CRA Performance Evaluations: March 1998

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
15836	Metropolitan National Bank	Little Rock	AR	12/08/1997	Satisfactory	Yes
17868	Bank of Lodi, National Association	Lodi	CA	10/31/1997	Satisfactory	Yes
18242	Inland Empire National Bank	Riverside	CA	12/10/1997	Satisfactory	Yes
17129	First National Bank	San Diego	CA	12/20/1997	Satisfactory	Yes
15089	First National Bank of Northern California	South San Francisco	CA	12/09/1997	Satisfactory	Yes
9797	Burns National Bank	Durango	CO	09/30/1997	Satisfactory	Yes
15127	First Union National Bank of Washington, D.C.	Washington	DC	05/31/1997	Outstanding	Yes
22465	JCPenney Card Bank, N.A.	Harrington	DE	09/30/1997	Satisfactory	Yes
17695	First Union National Bank of Florida	Jacksonville	FL	05/31/1997	Outstanding	Yes
16401	United National Bank	Miami	FL	12/23/1997	Satisfactory	Yes
21161	First Union National Bank of Georgia	Atlanta	GA	05/31/1997	Outstanding	Yes
7549	The First National Bank of Northwest Georgia	Calhoun	GA	12/17/1997	Satisfactory	Yes
13609	First Newton National Bank	Newton	IA	01/07/1998	Satisfactory	Yes
4934	The First National Bank of Carmi	Carmi	IL	11/25/1997	Satisfactory	Yes
16584	First National Bank of Wheaton	Wheaton	IL	12/12/1997	Satisfactory	Yes
12444	Old National Bank in Evansville	Evansville	IN	09/30/1997	Satisfactory	Yes
22906	Western National Bank	Lenexa	KS	12/05/1997	Satisfactory	Yes
22961	First Commercial Bank, N.A.	Overland Park	Ks	01/21/1998	Satisfactory	Yes
18484	MidSouth National Bank	Lafayette	LA	12/02/1997	Satisfactory	Yes
23118	First Union National Bank of Maryland	Rockville	MD	05/31/1997	Outstanding	Yes
22831	Marquette Bank, N.A.	Golden Valley	MN	01/06/1998	Satisfactory	Yes
23153	Marquette Capital Bank, N.A.	Minneapolis	MN	01/15/1998	Satisfactory	Yes
13692	The Citizens N. B. of Park Rapids	Park Rapids	MN	01/26/1998	Satisfactory	Yes
8407	The First National Bank of Cainseville	Cainsville	MO	01/12/1998	Outstanding	Yes
11008	Ruby Valley National Bank	Twin Bridges	MT	12/18/1997	Satisfactory	Yes
15650	First Union National Bank of North Carolina	Charlotte	NC	05/31/1997	Outstanding	Yes
22559	First Union Home Equity Bank, N.A.	Charlotte	NC	05/31/1997	Satisfactory	Yes
16560	United National Bank	Fayetteville	NC	12/03/1997	Satisfactory	Yes
22352	BNC National Bank	Bismarck	ND	12/31/1997	Satisfactory	Yes
8031	AmFirst Bank, National Association	McCook	NE	12/02/1997	Satisfactory	Yes
6493	The First National Bank of Osceola	Osceola	NE	01/06/1998	Satisfactory	Yes
7836	The Stanton National Bank	Stanton	NE	01/23/1998	Satisfactory	Yes
6378	The First National Bank of Valentine	Valentine	NE	01/26/1998	Satisfactory	Yes
4029	First National Bank	Wisner	NE	12/02/1997	Satisfactory	Yes
22693	First Union National Bank	Summit	NJ	05/31/1997	Outstanding	Yes
18667	Laughlin National Bank	Laughlin	NV	12/01/1997	Satisfactory	Yes
35	First National Bank of the Hudson Valley	LaGrangeville	NY	06/30/1997	Satisfactory	Yes
22859	M&T Bank N.A.	Oakfield	NY	09/30/1997	Satisfactory	Yes
1090	Oneida Valley National Bank	Oneida	NY	01/23/1998	Satisfactory	Yes
23264	Liberty Bank, N.A.	Twinsburg	OH	09/30/1997	Satisfactory	Yes
12471	The Neffs National Bank	Neffs	PA	12/05/1997	Satisfactory	Yes
7005	Northumber National Bank	Northumberland	PA	12/08/1997	Satisfactory	Yes
21183	First Union National Bank of South Carolina	Greenville	SC	05/31/1997	Outstanding	Yes
22104	Summit National Bank	Greenville	SC	09/30/1997	Satisfactory	Yes
8673	First National Bank	Lenoir City	TN	12/05/1997	Satisfactory	Yes
22649	First Union National Bank of Tennessee	Nashville	TN	05/31/1997	Outstanding	Yes
14643	First National Bank in Alpine	Alpine	TX	12/22/1997	Satisfactory	Yes
6607	Caldwell National Bank	Caldwell	TX	01/15/1998	Satisfactory	Yes
13107	First National Bank in Cleburne	Cleburne	TX	09/10/1997	Satisfactory	Yes
8515	Citizens National Bank of Crosbyton	Crosbyton	TX	12/10/1997	Satisfactory	Yes
18468	Founders National Bank - Skillman	Dallas	TX	12/12/1997	Satisfactory	Yes
14299	Eastland National Bank	Eastland	TX	09/04/1997	Satisfactory	Yes
14351	The Hondo National Bank	Hondo	TX	01/06/1998	Satisfactory	Yes
14154	Farmers National Bank of Newcastle	Newcastle	TX	12/11/1997	Satisfactory	Yes
6958	The First National Bank of Morgan	Morgan	UT	01/12/1998	Outstanding	Yes
12267	The Old Point National Bank of Phoebus	Hampton	VA	12/22/1997	Satisfactory	Yes
5046	Riggs Bank, N.A.	McLean	VA	08/31/1997	Satisfactory	Yes
2737	First Union National Bank of Virginia	Roanoke	VA	05/31/1997	Outstanding	Yes
64	Firstar Bank Milwaukee, N.A.	Milwaukee	WI	11/17/1997	Satisfactory	Yes
14109	National Bank of Commerce	Superior	WI	01/26/1998	Satisfactory	Yes