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\(
RE r , R ; LIBRARY
ANNOUNCEMENT
BOARD OF G O V E R N O R 3
OF THE
FEDERAL RESERVE SYSTEM

Q ^
0 2.7

H.2, 1991, No. 16
i •q i A c t i o n s of the Board, its Staff, a n d
»
dl
the F ederal R e s e r v e Banks;
. A p p l i c a t i o n s and R e p o r t s R e c e i v e d
Eiuring the W e e k E n d i n g A p r i l 20, 1991

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

TESTIMONY AND STATEMENTS
Title III of S. 207, the Futures Trading Practices
Act of 1991 -- statement by Chairman Greenspan
before the Senate Committee on Banking, Housing,
and Urban Affairs, April 16, 1991.
Published, April 16, 1991.

B a n k i n g r eform bills:
S. 5 4 3 , t h e C o m p r e h e n s i v e
Deposit Insurance Reform and Taxpayer Protection
A c t , a n d S. 7 1 3 , t h e F i n a n c i a l I n s t i t u t i o n s S a f e t y
a n d C o n s u m e r C h o i c e A c t -- s t a t e m e n t b y C h a i r m a n
G r e e n s p a n b e f o r e t h e S e n a t e C o m m i t t e e on B a n k i n g ,
H o u s i n g , a n d U r b a n A f f a i r s , A p r i l 23, 1 9 9 1 .

Authorized, April 17, 1991.

BANK HOLDING COMPANIES
United New Mexico Financial Corporation, Albuquerque,
New Mexico — to acquire First Interstate Bancorp,
Los Angeles, California; First Interstate Bank of
Albuquerque, Albuquerque, New Mexico; First
Interstate Bank of Lea County, Hobbs, New Mexico;
and First Interstate Bank of Roswell, Roswell, New
Mexico.
Approved, April 15, 1991.
BANK MERGERS
Manufacturers Hanover Trust Company, New York, New
York — to purchase certain assets and to assume
certain liabilities of ten branches of Goldome,
Buffalo, New York, and to establish branches.
Approved, April 17, 1991.
BANK PREMISES




Manufacturers Hanover Trust Company, New York, New
York — investment in bank premises.
Approved, April 17, 1991.

H.2

APRIL 15, 1991
PAGE 2

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APRIL 19, 1991

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

REGULATIONS AND POLICIES
Regulation K — review and revision, with delegation
of authority to the Staff Director of the Division
of Banking Supervision and Regulation to approve
certain securities activities outside the United
States and to the Federal Reserve Banks to approve
applications to engage in futures commission
merchant activities under certain conditions.
Approved, April 15, 1991.

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; FQMC - Federal Open Market Committee; FRBO - Federal Reserve
Bank Operations; IF - International Finance; OSDM - Office of Staff Director
for Management
BANK BRANCHES, DOMESTIC




Chicago

Bankers Trust Company, Des Moines, Iowa — to
establish an offsite electronic facility at 114th
and University, Clive, Iowa.
Approved, April 18, 1991.

Chicago

Comerica Bank - Detroit, Michigan — to establish a
branch at 35000 23 Mile Road, Chesterfield
Township, Michigan.
Approved, April 17, 1991.

San Francisco

Farmers & Merchants Bank of Central California, Lodi,
California — to establish a branch at 901
Carpenter Road, Modesto, California.
Approved, April 18, 1991.

Secretary

First Interstate Bank, Los Angeles, California —
establish a branch in the vicinity of the
intersection of East Bidwell and Wales Drive,
Folsom, California.
Approved, April 19, 1991.

Chicago

Old Kent Bank and Trust Company, Grand Rapids,
Michigan — to establish a branch at 844 East
Beltline N.E.
Approved, April 15, 1991.

to

H.2

APRIL 15, 1991
PAGE 3

TO

APRIL 19, 1991

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

BANK HOLDING COMPANIES




San Francisco

American Republic Bancorp, Torrance, California -- to
engage in data processing activities through ARB
Datanet, Inc.
Returned, April 15, 1991.

Dallas

BancWest Bancorp, Inc., Taylor, Texas —
Bank of the West, Austin, Texas.
Approved, April 15, 1991.

San Francisco

Banque Nationale de Paris, Paris, France — proposal
that Bank of The West, purchase the assets and
assume the liabilities of BancWest Interim Federal
Savings Association.
Approved, April 19, 1991.

San Francisco

Banque Nationale de Paris, Paris, France — to
establish BancWest Interim Federal Savings
Association, San Francisco, California, and acquire
certain assets and assume certain liabilities of
Imperial Savings, San Diego, California.
Approved, April 19, 1991.

Kansas City

Caldwell County Bancshares, Inc., Hamilton,
Missouri — to acquire Caldwell County Bank.
Approved, April 19, 1991.

Chicago

Citizens National Bancorp, Inc., Darlington,
Wisconsin — to acquire The Citizens National Bank
of Darlington.
Approved, April 15, 1991.

New York

Compagnie de Suez, Paris, France, and Banque Indosuez
— to engage de novo in acting as a futures
commission merchant in the provision of services on
certain exchanges through Indosuez Carr Futures
Inc.
Permitted, April 17, 1991.

to acquire

H .2
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PAGE 4

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APRIL 19, 1991

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

BANK HOLDING COMPANIES




Chicago

Empire Banc Corporation, Traverse City, Michigan,
proposed acquisition of the Traverse City branch
and Grayling branch of Great Lakes Bancorp, A FSB,
Ann Arbor, Michigan — report on competitive
factors.
Submitted, April 18, 1991.

Minneapolis

First Western Bancorp, Inc., Huron, South Dakota —
to acquire First Bancorp, Inc.
Withdrawn, April 17, 1991.

Minneapolis

First Western Bancorp, Inc., Huron, South Dakota —
to engage in insurance agency activities through
First Western Agency, Inc.
Withdrawn, April 17, 1991.

Chicago

High Point Financial Services, Inc., Forreston,
Illinois — to acquire Forreston State Bank.
Approved, April 19, 1991.

Cleveland

Mid Am Inc., Bowling Green, Ohio — to acquire
Citizens Federal Savings and Loan Association,
Beliefontaine, Ohio.
Withdrawn, April 19, 1991.

New York

Monte dei Paschi di Siena, Siena, Italy — to engage
de novo in developing, marketing, and providing
services to banking and banking'related software
through International Banking Information Systems
Limited, New York, New York.
Permitted, April 17, 1991.

Minneapolis

Norwest Corporation, Minneapolis, Minnesota — to
engage in consumer finance activities through AVCO
Financial of Mississippi, Inc., Irvine, California
Approved, April 17, 1991.

H.2

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PAGE 5

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APRIL 19, 1991

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

BANK HOLDING COMPANIES
New York

Sumitomo Trust & Banking Company, Limited, Tokyo,
Japan -- to engage de novo in providing advisory
services and general economic information through
SBT Corporate Development Inc., Houston, Texas.
Permitted, April 19, 1991.

Chicago

Valley Banc Services Corp., St. Charles, Illinois —
to acquire Mattoon Bank, Mattoon, Illinois, and to
establish a de novo bank named Anchor Bank, Lake
Villa, Illinois.
Approved, April 19, 1991.

BANK MERGERS
Chicago
F a r m e r s a n d Loan T r u s t C o m p a n y , C o l u m b i a City,
Indiana —
to a c q u i r e t h e a s s e t s a n d a s s u m e t h e
l i a b i l i t i e s of f o u r b r a n c h e s of INB N a t i o n a l Bank,
Fort Wayne, Indiana; the G e o r g e t o w n branch, 6564
East State Boulevard, Fort Wayne; I l linois Road
branch, 115 A v e n u e of the Autos; Irene Byron H e a l t h
C e n t e r b ra nch , 1 21 01 Li ma Road, a n d t he I n d ia n a a n d
R e n a i s s a n c e S q u a r e branch , 200 East B e r r y Street;
a n d to r e l o c a t e t h e m a i n o f f i c e to 2 0 0 E a s t B e r r y
Street, Fort Wayne, Indiana.

Approved, April 19, 1991.
BANK PREMISES




Secretary

Central Bank of the South, Birmingham, Alabama —
investment in bank premises.
Approved, April 18, 1991.

San Francisco

Farmers & Merchants Bank of Central California, Lodi,
California — investment in bank premises.
Approved, April 18, 1991.

San Francisco

Farmers & Merchants Bank, Forest Grove, Oregon —
investment in bank premises.
Approved, April 19, 1991.

Kansas City

First State Bank of Wheatland, Wheatland, Wyoming —
investment in bank premises.
Approved, April 19, 1991.

H .2

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PAGE 6

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APRIL 19, 1991

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

BANK PREMISES
New York

Manufacturers Hanover Trust Company, New York, New
York — investment in bank premises.
Approved, April 18, 1991.

Chicago

Old Kent Bank and Trust Company, Grand Rapids,
Michigan — investment in bank premises.
Approved, April 17, 1991.

Chicago

Peoples Bank, Bloomington, Illinois —
bank premises.
Approved, April 17, 1991.

investment in

First State Bank, Ness City, Kansas —
dividend.
Approved, April 17, 1991.

payment of a

BANKS• STATE MEMBER
Kansas City

CAPITAL STOCK
Kansas City

Wheatland Bankshares, Inc., Wheatland, Wyoming —
redemption of shares.
Approved, April 19, 1991.

CHANGE IN BANK CONTROL




Dallas

Citizens Bankshares of Springhill, Inc. Springhill,
,
Louisiana — change in bank control.
Returned, April 15, 1991.

New York

Hamptons Bancshares Inc., Southampton, New York —
change in bank control.
Withdrawn, April 15, 1991.

San Francisco

Hoaie Credit Corporation, Salt Lake City, Utah —
change in bank control.
Permitted, April 15, 1991.

Kansas City

Lawton Security Bancshares, Inc., Lawton, Oklahoma change in bank control.
Permitted, April 16, 1991.

H .2
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APRIL 19, 1991

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

CHANGE IN BANK CONTROL
Kansas City

Midwest Banco Corporation, Cozad, Nebraska —
in bank control.
Permitted, April 19, 1991.

change

Minneapolis

Riverside Bancshares Corporation, Minneapolis —
change in bank control.
Permitted, April 19, 1991.

COMPETITIVE FACTORS REPORTS




Cleveland

Bank of Hundred, Hundred, West Virginia, proposed
merger with CB&T Interim Bank, Inc. — report on
competit ive factors.
Submitted, April 15, 1991.

Chicago

Bank One, Elkhart, Elkhart, Indiana, proposed merger
with Bank One, Merriville, National Association,
Gary, Indiana — report on competitive factors.
Submitted, April 17, 1991.

Boston

First Agricultural Bank, Pittsfield, Massachusetts,
proposed merger with Multibank National of Western
Massachusetts, Springfield, Massachusetts — report
on competitive factors.
Submitted, April 19, 1991.

Minneapolis

First Bank of Minnesota, N.A., St. Louis Park,
Minnesota, proposed merger with Firstar Shelard
Bank, N.A.; Firstar Centennial feank, Circle Pines;
Firstar Eagan Bank, N.A., Eagan; Firstar Hugo Bank,
Hugo; Firstar MetroBank, Bloomington; Firstar New
Brighton Bank, New Brighton; Firstar Roseville
Bank, Roseville; Firstar St. Anthony Bank, N.A.,
Minneapolis; and Firstar Stillwater, N.A.,
Stillwater, Minnesota — report on competitive
factors.
Submitted, April 16, 1991.

H .2

APRIL 15, 1991
PAGE 8

TO

APRIL 19, 1991

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

COMPETITIVE FACTORS REPORTS




S t . Louis

Fi r s t C o m m u n i t y N a t i o n a l Ba n k of C r a w f o r d County ,
Cuba, Miss o u r i , p r o p o s e d p u r c h a s e of the a s s e t s a n d
a s s u m p t i o n of the l i a b i l i t i e s of th e S u l l i v a n
b r a n c h o f t h e B o a t m e n ' s N a t i o n a l B a n k o f St. L o u i s ,
St. L o u i s , M i s s o u r i —
r e p o r t on c o m p e t i t i v e
factors.

Submitted, April 19, 1991.
Atlanta

First Federal Savings and Loan Association of Fort
Myers, Fort Myers, Florida, proposed purchase of
certain assets and assumption of certain
liabilities of the branch of First Presidential
Savings and Loan Association of Florida, Sarasota,
Florida, 15165 McGregor Boulevard — report on
competitive factors.
Submitted, April 17, 1991.

S t . Louis

First National Bank in Staunton, Staunton, Illinois,
proposed merger with FSB National Bank — report on
compet it ive factors.
Submitted, April 15, 1991.

Secretary

First National Bank of Coxsackie, Coxsaskie, New
York, proposed purchase of the assets and
assumption of the liabilities of the Athens branch
of Key Bank of Eastern New York, N.A., Albany, New
York — report on competitive factors.
Submitted, April 19, 1991.

Kansas City

First National Bank of Lyons, Lyons, Nebraska,
proposed acquisition of the assets and assumption
of the liabilities of the Tekeman branch of
FirsTier Bank, N.A., Omaha, Nebraska — report on
compet it ive factors.
Submitted, April 15, 1991.

Chicago

First State Bank, Nora Springs, Iowa, proposed merger
with FSB Nora Springs Interim State Bank — report
on competitive factors.
Submitted, April 17, 1991.

H .2
APRIL 15, 1991
PAGE 9

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APRIL 19, 1991

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

COMPETITIVE FACTORS REPORTS
Chicago

First State Bank, Riceville, Iowa, proposed merger
with FSB Riceville Interim State Bank -- report on
competitive factors.
Submitted, April 17, 1991.

Atlanta

Great Southern Capital Corporation ESOT, Meridian,
Mississippi, proposed acquisition of Great Southern
Capital Corporation — report on competitive
factors.
Submitted, April 15, 1991.

Dallas

Guaranty Federal Savings Bank, Dallas, Texas,
proposed merger with Kilgore Federal Savings and
Loan Association — report on competitive factors.
Submitted, April 16, 1991.

Atlanta

Interban Holding Company Limited, Nassau, Bahamas,
and Interbank Holding Corp., Miami, Florida,
proposed acquisition of Grovegate Bank, Coconut
Grove, Florida — report on competitive factors.
Submitted, April 15, 1991.

Minneapolis

Marquette Bank Minneapolis, National Association,
Minneapolis, Minnesota, proposed merger with
Marquette Bank Apple Valley, Apple Valley,
Minnesota — report on competitive factors.
Submitted, April 15, 1991.

Chicago

Norwest Bank Iowa, National Association, Des Moines,
Iowa, proposed merger with Peoples Bank and Trust
Company, Waterloo, Iowa — report on competitive
factors.
Submitted, April 16, 1991.

EXTENSIONS OF TIME




San Francisco

BankAmerica Corporation, San Francisco, California —
extension to divest certain property.
Granted, April 16, 1991.

S t . Louis

Chambers Bancshares, Inc., Danville, Arkansas —
extension to July 8, 1991, to engage in insurance
agency activities.
Granted, April 16, 1991.

H.2
APRIL 15, 1991
PAGE 10

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APRIL 19, 1991

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

EXTENSIONS OF TIME




San Francisco

Dai - Ichi Kangyo Bank, Limited, Tokyo, Japan —
extension to July 29, 1991, to expand certain
nonbanking activities through DKB Securities
Corporation, New York, New York.
Granted, April 16, 1991.

San Francisco

First Interstate Bancorp, Los Angeles, California —
extension to divest certain property.
Granted, April 16, 1991.

San Francisco

First Interstate Bancorp, Los Angeles, California —
extension to divest certain property.
Granted, April 19, 1991.

Chicago

First of America Bank - Central, Lansing, Michigan —
extension to August 1, 1991, to establish a branch
at the intersection of Okemos and Jolly Roads,
Meridian Township, Michigan.
Granted, April 15, 1991.

Atlanta

North Fulton Bancshares, Inc., Roswell, Georgia —
extension to July 27, 1991, to acquire Milton
National Bank.
Granted, April 17, 1991.

San Francisco

Security Pacific Corporation, Los Angeles, California
— extensions to divest certain properties.
Granted, April 16, 1991.

San Francisco

Security Pacific Corporation, Los Angeles, California
— extension to divest certain property.
Granted, April 16, 1991.

Staff Director
BS&R

Security Pacific Corporation, Los Angeles, California
— extension to conform activities of Burns Fry
Holdings Corporation, Toronto, Ontario, Canada, to
Regulation K.
Granted, April 19, 1991.

Atlanta

SouthTrust Corporation, Birmingham, Alabama —
extension to July 9, 1991, to acquire SouthTrust
Bank of North Carolina, N.A., Raleigh, North
Carolina.
Granted, April 17, 1991.

H.
2
APRIL 15, 1991
PAGE 11

TO

APRIL 19, 1991

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

EXTENSIONS OF TIME
Atlanta

Southwest Florida Banks, Incorporated, Murdock,
Florida — extension to August 1, 1991, to acquire
Southwest Florida Bank, National Association —
report on competitive factors.
Granted, April 17, 1991.

San Francisco

Wells Fargo & Company, San Francisco, California —
extensions to divest certain properties.
Granted, April 19, 1991.

San Francisco

West One Bancorp, Boise, Idaho —
certain property.
Granted, April 16, 1991.

extension to divest

RESERVE BANK OPERATIONS
Director, FRBO

Federal Reserve Bank of San Francisco —
currency processing machines.
Approved, April 18, 1991.

to purchase

RESERVE BANK SERVICES




Director, FRBO

Federal Reserve Bank of Boston — to implement a
separate sort service for returned checks.
Approved, April 17, 1991.

H .2
APRIL 15, 1991
PAGE 12

ADDITIONS

TO

AND

CORRECTIONS

APRIL 19, 1991

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

BANK HOLDING COMPANIES
Philadelphia

C o r e S t a t e s Financial Corp., Philadelphia,
Pennsylvania —
p e r m i s s i o n for Signal Financial
C o r p o r a t i o n , P i t t s b u r g h , P e n n s y l v a n i a , to e x p a n d
its lending a nd credit rela t e d i n s u r a n c e a c t i v i t i e s
nationwide.

Granted, April 12, 1991.
Minneapolis

Security Richland Bancorporation, Miles City, Montana
— to engage de novo in lending activities.
Permitted, April 13, 1991.

BANKS, STATE MEMBER
Philadelphia

Pitcairn Private Bank, Philadelphia, Pennsylvania —
to relocate main office to One Pitcairn Place, 165
Township Road, Jenkintown, from 1414 South Penn
Square, Philadelphia, Pennsylvania.
Approved, April 8, 1991.

COMPETITIVE FACTORS REPORTS




San Francisco

Sacramento Savings Bank, Sacramento, California,
proposed assumption of certain assets and
liabilities of the Sacramento branch of Western
Federal Savings and Loan Association, Marina del
Rey, California — report on competitive factors.
Submitted, April 11, 1991.

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

S E C T I O N I - A P P LICATIONS SUBJECT TO
N E W S P A P E R N O TICE ONLY
C o mment Period E n d i n g Date

Application

NONE

S E C T I O N II - A P P LICATIONS SUBJECT TO BOTH
N E W S P A P E R A N D F E DERAL R E G I S T E R NOTICE
Comment Peri o d Endi n g Date

Application

NONE

SE C T I O N III - A P PLICATIONS S U BJECT TO
F E D E R A L REGI S T E R NOTICE ONLY
Application

C o mment Period E n d i n g Date

NONE

S E C T I O N IV ~ APPLIC A T I O N S NOT S U BJECT TO
F E D E R A L R E G I S T E R O R N E W S P A P E R NOTICE
Application

NONE

S ECTION V - A V A I L A B I L I T Y OF CRA PUBLIC EVALUA T I O N S

NONE
♦Subject to CRA




Federal Reserve Bank of New York

Comment Period
E n d i m Date

SECTION I
Applications Subject to Newspaper
___________ Notice Only_________
None.
SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
None.
SECTION III
Nonbanking Applications
(Subject to Federal Register Notice Only)
Bankers Trust New York Corporation, New York, New York
to engage de novo through its subsidiary, BT Asset
Management Inc., New York, New York in the provision of
investment advice as a commodity trading advisor with
respect to the purchase and sale of financial futures
contracts and options on financial futures contracts.

N/A

SECTION IV
Applications Not Involving
_______ Public Comment_______
None.

Availability of CRA Public Evaluations
Week Ending April 20. 1991
NAME OF BANK

EXAMINATION DATE

None.

1/
2/
3/

4/

Subject to provisions of Community Reinvestment Act.
later of dates specified in newspaper and Federal Register notices.
Date specified in newspaper notice; a later date may be specified in
the Federal Register notice.
N/A - Not Available
Date specified in Federal Register notice; a later date may be
specified in the newspaper notice.




F E D E R A L R E S E R V E B A N K OF P H I L A D E L P H I A

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY

Comment Period Ending Date
1/

5/13/91

Meridian Bank, Reading, PA to establish an 1/
offsite electronic banking facility to be
located at the Acme Market, 7010 Germantown
Avenue, Philadelphia, PA.

5/13/91

Meridian Bank, Reading, PA to establish an
offsite electronic banking facility to be
located at the Acme Market, 6640 Oxford
Avenue and Unruh St, Philadelphia, PA.

SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND
FEDERAL REGISTER NOTICE
Comment Period Ending Date
None.

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
Comment Period Ending Date

Dauphin Deposit Corporation, Harrisburg, PA to
acquire 100% of Hopper Soliday & Co., Inc.,
Philadelphia, PA, pursuant to Section 4(c)(8)
of the Bank Holding Company Act.

N/A*

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE

None.

1/ Subject to provisions of Community Reinvestment Act.
* N/A - not yet available.




SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
For week endina 4/19/91

Institutions
Republic Bank
Philadelphia, PA




Examination Date
1/14/91

Federal Reserve Bank of Cleveland
A p p lic a tio n s B u lle tin
F o r Week E n d in g A p r i l 2 0 , 1 9 9 1

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
R e c e i v e d a p p l i c a t i o n on April 3, 1991 from
The Fifth Thi r d Bank, Cincinnati, Ohio, for
p e r m i s s i o n to estab l i s h CBCT bran c h e s at
the following locations:
Fair Oaks Plaza,
Rou t e 4, Fairfield, Ohio; 5301 Kings Island
Drive, Mason, Ohio; U n i v e r s i t y M e dical Arts
Building, 222 Piedmont Avenue, Cincinnati,
Ohio; 2744 H a r s h m a n Road, Dayton, Ohio;
4075 W i l m i n g t o n Pike, Kettering, Ohio; and
5858 S p r i ngboro Pike, Dayton, Ohio.

* M a y 1, 1991

R e c e i v e d a p p l i c a t i o n on April 17, 1991 from
The Fifth Thi r d Bank, Cincinnati, Ohio, for
p e r m i s s i o n to estab l i s h a b r a n c h at 8588
Pr i n c e t o n - G l e n d a l e Road, Un i o n Township, Ohio.

* M a y 18,

1991

R e c e i v e d a p p l i c a t i o n on April 17, 1991 from
The Fifth Thi r d Bank, Cincinnati, Ohio, for
p e r m i s s i o n to estab l i s h a bran c h at 1783 Ohio
Pike, Amelia, Ohio.

* M a y 18,

1991

R e c e i v e d appl i c a t i o n on April 17, 1991 from
The Fifth Thi r d Bank, Cincinnati, Ohio, for
p e r m i s s i o n to estab l i s h a b r a n c h at 4530-500
Eas t g a t e B l v d . , U n i o n Township, Ohio.

* M a y 18,

1991

R e c e i v e d appl i c a t i o n on April 18, 1991 from
The Fifth Thi r d Bank, Cincinnati, Ohio, for
p e r m i s s i o n to estab l i s h a b r a n c h at 7747 Old
T r o y Pike, Dayton, Ohio.

* M a y 18,

1991

*
#
N
F

-

Subject to CRA
Expe c t e d to end a p p r o x imately 30 days from the d a t e of receipt
N e w s p a p e r C omment Period
Federal R e g i s t e r Comment Period




Applications Bulletin
For Week Ending April 20, 1991

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY ( C o n t . )
R e c e i v e d appl i c a t i o n on April 18, 1991 from
The Fif t h Thi r d Bank, Cincinnati, Ohio, for
p e r m i s s i o n to establish a b r a n c h at 2917
W. A l e x Bell Road, Dayton, Ohio.
R e c e i v e d appl i c a t i o n on Ap r i l 19, 1991 from
Star Bank, N o r t h e r n Kentucky, Covington,
Kentucky, to establish a b r a n c h at Spiral
Drive and Ho u s t o n Road, Florence, Kentucky.

* M a y 18,

1991

* Not Yet Kno w n #

SECTION I I - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
R e c e i v e d S ection 3(a)(5) applicaton on
April 18, 1991 from Star Banc Corporation,
Inc., Cincinnati, Ohio, to acquire Kentucky
Bancorporation, Inc., Covington, Kentucky.

SECTION I I I

-

1991

- APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY

R e c e i v e d Section 4(c)(8) appl i c a t i o n on
April 19, 1991 from H u n t i n g t o n Bancshares
Incorporated, Columbus, Ohio, to p u r chase
c ertain assets and assume all deposit
liabilities of five (5) Cincinnati, Ohio,
branches of Trans O h i o S avings Bank, Cleveland,
Ohio.

*
#
N
F

* N - M a y 11,

Not Yet Kno w n #

S u b j e c t to CRA
E x p e c t e d to end app r o x i m a t e l y 30 days from the date of receipt
N e w s p a p e r C omment Period
Federal R e g i s t e r C o mment Period




Applications Bulletin
F o r W e e k E n d i n g A p r i l 20, 1 991

S E C T I O N IV - A P P L I C A T I O N S NOT S U B J E C T TO F E D E R A L R E G I S T E R N O T I C E
OR N E W S P A P E R NO T I C E

N ONE *

*
#
N
F

-

S u bject to CRA
E x p e c t e d to end ap p r o x i m a t e l y 30 days from the d a t e of rece i p t
N e w s p a p e r Co m m e n t Period
Federal R e g i s t e r Comment Period




AVAILABILITY OF CRA PUBLIC EVALUATIONS
(April 19, 1991)

T h e following state m e m b e r banks h a v e b e e n e x a m i n e d b y the
Federal R e s e r v e B a n k of C l e v e l a n d for c o m p l i a n c e w i t h The C o m m u n i t y
R e i n v e s t m e n t Act.
A p u b l i c ev a l u a t i o n d o c u m e n t is a v a i l a b l e from
the bank(s) listed below.
If you are i n t e rested in o b t a i n i n g a
copy
of
an e v a l u a t i o n document,
please
c o n t a c t the bank(s)
directly.

Comm e r c e Exc h a n g e B ank
25201 C h agrin Blvd.
Beachwood, Ohio 44122
(216) 765-0500
Examined:
J a n u a r y 7, 1991

The State B a n k & Trust Co.
401 C l i n t o n Street
Defiance, Ohio 43512
(419) 782-8950
Examined:
J a n u a r y 14, 1991




Federal Reserve Bank of Richmond

Section I - Applications Subject to Newspaper
Notice Only

Application

Comment Period Ending Date

None.

Section II - Applications Subiect to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

None .

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

None .

Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
None .




Federal Reserve Bank of Richmond
Availability of CRA Public Evaluations
Week ending April 19, 1991

Examination
Date

The Bank of Monroe, Union, West Virginia




2-1-91

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending April 19.

1991

Section 1 - Applications Subject to Newspaper Noti c e Only
Application

Comment Period Ending Date

Bank Independent05-10-91
Sheffield, Alabama
To establish a branch office to be
known as Food Max #78 - Florence Square
located at Cox Creek Parkway, Highways
133 & 72, Florence, Alabama.

Section 2 - Applications Subject To Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

BankFIRST Capital Corporation
Eustis, Florida
1-BHC formation, BankFIRST,
Eustis, Florida.

First Tampa Bancorporation of Florida, Inc.
Tampa, Florida
Change in control by Philip M. Hampton
to acquire an additional 42.19 percent
of the outstanding shares of common stock.
The acquisition will increase his total
ownership to 56.0 percent.

05-07-91
Newspaper

05-06-91
Federal Register

Interbank Holding Corporation
Miami, Florida
Joint with its parent company, Interban
Holding Company Limited, Nassau, Bahamas,
to become bank holding companies by
acquiring 47.2 percent of Grovegate Bank,
Coconut Grove, Florida, a state member bank.

05-10-91
Newspaper

Southern National Banks, Inc.
Fort Walton Beach, Florida
Change in control by John James Tringas;
Alex James Tringas; and Lark Elaine
Tringas Garrigan to acquire an additional
83.18 percent of the outstanding shares
of preferred stock.
The acquisition will
increase their total ownership to 100 percent.

05-14-91
Newspaper




Four C o unty Bancshares, Inc.
Allentown, Georgia
To acquire Peoples State Bank, Jeffersonville,
Georgia.

05-08-91
Federal Register

Section 3 - Applications Subject to Federal
Register Notice Only
Application

Comment Period Ending Date

Synovus Financial Corporation
04-29-91
C o l u m b u s , Georgia
Alo n g w i t h its parent company, TB&C
Bancshares, Inc., Columbus, Georgia, to
expand the activities of Synovus'
wholly - o w n e d subsidiary, Synovus Securities,
Inc., Columbus, Georgia, to include
underw r i t i n g and dealing in municipal revenue
bonds; a c ting as agent in the private
place m e n t of debt and equity securities,
including providing related advisory services;
and b u y i n g and selling all types of securities
on the order of investors as a "riskless principal,"
p ursuant to Section 225.23 of Regulation Y.

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
A p p l i cations
International Bancorp of Miami,
M i a m i , Florida
Commitment waiv e r request.




Inc.

S e c t i o n 10 - 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 *

*The C RA public evaluations of the institutions listed b e l o w became
available during the week ending April 19, 1991. Information about
an institution's CRA evaluation may be obtained d i r e c t l y from the
institution.
Bank

Exam i n a t i o n Date

Bank of Bradenton
Bradenton, Florida

01-22-91

First Southern Bank
Boca Raton, Florida

01-22-91

Southern Heritage Bank
Winterville, Georgia

01-22-91




Federal Reserve Bank of Chicago

Section I - Applications Subject to Newspaper
Notice Only
Comment Period
Application
Ending Date

Type
Branch

Farmers State Bank of Western Illinois
New Windsor, Illinois
320 N. Division Street
Woodhull, Illinois*

N

- 5-1-91

Branch

Community State Bank
Avilla, Indiana
506 East North Street
Kendallville, Indiana*

N

- 4-26-91

Membership

Bloooingdale Bank and Trust
N - 4-30-91
Bloomingdale, Illinois (in organization)
To became a member of the Federal Reserve System*

Merger/
Branch

Fanners State Bank of Western Illinois
New Windsor, Illinois
Bank of Alexis
Alexis, Illinois
Branch at Alexis location*

N

- **

EFT

Bank of Lenawee
Adrian, Michigan
Comer of U.S. 223 West and South
Main Street
Adrian, Michigan*

N

- 4-21-91

Section II - Applications Subject to Both Newspaper and Federal
Register Notice
Comment Period
Ending Date

Type

Application

Y-2

Prairie Bancorp
Manlius, Illinois
Bank of Ladd
Ladd, Illinois*

FR - 4-15-91
N - 3-12-91

CoC-HC

Williamsburg Holding Company
Omaha, Nebraska
Michael T. and Susan B. Dobel

FR - 4-29-91
N - 4-29-91

Y-l

Westchester Financial Corporation
Naperville, Illinois
First Bank of Channahon (in organization)
Channahon, Illinois*

FR - 3-15-91
NP - 2-28-91

Y-2

First Decatur Bancshares, Inc.
Decatur, Illinois
First National Bank of Mt. Zion
Mt. Zion, Illinois*

FR - **
n - 5-3-91




Federal Reserve Bank of Chicago

Section III - Applications Subject to Federal Registar
Notice Only
Garment Period
Application
Ending Date

Type
4(c)(8)

First of America Bank Corporation
Kalamazoo, Michigan
First of America Community Development
Corporation
Kalamazoo, Michigan

FR - **

Section IV - Applications Not Subject to Federal Register or Newspaper
Notice
Type

Application

None

N
FR
*
**

-




Newspaper
Federal Register
Subject to Provisions of Gcmmunity Reinvestment Act
Not available at this time

AVAILABILITY OF CRA PUBLIC EVALUATIONS
The following institutions were examined for CRA. The 30-business day
period the bank has to make the evaluation public has lapsed during the
week ending April 12 , 1991.

BANK NAME/IOCATTON
NONE




EXAMINATION DATE

Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING APRIL 19, 1991

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application
*

End of Comment Period

Section 9 application by
Farmers Bank & Trust of
Blytheville, Blytheville, Arkansas
to establish a branch at WalMart
Shopping Center, Highway 18
East, Blytheville, Arkansas

Not yet available

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
Application
*

End of Comment Period

Section 3(a)(3) application by Sun
Financial Corporation, Earth City,
Missouri to acquire Summit Bank,
Holts Summit, Missouri

Not yet available

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application

End of Comment Period

None.

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
Application
End of Comment Period
Section 9 application by
FirstBank of Arkansas,
Kensett, Arkansas to become
a member of the Federal Reserve
System

* This application is subject to CRA.




Not yet available*

Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING APRIL 19, 1991

AVAILABILITY OF CRA PUBLIC DISCLOSURES

Bank Name
The Peoples Bank and
Trust Company




City and State

Greensburg, Kentucky

Examination Date

1-22-91

FEDERAL RESERVE BANK OF MINNEAPOLIS

Section I - Applications Subject to
Newspaper Notice Only
Comment Period
Ending Date

Application
Norwest Bank International Colorado
Minneapolis, MN
To estabilsh a branch in Denver, Co

Not yet available

Section II - Applications Subject to Both
Newspaper and Federal Register Notice

Application

Comment Period
Ending Date

Gale M. Hoese
To increase his percentage of control
from 21.89% to 32.84% of the voting
shares of Security Bancshares Co.,
Glencoe, MN

5-6-91
(Federal Register)

Charles Refling, Paul Refling and
Mark Refling
To increase their ownership interests
from 21.37%, 17.67%, and 17.67%,
respectively, to 37.69%, 31.16%, and
31.16%, respectively, of the voting
shares of First Bottineau, Inc.,
Bottineau, ND

5-8-91
(Federal Register)

South Dakota Financial Bancorporation, Inc.
Mpls, MN
To acquire 99.75% of Tri-County State
Bank, Chamberlain, SD; 87.18% of Farmers
and Merchants Bank, Huron, SD; 99.44% of
Dakota State Bank, Milbank, SD; 100% of
Marquette Bank, N.A., Sioux Falls, SD*

5-14-91
(Federal Register)

^Subject to CRA




FEDERAL RESERVE BANK OF MINNEAPOLIS

Section II - Applications Subject to Both
Newspaper and Federal Register Notice (Continued)
Comment Period
Ending Date

Application
Dakota Company, Inc.
Mpls, MN
To indirectly, through its ownership
of 63.83% of South Dakota Bancorp, Inc.,
acquire 90.7% of South Dakota Financial
Bancorporation, Inc., Mpls, MN, which
proposes to acquire 99.75% of Tri-County
State Bank, Chamberlain, SD*

5-14-91
(Federal Register)

South Dakota Bancorp, Inc.
Mpls, MN
To acquire 90.7% of South Dakota Financial
Bancorporation, Inc., Mpls, MN, which
proposes to acquire 99.75% of Tri-County
State Bank, Chamberlain, SD*

5-14-91
(Federal Register)

Kenneth L. Kellar
To acquire control of 100% of Security
State Agency of Aitkin, Inc., Aitkin,
MN

5-14-91
(Federal Register)

Section III - Applications Subject
to Federal Register Notice Only

Application
Norwest Bank Minnesota N.A.
Minneapolis, MN
To establish a new Edge Act
corporation, Norwest Bank
International Colorado,
Minneapolis, MN

^Subject to CRA




Comment Period
Ending Date
4-29-91




Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Adams Investment Company
Fergus Falls, MN
To redeem 25.90% of its
voting shares
Norwest Bank Minnesota, N.A.
Minneapolis, MN
To invest in a foreign bank,
Norwest Bank International Grand
Cayman, George Town, Grand Cay­
man, British West Indies

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending April 19, 1991
Bank Name

City/State

Examination Date

The Northwestern Bank

Chippewa Falls, WI

January 28, 1991




Federal Reserve Bank of Kansas City

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION
Triad Bank, N.A., Tulsa, Oklahoma,
for prior approval for membership in
the Federal Reserve System.

COMMENT PERIOD ENDING DATE
Not A v ailable

SECTION I I - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
APPLICATION

COMMENT PERIOD ENDING DATE

First Lindsay Corporation, Lindsay,
Oklahoma, for prior approval to
become a bank holding company through
the acquisition of 80 percent of the
voting shares of First National Bank,
Lindsay, Oklahoma.*

Not Available

Telluride Bancorp, Ltd., Telluride,
Colorado, for prior approval to
acquire 100 percent of the voting
shares of San Miguel Investment Co.,
parent of San Miguel Basin State
Bank, both of Norwood, Colorado.*

Not A v a ilable

First Universal Bancorporation, Inc.,
Aurora, Colorado, for prior approval
to acquire 87.75 percent of the
voting shares of Bank of the West,
Parker, Colorado.*

Not Available

David C. and Oneida Sue Maysey,
Canute, Oklahoma, for prior approval
to acquire 25.90 percent of Canute
Bancshares, Inc., Clinton, Oklahoma.

Not Available

Big Sandy Holding Company, Limon,
Colorado, for prior approval to
become a bank holding company through
the acquisition of 90 percent of the
voting shares of First National Bank
of Limon, Limon, Colorado.*

Not A v ailable

H. Alan Bell Trust II, Manhattan,
Kansas, for approval to retain its
proportionate ownership increase in
BellCorp, Inc., Manhattan, Kansas, by
19.47 percent to 42.70 percent.

Not A v ailable




Federal Reserve Bank of Kansas City

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE O N L Y
APPLICATION

COMMENT

PERIOD

ENDING

DATE

None.

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
APPLICATION

B e l l C o r p , Inc., Manhattan, Kansas,
f o r a p p r o v a l to r e d e e m 108 s h a r e s of
i t s o w n v o t i n g c o m m o n stock, a n d
1 , 2 9 8 s h a r e s of its p r e f e r r e d B
stock.

SECTION X - AVAILABILITY OF CRA PUBLIC EVALUATIONS *
BANK/LOCATION

Boswell

State

*Application




is

Bank,

EXAMINATION

Boswell,

subject

to C R A

Oklahoma

January

28,

DATE

1991

FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF APRIL 15, 1991
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY

APPLICATION

NOTICE EXP

None.
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE

APPLICATION

** NOTICE EXP

Change in Control Notice by
Dan H. Cook, Wilson, TX, to acquire an interest in
Wilson Bancshares, Inc., Wilson, TX

N/A

*Section 3(a)(3) application by
Overton Financial Corporation, Overton, TX, to acquire
Lindale Bancshares, Inc., Lindale, TX, and Lindale State
Bank, Lindale, TX

05/11/91

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY

APPLICATION

NOTICE EXP

None.
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE

APPLICATION
None.
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
FOR THE WEEK OF APRIL 15, 1991

Name of Bank

City & State

First Bank & Trust of
Clarendon

Clarendon, TX

Date of Examination
11/26/90

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




FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 4/19/91
Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Northrim Bank, Anchorage, Alaska, to establish
a mobile branch in the Anchorage area of
Alaska. *

Newspaper:

Not available

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Topdanmark A/S, Ballerup, Denmark, to become
a bank holding company by acquiring National
Bank of Long Beach, Long Beach, California. *

Newspaper:

5/13/91

Fed. Reg.:

5/20/91

Section III - Applications Sub.iect to Federal Register Notice Only
The Mitsubishi Bank, Limited, Tokyo, Japan,
to engage in clearing and execution of
financial futures contracts and options through
Mitsubishi Financial Futures, Inc., Chicago,
Illinois.

Fed. Rea.: Not yet published

Bancorp Hawaii, Inc., Honolulu, Hawaii, to
engage de novo in securities brokerage
and investment advisory services through
Bancorp Investment Group, Ltd., Honolulu,
Hawai i.

Fed. Reg.: Not yet published

Section IV - Applications Not Sub.iect to Federal Register Notice
or Newspaper Notice
Topdanmark A/S, Ballerup, Denmark, request for an exemption
from the standard for a qualifying foreign banking organization.




FEDERAL RESERVE BANK OF SAN FRANCISCO ( c o n t 'd . )

Week ending 4/19/91
Section V - Availability of CRA Public Evaluations

*

Information about a particular institution's CRA evaluation may be obtained
directly from the institution.
Institution

Location

The Bank of Pleasanton

Pleasanton, CA

* Subject to CRA




Examination Date
1/07/91

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