CRA Performance Evaluations: March 2002

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
12072	First National Bank of Anchorage	Anchorage	AK	09/24/2001	Outstanding	Large Bank
17000	Evergreen National Bank	Evergreen	CO	12/10/2001	Satisfactory	Small Bank
17487	Northern Trust Bank of Florida, N.A.	Miami	FL	08/20/2001	Satisfactory	Large Bank
21197	First National Bank of Atlanta	Atlanta	GA	06/30/2001	Satisfactory	Limited Purpose Bank
4677	First Citizens National Bank	Mason City	IA	10/01/2001	Satisfactory	Large Bank
8846	Old National Bank	Evansville	IN	01/02/2001	Satisfactory	Large Bank
11916	First National Bank in Frankfort	Frankfort	KS	09/30/2001	Outstanding	Small Bank
4860	The Midland National Bank of Newton	Newton	KS	12/03/2001	Satisfactory	Small Bank
23581	First National Bank	La Crescent	MN	07/23/2001	Satisfactory	Small Bank
1	First Union National Bank	Charlotte	NC	09/30/2000	Outstanding	Large Bank
6776	First National Bank of Shelby	Shelby	NC	11/05/2001	Satisfactory	Large Bank
1559	Wachovia Bank, N.A.	Winston-Salem	NC	12/31/2000	Outstanding	Large Bank
13461	The City National Bank of Greeley	Greely	NE	12/03/2001	Satisfactory	Small Bank
13431	The Cattle National Ban of Seward	Seward	NE	12/17/2001	Satisfactory	Small Bank
3083	First National Bank & Trust of Syracuse	Syracuse	NE	01/07/2002	Outstanding	Small Bank
1354	NBT Bank, N.A.	Norwich	NY	09/17/2001	Satisfactory	Large Bank
9767	The Farmers &Merchants N.B. of Fairview	Fairview	OK	01/17/2002	Satisfactory	Small Bank
10002	First National Bank in Hominy	Hominey	OK	11/06/2001	Satisfactory	Small Bank
6171	First National Bank of Lindsay	Lindsay	OK	04/30/2001	Satisfactory	Small Bank
23900	Local Oklahoma Bank, N.A.	Oklahoma City	OK	08/06/2001	Satisfactory	Large Bank
7892	Pauls Valley National Bank	Pauls Valley	OK	12/14/2001	Satisfactory	Small Bank
5224	First National Bank of Pawnee	Pawnee	OK	11/05/2001	Satisfactory	Small Bank
15750	National Bank of Sallisaw	Sallisaw	OK	10/09/2001	Satisfactory	Small Bank
249	First National Bank of Pennsylvania	Greenville	PA	08/13/2001	Satisfactory	Large Bank
6301	Mellon Bank, N.A.	Pittsburgh	PA	04/23/2001	Outstanding	Large Bank
336	First Tennessee Bank, N.A.	Memphis	TN	06/04/2001	Satisfactory	Large Bank
4278	The First National Bank of Athens	Athens	TX	12/27/2001	Satisfactory	Small Bank
17290	Gladewater National Bank	Gladewater	TX	12/20/2001	Satisfactory	Small Bank
12462	First National Bank of Refugio	Refugio	TX	12/10/2001	Satisfactory	Small Bank