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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
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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

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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)( ) application to
3
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

t
f

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 . w l < , S a u t - o
Phi?JvlajQa
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

lp
ye

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.
Bank Address

Mone




Examination

Examination

Date

Name o f Bank

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 I • APPLICATIONS SUBJECT TO BOTH
I
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 I I - APPLICATIONS SUBJECT TO EEDEML_REfiISIER
I
NOTICE ONLY
N O T I C 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
E x a m i n a t i o n D a t e 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

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 .




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