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ANNOUNCEMENT
BOA R D OF G O V E R N O R S
OF THE
FEDERAL RESERVE SYSTEM

H.2, 1995, No. 32
A c t i o n s of the Board, its Staff, and
the Federal 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
D u r i n g the W e e k Ending A u g u s t 12, 1995

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

REGULATIONS AND POLICIES
Federal Reserve Board sponsorship of a statistical
study of household finances to provide policymakers
with information on the economic condition of a
broad array of American families.
Announced, August 7, 1995.
RESERVE BANK SERVICES
Automated clearing house service -- request for
comment on benefits and costs of controlling access
to the Federal Reserve’s automated clearing house
service (Docket R-0889).
Approved, August 9, 1995.
Fedwire -- to establish a firm closing time of 3:15
Eastern time for transfer originations and 3:30
Eastern time for reversals for the securities
transfer service and to continue to close Fedwire
securities transfer service earlier than the
3:15/3:30 p.m. closing times under certain
circumstances, effective January 2, 1996 (Docket
R-0866).
Approved, August 9, 1995.
Fedwire -- modifications to the Federal Reserve
payment system risk policy relating to third-party
access to Fedwire services (Docket R-0890).
Approved, August 9, 1995.

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




Bank of Lakeview, Lakeview, Michigan -- to establish
a branch at 10049 Buchanan Road, Stanwood,
Michigan.
Approved, August 11, 1995.

H.2
AUGUST 7, 1995
PAGE 2

TO

AUGUST 12, 1995

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

BANK BRANCHES. DOMESTIC
Richmond

Crestar Bank, Richmond, Virginia --to establish a
branch at 2047 Pleasant Valley Road, Winchester,
Virginia.
Approved, August 11, 1995.

Dallas

First Texas Bank - Texas City, Texas City, Texas -to establish a branch at 1100 Highway 146, Kemah,
Texas.
Approved, August 11, 1995.

Chicago

Harris Trust and Savings Bank, Chicago, Illinois -to establish an offsite electronic facility at
Loyola University Business School, 25 East Pearson
Street.
Approved, August 3, 1995.

Chicago

Omni Bank, River Rouge, Michigan --to establish
branches at 25318 Market Street, Detroit, Michigan;
14555 East Jefferson Avenue; and 1431 Washington
Boulevard.
Approved, August 11, 1995.

BANK HOLDING COMPANIES




New York

Barclays PLC, London, England, and Barclays Bank
PLC - - t o engage de novo in securities brokerage
services and investment advisory services through
Barclays de Zoete Wedd Securities, New York, New
York.
Permitted, August 11, 1995.

Chicago

Carroll County Bancshares, Inc., Carroll, Iowa -- to
own and operate a finance company through Carroll
Credit, Inc.
Returned, August 10, 1995.

Chicago

Central Illinois Financial Co., Inc., Champaign,
Illinois -- to engage de novo in trust activities
through Bank Illinois Trust Co.
Permitted, August 11, 1995.

Atlanta

Chatuge Bank Shares, Inc., Hiawassee, Georgia -- to
acquire Bank of Hiawassee.
Approved, August 11, 1995.

H .2
AUGUST 7 ,
PAGE 3

1995

TO

AUGUST 1 2 ,

1995

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

1 M K HfiltBUiS gglffi&Hlia




Atlanta

Deposit Guaranty Arkansas Corporation, Fort Smith,
Arkansas -- to acquire First Merchants Financial
Corporation and Merchants National Bank.
Approved, August 10, 1995.

Atlanta

Deposit Guaranty Corporation, Jackson, Mississippi,
and Deposit Guaranty Arkansas Corporation, Fort
Smith, Arkansas -- to merge with First Merchants
Financial Corporation.
Approved, August 10, 1995.

St. Louis

First Banks, Inc., Clayton, Missouri -- to operate a
savings and loan association through acquisition of
La Cumbre Savings Bank, F.S.B., Santa Barbara,
California.
Approved, August 7, 1995.

Kansas City

First National Corporation of Ardmore, Inc., Ardmore,
Oklahoma --to acquire Bank of Love County,
Marietta, Oklahoma.
Approved, August 10, 1995.

Secretary

First National of Nebraska, Inc., Omaha, Nebraska -to engage de novo in certain data processing
activities through First Technology Solutions, Inc.
Approved, August 9, 1995.

Atlanta

First Trust Corporation, New Orleans, Louisiana
request for release from commitment.
Approved, August 11, 1995.

Hinneapolis

Kandiyohi Bancshares, Inc., Kandiyohi, Minnesota -to acquire Cosmos Bancorporation, Inc., Cosmos,
Minnesota, and First State Bank of Cosmos.
Approved, August 8, 1995.

H .2
AUGUST 7, 1995
PAGE 4

TO

AUGUST 12, 1995

.':s

■’ ^^

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

: *

_

.

:

w•

; -

.y v r -

BANK HOLDING COMPANIES




Cleveland

KeyCorp, Cleveland, Ohio --to acquire AutoFinance
Group, Inc., Westmont, Illinois, and engage in
consumer lending activities.
Approved, August 10, 1995.

Minneapolis

Norwest>Corporation, Minneapolis, Minnesota --to
acquire State National Bank, El Paso, Texas.
Approved, August 8, 1995.

Atlanta

Peoples Holding Company, Winder, Georgia --to engage
de novo in commercial finance activities through
TPB Leasing.
Permitted, August 11, 1995.

Dallas

Security Shares, Inc., Abilene, Texas -- to merge
with SSB Corporation, Big Spring, Texas.
Approved, August 9, 1995.

Richmond

Suburban 3ancshares,, Inc., Greenbelt, Maryland -- to
acquire Financial Institutions Holding Corporation,
Riverdale, Maryland.
Approved, August 11, 1995.

Atlanta

United Community Banks, Inc., Blairsville, Georgia -to acquire White County Bancshares, Inc.,
Cleveland, Georgia, and White County Bank.
Approved, August 9, 1995.

Chicago

West Bend Bancorp, West Bend, Iowa -- to engage in
the sale of insurance through Security Insurance
Inc.
Permitted, August 11, 1995.

H.2
AUGUST 7, 1995
PAGE 5

TO

AUGUST 12, 1995

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

BANK MERGERS
Chicago

Byron Center State Bank, Byron Center, Michigan -• to
purchase tha assets and assume eartain liabilities
of tha Molina, Michigan, branch of First of America
Bank-Michigan, National Association, Grand Rapids,
Michigan.
Returned, August 7, 1995.

Richmond

Triangle Bank, Raleigh, North Carolina -- to marge
with Tha Village Bank, Chapel Hill, North Carolina.
Approved, August 11, 1995.

BANKS. NONMEMBER. AND MISCELLANEOUS INSTITUTIONS
Director, BS3R

BANK?,

state

Capital City Trust Company, Tallahassee, Florida -registration as a transfer agent.
Approved, August 8, 1995.

m em b er

Kansas City

Bank of Commerce, Wetumka, Oklahoma -- payment of a
dividend.
Approved, August 10, 1995.

Kansas City

Morris State Bank, Morris, Oklahoma *- payment of a
dividend.
Approved, August 10, 1995.

sm m siocK
Chicago

CHANGE




MSB Holding Company, Inc., Moorhead, Iowa
redemption of shares.
Returned, August 3, 1995.

BANK CONTROL
Atlanta

Citrus Financial Services, Inc., Vero Beach,
Florida -- change in bank control.
Permitted, August 11, 1995.

Kansas City

Financial Services of the Rockies, Inc., Colorado
Springs, Colorado *- change in bank control.
Permitted, August 3, 1995.

Minneapolis

Page Holding Company, Plankinton, South Dakota *
change in bank control.
Returned, August 3, 1995.

H .2
AUGUST 7 ,
PAGE 6

1995

TO

AUGUST 12,

1995

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

COMPETITIVE FACTORS REPORTS




San Francisco

Bank of Los Angeles, West Hollywood, California,
proposed merger with World Trade 3ank, N.A.,
Beverly Hills, California -- report on competitive
factors.
Submitted, August 9, 1995.

Chicago

Bank of Sugar Grove, Sugar Grove, Illinois, proposed
merger with S.B. Bank -- report on competitive
factors.
Submitted, August 7, 1995.

Cleveland

Bank of Williamsburg, Williamsburg, Kentucky,
proposed merger with Williamsburg Interim Bank,
Inc. -- report on competitive factors.
Submitted, August 12, 1995.

Chicago

Bloomingdale Bank and Trust, Bloomingdale, Illinois,
proposed merger with Bloomingdale Interim Bank -report on competitive factors.
Submitted, August 7, 1995.

Richmond

Capital One, F.S.B., Falls Church, Virginia, proposed
assumption of certain deposits of Signet Bank /
Virginia, Richmond, Virginia -- report on
competitive factors.
Submitted, August 9, 1995.

St. Louis

Charter Bank, S.B., Sparta, Illinois, proposed merger
with Charter Interim Savings Bank -- report on
competitive factors.
Submitted, August 10, 1995.

St. Louis

Crawford County State Bank, Robinson, Illinois,
proposed purchase of certain assets and assumption
of the deposit liabilities of the Sumner, Illinois,
branch of First of America Bank, Illinois, N.A.,
Bannockburn, Illinois -- report on competitive
factors.
Submitted, August 10, 1995.

Kansas City

FBS Interim Bank, FSB, Omaha, Nebraska, proposed
acquisition of the assets and assumption of the
liabilities of First Bank, FSB -- report on
competitive factors.
Submitted, August 10, 1995.

H.2
AUGUST 7, 1995
PAGE 7

TO

AUGUST 12, 1995

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

COMPETITIVE FACTORS REPORTS




Atlanta

First Federal Savings and Loan Association of the
Palm Beaches, West Palm Beach, Florida, proposed
acquisition through merger with Palm Beach Savings
and Loan F.S.A, -- report on competitive factors.
Submitted, August 9, 1995.

Atlanta

First South Bank, N.A., Fort Valley, Georgia,
proposed merger with First South Bank of Middle
Georgia, N.A., Macon, Georgia -- report on
competitive factors.
Submitted, August 9, 1995.

Atlanta

First Southwest Bancorp, Inc., Donaldsonville,
Georgia, proposed acquisition of the assets and
assumption of the liabilities of First Federal
Savings Bank of Southwest Georgia -- report on
competitive factors.
Submitted, August 9, 1995.

Richmond

FTC Interim National Bank, Williamsport, Maryland,
proposed merger with Washington County National
Bank -- report on competitive factors.
Submitted, August 3, 1995.

Cleveland

Grant County Deposit Bank, Williamstown, Kentucky,
proposed acquisition of certain assets and
assumption of certain liabilities of the
Jonesville, Kentucky, branch of Community First
Bank of Kentucky, Warsaw, Kentucky -- report on
competitive factors.
Submitted, August 8, 1995.

Minneapolis

Home State Bank, Kandiyohi, Minnesota, proposed
merger with First State Bank, Cosmos, Minnesota -report on competitive factors.
Submitted, August 10, 1995.

Cleveland

Key Bank, USA, N.A., Cleveland, Ohio, proposed
purchase of certain assets and assumption of
certain liabilities of Key Bank, USA, N.A., Albany,
New York -- report on competitive factors.
Submitted, August 3, 1995.

H.2
AUGUST 7, 1995
PAGE 8

TO

AUGUST 12, 1995

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

COMPETITIVE FACTORS REPORTS
Dallas

Parker Square Bank, National Association, Wichita
Falls, proposed merger with Norwest Trust Texas,
National Association - Wichita Falls -- report on
competitive factors.
Submitted, August 7, 1995.

Director, FRBQ

Federal Reserve notes -- printing order for fiscal
1996.
Approved, August 10, 1995.

CURRENCY

EXTENSIONS OF TIME




Dallas

A.N.B. Holding Company, Ltd., Terrell, Texas -extension to December 31, 1995, to acquire ANB
Corporation, ANB Delaware Corporation, and American
National Bank of Terrell.
Granted, August 11, 1995.

Chicago

BB&T Bancshares Corp., Bloomingdale, Illinois -extension to November 10, 1995, to acquire
Bloomingdale Bank and Trust.
Granted, August 11, 1995.

Chicago

Comerica Bank, Detroit, Michigan -- extension to
August 15, 1996, to establish branches at 1965
Baldwin, Jenison, Michigan, and 515 10 Mile Road,
N.E., Rockford, Michigan.
Granted, August 8, 1995.

Richmond

Communitycorp, Walterboro, South Carolina -extension to November 16, 1995, to acquire Bank of
Walterboro#.
Granted, August 11, 1995.

San Francisco

Hanil Bank, Ltd., Seoul, Korea -- extension to divest
certain property.
Granted, August 8, 1995.

H.2
AUGUST 7, 1995
PAGE 9

TO

AUGUST 12, 1995

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

EXTENSIONS OF TIME
Minneapolis

Norwest Corporation, Minneapolis, Minnesota -extension to November 29, 1995, to acquire the
mortgage business of Goldenbank, N.A., Golden,
Colorado.
Granted, August 9, 1995.

New York

Royal Bank of Canada, Montreal, Canada -- extension
to engage de novo through BFA Receivables
Acquisition Corp., Wilmington, Delaware, in
servicing receivables and other extensions of
credit for BFA’s account or the account of others.
Granted, August 7, 1995.

San Francisco

Sun Capital Bancorp, St. George, Utah -- extension to
acquire Sun Capital Bank.
Granted, August 10, 1995.

Chicago

Rolling Hills Bank & Trust, Atlantic, Iowa -- to
become a member of the Federal Reserve System.
Approved, August 3, 1995.

MEMBERSHIP

RESERVE BANK OPERATIONS
Director, FRBO

Federal Reserve Bank of Atlanta -- to proceed with
renovation of the Nashville Branch.
Approved, August 11, 1995.

RESERVf BANK SERVICES




Director, FRBO

Federal Reserve Bank of Chicago -- to modify the fees
for check services at the Chicago, Detroit, Des
Moines, Indianapolis, and Peoria offices.
Approved, August 11, 1995.

H.2
AUGUST 7, 1995
PAGE 10

ADDITIONS AND CORRECTIONS
TO

AUGUST 12, 1995

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

CAPITAL STOCK
Minneapolis

Great Plains Bank Corporation, Eureka, South Dakota
- redemption of shares.
Approved, August 5, 1994.

EXTENSIONS OF TIME




Cleveland

Banc One Corporation, Columbus, Ohio -- extension to
August 2, 1996, to engage in data processing
activities through Processador 21, Mexico City,
Mexico.
Granted, August 3, 1995.

FEDERAL

RESERVE

BANK

OF

BOSTON

APPLICATIONS

SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY

Comment Period Ending Date

Application
NONE

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
Comment Period Ending Date

Application
NONE

SECTION III - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY
A pplication

Comment Period Ending Date

State Street Boston
Corporation, Boston,
Massachusetts section 4 notice to
acquire 50% of BancBoston
State Street Investors
Services, L.P., Canton,
Massachusetts

Federal Register

Not Yet Established

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

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
institution

Examination Date

R a t i n g **

NONE

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



- Satisfactory;

"N"

- Needs to

Federal Reserve Bank of New York
Comment Period
Ending Date

SECTION I
Applications Subject to Newspaper
___________ Notice Only___________
United Jersey Bank, Hackensack, New Jersey, to establish
a branch at 200 Etra Rd., Hightstown, New Jersey. 1/

9/2/95

United Jersey Bank, Hackensack, New Jersey, to establish
an offsite electronic facility at St. Peter's College,
2641 Kennedy Blvd., Jersey City, New Jersey. 1/

8/31/95

SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
None.

SECTION III
Nonbanking Applications
(subject to Federal Register Notice Only)
None.

SECTION IV
Applications Not Involving
______ Public Comment______
None.

1/ Subject to the provisions of the Community Reinvestment Act.




SECTION V
Availability of CRA Public Evaluations
In connection with the assessment of each insured depositoryinstitution'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
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 an
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 neighbor­
hoods, in a manner consistent with its resources and capabilities.

Week Ending August 12, 1995
NAME OF BANK

RATING

EXAMINATION DATE

None.

h|<
n|m|

/
/
/

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.
Date specified in Federal Register notice; a later date may be
specified in the newspaper notice.
N/A - Not Availables




FEDERAL RESERVE BANK OF PHILADELPHIA

Section I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER NOTICE ONLY

NONE
SECTION II - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER
NOTICE
Financial Trust Coro, Carlisle, Pennsylvania to acquire Washington County National Bank,
Williamsport, Pennsylvania, pursuant to Section 3(a)(3) of the Bank Holding Company Act
of 1956, as amended.
Newspaper Notice comment period expires:
Federal Register comment period expires:

08/30/95
09/05/95

SECTION III - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL REGISTER NOTICE ONLY
Sun Bancorp, Inc., Selinsgrove, PA to engage de novo in community development activities
through a 95% limited partnership interest in Mifflin Place Associates, pursuant to
Section 4(c)(8) of the Bank Holding Company of 1956, as amended and Section 225.25(b)(6)
of Regulation Y.
Federal Register comment period expires:

N/Avail

MBNA Corporation, Newark, Delaware to engage de novo in making, acquiring, and servicing
consumer loans and credit card loans; and engage in acquiring and servicing mortgage
loans, pursuant to Section 4(c)(8) of the Bank Holding Company Act of 1956, as amended
and Sections 225.25(b)(1)(i);(ii);(iii) of Regulation Y through its nonbank subsidiary
MBNA Consumer Services, Inc., Newark, Delaware.
Federal Register comment period expires:

N/Avail

MBNA Corporation, Newark, Delaware to engage de novo in offering credit insurance (life,
disability, and involuntary unemployment), pursuant to Section 4(c)(8) of the Bank
Holding Company Act of 1956, as amended and Sections 225.25(b)(8)(i) of Regulation Y
through its nonbank subsidiary MBNA Consumer Services, Inc., Newark, Delaware.
Federal Register comment period expires:

N/Avail

Keystone Financial, Inc., Harrisburg, Pennsylvania to engage in investment advisory
services through the acquisition of Martindale Andres & Company, Inc., West
Conshohocken, Pennsylvania, pursuant to Section 4(c)(8) of the Bank Holding Company Act
of 1956, as amended and Section 225.25(b)(4) of Regulation Y.
Federal Register comment period expires:

N/Avail

First Bank of Philadelphia, Philadelphia, PA is the subject of a Change in Bank Control
Notice filed by the Irrevocable Trust of Sherri Shaffer, Amy Harrow, Karen Tarte, and
Lynn Roseman and as voting trustee for Travel One, both of which intend to acquire up
to 24.9% each of the bank.
Federal Register comment period expires:

N/Avail

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




NONE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION V - 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 August

11, 1995
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.
Bank/Location

Examination Date

CRA Rating

None

None

None




F ed er a l R eserv e B ank
of C leveland
P. O. BOX 6387
CLEVELAND, OHIO 44101-13 87

APPLICATIONS BULLETIN
(For the week ending August 12, 1995)

SECTION I

APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
NONE

SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL
REGISTER NOTICE
Received applications from PNC Bank Corp., Pittsburgh,

*F: September 8,

1995
Pennsylvania, and PNC Bancorp, Inc., Wilmington,
Delaware, on August 7, 1995, to acquire Midlantic
Corporation, Edison, New Jersey, pursuant to Sections
3 and 4 of the Bank Holding Company Act.
Received application from Premier Financial Bancorp,
Georgetown, Kentucky, on August 7, 1995, to acquire
The Citizens Bank, Sharpsburg, Kentucky, pursuant to
Section 3 of the Bank Holding Company Act.
Received application from First State Bancorp, Inc.,
Winchester, Ohio, on August 7, 1995, to acquire
The State Bank o f Adams County, Winchester, Ohio,
pursuant to Section 3 of the Bank Holding Company Act.

*F: September 8, 1995

*Not Yet Known#

SECTION m - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
Received notice from First Financial Bancorp, Hamilton,
Ohio, on August 7, 1995, of its intent to acquire a
23.1911 percent interest in Independent Bankers Life
Insurance Company o f Indiana, Roachdale, Indiana,
pursuant to Section 4 of the Bank Holding Company Act.

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



Not Yet Known#

F e d e r a l R e s e r v e 3 AMK
of Cleveland
P. O. BOX 6387
CLEVELAND, OHIO 4 4 10 1-13 87

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
# - Expected to End 30 Days from Date of Receipt



AVAILABILITY OF CRA PUBLIC EVALUATIONS
(August 11, 1995)

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 August 11,
1995. 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.
SATISFACTORY: a bank in this group has a satisfactory record o f 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 PR O V E: a bank in this group needs to improve its overall 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.
SUBSTANTIAL NON COM PLIANCE: a bank 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.
NONE




Federal Reserve Bank of Richmond

Section I - Applications Subject to Newspaper
Notice Only
Application

Comment: Period Ending Date

First Savings Bancorp, Inc., Southern
Fines, North Carolina, to become a bank
holding company through the acquisition
of First Savings Bank of Moore County,
Inc., SSB, Southern Fines, North Carolina.

8*15-95

Hanover Bank, Mechanicsville, Virginia,
to establish a branch in the Concourse
at Wyndham near the intersection of
Nuckols Road and O ld Nuckols Road,
Glen Allen, Virginia.*

9-7-95

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

Comment Period Ending Date

Application
First Union Corporation, Charlotte, North
Carolina; NationsBank Corporation, Charlotte,
North Carolina; Wachovia Corporation, WinstonSalem, North Carolina; and Southern National
Corporation, Winston-Salem, North Carolina,
to acquire shares of Education Financing
Services, LLC, Winston-Salem, North Carolina.

9-8-95**

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

★Application is subject to CRA requirements.
★★Expiration of comment period specified in the Federal Register.



F e d e ra l R eserve Bank o f Richm ond
Availability of CRA Public Evaluations
Week ending August 11, 1995

Definition of Ratines
Outstanding record of meeting community credit needs.
A n 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.
A n institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of lea 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.
A n 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.
A n 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
___ Pate

Rating

Peoples Bank of Virginia
9970 Iron Bridge Road
Chesterfield, Virginia 23832

5-22-95

Satisfactory

The Fauquier Bank
10 Courthouse Square
Warrenton, Virginia 22186

5-22-95

Satisfactory

F & M Bank-Keyser, Inc.
87 North Main Street
Keyser, West Virginia 26726

5-22-95

Satisfactory




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending August ,11, 19.9.5

Section 1 - Applications Subject to Newspaper Notice Only

Application

Comment Period Ending Date

American Bancshares, Inc.
08-14-95*
Bradenton, Florida
Notice for 1-BHC formation, American Bank of Bradenton, Bradenton, Florida.

Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice

Application

Comment Period Ending Date

Farmers Bancshares, Inc.
09-01-95*
Cheneyville, Louisiana
Federal Register
1-BHC formation, The Farmers Bank & Trust of Cheneyville, Cheneyville, Louisiana.
First Commerce Corporation
08-14-95*
New Orleans, Louisiana
Federal Register
To merge with Peoples Bancshares, Inc., Chalmette, Louisiana, and thereby
directly acquire Peoples Bank and Trust Company of St. Bernard, Chalmette,
Louisiana, pursuant to Section 3(a)(5) of the Bank Holding Company Act.

Section 3 - Applications Subject to Federal Register Only

Application

Comment Period Ending Date

Hibernia Corporation
08-31-95
New Orleans, Louisiana
To engage de novo in making, acquiring, or servicing loans or other extensions
of credit, pursuant to Section 225.25(b)(1) of Regulation Y and Section 4(c)(8)
of the Bank Holding Company A c t .

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 August 11, 1995

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.

Bank

Rating

Commercial Bank of Florida
1550 S.W. 57 Avenue
Miami, Florida 33144
(305)267-1200

Satisfactory




Examination
Date
05-01-95

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending August 11, 1995

Recently Approved Applications

Approval Date

Citrus Financial Services, Inc.
08-11-95
Vero Beach, Florida
After-the-fact notification filed by Mr. Roy H. Lambert and Mr. James R.
Thompson to collectively retain 2.67 percent of the outstanding shares of Citrus
Financial Services, Inc., Vero Beach, Florida.
Total ownership equals 11.27
percent.
Chatuge Bank Shares, Inc.
Hiawassee, Georgia
1-BHC formation, Bank of Hiawassee, Hiawassee, Georgia.

08-11-95

Peoples Holding Company
08-11-95
Winder, Georgia
To engage de novo in commercial finance activities, through its existing
subsidiary, TPB Leasing, Winder, Georgia, pursuant to Section 225.25(b) (1) (iv)
of Regulation Y and Section 4(c) (8) of the Bank Holding Company Act.
United Community Banks, Inc.
08-09-95
Blairsville, Georgia
To acquire White County Bancshares, Inc., Cleveland, Georgia, and thereby
through interim merger, acquire its subsidiary, White County Bank, Cleveland,
Georgia, pursuant to Section 3(a)(5) of the Bank Holding Company Act.
FirsTrust Corporation
New Orleans, Louisiana
Commitment waiver request.

08-11-95

Deposit Guaranty Corporation
08-10-95
Jackson, Mississippi
Along with Deposit Guaranty Arkansas Corporation, Jackson, Mississippi, to merge
with First Merchants Financial Corporation, Fort Smith, Arkansas, and thereby
directly acquire Merchants National Bank, Fort Smith, Arkansas, pursuant to
Section 3(a) (5) of the Bank Holding Company Act.
Deposit Guaranty Arkansas Corp.
Fort Smith, Arkansas
1-BHC formation, Merchants National Bank, Fort Smith, Arkansas.




08-10-95

F e d e ra l

R e s e rv e

B ank o f

C h ic a g o

Section I - Applications Subject to Newspaper
Notice Only

Comment Period
Ending Date*

TyjD e

Application

Merger/Branch

Security Savings Bank
NP - **
Farhamville, Iowa
to acquire the assets and assume the
deposit liabilities of the Harcourt, Iowa
and Lehigh, Iowa offices of Boatmen’s Bank of
Fort Dodge, Fort Dodge, Iowa and to establish
branches at 127 South Ash Street,
Harcourt, Iowa and 116 Main Street,
Lehigh, Iowa

Merger

Bank of Oakfield
Oakfield, Wisconsin
Van Dyne Branch of M&I Central State Bank
Ripon, Wisconsin

NP - **

EFT

Rolling Hills Bank & Trust
Atlantic, Iowa
900 Main Street
Griswold, Iowa

NP - 8-11-95

Branch

Harris Trust and Savings Bank
Chicago, Illinois
824 N. Western Avenue
Lake Forest, Illinois

NP - 8-27-95

Branch

North Shore Community Bank & Trust Company
Wilmette, Illinois
362 Park Avenue
Glencoe, Illinois

NP - **

Branch

West Chester Savings Bank
West Chester, Iowa
313 Franklin Street
West Chester, Iowa

NP - 8-23-95

Branch

Citizens Commercial & Savings Bank
Flint, Michigan
35478 Groesbeck Highway
Clinton, Michigan
8275 Holly Road
Grand Blanc, Michigan

NP - **




F e d e r a l R e s e r v e B ank o f C h ic a g o

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

Type

Application

Branch

DeMotte State Bank
DeMotte, Indiana
3421 West State Road 10
Wheatfield, Indiana

NP - 8-21-95

Merger/Branch

Rolling Hills Bank & Trust
Atlantic, Iowa
Griswold State Bank
Griswold, Iowa
1307 East Seventh
Atlantic, Iowa
701 Main Street
Anita, Iowa
600 Main Street
Griswold, Iowa

NP - 8-21-95

EFT

Comerica Bank
Detroit, Michigan
Kroger Store
23001 Michigan Avenue
Dearborn, Michigan

NP - 8-14-95

Branch

First Source Bank
South Bend, Indiana
1751 Lexington Avenue
Elkhart, Indiana
23164 U.S. 33
Elkhart, Indiana

NP - 8-27-95

Branch

Baylake Bank
Sturgeon Bay, Wisconsin
to establish two branches




NP

7-31-95

F e d e r a l R e s e rv e Bank o f

C h ic a g o

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

Type

Application

Y-2

Lincoln Bancorp
Reinbeck, Iowa
Garwin Bancorporation
Garwin, Iowa
Farmers Savings Bank
Garwin, Iowa*

CoC-HC

Y-2

Y-2

Y-l

Y-l

Y-2




First Community Bancshares, Corp.
Milton, Wisconsin
John C . Bradshaw
Colfax Bancshares, Inc.
Victor, Iowa
Maxwell Bancorporation
Maxwell, Iowa
Maxwell State Bank
Maxwell, Iowa*
Ida Grove Bancshares, Inc.
Ida Grove, Iowa
American Bancshares, Inc.
Holstein, Iowa
American National Bank
Holstein, Iowa*
American Bancshares, Inc.
Holstein, Iowa
American National Bank
Holstein, Iowa*
Olympia Bancorporation, Inc. Employee
Stock Owners
Chicago Heights, Illinois
Olympia Bancorporation, Inc.
Chicago Heights, Illinois
Heritage Olympia Bank
Chicago Heights, Illinois*
F&M Bancorporation, Inc.
Kaukauna, Wisconsin
Peoples State Bank of Bloomer
Bloomer, Wisconsin*

Comment P e r i o d
Ending D a t e

FR - 7NP - 8-

10-95
7-95

FR - 7- 8-

17-95
9-95

NP

FR - 8-4-95
NP - 8-28-95

FR - 8-10-95
NP - 8-6-95

FR - 8-10-95
NP - 8-6-95

FR - 8NP - 9-

11-95
4-95

FR - 8-17-95
NP - 8-7-95

Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspaper a n d F e d e r a l
Register Notice

Comment Period
Ending Date

Type

Application

Y-2

NBD Bancorp, Inc.
Detroit, Michigan
NBD Bank
Venice Florida*

FR - 8-28-95
NP - 8-21-95

Y-l

Philipps Investment Limited Partnership
Spring Hill, Florida
Gratiot Bancshares, Inc.
Gratiot, Wisconsin
Gratiot State Bank
Gratiot, Wisconsin*

FR - 8-17-95
NP - 7-22-95

Y-2

Shorebank Corporation
Chicago, Illinois
Indecorp, Inc.
Chicago, Illinois
Independence Bank of Chicago
Chicago, Illinois
Drexel National Bank
Chicago, Illinois*

FR - 8-14-95
NP - 8-10-95

Y-2

Beaman Bancshares, Inc.
Beaman, Iowa
Producers Savings
Green Mountain, Iowa*

FR - 8-17-95
NP - 8-14-95

Y-2

Comerica Incorporated
Detroit, Michigan
Metrobank
Los Angeles, California*

FR - 8-18-95
NP - 8-20-95

Y-2

Comerica California Incorporated
San Jose, California
Metrobank
Los Angeles, California*

FR - 8-18-95
NP - 8-20-95

CoC- HC

Kent Bancshares, Inc.
Kent, Illinois
by Virgil L. Bocker & Delmar Kampen

FR - 8-3-95
NP - **

Y-2

Dentel Bancorporation
Victor, Iowa
Maxwell Bancorporation
Maxwell, Iowa
Maxwell State Bank
Maxwell, Iowa*

FR - 8-4-95
NP - 8-28-95




F e d e r a l R e s e r v e B ank o f

C h ic a g o

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

Comment Period
Ending Date

£YB§.

Application

Y-l

National Australia Bank Limited
Melbourne, Australia
National Equities Limited
Melbourne, Australia
National Australia Group (UK) Limited
London, England
North Americas Holdings Limited
London, England
MNC Acquisition Co,
Melbourne, Australia
Michigan National Corporation
Farmington Hills, Michigan
Bloomfield Hills Bancorp, Inc.
Bloomfield Hills, Michigan
Bank of Bloomfield Hills
Bloomfield Hills, Michigan
Michigan National Banks
Farmington Hills, Michigan*

FR - 8-24-95
NP - 8-21-95

Y-2

Firstbank of Illinois Co.
Springfield, Illinois
Confluence Bancshares Corporation
St. Peters, Missouri
Duchesne Bank
St, Peters, Missouri*

FR - 8-25-95
NP - 8-1-95

Y

Madison Holdings Limited Partnership
Madison Heights, Michigan
Madison Bancorp, Inc.
Madison Heights, Michigan
Madison National Bank
Madison Heights, Michigan*

FR - 8-31-95
NP - 8-25-95

Y-2

Comerica Incorporated
Detroit, Michigan
Questar Bank, National Association
Houston, Texas*

FR - 8-28-95
NP - 9-1-95

Y-2

Comerica Texas Incorporated
Dallas, Texas
Questar Bank, National Association
Houston, Texas*

FR - 8-28-95
NP - 9-1-95




F e d e r a l R e s e r v e B ank o f

C h ic a g o

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

Comment Period
Ending Date

XY£e

Application

Y-l

Sable Bancshares, Inc.
Chicago, Illinois
Community Bank of Lawndale
Chicago, Illinois*

FR - 9-1-95
NP - **

Y-2

WFC, Inc.
Waukon, Iowa
Viking State Bank & Trust
Decorah, Iowa (in organization)*

FR - 9-7-95
NP - **

Y-2

Merchants Bancorp, Inc.
Aurora, Illinois
Valley Banc Services Corp.
St. Charles, Illinois
Anchor Bank
Third Lake, Illinois
Hinckley State Bank
Hinckley, Illinois
State Bank of Osco
Osco, Illinois
V.B.H. Corporation
St. Charles, Illinois
Fox Valley Bank
St. Charles, Illinois*

FR - 9-7-95
NP - **

Y-2

Calumet National Corporation
Hammond, Indiana
Chicago Heights Bancorp, Inc.
Chicago Heights, Illinois
Chicago Heights National Bank
Chicago Heights, Illinois*

FR - **
NP - **




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

Comment Period
Ending Date.

Type

Application

4(C) (8)

Northern Trust Corporation
Chicago, Illinois
RCB International Inc.
Stamford, Connecticut

FR - 8-10-95

4(C) (8)

Ida Grove Bancshares, Inc.
Ida Grove, Iowa
to engage in making & servicing loans

FR - 8-15-95

4(c) (8)

Horizon Bancorp
FR - 8-10-95
Michigan City, Indiana
to act as an agent or broker for insurance
directly related to its extensions of credit

4 (c) (8)

Crystal Valley Financial Corporation
Middlebury, Indiana
to invest in low-income housing project

FR - 8-10-95

4(c) (8)

Withee Bank Shares, Inc.
Withee, Wisconsin
to engage in community development
activities through Hometown Development
Corporation, Withee, Wisconsin

FR - 8-22-95

4(c) (8)

Spencer Bancorporation, Inc.
FR - 8-23-95
Spencer, Wisconsin
to engage de novo in community development
activities

4 (c) (8)

ABN AMRO Holding N.V.
FR - **
Amsterdam, Netherlands
ABN AMRO Bank N.V.
Amsterdam, Netherlands
Meespierson N.V.
Amsterdam, Netherlands
Stichting Administratiekantoor ABN AMRO HOLDING
Amsterdam, Netherlands
Stichting Prioriteit ABN AMRO HOLDING
Amsterdam, Netherlands
Line Financial Services, Inc.
Chicago, Illinois




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

Comment Period
Ending Date

Type

Application

4(c) (8)

ABN AMRO Bank N.V.
FR - **
Amsterdam, Netherlands
ABN AMRO Holding N.V.
Amsterdam, Netherlands
Stichting Administratiekantoor ABN AMRO Holding
Amsterdam, Netherlands
Stichting Prioriteit ABN AMRO Holding
Amsterdam, Netherlands
to acquire indirectly 100% of the outstanding
voting shares of Alfred Berg, Inc., Stockholm,
Sweden and thereby engage in certain securities
underwriting and dealing activities.

4(c) (8)

National Australia Bank Limited
FR - 8-24-95
Melbourne, Australia
National Equities Limited
Melbourne, Australia
National Australia Group (UK) Limited
London, England
North Americas Holdings Limited
London, England
MNC Acquisition Co.
Melbourne, Australia
MNC Operations and Services, Inc.
Farmington Hills, Michigan
MNC Leasing Company
Detroit, Michigan
Independence One Life Insurance Company
Phoenix, Arizona
Independence One Capital Management Corp.
Farmington Hills, Michigan
Michigan Bank, F.S.B.
Troy, Michigan
Independence One Asset Management Corporation
Irvine, California

4 (c) (8)

NBD Bancorp, Inc.
FR - 8-22-95
Detroit, Michigan
to expand the geographic scope of its
subsidiary, NBD Real Estate Services, Inc.
Detroit, Michigan, and thereby engage in
mortgage lending and servicing, real property
leasing, real estate appraising, management
consulting and credit insurance activities.




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

IYsSe

Application

4 (c» (8)

Carroll County Bancshares, Inc.
Carroll, Iowa
to establish an industrial loan company,
Carroll Credit, Inc., which will acquire
a portion of the assets of Personal
Lenders, Inc.




Comment Period
Ending Date
FR - 8-30-95

Federal Reserve Bank of Chicago
Section IV - Applications Not Subject to Federal R e g i s t e r or Newspaper
Notice

Applic a t i o n
-None-

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




AVAILABILITY OF CRA PUBLIC EVALUATIONS
The following state member banks have been examined by the Federal Reserve
Bank of Chicago for compliance with the CRA. The 30-day business day period
the bank has to make the evaluation public has lapsed during the week ending
August 11, 1995. If you are interested in obtaining a copy of the evaluation
document, please contact the bank(s) directly.
Identification of Ratings
O-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.
S-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.
NI-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.
SN-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 NAME/LOCATION

EXAMINATION DATE

RATINGS

-Americanmidwest Bank & Trust
1600 West Lake Street
Melrose Park, Illinois 60160
(708) 531-5691

4/17/95

S

-Royal American Bank
1604 Colonial Parkway
Inverness, Illinois 60067-4725
(708) 202-8300

5/01/95

S

-First Trust & Savings Bank
111 East 2nd Avenue
P.O. Box 247
Aurelia, Iowa
51005-0247
(712) 434-2291

5/08/95

S




Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING AUGUST 11, 1995

Application

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
End of Comment Period

♦Section 9 application by Fifth Third Bank of
Kentucky, Inc., Louisville, Kentucky, to relocate
its branch office from 2331 Nicholasville Road to
2197 Nicholasville Road, Lexington, Kentucky.

A p p Iication

8/20/95

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
End of Comment Period

Change in control notification involving Mansfield
Bankstock, Inc., Mansfield, Arkansas, by J. Michael
Shaw.

Federal Register: 8/29/95

♦Section 4(c)(8) notification by New Era Bancorporation,
Inc., Fredericktown, Missouri, to acquire St. Francois
County Financial Corp., Farmington, Missouri, and
thereby acquire St. Francois County Savings and Loan
Association, Farmington, Missouri.
Newspaper:

9/3/95

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
None.

♦This application is subject to CRA.




FEDERAL RESERVE BANK OF ST. LOUIS
St. Louis, Missouri
AVAILABILITY OF CRA PUBLIC DISCLOSURES
U n if ic a t ion o f Ratings:
Outstanding record o f meeting community credit needs
A n institution in this group has an outstanding record of, and f c a leader in, ascertaining and helping to
meet the credit needs of its entire delineated community, ;'.:c.’jding 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
o f its entire delineated community, including tow- and moderate- income neighborhoods, in a manner
consistent with its resources and capabilities.
Needs to improve record o f meeting community credit needs
An institution in this group needs to improve its overall 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.
Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record o f 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.

FOR THE WEEK ENDING

Name of Bank

August 11, 1995

Bank Address

Examination
Date

Examination
Rating

First Community Bank

P.0. Box 938
Conway, AR

04-17-95

Satisfactory

Bank of Ste. Genevieve

P.0. Box 408
Ste. Genevieve, MO

04-24-95

Satisfactory




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section I - Applications Subject to
Newspaper Notice Only
Comment Period
Ending Date

Application
NONE.
FEDERAL RESERVE BANK OF MINNEAPOLIS
Section II - Applications Subject to Both
Newspaper and Federal Register Notice

Application
215 Holding Company, Minneapolis,
Minnesota, to acquire 100% of Valley
Bancorporation, Inc., LeSueur, Minnesota*

Comment Period
Ending Date
September 1, 1995
(Newspaper)

Lake Elmo Bancshares, Inc., Lake Elmo,
Minnesota, to acquire 70.57% of the voting
shares of Lake Elmo Bancorp, Inc., Lake Elmo,
Minnesota*

September 1, 1995
(Newspaper)

Western Dakota Holding Company, Timber Lake,
South Dakota, to acquire 50.02% of'the voting
shares of Dewey County Bank, Timber Lake,
South Dakota*

September 5, 1995
(Federal Register)

Security State Bank Holding Company, Hannaford,
North Dakota, to acquire 100% of the voting
shares of Security State Bank of Jamestown,
Jamestown, North Dakota, a de novo bank*

September 5, 1995
(Federal Register)

Hershell R. Page, Thomas R. Page, and Ruth
Ann Page Trust, to acquire 59.5% of the
voting shares of The Page Holding Company,
Plankinton, South Dakota (Retroactive)

August 22, 1995
(Returned 8-8-95)

*Subiect to CRA
FEDERAL RESERVE BANK OF MINNEAPOLIS
Section III - Applications Subject
to Federal Register Notice Only
Comment Period
Ending Date
Application
Not yet available
Norwest Corporation, Minneapolis,
Minnesota, to acquire 100% of The
Foothill Group, Inc., Los Angeles,
California
FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Noti<
Application
NONE.




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending August 11, 1995
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.

BANK(S) EXAMINED

DATE OF EXAMINATION

CRA RATING

Root River State Bank
Post Office Box 517
Chatfield, MN 55923-0517
(507) 867-4120

May 8, 1995

Satisfactory




Federal Reserve Bank of Kansas City

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

Bank One, Oklahoma City, Oklahoma, for prior
approval to establish a deposit taking ATM at 2401
N.W. 23rd Street, Oklahoma City, Oklahoma.

Not Available

Bank of Colorado-Western Slope, Grand Junction,
Colorado, for prior approval to invest an additional
$2,350,000 in bank premises.

Not Available

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

COMMENT PERIOD ENDING DATE

First National Bank Shares, Ltd., Great Bend,
Kansas, for prior approval to acquire an additional
9.9 percent of the voting shares of Unison Bancorp,
Inc., Lenexa, Kansas.*

Not Available

Jackie Lynn Poulson, Ericson, Nebraska, and
Gregory Gene Jensen, Ord, Nebraska, for prior
approval to each acquire an additional 3.86 percent,
of the voting shares of Wheeler County Bancshares,
Inc., Ericson, Nebraska.

August 25, 1995

FirstBank Holding Company of Colorado Employee
Stock Ownership Plan, Lakewood, Colorado, for
prior approval to acquire 27.2 percent of the voting
shares of FirstBank Holding Company of Colorado,
Lakewood, Colorado.*

September 5, 1995

BFM Bancshares, Inc., Kingman, Kansas, for prior
approval to become a bank holding company through
the acquisition of 81.025 percent of the voting shares
of State Bank of Kingman, Kingman, Kansas.*

September 7, 1995




Federal Reserve Bank of Kansas City

SECTION m - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
ONLY

APPLICATION

COMMENT PERIOD ENDING DATE

Community First Bankshares, Inc., Denver,
Colorado, for prior approval to engage in lending
activities.*

Not Available

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

APPLICATION
None.

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Identification o f 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 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.




Federal Reserve Bank of Kansas City

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

Citizens Bank
P.O. Box 888
Lawton, Oklahoma 73502-0888

05-01-95

08-09-95

Outstanding

Bank of Papillion
P.O. Box 28967
Papillion, Nebraska 68128-0967

05-08-95

08-10-95

Satisfactory

*Application is subject to CRA.




CRA
Rating

FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF AUGUST 7, 1995

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
APPLICATION

NOTICE EXP

♦Section 3(a)(1) formation notice by
ABNA Holdings, Inc., Denton, TX, to acquire American
Bank, N.A., Dallas, TX

95/08/11

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

** NOTICE EXP

♦Section 3(a)(3) application by
UB&T Financial Corporation, Dallas, TX, to acquire
Southeast Bancshares, Inc., Dallas, TX, and Commercial
National Bank, Dallas, TX
(Previously reported during the week of 7-10-95)
♦Section 3(a)(3) application by
UB&T Delaware Financial Corporation, Dover, DE, to acquire
Southeast Bancshares, Inc., Dallas, TX, and Commercial
National Bank, Dallas, TX
(Previously reported during the week of 7-10-95)

95/08/17

95/08/17

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
APPLICATION

NOTICE EXP

Section 4(c)(8) notification by
First Houston Bancshares, Inc., Houston, TX, to acquire
40 percent of the voting common stock of Vision Software,
Inc., Austin, TX, and engage in the development, sale,
and servicing of medical payment services and software,
and provide data processing services for all aspects
surrounding the payment of medial claims through a
subsidiary known as First Houston Financial Services,
Inc., Houston, TX, d/b/a Altair Corp., Austin, TX

N/A




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 AUGUST 7. 1995

Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a
leader in, ascertaining and helping to meet the credit needs of its
entire delineated community, Including low- and moderate-Income
neighborhoods, in a manner consistent with its resources and
capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.
Needs to Improve record of meeting community credit needs.
An institution in this group need to improve its overall record of
ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods,
in a manner consistent with its resources and capabilities.
Substantial Noncompllance 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 8/11/95
Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Farmers & Merchants Bank- of Central California,
Lodi, California, to establish an automated teller
machine at the Richland Market, 3801 Yosemite
Boulevard, Modesto, California. *

Newspaper:

8/31/95

West One Bank, Idaho, Boise, Idaho, to establish
an automated teller machine at the Turning Point
Convenience Store Junction at Highway 55 and 95,
New Meadows, Idaho. *

Newspaper:

9/05/95

Section II - Applications Sub.iect to Both
Newspaper and Federal Register Notice
ValliCorp Holdings, Inc., Fresno, California, to
merge with CoBank Financial Corporation, San Luis
Obispo, California, thereby acquiring Commerce
Bank of San Luis Obispo, National Assocation,
San Luis Obispo, California. *

Newspaper:

8/31/95

Fed. Reg.:

Not available

Allen Barbieri, Martin Hart, Doug Heller,
6. MitcheirMorris, Jon Salquist, James Schuler
and David Stein, to acquire up to 67.79 percent
of PNB Financial Group, Newport Beach, California. *

Newspaper:

Not available

Fed. Reg.:

8/28/95

John C. Bell, John C. Bell Family Trust and
K & G Trust, Burbank, California, to increase
ownership up to 13.83 percent of Western Security
Bancorp, Burbank, California. *

Newspaper:

Not available

Fed. Reg.:

8/28/95

Section III -Applications Subject to Federal Register Only
None

Section IV - Applications Not Sub.iect to Federal Register Notice
or Newspaper Notice
None

* Subject to CRA.




FEDERAL RESERVE BANK OF SAN FRANCISCO (cont’d.)
Week ending 8/11/95
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the Institution^) below became available during the week
ending August ll, 1995. Information about a particular Institution’s CRA evaluation
may be obtained directly from the Institution.
Institution

IflMtlflfl

Examination Date

Rating*

None

*Under the rating system an Institution’s CRA performance 1s assigned one of the
following
four ratings:
Outstanding record of meeting community credit needs:
An Institution has an
outstanding record of, and 1s a leader In, ascertaining and helping to meet the credit
needs of Its entire delineated community, Including low- and moderate-Income
neighborhoods, 1n 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 1n 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, 1n
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 1s not Intended to replace formal notices required by statute or
regulation; the Reserve Bank assumes no responsibility for errors or omissions.