CRA Performance Evaluations: April 2000

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
18595	Cupertino National Bank and Trust	Cupertino	CA	10/18/1999	Outstanding	Large Bank
18454	First Coastal Bank, N.A.	El Segundo	CA	10/12/1999	Satisfactory	Small Bank
21699	Goleta National Bank	Goleta	CA	07/06/1999	Satisfactory	Small Bank
23470	Chase Manhattan Bank and Trust Co., N.A.	Los Angeles	CA	10/18/1999	Outstanding	Wholesale Bank
16407	Far East National Bank	Los Angeles	CA	10/25/1999	Needs to Improve	Large Bank
17480	National Bank of California	Los Angeles	CA	11/01/1999	Satisfactory	Small Bank
17785	United National Bank	San Marino	CA	10/13/1999	Satisfactory	Large Bank
18542	Sonoma National Bank	Santa Rosa	CA	11/01/1999	Satisfactory	Small Bank
709	First National Bank of Litchfield	Litchfield	CT	11/08/1999	Satisfactory	Small Bank
22474	Beneficial National Bank USA	Wilmington	DE	06/30/1998	Satisfactory	Limited Purpose Bank
15748	Eastern National Bank	Miami	FL	11/01/1999	Satisfactory	Large Bank
16116	Palm Beach National Bank & Trust Co.	Palm Beach	FL	01/03/2000	Satisfactory	Small Bank
21177	The Chase Manhattan Private Bank, N.A.	Tampa	FL	10/18/1999	Outstanding	Wholesale Bank
23669	Southern National Bank	Marietta	GA	12/31/1999	Satisfactory	Small Bank
13891	Home National Bank	Arkansas City	KS	01/10/2000	Satisfactory	Small Bank
22107	Franklin Bank, N.A.	Southfield	MI	10/04/1999	Satisfactory	Large Bank
23286	Bremer Bank, N.A.	Brainerd	MN	07/12/1999	Satisfactory	Large Bank
23287	Bremer Bank, N.A.	Breckenridge	MN	07/12/1999	Satisfactory	Large Bank
2567	Bremer Bank, N.A.	Crookston	MN	01/12/1999	Satisfactory	Large Bank
23410	Fortress Bank, N.A.	Houston	MN	11/29/1999	Satisfactory	Small Bank
23289	Bremer Bank, N.A.	International Falls	MN	07/12/1999	Satisfactory	Large Bank
23294	Bremer Bank, N.A.	Marshall	MN	07/12/1999	Satisfactory	Large Bank
23204	Bremer Bank, N.A.	Moorhead	MN	07/12/1999	Satisfactory	Large Bank
23290	Bremer Bank, N.A.	South St. Paul	MN	07/12/1999	Satisfactory	Large Bank
11818	Bremer Bank, N.A.	St. Cloud	MN	07/12/1999	Satisfactory	Large Bank
23298	Bremer Bank, N.A.	Willmar	MN	07/12/1999	Satisfactory	Large Bank
23481	Community First N. B. of West Plains	West Plains	MO	01/03/2000	Satisfactory	Small Bank
1750	First National Bank of Santa Fe	Santa Fe	NM	01/10/2000	Satisfactory	Large Bank
8531	Community Bank, N.A.	Canton	NY	09/20/1999	Satisfactory	Large Bank
9305	City National Bank and Trust Company	Gloversville	NY	12/13/1999	Satisfactory	Small Bank
24	Star Bank, N.A.	Cincinnati	OH	07/06/1998	Satisfactory	Large Bank
14986	First National Bank	Midwest City	OK	01/10/2000	Satisfactory	Small Bank
5546	The First N.B. of Pryor Creek	Pryor	OK	12/06/1999	Satisfactory	Small Bank
311	Adams County National Bank	Gettysburg	PA	07/19/1999	Satisfactory	Large Bank
42	Bank of Lancaster County, N.A.	Lancaster	PA	11/01/1999	Satisfactory	Large Bank
148	First National Bank of West Chester	West Chester	PA	10/04/1999	Satisfactory	Large Bank
10660	National Bank of South Carolina	Columbia	SC	09/27/1999	Satisfactory	Large Bank
23550	Florence National Bank	Florence	SC	01/03/2000	Satisfactory	Small Bank
3393	The First National Bank in Sioux Falls	Sioux Falls	SD	01/10/2000	Satisfactory	Large Bank
23116	United Credit National Bank	Sioux Falls	SD	11/08/1999	Satisfactory	Limited Purpose Bank
12619	First National Bank of Amherst	Amherst	TX	01/10/2000	Needs to Improve	Small Bank
17043	The American National Bank of Texas	Terrell	TX	01/10/2000	Outstanding	Large Bank
23709	Washington State Bank, N.A.	Federal Way	WA	01/18/2000	Satisfactory	Small Bank
23300	Bremer Bank, N.A.	Menomonie	WI	07/12/1999	Satisfactory	Large Bank
11060	M & I First National Bank	West Bend	WI	01/10/2000	Satisfactory	Large Bank
9610	Mountain Valley Bank, N.A.	Elkins	WV	11/16/1999	Satisfactory	Small Bank