+--------+---+----------------------+--------+------------------------+---+
| # O    | # |                      |        |                        | # |
|        | # |                      |        |                        |   |
| ##     | # |                      |        |                        |   |
|        | # |                      |        |                        | # |
|        |   |                      |        |                        |   |
|        | A |                      |        |                        |   |
|        | L |                      |        |                        | # |
|        | E |                      |        |                        | # |
|        | R |                      |        |                        |   |
|        | T |                      |        |                        |   |
|        |   |                      |        |                        |   |
|        | 2 |                      |        |                        |   |
|        | 0 |                      |        |                        |   |
|        | 0 |                      |        |                        |   |
|        | 5 |                      |        |                        |   |
|        | - |                      |        |                        |   |
|        | 2 |                      |        |                        |   |
|        | 6 |                      |        |                        |   |
+--------+---+----------------------+--------+------------------------+---+
|        | * |                      |        |                        |   |
|        | * |                      |        |                        |   |
|        | O |                      |        |                        |   |
|        | C |                      |        |                        |   |
|        | C |                      |        |                        |   |
|        | A |                      |        |                        |   |
|        | L |                      |        |                        |   |
|        | E |                      |        |                        |   |
|        | R |                      |        |                        |   |
|        | T |                      |        |                        |   |
|        | * |                      |        |                        |   |
|        | * |                      |        |                        |   |
+--------+---+----------------------+--------+------------------------+---+
| ## Com |   |                      |        |                        |   |
| ptroll |   |                      |        |                        |   |
| er of  |   |                      |        |                        |   |
| the Cu |   |                      |        |                        |   |
| rrency |   |                      |        |                        |   |
|        |   |                      |        |                        |   |
| > A    |   |                      |        |                        |   |
| dminis |   |                      |        |                        |   |
| trator |   |                      |        |                        |   |
| > of   |   |                      |        |                        |   |
| > Na   |   |                      |        |                        |   |
| tional |   |                      |        |                        |   |
| >      |   |                      |        |                        |   |
|  Banks |   |                      |        |                        |   |
+--------+---+----------------------+--------+------------------------+---+
| ## Su  |   | Counterfeit          | Descri | First National Bank,   |   |
| bject: |   | Cashier's Checks     | ption: | Hermitage, PA          |   |
+--------+---+----------------------+--------+------------------------+---+

**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; Director,
Office of Thrift Supervision; Conference of State Bank Supervisors;
Deputy Comptrollers (districts); Assistant Deputy Comptrollers; District
Counsel; and All Examining Personnel

**RE:** Counterfeit Cashier's Checks of First National Bank, Hermitage,
PA

The above-named bank has reported that counterfeit cashier's checks
issued in the bank's name and using an incorrect routing number of
043001435 are being presented for payment.

The counterfeit checks may be identified by the following: a standard
check stock that is light green in color with the bank's name printed in
the top-center portion of the check followed by an incorrect address and
telephone number of: 490 E North Avenue, Pittsburg, PA 15212,
1-888-239-1658. The words "FIRST NATIONAL" appear in the upper-left
corner of the check, and the words "CASHIER'S CHECK" appear in the
lower-left corner. One of two statements appears inside of the check
border that reads: "THIS DOCUMENT HAS A COLORED BACKGROUND AND
MICROPRINTING. THE REVERSE SIDE INCLUDES AN ARTIFICIAL WATERMARK."
**or** "THIS DOCUMENT CONTAINS SECURITY FEATURES -- MICROPRINING HIDDEN
VOID PANTOGRAPH, PAINTED ON SECURITY PAPER WITH INVISIBLE FIBRES AND
CHEMICAL REACTANTS." The second statement contains a typographical error
and alternative spelling, shown above. The remitter line appears in the
upper-left portion of the instrument, and the statement "SIGNATURE HAS A
COLOURED BACKGROUND" may appear below the signature line.

> Authentic cashier's checks issued by the bank are mint green in color
> with a border. The following statement appears inside of the top
> border: "Front of document features colored background inside this
> high resolution border and a white band outside of border. Back of
> document has gray printing on a white background. 'Security Document'
> is micro-printed in bottom border and 'Authorized Signature' in
> signature line." The bank's logo of shaking hands in front of a flag
> and the bank's name appear in the top-left portion of the check. The
> words, "CASHIER'S CHECK" appear in an enclosed box in the top-center
> portion of the instrument with the *Remitter* line directly beneath.
> The statement "DRAWER: FIRST NATIONAL BANK OF PENNSLVANIA" appears in
> the lower-left portion of the check directly above the signature line.

You can verify the authenticity of First National Bank's cashier's
checks by contacting Charles R. Herdt, security consultant, at One FNB
Boulevard, Hermitage, PA 16148, by telephone at (724) 983-4916, by fax
at (724) 983-3290, or via e-mail at \[Herdt@fnb-corp.com\].

> Additional information concerning this matter that you believe should
> be brought to the attention of the OCC, may be forwarded to:

E-mail: occalertresponses@occ.treas.gov

Mail: Office of the Comptroller of the Currency

Enforcement & Compliance Division, MS 8-10

250 E Street, SW, Washington, DC 20219

Fax: (202) 874-5301

Internet: http://www.occ.treas.gov

Brian C. McCormally

Director for Enforcement & Compliance