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CRA Performance Evaluations: February 1999

Charter# Bank Name City State Eval Date Rating Examination
13752 The Headland National Bank Headland AL 12/01/98 Satisfactory Small Bank
15090 Citizens National Bank Valley AL 06/30/98 Satisfactory Small Bank
21371 Merchants Bank of California, N.A. Carson CA 10/13/98 Satisfactory Small Bank
23349 Rockdale National Bank Conyers GA 09/30/98 Satisfactory Small Bank
23093 Sapelo National Bank Darien GA 11/30/98 Satisfactory Small Bank
16275 Fidelity National Bank Norcross GA 09/07/98 Needs to Improve Large Bank
13842 The First National Bank of Hampton Hampton IA 10/19/98 Satisfactory Small Bank
22705 Commerce Bank, N.A. Wichita KS 09/21/98 Satisfactory Large Bank
2560 Farmers National Bank of Cynthiana Cynthiana KY 11/19/98 Satisfactory Small Bank
2409 Farmers National Bank of Danville Danville KY 10/22/98 Satisfactory Small Bank
12295 HNB Bank, N.A. Harlan KY 11/30/98 Satisfactory Small Bank
2245 First National Bank of Mayfield, Ky Mayfield KY 10/05/98 Satisfactory Small Bank
17735 Progressive National Bank of DeSoto Parish Mansfield LA 10/13/98 Satisfactory Small Bank
16857 Huron National Bank Rogers City MI 10/13/98 Satisfactory Small Bank
11305 The First National Bank of Wakefield Wakefield MI 10/26/98 Satisfactory Small Bank
9771 The First National Bank of Fairfax Fairfax MN 11/30/98 Satisfactory Small Bank
13095 Bank Midwest, Minnesota Iowa. N.A. Fairmont MN 10/05/98 Satisfactory Small Bank
13544 First Farmers &Merchants N. B. of Luverne Luverne MN 10/05/98 Satisfactory Small Bank
11740 The First National Bank of Menahga Menahga MN 11/02/98 Satisfactory Small Bank
12617 Equity Bank, NA Atco NJ 10/14/98 Satisfactory Small Bank
15395 Valley National Bank Espanola NM 11/09/98 Satisfactory Small Bank
3817 Canandaigua National Bank & Trust Co. Canandaigua NY 09/21/98 Outstanding Large Bank
12018 The Upstate National Bank Fayetteville NY 09/10/98 Satisfactory Small Bank
13742 First National Bank Orrville OH 06/30/98 Satisfactory Small Bank
3565 The First National Bank of Wellston Wellston OH 11/24/98 Satisfactory Small Bank
6879 The First National Bank of Coweta Coweta OK 10/19/98 Satisfactory Small Bank
11913 Idabel National Bank Idabel OK 11/16/98 Satisfactory Small Bank
17269 McCurtain County National Bank Idabel OK 11/30/98 Satisfactory Small Bank
5052 First National Bank & Trust Company McAlester OK 11/02/98 Satisfactory Large Bank
8783 The First National Bank of Fredericksburg Fredericksburg PA 10/26/98 Satisfactory Small Bank
9886 LA Bank, N.A. Lake Ariel PA 10/13/98 Satisfactory Large Bank
4039 The First National Bank of Mifflintown Mifflintown PA 09/21/98 Satisfactory Small Bank
9149 The National Bank of North East North East PA 10/31/98 Satisfactory Small Bank
6181 The First National Bank of Freeman Freeman SD 11/30/98 Satisfactory Small Bank
4366 First National Bank of Hico Hico TX 11/30/98 Satisfactory Small Bank
18297 East Texas National Bank of Marshall Marshall TX 11/30/98 Satisfactory Small Bank
22814 First Community Bank, N.A. Pearland TX 10/26/98 Satisfactory Small Bank
16626 Central National Bank Waco TX 10/26/98 Satisfactory Small Bank
9295 First National Bank of Altavista Altavista VA 10/26/98 Satisfactory Small Bank
6443 Rappahannock N. B. of Washington Washington VA 10/26/98 Satisfactory Small Bank
3724 First National Bank - Fox Valley Menasha WI 11/30/98 Satisfactory Small Bank