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ANNOUNCEMENT

H.2, 1996, No. 14
RESEARCH LlB^ftions of the Board, its Staff, and

BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM M

U

the Federal Reserve Banks;
Applications and Reports Received
D g r $ n g | W e e k Ending April 6, 1996

ACTIONS TAKEN BY THE BOARD

BANK HOLDING COMPANIES
Butte Bank Shares, Inc., Butte, Montana -- to acquire
shares of First Citizens Bank of Butte.
Approved, April 1, 1996.
Emigrant Bancorp, Inc., New York, New York -- to
indirectly acquire shares of Queens County Bancorp,
Inc., Flushing, New York, and Queens County Savings
Bank .
Approved, April 1, 1996.
North Fork Bancorporation, Inc., Mattituck, New York,
and North Fork Bank -- request for reconsideration
of the applications to acquire Extebank, Stony
Brook, New York.
Denied, April 1, 1996.
Wilson Bank Holding Company, Lebanon, Tennessee -- to
acquire Dekalb Community Bank, Smithville,
Tennessee.
Approved, April 1, 1996.
BOARD OPERATIONS
Internet -- funding to support development of
information systems for the World Wide Web.
Approved, April 5, 1996.
INTERNATIONAL OPERATIONS




Clear Creek Bank Corp., Idaho Springs, Idaho -- to
establish DahtBank International Limited, The
Valley, Anguilla, British West Indies.
Denied, April 1, 1996.

H. 2
A P R I L 1, 1996
PAGE 2

TO

A P R I L 5, 1996

ACTIONS TAK E N BY THE S T A F F AND T HE F E D E R A L R E S E R V E B ANKS

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




Dallas

Central Bank, Monroe, Louisiana -- to establish a
branch at 330 Marshall Street, Suite 130,
Shreveport, Louisiana.
Approved, April 1, 1996.

Dallas

Central Bank, Monroe, Louisiana - - t o close its Line
33 branch at 2109 Farmerville Highway, Ruston,
Louisiana.
Approved, April 1, 1996.

New York

Chemical Bank, New York, New York - - t o establish a
branch at Eugenio Maria de Hostos Community College
of the City University of New York, 500 Grand
Concourse, Bronx, New York.
Approved, April 3, 1996.

Chicago

First State Bank of Maple Park, Maple Park,
Illinois -- to establish a branch at the Southeast
corner of Route 47 and Prairie Valley Street,
Elburn, Illinois.
Returned, April 4, 1996.

San Francisco

First Utah Bank, Salt Lake City, Utah -- to establish
a branch at 3541 West 1987 South, Salt Lake City,
Utah.
Approved, April 5, 1996.

Atlanta

Republic Security Bank, West Palm Beach, Florida -to establish a branch at 1 1 1 South Flagler Drive,
West Palm Beach, Florida.
Approved, April 5, 1996.

Cleveland

Richwood Banking Company, Richwood, Ohio - - t o
establish a customer-bank communication terminal at
CJ's Market, 5 Mill Street, Milford, Ohio.
Approved, April 5, 1996.
—

Cleveland

Richwood Banking Company, Richwood, Ohio -- to
establish a customer-bank communication terminal at
Village Mart, 10162 US Route 42 North, Marysville,
Ohio .
Approved, April 5, 1996.

H .2
A P R I L 1, 1996
PAGE 3

TO

A P R I L 5, 1996

A C T I O N S T AKEN BY THE S T A F F A N D THE FE D E R A L R E S E R V E B A N K S
UNDER DELEGATED AUTHORITY

BANK BRANCHES. DOMESTIC
Richmond

Union Bank and Trust Company, Bowling Green, Virginia
-- to establish a branch at 8520 Jefferson Davis
Highway, Fredericksburg, Virginia.
Approved, April 5, 1996.

BANK HOLDING COMPANIES




Philadelphia

BT Financial Corporation, Johnstown, Pennsylvania -to merge with Moxham Bank Corporation, and engage
in community development activities through Moxham
Community Development Corporation.
Approved, April 2, 1996.

Dallas

City State Bancshares, Inc., Palacios, Texas - - t o
acquire City State Bancshares, Inc.,-Delaware,
Dover, Delaware, and City State Bank of Palacios,
Palacios, Texas.
Approved, April 4, 1996.

Dallas

City State Bancshares, Inc.-Delaware, Dover, Delaware
-- to acquire City State Bank of Palacios,
Palacios, Texas.
Approved, April 4, 1996.

Kansas City

ComBankshares, Inc., Prairie Village, Kansas -- to
acquire Community Bank, Chapman, Kansas.
Approved, April 1, 1996.

New York

Community First Banking Company, Tinton Falls, New
Jersey - - t o acquire Tinton Falls State Bank.
Approved, April <, 1996.
4

Minneapolis

Community First Bankshares, Inc., Fargo, North Dakota
-- to engage in insurance agency activities through
the acquisition of certain assets of Wheaton
Insurance Agency, Inc., Wheaton, Minnesota.
Approved, April 1, 1996.

St. Louis

Crawford Financial Corporation, Indianapolis, Indiana
-- to acquire Marengo State Bank, Marengo, Indiana.
Approved, April 2, 1996.

H.2
A P R I L 1, 1996
PAGE 9

TO

A P R I L 5, 1996

A C T I O N S TAKEN BY THE ST A F F A ND THE F E DERAL R E S E R V E BANKS
UNDER DELEGATED AUTHORITY

BANK HOLDING COMPANIES




Chicago

First Chicago NBD Corporation, Chicago, Illinois -to acquire Barrington Bancorp, Inc., Barrington,
Illinois, and First Federal Savings Bank of
Barrington.
Approved, April 1, 1996.

Chicago

First Chicago NBD Corporation, Chicago, Illinois -to exercise option to acquire additional shares of
Barrington Bancorp, Inc., Barrington, Illinois, and
thereby indirectly acquire First Federal Savings
Bank of Barrington.
Approved, April 1, 1996.

Chicago

MAF Bancorp, Inc., Clarendon Hills, Illinois -waiver of application to acquire N.S. Bancorp,
Inc., Chicago, Illinois, and Northwestern Savings
Bank.
Approved, April 4, 1996.

Chicago

MidStates Bancshares, Inc., Harlan, Iowa - - t o engage
de novo in securities brokerage and insurance
agency activities through Midstates Financial
Services, Inc.
Permitted, April 2, 1996.

Minneapolis

Norwest Corporation, Minneapolis, Minnesota -- to
establish a joint venture, Mortgage Professionals,
West Des Moines, Iowa, and engage in residential
mortgage lending activities.
Approved, April 5, 1996.

Kansas City

R. Banking Limited Partnership, Oklahoma City,
Oklahoma -- fluctuation of its ownership of common
stock of BancFirst Corporation, Inc.
Approved, April 3, 1996.

H .2
A P R I L 1, 1996
PAGE 5

TO

A P R I L 5, 1996

A C T I O N S TAKEN BY THE S T A F F AND THE FEDERAL R E S E R V E BANKS
UNDER DELEGATED AUTHORITY

BANK HOLDING COMPANIES
Kansas City

St. Edward Management Company, St. Edward, Nebraska - to engage de novo in community development
activities.
Permitted, April 3, 1996.

Director, BS&R

Stichting Prioriteit ABN AMRO Holding, Amsterdam, The
Netherlands, Stichting Admninistratiekantoor ABN
AMRO Holding, ABN AMRO Holding N.V., ABN AMRO Bank
N.V.; and ABN AMRO North America, Chicago, Illinois
-- to merge section 20 companies, ABN AMRO
Securities (USA) Inc., Chicago, Illinois, and
Alfred Berg, Inc., New York, New York.
Approved, April 3, 1996.

Chicago

Valley Community Bancorp, Inc., St. Charles, Illinois
-- to acquire Valley Community Bank.
Approved, April 4, 1996.

New York

Westwood Financial Corp. Westwood, New Jersey -- to
,
acquire Westwood Savings Bank.
Approved, April 5, 1996.

BANK MERGERS
Philadelphia

Johnstown Bank and Trust Company, Johnstown,
Pennsylvania -- to merge with The Moxham National
Bank of Johnstown.
Approved, April 2, 1996.

CAPITAL STOCK




Dallas

City State Bancshares, Inc., Palacios, Texas -redemption of shares.
Approved, April 4, 1996.

Minneapolis

Currie Bancorporation, Inc., Currie, Minnesota -redemption of shares.
Approved, April 2, 1996.
—

Chicago

Thumb National bank and Trust Company, Pigeon,
Michigan -- redemption of shares.
Approved, April 4, 1996.

H.2
A P R I L 1, 1996
PAGE 6

TO

A P R I L 5, 1996

A C T I O N S TA K E N BY T HE S T A F F A N D THE F E D E R A L R E S E R V E B A NKS
UNDER DELEGATED AUTHORITY

CHANGE IN BANK CONTROL
Kansas City

Citizens Bankshares, Inc., Farmington, New Mexico -change in bank control.
Permitted, April 3, 1996.

Chicago

Community Bancshares of Wisconsin, Inc., Grafton,
Wisconsin --change in bank control.
Permitted, April 3, 1996.

Atlanta

Intervest Bancshares Corporation, New York, New
York -- change in bank control.
Permitted, April 3, 1996.

COMPETITIVE FACTORS REPORTS




Atlanta

Community Bank, Blountsville, Alabama, proposed
purchase of the assets and assumption of the
liabilities of the Uniontown branch of Compass
Bank, Birmingham, Alabama -- report on competitive
factors.
Submitted, April 3, 1996.

Chicago

Farmers Savings Bank, Beaman, Iowa, proposed merger
with the Albion, Iowa, branch of Brenton Bank, Des
Moines, Iowa, and establishment of a branch -report on competitive factors.
Submitted, April 4, 1996.

Dallas

First Community Bank, Winnfield, Louisiana, proposed
merger with Sabine State Bank and Trust Company,
Many, Texas -- report on competitive factors.
Submitted, April 5, 1996.

Chicago

First National Bank, Fontanelle, Fontanelle, Iowa,
proposed acquisition of the assets and assumption
of the liabilities of the Greenfield, Iowa, branch
of Boatmen’s Bank Iowa, National Association, Des
Moines, Iowa -- report on competitive factors.
Submitted, April 4, 1996.

Richmond

First National Bank, Christiansburg, Virginia,
proposed merger with FNB Bank, National Association
-- report on competitive factors.
Submitted, April 5, 1996.

H.2
APRIL 1,
PAGE 7

1996

TO

APRIL 5 ,

1996

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

COMPETITIVE FACTORS REPORTS




Chicago

First National Bank of Chicago, Chicago, Illinois,
proposed merger with First Federal Savings Bank of
Barrington, Barrington, Illinois -- report on
competitive factors.
Submitted, April 1, 1996.

Richmond

First Union National Bank of Maryland, Rockville,
Maryland, proposed purchase of certain assets and
assumption of certain liabilities of First Union
National Bank, Clkton, Maryland -- report on
competitive factors.
Submitted, April 4, 1996.

Richmond

First Union National Bank of Maryland, Rockville,
Maryland, proposed merger with New National Bank of
Maryland -- report on competitive factors.
Submitted, April 5, 1996.

Chicago

MAF Bancorp, Inc., Clarendon Hills, Illinois -proposed merger with N.S. Bancorp, Inc., Chicago,
Illinois -- report on competitive factors.
Submitted, April 4, 1996.

St. Louis.

Mercantile Bank of Mt. Vernon, Mt. Vernon, Illinois,
proposed merger with Mercantile Bank of Carlyle,
Carlyle; Mercantile Bank of Centralia, Centralia,
and Mercantile Bank of Flora, Flora, Illinois -report on competitive factors.
Submitted, April 4, 1996.

St. Louis

National Bank of Carmi, Carmi, Illinois, proposed
merger with Carmi Merger Bank, N.A. -- report on
competitive factors.
Submitted, April 5, 1996.

Atlanta

Regions Bank of Louisiana, Baton Rouge, Louisiana,
proposed acquisition of the assets and assumption
of the liabilities of the Baton Rouge, Louisiana,
branch of ArgentBank, Thibodaux, Louisiana -report on competitive factors.
Submitted, April 3, 1996.

H.2
A P R I L 1, 1996
P AGE 8

TO

A P R I L 5, 1996

A C T I O N S TAKEN BY THE S T A F F A N D T HE F E D E R A L R E S E R V E BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS
Dallas

River Valley Bank, FSB, Weslaco, Texas, proposed
purchase of the assets and assumption of the
liabilities of International Bank of Commerce,
Laredo, Texas -- report pn competitive factors.
Submitted, April 2, 1996.

Chicago

Tompkins State Bank, Avon, Illinois, proposed
acquisition of the assets and assumption of the
liabilities of the Abingdon, Illinois, branch of
Norwest Bank Illinois, N.A. , Galesburg, Illinois -report on competitive factors.
Submitted, April 4, 1996.

Minneapolis

United Savings Bank F.A., Great Falls, Montana*
proposed merger with Interim Federal Savings Bank - report on competitive factors.
Submitted, April 4, 1996.

New York

Westwood Savings Bank, Westwood, New Jersey, proposed
merger with Westwood Interim Savings Bank, a
subsidiary of Bergen North Financial, M.H.C., to
facilitate the reorganization of Bergen North, a
mutual holding company, into a stock holding
company -- report on competitive factors.
Submitted, April 4, 1996.

EXTENSIONS OF TIME




Atlanta

ABS Investors, LLC, Atlanta, Georgia -- extension to
July 4, 1996, to acquire American Bankshares, Inc.,
Marietta, Georgia.
Granted, April 2, 1996.

Richmond

Allied Irish Banks, p.l.c., Dublin, Ireland -extension to July 7, 1996, within which AIB
Investment Managers Limited may engage in providing
investment advice as a commodity trading advisor
with respect to financial futures and options on
financial futures.
Granted, April 3, 1996.

San Francisco

Pacific Rim Bancorporation, San Francisco, California
-- extensions to divest certain properties.
Granted, April
,
1996.

H .2
A P R I L 1, 1996
PAGE 9

TO

A P R I L 5, 1996

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

EXTENSIONS OF TIME
Chicago

Thumb Bancorp, Inc., Pigeon, Michigan -- extension to
June 28, 1996, to acquire Thumb National Bank and
Trust Company.
Granted, April 4, 1996.

RESERVE BANK OPERATIONS




Director, FRBO

Federal Reserve Bank of Kansas City -- to purchase
telecommunications equipment at certain District
locations.
Approved, April 5, 1996.

H.2
A P R I L 1, 1996
PAGE 10

ADDITIONS AND CORRECTIONS
TO

A P R I L 5, 1996

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

BANKS, NONMEMBER, AND MISCELLANEOUS INSTITUTIONS




Director, BS&R

Boatmen’s Trust Company of Texas, Houston, Texas -registration as transfer agent.
Approved, March 1, 1996.

Director, BS&R

NationsBank Trust Company of New York, New York, New
York -- registration statement.
Withdrawn, March 1, 1996.

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS
SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY
Application

Comment Period Ending Date
NONE

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

Comment Period Ending Date
NONE

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

Application

NONE

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

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Institution

Examination Date

Rating**

NONE

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




"N" - Needs to

FEDERAL RESERVE BANK OF NEW YORK
Comment Period
Ending Date

Applications Subject to Newspaper
________Notice Only________
Marine Midland Bank, Buffalo, New York, to establish a branch on
Route 31, 1122A Maple Ridge Rd., Township o f Shelby (1122A Maple
Ridge Road, Medina), New York. 1/

04/24/96

SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
None.
SECTION III
Nonbanking Applications
(subject to Federal Register Notice Only!
The Industrial Bank of Japan, Ltd., Tokyo, Japan, to acquire one share
of GovPx, Inc., New York, New York, and thereby to engage in data
processing activities pursuant to Section 225.25(b)(7) of Regulation Y.
SECTION IV
Applications Not Involving
Public Comment
None.
SECTION V
Availability of CRA Public Evaluations
In connection with the assessment of each insured depository institution's
CRA performance, a rating is assigned from the following group:
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




N/A

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
The following institutions w ere examined for CRA. T h e 30-business day period the bank
has to make the evaluation public -has lapsed during the week ending*April 5, 1996.
Identification of Ratings
In connection with the assessment of each insured depository institution’s C R A perform ance,
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 m eet the credit needs of its entire delineated community, including low- and
m oderate-incom e neighborhoods, in a m anner 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 m eet the
credit needs of its entire delineated community, including low- and m oderate-incom e
neighborhoods, in a m anner 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 m eet the credit needs of its entire delineated community, including low- and m oderateincome neighborhoods, in a m anner 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 m eet the credit needs of its entire delineated community, including low- and m oderateincome neighborhoods, in a m anner consistent with its resources and capabilities.
Bank/Location

Examination D ate

CRA Rating

NONE

NONE

NONE




F ederal Reserve Bank
of C leveland
P. O. BOX 6387
CLEVELAND, OHIO 44101-1387

APPLICATIONS BULLETIN
(For the week ending April 6, 1996)
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
Received notice from The Fifth Third Bank, Cincinnati, Ohio,
on April 5, 1996, o f its intent to establish a branch facility at
5210 State Route 741, Mason, Ohio.
Received application from The Croghan Colonial Bank, Fremont,
Ohio, on April 1, 1996, of its intent to merge with Union Bank
and Savings Company, Bellevue, Ohio.
SECTION

* April 27, 1996

* Not Yet Known #

n - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL
REGISTER NOTICE

Received Section 3(a)(1) application from Pennwood Bancorp, Inc.,
Pittsburgh, Pennsylvania, March 18, 1996, of its intent to acquire
Pennwood Savings Bank, Pittsburgh, Pennsylvania.

* Not Yet Known #

Received Section 3(a)(3) application from Croghan Bancshares, Inc.,
Fremont, Ohio, on April 1, 1996, to acquire Union Bancshares Corp.,
Bellevue, Ohio.

* Not Yet Known #

SECTION m - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
Received Section 4(c)(8) notice from PNC Bank Corp., Pittsburgh,
Pennsylvania, on April 3, 1996, of its intent to acquire a 20 percent
equity interest in Bankvest Capital Corp., Westboro, Massachussets,
through its wholly-owned subsidiary PNC Venture Corp.

April 24, 1996

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

* - Subject to CRA
N - Newspaper Comment Period
F - Federal Register Comment Period
H - Expected to End 30 Days from Date of Receipt



AVAILABILITY OF CRA PUBLIC EVALUATIONS
(April 5, 1996)

The following state member banks have been examined by the Federal Reserve Bank of
Cleveland for compliance with The Community Reinvestment Act. A public evaluation
document became available from the bank(s) listed below during the week ended April 5, 1996.
If you are interested in obtaining a copy of an evaluation document, please contact the bank(s)
directly.
There are four descriptive ratings for CRA:
OUTSTANDING: a bank 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.
SA TISFACTORY: a bank in this group has a satisfactory record of ascertaining and
helping to meet the credit needs o f its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
NEEDS TO IM PR O V E: a bank 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 NON COM PLIANCE: a bank in this group has a substantially
deficient record of ascertaining and helping to meet the credit needs o f its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.
NONE




Federal Reserve Bank of Richmond

Section I - Applications Subject to Newspaper
Notice Only
Application

Comment Period Ending Date

Fairfax Bank & Trust Company, Fairfax,
Virginia, to establish a branch at
6257A Old Dominion Drive, McLean,
Virginia.*

4-29-96

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

^Application is subject to CRA requirements.




F e d e r a l R e s e r v e B a n k of R i c h m o n d
Section V - Availability of CRA Public Evaluations
Week ending April 5, 1996

Definition of 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 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 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.
Examination
Date

None.




Rating

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending April 5, 1996
Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

None.
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

Key Florida Bancorp, Inc.
Not yet available*
Bradenton, Florida
1-BHC formation, Liberty National Bank, Bradenton, Florida.
Monticello Bancshares, Inc.
Monticello, Georgia
1-BHC formation, Bank of Monticello, Monticello, Georgia.

04-01-96*
Newspaper

Section 3 - Applications Subject to Federal Register Only
Application

Comment Period Ending Date

First Commerce Corporation
Not
New Orleans, Louisiana
To engage in community development investment activities,
225.25 (b) (6) of Regulation Y and Section 4 (c) (8) of the Bank
through its proposed investment in a community development
known as ”150 Baronne Street Limited Partnership."

yet available
pursuant to Section
Holding Company Act,
limited partnership

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
None.

*Subject to provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending April 5, 1996
Recently Approved Applications

Approval Date

Capital City Bank Group, Inc.
04-01-96
Tallahassee, Florida
To acquire First Financial Bancorp, Inc., Tallahassee, Florida (a thrift holding
corporation), and thereby engage in operating a savings association, pursuant to
Section 4(c) (8) of the Bank Holding Company Act and Section 225.25 (b) (9) of
Regulation Y.
Capital City Bank
Tallahassee, Florida
04-01-96
To merge with First Federal Bank, Tallahassee, Florida, pursuant to Section 18(c)
of the Federal Deposit Insurance A c t .
Capital City Bank
04-01-96
Tallahassee, Florida
To acquire certain assets and assume certain liabilities of First Federal Bank,
Tallahassee, Florida, pursuant to Section 5(d)(3) of the Federal Deposit
Insurance Act, as amended by the Federal Deposit Insurance Corporation
Improvement Act of 1991.
Intervest Bancshares Corporation
04-03-96
New York, New York
Change in control notice by Mr. Jerome Dansker to acquire an additional 25
percent of the outstanding Class A shares of Intervest Bancshares Corporation,
New York, New York.
Mr. Dansker's total ownership will equal 26.2 percent of
Class A common stock.




F e d e r a l R e s e r v e B a n k of A t l a n t a
A p p l i c a t i o n s B u l l e t i n f o r W e e k E n d i n g A p r i l 5, 1996
Section 10 - Availability of CRA Public Evaluations
The CRA public evaluations of the insured depository institutions listed below
became available during this week.
Information about an institution's CRA
evaluation may be obtained directly from the institution. In connection with the
assessment of an institution's CRA performance, a rating is assigned from the
following groups:
Outstanding record of meeting community credit needs:
An institution 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 moderateincome neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs:
An institution 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 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 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.
Examination
Bank
CRA Rating
Date
Family Bank
Post Office Box 10
Hallandale, Florida
(305)458-2211




Satisfactory
33009

12-26-95

Federal Reserve Bank of Chicago
Section I - Applications Subject to Newspaper
Notice Only
Comment Period
Ending Date

Type

Application

Branch

Sparta State Bank
Sparta, Michigan
4170 17 Mile Road
Cedar Springs, Michigan
4949 Plainfield, N.E.
Plainfield, Michigan

NP - 4-5-96

Merger/Branch

Baylake Bank
Sturgeon Bay, Wisconsin
to acquire the assets and liabilities of The Bank,
Manawa, Wisconsin, & establish a branch at
431 S. Bridge Street, Manawa, Wisconsin
and at King, Wisconsin

N p . **

Branch

First State Bank of Maple Park
Maple Park, Illinois
at Southeast corner of Rte 47 & Prairie Valley St.
Elburn, Illinois

NP - **

Branch

Fifth Third Bank of Central Indiana
Indianapolis, Indiana
State Road 135 and Fry Road
Greenwood, Indiana

NP - 4-6-96

Branch

Fifth Third Bank of Central Indiana
Indianapolis, Indiana
7272 Fishers Crossing Drive
Fishers, Indiana

NP - 4-6-96

Branch

F&M Bank - Northeast
Pulaski, Wisconsin
2300 South Oneida Street
Ashwaubenon, Wisconsin

NP - 4-19-96

NP - Newspaper
FR - Federal Register
* - Subject to Provisions of Community Reinvestment Act
** - Not available at this time



Federal Reserve Bank of Chicago
Section I - Applications Subject to Newspaper
Notice Only
Comment Period
Ending Date

Type

Application

Branch

Capac State Bank
Capac, Michigan
In the vincinty of North Avenue and Armada Ridge Road
Armada, Michigan

NP - 4-20-96

Branch

1st Source Bank
South Bend, Indiana
3600 Portage Avenue
South Bend, Indiana
5020 Grape Road
Mishawaka, Indiana

NP - 4-19-96

Branch

Union Bank & Trust Company
Evansville, Wisconsin
210 Commercial Street
Brooklyn, Wisconsin

NP - 4-20-96

Branch

Northern Trust Company
Chicago, Illinois
826 S. Northwest Highway
Barrington, Illinois

NP - 4-15-96




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

Type

Application

Y-l

CBR Holdings, Inc.*
Winnetka, Illinois
Community Bank of Ravenswood
Chicago, Illinois (in'organization)

FR - 4-25-96
NP - **

Y-l

Main Street Bancorp, Inc.*
Princeville, Illinois
Princeville State Bank
Princeville, Illinois

FR - 4-8-96
NP _ **

Y-2

Capitol Bancorp, Ltd*.
Lansing, Michigan
Bank of Tucson
Tucson, Arizona

FR - 2-28-96
NP - 4-20-96

Y-2

Associated Banc-Corp*.
Green Bay, Wisconsin
Mid-America National Bancorp, Inc.
Chicago, Illinois
Mid-America National Bank of Chicago
Chicago, Illinois

FR - 5-2-96
jsjp _ **

Y-2

Associated Illinois Banc Corp.*
Green Bay, Wisconsin
Mid-America National Bancorp, Inc.
Chicago, Illinois
Mid-America National Bank of Chicago
Chicago, Illinois

FR - 5-2-96
NP . **

Y-l

Figge Bancshares, Inc.*
Davenport, Iowa
Ossian State Bank
Ossian, Iowa
Iowa State Bank
Calmar, Iowa

FR - 4-22-96
NP - 4-22-96

Y-2

Associated Banc-Corp.*
Green Bay, Wisconsin
F&M Bankshares of Reedsburg, Inc.
Reedsburg, Wisconsin
Farmers & Merchants Bank
Reedsburg, Wisconsin

FR - 4-25-96
jsjp _ **




Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspaper and Federal
Register Notice Cont’d
Comment Period
Ending Date

Im

Application

Y-2

Associated Banc-Shares, Inc."1
Madison, Wisconsin
F&M Bankshares of Reedsburg, Inc.
Reedsburg, Wisconsin..
Farmers & Merchants Bank
Reedsburg, Wisconsin

FR - 4-25-96
N P - **

Y-2

Firstar Corporation*
Milwaukee, Wisconsin
Jacob Schmidt Company
St. Paul, Minnesota
American Bancorporation, Inc.
St. Paul, Minnesota
American Bank, NA
St. Paul, Minnesota
American Commercial Bank
St. Paul, Minnesota
American Bank Moorhead
Moorhead, Minnesota
American Bank Lake City
Lake City, Minnesota

FR - 4-19-96
NP - 4-24-96

Y-l

Delavan Bancshares, Inc.*
Delavan, Wisconsin
Community Bank Delavan
Delavan, Wisconsin (in organization)

FR - 4-26-96
NP - 4-26-96

Y-2

F & M Bancorporation, Inc.*
Kaukauna, Wisconsin
Community State Bank
Algoma, Wisconsin

FR - **
NP - **

Y-2

Van Diest Investment Company*
Ankeny, Iowa
East Des Moines National Bank
Des Moines, Iowa

FR - **
jsjp . **

COC-HC

A.M. Saylor, Incorporated*
Hampton, Iowa
by Roger Doughan

FR - **
N P . **

COC-HC

Northern Bancshares, Inc.*
McFarland, Wisconsin
by Patricia N. Locke

PR _ **
NP - **




Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspaper and Federal
Register Notice Cont’d
Comment Period
Ending Date

I yes

Application

Y-2

Firstar Corporation of Minnesota*
Milwaukee, Wisconsin
Jacob Schmidt Company
St. Paul, Minnesota'*
American Bancorporation, Inc.
St. Paul, Minnesota
American Bank, NA
St. Paul, Minnesota
American Commercial Bank
St. Paul, Minnesota
American Bank Moorhead
Moorhead, Minnesota
American Bank Lake City
Lake City, Minnesota

FR - 4-19-96
NP - 4-24-96

Y-2

Independent Bank Corporation*
Ionia, Michigan
North Bank Corporation
Hale, Michigan
North Bank
Hale, Michigan

FR - 4-26-96
NP - 4-28-96

Y-l

Wildcat, Inc.*
Cedar Rapids, Iowa
VCR Bancorporation, Ltd.
Carlisle, Iowa
Hartford-Carlisle Savings Bank
Carlisle, Iowa

FR - 4-26-96
NP - **




Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspaper and Federal
Reeister Notice Cont’d
Comment Period
Ending Date

Type

Application

Y-2

Northland Insurance Agency, Inc.*
Chicago, Illinois
Grand Premier Financial, Inc.
Wauconda, Illinois
Northern Illinois Financial Corporation
Wauconda, Illinois
Grand National Bank
Wauconda, Illinois
Premier Financial Services, Inc.
Freeport, Illinois
First Bank North
Freeport, Illinois
First Bank South
Dixon, Illinois
Premier Acquisition Company
Freeport, Illinois
First National Bank of Northbrook
Northbrook, Illinois
First Security Bank of Cary-Grove
Cary, Illinois

PR _ **
NP - **

Y-2

Keeco, Inc.*
Chicago, Illinois
Grand Premier Financial, Inc.
Wauconda, Illinois
Northern Illinois Financial Corporation
Wauconda, Illinois
Grand National Bank
Wauconda, Illinois
Premier Financial Services, Inc.
Freeport, Illinois
First Bank North
Freeport, Illinois
First Bank South
Dixon, Illinois
Premier Acquisition Company
Freeport, Illinois
First National Bank of Northbrook
Northbrook, Illinois
First Security Bank of Cary-Grove
Cary, Illinois

FR - **
NP - **




Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspaper and Federal
Register Notice Cont’d

Type

Application

Y-l

Grand Premier Financial, Inc.*
Wauconda, Illinois
Northern Illinois Financial Corporation
Wauconda, Illinois *
Grand National Bank
Wauconda, Illinois
Premier Financial Services, Inc.
Freeport, Illinois
First Bank North
Freeport, Illinois
First Bank South
Dixon, Illinois
Premier Acquisition Company
Freeport, Illinois
First National Bank of Northbrook
Northbrook, Illinois
First Security Bank of Cary-Grove
Cary, Illinois




Comment Period
Ending Date
PR - **
J^p _ **

Federal Reserve Bank of Chicago
Section III - Applications Subject to Federal Register
Notice Only

Comment Period
Ending Date

lym

Application

4(c)(8)

Sword Financial Corporation
Horicon, Wisconsin
to engage in making* and servicing loans

FR - 4-4-96

4(c)(8)

Peoples Bancorp, Inc.
Prairie du Chien, Wisconsin
to engage in Appraisal Services through its
subsidiary, Northridge Consulting Corp.
Prairie du Chien, Wisconsin

FR - 4-22-96

4(c)(8)

D&D Bancshares, Inc.
Mount Auburn, Iowa
to engage in making and servicing loans

FR - 4-22-96

4(c)(8)

Grand Premier Financial, Inc.
Wauconda, Illinois
Premier Insurance Services, Inc.
Warren, Illinois

PR . **

4(c)(8)

Mahaska Investment Company
Oskaloosa, Iowa
to purchase certain assets of Boatmen’s Bank of Iowa, N.A.
and assume certain liabilities of the Sigourney Iowa Office
Des Moines, Iowa

PR . **

4(c)(8)

Montgomery Bancshares, Inc.
Montgomery, Illinois
to engage in making and servicing loans

PR . **

4(c)(8)

Heritage Bancshares Group, Inc.
Minneapolis, Minnesota
to engage in making and servicing loans

FR - 4-5-96

4(c)(8)

Founders Bancorp, Inc.
Scottsdale, Arizona
to engage de novo in general insurance activities

PR . **




FEDERAL RESERVE BANK OF ST. LOUIS
St. Louis, Missouri
AVAILABILITY OF CRA PUBLIC DISCLOSURES
identification of Ratings:
Outstanding record o f 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 o f 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.

FOR THE WEEK ENDING April 5, 1996

Name of Bank

The Citizens State Bank of
Petersburg




Bank Address

Petersburg, Indiana

Examination
Date

Examination
Rating

11/6/95

Satisfactory

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section I - Applications Subject to
Newspaper Notice Only

Comment Period
Ending Date

Application
Pioneer Bank, Mapleton, Minnesota, for prior
approval to merge with The First National
Bank of Elmore, Elmore, Minnesota, and
incident thereto, establish branches in.Elmore,
Minnesota and Delavan, Minnesota.

May 6, 1996

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section II - Applications Subject to Both
Newspaper and Federal Register Notice

Application

Comment Period
Ending Date

Straight River Bancshares, Inc., Ellendale,
Minnesota, for prior approval to become a bank
holding company throught the acquisition of
99% of the voting shares of Bank of Ellendale,
Ellendale, Minnesota. *

May 2, 1996
(Federal Register)

Higgins Bancorporation, Inc., Rosemount, Minnesota,
for prior approval to become a bank holding company
through the acquisition of 75.1% of the voting shares
of The First State Bank of Rosemount, Rosemount,
Minnesota. *

May 3, 19%
(Federal Register)

Kanabec Credit Company, Mora, Minnesota, for
prior approval to acquire 5.5% of the voting shares
of the First Citizens Financial Corp., Mason City,
Iowa. *

April 29, 1996
(Federal Register)

Flathead Holding Company of Bigfork, Bigfork,
Montana, for prior approval to acquire 23.44% of
the voting shares of die Bankwest National
Association, Kalispell, Montana. *

May 2, 1996
(Federal Register)

Lon Rylander to acquire control of 25.2% of
the voting shares of Ashby Bancshares, Inc.,
Ashby, Minnesota.

April 29, 1996
(Federal Register)

*Subject to CRA




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section m - Applications Subject
to Federal Register Notice Only
Comment Period
Ending Date

Application
Norwest Corporation, Minneapolis, Minnesota;
Norwest Financial Services, Inc., Des Moines,
Iowa; and Norwest Financial, Inc., Des Moines,
Iowa, to engage in the activities of consumer
finance, sale of credit life insurance, and under­
writing of credit life insurance related to extensions
of credit made through the office to be acquired
through the acquisition of certain assets of Cardinal
Credit Corporation, Lexington, Kentucky.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
NONE.




Not yet available

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending April 5,1996
ASSIGNMENT OF RATING
Identification of Ratings
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.

BANKfSl EXAMINED
NONE.




DATE OF EXAMINATION

CRA RATING

Federal Reserve Bank of Kansas City

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER N O TIC E ONLY
A B P U C A im

COMMENT PERIOD ENDING DATF.

First State Bank of Taos, Taos, New Mexico, for prior
approval to establish an additional branch facility at
1016 Central Avenue SW, Moriarty, New Mexico.

Not Available

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

L>jautac»: PERIOD ENDING DATE

APPLICATION
Community Bancshares of Marysville. Inc.,
Marysville, Kansas, for prior approval to acquire 100
percent of the voting shares of Community State Bank,
Hanover, Kansas.*

April 29, 1996

Jerry Keith Pursley, Las Animas, Colorado, for prior
approval to acquire an additional 21.83 percent, for a
total of 25.03 percent, of the voting shares of First
Bankshares of Las Animas, Las Animas, Colorado.*

April 30, 1996

Federated Bancshares, Inc:, Kansas City, Missouri,
for prior approval to acquire 8.72 percent of the voting
shares of First Bank of Kansas City, Kansas City,
Missouri.*

Not Available

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER N O TIC E ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

FEO Investments, Hoskins, Nebraska, for prior
approval to engage de novo through its subsidiary,
Meadow Ridge Partners, L.L.C., Norfolk, Nebraska,
in community development activities.

April 24, 1996

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL R EG ISTER N O TIC E
OR NEWSPAPER NOTICE
APPLICATION
None.




Federal Reserve Bank of Kansas City

SECTION

- AYAILABILITY O F CRA PUBLIC EVALUATIONS

Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:
O utstanding record of meeting community credit needs
An institution in this group has an outstanding 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.
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 im prove 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 moderateincome 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 moderateincome neighborhoods, in a manner consistent with its resources and capabilities.

Bank/Location

Exam Date

CRA Public
Date

Farmers Bank of Lincoln
P.O. Box 250
Lincoln, Missouri 65338-0250

01-08-96

04-04-96

*Application is subject to CRA.




CRA
Rating
Satisfactory

FEDERAL RESERVE BANK OF OALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF APRIL 1, 1996
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

♦Section 3(a)(3) application by
Brazos Bancshares, Inc., Joshua, TX, to acquire
Heritage Eagle Corporation, Red Oak, TX, Fore
Corporation, Wilmington, DE, and Heritage Bank,
Red Oak, TX
(Previously reported during the week of 3-4-96)

96/04/07

♦Section 3(a)(1) application by
Minor Financial, L.L.C., Marlin, TX, to acquire
Marlin Holding, Ltd., Marlin, TX, Central Financial
Bancorp, Inc., Lorena, TX, Central Delaware Financial
Bancorp, Dover, DE, Lorena State Bank, Lorena, TX, and
Bank of Troy, Troy, TX
(Should have been reported during the week of 3-18-96)

96/05/07

♦Section 3(a)(1) application by
Marlin Holding, Ltd., Marlin, TX, to acquire
Central Delaware Financial Bancorp, Dover, DE, Central
Financial Bancorp, Inc., Lorena, TX, Lorena State Bank,
Lorena, TX, and Bank of Troy, Troy, TX
(Previously reported during the week of 3-18-96)

96/05/07

Change in Control Notice by
Edwin Warren Rumage, Trustee, Jacksboro, TX
to acquire an interest in Jacksboro National
Bancshares, Inc., Jacksboro, TX
(Previously reported during the week of 3-25-96)

96/04/14

Change in Control Notice by
Hi1mar D. Blumberg Trust, Edward A. Blumberg Trust, and
Carla A. Blumberg Trust, Seguin, TX (Trustee, Joe H.
Bruns, Seguin, TX) to acquire an interest in Blumberg
BancUnits, L.P., Seguin, TX

N/A




Change in Control Notice by
members of the Blumberg Family and related
trusts (9 notificants) to acquire an
interest in Blumberg Family Partnership, L.P.,
Seguin, TX

N/A

Change in Control Notice by
Frederick D. Thompson, individually, and as Trustee
for 6 family trusts, to acquire an interest in Central
Bancorporation, Inc., Fort Worth, TX

N/A

♦Section 3(a)(5) application by
Hillister Enterprises II, Inc., Beaumont, TX, to acquire
Port Neches Bancshares, Inc., Port Neches, TX, and First
National Bank, Port
Neches,
TX

N/A

♦Section 3(a)(5) application by
Umphrey II Family Limited Partnership, Beaumont, TX, to
acquire Port Neches Bancshares, Inc., Port Neches, TX,
and First National Bank, Port Neches, TX

N/A

♦Section 3(a)(5) application by
Southeast Texas Bancshares, Inc., Beaumont, TX, to acquire
Port Neches Bancshares, Inc., Port Neches, TX, and First
National Bank, Port
Neches,
TX

N/A

♦Section 3(a)(5) application by
Texas Community Bancshares of Delaware, Inc.,
Wilmington, DE, to acquire Port Neches Bancshares, Inc.,
Port Neches, TX, and First National Bank, Port Neches, TX

N/A

SECTION III - APPLICATIONS SUBJECT TO FEDERAL RE6ISTER NOTICE
NOTICE ONLY
APPLICATION

NOTICE EXP

None.
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
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
FOR THE WEEK OF APRIL 1. 1996

Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a
leader 1n, 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
None.




Date of
Examination

CRA Rating

FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 4/05/96
Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

West One Bank, Idaho, Boise, Idaho, to acquire
7 branch offices of U.S. Bank of Idaho, N.A.,
Coeur d ’Alene, Idaho, as a result of a merger. *

Newspaper:

Not available

Humboldt Bank, Eureka, California, to establish
a branch office at Highway 299 West and Martin
Road, Weaverville, California. *•

Newspaper:

4/20/96

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
B. John, Thomas J., Michael B. and Jessica M.
Barry, Aspen, Colorado, to increase ownership to
more than 25 percent of Redwood Empire Bancorp,
Santa Rosa, California. *

Newspaper:

Not available

Fed. Rea.:

Not available

U.S. Bancorp, Portland, Oregon, to merge with
California Bancshares, Inc., San Ramon, California,
and to acquire all of their bank subsidiaries. *

Newspaper:

Not available

Fed. Rea.:

5/02/96

U.S. Bancorp, Portland, Oregon, to acquire an
option to purchase 19.9 percent of California
Bancshares, Inc., San Ramon, California. *

Newspaper:

Not available

Fed. Rea.:

5/02/96

Andrew J. Rossi, Manteca, California, to retro­
actively acquire 25.08 percent of Delta National
Bancorp, Manteca, California. *

Newspaper:

Not available

Fed. Rea.:

Not available

Section III -Applications Sub.iect to Federal Register Only
U.S. Bancorp, Portland, Oregon, to acquire CBI
Mortgage, Modesto, California; Island Bancorp
Leasing, Inc., Alameda, California; LNB Corp.,
Pleasanton, California; and Eden Financial
Corporation, Alameda, California, as a result
of a merger with California Bancshares, Inc.,
San Ramon, California.

Fed. Rea.:

5/02/96

Section IV - Applications Not Sub.iect to Federal Register Notice
or Newspaper Notice (Cont’d.l
None

* Subject to CRA.




FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 4/05/96

Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during this
week.
Information about a particular institution’s CRA evaluation may be obtained
directly from the institution.
Examination Date

Institution

Location

Hanmi Bank

12/11/95
3660 Wilshire Blvd.
Penthouse Suite A
Los Angeles, CA 90010-2706
(213) 382-2200

Rati no*
Satisfactory

♦Under the rating system an institution’s CRA performance is assigned one of the
following four ratings:
Outstanding record of meeting community credit needs:
An institution 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 has a
satisfactory record of ascertaining and meeting 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 needs to
improve its overall record of ascertaining and helping to meet the credit needs of its
entire delineated community, including low- to moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
Substantial Noncompliance in meeting community credit needs:
An institution has a
substantially deficient record of ascertaining and helping to meet the credit needs of
its entire delineated community, including low- to moderate-income neighborhoods, in
a manner consistent with its resources and capabilities.

The above listing has been prepared as a courtesy by the Federal Reserve Bank of San
Francisco, and is not intended to replace formal notices required by statute or
regulation; the Reserve Bank assumes no responsibility for errors or omissions.




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