U.S. BANKER RANKINGS       
The Third Hundred Largest Community Banking Companies — Fiscal Years 1996-2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $671 Mil. to $494 Mil.
As of Dec. 31, 2000, except where otherwise noted

    5-Yr 5-Yr 5-Yr EPS 5-Yr EPS 5-Yr
5-Yr   ROAE ROAE Growth Growth TOTAL
RANK Company (%) RANK (%) RANK SCORE
1 Franklin Financial Corp., Franklin, TN 21.45 1 34.36 8 9
2 City Bank, Lynnwood, WA 18.69 2 14.29 16 18
3 Summit Bancshares, Fort Worth, TX 18.56 3 14.21 17 20
4 Pacific Crest Capital, Agoura Hills, CA 16.06 4 13.77 18 22
5 GreatBanc, Incorporated, Aurora, IL 13.44 17 79.13 5 22
6 Republic First Bancorp, Philadelphia 13.33 20 40.13 7 27
7 Peapack-Gladstone Financial Corp., Gladstone, NJ 14.68 7 12.28 21 28
8 LNB Bancorp, Lorain, OH 14.76 6 11.36 24 30
9 Civic BanCorp, Oakland, CA 13.36 19 18.50 12 31
10 First National Community Bancorp, Dunmore, PA 15.45 5 9.63 30 35
11 Northrim Bank, Anchorage, AK 13.30 21 15.16 15 36
12 First State Bancorporation, Albuquerque, NM 12.59 27 23.54 10 37
13 First of Long Island Corp., Glen Head, NY 13.92 12 10.51 26 38
14 Princeton National Bancorp, Princeton, IL 11.45 37 196.90 1 38
15 American West Bancorp., Spokane, WA 14.61 9 7.57 34 43
16 American National Bankshares, Danville, VA 13.07 25 13.20 20 45
17 First Chester County Corp., West Chester, PA 13.52 16 8.35 31 47
18 Foothill Independent Bancorp, Glendora, CA 12.55 28 13.27 19 47
19 Colony Bankcorp, Fitzgerald, GA 12.86 26 12.14 22 48
20 FNB Corp., Christiansburg, VA 14.06 11 6.93 38 49
21 Peoples Bancorp of North Carolina, Newton, NC 11.06 40 22.88 11 51
22 Commercial Bankshares, Miami 9.67 48 96.73 4 52
23 Bank of Granite Corp., Granite Falls, NC 14.67 8 5.63 45 53
24 Wayne Bancorp, Wooster, OH 13.12 24 10.08 29 53
25 Royal Bancshares of Pennsylvania, Narberth, PA 12.47 30 11.43 23 53
26 DCB Financial Corp., Delaware, OH 13.39 18 6.62 39 57
27 BNCCORP, Bismarck, ND 6.52 55 163.75 3 58
28 Horizon Bancorp, Michigan City, IN 6.25 56 186.38 2 58
29 Greater Community Bancorp, Totowa, NJ 11.96 34 10.40 27 61
30 Virginia Financial Corp., Staunton, VA 13.82 13 4.72 49 62
31 CoVest Bancshares, Des Plaines, IL 6.95 53 24.52 9 62
32 Northern States Financial Corp., Waukegan, IL 11.86 35 10.17 28 63
33 National Bancshares Corp. of Texas, San Antonio, TX 9.04 49 16.88 14 63
34 FLAG Financial Corp., LaGrange, GA 5.89 57 47.67 6 63
35 Merchants & Manufacturers Bancorp., New Berlin, WI 8.53 52 17.14 13 65
36 ACNB Corp., Gettysburg, PA 13.61 15 3.47 51 66
37 National Bankshares, Blacksburg, VA 12.40 31 7.36 35 66
38 United Security Bancshares, Thomasville, AL 13.74 14 1.50 53 67
39 North Valley Bancorp, Redding, CA 14.30 10 -8.14 58 68
40 Tri City Bankshares Corp., Oak Creek, WI 12.39 32 7.34 36 68
41 Cass Information Systems, Bridgeton, MO 13.17 23 5.43 47 70
42 Center Bancorp, Union, NJ 13.26 22 3.97 50 72
43 Mahaska Investment Co., Oskaloosa, IA 10.70 41 8.20 32 73
44 Westbank Corp., West Springfield, MA 12.51 29 5.52 46 75
45 Ohio Valley Banc Corp., Gallipolis, OH 10.67 42 7.86 33 75
46 James River Bankshares, Suffolk, VA 8.98 50 11.16 25 75
47 Shore Bancshares, Easton, MD 11.09 39 7.19 37 76
48 InterCounty Bancshares, Wilmington, OH 12.27 33 0.80 54 87
49 CNB Financial Corp., Clearfield, PA 10.45 45 6.35 42 87
50 FNB Corp., Asheboro, NC 11.68 36 1.59 52 88
51 South Alabama Bancorp., Mobile, AL 10.54 44 5.79 44 88
52 Alliance Financial Corp., Cortland, NY 9.92 47 6.57 41 88
53 Peoples BancTrust Co., Selma, AL 10.23 46 6.18 43 89
54 First Mid-Illinois Bancshares, Mattoon, IL 10.64 43 5.25 48 91
55 Farmers National Banc Corp., Canfield, OH 11.09 38 0.73 55 93
56 Habersham Bancorp, Cornelia, GA 6.92 54 6.61 40 94
57 First Liberty Bank Corp., Jermyn, PA 8.98 51 -1.70 57 108
58 Franklin Bank, Southfield, MI 5.31 58 -0.44 56 114

* 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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