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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H .2 , 1 9 9 7 , No. 7
A c tio n s o f th e B o a rd , i t s S t a f f , and
th e F e d e r a l R e se r v e B an k s;
A p p lic a t io n s and R e p o r ts R e c e iv e d
D u r in g t h e W eek E n d in g F e b r u a r y 1 5 , 1 9 9 7

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

TESTIMONY AND STATEMENTS
Financial modernization -- statement by Chairman
Grpenspan before the Subcommittee on Financial
Institutions and Consumer Credit of the House
Committee on Banking and Financial Services,
February 13, 1997.
Published, February 13, 1997.
BANK HOLDING COMPANIES
Bank of New York Company, Inc., New York, New York
to expand the activities of its section 20
subsidiary, BNY Capital Markets, Inc., to include
limited underwriting and dealing in all types of
debt and equity securities.
Permitted, February 12, 1997.
ENFORCEMENT
Asahi Bank, Ltd., Tokyo, Japan, and the Asahi Bank,
Ltd., branch in New York -- order of assessment of
a civil money penalty of $5 million against the
bank and the branch, and joint issuance with the
New York State Banking Department of a cease and
desist order against the bank and the branch.
Announced, February 13, 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
New York

European American Bank, New York, New York - - t o
establish an in-store full service branch in a
Wal-Mart Store at 161 Centereach Mall, Centereach,
New York.
Approved, February 11, 1997.

Minneapolis

Security State Bank & Trust Company, Poison,
Montana - - t o establish a branch in Poison.
Approved, February 12, 1997.




H.2
FEBRUARY 10, 1997
PAGE 2

TO

FEBRUARY 15, 1997

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

BANK HOLDING COHPANIES




Kansas City

Aaeribanc Holdings, Durango, Colorado —
The Bank of Durango.
Permitted, February 12, 1997.

to acquire

Kansas City

BOK Financial Corporation, Tulsa, Oklahoma — to
acquire First Tex Corp., Inc., Dallas, Texas.
Approved, February 19, 1997.

Secretary

Conaunity Capital Corporation, Greenwood, South
Carolina - - t o acquire The Bank of Belton, Belton;
and Bank of Barnwell County, Barnwell, South
Carolina.
Approved, February 12, 1997.

Chicago

County Bancorp, Inc., Manitowoc, Wisconsin -- to
acquire Investors Community Bank.
Approved, February 14, 1997.

Chicago

Damen Financial Corporation, Schaumburg, Illinois -to acquire Damen National Bank.
Approved, February 12, 1997.

Dallas

Laguna Bancshares, Inc., Big Lake, Texas -- to
acquire Laguna Bancshares of Delaware, Inc., Dover,
Delaware, and Big Lake Bank, N.A.
Approved, February 11, 1997.

Dallas

Laguna Bancshares of Delaware, Inc., Dover,
Delaware - - t o acquire Big Lake Bank, N.A.
Approved, February 11, 1997.

Minneapolis

Norwest Corporation, Minneapolis, Minnesota, and
Norwest Financial Services, Des Moines, Iowa - - t o
engage in automobile lending and credit-related
insurance activities through the acquisition of
Reliable Financial Services, Inc., San Juan, Puerto
Rico.
Approved, February 11, 1997.

Cleveland

Park National Corporation, Newark, Ohio - - t o acquire
First Knox Banc Corp., Mount Vernon, Ohio.
Approved, February 15, 1997.

H.2
FEBRUARY 10, 1997
PAGE 3

TO

FEBRUARY 15, 1997

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

BANK HOLDING COHPANIES
Kansas City

Platte Valley Financial Services Companies, Inc.,
Scottsbluff, Nebraska -- to acquire Platte Valley
National Banc, Inc. and Platte Valley National
Bank, Scotts Bluff, Nebraska; First Morrill Co. and
Platte Valley National Bank, Morrill, Nebraska; and
notification to continue to engage in nonbanking
activities through Platte Valley Ag Credit Co.,
Platte Valley Lending C o ., Platte Valley Investment
Center and Platte Valley Mortgage Company, a l l of
Scottsbluff, Nebraska•
Approved, February 11, 1997.

Chicago

Sycamore Bancshares, Inc., Sycamore, Illinois -request for waiver of application to acquire
American National Bank of De Kalb.
Granted, February 10, 1997.

Atlanta

Synovus Financial Corp., Columbus, Georgia, TB&C
Bancshares, Inc., and their nonbank subsidiaries,
Total Systems Services, Inc., and Vital Processing
Services, L.L.C. -- to invest in a joint venture,
Golden Retriever System, L.L.C., Chandler, Arizona,
and engage in data processing services.
Permitted, February 11, 1997.

San francisco

TRP Acquisition Corporation, Burr Ridge, Illinois
to acquire Trans Pacific Bancorp, San Francisco,
California.
Approved, February 13, 1997.

S t . Louis

Waterfield Bank Corp., Indianapolis, Indiana -- to
acquire First National Bank of Mitchell, Mitchell,
Indiana.
Approved, February 10, 1997.

BANK MERGERS




San Francisco

Humboldt Bank, Eureka, California — to acquire the
Garberville branch of First Nationwide Bank, FSB,
San Francisco, California.
Approved, February 12, 1997.

H.2
FEBRUARY 10, 1997
PAGE 4

TO

FEBRUARY 15, 1997

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

Chicago

La Salle State Bank, La Salle, Illinois — to merge
with Community Bank of Utica, Illinois, and to
establish a branch at 100 Mill Street, Utica,
Illinois.
Approved, February 13, 1997.

BANKS. NONMEMBER. AND MISCELLANEOUS INSTITUTIONS
San Francisco

Glendale Federal Bank, Federal Savings Bank,
Glendale, California -- request for waiver of
application to acquire Transworld Bancorp and
merger with Transworld Bank, both of Sherman Oaks,
California.
Granted, February 13, 1997.

Director, BS&R

U.S. Trust Company of New Jersey -- registration as
transfer agent.
Withdrawn, February 13, 1997.

BANKS. STATE MEMBER
Director, BS&R

Comerica Bank, Detroit, Michigan -- registration as
transfer agent.
Withdrawn, February 13, 1997.

CAPITAL STOCK
Chicago

La Salle Bancorp, Inc. La Salle, Illinois -redemption of shares.
Approved, February 13, 1997.

S t . Louis

Perry County Bancorp, Inc., Duquoin, Illinois -redemption of shares.
Returned, February 10, 1997.

CHANGE IN BANK CONTROL




Chicago

LaSalle Bancorp, Inc., La Salle, Illinois -- change
in bank control.
Permitted, February 13, 1997.

S t . Louis

Rosedale First National Corporation, Rosedale,
Mississippi -- change in bank control.
Permitted, February 10, 1997.

H.2
FEBRUARY 10, 1997
PAGE 5

TO

FEBRUARY 15, 1997

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

COHPETITIVE FACTORS REPORTS




S t . Louis

AmBank Illinois, National Association, Robinson,
Illinois, proposed merger with AmBank Illinois,
Casey, Illinois — report on competitive factors.
Submitted, February 10, 1997.

Dallas

Bank of Barnwell County, Barnwell, South Carolina,
proposed purchase of certain assets and assumption
of certain liabilities of the Barnwell, Blackville,
Salley, Springfield, and Williston branches of
Carolina First Bank, Greenville, South Carolina
report on competitive factors.
Submitted, February 11, 1997.

Minneapolis

BayBank, Gladstone, Michigan, proposed merger with
Bay Interim Bank -- report on competitive factors.
Submitted, February 14, 1997.

Atlanta

Citizens Bank, Carthage, Tennessee, proposed purchase
of certain assets and assumption of certain
liabilities of the branch in Sparta of Trans
Financial Bank Tennessee, N.A., Cookevile,
Tennessee -- report on competitive factors.
Submitted, February 12, 1997.

Richmond

Farmers & Merchants Bank, Granite Quarry, North
Carolina, proposed purchase of certain assets and
assumption of certain liabilities of the Rockwell,
branch of First Union National Bank of North
Carolina, Charlotte, North Carolina -- report on
competitive factors.
Submitted, February 12, 1997.

S t . Louis

First National Bank of Mitchell, Mitchell, Indiana,
proposed merger with Union National Bank -- report
on competitive factors.
Submitted, February 13, 1997.

St. Louis

First South Bank, Bolivar, Tennessee, proposed
purchase of assets and assumption of liabilities of
the Brownsville, Tennessee, branch of National Bank
of Commerce, Memphis, Tennessee -- report on
competitive factors.
Submitted, February 14, 1997.

H.2
FEBRUARY 10, 1997
PAGE 6

TO

FEBRUARY 15, 1997

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

COHPETITIVE EACTORg REPORTS




Dallas

First State Bank of Avinger, Avinger, Texas, proposed
aerger with New Avinger, Inc. -- report on
competitive factors.
Submitted, February 14, 1997.

Chicago

Greensburg Savings and Loan Association, Greensburg,
Indiana, proposed merger with First Federal Savings
and Loan Association of Greensburg -- report on
competitive factors.
Submitted, February 12, 1997.

Chicago

Mound City Bank, Platteville, Wisconsin, proposed
merger with New Mound City Bank -- report on
competitive factors.
Submitted, February 12, 1997.

San francisco

New Lompoc, Inc., Lompoc, California, proposed merger
with First Valley Bank -- report on competitive
factors.
Submitted, February 12, 1997.

Kansas city

Pony Express Community Bank, St. Joseph, Missouri,
proposed acquisition of the assets and assumption
of the liabilities of the Hunter, Kansas, branch of
Interstate Bank, Wakeeney, Kansas -- report on
competitive factors.
Submitted, February 12, 1997.

Atlanta

Regions Bank of Louisiana, Baton Rouge, Louisiana
proposed acquisition of the assets and assumption
of the liabilities of West Carroll National Bank of
Oak Grove, Oak Grove, Louisiana -- report on
competitive factors.
Submitted, February 12, 1997.

Atlanta

Regions Bank of Louisiana, Baton Rouge, Louisiana,
proposed acquisition of the assets and assumption
of the liabilities of Gulf South Bank and Trust
Company, Gretna, Louisiana -- report on competitive
factors.
Submitted, February 12, 1997.

H.2
FEBRUARY 10, 1997
PAGE 7

TO

FEBRUARY 15, 1997

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

COMPETITIVE FACTORS REPORTS
Atlanta

Republic Bank, St. Petersburg, Florida, proposed
acquisition of the assets and assumption of the
liabilities of Firststate Financial, F.A., Orlando
Florida -- report on competitive factors.
Submitted, February 12, 1997.

Philadelphia

Sun National Bank, Vineland, New Jersey -- proposed
acquisition of the assets and assumption of the
liabilities of four branches of First Union
National Bank, Avondale, Pennsylvania -- report on
competitive factors.
Submitted, February 12, 1997.

Chicago

Today's Bank East, Freeport, Illinois, proposed
merger with Today's Financial Services, Inc. and
Today's Trust Company -- report on competitive
factors.
Submitted, February 12, 1997.

Kansas City

Tri State National Bank, Blanchard, Oklahoma,
proposed merger with First National Bank of Tuttle
Tuttle, Oklahoma -- report on competitive factors.
Submitted, February 11, 1997.

EXTENSIONS OF TINE




Chicago

Adair Insurance Agency, Inc., Adair, Iowa -extension to April 9, 1997, to redeem shares.
Granted, February 14, 1997.

Boston

Assabet Valley Bancorp, Hudson, Massachusetts
extension to acquire Hudson Savings Bank.
Granted, February 14, 1997.

Boston

Bank of Boston Corporation, Boston, Massachusetts -extension to engage in underwriting and dealing in
debt and equity securities through BancBoston
Securities, Inc.
Granted, February 11, 1997.

Richmond

FCBN Bank, Frederick, Maryland " extension to
June 9, 1997, to merge with Elkridge Bank,
Elkridge, Maryland.
Granted, February 13, 1997.

H.2
FEBRUARY 10, 1997
PAGE 8

TO

FEBRUARY 15, 1997

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

EXTENSIONS OF TIME
Boston

UFS Bancorp, Whitinsville, Massachusetts -- extension
to acquire UniBank For Savings.
Granted, February 14, 1997.

INTERNATIONAL OPERATIONS
Director, BS&R

Morgan Guaranty International Finance Corporation,
Newark, Delaware -- request to act as a general
clearing member of the DTB Deutsche Terrainborse for
certain non-clearing members of that exchange.
Granted, February 14, 1997.

MEMBERSHIP
Secretary

Bank of Belton, Belton, South Carolina - - t o become a
member of the Federal Reserve System.
Approved, February 12, 1997.

REGULATIONS AND POLICIES




Director, C&CA

Regulation M -- request for comment on second
proposal revising official staff commentary to
implement the Consumer Leasing Act (Docket R-0961).
Approved, February 12, 1997.

H.2

ADDITIONS AND CORRECTIONS

FEBRUARY 10, 1997
PAGE 9

TO

FEBRUARY 15, 1997

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

COHPETITITE FACTORS REPORTS
Dallas

Guaranty Bank & Trust Company, Gatesville, Texas —
proposed acquisition of the assets and assumption
of the liabilities of the branch of Pacific
Southwest Bank, Corpus Christi, at 116 South Bell
Street, Hamilton, Texas -- report on competitive
factors.
Submitted, February 4, 1997.

INTERNATIONAL gPffUTIONS




Richmond

First Fidelity International Bank, New York, New York
— to amend its Articles of Association.
Approved, February 5, 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
Application

Comment Period Ending Date
NONE

SECTION III - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY
Application

Comment Period Ending Date
NONE

SECTION TV - APPLICATIONS NOT SUBJECT TO
FEDERAL REGISTER OR NEWSPAPER NOTICE
Application
NONE

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
institution

Examination Pate

Rating**

NONE
SECTION VI - CRA EXAMINATION SCHEDULED
Examinations may have to be rescheduled during the calendar quarter in which
they are designated to begin.
If an institution's examination is rescheduled
for a date later than the end of the date range reflected in a published
schedule, the institution's name will be republished in an appropriate later
listing.
Any comments received as a result of either the first publication or
subsequent publications will be considered during the examination.




The Federal Reserve Bank of Boston does not have any institutions scheduled to
be examined for CRA during the second quarter of 1997.

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




"N" - Needs to

FEDERAL RESERVE BANK OF NEW YORK
Comment Period
Ending Date
SECTION I
A pplications Subject to Newspaper
______Notice Only______
The Chase Manhattan Bank, N ew York, N ew York, to established
a branch at Ciba Specialty Chem icals, 540 W hite Plains Road,
T arrytown, N ew Y ork._!/

03/10/97

SECTION II
A pplications Subject to Both
Newspaper and Federal R egister Notice
Application by BanPonce Corporation, Hato R ey, Puerto R ico,
Popular International Bank, Inc., Hato Rey, Puerto R ico, and
BanPonce Financial Corp., W ilm ington, Delaware, to acquire
100 percent o f the voting shares o f National Bancorp., Streamwood,
Illinois, a bank holding company with respect to Am ericanM idwest
Bank and Trust, M elrose Park, Illinois. 1/

SECTION III
Nonbanking A pplications
(subject to Federal R egister Notice Only I
N one.

SECTION IV
A pplications Not Involving
Public Comment___
N one.

SECTION V
A vailability o f CRA Public Evaluations
In connection w ith the assessm ent o f each insured depository institution's
CRA performance, a rating is assigned from the follow ing group:
Outstanding record o f m eeting community credit needs.
An institution in this group has an outstanding record of, and
is a leader in, ascertaining and helping to m eet the credit
needs o f its entire delineated com m unity, including low - and
m oderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record o f m eeting community credit needs.
An institution in this group has a satisfactory record o f ascertaining
and helping to m eet the credit needs o f its entire delineated



03/19/97 2 /

community, including low - and moderate- incom e neighborhoods,
in a manner consistent with its resources and capabilities.
N eeds to improve record o f m eeting community credit needs.
An institution in this group needs to improve its overall record
o f ascertaining and helping to m eet the credit needs o f its entire
delineated community, including low - and moderate incom e
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncom pliance in m eeting community credit needs.
An institution in this group has a substantially deficient
record o f ascertaining and helping to m eet the credit needs o f its entire
delineated com m unity, including low - and moderate- incom e
neighborhoods, in a manner consistent with its resources and capabilities.

W eek Ending February 15.1997
NAME OF BANK

RATING

EXAM INATION DATE

N one.

SECTION VI
CRA Exam inations Scheduled to Begin in Second Q uarter 1997
Examinations may have to be rescheduled during the calendar quarter in which they are
designated to begin. If an institution's examination is rescheduled for a date later than the end o f
the date range reflected in the published schedule, as shown above, the institution's name w ill be
republished in an appropriate later listing. Any com m ents received as a result o f either the first
publication or subsequent publications w ill be considered during the exam ination. Comments
should be sent to the attention of: Ms. Assunta M uglia, Examining Officer, Federal Reserve
Bank o f N ew York, 33 Liberty Street, N ew York, N Y 10045.
Bank o f Avoca
18 North Main Street
A voca, N ew York 14809

First Tier Bank & Trust Company
107 Main Street
Salamanca, N ew York 14779

Banco Popular de Puerto Rico
P.O. Box 2708
San Juan, Puerto Rico 00936-2708

1 / Subject to provisions o f Community Reinvestm ent Act.
2 / Later o f dates specified in newspaper and Federal Register notices.
2 / 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 - N ot A vailable




FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEW SPAPER
NOTICE ONLY
NONE
SECTION H - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEW SPAPER
AND FEDERAL REGISTER NOTICE
K eystone 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

U SA BancShares. Inc.. Philadelphia, PA to acquire additional shares o f Regent Bancshares Corp.,
Philadelphia, PA equalling up to 9.9% o f total voting shares outstanding, pursuant to Section 3(a)(3)
o f the Bank Holding Company Act.
Newspaper comment period expires:
Federal Register comment period expires:

3/04/97
3/14/97

SECTION III - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL
REGISTER NOTICE ONLY
NONE
SECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL
REGISTER NOTICE OR NEW SPAPER




NONE

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 w eek ending February 14, 1997.

Identification of Ratings
In connection with the assessment o f each insured depository institution's CRA performance, a rating
is assigned from the follow ing groups:
O utstanding record o f m eeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping
to m eet 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 of m eeting 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 of m eeting 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 noncom pliance 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.
Bank/Location

Exam ination Date

CRA Rating

NONE

NONE

NONE




FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION VI - CRA EXAM SCHEDULE

(April 1. 1997 - June 30. 1997)
"Examinations may have to be rescheduled during the calendar
quarter in which they are designated to begin. If an institution's
examination is rescheduled for a date later than the end of the
date range reflected in a published schedule, the institution's
name will be republished in an appropriate later listing. Any
comments received as a result of either the first publication or
subsequent publications will be considered during the examination."
Berks County Bank
400 Washington Street
Reading,PA 19601

RSSD#
1160545

First Sterling Bank
80 W. Lancaster Avenue
Devon,PA 19333

1191398

Madison Bank
1767 Sentry Parkway West
Blue Bell, PA 19422

1399916

Pennsylvania State Bank
2148 Market Street
Camp Hill, PA 17001

1391415

First Heritage Bank
64 N Franklin Street
Wilkes Barre,PA 18701

221474




A PPLIC A TIO N S BU LLETIN
(For th e w eek ending February 1 5 ,1 9 9 7 )

SE C T IO N I - A PPLIC A TIO N S SUBJECT TO N EW SPA PER N O TIC E O NLY

NONE
SE C T IO N n - A PPLIC A TIO N S SUBJECT T O BO TH N EW SPA PER A N D FED ER A L
R EG ISTER N O TIC E

Received application from Banc One Corporation, Columbus,
Ohio, and Banc One Oklahoma Corporation, Oklahoma City,
Oklahoma, on February 5, 1997, to acquire Liberty Bancorp,
Inc., Oklahoma City, Oklahoma, and its bank and non-bank
subsidiaries.

* F: March 13, 1997

SEC TIO N H I - A PPLIC A TIO N S SUBJECT TO FED ER A L R EG ISTER N O TIC E O NLY

NONE
SEC TIO N IV - A PPLIC A TIO N S N O T SU BJEC T TO FED ER A L R EG ISTER N O TIC E
O R N EW SPA PER N O TIC 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
(February 14, 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 February 14, 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.
Provident Bank o f Kentucky
3701 Alexandria Pike
Cold Spring, KY 41076
Rating: Outstanding
Exam Date: 10-15-96
Disclosure Date: 2-13-97
RSSD #: 943518




FEDERAL RESERVE B A N K
OF CLEVELAND
P. O. Box 6387
Cleveland, Ohio 44101-1387

C R A E xam inations Scheduled
Second Q uarter 1997

Examinations may have to be rescheduled during the calendar quarter in which they are designed
to begin. If an institution’s examination is rescheduled for a date later than the end o f the date
range reflected in a published schedule, the institution’s name w ill be republished in an
appropriate later listing. Any comments received as a result o f either the first publication or
subsequent publications w ill be considered during the examination.
Fifth Third Bank o f Southern Ohio
100 South High Street
Hillsboro, OH 45133-0910

The Commercial Bank
P. O. Box 429
Delphos, OH 45833

The Savings Bank & Trust Company
P. O. Box 108
Orrville, OH 44667-0108

The Exchange Bank
P. O. Box 129
Luckey, OH 43443-0129

Somerset Trust Company
P. O. Box 777
Somerset, PA 15501-0777

Apollo Trust Company
201 North Warren Avenue
Apollo, PA 15613-0247

The Ohio Bank
P. O. Box 300
Findlay, OH 45839-0300

The Marblehead Bank
709 West Main Street
Marblehead, OH 43440

The Croghan Colonial Bank
323 Croghan Street
Fremont, OH 43420

The Ottoville Bank Company
P. O. Box 459
Ottoville, OH 45876

The Citizens Commercial Bank & Trust Co.
P. O. Box 170
Celina, OH 45822

Ohio Heritage Bank
P. O. Box 1590
Coshocton, OH 43812




Federal Reserve Bank of Richmond

Section I - Applications Subject to Newspaper
Notice Only
Application

Comment. Period Ending,,Date

Atlantic Bank, Ocean City, Maryland,
to establish a branch in the Wal-Mart
SuperCenter at 2132 Old Snow Hill Road,
Pocomoke, Maryland.*

3-8-97

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
NationsBank Corporation, Charlotte, North
Carolina, and its subsidiary, NB Holdings
Corporation, Charlotte, North Carolina, to
continue to retain in a fiduciary capacity,
through the trust departments of their sub­
sidiary banks, NationsBank, National Associa­
tion, Charlotte, North Carolina, and Nations­
Bank of Texas, National Association, Dallas,
Texas, directly or indirectly more than 5%
of the outstanding shares of voting stock of
the following:
Calvin B. Taylor Bankshares,
Inc., Berlin, Maryland, and its wholly owned
subsidiary bank; First Perry Bancorp, Inc.,
Pinckneyville, Illinois, and its wholly
owned subsidiary bank; The First National
Bank in Falfurrias, Falfurrias, Texas; First
National Security Company, De Queen, Arkansas,
and its six wholly-owned subsidiary banks;
First National Bancshares of Hempstead County,
Inc., Hope, Arkansas, and its three wholly
owned subsidiary banks.*

3-14-97**

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




Federal Reserve Bank of Richmond

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

Crestar Financial Corporation, Richmond,
Virginia, to engage ds. novo through its
subsidiary, Crestar Securities Corporation,
Richmond, Virginia, in underwriting and
dealing in certain bank-ineligible
securities acting as agent in the private
placement of all types of securities; and
buying and selling all types of securities
on the order of customers as riskless principal.

Section IV - Application Not Subject to
Federal Reg i s te r .Notice,.qx ffewgpapftiiJi&fcic.e

application
None.




3-5-97**

Federal Reserve Bank of Richmond

Section V - Availability of CRA Public Evaluations
Week ending February 14, 1997

Definition pf 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 con­
sistent 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

--- Eats__

Southern Financial Bank
37 East Main Street
Warrenton, Virginia 22186-3420




10-28-96

Rating

Satisfactory

Federal Reserve Bank of Richmond

Sfigt l M L-vi

CBft, Examinations Scheduled for ,gficpraLQwarteE..of 183.7

Examinations may have to be rescheduled during the calendar quarter in which
they are designated to begin.
If an institutions examination is rescheduled
for a date later than the end of the date range reflected in published schedule,
the institution's name will be republished in an appropriate later listing.
Any comments received as a result of either the first publication or subsequent
publications will be considered during the examination.

Commercial and Farmers Bank, Ellicott City, Maryland
FCNB Bank, Frederick, Maryland
Big Stone Gap Bank and Trust Company, Big Stone, Virginia
Union Bank and Trust Company, Bowling Green, Virginia
Bank of Hampton Roads, Chesapeake, Virginia
Bank of Marion, Marion, Virginia
Bank of McKenney, McKenney, Virginia
Heritage Bank, Norfolk, Virginia
First Sentinel Bank, Richlands, Virginia
The Commonwealth Bank, Richmond, Virginia
Consolidated Bank Trust Company, Richmond, Virginia
Prosperity Bank & Trust Company, Springfield, Virginia
Marathon Bank, Stephens City, Virginia
Northern Neck State Bank, Warsaw, Virginia
Peoples State Bank, Inc., Clarksburg, West Virginia




Federal Reserve Bank o f Atlanta
Applications Bulletin for Week Ending February 14. 1997

Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

1st United Bank
02-24-97
Boca Raton, Florida
To merge with Island National Bank and Trust Company, Palm Beach, Florida, pursuant to
Section 18(c) o f the Federal Reserve Act.
AmSouth Bank o f Tennessee
02-20-97
Chattanooga, Tennessee
To establish a branch office located at 7604 Highway 70 South, Nashville, Tennessee.

Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

The First Corporation
02-20-97
Opelika, Alabama
Newspaper
After-the-fact change in control by Joseph Lowrie Dean, Jr., to retain 132.68 percent o f the
outstanding shares o f common stock.
1st United Bancorp
03-14-97
Boca Raton, Florida
Federal Register
To acquire Island National Bank and Trust Company, Palm Beach, Florida.

Section 3 - Applications Subject to Federal Register Only
Application

Comment Period Ending Date

None.

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

Application
None.




Federal Reserve Bank of Atlanta

Applications Bulletin for Week Ending February 1 4 ,1997
Section 6 - CRA Examinations Scheduled
Exam inations may have to be rescheduled during the calendar quarter in w hich they are designated
to begin. I f an institution’s exam ination is rescheduled for a date later than the end o f the date
range reflected in a published schedule, the institution’s name w ill be republished in an
appropriate later listing. Any com m ents received as a result o f either the first publication or
subsequent publications w ill be considered during the exam ination.




C itizens Trust Bank, Atlanta, Georgia
Independent Bank o f O cala, Ocala, Florida
First N avy Bank, Pensacola, Florida
Aliant Bank, Alexandria, Alabama
Coconut G rove Bank, M iam i, Florida
Republic Security Bank, W est Palm Beach, Florida
First Bank & Trust Company o f Tennessee, Johnson C ity, Tennessee
Levy County State Bank, Chiefland, Florida
W est C oast Bank, Sarasota, Florida
Compass Bank, Birmingham, Alabama
Compass Bank, Jacksonville, Florida
Columbia Bank, Tampa, Florida
Bank at Ormond by-the-Sea, Ormond Beach, Florida
Indian Rocks State Bank, Indian Rocks Beach, Florida
Bank o f St. Petersburg, St. Petersburg, Florida
Sym m a Bank & Trust Com pany, Sym m a, Georgia
Southeastern Bank o f Florida, Alachua, Florida
First Central Bank, St. Petersburg, Florida
Fam ily Bank, H allandale, Florida
Bank o f Alabama, Birmingham, Alabama
First Independence Bank o f Florida, Fort M yers, Florida
PanAmeriean Bank, M iam i, Florida
M obile County Bank, Grand Bay, Alabama
Merchants & Fanners Bank o f Greene County, Eutaw, Alabama
First Am erican Bank o f Indian R iver County, Vero Beach, Florida

Federal Reserve Bank o f Atlanta
Applications Bulletin for Week Ending February 14. 1997

Section 10 - Availability o f CRA Public Evaluations
The CRA public evaluations o f 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 o f an institution's CRA performance, a
rating is assigned from the following groups:
O utstanding record o f m eeting com m unity credit needs: An institution 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 m eeting com m unity credit needs: An institution 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 im prove record o f m eeting com m unity credit needs: An institution 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 noncom pliance in m eeting com m unity credit needs: An institution 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.

Bank

CRA .Rating

Bank o f York
Post Office Box 96
York, Alabama 36925
(205) 392-5205

Satisfactory




Exam ination Date
11-04-96

Federal Reserve Bank o f Atlanta
Applications Bulletin for Week Ending February 14. 1997

R ecently Approved Applications

Approval D ate

Synous Financial Corp.
02-11-97
Colum bus, Georgia
N otification by Synovus Financial Corp. and its parent com pany, TB&C Bancshares, In c.,
Colum bus, G eorgia, to invest, along w ith its nonbank subsidiaries, Total System Services, In c.,
and V ital Processing Services, L .L .C ., both o f Colum bus, G eorgia, in a join t venture, G olden
Retriever System s, L .L .C ., Chandler, A rizona, and thereby engage in data processing activities,
pursuant to Section 225.25(bX 7) o f R egulation Y and Section 4(cX 8) o f the Bank H olding
Company Act.




Federal Reserve Bank o f Chicago
Section I - Applications Subject to Newspaper
Notice Only
Comment
Period

Type

Application

Ending Date

Branch

1st Source Bank
South Bend, Indiana
2900 South State Street
St. Joseph, Michigan

NP - 2-10-97

3(a)(1) Notice

Community Bank Corp.
Park Ridge, Illinois
Park Ridge Community Bank
Park Ridge, Illinois

NP - 3-8-97

NP - Newspaper
FR - Federal Register
* - Subject to Provisions o f Community Reinvestment Act
** - Not available at this time




Federal Reserve Bank o f Chicago
Section II - Applications Subject to Both Newspaper and Federal
Register N otice

Comment
Period

ly p e

Application

Ending Date

COC-HC

Antioch Holding Company
Antioch, Illinois
By Randolph S. M iles

FR - 2-20-97
N P - **

3(a)(1)

AliKat Investments, Inc.*
Gurnee, Illinois
NorthSide Community Bank
Gurnee, Illinois (in organization)

FR - 3-3-97
NP - 2-28-97

3(a)(3)

Blackhawk Bancorp, Inc.*
Beloit, W isconsin
Rochelle Bancorp, Inc.
R ochelle, Illinois
Rochelle Savings Bank, S.B .
R ochelle, Illinois

FR - 3-3-97
NP - **

3(a)(1)

Vanderbilt Holding Company, Inc.*
Fairfax, Iowa
Fairfax State Savings Bank
Fairfax, Iowa

FR - 1-24-97
NP - 3-01-97

3(a)(1)

The Connor Trusts*
M arshfield, W isconsin
Pioneer Bancorp, Inc.
Auburndale, W isconsin
Pioneer State Bank
Auburndale, W isconsin

FR - 2-28-97
NP - 2-24-97




Federal Reserve Bank o f Chicago
Section II - Applications Subject to Both Newspaper and Federal
Register N otice cont’d

Comment
Period
Ending Date

Type

Application

3(a)(1)

Pioneer Bancorp, Inc.*
Auburndale, W isconsin
Pioneer State Bank
Auburndale, W isconsin

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)

Firstbank o f Illinois C o.*
Springfield, Illinois
BanCentral Corporation
Champaign, Illinois
Central National Bank o f Mattoon
Mattoon, Illinois

FR - 2-14-97
NP - 2-3-97

3(a)(1)

First Equity Corp.*
Skokie, Illinois
1st Equity Bank
Skokie, Illinois (in organization)

FR - 2-27-97
NP - 3-10-97

3(a)(1)

Bando M cGlocklin Capital Corporation*
Pewaukee, W isconsin
InvestorsBank
Pewaukee, W isconsin (in organization)

FR - 12-27-96
NP - 12-23-%

3(a)(1)

FBIC Subsidiary, Inc.*
Springfield, Illinois
BanCentral Corporation
Champaign, Illinois
Central National Bank o f Mattoon
Mattoon, Illinois

FR - 2-14-97
NP - 2-3-97




Federal Reserve Bank of Chicago
Section III - Applications Subject to Federal Register
N otice Only

Comment
Period

ly p e

Application

Ending Pate

4(c)(8)

Verm ilion Bancorp, Inc.
D anville, Illinois
To engage d£ novo in the activity
o f lending funds to the ESOP and making and servicing
loans.

F R - 2-11-97

4(c)(8)

Blackhawk Bancorp, Inc.
Beloit, W isconsin
Midland Acceptance Corporation
R ochelle, Illinois

FR - 3-3-97

4(c)(8)

HPK Financial Corporation
Chicago, Illinois
Mortgage Service America, Inc.
Lombard, Illinois

FR - 3-5-97

4(c)(8)

Stichting Admimistratiekantoor ABN AMRO Holding
Amsterdam, The Netherlands
Standard Federal Bancorporation, Inc.
Troy, M ichigan
Standard Federal Bank
Troy, M ichigan
Standard Brokerage Services, Inc
Troy, M ichigan

FR - 3-4-97

4(c)(8)

ABN AMRO Bank N .V .
Amsterdam, The Netherlands
Standard Federal Bancorporation, Inc.
Troy, M ichigan
Standard Federal Bank
Troy, M ichigan
Standard Brokerage Services, Inc
Troy, M ichigan

FR - 3-4-97




Federal Reserve Bank o f Chicago
Section III - Applications Subject to Federal Register
N otice Only - cont’d

Comment
Period
Ending Date

Type

Application

4(c)(8)

Stichting Prioriteit ABN AMRO Holding
Amsterdam, The Netherlands
Standard Federal Bancorporation, Inc.
Troy, M ichigan
Standard Federal Bank
Troy, M ichigan
Standard Brokerage Services, Inc
Troy, M ichigan

FR - 3-4-97

4(c)(8)

ABN AMRO Holding, N .V .
Amsterdam, The Netherlands
Standard Federal Bancorporation, Inc.
Troy, M ichigan
Standard Federal Bank
Troy, M ichigan
Standard Brokerage Services, Inc
Troy, M ichigan

FR - 3-4-97

4(c)(8)

ABN AMRO North America, Inc.,
Chicago, Illinois
Standard Federal Bancorporation, Inc.
Troy, M ichigan
Standard Federal Bank
Troy, M ichigan
Standard Brokerage Services, Inc
Troy, M ichigan

FR - 3-4-97

4(c)(8)

Bando M cGlocklin Capital Corporation
Pewaukee, W isconsin
Bando M cGlocklin Investment Corporation
Pewaukee, W isconsin
Bando M cGlocklin Small Business Lending Company
Pewaukee, W isconsin

FR - 12-27-96




Federal Reserve Bank o f Chicago
Section IV - Applications Not Subject to Federal Register or Newspaper Notice

Type

Application

ROS-HC

Anchor Bancorporation, Inc.
Farmer C ity, Illinois
To redeem 105 shares o f outstanding shares




Federal Reserve Bank of Chicago
Section V - Availability o f CRA Public Evaluations

The follow ing state member banks have been examined by the Federal Reserve Bank o f Chicago for
com pliance with the CRA. The 30-business day period the bank has to make the evaluation public has
lapsed during the week ending February 14, 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 m eet 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-

An institution in this group has a satisfactory record o f ascertaining and helping
to m eet 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 o f ascertaining
and helping to m eet the credit needs o f 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 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 capabilies.
BANK NAME/LOCATION

EXAMINATION DATE

RATINGS

Citizens Bank and Trust Company
822-824 12th Street
Belle Plaine, Iowa 52208-0159
(319) 444-2842

10/17/96

O

F&M Bank-Waushara County
123 East Main Street
Wautoma, W isconsin 54982
(414) 787-3351

10/15/96

0




Federal Reserve Bank of Chicago
Section V - Availability o f CRA Public Evaluations
cont’d

BANK NAME/LQCATIQN

EXAM INATION DATE

RATINGS

F&M Bank-W innebago County
124 East M ain Street
P.O . B ox 501
Omro, W isconsin 54963-0501

10/15/96

s

"R olling H ills Bank & Trust
1307 East 7th Street
A tlantic, Iowa 50022
(7 1 2 ) 2 4 3 -2 2 4 4




1 0 /2 2 /9 6

o

Federal Reserve Bank of Chicago
Section VI - CRA Examinations Scheduled
The following state member banks are tentatively scheduled for a CRA examination during the second quarter of
1997. Examinations may have to be rescheduled during the calendar quarter in which they are designated to
begin. If an institution’s examination is scheduled for a date later than the end of the date range reflected in a
published schedule, the institution’s name will be republished in an appropriate later listing. Any comments
received as a result of either the first publication or subsequent publications will be considered during the
examination.
1

.

2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.
39.
40.
41.
42.
43.

Bank One, Champaign-Urbana
Bank One, Springfield
Old Kent Bank
Pullman Bank and Trust Company
First Bank South
LaSalle Bank Illinois
Bank of America Illinois
The First Commercial Bank
First State Bank of Maple Park
North Shore Community Bank and Trust
The State Bank of Geneva
NAB Bank
Farmers State Bank of Western Illinois
First Bank North
Union Bank Sandwich
First Security Bank of Cary-Grove
Kansas State Bank
UnionBank
The Farmers Bank of Mt. Pulaski
The Northern Trust Company
Parish Bank and Trust Company
1st Source Bank
Central Bank
The Farmers State Bank
Community State Bank
Hendricks County Bank and Trust Company
The Friendship State Bank
First State Bank of Porter
Bank of Geneva
The Fifth Third Bank of Central Indiana
Peoples Bank and Trust Company
The Security Trust & Savings Bank
Iowa State Bank
Iowa Trust & Savings Bank
Cedar Valley State Bank
Quad City Bank and Trust Company
Security Savings Bank
Clear Lake Bank and Trust Company
American Trust & Savings Bank
Mercantile Bank of Western Iowa
Titonka Savings Bank
Security Trust & Savings Bank
St. Ansgar State Bank




Champaign, Illinois
Springfield, Illinois
Elmhurst, Illinois
Chicago, Illinois
Dixon, Illinois
Franklin Park, Illinois
Chicago, Illinois
Chicago, Illinois
Maple Park, Illinois
Wilmette, Illinois
Geneva, Illinois
Chicago, Illinois
New Windsor, Illinois
Freeport, Illinois
Sandwich, Illinois
Cary, Illinois
Kansas, Illinois
Streator, Illinois
Mount Pulaski, Illinois
Chicago, Illinois
Momence, Illinois
South Bend, Indiana
Russiaville, Indiana
Brookston, Indiana
Avilla, Indiana
Brownsburg, Indiana
Friendship, Indiana
Porter, Indiana
Geneva, Indiana
Indianapolis, Indiana
Sunman, Indiana
Shenandoah, Iowa
Sheldon, Iowa
Emmetsburg, Iowa
Saint Ansgar, Iowa
Bettendorf, Iowa
Famhamville, Iowa
Clear Lake, Iowa
Dubuque, Iowa
Des Moines, Iowa
Titonka, Iowa
Storm Lake, Iowa
Saint Ansgar, Iowa

Federal Reserve Bank of Chicago
Section VI - CRA Examinations Scheduled
cont’d
44.
45.
46.
47.
48.
49.
50.
51.
52.
53.
54.
55.
56.
57.
58.
59.
60.
61.
62.
63.
64.
65.

Fort Madison Bank and Trust Co.
Bank o f Lakeview
M idwest Guaranty Bank
Chemical Bank and Trust Company
Old Kent Bank
Byron Center State Bank
Grayling State Bank
Valley Ridge Bank
Chelsea State Bank
Tri-County Bank
Chemical Bank M ichigan
M&I Central Bank & Trust
M&I First American Bank
M&I Bank-South Central
Farmers & Merchants Bank o f Orfordville
M&I Bank o f Menomonee Falls
M&I Northern Bank
Baylake Bank
Fortress Bank o f Westby
First Banking Center-Burlington
M&I Bank o f Janesville
Firstar Bank W isconsin




Fort M adison, Iowa
Lakeview, Michigan
Troy, M ichigan
Midland, M ichigan
Grand Rapids, Michigan
Byron Center, M ichigan
Grayling, M ichigan
Kent City, Michigan
Chelsea, M ichigan
Brown C ity, Michigan
Clare, M ichigan
M arshfield, W isconsin
Wausau, W isconsin
Watertown, W isconsin
Orfordville, W isconsin
Menomonee Falls, W isconsin
Brookfield, W isconsin
Sturgeon Bay, W isconsin
W estby, W isconsin
Burlington, W isconsin
Janesville, W isconsin
M adison, W isconsin

Federal R eserve Bank o f St. Louis
FO R TH E W EEK EN D IN G FEBR U A R Y 14, 1997

SEC TIO N I - A PPLIC A TIO N S SUBJECT TO N EW SPA PER N O TIC E
A pp lication

E nd o f C om m ent Period

N one.

SECTIO N II - A PPLIC A TIO N S SU BJEC T TO BO TH
NEW SPAPER A ND FED ER AL R EG ISTER N O TIC E
A p p lication

E nd o f C om m ent Period

N one.

SEC TIO N III - A PPLIC ATIO N S SU BJEC T TO FED ER AL R EG ISTER NO TICE
A pplication

E nd o f Com m ent Period

N one.

SEC TIO N IV - A PPLIC ATIO N S N O T SUBJECT TO FED ER A L R EG ISTER N O TIC E
O R N EW SPA PER N O TIC E
A p p lication
N one.




E nd o f C om m ent Period

FEDERAL RESERVE BANK OF ST, LOUIS
F O R T H E W E E K E N D IN G February 14,1997

S E C T IO N V - A V A IL A B IL IT Y O F C R A P U B L IC D IS C L O S U R E S

Identification of Ratings:
Outstanding record o f meeting community credit needs
A n in stitu tio n in th is g ro u p h as an o u tstan d in g re c o rd o f , a n d is a le a d e r in , a s c e rta in in g a n d h elp in g
to m e e t th e c r e d it n e e d s o f its e n tire d e lin e a te d c o m m u n ity , in c lu d in g lo w - a n d m o d e ra te -in c o m e
n e ig h b o rh o o d s , in a m a n n e r c o n siste n t w ith its re s o u rc e s a n d c a p a b ilitie s.

Satisfactory record o f meeting community credit needs
A n in s titu tio n in th is g ro u p h a s a sa tisfa c to ry re c o rd o f a s c e rta in in g a n d h e lp in g to m e e t th e c re d it
n ee d s o f its a t t i r e d e lin e a te d c o m m u n ity , in c lu d in g lo w - a n d m o d e ra te -in c o m e n e ig h b o rh o o d s , in a
m a n n e r c o n s is te n t w ith its re s o u rc e s a n d c a p a b ilitie s.

Needs to improve record o f meeting community credit needs
A n in s titu tio n in th is g ro u p n e e d s to im p ro v e its o v e ra ll re c o rd o f a sc e rta in in g a n d h e lp in g to m e e t
th e c r e d it n e e d s o f its e n tire d e lin e a te d c o m m u n ity , in c lu d in g lo w - a n d m o d e ra te -in c o m e
n e ig h b o rh o o d s , in a m a n n e r c o n siste n t w ith its re s o u rc e s a n d c a p a b ilitie s.

Substantial noncompliance in meeting community credit needs
A n in s titu tio n in th is g ro u p h a s a su b sta n tia lly d e fic ie n t re c o rd o f a s c e rta in in g a n d h e lp in g to m e e t
th e c r e d it n e e d s o f its e n tire d e lin e a te d c o m m u n ity , in c lu d in g lo w - a n d m o d e ra te -in c o m e
n e ig h b o rh o o d s , in a m a n n e r c o n siste n t w ith its re s o u rc e s a n d c a p a b ilitie s.
N a m e o fB a lik

B a n k A d d re ss

E x a m in a tio n

E x a m in a tio n
R a tin g

M id -A m e ric a B a n k o f
L o u isv ille & T ru s t
C o m p an y




L o u is v ille , K e n tu c k y

0 9 /2 6 /9 6

S a tisfa c to ry

Federal R eserve Bank o f St. Louis
FOR THE WEEK ENDING FEBRUARY 14,1997
SECTION VI - CRA EXAMINATIONS SCHEDULED
Examinations may have to be rescheduled during the calendar quarter in which they are designated
to begin. I f an institution's examination is rescheduled for a date later than the end o f the date
range reflected in a published schedule, the institution's name w ill be republished in an
appropriate later listing. Any comments received as a result o f either the first publication or
subsequent publications w ill be considered during the exam ination.
Name

City

State

Heber Springs State Bank

Heber Springs

Arkansas

Arkansas Bankers Bank

Little Rock

Arkansas

Eagle Bank and Trust Company

Little Rock

Arkansas

Pulaski Bank and Trust Company

Little Rock

Arkansas

C itizens Bank

Marion

Arkansas

Farmers and Merchants Bank

Prairie Grove

Arkansas

First Bank o f Arkansas

Searcy

Arkansas

First Illinois Bank

East St. Louis

Illinois

The State Bank o f Jerseyville

Jerseyville

Illinois

The State Bank o f Lima

Lima

Illinois

First State Bank o f Red Bud

Red Bud

Illinois

C itizens State Bank o f Petersburg

Petersburg

Indiana

Truman Bank

Clayton

M issouri

Bay-Hermann-Berger Bank

Hermann

M issouri

Peoples Bank and Trust Company o f Lincoln County

Troy

M issouri




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section I - Applications Subject to
Ne w s p a p e r Notice Only

A pplication

Comment Period
Ending Date

B a y Bankcorp, Inc., Gladstone, Michigan, for prior

February 25, 1997

approval to b e c o m e a bank holding c o m p a n y through
the acquisition of 1 0 0 % of the voting shares of baybank,
Gladstone, Michigan.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section II - Applications Subject to Both
N e w s p a p e r and Federal Register Notice
C o m m e n t Period
A pplication

Ending Date

T C F Colorado Corporation, Englewood, Colorado

M a r c h 14, 1997

for prior approval to b e c o m e a bank holding c o m p a n y

(Federal Register)

through the acquisition of 1 0 0 % of the voting shares
of T C F National B a n k Colorado, Englewood, Colorado. *
T C F National B a n k Minnesota, Minneapolis, Minnesota

M a r c h 14, 1997

for prior approval to b e c o m e a bank holding c o m p a n y

(Federal Register)

through the acquisition of 1 0 0 % of the voting shares of
each of the following: T C F National B a n k Illinois, Chicago,
Illinois and T C F National B a n k Wisconsin, Milwaukee, Wisconsin.*
Great Lakes National B a n k Michigan, A n n Arbor, Michigan

M a r c h 14, 1997

for prior approval to b e c o m e a bank holding c o m p a n y
through the acquisition of 1 0 0 % of the voting shares of

(Federal Register)

Great Lakes National B a n k Ohio, Hamilton, Ohio. *
T C F Financial Corporation, Minneapolis, Minnesota

M a r c h 14, 1997

for prior approval to b e c o m e a bank holding c o m p a n y
through the acquisition of 1 0 0 % of the voting shares
of each of the following: T C F National B a n k Minnesota,
Minneapolis, Minnesota, T C F National B a n k Illinois, Chicago,
Illinois, Great Lakes National B a n k Ohio, Hamilton, Ohio,
T C F National B a n k Colorado, Englewood, Colorado, T C F
National B a n k Wisconsin, Milwaukee, Wisconsin, Great Lakes
National B a n k Michigan, A n n Arbor, Michigan and, T C F Colorado

(Federal Register)

Corporation, Englewood, Colorado. *
T h e Winton Jones Revocable Trust of 1997, and Carl Jones,
Christopher Jones, and Richard M c M a h o n as trustees to acquire
control of 1 0 0 % of the voting preferred shares of Anch or Bancorp, Inc.,
Wayzata, Minnesota.

* Subject to CRA




N o t yet available

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section III - Applications Subject
to Federal Register Notice Only
Comment Period
Ending Date

Application
TCF Financial Corporation, Minneapolis, Minnesota
to engage in securities brokerage and investment
advisory activities through the acquisition o f TCF
Securities, Inc., St. Paul, Minnesota.

March 14,1997

Community First Bankshares, Inc., Fargo, North Dakota
to engage d e n o v o in leasing personal or real property.

Not yet available

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
NONE.




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability o f
CRA Public Evaluations
week ending February 14,1997

ASSIGNMENT OF RATING
Identification of Ratings
In connection with the assessment of each insured depository institution's C R A 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 OF M E E T I N G C O M M U N I T Y CREDIT NEEDS.
A n 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 nn er consistent with its resources and capabilities.
SA TI SF AC TO RY R E C O R D O F M E E T I N G C O M M U N I T Y CREDIT NEEDS.
A n 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 m a nn er
consistent with its resources and capabilities.
N E E D S T O I M P R O V E R E C O R D OF M E E T I N G C O M M U N I T Y CREDIT NEEDS.
A n 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 m a nn er consistent with its resources and capabilities.
S U B S T A N T I A L N O N C O M P L I A N C E IN M E E T I N G C O M M U N I T Y C R E D I T N E E D S .
A n 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
m a nn er consistent with its resources and capabilities.
BANKfSI E X A M I N E D

DATE OF EXAMINATION

CRA RATING

American State B a n k
700 East Sioux
P.O. B o x 1178

N o v e m b e r 4, 1996

Outstanding

Pierre, S D 57501-1178




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V I - C R A Examinations
Scheduled to'Begin in the Period April 1, 1997 - June 30, 1997

Examinations m a y have to be rescheduled during the calendar quarter in which they are designed to
begin. If an institution's examination is rescheduled for a date later than the end of the date range
reflected in a published schedule, the institution's n a m e will be republished in an appropriate later listing.
A n y c o m m e n t s received as a result of either the first publication or subsequent publications will be
considered during the examination. Written c o m m e n t s regarding the C R A performance of these
institutions should be directed to Ms. Jacquelyn Brunmeier at the Federal Reserve B a n k of Minneapolis,
Banking Supervision Department, P.O. B o x 291, Minneapolis, M N 55480-0291.
Bank N a m e

City

State

Farmers State B a n k of Madelia, Inc.
Pioneer B a n k

Madelia
Mapleton

Minnesota
Minnesota

First State B a n k of R u s h m o r e

Rushmore

Minnesota

Citizens State B a n k of St. James

St. James

Minnesota
Minnesota

Liberty State B a n k

St. Paul

Victoria State B a n k

Victoria
Wadena

W a d e n a State B a n k
W e l c o m e State B a n k
Farmers State B a n k of W e s t Concord

Welcome
W e s t Concord

Chey en ne Western B a n k
Citizens B a n k & Trust C o m p a n y

Ashland
Big Timber

Stockmens B a n k

Cascade

Farmers State B a n k of M o n t a n a

Conrad
Denton
Glasgow

Farmers State B a n k of Denton

First Community Bank
Flint Creek Valley Bank
Valley Bank of Ronan
Security State Bank of Edgeley
First Western Bank &Trust
Farmers State Bank
Dacotah Bank
M & I Bank o f Eagle River
M & I Bank, Ashland
M & I Community State Bank
M & I Bank of La Crosse
M & I Citizens American Bank
M & I Merchants Bank
M & I Bank
F&M Bank - Lakeland




Minnesota
Minnesota
Minnesota
Minnesota
Montana
Montana
Montana
Montana

Ronan

Montana
Montana
Montana
Montana

Edgeley
Minot
Faith
Mobridge
Eagle River
Ashland
Eau Claire
La Crosse
Merrill
Rhinelander
Superior
Woodruff

North Dakota
North Dakota
South Dakota
South Dakota
Wisconsin
Wisconsin
Wisconsin
Wisconsin
Wisconsin
Wisconsin
Wisconsin
Wisconsin

Philipsburg

K A N SA S C ITY R ESER V E BA NK A PPLIC A TIO N S A N D R EPO R TS R EC EIV ED
During the w eek ending February 14, 1997
SEC TIO N I - A PPLIC A TIO N S SUBJECT TO N EW SPA PER N O TIC E O N LY
APPLICATION

COMMENT PERIOD

acinicSPA TE

N one.
SEC TIO N II - A PPLIC A TIO N S SUBJECT TO BO TH
N EW SPA PER A N D FED ER A L R EG ISTER N O TIC E

c nic
COMMENT PERIOD. a i S PA T E

APPLICATION
Clayton L. Green, Jr., Lawton, Oklahoma, for prior
approval to acquire an additional 86.25 percent o f the
voting shares o f B .O .E . Bancshares, Inc., Elgin,
Oklahoma.

February 2 6 , 1997

Matthew L ey, as Trustee, for prior approval to
increase ownership interest from 2 .7 percent to 4 0 .9
percent o f the voting shares o f State National
Bancshares, In c., W ayne, Nebraska.

N ot A vailable

Benedict Enslinger, Trustee; Benedict Enslinger
Revocable Trust, LaCrosse, Kansas, for prior
approval to increase ownership from 10.66 percent to
11.96 percent o f the voting shares o f NSB Bancshares,
In c., LaC rosse, Kansas.

N ot A vailable

Robert S. A ppel, Roger L. R eisher, and W illiam P.
Johnson, as Trustees, all o f Lakewood, Colorado, to
acquire a total o f 2 6 .8 percent o f the voting shares o f
FirstBank H olding Company o f Colorado, Lakewood,
C olorado.

N ot A vailable

SEC TIO N III - A PPLIC A TIO N S SUBJECT TO FED ER AL R EG ISTER N O TIC E ONLY
APPLICATION

None.




COMMENT PERIOD ENDING. DATE

S E C T IO N IV - A P P L IC A T IO N S 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 N O T IC E

APPLICATION

N one.
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 I C E V A L U A T IO N S
I d e n ti f i c a t io n o f R a t i n g s

In connection w ith the assessm ent o f each insured depository institution's CRA perform ance, a
rating is assigned from the follow ing 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 o f ascertaining and helping to m eet
the credit needs o f its entire delineated com m unity, including low - and m oderate-incom e
neighborhoods, in a manner consistent with its resources and capabilities.
S a t i s f a c t o 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 m eet
the credit needs o f its entire delineated com m unity, including low - and m oderate-incom e
neighborhoods, in a manner consistent w ith its resources and capabilities.
N e e d s t o i m 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 o f ascertaining and helping
to m eet the credit needs o f its entire delineated community, including low - and moderateincom e neighborhoods, in a manner consistent w ith its resources and capabilities.
S u b s ta n t ia l n o n c o m p lia n c e i n 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 o f ascertaining and helping
to m eet the credit needs o f its entire delineated community, including low - and moderateincom e neighborhoods, in a manner consistent w ith its resources and capabilities.

Bank/Location

None.




Exam Date

CRA Public
Date

CRA
Rating

YL__ CRA^Exam inations Scheduled for the 2nd and 3rd Quartecs-of 1997




BAKKLNAME

CITY

STATE

Bankers’ Bank o f the W est
Tri-State Bank
Eaton Bank
Bank o f Colorado-W estern Slope
Community Bank o f Parker
R io Blanco State Bank
Rocky M ountain State Bank
The Fidelity State Bank & Trust
Bankwest
Premier Bank
The St. Marys State Bank
Boatm en’s Bank o f Southwest MO
The Heritage Bank o f St. Joseph
Farmers State Bank
The Farmers State Bank & Trust
C itizens Bank
Crete State Bank
Gretna State Bank
Farmers State Bank & Trust
H avelock Bank
The Farmers Bank o f Lincoln
First United Bank
State Bank
C itizens State Bank
Schuyler State Bank & Trust
Farmers State Bank o f Superior
Farmers State Bank
C itizens Bank o f Ardmore
The C itizens Bank o f Edmond
The First Bank o f H askell
Grant County Bank
The M orris State Bank
W eleetka State Bank
Security State Bank o f Basin
Oregon Trail Bank
Riverton State Bank
Sundance State Bank
C itizens Bank & Trust C o.
U nion State Bank
Stockgrowers State Bank

D enver
Denver
Eaton
Grand Junction
Parker
Rangely
Rangely
D odge City
Goodland
Lenexa
St. Marys
Carthage
St. Joseph
Stanberry
Aurora
Bancroft
Crete
Gretna
Lexington
Lincoln
Lincoln
N eligh
Palmer
Polk
Schuyler
Superior
W allace
Ardmore
Edmond
Haskell
M edford
M orris
W eleetka
Basin
Guernsey
Riverton
Sundance
Torrington
Upton
Worland

CO
CO
CO
CO
CO
CO
CO
KS
KS
KS
KS
MO
MO
MO
NE
NE
NE
NE
NE
NE
NE
NE
NE
NE
NE
NE
NE
OK
OK
OK
OK
OK
OK
WY
WY
WY
WY
WY
WY
WY

Exam inations may have to be rescheduled during the calendar quarter in
w hich they are designated to begin. If an institution’s exam ination is
rescheduled for a date later than the end o f the date range reflected in a
published schedule, the institution’s name w ill be republished in an
appropriate later listing. Any comments received as a result o f either the
first publication or subsequent publications w ill be considered during the
exam ination.
♦Application is subject to CRA.




FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF FEBRUARY 10, 1997
SECTION I • APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
APPLICATION

I
M

LCL-EXB

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

** NOTICE EXP

Change in Control Notice by
Clyde Crews, as trustee, San Antonio,
TX, to acquire an interest in
InterContinental Bank Shares Corporation,
San Antonio, TX

N/A

*Section 3(a)(1) application by
ANB Bancshares, Inc., Gonzales, TX, to
acquire ANB Nevada Group, Inc., Carson
City, NV, and American National Bank,
Gonzales, TX

N/A

*Section 3(a)(1) application by
ANB Nevada Group, Inc., Carson City, NV,
to acquire American National Bank,
Gonzales, TX

N/A

Change in Control Notice by
Cecil R. Simmons, trustee, San Benito, TX,
to acquire an interest in First San Benito
Bancshares, Inc., San Benito, TX

N/A

*Section 3(a)(1) application by
Eagle Bancshares, Inc., Fairfield, TX, to
acquire Fairfield Holdings, Inc., Fairfield,
TX, and First National Bank of Fairfield,
Fairfield, TX
(Previously reported during the week of 1-27-97)




97/03/01

*Section 3(a)(1) application by
Fairfield Holdings, Inc., Fairfield, TX,
to acquire First National Bank of Fairfield,
Fairfield, TX
(Previously reported during the week of 1-27-97)

*Section 3(a)(1) application by
Krum Holdings, L.L.C., Krum, TX,
to acquire Porter Holdings, Ltd.,
Krum, TX, and Farmers and Merchants
State Bank, Krum, TX
(Previously reported during the week of 1-27-97)
*Section 3(a)(1) application by
Porter Holdings, Ltd., Krum, TX,
to acquire Farmers and Merchants
State Bank, Krum, TX
(Previously reported during the week of 1-27-97)

97/03/01

97/03/01

97/03/01

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 QF CRA PUBLIC EVALUATIONS
FOR THE W
EEK OF FEBRUARY IQ , 1997
Outstanding record of meeting community credit needs.

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

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

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

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

Bank
First State Bank
Main & Dundee
P. 0. Drawer B
Matador, TX 79244
367552




Date of
Examination

CRA Ratina

96/11/04

Satisfactory

SECTION VI - CRA EXAMINATIONS SCHEDULED

(2nd Qtr. 1997)

Examinations may have to be rescheduled during the calendar quarter in which
they are designated to begin. If an institution's examination is rescheduled
for a date later than the end of the date range reflected in a published
schedule, the institution's name will be republished in an appropriate later
listing. Any comments received as a result of either the first publication or
subsequent publications will be considered during the examination.

Bank
Community Bank
Katy, Texas
789257
Silsbee State Bank
Silsbee, Texas
404569
Texas State Bank
McAllen, Texas
1017658
Western Bank
Lordsburg, New Mexico
723653







FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 2/14/97
Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Endilna Date

Valley Community Bank, Encino, California, to
become a member of the Federal Reserve System. *

Newspaper:

Not available

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
U.S. Bancorp, Portland, Oregoon, to acquire
Business & Professional Bank, Woodland,
California. *

Newspaper:

Not available

Fed. Rea.:

3/03/97

Section III -Applications Subject to Federal Register Only
None

Section IV - Applications Not Sub.iect to Federal Register Notice
or Newspaper Notice (Cont’d.)
Humboldt Bank, Eureka, California, to invest $2 million in the common stock of Bancorp
Financial Services, Inc., Sacramento, California.

* Subject to CRA.




FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 2/14/97
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during this
week. Information about a particular institution’s CRA evaluation may be obtained
directly from the institution.
Institution

Location

Bank of Utah

2605 Washington Blvd.
PO Box 231
Ogden, Utah 84402-0231

Examination Date
10/15/96

Rating*
Outstanding

*Under the rating system an institution's CRA performance is assigned one of the
fol1owi ng four rati ngs:
Outstanding record of meeting community credit needs:
An institution has an
outstanding record of, and is a leader in, ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs:
An institution has a
satisfactory record of ascertaining and meeting the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
Needs to Improve record of meeting community credit needs: An institution needs to
improve its overall record of ascertaining and helping to meet the credit needs of its
entire delineated community, including low- to 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- to moderate-income neighborhoods, in
a manner consistent with its resources and capabilities.




The above listing has been prepared as a courtesy by the Federal Reserve Bank of San
Francisco, and is not intended to replace formal notices required by statute or
regulation; the Reserve Bank assumes no responsibility for errors or omissions.

Week ending 2/14/97
Section VI - CRA Examinations Scheduled
Pursuant to the requirements of Section 228.45 Regulation BB (Community Reinvestment
Act or CRA), the following is a tentative schedule of CRA examinations planned for the
second quarter of 1997. The data are being provided for your information should you
wish to share comments with this Reserve Bank regarding the CRA performance of a
scheduled bank's examination.
Examinations may have to be rescheduled during the calendar quarter in which they are
designated to begin. If an institution's examination is rescheduled for a date later
than the end of the date range reflected in a published schedule, the institution's
name will be republished in an appropriate later listing. Any comments received as a
result of either the first publication or subsequent publications will be considered
during the examination. Written comments should be directed to W. Gordon Smith at the
Federal Reserve Bank of San Francisco, Division of Banking Supervision and Regulation
(MS 620), 101 Market Street, San Francisco, California 94105.
Name
American Pacific State Bank
Bank of Lake County
California United Bank
First Utah Bank
Garfield Bank
Guardian State Bank
Home Valley Bank
Humboldt Bank
Ireland Bank
Liberty Bank
Oregon Pacific Banking Company
Santa Barbara Bank & Trust
Silicon Valley Bank
Southern California Bank
Sun City Bank, The
Tehaitia County Bank
Utah Independent Bank
Valley Bank of Arizona
Verdugo Banking Company




City
Sherman Oaks
Lakeport
Encino
Salt Lake City
Montebello
Salt Lake City
Cave Junction
Eureka
Mai ad City
South San Francisco
Florence
Santa Barbara
San Jose
Anaheim
Sun City
Red Bluff
Salina
Phoenix
Glendale

State
Cal iform' a
California
California
Utah
California
Utah
Oregon
California
Idaho
California
Oregon
California
California
California
Ari zona
California
Utah
Arizona
California

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