CRA Performance Evaluations: November 2002

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
17220	Mercantile National Bank	Los Angeles	CA	07/29/2002	Satisfactory	Small Bank
23006	Asian Pacific National Bank	San Gabriel	CA	05/06/2002	Satisfactory	Small Bank
8433	Fremont National Bank of Canon City	Canon City	CO	08/13/2002	Satisfactory	Small Bank
15592	Air Academy National Bank	Colorado Springs	CO	07/01/2002	Outstanding	Large Bank
21878	Clear Creek National Bank	Georgetown	CO	05/21/2002	Satisfactory	Small Bank
23781	United Americas Bank, N.A.	Atlanta	GA	09/09/2002	Satisfactory	Small Bank
14911	Hawaii National Bank	Honolulu	HI	04/15/2002	Satisfactory	Large Bank
13609	First Newton National Bank	Newton	IA	08/26/2002	Outstanding	Small Bank
4155	The First National Bank of Ptimghar	Primghar	IA	08/16/2002	Satisfactory	Small Bank
16601	First National Bank of Marengo	Marengo	IL	04/29/2002	Satisfactory	Small Bank
3885	Emprise Bank, N.A.	Hays	KS	08/07/2002	Satisfactory	Small Bank
7125	First National Bank & Trust Co. in Larned	Larned	KS	08/26/2002	Satisfactory	Small Bank
8435	The Berea National Bank	Berea	KY	08/05/2002	Satisfactory	Small Bank
23434	Kentucky National Bank	Elizabeth	KY	06/10/2002	Satisfactory	Small Bank
5393	First National Bank of Blue Earth	Blue Earth	MN	07/29/2002	Satisfactory	Small Bank
13713	First National Bank in Cannon Falls	Cannon Falls	MN	07/29/2002	Satisfactory	Small Bank
9262	The First National Bank of Gilbert	Gilbert	MN	07/29/2002	Satisfactory	Small Bank
13561	The Klein National Bank of Madison	Madison	MN	07/29/2002	Satisfactory	Small Bank
11125	The First National Bank of Proctor	Proctor	MN	07/29/2002	Satisfactory	Small Bank
2881	The First National Bank of Audrain County	Mexico	MO	03/12/2002	Outstanding	Large Bank
13790	Alerus Financial, National Association	Grand Forks	ND	06/17/2002	Satisfactory	Large Bank
7836	The Stanton National Bank	Stanton	NE	07/15/2002	Satisfactory	Small Bank
568	The First National Bank of Berwick	Berwick	PA	02/25/2002	Outstanding	Large Bank
11058	Columbia County Farmers National Bank	Bloomsburg	PA	07/29/2002	Satisfactory	Small Bank
9868	First National Community Bank	Dunmore	PA	02/19/2002	Satisfactory	Large Bank
7702	Peoples National Bank of Susquehanna Co.	Hallstead	PA	03/19/2002	Satisfactory	Large Bank
13982	The Herndon National Bank	Herndon	PA	04/22/2002	Satisfactory	Small Bank
6534	The Jim Thorpe National Bank	Jim Thorpe	PA	03/28/2002	Outstanding	Small Bank
8326	The First National Bank of Liverpool	Liverpool	PA	07/29/2002	Outstanding	Small Bank
8930	The First National Bank of Palmerton	Palmerton	PA	02/07/2002	Satisfactory	Large Bank
23068	Valley Bank, N.A.	Elk Point	SD	07/29/2002	Satisfactory	Small Bank
22764	First National Bank South Dakota	Yankton	SD	07/15/2002	Satisfactory	Large Bank
12739	The First National Bank of Evant	Evant	TX	09/05/2002	Satisfactory	Small Bank
5741	Gilmer National Bank	Gilmer	TX	08/13/2002	Satisfactory	Small Bank
12968	Kleberg First National Bank of Kingsville	Kingsville	TX	08/19/2002	Satisfactory	Small Bank
13934	First-Lockhart National Bank	Lockhart	TX	09/09/2002	Outstanding	Small Bank
5127	The First National Bank of Mineola	Mineola	TX	09/03/2002	Satisfactory	Small Bank
5774	The First National Bank of Moody	Moody	TX	09/16/2002	Outstanding	Small Bank
8694	The Yoakum National Bank	Yoakum	TX	08/12/2002	Satisfactory	Small Bank
23868	Hometown National Bank	Longview	WA	08/27/2002	Satisfactory	Small Bank
22769	Prime Pacific Bank, N.A.	Lynnwood	WA	04/08/2002	Satisfactory	Small Bank
17257	Central Valley Bank, N.A.	Toppenish	WA	05/22/2002	Outstanding	Small Bank
14801	Red Cedar Bank, N.A.	Boyceville	WI	01/14/2002	Satisfactory	Small Bank
4137	The Stephenson National Bank & Trust	Marinette	WI	08/05/2002	Satisfactory	Small Bank