CRA Performance Evaluations: May 2004

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
9855	First Southern National Bank	Stevenson	AL	02/09/2004	Satisfactory	Small Bank
18373	The First National Bank	Ashdown	AR	12/16/2003	Satisfactory	Small Bank
13543	The First National Bank in Green Forest	Green Forest	AR	12/04/2003	Satisfactory	Small Bank
24333	First National Bank in Mount Ida	Mt. Ida	AR	12/02/2003	Satisfactory	Small Bank
23925	California First National Bank	Irvine	CA	02/23/2004	Satisfactory	Wholesale Bank
23905	UMB Bank Colorado, N.A.	Denver	CO	10/20/2003	Satisfactory	Large Bank
16804	Commercebank, N.A.	Coral Gables	FL	12/23/2003	Outstanding	Large Bank
20613	Ocala National Bank	Ocala	FL	10/28/2003	Satisfactory	Small Bank
23416	Citizens &Peoples Bank, N.A.	Pensacola	FL	01/05/2004	Satisfactory	Large Bank
23349	Liberty National Bank	Conyers	GA	02/18/2004	Satisfactory	Small Bank
18584	First Security National Bank	Norcross	GA	01/05/2004	Satisfactory	Small Bank
14255	Citizens National Bank of Quitman	Quitman	GA	02/02/2004	Satisfactory	Small Bank
22123	Lee County Bank & Trust, N.A.	Fort Madison	IA	01/28/2004	Satisfactory	Small Bank
5525	Anna National Bank	Anna	IL	12/03/2003	Satisfactory	Small Bank
14347	Cornerstone Bank & Trust, N.A.	Carrolton	IL	12/04/2003	Satisfactory	Small Bank
16593	Columbia National Bank	Columbia	IL	08/26/2003	Satisfactory	Small Bank
14492	Mason City National Bank	Mason City	IL	02/16/2004	Satisfactory	Small Bank
9408	The Peoples NB of McLeansboro	McLeansboro	IL	12/31/2003	Satisfactory	Large Bank
15389	Community National Bank in Monmouth	Monmouth	IL	01/26/2004	Satisfactory	Small Bank
7379	The First National Bank	Mulberry Grove	IL	01/12/2004	Satisfactory	Small Bank
5304	The First National Bank of Ogden	Ogden	IL	01/05/2004	Satisfactory	Small Bank
13650	Security National Bank	Witt	IL	09/08/2003	Satisfactory	Small Bank
24167	Bank of Evansville, N.A.	Evansville	IN	03/10/2004	Satisfactory	Small Bank
2234	First Merchants Bank, N.A.	Muncie	IN	10/27/2003	Satisfactory	Large Bank
7180	The First National Bank of Portland	Portland	IN	10/27/2003	Satisfactory	Large Bank
13891	Home National Bank	Arkansas City	KS	12/31/2003	Satisfactory	Large Bank
8145	The First National Bank of Independence	Independence	KS	11/17/2003	Satisfactory	Small Bank
12982	The First National Bank of Grayson	Grayson	KY	01/26/2004	Satisfactory	Small Bank
14894	Fort Knox National Bank	Radcliff	KY	02/17/2004	Satisfactory	Small Bank
22928	Farmers National Bank	Walton	KY	03/01/2004	Satisfactory	Small Bank
20184	Citizens National Bank, N.A.	Bossier City	LA	02/23/2004	Satisfactory	Small Bank
23430	Maryland Bank and Trust Company, N.A.	Waldorf	MD	01/19/2004	Outstanding	Small Bank
15817	Thumb National Bank & Trust Co.	Pigeon	MI	01/05/2004	Satisfactory	Small Bank
16871	First National Bank of the North	Sandstone	MN	10/08/2004	Satisfactory	Small Bank
8407	The First National Bank of Cainseville	Cainsville	MO	11/17/2003	Outstanding	Small Bank
17591	Metropolitan National Bank	Springfield	MO	02/27/2004	Satisfactory	Large Bank
8521	The First National Bank of Gordon	Gordon	NE	11/12/2003	Outstanding	Small Bank
14240	Newfield National Bank	Newfield	NJ	10/27/2003	Satisfactory	Large Bank
15395	Valley National Bank	Espanola	NM	02/24/2004	Satisfactory	Small Bank
8348	Portales National Bank	Portales	NM	02/17/2004	Satisfactory	Small Bank
1461	Citibank, N.A.	New York	NY	06/09/2003	Outstanding	Large Bank
8153	Tupper Lake National Bank	Tupper Lake	NY	12/29/2003	Satisfactory	Small Bank
1264	The National Bank of Vernon	Vernon	NY	02/18/2004	Satisfactory	Small Bank
23264	Liberty Bank, N.A.	Twinsburg	OH	03/17/2003	Satisfactory	Small Bank
14546	The Fort Sill National Bank	Fort Sill	OK	02/23/2004	Outstanding	Small Bank
12095	Stroud National Bank	Stroud	OK	02/27/2004	Satisfactory	Small Bank
2137	National Penn Bank	Boyertown	PA	11/17/2003	Satisfactory	Large Bank
423	The First National Bank of Minersville	Minersville	PA	03/08/2004	Satisfactory	Small Bank
10536	The Conway National Bank	Conway	SC	01/26/2004	Outstanding	Large Bank
5528	The First National Bank of Manchester	Manchester	TN	01/26/2004	Satisfactory	Small Bank
4020	The Traders National Bank of Tullahoma	Tullahoma	TN	01/07/2004	Satisfactory	Small Bank
8731	The First National Bank of Bridgeport	Bridgeport	TX	02/23/2004	Satisfactory	Small Bank
8787	The First National Bank of Byers	Byers	TX	01/12/2004	Satisfactory	Small Bank
4701	The National Bank of Daingerfield	Daingerfield	TX	01/21/2004	Satisfactory	Small Bank
20415	Bank of Desoto National Association	Desoto	TX	02/05/2004	Satisfactory	Small Bank
23521	American First National Bank	Houston	TX	01/20/2004	Satisfactory	Small Bank
24116	American Bank, N.A.	Keller	TX	03/08/2004	Satisfactory	Small Bank
5674	First National Bank of Winnsboro	Winnsboro	TX	02/17/2004	Satisfactory	Small Bank
7685	The First National Bank of Layton	Layton	UT	02/09/2004	Satisfactory	Small Bank
23695	Associated Bank, N.A.	Green Bay	WI	11/10/2003	Satisfactory	Large Bank
14198	Citizens National Bank of Berkeley Springs	Berkeley Springs	WV	01/05/2004	Satisfactory	Small Bank
5413	The Rawlins National Bank	Rawlins	WY	03/08/2004	Satisfactory	Small Bank