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RESCAPCMliBHARY

ANNOUNCEMENT

H.2, 1994, No. 53
Actions of the Board, its Staff, and
1.14 ?1 ? 21 Pll*?}? Federal Reserve Banks;
jct Lj l Applications and Reports Received
ft
^ ^During th e jfeek Ending December 31, 1994
c 0i» \cIa »d
;
* ^

BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM
A C T IO N S

TAKEN BY THE BOARD OF GOVERNORS

ENFORCEMENT

Citizens Bancshares, Inc., Walnut, Illinois, and
Citizens First State Bank of Walnut -- written
agreements dated September 28, 1994, with the
Federal Reserve Bank of Chicago.
Announced, December 29, 1994.
Hanmi Bank, Los Angeles, California -- written
agreement dated December 9, 1994, with the Federal
Reserve Bank of San Francisco.
Announced, December 29, 1994.
San Francisco Company, San Francisco, California -written agreement dated December 16, 1994, with the
Federal Reserve Bank of San Francisco.
Announced, December 28, 1994.
Toyo Trust & Banking Co., Ltd., Tokyo, Japan -combined order to cease and desist and of removal
and prohibition against James A. MacCallum, a
former vice president and institution-affiliated
party of the New York branch of Toyo Trust and an
officer and institution-affiliated party of the
Canadian Imperial Bank of Commerce, New York, New
York and the New York agency of the Canadian
Imperial Bank of Commerce, Toronto, Canada.
Authorized, December 29, 1994.

A C T IO N S
UNDER

TAKEN BY THE S T A F F AND THE FEDERAL R ESE R V E

BANKS

DELEGATED A UTH O RITY

ABBREVIATIONS:
BS&R - Banking Supervision and Regulation; C&CA - Consumer and
Community Affairs; FOMC - Federal Open Market Committee; FRBO - Federal Reserve
Bank Operations; IF - International Finance; OSDM - Office of Staff Director
for Management




H.2
DECEMBER 27, 1994 TO DECEMBER 30, 1994
PAGE 2
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
BANK BRANCHES. DOMESTIC
Atlanta

Barnett Bank of Volusia County, Deland, Florida -- to
establish a branch at the southeast corner of Palm
Coast Parkway and Belle Terre Parkway, Palm Coast,
Florida.
Approved, December 29, 1994.

Richmond

Marathon Bank, Stephens City, Virginia -- to
establish a branch at 1041 Berryville Avenue,
W inche ster, V irg in ia.
Approved, December 27, 1994.

Philadelphia

Meridian Bank, Reading, Pennsylvania - - t o establish
a branch inside the Wal-Mart Supercenter, Airport
Road at Laurel Mall, Haselton, Pennsylvania.
Approved, December 27, 1994.

Richmond

Rockingham Heritage Bank, Harrisonburg, Virginia -to establish a branch at 2020 South Main Street.
Approved, December 29, 1994.

BANK HOLDING COMPANIES




Chicago

American National Corporation, Chicago, Illinois -to engage in lending activities through ANB
Mezzanine Corp.
Approved, December 30, 1994.

Atlanta

Broadstreet, Inc., Atlanta, Georgia -- relief from
commitment in connection with distribution of money
to shareholders from AmTrade International Bank of
Georgia.
Granted, December 28, 1994.

Atlanta

Community Bancshares of Mississippi, Inc., Forest,
Mississippi -- to acquire M & M Bancorp, Inc.,
Laurel, Mississippi, and Merchants and
Manufacturers Bank, Ellisville, Mississippi.
Approved, December 29, 1994.

Atlanta

Farmers & Merchants Bank Employee Stock Ownership
Plan, Forest, Mississippi -- relief from
commitment.
Granted, December 29, 1994.

H.2
DECEMBER 27, 199<l
PAGE 3

TO

DECEMBER 30, 1994

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

BANK H O LDING C O M PA N IES




Minneapolis

First Southeastern BancGroup, Inc., Harmony,
Minnesota - - t o acquire Granger State Bank,
Granger, Minnesota.
Approved, December 29, 1994.

Richmond

First United Bancorporation, Anderson, South Carolina
- - t o acquire assets of Cagle Finance Company,
Inc., Hartsville, South Carolina.
Approved, December 30, 1994.

Chicago

Huxley Bancorp, Huxley, Iowa - - t o engage in lending
activities.
Approved, December 30, 1994.

S t . Louis

LCS Bancorp, Inc., Litchfield, Illinois -- to acquire
Litchfield Community Savings, S.B.
Approved, December 27, 1994.

Chicago

Marshall & Ilsley Corporation, Milwaukee, Wisconsin - to acquire assets of Software Alliance
Corporation, Berkeley, California.
Approved, December 29, 1994.

Dallas

Menard Bancshares, Inc., Menard, Texas - - t o acquire
Menard National Bank.
Approved, December 30, 1994.

Minneapolis

Norwest Corporation, Minneapolis, Minnesota - - t o
acquire Parker Bankshares Inc., Parker, Colorado,
and First National Bank of Parker.
Approved, December 28, 1994.

Chicago

Old Kent Financial Corporation, Grand Rapids,
Michigan -- to acquire First National Bank Corp.,
Mount Clemens, Michigan, and First National Bank in
Macomb County.
Approved, December 29, 1994.

Richmond

Premier Bankshares Corporation, Bluefield, Virginia - to engage in trust services through Premier Trust
Company.
Approved, December 29, 1994.

H .2

DECEMBER 27, 1994 TO DECEMBER 30, 1994
PAGE 4
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK HOLDING COMPANIES
Atlanta

Summerville / Trion Bancshares, Inc., Trion,
Georgia -- to acquire Adairsville Bancshares, Inc,
Adairsville, Georgia, and Bank of Adairsville.
Approved, December 28, 1994.

BANK MERGERS
Secretary

SouthTrust Bank of West Florida, St. Petersburg,
Florida -- to merge with Plant State Bank, Plant
City, Florida, and to establish branches.
Approved, December 28, 1994.

CHANGE IN BANK CONTROL
Chicago

WFC, Inc., Waukon, Iowa -- change in bank control.
Permitted, December 27, 1994.

COMPETITIVE FACTORS REPORTS




San Francisco

Bank of America National Trust 8 Savings Association
San Francisco, California, proposed purchase of
certain assets and assumption of certain
liabilities of Bank of America Illinois, Chicago,
Illinois -- report on competitive factors.
Submitted, December 28, 1994.

Boston

Bank of Western Massachusetts, Springfield,
Massachusetts, proposed merger with Chittenden
Acquisition Bank, Springfield, Massachusetts -report on competitive factors.
Submitted, December 28, 1994.

Dallas

First Bank of Texas, Tomball, Texas, proposed merger
with the Cleveland, Texas, branch at 1408 East
Houston, Cleveland, Texas, of Comerica Bank-Texas,
Dallas, Texas -- report on competitive factors.
Submitted, December 27, 1994.

Richmond

First Union National Bank of Virginia, Roanoke,
Virginia, proposed merger with Ameribanc Savings
Bank, F.S.B., Annandale, Virginia -- report on
competitive factors.
Submitted, December 28, 1994.

H.2
DECEMBER 27, 1994
PAGE S

TO

DECEMBER 30, 1994

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

C O M P E T IT IV E




FAC TO R S R EPO R TS

St. Louis

Jefferson Savings Bancorp, Inc., Ballwin, Missouri,
proposed acquisition of First Federal Savings Bank
of Longview, Longview, Texas, and Shelby-Panola
Savings Association, Carthage, Texas -- report on
competitive factors.
Submitted, December 28, 1994.

St. Louis

Jones Financial Companies, A Limited Partnership,
Maryland Heights, Missouri, proposed merger with
Boone National Savings and Loan Association, F.A.,
Columbia, Missouri -- report on competitive
factors.
Submitted, December 27, 1994.

Philadelphia

Schuylkill Haven Trust Company, Schuylkill,
Pennsylvania, proposed merger with The Miners
National Bank, Pottsville, Pennsylvania -- report
on competitive factors.
Submitted, December 29, 1994.

Dallas

State Bank of La Vernia, La Vernia, Texas, proposed
merger with First National Bank of South Texas, San
Antonio, Texas -- report on competitive factors.
Submitted, December 30, 1994.

St. Louis

Trans Financial Bank, N.A., Bowling Green, Kentucky,
proposed purchase of assets and assumption of
liabilities of the Bowling Green and Scottsville,
Kentucky, branch of Fifth Third Bank of Kentucky,
Inc., Louisville, Kentucky -- report on competitive
factors.
Submitted, December 27, 1994.

St. Louis

Trans Financial Bank of Tennessee, F.S.B., Tullahoma,
Tennessee, proposed merger with Trans Financial
Bank, Federal Savings Bank, Russellville,
Kentucky -- report on competitive factors.
Submitted, December 28, 1994.

H.
2
DECEMBER 27, 1994 TO DECEMBER 30, 1994
PAGE 6
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS
St. Louis

Valley Bank, Cleveland, Mississippi, proposed
purchase of assets and assumption of liabilities of
the Tutwiler, Mississippi, branch of United
Southern Bank, Clarksdale, Mississippi -- report on
competitive factors.
Submitted, December 27, 1994.

EXTENSIONS OF TIME




Atlanta

AmSouth Bancorporation, Birmingham, Alabama -extension to April 3, 1995, to establish an interim
thrift subsidiary to acquire Community Federal
Savings Bank, Fort Oglethorpe, Georgia, and by
AmSouth Bancorporation and Am South Bank of
Georgia, Summerville, Georgia, to acquire certain
assets and assume certain liabilities of Community
Federal Savings Bank.
Granted, December 28, 1994.

Atlanta

Citizens Gwinett Bankshares, Inc., Duluth, Georgia -extension to April 5, 1995, to acquire Citizens
Bank of Gwinnett.
Granted, December 29, 1994.

Kansas City

CMB SOLO, Colorado Springs, Colorado -- extension to
March 8, 1995, to acquire Shawnee Mountain Bank.
Granted, December 30, 1994.

Atlanta

First Southern Bank, Boca Raton, Florida -- extension
to January 3, 1996, to establish a branch at 21301
Powerline Road.
Granted, December 29, 1994.

San Francisco

Foothill Independent Bancorp, Glendora, California -extension to divest certain property.
Granted, December 30, 1994.

San Francisco

Hanil Bank, Ltd., Seoul, Korea -- extension to divest
certain property.
Granted, December 30, 1994.

H.2
DECEMBER 27, 1994 TO DECEMBER 30, 1994
PAGE 7
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

EXTENSIONS OF TIME
Chicago

Horizon Bancorp Employee Stock Ownership Plan,
Michigan City, Indiana, and Horizon Bancorp -extension to April 3, 1995, to engage de novo in
acting as insurance agent or broker through Horizon
Insurance Group, Inc.
Granted, December 29, 1994.

Minneapolis

Norwest Corporation, Minneapolis, Minnesota -extension to April 1, 1995, to acquire the mortgage
servicing and origination business of American
National Bank of Silver City, Silver City, New
Mexico.
Granted, December 28, 1994.

San Francisco

U.S. Bancorp, Portland, Oregon -- extension to divest
certain property.
Granted, December 28, 1994.

INTERNATIONAL OPERATIONS
Richmond

NationsBank of North Carolina, N.A., Charlotte, North
Carolina -- to establish a branch in Taipei,
Republic of China.
Approved, December 30, 1994.

RESERVE BANK OPERATIONS




Director, FRBO

Federal Reserve Bank of Atlanta - - t o purchase
reader / sorters for check processing operations.
Approved, December 27, 1994.

ADDITIONS AND CORRECTIONS

H.
2
DECEMBER 27, 1994
PAGE 8

TO

DECEMBER 30, 1994

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANK HOLDING COMPANIES
Bank Brussels Lambert, Brussels, Belgium -- request
for temporary exemption for certain foreign and
U.S. activities of Group Brussels Lambert after GBL
acquires shares of Bank Brussels Lambert.
Approved, December 12, 1994.
FORMS
Annual Report of Foreign Banking Organizations
(FR Y-7) and the Foreign Banking Organization
Confidential Report of Operations (FR 2068) -extension with revision; and Structure Report of
U.S. Banking and Nonbanking Activities (FR Y-7A), a
new report.
Proposed, December 16, 1994.
Notification Required Pursuant to Section 221.23(h)
of Regulation K on Acquisitions Made by Foreign
Banking Organizations (FR 4002) -- to eliminate.
Proposed, December 16, 1994.
Survey of Consumer Finances (FR 3059) -- new survey.
Proposed, December 16, 1994.

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




H.2
DECEMBER 27, 1994 TO DECEMBER 30, 1994
PAGE 9

ADDITIONS AND CORRECTIONS

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

BANK HOLDING COMPANIES
San Francisco

Amerika Samoa Bank, Pago Pago, American Samoa -- to
reorganize into a bank holding company.
Returned, December 21, 1994.

BANKS. STATE MEMBER
Richmond

Page Valley Bank, Luray, Virginia -- payment of a
dividend.
Approved, December 21, 1994.

COMPETITIVE FACTORS REPORTS




San Francisco

First Pacific National Bank, Escondido, California,
proposed merger with Overland Bank, Temecula,
California -- report on competitive factors.
Submitted, December 19, 1994.

FEDERAL RESERVE BANK OF BOSTON A P P L IC A T IO N S
SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY
Application

Comment Period Ending Date

NONE
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
Application

Comment Period Ending Date

Bank of Boston Corporation
and BancBoston Holdings, both
of Boston, Massachusetts 3(a)(3) application to acquire
100% of the voting shares of
Bank of Boston, National
Association, South Portland,
Maine*

Newspaper

Not Yet Established

Federal Register

01-05-95

Bank of Ireland, Dublin,
Newspaper
Not Yet Established
Ireland, Bank of Ireland First
Holdings, Inc. and First NH
Federal Register
01-18-95
Bank, both of Manchester, New
Hampshire - 3 (a)(1)/3(a)(3)/4(c)(8)
application to acquire Great
Bay Bankshares, Inc., Southeast
Bank for Savings and Constitution
Trust Company, all of Dover, New
Hampshire*
SECTION III - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY

Application

Comment Period Ending Date
NONE
SECTION IV - APPLICATIONS NOT SUBJECT TO
FEDERAL REGISTER OR NEWSPAPER NOTICE

Application




NONE

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Institution

Examination Date

Rating*

NONE
*Subject to CRA.
**Rating Definitions:
"O" - Outstanding; "S" - Satisfactory;
- Needs to Improve; "SN" - Substantial Noncompliance.




"N

Federal Reserve Bank of New York
Comment Period
Ending Date
SECTION I
Applications Subject to Newspaper
___________ Notice Only___________
Manufacturers and Traders Trust Company, Buffalo, New York,
to open branch offices in the following Rochester area Tops
Markets, Inc. locations: 3507 Mount Read Boulevard, Town of
Greece, Monroe County, New York, 14616; 3740 Ridge Road, Town
of Greece, Monroe County, New York, 14625; 2345 Buffalo Road,
Town of Gates, Monroe County, New York, 14624; 1100 Jefferson
Road, Town of Henrietta, Monroe County, New York, 14623; 1900
Clinton Avenue, Town of Brighton, Monroe County, New York,
14618; 734 South Panorama Trail, Town of Penfield, Monroe
County, New York, 14625; and 1854 Empire Boulevard, Town of
Webster, Monroe County, New York, 14580. 1/

SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
None.
SECTION III
Nonbanking Applications
(subject to Federal Register Notice Only)
None.
SECTION IV
Applications Not Involving
______ Public Comment______
None.

1/ Subject to provisions of Community Reinvestment Act.




1/23/95

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 an
capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record
of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate- income neighbor­
hoods, in a manner consistent with its resources and capabilities.
Week Ending December 31. 1994
NAME OF BANK

4/

EXAMINATION DATE

Bankers Trust Company
280 Park Avenue
New York, NY 10017
1/
2/
3/

RATING
Outstanding

July 25, 1994

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




FEDERAL RESERVE BAKE OF PHILADELPHIA

Section I ■ APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
Farmers Trust Bank, Lebanon, Pennsylvania requests approval to purchase the assets and
assume the liabilities of the Schaefferstown branch office of Meridian Bank, Reading,
Pennsylvania, pursuant to Section 18(c) of the Federal Deposit Insurance Act.
The
branch is located at Route 501, Schaefferstown, Pennsylvania.
Newspaper comment period expires:

1/20/95

Berks County Bank. Reading, PA, requests permission to establish a branch office to be
located at 2 Woodland Road, Wyomissing, Berks County, PA, pursuant to Section 9 of the
Federal Reserve Act. Expedited procedures.
Newspaper comment period expires:

1/21/95

SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE
United Valiev Bancorp. Inc. Philadelphia, PA to form a Bank Holding Company by
acquiring 100% of the voting shares of United Valley Bank, Philadelphia, PA. United
Valley Bank will merge with United Valley Bank Interim Bank in order to effect the
formation •
Newspaper comment period expires:
Federal register comment period expires:

1/30/95
N/A

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

1/ Subject to provisions of Community Reinvestment Act.
* N/A - not yet available.




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 December 30, 1994.
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 mode rate-income neighborhoods, in a manner consistent
with its resources and capabilities•
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and
capabilities•
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record of ascertaining
and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of ascertaining
and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.
Bank/Location

Examination Date

CRA Rating

None

None

None




F e d e r a l R e se r v e B a n k
of C l e v e l a n d
P. O. BOX 6387
CLEVELAND, OHIO 44101-1387

APPLICATIONS BULLETIN
(For the week ending December 3 1 ,1994)SECTION I - APPLICATIONS
SUBJECT TO NEWSPAPER NOTICE ONLY

Received prior notice from Premier Bank & Trust, Elyria,
Ohio, on December 2, 1994, of its intent to establish branch
facilities at 38475 Chestnut Ridge Road, Elyria, Ohio, and
15181 State Route 58, Oberlin, Ohio.
Received application from Integra Bank/Pittsburgh,
Pittsburgh, Pennsylvania, on December 27, 1994,
of its intent to merge with Integra Bank/North,
Titusville, Pennsylvania, and Integra Bank/South,
Uniontown, Pennsylvania, pursuant to Section 18(c)
of the Federal Deposit Insurance Act, and thereby establish
branch offices pursuant to Section 9 of the Federal Reserve Act.

* Not Yet Known #

* January 22, 1995

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

NONE

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY

NONE

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

NONE

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



AVAILABILITY OF CRA PUBLIC EVALUATIONS
(December 23, 1994)

The following state member banks have been examined by the Federal Reserve Bank of
Cleveland for compliance with The Community Reinvestment Act. A public evaluation document
became available from the bank(s) listed below during the week ended December 23,1994. If you
are interested in obtaining a copy of an evaluation document, please contact the bank(s) directly.
There are four descriptive ratings for CRA:
OUTSTANDING: a bank in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated community, including lowand moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
SATISFACTORY: a bank 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: a bank in this group needs to improve its overall record of
ascertaining and helping to meet the credit needs of its entire delineated community, including lowand moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
SUBSTANTIAL NON COMPLIANCE: a bank in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

The Castalia Banking Company
208 South Washington Street
Castalia, Ohio 44824
(419) 684-5333
Rating: Outstanding
Exam Date: October 3, 1994




Federal Reserve Bank of Richmond

Section I - Applications Subject to Newspaper
Notice Only
Application

Comment Period Ending Date

Centura Bank, Rocky Mount, North Carolina,
to purchase certain assets and assume the
deposit liabilities of the Fayetteville,
North Carolina, branch of Progressive Savings
& Loan, Ltd., Lumberton, North Carolina.*

1-24-95

Pace American Bank, Lawrenceville, Virginia,
to acquire nine branch offices of NationsBank
of Virginia, N.A., Richmond, Virginia, located
in Alberta, Bedford, Big Island, Brodnax, Chase
City, Chatham, Crewe, Drakes Branch, and
Victoria, Virginia.*

1-18-94

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

Comment Period Ending Date

None.

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

None.

Section IV - Application Not Subject to
Federal Register Notice or Newspaper Notice

None.

*Application is subject to CRA requirements.



Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations
Week ending December 30, 1994

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 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 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.

Examination
Date

Northern Neck State Bank
2 East Richmond Road
Warsaw, Virginia 22572




Rating

10-11-94

Satisfactory

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending December 30.1994

Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Guaranty Bank & Trust Company
01 -08-95 *
Venice, Florida
To establish a branch located at Jacaranda Boulevard and Indian Hills Avenue, Venice, Florida, to
be known as the Jacaranda Branch.
Trust Company Bank
12-27-94*
Atlanta, Georgia
To establish a branch located at 5450 Peachtree Parkway, Norcross, Georgia.
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice

Application

Comment Period Ending Date

Persons Banking Company, Inc.
01 -30-95*
Lithonia, Georgia
Federal Register
To acquire Spivey Bank Shares, Inc., Swainsboro, Georgia, and thereby indirectly acquire its
subsidiary, Spivey State Bank, Swainsboro, Georgia, pursuant to Section 3(a)(3) of the Bank Holding
Company Act.
SunTrust Banks, Inc.
Not yet available*
Atlanta, Georgia
To acquire Peoples State Bank, New Port Richey, Florida, pursuant to Section 3(a)(3) of the Bank
Holding Company Act.
Synovus Financial Corp.
Not yet available*
Columbus, Georgia
Along with TB&C Bancshares, Inc., Columbus, Georgia, to merge with Citizens & Merchants
Corporation, Douglasville, Georgia, and thereby directly acquire Citizens & Merchants State Bank,
Douglasville, Georgia, pursuant to Section 3(a)(5) of the Bank Holding Company Act.

*Subject to provisions of the Community Reinvestment Act.



Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending December 30. 1994
Section 3 - Applications Subject to Federal Register Only

Application

Comment Period Ending Date

City National Bancshares, Inc.
01-17-95
Miami, FL
To acquire 20.6 percent of the outstanding shares of Tumberry Savings & Loan Association,
North Miami Beach, Florida, pursuant to Section 4(c)(8) of the Bank Holding Company Act.
Port St. Lucie National Bank Holding Corp.
01-18-95
Port St. Lucie, Florida
To engage de novo in making, acquiring, and servicing mortgages through its subsidiary, Spirit
Mortgage Company, Port St. Lucie, Florida, pursuant to Section 4(c)(8) of the Bank Holding
Company Act and Section 225.25(b)(l)(iii) of Regulation Y.

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice

Application
Barnett Banks, Inc.
Jacksonville, Florida
Commitment waiver request.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending December 30. 1994

Section 10 - Availability of CRA Public Evaluations

The CRA public evaluations of the insured depository institutions listed below became available
during this week. Information about an institution's CRA evaluation may be obtained directly from
the institution. In connection with the assessment of an institution's CRA performance, a rating is
assigned from the following groups:
Outstanding record of meeting community credit needs: An institution has an outstanding record

of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs: An institution has a satisfactory record
of ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs: An institution needs to improve

its overall record of ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
An institution has a
substantially deficient record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.
Substantial noncomnliance in meeting community credit needs:

Examination
Bank
None.




Rating

Date

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

Comment Period
Ending Date

lyse

Application

Merger/Branch

Citizens Commercial & Savings Bank
N - 12-09-94
Flint, Michigan
Bank One, Fenton, N.A.
Fenton, Michigan
Bank One, Ypsilanti, N.A.
Ypsilanti, Michigan
Bank One, East Lansing
East Lansing, Michigan
Bank O n e , Sturgis
Sturgis, Michigan and to establish 20 branches

Branch

Comerica Bank-Illinois
Franklin Park, Illinois
Northeast Corner of the Intersection of
Willow Road & Pfingsten Road
Glenview, Illinois

N - 1-14-95

EFT

The Northern Trust Company
Chicago, Illinois
Northwestern University
619 Clark Street
Evanston, Illinois

N

EFT

Rushville State Bank
Rushville, Illinois
551 W. Clinton Street
Rushville, Illinois

Branch

Lake Forest Bank & Trust Company
Lake Forest, Illinois
810 A South Waukegan Road
Lake Forest, Illinois

Branch

Comerica Bank
Detroit, Michigan
1625 Leonard, NE
Grand Rapids, Michigan
23191 Marter Road
St. Clair Shores, Michigan
25780 Middlebelt
Farmington Hills, Michigan
3518 Plainfield, NE
Grand Rapids, Michigan
47060 Pontiac Trail
Walled Lake, Michigan
5270 Eastern Avenue, SE
Grand Rapids, Michigan




- 1-12-95

N - 1-21-95

N - 1-23-95

N - **

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

Comment Period
Ending Date

Type

Application

Reg K

Northern Trust Company (The)
Chicago, Illinois
Northern Global Financial Services
Limited, Hongkong - to expand the
securities lending activities in
Hongkong and other Asia Pacific regions

N - **

Membership

Foxdale Bank
South Elgin, Illinois
to become a member of the Federal Reserve
System

N - 1-12-95




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

Comment Period
Ending Date

Tyg£

Application

CoC-HC

Mid-America National Bancorp, Inc.
Chicago, Illinois
Harold P. O'Connell, Jr.

Y-2

Greatbanc, Inc.
FR - 10-28-94
Aurora, Illinois
N - 12-25-94
Greatbank
Algonquin, Illinois--to reactivate a charter*

Y-2

Waupaca Bancorporation, Inc.
Waupaca, Wisconsin
NBC Bancshares, Inc.
Pampa, Texas
National Bank of Commerce
Pampa, Texas*

FR - 12-23-94
N - 12-17-94

Y-2

Citizens Banking Corporation
Flint, Michigan
Bank One, Fenton, N.A.
Fenton, Michigan
Bank One, Ypsilanti, N.A.
Ypsilanti, Michigan
Bank One, East Lansing
East Lansing, Michigan
Bank One, Sturgis
Sturgis, Michigan*

FR - 12-5-94
N - 12-09-94

Y-l

Community Bancorp, Inc.
Norwalk, Wisconsin
Community State Bank
Norwalk, Wisconsin*

FR - 12-05-94
NP - 12-26-94

Y-2

FBOP Corporation
Oak Park, Illinois
North Houston Bank
Houston, Texas*

FR - 1-9-95
NP - 12-28-94

Y-2

Old Kent Financial Corporation
Grand Rapids, Michigan
First National Bank Corp.
Mount Clemens, Michigan
First National Bank in Macomb County
Mount Clemens, Michigan*

FR - 12-08-94
NP - 12-26-94

Y-l

Foxdale Bancorp, Inc.
South Elgin, Illinois
Foxdale Bank
South Elgin, Illinois

FR - 10-31-94
NP - 1-12-95




FR - 10-31-94
N - 12-23-94

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

Type.

Application

Y-2

Longview Capital Corporation
Newman, Illinois
First Prairie Bankshares, Inc.
Georgetown, Illinois
First National Bank of Georgetown
Georgetown, Illinois*

FR - 12-29-94
NP - 12-19-94

Y-l

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

FR - 12-15-94
NP - 12-30-94

Y-l

Philipps Investment Limited Partnership
Wapiti, Wyoming
Gratiot Bancshares, Inc.
Gratiot, Wisconsin
Gratiot State Bank
Gratiot, Wisconsin*

FR - 12-15-94
NP - 12-30-94

Y-2

Comerica California Incorporated
San Jose, California
University Bank & Trust Company
Palo Alto, California*

FR - 12-30-94
NP - 12-31-94

Y-2

Comerica Incorporated
Detroit, Michigan
University Bank & Trust Company
Palo Alto, California*

FR - 12-30-94
NP - 12-31-94

Y-2

Firstar Corporation
Milwaukee, Wisconsin
Investors Bank Corp.
Wayzata, Minnesota
Investors Savings Bank, F.S.B.
Wayzata, Minnesota*

FR - 12-29-94
NP - 12-25-94

Y-2

Firstar Corporation of Minnesota
Bloomington, Minnesota
Investors Bank Corp.
Wayzata, Minnesota
Investors Savings Bank, F.S.B.
Wayzata, Minnesota*

FR - 12-29-94
NP - 12-25-94




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

Type
.

Application

Y-l

Alpha Bancorp, Inc.
Chicago, Illinois
Alpha Financial Corporation
Chicago, Illinois
Archer National Bank of Chicago
Chicago, Illinois
Chicago National Bank
Chicago, Illinois*

FR - 1-9-95
NP - **

Y-2

Illinois Financial Services, Inc.
Chicago, Illinois
Alpha Bancorp, Inc.
Chicago, Illinois
Alpha Financial Corporation
Chicago, Illinois
Archer National Bank of Chicago
Chicago, Illinois
Chicago National Bank
Chicago, Illinois*

FR - 1-9-95
NP - **

Y-l

B J Morgan Bancshares, Inc.
Morgantown, Indiana
First State Bank
Morgantown, Indiana*

FR - 1-9-95
NP - **

CoC-HC

Tama County Abstract Company
Toledo, Iowa
by Michael R. Mickelson &
John M. Mickelson

FR - 1-10-95
NP - **

Y-2

National Bancorp, Inc.
Streamwood, Illinois
Northwest Community Bank
Project Heights, Illinois*

FR - **
NP - 1-18-95

Y-2

First Michigan Bank Corporation
Holland, Michigan
Superior Financial Corporation
Sault Sainte Marie, Michigan
Sault Bank
Sault Sainte Marie, Michigan*

FR - **
NP - **

Y-l

West Plains Investors, Inc.
Jacksonville, Illinois
Pleasant Plains State Bank
Pleasant Plains, Illinois*

FR - **
NP - **




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

lYP-g

Application

Y-l

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

FR - 1-6-95'
NP - **

Y-2

Firstar Corporation
Milwaukee, Wisconsin
First Moline Financial Corp.
Moline, Illinois
First Moline
Moline, Illinois
First Federal Savings Bank of Moline
Moline, Illinois*

FR - 11-14-94
NP - 12-30-94

Y-2

Firstar Corporation of Iowa
Des Moines, Iowa
First Moline Financial Corp.
Moline, Illinois
First Moline
Moline, Illinois
First Federal Savings Bank of Moline
Moline, Illinois*

FR - 11-14-94
NP - 12-30-94

Y-l

Eiden Interests, Ltd.
Gurnee, Illinois
First Waukegan Corporation
Glenview, Illinois
Bank of Northern Illinois
Glenview, Illinois
Bank of Northern Illinois, N..
Waukegan, Illinois*

FR - 11-25-94
NP - 11-26-94

Y-l

First Mutual Bancorp, Inc.
Decatur, Illinois
First Mutual Bank, S.B.
Decatur, Illinois*

FR - **




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

Type

Application

Y-4

Firstar Corporation
Milwaukee, Wisconsin
Investors Insurance Agency, Inc.
Wayzata, Minnesota

FR - 12-29-94

Y-4

Firstar Corporation of Minnesota
Bloomington, Minnesota
Investors Insurance Agency, Inc.
Wayzata, Minnesota

FR - 12-29-94

4 (c) (8)

American National Corporation
FR - 12-23-94
Chicago, Illinois
to engage in making acquiring or servicing
loans thru ANB Mezzanine Corporation,
Chicago, Illinois

4(c) (8)

Huxley Bancorp
FR - 12-23-94
Huxley, Iowa
to engage in the business of making and
servicing loans up to a minimum of $500,000

Y-4

First State Bancorp of Monticello, Inc.
Employee Stock Ownership Plan
Monticello, Illinois
Eskridge Agency, Inc.
Monticello, Illinois

4 (c) (8)

Associated Banc-Corp
Green Bay, Wisconsin
Associated Investment Services, Inc.
(F/K/A Citizens Securities Company)
Green Bay, Wisconsin

FR - 1-10-95

4 (c) (8)

Shorebank Corporation
Chicago, Illinois
Shoretrust Trading Group, Inc.
Ilwaco, Washington

FR - 1-10-95

4 (c) (8)

ISB Financial Corp.
Iowa City, Iowa
Joint Venture--Paymaster, Inc.
Solon, Iowa and to engage in
payroll processing services

FR - 1-18-95

4 (c) (8)

Banner Bancorp, Ltd
Birnamwood, Wisconsin
to engage in general insurance activities




FR - 1-6-95

FR - 1-18-95

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

Type

Application

4 (c) (8)

Eitzen Independents, Inc.
Eitzen, Minnesota
to engage in general insurance activities




Comment Period
Ending Date
FR - 1-18-95

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

Type

Application

RoS

American Chartered Bancorp
Schaumburg, Illinois
to redeem 229,012 shares of nonvoting preferred stock

RoS

First Waukegan Corporation
Glenview, Illinois
to purchase & redeem up to 313,794 shares
issued and outstanding common stock

N
FR
*
**

-

Newspaper
Federal Register
Subject to Provisions of Community Reinvestment Act
Not available at this time




(49.7%) of its

AVAILABILITY OF CRA PUBLIC EVALUATIONS
The following state member banks have been examined by the Federal Reserve
Bank of Chicago for compliance with the CRA. The 30-day business day period
the bank has to make the evaluation public has lapsed during the week ending
December 30, 1994.
If you are interested in obtaining a copy of the
evaluation document, please contact the bank(s) directly.
Identification of Ratings
O-An institution in this group has an outstanding record of, and is a leader
in, ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
S-An institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.
NI-An institution in this group needs to improve its overall record of
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
SN-An institution in this group has a substantially deficient record of
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
EXAMINATION DATE

BANK NAME/LOCATION

-1st Source Bank
1st Source Center
100 North Michigan
South Bend, Indiana
(219) 235-2000

RATINGS

46634
9/06/94

S

9/26/94

S

-Central State Bank
102 North Main Street
Elkader, Iowa
52043
(319) 245-2110

9/22/94

S

-Templeton Savings Bank
103 South Main Street
Templeton, Iowa
51463
(712) 669-3322

10/03/94

S

-Farmers State Bank of
Western Illinois
600 Main Street
New Windsor, Illinois
(309) 667-2730




61465

Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING December 30, 1994

Application

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

♦Section 3(a)(1) notification by St. Peter Bancshares,
Inc., St. Peter, Illinois, to acquire Bank of St.
Peter, St. Peter, Illinois.

Application

1/6/95

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

♦Section 3(a)(5) application by First Tennessee
National Corporation, Memphis, Tennessee, to
merge with Peoples Commercial Service Corporation,
Senatobia, Mississippi.

Newspaper:

1/27/95

♦Section 3(a)(3) application by AMBANC Corp.,
Vincennes, Indiana, to acquire First Robinson
Bancorp, Robinson, Illinois.

Newspaper:

1/21/95

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application
End of Comment Period
Section 4(c)(8) notification by Cabot Bankshares,
Inc., Cabot, Arkansas, to engage de novo in
mortgage banking activities through the acquisition
of Bank of Cabot Mortgage Company, Cabot, Arkansas
(previously reported during week ending 12/23/94).

1/11/95

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
Application
End of Comment Period
None.

♦This Application is subject to CRA.




FEDERAL RESERVE BANK OF ST. LOUIS
St Louis, Missouri
AVAILABILITY OF CRA PUBLIC DISCLOSURES
I d e n t i f i c a t i o n

O u t s t a n d i n g

A

n

o f

R a t i n g s :

r e c o r d

o f

i n s t i t u t i o n

m e e t

t h e

m e e t i n g

i n

c r e d i t

A

n

o f

i n s t i t u t i o n
its

e n t i r e

c o n s i s t e n t

N e e d s

t o

A

i m p r o v e

n

S u b s t a n t i a l

n

in

its

r e c o r d

in

o f

c o n s i s t e n t

i n s t i t u t i o n
n e e d s

m a n n e r

in

o f

c o n s i s t e n t

h a s

a

g r o u p

w i t h

a n d

g r o u p

e n t i r e
w i t h

h a s

r e s o u r c e s

r e c o r d
l o w -

to

c r e d i t

None




is

a

l e a d e r

i n c l u d i n g
a n d

l o w -

in,
a n d

a s c e r t a i n i n g

a n d

h e l p i n g

t o

m o d e r a t e - i n c o m e

capabilities.

o f

a n d

a s c e r t a i n i n g

m o d e r a t e -

a n d

i n c o m e

h e l p i n g

t o

m e e t

t h e

n e i g h b o r h o o d s ,

i n

c r e d i t
a

n e e d s

m a n n e r

i m p r o v e

its

c o m m u n i t y ,
a n d

c r e d i t

a n d

r e c o r d
l o w -

o f

a s c e r t a i n i n g

a n d

a n d

h e l p i n g

m o d e r a t e - i n c o m e

t o

m e e t

t h e

n e i g h b o r h o o d s ,

i n

a

n e e d s

d e f i c i e n t

c o m m u n i t y ,

its r e s o u r c e s

o v e r a l l

i n c l u d i n g

capabilities.

s u b s t a n t i a l l y

d e l i n e a t e d

n e e d s

r e c o r d

i n c l u d i n g

l o w -

o f

a s c e r t a i n i n g

a n d

a n d

h e l p i n g

m o d e r a t e - i n c o m e

t o

m e e t

t h e

n e i g h b o r h o o d s ,

in

capabilities.

FOR THE WEEK ENDING

Name of Bank

a n d

capabilities.

c o m m u n i t y

a

its

i n c l u d i n g

r e s o u r c e s

m e e t i n g

of,

n e e d s

c o m m u n i t y

n e e d s

r e c o r d

c o m m u n i t y ,

s a t i s f a c t o r y

d e l i n e a t e d
its

w i t h

c r e d i t

c o m m u n i t y ,

e n t i r e

t h i s
its

c o m m u n i t y

g r o u p

i n

o u t s t a n d i n g
d e l i n e a t e d

c o n s i s t e n t

m e e t i n g

this

c r e d i t n e e d s

a n

e n t i r e

r e s o u r c e s

o f

its

h a s

its

m a n n e r

this

n o n c o m p l i a n c e

c r e d i t

a

m e e t i n g

w i t h

n e e d s

m a n n e r

in

o f

d e l i n e a t e d

i n s t i t u t i o n

c r e d i t

A

o f

g r o u p

n e e d s

n e i g h b o r h o o d s ,

S a t i s f a c t o r y r e c o r d

this

c o m m u n i t y

December 30, 1994

Bank Address

Examination
Date

Examination
Rating

a

FEDERAL RESERVE BANK OF M INNEAPOLIS

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

Application
None.

FEDERAL RESERVE BANK OF M INNEAPOLIS

Application

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

Douglas J. Hanson, to acquire 25.01%
of Security State Bank Shares, Poison,
MT*

January 17, 1995
(Federal Register)

Rosemount Financial Services, Inc.,
Rosemount, MN, to acquire 100% of
Rosemount National Bank, Rosemount,
MN*

January 27, 1994
(Federal Register)

‘ Subject to CRA
FEDERAL RESERVE BANK OF M INNEAPOLIS

Section HI - Applications Subject
to Federal Register Notice Only
Application

Comment Period
Ending Date

Norwest Corporation, Minneapolis, MN, to
engage in credit bureau activities through
its subsidiary, Norwest Mortgage, Inc.,
Des Moines, IA*

January 17, 1995
(Federal Register)

Norwest Corporation, Minneapolis, MN,
to acquire the mortgage servicing
rights of Montana Bank, N.A.
Billings, Montana and Bank of Montana N.A.,
Great Falls, Montana

Not yet available

Otto Bremer Foundation, St. Paul, MN, and
Bremer Financial Corporation, St. Paul, MN to
engage in general insurance agency activities
through the acquisition of Morris State Agency,
Morris, MN

Not yet available







FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice

Application
NONE.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week aiding December 30, 1994
ASSIGNMENT OF RATING
Identification of Ratines
In connection with the assessment of each insured depository institution's CRA performance, a rating
is assigned from the following groups:
OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has an outstanding record of, and is a leader in, ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a satisfactory record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group needs to improve its overall record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low-and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
BANK(S) EXAMINED
None.




DATE OF EXAMINATION

CRA RATING

Federal Reserve Bank of Kansas City

SECTION I - APPLICATIONS SUBIECT TO NEWSPAPER NOTICE ONLY
APPLICATIO N

COMMENT PERIOD ENDING DATE

The Atoka State Bank, Atoka, Oklahoma, for prior
approval to become a member of the Federal
Reserve System.

Not Available

First State Bank of Taos, Taos, New Mexico, for
prior approval to establish a branch facility at the
corner of Jefferson Street N.W., and Tiburon,
Albuquerque, New Mexico.

Not Available

SECTION II - APPLICATIONS SUBIECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
APPLICATIO N

COMMENT PERIOD ENDING DATE

MNB Bancshares, Inc., Manhattan, Kansas, for prior
approval to acquire 100 percent of the voting
shares of Auburn Security Bancshares, Inc.,
Auburn, Kansas.*

Not Available

State Bank Employees Stock Ownership Plan,
Hoxie, Kansas, for prior approval to become a
bank holding company through the acquisition of
45 percent of the voting shares of Prairie State
Bancshares, Inc., Bucklin, Kansas.*

Not Available

Bill Taylor, Lansing, Kansas, for prior approval to
increase his ownership interest in Lansing Financial
Corporation, Lansing, Kansas, by 9.99 percent for a
total of 11.12 percent.

Not Available

Gary D. Grable, Kansas City, Kansas, John H.
Ferguson, Liberty, Missouri, Russell J. Bysel, Prairie
Village, Kansas, Richard L. Bond, Overland Park,
Kansas, Carl Edward Bradley, Lake Waukomis,
Missouri, Gregory R. Walton, Leawood, Kansas,
Angela L. Mitchell, Overland Park, Kansas, James
D. Robertson, Liberty, Missouri, and W. Jackson
Letts, Mission H ills, Kansas, for prior approval to
acquire 8.81 percent, 2.94 percent, 5.87 percent,
4.41 percent, 0.73 percent, 3.67 percent, 1.47
percent, 2.94 percent, and 1.47 percent,
respectively, of the voting shares of Guaranty
Bancshares Corporation, Kansas City, Kansas.

Not Available




Federal Reserve Bank of Kansas City

Baltz Family Partners, Ltd., Parker, Colorado, for
prior approval to become a bank holding company
through the acquisition of 100 percent of the
voting shares of First United Bancorporation,
Parker, Colorado, and thereby indirectly acquire
First United Bank, Parker, Colorado.*

January 27, 1995

First Centralia Bancshares, Inc., Centralia, Kansas,
for prior approval to acquire 16.5 percent of the
voting shares of Onaga Bancshares, Inc., Onaga,
Kansas, and thereby indirectly acquire First
National Bank of Onaga, Onaga, Kansas.*

January 27, 1995

Morrill Bancshares, Inc., Sabetha, Kansas, for prior
approval to acquire 46.5 percent of the voting
shares of Onaga Bancshares, Inc., Onaga, Kansas,
and thereby indirectly acquire First National Bank
of Onaga, Onaga, Kansas.*

January 27, 1995




Federal Reserve Bank of Kansas City

SECTION III - APPLICATIONS SUBIECT TO FEDERAL REGISTER NOTICE ONLY
APPLICATIO N

COMMENT PERIOD ENDING DATE

First National of Nebraska, Inc., Omaha, Nebraska,
for prior approval to acquire 100 percent of the
voting shares of Platte Valley Finance Company,
North Platte, Nebraska.

Not Available

SECTION IV - APPLICATIONS NOT SUBIECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
APPLICATIO N
None.

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.




Federal Reserve Bank of Kansas City

Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.
Bank/Location

Exam Date

CRA Public
Date

The Eaton Bank
P.O. Box 428
Eaton, Colorado 80615-0428

10-03-94

01-05-95

*Application is subject to CRA.




CRA
Ratine
Outstanding

FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF DECEMBER 26, 1994

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
APPLICATION

NOTICE EXP

None.

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

** NOTICE EXP

♦Section 3(a)(1) application by
Peoples Bancorp, Inc., Plano, TX, to acquire
Peoples Bancorp of Delaware, Inc., Dover, DE, and
Plano Bank & Trust, Plano, TX

N/A

♦Section 3(a)(1) application by
Peoples Bancorp of Delaware, Inc., Dover, DE, to
acquire Plano Bank & Trust, Plano, TX

N/A

♦Section 3(a)(1) application by
Kidd Partners, Ltd., Chandler, TX, to acquire
Chandler Bancorp, Inc., Chandler, TX, and Citizens
State Bank, Chandler, TX
(Previously reported during the week of 11-28-94)

95/01/25

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
APPLICATION

NOTICE EXP

None.

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

* SUBJECT TO CRA.
** EXPIRATION DATE IS THE DATE SPECIFIED IN THE NEWSPAPER NOTICE ONLY.
N/A - NOT AVAILABLE AT THIS TIME.




SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
FOR THE WEEK OF DECEMBER 26. 1994
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a
leader in, ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.
Needs to Improve record of meeting community credit needs.
An institution in this group need to improve its overall record of
ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods,
in a manner consistent with its resources and capabilities.
Substantial 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

Date of
Examination

Central Bank
4555 W. Walnut
P. 0. Box 462267
Garland, Texas 75046-2267

94/09/26




CRA Rating

Satisfactory

FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 12/30/94
Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Commercial Bank of Fremont, Fremont,
California, to acquire and merge with
two Fremont branches of Alameda First
National Bank, Alameda, California. *

Newspaper:

Not available

The Bank of San Ramon Valley, San Ramon,
California, to acquire and merge with
the San Ramon branch of Alameda First
National Bank, Alameda, California. *

Newspaper:

Not available

Concord Commercial Bank, Concord, California,
to acquire and merge with the Concord
branch of Alameda First National Bank,
Alameda, California. *

Newspaper:

Not available

ValliWide Bank, Fresno, California, to merge
with Community First Bank, Bakersfield,
California. *

Newspaper:

Not available

Northrim Bank, Anchorage, Alaska, to establish
an automated teller machine at the Alaska Native
Hospital, 255 Gambell Street, Anchorage, Alaska. *

Newspaper:

1/16/95

Tri-State Bank, Montpelier, Idaho, to become a
member of the Federal Reserve System. *

Newspaper:

1/31/95

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Michael J. Corliss, Sumner, Washington, to
hold more than 10 percent, but less than 25
percent of Valley Bancorporation, Sumner,
Washington.

Newspaper:

Not available

Fed. Reg.:

1/17/95

Wells Fargo & Company, San Francisco, California,
to acquire Wells Fargo Bank (Arizona), National
Association, Phoenix, Arizona. *

Newspaper:

Not available

Fed. Reg.:

Not available

Section III - Appl ications Subject to Fstfo-al Rgg1,ste>
None

*

gact i o CnA.
-




hi l

FEDERAL RESERVE BANK OF SAN FRANCISCO (cont'd.l
Week Ending 12/30/94
Section IV - Applications Not Subject to Federal Register Notice
or Newspaper Notice
None
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during
the week ending December 30, 1994. Information about a particular institution's
CRA evaluation may be obtained directly from the institution.
Institution

Location

Examination Date

Citizens State Bank
of Santa Paula

948 Main Street
Santa Paula, CA 93060
(805) 525-4413

9/12/94

Rating*
Outstanding

♦Under the rating system an institution's CRA performance is assigned one of
the following four ratings:
Outstanding record of meeting community credit needs: An institution has
an outstanding record of, and is a leader in, ascertaining and helping to
meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs: An institution has
a satisfactory record of ascertaining and meeting the credit needs of its
entire delineated community, including low- and moderate-income neighborhoods,
in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs: An institution
needs to improve its overall record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- to moderateincome neighborhoods, in a manner consistent with its resources and capabilities
Substantial noncomol1ance 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 moderateincome neighborhoods, in a manner consistent with its resources and capabilities




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