CRA Performance Evaluations: July 2003

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
4838	The First National Bank of Talladega	Talladega	AL	04/02/2003	Satisfactory	Small Bank
17176	Mission National Bank	San Francisco	CA	02/03/2003	Satisfactory	Small Bank
16723	American Business Bank, N.A.	Denver	CO	02/03/2003	Satisfactory	Large Bank
11197	The First National Bank of Stratton	Stratton	CO	04/07/2003	Outstanding	Small Bank
8752	First Pioneer National Bank	Wray	CO	04/21/2003	Satisfactory	Small Bank
23160	Chase Manhattan Bank USA, N.A.	Newark	DE	03/03/2003	Outstanding	Large Bank
20976	First National Bank of Pasco	Dade City	FL	04/21/2003	Satisfactory	Small Bank
22152	The Savannah Bank, N.A.	Savannah	GA	02/18/2003	Satisfactory	Small Bank
12870	First National Bank-Employee Owned	Antioch	IL	03/24/2003	Satisfactory	Small Bank
3711	The Atlanta National Bank	Atlanta	IL	03/08/2003	Satisfactory	Small Bank
2242	The Havana National Bank	Havana	IL	04/21/2003	Satisfactory	Small Bank
22652	The National Bank of Indianapolis	Indianapolis	IN	10/21/2002	Satisfactory	Large Bank
10359	Citizens National Bank	Arlington	KS	03/06/2003	Satisfactory	Small Bank
21389	Community National Bank	Chanute	KS	03/03/2003	Satisfactory	Small Bank
14163	First National Bank	Goodland	KS	01/06/2003	Satisfactory	Large Bank
12694	The Hoisington National Bank	Hoisington	KS	04/17/2003	Satisfactory	Small Bank
3720	The First National Bank of Olathe	Olathe	KS	04/07/2003	Satisfactory	Large Bank
22998	Citizens National Bank of Jessamine County	Nicholasville	Ky	03/17/2003	Satisfactory	Small Bank
17735	Progressive National Bank of DeSoto Parish	Mansfield	LA	03/10/2003	Satisfactory	Small Bank
14187	The Ionia County National Bank of Ionia	Ionia	MI	03/24/2003	Satisfactory	Small Bank
6863	The First National Bank of Norway	Norway	MI	03/18/2003	Satisfactory	Small Bank
9703	The First National Bank of Deerwood	Deerwood	MN	03/17/2003	Satisfactory	Small Bank
8049	First National Bank of Herman	Herman	MN	05/06/2003	Satisfactory	Small Bank
13972	Minnstar Bank, N.A.	Lake Crystal	MN	03/25/2003	Satisfactory	Small Bank
15304	First Farmers &Merchants National Bank	Le Sueur	MN	04/17/2003	Satisfactory	Small Bank
12488	First National Bank of Luverne	Luverne	MN	03/31/2003	Satisfactory	Small Bank
13086	First National Bank in Montevideo	Montevideo	MN	03/03/2003	Satisfactory	Small Bank
2073	The First National Bank of Northfield	Northfield	MN	03/24/2003	Satisfactory	Small Bank
6661	Midwest Bank, N.A.	Parkers Prairie	MN	02/20/2003	Satisfactory	Small Bank
23986	NorthStar Bank, N.A.	Kansas City	MO	04/01/2003	Satisfactory	Small Bank
7684	The First National Bank	Lamar	MO	03/24/2003	Outstanding	Small Bank
15150	First National Bank of Montana, Inc.	Libby	MT	02/20/2003	Outstanding	Small Bank
3375	Bank of the Rockies	White Sulphur Springs	MT	05/12/2003	Satisfactory	Small Bank
18339	First National Bank	Sidney	NE	03/03/2003	Satisfactory	Small Bank
12606	The Yardville National Bank	Hamilton	NJ	02/03/2003	Satisfactory	Large Bank
22611	TD Waterhouse Bank, N.A	Jersey City	NJ	03/10/2003	Satisfactory	Strategic Plan
21109	The First National Bank of Ruidoso	Ruidoso	NM	03/24/2003	Satisfactory	Small Bank
22839	Adirondack Bank, N.A.	Saranac Lake	NY	02/25/2003	Satisfactory	Small Bank
23585	Granite National Bank	Bowling Green	OH	12/31/2002	Satisfactory	Limited Purpose Bank
2036	The Vinton County National Bank	McArthur	OH	04/14/2003	Satisfactory	Small Bank
46	The First National Bank of McConnelsville	McConnelsville	OH	05/05/2003	Satisfactory	Small Bank
14294	First National Bank in New Bremen	New Bremen	OH	04/30/2003	Satisfactory	Small Bank
2479	The Second National Bank of Warren	Warren	OH	09/03/2002	Satisfactory	Large Bank
828	The Wayne County National Bank of Wooster	Wooster	OH	02/24/2003	Satisfactory	Large Bank
11913	The Idabel National Bank	Idabel	OK	04/28/2003	Satisfactory	Small Bank
23516	Liberty National Bank	Lawton	OK	03/17/2003	Satisfactory	Small Bank
17076	Bridgeview Bank, N.A.	Oklahoma City	OK	04/10/2003	Satisfactory	Small Bank
23235	Bank of the Lakes, N.A.	Owasso	OK	03/10/2003	Satisfactory	Small Bank
18430	First National Bank and Trust Company	Shawnee	OK	04/28/2003	Satisfactory	Small Bank
8861	The Waurika National Bank	Waurika	OK	04/10/2003	Satisfactory	Small Bank
325	FNB Bank, N.A.	Danville	PA	01/21/2003	Satisfactory	Large Bank
13618	First Citizens National Bank	Mansfield	PA	03/10/2003	Outstanding	Large Bank
23922	Lowcountry National Bank	Beaufort	SC	03/31/2003	Satisfactory	Small Bank
10660	The National Bank of South Carolina	Columbia	SC	01/13/2003	Satisfactory	Large Bank
10583	Erwin National Bank	Erwin	TN0	04/11/2003	Satisfactory	Small Bank
13681	National Bank of Commerce	Memphis	TN	12/31/2001	Outstanding	Large Bank
15372	Western National Bank	Amarillo	TX	02/25/2003	Satisfactory	Small Bank
5786	The First National Bank of Aspermont	Aspermont	TX	04/07/2003	Satisfactory	Small Bank
3533	The First National Bank of Ballinger	Ballinger	TX	05/19/2003	Satisfactory	Small Bank
8134	The Blanco National Bank	Blanco	TX	03/10/2003	Satisfactory	Small Bank
12795	First National Bank In Cisco	Cisco	TX	03/28/2003	Satisfactory	Small Bank
4900	The Citizens National Bank of Hillsboro	Hillsboro	TX	04/21/2003	Satisfactory	Small Bank
5581	Austin Bank, Texas, N.A.	Jacksonville	TX	03/10/2003	Satisfactory	Large Bank
18480	Inter National Bank	McAllen	TX	04/14/2003	Satisfactory	Large Bank
16799	The American N. B. of Mount Pleasant	Mt. Pleasant	TX	01/30/2003	Satisfactory	Small Bank
13541	The Liberty National Bank in Paris	Paris	TX	04/11/2003	Satisfactory	Small Bank
14821	First National Bank in Port Lavaca	Port Lavaca	TX	03/31/2003	Satisfactory	Small Bank
18125	First National Bank of Sachse	Sachse	TX	03/31/2003	Satisfactory	Small Bank
22807	Texas National Bank	Sweetwater	TX	03/24/2003	Satisfactory	Small Bank
5737	The First National Bank of Trenton	Trenton	TX	04/17/2003	Satisfactory	Small Bank
16883	City National Bank	Weslaco	TX	02/24/2003	Satisfactory	Small Bank
23880	Access National Bank	Chantilly	VA	01/07/2003	Satisfactory	Small Bank
9924	Powell Valley National Bank	Jonesville	VA	04/08/2003	Satisfactory	Small Bank
3080	The Factory Point N. B. of Manchester Center	Manchester Center	VT	03/24/2003	Satisfactory	Small Bank
2274	The Randolph National Bank	Randolph	VT	04/07/2003	Satisfactory	Small Bank
3956	Baker Boyer National Bank	Walla Walla	WA	03/17/2003	Satisfactory	Large Bank
4602	The American National Bank of Beaver Dam	Beaver Dam	WI	04/07/2003	Satisfactory	Small Bank
13879	National Exchange Bank and Trust	Fond du Lac	WI	02/24/2003	Outstanding	Large Bank
4643	First Century Bank, N.A.	Bluefield	WV	12/02/2003	Satisfactory	Large Bank
8345	The Fayette County N. B. of Fayetteville	Fayetteville	WV	05/12/2003	Satisfactory	Small Bank