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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H.2, 1992, No. 7
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending February 15, 1992

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

REGULATIONS AND POLICIES
Monetary policy report to Congress.
Authorized# February 12# 1992.
BANK HOLDING COMPANIES
Australia and New Zealand Banking Group Limited#
Melbourne# Australia — to engage in full-service
brokerage# financial advisory# and loan marketing
activities through ANZ McCaughan Securities (USP )
Inc.# New York# New York.
Approved# February 10# 1992.
BankAmerica Corporation# San Francisco* California —
and Nevada First Development Corporation# Las
Vegas# Nevada — to acquire Valley Capital
Corporation# and its banking and nonbanking
subsidiaries.
Approved# February 12# 1992.
Norwest Corporation# Minneapolis# Minnesota —
acquire Norwest Bank Waseca# N.A.# Waseca#
Minnesota.
Approved# February 12# 1992.

to

Society Corporation# Cleveland# Ohio — to merge with
Ameritxust Corporation# and acquire its banking and
nonbanking subsidiaries.
Approved# February 12# 1992.
REGULATIONS AND POLICIES




Regulations 0 and Y — revisions to conform the
regulations to amendments to the Federal Reserve
Act contained in the Federal Deposit Insurance
Corporation Improvement Act of 1991.
Proposed# February 12# 1992.

H.2
FEBRUARY 10, 1992
PAGE 2

TO

FEBRUARY 14, 1992

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
ABBREVIATIONS: BS&R - Banking Supervision and Regulation; C&CA - Consumer and
Community Affairs; FOMC - Federal Open Market Committee; FRBO - Federal Reserve
Bank Operations; IF - International Finance; OSDM - Office of Staff Director
for Management
BANK BRANCHES, DOMESTIC
Chicago

Comerica Bank - Detroit, Detroit, Michigan — to
establish branches at the northeast corner cf Grand
River and Grand Oak, Genoa Township; and the
southeast corner of Dequindre and 12 Mile Road,
Warren, Michigan.
Approved, February 11, 1992.

Chicago

1st Source Bank, South Bend, Indiana — to establish
a branch at 2020 East Bristol Street, Elkhart,
Indiana.
Approved, February 14, 1992.

BANK HOLDING COMPANIES




Atlanta

CBS Bancshares, Inc., Spencer, Tennessee — to
acquire First State Bank, Maynardsville, Tennes^e.
Approved, February 11, 1992.

Atlanta

First Autauga Bancshares, Inc., Montgomery, Alabama - to acquire Cee Bee Corporation, Prattville,
Alabama, and Citizens Bank.
Approved, February 12, 1992.

Minneapolis

First National Agency of Bagley, Bagley, Minnesota -to acquire the Farmers State Bank of Fosston,
Fosston, Minnesota.
Returned, February 12, 1992.

San Francisco

Investors Banking Corporation, Portland, Oregon —
acquire Colonial Banking Company, Grants Pass
Oregon.
Approved, February 13, 1992.

Minneapolis

Johnson Holdings, Inc., Isanti, Minnesota —
acquire East Central Holding Company.
Approved, February 14, 1992.

Minneapolis

Johnson Holdings, Inc., Isanti, Minnesota — to
engage in general insurance agency activities
through East Central Holding Company.
Approved, February 14, 1992.

to

to

H .2
FEBRUARY 10, 1992
PAGE 3

TO

FEBRUARY 14, 1992

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

BANK HOLDING COMPANIES
Kansas City

KLT Bancshares, Inc., Farley, Missouri to acquire
Farley Bancshares, Inc., Farley, Missouri and
Farley State Bank, Parkville, Missouri.
Approved, February 12, 1992.

Cleveland

National City Corporation, Cleveland, Ohio, and
National Processing Company, Inc., Louisville,
Kentucky — to acquire B&L Consultants, Inc.,
Norwood, Massachusetts.
Approved, February 14, 1992.

Dallas

South Plains Financial Corporation, Dover, Delaware - to acquire South Plains Bank, Levelland, Texas,
and First State Bank, Morton, Texas.
Approved, February 12, 1992.

Minneapolis

Thompson Insurance, Inc., Bismarck, North Dakota -to acquire the First Security Bank of Havre, Havre,
Montana.
Returned, February 12, 1992.

BANK MERGERS




Minneapolis

First National Bank of Bagley, Bagley, Minnesota —
to acquire the Farmers State Bank of Fosston,
Fosston, Minnesota.
Returned, February 12, 1992.

Chicago

First Northern Savings Bank, S.A., Green Bay,
Wisconsin — to merge with New London Savings and
Loan Association, New London, Wisconsin.
Approved, February 14, 1992.

Chicago

State Bank of Croswell, Croswell. Michigan — to
merge with Sanilac County Bank Deckerville,
Michigan, and to establish branches in Deckerville
and Sandusky, Michigan.
Approved, February 11, 1992.

H.2
FEBRUARY 10, 1992
PAGE 4

TO

FEBRUARY 14, 1992

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

BANK PREMISES
Richmond

Bank of Clark County, Berryville, Virginia -investment in bank premises.
Approved, February 13, 1992.

Chicago

Comerica Bank - Detroit, Detroit, Michigan —
investment in bank premises.
Approved, February 11, 1992.

Chicago

First Illini Bank, Galesburg, Illinois -- investment
in bank premises.
Approved, February 14, 1992.

Cleveland

Ohio Citizens Bank, Toledo, Ohio -- investment in
bank premises.
Approved, February 10, 1992.

Kansas City

Webb City Bank, Webb City, Missouri —
bank premises.
Approved, February 14, 1992.

investment in

BANKS, STATE MEMBER
Minneapolis

First Security Bank of Havre, Havre, Montana —
payment of a dividend.
Returned, February 12, 1992.

Kansas City

First State Bank of Taos, Taos, New Mexico -- payment
of a dividend.
Approved, February 13, 1992.

CAPITAL STOCK
Atlanta

Hartford Financial Corporation, Hartford, Alabama —
redemption of shares.
Approved, February 14, 1992.

COMPETITIVE FACTORS REPORTS




S t . Louis

AmeriFirst Bank of Cape Girardeau, Cape Girardeau,
Missouri, proposed merger with Bank of Sikeston,
Sikeston, Missouri — report on competitive
factors.
Submitted, February 14, 1992.

H.2

FEBRUARY 10, 1992
PAGE 5

TO

FEBRUARY 14, 1992

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

COMPETITIVE FACTORS REPORTS




Minneapolis

Eastwood Bank St. Charles, St. Charles, Minnesota,
proposed merger with Eastwood Bank Elgin, Elgin,
Minnesota — report on competitive factors.
Submitted, February 11, 1992.

Philadelphia

Farmers and Merchants Trust Company of Chambersburg,
Chambersburg, Pennsylvania, proposed purchase of
certain assets and assumption of certain
liabilities of the Waynesboro, Pennsylvania, branch
of Home Federal Savings Bank, Hagerstown,
Maryland — report on competitive factor* .
Submitted, February 13, 1992.

Kansas City

First National Bank of Wray, Wray, Colorado, proposed
merger with Security National Bank, Holyoke,
Colorado -- report on competitive factors.
Submitted, February 12, 1992.

Richmond

First Union National Bank of South Carolina,
Greenville, South Carolina, proposed acquisition of
assets and assumption of the liabilities of two
Hilton Head, South Carolina, branches of NCNB
National Bank of South Carolina, Columbia, South
Carolina — report on competitive factors.
Submitted, February 10, 1992.

Richmond

Grayson National Bank, Independence, Virginia,
proposed merger with Independence National Interim
Bank — report on competitive factors.
Submitted, February 10, 1992.

Philadelphia

Harleysville National Bank and Trust Company,
Harleysville, Pennsylvania, proposed purchase of
the assets and assumption of the liabilities of
four branches of Provident National Bank,
Philadelphia, Pennsylvania — report on competitive
factors.
Submitted, February 12, 1992.

H.2

FEBRUARY 10, 1992
PAGE 6

TO

FEBRUARY 14, 1992

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

COMPETITIVE FACTORS REPORTS
Minneapolis

MidAmerica Bank Newport, Newport, Minnesota -proposed merger with MidAmerica Bank Chaska,
Chaska; MidAmerica Maplewood, Maplewood; and
MidAmerica Bank, N.A., Roseville, Minnesota —
report on competitive factors.
Submitted, February 11, 1992.

Richmond

NCNB Virginia, McLean, Virginia, proposed merger with
NationsBank of Virginia, N.A., Richmond, Virginia - report on competitive factors.
Submitted, February 14, 1992.

EXTENSIONS OF TIME




Chicago

Chemical Bank Michigan, Clare, Michigan — extension
to June 1992, to merge with Chemical Bank Gladwin
County, Beaverton, Michigan, and to establish
branches in Beaverton and Gladwin, Michigan.
Granted, February 12, 1992.

Chicago

First Bancshares, Inc., Schaumburg, Illinois —
extension to May 14, 1992, to acquire First Bank of
Schaumburg, Schaumburg, Illinois.
Granted, February 14, 1992.

New York

Manufacturers and Traders Trust Company, Buffalo, New
York — extension to March 31, 1992, to merge with
The First National Bank of Highland, Newburgh, New
York.
Granted, February 10, 1992.

San Francisco

Security Pacific Corporation, Los Angeles, California
— extension to divest certain property.
Granted, February 14, 1992.

San Francisco

Security Pacific Corporation, Los Angeles, California
— extension to divest certain property.
Granted, February 14, 1992.

S t . Louis

Union Planters Corporation, Memphis, Tennessee —
extension to May 21, 1992, to acquire Fidelity
Federal Bank, A Federal Savings Bank, Nashville,
Tennessee.
Granted, February 14, 1992.

H .2
FEBRUARY 10, 1992
PAGE 7

TO

FEBRUARY 14, 1992

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

EXTENSIONS OF TIME




New York

United Counties Bancorporation, Cranford, New
Jersey — extension to May 28, 1992, to acquire up
to 9.9 percent of Central Jersey Bancorp, Freehold,
New Jersey.
Granted, February 14, 1992.

San Francisco

U.S. Bancorp, Portland, Oregon —
divest certain properties.
Granted, February 12, 1992.

extensions to

H .2

ADDITIONS AND CORRECTIONS

FEBRUARY 10, 1992
PAGE 8

TO

FEBRUARY 14, 1992

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

REGULATIONS AND POLICIES
Capital adequacy -- treatment of intangible assets
for risk-based and leverage capital purposes
(Docket R-0748).
Proposed, January 21, 1992.

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

BANK HOLDING COMPANIES
Chicago

Dixon Bancshares, Inc., Rolfe, Iowa -- to acquire
Rolfe State Bank, and Citizens State Bank, Sheldon,
Iowa.
Returned, February 4, 1992.

Kansas City

P.N.B. Financial Corporation, Kingfisher, Oklahoma -to acquire certain assets and assume certain
liabilities of the Enid branch of First Federal
Savings Association of Chickasha, Thickasha,
Oklahoma.
Approved, February 7, 1992.

BANKS, STATE MEMBER




Richmond

Bank of Northern Virginia, Arlington, Virginia -payment of a dividend.
Approved, February 7, 1992.

H .2

ADDITIONS AND CORRECTIONS

FEBRUARY 10, 1992
PAGE 9

TO

FEBRUARY 14, 1992

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

CHANGE IN BANK CONTROL




Kansas City

NBA Bankshares, Inc., Salina, Kansas —
bank control.
Permitted, February 7, 1992.

change in

FE D E R A L R ES E R V E BANK OF BOSTON A P P L IC A T IO N S

SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY
Application

Comment Period Ending Date
NONE
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE

Application

Comment Period Ending Date
NONE
SECTION III - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY

Application

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

Application
NONE
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS

♦♦Rating Definitions:
"0" - Outstanding; "S" - Satisfactory;
- Needs to Improve; "SN" - Substantial Noncompliance.
Institution




Examination Date

NONE

"N"

Rating**

Federal Reserve Bank of New York
Comment Period
Ending Date

SECTION I
Applications Subject to Newspaper
___________ Notice Only___________
United Jersey Bank, Hackensack, New Jersey to
establish an offsite electronic facility at
500 International Trade Partners, International
Trade Center, 500 International Drive, Mount
Olive, New Jersey.1/

3/12/92

SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
U.S.B. Holding Company, Inc., Nanuet, New York
to acquire up to 26 percent of the voting stock of
New Milford Bank and Trust Company, New Milford,
Connecticut.!/

3/3/92 2/

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

3/6/92 2/

Mr. Josiah T. Austin and Ms. Valer C. Austin,
to acquire control of up to 24.9 percent of
the voting shares of Westport Bancorp, Inc.,
Westport, Connecticut.

2/16/92 3/

SECTION III
Nonbanking Applications
(Subject to Federal Register Notice Only)
The Fuji Bank, Limited, Tokyo, Japan to acquire
certain assets of the First Capital Division of
The Financial Center Bank, N.A., San Francisco,
California and thereby to engage in commercial
financing indirectly through its wholly-owned
subsidiary, Heller First Capital Corp, Chicago,
Illinois.




2/26/92

SECTION III (cont'ch
Nonbanking Applications
(Subject to Federal Register Notice Only)
Bayerische Landesbank Girozentrale, Munich,
Commerzbank AG, Frankfurt am Main, and Dresdner
Bank, Frankfurt am Main, all of the Federal
Republic of Germany, to retain indirectly all
of the voting shares of Mercedes-Benz Credit
Corporation, Norwalk, Connecticut and thereby
to engage in financing, leasing, and creditrelated insurance activities.

N/A

Barclays PLC and Barclays Bank PLC, both of
London, England to engage indirectly through
Barclays de Zoete Wedd Securities Inc. in the
execution and clearance of certain contracts
on futures and options on futures.

N/A

SECTION IV
Applications Not Involving
______ Public Comment______
None.
SECTION V
Availability of CRA Public Evaluations
In connection with the assessment of each insured depository
institution's CRA performance, a rating is assigned from the
following group:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of,
and is a leader in, ascertaining and helping to meet the
credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of
ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.
Needs to improve record of meeting community credit needs.




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

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 moderateincome neighborhoods, in a manner consistent with its resources
and capabilities.
Week Ending February 15. 1992
NAME OF BANK

RATING

EXAMINATION DATE

None.

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




FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
Comment Period Ending Date
Premier Bank (in organization), Doylestown, 1/
PA to relocate its head office from 42
Shewell Avenue, Doylestown, PA to 379 N.
Main Street, Doylestown, PA.

3/8/92

SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND
FEDERAL REGISTER NOTICE
Comment Period Ending Date
Meridian Bancorp. Inc*, Reading, PA to 1/
acquire 8.33% of the voting shares of
United Bank of Philadelphia (in
organization), Philadelphia, PA,
pursuant to Section 3(a)(3) of the
Bank Holding Company Act. Secretary
Delegated
Newspaper:
Federal Register:

2/25/92
3/10/92

Gloucester County Bankshares, Inc.. Woodbury, 1/
NJ seeks approval to form a bank holding
company by acquiring 100% of The Bank of
Gloucester County, Woodbury, NJ pursuant
to Section 3(a)(1) of the BHCA.
Newspaper:
Federal Register:

3/9/92
N/A*

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
Comment Period Ending Date
None.

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

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



FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
The following institutions were examined for CRA. The 30-business day period the bank
has to make the evaluation public has lapsed during the week ending February 14. 1992.
Identification of Ratings
In connection with the assessment of each insured depository
performance, a rating is assigned from the following groups:

institution's

CRA

Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record of ascertaining
and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of ascertaining
and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.

Bank/Location




Examination Date
None.

CRA Rating

Federal Reserve Bank of Cleveland
Applications Bulletin
For Week Ending February 15, 1992

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
NONE
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
NONE
SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
NONE
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE

Received request from Ohio Citizens Bank,
Toledo, Ohio, on February 14, 1992, for
permission to exceed its limit of investment
in bank premises permitted under Section 24A
of the Federal Reserve Act.
Received request from WesBanco Bank, Wheeling,
West Virginia, on February 14, 1992, for
permission to exceed its limit of investment
in bank premises permitted under Section 24A
of the Federal Reserve Act.*

*
N
F
#

-

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




Federal Reserve Bank of Richmond

Section I - Applications Subject to Newspaper
Notice Only

Application

Comment Period Ending Date

None.

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

Comment Period Ending Date

Matewan BancShares, Inc., Matewan,
West Virginia, to acquire 49% of
the voting shares of Hampden Venture
Limited Partnership, Gilbert, West
Virginia.

3-6-92*

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

None.

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

^Expiration of comment period specified in the Federal Register.




Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations
Week ending February 14, 1992

Definition of Ratings
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a leader
in, ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods,
in a manner consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record of ascer­
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of ascer­
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.

Examination
Date

Rating

First Commercial Bank
3801 Wilson Boulevard
Arlington, VA 22203

12-9-91

Satisfactory

The State Bank of the Alleghenies
116 West Riverside Street
Covington, VA 24426

12-9-91

Satisfactory




A p p lic a tio n s

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

14.

1992

Section 1 - Applications Subject to Newspaper Notice Only

Application

Comment Period Ending Date

None.
Section 2 - Applications Subject To Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

Peoples Preferred Bancshares, Inc.
Colquitt, Georgia
To acquire 50.68 percent of Columbia
Bancing Company, Inc., Columbia, Alabama,
and thereby indirectly acquire its bank
subsidiary, Bank of Columbia, Columbia,
Alabama.
First National Corporation of Picayune
Picayune, Mississippi
Change in control by Richard S. Thomson to
acquire an additional 2,100 shares (12.73
percent) of the outstanding common stock.
The acquisition will increase Mr. Thomson's
total ownership to 25.07.
Heritage Financial Services, Inc.
Clarksville, Tennessee
1-BHC formation, Heritage Bank, Clarksville,
Tennessee.

Not yet available*

02-25-92*
Newspaper

02-13-92*
Federal Register

Section 3 - Applications Subject to Federal
Register Notice Only
Application

Comment Period Ending Date

FirstBancorp, Inc.
Marathon, Florida
To engage de novo in lending activities,
pursuant to Section 225.25(b)(1) of
Regulation Y.

♦Subject to Community Reinvestment Act.




Not yet available

A p p lic a tio n s

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

14.

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

Application
Bank of Adairsville
Adairsville, Georgia
Request for increase in bank premises.




\9 9 2

A p p lic a tio n s

F e d e r a l R e s e rv e Bank o f A t l a n t a
B u l l e t i n f o r W eek E n d in g F e b r u a r y

14,

1992

Section 10 - Availability of CRA Public Evaluations

The CRA public evaluations of the insured depository institutions
listed below became available during this week. Information about
an institution's CRA evaluation may be obtained directly from the
institution. In connection with the assessment of an institution's
CRA performance, a rating is assigned from the following groups:
Outstanding record of meeting community credit needs:
An
institution has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire
delineated
community,
including
lowand
moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.

S a tis f a c to r y re c o rd o f m eeting community c r e d i t n eed s:

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

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

Examination
Bank
None.




Rating

Date

Federal Reserve Bank of Chicago

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

Tfe
fi
Branch/24A

The Kingston State Bank
Kingston, Michigan
2593 S. Van Dyke
Marlette Township, Michigan*

N

- 2-15-92

Merger/
Branch

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

N

- 3-2-92

Branch

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

N

- 3-2-92

Branch/24A

Villa Park Trust & Savings Bank
Villa Park, Illinois
345 S. Wain Street
Lombard, Illinois*

N

- **

Tyge
Y-l

Y-l




Section II - Applications Subject to Both Newspaper and Federal
Register Notice
Comment Period
E n d in g D ate
Application
DunC Corp.
Belvidere, Illinois
Capron Bancorp, Inc.
Capron, Illinois
Capron State Bank
Capron, Illinois*
Brad, Inc.
Black River Falls, Wisconsin
Bank of Melrose
Melrose, Wisconsin*

FR - 2-26-92
N

_ **

FR - 2-25-92
N - 2-20-92

Federal Reserve Bank of Chicago

Section II - Applications Subject to Both Newspaper and Federal
Register Notice
(Continued^
Content Period
Application
Ending Date
Y-2

Conerica Incorporated
FR - **
Detroit, Michigan
N - 3-2-92
Manufacturers National Corporation
Detroit, Michigan
Manufacturers National Bank
Detroit, Michigan
Manufacturers National Bank of Ann Arbor
Ann Arbor, Michigan
Manufacturers Bank-Wilmington
Newark, Delaware
Manufacturers Bank and Trust of Florida
Palm Beach Gardens, Florida
Affiliated Bank
Franklin Park, Illinois
Manufacturers National Bank of Grand Rapids
Grand Rapids, Michigan
Manufacturers Bank of Lansing
Lansing, Michigan
Affiliated Banc Group, Inc.
Morton Grove, Illinois*

Y-2

Manufacturers National Corporation
FR - **
Detroit, Michigan
N - 3-2-92
Comerica Incorporated, Detroit, Michigan
Conerica Bank-Detroit, Detroit, Michigan
Conerica Bank-Midwest, National Association
Toledo, Ohio
Conerica Bank-Texas, Dallas, Texas
Plaza Bank of Commerce
San Jose, California
Bank of Industry, City of Industry, California
Conerica Trust Canpany of Florida
Boca Raton, Florida*

CoC-HC

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




FR - **
N - 3-2-92

Federal Reserve Bank of Chicago

Type

Section II - Applications Subject to Both Newspaper and Federal
Register Notice
(Continued^
Comment Period
Application
Ending Date

Y-l

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

FR - 3-2-92
N - **

Y-l

American Chartered Bancorp II, Inc.
Lake Zurich, Illinois
American Chartered Bank of Lake Zurich
Lake Zurich, Illinois*

FR - **
N - 2-29-92

Y-l

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

FR - **
N - **

Y-2

Prairie Bancorp, Inc.
Manlius, Illinois
First Hanover Bancorp, Inc.
Hanover, Illinois
Hanover State Bank
Hanover, Illinois*

FR - **
N - **

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

Type

Application

Y-4

Coterica Incorporated
FR - 3-2-92
Detroit, Michigan
Affiliated Asset-Eased Lending Services, Inc.
Morton Grove, Illinois
Manucor Agency, Inc.
Detroit, Michigan
Manucor Insurance Corporation
Detroit, Michigan
Manufacturers Affiliated Trust Company
Chicago, Illinois
Manufacturers Bank and Trust of Florida, N.A.
Palm Beach Gardens, Florida
Manufacturers Bank-Wilmington
Wilmington, Delaware
Manufacturers Federal Savings Bank (in formation)
Palm Beach Gardens, Florida
ML, Inc. (D/B/A Magic Line)
Dearborn, Michigan
NSGC leasing Corp.
Morton Grove, Illinois
Wilson, Kemp & Associates, Inc.
Detroit, Michigan




Federal Reserve Bank of Chicago

Type

Section III - Applications Subject t n Far^r-ai Rpgi gti=>r
Notice Only
(Continued)
Comment Period
Application
Ending Date

Y-4

Manufacturers National Corporation
FR - 3-2-92
Detroit, Michigan
Coroerica Acceptance Corporation
Auburn Hills, Michigan
Ccmerica Bank-Florida, Federal Savings Bank
Clearwater, Florida
Ccmerica Brokers, Inc.
Detroit, Michigan
Ccmerica Capital Management, Inc.
Detroit, Michigan
Ccmerica Corporate Services, Incorporated
Detroit, Michigan
Ccmerica Properties Corporation
Auburn Hills, Michigan
Ccmerica Trust Company of Florida, National Association
Boca Raton, Florida
ML, Inc. (D/B/A Magic Line)
Dearborn, Michigan
Plaza Realty Advisors
San Jose, California

Y-4/QAKAR

First Mid-Illinois Bancshares, Inc.
FR - **
Mattoon, Illinois
Heartland Federal Savings and Loan Association
Mattoon, Illinois

Y-4

Clare Bancorporation, Inc.
FR - **
Platteville, Wisconsin
First Federal Savings and Loan Association
of Platteville
Platteville, Wisconsin

Y-4

Montfort Bancorporation, Inc.
FR - **
Platteville, Wisconsin
First Federal Savings and Loan Association
of Platteville
Platteville, Wisconsin




Federal Reserve Bank of Chicago

Section IV - Applications Not Subject to Federal Register or MamRpaper
Notice

Type

Application

RoS

Aurelia FT & S Bankshares, Inc.
Aurelia, Iowa
To redeem 850 shares of its outstanding caiman stock

RoS

Valley Bancshares, Inc.
Mapleton, Icwa
To redeem 700 shares of its cannon stock

N
FR
*
**

-




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

AVAILABILITY OF CRA PUBLIC EVALUATIONS
The following state member banks have been examined by the Federal Reserve Bank
of Chicago for compliance with the CRA. The 30-business day period the bank has
to make the evaluation public has lapsed during the week ending February 14,
1992. If you are interested in obtaining a copy of the evaluation document,
please contact the bank(s) directly.
Identification of Ratings
O-An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
S-An institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
NI-An institution in this group needs to improve its overall record of ascer­
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
SN-An institution in this group has a substantially deficient record of ascer­
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
EXAMINATION DATE

RATING

-Security Bank of Commerce
11300 Joseph Campau Avenue
Hamtramck, Michigan
48212
(313)366-3200

9/23/91

NI

-Security Trust & Savings Bank
601 Lake Avenue
Storm Lake, Iowa
50588
(712)732-3022

10/28/91

S

BANK NAME/LOCATION




Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING FEBRUARY 14, 1992

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application

End of Comment Period

None.

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

End of Comment Period

Change in control notification involving Ashley
Bancstock Company, Crossett, Arkansas by Norman
Ashley Bancstock Voting Trust

Not yet available

Change in control notification involving
Bancshares of Camden, Inc., Camden, Tennessee
by Bank of Camden ESOP

Not yet available

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application

End of Comment Period

None.

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
Application
End of Comment Period
Stock redemption notification by Steelville
Community Banc-Shares, Inc., Steelville, Missouri




Not applicable

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

FOR THE WEEK ENDING

Name of Bank

UniSouth Banking
Corporation




February 14, 1992

Bank Address

P. 0. Box 431
Columbus, Mississippi

Examination
Date
10-28-91
39703

Examination
Rating
Satisfactory

FEDERAL RESERVE BANK OF MINNEAPOLIS

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

A pplication
Peoples State Bank
Plainview, M n
To acquire the Elgin and
Millville offices of Eastwood
Bank, St. Charles, MN

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

Application

Comment Period
Ending Date

Dairyland B a n k Holding Corporation
La Crosse, WI
To acquire 100% of Bank of Alma,
Alma, WI*

2-25-92
(Federal Register)

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

2-25-92
(Federal Register)

First Bank System, Inc.
Mpls, M N
To acquire 100% of Siouxland Bank
Holding Company, Scottsdale, Arizona,
a m u l t i b a n k holding company owning
Dakota Bank and Trust Company, Fargo,
ND and First National Bank of Hettinger,
Hettinger, Nor t h Dakota*

3-10-92
(Federal Register)

First Financial Corporation
A r t h u r , ND
To indirectly acquire 100% of the
First State Bank of Buffalo,
Buffalo, ND*

* Subject to CRA




Not yet available

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

Section II - Applications Subject to Bot h
Newspaper and Federal Register Notice (Continued)
Comment Period
E n d i n g Date

Application
First State Bank of Arth u r
Arthur, ND
To acquire 100% of First State
Bank of Buffalo, Buffalo, ND*

Not yet available

Section III - Applications Subject
to Federal Register Notice Only

Application

Comment Period
E n ding Date

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

Not yet available

First Bank System, Inc.
Mpls, M N
To engage in data processing through the
acquisition of Dako t a Data Processing,
I n c ., F a r g o , ND

2-26-92

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

3-10-92

*

Subject to CRA




FEDERAL RESERVE BAN K OF M I N N E A P O L I S

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




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending February 7, 1992

ASSIGNMENT OF RATING
Identification of Ratings
In connection with the assessment of each insured depository
institution's CRA performance, a rating is ass i g n e d from the
following groups:
OUTSTANDING RECORD OF M E E T I N G 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 m a n n e r
consistent with its resources and capabilities.
SATISFACTORY RECORD OF M E ETING COMMUNITY CREDIT NEEDS.
An institution in this group has a satisfactory record of
ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent w i t h 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 C R EDIT NEEDS.
An institution in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs
of its entire delineated community, including low-and
moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.

BANK (S )
None.




EXAMINED DATE OF EXAMINATION

C R A RATING

Federal Reserve Bank of Kansas City

S ECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY

APPLICATION
King Bancshares, Inc., Kingman,
Kansas, for prior approval to acquire
100 percent of the voting shares of
Kingman Savings and Loan Association,
Kingman, Kansas.

COMMENT PERIOD ENDING DATE
Not Available

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

APPLICATION

COMMENT PERIOD ENDING DATE

CS Bancshares, Inc., Chillicothe,
Missouri, for prior approval to
acquire 80 percent of the voting
shares of Alma Bancshares
Corporation, Alma, Missouri.*

Not Available

Porter Bancshares, Inc., Porter,
Oklahoma, for prior approval to
become a bank holding company through
the acquisition of 100 percent of the
voting shares of The First National
Bank of Porter, Porter, Oklahoma.*

Not Available

S E CTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
ONLY

APPLICATION

COMMENT PERIOD ENDING DATE

None.
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NO T I C E
OR NEWSPAPER NOTICE

APPLICATION
None.
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Identification of Ratings

In connection with the assessment of each insured depository
institution's CRA performance, a rating is assigned from the
following groups:




Federal Reserve Bank of Kansas City

Outstanding record of meeting community credit needs

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

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

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

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

Exam Date

None.*

*Application is subject to CRA.




CRA Public
Date

CRA
Rating

FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF FEBRUARY 10, 1992
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY

APPLICATION

NOTICE EXP

None.
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE

APPLICATION

** NOTICE EXP

Change in Control Notice by
David Neal Walthall, Plano, TX, to acquire an
interest in Equitable Bankshares, Inc., Dallas, TX

N/A

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
APPLICATION

NOTICE EXP

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

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




SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
FOR THE WEEK OF FEBRUARY 10, 1992

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

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

Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.
Needs to Improve record of meeting community credit needs.
An institution in this group need to improve its overall record of
ascertaining and
helping to meet the credit
needs of its entire
delineated community, including low- and moderate-income neighborhoods,
in a manner consistent with its resources and capabilities.
Substantial Noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of
ascertaining and
helping to meet the credit
needs of its entire
delineated community, including low- and moderate-income neighborhoods,
in a manner consistent with its resources and capabilities.

Bank
Bank of the West
950 N. Beltline Rd.
P. 0. Box 165869
Irving, Texas 75016




Date of
Examination
11-12-91

CRA Rating
Needs to Improve

FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 02/14/92
Section I - Applications Subject to Newspaper Notice Only
A d p Iication

Comment Period Ending Date

NONE

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Command Credit Corporation, Rockville, Centre,
New York, to become a bank holding company by
acquiring Republic National Bancorp, Inc.,
Phoenix, Arizona. *

Newspaper:

03/07/92

Fed. Reo.:

Not Available

Grupo Femsa, S.A. de C.V., Monterrey, Mexico,
to become a bank holding company by acquiring
Bancomer, S.A., Mexico City, Mexico. *

Newspaper:

Not Available

Fed. Rea.:

03/10/92

Section III - Applications Sub.iect to Federal Register Notice Only
Command Credit Corporation, Rockville Centre,
New York, to engage directly in marketing of
secured credit cards; providing loan servicing
regarding credit card products; marketing
merchant accounts; providing financial advice,
data processing services, management consulting;
and operating a collection agency.

Fed. Reo.:

Not Available

BankAmerica Corporation, San Francisco, California,
to engage in nonbanking activities through the
acquisition of H. F. Holdings, Inc., Marina del Rey,
California.

Fed. Reg.:

Not Available

Section IV - Applications Not Subject to Federal Register Notice
or Newspaper Notice
NONE

* Subject to CRA




FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 02/14/92
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institutions below became available during the
week ending February 14, 1992. Information about a particular institution's CRA
evaluation may be obtained directly from the institution.

Institution
Caliber Bank

Address
3800 North Central Ave
Phoenix, AZ 85012
Tel: (602) 274-6000

Examination Date
11/04/91

Rating*
Satisfactory

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




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