CRA Performance Evaluations: August 2003

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
23195	Forrest City Bank, N.A.	Forrest City	AR	03/06/2003	Satisfactory	Small Bank
16256	The First National Bank of McGehee	McGehee	AR	03/31/2003	Satisfactory	Small Bank
10807	The First National Bank of Wynne	Wynne	AR	05/05/2003	Satisfactory	Small Bank
16154	Delta National Bank	Manteca	CA	05/27/2003	Satisfactory	Small Bank
17751	Northern Trust Bank of California, N.A.	Santa Barbara	CA	01/06/2003	Outstanding	Wholesale Bank
16258	First National Bank South	Alma	GA	04/07/2003	Satisfactory	Small Bank
14466	Farmers National Bank of Griggsville	Griggsville	IL	05/19/2003	Outstanding	Small Bank
13347	The Girard National Bank	Girard	KS	04/21/2003	Outstanding	Small Bank
23926	Woodlands National Bank	Hinckley	MN	04/14/2003	Satisfactory	Small Bank
22706	First Missouri National Bank	Brookfield	MO	05/13/2003	Satisfactory	Small Bank
23232	Investors National Bank	Chillicothe	MO	05/27/2003	Satisfactory	Small Bank
1770	The Boone County N. B. of Columbia	Columbia	MO	03/10/2003	Outstanding	Large Bank
15108	Los Alamos National Bank	Los Alamos	NM	04/28/2003	Satisfactory	Large Bank
11583	Evans National Bank	Angola	NY	04/30/2003	Satisfactory	Small Bank
1083	The First National Bank of Groton	Groton	NY	04/28/2003	Outstanding	Small Bank
14141	Brookville National Bank	Brookville	OH	01/15/2003	Satisfactory	Small Bank
3654	The Farmers National Bank of Canfield	Canfield	OH	01/06/2003	Satisfactory	Large Bank
13802	The First National Bank of Dennison	Dennison	OH	12/09/2002	Satisfactory	Small Bank
13994	Greenville National Bank	Greenville	OH	02/10/2003	Satisfactory	Small Bank
22183	Spirit Of America National Bank	Milford	OH	10/15/2002	Needs to Improve	Limited Purpose Bank
11343	The First National Bank of Pandora	Pandora	OH	08/21/2002	Satisfactory	Small Bank
5753	The City National Bank & Trust Co. of Lawton	Lawton	OK	05/13/2003	Satisfactory	Small Bank
17045	First Fidelity Bank, N.A.	Oklahoma City	OK	05/27/2003	Satisfactory	Large Bank
16405	Quail Creek Bank, N.A.	Oklahoma City	OK	06/09/2003	Satisfactory	Small Bank
13998	County National Bank	Clearfield	PA	02/03/2003	Outstanding	Large Bank
14133	Commercial N. B. of Pennsylvania	Latrobe	PA	03/24/2003	Satisfactory	Large Bank
22404	Concord EFS National Bank	Memphis	TN	12/03/2002	Satisfactory	Limited Purpose Bank
17486	First National Bank of Colorado City	Colorado City	TX	06/17/2003	Satisfactory	Small Bank
6112	NewFirst National Bank	El Campo	TX	03/31/2003	Satisfactory	Small Bank
8575	The First National Bank of Eldorado	Eldorado	TX	05/19/2003	Satisfactory	Small Bank
16422	Summit Bank, National Association	Fort Worth	TX	05/12/2003	Satisfactory	Small Bank
14371	Commercial Bank of Texas, N.A.	Nacogdoches	TX	04/14/2003	Satisfactory	Large Bank
23401	CrediCard National Bank	San Antonio	TX	05/12/2003	Satisfactory	Limited Purpose Bank
5222	The First National Bank of Stoughton	Stoughton	WI	04/28/2003	Satisfactory	Small Bank
4755	Rock Springs National Bank	Rock Springs	WY	04/07/2003	Satisfactory	Small Bank