CRA Performance Evaluations: February 1998

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
14389	First National Bank in Blytheville	Blytheville	AR	10/31/1997	Satisfactory	Yes
1950	First National Bank of Fort Smith	Fort Smith	AR	11/20/1997	Satisfactory	Yes
14097	First National Bank of Marianna	Marianna	AR	10/20/1997	Satisfactory	Yes
13693	First National Bank in Mena	Mena	AR	11/28/1997	Satisfactory	Yes
17419	Rancho Vista National Bank	Vista	CA	11/06/1997	Satisfactory	Yes
17548	Bank of Whittier, N.A.	Whittier	CA	09/25/1997	Satisfactory	Yes
7904	First National Bank in Alamosa	Alamosa	CO	10/23/1997	Satisfactory	Yes
9840	First Western National Bank	La Jara	CO	06/30/1997	Outstanding	Yes
11197	The First National Bank of Stratton	Stratton	CO	10/31/1997	Satisfactory	Yes
21197	First National Bank of Atlanta	Atlanta	GA	06/30/1997	Satisfactory	Yes
994	Clinton National Bank	Clinton	IA	10/21/1997	Outstanding	No
5738	The First National Bank	Essex	IA	12/08/1997	Satisfactory	Yes
5584	First National Bank of Chillicothe	Chillicothe	IL	09/17/1997	Satisfactory	No
15765	The First National Bank of McHenry	McHenry	IL	11/24/1997	Satisfactory	Yes
11774	First National Bank of Mt. Vernon	Mt. Vernon	IL	12/05/1997	Satisfactory	Yes
6451	The Citizens National Bank of Paris	Paris	IL	10/23/1997	Satisfactory	Yes
13226	Stewardson National Bank	Stewardson	IL	11/14/1997	Satisfactory	Yes
3842	The Peoples National Bank & Trust Company	Washington	IN	12/11/1997	Satisfactory	Yes
3885	Emprise Bank, N.A.	Hays	KS	12/04/1997	Satisfactory	Yes
3242	The First National Bank of Howard	Howard	KS	12/05/1997	Satisfactory	Yes
2592	The First National Bank of Carrollton	Carrollton	KY	12/09/1997	Satisfactory	Yes
1493	First Southern National Bank of Garrard County	Lancaster	KY	10/28/1997	Satisfactory	No
12959	The Buffalo National Bank	Buffalo	MN	12/15/1997	Outstanding	No
13713	The First National Bank in Cannon Falls	Cannon Falls	MN	11/26/1997	Satisfactory	No
9131	The First National Bank of Deer River	Deer River	MN	11/24/1997	Satisfactory	Yes
22135	Century Bank, N.A.	Eden Prairie	MN	11/17/1997	Satisfactory	Yes
15037	American Heritage National Bank	Long Prairie	MN	11/26/1997	Satisfactory	Yes
15295	National City Bank of Minneapolis	Minneapolis	MN	12/10/1997	Satisfactory	Yes
1467	First National Bank & Trust Company	Columbia	MO	12/11/1997	Outstanding	Yes
6635	The Hannibal National Bank	Hannibal	MO	12/09/1997	Satisfactory	Yes
1559	Wachovia Bank, N.A.	Winston-Salem	NC	06/30/1997	Outstanding	Yes
8881	The First National Bank of McClusky	McClusky	ND	11/19/1997	Satisfactory	Yes
12625	Platte Valley National Bank	Morrill	NE	11/12/1997	Outstanding	Yes
3060	The Jones National Bank & Trust Co. of Seward	Seward	NE	11/24/1997	Satisfactory	Yes
1239	Phillipsburg National Bank	Phillisburg	NJ	12/08/1997	Satisfactory	Yes
13198	The National Bank of Adams County	West Union	OH	12/05/1997	Satisfactory	Yes
828	The Wayne County National Bank of Wooster	Wooster	OH	06/30/1997	Satisfactory	No
5252	The First National Bank & Trust Co. of Miami	Miami	OK	11/26/1997	Satisfactory	Yes
13679	Bank of Oklahoma, N.A.	Tulsa	OK	10/22/1997	Satisfactory	Yes
21542	Bank of Columbia, N.A.	Columbia	SC	09/30/1997	Satisfactory	Yes
23063	National Bank of York County	Rock Hill	SC	09/30/1997	Satisfactory	Yes
3393	The First National Bank in Sioux Falls	Sioux Falls	SD	09/11/1997	Satisfactory	Yes
6294	The First National Bank of White	White	SD	12/24/1997	Satisfactory	Yes
22758	Union Planters Bank of Chattanooga, N.A.	Chattanooga	TN	10/27/1997	Satisfactory	Yes
6814	The First National Bank of Emory	Emory	TX	09/30/1997	Satisfactory	Yes
10189	The La Coste National Bank	La Coste	TX	12/29/1997	Needs to Improve	Yes
18125	First National Bank of Sachse	Sachse	TX	09/30/1997	Satisfactory	Yes
18063	First National Bank of South Padre Island	South Padre Island	TX	12/15/1997	Satisfactory	Yes
18609	First National Bank of Spearman	Spearman	TX	11/14/1997	Satisfactory	Yes
13675	First National Bank of Bosque County	Valley Mills	TX	11/20/1997	Satisfactory	Yes
13649	First National Bank in Whitney	Whitney	TX	12/04/1997	Satisfactory	Yes
4137	Stephenson National Bank & Trust Co.	Marinette	WI	11/07/1997	Satisfactory	Yes
10369	First National Bank of Keystone	Keystone	WV	06/30/1997	Satisfactory	Yes
13783	First National Bank in Marlinton	Marlinton	WV	10/31/1997	Outstanding	Yes