CRA Performance Evaluations: January 2002

Charter#	Bank Name	City	State	Eval Date	Rating	Examination
14254	First National Bank in Lamar	Lamar	CO	10/22/2001	Satisfactory	Small Bank
15184	Bank One, Colorado, N.A.	Denver	CO	03/31/2000	Outstanding	Large Bank
22277	Associates National Bank (Delaware)	Newark	DE	07/02/2001	Satisfactory	Limited Purpose Bank
15651	First National Bank of Chattooga Co.	Summerville	GA	10/29/2001	Satisfactory	Small Bank
14057	The City National Bank of Shenandoah	Shenandoah	IA	10/11/2001	Satisfactory	Small Bank
6318	First National Bank of Clifton	Clifton	IL	10/23/2001	Satisfactory	Small Bank
8	Bank One, N.A. Illinois	Chicago	IL	03/31/2000	Satisfactory	Large Bank
14402	The Belvidere National Bank & Trust Co.	Belvidere	IL	07/23/2001	Satisfactory	Small Bank
14596	Citizens Bank-IL, N.A.	Berwyn	IL	06/11/2001	Satisfactory	Large Bank
6120	Emprise Bank, National Association	Hillsboro	KS	10/30/2001	Satisfactory	Small Bank
12791	The First National Bank of Cunningham	Cunningham	KS	11/08/2001	Satisfactory	Small Bank
14320	Bank One, Kentucky, N.A.	Louisville	KY	03/31/2000	Satisfactory	Large Bank
2919	The Third National Bank of Sedalia	Sedalia	MO	10/01/2001	Satisfactory	Large Bank
13425	American National Bank Sidney	Sidney	NE	10/15/2001	Satisfactory	Small Bank
1929	The First National Bank of Shelby	Shelby	OH	06/25/2001	Satisfactory	Small Bank
7621	Bank One, N.A., Ohio	Columbus	OH	03/31/2000	Satisfactory	Large Bank
14322	First National Bank in Wewoka	Wewoka	OK	05/07/2001	Outstanding	Small Bank
23818	New Commerce Bank, N.A.	Greenville	SC	10/01/2001	Satisfactory	Small Bank
21398	Orangeburg National Bank	Orangeburg	SC	10/16/2001	Satisfactory	Small Bank
14149	Haskell National Bank	Haskell	TX	09/23/2001	Satisfactory	Small Bank
15319	InterContinental National Bank	San Antonio	TX	10/01/2001	Satisfactory	Small Bank
17768	The Bank of Navasota, N.A.	Navasota	TX	09/04/2001	Satisfactory	Small Bank
21969	Bank One, Texas, N.A.	Dallas	TX	03/31/2000	Satisfactory	Large Bank
22643	Graham National Bank	Graham	TX	10/22/2001	Satisfactory	Small Bank
17002	Community National Bank	Hondo	TX	10/22/2001	Outstanding	Small Bank
18785	Bank One Utah, N.A.	Salt Lake City	UT	03/31/2000	Satisfactory	Large Bank
13914	Bank One Wheeling-Steubenville, N.A.	Wheeling	WV	03/31/2000	Satisfactory	Large Bank
3106	Bank One West Virginia, N.A.	Huntington	WV	03/31/2000	Satisfactory	Large Bank