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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.
@FedFRASER