U.S. BANKER RANKINGS       
Community Banking Companies — Fiscal Years 1996-2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $201.8 Mil. to $276.6 Mil.

5-Yr   5-Yr Av 5-Yr Av 5-Yr EPS 5-Yr EPS 5-Yr
Rank Company ROAE ROAE Av Growth+ Av Growth+ TOTAL
    (%) Rank (%) Rank SCORE
1 MCB Financial Corp., San Rafael, CA 16.54 2 33.6 4 6
2 Bridge View Bancorp, Englewood Cliffs, NJ 16.24 3 23.1 5 8
3 Community Bank, Pilot Mountain, NC 18.48 1 15.4 11 12
4 CNBC Bancorp, Worthington, OH 14.86 7 22.8 6 13
5 Summit Financial Corp., Greenville, SC 12.56 20 38.9 3 23
6 Premier Community Bankshares, Winchester, VA 15.17 6 12.5 19 25
7 Plumas Bank, Quincy, CA 14.14 10 12.9 16 26
8 Tower Bancorp, Greencastle, PA 14.57 9 12.6 18 27
9 Four Oaks Fincorp, Four Oaks, NC 13.97 12 13.3 15 27
10 Stewardship Financial Corp., Midland Park, NJ 13.58 14 14.3 13 27
11 Bank of Tidewater, Virginia Beach, VA 16.01 4 9.6 27 31
12 Chesapeake Financial Shares, Kilmarnock, VA 12.77 18 14.1 14 32
13 Salem Community Bankshares, Salem, VA 11.30 23 17.1 9 32
14 Salisbury Bancorp, Lakeville, CT 12.11 21 15.1 12 33
15 ECB Bancorp, Engelhard, NC 10.52 27 18.5 8 35
16 First West Virginia Bancorp, Wheeling, WV 14.06 11 10.1 25 36
17 North Bay Bancorp, Napa, CA 13.94 13 10.1 24 37
18 Community Bankshares, Orangeburg, SC 10.23 31 20.2 7 38
19 Beverly National Corp., Beverly, MA 12.79 17 11.4 22 39
20 Commercial National Financial Corp., Ithaca, MI 12.73 19 11.7 21 40
21 Glen Burnie Bancorp, Glen Burnie, MD 5.22 38 61.6 2 40
22 Benchmark Bankshares, Kenbridge, VA 15.81 5 4.6 36 41
23 County Bank Corp., Lapeer, MI 14.59 8 5.2 34 42
24 National Mercantile Bancorp, Los Angeles 2.49 41 124.6 1 42
25 Dimeco, Inc., Honesdale, PA 13.40 15 8.6 29 44
26 Illini Corp., Springfield, IL 5.12 39 15.5 10 49
27 First National Corp., Strasburg, VA 11.12 24 9.7 26 50
28 Pinnacle Bancshares, Jasper, AL 9.33 34 12.8 17 51
29 Southwest Georgia Financial Corp., Moultrie, GA 13.38 16 2.6 37 53
30 First Litchfield Financial Corp., Litchfield, CT 11.86 22 5.7 33 55
31 Combanc Inc., Delphos, OH 9.82 32 10.4 23 55
32 SVB Financial Services, Somerville, NJ 8.89 36 12.1 20 56
33 Jeffersonville Bancorp, Jeffersonville, NY 10.59 26 6.6 31 57
34 Bank of Hampton Roads, Chesapeake, VA 10.33 30 9.1 28 58
35 Community Bancorp., Derby, VT 10.94 25 1.9 38 63
36 Highlands Bankshares, Petersburg, WV 9.45 33 5.9 32 65
37 Commercial Bancshares, Upper Sandusky, OH 10.52 28 -0.1 40 68
38 Bay Banks of Virginia, Kilmarnock, VA 10.39 29 1.0 39 68
39 CCFNB Bancorp, Bloomsburg, PA 9.04 35 5.1 35 70
40 Central Valley Community Bancorp, Clovis, CA 2.61 40 6.7 30 70
41 Commonwealth Bankshares, Norfolk, VA 8.01 37 -9.7 41 78

* 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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