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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 TO 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 TO 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 , 1997 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 . FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN 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. * 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: N ot available Fed. R eg.: 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.