U.S. BANKER RANKINGS       
The Second Hundred Largest Community Banking Companies — Fiscal Years 1996-2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $1.12 Bil. to $673 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 S.Y. Bancorp, Louisville, KY 19.64 1 22.81 8 9
2 Centennial Bancorp, Eugene, OR 19.14 2 23.07 7 9
3 Merchants Bancshares, Burlington, VT 16.54 7 64.33 5 12
4 Suffolk Bancorp, Riverhead, NY 17.61 5 17.55 13 18
5 Prosperity Bancshares, Houston 16.04 9 17.59 12 21
6 Bank of the Ozarks, Little Rock, AR 15.74 10 17.69 11 21
7 Boston Private Financial Holdings, Boston 19.09 3 14.21 19 22
8 Central Coast Bancorp, Salinas, CA 16.08 8 14.82 17 25
9 UNB Corp., Canton, OH 15.60 11 17.00 14 25
10 Arrow Financial Corp., Glens Falls, NY 19.02 4 12.66 25 29
11 Century Bancorp, Medford, MA 14.13 20 18.55 9 29
12 Capital Crossing Bank, Boston 17.09 6 12.36 26 32
13 First Bancorp, Troy, NC 13.32 29 37.46 6 35
14 State Bancorp, New Hyde Park, NY 15.01 14 13.23 22 36
15 SJNB Financial Corp., San Jose, CA 14.69 16 13.22 23 39
16 MetroCorp Bancshares, Houston 12.95 31 17.83 10 41
17 Lafayette Bancorp., Lafayette, IN 13.41 26 15.21 16 42
18 Community Banks, Millersburg, PA 13.63 24 13.90 20 44
19 Umpqua Holdings Corp., Roseburg, OR 13.97 21 13.06 24 45
20 Camden National Corp., Camden, ME 14.70 15 11.17 31 46
21 TriCo Bancshares, Chico, CA 13.36 28 14.73 18 46
22 PennRock Financial Services Corp., Blue Ball, PA 14.60 17 10.05 32 49
23 Hills Bancorp., Hills, IA 14.39 19 11.78 30 49
24 Firstbank Corp., Alma, MI 13.69 22 12.10 27 49
25 Interchange Financial Services Corp., Saddle Brook, NJ 15.05 13 8.01 39 52
26 Capital Corp of the West, Merced, CA 8.86 52 181.19 1 53
27 American Bancorp., Wheeling, WV 14.40 18 9.69 36 54
28 Heritage Commerce Corp., San Jose, CA 8.86 51 104.57 3 54
29 Glacier Bancorp, Kalispell, MT 15.57 12 6.80 43 55
30 Banc Corp., Birmingham, AL 4.39 54 172.77 2 56
31 State Financial Services Corp., Hales Corners, WI 4.01 55 87.23 4 59
32 Baylake Corp., Sturgeon Bay, WI 13.65 23 6.87 42 65
33 First National Corp., Orangeburg, SC 12.34 37 11.80 29 66
34 Rurban Financial Corp., Defiance, OH 12.16 38 11.84 28 66
35 First United Corp., Oakland, MD 12.61 32 9.86 35 67
36 FVNB Corp., Victoria, TX 10.24 50 13.24 21 71
37 Fidelity National Corp., Atlanta 1.16 56 15.69 15 71
38 Chemung Financial Corp., Elmira, NY 11.99 39 9.87 34 73
39 LSB Bancshares, Lexington, NC 11.83 40 10.03 33 73
40 CNB Financial Corp., Canajoharie, NY 13.40 27 3.43 48 75
41 Vista Bancorp, Phillipsburg, NJ 12.37 35 7.93 40 75
42 First National Bancorp, Joliet, IL 12.37 36 7.04 41 77
43 Citizens & Northern Corp., Wellsboro, PA 13.16 30 2.68 49 79
44 ABC Bancorp, Moultrie, GA 11.75 42 9.27 37 79
45 Sun Bancorp, Selinsgrove, PA 13.45 25 -3.54 55 80
46 Lakeland Bancorp, Oak Ridge, NJ 11.74 43 9.00 38 81
47 Drovers Bancshares Corp., York, PA 12.58 34 -0.23 51 85
48 First M & F Corp., Kosciusko, MS 12.59 33 -1.91 53 86
49 PAB Bankshares, Valdosta, GA 11.79 41 4.52 46 87
50 Omega Financial Corp., State College, PA 11.72 44 5.05 45 89
51 NBC Capital Corp., Starkville, MS 10.89 47 5.96 44 91
52 Union Bankshares Corp., Bowling Green, VA 11.04 46 2.06 50 96
53 FNB Financial Services Corp., Reidsville, NC 10.47 49 4.11 47 96
54 Columbia Bancorp, Columbia, MD 11.30 45 -3.24 54 99
55 Southside Bancshares Corp., St. Louis 10.83 48 -1.63 52 100
56 UnionBancorp, Ottawa, IL 8.74 53 -6.21 56 109

* 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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