B.E. Banks.

1973 30th ANNIVERSARY 2002

THIS  LAST                                      CHIEF         YEAR
YEAR  YEAR     COMPANY          LOCATION       EXECUTIVE     STARTED

 1     1    CARVER FEDERAL      New York,      Deborah C.     1948
            SAVINGS BANK        New York       Wright

 2     3    INDUSTRIAL BANK     Washington,    B. Doyle       1934
            N.A.                D.C.           Mitchell Jr.

 3     4    CITIZENS TRUST      Atlanta,       James E.       1921
            BANK                Georgia        Young

 4     2    SEAWAY NATIONAL     Chicago,       Walter E.      1965
            BANK OF CHICAGO     Illinois       Grady

 5     6    INDEPENDENCE        Washington,    Donna          1968
            FEDERAL SAVINGS     D.C.           Fitzgerald
            BANK                               Shuler

 6     5    BOSTON BANK OF      Boston,        Kevin Cohee    1982
            COMMERCE            Massachusetts

 7     7    CITY NATIONAL BANK  Newark,        Louis E.       1973
            OF NEW JERSEY       New Jersey     Prezeau

 8     9    LIBERTY BANK AND    New Orleans,   Alden J.       1972
            TRUST COMPANY       Louisiana      McDonald Jr.

 9     10   FAMILY SAVINGS      Los Angeles,   Wayne          1948
            BANK, F.S.B.        California     Bradshaw

 10    8    THE HARBOR BANK     Baltimore,     Joseph         1982
            OF MARYLAND         Maryland       Haskins Jr.

 11    11   BROADWAY FEDERAL    Los Angeles,   Paul C.        1947
            BANK                California     Hudson

 12    12   M & F BANK          Durham,        Lee Johnson    1908
                                North          Jr.
                                Carolina

 13    13   FIRST INDEPENDENCE  Detroit,       Donald Davis   1970
            NATIONAL BANK OF    Michigan
            DETROIT

 14    15   TRI-STATE BANK OF   Memphis,       Jesse H.       1946
            MEMPHIS             Tennessee      Turner Jr.

 15    18   DRYADES SAVINGS     New Orleans,   Virgil         1994
            BANK, F.S.B.        Louisiana      Robinson Jr.

 16    16   ILLINOIS SERVICE    Chicago,       Gwendolyn P.   1934
            FEDERAL S&L         Illinois       Robinson
            ASSOCIATION

 17    14   HIGHLAND COMMUNITY  Chicago,       Dennis J.      1970
            BANK                Illinois       Irvin

 18    17   CONSOLIDATED BANK   Richmond,      Leon L.        1903
            & TRUST COMPANY     Virginia       Scott

 19    19   CFS BANCSHARES      Birmingham,    Bunny Stokes   1956
            INC.                Alabama        Jr.

 20    20   UNITED BANK OF      Philadelphia,  Evelyn         1992
            PHILADELPHIA        Pennsylvania   Fennell
                                               Smalls

 21    22   CAPITOL CITY BANK   Atlanta,       George G.      1994
            & TRUST COMPANY     Georgia        Andrews

 22    21   DOUGLASS NATIONAL   Kansas City,   Ronald Wiley   1983
            BANK                Missouri

 23    23   MUTUAL COMMUNITY    Durham,        William G.     1921
            SAVINGS BANK INC.   North          Smith
            S.S.B.              Carolina

 24    24   FIRST TUSKEGEE      Tuskegee,      James W.       1894
            BANK                Alabama        Wright

 25    25   COMMUNITY BANK OF   Chicago,       Diane Glenn    1977
            LAWNDALE            Illinois

  COMPANY            STAFF  ASSETS *  CAPITAL *  DEPOSITS *  LOANS *

CARVER FEDERAL         110   449.464     35.371     325.890  309.861
SAVINGS BANK

INDUSTRIAL BANK        168   295.354     22.949     217.055  138.798
N.A.

CITIZENS TRUST         159   292.425     21.804     258.133  159.528
BANK

SEAWAY NATIONAL        246   292.140     29.041     255.556  148.830
BANK OF CHICAGO

INDEPENDENCE            75   261.764     23.259     197.961  146.005
FEDERAL SAVINGS
BANK

BOSTON BANK OF          87   261.674     17.993     224.282   97.068
COMMERCE

CITY NATIONAL BANK      83   222.298     11.434     194.129  131.838
OF NEW JERSEY

LIBERTY BANK AND       140   204.974     17.042     177.020  111.135
TRUST COMPANY

FAMILY SAVINGS          60   196.624     12.336     126.926  151.152
BANK, F.S.B.

THE HARBOR BANK         80   186.586     14.193     171.531  105.847
OF MARYLAND

BROADWAY FEDERAL        59   178.901     14.628     151.156  155.231
BANK

M & F BANK              85   167.506     17.246     135.386  121.880

FIRST INDEPENDENCE      60   165.465     11.094     122.891   83.705
NATIONAL BANK OF
DETROIT

TRI-STATE BANK OF       70   129.926     13.857     115.382   80.401
MEMPHIS

DRYADES SAVINGS         70   122.844      5.832     116.073   78.522
BANK, F.S.B.

ILLINOIS SERVICE        50   122.338     13.861      92.100   73.461
FEDERAL S&L
ASSOCIATION

HIGHLAND COMMUNITY      80   119.925     11.208     107.592   63.914
BANK

CONSOLIDATED BANK       85   115.555      7.457     106.868   59.839
& TRUST COMPANY

CFS BANCSHARES INC.     33   106.981      9.588      77.227   76.686

UNITED BANK OF          65    88.668      8.558      79.423   58.872
PHILADELPHIA

CAPITOL CITY BANK       52    85.370      8.575      76.096   50.134
& TRUST COMPANY

DOUGLASS NATIONAL       38    82.944      6.091      74.890   38.032
BANK

MUTUAL COMMUNITY        28    73.794      8.563      51.498   51.861
SAVINGS BANK INC.
S.S.B.

FIRST TUSKEGEE          34    57.485      3.944      50.360   36.737
BANK

COMMUNITY BANK OF       38    55.931      4.099      51.213   33.206
LAWNDALE

* IN MILLIONS OF DOLLARS, TO THE NEAREST THOUSAND. AS OF DEC. 31, 2001.
PREPARED BY B.E. RESEARCH.