U.S. BANKER RANKINGS       
Community Banking Companies — Fiscal Years 1996-2000
Profitability Ranking Based on ROAE and Growth in Per-Share EarningsAssets: $276.7 Mil. to $372.8 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 Smithtown Bancorp, Smithtown, NY 20.45 2 32.6 3 5
2 Borel Bank & Trust Co., San Mateo, CA 19.18 3 21.8 7 10
3 BWC Financial Corp., Walnut Creek, CA 17.47 6 31.2 4 10
4 Bridge Bancorp, Bridgehampton, NY 20.78 1 20.3 11 12
5 First Bankers Trustshares, Quincy, IL 17.66 5 21.0 9 14
6 United Security Bank, Fresno, CA 18.79 4 18.9 12 16
7 First International Bancorp, Hartford, CT 16.68 7 17.5 14 21
8 C&F Financial Corp., West Point, VA 16.35 8 17.2 15 23
9 Ind. Community Bankshares, Middleburg, VA 14.29 15 20.4 10 25
10 Orrstown Financial Services, Shippensburg, PA 16.14 10 16.3 17 27
11 Virginia Commerce Bancorp, Arlington, VA 12.40 28 33.5 2 30
12 MidSouth Bancorp, Lafayette, LA 14.85 13 16.2 18 31
13 Bourbon Bancshares, Paris, KY 13.85 17 16.3 16 33
14 QNB Corp., Quakertown, PA 13.11 25 21.4 8 33
15 Yadkin Valley Bank and Trust Co., Elkin, NC 16.29 9 9.8 26 35
16 Savannah Bancorp, Savannah, GA 13.75 19 15.9 19 38
17 First Keystone Corp., Berwick, PA 15.83 12 9.3 28 40
18 GB&T Bancshares, Gainesville, GA 13.82 18 11.3 22 40
19 Peoples Financial Corp., Ford City, PA 11.00 36 22.9 5 41
20 Peoples Financial Services Corp., Hallstead, PA 13.67 20 10.0 24 44
21 Summit Bank Corp., Atlanta 13.31 21 10.2 23 44
22 Norwood Financial Corp., Honesdale, PA 11.86 31 18.8 13 44
23 Southern Michigan Bancorp, Coldwater, MI 16.01 11 6.8 34 45
24 DNB Financial Corp., Downington, PA 14.51 14 7.8 31 45
25 Desert Community Bank, Victorville, CA 13.23 23 9.9 25 48
26 Community Bancorp, Fallbrook, CA 13.24 22 9.8 27 49
27 Bank of Hemet, Riverside, CA 12.22 30 15.1 20 50
28 Park Meridian Financial Corp, Charlotte, NC 10.05 45 22.5 6 51
29 California Independent Bancorp, Yuba City, CA 8.48 50 56.5 1 51
30 Mid Penn Bancorp, Millersburg, PA 14.05 16 5.0 37 53
31 Fentura Bancorp, Fenton, MI 13.17 24 5.3 36 60
32 Washington Banking Co., Oak Harbor, WA 11.29 34 7.9 30 64
33 Southeastern Banking Corp., Darien, GA 12.52 27 3.7 41 68
34 Mid-Wisconsin Financial Services, Medford, WI 12.28 29 3.8 40 69
35 Calvin B. Taylor Bankshares, Berlin, MD 11.10 35 6.5 35 70
36 Peoples First, Oxford, PA 10.91 39 7.4 32 71
37 Commercial National Financial Corp., Latrobe, PA 10.52 42 8.0 29 71
38 Century Bancshares, Washington 5.72 51 12.8 21 72
39 CSB Bancorp, Millersburg, OH 12.66 26 -15.6 49 75
40 Union Bankshares Co., Ellsworth, ME 10.96 37 4.9 38 75
41 CNB Bancorp, Gloversville, NY 10.94 38 4.4 39 77
42 First Regional Bancorp, Century City, CA 10.44 44 7.2 33 77
43 United Bancorp, Martins Ferry, OH 11.72 32 0.5 46 78
44 BYL Bancorp, Orange, CA 11.33 33 -15.8 50 83
45 Codorus Valley Bancorp, York, PA 10.68 40 1.9 43 83
46 Union National Financial Corp., Mount Joy, PA 10.59 41 0.2 47 88
47 Juniata Valley Financial Corp., Mifflintown, PA 10.47 43 0.9 45 88
48 Croghan Bancshares, Fremont, OH 9.88 46 1.9 44 90
49 Long Island Financial Corp., Islandia, NY 8.81 49 3.3 42 91
50 Community Financial Group, Nashville, TN 9.05 48 -3.8 48 96
51 Bath National Corp., Bath, NY 9.20 47 -17.0 51 98
52 Blackhawk Bancorp, Beloit, WI 5.70 52 -28.2 52 104
53 Community Financial Corp., Olney, IL 1.69 53 -35.6 53 106
54 Unity Bancorp, Clinton, NJ -2.03 54 -60.9 54 108
55 Belmont Bancorp., Bridgeport, OH -3.13 55 -92.4 55 110

*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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