U.S. Second-100 Top Banks

July 01, 2000, 1:00 a.m. EDT 26 Min Read

201 15.38 222 MBVT 126 269 1.71 1.54 BFOH 144 318 1.70 Bank 340 8.5% 42 LKFN 13.91 0.62 397 62 175 415 53 MAB STYB 11.2% CHMG Bank FMCO 0.66 10.40 FFYF 138 147 96 6.93 GABC

< TD class="data">47

< TD class="data" bgcolor="#99ccff">33

< TD class="data" bgcolor="#99ccff">177

< TD class="data" bgcolor="#99ccff">235

< TD class="data">7.4%

< TD class="data" bgcolor="#99ccff">0.98

< TD class="data">31

< /TR>

< TD class="data">6

< TD class="data" bgcolor="#99ccff">135

< TD class="data" bgcolor="#99ccff">271

< TD class="data">69

< TD class="data">9.6%

< TD class="data" bgcolor="#99ccff">14

< TD class="data" bgcolor="#99ccff">150

< TD class="data" bgcolor="#99ccff">STSA

< TD class="data" bgcolor="#99ccff">1.10

< TD class="data" bgcolor="#99ccff">377

< TD class="data" bgcolor="#99ccff">1.06

< /TR>

< TD class="data">Thrift

< /TR>

< TD class="data">Thrift

< TD class="data">-3.5%

< TD class="data" bgcolor="#99ccff">441

< /TR>

< TD class="data">8.3%

< TD class="data">23.7%

< TD class="data">112

< TD class="data">11.66

< TD class="data">84

< TD class="data" bgcolor="#99ccff">146

< TD class="data" bgcolor="#99ccff">17

< TD class="data">11.30

< TD class="data">123

< TD class="data" bgcolor="#99ccff">CAFI

< TD class="data" bgcolor="#99ccff">1.56

< TD class="data">145

< TD class="data" bgcolor="#99ccff">157

< TD class="data" bgcolor="#99ccff">191

< TD class="data">-4.2%

U.S. Second-100 Top Banks
Overall Rank	Company Name, Headquarters	Ticker	Industry	Total Asse ts 1999 ($ million)	Asset Rank	Total Equity 1999 ($ million)	Equity/Assets 1999 (%)	1999 (%)	1998 (%)	1997 (%)	< BR>Rank 1999	Avg. '97- '99 (%)	3-Year Rank	1999 ($)	1998 ($)	1997 ($)	1996 ($)	1999 Growth (%)	1999 Growth Rank	3-Year CAGR (%)	3-Year CAGR Rank	Total Score
1	Greater Bay Bancorp, Palo Alto, CA	GBBK	Bank	2,625	2	161	6 .12	21.09	19.73	15.76	8	18.86	14	2.17	1.62	1.17	0.67	34.0%	27	48.0	10	59
2	Highland Bancorp, Burbank, CA	HBNK	Thr ift	655	197	48	7.36	21.76	19.72	15.17	5	18.88	13	2.25	1.80	1.29	0.15	25.0%	43	146.6	1	62
3	People's Bancshares, New Bedford, MA	PBKB	Thrift	1, 071	115	41	3.81	24.82	23.33	16.65	1	21.60	1	2.77	2.30	1.47	1.09	20.4%	58	36.5	17	77
4	Matrix Bancorp, Denver, CO	MTXC	Thrift	1,284	84	60	4.71	1 9.79	18.92	22.71	13	20.47	4	1.58	1.24	1.20	0.68	27.4%	37	32.4	23	77
5	Oriental Financial Group, Hato Rey, PR	OFG	Bank	1,5 87	60	124	7.81	23.80	21.23	18.92	2	21.32	3	1.97	1.57	1.21	1.06	25.5%	42	22.9	35	82
6	Investors Financial Services Corp., Boston	IFIN	Bank	2,553	5	137	5.36	17.93	18.48	18.47	24	18.29	18	1.43	1.09	0.93	0 .60	31.2%	28	33.6	21	91
7	Queens County Bancorp, Flushing, NY	QCSB	Thrift	1,9 07	36	137	7.19	22.99	17.32	12.95	3	17.75	23	1.67	1.34	1.07	0.85	24.6%	45	25.2	30	101
8	CCBT Financial Companies, Hyannis, MA	CCBT	Bank	1,231	93	86	6.96	19.56	15.78	18.68	14	18.01	20	1.85	1.38	1.46	1.05	34.1%	26	20.8	46	106
9	Southside Bancshares, Tyler, TX	SBSI	Bank	1,013	127	38	3.7 2	18.99	13.35	13.57	18	15.30	46	2.10	1.39	1.30	1.10	51.1%	16	24.1	32	112
10	UNB Corp., Canton, OH	UNBO	Bank	971	140	71	7.28	19.95	14.19	12.20	12	15.45	43	1.28	0.94	0.76	0.69	36.2%	24	22.9	36	115
11	East West Bancorp, San Marino, CA	EWBC	Bank	2,151< /TD>	21	150	6.98	18.96	12.83	8.91	19	13.57	90	1.22	0.76	0.46	0.13	60.5%	12	110.9	4	125
12	GBC Bancorp, Los Angeles	GBCB	Bank	1,744	43	133	7.63	20. 48	17.59	20.03	9	19.37	10	2.37	1.96	1.87	1.39	20.9%	55	19.5	53	127
13	Cathay Bancorp, Los Angeles	CATY	Bank	1,996	28	179	8.97	18.31	17.00	15.63	22	16.98	28	3.36	2.74	2.26	1.66	22.6%	50	26.5	29	129
14	S.Y. Bancorp, Louisville, KY	SYI	Bank	690	189	50	7.29	20 .20	20.20	19.12	10	19.84	7	1.41	1.21	0.96	0.77	16.5%	78	22.3	39	134
15	First Federal Capital Corp., La Crosse, WI	FTFC	Thrift	2,085	24	127	6.11	17.63	16.59	17.20	28	17.14	27	1.17	0.98	0.88	0.50	1 9.4%	64	32.8	22	141
16	Coastal Financial Corp., Myrtle Beach, SC	CFCP	Thrift	713	180	41	5.78	19.30	19.52	19.36	16	19.39	8	1.02	0.90	0.77	0 .50	13.3%	91	26.8	28	143
17	Progress Financial Corp., Blue Bell, PA	PFNC	Thrift	766	169	48	6.25	15.47	13.76	15.22	54	14.82	60	1.15	0.90	0.71	0.30	27.8%< /TD>	34	56.5	7	155
18	WSFS Financial Corp., Wilmington, DE	WSFS	Thrift	1,754	41	96	5.48	22.15	17.68	20.25	4	20.03	5	1.73	1.44	1.29	1.16	20.1%	60	14.3	88	157
19	Hanmi Bank, Los Angeles	HNBK	Bank	740	174	68	9.16	18.92	17.26	18 .47	20	18.22	19	1.62	1.30	1.14	1.05	24.6%	46	15.6	73	158
20	Intrust Financial Corp., Wichita, KS	IFNC	Bank	2,338	12	154	6.58	16.39	14.90	13.08	41	14.79	62	9.48	7.90	6.74	0.74< /TD>	20.0%	61	134.0	3	16 7

Overall Rank	Company Name, Headquarters	Ticker	Industry	Total Asse ts 1999 ($ million)	Asset Rank	Total Equity 1999 ($ million)	Equity/Assets 1999 (%)	1999 (%)	1998 (%)	1997 (%)	< BR>Rank 1999	Avg. '97- '99 (%)	3-Year Rank	1999 ($)	1998 ($)	1997 ($)	1996 ($)	1999 Growth (%)	1999 Growth Rank	3-Year CAGR (%)	3-Year CAGR Rank	Total Score
21	U.S.B. Holding Co., Orangeburg, NY	UBH	Bank	1,646< /TD>	53	96	5 .86	17.14	13.20	14.41	33	14.92	56	0.96	0.69	0.66	0.59	39.1%	21	17.6	64	174
22	Frontier Financial Corp., Everett, WA	FTBK	Bank	1,246	91	147	11.83	18.43	18.27	18.84	21	18.51	16	1.46	1.23	1.07	0.9 3	18.7%	72	16.2	70	179
23	Mississippi Valley Bancshares, St. Louis, M O	MVBI	Bank	1,561	63	113	7.21	19.26	18.09	17.77	17	18.37	17	2.25	1.91	1.55	1.46	1 7.8%	74	15.5	76	184
24	Texas Regional Bancshares, McAllen, TX	TRBS	Bank	2,121	22	188	8.87	16.82	13.11	15.15	37	15.03	49	2.11	1.54	1.58	1.3 8	37.0%	23	15.2	80	189
25	State Bancorp, New Hyde Park, NY	STB	Bank	950	142	56	5.91	17.10	13.97	13.51	35	14.86	59	1.46	1.17	1.03	0.89	24.8%	44	17.9	63
26	Merchants New York Bancorp, New York	MBNY	Bank	1,395	72	99	7.11	17.32	14.34	13.82	31	15.16	0.98	0.81	0.73	0.63	21.0%	54	15.9	72	204
27	Irwin Financial Corp., Columbus, IN	IRWN	Bank	1,68 1	50	159	9.48	21.51	22.84	19.80	6	21.38	2	1.51	1.38	1.08	0.98	9.4%	119	15.5	77	204
28	Bank of the Ozarks, Little Rock, AR	OZRK	Bank	796	164	44	5.51	15.80	14.83	17.21	49	15.95	38	1.75	1.47	1.38	1.05	19.0%	68	18.6	59	214
29	Sterling Bancshares, Houston	SBIB	Bank	1,959	135	6.87< /TD>	16.78	17.22	16.86	38	16.95	30	0.81	0.70	0.59	0.52	15.7%	81	15.9	71	220
30	First Financial Holdings, Charleston, SC	FFCH	Thrift	2,071	25	126	6.08	13.97	13.94	56	14.4 3	70	1.40	1.20	1.07	0.56	16.7%	77	35.7	18	221
31	Centennial Bancorp, Eugene, OR	CEBC	Bank	727	74	10.23	17.44	20.16	20.25	30	19.28	11	0.60	0.56	0.46	0.35	7.1%	132	19.7	49
32	Alabama National BanCorp., Birmingham, AL	ALAB	Bank	1,922	35	138	7.19	16.28	13.81	12.73	44	14.27	73	1.98	1.55	1.28	1.30	27.7%	35	15.1	82	234
33	Park National Corp., Newark, OH	PRK	Bank	2,634	1	240	9.09	19.43	18.35	18.21	15	18.66	15	4.67	4.22	3.81	3.22	10.7%	110	13.2	95
34	CVB Financial Corp., Ontario, CA	CVB	Bank	2,011	27	141	7.00	17.90	18.06	17.81	27	17.92	21	1.02	0.95	0.82	0.63	130	17.4	67	245
35	Yardville National Bancorp, Mercerville, NJ	YANB	Bank	1,124	106	59	5.24	15.34	13.96	13.32	58	14.21	74	1.33	1.10	0.80	20 .9%	56	18.5	60	248
36	Area Banshares Corp., Owensboro, KY	AREA	Bank	2,341	11	267	11.41	14.40	10.62	11.32	78	12.11	117	2.24	1.42	1.33	1.26	57.7%	14	21.1	43	2 52
37	Merchants Bancshares, Burlington, VT	Bank	701	186	65	9.23	16.72	17.46	17.98	39	17.39	26	2.39	2.21	1.99	1.45	8.1%	18.1	61	252
38	Independent Bank Corp., Rockland, MA	INDB	Bank	1,590	59	98	6.17	17.57	16.71	16.45	29	16.91	1.19	1.08	0.95	0.79	10.2%	113	14.6	86	25 9
39	Midwest Banc Holdings, Melrose Park, IL	MBHI	Bank	1,256	87	68	5.39	16.39	14.60	18.36	42	16.45	35	1.07	0.94	0.85	0.73	13.8%	90	13.6	92	259
40	NASB Financial, Grandview, MO	NASB	Th rift	826	159	79	9.55	17.15	20.86	20.13	32	19.38	9	1.40	1.48	1.19	0.82	-5.4%	170	19.5	51	262

Overall Rank	Company Name, Headquarters	Ticker	Industry	Total Asse ts 1999 ($ million)	Asset Rank	Total Equity 1999 ($ million)	Equity/Assets 1999 (%)	1999 (%)	1998 (%)	1997 (%)	< BR>Rank 1999	Avg. '97- '99 (%)	3-Year Rank	1999 ($)	1998 ($)	1997 ($)	1996 ($)	1999 Growth (%)	1999 Growth Rank	3-Year CAGR (%)	3-Year CAGR Rank	Total Score
41	First Banks America, Clayton, MO	FBA	Bank	921	147	72	7.87	13.66	8.10	8.90	90	10.22	160	1.66	0.90	0.86	0.40	84.4%	7	60.7	6	263
42	TrustCo Bank Corp of NY, Schenectady	TRST	Bank	2,364	10	166	7.04	21.27	19.44	19.24	7	19.98	0.68	0.63	0.58	0.52	7.9%	127	9.4	125	265< /TD>
43	Community Banks, Millersburg, PA	CTY	Bank	972	139	71	7.31	15.41	13.04	11.49	55	13.31	95	1.62	1.36	1.08	0.95	19.1%	67	19.5	52
44	Capital Holdings, Sylvania, OH	CLHD	B ank	989	133	86	8.71	15.33	14.52	15.22	59	15.02	50	1.50	1.30	1.14	0.98	15.4%	83	15.2	79	271
45	Suffolk Bancorp, Riverhead, NY	SUBK	Bank	981	77	7.88< /TD>	17.91	17.66	16.96	25	17.51	24	2.16	1.95	1.79	1.60	10.8%	108	10.5	114
46	Harleysville National Corp., Harleysville, PA	HNBC	Bank	1,636	54	130	7.93	17.10	16.12	16.05	34	1 6.42	36	2.82	2.54	2.27	1.96	11.0%	107	12.9	98	275
47	First Community Bancshares, Bluefield, VA	FCBC	Bank	1,088	112	103	9.51	16.23	13.02	16.05	45	15.10	48	1.92	1.49	1.58	28. 9%	33	6.7	150	276
48	S&T Bancorp, Indiana, PA	STBA	Bank	2,194	19	240	10.92	16 .50	14.80	13.71	40	15.00	51	1.51	1.35	1.17	1.00	11.9%	102	14.7	84	277
49	TriCo Bancshares, Chico, CA	TCBK	Bank	925	145	73	7.91	15.59	12.80	9.34	50	12.58	108	1.56	1.21	0.81	1.04	28.9%	32	14.5	87	277
50	West Coast Bancorp, Lake Oswego, OR	WCBO	Bank	1,355	80	117	8.62	14.86	12.97	15.75	69	14.53	1.10	0.87	0.92	0.77	26.4%	39	12.6	101	27 8
51	Great Southern Bancorp, Springfield, MO	GSBC	Bank	965	141	69	7.14	20.00	22.49	15.02	11	19.17	12	1.76	1.76	1.10	1.23	0.0%	160	12.7	1 00	283
52	Interchange Finl. Services Corp., Saddle Brook, NJ	IFC	Bank	706	183	58	8.25	15.52	14.53	14.95	52	15.00	52	1.36	1.19	1.10	0.94	14.3%	87	13.1	96	287
53	PennRock Finl. Services Corp., Blue Ball, P A	PRFS	Bank	842	155	59	7.03	16.39	14.86	13.72	43	14.99	54	1.79	1.59	1.25	12. 6%	95	12.7	99	291
54	Mid-State Bancshares, Arroyo Grande, CA	MDST	Bank	1,355	79	160	11.83	14.19	15.35	16.67	83	15.40< /TD>	44	1.94	1.88	1.76	0 .79	3.2%	146	34.9	19	292
55	BancFirst Ohio Corp., Zanesville, OH	Bank	1,2 74	85	80	6.29	14.29	11.55	13.20	79	13.01	102	1.58	1.33	1.35	0.89	18.8%	70	21.1	44	295
56	Sterling Bancorp, New York	STL	Bank	1,219	96	105	8.63	14 .23	13.24	13.20	81	13.56	91	1.64	1.40	1.21	0.96	17.1%	75	19.5	50	297
57	Century Bancorp, Medford, MA	CNBKA	Bank	926	60	6.51	14.78	14.11	13.56	73	14.15	75	1.56	1.39	1.17	0.93	12.2%	97	18.8	55	300
58	Sandy Spring Bancorp, Olney, MD	SASR	Bank	1,591	58	109	6.83	15.91	15.02	13.25	48	14.73	64	1.82	1.66	1.34	1.18	116	15.5	75	303
59	UCBH Holdings, San Francisco	UCBH	Bank	2,285	110	4.82< /TD>	18.00	12.52	12.33	23	14.28	72	2.01	1.26	1.05	-0.05	59.5%	13	-442.6	200	308
60	Anchor Financial Corp., Myrtle Beach, SC	AFSC	Bank	1,207	98	91	7.52	14.69	11.70	15.15	74	13.85	86	1.61	1.23	1.38	1. 21	30.9%	29	10.0	120	309

Overall Rank	Company Name, Headquarters	Ticker	Industry	Total Asse ts 1999 ($ million)	Asset Rank	Total Equity 1999 ($ million)	Equity/Assets 1999 (%)	1999 (%)	1998 (%)	1997 (%)	< BR>Rank 1999	Avg. '97- '99 (%)	3-Year Rank	1999 ($)	1998 ($)	1997 ($)	1996 ($)	1999 Growth (%)	1999 Growth Rank	3-Year CAGR (%)	3-Year CAGR Rank	Total Score
61	ITLA Capital Corp., La Jolla, CA	ITLA	Thrift	1,116	109	124	11.09	14.23	13.95	13.23	82	13.80	87	2.21	1.89	1.57	1.36	16.9%	76	17.6	65	310
62	Drovers Bancshares Corp., York, PA	DROV	Bank	720	179	51	7.11	15.15	14.69	13.88	63	14.57	67	1.52	1.36	1.14	0.99	11.8%	103	15.4	78	311
63	First Indiana Corp., Indianapolis	FISB	Thrift	1,98 0	31	177	8.95	13.37	11.96	12.16	98	12.50	110	1.77	1.44	1.36	1.06	22.9%	48	18.6	57	313
64	First Oak Brook Bancshares, Oak Brook, IL	FOBB	Bank	1,146	103	80	6.98	13.30	12.74	21.72	101	15.9 2	39	1.57	1.39	2.03	1.03	12.9%	92	15.1	81	313
65	Glacier Bancorp, Kalispell, MT	GBCI	Bank	884	79	8.91< /TD>	15.55	16.64	16.48	51	16.22	37	1.15	1.05	1.01	0.85	9.5%	117	10.6	113
66	Univest Corp. of Pennsylvania, Souderton, PA	UVSP	Bank	1,121	107	103	9.17	15.38	13.84	13.02	57	1 4.08	77	2.08	1.82	1.61	1.47	14.3%	88	12.3	103	325
67	Community Bank System, DeWitt, NY	CBU	Bank	1,841	40	108	5 .89	15.22	13.01	14.06	61	14.10	76	2.42	2.03	2.02	1.83	19.2%	66	9.8	122	325
68	MetroCorp Bancshares, Houston	MCBI	Ba nk	661	194	53	7.96	13.45	18.00	14.69	96	15.38	45	1.00	1.06	0.74	0.37	-5.7%	171	39.3	14	326
69	Second Bancorp, Warren, OH	SECD	Bank	1,537	65	116	7.57	13.33	4.44	11.80	100	9.86	164	1.51	0.52	1.25	0.92	190.4%	4	18.0	62	330
70	National Penn Bancshares, Boyerton, PA	NPBC	Bank	2,242	16	148	6.59	17.90	16.37	15.89	26	16.72	32	1.52	1.45	1.30	1.1 9	4.8%	140	8.5	133	331
71	Sterling Financial Corp., Spokane, WA	Thrift	2,547	6	118	4.62	10.68	5.42	11.06	153	9.05	173	1.57	0.76	1.25	0.11	106.6%< /TD>	6	142.6	2	334
72	Quaker City Bancorp, Whittier, CA	QCBC	Thrift	1,013	125	81	8.02	12.10	8.96	4.11	125	8.39	180	1.69	1.14	0.49	0.59	48.2%	18	42.0	13	336< /TD>
73	American Bank of Connecticut, Waterbury, CT	BKC	Thrift	763	170	58	7.55	16.07	18.98	15.85	47	16.97	29	2.10	2.24	1.42	-6. 3%	172	13.9	90	338
74	Seacoast Banking Corp. of Florida, Stuart, FL	SBCFA	1,081	113	77	7.13	14.64	11.64	9.17	76	1 1.82	126	2.40	1.84	1.42	1.71	30.4%	30	12.0	106	338
75	American Bancorp., Wheeling, WV	AMBC	Bank	711	181	28	3.96	16.19	14.64	14.15	46	14.99	53	1.71	1.66	1.44	1.17	3.0%	148	13.5	93
76	Baylake Corp., Sturgeon, WI	BYLK	Bank	646	200	46	7.15	15 .07	13.87	13.14	66	14.03	81	0.90	0.80	0.72	0.64	12.5%	96	12.0	104	347
77	Columbia Banking System, Tacoma, WA	COLB	Bank	1,23 7	92	99	8.02	12.32	12.05	14.41	121	12.93	104	0.98	0.85	0.79	0.54	15.3%	84	22.0	41	350
78	Hills Bancorp., Hills, IA	HBIA	Bank	774	167	60	7.79	14.5 4	13.87	14.62	77	14.34	71	5.66	5.02	4.78	4.15	12.7%	93	10.9	109	350
79	Ottawa Financial Corp., Holland, MI	OFCP	Thrift	1, 017	123	78	7.65	12.41	11.49	9.93	119	11.28	139	1.51	1.31	1.11	0.45	15.3%	85	49.7	9	352
80	Andover Bancorp, Andover, MA	ANDB	Thr ift	1,491	68	130	8.74	15.05	15.64	13.24	67	14.64	65	2.82	2.60	1.99	1.95	123	13.1	97	352

Overall Rank	Company Name, Headquarters	Ticker	Industry	Total Asse ts 1999 ($ million)	Asset Rank	Total Equity 1999 ($ million)	Equity/Assets 1999 (%)	1999 (%)	1998 (%)	1997 (%)	< BR>Rank 1999	Avg. '97- '99 (%)	3-Year Rank	1999 ($)	1998 ($)	1997 ($)	1996 ($)	1999 Growth (%)	1999 Growth Rank	3-Year CAGR (%)	3-Year CAGR Rank	Total Score
81	St. Francis Capital Corp., Brookfield, WI	STFR	Thrift	2,473	7	132	5.32	13.12	11.29	9.17	108	11.19	142	1.70	1.43	0.91	18 .9%	69	23.2	34	353
82	Republic Bancorp, Louisville, KY	RBCAA	Bank	1,369	75	104	7.58	11.90	15.82	18.81	130	15.51	0.71	0.83	0.79	0.16	-14.5%	183	64.3	5	360
83	Arrow Financial Corp., Glens Falls, NY	AROW	Bank	1 ,001	130	72	7.22	17.02	15.51	15.19	36	15.91	40	1.66	1.48	1.35	2.36	12.2%	98	-11.1	192	366
84	Peoples Holding Co., Tupelo, MS	PHC	B ank	1,163	102	116	9.98	13.19	11.08	11.25	103	11.84	125	2.38	1.94	1.82	1.62	22.7%	49	13.7	91	368
85	Lakeland Financial Corp., Warsaw, IN	Bank	1,0 40	119	54	5.21	15.08	15.57	16.81	65	15.82	41	1.43	1.36	1.30	1.11	5.1%	137	8.8	129	372
86	Shoreline Financial Corp., Benton Harbor, MI	SLFC	Bank	1,013	126	80	7.88	15.20	14.46	15.08	62	14 .91	57	1.15	1.07	0.99	0.88	7.5%	129	9.3	126	374
87	Fidelity Bankshares, West Palm Beach, FL	FFFL	Thrift	1,719	48	83	4.85	11.04	8.33	7.62	147	9.00	175	1.40	1.10	0.95	0.53	27.3%	38	38.2	15	375
88	First Financial Bankshares, Abilene, TX	FFIN	Bank	1,723	45	179	10.37	14.84	14.51	14.37	71	14.57< /TD>	66	2.57	2.33	2.11	1 .97	10.3%	112	9.3	127	376
89	First Busey Corp., Urbana, IL	BUSE	Bank	1,247	90	82	6.60< /TD>	14.68	14.02	13.42	75	14.04	80	0.90	0.81	0.74	0.67	11.1%	106	10.3	116
90	PAB Bankshares, Valdosta, GA	PAB	Bank	665	193	70	10.47	1 2.81	13.69	13.81	112	13.44	94	0.89	0.78	0.72	0.59	14.1%	89	14.7	85	380
91	Flushing Financial Corp., Flushing, NY	FFIC	Thrift	1,250	89	118	9.46	10.31	7.51	6.41	160	8.08	181	1.37	0.98	0.79	0.57	39.8%< /TD>	20	34.0	20	381
92	Premier National Bancorp, Lagrangeville, NY	PNB	Bank	1,596	57	142	8.90	8.53	12.44	85	11.63	129	1.21	0.74	1.01	1.03	63.5%	10	5.5	157	381
93	First Defiance Financial Corp., Defiance, O H	FDEF	Thrift	988	134	89	9.05	9.52	2.99	4.69	176	5.73	193	1.29	0.40	0.42	222 .5%	3	45.4	11	383
94	FVNB Corp., Victoria, TX	FVNB	Bank	655	196	60	9.20	12.27	9.81	9.05	122	10.38	153	3.04	2.56	2.10	1.67	18.8%	71	22.1	40	386
95	Home Federal Bancorp, Seymour, IN	HOMF	Thrift	745< /TD>	172	70	9.35	15.12	16.66	12.62	64	14.80	61	1.95	1.90	1.30	1.43	2.6%	152	10.9	110	387
96	Southwest Bancorp, Stillwater, OK	OKSB	Bank	1,120	108	64	5.73	13.83	14.33	7.54	87	11.90	122	2.19	1.89	0.88	1.56	15.9%	79	12.0	105	393< /TD>
97	HMN Financial, Spring Valley, MN	HMNF	Thrift	699	187	65	9 .23	9.18	5.38	6.79	178	7.12	186	1.41	0.77	0.94	0.64	83.1%	8	30.1	25
98	First Bell Bancorp, Pittsburgh	FBBC	T hrift	816	161	55	6.68	12.50	10.36	10.17	116	11.01	147	1.61	1.35	1.23	1.02	19.3%	65	16.4	69	397
99	Alliance Bancorp, Hinsdale, IL	ABCL	Thrift	1,962	32	154	7 .83	10.37	8.32	8.88	159	9.19	171	1.59	1.26	1.26	0.75	26.2%	41	28.5	27	398
100	Commonwealth Bancorp, Norristown, PA	CMSB	Thrift	1,922	34	152	7.93	9.76	5.39	7.56	169	7.57	184	1.32	0.73	1.02	0.72	80.8%	9	22.4	37	39 9

Overall Rank	Company Name, Headquarters	Ticker	Industry	Total Asse ts 1999 ($ million)	Asset Rank	Total Equity 1999 ($ million)	Equity/Assets 1999 (%)	1999 (%)	1998 (%)	1997 (%)	< BR>Rank 1999	Avg. '97- '99 (%)	3-Year Rank	1999 ($)	1998 ($)	1997 ($)	1996 ($)	1999 Growth (%)	1999 Growth Rank	3-Year CAGR (%)	3-Year CAGR Rank	Total Score
101	Parkvale Financial Corp., Monroeville, PA< /TD>	PVSA	Thrift	1,202	99	85	7.08	14.98	14.59	10.15	68	13.24	99	1.88	1.68	1.47	11 .9%	101	8.5	132	400
102	First Charter Corp., Concord, NC	FCTR	Bank	1,894	38	228	12.02	11.34	3.68	7.47	137	7.50	185	1.45	0.50	1.03	0.94	190.0%	5	15.5	74	401
103	BostonFed Bancorp, Burlington, VT	BFD	Thrift	1,25 4	88	86	6.84	10.00	9.02	8.21	164	9.08	172	1.71	1.43	1.24	0.48	19.6%	52.7	8	406
104	Jefferson Savings Bancorp, Ballwin, MO	JSBA	Thrift	1,583	61	126	7.97	8.10	6.28	9.49	187	7.96	182	1.05	0.78	1.08	0. 35	34.6%	25	44.2	12	406
105	NBT Bancorp, Norwich, NY	NBTB	Bank	1,394	73	127	9.08	14.27	14.93	12.97	80	14.06	79	1.40	1.42	1.10	0.92	-1.4%	164	15.0	83	406
106	Firstbank Corp., Alma, MI	FBMI	Bank< /TD>	651	199	61	9.38	13. 37	12.98	13.48	99	13.28	97	1.66	1.48	1.30	1.22	12.2%	99	10.8	111	406
107	Allegiant Bancorp, St. Louis	ALLE	Bank	728	48	6.59	11.00	10.14	9.55	149	10.23	159	0.83	0.68	0.49	0.48	22.1%	51	20.0	48	407
108	Tompkins Trustco, Ithaca, NY	TMP	Ban k	1,189	100	97	8.13	15.31	18.51	18.42	60	17.41	25	2.12	2.27	2.00	1.75	-6.6%	173	6.6	151	409
109	First Financial Corp., Terre Haute, IN	THFF	Bank	1,905	37	169	8.85	12.55	10.76	11.74	115	11.68	127	3.10	2.58	2.58	2.28	20.2 %	59	10.8	112	413
110	First Fed. Savings & Loan of East Hartford, CT	FFES	1,005	129	65	6.50	10.16	7.30	8.80	162	8.75	177	2.54	1.83	2.02	1.51	38.8%	22	18.9	54	415
111	USBANCORP, Inc., Johnston, PA	UBAN	Bank	2,467	8	113	4.56	15.48	14.13	15.00	53	14.87	58	1.52	1.48	1.54	1.28	2.7%	150	5.9	154
112	Eagle Bancshares, Tucker, GA	EBSI	Th rift	1,230	94	75	6.08	13.50	10.00	5.55	94	9.68	167	1.74	1.23	0.66	1.40	41.5%	19	7.5	144	424
113	Sterling Financial Corp., Lancaster, PA	SLFI	Bank	1,059	116	90	8.50	14.86	14.91	14.45	70	14.74	63	1.48	1.43	1.28	1.20	3.5%< /TD>	144	7.2	147	424
114	Metropolitan Finl. Corp., Mayfield Heights, OH	METF	1,608	56	45	2.79< /TD>	10.09	17.16	17.58	163	14.94	55	0.57	0.90	0.75	0.22	-36.7%	193	37.3	16	427
115	BancFirst Corp., Oklahoma City	BANF	Bank	2,336	13	165	7. 05	12.96	10.95	12.14	110	12.02	119	2.75	2.27	2.21	2.22	21.1%	7.4	145	427
116	Community Trust Bancorp, Pikeville, KY	CTBI	Bank	2,176	20	172	7.92	12.89	8.59	12.31	111	11.26	140	1.79	1.14	1.31	1 .55	57.0%	15	4.9	162	428
117	Mid-America Bancorp, Louisville, KY	Bank	1,74 5	42	179	10.23	12.97	12.54	12.15	109	12.55	109	2.08	1.88	1.70	1.46	10.6%	111	12.5	102	431
118	MetroWest Bank, Framingham, MA	MWBX	Thrift	763	171	55	7.18	14.83	16.97	17.94	72	16.58	33	0.55	0.57	0.53	0.47	168	5.4	158	431
119	Security Banc Corp. Springfield, OH	Bank	976	137	119	12.20	14.18	13.69	13.92	84	13.93	85	1.39	1.28	1.19	1.11	8.6%	122	7.8	142	433
120	LSB Bancshares, Lexington, NC	LXBK	B ank	727	176	71	9.73	13.14	12.30	10.31	107	11.92	121	1.09	0.98	0.77	0.79	104	11.3	107	439

Overall Rank	Company Name, Headquarters	Ticker	Industry	Total Asse ts 1999 ($ million)	Asset Rank	Total Equity 1999 ($ million)	Equity/Assets 1999 (%)	1999 (%)	1998 (%)	1997 (%)	< BR>Rank 1999	Avg. '97- '99 (%)	3-Year Rank	1999 ($)	1998 ($)	1997 ($)	1996 ($)	1999 Growth (%)	1999 Growth Rank	3-Year CAGR (%)	3-Year CAGR Rank	Total Score
121	TF Financial Corp., Newtown, PA	THRD	Thrift	722	178	48	6 .71	8.60	7.79	7.39	184	7.93	183	1.52	1.19	1.25	0.83	27.7%	36	22.3	38
122	Old Second Bancorp, Aurora, IL	OSBC	Bank	999	131	104	10.39	12.06	11.31	11.05	126	11.47	134	2.04	1.81	1.57	1.37	12.7%	94	14.2	89	443
123	Medford Bancorp, Medford, MA	MDBK	Thrift	1,225	95	91	7.4 2	13.52	11.99	11.81	93	12.44	111	1.44	1.31	1.19	1.10	9.9%	115	9.4	124	443
124	CENIT Bancorp, Norfolk, VA	CNIT	Thri ft	674	192	51	7.60	11.97	12.04	12.00	128	12.00	120	1.30	1.27	1.20	0.72	2.4%	154	21.8	42	444
125	Chemung Financial Corp., Elmira, NY	Bank	653	198	65	10.00	12.66	11.41	11.67	114	11.44	136	2.03	1.77	1.66	1.48	14.7%	86	11.1	1 08	444
126	State Finl. Services Corp., Hales Corners, WI	SFSW	1,090	111	110	10.06< /TD>	6.00	0.86	5.39	194	4.08	195	0.80	0.12	0.74	0.48	566.7%	1	18.6	58	448
127	First Commerce Bancshares, Lincoln, NE	FCBIA	Bank	2,610	3	258	9.87	12.44	12.15	12.48	118	12.36	114	2.33	2.15	1.96	1.60	8.4%	124	13.3	94	450
128	ABC Bancorp, Moultrie, GA	ABCB	Bank< /TD>	790	166	76	9.63	12. 00	10.07	11.35	127	11.14	143	1.03	0.79	0.85	0.84	30.4%	31	7.0	149	450
129	FMS Financial Corp., Burlington, NJ	Thrift	7 73	168	46	5.97	11.41	12.80	15.11	136	13.11	101	0.70	0.72	0.75	0.40	-2.8%	167	20.5	47	451
130	First United Corp., Oakland, MD	FUNC	Bank	793	165	58	7.32	13.56	12.93	11.70	92	12.73	107	1.30	1.20	1.05	1.00	125	9.1	128	452
131	Peoples Bancorp, Marietta, OH	PEBO	Bank	1,075	114	73	6.7 8	13.27	12.21	14.32	102	13.27	98	1.53	1.40	1.33	1.21	9.3%	120	8.1	137	457
132	MB Financial, Chicago	MBFI	Bank	1,309	82	79	6.06	13.79< /TD>	11.16	-22.60	88	0.78	200	1.51	1.25	-3.59	1.13	20.8%	57	10.1	118	463
133	Abington Bancorp, Abington, MA	ABBK	Thrift	696	188	28	4. 00	13.42	12.68	12.60	97	12.90	105	1.20	1.17	1.10	0.89	2.6%	153	10.5	115	470
134	Sun Bancorp, Vineland, NJ	SNBC	Bank< /TD>	1,981	30	91	4.60	11 .08	14.29	12.89	146	12.75	106	1.06	1.14	0.74	0.60	-7.0%	175	20.9	45	472
135	First Essex Bancorp, Andover, MA	FESX	Thrift	1,37 7	74	92	6.65	13.16	11.73	11.18	105	12.02	118	1.63	1.41	1.25	1.47	15.6%	82	3.5	168	473
136	PennFed Financial Services, West Orange, NJ	PFSB	Thrift	1,559	64	108	6.90	11.03	10.96	7.42	148	9.80	166	1.29	1.16	0.73	0.77	11.2%	105	18.8	56	475
137	Hamilton Bancorp, Miami	HABK	Bank	1,721	46	134	7.78	13.58	20.01	20.05	91	17.88	22	1.79	2.12	1.73	1.79	-15.6%	185	0.0	179	477
138	Klamath First Bancorp, Klamath Falls, OR	KFBI	Thrift	1,042	118	110	10.52	7.55	6.52	5.85	190	6.6 4	190	1.18	1.00	0.88	0.55	18.0%	73	29.0	26	479
139	First Northern Capital Corp., Green Bay, W I	FNGB	Thrift	840	156	77	9.15	9.60	9.08	8.38	174	9.02	174	0.83	0.75	0.36	10. 7%	109	32.1	24	481
140	Sun Bancorp, Selinsgrove, PA	SUBI	Ba nk	711	182	56	7.88	13.78	13.01	15.16	89	13.98	82	1.28	1.26	1.22	1.08	1.6%	156	5.8	155	482

Overall Rank	Company Name, Headquarters	Ticker	Industry	Total Asse ts 1999 ($ million)	Asset Rank	Total Equity 1999 ($ million)	Equity/Assets 1999 (%)	1999 (%)	1998 (%)	1997 (%)	< BR>Rank 1999	Avg. '97- '99 (%)	3-Year Rank	1999 ($)	1998 ($)	1997 ($)	1996 ($)	1999 Growth (%)	1999 Growth Rank	3-Year CAGR (%)	3-Year CAGR Rank	Total Score
141	Citizens & Northern Corp., Wellsboro, PA	CZNC	Bank	706	184	77	10.85	13.18	12.58	14.56	104	13.44	93	2.20	2.12	1.93	1.77	3.8%	143	7.5	143	483
142	Granite State Bankshares, Keene, NH	GSBI	Bank	868	153	70	8.11	13.88	13.30	3.57	86	10.25	158	1.71	1.60	0.40	1.28	6.9%	133	10.1	119	496
143	VIB Corp, El Centro, CA	VIBC	Bank	918	148	58	6.34	10.70	1 2.83	158	11.31	137	0.52	0.49	0.47	0.32	6.1%	136	17.6	66	497
144	BankFirst Corp., Knoxville, TN	BKFR	Bank	813	163	87	10.64	10.42	9.85	11.93	156	10.73	150	0.73	0.59	0.61	0.59	47	7.4	146	499
145	Washington Trust Bancorp, Westerly, RI	WASH	Bank	1,105	110	77	6.99	13.45	14.22	14.27	95	13.98	83	0.96	0.97	0.89	0.83	-1.0%< /TD>	163	5.0	160	501
146	ESB Financial Corp., Ellwood City, PA	ESBF	Thrift	1,032	121	50	4.83	9.93	9.10	8.64	165	9.22	170	1.03	0.98	0.89	0.5 4	5.1%	138	24.0	33	506
147	FFY Financial Corp., Youngstown, OH	Thrift	6 76	191	70	10.38	10.26	9.28	5.73	161	8.42	179	1.11	0.99	0.60	0.69	12.1%	100	17.2	6 8	508
148	First National Bancorp, Joliet, IL	FNBJ	Bank	1,015	124	87	8.60	12.24	12.14	12.39	123	12.26	116	3.45	3.21	3.02	2.80	7.5%	128	7.2	148	5 15
149	Brenton Banks, Des Moines, IA	BRBK	Bank	1,985	29	132	6.6 5	12.35	15.37	14.47	120	14.06	78	0.80	0.95	0.84	0.63	-15.8%	186	8.3	134	518
150	First Merchants Corp., Muncie, IN	FRME	Bank	1,474	69	126	8.57	12.75	12.15	12.28	113	12.39	1.58	1.51	1.43	1.32< /TD>	4.6%	141	6.2	152	51 8
151	Commercial Bank of New York, New York	CBNY	Bank	1 ,340	81	84	6.24	9.71	5.87	11.20	170	8.93	176	1.56	0.96	1.68	1.35	62.5%	11	4.9	161	518
152	Camden National Corp., Camden, ME	CAC	Bank	928	143	78	8.36	13.16	15.23	15.20	106	14.53	68	1.27	1.41	1.31	1.14	-9.9%	178	3.7	167	519
153	Wintrust Financial Corp., Lake Forest, IL< /TD>	WTFC	Bank	1,679	51	93	5.53	11.58	8.68	7.88	134	9.38	169	1.10	0.74	0.60	-0.16	48.6 %	17	-290.1	199	519
154	Hawthorne Financial Corp., El Segundo, CA	HTHR	Thrift	1,581	62	92	5.84	18.22	19.83	132	16 .57	34	1.33	1.65	1.30	1.17	-19.4%	189	4.4	165	520
155	National City Bancorp., Minneapolis, MN	NCBM	Bank	1,140	104	152	13.33	11.25	11.21	12.04	140	11.50	133	1.90	1.77	1.68	1.42	7 .3%	131	10.2	117	521
156	CPB Inc., Honolulu	CPBI	Bank	1,646	52	144	8.75	10.93	9.79	10.18	150	10.30	155	1.68	1.45	1.40	1.33	15.9%	80	8.1	138	523
157	Indiana United Bancorp, Greensburg, IN	IUBC	Bank	979	136	59	6.05	11.85	11.23	13.83	131	12.30	115	1.47	1.35	1.52	1.25	8.9%	121	5.6	156	523
158	Capitol Bancorp Ltd., Lansing, MI	CBCL	Bank	1,306	83	55	4.19	10.41	10.19	13.28	157	11.29	0.86	0.72	0.88	0.82	19.4%	63	1.6	174	532
159	FCNB Corp., Frederick, MD	FCNB	Bank	1,506	66	90	5.96	11.15	9.48	12.46	143	11.03	146	0.87	0.79	0.95	0.69	10.1%	114	8.0	139	542
160	Corus Bankshares, Chicago	CORS	Bank< /TD>	2,388	9	328	13.73	1 2.46	13.73	14.94	117	13.71	88	2.81	2.75	2.63	2.93	2.2%	155	-1.4	182	542

Overall Rank	Company Name, Headquarters	Ticker	Industry	Total Asse ts 1999 ($ million)	Asset Rank	Total Equity 1999 ($ million)	Equity/Assets 1999 (%)	1999 (%)	1998 (%)	1997 (%)	< BR>Rank 1999	Avg. '97- '99 (%)	3-Year Rank	1999 ($)	1998 ($)	1997 ($)	1996 ($)	1999 Growth (%)	1999 Growth Rank	3-Year CAGR (%)	3-Year CAGR Rank	Total Score
161	Monroe Bank & Trust, Monroe, MI	MBKT	Bank	1,216	97	140	1 1.48	11.92	13.17	15.54	129	13.54	92	1.71	1.66	1.78	1.65	3.0%	1.2	176	544
162	Gold Banc Corporation, Leawood, KS	GLDB	Bank	1,407	71	87	6.18	11.15	15.14	15.56	144	13.95	0.57	0.71	0.64	0.45	-19.7%	190	8.2	136	5 54
163	Chemical Financial Corp., Midland, MI	CHFC	Bank	1 ,890	39	250	13.20	11.29	11.32	11.06	139	11.22	141	1.94	1.82	1.68	1.54	6.6%	134	8.0	140	554
164	First M & F Corp., Kosciusko, MS	FMFC	Bank	1,023	122	91	8.86	12.19	12.93	14.81	124	13.31	2.15	2.16	2.24	2.10	-0.5%	161	0.8	178	559
165	MASSBANK Corp., Reading, MA	MASB	Thrift	925	101	10.9 7	10.66	10.05	10.51	155	10.41	152	3.25	2.97	2.77	2.58	9.4%	118	8.0	141	566
166	Capital City Bank Group, Tallahassee, FL	CCBG	Bank	1,431	70	132	9.24	11.64	12.37	13.15	133	12.3 9	113	1.50	1.50	1.42	1.31	0.0%	159	4.6	163	568
167	Simmons First National Corp., Pine Bluff, AR	SFNCA	Bank	1,697	49	159	9.39	10.92	11.24	10.98	151	11.05	144	2.33	2.27< /TD>	2.04	1.77	2.6%	151	9.6	123	569
168	IBERIABANK Corporation, New Iberia, LA	IBKC	Bank	1,364	78	117	8.59	7.84	8.47	4.66	188	6.99	187	1.53	1.56	0.83	0.80	-1.9%	166	24.1	31	572
169	BSB Bancorp, Binghamton. NY	BSBN	Bank	2,241	154	6.89< /TD>	11.41	14.79	14.65	135	13.62	89	1.77	2.08	1.93	1.67	-14.9%	184	2.0	172	580
170	Omega Financial Corp., State College, PA	OMEF	Bank	1,053	117	151	14.35	11.35	12.26	138	11 .64	128	1.85	1.79	1.77	1.69	3.4%	145	3.1	170	581
171	Ambanc Holding Co., Amsterdam, NY	AHCI	Thrift	741	173	76	10.21	5.26	1.64	4.52	195	3.81	196	0.87	0.26	0.69	-0.80	234.6%	2	-202.8	19 8	591
172	Farmers Capital Bank Corp., Frankfort, KY	FFKT	Bank	1,040	120	125	12.03	11.20	11.92	12.50	141	1 1.87	124	1.86	1.89	1.86	1.65	-1.6%	165	4.1	166	596
173	BT Financial Corp., Johnstown, PA	BTFC	Bank	2,061	26	185	8.98	11.11	11.52	11.92	145	11.52	131	1.25	1.26	1.30	1.08	-0.8%	162	5.0	15 9	597
174	UnionBancorp, Ottawa, IL	UBCD	Bank	704	185	56	8.00	9.83	9.98	9.61	168	9.81	165	1.27	1.22	1.08	0.99	4.1%	142	8.7	131	606
175	Fidelity National Corp., Atlanta	LION	Bank	883	151	55	6. 19	8.95	7.26	3.69	180	6.63	191	0.53	0.42	0.15	-1.24	26.2%	40	-175.3	197	608
176	First National Corp., Orangeburg, SC	FNC	Bank	872	152	76	8.69	10.79	12.19	12.72	152	11.90	1.13	1.21	1.14	1.02< /TD>	-6.6%	174	3.5	169	6 18
177	Camco Financial Corp., Cambridge, OH	Thrift	813	162	63	7.70	9.65	11.95	10.65	171	10.75	149	1.02	1.19	0.91	0.77	-14.3%< /TD>	182	9.8	121	623
178	CNB Financial Corp., Canojoharie, NY	CNBF	Bank	914	149	55	5.98	10.67	13.83	14.99	154	13.16	100	0.83	1.00	0.99	0.90	-17.0%	187	-2.7	185	626
179	National City Bancshares, Evansville, IN	NCBE	Bank	2,203	18	223	10.12	9.90	10.17	14.31	166	11.46	135	1.27	1.21	1.41	5. 0%	139	-3.4	186	626
180	Century South Banks, Apharetta, GA	CSBI	Bank	1,272	86	125	9.80	11.17	12.84	9.11	142	11.04	1.21	1.32	0.87	1.15< /TD>	-8.3%	177	1.7	173	6 37

Overall Rank	Company Name, Headquarters	Ticker	Industry	Total Asse ts 1999 ($ million)	Asset Rank	Total Equity 1999 ($ million)	Equity/Assets 1999 (%)	1999 (%)	1998 (%)	1997 (%)	< BR>Rank 1999	Avg. '97- '99 (%)	3-Year Rank	1999 ($)	1998 ($)	1997 ($)	1996 ($)	1999 Growth (%)	1999 Growth Rank	3-Year CAGR (%)	3-Year CAGR Rank	Total Score
181	Eldorado Bancshares, Laguna Hills, CA	ELBI	Bank	1 ,366	76	118	8.61	-2.67	4.60	5.47	200	2.47	199	0.40	0.33	0.37	0.81	21.2%	52	-21.0	194	645
182	WesterFed Financial Corp., Missoula, MT	WSTR	Thrift	1,007	128	91	9.05	6.73	5.15	192	6.27	192	1.37	1.29	0.96	1 .08	6.2%	135	8.3	135	654
183	German American Bancorp, Jasper, IN	Bank	993	132	87	8.81	9.61	10.16	10.79	173	10.19	161	0.96	0.95	0.92	0.84	1.1%	4.6	164< /TD>	655
184	WesBanco Inc., Wheeling, WV	WSBC	Ban k	2,270	15	270	11.88	9.85	9.55	8.99	167	9.46	168	1.37	1.36	1.23	1.31	0.7%	158	1.5	175	668
185	NBC Capital Corp., Starkville, MS	NBY	Bank	974	138	111	1 1.43	9.42	9.13	11.23	177	9.93	163	1.46	1.42	1.67	1.66	2.8%	149	-4.2	187	676
186	Heartland Financial USA, Dubuque, IA	HTLF	Bank	1,184	101	87	7.31	9.61	11.26	11.59	172	10.82	148	0.84	0.94	0.89	0.8 5	-10.6%	180	-0.4	180	680
187	Independent Bank Corp., Ionia, MI	IBCP	Bank	1,725	44	114	6.59	7.26	15.60	16.01	191	12.96	103	0.75	1.31	1.16	1.05	-42.7%	195	-10.6	191	680
188	Southside Bancshares Corp., St. Louis	SBCO	Bank	678	190	64	9.50	9.54	11.12	11.44	175	10.70	151	0.72	0.80	0.75	0.75	-10.0%	179	-1.4	181	686
189	Main Street Bancorp, Reading, PA	MBNK	Bank	1,497< /TD>	67	79	5 .26	9.02	12.34	13.16	179	11.51	132	0.76	1.12	1.00	0.82	-32.1%	-2.5	184	686
190	F&M Bancorp, Frederick, MD	FMBN	Bank	1,719	47	144	8.36	8.80	10.02	11.96	181	10.26	157	1.18	1.33	1.56	1.15	-11.3%	181	0.9	177	696
191	Premier Financial Bancorp, Georgetown, KY< /TD>	PFBI	Bank	852	154	52	6.11	8.54	10.80	11.51	185	10.28	156	0.88	1.09	1.10	0.82	-19. 3%	188	2.4	171	700
192	United National Bancorp, Bridgewater, NJ	UNBJ	Bank	2,090	23	118	5.67	8.43	12.83	13.37	186	11.54	130	0.75	1.22	1.14	1.02	-38.5%	194	-9.7	190	700
193	Union Bankshares Corp., Bowling Green, VA< /TD>	UBSH	Bank	822	160	69	8.37	8.74	9.53	12.67	182	10.31	154	0.84	0.91	1.09	1.03	-7.7%	176	-6.6	189	701
194	York Financial Corp., York, PA	YFED	Thrift	1,365	77	110	8.09	8.64	9.61	7.46	183	8.57	178	0.92	0.96	0.71	1.08	169	-5.2	188	718
195	Republic Bancshares, St. Petersburg, FL	REPB	Bank	2,566	4	170	6.63	6.38	-8.10	9.65	193	2.64	198	0.95	-1.34	1.01	0.74	-170.9 %	199	8.7	130	720
196	Patriot Bank Corp., Pottstown, PA	PBIX	Bank	1,129	105	50	4.41	4.00	8.72	7.22	197	6.65	189	0.37	0.78	0.59	0.31	-52.6%	196	6.1	153	735< /TD>
197	Lakeland Bancorp, Oak Ridge, NJ	LBAI	Bank	830	157	72	8.7 1	7.64	11.03	11.73	189	10.13	162	0.42	0.63	0.60	0.72	-33.3%	192	-16.4	193	736
198	Banc Corp., Birmingham, AL	TBNC	Bank	827	158	69	8.32	4. 33	-0.78	7.05	196	3.53	197	0.20	-0.03	0.29	0.21	-766.7%	200	-1.6	183	776
199	HF Financial Corp., Sioux Falls, SD	HFFC	Thrift	6 59	195	49	7.37	1.99	11.73	7.17	198	6.96	188	0.24	1.42	0.79	1.00	-83.1%	197	-37.9	195	778
200	CB Bancshares, Honolulu	CBBI	Bank	1,620	55	115	7.08	0.2 4	6.49	5.90	199	4.21	194	0.09	2.35	2.03	1.99	-96.2%	198	-64.4	196	787

Source: Data provided by SNL Securities, Charlottesville, VA. Calculations and rankings by U .S. Banker.