US BANCORP \DE\
10-K405/A, EX-13, 2001-01-10
NATIONAL COMMERCIAL BANKS
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                                              Exhibit 13

Pursuant to General Instruction (H) to Form 10-K the Company is filing an
integrated Annual Report on Form 10-K. See page 74 for 10-K cover page for the
sections of the Annual Report incorporated into the Form 10-K.



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