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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'j rccoru ot meeting coaiiuunity 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 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(S ) EXAMINED 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.