View original document

The full text on this page is automatically extracted from the file linked above and may contain errors and inconsistencies.

Federal R eserve Release
H.2

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

No. 35

Week Ending August 30,1997

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




No. 35
ACTIONS TAKEN BY THE BOARD OF GOVERNORS
BANK HOLDING COMPANIES
Firstar Corporation, Milwaukee, Wisconsin —no objection to naming the
investment companies it advises The Firstar Funds.
- Permitted, August 27,1997
CHANGE IN BANK CONTROL
Greater Pacific Bancshares, Whittier, California —change in bank control.
- Permitted, August 25, 1997
REGULATIONS AND POLICIES




Regulation J —amendments to provide for interstate branching and single account
structure.
- Approved, August 27,1997

H.2
August 24, 1997 to August 30, 1997

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

BANK BRANCHES, DOMESTIC
St. Louis
Bank of Bentonville, Bentonville, Arkansas —to establish a branch at 1802 Forest
Hills Boulevard, Bella Vista, Arkansas.
- Approved, August 29,1997
New York
Chase Manhattan Bank, New York, New York —to establish a branch at the New
York Mercantile Exchange, One North End Avenue.
- Approved, August 28,1997
Chicago
First Farmers Bank & Trust Company, Converse, Indiana —to establish a branch at
36 West Fifth Street, Peru, Indiana.
- Approved, August 25,1997
St. Louis
First Interstate Bank, Billings, Montana -- to establish a branch in Great Falls,
Montana.
- Approved, August 29,1997
Chicago
Firstar Bank Wisconsin, Madison, Wisconsin —to establish a branch at East Pointe
Shopping Center, 5673 Highway 10 East, Stevens Point, Wisconsin.
- Approved, August 28,1997
St. Louis
Le Sueur State Bank, Le Sueur, Minnesota -- to establish a branch in Cloquet,
Minnesota.
- Approved, August 28,1997
Chicago
Old Kent Bank, Grand Rapids, Michigan -- to establish a branch at University Road
and Adams Road, Rochester Hills, Michigan.
- Approved, August 25,1997




H.2

Page 2

August 24, 1997 to August 30, 1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Old Kent Bank, Grand Rapids, Michigan -- to establish a branch at 1495 Rochester
Road, Rochester, Minnesota.
- Approved, August 25, 1997
Old Kent Bank, Grand Rapids, Michigan - to establish a branch at 17447 Haggerty
Road, Northville, Michigan.
- Approved, August 25,1997
Old Kent Bank, Grand Rapids, Michigan -- to establish a branch at Petoskey
Independence Village, 965 Hager Drive., Petoskey, Michigan.
- Approved, August 26,1997
Old Kent Bank, Grand Rapids, Michigan -- to establish a branch at 4668 Cascade
Road S.E.
- Approved, August 26,1997
St. Louis
Pinnacle Bank, Little Rock, Arkansas —to establish a branch at 143 Merrill Drive,
Suite B.
- Approved, August 26,1997
Dallas
Texas Bank, Weatherford, Texas -- to establish a branch at 2221 East Lamar
Boulevard, Suite 100, Arlington, Texas.
- Approved, August 29,1997
BANK HOLDING COMPANIES
Atlanta
CB&T, Inc., McMinnville, Tennessee —to retain CBT Insurance, Inc., Smithville,
Tennessee, and engage in insurance activities.
- Permitted, August 27,1997
Atlanta
Colonial Bancgroup, Inc., Montgomery, Alabama -- to merge with Dadeland
Bancshares, Inc., Miami, Florida, and acquire Dadeland Bank.
- Approved, August 27,1997




H.2

Page 3

August 24, 1997 to August 30, 1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Colonial Bancgroup, Inc., Montgomery, Alabama - to acquire Dadeland Software
Services, Miami, Florida, and engage in data processing computer software
activities, and related consulting service activities.
- Permitted, August 27,1997
St. Louis
Community Financial Corp., Olney, Illinois -- to acquire Egyptian Bancshares, Inc.,
Carrier Mills, Illinois, and The Egyptian State Bank.
- Approved, August 27,1997
New York
First Financial Caribbean Corporation, San Juan, Puerto Rico —to become a bank
holding company in connection with the proposed conversion of Doral Federal
Savings Bank to a nonmember commercial bank; and by FFCC to continue to
engage in mortgage lending activities through Doral Mortgage Corporation, Hato
Rey, Puerto Rico.
- Approved, August 26,1997
First Financial Caribbean Corporation, San Juan, Puerto Rico -- to retain AAA
Financial Services Corporation; RSC Corp; and Centro Hipotecario de Puerto Rico,
all of Hato Rey; and for FFCC to retain its investments in H-R-U-Data Center Inc.;
and Puerto Rico Island Limited Dividend Partnership, SE, both of San Juan, Puerto
Rico.
- Approved, August 26,1997
Chicago
First State Bancshares, Inc., Ida Grove, Iowa —to acquire First State Bank.
- Approved, August 27,1997
Chicago
Firstbank of Illinois Co., Springfield, Illinois —to acquire shares of Geneva Capital
Corp., and engage in lending activities.
- Approved, August 28,1997
St. Louis
Hardin County Bancshares, Inc., Savannah, Tennessee - to engage in general
insurance agency activities through the acquisition of Majors Insurance Agency,
Inc., Adamsville, Tennessee.
- Permitted, August 29,1997




H.2
August 24, 1997 to August 30, 1997

Page 4

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Atlanta
Leake Family Partnership, L.P., Jackson, Mississippi —to retain shares of Citizens
Capital Corporation, Magee, Mississippi.
- Permitted, August 29,1997
St. Louis
Maries County Bancorp, Inc., Vienna, Missouri -- to acquire shares of Progress
Bancshares, Inc., Sullivan, Missouri, and Progress Bank of Sullivan.
- Approved, August 27,1997
Atlanta
Murfreesboro Bancorp, Inc., Murfreesboro, Tennessee -- to acquire Bank of
Murfreesboro.
- Approved, August 27,1997
Richmond
NationsBank Corporation, Charlotte, North Carolina —to acquire NationsBank,
National Association (Glynn County), Brunswick, Georgia.
- Approved, August 28,1997
New York
NSB Holding Corp., Staten Island, New York —to engage de novo in cashing of
federal, state, and local government benefit checks through Check Depot.
- Permitted, August 29,1997
New York
Pathfinder Bancorp, MHC, Oswego, New York, and Pathfinder Bancorp —
Pathfinder MHC to acquire shares of Pathfinder Bancorp and for the latter to acquire
shares of Oswego City Savings Bank.
- Approved, August 29,1997
Kansas City
Stockmens Financial Corporation, Rushville, Nebraska -- to engage de novo in the
nonbanking activity of investing in Cozad Housing Partners, LLC, Cozad, Nebraska.
- Permitted, August 28, 1997




H.2
August 2 , 1997 t August 3 , 1997
4
o
0

Page 5

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Secretary
Wachovia Corporation, Winston-Salem, North Carolina —to acquire Jefferson
Bankshares, Inc., Charlottesville, Virginia; to merge Jefferson Bankshares into
Wachovia Corporation; and thereby acquire Jefferson National Bank.
- Approved, August 26,1997
Kansas City
Western Bancshares, Albuquerque, New Mexico ESOP & Trust, Albuquerque, New
Mexico - to acquire shares of Western Bancshares of Albuquerque, and Western
Bank.
- Approved, August 26,1997
BANK MERGERS
Secretary
Capital City Bank, Tallahassee, Florida —to merge with Levy County State Bank,
Chiefland; Farmers & Merchants Bank of Trenton; and Branford State Bank,
Branford, Florida; and to establish branches.
- Approved, August 29,1997
Kansas City
First Bank of Hennessey, Hennessey, Oklahoma —to merge with The Peoples
National Bank of Kingfisher, Kingfisher, Oklahoma, and to establish additional
branches.
- Approved, August 28,1997
Minneapolis
Le Sueur State Bank, Le Sueur, Minnesota —to purchase certain assets and assume
certain liabilities of the Cloquet, branch of TCF National Bank Minnesota,
Minneapolis, Minnesota.
- Approved, August 28, 1997
CHANGE IN BANK CONTROL
Kansas City
Andover Financial Corporation, Andover, Kansas —change in bank control.
- Permitted, August 27,1997
Kansas City
C.S.B. Company, Cozad, Nebraska —change in bank control.
- Permitted, August 25,1997




H.2
August 24,1997 to August 30, 1997

Page 6

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
COMPETITIVE FACTORS REPORTS
Kansas City
Bank of Elgin, N.A., Lawton, Oklahoma -- report on competitive factors of the
proposed merger with Bank of Elgin, Elgin, Oklahoma.
- Submitted, August 26,1997
St. Louis
Bank of Marion, Marion, Illinois —report on competitive factors of the proposed
merger with TBM Interim Bank.
- Submitted, August 25, 1997
Secretary
Bank of Stockton, Stockton, California -- report on competitive factors of the
proposed acquisition of certain assets and assumption of deposit liabilities of the
Angels Camp, Rio Vista, and Ripon, California, branches of Bank of America
National Trust & Savings Association, San Francisco, California.
- Submitted, August 27,1997
Atlanta
Boatmen’s Bank of Tennessee, Memphis, Tennessee -- report on competitive factors
of the proposed merger with NationsBank of Tennessee.
- Submitted, August 27,1997
Philadelphia
Delaware Chase Manhattan Bank USA National Association, Wilmington, Delaware
-- report on competitive factors of the proposed purchase of certain assets and
assumption of certain liabilities of The Chase Manhattan Bank, New York, New
York.
- Submitted, August 29,1997
Kansas City
First National Bank & Trust of Ardmore, Ardmore, Oklahoma —report on
competitive factors of the proposed merger with Ringling State Bank, Ringling,
Oklahoma.
- Submitted, August 26,1997




H.2
August 24, 1997 to August 30, 1997

Page 7

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Dallas
First National Bank of Borger, Borger,Texas —report on competitive factors of the
proposed acquisition of the assets and assumption of the liabilities of branches at
525 Morse, Stinnet; 101 North Main, Vega; and 531 North Deahl, Borger, of
Boatman's First National Bank of Amarillo, Amarillo, Texas.
- Submitted, August 29,1997
Secretary
First National Bank of Central California, Salinas, California —report on
competitive factors of the proposed purchase of assets and assumption of liabilities
of the Soledad, California, branch of Bank of America National Trust & Savings
Association, San Francisco, California.
- Submitted, August 27,1997
Dallas
First State Bank, Hawkins, Texas —report on competitive factors of the proposed
merger, withNew Hawkins Bank.
- Submitted, August 26,1997
Chicago
Firstar Bank Iowa, National Association, Des Moines, Iowa —report on competitive
factors of the proposed merger with Firstar Interim Bank, National Association,
Clinton; First Second Interim Bank, National Association, DeWitt; and Firstar Bank,
FSB, Dubuque, Iowa.
- Submitted, August 28,1997
Chicago
Firstar First Interim Bank, National Association, Clinton, Iowa —report on
competitive factors of the proposed acquisition of certain assets and assumption of
certain liabilities of the two Clinton branches of Firstar Bank, FSB, Dubuque, Iowa.
- Submitted, August 28,1997
Chicago
Firstar Second Interim Bank, National Association, DeWitt, Iowa -- report on
competitive factors of the proposed acquisition of certain assets and assumption of
certain liabilities of the DeWitt branch of Firstar Bank, FSB, Dubuque, Iowa.
- Submitted, August 28,1997







H.2
August 2 , 1997 t August 30,1997
4
o

Page 9

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Atlanta
Mercantile Bank, St. Petersburg, Florida —report on competitive factors of the
proposed merger with Citizens National Bank and Trust Company, Port Richey,
Florida.
- Submitted, August 27,1997
St. Louis
MidAmerica Bank of St. Clair County, O'Fallon, Illinois -- report on competitive
factors of the proposed merger with MidAmerica Interim State Bank.
- Submitted, August 27,1997
St. Louis
Peoples Bank and Trust Company, Tupelo, Mississippi -- report on competitive
factors of the proposed purchase of certain assets and assumption of certain
liabilities of the Grenada, Mississippi, branch of Magnolia Federal Bank for
Savings, Hattiesburg, Mississippi.
- Submitted, August 27,1997
Boston
Peoples Heritage Savings Bank, Portland, Maine —report on competitive factors of
the proposed merger with Atlantic Bank, National Asociation.
- Submitted, August 27,1997
Philadelphia
Union National Bank & Trust Company, Souderton, Pennsylvania -- report on
competitive factors o f the proposed acquisition of certain assets and assumption of
certain liabilities of the East Greenville branch of First National Bank, Avondale,
Pennsylvania.
- Submitted, August 26,1997
Atlanta
Union Planters Bank of Louisiana, Baton Rouge, Louisiana —report on competitive
factors of the proposed merger with Acadian Bank, Thibodaux, Louisiana.
- Submitted, August 27,1997




H.2
August 24,1997 t August 30,1997
o

Page 1
0

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
EXTENSIONS OF TIME
Richmond
Bank of Hampton Roads, Chesapeake, Virginia —extension to September 4,1998,
to establish a branch at 4108 Portsmouth Boulevard from the intersection of
Portsmouth Boulevard and Gum Road.
- Granted, August 27,1997
St. Louis
Pontotoc Bancshares, Corp., Pontotoc, Mississippi —extension to December 3,
1997, to acquire the First National Bank of Pontotoc.
- Granted, August 28, 1997
INTERNATIONAL OPERATIONS
Director, BS&R
Morgan Guaranty International Finance Corporation, Newark, Delaware —waiver of
the remainder of the notice period to make an investment in a subsidiary in Moscow,
Russia, tentatively named J. P. Morgan Bank 000.
- Granted, August 29,1997
RESERVE BANK OPERATIONS
Director, RBOPS
Automated clearing house items —change in the regular billing deposit deadline.
- Approved, August 26,1997




H.2

Additions/Corrections

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
EXTENSIONS OF TIME
Atlanta




First Citizens Bancorp, Cleveland, Tennessee -- extension to November 2,1997, to
convert The Home Bank, Ducktown, Tennessee, to a savings bank and engage in
operating a savings association.
- Granted, August 1,1997

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY

Comment Period Ending Pate

Application
NONE

Application

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

Iron Bancshares, Inc.,
Salisbury, Connecticut to become a bank holding
company by acquiring 100%
of the voting shares of The
National Iron Bank,
Salisbury, Connecticut*

Newspaper

Not Yet Established

Federal Register

10-02-97

SE C T I O N ITT - APPLICATIONS SUBJECT TO

Application

FEDERAL REGISTER NOTICE ONLY
Comment Period Ending Date
NONE

SECTION IV - APPLICATIONS NOT SUBJECT TO

FEDERAL REGISTER OR NEWSPAPER NOTICE
Application
NONE

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Institution




Examination Date
NONE

Rating**

SECTION V I - 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:
"O" - 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_____
Adirondack Trust Company, Saratoga Springs, New York, to
establish a branch at the intersection of Route 50 and Northline
Road, Saratoga Springs, New York.l/

09/29/97

Marine Midland Bank, Buffalo, New York, to establish a branch at
5515 8th Avenue, Brooklyn, New York.l/

09/20/97

SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
New Amboy Inc., Old Bridge, New Jersey, to become a bank holding
company by merging with Amboy Bancorporation, Old Bridge,
New Jersey, and thereby acquiring 100% of the voting shares of
Amboy National Bank, Old Bridge, New Jersey.

09/26/97 2/

SECTION III
Nonbanking Applications
(subject to Federal Register Notice Only 1
Prestige Financial Corp., Flemington, New Jersey, to engage through
its subsidiary, PSC Financial Services, Inc., Flemington, New Jersey, in
securities brokerage activities.
SECTION IV
Applications Not Involving
Public Comment
None.
SECTION V
Availability of CRA Public Evaluations
In connection with the assessment of each insured depository institution's
CRA performance, a rating is assigned from the following group:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and
is a leader in, ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.



09/16/97

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 30.1997
NAME OF BANK

RATING

None

1/ Subject to provisions of Community Reinvestment Act.
2/ Later of dates specified in newspaper and Federal Register notices.
y 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 DATE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER

M
QJICE-QNLY
Sterling Bank. Mount Laurel, NJ, to establish a branch in Mount Laurel Township, Burlington
NJ, pursuant to Section 9 of the Federal Reserve Act.
Newspaper comment period expires: N/A vail
Johnstown Bank & Trust Company. Johnstown, PA, to merge with Laurel Bank, Ebensburg,
PA and Fayette Bank, Uniontown, PA, pursuant to Section 18(c) & 5(d)(3) of the Federal
Deposit Insurance Act.
Newspaper comment period expires: 08//4/97
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 29, 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 Pate

cra

NONE

NONE

NONE




Rating

District
Federal Reserve Bank of Cleveland
A pplications and notifications filed during the w eek ending 8/30/97

Section I - Applications subject to newspaper notice only

Type

Application

Ending date o f
comment period

NONE
Footnotes

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

Type

Application

Ending date o f
comment period

NONE
Footnotes

Section III - Applications subject to Federal Register notice only

Type

Application

Ending date o f
comment period

NONE
Footnotes

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

Type

Application

4C8 Notice

Filing by National City Corporation, Cleveland\ OH on
8/27/97 o f its intent to acquire FA Holdings, Inc., Louisville,
KY through its wholly-owned subsidiary, National Processing,
Inc., Louisville, KY.

Footnotes




Ending date o f
comment period
Not Applicable

Section V - A va ila b ility o f C R A public evaluations
D e sc rip tio n o f the CRA G o a l a g a in st w hich institution s a re evalu ated, the fo u r p erfo rm a n ce levels, a n d the
institu tion s f o r w hich an evalu ation is p u b lic ly available.

The CRA requires a periodic evaluation of each covered institution regarding the extent to which it has
ascertained, and helped meet, the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.
The federal bank regulators use the following four performance levels to rate an institution’s performance under
CRA.:
Outstanding
Satisfactory
Needs to Improve
Substantial noncompliance
R SSD
num ber
22>A1Q4A

Footnotes




In stitu tio n / L ocation

Ohio Heritage Bank
200 Main Street
Coshocton, OH 43812

E xam ination
d a te

CRA
p u b lic d a te

CRA
ra tin g

5/12/97

8/29/97

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

Application
First Community Bank, Inc.,
Buckhannon, West Virginia, to
establish a branch in the WalMart on U. S. Route 119 Bypass
Logan, West Virginia.*

9-8-97

Section H - Applisatipng Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

None.

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

None.

Section IV - Application Not Subject to
Federal Regist^t_.NQ.tlg,e
,.Qr Newspaper Notice
Application
None.

♦Application is subject to CRA requirements.



Federal Reserve Bank of Richmond
Section V - Availability of CRA Public Evaluations
Week ending August 29, 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
809324

746429




Examination
____Date

Name* of__Bank
The Annapolis Banking and
Trust Company
236 Main Street
Annapolis, Maryland 21401-2048
Bank of McKenney
20718 1st Street
McKenney, Virginia

23872

7-7-97

7-14-97

Rating

Outstanding

Satisfactory

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending August 29. 1997

Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Republic Security Bank
09-25-97*
West Palm Beach, Florida
To merge with County National Bank o f South Florida, pursuant to Section 18(c) o f the Federal
Deposit Insurance Act.
The Terrace Bank o f Tampa
09-15-97*
Tampa, Florida
To establish a branch located at 194500 Bruce B. Downs Boulevard, Tampa, Florida, to be known
as the New Tampa Office, pursuant to Section 9 o f the Federal Reserve Act..

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

Comment Period Ending Date

None.
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
Pioneer Bankcorp, Inc.
Clewiston, Florida
Expedited notice to increase its investment in community development activities, pursuant to Section
225.28(b)(12) o f Regulation Y and Section 4(c)(8) o f the Bank Holding Company Act.

* Subject to provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending August 29. 1997
Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Republic Security Financial Corporation
West Palm Beach, Florida
Request for waiver o f the application requirements o f Section 3(a)(3) o f the Bank Holding Company
Act by Republic Security Financial Corporation, West Palm Beach, Florida, in connection with its
proposed acquisition o f County National Corporation, and its subsidiary, County National Bank o f
South Florida, both o f West Palm Beach, Florida.
Great Southern Capital Corporation Employee Stock Ownership Plan
Meridian, Mississippi
Commitment waiver request.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending August 29.1997
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 institutionhas an outstandingrecord
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- andmoderate-incomeneighborhoods,in a manner consistent with its resources and capabilities
Needs to improve record of meeting community credit needs: An institution needs to improve
its overall record of ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Substantial noncompliance in meeting community credit needs: An institution has a
substantially deficient record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.

Bank

CRA Rating

Examination Date

West Coast Bank
Post Office Box 25869
Sarasota, Florida 34277
(813) 378-4400

Satisfactory

05-27-97




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending August 29.1997
Recently Approved Applications

Approval Date

The Colonial BancGroup, Inc.
08-27-97
Montgomery, Alabama
To merge with Dadeland Bancshares, Inc., Miami, Florida, and thereby acquire its subsidiary,
Dadeland Bank, Miami, Florida, pursuant to Section 3(a)(5) of the Bank Holding Company Act.
The Colonial BancGroup, Inc.
08-27-97
Montgomery, Alabama
To acquire Dadeland Software Services, Inc., Miami, Florida, and through Dadeland Software
Services, a 20 percent interest in a joint venture, and engage in data processing activities, computer
software activities, and related consulting service activities, pursuant to Section 225.28(b)(14) of
Regulation Y and Section 4(c)(8) of the Bank Holding Company Act.
Capital City Bank
08-27-97
Tallahassee, Florida
To merge with Levy County State Bank, Chiefland, Florida, pursuant to Section 18(c) of the Federal
Deposit Insurance Act.
Capital City Bank
08-27-97
Tallahassee, Florida
To merge with Farmers & Merchants Bank of Trenton, Trenton, Florida, pursuant to Section 18(c)
of the Federal Deposit Insurance Act.
Capital City Bank
08-27-97
Tallahassee, Florida
To merge with Branford State Bank, Branford, Florida, pursuant to Section 18(c) of the Federal
Deposit Insurance Act.
Citizens Capital Corporation
08-29-97
Magee, Mississippi
After-the-factnotification filed by the Leake Family Partnership, L.P., Jackson, Mississippi,to retain
32.57 percent of the outstanding shares of Citizens Capital Corporation, Magee, Mississippi,
pursuant to the Change in Bank Control Act of 1978.
CB&T, Inc.
08-27-97
McMinnville, Tennessee
After-the-factnotification to retain CBT Insurance, Inc., Smithville, Tennessee, and thereby engage
in insurance activities, pursuant to Section 225.28(b)(l l)(iii) of Regulation Y and Section 4(c)(8)
of the Bank Holding Company Act.
Murfreesboro Bancorp, Inc.
08-27-97
Murfreesboro, Tennessee
1-BHC formation, Bank of Murfreesboro, Murfreesboro, Tennessee (in organization).




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

Type

Application

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
Dickeyville, 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

N P - **

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

Type

Application

Branch

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

NP - 8-25-97

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

NP - **

Branch

Valley Ridge Bank
Kent City, Michigan
47 S. Charles Street
White Cloud, Michigan

NP - 9-13-97

Branch

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

NP - 9-13-97

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




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

ly p e

Application

CoC-HC

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

FR - 9-3-97

CoC-HC

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

FR - 8-28-97
NP - 9-7-97

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

3(a)(3)

Centre 1 Bancorp, Inc.*
Beloit, Wisconsin
First Winnebago Corporation
Winnebago, Illinois
First National Bank of Winnebago
Winnebago, Illinois

FR - 9-26-97
NP - 9-21-97

3(a)(3)

Mahaska Investment Company*
Oskaloosa, Iowa
Pella State Bank (in organization)
Pella, Iowa

FR - 9-12-97
NP - 7-27-97

3(a)(1)

Marengo Bancshares, Inc.*
Marengo, Illinois
Prairie State Bank (in organization)
Marengo, Illinois

PR - * *
fJP - **




jsjp - **

Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspaper and Federal

Register Nolicecont’d
Comment Period
Ending Date

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

FR - 8-29-97
NP - 8-25-97

3(a)(3)

First State Bancorp of Monticello, Inc.
Employee Stock Ownership Plan*
Monticello, Illinois
First State Bancorp of Monticello, Inc.
Monticello, Illinois
First State Bank of Monticello
Monticello, Illinois
State Bank of Hammond
Hammond, Illinois
First State Bank of Bloomington
Bloomington, Illinois
First State Bank of Heyworth
Heyworth, Illinois
First State Bank of Atwood
Atwood, Illinois

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




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 IV - Applications Not Subject to Federal Register or Newspaper Notice

Type

Application

ROS

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




Federal Reserve Bank of Chicago
Section V - Availability of CRA Public Evaluations
The following state member banks have been examined by the Federal Reserve Bank of Chicago for compliance
with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed during the
week ending August 29, 1997. If you are interested in obtaining a copy of the evaluation document, please
contact the bank(s) directly.
Identification of Ratings
O-

An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.

S-

An institution in this group has a satisfactory record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

NI -

An institution in this group has a needs to improve its overall record of ascertaining
and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.

SN -

An institution in this group has a substantial noncompliance record of ascertaining
and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.




BANK-NAMEZLQCAIIQN
NONE

EXAMINATION DATE

RATINGS

RESERVE B A N K APPLICATIONS BULLETIN

For week ending August 29, 1997

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

End of Comment Period

None.

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

End of Comment Period

* Section 3(a)(3) notification by Exchange National
Bancshares, Inc., Jefferson City, Missouri, to acquire
Union State Bancshares, Inc., Clinton, Missouri.

Newspaper: 9-24-97

* Section 3(a)(5) notification by First Commercial
Corporation, Little Rock, Arkansas, to merge with
First Charter Bancshares, Inc., North Little Rock, Arkansas.

Newspaper: 9-17-97

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application

End of Comment Period

None.

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

* This notification is subject to CRA.




End of Comment Period

RESERVE BAN K APPLICATIONS BULLETIN

For week ending August 29, 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 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.

BankRSSD
Number
None




Name of Bank

Bank Address

Examination
Date

—
i
Examination
Rating

RESERVE B A N K APPLICATIONS BULLETIN

For week ending

A gust2 . 1 9
u
9 97

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

F E D E R A L R E S E R V E B A N K O F M IN N E A P O L IS

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

Application
NONE.
F E D E R A L R E S E R V E B A N K O F M IN N E A P O L IS

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

Application
Spectrum Bancorporation, Inc., Omaha, Nebraska to engage
in operating a savings association through the acquisition o f
32.17% o f First Savings and Loan Association o f South
Dakota, Inc., Aberdeen, South Dakota.

September 26,1997
(Federal Register)

F E D E R A L R E S E R V E B A N K O F M IN N E A P O L IS

Section III - Applications Subject
to Federal Register Notice Only
Comment Period
Ending Date

Application
NONE.
F E D E R A L R E S E R V E B A N K O F M IN N E A P O L IS

Section IV - Applications N ot Subject to
Federal Register Notice or Newspaper Notice
Application
F&M Bank Landmark, Clear Lake, Wisconsin to become a member
o f the Federal Reserve System.




FED ER A L R E SER V E BA NK O F M IN N E A PO L IS
Section V - Availability o f
CRA Public Evaluations
w eek ending A u g u s t29,1997

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
m eet the credit needs o f its entire delineated community, including low- and moderate-income
neighborhoods, in a m anner consistent with its resources and capabilities.
SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a satisfactory record o f ascertaining and helping to m eet 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 m anner consistent with its resources and capabilities.
SUBSTANTIAL NONCOM PLIANCE 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
m anner consistent with its resources and capabilities.
BANKIS1 EXAMINED

DATE OF EXAMINATION

CRA RATING

M&I Bank o f Eagle River
First and Wall Streets
Eagle River, WI 54521
(715) 479-6461

April 28, 1997

Satisfactory

M &I Bank
1425 Tower Avenue
Superior, WI 54880
(715) 394-8840

M ay 12, 1997

Satisfactory

M &I Citizens American Bank
900 East Main Street
M errill, WI 54452
(715) 536-9555

May 19,1997

Satisfactory




FED ER A L R E SER V E BANK O F M IN N E A PO L IS
Section V - Availability o f
CRA Public Evaluations
w eek ending A ugust 29,1997
(Continued)

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
m eet 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 m anner consistent with its resources and capabilities.
SUBSTANTIAL NONCOM PLIANCE 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.
BANKfSI EXAMINED

DATE OF EXAMINATION

Farmers State Bank o f W est Concord May 27, 1997
P.O. Box 245
W est Concord, MN 55985-0245
(507) 527-2236




CRA RATING
Satisfactory

Federal Reserve Bank of Kansas City

Week Ending August 29, 1997

SECTION 1 - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

Community Bank & Trust, Neosho, Missouri, for
prior approval to merge with the Citizens Bank of
Missouri, Carl Junction, Missouri, and to establish
additional branches.

Not Available

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

COMMENT PERIOD ENDING DATE

Peoples Commercial Bancorp, Inc., Stilwell,
Oklahoma, for prior approval to become a bank
holding company through the acquisition of 100
percent of the voting shares of Bank of Commerce,
Stilwell, Oklahoma, and 96.25 percent of the voting
shares of Peoples Bank, Westville, Oklahoma.*

September 26, 1997

Bank Capital Corporation, Strasburg, Colorado, for
prior approval to acquire 4.59 percent, for a total of 9
percent of the voting shares of Guaranty Corporation,
Denver, Colorado.

September 26, 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
A P P L IC A T IO N

Stockmens Financial Corporation, Rushville,
Nebraska, for prior approval to engage de novo in the
listed activity of investing in Cozad Housing Partners,
LLC, Cozad, Nebraska, a community development
corporation.*
Guaranty Corporation, Denver, Colorado, for prior
approval to redeem 5,674 shares of its own voting
common stock.
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 maimer 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

RSSD#

None.
♦Application is subject to CRA.



Exam Date

CRA Public
Date

CRA
Rating

District 11
Federal Reserve Bank of Dallas
A pplications and N otifications F iled D uring the W eek o f A ugust 25, 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 p eriod
ending date

Type

Application

♦Section 3(a)(3)

Texas Financial Bancorporation, Inc., Minneapolis, MN, and N/A
Delaware Financial, Inc., Wilmington, DE, to acquire CNB
Bancshares of Victoria, Victoria, TX, and its subsidiaries,
Citizens Bancorp of Delaware, Inc., Wilmington, DE, and
Citizens National Bank, Victoria, TX

♦Section 3(a)(5)

First Financial Bankshares, Inc., Abilene, TX,
to acquire Southlake Bancshares, Inc., Southlake, TX, and
Texas National Bank, Southlake, TX
(Previously reported during the week of August 18, 1997)

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




♦♦97/09/21

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

1017658

*N/A*
* Not Available.




CRA
public date

CRA
rating

97/05/12

Texas State Bank
P, 0. Box 4797
3900 N. 10th Street
McAllen, TX 78501

Section VI - CRA examinations scheduled
Institution

Examination
date

Institution/ Location

97/08/25

Strong

Q uarter of
Location

FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 8/29/97
Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Santa Barbara Bank & Trust, Santa Barbara, California,
establish a branch offiice at 695 West Channel Islands
Boulevard, Port Hueneme, California. *

Newspaper:

8/27/97

to

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 availalbe

Fed. Reg.:

9/19/97

Olympic Bancorp, Inc., Port Orchard, Washington, to

Newspaper:

9 / 2 1 / 9 7

become a bank holding company through the acquisition of
Kitsap Bank, Port Orchard, Washington.*

Fed. Reg.:

9/19/97

Belvedere Capital Partners, Inc., San Francisco, California;

Newspaper:

Not Available

Fed. Reg.;

9/29/97

Newspaper:

Not Available

Fed. Reg.:

9/29/97

California Community Financial Institutions Fund Limited
Partnership, San Francisco, California; and Newco, San
Francisco, California; to each become bank holding
companies through the acquisition of 63.2 percent of
Security First Bank, Fullerton, California.*
National Bancorp of Alaska, Inc., Anchorage, Alaska, to
indirectly acquire 9.9 percent of Security First Bank,
Fullerton, California.*

Section III -Applications Subject to Federal Register Only
None
Section IV - Applications Not Subject to Federal Register Notice
or Newspaper Notice (Cont’d.l
CPB, Inc., Honolulu, Hawaii, to engage in mortgage
banking activities through Trans-Pacific Mortgage
Group, LLC, Honolulu, Hawaii.*

* Subject to CRA.



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 8/29/97
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during this week. Information
about a particular institution's CRA evaluation may be obtained directly from the institution.
Institution

Location

Examination Date

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.
N eeds to Im prove re c o rd o f m eeting com m unity cre d it 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 ofFormations and Mergers o,and A q i i i n b ,Bank Holding
oie
f
custos y
Companies; Change i Bank Control
n
Notices Filed as of August 29,1997
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 notiflcant

Acquiree or activity

1867 Western Financial
Corporation 1),
Stockton, CA
CONTINUED

Capital Corp of the West,
Merced, CA, & Town &
Country Finance & Thrift
Co., Turlock, CA &
Capital West Group, Inc.,
Stockton, CA operating an
industrial loan co. (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?, 1997

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

Acquireeo 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 ReserveBank
eto f

End o comment p r o
f
eid

Applicant or notifkant

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 (bXl) 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 (b)(1 ),
(bX4),(bX15),and(bX16)

4

New York

March 4,1997

Bank Capital
Corporation, Strasburg,
CO

Guaranty Corporation,
Denver, CO

3

Kansas City

September 26, 1997

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

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

3

Chicago

August 4,1997

Bank of Idaho Holding
Company,
Idaho Falls, ID

Bank of Eastern Idaho,
Idaho Falls, ID

3

San Francisco

June 9,1997

Bank of Montreal,
Montreal, Canada;
Bankmont Financial
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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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),
(b)(4), and (b)(7)

3 and 4

New York

March 14,1997

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.
("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 (bX14)

4

Richmond

September 3,1997




Section of law

-Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Section of law

'Reserve Bank

End of comment period

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

4

Richmond

September 3,1997

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

4

Richmond

September 3,1997

Barnett Banks, Inc.,
Jacksonville, FL

First o f 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
o f debt & equity
securities, other than
interests in open end
investment companies;
underwriting & dealing in
bank-eligible securities,
(bX»);
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




Applicant or notificant

Acquiree or activity

Biggs, Daniel Biggs;
Grimes, Merlin; ED&J,
Inc., do 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 BanCoip, Draper,
UT and Draper Bank &
Trust, Draper, UT

CIBC

San Francisco

August 12,1997

Bloomer Bancshares,
Inc., Bloomer, WI

Peoples State Bank,
Bloomer, WI

3

Minneapolis

September 5,1997

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

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

3

Dallas

July 21,1997

C B & T, Inc.,
McMinnville, TN

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

4

Atlanta

August 20, 1997

Cabot Bankshares, Inc.,
Cabot, AR

The Capital Bank, Little
Rock, AR

3

St. Louis

August 11,1997

Cabot Bankshares, Inc.,
Cabot, AR

The Capital Bank, Cabot,
AR

3

S t Louis

July 11,1997

Cabot Bankshares, Inc.,
Cabot, AR
CORRECTION

The Capital Bank, Little
Rock, AR

3

St. Louis

July 11,1997

Caisse Nationale de
Credit Agricole Paris,
France

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

4

Chicago

July 25,1997




Section of law

Reserve B ank

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

California Community
Financial Institutions
Fund Limited
Partnership; Belvedere
Capital Partners, Ine., &
Newco, all of San
Francisco, CA &
National Bancorp of
Alaska, Inc.,
Anchorage, AL

Securities First Bank,
Fulleton, CA

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

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 Commerced ),
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

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
(b)(1);
CONTINUED

4

New York

August 28, 1997




S c i no law ReserveBank
eto f
3

San Francisco

End o comment p r o
f
eid
September 29, 1997

A p i a to n t f a u
plcn r oiki

Acquiree o a t v t
r ciiy

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

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

Central Illinois Bancorp,
Sidney, IL

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

3

Chicago

June 26, 1997

Centre 1 Bancorp, Inc.,
Beloit, WI

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

3

Chicago

September 26, 1997




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

End o comment p r o
f
eid
August 28, 1997

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

Acquireeo a t v t
r ciiy

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 (b)(1)

4

Kansas City

July 30,1997

Citizens Bancshares of
Woodville, Inc.,
Woodville, WI

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

3

Minneapolis

August 25,1997

Citizens 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

Citizens National
Corporation, Paintsville,
KY

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

3

Cleveland

July 28, 1997




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

End o comment p r o
f
eid

Applicant or notificant

Acquiree or activity

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

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

Commercial
Bancshares, Inc.,
Texarkana, AR

Section of law

Reserve Bank

End of comment period

3

Kansas City

August 8,1997

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 o f St
Clair County, O'Fallon, 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

4

Cleveland

August 26,1997

(X)
b4
Community National
Bancorporation,
Waterloo, IA

Community National Bank
(in organization),
Waterloo, IA

3

Chicago

July 29,1997

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




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

Acquireeo a t v t
r ciiy

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

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

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

4

New York

July 10, 1997

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

First State Bank of Atwood,
Atwood, IL

CIBC

Chicago

May 16, 1997

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

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

CIBC

Dallas

April 30, 1997




S c i no law ReserveBank
eto f
New York

End o comment p r o
f
eid
July 10, 1997

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

Acquireeo a t v t
r ciiy

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

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

The First National
Corporation of Aitkin, Inc.,
& The 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




S c i no law ,
eto f
ReserveBank

End o comment p r o
f
eid

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

Acquiree o a t v t
r ciiy

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

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

3

Atlanta

June 27, 1997

Edison Bancshares, Fort
Myers, FL

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

3

Atlanta

August 1, 1997

Emprise Financial
Corporation, Wichita,
KS

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

4

Kansas City

September 2, 1997

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

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

CIBC

Richmond

July 15, 1997

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)(l1)

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




S c i no law ,
eto f
ReserveBank

End o comment p r o
f
eid

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

Acquiree o a t v t
r ciiy

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 Midwest Bancorp,
Inc., Itasca, IL

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

3

Chicago

July 21, 1997

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

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

3

Kansas City

June 27, 1997

First National
Bancshares, Inc., East
Lansing, MI

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

4

Chicago

August 17,1997

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

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

3

Kansas City

July 25, 1997

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

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

3

Dallas

August 25, 1997




S c i no law Reserve Bank
eto f

End o comment p r o
f
eid

Applicant or notificant

Acquiree or activity

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 o f 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

First State Bancshares,
Inc., Farmington, MO

Perry County Financial
Corporation, Perryville,
MO, and
Perry County Savings
Bank, FSB,
Perryville, MO operating a
savings
association (bX4)

4

St. Louis

August 1,1997

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 (bXl);
CONTINUED

3 and 4

Richmond

September 19,1997

First Union
Corporation^),
Charlotte, NC
CONTINUED

and other nonbanking
activities (bXl lX«v); (bX5)
(bX7),(bX8),(bX6)

3 and 4

Richmond

September 19,1997

FirstBank Holding
Company of Colorado,
Lakewood, CO

FirstBank of Parker, Parker,
CO

3

Kansas City

September 19,1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

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, TL

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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

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
(bX ll)

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,
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




Section of law

-Reserve Bank

End of comment period

Section of law

Applicant or notificant

Acquiree or activity

Industrial Bank of
Japan, Ltd.,
Tokyo, Japan

Aubrey G. Lanston & Co.,
Inc.,
New York, NY, securities
activities (bX7); data
processing (bX14);
financial & investment
activities (bX6); and
underwriting (bX8)

4

New York

May 12,1997

International
Bancorporation, Golden
Valley, MN

Northern National Bank,
Nisswa, MN

3

Minneapolis

September 18, 1997

Intra Financial
Corporation,
Clyde, KS

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

3

Kansas City

June 20, 1997

Jackson Boulevard
Fund, Ltd.; 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 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




Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

KeyCorp(l), Cleveland,
OH
CONTINUED

Key Capital Markets, Inc.,
Cleveland, OH underwriting
& dealing in all types o f
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 (bX6), (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 (bX6); agency
transactional services for
customer investments
(bX7); and investment
transactions as principal
(bX8)

4

Cleveland

August 11,1997

Keystone Financial,
Inc., Harrisburg, PA

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

4

Philadelphia

July 29,1997

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

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

CIBC

San Francisco

August 6,1997




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

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 (b)(3); investment
advisory services (b)(4);
full-service brokerage
(b)(15); foreign exchange
execution & advisory
services, and other advisory
& administrative services

4

New York

March 26, 1997




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

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

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 die
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

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

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

CIBC

Kansas City

June 26,1997




Section of law , Reserve Bank

End of comment period

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

Acquireeo a t v t
r ciiy

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

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

3

Boston

September 19,1997

National City
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, aeting 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

New Amboy, Inc., Old
Bridge, NJ

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

3

New York

September 26,1997

New Broadway, Inc.,
San Antonio, TX

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

3

Dallas

September 4,1997

New Prague
Bancshares, Inc., New
Prague, MN

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

3

Minneapolis

July 7, 1997

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

First-Nichols National Bank
of Kenedy, Kenedy, TX

3

Dallas

September 2,1997

North Fork
Bancorporation, lne„
Melville, NY

Branford Savings Bank,
Branford, CT

3

New York

September 18, 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 oilat

Acquiree o a t v t
r ciiy

Northside Banking
Corporation, Tampa, FL

Northside Bank of Tampa,
Tampa, FL

3

Atlanta

August 29, 1997

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

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

3

Chicago

July 28, 1997

Norwest Corporation,
Minneapolis, MN

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

3 and 4

Minneapolis

September 12, 1997

Norwest Corporation,
Minneapolis, MN

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

3

Minneapolis

September 2, 1997

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

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

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

3

Chicago

August 15, 1997

Olympic Bancorp, Port
Orchard, WA

Kitsap Bank, Port Orchard,
WA

3

San Francisco

September 19, 1997

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

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

4

Atlanta

August 8, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeo a t v t
r ciiy

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 Farmers
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 (b)(4)(ii)

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 Commercial
Bancorp, Inc., Stilwell,
OK

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

3

Kansas City

September 26,1997

Peoples Community
Bancshares, Inc.,
Colquitt,
GA

Farmers Bank of Malone,
Malone, FL

3

Atlanta

August 11, 1997




S c i no law eto f
ReserveBank

End o comment p r o
f
eid

Applicant or notificant

Acquiree or activity

Peoples Community
Bancshares, Inc.,
Colquitt,
GA

Farmers Bank of Malone,
Malone, FL

3

Atlanta

July 14, 1997

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

Elderton State Bank,
Elderton, PA

3

Cleveland

August 25, 1997

Peoples-Marion
Bancorp, Inc.,
Marion, KY

The Peoples Bank,
Marion, KY

3

St. Louis

June 12, 1997

Plainview Holding
Company,
Pilger, NE

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

3

Kansas City

June 23, 1997

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

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

3

Dallas

August 14,1997

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

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

CIBC

Kansas City

September 10,1997

Premier Financial
Bancorp, Inc.,
Georgetown,
KY

The Sabina Bank, Sabina,
OH

3

Cleveland

August 21, 1997

Prestige Financial Corp.,
Flemington, NJ

PSC Financial Services,
Inc., Flemington, NJ
securities brokerage
activities (b)(7(i)

4

New York

September 16, 1997

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

Independent Bancshares,
Inc., Powder Springs, GA

CIBC

Atlanta

August 29, 1997




Section of law -Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Proffitt, Richard Todd,
Pigeon Forge, TN

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

CIBC

Atlanta

August 5,1997

Progress Bancshares,
Inc., Sullivan, MO

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

3

St. Louis

August 8,1997

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 (bX4)

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.,
S t Cloud, FL, and First
Federal Savings and Loan
Association of Ocelola
County, Kissimmee, FL,
operating a savings
association (bX4Xii)

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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or 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 of Madrid, Spain

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

3

New York

September 10,1997

Security Bancshares,
Inc.,
Scott City, KS

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

3

Kansas City

June 20, 1997

Security State
Corporation,
Centralia, WA

Security State Bank,
Centralia, WA

3

San Francisco

June 9, 1997

Sephar, David L.,
Kansas City, KS

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

CIBC

Kansas City

July 25, 1997




Section of law

Reserve Bank

End of comment period

.Reserve Bank

End of comment period

CIBC

Kansas City

August 11, 1997

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

4

Minneapolis

September 26,1997

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

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

CIBC

Kansas City

August 5,1997

Sterling Bancshares,
Inc., Houston, TX

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

3

Dallas

July 21, 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

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

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

Applicant or notificant

Acquiree or activity

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

Spectrum
Bancorporation, Inc.,
Omaha, NE

Section of law




Applicant or notificant

Acquiree or activity

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

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

Texas National Bank,
Brenham, TX

3

Dallas

July 29, 1997

Triangle Bancorp, Inc.,
Raleigh, NC

Bank of Mecklenburg,
Charlotte, NC

3

Richmond

August 1,1997

Union Bancshares, Inc.,
Fargo, ND

Union State Bank of Fargo,
Fargo, ND

3

Minneapolis

September 15, 1997

Union Planters
Corporation(l),
Memphis, TN
CONTINUED

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

4

St. Louis

August 15, 1997

Union Planters
Corporation(2),
Memphis, TN
CONTINUED

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

4

St. Louis

August 15, 1997




Section of law

-Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

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

4

St. Louis

September 4,1997

United Bankshares, Inc.,
Charleston, WV

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

3

Richmond

June 16,1997

UST Corp. Boston, MA
CORRECTION

Firestone Financial Corp.,
Newton, MA in installment
loan and lease financing
activities to commercial
customer (b)(1) & (bX3)

4

Boston

Septembers, 1997

UST Corp., Boston, MA

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

4

Atlanta

September 15,1997

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

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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Wachovia Corporation,
Winston-Salem, NC

1st United Bancorp, Boca
Raton, FL, & First United
Bank, Boca Raton, FL, &
United Bancorp's
subsidiary, Island
Investment Service, Inc.,
Palm Beach, FL in
securities brokerage
activities (b)(7X0

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

Woodruff, Thomas M.,
Humble, TX

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

CIBC

Dallas

August 26, 1997

Young, David E.,
Chattanooga, TN

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

CIBC

Atlanta

July 22,1997

Young, Susan Aileen,
Chicago, IL

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

CIBC

Kansas City

August 5, 1997

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

Zions Bancorporation,
Salt Lake City, UT

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

3

San Francisco

September 15,1997




Section of law

Reserve Bank

End of comment period

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

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




Information Requests
The public portions of the applications and notices currently listed in this release are available on an
expedited basis from the appropriate Federal Reserve Bank. The public portion of the application also
may be obtained from the Board.
Federal Reserve Bank of Boston
Jonathan Fine (TEL: 617-973-3339; FAX: 617-973-3219)
Federal Reserve Bank of New York
Margaret Carmody (TEL: 212-720-7924; FAX: 212-720 -6628)
Federal Reserve Bank of Philadelphia
Rosanna Crosier (TEL: 215-574-6581; FAX: 215-574-4146)
Federal Reserve Bank of Cleveland
Jim Terlop (TEL: 216-579-2197; FAX: 216-579-2932)
Federal Reserve Bank of Richmond
Gaile Clark (TEL: 804-697-8825; FAX: 804-697-8283)
Federal Reserve Bank of Atlanta
Wayne Smith (TEL: 404-589-7265; FAX: 404-589-7342)
Federal Reserve Bank of Chicago
Frank Skweres (TEL: 312-322-4785; FAX: 312-322-5894)
Federal Reserve Bank of 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 lReserveSystem
f
f h eea
Freedom of Information Office (TEL: 202-452-3684; FAX: 202-872-7562, and 202-872-7565)




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 29,1997
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.
Section of law

Reserve Bank

Applicant or notificant

Acquiree or activity

Exchange National
Bancshares, Inc.,
Jefferson City, MO

Union State Bancshares,
Inc., Clinton, MO & Union
State Bank < Trust
&
Company of Clinton,
Clinton, MO

3

St. Louis

October 2, 1997

FBOP Corporation, Oak
Park, IL

First Capital Bank of
Arizona, Phoenix, AZ

3

Chicago

October 2, 1997

Iron Bancshares, Inc.,
Salisbury, CT

The National Iron Bank,
Salisbury, CT

3

Boston

October 2, 1997

Marengo Bancshares,
Inc., Marengo, IL

Prairie State Bank,
Marengo, IL

3

Chicago

October 2, 1997

Myers, Judy Noe,
Pallas, TX

Rusk County Bancshares,
Inc., Henderson, TX &
Peoples State Bank,
Henderson, TX

CIBC

Dallas

September 24, 1997




End of comment period

Applicant or notificant

Acquiree or activity

National Bank of
Canada, Montreal,
Canada & NatBC
Holding Corporation,
Hollywood, FL

Natbank, N.A., Hollywood,
FL&Natbank, N.A.

National City
Bancshares, Inc.,
Evansville, IN

Reserve Bank

End of comment period

3

New York

October 3,1997

Fourth First Bancorp, Inc.,
Huntingburg, IN & First
Bank of Huntingburg,
Huntingburg, IN

3

St. Louis

October 3,1997

Paradigm
Bancorporation, Inc.,
Houston, TX &
Paradigm Delaware
Bancorporation, Inc.,
Dover, DE

First National Bank of
Dayton, Dayton, TX

3

Dallas

October 3, 1997

Shields, James Homer,
III, London, England

Sebastian Bankshares, Inc.,
Barling, AR & River Valley
Bank and Trust, Lavaca, AR

CIBC

St. Louis

September 24, 1997

Smith, Carmen P.
Family Limited
Partnership; Smith,
Carmen P.; &
Woodruff, Peggie J., as
General Partners, all of
Wichita Falls, TX

AmeriBancShares, Inc.,
Wichita Falls, TX&
AmeriBancShares of
Delaware, Inc.,
Wilmington, DE &
American National Bank,
Wichita Falls, TX

CIBC

Dallas

September 24,1997

Union Planters
Corporation, Memphis,
TN

Capital Bancorp, Miami, FL
& Capital Bank, Miami, FL

3

St. Louis

October 3, 1997




Section of law

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

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

Board o Governors o t eF d r lReserveSystem
f
f h eea
W l i mW. W l s S c e a y 2 t & C n t t t o Avenue,N ., W s i g o ,DC 2 5 1 0 0
ila
i e , ertr, 0 h o s i u i n
.W a h n t n
05-01




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




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