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ANNOUNCEMENT BY BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM H.2, 1987, No. 2 Actions of the Board Applications and Reports Received During the Week Ending January 10, 1987 ACTIONS OF THE BOARD Risk-based capital framework for banks and bank holding companies developed jointly by the Bank of England, the Comptroller of the Currency, the Federal Deposit Insurance Corporation, and the Federal Reserve; agreement to request public comment (Docket R-0567). Boston BTP Corp., Boston, Massachusetts — extension to April 3, 1987, to engage de novo in loan activities. 1/ Cleveland Marine Bank, Warren, Pennsylvania — proposed merger with The First National Bank of Cochranton, Cochranton, Pennsylvania — report to the Comptroller of the Currency on competitive factors. 1/ Cleveland First Security Corporation of Kentucky, Lexington, Kentucky and First Security Affiliates, Inc., extension to February 19, 1987, to acquire State Financial Bancshares, Inc., and State Bank and Trust Company of Richmond, Richmond, Kentucky. 1/ Cleveland Ohio Bancorp, Youngstown, Ohio — extension to April 11, 1987, to engage de novo in certain services through Florida Trust Services of Ohio Bancorp, Naples, Florida. 1 / Richmond 1/ The Business Bank, Vienna, Virginia — extension to April 1, 1987, to withdraw from membership in the Federal Reserve System. 1/ Application processed on behalf of the Board of Governors under delegated authority. H.2, 1987, No. 2 2 ACTIONS OF THE BOARD- Continued Richmond Federal Savings Bank of Maryland, Baltimore, Maryland — proposed merger with State Savings and Loan Association — report to the Federal Deposit Insurance Corporation on competitive factors. 1/ Atlanta First Bank of Crestview, Crestview, Florida — investment in bank premises. 1/ Atlanta Commerce Union Bank, Johnson City, Tennessee -- to invest in bank premises. 1/ Atlanta Bank Independent, Sheffield, Alabama — investment in bank premises. 1/ Atlanta Central Bank of The South, Birmingham, Alabama -- investment in bank premises. 1/ Atlanta Sun Bank/West Florida, N.A., Pensacola, Florida — proposed merger with Sun First National Bank of De Funiak Springs, De Funiak Springs, Florida — report to the Comptroller ' of the Currency on competitive factors. 1/ Atlanta Cima, C.A., Caracas, Venezuela, and Banco Mercantil, C.A., — extension to April 23, 1987, to acquire Commercebank, N.A., Miami, Florida. 1/ Atlanta Cayman Investment Company (Delta), George Town, Grand Cayman, Cayman Islands, and Delta South Bancorp, Inc., Dover, Delaware — extension to April 7, 1987, to acquire Delta National Bank and Trust Company of Florida, Miami, Florida. 1/ Atlanta Homebanc Corporation, Guntersville, Alabama — extension to March 25, 1987, to acquire Bank of Albertville, Albertville, Alabama. 1/ Chicago Central-State Bancorp, Inc., Frankfort, Michigan — extension to March 24, 1987, to acquire State Savings Bank, and Central State Bank, Beulah, Michigan. 1/ Chicago Davenport Bank and Trust Company, Davenport, Iowa — investment in bank premises. 1/ 1/ Application processed on behalf of the Board of Governors under delegated authority. H.2, 1987, No. 2 3 ACTIONS OF THE BOARD- Continued Chicago Peoples Bank and Trust Company, Waterloo, Iowa — proposed merger with Parkersburg State Bank, Parkersburg, Iowa — report to the Federal Deposit Insurance Corporation on competitive factors. 1/ Chicago Bankers Trust Company, Des Moines, Iowa — investment in bank premises. 1/ Chicago State Financial Services Corporation, Hales Corners, Wisconsin — extension to March 31, 1987, to acquire Edgewood Bank, Greenfield, Wisconsin. 1/ Kansas City First National of Nebraska, Inc., Omaha, Nebraska — extension to April 1, 1987, to engage de novo in loan activities through First National Leasing Inc. 1/ Dallas Texas American Bank/Las Colinas, N.A., Irving, Texas — proposed merger with Texas American Bank/Dallas, Dallas, Texas — report to the Federal Deposit Insurance Corporation on competitive factors. 1/ Dallas Central National Bank, Pharr, Texas — proposed merger with Alamo Bank of Texas, Texas — report to the Federal Deposit Insurance Corporation on competitive factors. 1/ Dallas Texas Commerce Bank - San Antonio NW, N.A., San Antonio, Texas and Texas Commerce Bank-San Antonio — proposed merger with Texas Commerce Bank-San Antonio, Loop — report to the Federal Deposit Insurance Corporation on competitive factors. 1/ * * * * * To Merge Pursuant to Section 18(c) of the Federal Deposit Insurance Act Withdrawn San Francisco Bank of Coronado, Coronado, California — merge with Capital Bank of Carlsbad, Carlsbad, California. (1/9/87)* to * * * * * 1/ Application processed on behalf of the Board of Governors under delegated authority. H.2, 1987, No. 2 4 ACTIONS OF THE BOARD- Continued To Establish a Domestic Branch Pursuant to Section 9 of the Federal Reserve Act Approved Atlanta First Bank of Crestview, Crestview, Florida — to establish a branch at State Road 85 and Redstone Road in the Court Plaza Shopping Center, Crestview, Florida, to be known as the Court Plaza Office of First State Bank. 1/ (1/6/87) Chicago First of America Bank - Ann Arbor, Ann Arbor, Michigan — to establish a branch at the northeast corner of the intersection of Stadium Boulevard and Pauline Boulevard, Ann Arbor, Michigan. 1/ (1/6/87) Chicago Security Bank, Marshalltown, Iowa — to establish branches at Eldora and Steamboat Rock, Iowa. 1/ (1/9/87) * * * * * To Become a Member of the Pederal Reserve System Pursuant to Section 9 of the Federal Reserve Act Approved Richmond Hardy County Bank, Inc., Wardensville, West Virginia. 1/ (1/6/87) Atlanta United Citizens Bank of Alachua County, Alachua, Florida. 1/ (1/8/87) San Francisco The Bank of Verde Valley, Cottonwood, Arizona — a proposed new bank. 1/ (1/2/87) * * * * * To Merge Pursuant to Section 18(c) of the Federal Deposit Insurance Act Approved Richmond 1/ Hardy County Bank, Inc., Wardensville, West Virginia — to merge with The Capon Valley Bank, Wardensville, West Virginia. (1/6/87) 1/ Application processed on behalf of the Board of Governors under delegated authority. H.2, 1187, No. 2 5 ACTIONS OP THE BOARD- Continued Chicago Security Bank, Marshalltown, Iowa — to merge with Hawkeye Bank & Trust, Eldora, Iowa. 1/ (1/9/87) * * * * * To Form a Bank Holding Company Pursuant to Section 3(a)(1) of the Bank Holding Company Act of 1956 Withdrawn New York Asia Bancshares, Inc., Flushing, New York — for approval to acquire Asia Bank, N.A., Flushing, New York. (11/7/86) Kansas City Love County Bancorp, Marietta, Oklahoma — for approval to acquire 80 percent of the voting shares Bank of Love County, Marietta, Oklahoma. (1/8/87) * * * * * Returned Minneapolis Sauk Centre Financial Services, Inc., Sauk Centre, Minneapolis — for approval to acquire 100 percent of the voting shares of First National Bank of Sauk Centre, Sauk Centre, Minnesota. (1/2/87) * * * * * Approved Cleveland Banc Services Corp., Orrville, Ohio — for approval to acquire 100 percent of the voting shares of The Orrville Savings Bank, Orrville, Ohio. 1/ (1/5/87) Richmond Citizens Financial Corp., Elkins, West Virginia — for approval to acquire 100 percent of the voting shares of Citizens National Bank of Elkins, Elkins, West Virginia. 1/ (1/9/87) 1/ Application processed on behalf of the Board of Governors under delegated authority. H.2, 1987, No. 2 6 ACTIONS OF THE BOARD- Continued Richmond First Merchants Bancorp, Inc., Montgomery, West Virginia — for approval to acquire 100 percent of the voting shares of The Merchants National Bank of Montgomery, Montgomery, West Virginia, and The Gauley National Bank, Gauley Bridge, West Virginia. 1/ (1/7/87) Atlanta Belfast Holding Company, Belfast, Tennessee — for approval to acquire 100 percent of the voting shares of Bank of Belfast, Belfast, Tennessee. 1/ (1/5/87) Chicago FNB Corp, Mount Clemens, Michigan — for approval to acquire 100 percent of the voting shares of First National Bank in Mount Clemens, Mount Clemens, Michigan. 1/ (12/30/86) Chicago ICNB Financial Corp., Ionia, Michigan — for approval to acquire 100 percent of the voting shares of The Ionia County National Bank of Ionia, Ionia, Michigan. 1/ (1/7/87) St. Louis Madison Corporation, Little Rock, Arkansas — for approval to acquire at least 86.7 percent of the voting shares of Madison Bank and Trust, Kingston, Arkansas. 1/ (1/7/87) St. Louis Parkin Bancorp, Inc., Parkin, Arkansas -- for approval to acquire 100 percent of the voting shares of First State Bank, Parkin, Arkansas. 1/ (1/9/87) St. Louis Union County Bancshares, Inc., Anna, Illinois — for approval to acquire 100 percent of the voting shares of The Anna National Bank, Anna, Illinois. 1/ (1/5/87) Minneapolis Morristown Holding Company, Minneapolis, Minnesota — for approval to acquire 100 percent of the voting shares of State Bank of Morristown, Morristown, Minnesota. 1/ (1/8/87) Dallas Goliad Bancshares, Inc., Goliad, Texas — for approval to acquire 100 percent of the voting shares of The First National Bank of Goliad, Goliad, Texas. 1/ (1/6/87) 1/ Application processed on behalf of the Board of Governors under delegated authority. 7 H.2, 1987, No. 2 ACTIONS OF THE BOARD- Continued San Francisco Verde Valley Bancorp, Inc., Cottonwood, Arizona — for approval to acquire 100 percent of the voting shares of The Bank of Verde Valley, Cottonwood, Arizona. 1/ (1/5/87) * * * * * To Expand a Bank Holding Company Pursuant to Section 3(a)(3) of the Bank Holding Act of 1956 Approved Boston BankEast Corporation, Manchester, New Hampshire — for approval to acquire 100 percent of BankEast Savings Bank and Trust, Rochester, New Hampshire. 1/ (1/9/87) Richmond Highlands Bankshares, Inc., Petersburg, West Virginia — for approval to acquire 100 percent of the voting shares of The Capon Valley Bank, Wardensville, West Virginia. 1/ (1/9/87) St. Louis First Commercial Corporation, Little Rock, and Northwest Arkansas Bancshares, Inc., Bentonville, Arkansas — for approval to acquire 50 percent of the voting shares of Security National Bank and Trust Company of Norman, Norman, Arkansas. 1/ (1/8/87) Kansas City J.R. Montgomery Bancorporation, Lawton, Oklahoma — for approval to acquire an additional 10 percent of the voting shares of Fort Sill National Bank, Fort Sill, Oklahoma. 1/ (1/9/87)* * 1/ * * * * Application processed on behalf of the Board of Governors under delegated authority. H.2, 1987, No. 2 8 ACTIONS OP THE BOARD- Continued To Expand a Bank Holding Company Pursuant to Section 3(a)(5) of the Bank Holding Company Act of 1956 Approved Boston BankEast Corporation, Manchester, New Hampshire — for approval to acquire 100 percent of the voting shares of United Banks Corporation, Hanover, New Hampshire and indirectly Hanover Bank & Trust Company, Hanover, New Hampshire. 1/ (1/9/87) * * * * * To Expand a Bank Holding Company Pursuant to Section 4(c)(8) of the Bank Holding Company Act of 1956 Returned New York Banco Nazionale Del Lavoro, Rome, Italy -- to engage de novo (making, acquiring and/or servicing loans for itself or for others of the type made by a factor; engaging in full payout personal property leasing) through TIEC Services, Inc., New York, New York. 3/ (1/7/8?) Chicago AMCORE Financial, Inc., Rockford, Illinois — to establish a de novo subsidiary, Amcore Mortgage, Inc., Rockford, Illinois and to engage de novo (making, acquiring and/or servicing loans for itself or for others of the type made by a mortgage company). 3/ (12/30/86) Kansas City O'Neill Properties, Inc., Minneapolis, Minnesota — to continue to engage de novo (engaging in insurance agency activities in a town of less than 5,000 persons) through the acquisition of Meierhenry Agency, Inc., O'Neill, Nebraska. 3/ (1/6/87) Approved Boston BankEast Corporation, Manchester, New Hampshire — to acquire United Appraisals, Inc., Hanover, New Hampshire and engage in appraisals of residential and commercial real estate. 1/ (1/9/87) 1/ Application processed on behalf of the Board of Governors under delegated authority. 3/ Notification processed by Reserve Bank on behalf of the Board of Governors under delegated authority. H.2, 1987, No. 2 9 ACTIONS OF THE BOARD- Continued Chicago FNB Corp, Mount Clemens, Michigan — to engage de novo in credit life and disability reinsurance directly related to extensions of credit. 1/ (12/30/86) Permitted New York Skandinaviska Enskilda Banken, Stockholm, Sweden — to engage de novo (advising a company registered under the Investment Company Act of 1940) 3/ (1/9/87) Cleveland First National Pennsylvania Corporation, Erie, Pennsylvania — to engage de novo (making, acquiring, and/or servicing loans for itself or for others of the type made by a mortgage company) through East Bay Mortgage Corporation, Erie, Pennsylvania. 3/ (1/7/87) Chicago Bank of Montreal, Montreal, Canada; Harris Bancorp, Inc., Chicago, Illinois and Bankmont Financial Corp., New York, New York — to engage de novo (discount securities brokerage activities including certain securities credit and incidental activities) through the acquisition of Harris Brokerage Services, Inc., Chicago, Illinois. 3/ (1/9/87) Chicago First Michigan Bank Corporation, Zeeland, Michigan — to engage de novo (selling credit life, disability, or involuntary unemployment insurance) through its subsidiary, First Michigan Life Insurance Company, Phoenix, Arizona. 3/ (1/7/97) San Francisco Lloyds Bank PLC, London, United Kingdom — to engage de novo (underwriting and dealing in obligations of the United States, general obligations of states and political subdivisions and other obligations in which state members are authorized to underwrite and deal) through Lloyds Government Securities Corporation, New York, New York. The geographic area to be served will be the entire United States. 3/ (1/2/87) 3/ Notification processed by Reserve Bank on behalf of the Board of Governors under delegated authority. H.2, 1987, No. 2 10 ACTIONS OP THE BOARD- Continued San Francisco The Sumitomo Bank, Ltd., Osaka, Japan — to engage de novo (making, acquiring and/or servicing loans for itself or for others of the type made by a commercial finance company; engaging in full pay-out personal real property leasing) through its subsidiary, Sumitomo Bank Capital Markets, Inc., Nev? York, New York. 3/ (1/7/87) San Francisco The Tokai Bank, Limited, Nagoya, Japan — to engage de novo (advising a mortgage or real estate investment trust; advising a company registered under the Investment Company Act of 1940; providing portfolio investment advice to any person; providing economic information and advice, statistical forecasting services, and industry studies; providing financial advice to state and local governments) through Tokai Trust Company of New York, New York, New York 3/ (1/7/87) San Francisco United Security Bancorporation, Chewelah, Washington — to engage de novo (making, acquiring, and/or servicing loans for itself or for others of the type made by a mortgage company) through USB Mortgage Company, Chewelah, Washington. 3/ (1/7/87) * * * * * Redemption of Shares Approved Kansas City Martell Financial Services, Inc., Martell, Nebraska. 1/ (1/6/87) * * * * * Issued Intent Not to Disapprove Change of Control Pursuant to Change in Bank Control Act of 1978 Approved Minneapolis Crookston Financial Services, Inc, Crookston, Minnesota. 1/ (1/6/87) Kansas City Midwest National Bancshares, Inc., Midwest City, Oklahoma. 1/ (1/5/87) 1/ Application processed on behalf of the Board of Governors under delegated authority. 3/ Notification processed by Reserve Bank on behalf of the Board of Governors under delegated authority. H.2, 1987, No. 2 11 APPLICATIONS RECEIVED To Establish a Domestic Branch Pursuant to Section 9 of the Federal Reserve Act Received New York Chemical Bank, New York, New York — to establish a branch at CMP Publications, Inc., 600 Community Drive, Manhasset, New York. 2/ Philadelphia Laurel Bank, Ebensburg, Pennsylvania — to establish a remote service facility at Rt. 220 and Orchard Avenue, Altoona, Pennsylvania. 2/ Richmond Bank of Virginia, Richmond, Virginia -- to establish a branch at the Northeast Intersection of General Booth Boulevard and Dam Neck Road, Virginia Beach, Virginia. 2/ Richmond Bank of Virginia, Richmond, Virginia — to establish a branch at the Southeast Intersection of Route 17 and Washington Square Shopping Center, Grafton, Virginia. 2/ * * * * * To Become a Member of the Federal Reserve System Pursuant to Section 9 of the Federal Reserve Act Received Atlanta Madison County Bank, New Hope, Alabama. 2/ Atlanta Morgan County Bank, Falkville, Alabama. 2/ Chicago The State Bank of Viroqua, Viroqua, Wisconsin. 2/ * * * * * 2/ Application subject to Community Reinvestment Act. The Community Affairs Officer of the applicable Reserve Bank may be contacted as to the length of the comment period. H.2, 1987, No. 2 12 APPLICATIONS RECEIVED - Continued To Form a Bank Holding Company Pursuant to Section 3(a)(1) of the Bank Holding Company Act of 1956 Received New York Community Bancorp, Inc., Glastonbury, Connecticut — for approval to acquire 100 percent of the voting shares of Community National Bank, Glastonbury, Connecticut. 2/ Cleveland CG Bancshares, Inc., Irvine, Kentucky — for approval to acquire 100 percent of the voting shares of Citizens Guaranty Bank, Irvine, Kentucky. 2/ Richmond FNB Corporation, Holly Hill, South Carolina — for approval to acquire 100 percent of the voting shares of The First National Bank of Holly Hill. 2/ Atlanta Enots, Ltd., George Town, Cayman Islands — for approval to acquire 28 percent of the voting shares of Ocean Bankshares, Inc., Miami, Florida and indirectly acquire Ocean Bank of Miami, Miami, Florida. 2/ Atlanta First Bancorp, Inc., Oneida, Tennessee — for approval to acquire 80 percent of the voting shares of The First National Bank of Oneida, Oneida, Tennessee. 2/ Atlanta Nebema, Ltd. George Town, Cayman Islands — for approval to acquire 25 percent of the voting shares of Ocean Bankshares, Inc., Miami, Florida and indirectly acquire Ocean Bank of Miami, Miami, Florida. 2/ Chicago The Citizens State Corporation, Williamsport, Indiana — for approval to acquire 100 percent of the voting shares of The Citizens State Bank, Williamsport, Indiana. 2/ Chicago Wonder — for voting Wonder 2/ Bancorp, Inc., Wonder Lake, Illinois approval to acquire 100 percent of the shares of Wonder Lake State Bank, Lake, Illinois. 2/ Application subject to Community Reinvestment Act. The Community Affairs Officer of the applicable Reserve Bank may be contacted as to the length of the comment period. H.2, 1987, No. 2 13 APPLICATIONS RECEIVED - Continued Minneapolis First State Bank of Miller Profit Sharing Trust No. 1, Miller, South Dakota — for approval to acquire 50 percent of the voting shares of M&H Financial Services, Inc., Miller, South Dakota and indirectly First State Bank of Highmore, Highmore, South Dakota. 2/ Dallas International Bancorporation, Inc., Brownsville, Texas — for approval to acquire 100 percent of the voting shares of International Bank, N . A . , Brownsville, Texas. 2 / Dallas Kilgore Bancshares, Inc, Troup, Texas — for approval to acquire 100 percent of the voting shares of City National Bank of Kilgore, Kilgore, Texas. 2/ Dallas Texstar Financial Corporation, Inc., Azle, Texas — for approval to acquire 99.93 percent of the voting shares of First National Bank of Azle, Azle, Texas. 2/ * * * * * To Expand a Bank Holding Company Pursuant to Section 3(a)(3) of the Bank Holding Company Act of 1956 Received Cleveland Banc One Corporation, Columbus, Ohio — for approval to acquire 11.9 percent of PTC Financial Corp., Peru, Indiana and indirectly The Peru Trust Company, Peru, Indiana. 2/ Atlanta Capital City Bank Group, Inc., Tallahassee, Florida — for approval to acquire 100 percent of the voting shares of Gadsden National Bank, Quincy, Florida, a proposed new bank. 2/ 2/ Application subject to Community Reinvestment Act. The Community Affairs Officer of the applicable Reserve Bank may be contacted as to the length of the comment period. H.2, 1987, No. 2 14 APPLICATIONS RECEIVED - Continued Atlanta Community Group, Inc. Jasper, Tennessee — for approval to acquire 100 percent of the voting shares of Farmers Bank of Lawrence County, Lawrenceburg, Tennessee. 2/ Chicago First Wisconsin Corporation, Milwaukee, Wisconsin — for approval to acquire 100 percent of the voting shares of Du Page Bancshares, Inc, Glen Ellyn, Illinois and indirectly Du Page Bank & Trust Company, Glen Ellyn, Illinois. 2/ Chicago First Wisconsin Corporation, Milwaukee, Wisconsin — for approval to acquire 100 percent of the voting shares of Naper Financial Corporation, Naperville, Illinois, and indirectly Naper Bank Bolingbrook, Bolingbrook, Illinois, and Naper Bank, N.A., Naperville, Illinois. 2/ St. Louis First Commercial Corporation, Little Rock and Northwest Arkansas Bancshares, Inc., Bentonville, Arkansas — for approval to acquire 50 percent of the voting shares of Security National Bank and Trust Company of Norman, Norman, Oklahoma 2/ St. Louis Union Planters Corporation, Memphis, Tennessee — for approval to acquire at least 90 percent of the voting shares of Merchants State Holding Company, Humboldt, Tennessee and indirectly Merchants State Bank, Humboldt, Tennessee. 2/ Minneapolis Houston Bancorporation, Inc., St. Paul, Minnesota — for approval to acquire 100 percent of the voting shares of Citizens State Bank of Hayfield, Hayfield, Minnesota. 2/ Dallas TransTexas Bancshares, Inc. Beaumont, Texas — for approval to acquire 100 percent of the voting shares of Kirbyville Bancshares, Inc., Beaumont, Texas and indirectly Kirbyville State Bank, Beaumont, Texas. 2/ 2/ Application subject to Community Reinvestment Act. The Community Affairs Officer of the applicable Reserve Bank may be contacted as to the length of the comment period. H.2, 1987, No. 2 15 APPLICATIONS RECEIVED - Continued TransTexas Bancshares, Inc., Beaumont, Texas — for approval to acquire 100 percent of the voting shares of Newton Bancshares, Inc., Beaumont, Texas, and indirectly First National Bank of Newton, Newton, Texas and First National Bank of Woodville, Woodville, Texas. 2/ Dallas * * * * * To Expand a Bank Holding Company Pursuant to Section 3(a)(5) of the Bank Holding Company Act of 1956 Received St. Louis Popular Bluff Bancshares, Inc., Popular Bluff, Minnesota — for approval to merge with Mingo Bancshares, Inc., Popular Bluff, Minnesota and indirectly acquire Puxico State Bank, Puxico, Minnesota. 2/ Minneapolis Houston Bancorporation, Inc., St. Paul, Minnesota — for approval to merge with Cottage Grove Bancorporation, Inc, St. Paul, Minnesota and indirectly acquire Minnesota National Bank of Cottage Grove, Cottage Grove, Minnesota. 2/ Minneapolis Houston Bancorporation, Inc., St. Paul, Minnesota — for approval to merge with Ladysmith Corporation, St. Paul, Minnesota and indirectly acquire The Pioneer National Bank of Ladysmith, Ladysmith, Wisconsin. 2/ 2/ Application subject to Community Reinvestment Act. The Community Affairs Officer of the applicable Reserve Bank may be contacted as to the length of the comment period. H.2, 1987, No. 2 16 APPLICATIONS RECEIVED - Continued * * * * * To Expand a Bank Holding Company Pursuant to Section 4(c)(8) of the Bank Holding Company Act of 1956 Received New York Manufacturers Hanover Corporation, New York, New York — for approval to engage through one or more wholly-owned, direct or indirect subsidiaries in underwriting, dealing and acting as placement agent witl! respect to certain securities eligible for ownership, but not underwriting or dealing, by national banks. 2/ Cleveland Trustcorp, Inc., Toledo, Ohio -- to engage de novo (tax planning and preparation) through the Toledo Trust Company, Toledo, Ohio. (1/9/87) Cleveland Trustcorp, Inc., Toledo, Ohio — for approval to acquire William Fall, Inc., Perrysburg, Ohio and thereby engage in appraisal services. Chicago Carroll County Bancshares, Inc., Carroll, Iowa — for approval to acquire Citizens Insurance Services, Inc, Pocahontas, Iowa and thereby engage in general insurance activities. Chicago First Illinois Corporation, Evanston, Illinois — to engage in consumer finance and credit insurance activities through First Illinois Finance Company, an Illinois Corporation, Northbrook, Illinois. San Francisco Security Pacific Corporation, Los Angeles, California — for approval to engage in brokerage and clearance activities through two de novo subsidiaries, respectively, Security Pacific Options Trading Corp., and Security Pacific Options Services Corp., to be located in New York City. 2/ 2/ Application subject to Community Reinvestment Act. The Community Affairs Officer of the applicable Reserve Bank may be contacted as to the length of the comment period.