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Federal Reserve Release
H.2
Actions of the Board, Its Staff,
and the Federal Reserve Banks:
Applications and Reports Received
No. 32
Week Ending August 9,1997
Board of Governors o f the Federal Reserve System, Washington, DC 20551
No. 32
ACTIONS TAKEN BY THE BOARD OF GOVERNORS
BANK HOLDING COMPANIES
CoreStates Financial Corporation, Philadelphia, Pennsylvania -- to engage in
certain nonbanking activities through CoreStates Securities Corporation.
- Permitted, August 4,1997
FORMS
Report of Transaction Accounts, Other Deposits and Vault Cash (FR 2900);
Report of Certain Eurocurrency Transactions (FR 2950/2951); Quarterly Report of
Selected Total Deposits and Reservable Liabilities (FR 2910q); Annual Report of
Total Deposits and Reservable Liabilities (FR 2910a); Allocation of Low Reserve
Tranche and Reservable Liabilities Exemption (FR 2930/2930a); Daily Advance
Report of Deposits (FR 2000); and Weekly Report of Deposits (FR 2001) —
extension for three years with revision for FR 2900 and FR 2950/2951; and
extension for three years, without revision for FR 2910q, FR 2910a, FR 2930/
2930a, FR 2000, and for FR 2001.
- Approved, August 8,1997
Uniform Application for Municipal Securities Principal or Municipal Securities
Representative Associated with a Bank Municipal Securities Dealer (FR MSD-4);
and Uniform Termination Notice for Municipal Securities Principal or Municipal
Securities Representative Associated with a Bank Municipal Securities Dealer
(FR MSD-5) —extension for three years, with revision.
- Approved, August 5,1997
REGULATIONS AND POLICIES
Profitability of Credit Card Operations of Depository Institutions —annual report
to the Congress.
- Approved, August 5,1997
Regulation D —request for comment on proposed amendments regarding
pass-through accounts and reserve accounts of foreign bank offices and Edge and
agreement corporations (Docket R-0980).
- Approved, August 4,1997
H.2
August 3,1997 to August9,1997
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
Atlanta
Colonial Bank, Montgomery, Alabama -- to establish a branch at 3379 Peachtree
Road, Atlanta, Georgia.
- Approved, August 7,1997
Colonial Bank, Montgomery, Alabama —to establish a branch at 5441 Highway 90
West, Mobile, Alabama.
- Approved, August 7,1997
Chicago
F & M Bank-Northeast, Pulaski, Wisconsin —to establish a branch at 1926 and 1934
Dickinson Road, DePere, Wisconsin.
- Approved, August 4,1997
Philadelphia
Madison Bank, Blue Bell, Pennsylvania —to establish a branch office at 100 Main
Street, Lansdale, Pennsylvania.
- Approved, August 8,1997
Chicago
Mercantile Bank of Western Iowa, Des Moines, Iowa —to establish a branch at the
Clay County Fair, 1404 4th Avenue West, Spencer. Iowa.
- Approved, August 7, 1997
San Francisco
San Benito Bank, Hollister, California —to establish a branch at 751 First Street,
Gilroy, California.
- Approved, August 6,1997
San Francisco
Silicon Valley Bank, Santa Clara, California —to establish a branch at 899 Adams
Street, St. Helena, California.
- Approved, August 6,1997
H.2
August 3,1997 to August9,1997
Page 2
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Richmond
The Bank of Floyd, Floyd, Virginia —to establish a branch at 185 South Main
Street, Hillsville, Virginia.
- Approved, August 4,1997
BANK HOLDING COMPANIES
Chicago
Bank of Elmwood Employee Stock Ownership Plan and Trust, Racine, Wisconsin -to acquire additional shares of Elmwood Financial Corporation, Racine, Wisconsin.
- Approved, August 8,1997
Kansas City
Central Bancshares, Inc., Kansas City, Missouri —to acquire Cash Now L.L.C.,
Grandview, Missouri, and Cash Now, Inc., Kansas City, Kansas, and engage in
lending and check cashing activities.
- Permitted, August 8,1997
Kansas City
Citizens Bancshares Company, Chillicothe, Missouri -- to engage de novo in
purchasing and servicing accounts receivable through a joint venture.
- Permitted, August 4,1997
Kansas City
Community Bankshares, Inc., Denver, Colorado -- to acquire shares of Upper Rio
Grande Bank Corporation, Del Norte, Colorado.
- Approved, August 6,1997
Kansas City
First Fairland Bancshares, Inc., Fairland, Oklahoma —to acquire Fairland Holding
Company, Neosho, Missouri.
- Approved, August 8,1997
Kansas City
First National Bank Shares, Ltd., Great Bend, Kansas •• to acquire shares of
BankWest, Castle Rock, Colorado.
- Approved, August 6,1997
H.2
August 3,1997 to August9,1997
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Page 3
Philadelphia
Keystone Financial Inc., Harrisburg, Pennsylvania -- to acquire MMC & P, Inc.,
Pittsburgh, Pennsylvania, and thereby engage in employee benefits consulting
services.
- Approved, August 5,1997
Kansas City
Lexington B&L Financial Corp., Lexington, Missouri —to acquire Lafayette
Bancshares, Inc., and engage in operating a savings association through ownership
of B&L Bank.
- Approved, August 7,1997
Cleveland
Mellon Bank Corporation, Pittsburgh, Pennsylvania ~ to acquire an equity
investment in Money Station, Inc., Columbus, Ohio.
- Permitted, August 5,1997
St. Louis
Middleburg Bancorp, Inc., Middleburg, Kentucky —to acquire voting stock of
Lincoln Financial Bancorp, Inc., Stanford, Kentucky, and thereby indirectly acquire
Lincoln Federal Savings Bank, Liberty, Kentucky.
- Approved, August 5,1997
Chicago
Northwest Suburban Bancorp, Inc., Arlington Heights, Illinois -- to acquire shares of
Mount Prospect National Bank, Mount Prospect, Illinois.
- Approved, August 4,1997
Minneapolis
Norwest Corporation, Minneapolis, Minnesota -- to acquire The Bank of the
Southwest, N.A., Pagosa Springs, Colorado.
- Approved, August 7,1997
Norwest Corporation, Minneapolis, Minnesota -- to engage through Norwest
Financial Services, Inc., and Norwest Financial, Inc., both of Des Moines, Iowa, in
consumer finance activities and the sale of insurance related to extensions of credit
through the acquisition of Fidelity Acceptance Corporation, Kansas City, Missouri.
- Permitted, August 7,1997
H.2
August 3,1997 to August9,1997
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Page4
Cleveland
Peoples Bancorp, Inc., Marietta, Ohio —to acquire Gateway Bancorp, Inc.,
Catlettsburg, Kentucky.
- Approved, August 5,1997
New York
Royal Bank of Canada —to engage through RBC Dominion Securities Corporation,
New York, New York, in certain futures commission merchant activities.
- Permitted, August 4,1997
Secretary
SouthTrust Corporation, Birmingham, Alabama, and SouthTrust of Alabama, Inc.
request for waiver of application to acquire Barnett Bank of Southwest Georgia,
Columbus, Georgia.
- Granted, August 4 ,1 9 9 7
Dallas
Sterling Bancshares, Inc., Houston, Texas —to acquire First Houston Bancshares,
Inc., Houston, Texas, and Houston National Bank.
- Approved, August 7,1997
Kansas City
Stockmens Financial Corporation, Rushville, Nebraska -- to acquire shares of
BankWest, Castle Rock, Colorado.
- Approved, August 6,1997
Richmond
Triangle Bancorp, Inc., Raleigh, North Carolina —to acquire Bank of Mecklenburg,
Charlotte, North Carolina.
- Approved, August 6,1997
BANK MERGERS
Richmond
Bank of Mecklenberg, Charlotte, North Carolina - to merge with
Triangle-Mecklenburg Interim Bank, Charlotte.
- Approved, August 6,1997
H.2
August3,1997 to August9,1997
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Page S
Atlanta
Colonial Bank, Montgomery, Alabama - to merge with First Independence Bank of
Florida, Fort Myers, Florida.
- Approved, August 7,1997
Richmond
First Virginia Bank-Southwest, Roanoke, Virginia —to merge with Premier
Bank-South, N.A., Wytheville, Virginia.
- Approved, August 6,1997
Richmond
Resource Bank, Virginia Beach, Virginia -- to merge with Eastern American Bank,
F.S.B., Herndon, Virginia, and establish two branches.
- Approved, August 7,1997
BANKS, NONMEMBER, AND MISCELLANEOUS INSTITUTIONS
San Francisco
Stockton Trust, Inc., Phoenix, Arizona —request for relief from certain
commitments.
- Withdrawn, August 8,1997
BANKS, STATE MEMBER
Chicago
Marshall & Ilsley Corporation and M & I Marshall Ilsley Bank, Milwaukee,
Wisconsin —request for waiver of application to acquire eleven interim banks.
- Granted, August 7,1997
Chicago
Nichols Bancorp, Inc., Nichols, Wisconsin -- request for waiver of a commitment in
connection with the purchase of a commercial lot.
- Granted, August 8,1997
CHANGE IN BANK CONTROL
Kansas City
Interstate Bank, Great Bend, Kansas —change in bank control.
- Permitted, August 4,1997
H.2
August 3,1997 to August9,1997
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Page 6
COMPETITIVE FACTORS REPORTS
New York
Bank Leumi Trust Company of New York, New York, New York - report on
competitive factors of the the proposed acquisition of assets and assumption of
liabilities of three United States branches of Bank Leumi Le-Israel B.M., Tel Aviv,
Israel.
- Submitted, August 6,1997
Richmond
Bank of Raleigh, Beckley, West Virginia —report on competitive factors of the
proposed merger with Beckley Federal Savings Bank, Beckley, West Virginia.
- Submitted, August 5,1997
Minneapolis
Bank of the Southwest, N.A., Pagosa Springs, Colorado - report on competitive
factors of the proposed acquisition of assets and assumption of liabilities of Norwest
Interim Bank Southwest, N.A.
- Approved, August 7,1997
Boston
BankBoston National, Boston, Massachusetts -- report on competitive factors of the
proposed acquisition of assets and assumption of liabilities of Pacific National Bank,
Nantuck, Massachusetts.
- Submitted, August 8, 1997
New York
China Trust Bank of New York, New York, New York -- report on competitive
factors of the proposed acquisition of certain assets and assumption of certain
liabilities of a branch of The Bank of New York in Hackensack, New Jersey.
- Submitted, August 5,1997
San Francisco
Citizens State Bank of Santa Paula, Santa Paula, California —report on competive
factors of the proposed merger with Interim Citizens, Inc.
- Submitted, August 8,1997
H.2
August 3, 1997 to August9,1997
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Page 7
Richmond
Community First Bank, Walhalla, South Carolina —report on competitive factors of
the proposed merger with Interim Community First Bank.
- Submitted, August 5,1997
St. Louis
Farmers Deposit Bank, Middleburg, Kentucky —report on competitive factors of the
proposed merger with Lincoln Federal Savings Bank, Liberty, Kentucky.
- Submitted, August 4,1997
Chicago
First State Bank, New London, Wisconsin -- report on competitive factors of the
proposed purchase of assets and assumption of liabilities of the Cecil, Wisconsin,
branch of M&I Bank of Shawano, Shawano, Wisconsin.
- Submitted, August 4,1997
First State Bank, New London, Wisconsin -- report on competitive factors of the
proposed purchase of assets and assumption of liabilities of the Waupaca,
Wisconsin, branch of Security Bank, S.S.B., Milwaukee, Wisconsin.
- Submitted, August 4,1997
Richmond
Matawan National Bank, Williamson, West Virginia -- report on competitive factors
of the proposed merger with Matewan National Bank/Kentucky, Pikeville,
Kentucky.
- Submitted, August 8,1997
Atlanta
Merchants Bank, Jackson, Alabama -- report on competitive factors of the proposed
purchase of certain assets and assumption of certain liabilities of the Grove Hill
Branch of United Security Bank, Thomasville, Alabama.
- Submitted, August 6,1997
Minneapolis
Mid-Wisconsin Bank, Medford, Wisconsin -- report on competitive factors of the
proposed purchase of the assets and assumption of the liabilities of the Northern and
Tomahawk, Wisconsin, branches of M&I Merchants Bank, Rhinelander, Wisconsin.
- Approved, August 8,1997
H.2
August3,1997 to August9,1997
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Page 8
Atlanta
Peoples Bank, Winder, Georgia -- report on competitive factors of the proposed
merger with Peoples Interim Corporation, Winder, Georgia.
- Submitted, August 6,1997
Richmond
Peoples Federal Savings and Loan Association, Conway, South Carolina —report on
competitive factors of the proposed merger with Investors Savings Bank of South
Carolina, Inc., Florence, South Carolina.
- Submitted, August 6,1997
Minneapolis
Richfield Interim Bank & Trust Company, Richfield, Minnesota -- report on
competitive factors of the proposed merger with Richfield Bank & Trust Company,
Richfield, Minnesota.
- Submitted, August 6,1997
Secretary
SouthTrust Bank of Alabama, N.A., Birmingham, Alabama —report on competitive
factors of the proposed merger with Barnett Bank of Southwest Georgia, Columbus,
Georgia.
- Submitted, August 7, 1997
EXTENSIONS OF TIME
San Francisco
BankAmerica Corporation, San Francisco, California —extension to divest certain
property.
- Approved, August 5,1997
Chicago
Country Bancorporation, Crawfordsville, Iowa -- extension to November 15, 1997,
to acquire shares of Hiawatha Bank and Trust Company, Hiawatha, Iowa.
- Granted, August 5,1997
St. Louis
FGH Bancorp, Inc., Herrin, Illinois —extension to November 15,1997, to become a
bank holding company through the acquisition of shares of Bank of Herrin, and
Carterville State & Savings Bank, Carterville, Illinois.
- Approved, August 5,1997
H.2
August 3, 1997 to August 9, 1997
Page 9
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Chicago
Halbur Bancshares, Inc., Halbur, Iowa -- extension to November 5,1997, to redeem
shares.
- Approved, August 5,1997
MEMBERSHIP
Chicago
Charter Bank, Wyandotte, Michigan —to become a member of the Federal Reserve
System.
- Approved, August 8,1997
Additions/Corrections
H.2
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
COMPETITIVE FACTORS REPORTS
San Francisco
Hawaiian Trust Company, Ltd., Honolulu, Hawaii —report on competitive factors of
the proposed merger with Bank of Hawaii.
- Submitted, August 1,1997
New York
Synergy Federal Credit Union, Cranford, New Jersey -- report on competitive
factors of the proposed merger with Synergy Federal Mutual Savings Bank.
- Submitted, July 28,1997
EXTENSIONS OF TIME
Atlanta
First Citizens Bancorp, Cleveland, Tennessee -- extension to November 2, 1997, to
convert its subsidiary', The Home Bank of Ducktown, Ducktown, Tennessee, to a
federally chartered savings bank.
- Granted, August 1,1997
FEDERAL RESERVE BANK OF BOSTON APPLICATIONS
SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY
Comment Period Ending Date
NONE
Application
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
Comment Period Ending Date
Application
FSB Bancorp, MHC and FSB
Bancorp, both of Farmington,
Maine -3(a)(1) application
to become bank holding
companies through the
acquisition of Franklin
Savings Bank, Farmington,
Maine*
Newspaper
08/24/97
Federal Register
08/28/97
SECTION III - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY
Comment Period Ending Date
NONE
Application
SECTION IV - APPLICATIONS NOT SUBJECT TO
FEDERAL REGISTER OR NEWSPAPER NOTICE
Application
NONE
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
institution
Examination Date
Rating**
NONE
SECTION VI - APPLICATIONS BULLETIN
Effective April 21, 1997, information regarding the comment periods associated with
applications and notices submitted to the Federal Reserve Bank of Boston for
processing under section 3 and 4(c) (8) of the Bank Holding Company Act of 1956, as
amended, will be available
24 hours a day by calling the following
toll-free number 1-800-896-9480.
♦Subject to CRA.
♦♦Rating Definitions:
"O" - Outstanding; "S" - Satisfactory; "N" - Needs to
Improve; "SN" - Substantial Noncompliance
FEDERAL RESERVE BANK OF NEW YORK
Comment Period
Ending Date
SECTION I
Applications Subject to Newspaper
Notice Only_____
None.
SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
Banco Santander, S.A.’s ("Santander") wholly-owned subsidiaries,
Santander Holding Intemacional, S.A.("Santander Holding") and
Santusa Holding, S.L. ("Santusa"), all of Madrid Spain (together,
the"Applicants"), to become bank holding companies in connection
with the transfer of all of the common stock of Santander’s 99.6
percent owned subsidiary, Banco Santander Puerto Rico, Hato Rey,
Puerto Rico, to Santusa and to retain: (i) 9.89 percent of the shares
of The Royal Bank of Scotland Group pic, Edinburg, Scotland; and
(ii) 9.81 percent of the shares of First Union Corporation, Charlotte,
North Carolina. Concurrent notice by Applicants to retain indirect
interests in certain nonbankingsubsidiaries of RBSG and First Union,
and thereby engage in certain nonbanking activities.!/
08/22/97 2/
SECTION III
Nonbanking Applications
(subject:to Federal Register Notice Only 1
Suez Lyonnaise des Eaux, Paris, France, Societe Generale de Belgique,
Brussels, Belgium, and Generale de Banque, Brussels, Belgium, to acquire
51 percent of the voting stock of Harbor Capital Management, Inc., Boston,
Massachusetts, and thereby engage de novo in the following activities:
investment advisory activities; investment transactions as principal;
and serving as general partner of, and providing management and private
placement services to unregistered investment funds.
SECTION IV
Applications Not Involving
__Public Comment__
None.
08/21/97
SECTION V
Availability of CRA Public Evaluations
In connection with the assessment of each insured depository institution's
CRA performance, a rating is assigned from the following group:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and
is a leader in, ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated
community, including low- and moderate- income neighborhoods,
in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record
of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate income
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate- income
neighborhoods, in a manner consistent with its resources and capabilities.
Week Ending August 9.1997
NAME OF BANK
RATING
None
1/ Subject to provisions of Community Reinvestment Act.
2/ Later of dates specified in newspaper and Federal Register notices.
2/ Date specified in newspaper notice; a later date may be specified in
the Federal Register notice.
4/ Date specified in Federal Register notice; a later date may be
specified in the newspaper notice.
N/A - Not Available
EXAMINATION DATE
FEDERAL RESERVE BANK OF PHILADELPHIA
SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER
NOTICE ONLY
Ambassador Bank of the Commonwealth. Allentown, Pennsylvania to effect and survive a
merger with Wilbur Savings Bank, Bethlehem, Pennsylvania, pursuant to Section 5(d)(3)
of the Federal Deposit Insurance Act.
Newspaper comment period expires:
expired
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 8, 1997.
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in, ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Bank/Location
Examination Date
CRA Rating
NONE
NONE
NONE
District
Federal Reserve Bank of Cleveland
A p plications and notifications filed during the w eek ending 8/9/97
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
NONE
Footnotes
Ending date o f
comment period
Section V - Availability of CRA public evaluations
Description o f the CRA Goal against which institutions are evaluated, the four performance levels, and the
institutions fo r which an evaluation is publicly available.
The CRA requires a periodic evaluation of each covered institution regarding the extent to which it has
ascertained, and helped meet, the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.
The federal bank regulators use the following four performance levels to rate an institution’s performance under
CRA.:
O u ts ta n d in g
S a tisfac to ry
N eeds to Im p ro v e
S u b s ta n tia l n o n c o m p lian ce
RSSD
number
212522
Footnotes
Institution/ Location
Somerset Trust Company
P.O. Box i n
151 West Main Street
Somerset, KY 15501
Examination
date
CRA
public date
CRA
rating
4/28/97
8/04/97
Satisfactory
Federal Reserve Bank of Richmond
Section I - Applications Subjectto Newspaper
Notice Only
Application
Comment Period Ending Date
First Community Bank, Inc., Buckhannon,
West Virginia, to acquire certain assets
and assume certain liabilities of the Man,
West Virginia, branch of The Huntington
National Bank, Columbus, Ohio.*
8-28-97
Crestar Bank, Richmond, Virginia, to merge
with American National Savings Bank, F.S.B.,
Baltimore, Maryland.*
8-30-97
Pee Dee State Bank, Timmonsville, South
Carolina, to establish a branch at 760
West Liberty Street, Sumter,South Carolina.*
9-2-97
Centura Bank, Rocky Mount, North Carolina,
to purchase certain assets and assume certain
liabilities of the Calabash, Dunn, Harmony,
Hertford, and Richlands, North Carolina,
branches of NationsBank, National Association,
Charlotte, North Carolina.*
9-4-97
Section II - Applications Subject to Both
Newspaper <jmd Federal-Rsgiatsr. Notice
Application
Comment Period Ending Date
None.
Section m
-.Appiisati.subject to gsflsrflLJ&sgister Notice
Application
Comment Period Ending Date
None.
Section IV - Application Not Subject to
Federal RegisterNotice or Newspaper Notice
Application
None.
♦Application is subject to CRA requirements.
Federal Reserve Bank of Richmond
SectiQEL-y - Availability .of.CRA Eublic Evaluations
Week ending August 8, 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
911825
Examination
Name of Bank
Heritage Bank and Trust
841 North Military Highway
Norfolk, Virginia 23502-3626
___ Pate__
5-19-97
Bating
Satisfactory
Federal Reserve Bank o f Atlanta
Applications Bulletin for Week Ending August 8.1997
Section 1 - Applications Subject to Newspaper Notice Only
Application
Comment Period Ending Date
AmSouth Bank
08-29-97*
Birmingham, Alabama
To establish a branch located at 11314 Causeway Boulevard, Brandon, Florida.
AmSouth Bank
08-29-97*
Birmingham, Alabama
To establish a branch located at 15051 Tamiami Trail, Fort Myers, Florida.
Colonial Bank
Montgomery, Alabama
To establish a branch located at 4336 US Highway 231, Wetumpka, Alabama.
09-07-97*
Metro Bank of Dade County
08-07-97*
Coral Gables, Florida
To establish a branch located at 4820 N. Federal Highway, Lighthouse Point, Florida.
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application
Comment Period Ending Date
Valley National Corporation
Not yet available*
Lanett, Alabama
1-BHC formation, Valley National Bank of Lanett, Lanett, Alabama.
Independent Bancshares, Inc.
Not yet available*
Powder Springs, Georgia
Afiter-the-factchange in control by Mr. Bob Maurice Prillamanand Ms. Lillias B. Prillamanto retain
10.4 percent of the outstanding shares of Independent Bancshares, Inc., Powder Springs, Georgia.
*Subject to provisions o f the Community Reinvestment A ct
Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending August 8.1997
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application
Comment Period Ending Date
St. Mary Holding Corporation
08-27-97*
Franklin, Louisiana
Newspaper
After-the-fact change in control notice by Mr. Marshall T. Reynolds to retain 11.1 percent of the
outstanding shares of St. Mary Holding Corporation, Franklin, Louisiana.
Tri-Parish Bancshares, Ltd.
08-13-97*
Eunice, Louisiana
Newspaper
Change in control notice by Harold Edwin McGlasson, Karen Jane Veilon McGlasson and Vorhies
& Labbe Profit Sharing Plan, to increase their ownership to 32.25 percent of the outstanding shares
of Tri-Parish Bancshares, Ltd., Eunice, Louisiana.
Section 3 - Applications Subject to Federal Register Only
Application
Comment Period Ending Date
CB&T, Inc.
08-20-97
McMinnville, Tennessee
After-the-fact notice to retain CB&T Insurance, Inc., Smithville, Tennessee, and thereby continue
engaging 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.
Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Gulf West Banks, Inc.
St. Petersburg, Florida
Request for waiver of the application requirement of Section 3(a)(3) of the Bank Holding Company
Act to acquire Citizens National Bank and Trust Company, Port Richey, Florida.
*Subject to provisions of the Community Reinvestment Act.
Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending August 8.1997
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 outstanding record
of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs: An institution has a satisfactory record
of ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-incomeneighborhoods, in a manner consistent with its resources and capabilities
Needs to improve record of meeting community credit needs: An institution needs to improve
its overall record of ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Substantial noncompliance in meeting community credit needs: An institution has a
substantially deficient record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-incomeneighborhoods, in a manner consistent
with its resources and capabilities.
Bank
CRA Rating
Examination Date
Independent Bank of Ocala Satisfactory
Post Office Box 2900
Ocala, Florida 32678
(904) 622-2377
04-28-97
Family Bank
Post Office Box 10
Hallandale, Florida 33009
(305) 458-2211
04-21-97
Satisfactory
Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending August 8.1997
Recently Approved Applications
Approval Date
Colonial Bank
08-06-97
Montgomery, Alabama
To merge with First Independence Bank of Florida, Fort Myers, Florida, pursuant to Section 18(c)
of the Federal Deposit Insurance Act.
Colonial Bank
Montgomery, Alabama
To establish a branch located at 5441 Highway 90 West, Mobile, Alabama.
08-07-97
Colonial Bank
Montgomery, Alabama
To establish a branch located at 3379 Peachtree Road, Atlanta, Georgia.
08-07-97
SouthTrust Corporation
08-04-97
Birmingham, Alabama
Request for waiver of the application requirement of Section 3(a)(3) of the Bank Holding Company
Act by SouthTrust Corporation, Birmingham, Alabama, to acquire Barnett Bank of Southwest
Georgia, Columbus, Georgia.
Compass Bank
08-06-97
Jacksonville, Florida
To establish a branch located at the intersection of J. Turner Butler Boulevard and Gate Parkway,
Florida.
Federal Reserve Bank of Chicago
Section I - Applications Subject to Newspaper
Notice Only
Comment Period
Ending Date
Type
Application
Branch
NP - 8-7-97
First American Bank
Carpentersville, Illinois
Northeast comer of intersection of Roosevelt Road (Route 38)
and Bakerhill Road
Glen Ellyn, Illinois
Branch
Fifth Third Bank of Central Indiana
Indianapolis, Indiana
3060 Valley Farms Road
Indianapolis, Indiana
NP - 8-15-97
Branch
First Farmers Bank & Trust Company
Converse, Indiana
36 West Fifth Street
Pem, Indiana
NP - 8-18-97
Branch
Mercantile Bank of Western Iowa
Des Moines, Iowa
Clay County Fair, 1404 4th Avenue West
Spencer, Iowa
NP - 8-4-97
Branch & Merger
F & M Bank-Fennimore
Fennimore, Wisconsin
F & M Bank - Potosi
Potosi, Wisconsin
F & M Bank - Lancaster
Lancaster, Wisconsin
to establish branches at
302 South Madison
Lancaster, Wisconsin
102 South Main Street
Potosi, Wisconsin
100 Rosalyn Avenue
Dickeyville, Wisconsin
N P - **
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
Reg K
Caisse Nationale de Credit Agricole
Paris, France
To establish branches in
New York, New York and Chicago, Illinois
NP - 8-9-97
Reg K
Credit Agricole Indosuez
Paris, France
To establish branches in
New York, New York and Chicago, Illinois
NP - 8-9-97
Branch
Firstar Bank Wisconsin
Madison, Wisconsin
East Pointe Shopping Center
5673 Highway 10 East
Stevens Point, Wisconsin
NP - 8-21-97
NP - Newspaper
FR - Federal Register
* - Subject to Provisions of Community Reinvestment Act
** - Not available at this time
Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspaper and Federal
Register Notice
Comment Period
Ending Date
Type
Application
3(a)(3)
Bank of Elmwood Employee Stock Ownership
Plan and Trust*
Racine, Wisconsin
Elmwood Financial Corporation
Racine, Wisconsin
Bank of Elmwood
Racine, Wisconsin
FR - 8-4-97
NP - 7-24-97
CoC-HC
Damen Financial Corporation
Schaumburg, Illinois
By Jackson Boulevard Fund, Ltd. and
Paul J. Duggan
P R _ **
3(a)(1)
Progressive Bancorp, Inc.*
Pekin, Illinois
Pekin Savings, S.B.
Pekin, Illinois
FR - 8-15-97
NP - 8-14-97
CoC-HC
First Business Bancshares, Inc.
Madison, Wisconsin
By Sam Jacobsen
PR . **
3(a)(1)
First State Bancshares, Inc.*
Ida Grove, Iowa
First State Bank
Ida Grove, Iowa
FR - 8-15-97
NP - 8-22-97
3(a)(1)
Hometown Independent Bancorp, Inc.*
Morton, Illinois
Morton Community Bank
Morton, Illinois
FR - 8-15-97
N P - **
N p . **
N P - **
Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspaper and Federal
Register Notice cont’d
Comment Period
Ending Date
Type
Application
4(c)(8)
Associated Banc-Corp
Green Bay, Wisconsin
First Financial Corporation
Stevens Point, Wisconsin
First Financial Bank, FSB
Stevens Point, Wisconsin
Appraisals Services, Inc.
Milwaukee, Wisconsin
First Financial Card Services Bank, N.A.
Stevens Point, Wisconsin
FR - 8-15-97
NP - 7-16-97
3(a)(3)
O.A.K. Financial Corporation*
Byron Center, Michigan
Caledonia Financial Corporation
Caledonia, Michigan
State Bank of Caledonia
Caledonia, Michigan
FR - 8-15-97
N P - 8-11-97
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
P R _ **
N P - **
Federal Reserve Bank of Chicago
Section III - Applications Subject to Federal Register
Notice Only
Comment Period
Ending Date
-Type
Application
4(c)(8)
First National Bancshares, Inc.
East Lansing, Michigan
To engage de novo in making & servicing loans through
its subsidiary Finance Company of North America, LLC
East Lansing, Michigan
FR - 8-7-97
4(c)(8)
ABN AMRO Bank, N.V.
Amsterdam, The Netherlands
Visa Interactive, Inc.
through Integrion Financial Network, LLC, Atlanta, Georgia
F R - 8-11-97
4(c)(8)
ABN AMRO Holding, N.V.
Amsterdam, The Netherlands
Visa Interactive, Inc.
through Integrion Financial Network, LLC, Atlanta, Georgia
F R - 8-11-97
4(c)(8)
ABN AMRO North America, Inc.
Chicago, Illinois
Visa Interactive, Inc.
through Integrion Financial Network, LLC, Atlanta, Georgia
F R - 8-11-97
4(c)(8)
Stichting Administratiekantoor ABN AMRO Holding
Amsterdam, The Netherlands
Visa Interactive, Inc.
through Integrion Financial Network, LLC, Atlanta, Georgia
F R - 8-11-97
4(c)(8)
Stichting Prioriteit ABN AMRO Holding
Amsterdam, The Netherlands
Visa Interactive, Inc.
through Integrion Financial Network, LLC, Atlanta, Georgia
F R - 8-11-97
Federal Reserve Bank of Chicago
Section III - Applications Subject to Federal Register
Notice Only cont’d
Comment Period
Ending Date
Type
Application
4(c)(8)
Northern Bankshares, Inc.
McFarland, Wisconsin
To extend its lending authority
PR _ **
4(c)(8)
Bank of Montreal
Toronto, Canada
Cash Station, Inc.
Chicago, Illinois
FR - **
4(c)(8)
Bankmont Financial Corp.
Chicago, Illinois
Cash Station, Inc.
Chicago, Illinois
PR - **
4(c)(8)
Harris Bankcorp, Inc.
Chicago, Illinois
Cash Station, Inc.
Chicago, Illinois
PR - **
4(c)(8)
Harris Bankmont, Inc.
Chicago, Illinois
Cash Station, Inc.
Chicago, Illinois
PR _ **
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
NONE
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 8, 1997. If you are interested in obtaining a copy of the evaluation document, please
contact the bank(s) directly.
Identification of Ratings
O-
An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
S-
An institution in this group has a satisfactory record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
NI -
An institution in this group has a needs to improve its overall record of ascertaining
and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.
SN -
An institution in this group has a substantial noncompliance record of ascertaining
and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.
BANK NAME/LOCATION
Iowa Trust & Savings Bank
2101 10th Street
P.O. Box 159
Emmetsburg, Iowa 50536-0159
(712) 852-3451
RSSD #649342
EXAMINATION DATE
5/5/97
RATINGS
S
Federal Reserve Bank of Chicago
Section V - Availability of CRA Public Evaluations
cont’d
BANK NAME/LOCATION
EXAMINATION DATE
RATINGS
The First Commercial Bank
6945 North Clark Street
Chicago, Illinois 60626-3298
(312) 761-4300
RSSD #48730
3/31/97
S
The Friendship State Bank
5908 State Road 62
Friendship, Indiana 47021
(812) 667-5101
RSSD #427241
4/7/97
O
Farmers State Bank of
Western Illinois
600 Main Street
New Windsor, Illinois 61465
(309) 667-2735
RSSD #653433
4/14/97
S
Cedar Valley State Bank
345 West 4th Street
P.O. Box 548
St. Ansgar, Iowa 50472-0548
(515) 736-2425
RSSD #858649
4/21/97
S
The Security Trust &
Savings Bank
617 West Sheridan
Shenandoah, Iowa 51601-1707
(712)246-1311
RSSD #352941
4/21/97
s
RESERVE B A N K APPLICATIONS BULLETIN
For week ending A ugust 8, 1997
FEDERAL RESERVE BANK OF ST. LOUIS
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application
End of Comment Period
* Section 9 notification by The Bank of Bentonville,
Bentonville, Arkansas, to establish a branch at 1802
Forest Hills Boulevard, Bella Vista, Arkansas.
8-24-97
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
Application
End of Comment Period
None.
SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application
End of Comment Period
Section 4(c)(8) notification by Hardin County
Bancshares, Inc., Savannah, Tennessee, to acquire
Majors Insurance Agency, Inc., Adamsville,
Tennessee.
8-26-97
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 B A N K APPLICATIONS BULLETIN
For week ending A ugust 8, 1997
FEDERAL RESERVE BANK OF ST. LOUIS
SECTION V - AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification of Ratings:
Outstanding record o f m eeting 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 m eeting community credit needs
An institution in this group has a satisfactory record of ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
Needs to improve record o f meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
97neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncom pliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Bank RSSD
Number
493143
Name of Bank
State Bank of Lima, IL
Bank Address
Lima, IL
Exam ination
Date
05/12/97
Examination
Rating
Satisfactory
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 N otice Only
Comment Period
Ending Date
Application
Le Sueur State Bank, Le Sueur, Minnesota to purchase
certain assets and assume certain liabilities o f the Cloquet,
Minnesota branch o f TCF National Bank Minnesota,
M inneapolis, Minnesota, and, incident thereto, to establish
a branch. *
Not yet available
* Subject to CRA
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 N otice
Comment Period
Ending Date
Application
Bloomer Bancshares, Inc., Bloomer, W isconsin for prior
approval to become a bank holding company through the
acquisition o f 100% o f the voting shares o f Peoples State
Bank, Bloomer, W isconsin. *
September 5,1997
(Federal Register)
* Subject to CRA
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 N otice 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 N otice or Newspaper N otice
Application
NONE.
FEDERAL RESERVE BANK OF M INNEAPOLIS
Section V - Availability o f
CRA Public Evaluations
w eek ending August 8,1 9 9 7
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 manner consistent with its resources and capabilities.
SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient record o f ascertaining and helping to meet the
credit needs o f its entire delineated community, including low-and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
BANKtS'i EXAMINED
DATE OF EXAMINATION
CRA RATING
F&M Bank-Lakeland
Highway 51 and Townline Road
Woodruff, WI 54568
(715)356-3214
April 21, 1997
Satisfactory
Federal Reserve Bank of Kansas City
Week ending August 8,1997
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
cm
APPLICATION
Mercantile Bank, Overland Park, Kansas, for prior
approval to merge with Roosevelt Bank, Chesterfield,
Missouri, and to establish additional branches.
PERIOD
smeit GJMTE
Not Available
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
APPLICATION
CO
PPERIOD ENDING DATE
First National of Nebraska, Inc., Omaha, Nebraska,
and its subsidiary, First National of Colorado, Fort
Collins, Colorado, for prior approval to acquire 100
percent of the voting shares of Platte Valley National
Bank, Grand Island, Nebraska, and First National of
Nebraska, Lincoln, Nebraska, both de novo banks in
organization.*
August 25, 1997
Gold Banc Corporation, Inc., Leawood, Kansas, for
prior approval to acquire up to 100 percent of the
voting shares of Farmers Bancshares of Oberlin, Inc.,
Oberlin, Kansas, and thereby indirectly acquire
Farmers National Bank, Oberlin, Kansas.*
August 21, 1997
Kirk F. and Patricia A. McConachie, Andover,
Kansas, to retain control of Andover Financial
Corporation, Andover, Kansas, and its subsidiary, The
Andover State Bank, Andover, Kansas.
August 22, 1997
SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
APPLICATION
COMMENT PERIOD ENDING DATE
Emprise Financial Corporation, Wichita, Kansas, for
prior approval to acquire up to 9.9 percent of the
voting shares of Mid Continent Bancshares, Inc., El
Dorado, Kansas, parent of Mid Continent Federal
Savings & Loan Association, El Dorado, Kansas, and
thereby indirectly engage in operating a savings
association.*
September 2, 1997
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
AEPJLICATIQN
SBT Bancshares, Inc., Colorado Springs, Colorado,
for prior approval to operate State Bank & Trust
Mortgage L .L.C ., Colorado Springs, Colorado, as a
joint venture with Auer Mortgage Company, Inc.,
Colorado Springs, Colorado; and engage de novo in
mortgage origination and lending activities.
Community Bancshares of Alva, Inc., Alva,
Oklahoma, for prior approval to redeem 47,100 shares
of its voting common stock and 5,000 shares of its
preferred 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 manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.
Exam Date
CRA Public
Date
22057
Havelock Bank
6145 Havelock Avenue
Lincoln, Nebraskas 68507-1234
5-5-97
8-7-97
Satisfactory
Citizens State Bank
328151
P.O. Box 413
Miltonvale, Kansas 67466-0413
5-5-97
8-7-97
Satisfactory
Stockgrowers State Bank
565853
P.O. Box 790
Worland, Wyoming 82401-0790
5-5-97
8-8-97
Satisfactory
Bank/Location
RSSD#
♦Application is subject to CRA.
CRA
Rating
District 11
Federal Reserve Bank of Dallas
Applications and N otifications Filed During the W eek o f August 4 , 1997
Section I - A pplications 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 - A pplications subject to both newspaper and Federal R egister notice
Comment period
ending date
Type
Application
♦Section 3(a)(3)
ANB Corporation, Terrell, TX, to acquire
Lakeside Bancshares, Inc., Rockwall, TX, and
Lakeside National Bank, Rockwall, TX
♦Section 3(a)(1)
New Broadway, Inc., San Antonio, TX, to acquire Broadway N/A
Bancshares, Inc., San Antonio, TX,
Broadway Bancshares o f Delaware, Inc., W ilmington, DE,
Broadway National Bank, San Antonio, TX, and
Eisenhower National Bank, San Antonio, TX
♦Section 3(a)(1)
Nichols Bancshares, Inc., Kenedy, TX, to acquire
J. M. N ichols, Inc., Dover, DE, and
First-Nichols National Bank o f Kenedy, Kenedy, TX
N/A
♦Section 3(a)(1)
J. M. N ichols, Inc., Dover, DE, to acquire
First-Nichols National Bank o f Kenedy, Kenedy, TX
N/A
Change in Control Thomas M. W oodruff, Humble, TX, only notificant,
to acquire an interest in Grimes County Capital
Notice
Corporation, Houston, TX
N /A
Change in Control W illiam A. Gage, Houston, TX, only notificant, to acquire
an interest in First Bancshares o f Texas, Inc., Houston, TX
Notice
(Previously reported during the week o f July 28, 1997)
**97/08/20
*♦97/09/03
Federal Reserve Bank of Dallas
Section II - Applications subject to both newspaper and Federal Register notice
Type
Application
Comment period
ending date
* Subject to CRA.
** Comment period ending date is the date specified in the newspaper only.
N /A - Not available at this time.
Section III - Applications subject to Federal Register notice only
Type
Application
Comment period
ending date
None.
* Subject to CRA.
Section TV - Applications not subject to Federal Register or newspaper notice
Type
None.
Application
Comment period
ending date
FederalReserveBank ofDallas
Section V - Publicly available CRA evaluations
Description o f the CRA goal against which institutions are evaluated, the four performance levels, and the
institutions for which an evaluation is publicly available.
The CRA requires a periodic evaluation of each covered institution regarding the extent to which is has
ascertained, and helped meet, the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
The federal bank regulators use the following four performance levels to rate an institution's performance
under CRA:
Outstanding
Satisfactory
Needs to improve
Substantial noncompliance
RSSD
number
Examination
date
Institution/ Location
CRA
public date
CRA
rating
None.
Section VI - CRA examinations scheduled
Institution
Quarter of
Location
*N/A*
* The examination schedule for the fourth quarter of 1997 will be published on August 16, 1997.
FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 8/08/97
Section I - Applications Subject to Newspaper Notice Only
Application
Comment Period Ending Date
Silicon Valley Bank, Santa Clara,
California, to establish a branch office
at 899 Adams Street, Suite G2, St. Helena,
California. *
Newspaper:
7/25/97
Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Richard A. and Ramona Lagomarsino, the Ramona
Lagomarsino Family Limited Partnership, Robert J. and
Norma M. Lagomarsino, and Catherine S. and Jack W.
Wood, Ventura, California, to retain their ownership of
19.06 percent of Americorp, Ventura, California. *
Newspaper: Not available
Fed. Reg.:
8/20/97
John I. Bloomberg, Park City, Utah, to acquire
3.2 percent of Draper BanCorp, Draper,
Utah. *
Newspaper:
Not available
Fed. Reg.:
8/12/97
1867 Western Financial Corporation, Stockton,
California, to acquire less than 25 percent of Capital
Corp of the West, Merced, California. *
Newspaper:
8/31/97
Fed. Reg.:
9/02/97
Section III -Applications Subject to Federal Register Only
1867 Western Financial Corporation, Stockton,
California, to engage indirectly in operating an
industrial loan company and providing credit life
insurance through the acquisition of Town and
Country Finance and Thrift Company, Turlock,
California, which is a subsidiary of Capital Corp of
the West, Merced, California.
Fed. Reg.:
8/26/97
1867 Western Financial Corporation, Stockton,
California, to engage indirectly in management
consulting and furnishing investment advice through
Capital West Group, Inc., Merced, California, which
is a subisidary of Capital Corp of the West, Merced,
California.
Fed. Reg.:
8/26/97
* Subject to CRA.
FEDERAL RESERVE BANK OF SAN FRANCISCO
Weekending 8/08/97
Section III -Applications Subject to Federal Register Only (cont’tU
BankAmerica Corporation, San Francisco, California, to
engage in unerwriting and dealing in debt and equity
securities and in obligations of the U.S.; acting as an
investment advisor; providing securities brokerage
services; acting as riskless principal; and acting as agent
for private placement o f securities through Robertson,
Stevens & Company Group, L.L.C., and Robertson,
Stevens & Company, Inc., both of San Francisco,
California.
Fed. Reg.;
Section IV - Applications Not Subject to Federal Register Notice
or Newspaper Notice (Corn'd.)
None
Not available
FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 8/08/97
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution^) below became available during this week. Information
about a particular institution's CRA evaluation may be obtained directly from the institution.
Examination Date
Institution
Location
California Center Bank
2222 W. Olympic Blvd.
Los Angeles, CA 90006-2118
(213) 386-2222
3/03/97
Rating*
Needs To Improve
"Tinder the rating system an institution's CRA performance is assigned one of the following four ratings:
Outstanding record of meeting community credit needs: An institution has an outstanding record of,
and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
Satisfactory record of meeting community credit needs: An institution has a satisfactory record of
ascertaining and meeting the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
Needs to Improve record of meeting community credit needs: An institution needs to improve its
overall record of ascertaining and helping to meet the credit needs of its entire delineated community,
including low- to moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
Substantial Noncompliance in meeting community credit needs: An institution has a substantially
deficient record of ascertaining and helping to meet the credit needs of its entire delineated community,
including low- to moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
The above listing has been prepared as a courtesy by the Federal Reserve Bank of San Francisco, and
is not intended to replace formal notices required by statute or regulation; the Reserve Bank assumes no
responsibility for errors or omissions.
H.2A
NoticeofFormations and Mergers of,and Acquisitionsby,Bank Holding
Companies; Change inBank Control
Notices Filed as of August 14,1997
The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act of
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j)), Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board of Governors, no
later than the end of the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end of this release.
The public portions of the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;
addresses are listed at the end of this release. Applications and notices also may be obtained from the
Board.
Applicant o r notificant
Acquiree o r activity
1867 Western Financial
Corporation (1),
Stockton, CA
CONTINUED
Capital Corp of the West,
Merced, CA, &Town&
Country Finance & Thrift
Co., Turlock, CA &
Capital West Group, Inc.,
Stockton, CA operating an
industrial loan co. (bX4);
providing credit life
insurance (bX 11);
management consulting
(bX9); 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 (bX6)
4
San Francisco
August 26,1997
Capital Corp of the West,
Merced, CA & County
Bank, Merced, CA
3
San Francisco
September 2,1997
Applicant or notificant
Acquiree or activity
Altus NBC Corporation,
Inc., Oklahoma City,
OK
NBC Corporation, Inc.,
Oklahoma City, OK, and
NBC Technologies, Inc.,
Oklahoma City, OK
providing data
processing services (bX14)
ANB Corporation,
Terrell, TX
Reserve Bank
End of comment period
4
Kansas City
June 25,1997
Lakeside Bancshares, Inc.,
Rockwall, TX & Lakeside
National Bank, Rockwall,
TX
3
Dallas
August 25,1997
Arrendale, Thomas A.,
Ill, Gainesville, GA,
Bussey, Cynthia A.,
Atlanta, GA, and
Arrendale, Nelle,
Clatkesville, 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 (bX4);
Appraisal Services, Inc.,
Milwaukee, WI performing
appraisals o f real estate &
CONTINUED
4
Chicago
August 15,1997
Associated BancCorp(2), Green Bay, WI
CONTINUED
tangible personal property
(bX2); & First Financial
Card Services Bank, N.A.,
Stevens Point, WI operating
a
credit card bank (bXl) and
(2)
4
Chicago
August 15,1997
Section of law
Applicant or notificant
Acquiree or activity
Associated Banc-Corp,
Green Bay, WI
First Financial Corporation,
Stevens Point, WI,
and First Financial Bank,
FSB, Stevens
Point, WI owning &
operating a
savings and loan
association (bX4)
4
Chicago
August 5,1997
Banco Bilbao Vizcaya,
S.A.,
Bilbao, Spain
BBV Latlnvest Securities
Inc.,
New York, NY,
securities activities (bXl),
(bX4),(bX15),and(bX16)
4
New York
March 4,1997
Bank of Elmwood
Employee Stock
Ownership Plan and
Trust, Racine, WI
Elmwood Financial
Corporation, Racine, WI,
mid 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
Bank of New York
Company, Inc.,
New York, NY
State Street Boston
Corporation,
Boston, MA;
State Street Bank and Trust
Company,
Boston, MA
trust, securities and data
processing activities (bX3),
(bX4),and(bX7)
3 and 4
New York
March 14, 1997
Banterra Corp,
Eldorado, IL
1st Bancorp Vienna, Inc.,
Vienna,
IL, First State Bank of
Vienna, Vienna, IL
3
St. Louis
July 18,1997
Section of law
Reserve Bank
End of comaient period
Applicant or notificant
Acquiree or activity
Barnett Banks, Inc.(l),
Jacksonville, FL; BB&T
Corp., Winston-Salem,
NC; Central Fidelity
Banks, Inc., & Crestar
Financial Corp.,
Richmond, VA; First
American Corp.,
Nashville, TN; First
Citizens BancShares,
Inc., Raleigh, NC;
CONTINUED
through HONOR
Technologies, Inc.,
Maitland, FL, Monetary
Transfer System, L.L.C., St.
Louis, MO, directly &
indirectly in certain data
processing & electronic
funds
transfer services (bX14)
Section of law
Reserve Bank
End of comment period
4
Richmond
September3,1997
Barnett Banks, Inc.(2),
Jacksonville, FL; First
Union Corp., Charlotte,
NC; First Virginia
Banks, Inc., Falls
Church, VA; Jefferson
Bankshares, Inc.,
Charlottesville, VA;
NationsBank Corp.,
Charlotte, NC; Riggs
Nat'l Corp.,
Washington, D.C.;
CONTINUED
4
Richmond
Septembers, 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
4
Atlanta
August 15,1997
Barnett Banks, Inc.,
Jacksonville, FL
First of America BankFlorida, FSB, Tampa, FL
owning, controlling &
operating a savings
association (bX4)
Applicant or notificant
Acquiree or activity
BB&T Corporation(A),
Winston-Salem, NC
CONTINUED
Craigie Incorporated,
Richmond, VA in
underwriting & dealing in,
to a limited extent, all types
of debt & equity
securities, other than
interests in open end
investment companies;
underwriting & dealing in
bank-eligible securities,
(bX8);
CONTINUED
4
Richmond
August 20, 1997
BB&T Coiporation(B),
Winston-Salem, NC
CONTINUED
providing securities
brokerage services on either
a stand-alone or full-service
basis (bX7); acting as agent
for issuers & holders in die
private placement of
various types of securities
with financially
sophisticated counterparties
in a
CONTINUED
4
Richmond
August 20, 1997
BB&T Corporation(C),
Winston-Salem, NC
CONTINUED
non-public offering (bX7);
buying & selling on the
order of investors as a
riskless principal (bX7);
making, acquiring or
servicing loans or other
extensions of credit,
including purchasing &
selling such loans &
extensions of credit in the
CONTINUED
4
Richmond
August 20,1997
BB&T Corporation(D),
Winston-Salem, NC
CONTINUED
secondary market, &
engaging in mortgage
banking activities (bXl);
acting as an investment or
financial advisor to the
extent of serving as the
advisory company for a
mortgage or real estate
investment trust; serving as
an investment
CONTINUED
4
Richmond
August20, 1997
Section of law
Reserve Bank
End of comment period
Applicant or notificant
Acquiree or activity
BB&T Coipoiadon(E),
Winston-Salem, NC
CONTINUED
adviser to an investment
company registered under
the 1940 Act, including
sponsoring, organizaing &
managing a closed-end
investment company;
providing portfolio
investment advice;
furnishing general
economic information &
advice, general
CONTINUED
4
Richmond
August 20,1997
BB&T Corporation(F),
Winston-Salem, NC
CONTINUED
economic statistical
forecasting services &
industry studies; &/or
providing financial advice
to state & local
governments, such as
w/respect to the issuance o f
their securities (1>X6);
providing advice & acting
as arranger in connection
CONTINUED
4
Richmond
August 20,1997
BB&T Corporation(G),
Winston-Salem, NC
CONTINUED
w/merger, acquisition,
divestiture & financial
transactions, including
public & private financings,
loan syndications, interest
rate & currency swaps,
interest rate caps & similar
transactions &/or furnishing
evaluation & fairness
opinions in
CONTINUED
4
Richmond
August 20,1997
BB&T Corporation(H),
Winston-Salem, NC
CONTINUED
connection w/merger,
acquisition, & similar
transactions (bX6) & (bX7);
acting as agent or broker
w/respect to interests in
loan sundications, interest
rate & currency swaps,
interest rate caps, floors &
collars, & options on such
CONTINUED
4
Richmond
August 20,1997
Section of law
Reserve Bank
End of comment period
Applicant or notificant
Acquiree or activity
BB&T Corporation(I),
Winston-Salem, NC
CONTINUED
instruments (bX7); leasing
personal or real property or
acting as agent, broker or
adviser in leasing such
property (bX3); providing
management consulting
advice to non-affiliated
depository institution
(b)(9); engaging in futures,
forward &
CONTINUED
4
Richmond
August 20,1997
BB&T Corporation^,
Winston-Salem, NC
CONTINUED
option contracts on bankeligible securities for
hedging purposes (bX8);
engaging in securities credit
activities (Reg. T),
including acting as a
conduit or intermediary in
securities borrowing &
lending (bX7); & serving as
the general partner
CONTINUED
4
Richmond
August 20,1997
BB&T Corporation(K),
Winston-Salem, NC
CONTINUED
of & holding equity
interests in certain limited
partnerships that would be
exempt from registration
under the 1940 Act.
4
Richmond
August 20,1997
BB&T Corporation,
Winston-Salem, NC
Virginia First Financial
Corporation, Petersburg,
VA, and Virginia Savings
Bank, F.S.B., Petersburg,
VA mortgage banking &
operating a savings & loan
association (bXO and (4)
4
Richmond
August 18,1997
BCB Bancorp, Inc.,
Chippewa Falls, WI
Heartland Data Center, Inc.,
Cameron, WI providing
data processing services to
local, nonaffiliated financial
institutions (bX14)
4
Minneapolis
August 11,1997
Big Lake Financial
Corporation,
Okeechobee, FL
CNB Financial Corporation,
Clewiston, FL, and
Clewiston National Bank,
Clewiston, FL
3
Atlanta
August 18,1997
Scctioa of law
Reserve Bank
Ead of com Meat period
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 BanCorp, Draper,
UT and Draper Bank &
Trust, Draper, UT
croc
San Francisco
August 12,1997
Bloomer Bancshares,
Inc., Bloomer, WI
Peoples State Bank,
Bloomer, WI
3
Minneapolis
September 5,1997
Bryan Family
Management Trust,
Bryan, TX, and BryanHeritage Limited
Partnership, Bryan, TX
Bryan-Heritage Limited
Partnership, Bryan, TX, and
The First National Bank of
Bryan, Bryan, TX
3
Dallas
July 21,1997
C B & T, Inc.,
McMinnville, TN
CBT Insurance, Inc.,
Smithville, TN in insurance
activities, (bXl 1)
4
Atlanta
August 20,1997
Cabot Bankshares, Inc.,
Cabot, AR
The Capital Bank, Cabot,
AR
3
St Louis
July 11, 1997
Cabot Bankshares, Inc.,
Cabot, AR
The Capital Bank, Little
Rock, AR
3
St Louis
August 11,1997
Cabot Bankshares, Inc.,
Cabot, AR
CORRECTION
The Capital Bank, Little
Rock, AR
3
St Louis
July 11,1997
Caisse Nationale de
Credit Agricole Paris,
France
Credit Agricole Indosuez,
Paris, France, and Indosuez
Investment Management
Services, Inc.,
Menlo Park, CA investment
management and advisory
services (bX6)
4
Chicago
July 25, 1997
Section of law
Reserve Bank
End of comment period
Applicant or notificant
Acquiree or activity
Canadian Imperial Bank
of Commerce(l),
Toronto, Canada
CONTINUED
CIBC Wood Gundy
Securities Corp. ("CIBC
Wood Gundy"), New York,
NY, all the outstanding
shares o f Oppenheimer
Holdings, Inc., New York,
NY, & its subsidiaries,
including
Oppenheimer & Co., Inc.,
New York, NY in
underwriting &
CONTINUED
4
New Yoik
August 28,1997
Canadian Imperial Bank
of Commerce(3),
Toronto, CA
CONTINUED
in activities related to
extending credit (bX2); in
providing financial &
investment advisory
services (bX6); in providing
securities brokerage,
riskless principal, private
placement, futures
commission merchant &
other agency transactional
CONTINUED
4
New York
August 28, 1997
Canidian Imperial Bank
ofCommerce(2),
Toronto, Canada
CONTINUED
dealing to a limited extent
in all types o f equity & debt
securities that a state
member bank may not
underwrite and deal in,
except ownership interests
in open-end investment
companies;in making loans
or other extensions of credit
(bXO;
CONTINUED
4
New York
August 28, 1997
Canidian Imperial Bank
of Commerce(4),
Toronto, Canada
CONTINUED
services (bX7); in
underwriting & dealing in
government obligations &
money market instruments,
providing investments &
trading services & buying
& selling bullion & realted
activities 0>X8)
4
New Yoric
August28, 1997
Section of law
Reserve Bank
End of comment period
Applicant or notiiicant
Acquiree or activity
Carolina First
Corporation, Greenville,
SC
First Southeast Financial
Corporation, Anderson, SC
& First Federal Savings &
Loan Association of
Anderson, Anderson, SC in
operating a savings & loan
association (bX4Xii)
4
Richmond
September 3,1997
Cates, Joe Lecil and
Cates, Roger Kevin,
both ofLeedy, OK
Western Oklahoma
Bancshares, Inc., Elk City,
OK, and Bank o f 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
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, die purchase and
servicing o f
accounts receivable (bXl)
4
Kansas City
July 30,1997
Citizens Bancshares o f
Woodville, Inc.,
Woodville, WI
Investors bancorporation,
Inc., Hudson, WI & Bank
St. Croix, Roberts, WI
3
Minneapolis
August 25,1997
Section of law
Reserve Bank
End of comment period
Applicant or notifkant
Acquiree or activity
Citizens National Bank
ofWaxahachie
Employee Stock
Ownership Plan,
Waxahachie, TX
First Citizens Bancshares,
Inc. Waxahachie, TX &
Citizens National Bank,
Waxahachie, TX
CIBC
Dallas
September 3,1997
Citizens National
Corporation, Paintsville,
KY
Josephine Bancshares, Inc.,
Prestonburg, KY, and The
Bank Josephine,
Prestonburg, KY
3
Cleveland
July 28,1997
Comerzbank AG,
Frankfurt am Main,
Germany
CAM Acquisition, LLC,
Wilmington, DE
Montgomery Asset
Mangement, L.P.,
Montgomery Services,
LLC,
all of San Francisco, CA,
securities activities (bX7XQ
and (iii); financial &
Investment advisory
services (bX6);
administrative services
4
New York
May 14,1997
Commerce Bancshares,
Inc., Kansas City, MO,
and CBI-Kansas Inc.,
Kansas City, MO
CNB Bancorp, Inc.,
Independence,
KS, and Citizens National
Bank,
Independence, KS
3
Kansas City
August 8,1997
Commercial
Bancshares, Inc.,
Texarkana, AR
Citizens State
Bank, Hempstead, TX
3
S t Louis
July 29,1997
Community Bancshares,
Inc., Butler, MO
Citizens Bank, Appleton
City, MO
3
Kansas City
July 31,1997
Community Bancshares,
Inc., Denver, CO
Upper Rio Grande Bank
Corporation, Del Norte,
CO, and Rio Grande
County Bank, Del Norte,
CO
3
Kansas City
July 28,1997
Community Financial
Corp., Olney, IL
MidAmerica Bank o f St.
Clair County, OTallon, IL
3
St Louis
September 12,1997
Section of law
Reserve Bank
End of comment period
Applicant or notificant
Acquiree or activity
Community Holding
Company, Inez, KY
The First National Bank o f
Louisa, Louisa, KY, into a
federal-charted stock
savings bank, Inez Deposit
Bank, F.S.B., Inez, KY
savings & loan activities
(bX4)
4
Cleveland
August 26,1997
Community National
Bancorporation,
Waterloo, IA
Community National Bank
(in organization),
Waterloo, IA
3
Chicago
July 29,1997
Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A .(l), Rabobank
Nederland, Utrecht, The
Netherlands
CONTINUED
Smith Graham & Co. Asset
Managers L.P., Houston,
TX.&SGR Global
Advisers, Houston, TX, &
Robeco Institutional Asset
Management US, Inc.,
Houston, TX, & AEA
Global Advisors LLC, New
York, NY, & Robeco
Group, N.V., Rotterdam
CONTINUED
4
New York
July 10,1997
Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A.(2), Rabobank
Nederland, Utrecht, The
Netherlands
CONTINUED
Smith Graham & Co. Asset
Managers L.P., and SGR
Global Advisors, and
Robeco Institutional Asset
Management US, Inc., and
AEA Global Advisors,
LLC, and Smith Graham &
Co. Asset Managers L.P.,
and SGR Global Advisers,
CONTINUED
4
New York
July 10,1997
Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A.(3), Rabobank
Nederland, Utrecht, the
Netherlands
CONTINUED
Robeco Institutional Asset
Management US, Inc., and
AEA Global Advisors LLC,
in investment (bX6), as a
general partner to and
providing administrative
services to investment
partnerships, including
placing interests in such
partnerships, CONTINUED
4
New York
July 10,1997
Section of law
Reserve Bank
End of comment period
Applicant or notificant
Acquiree or activity
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,
First State Bancorp o f
Monticello, Inc.,
Monticello, IL
State Bank o f Hammond,
Hammond, IL; First State
Bank of Monticello,
Monticello, IL; First State
Bank o f Bloomington,
Bloomington, IL; First State
Bank ofHeyworth,
Heyworth, IL;
CONTINUED
CIBC
Chicago
May 16,1997
First State Bank o f Atwood,
Atwood, IL
CIBC
Chicago
May 16,1997
Cox, Walter L., Sr.,
Naples, TX
Morris County Bankshares,
Incorporated,
Naples, TX;
Morris County National
Bank,
Naples, TX
CIBC
Dallas
April 30,1997
Crestar Financial
Corporation, Richmond,
VA
American Naf I Bancorp,
Inc., & American Nafl
Savings Bank, F.S.B.,
Baltimore, MD acting as
agent in the sale of mutual
funds (bX7); in the sale of
home mortgage redemption
insurance (bXl 1X0; and in
die sale of annuities
4
Richmond
August 15,1997
( 1)
Monticello, IL
CONTINUED
Corley, John William,
(2)
Section of tow
Raeerve Bank
End of comment period
Monticelli, IL
CONTINUED
(bXHXvii)
Applicantornotificant
Acquireeoractivity
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 (bX4)
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
o f Aitkin, Aitkin, MN; MidContinent Financial
Services, Inc.,
Bloomington, MN, & State
Bank o f 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 Coip.,
Jackson,
MS; CitiSave Financial
Corporation, Baton
Rouge, LA; Citizens
Savings Association, F.A.,
Baton Rouge, LA operating
a savings association (bX4)
4
Atlanta
July 3, 1997
Deutsche Bank, AG
(Main)
Federal Republic of
Germany
Ganis 'Credit Corporation,
Newport Beach, CA,
lending (bXl)
4
New York
May 12, 1997
ECSB Holding
Company, Inc.,
Fort Walton Beach, FL
American National
Financial Corporation,
Panama City, FL and
First National Bank
Northwest Florida,
Panama City, FL
3
Atlanta
June 27,1997
Sectionoflaw ReserveBank
End ofcomment period
Applicant or notiflcant
Acquiree or activity
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 (bX4)
4
Kansas City
September 2,1997
Estrin Associates,
L.L.C. and Estrin
Family Limited
Partnership, Bethesda,
MD
Estrin Associates, L.L.C. &
Estrin Family Limited
Partnership T l, Bethesda,
MD
CIBC
Richmond
July 15,1997
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
(bXH)
3 and 4
Cleveland
August 7,1997
F.N.B. Corporation,
Hermitage, PA
Indian Rocks State Bank,
Largo, FL
3
Cleveland
September 2,1997
Fifth Third Bancorp,
Cincinnati, OH
Suburban Bancorporation,
Inc.,
Cincinnati, OH,
Suburban Federal Savings
Bank,
Cincinnati, OH
4
Cleveland
May 27, 1997
First Fairland
Banshares, Inc.,
Fairland, OK
Fairland Holding Company,
Inc., Neosho,
MO
3
Kansas City
August 1, 1997
Section of law
Reserve Bank
End of comment period
Applicantornotificant
Acquireeoractivity
First Financial
Caribbean Corporation,
San Juan, Puerto Rico
Doral Bank, San Juan,
Puerto Rico, and Doral
Mortgage Corporation,
Hato Rey, Puerto Rico
making, acquiring, or
servicing mortgage loans
(b)(1)
3 and 4
New York
August 18, 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 (bXl)
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, Incr,Omaha,
NE, & its subsidiary
First National of
Colorado, Inc., Fort
Collins, CO
Platte Valley National
Bank, Grand Island, NE &
First National of Nebraska,
Lincoln, NE
3
Dallas
August 25, 1997
First State Bancorp of
Monticello, Inc.,
Employee Stock
Ownership Plan(l),
Monticello, IL
CONTINUED
First State Bancorp of
Monticello, Inc.,
Monticello, IL & State
Bank of Hammond,
Hammond, IL; First State
Bank of Monticello,
Monticello, IL; First State
Bank of Bloomington,
Bloomington, IL; First State
Bank of Heyworth,
Heyworth, IL
CONTINUED
3
Chicago
September 12, 1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotificant
Acquireeoractivity
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 State Bancshares,
Inc., Ida Grove, LA
First State Bank, Ida Grove,
IA
3
Chicago
August 15,1997
Firstbank of Illinois Co.,
Springfield, IL
Geneva Capital
Corporation, Springfield,
IL serving as a broker in IL,
IN & St. Louis, MO for
mortgage loans to
companies engaged in
operating incomeproducing commercial real
estate & in extending credit
& servicing loans (bXl)
4
Chicago
August 26,1997
Florida Bancshares, Inc.,
Dade City, FL
First National Bank of
Pasco,
Dade City, FL
3
Atlanta
April 21, 1997
FSB Bancorp, MHC &
FSB Bancorp, both of
Farmington, ME
CORRECTION
Franklin Savings Bank,
Farmington, MN
CIBC
Boston
August 28,1997
FSB Bancorp, MHC,
and FSB Bancorp, both
of Farmington, ME
Franklin Savings Bank,
Farmington, ME
3
Boston
August 28, 1997
Gage, W. Allen,
Houston, TX
First Bancshares of Texas,
Inc., Houston, TX & First
Bank of Texas, Tomball, TX
CIBC
Dallas
August 28, 1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotificant
Acquireeoractivity
Gideon Bancshares
Company,
Dexter, MO
First Midwest Bank of
Chaffee,
Chaffee, MO
3
St. Louis
June 20,1997
Gold Banc Corporation,
Inc., Leawood, KS
Fanners Bancshares of
Oberlin, Inc., Oberlin, KS,
and Fanners National Bank,
Oberlin, KS
3
Kansas City
August 21,1997
Greenblatt, Leon A., Ill,
and Chiplease, Inc.,
both of Chicago, IL
Home Financial Bancorp,
Spencer, IN, and Owen
Community Bank, S.B.,
Spencer, IN
croc
Chicago
July 9,1997
Greer, Elmo,
East Bemstadt, KY
Cumberland Valley
Financial Company,
London, KY
croc
Cleveland
May 23,1997
Grell, Steven; Bovee
Investment Trust,
Bovee, Michael R.,
Trustee; Tamisiea,
Bruce; Nystrom, Bruce;
Grave, Gary; Cotton,
John M.; & Hultgren,
David M.; all of
Spencer, IA, acting in
concert
Albert City Bankshares,
Inc., Albert City, IA &
Albert City Savings Bank,
Albert City, IA & The
Citizens State Bank,
Marathon, IA
croc
Chicago
August 29,1997
Hardin County
Bancshares, Inc.,
Savannah, TN
Majors Insurance Agency,
Inc.,
Adaimsville, TN general
insurance agency activities
in a town of less than 5,000
(b)(ll)
4
St. Louis
August 26,1997
Harris Financial MHC,
Harrisburg, PA
Harris Financial Inc.,
Harrisburg, PA;
Harris Savings Bank,
Harrisburg, PA
3
Philadelphia
March 27,1997
Hatch, Gordon M.,
Portales, NM
Portales National
Bancshares, Inc., Portales,
NM, and Portales National
Bank, Portales, NM
croc
Dallas
August 8, 1997
Heartland Bancshares,
Inc., Franklin, IN
Heartland Community
Bank, Franklin, IN
3
Chicago
September 12, 1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotificant
Acquireeoractivity
Hibernia Corporation,
New Orleans, LA
Unicorp Bancshares-Texas
Inc., Orange, TX, and
OrangeBank, Orange, TX
3
Atlanta
August 11, 1997
Hometown Independent
Bancorp, Inc., Morton,
IL
Morton Community Bank,
Morton,
IL
3
Chicago
August 15, 1997
Horizon Bancorp, Inc.,
Beckley, WV
Beckley Bancorp, Inc.,
Beckley, WV, and
Beckley Federal Savings
Bank, Beckley,
WV operating a savings and
loan
association (b)(4)
4
Richmond
August 14, 1997
Huntington Bancshares
Incorporated(l),
Columbus, OH
CONTINUED
First Michigan
Bancorporation, and
Superior Financial Corp.,
Holland, MI; FMB-Sault
Bank, Saulte Ste. Marie, MI;
FMB-First Michigan Bank,
Zeeland, MI; FMB-First
Michigan
Bank, Grand Rapids, MI;
FMB-Lumberman's Bank,
Muskegon, MI;
CONTINUED
3 and 4
Cleveland
July 18, 1997
Huntington Bancshares
Incorporated(2),
Columbus, OH
CONTINUED
FMB-Northwestem Bank,
Boyne City, MI; FMB-State
Savings Bank, Lowell, MI;
FMB-Commercial Bank,
Greenville, MI; FMBSecurity Bank, Manistee,
MI; FMB-Community
Bank, Dowagiac, MI; FMBOceana Bank, Hart, MI;
CONTINUED
3 and 4
Cleveland
July 18, 1997
Huntington Bancshares
Incorporated(3),
Columbus, OH
CONTINUED
FMB-Reed City Bank, Reed
City, MI; FMB-Maynard
Allen Bank, Portland, MI;
FMB-Old State Bank,
Fremont, MI; FMB-Arcadia
Bank, Kalamazoo, MI; and
FMB-Trust, Holland, MI
trust company activities
(b)(5); FMB-Brokerage
Services, Inc., Holland, MI
CONTINUED
3 and 4
Cleveland
July 18, 1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotificant
Acquireeoractivity
Huntington Bancshares
Incorporated(4),
Columbus, OH
CONTINUED
customer investments
(bX7); and First Michigan
Life Insurance Co.,
Holland, MI insurance
agency underwriting
(bXH);
3 and 4
Cleveland
July 18,1997
Huntington Bancshares,
Inc.(A), Columbus, OH,
Huntington Capital
Corp.,
Columbus, OH
CONTINUED
underwriting & dealing to a
limited extent in all types of
debt securities, including
corporate debt, sovereign
debt securities, mortgage
revenue bonds, mortgagebacked and consumerreceivable securities J.P.
Morgan & Co.
CONTINUED
4
Cleveland
June 17,1997
Huntington Bancshares,
Inc.(B),
Columbus, OH
CONTINUED
The Chase Manhattan
Corp., Bankers Trust New
York Corp., Citicorp and
Security Pacific Corp. (75.
Fed. Res. Bull. 192 (1989)
CONTINUED
4
Cleveland
June 17,1997
Industrial Bank of
Japan, Ltd.,
Tokyo, Japan
Aubrey G. Lanston & Co.,
Inc.,
New York, NY, securities
activities (bX7); data
processing (bX14);
financial & investment
activities (b)(6); and
underwriting (bX8)
4
New York
May 12,1997
Intra Financial
Corporation,
Clyde, KS
Peoples Bancorp of
Belleville, Inc.,
Belleville, KS, and
Peoples Bank of Belleville,
Belleville, KS
3
Kansas City
June 20,1997
Jackson Boulevard
Fund, Ltd., Chicago, IL
Damen Financial
Corporation, Schaumburg,
IL, Damen National Bank,
Schaumburg, IL
CIBC
Chicago
August 1,1997
Jackson Boulevard
Fund, Ltd.; Jackson
Boulevard Equities, L.P.
& Paul J. Duggan, all of
Chicago, IL
Damen Financial
Corporation, Schaumburg,
IL & Damen National
Bank, Schaumburg, IL
CIBC
Chicago
September 3,1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotificant
Acquireeoractivity
Jacobsen, Sam J.,
Middleton, WI
First Business Bancshares,
Madison, WI & First
Business Bank, Madison,
WI
CIBC
Chicago
August 28,1997
Jasper Banking
Company Second
Amended and Restated
Employee Stock
Ownership Stock Bonus
Plan (ESOP), Jasper, GA
JBC Bancshares, Inc.,
Jasper, GA
CIBC
Atlanta
August 12,1997
Kazi, Zubair and Khatija,
Studio City, CA;
and Abdul-Rahman,
Yahia and Magda,
Pasadena, CA
Greater Pacific Bancshares,
Whittier, CA;
Bank of Whittier, N.A.,
Whittier, CA
CIBC
San Francisco
May 5, 1997
Kazi, Zubair and Khatija,
Studio City, CA;
and Yahia and Magda
Abdul-Rahman,
Pasadena, CA
Kentucky Home Bank,
Bardstown, KY
3
San Francisco
April 17,1997
Keene Bancorp
Employee Stock
Ownership Plan &
Trust, Keene, TX
Keene Bancorp, Inc.,
Keene, TX & First State
Bank, Keene, TX
3
Dallas
September 2,1997
KeyCorp(l), Cleveland,
OH
CONTINUED
Key Capital Markets, Inc.,
Cleveland, OH, in
underwriting & dealing in,
to a limited extent, all types
of debt & equity securities
(other than ownership
interests in open-end
investment companies) J.P.
Morgan & Co., Inc., et al,
CONTINUED
4
Cleveland
August 11, 1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotificant
Acquireeoractivity
KeyCorp(l), Cleveland,
OH
CONTINUED
Key Capital Markets, Inc.,
Cleveland, OH underwriting
& dealing in all types of
debt and equity securities
(other
than ownership interests in
open-end investment
companies) J.P. Moran &
Co., Inc., The Chase
Manhattan Corp.,
CONTINUED
4
Cleveland
August 1,1997
KeyCorp(2), Cleveland,
OH
CONTINUED
Bankers Trust New York
Corp., Citicorp and Security
Pacific Corp., 75 Fed. Res.
Bull. 192 (1989); providing
certain financial &
investment advisory
services, providing certain
agency transactional
services for customer
investments
CONTINUED
4
Cleveland
August 1,1997
KeyCorp(2), Cleveland,
OH
CONTINUED
75 Fed. Res. Bull. 192
(1989); financial &
investment advisory
activities (b)(6); agency
transactional services for
customer investments
(b)(7); and investment
transactions as principal
(b)(8)
4
Cleveland
August 11,1997
KeyCorp(3), Cleveland,
OH
& engaging in certain
investment transactions &
principal (b)(6), (7) & (8)
4
Cleveland
August 1, 1997
Keystone Financial,
Inc., Harrisburg, PA
MMC & P, Inc., Pittsburgh,
PA employee benfits
consulting services (b)(9)
4
Philadelphia
July 29, 1997
Lagomarsino, Richard
A, and Robert J.,
both of Ventura, CA, &
Wood, Catherine S.,
Carpinteria,
CA; acting in concert
Americorp, Ventura, CA,
and American Commercial
Bank, Ventura, CA
CIBC
San Francisco
August 6,1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotificant
Acquiree oractivity
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
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
Locke, E. David,
McFarland, WI
Northern Bancshares, Inc.,
McFarland, WI &
McFarland State Bank,
McFarland, WI
CIBC
Chicago
August 29,1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotiflcant ! Acquireeoractivity
Sectionoflaw ReserveBank
End ofcomment period
Mahaska Investment
Company, Oskaloosa, LA
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
Maypearl Bancshares,
Inc., Maypearl, TX, and
Maypearl Holdings,
Inc., Wilmington, DE
First State Bank, Maypearl,
TX
3
Dallas
August 7,1997
McConachie, Kirk F.,
and Patricia A.,
Andover, KS
Andover Financial
Corporation, Andover, KS
& TTie Andover State Bank,
Andover, KS
CIBC
Kansas City
August 22, 1997
McGlasson, Harold
Edwin, McGlasson,
Karen Jane Veilon,
and Voorhies & Labbe
Profit Sharing Plan, all
of Lafayette,
LA
Tri-Parish Bancshares, Ltd.,
Eunice, LA, and Tri-Parish
Bank, Eunice, LA
CIBC
Atlanta
August 1, 1997
MidCity Financial
Corporation, Chicago, IL
Abrams Centre Bancshares,
Inc., Dallas, TX, and
Abrams Centre National
Bank, Dallas, TX
3
Chicago
August 28, 1997
Middleburg Bancorp,
Inc., Middleburg, KY
Lincoln Federal Savings
Bank, Liberty, KY in the
operation of a federal
savings bank (bX4)
4
St. Louis
July 24, 1997
Midwest Community
Bancshares, Inc.,
Marion, IL
The Bank of Marion,
Marion, IL
3
St. Louis
September 2, 1997
Applicantornotificant
Acquireeoractivity
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
Murfreesboro Bancorp,
Inc., Murfreesboro, TN
Bank of Murfreesboro,
Murfreesboro, TN
3
Atlanta
July 18, 1997
National City
Bancshares, Inc.,
Evansville, IN
Bridgeport Bancorp, Inc.,
Bridgeport, IL, and First
National Bank of
Bridgeport, Bridgeport, IL
3
St. Louis
June 6,1997
NationsBank
Corporation(l),
Charlotte, NC
CONTINUED
Montgomery Securities,
Inc., & The Pyramid
Company,
San Francisco, CA
underwriting &
dealing in, to a limited
extent, all types of debt &
equity
securities other than
interests in open end
investment companies
CONTINUED
4
Richmond
August 6,1997
NationsBank
Corporation^),
Charlotte, NC
CONTINUED
(See J.P. Morgan & Co.,
Inc., The Chase Manhattan
Corp.,
Bankers Trust New York
Corp., Citicorp, & Security
Pacific
Corp., 75 Fed. Res. Bull.
192 (1989)); in
underwriting & dealing in
obligations of the United
States, general
CONTINUED
4
Richmond
August 6, 1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotificant
Acquireeoractivity
NationsBank
Corporation^),
Charlotte, NC
CONTINUED
of states and their political
subdivisions, and other
obligations that state
member banks of the
Federal Reserve System
may be authorized to
underwrite and deal in
under 12 U.S.C. 24 & 335
(b)(8); in acting as
investment or
CONTINUED
4
Richmond
August 6,1997
NationsBank
Corporation^),
Charlotte, NC
CONTINUED
financial advisor (b)(6); in
providing securities
brokerage
services (including
securities clearing &
securities execution
services on an exchange),
alone & in combination with
investment advisory
services, & incidental
activities
CONTINUED
4
Richmond
August 6,1997
NationsBank
Corporation^),
Charlotte, NC
CONTINUED
(including related securities
credit activities & custodial
services) (bX7); in buying
& selling in the secondary
market all types of
securities on the order of
customers as a riskless
principal to
CONTINUED
4
Richmond
August 6,1997
NationsBank
Corporation^),
Charlotte, NC
CONTINUED
the extent of engaging in a
transaction in which the
company, after receiving an
order to buy (or sell) a
security from a customer,
purchases (or sells) the
security for its own account
to offset a contemporaneous
sale to (or purchase
CONTINUED
4
Richmond
August 6, 1997
NationsBank
Corporation^),
Charlotte, NC
CONTINUED
from) the customer (b)(7);
in acting as agent for the
private placement of
securities (b)(7)
4
Richmond
August 6,1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotiflcant
Acquiree oractivity
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
Northside Banking
Corporation, Tampa, FL
Northside Bank of Tampa,
Tampa, FL
3
Atlanta
August 29,1997
Northwest Suburban
Bancorp., Inc. (in
formation),
Arlington Heights, IL
Mount Prospect
National Bank (in
organization), Mount
Prospect, IL
3
Chicago
July 28, 1997
Northwest Wisconsin
Bancorp, Inc., & its
wholly-owned
subsidiary, BCB
Bancorp, Inc., both of
Chippewa Falls, WI
CORRECTION
Heartland Data Center, Inc.,
Cameron, WI providing
data processing services to
local, non-affilite financial
institutions (b)(14)
4
Minneapolis
August 11,1997
Norwest Corporation,
Minneapolis, MN
First Valley Bank Group,
Los Fresons, TX & First
Valley Delaware Financial
Corporation, Dover,
Delaware, & First Valley
Bank, Harlingen, TX
3
Minneapolis
September 2,1997
Norwest Corporation,
Minneapolis, MN
Packers Management
Company, Omaha, NE, &
Packers Bank, Omaha, NE
3
Minneapolis
September 2,1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotiflcant
Acquiree oractivity
Norwest Corporation,
Minneapolis, MN
Int'l Bancorp, Golden
Valley, MN & Northern
Nafl 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
NSB Holding Corp.,
Staten Island, NY
Check Depot, Staten Island,
NY in check cashing, See
Midland Bank T l, PLC, 76
Fed. Res. Bull. 869 (1990)
4
New York
August 6,1997
O.A.K. Financial
Corporation, Byron
Center,
MI
Caledonia Financial
Corporation,
Caledonia, MI, & State
Bank of Caledonia,
Caledonia,
MI
3
Chicago
August 15,1997
Otto Bremer
Foundation, St. Paul,
MN
Bremer Financial
Corporation, St. Paul,
MN, The
Halo Bancorporation, Inc.,
Devils Lake, ND, & First
National Bank of Devils
Lake, Devils
Lake, ND
3
Minneapolis
August 15,1997
P.C.B. Bancorp, Inc.,
Largo, FL
Anchor Savings Bank,
F.S.B., St. Petersburg, FL
operating a savings
association (b)(4)
4
Atlanta
August 8,1997
Patel, Susma; Patel,
Suketu Madhusudan
(Suku); Patel, Parimal
Kantibhai (Perry);
Amin, Bharat Muljibhai,
London, England; and
King, Dennis John
Lloyd, Surrey, England;
collectively, as die Patel
Group
First Bankshares, Inc.,
Longwood, FL, and First
National Bank of Cenfral
Florida, Longwood, FL
CIBC
Atlanta
June 26, 1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotiflcant
Acquireeoractivity
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
Pathfinder Bancorp,
MHC, Oswego, NY
Pathfinder Bancorp,
Oswego, NY, and Stock
Holding Company,
Oswego, NY
and Oswego City Savings
Bank, Oswego,
NY
3
New York
August 7, 1997
PBT Bancshares, Inc.,
McPherson, KS
Yoder Bankshares, Inc.,
Yoder, KS, and Farmers
State Bank,
Yoder, KS
3
Kansas City
June 6,1997
People's Community
Capital Corporation,
Aiken,
SC
People's Community Bank
of South
Carolina, Aiken, SC
3
Richmond
August 14,1997
Peoples Bancorp, Inc.,
Marietta, OH
Gateway Bancorp, Inc.,
Catlettsburg, KY, and
Catlettsburg Federal
Savings Bank, Catlettsburg,
KY operating a savings
association (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 Community
Bancshares, Inc.,
Colquitt,
GA
Farmers Bank of Malone,
Malone, FL
3
Atlanta
July 14, 1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotificant
Acquireeoractivity
Peoples Community
Bancshares, Inc.,
Colquitt,
GA
Farmers Bank of Malone,
Malone, FL
3
Atlanta
August 11, 1997
Peoples Financial Corp.,
Inc., Ford City, PA
Elderton State Bank,
Elderton, PA
3
Cleveland
August 25, 1997
Peoples-Marion
Bancorp, Inc.,
Marion, KY
The Peoples Bank,
Marion, KY
3
St. Louis
June 12,1997
PHS Bancorp, M.H.C.,
Beaver Falls, PA
Peoples Home Savings
Bank,
Beaver Falls, PA
3
Cleveland
May 1,1997
Pioneer Bancshares,
Inc., Chattanooga, TN
Pioneer Bank, F.S.B.,
Chattanooga, TN operating
a savings
association (b)(4)
4
Atlanta
July 25,1997
Plainview Holding
Company,
Pilger, NE
American National
Creighton Co.,
Creighton, NE, and
American National Bank of
Creighton,
Creighton, NE
3
Kansas City
June 23, 1997
Planters & Merchants
Bancshares, Inc.,
Heame,
TX, & Planters &
Merchants Bancshares
of Delaware, Inc.,
Wilmington, DE
Homestead Bank, S.S.B.,
College Station, TX
3
Dallas
August 14, 1997
Premier Financial
Bancorp, Inc.,
Georgetown,
KY
The Sabina Bank, Sabina,
OH
3
Cleveland
August 21, 1997
Prillaman, Bob Maurice
& Lillias B., Marietta,
GA
Independent Bancshares,
Inc., Powder Springs, GA
CIBC
Atlanta
August 29,1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotificant
Acquireeoractivity
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
Augusts, 1997
Progressive Bancorp,
Inc., Pekin, IL
Pekin Savings Bank, S.B.,
Pekin, IL
3
Chicago
August 15,1997
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
Remington, Thomas J.,
and S. June, both of
Lincoln,
NE, and Remingrton,
Ada E., McCook,
Nebraska
Clatonia Bancshares, Inc.,
Clatonia, NE, and
Farmers Bank of Clatonia,
Clatonia, NE
CIBC
Kansas City
July 18,1997
Republic Bancshares,
Inc.,
St. Petersburg, FL
F.F.O. Financial Group,
Inc.,
St. Cloud, FL, and First
Federal Savings and Loan
Association of Ocelola
County, Kissimmee, FL,
operating a savings
association (b)(4)(ii)
4
Atlanta
May 23,1997
Reynolds, Marshall T.,
Huntington, WV
St. Mary Holding
Corporation, and Saint
Mary Bank & Trust
Company, Franklin,
Louisiana
CIBC
Atlanta
August 15, 1997
Rockdale National
Bankshares, Conyers,
GA
CORRECTION
Rockdale National Bank,
Conyers, GA
3
Atlanta
August 22, 1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotiflcant
Acquireeoractivity
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
Royal Bank of Canada,
Montreal, Canada and
Stitching
Prioriteir ABN AMRO
Holding; Stichting
Administratiekantoor
ABN AMRO Holding;
ABN AMRO Holding,
N.V.; ABN AMRO
Bank, N.V.,
Amsterdam, The
Netherlands; and ABN
AMRO North America,
Inc., Chicago, IL
Integrion Financial
Network, LLC, Altanta,
GA, & acquire certain
assets & liabilites of VISA
Interactive, Inc., in data
processing & data
transmission services (bX14)
4
New York
August 11, 1997
Santa Barbara Bancorp,
Santa Barbara, CA
Citizens State
Bank of Santa Paula, Santa
Paula, CA
3
San Francisco
July 25, 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; Fanners
State Bank, Sabetha, KS;
Peoples Bancorp of
Belleville, Inc., and Peoples
Bank of
Belleville, Belleville, KS
3
Kansas City
June 20,1997
Security State,
Corporation,
Centralia, WA
Security State Bank,
Centralia, WA
3
San Francisco
June 9,1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotificant
Acquireeoractivity
Sephar, David L.,
Kansas City, KS
First Community
Bancshares, Inc., Kansas
City,
KS, and First Community
Bank,
Kansas City, KS
cm c
Kansas City
July 25,1997
Southwestern
Bancshares, Inc.,
Oklahoma City,
OK
Southwestern Bank & Trust
Company, Oklahoma City,
OK
3
Kansas City
August 11, 1997
Spanjer, Leland, Cozad,
NE, in his capacity as
Personal Representative
of the Estate of Clifford
G. Young
C.S.B. Co., Cozad, NE,
Cozad State Bank & Trust
Company, Cozad, NE, and
First National Bank of
Chadron, Chadron, NE
CIBC
Kansas City
August 11, 1997
Spehar, David L. &
Nancy A., Kansas City,
KS
First Community
Bancshares, Inc., Kansas
City, KS, and First
Community Bank, Kansas
City, KS
CIBC
Kansas City
August 5, 1997
St. Yves, Robert W.,
Prineville, OR
Prineville Bancorporation,
Prineville, OR and
Community First Bank,
Prineville OR (formerly the
Prineville Bank)
CIBC
San Francisco
August 5, 1997
Sterling Bancshares,
Inc., Houston, TX
First Houston Bancshares,
Houston, TX, and Houston
National Bank, Houston, TX
3
Dallas
July 21, 1997
Stockmens Financial
Corporation, Rushville,
NE
BankWest
(a de novo bank), Castle
Rock, CO
3
Kansas City
July 25, 1997
Suez Lyonnaise des
Euax, Paris, France;
Societe Generale de
Belgique, Brussels,
Belguim; and Generale
de Banque, Brussels,
Belguim
Harbor Capital
Management, Inc., Boston,
MA investment advisory
activities (b)(6); investment
transactions as principal
(b)(8); & serve as general
partner of & provide
management & private
placement services to
unregistered investment
funds
4
New York
August 21,1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotificant
Acquiree oractivity
The Bank of Mulberry
Employee Stock
Ownership
Trust,
Mulberry, AR
ACME Holding
Company, Inc.,
Mulberry, AR, and
The Bank of Mulberry,
Mulberry, AR
3
St. Louis
June 23, 1997
The Chase Manhattan
Corporation & Chase
Holdings Delaware,
Inc., New York, NY
CORRECTION
Chase Manhattan Bank &
Trust Company, National
Association, Los Angeles,
CA
3
New York
August 18, 1997
The Chase Manhattan
Corporation and Chase
Holding
Delaware Inc., New
York, NY
Chase Trust Company,
National Association, Los
Angeles, CA
3
New York
August 18, 1997
The Commercial
Bancorp, Inc., Ormond
Beach,
FL
Commercial Bank of
Volusia
County, Ormond Beach, FL
3
Atlanta
August 15,1997
TNB Bancorporation,
Inc., Brenham, TX, and
TNB
Bancorporation of
Delaware, Inc.,
Wilmington, DE
Texas National Bank,
Brenham, TX
3
Dallas
July 29,1997
Triangle Bancorp, Inc.,
Raleigh, NC
Bank of Mecklenburg,
Charlotte, NC
3
Richmond
August 1, 1997
Union Planters
Corporation(l),
Memphis, TN
CONTINUED
Magna Bancorp, Inc.,
Hattiesburg, MS, &
Magnolia Federal Bank for
Savings, Hattiesburg, MS
indirectly
acquiring a federal savings
bank (b)(4); & Magna
Mortgage Co., Hattiesburg,
MS originating & servicing
mortgage loans (b)(1)
CONTINUED
4
St. Louis
August 15,1997
Union Planters
Corporation^),
Memphis, TN
CONTINUED
& in providing real estate
appraisal & inspection
services (b)(2)
4
St. Louis
August 15, 1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotificant
Acquiree oractivity
United Bankshares, Inc.,
Charleston, WV
First Patriot Bankshares
Corporation,
Reston, VA, and
Patriot National Bank,
Reston, VA
3
Richmond
June 16,1997
United Community
Banks Inc., Blairsville,
GA
First Clayton Bancshares,
Inc., Clayton, GA, and
First Clayton Bank and
Trust Company,
Clayton, GA
3
Atlanta
August 8,1997
Valcourt, Jeffery T.,
Arlington, VA
United Financial Banking
Companies, Inc.,
Vienna, VA, and
The Business Bank,
Vienna, VA
CIBC
Atlanta
June 5,1997
Valley National
Corporation, Lanett, AL
Valley National Bank of
Lannett, Lanett, AL
3
Atlanta
September 5,1997
Wachovia Corporation,
Winston-Salem, NC
Jefferson National Bank,
Charlottesville, VA and
Jefferson National Bank,
Charlottesville, VA
3
Richmond
August 18,1997
West U. Limited,
Bradley F. Bracewell,
Jr., General
Partner, Houston, TX
First University
Corporation, Houston, TX,
and West University Bank,
N.A.,
Houston, TX
CIBC
Dallas
August 8, 1997
Western Bank,
Albuquerque, New
Mexico ESOP & Trust,
Albuquerque, NM
Western Bancshares of
Albuquerque, Inc.,
Albuquerque, NM, and
Western Bank,
Albuquerque, NM
3
Kansas City
August 21, 1997
Woodruff, Thomas M.,
Humble, TX
Grimes County Capital
Corporation, Iola, TX &
Community State Bank,
Houston, TX
CIBC
Dallas
August 26, 1997
Young, David E.,
Chattanooga, TN
East Ridge
Bancshares, Inc., East
Ridge, TN, and Bank of
East Ridge, East Ridge, TN
CIBC
Atlanta
July 22, 1997
Sectionoflaw ReserveBank
End ofcomment period
Applicantornotificant
Acquireeoractivity
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
Sectionoflaw ReserveBank
CIBC
Kansas City
End ofcomment period
August 5, 1997
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, XX 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 of Governors of the Federal Reserve System
Freedom of Information Office (TEL: 202-452-3684; FAX: 202-872-7562, and 202-872-7565)
@FedFRASER