Clearfield Jefferson Market

Market Definition:                                                              
PA - Clearfield and Jefferson counties, and Banks, Canoe,
     and North Mahoning townships in Indiana County                                          
                                                                                
The following table is based on data from the                                   
 FDIC and OTS Summary of Deposits file, June 30, 1999                           
 WARNING:  THIS DATA HAS NOT BEEN UPDATED FOR                                   
           MERGERS AND ACQUISITIONS                                             
!!! IT SHOULD NOT BE USED FOR REGULATORY APPLICATIONS !!!                       


Statistics Data
HHI (including 50% thrift deposits) 1,650.33
HHI (commercial banks only) 1,706.10
Concentration Ratio of Top Four Institutions 73.88%
Concentration Ratio of Top Four Banks 75.18%
Total Banks and Thrifts in Market 12
Total Commercial Banks in Market 11
Total Branches 53
Total Deposits (banks and 50% thrifts; in thousands) $1,583,071
Total Deposits (banks only; in thousands) $1,555,555