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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. 34
W eek E n ding A u g u st 2 3 ,1 9 9 7

Board o f Governors o f the Federal Reserve System, Washington, D C 20551




No. 34

ACTIONS TAKEN BY THE BOARD OF GOVERNORS
BANK HOLDING COMPANIES
Horizon Bancorp, Inc., Beckley, West Virginia ~ to acquire Beckley Bancorp,
Inc., and its subsidiary, Beckley Federal Savings Bank.
- Approved, August 22, 1997
Northwest Bancorp, MHC, Warren, Pennsylvania —to form Northwest Bancorp,
Inc., a second tier-stock bank holding company.
- Approved, August 18, 1997
Santa Barbara Bancorp, Santa Barbara, California, and Santa Barbara Bank &
Trust —to acquire Citizens State Bank o f Santa Paula, Santa Paula, California.
- Approved, August 21, 1997

BOARD OPERATIONS
Labor Relations Panels o f the Federal Reserve System -- reappointment o f Richard
Bloch to the panels.
- Approved, August 19, 1997

REGULATIONS AND POLICIES
Capital guidelines —request for comment on a proposal to amend risk-based
capital guidelines to recognize certain revaluation gains on equity securities in
Tier 2 capital.
- Approved, August 18, 1997
Capital guidelines —request for comment on proposed revisions o f risk-based
capital guidelines to address the regulatory capital treatment o f recourse
obligations, direct credit substitutes, and securitized transactions.
- Approved, August 21,1997
Section 20 subsidiaries o f bank holding companies —amendments to eliminate
most o f the section 20 firewalls and incorporate remaining firewalls in a statement
o f operating standards.
- Approved, August 21, 1997

RESERVE BANK OPERATIONS




Policies and guidelines concerning Federal Reserve Bank operations —revisions to
certain approval authority limits and reassignment o f certain review
responsibilities.
- Approved, August 19, 1997

H.2
August 1 , 1997 t August 2 , 1997
7
o
3
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEG ATED AUTHORITY
A bbreviations: BS& R - B anking Supervision and R egulation; C & C A - C onsum er and C om m unity
Affairs; FO M C - Federal O pen M arket C om m ittee; RB O PS - R eserve Bank O perations and Paym ent
System s; IF - International Finance; O SDM - O ffice o f S ta ff D irector for M anagem ent

BANK BRANCHES, DOMESTIC
Richmond
F & M Bank-Winchester, Winchester, Virginia - to establish a drive-through branch
at 8 West Market Street, Leesburg, Virginia.
- Approved, August 22,1997
Chicago
Fifth Third Bank of Central Indiana, Indianapolis, Indiana —to establish a branch at
3060 Valley Farms Road.
? Approved, August 22, 1997
San Francisco
First Security Bank of Nevada, Las Vegas, Nevada —to establish a branch at 3320
N. Buffalo.
- Approved, August 19,1997
BANK HOLDING COMPANIES
Richmond
BB&T Corporation, Winston-Salem, North Carolina —to acquire Virginia First
Financial Corporation, Petersburg, Virginia, and First Federal Savings Bank, F.S.B.
- Approved, August 21, 1997
Atlanta
Big Lake Financial Corporation, Okeechobee, Florida -- to merge with CNB
Financial Corporation, Clewiston, Florida, and acquire Clewiston National Bank.
- Approved, August 21, 1997
Philadelphia
Century Bancorp, MHC, Bridgeton, New Jersey, and Century Bancorp, Inc. —to
acquire Century Savings Bank.
- Approved, August 22,1997
Atlanta
Commercial Bancorp, Inc., Ormond Beach, Florida —to acquire Commercial Bank
of Volusia County (in organization).
- Approved, August 20,1997




H.2
August 1 , 1997 t August 2 , 1997
7
o
3

Page 2

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
St. Louis
Commercial Bancshares, Inc.. Texarkana, Arkansas - to acquire Citizens State
Bank, Hempstead, Texas.
- Approved, August 20. 1997
Richmond
Crestar Financial Corporation. Richmond. Virginia - to acquire American National
Bancorp. Inc., Baltimore. Maryland, and American National Savings Bank. F.S.B.
- Approved, August 22, 1997
Philadelphia
Harris Financial Inc., Harrisburg. Pennsylvania, and Harris Financial. MHC —to
acquire Harris Savings Bank and Bancorp.
- Approved. August 19.1997
Chicago
Hometown Independent Bancorp. Inc.. Morton. Illinois —to acquire Morton
Community Bank.
- Approved. August 20. 1997
Dallas
Maypearl Bancshares. Inc., Maypearl. Texas —to acquire Maypcarl Holdings. Inc..
Wilmington. Delaware, and First State Bank. Maypcarl. Texas.
- Approved. August 19. 1997
Dallas
' Maypearl Holdings, Inc.. Wilmington. Delaware -- to acquire First State Bank.
Maypearl, Texas.
- Approved. August 19. 1997
Minneapolis
Norwest Corporation, Minneapolis, Minnesota -- notice to acquire through Integrion
Financial Network. LLC. Atlanta. Georgia, certain assets and assume certain
liabilities of Visa Interactive. Inc.. Foster City. California.
- Approved. August 21.1997




H.2
August 1 , 1997 t August 2 , 1997
7
o
3

Page 3

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Chicago
O.A.K. Financial Corporation, Byron Center, Michigan —to acquire shares of
Caledonia Financial Corporation, Caledonia, Michigan, and to acquire State Bank of
Caledonia.
- Approved, August 21,1997
Minneapolis
Otto BTemer Foundation, St. Paul, Minnesota, and Bremer Financial Corporation ~
to acqtiire Halo Bancorporation, Inc., Devils Lake, North Dakota.
- Approved, August 20, 1997
Richmond
People's Community Capital Corporation, Aiken, South Carolina —to acquire
People's Community Bank of South Carolina, an organizing bank.
- Approved, August 21, 1997
Atlanta
Pioneer Bancshares, Inc., Chattanooga. Tennessee -- notice to acquire Pioneer Bank,
F.S.B. (in organization), and engage in operating a savings association.
- Approved, August 21,1997
Dallas
Planters & Merchants Bancshares, Inc.. Heame. Texas, and Planters & Merchants
Banchares of Delaware, Inc., Wilmington, Delaware —to acquire Homestead Bank.
S.S.B.. College Station. Texas.
- Approved. August 20, 1997
Chicago
Progressive Bancorp, Inc., Pekin, Illinois —to acquire Pekin Savings Bank. S.B.
- Approved. August 19, 1997
■
Kansas City
SBT Bankshares, Inc., Colorado Springs, Colorado —to acquire shares of State
Bank & Trust Mortgage, L.L.C., Colorado Springs, Colorado, and engage in
extending credit and servicing loans.
- Permitted, August 21,1997




H.2
August 1 , 1997 t August 2 , 1997
7
o
3

Page 4

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Kansas City
Southwestern Bancshares, Inc., Oklahoma City, Oklahoma -- to acquire
Southwestern Bank & Trust Company, Oklahoma City, Oklahoma.
- Approved, August 19,1997
Atlanta
United Community Banks, Inc.,Blairsville, Georgia —to merge with First Clayton
Bancshares, Inc., Clayton, Georgia, and acquire First Clayton Bank & Trust
Company.
- Approved, August 20,1997
Kansas City
WFS Bancorp., Inc., Wichita, Kansas —application to terminate its status as margin
lender under Regulation G.
- Approved, August 19,1997
BANK MERGERS
Atlanta
Colonial Bank, Montgomery, Alabama - to merge with Dadeland Bank, Miami,
Florida.
- Approved, August 20, 1997
Secretary
Compass Bank, Birmingham, Alabama —to merge with Compass Bank,
Jacksonville, Florida, and to establish branches.
- Approved, August 20, 1997
BANKS, NONMEMBER, AND MISCELLANEOUS INSTITUTIONS
Director, BS&R
Metro Financial Corporation, Atlanta, Georgia -- registration as transfer agent.
- Withdrawn, August 18, 1997
BANKS, STATE MEMBER
Cleveland
Citizens Commercial Bank and Trust Company, Celina, Ohio —to acquire and
merge with Van Wert National Bank, Van Wert, Ohio, and to establish branches.
- Approved, August 22, 1997




Page 5

H.2
August 17, 1997 to August 23, 1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
CHANGE IN BANK CONTROL
Kansas City
B-K Agency, Inc., Hardtner, Kansas - change in bank control.
- Withdrawn, August 21,1997
Dallas
First University Corporation, Houston, Texas —change in bank control.
- Permitted, August 20, 1997
Dallas
Portales National Bancshares, Inc., Portales, New Mexico —change in bank control.
- Permitted, August 19, 1997
San Francisco
Prineville Bancorporation, Prineville, Oregon —change in bank control.
- Permitted, August 20, 1997
Atlanta
Tri-Parish Bancshares, Ltd., Eunice, Louisiana —change in bank control.
- Permitted, August 21,1997

COMPETITIVE FACTORS REPORTS
Richmond
Century National Bank, Washington, D.C. —report on competitive factors o f the
proposed purchase o f certain assets and the assumption o f certain liabilities o f the
McLean, Virginia, branch o f Eastern Savings Bank, F.S.B., Herndon, Virginia.
- Submitted, August 21, 1997
Dallas




Citizens National Bank o f Childress, Childress, Texas —report on competitive
factors o f the proposed acquisition o f a branch o f Boatman First National Bank o f
Amarillo, Amarillo, Texas.
- Submitted, August 21,1997

H.2

Page 6

August 17, 1997 to August 23, 1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Minneapolis
City National Bank o f Cloquet, Cloquet, Minnesota —report on competitive factors
o f the proposed merger with Norwest Interim National Bank Cloquet, National
Association.
- Submitted, August 21, 1997
Cleveland
Community National Corporation, Lexington, Tennessee —report on competitive
factors o f the proposed acquisition o f Lexington First FSB.
- Submitted, August 22, 1997
New York
Eurobank, Hato Rey, Puerto Rico —report on competitive factors o f the proposed
merger with Prime Bank o f Puerto Rico, Caguas, Puerto Rico.
- Submitted, August 21. 1997
Kansas City
Farmers State Bank, Cameron, Missouri —report on competitive factors o f the
proposed acquisition o f the assets and assumption o f the liabilities o f the Trenton,
Missouri, branch o f Roosevelt Bank.
- Submitted. August 21,1997
Philadelphia
First National Bank o f Wyoming, Wyoming, Delaware —report on competitive
factors o f the proposed purchase o f the assets and assumption o f the liabilities o f two
offices o f JCPenny National Bank, Harrington, New Jersey.
- Submitted, August 21, 1997
Dallas
First State Bank o f Canadian. N.A.. Canadian, Texas —report on competitive factors
o f the proposed acquisition o f a branch o f Boatman First National Bank o f Amarillo,
Amarillo, Texas.
- Submitted, August 22, 1997
Cleveland
First Western Bank, FSB, Sharon, Pennsylvania -- report on competitive factors o f
the proposed merger with First Western Bank. NA, New Castle. Pennsylvania.
- Submitted. August 20, 1997




H.2

Page 7

August 17, 1997 to August 23, 1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Cleveland
First Western Bank, NA, New Castle, Pennsylvania -- report on competitive factors
o f the proposed purchase o f assets and assumption o f liabilities o f the Mentor, Ohio,
branch o f First Western Bank, FSB, Sharon, Pennsylvania, and the establishment o f
one branch.
- Submitted, August 20. 1997
Cleveland
First Western Bank. NA, New Castle, Pennsylvania —report on competitive factors
o f the proposed purchase o f certain assets and assumption o f certain liabilities o f the
Chicora. Pennslvania. office o f Mellon Bank, NA, Pittsburgh, Pennsylvania.
- Submitted, August 20, 1997
San Francisco
Goleta National Bank, Goleta. California —report on competitive factors o f the
proposed merger with Goleta Interim National Bank.
- Submitted. August 22, 1997
Dallas
Graham National Bank. Graham, Texas —report on competitive factors o f the
proposed acquisition of five branches o f Boatman's First National Bank o f Amarillo.
Amarillo, Texas.
- Submitted, August 19, 1997
Richmond
Greater Atlantic Savings Bank, F.S.B., Rockville, Maryland —report on competitive
factors o f the proposed merger with Interim Bank, Rockville. Maryland, an
organizing bank.
- Submitted. August 18. 1997
Minneapolis
Laona State Bank, Laona. Wisconsin —report on competitive factors o f the proposed
purchase o f the assets and assumption o f the liabilities o f the Crandon, Wisconsin,
branch o f Security Bank. S.S.B., Milwaukee, Wisconsin.
- Submitted. August 20. 1997




H.2

Page 8

August 17, 1997 to August 23, 1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Minneapolis
Murray County State Bank, Slayton, Minnesota —report on competitive factors o f
the proposed acquisition o f certain assets and assumption o f the deposit liabilities o f
the Waseca, Minnesota, branch o f the Family Bank, fsb, Mankato, Minnesota.
- Submitted, August 22, 1997
Minneapolis
Northern National Bank, International Falls, Minnesota —report on competitive
factors o f the proposed merger with Norwest Interim Bank Falls, National
Association.
- Submitted, August 21, 1997
Cleveland
Oak Hill Banks, Jackson, Ohio —report on competitive factors o f the proposed
merger with Unity Savings Bank, McArthur, Ohio.
- Submitted, August 20, 1997
Cleveland
Peoples Exchange Bank o f Beattyville, Beattyville, Kentucky —report on
competitive factors o f the proposed purchase o f certain assets and assumption o f the
liabilities o f the Stanton, Kentucky, office o f Pioneer Federal Savings Bank,
Winchester, Kentucky.
- Submitted, August 22, 1997
Cleveland
PNC Bank, FSB, Vero Beach, Florida -- report on competitive factors o f the
proposed acquisition o f certain assets and assumption o f certain liabilities o f PNC
Bank, NA, Pittsburgh, Pennsylvania.
- Submitted. August 20, 1997
Cleveland
Reliable Savings and Loan Association, Bridgeville, Pennsylvania, dba Reliable
Savings Bank —report on competitive factors o f the proposed merger with First
Commonwealth Bank.
- Submitted, August 22, 1997
Cleveland
Signal Bank, NA, Wooster, Ohio —report on competitive factors o f the proposed
purchase o f seven offices o f KeyBank, NA, Cleveland, Ohio.
- Submitted, August 20,1997




Page 9

H.2
August 17, 1997 to August 23, 1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Secretary
Six Rivers National Bank, Eureka, California -- report on competitive factors of the
proposed acquisition o f four branches o f Bank o f America National Trust and
Savings Association, San Francisco, California.
- Submitted, August 22, 1997
New York
Skylands Community Bank, Independence Township, New Jersey —report on
competitive factors o f the proposed acquisition o f certain assets and assumption of
the liabilities o f a branch o f First Union National Bank, Avondale, Pennsylvania.
- Submitted, August 21,1997

EXTENSIONS OF TIME
San Francisco
Asahi Bank, Ltd., Tokyo, Japan -- extension to September 30, 1997, to file certain
information in the Annual Report o f Foreign Banking Organizations (FR Y-7).
- Granted, August 18, 1997
Boston
Falmouth Bancorp, Inc., Falmouth, Massachusetts —extension to acquire Falmo
Co-operative Bank.
- Granted, August 22, 1997
Dallas
Medina Bankshares, Inc., D'Hanis, Texas —extension to November 22,1997, to
acquire Medina Financial, Inc., Carson, City, Nevada, and D'Hanis State Bank,
D'Hanis, Texas.
- Granted, August 20, 1997
Secretary
Sections 23A and 23B o f the Federal Reserve Act -- extension o f comment period to
October 3,1997, on a proposal to apply both sections to transactions between a
member bank and certain subsidiaries (Docket R-0977).
- Granted, August 20, 1997
Boston
UFS Bancorp, Whitinsville, Massachusetts —extension to acquire Unibank For
Savings.
- Granted, August 19, 1997




Page 10

H.2
August 17, 1997 to August 23, 1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
MEMBERSHIP
Kansas City
First Bank of Hennessey, Hennessey, Oklahoma —to become a member of the
Federal Reserve System.
- Approved, August 21, 1997

RESERVE BANK OPERATIONS
General Counsel
Federal Reserve Bank uniform operating circulars —uniform operating circulars
entitled Automated Clearing House Items and Collection o f Cash Items and
Returned Checks.
- Approved, August 19, 1997
General Counsel
Federal Reserve Bank uniform operating circulars —operating circulars entitled
Book-Entry Securities Account Maintenance and Transfer Services and Funds
Transfers Through Fedwire.
- Approved. August 19, 1997




FEDERAL RESERVE BANK OF BOSTON A PPLICATIONS

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

Mutual Bancorp of the
Berkshires, Inc.,
Pittsfield, Massachusetts 3 ( a ) (1)/3(a)(3) application
to acquire City Savings
Bank of Pittsfield,
Pittsfield, Massachusetts
and Lee National Banc Corp.,
Lee, Massachusetts*

Newspaper

9-18-97

Federal Register

9-19-97

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

Application

NONE
SECTION TV - APPLICATIONS NOT SUBJECT TO
FEDERAL REGISTER OR NEWSPAPER NOTICE
Application
NONE
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Institution

Examination Date

Rating**

NONE
SECTION VT - APPLICATIONS BULLETIN
Effective April 21, 1997, information regarding the comment periods associated with
applications and notices submitted to the Federal Reserve Bank of Boston for
processing under section 3 and 4 ( c ) (8) of the Bank Holding Company Act of 1956, as
amended, will be available 24 hours a day by calling the following
toll-free number 1-800-896-9480.
♦Subject to CRA.
♦♦Rating Definitions:
"0" - Outstanding; "S" - Satisfactory;
Improve; "SN" - Substantial Noncompliance




"N" - Needs to

FEDERAL RESERVE BANK OF NEW YORK
Comment Period
Ending Date
SECTION I
Applications Subject to Newspaper
_____ Notice Only_____
Summit Bank, Hackensack, New Jersey, to establish branches at the
Pathmark supermarkets located at: 1) 498 E.30th Street, Paterson,
New Jersey; and 2) Plaza 46, Route 46 W., W.Paterson, New Jersey;
and at the Shop Rite supermarkets located at: 3) Route 45 & Parkville
Station Road, W.Deptford, New Jersey; and 4) 1224 Blackwood-Clementon
Road,Clementon, New Jersey A!

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

SECTION III
Nonbanking Applications
(subject to Federal Register Notice Only 1
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 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 o f its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.




09/14/97

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 23.1997
NAME OF BANK

RATING

None

1/ Subject to provisions o f Community Reinvestment Act.
2/ Later o f 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




EXAMINATION PATE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER
NOTICE ONLY
NONE
SECTION II - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEWSPAPER
AND FEDERAL REGISTER NOTICE
NONE
SECTION III - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL
REGISTER NOTICE ONLY
NONE
SECTION IV - 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 22, 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

Examination Date

CRA Rating

NONE

NONE

NONE




District
Federal Reserve Bank of Cleveland
A p plications and notifications filed during the w eek endin g 8/23/97

S ection I - A p p lica tio n s su b je c t to n e w sp a p e r n o tice only

Type

A p p lic a tio n

E n din g d a te o f
com m en t p e r io d

NONE

Footnotes

S ection II - A p p lica tio n s su b je c t to b o th n e w sp a p e r a n d F e d e ra l R e g iste r n o tice

Type

A p p lic a tio n

E ndin g d a te o f
com m en t p e r io d

NONE

Footnotes

S ection III - A p p lica tio n s su b je c t to F e d e ra l R e g iste r notice only
Type

A p p lic a tio n

E ndin g d a te o f
com m ent p e r io d

NONE

Footnotes

S ection IV - A p p lica tio n s not su b je c t to F e d e ra l R e g iste r o r n e w sp a p e r notice

Type

A p p lic a tio n
NONE

Footnotes




E ndin g d a te o f
com m en t p e r io d

Section V - A va ila b ility o f C R A public evaluations

Description o f the CRA Goal against which institutions are evaluated, the four performance levels, and the
institutions for which an evaluation is publicly available.
T he CRA requires a periodic evaluation o f each covered institution regarding the extent to w hich it has
ascertained, and helped m eet, the credit needs o f its entire delineated com m unity, including low- and m oderateincom e neighborhoods, in a m anner consistent w ith its resources and capabilities.
The federal bank regulators use the follow ing four perform ance levels to rate an institution’s perform ance under
CRA.:
O u ts ta n d in g
S a tisfac to ry
N eeds to Im p ro v e
S u b s ta n tia l n o n c o m p lia n c e

RSSD
num ber

934114

Footnotes




In stitu tio n / L ocation

The Commercial Bank
230 E. Second Street
Delphos, OH 45833

E xam ination
d a te

CRA
p u b lic d a te

CRA
ra tin g

6/16/97

8/23/97

Satisfactory

Section V I - C R A examinations scheduled fo r Fourth Q u a rte r o f 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, 701 S. Market Street, Danville, OH 43014-0050

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 Metamora State Bank

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

The Minster 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

SggtlQA - -Jteplic^igns „Subis.sA.Mswspapsx
I
Notice Only
Application

Comment; period,
Ending Pate

First Virginia Bank-Clinch Valley,
Richlands, Virginia, to merge with
Premier Bank, National Association,
Tazewell, Virginia.*

9-17-97

First Virginia Bank-Mountain Empire,
Damascus, Virginia, to merge with
Premier Bank-Central, N.A., Honaker,
Virginia.*

9-17-97

Se.fif H
g c l -11 - ,
Applications.,ubject to.
S
.
Both
Newspaper and Federal Register Notice
Application

gQmmgnt-.PerlQd.Ending Date

Wachovia Corporation, Winston-Salem,
North Carolina, to acquire First United
Bancorp, Boca Raton, Florida.*

9-15-97**

Carolina First Corporation, Greenville,
South Carolina, to acquire First South­
east Financial Corporation, Anderson,
South Carolina.*

9-15-97

First Union Corporation, Charlotte, North
Carolina, to acquire Signet Banking
Corporation, Richmond, Virginia.*

9-19-97**

Wachovia Corporation, Winston-Salem,
to acquire Central Fidelity Banks, Inc.,
Richmond, Virginia.*

9-19-97

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

None.

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






Feasferfri R eserve Rank.. of.. RichirtQhfl

Section IV - Application Not Subject to
Federal Register Notice or Newspaper Notice
Application
Wachovia Corporation, Winston-Salem,
North Carolina, to establish a branch
in London, Eng1and.

Federal Reserve Bank of Richmond
Section V - Availability of CRA Public Evaluations
Week ending August 22, 1997

Definition of Ratings
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner 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
612720




Name of Bank
Commercial and Farmers Bank
8593 Baltimore National Pike
Ellicott City, Maryland 21043-4202

Examination
____Date___

6-2-97

Rating

Satisfactory

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending August 22. 1997
Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Caja de Ahorros de Valencia, Castellon y Alicante, Bancaja

09-1 5- 97*

Valencia, Spain
To establish an international agency in Miami, Florida.
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

Regions Financial Corporation
09-15-97*
Birmingham, Alabama
Federal Register
To acquire Griffin Federal Savings Bank, Griffin, Georgia, and thereby engage in operating a
savings association, pursuant to Section 225.28(b)(4)(H) of Regulation Y and Section 4(c)(8) of the
Bank Holding Company Act.
Landmark Bancorp, Inc.
Margate, Florida
1-BHC formation, Sunniland Bank, Fort Lauderdale, Florida.

09-19-97*
Federal Register

Section 3 - Applications Subject to Federal Register Only
Application

Comment Period Ending Date

None.
Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Provident Bank of Florida
Apollo Beach, Florida
Application for authority to exercise trust powers.

♦Subject to provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending August 22. 1997
Section 10 - Availability of CRA Public Evaluations
The CRA public evaluations of the insured depository institutions listed below became available
during this week. Information about an institution's CRA evaluation may be obtained directly from
the institution. In connection with the assessment of an institution's CRA performance, a rating is
assigned from the following groups:
Outstanding record of meeting community credit needs: An institution has an outstanding record
of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and 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
substantial ly deficient 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.

B ank

CRA R ating

E xam ination Date

Citizens Trust Bank
Post Office Box 4485
Atlanta, Georgia 30302
(404) 659-5959

Satisfactory

04-14-97




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending August 22.1997

Recently Approved Applications

Approval Date

Colonial Bank
08-20-97
Montgomery, Alabama
To merge with Dadeland Bank, Miami, Florida, pursuant to Section 18(c) of the Federal Deposit
Insurance Act.
Compass Bank
08-20-97
Birmingham, Alabama
To merge with Compass Bank, Jacksonville, Florida, puruant to Section 18(c) of the Federal Deposit
Insurance Act.
Big Lake Financial Corporation
08-21-97
Okeechobee, Florida
To merge with CNB Financial Corporation, and thereby directly acquire Clewiston-National Bank,
both of Clewiston, Florida, pursuant to Section 3(a)(5) of the Bank Holding Company Act.
The Commercial Bancorp, Inc.
08-20-97
Ormond Beach, Florida
1-BHC formation, Commercial Bank of Volusia County, Ormond Beach, Florida (in organization).
United Community Banks, Inc.
08-20-97
Blairsville, Georgia
To merge with First Clayton Bancshares, Inc., Clayton, Georgia, and thereby directly acquire First
Clayton Bank & Trust Company, Clayton, Georgia, pursuant to Section 3(a)(5) of the Bank Holding
Company Act.
Tri-Parish Bancshares, Ltd.
08-21-97
Eunice, Louisiana
Change in control notification by Mr. Harold Edwin McGlasson, Ms. Karen Jane Veillon
McGlasson, and Voorhies & Labbe Profit Sharing Plan to increase their ownership to 32.35 percent
of the outstanding shares of Tri-Parish Bancshares, Ltd., Eunice, Louisiana.
Pioneer Bancshares, Inc.
08-21 -97
Chattanooga, Tennessee
To acquire Pioneer Bank, f.s.b., Chattanooga, Tennessee, 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.




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

Type

Application

Branch

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

NP - 8-18-97

Merger & Branch

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
Dickey ville, Wisconsin

NP - 8-28-97

Merger & Branch

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

j f _ **
Sp

Branch

Prairie Bank and Trust Company
Bridgeview, Illinois
Comer of 179th Street and Southwest Highway
Orland Park, Illinois

NP - 8-30-97

Branch

First American Bank
Kankakee, Illinois
Northwest comer of Naperville Road and Boughton Road
Bolingbrook, Illinois

NP - 8-26-97




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

IXES

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

Merger & Branch

F&M Bank-Portage County
Stevens Point, Wisconsin
Antigo branch of Security Bank, S.S.B.
Antigo, Wisconsin
to establish a branch at 724 Fifth Avenue
Antigo, Wisconsin

N P - **

Branch

Old Kent Bank
Grand Rapids, Michigan
17447 Haggerty Road
Northville, Michigan

NP - 6-29-97

Branch

Old Kent Bank
Grand Rapids, Michigan
University Road and Adams Road
Rochester Hills, Michigan

NP - 6-29-97

Branch

Old Kent Bank
Grand Rapids, Michigan
1495 Rochester Road
Rochester, Michigan

NP - 6-29-97

Branch

Old Kent Bank
Grand Rapids, Michigan
Petoskey Independence Village
965 Hager Drive
Petoskey, Michigan

NP - 7-20-97




Federal Reserve Bank of Chicago
Section I - Applications Subject to Newspaper
Notice Only cont’d
Type

Application

Comment Period
Ending Date

Branch

Old Kent Bank
Grand Rapids, Michigan
4668 Cascade Road S.E.
Grand Rapids, Michigan

NP - 6-16-97

Branch

Citizens Bank and Trust Company
Hudson, Iowa
209 West Fifth Street
Waterloo, Iowa

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



NP - 9-13-97

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

lype

Application

CoC-HC

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

FR - 9-3-97
NP - **

CoC-HC

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

FR - 8-28-97
NP - **

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
NP - 8-15-97

3(a)(1)

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

FR - 9-12-97
NP - 9-8-97

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

FR - 8-29-97
NP - 8-29-97




Ending Date

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

Type

Application

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




Comment Period
Ending Date
FR - 8-29-97
NP - 8-25-97

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

Type

Application

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

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 V - Availability of CRA Public Evaluations
corn’d

BANK NAME/LOCATION

EXAMINATION DATE

Titonka Savings Bank
173 Main Street North
P.O. Box 309
Titonka, Iowa 50480-0309
(515) 928-2142
RSSD #334648

5/12/97




RATINGS
S

RESERVE B A N K APPLICATIONS BULLETIN

For week ending August 22 , 1997

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

End of Comment Period

* Section 9 notification by Union Bank of Illinois,
Swansea, Illinois, to establish a branch at 2200 Troy
Road, Ed wards ville, Illinois.

9-18-97

* Section 9 notification by Belgrade State Bank, Potosi,
Missouri, to transfer the bank’s main office designation
from its Potosi, Missouri facility to an existing facility
located in Belgrade, Missouri, and to redesignate the
Potosi, Missouri facility as a branch office.

9-2-97

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

End of Comment Period

None.

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 CB&T Bancshares,
Inc., Marks, Mississippi, to acquire Citizens Bank
& Trust Company, Marks, Mississippi.

N/A

* This notification is subject to CRA.



RESERVE B A N K APPLICATIONS BULLETIN

For week ending August 22, 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
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 RSSD
Number
None




Name of Bank

Bank Address

Examination
Date

Examination
Rating

RESERVE BAN K APPLICATIONS BULLETIN

For week ending

SECTION VI - 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.

RSSD
Number




Name

City

State

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

Application
First Interstate Bank, Billings, Montana to establish a
branch in Helena, Montana. *

August 31,1997

First Interstate Bank, Billings, Montana to establish
a branch in Great Falls, Montana. *

August 24,1997

First Interstate Bank, Billings, Montana to establish a
branch in West Yellowstone, Montana. *

August 24,1997

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

Application
Union Bancshares, Inc., Fargo, North Dakota for prior
approval to become a bank holding company through the
acquisition o f 84.S6% o f the voting shares o f Union State
Bank, Fargo, North Dakota. *

September 15, 1997
(Federal Register)

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

September 18,1997
(Federal Register)

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

September 18,1997
(Federal Register)

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

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



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability o f
CRA Public Evaluations
week ending August 22,1997

ASSIGNMENT OF RATING
Identification o f Ratings
In connection with the assessment o f 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 o f 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 o f ascertaining and helping to meet the credit needs
o f its entire delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group needs to improve its overall record o f ascertaining and helping to meet the
credit needs o f its entire delineated community, including low- and moderate-income neighborhoods, in
a manner consistent with its resources and capabilities.
SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient record o f ascertaining and helping to meet the
credit needs o f its entire delineated community, including low-and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.

BANK(S EXAMIN ED
)

DATE OF EXAMINATI
ON

CRA RATING

Victoria State Bank
1630 Arboretum Boulevard
Victoria, MN 55386
(612) 443-2491

May 27, 1997

Satisfactory




Federal Reserve Bank of Kansas City

Week Ending August 22, 1997

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY

APPLICATION

COMMENT PERIOD ENDING DATE

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

CO

[PERIOD ENDING DATE

FirstBank Holding Company of Colorado, Lakewood,
Colorado, for prior approval to acquire 100 percent of
the voting shares of FirstBank of Parker, Parker,
Colorado, a d£ novo bank in organization.*

September 19, 1997

Imogene Metcalf, and Charles W. Butler, both of
Hooker, Oklahoma; for prior approval to acquire
voting shares of Hooker National Bancshares, Inc.,
Hooker, Oklahoma, and thereby indirectly acquire
First National Bank, Hooker, Oklahoma.

September 10, 1997

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 shares of B-K Agency,
Inc., Hardtner, Kansas, and thereby indirectly acquire
The Farmers State Bank, Hardtner, Kansas.

September 10,1997

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY

APPLICATION
None.




COMMENT PERIOD ENDING DATE

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

APPLICATION
State Bank of Burden, Burden, Kansas, for prior
approval to become a member in the Federal Reserve
System.
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.




Bank/Location
Eaton Bank
100 Oak Avenue
Eaton, Colorado 80616

RSSD#

Exam Date

CRA Public
Date

83450

6-9-97

8-22-97

*Application is subject to CRA.




CRA
Rating
Outstanding

District 11
Federal Reserve Bank of Dallas
A pplications and N otifications F iled D uring the W eek o f A ugust 18, 1997

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

Type

Application

♦Section 3(a)(3)

Keene Bancorp, Inc., 401(K) Employee Stock Ownership
Plan & Trust, Keene, TX, to acquire Keene Bancorp, Inc.,
Keene, TX, and First State Bank of Keene, Keene, TX

**91/09/03

♦Section 3(a)(5)

First Financial Bankshares, Inc., Abilene, TX, to acquire
Southlake Bancshares, Inc., Southlake, TX, and
Texas National Bank, Southlake, TX

N/A

*♦97/08/28
Change in Control Citizens National Bank of Waxahachie Employee Stock
Notice
Ownership Plan, Waxahachie, TX, only notificant, to acquire
an interest in First Citizens Bancshares, Inc., Waxahachie,
TX
(Previously reported during the week of August 11,1997)
Change in Control Lacy J. Harber, Denison, TX, only notificant, to acquire an
Notice
interest in Marble Falls National Bancshares, Inc., Marble
Falls, TX
(Previously reported during the week of August 11,1997)
* Subject to CRA.
♦* Comment period ending date is the date specified in the newspaper only.
N/A - Not available at this time.




♦♦97/09/09

Federal Reserve Bank of Dallas
Section III - 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 community, 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
Institution

*N/A*
* Not Available.




Quarter of
Location

CRA
public date

CRA
rating

FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 8/22/97
Section I - Applications Subject to Newspaper Notice Only

Comment Period Ending Date

Application
None

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Saehan Bancorp, Los Angeles, California, to become a
bank holding company by acquiring Saehan Bank, Los
Angeles, California. *

Newspaper:

Not available

Fed. Reg.:

9/19/97

Zions Bancorporation, Salt Lake City, Utah, to acquire by
merger, GB Bancorporation, and its wholly-owned
subsidiary, Grossmont Bank, both of San Diego,
California. *

Newspaper:

9/21/97

Fed. Reg.:

9/25/97

Section HI -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.:

9/09/97

Section IV - Applications Not Subject to Federal Register Notice
or Newspaper Notice (Cont'd-l
Western Holdings Bancorp, Los Altos, California, to become a bank holding company by acquiring Bank
of Los Altos, Los Altos, California.

* Subject to CRA.



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 8/22/97
Section V - Availability o f 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

Rating*

None

*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.



H.2A
N t c o Formations and Mergers o,and A q i i i n b ,Bank Holding
oie f
f
custos y
Companies; Change i Bank Control
n
Notices Filed as of August 22,1997
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(l),
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. (b)(4);
providing credit life
insurance (b)(l 1);
management consulting
(b)(9); CONTINUED

1867 Western Financial
Corporation^),
Stockton, CA
CONTINUED
1867 Western Financial
Corporation, Stockton,
CA




Section of law

Reserve Bank

End of comment period

4

San Francisco

August 26, 1997

& investment & financial
advice (b)(6)

4

San Francisco

August 26, 1997

Capital Corp of the West,
Merced, CA & County
Bank, Merced, CA

3

San Francisco

September 2, 1997

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

Aq
c uireeo a t v t
r ciiy

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

Altus NBC Corporation,
Inc., Oklahoma City,
OK

NBC Corporation, Inc.,
Oklahoma City, OK, and
NBC Technologies, Inc.,
Oklahoma City, OK
providing data
processing services (b)(14)

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

Anderson Financial
Group, Inc., Golden
Valley, MN

Northern National Bank,
Nisswa, MN

3

Minneapolis

September 18,1997

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 BancCorp(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 (b)(4);
Appraisal Services, Inc.,
Milwaukee, WI performing
appraisals of real estate &
CONTINUED

4

Chicago

August 15, 1997




S c i no law Res r eBank
eto f
ev

End o comment p r o
f
eid

Applicant or notificant

Acquiree or activity

Associated BancCorp(2), Green Bay, WI
CONTINUED

tangible personal property
(bX2); & First Financial
Card Services Bank, N.A.,
Stevens Point, WI operating
a
credit card bank (bXO and
(2)

4

Chicago

August 15, 1997

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 (bX4)

4

Chicago

August 5, 1997

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

BBV Latlnvest Securities
Inc.,
New York, NY,
securities activities (bXO,
(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

San Francisco

June 9, 1997

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

Cash Station, Inc., Chicago,
IL in certain 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 (b)(3),
(bX4),and(bX7)

3 and 4

New York

March 14, 1997




Section of law

Reserve Bank

End of comment period

A p i a torn t f c n
plcn
oiiat

Acquireeo a t v t
r ciiy

BankAmerica
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.
C RS&Co., Inc.”),
worldwide in underwriting
& dealing in, to a limited
extent, all types of
CONTINUED

4

San Francisco

September 9, 1997

BankAmerica
Corporation^), San
Francisco, CA
CONTINUED

and other securities
activities

4

San Francisco

September 9, 1997

Banterra Corp,
Eldorado, IL

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

3

St. Louis

July 18,1997

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 (b)(14)

4

Richmond

September3, 1997

4

Richmond

September3, 1997

Barnett Banks, !nc.(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
Nat'l Corp.,
Washington, D.C.;
CONTINUED




S c i no law R s
eto f
e erveBank

End o comment p r o
f
eid

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

Aq
c uireeo a t v t
r ciiy

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

S c i no law Rese v Bank
eto f
re

End o comment p r o
f
eid

4

Richmond

September 3,1997

Barnett Banks, Inc.,
Jacksonville, FL

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

4

Atlanta

August 15,1997

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

and other securities and
related activities

4

Richmond

August 20,1997

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

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

September5,1997




A p i a torn t f c n
plcn
oiiat

Acquireeo a t v t
r ciiy

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, Biyan, 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, Cabot,
AR

3

St. Louis

July 11, 1997

Cabot Bankshares, Inc.,
Cabot, AR

The Capital Bank, Little
Rock, AR

3

St. Louis

August 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

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

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




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

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

dealing to a limited extent
in all types of 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 of credit
(bXi);
CONTINUED

4

New York

August 28, 1997

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

in activities related to
extending credit (b)(2); in
providing financial &
investment advisory
services (b)(6); in providing
securities brokerage,
riskless principal, private
placement, futures
commission merchant &
other agency transactional
CONTINUED

4

New York

August 28, 1997

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

services (b)(7); in
underwriting & dealing in
government obligations &
money market instruments,
providing investments &
trading services & buying
& selling bullion & realted
activities (b)(8)

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 (b)(4)(ii)

4

Richmond

September3, 1997

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

Western Oklahoma
Bancshares, Inc., Elk City,
OK, and Bank of Western
Oklahoma, Elk City, OK

CIBC

Kansas City

August 11, 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

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, W1

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

3

Minneapolis

August 25,1997

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

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

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

CIBC

Dallas

September 3,1997




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

Aq
c uireeo a t v t
r ciiy

Citizens National
Corporation, Paintsville,
KY

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

3

Cleveland

July 28, 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

St. 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 St.
Clair County, OTallon, IL

3

St. 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
(b)(4)

4

Cleveland

August 26, 1997

Community National
Bancorporation,
Waterloo, IA

Community National Bank
(in organization),
Waterloo, IA

3

Chicago

July 29, 1997




S c i no law Res r eBank
eto f
ev

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Ac u r eo a t v t
q i e r 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 (b)(6), 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
RaiffeistenBoerenleenbank,
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

'> *




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

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

GIBC

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)(l l)(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 Rese v Bank
eto f
re

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

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

The First National
Corporation of Aitkin, Inc.,
& T7ie 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 T l, Bethesda,
MD

CIBC

Richmond

July 15, 1997




S c i no law Rese v Bank
eto f
re

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
Sun 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 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 Fairland
Banshares, Inc.,
Fairland, OK

Fairland Holding Company,
Inc., Neosho,
MO

3

Kansas City

August 1, 1997

First Financial
Bankshares, Inc.,
Abilene, TX

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

3

Dallas

September 19, 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
(bXD

3 and 4

New York

August 18, 1997

First Midwest Bancorp,
Inc., Itasca, IL

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

3

Chicago

July 21, 1997




S c i no law R s r eBank
eto f
eev

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 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

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

Bank West (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

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




S c i no law R serveBank
eto f
e

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

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, IA

First State Bank, Ida Grove,
IA

3

Chicago

August 15, 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

First Union
Corporation^),
Charlotte, NC
CONTINUED

and other nonbanking
activities (b)(l l)(iv); (b)(5)
(b)(7), (b)(8), (b)(6)

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

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 (b)(1)

4

Chicago

August 26, 1997

Florida Bancshares, Inc.,
Dade City, FL

First National Bank of
Pasco,
Dade City, FL

3

Atlanta

April 21, 1997




S c i no law R s r eBank
eto f
eev

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

Frei, Robert L., Wagner,
SD

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

CIBC

Minneapolis

September 11, 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

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




S c i no law Res r eBank
eto f
ev

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

Harbor, Lacy J.,
Denison, TX

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

CIBC

Dallas

September 4,1997

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)(l1)

4

St. Louis

August 26,1997

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

Huntington Bancshares
Incorporated(l),
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(2),
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




S c i no law Res r eBank
eto f
ev

End o comment p r o
f
eid

Applicant or notificant

Acquiree or activity

Huntington Bancshares
Incorporated^),
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

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

International
Bancorporation, Golden
Valley, MN

Northern National Bank,
Nisswa, MN

3

Minneapolis

September 18, 1997




Section of law

Reserve Bank

End of comment period

A p i a torn t f c n
plcn
oiiat

A quireeora t v t
c
ciiy

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.; Jackson
Boulevard Equities, L.P.
& Paul J. Duggan, all of
Chicago, IL

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

CIBC

Chicago

September 3,1997

Jacobsen, Sam J.,
Middleton, WI

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

CIBC

Chicago

August 28, 1997

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




S c i no law R s
eto f
e erveBank

End o comment p r o
f
eid

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

Aq
c uireeo a t v t
r ciiy

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)
CONTINUED ,

4

Cleveland

August 1, 1997

KeyCorp(2), Cleveland,
OH
CONTINUED

& engaging in certain
investment transactions &
principal (b)(6), (7)& (8)

4

Cleveland

August 1, 1997

KeyCorp(A), 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

KeyCorp(B), Cleveland,
OH
CONTINUED

75 Fed. Res. Bull. 192
(1989); financial &
investment advisory
activities (b)(6); agency
transactional services for
customer investments
(b)(7); and investment
transactions as principal
(b)(8)

4

Cleveland

August 11, 1997

Keystone Financial,
Inc., Harrisburg, PA

MMC & P, Inc., Pittsburgh,
PA employee benfits
consulting services (b)(9)

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




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

Acquireeora t v t
ciiy

Lagomarsino, Richard
A.; Lagomarsino,
Ramona; Ramona
Lagomarsino Family
Limited Partnership;
Lagomarsino, Robert J.,
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

CIBC

San Francisco

August 20,1997

Landmark Bancorp,
Inc., Margate, FL

Sunniland Bank, Fort
Lauderdale, FL

3

Atlanta

September 19,1997

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

IAI Holdings Inc.,
Investment Advisers, Inc.,
Minneapolis, MN, trust
services (bX3); investment
advisory services (bX4);
full-service brokerage
(bX15); foreign exchange
execution & advisory
services, and other advisory
& administrative services

4

New York

March 26,1997




S c i no law R serveBank
eto f
e

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

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, IA

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

Marshall & Ilsey
Corporation,
Milwaukee, WI

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

3

Chicago

May 5,1997

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

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

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

St. Louis

July 24, 1997

Midwest Community
Bancshares, Inc.,
Marion, IL

The Bank of Marion,
Marion, IL

3

St. 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




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 quireeora t v t
c
ciiy

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

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

C1BC

Kansas City

June 26,1997

Murfreesboro Bancorp,
Inc., Murfreesboro, TN

Bank of Murfreesboro,
Murfreesboro, TN

3

Atlanta

July 18, 1997

Mutual Bancorp of the
Berkshires, Inc.,
Pittsfteld, 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
Bancshares, Inc.,
Evansville, IN

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

3

St. Louis

June 6,1997

National City
Corporation, Cleveland,
OH, acting through its
wholly-owned
subsidiary, National
Processing, Inc.,
Louisville, KY

Caribbean Data Services,
Ltd., Dallas, TX in data
processing activities
(b)(14); See Banc One
Corp. 80 Fed. Res. Bull 139
(1994)

4

Cleveland

September 9, 1997

NationsBank
Corporation 1),
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




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

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)); and other
securities and realted
activities (bX8),(bX6),&
(bX7)

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 f t Eisenhower
National Bank, San
Antonio, TX

3

Dallas

September 4,1997

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
o f Kenedy, Kenedy, TX

3

Dallas

September 2,1997

North Fork
Bancorporation, Inc.,
Melville, NY

Branford Savings Bank,
Branford, CT

3

New York

September 18,1997

Northside Banking
Corporation, Tampa, FL

Northside Bank o f 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




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

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 (bX14)

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'! 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

■

Minneapolis

September 2,1997

NSB Holding Corp.,
Staten Island, NY

Check Depot, Staten Island,
NY in check cashing, See
Midland Bank Tl, 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,
Ml

3

Chicago

August 15, 1997

Olympic Bancorp, Port
Orchard, WA

Kitsap Bank, Port Orchard,
WA

3

San Francisco

September 19,1997




S c i no law R s r eBank
eto f
eev

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

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

Anchor Savings Bank, .
F.S.B., St. Petersburg, FL
operating a savings
association (bX4)

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

PBT Bancshares. Inc.,
McPherson, KS

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

3

Kansas City

June 6,1997

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

Fanners Bank of Malone,
Malone, FL

3

Atlanta

July 14, 1997




S c i no law Res r eBank
eto f
ev

End o comment p r o
f
eid

A p i a torn t i c n
plcn
oiiat

Acquireeo a t v t
r ciiy

Peoples Community
Bancshares, Inc.,
Colquitt,
GA

Farmers Bank o f Malone,
Malone, FL

3

Atlanta

August 11,1997

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

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
o f Delaware, Inc.,
Wilmington, DE

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

3

Dallas

August 14,1997

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

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

CIBC

Kansas City

September 10,1997

Premier Financial
Bancoip, 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




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

Proffitt, Richard Todd,
Pigeon Forge, TN

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

CIBC

Atlanta

Augusts, 1997

Progress Bancshares,
Inc., Sullivan, MO

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

3

St. Louis

August 8, 1997

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

Regions Financial
Corporation,
Birmingham, AL

Griffin Federal Savings
Bank, Griffin, GA operating
a savings association (b)(4)

4

Atlanta

September 15,1997

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

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)(4Xii)

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




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

Applicant or notificant

Acquiree o r activity

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

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 o f Madrid, Spain

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

3

New York

September 10,1997

Security Bancshares,
Inc.,
Scott City, KS

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

3

Kansas City

June 20,1997

Security State
Corporation,
Centraiia, WA

Security State Bank,
Centraiia, 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




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

Acqu r eo a t v t
i e r ciiy

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

Augusts, 1997

Sterling Bancshares,
Inc., Houston, TX

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

3

Dallas

July 21, 1997

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 Generale de
Belgique, Brussels,
Belguim; and Generale
de Banque, Brussels,
Belguim

Harbor Capital
Management, Inc., Boston,
MA investment advisory
activities (b)(6); investment
transactions as principal
(b)(8); & 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




S c i no law R s
eto f
e erveBank

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

TNB Bancorporation,
Inc., Brenham, TX, and
TNB
Bancoiporation 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

Union Bancshares, Inc.,
Fargo, ND

Union State Bank of Fargo,
Fargo, ND

3

Minneapolis

September 15,1997

Union Planters
Corporation 1),
Memphis, TN
CONTINUED

Magna Bancorp, Inc.,
Hattiesburg, MS, &
Magnolia Federal Bank for
Savings, Hattiesburg, MS
indirectly
acquiring a federal savings
bank (bX4); & Magna
Mortgage Co., Hattiesburg,
MS originating & servicing
mortgage loans 00(1)
CONTINUED

4

St. Louis

August 15, 1997

Union Planters
Corporation^),
Memphis, TN
CONTINUED

& in providing real estate
appraisal & inspection
services (b)(2)

4

St. Louis

August 15, 1997

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 (bX4Xii)

4

St. Louis

September 4,1997

United Bankshares, Inc.,
Charleston, WV

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

3

Richmond

June 16, 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

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

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

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

3

Richmond

September 15,1997

Wachovia Corporation,
Winston-Salem, NC

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

3

Richmond

August 18, 1997

Western Bank,
Albuquerque, New
Mexico ESOP Sc 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 Sc
Community State Bank,
Houston, TX

CIBC

Dallas

August 26,1997

Young, David E.,
Chattanooga, TN

East Ridge
Bancshares, Inc., East
Ridge, TN, and Bank of
East Ridge, East Ridge, TN

CIBC

Atlanta

July 22,1997




S c i no law Res r eBank
eto f
ev

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

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

Zions Bancorporation,
Salt Lake City, UT

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

3

San Francisco

September 15,1997

Zions Bancorporation,
Salt Lake City, UT

GB Bancorporation, San
Diego, CA & Grossmont
Bank, San Diego, CA;
Rancho Vista National
Bank, Vista, CA & Pacific
Commerce Bank, Chula
Vista, CA

3

San Francisco

September 22,1997




S c i no law R serveBank
eto f
e

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, 1L
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, Secretaiy, 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 St. 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 o I f r a i nO f c ( EL:2 2 4 2 3 8 ;FAX: 2 2 8 2 7 6 ,an 2 2 8 2 7 6 )
f nomto fie T
0-5-64
0-7-52 d 0-7-55




H.2A
N t c o Formations and Mergers o,and A q i i i n b ,Bank Holding
oie f
f
custos y
Companies; Change i Bank Control
n
Notices Filed since the H.2A dated August 22,1997
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

Bank Capital
Corporation, Strasburg,
CO

Guaranty Corporation,
Denver, CO

3

Kansas City

September 26,1997

Centre 1 Bancorp, Inc.,
Beloit, WI

First Winnebago
Corporation, Winnebago,
IL & First National Bank of
Winnebago

3

Chicago

September 26,1997

New Amboy, Inc., Old
Bridge, NJ

Amboy Bancorporation,
Old Bridge, NJ & Amboy
National Bank, Old Bridge,
NJ

3

New York

September 26,1997

Peoples Commercial
Bancorp, Inc., Stilwell,
OK

Bank of Commerce,
Stilwell, OK & Peoples
Bank, Westville, OK

3

Kansas City

September 26,1997

Prestige Financial Corp.,
Flemington, NJ

PSC Financial Services,
Inc., Flemington, NJ
securities brokerage
activities (bX?(i)

4

New York

September 16,1997




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

Acquireeo a t v t
r ciiy

Spectrum
Bancorporation, Inc.,
Omaha, NE

First Savings & Loan
Association of South
Dakota, Inc., Aberdeen, SD
in the operation of a savings
association (b)(4)

4

Minneapolis

September 26,1997

Texas Financial
Bancorporation, Inc.,
Minneapolis, MN &
Delaware Financial,
Inc., Wilmington, DE

CNB Bancshares of
Victoria, Victoria, TX &
Citizens Bancorp of
Delaware, Inc.,
Wilimington, DE &
Citizens National Bank,
Victoria, TX

3

Dallas

September 26,1997

UST Corp. Boston, MA
CORRECTION

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

4

Boston

Septembers, 1997

Wachovia Corporation,
Winston-Salem, NC

Central Fidelity Banks,
Inc., & Central Fidelity
National Bank, Richmond,
VA; Central Fidelity
Insurance Agency,
Inc., Richmond, VA acting
as an agent or broker in the
sale of credit related
insurance (b)(l 1)

3 and 4

Richmond

September 26,1997




S c i noflaw ReserveBank
eto

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 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 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 St. 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 Governors o t eF d r lR serveSystem
f
f h eea e
Freedom o I f r a i nO f c ( E : 2 2 4 2 3 8 ;FAX: 2 2 8 2 7 6 ,a d2 2 8 2 7 6 )
f nomto fie T L 0 - 5 - 6 4
0-7-52 n 0-7-55




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