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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H.2, 1997, NO. 24
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the W e e k Ending June 14, 1997

ACTIONS TAKEN NT THE BOARD OT GOVERNORS

ADVISORY COUNCILS
Consumer Advisory Council -- Federal Reserve Board is
seeking nominations of qualified individuals for 13
appointments.
Announced, June 13, 1997.
Thrift Institutions Advisory Council.
Convened, June 13, 1997.
BANK HOLDING COMPANIES
Allied Irish Banks, pic, Dublin, Ireland, and First
Maryland Bancorp, Baltimore, Maryland -- request
for reconsideration of the Boardvs approval of the
applications and notices to acquire Dauphin Deposit
Corporation, Harrisburg, Pennsylvania, and
Dauphin's banking and nonbanking subsidiaries.
Denied, June 12, 1997.
Banc One Corporation, Columbus, Ohio -- request for
reconsideration of the Board's approval of the
notification to merge with First USA, Inc., Dallas,
Texas, and engage in certain nonbanking activities.
Denied, June 12, 1997.
Bank SinoPac, Taipei, Taiwan, and SinoPac Bancorp,
Los Angeles, California - - t o acquire Far East
National Bank, Los Angeles, California.
Approved, June 11, 1997.
Fortis AG, Brussels, Belgium, and Fortis AMEV,
Utrecht, the Netherlands -- request for temporary
exemption under section 4(c)(9) of the Bank Holding
Company Act.
Permitted, June 11, 1997.
National Canton Bancshares Inc., Canton, Illinois
to acquire Sturm Investment, Inc., Denver,
Colorado, and Union National Bank of Macomb,
Macomb, Illinois.
Approved, June 11, 1997.
FORMS




Consolidated Report of Condition and Income for Edge
and Agreement Corporations (FR 2886b) -- extension,
with revisions.
Approved, June 13, 1997.

H.2
JUNE 9, 1997
PAGE 2

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JUNE 13, 1997

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

FORMS
Reports of Selected Borrowings -- two weekly reports
(FR 2415 and FR 2415t), the quarterly report (FR
2090q), and the annual report (FR 2090a) -revision, with extension, and the Daily Telephone
Report (FR 2415a) -- to discontinue.
Approved, June 12, 1997.

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
ABBREVIATIONS: BS&R - Banking Supervision and Regulation; C&CA - Consumer and
Community Affairs; FOMC - Federal Open Market Committee; FRBO - Federal Reserve
Bank Operations; IF - International Finance; OSDM - Office of Staff Director
for Management
BANK BRANCHES. DOMESTIC




New York

Chase Manhattan Bank, New York, New York " t o
establish a branch on the premises of the Greely
Building, 132 West 31st Street.
Approved, June 13, 1997.

Richmond

Crestar Bank, Richmond, Virginia -- to establish a
branch in the Liberty Fair Kroger, 240 West
Commonwealth Boulevard, Martinsville, Virginia.
Approved, June 9, 1997.

Richmond

Crestar Bank, Richmond, Virginia -- to establish a
branch in the Willow Lawn Hannaford Supermarket,
1601 Willow Lawn Drive.
Approved, June 9, 1997.

Richmond

Crestar Bank, Richmond, Virginia -- to establish a
branch in the Meehanicsville Wal-Mart, 7430 Bell
Creek Road, Mechanicsville, Virginia.
Approved, June 9, 1997.

Richmond

Crestar Bank, Richmond, Virginia - - t o establish a
branch in the Amherst Highway Wal-Mart at the
intersection of U.S. Route 29 and Woody's Lake
Road, Madison Heights, Virginia.
Approved, June 9, 1997.

H.2
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PAGE 3

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JUNE 13, 1997

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

BANK BRANCHES. DOHESTIC
Kansas City

Lafayette State Bank, Lafayette, Colorado -- to
establish branches at 785 Cheesman Street, Erie,
and 5720 120th Avenue, Broomfield, Colorado
Approved, June 11, 1997.

Atlanta

Republic Security Bank, West Palm Beach, Florida -to establish a branch at 7300 Lake Worth Road, Lake
Worth, Florida.
Approved, June 13, 1997.

Atlanta

Southwest Georgia Bank, Moultrie, Georgia -- to
establish a drive-through branch at 205 Second
Street, S.E.
Approved, June 13, 1997.

BANK HOLDING COMPANIES




St. Louis

Allegiant Bancorp, Inc., Clayton, Missouri -- to
acquire Reliance Financial, Inc., St. Louis,
Missouri, and indirectly acquire Reliance Federal
Savings and Loan Association of St. Louis County,
and engage in the operation of a thrift
association.
Permitted, June 12, 1997.

Kansas City

Allen Bancshares, Inc., Allen, Oklahoma -- to engage
in the activity of factoring accounts receivable.
Permitted, June 12, 1997.

Chicago

Bancorp of New Glarus, Inc., New Glarus, Wisconsin
to acquire The Bank of New Glarus, New Glarus,
Wisconsin.
Approved, June 11, 1997.

San Francisco

Bank of Idaho Holding Company, Idaho Falls, Idaho
to acquire Bank of Eastern Idaho.
Approved, June 12, 1997.

Chicago

Hawthorn Corporation, Mundelein, Illinois - - t o
acquire Hawthorn Bank.
Approved, June 10, 1997.

H.2
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JUNE 13, 1997

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

BANK HOLDING COHPANIES




Cleveland

Mellon Bank Corporation, Pittsburgh, Pennsylvania
to acquire 1st Business Corporation, Los Angeles,
California.
Approved, June 9, 1997.

S t . Louis

National City Bancshares, Inc., Evansville, Indiana
- to acquire Bridgeport Bancorp, Inc., Bridgeport,
Illinois, and First National Bank of Bridgeport.
Approved, June 12, 1997.

Secretary

National City Corporation, Cleveland, Ohio,
Louisville, Kentucky, and National Processing, Inc
-- to acquire certain assets of InTraCon, Inc.,
Burton, Michigan, and engage in financial data
processing.
Approved, June 12, 1997.

Secretary

National City Corporation, Cleveland, Ohio, and
National Processing, Inc., Louisville, Kentucky
to acquire MRS Jamaica, Inc., Houston, Texas, and
engage in processing of healthcare claims and
payments.
Approved, June 13, 1997.

San Francisco

Prineville Bancorporation, Prineville, Oregon - - t o
acquire Community First Bank.
Approved, June 9, 1997.

San Francisco

Security State Corporation, Centralia, Washington
to acquire Security State Bank, Centralia,
Washington.
Approved, June 12, 1997.

San Francisco

Zions Bancorporation, Salt Lake City, Utah - - t o
acquire Tri-State Bank, Montpelier, Idaho.
Approved, June 11, 1997.

H.2
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PAGE 5

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JUNE 13, 1997

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

BANK MERGERS
San Francisco

Eldorado Bank, Irvine, California - - t o merge with
Liberty National Bank, Huntington Beach; Commerce
Security Bank, Sacramento, and San Dieguito
National Bank, Encinitas, California.
Approved, June 11, 1997.

CHANGE IN BANK CONTROL
Atlanta

American Bancorp, Inc., Opelousas, Louisiana -change in bank control.
Permitted, June 12, 1997.

Cleveland

Cumberland Valley Financial Corporation, London,
Kentucky -- change in bank control.
Permitted, June 9, 1997.

Chicago

First State Bancorp of Monticello, Inc., Monticello,
Illinois -- change in bank control.
Permitted, June 13, 1997.

S t . Louis

Fredonia Valley Bancorp, Inc., Fredonia, Kentucky
change in bank control.
Permitted, June 11, 1997.

Richmond

South Branch Valley Bancorp, Inc., Moorefield, West
Virginia -- change in bank control.
Permitted, June 13, 1997.

Dallas

South Texas Capital Group, Inc., San Antonio, Texas
- change in bank control.
Permitted, June 10, 1997.

COMPETITIVE FACTORS REPORTS




Philadelphia

Advanta National Bank, Wilmington, Delaware, proposed
merger with Advanta National Bank USA, Wilmington,
Delaware -- report on competitive factors.
Submitted, June 13, 1997.

Atlanta

Community Bank, Blountville, Alabama, proposed merger
with Community Bank, Pulaski, Tennessee -- report
on competitive factors.
Submitted, June 11, 1997.

H.2
JUNE 9, 1997
PAGE 6

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JUNE 13, 1997

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

COMPETITIVE FACTORS REPORTS




San Francisco

Community First Bank, Prineville, Oregon, proposed
merger with Prineville Interim Bank -- report on
competitive factors.
Submitted, June 9, 1997.

Secretary

Deposit Guaranty National Bank of Louisiana, Hammond,
Louisiana, proposed acquisition of the assets and
assumption of the liabilities of Citizens Savings
Association, Baton Rouge, Louisiana -- report on
competitive factors.
Submitted, June 12, 1997.

San Francisco

Far West Bank, Provo, Utah, proposed acquisition of
the assets and assumption of the liabilities of the
Price, Utah, branch of Wells Fargo Bank, N.A., San
Francisco, California -- report on competitive
factors.
Submitted, June 9, 1997.

Minneapolis

First American Bank, National Association,
Breckenridge, Minnesota, proposed merger with First
American Bank, National Association, Wahpeton,
North Dakota -- report on competitive factors.
Submitted, June 10, 1997.

Minneapolis

First American Bank, National Association, Moorhead,
Minnesota, proposed merger with First American
Bank, National Association, Lisbon, North Dakota
report on competitive factors.
Submitted, June 10, 1997.

Secretary

First American National Bank,
proposed acquisition of the
of the liabilities of First
of Kentucky, Bowling Green,
competitive factors.
Submitted, June 9, 1997.

Secretary

First American National Bank, Nashville, Tennessee,
proposed acquisition of the assets and assumption
of the liabilities of two branches of First
American Federal Savings Bank, Roanoke, Virginia
report on competitive factors.
Submitted, June 11, 1997.

Nashville, Tennessee,
assets and assumption
American National Bank
Kentucky -- report on

H.2
JUNE 9, 1997
PAGE 7

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JUNE 13, 1997

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

COMPETITIVE FACTORS REPORTS




Secretary

First Mountain Bank, Big Bear Lake, California,
proposed merger with the Big Bear Lake branch of
Bank of America, National Trust and Savings
Association, San Francisco, California
report on
competitive factors.
Submitted, June 11, 1997.

Minneapolis

First National Bank of River Falls, River Falls,
Wisconsin, proposed merger with River Falls Interim
National Bank -- report on competitive factors.
Submitted, June 12, 1997.

St. Louis

First National Bank of Russellville, Russellville,
Arkansas, proposed purchase of the assets and
assumption of the liabilities of the Dover and
Russellville, Arkansas, branches of First Bank of
Arkansas, Russellville, -- report on competitive
factors.
Submitted, June 12, 1997.

Philadelphia

FNB Bank, National Association, Danville,
Pennsylvania, proposed acquisition of certain
assets and assumption of certain liabilities of two
branches of Mellon Bank, National Association,
Pittsburgh, Pennsylvania -- report on competitive
factors.
Submitted, June 13, 1997.

San Francisco

Glendale Federal Bank, Federal Savings Bank,
Glendale, California, proposed merger with Glendale
Interim Federal Savings Bank -- report on
competitive factors.
Submitted, June 9, 1997.

Minneapolis

Jackson Federal Savings and Loan Association,
Jackson, Minnesota, proposed merger with Interim
Savings Association -- report on competitive
factors.
Submitted, June 11, 1997.

H.2
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PAGE 8

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JUNE 13, 1997

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

COHPETITIVE FACTORS REPORTS




Richmond

Lexington State Bank, Lexington, North Carolina,
proposed merger with Old North State Bank, WinstonSalem, North Carolina -- report on competitive
factors.
Submitted, June 10, 1997.

Boston

Liberty Bank, Middletown, Connecticut, proposed
acquisition of certain assets and assumption of
certain liabilities of the Main Street,
Middlefield, Connecticut, branch of MidConn Bank,
Kensington, Connecticut -- report on competitive
factors.
Submitted, June 11, 1997.

Kansas City

Miami County National Bank of Paola, Paola, Kansas,
proposed acquisition of the assets and assumption
of the liabilities of the Nevada, Missouri, and
Lamar, Missouri, branches of Roosevelt Bank,
Chesterfield, Missouri -- report on competitive
factors.
Submitted, June 11, 1997.

Boston

New England Bank and Trust Company, Windsor,
Connecticut, proposed merger with First Bank of
West Hartford, Connecticut -- report on competitive
factors.
Submitted, June 13, 1997.

S t . Louis

Old National Bank in Evansville, Evansville, Indiana,
proposed merger with Peoplevs Bank and Trust
Company, Mt. Vernon, Indiana -- report on
competitive factors.
Submitted, June 12, 1997.

Richmond

Provident Bank of Maryland, Baltimore, Maryland,
proposed merger with Citizens Savings Bank F.S.B.,
Gaithersburg, Maryland -- report on competitive
factors.
Submitted, June 12, 1997.

H.2
JUNE 9, 1997
PAGE 9

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JUNE 13, 1997

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

COMPETITIVE FACTORS REPORTS
Dallas

San Angelo National Bank, San Angelo, Texas, proposed
acquisition of the assets and assumption of the
liabilities of branches at 3399 Knickerbocker and
222 South Koenighein Street, and the main office at
301 West Beauregard of Texas Commerce Bank-San
Angelo, N.A. -- report on competitive factors.
Submitted, June 13, 1997.

Kansas City

State Bank of Oskaloosa, Oskaloosa, Kansas, proposed
merger with The State Bank of Oskaloosa -- report
on competitive factors.
Submitted, June 11, 1997.

Dallas

Texas Bank, Brownwood, Texas, proposed acquisition of
the assets and assumption of the liabilities of a
branch at 301 North Patrick Street, Dublin, of
Pacific Southwest Bank, Corpus Christi, Texas -report on competitive factors.
Submitted, June 11, 1997.

Boston

Webster Bank, Waterbury, Connecticut, proposed merger
with People's Savings Bank & Trust, New Britain,
Connecticut -- report on competitive factors.
Submitted, June 9, 1997.

EXTENSIONS OF TIME




Dallas

A.N.B. Holding Company, Ltd., Terrell, Texas
extension to September 23, 1997, to acquire ANB
Corporation and American National Bank of Terrell.
Granted, June 13, 1997.

Richmond

First Union Corporation, Charlotte, North Carolina;
NationsBank Corporation, Charlotte, North
Carolina; BB&T Corporation, Winston-Salem, North
Carolina; and Wachovia Corporation, Winston-Salem,
North Carolina -- extension to September 25, 1997,
to acquire more than 5 percent of the shares of
Education Financial Services, LLC, Winston-Salem,
North Carolina.
Granted, June 10, 1997.

H.2
JUNE 9, 1997
PAGE 10

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JUNE 13, 1997

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

EXTENSIONS OF TIME
Minneapolis

TCF Financial Corporation, Minneapolis, Minnesota -extension to September 21, 1997, to acquire TCF
Colorado Corp., Englewood, Colorado, and TCF
National Bank Colorado.
Granted, June 11, 1997.

Minneapolis

Trimont Bancorporation, Inc., Trimont, Minnesota -extension to September 11, 1997, to acquire
Financial Services of Winger, Winger, Minnesota.
Granted, June 11, 1997.

San Francisco

Eldorado Bank, Irvine, California - - t o become a
member of the Federal Reserve System.
Approved, June 11, 1997.

Chicago

F&M Bank-Brodhead, Brodhead, Wisconsin - - t o become a
member of the Federal Reserve System.
Approved, June 10, 1997.

Kansas City

State Bank of Burrton, Burrton, Kansas -- to become a
member of the Federal Reserve System.
Approved, June 12, 1997.

MEMBERSHIP

RESERVE BANK SERVICES




Director, FRBO

Federal Reserve Bank of Dallas - - t o provide net
settlement services to depository institutions that
participate in the Interdistrict Check Exchange and
Settlement Service and that utilize the Clearing
House Association of the Southwest as agent for the
service.
Approved, June 13, 1997.

H.2
JUNE 9, 1997
PAGE 11

ADDITIONS AND CORRECTIONS
TO

JUNE 13, 1997

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

RESERVE BANK SERVICES
Net settlement services -- request for comment on an
enhancement of Federal Reserve net settlement
services (R-0974).
Approved, June 4, 1997.

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

BANK BRANCHES. DOMESTIC
Cleveland

Fifth Third Bank of Northeastern Ohio, Cleveland,
Ohio -- to establish a branch at 20220 Center Ridge
Road, Rocky River, Ohio.
Approved, June 6, 1997.

Cleveland

PremierBank & Trust, Elyria, Ohio -- to establish a
branch at Sheffield Crossing, 5231 Detroit Road,
Sheffield Village, Ohio.
Approved, May 28, 1997.

BANK HOLDING COMPANIES
New York

HSBC Holdings PLC, London, England; HSBC Finance
(Netherlands) Limited, Amsterdam, Netherlands, and
HSBC Holdings BV -- to engage de novo in lending,
leasing, financial advisory and investment advisory
activities, trust company functions, and management
and consulting activities.
Permitted, June 3, 1997.

BANK MERGERS




Chicago

Old Kent Bank, Grand Rapids, Michigan - - t o merge
with Old Kent Bank, Elmhurst, Illinois, and to
establish 26 branches.
Approved, June 13, 1996.

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

Application

SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY
Comment Period Ending Date
NONE

Application

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

Northway Financial, Inc.,*
Berlin New Hampshire 3 (a) (1)/ 3 (a) (5)
application to acquire
100% of the voting stock
of The Berlin City Bank,
Berlin, New Hampshire and
to acquire 100% of the
voting stock of PEMI
Bancorp, Inc., Plymouth,
New Hampshire

Application

Newspaper

07/17/97

Federal Register

07/17/97

SECTION III - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY
Comment Period Ending Date
NONE

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




NONE

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Institution

Examination Date

Rating**

NONE

♦Subject to CRA.
**Rating Definitions:
"O" - Outstanding; "S" - Satisfactory;
Improve; "SN" - Substantial Noncompliance

"N" - Needs to

SECTION VI - APPLICATIONS BULLETIN
Effective April 21, 1997, information regarding the comment periods associated with
applications and notices submitted to the Federal Reserve Bank of Boston for
processing under section 3 and 4(c) (8) of the Bank Holding Company Act of 1956, as
amended, will be available
24 hours a day by calling the following
toll-free number 1-800-896-9480.




FEDERAL RESERVE BANK OF NEW YORK
Comment Period
Ending Date
SECTION I
Applications Subject to Newspaper
_____ Notice Only_____
None.
SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
Application by NSS Bancorp, Inc., Norwalk, Connecticut,
a proposed bank holding company, to acquire 100 percent
of the shares of common stock of Norwalk Savings Society,
Norwalk, Connecticut. 1/

7/10/97 3/

SECTION III
Nonbanking Applications
(subject to Federal Register Notice Only 1
Anteilsverwaltung-Zentralsparkasse and Bank Austria Aktiengesellschaft,
both of Vienna, Austria, to retain certain nonbanking subsidiaries of
Creditanstalt-Bankverein, Vienna, Austria in connection with Notificant's
acquisition of a 69.45 percent voting interest in Creditanstalt, and thereby
engage indirectly in nonbanking activities.
SECTION IV
Applications Not Involving
Public Comment
None.




N/A

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

Week Ending June 14,1997
NAME O f BANK

RATING

None.

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




EXAMINATION DATE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER
NOTICE ONLY
Ambassador Bank of the Commonwealth. Allentown, PA to establish a branch office at 1605
West Broad Street, Bethlehem, Lehigh County, PA, pursuant to Section 9 of the Federal
Reserve Act.
Newspaper comment period expires:

07/14/97

SECTION II - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEWSPAPER
AND FEDERAL REGISTER NOTICE
Fulton Financial Corp. Lancaster, PA to acquire 100 percent of the voting shares of The
Peoples Bank of Elkton, Elkton, MD., pursuant to Section 3(a)(3) of the Banking Holding
Company Act.
Newspaper comment period expires:
06/23/97
Federal Register comment period expires: N/Avail
SECTION III - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL
REGISTER NOTICE ONLY
CoreStates Financial Corp. Philadelphia, PA to expand the activities of CoreStates Securities
Corp to include Tier One Section 20 powers, pursuant to Section 4(c)(8) of the Bank Holding
Company Act.
Federal Register comment period expires: 06/27/97
SECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL
REGISTER NOTICE OR NEWSPAPER




NONE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
The following institutions were examined for CRA. The 30-business day period the bank has
to make the evaluation public has lapsed during the week ending June 13, 1997.
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in, ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Bank/Location

Examination Date

f!RA Rating

NONE

NONE

NONE




APPLICATIONS BULLETIN
(For the week ending June 14,1997)

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
Received Section 3(a)(1) notice from OSB Bancorp, Inc.,
Osgood, OH on June 12, 1997, to become a bank holding
company by acquiring The Osgood State Bank, Osgood, OH.
Received notice from Fifth Third Bank of Northern Kentucky,
Florence, KY on June 12, 1997, of its intent to establish a
branch at 5018 Kentucky Route 16, Taylor Mill, KY.

* July 9, 1997

*June 23, 1997

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

NONE

SECTION HI - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY

NONE

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

NONE

* - Subject to CRA
N - Newspaper Comment Period
F - Federal Register Comment Period
# - Expected to End 30 Days from Date of Receipt



AVAILABILITY OF CRA PUBLIC EVALUATIONS
(June 13, 1997)

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 June 13, 1997. 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 low- and
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 moderate-income 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 low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.




NONE

Federal Reserve Bank of Richmond
Section I - Applications Subject to Newspaper
Notice Only
Application

Comment Period Ending Date

First Virginia Bank - Commonwealth,
Grafton, Virginia, to establish a
branch in the Wal-Mart SuperCenter
at 12401 Jefferson Avenue, Newport
News, Virginia.*

7-11-97

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
Application

Comment Period Ending Date

None.

Section IV - Application Not Subject to
Federal Register Notice or Newspaper Notice
IVBPliCfrtiQh
Patapsco Valley Bancshares, Inc.,
Ellicott City, Maryland, to acquire
Central Maryland Services Cor^ nation,
Ellic ott City, Maryland, and engage in
data processing activities.
Independent Community Bankshares, Inc.
,
Middleburg, Virginia, to acquire Tredegar
Trust Company, Richmond, Virginia, and
engage in trust activities.

♦Application is subject to CRA requirements.




Federal Reserve Bank of Richmond

Section V - Availability of CRA Public Evaluations
Week ending June 13, 1997

Definition of Ratings
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner con­
sistent with its resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record of ascer­
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of ascer­
taining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.

RSSD
MumbSE
353023




Examination
___DSLtS____

Name of Bank
Johnsonville State Bank
127 South Georgetown Highway
Johnsonville, South Carolina

29555

3-17-97

Rating

Satisfactory.

Federal Reserve Bank o f Atlanta
Applications Bulletin for Week Ending June 13. 1997

Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

None.
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

Century South Banks, Inc.
Not yet available*
Gainesville, Georgia
To merge with Bank Corporation of Georgia, Macon, Georgia, and thereby directly acquire its
subsidiaries, First South Banks, N.A., Macon, Georgia, and AmeriBank, N.A., Savannah, Georgia,
pursuant to Section 3(a)(5) of the Bank Holding Company Act.
Hibernia Corporation
Not yet available*
New Orleans, Louisiana
To merge with Executive Bancshares, Inc., Paris, Texas, and thereby directly acquire First National
Bank of Paris, Paris, Texas, and Collin County National Bank, McKinney, Texas, pursuant to
Section 3(a)(5) of the Bank Holding Company Act.
Deposit Guaranty Corp.
Not yet available*
Jackson, Mississippi
For its subsidiary, CSF Acquisition Corp., Jackson, Mississippi, to acquire CitiSave Financial
Corporation, Baton Rouge, Louisiana, and its subsidiary, Citizens Savings Association, F.A., Baton
Rouge, Louisiana, and thereby engage in operating a savings association, pursuant to Section
225.28(b)(4)(ii) of Regulation Y and Section 4(c)(8) of the Bank Holding Company Act.

Section 3 - Applications Subject to Federal Register Only
Application
None.

*Subject to the provisions of the Community Reinvestment Act.




Comment Period Ending Date




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending June 13. 1997

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

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending June 13. 1997
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 institutionhas an outstanding record
of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record of 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-incomeneighborhoods,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.

Bank

CRA Rating

The Home Bank
Satisfactory
Post Office Box 580
Guntersville, Alabama 35976
(205) 582-3252
Monroe County Bank
Satisfactory
Post Office Box 806
Monroeville, Alabama 36461
(334) 575-3132




Examination Date
03-03-97

03-03-97

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending June 13.199?
Recently Approved Applications

Approval Pate

Republic Security Bank
06-07-97
West Palm Beach, Florida
To establish a branch located at 7300 Lake Worth Road, Lake Worth, Florida.
Southwest Georgia Bank
06-13-97
Moultrie, Georgia
To establish a drive-thru branch facility located at 205 Second Street, S.E., Moultrie, Georgia.
American Bancorp, Inc.
06-12-97
Opelousas, Louisiana
Change in control notice by Mr. Ronald L. Lashute to acquire an additional 13.33 percent of the
outstanding shares of American Bancorp, Inc., Opelousas, Louisiana, which will increase his total
ownership to 13.69 percent.




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

Ending Date

Type

Application

Merger & Branch

M&I Bank of Fox Valley
Appleton, Wisconsin
5 branch offices of M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
and to establish 5 branches

NP - **

Merger & Branch

M&I Bank Northeast
Green Bay, Wisconsin
10 branch offices of M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
and to establish 10 branches

NP - **

Merger

M&I Bank of Eagle River
NP - **
Eagle River, Wisconsin
Eagle River, Wisconsin & Three Lakes, Wisconsin branches of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin

Merger

M&I Bank of Menomonee Falls
Menomonee Falls, Wisconsin
Menomonee Falls, Wisconsin branch office of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin

NP - **

Merger

M&I Bank of Shawano
Shawano, Wisconsin
Shawano, Wisconsin branch office of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin

NP - **

Merger

M&I Bank of South Central
Watertown, Wisconsin
Watertown, Wisconsin branch office of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin

NP - **

Merger

M&I Central State Bank
Oshkosh, Wisconsin
Oshkosh, Wisconsin branch office of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin

NP - **




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

Tm

Application

Merger & Branch

M&I Lake Country Bank
Hartland, Wisconsin
Oconomowoc, Wisconsin branch office of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
and to establish a branch at
326 East Wisconsin Avenue
Oconomowoc, Wisconsin

Np _ **

Merger

M&I Merchants Bank
Rhinelander, Wisconsin
Rhinelander, Wisconsin branch office of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin

JSJP _ **

Merger

NP - **
M&I First American Bank
Wausau, Wisconsin
Wausau, Wisconsin & Rothschild, Wisconsin branch offices of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin

Merger & Branch

M&I Bank of Racine
Racine, Wisconsin
Racine, Wisconsin branch office of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
and to establish branches at
468 College Avenue
Racine, Wisconsin

jsjp - **

Branch

State Bank
Everly, Iowa
301 North Main Street
Everly, Iowa

NP - 6-14-97




Federal Reserve Bank of Chicago
Section I - Applications Subject to Newspaper

Notice Only cont’d
Comment Period
Ending Date

Type

Application

Branch

1st Source Bank
South Bend, Indiana
801 West Wayne Avenue
Middlebury, Indiana

NP - 6-23-97

Branch

Prairie Bank & Trust Company
Bridgeview, Illinois
Caton Farm Road and Route 59
Joliet, Illinois

NP - 6-20-97

Branch

Old Kent Bank
Grand Rapids, Michigan
3711 Lapeer Road
Flint, Michigan

NP - 5-31-97

Branch

1st Source Bank
South Bend, Indiana
815-H South Centerville Road
Sturgis, Michigan

NP - 7-7-97

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




Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspaper and Federal

Register Notice
Comment Period
Ending Date

Type

Application

3(a)(1)

Bancorp of New Glarus, Inc.*
New Glarus, Wisconsin
Bank of New Glarus
New Glarus, Wisconsin

FR - 6-6-97
NP - 6-2-97

CoC-HC

First State Bancorp of Monticello, Inc.
Monticello, Illinois
by John W. Corley

FR - 5-16-97
NP - 6-03-97

3(a)(1)

FBA Bancorp Inc.*
Chicago, Illinois
First Bank of the Americas, S.S.B.
Chicago, Illinois

FR - 6-12-97
NP - **

3(a)(3)

Central Illinois Bancorp, Inc.*
Sidney, Illinois
First Ozaukee Capital Corporation
Cedarburg, Wisconsin
First Ozaukee Savings Bank
Cedarburg, Wisconsin

FR - 6-26-97
N P . **

3(a)(3)

Firstbank Corporation*
Alma, Michigan
Lakeview Financial Corporation
Lakeview, Michigan
Bank of Lakeview
Lakeview, Michigan

FR - 6-9-97
NP - 6-8-97

3(a)(1)

Covest Bancshares, Inc.*
Des Plaines, Illinois
Covest Bank, N.A.
(formerly First Federal Bank for Savings)
Des Plaines, Illinois

FR - 7-7-97
NP - 6-30-97




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

Type

Application

3(a)(1)

Edgar County Banc Shares, Inc.*
Paris, Illinois
Kansas Banc Corporation
Kansas, Illinois
Edgar County Bank and Trust Co.
Paris, Illinos

FR - 6-30-97
NP - **

3(a)(3)

F&M Bancorporation
Kaukauna, Wisconsin
Clear Lake Bancorp, Inc.
Clear Lake, Wisconsin
Landmark Bank
Clear Lake, Wisconsin

FR - 7-3-97
NP - **

3(a)(5)

F&M Merger Corporation
Kaukauna, Wisconsin
Clear Lake Bancorp, Inc.
Clear Lake, Wisconsin
Landmark Bank
Clear Lake, Wisconsin

FR - 7-3-97




NP. **

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

Type

Application

4(c)(8)

Caisse Nationale de Credit Agricole, S.A.
Paris, France
Dean Witter Reynolds Inc.
New York, New York
Dean Witter International, Ltd.
London, England

FR - 6-13-97

4(c)(8)

Credit Agricole Indosuez
Paris, France
Dean Witter Reynolds Inc.
New York, New York
Dean Witter International, Ltd.
London, England

FR - 6-13-97

4(c)(8)

Pinnacle Financial Services, Inc.
St. Joseph, Michigan
CB Bancorp, Inc.
Michigan City, Indiana
Community Bank, a Federal Savings Bank
Michigan City, Indiana

FR - 6-19-97
NP - 6-23-97

4(c)(8)

Pinnacle Financial Services, Inc.
St. Joseph, Michigan
Indiana Federal Corporation
Valparaiso, Indiana
Indiana Federal Bank
Valparaiso, Indiana
IndFed Mortgage Company
Valparaiso, Indiana
IndFed Investment Services, Inc.
Valparaiso, Indiana
Forest Holdings, Inc.
Lisle, Illinois

FR - 6-19-97
NP - 6-23-97

4(c)(8)

First Chicago NBD Corporation
Chicago, Illinois
First Chicago Capital Markets, Inc.
Chicago, Illinois

FR - 6-30-97




Federal Reserve Bank of Chicago
Section IV - Applications Not Subject to Federal Register or Newspaper Notice
Type
NONE




Application

Federal Reserve Bank of Chicago
Section V - Availability of CRA Public Evaluations
The following state member banks have been examined by the Federal Reserve Bank of Chicago for
compliance with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed
during the week ending June 13, 1997. If you are interested in obtaining a copy of the evaluation document,
please contact the bank(s) directly.
Identification of Ratings
O-

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

S-

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

NI -

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

SN -

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




BANK NAME/LQCAXIQN

EXAMINATION DATE

RATINGS

Isabella Bank and Trust
200 East Broadway
Mount Pleasant, Michigan 48858-2314
(517) 772-9471
RSSD# 74140

2/17/97

S

Eastern Michigan Bank
65 North Howard
Croswell, Michigan 48422-1222
(810) 679-2500
RSSD# 643340

2/10/97

O

RESERVE B A N K APPLICATIONS BULLETIN

For week ending June 13, 1997

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

End of Comment Period

Application
None.

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

End of Comment Period

Change in control notification involving Nashoba
Bankshares, Inc., Memphis, Tennessee, by Waymon
H. Welch, Jr. (previously reported during the week
ending May 30, 1997).

Federal Register: 6-23-97

* Section 3(a)(3) notification by First Eldorado
Bancshares, Inc., Eldorado, Illinois, to acquire Dana
Bancorp, Inc., Dana, Indiana.

Newspaper: 7-10-97

* Section 3(a)(3) notification by Enterbank Holdings,
Inc., Clayton, Missouri, to acquire 8.33% of City
Bancorp, Springfield, Missouri.

Newspaper: 7-13-97

SECTION m - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application

End nf Comment Period

None.

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

* This notification is subject to CRA.




End of Comment Period

RESERVE B A N K APPLICATIONS BULLETIN

For week ending June 13, 1997

FEDERAL RESERVE BANK OF ST. LOUIS
SECTION V - AVAILABILITY OF CRA PUBLIC DISCLOSURES

Identification Ratings;
O utstanding reco rd o f m eeting com m unity cred it 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 reco rd o f m eeting com m unity 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.
N eeds to im prove rec o rd o f m eeting com m unity cred it 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 noncom pliance in m eeting com m unity cred it 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.

Name of Bank

None




Bank Address

Examination
Date

Examination
Rating

For week ending June 13, 1997

RESERVE B A N K APPLICATIONS BULLETIN

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

RSSD
Number




Name

City

State

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section I - Applications Subject to
Newspaper Notice Only
Comment Period
Ending Date

Application
New North Shore Bank, Duluth, Minnesota for prior approval
to merge with North Shore Bank of Commerce, Duluth, Minnesota
and incident thereto, to establish branches in the Minnesota
communities of Duluth and Hermantown. *

Not yet available

New North Shore Bank, Duluth, Minnesota, for prior approval to
become a member of the Federal Reserve System.

Not yet available

The Peninsula Bank, Ishpeming, Michigan to establish a branch
in Negaunee, Michigan. *

June 30, 1997

* Subject to CRA

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section II - Applications Subject to Both
Newspaper and Federal Register Notice

Application

Comment Period
Ending Date

First Bank System, Inc., Minneapolis, Minnesota
for prior approval to acquire 100% of the voting shares
of the First Bank National Association ND, Fargo, North
Dakota, a de novo bank. *

July 3, 1997
(Federal Register)

AMFED Financial, Inc., Minneapolis, Minnesota for prior
approval to become a bank holding company upon conversion
of its wholly-owned federal savings bank subsidiary to
a national bank to be named Norwest Bank Nevada, N.A.,
Las Vegas, Nevada. *

July 14, 1997
(Federal Register)

Norwest Corporation, Minneapolis, Minnesota for prior approval
July 14, 1997
to continue to own AMFED Financial, Inc., Minneapolis, Minnesota
(Federal Register)
("AMFED") upon conversion of AMFED's wholly-owned federal savings bank
subsidiary to a national bank, to be named Norwest Bank Nevada,
N.A., Las Vegas, Nevada. *
Norwest Corporation, Minneapolis, Minnesota for prior approval to
acquire 100% of the voting shares of the Woodhaven National Bank,
Fort Worth, Texas. *

July 3, 1997
(Newspaper)

Norwest Corporation, Minneapolis, Minnesota for prior approval to
acquire 100% of the voting shares of the Myers Bancshares, Inc.,
Dallas, Texas. *

July 3,1997
(Newspaper)

* Subject to CRA



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

Application
NONE.

FEDERAL RESERVE BANK OF MINNEAPOLIS
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 June 13,1997

ASSIGNMENT OF RATING
Identification of Ratines
In connection with the assessment of each insured depositoiy institution's CRA performance, a rating is
assigned from the following groups:
OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs
of its entire delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group needs to improve its overall record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low-and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
BANKIS) EXAMINED

DATE OF EXAMINATION

CRA RATING

The State Bank of Ewen
Cedar Street
P.O.Box 290
Ewen, MI 49925

March 4, 1997

Satisfactory




KANSAS CITY RESERVE BANK APPLICATIONS AND REPORTS RECEIVED
During the week ending June 13, 1997

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION
First State Bank of Fort Collins, Fort Collins,
Colorado, notice of intent to establish a branch facility
at 1112 Oak Ridge Drive, Suite 108, Fort Collins,
Colorado.

COMMENT PERIOD ENDING DATE
Not available

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

c o m m e n t per io d e n d in g d a t e

Roy Ferguson, Tulsa, Oklahoma, for prior approval to
acquire a total of 25.5 percent; Beverly Carter Jackson
Q-TIP Trust, Stigler, Oklahoma, to acquire 39.0
percent, Michael S. Leonard, Trustee; Michael S.
Leonard, Muskogee, Oklahoma, directly and
indirectly, to acquire an additional 64.4 percent, of the
voting shares of Stigler Bancorporation, Inc., Stigler,
Oklahoma.

July 2, 1997

Daniel Biggs, Great Bend, Kansas, for prior approval
to increase ownership from 4.63 percent to 16.25
percent; Merlin Grimes, Great Bend, Kansas, to
increase ownership from 4.63 percent to 25.00
percent; ED&J, Inc., c/o David Marmie, Great Bend,
Kansas, to increase ownership from 4.63 percent to
22.00 percent; Ronald Carr, Great Bend, Kansas, to a
acquire 12.5 percent; Dennis Call, Great Bend,
Kansas, to acquire 12.5 percent; R. Joe Southard,
Great Bend, Kansas, to acquire 11.75 percent of the
voting shares of First Wakeeney Agency, Inc.,
Wakeeney, Kansas.

Not Available




SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

None.

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
APPLICATION
None.

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:
Outstanding record of meeting community credit needs
An institution in this group has an outstanding record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs
An institution in this group has a satisfactory record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.




N e st i p o er c r o m e i gcommunitycei n e s
e d o m r v eod f etn
rdt e d
An institution in this group needs to improve its overall record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.

Exam Date

CRA Public
Date

Farmers State Bank &
504955
Trust Co.
P.O. Box 737
Lexington, NE 68850-0737

3-10-97

6-9-97

Satisfactory

Security State Bank of
Basin
P.O. Box 531
Basin, WY 82410-0531

955959

3-17-97

6-13-97

Satisfactory

The Bank of Star Valley
P.O. Box 8007
Afton, WY 83110

2396604

3-17-97

6-13-97

Outstanding

Bank/Location

RSSD#

♦Application is subject to CRA.




CRA
Rating

FED
ERAL RESERVE B N O DALLAS APPLICATIONS BULLETIN
AK F
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF JUNE 9, 1997
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER

NOTICE ONLY
APPLICATION

NOTICE EXP

None.
SECTION II ■ APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE

A IC T N
PPL A IO
*Section 3(a)(1) application by
Fannin Bancorp, Inc., Employee Stock Ownership
Plan & Trust, Windom, TX, to acquire
Fannin Bancorp. Inc., Windom, TX, and
Fannin Bank. Windom. TX
(Previously reported during the week of 97/05/12)

** NOTICE EXP

97/06/23

*Section 3(a)(1) application by
First Marshall Bancshares, Inc., Marshall, TX, to acquire
First Marshall Delaware Bancshares, Inc., Dover, DE,
First Marshall Corporation, Marshall. TX, and
East Texas National Bank, Marshall, TX

97/07/08

*Section 3(a)(1) application by
First Marshall Delaware Bancshares, Inc., Dover, DE,
to acquire First Marshall Corporation, Marshall, TX, and
East Texas National Bank, Marshall, TX

97/07/08

Change in Control Notice by
Alvin L. Fields, Honey Grove, TX, et a l ,
to acquire an interest in
Quadco Bancshares, Inc., Ladonia, TX

97/06/19




SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER

N T E OL
O IC N Y
A IC T N
PPL A IO

N T E EP
O IC X

None.

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

A
PPLIC T N
A IO
None.

* SUBJECT TO CRA.
** EXPIRATION DATE IS THE DATE SPECIFIED IN THE NEWSPAPER NOTICE ONLY.
N/A - NOT AVAILABLE AT THIS TIME.



SECTION V • AVAILABILITY OF CRA PUBLIC EVALUATIONS
FOR THE WEEK OF JUNE 9. 1997

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
None.




Date of
Examination

CRA Rating

FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 6/13/97
Section I - Applications Subject to Newspaper Notice Only

Comment Period Ending Pate

Application
Bank of Utah, Ogden, Utah, to establish a branch
office at 717 West 1981 North, Layton, Utah. *

Newspaper:

6/13/97

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Neighborhood Bancorp, San Diego, California, to
become a bank holding company by acquiring
Neighborhood National Bank (In Organization),
San Diego, California. *
Randall M. Proctor, Sandy, Oregon, to increase
his ownership up to 24.0 percent of CCB Financial
Corporation, Sandy, Oregon. *

Newspaper:

6/16/97

Fed. Reg.:

6/23/97

Newspaper:

Not available

Fed. Reg.:

6/23/97

Section III -Applications Subject to Federal Register Only
None

Section IV - Applications Not Subject to Federal Register Notice
or Newspaper Notice (Cont'd.l
None

* Subject to CRA.



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 6/13/97
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during this week. Information
about a particular institution's CRA evaluation may be obtained directly from the institution.
Institution

Location

Examination Date

Rating*

None

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

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



H.2A
N t c o Formations and Mergers o,and A q i i i n b ,Bank Holding
oie f
f
custos y
Companies; Change i Bank Control
n
Notices Filed as of June 13,1997
The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act o f
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j)), Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board o f Governors, no
later than the end o f the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end o f this release.
The public portions o f the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;
addresses are listed at the end o f this release. Applications and notices also may be obtained from the
Board.
Applicant or notificant

Acquiree or activity

1st United Bancorp,
Boca Raton, FL

Seaboard Savings Bank,
F.S.B.,
Stuart, FL,
operating a savings
association (b)(4)(ii)

4

Atlanta

June 12, 1997

Altus NBC Corporation,
Inc., Oklahoma City,
OK

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

4

Kansas City

June 25, 1997

CIBC

Atlanta

June 5, 1997

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




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

Section of law

Reserve Bank

End of comment period

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

Acquireeora t v t
ciiy

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

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

4

New York

March 4, 1997

Bank of Idaho Holding
Company,
Idaho Falls, ID

Bank of Eastern Idaho,
Idaho Falls, IA

3

San Francisco

June 9,1997

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

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

3 and 4

New York

March 14, 1997

Bedene, John B.,
Bedene, Bruce Fowler,
Bualle, Becky Suzanne,
and Bedene, Barry
William, as co-trustees
of the Trust Estate
established by the Will
of John H. Bedene,
Deceased, all of Arma,
KS

Bedene Insurance Agency,
Inc.,
Arma, KS, and
The First State Bank,
Arma, KS

CIBC

Kansas City

June 18, 1997

Bedford Bancshares,
Bedford, TX, and
Bedford Delaware
Bancshares, Inc.,
Dover, DE

Western American National
Bank,
Bedford, TX

3

Dallas

June 23, 1997

Binger Agency, Inc.,
Binger, OK

Midstate Bancorp, Inc.,
Hinton, OK, and
Legacy Bank TC,
Blanchard, OK, and
Legacy Bank,
Hinton, OK

3

Kansas City

June 20, 1997

Cabot Bankshares, Inc.,
Cabot, AR

The Capital Bank, Cabot,
AR

3

St. Louis

July 11, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquiree o a t v t
r ciiy

Caisse Nationale de
Credit Agricole and
Credit
Agricole Indosuez
(formerly Banque
Indosuez), both of Paris,
France

Indosuez Carr Futures, Inc.,
Chicago, IL, purchasing the
institutional futures
business of Dean Witter
Reynolds, Inc., & its
London, England, based
affiliate, Dean Witter
Reynolds, Intemat'l.,Ltd.,
financial & investment
advise (b)(6) and (7)

4

Chicago

June 13, 1997

Central Bancompany,
Inc., Jefferson City, MO

Farmers and Traders
Bancshares, Inc.,
California, MO, and
Farmers and Traders Bank,
California, MO

3

St. Louis

July 7, 1997

Central Illinois Bancorp,
Sidney, IL

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

3

Chicago

June 26, 1997

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

Century Savings Bank,
Bridgeton, NJ

3

Philadelphia

May 1, 1997

City Bancorp,
Springfield, MO

THE BANK, Springfield,
MO, a de novo bank

3

St. Louis

July 3, 1997

Cobb Limited
Partnership, St. Croix
Falls, WI

Financial Services of St.
Croix Falls, Inc., St. Croix
Falls, WI, and First
National Bank of St. Croix
Falls, St. Croix Falls, WI

CIBC

Minneapolis

June 23, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

Comerzbank AG,
Frankfurt am Main,
Germany

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

4

New York

May 14, 1997

Commercial Bancshares
of Ozark, Inc., Ozark,
AL

The Commercial Bank of
Ozark,
Ozark, AL

3

Atlanta

July 3, 1997

Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A., Rabobank
Nederland, Utrecht,
Netherlands; and
Smith Graham & Co.
Asset Managers L.P.,
Houston, TX

Financial advisor (b)(1) &
(2)

4

New York

June 17, 1997

CoreStates Financial
Corp., Philadelphia, PA

CoreStates Securities Corp.,
Philadelphia, PA,
underwriting; lending
(b)(1); investment advice
(b)(6); and management
consulting (b)(9)

4

Philadelphia

June 27, 1997

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

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

CIBC

Chicago

May 16, 1997

Corley, John William,
(2)
Monticelli, IL

and First State Bank of
Atwood,
Atwood, IL

CIBC

Chicago

May 16, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

CoVest Bancshares,
Inc.,
Des Plaines, IL

CoVest Banc, N.A.
(formerly known as First
Federal Bank for Savings),
Des Plaines, IL

3

Chicago

July 3, 1997

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

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

CIBC

Dallas

April 30,1997

Deer, Charlie,
Monroeville, AL

First Citizens Bancorp, Inc.,
Monroeville, AL
First Citizens Bank of
Monroe County,
Monroeville, AL

CIBC

Atlanta

May 27, 1997

Deutsche Bank, AG
(Main)
Federal Republic of
Germany

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

4

New York

May 12, 1997

Dresdner Bank
AG,Frankfurt,
Germany, and Dresdner
Kleinwort Benson,
New York, NY

extending credit &
servicing loans (b)(1),
leasing personal/real
property (b)(3), trust
company functions (b)(5),
financial/investment advisor
(b)(6); agency transactional
services for customer
investment (b)(8); &
management consulting &
conseling (b)(9)

4

New York

June 17, 1997

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

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

3

Atlanta

June 27, 1997

Edgar County Banc
Shares, Inc.,
Paris, IL

Kansas Banc Corporation,
Kansas, IL, and Kansas
State Bank, Kansas, IL, and
Edgar County Bank & Trust
Co., Paris, IL

3

Chicago

June 30,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

Espeland, James A.,
Henning, MN

Henning Bancshares, Inc.,
Henning, MN,
and First National Bank of
Henning,
Henning, MN, and First
National Bank of Battle
Lake,
Battle Lake, MN

CIBC

Minneapolis

June 26, 1997

Ewen Bancshares, Inc.,
Ewen, MI

State Bank of Ewen,
Ewen, MI

3

Minneapolis

June 26,1997

Exchange Bankshares
Corporation of Kansas,
Atchison, KS

The Farmers and Merchants
State Bank,
Effingham, KS

3

Kansas City

May 2, 1997

F & M Bancorporation,
Inc., Kaukauna, WI,
and F & M Merger
Corporation, Kaukauna,
WI

Clear Lake Bancorp, Inc.,
Clear Lake, WI, and
Landmark Bank, Clear
Lake, WI

3

Chicago

July 3, 1997

Fannin Bancorp, Inc.,
Employee Stock
Ownership Plan
and Trust,
Windom, TX

Fannin Bancorp, Inc.,
Windom, TX, and
Fannin Bank,
Windom, TX

3

Dallas

June 12, 1997

FBA Bancorp, Inc.,
Chicago, IL

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

3

Chicago

June 12,1997

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

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

CIBC

Kansas City

July 2, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeo a t v t
r ciiy

Fields, Alvin L., Honey
Grove, TX, and
Wilburn, Ronald L., San
Antonio, TX

Quadco Bancshares, Inc.,
Ladonia, TX, and
Farmers and Merchants
State Bank,
Ladonia, TX

CIBC

Dallas

June 18,1997

Fifth Third Bancorp,
Cincinnati, OH

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

4

Cleveland

May 27,1997

First Bank System, Inc.
(1),
Minneapolis, MN
CONTINUED

U.S. Bancorp; U.S. Nat'l
Bank of Oregon, Portland,
OR; U.S. Bank of
Washington, N.A., Seattle,
WA; U.S. Bank of Nevada,
Reno, NV; U.S. Bank ot
Utah, Salt Lake City, UT;
U.S. Bank of Idaho, Boise,
ID; U.S. Bank of California,
Sacremento, CA;
CONTINUED

3 and 4

Minneapolis

May 16,1997

First Bank System, Inc.
(2),
Minneapolis, MN
CONTINUED

First State Bank of Oregon,
Canby, OR; Sun Capital
Bank, St. George, UT; and
Business & Professional
Bank, Woodland, CA; West
One Trust Co., Salt Lake
City, UT; LNB Corp.,
Alameda, CA; and U.S.
Bank Trust Co., Portland,
OR, CONTINUED

3 and 4

Minneapolis

May 16,1997

First Bank System, Inc.
(3),
Minneapolis, MN
CONTINUED

personal and institutional
trust & fiduciary activities
(b)(3); U.S. Bancorp
Insurance Agency, Inc.,
Portland, OR, insurance
agency activities (b)(8)(i)
and (vii); U.S. Trade
Services, Inc., Portland,
OR, letter of credit
activities, (b)(l)(iv);
CONTINUED

3 and 4

Minneapolis

May 16,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

First Bank System, Inc.
(4),
Minneapolis, MN
CONTINUED

West One Life Insurance
Co., Portland, OR, credit
reinsurance (bX8X0; CBI
Mortgage, Modesto, CA,
mortgage banking
(bXIXiii); Compass Group,
Inc., Spokane, WA,
investment advisory
services (bX4); Island
Bancorp Leasing, Inc.,
Alameda, CA,
CONTINUED

3 and 4

Minneapolis

May 16,1997

First Bank System, Inc.
(5),
Minneapolis, MN

leasing & equipment
financing (bX5); and
numerous partnerships,
community development
activities, (bX6)

3 and 4

Minneapolis

May 16, 1997

First Bank System, Inc.,
Minneapolis, MN

First Bank National
Association, Fargo, ND

3

Minneapolis

July 3, 1997

First Chicago NBD
Corporation, Chicago, IL

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

4

Chicago

June 30,1997

First Citizens
BancShares, Inc.,
Raleigh, NC

First Savings Financial
Corp.,
Reidsville, NC, and
First Savings Bank of
Rockingham County, Inc.,
SSB, Reidsville, NC

3

Richmond

June 13,1997

First Eldorado
Bancshares, Inc.,
Eldorado,
IL

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

3

St. Louis

July 10, 1997

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

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

3

Dallas

July 11, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquiree o a t v t
r ciiy

First National Bancorp
of River Falls, Inc.,
River Falls, WI

The First National Bank of
River Falls,
River Falls, WI

3

Minneapolis

June 26, 1997

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

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

3

Kansas City

June 27,1997

First State Bancshares of
Blakely, Inc.,
Blakely, GA

First State Bank of
Donalsonville,
Donalsonville, GA

3

Atlanta

June 20, 1997

First United Bancshares,
Inc.,
El Dorado, AR

Fredonia Bancshares, Inc.,
Nacogdoches, TX, and
Fredonia State Bank,
Nacogdoches, TX

3

St. Louis

June 30, 1997

Firstbank Corporation,
Alma, MI

Lakeview Financial
Corporation,
Lakeview, MI, and
Bank of Lakeview,
Lakeview, MI

3

Chicago

June 9, 1997

Florida Bancshares, Inc.,
Dade City, FL

First National Bank of
Pasco,
Dade City, FL

3

Atlanta

April 21, 1997

Fulton Financial
Corporation,
Lancaster, PA

The Peoples Bank of
Elkton,
Elkton, MD

3

Philadelphia

June 23, 1997

Gideon Bancshares
Company,
Dexter, MO

First Midwest Bank of
Chaffee,
Chaffee, MO

3

St. Louis

June 20, 1997

Gold Banc Corporation,
Inc.,
Prairie Village, KS

Peoples Bancshares, Inc.,
Clay Center, KS, and
Peoples National Bank of
Clay Center, Clay Center,
KS

3

Kansas City

June 13, 1997

Greer, Elmo,
East Bemstadt, KY

Cumberland Valley
Financial Company,
London, KY

CIBC

Cleveland

May 23, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquiree o a t v t
r ciiy

Harris Financial MHC,
Harrisburg, PA

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

3

Philadelphia

March 27, 1997

Hibernia Corporation,
New Orleans, LA

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

3

Atlanta

June 14, 1997

Hohl Financial, Inc.,
Wahoo, NE

Wahoo State Bank,
Wahoo, Nebraska

3

Kansas City

May 16, 1997

Huntington Bancshares,
Inc.,
Columbus, OH
CONTINUED

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

4

Cleveland

June 17, 1997

Huntington Bancshares,
Inc., Columbus, OH,
Huntington Capital
Corp.,
Columbus, OH
CONTINUED

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

4

Cleveland

June 17, 1997

Hyder, Ronald Hollis,
and McNabb, Garry
Wayne, both
of Livingston, TN, as co­
trustees of the Melissa
Lynn Oakley 1996 Trust

First Holding Company,
Inc.,
Livingston, TN,
First National Bank of the
Cumberlands,
Livingston, TN

CIBC

Atlanta

June 2, 1997

Industrial Bank of
Japan, Ltd.,
Tokyo, Japan

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

4

New York

May 12, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquiree o a t v t
r ciiy

Intra Financial
Corporation,
Clyde, KS

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

3

Kansas City

June 20, 1997

John Porter Pennington,
El Paso, TX

Ruidoso Bank Corporation,
Ruidoso, NM, and
Ruidoso State Bank,
Ruidoso, NM

CIBC

Dallas

June 11, 1997

Johnson, Willard M., as
managing general
partner of the
WMJ/RMJ Family
Limited Partnership II,
Houston, TX

Jamestown Union
Bancshares, Inc.,
Jamestown, TN, and
Union Bank,
Jameston, TN

CIBC

Atlanta

June 18, 1997

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

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

CIBC

San Francisco

May 5, 1997

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

Kentucky Home Bank,
Bardstown, KY

3

San Francisco

April 17, 1997

Lashute, Ronald J.,
Opelousas, LA

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

CIBC

Atlanta

May 23, 1997

Lauritzen Corporation
(1),
Omaha, NE
CONTINUED

First National of Nebraska,
Inc., Omaha, NE, & First
Nat'l Bank of Kansas,
Overland Park, KS; First
Nat'l Bank and Trust Co.,
Columbus, NE; Fremont
Nat'l Bank, Fremont, NE;
Platte Valley State Bank,
Kearney, NE; First Nat'l
Bank,
CONTINUED

3

Kansas City

June 2, 1997




S c i no law R serveBank
eto f
e

End o comment p r o
f
eid

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

Acquiree o a t v t
r ciiy

Lauritzen Corporation
(2),
Omaha, NE
CONTINUED

North Platte, NE; and First
National Bank of Omaha,
Omaha, NE

3

Kansas City

June 2, 1997

Lauritzen Corporation,
Omaha, NE

First National of Nebraska,
Inc., Omaha, NE, and First
National Bank South
Dakota, Yankton, SD; First
National Bank, Fort Collins,
CO; Union Colony Bank,
Greeley, CO; and The Bank
of Boulder, Boulder, CO

3

Kansas City

June 20, 1997

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

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

4

New York

March 26, 1997

Mansfield Bancshares,
Inc.,
Mansfield, LA

Riverside Bancshares, Inc.,
Logansport, LA,
and Bank of Logansport,
Logansport, LA

3

Dallas

June 12, 1997

Marshall & Ilsey
Corporation,
Milwaukee, WI

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

3

Chicago

May 5, 1997

Mauldin, Leonard P.,
Town Creek, AL,
Mauldin, Macke B.,
Sheffield, AL, and
Mauldin, E. Fennel, Jr.,
Sheffield, AL, as the
MPEFM, II Limited
Partnership

Banclndependent, Inc.,
Sheffield, AL,
and Bank Independent,
Sheffield, AL

CIBC

Atlanta

June 2, 1997




S c i no law Reserve Bank
eto f

End o comment p r o
f
eid

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

Acquiree o a t v t
r ciiy

Meade Bancorp, Inc.,
Brandenburg, KY

Bedford Loan & Deposit
Bancorp, Inc.,
Bedford, KY, and
Bedford Loan & Deposit
Bank,
Bedford, KY

3

St. Louis

June 20, 1997

Midwest
Bancorporation, Inc.;
Midwest Bancshares,
Inc., and Affiliated
Employee
Stock Ownership Plan,
all of Poplar Bluff, MO

Midwest Bancshares, Inc.,
Poplar Bluff, MO, and
First Midwest Bank of
Dexter, Dexter, MO; First
Midwest Bank of Piedmont,
Piedmont, MO; and Carter
County State Bank, Van
Buren, MO

3

St. Louis

June 16, 1997

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

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

3

Dallas

June 30, 1997

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

The Moody National Bank
of Galveston,
Galveston, TX

3

Dallas

June 27, 1997

Morris Mayer
Testamentary Trust,
Walkenhorst, Dale as
Trustee,
Madison, NE

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

CIBC

Kansas City

April 7, 1997

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

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

CIBC

Kansas City

June 26, 1997

MSB Mutual Holding
Company, and MSB
Financial
Corp., both of Wall
Township, NJ

Manasquan Savings Bank,
Wall Township, NJ

3

New York

June 27, 1997

National City
Bancshares, Inc.,
Evansville, IN

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

3

St. Louis

June 6, 1997




S c i no law R s
eto f
e erve Bank

End o comment p r o
f
eid

Applicant or notifkant

Acquiree or activity

NationsBank
Corporation, and NB
Holdings
Corporation, both of
Charlotte, NC

Citizens Bancshares of
Eldon, Missouri, Inc.,
Eldon, MO, and
Citizens Bank of Eldon,
Eldon, MO

3

Richmond

June 26,1997

Neighborhood Bancorp,
San Diego, CA
CONTINUED

extending loand and credit
activities (bXl) & (2), and
consumer financial
counseling (bX6)

3 and 4

San Francisco

June 23,1997

Neighborhood Bancorp,
San Diego, CA
CONTINUED

Neighborhood Nat'l Bank,
San Diego, CA; &
Neighborhood Capital
Advisors, San Diego, CA,
community development
(bX12); financial &
investment advisory (bX6);
Neighborhood Housing
Development Corp., San
Diego, CA, community
development (bX12),
CONTINUED

3 and 4

San Francisco

June 23,1997

New Prague
Bancshares, Inc., New
Prague, MN

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

3

Minneapolis

July 7,1997

New Woodson
Bancshares, Inc.,
Graham, TX

Woodson Bancshares, Inc.,
Woodson, TX, and
First State Bancorp, Inc.,
Carson
City, NV, and First State
Bank, Graham, TX

3

Dallas

June 27,1997

Norma McLane-Smith
Family Limited
Partnership,
Poplar Bluff, MO

Midwest Bancorporation,
Inc.; Midwest Bancshares,
Inc., Poplar Bluff, MI; First
Midwest Bank of Piedmont,
Piedmont,
Mli; First Midwest Bank of
Dexter, Dexter, MI; and
Carter County State Bank,
Van Buren, MI

3

St. Louis

July 3, 1997

Norwest Corporation,
Minneapolis, MN

Myers Bancshares, Inc.,
Dallas, TX, and Continental
State Bank, Boyd, TX

3

Minneapolis

July 3,1997




Section of law

Reserve Bank

End of comment period

A p i a torn t f c n
plcn
oiiat

Acquireeo a t v t
r ciiy

Norwest Corporation,
Minneapolis, MN

Woodhaven National
Bank, Fort Worth, TX

3

Minneapolis

July 3, 1997

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

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

CIBC

Atlanta

June 26, 1997

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

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

CIBC

Atlanta

May 30, 1997

PBT Bancshares, Inc.,
McPherson, KS

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

3

Kansas City

June 6, 1997

Peoples Bank
Employee Stock
Ownership Trust,
Marion, KY

Peoples-Marion Bancorp,
Inc.,
Marion, KY

3

St. Louis

June 12, 1997

Peoples-Marion
Bancorp, Inc.,
Marion, KY

The Peoples Bank,
Marion, KY

3

St. Louis

June 12,1997

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

Peoples Home Savings
Bank,
Beaver Falls, PA

3

Cleveland

May 1,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeora t v t
ciiy

Pinnacle Financial
Services, Inc. (A),
St. Joseph, MI
CONTINUED

CB Bancorp Inc., Michigan
City, IN, & Community
Bank,
FSB, Michigan City, IN,
operating a savings assoc.
(b)(4Xii); Community
Bank, Community Financial
Services Inc., &
Community Brokerage
Services Inc., Michigan
City, IN,
CONTINUED

4

Chicago

June 19,1997

Pinnacle Financial
Services, Inc. (B),
St. Joseph, MI
CONTINUED

financial & investment
advisory (b)(6)(ii), (iii),
(iv), (v) & (vi), & provide
securities brokerage
services, (b)(7)(i) & (ii)

4

Chicago

June 19, 1997

Pinnacle Financial
Services, Inc., (1)
St. Joseph, MI
CONTINUED

Indiana Federal Corp., &
Indiana Federal Bank for
Savings, Valparaiso, IN,
operating a savings
association (b)(4)(ii);
IndFed Mortgage Co.,
Valparaiso, IN, community
development activities
(b)(12); &
CONTINUED

4

Chicago

June 19, 1997

Pinnacle Financial
Services, Inc., (2)
St. Joseph, MI
CONTINUED

provide advice in
connection with financing
transactions (b)(iii); IFB
Investment Services, Inc.,
Valparaiso, IN, financial &
investment advisory (b)(6);
& provide advice in
connection with financing
transactions (b)(iii); &
provide
CONTINUED

4

Chicago

June 19, 1997

Pinnacle Financial
Services, Inc., (3)
St. Joseph, MI
CONTINUED

securities brokerage
services & riskless principal
transactions (bX7), &
Forrest Holdings, Inc., &
Forrest Financial Corp.,
Lisle, IL, leasing
(b)(3(iX&(ii)

4

Chicago

June 19, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

Applicant, or notiflcant

Acquiree or activity

Plainview Holding
Company,
Pilger, NE

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

3

Kansas City

June 23,1997

PN Holdings, Inc.,
Ann Arbor, MI

Pelican National Bank,
Naples, FL (in
organization);
Washtenaw Mortgage
Company,
Ann Arbor, MI, lending
(bXO

3 and 4

Atlanta

April 21,1997

Provident Bankshares
Corporation,
Baltimore, MD

First Citizens Financial
Corp., Gaithersburg, MD,
and Citizens
Savings Bank, F.S.B.,
Gaithersburg, MD,
operating a saving
association (bX4Xii);
originating & selling
residential mortgage loans
(bXl); and selling mortgage
life insurance (b)(l 1X0

4

Richmond

June 30,1997

Randall M. Proctor,
Sandy, OR

CCB Financial Corporation,
Sandy, OR, and Clackamas
County Bank, Sandy, OR

CIBC

San Francisco

June 23,1997

Reich Family Limited
Partnership, Kansas City,
MO, and general
partners Carolyn Reich
Weir, Independence,
MO, and Nancy Reich
Esry, Sarasota, FL

Blue Ridge Bancshares,
Inc., Kansas City, MO, and
Blue Ridge Bank and Trust
Co., Kansas City, MO

CIBC

Kansas City

May 27,1997

Republic Bancshares,
Inc.,
St. Petersburg, FL

F.F.O. Financial Group,
Inc.,
St. Cloud, FL, and First
Federal Savings and Loan
Association of Ocelola
County, Kissimmee, FL,
operating a savings
association (bX4Xii)

4

Atlanta

May 23,1997

Rossenberg, Clifford R.,
Sunset Beach, CA

Security First Bank,
Fullerton, CA

CIBC

San Francisco

May 27, 1997




Section of law

Reserve Bank

End of comment period

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

Acquiree o a t v t
r ciiy

Security Bancshares,
Inc.,
Scott City, KS

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

3

Kansas City

June 20, 1997

Security State
Corporation,
Centralia, WA

Security State Bank,
Centralia, WA

3

San Francisco

June 9, 1997

Simmons First National
Corporation,
Pine Bluff, AR

First Bank of Arkansas,
Russellville, AR, and
First Bank of Arkansas,
Searcy, AR

3

St. Louis

June 27, 1997

State Bank of Hawley
Employee Stock
Ownership Plan and
Trust,
Hawley, MN

Bankshares of Hawley, Inc.,
Hawley, MN, and
State Bank of Hawley,
Hawley, MN

3

Minneapolis

June 27, 1997

Steams Financial
Services, Inc.,
Employee Stock
Ownership Plan Tl, St.
Cloud, MN, and Steams
Financial
Services, Inc., St. Cloud,
MN

Arizona Community Bank
of Scottsdale,
Scottsdale, AZ

3

Minneapolis

June 6, 1997

Sullivan, John C.,
Livingston, MT, and
Hornby, Mary C.,
Las Cruces, NM

Northeastern Wyoming
Bank Corporation,
Newcastle, WY, and
First State Bank of
Newcastle,
Newcastle, WY

CIBC

Kansas City

June 17, 1997

Swiss Bank
Corporation, Basel,
Switzerland

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

4

New York

June 27, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

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

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

3

St. Louis

June 23, 1997

The Union Illinois 1995
Investment Limited
Partnership, Swansea,
IL

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

3

St. Louis

July 7,1997

United Bankshares, Inc.,
Charleston, WV

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

3

Richmond

June 16, 1997

United Rossevelt MHC,
and United Rossevelt
Bancorp,
both of Carteret, NJ

United Rossevelt
Savings Bank,
Carteret, NJ

3

New York

June 23, 1997

Valcourt, Jeffery T.,
Arlington, VA

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

CIBC

Atlanta

June 5, 1997

Village Bancshares,
Inc.,
Springfield, MO

Village Bank,
Springfield, MO (a de
novo state charted bank)

3

St. Louis

June 16, 1997

Waseca Bancshares,
Inc., Waseca, MN

American Savings, Inc.,
Farmington, MM, acquiring
an industrial loan and thrift
company (b)(4)(i)

4

Minneapolis

June 24, 1997

Waymon Heriot Welch,
Jr., Memphis, TN

Noshoba Bancshares, Inc.,
Memphis,
TN, and Nashoba Bank,
Germantown, TN

CIBC

St. Louis

June 23, 1997

Zions Bancorporation,
Salt Lake City, UT

Tri-State Bank,
Montpelier, ID

3

San Francisco

June 6, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

H.2A
N t c o Formations and Mergers o,and A q i i i n b ,Bank Holding
oie f
f
custos y
Companies; Change i Bank Control
n
Notices Filed since the H.2A dated June 13,1997
The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act of
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j)), Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board of Governors, no
later than the end of the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end of this release.
The public portions of the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;
addresses are listed at the end of this release. Applications and notices also may be obtained from the
Board.
Applicant or notificant

Acquiree or activity

ABC Bancorp, Moultrie,
GA

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

3

Atlanta

July 18, 1997

AMFED Financial, Inc.,
Minneapolis, MN

Norwest Bank Nevada,
National Association, Las
Vegas, NV

3

Minneapolis

July 14, 1997

Bankers Trust New
York Corporation(l),
New York, NY
CONTINUED

Alex Brown Inc.,
Baltimore, MD,
underwriting & dealing in,
to a limited extent, all types
of debt & equity securities
other than interests in open
end investment companies;
making, acquiring,
brokering & servicing loans
or other extensions of
CONTINUED

4

New York

July 3, 1997




Section of law

Reserve Bank

End of comment period

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

Acquiree o a t v t
r ciiy

Bankers Trust New
York Corporation^),
New York, NY
CONTINUED

credit (b)(1); trust company
activities (b)(5); acting as
investment or financial
advisor (b)(6); securities
brokerage services (b)(7);
buying & selling securities
(b)(7); acting as agent for
the private placement of
securities (b)(7);
CONTINUED

4

New York

July 3, 1997

Bankers Trust New
York Corporation^),
New York, NY
CONTINUED

underwriting & dealing in
obligations of the U.S.
(b)(8); providing
administrative & other
services to investment
companies.

4

New York

July 3, 1997

Banterra Corp,
Eldorado, IL

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

3

St. Louis

July 18, 1997

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

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

CIBC

Kansas City

July 3, 1997

Cabot Bankshares, Inc.,
Cabot, AR
CORRECTION

The Capital Bank, Little
Rock, AR

3

St. Louis

July 11, 1997

Century South Banks,
Inc., Dahlonega, GA

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

3

Atlanta

July 18, 1997

Deposit Guaranty Corp.,
Jackson, MS

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

4

Atlanta

July 3, 1997




S c i no law R s
eto f
e erveBank

End o comment p r o
f
eid

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

Acquireeora t v t
ciiy

Enterbank Holdings,
Inc., Clayton, MO

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

3

St. Louis

July 14, 1997

F & M Bancorporation,
Inc., Kaukauna, WI,
and F & M Merger
Corporation, Kaukauna,
WI
CORRECTION

Clear Lake Bancorp, Inc.,
Clear Lake, WI, and
Landmark Bank, Clear
Lake, WI

3

Chicago

July 3, 1997

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

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

CIBC

Chicago

July 9, 1997

Huntington Bancshares
Incorporated(l),
Columbus, OH
CONTINUED

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

3 and 4

Cleveland

July 18,1997

Huntington Bancshares
Incorporated(2),
Columbus, OH
CONTINUED

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

3 and 4

Cleveland

July 18,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

Huntington Bancshares
Incorporated(3),
Columbus, OH
CONTINUED

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

3 and 4

Cleveland

July 18, 1997

Huntington Bancshares
Incorporated(4),
Columbus, OH

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

3 and 4

Cleveland

July 18, 1997

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

American National
Creighton
Company, Creighton, NE

3

Kansas City

July 18, 1997

Murfreesboro Bancorp,
Inc., Murfreesboro, TN

Bank of Murfreesboro,
Murfreesboro, TN

3

Atlanta

July 18,1997

Northway Financial,
Inc., Berlin, NH

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

3

Boston

July 17, 1997

Norwest Corporation,
Minneapolis, MN

Revelation Mortgage
Company of America,
Washington, D.C.
residential mortgage
lending activities (b)(1) and
(b)(2)

4

Minneapolis

July 8, 1997

Norwest Corporation,
Minneapolis, MN

AMFED Financial, Inc.,
Minneapolis, MN,
and Norwest Bank, Nevada,
N.A., Las
Vegas, NV

3

Minneapolis

July 14, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquiree o a t v t
r ciiy

Peoples Community
Bancshares, Inc., .
Colquitt,
GA

Farmers Bank of Malone,
Malone, FL

3

Atlanta

July 14, 1997

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

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

3

Kansas City

July 18, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

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




Information Requests
The public portions of the applications and notices currently listed in this release are available on an
expedited basis from the appropriate Federal Reserve Bank. The public portion of the application also
may be obtained from the Board.
Federal Reserve Bank of Boston

Jonathan Fine (TEL: 617-973-3339; FAX: 617-973-3219)
Federal Reserve Bank of New York

Margaret Carmody (TEL: 212-720-7924; FAX: 212-720 -6628)
Federal Reserve Bank of Philadelphia

Rosanna Crosier (TEL: 215-574-6581; FAX: 215-574-4146)
Federal Reserve Bank of Cleveland

Jim Terlop (TEL: 216-579-2197; FAX: 216-579-2932)
Federal Reserve Bank of Richmond

Gaile Clark (TEL: 804-697-8825; FAX: 804-697-8283)
Federal Reserve Bank of Atlanta

Wayne Smith (TEL: 404-589-7265; FAX: 404-589-7342)
Federal Reserve Bank of Chicago

Frank Skweres (TEL: 312-322-4785; FAX: 312-322-5894)
Federal Reserve Bank of SL Louis

Cathie Windsor (TEL: 314-444-4638; FAX: 314-444-8740)
Federal Reserve Bank of Minneapolis

Paula Charles (TEL: 612-372-2982; FAX: 612-344-2702)
Federal Reserve Bank of Kansas City

Patty Biesemeyer (TEL: 816-881-2464; FAX: 816-881-2252)
Federal Reserve Bank of Dallas

Rob Jolley (TEL: 214-922-6071; FAX: 214-922-6302)
Federal Reserve Bank of San Francisco

Michael Johnson (TEL: 415-974-2995; FAX: 415-974-3031)
Board o f Governors of the Federal Reserve System

Freedom of Information Office (TEL: 202-452-3684; FAX: 202-872-7562, and 202-872-7565)




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