CRA Performance Evaluations: March 1997

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
22777	National Bank of the South	Tuscaloosa	AL	12/16/1996	Satisfactory	Yes
23202	Malvern National Bank	Malvern	AR	12/23/1996	Satisfactory	Yes
22106	Bank of America, N.A.	Phoenix	AZ	10/31/1996	Outstanding	Yes
15715	Norwest Bank Arizona, N.A.	Phoenix	AZ	10/18/1996	Outstanding	No
17510	Sierra National Bank	Tehachapi	CA	11/21/1996	Satisfactory	Yes
16765	FirstBank of Arvada, N.A.	Arvada	CO	01/06/1997	Satisfactory	Yes
16471	FirstBank of Douglas County, N.A.	Castle Rock	CO	01/06/1997	Satisfactory	Yes
18751	FirstBank of Denver, N.A.	Denver	CO	01/06/1997	Outstanding	Yes
21676	FirstBank of Araphaoe County, N.A.	Englewood	CO	01/06/1997	Satisfactory	Yes
17460	FirstBank of Tech Center, N.A.	Englewood	CO	01/06/1997	Satisfactory	Yes
15063	FirstBank of Colorado, N.A.	Lakewood	CO	01/06/1997	Satisfactory	Yes
17037	FirstBank of Lakewood, N.A.	Lakewood	CO	01/06/1997	Satisfactory	Yes
18704	FirstBank of Littleton, N.A.	Littleton	CO	01/06/1997	Satisfactory	Yes
16720	Adams National Bank	Washington	DC	12/09/1996	Satisfactory	No
16116	Palm Beach National Bank & Trust Co.	North Palm Beach	FL	12/02/1996	Satisfactory	Yes
15000	First National Bank of South Miami	South Miami	FL	09/30/1996	Needs to Improve	Yes
22124	Milton National Bank	Roswell	GA	12/19/1996	Satisfactory	Yes
23007	Farmers Bank of Northern Missouri, N.A.	Centerville	IA	12/18/1996	Satisfactory	Yes
4945	UMB National Bank of America	Salina	KS	12/16/1996	Satisfactory	No
14484	Security First National Bank	Alexandria	LA	11/18/1996	Satisfactory	No
14281	Louisiana National Security Bank	Donaldsonville	LA	12/12/1996	Satisfactory	No
7768	First National Bank of Jeanerette	Jeanerette	LA	11/12/1996	Satisfactory	No
1011	First and Ocean National Bank	Newburyport	MA	12/12/1996	Outstanding	Yes
10946	The First National Bank of Brewster	Brewster	MN	01/10/1997	Satisfactory	No
9596	The First National Bank of Starbuck	Starbuck	MN	12/18/1996	Satisfactory	Yes
11410	The First National Bank of Waconia	Waconia	MN	01/10/1997	Outstanding	Yes
20913	Commerce Bank, N.A.	Clayton, Missouri	MO	12/13/1996	Outstanding	No
22473	MCFC National Bank	Kansas City	MO	12/23/1996	Satisfactory	Yes
15850	First National Bank of Lucedale	Lucedale	MS	12/03/1996	Satisfactory	Yes
11229	First National Bank of Reidsville	Reidsville	NC	09/30/1996	Satisfactory	No
8400	The First National Bank of Marquette	Marquette	NE	01/27/1997	Satisfactory	Yes
6728	The Farmers National Bank	Mullica Hill	NJ	12/09/1996	Satisfactory	Yes
2272	First National Bank of Cortland	Cortland	NY	12/19/1996	Satisfactory	Yes
1323	The Delaware National Bank of Delhi	Delhi	NY	01/08/1997	Satisfactory	Yes
14860	Douglas National Bank	Roseburg	OR	12/06/1996	Satisfactory	Yes
9541	The Harleysville National Bank and Trust Company	Harleysville	PA	12/01/1996	Satisfactory	Yes
7051	The Citizens National Bank of Lansford	Lansford	PA	12/16/1996	Satisfactory	Yes
423	First National Bank of Minersville	Minersville	PA	11/25/1996	Satisfactory	Yes
2366	Quakertown National Bank	Quakertown	PA	12/02/1996	Satisfactory	Yes
22915	Founders Trust National Bank	Sioux Falls	SD	01/23/1997	Satisfactory	No
18073	Fidelity Bank, N.A.	Dallas	TX	01/08/1997	Satisfactory	Yes
14124	First National Bank	Edinburg	TX	12/19/1996	Outstanding	Yes
12423	First National Bank	Fairfield	TX	11/04/1996	Satisfactory	No
15593	Bank of Galveston, N.A.	Galveston	TX	11/18/1996	Satisfactory	No
8899	Moody National Bank	Galveston	TX	11/25/1996	Satisfactory	No
12708	First National Bank	Grapevine	TX	11/20/1996	Satisfactory	No
18421	Texas Guaranty National Bank	Houston	TX	12/19/1996	Satisfactory	Yes
278	First Brandon National Bank	Brandon	VT	12/02/1996	Outstanding	Yes
15057	Norwest Bank Wisconsin, N.A.	Milwaukee	WI	11/19/1996	Outstanding	No
14807	The City National Bank of Charleston	Charleston	WV	10/31/1996	Satisfactory	Yes
18154	Hulett National Bank	Hulett	WY	12/23/1996	Satisfactory	Yes