CRA Performance Evaluations: January 2005

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
12429	Simmons First Bank of El Dorado, N.A.	El Dorado	AR	09/30/2004	Satisfactory	Large Bank
24224	BNC National Bank	Phoenix	AZ	04/14/2004	Satisfactory	Small Bank
24189	First NB of Arizona	Scottsdale	AZ	06/01/2004	Satisfactory	Large Bank
21121	Peak National Bank	Conifer	CO	11/08/2004	Satisfactory	Small Bank
11571	The First National Bank of Fleming	Fleming	CO	10/04/2004	Satisfactory	Small Bank
6030	The First National Bank of Las Animas	Las Animas	CO	10/04/2004	Outstanding	Small Bank
20668	Peachtree National Bank	Peachtree City	GA	08/09/2004	Satisfactory	Large Bank
7369	The First National Bank of Sioux Center	Sioux Center	IA	09/22/2004	Satisfactory	Small Bank
5815	Resource Bank, N.A.	DeKalb	IL	07/27/2004	Satisfactory	Small Bank
23393	First Robinson Savings Bank, N.A.	Robinson	IL	08/09/2004	Satisfactory	Small Bank
13682	First Neighbor Bank, NA	Toledo	IL	10/04/2004	Outstanding	Small Bank
22705	Commerce Bank, N.A.	Wichita	KS	02/09/2004	Outstanding	Large Bank
24372	Northwestern Bank, N.A.	Dilworth	MN	10/25/2004	Satisfactory	Small Bank
6417	First National Bank of Sauk Centre	Sauk Centre	MN	10/25/2004	Satisfactory	Small Bank
24280	Citizens National Bank in Loup City	Loup City	NE	10/12/2004	Satisfactory	Small Bank
14308	The Farmers &Merchants NB of West Point	West Point	NE	09/13/2004	Satisfactory	Small Bank
20439	Bank of the Rio Grande, N.A.	Las Cruces	NM	10/18/2004	Outstanding	Small Bank
18667	First National Bank of Nevada	Reno	NV	06/01/2004	Satisfactory	Large Bank
1354	NBT Bank, N.A.	Norwich	NY	07/06/2004	Outstanding	Large Bank
14680	First National Bank of Scotia	Scotia	NY	04/19/2004	Satisfactory	Small Bank
13596	The Peoples National Bank of Lexington	New Lexington	OH	09/15/2004	Satisfactory	Small Bank
13742	First National Bank	Orrville	OH	12/01/2003	Satisfactory	Small Bank
9480	First United National Bank	Fryburg	PA	10/04/2004	Satisfactory	Small Bank
23248	Texas Capital Bank, N.A.	Dallas	TX	07/12/2004	Satisfactory	Large Bank
6169	The First National Bank of Livingston	Livingston	TX	10/25/2004	Satisfactory	Small Bank