Date:



I have reviewed the voluntary charge-offs of consumer loans made since the
last examination. Had the bank been under examination on those dates, I
would have directed them to charge-off the following installment loans:

Loans Delinquent 120 Days or More

                              Date       Past
Account                       of Last    Due       Date
Number     Name    Balance    Payment    Status    C/O    


























           __________
Sub Total  __________


CC-1427-OX
Rev. 7-83


Loans Delinquent 90 to 120 Days


                              Date       Past
Account                       of Last    Due       Date
Number     Name    Balance    Payment    Status    C/O    Reason for C/O




























           __________
Sub Total  __________
    Total  __________



______________________
National Bank Examiner





CC-1427-OX
Rev. 7-83