancorp 46,974 -74,401 Standard Financial Inc. 18,608 4,120 Statewide Financial Corp. 5,840 -7,283 Sterling Financial Corp. 574 -24,885 Suburban Bancshares Inc. (MD) 155,108 21,375 Summit Bancorp. (NJ) 239,694 104,571 Susquehanna Bancshares Inc. 30,582 4,617 TFC Enterprises 137,300 82,468 TR Financial Corp. 58,636 4,473 Trans Financial Inc. 63,349 -667 Trust Co. of New Jersey 358,097 -39,368 Trustco Bank Corp (NY) 72,917 -839 Trustmark Corp. 14,230 -1,676 U.S. Bancorp 9,558,377 1,491,115 UMB Financial Corp. 24,050 10,202 Union Acceptance Corp. 12,091 1,829 Union Bank (CA) 14,967 -34,329 Vermont Financial Services Corp. 28,292 1,882 Victoria Bankshares Inc. 68,673 49,831 Washington Federal Inc. 198,979 10,332 Washington Federal Savings 10,660 6,851 Washington Mutual Inc. 1,459,346 29,566 Webster Financial Corp. 180,103 36,314 West One Bancorp 108,569 679 Westamerica Bancorp. 12,277 8,232 Western Bank 35,259 30,392 WFS Bancorp 15,192 14,109 Whitney Holding Corp. 5,601 -5,184 Wilmington Trust Corp. 46,657 -502 World Acceptance Corp. 79,225 -9,991 WSFS Financial Corp. 27,341 5,259 Zions Bancorp. 370,372 29,810 Bank-Related Totals 50.52M -260,836 NASDAQ Market Totals 929.43M 8,535,005 Set 2 of 2

Pct Chng Average Days

from Daily to Institution 10/13/95 Volume *Cover* ADVANTA Corp. C -3.30% 187,092 4.1 ADVANTA Corp. C -77.7 175,799 0.1 Advantage Banco 57.8 5,343 4.6 Aegis Consumer -80 46,293 0.4 ALBANK Financia -38.1 25,423 1.4 Allstate Financ -27.50% 5,672 3.7 AMCORE Financia -77.8 14,325 0.2 American Nation 14.9 80,981 0.3 Anchor Bancorp -11.9 21,781 1 Arrow Financial 55.4 6,122 5.9 Associated Banc 25.20% 14,801 3.9 Astoria Financi -10 97,226 1.5 Bank South Corp -43.8 260,226 1.2 BankAtlantic Ba -23.8 15,965 1.2 Bankers Corp. 18.9 45,578 2.9 Banknorth Group -1.90% 8,957 1.7 BanPonce Corp. -68.9 16,922 0.6 BayBanks Inc. 28.4 104,089 1.4 Bell Bancorp - 33,295 2.3 Boatmen's Bancs 11.6 344,189 7 Boston Bancorp -61.10% 23,189 0.6 Brenton Banks I 1,577.20 5,113 9.7 Brooklyn Bancor 20.4 91,393 3 California Banc 25.3 11,279 8.1 Carolina First - 18,282 8 CCB Financial C -24.70% 19,303 2.8 CENFED Financia -1.5 18,839 3.6 Center Financia - 60,886 0.6 Central Fidelit 21.7 47,604 1.2 Charter One Fin -79.7 170,920 3.7 Chittenden Corp -9.30% 9,706 1.7 Citfed Bancorp 41.4 11,239 4.4 Citizens Bancor -70 12,957 0.3 CNB Bancshares -12.4 10,074 12.6 Cole Taylor Fin 153.2 25,139 3.9 Collective Banc -6.40% 106,277 0.6 Commerce Bancsh -29.1 39,378 1.6 Commonwealth Sa 674.7 15,764 1.8 Community First -19.1 40,105 1.1 Compass Bancsha 9.1 54,276 1.9 Consumer Portfo -11.50% 13,131 7.7 Credit Acceptan 50 368,566 1.5 Cullen/Frost Ba -29.2 43,765 2 Cupertino Natio 373 16,488 0.6 D&N Financial C 147.2 36,523 0.7 Dauphin Deposit 8.70% 42,931 1.5 Deposit Guarant -43.7 18,958 1.5 Dime Financial 92.3 24,738 0.7 Eagle Finance C 15,625.40 62,328 1.3 Enterprise Fede 333.3 13,222 0.9 EZCORP 3.10% 34,914 8.9 FFY Financial C 346.9 39,142 1.9 Fidelity Bancor 676.6 10,765 1.2 Fidelity of Flo 1,633.10 14,077 1.1 Fifth Third Ban 56.7 221,726 3.6 First American -49.80% 124,272 0.7 First Bell Banc -24 36,032 1 First Cash Inc. 79.6 17,758 1.1 First Commerce -1.9 74,858 21.9 First Commercia 510.9 15,406 1.5 First Commercia 14.40% 29,701 8.6 First Fed Bancs 3 23,013 3.1 First Federal S 81 8,450 4.4 First Federal S -89.3 110,852 - First Financial -44 64,732 0.6 First Financial 9.50% 5,882 4.2 First Hawaiian 103.8 51,642 0.4 First Indiana C - 13,151 4.3 First Merchants 13.5 110,100 0.2 First Michigan 15 11,439 9.9 First Midwest B 10.10% 13,644 7.9 First National -13.6 102,379 1.3 First Palm Beac 5.8 51,696 3.9 First Savings B New 943,875 - First Security - 177,836 1.9 First Tennessee 6.00% 134,566 10.5 FirstMerit Corp 8.1 35,298 0.4 FNB Corp. (PA) - 8,231 21 Fourth Financia -4.4 40,506 10.3 Framingham Savi 8.8 17,698 2.8 Great Financial -9.20% 37,845 6.2 Greater New Yor 114.9 123,614 0.4 GreenPoint Fina -12.6 433,475 1 Harbor Federal 31.3 26,668 1.4 Haven Bancorp -9.1 39,749 1.3 Hawkeye Bancorp -24.40% 36,986 0.7 HMN Financial I 101.4 24,969 0.4 Home Financial 63.8 152,740 1.7 Hubco Inc. -14.2 33,953 2.5 Huntington Banc -18.1 210,999 9.1 IBS Financial C -6.70% 98,380 2.1 Imperial Bancor -24.9 55,289 2 Imperial Credit -49.5 84,251 0.3 Irwin Financial 101.1 5,234 2.5 ISB Financial C -66.9 23,081 0.4 Jefferson Banco 64.90% 10,575 1.1 JSB Financial I - 21,998 0.7 Keystone Financ -26.6 31,618 1.4 Klamath First B -98.10% 167,406 - Lakeview Financ 1,696.50 7,743 3.4 Leader Financia -16.30% 36,734 4.5 Life Bancorp 17.2 90,742 2.6 Litchfield Fina 3,463.40 45,470 1.4 Long Island Ban -32.8 218,771 0.5 Magna Group Inc 43.9 50,912 3.4 Mark Twain Banc -46.80% 68,024 0.8 Marshall & Ilsl 26.9 94,946 5 Maryland Federa 33.9 7,056 2.2 Mercantile Bank 73.4 97,504 1 Meridian Bancor 1.5 354,996 3.7 Mid Am Inc. -3.30% 14,499 9.6 Midlantic Corp. -40.4 281,788 2.1 MLF Bancorp -8.6 48,219 0.7 Money Store Inc 131.7 637,629 0.4 Mutual Savings 9 9,896 4.6 National Commer 2.30% 13,762 7.2 North Side Savi -62.8 15,392 0.3 Northern Trust 23.2 276,287 2.3 Northwest Savin 22.9 15,075 0.8 Norwalk Savings 74.5 7,637 1.7 NS Bancorp -31.80% 23,829 3.4 Old Kent Financ -36.1 71,866 1 Old National Ba -5.4 11,578 33.3 Olympic Financi -22.3 865,147 3.3 Omega Financial 341.1 7,719 1.7 ONBancorp 11.70% 66,233 3.4 One Valley Banc -52.8 8,423 0.9 Ottawa Financia -38.4 9,654 1 Pacific Crest C 1,645.60 30,909 19.2 Palfed Inc. 930.4 85,761 0.1 Pamrapo Bancorp -26.00% 10,304 0.8 Pennfed Financi -7.7 36,997 0.5 People's Bank 97.7 196,947 1.7 Peoples Heritag 92.9 182,986 3.7 Permanent Banco -32.7 6,499 2.2 Poughkeepsie Sa -52.60% 48,716 0.1 Premier Bancorp -15 60,304 0.8 Progressive Ban -27.3 15,567 0.5 Provident Banco 227.8 12,158 3.3 Quaker City Ban -36 17,232 2.7 Queens County B 8.90% 34,174 0.8 RCSB Financial - 76,225 29.8 Regional Accept 10.7 24,153 25.4 Regions Financi 30.6 120,082 4.2 Reliance Bancor 13.7 74,679 2.1 Republic Bancor -26.70% 44,692 1 Republic Securi 260.8 41,117 2 Resource Bancsh 332.4 27,212 0.9 Riggs National 9.3 101,202 0.9 Roosevelt Finan -4.1 329,126 5.7 S&T Bancorp -9.10% 5,425 3.3 Savings Bank Fi 559.7 5,120 2.9 Security Capita 253.2 25,661 0.7 SFFed Corp. 6.1 37,318 0.3 SGV Bancorp - 13,662 2.3 Silicon Valley 53.00% 43,568 0.2 SIS Bank 12.5 30,359 2.7 Southern Missou Clear 11,565 - SouthTrust Corp 742.2 167,623 2 Southwest Bancs 17.8 9,513 1.3 Sovereign Banco -16.70% 155,257 11.5 St. Francis Cap 933.3 13,336 2.1 St. Paul Bancor -61.3 94,676 0.5 Standard Financ 28.4 62,225 0.3 Statewide Finan -55.5 83,868 - Sterling Financ -97.70% 32,988 - Suburban Bancsh 16 19,201 8.1 Summit Bancorp. 77.4 140,436 1.7 Susquehanna Ban 17.8 14,681 2.1 TFC Enterprises 150.4 103,035 1.3 TR Financial Co 8.30% 123,063 0.5 Trans Financial -1 15,385 4.1 Trust Co. of Ne -9.9 14,876 24.1 Trustco Bank Co -1.1 15,492 4.7 Trustmark Corp. -10.5 19,282 0.7 U.S. Bancorp 18.50% 712,684 13.4 UMB Financial C 73.7 13,633 1.8 Union Acceptanc 17.8 83,665 0.1 Union Bank (CA) -69.6 80,809 0.2 Vermont Financi 7.1 13,798 2.1 Victoria Banksh 264.50% 66,630 1 Washington Fede 5.5 183,478 1.1 Washington Fede 179.9 14,522 0.7 Washington Mutu 2.1 353,377 4.1 Webster Financi 25.3 26,233 6.9 West One Bancor - 251,954 0.4 Westamerica Ban 203.5 12,460 1 Western Bank 624.5 13,866 2.5 WFS Bancorp 1,302.80 24,964 0.6 Whitney Holding -48.1 12,896 0.4 Wilmington Trus -1.10% 54,217 0.9 World Acceptanc -11.2 69,998 1.1 WSFS Financial 23.8 22,911 1.2 Zions Bancorp. 8.8 69,113 5.4 Bank-Related To -0.50% 19.27M 2.6 NASDAQ Market T 0.90% 363.39M 2.6 === Table limited to issues shorted at least 10,000 shares at either current or prior settlement date and having an average daily trading volume of at least 5,000 shares. * Number of days to cover short interest, assuming average daily trading volume holds constant and that all volume is used in settlement of short positions. Start - Rise from a prior base of zero. Clear - Prior short position falls to zero. New - Listed since last settlement date. S - Figures adjusted for stock split or dividend. R - Prior figures revised. Source: National Association of Securities Dealers Inc. Compiled by American Banker.