CRA Performance Evaluations: November 1999

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
16708	Town-Country National Bank	Camden	AL	08/20/1999	Satisfactory	Small Bank
21383	National Bank of Arizona	Tuscon	AZ	05/03/1999	Satisfactory	Large Bank
22413	U.S. Trust Company, N.A.	Los Angeles	CA	07/19/1999	Satisfactory	Wholesale Bank
18095	National American Bank	San Francisco	CA	07/12/1999	Satisfactory	Small Bank
22696	Transamerica Bank, N.A.	New Castle	DE	07/12/1999	Satisfactory	Limited Purpose Bank
23037	The Bank of Delmarva, N.A.	Seaford	DE	07/26/1999	Satisfactory	Small Bank
22381	MBNA America Bank, N.A.	Wilmington	DE	03/29/1999	Outstanding	Limited Purpose Bank
23329	Edison National Bank	Fort Myers	FL	08/09/1999	Satisfactory	Small Bank
20613	Ocala National Bank	Ocala	FL	07/26/1999	Satisfactory	Small Bank
20494	Big Lake National Bank	Okechobee	FL	08/02/1999	Satisfactory	Small Bank
23597	Chattahoochee National Bank	Alpharetta	GA	07/12/1999	Satisfactory	Small Bank
22531	First South Bank, N.A.	Macon	GA	09/13/1999	Satisfactory	Small Bank
21709	First National Bank	St. Mary's	GA	08/16/1999	Satisfactory	Small Bank
14415	Citizens National Bank of Macomb	Macomb	IL	08/23/1999	Satisfactory	Small Bank
12096	The First National Bank of Xenia	Xenia	IL	08/08/1999	Satisfactory	Small Bank
5687	The First National Bank of Hoxie	Hoxie	KS	08/23/1999	Satisfactory	Small Bank
3033	Mid-American Bank & Trust Company, N.A.	Leavenworth	KS	08/02/1999	Satisfactory	Small Bank
6149	The First National Bank of LeRoy	LeRoy	KS	08/30/1999	Satisfactory	Small Bank
1910	Peoples National Bank & Trust	Ottawa	KS	07/19/1999	Satisfactory	Small Bank
3434	The First National Bank of Wamego	Wamego	KS	07/06/1999	Satisfactory	Small Bank
200	BankBoston, N.A.	Boston	MA	03/15/1999	Outstanding	Large Bank
13835	Millbury National Bank	Millbury	MA	07/20/1999	Satisfactory	Small Bank
3948	The First National Bank of Calumet	Calumet	MI	08/23/1999	Satisfactory	Small Bank
8757	The First National Bank of Elk River	Elk River	MN	08/02/1999	Satisfactory	Small Bank
4079	First National Bank of Carrollton	Carrolton	MO	09/13/1999	Satisfactory	Small Bank
7266	Citizens National Bank	Meridian	MS	03/29/1999	Satisfactory	Large Bank
13435	The Farmers &Merchants N. B. of Ashland	Ashland	NE	08/04/1999	Satisfactory	Small Bank
3392	The First National Bank of Wayne	Wayne	NE	07/19/1999	Satisfactory	Small Bank
15790	Valley National Bank	Wayne	NJ	04/19/1999	Satisfactory	Large Bank
20439	Bank of Rio Grande, N.A.	Las Cruces	NM	07/26/1999	Satisfactory	Small Bank
1253	Ballston Spa National Bank	Ballston Spa	NY	03/15/1999	Satisfactory	Small Bank
6487	First National Bank of Dryden	Dryden	NY	07/26/1999	Satisfactory	Small Bank
5259	The Citizens National Bank of McConnelsville	McConnelsville	OH	08/23/1999	Satisfactory	Small Bank
15109	American National Bank	Parma	OH	08/02/1999	Satisfactory	Small Bank
18021	Comerica Bank, N.A.	Toledo	OH	03/08/1999	Outstanding	Limited Purpose Bank
18783	The First Citizens National Bank	Upper Sandusky	OH	08/30/1999	Satisfactory	Small Bank
2479	The Second National Bank of Warren	Warren	OH	06/07/1999	Satisfactory	Large Bank
7278	The First National Bank of Thomas	Thomas	OK	08/16/1999	Satisfactory	Small Bank
4513	Merchants National Bank	Bangor	PA	05/17/1999	Satisfactory	Small Bank
8421	Blue Ball National Bank	Blue Ball	PA	06/07/1999	Satisfactory	Large Bank
22765	Commerce Bank/Harrisburg, N.A.	Camp Hill	PA	07/19/1999	Satisfactory	Small Bank
2515	Ephrata National Bank	Ephrata	PA	07/06/1999	Satisfactory	Large Bank
8393	The Union National Bank of Mount Carmel	Mount Carmel	PA	08/09/1999	Satisfactory	Small Bank
22808	First Community Bank, N.A.	Lexington	SC	08/18/1999	Satisfactory	Small Bank
8731	The First National Bank of Bridgeport	Bridgeport	TX	08/02/1999	Satisfactory	Small Bank
12936	The State National Bank of Caddo Mills	Caddo Mills	TX	07/12/1999	Satisfactory	Small Bank
4410	First National Bank of Giddings	Giddings	TX	09/13/1999	Needs to Improve	Small Bank
6922	The First National Bank of Hughes Springs	Hughes Springs	TX	08/09/1999	Satisfactory	Small Bank
15468	Bayshore National Bank	La Porte	TX	08/03/1999	Satisfactory	Small Bank
22837	Menard National Bank	Menard	TX	08/02/1999	Satisfactory	Small Bank
14447	Broadway National Bank	San Antonio	TX	04/19/1999	Satisfactory	Large Bank
16890	Citizens National Bank	Victoria	TX	08/16/1999	Satisfactory	Small Bank
16814	Twin River National Bank	Clarkston	WA	06/14/1999	Satisfactory	Small Bank
14150	First National Bank in Tigerton	Tigerton	WI	08/09/1999	Satisfactory	Small Bank
13512	McDowell County National Bank	Welch	WV	07/12/1999	Satisfactory	Small Bank
5413	Rawlins National Bank	Rawlins	WY	06/30/1999	Satisfactory	Small Bank