CRA Performance Evaluations: August 1997

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
14651	National Bank of Alaska	Anchorage	AK	05/12/1997	Outstanding	Yes
18413	Merchants &Planters Bank, N.A.	Camden	AR	05/28/1997	Satisfactory	Yes
23270	First Community Bank, N.A.	Conway	AR	04/30/1997	Satisfactory	Yes
7046	The First National Bank of El Dorado	El Dorado	AR	06/03/1997	Satisfactory	Yes
10579	Citizens National Bank of Hope	Hope	AR	05/16/1997	Satisfactory	Yes
14461	First National Bank of Magnolia	Magnolia	AR	05/28/1997	Satisfactory	Yes
18454	First Coastal Bank, N.A.	El Segundo	CA	03/31/1997	Satisfactory	Yes
22413	U.S. Trust Company of California, N.A.	Los Angeles	CA	05/02/1997	Satisfactory	Yes
17166	Pacific National Bank	Newport Beach	CA	03/31/1997	Satisfactory	Yes
20344	Channel Islands National Bank	Oxnard	CA	12/31/1996	Satisfactory	Yes
20291	First National Bank of Marin	San Rafael	CA	12/31/1996	Needs to Improve	No
7501	The First National Bank of Arvada	Arvada	CO	05/20/1997	Satisfactory	Yes
15748	Eastern National Bank	Miami	FL	05/27/1997	Satisfactory	Yes
20460	National Bank of Commerce	Winter Park	FL	05/27/1997	Satisfactory	Yes
14547	First National Bank of West Point	West Point	GA	05/05/1997	Satisfactory	Yes
17128	Peoples National Bank	Council Bluffs	IA	06/17/1997	Satisfactory	Yes
18363	National Bank of Iowa	Denison	IA	06/09/1997	Outstanding	Yes
4155	The First National Bank of Primghar	Primghar	IA	09/12/1997	Needs to Improve	Yes
4920	First National Bank of Decatur	Decatur	IL	04/30/1997	Outstanding	Yes
22636	Norwest Bank Illinois, N.A.	Galesburg	IL	05/16/1997	Satisfactory	Yes
14398	First National Bank of Huntington	Huntington	IN	05/07/1997	Satisfactory	Yes
869	National City Bank of Indiana	Indianapolis	IN	12/31/1996	Outstanding	Yes
21723	National City Bank of Southern Indiana	New Albany	IN	12/31/1996	Outstanding	Yes
18165	Exchange National Bank	Marysville	KS	06/05/1997	Satisfactory	Yes
8883	The Farmers National Bank of Stafford	Stafford	KS	06/03/1997	Satisfactory	Yes
11010	Commerce Bank, N.A.	Wichita	KS	10/30/1996	Satisfactory	Yes
6769	First National Bank of Columbia	Columbia	KY	04/04/1997	Satisfactory	Yes
21805	Citizens National Bank	Grayson	KY	05/30/1997	Satisfactory	Yes
13479	Lincoln National Bank	Hodgenville	KY	05/20/1997	Satisfactory	Yes
109	National City Bank, Kentucky	Louisville	KY	12/31/1996	Outstanding	Yes
17927	First Louisiana National Bank	Breaux Bridge	LA	05/08/1997	Satisfactory	No
3941	First National Bank of Bar Harbor	Bar Harbor	ME	04/18/1997	Satisfactory	Yes
600	The First National Bank of Three Rivers	Three Rivers	MI	05/22/1997	Satisfactory	Yes
15718	Sprague National Bank	Caledonia	MN	05/21/1997	Satisfactory	Yes
3626	Norwest Bank Minnesota North, N.A.	Duluth	MN	02/11/1997	Outstanding	Yes
2006	Norwest Bank Minnesota, N.A.	Minneapolis	MN	10/17/1996	Outstanding	Yes
11125	The First National Bank of Proctor	Proctor	MN	06/05/1997	Satisfactory	Yes
1487	Norwest Bank Red Wing, N.A.	Red Wing	MN	02/11/1997	Outstanding	Yes
13131	The Midway National Bank of St. Paul	Saint Paul	MN	06/17/1997	Satisfactory	Yes
22706	First Missouri National Bank	Brookfield	MO	06/19/1997	Outstanding	Yes
15284	First National Bank of Clarksdale	Clarksdale	MS	03/31/1997	Satisfactory	Yes
21259	First Citizens Bank, N.A.	Columbia Falls	MT	05/16/1997	Satisfactory	Yes
11307	The First National Bank of Fairfield	Farifield	MT	05/15/1997	Satisfactory	Yes
5886	The Ramsey National Bank & Trust Co. of Devils Lake	Devils Lake	ND	06/19/1997	Satisfactory	Yes
2377	Norwest Bank North Dakota, N.A.	Fargo	ND	07/24/1996	Outstanding	Yes
21109	First National Bank of Ruidoso	Ruidoso	NM	05/02/1997	Satisfactory	Yes
20948	Safra National Bank of New York	New York	NY	03/21/1997	Satisfactory	Yes
10895	First National Bank of Northern New York	Norfolk	NY	05/12/1997	Satisfactory	Yes
17393	National City Bank, Northeast	Akron	OH	12/31/1996	Outstanding	Yes
786	National City Bank	Cleveland	OH	12/31/1996	Outstanding	Yes
5065	National City Bank of Columbus	Columbus	OH	12/31/1996	Outstanding	Yes
1788	National City Bank of Dayton	Dayton	OH	12/31/1996	Outstanding	Yes
86	First National Bank of Germantown	Germantown	OH	05/22/1997	Satisfactory	Yes
22582	National City Bank, Northwest	Toledo	OH	12/31/1996	Outstanding	Yes
23055	Landmark Bank, N.A.	Ada	OK	05/28/1997	Outstanding	Yes
5401	The First National Bank and Trust Company	Nowata	OK	04/28/1997	Satisfactory	Yes
664	Pioneer American Bank, N.A.	Carbondale	PA	04/29/1989	Satisfactory	Yes
2515	Ephrata National Bank	Ephrata	PA	03/26/1997	Satisfactory	Yes
23019	National City Bank of Pennsylvania	Pittsburgh	PA	12/31/1996	Outstanding	Yes
11506	The First National Bank of Eden	Eden	SD	05/15/1997	Satisfactory	Yes
16076	Citizens National Bank	Sevierville	TN	05/05/1997	Outstanding	Yes
20880	Arlington National Bank	Arlington	TX	12/31/1996	Satisfactory	Yes
7827	The Brady National Bank	Brady	TX	05/08/1997	Outstanding	Yes
18046	Texas National Bank	Brenham	TX	05/30/1997	Satisfactory	No
17652	City National Bank	Corsicana	TX	05/12/1997	Satisfactory	Yes
18168	Shady Oaks National Bank	Fort Worth	TX	04/29/1997	Satisfactory	Yes
5288	The First National Bank of Gilmer	Gilmer	TX	06/03/1997	Satisfactory	Yes
13614	State National Bank of Iowa Park	Iowa Park	TX	04/30/1997	Satisfactory	No
10598	First National Bank of Lipan	Lipan	TX	06/12/1997	Satisfactory	Yes
18554	Rio National Bank	McAllen	TX	05/21/1997	Satisfactory	Yes
12734	City National Bank of Mineral Wells	Mineral Wells	TX	06/09/1997	Satisfactory	No
17768	Bank of Navasota, N.A.	Navasota	TX	05/05/1997	Satisfactory	No
12831	The First National Bank of O'Donnell	O'Donnell	TX	03/31/1997	Satisfactory	Yes
11595	The Perryton National Bank	Perryton	TX	05/22/1997	Satisfactory	Yes
17733	First National Bank	Uvalde	TX	06/04/1997	Satisfactory	No
20078	First National Bank	Wichita Falls	TX	06/11/1997	Satisfactory	No
1582	The National Bank of Fredericksburg	Fredericksburg	VA	04/28/1997	Satisfactory	Yes
12124	First National Bank of Eagle River	Eagle River	WI	05/22/1997	Satisfactory	Yes
12483	Citizens National Bank of Elkins	Elkins	WV	03/31/1997	Satisfactory	Yes
4811	One Valley Bank - East, N.A.	Martinsburg	WV	12/31/1996	Outstanding	Yes
6226	One Valley Bank of Ronceverte, N.A.	Ronceverte	WV	04/21/1997	Satisfactory	Yes
13512	McDowell County National Bank	Welch	WV	06/04/1997	Satisfactory	Yes