CRA Performance Evaluations: April 2003

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
8963	The First National Bank of Scottsboro	Scottsboro	AL	01/21/2003	Satisfactory	Large Bank
23896	Alabama Trust Bank, N.A.	Sylacauga	AL	12/02/2002	Satisfactory	Small Bank
18595	Cupertino National Bank & Trust	Cupertino	CA	09/23/2002	Satisfactory	Large Bank
23470	J. P. Morgan Trust Company, N.A.	Los Angeles	CA	11/04/2002	Outstanding	Wholesale Bank
22413	U.S. Trust Company, N.A.	Los Angeles	CA	10/15/2002	Outstanding	Wholesale Bank
17315	San Jose National Bank	San Jose	CA	09/23/2002	Satisfactory	Large Bank
24034	Mission Oaks National Bank	Temecula	CA	01/07/2003	Satisfactory	Small Bank
20496	CNB National Bank	Jacksonville	FL	12/02/2002	Satisfactory	Large Bank
23970	First National Bank of Gwinnett	Duluth	GA	12/16/2002	Satisfactory	Small Bank
8725	Okey-Vernon First National Bank	Corning	IA	01/06/2003	Satisfactory	Small Bank
24328	Western Bank & Trust, N.A.	Moville	IA	01/02/2003	Satisfactory	Small Bank
12998	First National Bank in New Hampton	New Hampton	IA	10/17/2002	Outstanding	Small Bank
8293	The First National Bank of Allendale	Allendale	IL	01/29/2003	Satisfactory	Small Bank
23158	Chester National Bank	Chester	il	12/16/2002	Satisfactory	Small Bank
3777	First National Bank	Abilene	KS	01/06/2003	Outstanding	Large Bank
3779	First National Bank in Belleville	Belleville	KS	12/31/2002	Satisfactory	Small Bank
23966	National Family Bank	Munden	KS	11/25/2002	Outstanding	Small Bank
7844	The St. John National Bank	St. John	KS	01/13/2003	Satisfactory	Small Bank
23092	Citizens Commerce National Bank	Versailles	KY	12/11/2001	Satisfactory	Small Bank
5582	The First National Bank of Bemidji	Bemidji	MN	10/21/2002	Satisfactory	Large Bank
8051	The First National Bank of Cold Spring	Cold Spring	MN	01/21/2003	Outstanding	Small Bank
14531	Crookston National Bank	Crookston	MN	02/10/2003	Satisfactory	Small Bank
8757	The First National Bank of Elk River	Elk River	MN	09/03/2002	Satisfactory	Large Bank
15037	American Heritage National Bank	Long Prairie	MN	01/06/2003	Satisfactory	Small Bank
13692	The Citizens N. B. of Park Rapids	Park Rapids	MN	01/17/2003	Satisfactory	Small Bank
24048	The Lake Bank, N.A.	Two Harbors	MN	11/04/2002	Satisfactory	Small Bank
23159	Chester National Bank of Missouri	Perryville	MO	12/16/2002	Satisfactory	Small Bank
18178	Copiah Bank, N.A.	Hazlehurst	MS	12/02/2002	Satisfactory	Small Bank
7266	The Citizens National Bank of Meridian	Meridian	MS	07/01/2002	Satisfactory	Large Bank
11382	The First National Bank of Ekalaka	Ekalaka	MT	01/27/2003	Satisfactory	Small Bank
3628	The Carson National Bank of Auburn	Auburn	NE	01/27/2003	Satisfactory	Small Bank
2848	Fremont National Bank and Trust Company	Fremont	NE	06/03/2002	Outstanding	Large Bank
15379	Security National Bank of Omaha	Omaha	NE	05/13/2002	Satisfactory	Large Bank
13415	The State National Bank and Trust Company	Wayne	NE	01/22/2003	Satisfactory	Small Bank
20291	First National Bank ofd Marin	Las Vegas	NV	05/20/2002	Satisfactory	Limited Purpose Bank
8531	Community Bank, N.A.	Canton	NY	10/07/2002	Satisfactory	Large Bank
9536	Kingston National Bank	Kingston	OH	01/06/2003	Satisfactory	Small Bank
11383	The First National Bank of Sycamore	Sycamore	OH	07/29/2002	Satisfactory	Small Bank
12169	First Bethany Bank & Trust, N.A.	Bethany	OK	01/20/2003	Satisfactory	Small Bank
5784	Community Bank, N.A.	Carmichaels	PA	08/11/2002	Satisfactory	Small Bank
31	Omega Bank, N.A.	State College	PA	06/17/2002	Satisfactory	Large Bank
10476	The First National Bank of Linden	Linden	TX	01/06/2003	Satisfactory	Small Bank
24185	West Texas National Bank	Midland	TX	01/22/2003	Satisfactory	Small Bank
12734	The City National Bank of Mineral Wells	Mineral Wells	TX	10/21/2003	Satisfactory	Small Bank
22583	Citizens Bank of Texas, N.A.	New Waverly	TX	01/07/2003	Satisfactory	Small Bank
23903	Smith River Community Bank, N.A.	Martinsville	VA	01/06/2003	Satisfactory	Small Bank
12124	First National Bank of Eagle River	Eagle River	WI	12/19/2002	Satisfactory	Small Bank
14570	First National Bank - West	Evanston	WY	02/03/2003	Satisfactory	Small Bank