The Post concludes its two-part review of the best and worst qualities of the city’s sports personalties by spotlighting guys who are underachievers, overachievers, immature, classy, paranoid, tough, soft, and generous. UNDERACHIEVERS

1) Allan Houston, Knicks – Soft as ever on the D, hard as ever to find for run-stopping baskets while big leads swirl down the funnel. Situation seems to have lowered his expectations when $100 million should have raised them.

2) Marius Czerkawski, Islanders – Has 18 goals playing almost an entire year on a line with Alexei Yashin. Never seems to come together for this guy, who couldn’t put the puck in Mike Milbury’s mouth.

3) Damien Robinson, Jets – Jets got beat by Oakland in a playoff shootout. Never should have happened after their big free-agent defensive addition came to town obviously prepared to shoot it out.

4) Ron Dixon, Giants – The alarm never seems to go off.

5) Radek Dvorak, Rangers – Czeched out long before his knee blew out. If he and Petr Nedved had 75 per cent of the year they had in 2000-1, team is in the playoffs, no problem.

OVERACHIEVERS

1) Ray Mickens, Jets – Five-foot-eight corner surrenders not an inch, even if he gives up 4-6 on the guys he covers.

2) Joe McEwing, Mets – Twenty-eighth round pick beat his head on the wall in the Cardinal chain. One exhibition game he got hit in the helmet with a pitch and bounced up so fast he finally caught the attention of Tony LaRussa. That’s using the old noodle to make up for having an arm like one. To honor the multitudes that insisted he would never make it, McEwing wears a tattoo that says “Can’t do it.”

3) Steve Webb, Islanders – Undeterred by opponents’ fists or his limited skills. Nickname: “Trainwreck.”

4) Todd McCulloch, Nets – Smarter than the average big stiff.

5) Frank Ferrara, Giants – Movie stunt double standing in, 15 years later, for Phil McConkey. Undrafted, unheralded, untalented defensive lineman from Rhode Island U. still does the dangerous work for the big-name stars, flying down the field on special teams. Equally effective on grass, turf and through plate-glass windows.

IMMATURE

1. Laveranues Coles, Jets – Thinks reporters dwell on his problems with the law at Florida State. He brings it up, which only means they get mentioned again. Exactly who is not moving on here?

2. Chris Osgood, Islanders – No show to the media after bad games. Unaccountability accounts for reason why a goalie who took a team to a Stanley Cup ended up on waivers at age 28.

3) Patrik Elias, Devils – One of the best 10 players in the NHL, doesn’t always play like it. Takes a lot of advice, some of it bad. Been through a few agents and almost as many centers.

4) Clarence Weatherspoon, Knicks – If only he rejected shots like the premises of questions. Fuse shorter than the Knicks’ front line. Sheeesh, what a grouch!

5) Kenyon Martin, Nets – Says he doesn’t have to change. Next says he’s aware of what he can and can’t do. Things he says make no sense at all.

SOFT

1) Marcus Camby, Knicks – Has missed an average of 22 games a year in six NBA seasons. How rooted can the Knicks become when their trunk is a twig? 2) Keith Van Horn, Nets – Continues to have the night-to night consistency of Jello. Stephon Marbury had to go because bad chemistry was holding Van Horn back. Yeah, right. What’s scary is all we’ve seen so far is regular-season soft. Playoff soft is a whole other frustration yet to come.

3) Kenny Holmes, Giants – Holds his ground like Lomas Brown held his tongue.

4) Brad Isbister, Islanders – Hits like his sister. 5) Scott Layden, Knicks – Would really like to make a deal. Can’t bring himself to make an offer.

TOUGH

1) Derek Jeter, Yankees – Pop foul over the railing, ooh, must be in the front rowww. You could stick a Randy Johnson fastball in Jeter’s ear, hold his feet over Carl Everett’s ears after a called third strike, tie the shortstop to a chair and make him listen to Chad Curtis motivational tapes for 12 hours straight. And still never would Jeter admit he’s playing hurt.

2) Curtis Martin, Jets – Even more indestructible than a Damien Robinson bunker.

3) Alexei Yashin, Islanders – Hasn’t missed a game due to injury in five seasons. When he was a young boy growing up in Sverdlovsk, mother must have told him to go play in traffic because he’s very good at it.

4) Scott Stevens, Devils – At age 38, might puck his spots a little more, but don’t become one of them or that red blotch on the ice used to be you.

5) Tiki Barber, Giants – Runs and cuts at full speed, giving up to 100 pounds on the persons trying to kill him. In physics classes they teach how this doesn’t work.

GENEROUS

1) The Mets – After September 11, every team in town did its share. Nobody connected on a personal level at the volume of the Mets, Bobby Valentine, John Franco, Al Leiter, Mike Piazza and Mark Johnson in particular.

2) Jason Kidd, Nets – Drives a sleigh down the lane, distributing gifts, making every night Christmas for the Nets. On one even more magical night every year, the most unselfish guard in the NBA sponsors a toy-shopping spree for underprivileged children.

3) Derek Jeter, Yankees – Turn 2 Foundation turns kids’ heads in anti-drug, pro-education directions, thanks to Superduperstar living an obligation to his young public.

4) Jason Sehorn, Giants – Puts up the money for the down payment so single parents can buy their own homes, then furnishes them with the help of corporate sponsors. In other words, doesn’t merely rent his name out to causes.

5) Brian Leetch, Rangers – Since starting his “Skate with the Greats” benefit in 1994, has helped raise $3 million for Ronald McDonald House, in addition to countless spirits in unannounced hospital visits. Hosted a party and a gift-per-child for those who lost a parent on September 11.

PARANOID

1) Michael Strahan, Giants – Thinks the refs give him no benefit of the doubt. Thinks the Maras weren’t good for the second half of the bonus for their best defensive player. Only Brett Favre isn’t in on the ongoing plot against Michael, the only man alive who thinks the quarterback tried to avoid him.

2) James Dolan, Madison Square Garden – Wants his Ranger and Knick GMS to be as responsive to the buying public as a Cablevision answering machine.

3) Theo Fleury, Rangers – Says if the refs don’t lay off him, he will quit. How would we be able to tell?

4) Armando Benitez, Mets – Believes reporters only want to talk to him after blown saves. Must mean he never gets quoted until September and October.

5) Kevin Mawae, Jets – List of grievances against coaches, management, and media longer than Marcus Coleman’s day against the Raiders.

CLASSY

1) Mariano Rivera, Yankees – Gave his Fireman of the Year hat to commissioner Thomas Von Essen in honor of the real firemen of the year, or any year, who died on September 11. Loses so seldom, you think Rivera might forget how, but he sat patiently for waves of reporters after Game 7 in Phoenix.

2) Kerry Collins, Giants – His life has been such an open book, speed-reading training is practically required. Understands mastery of the skill starts with not using your finger to point at anything but yourself.

3) Sam Garnes, Jets – If asked, would take personal responsibility for every big play against, the San Francisco earthquake, the Vesuvius eruption and the Pisarcik handoff to Csonka. Jets beat guys should have passed hat to contribute their fair share of his signing bonus.

4) Don Chaney, Knicks – Heartfelt congratulations on the extension of your command of the Titanic, captain. Understands he may have to go down, but refuses to take anybody with him.

5) Allan Houston, Knicks – Might not be the guy who takes charge in the lifeboat but certainly never complains about conditions on board.