CRA Performance Evaluations: November 2000

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
23498	First National Bank of Florida	Clearwater	FL	03/29/1999	Satisfactory	Small Bank
23658	Landmark Bank, N.A.	Fort Lauderdale	FL	04/17/2000	Satisfactory	Small Bank
21643	First National Bank of Fort Myers	Fort Myers	FL	09/28/1998	Satisfactory	Small Bank
17675	Hamilton Bank, N.A.	Miami	FL	09/30/1998	Satisfactory	Wholesale Bank
21830	First National Bank of Naples	Naples	FL	02/08/1999	Satisfactory	Large Bank
14838	First NB & Trust Co. of the Treasure Coast	Stuart	FL	05/01/2000	Satisfactory	Large Bank
16275	Fidelity National Bank	Norcross	GA	08/16/1999	Satisfactory	Large Bank
11283	Harris Bank Barrington, N.A.	Barrington	IL	05/22/2000	Satisfactory	Large Bank
14504	Marquette National Bank	Chicago	IL	04/10/2000	Outstanding	Large Bank
14583	Harris Bank Glencoe-Northbrook, N.A.	Glencoe	IL	05/22/2000	Satisfactory	Large Bank
14494	Harris Bank Palatine, N.A.	Palatine	IL	05/22/2000	Satisfactory	Large Bank
14365	Harris Bank Winnetka, N.A.	Winnetka	IL	05/22/2000	Satisfactory	Large Bank
2311	Camden National Bank	Camden	ME	11/01/1999	Satisfactory	Large Bank
14740	First National Bank of America	East Lansing	MI	06/14/1999	Needs to Improve	Small Bank
14128	South Side National Bank in St. Louis	St. Louis	MO	05/01/2000	Outstanding	Large Bank
1239	Phillipsburg National Bank	Phillipsburg	NJ	09/27/1999	Satisfactory	Large Bank
18606	Sun National Bank	Vineland	NJ	05/01/2000	Satisfactory	Large Bank
10235	Bath National Bank	Bath	NY	05/22/2000	Satisfactory	Large Bank
12515	Sleepy Hollow National Bank	Sleepy Hollow	NY	07/24/2000	Satisfactory	Small Bank
7759	First National Bank	Powhatan Point	OH	10/25/1999	Satisfactory	Small Bank
2488	The First Central National Bank	Saint Paris	OH	07/24/2000	Satisfactory	Small Bank
6594	Security National Bank and Trust Company	Springfield	OH	05/15/2000	Satisfactory	Large Bank
13847	The Citizens National Bank	Woodsfield	OH	12/22/1998	Satisfactory	Small Bank
23595	Metropolitan National Bank	Youngstown	OH	08/23/1999	Satisfactory	Large Bank
5784	Community Bank, N.A.	Carmichaels	PA	06/22/1998	Satisfactory	Small Bank
13998	County National Bank	Clearfield	PA	11/01/1999	Satisfactory	Large Bank
5481	Farmers National Bank	Emlenton	PA	03/22/1999	Satisfactory	Small Bank
6220	First American National Bank	Everett	PA	10/13/1998	Satisfactory	Small Bank
9480	First United National Bank	Fryburg	PA	05/18/1999	Satisfactory	Small Bank
31	Penn Central National Bank	Huntingdon	PA	06/07/1999	Satisfactory	Small Bank
10188	First National Bank of Herminie	Irwin	PA	12/21/1998	Satisfactory	Large Bank
3104	Farmers National Bank of Kittanning	Kittanning	PA	10/04/1999	Satisfactory	Small Bank
5073	Merchants National Bank of Kittanning	Kittanning	PA	08/09/1999	Satisfactory	Small Bank
14133	Commercial N.B. of Pennsylvania	Latrobe	PA	01/18/2000	Satisfactory	Large Bank
8450	The First National Bank of Lilly	Lilly	PA	01/11/1999	Satisfactory	Small Bank
6456	Manor National Bank	Manor	PA	05/14/1998	Needs to Improve	Small Bank
7819	Marion Center National Bank	Marion Center	PA	02/27/1999	Satisfactory	Small Bank
14333	Second National Bank of Masontown	Masontown	PA	10/04/1999	Satisfactory	Small Bank
9330	The First National Bank	Mercersburg	PA	02/01/1999	Satisfactory	Small Bank
5833	Citizens National Bank	Meyersdale	PA	01/11/1999	Satisfactory	Small Bank
4908	Community First Bank, N.A.	Reynoldsville	PA	09/14/1998	Satisfactory	Small Bank
6483	First National Bank of Slippery Rock	Slippery Rock	PA	05/10/1999	Satisfactory	Small Bank
10506	Omega Bank, N.A.	State College	PA	06/07/1999	Satisfactory	Large Bank
22549	Retailers National Bank	Sioux Falls	SD	11/22/1999	Outstanding	Limited Purpose Bank
23631	Mountain National Bank	Sevierville	TN	08/08/2000	Satisfactory	Small Bank
23143	Dallas National Bank	Dallas	TX	06/23/2000	Satisfactory	Small Bank
5046	Riggs Bank, N.A.	McLean	VA	10/04/1999	Satisfactory	Large Bank
21144	Progressive Bank, N.A.	Buckhannon	WV	01/06/1998	Satisfactory	Small Bank