CRA Performance Evaluations: May 1999

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
15535	First National Bank of Central Alabama	Aliceville	AL	01/18/1999	Satisfactory	Small Bank
10697	The First National Bank of Atmore	Atmore	AL	02/01/1999	Satisfactory	Small Bank
14553	Valley National Bank	Lanett	AL	02/01/1999	Satisfactory	Small Bank
14429	Helena National Bank	Helena	AR	01/11/1999	Satisfactory	Small Bank
23109	Temecula Valley Bank N.A.	Temecula	CA	01/19/1999	Satisfactory	Small Bank
20454	First National Bank of Central Florida	Longwood	FL	02/01/1999	Satisfactory	Small Bank
23519	Tarpon Coast National Bank	Port Charlotte	FL	03/01/1999	Satisfactory	Small Bank
18582	Indian River National Bank	Vero Beach	FL	02/10/1998	Satisfactory	Small Bank
21842	Community National Bank of Pasco County	Zephyrhills	FL	01/27/1999	Satisfactory	Small Bank
22152	The Savannah Bank, N.A.	Savannah	GA	01/11/1999	Satisfactory	Small Bank
23302	Algonquin State Bank, N.A.	Algonquin	IL	01/19/1999	Satisfactory	Small Bank
18356	National Bank of Commerce	Berkeley	IL	01/26/1999	Satisfactory	Small Bank
16643	Bank Champaign, N.A.	Champaign	IL	01/04/1999	Satisfactory	Small Bank
7712	First National Bank	Grand Tower	IL	02/08/1999	Satisfactory	Small Bank
14717	First National Bank	Moline	IL	02/16/1999	Satisfactory	Small Bank
14458	Farmers-Merchants National Bank of Paxton	Paxton	IL	02/24/1998	Outstanding	Small Bank
23393	First Robinson Savings Bank, N.A.	Robinson	IL	02/16/1999	Satisfactory	Small Bank
14434	Tuscola National Bank	Tuscola	IL	02/01/1999	Satisfactory	Small Bank
14259	First National Bank of Clinton	Clinton	KY	01/25/1999	Outstanding	Small Bank
8905	Salyersville National Bank	Salyersville	KY	12/31/1998	Satisfactory	Small Bank
16660	Michigan National Bank	Farmington Hills	MI	10/05/1998	Satisfactory	Large Bank
15214	Lakewood Bank, N.A.	Baxter	MN	02/22/1999	Satisfactory	Small Bank
15161	Peoples National Bank of Mora	Mora	MN	02/01/1999	Satisfactory	Small Bank
2073	First National Bank of Northfield	Northfield	MN	01/27/1999	Satisfactory	Small Bank
22981	Woodlands National Bank	Onamia	MN	01/26/1998	Satisfactory	Small Bank
3656	National Bank of Commerce	Starkville	MS	10/05/1998	Satisfactory	Large Bank
3903	First Charter National Bank	Concord	NC	12/04/1998	Satisfactory	Large Bank
976	The Putnam County National Bank	Carmel	NY	02/17/1999	Satisfactory	Small Bank
11897	The Citizens National Bank of Malone	Malone	NY	01/11/1999	Satisfactory	Small Bank
1461	Citibank, N.A.	New York	NY	10/26/1998	Satisfactory	Large Bank
13912	National Bank of Montpelier	Montpelier	OH	12/31/1998	Satisfactory	Small Bank
13596	Peoples National Bank	New Lexington	OH	02/08/1999	Satisfactory	Small Bank
9179	The Park National Bank	Newark	OH	11/02/1998	Satisfactory	Large Bank
5955	The First National Bank of Chelsea	Chelsea	OK	02/08/1999	Satisfactory	Small Bank
568	The First National Bank of Berwick	Berwick	PA	02/01/1999	Satisfactory	Small Bank
22969	Carolina Community Bank, N.A.	Latta	SC	12/31/1998	Satisfactory	Small Bank
3032	First American National Bank	Nashville	TN	07/06/1998	Satisfactory	Large Bank
3248	First National Bank of Albany/Breckenridge	Albany	TX	02/01/1999	Satisfactory	Small Bank
18188	Summit Community Bank N.A.	Fort Worth	TX	12/31/1998	Satisfactory	Small Bank
16422	Summit National Bank	Fort Worth	TX	01/05/1999	Satisfactory	Small Bank
8899	Moody National Bank	Galveston	TX	01/25/1999	Satisfactory	Large Bank
18660	Security Bank, N.A.	Garland	TX	02/08/1999	Satisfactory	Small Bank
18641	Katy Bank, N.A.	Katy	TX	01/05/1999	Satisfactory	Small Bank
16127	NBC Bank - Laredo, N.A.	Laredo	TX	02/01/1999	Satisfactory	Small Bank
4076	The First National Bank of McGregor	McGregor	TX	02/11/1999	Satisfactory	Small Bank
14371	Commercial Bank of Texas, N.A.	Nacogdoches	TX	02/01/1999	Satisfactory	Small Bank
8094	The First National Bank of Stanton	Stanton	TX	02/09/1999	Satisfactory	Small Bank
15076	First National Bank of Pinedale	Pinedale	WY	02/01/1999	Satisfactory	Small Bank