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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H.2, 1993, No. 8
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending February 20, 1993

ACTIONS TAKEN BY THE BOARD OF GOVERNORS
TESTIMONY AND STATEMENTS
Monetary policy objectives — statement by Chairman
Greenspan before the Senate Committee on Banking.
Housing, and Urban Affairs, February 19, and the
House Committee on Banking, Finance and Urban
Affairs, February 23, 1993.
Authorized, February 18, 1993.
Regulatory burden -- statement by Governor LaWare
before the Subcommittee on Financial Institutions
Supervision, Regulation and Deposit Insurance of
the House Committee on Banking, Finance and Urban
Affairs, February 18, 1993.
Published, February 18, 1993.
Community Reinvestment Act — statement by Governor
Lindsey before the Subcommittee on Consumer Credit
and Insurance of the House Committee on Banking.
Finance and Urban Affairs, February 18, 1993.
Authorized, February 17, 1993.
BANK BRANCHES, DOMESTIC
Jackson State Bank, Jackson, Wyoming -- request for
reconsideration and stay of Board7s order approving
application to merge with The State Bank, West, and
to establish a branch.
Denied, February 19, 1993.
BANK HOLDING COMPANIES




Broadstreet, Inc., Atlanta, Georgia -- to acquire
AmTrade International Bank of Georgia.
Approved, February 17, 1993.
Broadstreet, Inc., Atlanta, Georgia — to establish
AmTrade International Bank of Florida, Miami,
Florida, as an agreement corporation.
Approved, February 17, 1993.
First Insurance Finance Company, Des Moines, Iowa -to acquire Farmers and Miners State Bank, Lucas,
Iowa.
Approved, February 17, 1993.

H 2
FEBRUARY 16, 1993
PAGE 2

TO

FEBRUARY 19, 1993

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANK HOLDING COMPANIES
Long-Term Credit Bank of Japan, Tokyo, Japan -- to
engage de novo in various interest rate and
currency swap activities through Greenwich Capital
Derivatives, Inc., Greenwich, Connecticut, and
Greenwich Capital Markets, Inc.
Permitted, February 16, 1993.
Long-Term Credit Bank of Japan, Tokyo, Japan -- to
engage de novo in various activities, including
private placement, riskless principal, full-service
brokerage, and futures commission merchant
activities, and trading foreign exchange related
products through Greenwich Capital Markets, Inc.,
Greenwich, Connecticut, and Greenwich Asset
Management, Inc.
Permitted, February 16, 1993.
MEMBERSHIP




AmTrade International Bank of Georgia, Atlanta,
Georgia — to become a member of the Federal
Reserve System.
Approved, February 17, 1993.

H .2
FEBRUARY 16,
PAGE
3

1993

TO

FEBRUARY 19,

1993

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

Old Kent Bank and Trust Company, Grand Rapids,
Michigan -- to establish a branch at 6210 Kalamazoo
Avenue, Kentwood, Michigan.
Approved, February 16, 1993.

Atlanta

Trust Company Bank, Atlanta, Georgia -- to establish
an off-site automated teller machine at 1133 Eagles
Landing Parkway, Stockbridge, Georgia.
Approved, February 19, 1993.

BANK HOLDING COMPANIES




St. Louis

Chambers Bancshares, Inc., Danville, Arkansas -- to
acquire Scott County Bank, Waldron, Arkansas.
Approved, February 16, 1993.

St. Louis

Chambers Bancshares, Inc., Danville, Arkansas -- to
acquire Bank of Amity, Amity, Arkansas.
Approved, February 16, 1993.

Dallas

First Amarillo Bancorporation, Inc., Amarillo,
Texas -- to acquire The Bank of New Mexico Co.,
Albuquerque, New Mexico.
Returned, February 17, 1993.

Chicago

Gibson Investment Company, Gibson, Iowa -- to acquire
Wingo, Ltd., Brooklyn, Iowa, and Poweshiek County
Savings Bank.
Approved, February 18, 1993.

San Francisco

Independent Bancorp of Arizona, San Francisco,
California — to acquire Independent Banks of
Arizona, Phoenix, Arizona.
Approved, February 17, 1993.

New York

Internationale Nederlanden Group N.V., Amsterdam, The
Netherlands — to engage de novo in securities
brokerage and investment advisory activities
through Internationale Nederlanden Securities
Corporation, New York, New York.
Returned, February 18, 1993.

H .2

FEBRUARY 16, 1993
PAGE 4

TO

FEBRUARY 19, 1993

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

BANK HOLDING COMPANIES
New York

Internationale Nederlanden Group N.V., Amsterdam, The
Netherlands — to engage de novo in certain lending
activities through Internationale Nederlanden (US)
Capital Corporation, New York, New York.
Returned, February 18, 1993.

New York

Long-Term Credit Bank of Japan, Limited, Tokyo, Japan
— to engage in providing advisory and real-estate
advisory activities through Peers Holdings Inc.,
New York, New York.
Approved, February 19, 1993.

Philadelphia

NBNA Corporation, Newark, Delaware -- to engage in
consumer loans secured by second mortgages and
credit related insurance through NBNA Consumer
Services, Inc.
Permitted, February 17, 1993.

St. Louis

Union Planters Corporation, Memphis, Tennessee -- to
acquire Farmers Union Bank, Ripley, Tennessee.
Approved, February 19, 1993.

BANK MERGERS




San Francisco

Humboldt Bank, Eureka, California -- to acquire two
branches of HomeFed Bank, F.A., San Diego,
California.
Approved, February 19, 1993.

San Francisco

Independent Bancorp of Arizona, Phoenix, Arizona -to merge with Caliber Bank.
Approved, February 17, 1993.

Secretary

Security Bank and Trust Company, Southgate, Michigan,
to merge with First of America Bank-Security,
Monroe, Michigan, and to establish branches.
Approved, February 17, 1993.

Director, BS&R

U.S. Bancorp, Portland, Oregon — proposal that U.S.
Bank of California, Auburn, California, acquire
certain assets and assume certain liabilities of
HomeFed Bank, F.A.> San Diego, California.
Approved, February 19, 1993.

H .2

FEBRUARY 16, 1993
PAGE 5

TO

FEBRUARY 19, 1993

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

BANK PREMISES
Chicago

American Trust & Savings Bank, Dubuque, Iowa -investment in bank premises.
Approved, February 16, 1993.

Chicago

Hendricks County Bank and Trust Company, Brownsburg,
Indiana -- investment in bank premises.
Approved, February 16, 1993.

Chicago

Old Kent Bank and Trust Company, Grand Rapids,
Michigan — investment in bank premises.
Approved, February 16, 1993.

BANKS, STATE MEMBER
Chicago

Citizens Commercial & Savings Bank, Flint, Michigan
- payment of a dividend.
Approved, February 16, 1993.

CAPITAL STOCK
Atlanta

First State Corporation, Albany, Georgia -redemption of shares.
Approved, February 18, 1993.

Chicago

Wingo, Ltd., Brooklyn, Iowa -- redemption of shares.
Approved, February 18, 1993.

Chicago

WPC, Inc., Waukona, Iowa — redemption of shares.
Returned, February 18, 1993.

CHANGE IN BANK CONTROL




Kansas City

Berthoud Bancorp, Inc., Berthoud, Colorado —
in bank control.
Permitted, February 16, 1993.

change

Dallas

Corsicana Bancshares, Inc., Corsicana, Texas -change in bank control.
Permitted, February 19, 1993.

Richmond

FCFT, Inc., Princeton, West Virginia —
bank control.
Permitted, February 16, 1993.

change in

H.2

FEBRUARY 16, 1993
PAGE 6

TO

FEBRUARY 19, 1993

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

CHANGE IN BANK CONTROL
Dallas

First Capital Bancorp, Inc., Delhi, Louisiana —
change in bank control.
Permitted, February 19, 1993.

Kansas City

Valley Bank Shares, Inc., Valley, Nebraska -- change
in bank control.
Permitted, February 16, 1993.

Chicago

Wingo, Ltd., Brooklyn, Iowa -- change in bank
control.
Permitted, February 18, 1993.

COMPETITIVE FACTORS REPORTS




New York

Albany Savings Bank, FSB, Albany, New York, proposed
acquisition of certain assets and assumption of
certain liabilities of eight branches of the Dime
Savings Bank of New York, FSB, New York, New York - report on competitive factors.
Submitted, February 19, 1993.

San Francisco

California Federal Bank, F.S.B., Los Angeles
California, proposed purchase of certain assets and
assumption of certain liabilities of Homestead
Federal Savings Association, Millbrae, California - report on competitive factors.
Submitted, February 16, 1993.

Dallas

Charter Interim National Bank, Galveston, Texas,
proposed merger with University National Bank -report on competitive factors.
Submitted, February 19, 1993.

Dallas

Riverbend Bank, N.A., Fort Worth, Texas, proposed
merger with First Texas Bank, Dallas, Texas -report on competitive factors.
Submitted, February 18, 1993.

Dallas

Sunwest Bank of El Paso, El Paso, Texas, proposed
merger with New First City, Texas - El Paso,
National Association — report on competitive
factors.
Submitted, February 18, 1993.

H .2
FEBRUARY 16,
PAGE
7

1993

TO

FEBRUARY 19,

1993

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

EXTENSIONS OF TIME

Dallas

A.N.B. Holding Company, Ltd., Terrell, Texas —
extension to May 24, 1993, to acquire American
National Bank of Terrell.
Granted, February 18, 1993.

San Francisco

BankAmerica Corporation, San Francisco, California -extension to divest certain property.
Granted, February 19, 1993.

Richmond

Eagle Financial Services, Inc., Berryville,
Virginia — extension to May 21, 1993, to engage in
community development activities.
Granted, February 19, 1993.

Chicago

First of America Bank Corporation, Kalamazoo,
Michigan -- extension to June 4, 1993, to merge
Champion Federal Savings and Loan Association,
Bloomington, Illinois, with First of America BankMcLean County, National Association, and to
transfer certain assets and liabilities to nine
national bank affiliates of FOA.
Granted, February 16, 1993.

Minneapolis

Security Richland Bancorporation, Miles City, Montana
— extension to May 25, 1993, to acquire the Richey
Bancorporation, Inc., Richey, Montana, and engage
in general insurance activities through FirsWest
Insurance, Inc.
Granted, February 17, 1993.

San Francisco

Independent Bancorp of Arizona, Phoenix, Arizona -to become a member of the Federal Reserve System.
Approved, February 17, 1993.

MEMBERSHIP




ADDITIONS AND CORRECTIONS

H .2

FEBRUARY 16, 1993
PAGE 8

TO

FEBRUARY 19, 1993

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

FORMS
Bank Holding Company Reporting Requirements -request to revise further form (FR Y~9C) and
revision of reports (FR Y-11Q and FR Y-11AS).
Proposed, January 15, 1993.
Bank Holding Company Reporting Requirements (FR Y-9C)
to modify the Consolidated Financial Statements
for Bank Holding Companies With Total Consolidated
Assets of $150 Million or More or With More Than
One Subsidiary Bank.
Approved, January 15, 1993.

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

BANK HOLDING COMPANIES




New York

Creditanstalt-Bankverein, Vienna, Austria -- to
engage de novo in international services through
Creditanstalt International Services, Inc., New
York, New York.
Returned, February 8, 1993.

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS
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

Royal Bank of Scotland
Federal Register Not Yet Established
Group, pic, Edinburgh,
Scotland - 4(c)(8) application
to acquire Standard Chartered Equitor
Asset Management NA, Inc. and Union
Investors Asset Management, both
of Boston, Massachusetts

Fleet Financial Group,
Federal Register Not Yet Established
Inc., Providence, Rhode
Island - 4( c ) (8) notification
to transfer Fleet Factors
Corporation, New York, New York
from Fleet Bank of New York, Albany,
New York, to Fleet Financial Group,
Inc., Providence, Rhode Island
SECTION IV - APPLICATIONS NOT SUBJECT TO
FEDERAL REGISTER OR NEWSPAPER NOTICE
Application
NONE

♦Subject to CRA




SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
♦Rating Definitions:
"O" - 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

S.IO.L
ECINJ
Applications Subject to Newspaper
___________ Notice Only___________
Chemical Bank, New York, New York, to establish an offsite
electronic facility at Credit Suisse, One Liberty Plaza
(fifth floor); New York, New York.l/

3/18/93

Chemical Bank, New York, New York, to establish an offsite
electronic facility at Colgate-Palmolive Company, 300 Park Avenue
New York, New York.l/

3/18/93

Chemical Bank, New York, New York, to establish an offsite
electronic facility at 390 Park Avenue, New York, New York,l/

3/13/93

SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
None.
SECTION III
Nonbanking Applications
(Subject to Federal Register Notice Only)
Banco Santander, S.A., Madrid, Spain, to engage de novo through
Santander Securities, Inc., New York, New York, in underwriting and
dealing in government obligations and money market instruments
("Eligible Securities”), underwriting of all types of debt securities
of issuers organized under the laws of Spain, Portugal, Italy and
Latin America ("Latin Debt Securities”) and dealing in such debt
securities and all other types of debt securities ("Ineligible
Debt Securities”), underwriting in all types of equity securities
of Latin issuers ("Latin Equity Securities") and dealing in such
equity securities and all other types of equity securities, acting
as agent in the private placement of Latin Debt and Latin Equity
Securities and as riskless principal with respect to all types of
securities, providing separately and/or on a combined basis
securities brokerage and investment advisory services with respect
to furnishing general economic information and advice, statistical
forecasting services and industry studies, and providing financial
and transaction advice to institutional customers on mergers and
acquisitions and other corporate financial transactions, making,
acquiring, or servicing loans or other extensions of credit, and
engaging in mortgage banking and commercial financing activities,
and buying and selling futures and forwards for options on futures
and forwards for, and options on Eligible Securities and Ineligible
Securities for hedging purposes.
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.
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 neighbor­
hoods, in a manner consistent with its resources and capabilities.
Week Ending February 20. 1993
NAME OF BANK

RATING

EXAMINATION DATE

None
1/
2/
3/
4/

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
None.
SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND
FEDERAL REGISTER NOTICE
Comment Period Ending Date
DIMECO, Inc., Honesdale, PA proposes to form
a bank holding company by acquiring 100% of
the voting shares of The Dime Bank, Honesdale,
PA, pursuant to § 3(a)(1) of the BHCA.
Newspaper comment period expires:
Fed. Register comment period expires:

3/22/93
N/A *

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
Comment Period Ending Date
Meridian Bancorp, Inc., Reading, PA to
engage de novo, through its existing
subsidiary, Meridian Securities, Inc.,
Reading, PA, in the activity of providing
securities brokeage services in combination
with investment advisory services, pursuant
to Section 4(c)(8) of the Bank Holding
Company Act and SS 225.25(b)(4)
and 225.25(b)(15)(ii) of Regulation Y.

3/10/93

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 19. 1993
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 20, 1993

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
Received OAKAR application from CoBancorp,
Inc., Elyria, Ohio, on January 29, 1993,
to purchase the assets and assume the
liabilities of the Delaware, Ohio, branch
of Home Savings of America, FSB, Irwindale,
California

* March 1, 1993

Received Section 18(c) application on
January 29, 1993, from Premier Bank & Trust
(f.k.a. Lorain County) Bank, Elyria, Ohio,
to acquire the Delaware, Ohio, branch of Home
Savings of America, FSB, Irwindale, California.

* March 1, 1993

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

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
Received Section 4 ( c ) (8) notice from
Huntington Bancshares Incorported, Columbus,
Ohio, on February 11, 1993, of its intent
to engage de novo in underwriting home
mortgage redemption insurance pursuant to
Section 225.25(b)(8)(i) of Regulation Y
through its wholly-owned subsidiary, The
Huntington National Life Insurance Company,
Columbus, Ohio.

*
N
F
#

-

March 10, 1993

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




SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL
REGISTER NOTICE OR NEWSPAPER NOTICE




None

AVAILABILITY OF CRA PUBLIC EVALUATIONS
(February 19, 1993)

The following state member banks have been examined by the Federal
Reserve Bank of 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 19,
1993.
If you are interested in obtaining a copy of 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 of 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
of 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.
NEEDS TO IMPROVE:
a bank 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 NON COMPLIANCE:
a bank in this group has a
substantially deficient record of 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.




NONE

Federal Reserve Bank of Richmond

Section I - Applications Subject to Newspaper
Notice Only
Application

Comment Period Ending Date

BB&T Financial Corporation, Wilson,
North Carolina, to have its subsidiary,
Branch Banking and Trust Company, Wilson,
North Carolina, merge with the successor
to Security Federal Savings Bank, Durham,
North Carolina.*

3-1-93

First Citizens BancShares, Inc.,
Raleigh, North Carolina, to have its
subsidiary, First-Citizens Bank &
Trust Company, Raleigh, North Carolina,‘
merge with Caldwell Savings Bank, Inc.,
SSB, Lenoir, South Carolina.*

3-5-93

Pee Dee State Bank, Timmonsville, South
Carolina, to establish a branch at 401
North Second Avenue, Dillon, South
Carolina.*

3-12-93

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Application
First Union Corporation, Charlotte,
North Carolina, to acquire Georgia
Federal Bank, FSB, Atlanta, Georgia.*

Comment Period Ending Date

3-3-93

Section III - Applications Subject to Federal Register Notice
Application
First Union Corporation, Charlotte, North
Carolina, to expand de novo the activities
of First Union Securities, Inc., to include:
purchasing and selling for its own account
various transactions in futures, options, and
options on futures with respect to certain
money related instruments, as well as spot
and forward transactions in foreign exchange;
providing advice to affiliates on trading
debt securities, and such transactions as
it might buy or sell for its own account.

*Application is subject to CRA requirements.



Comment Period Ending Date

Not yet available.

Federal Reserve Bank of Richmond

Section III - Applications Subject to Federal Register Notice--contd.
Application

Comment Period Ending Date

Signet Banking Corporation, Richmond,
Virginia, to directly engage in community
development activities.

Not yet available.

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




Federal Reserve Bank of Richmond
Availability of CRA Public Evaluations
Week ending February 19, 1993

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

Peoples Bank of Charles Town
111 East Washington
Charles Town, West Virginia 25414




11-30-92

Rating

Satisfactory.

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending February 19. 1993
Section 1 - Applications Subject to Newspaper Notice Only

Application

Comment Period Ending Date

Pickens County Bancshares, Inc.
Carrollton, Alabama
For its subsidiary, West Alabama
Bank & Trust, Carrollton, Alabama,
to acquire the assets and assume the
liabilities of the three branches of
Secor Bank, FSB, Birmingham, Alabama,
pursuant to Section 5( d ) (3) of the
Federal Deposit Insurance Act, as
amended by the Federal Deposit Insurance
Corporation Act of 1991.
PanAmerican Bank
Miami, Florida
To establish a branch located at 888
Brickell Avenue, Miami, Florida to be
known as PanAmerican Bank-Brickell
Avenue Branch and Executive Offices.

Not yet available*

01-29-93*

Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application
First National Bankshares, Inc.
Houma, Louisiana
Change in control notice by James J.
Buquet, Jr., Hilton J. Michel, Jr.,
Jerome H. Mire and Calvin J. Ortego,
to acquire 8.77 percent of the
outstanding shares of common stock.
Total shares will equal 13.91 percent.

Comment Period Ending Date
Not yet available*

♦Subject to provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending February 19. 1993
Section 3 - Applications Subject
Register Only-

Application

to Federal

Comment Period Ending Date

None.
Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice

Application
AmSouth Bancorporation
Birmingham, Alabama
Request to allow a management interlock
under Regulation L.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending February 19. 1993

Section 10 - Availability of CRA Public Evaluations

The CRA public evaluations of the insured depository institutions
listed below became available during this week. Information about
an institution's CRA evaluation may be obtained directly from the
institution. In connection with the assessment of an institution's
CRA performance, a rating is assigned from the following groups:
Outstanding record of meeting community credit needs:
An
institution has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire
delineated
community,
including
lowand
moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.
Satisfactory record of meeting community credit needs:
An
institution has a satisfactory record of ascertaining and helping
to meet the credit -needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs:
An
institution needs to improve its overall record of ascertaining and
helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs:
An
institution has a substantially deficient record of ascertaining
and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
Examination
Bank
No n e .




Rating

Date

Federal Reserve Bank of Chicago
Section I - Applications Subject to Newspaper
Notice Only
Comment Period
Ending Date

Type

Application

Branch

The Kingston State Bank
Kingston, Michigan
4059 Huron Street
North Branch, Michigan*

N

- 3-10-93

Oakar

Ida Grove Bancshares, Inc.
Ida Grove, Iowa
Denison Office of First Federal
Savings and Loan Association
Storm Lake, Iowa*

N

-

EFT

Chemical Bank and Trust Company
Midland, Michigan
4787 Fashion Square Mall
Saginaw, Michigan*

N

- 3-5-93

Branch

First of America Bank-Central
Lansing, Michigan
Delta Retirement Center
201 S. Mall Drive
Delta Township, Michigan*

N

- 2-21-93

Branch

First of America Bank-Central
Lansing, Michigan
Great Lakes Christian Retirement Home
2050 S. Washington Street
Delhi Township, Michigan*

N

- 2-21-93

2-15-93

C

Branch

Cole Taylor Bank
Chicago, Illinois
824 East 63rd Street
Chicago, Illinois*

N

- 3-8-93

Branch
Relocation

First of America Bank - Northern Michigan
Traverse City, Michigan
From 701 Randolph Street to
1001 Bay Street
Traverse City, Michigan*

N

- **




Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspapt
Register Notice

and Federal
Comment Period
Ending Date

Type

Application

Y-2

First Colonial Bankshares Corporation
Chicago, Illinois
Hi-Bancorp, Inc.
Highwood, Illinois
Bank of Highwood
Highwood, Illinois
GNP Bancorp, Inc.
Mundelein, Illinois
New Century Bank
Mundelein, Illinois*

FR - 2-26-93
N - 1-19-93

Y-2

Minowa Banshares, Inc.
Decorah, Iowa
Minnesota Bank, National Association
Caledonia, Minnesota*

FR - 1-26-93
N - 2-22-93

Y-l

ABC Employee Stock Ownership Plan
Anchor, Illinois
Anchor Bancorporation, Inc.
Farmer City, Illinois
Anchor State Bank
Anchor, Illinois*

FR - 2-16-93
N - 1-28-93

CoC-HC

Anchor Bancorporation, Inc.
Farmer City, Illinois
ABC Employee Stock Ownership Plan
Anchor, Illinois
Merle E. Coile; Chester D. Eyer
Employee's Profit Sharing Plan;
Gayle E. Simpson; Jeffrey A. Coil;
James R. Eckert

FR - 2-24-93
N - 2-13-93

Y-l

ISB Bancshares, Inc•
Ipava, Illinois
Ipava State Bank
Ipava, Illinois*

FR - 2-16-93
N - 2-6-93

Y-2

LeRoy C. Darby, Inc.
Monona, Iowa
Keystone Bancshares, Inc.
Monona, Iowa
Peoples State Bank
Elkader, Iowa*

FR N -




2-5-93
2-25-93

Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newsoaot
Register Notice
(Continued)

and Federal

Comment Period
Ending Date

Type

A pplication

Y-2

F.N.B.C. of La Grange, Inc.
La Grange, Illinois
Mokena State Bank
Mokena, Illinois*

FR - 2-16-93
N - 2-10-93

Y-2

Hawkeye Bancorporation
Des Moines, Iowa
First Dubuque Corp.
Dubuque, Iowa
First National Bank of Dubuque
Dubuque, Iowa*

FR - 2-16-93
N - 2-8-93

Y-2

Premier Financial Services, Inc.
Freeport, Illinois
First Northbrook Bancorp, Inc.
Northbrook, Illinois
First National Bank of Northbrook
Northbrook, Illinois
First Security Bank of Cary-Grove
Cary, Illinois*

FR - 2-25-93
N - 1-2-93

Y -l

Premier Acquisition Company
Freeport, Illinois
First Northbrook Bancorp, Inc.
Northbrook, Illinois
First National Bank of Northbrook
Northbrook, Illinois
First Security Bank of Cary-Grove
Cary, Illinois*

FR - 2-25-93
N - 1-2-93

CoC-HC

Premier Financial Services, Inc.
Freeport, Illinois
Thomas D. Flanagan

FR - 3-1-93

CoC-HC

Premier Financial Services, Inc.
Freeport, Illinois
James M. Flanagan

FR - 3-8-93

CoC-HC

First Business Bancshares, Inc.
Madison, Wisconsin
William T. Graham

FR - 2-22-93
N - 2-22-93




Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspapei
Register Notice
(Continued)




A pplication

and Federal
Comment Period
Ending Date

Bourbonnais Bancorp, Inc.
Wheaton, Illinois
Bank of Bourbonnais
Bourbonnais, Illinois*

FR N -

2-26-93
2-16-93

Illinois State Bancorp, Inc.
Wheaton, Illinois
Bourbonnais Bancorp, Inc.
Wheaton, Illinois
Bank of Bourbonnais
Bourbonnais, Illinois
Presidential Holdings, Inc.
Bourbonnais, Illinois*

FR N -

2-26-93
2-16-93

Firstar Corporation
Milwaukee, Wisconsin
Metro Bancorporation
Waterloo, Iowa
The Waterloo Savings Bank
Waterloo, Iowa*
Firstar Corporation of Iowa
Des Moines, Iowa
Metro Bancorporation
Waterloo, Iowa
The Waterloo Savings Bank
Waterloo, Iowa*

FR - 2-26-93
N

- **

FR - 2-26-93
N

- **

River Forest Bancorp, Inc.
Chicago, Illinois
Belmont National Bank
Chicago, Illinois*

FR - 2-26-93
N - 2-28-93

Farmers & Merchants Bancshares, Inc.
Burlington, Iowa
Farmers & Merchants Bank & Trust
Burlington, Iowa*

FR N -

1-21-93
2-23-93

Federal Reserve Bank of Chicago

Type

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

Y-l

Northview Financial Corporation
Northfield, Illinois
Northview Bank & Trust (in organization)
Northfield, Illinois*

FR - 3-12-93
N - 3-1-93

Y-l

Oostburg Bancorp, Inc.
Oostburg, Wisconsin
Oostburg State Bank
Oostburg, Wisconsin*

FR - 3-5-93
N - 3-8-93

Y-l

SBL Capital Bank Shares, Inc.
Lodi, Wisconsin
State Bank of Lodi
Lodi, Wisconsin*

FR N -

Y-l

Lincoln Trail Bancshares, Inc.
Taylorville, Illinois
Palmer State Bank
Taylorville, Illinois*

FR - 3-12-93
N - 3-5-93

Y-l

Valley Financial Corp.
Caro, Michigan
Community Bank
Caro, Michigan*

FR - 3-12-93
N - 2-8-93

Y-l

Howard Bancorp, Inc.
Glenview, Illinois
Howard Savings Bank
Glenview, Illinois*

FR - **
N - **

Y-l

Lenawee Bancorp, Inc.
Adrian, Michigan
Bank of Lenawee
Adrian, Michigan*

FR - **
N - **

Y-2

De Witt Bancorp, Inc.
De Witt, Iowa
River Valley Bancorp, Inc.
Davenport, Iowa
Valley State Bank (in organization)
Eldridge, Iowa*

FR - **
N - **




1-4-93
3-6-93

Federal Reserve Bank of Chicago

Type

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

Y-2

First Financial Corporation
Terre Haute, Indiana
Parke Bancorp
Rockville, Indiana
The Parke State Bank
Rockville, Indiana*

FR - **
N - 3-12-93

Y-2

First Neighborhood Bancshares, Inc.
Toledo, Illinois
Newman Bancshares, Inc.
Newman, Illinois
First State Bank of Newman
Newman, Illinois*

FR - **
N - **

Y-l

River Valley Bancorp, Inc.
Davenport, Iowa
Valley State Bank (in organization)
Eldridge, Iowa*

FR - **
N - **




Federal Reserve Bank of Chicago
Section III - Applications Subject to Federal Register
Notice Only
Comment Period
Ending Date

Type

Application

Y-4

Northern Trust Corporation
Chicago, Illinois
Northern Futures Corporation
Chicago, Illinois— Execute and clear
commodity futures contracts

FR - **

4(c)(8)

Comerica Incorporated
Detroit, Michigan
ComeriComp, Incorporated
Detroit, Michigan

FR - **

Y-4

First Chicago Corporation
FR - **
Chicago, Illinois
Government Pricing Information System, Inc.
New York, New York ("GovPX, Inc.)

4(c)(8)

Central-State Bancorp, Inc.
Beulah, Michigan
Central State Services Corp.
Beulah, Michigan— engage de novo in
making and selling fixed rate mortgages

FR - 2-22-93

4(c)(8)

Columbus Bancorp, Inc.
Indianapolis, Indiana
Gardenview Limited Partnership, an
Indiana Limited Partnership
Corunna, Indiana - CDC

FR - 2-19-93

4(c) (8)

Columbus Bancorp, Inc.
Indianapolis, Indiana
Making and servicing loans or other
extensions of credit for the company's
account

FR - 2-19-93




Federal Reserve Bank of Chicago
Section III - Applications Subject to Federal Register
Notice Only
(Continued)
Comment Period
Ending Date

Type

Application

4(c)(8)

Sal in Bancshares, Inc.
Indianapolis, Indiana
Making and servicing of loans or
other extensions of credit for the
company's account

FR - 2-19-93

4(c)(8)

Michigan National Corporation
Farmington Hills, Michigan
Independence One Financial Institutions
Consulting, Inc.
Farmington Hills, Michigan

FR - 3-2-93

Y-4

Guaranty Financial, M.H.C.
Milwaukee, Wisconsin
Guaranty Asset Protection Services, Inc
West Hills, California

FR - **

Y-4

Guaranty Financial, M.H.C.
Milwaukee, Wisconsin
Shelter Mortgage Corporation
Milwaukee, Wisconsin

FR - **

Y-4

Guaranty Financial, M.H.C.
Milwaukee, Wisconsin
6700 Corporation
West Hills, California

FR - **

Y-4

Iowa National Bankshares Corp.
Waterloo, Iowa
MidAmerica Financial Corporation
Waterloo, Iowa

FR - 3-12-93

Y-4

Republic Bancorp, Incorporated
Owosso, Michigan
Horizon Savings Bank
Beachwood, Ohio

FR - **

Y-4

Comerica Incorporated
Detroit, Michigan
Gladshire Limited Dividend Housing
Association Limited Partnership
Kalamazoo, Michigan

FR - **




Federal Reserve Bank of Chicago
Section IV - Applications Not Subject to Federal Register or Newspaper
Notice
Type

Application

RoS

NFC, Inc.
waukon, Iowa
To redeem 2,500 shares (92.86%) of its common stock

N
FR
*
**

-

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




AVAILABILITY OF CRA PUBLIC EVALUATIONS

The following 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 19,
1993. 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.
BANK NAME/LOCATION
-The First Commercial Bank
6945 North Clark Street
Chicago, Illinois
60626
(312) 761-4300




EXAMINATION DATE

11/12/92

RATINGS

S

Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING FEBRUARY 19, 1993

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

*Section 3(a)(3) application by
First Breckinridge Bancshares, Inc.,
Irvington, Kentucky to acquire Bank
of Clarkson, Clarkson, Kentucky

Newspaper:

3-14-93

^Section 3(a)(3) application by Union
Planters Corporation, Memphis, Tennessee
to acquire First Cumberland Bank,
Madison, Tennessee

Newspaper:

3-3-93

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
None.
*

*This application i su j c t C A
s b e t o R.




FEDERAL RESERVE BANK OF ST. LOUIS
St. Louis, Missouri
AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification o f Ratings:
Outstanding record o f m eeting com m unity 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 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

A n 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- incom e neighborhoods, in a
manner consistent with its resources and capabilities.
Needs to im prove record o f meeting com m unity credit needs

A n 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 com m unity credit needs

A n 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.

FOR THE WEEK ENDING

Name of Bank
The First State Bank
of Mounds




February 19, 1993

Examination
Date

P. 0. Box 400
Mounds, Illinois

62964

Examination
Rating

11-16-92

Bank Address

Satisfactory

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section I - Applications Subject to
Newspaper Notice Only
Comment Period
Endincr Date

Application
Marquette Capital Bank
Minneapolis, MN
To become a member of the
Federal Reserve System

3-15-93

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

Application
Dickinson Bancorporation, Inc.
Dickinson, ND
To acquire 100% of the voting shares
of First National Bank of Bowman,
Bowman, ND*
International Bancorporation
Bemidj i , MN
To acquire 100% of the voting
shares of First National Agency
of Baudette, Inc., Baudette, MN*
Marquette Bancshares, Inc.
Minneapolis, MN
To acquire 100% of the voting
shares of Marquette Capital Bank,
Mpls, MN*
Alice and Theodore Penn
Retroactive notification to in­
crease their ownership interest
from 24.63% to 27.21% of Drummond
Bancshares, Inc., Drummond, WI

* Subject to CRA




Comment Period
Endincr Date
3-15-93
(Newspaper)

Not yet available

3-15-93
(Newspaper)

Not yet available

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

Application
Marquette Bancshares, Inc.
Mpls, MN
To engage in acting as an in­
vestment advisor and providing
securities brokerage services
through the acquisition of
Marquette Fund Advisors, Inc.,
Minneapolis, MN
Otto Bremer Foundation and
Bremer Financial Corporation'
St. Paul, MN
To engage in general insurance
agency activities through the
acquisition of certain insurance
accounts of Robert W. Becker

1-4-93

Not yet available

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




FEDERAL RESERVE BANK OF M INN EA PO LIS

Section V - Availability of
CRA Public Evaluations
week ending February 19, 1993
ASSIGNMENT OF RATING
Identification of Ratings
In connection with the assessment of each insured depository
institution's CRA performance, a rating is assigned from the
following groups:
OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has an outstanding record of,
and is a leader in, ascertaining and helping to meet the
credit needs of its entire delineated community, including lowand moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.
SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a satisfactory record of
ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its
resources and capabilities.
NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group needs to improve its overall
record of ascertaining and helping to meet the credit needs
of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.
SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs
of its entire delineated community, including low-and
moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.
BANK (S) EXAMINED

DATE OF EXAMINATION

Peoples State Bank
November 16, 1992
of Plainview
300 West Broadway, Box 607
Plainview, MN 55964
(507) 534-3137




CRA RATING
Satisfactory

Federal Reserve Bank of Kansas City

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

Mountain Bancshares, Inc., Newport,
Minnesota, for prior approval to
become a bank holding company through
the acquisition of 100 percent of the
voting shares of Eagle Agency, Inc.,
Golden Valley, Minnesota.*

Not Available

First National Beatrice Corporation
ESOP, Beatrice, Nebraska, for prior
approval to become a bank holding
company through the acquisition of 47
percent of the voting shares of First
National Beatrice Corporation,
Beatrice, Nebraska.*

Not Available

R. H. Krumme, George W. Krumme, and
Robert B. Krumme, all of Tulsa,
Oklahoma, for prior approval to
increase their proportionate
ownership interest in Sooner
Southwest Bankshares, Inc., Bristow,
Oklahoma, from 18.5% to 38.1%, from
13.5% to 37.9%, and from 2.7% to
25.2%, respectively.

Not Available

R. H. Krumme, Tulsa, Oklahoma, for
prior approval to acquire 74.4
percent of the voting shares of
Anadarko Bancshares, Inc., Bristow,
Oklahoma.

Not Available

Davis Bancorporation, Davis,
Oklahoma, for prior approval to
become a bank holding company through
the acquisition of 100 percent of the
voting shares of First Davis
Bancorporation, Inc., Davis,
Oklahoma.*

Not Available




Federal Reserve Bank of Kansas City

The Stuart Kansas City Limited
Partnership, Lincoln, Nebraska, for
prior approval to become a bank
holding company through the
acquisition of 33 percent of the
voting shares of Standard State Bank
and Trust, Independence, Missouri.*

Not Available

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
ONLY
APPLICATION
Midland Capital Co., Oklahoma City,
Oklahoma, for prior approval to
acquire 51% of the voting shares of
Near Northwest Community Development
Corporation, Oklahoma City, Oklahoma.

COMMENT PERIOD ENDING DATE
Not Available

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
APPLICATION
First National Beatrice Corporation,
Beatrice, Nebraska, for prior
approval to redeem 5,105 shares of
its own voting common stock.

Not Available

Sooner Southwest Bankshares, Inc.,
Bristow, Oklahoma, for prior approval
to redeem 52% of its own voting
common stock and 100% of its Series B
preferred stock.

Not Available

Anadarko Bancshares, Inc., Bristow,
Oklahoma, for prior approval to
redeem 100 percent of its preferred
stock.

Not Available

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 o£ meeting community credit needs
An institution in this group has an outstanding record of
ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderateincome neighborhoods,
in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs
An institution in this group has a satisfactory record of
ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderateincome neighborhoods,
in a manner consistent with its
resources and capabilities.
Needs to improve record of meeting community credit needs
An institution in this group needs to improve its overall
record of ascertaining and helping to meet the credit needs of
its entire delineated community, including low- and 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
Omnibank Leetsdale
P.0. Box 2243
Denver, Colorado 80222

Exam Date
11-16-92

CRA Public
Date
02-16-93

CRA
Rating
Needs to
Improve

Omnibank University Hills
4301 E. Amherst Avenue
Denver, Colorado 80222

11-16-92

02-16-93

Satisfactory

Omnibank Arvada
3000 S. Peoria Street
Aurora, Colorado 80014

11-09-92

02-16-93

Satisfactory

Omnibank Parker Road
4090 S. Parker Road
Aurora, Colorado 80014

11-16-92

02-16-93

Satisfactory

11-09-92
Omnibank Arapahoe
9250 E. Arapahoe Road
Englewood, Colorado 80112--6327

02-16-93

Satisfactory




Federal Reserve Bank of Kansas City

Omnibank Southeast
3600 S. Yosemite Street
Denver, Colorado 80237

11-09-92

02-16-93

Satisfactory

Omnibank Denver
515 17th Street
Denver, Colorado

11-09-92

02-16-93

Satisfactory

80202

*Application is subject to CRA




FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF FEBRUARY 15, 1993
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
APPLICATION

NOTICE EXP

♦Section 9 application by
Central Bank, Monroe, LA, to establish a branch at
Super 1 Foods #609, 2951 Cottingham Exp.,
Pineville, LA

93/03/06

♦Section 9 application by
Central Bank, Monroe, LA, to establish a branch at
Super 1 Foods #601, 604 MacArthur Drive, Alexandria, LA

93/03/06

♦Section 9 application by
Texas Bank, Weatherford, TX, to establish a branch at
Exposition Mills Factory Stores, 5800 N. 1-35, Denton, TX

93/03/21

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

**
* NOTICE EXP

None.
SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
APPLICATION

NOTICE EXP

Section 4(c)(8) de novo notification by
Victoria Bankshares, Inc., Victoria, TX, to acquire
Victoria Securities Corporation, Victoria, TX
(engage in full service brokerage activities and
advisory services)

N/A

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 15, 1993

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
None.




Date of
Examination

CRA Rating

FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 2/19/93

Section I - Applications Sub.iect 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

Mountain Bank Holding Company, Enumclaw,
Washington, to become a bank holding company
by acquiring Mt. Rainier National Bank,
Enumclaw, Washington. *

Fed. Reo.:

3/22/93

Newspaper:

3/15/93

Section III - Applications Sub.iect to Federal Register Notice Only
Application

Comment Period Ending Date

None

Section IV - Applications Not Sub.iect to Federal Register Notice
or Newspaper Notice
None

* Subject to CRA




FEDERAL RESERVE BANK OF SAN FRANCISCO (cont’d.)
Week ending 2/19/93
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during
the week ending February 19, 1993. Information about a particular
institution’s CRA evaluation may be obtained directly from the institution.
Institution

Location

Pioneer Bank

110 E. Wilshire Ave.
Fullerton, CA 92632
(714) 773-0600

Examination Date
11/16/92

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
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 moderateincome 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 ascertaining and helping to meet the
credit needs of its entire delineated community, including low- to moderateincome 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