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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H.2, 1997, No. 16
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending April 19, 1997

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

ADVISORY COUNCILS
Consumer Advisory Council.
Convened, April 17, 1997.
BANK HOLDING COMPANIES
Amboy Bancorporation, Old Bridge, New Jersey - - t o
acquire up to 9.9 percent of The Community Bank of
New Jersey, Freehold, New Jersey.
Approved, April 14, 1997.
Crestar Financial Corporation, Richmond, Virginia
to engage in various securities-related activities,
including underwriting and dealing in, to a limited
extent, certain bank-ineligible securities through
Crestar Securities Corporation.
Approved, April 14, 1997.
BANK MERGERS
AmSouth Bank of Alabama, Birmingham, Alabama -- to
merge with AmSouth Bank of Florida, Tampa, Florida;
AmSouth Bank of Georgia, Rome, Georgia; AmSouth
Bank of Tennessee, Chattanooga, Tennessee; and
AmSouth Bank of Walker County, Jasper, Alabama; and
to establish branches at the current locations.
Approved, April 14, 1997.
ENFORCEMENT




PT Bank Negara Indonesia (Persero), Jakarta,
Indonesia -- order of prohibition against Steven
King, a former loan administration officer and
institution-affiliated party of the New York agency
of PT Bank Negara Indonesia (Persero).
Announced, April 18, 1997.

H.2
APRIL 14, 1997
PAGE 2

TO

APRIL 18, 1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
ABBREVIATIONS: BS&R - Banking Supervision and Regulation; C&CA - Consumer and
Community Affairs; FOMC - Federal Open Market Committee; FRBO - Federal Reserve
Bank Operations; IF * International Finance; OSDM - Office of Staff Director
for Management
BANK BRANCHES. DOMESTIC
St. Louis

Belgrade State Bank, Potosi, Missouri -- to establish
a bank in Stanley's Nu-Way Food Unit #3, Viburnum
Shopping Center, Highway 49, Viburnum, Missouri.
Approved, April 18, 1997.

Richmond

Crestar Bank, Richmond, Virginia -- to establish a
branch in the Roundwood Shopping Center at the
intersection of Padonia and Roundwood Roads,
Timonium, Maryland.
Approved, April 18, 1997.

Atlanta

First Newton Bank, Covington, Georgia -- to establish
a branch at 1767 Rock Quarry Road, Stockbridge,
Georgia.
Approved, April 14, 1997.

Richmond

Triangle Bank, Raleigh, North Carolina -- to
establish a branch inside the Winn Dixie
Supermarket at 1727 West Cumberland Avenue, Dunn,
North Carolina.
Approved, April 14, 1997.

BANK HOLDING COMPANIES




Chicago

ABC Employee Stock Ownership Plan, Anchor, Illinois - to acquire additional shares of Anchor
Bancorporation, Inc., Farmer City; and Anchor State
Bank, Anchor, Illinois.
Approved, April 16, 1997.

Chicago

Anchor Bancorporation, Inc., Farmer City, Illinois -redemption of shares.
Approved, April 16, 1997.

Kansas City

Armstrong Financial Co., Minden, Nebraska -- to
acquire Minden Exchange Company, Minden, Nebraska.
Approved, April 17, 1997.

GC

Baltz Family Partners, Ltd., Parker, Colorado -determination that it is a qualified family
partnership under the Bank Holding Company A c t .
Granted, April 16, 1997.

H.2
APRIL 14, 1997
PAGE 3

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APRIL 18, 1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK HOLDING COMPANIES




Richmond

Bay Banks of Virginia, Inc., Kilmarnock, Virginia -to acquire Bank of Lancaster.
Permitted, April 17, 1997.

Cleveland

CB Bancorp, Inc., Higginsport, Ohio -- to acquire The
Citizens Bank.
Approved, April 18, 1997.

Minneapolis

Community Bankshares, Inc., Fargo, North Dakota -- to
acquire KeyBank National Association (Wyoming),
Cheyenne, Wyoming.
Approved, April 15, 1997.

New York

Credit Suisse Group, Zurich, Switzerland - - t o
acquire shares of Tradewater, L.L.C., New York, New
York, and engage indirectly through Trade Web in
data processing.
Approved, April 18, 1997.

Director, BS&R

Deutsche Bank AG, Frankfurt, Germany -- request to
permit its section 20 subsidiary, Deutsche Morgan
Grenfel, Inc., New York, New York, to participate
in underwriting a proposed offering in the United
States of certain subordinated convertible notes of
Daimler-Benz Aktiengesellschaft, Stuttgart,
Germany.
Granted, April 16, 1997.

GC

Dewar Family, L.P., Valdosta, Georgia -determination that it is a qualified family
partnership under the Bank Holding Company Act.
Granted, April 18, 1997.

Cleveland

First Financial Bancorp, Hamilton, Ohio -- to acquire
Southeastern Indiana Bancorp, Vevay, Indiana.
Approved, April 18, 1997.

Cleveland

F.N.B. Corporation, Hermitage, Pennsylvania -- to
acquire shares of Sun Bancorp, Inc., Selinsgrove,
Pennsylvania.
Approved, April 18, 1997.




H .2
APRIL 14, 1997
PAGE 5

TO

APRIL 18, 1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK MERGERS
Richmond

Guaranty Bank, Charlottesville, Virginia -- to merge
with Guaranty Savings & Loan, F.A., and establish
four branches.
Approved, April 15, 1997.

BANK PREMISES
Minneapolis

First National Bank in Brookings, Brookings, South
Dakota -- investment in bank premises.
Withdrawn, April 14, 1997.

BANKS. NONMEMBER. AND MISCELLANEOUS INSTITUTIONS
San Francisco

Ligand Pharmaceuticals, Inc., San Diego, California,
and Northern Life Insurance Company, Seattle,
Washington -- registration under Regulation G.
Withdrawn, April 16, 1997.

CHANGE IN BANK CONTROL




■- change

Chicago

Antioch Holding Company, Antioch, Illinois
in bank control.
Permitted, April 16, 1997.

St. Louis

FSB Financial Corporation, Francisco, Indiana -change in bank control.
Permitted, April 18, 1997.

Minneapolis

H & W Holding Company, Freeman, South Dakota -change in bank control.
Permitted, April 14, 1997.

Dallas

South Texas Capital Group, Inc., San Antonio, Texas - change in bank control.
Returned, April 18, 1997.

Kansas City

SSB Holdings, Inc., Miami, Oklahoma -- change in bank
control.
Permitted, April 15, 1997.

H.2
APRIL 14, 1997
PAGE 6

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APRIL 18, 1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS




Dallas

Big Lake Bank, N.A., Big Lake, Texas, proposed merger
with New Big Lake Bank -- report on competitive
factors.
Submitted, April 14, 1997.

Boston

CFX Bank, Keene, New Hampshire, proposed merger with
Portsmouth Savings Bank -- report on competitive
factors.
Submitted, April 17, 1997.

Dallas

Community Bank of Texas, Beaumont, Texas, proposed
acquisition of the assets and assumption of the
liabilities of a branch of Wells Fargo Bank
(Texas), N.A., Houston, Texas, at 3535 Calder
Avenue, Beaumont, Texas -- report on competitive
factors.
Submitted, April 14, 1997.

Richmond

Exchange Bank of South Carolina, Kingstree, South
Carolina, proposed purchase of the assets and
assumption of the liabilities of the Andrews branch
of Wachovia Bank of South Carolina, National
Association, Charleston, South Carolina -- report
on competitive factors.
Submitted, April 16, 1997.

Dallas

First Bank of Natchitoches & Trust Company,
Nathchitoches, Louisiana, proposed merger with
First Bancshares of Natchitoches, Inc. -- report on
competitive factors.
Submitted, April 15, 1997.

Minneapolis

First Bank of South Dakota (National Association),
Sioux Falls, South Dakota (New), proposed purchase
of certain assets and assumption of certain
liabilities of First Bank of South Dakota (National
Association) -- report on competitive factors.
Submitted, April 14, 1997.

Minneapolis

First Bank System’s 17 Iowa Interim National Banks,
proposed merger with First Interim Bank of Des
Moines, National Association, Des Moines, Iowa -report on competitive factors.
Submitted, April 14, 1997.

H.2
APRIL 14, 1997
PAGE 7

TO

APRIL 18, 1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS




Minneapolis

First Interim Bank of Casper, Casper, Wyoming,
proposed merger with First Interim Bank of
Cheyenne, National Association, Cheyenne, Wyoming - report on competitive factors.
Submitted, April 1 4 , 1 9 9 7 .

Minneapolis

First National Bank of Waseca, Waseca, Minnesota,
proposed merger with Bank of Ellendale, Ellendale,
Minnesota -- report on competitive factors.
Submitted, April 1 8 , 1 9 9 7 .

Dallas

First Prosperity Bank, El Campo, Texas, proposed
acquisition of the assets and assumption of the
liabilities of a branch of Wells Fargo Bank
(Texas), N.A., Houston at 116 South Valasco,
Angleton, Texas -- report on competitive factors.
Submitted, April 1 7 , 1 9 9 7 .

Dallas

First State Bank, Austin, Texas, proposed acquisition
of the assets and assumption of the liabilities of
a branch of Wells Fargo Bank (Texas), N.A.,
Houston, Texas, at 1111 Highway 77 North,
Waxahachie, Texas -- report on competitive factors.
Submitted, April 1 5 , 1 9 9 7 .

Chicago

Old Second National Bank of Aurora, Aurora, Illinois,
proposed merger with First State Bank of Maple
Park, Maple Park, Illinois -- report on competitive
factors.
Submitted, April 1 6 , 1 9 9 7 .

Dallas

Peoples State Bank, Many, Louisiana, proposed merger
with First Bank of Natchitoches & Trust Company,
Natchitoches, Louisiana -- report on competitive
factors.
Submitted, April 1 5 , 1 9 9 7 .

St. Louis

Trans Financial Bank, National Association, Bowling
Green, Kentucky, proposed merger with Trans
Financial Bank, F.S.B., Russellville, Kentucky -report on competitive factors.
Submitted, April 1 8 , 1 9 9 7 .

H .2
APRIL 14, 1997
PAGE 8

TO

APRIL 18, 1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS
St. Louis

Trans Financial Bank Tennessee, National Association,
Cookeville, Tennessee, proposed purchase of the
assets and assumption of the liabilities of all the
Tennessee branches of Trans Financial Bank, F.S.B.,
Russellville, Kentucky -- report on competitive
factors•
Submitted, April 18, 1997.

San Francisco

Wells Fargo Bank, N.A., San Francisco, California,
proposed merger with Wells Fargo Bank (Colorado),
N.A., Denver, Colorado -- report on competitive
factors.
Submitted, April 14, 1997.

Dallas

WTSB Bank, Snyder, Texas, proposed merger with The
First National Bank of Rowena, Rowena, Texas -report on competitive factors.
Submitted, April 15, 1997.

EXTENSIONS OF TIME




San Francisco

Bank of Whitman Employee Stock Ownership Plan,
Colfax, Washington -- extension to July 23, 1997,
to acquire Whitman Bancorporation, Inc.
Granted, April 16, 1997.

Boston

Charter Oak Community Bank Corp., Vernon, Connecticut
-- extension to become a mutual holding company
through acquisition of The Savings Bank of
Rockville.
Granted, April 14, 1997.

Cleveland

Comunibanc Corp., Napoleon, Ohio -- extension to
acquire The Henry County Bank.
Granted, April 18, 1997.

Chicago

River Cities Bancshares, Inc., Wisconsin Rapids,
Wisconsin -- extension to July 28, 1997, to acquire
River Cities Bank.
Granted, April 17, 1997.

H.2
APRIL 14, 1997
PAGE 9

TO

APRIL 18, 1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

MEMBERSHIP




Richmond

Guaranty Bank, Charlottesville, Virginia - - t o become
a member of the Federal Reserve System.
Approved, April 15, 1997.

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

Application

SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY
Comment Period Ending Date
NONE

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
A p p lic a tio n

Comment Period Ending Date
NONE

SECTION III - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY
Application

Comment Period Ending Date
NONE

SECTION IV - APPLICATIONS NOT SUBJECT TO
FEDERAL REGISTER OR NEWSPAPER NOTICE
Application
NONE

S E C T I O N V - A V A I L A B I L I T Y OF C R A P U B L I C E V A L U A T I O N S

Institution

E x a m in a t io n D a te

Ra t i n g * *

NONE
SECTION VI - APPLICATIONS BULLETIN
Effective April 21, 1997, information regarding the comment periods associated
with applications and notices submitted to the Federal Reserve Bank of Boston
for processing under section 3 and 4 (c)(8) of the Bank Holding Company Act of
1956, as amended, will be available 24 hours a day by calling the following
toll-free number 1-800-896-9480.

♦Subject to CRA.
♦♦Rating Definitions:
"O" - Outstanding; "S" - Satisfactory; "N" - Needs to
Improve; "SN" - Substantial Noncompliance




FEDERAL RESERVE BANK OF NEW YORK
Comment Period
SECTION I
Applications Subject to Newspaper
_____ Notice Only_____
None.

SECTIO N !!
Applications Subject to Both
Newspaper and Federal Register Notice
None.

SECTION III
Nonban king Applications
(subject to Federal Register Notice Only 1
Deutsche Bank AG, Frankfurt, Germany, to acquire through Deutsche
Financial Services Corporation, Saint Louis, Missouri, Ganis Credit
Corporation, Newport Beach, California, and thereby engage in the
making and servicing o f loans.

N/A

The Industrial Bank o f Japan. Limited, Tokyo, Japan, to engage
through Aubrey G. Lanston & Co., Inc., New York, N ew York,
in (i) securities brokerage; (ii) riskless principal transactions; (iii) private
placement services and other transactional services; (iv) data processing;
(v) financial and investment advisory services; (vi) futures commission
merchant activities; (vii) underwriting and dealing in government
obligations and money market instruments; and (vii) investing and trading
activities with respect to foreign exchange and forward contracts,
options, futures, options on futures, swaps, and similar contracts
when traded on exchanges or not, based on any rate, price, financial asset,
nonfinancial asset or group o f assets.

N /A

Commerzbank, AG, Frankfurt, Germany, to acquire through CAM
Acquisition, LLC, a Delaware corporation, Montgomery Asset
Management LP, San Francisco, California, and thereby engage
indirectly through Montgomery Asset Management, LLC in:
(i) financial ana investment advisory activities; (ii) agency transactional
services for customer investments, including securities brokerage
services and private placement services; and (iii) the provision o f
certain administrative services for investment companies.

N /A




SECTION IV
A pplications Not Involving
___ Public Comment
N one.

SE.C TJQ N .V
A vailability o f CRA Public Evaluations
In connection w ith the assessm ent o f each insured depository institution's
CRA performance, a rating is assigned from the follow ing group:
Outstanding record o f m eeting com m unity credit needs.
An institution in this group has an outstanding record of, and
is a leader in, ascertaining and helping to m eet the credit
needs o f its entire delineated com m unity, including low - and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record o f m eeting community credit needs.
An institution in this group has a satisfactory record o f ascertaining
and helping to m eet the credit needs o f its entire delineated
com m unity, including low - and moderate- incom e neighborhoods,
in a manner consistent w ith its resources and capabilities.
N eeds to improve record o f m eeting com m unity credit needs.
An institution in this group needs to improve its overall record
o f ascertaining and helping to m eet the credit needs o f its entire
delineated com m unity, including low - and moderate incom e
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncom pliance in m eeting community credit needs.
A n institution in this group has a substantially deficient
record o f ascertaining and helping to m eet the credit needs o f its entire
delineated com m unity, including low - and moderate- incom e
neighborhoods, in a manner consistent w ith its resources and capabilities.

Week Ending April 19 , 19 7
9
NAM E OF BANK

RATING

N one.
1 / Subject to provisions o f Community Reinvestm ent Act.
2 / Later o f dates specified in newspaper and Federal R egister notices.
3 / Date specified in newspaper notice; a later date may be specified in
the Federal R egister notice.
4 / Date specified in Federal Register notice; a later date may be
specified in the newspaper notice.
N /A - Not Available




EXAM INATION DATE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEW SPAPER
NOTICE ONLY
W ilm ington Trust o f Pennsylvania. W est C hester, PA to establish two branch offices at 402
Lancaster A venue, Haverford, PA and One Liberty Place, 1850 Market Street, 51st Floor,
Philadelphia, PA , pursuant to Section 9 o f the Federal Reserve A ct.
Newspaper com m ent period expires:

05/03/97

SECTION n - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEW SPAPER
AND FEDERAL REGISTER NOTICE
Century Bancorp. MHC and Century Bancorp. Inc., both o f Bridgeton, NJ to becom e bank
holding com panies through the acquisition o f Century Bancorp, In c., and Century Savings
Bank, Bridgeton, NJ, respectively, pursuant to Section 3(a)(1) o f the Bank Holding Company
A ct.
Newspaper comment period expires:
04/25/97
Federal R egister com m ent period expires: N /A vail
Susquehanna Bancshares. Inc.. Lititz , PA to acquire 100 percent o f the voting shares o f
Founders Bank, Bryn M awr, PA , pursuant to Section 3(a)(3) o f the Bank H olding Company
A ct.
Newspaper com m ent period expires:
Federal R egister com m ent period expires:

N /A vail
N /A vail

SECTION m - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL
REGISTER NOTICE ONLY
NONE
SECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL
REGISTER NOTICE OR NEW SPAPER




NONE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
The follow ing institutions w ere exam ined for CRA. The 30-business day period the bank has
to make the evaluation public has lapsed during the w eek ending April 18, 1997.

Identification o f R atings
In connection w ith the assessm ent o f each insured depository institution's CRA perform ance, a
rating is assigned from the follow ing groups:
Outstanding record o f m eeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in, ascertaining and
helping to m eet the credit needs o f its entire delineated com m unity, including low - and
m oderate-incom e neighborhoods, in a manner consistent w ith its resources and capabilities.
Satisfactory record o f m eeting com m unity credit needs.
An institution in this group has a satisfactory record o f ascertaining and helping to m eet the
credit needs o f its entire delineated com m unity, including low - and m oderate-incom e
neighborhoods, in a manner consistent with its resources and capabilities.
Needs to im prove record o f m eeting community credit needs.
An institution in this group needs to improve its overall record o f ascertaining and helping to
m eet the credit needs o f its entire delineated com m unity, including low - and m oderate-incom e
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncom pliance in m eeting community credit needs.
A n institution in this group has a substantially deficient record o f ascertaining and helping to
m eet the credit needs o f its entire delineated com m unity, including low - and m oderate-incom e
neighborhoods, in a manner consistent with its resources and capabilities.
Bank/Location

Exam ination Date

CRA Rating

NONE

NONE

NONE




APPLICATIONS BULLETIN
(For the week ending A pril 19,1997)

SECTION I - APPLICATIONS SUBJECT TO NEW SPAPER NOTICE ONLY
Received notice from The Marblehead Bank, Marblehead, OH
on April 15, 1997, o f its intent to establish a branch at 259
South Bridge R d., Danbury T w p., OH.

* May 11, 1997

SECTIO N n - APPLICATIONS SUBJECT TO BOTH NEW SPAPER AND FEDERAL
REGISTER NOTICE
Received Section 3(a)(1) and 4(c)(8) applications from FirstFederal
Financial Services Corp, W ooster, OH, on April 17, 1997, to acquire
100 percent o f the voting shares o f First Federal Savings and Loan
A ssociation o f W ooster (to be know as FirstFederal Bank, N .A .),
W ooster, Ohio and engage in manufactured home loan activities.

*F: May 17, 1997

Received Section 3(a)(5) and 4(c)(8) applications from FirstFederal
Financial Services Corp, W ooster, OH on April 17, 1997 to acquire
100 percent o f the voting share o f Summit Bancorp, Akron, Ohio and
engage in securities brokerage activities.

*F: May 17, 1997

SECTION HI - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
NONE

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEW SPAPER NOTICE
R eceived notice from M ellon Bank Corporation, Pittsburgh, PA on April 18, 1997, to acquire
Buck Consultants, Inc., N ew York, NY and engage in em ployee benefits consulting activities
pursuant Section 4(c)(8) o f the Bank Holding A ct. To acquire foreign subsidiaries in England,
Canada, Australia, Trinidad, Germany, Belgium , France, and M exico.

* - Subject to CRA
N - Newspaper Comment Period
F - Federal R egister Comment Period
# - Expected to End 30 Days from Date o f Receipt



A V A ILA BILITY O F C RA PU BLIC EV ALU A TIO N S
(April 18, 1997)
The follow ing state member banks have been exam ined by the Federal Reserve Bank o f
Cleveland for compliance with The Community Reinvestment Act. A public evaluation docum ent
became available from the bank(s) listed below during the week ended April 18, 1997. If you are
interested in obtaining a copy o f an evaluation docum ent, please contact the bank(s) directly.
There are four descriptive ratings for CRA:
OUTSTANDING: a bank in this group has an outstanding record o f, and is a leader in,
ascertaining and helping to m eet the credit needs o f its entire delineated com m unity, including
low - and m oderate-incom e neighborhoods, in a manner consistent with its resources and
capabilities.
SA T ISFA C TO R Y : a bank in this group has a satisfactory record o f ascertaining and
helping to m eet the credit needs o f its entire delineated com m unity, including low - and
m oderate-incom e neighborhoods, in a manner consistent with its resources and capabilities.
N E E D S TO IM PR O V E: a bank in this group needs to improve its overall record o f
ascertaining and helping to m eet the credit needs o f its entire delineated com m unity, including
low - and m oderate-incom e neighborhoods, in a manner consistent with its resources and
capabilities.
SUBSTANTIAL NO N COM PLIANCE: a bank in this group has a substantially deficient
record o f ascertaining and helping to m eet the credit needs o f its entire delineated com m unity,
including low - and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
The Chippewa V alley Bank
20 South Main Street
Rittman, OH 44270
Rating: Outstanding
Exam. Date: 8-13-96
D isclosure Date: 4-3-97
R SSD #90627
Fifth Third Bank o f Columbus
21 East State Street
Colum bus, OH 43215
Rating: Outstanding
Exam. Date: 12-2-96
D isclosure Date: 4-7-97
R SSD #210911
The Sabina Bank
135 N . Howard Street
P.O . Box 157
Sabina, OH 45169
Rating: Satisfactory
Exam. Date: 1-27-97
D isclosure Date: 4-10-97
R
 SSD #159627


Federal Reserve Bank of Richmond

Section I - Applications Subject to Newspaper
Notice Only

Comment P erio d .Sliding P a te

Application
F & M Bank-Blakeley, Ranson, West
Virginia, to establish a branch inside
the Wal-Mart SuperCenter, 4 Charles
Town Plaza, Charles Town, West Virginia.*

5-13-97

Section II - Applications Subject to Both

Newspaper and F ed eral R e g is te r N o tic e
Application

Comment Period Ending Date

None.

Section III - Applications Subject to Federal Register Notice

A p p lic a tio n

Comment Period Ending Date

None.

Section IV - Application Not Subject to
Federal Register Notice or Newspaper Notice

AppliCfrtiQn
NationsBank Corporation, Charlotte,
North Carolina, to make a portfolio
investment through a wholly owned
subsidiary in up to 10% of the shares
of Valecom, Rio de Janeiro, Brazil.

♦Application is subject to CRA requirements.




Federal Reserve Bank of Richmond

Section V - Availability of CRA Public Evaluations
Week ending April 18, 1997

PefinitiQn,

Ratings

Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner con­
sistent with its resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record of ascer­
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of ascer­
taining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.

RSSD
Number
163923




Name Qf PfrhK
F & M Bank-Northern Virginia
4117 Chain Bridge Road
Fairfax, Virginia 22030-1087

Examination
Date

1-27-97

Rating

Satisfactory

Federal Reserve Bank o f Atlanta
Applications Bulletin for W eek Ending April 18. 1997

Section 1 - Applications Subject to Newspaper N otice Only
Application

Comment Period Ending Date

Aliant Bank
05-06-97
Alexander C ity, Alabama
To establish a branch located at 1100 Corporate Parkway, H oover, Alabama
AmSouth Bank o f Tennessee
04-29-97
Chattanooga, Tennessee
To establish a branch located at 8105 M oore’s Lane, Brentwood, Tennessee, pursuant to Section 9
o f the Federal R eserve A ct.
AmSouth Bank o f Tennessee
05-20-97
Chattanooga, Tennessee
To establish a branch located at 2017 M allory Lane, Franklin, Tennessee, pursuant to Section 9
o f the Federal R eserve A ct.

Section 2 - Applications Subject to Both
Newspaper and Federal R egister N otice
Application

Comment Period Ending Date

Compass Bancshares, Inc.
05-12-97*
Birmingham, Alabama
Federal Register
A long with Compass Bank o f Texas, Inc., Birmingham, Alabama, and Compass Bancorporation
o f Texas, In c., W ilm ington, Delaware, to merge w ith Central Texas Bancorp, In c., W aco, Texas,
and thereby indirectly acquire The National Bank o f W aco, W aco, Texas.
Pinnacle Bancshares, Inc.
Thomson, Georgia
1-BHC form ation, M cD uffie Bank & Trust, Thom son, Georgia.

05-06-97*
Newspaper

Premier Bancshares, Inc.
05-12-97*
Atlanta, Georgia
Federal R egister
To m erge with Central and Southern Holding Company, M illedgeville, G eorgia, and thereby
directly acquire its bank subsidiary, Central and Southern Bank o f G eorgia, M illedgeville,
G eorgia, pursuant to Section 3(a)(5) o f the Bank H olding Company Act.

* Subject to the provisions of the Community Reinvestment Act.




Federal Reserve Bank o f Atlanta
Applications Bulletin for Week Ending April 18. 1997

S e c tio n 3 - A p p lic a tio n s S u b je c t to F e d e ra l R e g is te r O n ly
A p p lic a tio n

C o m m e n t P e rio d E n d in g D a te

P re m ie r B a n c s h a re s , In c .

0 5 -1 2 -9 7

A tla n ta , G e o rg ia
T o a c q u ir e C e n tra l a n d S o u th e rn B a n k o f N o rth G e o rg ia , G re e n s b o ro , G e o rg ia , a n d th e re b y
e n g a g e in o p e ra tin g a sav in g s a s s o c ia tio n , p u rs u a n t to S e c tio n 2 2 5 .2 5 (b )(9 ) o f R e g u la tio n Y a n d
S e c tio n 4 (c )(8 ) o f th e B a n k H o ld in g C o m p a n y A c t.

S e c tio n 4 - A p p lic a tio n s N o t S u b je c t to
F e d e ra l R e g is te r N o tic e o r N e w s p a p e r N o tic e

Application
N one.




Federal Reserve Bank o f Atlanta
Applications Bulletin for Week Ending April 18. 1997

S e c tio n 10 - A v a ila b ility o f C R A P u b lic E v a lu a tio n s
T h e C R A p u b lic e v a lu a tio n s o f th e in s u re d d e p o s ito ry in stitu tio n s lis te d b e lo w b e c a m e a v a ila b le
d u rin g th is w e e k .

In fo rm a tio n a b o u t a n in s titu tio n 's C R A e v a lu a tio n m a y b e o b ta in e d d ire c tly

fr o m th e in stitu tio n . In c o n n e c tio n w ith th e a ss e ss m e n t o f a n in s titu tio n 's C R A p e rfo rm a n c e , a
ra tin g is a s s ig n e d fr o m th e fo llo w in g g ro u p s:

Outstanding r e c o r d o f m e e tin g c o m m u n ity c r e d i t n e e d s : A n in s titu tio n h a s a n o u tsta n d in g
r e c o r d o f, a n d is a le a d e r in , a s c e rta in in g a n d h e lp in g to m e e t th e c r e d it n e e d s o f its e n tire
d e lin e a te d c o m m u n ity , in c lu d in g lo w - a n d m o d e ra te -in c o m e n e ig h b o rh o o d s , in a m a n n e r
c o n s is te n t w ith its re s o u rc e s a n d c a p a b ilitie s.
S a t i s f a c t o r y r e c o r d o f m e e tin g c o m m u n ity c r e d i t n e e d s : A n in s titu tio n h a s a sa tis fa c to ry re c o rd
o f a s c e rta in in g a n d h e lp in g to m e e t th e c r e d it n e e d s o f its e n tire d e lin e a te d c o m m u n ity , in c lu d in g
lo w - a n d m o d e ra te -in c o m e n e ig h b o rh o o d s , in a m a n n e r c o n s is te n t w ith its re s o u rc e s a n d
c a p a b ilitie s .
N e e d s t o im p r o v e r e c o r d o f m e e tin g c o m m u n ity c r e d i t n e e d s : A n in s titu tio n n e e d s to im p ro v e
its o v e r a ll re c o rd o f a s c e rta in in g a n d h e lp in g to m e e t th e c r e d it n e e d s o f its e n tire d e lin e a te d
c o m m u n ity , in c lu d in g lo w - a n d m o d e ra te -in c o m e n e ig h b o rh o o d s , in a m a n n e r c o n s is te n t w ith its
re s o u rc e s a n d c a p a b ilitie s.
S u b s ta n t ia l n o n c o m p lia n c e in m e e tin g c o m m u n ity c r e d i t n e e d s :

A n in s titu tio n h a s a

s u b s ta n tia lly d e fic ie n t re c o rd o f a s c e rta in in g a n d h e lp in g to m e e t th e c r e d it n e e d s o f its e n tire
d e lin e a te d c o m m u n ity , in c lu d in g lo w - a n d m o d e ra te -in c o m e n e ig h b o rh o o d s , in a m a n n e r
c o n s is te n t w ith its re s o u rc e s a n d c a p a b ilitie s.

Bank

CRA Rating

T h e B ra n d B a n k in g C o m p a n y
P . O . B o x 1110
L a w re n c e v ille , G e o rg ia 3 0 2 4 6
(7 7 0 ) 9 6 3 -9 2 2 5

S a tisfa c to ry

0 1 -0 6 -9 7

C o m m e rc ia l B a n k o f F lo r id a

S a tisfa c to ry

0 1 -0 6 -9 7

1 5 5 0 S . W . 5 7 th A v e n u e
M ia m i, F lo r id a 3 3 1 4 4
(3 0 5 ) 2 6 7 -1 2 0 0




E xam ination D ate

Federal Reserve Bank o f Atlanta
Applications Bulletin for Week Ending April 18. 1997

R e c e n tly A p p ro v e d A p p lic a tio n s
A m S o u th B a n k o f A la b a m a
B irm in g h a m , A la b a m a

A p p ro v a l P a t e
0 4 -1 4 -9 7

T o m e rg e w ith A m S o u th B a n k o f W a lk e r C o u n ty , J a s p e r, A la b a m a , p u rs u a n t to S e c tio n 18(c) o f
th e F e d e ra l D e p o s it In s u ra n c e A c t.
A m S o u th B a n k o f A la b a m a

0 4 -1 4 -9 7

B irm in g h a m , A la b a m a
T o m e rg e w ith A m S o u th B a n k o f F lo r id a , T a m p a , F lo r id a , p u rs u a n t to S e c tio n 18(c) o f th e
F e d e r a l D e p o sit In s u ra n c e A c t.
A m S o u th B a n k o f A la b a m a
0 4 -1 4 -9 7
B irm in g h a m , A la b a m a
T o m e rg e w ith A m S o u th B a n k o f G e o rg ia , R o m e , G e o rg ia , p u rs u a n t to S e c tio n 18(c) o f th e
F e d e ra l D e p o s it In s u ra n c e A c t.
A m S o u th B a n k o f A la b a m a
0 4 -1 4 -9 7
B irm in g h a m , A la b a m a
T o m e rg e w ith A m S o u th B a n k o f T e n n e s s e e , C h a tta n o o g a , T e n n e s s e e , p u rs u a n t to S e c tio n 1 8 (c)
o f th e F e d e ra l D e p o s it In s u ra n c e A c t.
F ir s t N e w to n B a n k

0 4 -1 4 -9 7

C o v in g to n , G e o rg ia
T o e s ta b lis h a b r a n c h o ffic e lo c a te d a t 1767 R o c k Q u a rry R o a d , S to c k b rid g e , G e o rg ia , p u rs u a n t
to S e c tio n 9 o f th e F e d e r a l R e s e rv e A c t.




Federal Reserve Bank of Chicago
S ectio n I - A p p licatio n s S u b ject to N e w sp ap er
N o tice O n ly

Comment Period
Ending Date

Type

Application

M e rg e r & B ran ch

S ecu rity S avings B ank
F arn h a m v ille, Io w a
B o x h o lm , Io w a b ra n ch o ffic e o f
B oone B ank an d T ru st C o m p an y
B o o n e, Io w a
B ran ch a t 2 0 0 2 n d S treet
B o x h o lm , Io w a

N P - 4 -3 0 -9 7

M e rg e r & B ran ch

O ld K en t B ank
G ra n d R ap id s, M ich ig an
C o m m e rcial an d S avings B ank o f S t. C la ire C o u n ty
S ain t C la ire , M ich ig an
A lg o n ac S avings B ank
A lg o n ac , M ich ig an
an d to estab lish IS b ran ch es

N P - 4 -1 5 -9 7

M e rg e r & B ran ch

M & I M ad iso n B ank
M ad iso n , W isco n sin
M & I B an k S o u th w est
S p rin g G re e n , W isco n sin
an d to estab lish 11 b ran ch es

NP . **

M e rg e r & B ran ch

H u ro n C o m m u n ity B ank
E a st T aw as, M ich ig an
A u G res M ich ig an b ra n c h o f C itize n s B an k
F lin t, M ich ig an
B ran ch a t 3 1 5 0 E ast H u ro n R o ad
A u G re s, M ich ig an

N P - 5 -7-97

M e rg e r & B ran ch

Q u ad C ity B ank an d T ru st C o m p an y
B etten d o rf, Io w a
Q uad C ity B ank an d T rust-IU inois
M o lin e, Illin o is
B ranch a t 3551 S eventh S treet
M o lin e , Illin o is

N P-**




Federal Reserve Bank of Chicago
S ectio n I - A pp licatio n s S u b ject to N e w sp ap er
N o tice O n ly c o n t’d

lyps

Application

M e rg e r & B ran c h

C itize n s B ank
F lin t, M ic h ig a n
C ity B an k an d T ru st C o m p an y
Jac k so n , M ich ig an
C ity B ank
S t. Jo h n s, M ich ig an
C B N o rth
C h arlev o ix , M ich ig an
an d to estab lish 33 b ra n ch es

Comment Period
Ending Date
N P-**

B ran c h

O ld K en t B an k
G ra n d R ap id s, M ich ig an
to e stab lish a m o b ile b ra n c h

N P - 4 -2 8 -9 7

B ran ch

B an k o f Illin o is in N o rm a l
N o rm a l, Illin o is
to e stab lish a b ra n c h a t 4 03 N o rth V e te ran s P ark w a y
B lo o m in g to n , Illin o is

N P - 4 -2 2 -9 7

M e rg e r & B ran c h

B ran c h




M & I B an k o f Jan esv ille
Jan e sv ille , W isc o n sin
M & I B ank o f B elo it
B elo it, W isco n sin
M & I B an k o f D e la v an
D e la v an , W isco n sin
a n d to estab lish 7 b ra n ch es
M & I B an k o f B u rlin g to n
B u rlin g to n , W isco n sin
545 5 S h erid an R o ad
K en o sh a, W isco n sin

N P-**

N P - 4 -2 5 -9 7

M em b ersh ip

C o m m u n ity S av in g s B ank (in o rg an izatio n )
R o b in s, Io w a
T o b eco m e a m e m b e r o f th e F e d e ra l R eserve S y stem

N P - N e w sp ap er
F R - F ed eral R eg ister
* - S u b ject to P ro v isio n s o f C o m m u n ity R ein v estm en t A ct
** - N o t av ailab le at th is tim e




NP - **

Federal Reserve Bank of Chicago
S ectio n II - A p p licatio n s S u b ject to B oth N e w sp ap er and F ed eral
R e g iste r N o tice
C o m m e n t P erio d

Ending Pate

Type

A p p licatio n

3 (a)(1)

C H an d JD B y ru m , L L C *
In d ian a p o lis, In d ian a
A m eric an S tate C o rp o ra tio n
L aw ren ceb u rg , In d ian a
A m eric an S tate B ank
L aw ren c eb u rg , In d ian a

F R - 4-1 4 -9 7
N P - 3-26-97

3(a)(3 )

N a tio n al C an to n B an csh a res, In c .*
C an to n , Illinois
S tu rm In v estm en t, Inc.
D e n v er, C o lo rad o
U n io n N atio n al B ank o f M ac o m b
M ac o m b , Illinois

F R - 4-1 8 -9 7
N P - 4-1 3 -9 7

3 (a)(3 )

O ld S econd B an co rp , In c .*
A u ro ra , Illin o is
M ap le P a rk B an csh ares, Inc.
M ap le P a rk , Illinois
F irst S tate B ank o f M ap le P a rk
M ap le P a rk , Illin o is

F R - 4 -4 -9 7
N P - 4 -1 4 -9 7

C o C -H C

O sceola B a n co rp o ratio n
O sceo la, Io w a
B y D en is L . A n d S an d ra K ale

F R - 4-1 6 -9 7
N P - **

3 (a)(3)

P ark w ay B an co rp , In c .*
H a rw o o d H e ig h ts, Illin o is
Je ffe rso n H o ld in g C o rp .
C h icag o , Illin o is
Jefferso n S tate B an k
C h icag o , Illinois

F R - 4-2 1 -9 7
N P - 4-2 0 -9 7

C O C -H C

L eig h to n In v estm en t C o m p an y
L eig h to n , Io w a
B y H e le n G lending a n d H a ro ld A . and E th el R . D e B ru in

F R - 4 -1 1 -9 7
N P - 4 -2 6 -9 7




Federal Reserve Bank of Chicago
S ectio n II - A p p licatio n s S u b ject to B oth N e w sp ap er an d F ed eral

Register Notice cont’d
Comment Period
Ending Date

Type

A p p licatio n

3 (a)(3)

A m co re F in a n cial, In c .*
R o ck fo rd , Illin o is
C o u n try B ank S hares C o rp o ra tio n
M o u n t H o re b , W isco n sin
C itizen s S tate B ank
C lin to n , W isco n sin
M o n tello S tate B an k
M o n tello , W isco n sin
S tate B ank o f A rg y le
A rg y le , W isco n sin
State B ank o f M o u n t H o re b
M o u n t H o re b , W isco n sin
B elleville B ancshares C o rp o ra tio n
B elleville, W isco n sin
B elleville S tate B ank
B elleville, W isco n sin

F R - 4 -2 2 -9 7
N P - 4 -1 7 -9 7

3 (a)(5)

M arsh all & Ilsey C o rp o ra tio n *
M ilw au k ee, W isco n sin
S ecu rity C ap ital C o rp o ra tio n
M ilw au k ee , W isco n sin
S ecu rity B ank, S .S .B .
M ilw au k ee, W isco n sin

F R - 5 -5-97
N P - 4 -2 7 -9 7

3 (a)(5)

C itizen s B anking C o rp o ratio n *
F lin t, M ich ig an
C B F in a n cial C o rp o ra tio n
Jac k so n , M ich ig an
C ity B ank & T ru st C o m p an y
Jac k so n , M ich ig an
C ity B ank
St. Jo h n s, M ich ig an
C B N o rth
C h a rle v o ix , M ich ig an

F R - 5 -8-97

N E B C o rp o ra tio n *
F o n d d u L ac , W isco n sin
S tate B ank o f St. C lo u d
S t. C lo u d , W isco n sin

F R - 5 -5 -9 7
N P - 4 -3 0 -9 7

3(a)(3)




NP - **

Federal Reserve Bank of Chicago
S ectio n II - A p p licatio n s S ubject to B oth N e w sp ap er and F ed eral
R e g ister N o tice c o n t’d

Comment Period
Ending Date

lype

A p p licatio n

3 (a)(5)

F & M B an co rp o ratio n , In c .*
K au k au n a, W isco n sin
C itize n s N a tio n al B an co rp , Inc.
D a rlin g to n , W isco n sin
C itize n s N a tio n al B ank o f D a rlin g to n
D a rlin g to n , W isco n sin

F R - 5-1 2 -9 7
N P - 5-12-97

3 (a)(5)

F & M M e rg e r C o rp o ra tio n *
K au k au n a, W isco n sin
C itize n s N a tio n al B an co rp , Inc.
D a rlin g to n , W isco n sin
C itize n s N a tio n al B ank o f D a rlin g to n
D a rlin g to n , W isco n sin

F R - 5 -1 2 -9 7
N P - 5 -1 2 -9 7

3 (a)(5)

F & M B an co rp o ratio n , In c .*
K a u k au n a, W isco n sin
W isc o n sin B an C o rp .
P ra irie d u C h ien , W isco n sin
P ra irie C ity B an k
P ra irie d u C h ien , W isco n sin

F R - 5-1 2 -9 7
N P - 5 -7 -9 7

3 (a)(5)

F & M M e rg e r C o rp o ra tio n *
K a u k au n a, W isco n sin
W isco n sin B an C o rp .
P ra irie d u C h ien , W isco n sin
P ra irie C ity B ank
P ra irie d u C h ien , W isco n sin

F R - 5 -1 2 -9 7
N P - 5 -7-97

3(a)(3 )

C o u n try B an co rp o ratio n *
C ra w fo rd sv ille , Io w a
H iaw ath a B ank and T ru st C o m pany (in o rg a n iz atio n )
H iaw ath a, Io w a

F R - 5-1 2 -9 7
N P - 4 -7 -9 7

3 (a)(3 )

C o m m u n ity F in an cial C o rp .*
E d g e w o o d , Io w a
C o m m u n ity S avings B ank (in o rg a n iz atio n )
R o b in s, Io w a

PR _ **




N P - 3-3 1 -9 7

Federal Reserve Bank of Chicago
S ection II - A p p licatio n s S ubject to B oth N e w sp ap er and F ed eral
R eg ister N o tice c o n t’d

Comment Period
Ending Date

l^P-g

A p p licatio n

3 (a)(1)

P eoples F in a n cial S erv ices, In c .*
H am tra m ck , M ich ig an
P eo p les S tate B ank
H a m tra m ck , M ich ig an

FR -**
N P - 5-1 0 -9 7

3 (a)(1)

D u n n In v e stm en t C o .*
E ag le G ro v e , Io w a
D u n n S hares
E ag le G ro v e, Io w a
F & M S hares C o rp .
E ag le G ro v e , Io w a
F arm ers & M erch an ts S avings B ank
M an c h ester, Io w a

F R - 5-1 6 -9 7

3(a)(3)

S h o reb an k C o rp o ra tio n *
C h icag o , Illin o is
S h o reb an k P acific C o rp o rtio n
Ilw aco, W ash in g to n
S h o retru st B ank
S eattle, W a sh in g to n

F R - 5-1 7 -9 7
N P - **

3(a)(1)

S h o reb an k P acific C o rp o ra tio n *
Ilw aco , W a sh in g to n
S h o retru st B ank
S eattle, W a sh in g to n

F R - 5-1 7 -9 7
N P - **




NP - **

Federal Reserve Bank of Chicago
S ectio n III - A p p licatio n s S u b je ct to F e d e ra l R eg ister
N o tice O n ly
C o m m e n t P e rio d

Type

A p p licatio n

4 (c)(8 )

S h o reb an k P acific C o rp o ra tio n
Ilw aco , W a sh in g to n
S h o retru st T ra d in g G ro u p
Ilw a co , W a sh in g to n

Ending .Pate
F R - 5 -1 7 -9 7

S ectio n IV - A p p licatio n s N o t S u b ject to F e d e ra l R eg ister o r N e w sp a p e r N o tice

Type
NONE




Application

Federal Reserve Bank o f Chicago
S e c tio n V - A v a ila b ility o f C R A P u b lic E v a lu a tio n s

T h e fo llo w in g sta te m e m b e r b a n k s h a v e b e e n e x a m in e d b y th e F e d e ra l R e s e rv e B a n k o f C h ic a g o fo r
c o m p lia n c e w ith th e C R A . T h e 3 0 -b u sin e ss d a y p e r io d th e b a n k h a s to m a k e th e e v a lu a tio n p u b lic h a s la p s e d
d u rin g th e w e e k e n d in g A p ril 18, 199 7 . I f y o u a r e in te re ste d in o b ta in in g a c o p y o f th e e v a lu a tio n d o c u m e n t,
p le a s e c o n ta c t th e b a n k (s ) d ire c tly .
Id e n tific a tio n o f R a tin g s
O -

A n in s titu tio n in th is g ro u p h a s a n o u ts ta n d in g re c o rd o f, a n d is a le a d e r in ,
a s c e rta in in g a n d h e lp in g to m e e t th e c r e d it n e e d s o f its e n tire d e lin e a te d c o m m u n ity ,
in c lu d in g lo w - a n d m o d e ra te -in c o m e n e ig h b o rh o o d s , in a m a n n e r c o n s is te n t w ith its
re s o u rc e s a n d c a p a b ilitie s.

S -

A n in s titu tio n in th is g ro u p h a s a s a tis fa c to ry re c o rd o f a s c e rta in in g a n d h e lp in g
to m e e t th e c re d it n e e d s o f its e n tire d e lin e a te d c o m m u n ity , in c lu d in g lo w - a n d
m o d e ra te -in c o m e n e ig h b o rh o o d s , in a m a n n e r c o n s is te n t w ith its re s o u rc e s a n d
c a p a b ilitie s.

NI -

A n in s titu tio n in th is g ro u p h a s a n e e d s to im p ro v e its o v e ra ll re c o rd o f a sc e rta in in g
a n d h e lp in g to m e e t th e c r e d it n e e d s o f its e n tire d e lin e a te d c o m m u n ity , in c lu d in g
lo w - a n d m o d e ra te -in c o m e n e ig h b o rh o o d s , in a m a n n e r c o n s is te n t w ith its re s o u rc e s
a n d c a p a b ilitie s.

SN -

A n in s titu tio n in th is g ro u p h a s a s u b sta n tia l n o n c o m p lia n c e re c o rd o f a s c e rta in in g
a n d h e lp in g to m e e t th e c r e d it n e e d s o f its e n tire d e lin e a te d c o m m u n ity , in c lu d in g
lo w - a n d m o d e ra te -in c o m e n e ig h b o rh o o d s , in a m a n n e r c o n s is te n t w ith its re s o u rc e s
a n d c a p a b ilitie s.




B A N K N A M E /L O C A T IO N
F ir s t B a n k & T ru s t o f E v a n s to n
8 0 0 C h u rc h S tre e t
E v a n s to n , Illin o is 6 0 2 0 1
(8 4 7 ) 7 3 3 -7 4 0 0

E X A M IN A T IO N D A T E
1 2 /1 6 /9 6

R A T IN G S
S

St. Louis Federal Reserve Bank

RESERVE BANK APPLICATIONS BULLETIN

For week ending

April 18, 1997

S E C T IO N I - A P P L IC A T IO N S S U B JE C T T O N E W S P A P E R N O T IC E
A pplication

End of Comment Period

N one.

S E C T IO N I I - A P P L IC A T IO N S S U B JE C T T O B O T H
N E W S P A P E R A N D F E D E R A L R E G IS T E R N O T IC E
A pplication

En d of Comment Period

C h a n g e in c o n tro l n o tific a tio n in v o lv in g
F ir s t C e c ilia n B a n c o rp , I n c ., C e c ilia ,
K e n tu c k y , b y C . P e te r M a h u r in a n d
D ix ie C . M a h u r in (p re v io u s ly re p o rte d
d u rin g th e w e e k e n d in g A p ril 11, 1 9 9 7 ).

F e d e r a l R e g i s t e r 4 -3 0 -9 7

C h a n g e in c o n tro l n o tific a tio n in v o lv in g
M o u n ta in H o m e B a n c s h a re s , I n c .,
M o u n ta in H o m e , A rk a n s a s , b y C o ffm a n
F a m ily L L C , H a r r is o n , A rk a n s a s (p re v io u s ly
re p o rte d d u rin g th e w e e k e n d in g A p ril 11,
1 9 9 7 ).

F e d e r a l R e g is te r : 5 -2 -9 7

S E C T IO N I I I - A P P L IC A T IO N S S U B JE C T T O F E D E R A L R E G IS T E R N O T IC E
Application

En d of Comment Period

N one.

S E C T IO N IV - A P P L IC A T IO N S N O T S U B JE C T T O F E D E R A L R E G IS T E R N O T IC E
O R N E W S P A P E R N O T IC E
A pplication
N one.




End of Comment Period

St. Lewis Federal Reserve Bank

RESERVE BANK APPLICATIONS BULLETIN

For week ending

April 18. 1997

S E C T IO N V - A V A IL A B IL IT Y O F C R A P U B L IC D IS C L O S U R E S
I d e n ti f i c a t io n o f R a tin g s :

Outstanding record o f meeting community credit needs
A n in s titu tio n in th is g ro u p h a s a n o u ts ta n d in g re c o rd o f, a n d is a le a d e r in , a s c e rta in in g a n d h e lp in g
to m e e t th e c r e d it n e e d s o f its e n tire d e lin e a te d c o m m u n ity , in c lu d in g lo w - a n d m o d e ra te -in c o m e
n e ig h b o rh o o d s , in a m a n n e r c o n s is te n t w ith its re s o u rc e s a n d c a p a b ilitie s.

Satisfactory record o f meeting community credit needs
A n in s titu tio n in th is g ro u p h a s a s a tis fa c to ry re c o rd o f a s c e rta in in g a n d h e lp in g to m e e t th e c re d it
n e e d s o f its e n tire d e lin e a te d c o m m u n ity , in c lu d in g lo w - a n d m o d e ra te -in c o m e n e ig h b o rh o o d s , in a
m a n n e r c o n s is te n t w ith its re s o u rc e s a n d c a p a b ilitie s.

Needs to improve record o f meeting community credit needs
A n in stitu tio n in th is g ro u p n e e d s to im p ro v e its o v e ra ll re c o rd o f a s c e rta in in g a n d h e lp in g to m e e t
th e c r e d it n e e d s o f its e n tire d e lin e a te d c o m m u n ity , in c lu d in g lo w - a n d m o d e ra te -in c o m e
n e ig h b o rh o o d s , in a m a n n e r c o n s is te n t w ith its re s o u rc e s a n d c a p a b ilitie s.

Substantial noncompliance in meeting community credit needs
A n in s titu tio n in th is g ro u p h a s a su b sta n tia lly d e fic ie n t re c o rd o f a s c e rta in in g a n d h e lp in g to m e e t
th e c r e d it n e e d s o f its e n tire d e lin e a te d c o m m u n ity , in c lu d in g lo w - a n d m o d e ra te -in c o m e
n e ig h b o rh o o d s , in a m a n n e r c o n s is te n t w ith its re s o u rc e s a n d c a p a b ilitie s.

B ank R SSD
N um ber

N am e o f B ank

833646

C ity B a n k & T ru s t o f M o b e rly




B ank
A d d re ss

E x a m in a tio n
D a te

M o b e r ly , M O

1/13/97

Examination
R a tin g

S a tisfa c to ry

F E D E R A L R E S E R V E B A N K O F M IN N E A P O L IS
Section I - A pplications Subject to
N ew spaper N otice O nly

Comment Period
Ending Date

A pplication
F irst Interstate B ank o f C om m erce, B illings, M ontana
to establish a branch in B ozem an, M ontana. *

* Subject to

M ay 8 ,1 9 9 7

CRA
F E D E R A L R E S E R V E B A N K O F M IN N E A P O L IS
Section II - A pplications Subject to B oth
N ew spaper and Federal R egister N otice
C om m ent P eriod
Ending D ate

A pplication
F irst B ank System , Inc., M inneapolis, M innesota for
p rior approval to acquire, through m erger U .S. B ancorp,
Portland, O regon. *

M ay 1 6 ,1 9 9 7
(Federal R egister)

C arl K arge to acquire control o f 14.40% o f the voting
shares o f W estern H olding C om pany, W o lf Point, M ontana.

M ay 8 ,1 9 9 7
(Federal R egister)

* Subject to C R A
F E D E R A L R E S E R V E B A N K O F M IN N E A P O L IS
Section III - A pplications Subject
to E&dfiral Register Notice O nly

A pplication

C om m ent Period
Ending D ate

F irst B ank System , Inc., M inneapolis, M innesota to
engage in certain trust, insurance agency, letter o f
credit issuing and paying, credit reinsurance,
m ortgage banking, investm ent advisory, com m unity
developm ent, and leasing activities through the acquisition
o f the nonbank subsidiaries o f U .S. B ancorp, Portland, O regon.

M ay 1 6 ,1997

N o rw est C orporation, M inneapolis, M innesota to engage in
residential m ortgage lending activities through the acquisition
o f O hio Executive M ortgage C om pany, a jo in t venture w ith Sluss
R ealty C om pany, M ansfield, Ohio.

M ay 8 ,1 9 9 7

N o rw est C orporation, M inneapolis, M innesota to engage in
residential m ortgage lending activities through th e acquisition
o f T rinity M ortgage A ffiliates, a jo in t venture w ith T rinity
M ortgage Partners, Inc., A tlanta, G eorgia.

M ay 8 ,1 9 9 7

N orw est C orporation, M inneapolis, M innesota to engage in
residential m ortgage lending through th e acquisition
o f IM S M ortgage C om pany, a jo in t venture w ith E ast B rook C orporation
o f Iowa, d/b/a Skogm an R ealty, C edar R apids, Iowa.

N o t yet available




F E D E R A L R E S E R V E B A N K O F M IN N E A P O L IS

Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
First Bank-System, Inc., Minneapolis, Minnesota, to
indirectly engage in export trading company activities
through the acquisition of U.S. Bancorp, Portland, Oregon,
and its subsidiaries.

Section V - Availability of
CRA Public Evaluations
week ending April 18,1997

ASSIGNMENT OF RATING
Identification of Ratihgs
In connection with the assessment of each insured depository institution's CRA performance, a rating is
assigned from the following groups:
OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs
of its entire delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group needs to improve its overall record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in
a manner consistent with its resources and capabilities.
SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low-and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
BANKYSt EXAMINED

DATE OF EXAMINATION

CRA RATING

Merchants State Bank
P.O. Box 399
Freeman, South Dakota 57029

January 7, 1997

Satisfactory




K A N S A S C IT Y R E S E R V E B A N K A P P L IC A T IO N S A N D R E P O R T S R E C E IV E D
D u rin g th e w e e k e n d in g A p ril 1 8 , 1997
S E C T IO N I - A P P L IC A T IO N S S U B JE C T T O N E W S P A P E R N O T IC E O N L Y

APPLICATION

C O M M E N T P E R IO D E N D IN G D A T E

H a v e lo c k B a n k , L in c o ln , N e b ra s k a , f o r p r io r a p p ro v a l
to e s ta b lis h a b r a n c h fa c ility a t 2 7 th a n d P in e L a k e

N o t A v a ila b le

R o a d , L in c o ln , N e b ra s k a .
S E C T IO N

n - A P P L IC A T IO N S

S U B JE C T T O B O T H

N E W S P A P E R A N D F E D E R A L R E G IS T E R N O T IC E

APPLICATION

C O M M E N T P E R IO D E N D IN G D A T E

T h o m a s R ily F o r d , P a u l E m il N e ls o n , a n d H e n ry
T h o m a s S o u th w a y , a ll o f A la m o s a , C o lo ra d o , to e a c h
a c q u ire a n a d d itio n a l 3 .0 p e r c e n t, f o r a to ta l o f 2 6 .6
p e r c e n t e a s t, o f th e v o tin g sh a re s o f A la m o s a

M a y 1, 1997

B a n c o r p o r a tio n L td ., A la m o s a , C o lo ra d o .
P o te a u B a n c s h a re s , I n c ., P o te a u , O k la h o m a , fo r p r io r
a p p ro v a l to b e c o m e a b a n k h o ld in g c o m p a n y th ro u g h
th e a c q u is itio n o f 8 5 .8 5 p e r c e n t o f th e v o tin g sh a re s o f
F ir s t P o te a u C o rp o ra tio n , P o te a u , O k la h o m a .*

May 17, 1997

H o h l F in a n c ia l, I n c ., W a h o o , N e b ra s k a , fo r p r io r
a p p ro v a l to b e c o m e a b a n k h o ld in g c o m p a n y th ro u g h
th e a c q u is itio n o f 1 0 0 p e r c e n t o f th e v o tin g s h a re s o f
W a h o o S ta te B a n k , W a h o o , N e b ra s k a .*

N o t A v a ila b le

S E C T IO N m

- A P P L IC A T IO N S S U B JE C T T O F E D E R A L R E G IS T E R N O T IC E O N L Y

APPLICATION
N one.




C O M M E N T P E R IO D E N D I N G D A T E

S E C T IO N IV - A P P L IC A T IO N S N O T S U B JE C T T O F E D E R A L R E G IS T E R N O T IC E
O R N E W S P A P E R N O T IC E

APPLICATION
B a n k o f C h e ls e a , C h e ls e a , O k la h o m a , fo r p r i o r

N o t A v a ila b le

a p p ro v a l to b e c o m e a m e m b e r o f th e F e d e ra l R e s e rv e
S y ste m .

S E C T IO N V - A V A IL A B IL IT Y O F C R A P U B L IC E V A L U A T IO N S
Identification of Ratings
I n c o n n e c tio n w ith th e a s s e ss m e n t o f e a c h in s u re d d e p o s ito ry in s titu tio n 's C R A p e r fo rm a n c e , a
ra tin g is a s s ig n e d fr o m th e fo llo w in g g ro u p s :

Outstanding record of meeting community credit needs
A n in s titu tio n in th is g ro u p h a s a n o u ts ta n d in g re c o rd o f a s c e rta in in g a n d h e lp in g to m e e t
th e c r e d it n e e d s o f its e n tire d e lin e a te d c o m m u n ity , in c lu d in g lo w - a n d m o d e ra te -in c o m e
n e ig h b o rh o o d s , in a m a n n e r c o n s is te n t w ith its re s o u rc e s a n d c a p a b ilitie s.

Satisfactory record of meeting community credit needs
A n in s titu tio n in th is g ro u p h a s a s a tis fa c to ry re c o rd o f a s c e rta in in g a n d h e lp in g to m e e t
th e c r e d it n e e d s o f its e n tire d e lin e a te d c o m m u n ity , in c lu d in g lo w - a n d m o d e ra te -in c o m e
n e ig h b o rh o o d s , in a m a n n e r c o n s is te n t w ith its re s o u rc e s a n d c a p a b ilitie s.

Needs to improve record of meeting community credit needs
A n in s titu tio n in th is g ro u p n e e d s to im p ro v e its o v e ra ll re c o rd o f a sc e rta in in g a n d h elp in g
to m e e t th e c r e d it n e e d s o f its e n tire d e lin e a te d c o m m u n ity , in c lu d in g lo w - a n d m o d e ra te in c o m e n e ig h b o rh o o d s , in a m a n n e r c o n s is te n t w ith its re s o u rc e s a n d c a p a b ilitie s .

Substantial noncompliance in meeting community credit needs
A n in s titu tio n in th is g ro u p h a s a su b sta n tia lly d e fic ie n t re c o rd o f a s c e rta in in g a n d h e lp in g
to m e e t th e c r e d it n e e d s o f its e n tire d e lin e a te d c o m m u n ity , in c lu d in g lo w - a n d m o d e ra te in c o m e n e ig h b o rh o o d s , in a m a n n e r c o n s is te n t w ith its re s o u rc e s a n d c a p a b ilitie s .




B a n k /L o c a tio n

RSSD #

E x a m D a te

C R A P u b lic
D a te

CRA
R a tin g

T h e G u n n is o n B a n k & T r u s t
P .O . B o x 119

502559

0 1 -1 3 -9 7

0 4 -1 6 -9 7

S a tis fa c to ry

0 2 -0 2 -9 7

0 4 -1 6 -9 7

S a tis fa c to ry

G u n n is o n , C o lo ra d o
F r o n tie r B a n k o f L a ra m ie C o .
4053
P .O . B o x 1 5 7 2 0
C h e y e n n e , W y o m in g 8 2 0 0 3 -5 7 2 0
♦ A p p lic a tio n is s u b je c t to C R A .




FED AL RESERVE B N O DALLAS APPLICATIONS BULLETIN
ER
AK F
A P P L I C A T I O N S AND N O T I F I C A T I O N S F I L E D DURING T H E WEEK O F A P R I L 1 4 , 19 9 7

SECTION I ■ APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
A P P LIC A T IO N

" A

NOTICE EXP

?

* S e c t i o n 1 8 ( c ) a p p l i c a t i o n r e c e i v e d fro m
Minden Bank & T r u s t Company, M in d e n , L A ,
t o a c q u i r e F i r s t F e d e r a l S a v in g s B a n k ,
S h re ve p o rt, LA
( P r e v i o u s l y r e p o r t e d d u r i n g t h e week o f 0 3 - 1 7 - 9 7 )

0 4 -25 -9 7

* S e c t i o n 9 a p p l i c a t i o n r e c e i v e d fro m
Minden Bank & T r u s t Company, M in d e n , L A ,
t o e s t a b l i s h a b ra n c h a t 6601 Y o u r e e D r i v e ,
S h re ve p o rt, LA 71105
( P r e v i o u s l y r e p o r t e d d u r i n g t h e week o f 0 3 - 1 7 - 9 7 )

0 4 -25 -9 7

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
A P P LIC A T IO N
♦ S e c tio n 3 ( a ) ( 1 ) a p p l i c a t i o n by
B o n s t a t e B a n c s h a r e s , I n c . , Bonham, T X ,
t o a c q u i r e Bonham F i n a n c i a l S e r v i c e s , I n c . ,
D o v e r , D E , and Bonham S t a t e B a n k, Bonham, T X
( P r e v i o u s l y r e p o r t e d d u r i n g t h e week o f 3 - 2 4 - 9 7 )
♦ S e c tio n 3 ( a ) ( 1 ) a p p l i c a t i o n by
Bonham F i n a n c i a l S e r v i c e s , I n c . , D o v e r , DE
t o a c q u i r e Bonham S t a t e B a n k , Bonham, T X
( P r e v i o u s l y r e p o r t e d d u r i n g t h e week o f 3 - 2 4 - 9 7 )
♦ S e c tio n 3 ( a ) ( 1 ) a p p l i c a t i o n by
Medina B a n k s h a r e s , I n c . , D ' H a n i s , T X
t o a c q u i r e Medina F i n a n c i a l , I n c . , C a rs o n C i t y , N V ,
and D ’ H a n is S t a t e B a n k , D ’ H a n i s , T X
( P r e v i o u s l y r e p o r t e d d u r i n g t h e week o f 0 3 - 1 7 - 9 7 )
♦ S e c tio n 3 ( a ) ( 1 ) a p p l i c a t i o n by
Medina F i n a n c i a l , I n c . , C a rso n C i t y , NV
t o a c q u i r e D 'H a n i s S t a t e B a n k , D ’ H a n i s , T X
( P r e v i o u s l y r e p o r t e d d u r i n g t h e week o f 0 3 - 1 7 - 9 7 )




**

NOTICE

EX P

0 4 -22 -9 7

0 4 -2 2 -9 7

0 4 -26 -9 7

0 4 -26 -9 7

SECTION III • APPLICATIONS SUBJECT TO FEDERAL REGISTER
MQDCE. ONLY

APPLICATION

NOTICE EXP

None.

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
QR NEWSPAPE R N O T I C E

APPLICATION
None.

* SUBJECT TO CRA.
** EXPIRATION DATE IS THE DATE SPECIFIED IN THE NEWSPAPER NOTICE ONLY.
N/A - NOT AVAILABLE AT THIS TIME.




SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
F OR T H E WE E K O F A R R I L _ li ^ l .9 9 Z

Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a
leader in, ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.
Needs to Improve record of meeting community credit needs.
An institution in this group need to improve its overall record of
ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods,
in a manner consistent with its resources and capabilities.
Substantial Noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of
ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods,
in a manner consistent with its resources and capabilities.
Bank

Date of
Examination

C R A -R a tln g

Security Bank
P.0. Box 121288
1521 North Cooper,
Suite 100
Arlington. TX 76012
133551

97/01/06

Satisfactory

Texas Heritage Bank
P.O. Box 158
500 West Highway 79
Hutto, TX 78634
961156

97/01/06

Satisfactory




FEDERAL RESERVE BANK O F SAN FRANCISCO

W eek ending 4 /1 8 /9 7
Section I - Applications Subject to Newspaper N otice Only Date
Application

Comment Period Ending Date

N one
Section II - Applications Subject to Both
Newspaper and Federal Register N otice
Imperial Bancorp, Inglew ood, C alifornia, to acquire
Imperial Bank o f A rizona, Phoenix, A rizona. *

N ot available

Fed. R eg.:
Zubair and Khatija K azi, Studio C ity, C alifornia, and
Yahia and Magda Abdul-Rahman, Altadera, C alifornia,
to acquire up to 55 percent o f Greater P acific
Bancshares, W hittier, California. *

Newspaper:

5 /0 1 /9 7

Newspaper:

4 /1 8 /9 7

Fed. R eg.:

5/0 5 /9 7

Section III -A pplications Subject to Federal Register Only
Tehama Bancorp, Red B luff, California, to engage
indirectly in equipm ent leasing activities through Bancorp
Financial Services, In c., Sacramento, California.

Fed. R eg.:

5 /0 5 /9 7

Section IV - Applications N ot Subject to Federal R egister N otice
or Newspaper N otice
N one

♦Subject to CRA.




FEDERAL RESERVE BANK OF SAN FRANCISCO

W eek ending 4 /1 8 /9 7

Section V - A vailability o f CRA Public Evaluations
H ie CRA public evaluations o f the institution(s) below becam e available during this w eek. Information
about a particular institution's CRA evaluation may be obtained directly from the institution.
Institution

Location

Examination Date

Rating*

None

*Under the rating system an institution's CRA performance is assigned one o f the follow ing four ratings:
O utstanding record o f m eeting com m unity credit needs: A n institution has an outstanding record o f,
and is a leader in, ascertaining and helping to m eet the credit needs o f its entire delineated com m unity,
including low - and m oderate-incom e neighborhoods, in a manner consistent w ith its resources and
capabilities.
S atisfactory record o f m eeting com m unity credit needs: A n institution has a satisfactory record o f
ascertaining and m eeting the credit needs o f its entire delineated com m unity, including low - and
m oderate-incom e neighborhoods, in a manner consistent with its resources and capabilities.
N eed s to Im prove record o f m eeting com m unity credit needs: A n institution needs to improve its
overall record o f ascertaining and helping to m eet the credit needs o f its entire delineated com m unity,
including low - to m oderate-incom e neighborhoods, in a manner consistent w ith its resources and
capabilities.
S u b sta n tia l N oncom pliance in m eeting com m unity cred it needs: A n institution has a substantially
deficient record o f ascertaining and helping to m eet the credit needs o f its entire delineated com m unity,
including low - to m oderate-incom e neighborhoods, in a manner consistent w ith its resources and
capabilities.

The above listing has been prepared as a courtesy by the Federal R eserve Bank o f San Francisco, and is
not intended to replace formal notices required by statute or regulation; the Reserve Bank assum es no
responsibility for errors or om issions.





Federal Reserve Bank of St. Louis, One Federal Reserve Bank Plaza, St. Louis, MO 63102