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Feltner, chairman of F&M National Corporation, commented, "We are delighted to affiliate with First National Bank of Emporia and become a part of Emporia and Greensville County.
On July 31, 1993, First National Bank of Emporia had total assets of $68.
The ratings are based upon the credit quality of the underlying assets, the credit enhancement provided to the capital structure through subordination and excess spread, and the strength of Emporia Capital Management LLC.