CRA Performance Evaluations: February 2002

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
18777	Dillard National Bank	Gilbert	AZ	10/09/2001	Satisfactory	Limited Purpose Bank
11872	First National Bank of Flagler	Flagler	CO	11/05/2001	Satisfactory	Small Bank
23764	Flagship National Bank	Bradenton	FL	10/29/2001	Satisfactory	Small Bank
23752	Albany Bank & Trust, N. A.	Albany	GA	10/22/2001	Satisfactory	Small Bank
9619	Landmands National Bank	Audubon	IA	11/05/2001	Satisfactory	Small Bank
6375	The Farmers N. B. of Phophetstown	Prophetstown	IL	11/13/2001	Satisfactory	Small Bank
22135	Century Bank, N.A.	Eden Prairie	MN	11/13/2001	Satisfactory	Small Bank
6488	First National Bank of McIntosh	McIntosh	MN	11/05/2001	Satisfactory	Small Bank
15198	St. Martin National Bank	St. Martin	MN	11/15/2001	Satisfactory	Small Bank
3081	The Beatrice National Bank and Trust Co.	Beatrice	NE	08/20/2001	Satisfactory	Small Bank
17719	American National Bank of Fremont	Fremont	NE	11/16/2001	Outstanding	Small Bank
1333	Providian National Bank	Tilton	NH	02/20/2001	Satisfactory	Limited Purpose Bank
929	The National Union Bank of Kinderhook	Kinderhook	NY	11/13/2001	Satisfactory	Small Bank
5263	First Citizens National Bank	Dyersburg	TN	06/18/2001	Satisfactory	Large Bank
15820	American Bank, N.A.	Corpus Christi	TX	10/01/2001	Satisfactory	Large Bank
15593	Hometown Bank, N.A.	Galveston	TX	11/05/2001	Outstanding	Small Bank
14012	First National Bank	George West	TX	10/01/2001	Satisfactory	Small Bank
5288	The First National Bank of Gilmer	Gilmer	TX	10/15/2001	Satisfactory	Small Bank
21008	Unity National Bank of Houston	Houston	TX	10/09/2001	Satisfactory	Small Bank
11879	Mercedes National Bank	Mercedes	TX	10/29/2001	Satisfactory	Small Bank
16357	Lakeside National Bank	Rockwall	TX	10/29/2001	Satisfactory	Small Bank
23828	Millennium Bank, National Association	Reston	VA	11/15/2001	Satisfactory	Small Bank
5658	Peshtigo National Bank	Peshtigo	WI	10/22/2001	Satisfactory	Small Bank
11526	Eagle Valley Bank, N.A.	St. Croix Falls	WI	11/13/2001	Satisfactory	Small Bank