CRA Performance Evaluations: December 2004

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
16579	The First National Bank of Hamilton	Hamilton	AL	08/02/2004	Satisfactory	Small Bank
18686	Community National Bank	Escondido	CA	07/08/2004	Satisfactory	Large Bank
24319	Pacific Capital Bank, N.A.	Santa Barabara	CA	06/07/2004	Satisfactory	Large Bank
2637	The First National Bank of Durango	Durango	CO	09/27/2004	Satisfactory	Small Bank
15472	First National Bank of Estes Park	Estes Park	CO	09/27/2004	Satisfactory	Small Bank
8205	First National Bank	Julesburg	CO	09/13/2004	Satisfactory	Small Bank
18787	First National Bank	Telluride	CO	09/07/2004	Satisfactory	Small Bank
23178	Pelican National Bank	Naples	Fl	08/23/2004	Satisfactory	Small Bank
21390	Community National Bank of Sarasota Co.	Venice	FL	09/13/2004	Satisfactory	Small Bank
23302	Algonquin State Bank, N.A.	Algonquin	IL	10/04/2004	Satisfactory	Small Bank
14748	Downers Grove National Bank	Downers Grove	IL	10/04/2004	Satisfactory	Small Bank
14403	National Bank of Earlville	Earlville	IL	09/07/2004	Satisfactory	Small Bank
8713	First National Bank of Manhattan	Manhattan	IL	09/20/2004	Satisfactory	Small Bank
8221	The Farmers &Merchants N.B. of Nashville	Nashville	IL	07/19/2004	Satisfactory	Small Bank
14436	First National Bank of Nokomis	Nokomis	IL	09/28/2004	Satisfactory	Small Bank
11443	Illinois National Bank	Springfield	IL	08/03/2004	Satisfactory	Small Bank
12384	The First National Bank of Hope	Hope	KS	08/16/2004	Outstanding	Small Bank
23038	Landmark National Bank	Manhattan	KS	10/04/2004	Satisfactory	Large Bank
11544	The Citizens National Bank of Somerset	Somerset	KY	09/15/2004	Satisfactory	Large Bank
7772	First National Bank	Hawley	MN	09/07/2004	Satisfactory	Small Bank
6837	The First National Bank of Osakis	Oasakis	MN	07/12/2004	Satisfactory	Small Bank
13435	The Farmers &Merchants N.B. of Ashland	Ashland	NE	10/18/2004	Satisfactory	Small Bank
976	The Putnam County National Bank	Carmel	NY	08/02/2004	Satisfactory	Small Bank
981	Stissing National Bank	Pine Plains	NY	05/10/2004	Satisfactory	Small Bank
6667	The Peoples National Bank of Mt. Pleasant	Mt. Pleasant	OH	07/19/2004	Satisfactory	Small Bank
11512	Vartan National Bank	Dauphin	PA	02/16/2004	Satisfactory	Small Bank
8854	The Citizens National Bank of Evans City	Evans City	PA	03/10/2004	Satisfactory	Large Bank
21037	The Peoples National Bank	Easley	SC	07/01/2004	Satisfactory	Small Bank
7337	First National Bank of Anderson	Anderson	TX	04/19/2004	Satisfactory	Small Bank
15820	American Bank, N.A.	Corpus Christi	TX	08/23/2004	Satisfactory	Large Bank
23545	United Community Bank, N.A.	Highland Village	TX	08/23/2004	Satisfactory	Small Bank
17772	Concord Bank, National Association	Houston	TX	09/15/2004	Satisfactory	Small Bank
16910	City National Bank	Kilgore	TX	08/06/2004	Satisfactory	Small Bank
12898	First National Bank of Newton	Newton	TX	09/13/2004	Satisfactory	Small Bank
23892	First Community Bank, N.A.	Bluefield	VA	08/30/2004	Satisfactory	Large Bank
10265	First National Bank & Trust Company	Powell	WY	09/07/2004	Outstanding	Small Bank