CRA Performance Evaluations: March 2003

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
13693	First National Bank in Mena	Mena	AR	12/02/2002	Satisfactory	Small Bank
17949	Northern Trust Bank, N.A.	Phoenix	AZ	05/20/2002	Satisfactory	Strategic Plan
22311	First National Bank of Polk County	Winter Haven	FL	11/18/2002	Satisfactory	Small Bank
23726	Belk National Bank	Lawrenceville	GA	05/06/2002	Satisfactory	Limited Purpose Bank
16275	Fidelity National Bank	Norcross	GA	06/03/2002	Satisfactory	Large Bank
11076	The Farmers National Bank of Buhl	Buhl	ID	11/18/2002	Satisfactory	Small Bank
14435	Citizens National Bank of Albion	Aibion	IL	10/29/2003	Satisfactory	Small Bank
13838	MidAmerica National Bank	Canton	IL	12/09/2002	Satisfactory	Small Bank
6684	The First National Bank of Grand Ridge	Grand Ridge	IL	12/23/2002	Satisfactory	Small Bank
10045	First Mid-Illinois Bank & Trust, N.A.	Mattoon	IL	04/16/2002	Satisfactory	Large Bank
3543	The First NB & Trust Co. of Junction City Ks.	Junction City	KS	11/04/2002	Satisfactory	Small Bank
3509	Citizens Bank of Kansas, N.A.	Kingman	KS	12/05/2002	Satisfactory	Small Bank
4945	UMB National Bank of America	Salina	KS	07/22/2002	Satisfactory	Large Bank
4013	The Lenox National Bank	Lenox	MA	11/12/2002	Satisfactory	Small Bank
2498	The National Bank of Cambridge	Cambridge	MD	10/28/2002	Satisfactory	Small Bank
14740	First National Bank of America	East Lansing	MI	04/24/2002	Satisfactory	Large Bank
13095	Bank Midwest, Minnesota Iowa, N.A.	Fairmont	MN	01/16/2003	Satisfactory	Small Bank
9050	The First National Bank of Milaca	Milaca	MN	12/09/2002	Satisfactory	Small Bank
12608	First National Bank of Lewistown	Lewistown	MT	01/06/2003	Satisfactory	Small Bank
5384	The Fullerton National Bank	Fullerton	NE	12/16/2002	Satisfactory	Small Bank
5282	The First National Bank of Newman Grove	Newman Grove	NE	01/13/2003	Satisfactory	Small Bank
15623	First National Bank	Schuyler	NE	01/21/2003	Satisfactory	Small Bank
12141	The First National Bank of Fletcher	Fletcher	OK	12/02/2002	Satisfactory	Small Bank
5052	First National Bank & Trust Co. of McAlester	McAlester	OK	11/04/2002	Outstanding	Large Bank
1516	Union National Community Bank	Mount Joy	PA	10/17/2002	Satisfactory	Large Bank
1316	PNC Bank, N.A.	Pittsburgh	PA	04/15/2002	Outstanding	Large Bank
6185	The Roberts County N. B. of Sisseton	Sisseton	SD	12/02/2003	Needs to Improve	Small Bank
14905	First National Bank of Alvin	Alvin	TX	12/02/2002	Satisfactory	Small Bank
14273	Citizens National Bank of Brownwood	Brownwood	TX	12/02/2002	Satisfactory	Small Bank
17611	Lone Star National Bank	Pharr	TX	12/02/2002	Outstanding	Small Bank
2725	The First National Bank and Trust Company	Beloit	WI	10/07/2002	Satisfactory	Large Bank
14058	First National Bank in Viroqua	Viroqua	WI	07/03/2002	Outstanding	Small Bank
13881	First National Bank in West Union	West Union	WV	11/25/2002	Satisfactory	Small Bank