WASHINGTON -- Fifty-nine national banks out of 475 were awarded "outstanding" Community Reinvestment Act compliance ratings last month by the Office Of the Comptroller of the Currency.

The list, which covers the period from Feb. I to July 31, assigned one of four compliance categories to each bank: "outstanding," "satisfactory," "needs to improve," and "substantial noncompliance."

Just over three quarters of the 475 banks evaluated were rated "satisfactory," 59 won "outstanding" ratings, and the Comptroller's office said 53 "need to improve."

Of the 475, one institution, National Bank of Commerce in Berkely, Ill., was given the lowest rating, substantial noncompliance."

The following 59 banks received "outstanding" ratings:

ARKANSAS

* Metropolitan National Bank, Little Rock

CALIFORNIA

* National Bank of Southern California, Newport Beach

COLORADO

* Norwest Bank Denver * First Interstate Bank of Golden

DISTRICT OF COLUMBIA

* Crestar Bank

FLORIDA

* Sunbank South Florida, Fort Lauderdale * Barnett Bank of Martin County, Stuart

IDAHO

* First Security Bank of Idaho, Boise

ILLINOIS

* First Midwest Bank Illinois, Joliet * First National Bank in Paxton First Bankers Trust Co., Quincy

INDIANA

* INB National Bank, Indianapolis

IOWA

* Peoples National Bank, Avoca

KANSAS

* Sunflower Bank, Salina

KENTUCKY

* Liberty National Bank and Trust of Louisville * First National Bank and Trust of Woodford County, Versailles

MASSACHUSETTS

* National Bank of Boston

MICHIGAN

* First of America Bank Mid Michigan, Bay City * First of America Bank Southeast Michigan, Detroit * NBD Bank, Detroit

MINNESOTA

* Community First National Bank of Windom

MISSOURI

* Mercantile Bank of St. Louis

MONTANA

* First National Bank of Eureka

NEBRASKA

* First National Bank and Trust Co., Columbus * Firstier Bank Lincoln * Firstier Bank Omaha

NEW YORK

* Glens Falls National Bank and Trust Co. * Wilber National Bank, Oneonta * National Bank of Delaware County; Walton * Champlain National Bank, Willsboro

NORTH CAROLINA

* Wachovia Bank of North Carolina, Winston-Salem

NORTH DAKOTA

* Community National Bank of Grand Forks

OHIO

* Star Bank, Cincinnati * First Central National Bank, St. Paris

OKLAHOMA

* First National Bank, Chelsea * Security National Bank, Enid * Western National Bank of Tulsa

PENNSYLVANIA

* Adams County National Bank, Gettysburg * Moxham National Bank, Johnstown * Grange National Bank of Laceyville * First National Bank of Mifflintown

TENNESSEE

* First Tennessee Bank, Memphis

TEXAS

* Liberty National Bank, Austin * Park National Bank, Bellaire * First National Bank in Edinburg * Fort Hood National Bank * First National Bank, Hico * South Texas National Bank of Laredo * Lubbock National Bank * First National Bank of Olney * Groos Bank, San Antonio * First National Bank of Sterling City * American National Bank of Terrell

UTAH

* First Security Bank of Utah, Salt Lake City * Zions First National Bank, Salt Lake City

VERMONT

* Community National Bank, Derby

WASHINGTON

* Seattle First National Bank

WISCONSIN

* National Exchange Bank and Trust of Fond du Lac * First National Bank of Platteville

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