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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDE R A L RESE R V E SYSTEM

H. 2, 1992, No. 5
A c t i o n s of the Board, its Staff, and
the Federal Reserve Banks;
A p p l i c a t i o n s and Reports Received
During the W e e k Ending February 1, 1992

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANK HOLDING COMPANIES
NCNB Corporation, Charlotte, North Carolina -petition for reconsideration of Board1s approval of
applications to acquire C&S Sovran Corporation,
Atlanta, Georgia, and Norfolk, Virginia.
Denied, January 27, 1992.
ENFORCEMENT
Bank of the Commonwealth, Norfolk, Virginia —
written agreement dated January 21, 1992, with the
Federal Reserve Bank of Richmond and the Bureau of
Financial Institutions of the Commonwealth of
Virginia, Richmond, Virginia.
Announced, January 30, 1992.
Society for Savings Bancorp, Inc., Hartford,
Connecticut — written agreement dated January 24,
1992, with the Federal Reserve Bank of Boston.
Announced, January 30, 1992.
EXTENSIONS OF TIME
BankAmerica Corporation, San Francisco, California —
extension of comment period to February 28, 1992,
on application to acquire Security Pacific
Corporation, Los Angeles, California.
Granted, January 27, 1992.

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; FRBO - Federal Reserve
Bank Operations; IF - International Finance; OSDM - Office of Staff Director
for Management
BANK BRANCHES. DOMESTIC
Chicago

Bankers Trust Company, Des Moines, Iowa -- to
establish an electronic funds transfer at Kum-N-Go,
73rd and University.
Approved, January 30, 1992.

San Francisco

Citizens State Bank of Santa Paula, Santa Paula,
California — to establish a branch at 316 Central
Avenue, Fillmore, California.
Approved, January 29, 1992.




H.2

JANUARY 27, 1992
PAGE 2

tO

JANUARY 31, 1992

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

BANK BRANCHES, DOMESTIC
Richmond

First Community Bank, Irtc., Princeton, West Virginia
— to operate an electronic funds transfer facility
at 3425 East Cumberland Road, Bluefield, West
Virginia.
Approved, January 28, 1992.

Richmond

George Mason Bank, Fairfax, Virginia — to establish
a branch at 1320 Chain Bridge Road, McLean,
Virginia.
Approved, January 28, 1992.

BANK HOLDING COMPANIES




Chicago

Arneson Bancshares, Inc., Clear Lake, Iowa — to
acquire Clear Lake Bank and Trust, a branch of the
Home Federal Savings and Loan Association, Algona,
Iowa.
Approved, January 31, 1992.

Chicago

Associated Banc-Corp., Green Bay, Wisconsin — to
acquire F & M Financial Services Corporation,
Menomonee Falls; F & M North Corporation; F&M Bank,
Fond de Lac; F & M Bank, Monomonee Falls; F&M Bank
St. Francis, St. Francis; F&M Bank, Whittenberg;
Leasenu, Inc., Menomonee Falls; and F & M Trust
Company, Inc.
Returned, January 27, 1992.

Secretary

Barnett Banks, Inc., Jacksonville, Florida — to
acquire Barnett Bank of Broward County, N.A., Fort
Lauderdale, Florida.
Approved, January 29, 1992.

Secretary

Barnett Banks, Inc.,, Jacksonville, Florida — to
acquire CXS Corporation Commercial Services, Inc.,
Jacksonville, Florida.
Approved, January 29, 1992.

Kansas City

Bushton Investment Company, Inc., Hays, Kansas —
acquire The Bank of Inman, Inman, Kansas.
Approved, January 27, 1992.

to

H.2

JANUARY 27, 1992
PAGE 3

TO

JANUARY 31, 1992

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

BANK HOLDING COMPANIES




Dallas

Community Bankers, Inc., Granbury, Texas —
de novo in lending activities.
Returned, January 28, 1992.

to engage

Chicago

Emmetsburg Bank Shares, Inc., Emmetsburg, Iowa -- to
acquire certain assets and assume certain
liabilities of the Emmetsburg, Iowa, branch of the
Home Federal Savings and Loan Association, F.A.,
Algona, Iowa.
Approved, January 31, 1992.

Atlanta

First Commerce Corporation, New Orleans, Louisiana —
to acquire certain assets and assume certain
liabilities of Pelican Homestead and Savings
Association, Metairie, Louisiana, and to merge
Pelican7s branches with Rapides Bank and Trust
Company in Alexandria, Alexandria, Louisiana, and
two of First Commerce1s other subsidiaries.
Approved, January 31, 1992.

Chicago

Honor Bancorp, Inc., Honor, Michigan — to engage de
novo in establishing a collection agency through
Honor Recovery Agency, Inc.
Returned, January 27, 1992.

Chicago

Illinois Financial Services, Inc., Chicago, Illinois,
and Metropolitan Bancorp — to acquire Civic
Federal Savings Bank.
Returned, January 27, 1992.

Chicago

Illinois Financial Services, Inc., Chicago, Illinois,
and Metropolitan Bancorp — to acquire Century
Federal Savings Bank, FSB.
Approved, January 31, 1992.

Chicago

Independence Bancshares, Inc., Independence, Iowa -to acquire First State Bancorporation,
Fredericksburg, Iowa, and acquire Northeast Iowa
National Bank, Sumner, Iowa.
Approved, January 28, 1992.

H.2

JANUARY 27, 1992
PAGE 4

TO

JANUARY 31, 1992

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

BANK HOLDING COMPANIES




Chicago

Koss - Winn Bancshares, Inc., Buffalo Center, Iowa —
to acquire certain assets and assume certain
liabilities of the Britt, Iowa, branch of the Home
Federal Savings and Loan Association, F.A., Algona,
Iowa.
Approved, January 31, 1992.

Chicago

Mid - Iowa Bancshares, Inc., Algona, Iowa — to
acquire certain assets and assume certain
liabilities of the Algona, Iowa, home office of the
Home Federal Savings and Loan Association.
Approved, January 31, 1992.

S t . Louis

Mid - South Bancshares, Inc., Paragould, Arkansas -to acquire Far - Mer Bankshares, Inc., Reyno,
Arkansas, and Farmers and Merchants Bank.
Approved, January 30, 1992.

St. Louis

Old National Bancorp, Evansville, Indiana, to merge
with U.S.B. Corporation, Washington, Indiana, and
acquire United Southwest Bank.
Approved, January 27, 1992.

Cleveland

Peoples Bancorp, Inc., Marietta, Ohio —
Liberty Savings Bank, F.S.B.
Approved, January 31, 1992.

Atlanta

Phenix - Girard Bancshares, Inc., Phenix City,
Alabama — to acquire Phenix-Girard Bank.
Approved, January 28, 1992.

Chicago

Titonka Bancshares, Inc., Titonka, Iowa, and Titonka
Savings Bank — to acquire certain assets and
assume certain liabilities of the Forest City,
Iowa, branch of the Home Federal Savings and Loan
Association, F.A., Algona, Iowa.
Approved, January 31, 1992.

New York

U.S. Trust Corporation, New York, New York — to
engage de novo in trust company and data processing
activities through U.S. Trust Company Limited, New
York, New York.
Permitted, January 30, 1992.

to acquire

H.2

JANUARY 27, 1992
PAGE 5

TO

JANUARY 31, 1992

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

BANK HOLDING COMPANIES
Chicago

West Bend Bancorp, Inc., West Bend, Iowa — to
acquire certain assets and assume certain
liabilities of the West Bend, Iowa, branch of the
Home Federal Savings and Loan Association, F.A.,
Algona, Iowa.
Approved, January 31, 1992.

BANK MERGERS
New York

Chemical Bank, New York, New York — to merge with
Chemical Bank Delaware, Wilmington, Delaware,
Approved, January 30, 1992.

Secretary

Fleet Bank - NH, Nashua, New Hampshire — to acquire
certain assets and assume certain liabilities of
Atlantic Trust Company, Newington, New Hampshire.
Approved, January 30, 1992.

Chicago

Old Kent Bank and Trust Company, Grand Rapids,
Michigan — to merge with Old Kent Bank of Lansing,
N.A., Lansing, Michigan, and to establish a branch
at 232 South Capital.
Approved, January 29, 1992.

Atlanta

Rapides Bank and Trust Company in Alexandria,
Alexandria, Louisiana — to acquire certain assets
and assume certain liabilities of Pelican Homestead
and Savings Association, Metairie, Louisiana, and
to establish a branch at 3925 Jackson Street,
Alexandria, Louisiana.
Approved, January 31, 1992.

BANK PREMISES




Chicago

Old Kent Bank and Trust Company, Grand Rapids,
Michigan — investment in bank premises.
Approved, January 29, 1992.

Kansas City

Union Colony Bank, Greeley, Colorado —
bank premises.
Approved, January 29, 1992.

investment in

H.2

JANUARY 27, 1992
PAGE 6

TO

JANUARY 31, 1992

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

BANK PREMISES
Kansas City

Vectra Bank, Denver, Colorado —
premises.
Approved, January 30, 1992.

investment in bank

BANKS, STATE MEMBER
Director, BS&R

Bank of Clarke County, Berryville, Virginia —
transfer agent registration.
Approved, January 27, 1992.

S t . Louis

Fayette County Bank, St. Elmo, Illinois —
a dividend.
Approved, January 30, 1992.

payment of

CAPITAL STOCK
S t . Louis

Middleburg Bancorp, Inc., Middleburg, Kentucky —
redemption of shares.
Approved, January 29, 1992.

CHANGE IN BANK CONTROL




Minneapolis

Cameron Bancorp, Inc., Cameron, Wisconsin —
in bank control.
Permitted, January 28, 1992.

change

Minneapolis

Farmers State Bank of Denton, Denton, Montana —
change in bank control.
Permitted, January 30, 1992.

S t . Louis

Franklin Bancorp, Inc., Franklin, Kentucky —
in bank control.
Permitted, January 31, 1992.

San Francisco

Placer Bank of Commerce, Roseville, California —
change in bank control.
Permitted, January 29, 1992.

change

H.2
JANUARY 27, 1992
PAGE 7

TO

JANUARY 31, 1992

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

COMPETITIVE FACTORS REPORTS




S t . Louis

Bank of Murray, Murray, Kentucky, proposed merger
with PBC Bank, Inc. -- report on competitive
factors.
Submitted, January 31, 1992.

Philadelphia

Beneficial National Bank, Wilmington, Delaware,
proposed purchase of certain assets and assumption
of certain liabilities of Beneficial Savings Bank,
Orlando, Florida — report on competitive factors.
Submitted, January 27, 1992.

Atlanta

Chemical Bank and Trust Company of Florida, N.A.,
Palm Beach, Florida, proposed merger with Chemical
Trust Company of Florida, N.A., Boca Raton, Florida
— report on competitive factors.
Submitted, January 29, 1992.

San Francisco

Everett Mutual Savings Bank, Everett, Washington,
proposed merger with Everett Mutual Savings Bank, A
Stock Savings Bank — report on competitive
factors.
Submitted, January 30, 1992.

St. Louis

First Bank, West Frankfort, Illinois, proposed merger
with First Bank, Chester, Illinois — report on
competitive factors.
Submitted, January 27, 1992.

Richmond

First - Citizens Bank & Trust Company, Raleigh, North
Carolina, proposed purchase of certain assets and
assumption of certain liabilities of the 2005 North
Marine Boulevard, Jacksonville North Carolina,
branch of Central Carolina Bank and Trust Company,
Durham, North Carolina — report on competitive
factors.
Submitted, January 28, 1992.

Chicago

First National Bank of Portage, Portage, Wisconsin,
proposed merger with Peoples State Bank,
Pittsville, Pittsville, Wisconsin — report on
competitive factors.
Submitted, January 29, 1992.

H.2

JANUARY 27, 1992
PAGE 8

TO

JANUARY 31, 1992

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

COMPETITIVE FACTORS REPORTS




Boston

First NH Bank, Concord, New Hampshire, proposed
merger with First NH Bank, N.A., Manchester, New
Hampshire — report on competitive factors.
Submitted, January 31, 1992.

Chicago

First State Bank, New London, Wisconsin, proposed
merger with New Bank of New London, New London,
Wisconsin — report on competitive factors.
Submitted, January 29, 1992.

Secretary

Honfed Bank, a Federal Savings Bank, Honolulu,
Hawaii, proposed merger with Bank of America,
Federal Savings Bank, Portland, Oregon — report on
competitive factors.
Submitted, January 28, 1992.

Cleveland

Mahoning National Bank of Youngstown, Youngstown,
Ohio, proposed merger with Mahoning Interim, N.A. - report on competitive factors.
Submitted, January 30, 1992.

Philadelphia

Peoples First National Bank and Trust Company,
Hazleton, Pennsylvania, proposed merger with First
Eastern Bank, NA., Wilkes-Barre, Pennsylvania —
report on competitive factors.
Submitted, January 29, 1992.

New York

Sentry Interim Savings and Loan Association,
Stamford, Connecticut, proposed merger with Sentry
Savings and Loan Association — report on
competitive factors.
Permitted, January 30, 1992.

New York

Village Bank of Connecticut, Stamford, Connecticut,
proposed merger with Sentry Savings and Loan
Association — report on competitive factors.
Submitted, January 30, 1992.

H.2

JANUARY 27, 1992
PAGE 9

TO

JANUARY 31, 1992

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

EXTENSIONS OF TIME
San Francisco

First Interstate Bancorp, Los Angeles, California —
extensions to divest certain properties.
Granted, January 29, 1992.

San Francisco

Security Pacific Corporation, Los Angeles, California
— extension to divest certain property.
Granted, January 28, 1992.

San Francisco

Security Pacific Corporation, Los Angeles, California
— extension to divest certain property.
Granted, January 29, 1992.

San Francisco

Wells Fargo & Company, San Francisco —
divest certain properties.
Granted, January 30, 1992.

Philadelphia

United Bank of Philadelphia, Philadelphia,
Pennsylvania — to become a member of the Federal
Reserve System.
Approved, January 29, 1992.

extensions to

MEMBERSHIP

RESERVE BANK OPERATIONS




Director, FRBO

Federal Reserve Bank of St. Louis —
low-dollar truncation service.
Approved, January 29, 1992.

to implement a

H.2

ADDITIONS AND CORRECTIONS

JANUARY 27, 1992
PAGE 10

TO

JANUARY 31, 1992

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

BANK PREMISES




Chicago

Kingston State Bank, Kingston, Michigan -- investment
in bank premises.
Returned, January 22, 1992.

FE D E R A L R E S E R V E 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

Berkshire Financial Services,
Lee, Massachusetts 3(a)(1) application
to acquire 100% of the
voting shares of Lee
Bank, Lee, Massachusetts*

Inc.,

Newspaper

2-18-92

Federal Register
Not Yet Established

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

**Rating Definitions:
"O" - Outstanding; "S" - Satisfactory;
Improve; "SN" - Substantial Noncompliance.
Institution

Examination Date
NONE

♦Subject to CRA




"N" - Needs to

Rating**

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
U.S.B. Holding Company, Inc., Nanuet, New York
to acquire up to 26 percent of the voting stock of
New Milford Bank and Trust Company, New Milford,
Connecticut.!/

2/24/92 3/

Lakeland First Financial Group, Inc., Succasunna,
New Jersey to become a bank holding company
through the acquisition of 100 percent of the
voting stock of Lakeland Savings Bank, Succasunna,
New Jersey upon conversion of Lakeland Savings
Bank, S.L.A. to a state chartered savings bank.l/

2/23/92 3/

SECTION III
Nonbanking Applications
(Subject to Federal Register Notice Only)
The Fuji Bank, Limited, Tokyo, Japan to acquire
certain assets of the First Capital Division of
The Financial Center Bank, N.A., San Francisco,
California and thereby to engage in commercial
financing indirectly through its wholly-owned
subsidiary, Heller First Capital Corp, Chicago,
Illinois.
SECTION IV
Applications Not Involving
______ Public Comment______
None.




N/A

SECTION V
Availability of CRA Public Evaluations
In connection with the assessment of each insured depository
institution'sCRA 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 phe credif 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 moderateincome neighborhoods, in a manner consistent with its resources
and capabilities.
Week Ending February 1. 1992
NAME OF BANK

RATING

EXAMINATION DATE

None.
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 BANK OF PHILADELPHIA

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPERNOTICE ONLY
Comment Period Ending Date
None.

SECTION II - APPLICATIONS SUBJECT TO B O M NEWSPAPER AND
FEDERAL REGISTER NOTICE
Comment Period Ending Date
None.

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
Comment Period Ending Date
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 January 31# 1992.
Identification of Ratings
In connection with the assessment of each insured depository
performance, a rating is assigned from the following groups:

institution's

CRA

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
None.

CRA Rating

F e d e ra l

R e s e rv e

B ank

of

C le v e la n d

Applications Bulletin
For Week Ending February 1, 1992
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
R e c e i v e d a p p l i c a t i o n fr om The Fifth
T h i r d Bank, Cincinnati, Ohio, on J a n u a r y
27, 1992, for p e r m i s s i o n to estab l i s h a
b r a n c h at 3760 P a xton Avenue, Cincinnati,
Ohio.

* F e b r u a r y 20,

1992

R e c e i v e d Se c t i o n 18(c) appl i c a t i o n f r o m
The State B a n k a n d Trust Company, Defiance,
Ohio, on J a n u a r y 28, 1992, to a c quire the
Delta, Lyons, a n d Wauseon, Ohio, branc h e s
of So c i e t y B a n k & Trust, Toledo, Ohio.

* F e b r u a r y 29, 1992

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
Rec e i v e d Se c t i o n 3(a) (3) a p p l i c a t i o n from
* F: F e b r u a r y 20, 1992
First C o m m o n w e a l t h Financial Corporation,
Indiana, Pennsylvania, on J a n u a r y 21, 1992,
to acquire Central Bank, Claysburg,
Pennsylvania.

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
R e c e i v e d n o t i f i c a t i o n from C o m m u n i t y
Independent Bancorp, Inc., West Salem,
Ohio, on J a n a u r y 21, 1992, of its intent to
engage de novo in p e r f o r m i n g app r a i s a l s of
real estate a n d tangible a n d intangible
personal property, including securities,
pursuant to S e c t i o n 2 2 5 . 2 5 ( b ) (13) of
Re g u l a t i o n Y th r o u g h a w h o l l y - o w n e d subsidiary,
CIB Appraisal Services, Inc.

*
N
F
#

-




F e b r u a r y 25,

S u bject to C R A
N e w s p a p e r C o m m e n t Period
Federal R e g i s t e r Comment Period
E x p e c t e d to e n d a p p r o x i m a t e l y 30 days f r o m the
date of r e ceipt of the application.

1992

F e d e ra l

R e s e rv e

B ank

of

C le v e la n d

Applications Bulletin
For W e e k Endi n g F e b r u a r y 1,

1992

Received Section 4 ( c ) (8) application from
Provident Bancorp, Inc., Cincinnati, Ohio,
on January 24, 1992, to acquire at least 49
percent of the voting shares of Brooks Capital
Management, Inc., Cleveland, Ohio.

SE C T I O N III

February 25, 1932

- A P P L I C A T I O N S S U B J E C T TO F E DERAL R E G I S T E R
NOTICE ONLY

Received Section 4 ( c ) (8) application from
Society Corporation, Cleveland, Ohio, on
January 28, 1992, for permission to expand the
non-banking activities of its wholly-owned
subsidiary, Green Machine Network Corporation,
North Olmsted, Ohio.

February 26, 1992

S E C T I O N IV - A P P L I C A T I O N S N O T SU B J E C T TO F E DERAL R E G I S T E R N O T I C E
OR N E W S P A P E R N O T I C E

Received three requests from Ohio Citizens
Bank, Toledo, Ohio, on January 27, 1992, for
permission to exceed its limit of investment
in bank premises permitted under Section 24A
of the Federal Reserve A c t .
*

*
N
F
#

-

Subject to CRA
Newspaper Comment Period
Federal Register Comment Period
Expected to end approximately 30 days
from the date of receipt of the application.




Federal Reserve Bank of Richmond

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

Union Bancorp, Inc., Bowling Green,
Virginia, to become a bank holding
company through the acquisition of
Union Bank and Trust Company, Bowling
Green, Virginia.*

2-23-92

Grayson Bankshares, Inc. Independence,
,
Virginia, to become a bank holding
company through the acquisition of
Grayson National Bank, Independence,
Virginia.*

2-28-92

F & M National Corporation, Winchester,
Virginia, to acquire Farmers & Merchants
Bank of Keyser, Keyser, West Virginia.*

2-29-92

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

BB&T Financial Corporation, Wilson,
North Carolina, to acquire Peoples
Federal Savings Bank of Thomasville,
Thomasville, North Carolina.*

2-13-92**

Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
None.

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




Federal Reserve Bank of Richmond

Availability o£ CftA Public Evaluations
Week ending January 31, 1992

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

Blue Ridge Bank
213 N. Locust Street
Floyd, Virginia 24091




11-14-91

Rating

Satisfactory

A p p lic a tio n s

F e d e ra l R e s e rv e B ank o f A t la n t a
B u l l e t i n f o r W eek E n d in g J a n u a r y

31.

1992

S e c t i o n 1 - A p p l i c a t i o n s Subject to N e w s p a p e r N o t i c e O n l y

Application

Comment P e r i o d E n d i n g Date

SouthTrust B a n k of Pinellas C o unty
St. Petersburg, Florida
To me r g e w i t h the N e w Port Richey, Hudson,
Florida b r a n c h of M i d - S t a t e Federal Savings
Bank, Ocala, Florida, purs u a n t to Section
18(c) of the Federal D e posit Insurance Act.

02-29-92*

Se c t i o n 2 - A p p l i c a t i o n s Subject To B o t h
N e w s p a p e r a n d Federal R e g i s t e r N o t i c e

Application

Comment P e r i o d E n d i n g Date

Terrabank Holding Corporation
Miami, Florida
Change in control b y Carlos Salm a n to
acquire a n a d d i tional 11.30 p ercent of
the shares of common stock.
Mr. Salman's
ownership w i l l increase to 20.57 percent.

Not yet a v ailable*

Villages Bancorporation, Inc.
Lady Lake, Florida
1-BHC formation, First B a n k of the Villages,
Lady Lake, Florida.

Not yet a vailable*

Camilla Bancshares, Inc.
Camilla, G e o r g i a
1-BHC formation, B a n k of Camilla,
Georgia.

Not yet a v ailable*
Camilla,

Se c t i o n 3 - A p p l i c a t i o n s Subject to Federal
R e g i s t e r N o tice Onl y

Application

Comment P e r i o d E n ding Date

None.

♦Subject to Provisions of Commu n i t y Rei n v e s t m e n t




A p p lic a tio n s

F e d e ra l R e s e rv e B ank o f A t la n t a
B u l l e t i n f o r W eek E n d in g J a n u a r y

31.

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
No n e .




1992

A p p lic a tio n s

F e d e ra l R e s e rv e B ank o f A t la n t a
B u l l e t i n f o r W eek E n d in g J a n u a r y

31.

1992

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

Examination
Bank
None.




Rating

Date

Federal Reserve Bank of Chicago

Tfe
fi

Section I - Applications Subject to Newspaper
Notice Only
Content Period
Ending n ate
Application

Merger/
Branch

Comerica Bank - Detroit
Detroit, Michigan
Manufacturers National Bank of Detroit
Detroit, Michigan
Manufacturers Detroit location*

N

- **

Branch

Canerica Bank - Detroit
Detroit, Michigan
12225 W. Warren Avenue, Detroit, Michigan
13650 Michigan Avenue, Detroit, Michigan
16150 Michigan Avenue, Detroit, Michigan
22101 Michigan Avenue, Detroit, Michigan
3655 S. Telegraph Road, Detroit, Michigan
850 N. Telegraph Road, Detroit, Michigan*

N

- **

Merger/
Oakar/Branch

A m e s o n Bancshares, Inc.
Clear Lake, Iowa
G a m e r Branch of Hone Federal Savings
and Loan Association, F.A.
Algona, Iowa

FR - **
N - **

Merger/
Oakar/Branch

Emmetsburg Bank Shares, Inc.
FR - **
Emnetsburg, Iowa
N - **
Emmetsburg Branch of Home Federal Savings
and Loan Association, F.A.
Algona, Iowa

Merger/
Oakar/Branch

Titonka Bancshares, Inc.
FR - **
Buffalo Center, Iowa
N - **
Forest City Branch of Home Federal Savings
and Loan Association, F.A.
Algona, Icwa

Merger/
Oakar

Illinois Financial Services, Inc.
Chicago, Illinois
Centuiy Federal Savings Bank, FSB
Chicago, Illinois

FR N -

Merger/
Oakar

Koss-Winn Banc shares, Inc.
Buffalo Center, Iowa
Britt Branch of Home Federal Savings
and Loan Association, F.A.
Algona, Iowa

FR - **
N - **

Merger/
Oakar

Mid-Icwa Bancshares, Inc.
FR - **
Algona, Iowa
N - **
Qnmetsburg Branch of Mane Federal Savings
and Loan Association, F.A.
Algona, Iowa




**
**




Federal Reserve Bank of Chicago

Section I - Applications Subject to Newspaper
Notice Only
(Continued^
Comment Period
Application
Ending nate
west Bend Bancorp
West Bend, Icwa
Home Office of Heme Federal Savings and
Loan Association, F.A.
Algona, Iowa

FR - **
N - **

Section II - Applications Subject to Both Newspaper and Federal
Register Notice
Comment Period
Application
Ending Date
Dixon Bancshares, Inc.
Rolfe, Iowa
Rolfe State Bank
Rolfe, Icwa
Citizens State Bank
Sheldon, Icwa*

FR - 2-3-92
N - 1-20-92

Ccmerica Incorporated
FR - **
Detroit, Michigan
N - **
Manufacturers National Corporation
Detroit, Michigan
Manufacturers National Bank
Detroit, Michigan
Manufacturers National Bank of Ann Arbor
Ann Arbor, Michigan
Manufacturers Bank-Wilmington
Newark, Delaware
Manufacturers Bank and Trust of Florida
Palm Beach Gardens, Florida
Affiliated Bank
Franklin Park, Illinois
Manufacturers National Bank of Grand Rapids
Grand Rapids, Michigan
Manufacturers Bank of Lansing
Lansing, Michigan
Affiliated Banc Group, Inc.
Morton Grove, Illinois*
Manufacturers National Corporation
FR - **
Detroit, Michigan
N - **
Ccmerica Incorporated, Detroit, Michigan
Comerica Bank-Detroit, Detroit, Michigan
Ccmerica Bank-Midwest, National Association
Toledo, Ohio
Ccmerica Bank-Texas, Dallas, Texas
Plaza Bank of Commerce
San Jose, California
Bank of Industry, City of Industry, California
Ccmerica Trust Company of Florida
Boca Raton, Florida*

Federal Reserve Bank of Chicago

Section II - Applications Subject to Both Newspaper
Register notice
^Continued V

FaAarai

Carment Period
Application

Rnriinf^ nat-<a

Manufacturers-Detroit International
Corporation
East Detroit, Michigan
Canerica Incorporated
Detroit, Michigan

FR - **

Y-l

Old State Bank Corporation
Fremont, Michigan
Hie Old State Bank of Fremont
Fremont, Michigan*

FR - 1-13-92
N - 1-18-92

Y-l

Fairmount Banking Company
Fairmount, Indiana
Hie Fairmount State Bank
Fairmount, Indiana*

FR - **
N - **

CoC-HC

N

- **

Section III - Applications Subject to Federal Register
Notice Only
Gcmnent Period
Type

Application

4(c)(8)

ABN AMRO North America, Inc
Chicago, Illinois
ABN AMRO Securities, Inc.
New York, New York

FR - **

4(c)(8)

ABN/AMRO Holding N.V.
Amsterdam, Hie Netherlands
ABN AMRO Securities, lie.
New York, New York

FR - **

4(c)(8)

ABN AMRO Bank N.V.
Amsterdam, The Netherlands
ABN AMRO Securities, Inc.
New York, New York

FR - **

4(c) (8)

Stichting Administratiekantoar ABN AMRO
Holding
Amsterdam, The Netherlands
ABN AMRO Securities, Inc.
New York, New York

FR - **

4(c)(8)

Stichting Prioriteit ABN AMRO Holding
Amsterdam, The Netherlands
ABN AMRO Securities, Inc.
New York, New York

FR - **







Federal Reserve Bank of Chicago

Section III - Applications Subject to Federal Register
Notice Only
(
Continued1

Application

Comment Period
Ending nate

Canerica Incorporated
FR - **
Detroit, Michigan
Affiliated Asset-Based Tending Services, Inc.
Morton Grove, Illinois
Manucor Agency, Inc.
Detroit, Michigan
Manucor Insurance Corporation
Detroit, Michigan
Manufacturers Affiliated Trust Company
Chicago, Illinois
Manufacturers Bank and Trust of Florida, N.A.
Palm Beach Gardens, Florida
Manufacturers Bank-Wilmington
Wilmington, Delaware
Manufacturers Federal Savings Bank (in formation)
Palm Beach Gardens, Florida
ML, Inc. (D/B/A Magic Line)
Dearborn, Michigan
NSOC Leasing Carp.
Morton Grove, Illinois
Wilson, Kenp & Associates, Inc.
Detroit, Michigan
Manufacturers National Corporation
FR - **
Detroit, Michigan
Canerica Acceptance Corporation
Auburn Hills, Michigan
Canerica Bank-Florida, Federal Savings Bank
Clearwater, Florida
Canerica Brokers, Inc.
Detroit, Michigan
Canerica Capital Management, Inc.
Detroit, Michigan
Canerica Corporate Services, Incorporated
Detroit, Michigan
Canerica Properties Corporation
Auburn Hills, Michigan
Canerica Trust Company of Florida, National Association
Boca Raton, Florida
ML, Inc. (D/B/A Magic Line)
Dearborn, Michigan
Plaza Realty Advisors
San Jose, California

Federal Reserve Bank of Chicago

Section III - Applications Subject to Federal Register
Notice Only
{ Continued!
Cement Period
FnrKnq nate

Type

Application

Y-4

Irwin Financial Corporation
FR - **
Columbus, Indiana
Primed Financial Services, Inc.
Chesapeake, Virginia— extensions of
credit for the account of health care
providers engaged in consumer finance account

Section IV - Applications Not Subject to Federal Register or Newspaper
Notice
Type

Application

RoS

Tanco, Ltd.
Guttenberg, Iowa
To redeem 106,240 shares of voting preferred stock

N
FR
*
**

-




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

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 January 31, 1992.
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.
5-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 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.
SN-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.
BANK NAME/LOCATION

EXAMINATION DATE

-Old Kent Bank Southwest
210 East Main Street
Niles, Michigan
49120
-Byron Center State Bank
2445 84th Street, S.W.
Byron Center, Michigan
-Bank of Lakeview
506 Lincoln Avenue
Lakeview, Michigan




RATING

10/15/91

49315

S

10/21/91

S

10/28/91

NI

Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING JANUARY 3 1 , 1992

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
A p p lic a tio n

End o f Comment Period

None.

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

End o f Comment P erio d

S e c tio n 3 ( a ) ( 3 ) a p p li c a ti o n by Hid-South Bancorp,
I n c . , F ra n k lin , Kentucky to a cq u ire F i r s t C itiz e n s
Bank, F ra n k lin , Tennessee

Newspaper: 2 - 2 4 - 9 2

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
A p p lic a tio n

End o f Comnent P erio d

S e c tio n 4 ( c ) ( 8 ) a p p lic a tio n by Boatm en's
B a n csh a re s, I n c . , S t . L o u is, M isso u ri to a cq u ire
S u p erio r F e d e ra l Bank, F . S . B . , F o r t Smith,
A rkansas

Not y e t a v a ila b l e

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

Tfri* application is subject to CRA.




FEDERAL RESERVE BANK OF ST. LOUIS
St. Louis, M issouri
A V A IL A B IL IT Y OF CRA PU BLIC DISCLOSURES
Identification o f Ratings:
Outstanding record o f meeting community credit needs
An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to
meet the credit needs of its entire delineated community, including low - and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record o f meeting community credit needs
An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs
of its entire delineated community, including low- and moderate- income neighborhoods, in a manner
consistent with its resources and capabilities.
Needs to improve record o f meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.

FOR THE WEEK ENDING

Name of Bank

None




January 31, 1992

Bank Address

Examination
Date

Examination
Rating

FEDERAL RESERVE BAMS OF MINNEAPOLIS

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

Application
None.

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

Application

Comment Period
Ending Date__

Dairyland Bank Holding Corporation
La Crosse, WI
To acquire 100% of Bank of Alma,
Alma, WI*

Not yet available

Dairyland Bank Holding Corporation
La Crosse, WI
To acquire 91.85% of the La Farge
State Bank, La Farge, WI*

Not yet available

McVille Financial Services, Inc.
McVille, ND
To acquire 100% of McVille State
Bank, McVille, ND*
First Bank System, Inc.
Mpls, MN
To acquire 100% of Siouxland Bank
Holding Company, Scottsdale, Arizona,
a multibank holding company owning
Dakota Bank and Trust Company, Fargo,
ND and First National Bank of Hettinger,
Hettinger, North Dakota*
Thompson Insurance, Inc.
Bismarck, ND
To acquire 91.77% of the First Security
Bank of Havre, Havre, MT*

*

Subject to CRA




12-17-91
(Federal Register)

Not yet available

Not yet available

F E D E R A L R E S E R V E B A N K -OF M I N N E A P O L I S

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

Application
Norwest Corporation
Mpls, MN
To engage indirectly through Rural
Community Insurance, Inc., an in­
direct subsidiary of Norwest Cor­
poration, in crop insurance managing
agent business through a lease agree­
ment with National Ag Underwriters,
Inc. Anoka, MN
,

Not yet available

Norwest Corporation
Mpls, MN
To engage in combining data processing,
data transmission services, facilities
and data bases to local boards of realty
and their members through the acquisi­
tion of U.S. Recognition, Inc., Ringwood,
New Jersey

Not yet available

First Bank System, Inc.
Mpls, MN
To engage in data processing through the
acquisition of Dakota Data Processing,
Inc. Fargo, ND
,

Not yet available

First Bank System, Inc.
Mpls, MN
To engage in performing trust company
functions through the acquisition of
of Dakota First Trust Co., Fargo, ND

Not yet available

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 ending January 31, 1992
ASSIGNMENT OF RATING
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 moderateincome 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( ) EXAMINED
S

DATE OF EXAMINATION

State Bank of Alcester
P. 0. Box 8
Alcester, SD 57001
(605) 934-2500

October 28, 1991

Citizens State Bank
P. 0. Box 378
Arlington, SD 57212
(605) 983-5594

October 21, 1991




CRA RATING
Outstanding

Satisfactory

Farmers & Merchants Bank
P. 0. Box 848
Huron, SD 57350
(605) 352-6444




November 4, 1991

Outstanding

Federal Reserve Bank of Kansas City

SECTION I - APPLICATIONS SDBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION
City Center Bank of Colorado, Aurora,
Colorado, for prior approval for
membership in the Federal Reserve
System.

COMMENT PERIOD ENDING DATE
Not Available

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
APPLICATION
Kim M. and Linda S. Ricketts,
Marceline, Missouri, for prior
approval to increase their
proportionate ownership interest in
RMB Bancshares, Inc., Marceline,
Missouri, from 20 percent to 28.75
percent.

COMMENT PERIOD ENDING DATE
Not Available

REVISED from the January 17, 1992
Bulletin
C. B. Graft, Clinton, Oklahoma, and
Don C. McNeill, Edmond, Oklahoma, for
prior approval to each acquire a 50
percent ownership interest in Leedey
Bancorporation, Inc., Leedey,
Oklahoma.

Not Available

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

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




Federal Reserve Bank of Kansas City

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

has a satisfactory record of
meet the credit needs of its
including low- and moderatemanner
consistent with
its

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

Exam Date

CRA Public
Date

Western Bank of Cody
P.0. Box 218
Cody, Wyoming 82414-0218

11-4-91

1-27-92

Satisfactory

Bank of Rangely
P.O. Box 1088
Rangely, Colorado

11-4-91

1-28-92

Needs to
Improve

10-29-91

1-28-92

Needs to
Improve

First Security Bank
P.O. Box 460
New Castle, Wyoming



CRA
Rating

81648-1088

82721-0460

Federal Reserve Bank of Kansas City

The First State Bank
11-4-91
P.O. Box 427
Fairfax, Oklahoma 74637-0427

1-30-92

Satisfactory

The Stock Exchange Bank
11-4-91
P.O. Box 273
Caldwell, Kansas 67022-0273*

1-30-92

Satisfactory

*Application is subject to CRA.




FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF JANUARY 27, 1992

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
First Tule Bancorp of Delaware, Inc., WiIminoton, DE,
to acquire The First National Bank of Tulia, Tulia, TX

2-22-92
(Republished)

*Section 3(a)(1) application by
Lockhart Bankshares, Inc., Lockhart, TX, to acquire
Lockhart Bankshares-Delaware, Inc., Wilmington, DE, and
First-Lockhart National Bank, Lockhart, TX

2-22-92

*Section 3(a)(1) application by
Lockhart Bankshares-Delaware, Inc., Wilmington, DE, to
acquire First-Lockhart National Bank, Lockhart, TX

2-22-92

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
Notice by Delhi Bancshares, Inc., Delhi, LA, to redeem
15,752 shares of its common stock

* 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 JANUARY 27, 1992

Outstanding record of meeting community credit needs.
An institution in this group has an outstanding
leader in, ascertaining and helping to meet the
entire delineated
community,
including lowneighborhoods, in
a manner
consistent
with
capabilities.

record of, and is a
credit needs of its
and
moderate-income
its
resources
and

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
Minden Bank & Trust Company
401 Main Street
P. 0. Box 400
Minden, Louisiana 71058-0400




Date of
Examination
10-28-91

CRA Rating
Outstanding

FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 1/31/92

Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

None

Section II - Applications Sub.iect to Both
Newspaper and Federal Register Notice

None

Section III - Applications Subject to Federal Register Notice Only

None

Section IV - Applications Not Sub.iect to Federal Register Notice
or Newspaper Notice

None




FEDERAL RESERVE BANK OF SAN FRANCISCO (cont'd.)

Week ending 1/31/92

Section V - Availability of CRA Public Evaluations
Information about a particular institution's CRA evaluation may be obtained
directly from the institution.
Institution

Location

Farmers and Merchants
Bank of Forest Grove
(now called Valley
Commercial Bank)

P.0. Box 766
Forest Grove, OR 97116
Tel: (503) 359-4495

Examination Date
10/21/91

Rating*
Satisfactory

* Under the rating system an institution's CRA performance is assigned one of
the following four ratings:
OUTSTANDING: An institution assigned this rating 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: An institution assigned this rating has a satisfactory record
of ascertaining and meeting the credit needs of its delineated community.
NEEDS TO IMPROVE: An institution assigned this rating needs to improve its
overall record of ascertaining and meeting the credit needs of its delineated
community.
SUBSTANTIAL NONCOMPLIANCE: An institution assigned this rating has a
substantially deficient record of ascertaining and meeting the credit needs of
its delineated community.




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