CRA Performance Evaluations: May 2000

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
17315	San Jose National Bank	San Jose	CA	10/04/1999	Satisfactory	Large Bank
23633	South Bay Bank, N.A.	Torrance	CA	11/15/1999	Satisfactory	Small Bank
17762	FCC National Bank	Wilmington	DE	06/14/1999	Satisfactory	Limited Purpose Bank
23547	North Georgia National Bank	Calhoun	GA	02/07/2000	Satisfactory	Small Bank
23641	PRP National Bank	Pleasure Ridge Park	KY	01/24/2000	Satisfactory	Small Bank
23544	Alamance National Bank	Graham	NC	09/30/1999	Satisfactory	Small Bank
20500	Commerce Bank, N.A.	Omaha	NE	12/20/1999	Outstanding	Limited Purpose Bank
2683	Cornerstone Bank, N.A.	York	NE	01/24/2000	Satisfactory	Large Bank
22611	TD Waterhouse Bank, N.A.	Jersey City	NJ	12/31/1999	Satisfactory	Strategic Plan
22859	M& T Bank, N.A.	Oakfield	NY	01/18/2000	Satisfactory	Limited Purpose Bank
14290	The Lorain National Bank	Lorain	OH	08/23/1999	Satisfactory	Large Bank
10849	SpiritBank, N.A.	Tulsa	OK	11/29/1999	Outstanding	Small Bank
325	FNB Bank, N.A.	Danville	PA	01/03/2000	Satisfactory	Large Bank
249	First National Bank of Pennsylvania	Hermitage	PA	07/12/1999	Satisfactory	Large Bank
7051	Citizens National Bank	Lansford	PA	01/18/2000	Satisfactory	Large Bank
8673	First National Bank	Lenoir City	TN	01/18/2000	Satisfactory	Small Bank
23545	United Community Bank, N.A.	Highland Village	TX	01/31/2000	Satisfactory	Small Bank
5750	First National Bank Texas	Killeen	TX	01/31/2000	Outstanding	Small Bank
23218	Harbor Bank, N.A.	Gig Harbor	WA	02/22/2000	Satisfactory	Small Bank