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

1-Yr   1-Yr 1-Yr 1-Yr EPS 1-Yr EPS 1-Yr
Rank Company ROAE ROAE Av Growth+ Av Growth+ TOTAL
    (%) Rank (%) Rank SCORE
1 Alpena Bancshares, Alpena, MI 11.37 5 138.9 2 7
2 HFS Bank, Hobart, IN* 12.51 3 14.3 9 12
3 Laurel Capital Group, Allison Park, PA** 14.27 1 12.2 12 13
4 Peoples Savings Bank of Troy, Troy, OH** 13.63 2 10.7 13 15
5 Jacksonville Savings Bank, Jacksonville, IL 8.11 11 19.7 7 18
6 Pulaski Bancorp, Springfield, NJ 7.95 15 69.0 3 18
7 FFW Corp., Wabash, IN** 11.83 4 7.5 16 20
8 HFB Financial Corp., Middlesboro, KY** 8.07 12 16.1 8 20
9 PHS Bancorp, Beaver Falls, PA 7.95 14 21.1 6 20
10 Landmark Bancshares, Dodge City, KS*** 10.23 7 9.1 14 21
11 Federal Trust Corp., Winter Park, FL 8.02 13 13.6 10 23
12 Union Financial Bancshares, Union, SC*** 10.90 6 -1.7 19 25
13 First Federal Bancorp, Zanesville, OH*** 9.03 10 9.1 15 25
14 Washington Savings Bank, Bowie, MD (7-31-2000) 6.11 21 34.8 4 25
15 Jefferson FS&LA of Morristown, Morristown, TN** 9.19 9 0.0 18 27
16 Wells Financial Corp., Wells, MN 7.92 16 13.0 11 27
17 Perpetual Federal Savings Bank, Urbana, OH*** 9.55 8 -1.8 20 28
18 Bank West Financial Corp., Grand Rapids, MI** 4.97 27 557.1 1 28
19 Mystic Financial, Medford, MA** 5.37 24 31.7 5 29
20 HopFed Bancorp, Hopkinsville, KY 5.92 22 3.1 17 39
21 Sturgis Bank & Trust Co., Sturgis, MI 7.01 18 -9.2 23 41
22 FirstBank NW Corp., Lewiston, ID* 6.36 20 -6.2 21 41
23 First Georgia Holding, Brunswick, GA*** 7.79 17 -34.5 27 44
24 First Coastal Corp., Portland, ME 6.52 19 -42.6 29 48
25 Independence Federal Savings Bank, Washington 5.10 26 -7.1 22 48
26 Park Bancorp, Chicago 5.86 23 -27.3 26 49
27 Community Financial Corp., Staunton, VA* 5.11 25 -26.8 25 50
28 Gaston Federal Bancorp, Gastonia, NC 4.47 29 -14.0 24 53
29 Northeast Indiana Bancorp, Huntington, IN 4.88 28 -48.7 30 58
30 Big Foot Financial Corp., Long Grove, IL** 1.43 31 -35.1 28 59
31 Pathfinder Bancorp, Oswego, NY 1.79 30 -60.0 31 61
32 Prestige Bancorp, Pleasant Hills, PA -20.76 32 -462.4 32 64

*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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