U.S. BANKER RANKINGS       
Community Banking Companies — Fiscal Years 1998-2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $201.8 Mil. to $276.6 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 MCB Financial Corp., San Rafael, CA 16.50 4 34.4 8 12
2 Bridge View Bancorp, Englewood Cliffs, NJ 17.53 2 24.1 13 15
3 United Financial Holdings, St. Petersburg, FL 15.40 6 22.1 15 21
4 CNBC Bancorp, Worthington, OH 15.21 7 20.6 19 26
5 Commercial National Financial Corp., Ithaca, MI 14.58 11 20.6 18 29
6 Tower Bancorp, Greencastle, PA 14.88 8 14.9 25 33
7 Lenawee Bancorp, Adrian, MI 13.10 21 28.6 12 33
8 Americorp, Ventura, CA 12.16 28 48.7 5 33
9 Valencia Bank & Trust, Santa Clarita, CA 12.71 23 30.0 11 34
10 Redding Bancorp, Redding, CA 17.86 1 9.0 38 39
11 Community Bank, Pilot Mountain, NC 16.91 3 9.2 36 39
12 Stewardship Financial Corp., Midland Park, NJ 13.74 17 15.9 22 39
13 Summit Financial Corp., Greenville, SC 13.72 18 16.5 21 39
14 Plumas Bank, Quincy, CA 14.31 12 12.8 28 40
15 National Mercantile Bancorp, Los Angeles 11.18 40 146.6 2 42
16 Bank of Tidewater, Virginia Beach, VA 16.13 5 8.8 39 44
17 Salem Community Bankshares, Salem, VA 12.35 27 21.2 17 44
18 Four Oaks Fincorp, Four Oaks, NC 14.06 14 11.2 31 45
19 Community Bankshares, Orangeburg, SC 11.51 36 32.0 9 45
20 Eufaula BancCorp, Eufaula, AL 10.17 44 56.2 3 47
21 Crescent Banking Co., Jasper, GA 13.80 16 10.5 32 48
22 Fauquier Bankshares, Warrenton, VA 12.75 22 14.4 26 48
23 Combanc Inc., Delphos, OH 10.70 41 31.2 10 51
24 F & M Bank Corp., Timberville, VA 14.78 9 7.2 43 52
25 Dimeco, Inc., Honesdale, PA 13.41 20 10.1 33 53
26 Salisbury Bancorp, Lakeville, CT 12.62 25 11.3 30 55
27 Glen Burnie Bancorp, Glen Burnie, MD 9.15 52 55.4 4 56
28 First West Virginia Bancorp, Wheeling, WV 14.13 13 7.0 44 57
29 Jeffersonville Bancorp, Jeffersonville, NY 11.47 37 18.9 20 57
30 CCF Holding Co., Jonesboro, GA 8.08 56 149.8 1 57
31 Chesapeake Financial Shares, Kilmarnock, VA 12.15 29 12.0 29 58
32 Benchmark Bankshares, Kenbridge, VA 14.61 10 3.0 50 60
33 North Bay Bancorp, Napa, CA 13.64 19 8.0 42 61
34 Idaho Independent Bank, Coeur D'Alene, ID 9.98 46 21.3 16 62
35 Community Central Bank Corp., Mount Clemens, MI 7.93 57 40.3 6 63
36 County Bank Corp., Lapeer, MI 14.06 15 1.5 51 66
37 Merrill Merchants Bancshares, Bangor, ME 11.81 32 9.8 34 66
38 Illini Corp., Springfield, IL 5.97 60 34.8 7 67
39 First National Corp., Strasburg, VA 11.61 34 9.1 37 71
40 Appalachian Bancshares, Ellijay, GA 11.65 33 8.6 40 73
41 Premier Community Bankshares, Winchester, VA 12.56 26 3.5 49 75
42 Beverly National Corp., Beverly, MA 12.02 30 6.0 47 77
43 Central Valley Community Bancorp, Clovis, CA 4.16 63 24.0 14 77
44 Southwest Georgia Financial Corp., Moultrie, GA 12.69 24 -0.8 55 79
45 Peoples Bancorp., Easley, SC 8.14 55 15.2 24 79
46 East Penn Bank, Emmaus, PA 7.70 58 15.7 23 81
47 First Litchfield Financial Corp., Litchfield, CT 11.52 35 4.9 48 83
48 ECB Bancorp, Engelhard, NC 10.67 42 6.8 45 87
49 SVB Financial Services, Somerville, NJ 9.15 53 9.3 35 88
50 Pointe Financial Corp., Boca Raton, FL 5.55 61 14.1 27 88
51 Highlands Bankshares, Petersburg, WV 9.49 50 8.4 41 91
52 United Bancshares, Columbus Grove, OH 11.84 31 -14.7 61 92
53 Killbuck Bancshares, Killbuck, OH 11.34 39 1.2 53 92
54 Bank of Hampton Roads, Chesapeake, VA 9.74 47 6.6 46 93
55 Britton & Koontz Capital Corp., Natchez, MS 11.38 38 -2.0 57 95
56 Community Bancorp., Derby, VT 10.61 43 1.5 52 95
57 Commercial Bancshares, Upper Sandusky, OH 10.09 45 -5.0 59 104
58 Community National Bancorp., Ashburn, GA 9.68 48 -1.8 56 104
59 CCFNB Bancorp, Bloomsburg, PA 8.68 54 1.1 54 108
60 Bay Banks of Virginia, Kilmarnock, VA 9.58 49 -5.5 60 109
61 Pinnacle Bancshares, Jasper, AL 9.17 51 -3.8 58 109
62 Commonwealth Bankshares, Norfolk, VA 7.29 59 -18.3 62 121
63 Guaranty Financial Corp., Charlottesville, VA 4.55 62 -29.5 63 125

* 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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