CRA Performance Evaluations: February 1999

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
13752	The Headland National Bank	Headland	AL	12/01/1998	Satisfactory	Small Bank
15090	Citizens National Bank	Valley	AL	06/30/1998	Satisfactory	Small Bank
21371	Merchants Bank of California, N.A.	Carson	CA	10/13/1998	Satisfactory	Small Bank
23349	Rockdale National Bank	Conyers	GA	09/30/1998	Satisfactory	Small Bank
23093	Sapelo National Bank	Darien	GA	11/30/1998	Satisfactory	Small Bank
16275	Fidelity National Bank	Norcross	GA	09/07/1998	Needs to Improve	Large Bank
13842	The First National Bank of Hampton	Hampton	IA	10/19/1998	Satisfactory	Small Bank
22705	Commerce Bank, N.A.	Wichita	KS	09/21/1998	Satisfactory	Large Bank
2560	Farmers National Bank of Cynthiana	Cynthiana	KY	11/19/1998	Satisfactory	Small Bank
2409	Farmers National Bank of Danville	Danville	KY	10/22/1998	Satisfactory	Small Bank
12295	HNB Bank, N.A.	Harlan	KY	11/30/1998	Satisfactory	Small Bank
2245	First National Bank of Mayfield, Ky	Mayfield	KY	10/05/1998	Satisfactory	Small Bank
17735	Progressive National Bank of DeSoto Parish	Mansfield	LA	10/13/1998	Satisfactory	Small Bank
16857	Huron National Bank	Rogers City	MI	10/13/1998	Satisfactory	Small Bank
11305	The First National Bank of Wakefield	Wakefield	MI	10/26/1998	Satisfactory	Small Bank
9771	The First National Bank of Fairfax	Fairfax	MN	11/30/1998	Satisfactory	Small Bank
13095	Bank Midwest, Minnesota Iowa. N.A.	Fairmont	MN	10/05/1998	Satisfactory	Small Bank
13544	First Farmers &Merchants N. B. of Luverne	Luverne	MN	10/05/1998	Satisfactory	Small Bank
11740	The First National Bank of Menahga	Menahga	MN	11/02/1998	Satisfactory	Small Bank
12617	Equity Bank, NA	Atco	NJ	10/14/1998	Satisfactory	Small Bank
15395	Valley National Bank	Espanola	NM	11/09/1998	Satisfactory	Small Bank
3817	Canandaigua National Bank & Trust Co.	Canandaigua	NY	09/21/1998	Outstanding	Large Bank
12018	The Upstate National Bank	Fayetteville	NY	09/10/1998	Satisfactory	Small Bank
13742	First National Bank	Orrville	OH	06/30/1998	Satisfactory	Small Bank
3565	The First National Bank of Wellston	Wellston	OH	11/24/1998	Satisfactory	Small Bank
6879	The First National Bank of Coweta	Coweta	OK	10/19/1998	Satisfactory	Small Bank
11913	Idabel National Bank	Idabel	OK	11/16/1998	Satisfactory	Small Bank
17269	McCurtain County National Bank	Idabel	OK	11/30/1998	Satisfactory	Small Bank
5052	First National Bank & Trust Company	McAlester	OK	11/02/1998	Satisfactory	Large Bank
8783	The First National Bank of Fredericksburg	Fredericksburg	PA	10/26/1998	Satisfactory	Small Bank
9886	LA Bank, N.A.	Lake Ariel	PA	10/13/1998	Satisfactory	Large Bank
4039	The First National Bank of Mifflintown	Mifflintown	PA	09/21/1998	Satisfactory	Small Bank
9149	The National Bank of North East	North East	PA	10/31/1998	Satisfactory	Small Bank
6181	The First National Bank of Freeman	Freeman	SD	11/30/1998	Satisfactory	Small Bank
4366	First National Bank of Hico	Hico	TX	11/30/1998	Satisfactory	Small Bank
18297	East Texas National Bank of Marshall	Marshall	TX	11/30/1998	Satisfactory	Small Bank
22814	First Community Bank, N.A.	Pearland	TX	10/26/1998	Satisfactory	Small Bank
16626	Central National Bank	Waco	TX	10/26/1998	Satisfactory	Small Bank
9295	First National Bank of Altavista	Altavista	VA	10/26/1998	Satisfactory	Small Bank
6443	Rappahannock N. B. of Washington	Washington	VA	10/26/1998	Satisfactory	Small Bank
3724	First National Bank - Fox Valley	Menasha	WI	11/30/1998	Satisfactory	Small Bank