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Federal Reserve Release
H.2

Actions o f the Board, Its Staff,
and the Federal Reserve Banks:
Applications and Reports Received

No. 29

Week Ending July 19,1997

Board o f Governors o f the Federal Reserve System, Washington, DC 20551




No. 29
ACTIONS TAKEN BY THE BOARD OF GOVERNORS
TESTIMONY AND STATEMENTS
Efforts to streamline the disclosure requirements for home mortgage loans under
the Truth in Lending Act and unify them with those of the Real Estate Settlement
Procedures Act —statement by Governor Meyer before the Subcommittee on
Financial Institutions and Regulatory Relief of the Senate Committee on Banking,
Housing, and Urban Affairs, July 15,1997.
- Published, July 15,1997
Views on the Financial Services Competition Act of 1997 —statement by
Chairman Greenspan before the House Committee on Commerce, July 17,1997.
-Published, July 17,1997
ADVISORY COUNCILS




Consumer Advisory Council.
- Convened, July 17,1997

H.2
July 13,1997 to July 19,1997

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; RBOPS - Reserve Bank Operations and Payment
Systems; IF - International Finance; OSDM - Office of Staff Director for Management

BANK BRANCHES, DOMESTIC
Richmond
Commercial and Farmers Bank, EUicott City, Maryland —to establish a branch at
6430 Freetown Road, Columbia, Maryland.
- Approved, July 16,1997
Chicago
First American Bank, Carpentersville, Illinois —to establish a branch at 33 West
Monroe, Chicago, Illinois.
- Approved, July 18,1997
Minneapolis
First Interstate Bank, Billings, Montana —to establish a branch in Eureka, Montana.
- Approved, July 18,1997
Chicago
First Source Bank, South Bend, Indiana —to establish a branch at 973 South
Centerville Road, Sturgis, Michigan.
- Approved, July 14,1997
Richmond
First Virginia Bank-Commonwealth, Grafton, Virginia —to establish a branch inside
the Wal-Mart SuperCenter at 12401 Jefferson Avenue, Newport News, Virginia.
- Approved, July 18,1997
Philadelphia
Madison Bank, Blue Bell, Pennsylvania -- to establish a branch at 8000 Verree
Road, Philadelphia, Pennsylvania.
- Approved, July 17,1997
Minneapolis
New North Shore Bank, Duluth, Minnesota -- to establish branches in Duluth and
Hermanstown, Minnesota.
- Approved, July 17,1997




H.2
July 13, 1997 to July 19,1997

Page 2

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Philadephia
Premier Bank, Doylestown, Pennsylvania —to establish a branch at 101 Floral Vale
Boulevard, Yardley, Pennsylvania.
- Approved, July 18,1997
San Francisco
Santa Barbara Bank & Trust, Santa Barbara, California —to establish a branch at
5000 Santa Rosa Road, Camarillo, California.
- Approved, July 15,1997
New York
Summit Bank, Hackensack, New Jersey -- to establish branches at Pathmark
Supermarkets at 145 Passaic Avenue, Kearney; 420 Grand Avenue, Jersey City; 35
Lackawanna Plaza, Montclair; 1070 Hamburg Turnpike, Wayne; 25 Kinnelon Road,
Kinnelon; 130 White Horse Pike, Lawnside; and 1450 Clements Bridge Road,
Deptford, all in New Jew Jersey.
- Approved, July 16,1997
Kansas City
Vectra Bank, Denver, Colorado -- to establish a branch at 6025 Parkway Drive,
Commerce City, Colorado.
- Approved, July 15,1997
BANK HOLDING COMPANIES
New York
Anteilsverwaltung-Zentralsparkasse, Vienna, Austria, and Bank Austria
Aktiengesellschaft -- to acquire indirectly the U.S. nonbanking subsidiaries of
Creditanstalt-Bankverein, and engage in certain nonbanking activities.
- Permitted, July 17,1997
Secretary
Deposit Guaranty Corp., Jackson, Mississippi —to acquire CitiSave Financial
Corporation, Baton Rouge, Louisiana, and Citizens Savings Association, and engage
in operating a savings association.
- Approved, July 15,1997




H.2
July 13,1997 to July 19,1997

Page 3

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
St. Louis
Enterbank Holdings, Inc., Clayton, Missouri ~ to acquire shares of City Bancorp,
Springfield, Missouri, and The Bank, a proposed de novo bank.
- Approved, July 17,1997
Chicago
FBA Bancorp, Inc., Chicago, Illinois -- to acquire First Bank of the Americas, S.S.B.
- Approved, July 15,1997
Minneapolis
First Bank System, Inc., Minneapolis, Minnesota —to acquire First Bank National
Association, ND, Fargo, North Dakota.
- Approved, July 14,1997
St. Louis
First ElDorado Bancshares, Inc., ElDorado, Illinois - to acquire Dana Bancorp, Inc.,
Dana, Indiana, and First National Bank of Dana.
- Approved, July 15,1997
Dallas
First Marshall Bancshares, Inc., Marshall, Texas —to acquire First Marshall
Delaware Bancshares, Inc., Dover, Delaware; First Marshall Corporation, Marshall,
Texas; and East Texas National Bank, Marshall.
- Approved, July 16,1997
Dallas
First Marshall Delaware Bancshares, Inc., Dover, Delaware -- to acquire First
Marshall Corporation, Marshall, Texas, and East Texas National Bank, Marshall.
- Approved, July 16,1997
General Counsel
Fleet Financial Group, Inc., Providence, Rhode Island —request for relief from
commitment to divest its ownership interest in Savings Bank Life Insurance
Corporation.
- Granted, July 16,1997




H.2
July 13, 1997 to July 19,1997

Page 4

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Atlanta
Hibernia Corporation, New Orleans, Louisiana -- to merge with Executive
Bancshares, Inc., Paris, Texas, and acquire First National Bank o f Paris, Texas, and
Collin County National Bank, McKinney, Texas.
- Approved, July 17,1997
St. Louis
Holly Springs Bancshares, Inc., Holly Springs, Mississippi —to acquire Bank of
Holly Springs.
- Approved, July 15,1997
Secretary
Lauritzen Corporation, Omaha, Nebraska -- to acquire shares of First National of
Nebraska, Inc., Omaha, Nebraska.
- Approved, July 17,1997
New York
MSB Mutual Holding Company, Wall Township, New Jersey, and MSB Financial,
Inc. —to acquire Manasquan Savings Bank.
- Approved, July 18,1997
Minneapolis
Norwest Corporation, Minneapolis, Minnesota; Norwest Financial Services, Inc. and
Norwest Financial, Inc., both of Des Moines, Iowa -- to acquire Tennessee Credit
Corporation, Murfreesboro, Tennessee, and First City Life Insurance Company.
- Approved, July 17,1997
Cleveland
OSB Bancorp, Inc., Osgood, Ohio —to acquire The Osgood State Bank.
- Approved, July 15,1997
Director, BS&R
PNC Bank Corp., Pittsburgh, Pennsylvania —request for relief from a commitment
concerning the operation of certain private investment limited partnerships.
- Granted, July 15,1997




H.2
July 13,1997 to July 19,1997

Page 5

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
S t Louis
S t Clair Bancshares, Inc., S t Clair, Missouri —to acquire Fanners and Merchants
Bank of S t Clair.
- Approved, July 18,1997
S t Louis
Union Illinois 1995 Investment Limited Partnership, Swansea, Illinois —to acquire
shares of Union Illinois Company.
- Approved, July 14,1997
New York
United Roosevelt MHC, Carteret New Jersey, and United Roosevelt Bancorp —to
acquire United Roosevelt Savings Bank.
- Approved, July 18,1997
BANK MERGERS
Minneapolis
New North Shore Bank, Duluth, Minnesota -- to merge with North Shore Bank o f
Commerce.
- Approved, July 17,1997
Kansas City
Security Bank, Denver, Colorado —to merge with Professional Bank and establish
additional branches.
- Approved, July 16,1997
BANKS, STATE MEMBER
Director, BS&R
First Bank, Strasburg, Virginia -- registration as transfer agent.
- Withdrawn, July 16,1997
Director, BS&R
First Banking Center-Burlington, Burlington, Wisconsin —transfer agent
registration.
- Approved, July 14,1997




H.2
July 13, 1997 to July 19,1997
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

Page 6

CHANGE IN BANK CONTROL
Chicago
South Holland Bancorp Inc., South Holland, Illinois —change in bank control.
- Permitted, July 18,1997
Kansas City
Stigler Bancorporation, Inc., Stigler, Oklahoma -- change in bank control.
- Permitted, July 16,1997
COMPETITIVE FACTORS REPORTS
Secretary
Barnett Bank, N.A., Jacksonville, Florida -- report on competitive factors of the
proposed acquisition of the assets and assumption of the liabilities of the Ormond
Beach, Naples, Orlando, Kissimmee, and Sarasota, Florida, branches of SouthTrust
Bank of Florida, N.A., St. Petersburg, Florida.
- Submitted, July 14,1997
San Francisco
Cathay Bank, Los Angeles, California —report on competitive factors of the
proposed purchase of the assets and assumption of the liabilities of the Westminster,
California, branch of Lippobank, Los Angeles, California.
- Submitted, July 18,1997
Cleveland
Charter One Financial, Inc., Cleveland, Ohio —report on competitive factors of the
proposed acquisition of RCSB Financial, Inc., Rochester, New York, and proposed
merger of Rochester Community Savings Bank, Rochester, New York, with Charter
One Bank, FSB, Cleveland, Ohio.
- Submitted, July 18,1997
San Francisco
Chase Trust Company, N.A., Los Angeles, California -- report on competitive
factors of the proposed acquisition of the assets and assumption of the liabilities of
the Los Angeles, California, branch of Chase Manhattan Private Bank, N.A.,
Tampa, Florida.
- Submitted, July 17,1997




H.2
July 13,1997 to July 19,1997

Page 7

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Minneapolis
Citizens Interim Independent Bank, St. Louis Park, Minnesota -- report on
competitive factors o f the proposed merger with Citizens Independent Bank.
- Submitted, July 18,1997
Chicago
Farmers State Bank of Ferris, Ferris, Illinois -- report pn competitive factors of the
proposed acquisition of the assets and assumption of the liabilities of certain
branches o f Omni Bank, Macomb, Illinois.
- Submitted, July 14,1997
San Francisco
First Bank and Trust, Irvine, California -- report on competitive factors of the
proposed purchase of certain assets and assumption of certain liabilities of the
Woodland Hills, California, branch of Highland Federal Bank, F.S.B., Los Angeles,
California.
- Submitted, July 18,1997
St. Louis
First National Bank and Trust Company, Paducah, Kentucky —report on
competitive factors of the proposed merger with Guaranty Federal Savings Bank,
Clarksville, Tennessee.
- Submitted, July 17,1997
Cleveland
Fort Jennings State Bank, Fort Jennings, Ohio -- report on competitive factors of the
proposed merger with FJSB.
- Submitted, July 18,1997
Chicago
George Washington Savings Bank, Oak Lawn, Illinois -- report on competitive
factors of the proposed merger with George Washington Interim Savings Bank.
- Submitted, July 14,1997
Cleveland
Great Lakes Bank, Mentor, Ohio —report on competitive factors of the proposed
merger with GLB Interim Bank.
- Submitted, July 18,1997




H.2
July 13,1997 to July 19,1997
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

Page 8

Minneapolis
Marqette Bank o f South Dakota, N.A., Sioux Falls, South Dakota —report on
competitive factors of the proposed merger with four banks in South Dakota.
- Approved, July 18,1997
St. Louis
Mercantile Bank National Association, Hartford, Illinois -- report on competitive
factors of the proposed merger with Mercantile Bank of Illinois, Alton; and Mark
Twain Illinois Bank, Belleville, Illinois.
- Submitted, July 17,1997
Cleveland
Northwest Savings Bank, Warren, Pennsylvania —report on competitive factors o f
the proposed purchase of certain assets and assumption of certain liabilities of the
Oil City branch of First Western Bank, F.S.B., Sharon, Pennsylvania.
- Submitted, July 18,1997
Cleveland
Osgood State Bank, Osgood, Ohio —report on competitive factors of the proposed
merger with OSB Interim Bank.
- Submitted, July 18,1997
Cleveland
Progressive Bank, N.A. - Bellaire, Bellaire, Ohio —report on competitive factors of
the proposed merger with Progressive Bank, N.A., Wheeling, West Virginia.
- Submitted, July 18,1997
St. Louis
Republic National Bank of Dana, Dana, Indiana —report on competitive factors of
the proposed merger with The First National Bank of Dana, Dana, Indiana.
- Submitted, July 17,1997
Chicago
State Farm Mutual Automobile Insurance Company, Bloomington, Illinois - report
on competitive factors of the proposed acquisition of the assets and assumption of
the liabilities of State Farm Financial Services, F.S.B.
- Submitted, July 14,1997




H.2
July 13,1997 to July 19,1997

Page 9

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
New York
United Roosevelt Savings Bank, Carteret, New Jersey —report on competitive
factors of the proposed merger with United Roosevelt Savings Bank, an interim
savings bank.
- Submitted, July 18,1997
San Francisco
Zions First National Bank, Salt Lake City, Utah —report on competitive factors of
the proposed acquisition of the assets and assumption of the liabilities of six Utah
branches of Wells Fargo Bank, N.A., San Francisco, California.
- Submitted, July 18,1997
EXTENSIONS OF TIME
Dallas
Bank of the West, El Paso, Texas -- extension to July 22,1998, to establish a branch
at the northeast comer of Montwood Drive and Firehouse Drive.
- Granted, July 15,1997
Chicago
CH and JD Byrum, LLC, Indianapolis, Indiana -- extension to October 23,1997, to
acquire American State Corporation, Lawrenceburg, Indiana, and American State
Bank.
- Approved, July 17,1997
Dallas
First Live Oak Bancshares, Inc., Three Rivers, Texas -- extension to October 14,
1997, to acquire First Live Oak Delaware Bancshares, Inc., Dover, Delaware, and
First State Bank, Three Rivers, Texas.
- Granted, July 18,1997
Dallas
First Live Oak Delaware Bancshares, Inc., Dover, Delaware —extension to .
October 14,1997, to acquire First State Bank, Three Rivers, Texas.
- Granted, July 18,1997




H.2
Page 10
July 13,1997 to July 19,1997
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
New York
Saban S.A., Panama City, Panama, and RNYC Holdings Limited, Gibraltar extension to October 28, 1997, for Saban to acquire shares of Republic New York
Corporation, New York, New York, and for Saban and RNYCH to acquire shares of
RNYC.
- Granted, July 16,1997
MEMBERSHIP
Chicago
Bank of Ladd, Ladd, Illinois -- to become a member of the Federal Reserve System.
- Approved, July 16,1997
Chicago
Hanover State Bank, Hanover, Illinois —to become a member of the Federal
Reserve System.
- Approved, July 17,1997
Minneapolis
New North Shore Bank, Duluth, Minnesota —to become a member of the Federal
Reserve System.
- Approved, July 17,1997
Chicago
Omni Bank, Macomb, Illinois —to become a member of the Federal Reserve
System.
- Approved, July 17,1997
Chicago
Tiskilwa State Bank, Tiskilwa, Illinois -- to become a member of the Federal
Reserve System.
- Approved, July 16,1997




A dditions/Corrections

H.2

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
BANK HOLDING COMPANIES
Kansas City
First National Bancshares of Gallatin, Gallatin, Missouri -- to acquire The First
National Bank of Gallatin.
- Approved, July 2,1997
Kansas City
Intra Financial Corp., Clyde, Kansas -- to acquire Peoples Bancorp of Belleville,
Belleville, Kansas.
- Approved, July 2,1997
COMPETITIVE FACTORS REPORTS
San Francisco
Bay View Capital Corporation, San Mateo, California —report on competitive
factors of the proposed acquisition of the assets and assumption of the liabilities of
Eureka Holdings, Inc., San Mateo, California, and EurekaBank, FSB.
- Submitted, July 7,1997
EXTENSIONS OF TIME
Boston




Charter Oak Community Bank Corp., Vernon, Connecticut -- extension to acquire
shares of The Savings Bank of Rockville.
- Granted, July 10,1997

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS
SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY
Comment Period Ending Date

Application

NONE

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

Application

NONE

SECTION III - APPLICATIONS SUBJECT TO

FEDERAL REgXSTEILMQIICE-QSLY
Application

Comment Period Ending Date
NONE

SECTION IV - APPLICATIONS NOT SUBJECT TO
FEDERAL REGISTER OR NEWSPAPER NOTICE
Application
NONE

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Institution

Examination Date

Rating**

NONE
SECTION VI - APPLICATIONS BULLETIN
Effective April 21, 1997, information regarding the comment periods associated with
applications and notices submitted to the Federal Reserve Bank of Boston for*
processing under section 3 and 4( c ) (8) of the Bank Holding Company Act of 1956, as
amended, will be available 24 hours a day by calling the following
toll-free number 1-800-896-9480.
♦Subject to CRA.
♦♦Rating Definitions:
"O" - Outstanding; "S" - Satisfactory; "N" - Needs to
Improve; "SN" - Substantial Noncompliance




FEDERAL RESERVE BANK OF NEW YORK
Comment Period
Ending Date
SECTION I
Applications Subject to Newspaper
Notice Only_____
None.
SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
First Financial Caribbean Corporation, San Juan, Puerto Rico ("FFCC"),
to become a bank holding company, in connection with the proposed
conversion of Doral Federal Savings Bank, San Juan, Puerto Rico,
to a non-member commercial bank; and FFCC to continue to engage in
making, acquiring and servicing mortgage loans through its subsidiary,
Doral Mortgage Corporation, Hato Rey, Puerto Rico.

8/15/97 2/

SECTION III
Nonbanking Applications
(subject to Federal Register Notice Only t
Royal Bank of Canada, Montreal, Canada, through Integrion Financial
Network, LLC, Atlanta, Georgia, to acquire certain assets and liabilities
of VISA Interactive, Inc. and thereby engage in data processing and
data transmission services.
SECTION IV
Applications Not Involving
___Public Comment___
None.




N/A

SECTION V
Availability of CRA Public Evaluations
In connection with the assessment of each insured depository institution's
CRA performance, a rating is assigned from the following group:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and
is a leader in, ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated
community, including low- and moderate- income neighborhoods,
in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record
of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate income
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate- income
neighborhoods, in a manner consistent with its resources and capabilities.
Week Ending July 19.1997
NAM E O F BANK

R A T IN G

None.
1/ Subject to provisions of Community Reinvestment Act.
2/ Later of dates specified in newspaper and Federal Register notices.
2/ Date specified in newspaper notice; a later date may be specified in
the Federal Register notice.
4/ Date specified in Federal Register notice; a later date may be
specified in the newspaper notice.
N/A - Not Available




E X A M IN A T IO N D A T E

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER

NOTICE O
NLY
First Sterling Bank. Devon, Pennsylvania to merge with Prime Bank, a savings bank,
Philadelphia, Pennsylvania, pursuant to Section 5(d)(3) of the Federal Deposit Insurance Act.
Newspaper comment period expires:

N/Avail

Madison Bank. Blue Bell, Pennsylvania to establish a branch office at 100 Main Street,
Lansdale, Pennsylvania, pursuant to Section 9 of the Federal Reserve Act.
Newspaper comment period expires:

08/02/97

SECTIONII - A
PPLICATIONS RECEIVEDANDSUBJECT TO B
OTHNEW
SPAPER
AND FEDERAL REGISTER NOTICE
NONE

SECTION m - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL
REGISTER NOTICE ONLY
Keystone Financial. Inc.. Harrisburg, Pennsylvania to engage in employee benefits counseling
services, pursuant to Section 4(c)(8) of the Bank Holding Company Act and Section
225.28(b)(9)(h) of Regulation Y.
Federal Register cmt. period expires:

07/29/97

SECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL
REGISTER NOTICE OR NEWSPAPER




NONE

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 July 21, 1997.
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 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
neighborhoods, in a manner consistent with its resources and capabilities.
B ank/I .ocation

Examination Date

CRA Rating

NONE

NONE

NONE




District
Federal Reserve Bank of Cleveland
Applications and notifications filed during the week of 7/19/97

Section I - Applications subject to newspaper notice only
Type

Application

18C
9

Received notice from Citizens Commercial Bank & Trust
Company, Celina, OH, on July 18, 1997, to merge with
Van Wert National Bank, Van Wert, OH, and to establish
branches.

Ending date o f
comment period

*8/19/97

Footnotes

Section II - Applications subject to both newspaper and Federal Register notice
Type

Application

Ending date o f
comment period

NONE

Footnotes

Section III - Applications subject to Federal Register notice only
Type

Application

Ending date o f
comment period

NONE

Footnotes

Section IV - Applications not subject to Federal Register or newspaper notice
Type

Application

4C8

Received notice from Mellon Bancorp, Pittsburgh, PA, on July
18,1997, of its intent to acquire a 20% interest in Money
Station, Inc.

Footnotes




Ending date o f
comment period

Section I V - Applications not subject to Federal Register o r newspaper notice

Type

Ending date o f
comment period

Application

S ectio n V - A v a ila b ility o f C R A p u b lic e v a lu a tio n s

Description o f the CRA Goal against which institutions are evaluated, the four performance levels, and the
institutions fo r which an evaluation is publicly available.
The CRA requires a periodic evaluation o f each covered institution regarding the extent to which it has
ascertained, and helped meet, the credit needs o f its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.
The federal bank regulators use the following four performance levels to rate an institution’s performance under
CRA.:
O u ts ta n d in g
S a tisfa c to ry
N eeds to Im p ro v e
S u b s ta n tia l n o n c o m p lia n c e

RSSD
number

Institution/ Location

Examination
date

CRA
public date

CRA
rating

614313

The State Bank and Trust Company
P.O. Box 6287
Defiance, OH 43512

3/24/97

7/14/97

Satisfactory

513920

The Marblehead Bank
709 W est Main Street
Marblehead, OH 43440

5/5/97

7/17/97

Satisfactory

Footnotes




Federal Reserve Bank of Richmond

Section I - Applications Subject ta Jfewsoaper

H t f . i Only
oilfComment Period Ending Pate

Application
Triangle Bank, Raleigh, North Carolina,
to establish a branch inside the Winn
Dixie Store at Clayton Crossing, 11407
U.S. Highway 70 West, Clayton, North
Carolina.*

8-8-97

F & M Bank-Winchester, Winchester,
Virginia, to establish a drive-thru
branch facility at 8 West Market
Street, Leesburg, Virginia.*

8-16-97

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

Comment Pesiod.Ending.Bate

People's Community Capital Corporation,
Aiken, South Carolina, to become a bank
holding company through the acquisition
of 100% of the voting shares of People's
Community Bank of South Carolina, Aiken,
South Carolina, in organization.

8-14-97**

BB&T Financial Corporation, WinstonSalem, North Carolina, to acquire
Virginia First Financial Corporation,
Petersburg, Virginia, and its subsidiary,
First Federal Savings Bank, F .S .B .
,
Petersburg, Virginia.

8-15-97

Crestar Financial Corporation, Richmond,
Virginia, to acquire American National
Bancorp, Inc., Baltimore, Maryland, and
its subsidiary, American National Savings
Bank, F .S . . Baltimore, Maryland.
B ,

8-17-97**

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



Federal Reserve Bank of Richmond

Section III ^Applications, Subject to Federal Register Notice
application

Comment ,Period Ending Date

NationsBank Corporation, Charlotte,
North Carolina, to acquire Montgomery
Securities and The Pyramid Company,
both of San Francisco, California.

Section IV - Application Not Subject to
Federal Register Notice or Newspaper Notice

application
Community First Bancorporation, Walhalla,
South Carolina, to become a bank holding
company through the acquisition of 100%
of the voting shares of Community First
Bank, Inc., Walhalla, South Carolina.




8-15-97**

Federal Reserve Bank of Richmond

Section V - Availability gf CRA Public Evaluations
Week ending July 18, 1997

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 con­
sistent 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.

RSSD
Number
1229228

858528




Examination
____ Pate___

Name of Bank
The Marathon Bank
4095 Valley Pike
Stephens City, Virginia

22602

The Bank of Marion
102 West Main Street
Marion, Virginia 24354-2599

5-5-97

5-12-97

Bating

Outstanding

Satisfactory

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending July 18.1997
Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Colonial Bank
Montgomery, Alabama
To establish a branch located at 5441 Highway 90 West, Mobile, Alabama.

07-31-97*

Colonial Bank
Montgomery, Alabama
To establish a branch located at 3379 Peachtree Road, Atlanta, Georgia.

07-31-97*

Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

Barnett Banks, Inc.
Not yet available*
Jacksonville, Florida
To acquire First American Bank-Florida, FSB, Tampa, Florida, and thereby engage in owning,
controlling, and operating a savings association, pursuant to Section 225.28(b)(4)(ii) of Regulation
Y and Section 4(c)(8) of the Bank Holding Company Act.
Big Lake Financial Corporation
Not yet available*
Okeechobee, Florida
To merge with CNB Financial Corporation, Clewiston, Florida, and thereby directly acquire
Clewiston National Bank, Clewiston, Florida, pursuant to Section 3(a)(5) of the Bank Holding
Company Act.
Section 3 - Applications Subject to Federal Register Only
Application

Comment Period Ending Date

None.

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
None.

*Subject to the provisions of the Community Reinvestment Act.



Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending July 18.1997

Section IQ- Availability of CRA Public Evaluation?
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:
O utstanding record o f m eeting com m unity credit needs: An institutionhas 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 m eeting com m unity 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-incomeneighborhoods, in a manner consistent with its resources and capabilities
Needs to im prove record of m eeting com m unity 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.
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-incomeneighborhoods, in a manner consistent
with its resources and capabilities.
Substantial noncom pliance in m eeting com m unity credit needs:

B an k

None.




C R AJ t aling

E xam ination D ate

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending July 18.1997
Recently Approved Applications

Approval Pat?

Deposit Guaranty Corp.
07-15-97
Jackson, Mississippi
For its subsidiary, CSF Acquisition Corp., Jackson, Mississippi, to acquire CitiSave Financial
Corporation, Baton Rouge, Louisiana, and its subsidiary, Citizens Savings Association, F.A., Baton
Rouge, Louisiana, and thereby engage in operating a savings association, pursuant to Section
225.28(b)(4)(ii) of Regulation Y and Section 4(c)(8) of the Bank Holding Company Act.
Hibernia Corporation
07-17-97
New Orleans, Louisiana
To merge with Executive Bancshares, Inc., Paris, Texas, and thereby acquire First National Bank
of Paris, Paris, Texas, and Collin County National Bank, McKinney, Texas, pursuant to Section
3(a)(5) of the Bank Holding Company Act.




Federal Reserve Bank of Chicago
Section I - Applications Subject to Newspaper
Notice Only
Comment Period
Type

Application

Merger & Branch

UnionBank
Streator, Illinois
UnionBank/Sandwich
Sandwich, Illinois
and to establish a branch at
Route 34 and Center Street
Plano, Illinois

NP - 7-25-97

Merger & Branch

Tiskilwa State Bank
Tiskilwa, Illinois
Tampico National Bank
Tampico, Illinois
First National Bank of Manlius
Manlius, Illinois
and to establish branches at
601 S. Main Street
Princeton, Illinois
1839 N. Main Street
Princeton, Illinois

NP - 7-25-97

Branch

F & M Bank-Northeast
Pulaski, Wisconsin
1926 & 1934 Dickinson Road
DePere, Wisconsin

NP - 7-28-97

Branch

First American Bank
NP - 8-7-97
Carpentersville, Illinois
Northeast comer of intersection of Roosevelt Road (Route 38)
and Bakerhill Road
Glen Ellyn, Illinois




Ending Date

Federal Reserve Bank of Chicago
Section I - Applications Subject to Newspaper
Notice Only cont’d
Comment Period
Ending Date

Type

Application

Merger & Branch

Omni Bank
Macomb, Illinois
Farmers State Bank of Ferris
Ferris, Illinois
and to establish a branch at
Main Street, Ferris, Illinois

NP - 7-25-97

Branch

Fifth Third Bank of Central Indiana
Indianapolis, Indiana
3060 Valley Farms Road
Indianapolis, Indiana

NP - 8-15-97

NP - Newspaper
FR - Federal Register
* - Subject to Provisions of Community Reinvestment Act
** - Not available at this time




Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspaper and Federal
Register Notice
Comment Period
Ending Date

Type

Application

CoC-HC

Home Financial Bancorp
Spencer, Indiana
by Leon A. Greenblatt, III and Chiplease, Inc.

FR - 7-9-97
NP - 7-14-97

3(a)(1)

Community National Bancorporation.*
Waterloo, Iowa
Community National Bank (in organization)
Waterloo, Iowa

FR - 7-29-97
NP - 7-18-97

3(a)(3)

Bank of Elmwood Employee Stock Ownership
Plan and Trust*
Racine, Wisconsin
Elmwood Financial Corporation
Racine, Wisconsin
Bank of Elmwood
Racine, Wisconsin

FR - 8-4-97
NP - 7-24-97

CoC-HC

Damen Financial Corporation
Schaumburg, Illinois
By Jackson Boulevard Fund, Ltd.,

FR - 8-1-97
NP - 8-5-97

3(a)(3)

First Midwest Bancorp, Inc.*
Itasca, Illinois
SparBank, Incorporated
McHenry, Illinois
McHenry State Bank
McHenry, Illinois

FR - 7-21-97
NP - 7-28-97

3(a)(1)

Northwest Suburban Bancorp, Inc.*
Arlington Heights, Illinois
Mount Prospect National Bank
Mount Prospect, Illinois (in organization)

FR - 7-28-97
NP - 7-28-97

3(a)(1)

Progressive Bancorp, Inc.*
Pekin, Illinois
Pekin Savings, S.B.
Pekin, Illinois

FR - 8-15-97
NP - **




Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspaper and Federal
Register Notice cont’d
Comment Period

Ending Date

Type

Application

3(a)(1)

First State Bancshares, Inc.*
Ida Grove, Iowa
First State Bank
Ida Grove, Iowa

FR - 8-15-97
Np - **

3(a)(1)

Hometown Independent Bancorp, Inc.*
Morton, Illinois
Morton Community Bank
Morton, Illinois

FR - 8-15-97
NP - **

4(c)(8)

Associated Banc-Corp
Green Bay, Wisconsin
First Financial Corporation
Stevens Point, Wisconsin
First Financial Bank, FSB
Stevens Point, Wisconsin
Appraisals Services, Inc.
Milwaukee, Wisconsin
First Financial Card Services Bank, N.A.
Stevens Point, Wisconsin

FR - 8-5-97
NP - 7-16-97




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

Type

Application

4(c)(8)

Caisse Nationale de Credit Agricole
Paris, France
Indosuez Investment Management Services, Inc.
Menlo Park, California

Ending Pate
FR - 7-25-97

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

Type
NONE




Application

Federal Reserve Bank of Chicago
Section V - Availability of CRA Public Evaluations
The following state member banks have been examined by the Federal Reserve Bank of Chicago for
com pliance with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed
during the week ending July 18, 1997. 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 has a 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.

SN -

An institution in this group has a substantial noncompliance 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 NAME/LOCATION

EXAMINATION PATE

RATINGS

Clear Lake Bank & Trust
322 Main Avenue
P.O. Box 8
Clear Lake, Iowa 50428-0008
(515) 357-7121
RSSD # 865544

3/31/97

O

The Blissfield State Bank
204 East Jefferson
P.O. Box 40
Blissfield, Michigan 49228-1324
(517) 486-2151
RSSD # 937843

2/10/97

S

Federal Reserve Bank of Chicago
Section V - Availability of CRA Public Evaluations
cont’d

BANK NAME/LOCATION

EXAMINATION DATE

RATINGS

LaSalle State Bank
654 1st Street
P.O. Box 462
LaSalle, Illinois 61301-0462
(815) 223-8800
RSSD # 956134

3/17/97

S

Farmers State Bank of Breckenridge
316 East Saginaw Street
P.O. Box 186
Breckenridge, Michigan 48615-0186
(517) 842-3191
RSSD #691145

3/25/97

O




RESERVE B A N K APPLICATIONS BULLETIN

F or week ending July 18, 1997

FEDERAL RESERVE BANK OF ST. LOUIS
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application

End of Comment Period

* Section 9 branch notification by Southern Commercial
Bank, St. Louis, Missouri, to establish a branch at 300
South Truman Boulevard, Crystal City, Missouri.

7-15-97

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

End of Comment Period

* Section 3(a)(3) notification by Cabot Bankshares, Inc.,
Cabot, Arkansas, to acquire 7.7 percent of Capital Bank,
Little Rock, Arkansas (previously reported during the
week ending July 11, 1997).

Newspaper: 8-11-97

Change in control notification involving Cross County
Bancshares, Inc., Wynne, Arkansas, by the Cross County
Bank Employee Stock Ownership Plan, Wynne, Arkansas
(previously reported during the week ending July 11, 1997).

Federal Register: 8-4-97

* Section 4(c)(8) notification by Union Planters Corporation,
Memphis, Tennessee, to acquire Magna Bancorp, Inc.,
Hattiesburg, Mississippi, and thereby acquire Magnolia
Federal Bank for Savings, Hattiesburg, Mississippi.

Newspaper: 8-15-97

* Section 3(a)(1) notification by Progress Bancshares,
Inc., Sullivan, Missouri, to acquire Progress Bank of
Sullivan, Sullivan, Missouri.

Newspaper: 8-8-97

* Section 3(a)(3) notification by Maries County
Bancorp, Inc., Vienna, Missouri, to acquire Progress
Bancshares, Inc., Sullivan, Missouri.

Newspaper: 8-15-97

* This notification is subject to CRA.



RESERVE B A N K APPLICATIONS BULLETIN

For week ending July 18, 1997

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application

End of Comment Period

None.

SECTIONAPPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
ORNEW
SPAPERNOTICE
Application

End of Comment Period

Notification pursuant to Section 5(b) of the Bank
Service Corporation Act by First National Bank,
Searcy, Arkansas, and First Bank of Arkansas,
Jonesboro, Arkansas (both subsidiaries of First
Commercial Corporation, Little Rock, Arkansas),
to invest in a bank service corporation, The Bank
Card Center, Inc., Norman, Oklahoma.

N/A




RESERVE B A N K APPLICATIONS BULLETIN

For week ending July 18, 1997

FEDERAL RESERVE BANK OF ST. LOUIS
SECTION V - AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification of Ratings:
Outstanding record o f meeting community credit needs

An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record o f meeting community credit needs

An institution in this group has a satisfactory record of ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
Needs to improve record o f meeting community credit needs

An institution in this group needs to improve its overall record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
97neighborhoods, 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 RSSD
Number




Name of Bank

None

Bank Address

Examination
Date

Examination
Rating

RESERVE B A N K APPLICATIONS BULLETIN

For week ending July 18, 1997

SECTION VI - CRA EXAMINATIONS SCHEDULED
Examinations may have to be rescheduled during the calendar quarter in which they are designated
to begin. If an institution's examination is rescheduled for a date later than the end of the date range
reflected in a published schedule, the institution's name will be republished in an appropriate later
listing. Any comments received as a result of either the first publication or subsequent publications
will be considered during the examination.

RSSD
Number




Name

City

State

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section I - Applications Subject to
Newspaper N otice Only

Comment Period
Ending Pate

Application
Le Sueur State Bank, Le Sueur, M innesota to purchase
certain assets and assume certain liabilities o f the Cloquet,
Minnesota branch o f TCF National Bank Minnesota,
M inneapolis, Minnesota, and, incident thereto, to establish
a branch. *

N ot yet available

* Subject to CRA

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section II - Applications Subject to Both
Newspaper and Federal Register N otice
Comment Period
Ending Date

Application
Marquette Bancshares, Inc., M inneapolis, Minnesota for prior
approval to acquire 100% o f the voting shares o f the
Marquette Bank Rochester, N .A ., Rochester, Minnesota. *

August 11, 1997
(Federal Register)

Dean Financial Services, Inc., St. Paul, Minnesota for prior
approval to acquire 100% o f the voting shares o f the First
National Corporation o f Aitkin, Inc., Aitkin, Minnesota;
100% o f the voting shares o f Mid-Continent Financial
Services, Inc., Bloomington, Minnesota; and 100% o f the
voting shares o f the First State Bank o f Eden Prairie,
Eden Prairie, Minnesota. *

August 15,1997
(Federal Register)

* Subject to CRA

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section III - Applications Subject
to Federal Register N otice Only
Comment Period
Ending Date

Application
BCB Bancorp, Inc., Chippewa Falls, W isconsin to engage
de novo in data processing activities.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to
Federal Register N otice or Newspaper N otice
Application
NONE.



Not yet available

FEDERAL RESERVE BANK O F M INNEAPOLIS
Section V - Availability o f

CRA Public Evaluations
w eek ending July 18,1997

ASSIGNMENT OF RATING
Identification o f Ratings
In connection with the assessment o f each insured depository institution's CRA performance, a rating is
assigned from the follow ing 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 o f 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 o f ascertaining and helping to meet die 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 OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group needs to improve its overall record o f ascertaining and helping to meet the
credit needs o f its entire delineated community, including low- and moderate-income neighborhoods, in
a manner consistent with its resources and capabilities.
SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient record o f ascertaining and helping to meet the
credit needs o f its entire delineated community, including low-and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.

BANK(S) EXAMINED
NONE.




DATE OF EXAMINATION

CRA RATING

Federal Reserve Bank of Kansas City

Week ending July 18, 1997

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION
Community Bank & Trust Company, Neosho,
Missouri, for prior approval to merge with Citizens
State Bank, Galena, Kansas, and to establish branches
in Galena, Kansas, and Riverton, Kansas.

COMMENT PERIOD acinic GDATE
Not Available

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
APPLICA TIO N

COMMENT PERIOD ENDING DATE

Western Bank, Albuquerque, New Mexico ESOP &
Trust, Albuquerque, New Mexico^for prior approval
to become a bank holding company through the
acquisition of 26.14 percent of the voting shares of
Western Bancshares of Albuquerque, Albuquerque,
New Mexico.

Not Available

Southwestern Bancshares, inc., Oklahoma City,
Oklahoma, for prior approval to become a bank
holding company through the acquisition of 100
percent of the voting shares of Southwestern Bank &
Trust Company, Oklahoma City, Oklahoma.

Not Available

Thomas J. Remington, S. June Remington, both of
Lincoln, Nebraska, and Ada E. Remington, McCook,
Nebraska, for prior approval to acquire control of
Clatonia, Bancshares, Inc., Clatonia, Nebraska, and
thereby indirectly acquire Farmers Bank of Clatonia,
Clatonia, Nebraska.

July 18, 1997

Community First Bancshares, Inc., Butler, Missouri,
for prior approval to become a bank holding company
through the acquisition of 100 percent of the voting
shares of Citizens Bank, Appleton City, Missouri.

July 31, 1997

Susan Aileen Young, Chicago, Illinois, to acquire
32.51 percent of the voting shares of C.S.B. Co.,
Cozad, Nebraska, and thereby indirectly acquire
Cozad State Bank and Trust Company, Cozad,
Nebraska, and First National Bank of Chadron,
Chadron, Nebraska.

August 5, 1997




David L. and Nancy A. Spehar, Kansas City, Kansas,
for prior approval to acquire 11.3 percent the voting
shares of First Community Bancshares, Inc., Kansas
City, Kansas, and thereby indirectly acquire First
Community Bank, Kansas City, Kansas.

August 5, 1997

Commerce Bancshares, Inc., Kansas City, Missouri,
for prior approval to acquire 100 percent of the voting
shares of CNB Bancorp, Inc., Independence, Kansas,
and thereby indirectly acquire Citizens National Bank,
Independence, Kansas.

August 8, 1997

CBI-Kansas, Inc., Kansas City, Missouri, for prior
approval to merge with CNB Bancorp, Inc.,
Independence, Kansas, and thereby indirectly acquire
Citizens National Bank, Independence, Kansas.

August 8, 1997

SECTION m - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

None.

SECTION IV APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER wLtJV£ E

ORNEW
SPAPER
APPLICATION
Rawlins Bancshares, Inc., Atwood, Kansas, for prior
approval to redeem 58 shares of its own voting
common stock.




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 moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs
An institution in this group has a satisfactory record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and 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.

Exam Date

CRA Public
Date

Premier Bank
36858
15301 West 87th Street Parkway
Lenexa, Kansas 66219

4-28-97

7-17-97

Satisfactory

The Farmers Bank of
742355
Lincoln
P.O. Box 250
Lincoln, Missouri 75338-0250

4-21-97

7-17-97

Satisfactory

Bank/Location

RSSD#

'"Application is subject to CRA.




CRA
Rating

District 11
Federal Reserve Bank of Dallas
A pplications and N otifications F iled D uring die W eek o f July 14, 1997

Section I - Applications subject to newspaper notice only
Type

Application

Comment period
ending date

None.
* Subject to CRA.
** Comment period ending date is the date specified in the newspaper only.
N /A - Not available at this time.

Section II - Applications subject to both newspaper and Federal Register notice
Type

Application

Comment period
ending date

Change in Control West U . Limited, Bradley F. Bracewell, Jr., General
Notice
Partner, Houston, TX, only notificant, to acquire an
interest in First University Corporation, Houston, TX

N /A

Change in Control Gordon M . Hatch, Portales, NM , only notificant,
Notice
to acquire an interest in Portales National Bancshares, Inc.,
Portales, NM

N /A

♦Section 3(a)(3)

♦** 7/08/09
9

Chaparral Bancshares, Inc., Richardson, TX, and
Chaparral Delaware Bancshares, Inc., Dover, DE,
to acquire Van Alstyne Financial Corporation,
Van Alstyne, TX, and First National Bank o f Van Alstyne,
Van Alstyne, TX

* Subject to CRA.
** Comment period ending date is the date specified in the newspaper only.
N /A - Not available at this time.




Federal Reserve Bank of Dallas
Section III - Applications subject to Federal Register notice only
Type

Application

Comment period
ending date

None.
*

Subject to CRA.

Section IV - Applications not subject to Federal Register or newspaper notice
Type
None.




Application

Comment period
ending date

Federal Reserve Bank of Dallas
Section V - Publicly available CRA evaluations
Description of the CRA goal against which institutions are evaluated, the four performance levels, and the
institutions for which an evaluation is publicly available.
The CRA requires a periodic evaluation o f each covered institution regarding the extent to which is has
ascertained, and helped 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.
The federal bank regulators use the following four performance levels to rate an institution's performance
under CRA:

Outstanding
Satisfactory
Needs to improve
Substantial noncompliance
RSSD
number

Examination
date

Institution/Location

CRA
public date

CRA
rating

None.

Section VI - CRA examinations scheduled
Institution

Quarter of
Location

*N/A *
* The examination schedule for the fourth quarter o f 1997 w ill be published on August 16, 1997.




FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 7/18/97
Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

The Bank of Casa Grande Valley, Casa Grande,
Arizona, establish a branch office at 161 East Oak
Street, Globe, Arizona. *

Newspaper:

8/09/97

Newspaper:

Not available

Fed. Reg.:

8/05/97

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Robert Wayne St. Yves, Prineville, Oregon, to
increase his ownership up to 10.99 percent of
Prineville Bancorporaiton, Prineville, Oregon. *
Richard A. Lagomarsino, Robert J. Lagomarsino,
and Catherine A. Wood, Ventura, California, to
retain owership of 19.06 percent of Americorp,
Ventura, California. *

Newspaper:

Not available

Fed. Reg.:

Section III -Applications Subject to Federal Register Only
None

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

* Subject to CRA.



8/06/97

FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 7/18/97
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during this week. Information
about a particular institution's CRA evaluation may be obtained directly from the institution.
institution

Location

Examination Date

Rating*

None

*Under die 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 moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

Substantial Nonenmpliance 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 moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

The above listing has been prepared as a courtesy by the Federal Reserve Bank of San Francisco, and
is not intended to replace formal notices required by statute or regulation; the Reserve Bank assumes no
responsibility for errors or omissions.



H.2A
N t c ofFormations and Mergers o,and A q i i i n b ,Bank Holding
oie
f
custos y
Companies; Change i Bank Control
n
Notices Filed as of July 18,1997
The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act of
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j», Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board of Governors, no
later than the end of the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end of this release.
The public portions of the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;
addresses are listed at the end of this release. Applications and notices also may be obtained from the
Board.
Applicant o r notificant

Acquiree o r activity

ABC Bancorp, Moultrie,
GA

Irwin Bankcorp, Inc.,
Ocilla, GA and Bank of
Ocilla, Ocilla, GA

3

Atlanta

July 18,1997

Altus NBC Corporation,
Inc., Oklahoma City,
OK

NBC Corporation, Inc.,
Oklahoma City, OK, and
NBC Technologies, Inc.,
Oklahoma City, OK
providing data
processing services (b)(14)

4

Kansas City

June 25,1997

AMFED Financial, Inc.,
Minneapolis, MN

Norwest Bank Nevada,
National Association, Las
Vegas, NV

3

Minneapolis

July 14,1997




Section of law

Reserve Bank

End of comment period

A p i a to n t f c n
p l c n r oiiat

Acquireeo a t v t
r ciiy

Area Bancshares
Corporation(l),
Owensboro, KY
CONTINUED

Cardinal Bancshares, Inc.,
Lexington, KY, & The Vine
Street Trust Company,
Lexington, KY, and First &
Peoples Bank, Springfield,
KY, and HNB Bank
National Associaton,
Harlan, KY, and Jefferson
Banking Company,
Louisville, KY,
CONTINUED

3 and 4

St. Louis

July 21,1997

Area Bancshares
Corporation^),
Owensboro, KY
CONTINUED

and Alliance Bank, FSB,
Somerset, KY, and
operation of a federal
savings bank (b)(4), and
Cardinal Data Services
Corporation, Lexington,
KY, and data processing
activities (b)( 14)

3 and 4

St. Louis

July 21,1997

Area Bancshares
Corporation,
Owensboro, KY
CORRECTION

Mutual Service
Corporation, Somerset,
KY riskless principal
transactions (b)(7)

4

St. Louis

July 21, 1997

Arrendale, Thomas A.,
Ill, Gainesville, GA,
Bussey, Cynthia A.,
Atlanta, GA, and
Arrendale, Nelle,
Clarkesville, GA, as
partners in the
Arrendale Undiversified
Family Limited
Partnership,
Baldwin, GA

Habersham Bancorp,
Cornelia, GA, and
Habersham Bank,
Clarkesville, GA

CIBC

Atlanta

June 5, 1997

Associated BancCorp(l), Green Bay, WI
CONTINUED

First Financial Corporation,
Stevens Point, WI,
and First Financial Bank,
FSB, Stevens Point, WI
owning and operating a
savings and loan
association (b)(4);
Appraisal Services, Inc.,
Milwaukee, WI performing
appraisals of real estate &
CONTINUED

4

Chicago

August 15, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Associated BancCorp(2), Green Bay, WI
CONTINUED

tangible personal property
(b)(2); & First Financial
Card Services Bank, N.A.,
Stevens Point, WI operating
a
credit card bank (bXl) and
(2)

4

Chicago

August 15,1997

Associated Banc-Corp,
Green Bay, WI

First Financial Corporation,
Stevens Point, WI,
and First Financial Bank,
FSB, Stevens
Point, WI owning &
operating a
savings and loan
association (b)(4)

4

Chicago

August 5,1997

Banco Bilbao Vizcaya,
S.A.,
Bilbao, Spain

BBV Latlnvest Securities
Inc.,
New York, NY,
securities activities (b)(1),
(bX4),(bX15),and(bX16)

4

New York

March 4,1997

Bank of Elmwood
Employee Stock
Ownership Plan and
Trust, Racine, WI

Elmwood Financial
Corporation, Racine, WI,
and Bank of Elmwood,
Racine, WI

3

Chicago

August 4,1997

Bank of Idaho Holding
Company,
Idaho Falls, ID

Bank of Eastern Idaho,
Idaho Falls, ID

3

San Francisco

June 9,1997

Bank of New York
Company, Inc.,
New York, NY

State Street Boston
Corporation,
Boston, MA;
State Street Bank and Trust
Company,
Boston, MA
trust, securities and data
processing activities (bX3),
(bX4),and(bX7)

3 and 4

New York

March 14,1997

Banterra Corp,
Eldorado, IL

1st Bancorp Vienna, Inc.,
Vienna,
IL, First State Bank of
Vienna, Vienna, EL

3

St. Louis

July 18,1997




S c i no law ReserveBank
eto f

End ofcomment p r o
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Barnett Banks, Inc.,
Jacksonville, FL

First of America BankFlorida, FSB, Tampa, FL
owning, controlling &
operating a savings
association (bX4)

4

Atlanta

August 15,1997

BB&T Corporation,
Winston-Salem, NC

Virginia First Financial
Corporation, Petersburg,
VA, and Virginia Savings
Bank, F.S.B., Petersburg,
VA mortgage banking &
operating a savings & loan
association (bXl) and (4)

4

Richmond

August 18,1997

Biggs, Daniel Biggs;
Grimes, Merlin; ED&J,
Inc., c/o David Marmie;
Carr, Ronald and Call,
Dennis; and Southard,
R. Joe, all of Great
Bend, KS

First Wakeeney Agency,
Inc., Wakeeney, KS, and
Interstate Bank, Great
Bend, KS

CIBC

Kansas City

July 3,1997

Bryan Family
Management Trust,
Bryan, TX, and BryanHeritage Limited
Partnership, Bryan, TX

Bryan-Heritage Limited
Partnership, Bryan, TX, and
The First National Bank of
Bryan, Bryan, TX

3

Dallas

July 21,1997

Bryan, James Hugh,
Jasper, GA

JBC Bancshares, Inc.,
Jasper, GA, and
Jasper Banking Company,
Jasper, GA

CIBC

Atlanta

July 10,1997

Cabot Bankshares, Inc.,
Cabot, AR

The Capital Bank, Little
Rock, AR

3

St. Louis

August 11, 1997

Cabot Bankshares, Inc.,
Cabot, AR

The Capital Bank, Cabot,
AR

3

St. Louis

July 11, 1997

Cabot Bankshares, Inc.,
Cabot, AR
CORRECTION

The Capital Bank, Little
Rock, AR

3

St. Louis

July 11, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Caisse Nationale de
Credit Agricole Paris,
France

Credit Agricole Indosuez,
Paris, France, and Indosuez
Investment Management
Services, Inc.,
Menlo Park, CA investment
management and advisory
services (b)(6)

4

Chicago

July 25, 1997

Central Illinois Bancorp,
Sidney, IL

First Ozaukee Capital
Corporation,
Cedarburg, WI, and
First Ozaukee Savings
Bank,
Cedarburg, WI

3

Chicago

June 26,1997

Century Acquisition
Corporation, Hurst, TX

Century Capital Financial,
Inc., Kilgore, TX,
and Century Capital
Financial, Inc.,
Kilgore, TX, and City
National Bank, Kilgore, TX

3

Kansas City

July 21,1997

Century Bancorp, MHC,
Bridgeton, NJ;
and Century Bancorp,
Inc.,
Bridgeton, NJ

Century Savings Bank,
Bridgeton, NJ

3

Philadelphia

May 1,1997

Century South Banks,
Inc., Dahlonega, GA

Bank Corporation of
Georgia, Macon, GA, and
First South Banks, N.A.,
Macon,
GA, and AmeriBank, N.A.,
Savannah, GA

3

Atlanta

July 18,1997

Chaparral Bancshares,
Inc., Richardson, TX,
and
Chaparral Delaware
Bancshares, Inc., Dover,
DE

Van Alstyne Financial
Corporation, Van Alstyne,
TX, and First National
Bank of Van Alstyne, Van
Alstyne, TX

3

Dallas

August 8, 1997

Citizens Bancshares
Company, Chillicothe,
MO

John Birchfield and Debbie
Keele, the purchase and
servicing of
accounts receivable (b)(1)

4

Kansas City

July 30, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oilat

Acquireeo a t v t
r ciiy

Citizens National
Corporation, Paintsville,
KY

Josephine Bancshares, Inc.,
Prestonburg, KY, and The
Bank Josephine,
Prestonburg, KY

3

Cleveland

July 28, 1997

Comerzbank AG,
Frankfurt am Main,
Germany

CAM Acquisition, LLC,
Wilmington, DE
Montgomery Asset
Mangement, L.P.,
Montgomery Services,
LLC,
all of San Francisco, CA,
securities activities (b)(7)(i)
and (iii); financial &
Investment advisory
services (b)(6);
administrative services

4

New York

May 14,1997

Commerce Bancshares,
Inc., Kansas City, MO,
and CBI-Kansas Inc.,
Kansas City, MO

CNB Bancorp, Inc.,
Independence,
KS, and Citizens National
Bank,
Independence, KS

3

Kansas City

August 8, 1997

Commercial
Bancshares, Inc.,
Texarkana, AR

Citizens State
Bank, Hempstead, TX

3

St. Louis

July 29, 1997

Community Bancshares,
Inc., Butler, MO

Citizens Bank, Appleton
City, MO

3

Kansas City

July 31,1997

Community Bancshares,
Inc., Denver, CO

Upper Rio Grande Bank
Corporation, Del Norte,
CO, and Rio Grande
County Bank, Del Norte,
CO

3

Kansas City

July 28,1997

Community National
Bancorporation,
Waterloo, IA

Community National Bank
(in organization),
Waterloo, IA

3

Chicago

July 29,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat
Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A., Rabobank
Nederland, Utrecht,
Netherlands; and
Smith Graham & Co.
Asset Managers L.P.,
Houston, TX

Acquireeora t v t
ciiy
Financial advisor (bXl) &

S c i no law ReserveBank
eto f

End o comment p r o
f
eid

4

New York

June 17,1997

()
2

Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A.(1), Rabobank
Nederland, Utrecht, The
Netherlands
CONTINUED

Smith Graham & Co. Asset
Managers L.P., Houston,
TX,&SGR Global
Advisers, Houston, TX, &
Robeco Institutional Asset
Management US, Inc.,
Houston, TX, & AEA
Global Advisors LLC, New
York, NY, & Robeco
Group, N.V., Rotterdam
CONTINUED

4

New York

July 10,1997

Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A.(2), Rabobank
Nederland, Utrecht, The
Netherlands
CONTINUED

Smith Graham & Co. Asset
Managers L.P., and SGR
Global Advisors, and
Robeco Institutional Asset
Management US, Inc., and
AEA Global Advisors,
LLC, and Smith Graham &
Co. Asset Managers L.P.,
and SGR Global Advisers,
CONTINUED

4

New York

July 10, 1997

Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A.(3), Rabobank
Nederland, Utrecht, the
Netherlands
CONTINUED

Robeco Institutional Asset
Management US, Inc., and
AEA Global Advisors LLC,
in investment (bX6), as a
general partner to and
providing administrative
services to investment
partnerships, including
placing interests in such
partnerships, CONTINUED

4

New York

July 10, 1997

Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A.(4), Rabobank
Nederland, Utrecht, the
Netherlands
CONTINUED

in acting as a commodity
pool operator, and in
providing administrative
services to open-end
investment companies

4

New York

July 10,1997




A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

CoreStates Financial
Corp., Philadelphia, PA

CoreStates Securities Corp.,
Philadelphia, PA,
underwriting; lending
(b)(1); investment advice
(bX6); and management
consulting (b)(9)

4

Philadelphia

June 27, 1997

Corley, John William,
(1)
Monticello, IL
CONTINUED

First State Bancorp of
Monticello, Inc.,
Monticello, IL
State Bank of Hammond,
Hammond, IL; First State
Bank of Monticello,
Monticello, IL; First State
Bank of Bloomington,
Bloomington, IL; First State
Bank of Heyworth,
Heyworth, IL;
CONTINUED

croc

Chicago

May 16, 1997

Corley, John William,
(2)
Monticelli, IL
CONTINUED

First State Bank of Atwood,
Atwood, IL

CIBC

Chicago

May 16, 1997

Cox, Walter L., Sr.,
Naples, TX

Morris County Bankshares,
Incorporated,
Naples, TX;
Morris County National
Bank,
Naples, TX

CIBC

Dallas

April 30, 1997

Crestar Financial
Corporation, Richmond,
VA

American National
Bancorp, Inc., Baltimore,
MD,
and American National
Savings Bank,
F.S.B., Baltimore, MD
operating a
savings and loan
association (b)(4)

4

Richmond

August 15, 1997

Cross County Bank
Employee Stock
Ownership Plan,
Wynne, AR

Cross County Bancshares,
Inc., Wynne, AR, and
Cross County Bank,
Wynne, AR

CIBC

St. Louis

August 4, 1997




S c i noflaw ReserveBank
eto

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeo a t v t
r ciiy

Davis Bancorporation,
Inc., Davis, OK; First
Centralia Bancshares,
Inc.,
Centralia, KS; Morrill
Bancshares,
Inc., Sabetha, KS; and
Onaga
Bancshares, Inc.,
Overland Park, KS

Century Acquisition
Corporation,
Hurst, TX, and City
National Bank,
Kilgore, TX

3

Kansas City

July 21, 1997

Dean Financial
Services, Inc., St. Paul,
MN

The First National
Corporation of Aitkin, Inc.,
& The First National Bank
of Aitkin, Aitkin, MN; MidContinent Financial
Services, Inc.,
Bloomington, MN, & State
Bank of Edgerton,
Edgerton, MN; & The First
State Bank of Eden Prairie,
Eden Prairie, MN

3

Minneapolis

August 15, 1997

Deposit Guaranty Corp.,
Jackson, MS

CSF Acquisition Corp.,
Jackson,
MS; CitiSave Financial
Corporation, Baton
Rouge, LA; Citizens
Savings Association, F.A.,
Baton Rouge, LA operating
a savings association (b)(4)

4

Atlanta

July 3, 1997

Deutsche Bank, AG
(Main)
Federal Republic of
Germany

Ganis Credit Corporation,
Newport Beach, CA,
lending (b)(1)

4

New York

May 12, 1997

ECSB Holding
Company, Inc.,
Fort Walton Beach, FL

American National
Financial Corporation,
Panama City, FL and
First National Bank
Northwest Florida,
Panama City, FL

3

Atlanta

June 27,1997

Edison Bancshares, Fort
Myers, FL

Edison
National Bank (in
organization), Fort Myers,
FL

3

Atlanta

August 1, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeo a t v t
r ciiy

Eggemeyer Advisory
Corp., San Diego, CA,
and Castle Creek
Capital, L.L.C., San
Diego, CA, Castle Creek
Capital Partners Fund I, L.P., San Diego, CA,
and Western Bancorp,
Laguna Niguel, CA.

SC Bancorp, Anaheim, CA,
and Southern California
Bank, Anaheim, CA

3

Enterbank Holdings,
Inc., Clayton, MO

City Bancorp,
Springfield, MO, and THE
BANK (a
proposed de novo bank),
Springfield, MO

3

St. Louis

July 14, 1997

Estrin Associates,
L.L.C. and Estrin
Family Limited
Partnership, Bethesda,
MD

Estrin Associates, L.L.C. &
Estrin Family Limited
Partnership T l, Bethesda,
MD

CIBC

Richmond

July 15,1997

F.N.B. Corporation,
Hermitage, PA

Sun Bancorp, Inc.,
Selinsgrove, PA & Sun
Bank, Selinsgrove, PA, &
Pennsylvania Sun Life
Insurance Company,
Phoenix, AZ providing
credit life &
disability insurance
exclusively to customers of
Sun Bank, Sun Bancorp,
Inc.'s bank subsidiary
(b)(l 1)

3 and 4

Cleveland

August 7,1997

FBA Bancorp, Inc.,
Chicago, IL

Interim First Bank, S.B.,
Chicago, IL, a de
novo bank,
First Bank of the Americas,
SSB,
Chicago, IL

3

Chicago

June 12, 1997




S c i no law R serveBank
eto f
e
San Francisco

End o comment p r o
f
eid
July 21, 1997

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Ferguson, Roy, Tulsa,
OK; Leonard, Michael
5., Muskogee, OK,
directly
and indirectly; and
Jackson, Beverly Carter,
Q-TIP Trust, and
Leonard, Michael
5.,Trustee, both of
Stigler, OK

Stigler Bancorporation, Inc.,
Stigler, OK, and First
National
Bank of Stigler, Stigler, OK

CIBC

Kansas City

July 2, 1997

Fifth Third Bancorp,
Cincinnati, OH

Suburban Bancorporation,
Inc.,
Cincinnati, OH,
Suburban Federal Savings
Bank,
Cincinnati, OH

4

Cleveland

May 27,1997

First Chicago NBD
Corporation, Chicago, IL

First Chicago Capital
Markets, Inc., Chicago,
IL, underwriting & dealing
in to a
limited extent, equity
securities

4

Chicago

June 30,1997

First Eldorado
Bancshares, Inc.,
Eldorado,
IL

Dana Bancorp, Inc., Dana,
IN, and First National Bank
of Dana, Dana, IN

3

St. Louis

July 10,1997

First Fairland
Banshares, Inc.,
Fairland, OK

Fairland Holding Company,
Inc., Neosho,
MO

3

Kansas City

August 1, 1997

First Marshall
Bancshares, Inc.,
Marshall, TX,
and First Marshall
Delaware Bancshares,
Inc., Dover, DE

First Marshall Corporation,
Marshall, TX, and
East Texas National Bank
of Marshall,
Marshall, TX

3

Dallas

July 11, 1997

First Midwest Bancorp,
Inc., Itasca, IL

SparBank, Incorporated,
McHenry, IL, and McHenry
State Bank, McHenry, IL

3

Chicago

July 21, 1997




S c i no law ReserveBank
eto f

End ofcomment p r o
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

First National
Bancshares of Gallatin,
Inc.,
Gallatin, MO

Interim First National Bank
of Gallatin,
Gallatin, MO,
First National Bank of
Gallatin,
Gallatin, MO

3

Kansas City

June 27, 1997

First National
Bancshares, Inc., East
Lansing, MI

Finance Company of North
America, LLC, East
Lansing, MI in making and
servicing loans (b)(1)

4

Chicago

August 17, 1997

First National Bank of
Julesburg and South
Platte Bancorp, ESOP,
Julesberg, CO

South Platte Bancorp,
Julesburg, CO

3

Kansas City

July 21, 1997

First National Bank
Shares, LTD., Great
Bend,
KS

BankWest (a
de novo bank), Castle Rock,
CO

3

Kansas City

July 25, 1997

First State Bancshares,
Inc., Farmington, MO

Perry County Financial
Corporation, Perryville,
MO, and
Perry County Savings
Bank, FSB,
Perryville, MO operating a
savings
association (b)(4)

4

St. Louis

August 1,1997

First State Bancshares,
Inc., Ida Grove, IA

First State Bank, Ida Grove,
IA

3

Chicago

August 15, 1997

Florida Bancshares, Inc.,
Dade City, FL

First National Bank of
Pasco,
Dade City, FL

3

Atlanta

April 21, 1997

Gideon Bancshares
Company,
Dexter, MO

First Midwest Bank of
Chaffee,
Chaffee, MO

3

St. Louis

June 20, 1997

Greenblatt, Leon A., Ill,
and Chiplease, Inc.,
both of Chicago, IL

Home Financial Bancorp,
Spencer, IN, and Owen
Community Bank, S.B.,
Spencer, IN

CIBC

Chicago

July 9, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeo a t v t
r ciiy

Greer, Elmo,
East Bemstadt, KY

Cumberland Valley
Financial Company,
London, KY

CIBC

Cleveland

May 23, 1997

Harris Financial MHC,
Harrisburg, PA

Harris Financial Inc.,
Harrisburg, PA;
Harris Savings Bank,
Harrisburg, PA

3

Philadelphia

March 27, 1997

Hibernia Corporation,
New Orleans, LA

Unicorp Bancshares-Texas
Inc., Orange, TX, and
OrangeBank, Orange, TX

3

Atlanta

August 11, 1997

Hibernia Corporation,
New Orleans, LA

Executive Bancshares, Inc.,
Paris, TX, and First
National Bank of Paris,
Paris, TX, and Collin
County National Bank,
McKinney, TX

3

Atlanta

June 14, 1997

Hometown Independent
Bancorp, Inc., Morton,
IL

Morton Community Bank,
Morton,
IL

3

Chicago

August 15, 1997

Horizon Bancorp, Inc.,
Beckley, WV

Beckley Bancorp, Inc.,
Beckley, WV, and
Beckley Federal Savings
Bank, Beckley,
WV operating a savings and
loan
association (b)(4)

4

Richmond

August 14, 1997

Huntington Bancshares
Incorporated(l),
Columbus, OH
CONTINUED

First Michigan
Bancorporation, and
Superior Financial Corp.,
Holland, MI; FMB-Sault
Bank, Saulte Ste. Marie, MI;
FMB-First Michigan Bank,
Zeeland, MI; FMB-First
Michigan
Bank, Grand Rapids, MI;
FMB-Lumberman's Bank,
Muskegon, MI;
CONTINUED

3 and 4

Cleveland

July 18, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oilat

Acquireeo a t v t
r ciiy

Huntington Bancshares
Incorporated(2),
Columbus, OH
CONTINUED

FMB-Northwestem Bank,
Boyne City, MI; FMB-State
Savings Bank, Lowell, MI;
FMB-Commercial Bank,
Greenville, MI; FMBSecurity Bank, Manistee,
MI; FMB-Community
Bank, Dowagiac, MI; FMBOceana Bank, Hart, MI;
CONTINUED

3 and 4

Cleveland

July 18, 1997

Huntington Bancshares
Incorporated(3),
Columbus, OH
CONTINUED

FMB-Reed City Bank, Reed
City, MI; FMB-Maynard
Allen Bank, Portland, MI;
FMB-OId State Bank,
Fremont, MI; FMB-Arcadia
Bank, Kalamazoo, MI; and
FMB-Trust, Holland, MI
trust company activities
(b)(5); FMB-Brokerage
Services, Inc., Holland, MI
CONTINUED

3 and 4

Cleveland

July 18, 1997

Huntington Bancshares
Incorporated(4),
Columbus, OH
CONTINUED

customer investments
(b)(7); and First Michigan
Life Insurance Co.,
Holland, MI insurance
agency underwriting
(b)(ll);

3 and 4

Cleveland

July 18, 1997

Huntington Bancshares,
Inc.(A), Columbus, OH,
Huntington Capital
Corp.,
Columbus, OH
CONTINUED

underwriting & dealing to a
limited extent in all types of
debt securities, including
corporate debt, sovereign
debt securities, mortgage
revenue bonds, mortgagebacked and consumerreceivable securities J.P.
Morgan & Co.
CONTINUED

4

Cleveland

June 17, 1997

Huntington Bancshares,
Inc.(B),
Columbus, OH
CONTINUED

The Chase Manhattan
Corp., Bankers Trust New
York Corp., Citicorp and
Security Pacific Corp. (75.
Fed. Res. Bull. 192 (1989)
CONTINUED

4

Cleveland

June 17, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Industrial Bank of
Japan, Ltd.,
Tokyo, Japan

Aubrey G. Lanston & Co.,
Inc.,
New York, NY, securities
activities (b)(7); data
processing (b)(14);
financial & investment
activities (b)(6); and
underwriting (b)(8)

4

New York

May 12,1997

Intra Financial
Corporation,
Clyde, KS

Peoples Bancorp of
Belleville, Inc.,
Belleville, KS, and
Peoples Bank of Belleville,
Belleville, KS

3

Kansas City

June 20,1997

J&L Holdings Limited
Partnership, and
Plainview
Holding Company, both
of Pilger, NE

American National
Creighton
Company, Creighton, NE

3

Kansas City

July 18, 1997

Jackson Boulevard
Fund, Ltd., Chicago, IL

Damen Financial
Corporation, Schaumburg,
IL, Damen National Bank,
Schaumburg, IL

CIBC

Chicago

August 1, 1997

Kazi, Zubair and Khatija,
Studio City, CA;
and Abdul-Rahman,
Yahia and Magda,
Pasadena, CA

Greater Pacific Bancshares,
Whittier, CA;
Bank of Whittier, N.A.,
Whittier, CA

CIBC

San Francisco

May 5, 1997

Kazi, Zubair and Khatija,
Studio City, CA;
and Yahia and Magda
Abdul-Rahman,
Pasadena, CA

Kentucky Home Bank,
Bardstown, KY

3

San Francisco

April 17,1997

KeyCorp(l), Cleveland,
OH
CONTINUED

Key Capital Markets, Inc.,
Cleveland, OH underwriting
& dealing in all types of
debt and equity securities
(other
than ownership interests in
open-end investment
companies) J.P. Moran &
Co., Inc., The Chase
Manhattan Corp.,
CONTINUED

4

Cleveland

August 1, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeo a t v t
r ciiy

KeyCorp(2), Cleveland,
OH
CONTINUED

Bankers Trust New York
Corp., Citicorp and Security
Pacific Corp., 75 Fed. Res.
Bull. 192 (1989); providing
certain financial &
investment advisory
services, providing certain
agency transactional
services for customer
investments
CONTINUED

4

Cleveland

August 1, 1997

KeyCorp(3), Cleveland,
OH

& engaging in certain
investment transactions &
principal (b)(6), (7) & (8)

4

Cleveland

August 1, 1997

Keystone Financial,
Inc., Harrisburg, PA

MMC & P, Inc., Pittsburgh,
PA employee benfits
consulting services (b)(9)

4

Philadelphia

July 29, 1997

Lagomarsino, Richard
A, and Robert J.,
both of Ventura, CA, &
Wood, Catherine S.,
Carpinteria,
CA; acting in concert

Americorp, Ventura, CA,
and American Commercial
Bank, Ventura, CA

CIBC

San Francisco

August 6, 1997

Lashute, Ronald J.,
Opelousas, LA

American Bancorp, Inc.,
Opelousas, LA
and American Bank &
Trust Company,
Opelousas, LA

CIBC

Atlanta

May 23,1997

Leake Family
Partnership, L.P.,
Jackson,
MS

Citizens Capital
Corporation, Magee, MS,
and
Citizens State Bank, Magee,
MS

CIBC

Atlanta

July 23,1997

Lexington B & L
Financial Corp.,
Lexington,
MO

Lafayette Bancshares, Inc.,
Lexington, MO, and
Lafayette
County Bank of
Lexington/Wellington,
Lexington, MO; and B & L
Bank, Lexington, MO
operating a savings
association (b)(4)

3 and 4

Kansas City

August 4, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

Applicant orn t f c n
oiiat

Acquireeo a t v t
r ciiy

Lloyds TSB Group
PLC, and Lloyds Bank
PLC,
both of London, England

IAI Holdings Inc.,
Investment Advisers, Inc.,
Minneapolis, MN, trust
services (b)(3); investment
advisory services (b)(4);
full-service brokerage
(b)(15); foreign exchange
execution & advisory
services, and other advisory
& administrative services

4

New York

March 26,1997

Maries County Bancorp,
Inc., Vienna, MO

Progress Bancshares, Inc.,
Sullivan, MO, and Progress
Bank of Sullivan, Sullivan,
MO, a de novo bank

3

St. Louis

August 15, 1997

Marshall & Ilsey
Corporation,
Milwaukee, WI

Security Capital
Corporation,
Milwaukee, WI,
Security Bank, S.S.B.,
Milwaukee, WI

3

Chicago

May 5,1997

Maypearl Bancshares,
Inc., Maypearl, TX, and
Maypearl Holdings,
Inc., Wilmington, DE

First State Bank, Maypearl,
TX

3

Dallas

August 7, 1997

McGlasson, Harold
Edwin, McGlasson,
Karen Jane Veilon,
and Voorhies & Labbe
Profit Sharing Plan, all
of Lafayette,
LA

Tri-Parish Bancshares, Ltd.,
Eunice, LA, and Tri-Parish
Bank, Eunice, LA

CIBC

Atlanta

August 1,1997

Middleburg Bancorp,
Inc., Middleburg, KY

Lincoln Federal Savings
Bank, Liberty, KY in the
operation of a federal
savings bank (bX4)

4

St. Louis

July 24,1997

Moody Bancshares,
Inc., Galveston, TX, and
Moody Bank Holding
Company, Reno, NV

The Bank of Galveston,
N.A.,
Galveston, TX

3

Dallas

June 30, 1997

Moyer, George H., Jr.,
Madison, NE, and
Moyer, Jon M.,
Madison, NE

Madison Bancshares, Inc.,
Madison, NE, and The
Bank of Madison, Madison,
NE

CIBC

Kansas City

June 26, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeora t v t
ciiy

Murfreesboro Bancorp,
Inc., Murfreesboro, TN

Bank of Murfreesboro,
Murfreesboro, TN

3

Atlanta

July 18, 1997

National City
Bancshares, Inc.,
Evansville, IN

Bridgeport Bancorp, Inc.,
Bridgeport, IL, and First
National Bank of
Bridgeport, Bridgeport, IL

3

St. Louis

June 6,1997

NationsBank
Corporation 1),
Charlotte, NC
CONTINUED

Montgomery Securities,
Inc., & The Pyramid
Company,
San Francisco, CA
underwriting &
dealing in, to a limited
extent, all types of debt &
equity
securities other than
interests in open end
investment companies
CONTINUED

4

Richmond

August 6, 1997

S c i no law ReserveBank
eto f

End o comment p r o
f
eid

%

NationsBank
Corporation^),
Charlotte, NC
CONTINUED

(See J.P. Morgan & Co.,
Inc., The Chase Manhattan
Corp.,
Bankers Trust New York
Corp., Citicorp, & Security
Pacific
Corp., 75 Fed. Res. Bull.
192(1989)); in
underwriting & dealing in
obligations of the United
States, general
CONTINUED

4

Richmond

August 6, 1997

NationsBank
Corporation^),
Charlotte, NC
CONTINUED

of states and their political
subdivisions, and other
obligations that state
member banks of the
Federal Reserve System
may be authorized to
underwrite and deal in
under 12 U.S.C. 24 & 335
(b)(8); in acting as
investment or
CONTINUED

4

Richmond

August 6, 1997




A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

NationsBank
Corporation^),
Charlotte, NC
CONTINUED

financial advisor (bX6); in
providing securities
brokerage
services (including
securities clearing &
securities execution
services on an exchange),
alone & in combination with
investment advisory
services, & incidental
activities
CONTINUED

NationsBank
Corporation^),
Charlotte, NC
CONTINUED

(including related securities
credit activities & custodial
services) (bX7); in buying
& selling in the secondary
market all types of
securities on the order of
customers as a riskless
principal to
CONTINUED

NationsBank
Corporation^),
Charlotte, NC
CONTINUED

the extent of engaging in a
transaction in which the
company, after receiving an
order to buy (or sell) a
security from a customer,
purchases (or sells) the
security for its own account
to offset a contemporaneous
sale to (or purchase
CONTINUED

NationsBank
Corporation^),
Charlotte, NC
CONTINUED

from) the customer (b)(7);
in acting as agent for the
private placement of
securities (bX7)

New Prague
Bancshares, Inc., New
Prague, MN
Northway Financial,
Inc., Berlin, NH




S c i no law ReserveBank
eto f
4

End ofcomment p r o
eid

Richmond

August 6,1997

4

Richmond

August 6, 1997

4

Richmond

August 6, 1997

4

Richmond

August 6, 1997

Community Security Bank,
New Prague, MN,
a de novo bank

3

Minneapolis

July 7, 1997

The Berlin City Bank,
Berlin, NH, and
Pemi Bancorp, Inc.,
Plymouth,
NH, and Pemigewasset
National Bank of Plymouth,
Plymouth, NH

3

Boston

July 17, 1997

A p i a to n t f c n
p l c n r oiiat

Acquireeora t v t
ciiy

Northwest Suburban
Bancorp., Inc. (in
formation),
Arlington Heights, IL

Mount Prospect
National Bank (in
organization), Mount
Prospect, IL

3

Chicago

July 28, 1997

Norwest Corporation,
Minneapolis, MN

The Bank of the
Southwest, N.A., Pagosa
Springs, CO

3

Minneapolis

August 4, 1997

NSB Holding Corp.,
Staten Island, NY

Check Depot, Staten Island,
NY in check cashing, See
Midland Bank Tl, PLC, 76
Fed. Res. Bull. 869 (1990)

4

New York

August 6, 1997

NSS Bancorp, Inc.,
Norwalk, CT

Norwalk Savings Society,
Norwalk, CT

3

New York

July 21, 1997

O.A.K. Financial
Corporation, Byron
Center,
MI

Caledonia Financial
Corporation,
Caledonia, MI, & State
Bank of Caledonia,
Caledonia,
MI

3

Chicago

August 15, 1997

Otto Bremer
Foundation, St. Paul,
MN

Bremer Financial
Corporation, St. Paul,
MN, The
Halo Bancorporation, Inc.,
Devils Lake, ND, & First
National Bank of Devils
Lake, Devils
Lake, ND

3

Minneapolis

August 15, 1997

P.C.B. Bancorp, Inc.,
Largo, FL

Anchor Savings Bank,
F.S.B., St. Petersburg, FL
operating a savings
association (b)(4)

4

Atlanta

August 8, 1997

Patel, Susma; Patel,
Suketu Madhusudan
(Suku); Patel, Parimal
Kantibhai (Perry);
Amin, Bharat Muljibhai,
London, England; and
King, Dennis John
Lloyd, Surrey, England;
collectively, as the Patel
Group

First Bankshares, Inc.,
Longwood, FL, and First
National Bank of Central
Florida, Longwood, FL

CIBC

Atlanta

June 26, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeo a t v t
r ciiy

Patel, Susma;Patel
(Suku), Suketu
Madhusudan; Patel
(Perry), Parimal
Kantibhai; Amin, Bharat
Muljibhai, London,
England; and King,
Dennis John Lloyd,
Surrey, England;
collectively, as the Patel
Group

First Bankshares, Inc.,
Longwood, FL, and
First National Bank of
Central Florida, Longwood,
FI

CIBC

Atlanta

May 30, 1997

Pathfinder Bancorp,
MHC, Oswego, NY

Pathfinder Bancorp,
Oswego, NY, and Stock
Holding Company,
Oswego, NY
and Oswego City Savings
Bank, Oswego,
NY

3

New York

August 7, 1997

PBT Bancshares, Inc.,
McPherson, KS

Yoder Bankshares, Inc.,
Yoder, KS, and Farmers
State Bank,
Yoder, KS

3

Kansas City

June 6,1997

People's Community
Capital Corporation,
Aiken,
SC

People’s Community Bank
of South
Carolina, Aiken, SC

3

Richmond

August 14, 1997

Peoples Bancorp, Inc.,
Marietta, OH

Gateway Bancorp, Inc.,
Catlettsburg, KY, and
Catlettsburg Federal
Savings Bank, Catlettsburg,
KY operating a savings
association (b)(4)(ii)

4

Cleveland

August 1, 1997

Peoples Bank
Employee Stock
Ownership Trust,
Marion, KY

Peoples-Marion Bancorp,
Inc.,
Marion, KY

3

St. Louis

June 12, 1997

Peoples Community
Bancshares, Inc.,
Colquitt,
GA

Farmers Bank of Malone,
Malone, FL

3

Atlanta

August 11, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oilat

Acquireeo a t v t
r ciiy

Peoples Community
Bancshares, Inc.,
Colquitt,
GA

Farmers Bank of Malone,
Malone, FL

3

Atlanta

July 14, 1997

Peoples-Marion
Bancorp, Inc.,
Marion, KY

The Peoples Bank,
Marion, KY

3

St. Louis

June 12,1997

PHS Bancorp, M.H.C.,
Beaver Falls, PA

Peoples Home Savings
Bank,
Beaver Falls, PA

3

Cleveland

May 1,1997

Pioneer Bancshares,
Inc., Chattanooga, TN

Pioneer Bank, F.S.B.,
Chattanooga, TN operating
a savings
association (b)(4)

4

Atlanta

July 25, 1997

Pioneer Bancshares,
Inc., ESOP, Ponca City,
OK

Pioneer Bancshares, Inc.,
Ponca City, OK, and Bank
& Trust, Ponca City, OK;
Bancshares of Nichols
Hills, Inc., Oklahoma City,
OK; and Bank of Nichols
Hills, Oklahoma City, OK

3

Kansas City

July 18, 1997

Plainview Holding
Company,
Pilger, NE

American National
Creighton Co.,
Creighton, NE, and
American National Bank of
Creighton,
Creighton, NE

3

Kansas City

June 23, 1997

Planters & Merchants
Bancshares, Inc.,
Heame,
TX, & Planters &
Merchants Bancshares
of Delaware, Inc.,
Wilmington, DE

Homestead Bank, S.S.B.,
College Station, TX

3

Dallas

August 14, 1997

Porter, John D., Jr.,
Mount Hope, KS, and
Hill, Nancy L., Burrton,
KS

Mount Hope Bancshares,
Inc., Mount Hope, KS, and
First National Bank of
Mount Hope, Mount Hope,
KS

C1BC

Kansas City

July 15, 1997




S c i no law Reserve Bank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeo a t v t
r ciiy

Proffitt, Richard Todd,
Pigeon Forge, TN

Tennessee State
Bancshares, Inc., Pigeon
Forge, TN (formerly
Gatlinburg, TN), and
Tennessee State Bank,
Gatlinburg, TN

CIBC

Atlanta

August 5, 1997

Progress Bancshares,
Inc., Sullivan, MO

Progress Bank of Sullivan,
Sullivan, MO, a
de novo bank

3

St. Louis

August 8, 1997

Progressive Bancorp,
Inc., Pekin, IL

Pekin Savings Bank, S.B.,
Pekin, IL

3

Chicago

August 15, 1997

Provident Financial
Group, Inc., & FGBI
Acquisition Corp., both
of Cincinnati, OH

Florida Gulfcoast Bancorp,
Inc., Sarasota, FL, and
Enterprise National Bank of
Sarasota,
Sarasota, FL

3

Cleveland

July 24, 1997

RCB Holding Company,
Claremore, OK

Northeastern Oklahoma
Bancshares,Inc., Inola, OK,
and Bank of Inola, Inola,
OK

3

Kansas City

July 25, 1997

Remington, Thomas J.,
and S. June, both of
Lincoln,
NE, and Remingrton,
Ada E., McCook,
Nebraska

Clatonia Bancshares, Inc.,
Clatonia, NE, and
Farmers Bank of Clatonia,
Clatonia, NE

CIBC

Kansas City

July 18, 1997

Republic Bancshares,
Inc.,
St. Petersburg, FL

F.F.O. Financial Group,
Inc.,
St. Cloud, FL, and First
Federal Savings and Loan
Association of Ocelola
County, Kissimmee, FL,
operating a savings
association (b)(4)(ii)

4

Atlanta

May 23, 1997

Rossenberg, Clifford R.,
Sunset Beach, CA

Security First Bank,
Fullerton, CA

CIBC

San Francisco

May 27, 1997

Royal Bank of Canada,
Toronto, Canada

RBC Dominion Securities
Corporation, New York,
NY securities and FCM
(b)(7) & (b)(8)

4

New York

July 30,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeo a t v t
r ciiy

Santa Barbara Bancorp,
Santa Barbara, CA

Citizens State
Bank of Santa Paula, Santa
Paula, CA

3

San Francisco

July 25, 1997

Security Bancshares,
Inc.,
Scott City, KS

Intra Financial Corp., and
Exchange Bank of Clyde,
Clyde, KS; Farmers State
Bancshares
of Sabetha, Inc., Sabetha,
KS; Farmers
State Bank, Sabetha, KS;
Peoples Bancorp of
Belleville, Inc., and Peoples
Bank of
Belleville, Belleville, KS

3

Kansas City

June 20,1997

Security State
Corporation,
Centralia, WA

Security State Bank,
Centralia, WA

3

San Francisco

June 9, 1997

Sephar, David L.,
Kansas City, KS

First Community
Bancshares, Inc., Kansas
City,
KS, and First Community
Bank,
Kansas City, KS

CIBC

Kansas City

July 25, 1997

Southwestern
Bancshares, Inc.,
Oklahoma City,
OK

Southwestern Bank & Trust
Company, Oklahoma City,
OK

3

Kansas City

August 11, 1997

Spehar, David L. &
Nancy A., Kansas City,
KS

First Community
Bancshares, Inc., Kansas
City, KS, and First
Community Bank, Kansas
City, KS

CIBC

Kansas City

August 5, 1997

St. Yves, Robert W.,
Prineville, OR

Prineville Bancorporation,
Prineville, OR and
Community First Bank,
Prineville OR (formerly the
Prineville Bank)

CIBC

San Francisco

August 5, 1997

Sterling Bancshares,
Inc., Houston, TX

First Houston Bancshares,
Houston, TX, and Houston
National Bank, Houston, TX

3

Dallas

July 21, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeo a t v t
r ciiy

Stockmens Financial
Corporation, Rushville,
NE

BankWest
(a de novo bank), Castle
Rock, CO

3

Kansas City

July 25, 1997

Swiss Bank
Corporation, Basel,
Switzerland

Dillon, Read Holding, Inc.,
New York, NY, investment
advisory lending (b)(6);
futures commission
merchant (b)(7); brokerage
activities (b)(7);
underwriting

4

New York

June 27,1997

The Bank of Mulberry
Employee Stock
Ownership
Trust,
Mulberry, AR

ACME Holding
Company, Inc.,
Mulberry, AR, and
The Bank of Mulberry,
Mulberry, AR

3

St. Louis

June 23, 1997

The Commercial
Bancorp, Inc., Ormond
Beach,
FL

Commercial Bank of
Volusia
County, Ormond Beach, FL

3

Atlanta

August 15, 1997

The Union Illinois 1995
Investment Limited
Partnership, Swansea,
IL

Union Illinois Company,
Swansea, IL, and Union
Bank of Illinois, Swansea,
IL, and State Bank of
Jerseyville, Jerseyville, IL

3

St. Louis

July 7, 1997

TNB Bancorporation,
Inc., Brenham, TX, and
TNB
Bancorporation of
Delaware, Inc.,
Wilmington, DE

Texas National Bank,
Brenham, TX

3

Dallas

July 29, 1997

Triangle Bancorp, Inc.,
Raleigh, NC

Bank of Mecklenburg,
Charlotte, NC

3

Richmond

August 1, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeora t v t
ciiy

Union Planters
Corporation(l),
Memphis, TN
CONTINUED

Magna Bancorp, Inc.,
Hattiesburg, MS, &
Magnolia Federal Bank for
Savings, Hattiesburg, MS
indirectly
acquiring a federal savings
bank (b)(4); & Magna
Mortgage Co., Hattiesburg,
MS originating & servicing
mortgage loans (b)(1)
CONTINUED

4

St. Louis

August 15, 1997

Union Planters
Corporation^),
Memphis, TN
CONTINUED

& in providing real estate
appraisal & inspection
services (b)(2)

4

St. Louis

August 15, 1997

United Bankshares, Inc.,
Charleston, WV

First Patriot Bankshares
Corporation,
Reston, VA, and
Patriot National Bank,
Reston, VA

3

Richmond

June 16, 1997

United Community
Banks Inc., Blairsville,
GA

First Clayton Bancshares,
Inc., Clayton, GA, and
First Clayton Bank and
Trust Company,
Clayton, GA

3

Atlanta

August 8, 1997

Valcourt, Jeffery T.,
Arlington, VA

United Financial Banking
Companies, Inc.,
Vienna, VA, and
The Business Bank,
Vienna, VA

CIBC

Atlanta

June 5, 1997

Wachovia Corporation,
Winston-Salem, NC

Jefferson National Bank,
Charlottesville, VA and
Jefferson National Bank,
Charlottesville, VA

3

Richmond

August 18,1997

Waterman, Charles E.
Frankfort, IL

South Holland Bancorp,
Inc., South Holland, IL, and
South Holland Trust &
Savings Bank, South
Holland, IL

CIBC

Chicago

July 10, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Wenig, Fred and
Rayma, Lincoln, MO

Lincoln Bancshares, Inc.,
Lincoln,
MO, and The Fanners Bank
of
Lincoln, Lincoln, MO

CIBC

Kansas City

July 16,1997

Young, David E.,
Chattanooga, TN

East Ridge
Bancshares, Inc., East
Ridge, TN, and Bank of
East Ridge, East Ridge, TN

CIBC

Atlanta

July 22,1997

Young, Susan Aileen,
Chicago, IL

C.S.B. Co., Cozad, NE, and
Cozad State bank & Trust
Company, Cozad, NE, and
First National Bank of
Chadron, Chardron, NE

CIBC

Kansas City

August 5, 1997

Zions Bancorporation,
Salt Lake City, UT

Tri-State Bank,
Montpelier, ID

3

San Francisco

June 6,1997




S c i no law ReserveBank
eto f

End ofcomment p r o
eid

Addresses for Comments and Information Requests
Addresses for comments differ from those for information requests.

Addresses fo r Comments
Comments on the applications and notices may be sent to the appropriate Federal Reserve Bank or
the Board.
Federal Reserve Bank of Boston
Richard Walker, Community Affairs Officer, 600 Atlantic Avenue, Boston, MA
02106-2204
Federal Reserve Bank of New York
Betsy Buttrill White, Senior Vice President, 33 Liberty Street, New York, NY 10045-0001
Federal Reserve Bank of Philadelphia
Michael E. Collins, Senior Vice President, 100 North 6th Street, Philadelphia,
PA 19105-1521
Federal Reserve Bank of Cleveland
Jeffrey Hirsch, Banking Supervisor, 1455 East Sixth Street, Cleveland, OH
44101-2566
Federal Reserve Bank of Richmond
A. Linwood Gill, III, Assistant Vice President, 701 East Byrd Street, Richmond, VA 23261-4528
Federal Reserve Bank of Atlanta
Lois Berthaume, Vice President, 104 Marietta Street, N.W., Atlanta, GA
30303-2713
Federal Reserve Bank of Chicago
Philip Jackson, Applications Officer, 230 South LaSalle Street, Chicago, IL
60690-1413
Federal Reserve Bank of St. Louis
Randall C. Sumner, Vice President, 411 Locust Street, St. Louis, MO 63102-2034
Federal Reserve Bank of Minneapolis
Karen L. Grandstrand, Vice President, 250 Marquette Avenue, Minneapolis, MN 55480-2171
Federal Reserve Bank of Kansas City
D. Michael Manies, Assistant Vice President, 925 Grand Avenue, Kansas City, MO 64198-0001
Federal Reserve Bank of Dallas
Genie D. Short, Vice President, 2200 North Pearl Street, Dallas, TX 75201-2272
Federal Reserve Bank of San Francisco
Pat Marshall, Manager of Analytical Support, Consumer Regulation Group, 101 Market Street, San
Francisco, CA 94105-1579
Board of Governors of the Federal Reserve System
William W. Wiles, Secretary, 20th & Constitution Avenue, N.W., Washington, DC 20551-0001




Information Requests
The public portions of the applications and notices currently listed in this release are available on an
expedited basis from the appropriate Federal Reserve Bank. The public portion of the application also
may be obtained from the Board.
Federal Reserve Bank of Boston
Jonathan Fine (TEL: 617-973-3339; FAX: 617-973-3219)
Federal Reserve Bank of New York
Margaret Carmody (TEL: 212-720-7924; FAX: 212-720 -6628)
Federal Reserve Bank of Philadelphia
Rosanna Crosier (TEL: 215-574-6581; FAX: 215-574-4146)
Federal Reserve Bank of Cleveland
Jim Terlop (TEL: 216-579-2197; FAX: 216-579-2932)
Federal Reserve Bank of Richmond
Gaile Clark (TEL: 804-697-8825; FAX: 804-697-8283)
Federal Reserve Bank of Atlanta
Wayne Smith (TEL: 404-589-7265; FAX: 404-589-7342)
Federal Reserve Bank of Chicago
Frank Skweres (TEL: 312-322-4785; FAX: 312-322-5894)
Federal Reserve Bank of St. Louis
Cathie Windsor (TEL: 314-444-4638; FAX: 314-444-8740)
Federal Reserve Bank of Minneapolis
Paula Charles (TEL: 612-372-2982; FAX: 612-344-2702)
Federal Reserve Bank of Kansas City
Patty Biesemeyer (TEL: 816-881-2464; FAX: 816-881-2252)
Federal Reserve Bank of Dallas
Rob Jolley (TEL: 214-922-6071; FAX: 214-922-6302)
Federal Reserve Bank of San Francisco
Michael Johnson (TEL: 415-974-2995; FAX: 415-974-3031)
Board of Governors of the Federal Reserve System
Freedom of Information Office (TEL: 202-452-3684; FAX: 202-872-7562, and 202-872-7565)




H.2A
N t c o Formations and Mergers o,and A q i i i n b ,Bank Holding
oie f
f
custos y
Companies; Change i Bank Control
n
Notices Filed since the H.2A dated July 18,1997
The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act of
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j)), Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board of Governors, no
later than the end of the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end of this release.
The public portions of the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;
addresses are listed at the end of this release. Applications and notices also may be obtained from the
Board.
Applicant or notificant

Acquiree or activity

BCB Bancorp, Inc.,
Chippewa Falls, W1

Heartland Data Center, Inc.,
Cameron,. WI providing
data processing services to
local, nonaffiliated financial
institutions (b)(14)

Big Lake Financial
Corporation,
Okeechobee, FL

Reserve Bank

End of comment period

4

Minneapolis

August 11, 1997

CNB Financial Corporation,
Clewiston, FL, and
Clewiston National Bank,
Clewiston, FL

3

Atlanta

August 18, 1997

Bloomberg, John Isaac,
Park City, UT

Draper BanCorp, Draper,
UT and Draper Bank &
Trust, Draper, UT

CIBC

San Francisco

August 12, 1997

Cates, Joe Lecil and
Cates, Roger Kevin,
both of Leedy, OK

Western Oklahoma
Bancshares, Inc., Elk City,
OK, and Bank of Western
Oklahoma, Elk City, OK

CIBC

Kansas City

August 11, 1997




Section of law

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

First Financial
Caribbean Corporation,
San Juan, Puerto Rico

Doral Bank, San Juan,
Puerto Rico, and Doral
Mortgage Corporation,
Hato Rey, Puerto Rico
making, acquiring, or
servicing mortgage loans
(b)(1)

3 and 4

New York

August 18, 1997

Gold Banc Corporation,
Inc., Leawood, KS

Farmers Bancshares of
Oberlin, Inc., Oberlin, KS,
and Farmers National Bank,
Oberlin, KS

3

Kansas City

August 21, 1997

Hatch, Gordon M.,
Portales, NM

Portales National
Bancshares, Inc., Portales,
NM, and Portales National
Bank, Portales, NM

CIBC

Dallas

August 8, 1997

Jasper Banking
Company Second
Amended and Restated
Employee Stock
Ownership Stock Bonus
Plan (ESOP), Jasper, GA

JBC Bancshares, Inc.,
Jasper, GA

CIBC

Atlanta

August 12, 1997

KeyCorp(l), Cleveland,
OH
CONTINUED

Key Capital Markets, Inc.,
Cleveland, OH, in
underwriting & dealing in,
to a limited extent, all types
of debt & equity securities
(other than ownership
interests in open-end
investment companies) J.P.
Morgan & Co., Inc., et al,
CONTINUED

4

Cleveland

August 11, 1997

KeyCorp(2), Cleveland,
OH
CONTINUED

75 Fed. Res. Bull. 192
(1989); financial &
investment advisory
activities (b)(6); agency
transactional services for
customer investments
(b)(7); and investment
transactions as principal
(b)(8)

4

Cleveland

August 11, 1997

Premier Financial
Bancorp, Inc.,
Georgetown,
KY

The Sabina Bank, Sabina,
OH

3

Cleveland

August 21, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

Applicant or notificant

Acquiree or activity

Rockdale National
Bankshares, Inc.,
Conyers, GA

Rockdale National Bank,
Conyers, GA

3

Atlanta

August 22,1997

Royal Bank of Canada,
Montreal, Canada and
Stitching
Prioriteir ABN AMRO
Holding; Stichting
Administratiekantoor
ABN AMRO Holding;
ABN AMRO Holding,
N.V.; ABN AMRO
Bank, N.V.,
Amsterdam, The
Netherlands; and ABN
AMRO North America,
Inc., Chicago, IL

Integrion Financial
Network, LLC, Altanta,
GA, & acquire certain
assets & liabilites of VISA
Interactive, Inc., in data
processing & data
transmission services (bX14)

4

New York

August 11,1997

Spanjer, Leland, Cozad,
NE, in his capacity as
Personal Representative
of the Estate of Clifford
G. Young

C.S.B. Co., Cozad, NE,
Cozad State Bank & Trust
Company, Cozad, NE, and
First National Bank of
Chadron, Chadron, NE

CIBC

Kansas City

August 11, 1997

The Chase Manhattan
Corporation and Chase
Holding
Delaware Inc., New
York, NY

Chase Trust Company,
National Association, Los
Angeles, CA

3

New York

August 18,1997

West U. Limited,
Bradley F. Bracewell,
Jr., General
Partner, Houston, TX

First University
Corporation, Houston, TX,
and West University Bank,
N.A.,
Houston, TX

CIBC

Dallas

August 8,1997

Western Bank,
Albuquerque, New
Mexico ESOP & Trust,
Albuquerque, NM

Western Bancshares of
Albuquerque, Inc.,
Albuquerque, NM, and
Western Bank,
Albuquerque, NM

3

Kansas City

August 21,1997




Section of law

Reserve Bank

End of comment period

Addresses for Comments and Information Requests
Addresses for comments differ from those for information requests.

Addresses for Comments
Comments on the applications and notices may be sent to the appropriate Federal Reserve Bank or
the Board.
Federal Reserve Bank of Boston
Richard Walker, Community Affairs Officer, 600 Atlantic Avenue, Boston, MA
02106-2204
Federal Reserve Bank of New York
Betsy Buttrill White, Senior Vice President, 33 Liberty Street, New York, NY 10045-0001
Federal Reserve Bank of Philadelphia
Michael E. Collins, Senior Vice President, 100 North 6th Street, Philadelphia,
PA 19105-1521
Federal Reserve Bank of Cleveland
Jeffrey Hirsch, Banking Supervisor, 1455 East Sixth Street, Cleveland, OH
44101-2566
Federal Reserve Bank of Richmond
A. Linwood Gill, III, Assistant Vice President, 701 East Byrd Street, Richmond, VA 23261-4528
Federal Reserve Bank of Atlanta
Lois Berthaume, Vice President, 104 Marietta Street, N.W., Atlanta, GA
30303-2713
Federal Reserve Bank of Chicago
Philip Jackson, Applications Officer, 230 South LaSalle Street, Chicago, IL
60690-1413
Federal Reserve Bank of St. Louis
Randall C. Sumner, Vice President, 411 Locust Street, St. Louis, MO 63102-2034
Federal Reserve Bank of Minneapolis
Karen L. Grandstrand, Vice President, 250 Marquette Avenue, Minneapolis, MN 55480-2171
Federal Reserve Bank of Kansas City
D. Michael Manies, Assistant Vice President, 925 Grand Avenue, Kansas City, MO 64198-0001
Federal Reserve Bank of Dallas
Genie D. Short, Vice President, 2200 North Pearl Street, Dallas, TX 75201-2272
Federal Reserve Bank of San Francisco
Pat Marshall, Manager of Analytical Support, Consumer Regulation Group, 101 Market Street, San
Francisco, CA 94105-1579
Board of Governors of the Federal Reserve System
William W. Wiles, Secretary, 20th & Constitution Avenue, N.W., Washington, DC 20551-0001




Information Requests
The public portions of the applications and notices currently listed in this release are available on an
expedited basis from the appropriate Federal Reserve Bank. The public portion of the application also
may be obtained from the Board.
Federal Reserve Bank of Boston
Jonathan Fine (TEL: 617-973-3339; FAX: 617-973-3219)
Federal Reserve Bank of New York
Margaret Carmody (TEL: 212-720-7924; FAX: 212-720 -6628)
Federal Reserve Bank of Philadelphia
Rosanna Crosier (TEL: 215-574-6581; FAX: 215-574-4146)
Federal Reserve Bank of Cleveland
Jim Terlop (TEL: 216-579-2197; FAX: 216-579-2932)
Federal Reserve Bank of Richmond
Gaile Clark (TEL: 804-697-8825; FAX: 804-697-8283)
Federal Reserve Bank of Atlanta
Wayne Smith (TEL: 404-589-7265; FAX: 404-589-7342)
Federal Reserve Bank of Chicago
Frank Skweres (TEL: 312-322-4785; FAX: 312-322-5894)
Federal Reserve Bank of St. Louis
Cathie Windsor (TEL: 314-444-4638; FAX: 314-444-8740)
Federal Reserve Bank of Minneapolis
Paula Charles (TEL: 612-372-2982; FAX: 612-344-2702)
Federal Reserve Bank of Kansas City
Patty Biesemeyer (TEL: 816-881-2464; FAX: 816-881-2252)
Federal Reserve Bank of Dallas
Rob Jolley (TEL: 214-922-6071; FAX: 214-922-6302)
Federal Reserve Bank of San Francisco
Michael Johnson (TEL: 415-974-2995; FAX: 415-974-3031)
Board of Governors of the Federal Reserve System
Freedom of Information Office (TEL: 202-452-3684; FAX: 202-872-7562, and 202-872-7565)




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