CRA Performance Evaluations: March 2000

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
23126	Northwest National Bank	Gravette	AR	11/18/1999	Satisfactory	Small Bank
17129	First National Bank	San Diego	CA	11/15/1999	Outstanding	Large Bank
22770	Neighborhood National Bank	San Diego	CA	12/13/1999	Outstanding	Small Bank
23222	Coast National Bank	San Luis Obispo	CA	09/13/1999	Satisfactory	Small Bank
23664	Westport National Bank	Westport	CT	12/06/1999	Satisfactory	Small Bank
15572	First National Bank of Griffin	Griffin	GA	07/06/1999	Satisfactory	Small Bank
23574	Crystal Lake Bank & Trust Company. N.A.	Crystal Lake	IL	12/17/1999	Satisfactory	Small Bank
23418	Covest Banc, N.A.	Des Plaines	IL	10/25/1999	Satisfactory	Large Bank
14512	First National Bank of Illinois	Lansing	IL	11/15/1999	Satisfactory	Large Bank
15038	DuPage National Bank	West Chicago	IL	10/25/1999	Satisfactory	Small Bank
22010	Peoples Bank, N.A.	Coldwater	KS	10/12/1999	Satisfactory	Small Bank
22473	MCFC National Bank	Lenexa	KS	10/12/1999	Outstanding	Limited Purpose Bank
3601	First National Bank and Trust	Phillipsburg	KS	11/15/1999	Outstanding	Small Bank
2782	INTRUST Bank, N.A.	Wichita	KS	10/25/1999	Satisfactory	Large Bank
4271	Farmers National Bank	Lebanon	KY	11/15/1999	Satisfactory	Small Bank
13023	Citizens National Bank of Paintsville	Paintsville	KY	12/20/1999	Satisfactory	Small Bank
14144	First National Bank in Howell	Howell	MI	11/15/1999	Outstanding	Small Bank
14311	The Oakley National Bank of Buffalo	Buffalo	MN	11/15/1999	Satisfactory	Small Bank
23180	Douglass National Bank	Kansas City	MO	10/25/1999	Outstanding	Small Bank
8881	The First National Bank of McClusky	McClusky	ND	11/29/1999	Satisfactory	Small Bank
23188	UMB Bank Omaha, N.A.	Omaha	NE	10/12/1999	Satisfactory	Large Bank
14308	The Farmers &Merchants NB of West Point	West Point	NE	12/06/1999	Satisfactory	Small Bank
23097	DSRM National Bank	Albuquerque	NM	11/01/1999	Satisfactory	Limited Purpose Bank
10374	Rewood National Bank	Alexandria Bay	NY	12/06/1999	Satisfactory	Small Bank
35	Premier National Bank	LaGrangeville	NY	11/15/1999	Satisfactory	Large Bank
12810	Savannah Bank, N.A.	Savannah	NY	09/28/1999	Satisfactory	Small Bank
14680	First National Bank of Scotia	Scotia	NY	08/30/1999	Satisfactory	Small Bank
11275	The Citizens National Bank of Norwalk	Norwalk	OH	11/08/1999	Satisfactory	Small Bank
10239	The State National Bank of Heavener	Heavener	OK	09/30/1999	Satisfactory	Small Bank
17045	First Fidelity Bank, N.A.	Oklahoma City	OK	11/22/1999	Satisfactory	Large Bank
21688	First Consumers National Bank	Beaverton	OR	11/01/1999	Satisfactory	Limited Purpose Bank
17721	Bernville Bank, N.A.	Bernville	PA	10/25/1999	Satisfactory	Small Bank
18104	Main Street National Bank	Cleveland	TX	11/01/1999	Satisfactory	Small Bank
18646	Community National Bank	Detroit	TX	11/16/1999	Satisfactory	Small Bank
23521	American First National Bank	Houston	TX	10/12/1999	Satisfactory	Small Bank
17003	Marble Falls National Bank	Marble Falls	TX	12/13/1999	Outstanding	Small Bank
23681	First National Bank of Midland	Midland	TX	11/29/1999	Satisfactory	Small Bank
11706	The First National Bank of Quitaque	Quitaque	TX	11/15/1999	Satisfactory	Small Bank
11019	First National Bank of Tom Bean	Tom Bean	TX	11/29/1999	Satisfactory	Small Bank
2477	First National Bank of Weatherford	Weatherford	TX	11/01/1999	Satisfactory	Small Bank
2597	First Security Bank, N.A.	Salt Lake City	UT	05/03/1999	Outstanding	Large Bank
23616	Virginia National Bank	Charlottesville	VA	11/29/1999	Satisfactory	Small Bank