CRA Performance Evaluations: September 2005

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
23202	The Malvern National Bank	Malvern	AR	05/31/2005	Satisfactory	Large Bank
24292	Orange County Business Bank, N.A.	Newport Beach	CA	05/02/2005	Satisfactory	Small Bank
22654	Bay Cities National Bank	Redondo Beach	CA	07/01/2005	Satisfactory	Small Bank
22770	Neighborhood National Bank	San Diego	CA	05/02/2005	Outstanding	Small Bank
17248	First National Bank of North County	San Marcos	CA	05/02/2005	Satisfactory	Small Bank
22381	MBNA America Bank, N.A.	Wilmington	DE	04/04/2005	Outstanding	Limited Purpose Bank
16870	Security Bank, N.A.	North Lauderdale	FL	06/28/2005	Satisfactory	Small Bank
21980	Citruc Bank, N.A.	Vero Beach	FL	03/17/2005	Satisfactory	Large Bank
21709	First National Bank	St. Mary's	GA	03/08/2005	Satisfactory	Small Bank
24192	Mills County Bank, N.A.	Glenwood	IA	04/19/2005	Satisfactory	Small Bank
22644	First National Bank of Kansas	Overland	KS	08/20/2003	Satisfactory	Strategic Plan
8229	FNB of Muhlenberg County Kentucky	Central City	KY	02/15/2005	Satisfactory	Small Bank
14062	Hillsdale County National Bank	Hillsdale	MI	10/18/2004	Satisfactory	Small Bank
15508	Commercial National Bank of L'Anse	L'Anse	MI	06/01/2005	Satisfactory	Small Bank
3817	The Canandaigua National Bank and Trust Co.	Canandaigua	NY	04/04/2005	Satisfactory	Large Bank
412	Cayuga Lake National Bank	Union Springs	NY	05/02/2005	Satisfactory	Small Bank
13871	Community National Bank of Northwestern PA	Albion	PA	05/10/2005	Satisfactory	Small Bank
14301	The Gratz National Bank	Gratz	PA	10/19/2004	Satisfactory	Small Bank
644	The Honesdale National Bank	Honesdale	PA	05/10/2004	Satisfactory	Large Bank
24212	American Home Bank, N.A.	Lancaster	PA	08/05/2004	Satisfactory	Small Bank
7353	The First National Bank of Marysville	Marysville	PA	05/23/2005	Outstanding	Small Bank
8930	The First National Bank of Palmerton	Palmerton	PA	05/16/2005	Satisfactory	Large Bank
3877	The First National Bank of Port Allegany	Port Allegheny	PA	04/18/2005	Satisfactory	Small Bank
21963	Fifth Third Bank, N.A.	Franklin	TN	05/16/2005	Satisfactory	Large Bank
8673	First National Bank	Lenoir City	TN	02/07/2005	Satisfactory	Large Bank
14619	First National Bank of Pulaski	Pulaski	TN0	02/25/2003	Satisfactory	Large Bank
3107	First National Bank of Tullahoma	Tullahoma	TN	09/22/2003	Satisfactory	Small Bank
7524	The First National Bank of Bells/Savory	Bells	TX	06/20/2005	Satisfactory	Small Bank
12543	The State National Bank of Big Spring	Big Spring	TX	04/27/2005	Satisfactory	Small Bank
10189	The La Coste National Bank	La Coste	TX	05/16/2005	Satisfactory	Small Bank
14623	First National Bank of Monahans	Monahans	TX	05/16/2005	Satisfactory	Small Bank
14447	Broadway National Bank	San Antonio	TX	06/06/2005	Satisfactory	Large Bank
11019	The First National Bank of Tom Bean	Tom Bean	TX	05/23/2005	Satisfactory	Small Bank
24180	Eastside Commercial Bank, N.A.	Bellevue	WA	04/25/2005	Satisfactory	Small Bank
9610	Mountain Valley Bank, N.A.	Elkins	WV	06/28/2005	Satisfactory	Small Bank