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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H. 2 f 1992, No. 2
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending January 9, 1993

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

ADVISORY COUNCILS
Consumer Advisory Council — appointment of ten new
members and designation of Denny D. Dumler as
Chairman and Jean Pogge as Vice Chairman for 1993.
Approved, January 6, 1993.
BANK HOLDING COMPANIES
Meridian Bancorp, Inc., Reading, Pennsylvania —
proposal that Meridian Bank, New Jersey, Cherry
Hill, New Jersey, acquire Cherry Hill National
Bank, Medford, New Jersey.
Approved, January 4, 1993.
BANK MERGERS
1st Source Bank, South Bend, Indiana — to purchase
Portage and Michigan City, Indiana, branches of 1st
Source Bank of Starke County, Hamlet, Indiana, and
to establish a branch at each of the locations of
these branches.
Approved, January 4, 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




Richmond

Bank of Hampton Roads, Chesapeake, Virginia -- to
establish a branch at 1100 Dam Neck Road, Virginia
Beach, Virginia.
Approved, January 8, 1993.

New York

Bank of New York, New York, New York — to establish
a branch at Coin Devices Corporation, 215 North
Ninth Street, Brooklyn, New York.
Approved, January 7, 1993.

H.2
JANUARY 4, 1993
PAGE 2

TO

JANUARY 8, 1993

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

BANK HOLDING COMPANIES




Chicago

Citizens Bankshares, Inc., Shawano, Wisconsin — to
engage de novo in credit related insurance through
Wisconsin Finance Corporation.
Permitted, January 6, 1993.

Chicago

Citizens .Financial Corporation Employee Stock
Ownership Plan and Trust, Fort Atkinson,
Wisconsin — to retain shares of Citizens Financial
Corporation, and acquire the Citizens State Bank.
Approved, January 8, 1993.

Kansas City

CNB Financial Corporation, Kansas City, Kansas — to
acquire the Security State Bank of Fort Scott, Fort
Scott, Kansas.
Approved, January 7, 1993.

Kansas City

F.S.B. Properties, Inc., ESOP, Quinton, Oklahoma —
to acquire F.S.B. Properties, Inc.
Approved, January 8, 1993.

St. Louis

First Banks, Inc., Creve Coeur, Missouri — proposal
for First Bank, A Savings Bank, Clayton, Missouri,
to acquire certain assets and assume certain
liabilities of the Florissant, Missouri, branch of
First Bank, Creve Coeur, Missouri.
Returned, January 8, 1993.

Dallas

First Community Bancshares, Inc., Killeen, Texas —
to acquire First National Bank.
Approved, January 4, 1993.

San Francisco

First Community Financial Group, Inc., Lacey,
Washington — to acquire the Citizens First Bank,
Elma, Washington.
Approved, January 4, 1993.

Minneapolis

First Rushmore Bancorporation, Inc., Worthington,
Minnesota — to acquire First Rushmore Bancshares,
Inc.,
Approved, January 8, 1993.

Chicago

Guaranty Financial, M.H.C., Milwaukee, Wisconsin —
to acquire the Guaranty Bank, S.S.B.
Returned, January 4, 1993.

H.2
JANUARY 4, 1993
PAGE 3

TO

JANUARY 8, 1993

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

BANK HOLDING COMPANIES




Cleveland

Huntington Bancshares Incorporated, Columbus, Ohio —
to acquire CB&T Financial Corp., Fairmont, West
Virginia, and CB&T Capital Investment Company.
Approved, January 8, 1993.

Chicago

Lincolnshire Bancshares, Inc., Lincolnshire, Illinois
— to purchase loan participations from its banking
subsidiary.
Returned, January 7, 1993.

Minneapolis

Lucan Bancshares, Inc., Lucan, Minnesota —
acquire State Bank of Lucan.
Approved, January 8, 1993.

Dallas

Martex Bancshares, Inc., Gladewater, Texas — to
acquire Mineola Bancshares, Inc., Mineola, Texas.
Approved, January 6, 1993.

Cleveland

National City Corporation, Cleveland, Ohio, and
National Processing Company, Inc., Louisville,
Kentucky — to acquire JBS Associates, Inc.
Approved, January 6, 1993.

Minneapolis

Norwest Corporation, Minneapolis, Minnesota — to
engage in general insurance activities through
Norwest Insurance Wyoming, Inc., Wheatland,
Wyoming.
Approved, January 7, 1993.

Kansas City

Pine River Bank Corp., Bayfield, Colorado —
acquire Pine River Valley Bank.
Approved, January 6, 1993.

Chicago

Royal Bancshares, Inc., Elroy, Wisconsin — to
purchase certain assets and assume certain
liabilities of the Hillsboro, Wisconsin, branch of
AnchorRank, S.S.B., Madison, Wisconsin.
Approved, January 5, 1993.

New York

Skandinaviska Enskilda Banken, Stockholm, Sweden —
to engage in certain nonbanking activities through
Actium Leasing Corporation, New York, New York, and
Kadesh Leasing Corporation.
Returned, January 4, 1993.

to

to

H.2
JANUARY 4, 1993
PAGE 4

TO

JANUARY 8, 1993

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

BANK HOLDING COMPANIES
Minneapolis

Tower Bancshares, Inc., Cloquet, Minnesota —
acquire Tower-Soudan Agency, Inc., Tower,
Minnesota, and State Bank of Tower.
Approved, January 8, 1993.

Kansas City

United Missouri Bancshares, Inc., Kansas City,
Missouri, and United Subsidiary — to acquire
Overland Park Bancshares, Inc., Overland Park,
Kansas, and for United Missouri to acquire 9.81
percent of CNB Financial Corporation, Kansas City,
Kansas, and to engage in ATM-related data
processing activities.
Approved, January 6, 1993.

Kansas City

United Missouri Bancshares, Inc., Kansas City,
Missouri, and United Subsidiary, Inc. — to acquire
Farmers Banshares of Abilene, Inc., Abilene,
Kansas.
Approved, January 6, 1993.

Kansas City

Upper Rio Grande Bank Corporation, Del Norte,
Colorado — to acquire the Rio Grande County Bank.
Approved, January 8, 1993.

Kansas City

Wally Bancorp, Inc., Parker, Colorado —
Community Bank of Parker.
Approved, January 8, 1993.

to

to acquire

BANK MERGERS




Kansas City

BancFirst, Oklahoma City, Oklahoma — to merge with
with United Bank and Trust Company of Norman,
Norman, Oklahoma, and to establish branches.
Approved, January 5, 1993.

Cleveland

Fifth Third Bank, Cincinnati, Ohio — to merge with
six Cincinnati branches of The First National Bank,
Dayton, Ohio, and to establish four branches.
Approved, January 6, 1993.

H.2
JANUARY 4, 1993
PAGE 5

TO

JANUARY 8, 1993

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

BANK PREMISES
Atlanta

Barnett of the St. Johns, St. Augustine, Florida;
Barnett Bank of Southwest Georgia, Columbus,
Georgia; Barnett Bank of the* Treasure Coast, Port
St. Lucie, Florida; Barnett Bank of Lake
Okeechobee, Okeechobee, Florida, and Barnett Bank
of Pasco County, New Port Richey, Florida -investment in bank premises.
Approved, January 8, 1993.

S t . Louis

City Bank and Trust Company of Moberly, Moberly,
Missouri — investment in bank premises.
Approved, January 5, 1993.

BANKS, STATE MEMBER
Minneapolis

First Citizens Bank of Poison, Poison, Montana -payment of a dividend.
Approved, January 5, 1993.

Director, BS&R

Manufacturers Hanover Trust Company, New York, New
York — transfer agent registration.
Withdrawn, January 8, 1993.

CAPITAL STOCK
Kansas City

First Gothenburg Bancshares, Inc., Gothenburg,
Nebraska — redemption of shares.
Approved, January 6, 1993.

Minneapolis

Superior Financial Corporation, Sault Ste. Marie,
Michigan — redemption of shares.
Approved, January 5, 1993.

CHANGE IN BANK CONTROL




Dallas

American National Bancshares, Inc., Ruston, Louisiana
— change in bank control.
Permitted, January 8, 1993.

Atlanta

First City Bancorp, Inc., Murfreesboro, Tennessee —
change in bank control.
Permitted, January 5, 1993.

Kansas City

First Gothenburg Bancshares, Inc., Gothenburg,
Nebraska — change in bank control.
Permitted, January 8, 1993.

H .2
JANUARY 4, 1993
PAGE 6

TO

JANUARY 8, 1993

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

CHANGE IN BANK CONTROL
Dallas

Sudan Bancshares, Inc., Sudan, Texas —
bank control.
Permitted, January 5, 1993.

change in

COMPETITIVE FACTORS REPORTS




Atlanta

AmSouth Bank, National Association, Birmingham,
Alabama, proposed purchase of certain assets and
assumption of certain liabilities of five branches
of Secor Bank, FSB — report on competitive
factors.
Submitted, January 4, 1993.

Chicago

Associated Bank Menomonee Falls, Wisconsin, proposed
merger with Associated Bank Fond du Lac, Fond du
Lac, Wisconsin — report on competitive factors.
Submitted, January 5, 1993.

Kansas City

Bank of Evergreen, Evergreen, Colorado, proposed
merger with Mountain Valley National Bank, Conifer,
Colorado — report on competitive factors.
Submitted, January 6, 1993.

Chicago

Bank of La Grange Park, La Grange Park, Illinois,
proposed merger with First National Bank of Cicero,
Cicero; First National Bank in Harvey, Harvey; and
The Berwyn National Bank, Berwyn, Illinois —
report on competitive factors.
Submitted, January 8, 1993.

Boston

Century Bank and Trust Company, Somerville,
Massachusetts, proposed purchase of certain assets
and assumption of certain liabilities of Wollaston
Credit Union, Wallaston, Massachusetts — report on
competitive factors.
Submitted, January 7, 1993.

San Francisco

Eurekabank, A Federal Savings Bank, Foster City,
California, proposed purchase of certain assets and
assumption of certain liabilities of five branches
of Southern California Federal Savings and Loan
Association, Beverly Hills, California — report on
competitive factors.
Submitted, January 7, 1993.

H.2
JANUARY 4, 1993
PAGE 7

TO

JANUARY 8, 1993

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

COMPETITIVE FACTORS REPORTS




Kansas City

Farmers Bank of Cook, Cook, Nebraska, proposed merger
with Citizens State Bank, Virginia, Nebraska —
report on competitive factors.
Submitted, January 6, 1993.

New York

First Federal Savings and Loan Association of
Rochester, Rochester, New York, proposed
acquisition of certain assets and assumption of
certain liabilities of four branches of The Dime
Savings Bank of New York, FSB, New York, New York - report on competitive factors.
Submitted, January 5, 1993.

Dallas

First Heights Bank, FSB, Houston, Texas, proposed
merger with Sun Savings Association — report on
competitive factors.
Submitted, January 7, 1993.

Dallas

First Lakewood National Bank, Dallas, Texas, proposed
merger with New Lakewood Bank — report on
compet itive factors.
Submitted, January 4, 1993.

Kansas City

First National Bank and Trust Company in Great Bend,
Great Bend, Kansas, proposed merger with The
Raymond State Bank, Raymond, Kansas — report on
competitive factors.
Submitted, January 6, 1993.

Dallas

First National Bank Mansfield, Mansfield, Texas,
proposed merger with Overton Bank and Trust, N.A.,
Fort Worth, Texas — report on competitive factors.
Submitted, January 7, 1993.

Dallas

First National Bank of Central Texas, Waco, Texas,
proposed merger with New Waco Bank — report on
competitive factors.
Submitted, January 5, 1993.

Kansas City

FirsTier Bank, National Association, Lincoln,
Nebraska, proposed merger with Lincoln State Bank - report on competitive factors.
Submitted, January 6, 1993.

H.
2
JANUARY 4, 1993
PAGE 8

TO

JANUARY 8, 1993

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

COMPETITIVE FACTORS REPORTS




Chicago

Liberty Bank & Trust, Mason City, Iowa, proposed
purchase of the assets and assumption of the
liabilities of State Bank of Dumont, Dumont, Iowa - report on competitive factors.
Submitted, January 8, 1993.

S t . Louis

Lincoln Bank, Dale, Indiana, proposed consolidation
with Dale State Bank; Chrisney State Bank,
Chrisney; and Farmers State Bank, Rockport, Indiana
— report on competitive factors.
Submitted, January 8, 1993.

Chicago

NBD Bank, National Association, Gary, Indiana,
proposed merger with Summit Bank of Clinton County,
Frankfort; Summit Bank of Indianapolis,
Indianapolis; Summit Bank of Marion, Marion; Summit
Bank of Muncie, Muncie; Summit Bank, Fort Wayne;
INB Banking Company, North, Chesterton; INB
National Bank, N.W., Lafayette; INB Banking
Company, Northeast, Fort Wayne; INB Banking
Company, Jefferson, and INB Banking Company,
Southwest, Evansville, Indiana -- report on
competitive factors.
Submitted, January 7, 1993.

Minneapolis

Norwest Bank Minnesota Mesabi, N.A., Virginia,
Minnesota, proposed merger with the Merchants &
Miners State Bank of Hibbing, Hibbing, Minnesota —
report on competitive factors.
Submitted, January 7, 1993.

Chicago

Royal Bank-Elroy, Elroy, Wisconsin, proposed purchase
of the assets and assumption of the liabilities of
the Hillsboro, Wisconsin, office of Anchor Bank,
S.S.B., Madison, Wisconsin — report on competitive
factors.
Submitted, January 5, 1993.

Dallas

United New Mexico Bank at Santa Fe, N.A., Santa Fe,
New Mexico, proposed merger with United New Mexico
Bank, Albuquerque, New Mexico — report on
compet it ive factors.
Submitted, January 5, 1993.

H.2
JANUARY 4, 1993
PAGE 9

TO

JANUARY 8, 1993

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

COMPETITIVE FACTORS REPORTS
Chicago

Valley Bank of Brownsville, Brownsville, Wisconsin,
proposed merger with Valley Bank East, Kiel,
Wisconsin — report on competitive factors.
Submitted, January 5, 1993.

EXTENSIONS OF TIME
Atlanta

First Central Bancshares, Inc., Lenoir City,
Tennessee — extension to April 7, 1993, to acquire
the First Central Bank.
Granted, January 6, 1993.

Atlanta

Tomoka Bancorp, Inc., Ormond Beach, Florida —
extension to April 9, 1993, to acquire the Tomoka
State Bank.
Granted, January 6, 1993.

Kansas City

Citizens State Bank in Galena, Galena, Kansas — to
become a member of the Federal Reserve System.
Approved, January 5, 1993.

MEMBERSHIP

RESERVE BANK OPERATIONS
Director, BS&R

United Financial Banking Companies, Inc., Vienna,
V i r g i n i a — transfer agent registration.
Withdrawn, January 4, 1993.

RESERVE BANK SERVICES




Director, FRBO

Federal Reserve Bank of Dallas — to implement an
electronic fine sort deposit option to the West
Texas Offsite program.
Approved, January 8, 1993.

H.2
JANUARY 4, 1993
PAGE 10

ADDITIONS AND CORRECTIONS
TO

JANUARY 8, 1993

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANKS, NATIONAL
Tandy National Bank, Fort Worth, Texas —
determination concerning establishment of TNB as an
uninsured national credit card bank; and delegation
of authority to the General Counsel to issue no­
objection letters in this and similar cases.
Granted, December 3, 1992.
REGULATIONS AND POLICIES
Regulations K and Y — request for additional comment
on the definition of representative office and the
types of activities such an office may conduct
under the Foreign Bank Supervision Enhancement Act
of 1991 (Docket R-0754).
Proposed, November 4, 1992.
Regulations K and Y — final rule replacing interim
amendments implementing portions of the Foreign
Bank Supervision Act of 1991 (Docket R-0754).
Approved, November 4, 1992.

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

BANK HOLDING COMPANIES




San Francisco

First Hawaiian, Inc., Honolulu, Hawaii — to expand
geographic area for certain nonbank activities
through First Hawaiian Creditcorp, Inc., and First
Hawaiian Leasing, Inc.
Approved, January 2, 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 Not Yet Established

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
Comment Period Ending Date

Application
NONE

SECTION III - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY
Comment Period Ending Date

Application
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




"N"

Rating*

Federal Reserve Bank of New York
Comment Period
Ending Date
SECTION I
Applications Subject to Newspaper
___________ Notice Only___________
Chemical Bank, New York, Newyork, to establish an offsite
electronic facility at Mutual of New York (MONY), 4 Hanhattanville
Road, Purchase New York.l/
2/8/93
Chemical Bank, New York, New York, to establish an offsite
electronic facility at Montefiore Medical Center, (Moses Division),
111 East 210th Street, Bronx, New York.l/
2/8/93
Chemical Bank, New York, New York, to establish an offsite
electronic facility at Montefiore Medical Center, (Jack B. Weiler
Division), 1825 Eastchester Road, Bronx, New York.l/
2/8/93
SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
None.
SECTION III
Nonbanking Applications
(Subject to Federal Register Notice Only)
UJB Financial Corp., Princeton, New Jersey, to engage de novo
nationwide through its wholly-owned subsidiary, Richard Blackman
& Co., Inc., Paramus, New Jersey, in full service securities
brokerage and in investment and financial advisory activities
on a stand alone, fee basis.

N/A

U.S. Trust Corporation, New York, New York, to engage de novo
through its wholly-owned subsidiary, U.S. Trust Company of
Connecticut, Stamford, Connecticut, in activities that may be
carried on by a trust company, including activities of a
fiduciary, investment advisory, agency and custodial nature.

1/20/93




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.
o&LisiacLoi' rccoru ot meeting coaiiuunity credit needs.
j
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 9. 1993
NAME OF BANK

RATING

EXAMINATION DATE

The Bank of New York
48 Wall Street
New York, New York 10286

Satisfactory

July 13, 1992

1/

2/
3/
4/

Subject to provisions of Community Reinvestment Act.
Later of dates specified in newspaper and Federal Register notices.
Date specified in newspaper notice; a later date may be specified in
the Federal Register notice.
Date specified in Federal Register notice; a later date may be
specified in the newspaper notice.
N/A - Not Available




FEDERAL RESERVE BANK OF PHILADELPHIA
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
Comment Period Ending Date
NONE.
SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND
FEDERAL REGISTER NOTICE
Comment Period Ending Date
First Fidelity Bancorporation, Lawrenceville,
New Jersey to acquire 100% of Northeast Bancorp,
Inc., New Haven, CT, pursuant to Section 3(a)(3)
of the BHCA.
Newspaper comment period expires:
Fed. Reg. comment period expires:

2/1/93
N/A *

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

NONE.
1/

*

Subject to provisions of Community Reinvestment Act.
N/A - not yet available.




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 8, 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 mode rate-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 mode rate-income neighborhoods, in a manner consistent with its resources
and capabilities•
Substantial noncompliance in meeting community credit needs*
An institution in this group has a substantially deficient record of ascertaining
and helping to* meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.
Bank/Location




Examination Date
NONE

CRA Rating

Federal Reserve Bank of Cleveland
Applications Bulletin
For Week Ending January 9, 1993

SECTION I - A PPLIC A TIO N S SUBJECT TO NEWSPAPER
NOTICE ONLY
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, Uniontown, Pennsylvania,
on January 5, 1993, for permission to become
a member of the Federal Reserve System.

Not Yet Known #

Received application from Integra
Bank/North, Titusville, Pennsylvania,
on January 5, 1993, for permission to become
a member of the Federal Reserve System.

Not Yet Known #

SECTION I I - A PPLIC A TIO N S SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
NONE

SECTION I I I - A PPLIC A TIO N S SUBJECT TO FEDERAL REG ISTER
NOTICE ONLY
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.




SECTION IV - A PPLIC ATIO N S NOT SUBJECT TO FEDERAL
REGISTER NOTICE OR NEWSPAPER NOTICE
Received request from The Apple Creek Banking Company, Apple Creek,
Ohio, for permission to exceed its limit of investment in bank
premises permitted under Section 24A of the Federal Reserve Act.




A V A IL A B IL IT Y OF CRA P U B L IC E V A L U A T IO N S
(J a n u a r y 8 , 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 8,
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 Subject to Both
Newspaper and Federal Register Notice
Comment Period Ending Date

Application
Notice of Change in Control with respect
to FCFT, Inc., Princeton, West Virginia.

1-17-93**

CCB Financial Corporation, Durham, North
Carolina, to acquire Mutual Savings Bank,
SSB, Lenior, North Carolina.*

1-22-93

NationsBank Corporation, Charlotte,
North Carolina; Charter Bancshares, Inc.,
Houston, Texas; and CBH, Inc., Wilmington,
Delaware, to acquire University National
Bank, Galveston, Texas.*

2-5-93

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

None.

Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Mid-South Bank and Trust Company, Sanford,
North Carolina, for membership in the
Federal Reserve System.

Comment Period Ending Date

Not yet available.

*Application is subject to CRA requirements.
**Expiration of comment period specified in the Federal Register.



Federal Reserve Bank of Richmond
Availability of CRA Public Evaluations
Week ending January 8, 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

None.




Rating

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending January 8. 1993
Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

First Virginia Banks, Inc.
Falls Church, Virginia
Along with its wholly-owned subsidiary,
Tri-City Bank and Trust Company, Blountville,
Tennessee, to acquire the Rhea Parkway
Branch of Home Federal Bank, FSB, Johnson
City, Tennessee, pursuant to Section 5(d)(3)
of the Federal Deposit Insurance Act, as
amended by the Federal Deposit Insurance
Corporation Act of 1991.
The Rhea Parkway
Branch is located in Greeneville, Tennessee.
Evergreen Bancshares, Inc.
Tallahassee, Florida
To acquire the Northside Branch of Anchor
Savings Bank, FSB, Tallahassee, Florida,
pursuant to Section 5(d)(3) of the Federal
Deposit Insurance Act, as amended by the
Federal Deposit Insurance Corporation Act
of 1991.

01-30-93*

Not yet available*

Tri-City Bank and Trust Company
01-30-93*
Blountville, Tennessee
To acquire through merger the Rhea Parkway
Branch of Home Federal Bank, FSB, Johnson City,
Tennessee, pursuant to Section 18(c) of the
Federal Deposit Insurance Act.
The Rhea
Parkway Branch is located in Greeneville, Tennessee.
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

None.

♦Subject to Provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending January 8. 1993
Section 3 - Applications Subject
Register Only

Application

to Federal

Comment Period Ending Date

Barnett Merger Corporation
Jacksonville, Florida
To acquire Barnett Banks Trust Company,
N.A., Jacksonville, Florida, pursuant to
Section 4 ( c ) (8) of the Bank Holding
Company A c t .

01-26-93

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Liberty Shares, Inc.
Hinesville, Georgia
After-the-fact stock redemption to redeem
31,000 shares of its outstanding common stock.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending January 8. 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
First State Bank of
Bibb County,
Post Office Bx 188
West Blocton, Alabama
(205) 938-7881




Rating
Needs to Improve
35184

Date
10-05-92

Federal Reserve Bank of Chicago

Section I - Applications Subject to Newspaper
Notice Only
Comment Period
Ending Date

Type

Application

Branch

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

N

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

- **




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

and Federal
Comment Period
Ending Date

Type

Application

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-2

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

FR - 1-15-93
N - 10-29-92

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-Banorp, 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 - **




1-21-93
**

Federal Reserve Bank of Chicago

Type

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

Y-l

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

FR - **
N - 1-28-93

CoC-HC

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

FR - **
N - **

Y-2

Midstates Bancshares, Inc.
FR - **
Missouri Valley, Iowa
N - 1-3-93
Harlan National Company
Harlan, Iowa
The Harlan National Bank
Harlan, Iowa
First National Company of Missouri Valley, Inc.
Missouri Valley, Iowa
First National Bank of Missouri Valley
Missouri Valley, Iowa*

Y-2

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

FR - **
N - 1-3-93

CoC-HC

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

FR - **
N - 1-11-93

Y-l

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

FR - **
N - **




Federal Reserve Bank of Chicago

Type

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

Y— l

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

FR 1-4-93
N - 12-26-92

Y-2

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

FR - 11-20-92
N - 1-21-93

CoC-HC

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

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

Y-2

Van Diest Investment Company
Ankeny, Iowa
Hamilton County Bancshares, Inc.
Webster City, Iowa
First State Bank
Webster City, Iowa*

FR 1-7-93
N - **

Y-2

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

FR - **
N - 1-30-93

Y-l

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

FR
N

- **
- **

Y-l

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

FR
N

- 12-14-92
- **




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

Tvoe

Application

¥-4

Merchants and Manufacturers Bancorporation,
Inc.
Greendale, Wisconsin
Lincoln Savings Bank, S.A.
Milwaukee, Wisconsin

FR - 12-7-92
N - 12-5-92

Y-4

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

FR

- **

Y-4

Garwin Bancorporation
Garwin, Iowa
Garwin Insurance Agency
Garwin, Iowa

FR
N

- 1-21-93
- 1-10-93

Y-4

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

FR - **

Y-4

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

FR - **

Y-4

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

FR - **

4(c) (8)

First of America Bank Corporation
Kalamazoo, Michigan
First of America Mortgage Company
Kalamazoo, Michigan

FR - 1-11-93

Y-4

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

FR - **




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

Type

Application

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 - **

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 - **

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 - **




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

Type

Application

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.)




**

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

ADDlication

RoS

Wingo, Ltd.
Brooklyn, Iowa
To redeem 10,469 shares of common stock

RoS

Security Bancorp
Stanton, Iowa
To redeem 340,000 shares of preferred stock

RoS

Boyden Bancorp
Boyden, Iowa
To purchase 445 shares (14.34 percent) of common stock
from Iva Rensink

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 08,
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

-Security State Bank
25 North Chestnut, Box 7
New Hampton, Iowa
50659
(515) 394-3021

9/21/92

S

-The First State Bank
172 North Second Street, Box 500
Decatur, Indiana
46733
(219) 724-3151

10/05/92

S

-Bank of Lakeview
506 Lincoln, Box 409
Lakeview, Michigan
48850
(517) 352-7271

9/21/92

S

-Sparta State Bank
109 East Division, P.O. Box 186
Sparta, Michigan
49345
(616) 887-7366

7/29/92

S




RATINGS

Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING JANUARY 8. 1993

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application

End of Comment Period

None.
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
Application
Change in Control notification
involving Bancshares of West Memphis,
West Memphis, Arkansas by M.E. Black
Dunklin, M.E. Black Farms, Inc.,
George H. Dunklin, Jr. and Deborah D. Tipton
Change in Control notification involving
Citizens National Bancorp, Inc.,
Springfield, Missouri by Charles and
Frances Tuck

End of Comment Period

Not yet available

Federal Register: 1-19-93

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.




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
A n institution in this group has an outstanding record of, and is a leader in, ascertaining and helping
to m eet 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
A n institution in this group has a satisfactory record o f ascertaining and helping to m eet 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
A n institution in this group needs to improve its overall record o f ascertaining and helping to m eet
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
A n institution in this group has a substantially deficient record o f ascertaining and helping to m eet
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

January 8, 1993

Name of Bank

Bank Address

Mid-America Bank of
Louisville & Trust Co.

P. 0. Box 1101
Louisville, Kentucky 40201




Examination
Date
9-21-92

Examination
Rating
Satisfactory

FED ER A L R ESER VE BANK OF M IN N E A P O L IS

Section I - Applications Subject to
Newspaper Notice Only
Comment Period
Endina Date

Application
None.

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

Comment Period
Endina Date

Norwest Corporation
Mpls, MN
To acquire, via merger, 100%
of Financial Concepts Bancorp,
Inc., Green Bay, WI*

Not yet available

Community First Bankshares, Inc.
Fargo, ND
To acquire, via merger, 100% of
the voting shares of the Citizens
Bancorp, Inc., Morris, MN, a one
bank holding company owing the
Citizens Bank, Morris, MN*

Not yet available

Mellette Holding Company
Mellette, SD
To acquire 100% of the Farmers
State Bank of Mellette, Mellette, SD*

Not yet available

First Bank System, Inc.
Mpls, MN &
Central Bancorporation, Inc.
Denver, CO
To acquire, through merger,
Colorado National Bankshares, Inc.,
Denver, CO*

Not yet available

First Bank System, Inc.
Mpls, MN &
Central Bancorporation, Inc.
Denver, CO
To continue to control Bank Western,
Denver, CO, which is proposing to
convert from a federal savings bank
to a national bank.*

Not yet available

* Subject to CRA




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

Section III - Applications Subject
to Federal Register Notice Only
Application
Norwest Corporation
Mpls, MN
To engage in title insurance
agency activities including real
estate settlement service acti­
vities through the acquisition
of substantially all of the assets
of Community Title Guaranty Com­
pany, Lombard, IL

Comment Period
Ending Date
1-21-93

Norwest Corporation
Mpls, MN
To engage in mortgage servicing
through the acquisition of the
mortgage servicing business of
University Bank, Green Bay, WI

Not yet available

Norwest Corporation
Mpls, MN
To engage in brokerage activities
through the acquisition of the
discount brokerage business of
University Bank, Green Bay, WI

Not yet available

First Bank System, Inc.
Mpls, MN &
Central Bancorporation, Inc.
Denver, CO
To engage in the sale of credit
life and accident and disability
insurance to customers of the sub­
sidiary banks of Colorado National
Bankshares, Inc., Denver, CO, in
conjunction with the purchase of
credit related products from the
CNB Banks through the acquisition of
Colorado National Insurance Agency,
Inc., Denver, CO, a subsidiary of
Colorado National Bankshares, Inc.

Not yet available




FED ER A L R ESER VE BANK OF M IN N E A P O L IS

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

Application

First Bank System, Inc.
Mpls, MN &
Central Bancorporation, Inc.
Denver, CO
To engage in the reinsurance of those
insurance products sold by Colorado
National Insurance Agency, Inc.
through the CNB Banks through
the acquisition of Colorado National
Life Insurance Co., Inc., Denver, CO,
a subsidiary of Colorado National
Bankshares, Inc.

Not yet available

Dunn County Bankshares, Inc.
Menomonie, WI
To engage dg novo in making and ser­
vicing a specific loan.

Not yet available

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




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending January 8, 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
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 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.




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending January 8, 1993
ASSIGNMENT OF RATING

BANK( ) EXAMINED
S

DATE OF EXAMINATION

First Valley Bank
Highway 83 & Sycamore
P. 0. Box 720
Seeley Lake, MT 59868
(406)677-2464

September 21, 1992

First State Bank of
Rushmore
103 North Thompson
P. 0. Box 48
Rushmore, MN 56168-0048
(507)478-4121

September 28, 1992

Crow River State Bank
710 Babcock Boulevard
P. 0. Box B2
Delano, MN 55328
(612)972-3385




August 31, 1992

CRA RATING
Satisfactory

Satisfactory

Outstanding

Federal Reserve Bank of Kansas City

SECTION I ~ APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION
Citizens National Bank & Trust of
Muskogee, Muskogee, Oklahoma, for
prior approval to retain it's
membership in the Federal Reserve
System as a state chartered bank.

COMMENT PERIOD ENDING DATE
Not Available

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

COMMENT PERIOD ENDING DATE

City Bankshares, Inc., Employee Stock
Ownership Plan, Oklahoma City,
Oklahoma, for prior approval to
increase ownership in City
Bankshares, Inc., Oklahoma City,
Oklahoma, from 15.20 percent to 19.66
percent.

Not Available

Crested Butte State Bank Holding
Company, Crested Butte, Colorado, for
prior approval to become a bank
holding company through the
acquisition of 100 percent of the
outstanding shares of Crested Butte
State Bank, Crested Butte, Colorado.*

Not Available

SECTION III ~ APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

None.
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
APPLICATION
Flagler Bankshares, Inc., for prior
approval to redeem 3,000 shares of
their outstanding common stock.




Not Available

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

Clayton State Bank
P .0. Box 8
Clayton, Oklahoma 74536

10-19-92

01-07-93

Improvement
Needed

Wahoo State Bank
P.0. Box 188
Wahoo, Nebraska 68066-0188

10-19-92

01-06-93

Satisfactory

♦Application is subject to CRA.




CRA
Rating

FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF JANUARY 4, 1993

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
APPLICATION

NOTICE EXP

♦Section 9 application by
First Bank of Muleshoe, Muleshoe, TX, to establish
a branch at 216 N. Broadway, Dimmitt, TX

93/01/16

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

*♦ NOTICE EXP

Change in Control Notice by
William Cotulla; Carl Huddleston; Daniel Kinsel III,
and John Northcut, Cotulla, TX; and Andrew Lewis III,
San Antonio, TX, to acquire an interest in Stockmens
Financial Corporation, Cotulla, TX
(Previously reported during the week of 12-14-92)

93/01/07

♦Section 3(a)(3) application by
Texas Financial Bancorporation, Inc., Minneapolis, MN,
to acquire The Terrell State Bank, Terrell, TX

93/01/28

♦Section 3(a)(3) application by
First Bancorp, Inc., Denton, TX, to acquire
The Terrell State Bank, Terrell, TX

93/01/28

♦Section 3(a)(3) application by
First Delaware Bancorp, Inc., Dover, DE, to acquire
The Terrell State Bank, Terrell, TX

93/01/28

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




NOTICE EXP

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 4, 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 1/08/93

Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

None

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

Comment Period Ending Date

None

Section III - Applications Subject to Federal Register Notice Only
Application

Comment Period Ending Date

Zions Bancorporation, Salt Lake City, Utah,
to form a joint venture to sell credit life
insurance with American Bankers Insurance
Group, Inc., Miami, Florida.

Fed. Reg.:

2/05/93

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

* Subject to CRA




FEDERAL RESERVE BANK OF SAN FRANCISCO (cont'd.)

Week ending 1/08/93
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during
the week ending December 31, 1992. Information about a particular
institution's CRA evaluation may be obtained directly from the institution.
Institution

Location

Examination Date

Rating*

Idaho State Bank

P.0. Box 909
Glenns Ferry, ID 83623
(208) 366-7492

09/28/92

Satisfactory

American Pacific Bank

112 Main Street
Aumsville, OR 97325
(503) 749-1200*

10/05/92

Satisfactory

* Under the rating system an institution's CRA performance is assigned one of
the following four ratings:
Outstanding record of meeting community credit needs: An institution has an
outstanding record of, and is a leader in, ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
Satisfactory record of meeting community credit needs: An institution has a
satisfactory record of ascertaining and meeting the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs: An institution
needs to improve its overall record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- to moderateincome neighborhoods, in a manner consistent with its resources and
capabilities.
Substantial 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
capabilities.




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