CRA Performance Evaluations: March 1999

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
21990	First Interstate Bank of Alaska, N.A.	Anchorage	AK	01/04/1999	Satisfactory	Small Bank
23108	Home National Bank	Scottsdale	AZ	11/30/1998	Satisfactory	Small Bank
21992	First Valley National Bank	Lancaster	CA	12/15/1998	Satisfactory	Small Bank
17212	Rancho Santa Fe National Bank	Rancho Santa Fe	CA	12/02/1998	Satisfactory	Small Bank
22832	Kaweah National Bank	Visalia	CA	04/06/1998	Satisfactory	Small Bank
15126	Aurora National Bank	Aurora	CO	11/30/1998	Outstanding	Small Bank
3879	First National Bank of Canon City	Canon City	CO	11/10/1998	Satisfactory	Small Bank
8489	The First National Bank of Hugo	Hugo	CO	11/16/1998	Satisfactory	Small Bank
16720	Adams National Bank	Washington	DC	01/04/1999	Satisfactory	Small Bank
16804	Commercebank, N.A.	Coral Gables	FL	12/31/1997	Satisfactory	Large Bank
23184	Eagle National Bank	Stockbridge	GA	11/18/1998	Satisfactory	Small Bank
23175	MetroBank, N.A.	Davenport	IA	11/02/1998	Satisfactory	Large Bank
15799	First National Bank	Fontanelle	IA	11/16/1998	Satisfactory	Small Bank
3455	The First National Bank of Manning	Manning	IA	12/14/1998	Satisfactory	Small Bank
13978	First National Bank of West Union, Iowa	West Union	IA	11/30/1998	Satisfactory	Small Bank
4596	Old Second National Bank of Aurora	Aurora	IL	10/26/1998	Satisfactory	Large Bank
8713	First National Bank of Manhattan	Manhattan	IL	11/23/1998	Satisfactory	Small Bank
9408	The Peoples NB of McLeansboro	McLeansboro	IL	11/05/1998	Satisfactory	Small Bank
3156	Community National Bank of Metropolis	Metropolis	IL	11/25/1998	Satisfactory	Small Bank
6907	The First National Bank of Sumner	Sumner	IL	12/14/1998	Satisfactory	Small Bank
4994	The First National Bank	Vandalia	IL	01/04/1999	Satisfactory	Small Bank
23570	First Bank Richmond, N.A.	Richmond	IN	10/20/1998	Satisfactory	Large Bank
23045	American Trust Bank, N.A.	Cumberland	MD	05/11/1998	Satisfactory	Large Bank
23185	County National Bank	Glen Burnie	MD	12/07/1998	Satisfactory	Small Bank
8378	First National Bank of Chaska	Chaska	MN	11/30/1998	Satisfactory	Small Bank
13973	Heritage National Bank	North Saint Paul	MN	11/01/1998	Satisfactory	Small Bank
6544	First National Bank of Waseca	Waseca	MN	12/22/1998	Satisfactory	Small Bank
7684	The First National Bank	Lamar	MO	01/04/1999	Satisfactory	Small Bank
20573	First National Bank of Missouri	Lee's Summit	MO	11/30/1998	Satisfactory	Large Bank
22949	First National Bank of South Mississippi	Hattiesburg	MS	09/30/1998	Satisfactory	Small Bank
15851	First National Bank	Rosedale	MS	11/30/1998	Outstanding	Small Bank
6221	First National Bank Northeast	Lyons	NE	01/04/1999	Satisfactory	Small Bank
12425	Union Center National Bank	Union	NJ	11/24/1998	Satisfactory	Large Bank
14579	FirstMerit Bank, N.A.	Akron	OH	06/30/1998	Satisfactory	Large Bank
2302	The First National Bank of Bellevue	Bellevue	OH	09/30/1998	Satisfactory	Small Bank
2449	Merchants National Bank	Hillsboro	OH	10/30/1998	Satisfactory	Small Bank
18305	Community National Bank	Alva	OK	01/04/1999	Satisfactory	Small Bank
12141	The First National Bank of Fletcher	Fletcher	OK	11/25/1998	Satisfactory	Small Bank
9964	The City NB and Trust Co. of Guymon	Guymon	OK	11/16/1998	Satisfactory	Small Bank
17745	Charter National Bank	Oklahoma City	OK	12/03/1998	Satisfactory	Small Bank
18596	Lincoln National Bank	Oklahoma City	OK	12/14/1998	Outstanding	Small Bank
17926	Triad Bank, N.A.	Tulsa	OK	11/16/1998	Satisfactory	Small Bank
23348	F&M Bank, N.A.	Yukon	OK	01/04/1999	Satisfactory	Small Bank
2137	National Penn Bank	Boyerton	PA	10/05/1998	Satisfactory	Large Bank
2505	The First National Bank of Canton	Canton	PA	11/09/1998	Satisfactory	Small Bank
20221	Keystone Bank, N.A.	Horsham	PA	05/11/1998	Satisfactory	Large Bank
23176	Keystone National Bank	Lancaster	PA	05/11/1998	Satisfactory	Large Bank
8930	The First National Bank of Palmerton	Palmerton	PA	11/23/1998	Satisfactory	Small Bank
1663	Pennsylvania National Bank and Trust Company	Pottsville	PA	05/11/1998	Satisfactory	Large Bank
8134	Blanco National Bank	Bianco	TX	11/09/1998	Satisfactory	Small Bank
15929	Brookhollow National Bank	Dallas	TX	11/09/1998	Satisfactory	Small Bank
21357	Brookhollow National Bank	Richardson	TX	11/23/1998	Satisfactory	Small Bank
12725	The First National Bank of Sudan	Sudan	TX	12/07/1998	Satisfactory	Small Bank
278	First Brandon National Bank	Brandon	VT	11/16/1998	Outstanding	Small Bank
12231	The State National Bank of Garfield	Garfield	WA	12/11/1998	Satisfactory	Small Bank
16516	Fidelity National Bank	Medford	WI	11/30/1998	Satisfactory	Small Bank
11483	The Williamstown National Bank	Williamstown	WV	09/30/1998	Satisfactory	Small Bank
15359	Hilltop National Bank	Casper	WY	11/30/1998	Outstanding	Small Bank
15158	First National Bank of Gillette	Gillette	WY	11/02/1998	Satisfactory	Small Bank
18154	Hulett National Bank	Hulett	WY	11/16/1998	Satisfactory	Small Bank