FIRST AMERICAN BANK AND TRUST <FIAMA> YEAR NET Shr 91 cts vs 1.25 dlrs Net 8,710,000 vs 11.7 mln Avg shrs 9,526,287 vs 9,362,379 NOTE: Share adjusted for 10 pct stock dividend in May 1986. Net includes loan loss provisions of 12.7 mln dlrs vs 2,400,000 dlrs.