CRA Performance Evaluations: January 2004

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
24049	Canyon Community Bank, N.A.	Tucson	AZ	10/14/2003	Satisfactory	Small Bank
22511	Mt. Diablo National Bank	Danville	CA	08/11/2003	Satisfactory	Large Bank
497	The First National Bank of Suffield	Suffield	CT	09/15/2003	Satisfactory	Small Bank
12636	The First National Bank in Creston	Creston	IA	07/30/2003	Outstanding	Small Bank
10729	The First National Bank of Rembrandt	Rembrandt	IA	08/14/2003	Satisfactory	Small Bank
14244	First National Bank of Amboy	Amboy	IL	09/02/2003	Satisfactory	Small Bank
18458	First National Bank of Elkhart	Elkhart	KS	10/27/2003	Outstanding	Small Bank
6149	The First National Bank of LeRoy	LeRoy	KS	10/24/2003	Satisfactory	Small Bank
6720	The First National Bank of Liberal	Liberal	KS	10/27/2003	Satisfactory	Small Bank
8114	The First National Bank of Syracuse	Syracuse	KS	10/27/2003	Outstanding	Small Bank
3886	The First National Bank of St. Ignace	St. Ignace	MI	09/15/2003	Satisfactory	Small Bank
24302	Merchants Bank, N.A.	Hampton	MN	09/08/2003	Satisfactory	Small Bank
14949	Franklin National Bank of Minneapolis	Minneapolis	MN	09/12/2003	Outstanding	Small Bank
15214	Lakewood Bank, N.A.	Nisswa	MN	09/04/2003	Satisfactory	Small Bank
14532	First National Bank of Clinton	Clinton	MO	10/07/2003	Outstanding	Small Bank
23530	First National Bank	Mountain View	MO	08/14/2003	Satisfactory	Small Bank
13722	Britton &Koontz First National Bank	Natchez	MS	05/13/2003	Satisfactory	Large Bank
7905	The Farmers &Merchants N. B. of Hatton	Hatton	ND	10/27/2003	Satisfactory	Small Bank
22849	Nebraska National Bank	Kearney	NE	11/03/2003	Satisfactory	Small Bank
22675	Household Bank (SB), N.A.	Las Vegas	NV	04/30/2001	Satisfactory	Strategic Plan
4230	The Suffolk Co. National Bank of Riverhead	Riverhead	NY	09/29/2003	Outstanding	Large Bank
14203	The First National Bank of Oak Harbor	Oak Harbor	OH	05/27/2003	Satisfactory	Small Bank
8921	The Luzerne National Bank	Luzerne	PA	09/02/2003	Satisfactory	Small Bank
16971	Citibank (South Dakota), N.A.	Sioux Falls	SD	05/05/2003	Outstanding	Limited Purpose Bank
24281	Citibank USA, N.A.	Sioux Falls	SD	05/05/2003	Satisfactory	Limited Purpose Bank
11415	The First National Bank of Brownfield	Brownfield	TX	10/20/2003	Satisfactory	Small Bank
4246	The Commanche National Bank	Comanche	TX	10/2/2003	Outstanding	Small Bank
4684	First National Bank of Crockett	Crockett	TX	09/24/2003	Satisfactory	Small Bank
5750	First National Bank Texas	Killeen	TX	10/14/2003	Satisfactory	Large Bank
16686	South Texas National Bank of Laredo	Laredo	TX	09/03/2003	Satisfactory	Large Bank
16617	American National Bank	Wichita Falls	TX	10/22/2003	Satisfactory	Small Bank
15247	Grundy National Bank	Grundy	VA	09/20/2003	Satisfactory	Small Bank
10489	The First National Bank of Park Falls	Park Falls	WI	10/06/2003	Outstanding	Small Bank