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RESEARCH LIBRARY ANNOUNCEMENT BOA R D O F G O V E R N O R S OF T H E FEDERAL RESERVE SYSTEM H.2, 1991, No. 8 A c t i o n s of the Board, its Staff, and \ \ m 11 R e s e r v e Banks; A p p l i c a t i o n s and R e p o r t s R e c e i v e d D u ring the W e e k E n ding F e b r u a r y 23 , 1991 {. im.-w-. ;•) 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 20, and before the House Committee on Banking, Finance and Urban Affairs, February 21, 1990. Authorized, February 19, 1991. REGULATIONS AND POLICIES Regulation CC — interim rule to extend availability schedules for deposits to nonproprietary automated teller machines for two years (Docket R-0717). Approved, February 19, 1991. R u l e s R e g a r d i n g D e l e g a t i o n of A u t h o r i t y — to g r a n t the Federal Rese r v e Banks, and the Staff Director of the D i v i s i o n of B a n k i n g S u p e r v i s i o n a n d R e g u l a t i o n toget h e r w i t h the General Counsel a u t h o r i t y to a p p r o v e m e r g e r s of a f f i l i a t e d s a v i n g s a s s o c i a t i o n s a n d b a n k s u n d e r the p r o v i s i o n s of the D a k a r a m e n d m e n t to F I R R E A ( D o c k e t R - 0 7 2 6 ) . Approved, February 21, 1991. 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 Clifton Savings Bank, S.L.A., Clifton, New Jersey -to establish a branch at 1045 Clifton Avenue. Approved, February 20, 1991. Richmond First Virginia Bank of Tidewater, Norfolk, Virginia - to establish an electronic funds transfer facility in the Norfolk International Airport. Approved, February 19, 1991. Richmond Signet Bank / Virginia, Richmond, Virginia — to establish an electronic funds transfer facility at Gateway Centre, 101 Gateway Parkway. Approved, February 20, 1991. H .2 FEBRUARY 19, 1991 PAGE 2 TO FEBRUARY 22, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK BRANCHES, DOMESTIC Richmond Signet Bank / Virginia, Richmond, Virginia — to operate an electronic funds transfer facility at the Circuit City Corporate Headquarters, 9950 Mayland Drive. Approved, February 20, 1991. Secretary Sovran Bank / Tennessee, Nashville, Tennessee -- to establish branches at 1648 Fort Campbell Boulevard, Clarksville; and 5425 Raines Road, Suite 200, Memphis, Tennessee, and to establish ATMS at 1135 Freightliner Drive, Nashville, Tennessee, and 3150 Starnes Cove, Memphis, Tennessee. Approved, February 22, 1991. BANK HOLDING COMPANIES Kansas City Barrett Holding Company, Watonga, Oklahoma — acquire Watonga Bancshares, Inc. Approved, February 19, 1991. to Chicago Caledonia Financial Corporation, Caledonia, Michigan — to acquire State Bank of Caledonia. Approved, February 20, 1991. Kansas City Central Grain, Inc., Central City, Nebraska; Green Top, Inc., Palmer; Shelby Insurance, Inc., Shelby; Archer, Inc., Archer; and Osceola Insurance, Inc., Osceola, Nebraska — to acquire Heartland Bancorporation, Aurora, Nebraska. Approved, February 21, 1991. Kansas City Central Grain, iEnc., Central City, Nebraska; Archer, Inc., Archer; and Osceola Insurance, Inc., Osceola, Nebraska -- to retain grandfather privileges for certain non-banking assets and activities. Approved, February 21, 1991. Kansas City Central of Kansas, Inc., Junction City, Kansas -- to acquire Herington Bancshares, Inc, Herington, Kansas, and The Bank of Herington. Approved, February 20, 1991. Minneapolis Citizens Bancorp, Inc., Morris, Minnesota — acquire Citizens Bank. Permitted, February 22, 1991. to H.2 FEBRUARY 19, 1991 PAGE 3 TO FEBRUARY 22, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Secretary Credit and Commerce American Holdings, N.V., Netherlands Antilles, and First American Bankshares, Inc., Washington, D.C. — order of investigation dated February 1, 1991, concerning relationship between CCAH and BCCI Holdings (Luxembourg) S.A., Luxembourg. Authorized, February 20, 1991. S t . Louis First Bank Corp., Fort Smith, Arkansas — to acquire Sequoyah County Bankshares, Inc., Sallisaw, Oklahoma, and National Bank of Sallisaw. Approved, February 22, 1991. Minneapolis First Bank System, Inc., Minneapolis, Minnesota — to engage in general insurance agency activities through Lake Services Corporation, d/b/a Fairmont Lakes Insurance Agency, Fairmont, Minnesota. Approved, February 19, 1991. Dallas First National Bancorporation of Ennis, Inc., Ennis, Texas — change in bank control. Returned, February 20, 1991. Kansas City First of Fort Morgan, Inc., Fort Morgan, Colorado — to acquire through merger Heartland Community Bancshares, Inc., Fort Morgan; First National Bank of Sterling, Sterling; First Community Bancshares, Inc.; and First National Bank of Holyoke, Holyoke, Colorado. Approved, February 20, 1991. Minneapolis Hansen Freeborn, Inc., Freeborn, Minnesota — acquire First State Bank. Returned, February 21, 1991. Kansas City Heartland Bancorporation, Aurora, Nebraska — to acquire Farmers State Bank and Trust Company, Crete State Corporation, Crete, Nebraska, and Crete State Bank. Approved, February 21, 1991. Chicago KSB Financial, Inc., Kingston, Michigan — The Kingston State Bank. Approved, February 22, 1991. to to acquire H.2 FEBRUARY 19, 1991 PAGE 4 TO FEBRUARY 22, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Chicago Mid Town Bancorp, Inc., Chicago, Illinois — to engage de novo in providing bank management consulting advice concerning lending activities through Falcon Financial Advisors, Inc. Permitted, February 22, 1991. Director, C&CA Mitsui Taiyo Kobe Bank, Limited, Tokyo, Japan — public meeting on March 21, 1991, concerning the performance of its subsidiary Mitsui Manufacturers Bank under the Community Reinvestment Act. Announced, February 20, 1991. Dallas Overton Financial Corporation, Overton, Texas — to acquire Lindale Bancshares, Inc., Lindale, Texas, and Lindale State Bank. Returned, February 21, 1991. Chicago Pinnacle Banc Group, Inc., Oak Brook, Illinois — acquire The Henry County Bank, Green Rock, Illinois. Approved, February 20, 1991. to BANK MERGERS Cleveland Dollar Savings and Trust Company, Youngstown, Ohio -to merge with The McKinley Bank, Niles, Ohio. Approved, February 22, 1991. BANK PREMISES Chicago Davenport Bank and Trust Company, Davenport, Iowa -investment in bank premises. Approved, February 22, 1991. Kansas City First State Bank of Newcastle, Newcastle, Wyoming — investment in bank premises. Approved, February 22, 1991. Richmond Miners and Merchants Bank and Trust Company, Grundy, Virginia — investment in bank premises. Approved, February 19, 1991. H.2 FEBRUARY 19, 1991 PAGE 5 TO FEBRUARY 22, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANKS, STATE MEMBER Chicago Comerica Bank - Detroit, Detroit, Michigan — of a dividend. Approved, February 22, 1991. payment CAPITAL STOCK Chicago Pinnacle Banc Group, Inc., Oak Brook, Illinois — redemption of shares. Approved, February 20, 1991. Kansas City Watonga Bancshares, Inc., Watonga, Oklahoma — redemption of shares. Approved, February 20, 1991. CHANGE IN BANK CONTROL Dallas Guardian Bancshares, Inc., Houston, Texas — in bank control. Returned, February 21, 1991. Dallas Heritage Bankshares, Inc., Dallas, Texas -- change in bank control. Permitted, February 21, 1991. Philadelphia United National Bancorp, Chambersburg, Pennsylvania - change in bank control. Permitted, February 20, 1991. change COMPETITIVE FACTORS REPORTS Philadelphia Dauphin Deposit Bank and Trust Company, Harrisburg, Pennsylvania, proposed merger with Bank of Pennsylvania, Reading, Pennsylvania — report on competitive factors. Submitted, February 19, 1991. Cleveland Farmers National Bank of Emlenton, Emlenton, Pennsylvania, proposed purchase of assets and assumption of liabilities of two branches of Mellon Bank (North), N.A., Oil City, Pennsylvania — report on competitive factors. Submitted, February 21, 1991. H.2 FEBRUARY 19, 1991 PAGE 6 TO FEBRUARY 22, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COMPETITIVE FACTORS REPORTS Secretary First Interstate Bank of Casper, N.A., Laramie, Wyoming, proposed merger with First Interstate Bank of Riverton, N.A., Riverton, Wyoming — report on competitive factors. Submitted, February 19, 1991. Atlanta First National Bank of Newton County, Covington, Georgia, proposed acquisition of the assets and assumption of the deposit liabilities of the Covington, Georgia, branch of First South Bank, NA., Fort Valley, Georgia — report on competitive factors. Submitted, February 20, 1991. Cleveland Harlan National Bank, Harlan, Kentucky, proposed merger of Union Bank & Trust Company, Irvine, Kentucky — report on competitive factors. Submitted, February 21, 1991. San Francisco Home Savings of America, F.A., Los Angeles, California, proposed purchase of certain assets and assumption of certain liabilities of 19 San Diego County branches of Coast Federal Bank, FSB — report on competitive factors. Submitted, February 19, 1991. San Francisco Investors Thrift, Orange, California, proposed merger with Liberty Thrift and Loan Company — report on competitive factors. Submitted, February 20, 1991. Richmond Kenly Savings and Loan Association, Kenly, North Carolina, proposed acquisition of a branch of the East Coast Federal Savings Bank, Goldsboro, North Carolina -- report on competitive factors. Submitted, February 22, 1991. Chicago Transmarket Bancorp, Inc., Chicago, Illinois — to acquire Rochelle Savings and Loan Association. Submitted, February 19, 1991. H.2 FEBRUARY 19, 1991 PAGE 7 TO FEBRUARY 22, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COMPETITIVE FACTORS REPORTS Philadelphia Wilmington Trust Company, Wilmington, Delaware, proposed merger with WTC Interim Bank — report on competitive factors. Submitted, February 21, 1991. Atlanta Wilson Bank and Trust, Lebanon, Tennessee, proposed purchase of certain assets and assumption of the liability to pay deposits made in the Watertown, Tennessee, branch of Liberty State Bank, Liberty, Tennessee — report on competitive factors. Submitted, February 19, 1991. EXTENSIONS OF TIME Atlanta AmSouth Bancorporation, Birmingham, Alabama — extension to June 10, 1991, to acquire the charter of First Bank of Maury County, Columbia, Tennessee and relocate the charter to Nashville, Tennessee. Granted, February 22, 1991. Atlanta AmSouth Bank of Tennessee, Columbia, Tennessee — extension to June 10, 1991, to become a member of the Federal Reserve System. Granted, February 22, 1991. Atlanta AmSouth Bank of Tennessee, Columbia, Tennessee — extension to June 10, 1991, to merge with First Bank of Maury County. Granted, February 22, 1991. San Francisco BankAmerica Corporation, San Francisco, California extension to divest certain property. Granted, February 19, 1991. Philadelphia Citizens Bancorp, Inc., Coudersport, Pennsylvania -extension to June 14, 1991, to acquire Citizens Trust Company. Granted, February 22, 1991. St. Louis Glasgow Bancshares Corporation, Glasgow, Kentucky — extension to March 31, 1991, to acquire Bowling Green Bank & Trust Company, National Association, Bowling Green, Kentucky. Granted, February 22, 1991. H.2 FEBRUARY 19, 1991 PAGE 8 TO FEBRUARY 22, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY EXTENSIONS OF TINE Richmond Miners and Merchants Bank and Trust Company, Grundy, Virginia — extension to November 16, 1991, to establish a branch on U.S. Route 460. Granted, February 19, 1991. San Francisco Security Pacific Corporation, Los Angeles, California — extensions to divest certain properties. Granted, February 20, 1991. San Francisco Sumitomo Bank, Limited, Osaka, Japan — extension to May 22, 1991, to engage in the United States in nonbank trust and investment advisory activities through Sumitomo Bank Investment Management (New York), Inc., New York, New York. Granted, February 20, 1991. H .2 FEBRUARY 19, 1991 PAGE 9 ADDITIONS AND CORRECTIONS TO FEBRUARY 22, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES San Francisco 1-5 State Bancorp, Wilsonville, Oregon — the Bank of Wilsonville. Returned, February 15, 1991. to acquire FEDERAL RESERVE BANK OF BOSTON APPLICATIONS SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY Application C o m m e n t P e r i o d E n d i n g Date NONE S E C T I O N II - A P P L I C A T I O N S S U B J E C T T O B O T H NEWSPAPER AND FEDERAL REGISTER NOTICE Application C o m m e n t P e r i o d E n d i n g Date Meridian Mutual Holding Company, E a s t Boston, M a s s a c h u s e t t s - 3 ( a ) (1) application to acquire E a s t B o s t o n S a v i n g s Bank, E a s t Boston, M a s s a c h u s e t t s * N e w s p a p e r 3-22-91 F ederal R e g i s t e r N o t Yet E s t a b l i s h e d S E C T I O N III - A P P L I C A T I O N S S U B J E C T TO F E D E R A L R E G I S T E R N O T I C E ONL Y Application C o m m e n t P e r i o d E n d i n g Date NONE S E C T I O N IV - A P P L I C A T I O N S N O T S U B J E C T TO FEDERAL REGISTER OR NEWSPAPER NOTICE Application N ONE S E C T I O N V ~ A V A I L A B I L I T Y OF C R A P U B L I C E V A L U A T I O N S NONE ♦ S u b j e c t to CR A Federal Reserve Bank of New York Comment Period Ending Date SECTION I Applications Subject to Newspaper ____________Notice Only_________ Tioga State Bank, Spencer, New York to purchase the assets and assume the liabilities of the NorstarWaverly Branch of Norstar Bank, N.A., Buffalo, New York. 3/22/91 SECTION II Applications Subject to Both Newspaper and Federal Register Notice Banco de Santander, S.A. de Credito, Santander, Spain to retain 9.89% of the outstanding voting shares of The Royal Bank of Scotland Group pic, Edinburgh, Scotland, a bank holding company with respect to Citizens Financial Group, Inc. (itself a bank holding company) and Citizens Trust Company and Citizens Savings Bank, both of Rhode Island, and Fairhaven Savings Bank, Massachusetts.1/ Hubco, Inc., Union City, New Jersey to acquire Meadowlands National Bank, North Bergen, New Jersey.1/ 3/8/91 3/11/91 2/ SECTION III Nonbanking Applications (Subject to Federal Register Notice Only) The Chuo Trust and Banking Company, Ltd., Tokyo, Japan to engage indirectly in investment advisory activities through a joint venture between Chuo Trust and J. & W. Seligman & Co. Incorporated, New York, New York. 3/12/91 KeyCorp, Albany, New York to engage de novo in providing management consulting advice to nonaffiliated bank and nonbank institutions. 3/11/91 Bankers Trust New York Corporation, New York, New York to engage in trust activities through Bankers Trust Company New York Limited, New York, New York. N/A 2/ Federal Reserve Bank of New York Comment Period Ending Date Ccmpagnie de Suez, Paris, France and Banque Indosuez, New York, New York to engage de novo through their subsidiary, Indosuez Carr Futures, Inc., Chicago, Illinois, in the provision of brokerage and incidental investment advisory services with respect to certain stock index futures contracts and options. N/A SECTION IV Applications Not Involving ________Public Comment_______ None. SECTION V Availability of CRA Public Evaluations February 16, 1991 through February 23. 1991 NAME OF BANK 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. N/A - Not Available Date specified in Federal Register notice; a later date may be specified: in the newspaper notice. F E D E R A L R E S E R V E B ANK OF P H I L A D E L P H I A 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 None. SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY Comment Period Ending Date None. SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE None. 1/ Subject to provisions of Community Reinvestment Act. * N/A - not yet available. SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS For week endina 2/22/91 Institutions First Commercial Bank of Philadelphia Philadelphia, PA Examination Date 10/22/90 Applications Bulletin For Week Ending February 23, 1991 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY R e c e i v e d S e c t i o n 4(c)(8) a p p l i c a t i o n on F e b r u a r y 12, 1991 from P i k e v i l l e N a t i o n a l Corporation, Pikeville, Kentucky, to a c q u i r e Fi r s t F e deral S a v i n g s Bank, C a m p bellsville, Kentucky. M a r c h 12, 1991 SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE R e c e i v e d n o t i c e from Fir s t Citiz e n s Bancorp, Sandusky, Ohio, of its intent to r e d e e m up to 15.24 p e r c e n t of its shar e s outstanding. * # N F - S u b j e c t to C R A E x p e c t e d to end a p p r o x i m a t e l y 30 days from t h e d a t e of r e c e i p t N e w s p a p e r C o m m e n t Pe r i o d F e deral R e g i s t e r C o m m e n t Period Federal Reserve Bank of Richmond Section I - Applications Subject to Newspaper Notice Only Application Comment Period Ending Date None. Section II - Applications Subject to Both Newspaper and Federal Register Notice Application Comment Period Ending Date Chesapeake Bancorp, Chestertown, Maryland, to become a bank holding company through the acquisition of 100% of the voting shares of The Chesapeake Bank & Trust Company, Chestertown, Maryland.* 3-29-91 Section III - Applications Subject to Federal Register Notice Application Comment Period Ending Date None. Section IV - Applications Not Subject to Federal Register Notice or Newspaper Notice Application None. ^Application is subject to CRA. Federal Reserve Bank of Richmond Availability of CRA Public Evaluations Week ending February 22, 1991 Examination Date____ None. Applications Federal R e s e r v e Bank of A t l a n t a Bulle t i n for W e e k Ending F e b r u a r y 22. 1991 S e c t i o n 1 - A p p l i c a t i o n s S u b j e c t to N e w s p a p e r N o t i c e O n l y Application Southern Heritage Savings Bank Winterville, Georgia To e s t a b l i s h a b r a n c h o f f i c e at 247 W e s t C l a y t o n Street, Athens, Georgia, to be k n o w n as C l a y t o n S t r e e t Branch. 03-14-91 (CRA) Alerion Bank N e w Orleans, L o u i s i a n a To e s t a b l i s h a b r a n c h o f f i c e at 3909 L a P a l c o Boulevard, Harvey, Louisiana, to be k n o w n as t h e L a P a l c o Office. 03-15-91 (CRA) S e c t i o n 2 - A p p l i c a t i o n s S u b j e c t To B o t h N e w s p a p e r and Federal R e g i s t e r N o t i c e C o m m e n t P e r i o d E n d i n g Date Application PBA Financial Corporation Mobile, A l a b a m a To acquire PBA Bancorporation, Centreville, Alabama, and thereby indirectly acquire its banking subsidiary, Peoples Bank of Alabama, C e n treville, Alabama. P e o p l e s P r e f e r r e d Bancshares, Inc. Colquitt, G e o r g i a 1-BHC formation, The Pe o p l e s Colquitt, Georgia. T i f t o n Banks, Inc. Tifton, G e o r g i a 1-BHC formation, Tifton Company, Tifton, Georgia. 03-09-91 Newspaper Bank, 03-01-91 Newspaper Bank & Trust S e c t i o n 10 - A v a i l a b i l i t y of C R A P u b l i c E v a l u a t i o n s E x a m i n a t i o n Date Bank Jefferson Bank L a u d e r d a l e Lakes, 12-03-90 Florida M o u n t a i n B a n k of G e o r g i a Hiawassee, G e o r g i a 12-03-90 W e e k E n d i n g F e b r u a r y 22, 1991 Federal R e s e r v e Bank of A t l a n t a Recently Approved Applications Application Ce n t r a l B a n c s h a r e s of the South, Inc. Birmingham, A l a b a m a To a c q u i r e T r u s t Company, Houston, Texas, and T r u s t Corporation, Houston, Texas, through its wholly-owned subsidiary, C ompass Bancshares, Inc., Houston, Texas, and e n g a g e in t r u s t c o m p a n y activities, pursuant to Section 2 2 5 . 2 5 ( b ) (3) of R e g u l a t i o n Y. Approval Date 0 2 - 11-91 Central B a n c s h a r e s of the South, Inc. Birmingham, A l a b a m a To indirectly acquire River Oak s Bancshares, Inc., Houston, Texas, and its banking subsidiary, River Oaks Bank, Houston, Texas, through Compass Bancshares, Inc., Houston, Texas, a wholly-owned subsidiary of Central B a n c s h a r e s of the South, Inc. p u r s u a n t to Section 3(a)(3) of the Bank Holding C o m p a n y Act. C e ntral B a n c s h a r e s of the South will also merge River Oaks Bancshares with and into Comp a s s Bancshares, Inc. pursuant to Section 3 ( a ) (5) of the B a n k H o l d i n g C o m p a n y Act. 02-11-91 Sovran Bank/Central South Nashville, T e n n e s s e e To e s t a b l i s h a c a s h d i s p e n s e r (automated teller machine) at 1135 Freightliner Drive, Nashville, Tennessee, and at 3150 St a r n e s Cove, Memphis, Tennessee, to be k n o w n as M. S. C a r r i e r s Cash Dispenser. 02-22-91 Federal Reserve Bank of Chicago T h 2§ Section I - Applications Subject to Newspaper Notice Only Caiment Period Ending Date Application Merger/ Branch Ccmerica Bank - Detroit Detroit, Michigan Ccmerica Bank National Association Jackson, Michigan See attached for branch locations* N - 1-18-91 Branch Midwest Guaranty Bank Troy, Michigan 33897 Five Mile Road Livonia, Michigan* N - ** Merger Union Bank/Streator Streator, Illinois Ottawa National Bank Ottawa, Illinois* N - 1-23-91 Branch Union Bank/Streator Streator, Illinois 122 W. Madison Ottawa, Illinois* N - 1-23-91 Branch Union Bank/Streator Streator, Illinois 119 W. Jefferson Street Ottawa, Illinois* N - 1-23-91 Branch Union Bank/Streator Streator, Illinois 401 E. McKinley Road Ottawa, Illinois* N - 1-23-91 Section II - Applications Subject to Both Newspaper anrf utafteral Register Notice Comment Period Tyge Application Y-2 Firstbank of Illinois Co. Springfield, Illinois PBM Bancorp, Inc. Marion, Illinois Peeples Bank of Marlon Marion, Illinois* Rend Lake Bank Christopher, Illinois* Jefferson County Bancorp, Inc. Jefferson, Wisconsin Jefferson County Bank Jefferson, Wisconsin* E n d in g n a t e FR - 3-12-91 - 1-23-91 N FR - 3-11-91 N - 2-15-91 Federal Reserve Bank of Chicago Section II - Applications Subject to Both Newspaper and Federal Register Notice (continued) Comment Period Ending Date Type Application Y-2 Farmers Savings Bank, Trustee of Fanners FR - 2-19-91 Savings Bank Employee Stock Ownership N - 2-23-91 Plan and Trust West Union, Icwa BJS, Inc., West Union, Icwa Westmont Corporation, West Union, Icwa The Fanners Savings Bank, West Union, Icwa* Y-2 Northern Trust Corporation Chicago, Illinois Northern Trust of California Corporation Chicago, Illinois FR - 3-13-91 N - 3-11-91 Northern Trust of California National Association Santa Barbara, California Tri-Valley National Bank Dublin, California* Y-2 Northern Trust of California Corporation Chicago, Illinois Northern Trust of California National Association FR - 3-13-91 N - 3-11-91 Santa Barbara, California Tri-Valley National Bank Dublin, California* Y-2 Johnson International, Inc. Racine, Wisconsin Biltmore Investors Bank New Holland, Illinois (formerly Lake County Bank & Trust Company)* FR - ** N - 3-18-91 Y-2 H P Holding Company Oak Park, Illinois Bank of Commerce & Industry Chicago, Illinois* FR - ** N - ** Y-2 Firstbank of Illinois Co. Springfield, Illinois Central Banc System, Inc. Fairview Heights, Illinois Central Bank FR - ** N - ** F airview H eights, I l l i n o is Fanners & Merchants Bank of Carlinville Carlinville, Illinois* Federal Reserve Bank of Chicago Tj^e Rarrhion III - Applications Subject to Fcrteral Register Notice Only Canment Period Rndinrr nate Application 4(c)(8) First Michigan Bank Corporation Holland, Michigan FR - 3-8-91 FMB-Brokerage Services, Inc. Holland, Michigan 4(c)(8) ABN Amro USA, Inc. (ABN Amro North America, Inc.) Chicago, Illinois Chemical Investment Group, Inc. Chicago, Illinois FR - 2-18-91 4(c)(8) ABN Amro USA, Inc. (ABN Amro North America, Inc.) FR - 2-18-91 Chicago, Illinois Investment and Capital Management Corp. Chicago, Illinois 4(c)(8) ABN Amro Holding, N.V. Amsterdam, The Netherlands Chemical Investment Group, Inc. Chicago, Illinois FR - 2-18-91 4(c)(8) ABN Amro Holding, N.V. Amsterdam, The Netherlands Investment and Capital Management Corp. Chicago, Illinois FR - 2-18-91 4(c)(8) Algemene Bank Nederland, N.V. Amsterdam, The Netherlands Chemical Investment Group, Inc. Chicago, Illinois FR - 2-18-91 4(c)(8) Algemene Bank Nederland, N.V. Amsterdam, The Netherlands Investment and Capital Management Corp. Chicago, Illinois FR - 2-18-91 4(c)(8) LaSalle National Corporation Chicago, Illinois FR - 2-18-91 Chemical Investment Group, Inc. Chicago, Illinois 4(c)(8) LaSalle National Corporation Chicago, Illinois Investment and Capital Management Corp. Chicago, Illinois FR - 2-18-91 Federal Reserve Bank of Chicago Type Section III - Applications Subject to Federal Register Notice Only (continued) Comment Period Rnriinn nate Application 4(c)(8) Stichting Administratiekantoor ABN AMRO Bolding Amsterdam, The Netherlands Chemical Investment Group, Inc. Chicago, Illinois FR - 2-18-91 4(c)(8) Stichting Administratiekantoor ABN AMRO Holding Amsterdam, The Netherlands Investment and Capital Management Corp. Chicago, Illinois FR - 2-18-91 4(c) (8) Stichting Prioriteit ABN AMRO Holding Amsterdam, The Netherlands Chemical Investment Group, Inc. Chicago, Illinois FR - 2-18-91 4(c)(8) Stichting Prioriteit ABN AMRO Holding Amsterdam, The Netherlands Investment and Capital Management Corp. Chicago, Illinois FR - 2-18-91 Y-4 ABN/AMRO Holding N.V. Amsterdam, The Netherlands OBI Holdings, Inc. New York, New York FR - ** Y-4 Amsterdam Rotterdam Bank N.V. Amsterdam, The Netherlands DBI Holdings, Inc. New York, New York FR - ** 4(c)(8) Stichting Administratiekantoor ABN AMRO Holding Amsterdam, The Netherlands DBI Holdings, Inc. New York, New York FR - ** 4(c)(8) Stichting Prioriteit ABN AMRO Holding Amsterdam, The Netherlands OBI Holdings, Inc. New York, New York FR - ** Y-4 Northern States Financial Corporation Waukegan, Illinois First Federal Bank, FSB Waukegan, Illinois FR - ** Federal Reserve Bank of Chicago SECTION IV - Applications Not Subject to Federal Register Notice Or Newspaper Notice Type Application None N FR * ** - Newspaper Federal Register Subject to Provisions of Community Reinvestment Act Not available at this time AVAILABILITY OF CRA PUBLIC DISCLOSURES The following institutions were examined for CRA. The 30-business day period the bank has to mate the evaluation public has elapsed. This list covers the week ending Friday, February 22, 1991. BANK NAME/LOCATICN EXAMINATION DATE -Security Svings Bank Farnhamville, Iowa 10-01-90 -Calumet County Bank Brillion, Wisconsin 10-29-90 -Bank of Elmwood Racine, Wisconsin 11-05-90 -Farmers & Merchants Savings Bank Manchester, Iowa 10-22-90 -Chemical Bank Michigan Clare, Michigan 10-29-90 -Beverly Bank of Lockport Lockport, Illinois 11-19-90 -First State Bank Greene, Icwa 10-22-90 -Norwest Bank, Wisconsin-Waupun Waupun, Wisconsin 09-24-90 -First State Bank Churdan, Icwa 09-10-90 BRANCH LOCATIONS COMERICA BANK NATIONAL ASSOCIATION , COMERICA BANK-DETR01T , DETROIT, MICHIGAN. jackson, Michigan, to merge with DATE ACQUIRED Main Office 245 W. Michigan Avenue Jackson, Michigan 49201 7-12-82 East Jackson Office 2815 E. Michigan Avenue Jackson, Michigan 49202 7-12-82 Brooklyn Office 11351 Brooklyn Road Brooklyn, Michigan 49230 7-12-82 Grass Lake Office 115 E. Michigan Avenue Grass Lake, Michigan 49240 7-12-82 Southwest Plaza Office 103 W. Prospect Jackson, Michigan 48203 7-12-82 Paka Plaza Office 1014 Paka Plaza Jackson, Michigan 49202 7-12-82 Michigan Center Office 4522 Page Avenue Michigan Center, Michigan 49254 7-12-82 Napoleon Office 121 W. Brooklyn Road Napoleon Township, Michigan 49261 7-12-82 South Jackson Office 2005 S. Jackson Road Summit Township, Michigan 49203 7-12-82 Cascades Office 820 W. High Street Jackson, Michigan 49203 7-12-82 Thrifty Acres Office 2777 Airport Road Blackman Township, Michigan 49201 7-12-82 Concord Office 101 S. Main Street Concord, Michigan 49237 7-12-82 Spring Arbor Office 7991 Spring Arbor Road Spring Arbor Twp, Michigan 49283 7-12-82 Manchester Office 135 E. Main Street Manchester, Michigan 48158 7-12-82 Manchester AutoBank ,110 E. Duncan Street Manchester, Michigan 48158 7-12-82 Westwood Office 1620 W. Michigan Avenue Blackman Township, Michigan 49202 7-12-82 Downtown AutoBank / 301 S. Jackson Street Jackson, Michigan 49201 7-12-82 Campau Square Office 99 Monroe Avenue, N.W. Grand Rapids, Michigan 49503 10-1-89 Woodland Office 3215 28th Street, SJE. Kentwood, Michigan 49508 10-1-89 44th - Eastern Office 777 44th Street, S.E. Kentwood, Michigan 49508 10-1-89 52nd - Kalamazoo Office 5135 Kalamazoo, SJE. Kentwood, Michigan 49508 10-1-89 Alpine Office 2500 Alpine, N.W. Grand Rapids, Michigan 49504 10-1-89 Breton Office 1835 Breton, SJL Grand Rapids, Michigan 49506 10-1-89 Cascade Office 6511 28th Street, S.E. Cascade Township, Michigan 49506 10-1-89 Downtown Office 201 Monroe, N.S. Grand Rapids, Michigan 49506 10-1-89 Grandville Office 4480 Wilson, S.E. Grandville, Michigan 49418 10-1-89 Plainfield Office 4065 Plainfield, N.E. Plainfield Township, Michigan 49505 10-1-89 S. Fifth-Washington 125 S. Fifth Ann Arbor, Michigan 48104 3-2-83 Huron Parkway Washtenaw 3305 Washtenaw Ann Arbor, Michigan 48104 3-2-83 Stadium Blvd. Pauline 1969 W. Stadium Ann Arbor, Michigan 48103 3-2-83 Campus (Thayer-N. University) 777 N. University Ann Arbor, Michigan 48104 3-2-83 Wolverine (Briarwood) (S. State-Eisenhower) 3001 S. State Ann Arbor, Michigan 48108 3-2-83 Plymouth-Huron Parkway 2001 N., Huron Parkway Ann Arbor, Michigan 48105 3-2-83 Auto Bank 314 Washington Ann Arbor, Michigan 48104 3-2-83 Washtenaw-Foster 4745 Washtenaw Ann Arbor, Michigan 48108 7-18-90 Jackson-Maple 2603 Jackson Ann Arbor, Michigan 48103 10-12-89 Central Office 25 W. Michigan Mall Battle Creek, Michigan 49016 6-34 Lakeview 637 Capital Avenue, S.W. Battle Creek, Michigan 49015 8-50 Urbandale 1535 W. Michigan Avenue Battle Creek, Michigan 49017 3-61 Springfield 215 N. 20th Street Battle Creek, Michigan 49015 10-72 Columbia-Riverside 912 E. Columbia Avenue Battle Creek, Michigan 49015 10-72 Verona-Pennfield 780 Capital Avenue, N.E. Battle Creek, Michigan 49017 7-76 Capital-Dickman (AutoBank) 170 Capital Avenue, S.W. Battle Creek, Michigan 48015 9-82 Maple Hill 5080 W. Main Kalamazoo, Michigan 49007 1971 Main Office 151 S. Rose Street Kalamazoo, Michigan 49007 10-28 Portage 7941 S. Westnedge Kalamazoo, Michigan 49007 1953 Washington Square 1225 Portage Road Kalamazoo, Michigan 49007 1949 Plainwell 1307 East M-89 Plainwell, Michigan 49080 7-78 Comstock 5937 King Highway Comstock, Michigan 49041 6-56 Augusta 204 S. Webster Augusta, Michigan 49012 6-50 Southland 6150 S. Westnedge Kalamazoo, Michigan 49002 1974 Oakwood 2025 Whites Road Kalamazoo, Michigan 49007 1962 Gull Road 5560 Gull Road Kalamazoo, Michigan 49007 1979 G.M. Auto Bank 3512 Sprinkle Road Kalamazoo, Michigan 49007 1967 Muskegon Mall Office 161 Muskegon Mall Muskegon, Michigan 49440 11-1-1870 Muskegon Heights Office 19 W. Broadway 5-16-33 Muskegon Hts., Michigan 49444 (Received OCC approval to relocate this office to 2730 Sanford Street, Muskegon, Heights, Michigan 49444 on 12-6-90. The move is expected to occur on Januaiy 14,1991.) Montague Office 4555 Dowling Montague, Michigan 49437 2-11-56 Apple Avenue Office 885 Apple Ave. Muskegon, Michigan 49442 7-24-57 Clay Avenue Office 216 W. Clay Ave. Muskegon, Michigan 49440 1-17-62 Northside Office 414 Center St. North Muskegon, Michigan 49445 5-20-63 Norton-Main Office 801 W. Norton Muskegon, Michigan 49441 3-31-65 Eastside Office 2133 E. Apple Ave. Muskegon, Michigan 49442 9-8-69 Robbins Road Office 1102 Robbins Rd. Grand Haven, Michigan 49417 1-4-84 Circle Office 401 S. Saginaw Road Midland, Michigan 48640 11-15-82 Downtown Office 201 McDonald Street Midland, Michigan 48640 11-15-82 Eastman Road Office 1616 N. Saginaw Road Midland, Michigan 48640 11-15-82 Bay City Road Office 3205 Bay City Midland, Michigan 48640 11-15-82 Beaverton Office 370 N. Ross Beaverton, Michigan 48612 11-15-82 Capitol Office 200 N. Capitol Lansing, Michigan 48933 6-85 OCC APPROVED ATMS: Foote Hospital (ATM) 205 Northeast Jackson, Michigan 49201 Central Office (ATM) 3333 Sargent (Jacobson’s Headquarters) Jackson, Michigan 49201 6-4-85 7-12-82 Woodland Mall (ATM) One Woodland Mall Kentwood, Michigan 49508 10-1-89 Campus Corners(ATM) 621 Packard Ann Arbor, Michigan 4-85 S. University(ATM) 1217 S. University Ann Arbor, Michigan 4-85 U of M - Michigan (ATM) 530 S. State Union (2 machines) Ann Arbor, Michigan 10-86 Briarwood Mall (ATM) 100 Briarwood Cr. Ann Arbor, Michigan 9-86 Administration Bldg. (ATM) 2101 Bonisteil Ann Arbor, Michigan 10-87 Michigan Lesgue(ATM) 911 N. University Ann Arbor, Michigan 10-87 U of M - North Campus (ATM) 1009 Greene Ann Arbor, Michigan 12-87 Corklane #405 (ATM) 1000 E. Cork Street Kalamazoo, Michigan 49001 1-80 Oshtemo #486(ATM) 6430 W. Michigan Oshtemo, Michigan 49077 1-80 Crossroads #482(ATM) 6650 S. Westnedge Kalamazoo, Michigan 49002 11-87 Crossroads #490(ATM) 6650 S. Westnedge Kalamazoo, Michigan 49002 11-87 Meyer Store (ATM) 1824 Holton Road Muskegon, Michigan 49445 11-9-90 South University (ATM) 1335 S. University Ann Arbor, Michigan 48104 11-9-90 \...\maxm«Wd m\ brine h 90. toe Federal Reserve Bank of St. Louis FOR THE WEEK ENDING FEBRUARY 22, 1991 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE Application End of Comment Period None. SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE Application End of Comment Period Change in control notification involving Peoples Bancorp, Inc. of Bullitt County, Shepherdsville, Kentucky, by George and Lillian Hardy Not yet available SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE Application End of Comment Period Section 4(c)(8) application by Crawford Bancorp, Inc., Robinson, Illinois, to acquire Peoples Building and Loan Association of Oblong, Oblong, Illinois Not yet available SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE Application End of Comment Period Stock redemption notification by Peoples Bancorp, Inc. of Bullitt County, Shepherdsville, Kentucky Not yet available Federal Reserve Bank of St. Louis FOR THE WEEK ENDING FEBRUARY 22, 1991 AVAILABILITY OF CRA PUBLIC DISCLOSURES Bank Name City and State The First State Bank of DuQuoin DuQuoin, Illinois Examination Date 11-19-90 FEDERAL RESERVE BANK OF MINNEAPOLIS Section I - Applications Subject to Newspaper Notice Only Comment Period Ending Date Application None. Section II - Applications Subject to Both Newspaper and Federal Register Notice Application Comment Period Ending Date Haugo Bancshares, Inc. Elk Point, SD To acquire Valley Bank Elk Point, SD* 3-11-91 (Federal Register) James Jorstad To acquire control of 50% of Ashby Bancshares, Incorporated, Ashby, Minnesota 3-11-91 (Federal Register) Blue Water Bancshares, Ltd. New Brighton, MN To acquire First State Bank of Graceville Graceville, MN* 3-13-91 (Federal Register) American Community Bank Group, Inc. Minneapolis, MN To acquire Pierce County Bank & Trust Company Ellsworth, WI* 1-28-91 (Newspaper) Duane E. Joseph To increase his ownership from 1% to 25% of Riverside Bancshares Corporation, Minneapolis, MN 3-11-91 (Newspaper) *Subject to CRA FEDERAL RESERVE BANK OF MINNEAPOLIS Section III - Applications Subject to Federal Register Notice Only Comment Period Ending Date Application Commercial Banshares, Inc. Mitchell, SD To acquire Spectrum Life Insurance Company, Mitchell, SD Not yet available Ashby Bancshares, Incorporated Ashby, Minnesota To engage in general insurance agency activities through the acquisition of Rylander Insurance Agency, Ashby, Minnesota. 3 11-91 Haugo Bancshares, Inc. Elk Point, SD To engage in general insurance agency activities through the acquisition of Union County Insurance Agency, Elk Point, SD. 3 11-91 Lewis Banshares, Inc. Armour, SD To engage in general insurance agency activities through the acquisition of First State Insurance Agency, Armour, South Dakota. Not yet available Norwest Corporation Minneapolis, MN To acquire Simons and Gregoire Agency, Inc., Marshall, MN Not yet available - - Section IV - Applications Not Subject to Federal Register Notice or Newspaper Notice Application No n e . FEDERAL RESERVE BANK OF MINNEAPOLIS Section V - Availability of CRA Public Evaluations week ending February 22, 1991 Bank Name None City/State Examination Date Federal Reserve Bank of Kansas City SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY APPLICATION C O M M E N T P E R I O D E N D I N G DA T E None. S E C T I O N II - A P P L I C A T I O N S SU B J E C T T O B O T H NEWSPAPER AND FEDERAL REGISTER NOTICE APPLICATION CO M M E N T P E R I O D E N D I N G D A T E C a l d w e l l C o u n t y Bancshares, Inc., Hamil t o n , Missouri, for prior a p p r o v a l to beco m e a bank holding c o m p a n y t hrough the a c q u i s i t i o n of 98 p e r c e n t of the voti n g shares of C a l d w e l l C o u n t y Bank, Hamilton, M i s s o u r i .* Not A v a i l a b l e BOK F i n a n c i a l Corporation, Tulsa, Oklah o m a , for prior a pproval to b e c o m e a bank h olding co m p a n y through the a c q u i s i t i o n of 99.99 percent of the v o t i n g shares of Bank of Oklah o m a , N . A . , Tulsa, Okla h o m a . * Not A v a i l a b l e C.L. Craig, Jr., a n d M i c h a e l T. Craig, O k l a h o m a City, Oklahoma, as t r u s t e e s of C l e o L. Cra i g Trust, to a c q u i r e 16.34 percent, and as t r u s t e e s of C l e o L. C raig G r a n d c h i l d r e n s Trust, to acquire 83.18 p e r c e n t of the v o t i n g shares of L a w t o n S e c u r i t y Bancshares, Inc., Lawton, Oklahoma. Not A v a i l a b l e C h a r l e s V. Sederstrom, Jr. and V i r g i l K. Johnson, Trustees, Midlands F i n a n c i a l Services, Inc., Vo t i n g Trust, Omaha, Nebraska, for prior a p p r o v a l to a c q u i r e 37.1 percent of the v o t i n g s h ares of M i d l a n d s F i n a n c i a l Services, Inc., O m a h a , Nebraska. M a r c h 11, 1991 D e n n i s Monaghan, Omaha, Nebraska, for pri o r a p p r o v a l to increase his p r o p o r t i o n a t e o w n e r s h i p interest in A s h l a n d Bancshares, Inc., Ashland, N e b r aska, by 44.7 p e rcent to 67 percent. M a r c h 13, 1991 Federal Reserve Bank of Kansas City S E C T I O N III - A P P L I C A T I O N S S UBJECT T O F E D E R A L R E G I S T E R N O T I C E O N L Y APPLICATION COMMENT PERIOD ENDING DATE First C o m m u n i t y Bancshares, Inc., L o n e Grove, Oklahoma, for prior a p p r o v a l to a c quire 100 percent of the v o ting shares of C o m munity S a v i n g s and Loan Association, Ardm o r e , Oklahoma, an interim savings and loan association. Not A v a i l a b l e S E C T I O N IV - A P P L I C A T I O N S N O T S U BJECT T O F E D E R A L R E G I S T E R N O T I C E OR NEWSPAPER NOTICE APPLICATION None. SECTION X - AVAILABILITY OF CRA PUBLIC EVALUATIONS* EXAMINATION DATE W e s t e r n Bank of Cody, Cody, Wyoming Bank of C u shing & Trust Co., Oklahoma * A p p l i c a t i o n is subject to CRA Cushing, December 3, 1990 December 3, 1990 FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF FEBRUARY 18, 1991 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY APPLICATION NOTICE EXP None. SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE APPLICATION ** NOTICE EXP Change in Control Notice by Dunkin Family Trust, Harlingen, TX, to acquire an interest in Harlingen National Bancshares, Inc., Harlingen, TX N/A *Section 3(a)(1) application by Northpark Financial Corporation of Delaware, Wilmington, DE, to acquire Northpark National Bank, Dallas, TX 03/15/91 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. FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN SECTION X - AVAILABILITY OF CRA PUBLIC EVALUATIONS FOR THE WEEK OF FEBRUARY 18, 1991 Name of Bank None. City & State Date of Examination FEDERAL RESERVE BANK OF SAN FRANCISCO Week ending 2/22/91 Section I - Applications Subject to Newspaper Notice Only Application Comment Period Ending Date Farmers & Merchants Bank of Central California, Lodi, California, to establish a branch office at 901 Carpenter Road, Modesto, California. * Newspaper; Not available First Interstate Bank of California, San Francisco, California, to establish a branch at 1320 Willow Pass Road, Concord, California. * Newspaper: 3/15/91 Section II - Applications Sub.iect to Both Newspaper and Federal Register Notice Denali Bancorporation, Inc., Fairbanks, Alaska, to become a bank holding company through the acquisition of Denali State Bank Fairbanks, Alaska. * Newspaper: Not available Fed. Reg.: 3/22/91 Section III - Applications Sub.iect to Federal Register Notice Only The Sanwa Bank, Limited, Osaka, Japan, to engage in designated dealer activities with respect to government agency and other eligible securities through a joint account to be known as Sanwa-BGK/SLK, New York, N.Y. Fed. Reg.: 3/18/91 Section IV - Applications Not Sub.iect to Federal Register Notice or Newspaper Notice None Section V - Availability of CRA Public Evaluations * The CRA public evaluations of the institutions below became available during the week ending February 22, 1991. Information about an institution's CRA evaluation may be obtained from the institition. Institution Location Mid-Peninsula Bank Palo Alto, CA * Subject to CRA Examination Date 11/13/90