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CRA Performance Evaluations: April 2003

Charter# Bank Name City State Eval Date Rating Examination
8963 The First National Bank of Scottsboro Scottsboro AL 1/21/03 Satisfactory Large Bank
23896 Alabama Trust Bank, N.A. Sylacauga AL 12/2/02 Satisfactory Small Bank
18595 Cupertino National Bank & Trust Cupertino CA 9/23/02 Satisfactory Large Bank
23470 J. P. Morgan Trust Company, N.A. Los Angeles CA 11/4/02 Outstanding Wholesale Bank
22413 U.S. Trust Company, N.A. Los Angeles CA 10/15/02 Outstanding Wholesale Bank
17315 San Jose National Bank San Jose CA 9/23/02 Satisfactory Large Bank
24034 Mission Oaks National Bank Temecula CA 1/7/03 Satisfactory Small Bank
20496 CNB National Bank Jacksonville FL 12/2/02 Satisfactory Large Bank
23970 First National Bank of Gwinnett Duluth GA 12/16/02 Satisfactory Small Bank
8725 Okey-Vernon First National Bank Corning IA 1/6/03 Satisfactory Small Bank
24328 Western Bank & Trust, N.A. Moville IA 1/2/03 Satisfactory Small Bank
12998 First National Bank in New Hampton New Hampton IA 10/17/02 Outstanding Small Bank
8293 The First National Bank of Allendale Allendale IL 1/29/03 Satisfactory Small Bank
23158 Chester National Bank Chester il 12/16/02 Satisfactory Small Bank
3777 First National Bank Abilene KS 1/6/03 Outstanding Large Bank
3779 First National Bank in Belleville Belleville KS 12/31/02 Satisfactory Small Bank
23966 National Family Bank Munden KS 11/25/02 Outstanding Small Bank
7844 The St. John National Bank St. John KS 1/13/03 Satisfactory Small Bank
23092 Citizens Commerce National Bank Versailles KY 12/11/01 Satisfactory Small Bank
5582 The First National Bank of Bemidji Bemidji MN 10/21/02 Satisfactory Large Bank
8051 The First National Bank of Cold Spring Cold Spring MN 1/21/03 Outstanding Small Bank
14531 Crookston National Bank Crookston MN 2/10/03 Satisfactory Small Bank
8757 The First National Bank of Elk River Elk River MN 9/3/02 Satisfactory Large Bank
15037 American Heritage National Bank Long Prairie MN 1/6/03 Satisfactory Small Bank
13692 The Citizens N. B. of Park Rapids Park Rapids MN 1/17/03 Satisfactory Small Bank
24048 The Lake Bank, N.A. Two Harbors MN 11/4/02 Satisfactory Small Bank
23159 Chester National Bank of Missouri Perryville MO 12/16/02 Satisfactory Small Bank
18178 Copiah Bank, N.A. Hazlehurst MS 12/2/02 Satisfactory Small Bank
7266 The Citizens National Bank of Meridian Meridian MS 7/1/02 Satisfactory Large Bank
11382 The First National Bank of Ekalaka Ekalaka MT 1/27/03 Satisfactory Small Bank
3628 The Carson National Bank of Auburn Auburn NE 1/27/03 Satisfactory Small Bank
2848 Fremont National Bank and Trust Company Fremont NE 6/3/02 Outstanding Large Bank
15379 Security National Bank of Omaha Omaha NE 5/13/02 Satisfactory Large Bank
13415 The State National Bank and Trust Company Wayne NE 1/22/03 Satisfactory Small Bank
20291 First National Bank ofd Marin Las Vegas NV 5/20/02 Satisfactory Limited Purpose Bank
8531 Community Bank, N.A. Canton NY 10/7/02 Satisfactory Large Bank
9536 Kingston National Bank Kingston OH 1/6/03 Satisfactory Small Bank
11383 The First National Bank of Sycamore Sycamore OH 7/29/02 Satisfactory Small Bank
12169 First Bethany Bank & Trust, N.A. Bethany OK 1/20/03 Satisfactory Small Bank
5784 Community Bank, N.A. Carmichaels PA 8/11/02 Satisfactory Small Bank
31 Omega Bank, N.A. State College PA 6/17/02 Satisfactory Large Bank
10476 The First National Bank of Linden Linden TX 1/6/03 Satisfactory Small Bank
24185 West Texas National Bank Midland TX 1/22/03 Satisfactory Small Bank
12734 The City National Bank of Mineral Wells Mineral Wells TX 1/21/03 Satisfactory Small Bank
22583 Citizens Bank of Texas, N.A. New Waverly TX 1/7/03 Satisfactory Small Bank
23903 Smith River Community Bank, N.A. Martinsville VA 1/6/03 Satisfactory Small Bank
12124 First National Bank of Eagle River Eagle River WI 12/19/02 Satisfactory Small Bank
14570 First National Bank - West Evanston WY 2/3/03 Satisfactory Small Bank