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Federal Reserve Release
H.2

Actions o f the Board, Its Staff,
and the Federal Reserve Banks:
Applications and Reports Received

No. 33
W eek E n d in g A u g u st 1 6 ,1 9 9 7

Board o f Governors o f the Federal Reserve System, Washington, DC 20551




No. 33
ACTIONS TAKEN BY THE BOARD OF GOVERNORS
FORMS
Report of Terms of Credit Card Plans (FR 2572) —notice of information collection
under Regulations on Controlling Paperwork Burdens on the Public.
- Approved, August 15,1997
REGULATIONS AND POLICIES




Regulation E ~ revisions to implement amendments that exempt needs-tested
electronic benefit transfer (EBT) programs established or administered by state or
local governments from the Electronic Fund Transfer Act.
- Approved, August 11,1997

H.2
August 10,1997 t August 1 , 1997
o
6
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; RBOPS - Reserve Bank Operations and Payment
Systems; IF - International Finance; OSDM - Office of Staff Director for Management
BANK BRANCHES, DOMESTIC
San Francisco
Bank of Casa Grande Valley, Casa Grande, Arizona -- to establish a branch at 161
West Oak Street, Globe, Arizona.
- Approved, August 15,1997
Richmond
F & M Bank-Northern Virginia, Fairfax, Virginia -- to establish a branch at 8432
Old Keene Mill Road, Springfield, Virginia.
- Approved, August 11,1997
F & M Bank-Northern Virginia, Fairfax, Virginia -- to establish a branch at 3829
South George Mason Drive, Falls Church, Virginia.
- Approved, August 11,1997
Chicago
First American Bank, Carpentersville, Illinois -- to establish a branch at the
intersection of Roosevelt Road and Bakerhill Road, Glen Ellyn, Illinois.
- Approved, August 12,1997
Atlanta
Metro Bank of Dade County, Miami, Florida -- to establish a branch at 4820 North
Federal Highway, Lighthouse Point, Florida.
- Approved, August 14, 1997
Chicago
NBD Bank, Detroit, Michigan —to establish a branch at Model T Plaza, 14100
Woodward Avenue, Highland Park, Michigan.
- Approved, August 12,1997
Atlanta
Suntrust Bank, Atlanta, Georgia -- to establish a branch at 1000 Peachtree Industrial
Boulevard, Suwanee, Georgia.
- Approved, August 15,1997




H.2
August 10,1997 t August 16,1997
o

Page 2

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Richmond
Triangle Bank, Raleigh, North Carolina —to establish a branch in the Winn Dixie
Store at Clayton Crossing, 11407 Highway 70 West, Clayton, North Carolina.
- Approved, August 15,1997
BANK HOLDING COMPANIES
Secretary
Bank of New York Company, Inc., New York, New York —to acquire through Bank
of New York, New York, New York, and BNY Western Trust Company, Los
Angeles, California, assets relating to the institutional custody business of Wells
Fargo Bank, N.A., and Wells Fargo Bank (Texas) N.A.; and to acquire assets
relating to the corporate trust and agency business of certain subsidiaries of
NationsBank, N.A., Charlotte, North Carolina.
- Approved, August 14, 1997
St. Louis
Cabot Bankshares, Inc., Cabot, Arkansas —to acquire at least 7.7 percent of the
shares of Capital Bank, Little Rock, Arkansas, a proposed de novo bank.
- Approved, August 14, 1997
Director, BS&R
Caisse des Depots et Consignations, Paris, France —request for relief from a notice
requirement.
- Approved, August 14,1997
Dallas
Chaparral Bancshares, Inc., Richardson, Texas, and Chaparral Bancshares, Inc.,
Dover, Delaware —to acquire Van Alstyne Financial Corporation, Van Alstyne,
Texas, and First National Bank of Van Alstyne.
- Approved, August 13,1997
Kansas City
Commerce Bancshares, Inc., Kansas City, Missouri, and CBI-Kansas, Inc. —to
acquire CNB Bancorp, Inc., Independence, Kansas.
- Approved, August 14,1997




H.2
August 10,1997 t August 16,1997
o

Page 3

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Kansas City
Community First Bancshares, Inc., Butler, Missouri —to acquire Citizens Bank,
Appleton City, Missouri.
- Approved, August 14,1997
Cleveland
F.N.B. Corporation, Hermitage, Pennsylvania —to acquire shares of Sun Bancorp,
Selinsgrove, Pennsylvania.
- Approved, August 14,1997
Chicago
First National Bancshares, Inc., East Lansing, Michigan —to engage de novo in
lending activities through Finance Company of North America, LLC.
- Permitted, August 12,1997
St. Louis
First National Bank, Searcy, and First Bank of Arkansas, Jonesboro, both in
Arkansas -- to invest in the capital stock and participate in the credit card program of
Security Bankcard Center, Inc., Norman, Oklahoma.
- Approved, August 15, 1997
Atlanta
Gulf West Banks, Inc., St. Petersburg, Florida —request for waiver of application to
acquire Citizens National Bank and Trust Company, Port Richey, Florida.
- Granted, August 15,1997
New York
HSBC Holdings pic, London, England; HSBC Finance (Netherlands) Limited,
Amsterdam, the Netherlands; and HSBC Holdings BV, Amsterdam —to acquire
through HSBC Securities, Inc., New York, New York, an office of NatWest
Securities Corporation, New York, New York, and provide financial and investment
advisory services.
- Approved, August 11,1997
Chicago
Marengo Bancshares, Inc., Marengo, Illinois —to acquire Prarie State Bank.
- Returned, August 14,1997




H.2
August 1 , 1997 t August 16,1997
0
o

Page 4

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Minneapolis
Marquette Bancshares, Inc., Minneapolis, Minnesota -- to acquire Marquette Bank
Rochester, National Association, Rochester, Minnesota.
- Approved, August 14,1997
Chicago
Northern Bankshares, Inc., McFarland, Wisconsin -- to extend its lending authority.
- Returned, August 13,1997
Minneapolis
Northwest Wisconsin Bancorp, Chippewa Falls, Wisconsin, and BCB Bancorp -- to
engage de novo in data processing activities through Heartland Data Center, Inc.,
Cameron, Wisconsin.
- Permitted, August 14,1997
Minneapolis
Norwest Corporation, Minneapolis, Minnesota; Norwest Financial Services, Des
Moines, Iowa; and Norwest Financial, Inc. —to acquire certain assets of Family
Loan, Inc., Stockbridge, Georgia.
- Approved, August 13,1997
Atlanta
P.C.B. Bancorp, Inc., Largo, Florida -- to acquire Anchor Savings Bank, F.S.B., St.
Petersburg, Florida, and engage in operating a savings association.
- Approved, August 13, 1997
Atlanta
Peoples Community Bancshares, Inc., Colquitt, Georgia -- to acquire Farmers Bank
of Malone, Malone, Florida.
- Approved, August 14,1997
St. Louis
Progress Bancshares, Inc., Sullivan, Missouri - to acquire Progress Bank of
Sullivan, Sullivan, Missouri, a proposed de novo bank.
- Approved, August 15,1997




H.2
August 10, 1997 to August 16,1997

Page 5

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
New York
Royal Bank of Canada, Montreal, Canada —to acquire through Integrion Financial
Network, LLC, Atlanta, Georgia, certain assets and liabilities of VISA Interactive,
Inc., and engage in data processing and data transmission services.
- Approved, August 14,1997
Boston
Sandwich Bancorp, Inc., Sandwich, Massachusetts —to acquire Sandwich
Co-operative Bank.
- Permitted, August 12,1997
Chicago
Stichting Administratiekantoor ABN AMRO Holding, Amsterdam, the Netherlands;
Stichting Prioriteit ABN AMRO Holding; ABN AMRO Holding N.V.; ABN
AMRO Bank N.V.; and ABN North America, Inc., Chicago, Illinois -- to acquire
through Integrion Financial Network, LLC, Atlanta, Georgia, the assets and certain
of the liabilities of VISA Interactive, Inc., and provide remote banking and bill
payment services to banking customers of financial institutions.
- Approved, August 14,1997
Director, BS&R
Wachovia Corporation, Winston-Salem, North Carolina - waiver of remainder of
the 45-day notification period to invest in WSH Holdings, Ltd., Cayman Islands.
- Granted, August 15,1997
BANK MERGERS
Philadelphia
Ambassador Bank of the Commonwealth, Allentown, Pennsylvania -- to merge with
Wilbur Savings Bank, Bethlehem, Pennsylvania.
- Approved, August 14,1997
Kansas City
CBI-Kansas, Inc., Kansas City, Missouri —to merge with CNB Bancorp, Inc.,
Independence, Kansas.
- Approved, August 14,1997




H.2
August 10,1997 to August 16, 1997

Page 6

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
St. Louis
Citizens Bank, New Haven, Missouri -- to establish a branch at 2245 West Osage,
Pacific, Missouri.
- Approved, August 15,1997
Kansas City
Community Bank & Trust, Neosho, Missouri —to merge with Citizens State Bank,
Galena, Kansas, and establish branches at 215 East 7th Street, Galena, and 3rd and
Military, Riverton, Kansas.
- Approved, August 12,1997
Atlanta
Hibernia Corporation, New Orleans, Louisiana —to merge with Unicorp
Bancshares-Texas, Inc., Orange, Texas, and acquire OrangeBank.
- Approved, August 14, 1997
Cleveland
Provident Bank, Cincinnati, Ohio -- to merge with Provident Bank of Kentucky,
Alexandria, Kentucky, and establish branches.
- Approved, August 14, 1997
BANKS, NONMEMBER, AND MISCELLANEOUS INSTITUTIONS
Kansas City
MidFirst Bank, Oklahoma City, Oklahoma —registration as margin stock lender
under Regulation G.
- Approved, August 12, 1997
BANKS, STATE MEMBER
Secretary
Compass Bank, Jacksonville, Florida —to exercise fiduciary powers.
- Approved, August 15,1997
CAPITAL STOCK
Kansas City
Community Bancshares of Alva, Inc., Alva, Oklahoma —redemption of shares.
- Approved, August 12,1997




H.2
August 10,1997 to August 16,1997

Page 7

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
CHANGE IN BANK CONTROL
Kansas City
Clatonia Bancshares, Inc., Clatonia, Nebraska —change in bank control.
- Permitted, August 13,1997
St. Louis
Cross County Bancshares, Inc., Wynne, Arkansas ~ change in bank control.
- Permitted, August 13,1997
Kansas City
First Community Bancshares, Inc., Kansas City, Kansas —change in bank control.
- Permitted, August 14, 1997
Chicago
Home Financial Bancorp, Spencer, Iowa —change in bank control.
- Permitted, August 11, 1997
Atlanta
JBC Bancshares, Jasper, Georgia —change in bank control.
- Permitted, August 15,1997
COMPETITIVE FACTORS REPORTS
Philadelphia
Bank of Delmar, N.A., Seaford, Delaware —report on competitive factors of the
proposed purchase of certain assets and assumption of certain deposit liabilities of
two branches of Mellon Bank (DE), N.A., Wilmington, Delaware.
- Submitted, August 12, 1997
Secretary
Eldorado Savings Bank, Placerville, California —report on competitive factors of
the proposed acquisition of certain assets and assumption of certain liabilities of a
branch of Bank of America National Trust and Savings Association in Lone Pine,
California.
- Submitted, August 11,1997




H.2
August 10, 1997 to August 16,1997

Page 8

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

St. Louis
First National Bank of Salem, Salem, Missouri ~ report on competitive factors of
the proposed merger with Mercantile Bank of Central Missouri, Washington,
Missouri.
- Submitted, August 11,1997
Dallas
Homestead Bank, S.S.B., College Station, Texas —report on competitive factors of
the proposed merger with Planters Acquisition Bank, Heame, Texas.
- Submitted, August 13,1997
New York
Independence Savings Bank, Brooklyn, New York —report on competitive factors
of the proposed merger with Independence Community Bank Corp.
- Submitted, August 12,1997
Atlanta
Indian Rocks State Bank, Largo, Florida —report on competitive factors of the
proposed merger with Southwest Interim Bank, National Association.
- Submitted, August 13,1997
St. Louis
National City Bank of Evansville, Evansville, Indiana - report on competitive
factors of the proposed purchase of the assets and assumption of the liabilities of the
Mt. Vernon, Indiana, branch of First Federal Savings Bank.
- Submitted, August 15,1997
Dallas
Peoples Bank & Trust, Minden, Louisiana —report on competitive factors of the
proposed merger with First State Bank & Trust Company, Haynesville, Louisiana.
- Submitted, August 14,1997
St. Louis
Peoples First National Bank & Trust Co., Paducah, Kentucky —report on
competitive factors of the proposed purchase of certain assets and assumption of the
liabilities of the Benton, Kentucky, branch of Republic Bank & Trust Company,
Louisville, Kentucky.
- Submitted, August 14,1997




H.2
August 10,1997 to August 16,1997

Page 9

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

Dallas
Planters and Merchants State Bank of Heame, Heame, Texas -- report on
competitive factors of the proposed merger with Homestead Bank, S.S.B., College
Station, Texas.
- Submitted, August 13,1997
Chicago
S t Francis Bank, F.S.B., Milwaukee, Wisconsin —report on competitive factors of
the proposed merger with Bank Wisconsin, Kewaskum, Wisconsin.
- Submitted, August 12,1997
Philadelphia
Sovereign Bank, Federal Savings Bank, Wyomissing, Pennsylvania -- report on
competitive factors of the proposed purchase of certain assets and assumption of
certain deposit liabilities of Fleet Financial Group, Inc., Boston, Massachusetts.
- Submitted, August 12,1997
Chicago
Suburban Bank & Trust Company, Elmhurst, Illinois —report on competitive factors
of the proposed merger with Southwest Financial Bank & Trust Company, Orland
Park, Illinois.
- Submitted, August 13,1997
Philadelphia
Sun National Bank, Vineland, New Jersey —report on competitive factors of the
proposed acquisition of eleven branches of the Bank of New York, New York, New
York.
- Submitted, August 12,1997
St. Louis
Union Planters Bank of Central Mississippi, Jackson, Mississippi -- report on
competitive factors of the proposed purchase of certain assets and assumption of the
deposit liabilities of fourteen branches of Magnolia Federal Bank for Savings,
Hattiesburg, Mississippi.
- Submitted, August 14,1997




H.2
August 10,1997 to August 16,1997

Page 10

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

St. Louis
Union Planters Bank of Mississippi, Grenada, Mississippi -- report on competitive
factors of the proposed purchase of certain assets and assumption of the deposit
liabilities of the Grenada branch of Magnolia Federal Bank for Savings, Hattiesburg,
Mississippi.
- Submitted, August 14,1997
St. Louis
Union Planters Bank of Northwest Mississippi, Clarksdale, Mississippi —report on
competitive factors of the proposed purchase of certain assets and assumption of the
deposit liabilities of five branches of Magnolia Federal Bank for Savings,
Hattiesburg, Mississippi.
- Submitted, August 14,1997
Atlanta
Union Planters Bank of Southern Mississippi, Hattiesburg, Mississippi ~ report on
competitive factors of the proposed merger with Magnolia Federal Bank for Savings,
Hattiesburg, Mississippi.
- Submitted, August 13,1997
EXTENSIONS OF TIME
San Francisco
BankAmerica Corporation, San Francisco, California —extension to divest certain
property.
- Granted, August 14,1997
Richmond
Botetourt Bankshares, Inc., Buchanan, Virginia —extension to December 19,1997,
to acquire Bank of Botetourt.
- Granted, August 14,1997
Atlanta
First Commerce Corporation, New Orleans, Louisiana —extension to November 29,
1997, to engage in community development investment activities through ISO
Baronne Street Limited Partnership.
- Granted, August 12,1997




H.2
August 10,1997 to August 16,1997

Page 11

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

Chicago
St. Cloud Bancshares, St. Cloud, Wisconsin -- extension to November 7,1997, to
acquire State Bank of St. Cloud.
- Granted, August 12,1997
San Francisco
Shizuoka Bank, Ltd., Tokyo, Japan —extension to August 29,1997, to file certain
information in the Annual Report of Foreign Banking Organizations (FR Y-7).
- Granted, August 14,1997
Richmond
Signet Banking Corporation, Richmond, Virginia —extension to divest certain
property.
- Granted, August 14,1997
Atlanta
Southern Security Financial Corporation, Hollywood, Florida ~ extension to
November 22,1997, to acquire Southern Security Bank Corporation.
- Granted, August 11,1997
St. Louis
Union Bank of Illinois, Swansea, Illinois -- extension to February 15,1997, to
relocate branches at 200 Collinsville Avenue and St. Louis Avenue at Eighth Street
to one branch at 350 River Park Drive, all in East St. Louis, Illinois.
- Granted, August 15,1997
MEMBERSHIP
Kansas City
City Bank, Weatherford, Oklahoma -- to become a member of the Federal Reserve
System.
- Approved, August 14,1997
REGULATIONS AND POLICIES
Secretary
Systems of Records -- to combine two systems of records (BGFRS-7 and BGFRS-8)
and to make certain amendments.
- Proposed, August 14,1997




H.2

Additions/Corrections

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

BANK BRANCHES, DOMESTIC
New York
Bank of New York, New York, New York - to establish branches at King Kullen
Supermarkets at 88 Veterans Highway, Commack, and 455 Park Avenue,
Lindenhurst, New York.
- Approved, August 4,1997
EXTENSIONS OF TIME
Cleveland
BNB Bancorp, Brookville, Ohio -- extension to November 15,1997, to acquire
Brookville National Bank.
- Granted, August 5,1997




FEDERAL RESERVE BANK OF BOSTON APPLICATIONS
SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY
Comment Period Ending Date
NONE

Application

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
Comment Period Ending Date

App.llcat.ion

UST Corp., Boston,
Massachusetts - 4(c)(8)
notification to acquire
Firestone Financial Corp.,
Newton, Massachusetts

Federal Register

09/15/97

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

SECTION VI - APPLICATIONS BULLETIN
Effective April 21, 1997, information regarding the comment periods associated with
applications and notices submitted to the Federal Reserve Bank of Boston for
processing under section 3 and 4(c ) (8) of the Bank Holding Company Act of 1956, as
amended, will be available 24 hours a day by calling the following
toll-free number 1-800-896-9480.
SECTION VII - CRA EXAMINATION SCHEDULED
Examinations may have to be scheduled during the calendar quarter in which they are
designated to begin.
If an institution's examination is rescheduled for a date
later than the end of the date range reflected in a published schedule, the
institution's name will be republished in an appropriate later listing.
Any
comments received as a result of either the first publication or subsequent
publications will be considered during the examination.

The Federal Reserve Bank of Boston does not have any institutions scheduled to be
examined for CRA during the fourth quarter of 1997.




FEDERAL RESERVE BANK OF NEW YORK
Comment Period
Ending Date
SECTION I
Applications Subject to Newspaper
_____ Notice Only_____

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

None.
SECTION III
N onbanking Applications
(subject to Federal Register Notice Only I

None.
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
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.
Week Ending August 16.1997
NAME OF BANK

RATING

EXAMINATION DATE

None
SECTION VI
CRA Examinations Scheduled to Begin in Fourth Q uarter 1997
Examinations may have to be rescheduled during the calendar quarter in which they are
designated to begin. If an institution's examination is rescheduled for a date later than the end of
the date range reflected in the published schedule, as shown above, the institution's name will be
republished in an appropriate later listing. Any comments received as a result of either the first
publication or subsequent publications will be considered during the-examination. Comments
should be sent to the attention of: Ms. Assunta Muglia, Examining Officer, Federal Reserve
Bank of New York, 33 Liberty Street, New York, NY 10045.
Alden State Bank
13216 Broadway (Route 20)
Alden, NY 14004

Peapack-Gladstone Bank
P.O. Box 178
Gladstone, NJ 07934

First State Bank
3 Main Street
Canisteo, NY 14823

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




FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED ANDSUBJECT TO NEWSPAPER
NOTICE.ONLY
NONE
SECTION II - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEWSPAPER

.AND FEDERAL REGISTER-NOTICE
NONE
SECTION III - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL
REGISTER NOTICE ONLY
NONE
SECTION IY - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL
REGISTER NOTICE OR NEWSPAPER




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 15, 1997.
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

Exam ination D ate

CRA Rating

United Bank of Philadelphia
714 Market Street
Philadelphia, PA. 19106

3/31/97

Outstanding




SECTION VI - CRA EXAM SCHEDULE
(October 1.1997 to Decmber 30.1997)
"Examinations may have to be rescheduled during the calendar
quarter in which they are designated to begin. If an institution's
examination is rescheduled for a date later than the end of the
date range reflected in a published schedule, the institution's
name will be republished in an appropriate later listing. Any
comments received as a result of either the first publication or
subsequent publications will be considered during the examination."

Bank Name

RSSD#

First Bank of Philadelphia
1401 Walnut Street
Philadelphia, PA 19102

884312

Ambassador Bank
4127 Tilghman Street
Allentown, PA 18104

1496020

Miners Bank of Lykens
550 Main Street
Lykens, PA 17048

962715




District
Federal Reserve Bank of Cleveland
Applications and notifications filed during the week ending 8/16/97

Section I - Applications subject to newspaper notice only
Type

Application

Ending date of
comment period

NONE
Footnotes

Section II - Applications subject to both newspaper and Federal Register notice
Type

Application

4C8

Notice by Community Holding Company, Inez, KYreceived on
8/12/97 to acquire Inez Deposit Bank, F.S.B., Inez, KY

Ending date of
comment period
*NP: *9/6/97

Footnotes

Section III - Applications subject to Federal Register notice only
Type

Application

Ending date of
comment period

NONE
Footnotes

Section IV - Applications not subject to Federal Register or newspaper notice
Type

Application
NONE

Footnotes




Ending date o f
comment period

Section V - Availability of CRA public evaluations
Description of the CRA Goal against which institutions are evaluated, the four performance levels, and the
institutions for which an evaluation is publicly available.

The CRA requires a periodic evaluation of each covered institution regarding the extent to which it has
ascertained, and helped meet, the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.
The federal bank regulators use the following four performance levels to rate an institution’s performance under
CRA.:
Outstanding
Satisfactory
Needs to Improve
Substantial noncompliance
RSSD
number

Institution/Location
NONE

Footnotes




Examination
date

CRA
public date

CRA
rating

Section VI - CRA examinations scheduled for Fourth Quarter of 1997
Institution

Location

Andover Bank

P.O. Box 1300, Public Square, Andover, OH 44003-1300

Bank of Corning Company

P.O. Box 428, N. Valley Street, Coming, OH 43730-0428

Commercial & Savings Bank Co.

P.O. Box 50,194 W. Main Street, Cortland, OH 44410-0098

Fifth Third of Northeastern Ohio

1404 E. Ninth Street, Cleveland, OH 44114

Genoa Banking Company

P.O. Box 98, 801 Main Street, Genoa, OH 43430-0098

Hamler State Bank

P.O. Box 358, 210 Randolph Street, Hamler, OH 43524-0358

Hocking Valley Bank

P.O. Box 4847, 7 W. Stimson, Athens, OH 45701-4847

The Citizens Banking Company

P.O. Box 5016, 100 E. Water Street, Sandusky, OH 44871-5016

The Corn City State Bank

P.O. Box 197, 120 W. Main Street, Deshler, OH 43516-0197

The Cortland Savings & Banking Co.

P.O. Box 98,194 W. Main Street, Cortland, OH 44410-0098

The Custar State Bank

P.O. Box 127, Main Street, Custar, OH 43511-0127

The Farmers Citizen Bank

P.O. Box 567, Washington Square, Bucyrus, OH 44820-0567

The M etamora State Bank

P.O. Box F, 120 E. Main Street, Metamora, OH 43540-0270

The M inster State Bank

P.O. Box 90, 96 W. Fourth Street, Minster, OH 45865-0090

The Provident Bank

1 E. 4th Street, Cincinnati, OH 45202

Towne Bank

P.O. Box 202, 610 E. South Boundary, Perrysburg, OH 43551

Footnotes




Federal Reserve Bank of Richmond
Section I - Applications Subject to Newspaper
Ngtige Only
Application

Comment Period Ending Date

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

Comment Period Ending Date

Calvin B . Taylor Bankshares, Inc.
,
Berlin, Maryland, to acquire Calvin B.
Taylor Bank of Delaware, Ocean View,
Delaware (in organization).*

9-15-97**

Section III - Applications Subject to Federal Register Notice
Application
NationsBank Corporation, Charlotte,
North Carolina; First Union Corporation,
Charlotte, North Carolina; First Citizens
BancShares, Inc., Raleigh, North Carolina;
BB&T Corporation, Winston-Salem, North
Carolina; Wachovia Corporation, WinstonSalem, North Carolina; Jefferson Bankshares,
Inc., Charlottesville, Virginia; First
Virginia Banks, Inc., Falls Church, Virginia;
Central Fidelity Bankshares, Inc., Richmond,
Virginia; Signet Banking Corporation, Richmond,
Virginia; and Riggs National Corporation,
Washington, D. C., to acquire through HONOR
Technologies, Inc., Maitland, Florida, Monetary
Transfer System, L.L.C., St. Louis, Missouri,
and thereby engage directly and indirectly in
certain data processing and electronic funds
transfer services.

cgmmgnt ,

.Ending.Date

9-3-97**

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



Federal Reserve Bank of Richmond

Section IV - Application Not Subject to
Federal Register Notice or Newspaper Notice
Application
Clemson Bank & Trust, Clemson, South
Carolina, for membership in the Federal
Reserve System.




Federal Reserve Bank of Richmond
Section V - Availability of CRA Public Evaluations
Week ending August 15, 1997

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

RSSD
Number
None.




Name of Bank

Examination
____Date___

Rating

Federal Reserve Bank of Richmond

Section VI - CRA Examinations Scheduled for Fourth Quarter of 1997
Examinations may have to be rescheduled during the calendar quarter in which
they are designated to begin. If an institution's examination is rescheduled
for a date later than the end of the date range reflected in published schedule,
the institution's name will be republished in an appropriate later listing. Any
comments received as a result of either the first publication or subsequent
publications will be considered during the examination.

Centura Bank, Rocky Mount, North Carolina
Highlands Union Bank, Abingdon, Virginia
United Bank, Arlington, Virginia
Virginia Commerce Bank, Arlington, Virginia
Citizens Bank and Trust Company, Blackstone, Virginia
The Marine Bank, Chincoteaque, Virginia
Bank of Ferrum, Ferrum, Virginia
First Community Bank, Forest, Virginia
Piedmont Trust Bank, Martinsville, Virginia
Hanover Bank, Mechanicsville, Virginia
The Community Bank, Petersburg, Virginia
Capital One Bank, Richmond, Virginia
Crestar Bank, Richmond, Virginia
Bank of Gassaway, Gassaway, West Virginia
The Peoples Bank of Mullens, Mullens, West Virginia




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending August 15.1997

Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Colonial Bank
08-29-97*
Montgomery, Alabama
To establish a branch located on the Northside o f Highway 82/McFarland Boulevard, 100
TownCenter Boulevard, Tuscaloosa, Alabama.

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

Comment Period Ending Date

Valley National Corporation
09-05-97*
Lanett, Alabama
Federal Register
1-BHC formation, Valley National Bank o f Lanett, Lanett, Alabama.
Regions Financial Corporation
Not yet available*
Birmingham, Alabama
To acquire Griffin Federal Savings Bank, Griffin, Georgia, and thereby engage in operating a
savings association, pursuant to Section 225.28(b)(4)(ii) o f Regulation Y and Section 4(c)(8) o f the
Bank Holding Company Act.
Section 3 - Applications Subject to Federal Register Only
Application
None.

♦Subject to provisions o f the Community Reinvestment Act.




Comment Period Ending Date

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending August 15.1997
Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Compass Bank
Houston, Texas
To become a member of the Federal Reserve System, pursuant to Section 9 of the Federal Reserve
Act and Section 208.4 of Regulation H.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending August 15.1997
Section 10 - Availability of CRA Public Evaluations
The CRA public evaluations of the insured depository institutions listed below became available
dining 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 institutionhas 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 helping to meet the credit needs of its entire delineated community, including
low- and moderate-incomeneighborhoods,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

CRA Rating

Examination Date

Aliant Bank
Satisfactory
Post Office Box 1237
Alexander City, Alabama 35010
(205) 329-7400

04-28-97

First Navy Bank
Naval Air Station
Murray & Taylor Station
Pensacola, Florida 32508
(904)453-3411

04-14-97




Satisfactory

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending August 15.1997
Section 10 - Availability of CRA Public Evaluations fconO
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 institutionhas 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 helping to meet the credit needs of its entire delineated community, including
low- and moderate-incomeneighborhoods,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

CRA Rating

Republic Security Bank
Satisfactory
Post Office Box 4298
West Palm Beach, Florida 33407
(407) 840-1200




Examination Date
05-05-97

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ehding August 15.1997
Section 6 - CRA Examinations Scheduled
Examinations may have to be rescheduled during the calendar quarter in which they are designated
to begin. If an institution’s examination is rescheduled for a date later than the end of the date
range reflected in a published schedule, the institution’s name will be republished in an
appropriate later listing. Any comments received as a result of either the first publication or
subsequent publications will be considered during the examination.




First Vantage Bank-Tennessee, Knoxville, Tennessee
Tri-City Bank & Trust Company, Blountville, Tennessee
The Terrace Bank of Florida, Tampa, Florida
AmTrade International Bank of Georgia, Atlanta, Georgia
Southwest Georgia Bank, Moultrie, Georgia
Alabama Exchange Bank, Tuskegee, Alabama
PanAmerican Bank, Miami, Florida
Capital City Bank, Tallahassee, Florida
Farmers and Merchants Bank, Trenton, Florida
The Brand Banking Company, Lawrenceville, Georgia
Gulf Bank, Orange Beach, Alabama
First Community Bank, Orange City, Florida
First Western Bank, Cooper City, Florida
First United Bank, Boca Raton, Florida
First Newton Bank, Covington, Georgia
Bank of Forest, Forest, Mississippi
Bank of Dadeville, Dadeville, Alabama
Citizens Bank of Talladega, Talladega, Alabama
Commercial Bank, Harrogate, Tennessee
Peoples Bank & Trust Company, Selma, Alabama

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending August 15.1997
Recently Approved Applications

Approval Date

Gulf West Banks, Inc.
08-15-97
St. Petersburg, Florida
Request for waiver of the application requirement of Section 3(a)(3) of the Bank Holding Company
Act to acquire Citizens National Bank and Trust Company, Port Richey, Florida.
Metro Bank of Dade County
08-14-97
Miami, Florida
To establish a branch located at 4820 N. Federal Highway, Lighthouse Point, Florida.
P.C.B. Bancorp, Inc.
08-13-97
Largo, Florida
To acquire Anchor Savings Bank, F.S.B., St. Petersburg, Florida, and thereby engage in operating
a savings association, pursuant to Section 225.28(b)(4)(ii) of Regulation Y and Section 4(c)(8) of
the Bank Holding Company Act.
JBC Bancshares, Inc.
08-15-97
Jasper, Georgia
Change in control notificationby Jasper Banking Company Employee Stock Ownership Plan, Jasper,
Georgia, to acquire at least 10 percent of the outstanding shares of JBC Bancshares, Inc., Jasper,
Georgia.
Peoples Community Bancshares, Inc.
08-14-97
Colquitt, Georgia
To acquire Farmers Bank of Malone, Malone, Florida, pursuant to Section 3(a)(3) of the Bank
Holding Company Act.
SunTrust Bank, Atlanta
08-15-97
Atlanta, Georgia
To establish a branch located at 1000 Peachtree Industrial Boulevard, Suwanee, Georgia, to be
known as the McGinnis Crossing Branch.
Hibernia Corporation
08-14-97
New Orleans, Louisiana
To merge with Unicorp Bancshares-Texas, Inc., and thereby directly acquire OrangeBank, both of
Orange, Texas, pursuant to Section 3(a)(5) of the Bank Holding Company Act.
Mercantil Servicios Financieros, C.A.
08-06-97
Caracas, Venezuela
Request for waiver of the application requirement of Section 3(a)(1) of the Bank Holding Company
Act for Mercantil Servicios Financieros, C.A., Caracas, Venezuela, to become a bank holding
company through the acquisition of Consorcio Inversionista Mercantil y Agricola, C.A., S.A.C.A.
(CIMA), and Banco Mercantil, C.A., S.A.C.A., both of Caracas, Venezuela.




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

Ending Date

Type

Application

Branch

Fifth Third Bank of Central Indiana
Indianapolis, Indiana
3060 Valley Farms Road
Indianapolis, Indiana

NP - 8-15-97

Branch

First Farmers Bank & Trust Company
Converse, Indiana
36 West Fifth Street
Peru, Indiana

NP - 8-18-97

Branch & Merger

F & M Bank-Fennimore
Fennimore, Wisconsin
F & M Bank - Potosi
Potosi, Wisconsin
F & M Bank - Lancaster
Lancaster, Wisconsin
to establish branches at
302 South Madison
Lancaster, Wisconsin
102 South Main Street
Potosi, Wisconsin
100 Rosalyn Avenue
Dickeyville, Wisconsin

NP - 8-28-97

Branch & Merger

First Farmers Bank & Trust Company
Converse, Indiana
Sheridan, Indiana branch office of
NBD Bank, N.A.
to establish a branch at
322 South Main Street
Sheridan, Indiana

NP . **




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

Type

Application

Branch

F & M Bank - Appleton
Appleton, Wisconsin
3000 E. College Avenue
Appleton, Wisconsin

NP - 8-25-97

Branch

Firstar Bank Wisconsin
Madison, Wisconsin
East Pointe Shopping Center
5673 Highway 10 East
Stevens Point, Wisconsin

NP - 8-21-97

Branch

NBD Bank
Detroit, Michigan
Model T Plaza
14100 Woodward Avenue
Highland Park, Michigan

NP - 7-30-97

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




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

Type

Application

CoC-HC

Damen Financial Corporation
Schaumburg, Illinois
By Jackson Boulevard Fund, Ltd. and
Paul J. Duggan

FR - 9-3-97
NP - **

3(a)(1)

Progressive Bancorp, Inc.*
Pekin, Illinois
Pekin Savings, S.B.
Pekin, Illinois

FR - 8-15-97
NP - 8-14-97

CoC-HC

First Business Bancshares, Inc.
Madison, Wisconsin
By Sam Jacobsen

3(a)(1)

First State Bancshares, Inc.*
Ida Grove, Iowa
First State Bank
Ida Grove, Iowa

FR - 8-15-97
NP - 8-22-97

3(a)(1)

Hometown Independent Bancorp, Inc.*
Morton, Illinois
Morton Community Bank
Morton, Illinois

FR - 8-15-97

3(a)(1)

Heartland Bancshares, Inc.*
Franklin, Indiana
Heartland Community Bank (in organization)
Franklin, Indiana

FR - 9-12-97
NP - **

3(a)(3)

O.A.K. Financial Corporation*
Byron Center, Michigan
Caledonia Financial Corporation
Caledonia, Michigan
State Bank of Caledonia
Caledonia, Michigan

FR - 8-15-97
N P - 8-11-97




FR - 8-28-97

Np _ **

Np _ **

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

Type

Application

4(c)(8)

Associated Banc-Corp
Green Bay, Wisconsin
First Financial Corporation
Stevens Point, Wisconsin
First Financial Bank, FSB
Stevens Point, Wisconsin
Appraisals Services, Inc.
Milwaukee, Wisconsin
First Financial Card Services Bank, N.A.
Stevens Point, Wisconsin

FR - 8-15-97
NP - 7-16-97

3(a)(3)

Mid City Financial Corporation*
Chicago, Illinois
Abrams Centre Bancshares, Inc.
Dallas, Texas
Abrams Centre National Bank
Dallas, Texas

FR - 8-28-97
NP - 8-25-97

COC-HC

Northern Bankshares, Inc.
McFarland, Wisconsin
By E. David Locke

CoC-HC




Albert City Bankshares, Inc.
Albert City, Iowa
By Steven A. Grell
Bovee Investment Trust
Bruce Tamisiea
Bruce Nystrom
Gary Grave
John M. Cotton
David M. Hultgren

FR - 8-29-97
Np _ **

FR - 8-29-97
NP - **

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

ly p e

Application

4(c)(8)

ABN AMRO Bank, N.V.
Amsterdam, The Netherlands
Visa Interactive, Inc.
through Integrion Financial Network, LLC, Atlanta, Georgia

F R - 8-11-97

4(c)(8)

ABN AMRO Holding, N.V.
Amsterdam, The Netherlands
Visa Interactive, Inc.
through Integrion Financial Network, LLC, Atlanta, Georgia

F R - 8-11-97

4(c)(8)

ABN AMRO North America, Inc.
Chicago, Illinois
Visa Interactive, Inc.
through Integrion Financial Network, LLC, Atlanta, Georgia

F R - 8-11-97

4(c)(8)

Stichting Administratiekantoor ABN AMRO Holding
Amsterdam, The Netherlands
Visa Interactive, Inc.
through Integrion Financial Network, LLC, Atlanta, Georgia

F R - 8-11-97

4(c)(8)

Stichting Prioriteit ABN AMRO Holding
Amsterdam, The Netherlands
Visa Interactive, Inc.
through Integrion Financial Network, LLC, Atlanta, Georgia

F R - 8-11-97

4(c)(8)

Bank of Montreal
Toronto, Canada
Cash Station, Inc.
Chicago, Illinois

FR - 8-28-97

4(c)(8)

Bankmont Financial Corp.
Chicago, Illinois
Cash Station, Inc.
Chicago, Illinois

FR - 8-28-97

4(c)(8)

Harris Bankcorp, Inc.
Chicago, Illinois
Cash Station, Inc.
Chicago, Illinois

FR - 8-28-97




Federal Reserve Bank of Chicago
Section III - Applications Subject to Federal Register
Notice Only cont’d
Comment Period
Ending Pate

Type

Application

4(C)(8)

Harris Bankmont, Inc.
Chicago, Illinois
Cash Station, Inc.
Chicago, Illinois

FR - 8-28-97

4(c)(8)

Firstbank of Illinois Co.
Springfield, Illinois
Geneva Capital Corp.
Springfield, Illinois

FR - 8-26-97




Federal Reserve Bank of Chicago
Section IV - Applications Not Subject to Federal Register or Newspaper Notice
Type

Application

ROS

Albert City Bankshares, Inc.
Albert City, Iowa
To redeem approximately 1,513 shares of common
stock




Federal Reserve Bank of Chicago
Section V - 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-business day period the bank has to make the evaluation public has lapsed during the
week ending August 15, 1997. 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 has a 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 substantial noncompliance 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/LOCATIQN
The Farmers State Bank
309 South Prairie
P.O. Box 159
Brookston, Indiana 47923-0159
(317) 563-3135
RSSD #571443

EXAMINATION DATE
4/28/97

RATINGS
S

Federal Reserve Bank of Chicago

Section VI - CRA Examinations Scheduled
The following state member banks are tentatively scheduled for a CRA examination during the fourth quarter of 1997.
Examinations may have to be rescheduled during the calendar quarter in which they are designated to begin. If an
institution’s examination is scheduled for a date later than the end of the date range reflected in a published schedule, the
institution’s name will be republished in an appropriate later listing. Any comments received as a result of either the first
publication or subsequent publications will be considered during the examination.




ILLINOIS
State Bank of Arthur
Bloomingdale Bank and Trust
Prairie Bank and Trust Company
The Northern Trust Company
Community Bank of Elmhurst
Hamburg State Bank
Midwest Bank of Hinsdale
McHenry State Bank
Foxdale Bank
Villa Park Trust & Savings Bank

Arthur, Illinois
Bloomingdale, Illinois
Bridgeview, Illinois
Chicago, Illinois
Elmhurst, Illinois
Hamburg, Illinois
Hinsdale, Illinois
McHenry, Illinois
South Elgin, Illinois
Villa Park, Illinois

INDIANA
Wayne Bank and Trust Co.
The Fifth Third Bank of Central Indiana
Central Bank

Cambridge City, Indiana
Indianapolis, Indiana
Russiaville, Indiana

IOWA
First American Bank
First State Bank
Central State Bank
First American Bank
Glenwood State Bank
First Bank & Trust Co.
First American Bank
First State Bank
Hedrick Savings Bank
City State Bank
Templeton Savings Bank
First American Bank

Ames, Iowa
Churdan, Iowa
Elkader, Iowa
Fort Dodge, Iowa
Glenwood, Iowa
Glidden, Iowa
Jewell, Iowa
Manchester, Iowa
Ottumwa, Iowa
Ogden, Iowa
Templeton, Iowa
Webster City, Iowa
MICHIGAN

Chelsea State Bank
The State Bank of Coloma
Citizens Commercial & Savings Bank
The Onsted State Bank
Lapeer County Bank and Trust
OMNIBANK

Chelsea, Michigan
Coloma, Michigan
Flint, Michigan
Onsted, Michigan
Lapeer, Michigan
River Rouge, Michigan




Federal Reserve Bank of Chicago

Section VI - CRA Examinations Scheduled
cont’d
WISCONSIN
M&I Bank Fox Valley
Community First Bank
M&I Northern Bank
M&I Bank Northeast
Green Lake State Bank
M&I Lake Country Bank
M&I Bank South
M&I Bank of Mayville
M&I Bank of Southern Wisconsin
M&I Marshall & Ilsley Bank
M&I Central State Bank
M&I Bank of Shawano
M&I Bank South Central

Appleton, Wisconsin
Boscobel, Wisconsin
Brookfield, Wisconsin
Green Bay, Wisconsin
Green Lake, Wisconsin
Hartland, Wisconsin
Janesville, Wisconsin
Mayville, Wisconsin
Madison, Wisconsin
Milwaukee, Wisconsin
Oshkosh, Wisconsin
Shawano, Wisconsin
Watertown, Wisconsin

RESERVE B A N K APPLICATIONS BULLETIN

For week ending August 15, 1997

FEDERAL RESERVE BANK OF ST. LOUIS
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application

End of Comment Period

None.

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

End of Comment Period

* Section 3(a)(3) notification by Community
Financial Corp., Olney, Illinois, to acquire
MidAmerica Bank of St. Clair County, O’Fallon,
Illinois.

Newspaper: 9-15-97

* Section 4(c)(8) notification by Union Planters
Corporation, Memphis, Tennessee, to acquire Sho-Me
Financial Corporation, Mt. Vernon, Missouri.

Newspaper: 9-9-97

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application

End of Comment Period

None.

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

End of Comment Period

Section 3(a)(5)(C) notification by Midwest Community
Bancshares, Inc., Marion, Illinois, to acquire The
Bank of Marion, Marion, Illinois.

N/A

* This notification is subject to CRA.




RESERVE B A N K APPLICATIONS BULLETIN

For week ending August IS, 1997

FEDERAL RESERVE BANK OF ST. LOUIS
SECTION V - 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 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 of its entire delineated community, including low- and moderate-income
97neighborhoods, 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 RSSD
Number
None




Name of Bank

Bank Address

Examination
Date

Examination
Rating

RESERVE B A N K APPLICATIONS BULLETIN

F or week ending

Aug s 1 . 1 9
ut 5 9 7

SE C T IO N V I - C R A E X A M IN A T IO N S S C H E D U L E D

Examinations may have to be rescheduled during the calendar quarter in which they are designated
to begin. If an institution's examination is rescheduled for a date later than the end of the date range
reflected in a published schedule, the institution's name will be republished in an appropriate later
listing. Any comments received as a result of either the first publication or subsequent publications
will be considered during the examination.

RSSD
Number

Name

City

State

105549

Bank of Bentonville

Bentonville

Arkansas

33174

Farmers Bank and Trust Company

Blytheville

Arkansas

311845

Mcllroy Bank & Trust

Fayetteville

Arkansas

267148

Security Bank

Harrison

Arkansas

453446

Heber Springs State Bank

Heber Springs

Arkansas

339540

Arkansas Bank and Trust Company

Hot Springs

Arkansas

18144

Citizens Bank

Marion

Arkansas

731443

Farmers & Merchants Bank

Prairie Grove

Arkansas

913847

Springdale Bank & Trust

Springdale

Arkansas

192147

Citizens Bank & Trust Company

Van Buren

Arkansas

309150

Commerce-Warren County Bank

Warrenton

Missouri




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

Application
Le Sueur State Bank, Le Sueur, Minnesota to purchase
certain assets and assume certain liabilities of the Cloquet,
Minnesota branch of TCF National Bank Minnesota,
Minneapolis, Minnesota, and, incident thereto, to establish
a branch. *

August 25,1997

* Subject to CRA
FEDERAL RESERVE BANK OF MINNEAPOLIS
Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Comment Period
Ending Date

Application
Norwest Corporation, Minneapolis, Minnesota for prior
approval to acquire 100% of the voting shares of the
International Bancorporation, Golden Valley, Minnesota. *

September 12,1997
(Federal Register)

Union Bancshares, Inc., Fargo, North Dakota for prior
approval to become a bank holding company through the
acquisition of 84.56% of the voting shares of Union State
Bank, Fargo, North Dakota. *

Not yet available

Robert L. Frei to acquire control of 53.3% of the voting
shares of Commercial Holding Company, Wagner, South Dakota.

Not yet available

Anderson Financial Group, Inc., Golden Valley, Minnesota for prior
approval to become a bank holding company through the acquisition
of 100% of the voting shares of Northern National Bank, Nisswa,
Minnesota, a de novo bank. *

Not yet available

International Bancorporation, Golden Valley, Minnesota for prior
approval to acquire 100% of the voting shares of the Northern
National Bank, Nisswa, Minnesota, a de novo bank. *

Not yet available

* Subject to CRA
FEDERAL RESERVE BANK OF MINNEAPOLIS
Section III - Applications Subject
to Federal Register Notice Only
Application
Norwest Corporation, Minneapolis, Minnesota to engage
in securities brokerage activities through the acquisition
of the brokerage business of the subsidiary banks of
International Bancorporation, Golden Valley, Minnesota.



Comment Period
Ending Date
September 12,1997




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

FEDERAL RESERVE BANK OF M INNEAPO LIS

Section V - Availability of
CRA Public Evaluations
w eek ending A ugust 15,1997

ASSIG E O RATING
NM NT F
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!SI EXAMINED

DATE OF EXAMINATION

CRA RATING

Pioneer Bank
301 Main Street, Box 306
Mapleton, MN 56065-0306
(507) 524-3630

April 7,1997

Satisfactory




Federal Reserve Bank o f Minneapolis
Section V I - C R A Examinations
Scheduled to Begin in the Period October 1,1997 - December 31,1997

Examinations may have to be rescheduled during the calendar quarter in which they are designed to
begin. If an institution's examination is rescheduled for a date later than the end of the date range
reflected in a published schedule, the institution's name will be republished in an appropriate later listing.
Any comments received as a result of either the first publication or subsequent publications will be
considered during the examination. Written comments regarding die CRA performance of these
institutions should be directed to Ms. Jacquelyn Brunmeier at the Federal Reserve Bank of Minneapolis,
Banking Supervision Department, P.O. Box 291, Minneapolis, MN 55480-0291.
Bank Name

City

State

Clinton State Bank
North Shore Bank of Commerce
Northland Security Bank
First Citizens Bank of Butte
Citizens State Bank of Choteau
Ravalli County Bank
Yellowstone Bank
First Citizens Bank of Poison
Ronan State Bank
Lake County Bank
State Bank of Terry
Farmers State Bank
Western Bank of Wolf Point
State Bank of Alcester
Fulton State Bank
Hand County State Bank
Onida State Bank
First PREMIER Bank
M & I Bank, Ashland
M & I Bank of La Crosse
M & I Merchants Bank

Clinton
Duluth
Ramsey
Butte
Choteau
Hamilton
Laurel
Poison
Ronan
St. Ignatius
Terry
Victor
Wolf Point
Alcester
Fulton
Miller
Onida
Sioux Falls
Ashland
La Crosse
Rhinelander

Minnesota
Minnesota
Minnesota
Montana
Montana
Montana
Montana
Montana
Montana
Montana
Montana
Montana
Montana
South Dakota
South Dakota
South Dakota
South Dakota
South Dakota
Wisconsin
Wisconsin
Wisconsin




Federal Reserve Bank of Kansas City

Week Ending August 15,1997

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

COMMENT PERIOD ENDING DATE

APPLICATION
None.

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

APPLICATION

COMMENT PERIOD ENDING DATE

Michael D. Platt, Hardtner, Kansas, James L. Molz,
Kiowa, Kansas, David C. Collins, and Roland C.
Pederson, both of Burlington, Oklahoma, for prior
approval to acquire voting control of B-K Agency,
Inc., Hardtner, Kansas; and thereby indirectly acquire
The Farmers State Bank, Hardtner, Kansas.

Not Available

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

C O M M EN T PERIO D E N D IN G D A T E

None.

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

APPLICATION
Dinsdale Bros., Palmer, Nebraska, for prior approval
to engage in listed activities.




aunt**

SECTION V - AVAILABILITY OF 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:
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 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.
CRA
Rating

Bank/Location

RSSD#

Exam Date

CRA Public
Date

Citizens Bank
Bancroft, Nebraska

340854

05/12/97

08/13/97

Satisfactory

Bank of Belen
Belen, New Mexico

1972298

05/19/97

08/13/97

Outstanding

BankWest
Goodland, Kansas

989758

05/19/97

08/14/97

Outstanding




SECTION VI. CRA Examinations Scheduled for the 4th Quarter of 1997
BANK NAME

CITY

STATE

Pitkin County Bank & Trust Colorado
Bank of Boulder
Centennial Bank
Union Colony Bank
Lafayette State Bank
Colorado Mountain Bank
Citizens Bank Inc .
Citizens State Bank & Trust Colorado.
American Bank
The Citizens-Farmers Bank of Cole Camp
Bank of Holden
Adams Bank & Trust Colorado.
Platte Valley State Bank & Trust Co.
First State Bank of Taos
First State Bank
First Bank of Turley
Shoshone First Bank
Western Bank of Cody
Lusk State Bank
First Security Bank
First State Bank of Newcastle

Aspen
Boulder
Englewood
Greeley
Lafayette
Westcliffe
Westminster
Ellsworth
Wichita
Cole Camp
Holden
Ogallala
Kearney
Taos
Fairfax
Tulsa
Cody
Cody
Lusk
Newcastle
Newcastle

Colorado
Colorado
Colorado
Colorado
Colorado
Colorado
Colorado
Kansas
Kansas
Missouri
Missouri
Nebraska
NE
NM
OK
OK
WY
WY
WY
WY
WY

Examinations may have to be rescheduled during the calendar quarter in which they are designated
to begin. If an institution’s examination is rescheduled for a date later than the end of the date
range reflected in a published schedule, the institution’s name will be republished in an
appropriate later listing. Any comments received as a result of either the first publication or
subsequent publications will be considered during the examination.

♦Application is subject to CRA.




District 11
Federal Reserve Bank of Dallas
Applications and Notifications Filed During the Week of August 11, 1997

Section 1 - Applications, subject to newspaper notice only
Type

Application

Comment period
ending date

None.
* Subject to CRA.
** Comment period ending date is the date specified in the newspaper only.
N/A - Not available at this time.

Section 11 - Applications subject to both newspaper and Federal Register notice
Comment period
ending date

Type

Application

♦Section 3(a)(1)

New Broadway, Inc., San Antonio, TX, to acquire Broadway **97/08/29
Bancshares, Inc., San Antonio, TX,
Broadway Bancshares of Delaware, Inc., Wilmington, DE,
Broadway National Bank, San Antonio, TX, and
Eisenhower National Bank, San Antonio, TX
(Previously reported during the week of August 4, 1997)

♦Section 3(a)(1)

Nichols Bancshares, Inc., Kenedy, TX, to acquire
J. M. Nichols, Inc., Dover, DE, and
First-Nichols National Bank of Kenedy, Kenedy, TX
(Previously reported during the week of August 4, 1997)

**97/09/05

♦Section 3(a)(1)

J. M. Nichols, Inc., Dover, DE, to acquire
First-Nichols National Bank of Kenedy, Kenedy, TX
(Previously reported during the week of August 4, 1997)

**97/09/05

Change in Control Thomas M. Woodruff, Humble, TX, only notificant,
Notice
to acquire an interest in Grimes County Capital
Corporation, Houston, TX
(Previously reported during the week of August 4, 1997)

**97/08/27

Change in Control Citizens National Bank in Waxahachie Employee Stock
N/A
Notice
Ownership Plan, Waxahachie, TX, only notificant, to acquire
an interest in First Citizens Bancshares, Inc., Waxahachie,
TX




Federal Reserve Bank of Dallas
Section I I - Applications subject to both newspaper and Federal Register notice

Type

Application

Comment period
ending date

Change in Control Lacy J. Harber, Denison, TX, only notificant, to acquire an
interest in Marble Falls National Bancshares, Inc., Marble
Notice
Falls, TX

N/A

Change in Control West U. Limited, Bradley F. Bracewell, Jr., General
Parmer, Houston, TX, only notificant, to acquire
Notice
an interest in First University Corporation, Houston, TX
(Previously reported during the week of July 14, 1997)

**97/08/17

* Subject to CRA.
** Comment period ending date is the date specified in the newspaper only.
N/A - Not available at this time.




Federal Reserve Bank of Dallas
Section I I I - Applications subject to Federal Register notice only

Type

Application

Comment period
ending date

None.
* Subject to CRA.

Section IV - Applications not subject to Federal Register or newspaper notice
Type

None.




Application

Comment period
ending date

Federal Reserve Bank of Dallas
Section V - Publicly available CRA evaluations
Description of the CRA goal against which institutions are evaluated, the four performance levels, and the
institutions for which an evaluation is publicly available.

The CRA requires a periodic evaluation of each covered institution-regarding the extent to which is has
ascertained, and helped meet, the credit needs of its entire delineated commumty, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
The federal bank regulators use the following four performance levels to rate an institution's performance
under CRA:
Outstanding
Satisfactory
Needs to improve
Substantial noncompliance
RSSD
number

Examination
date

Institution/ Location

None.

Section VI - CRA examinations scheduled Fourth Q uarter of 1997
Institution

Location

Minden Bank & Trust Company
188551

401 Main Street
Minden, LA 71055

First Bank & Trust
857857

123 South Kearney
Clarendon, TX 79226

Bank of the West
1447639

500 North Mesa
El Paso, TX 79901

Bank of Livingston
1007453

1700 West Church Street
Livingston, TX 77351

United Texas Bank
726953

12222 Merit Drive
Suite 100
Dallas, TX 75251

Sanger Bank
336361

501 North Stemmons
Sanger, TX 76266

First State Bank
603755

601 College
Junction, TX 76849




CRA
public date

CRA
rating

F d r lR s r eBank ofD l a
eea eev
als
Institution

Location

Bank of Van Zandt
244055

401 East Highway 243
Canton, TX 75103

Midland American Bank
506557

401 West Texas Avenue
Suite 100
Midland, TX 79701

Texas Independent Bank
529958

350 Phelps Court
Dallas, TX 75038




FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 8/15/97
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
Richard A. and Ramona Lagomarsino, the Ramona
Lagomarsino Family Limited Partnership, Robert J. and
Norma M. Lagomarsino, and Catherine S. and Jack W.
Wood, Ventura, California, to retain their ownership of
19.06 percent of Americorp, Ventura, California. *

Newspaper:

8/28/97

Fed. Reg.:

8/20/97

John I. Bloomberg, Park City, Utah, to acquire
3.2 percent of Draper BanCorp, Draper,
Utah. *

Newspaper:

9/04/97

Fed. Reg.:

8/12/97

Section III -Applications Subject to Federal Register Only
BankAmerica Corporation, San Francisco, California, to
engage in unerwriting and dealing in debt and equity
securities and in obligations of the U.S.; acting as an
investment advisor; providing securities brokerage
services; acting as riskless principal; and acting as agent
for private placement of securities through Robertson,
Stevens & Company Group, L.L.C., and Robertson,
Stevens & Company, Inc., both of San Francisco,
California.

Fed. Reg.:

Section IV - Applications Not Subject to Federal Register Notice
or Newspaper Notice (Cont’d.)
None

* Subject to CRA.



NotYetPublished

FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 8/15/97
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.
Institution

Location

Examination Date

Guardian State Bank

142 East 200 South
4/14/97
PO Box 1947
Salt Lake City, UT 84110-1947
(801) 966-5175

Eating*
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 SAN FRANCISCO
Week ending 8/15/97
Section VI - CRA Examinations Scheduled
Pursuant to the requirements of Section 228.45 Regulation BB (Community Reinvestment Act or CRA),
the following is a tentative schedule of CRA examinations planned for the fourth quarter of 1997. The
data are being provided for your information should you wish to share comments with this Reserve Bank
regarding the CRA performance of a scheduled bank's examination.
Examinations may have to be rescheduled during the calendar quarter in which they are designated to
begin. If an institution's examination is rescheduled for a date later than the end of the date range
reflected in a published schedule, the institution's name will be republished in an appropriate later listing.
Any comments received as a result of either the first publication or subsequent publications will be
considered during the examination. Written comments should be directed to W. Gordon Smith at the
Federal Reserve Bank of San Francisco, Division of Banking Supervision and Regulation (MS 620), 101
Market Street, San Francisco, California 94105.
City
State
Name
Oregon
American Pacific Bank
Ausmsville
Bank of Casa Grande Valley Casa Grande
Arizona
Coronado
Bank of Coronado
California
Ephraim
Bank of Ephraim
Utah
Ogden
Bank of Utah
Utah
Farmers & Merchants Bank of
Lodi
Central California
California
Farmers & Merchants Bank of
Long Beach
Long Beach
California
Garfield Bank
Montebello
California
Hanmi Bank
Los Angeles
California
Harris Trust Bank of Arizona
Scottsdale
Arizona
Ireland Bank
Malad City
Idaho
Oak Valley Community Bank
Oakdale
California
Hollister
San Benito Bank
California
Security First Bank
Anaheim
California
Tehama County Bank
Red Bluff
California
Valley Community Bank
McMinville
Oregon
Verdugo Banking Company
Glendale
California




H.2A
Notice of Formations and Mergers of, and Acquisitions by, Bank Holding
Companies; Change in Bank Control
Notices Filed as of August 14,1997
The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act of
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j)), Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board of Governors, no
later than the end of the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end of this release.
The public portions of the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;
addresses are listed at the end of this release. Applications and notices also may be obtained from the
Board.
Applicant or notificant

Acquiree or activity

1867 Western Financial
Corporation (1),
Stockton, CA
CONTINUED

Capital Corp of the West,
Merced, CA, &Town&
Country Finance & Thrift
Co., Turlock, CA &
Capital West Group, Inc.,
Stockton, CA operating an
industrial loan co. (bX4);
providing credit life
insurance (bXl 1);
management consulting
(bX9); CONTINUED

4

1867 Western Financial
Corporation^),
Stockton, CA
CONTINUED

& investment & financial
advice (bX6)

4

1867 Western Financial
Corporation, Stockton,
CA

Capital Corp o f die West,
Merced, CA & County
Bank, Merced, CA

3




Section of law

Reserve Bank
San Francisco

San Francisco

San Francisco

End of comment period
August 26,1997

August 26,1997

September 2,1997

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Altus NBC Corporation,
Inc., Oklahoma City,
OK

NBC Corporation, Inc.,
Oklahoma City, OK, and
NBC Technologies, Inc.,
Oklahoma City, OK
providing data
processing services (bX14)

4

Kansas City

June 25,1997

ANB Corporation,
Terrell, TX

Lakeside Bancshares, Inc.,
Rockwall, TX & Lakeside
National Bank, Rockwall,
TX

3

Dallas

August 25, 1997

Arrendale, Thomas A.,
Ill, Gainesville, GA,
Bussey, Cynthia A.,
Atlanta, GA, and
Arrendale, Nelle,
Clarkesville, GA, as
partners in the
Arrendale Undiversified
Family Limited
Partnership,
Baldwin, GA

Habersham Bancorp,
Cornelia, GA, and
Habersham Bank,
Clarkesville, GA

CIBC

Atlanta

June 5,1997

Associated BancCotp(l), Green Bay, WI
CONTINUED

First Financial Corporation,
Stevens Point, WI,
and First Financial Bank,
FSB, Stevens Point, WI
owning and operating a
savings and loan
association (bX4);
Appraisal Services, Inc.,
Milwaukee, WI performing
appraisals of real estate &
CONTINUED

4

Chicago

August 15,1997

Associated BancCorp(2), Green Bay, WI
CONTINUED

tangible personal property
(bX2); & First Financial
Card Services Bank, N.A.,
Stevens Point, WI operating
a

4

Chicago

August 15, 1997




credit card bank (bXl) and
(2)

S c i noflaw ReserveBank
eto

End o comment p r o
f
eid

Applicant or notificant

Acquiree dr activity

Associated Banc-Corp,
Green Bay, WI

First Financial Corporation,
Stevens Point, WI,
and First Financial Bank,
FSB, Stevens
Point, WI owning &
operating a
savings and loan
association 0>X4)

4

Chicago

August 5,1997

Banco Bilbao Vizcaya,
S.A.,
Bilbao, Spain

BBV Latlnvest Securities
Inc.,
New York, NY,
securities activities (bXl),
(bX4),(bX15),and(bX16)

4

New York

March 4,1997

Bank of Elmwood
Employee Stock
Ownership Plan and
Trust, Racine, WI

Elmwood Financial
Corporation, Racine, WI,
and Bank of Elmwood,
Racine, WI

3

Chicago

August 4,1997

Bank of Idaho Holding
Company,
Idaho Falls, ID

Bank of Eastern Idaho,
Idaho Falls, ID

3

San Francisco

June 9,1997

Bank of Montreal,
Montreal, Canada;
Bankmont Financial
Coip., Chicago, IL;
Harris Bankcorp, Inc.,
Chicago, IL & Harris
Bankmont, Inc.,
Chicago, IL

Cash Station, Inc., Chicago,
IL in certaip data
processing activities,
consisting of electronic
funds transfer services
(bX14)

4

Chicago

August 28,1997

Bank of New York
Company, Inc.,
New York, NY

State Street Boston
Corporation,
Boston, MA;
State Street Bank and Trust
Company,
Boston, MA
trust, securities and data
processing activities (bX3),
(bX4),and(bX7)

3 and 4

New York

March 14,1997

Banterra Corp,
Eldorado, IL

1st Bancorp Vienna, Inc.,
Vienna,
IL, First State Bank of
Vienna, Vienna, IL

3

St. Louis

July 18,1997




Section o f law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Barnett Banks, Inc.(l),
Jacksonville, FL; BB&T
Corp., Winston-Salem,
NC; Central Fidelity
Banks, Inc., & Crestar
Financial Corp.,
Richmond, VA; First
American Corp.,
Nashville, TN; First
Citizens BancShares,
Inc., Raleigh, NC;
CONTINUED

through HONOR
Technologies, Inc.,
Maitland, FL, Monetary
Transfer System, L.L.C., St
Louis, MO, directly &
indirectly in certain data
processing & electronic
funds
transfer services (bX14)

Section of law

Reserve Bank

End of comment period

4

Richmond

September 3,1997

Barnett Banks, Inc.(2),
Jacksonville, FL; First
Union Corp., Charlotte,
NC; First Virginia
Banks, Inc., Falls
Church, VA; Jefferson
Bankshares, Inc.,
Charlottesville, VA;
NationsBank Corp.,
Charlotte, NC; Riggs
Naf1Corp.,
Washington, D.C.;
CONTINUED

4

Richmond

September 3,1997

Barnett Banks, Inc.(3),
Jacksonville, FL; Signet
Banking Corp.
Richmond, VA;
SunTrust banks, Inc.,
Atlanta, GA; Synovus
Financial Corp.,
Columbus, GA, &
Wachovia Corporation,
Winston-Salem, NC

4

Richmond

September 3,1997

Atlanta

August 15,1997

Barnett Banks, Inc.,
Jacksonville, FL




First of America BankFlorida, FSB, Tampa, FL
owning, controlling &
operating a savings
association (bX4)

4

A p i a torn t f c n
plcn
oilat

Acquireeora t v t
ciiy

BB&T Corporation(A),
Winston-Salem, NC
CONTINUED

Craigie Incorporated,
Richmond, VA in
underwriting & dealing in,
to a limited extent, all types
of debt & equity
securities, other than
interests in open end
investment companies;
underwriting & dealing in
bank-eligible securities,
(b)(8);
CONTINUED

4

Richmond

August 20, 1997

BB&T Corporation(B),
Winston-Salem, NC
CONTINUED

providing securities
brokerage services on either
a stand-alone or full-service
basis (b)(7); acting as agent
for issuers & holders in the
private placement of
various types of securities
with financially
sophisticated counterparties
in a
CONTINUED

4

Richmond

August 20, 1997

BB&T Corporation(C),
Winston-Salem, NC
CONTINUED

non-public offering (b)(7);
buying & selling on the
order of investors as a
riskless principal (b)(7);
making, acquiring or
servicing loans or other
extensions of credit,
including purchasing &
selling such loans &
extensions of credit in the
CONTINUED

4

Richmond

August 20, 1997

BB&T Corporation(D),
Winston-Salem, NC
CONTINUED

secondary market, &
engaging in mortgage
banking activities (b)(1);
acting as an investment or
financial advisor to the
extent of serving as the
advisory company for a
mortgage or real estate
investment trust; serving as
an investment
CONTINUED

4

Richmond

August2 , 1 9
0 97




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeo a t v t
r ciiy

BB&T Corporation(E),
Winston-Salem, NC
CONTINUED

adviser to an investment
company registered under
the 1940 Act, including
sponsoring, organizaing &
managing a closed-end
investment company;
providing portfolio
investment advice;
furnishing general
economic information &
advice, general
CONTINUED

4

Richmond

August 20,1997

BB&T Corporation(F),
Winston-Salem, NC
CONTINUED

economic statistical
forecasting services &
industry studies; &/or
providing financial advice
to state & local
governments, such as
w/respect to the issuance of
their securities (b)(6);
providing advice & acting
as arranger in connection
CONTINUED

4

Richmond

August 20, 1997

BB&T Corporation(G),
Winston-Salem, NC
CONTINUED

w/merger, acquisition,
divestiture & financial
transactions, including
public & private financings,
loan syndications, interest
rate & currency swaps,
interest rate caps & similar
transactions &/or furnishing
evaluation & fairness
opinions in
CONTINUED

4

Richmond

August 20,1997

BB&T Corporation(H),
Winston-Salem, NC
CONTINUED

connection w/merger,
acquisition, & similar
transactions (b)(6) & (b)(7);
acting as agent or broker
w/respect to interests in
loan sundications, interest
rate & currency swaps,
interest rate caps, floors &
collars, & options on such
CONTINUED

4

Richmond

August20,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeo a t v t
r ciiy

BB&T Corporation(I),
Winston-Salem, NC
CONTINUED

instruments (b)(7); leasing
personal or real property or
acting as agent, broker or
adviser in leasing such
property (b)(3); providing
management consulting
advice to non-affiliated
depository institution
(b)(9); engaging in futures,
forward &
CONTINUED

4

Richmond

August 20,1997

BB&T Corporation(J),
Winston-Salem, NC
CONTINUED

option contracts on bankeligible securities for
hedging purposes (b)(8);
engaging in securities credit
activities (Reg. T),
including acting as a
conduit or imermediary in
securities borrowing &
lending (b)(7); & serving as
the general partner
CONTINUED

4

Richmond

August 20, 1997

BB&T Corporation(K),
Winston-Salem, NC
CONTINUED

of & holding equity
interests in certain limited
partnerships that would be
exempt from registration
under the 1940 Act.

4

Richmond

August 20,1997

BB&T Corporation,
Winston-Salem, NC

Virginia First Financial
Corporation, Petersburg,
VA, and Virginia Savings
Bank, F.S.B., Petersburg,
VA mortgage banking &
operating a savings & loan
association (b)(1) and (4)

4

Richmond

August 18,1997

Big Lake Financial
Corporation,
Okeechobee, FL

CNB Financial Corporation,
Clewiston, FL, and
Clewiston National Bank,
Clewiston, FL

3

Atlanta

August 18,1997

Biggs, Daniel Biggs;
Grimes, Merlin; ED&J,
Inc., c/o David Marmie;
Carr, Ronald and Call,
Dennis; and Southard,
R. Joe, all of Great
Bend, KS

First Wakeeney Agency,
Inc., Wakeeney, KS, and
Interstate Bank, Great
Bend, KS

CIBC

Kansas City

July 3, 1997




S c i no law . e e v Bank
eto f
Rsre

End o comment p r o
f
eid

Applicant or notificant

Acquiree or activity

Bloomberg, John Isaac,
Park City, UT

Draper BanCorp, Draper,
UT and Draper Bank &
Trust, Draper, UT

CIBC

San Francisco

August 12,1997

Bloomer Bancshares,
Inc., Bloomer, WI

Peoples State Bank,
Bloomer, WI

3

Minneapolis

September 5,1997

Bryan Family
Management Trust,
Bryan, TX, and BryanHeritage Limited
Partnership, Bryan, TX

Bryan-Heritage Limited
Partnership, Bryan, TX, and
The First National Bank of
Bryan, Bryan, TX

3

Dallas

July 21, 1997

C B & T, Inc.,
McMinnville, TN

CBT Insurance, Inc.,
Smithville, TN in insurance
activities, (b)(l 1)

4

Atlanta

August 20, 1997

Cabot Bankshares, Inc.,
Cabot, AR

The Capital Bank, Little
Rock, AR

3

St. Louis

August 11, 1997

Cabot Bankshares, Inc.,
Cabot, AR

The Capital Bank, Cabot,
AR

3

St. Louis

July 11, 1997

Cabot Bankshares, Inc.,
Cabot, AR
CORRECTION

The Capital Bank, Little
Rock, AR

3

St. Louis

July 11,1997

Caisse Nationale de
Credit Agricole Paris,
France

Credit Agricole Indosuez,
Paris, France, and Indosuez
Investment Management
Services, Inc.,
Menlo Park, CA investment
management and advisory
services (b)(6)

4

Chicago

July 25,1997

Canadian Imperial Bank
of Commerce(l),
Toronto, Canada
CONTINUED

CIBC Wood Gundy
Securities Corp. ("CIBC
Wood Gundy”), New York,
NY, all the outstanding
shares of Oppenheimer
Holdings, Inc., New York,
NY, & its subsidiaries,
including
Oppenheimer & Co., Inc.,
New York, NY in
underwriting &
CONTINUED

4

New York

August 28, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Canadian Imperial Bank
of Commerce(3),
Toronto, CA
CONTINUED

in activities related to
extending credit (bX2); in
providing financial &
investment advisory
services (bX6); in providing
securities brokerage,
riskless principal, private
placement, futures
commission merchant &
other agency transactional
CONTINUED

4

New York

August 28,1997

Canidian Imperial Bank
of Commerce(2),
Toronto, Canada
CONTINUED

dealing to a lim ited extent
in all types o f equity & debt
securities that a state
member bank may not
underwrite and deal in,
except ownership interests
in open-end investment
companies;in making loans
or other extensions o f credit
(bXD;

4

New York

August 28,1997

Canidian Imperial Bank
of Commerce(4),
Toronto, Canada
CONTINUED

services (bX7); in
underwriting & dealing in
government obligations &
money market instruments,
providing investments &
trading services & buying
& selling bullion & reahed
activities (bX8)

4

New York

August 28, 1997

Carolina First
Corporation, Greenville,
SC

First Southeast Financial
Corporation, Anderson, SC
& First Federal Savings &
Loan Association of
Anderson, Anderson, SC in
operating a savings & loan
association (bX4Xii)

4

Richmond

September 3,1997

Cates, Joe Lecil and
Cates, Roger Kevin,
both of Leedy, OK

Western Oklahoma
Bancshares, Inc., Elk City,
OK, and Bank o f Western
Oklahoma, Elk City, OK

CIBC

Kansas City

August 11,1997

Section of law

Reserve Bank

End o f comment period

CONTINUED




A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Central Illinois Bancorp,
Sidney, IL

First Ozaukee Capital
Corporation,
Cedarburg, WI, and
First Ozaukee Savings
Bank,
Cedarburg, WI

3

Chicago

June 26, 1997

Century Bancorp, MHC,
Bridgeton, NJ;
and Century Bancorp,
Inc.,
Bridgeton, NJ

Century Savings Bank,
Bridgeton, NJ

3

Philadelphia

May 1, 1997

Century South Banks,
Inc., Dahlonega, GA

Bank Corporation of
Georgia, Macon, GA, and
First South Banks, N.A.,
Macon,
GA, and AmeriBank, N.A.,
Savannah, GA

3

Atlanta

July 18, 1997

Chaparral Bancshares,
Inc., Richardson, TX,
and
Chaparral Delaware
Bancshares, Inc., Dover,
DE

Van Alstyne Financial
Corporation, Van Alstyne,
TX, and First National
Bank of Van Alstyne, Van
Alstyne, TX

3

Dallas

August 8, 1997

Citizens Bancshares
Company, Chillicothe,
MO

John Birchfield and Debbie
Keele, the purchase and
servicing of
accounts receivable (bXl)

4

Kansas City

July 30,1997

Citizens Bancshares of
Woodville, Inc.,
Woodville, WI

Investors bancorporation,
Inc., Hudson, WI & Bank
St. Croix, Roberts, WI

3

Minneapolis

August 25, 1997

Citizens National Bank
ofWaxahachie
Employee Stock
Ownership Plan,
Waxahachie, TX

First Citizens Bancshares,
Inc. Waxahachie, TX &
Citizens National Bank,
Waxahachie, TX

CIBC

Dallas

September 3, 1997

Citizens National
Corporation, Paintsville,
KY

Josephine Bancshares, Inc.,
Prestonburg, KY, and The
Bank Josephine,
Prestonburg, KY

3

Cleveland

July 28,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
eilat

Acquireeora t v t
ciiy

Comerzbank AG,
Frankfurt am Main,
Germany

CAM Acquisition, LLC,
Wilmington, DE
Montgomery Asset
Mangement, L.P.,
Montgomery Services,
LLC,
all of San Francisco, CA,
securities activities (bX7X0
and (iii); financial &
Investment advisory
services (bX6);
administrative services

4

New York

May 14,1997

Commerce Bancshares,
Inc., Kansas City, MO,
and CBI-Kansas Inc.,
Kansas City, MO

CNB Bancorp, Inc.,
Independence,
KS, and Citizens National
Bank,
Independence, KS

3

Kansas City

August 8,1997

Commercial
Bancshares, Inc.,
Texarkana, AR

Citizens State
Bank, Hempstead, TX

3

S t Louis

July 29, 1997

Community Bancshares,
Inc., Butler, MO

Citizens Bank, Appleton
City, MO

3

Kansas City

July 31,1997

Community Bancshares,
Inc., Denver, CO

Upper Rio Grande Bank
Corporation, Del Norte,
CO, and Rio Grande
County Bank, Del Norte,
CO

3

Kansas City

July 28,1997

Community Financial
Corp., Olney, IL

MidAmerica Bank of S t
Clair County, O'Fallon, IL

3

S t Louis

September 12,1997

Community Holding
Company, Inez, KY

The First National Bank of
Louisa, Louisa, KY, into a
federal-charted stock
savings bank, Inez Deposit
Bank, F.S.B., Inez, KY
savings & loan activities
(bX4)

4

Cleveland

August 26, 1997

Community National
Bancorporation,
Waterloo, LA

Community National Bank
(in organization),
Waterloo, IA

3

Chicago

July 29,1997




S c i no law .
eto f
ReserveBank

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A.(1), Rabobank
Nederland, Utrecht, The
Netherlands
CONTINUED

Smith Graham & Co. Asset
Managers L.P., Houston,
TX, & SGR Global
Advisers, Houston, TX, &
Robeco Institutional Asset
Management US, Inc.,
Houston, TX, & AEA
Global Advisors LLC, New
York, NY, & Robeco
Group, N.V., Rotterdam
CONTINUED

4

New York

July 10,1997

Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A.(2), Rabobank
Nederland, Utrecht, The
Netherlands
CONTINUED

Smith Graham & Co. Asset
Managers L.P., and SGR
Global Advisors, and
Robeco Institutional Asset
Management US, Inc., and
AEA Global Advisors,
LLC, and Smith Graham &
Co. Asset Managers L.P.,
and SGR Global Advisers,
CONTINUED

4

New York

July 10,1997

Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A.(3), Rabobank
Nederland, Utrecht, the
Netherlands
CONTINUED

Robeco Institutional Asset
Management US, Inc., and
AEA Global Advisors LLC,
in investment (bX6), as a
general partner to and
providing administrative
services to investment
partnerships, including
placing interests in such
partnerships, CONTINUED

4

New York

July 10,1997

Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A.(4), Rabobank
Nederland, Utrecht, the
Netherlands
CONTINUED

in acting as a commodity
pool operator, and in
providing administrative
services to open-end
investment companies

4

New York.

July 10,1997




Section of law

Reserve Bank

End of comment period

A p i a to n t f c n
p l c n r oiiat

Acquireeora t v t
ciiy

Corley, John William,
(1)
Monticello, IL
CONTINUED

First State Bancorp of
Monticello, Inc.,
Monticello, IL
State Bank of Hammond,
Hammond, IL; First State
Bank of Monticello,
Monticello, IL; First State
Bank of Bloomington,
Bloomington, IL; First State
Bank of Heyworth,
Heyworth, IL;
CONTINUED

CIBC

Chicago

May 16,1997

Corley, John William,
(2)
Monticelli, IL
CONTINUED

First State Bank of Atwood,
Atwood, IL

CIBC

Chicago

May 16,1997

Cox, Walter L., Sr.,
Naples, TX

Morris County Bankshares,
Incorporated,
Naples, TX;
Morris County National
Bank,
Naples, TX

CIBC

Dallas

April 30,1997

Crestar Financial
Corporation, Richmond,
VA

American Nat'l Bancorp,
Inc., & American Nat'l
Savings Bank, F.S.B.,
Baltimore, MD acting as
agent in the sale of mutual
funds (b)(7); in the sale of
home mortgage redemption
insurance (b)(l l)(i); and in
the sale of annuities
(b)(i i)(vii)

4

Richmond

August 15, 1997

Crestar Financial
Corporation, Richmond,
VA

American National
Bancorp, Inc., Baltimore,
MD,
and American National
Savings Bank,
F.S.B., Baltimore, MD
operating a
savings and loan
association (b)(4)

4

Richmond

August 15, 1997

Cross County Bank
Employee Stock
Ownership Plan,
Wynne, AR

Cross County Bancshares,
Inc., Wynne, AR, and
Cross County Bank,
Wynne, AR

CIBC

St. Louis

August 4,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeo a t v t
r ciiy

Dean Financial
Services, Inc., St. Paul,
MN

The First National
Corporation of Aitkin, Inc.,
& Die First National Bank
of Aitkin, Aitkin, MN; MidContinent Financial
Services, Inc.,
Bloomington, MN, & State
Bank of Edgerton,
Edgerton, MN; & The First
State Bank of Eden Prairie,
Eden Prairie, MN

3

Minneapolis

August 15,1997

Deposit Guaranty Corp.,
Jackson, MS

CSF Acquisition Corp.,
Jackson,
MS; CitiSave Financial
Corporation, Baton
Rouge, LA; Citizens
Savings Association, F.A.,
Baton Rouge, LA operating
a savings association (b)(4)

4

Atlanta

July 3, 1997

Deutsche Bank, AG
(Main)
Federal Republic of
Germany

Ganis Credit Corporation,
Newport Beach, CA,
lending (b)(1)

4

New York

May 12,1997

ECSB Holding
Company, Inc.,
Fort Walton Beach, FL

American National
Financial Corporation,
Panama City, FL and
First National Bank
Northwest Florida,
Panama City, FL

3

Atlanta

June 27,1997

Edison Bancshares, Fort
Myers, FL

Edison
National Bank (in
organization), Fort Myers,
FL

3

Atlanta

August 1, 1997

Emprise Financial
Corporation, Wichita,
KS

Mid Continent Bancshares,
Inc., El Dorado, KS, & Mid
Continent Federal Savings
& Loan Association, El
Dorado, KS operating a
savings association (b)(4)

4

Kansas City

September 2, 1997

Estrin Associates,
L.L.C. and Estrin
Family Limited
Partnership, Bethesda,
MD

Estrin Associates, L.L.C. &
Estrin Family Limited
Partnership Tl, Bethesda,
MD

CIBC

Richmond

July 15, 1997




S c i no law ' e e v Bank
eto f
Rsre

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeo a t v t
r ciiy

F.N.B. Corporation,
Hermitage, PA

Indian Rocks State Bank,
Largo, FL

3

Cleveland

September 2,1997

F.N.B. Corporation,
Hermitage, PA

Sun Bancorp, Inc.,
Selinsgrove, PA & Sun
Bank, Selinsgrove, PA, &
Pennsylvania Sun Life
Insurance Company,
Phoenix, AZ providing
credit life &
disability insurance
exclusively to customers of
Sim Bank, Sun Bancorp,
Inc.'s bank subsidiary
(b)(ll)

3 and 4

Cleveland

August 7,1997

Fifth Third Bancorp,
Cincinnati, OH

Suburban Bancorporation,
Inc.,
Cincinnati, OH,
Suburban Federal Savings
Bank,
Cincinnati, OH

4

Cleveland

May 27,1997

First Fairland
Banshares, Inc.,
Fairland, OK

Fairland Holding Company,
Inc., Neosho,
MO

3

Kansas City

August 1, 1997

First Financial
Caribbean Corporation,
San Juan, Puerto Rico

Doral Bank, San Juan,
Puerto Rico, and Doral
Mortgage Corporation,
Hato Rey, Puerto Rico
making, acquiring, or
servicing mortgage loans
(b)(1)

3 and 4

New York

First Midwest Bancorp,
Inc., Itasca, IL

SparBank, Incorporated,
McHenry, IL, and McHenry
State Bank, McHenry, IL

3

Chicago

July 21, 1997

First National
Bancshares of Gallatin,
Inc.,
Gallatin, MO

Interim First National Bank
of Gallatin,
Gallatin, MO,
First National Bank of
Gallatin,
Gallatin, MO

3

Kansas City

June 27, 1997




S c i no law ' e e v Bank
eto f
Rsre

End o comment p r o
f
eid

August 18,1997
•

A p i a torn t f c n
plcn
oiiat

Acquireeo a t v t
r ciiy

First National
Bancshares, Inc., East
Lansing, MI

Finance Company of North
America, LLC, East
Lansing, MI in making and
servicing loans (b)(1)

4

Chicago

August 17,1997

First National Bank
Shares, LTD., Great
Bend,
KS

BankWest (a
de novo bank), Castle Rock,
CO

3

Kansas City

July 25,1997

First National of
Nebraska, Inc., Omaha,
NE, & its subsidiary
First National of
Colorado, Inc., Fort
Collins, CO

Platte Valley National
Bank, Grand Island, NE &
First National of Nebraska,
Lincoln, NE

3

Dallas

August 25, 1997

First State Bancorp of
Monticello, Inc.,
Employee Stock
Ownership Plan(l),
Monticello, IL
CONTINUED

First State Bancorp of
Monticello, Inc.,
Monticello, IL & State
Bank of Hammond,
Hammond, IL; First State
Bank of Monticello,
Monticello, IL; First State
Bank of Bloomington,
Bloomington, IL; First State
Bank of Heyworth,
Heyworth, IL
CONTINUED

3

Chicago

September 12,1997

S c i no law ReserveBank
eto f

End o comment p r o
f
eid

•

First State Bancorp of
Monticello, Inc.,
Employee Stock
Ownership Plan(2),
Monticello, IL
CONTINUED

& First State Bank of
Atwood, Atwood, IL

3

Chicago

September 12,1997

First State Bancshares,
Inc., Farmington, MO

Perry County Financial
Corporation, Perryville,
MO, and
Perry County Savings
Bank, FSB,
Perryville, MO operating a
savings
association (b)(4)

4

St. Louis

August 1, 1997

First State Bancshares,
Inc., Ida Grove, LA

First State Bank, Ida Grove,
IA

3

Chicago

August 15, 1997




A p i a to n t f c n
p l c n r oilat

Acquireeora t v t
ciiy

Firstbank of Illinois Co.,
Springfield, IL

Geneva Capital
Corporation, Springfield,
IL serving as a broker in IL,
IN & St. Louis, MO for
mortgage loans to
companies engaged in
operating incomeproducing commercial real
estate & in extending credit
& servicing loans (bXl)

4

Chicago

August 26,1997

Florida Bancshares, Inc.,
Dade City, FL

First National Bank of
Pasco,
Dade City, FL

3

Atlanta

April 21, 1997

FSB Bancorp, MHC &
FSB Bancorp, both of
Farmington, ME
CORRECTION

Franklin Savings Bank,
Farmington, MN

CIBC

Boston

August 28, 1997

FSB Bancorp, MHC,
and FSB Bancorp, both
of Farmington, ME

Franklin Savings Bank,
Farmington, ME

3

Boston

August 28, 1997

Gage, W. Allen,
Houston, TX

First Bancshares of Texas,
Inc., Houston, TX & First
Bank of Texas, Tomball, TX

CIBC

Dallas

August 28, 1997

Gideon Bancshares
Company,
Dexter, MO

First Midwest Bank of
Chaffee,
Chaffee, MO

3

St. Louis

June 20,1997

Gold Banc Corporation,
Inc., Leawood, KS

Farmers Bancshares of
Oberlin, Inc., Oberlin, KS,
and Farmers National Bank,
Oberlin, KS

3

Kansas City

August 21, 1997

Greenblatt, Leon A., Ill,
and Chiplease, Inc.,
both of Chicago, IL

Home Financial Bancorp,
Spencer, IN, and Owen
Community Bank, S.B.,
Spencer, IN

CIBC

Chicago

July 9, 1997

Greer, Elmo,
East Bemstadt, KY

Cumberland Valley
Financial Company,
London, KY

CIBC

Cleveland

May 23,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Grell, Steven; Bovee
Investment Trust,
Bovee, Michael R.,
Trustee; Tamisiea,
Bruce; Nystrom, Bruce;
Grave, Gary; Cotton,
John M.; & Hultgren,
David M.; all of
Spencer, IA, acting in
concert

Albert City Bankshares,
Inc., Albert City, IA &
Albert City Savings Bank,
Albert City, IA & The
Citizens State Bank,
Marathon, IA

CIBC

Chicago

August 29,1997

Hardin County
Bancshares, Inc.,
Savannah, TN

Majors Insurance Agency,
Inc.,
Adamsville, TN general
insurance agency activities
in a town of less than 5,000
(b)(ll)

4

St. Louis

August 26,1997

Harris Financial MHC,
Harrisburg, PA

Harris Financial Inc.,
Harrisburg, PA;
Harris Savings Bank,
Harrisburg, PA

3

Philadelphia

March 27,1997

Hatch, Gordon M.,
Portales, NM

Portales National
Bancshares, Inc., Portales,
NM, and Portales National
Bank, Portales, NM

CIBC

Dallas

August 8,1997

Heartland Bancshares,
Inc., Franklin, IN

Heartland Community
Bank, Franklin, IN

3

Chicago

September 12,1997

Hibernia Corporation,
New Orleans, LA

Unicorp Bancshares-Texas
Inc., Orange, TX, and
OrangeBank, Orange, TX

3

Atlanta

August 11,1997

Hometown Independent
Bancorp, Inc., Morton,
IL

Morton Community Bank,
Morton,
IL

3

Chicago

August 15, J997

Horizon Bancorp, Inc.,
Beckley, WV

Beckley Bancorp, Inc.,
Beckley, WV, and
Beckley Federal Savings
Bank, Beckley,
WV operating a savings and
loan
association (b)(4)

4

Richmond

August 14,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

A quireeo a t v t
c
r ciiy

Huntington Bancshares
Incorporate^ 1),
Columbus, OH
CONTINUED

First Michigan
Bancorporation, and
Superior Financial Corp.,
Holland, MI; FMB-Sault
Bank, Saulte Ste. Marie, MI;
FMB-First Michigan Bank,
Zeeland, MI; FMB-First
Michigan
Bank, Grand Rapids, MI;
FMB-Lumberman’s Bank,
Muskegon, MI;
CONTINUED

3 and 4

Cleveland

July 18,1997

Huntington Bancshares
Incorporated^),
Columbus, OH
CONTINUED

FMB-Northwestem Bank,
Boyne City, MI; FMB-State
Savings Bank, Lowell, MI;
FMB-Commercial Bank,
Greenville, MI; FMBSecurity Bank, Manistee,
MI; FMB-Community
Bank, Dowagiac, MI; FMBOceana Bank, Hart, MI;
CONTINUED

3 and 4

Cleveland

July 18, 1997

Huntington Bancshares
Incorporated(3),
Columbus, OH
CONTINUED

FMB-Reed City Bank, Reed
City, MI; FMB-Maynard
Allen Bank, Portland, MI;
FMB-Old State Bank,
Fremont, MI; FMB-Arcadia
Bank, Kalamazoo, MI; and
FMB-Trust, Holland, MI
trust company activities
(b)(5); FMB-Brokerage
Services, Inc., Holland, MI
CONTINUED

3 and 4

Cleveland

July 18, 1997

Huntington Bancshares
Incorporated(4),
Columbus, OH
CONTINUED

customer investments
(b)(7); and First Michigan
Life Insurance Co.,
Holland, MI insurance
agency underwriting
(b)(ll);

3 and 4

Cleveland

July 18,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Huntington Bancshares,
Inc.(A), Columbus, OH,
Huntington Capital
Corp.,
Columbus, OH
CONTINUED

underwriting & dealing to a
limited extent in all types of
debt securities, including
corporate debt, sovereign
debt securities, mortgage
revenue bonds, mortgagebacked and consumerreceivable securities J.P.
Morgan & Co.
CONTINUED

4

Cleveland

June 17,1997

Huntington Bancshares,
Inc.(B),
Columbus, OH
CONTINUED

The Chase Manhattan
Corp., Bankers Trust New
York Corp., Citicorp and
Security Pacific Corp. (75.
Fed. Res. Bull. 192 (1989)
CONTINUED

4

Cleveland

June 17,1997

Industrial Bank of
Japan, Ltd.,
Tokyo, Japan

Aubrey G. Lanston & Co.,
Inc.,
New York, NY, securities
activities (b)(7); data
processing (b)(14);
financial & investment
activities (b)(6); and
underwriting (b)(8)

4

New York

May 12,1997

Intra Financial
Corporation,
Clyde, KS

Peoples Bancorp of
Belleville, Inc.,
Belleville, KS, and
Peoples Bank of Belleville,
Belleville, KS

3

Kansas City

June 20,1997

Jackson Boulevard
Fund, Ltd., Chicago, IL

Damen Financial
Corporation, Schaumburg,
IL, Damen National Bank,
Schaumburg, IL

CIBC

Chicago

August 1, 1997

Jackson Boulevard
Fund, Ltd.; Jackson
Boulevard Equities, L.P.
& Paul J. Duggan, all of
Chipago, IL

Damen Financial
Corporation, Schaumburg,
IL & Damen National
Bank, Schaumburg, IL

CIBC

Chicago

September3,1997

Jacobsen, Sam J.,
Middleton, WI

First Business Bancshares,
Madison, WI & First
Business Bank, Madison,
WI

CIBC

Chicago

August 28,1997




S c i no law ReserveBank
eto f

End ofcomment p r o
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Jasper Banking
Company Second
Amended and Restated
Employee Stock
Ownership Stock Bonus
Plan (ESOP), Jasper, GA

JBC Bancshares, Inc.,
Jasper, GA

CIBC

Atlanta

August 12,1997

Kazi, Zubair and Khatija,
Studio City, CA;
and Abdul-Rahman,
Yahia and Magda,
Pasadena, CA

Greater Pacific Bancshares,
Whittier, CA;
Bank of Whittier, N.A.,
Whittier, CA

CIBC

San Francisco

May 5,1997

Kazi, Zubair and Khatija,
Studio City, CA;
and Yahia and Magda
Abdul-Rahman,
Pasadena, CA

Kentucky Home Bank,
Bardstown, KY

3

San Francisco

April 17,1997

Keene Bancorp
Employee Stock
Ownership Plan &
Trust, Keene, TX

Keene Bancorp, Inc.,
Keene, TX & First State
Bank, Keene, TX

3

Dallas

September 2,1997

KeyCorp(l), Cleveland,
OH
CONTINUED

Key Capital Markets, Inc.,
Cleveland, OH underwriting
& dealing in all types of
debt and equity securities
(other
than ownership interests in
open-end investment
companies) J.P. Moran &
Co., Inc., The Chase
Manhattan Corp.,
CONTINUED

4

Cleveland

August 1,1997

KeyCorp(l), Cleveland,
OH
CONTINUED

Key Capital Markets, Inc.,
Cleveland, OH, in
underwriting & dealing in,
to a limited extent, all types
of debt & equity securities
(other than ownership
interests in open-end
investment companies) J.P.
Morgan & Co., Inc., et al,
CONTINUED

4

Cleveland

August 11,1997




S c i no law ReserveBank
eto f

End ofcomment p r o
eid

A p i a torn t f c n
plcn
oifat

Acquireeora t v t
ciiy

KeyCorp(2), Cleveland,
OH
CONTINUED

Bankers Trust New York
Corp., Citicorp and Security
Pacific Corp., 75 Fed. Res.
Bull. 192 (1989); providing
certain financial &
investment advisory
services, providing certain
agency transactional
services for customer
investments
CONTINUED

4

Cleveland

August 1,1997

KeyCorp(2), Cleveland,
OH
CONTINUED

75 Fed. Res. Bull. 192
(1989); financial &
investment advisory
activities (bX6); agency
transactional services for
customer investments
(bX7); and investment
transactions as principal
<bX»)

4

Cleveland

August 11, 1997

KeyCorp(3), Cleveland,
OH

& engaging in certain
investment transactions &
principal (bX6), (7) & (8)

4

Cleveland

August 1, 1997

Keystone Financial,
Inc., Harrisburg, PA

MMC & P, Inc., Pittsburgh,
PA employee benfits
consulting services (bX9)

4

Philadelphia

July 29, 1997

Lagomarsino, Richard
A, and Robert J.,
both of Ventura, CA, &
Wood, Catherine S.,
Carpinteria,
CA; acting in concert

Americorp, Ventura, CA,
and American Commercial
Bank, Ventura, CA

CIBC

San Francisco

August 6, 1997

Lagomarsino, Richard
A.; Lagomarsino,
Ramona; Ramona
Lagomarsino Family
Limited Partnership;
Lagomarsino, Robert 1.,
all of Ventura, CA; &
Lagomarsino, Norma
M; Wood, Catherine S.;
& Wood, Jack W.;
acting in concert, all of
Carpinteria, CA

Americorp, Ventura, CA,
and American Commerical
Bank, Ventura CA

ClBC

San Francisco

August 20, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeo a t v t
r ciiy

Lashute, Ronald J.,
Opelousas, LA

American Bancorp, Inc.,
Opelousas, LA
and American Bank &
Trust Company,
Opelousas, LA

CIBC

Atlanta

May 23,1997

Leake Family
Partnership, L.P.,
Jackson,
MS

Citizens Capital
Corporation, Magee, MS,
and
Citizens State Bank, Magee,
MS

CIBC

Atlanta

July 23,1997

Lexington B & L
Financial Corp.,
Lexington,
MO

Lafayette Bancshares, Inc.,
Lexington, MO, and
Lafayette
County Bank of
Lexington/Wellington,
Lexington, MO; and B & L
Bank, Lexington, MO
operating a savings
association (b)(4)

3 and 4

Kansas City

August 4, 1997

Lloyds TSB Group
PLC, and Lloyds Bank
PLC,
both of London, England

LAI Holdings Inc.,
Investment Advisers, Inc.,
Minneapolis, MN, trust
services (bX3); investment
advisory services (b)(4);
full-service brokerage
(b)(15); foreign exchange
execution & advisory
services, and other advisory
& administrative services

4

New York

March 26,1997

Locke, E. David,
McFarland, WI

Northern Bancshares, Inc.,
McFarland, WI &
McFarland State Bank,
McFarland, WI

CIBC

Chicago

August 29,1997

Mahaska Investment
Company, Oskaloosa, IA

Pella State Bank, Pella, LA

3

Chicago

September 12,1997

Maries County Bancorp,
Inc., Vienna, MO

Progress Bancshares, Inc.,
Sullivan, MO, and Progress
Bank of Sullivan, Sullivan,
MO, a de novo bank

3

St. Louis

August 15,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

Applicant or notificant

Acquiree or activity

Marshall & Ilsey
Corporation,
Milwaukee, WI

Security Capital
Corporation,
Milwaukee, WI,
Security Bank, S.S.B.,
Milwaukee, WI

3

Chicago

May 5,1997

Maypearl Bancshares,
Inc., Maypearl, TX, and
Maypearl Holdings,
Inc., Wilmington, DE

First State Bank, Maypearl,
TX

3

Dallas

August 7,1997

McConachie, Kirk F.,
and Patricia A.,
Andover, KS

Andover Financial
Corporation, Andover, KS
& The Andover State Bank,
Andover, KS

CIBC

Kansas City

August 22,1997

McGlasson, Harold
Edwin, McGlasson,
Karen Jane Veilon,
and Voorhies & Labbe
Profit Sharing Plan, all
of Lafayette,
LA

Tri-Parish Bancshares, Ltd.,
Eunice, LA, and Tri-Parish
Bank, Eunice, LA

CIBC

Atlanta

August 1,1997

MidCity Financial
Corporation, Chicago, IL

Abrams Centre Bancshares,
Inc., Dallas, TX, and
Abrams Centre National
Bank, Dallas, TX

3

Chicago

August 28,1997

Middleburg Bancorp,
Inc., Middleburg, KY

Lincoln Federal Savings
Bank, Liberty, KY in the
operation of a federal
savings bank (bX4)

4

S t Louis

July 24,1997

Midwest Community
Bancshares, Inc.,
Marion, IL

The Bank of Marion,
Marion, IL

3

S t Louis

September 2,1997

Moody Bancshares,
Inc., Galveston, TX, and
Moody Bank Holding
Company, Reno, NV

The Bank of Galveston,
N.A.,
Galveston, TX

3

Dallas

June 30,1997

Moyer, George H., Jr.,
Madison, NE, and
Moyer, Jon M.,
Madison, NE

Madison Bancshares, Inc.,
Madison, NE, and The
Bank of Madison, Madison,
NE

CIBC

Kansas City

June 26,1997




Section of law

Reserve Bank

End of comment period

A p i a to n t f c n
p l c n r oilat

Acquiree o a t v t
r ciiy

Murfreesboro Bancorp,
Inc., Murfreesboro, TN

Bank of Murfreesboro,
Murfreesboro, TN

3

Atlanta

July 18, 1997

National City
Bancshares, Inc.,
Evansville, IN

Bridgeport Bancorp, Inc.,
Bridgeport, IL, and First
National Bank of
Bridgeport, Bridgeport, IL

3

St. Louis

June 6, 1997

NationsBank
Corporation(l),
Charlotte, NC
CONTINUED

Montgomery Securities,
Inc., & The Pyramid
Company,
San Francisco, CA
underwriting &
dealing in, to a limited
extent, all types of debt &
equity
securities other than
interests in open end
investment companies
CONTINUED

4

Richmond

August 6, 1997

NationsBank
Corporation^),
Charlotte, NC
CONTINUED

(See J.P. Morgan & Co.,
Inc., The Chase Manhattan
Corp.,
Bankers Trust New York
Corp., Citicorp, & Security
Pacific
Corp., 75 Fed. Res. Bull.
192 (1989)); in
underwriting & dealing in
obligations of the United
States, general
CONTINUED

4

Richmond

August 6, 1997

NationsBank
Corporation^),
Charlotte, NC
CONTINUED

of states and their political
subdivisions, and other
obligations that state
member banks of the
Federal Reserve System
may be authorized to
underwrite and deal in
under 12 U.S.C. 24 & 335
(b)(8); in acting as
investment or
CONTINUED

4

Richmond

August 6, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquiree o a t v t
r ciiy

NationsBank
Corporation^),
Charlotte, NC
CONTINUED

financial advisor (b)(6); in
providing securities
brokerage
services (including
securities clearing &
securities execution
services on an exchange),
alone & in combination with
investment advisory
services, & incidental
activities
CONTINUED

4

Richmond

August 6,1997

NationsBank
Corporation^),
Charlotte, NC
CONTINUED

(including related securities
credit activities & custodial
services) (b)(7); in buying
& selling in the secondary
market all types of
securities on the order of
customers as a riskless
principal to
CONTINUED

4

Richmond

August 6, 1997

NationsBank
Corporation^),
Charlotte, NC
CONTINUED

the extent of engaging in a
transaction in which the
company, after receiving an
order to buy (or sell) a
security from a customer,
purchases (or sells) the
security for its own account
to offset a contemporaneous
sale to (or purchase
CONTINUED

4

Richmond

August 6,1997

NationsBank
Corporation^),
Charlotte, NC
CONTINUED

from) the customer (b)(7);
in acting as agent for the
private placement of
securities (b)(7)

4

Richmond

August 6, 1997

New Broadway, Inc.,
San Antonio, TX

Broadway Bancshares, Inc.,
San Antonio, TX &
Broadway Bancshares of
Delaware, Inc.,
Wilmington, DE; Broadway
National Bank, San
Antonio, TX & Eisenhower
National Bank, San
Antonio, TX

3

Dallas

September 4, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

S c i no law - e e v Bank
eto f
Rsre

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeo a t v t
r ciiy

New Prague
Bancshares, Inc., New
Prague, MN

Community Security Bank,
New Prague, MN,
a de novo bank

3

Minneapolis

July 7,1997

Nichols Bancshares,
Inc., Kenedy, TX &
J.M. Nichols, Inc.,
Dover, DE

First-Nichols National Bank
of Kenedy, Kenedy, TX

3

Dallas

September 2,1997

Northside Banking
Corporation, Tampa, FL

Northside Bank of Tampa,
Tampa, FL

3

Atlanta

August 29, 1997

Northwest Suburban
Bancorp., Inc. (in
formation),
Arlington Heights, IL

Mount Prospect
National Bank (in
organization), Mount
Prospect, IL

3

Chicago

July 28, 1997

Northwest Wisconsin
Bancorp, Inc., & its
wholly-owned
subsidiary, BCB
Bancorp, Inc., both of
Chippewa Falls, WI
CORRECTION

Heartland Data Center, Inc.,
Cameron, WI providing
data processing services to
local, non-affilite financial
institutions (b)(14)

4

Minneapolis

August 11, 1997

Norwest Corporation,
Minneapolis, MN

First Valley Bank Group,
Los Fresons, TX & First
Valley Delaware Financial
Corporation, Dover,
Delaware, & First Valley
Bank, Harlingen, TX

3

Minneapolis

September 2,1997

Norwest Corporation,
Minneapolis, MN

Int'l Bancorp, Golden
Valley, MN & Northern
Nat'l Bank, Int'l Falls, MN;
City Nat'l Bank of Cloquet,
Cloquet, MN & Northern
Nat'l Bank, Nisswa, MN &
Norwest Investment
Services, Inc., Minneapolis,
MN securities &
underwriting activites (b)(7)
& (b)(8)

3 and 4

Minneapolis

September 12,1997

Norwest Corporation,
Minneapolis, MN

Packers Management
Company, Omaha, NE, &
Packers Bank, Omaha, NE

3

Minneapolis

September 2,1997




A p i a to n t f c n
p l c n r oiiat

Acquireeora t v t
ciiy

NSB Holding Corp.,
Staten Island, NY

Check Depot, Staten Island,
NY in check cashing, See
Midland Bank T l, PLC, 76
Fed. Res. Bull. 869 (1990)

4

New York

August 6, 1997

O.A.K. Financial
Corporation, Byron
Center,
MI

Caledonia Financial
Corporation,
Caledonia, MI, & State
Bank of Caledonia,
Caledonia,
MI

3

Chicago

August 15,1997

Otto Bremer
Foundation, St. Paul,
MN

Bremer Financial
Corporation, St. Paul,
MN, The
Halo Bancorporation, Inc.,
Devils Lake, ND, & First
National Bank of Devils
Lake, Devils
Lake, ND

3

Minneapolis

August 15, 1997

P.C.B. Bancorp, Inc.,
Largo, FL

Anchor Savings Bank,
F.S.B., St. Petersburg, FL
operating a savings
association (b)(4)

4

Atlanta

August 8, 1997

Patel, Susma; Patel,
Suketu Madhusudan
(Suku); Patel, Parimal
Kantibhai (Perry);
Amin, Bharat Muljibhai,
London, England; and
King, Dennis John
Lloyd, Surrey, England;
collectively, as the Patel
Group

First Bankshares, Inc.,
Longwood, FL, and First
National Bank of Central
Florida, Longwood, FL

CIBC

Atlanta

June 26,1997

Patel, Susma;Patel
(Suku), Suketu
Madhusudan; Patel
(Perry), Parimal
Kantibhai; Amin, Bharat
Muljibhai, London,
England; and King,
Dennis John Lloyd,
Surrey, England;
collectively, as the Patel
Group

First Bankshares, Inc.,
Longwood, FL, and
First National Bank of
Central Florida, Longwood,
FI

CIBC

Atlanta

May 30,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oilat

Acquireeora t v t
ciiy

Pathfinder Bancorp,
MHC, Oswego, NY

Pathfinder Bancorp,
Oswego, NY, and Stock
Holding Company,
Oswego, NY
and Oswego City Savings
Bank, Oswego,
NY

3

New York

August 7,1997

PBT Bancshares, Inc.,
McPherson, KS

Yoder Bankshares, Inc.,
Yoder, KS, and Farmers
State Bank,
Yoder, KS

3

Kansas City

June 6,1997

People's Community
Capital Corporation,
Aiken,
SC

People's Community Bank
of South
Carolina, Aiken, SC

3

Richmond

August 14, 1997

Peoples Bancorp, Inc.,
Marietta, OH

Gateway Bancorp, Inc.,
Catlettsburg, KY, and
Catlettsburg Federal
Savings Bank, Catlettsburg,
KY operating a savings
association (bX4Xii)

4

Cleveland

August 1, 1997

Peoples Bank
Employee Stock
Ownership Trust,
Marion, KY

Peoples-Marion Bancorp,
Inc.,
Marion, KY

3

St. Louis

June 12, 1997

Peoples Community
Bancshares, Inc.,
Colquitt,
GA

Farmers Bank of Malone,
Malone, FL

3

Atlanta

August 11,1997

Peoples Community
Bancshares, Inc.,
Colquitt,
GA

Farmers Bank of Malone,
Malone, FL

3

Atlanta

July 14, 1997

Peoples Financial Corp.,
Inc., Ford City, PA

Elderton State Bank,
Elderton, PA

3

Cleveland

August 25, 1997

Peoples-Marion
Bancorp, Inc.,
Marion, KY

The Peoples Bank,
Marion, KY

3

St. Louis

June 12, 1997




S c i noflaw ReserveBank
eto

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeora t v t
ciiy

PHS Bancorp,
Beaver Falls, PA

Peoples Home Savings
Bank,
Beaver Falls, PA

3

Cleveland

May 1,1997

Pioneer Bancshares,
Inc., Chattanooga, TN

Pioneer Bank, F.S.B.,
Chattanooga, TN operating
a savings
association (b)(4)

4

Atlanta

July 25, 1997

Plainview Holding
Company,
Pilger, NE

American National
Creighton Co.,
Creighton, NE, and
American National Bank of
Creighton,
Creighton, NE

3

Kansas City

June 23,1997

Planters & Merchants
Bancshares, Inc.,
Heame,
TX, & Planters &
Merchants Bancshares
of Delaware, Inc.,
Wilmington, DE

Homestead Bank, S.S.B.,
College Station, TX

3

Dallas

August 14,1997

Premier Financial
Bancorp, Inc.,
Georgetown,
KY

The Sabina Bank, Sabina,
OH

3

Cleveland

August 21,1997

Prillaman, Bob Maurice
& Lillias B., Marietta,
GA

Independent Bancshares,
Inc., Powder Springs, GA

CIBC

Atlanta

August 29, 1997

Proffitt, Richard Todd,
Pigeon Forge, TN

Tennessee State
Bancshares, Inc., Pigeon
Forge, TN (formerly
Gatlinburg, TN), and
Tennessee State Bank,
Gatlinburg, TN

croc

Atlanta

August 5, 1997

Progress Bancshares,
Inc., Sullivan, MO

Progress Bank of Sullivan,
Sullivan, MO, a
de novo bank

3

St. Louis

August 8,1997

Progressive Bancorp,
Inc., Pekin, IL

Pekin Savings Bank, S.B.,
Pekin, IL

3

Chicago

August 15, 1997




S c i no law - e e v Bank
eto f
Rsre

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeo a t v t
r ciiy

Provident Financial
Group, Inc., & FGBI
Acquisition Corp., both
of Cincinnati, OH

Florida Gulfcoast Bancorp,
Inc., Sarasota, FL, and
Enterprise National Bank of
Sarasota,
Sarasota, FL

3

Cleveland

July 24,1997

Remington, Thomas J.,
and S. June, both of
Lincoln,
NE, and Remingrton,
Ada E., McCook,
Nebraska

Clatonia Bancshares, Inc.,
Clatonia, NE, and
Farmers Bank of Clatonia,
Clatonia, NE

CIBC

Kansas City

July 18,1997

Republic Bancshares,
Inc.,
St. Petersburg, FL

F.F.O. Financial Group,
Inc.,
St. Cloud, FL, and First
Federal Savings and Loan
Association of Ocelola
County, Kissimmee, FL,
operating a savings
association (b)(4)(ii)

4

Atlanta

May 23, 1997

Reynolds, Marshall T.,
Huntington, WV

St. Mary Holding
Corporation, and Saint
Mary Bank & Trust
Company, Franklin,
Louisiana

CIBC

Atlanta

August 15,1997

Rockdale National
Bankshares, Conyers,
GA
CORRECTION

Rockdale National Bank,
Conyers, GA

3

Atlanta

August 22, 1997

Rockdale National
Bankshares, Inc.,
Conyers, GA

Rockdale National Bank,
Conyers, GA

3

Atlanta

August 25,1997

Rockdale National
Bankshares, Inc.,
Conyers, GA

Rockdale National Bank,
Conyers, GA

3

Atlanta

August 22, 1997

Rossenberg, Clifford R.,
Sunset Beach, CA

Security First Bank,
Fullerton, CA

CIBC

San Francisco

May 27, 1997

Santa Barbara Bancorp,
Santa Barbara, CA

Citizens State
Bank of Santa Paula, Santa
Paula, CA

3

San Francisco

July 25, 1997




S c i no law - e e v Bank
eto f
Rsre

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeora t v t
ciiy

Security Bancshares,
Inc.,
Scott City, KS

Intra Financial Corp., and
Exchange Bank of Clyde,
Clyde, KS; Fanners State
Bancshares
of Sabetha, Inc., Sabetha,
KS; Fanners
State Bank, Sabetha, KS;
Peoples Bancorp of
Belleville, Inc., and Peoples
Bank of
Belleville, Belleville, KS

3

Kansas City

June 20,1997

Security State
Corporation,
Centralia, WA

Security State Bank,
Centralia, WA

3

San Francisco

June 9, 1997

Sephar, David L.,
Kansas City, KS

First Community
Bancshares, Inc., Kansas
City,
KS, and First Community
Bank,
Kansas City, KS

CIBC

Kansas City

July 25, 1997

Southwestern
Bancshares, Inc.,
Oklahoma City,
OK

Southwestern Bank & Trust
Company, Oklahoma City,
OK

3

Kansas City

August 11, 1997

Spanjer, Leland, Cozad,
NE, in his capacity as
Personal Representative
of the Estate of Clifford
G. Young

C.S.B. Co., Cozad, NE,
Cozad State Bank & Trust
Company, Cozad, NE, and
First National Bank of
Chadron, Chadron, NE

CIBC

Kansas City

August 11,1997

Spehar, David L. &
Nancy A., Kansas City,
KS

First Community
Bancshares, Inc., Kansas
City, KS, and First
Community Bank, Kansas
City, KS

CIBC

Kansas City

August 5,1997

St. Yves, Robert W.,
Prineville, OR

Prineville Bancorporation,
Prineville, OR and
Community First Bank,
Prineville OR (formerly the
Prineville Bank)

CIBC

San Francisco

August 5, 1997

Sterling Bancshares,
Inc., Houston, TX

First Houston Bancshares,
Houston, TX, and Houston
National Bank, Houston, TX

3

Dallas

July 21,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t l c n
plcn
oiiat

Acquireeora t v t
ciiy

Stockmens Financial
Corporation, Rushville,
NE

BankWest
(a de novo bank), Castle
Rock, CO

3

Kansas City

July 25,1997

Suez Lyonnaise des
Euax, Paris, France;
Societe Generate de
Belgique, Brussels,
Belguim; and Generate
de Banque, Brussels,
Belguim

Harbor Capital
Management, Inc., Boston,
MA investment advisory
activities (bX6); investment
transactions as principal
(bX8); & serve as general
partner of & provide
management & private
placement services to
unregistered investment
funds

4

New York

August 21, 1997

The Bank of Mulberry
Employee Stock
Ownership
Trust,
Mulberry, AR

ACME Holding
Company, Inc.,
Mulberry, AR, and
The Bank of Mulberry,
Mulberry, AR

3

St. Louis

June 23,1997

The Chase Manhattan
Corporation & Chase
Holdings Delaware,
Inc., New York, NY
CORRECTION

Chase Manhattan Bank &
Trust Company, National
Association, Los Angeles,
CA

3

New York

August 18,1997

The Chase Manhattan
Corporation and Chase
Holding
Delaware Inc., New
York, NY

Chase Trust Company,
National Association, Los
Angeles, CA

3

New York

August 18,1997

The Commercial
Bancorp, Inc., Ormond
Beach,
FL

Commercial Bank of
Volusia
County, Ormond Beach, FL

3

Atlanta

August 15, 1997

TNB Bancorporation,
Inc., Brenham, TX, and
TNB
Bancorporation of
Delaware, Inc.,
Wilmington, DE

Texas National Bank,
Brenham, TX

3

Dallas

July 29, 1997

Triangle Bancorp, Inc.,
Raleigh, NC

Bank of Mecklenburg,
Charlotte, NC

3

Richmond

August 1,1997




Section of law

Reserve Bank

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Union Planters
Corporation(l),
Memphis, TN
CONTINUED

Magna Bancorp, Inc.,
Hattiesburg, MS, &
Magnolia Federal Bank for
Savings, Hattiesburg, MS
indirectly
acquiring a federal savings
bank (b)(4); & Magna
Mortgage Co., Hattiesburg,
MS originating & servicing
mortgage loans (b)(1)
CONTINUED

4

St. Louis

August 15,1997

Union Planters
Corporation^),
Memphis, TN
CONTINUED

& in providing real estate

4

St. Louis

August 15,1997

United Bankshares, Inc.,
Charleston, WV

First Patriot Bankshares
Corporation,
Reston, VA, and
Patriot National Bank,
Reston, VA

3

Richmond

June 16,1997

United Community
Banks Inc., Blairsville,
GA

First Clayton Bancshares,
Inc., Clayton, GA, and
First Clayton Bank and
Trust Company,
Clayton, GA

3

Atlanta

August 8, 1997

Valcourt, Jeffery T.,
Arlington, VA

United Financial Banking
Companies, Inc.,
Vienna, VA, and
The Business Bank,
Vienna, VA

CIBC

Atlanta

June 5,1997

Valley National
Corporation, Lanett, AL

Valley National Bank of
Lannett, Lanett, AL

3

Atlanta

September 5, 1997

Wachovia Corporation,
Winston-Salem, NC

Jefferson National Bank,
Charlottesville, VA and
Jefferson National Bank,
Charlottesville, VA

3

Richmond

August 18,1997

West U. Limited,
Bradley F. Bracewell,
Jr., General
Partner, Houston, TX

First University
Corporation, Houston, TX,
and West University Bank,
N.A.,
Houston, TX

CIBC

Dallas

August 8,1997




S c i no law ' e e v Bank
eto f
Rsre

End o comment p r o
f
eid

appraisal & inspection
services (b)(2)

Applicant orn t f c n
oiiat

Acquireeo a t v t
r ciiy

Western Bank,
Albuquerque, New
Mexico ESOP & Trust,
Albuquerque, NM

Western Bancshares of
Albuquerque, Inc.,
Albuquerque, NM, and
Western Bank,
Albuquerque, NM

3

Kansas City

August 21,1997

Woodruff, Thomas M.,
Humble, TX

Grimes County Capital
Corporation, Iola, TX &
Community State Bank,
Houston, TX

CIBC

Dallas

August 26, 1997

Young, David E.,
Chattanooga, TN

East Ridge
Bancshares, Inc., East
Ridge, TN, and Bank o f
East Ridge, East Ridge, TN

CIBC

Atlanta

July 22,1997

Young, Susan Aileen,
Chicago, IL

C.S.B. Co., Cozad, NE, and
Cozad State Bank & Trust
Company, Cozad, NE, and
First National Bank of
Chadron, Chardron, NE

CIBC

Kansas City

August 5,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

Addresses for Comments and Information Requests
Addresses for comments differ from those for information requests.

Addresses fo r Comments
Comments on the applications and notices may be sent to the appropriate Federal Reserve Bank or
the Board.
Federal Reserve Bank of Boston
Richard Walker, Community Affairs Officer, 600 Atlantic Avenue, Boston, MA „
02106-2204
Federal Reserve Bank of New York
Betsy Buttrill White, Senior Vice President, 33 Liberty Street, New York, NY 10045-0001
Federal Reserve Bank of Philadelphia
Michael E. Collins, Senior Vice President, 100 North 6th Street, Philadelphia,
PA 19105-1521
Federal Reserve Bank of Cleveland
Jeffrey Hirsch, Banking Supervisor, 1455 East Sixth Street, Cleveland, OH
44101-2566
Federal Reserve Bank of Richmond
A. Linwood Gill, III, Assistant Vice President, 701 East Byrd Street, Richmond, VA 23261-4528
Federal Reserve Bank of Atlanta
Lois Berthaume, Vice President, 104 Marietta Street, N.W., Atlanta, GA
30303-2713
Federal Reserve Bank of Chicago
Philip Jackson, Applications Officer, 230 South LaSalle Street, Chicago, IL
60690-1413
Federal Reserve Bank of St. Louis
Randall C. Sumner, Vice President, 411 Locust Street, St. Louis, MO 63102-2034
Federal Reserve Bank of Minneapolis
Karen L. Grandstrand, Vice President, 250 Marquette Avenue, Minneapolis, MN 55480-2171
Federal Reserve Bank of Kansas City
D. Michael Manies, Assistant Vice President, 925 Grand Avenue, Kansas City, MO 64198-0001
Federal Reserve Bank of Dallas
Genie D. Short, Vice President, 2200 North Pearl Street, Dallas, TX 75201-2272
Federal Reserve Bank of San Francisco
Pat Marshall, Manager of Analytical Support, Consumer Regulation Group, 101 Market Street, San
Francisco, CA 94105-1579
Board of Governors of the Federal Reserve System
William W. Wiles, Secretary, 20th & Constitution Avenue, N.W., Washington, DC 20551-0001




Information Requests
The public portions of the applications and notices currently listed in this release are available on an
expedited basis from the appropriate Federal Reserve Bank. The public portion of the application also
may be obtained from the Board.
Federal Reserve Bank of Boston

Jonathan Fine (TEL: 617-973-3339; FAX: 617-973-3219)
Federal Reserve Bank of New York

Margaret Carmody (TEL: 212-720-7924; FAX: 212-720 -6628)
Federal Reserve Bank of Philadelphia

Rosanna Crosier (TEL: 215-574-6581; FAX: 215-574-4146)
Federal Reserve Bank of Cleveland

Jim Terlop (TEL: 216-579-2197; FAX: 216-579-2932)
Federal Reserve Bank of Richmond

Gaile Clark (TEL: 804-697-8825; FAX: 804-697-8283)
Federal Reserve Bank of Atlanta

Wayne Smith (TEL: 404-589-7265; FAX: 404-589-7342)
Federal Reserve Bank of Chicago

Frank Skweres (TEL: 312-322-4785; FAX: 312-322-5894)
Federal Reserve Bank of S t Louis

Cathie Windsor (TEL: 314-444-4638; FAX: 314-444-8740)
Federal Reserve Bank of Minneapolis

Paula Charles (TEL: 612-372-2982; FAX: 612-344-2702)
Federal Reserve Bank of Kansas City

Patty Biesemeyer (TEL: 816-881-2464; FAX: 816-881-2252)
Federal Reserve Bank of Dallas

Rob Jolley (TEL: 214-922-6071; FAX: 214-922-6302)
Federal Reserve Bank of San Francisco

Michael Johnson (TEL: 415-974-2995; FAX: 415-974-3031)
Board of Governors of the Federal Reserve System

Freedom of Information Office (TEL: 202-452-3684; FAX: 202-872-7562, and 202-872-7565)




N t c ofFormations and Mergers o,and A q i i i n b ,Bank Holding
oie
f
custos y
Companies; Change i Bank Control
n
Notices Filed since the H.2A dated August 14,1997
The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act of
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j)), Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board of Governors, no
later than the end of the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end of this release.
The public portions of the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;
addresses are listed at the end of this release. Applications and notices also may be obtained from the
Board.
Applicant or notificant

Acquiree or activity

ALBANK, FSB
Incentive Savings and
Employee Stock
Ownership Plan,
Albany, NY

ALBANK Financial
Corporation, Albany, NY,
& ALBANK Commercial,
Albany, NY, & ALBANK,
FSB, Albany, NY

CIBC

New York

September 10,1997

Anderson Financial
Group, Inc., Golden
Valley, MN

Northern National Bank,
Nisswa, MN

3

Minneapolis

September 18,1997

BankAhierica
Corporation(l), San
Francisco, CA
CONTINUED

all of the assets, & assume
all of the liabilities of
Robertson Stephens &
Company Group
("Group"), & Robertson
Stephen & Company, Inc.
("RS&Co., Inc."),
worldwide in underwriting
& dealing in, to a limited
extent, all types of
CONTINUED

4

San Francisco

September 9, 1997




Section of law

Reserve Bank

End of comment period

A p i a to n t f c n
p l c n r oilat

Acquiree or activity

BankAmerica
Corporation^), San
Francisco, CA
CONTINUED

debt & equity securities
other than interests in open
end investment companies;
in underwriting & dealing
in obligations of the U.S.,
general obligations of states
& their political
subdivisions, & other
obligations that state
member
CONTINUED

4

San Francisco

September 9,1997

BankAmerica
Corporation^), San
Francisco, CA
CONTINUED

banks of the Federal
Reserve System may be
authorized to underwrite &
deal in (b)8); in acting as
investment or financial
advisor (b)(6); in securities
brokerage services (b)(7);
in buying & selling in the
secondary market all types
CONTINUED

4

San Francisco

September 9,1997

BankAmerica
Corporation^), San
Francisco, CA
CONTINUED

of securities on the order of
customers as a riskless
principal to the extent of
engaging in a transaction in
which
the company, after
receiving an order to buy
(or sell) a security from a
customer, purchases (or
sells) the security
CONTINUED

4

San Francisco

September 9, 1997

BankAmerica
Corporation^), San
Francisco, CA
CONTINUED

for its own account to offset
a contemporaneous sale to
(or purchase from) the
customer (b)(76); in acting
as agent for the private
placement of securities
(b)(7) ; & in providing
administrative and other
services to investment
companies,
CONTINUED

4

San Francisco

September 9, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

BankAmerica
Corporation^), San
Francisco, CA
CONTINUED

including open end
investment companies, See
Bankers Trust 83 Fed. Res.
Bull.
(Order dated July
21,1997); Barclays PLC,
83 Fed. Res. Bull. 158
(1996); Bank of Ireland, 82
Fed. Res. Bull. 1129(1996)

4

San Francisco

September 9,1997

Calvin B. Taylor
Bankshares, Inc., Berlin,
MD

Calvin B.Taylor Banking
Company of Berlin
Maryland, Berlin, MD, &
Calvin B. Taylor Bank of
Delaware, Ocean View, DE

3

Richmond

September 15,1997

Citizens Bankers, Inc.,
Baytown, TX, and
Citizens Bankers of
Delaware, Wilmington,
DE

First National Bank of Bay
City, Bay City, TX

3

Dallas

September 18,1997

First Commercial
Corporation, Little
Rock, AR

First Charter Bancshares,
Inc., North Little Rock, AR,
& Charter State Bank,
Beebee, Arkansas, Beebe,
AR

3

St. Louis

September 19, 1997

First Financial
Bankshares, Inc.,
Abilene, TX

Southlake Bancshares, Inc.,
Southlake, TX & Texas
National Bank, Southlake,
TX

3

Dallas

September 19,1997

First Union
Corporation 1),
Charlotte, NC
CONTINUED

Signet Banking Corp., &
Signet Bank, Richmond,
VA; Signet Commercial
Credit Corp., Richmond,
VA making loans that are
typcially secured by
inventory, accounts
receivable or like security
& are generally structured
on a revolving basis (b)(1);
CONTINUED

3 and 4

Richmond

September 19,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

First Union
Corporation^),
Charlotte, NC
CONTINUED

Signet Insurance Services,
Inc., Richmond, VA
insurance actvities
(b)(l lXiv); Signet Financial
Services, Inc., Richmond,
VA discount brokerage
services (bX7); Signet Trust
Company, Richmond, VA
trust company activities
(bX5); CONTINUED

3 and 4

Richmond

September 19,1997

First Union
Corporation^),
Charlotte, NC
CONTINUED

Signet Strategic Capital
Corp., Richmond, VA
providing investment
advice as a commodity
trading advisor with respect
to the purchase & sale of
financial futures contracts
and options on financial
futures contracts &
providing
CONTINUED

3 and 4

Richmond

September 19,1997

First Union
Corporation^),
Charlotte, NC
CONTINUED

foreign exchange advisory
& transactional services,
(bX7)&(bX8);&Virtus
Capital Management, Inc.,
Baltimore, MD investment
advisor of various
registered open-end
management investment
companies, mutual funds,
etc., & sponsor of mutual
funds (bX6)

3 and 4

Richmond

September 19, 1997

FirstBank Holding
Company of Colorado,
Lakewood, CO

FirstBank of Parker, Parker,
CO

3

Kansas City

September 19, 1997

Frei, Robert L., Wagner,
SD

Commercial Holding
Company, Wagner, SD, &
Commercial State Bank of
Wagner, Wagner, SD

CIBC

Minneapolis

September 11, 1997

Harbor, Lacy J.,
Denison, TX

Marble Falls National
Bancshares, Inc., Marble
Falls, TX,& Marble Falls
National Bank, Marble
Falls, TX

cmc

Dallas

September 4,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeo a t v t
r ciiy

International
Bancorporation, Golden
Valley, MN

Northern National Bank,
Nisswa, MN

3

Minneapolis

September 18,1997

Landmark Bancorp,
Inc., Margate, FL

Sunniland bank, Fort
Lauderdale, FL

3

Atlanta

September 19,1997

Metcalf, Imogene and
Butler, Charles W., both
of Hooker, OK

Hooker National
Bancshares, Inc., Hooker,
OK, & First National Bank,
Hooker, OK

CIBC

Kansas City

September 10,1997

Mutual Bancorp of the
Berkshires, Inc.,
Pittsfield, MA

Lee National Banc Corp.,
Lee, MA, & First National
Bank of the Berkshires,
Lee, MA & City Savings
Bank of Pittsfield,
Pittsfield, MA

3

Boston

September 19,1997

National City
Corporation (3),
Cleveland, OH, acting
through its whollyowned subsidiary,
National Processing,
Inc., Louisville, KY
CONTINUED

to customers for billing
purposes (b)(14). See,
Banc One
Corporation, 80 Fed. Res.
Bull. 139 (1994)

4

Cleveland

September 9,1997

National City
Corporation(l),
Cleveland, OH, acting
through its whollyowned subsidiary,
National Processing,
Inc., Louisville, KY
CONTINUED

Caribbean Data Services,
Ltd., Dallas, TX in
processing the payment of
health insurance claims by
performing data entry of
customer provided
information & information
relating to the cost of
medical treatment, & by
utilizing the
CONTINUED

4

Cleveland

September 9,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acqu r e o a t v t
i e r ciiy

National City
Corporation^),
Cleveland, OH, acting
through its whollyowned subsidiary,
National Processing,
Inc., Louisville, KY
CONTINUED

customer’s database to
match membership &
provider information to
facilitate payment between
the provider & the insurer,.
& in collection of financial
& orther data from hard
copies & electronic images
of airline tickets that is
provided
CONTINUED

4

Cleveland

September 9,1997

North Fork
Bancorporation, Inc.,
Melville, NY

Branford Savings Bank,
Branford, CT

3

New York

September 18, 1997

Olympic Bancorp, Port
Orchard, WA

Kitsap Bank, Port Orchard,
WA

3

San Francisco

September 19,1997

Platt, Michael D.,
Hardtner, KS; Molz,
James L., Kiowa, KS;
Collins, David C., &
Pederson, Roland
C., both of Burlington,
OK

B-K Agency, Inc. Hardtner,
KS, & The Farmers State
Bank, Hardtner, KS

CIBC

Kansas City

September 10,1997

Regions Financial
Corporation,
Birmingham, AL

Griffin Federal Savings
Bank, Griffin, GA operating
a savings association (bX4)

4

Atlanta

September 19,1997

Saehan Bancorp, Los
Angeles, CA

Saehan Bank, Los Angeles,
CA

3

San Francisco

September 19,1997

Santander Holding
Intemacional, S.A., and
Santusa Holding, S.L.,
both of Madrid, Spain

Banco Santander Puerto
Rico, San Juan, Puerto
Rico. Santander Holding
Invemacional, S.A.,
Santusa Holding, S.L., &
Banco Santander Puerto
Rico all currently are
subsidiaries of Banco
Santander, S.A., Madrid,
Spain

3

New York

September 10,1997

Union Bancshares, Inc.,
Fargo, ND

Union State Bank of Fargo,
Fargo, ND

3

Minneapolis

September 15,1997




S c i no law - e e v Bank
eto f
Rsre

End o comment p r o
f
eid

A p i a torn t l c n
plcn
oiiat

Acquireeora t v t
ciiy

Union Planters
Corporation, Memphis,
TN, and its whollyowned bank holding
company
subsidiary, Capital
Bancorporation, Inc.,
Memphis, TN

Sho-Me Financial
Corporation, Mt. Vernon,
MO, and its wholly-owned
savings association
subsidiary, 1st Savings
Bank, f.s.b., Mt. Vernon,
MO in operating a savings
institution (b)(4)(ii)

4

St. Louis

September 4,1997

UST Corp., Boston, MA

Firestone Financial Corp.,
Newton, MA in installment
loan & lease financing
activities to commercial
customers (b)(1) & (b)(3)

4

Atlanta

September 15,1997

Wachovia Corporation,
Winston-Salem, NC

1st United Bancorp, Boca
Raton, FL, & First United
Bank, Boca Raton, FL, &
United Bancorp's
subsidiary, Island
Investment Service, Inc.,
Palm Beach, FL in
securities brokerage
activities (b)(7)(i)

3

Richmond

September 15,1997

Zions Bancorporation,
Salt Lake City, UT

GB Bancorporation, San
Diego, CA, & Grossmont
Bank, San Diego, CA

3

San Francisco

September 15, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

Addresses for Comments and Information Requests
Addresses for comments differ from those for information requests.

Addresses fo r Comments
Comments on the applications and notices may be sent to the appropriate Federal Reserve Bank or
the Board.
Federal Reserve Bank of Boston
Richard Walker, Community Affairs Officer, 600 Atlantic Avenue, Boston, MA
02106-2204
Federal Reserve Bank of New York
Betsy Buttrill White, Senior Vice President, 33 Liberty Street, New York, NY 10043-0001
Federal Reserve Bank of Philadelphia
Michael E. Collins, Senior Vice President, 100 North 6th Street, Philadelphia,
PA 19105-1521
Federal Reserve Bank of Cleveland
Jeffrey Hirsch, Banking Supervisor, 1455 East Sixth Street, Cleveland, OH
44101-2566
Federal Reserve Bank of Richmond
A. Linwood Gill, III, Assistant Vice President, 701 East Byrd Street, Richmond, VA 23261-4528
Federal Reserve Bank of A tlanta
Lois Berthaume, Vice President, 104 Marietta Street, N.W., Atlanta, GA
30303-2713
Federal Reserve Bank of Chicago
Philip Jackson, Applications Officer, 230 South LaSalle Street, Chicago, IL
60690-1413
Federal Reserve Bank of S t Louis
Randall C. Sumner, Vice President, 411 Locust Street, St. Louis, MO 63102-2034
Federal Reserve Bank of Minneapolis
Karen L. Grandstrand, Vice President, 250 Marquette Avenue, Minneapolis, MN 55480-2171
Federal Reserve Bank of Kansas City
D. Michael Manies, Assistant Vice President, 925 Grand Avenue, Kansas City, MO 64198-0001
Federal Reserve Bank of Dallas
Genie D. Short, Vice President, 2200 North Pearl Street, Dallas, TX 75201-2272
Federal Reserve Bank of San Francisco
Pat Marshall, Manager o f Analytical Support, Consumer Regulation Group, 101 Market Street, San
Francisco, CA 94105-1579
Board of Governors of the Federal Reserve System
William W. Wiles, Secretary, 20th & Constitution Avenue, N.W., Washington, DC 20551-0001




Information Requests
The public portions of the applications and notices currently listed in this release are available on an
expedited basis from the appropriate Federal Reserve Bank. The public portion of the application also
may be obtained from the Board.
Federal Reserve Bank of Boston

Jonathan Fine (TEL: 617-973-3339; FAX: 617-973-3219)
Federal Reserve Bank of New Y ork

Margaret Carmody (TEL: 212-720-7924; FAX: 212-720 -6628)
Federal Reserve B ank of Philadelphia

Rosanna Crosier (TEL: 215-574-6581; FAX: 215-574-4146)
Federal Reserve Bank of Cleveland

Jim Terlop (TEL: 216-579-2197; FAX: 216-579-2932)
Federal Reserve B ank of Richmond

Gaile Clark (TEL: 804-697-8825; FAX: 804-697-8283)
Federal Reserve Bank of A tlanta

Wayne Smith (TEL: 404-589-7265; FAX: 404-589-7342)
Federal Reserve Bank of Chicago

Frank Skweres (TEL: 312-322-4785; FAX: 312-322-5894)
Federal Reserve Bank of S t Louis

Cathie Windsor (TEL: 314-444-4638; FAX: 314-444-8740)
Federal Reserve Bank of Minneapolis

Paula Charles (TEL: 612-372-2982; FAX: 612-344-2702)
Federal Reserve Bank of Kansas City

Patty Biesemeyer (TEL: 816-881-2464; FAX: 816-881-2252)
Federal Reserve Bank of Dallas

Rob Jolley (TEL: 214-922-6071; FAX: 214-922-6302)
Federal Reserve Bank of San Francisco

Michael Johnson (TEL: 415-974-2995; FAX: 415-974-3031)
Board o f G overnors of the Federal Reserve System

Freedom of Information Office (TEL: 202-452-3684; FAX: 202-872-7562, and 202-872-7565)




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