CRA Performance Evaluations: September 2003

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
16553	Commonwealth National Bank	Mobile	AL	06/02/2003	Satisfactory	Small Bank
14389	The First National Bank in Blytheville	Blytheville	AR	01/06/2003	Satisfactory	Small Bank
8763	First National Bank of Springdale	Springdale	AR	04/07/2003	Satisfactory	Large Bank
23162	Borrego Springs Bank, N.A.	Borrego Springs	CA	05/05/2003	Satisfactory	Small Bank
16240	Los Angeles National Bank	Buena Park	CA	05/05/2003	Outstanding	Small Bank
23950	Chino Commercial Bank, N.A.	Chino	CA	05/05/2003	Satisfactory	Small Bank
17546	Harbor National Bank	Dana Point	CA	05/05/2003	Satisfactory	Small Bank
18383	International City Bank, N.A.	Long Beach	CA	05/05/2003	Satisfactory	Small Bank
18242	Inland Empire National Bank	Riverside	CA	05/05/2003	Outstanding	Small Bank
17785	United National Bank	San Marino	CA	05/05/2003	Satisfactory	Large Bank
17548	Bank of Whittier, N.A.	Whittier	CA	05/05/2003	Needs to Improve	Small Bank
14833	First National Bank, Cortez	Cortez	CO	06/30/2003	Satisfactory	Small Bank
8489	First National Bank of Hugo	Hugo	CO	06/02/2003	Satisfactory	Small Bank
14222	The First National Bank in Trinidad	Trinidad	CO	06/30/2003	Outstanding	Small Bank
24095	MBNA America (Delaware), N.A.	Wilmington	DE	04/07/2003	Satisfactory	Large Bank
15268	International Bank of Miami, N.A.	Coral Gables	FL	04/14/2003	Satisfactory	Large Bank
4920	The First National Bank of Decatur	Decatur	IL	04/28/2003	Satisfactory	Large Bank
14008	Castle Bank, N.A.	DeKalb	IL	01/13/2003	Outstanding	Large Bank
3216	The First National Bank of Girard	Girard	KS	06/17/2003	Satisfactory	Small Bank
10789	The Citizens National Bank	Greenleaf	KS	05/13/2003	Satisfactory	Small Bank
7911	The Marion National Bank	Marion	KS	06/16/2003	Satisfactory	Small Bank
3855	The First National Bank of Sedan	Sedan	KS	06/09/2003	Satisfactory	Small Bank
7605	The First National Bank of Manchester	Manchester	KY	05/19/2003	Satisfactory	Small Bank
14977	Whitney National Bank	New Orleans	LA	01/06/2003	Outstanding	Large Bank
22107	Franklin Bank, N.A.	Southfield	MI	01/21/2003	Satisfactory	Large Bank
13116	Western National Bank	Duluth	MN	05/12/2003	Satisfactory	Small Bank
13350	Community National Bank	Northfield	MN	03/31/2003	Satisfactory	Small Bank
21857	Citizens National Bank of Springfield	Springfield	MO	05/16/2003	Satisfactory	Small Bank
5827	Farmers Bank of Northern Missouri, N.A.	Unionville	MO	06/02/2003	Outstanding	Small Bank
15460	The National Bank of Harvey	Harvey	ND	03/18/2003	Satisfactory	Small Bank
2683	Cornerstone Bank, N.A.	York	NE	04/09/2003	Satisfactory	Large Bank
12450	The National Bank of Geneva	Geneva	NY	04/10/2003	Outstanding	Large Bank
10216	The Citizens National Bank of Hammond	Hammond	NY	06/16/2003	Outstanding	Small Bank
14709	Stebbins National Bank of Creston	Creston	OH	05/15/2003	Satisfactory	Small Bank
11306	The First National Bank of Nash	Nash	OK	06/10/2003	Satisfactory	Small Bank
23982	Islands Community Bank, N.A.	Beaufort	SC	07/07/2003	Satisfactory	Small Bank
12838	First National Bank in Brookings	Brookings	SD	01/07/2003	Satisfactory	Large Bank
14351	The Hondo National Bank	Hondo	TX	05/29/2003	Satisfactory	Small Bank
17479	Southwest Bank of Texas, N.A.	Houston	TX	05/05/2003	Outstanding	Large Bank
18068	McAllen National Bank	McAllen	TX	06/09/2003	Satisfactory	Small Bank
5325	The First National Bank of Saint Jo	Saint Jo	TX	06/02/2003	Satisfactory	Small Bank
5466	The First National Bank of Sonora	Sonora	TX	06/02/2003	Satisfactory	Small Bank