CRA Performance Evaluations: April 1997

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
22518	Roseville First National Bank	Roseville	CA	12/02/1996	Satisfactory	Yes
17315	San Jose National Bank	San Jose	CA	01/24/1997	Outstanding	Yes
22112	North Coast Bank, N.A.	Windsor	CA	11/15/1996	Satisfactory	Yes
22195	Nordstrom National Credit Bank	Englewood	CO	12/24/1996	Satisfactory	Yes
10852	The First National Bank of Otis	Otis	CO	12/19/1996	Satisfactory	Yes
22545	Patriot National Bank	Stamford	CT	10/31/1996	Satisfactory	Yes
18132	Commercial National Bank	Daytona Beach	FL	02/06/1997	Satisfactory	No
14732	SunTrust Bank, South Florida, N.A.	Fort Lauderdale	FL	12/17/1996	Satisfactory	Yes
21058	The Huntington National Bank of Florida	Maitland	FL	12/11/1996	Satisfactory	No
16641	First National Bank of the Florida Keys	Marathon	FL	02/06/1997	Satisfactory	Yes
12047	SunTrust Bank, Miami, N.A.	Miami	FL	12/18/1996	Satisfactory	Yes
21162	Guaranty National Bank	Tallahassee	FL	01/10/1997	Satisfactory	Yes
4944	SunTrust Bank, Southeast Georgia, N.A.	Brunswick	GA	11/05/1996	Outstanding	Yes
15651	First National Bank of Chattooga County	Summerville	GA	01/23/1997	Satisfactory	Yes
22883	Thomasville National Bank	Thomasville	GA	01/30/1997	Satisfactory	Yes
15579	First National Bank of Muscatine	Muscatine	IA	02/24/1997	Outstanding	Yes
6713	Downstate National Bank	Brookport	IL	12/04/1996	Satisfactory	Yes
7111	The First National Bank of Chrisman	Chrisman	IL	11/12/1996	Satisfactory	No
14008	First National Bank in DeKalb	DeKalb	IL	12/04/1996	Satisfactory	Yes
14583	Harris Bank Glencoe-Norhbrook, N.A.	Glencoe	IL	02/03/1997	Satisfactory	Yes
13660	First Midwest Bank, N.A.	Itasca	IL	08/29/1996	Satisfactory	No
14418	Peoples National Bank of Kewanee	Kewanee	IL	01/23/1997	Outstanding	Yes
3839	The First National Bank of Mount Pulaski	Mount Pulaski	IL	12/19/1996	Satisfactory	No
8607	First National Bank of Oblong	Oblong	IL	09/17/1996	Outstanding	No
11754	First National Bank of Okawville	Okawville	IL	12/18/1996	Satisfactory	Yes
15511	Pekin National Bank	Pekin	IL	12/09/1996	Satisfactory	Yes
13872	The National Bank & Trust Company of Sycamore	Sycamore	IL	02/05/1997	Satisfactory	Yes
12096	The First National Bank of Xenia	Xenia	IL	12/18/1996	Satisfactory	Yes
14065	First National Bank	Cloverdale	IN	12/17/1996	Satisfactory	Yes
12132	The National City Bank of Evansville	Evansville	IN	02/07/1997	Satisfactory	Yes
23076	The Merchants National Bank of Terre Haute	Terre Haute	IN	10/22/1996	Satisfactory	Yes
6590	The Exchange National Bank of Cottonwood Falls	Cottonwood Falls	KS	01/30/1997	Satisfactory	No
18435	Gardner National Bank	Gardner	KS	01/06/1997	Satisfactory	Yes
8145	First National Bank of Independence	Independence	KS	01/15/1997	Satisfactory	Yes
14259	The First National Bank in Clinton	Clinton	KY	11/27/1996	Satisfactory	Yes
2409	Farmers National Bank of Danville	Danville	KY	12/28/1995	Outstanding	No
10254	Cumberland Valley National Bank	London	KY	01/21/1997	Outstanding	Yes
7605	The First National Bank of Manchester	Manchester	KY	01/30/1997	Outstanding	Yes
14894	Fort Knox National Bank	Radcliff	KY	12/05/1996	Satisfactory	No
1267	Farmers and Mechanics National Bank	Frederick	MD	01/20/1997	Outstanding	No
9087	Superior National Bank & Trust Co.	Hancock	MI	01/21/1997	Outstanding	Yes
12697	Dart National Bank	Mason	MI	01/30/1997	Satisfactory	Yes
14311	The Oakley National Bank of Buffalo	Buffalo	MN	01/24/1997	Satisfactory	Yes
15230	City National Bank of Cloquet	Cloquet	MN	02/06/1997	Satisfactory	Yes
8757	The First National Bank of Elk River	Elk River	MN	02/20/1997	Outstanding	No
12507	The First National Bank in Wadena	Wadena	MN	02/11/1997	Satisfactory	Yes
15124	First National Bank of Boliver County	Cleveland	MS	01/24/1997	Satisfactory	Yes
13790	First National Bank North Dakota	Grand Forks	ND	01/17/1997	Outstanding	Yes
15460	The National Bank of Harvey	Harvey	ND	01/30/1997	Outstanding	Yes
13182	Security National Bank	Laurel	NE	02/03/1997	Outstanding	Yes
3496	First National Bank	North Platte	NE	02/21/1997	Outstanding	Yes
13425	The American National Bank of Sidney	Sidney	NE	02/21/1997	Satisfactory	Yes
16921	Siouxland National Bank	South Sioux City	NE	02/20/1997	Satisfactory	Yes
9498	Farmers and Merchants National Bank of Bridgeton	Bridgeton	NJ	12/02/1996	Satisfactory	Yes
6707	The First National Bank of Elmer	Elmer	NJ	01/24/1997	Satisfactory	No
5621	United National Bank	Lebanon Township (Califon)	NJ	12/09/1996	Satisfactory	Yes
14786	First National Bank in Alamogordo	Alamogordo	NM	09/30/1996	Outstanding	Yes
20962	The Park Avenue Bank, N.A.	New York	NY	12/12/1996	Satisfactory	No
7557	Eaton National Bank & Trust Company	Eaton	OH	06/30/1996	Satisfactory	Yes
8709	First National Bank of Lebanon	Lebanon	OH	01/21/1997	Satisfactory	Yes
7542	New Richmond National Bank	New Richmond	OH	03/31/1996	Outstanding	No
15109	American National Bank	Parma	OH	05/31/1996	Satisfactory	No
7759	The First National Bank of Powhatan Point	Powhatan Point	OH	05/31/1996	Satisfactory	No
3291	Community First Bank, N.A.	Ripley	OH	01/10/1997	Satisfactory	Yes
6594	Security National Bank and Trust Company	Springfield	OH	01/15/1997	Outstanding	No
12529	First National Bank in Coalgate	Coalgate	OK	12/03/1996	Satisfactory	Yes
14005	The First National Bank in Durant	Durant	OK	01/29/1997	Satisfactory	Yes
9767	The Farmers &Merchants National Bank of Fairview	Fairview	OK	01/21/1997	Satisfactory	Yes
9888	The First National Bank of Heavener	Heavener	OK	11/15/1996	Satisfactory	Yes
10566	The National Bank of Hooker	Hooker	OK	09/30/1996	Satisfactory	Yes
5052	First National Bank and Trust Company	McAlester	OK	09/23/1996	Outstanding	Yes
14986	The First National Bank of Midwest City	Midwest City	OK	11/06/1996	Satisfactory	Yes
6511	Territory National Bank	Muskogee	OK	01/30/1997	Satisfactory	Yes
9011	The Eastman National Bank of Newkirk	Newkirk	OK	09/23/1996	Satisfactory	Yes
21429	Security National Bank and Trust Company of Norman	Norman	OK	01/29/1997	Outstanding	Yes
17931	Peoples National Bank	Oklahoma City	OK	12/16/1996	Satisfactory	Yes
7892	Pauls Valley National Bank	Pauls Valley	OK	02/19/1997	Satisfactory	Yes
12158	The Central National Bank of Poteau	Poteau	OK	11/12/1996	Satisfactory	Yes
8159	The Prague National Bank	Prague	OK	11/27/1996	Satisfactory	Yes
17596	First National Bank of Roland	Roland	OK	12/16/1996	Satisfactory	Yes
8615	The First National Bank	Seiling	OK	10/21/1996	Satisfactory	Yes
7278	The First National Bank of Thomas	Thomas	OK	12/31/1996	Satisfactory	Yes
11397	First National Bank of Oklahoma	Tonkawa	OK	10/07/1996	Satisfactory	Yes
15407	First National Bank and Trust Company of Weatherford	Weatherford	OK	11/01/1996	Satisfactory	Yes
16807	First American Bank, N.A. of Woodward	Woodward	OK	09/23/1996	Satisfactory	Yes
11058	Columbia County Farmers National Bank	Bloomsburg	PA	01/13/1997	Satisfactory	Yes
1081	The First National Bank of Greencastle	Greencastle	PA	01/13/1997	Satisfactory	Yes
8326	The First National Bank of Liverpool	Liverpool	PA	01/10/1997	Satisfactory	Yes
14079	NBO National Bank	Olyphant	PA	12/31/1996	Satisfactory	Yes
23068	Valley Bank, N.A.	Elk Point	SD	02/05/1997	Satisfactory	No
22404	EFS National Bank	Memphis	TN	12/09/1996	Satisfactory	Yes
13103	SunTrust Bank, Nashville, N.A.	Nashville	TN	11/20/1996	Satisfactory	Yes
18380	Northwest National Bank of Arlington	Arlington	TX	01/31/1997	Satisfactory	Yes
11415	The First National Bank of Brownfield	Brownfield	TX	10/21/1996	Satisfactory	Yes
6826	First National Bank of Canadian	Canadian	TX	10/15/1996	Satisfactory	Yes
12513	First National Bank of Chillicothe	Chillicothe	TX	10/03/1996	Satisfactory	Yes
7123	First National Bank of Claude	Claude	TX	08/26/1996	Satisfactory	Yes
8606	The Falls City National Bank	Falls City	TX	12/18/1996	Satisfactory	No
7045	First National Bank of Floydada	Floydada	TX	10/01/1996	Satisfactory	Yes
14842	First National Bank of Fort Stockton	Fort Stockton	TX	02/10/1997	Outstanding	No
10420	Texas Gulf Bank, N.A.	Freeport	TX	01/15/1997	Satisfactory	No
4097	National Bank	Gatesville	TX	08/09/1996	Satisfactory	Yes
22643	Graham National Bank	Graham	TX	02/19/1997	Satisfactory	Yes
12742	The State National Bank of Groom	Groom	TX	11/12/1996	Satisfactory	Yes
13443	Citizens National Bank	Henderson	TX	01/07/1997	Satisfactory	Yes
16550	West University Bank, N.A.	Houston	TX	12/09/1996	Satisfactory	No
18641	Mayde Creek Bank, N.A.	Katy	TX	12/19/1996	Satisfactory	Yes
12187	First Nichols National Bank	Kenedy	TX	09/26/1996	Satisfactory	Yes
16127	NBC Bank - Laredo, N.A.	Laredo	TX	09/06/1996	Outstanding	Yes
15187	Surety Bank, N.A.	Lufkin	TX	01/23/1997	Satisfactory	Yes
8674	The Marfa National Bank	Marfa	TX	02/04/1997	Satisfactory	No
16658	Western National Bank of Odessa	Odessa	TX	02/07/1997	Satisfactory	Yes
8771	First National Bnak of Pecos	Pecos	TX	01/13/1997	Satisfactory	Yes
12307	First National Bank in Quanah	Quanah	TX	10/31/1996	Satisfactory	Yes
22792	Plaza International Bank, N.A.	San Antonio	TX	07/15/1997	Outstanding	Yes
12725	First National Bank of Sudan	Sudan	TX	01/01/1997	Outstanding	Yes
18265	Citizens National Bank	Teague	TX	12/31/1996	Satisfactory	No
7010	Herring National Bank of Vernon	Vernon	TX	01/22/1997	Satisfactory	Yes
13022	The State National Ban in West	West	TX	09/05/1996	Satisfactory	Yes
22734	Direct Merchants Credit Card Bank, N.A.	Salt Lake City	UT	12/31/1996	Satisfactory	Yes
21516	Salem Bank and Trust, N.A.	Salem	VA	02/06/1997	Satisfactory	Yes
14801	National Bank of Boyceville	Boyceville	WI	02/13/1997	Satisfactory	Yes
15738	Tri City National Bank	Oak Creek	WI	12/18/1996	Satisfactory	Yes
5658	Peshtigo National Bank	Peshtigo	WI	02/07/1997	Satisfactory	Yes
17102	The Old National Bank of Huntington	Huntington	WV	01/28/1997	Satisfactory	Yes
3029	South Branch Valley National Bank	Moorefield	WV	12/16/1996	Outstanding	Yes