CRA Performance Evaluations: November 2004

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
21206	The Bank of Fayetteville, N.A.	Fayetteville	AR	03/01/2004	Satisfactory	Small Bank
22734	Direct Merchants Credit Card Bank, N.A.	Phoenix	AZ	03/02/2004	Satisfactory	Limited Purpose Bank
17801	First National Bank of Lake City &Creede	Lake City	CO	07/26/2004	Satisfactory	Small Bank
23519	Tarpon Coast National Bank	Port Charlotte	FL	08/02/2004	Satisfactory	Small Bank
20157	Terrabank National Association	Miami	FL	06/21/2004	Outstanding	Small Bank
14434	Tuscola National Bank	Tuscola	IL	06/21/2004	Satisfactory	Small Bank
14217	First National Bank in Olney	Olney	IL	08/02/2004	Satisfactory	Small Bank
5316	The First National Bank of Assumption	Assumption	IL	09/13/2004	Satisfactory	Small Bank
14418	Peoples National Bank of Kewanee	Kewanee	IL	03/24/2003	Outstanding	Small Bank
8796	Armed Forces Bank, N.A.	Ft Leavenworth	KS	07/06/2004	Outstanding	Large Bank
24119	Commonwealth National Bank	Worcester	MA	07/12/2004	Satisfactory	Small Bank
24347	Community National Bank	Monett	MO	08/02/2004	Satisfactory	Small Bank
12955	Citizens N.B. of Greater St. Louis	Maplewood	MO	05/03/2004	Satisfactory	Large Bank
18431	Eastbank, N.A.	New York	NY	07/01/2004	Satisfactory	Small Bank
976	The Putnam County National Bank	Carmel	NY	08/02/2004	Satisfactory	Small Bank
6483	The First National Bank of Slippery Rock	Slippery Rock	PA	05/03/2004	Satisfactory	Large Bank
2505	The First National Bank of Canton	Canton	PA	07/19/2004	Satisfactory	Small Bank
24257	Freedom National Bank	Greenville	RI	07/13/2004	Satisfactory	Small Bank
22814	First Community Bank, N.A.	Houston	TX	06/18/2004	Satisfactory	Small Bank
5850	First National Bank of Central Texas	Waco	TX	08/16/2004	Satisfactory	Small Bank
14886	First National Bank of Jasper	Jasper	TX	07/27/2004	Satisfactory	Small Bank
4166	First National Bank of Abilene	Abilene	TX	08/16/2004	Satisfactory	Large Bank
22210	Ledyard National Bank	Norwich	VT	07/26/2004	Satisfactory	Small Bank
10127	First National Bank	Spencer	WV	08/16/2004	Satisfactory	Small Bank