+++

part 1 of 2

Shares Sold Unit Chng Pct Chng

Short as of from from

Institution 12/15/95 11/15/95 11/15/95

ADVANTA Corp. Class A 531,836 -230,099 -30.20%

ADVANTA Corp. Class B 93,860 75,313 406.1

Advantage Bancorp 48,075 23,287 93.9

Aegis Consumer Funding Group 28,858 10,153 54.3

ALBANK Financial Corp. 32,112 -4,074 -11.3

Allstate Financial Corp. 6,500 -14,300 -68.80%

American National Bancorp 5,663 -16,788 -74.8

AMFED Financial Inc. 38,156 38,156 Start

Anchor Bancorp Wisconsin 11,545 -9,911 -46.2

Arrow Financial Corp. 26,631 -9,603 -26.5

Associated Banc Corp. 37,297 -21,054 -36.10%

Astoria Financial Corp. 20,741 -122,950 -85.6

BancorpSouth Inc. (S,R) 43,010 3,298 8.3

Bank South Corp. 417,388 113,289 37.3

BankAtlantic Bancorp 18,207 -584 -3.1

Bankers Corp. 131,432 -825 -

Bankers First Corp. 11,100 2,878 35

Banknorth Group Inc. 18,709 3,254 21.1

BayBanks Inc. 139,752 -2,948 -2.1

Bell Bancorp 88,195 11,293 14.7

Benson Financial Corp. 12,417 5,051 68.60%

Boatmen s Bancshares Inc. 2,721,003 303,571 12.6

Boston Bancorp 15,732 2,308 17.2

Brenton Banks Inc. 77,339 27,494 55.2

Brooklyn Bancorp 277,885 159 -

California Bancshares 56,703 -34,658 -37.90%

Capital Bancorp (FL) 23,203 20,179 667.3

Cardinal Bancshares Inc. 19,626 14,669 295.9

Carolina First Corp. 228,282 81,898 55.9

CCB Financial Corp. 17,543 -36,217 -67.4

CENFED Financial Corp. 19,795 -48,473 -71.00%

Center Financial Corp. 249,389 213,345 591.9

Central Fidelity Banks Inc. 49,578 -6,216 -11.1

Charter One Financial 529,156 -95,714 -15.3

Chittenden Corp. 7,627 -8,942 -54

Citfed Bancorp 28,518 -20,678 -42.00%

CNB Bancshares Inc. 133,720 6,369 5

Cole Taylor Financial Group 81,711 -16,983 -17.2

Collective Bancorp 24,605 -39,217 -61.4

Commerce Bancorp 13,043 8,828 209.4

Commerce Bancshares Inc. (S,R) 67,262 789 1.20%

Commonwealth Savings Bank 53,677 25,453 90.2

Community First Bankshares 59,125 13,220 28.8

Compass Bancshares Inc. 124,514 21,953 21.4

Consumer Portfolio Services 103,740 2,500 2.5

Credit Acceptance Corp. 651,648 99,678 18.10%

Cullen/Frost Bankers Inc. 80,493 -8,361 -9.4

D&N Financial Corp. 19,241 -6,786 -26.1

Dauphin Deposit Corp. 81,375 15,855 24.2

Deposit Guaranty Corp. 28,615 -497 -1.7

Dime Financial Corp. 4,676 -12,214 -72.30%

Eagle Finance Corp. 99,215 17,600 21.6

EZCORP 181,085 -129,732 -41.7

FFY Financial Corp. 46,557 -27,202 -36.9

Fidelity Bancorp (IL) 34,823 21,869 168.8

Fidelity of Florida 16,852 1,913 12.80%

Fifth Third Bancorp 850,607 52,096 6.5

First American Corp. 228,947 147,748 182

First Bell Bancorp 31,838 -2,825 -8.1

First Cash Inc. 21,975 3,260 17.4

First City Financial Corp. 24,125 23,007 2058%

First Commerce Corp. 1,679,937 40,494 2.5

First Commercial Bancorp (CA) 25,781 3,287 14.6

First Commercial Corp. (AR) (S,R 262,600 -10,482 -3.8

First Essex Bancorp 16,157 12,558 348.9

First Fed Bancshares Eau Claire 71,251 -1,124 -1.60%

First Federal Savings (CO) 66,371 29,144 78.3

First Financial Corp. (WI) 40,780 2,062 5.3

First Hawaiian Inc. 20,172 1,230 6.5

First Indiana Corp. 33,497 -23,067 -40.8

First Merchants Acceptance 24,709 8,018 48.00%

First Michigan Bank Corp. 122,980 9,522 8.4

First Midwest Bancorp 109,530 2,382 2.2

First National Bancorp (R) 134,285 373 -

First Palm Beach Bancorp 194,296 -5,299 -2.7

First Savings Bank (WA) 79,407 51,654 186.10%

First Security Corp. 349,564 7,991 2.3

First Tennessee National Corp. 1,481,434 66,727 4.7

Firstier Financial Inc. 12,987 8,614 197

FirstMerit Corp. 17,042 2,557 17.7

Flushing Financial Corp. 150,731 150,731 New

Fourth Financial Corp. 455,750 36,841 8.8

Framingham Savings Bank 44,406 -5,155 -10.4

FSF Financial Corp. 36,555 36,431 29,380

George Mason Bankshares Inc. 28,731 21,195 281.3

Great Financial Corp. 252,342 15,832 6.70%

Greater New York Savings Bank 12,897 -33,318 -72.1

GreenPoint Financial Corp. 489,677 70,893 16.9

Harbor Federal Savings Bank 39,045 2,631 7.2

Haven Bancorp 56,929 3,595 6.7

Hawkeye Bancorp. 23,308 -3,373 -12.60%

HMN Financial Inc. 5,000 -5,071 -50.4

Home Financial Corp. 403,291 146,108 56.8

Hubco Inc. 51,637 -33,925 -39.6

Huntington Bancshares Inc. 1,527,587 -398,165 -20.7

IBS Financial Corp. 200,998 -9,132 -4.30%

Imperial Bancorp 163,087 54,726 50.5

Imperial Credit Industries 29,865 5,429 22.2

Independent Bank Corp. 14,705 14,245 3,097

Indiana Federal Corp. 15,451 11,442 285.4

Industrial Bancorp 23,261 21,314 1095%

Irwin Financial Corp. 14,380 1,190 9

JSB Financial Inc. 31,560 15,635 98.2

Keystone Financial Inc. 44,877 -656 -1.4

Leader Financial Corp. 176,023 11,669 7.1

LFS Bancorp 12,675 12,604 17752%

Life Bancorp 210,138 -24,252 -10.3

Litchfield Financial Corp. 114 -64,704 -99.8

Long Island Bancorp 114,369 -5,821 -4.8

MAF Bancorp 83,655 83,491 50,909

Magna Group Inc. (MO) 156,269 -18,817 -10.70%

Mark Twain Bancshares Inc. 52,140 -1,809 -3.4

Marshall & Ilsley Corp. 420,332 -57,469 -12

Maryland Federal Bancorp 46,827 31,504 205.6

Mercantile Bankshares Corp. 122,655 21,039 20.7

Meridian Bancorp 1,214,302 -105,318 -8.00%

Mid Continent Bancshares Inc. 15,414 11,887 337

Midlantic Corp. 592,630 -2,975 -

MLF Bancorp 32,758 201 -

Money Store Inc. (S,R) 1,479,180 848,852 134.7

Mutual Savings Bank 28,082 -17,906 -38.90%

National Commerce Bancorp. 89,672 -10,019 -10.1

Northern Trust Corp. 810,238 179,432 28.4

Norwalk Savings Society 11,462 -1,188 -9.4

NS Bancorp 81,801 177 -

Old Kent Financial Corp. 56,457 -12,384 -18.00%

Old National Bancorp 399,542 13,989 3.6

Olympic Financial Ltd. 4,637,2581,770,885 61.8

ONBancorp 226,740 250 -

Ottawa Financial Corp. 10,965 907 9

Pacific Crest Capital 623,110 28,166 4.70%

Palfed Inc. 7,400 -3,667 -33.1

Pennfed Financial Services Inc. 22,323 2,388 12

People s Bank 530,744 190,355 55.9

Peoples Heritage Financial Group 813,114 130,372 19.1

Portsmouth Bank Shares 16,798 16,707 18359%

Premier Bancorp 45,858 -3,496 -7.1

Provident Bancorp 55,697 15,682 39.2

Queens County Bancorp 20,353 -7,135 -26

RCSB Financial Inc. 2,261,413 -11,903 -

Regional Acceptance 662,089 49,294 8.00%

Reliance Bancorp 142,757 -12,188 -7.9

Republic Bancorp (MI) 55,488 12,389 28.7

Republic Security Financial 44,816 -35,490 -44.2

Riggs National Corp. 100,954 12,189 13.7

Roosevelt Financial Group 1,947,473 68,201 3.60%

SGV Bancorp 34,287 3,037 9.7

Silicon Valley Bancshares 6,845 -3,521 -34

SIS Bank 110,002 28,256 34.6

SouthTrust Corp. 613,082 282,897 85.7

Sovereign Bancorp 1,709,403 -77,861 -4.40%

St. Francis Capital Corp. 21,224 -7,129 -25.1

St. Paul Bancorp 40,261 -6,713 -14.3

Suburban Bancshares Inc. (MD)** None -155,108 NA

Summit Bancorp. (NJ) 219,321 -20,373 -8.5

Susquehanna Bancshares Inc. 26,709 -3,873 -12.70%

TFC Enterprises 39,014 -98,286 -71.6

TR Financial Corp. 56,316 -2,320 -4

Trenton Savings Bank 16,751 15,608 1,366

Trust Co. of New Jersey 355,865 -2,232 -

Trustco Bank Corp (NY) 71,036 -1,881 -2.60%

UMB Financial Corp. (S,R) 26,267 -188 -

Union Bank (CA) 19,521 4,554 30.4

UST Corp. 40,595 33,562 477.2

Vermont Financial Services Corp. 2,879 -25,413 -89.8

Victoria Bankshares Inc. 18,267 -50,406 -73.40%

Washington Federal Inc. 78,821 -120,158 -60.4

Washington Federal Savings 8,835 -1,825 -17.1

Washington Mutual Inc. 1,561,643 102,297 7

Webster Financial Corp. 281,581 101,478 56.3

Western Bank 29,658 -5,601 -15.90%

WFS Bancorp 39,221 24,029 158.2

Winthrop Resources Corp. 58,518 48,550 487.1

World Acceptance Corp. 82,009 2,784 3.5

Zions Bancorp. 333,823 -36,549 -9.9

Bank-Related Totals 44.13M 3,841,772 9.5%

NASDAQ Market Totals 1,416.34 M-41,726,2 -2.9%

M

part 2 of 2

Average Days

Daily to

Institution Volume *Cover*

ADVANTA Corp. Class A 72,388 7.3

ADVANTA Corp. Class B 104,797 0.9

Advantage Bancorp 12,254 3.9

Aegis Consumer Funding Group 35,493 0.8

ALBANK Financial Corp. 20,392 1.6

Allstate Financial Corp. 8,916 0.7

American National Bancorp 110,448 -

AMFED Financial Inc. 30,833 1.2

Anchor Bancorp Wisconsin 15,615 0.7

Arrow Financial Corp. 10,796 2.5

Associated Banc Corp. 12,813 2.9

Astoria Financial Corp. 93,659 0.2

BancorpSouth Inc. (S,R) 14,632 2.9

Bank South Corp. 227,157 1.8

BankAtlantic Bancorp 6,687 2.7

Bankers Corp. 17,505 7.5

Bankers First Corp. 31,411 0.4

Banknorth Group Inc. 8,003 2.3

BayBanks Inc. 287,160 0.5

Bell Bancorp 164,978 0.5

Benson Financial Corp. 5,181 2.4

Boatmen s Bancshares Inc. 400,637 6.8

Boston Bancorp 19,394 0.8

Brenton Banks Inc. 6,802 11.4

Brooklyn Bancorp 61,439 4.5

California Bancshares 15,774 3.6

Capital Bancorp (FL) 7,067 3.3

Cardinal Bancshares Inc. 8,226 2.4

Carolina First Corp. 36,287 6.3

CCB Financial Corp. 18,088 1

CENFED Financial Corp. 8,495 2.3

Center Financial Corp. 71,428 3.5

Central Fidelity Banks Inc. 71,834 0.7

Charter One Financial 170,780 3.1

Chittenden Corp. 16,350 0.5

Citfed Bancorp 14,605 2

CNB Bancshares Inc. 7,822 17.1

Cole Taylor Financial Group 12,392 6.6

Collective Bancorp 116,874 0.2

Commerce Bancorp 29,784 0.4

Commerce Bancshares Inc. (S,R) 28,517 2.4

Commonwealth Savings Bank 14,714 3.6

Community First Bankshares 23,783 2.5

Compass Bancshares Inc. 58,053 2.1

Consumer Portfolio Services 6,382 16.3

Credit Acceptance Corp. 282,412 2.3

Cullen/Frost Bankers Inc. 18,844 4.3

D&N Financial Corp. 18,397 1

Dauphin Deposit Corp. 37,761 2.2

Deposit Guaranty Corp. 28,942 1

Dime Financial Corp. 10,423 0.4

Eagle Finance Corp. 16,469 6

EZCORP 76,447 2.4

FFY Financial Corp. 14,788 3.1

Fidelity Bancorp (IL) 14,197 2.5

Fidelity of Florida 13,752 1.2

Fifth Third Bancorp 190,506 4.5

First American Corp. 144,956 1.6

First Bell Bancorp 29,907 1.1

First Cash Inc. 12,489 1.8

First City Financial Corp. 19,461 1.2

First Commerce Corp. 88,377 19

First Commercial Bancorp (CA) 61,984 0.4

First Commercial Corp. (AR) (S,R 45,528 5.8

First Essex Bancorp 40,715 0.4

First Fed Bancshares Eau Claire 20,844 3.4

First Federal Savings (CO) 7,933 8.4

First Financial Corp. (WI) 39,396 1

First Hawaiian Inc. 47,291 0.4

First Indiana Corp. 7,793 4.3

First Merchants Acceptance 52,616 0.5

First Michigan Bank Corp. 8,755 14

First Midwest Bancorp 11,741 9.3

First National Bancorp (R) 60,645 2.2

First Palm Beach Bancorp 31,486 6.2

First Savings Bank (WA) 109,402 0.7

First Security Corp. 113,579 3.1

First Tennessee National Corp. 182,987 8.1

Firstier Financial Inc. 20,529 0.6

FirstMerit Corp. 44,372 0.4

Flushing Financial Corp. 551,304 0.3

Fourth Financial Corp. 69,580 6.6

Framingham Savings Bank 11,999 3.7

FSF Financial Corp. 21,030 1.7

George Mason Bankshares Inc. 10,194 2.8

Great Financial Corp. 31,790 7.9

Greater New York Savings Bank 48,874 0.3

GreenPoint Financial Corp. 369,718 1.3

Harbor Federal Savings Bank 11,537 3.4

Haven Bancorp 72,485 0.8

Hawkeye Bancorp. 27,712 0.8

HMN Financial Inc. 6,248 0.8

Home Financial Corp. 190,133 2.1

Hubco Inc. 22,838 2.3

Huntington Bancshares Inc. 166,303 9.2

IBS Financial Corp. 59,597 3.4

Imperial Bancorp 30,642 5.3

Imperial Credit Industries 71,030 0.4

Independent Bank Corp. 45,953 0.3

Indiana Federal Corp. 5,492 2.8

Industrial Bancorp 34,622 0.7

Irwin Financial Corp. 7,180 2

JSB Financial Inc. 50,957 0.6

Keystone Financial Inc. 38,540 1.2

Leader Financial Corp. 48,589 3.6

LFS Bancorp 33,012 0.4

Life Bancorp 57,973 3.6

Litchfield Financial Corp. 10,792 0

Long Island Bancorp 183,684 0.6

MAF Bancorp 18,704 4.5

Magna Group Inc. (MO) 36,820 4.2

Mark Twain Bancshares Inc. 36,943 1.4

Marshall & Ilsley Corp. 104,797 4

Maryland Federal Bancorp 9,120 5.1

Mercantile Bankshares Corp. 89,338 1.4

Meridian Bancorp 229,604 5.3

Mid Continent Bancshares Inc. 8,911 1.7

Midlantic Corp. 323,946 1.8

MLF Bancorp 36,457 0.9

Money Store Inc. (S,R) 767,532 1.9

Mutual Savings Bank 9,856 2.8

National Commerce Bancorp. 9,725 9.2

Northern Trust Corp. 182,446 4.4

Norwalk Savings Society 14,993 0.8

NS Bancorp 53,802 1.5

Old Kent Financial Corp. 85,568 0.7

Old National Bancorp 11,397 35.1

Olympic Financial Ltd. 420,629 11

ONBancorp 152,033 1.5

Ottawa Financial Corp. 9,659 1.1

Pacific Crest Capital 13,272 46.9

Palfed Inc. 14,835 0.5

Pennfed Financial Services Inc. 32,375 0.7

People s Bank 72,688 7.3

Peoples Heritage Financial Group 94,061 8.6

Portsmouth Bank Shares 8,250 2

Premier Bancorp 54,836 0.8

Provident Bancorp 28,334 2

Queens County Bancorp 33,588 0.6

RCSB Financial Inc. 107,427 21.1

Regional Acceptance 43,807 15.1

Reliance Bancorp 45,024 3.2

Republic Bancorp (MI) 34,411 1.6

Republic Security Financial 45,629 1

Riggs National Corp. 190,797 0.5

Roosevelt Financial Group 206,965 9.4

SGV Bancorp 10,888 3.1

Silicon Valley Bancshares 37,014 0.2

SIS Bank 17,638 6.2

SouthTrust Corp. 174,740 3.5

Sovereign Bancorp 163,043 10.5

St. Francis Capital Corp. 17,490 1.2

St. Paul Bancorp 72,992 0.6

Suburban Bancshares Inc. (MD)** 8,923 NA

Summit Bancorp. (NJ) 198,010 1.1

Susquehanna Bancshares Inc. 6,895 3.9

TFC Enterprises 67,586 0.6

TR Financial Corp. 50,780 1.1

Trenton Savings Bank 15,083 1.1

Trust Co. of New Jersey 7,918 44.9

Trustco Bank Corp (NY) 7,916 9

UMB Financial Corp. (S,R) 15,523 1.7

Union Bank (CA) 32,862 0.6

UST Corp. 104,341 0.4

Vermont Financial Services Corp. 10,727 0.3

Victoria Bankshares Inc. 60,874 0.3

Washington Federal Inc. 102,117 0.8

Washington Federal Savings 29,219 0.3

Washington Mutual Inc. 308,294 5.1

Webster Financial Corp. 76,485 3.7

Western Bank 9,224 3.2

WFS Bancorp 45,163 0.9

Winthrop Resources Corp. 6,837 8.6

World Acceptance Corp. 81,122 1

Zions Bancorp. 66,870 5

Bank-Related Totals 5,305.55M -

NASDAQ Market Totals 5,515.56M - ===

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. 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. NA - Not applicable. Compiled by American Banker.

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