ALERT 96-32
Type: Unauthorized Banking                  Subject: Unauthorized use of the word National

TO:  Chief Executive Officers of all National Banks; all State Banking Authorities; Chairman,
     Board of Governors of the Federal Reserve System; Chairman, Federal Deposit Insurance
     Corporation; Conference of State Bank Supervisors; Deputy Comptrollers (Districts);
     District Administrators; District Counsel and Examining Personnel.

RE:  Americans National Bank                     )    14266 C Tuolumne Road
        American National Bank                       )    Sonora, CA  95370
        American National Bank & Trust        )
        American National Bank Trust            )
        Americas National Bank Trust             )
        ANB Trust                                              )

     Please be advised that the above-named entities may be conducting a banking business in
     the United States without authorization.  The Office of The Comptroller of the Currency
     has not chartered these entities.  The State Banking Department of California has issued a
     Cease and Desist Order from conducting a banking and trust business in California.

     Any information which you may have concerning this matter should be brought to the
     attention of: 


                    Office of the Comptroller of the Currency
                    Enforcement & Compliance Division
                    250 E Street, SW
                    Washington, DC  202l9
                    Fax (202) 874-5301



                                      
     Daniel P. Stipano
     Director
     Enforcement & Compliance Division
     Date: September 10, 1996