CRA Performance Evaluations: January 2003

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
14097	First National Bank	Marianna	AR	10/08/2002	Satisfactory	Small Bank
17945	Citizens National Bank of Nashville	Nashville	AR	09/30/2002	Satisfactory	Small Bank
18058	Grand Valley National Bank	Grand Junction	CO	09/30/2002	Satisfactory	Small Bank
8980	The First National Bank of Alachua	Alachua	FL	10/07/2002	Satisfactory	Small Bank
21830	First National Bank of Florida	Naples	FL	08/05/2002	Satisfactory	Large Bank
5778	The First National Bank, Oelwein	Oelwein	IA	10/15/2002	Satisfactory	Small Bank
1154	First National Bank of Ottawa	Ottawa	IL	10/28/2002	Satisfactory	Small Bank
47	Terre Haute First National Bank	Terre Haute	IN	06/03/2002	Satisfactory	Large Bank
11318	The Downs National Bank	Downs	KS	09/13/2002	Satisfactory	Small Bank
17802	First National Bank of Holcomb	Holcomb	KS	11/06/2002	Satisfactory	Small Bank
4742	Sunflower Bank, N.A.	Salina	KS	09/09/2002	Outstanding	Large Bank
3091	First National Bank in Wellington	Wellington	KS	10/21/2002	Satisfactory	Small Bank
23290	Bremer Bank, N.A.	South St. Paul	MN	10/15/2002	Outstanding	Large Bank
12333	First National Bank of St. Louis	St. Louis	MO	08/12/2002	Satisfactory	Large Bank
6378	The First National Bank of Valentine	Valentine	NE	10/16/2002	Satisfactory	Small Bank
3878	Amboy National Bank	Old Bridge	NJ	08/26/2002	Outstanding	Large Bank
15790	Valley National Bank	Wayne	NJ	07/29/2002	Satisfactory	Large Bank
14800	Ellenville National Bank	Ellenville	NY	08/19/2002	Satisfactory	Small Bank
20962	The Park Avenue Bank, N.A.	New York	NY	03/19/2002	Satisfactory	Wholesale Bank
21530	Saratoga National Bank and Trust Company	Saratoga Sprngs	NY	08/26/2002	Satisfactory	Large Bank
23106	Century National Bank	Zanesville	OH	04/22/2002	Satisfactory	Large Bank
12529	Shamrock Bank, N.A.	Coalgate	OK	11/04/2002	Satisfactory	Small Bank
21060	Pioneer Trust Bank, N.A.	Salem	OR	09/11/2002	Satisfactory	Small Bank
23073	First National Bank of the Carolinas	Gaffney	SC	08/21/2002	Satisfactory	Small Bank
22952	Sumter National Bank093002	Sumter	SC	09/30/2002	Satisfactory	Small Bank
12723	First National Bank in Bronte	Bronte	TX	10/15/2002	Satisfactory	Small Bank
14124	First National Bank	Edinburg	TX	10/07/2002	Outstanding	Large Bank
17626	Pioneer National Bank	Fredericksburg	TX	10/21/2002	Satisfactory	Small Bank
13111	The Lamesa National Bank	Lamesa	TX	10/31/2002	Satisfactory	Small Bank
17606	Llano National Bank	Llano	TX	10/28/2002	Satisfactory	Small Bank
12556	The East Texas National Bank	Palestine	TX	09/23/2002	Satisfactory	Small Bank
10646	The First National Bank of Quitman	Quitman	TX	11/04/2002	Satisfactory	Small Bank
16626	Central National Bank	Waco	TX	10/07/2002	Satisfactory	Large Bank
13516	Citizens National Bank in Waxahachie	Waxahachie	TX	10/25/2002	Satisfactory	Small Bank
14955	Zapata National Bank	Zapata	TX	09/30/2002	Satisfactory	Small Bank
23139	Chevron Credit Bank, N.A.	Murray	UT	07/22/2002	Satisfactory	Wholesale Bank
1582	The National Bank of Fredericksburg	Fredericksburg	VA	09/18/2002	Satisfactory	Large Bank
7898	The National Bank of Waupun	Waupun	WI	09/23/2002	Satisfactory	Small Bank
3299	The First National Bank of Buffalo	Buffalo	WY	10/23/2002	Satisfactory	Small Bank