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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE S¥ST|M

H.2, 1992, NO. 25
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending June 20, 1992

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

TESTIMONY AND STATEMENTS
Lease Purchase Agreement Act (H.R. 4497) -- statement
by Griffith L. Garwood, Director, Division of
Consumer and Community Affairs before the
Subcommittee on Consumer Affairs and Coinage of the
House Committee on Banking, Finance and Urban
Affairs, June 24, 1992.
Authorized, June 19, 1992.
BANK HOLDING COMPANIES
Golden Financial Corporation, Elizabethtown, Kentucky
— to acquire Fort Knox National Bank, Radcliff,
Kentucky.
Approved, June 15, 1992.
ENFORCEMENT
First Indo - American Bank, San Francisco, California
— written agreement dated June 8, 1992, with the
Federal Reserve Bank of San Francisco.
Announced, June 19, 1992.
FNB Rochester Corporation, Rochester, New York -issuance of consent order.
Announced, June 19, 1992.
Union Texas Bancorporation, Inc., Laredo, Texas -written agreement dated June 12, 1992, with the
Federal Reserve Bank of Dallas.
Announced, June 19, 1992.
FORMS
Statement of Purpose of an Extension of Credit by a
Creditor (FR T-4) — three-year extension.
Approved, June 17, 1992.
INTERNATIONAL OPERATIONS




BankAmerica Corporation, San Francisco, California -to make an investment in Security Pacific Finance
Limited, Reading, England.
Permitted, June 15, 1992.
Security Pacific EuroFinance Inc., Los Angeles,
California — to invest in Security Pacific
EuroFinance PLC, London, England.
Permitted, June 15, 1992.

H .2
JUNE 15, 1992
PAGE 2

TO

JUNE 19, 1992

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 HOLDING COMPANIES




Chicago

Cascade Bancor I, Inc., Cascade, Wisconsin — to
acquire Cascade Bancorporation, Inc., Altoona,
Iowa, and State Bank of Cascade, Cascade,
Wisconsin.
Returned, June 15, 1992.

Atlanta

CBA Bankshares, Inc., Americus, Georgia —
Citizens Bank of Americus.
Approved, June 19, 1992.

San Francisco

Command Credit Corporation, Rockville Centre, New
York — to acquire Republic National Bancorp,
Phoenix, Arizona.
Returned, June 18, 1992.

San Francisco

Command Credit Corporation, Rockville Centre, New
York — to engage in credit card, data processing,
management consulting, and collection agency
activities.
Returned, June 18, 1992.

Minneapolis

Country Bankers, Inc., Blooming Prairie, Minnesota —
to acquire Farmers and Merchants State Bank of
Blooming Prairie, and Citizens State Bank of
Hayfield, Hayfield, Minnesota.
Approved, June 19, 1992.

to acquire

H .2
JUNE 15,
PAGE 3

1992

TO

JUNE 19,

1992

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

BANK HOLDING COMPANIES




GC

Dickinson Financial Corporation, Chillicothe,
Missouri — determination that Dickinson Financial
does not control Golden Financial Corporation,
Elizabethtown, Kentucky.
Granted, June 16, 1992.

Chicago

First Community Bancshares Corp. Anamosa, Iowa — to
,
acquire First Community Bancshares, Inc., Milton,
Wisconsin, and First Community Bank.
Approved, June 17, 1992.

Chicago

First Community Bancshares Corp., Anamosa, Iowa — to
acquire Lersernal Corporation, Anamosa, Iowa, and
Citizens Savings Bank.
Approved, June 17, 1992.

Atlanta

Middle Georgia Corporation, Ellaville, Georgia — to
acquire CBA Bankshares, Inc., Americus, Georgia,
and Citizens Bank of Americus.
Approved, June 19, 1992.

Cleveland

National City Corporation, Cleveland, Ohio, and
National Processing Company, Inc., Louisville,
Kentucky — to acquire Check Security Services of
America Incorporated, Houston, Texas.
Approved, June 19, 1992.

Cleveland

Premier Financial Bancorp, Inc., Vanceburg,
Kentucky — to acquire Bank of Germantown,
Germantown, Kentucky.
Approved, June 17, 1992.

Dallas

U B & T Holding Co., Abilene, Texas —
United Bank & Trust.
Returned, June 18, 1992.

Kansas City

United Bancorporation of Wyoming, Inc., Jackson,
Wyoming — to acquire The State Bank West.
Approved, June 15, 1992.

Philadelphia

USBANCORP, Inc., Johnstown, Pennsylvania — to engage
de novo in trust company activities through
USBANCORP Trust Company.
Permitted, June 18, 1992.

to acquire

H .2
JUNE 15,
PAGE 4

1992

TO

JUNE 19,

1992

ACTIO NS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK HOLDING COMPANIES
Chicago

Valley Bancorporation, Appleton, Wisconsin — to
acquire United Savings and Loan Association,
Sheboygan, Wisconsin.
Approved, June 19, 1992.

St. Louis

W.B.T. Holding Company, Memphis, Tennessee — to
engage de novo in making residential mortgages and
secured commercial loans.
Permitted, June 18, 1992.

Dallas

Zapata Bancshares, Inc., Mercedes, Texas —
bank control.
Returned, June 17, 1992.

Kansas City

405 Corporation, La Junta, Colorado — to become a
bank holding company through conversion of Ark
Valley Industrial Bank, La Junta, Colorado, and
Castle Rock Industrial Bank, Castle Rock, Colorado,
into state-chartered commercial banks.
Approved, June 18, 1992.

change in

BANK MERGERS
Chicago

NBD Bank, National Association, Detroit, Michigan —
to acquire certain assets and assume certain
liabilities of the Roosevelt Park, Michigan, branch
of Great Lakes Bancorp, FSB, Ann Arbor, Michigan.
Approved, June 15, 1992.

BANK PREMISES




Kansas City

Bank of Holden, Holden, Missouri —
bank premises.
Approved, June 19, 1992.

Chicago

Comerica Bank - Detroit, Detroit, Michigan —
investment in bank premises.
Approved, June 18, 1992.

investment in

H .2
JUNE 15,
PAGE 5

1992

TO

JUNE 19,

1992

ACTIO NS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANKS, STATE MEMBER
Philadelphia

Pennsylvania Independent Bank, Camp Hill,
Pennsylvania — to relocate the head office to 1400
Market Street, from 3975 Trindle Road.
Approved, June 17, 1992.

CAPITAL STOCK
Atlanta

Brannen Banks of Florida, Inc., Inverness, Florida —
redemption of shares.
Approved, June 18, 1992.

Kansas City

Century Bancshares, Inc., Parsons, Kansas —
redemption of shares.
Approved, June 17, 1992.

Kansas City

Wheatland Bankshares, Inc., Wheatland, Wyoming —
redemption of shares.
Approved, June 18, 1992.

CHANGE IN BANK CONTROL
Atlanta

Brannen Banks of Florida, Inc., Inverness, Florida —
change in bank control.
Permitted, June 18, 1992.

Chicago

Iowa State Bank Holding Company, Des Moines, Iowa —
change in bank control.
Returned, June 19, 1992.

Dallas

Peoples Bancshares, Inc., Belton, Texas —
bank control.
Permitted, June 15, 1992.

Kansas City

Wheatland Bankshares, Inc., Wheatland, Wyoming —
change in bank control.
Permitted, June 18, 1992.

change in

COMPETITIVE FACTORS REPORTS




Dallas

American Federal Savings Bank, F.S.B. Dallas, Texas,
proposed assumption of deposit liabilities and
transfer of assets of nine branches of Bluebonnet
Savings Bank, F.S.B — report on competitive
factors.
Submitted, June 15, 1992.

H .2
JUNE 15,
PAGE 6

1992

TO

JUNE 19,

1992

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

COMPETITIVE FACTORS REPORTS




San Francisco

American Savings Bank, FA, Irvine, California,
proposed exchange of nine branches for eight
branches of Home Savings of America, A Federal
Savings Bank, Irwindale, California — report on
competitive factors.
Submitted, June 18, 1992.

San Francisco

Bank of Scottsdale, Scottsdale, Arizona, proposed
merger with Ameriwest Bancor, Inc., Phoenix,
Arizona — report on competitive factors.
Submitted, June 16, 1992.

Atlanta

Citizens and Southern National Bank of Florida, Fort
Lauderdale, Florida, proposed merger with NCNB
National Bank of Florida, Tampa, Florida, and
NationsBank Trust Company (Florida), N.A., Fort
Myers, Florida — report on competitive factors.
Submitted, June 18, 1992.

Cleveland

First National Bank of Zanesville, Zanesville, Ohio,
proposed purchase of certain assets and assumption
of the liabilities of the Dresden, Ohio, branch of
Home Savings of America, F.S.B., Irwindale,
California — report on competitive factors.
Submitted, June 15, 1992.

Boston

Haymarket Co-Operative Bank, Boston, Massachusetts,
proposed acquisition of the assets and assumption
of the liabilities of CapeBank, a Massachusetts CoOperative Bank, Hyannis, Massachusetts — report on
compet it ive factors.
Submitted, June 16, 1992.

Chicago

Liberty Bank and Trust, Forest City, Iowa, proposed
merger with North Iowa State Bank, Belmond, Iowa —
report on competitive factors.
Submitted, June 15, 1992.

Chicago

NBD Bank, National Association, Detroit, Michigan,
proposed purchase of certain assets and assumption
of the liabilities of the Roosevelt Park, Michigan,
branch of Great Lakes Bancorp, FSB, Ann Arbor,
Michigan — report on competitive factors.
Submitted, June 15, 1992.

H .2
JUNE 15,
PAGE 7

1992

TO

JUNE 19,

1992

ACTIO NS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS
Atlanta

Northern Trust Bank of Florida / Sarasota, N.A.,
Sarasota, Florida, proposed merger with Northern
Trust Bank of Florida, N.A., Miami, Florida —
report on competitive factors.
Submitted, June 16, 1992.

New York

Southold Savings Bank, Southold, New York, proposed
merger with The North Fork Bank and Trust Company,
Mattituck, New York — report on competitive
factors.
Submitted, June 19, 1992.

Chicago

Standard Bank and Trust Company, Evergreen Park,
Illinois, proposed merger with Standard Bank and
Trust Company of Hickory Hills, Hickory Hills,
Illinois — report on competitive factors.
Submitted, June 16, 1992.

EXTENSIONS OF TIME




San Francisco

BankAmerica Corporation, San Francisco, California
extension to divest certain property.
Granted, June 17, 1992.

New York

Bessemer Group, Incorporated, Woodbridge, New
Jersey — extension to June 5, 1993, to conform
investment in Bessemer Real Estate Advisors, Inc.,
with requirements of the Bank Holding Company A c t .
Granted, June 19, 1992.

Chicago

Comerica Bank - Detroit, Detroit, Michigan —
extension to December 26, 1992, to establish a
branch at One Detroit Center, 500 Woodward Avenue.
Granted, June 18, 1992.

Atlanta

First Central Bank, Lenoir City, Tennessee —
extension to October 10, 1992, to acquire First
Central Bank.
Granted, June 19, 1992.

H.2
JUNE 15, 1992
PAGE 8

TO

JUNE 19, 1992

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

INTERNATIONAL OPERATIONS
Secretary

First Interstate Bank International/ Los Angeles,
California — amendment to articles of association
Approved, June 18, 1992.

Kansas City

State Bank West, Jackson, Wyoming — to become a
member of the Federal Reserve System.
Approved, June 16, 1992.

MEMBERSHIP

RESERVE BANK SERVICES




Director/ FRBO

Federal Reserve Bank of Richmond — Charleston and
Columbia offices to participate in a pilot as
keeper banks in the National Association for Check
Safekeeping TRX truncation program.
Approved, June 17, 1992.

H.2
JUNE 15, 1992
PAGE 9

ADDITIONS AND CORRECTIONS
TO

JUNE 19, 1992

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

REGULATIONS AND POLICIES
Capital equivalency — joint report to the House and
Senate Banking Committees analyzing comparability
of capital standards and establishment of
guidelines as required by Section 214(b) of the
Foreign Bank Supervision Enhancement Act of 1991.
Approved, June 12, 1992.

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

BANK HOLDING COMPANIES
Philadelphia

First Fidelity Bancorporation, Lawrenceville, New
Jersey — proposal that First Fidelity Bank, N.A.
New York, Bronx, New York, a de novo bank, purchase
five branches of American Savings Bank, White
Plains, New York.
Approved, June 12, 1992.

BANK MERGERS




New York

Banco Popular de Puerto Rico, San Juan, Puerto Rico - to purchase certain assets and assume certain
liabilities of American Savings Bank, White Plains,
New York, and to establish branches.
Approved, June 12, 1992.

New York

Bank of New York, New York — to purchase certain
assets and assume certain liabilities of American
Savings Bank, White Plains, New York, and of
Riverhead Savings Bank, Riverhead, New York, and to
establish branches.
Approved, June 12, 1992.

H .2
JUNE 15,
PAGE 10

A D D IT IO N S AND CORRECTIONS
1992

TO

JUNE 19,

1992

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

BANK PREMISES
New York

Banco Popular de Puerto Rico, San Juan, Puerto Rico - investment in bank premises.
Approved, June 12, 1992.

New York

Bank of New York, New York —
premises.
Approved, June 12, 1992.

San Francisco

Barnes Banking Company, Kaysville, Utah —
in bank premises.
Approved, June 12, 1992.

investment in bank

investment

BANKS, FOREIGN
New York

Banco Santander, S.A., Santander, Spain — to acquire
First Fidelity Bank, N.A., New York, Bronx, New
York.
Approved, June 12, 1992.

COMPETITIVE FACTORS REPORTS




Kansas City

Bates County National Bank, Butler, Missouri,
proposed merger with First Bank of Butler, Butler,
Missouri — report on competitive factors.
Submitted, June 11, 1992.

San Francisco

Coast Federal Bank, A Federal Savings Bank, Los
Angeles, California, proposed exchange of related
assets and deposit liabilities of three branches of
Eurekabank, A Federal Savings Bank, Foster City,
California — report on competitive factors.
Submitted, June 12, 1992.

Atlanta

Farmers State Bank, Mountain City, Tennessee,
proposed merger with Farmers State Interim Bank —
report on competitive factors.
Submitted, June 12, 1992.

Kansas City

State Bank of Whiting, Whiting, Kansas, proposed
merger with The Peoples Exchange Bank of Elmdale,
Kansas, Elmdale, Kansas — report on competitive
factors.
Submitted, June 11, 1992.

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY
Application

Comment Period Ending Date
NONE
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE

Application

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

Application

Comment Period Ending Date
NONE

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

Application
NONE
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
**Rating Definitions:
"0" - Outstanding; "S" - Satisfactory;
- Needs to Improve; "SN" - Substantial Noncompliance.
Institution

Examination Date
NONE

♦Subject to CRA




Rating**

"N"

Federal Reserve Bank of New York
Comment Period
Ending Date
SECTION I
Applications Subject to Newspaper
___________ Notice Only___________
Fleet Bank of New York, Albany, New York to merge with
Norstar Bank, N.A., Buffalo, New York.1/

7/15/92

SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
ONBANCorp, Inc., Syracuse, New York, to acquire 100
percent of the outstanding shares of The Merchants
National Bank and Trust Company of Syracuse, Syracuse,
New York and Union National Bank, Albany, New York.l/

7/6/92 2/

SECTION III
Nonbanking Applications
(Subject to Federal Register Notice Only)
Great Falls Bancorp, Totowa, New Jersey, to acquire
51 percent of NJ Mortgage Company, and thereby to engage
in mortgage banking and services to be performed for
Great Falls Bank in connection with its mortgage banking
activities.

7/13/92

Bankers Trust New York Corporation, New York, New York
to engage in community development activities with
respect to qualified low income housing improvement
projects and related commercial facilities through a
limited partnership investment in New York Equity Fund
1992 Limited Partnership.

6/25/92

J.P. Morgan & Co., Incorporated, New York, New York to
engage in community development activities with respect
to qualified low income housing improvement projects
and related commercial facilities through a limited
partnership investment in New York Equity Fund 1992
Limited Partnership.

N/A

SECTION IV
Applications Not Involving
______ Public Comment______
None.




SECTION V
Availability of CRA Public Evaluations
In connection with the assessment of each insured depository institution's
CRA performance, a rating is assigned from the following group:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and
is a leader in, ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of
ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record
of ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record
of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate- income neighbor­
hoods, in a manner consistent with its resources and capabilities.
Week Ending June 20. 1992
NAME OF BANK

RATING

EXAMINATION DATE

None.

1/
2/
3/
4/

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




FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
Comment Period Ending Date

None.

SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND
FEDERAL REGISTER NOTICE
Comment Period Ending Date
None.

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
Comment Period Ending Date
None.
*
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE

None.

1/ Subject to provisions of Community Reinvestment Act
* N/A - not yet available.




FEDERAL RESERVE BANK OF PHILADELPHIA
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
The following institutions were examined for CRA, The 30-business day period the bank
has to make the evaluation public has lapsed during the week ending June 19, 1992,
Identification of Ratings
In connection with the assessment of each insured depository
performance, a rating is assigned from the following groups:

institution's

CRA

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

Nn.
oe

CRA Rating

F e d e r a l R e s e r v e B a n k of C l e v e l a n d

Applications Bulletin
For Week Ending June 20, 1992
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
NONE

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
Received Section 3( a ) (3) application from
Society Corporation, Cleveland, Ohio, on
June 10, 1992, to acquire First of America
Bank-Monroe, Monroe, Michigan.

* F: July 13, 1992

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY

Received Section 4 ( c ) (8) application from
Cardinal Bancshares, Inc., Lexington,
Kentucky, on June 12, 1992, to acquire First
Federal Savings Bank Pineville, Kentucky.
Received Section 4 ( c ) (8) notification from
Mellon Bank Corporation, Pittsburgh,
Pennsylvania, on June 4, 1992, to engage in
providing investment or financial advice,
providing foreign exchange and transactional
services, and providing investment advice on
financial futures and options on futures to
clients throughout the world pursuant to
Sections 225.25 (b) (4), (b) (17), and (b) (19)
of Regulation Y through its subsidiary,
Pareto Partners.

*
N
F
#

-

* July 13, 1992

July 6, 1992

Subject to CRA
Newspaper Comment Period
Federal Register Comment Period
Expected to end approximately 30 days from date of
application's receipt.




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




NONE

Federal Reserve Bank of Richmond

Section I - Applications Subject to Newspaper
Notice Only
Application

Comment Period Ending Date

Bank of Clarke County, Berryville,
Virginia, to establish a branch at
625 Apple Blossom Drive, Winchester,
Virginia.*

7-12-92

The Farmers National Bank of Appomattox,
Appomattox, Virginia, for membership in
the Federal Reserve System.*

7-16-92

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

Comment Period Ending Date

Carolina First BancShares, Inc., Lincolnton,
North Carolina, to acquire Cabarrus Bank of
North Carolina, Inc., Concord, North Carolina.*

Regency Bancshares, Inc., Hickory, North
Carolina, to become a bank holding company
through the acquisitions of Davidson Savings
Bank, Inc., SSB, Lexington, North Carolina,
and First Savings Bank, Inc., SSB, Hickory,
North Carolina.*

7-17-92

Not yet available.

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

None.

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

*Application is subject to CRA requirements.



Comment Period Ending Date

Federal Reserve Bank of Richmond
Availability of CRA Public Evaluations
Week ending June 19, 1992

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

Examination
Date

None.




Rating

F e d e r a l R e s e r v e B a n k of A t l a n t a
A p p l i c a t i o n s B u l l e t i n for W e e k E n d i n g Ju n e

19.

1992

Section 1 - Applications Subject to Newspaper Notice Only

Application

Comment Period Ending Date

Trust Company Bank
Atlanta, Georgia
To establish a limited-service branch
at 3100 Northside Parkway, N.W . , Atlanta,
Georgia.

07-05-92*

Central Bank of the South
Birmingham, Alabama
To establish a drive-in facility to be
known as the Downtown Drive-In, located
at 2114 2nd Avenue, North, Birmingham, Alabama.

06-27-92*

Trust Company Bank
Atlanta, Georgia
To establish a remote drive-in facility to be
known as Galleria Drive-In, located at 300
Galleria Parkway, Atlanta, Georgia.

06-28-92*

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

Comment Period Ending Date

Broadstreet, Inc.
Atlanta, Georgia
1-BHC formation, AmTrade International
Bank of Georgia, Atlanta, Georgia (in
organization).

06-08-92*
Federal Register

United Community Banks, Inc.
Blairsville, Georgia
To acquire Mountain Bank of Georgia,
Hiawassee, Georgia.

07-02-92*
Federal Register

♦ S u b j e c t t o P r o v i s i o n s of t h e C o m m u n i t y R e i n v e s t m e n t A c t .




F e d e r a l R e s e r v e B a n k of A t l a n t a
Applications Bulletin for Week Ending June

19.

1992

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

Comment Period Ending Date

Walthall Capital Group, Ltd.
06-16-92*
Tylertown, Mississippi
Federal Register
Change in control by William E. Hathorn
& Danny M. Trusty to acquire an additional
43.71 percent of the outstanding shares
of common stock to be placed in voting trust.
The acquisition will increase their total
ownership to 66.13 percent.
BankersTrust of Alabama, Inc.
Madison, Alabama
Change in control by Thomas Michael Turner
to acquire an additional 4.9 percent of
BankersTrust of Alabama.
The acquisition
will increase his total ownership to 12.6
percent.
SouthTrust Corporation
Birmingham, Alabama
Along with SouthTrust of South Carolina,
Inc., Charleston, South Carolina, to acquire
Carolina Financial Corporation, Charleston,
South Carolina, pursuant to Section 4 ( c ) (8)
of the Bank Holding Company Act, and thereby
indirectly acquire its thrift subsidiary,
Home Federal Savings Bank, Charleston, South
Carolina, pursuant to Section 5 ( d ) (3) of the
Federal Deposit Insurance Act, as amended by
the Federal Deposit Insurance Corporation
Improvement Act of 1991.
Bank Corporation of Georgia
Macon, Georgia
To acquire First South Bank of Ben Hill
County, N.A., Fitzgerald, Georgia (in
organization).

♦Subject




to P r o v i s i o n s

Not yet available*

07-06-92*
Newspaper

07-06-92*
Federal Register

of t h e C o m m u n i t y R e i n v e s t m e n t A c t .

F e d e r a l R e s e r v e B a n k of A t l a n t a
Applications Bulletin for W e e k Ending June

19.

1992

Section 2 - Applications Subject To Both
Newspaper and Federal Register Notice

Application

Comment Period Ending Date

Bank Corporation of Georgia
Macon, Georgia
To acquire First South Bank of Jones
County, N.A., Gray, Georgia (in
organization).

07-06-92*
Federal Register

Bank Corporation of Georgia
Macon, Georgia
To acquire First South Bank of Coweta
County, N. A . , Newnan, Georgia (in
organization).

07-06-92*
Federal Register

Section 3 - Applications Subject to Federal
Register Notice Only

Application

Comment Period Ending Date

PCB Bancorp, Inc.
Largo, Florida
To engage de novo in correspondent
mortgage lending, pursuant to Section
225.25(b)(1) of Regulation Y.

07-13-92

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
International Bancorp of Miami, N.V.
Miami, Florida
Commitment waiver request.

♦Subject




t o P r o v i s i o n s of t h e C o m m u n i t y R e i n v e s t m e n t A c t .

F e d e r a l R e s e r v e B a n k of A t l a n t a
A p p l i c a t i o n s B u l l e t i n for W e e k E n d i n g J u n e 19.

1992

Section 10 - Availability of CRA Public Evaluations

The CRA public evaluations of the insured depository institutions
listed below became available during this week. Information about
an institution's CRA evaluation may be obtained directly from the
institution. In connection with the assessment of an institution's
CRA performance, a rating is assigned from the following groups:
Outstanding record of meeting community credit needs:
An
institution has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire
delineated
community,
including
lowand
moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.
Satisfactory record of meeting community credit needs:
An
institution has a satisfactory record of ascertaining and helping
to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs:
An
institution needs to improve its overall record of ascertaining and
helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs:
An
institution has a substantially deficient record of ascertaining
and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.

Examination
Bank
Emerald Coast State Bank
Post Office Box 3040
Ft. Walton Beach, Florida
(904) 244-9293
First Bank of Crestview
Post Office Box 877
Crestview, Florida 32536
(904) 682-2737




Rating
Needs to Improve

Date
03-16-92

32548

Satisfactory

03-16-92

F e d e r a l R e s e r v e B a n k of A t l a n t a
A p p l i c a t i o n s B u l l e t i n f o r W e e k E n d i n g J u n e 19.

1992

Section 10 - Availability of CRA Public Evaluations
Grovegate Bank
Post Office Box 1999
Miami, Florida 33223
(305) 448-6888




Satisfactory

03-16-92

Federal Reserve Bank of Chicago
Section I

-

Applications Subject to N e w s p a p e r
Notice Only
Comment Period
Ending Date

Type

Application

Bran c h ! 2 Ah

Ha w k e y e B a n k & Trust of Des Moines
Des Moines, Iowa
3640 86th Street
Urbandale, Iowa
Cl o s i n g b r a n c h at 8000 Hickman
D e s Moines, Iowa*

N

- 7-6-92

Branch

First B a n k Nor t h
Freeport, Illinois
2470 Eas t r o c k D rive
Rockford, Illinois*

N

- 6-26-92

Merger!
Branch

D e Motte State B a n k
DeMotte, Indiana
Knox, Indiana branch of Ameritrust
National Bank, Elkh a r t , Indiana
Bran c h at 307 Carlson Drive
Knox, Indiana*

N

- 6-26-92

EF T

Sparta State B a n k
Sparta, Michi g a n
Great D a y Foods, 565 S. State Street
Sparta, Michigan*

N

- **

Type

Section II - Applic a t i o n s Subject to Both N e w s p a p e r a n d Federal
Register Notice
Comment Period
Applic a t i o n
Ending Date

Y-l

IBC Bancorp, I n c .
Chicago, Illinois
International B a n k of Chicago
Chicago, Illinois (in organization)*

FR N
-

Y-l

A m e r i c a n Chartered Bancorp II, Inc.
L a k e Zurich, Illinois
A m e r i c a n Chartered Bank of Lake Zurich
Lake Zurich, Illinois*

F R - 7-13-92
N
7-4-92

Y-l

Cascade B a n c o r I, Inc.
Cascade, Wisconsin
Cascade Bancorporation, Inc.
Altoona, Iowa
State B a n k o f Cascade
Cascade, Wisconsin*

FR
7-6-92
N
- 6-19-92




-

7-13-92
6-22-92

Federal Reserve Bank of Chicago

Type

Section II - Applications Subject to Both Newspaper and Federal
Register Notice
(continued)
Comment Period
Application
Ending Date

Y-l

J o n e s Bancorp, Inc.
Marcellus, Michigan
G.W. Jones Exchange B ank
Marcellus, Michigan*

CoC-HC

Overton Bank Shares, Inc.
Mondamin, Iowa
James F. & Donald F. Schwertley and
James R. King

CoC-HC

Iowa State Bank H o l d i n g C o mpany
D e s Moines, Iowa
Marvin R. Selden, Jr.; Melvin H. Nielsen;

FR 7-6-92
N
- 6-20-92

FR - 6-29-92

N

- **

FR - 7-8-92
N
- **

Dennis L. Gallagher; Robert F.
McLaughlin and Doris R. Olson, as Trustees
for the Hugh Gallagher Trust
Y-2

First Financial Corporation
Terre Haute, Indiana
First Citizens o f Paris, Inc.
Paris, Illinois
The Citizens National B a n k o f Paris
Paris, Illinois*

FR - **
N
- **

Y-2

N B D Bancorp, Inc.
Detroit, Michigan
INB Financial Corporation
Indianapolis, Indiana
INB National Bank
Indianapolis, Indiana
INB Banking Company
Jeffersonville, Indiana
INB Banking Company, North
Chesterton, Indiana
INB Banking Company, Southwest
Evansville, Indiana
INB Banking Company, Northeast
Fort Wayne, Indiana
INB National Bank, N.W.
Lafayette, Indiana

FR - **
N
- **




Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspaper and Federal
Register Notice
(continued 1
Comment Period
Ending Date

Type

A p p lication

Y-2

N B D I n d i a n a , Inc.
Detroit, Mic h i g a n
INB Financial Corporation
Indianapolis, Indiana
INB National B a n k
Indianapolis, Indiana
INB B a n k i n g Company
J e f f e r s o n v i l l e , Indiana
INB B a n k i n g Company, North
Chesterton, Indiana
INB B a n k i n g Company, Southwest
Evansville, Indiana
INB B a n k i n g Company, Northeast
Fort Wayne, Indiana
INB National Bank, N.W.
Lafayette, Indiana

F R - **
N
- **

Y-2/Oakar

First h a n k Corporation
Alma, Michi g a n
Clare, M ichigan branch of Great
Lak e s Bancorp, F.S.B.
A n n Arbor, Michigan*

FR - **
N - **

Y-l

SC Bancorp, Inc.
Worth, Illinois
The Sun C i t y B ank
Sun City, Arizona*

FR - **
N - **

Y-2

Southwest Bancorp, Inc.
Worth, Illinois
S C Bancorp, Inc.
Worth, Illinois
The Sun C i t y B a n k
Sun City, Arizona*

FR - **
N - **

Y-l

First Commu n i t y Bancshares, Inc.
B a r g e r s v i l l e , Indiana
Barge r s v i l l e Federal Savings B a n k
Bargersville, Indiana*

FR N
-

CofC-HC

B o s s h a r d Financial Group, Inc.
Lacrosse, Wisconsin
William B o s s h a r d




FR N

6-8-92
6-5-92

6-1-92
- 5-20-92

Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspaper and Federal
Register Notice
(continued)
Type

Appl i c a t i o n

Y-2

CB Financial Corporation
Jackson, Michigan
First of Charlevoix Corp.
Charlevoix, Michigan
First State Bank of C h arlevoix
Charlevoix, Michigan*

Comment P e r i o d
Ending Date

**

FR N
- **

S ection III - Applications Subject to Federal R e g i s t e r
Notice O n l y
Comment P e r i o d
Ending Date

Type

Application

4(c)(8)

O l d Kent Financial Corporation
G r a n d Rapids, Michigan
Grand Rapids Hope L i mited Partnership
Grand Rapids, Michigan
Mount Mer c y L imited Partnership
Grand Rapids, Michigan

FR - 7-6-92

Y-4

O l d Kent Financial Corporation
G r a n d Rapids, Michigan
O l d Kent Brokerage Services, I n c .
Grand Rapids, Michigan

FR - 7-2-92

Y-4

Caisse Nationale De Credit A g r i c o l e S.A.
Paris, France
L C A Holding Corp.
N e w York, N e w York

FR - 7-13-92

Y-4

N B D Bancorp, Inc.
FR - **
Detroit, Michigan
Consumer Marketing Services, Inc.
Indianapolis, Indiana
INB Brokerage Services, Inc.
Indianapolis, Indiana
INB Mortgage Corporation
Indianapolis, Indiana
INB Neighborhood Revitalization Corporation
Indianapolis, Indiana




Federal Reserve Bank of Chicago
Section III

-

Applications Subject to Federal Register
Notice Only
(continued
Comment Period
Application
Ending Date

)

Type
Y-4

N B D I n d i a n a , Inc.
FR - **
Detroit, Michigan
Con s u m e r M a r k e t i n g Seirvices, Inc.
Indianapolis, Indiana
INB Brokerage Services, Inc.
Indianapolis, Indiana
INB Mor t g a g e Corporation
Indianapolis, Indiana
INB N e i g h b o r h o o d Revitalization C o r p o r a t i o n
Indianapolis, Indiana

Section IV

-

Applications Not Subject to Federal Register or Newspaper
Notice

Type

Application

Ros

Rock River Bancorporation, Inc.
Oregon, Illinois
To redeem 4,000 shares preferred stock

N
- Newspaper
FR
Federal R e g i s t e r
* - Subject to Provisions o f Community Reinvestment A c t
** - Not available at this time

-




AVAILABILITY OF CRA PUBLIC EVALUATIONS

The following state member banks have been examined by the Federal Reserve Bank
of Chicago for compliance with the CRA. The 30-business day period the bank has
to make the evaluation public has lapsed during the week ending June 19, 1992.
If you are interested in obtaining a copy of the evaluation document, please
contact the bank(s) directly.
Identification of Ratings
O-An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
S-An institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
NI-An institution in this group needs to improve its overall record of ascer­
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
SN-An institution in this group has a substantially deficient record of ascer­
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
BANK NAME/LOCATION

EXAMINATION DATE

RATINGS

-The Peoples Bank
120 North Center Street, Box 68
Bloomington, Illinois
61702-0068
(309) 823-7000

3/02/92

S

-First Bank of Berne
102 Main, Box 369
Berne, Indiana
46711
(219) 589-2151

3/02/92

NI




Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING JUNE 19, 1992

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application

End of Comment Period

None.

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

End of Comment Period

Section 3(a)(1) application by The Lauderdale County
Bancshares, Inc., Halls, Tennessee to acquire The
Lauderdale County Bank, Halls, Tennessee
Newspaper:
Section 3(a)(3) application by Capital
Bancorporation, Inc., Cape Girardeau, Missouri to
acquire Magna Bank of Southern Missouri, Ozark,
Missouri

7-10-92

Newspaper: 7-16-92

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application

End of Comment Period

Section 4(c)(8) application by Central Arkansas
Bancshares, Inc., Arkadelphia, Arkansas to engage
de novo, indirectly through Central Arkansas
Appraisal Company, Malvern, Arkansas, in performing
real estate appraisals
Not yet available

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
Application
End of Comment Period
None.

This application is subject to CRA.




FEDERAL RESERVE BANK OF ST. LOUIS
St. Louis, Missouri

AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification o f Ratings:
Outstanding record o f m eeting community credit needs

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

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

A n institution in this group needs to improve its overall record o f ascertaining and helping to meet
the credit needs o f its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncom pliance in meeting community credit needs

A n institution in this group has a substantially deficient record o f ascertaining and helping to meet
the credit needs o f its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

FOR THE WEEK ENDING

Name of Bank

NationsBank of Kentucky




June 19, 1992

Bank Address

P. 0. Box 728
Hopkinsville, Kentucky 42240

Examination
Date
3-9-92

Examination
Rating
Satisfactory

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section I - Applications Subject to
Newspaper Notice Only
Comment Period
E n d i m Date

Aoolication
Farmers State Bank of Worden
Worden, MT
To acquire, via merger, the
First National Bank in Hysham,
Hysham, MT

Not yet available

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Aoolication
Conrad N. Freeman
To acquire control of 62.63% of
Morris State Bancorporation, Inc.,
Morris, MN

Comment Period
Ending Date
July 1, 1992

Norwest Corporation
To acquire via merger
United Bancshares, Inc.,
Lincoln, NE*

Not yet available

Hansen-Lawrence Agency, Inc.
Worden, MT
To acquire, via merger, First
Hysham Holding Company, Hysham,
MT, a obhc owning the First
National Bank, Hysham, MT*

Not yet available

Hansen-Lawrence Agency, Inc.
Worden, MT
To increase its ownership interest
from 48% to 81.2% of the voting
shares of the Farmers State Bank
of Worden, Worden, MT*

Not yet available

Scottie Peterson
To acquire control of 50% of
Northern Plains Bancshares, Inc.,
Hawley, MN

Not yet available

* Subject to CRA




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section II - Applications Subject to Both
Newspaper and Federal Register Notice (Continued)
Comment Period
Ending Date

Application
Marquette Bancshares, Inc.
Mpls, MN
To acquire the Marquette Bank Brooklyn
Park, Brooklyn, MN; the Marquette Bank
Brookdale, Brooklyn Center, MN; the M ar­
quette Bank Cannon Falls, Cannon Falls,
MN; the Marquette Bank Golden Valley,
Golden Valley, MN; the Marquette Bank
Mound, Mound, MN; the Marquette Bank
New Hope, New Hope, MN; the Marquette
Bank Shakopee, N.A., Shakopee, MN;
Monticello Bancshares, Inc., Monticello,
MN, a obhc owning the Wright County
Sate Bank, Monticello, MN; Lakeville
Financial Services, Inc., Mpls, MN, a
obhc owning the Marquette Bank Lakeville,
Lakeville, MN; Hutchinson Bancorp, Inc.,
Mpls, MN, a mbhc owning the Marquette
Bank Hutchinson, N.A., Hutchinson, MN,
and the Marquette Bank New Prague, New
Prague, MN*

Not yet available

Section III - Applications Subject
to Federal Register Notice Only
Application
Norwest Corporation
Minneapolis, MN
To engage in consumer lending
activities through the acquisition
of Vistar financial, Inc., Lincoln,
NE, a subsidiary of United Bancshares,
Inc., Lincoln, NE

* Subject to CRA




Comment Period
Ending Date
Not yet available

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section III - Applications Subject
to Federal Register Notice Only (Continued)
Comment Period
Endina Date

Application
Hansen-Lawrence Agency, Inc.
Worden, MT
To engage in general insurance
agency activities through the
acquisition of First Insurance
Agency, Inc., Hysham, MT

Not yet available

Security Northwest Bancorporation,
Inc.
Mpls, MN
To enaaae de novo in makina and
servicing loans.

Not yet available

The Highland Bancorporation, Inc.
Mpls, MN
To enaaae de novo in makina and
servicing loans.

Not yet available

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




FEDERAL RESERVE BANK OF M INNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending June 19, 1992

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

DATE OF EXAMINATION

CRA RATING

First Citizens Bank
P. 0. Box 578
Bozeman, MT 59715
(406) 586-4555

March 9, 1992

Satisfactory

First State Bank
P. 0. Box 8
Warner, SD 57479
(605) 225-9605

March 23, 1992

Satisfactory




Federal Reserve Bank of Kansas City

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION
BancFirst, Oklahoma City, Oklahoma,
for prior approval to merge with The
First State Bank, Stroud, Oklahoma,
in a stock exchange transaction, and
to establish a branch of BancFirst in
Stroud, Oklahoma.

COMMENT PERIOD ENDING DATE
Not Available

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

COMMENT PERIOD ENDING DATE

R. Banking Limited Partnership,
Oklahoma City, Oklahoma, for prior
approval to become a bank holding
company through the acquisition of
control of several Oklahoma banking
institutions, including 58.28 percent
of the voting shares of BancFirst
Corporation, Oklahoma City,
Oklahoma.*

Not Available

Fourth Financial Corporation,
Wichita, Kansas, for prior approval
to acquire 100 percent of the voting
shares of The Mission Hills Bank,
N.A., Mission Woods, Kansas, through
a merger with Mission Bank's parent,
Mission Hills Bancshares, Inc.,
Mission Woods, Kansas.*

Not Available

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
ONLY
APPLICATION
Central Bancshares, Inc., Cambridge,
Nebraska, to retain ownership of 100
percent of the outstanding common
shares of Emmett Insurance Agency,
Arapahoe, Nebraska.




COMMENT PERIOD ENDING DATE
Not Available

Federal Reserve Bank of Kansas City

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 moderateincome neighborhoods,
in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs
An institution in this group has a satisfactory record of
ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderateincome neighborhoods,
in a manner consistent with its
resources and capabilities.
Needs to improve record of meeting community credit needs
An institution in this group needs to improve its overall
record of ascertaining and helping to meet the credit needs of
its entire delineated community, including low- and moderateincome neighborhoods,
in a manner consistent with its
resources and capabilities.
Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs of
its entire delineated community, including low- and moderateincome neighborhoods,
in a manner consistent with its
resources and capabilities.
Bank/Location
Grant County Bank
P.0. Box 85
Medford, Oklahoma




Exam Date
3-30-92
73759-0085

CRA Public
Date
6-17-92

CRA
Rating
Needs
Improvement

Federal Reserve Bank of Kansas City

Pioneer Bank of Longmont
3-18-92
2351 Main Street
Longmont, Colorado 80501-1134

6-18-92

Outstanding

Uinta County State Bank
3-17-92
P.O. Box 159
Mountain View, Wyoming 82939*

6-16-92

Substantial
Noncanpl iance

*Application is subject to CRA.




FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF JUNE 15, 1992
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
APPLICATION

NOTICE EXP

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

**
* NOTICE EXP

♦Section 3(a)(3) application by
Security Shares, Inc., Abilene, TX, to acquire
Farmers & Merchants National Bank of Merkel,
Merkel, TX

92/06/10

Change in Control Notice by
Leonard C. Hudson, Pampa, TX, to acquire an
interest in NBC Bancshares, Inc., Pampa, TX

N/A

Change in Control Notice by
Robert B. Dunkin, Harlingen, TX, and Cecil R. Simmons,
San Benito, TX, to acquire an interest in First San Benito
Bancshares, Inc., San Benito, TX

N/A

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
APPLICATION
Section 4(c)(8) de novo notification by
Texas Independent Bancshares, Inc., Texas City, TX,
to engage in data processing and data transmission services
(Previously reported during the week of 6-1-92)

NOTICE EXP

92/07/06

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

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




SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
FOR THE WEEK OF JUNE 15, 1992

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
lowand
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
Security State Bank of Pecos
115 W. Third Street
P. 0. Drawer 2037
Pecos, Texas 79772




Date of
Examination

CRA Rating

92/03/16

Satisfactory

FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 6/19/92

Section I - Applications Subject to Newspaper Notice Only
A p p Iication

Comment Period Ending Date

None

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

A p p I ication

Comment Period Ending Date

None

Section III - Applications Subject to Federal Register Notice Only
The Dai Ichi Kangyo Bank, Limited, Tokyo,
Japan, to engage de novo in nonbanking
activities through CIT Group/Asset Management,
Inc., New York, New York.

Fed. Rea.:

Not available

U.S. Bancorp, Portland, Oregon, to engage de
novo in electronic IdSri origination and dealer
paper transactions through LenderNet, Inc.,
Portland, Oregon.

Fed. Rea.:

Not available

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

None

* Subject to CRA




FEDERAL RESERVE BANK OF SAN FRANCISCO (cont’d.)

Week ending 6/19/92
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during
the week ending June 19, 1992. Information about a particular institution’s
CRA evaluation may be obtained directly from the institution.
Institution

Location

Examination Date

Guardian State Bank

142 E. 200 South Street
Salt Lake City, UT 84111
Tel: (801) 363-4057

3/16/92

Rating*
Satisfactory

* Under the rating system an institution’s CRA performance is assigned one of
the following four ratings:
Outstanding record of meeting community credit needs: An institution has an
outstanding record of, and is a leader in, ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
Satisfactory record of meeting community credit needs: An institution has a
satisfactory record of ascertaining and meeting the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs: An institution
needs to improve its overall record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- to moderateincome neighborhoods, in a manner consistent with its resources and
capabilities.
Substantial noncomoliance in meeting community credit needs: An institution
has a substantially deficient record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- to moderateincome neighborhoods, in a manner consistent with its resources and
capabilities.




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