CRA Performance Evaluations: April 1999

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
12072	First National Bank of Anchorage	Anchorage	AK	06/30/1998	Satisfactory	Large Bank
14569	South Trust Bank, N.A.	Birmingham	AL	12/19/1997	Satisfactory	Large Bank
17121	Palm Desert National Bank	Palm Desert	CA	12/07/1998	Satisfactory	Small Bank
14750	First National Bank of New England	Hartford	CT	03/02/1999	Satisfactory	Small Bank
18739	First Liberty National Bank	Washington	DC	01/04/1999	Satisfactory	Small Bank
17629	Mellon Bank (DE) National Association	Wilmington	DE	12/03/1997	Satisfactory	Large Bank
20157	TerraBank, N.A.	Miami	FL	12/14/1998	Satisfactory	Small Bank
21162	Guaranty National Bank of Tallahassee	Tallahassee	FL	11/30/1998	Satisfactory	Small Bank
21873	First National Bank of Baldwin County	Milledgville	GA	02/09/1999	Satisfactory	Small Bank
20939	Union National Bank	Anita	IA	02/08/1999	Satisfactory	Small Bank
5316	First National Bank of Assumption	Assumption	IL	01/05/1999	Satisfactory	Small Bank
14942	Harris Bank Aurora, N.A.	Aurora	IL	09/08/1998	Satisfactory	Large Bank
11283	Harris Bank Barrington, N.A.	Barrington	IL	08/11/1998	Satisfactory	Large Bank
4646	Harris Bank Batavia, N.A.	Batavia	IL	09/14/1998	Satisfactory	Large Bank
23261	Castle Bank Harvard, N.A.	Harvard	IL	01/25/1999	Satisfactory	Small Bank
12373	The First National Bank of Jonesboro	Jonesboro	IL	01/19/1999	Satisfactory	Small Bank
3962	First National Bank of Litchfield	Litchfield	IL	12/08/1998	Satisfactory	Small Bank
14436	First National Bank of Nokomis	Nokomis	IL	11/22/1995	Satisfactory	Small Bank
14494	Harris Bank of Palatine, N.A.	Palatine	IL	08/10/1998	Satisfactory	Large Bank
23233	Damen National Bank	Schaumburg	IL	11/30/1998	Satisfactory	Small Bank
16176	Harris Bank Wilmette, N.A.	Wilmette	IL	08/20/1998	Satisfactory	Large Bank
5629	FCN Bank, N.A.	Brookville	IN	01/04/1999	Satisfactory	Small Bank
21389	Community National Bank	Chanute	KS	01/04/1999	Satisfactory	Small Bank
3345	Peoples National Bank	Clay Center	KS	01/04/1999	Satisfactory	Small Bank
7178	The First National Bank of Clifton	Clifton	KS	01/04/1999	Satisfactory	Small Bank
7911	Marion National Bank	Marion	KS	01/13/1999	Satisfactory	Small Bank
10575	The First National Bank	Medicine Lodge	KS	01/25/1999	Satisfactory	Small Bank
4090	The State National Bank of Frankfort	Frankfort	KY	01/25/1999	Satisfactory	Small Bank
1413	First National Bank of Maryland	Baltimore	MD	10/26/1998	Satisfactory	Large Bank
23430	Maryland Bank and Trust Company, N.A.	Lexington Park	MD	09/30/1998	Satisfactory	Small Bank
23240	Mellon Bank (MD) National Association	Rockville	MD	12/31/1997	Satisfactory	Large Bank
17748	West Michigan National Bank & Trust	Frankfort	MI	11/23/1998	Satisfactory	Small Bank
6803	The First National Bank of Aitkin	Aitkin	MN	01/04/1999	Satisfactory	Small Bank
11687	First National Bank of Fatminton	Farmington	MN	01/04/1999	Satisfactory	Small Bank
7772	First National Bank	Hawley	MN	01/25/1999	Satisfactory	Small Bank
22973	BNC National Bank of Minnesota	Minneapolis	MN	01/04/1999	Satisfactory	Small Bank
6837	First National Bank of Osakis	Oasakis	MN	01/04/1999	Satisfactory	Small Bank
3982	The First National Bank and Trust	Pipestone	MN	06/09/1989	Satisfactory	Small Bank
13504	First National Bank of Mount Vernon	Mount Vernon	MO	01/25/1999	Satisfactory	Small Bank
21156	BankWest, N.A.	Kalispell	MT	01/04/1999	Satisfactory	Small Bank
15088	Community National Bank	Grand Forks	ND	01/04/1999	Satisfactory	Small Bank
22233	Enterprise Bank, N.A.	Omaha	NE	06/08/1998	Satisfactory	Small Bank
8811	The First National Bank of Utica	Utica	NE	01/06/1999	Satisfactory	Small Bank
13855	The National Bank of Sussex County	Branchville	NJ	09/30/1998	Satisfactory	Small Bank
14636	First National Bank in Las Vegas	Las Vegas	NM	01/11/1999	Satisfactory	Small Bank
981	Stissing National Bank	Pine Plains	NY	12/16/1998	Satisfactory	Small Bank
2602	The National Bank of Stamford	Stamford	NY	01/19/1999	Satisfactory	Small Bank
7115	First N. B. & Trust Co. of Broken Arrow	Broken Arrow	OK	11/30/1998	Satisfactory	Small Bank
23049	Great Plains National Bank	Elk City	OK	02/19/1999	Outstanding	Small Bank
12134	McClain County National Bank	Purcell	OK	01/04/1999	Satisfactory	Small Bank
8861	Waurika National Bank	Waurika	OK	01/04/1999	Satisfactory	Small Bank
3147	The National Bank of Malvern	Malvern	PA	11/16/1998	Satisfactory	Small Bank
6301	Mellon Bank, N.A.	Pittsburgh	PA	11/26/1997	Outstanding	Large Bank
2366	The Quakertown National Bank	Quakertown	PA	12/21/1998	Satisfactory	Large Bank
8845	Grange National Bank	Tunkhannock	PA	01/04/1999	Satisfactory	Small Bank
21037	The Peoples National Bank	Easley	SC	09/30/1998	Satisfactory	Small Bank
15372	Western National Bank	Amarillo	TX	12/07/1998	Satisfactory	Small Bank
17513	Hartland Bank, N.A.	Austin	TX	01/11/1999	Satisfactory	Small Bank
4866	Commercial National Bank	Beeville	TX	12/14/1998	Satisfactory	Small Bank
8573	The Commercial National Bank of Brady	Brady	TX	12/31/1998	Outstanding	Small Bank
18148	Texas Premier Bank, N.A.	Brookshire	TX	11/13/1998	Satisfactory	Small Bank
8891	The First National Bank of Canton	Canton	TX	01/04/1999	Satisfactory	Small Bank
18558	Texas First National Bank	Houston	TX	11/23/1998	Satisfactory	Small Bank
14886	First National Bank of Jasper	Jasper	TX	10/13/1998	Satisfactory	Small Bank
14330	Junction National Bank	Junction	TX	01/11/1999	Satisfactory	Small Bank
22792	Plaza Bank, N.A.	San Antonio	TX	01/19/1999	Satisfactory	Small Bank
9813	First National Bank of Sterling City	Sterling City	TX	01/10/1999	Satisfactory	Small Bank
16883	City National Bank	Weslaco	TX	12/21/1998	Satisfactory	Small Bank
22668	Community National Bank	Pulaski	VA	11/23/1998	Satisfactory	Small Bank
3080	The Factory Point National Bank	Manchester Center	VT	01/04/1999	Satisfactory	Small Bank
23224	Yakima National Bank	Yakima	WA	02/01/1999	Satisfactory	Small Bank
15738	Tri City National Bank	Oak Creek	WI	01/19/1999	Satisfactory	Large Bank
14198	Citizens National Bank of Berkeley Springs	Berkeley Springs	WV	09/30/1998	Satisfactory	Small Bank
23594	Wyoming Bank & Trust Co., N.A.	Buffalo	WY	01/19/1999	Satisfactory	Small Bank
10844	Bank of Lovell, N.A.	Lovell	WY	01/11/1999	Satisfactory	Small Bank