View original document

The full text on this page is automatically extracted from the file linked above and may contain errors and inconsistencies.

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
O NEWSPAPER NOTICE
R
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.




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