CRA Performance Evaluations: February 1997

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
17280	First Pacific National Bank	Escondido	CA	10/31/1996	Satisfactory	Yes
18182	First National Bank of Central California	Salinas	CA	09/16/1996	Outstanding	Yes
18358	Trans Pacific National Bank	San Francisco	CA	11/01/1996	Satisfactory	Yes
8541	Alamosa National Bank	Alamosa	CO	11/21/1996	Satisfactory	Yes
15383	Western National Bank of Colorado	Colorado Springs	CO	11/25/1996	Satisfactory	Yes
2686	First National Summit Bank	Crested Butte	CO	10/18/1996	Satisfactory	Yes
14222	The First National Bank in Trinidad	Trinidad	CO	11/25/1996	Outstanding	Yes
17395	PNC National Bank	Wilmington	DE	10/07/1996	Satisfactory	Yes
22905	Quantum National Bank	Suwanee	GA	12/10/1996	Satisfactory	Yes
22841	American National Bank	Holstein	IA	12/06/1996	Outstanding	Yes
3711	Atlanta National Bank	Atlanta	IL	11/04/1996	Outstanding	Yes
10911	First National Bank of Ava	Ava	IL	11/25/1996	Satisfactory	Yes
18763	Home State Bank, N.A.	Crystal Lake	IL	11/18/1996	Satisfactory	Yes
9582	First National Bank of Dietrich	Dietrich	IL	10/30/1996	Satisfactory	Yes
7236	Union National Bank and Trust Company of Elgin	Elgin	IL	11/27/1996	Satisfactory	Yes
15916	Harris Bank Elk Grove, N.A.	Elk Grove Villiage	IL	10/18/1996	Satisfactory	Yes
9734	The Bradfford National Bank of Greenville	Greenville	IL	03/29/1996	Satisfactory	Yes
14510	National Bank	Hillsboro	IL	11/27/1996	Satisfactory	Yes
16101	Success National Bank	Lincolnshire	IL	11/06/1996	Satisfactory	Yes
8425	First National Bank of Millstadt	Millstadt	IL	10/21/1996	Satisfactory	Yes
14945	Southeast National Bank of Moline	Moline	IL	12/10/1996	Satisfactory	Yes
6451	Citizens National Bank of Paris	Paris	IL	10/22/1996	Satisfactory	Yes
6375	Farmers National Bank of Phophetstown	Prophetstown	IL	11/07/1996	Satisfactory	Yes
9786	The First National Bank of Sandoval	Sandoval	IL	10/09/1996	Satisfactory	Yes
11707	First United National Bank & Trust Co.	Great Bend	KS	12/26/1996	Outstanding	No
11010	Commerce Bank, N.A.	Wichita	KS	10/30/1996	Satisfactory	No
4271	Farmers National Bank	Lebanon	KY	11/14/1996	Satisfactory	Yes
7490	Morganfield National Bank	Morganfield	KY	10/24/1996	Satisfactory	Yes
13655	Bank One, Louisiana, N.A.	Baton Rouge	LA	09/19/1996	Satisfactory	Yes
13835	Millbury National Bank	Millbury	MA	12/13/1996	Satisfactory	Yes
5561	Sandy Spring National Bank	Olney	MD	09/30/1996	Satisfactory	No
23037	The Bank of Delmar, N.A.	Salisbury	MD	10/31/1996	Satisfactory	Yes
14740	First National Bank of Michigan	East Lansing	MI	11/06/1996	Satisfactory	Yes
16660	Michigan National Bank	Farmington Hills	MI	09/30/1996	Satisfactory	Yes
15105	Madison National Bank	Madison Heights	MI	10/15/1996	Satisfactory	No
8051	First National Bank of Cold Spring	Cold Spring	MN	12/11/1996	Outstanding	Yes
22973	BNC National Bank of Minnesota	Minneapolis	MN	12/12/1996	Satisfactory	Yes
2006	Norwest Bank Minnesota, N.A.	Minneapolis	MN	10/17/1996	Outstanding	No
10393	First National Bank in Winnebago	Winnebago	MN	11/27/1996	Satisfactory	No
22885	Boatmen's First National Bank of Kansas City	Kansas City	MO	11/18/1996	Outstanding	Yes
15521	Gateway National Bank	St. Louis	MO	12/17/1996	Satisfactory	No
10523	Trustmark National Bank	Jackson	MS	09/30/1996	Satisfactory	Yes
21158	Blackfeet National Bank	Browning	MT	12/12/1996	Outstanding	Yes
2960	The First National Bank of Friend	Friend	NE	12/06/1996	Satisfactory	Yes
6805	The Genoa National Bank	Genoa	NE	12/06/1996	Satisfactory	Yes
13461	The City National Bank of Greely	Greely	NE	12/12/1996	Satisfactory	Yes
13423	First National Bank of Lewellen	Lewellen	NE	12/17/1996	Satisfactory	Yes
8685	The First National Bank of Walthill	Walthill	NE	12/19/1996	Satisfactory	Yes
12425	Union Center National Bank	Union	NJ	09/30/1996	Satisfactory	Yes
1122	Central National Bank	Canajoharie	NY	09/23/1996	Satisfactory	Yes
80056	Arab Bank, PLC	New York	NY	12/12/1996	Satisfactory	Yes
1461	Citibank, N.A.	New York	NY	10/04/1996	Satisfactory	No
80081	The Bank of East Asia, Limited	New York	NY	12/06/1996	Satisfactory	Yes
9405	Champlain National Bank	Willsboro	NY	10/15/1996	Satisfactory	Yes
18821	Peoples Bank, N.A.	Ashtabula	OH	09/30/1996	Satisfactory	Yes
14501	The United National Bank and Trust Company	Canton	OH	09/30/1996	Satisfactory	Yes
13687	Citizens National Bank	Canton, Ohio	OH	09/30/1996	Satisfactory	Yes
16416	PNC Bank, Ohio, N.A.	Cincinnati	OH	08/31/1996	Outstanding	Yes
24	Star Bank, N.A.	Cincinnati	OH	12/16/1996	Outstanding	Yes
4293	Bank One, Dover, N.A.	Dover	OH	08/26/1996	Outstanding	Yes
2992	Second National Bank	Greenville	OH	09/30/1996	Satisfactory	Yes
46	The First National Bank of McConnelsville	McConnelsville	OH	11/07/1996	Outstanding	Yes
22236	Commerce National Bank	Worthington	OH	11/20/1996	Satisfactory	Yes
10128	Kishacoquillas Valley National Bank	Belleville	PA	12/10/1996	Outstanding	No
8854	Citizens National Bank	Evans City	PA	09/23/1996	Satisfactory	Yes
14301	The Gratz National Bank	Gratz	PA	11/12/1996	Outstanding	Yes
10188	First National Bank of Herminie	Irwin	PA	11/25/1996	Satisfactory	Yes
3104	Farmers National Bank	Kittanning	PA	11/06/1996	Satisfactory	Yes
13765	Fulton County National Bank and Trust Company	McConnellsburg	PA	12/17/1996	Satisfactory	Yes
8083	The First National Bankof McConnellsburg	McConnellsburg	PA	11/20/1996	Satisfactory	Yes
1316	PNC Bank, N.A.	Pittsburgh	PA	08/31/1996	Outstanding	Yes
22670	PNC Mortgage Bank, N.A.	Pittsburgh	PA	10/03/1996	Satisfactory	Yes
14490	Portage National Bank	Portage	PA	11/25/1996	Satisfactory	Yes
5625	Guaranty Bank, N.A.	Shamokin	PA	11/07/1996	Satisfactory	No
22935	The Community Bank of Greenville, N.A.	Greenville	SC	11/26/1979	Satisfactory	No
10592	Norwest Bank South Dakota, N.A.	Sioux Falls	SD	11/19/1996	Outstanding	Yes
22238	First Bank of East Tennessee, N.A.	LaFollete	TN	12/18/1996	Outstanding	Yes
13349	Union Planters National Bank	Memphis	TN	11/29/1996	Satisfactory	No
16625	Anahuac National Bank	Anahuac	TX	11/04/1996	Satisfactory	Yes
15980	Town North National Bank	Farmers Branch	TX	12/09/1996	Satisfactory	Yes
22989	Fidelity Bank & Trust, N.A.	Fort Worth	TX	10/31/1996	Satisfactory	Yes
18303	American National Bank	Gonzales	TX	12/02/1996	Satisfactory	Yes
10225	Texas Commerce Bank, N.A.	Houston	TX	09/09/1996	Outstanding	Yes
18558	Texas First National Bank	Houston	TX	11/04/1996	Outstanding	Yes
21008	Unity National Bank	Houston	TX	08/20/1996	Satisfactory	Yes
22814	First Community Bank, N.A.	Pearland	TX	10/21/1996	Satisfactory	No
17611	Lone Star National Bank	Pharr	TX	10/17/1996	Satisfactory	No
13587	Texas Commerce Bank	San Angelo	TX	08/08/1996	Satisfactory	Yes
10360	First Victoria National Bank	Victoria	TX	10/21/1996	Outstanding	No
2477	First National Bank of Weatherford	Weatherford	TX	12/03/1996	Satisfactory	Yes
22667	Central Fidelity National Bank	Richmond	VA	11/27/1996	Outstanding	Yes
18711	National Bank of Tukwila	Tukwila	WA	11/18/1996	Satisfactory	Yes
14397	Baraboo National Bank	Baraboo	WI	10/31/1996	Outstanding	Yes
15972	Associated Bank Lakeshore, N.A.	Manitowac	WI	06/17/1996	Satisfactory	Yes
11412	First National Bank of New Richmond	New Richmond	wI	09/30/1996	Satisfactory	Yes
15649	Clare Bank, N.A.	Platteville	WI	10/18/1996	Satisfactory	Yes
11526	First National Bank of St. Croix Falls	St. Croix Falls	WI	12/03/1996	Satisfactory	Yes
13914	Bank One, Wheeling-Steubenville, N.A.	Wheeling	WV	10/24/1996	Satisfactory	Yes
15359	Hilltop National Bank	Casper	WY	11/25/1996	Outstanding	Yes