U.S. BANKER RANKINGS       
Community Banking Companies — Fiscal Years 1998-2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $276.7 Mil. to $372.8 Mil.

3-Yr   3-Yr Av 3-Yr Av 3-Yr EPS 3-Yr EPS 3-Yr
Rank Company ROAE ROAE Av Growth+ Av Growth+ TOTAL
    (%) Rank (%) Rank SCORE
1 BWC Financial Corp., Walnut Creek, CA 19.22 4 29.4 7 11
2 Smithtown Bancorp, Smithtown, NY 22.56 1 17.6 12 13
3 Borel Bank & Trust Co., San Mateo, CA 21.65 2 24.5 11 13
4 United Security Bank, Fresno, CA 18.74 5 17.1 14 19
5 First Bankers Trustshares, Quincy, IL 18.45 6 17.4 13 19
6 Orrstown Financial Services, Shippensburg, PA 16.81 10 16.7 16 26
7 Bridge Bancorp, Bridgehampton, NY 20.74 3 10.9 25 28
8 American River Holdings, Sacramento, CA 17.00 9 15.3 20 29
9 MidSouth Bancorp, Lafayette, LA 16.15 12 16.7 17 29
10 Ind. Community Bankshares, Middleburg, VA 15.39 15 17.0 15 30
11 Quad City Holdings, Moline, IL** 13.55 25 33.8 6 31
12 Virginia Commerce Bancorp, Arlington, VA 13.48 26 35.9 5 31
13 Bourbon Bancshares, Paris, KY 14.59 17 15.1 21 38
14 C&F Financial Corp., West Point, VA 17.67 8 9.7 31 39
15 Yadkin Valley Bank and Trust Co., Elkin, NC 16.05 13 10.2 27 40
16 Savannah Bancorp, Savannah, GA 13.87 22 15.6 19 41
17 Premier Bancorp, Doylestown, PA 15.14 16 10.8 26 42
18 Business Bancorp, San Bernardino, CA 11.20 41 44.1 2 43
19 Southern Michigan Bancorp, Coldwater, MI 16.33 11 7.1 35 46
20 GB&T Bancshares, Gainesville, GA 13.71 24 13.4 22 46
21 Summit Bank Corp., Atlanta 13.13 29 16.6 18 47
22 Pacific Continental Corp., Eugene, OR 18.38 7 4.8 41 48
23 Desert Community Bank, Victorville, CA 13.97 20 9.9 29 49
24 First Keystone Corp., Berwick, PA 15.78 14 5.0 39 53
25 Norwood Financial Corp., Honesdale, PA 12.98 30 12.4 23 53
26 Park Meridian Financial Corp, Charlotte, NC 10.89 43 26.0 10 53
27 Peoples Financial Services Corp., Hallstead, PA 13.96 21 9.3 33 54
28 California Independent Bancorp, Yuba City, CA 8.80 56 124.2 1 57
29 QNB Corp., Quakertown, PA 13.17 28 9.6 32 60
30 First Regional Bancorp, Century City, CA 9.52 53 26.9 9 62
31 Union Bankshares, Morrisville, VT 14.06 18 3.8 46 64
32 PSB Holdings, Wausau, WI 11.70 36 10.0 28 64
33 Peoples Financial Corp., Ford City, PA 11.21 40 12.2 24 64
34 Century Bancshares, Washington 6.85 60 43.3 4 64
35 Capital Bank Corp., Raleigh, NC 0.49 64 44.0 3 67
36 Fentura Bancorp, Fenton, MI 12.80 31 5.1 38 69
37 Slippery Rock Financial Corp., Slippery Rock, PA 12.62 33 5.2 37 70
38 Bank of Hemet, Riverside, CA 13.46 27 4.4 44 71
39 Admiralty Bancorp, Palm Beach Gardens, FL 0.08 65 29.3 8 73
40 Mid Penn Bancorp, Millersburg, PA 14.04 19 -1.6 56 75
41 DNB Financial Corp., Downington, PA 13.81 23 0.1 53 76
42 Commercial National Financial Corp., Latrobe, PA 10.15 49 9.9 30 79
43 CNB Bancorp, Gloversville, NY 10.86 44 6.2 36 80
44 First International Bancorp, Hartford, CT 12.48 34 2.6 49 83
45 Southeastern Banking Corp., Darien, GA 11.53 38 2.7 48 86
46 Union Bankshares Co., Ellsworth, ME 11.13 42 4.2 45 87
47 Community Bancorp, Fallbrook, CA 12.73 32 -2.9 57 89
48 Calvin B. Taylor Bankshares, Berlin, MD 10.62 47 4.6 43 90
49 Codorus Valley Bancorp, York, PA 10.20 48 4.8 42 90
50 Mid-Wisconsin Financial Services, Medford, WI 11.63 37 -0.4 54 91
51 Croghan Bancshares, Fremont, OH 9.54 52 4.9 40 92
52 Peoples First, Oxford, PA 10.76 46 3.1 47 93
53 Long Island Financial Corp., Islandia, NY 7.57 59 8.3 34 93
54 Pinnacle Financial Corporation, Elberton, GA 11.85 35 -5.6 59 94
55 United Bancorp, Martins Ferry, OH 11.21 39 -1.6 55 94
56 Union National Financial Corp., Mount Joy, PA 10.85 45 -3.5 58 103
57 Juniata Valley Financial Corp., Mifflintown, PA 9.98 51 0.6 52 103
58 Washington Banking Co., Oak Harbor, WA 9.10 55 1.5 50 105
59 Community Financial Group, Nashville, TN 8.04 57 0.8 51 108
60 BYL Bancorp, Orange, CA 10.02 50 -21.5 61 111
61 CSB Bancorp, Millersburg, OH 9.51 54 -32.4 63 117
62 Bath National Corp., Bath, NY 7.69 58 -29.9 62 120
63 Cowlitz Bancorp., Longview, WA 4.42 61 -20.5 60 121
64 Blackhawk Bancorp, Beloit, WI 4.00 62 -56.5 64 126
65 Community Financial Corp., Olney, IL 0.76 63 -79.5 65 128
66 Florida Banks, Jacksonville, FL -7.94 66 -161.5 67 133
67 Unity Bancorp, Clinton, NJ -10.10 67 -110.1 66 133
68 Belmont Bancorp., Bridgeport, OH -18.30 68 -167.6 68 136

*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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