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ANNOUNCEMENT BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM H.2, 1997, No. 5 Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received During the Week Ending February 1, 1997 ACTIONS TAKEN BY THE BOARD OF GOVERNORS TESTIMONY AND STATEMENTS Fiscal health of the United States in the TwentyFirst century -- statement by Chairman Greenspan before the Senate Committee on Finance, January 30, 1997. Published, January 30, 1997. BANK HOLDING COMPANIES Cooperatieve Centrale Raiffeisen - Boerenleenbank, B.A., Rabobank Nederland, Utrecht, the Netherlands -- temporary exemption to acquire the U.S. operations of Robeco Administratie Mij., B.V., Rotterdam, the Netherlands, by acquiring shares of Robecam's newly formed parent company, Robeco Groep, N.V. Granted, January 29, 1997. BANKS. FOREIGN Industrial and Commercial Bank of China, Beijing, Peoplevs Republic of China - - t o establish a representative office in New York, New York. Approved, January 27, 1997. REGULATIONS AND POLICIES Community Reinvestment Act (CRA) information, including ratings of state member banks examined by the Federal Reserve -- information available on the Internet. Announced, January 29, 1997. H.2 JANUARY 27, 1997 PAGE 2 TO JANUARY 31, 1997 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY ABBREVIATIONS: BS&R - Banking Supervision and Regulation; C&CA - Consumer and Community Affairs; FOMC - Federal Open Market Committee; FRBO - Federal Reserve Bank Operations; IF - International Finance; OSDM - Office of Staff Director for Management BANK BRANCHES. DOMESTIC Richmond Centura Bank, Rocky Mount, North Carolina - - t o establish a branch in the Hannaford Brothers Store at 5309 Carolina Beach Road, Wilmington, North Carolina. Approved, January 27, 1997. Philadelphia Dauphin Deposit Bank and Trust Company, Harrisburg, Pennsylvania - - t o establish a branch at Rossmoyne Business Center, Ritter Road, Mechanicsburg, Pennsylvania. Approved, January 30, 1997. Philadelphia First Republic Bank, Philadelphia, Pennsylvania -- to establish a branch at 1408 Old York Road, Abington, Pennsylvania. Approved, January 27, 1997. Philadelphia First Republic Bank, Philadelphia, Pennsylvania - - t o establish a branch at Germantown Pike and Swede Road, East Norriton Township, Pennsylvania. Approved, January 27, 1997. Atlanta Peoples Bank & Trust Company, Selma, Alabama - - t o establish a branch at 3791 Highway 14, Millbrook Alabama. Approved, January 27,\ 1997. H.2 JANUARY 27, 1997 PAGE 3 TO JANUARY 31, 1997 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK BRANCHES. DOMESTIC Atlanta SunTrust Bank, Atlanta, Georgia -- to establish branches inside Publix Supermarkets at 2698 Buford Highway, Duluth; 7535 Highway 85, Riverdale; 2035 Mount Zion Road, Morrow; 2900 Peachtree Road, N.E., Atlanta; 2173 Hamilton Mill Parkway, Dacula; 4422 High Howell Road, Tucker; 2455 Cumberland Parkway, Atlanta; 50 Barrett Parkway, Marietta; 4430 Wade Green Road, Kennesaw; 108 Pavillion Parkway, Fayetteville; 7899 Tara Boulevard, Jonesboro; 3316 Highway 5, Douglasville; 4403 Townlake Parkway, Town Lake; 1910 Highway 20, S.E., Conyers; 6131 South Norcross-Tucker Road, Norcross; 1544 Piedmont Road, Atlanta; 6300 Powers Ferry Road, Atlanta; and 115585 Jones Bridge Road, Alpharetta, all in Georgia. Approved, January 30, 1997. Dallas Wellington State Bank, Wellington, Texas - - t o establish at branch at 105 North 5th Street, Canadian, Texas. Approved, January 27, 1997. BANK HOLDING COMPANIES Secretary JBank of Boston Corporation, Boston, Massachusetts; Fleet Financial Group, Inc., Boston, Massachusetts; The Governor and Company of the Bank of Ireland, Dublin, Ireland; The Royal Bank of Scotland Group pic, Edinburgh, United Kingdom; The Royal Bank of Scotland pic, Edinburgh, United Kingdom; Citizens Financial Group, Inc., Providence, Rhode Island; The Bank of New York Company, Inc., New York, New York; The Chase Manhattan Corporation, New York, New York; Citicorp, New York, New York; HSBC Holdings, PLC, London, England; HSBC Holdings BV, Amsterdam, Netherlands; HSBC Americas, Inc., Buffalo, New York; National Westminster Bank, PLC, both of London, England; and First Union Corporation, Charlotte, North Carolina - - t o acquire 9.1 percent of the shares of Card Alert Services, Inc., Arlington, Virginia, and engage in data processing activities. Permitted, January 31, 1997. H.2 JANUARY 27, 1997 PAGE 4 TO JANUARY 31, 1997 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES San Francisco BSH Bancorp, Santa Monica, California - - t o acquire Bank of Santa Maria, Santa Maria, California. Approved, January 29, 1997. Dallas Buckeye Bancshares, Inc, Dover, Delaware - - t o acquire First Community Bank, N.A., Alice, Texas. Approved, January 28, 1997. Dallas Coastal Bend Bancshares, Inc., Alice, Texas -- to acquire Buckeye Bancshares, Inc., Dover, Delaware, and First Community Bank, N.A., Alice, Texas. Approved, January 28, 1997. Secretary Compass Bancshares, Inc., Birmingham, Alabama; Compass Banks of Texas, Inc., Birmingham, Alabama, and Compass Bancorporation of Texas, Inc., Wilmington, Delaware - - t o acquire Horizon Bancorp, Inc., Austin, Texas, and Horizon Bank & Trust, SSB., and engage in operating a savings association. Approved, January 30, 1997. GC First Bancshares of Valley City, Valley City, North Dakota (Valley City Bankshares) -- request for an exemption to permit Kenneth Kohler, Sr., to serve as a director of First Hawley Bancshares, Hawley, North Dakota, and its subsidiary bank while also serving as a director of Valley City Bancshares. Granted, January 29, 1997. Philadelphia Fulton Financial Corporation, Lancaster, Pennsylvania - - t o acquire The Woodstown National Bank & Trust Company, Woodstown, New Jersey. Approved, January 27, 1997. Chicago Heartland Financial USA, Inc., Dubuque, Iowa -- to acquire Cottage Grove State Bank, Cottage Grove, Wisconsin. Approved, January 27, 1997. Chicago Michigan Heritage Bancorp, Inc., Novi, Michigan -- to acquire Michigan Heritage Bank. Approved, January 29, 1997. H.2 JANUARY 27, 1997 PAGE 5 TO JANUARY 31, 1997 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES S t . Louis National City Bancshares, Inc., Evansville, Indiana - to operate a savings association through acquisition of First Federal Savings Bank of Leitchfield, LeitchfieId, Kentucky. Permitted, January 27, 1997. Minneapolis Norwest Corporation, Minneapolis, Minnesota - - t o acquire Statewide Mortgage Company, Birmingham, Alabama, and engage in mortgage banking. Permitted, January 30, 1997. Minneapolis Norwest Corporation, Minneapolis, Minnesota, and Norwest Financial Services, Inc., Des Moines, Iowa - - t o acquire The United Group, Inc., Charlotte, North Carolina, and engage in lending and credit-related insurance activities. Permitted, January 31, 1997. Chicago Old Kent Financial Corporation, Grand Repids, Michigan - - t o acquire Old Kent Bank, National Association, Jonesville, Michigan. Approved, January 30, 1997. Atlanta RBC, Inc., Demopolis, Alabama - - t o acquire Robertson Banking Company. Approved, January 29, 1997. Chicago River Cities Bancshares, Inc., Wisconsin Rapids, Wisconsin - - t o acquire River Cities Bank. Approved, January 28, 1997. Chicago Security National Corporation, Sioux City, Iowa - - t o acquire Security National Bank of South Dakota, Dakota Dunes, South Dakota. Approved, January 28, 1997. Richmond Summit Financial Corporation, Greenville, South Carolina - - t o acquire certain assets of CityView Finance Co., Inc., Columbia, and Williamsburg Finance Co., Kingstree, South Carolina. Permitted, January 29, 1997. H.2 JANUARY 27, 1997 PAGE 6 TO JANUARY 31, 1997 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COHPANIES Atlanta The Bankshares, Inc., Jennings, Louisiana - - t o acquire The Bank. Approved, January 30, 1997. St. Louis Union Planters Community Bancorp, Inc., Memphis, Tennessee - - t o acquire through merger SBT Bancshares, Inc., Selmer, Tennessee. Approved, January 28, 1997. St. Louis Union Planters Corporation, Memphis, Tennessee - - t o acquire SBT Bancshares, Inc., Selmer, Tennessee, and Selmer Bank and Trust Company. Approved, January 28, 1997. Secretary Whitney Holding Corporation, New Orleans, Louisiana - to merge with First National Bankshares, Inc., Houma, Louisiana, and acquire First National Bank of Houma. Approved, January 30, 1997. BANK MERGERS Richmond Crestar Bank, Vienna, Virginia - - t o merge with Citizens Bank of Maryland, Laurel, Maryland, and Citizens Bank of Washington, National Association, Washington, D .C . Approved, January 29, 1997. BANKS. STATE MEMBER Richmond First National Bancorp, Inc., St. Marys, West Virginia -- redemption of shares. Approved, January 30, 1997. CAPITAL STOCK Chicago First American Bank, Webster City, Iowa -.-to reduce capital through a reverse stock split. Approved, January 27, 1997. H.2 JANUARY 27, 1997 PAGE 7 TO JANUARY 31, 1997 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY change zm BANK CONTROL Richmond First National Bancorp, Inc., St. Marys, West Virginia -- change in bank control. Permitted, January 30, 1997. COMPETITIVE FACTORS REPORTS Chicago American Interstate Bank, Manning, Iowa, proposed merger with American Interstate Bank, N.A., Paulina, Iowa, and American Interstate Bank, N.A., Walnut, Iowa -- report on competitive factors. Submitted, January 31, 1997. S t . Louis Bank of Mississippi, Tupelo, Mississippi, proposed merger with Iuka Guaranty Bank, Iuka, Mississippi - report on competitive factors. Submitted, January 28, 1997. Atlanta BankFirst, Knoxville, Tennessee, proposed merger with First National Bank of Gatlinburg, Gat1inburg, Tennessee -- -- report on competitive factors. Submitted, January 31, 1997. Richmond Branch Banking and Trust Company of Virginia, Virginia Beach, Virginia, proposed merger with Fidelity Federal Savings Bank, Richmond, Virginia - report on competitive factors. Submitted, January 27, 1997. Richmond Capital Bank, Raleigh, North Carolina, proposed purchase of certain assets and assumption of certain liabilities of the two Sanford, North Carolina, branches of Triangle Bank, Raleigh, North Carolina -- report on competitive factors. Submitted, January 28, 1997. Richmond Centreville National Bank of Maryland, Centreville, Maryland, proposed merger with Kent Savings & Loan Association, F.A.*, Chestertown, Maryland -- report on competitive factors. Submitted, January 31, 1997. Atlanta Colonial Bank, Montgomery, Montgomery, Alabama proposed acquisition of the assets and assumption of the liabilities of Union Bank, Evergreen, Alabama -- report on competitive factors. Submitted, January 31, 1997. H.2 JANUARY 27, 1997 PAGE 8 TO JANUARY 31, 1997 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COMPETITIVE FACTORS REPORTS Atlanta Deposit Guaranty National Bank of Louisiana, Hammond, Louisiana, proposed acquisition of the assets and assumption of the liabilities of Capital Bank, Monroe, Louisiana -- report on competitive factors. Submitted, January 28, 1997. San Francisco First Bank & Trust, Irvine, California, proposed acquisition of the Lakewood and Marina branches of Highland Federal Bank, FSB, Burbank, California -report on competitive factors. Submitted, January 31, 1997. Dallas First National Bank, Temple, Texas, proposed acquisition of the assets and assumption of the liabilities of a branch of Pacific Southwest Bank, Corpus Christi, Texas, at 1003 Cast Highway 190, Copperas Cove, Texas -- report on competitive factors. Submitted, January 31, 1997. Atlanta First National Bank of Oneida, Oneida, Tennessee, proposed merger with First National Interim Bank of Oneida -- report on competitive factors. Submitted, January 29, 1997. Dallas First State Bank, Yoakum, Texas, proposed acquisition of the assets and assumption of the liabilities of a branch of Pacific Southwest Bank, Corpus Christi, Texas, at 112 South Main Street, Moulton, Texas -report on competitive factors. Submitted, January 27, 1997. Chicago First State Bank, Webster City, Iowa, proposed merger with Farmers Savings Bank, Vincent, Iowa -- report on competitive factors. Submitted, January 31, 1997. Dallas Longview Bank and Trust Company, Longview, Texas, proposed acquisition of the assets and assumption of the liabilities of a branch of First Bank of Texas, Tomball, Texas, at 102 W. Columbia Street, San Augustine, Texas -- report on competitive factors. Submitted, January 27, 1997. H.2 JANUARY 27, 1997 PAGE 9 TO JANUARY 31, 1997 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COHPETITIVE FACTORS REPORTS Chicago Northern Trust Bank of Texas National Association, Dallas, Texas, proposed merger with Brent Tree National Bank -- report on competitive factors. Submitted, January 31, 1997. Chicago Old Kent Bank National Association, Jonesville, Michigan, proposed purchase of certain assets and assumption of certain liabilities of the Jonesville and Hillsdale branches of Old Kent Bank, Grand Rapids, Michigan -- report on competitive factors. Submitted, January 30, 1997. Chicago Pendleton Banking Company, Pendleton, Indiana, proposed acquisition of certain assets and assumption of certain liabilities of the Edgewood, Indiana, branch of First Merchants Bank, National Association, Muncie, Indiana -- report bn competitive factors. Submitted, January 31, 1997. Chicago TCF National Bank Illinois, Chicago, Illinois, proposed merger with Bank of Chicago, Chicago, Illinois -- report on competitive factors. Submitted, January 29, 1997. EXTENSIONS OF TIME Richmond CCB Financial Corporation, Durham, North Carolina extension to May 1, 1997, to engage de novo in data processing and providing management consulting to depository institutions through CCB Services, Inc. Granted, January 30, 1997. New York Dresdner Bank AG, Frankfurt, Germany -- extension to April 28, 1997, to engage in lending activities through Dresdner Bridge Investors, Inc., New York, New York. Granted, January 29, 1997. H.2 JANUARY 27, 1997 PAGE 10 TO JANUARY 31, 1997 ACTIONS TAKEN lY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BXTIHM ONg fi£ XXHE New York Saban, S.A., Panama City, Panama, and RNYCHolding Limited, Gibraltar -- extension to April 3, 1997, for Saban to acquire shares of Republic New York Corporation, New York, New York and for RNYCH to directly acquire and for Saban to indirectly acquire shares of RNYC. Granted, January 27, 1997. Chicago Taylor Capital Group, Inc., Wheeling, Illinois -extension to April 21, 1997, to acquire Cole Taylor Bank, Chicago, Illinois, and CT Mortgage Company, Inc., Altamonte Springs, Florida. Granted, January 28, 1997. Richmond F&M Bank-Allegiance, Inc., Bethesda, Maryland - - t o become a member of the Federal Reserve System. Approved, January 28, 1997. Chicago Michigan Heritage Bank, Novi, Michigan - - t o become a member of the Federal Reserve System. Approved, January 31, 1997. WWBERiW l P H.2 JANUARY 27, 1997 PAGE 11 ADDITIONS AND CORRECTIONS TO JANUARY 31, 1997 ACTIONS TAKEN BY THE BOARD OF GOVERNORS BANK HOLDING COMPANIES Banque Nationale de Paris, Paris, France - - t o retain approximately 7.7 percent of AXA, S.A., which indirectly owns a majority of the shares of Donaldson, Lufkin & Jenrette, Inc., New York, New York, a U.S. securities company. Granted, January 21, 1997. ADDITIONS AND CORRECTIONS ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Kansas City UMB Financial Corporation, Kansas City, Missouri -to acquire UMB Bank Omaha, N.A., Omaha, Nebraska. Approved, January 23, 1997. COMPETITIVE FACTORS REPORTS Kansas City BancOklahoma Trust Co., Tulsa, Oklahoma, proposed merger with Bank of Oklahoma, N.A. -- report on competitive factors. Submitted, January 22, 1997. San Francisco China Trust Bank of California, Torrance, California, proposed merger with China Trust Bank of New York, New York, New York -- report on competitive factors. Submitted, January 24, 1997. EXTENSIONS OF TIME Kansas City Hometown Banc Corp., Grand Island, Nebraska -extension to May 9, 1997, to acquire Five Points Bank. Granted, January 21, 1997. FEDERAL RESERVE BANK OF BOSTON APPLICATIONS Application SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY Comment Period Ending Date NONE SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE Comment Period Ending Date Application Affiliated Community Bancorp, Inc., Waltham, Massachusetts - section 3(a)(3) application to acquire Middlesex Bank & Trust Co. $in organization), Newton, Massachusetts* Newpapcr 02-14-97 Federal Register 02-18-97 Bank of Boston Corporation, Boston, Massachusetts, and BayBanks, Inc., Boston, Massachusetts - 3(a)(3) application to acquire BankBoston (NH), National Association, Nashua, New Hampshire* Newspaper Not Yet Established Federal Register 02-14-97 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: "0" - Outstanding; "S" - Satisfactory; "N" - Needs to Improve; "SN" - Substantial Noncompliance FEDERAL RESERVE BANK OF NEW YORK C o m m e n t P e r io d E n d i n g D a te SECTION I A p p lic a tio n s S u b je c t to N e w s p a p e r ______ N o tic e O n ly ______ The Bank o f New York, New York, New York, to establish two branches in ShopRite Supermarkets located at 372 Broadway, Hillsdale, New Jersey, and 14 Post Road, Oakland, New Jersey. 1/ 02/28/97 National Westminster Bank Pic, London, England, to establish an agency office in Houston, Texas. 02/21/97 National Westminster Bank Pic, London, England, to establish an additional branch in New York, New York. 02/26/97 S E C T IO N II A p p lic a tio n s S u b je c t to B o th N e w s p a p e r a n d F e d e r a l R e g is te r N o tic e None. S E C T IO N II I N o n b a n k in g A p p lic a tio n s ( s u b je c t to F e d e r a l R e g is te r N o tic e O n l y ) Banco Bilbao Vizcaya, S.A., Bilbao, Spain, to engage, through BBV Latlnvest Securities, Inc., New York, New York, in the following activities: (i) underwriting and dealing, to a limited extent, in all types o f debt and equity securities, other than ownership interests in open-end investment companies; (ii) acting as agent in the private placement o f all types o f securities, including providing related advisory services; (iii) acting as "riskless principal" in the purchase and sale o f all types o f securities; (iv) providing investment and financial advice;(v) providing securities brokerage; (vi) making, acquiring and servicing loans; (vii) underwriting and dealing in government obligations; (viii) engaging in swaps-related activities; and (ix) acting as a "conduit" or "intermediary" in securities borrowing and lending. N/A Creditanstalt, Vienna, Austria, to engage de novo in making equity investments in corporations or projects designed primarily to promote community welfare. N/A S E C T I O N IV A p p lic a tio n s N o t In v o lv in g P u b lic C o m m e n t None. SECTION V A v a ila b ility o f C R A P u b lic E v a lu a tio n s In connection with the assessment o f each insured depository institution's CRA performance, a rating is assigned from the following group: Outstanding record o f meeting community credit needs. An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs o f its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record o f meeting community credit needs. An institution in this group has a satisfactory record o f ascertaining and helping to meet the credit needs o f its entire delineated community, including low- and moderate- income neighborhoods, in a manner consistent with its resources and capabilities. Needs to improve record o f meeting community credit needs. An institution in this group needs to improve its overall record o f ascertaining and helping to meet the credit needs o f its entire delineated community, including low- and moderate income neighborhoods, in a manner consistent with its resources and capabilities. Substantial noncompliance in meeting community credit needs. An institution in this group has a substantially deficient record o f ascertaining and helping to meet the credit needs o f its entire delineated community, including low- and moderate- income neighborhoods, in a manner consistent with its resources and capabilities. W e e k E n d i n g F e b r u a r y 1 .1 9 9 7 NAM E OF BANK R A T IN G None. 1/ Subject to provisions o f Community Reinvestment Act. 2/ Later o f dates specified in newspaper and Federal Register notices. 3/ Date specified in newspaper notice; a later date may be specified in the Federal Register notice. 4/ Date specified in Federal Register notice; a later date may be specified in the newspaper notice. N/A - Not Available E X A M I N A T IO N D A T E FEDERAL RESERVE BANK OF PHILADELPHIA S E C T IO N I - A P P L IC A T IO N S R E C E IV E D A N D S U B JE C T T O N E W S P A P E R N O T IC E O N L Y NONE S E C T IO N I I - A P P L IC A T IO N S R E C E IV E D A N D S U B JE C T T O B O T H N E W S P A P E R A N D F E D E R A L R E G IS T E R N O T IC E Keystone Financial Inc.. Harrisburg, PA to acquire 100 percent o f Financial Trust Corp, Carlisle, PA, pursuant to Section 3(a)(5) o f the Bank Holding Company Act. Newspaper comment period expires: Federal Register comment period expires: 3/02/97 N/Avail S E C T IO N I I I - A P P L IC A T IO N S R E C E IV E D A N D S U B JE C T T O F E D E R A L R E G IS T E R N O T IC E O N L Y NONE S E C T IO N IV - A P P L IC A T IO N S R E C E IV E D A N D N O T S U B JE C T T O F E D E R A L R E G IS T E R N O T IC E O R N E W S P A P E R Sun Bancorp. Inc.. Selinsgrove, PA for a waiver o f the Application Requirement related to its acquisition o f F.N .B . Corporation, Hemitage, PA and its wholly-owned subsidiary, Bucktail Bank and Trust Company, Emporium, PA, pursuant to Section 3 o f the Bank Holding Company Act. FEDERAL RESERVE BANK OF PHILADELPHIA S E C T I O N V - A V A I L A B I L I T Y O F C R A P U B L IC E V A L U A T IO N S 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, 1997. I d e n tif ic a tio n o f R a tin g s In connection with the assessment o f each insured depository institution's CRA performance, a rating is assigned from the following groups: O u t s t a n d i n g r e c o r d o f m e e tin g c o m m u n ity c r e d i t n e e d s . An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs o f its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. S a tis f a c to r y r e c o r d o f m e e tin g c o m m u n ity c r e d i t n e e d s . An institution in this group has a satisfactory record o f ascertaining and helping to meet the credit needs o f its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. N e e d s to im p r o v e r e c o r d o f m e e tin g c o m m u n ity c r e d i t n e e d s . An institution in this group needs to improve its overall record of ascertaining and helping to meet the credit needs o f its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. S u b s ta n tia l n o n c o m p lia n c e in m e e tin g c o m m u n ity c r e d i t n e e d s . An institution in this group has a substantially deficient record of ascertaining and helping to meet the credit needs o f its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. B a n k /L oca tio a E x a m in a tio n D a te C R A R a tin g NONE NONE NONE APPLICATIONS BULLETIN (For the week ending February 1,1997) S E C T IO N I - A P P L IC A T IO N S S U B JE C T T O N E W S P A P E R N O T IC E O N L Y NONE S E C T IO N n - A P P L IC A T IO N S S U B JE C T T O B O T H N E W S P A P E R A N D F E D E R A L R E G IS T E R N O T IC E Received Section 3(a)(3) application from F.N .B . Corporation, Hermitage, Pennsylvania, and Southwest Banks, Inc., Naples, Florida, on January 24, 1997, to acquire West Coast Bancorp, Inc., Cape Coral, Florida. * Not Yet Known tf S E C T IO N H I - A P P L IC A T IO N S S U B JE C T T O F E D E R A L R E G IS T E R N O T IC E O N L Y NONE S E C T I O N IV - A P P L I C A T I O N S N O T S U B J E C T T O F E D E R A L R E G I S T E R N O T I C E O R N E W S P A P E R N O T IC E NONE * - Subject to CRA N - Newspaper Comment Period F - Federal Register Comment Period # - Expected to End 30 Days from Date o f Receipt AVAILABILITY OF CRA PUBLIC EVALUATIONS (January 31, 1997) The following state member banks have been examined by the Federal Reserve Bank o f Cleveland for compliance with The Community Reinvestment Act. A public evaluation document became available from the bank(s) listed below during the week ended January 31, 1997. If you are interested in obtaining a copy o f 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 o f its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. SATISFACTORY: a bank in this group has a satisfactory record o f ascertaining and helping to meet the credit needs o f its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. NEEDS TO IMPROVE: a bank in this group needs to improve its overall record o f ascertaining and helping to meet the credit needs o f its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. SUBSTANTIAL NON COMPLIANCE: a bank in this group has a substantially deficient record o f ascertaining and helping to meet the credit needs o f its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. The St. Henry Bank 231 East Main Street Saint Henry, OH 43883 Rating: Satisfactory Exam Date: 9-30-96 Disclosure: 1-28-97 RSSD#: 568126 Federal Reserve Bank of Richmond S e ctio n I - A p p lic a tio n s S u b ject t o N e w spap er N o t ic e O n ly Comment P e r i o d E n d in g D a t e Application C r e s t a r Bank, e s ta b lis h in V ienn a, a d riv e -in the B la ir V irg in ia , to branch f a c i l i t y P a rk S h o p p in g C e n t e r , 1330 E a s t - W e s t High w ay, S ilv e r Sprin g, M a ryla n d .* 2 -2 6 -9 7 Community Bank o f T r i - C o u n t y , M a r y la n d W ald orf, (th e p ro po sed s u c c e s s o r t o T r i-C o u n ty Federal W a ld o rf), S a v i n g s Bank o f f o r m embership i n the F e d e r a l R eserve S yste m .* S e ctio n Not y e t I I - A p p lic a tio n s S u b ject a v a ila b le . t o B oth Newspaper and Federal .Register. mtls.e A p p lica tio n Comment P e r i o d E n d in g D a t e N o tic e o f Change i n G e o r g e H. B ro a d rick w ith r e s p e c t F irst C itize n s R a leig h , C o n tro l BancShares, file d In c ., N orth C a r o lin a . 2-18 -9 7** N o tic e o f Change i n C o n t r o l G e o r g e H. B ro a d rick w ith r e s p e c t F i d e l i t y BancShares Fu qu ay-V arina, (N .C .), file d by to In c ., N orth C a r o lin a . T ri-C o u n ty F in a n c ia l W ald orf, by to M a r y la n d , 2 -18 -9 7** C o rp oratio n , t o become a bank h o l d i n g company t h r o u g h t h e a c q u i s i t i o n of Community Bank o f T r i - C o u n t y , M a r y la n d W ald orf, (th e proposed s u c c e s s o r t o T r i - C o u n t y F e d e r a l S a v i n g s Bank o f W a l d o r f ) . * Not y e t a v a ila b le . Section III - Applications Subject to Federal Register Notice A p p lica tio n Comment P e r i o d E n d in g D a t e None. ♦ A p p lica tio n is ♦ ♦ E x p ir a tio n o f su b je ct to CRA r e q u i r e m e n t s . comment p e r i o d a s S e c tio n s p e c ifie d in the Federal IV - A p p l i c a t i o n N o t S u b j e c t R egister. to F e d e r a l R e g i s t e r N o t i c e o r N e w sp ap er N o t i c e Application None. Federal Reserve Bank of Richmond S e ctio n V - A v a ila b i l i t y o f CRA P u b l i c E v a l u a t i o n s Week e n d i n g J a n u a r y 3 1 , D e fin itio n 19 9 7 o f R atin gs O u t s t a n d i n g r e c o r d o f m e e t i n g com m unity c r e d i t n e e d s . An i n s t i t u t i o n in th is g r o u p h a s an o u t s t a n d i n g r e c o r d o f , a s c e r t a i n i n g and h e l p i n g t o m eet t h e com m unity, siste n t in clu d in g w ith S a tisfa c to ry its its Needs t o its en tire and m o d e r a t e - i n c o m e n e i g h b o r h o o d s , in , d e lin e a te d i n a manner c o n r e s o u r c e s an d c a p a b i l i t i e s . in th is h e l p i n g t o m eet t h e w ith needs o f a le a d e r r e c o r d o f m e e t i n g comm unity c r e d i t n e e d s . An i n s t i t u t i o n in clu d in g lo w - cre d it an d i s lo w - group has a s a t i s f a c t o r y c r e d i t needs o f its en tire r e c o r d o f a s c e r t a i n i n g and d e l i n e a t e d com m unity, and m o d e r a t e - i n c o m e n e i g h b o r h o o d s , resources i n a manner c o n s i s t e n t and c a p a b i l i t i e s . im p r o v e r e c o r d o f m e e t i n g community c r e d i t n e e d s . An i n s t i t u t i o n ta in in g in th is and h e l p i n g comm unity, in clu d in g c o n s is te n t w ith its group needs t o im p r o v e i t s t o meet t h e c r e d i t n e e d s o f lo w - o ve ra ll its en tire record o f a s c e r d e lin e a te d and m o d e r a t e - i n c o m e n e i g h b o r h o o d s , i n a manner r e s o u r c e s and c a p a b i l i t i e s . S u b s t a n t i a l n o n c o m p li a n c e i n m e e t i n g community c r e d i t n e e d s . An i n s t i t u t i o n ta in in g in clu d in g its in t h is group has a s u b s t a n t i a l l y d e f i c i e n t and h e l p i n g t o m eet t h e c r e d i t n e e d s o f lo w - its and m o d e r a t e - i n c o m e n e i g h b o r h o o d s , en tire record o f a s c e r d e l i n e a t e d comm unity, i n a manner c o n s i s t e n t w i t h r e s o u r c e s and c a p a b i l i t i e s . Exam in ation ____ H ate___ None. Rating Federal Reserve Bank of Atlanta Applications Bulletin for Week Ending January 31. 1997 S e ctio n 1 - A p p lica tio n s S u b ject t o Newspap e r N o t i c e O n ly & B p lit3 ti9 n Comment P e r i o d E n d in g D a te AmSouth Bank o f Alabama B i rmingham, A1abama To merge w i t h AmSouth Bank o f F l o r i d a , o f th e F ed eral D e p o sit Insurance A c t . Not y e t Tampa, F lorid a, pursuant to AmSouth Bank o f Alabama Birmingham, Alabama To merge w i t h AmSouth Bank o f T e n n e s s e e , C h a t t a n o o g a , S e c t io n 18(c) o f the Fed eral D e p o sit Insurance A c t. AmSouth Bank o f Alabama Birmingham, Alabama To merge w i t h AmSouth Bank o f G e o r g i a , o f the Fed eral D e p o sit Insurance A c t . AmSouth Bank Birmingham, To merge w i t h 18(c) o f the o f Alabam a Alabama AmSouth Bank o f W a lk er C o u n ty , F e d eral D e p o sit In surance A c t . R e p u b l i c S e c u r i t y Bank West Palm B e ac h , F l o r i d a To merge w i t h F a m i l y Bank, H a l l a n d a l e , F e d e r a l D e p o s it In surance A c t . Not y e t G e o rgia , pursuant 18 (c) pursuant to a v a ila b le* to Not y e t S e ctio n a v a ila b le * Tennessee, Not y e t Rome, a v a ila b le * S ectio n 18(c) a v a ila b le* J a s p e r , Alabam a, p u r s u a n t t o S e c t i o n Not y e t F lo rid a, pursuant t o a v a ila b le * S ectio n 18 (c) o f the S e c t i o n 2 - A p p l i c a t i o n s S u b j e c t t o B o th Newspaper and F e d e r a l R e g i s t e r N o t i c e A p p lic a tio n Comment P e r i o d Ending D a te R egions F i n a n c i a l C o r p o r a tio n 02-25-97* Birmingham, Alabama Federal R egister To merge w i t h West C a r r o l l B a n c s h a r e s , I n c . , Oak G ro v e, L o u i s i a n a , and t h e r e b y d i r e c t l y a c q u i r e West C a r r o l l N a t i o n a l Bank o f Oak G ro v e , Oak G r o v e , L o u i s i a n a , p u r s u a n t t o S e c t i o n 3 ( a ) (5) o f t h e Bank H o l d i n g Company A c t . R egions F i n a n c i a l C o r p o r a tio n Birmingham, Alabama Not y e t a v a ila b le * To merge w i t h G u l f S o u th B a n c s h a r e s , I n c . , G r e t n a , L o u i s i a n a , and t h e r e b y d i r e c t l y a c q u i r e G u l f S o u th Bank and T r u s t Company, G r e t n a , L o u i s i a n a , p u r s u a n t t o S e c t i o n 3 (a ) (5) o f t h e Bank H o ld i n g Company A c t . ♦Subject to provisions of the Community Reinvestment Act. Federal Reserve Bank of Atlanta Applications Bulletin for Week Ending January 31, 1997 S ectio n 2 - A p p lic a tio n s S u b ject t o B o t h Newspaper and F e d e r a l R e g i s t e r N o t i c e A p p lic a tio n Comment P e r i o d E n d in g D a te H am ilto n B an c o rp , In c. Not y e t a v a ila b le * Miami, F l o r i d a Change in con trol n o t ific a t io n b y Mr. Eduardo A. M a s f e r r e r t o a c q u i r e an a d d i t i o n a l 9 . 3 1 p e r c e n t o f t h e o u t s t a n d i n g s h a r e s o f H a m ilto n B an co rp , I n c . , Miami, F l o r i d a . The a c q u i s i t i o n w i l l i n c r e a s e Mr. M a s f e r r e r ' s t o t a l o w n e r s h ip t o 15 .2 0 p e r c e n t. R ep u blic Bancshares, In c. Not y e t a v a i l a b l e * S t. P etersbu rg, F lo rid a To a c q u i r e F i r s t a t e F i n a n c i a l , F . A . , O r la n d o , F l o r i d a , and t h e r e b y e n g a g e i n o p e r a tin g a s a v in g s a s s o c ia t io n , pursuant to S e c tio n 2 2 5 .2 5 (b )(9 ) o f R e g u la tio n Y and S e c t i o n 4 ( c ) (8) o f t h e Bank H o l d i n g Company A c t . W h itn ey H o l d i n g C o r p o r a t i o n Not y e t a v a i l a b l e * New O r l e a n s , L o u i s i a n a To merge w i t h M e rc h a n ts B a n c s h a r e s , In c ., G u lfp ort, M is s is s ip p i, and t h e r e b y d i r e c t l y a c q u i r e M erch a n ts Bank & T r u s t Company, G u l f p o r t , M i s s i s s i p p i , p u r s u a n t t o S e c t i o n 3 ( a ) (5) o f t h e Bank H o ld i n g Company A c t . W h itn ey H o l d i n g C o r p o r a t i o n New O r l e a n s , L o u i s i a n a To acq u ire W h itn ey N a tion al Bank (i n o r g a n i z a t i o n ) , p u r s u a n t t o S e c t i o n S ectio n Ap p l i c a t i o n 3 - A p p lica tio n s Not y e t a v a ila b le * of M ississip p i, G u lfp ort, M ississip p i 3 ( a ) (3) o f t h e Bank H o ld i n g Company A c t . S u b ject to F e d e r a l R e g i s t e r O n ly Comment P e r i o d E n d in g D a te B a r n e t t Banks, I n c . Not y e t a v a i l a b l e J a c k s o n v ille , F lo rid a To a c q u i r e O x fo r d R e s o u r c e s C o r p . , M e l v i l l e , New Yo rk, and t h e r e b y e n g a g e i n consumer f i n a n c e and l e a s i n g p e r s o n a l o r r e a l p r o p e r t y o r a c t i n g a s a g e n t , b r o k e r o r a d v i s e r i n l e a s i n g su c h p r o p e r t y , p u r s u a n t t o S e c t i o n s 2 2 5 . 2 5 ( b ) ( 1 ) ( i ) and 2 2 5 . 2 5 ( b ) (5) o f R e g u l a t i o n Y and S e c t i o n 4 ( c ) (8) o f t h e Bank H o ld i n g Company A c t . S e c t i o n 4 - A p p l i c a t i o n s Not S u b j e c t t o F e d e r a l R e g i s t e r N o t i c e o r Newspaper N o t i c e A p p lic a tio n R epu blic S e c u r i t y F i n a n c i a l C o rp o ra tio n West Palm B e ac h , F l o r i d a R e q u e st f o r w a i v e r o f t h e a p p l i c a t i o n r e q u ir e m e n t o f S e c t i o n 3(a) (3) H o ld i n g Company A c t t o a c q u i r e F a m i ly Bank, H a l l a n d a l e , F l o r i d a . ♦Subject to provisions of the Community Reinvestment Act. of t h e Bank Federal Reserve Bank of .Atlanta Applications Bulletin for Week Ending January 31, 1997 Section ip -.Availability o£ CRA .Pwhli<?,JSvaluatj-Qoa The CRA p u b l i c e v a l u a t i o n s o f t h e in s u r e d d e p o s i t o r y i n s t i t u t i o n s l i s t e d belo w became a v a i l a b l e d u r i n g t h i s week. In fo r m a tio n ab ou t an i n s t i t u t i o n s CRA e v a l u a t i o n may be o b t a i n e d d i r e c t l y from the i n s t i t u t i o n . In c o n n e c t i o n w i th t h e a s s e s s m e n t o f an i n s t i t u t i o n s CRA perform ance, a r a t i n g i s a s s i g n e d from t h e f o llo w in g groups: O u t s t a n d i n g r e c o r d o f m e e t i n g community c r e d i t needs: An i n s t i t u t i o n has an o u t s t a n d i n g r e c o r d o f , and i s a l e a d e r in , a s c e r t a i n i n g and h e l p i n g t o meet th e c r e d i t needs o f i t s e n t i r e d e l i n e a t e d community, i n c l u d i n g lo w - and moderateincome n e ig h b o r h o o d s , i n a manner c o n s i s t e n t w i t h i t s r e s o u r c e s and c a p a b i l i t i e s . S a t i s f a c t o r y r e c o r d o f m e e t i n g community c r e d i t n e ed s: An i n s t i t u t i o n has a s a t i s f a c t o r y r e c o r d o f a s c e r t a i n i n g and h e l p i n g t o meet t h e c r e d i t n e ed s o f i t s e n t i r e d e l i n e a t e d community, i n c l u d i n g low- and m oderate-inco m e n e ig h b o r h o o d s , i n a manner c o n s i s t e n t w i t h i t s r e s o u r c e s and c a p a b i l i t i e s . Needs t o improve r e c o r d o f m e e t in g community c r e d i t n e e d s : An i n s t i t u t i o n needs t o improve i t s o v e r a l l r e c o r d o f a s c e r t a i n i n g and h e l p i n g t o meet t h e c r e d i t needs of its en tire d e lin ea ted community, in clu d in g lo w and m oderate-incom e n e ig h b o r h o o d s , i n a manner c o n s i s t e n t w i th i t s r e s o u r c e s and c a p a b i l i t i e s . S u b s t a n t i a l noncom pliance i n m e e tin g community c r e d i t n e e d s : An i n s t i t u t i o n has a s u b s t a n t i a l l y d e f i c i e n t r e c o r d o f a s c e r t a i n i n g and h e l p i n g t o meet t h e c r e d i t needs o f i t s e n t i r e d e l i n e a t e d community, i n c l u d i n g lo w - and m oderate-incom e n e ig h b o r h o o d s , i n a manner c o n s i s t e n t w i t h i t s r e s o u r c e s and c a p a b i l i t i e s . Bank C£A..,R a t i n g C e n t r a l S t a t e Bank P o s t O f f i c e Box 180 C a l e r a , Alabama 35040 ( 2 0 5 )6 6 8 -0 7 1 1 Outstanding 0 9 -3 0 -9 6 P o i n t e Bank 1 West Flamingo D r i v e Pembroke P i n e s , F l o r i d a 33207 (3 0 5)4 37-22 65 S a tisfa cto ry 10 -0 7-96 T r a n s A t l a n t i c Bank 48 E a s t F l a g l e r S t r e e t Miami, F l o r i d a 3 3 1 3 1 (305)377-0200 S a tisfa cto ry 1 0 -0 8 -9 6 D a te Federal Reserve Bank of Atlanta Applications Bulletin for Week Ending January 31. 1997 R e c e n t l y Appro ved A p p l i c a t i o n s A p p r o v a l Date The P e o p l e s Bank & T r u s t Company Selm a, Alabama To e s t a b l i s h a b ra n c h l o c a t e d a t 3791 Highway 14 , RBC, I n c . D e m o p o lis, Alabama N o t i c e f o r 1-BHC fo r m a tio n , 0 1-2 7-9 7 M illb ro ok , Alabama. 01-29 -97 R obertson Banking Company, D em o po lis, Alabam a. Compass B a n c s h a r e s , In c . 0 1-30 -9 7 Birmingham, Alabama A lo n g w i t h Compass Banks o f T e x a s, In c ., Birmingham, Alabama, and Compass B a n c o r p o r a t i o n o f T e x a s, I n c . , W ilm ington, D e la w a re , t o a c q u i r e H o rizon Bancorp, I n c . , A u s t i n , T e x a s , and i t s s u b s i d i a r y , H o rizon Bank & T r u s t , SSB, A u s t i n , T e x a s , and t h e r e b y en g a g e i n o p e r a t i n g a s a v i n g s a s s o c i a t i o n , pursuant t o S e c t io n 2 2 5 . 2 5 (b) (9) o f R e g u l a t i o n Y and S e c t i o n 4 ( c ) (8) o f t h e Bank H o ld in g Company A c t . S un Trust Bank, A t l a n t a 0 1-30 -9 7 A t l a n t a , G e orgia To e s t a b l i s h a b ra n c h l o c a t e d a t 2698 Bufo rd Highway, D u lu t h , G e o r g i a , t o be known as t h e D u lu t h S t a t i o n Branch. Su n T ru st Bank, A t l a n t a 0 1-3 0 -9 7 A t l a n t a , G e orgia To e s t a b l i s h a b ra n c h l o c a t e d a t 108 P a v i l l i o n Parkway, F a y e t t e v i l l e , G e o r g i a , be known a s t h e F a y e t t e P a v i l l i o n Branch. S u n T ru st Bank, A t l a n t a A t l a n t a , G e orgia To e s t a b l i s h a bra n c h l o c a t e d a t 7535 Highway 85, as t h e R i v e r d a l e C r o s s i n g Branch. 0 1-3 0 -9 7 R iv e r d a le , G e orgia , S u n T ru st Bank, A t l a n t a A t l a n t a , G eorgia To e s t a b l i s h a b ra n c h l o c a t e d a t 7899 Tara B o u le v a r d , known a s J o n e sb o ro Corners Branch. S un Trust Bank, A t l a n t a A t l a n t a , G eorgia To e s t a b l i s h a bra n c h l o c a t e d a t known a t t h e Mount Zion Branch. to t o be known 0 1-30 -9 7 J o n e sb o ro , G e orgia , t o be G e orgia , to be G e orgia , to be 0 1-30 -9 7 2035 Mount S un Trust Bank, A t l a n t a A t l a n t a , G e orgia To e s t a b l i s h a b ra n c h l o c a t e d a t 3316 known a s t h e Co sby S t a t i o n Branch. Z io n Road, Morrow, 0 1-30 -9 7 Highway 5, D o u g la sv ille , S u n T ru st Bank, A t l a n t a 0 1-30 -9 7 A t l a n t a , G e o r g ia To e s t a b l i s h a bra n ch l o c a t e d a t 2900 P e a c h t r e e Road, NE, A t l a n t a , G e o r g ia , known a s The Peach Branch. SunTrust Bank, A t l a n t a A t l a n t a , G eorgia To e s t a b l i s h a branch l o c a t e d a t 4403 Townlake Parkway, known a s Rose C r ee k Branch. t o be 0 1-30 -9 7 Townlake, G e orgia , t o be Federal Reserve Bank of Atlanta Applications Bulletin for Week Ending January 31. _13£Z Approval-DaLS R e c e n t l y Approved A p p l i c a t i o n s S u n T ru st Bank, A t l a n t a 0 1-3 0 -9 7 A t l a n t a , G e o r g ia To e s t a b l i s h a branch l o c a t e d a t 2173 Hamilton M i l l Parkway, D a c u l a , be known as t h e H am ilton M i l l Branch. S un Trust Bank, A t l a n t a A t l a n t a , G e o r g ia To e s t a b l i s h a b ra n c h l o c a t e d a t 1910 Highway 20, known as t h e R o c k d a le Square Branch. S u n T ru st Bank, A t l a n t a A t l a n t a , G e o r g ia To e s t a b l i s h a b ra n c h l o c a t e d a t known as t h e Hugh Howell Branch. G e o r g ia , to 0 1-3 0 -9 7 SE, Conyers, G eorgia , t o be G eorgia , t o be 0 1-3 0 -9 7 4422 Hugh Howell Road, Tucker, S un Trust Bank, A t l a n t a 0 1-3 0 -9 7 A t l a n t a , G e o r g ia To e s t a b l i s h a branch l o c a t e d a t 6 13 1 S. N o r c r o s s - T u c k e r Road, N o r c r o s s , t o be known as t h e N o r c r o s s T u c k er Branch. G e o r g ia , Sun Trust Bank, A t l a n t a 0 1-3 0 -9 7 A t l a n t a , G e o r g ia To e s t a b l i s h a branch l o c a t e d a t 2455 Cumberland Parkway, A t l a n t a , G e o r g i a , known as P a ces F e r r y C e n t e r Branch. t o be Sun Trust Bank, A t l a n t a 0 1-3 0 -9 7 A t l a n t a , G e o r g ia To e s t a b l i s h a branch l o c a t e d a t 1544 Piedmont Road, A t l a n t a , G e o r g i a , t o be known a s t h e A n s l e y M a ll Branch. Sun Trust Bank, A t l a n t a 0 1-3 0 -9 7 A t l a n t a , G e o r g ia To e s t a b l i s h a branch l o c a t e d a t 50 B a r r e t Parkway, M a r i e t t a , G e o r g i a , t o be known a s t h e Town C e n t e r Prado Branch. S un Trust Bank, A t l a n t a A t l a n t a , G e o r g ia To e s t a b l i s h a branch l o c a t e d a t 6300 Powers F e r r y Road, known as Powers F e r r y V i l l a g e Branch. S un Trust Bank, A t l a n t a A t l a n t a , G e o r g ia To e s t a b l i s h a bra n ch l o c a t e d a t 4430 Wade Green Road, known as Wade Green V i l l a g e Branch. 0 1-3 0 -9 7 A tla n ta , G eorgia , t o be G e or gia , t o be 01-3 0 -9 7 Kennesaw, Sun Trust Bank, A t l a n t a 01-3 0 -9 7 A t l a n t a , G e o r g ia To e s t a b l i s h a bra n ch l o c a t e d a t 1 1 5 8 5 Jones B r id g e Road, A l p h a r e t t a , G e o r g ia , be known as A d d o t t s V i l l a g e Branch. to Th Bancshares, Inc. Jennings, Louisiana 1-BHC formation, Th Bank, Jennings, Louisiana. 0 1-3 0 -9 7 Whitney H o l d i n g C o r p o r a t i o n New O r l e a n s , L o u i s i a n a To merge w i t h F i r s t N a t i o n a l B an ksh ares, I n c . , d i r e c t l y a c q u i r e F i r s t N a t i o n a l Bank o f Houma, S e c t i o n 3 (a ) (5) o f t h e Bank Holding Company A c t . 0 1-30 -9 7 Houma, Houma, L o u isia n a , L o u isia n a , and t h e r e b y pursuant t o Federal Reserve Bank of Chicago Section I - Applications Subject to Newspaper Notice Only Comment Period Type Application Ending Date Branch Royal American Bank Inverness, Illinois One Tiffany Pointe Bloomingdale, Illinois NP -1-31-97 Merger & Branch La Salle State Bank La Salle, Illinois Community Bank of Utica Utica, Illinois 100 Mill Street Utica, Illinois NP - 2-3-97 Branch ISt Source Bank South Bend, Indiana 2900 South State Street St. Joseph, Michigan NP - 2-10-97 NP - Newspaper FR - Federal Register * - Subject to Provisions of Community Reinvestment Act ** - Not available at this time Federal Reserve Bank of Chicago Section II - Applications Subject to Both Newspaper and Federal Register Notice Cont’d Comment Period Ending Date Type Application COC-HC Antioch Holding Company Antioch, Illinois By Randolph S. Miles FR - 2-20-97 jsjp - ** 3(a)(1) AliKat Investments, Inc.* Gurnee, Illinois NorthSide Community Bank Gurnee, Illinois (in organization) FR - 3-03-97 _ ** 3(a)(3) Blackhawk Bancorp, Inc.* Beloit, Wisconsin Rochelle Bancorp, Inc. Rochelle, Illinois Rochelle Savings Bank, S.B. Rochelle, Illinois PR . ** NP - ** COC-HC Gilman Investment Company Montezuma, Iowa By Todd E. Arendt & Revocable of Angela D. Hulin FR - 2-4-97 NP -1-24-97 3(a)(1) Vanderbilt Holding Company, Inc.* Fairfax, Iowa Fairfax State Savings Bank Fairfax, Iowa agreement FR -1-24-97 NP - 3-01-97 Federal Reserve Bank of Chicago Section II - Applications Subject to Both Newspaper and Federal Register Notice Cont’d Comment Period Ending Date lype Application 3(a)(1) County Bancorp, Inc.* Manitowoc, Wisconsin Investors Community Bank Manitowoc, Wisconsin (in organization) FR -1-27-97 NP -1-6-97 3(a)(1) The Connor Trusts* Marshfield, Wisconsin Pioneer Bancorp, Inc. Aubumdale, Wisconsin Pioneer State Bank Aubumdale, Wisconsin FR - 2-28-97 NP - 2-24-97 3(a)(1) Pioneer Bancorp, Inc.* Abumdale, Wisconsin Pioneer State Bank Aubumdale, Wisconsin FR - 2-28-97 NP - 2-24-97 3(a)(1) Brickyard Bancorp, Inc.* Northbrook, Illinois Sysco Financial, Inc. Lincolnwood, Illinois Brickyard Bank Lincolnwood, Illinois FR - 2-14-97 NP - 2-18-97 3(a)(3) First Financial Bancorporation* Iowa City, Iowa West Branch Bancorp, Inc. West Branch, Iowa West Branch State Bank West Branch, Iowa FR - 2-3-97 NP - 2-1-97 COC-HC La Salle Bancorp, Inc. La Salle, Illinois By S.C. Investment, L.P., Gerald F. Fitzgerald, Jr., Julie F. Schauer, Thomas G. Fitzgerald, Otis Road Investment, L.P. FR - 2-4-97 NP - 2-6-97 Federal Reserve Bank of Chicago Section II - Applications Subject to Both Newspaper and Federal Register Notice Cont’d 3(a)(1) Damen Financial Corporation* Schaumburg, Illinois Damen National Bank Schaumburg, Illinois FR - 2-7-97 NP - 2-2-97 3(a)(3) Firstbank of Illinois Co. * Springfield, Illinois BanCentral Corporation Champaign, Illinois Central National Bank of Mattoon Mattoon, Illinois FR - 2-14-97 NP - ** 3(a)(1) First Equity Corp.* Skokie, Illinois 1st Equity Bank Skokie, Illinois (in organization) F R -2-27-97 NP - 2-23-97 Federal Reserve Bank of Chicago Section III - Applications Subject to Federal Register Notice Only cont’d Comment Period Ending Date lype Application 4(c)(8) Vermilion Bancorp, Inc. Danville, Illinois To engage de novo in the activity of lending funds to the ESOP and making and servicing loans. FR - 2-11-97 4(c)(8) Blackhawk Bancorp, Inc. Beloit, Wisconsin Midland Acceptance Corporation Rochelle, Illinois FR - ** Section IV - Applications Not Subject to Federal Register or Newspaper Notice lype Application ROS La Salle Bancorp, Inc. La Salle. Illinois To redeem 16,472 shares of outstanding common stock ROS Halbur Bancshares, Inc. Halbur, Iowa To redeem 1,927.5 or 50% of its outstanding common stock Federal Reserve Bank of Chicago Section V - Availability of CRA Public Evaluations The following state member banks have been examined by the Federal Reserve Bank o f Chicago for compliance with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed during the week ending January 31, 1997. If you are interested in obtaining a copy o f the evaluation document, please contact the bank(s) directly. Identification o f 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 o f its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. NI - An institution in this group has a needs to improve its overall record of ascertainingand helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. SN - An institution in this group has a substantial noncompliance record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilies. BANK NAME/LOCATION EXAMINATION DATE RATINGS F&M Bank-Lancaster 302 South Madison Street Lancaster, Wisconsin 53813-1640 (608) 723-2191 9/30/96 O First State Bank o f Bourbon, Indiana 101 West Center P.O. Box 4 Bourbon, Indiana 46504-0004 (219) 342-2415 9/30/96 S West Chester Savings Bank 1060 West Monroe Street P.O. Box 517 Washington, Iowa 52353-0517 (319) 653-2265 10/07/96 S Federal Reserve Bank of St. Louis FOR THE W EEK ENDING JANUARY 3 1 ,1 9 9 7 SECTION I - APPLICATIONS SUBJECT TO NEW SPAPER NO TICE Application End of Comment Period ♦Section 3(a)(1) notification by Liberty Bancshares, Inc., Alton, Illinois, to acquire Liberty Bank, Alton, Illinois. 2-18-97 SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE Application End of Comment Period * Section 3(a)(5) application by First Commercial Corporation, Little Rock, Arkansas, to merge with Southwest Bancshares, Inc., Jonesboro, Arkansas. Newspaper: 2-25-97 SECTION III - APPLICATIONS SUBJECT TO FEDERAL R EG ISTER NOTICE Application End o f Com m ent Period None. SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR N EWSPAPER NOTICE Application None. * This application/notification is subject to CRA. End o f Com m ent Period FED ER A L RESERVE BA N K OF ST. LO U IS FOR THE WEEK ENDING January 31, 1997 SECTION V - AVAILABILITY OF CRA PUBLIC DISCLOSURES Identification o f Ratines: 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 o f its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Needs to improve record 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 o f its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Name o f Bank Mone Bank Address Examination Examination Date Rating F E D E R A L R E S E R V E BANK O F M IN N E A P O L IS Section I - Applications Subject to Newspaper Notice Only Comment Period Ending Date Application NONE. F E D E R A L R E S E R V E BANK O F M IN N E A P O L IS Section II - Applications Subject to Both Newspaper and Federal Register Notice Comment Period Ending Date Application Trimont Bancorporation, Inc., Trimont, Minnesota for prior approval to acquire 24% of the voting shares of the Financial Services of Winger, Inc., Winger, Minnesota. * Not yet available Fanners State Financial Corp., Victor, Montana to engage d e n o v o in operating a savings association through the acquisition of Fanners State Bank, fsb, Stevensville, Montana, a d e n o vo federal savings bank. Not yet available •Subject to CRA F E D E R A L R E S E R V E BANK O F M IN N E A P O L IS Section III - Applications Subject to Federal Register Notice Only Comment Period Ending Date Application NONE. F E D E R A L R E S E R V E BANK O F M IN N E A P O L IS Section IV - Applications Not Subject to Federal Register Notice or Newspaper Notice Application Community First Bankshares, Inc., Fargo, North Dakota, to engage in general insurance agency activities through the acquisition of the assets of Lakefield Agency, Lakefield, Minnesota. FEDERAL RESERVE BANK OF MINNEAPOLIS Section V - Availability of CRA Public Evaluations week ending January 31,1997 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 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. BANKtSI EXAMINED DATE OF EXAMINATION CRA RATING Central Savings Bank 511 Bingham Avenue, Box 339 Sault Ste. Marie, MI 49783 (906) 635-6250 October 8,1996 Satisfactory First American Bank Valley 3100 South Columbia Road P.O.Box 13118 Grand Forks, ND 58208-3118 (701)772-5551 October 21,1996 Outstanding KANSAS C ITY RESERVE BANK APPLICATIONS AND REPORTS RECEIVED During the week ending January 31, 1997 SECTION I - APPLICATIONS S U B JE C T TO NEWSPAPER N O TICE O N LY APPLICATION COM M ENT PERIOD ENDING D A TE None. SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE APPLICATION COM M ENT PERIOD ENDING D A TE None. SECTION III - APPLICATIONS S U B JEC T TO FEDERAL REGISTER N O TICE ONLY APPLICATION COM M ENT PERIOD ENDING D A TE None. SECTION IV - APPLICATIONS N O T SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE APPLICATION None. SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIO N S 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 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 CRA Public CRA Exam Date Date Rating The State Bank 10-28-96 P.O. Box 539 Winfield, Kansas 67156-0539 “Application is subject to CRA. 01-29-97 Outstanding FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN A P P LIC A T IO N S AND N O T IF IC A T IO N S F I L E D DURING THE WEEK O F JA N U A R Y 2 7 . 1997 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY A P P LIC A T IO N N O T IC E EXP None. SECTION II • APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE A P P LIC A T IO N Change in C o n tro l by M ichael A . M y e rs , D a l l a s , T X , t o a c q u ire an i n t e r e s t in Myers B a n c sh a re s, I n c . , D a l l a s , TX * * N O T IC E EXP * N /A ♦ S e ctio n 3 ( a ) ( 1 ) a p p lic a t io n by Krum H o ld in g s , L . L . C . , Krum , T X . t o a c q u ire P o r te r H o ld in g s , L t d . , Krum , T X , and Farm ers and M erchants S t a t e B an k, Krum, TX N /A ♦ S e ctio n 3 ( a ) ( 1 ) a p p lic a t io n by P o r te r H o ld in g s , L t d . , Krum, T X , t o a c q u ire Farm ers and M erchants S t a t e B a n k, Krum, TX N /A ♦ S ection 3 ( a ) ( 1 ) a p p lic a t io n by E a g le B a n c sh a re s, I n c . , F a i r f i e l d , T X , t o a c q u ire F a i r f i e l d H o ld in g s , I n c . , F a i r f i e l d , T X , and F i r s t N a tio n a l Bank o f F a i r f i e l d . F a i r f i e l d , TX N /A ♦ S e ctio n 3 ( a ) ( 1 ) a p p lic a t io n by F a i r f i e l d H o ld in g s , I n c . , F a i r f i e l d , T X . t o a c q u ire F i r s t N a tio n a l Bank o f F a i r f i e l d , F a i r f i e l d , TX N /A SECTION III - APPLICATIONS SUBJECT TO EEDEML_REfiISIER NOTICE ONLY NOTIC E EXP A P P L IC A T IO N None. SECTION,I V -APPLICATIONS NOT SUBJECT I Q . FEQERAL-REGISTERJIQIICE OR NEWSPAPER NOTICE A P P L IC A T IO N None. * S U B JE C T TO C RA. * * E X P IR A T IO N D ATE IS THE DATE S P E C IF IE D IN TH E NEWSPAPER N O TIC E O N LY . N /A - NOT A V A IL A B L E A T T H IS T IM E . SECI.IQii .V-: A VAILABILITY OF CRA PUBLIC EVALUATIONS FOR THE MEEK OF JANUARY 27. 1997 O u ts ta n d in g re c o rd o f m eeting community c r e d it needs. An i n s t i t u t i o n in t h i s group has an o u ts ta n d in g re c o rd o f , and i s a le a d e r i n , a s c e r ta in in g and h e lp in g t o meet th e c r e d i t needs o f i t s e n t i r e d e lin e a te d com m unity, in c lu d in g lo w - and m o d e ra te -in co m e n e ig h b o rh o o d s , in a manner c o n s is te n t w ith i t s re s o u rc e s and c a p a b ilitie s . S a t i s f a c t o r y re c o rd o f m eeting community c r e d it needs. An i n s t i t u t i o n in t h i s g roup has a s a t i s f a c t o r y re c o rd o f a s c e r ta in in g and h e lp in g t o meet th e c r e d i t needs o f i t s e n t i r e d e lin e a te d com m unity, in c lu d in g lo w - and m oderate-incom e n e ig h b o rh o o d s, in a manner c o n s is te n t w ith i t s re so u rc e s and c a p a b i l i t i e s . Needs t o Im prove re c o rd o f m eeting community c r e d it needs. An i n s t i t u t i o n in t h i s group need t o im prove i t s o v e r a l l re c o rd o f a s c e r ta in in g and h e lp in g t o meet th e c r e d it needs o f i t s e n t i r e d e lin e a te d com m unity, in c lu d in g low - and m oderate-incom e n e ig h b o rh o o d s , in a manner c o n s is te n t w ith i t s resources and c a p a b i l i t i e s . S u b s ta n tia l Noncom pliance in m eeting community c r e d it n e e d s. An i n s t i t u t i o n in t h i s group has a s u b s t a n t i a l l y d e f i c i e n t re c o rd o f a s c e r ta in in g and h e lp in g t o meet th e c r e d it needs o f i t s e n t i r e d e lin e a te d com m unity, in c lu d in g lo w - and m oderate-incom e n e ig h b o rh o o d s , in a manner c o n s is te n t w ith i t s resources and c a p a b i l i t i e s . Bank None. D ate o f Exa m in a tio n CRA Rating FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN A P P LIC A T IO N S AND N O T IFIC A T IO N S APPROVED DURING TH E WEEK O F JANUARY 2 7 . 19 9 7 A P P L IC A T IO N mE S e c tio n 9 A p p l i c a t i o n by W e llin g to n S t a t e B a n k, W e llin g to n . TX t o e s t a b l i s h a bran ch a t 105 N .. 5 th S t . . C a n a d ia n . TX 79014 9 7/0 1/2 7 S e c tio n 3 ( a ) ( 1 ) A p p lic a t io n by C o a s ta l Bend B a n c sh a re s, I n c . . A l i c e , T X , t o a c q u ire Buckeye B a n c s h a re s . I n c . , D o v e r, D E , and F i r s t Community B a n k, N . A . , A l i c e , TX 9 7/0 1/2 8 S e c tio n 3 ( a ) ( 1 ) A p p lic a t io n by Buckeye B a n c s h a re s . I n c . , D o v e r, D E . t o a c q u ire F i r s t Community B a n k, N . A . . A l i c e . TX 9 7 / 0 1/ 2 8 FEDERAL RESERVE BANK OF SAN FRANCISCO Week e n d in g 1 / 3 1 / 9 7 S e c tio n I - A p p lic a t io n s S u b je c t t o Newspaper N o tic e O n ly A p p lic a t io n Comment P e r io d E n d in g D ate U . S . Bank o f U ta h , S a l t La k e C i t y , U ta h , t o e s t a b lis h branch o f f i c e s a t th e Su p erTAR G ET s t o r e s , lo c a te d in Orem and R i v e r d a l e , U ta h . * New spaper: 2/10 /9 7 S e c tio n I I - A p p lic a tio n s S u b je c t t o B o th Newspaper and Fe d e ra l R e g is te r N o tic e U . S . B a n c o rp , P o r t l a n d , O re g o n , t o a c q u ire Bu sine ss & P r o fe s s io n a l B a n k, W oodland, C a lifo r n ia . * S e c tio n I I I New spaper: N o t a v a ila b le F e d . R e o .: 3 /0 3 /9 7 - A p p lic a t io n s S u b je c t t o F f f i r a l R e g is t e r O n ly P h i l i p p i n e Commercial I n t e r n a tio n a l B a n k , M a n ila , P h i l i p p i n e s , t o expand th e g e o g ra p h ic scope o f i t s money t r a n s m i t t e r s e r v ic e s th ro u g h PCI Ex p re s s P a d a la , I n c . , Los A n g e le s , C a l i f o r n i a . E e i L R e a .: N o t a v a ila b le Regency B a n c o rp , F r e s n o , C a l i f o r n i a , t o a c q u ire Regency In v e s tm e n t A d v is o r s , F r e s n o , C a l i f o r n i a . E f i f L R e g .; N o t a v a ila b le S e c tio n IV - A p p lic a tio n s N o t S u b je c t t o Fe d e ra l R e g is t e r N o tic e o r Newspaper N o tic e None * S u b je c t t o CRA. FEDERAL RESERVE BANK OF SAN FRANCISCO Week en d in g 1 / 3 1 / 9 7 S e c tio n V - A v a i l a b i l i t y o f CRA P u b lic E v a lu a tio n s Th e CRA p u b lic e v a lu a tio n s o f th e i n s t i t u t i o n ( s ) below became a v a i l a b l e d u r in g t h i s w eek. In fo r m a tio n a bout a p a r t i c u l a r i n s t i t u t i o n 's CRA e v a lu a tio n may be o b ta in e d d i r e c t l y fro m th e i n s t i t u t i o n . R a tin a * In s titu tio n Lo c a tio n Am erican West Bank 16861 V entura B l v d . PO Box 20037 E n c in o , CA 9 14 16 -0 0 3 7 (8 18 ) 50 1-226 5 9/30/96 S a tis fa c to ry Barnes B a n kin g Company 33 South Main P0 Box 207 K a y s v i l i e , UT 8 40 3 7-0 2 0 7 (8 0 1) 544-3424 9/30/96 S a tis fa c to ry American P a c i f ic Bank 112 Main PO Box 350 A u m s v ille , OR 97325-0350 (503) 74 9 -12 0 0 Examination Date 9/30/96 *U n d e r th e r a t i n g system an i n s t i t u t i o n ’ s CRA perform ance i s f o llo w in g f o u r r a t i n g s : Needs t o Im p ro ve a ssig n e d one o f th e O u ts ta n d in g re c o rd o f m eeting community c r e d i t n eed s: An i n s t i t u t i o n has an o u ts ta n d in g record o f , and is a leader i n , a s c e r ta in in g and h e lp in g t o meet th e c r e d i t needs o f i t s e n t i r e d e lin e a te d com m unity, in c lu d in g lo w - and m o d e ra te -in co m e n e ig h b o rh o o d s , in a manner c o n s is te n t w ith i t s re so u rce s and c a p a b i l i t i e s . S a t i s f a c t o r y re c o rd o f m eeting community c r e d i t n eed s: An i n s t i t u t i o n has a s a t i s f a c t o r y re c o rd o f a s c e r ta in in g and m ee tin g th e c r e d i t needs o f i t s e n t i r e d e lin e a t e d com m un ity, in c lu d in g low - and m oderate-incom e n e ig h b o rh o o d s , in a m anner c o n s is te n t w ith i t s resources and c a p a b i l i t i e s . Needs t o Im p ro ve re c o rd o f m eeting com m unity c r e d i t n eed s: An i n s t i t u t i o n needs t o im prove i t s o v e r a ll record o f a s c e rta in in g and h e lp in g t o meet th e c r e d i t needs o f i t s e n t i r e d e lin e a te d com m unity, in c lu d in g lo w - t o m oderate-incom e n e ig h b o rh o o d s , i n a manner c o n s is te n t w ith i t s resources and c a p a b i l i t i e s . S u b s t a n t ia l Noncom pliance in m eeting com m unity c r e d i t n e e d s: An i n s t i t u t i o n has a s u b s t a n t ia lly d e f i c ie n t record o f a s c e rta in in g and h e lp in g t o meet th e c r e d i t needs o f i t s e n t i r e d e lin e a te d com m unity, in c lu d in g lo w - t o m oderate-incom e n e ig h b o rh o o d s , in a manner c o n s is t e n t w ith i t s resources and c a p a b i l i t i e s . The above l i s t i n g has been p re p a re d as a c o u rte s y by th e F e d e r a l R e s e rv e Bank o f San F r a n c i s c o , and i s n o t in te n d e d t o re p la c e form al n o tic e s r e q u ir e d by s t a t u t e o r r e g u l a t io n ; th e R e s e rve Bank assumes no r e s p o n s i b i l i t y f o r e r r o r s o r o m is s io n s .
@FedFRASER