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ANNOUNCEMENT BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM H.2, 1993, NO. 30 Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received During the Week Ending July 24, 1993 ACTIONS TAKEN BY THE BOARD OF GOVERNORS ENFORCEMENT Colonial Bancshares, Inc., Des Peres, Missouri, and Kenneth Davis, Kenneth Tiemeyer, David Fairchild, and John Weber, institution affiliated parties of Colonial Bancshares -- issuance of a cease and desist order. Announced, July 19, 1993. Dollar Savings and Trust Company, Youngstown, Ohio -written agreement dated June 29, 1993, with the Federal Reserve Bank of Cleveland, and the Superintendent of Banks for the State of Ohio. Announced, July 23, 1993. Dollar Savings and Trust Company, Youngstown, Ohio -issuance of a cease and desist order. Announced, July 23, 1993. First Pacific Bancorp, Inc., Beverly Hills, California -- issuance of an order of assessment of a civil money penalty against Dan S. Geiger, an institution-affiliated party. Announced, July 19, 1993. International Bancshares, Inc., Gladstone, Missouri - issuance of a cease and desist order. Announced, July 19, 1993. Ohio Bancorp, Youngstown, Ohio, and The Dollar Savings and Trust Company -- written agreement dated June 29, 1993, with the Federal Reserve Bank of Cleveland, and the Superintendent of Banks for the State of Ohio. Announced, July 23, 1993. INTERNATIONAL OPERATIONS Bank of New York, New York, New York - - t o establish a branch office in Bangkok, Thailand. Approved, July 22, 1993. REGULATIONS AND POLICIES Disaster relief -- to grant regulatory relief for disaster areas in the Midwest affected by floods. Approved, July 23, 1993. H.2 JULY 19, 1993 PAGE 2 TO JULY 23, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY ABBREVIATIONS: BS&R - Banking Supervision and Regulation; C&CA - Consumer and Community Affairs; FOMC - Federal Open Market Committee; FRBO - Federal Reserve Bank Operations; IF - International Finance; OSDM - Office of Staff Director for Management BANK BRANCHES. DOMESTIC New York Chemical Bank, New York, New York -- to establish an offsite electronic facility at 60 Broadway, Hicksville, New York. Approved, July 19, 1993. Chicago Comerica Bank, Detroit, Michigan -- to establish branches at 1400 North Woodward Avenue, Bloomfield Hills, Michigan, and 8250 Hilton Road, Brighton Township, Michigan. Approved, July 21, 1993. Richmond F St M Bank-Massanutton, Harrisonburg, Virginia -- to establish a branch at 317 North Main Street, Bridgewater, Virginia. Approved, July 23, 1993. Cleveland Fifth Third Bank, Cincinnati, Ohio --t o establish a branch at 370 James E. Bohanan Memorial Drive, Vandalia, Ohio. Approved, July 21, 1993. Chicago First of America Bank-Northern Michigan, Traverse City, Michigan -- to establish a branch at the intersection of U.S. Highway 31 and South Airport Road. Approved, July 23, 1993. Richmond George Mason Bank, Fairfax, Virginia -- to establish a branch at 4201 Wilson Boulevard, Arlington, Virginia. Approved, July 19, 1993. Cleveland Minster State Bank, Minster, Ohio -- to establish a branch at 117 West Russell Road, Sidney, Ohio. Approved, July 23, 1993. Richmond Pace American Bank, Lawrenceville, Virginia -- to establish a branch at 214 West Atlantic Street, Emporia, Virginia. Approved, July 23, 1993. H.2 JULY 19, 1993 PAGE 3 TO JULY 23, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Chicago Bluestem Financial Corp., Fairbury, Illinois -- to engage de novo in investment and financial advisory and consumer financial counseling activities through Bluestem Financial Services, Inc. Returned, July 20, 1993. Chicago Chemical Financial Corporation, Midland, Michigan -to acquire Key State Bank, Owosso, Michigan. Approved, July 21, 1993. Atlanta Colonial BancGroup, Inc., Montgomery, Alabama -- to acquire certain assets and assume certain liabilities of the Phenix City, Alabama, branches of First Federal Savings and Loan Association of Russell County. Approved, July 23, 1993. Kansas City Continental Security Bancshares, Inc., Springfield, Missouri -- to acquire Deepwater State Bank, Deepwater, Missouri. Approved, July 23, 1993. Philadelphia CoreStates Financial Corp., Philadelphia, Pennsylvania --to establish CoreStates Community Development, and engage de novo in community development activities. Approved, July 20, 1993. Minneapolis Dakota Company, Inc., Minneapolis, Minnesota -- to acquire O'Neill Properties, Inc., and First National Bank of O'Neill, O'Neill, Nebraska. Approved, July 23, 1993. Cleveland Fifth Third Bancorp, Cincinnati, Ohio -- to acquire Shelby County Bancorp, Shelbyville, Indiana, and The Shelby County Savings Bank, FSB, with the latter merging with The Fifth Third Bank of Southeastern Indiana, Greensburg, Indiana. Approved, July 20, 1993. Chicago J. E. Coonley Company, Hampton, Iowa -- to acquire Sheffield Savings Bank, Sheffield, Iowa. Approved, July 21, 1993. H.2 JULY 19, 1993 PAGE 9 TO JULY 23, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Dallas LNB Financial Corporation, Austin, Texas, - - t o acquire LNB Financial-Delaware, Inc., Wilmington, Delaware, and Liberty National Bank, Austin, Texas. Withdrawn, July 23, 1993. Dallas LNB Financial-Delaware, Inc., Wilmington, Delaware -- to acquire Liberty National Bank, Austin, Texas. Withdrawn, July 23, 1993. Minneapolis Marquette Bancshares, Inc., Minneapolis, Minnesota -to acquire First State Holding Company, Coon Rapids, Minnesota. Approved, July 21, 1993. Chicago Montgomery Bancshares, Inc., Montgomery, Illinois -to acquire Bank of Montgomery. Approved, July 21, 1993. Secretary National City Corporation, Cleveland, Ohio -- to acquire Ohio Bancorp, Youngstown, Ohio, Dollar Savings and Trust Company; Potters Bank and Trust Company, East Liverpool; Miners and Mechanics Savings and Trust Company, Steubenville; Bank 2000, Minerva; and Peoples Banking Company, Martins Ferry; and to acquire up to 10 percent of Cortland Bancorp, Cortland; and to acquire Florida Trust Services of Ohio Bancorp, Naples, Florida, and thereby engage in trust and fiduciary services. Approved, July 22, 1993. Minneapolis Rolla Holding Company, Inc., Rolla, North Dakota -to acquire First National Bank, Hettinger, North Dakota. Approved, July 19, 1993. Minneapolis South Dakota Bancorp, Inc., Minneapolis, Minnesota -to acquire O'Neill Properties, Inc., and First National Bank of O'Neill, O'Neill, Nebraska. Approved, July 23, 1993. Minneapolis South Dakota Financial Bancorporation, Inc., Minneapolis, Minnesota --to acquire First National Bank of O'Neill, O'Neill, Nebraska. Approved, July 23, 1993. H.2 JULY 19, 1993 PAGE 5 TO JULY 23, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Dallas South Plains Delaware Financial Corporation, Dover, Delaware -- to acquire HUB Financial Corporation, Lubbock, Texas. Approved, July 19, 1993. Dallas South Plains Financial, Inc., Morton, Texas -- to acquire HUB Financial Corporation, Lubbock, Texas. Approved, July 19, 1993. Atlanta SouthTrust Corporation, Birmingham, Alabama --to acquire certain assets and assume certain liabilities of the Abbeville, Alabama, branch of First Federal Savings and Loan Association of Russell County, Phenix City, Alabama. Approved, July 23, 1993. BANK MERGERS Chicago Illini Bank, Springfield, Illinois -- to merge with Illini Bank East, Coffeen; Illini Bank of Menard County, Petersburg, and Illini Bank North, Danvers, Illinois, and to establish 20 branches in existing locations. Returned, July 20, 1993. BANK PREMISES Chicago Comerica Bank, Detroit, Michigan bank premises. Approved, July 21, 1993. St. Louis Effingham State Bank, Effingham, Illinois -investment in bank premises. Approved, July 20, 1993. Dallas First Bank of Muleshoe, Muleshoe, Texas -- investment in bank premises. Approved, July 19, 1993. Kansas City First Security Bank of Craig, Craig, Colorado -investment in bank premises. Approved, July 21, 1993. investment in H.2 JULY 19, 1993 PAGE 6 TO JULY 23, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK PREMISES Cleveland Minster State Bank, Minster, Ohio -- investment in bank premises. Approved, July 23, 1993. Atlanta Peoples Bank and Trust Company, Selma, Alabama -investment in bank premises. Approved, July 22, 1993. BANKS. STATE MEMBER Director, BS&R Chemung Canal Trust Company, Elmira, New York -registration as a transfer agent. Withdrawn, July 22, 1993. Chicago Citizens Commercial & Savings Bank, Flint, Michigan - payment of dividend. Approved, July 23, 1993. CAPITAL STOCK Dallas Landmark Bancshares, Inc., Euless, Texas -- relief from commitment concerning stock. Granted, July 20, 1993. CHANGE IN BANK CONTROL St. Louis PDR Bancshares, Inc., Prairie Du Rocher, Illinois -change in bank control. Returned, July 22, 1993. Dallas Texas Independent Bancshares, Inc., Texas City, Texas -- change in bank control. Permitted, July 22, 1993. COMPETITIVE FACTORS REPORTS Minneapolis American State Bank of Nashwauk, Nashwauk, Minnesota, proposed acquisition of the Keewatin branch of First National Bank, Keewatin, Minnesota -- report on competitive factors. Submitted, July 19, 1993. H .2 JULY 19, 1993 PAGE 7 TO JULY 23, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COMPETITIVE FACTORS REPORTS Atlanta Bank of Spalding County, Griffin, Georgia, proposed merger with BHC Interim, Inc. -- report on competitive factors. Submitted, July 19, 1993. Chicago Boulevard Bank National Association, Chicago, Illinois, proposed merger with First National Bank of Des Plaines, Des Plaines; National Security Bank of Chicago, Chicago; and Citizens National Bank of Downers Grove, Downers Grove, Illinois -- report on competitive factors. Submitted, July 23, 1993. Richmond Carolina First Savings Bank, F.S.B., Georgetown, South Carolina, proposed acquisition of two branches of Carolina First Bank, Greenville, South Carolina -- report on competitive factors. Submitted, July 20, 1993. Atlanta Central Bancshares of the South, Inc., Birmingham, Alabama, proposed acquisition of Liberty Bank of Fort Walton Beach, Fort Walton Beach, Florida, which would merge with Central Bank of the South, FSB -- report on competitive factors. Submitted, July 22, 1993. San Francisco Citizens Bank, Corvallis, Oregon, proposed merger with Tri-County Banking Co., Junction City, Oregon -- report on competitive factors. Submitted, July 21, 1993. Minneapolis Citizens State Bank, Woodville, Wisconsin, proposed merger with First State Bank, Elmwood, Wisconsin report on competitive factors. Submitted, July 22, 1993. San Francisco Columbia National Bank, Longview, Washington, proposed merger with Columbia State Bank, Tacoma, Washington -- report on competitive factors. Submitted, July 19, 1993. H.2 JULY 19, 1993 PAGE 8 TO JULY 23, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COMPETITIVE FACTORS REPORTS Dallas Community State Bank, Boling, Texas, proposed merger with Bank of the West, Austin, Texas -- report on competitive factors. Submitted, July 22, 1993. Atlanta Dawson County Bank, Dawsonville, Georgia, proposed merger with Dawson Interim Corporation -- report on competitive factors. Submitted, July 19, 1993. Chicago Farmers State Bank of Dows, Dows, Iowa, proposed merger with Sheffield Savings Bank, Sheffield, Iowa, and United Bank and Trust Company -- report on competitive factors. Submitted, July 21, 1993. Cleveland Fifth Third Bancorp, Cincinnati, Ohio, proposed acquisition of Shelby County Savings Bank, FSB, Shelbyville, Indiana -- report on competitive factors. Submitted, July 21, 1993. Chicago Fifth Third Bank of Southeastern Indiana, Greensburg, Indiana, proposed merger with Shelby County Savings Bank, F.S.B., Shelbyville, Indiana -- report on competitive factors. Submitted, July 20, 1993. San Francisco First Security Bank of Rock Springs, Rock Springs, Wyoming, proposed merger with State Bank of Green River, Green River, Wyoming -- report on competitive factors. Submitted, July 23, 1993. Secretary FirstBank of Lakewood, N.A., Lakewood, Colorado, proposed merger with FirstBank of Villa Italia, N.A. -- report on competitive factors. Submitted, July 19, 1993. Dallas Frio National Bank, Pearsall, Texas, and Frontier State Bank, Eagle Pass, Texas, proposed merger with First National Bank, Carrizo Springs, Texas -report on competitive factors. Submitted, July 20, 1993. H .2 JULY 19, 1993 PAGE 9 TO JULY 23, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COMPETITIVE FACTORS REPORTS Atlanta San Franc iscc Guaranty National Bank of Tallahassee, Tallahassee, Florida, proposed acquisition of the branches of Anchor Savings Bank, FSB, Hewlett, New York, at 111 South Monroe Street, Tallahassee, Florida, and 345 South Magnolia Street -- report on competitive factors, Submitted, July 19, 1993. Home Savings of America, FSB, Irwindale, Cal ifornia, proposed purchase of assets and assumption of 1iabilities of the Long Island Savings Bank, FSB, Syosset, New York -- report on competitive factors. Submitted, July 19, 1993. Dallas International Bank, N.A., Brownsville, Texas, proposed purchase of assets and assumption of liabilities of International Bank of Commerce, Brownsville, Texas -- report on competitive factors. Submitted, July 22, 1993. Philadelphia Jefferson Bank, Haverford, Pennsylvania, proposed merger with SBI Acquisition Bank -- report on competitive factors. Submitted, July 20, 1993. Chicago Key State Bank, Owosso, Michigan, proposed merger with Chemical Interim Bank -- report on competitive factors. Submitted, July 21, 1993. San Francisco Merced Bank of Commerce, N.A., Merced, California, proposed purchase of assets and assumption of liabilities of the Winton and Livingston branches of Yosemite Bank, Mariposa, California -- report on competitive factors. Submitted, July 19, 1993. San Francisco Merced Bank of Commerce, N.A., Merced, California, proposed purchase of assets and assumption of liabilities of the Atwater and Dos Palos branches of Community First Bank, Bakersfield, California report on competitive factors. Submitted, July 19, 1993. H.2 JULY 19, 1993 PAGE 10 TO JULY 23, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COMPETITIVE FACTORS REPORTS Minneapolis Mountain Iron First State Bank, Mountain Iron, Minnesota, proposed acquisition of the Biwabik branch of First National Bank, Keewatin, Minnesota -- report on competitive factors. Submitted, July 19, 1993. New York National Westminster Bank USA, New York, New York, proposed purchase of certain assets and assumption of certain liabilities of four branches of River Bank America, New Rochelle, New York -- report on competitive factors. Submitted, July 23, 1993. Minneapolis New State Bank of Wabasha, Wabasha, Minnesota, proposed merger with First State Bank of Wabasha, Wabasha, Minnesota -- report on competitive factors. Submitted, July 19, 1993. Kansas City Norwest Bank Arapahoe, N.A., Englewood, Colorado, proposed acquisition of the assets and assumption of the liabilities of the Tech Center branch of Norwest Bank Denver, N.A. Denver, Colorado -report on competitive factors. Submitted, July 21, 1993. Kansas City Norwest Bank Arvada, N.A., Arvada, Colorado, proposed acquisition of the assets and assumption of the liabilities of the Lakeside branch of Norwest Bank Denver, N.A., Denver, Colorado -- report on competitive factors. Submitted, July 21, 1993. Kansas City Norwest Bank Aurora-South, N.A., Aurora, Colorado, proposed acquisition of the assets and assumption of the liabilities of the Hampden branch of Norwest Bank Denver, N.A., Denver, Colorado -- report on competitive factors. Submitted, July 21, 1993. H .2 JULY 19, 1993 PAGE 11 TO JULY 23, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COMPETITIVE FACTORS REPORTS Kansas City Norwest Bank Colorado Springs-East, N.A., Colorado Springs, Colorado, proposed acquisition of the assets and assumption of the liabilities of the Platte/Union and Rustic Hills branches of Norwest Bank, Denver, N.A., Denver, Colorado -- report on competitive factors. Submitted, July 22, 1993. Kansas City Norwest Bank Lakewood, N.A., Lakewood, Colorado, proposed acquisition of the assets and assumption of the liabilities of the Colfax branch of Norwest Bank Denver, N.A., Denver, Colorado -- report on competitive factors. Submitted, July 21, 1993. Kansas City Norwest Bank Littleton, N.A., Littleton, Colorado, proposed acquisition of the assets and assumption of the liabilities of the Downtown Littleton and Englewood branches of Norwest Bank Denver, N.A., Denver, Colorado -- report on competitive factors. Submitted, July 22, 1993. Dallas Parkdale Bank, Beaumont, Texas, proposed merger with Bank One, Texas, National Association, Dallas, Texas -- report on competitive factors. Submitted, July 22, 1993. Atlanta Peoples Holding Company, Fort Walton Beach, Florida, proposed acquisition of Liberty Interim, FSB, and to merge Liberty Bank of Fort Walton Beach into Liberty Interim, FSB -- report on competitive factors. Submitted, July 22, 1993. Atlanta SouthTrust Bank of Jacksonville, N.A., Jacksonville, Florida, proposed acquisition of the branches of Anchor Savings Bank, FSB, Hewlett, New York, located at 715 Centre Street, Fernandina Beach, Florida, and 81 King Street, St. Augustine, Florida -- report on competitive factors. Submitted, July 19, 1993. H.2 JULY 19, 1993 PAGE 12 TO JULY 23, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COMPETITIVE FACTORS REPORTS Atlanta Sunshine Bank, Pensacola, Florida, proposed merger with First Federal Savings Bank of Defuniak Springs, Defuniak Springs, Florida -- report on competitive factors. Submitted, July 19, 1993. San Francisco Zions First National Bank, Salt Lake City, Utah, proposed merger with Wasatch Bank, Orem, Utah -report on competitive factors. Submitted, July 22, 1993. EXTENSIONS OF TIME Atlanta Commercial State Bank of Orlando, Orlando, Florida -extension to August 27, 1994, to establish a branch at 7506 Aloma Avenue, Winter Park, Florida. Granted, July 23, 1993. Richmond Delmar Bancorp, Delmar, Maryland -- extension to August 31, 1993, to engage in insurance agency activities. Granted, July 23, 1993. Richmond FCNB Corp., Frederick, Maryland -- extension to October 25, 1993, to acquire HomeTown Bancorp, Inc., Myersville, Maryland. Granted, July 23, 1993. Kansas City FirsTier Financial Inc., Omaha, Nebraska -- extension to November 1, 1993, to acquire certain assets and assume certain liabilities of FirsTier Savings Bank, F.S.B., Omaha, Nebraska. Granted, July 20, 1993. Minneapolis Norwest Corporation, Minneapolis, Minnesota -extension to October 18, 1993, to acquire through Norwest Investment Services, Inc., the assets of Columbia Investment Services, Littleton, Colorado. Granted, July 20, 1993. Chicago Valley Financial Corp., Caro, Michigan -- extension to October 19, 1993, to acquire Community Bank. Granted, July 19, 1993. H.2 JULY 19, 1993 PAGE 13 TO JULY 23, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY EXTENSIONS OF TIME Chicago Withee Bank Shares, Inc., Withee, Wisconsin -extension to October 20, 1993, to engage de novo in the development and ownership of a low-income housing project. Granted, July 20, 1993. INTERNATIONAL OPERATIONS Director, BS&R First Interstate Overseas Investment, Inc., Los Angeles, California -- amendment to decrease Edge corporation's capital stock. Permitted, July 21, 1993. Chicago Istituto Bancario San Paolo di Torino S.p.A., Torino, Italy -- to establish a representative office at 70 West Madison Street, Chicago, Illinois. Withdrawn, July 20, 1993. Chicago Illini Bank, Springfield, Illinois -- to become a member of the Federal Reserve System. Returned, July 20, 1993. MEMBERSHIP RESERVE BANK SERVICES Director, FRBO Federal Reserve Bank of Kansas City -- to implement a new electronic presentment product and to change selected payor bank service fees. Approved, July 20, 1993. SECURITIES REGULATION Director, BS&R Over-the-counter stocks -- revised list of OTC stocks subject to margin requirements, and a list of foreign margin stocks, effective August 9, 1993. Published, July 23, 1993. H.2 JULY 19, 1993 PAGE 14 ADDITIONS AND CORRECTIONS TO JULY 23, 1993 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK BRANCHES, DOMESTIC Cleveland Fifth Third Bank, Columbus, Ohio --to establish a branch at 6800 East Broad Street. Approved, July 16, 1993. FEDERAL RESERVE BANK OF BOSTON APPLICATIONS SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY Application Comment Period Ending Date Cheshire Financial Corporarion, Keene, New Hampshire - 4 ( c ) (8) notification to acquire an additional 52.4% of Colonial Mortgage, Inc., Amherst, New Hampshire Newspaper 7-26-93 SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE Application Comment Period Ending Date NONE SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY NONE SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER OR NEWSPAPER NOTICE Application NONE ^Subject to CRA SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS ^Rating Definitions: "0" - Outstanding; "S" - Satisfactory; - Needs to Improve; "SN" - Substantial Noncompliance. Institution Examination Date NONE Rating* " F e d e r a l R e s e rv e Bank o f New Y o rk Comment Period Ending Date SECTION I Applications Subject to Newspaper ___________ Notice Only___________ Chemical Bank to establish a branch office at Victory Memorial Hospital, 699 Second Street, Brooklyn, New York. 1/ 8/13/93 SECTION II Applications Subject to Both Newspaper and Federal Register Notice None. SECTION III Nonbanking Applications (Subject to Federal Register Notice Only) Republic New York Corporation, New York, New York, Saban, S.A. and RNYC Holdings, both of the City of Gibraltar to engage through Republic New York Securities Corporation, New York, New York, in underwriting and dealing in government obligations and money market instruments, underwriting and dealing in, and acting as agent in the private placement of all types of debt securities and acting as a broker or agent with respect to swap and swap-related products and advisor to institutional customers regarding financial strategies involving such products. SECTION IV Applications Not Involving ______ Public Comment______ None. 8/10/93 SECTION V A v a ila b ilit y o f CRA P u b li c E v a lu a t io n s In connection with the assessment of each insured depository institution's CRA performance, a rating is assigned from the following group: Outstanding record of meeting community credit needs. An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record of meeting community credit needs. An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Needs to improve record of meeting community credit needs. An institution in this group needs to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Substantial noncompliance in meeting community credit needs. An institution in this group has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate- income neighbor hoods, in a manner consistent with its resources and capabilities. Week Ending July 24, 1993 NAME OF BANK RATING EXAMINATION DATE None. 1/ 2/ 3/ 4/ Subject to provisions of Community Reinvestment Act. Later of dates specified in newspaper and Federal Register notices. Date specified in newspaper notice; a later date may be specified in the Federal Register notice. Date specified in Federal Register notice; a later date may be specified in the newspaper notice. N/A - Not Available FEDERAL RESERVE BANK OF PHILADELPHIA SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY Comment Period Ending Date None. SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE None. SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY None. SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE None. 1/ Subject to provisions of Community Reinvestment Act * N/A - not yet available. FEDERAL RESERVE BANK OF PHILADELPHIA SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS The following institutions were examined for CRA. The 30-business day period the bank has to make the evaluation public has lapsed during the week ending July 23, 1993 Identification of Ratings In connection with the assessment of each insured depository performance, a rating is assigned from the following groups: institution's CRA Outstanding record of meeting community credit needs. An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record of meeting community credit needs. An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities• Needs to improve record of meeting community credit needs. An institution in this group needs to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and mode rate-income neighborhoods, in a manner consistent with its resources and capabilities. Substantial noncompliance in meeting community credit needs. An institution in this group has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Bank/Location Examination Date None. CRA Rating Federal Reserve Bank of Cleveland Applications Bulletin For Week Ending July 24, 1993 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY Received Section 18(c) application on from Wesbanco Bank Wheeling, Wheeling, West Virginia, to merge with Wesbanc Bank July 21, 1993, Sistersville, Sistersville, West Virginia, and Wesbanco Bank ,Barnesville, Barnesville, West Virginia. * Not Yet Known # SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE Received Section 3 application from Banc One Corporation, Columbus, Ohio, and Banc One Illinois Corporation, Springfield, Illinois, on July 21, 1993, to acquire Mid States Banchsares, Inc., Moline, Illinois. * Not Yet Known # Received Section 3(a) (3) application from *N: August 23, 1993 Mid Am, Inc., Bowling Green, Ohio, to acquire AmeriFirst Bank, N.A., Xenia, Ohio. SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY NONE SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE Received request from Minster State Bank on July 21, 1993, for permission to exceed its limit of investment in bank premises permitted under Section 24A of the Federal Reserve Act. * N F # - Subject to CRA Newspaper Comment Period Federal Register Comment Period Expected to end approximately 30 days from date of application's receipt. AVAILABILITY OF CRA PUBLIC EVALUATIONS (July 23, 1993) The following state member banks have been examined by the Federal Reserve Bank of Cleveland for compliance with The Community Reinvestment Act. A public evaluation document became available from the bank(s) listed below during the week ended July 23, 1993. If you are interested in obtaining a copy of an evaluation document, please contact the bank(s) directly. There are four descriptive ratings for CRA: OUTSTANDING: a bank in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. SATISFACTORY: a bank in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including lowand moderate-income neighborhoods, in a manner consistent with its resources and capabilities. NEEDS TO IMPROVE: a bank in this group needs to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities. SUBSTANTIAL NON COMPLIANCE: a bank in this group has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including lowand moderate-income neighborhoods, in a manner consistent with its resources and capabilities. The Genoa Banking Company 801 Main Street Genoa, Ohio 43430 (419) 855-8381 Rating: Satisfactory Exam Date: April 5, 1993 The Custar State Bank Custar, Ohio 43511 (419) 669-2801 Rating: Satisfactory Exam Date: April 26, 1993 The Marblehead Bank 709 West Main Street Marblehead, Ohio 43440 (419) "798-4471 Rating: Outstanding Exam Date: April 26, 1993 F e d e r a l R e se rv e Bank o f Richmond Section I - Applications Subject to Newspaper Notice Only Application Comment Period Ending Date The Bank of Romney, Romney, West Virginia, to establish a branch at the intersection of Main and Grafton Streets, Romney, West Virginia.* 8-13-93 Section II - Applications Subject to Both Newspaper and Federal Register Notice Application Comment Period Ending Date Bailey Financial Corporation, Clinton, South Carolina, to acquire The Saluda County Bank, Saluda, South Carolina.* 8-11-93 First United Corporation, Oakland, Maryland, to acquire HomeTown Bancorp, Inc., Myersville, Maryland.* 8-16-93 BB&T Financial Corporation, Wilson, North Carolina, to acquire Scotland Savings Bank, SSB, Laurinburg, North Carolina.* 8-22-93 CCB Financial Corporation, Durham, North Carolina, to acquire Citizens Savings, SSB, Lenior, North Carolina.* 8-27-93 Section III - Applications Subject to Federal Register Notice Application Comment Period Ending Date First Union Corporation, Charlotte, North Carolina, to acquire Dominion Bankshares Mortgage Corporation, Roanoke, Virginia. Not yet available. Section IV - Application Not Subject to Federal Register Notice or Newspaper Notice None. * A p p lic a t i o n is s u b j e c t to CRA r e q u ire m e n t s . F e d e r a l R e s e rv e Bank o f Richmond Availability of CRA Public Evaluations Week ending July 23, 1993 Definition of Ratings Outstanding record of meeting community credit needs. An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record of meeting community credit needs. An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate -income neighborhoods, in a manner consistent with its resources and capabilities. Needs to improve record of meeting community credit needs. An institution in this group needs to improve its overall record of ascer taining and helping to meet the credit needs of its entire delineated community, including low- and moderate -income neighborhoods, in a manner consistent with its resources and capabilities. Substantial noncompliance in meeting community credit needs. An institution in this group has a substantially deficient record of ascer taining and helping to meet the credit needs of its entire delineated community, including low- and moderate -income neighborhoods, in a manner consistent with its resources and capabilities. Examination Date Bank of Hampton Roads 201 Volvo Parkway Chesapeake, Virginia 23320 5- 4- 93 Rating S a t is fa c t o r y F e d e r a l R e se rv e Bank o f Richm ond Section I - Applications Subject to Newspaper Notice Only Application Comment Period Ending Date The Bank of Romney, Romney, West Virginia, to establish a branch at the intersection of Main and Grafton Streets, Romney, West Virginia.* 8-13-93 Section II - Applications Subject to Both Newspaper and Federal Register Notice Comment Period Ending Date Application Bailey Financial Corporation, Clinton, South Carolina, to acquire The Saluda County Bank, Saluda, South Carolina.* 8-11-93 First United Corporation, Oakland, Maryland, to acquire HomeTown Bancorp, Inc., Myersville, Maryland.* 8-16-93 BB&T Financial Corporation, Wilson, North Carolina, to acquire Scotland Savings Bank, SSB, Laurinburg, North Carolina.* 8-22-93 CCB Financial Corporation, Durham, North Carolina, to acquire Citizens Savings, SSB, Lenior, North Carolina.* 8-27-93 Section III - Applications Subject to Federal Register Notice Application Comment Period Ending Date First Union Corporation, Charlotte, North Carolina, to acquire Dominion Bankshares Mortgage Corporation, Roanoke, Virginia. Not yet available. Section IV - Application Not Subject to Federal Register Notice or Newspaper Notice None. * A p p lic a t i o n is s u b j e c t to CRA r e q u ire m e n ts . F e d e r a l R e s e rv e Bank o f Richmond Availability of CRA Public Evaluations Week ending July 23, 1993 Definition of Ratings Outstanding record of meeting community credit needs. An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record of meeting community credit needs. An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate -income neighborhoods, in a manner consistent with its resources and capabilities. Needs to improve record of meeting community credit needs. An institution in this group needs to improve its overall record of ascer taining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Substantial noncompliance in meeting community credit needs. An institution in this group has a substantially deficient record of ascer taining and helping to meet the credit needs of its entire delineated community, including low- and moderate -income neighborhoods, in a manner consistent with its resources and capabilities. Examination Date____ Bank of Hampton Roads 201 Volvo Parkway Chesapeake, Virginia 23320 5- 4- 93 Rating S a t is f a c t o r y Federal Reserve Bank of Atlanta Applications Bulletin for Week Ending July 23. 1993 Section 1 - Applications Subject to Newspaper Notice Only Application Comment Period Ending Date Barnett Bank of Tampa Tampa, Florida An after-the-fact notice to establish a branch located at the Kash N Karry Grocery, 7325 Gall Boulevard, Zephyrhills, Florida. 07-30-93 Barnett Bank of Tampa Tampa, Florida An after-the-fact notice to establish a branch located at the Kash N Karry Grocery, 7131 North U.S. Highway 41, Ocala, Florida. 07-30-93 Not yet available* Evergreen Bancshares, Inc. Tallahassee, Florida Along with its subsidiary bank, Guaranty National Bank of Tallahassee, Tallahassee, Florida, to acquire the assets and assume the liabilities of the Downtown branch, and the Eastside branch, both in Tallahassee, Florida, of Anchor Savings Bank, FSB, Hewlett, New York, pursuant to Section 5 ( d ) (3) of the Federal Deposit Insurance Act, as amended by the Federal Deposit Insurance Corporation Improvement Act of 1991. Section 2 - Applications Subject to Both Newspaper and Federal Register Notice Application White Eagle Financial Group, Inc. Boca Raton, Florida 1-BHC formation, Admiralty Bank, Palm Beach Gardens, Florida. Comment Period Ending Date Not yet available* *Subject to provisions of the Community Reinvestment Act. Federal Reserve Bank of Atlanta Applications Bulletin for Week Ending July 23. 1993 Section 3 - Applications Subject Application to Federal Register Only Comment Period Ending Date Section 4 - Applications Not Subject to Federal Register Notice or Newspaper Notice Application Federal Reserve Bank of Atlanta Applications Bulletin for Week Ending July 23. 1993 Section 10 - Availability of CRA Public Evaluations The CRA public evaluations of the insured depository institutions listed below became available during this week. Information about an institution's CRA evaluation may be obtained directly from the institution. In connection with the assessment of an institution's CRA performance, a rating is assigned from the following groups: Outstanding record of meeting community credit needs: An institution has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including lowand moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record of meeting community credit needs: An institution has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Needs to improve record of meeting community credit needs: An institution needs to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Substantial noncompliance in meeting community credit needs: An institution has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Examination Bank None. Rating Date Federal Reserve Bank of Chicago Section I - Applications Suhiect to N e w s p a p e r Noti c e O n l v Comment Perioi Endina Date Type Application Branch Capac State Bank Capac, Michigan 148 North Almont A v e n u e Imlay City, Michigan* N - 7-23-93 EFT Harris Trust and Savings B ank Chicago, Illinois 212 West Washington Street Chicago, Illinois* N - 8-15-93 Reg K First Evergreen Corporation Evergreen Park, Illinois Polarzvaigzne Banka Riga, Latvia* N _ ** Oakar A B N A M R O North America, Inc. Chicago, Illinois LaSalle Talman Bank, F.S.B. Chicago, Illinois N _ ** Oakar A B N A M R O Bank N.V. Amsterdam, The Netherlands LaSalle Talman Bank, F.S.B. Chicago, Illinois N _ ★★ Oakar A B N A M R O Holding N. V. Amsterdam, The N etherlands LaSalle Talman Bank, F.S.B. Chicago, Illinois N _ ** Oakar Stichting Prioriteit A B N A M R O H o l d i n g Amsterdam, The N etherlands LaSalle Talman Bank, F.S.B. Chicago, Illinois N _ ★* Oakar Stichting Administratiekantoor A B N A M R O Holding Amsterdam, The Netherlands LaSalle Talman Bank, F.S.B. Chicago, Illinois N — ** Federal Reserve Bank of Chicago Section I - Applications Subject to N e w s p a p e r Notice Only Comment Period Ending Date Type Application Oakar LaSalle National Corporation C h i c a g o , Illinois LaSalle Talman Bank, F.S.B. Chicago, Illinois N - ** Branch First of America Bank-Northern M i c h i g a n Traverse City, Michigan Intersection of U.S. Highway 31 and South Airport Road, Traverse City, Michigan* N - 7-17-93 Merger/ Branches Illini Bank Springfield, Illinois Illini B a n k East Coffeen, Illinois Illini Bank of Menard County Petersburg, Illinois Illini Bank East D a n v e r s , Illinois* N - ** M embership Illini Ban k Springfield, Illinois to become a m e mber of the Federal Reserve System* N - ** Branch Old Kent Bank - Southwest Kalamazoo, Michigan 1400 N. Drake Road Kalamazoo, Michigan* N - ** Federal Reserve Bank of Chicago Type S e ction II - Applications Subject to Both N e wspaper and Federal R egister Notice Comment Pe r i o d E n d i n g D ate Application Y-2 Independent Bank Corporation Ionia, Michigan Pioneer Bank North Branch, Michigan* FR - 8-2-93 N - 8-6-93 Y-2 Independent Bank Corporation Ionia, Michigan American Home B a n k Unionville, Michigan* FR - 8-2-93 N - 8-6-93 Y-l Van Buren Bancorporation Employee Stock Ownership Plan Keosauqua, Iowa Van Buren Bancorporation Keosauqua, Iowa State Savings B ank Cantril, Iowa Farmers State B a n k Keosauqua, Iowa* FR - 8-9-93 N - ** CoC-HC Success Bancshares, Inc. (formerly Lincolnshire Bancshares, Inc.) Lincolnshire, Illinois George M. Ohlhausen FR - 8-9-93 N - 8-2-93 Y-2 Peotone Bancorp, Inc. Peotone, Illinois Rock River Bancorporation, Oregon, Illinois Rock River Bank Oregon, Illinois* FR N - 7-2-93 8-1-93 Inc. Y-2 Talen, Inc. Traer, Iowa Farmers and Merchants Ban k Greenwood, Wisconsin* FR - 6-28-93 N - 8-8-93 Y-l Gordon Family Investment Limited Partnership Chicago, Illinois CNBC Bancorp, Inc. Chicago, Illinois Columbia National B a n k of Chicago Chicago, Illinois* FR - ** NP - 8-12-93 Federal Reserve Bank of Chicago Section I - Applications Subject to N e w s p a p e r Notice Only Comment Period Ending Date Type A pplication Oakar L aSalle National Corporation Chicago, Illinois LaSalle Talman B a n k , F.S.B. Chicago, Illinois N - ** Branch First of America Bank-Northern M i c h i g a n Traverse City, Michigan Intersection of U.S. Highway 31 and South Airport Road, Traverse City, Michigan* N - 7-17-93 Merger/ Branches Illini Bank Springfield, Illinois Illini Bank East Coffeen, Illinois Illini Bank of Menard County Petersburg, Illinois Illini B a n k East Danvers, Illinois* N - ** Membe r s h i p Illini Bank Springfield, Illinois to become a m e mber of the Federal Reserve System* N - ** Branch O l d Kent Bank - Southwest Kalamazoo, Michigan 1400 N. Drake Road Kalamazoo, Michigan* N - ** Federal Reserve Bank of Chicago Type S e ction II - Applications Subject to Both New s p a p e r and Federal R egister Notice Comment P e r i o d E n d i n g D ate Application Y-2 Independent Bank Corporation Ionia, Michigan Pioneer Bank North Branch, Michigan* FR - 8-2-93 N - 8-6-93 Y-2 Independent Bank Corporation Ionia, Michigan American Home B a n k Unionville, Michigan* FR - 8-2-93 N - 8-6-93 Y-l Van Buren Bancorporation Employee Stock Ownership Plan Keosauqua, Iowa Van Buren Bancorporation Keosauqua, Iowa State Savings B ank Cantril, Iowa Farmers State B a n k Keosauqua, Iowa* FR - 8-9-93 N - ** CoC-HC Success B a ncshares, I n c . (formerly Lincolnshire B a n c s h a r e s , Inc.) Lincolnshire, Illinois George M. Ohlhausen FR - 8-9-93 N - 8-2-93 Y-2 Peotone Bancorp, Inc. Peotone, Illinois Rock River Bancorporation, Oregon, Illinois Rock River Bank Oregon, Illinois* FR N - 7-2-93 8-1-93 Inc. Y-2 Talen, Inc. Traer, Iowa Farmers and Merchants B a n k Greenwood, Wisconsin* FR - 6-28-93 N - 8-8-93 Y-l Gordon Family Investment Limited Partnership Chicago, Illinois CNBC Bancorp, Inc. Chicago, Illinois Columbia National B a n k of Chicago Chicago, Illinois* FR - ** NP - 8-12-93 Federal Reserve Bank of Chicago Section II - A p p lications Subject to Both Newspapei Register Notice (Continued) and Federal Comment Period Ending Date Type A p p l i cation Y-l Smithdown Investments, Inc. Lake Forest, Illinois Hinsdale Bank and Trust Company Hinsdale, Illinois (in organization)* FR - 7-16-93 N - 6-27-93 Y-2 Firstbank of Illinois Co. Springfield, Illinois Colonial Banc shares, Inc. D e s Peres, Missouri Colonial Bank D e s Peres, Missouri Village B a n k of St. Louis County Ballwin, Missouri FR N - Y-2 B a n k o f Montreal M o n t r e a l , Canada C i t y Bankshares, Inc. Oklahoma City, Oklahoma C i t y B a n k & Trust Company Oklahoma City, Oklahoma FR - ** NP - ** Y-2 B ankmont Financial Corp. N e w York, N e w York C i t y Bankshares, Inc. Oklahoma City, Oklahoma C i t y Bank & Trust Company Oklahoma City, Oklahoma FR - ** NP - ** Y-2 H a r r i s Bankcorp, Inc. Chicago, Illinois C i t y Bankshares, Inc. Oklahoma City, Oklahoma C i t y B a n k & Trust Company Oklahoma City, Oklahoma FR - ** NP - ** 8-13-93 7-12-93 Federal Reserve Bank of Chicago Type S e ction II - Applications Subject to Both Newspaper and Federal R egister Notice fContinued ) Comment P e r i o d Ending Date Application Y-l The National Bank of Indianapolis Corporation Indianapolis, Indiana The National B a n k of Indianapolis Indianapolis, Indiana (in organization)* FR - 7-12-93 N - 8-7-93 Y-2 Citizens Banking Corporation Flint, Michigan Royal Bank Group, Inc. Royal Oak, Michigan National Bank of Royal Oak Royal Oak, Michigan* FR - 7-16-93 N - 7-23-93 Y-l Hea r t w a y Bancorporation W a y land, Iowa Wayland State Ban k Wayland, Iowa* FR - 7-16-93 N 6-7-93 Y-2 De Witt Bancorp, Inc. De Witt, Iowa River Valley Bancorp, Inc. D a v e n p o r t , Iowa Valley State B a n k (in organization) Eldridge, Iowa* FR - 3-25-93 N - 7-23-93 Y-l R i v e r Valley Bancorp, Inc. Davenport, Iowa Valley State B a n k (in organization) Eldridge, Iowa* FR - 3-25-93 N - 7-23-93 Y-l The First Trust Holdings, Inc. Watseka, Illinois First Trust and Savings Ban k of Watseka, Illinois Watseka, Illinois* FR - 7-26-93 N - 7-12-93 Y-2 Castle BancGroup, Inc. (formerly Sandwich Banco, Inc.) DeKalb, Illinois B.O.Y. Bancorp, Inc. Yorkville, Illinois B a n k of Yorkville Yorkville, Illinois* FR - 8-2-93 N - 7-17-93 Federal Reserve Bank of Chicago Type Section II - A p p lications Subject to Both N e w s p a p e r a n d Federal Register Notice (C o n tinued ) Comment Period Appl i c a t i o n Endi n g Date Y-2 F ortress B a n c s h a r e s , Inc. Hart land, Wisconsin K l o o s n e r Bancorporation, Inc. Houston, Minnesota H o uston S ecurity Bank Houston, Minnesota* FR - 8-6-93 N - ** Y-l Qu i c k Bancorp, Inc. McClelland, Iowa Peoples National Bank Council Bluffs, Iowa* FR - ** N P - 8-11-93 Y-2 Farmers Savings B a n k Employee Stock Owner s h i p Plan West Union, Iowa Westmont Corporation West Union, Iowa Farmers Savings Bank West Union, Iowa* FR - ** N - 8-2-93 Y-l Dea r b o r n Bancorp, Inc. D e a r b o r n , Michigan C o m m u n i t y B a n k of Dearborn Dearborn, M ichigan (in organization)* FR - ** N - ** Federal Reserve Bank of Chicago Section III - Applications Svfoiect to Federal Register Notice O n l y Comment P e r i o d Ending Date Type Application Y-4 Van Buren Bancorporation Keosauqua, Iowa Maki n g and servicing loans FR - 7-28-93 Y-4 Continental Bank Corporation Chicago, Illinois Repechage Partners Ltd. Chicago, Illinois FR - 7-22-93 4(c) (8) Northern Bankshares, Inc. McFarland, Wisconsin n an amount Make direct commercial loans not exceeding $200,000 in the aggregate and to service said loans FR - 7-20-93 Y-4 A B N A M R O North America, Inc. Chicago, Illinois A B N A M R O Securities, Inc. N e w York, N e w York FR - ** Y-4 A B N A M R O Bank N. V. Amsterdam, The Netherlands A B N A M R O Securities, Inc. N e w York, N e w York FR - ** Y-4 A B N A M R O Holding N.V. Amsterdam, The Netherlands A B N A M R O Securities, Inc. N e w York, N e w York FR - ** Y-4 Stichting Administratiekantoor A B N A M R O Holding Amsterdam, The Netherlands A B N A M R O Securities, Inc. N e w York, N e w York FR 4(C)(8) State Financial Services Corporation M a k i n g & Servicing Loans d i r e c t l y to its ESOP FR - 8-3-93 4(c)(8) Bluestem Financial Corp. Fairhury, Illinois Bluestem Financial Services, Inc. Fairbury, Illinois - investment and financial advisory and consumer financial counseling FR - ** Federal Reserve Bank of Chicago Section III - A p p lications Subject to Federal R e g i s t e r N o tice Only (C o n t i n u e d ) Comment Period E n d i n g Date Type Appl i c a t i o n 4(c)(8) Stichting Prioriteit A B N A M R O Holding Amsterdam, The Netherlands A B N A M R O Securities, Inc. N e w York, N e w York FR - ** 4(c) (8) Evans Bancshares, Inc. Evansdale, Iowa Engage in a one-time de novo lending activity via the purchase of an $80,000 overline from its sub bank FR - 7-15-93 4(c) (8) C o m m u n i t y Banc-Corp of Sheboygan, Inc. Sheboygan, Wisconsin G & H Insurance A g e n c y Sheboygan, Wisconsin - selling insurance and other financial services F R - 8-12-93 Y-4 Van Bur e n Bancorporation Employee Stock Ownership Plan Keosauqua, Iowa M a k i n g and Servicing Loans FR - 8-9-93 Y-4 First Colonial Bankshares Corporation Chicago, Illinois First Colonial Investment Services Rosemont, Illinois F R - ** 4(c) (8) Bankers' Bancorporation of Wisconsin Madison, Wisconsin Bankers Service Corporation Madison, Wisconsin F R - ** 4(c) (8) Columbus Bancorp, Inc. Indianapolis, Indiana Underwriting and acting as a principal for credit insurance FR - ** 4(c)(8) Sal in Bancshares, Inc. I n d i a n a p o l i s , Indiana Underwriting and acting as a principal for credit insurance F R - ** Federal Reserve Bank of Chicago Section I V - A p p lications Not Subject to Federal Reg i s t e r or N e w s p a p e r Notice Type Applic a t i o n RoS B a d g e r Bank Services, Inc. Cassville, Wisconsin R e d e e m 1,018.5 shares (50 percent) outstanding common stock N FR * ** of its - Ne w s p a p e r - Federal R e g i s t e r - Subject to Provisions of Community Reinvestment Act - Not avail a b l e at this time AVAILABILITY OF CRA PUBLIC EVALUATIONS The following state member banks have been examined by the Federal Reserve Bank of Chicago for compliance with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed during the week ending July 23, 1993. If you are interested in obtaining a copy of the evaluation document, please contact the bank(s) directly. Identification of Ratings O-An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. S-An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. NI-An institution in this group needs to improve its overall record of ascer taining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. SN-An institution in this group has a substantially deficient record of ascer taining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. BANK NAME/LOCATION -Farmers State Bank of Western Illinois P.0. Box 369 New Windsor, Illinois (309) 529-4361 EXAMINATION DATE RATINGS 61413 4/05/93 S Federal Reserve Bank of St. Louis FOR THE WEEK ENDING JULY 23, 1993 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE Application End of Comment Period None. SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE Application ^Section 3(a)(3) application by Union Planters Corporation, Memphis, Tennessee to acquire First Financial Services, Inc., Brownsville, Tennessee End of Comment Period Newspaper: 8-21-93 Change in Control notification involving Martinsburg Bancorp Inc., Martinsburg, Missouri by Martinsburg Bancorp Employee Stock Ownership Plan, Martinsburg, Missouri Federal Register: (previously reported during week ending July 16, 1993) 8-9- SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE Application End of Comment Period Section 4(c)(8) notification by Security Capital Corporation, Batesville, Mississippi to engage de novo in making loans 8-9-93 (previously reported during week ending July 9, 1993) SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE Application None. *This application is subject to CRA. End of Comment Period FEDERAL RESERVE BANK OF ST. LOUIS St. Louis, Missouri AVAILABILITY OF CRA PUBLIC DISCLOSURES Identification o f Ratings: Outstanding record o f m eeting com m unity credit needs A n institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs o f its entire delineated community, including low - and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record o f m eeting com m unity credit needs A n institution in this group has a satisfactory record o f ascertaining and helping to meet the credit needs o f its entire delineated community, including low- and moderate- incom e neighborhoods, in a manner consistent with its resources and capabilities. Needs to im prove record o f m eeting com m unity credit needs A n 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 noncom pliance in m eeting com m unity credit needs A n 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. FOR THE WEEK ENDING Name of Bank None Bank Address July 23, 1993 Examination Date Examination Rating FEDERAL RESERVE BANK OF MINNEAPOLIS 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 Application Watford City Bancshares, Inc. Watford City, ND To acquire 100% of the voting shares of Fessenden Bancshares, Inc., Fessenden, ND* Norwest Corporation Mpls, MN To acquire 100% of the voting shares of St. Cloud National Bank & Trust Company, St. Cloud, MN* Comment Period Ending Date Not yet available 8-13-93 (Federal Register) Norwest Corporation Mpls, MN To acquire 100% of the voting shares of FirstAmerican Bank, N.A., Colorado Springs, CO* 8-24-93 (Newspaper) Dairyland Bancorp, Inc. Bruce, WI To acquire 100% of the voting shares of Bruce Bancshares, Inc., Bruce, WI* 7-24-93 (Newspaper) * Subject to CRA FEDERAL RESERVE BANK OF MINNEAPOLIS Section III - Applications Subject to Federal Register Notice Only Comment Period Ending Date Application Norwest Corporation Mpls, MN To engage in securities brokerage activities through the acquisi tion of the discount brokerage business of St. Cloud National Bank & Trust Co., St. Cloud, MN 8-13-93 Section IV - Applications Not Subject to Federal Register Notice or Newspaper Notice Application None. FEDERAL RESERVE BANK OF MINNEAPOLIS Section V - Availability of CRA Public Evaluations week ending July 23, 1993 ASSIGNMENT OF RATING Identification of Ratings In connection with the assessment of each insured depository institution's CRA performance, a rating is assigned from the following groups: OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS. An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS. An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities. NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS. An institution in this group needs to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS. An institution in this group has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low-and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. BANK(S ) EXAMINED DATE OF EXAMINATION CRA RATING Bank of Lemmon P. 0. Box 359 Lemmon, SD 57638-0359 (605) 374-3853 April 19, 1993 Satisfactory Citizens Bank of Mobridge, P. 0. Box 910 320 Main Street Mobridge, SD 57601-3673 (605) 845-3673 April 19, 1993 Satisfactory Federal Reserve Bank of Kansas City SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY APPLICATION COMMENT PERIOD ENDING DATE No n e . SECTION I I - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE APPLICATION COMMENT PERIOD ENDING DATE Imogene Metcalf, Charles Butler, both of Hooker, Oklahoma, for prior approval to increase ownership by 17.4 percent to 32.2 percent, and 13.2 percent to 25.0 percent, respectively, in The First National Bank of Hooker, Hooker, Oklahoma. Not Available FirstBank Holding Company ESOP, Lakewood, Colorado, for prior approval to acquire 26.6 percent of the voting shares of FirstBank Holding Company of Colorado, Lakewood, Colorado.* Not Available SECTION I I I - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY APPLICATION COMMENT PERIOD ENDING DATE None. SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE APPLICATION None. SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS Id e n tific a tio n of Ratings In connection with the assessment of each insured depository institution's CRA performance, a rating is assigned from the following groups: Federal Reserve Bank of Kansas City Outstanding record of meeting community cred it needs An institution in this group has an outstanding record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities. S a tisfac to ry record of meeting community cred it needs An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities. Needs to improve record of meeting community credit needs An institution in this group needs to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities. Substantial noncompliance in meeting community credit needs An institution in this group has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities. Bank/Location Exam Date None. ♦Application is subject to CRA. CRA Public Date CPA Rating FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF JULY 19, 1993 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY APPLICATION NOTICE EXP None. SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE APPLICATION ** NOTICE EXP ♦Section 3(a)(1) application by Finger Interests Number One, Ltd., Houston, TX, to acquire CBH, Inc., Wilmington, DE; Charter Bancshares, Inc., Houston, TX; Charter National Bank - Colonial, Houston, TX; Charter National Bank - Houston, Houston, TX; and University National Bank, Galveston, TX (Previously reported during the week of 6-21-93) 93/08/13 ♦Section 3(a)(3) application by BancWest Bancorp, Inc., Austin, TX, to acquire Community State Bank, Boling, TX 93/08/16 Change in Control Notice by Juanita B. Henry jointly with Joseph M. Henry, III, Natchitoches, LA, to acquire an interest in Exchange Bancshares, Inc., Natchitoches, LA N/A Change in Control Notice by Jimmie Michael Luecke, Giddings, TX, to acquire an interest in Giddings Bancshares, Inc., Giddings, TX N/A SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY APPLICATION None. NOTICE EXP SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE APPLICATION Section 24A application by Landmark Bank Mid-Cities, Euless, TX, to invest in bank premises in excess of bank's capital stock* * SUBJECT TO CRA. ** EXPIRATION DATE IS THE DATE SPECIFIED IN THE NEWSPAPER NOTICE ONLY. N/A - NOT AVAILABLE AT THIS TIME. SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS FOR THE WEEK OF JULY 19, 1993 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 need to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Substantial Noncompliance in meeting community credit needs. An institution in this group has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Bank Sunwest Bank of Grant County 1203 N. Hudson P. 0. Box 1449 Silver City, New Mexico 88062 Date of Examination 93/04/19 CRA Rating Outstanding FEDERAL RESERVE BANK OF SAN FRANCISCO Week ending 7/23/93 Section I - Applications Subject to Newspaper Notice Only A d d ! ication Comment Period Ending Date Bank of America Nevada, Las Vegas, Nevada, to establish a branch inside the Vons Grocery at 4854 Lone Mountain Road, Las Vegas, Nevada. * Newspaper: 7/17/93 West One Bank, Idaho, N.A., Boise, Idaho, to establish a branch at 5312 Chinden Boulevard, Garden City, Idaho. * Newspaper: 8/16/93 Home Valley Bank, Cave Junction, Oregon, to establish a branch at 598 NE "F" Street, Grants Pass, Oregon. * Newspaper: Not available Section II - Applications Subject to Both Newspaper and Federal Register Notice Ap p I ication Comment Period Ending Date Farmers Bancorporation, Buhl, Idaho, to become a bank holding company by acquiring Farmers National Bank, Buhl, Idaho. * Newspaper: Not available Fed. Rea.: 8/12/93 FNB Bancorp, Los Angeles, California, to become a bank holding company by acquiring Founders National Bank of Los Angeles, Los Angeles, California. * Newspaper: 8/13/93 Fed. Reg.: 8/13/93 Benjamin Namatinia, Portland, Oregon, to increase Newspaper: his ownership from 18 percent up to 28 percent of Cowlitz Bancorporation, Longview, Washington. Fed. Reg.: Not available Not available Section III - Applications Subject to Federal Register Notice Only Application Comment Period Ending Date The Dai-Ichi Kangyo Bank, Limited, Tokyo, Japan, Fed. Rea.: Not yet published to engage de novo in options and futures based on "bank eligible" securities for its own account, through DKB Securities, Corporation, New York, New York. ♦Subject to CRA FEDERAL RESERVE BANK OF SAN FRANCISCO (cont'd.) Week ending 7/23/93 Section III - Applications Subject to Federal Register Notice Only Application Comment Period Ending Date The Sumitomo Bank, Limited, Osaka, Japan, to Fed. Reg.: engage de novo in providing portfolio investment advice to any person through Sumitomo Bank Capital Markets, Inc., New York, New York. Not available The Sumitomo Bank, Limited, Osaka, Japan, to engage de novo in investment or financial advice to the extent of furnishing general economic statistical forecasting services and industry studies through Sumitomo Bank Capital Markets, Inc., New York, New York. Fed. Reg.: Not available The Sumitomo Bank, Limited, Osaka, Japan, to engage de novo in providing investment advice to state and local governments (including foreign municipalities and agencies of foreign governments), through Sumitomo Bank Capital Markets, Inc., New York, New York. Fed. Reg.: Not available The Sumitomo Bank, Limited, Osaka, Japan, to Fed. Reg.: engage de novo in providing general information and stastical forecasting with respect to foreign exchange markets through Sumitomo Bank Capital Markets, Inc., New York, New York. Not available Section IV - Applications Not Subject to Federal Register Notice or Newspaper Notice None FEDERAL RESERVE BANK OF SAN FRANCISCO (cont'd.) Week ending 7/23/93 Section V - Availability of CRA Public Evaluations The CRA public evaluations of the institution(s) below became available during the week ending July 23, 1993. Information about a particular institution's CRA evaluation may be obtained directly from the institution. Institution Location Capital Bank of Carlsbad 2602 El Camino Real Carlsbad, CA (619) 434-3344 Examination Date 4/19/93 Rating* Outstanding * Under the rating system an institution's CRA performance is assigned one of the following four ratings: Outstanding record of meeting community credit needs: An institution has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record of meeting community credit needs: An institution has a satisfactory record of ascertaining and meeting the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Needs to improve record of meeting community credit needs: An institution needs to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- to moderateincome neighborhoods, in a manner consistent with its resources and capabilities. Substantial noncompliance in meeting community credit needs: An institution has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- to moderateincome neighborhoods, in a manner consistent with its resources and capabilities.
@FedFRASER