+++

Part 1 of 2

Shares Sold Unit Chng

Short as of from

Institution 2/15/96 1/15/95

ADVANTA Corp. Class A 486,961 -65,719

ADVANTA Corp. Class B 123,294 20,978

Advantage Bancorp 50,455 -11,743

Aegis Consumer Funding Group 54,741 12,405

ALBANK Financial Corp. 42,773 19,294

American Federal Bank 13,996 11,955

Arrow Financial Corp. 19,575 5,277

Associated Banc Corp. 45,612 -3,368

Astoria Financial Corp. 2,452 -40,240

B.M.J. Financial Corp. 18,501 18,250

BancorpSouth Inc. 30,214 -12,821

BankAtlantic Bancorp (S,R) 22,407 174

Bankers Corp. 102,334 -29,818

Bankers First Corp. 11,107 -2,623

Banknorth Group Inc. 5,807 -9,648

BanPonce Corp. 34,544 11,404

BayBanks Inc. 414,757 -56,580

Bell Bancorp 40,393 -3,715

Boatmen's Bancshares Inc. 2,858,889 -176,130

Boston Bancorp 12,645 -2,962

Brooklyn Bancorp 277,800 -2,074

California Bancshares 14,148 -50,707

Carolina First Corp. 76,211 -89,187

CCB Financial Corp. 16,308 -4,149

Center Financial Corp. 119,803 5,670

Central Fidelity Banks Inc. 64,463 13,370

Charter Bank 18,522 18,106

Charter One Financial 526,202 57,745

Chittenden Corp. 22,025 21,739

Citfed Bancorp 30,271 1,980

CNB Bancshares Inc. 131,950 -4,618

Cole Taylor Financial Group 13,283 -16,642

Collective Bancorp 48,393 34,179

Columbia Banking System Inc. 13,147 5,208

Commerce Bancorp 15,984 11,096

Commerce Bancshares Inc. 49,868 -19,559

Commonwealth Savings Bank 74,438 34,241

Community Bankshares Inc. 63,271 26,225

Community First Bankshares 82,494 3,013

Compass Bancshares Inc. 99,412 32,129

Consumer Portfolio Services 123,196 20,355

Credit Acceptance Corp. 1,467,739 743,341

CTL Credit Inc. 67,017 66,868

Cullen/Frost Bankers Inc. 19,027 -48,537

D&N Financial Corp. 89,235 16,824

Dauphin Deposit Corp. 69,561 -1,802

Deposit Guaranty Corp. 30,396 15,179

Eagle Bancshares 16,531 509

Eagle Finance Corp. 251,577 122,778

EZCORP 173,196 60,586

FFO Financial Group Inc. 10,435 -6,200

FFY Financial Corp. 13,765 -321

Fifth Third Bancorp (S,R) 1,168,694 34,166

First American Corp. 123,664 -44,625

First Bell Bancorp 32,427 909

First City Financial Corp. 13,302 -916

First Commerce Corp. 963,228 -11,952

First Commercial Bancorp (CA) 14,010 9,230

First Commercial Corp. (AR) (R) 253,835 -9,025

First Fed Bancshares Eau Claire 35,115 -531

First Federal Savings (CO) 84,805 -303,996

First Financial Corp. (WI) 39,699 -2,352

First Hawaiian Inc. 28,440 3,242

First Indiana Corp. 45,480 18,025

First Merchants Acceptance 263,692 250,722

First Michigan Bank Corp. 169,613 33,733

First Midwest Bancorp 57,210 18,331

First National Bancorp 150,153 19,880

First Palm Beach Bancorp 18,877 -140,290

First Savings Bank (WA) 71,381 -12,544

First Security Corp. 325,497 -5,198

First Tennessee National Corp. 1,304,268 -116,710

FirstMerit Corp. 35,566 24,691

Flushing Financial Corp. 2,646 -21,017

FNB Corp. (PA) 171,115 -4,940

Framingham Savings Bank 21,002 -18,471

Great Financial Corp. 263,387 -30,296

Greater New York Savings Bank 38,449 18,477

GreenPoint Financial Corp. 468,384 8,937

Harbor Federal Savings Bank 42,145 5,791

Haven Bancorp 49,194 536

HF Bancorp 2,902 -52,456

Highland Federal Bank 2,000 -70,232

Home Financial Corp. 618,273 225,077

Hubco Inc. 237,122 125,995

Huntington Bancshares Inc. 1,035,702 -295,815

IBS Financial Corp. 173,996 -7,148

Imperial Bancorp (S,R) 153,438 -5,931

Imperial Credit Industries (S,R) 53,061 23,881

Imperial Thrift and Loan Assoc. 8,244 -12,666

Irwin Financial Corp. 12,085 -10,256

ISB Financial Corp. 19,896 8,173

JSB Financial Inc. 18,153 -408

Keystone Financial Inc. 41,567 2,635

Klamath First Bancorp 30,836 24,786

Lafayette American Bank 20,984 20,454

Lawrence Savings Bank 12,976 4,764

Leader Financial Corp. 56,407 -5,686

Life Bancorp 138,901 -42,615

Long Island Bancorp 274,453 61,697

MAF Bancorp 285,269 178,719

Magna Group Inc. (MO) 123,725 -16,192

Mark Twain Bancshares Inc. 90,605 25,452

Marshall & Ilsley Corp. 227,635 -59,958

Medford Savings Bank 16,578 14,528

Mercantile Bankshares Corp. 356,303 146,894

Meridian Bancorp 1,288,507 -285,970

Mid Am Inc. 150,506 53,957

MLF Bancorp 9,158 -19,744

Money Store Inc. 2,392,392 370,032

Monterey Bay Bancorp 14,945 12,445

MSB Bancorp (NY) 3,176 -46,948

National Commerce Bancorp. 67,814 1,716

Northern Trust Corp. 566,618 -266,425

Norwalk Savings Society 16,399 -13,320

NS Bancorp 93,116 10,874

Old Kent Financial Corp. 54,548 16,450

Old National Bancorp (S,R) 379,754 -19,894

Olympic Financial Ltd. 4,994,293 -518,620

ONBancorp 134,202 3,885

One Valley Bancorp (WV) 107,977 106,418

Pennfed Financial Services Inc. 1,976 -24,950

People's Bank 332,481 78,877

Peoples Heritage Financial Group 907,129 89,158

Portsmouth Bank Shares 16,685 -1,480

Poughkeepsie Savings Bank 7,497 -19,977

Provident Bancorp 72,747 17,421

Quaker City Bancorp 19,351 -7,291

RCSB Financial Inc. 2,078,311 -50,617

Redfed Bancorp 25,000 24,941

Regional Acceptance 762,742 14,179

Regions Financial Corp. 869,713 -51,740

Reliance Bancorp 71,098 -49,449

Republic Bancorp (MI) 50,087 1,250

Republic Security Financial 34,804 481

Resource Bancshares Mortgage 80,800 13,160

Riggs National Corp. 62,688 9,293

River Forest Bancorp 12,948 7,825

Roosevelt Financial Group 1,960,455 -41,711

S&T Bancorp 81,039 1,713

SIS Bank 51,866 -58,022

Somerset Savings Bank 12,700 3,954

SouthTrust Corp. 1,249,990 427,289

Sovereign Bancorp (S,R) 1,853,456 103,587

St. Francis Capital Corp. 1,731 -11,824

Standard Financial Inc. 12,149 -4,453

Summit Bancorp. (NJ) 182,373 -21,524

TFC Enterprises 38,495 -1,710

TR Financial Corp. 64,992 9,113

Trans Financial Inc. 72,824 3,271

Trenton Savings Bank 23,875 -6,414

Trust Co. of New Jersey 249,712 -89,568

Trustco Bank Corp (NY) 110,278 43,061

Trustmark Corp. 10,250 -4,920

U.S. Bancorp 2,561,803 -588,854

Union Bank (CA) 6,980 -5,735

United Carolina Bancshares (S,R) 21,206 16,337

UST Corp. 46,127 -4,872

Victoria Bankshares Inc. 5,175 -15,148

Washington Federal Inc. (S,R) 107,460 23,111

Washington Mutual Inc. 2,088,164 463,423

Webster Financial Corp. 303,372 1,208

Westamerica Bancorp. 39,798 13,872

WFS Bancorp 34,567 -454

Whitney Holding Corp. 6,706 -24,451

Wilmington Trust Corp. 44,964 8,662

Winthrop Resources Corp. 95,308 32,298

World Acceptance Corp. 7,090 -22,851

WSFS Financial Corp. 1,235 -25,690

Zions Bancorp. 250,238 -55,133

Bank-Related Totals 47.75M 347,792

NASDAQ Market Totals 955.43M 58,010,715

Part 2 of 2

Pct Chng Average Days

from Daily to

Institution 1/15/95 Volume *Cover*

ADVANTA Corp. C -11.90% 263,812 1.8

ADVANTA Corp. C 20.5 217,688 0.6

Advantage Banco -18.9 17,188 2.9

Aegis Consumer 29.3 41,896 1.3

ALBANK Financia 82.2 27,931 1.5

American Federa 585.70% 16,340 0.9

Arrow Financial 36.9 7,596 2.6

Associated Banc -6.9 31,965 1.4

Astoria Financi -94.3 134,252-

B.M.J. Financia 7,270.90 12,169 1.5

BancorpSouth In -29.80% 11,623 2.6

BankAtlantic Ba- 23,171 1

Bankers Corp. -22.6 21,400 4.8

Bankers First C -19.1 31,411 0.4

Banknorth Group -62.4 19,007 0.3

BanPonce Corp. 49.30% 25,094 1.4

BayBanks Inc. -12 182,820 2.3

Bell Bancorp -8.4 34,220 1.2

Boatmen's Bancs -5.8 546,865 5.2

Boston Bancorp -19 27,612 0.5

Brooklyn Bancor- 38,551 7.2

California Banc -78.2 38,481 0.4

Carolina First -53.9 111,408 0.7

CCB Financial C -20.3 26,384 0.6

Center Financia 5 119,483 1

Central Fidelit 26.20% 70,215 0.9

Charter Bank 4,352.40 42,352 0.4

Charter One Fin 12.3 303,212 1.7

Chittenden Corp 7,601.00 16,926 1.3

Citfed Bancorp 7 18,396 1.6

CNB Bancshares -3.40% 9,597 13.7

Cole Taylor Fin -55.6 27,012 0.5

Collective Banc 240.5 85,222 0.6

Columbia Bankin 65.6 10,932 1.2

Commerce Bancor 227 40,152 0.4

Commerce Bancsh -28.20% 25,136 2

Commonwealth Sa 85.2 10,505 7.1

Community Banks 70.8 7,760 8.2

Community First 3.8 18,755 4.4

Compass Bancsha 47.8 47,256 2.1

Consumer Portfo 19.80% 24,788 5

Credit Acceptan 102.6 227,211 6.5

CTL Credit Inc. 44,877.90 62,175 1.1

Cullen/Frost Ba -71.8 39,387 0.5

D&N Financial C 23.2 55,304 1.6

Dauphin Deposit -2.50% 26,596 2.6

Deposit Guarant 99.8 16,904 1.8

Eagle Bancshare 3.2 23,889 0.7

Eagle Finance C 95.3 32,504 7.7

EZCORP 53.8 65,635 2.6

FFO Financial G -37.30% 9,352 1.1

FFY Financial C -2.3 15,372 0.9

Fifth Third Ban 3 187,984 6.2

First American -26.5 143,907 0.9

First Bell Banc 2.9 28,668 1.1

First City Fina -6.40% 17,499 0.8

First Commerce -1.2 85,316 11.3

First Commercia 193.1 19,970 0.7

First Commercia -3.4 12,308 20.6

First Fed Bancs -1.5 10,864 3.2

First Federal S -78.20% 220,597 0.4

First Financial -5.6 41,967 0.9

First Hawaiian 12.9 28,122 1

First Indiana C 65.7 8,938 5.1

First Merchants 1,933.10 91,366 2.9

First Michigan 24.80% 12,854 13.2

First Midwest B 47.1 15,110 3.8

First National 15.3 15,337 9.8

First Palm Beac -88.1 45,420 0.4

First Savings B -14.9 64,778 1.1

First Security -1.60% 222,188 1.5

First Tennessee -8.2 125,046 10.4

FirstMerit Corp 227 32,025 1.1

Flushing Financ -88.8 79,260-

FNB Corp. (PA) -2.8 17,193 10

Framingham Savi -46.80% 17,270 1.2

Great Financial -10.3 32,274 8.2

Greater New Yor 92.5 66,462 0.6

GreenPoint Fina 1.9 693,362 0.7

Harbor Federal 15.9 12,178 3.5

Haven Bancorp 1.10% 41,605 1.2

HF Bancorp -94.8 61,075-

Highland Federa -97.2 14,492 0.1

Home Financial 57.2 208,288 3

Hubco Inc. 113.4 75,601 3.1

Huntington Banc -22.20% 218,660 4.7

IBS Financial C -3.9 62,196 2.8

Imperial Bancor -3.70% 49,594 3.1

Imperial Credit 81.8 96,468 0.6

Imperial Thrift -60.6 62,336 0.1

Irwin Financial -45.9 9,052 1.3

ISB Financial C 69.7 48,385 0.4

JSB Financial I -2.20% 27,760 0.7

Keystone Financ 6.8 43,881 0.9

Klamath First B 409.7 74,033 0.4

Lafayette Ameri 3,859.20 167,510 0.1

Lawrence Saving 58 72,245 0.2

Leader Financia -9.20% 47,478 1.2

Life Bancorp -23.5 59,583 2.3

Long Island Ban 29 367,394 0.7

MAF Bancorp 167.7 25,074 11.4

Magna Group Inc -11.6 43,336 2.9

Mark Twain Banc 39.10% 35,240 2.6

Marshall & Ilsl -20.8 164,857 1.4

Medford Savings 708.7 43,908 0.4

Mercantile Bank 70.1 80,973 4.4

Meridian Bancor -18.2 262,609 4.9

Mid Am Inc. 55.90% 14,015 10.7

MLF Bancorp -68.3 30,407 0.3

Money Store Inc 18.3 548,023 4.4

Monterey Bay Ba 497.8 21,587 0.7

MSB Bancorp (NY -93.7 13,124 0.2

National Commer 2.60% 35,217 1.9

Northern Trust -32 174,341 3.3

Norwalk Savings -44.8 16,931 1

NS Bancorp 13.2 33,580 2.8

Old Kent Financ 43.2 134,753 0.4

Old National Ba -5.00% 12,257 31

Olympic Financi -9.4 27,385 182.4

ONBancorp 3 53,950 2.5

One Valley Banc 6,826.00 64,575 1.7

Pennfed Financi -92.7 65,030-

People's Bank 31.10% 87,238 3.8

Peoples Heritag 10.9 146,133 6.2

Portsmouth Bank -8.1 9,607 1.7

Poughkeepsie Sa -72.7 61,538 0.1

Provident Banco 31.5 38,221 1.9

Quaker City Ban -27.40% 23,371 0.8

RCSB Financial -2.4 109,246 19

Redfed Bancorp 42,272.90 12,255 2

Regional Accept 1.9 11,982 63.7

Regions Financi -5.6 98,266 8.9

Reliance Bancor -41.00% 63,532 1.1

Republic Bancor 2.6 46,397 1.1

Republic Securi 1.4 34,631 1

Resource Bancsh 19.5 20,877 3.9

Riggs National 17.4 91,545 0.7

River Forest Ba 152.70% 19,789 0.7

Roosevelt Finan -2.1 288,504 6.8

S&T Bancorp 2.2 11,001 7.4

SIS Bank -52.8 32,805 1.6

Somerset Saving 45.2 52,864 0.2

SouthTrust Corp 51.90% 140,610 8.9

Sovereign Banco 5.9 173,880 10.7

St. Francis Cap -87.2 21,857-

Standard Financ -26.8 126,596-

Summit Bancorp. -10.6 131,885 1.4

TFC Enterprises -4.30% 133,807 0.3

TR Financial Co 16.3 106,108 0.6

Trans Financial 4.7 47,812 1.5

Trenton Savings -21.2 17,140 1.4

Trust Co. of Ne -26.4 33,044 7.6

Trustco Bank Co 64.10% 15,555 7.1

Trustmark Corp. -32.4 12,785 0.8

U.S. Bancorp -18.7 699,490 3.7

Union Bank (CA) -45.1 45,336 0.2

United Carolina 335.5 34,951 0.6

UST Corp. -9.60% 66,073 0.7

Victoria Banksh -74.5 29,438 0.2

Washington Fede 27.4 92,134 1.2

Washington Mutu 28.5 368,380 5.7

Webster Financi- 32,310 9.4

Westamerica Ban 53.5 43,349 0.9

WFS Bancorp -1.30% 9,189 3.8

Whitney Holding -78.5 21,106 0.3

Wilmington Trus 23.9 48,438 0.9

Winthrop Resour 51.3 12,959 7.4

World Acceptanc -76.3 61,873 0.1

WSFS Financial -95.40% 17,055 -

Zions Bancorp. -18.1 75,294 3.3

Bank-Related To 0.70% 17.03M 2.8

NASDAQ Market T 6.50% 415.75M 2.3 ===

Table limited to issues shorted at least 12,500 shares at either current or prior settlement date and having an average daily trading volume of at least 7,500 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. NA - Not applicable. Source: National Association of Securities Dealers Inc.

Compiled by American Banker.

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