CRA Performance Evaluations: December 2003

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
23558	Commerce Bank/Delaware, N.A.	Wilmington	DE	03/31/2003	Outstanding	Large Bank
22626	SunTrust BankCard, N.A.	Orlando	Fl	10/16/2003	Satisfactory	Large Bank
15579	First National Bank of Muscatine	Muscatine	IA	08/13/2003	Satisfactory	Large Bank
14268	The First National Bank in Carlyle	Carlyle	IL	08/04/2003	Satisfactory	Small Bank
4934	The First National Bank of Carmi	Carmi	IL	06/17/2003	Satisfactory	Small Bank
9784	The First National Bank of Monterey	Monterey	IN	08/04/2003	Satisfactory	Small Bank
6767	The Coldwater National Bank	Coldwater	KS	08/18/2003	Needs to Improve	Small Bank
16286	First National Bank	Derby	KS	10/06/2003	Satisfactory	Small Bank
24080	Community First National Bank	Manhattan	KS	04/21/2003	Satisfactory	Small Bank
4090	The State National Bank of Frankfort	Frankfort	KY	04/16/2003	Satisfactory	Large Bank
2927	First National Bank & Trust Company	Georgetown	KY	04/04/2003	Satisfactory	Large Bank
22246	Whitaker Bank, N.A.	Lexington	KY	05/13/2003	Satisfactory	Large Bank
18433	Morehead National Bank	Morehead	KY	04/16/2003	Satisfactory	Large Bank
23850	Capital Bank, N.A.	Rockville	MD	09/29/2003	Satisfactory	Small Bank
11305	The First National Bank of Wakefield	Wakefield	MI	08/11/2003	Satisfactory	Small Bank
24223	Neighborhood National Bank	Alexandria	MN	08/11/2003	Satisfactory	Small Bank
3959	The First National Bank of Nevada, Missouri	Nevada	MO	09/02/2003	Satisfactory	Small Bank
9865	The First National Bank of Oxford	Oxford	MS	09/15/2003	Satisfactory	Small Bank
14592	First National Bank of Picayune	Picayune	MS	09/02/2003	Outstanding	Small Bank
8992	The First National Bank of Ainsworth	Ainsworth	NE	09/02/2003	Satisfactory	Small Bank
8328	First N.B. & Trust Co. of Columbus	Columbus	NE	07/21/2003	Satisfactory	Large Bank
6221	First National Bank Northeast	Lyons	NE	09/24/2003	Satisfactory	Small Bank
209	First National Bank of Omaha	Omaha	NE	04/29/2003	Satisfactory	Large Bank
17094	Commerce Bank, N.A.	Cherry Hill	NJ	03/31/2003	Outstanding	Large Bank
21863	Commerce Bank/Shore, N.A.	Forked River	NJ	03/31/2003	Satisfactory	Large Bank
20484	Citibank (Nevada), N.A.	Las Vegas	NV	03/31/2003	Outstanding	Limited Purpose Bank
11573	The Citizens National Bank of Bluffton	Bluffton	OH	06/02/2003	Satisfactory	Large Bank
12200	The First National Bank of Calumet	Calumet	OK	10/06/2003	Satisfactory	Small Bank
9330	The First National Bank of Mercersburg	Mercersburg	PA	06/02/2003	Satisfactory	Small Bank
18273	Commerce Bank/Pennsylvania, N.A.	Philadelphia	PA	03/31/2003	Satisfactory	Large Bank
4238	The First National Bank of Beeville	Beeville	TX	09/08/2003	Satisfactory	Small Bank
18302	Texas Community Bank and Trust, N.A.	Dallas	TX	09/29/2003	Satisfactory	Small Bank
13170	First National Bank	Glen Rose	TX	10/06/2003	Satisfactory	Small Bank
22837	Menard National Bank	Menard	TX	09/22/2003	Satisfactory	Small Bank
5409	The First National Bank of Mount Vernon	Mount Vernon	TX	09/15/2003	Satisfactory	Small Bank
21944	Peoples National Bank	Paris	TX	09/15/2003	Satisfactory	Small Bank
17862	First Commercial Bank, N.A.	Seguin	TX	08/25/2003	Satisfactory	Small Bank
24107	Nicolet National Bank	Green Bay	WI	08/25/2003	Outstanding	Small Bank
3724	The First National - Fox Valley	Neenah	WI	07/21/2003	Satisfactory	Small Bank
5226	The First National Bank of St. Marys	St. Marys	WV	10/06/2003	Satisfactory	Small Bank