ARKANSAS BUSINESS RANKINGS: MORTGAGE LENDERS.

               ARKANSAS BUSINESS RANKINGS: MORTGAGE LENDERS
     Ranked by amount loaned in 1999 (all dollar amounts in millions)
                             John Henry
                             Michael Whiteley
Company                                                         1999 Loans
Mortgage Address (Phone, Fax)                                   % Change
1. Regious Mortage (First Commercial Corp.) [+]                   $683.5
400 W. Capitol Ave., Little Rock, 72201 (371-6776, 371-6610)          --
2. Pulaski B&TC/Pulaski Mortgage Co.                              $422.0
5800 R St., Little Rock, 72207 (501-661-7889, 661-1124 fax)        -21.9
3. Bank of the Ozarks                                             $262.7
12615 Chenal Parkway, Little Rock, 72231 (978-2265, 978-2315)         NA
4. Superior Federal Bank [++]                                     $224.0
5000 Rogers Ave., Fort Smith, 72903 (370-2501, 370-2500 fax)         +29
5. Simmons Firt National Corp.                                    $175.6
8315 Cantrell Rd., Suite 110, 72227                                +12.3
(501-223-4200, 223-4297 fax)
6. Metropolitan National Bank                                     $151.9
11525 Financial Centre Parkway, LR,                                +28.0
72205 (978-7650, 978-7682 fax)
7. First Financial Mortgage [@]                                   $147.4
1508 Market St., Little Rock, 72211 (227-7087, 221-2170 fax)         -33
8. Mercantile Bank of Arkansas                                    $147.1
#1 Riverfront Place, NLR, 72114 (688-1300, 370-4392 fax)             +33
9. First Federal Bank                                             $137.5
200 W. Stephenson, Harrison, 72601 (870-741-7641, 365-8355 fax)    +11.8
10. Bank of America Mortgage [*]                                  $115.2
10825 Financial Centre Pkway #124, Little                          -42.1
Rock, 72201 (219-4520, 378-4311 fax)
11. Norwest Mortgage Inc.                                           $110
1602 Merrill Drive, LR, 72212 (221-2132, 221-2023 fax)             -18.5
12. Bank of Little Rock Mortgage Corp.                             $90.0
900 S. Shackleford Road, Suite 220, Little                            83
Rock, 72211 (219-9100, 224-8597 fax)
12. First Arkansas Mortgage                                        $90.0
112 N. Bailey, Jacksonville, 72076 (501-967-8000, 967-4679)        +33.8
14. First Security Bank                                            $76.0
314 N. Spring, Searcy, 72143 (279-3400, 279-3455 fax)               +2.4
15. Pocahantas Federal Savings and Loan                            $72.9
203 W. Broadway, Pocahontas, 72455                                 +22.3
(870-892-4595, 870-892-8876 fax)
16. First Home Mortgage Inc.                                       $72.3
8 Shackleford Plaza, LR, 72211 (227-0013, 227-4155 fax)            -14.4
Company                                                         Mortgages
Mortgage Address (Phone, Fax)                                   Originated
1. Regious Mortage (First Commercial Corp.) [+]                    663.0
400 W. Capitol Ave., Little Rock, 72201 (371-6776, 371-6610)
2. Pulaski B&TC/Pulaski Mortgage Co.                              $422.0
5800 R St., Little Rock, 72207 (501-661-7889, 661-1124 fax)
3. Bank of the Ozarks                                              262.7
12615 Chenal Parkway, Little Rock, 72231 (978-2265, 978-2315)
4. Superior Federal Bank [++]                                       $159
5000 Rogers Ave., Fort Smith, 72903 (370-2501, 370-2500 fax)
5. Simmons Firt National Corp.                                    $175.6
8315 Cantrell Rd., Suite 110, 72227
(501-223-4200, 223-4297 fax)
6. Metropolitan National Bank                                     $151.9
11525 Financial Centre Parkway, LR,
72205 (978-7650, 978-7682 fax)
7. First Financial Mortgage [@]                                   $147.4
1508 Market St., Little Rock, 72211 (227-7087, 221-2170 fax)
8. Mercantile Bank of Arkansas                                    $147.1
#1 Riverfront Place, NLR, 72114 (688-1300, 370-4392 fax)
9. First Federal Bank                                             $137.5
200 W. Stephenson, Harrison, 72601 (870-741-7641, 365-8355 fax)
10. Bank of America Mortgage [*]                                  $115.2
10825 Financial Centre Pkway #124, Little
Rock, 72201 (219-4520, 378-4311 fax)
11. Norwest Mortgage Inc.                                           $110
1602 Merrill Drive, LR, 72212 (221-2132, 221-2023 fax)
12. Bank of Little Rock Mortgage Corp.                              60.0
900 S. Shackleford Road, Suite 220, Little
Rock, 72211 (219-9100, 224-8597 fax)
12. First Arkansas Mortgage                                          $90
112 N. Bailey, Jacksonville, 72076 (501-967-8000, 967-4679)
14. First Security Bank                                            $76.0
314 N. Spring, Searcy, 72143 (279-3400, 279-3455 fax)
15. Pocahantas Federal Savings and Loan                            $72.9
203 W. Broadway, Pocahontas, 72455
(870-892-4595, 870-892-8876 fax)
16. First Home Mortgage Inc.                                       $72.3
8 Shackleford Plaza, LR, 72211 (227-0013, 227-4155 fax)
Company                                                         Mortgages
Mortgage Address (Phone, Fax)                                   Purchased
1. Regious Mortage (First Commercial Corp.) [+]                  20.5
400 W. Capitol Ave., Little Rock, 72201 (371-6776, 371-6610)
2. Pulaski B&TC/Pulaski Mortgage Co.                                0
5800 R St., Little Rock, 72207 (501-661-7889, 661-1124 fax)
3. Bank of the Ozarks                                              --
12615 Chenal Parkway, Little Rock, 72231 (978-2265, 978-2315)
4. Superior Federal Bank [++]                                      65
5000 Rogers Ave., Fort Smith, 72903 (370-2501, 370-2500 fax)
5. Simmons Firt National Corp.                                     --
8315 Cantrell Rd., Suite 110, 72227
(501-223-4200, 223-4297 fax)
6. Metropolitan National Bank                                      --
11525 Financial Centre Parkway, LR,
72205 (978-7650, 978-7682 fax)
7. First Financial Mortgage [@]                                    --
1508 Market St., Little Rock, 72211 (227-7087, 221-2170 fax)
8. Mercantile Bank of Arkansas                                     --
#1 Riverfront Place, NLR, 72114 (688-1300, 370-4392 fax)
9. First Federal Bank                                              --
200 W. Stephenson, Harrison, 72601 (870-741-7641, 365-8355 fax)
10. Bank of America Mortgage [*]                                   --
10825 Financial Centre Pkway #124, Little
Rock, 72201 (219-4520, 378-4311 fax)
11. Norwest Mortgage Inc.                                          --
1602 Merrill Drive, LR, 72212 (221-2132, 221-2023 fax)
12. Bank of Little Rock Mortgage Corp.                             --
900 S. Shackleford Road, Suite 220, Little
Rock, 72211 (219-9100, 224-8597 fax)
12. First Arkansas Mortgage                                        --
112 N. Bailey, Jacksonville, 72076 (501-967-8000, 967-4679)
14. First Security Bank                                            --
314 N. Spring, Searcy, 72143 (279-3400, 279-3455 fax)
15. Pocahantas Federal Savings and Loan                          $9.3
203 W. Broadway, Pocahontas, 72455
(870-892-4595, 870-892-8876 fax)
16. First Home Mortgage Inc.                                       --
8 Shackleford Plaza, LR, 72211 (227-0013, 227-4155 fax)
Company                                                         Mortgages
Mortgage Address (Phone, Fax)                                   Services
1. Regious Mortage (First Commercial Corp.) [+]                  6,836.0
400 W. Capitol Ave., Little Rock, 72201 (371-6776, 371-6610)
2. Pulaski B&TC/Pulaski Mortgage Co.                              $60.0
5800 R St., Little Rock, 72207 (501-661-7889, 661-1124 fax)
3. Bank of the Ozarks                                              --
12615 Chenal Parkway, Little Rock, 72231 (978-2265, 978-2315)
4. Superior Federal Bank [++]                                    $865.0
5000 Rogers Ave., Fort Smith, 72903 (370-2501, 370-2500 fax)
5. Simmons Firt National Corp.                                     --
8315 Cantrell Rd., Suite 110, 72227
(501-223-4200, 223-4297 fax)
6. Metropolitan National Bank                                      --
11525 Financial Centre Parkway, LR,
72205 (978-7650, 978-7682 fax)
7. First Financial Mortgage [@]                                  $1,533
1508 Market St., Little Rock, 72211 (227-7087, 221-2170 fax)
8. Mercantile Bank of Arkansas                                     --
#1 Riverfront Place, NLR, 72114 (688-1300, 370-4392 fax)
9. First Federal Bank                                              --
200 W. Stephenson, Harrison, 72601 (870-741-7641, 365-8355 fax)
10. Bank of America Mortgage [*]                                   --
10825 Financial Centre Pkway #124, Little
Rock, 72201 (219-4520, 378-4311 fax)
11. Norwest Mortgage Inc.                                          --
1602 Merrill Drive, LR, 72212 (221-2132, 221-2023 fax)
12. Bank of Little Rock Mortgage Corp.                             --
900 S. Shackleford Road; Suite 220, Little
Rock, 72211 (219-9100, 224-8597 fax)
12. First Arkansas Mortgage                                        --
112 N. Bailey, Jacksonville, 72076 (501-967-8000, 967-4679)
14. First Security Bank                                            --
314 N. Spring, Searcy, 72143 (279-3400, 279-3455 fax)
15. Pocahantas Federal Savings and Loan                          $209.0
203 W. Broadway, Pocahontas, 72455
(870-892-4595, 870-892-8876 fax)
16. First Home Mortgage Inc.                                       --
8 Shackleford Plaza, LR, 72211 (227-0013, 227-4155 fax)
Company
Mortgage Address (Phone, Fax)                                   Locations
1. Regious Mortage (First Commercial Corp.) [+]                    25
400 W. Capitol Ave., Little Rock, 72201 (371-6776, 371-6610)
2. Pulaski B&TC/Pulaski Mortgage Co.                               14
5800 R St., Little Rock, 72207 (501-661-7889, 661-1124 fax)
3. Bank of the Ozarks                                              23
12615 Chenal Parkway, Little Rock, 72231 (978-2265, 978-2315)
4. Superior Federal Bank [++]                                       7
5000 Rogers Ave., Fort Smith, 72903 (370-2501, 370-2500 fax)
5. Simmons Firt National Corp.                                      9
8315 Cantrell Rd., Suite 110, 72227
(501-223-4200, 223-4297 fax)
6. Metropolitan National Bank                                       1
11525 Financial Centre Parkway, LR,
72205 (978-7650, 978-7682 fax)
7. First Financial Mortgage [@]                                     7
1508 Market St., Little Rock, 72211 (227-7087, 221-2170 fax)
8. Mercantile Bank of Arkansas                                     48
#1 Riverfront Place, NLR, 72114 (688-1300, 370-4392 fax)
9. First Federal Bank                                              15
200 W. Stephenson, Harrison, 72601 (870-741-7641, 365-8355 fax)
10. Bank of America Mortgage [*]                                   --
10825 Financial Centre Pkway #124, Little
Rock, 72201 (219-4520, 378-4311 fax)
11. Norwest Mortgage Inc.                                           6
1602 Merrill Drive, LR, 72212 (221-2132, 221-2023 fax)
12. Bank of Little Rock Mortgage Corp.                              2
900 S. Shackleford Road, Suite 220, Little
Rock, 72211 (219-9100, 224-8597 fax)
12. First Arkansas Mortgage                                         8
112 N. Bailey, Jacksonville, 72076 (501-967-8000, 967-4679)
14. First Security Bank                                             9
314 N. Spring, Searcy, 72143 (279-3400, 279-3455 fax)
15. Pocahantas Federal Savings and Loan                            14
203 W. Broadway, Pocahontas, 72455
(870-892-4595, 870-892-8876 fax)
16. First Home Mortgage Inc.                                        8
8 Shackleford Plaza, LR, 72211 (227-0013, 227-4155 fax)
Company                                Mortgage
Mortgage Address (Phone, Fax)          Executive
1. Regious Mortage (First Commercial   Robert Goethe,
Corp.) [+]
400 W. Capitol Ave., Little Rock,      president/CEO
72201 (371-6776, 371-6610)
2. Pulaski B&TC/Pulaski Mortgage Co.   Chuck Quick,
5800 R St., Little Rock, 72207         mortgage company
(501-661-7889, 661-1124 fax)
                                       president
3. Bank of the Ozarks                  Matt Chandler.
12615 Chenal Parkway, Little Rock,     SVP, mortgage lending
72231 (978-2265, 978-2315)
4. Superior Federal Bank [++]          Barry Molder,
5000 Rogers Ave., Fort Smith, 72903    SVP/mortgage-lending
(370-2501, 370-2500 fax)
5. Simmons Firt National Corp.         J. Thomas May
8315 Cantrell Rd., Suite 110, 72227    chairman/chief
(501-223-4200, 223-4297 fax)           executive officer
6. Metropolitan National Bank          Jeff Teague
11525 Financial Centre Parkway, LR,    Senior vice president
72205 (978-7650, 978-7682 fax)
7. First Financial Mortgage [@]        Steve Cameron,
1508 Market St., Little Rock, 72211    president
(227-7087, 221-2170 fax)
8. Mercantile Bank of Arkansas         Phil Thomas,
#1 Riverfront Place, NLR, 72114        executive vice president
(688-1300, 370-4392 fax)
9. First Federal Bank                  Scott Tennyson,
200 W. Stephenson, Harrison, 72601     senior vice president
(870-741-7641, 365-8355 fax)
10. Bank of America Mortgage [*]       Rick Anderson,
10825 Financial Centre Pkway #124,     senior vice president
Little
Rock, 72201 (219-4520, 378-4311 fax)
11. Norwest Mortgage Inc.              Keith Smith,
1602 Merrill Drive, LR, 72212          area manager
(221-2132, 221-2023 fax)
12. Bank of Little Rock Mortgage Corp. Lee Maris
900 S. Shackleford Road, Suite 220,    vice president
Little
Rock, 72211 (219-9100, 224-8597 fax)
12. First Arkansas Mortgage            John Hardwick
112 N. Bailey, Jacksonville, 72076     mortgage company president
(501-967-8000, 967-4679)
14. First Security Bank                Kathryn Sims,
314 N. Spring, Searcy, 72143           senior vice president
(279-3400, 279-3455 fax)
15. Pocahantas Federal Savings and     Bill Stacy,
Loan
203 W. Broadway, Pocahontas, 72455     senior VP-mortgage lendig
(870-892-4595, 870-892-8876 fax)
16. First Home Mortgage Inc.           Mike Smith,
8 Shackleford Plaza, LR, 72211         LR manager
(227-0013, 227-4155 fax)
Sources: the companies. (+.)1998 figures, 1999 figures unavailable
(++.)Does not include commercial real estate loans. (*.)--Data for Bank of
America Mortgage does not include morrtgages originated by the bank.
(@.)--First
Financial Mortgage is a division of First Financial Bank in El Dorado. For
banks that have mortgage companies as subsidiaries, the addresses and
executives listed are for the division that did the majority of mortgage
lending.
Some banks may have included commercial mortgages with residential
mortgages in their totals. NA -- Not available or not applicable.