November 2001 Stock Picks

ACE'S STOCK ACES
Growth Stocks Discovery & Information Systems

NOVEMBER 2001 STOCK PICKS
Stock Name	SYM	Exch.	Sector	Industry	Date Picked	Pick Price (per share)
Bay State Bancorp, Inc.	BYS	AMEX	Financial	S&Ls/Saving Bank	11/02/01	$35.25
Warwick Community Bancorp	WSBI	NASD	Financial	S&Ls/Saving Bank	11/09/01	$19.70
Garan Incorporated	GAN	AMEX	Consumer Cyclical	Apparel/Accessories	11/23/01	$39.00

Garan, Inc. designs, manufactures, and sells apparel for men, women, and children. (Ticker: GAN; Exch: AMEX; 11/23/01 Price: $39.00/shr.)

STOCK'S CORE STRENGTHS

Management's Effectiveness (12 Mo.) . . . Return on Equity: 17.56%

Profitability (12 Mo.) . . . Profit Margin: 8.62%

Stock's Growth Record (12 Mo.) . . . Revenue: 3.20%

. . . EPS: -6.82%

. . . Price: 75.19%

PE & EPS (12 Mo.) . . . Price/Earnings: 9.28

. . . Earnings/Share: 4.17

Closing Price: $35.25 per shr. (November 2, 2001)

STOCK'S 12-MONTH GAIN (LOSS), 11/23/01 - 11/22/02: 56.00%

STOCK'S 48-MONTH GAIN (11/23/01 - 11/23/05) GAIN: N.A. (DELISTED PRIOR TO 11/23/05)

STOCK INFO: Stock information you may need to evaluate this stock and make
smart investment decisions (Company profile, analyst rating, price history, price chart, financial statement,
earnings, competition, fundamentals, stock performance, stock valuation, stock quotes, annual reports, company
performance, institutional holdings, latest news, inside trading, discussions, more.
Source:http://www.stockadvanced.com/).

Warwick Community Bancorp

Bay State Bancorp, Inc. is a savings and loan holding company. (Ticker: WSBI; Exch: NASD; 11/9/01 Price: $19.70/shr.)

STOCK'S CORE STRENGTHS

Management's Effectiveness (12 Mo.) . . . Return on Equity: 6.83%

Profitability (12 Mo.) . . . Profit Margin: 9.87%

Stock's Growth Record (12 Mo.) . . . Revenue: 28.31%

. . . EPS: 57.67%

. . . Price: 49.19%

PE & EPS (12 Mo.) . . . Price/Earnings: 19.77

. . . Earnings/Share: 1.05

Closing Price: $19.70 per shr. (November 9, 2001)

STOCK'S 12-MONTH GAIN (LOSS), 11/09/01 - 11/08/02: 54.16%

STOCK'S 48-MONTH GAIN (11/09/01 - 11/09/05) GAIN: N.A. (DELISTED PRIOR TO 11/09/05)

Bay State Bancorp Inc. is a savings and loan holding company. Bay State is the holding company of Bay State Federal Savings Bank. (Ticker: BYS; Exch: AMEX; 11/2/01 Price: $35.25/shr.)

STOCK'S CORE STRENGTHS

Management's Effectiveness (12 Mo.) . . . Return on Equity: 8.17%

Profitability (12 Mo.) . . . Profitr Margin: 11.47%

Stock's Growth Record (12 Mo.) . . . Revenue: 20.17%

. . . EPS: 51.24%

. . . Price: 36.30%

PE & EPS (12 Mo.) . . . Price/Earnings: 14.51

. . . Earnings/Share: 2.54

Closing Price: $39.00 per shr. (November 23, 2001)

STOCK'S 12-MONTH GAIN (LOSS), 11/02/01 - 11/01/02: 101.04%

STOCK'S 48-MONTH GAIN (11/02/01 - 11/02/05) GAIN: N.A. (DELISTED PRIOR TO 11/02/05)

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