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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H.2, 1993, No. 4
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending January 23, 1993

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANK HOLDING COMPANIES
FCFT, Inc., Princeton, West Virginia — to acquire
Peoples Bank of Richwood, Inc., Richwood, West
Virginia, and for Peoples Bank to merge with First
Community Bank, Inc., Princeton, West Virginia.
Approved, January 19, 1993.
KeyCorp, Albany, New York, and Key Bancshares of New
York, Inc. — to acquire National Savings Bank of
Albany.
Approved, January 19, 1993.
BANK MERGERS
First Community Bank, Inc., Princeton, West
Virginia — to merge with Peoples Bank of Richwood,
Inc., Richwood, West Virginia, and to establish
branches.
Approved, January 19, 1993.
REGULATIONS AND POLICIES
Section 20 subsidiaries — adoption of an indexed
revenue test.
Approved, January 19, 1993.
RESERVE BANfC OPERATIONS




Federal Reserve Bank of San Francisco — to continue
a multi-year renovation program of the Seattle
Branch building; and delegation of authority to
Director, Division of Reserve Bank Operations and
Payments Systems of the approval of remaining
renovation work planned for 1993-1997.
Approved, January 19, 1993.

H .2
JANUARY 17, 1993
PAGE 2

TO

JANUARY 22, 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

Cole Taylor Bank, Chicago, Illinois — to establish
an offsite electronic facility at 203 Yorktown
Shopping Center, Lombard, Illinois.
Approved, January 20, 1993.

Dallas

First Bank of Muleshoe, Muleshoe, Texas — to
establish a branch at 216 North Broadway, Dimmit,
Texas.
Approved, January 19, 1993.

BANK HOLDING COMPANIES




Cleveland

Citizens, Inc., Evans City, Pennsylvania — to engage
de novo in permissible lending activities.
Permitted, January 17, 1993.

Richmond

Commerce Banc Corporation, Charleston, West
Virginia — to acquire First National Bank,
Beckley, West Virginia.
Approved, January 20, 1993.

Dallas

Commerce Bancshares, Inc., Dover, Delaware —
acquire Hale County State Bank.
Approved, January 21, 1993.

Dallas

First Abilene Bankshares, Inc., Abilene, Texas, and
First Abilene Bankshares of Delaware, Inc.,
Wilmington, Delaware — to acquire Stephenville
Bank & Trust Co., Stephenville, Texas.
Approved, January 21, 1993.

Dallas

First Delaware Bancorp, Inc., Wilmington, Delaware —
to acquire First State Bank of Texas, Denton,
Texas.
Approved, January 19, 1993.

Richmond

First Southern Bancorp, Inc., Asheboro, North
Carolina — to acquire First Southern Savings Bank,
Inc., SSB, Asheboro, North Carolina.
Approved, January 20, 1993.

to

H.2

JANUARY 17, 1993
PAGE 3

TO

JANUARY 22, 1993

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

BANK HOLDING COMPANIES
Kansas City

Fourth Financial Corporation, Wichita, Kansas — to
engage de novo in community development activities
through Bank IV Community Development Corporation.
Permitted, January 21, 1993.

S t . Louis

Grenada Sunburst System Corporation, Grenada,
Mississippi ' proposal that Sunburst Bank,
—
Grenada, Mississippi, purchase certain assets and
assume certain liabilities of Eastover Bank for
Savings, Jackson, Mississippi.
Approved, January 22, 1993.

St. Louis

Mercantile Bancorporation Inc., St. Louis, Missouri - to acquire the First National Bank of Flora,
Flora, Illinois.
Approved, January 22, 1993.

Kansas City

United Missouri Bancshares, Inc., Kansas City,
Kansas, and United Subsidiary, Inc. — to acquire
CNB Financial Corporation, and engage in automated
teller machine-related data processing activities.
Approved, January 20, 1993.

Chicago

Withee Bank Shares, Inc., Withee, Wisconsin — to
engage de novo in a low-income housing project.
Permitted, January 21, 1993.

BANK PREMISES




j

Richmond

Bank of Monroe, Union, West Virginia —
bank premises.
Approved, January 22, 1993.

S t . Louis

Bank of Ste. Genevieve, Ste Genevieve, Missouri —
investment in bank premises.
Approved, January 21, 1993.
/
Central Virginia Bank, Powhattan, Virginia —
investment in bank premises.
Approved, January 20, 1993.

Richmond

investment in

H .2
JANUARY 17, 1993
PAGE 4

TO

JANUARY 22, 1993

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

CAPITAL STOCK
Atlanta

Magnolia State Corporation, Bay Springs,
Mississippi — redemption of shares.
Approved, January 21, 1993.

Kansas City

Midwest Banco Corporation, Cozad, Nebraska —
redemption of shares.
Approved, January 22, 1993.

CHANGE IN BANK CONTROL
Kansas City

Midwest Banco Corporation, Cozad, Nebraska —
in bank control.
Permitted, January 22, 1993.

change

Dallas

Rusk County Bancshares, Inc., Henderson, Texas —
change in bank control.
Returned, January 22, 1993.

COMPETITIVE FACTORS REPORTS




Cleveland

Banc One, Texas, National Association, Dallas, Texas,
proposed merger with United National Bank, Denton,
Texas — report on competitive factors.
Submitted, January 22, 1993.

Minneapolis

Citibank (South Dakota), N.A., Sioux Falls, South
Dakota, proposed merger with Citibank (Maryland),
N.A., Towson, Maryland — report on competitive
factors.
Submitted, January 22, 1993.

Philadelphia

Farmers First Bank, Lititz, Pennsylvania, proposed
merger with Farmers First Savings Bank, Columbia,
Pennsylvania — report on competitive factors.
Submitted, January 22, 1993.

Kansas City

Local America Bank of Tulsa, A Federal Savings Bank,
Tulsa, Oklahoma, proposed merger with Fidelity
Federal Savings and Loan Association — ; report on
competitive factors.
Submitted, January 19, 1993.

H.2
JANUARY 17, 1993
PAGE 5

TO

JANUARY 22, 1993

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

COMPETITIVE FACTORS REPORTS




Kansas City

Security Savings and Loan Association, Garden City,
Kansas, proposed merger with Security Savings and
Loan Association, Salina, Kansas — report on
competitive factors.
Submitted, January 19, 1993.

Atlanta

Sun Bank / South Florida, NA, Fort Lauderdale,
Florida, proposed merger with Flagler National
Bank, West Palm Beach, Florida — report on
competitive factors.
Submitted, January 21, 1993.

Atlanta

Sun Bank of Volusia County, Daytona Beach, Florida,
proposed purchase of certain assets and assumption
of the liability to pay deposits made in twelve
branches of Sun Bank / Gulf Coast, Sarasota,
Florida — report on competitive factors.
Submitted, January 20, 1993.

Dallas

United National Bank, Denton, Texas, proposed merger
with Bank One, Texas, N.A., Dallas, Texas — report
on competitive factors.
Submitted, January 22, 1993.

San Francisco

Valley Bank and Trust Company, N.A., Salt Lake City,
Utah, proposed merger with Valley Central Bank,
Richfield, Utah — report on competitive factors.
Submitted, January 22, 1993.

Richmond

Virginia Beach Federal Savings Bank, Virginia Beach,
Virginia, proposed purchase of certain assets and
assumption of the liabilities of an office of
Seaboard Savings Bank, FSB -- report on competitive
factors.
Submitted, January 19, 1993.

H.2
JANUARY 17, 1993
PAGE 6

TO

JANUARY 22, 1993

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

EXTENSIONS OF TIME




Atlanta

Barnett Bank of Highlands County, Sebring, Florida;
Barnett Bank of Naples, Naples; Barnett Bank of
Pasco County, Holiday; Barnett Bank of Pinellas
County, St. Petersburg; Barnett Bank of Polk
County, Lakeland; Barnett Bank of Southwest
Florida, Sarasota; Barnett Bank of Tallahassee,
Tallahassee; Barnett Bank of Volusia County,
Deland; and Barnett Bank of West Florida,
Pensacola, Florida — extension to April 28, 1993,
to acquire certain assets and assume certain
liabilities of First Florida Bank, N.A., Tampa,
Florida.
Granted, January 21, 1993.

Richmond

Centura Bank, Rocky Mount, North Carolina —
extension to May 18, 1993, to merge with Centura
Interim Bank, Brevard, North Carolina.
Granted, January 19, 1993.

Richmond

Centura Banks, Inc., Rocky Mount, North Carolina —
extension to May 18, 1993, for Centura Bank, Rocky
Mount, North Carolina, to merge with the successor
to Brevard Federal Savings and Loan Association,
Brevard, North Carolina.
Granted, January 19, 1993.

Richmond

Centura Banks, Inc., Rocky Mount, North Carolina —
extension to May 18, 1993, to acquire Brevard
Federal Savings and Loan Association, Brevard,
North Carolina.
Granted, January 19, 1993.

Richmond

Centura Banks, Inc., Rocky Mount, North Carolina —
extension to May 18, 1993, to acquire Centura
Interim Bank, Brevard, North Carolina.
Granted, January 19, 1993.

Atlanta

Colonial Bancgroup, Inc., Montgomery, Alabama —
extension to May 7, 1993, to acquire Home Federal
Savings Bank of Alabama, Lafayette, Alabama, and
merge Home Federal with Colonial Bank, Montgomery,
Alabama.
Granted, January 21, 1993.

H.2
JANUARY 17, 1993
PAGE 7

TO

JANUARY 22, 1993

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

EXTENSIONS OF TIME
Atlanta

Colonial Bancgroup, Inc., Montgomery, Alabama —
extension to May 3, 1993, to acquire Auburn Federal
Savings Bank, Auburn, and merge Auburn with
Colonial Bank, Montgomery, Alabama.
Granted, January 21, 1993.

San Francisco

First Interstate Bancorp, Los Angeles, California —
extensions to divest certain properties.
Granted, January 20, 1993.

Chicago

Great Lakes Financial Resources, Inc. Employee Stock
Ownership Plan, Homewood, Illinois — extension to
May 12, 1993, to acquire Great Lakes Financial
Resources, Inc., Homewood, Illinois.
Granted, January 19, 1993.

Chicago

Naperville Joliet Investment Co., Northbrook,
Illinois — extension to January 29, 1993, to
acquire Westbank / Will County, Joliet, Illinois,
and Westbank / Naperville, Naperville, Illinois.
Granted, January 18, 1993.

Chicago

Farmers Bank & Trust, Webster City, Iowa —
a member of the Federal Reserve System.
Approved, January 19, 1993.

Kansas City

Shoshone First Bank, Cody, Wyoming — to become a
member of the Federal Reserve System.
Approved, January 20, 1993.

MEMBERSHIP
to become

RESERVE BANK SERVICES




Director, FRBO

Federal Reserve Bank of Cleveland — to implement a
basic and enhanced electronic check presentment
service with certain fees; a peak MICR capture
service at a higher fee, and a reduction in fee for
automated return request service.
Approved, January 21, 1993.

H .2
JANUARY 17, 1993
PAGE 8

TO

JANUARY 22, 1993

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

SECURITIES REGULATION




Director, BS&R

Over-the-counter stocks — revised list of OTC stocks
subject to margin requirements, and a list of
foreign margin stocks, effective February 8, 1993.
Published, January 22, 1993.

H .2

ADDITIONS AND CORRECTIONS

JANUARY 17, 1993
PAGE 9

TO

JANUARY 22, 1993

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

REGULATIONS AND POLICIES
Regulation C — lenders covered by Regulation C, Home
Mortgage Disclosure, to continue to use MSA
designations that were used in 1992, through 1993
(Docket R-0794).
Approved, December 23, 1992.

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

BANK BRANCHES, DOMESTIC
Kansas City

Friendly Bank, Oklahoma City, Oklahoma — to
establish a branch at 11920 South Western Avenue.
Approved, January 10, 1993.

BANK HOLDING COMPANIES
Cleveland

Huntington Bancshares Incorporated, Columbus, Ohio —
proposal that Charter Oak Federal Savings Bank,
Cincinnati, Ohio, be merged with The Huntington
National Bank, Columbus, Ohio.
Approved, January 15, 1993.

CAPITAL STOCK
Chicago

Boyden Bancorp, Boyden, Iowa —
Returned, January 15, 1993.

redemption of shares.

COMPETITIVE FACTORS REPORTS




San Francisco

California Federal Bank, A Federal Savings Bank, Los
Angeles, California, proposed acquisition of assets
and assumption of liabilities of the El Toro,
California, branch of Coast Federal Bank, Federal
Savings Bank, Los Angeles, California — report on
competitive factors.
Submitted, January 12, 1993.

Atlanta

Farmers and Merchants Bank, Centre, Alabama, proposed
merger with F&M Interim Bank, Birmingham, Alabama - report on competitive factors.
Submitted, January 14, 1993.

H.2

ADDITIONS AND CORRECTIONS

JANUARY 17, 1993
PAGE 10

TO

JANUARY 22, 1993

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

MEMBERSHIP
Atlanta

Barnett Bank of Hillsborough County, Tampa, Florida ~ to become a member of the Federal Reserve System.
Approved, January 13, 1993.

RESERVE BANK OPERATIONS




Director, FRBO

Federal Reserve Bank of Minneapolis — to purchase
equipment for check processing operations at head
office.
Approved, January 15, 1993.

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS
SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY
Application

Comment Period Ending Date

Fleet Bank-NH, Nashua,
New Hampshire - section 9
application to establish a new
branch in Manchester, New Hampshire*

Newspaper

02-15-93

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

Comment Period Ending Date

Bank of Boston Corp.,
Newspaper 02-18-93
Boston, Massachusetts section 3(a)(3)/3(a)(5)
Federal Register Not Yet Established
application to acquire Society
for Savings Bancorp, Inc., Hartford,
Connecticut*
SECTION III - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY
Application

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

Application
NONE
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
♦Rating Definitions:
"0" - Outstanding; "S" - Satisfactory;
- Needs to Improve; "SN" - Substantial Noncompliance.
Institution

Examination Date
NONE

♦Subject to CRA




Rating*

"N"

Federal Reserve Bank of New York
Comment Period
Ending Date

SECTION I
Applications Subject to Newspaper
___________ Notice Only___________
None.
SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
None.
SECTION III
Nonbanking Applications
(Subject to Federal Register Notice Only)
Societe Generale, Paris, France, to engage de
through its wholly-owned indirect subsidiary,
Chicago, Illinois, in providing brokerage and
services with respect to Nikkei Stock Average
and options on such futures contracts.

novo worldwide
FIMAT Futures USA,
investment advisory
futures contracts

Societe Generale, Paris, France, to engage de novo worldwide
through its wholly-owned indirect subsidiary, FIMAT Futures USA,
Chicago, Illinois, in providing brokerage services and investment
advice regarding exchange traded derivative securities; U.S.
and non-U.S. government obligations and options thereon; and
acting as agent and providing investment advice in transactions
involving over-the-counter options products that are securities.

N/A

N/A

Bankers Trust New York Corporation, New York, New York, to engage
de novo indirectly through a limited purpose state chartered
trust company subsidiary, Bankers Trust Company Connecticut Ltd.,
Greenwich, Connecticut, in trust company functions.
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 January 23. 1993
NAME OF BANK

RATING

EXAMINATION DATE

None

1/
2J
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
Mainline Bancorp, Inc., Portage, PA to form a 1 /
bank holding company by acquiring 100% of
Portage National Bank, Portage, PA,
pursuant to § 3(a)(1) of the BHC Act.
Newspaper comment period expires:
Fed. Reg. comment period expires:

2/8/93
2/19/93

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
Comment Period Ending Date
MBNA Corporation, Newark, DE proposes to establish
a subsidiary, MBNA Consumer Services, Inc., Newark,
DE in order to engage de novo in the activities of:
(i) making consumer loans secured by second mortgages
and (ii) the sale of credit insurance (life,
disability and involuntary unemployment), pursuant
to § 4(c)(8) of the BHC Act and §§ 225.25(b)(1)(iii)
Sc 225.25 (b) (8) (i) of Regulation Y.

2/11/93

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 January 22, 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.
Heeds 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

CRA Rating

Farmers Trust Bank
817 Cumberland Street
Lebanon, PA 17042

7/20/92

Satisfactory

Constitution Bank
1608 Walnut Street
PHiladelphia, PA 19103

8/17/92

Satisfactory




Federal Reserve Bank of Cleveland
Applications Bulletin
For Week Ending January 23, 1993
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
, ■n, r '
t

v.

Received OAKAR application from Mid Am,
Inc., Bowling Green, Ohio, on January 4,
1993, to acquire Colonial Federal Savings
Bank, Beliefonatine, Ohio.

* Not Yet Known #

Received OAKAR application from Mid Am,
Inc., Bowling Green, Ohio, on January 8,
1993, to acquire branch offices of Home
Savings of America, F.S.B., Irwindale,
California, located in Marion and Upper
Sandusky, Ohio.

* Not Yet Known #

Received application from Integra Bank/South,
February 28, 1993
Uniontown, Pennsylvania, on January 5, 1993,
for permission to become a member of the Federal
Reserve System.
Received application from Integra Bank/North,
February 28, 1993
Titusville, Pennsylvania, on January 5, 1993,
for permission to become a member of the Federal
Reserve System.
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
NONE
SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
NONE
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
NONE *

*
N
F
#

-

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




A V A I L A B I L I T Y OF CRA P U B L IC E V A L U A T IO N S
(J a n u a ry 2 2 , 1 9 9 3 )

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 January 22,
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

None.

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

Comment Period Ending Date

None.

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

None.

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




Comment Period Ending Date

Federal Reserve Bank of Richmond
Availability of CRA Public Evaluations
Week ending January 22, 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

Rating

F & M Bank-Winchester
115 N. Cameron Street
Winchester, Virginia 22601

9-10-92

Satisfactory

Bank of Essex
323 Prince Street
Tappahannock, Virginia

22560

10-5-92

Satisfactory

F & M Bank-Massanutten
P. 0. Box 1127
Harrisonburg, Virginia

22801

10-26-92

Satisfactory

Bank of Isle of Wight
1803 S. Church Street
Smithfield, Virginia 23430

11-9-92

Satisfactory

F 6c M Bank
9401 West Broad Street
Richmond, Virginia 23294-5331

11-2-92

Satisfactory




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending January 22. 1993

Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

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

Application

Comment Period Ending Date

SunTrust Banks, Inc.
Atlanta, Georgia
Along with its bank holding company
subsidiary, Sun Banks, Inc., Orlando,
Florida, to acquire The Flagler Bank
Corporation, West Palm Beach, Florida,
and thereby indirectly acquire its bank
subsidiary, Flagler National Bank, West
Palm Beach, Florida.

12-28-92*
Federal Register

Section 3 - Applications Subject
Register Only

Application

to Federal

Comment Period Ending Date

Deposit Guaranty Corp.
Jackson, Mississippi
To engage de novo in data processing
activities, pursuant to Section
225.25(b)(7) of Regulation Y.

Not yet available

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

Application
Farmers and Merchants Bank
Centre, Alabama
Request for increase in bank premises.
♦Subject to Provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending January 22. 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
None.




Rating

Date

Federal Reserve Bank of Chicago
Section J - 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

- **

Oakar

State Financial Services Corporation
Hales Corners, Wisconsin
Waukesha, Wisconsin branch of North
Shore Bank, FSB
Brookfield, Wisconsin*

N

- **

EFT

First of America Bank - Ann Arbor
Ann Arbor, Michigan
Eastern Eatery
7 Ann Street
Ypsilanti, Michigan*

N

- **

EFT

First of America Bank - Ann Arbor
Ann Arbor, Michigan
Eastern Michigan University
850 West Cross Street
Ypsilanti, Michigan*

N

- **

Merger

The Shelby County State Bank
Shelbyville, Illinois
Bank of Findlay
Findlay, Illinois*

N

- 1-31-93

Branch

Old Kent Bank and Trust Company
Grand Rapids, Michigan
6210 Kalamazoo Avenue
Kentwood, Michigan*

N

-

Oakar

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

N




2-5-93

2-15-93

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

and Federal
Comment Period
Ending Date

Type

A pplication

Y-2

Comerica Incorporated
Detroit, Michigan
Comerica Texas Incorporated
Detroit, Michigan
Nasher Financial Corporation
Dallas, Texas
NorthPark National Corporation
Dallas, Texas
NorthPark National Bank of Dallas
Dallas, Texas*

FR - 12-28-92
N - 1-31-93

Y-l

Comerica Texas Incorporated
Detroit, Michigan
Nasher Financial Corporation
Dallas, Texas
NorthPark National Corporation
Dallas, Texas
NorthPark National Bank of Dallas
Dallas, Texas*

FR - 12-28-92
N - 1-31-93

Y-l

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

FR N -

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 - 1-22-93
N - **

Y-2

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

FR - 1-26-93
N - 1-18-93

Y-l

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

FR - **
N - 1-28-93




1-21-93
**

Federal Reserve Bank of Chicago

Zwe

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

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 - **
N - **

Y-2

Midstates Bancshares, Inc.
Missouri Valley, Iowa
Peoples National Bank
Avoca, Iowa*

FR
N

2-5-93
1-3-93

CoC-HC

Avoca Financial Services, Inc.
Council Bluffs, Iowa
Terry M. Carley

FR
N

1-11-93
1-11-93

Y-l

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

FR
N

**
**

Y-2

Shelby County Bancorp, Inc.
Shelbyville, Illinois
Bank of Findlay
Findlay, Illinois*

FR
N

1-15-93
1-31-93

Y-2

Gibson Investment Company
Gibson, Iowa
Mingo, Ltd.
Brooklyn, Iowa
Poweshiek County Savings Bank
Brooklyn, Iowa*

FR
N

11-20-92
1-21-93

CoC-HC

Wingo, Ltd.
Brooklyn, Iowa
Roll in R. Harder

FR - 11-17-92
N 1-4-93

Y-2

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

FR N -




2-5-93
1-30-93

Federal Reserve Bank of Chicago

Type

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

y-1

Van Buren Bancorporation Employee
Stock Ownership Plan
Keosauqua, Iowa
Van Buren Bancorporation
Keosauqua, Iowa
State Savings Bank
Cantril, Iowa
Farmers State Bank
Keosauqua, Iowa*

FR - 2-5-93
N - 2-1-93

¥-1

Guaranty Financial, M.H.C.
Milwaukee, Wisconsin
Guaranty Bank, S.S.B.
Milwaukee, Wisconsin*

FR - 12-14-92
N 2-5-93

Y-2

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

FR - **
N - 2-10-93

Y-2

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

FR - **
N - **

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 - **
N - 1-2-93

Y-1

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 - **
N - 1-2-93




Federal Reserve Bank of Chicago

Type

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

CoC-HC

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

FR - **

CoC-HC

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

FR - **

CoC-HC

Overton Bank Shares, Inc.
Mondamin, Iowa
James F. & Donald F. Schwertley and
James R . King

FR - 1-11-93
N - **

CoC-HC

Iowa State Bank Holding Company
Des Moines, Iowa
Marvin R. Selden, Jr.; Melvin H.
Nielsen; Dennis Gallagher; Robert
McLaughlin and Doris Olson

FR - 1-11-93
N - **




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

Type

Application

Y-4

Valley Bancorporation
Appleton, Wisconsin
Valley Securities, Inc.
Appleton, Wisconsin

FR

Y-4

Garvin Bancorporation
Garwin, Iowa
Garwin Insurance Agency
Garwin, Iowa

FR N -

Y-4

Bank of Montreal
Montreal, Canada
Harris Futures Corporation
Chicago, Illinois

FR - 2-10-93

Y-4

Bankmont Financial Corp.
New York, New York
Harris Futures Corporation
Chicago, Illinois

FR - 2-10-93

Y-4

Harris Bankcorp, Inc.
Chicago, Illinois
Harris Futures Corporation
Chicago, Illinois

FR - 2-10-93

Y-4

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

FR - **

Y-4

Caisse Nationale de Credit Agricole
Paris, France
UI USA, Inc.
New York, New York

FR - **

4(c)(8)

Comerica Incorporated
Detroit, Michigan
ComeriComp, Incorporated
Detroit, Michigan

FR - **




1-15-93

1-21-93
1-10-93

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

Type

Application

4(c)(8)

Withee Bank Shares, Inc.
Withee, Wisconsin
Engage in development and ownership
of a low income housing project

FR - 1-19-93

4(c)(8)

Beaman Bancshares, Inc.
Beaman, Iowa
Beaman Insurance Agency, Inc.
Beaman, Iowa

FR -

Y-4

Old Kent Financial Corporation
Grand Rapids, Michigan
Gladeshire L.D.H.A. Limited Partnership
Kalamazoo, Michigan

FR - 1-22-93

Y-4

Van Buren Bancorporation
Keosauqua, Iowa
Making and servicing loans

FR - 2-5-93

4(c)(8)

Amcore Financial, Inc.
Rockford, Illinois
Amcore Investment Banking, Inc.
Rockford, Illinois - investment and
financial advisory services

FR - **

4(c)(8)

Community Banc-Corp of Sheboygan, Inc.
Sheboygan, Wisconsin
G & H Insurance Agency
Sheboygan, Wisconsin - selling insurance
and other financial services

FR - 2-5-93

Y-4

Caisse Nationale de Credit Agricole
FR Paris, France
Credit Agricole Securities, Inc.
New York, New York — Securities brokerage
services

Y-4

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




2-1-93

**

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

Type

Application

4(c)(8)

Lincolnshire Bancshares, Inc.
Lincolnshire, Illinois
To purchase participations from their
banking subsidiary

FR - 12-18-92

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 - **

4(c)(8)

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

FR - **

4(c) (8)

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

FR - **

4(c) (8)

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

FR — **




Federal Reserve Bank of Chicago
Section IV

-

Applications Not Subject to Federal Register or Newspaper
Notice

TIP?

Application

RoS

Wingo, Ltd.
Brooklyn, Iowa
To redeem 10,469 shares of 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 January 22,
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

EXAMINATION DATE ,

RATINGS

-First State Bank
300 East Main Street
Manchester, Iowa
52057
(319) 927-3814

10/10/92

S

-Camp Grove State Bank
One Main Street
Camp Grove, Illinois
(309) 493-5311

10/13/92

S

10/13/92

S

-Old Kent Bank of Hillsdale
Ten South Broad Street
Hillsdale, Michigan
49242
(517) 437-4426

10/19/92

S

-First Bank South
102 Galena Avenue, Box 349
Dixon, Illinois
61021
(815) 284-3333

10/19/92

S

-Peoples State Bank of Mansfield
P.0. Box 579
Mansfield, Illinois
61854
(217) 489-2271

09/28/92

S

61424

-Isabella Bank & Trust
200 East Broadway
Mount Pleasant, Michigan
(517) 772-9471




48858

Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING JANUARY 22, 1993

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application

End of Comment Period

^Section 5(d)(3) application by First Banks,
Inc., Creve Coeur, Missouri for its
subsidiary, First Bank, Creve Coeur,
Missouri, to purchase certain assets
and assume certain liabilities of the
Ballwin, Creve Coeur, Washington and Hermann,
Missouri branches of First Bank A Savings
Bank, Clayton, Missouri
Section 4(c)(8) notification by Banterra
Corp, Eldorado, Illinois to acquire
Blankenship Insurance Agency, Eldorado,
Illinois

2-20-93

1-31-93

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
Application
^Section 3(a)(5) application by Old
National Bancorp, Evansville, Indiana
to merge with DCB Corporation, Jasper,
Indiana

End of Comment Period

Newspaper:

1-28-93

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 is subject to CRA.




FEDERAL RESERVE BANK OF ST. LOUIS
St. Louis, Missouri

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

FOR THE WEEK ENDING

Name of Bank

State Bank of Breese




January 22, 1993

Bank Address

P. 0. Box 70
Breese, Illinois

Examination
Date
10-13-92
62230

Examination
Bating
Satisfactory

FEDERAL RESERVE BANK OF M IN N E A P O L IS

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
Comment Period
Ending Date

Application
Alpha-Omega Holding Company
Victor, MT
(Newspaper)
To acquire 84.20% of Farmers
State Bank of Victor, Victor,
MT*

1-29-93

Section III - Applications Subject
to Federal Register Notice Only

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

* Subject to CRA




Comment Period
Ending Date
Not yet available

FED ER A L RESERVE BANK OF M IN N E A P O L IS

Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
First National Bank of Cut Bank
Cut Bank, MT
To become a member of the Federal
Reserve System
Farmers State Bank of Conrad
Conrad, MT
To become a member of the Federal
Reserve System
Community Trust Company
Sioux Falls, SD
To become a member of the Federal
Reserve System




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending January 22, 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
First State Bank
of Emmons
P. 0. Box 28
Emmons, MN 56029-0028
(507) 297-5461




DATE OF EXAMINATION
October 26, 1992

CRA RATING
Satisfactory

Federal Reserve Bank of Kansas City
SECTION I ~ APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

None.

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

COMMENT PERIOD ENDING DATE

Orchard Valley Financial Corporation,
Hotchkiss, Colorado, for prior
approval to acquire 5 percent of
Megabank Financial Corporation,
Englewood, Colorado.*

Not Available

Clear Creek Bank Corp., Idaho
Springs, Colorado, for prior approval
to acquire 100 percent of the voting
shares of First State Bank, Idaho
Springs, Colorado*

Not Available

Farmers State Bank of Hardtner, ESOP,
Hardtner, Kansas, for prior approval
to become a bank holding company
through the acquisition of 50 percent
of the voting shares of B K Agency,
Inc., Hardtner, Kansas.*

Not Available

SECTION I I I - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

None.

SECTION IV - APPLICATIO NS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
APPLICATION
None




Federal Reserve Bank of Kansas City

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:
Outstanding record of 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

Exam Date

CRA Public
Date

Bank at Broadmoor
Four Elm Avenue
Colorado Springs, CO

10-19-92

01-14-93

Satisfactory

State Bank of Lancaster
P.O. Box 8
Lancaster, Kansas 66041-0008 10-26-92

01-21-93

Satisfactory

80906

♦Application is subject to CRA.




CRA
Rating

FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF JANUARY 18, 1993

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
APPLICATION

NOTICE EXP

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

APPLICATION
♦Section 3(a)(1) application by
BBS Corp., Socorro, NM, to acquire
First State Bank, Socorro, NM
Change in Control Notice by
Fred Ronnie Myrick, Monroe, LA, and Joe Kenneth Newton,
Ruston, LA, to acquire an interest in First Capital
Bancorp, Inc., Delhi, LA
(Previously reported during the week of 12-7-92)
Change
Dudley
in The
(state

in Control Notice by
K. Montgomery, Pecos, TX, to acquire an interest
Security State Bank of Pecos, Pecos, TX
member bank)

93/02/17

93/01/09

N/A

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
APPLICATION

NOTICE EXP

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

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




SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
FOR THE WEEK OF JANUARY 18, 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 thecredit 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 thecredit 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 1/22/93

Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

None

Section II - Applications Sub.iect to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

None

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 1/22/93
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during
the week ending January 22, 1993. Information about a particular
institution's CRA evaluation may be obtained directly from the institution.
Institution

Location

Examination Date

Rating*

None*

* 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 noncompliance in meeting community credit needs: An institution
has a substantially deficient record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- to moderateincome neighborhoods, in a manner consistent with its resources and
capabi1ities.




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