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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H. 2, 1995, NO. 25
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending June 24, 1995

ACTIONS TAKEN BY THE BOARD OF GOVERNORS
BANK HOLDING COMPANIES
First Commerce Corporation, New Orleans, Louisiana -to acquire Lakeside Bancshares, Inc., Lake Charles,
Louisiana, and Lakeside National Bank of Lake
Charles.
Approved, June 19, 1995.
Hemisphere Financial, Ltd., Road Town, Tortola,
British Virgin Islands, and Mercantile Financial
Enterprises, Inc., Wilmington, Delaware -- to
acquire Mercantile Bank, N.A., Brownsville, Texas.
Approved, June 19, 1995.
Northern Trust Corporation, Chicago, Illinois -- to
acquire Tanglewood Bancshares, Inc., Houston,
Texas, and Tanglewood Bank, National Association.
Approved, June 19, 1995.
Ogden Bancshares, Inc., Ogden, Iowa -- request for
reconsideration of Board’s approval of the
application to acquire City State Bank.
Denied, June 19, 1995.

REGULATIONS AND POLICIES




Regulation T -- publication for comment of revisions
to the regulation (Docket R-0772).
Approved, June 21, 1995.
Regulation Z -- publication for comment on possible
modification to rules for credit advertising
(Docket R-0883).
Approved, June 21, 1995.

H.2
JUNE 19, 1995
PAGE 2

TO

JUNE 23, 1995

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




Cleveland

Bank / South, Uniontown, Pennsylvania --to establish
a branch at Canonsburg Shop n f Save, 59A West Pike
Street, Canonsburg, Pennsylvania.
Approved, June 22, 1995.

San Francisco

Bank of Casa Grande Valley, Case Grande, Arizona -to establish a branch at 121 West Second Street.
Approved, June 23, 1995.

Atlanta

Barnett Bank of the Treasure Coast, Port St. Lucie,
Florida -- to establish a branch at the northwest
corner of St. Lucie West Boulevard and Northwest
Country Club Drive.
Approved, June 19, 1995.

Atlanta

Barnett Bank of Volusia County, DeLand, Florida -- to
establish a branch at Taylor Road and South
Williamson Boulevard, Port Orange, Florida.
Approved, June 20, 1995.

Chicago

Fort Madison Bank & Trust Company, Fort Madison, Iowa
-- to establish a branch at Hy-Vee Food Store, 2606
Avenue L, Fort Madison, Iowa.
Approved, June 23, 1995.

New York

Manufacturers and Traders Trust Company, Buffalo, New
York - - t o continue to operate offsite electronic
facilities at the Terminal Building of the Tompkins
County Airport, 1 Culligan Drive, Village of
Lansing; Noyes Student Center at George Jessup
Road, Ithaca; Noyes Student Center at Cornell
University, 635 Stewart Avenue; Robert Purcell
Union at Cornell University, George Jessup Road;
Egbert Union at Ithaca College, 953 Danby Road; and
Center Ithaca on Ithaca Commons.
Approved, June 22, 1995.

Chicago

NBD Bank, Detroit, Michigan -- to establish a branch
at Southfield-Outer Drive, 8000 West Outer Drive.
Approved, June 23, 1995.

H.2
JUNE 19, 1995
PAGE 3

TO

JUNE 23, 1995

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

BANK BRANCHES. DOMESTIC
Secretary

Northern Trust Company, Chicago, Illinois --to
establish an automatic teller machine facility at
Shepard Hall, Northwestern University, Evanston,
Illinois.
Approved, June 20, 1995.

Atlanta

United American Bank of Central Florida, Orlando,
Florida --to establish a branch at 5404 Silver
Star Road.
Approved, June 22, 1995.

BANK HOLDING COMPANIES




Minneapolis

AmeriGroup Incorporated, Minnetonka, Minnesota -- to
engage de novo in lending activities.
Withdrawn, June 19, 1995.

Dallas

A.N.B. Holding Company, Ltd., Terrell, Texas --t o
acquire American National Bank of Terrell.
Approved, June 22, 1995.

Cleveland

Banc One Corporation, Columbus, Ohio -- request for
waiver of requirement to file applications
concerning the proposed merger of LBN Acquisition
Corp., and CSB Bancshares, Inc. with Banc One
Kentucky Corporation.
Approved, June 23, 1995.

Dallas

Berens Corporation, Houston, Texas -- to engage de
novo in mortgage leasing activities, commercial
finance, and leasing activities through Berens
Credit Corporation.
Returned, June 20, 1995.

Dallas

Berens Corporation, Houston, Texas -- to acquire
Berens Delaware, Inc., Wilmington, Delaware, and
First National Bank of Dayton, Dayton, Texas.
Returned, June 20, 1995.

Dallas

Berens Delaware, Inc., Wilmington, Delaware -- to
acquire First National Bank of Dayton, Dayton,
Texas.
Returned, June 20, 1995.

H.2
JUNE 19, 1995
PAGE 9

TO

JUNE 23, 1995

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

BANK HOLDING COMPANIES




Minneapolis

BNCCORP, Inc., Bismarck, North Dakota Ca Delaware
corporation) -- request for waiver of requirement
to file an application to acquire BNCCORP, Inc.,
Bismarck, North Dakota (a North Dakota
corporation).
Approved, June 20, 1995.

Kansas City

Charter Bancorporation, Englewood, Colorado -- to
acquire Charter Bank and Trust.
Approved, June 19, 1995.

Cleveland

Commonwealth Holdings, LLC. Burlington, Kentucky -,
to acquire Heritage Bancorp, Inc.
Approved, June 19, 1995.

Richmond

First Mariner Bancorp, Towson, Maryland -- to engage
de novo in mortgage lending through First Mariner
Mortgage Corporation, Baltimore, Maryland.
Permitted, June 21, 1995.

Richmond

First Union Corporation, Charlotte, North Carolina to acquire STATCO, Inc., Rome, Georgia, and Home
Federal Savings Bank.
Approved, June 22, 1995.

Atlanta

Georgia Bancshares, Inc., Tucker, Georgia -- to
acquire DeKalb State Bank, Tucker, Georgia.
Approved, June 21, 1995.

Dallas

MAB Bancshares of Delaware, Inc., Wilmington,
Delaware --to acquire Midland American Bank.
Approved, June 21, 1995.

Dallas

Midland American Bancshares, Inc., Midland, Texas -to acquire MAB Bancshares of Delaware, Inc.,
Wilmington, Delaware, and Midland American Bank,
Midland, Texas.
Approved, June 21, 1995.

Atlanta

Moundville Bancshares, Inc., Moundville, Alabama -to acquire Bank of Moundville.
Approved, June 23, 1995.

H.2
JUNE 19, 1995
PAGE 5

TO

JUNE 23, 1995

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

BANK HOLDING COMPANIES
San Francisco

Palm Desert Investments, Palm Desert, California -to engage de novo in data processing activities
through Palm Desert Mortgage Company.
Returned, June 21, 1995.

Chicago

Panhandle Aviation, Inc., Clarinda, Iowa -- to
acquire Essex Iowa Bancorporation, Inc., Essex,
Iowa, and First National Bank of Essex.
Approved, June 22, 1995.

Richmond

Peoples Bankshares, Incorporated, Montross,
Virginia -- to acquire Peoples Bank of Montross.
Approved, June 20, 1995.

Chicago

State Banco, Ltd., Spirit Lake, Iowa -- to engage in
lending activities.
Permitted, June 22, 1995.

St. Louis

Sunwest Texas, Inc., Albuquerque, New Mexico --to
acquire Sunwest Bank of El Paso, El Paso, Texas.
Approved, June 20, 1995.

BANK MERGERS




Richmond

First-Citizens Bank 8 Trust Company, Lawrenceville,
t
Virginia -- to acquire certain assets and assume
certain liabilities of the Clifton Forge, Virginia,
branch of Crestar Bank, Richmond, Virginia.
Approved, June 21, 1995.

Chicago

1st Source Bank, South Bend, Indiana --to merge with
1st Source Bank of Starke County, Hamlet, Indiana,
and establish a branch at 19 West Davis Street; and
1904 S. Heaton, Knox, Indiana.
Approved, June 19, 1995.

San Francisco

WestAmerica Bank, San Rafael, California -- to merge
with Novato National Bank, Novato, California, and
to temporarily establish three branches.
Approved, June 21, 1995.

H.2
JUNE 19, 1995
PAGE 6

TO

JUNE 23, 1995

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

BANKS. STATE MEMBER
Atlanta

Barnett Bank of Southwest Florida, Sarasota,
Florida -- request for waiver to retain certain
properties.
Approved, June 23, 1995.

Kansas City

WestStar Bank, Bartlesville, Oklahoma -- payment of a
dividend.
Approved, June 21, 1995.

CHANGE IN BANK CONTROL
St. Louis

Capital Bancorporation, Inc., Cape Girardeau,
Missouri -- change in bank control.
Permitted, June 23, 1995.

Dallas

Crowell Bancshares, Inc., Crowell, Texas -- change in
bank control.
Approved, June 22, 1995.

Dallas

Lost Pines Bancshares, Inc., Smithville, Texas -change in bank control.
Returned, June 19, 1995.

San Francisco

Valley Bancorporation, Sumner, Washington -- change
in bank control.
Permitted, June 20, 1995.

COMPETITIVE FACTORS REPORTS




San Francisco

America Investment Security, Inc., Federal Savings
Bank, Monterey Park, California, proposed merger
with Trust Savings Bank, Federal Savings Bank -report on competitive factors.
Submitted, June 23, 1995.

Richmond

Bank of Walterboro, Walterboro, South Carolina,
proposed merger with Walterboro Interim Bank -report on competitive factors.
Submitted, June 19, 1995.

Atlanta

Carney Bank, Boynton Beach, Florida, proposed merger
with County National Bank of South Florida, North
Miami Beach, Florida -- report on competitive
factors.
Submitted, June 21, 1995.

H.2
JUNE 19, 1995
PAGE 7

TO

JUNE 23, 1995

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

COMPETITIVE FACTORS REPORTS




San Francisco

Commercial Center Bank, Santa Ana, California,
proposed merger with Irvine City Bank, FSB, Irvine,
California -- report on competitive factors.
Submitted, June 19, 1995.

San Francisco

Commercial Center Bank, Santa Ana, California,
proposed merger with Huntington National Bank,
Huntington Beach, California -- report on
competitive factors.
Submitted, June 19, 1995.

Minneapolis

Fidelity Interim National Bank, Medford, Wisconsin,
proposed merger with Fidelity National Bank -report on competitive factors.
Submitted, June 19, 1995.

Dallas

Garden Ridge State Bank, Garden Ridge, Texas,
proposed merger with Seguin State Bank & Trust
Company, Seguin, Texas -- report on competitive
factors.
Submitted, June 22, 1995.

Atlanta

Key Biscayne Bank and Trust Company, Key Biscayne,
Florida, proposed merger with Sun Bank / Miami,
N.A., Miami, Florida -- report on competitive
factors.
Submitted, June 21, 1995.

Minneapolis

M&I Merchants Bank, Rhinelander, Wisconsin, proposed
acquisition of the assets and assumption of the
liabilities of M&I Bank of Antigo, Antigo,
Wisconsin -- report on competitive factors.
Submitted, June 21, 1995.

Chicago

Marquette National Bank, Chicago, Illinois, proposed
merger with Huntington Federal Savings Bank of
Illinois -- report on competitive factors.
Submitted, June 21, 1995.

New York

North Side Savings Bank, Bronx, New York, proposed
acquisition of certain assets and assumption of the
liabilities of two branches of Chemical Bank, New
York, New York -- report on competitive factors.
Submitted, June 22, 1995.

H.2
JUNE 19, 1995
PAGE 8

TO

JUNE 23, 1995

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

COMPETITIVE FACTORS REPORTS
Dallas

Security State Bank, Big Spring, Texas, proposed
merger with Security State Bank, Abilene, Texas -report on competitive factors.
Submitted, June 23, 1995.

Kansas City

Siouxland National Bank, South Sioux City, Nebraska,
proposed merger with SNB Interim National Bank -report on competitive factors.
Submitted, June 20, 1995.

Atlanta

SouthTrust
proposed
Florida,
factors.
Submitted,

Bank of Volusia County, DeLand, Florida,
merger with SouthTrust Bank of Central
Ocala, Florida -- report on competitive
June 20, 1995.

Dallas

University State Bank, Houston, Texas, proposed
acquisition of the assets and assumption of the
liabilities of one branch of Pacific Southwest
Bank, Corpus Christi, Texas -- report on
competitive factors.
Submitted, June 19, 1995.

Dallas

Wallis State Bank, Wallis, Texas, proposed
acquisition of the assets and assumption of the
liabilities of two branches of Prime Bank,
Channelview, Texas -- report on competitive
factors.
Submitted, June 19, 1995.

EXTENSIONS OF TIME




Atlanta

AmSouth Bank of Walker County, Jasper, Alabama;
AmSouth Bank of Florida, Tampa, Florida; AmSouth
Bank of Tennessee, Chattanooga, Tennessee; and
AmSouth Bank of Georgia, Summerville, Georgia -extension to August 15, 1995, to become members of
the Federal Reserve System.
Granted, June 19, 1995.

H.2
JUNE 19, 1995
PAGE 9

TO

JUNE 23, 1995

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

EXTENSIONS OF TIME




Chicago

Bank of Montreal, Toronto, Canada -- extension to
September 22, 1995, to merge with Burns Fry Corp
and Timmins Holdings, Inc., Chicago, Illinois, into
Harris Nesbitt Thomson Securities.
Granted, June 21, 1995.

Richmond

Bankmont Financial Corp., Chicago, Illinois -extension to September 22, 1995, to merge the U.S.
subsidiaries of Burns Fry Corp and Timmins
Holdings, Inc., Chicago, Illinois, into Harris
Nesbitt Thomson Securities.
Granted, June 21, 1995.

St. Louis

Cass Commercial Corporation, St. Louis, Missouri -extension to August 31, 1995, to engage de novo in
credit card activities through Cass Information
Systems, Inc.
Granted, June 23, 1995.

St. Louis

CNB Bancshares, Inc., Evansville, Indiana -extension to August 31, 1995, to acquire The Bank
of Orleans, Orleans, Indiana.
Granted, June 23, 1995.

San Francisco

Dai-Ichi Kangyo Bank, Limited, Tokyo, Japan extension to divest certain property.
Granted, June 22, 1995.

Richmond

FCTC, Inc., Princeton, West Virginia -- extension to
July 31, 1995, to acquire Bank of Mount Hope, Inc.,
Mount Hope, West Virginia.
Granted, June 21, 1995.

Richmond

First Community Bank, Inc., Princeton, West
Virginia -- extension to July 31, 1995, to acquire
certain assets and assume certain liabilities of
Ameribank, Inc., Welch, West Virginia.
Granted, June 21, 1995.

San Francisco

Frontier Bancorp, Redondo Beach, California extension to September 19, 1995, to acquire
Frontier State Bank.
Granted, June 21, 1995.

H.2
JUNE 19, 1995
PAGE 10

TO

JUNE 23, 1995

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

EXTENSIONS OF TIME
Minneapolis

Kootenai Bancorp, Inc., Libby, Montana -- extension
to September 21, 1995, to acquire First National
Bank of Montana, Butte, Montana.
Granted, June 20, 1995.

Minneapolis

Norwest Corporation, Minneapolis, Minnesota -extension to October 5, 1995, to engage de novo in
financial and investment advisory services.
Granted, June 23, 1995.

Atlanta

Summerville / Trion Bancshares, Inc., Trion, Georgia
-- extension to September 28, 1995, to acquire
Adairsville Bancshares, Inc., Adairsville, Georgia,
and Bank of Adairsville.
Granted, June 19, 1995.

San Francisco

Wells Fargo & Company, San Francisco, California -extension to divest certain property.
Granted, June 22, 1995.

Chicago

Central Trust and Savings Bank, Cherokee, Iowa -- to
become a member of the Federal Reserve System.
Approved, June 21, 1995.

Chicago

Citizens Bank and Trust Company, Belle Plaine, Iowa - to become a member of the Federal Reserve System.
Approved, June 23, 1995.

St. Louis

Douglas County Bank, Ava, Missouri -- to become a
■ember of the Federal Reserve System.
Approved, June 20, 1995.

Chicago

First American Bank, Joliet, Illinois -- to become a
member of the Federal Reserve System.
Approved, June 22, 1995.

Chicago

Midwest Bank and Trust Company, Elmwood Park,
Illinois - - t o become a member of the Federal
Reserve System.
Approved, June 23, 1995.

MEMBERSHIP




H.2
JUNE 19, 1995
PAGE 11

TO

JUNE 23, 1995

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

MEMBERSHIP
Chicago

Midwest Bank of Hinsdale, Hinsdale, Illinois -- to
become a member of the Federal Reserve System.
Approved, June 23, 1995.

Chicago

Midwest Bank of McHenry County, Union, Illinois -- to
become a member of the Federal Reserve System.
Approved, June 23, 1995.

RESERVE BANK SERVICES




Director, FRBO

Federal Reserve Bank of Dallas -- to implement a
return item reclearing service at the El Paso,
Houston, and San Antonio Branches.
Approved, June 21, 1995.

H.2

ADDITIONS AND CORRECTIONS

JUNE 19, 1995
PAGE 12

TO

JUNE 23, 1995

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

REGULATIONS AND POLICIES
Regulations H, K, and Y -- proposal for comment of
revisions to regulations on reporting of suspicious
activities by banking organizations supervised by
the Federal Reserve System.
Approved, June 16, 1995.

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

BANKS. STATE MEMBER
Kansas City

Morris State Bank, Morris, Oklahoma -- payment of a
dividend.
Approved, June 16, 1995.

MEMBERSHIP




San Francisco

Tri-State Bank, Montpelier, Idaho -- to become a
member of the Federal Reserve System.
Approved, June 16, 1995.

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

Application

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

Application
New England Community
Bancorp, Inc., Windsor,
Conn e c t i c u t - 3 ( a ) (3)
a p p l i c a t i o n to acquire
100% of the v o t i n g shares
of The E q u i t y Bank,
Wethersfield, C o n n e cticut

Newspaper

07-14-95

Federal Register

07-21-95

Berks h i r e Bankcorp,
Pittsfield, Massachusetts,
M.H.C. - 3(a)(1) a p p l i c a t i o n
to beco m e a b a n k h o l d i n g
co m p a n y b y a c q u i r i n g 100%
of the v o t i n g shares of
Berks h i r e C o u n t y Savings
Bank, Pittsfield,
Massachusetts

Newspaper

07-20-95

Federal R e g i s t e r

07-25-95

SECTION III - APPLICATIONS SUBJECT TO
F E D E R A L R E G I S T E R N O T I C E ONL Y
A B P l iCfrtiQD

C o mment P e r i o d E n ding Dat e
NONE

SE C T I O N IV - A P P L I C A T I O N S N O T S U BJECT TO
F E DERAL R E G I S T E R OR N E W S P A P E R N O T I C E

Application
NONE*

*Subject to CRA.
**Rating Definitions:
"O" - Outstanding; "S" - Satisfactory;
- Needs to Improve; "SN" - Subs t a n t i a l Noncompliance.




HN"

S E C T I O N V - A V A I L A B I L I T Y OF C R A PUBLIC E V A L U A T I O N S
Institution




E x a m i n a t i o n Date

NONE

Ratin a * *

Federal Reserve Bank of New York
Comment Period
Ending Date

SECTION I
Applications Subject to Newspaper
__________ Notice Only__________
Growth Bank, Basking Ridge, New Jersey, to establish a branch
at 29 East Main Street, Mendham, New Jersey. 1/

7/18/95

SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice

HSBC Holdings pic, London, United Kingdom, HSBC Holdings BV
Amsterdam, Netherlands, Marine Midland Bank, Inc., Buffalo,
New York. To acquire 2,250 (20 percent) of the voting common
shares, of Wells Fargo HSBC Trade Bank, N.A., San Francisco,
California, a joint venture with Wells Fargo & Company, San
Francisco, California, being organized as a de novo national
bank. 1/

7/24/95 3/

SECTION III
Nonbanking Applications
(subject to Federal Register Notice Only)
The Bank of New York Company, Inc. , New York, New York,
(1) to acquire all of the outstanding voting securities
of Continental Trust Company, Chicago, Illinois; and (2)
to acquire through its subsidiary, The Bank of New York
Trust Company of California, Los Angeles, California,
certain custody accounts from The BankAmerica
Corporation, San Francisco, California, and thereby
engage in providing trust company functions pursuant
to Section 225.25(b)(3) of Regulation Y. (amended)

SECTION IV
Applications Not Involving
______Public Comment
None.

1/ Subject to the provisions of the Community Reinvestment Act.




7/11/95

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 an
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 24, 1995
NAME OF BANK

RATING

EXAMINATION DATE

None.

I| CN|

/
/
2/
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 Availables




FEDERAL RESERVE BANK OF PHILADELPHIA

Section I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER NOTICE ONLY
Dauphin Deposit Bank and Trust Company, Harrisburg, Pennsylvania to establish a branch
office at 4206 Union Deposit Road, Harrisburg, Pennsylvania, pursuant to Section 9 of
the Federal Reserve Act.
Newspaper comment period expires;

07/15/95

Republic Bank, Philadelphia, Pennsylvania, to establish a branch office at 233 Lancaster
Avenue, Ardmore, Pennsylvania, pursuant to Section 9 of the Federal Reserve Act.
Newspaper comment period expires:

N/Avail.

SECTION II - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER
NOTICE
NONE
SECTION III - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL REGISTER NOTICE ONLY
NONE
SECTION IV ~ APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL REGISTER NOTICE OR
NEWSPAPER NOTICE




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 23, 1995.
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

CRA Rating

Commonwealth Bank
Friends Lane and Route #322
Newtown, PA

02/21/95

Satisfactory

First Capitol Bank
2951 Whiteford Road
York, PA

02/21/95

Satisfactory




F ederal R eserv e B ank
of C leveland
P. 0. BOX 6387
CLEVELAND, OHIO 44101-1387

APPLICATIONS BULLETIN
(For the week ending June 24,1995)

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
Received OAKAR application from Fifth Third Bancorp,
Cincinnati, Ohio, on May 12,1995, to acquire Bank of
Naples, Naples, Florida.

* Not Yet Known #

Received Section 18(c) application from Fifth Third Bank,
Cincinnati, Ohio, on June 12,1995, to acquire 12 Dayton,
Ohio, area branches o f PNC Bank, Ohio, N.A., Cicninnati,
Ohio, and, incident thereto, establish branch facilities.

* Not Yet Known #

Received prior notification from The Provident Bank,
Cincinnati, Ohio, on June 15,1995, to establish a CBCT
facility at the Drake Center, 151 West Galbraith Road,
Cincinnati, Ohio.

* June 27,1995

SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL
REGISTER NOTICE
Received Section 3(a)(3) application from KeyCorp,
Cleveland, Ohio, to acquire Key Bank, USA, National
Association, Cleveland, Ohio.

*N: July 12, 1995

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
Received notice from KeyCorp, Cleveland, Ohio,
on June 13, 1995, o f its intent to acquire AutoFinance
Group, Inc., Westmont, Illinois, pursuant to Section 4(c)(8)
o f the Bank Holding Company Act.

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




July 5,1995

F ed era l R eserv e B a n k
of C lev ela n d
P. 0 . BOX 6387
CLEVELAND, OHIO 44101-1387

APPLICATIONS BULLETIN
(For the week ending June 24,1995)

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 o f Receipt




AVAILABILITY OF CRA PUBLIC EVALUATIONS
(June 24,1995)

The following state member banks have been examined by the Federal Reserve Bank o f
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 9, 1995. If you are
interested in obtaining a copy o f 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 o f its entire delineated community, including lowand moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
SATISFACTORY: a bank 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 PR O V E: a bank in this group needs to improve its overall record of
ascertaining and helping to meet the credit needs o f its entire delineated community, including lowand moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
SUBSTANTIAL NON COM PLIANCE: 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

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
Application

Comment Period Ending Date

None.

Section IV - Application Not Subject to
Federal Register Notice or Newspaper Notice
First Union National Bank of North
Carolina, Charlotte, North Carolina,
to establish a branch office in Montreal,
Quebec, Canada.




Federal Reserve Bank of Richmond
Availability of CRA Public Evaluations
Week ending June 23, 1995

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

Crestar Bank
919 East Main Street
Richmond, Virginia 23219
First Virginia Bank - South Hill
111 East Danville Street
South Hill, Virginia 23970-2611
The Bank of Monroe
Main Street
Union, West Virginia

24983

F & M Bank-Emporia
401 Halifax
Emporia, Virginia 23847-1711




1-9-95

2-21-95

4-3-95

4-10-95

Rating

Outstanding

Satisfactory

Outstanding

Satisfactory

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending June 23. 1995

Section 1 - Applications
Application

Subject to N e w s p a p e r N o t i c e O n l y
Comment Period Ending Date

Trust C o m p a n y B a n k
07-14-95*
Atlanta, G e o r g i a
To establish a b r a n c h located at 303 Peachtree Street, N.E.,
BL-01, Atlanta, Georgia.

Suite

S e c t i o n 2 - A p p l i c a t i o n s Subject to B o t h
N e w s p a p e r a n d Federal R e g i s t e r N o t i c e
Application

Comment Period Ending Date

JBC Bancshares, Inc.
07-12-95*
Jasper, G e o r g i a
F e deral R e g i s t e r
A f t e r - t h e - f a c t n o t i f i c a t i o n b y Mr. J o h n M a r k W h i t f i e l d to r e t a i n
10.27 p e r c e n t of the o u t s t a n d i n g shares of JBC Bancshares, Inc.,
Jasper, Georgia.

Section 3 - Applications
Application

Subject to F e deral R e g i s t e r O n l y
Comment Period Ending Date

C o m m u n i t y Tru s t Financial Services
07-11-95
Corporation, Hiram, G e o r g i a
In a 75%/25% joint v e n t u r e w i t h D a n n y H. Drummond, to e s t a b l i s h
C o m m u n i t y L o a n Company, Hiram, Georgia, w h i c h w i l l a c q u i r e Credit
Ser v i c e s of Woodstock, Woodstock, Georgia, and t h e r e b y e n gage in
c o n s u m e r finance activities, p u r s u a n t to S e c t i o n 4(c)(8) of the
Bank H o lding Co m p a n y Act a nd Section 2 2 5 . 2 5 ( b ) (1 ) (i) of R e g u l a t i o n
Y.

Se c t i o n 4 - A p p l i c a t i o n s Not Subject to
F e deral R e g i s t e r N o t i c e or N e w s p a p e r N o t i c e
Application
None.

*Subject to p r o v i s i o n s of the C o m m u n i t y R e i n v e s t m e n t Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending June 23. 1995

Section 10 - A v a ilability of CRA Public Evaluations

The C R A public evaluations of the insured d e p o s i t o r y institutions
listed below became available during this week.
Information about
an institution's C R A evaluation may be obtained d i r e c t l y from the
institution.
In connection with the assessment of an institution's
CRA performance, a rating is assigned from the follo w i n g 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
d e l i neated
community,
including
lowand
moderate-income
neighborhoods,
in a mann e r consistent with its resources and
capabilities.
Satisfactory

record of meeting community credit needs:
An
institution has a satisfactory record of ascert a i n i n g and helping
to meet the credit needs of its entire d e l i n e a t e d community,
including low- and moderate-income neighborhoods,
in a manner
consistent w i t h its resources and capabilities.

Needs to improve record of meeting community credit needs:

An
institution needs to improve its overall record of ascertaining and
h e lping
to meet
the credit needs of its
entire
delineated
community, including low- and moderate-income neighborhoods, in a
manner consistent w i t h its resources and capabilities.

Substantial noncomnliance in meeting community credit needs:

An
institution has a substantially deficient r e c o r d of ascertaining
and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a
mann e r consistent w i t h its resources and capabilities.
Examination
Bank

Rating

Date

Satisfactory

06-11-95

Pointe Bank
Satisfactory
1 West Flamingo Drive
Pembroke Pines, Florida
33027
(305)437-2265

03-31-95

Bank of Y o r k
Post Office Box 96
York, Al a b a m a
36925
(205)392-5205




Federal Reserve Bank of Chicago
Section I - Applications Subject to N e w s p a p e r
Notice Onl y

Type
Branch

Comerica Bank
Detroit, Michigan
3410 Rememberance Road,
Walker, Michigan

Comment P e r i o d
E n d i n g D ate

Application

NP - 6-24-95
N.W.

Branch

Bank of Lakeview
Lakeview, Michigan
10049 Buchanan Road
Stanwood, Michigan

NP - 6-30-95

Merger/Branch

M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
M&I South Shore Bank
South Milwaukee, Wisconsin.
5656 South Packard Avenue
Cudahy, Wisconsin
1001 Marquette Avenue
South Milwaukee, Wisconsin

NP - 7-1-95

Membership

Libertyville Bank & Trust Company
Libertyville, Illinois (in organization)
To become a member of the Federal Reserve
System

N - **

Branch

N o r t h Shore Community Bank & Trust Company
Wilmette, Illinois
722 12th Street
Wilmette, Illinois

NP - **

Branch

Community State Bank
Avilla, Indiana
115 E. Main Street
Albion, Indiana

NP - **

Branch

Bank of Lenawee
Adrian, Michigan
to establish a mobile branch

NP - **

EFT

Harris Trust and Savings Bank
NP - **
Chicago, Illinois
2 EFT's at Loyola University Business School
25 East Pearson Street
Chicago, Illinois




Federal Reserve Bank of Chicago
S e ction I - Applications Subject to N e w s p a p e r
Notice Only
Continued
Comment Period
Ending Date

Type

Application

Branch

First State Bank of Maple Park
Map l e Park, Illinois
Southeast corner of Route 47 and
Prairie V a lley Street
Elburn, Illinois

NP - **

Branch

B a n k of Pontiac
Pontiac, Illinois
1703 West Reynolds Street
Pontiac, Illinois

NP - 7-19-95

Reg K

Caisse Nationale De Credit Agricole
Paris, France
to establish a Representative Office
in Houston Texas

NP - 6-26-95

Y-l Notice

S ecurity Financial, Inc.
Farhamville, Iowa
S ecurity Savings Bank
Farhamville, Iowa

FR - **
NP - 6-9-95

Y-l Notice

C.B. Bank Shares, Inc.
FR - 7-17-95
Russiaville, Indiana
NP - 6-23-95
Central Bank
Russiaville, Indiana* (formerly Central National
Bank of Howard County)

Membership

Pullman Bank and Trust Company
Chicago, Illinois
To become a member of the Federal
Reserve System




NP - **

Federal Reserve Bank of Chicago
S e c t i o n II - Applications Subject to Both Newspaper and Federal
Register Notice

Comment P e r i o d
Ending Dat e

Type

Application

Y-2

A s s o c i a t e d Banc-Corp.
G r e e n Bay, Wisconsin
G N Bancorp, Inc.
Chicago, Illinois
Gladstone-Norwood Trust and Savings Bank
Chicago, Illinois*

FR - 6-29-95
NP - 6-21-95

Y-2

A s s o c i a t e d Illinois Banc-Corp.
G r e e n Bay, Wisconsin
G N Bancorp, Inc.
Chicago, Illinois
Gladstone-Norwood Trust and Savings Bank
Chicago, Illinois*

FR - 6-29-95
NP - 6-21-95

Y-l

Libertyville Bancorp, Inc.
Lake Forest, Illinois
Libertyville Bank & Trust Company
Libertyville, Illinois* (in organization)

Y-l

A. E. Bancorp, Inc.
Bu f f a l o Grove, Illinois
A merican Enterprise Bank
Buffalo Grove, Illinois*

FR - 7-21-95
NP - **

FR
NP

7-21-95
7-16-95

(in organization)

Y-l

Capitol Bankshares, Inc.
Madison, Wisconsin
Capitol Bank
Madison, Wisconsin* (in organization)

FR - 7-6-95
NP - 7-6-95

Y-2

L i ncoln Bancorp
Reinbeck, Iowa
Garwin Bancorporation
Garwin, Iowa
Farmers Savings Bank
Garwin, Iowa*

FR - 7-10-95
NP - **

CoC-HC

First Community Bancshares,
Milton, Wisconsin
Jerry C. Bradshaw




Corp.

FR
N

**
**

Federal Reserve Bank of Chicago
S ection III - Applications Subject to Federal Register
Notice Only

Comment Period
Ending Date

Type

Application

4 (c) (8)

FBOP C o r p oration
Oak Park, Illinois
to purchase and assume substantially
all of the assets and liabilities of
International Savings Bank, F.S.B.
San Diego, California

FR - **

4(c) (8)

W i s c o n s i n Bank Services, Inc.
Black River Falls, Wisconsin
To engage in making and servicing loans

FR - **




Federal Reserve Bank of Chicago
S e c t i o n III - Applications Subject to Federal Register
Notice Only

Comment Period
E n d i n g D ate

TYpe

Application

4(c) (8)

St. Francis Capital Corporation
FR - **
Milwaukee, Wis c o n s i n
to engage in the sale of annuities through
its subsidiary, St. Francis Insurance
Services Corp., Milwaukee, Wisconsin

4(c) (8)

Lincoln Bancorp
Reinbeck, Iowa
Garwin Insurance
•Garwin, Iowa

FR - 7-10 - 9 5

4(c) (8)

Marshall & Ilsley Corporation
Milwaukee, W i sconsin
Mutual Services, Inc.
Braintree, Massachusetts

FR - 7-3-95

4(c) (8)

Associated Banc-Corp.
Green Bay, Wisconsin
Great Northern Mortgage
Rolling Meadows, Illinois

FR - 7- 5 - 9 5
NP - 6-25 - 9 5

4(c) (8)

Caisse Nationale de Credit Agricole
FR - 7-6 - 9 5
Paris, France
to become a member firm and a clearing member
of Coffee, Sugar & Cocoa Exchange, Inc.
New York, New York, through its
subsidiary, Credit Agricole Futures, Inc.

4 (c) (8)

GNB Bancorporation
Grundy Center, Iowa
GNB Financial Co.
Grundy Center, Iowa

4 (c) (8)

First Business Bancshares, Inc.
FR - 7 - 1 0 - 9 5
Madison, Wisconsin
To engage in commercial financial lending
and leasing activities through its subsidiary,
First Madison Capital Corp., Madison, W i sconsin

4 (c) (8)

Carroll County Bancshares, Inc.
Carroll, Iowa
to own and operate a finance company
through its subsidiary, Carroll Credit,
Carroll, Iowa




FR - 7 - 1 0 - 9 5

FR - 7 - 1 2 - 9 5

Inc.

Federal Reserve Bank of Chicago
Section IV - Applications Not Subject to Federal R e g i s t e r or Newspaper
Notice

Type

A pplication

RoS

Founders Bancorp, Inc.
Scottsdale, Ariz o n a
To redeem the remaining 18,750 shares of Series A
Preferred stock outstanding

N
FR
*
**

-

Newspaper
Federal Register
Subject to Provisions of Community Reinvestment Act
Not available at this time




AVAILABILITY OF C R A PUBLIC EVALUATIONS
The f o l l o w i n g state member banks have b e e n examined b y the F e deral R e s e r v e
Bank of Chicago for compliance with the CRA.
The 3 0-day bus i n e s s d a y p e r i o d
the bank has to make the evaluation public has lapsed duri n g the w e e k e n d i n g
June 23, 1995.
If you are interested in obtaining a copy of the e v a l u a t i o n
document, p l e a s e contact the bank(s) directly.
Identification of Ratings
O-An institution in this group has an outstanding r e cord of, and is a l e a d e r
in,
a s c e r t a i n i n g and helping to meet the credit needs of its
entire
delineated community, including low- and moderate-income n e i g h borhoods, in a
r-anner co n s i s t e n t with its resources and capabilities.
S-An institution in this group has a satisfactory record of a s c e r t a i n i n g a n d
helping to meet the credit needs of its entire de l i n e a t e d c o m m u n i t y ,
including low- and moderate-income neighborhoods, in a manner c o n s i s t e n t w i t h
its resources and capabilities.
N I - A n i n s t i t u t i o n in this group needs to improve its overall r e c o r d of
a s c e r t a i n i n g and helping to meet the credit needs of its entire d e l i n e a t e d
community, including low- and moderate-income neighborhoods, in a m a n n e r
consistent w i t h its resources and capabilities.
SN-An i n s t i t u t i o n in this group has a substantially deficient r e c o r d of
a s c e r t a i n i n g and helping to meet the credit needs of its entire d e l i n e a t e d
community, including low- and moderate-income neighborhoods, in a m a n n e r
consistent w i t h its resources and capabilities.
BANK N A M E / L O C A T I O N

EXAMINATION DATE

-Columbus J u n c t i o n State Bank
134 M a i n Street
P.0. B o x 271
Columbus Junction, Iowa
52738
(319) 728-2436




3/20/95

RATINGS

S

Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING JUNE 23, 1995

Application

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
End of Comment Period

None.

Application

SECTION II • APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
End of Comment Period

*Section 3(a)(3) application by Central Bancompany,
Inc., Jefferson City, Missouri, to acquire Pleasant
Hope Bancshares, Inc. Pleasant Hope, Missouri.

Newspaper:

7/24/95

*Section 3(a)(3) application by Community First
Financial Group, Inc., English, Indiana, to acquire
Bay Cities National Bank, Redondo Beach, California,
and to acquire additional shares of Peninsula National
Bank, Rolling Hills Estates, California (a current
subsidiary of Community First Financial Group, Inc.).

Newspaper:

7/20/95

*Section 3(a)(1) application by Peninsula Banking
Group, Inc., Rolling Hills Estates, California,
to acquire Peninsula National Bank, Rolling Hills
Estates. California, and Bay Cities National Bank,
Redondo Beach, California.

Newspaper:

7/20/95

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application
End of Comment Period
Section 4(c)(8) notification by National Commerce
Bancorporation, Inc., Memphis, Tennessee, to engage
in data processing activities through its 30 percent
acquisition of Transplatinum Service Corp., Nashville,
Tennessee (previously reported during week ending
6/16/95).

7/7/95

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 O F ST. LOUIS
St. Louis, Missouri
AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification o f Ratings:
Outstanding record o f meeting community credit needs
An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record o f meeting community credit needs
An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs
of its entire delineated community, including low- and moderate- income neighborhoods, in a manner
consistent with its resources and capabilities.
Needs to improve record o f meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping to meet the
credit needs o f its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping to meet the
credit needs o f its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.

FOR THE WEEK ENDING

Name of Bank
None




June 23, 1995

Bank Address

Examination
Date

Examination
Rating

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

Application
NONE.
FEDERAL RESERVE BANK OF MINNEAPOLIS
Section II - Applications Subject to Both
Newspaper and Federal Register Notice

Comment Period
Ending Date

Application
DCNB Holding Company, Clear Lake,
SD, to acquire 100% of the voting
shares of Deuel County National
Bank, Clear Lake, SD*

July 17, 1995
(Federal Register)

Watford City Bancshares, Inc.,
Watford City, ND, to acquire 100%
of the voting shares of the First
International Bank & Trust,
Scottsdale, AZ*

Not yet available

Norwest Corporation, Minneapolis, MN,
to acquire 100% of the voting shares
of The First National Bank of
Big Spring, Big Spring, TX*

Not yet available

Norwest Corporation, Minneapolis, MN,
to acquire 100% of the voting shares of
Alice Bancshares, Inc., Alice, TX*

July 21, 1995
(Federal Register)

*Subiect to CRA
FEDERAL RESERVE BANK OF MINNEAPOLIS
Section III - Applications Subject
to Federal Register Notice Only
Application
Norwest Corporation, Minneapolis,
MN, to engage in securities
brokerage activities through
the acquisition of the brokerage
business of Valley-Hi National
Bank, San Antonio, TX




Comment Period
Ending Date
July 7, 1995

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

Application
Ramsey Financial Corporation,
Devils Lake, ND, to indirectly
acquire certain assets and assume
certain deposits of the Rugby, Cavalier,
and Bottineau, ND offices of First Bank,
fsb, Fargo, ND, through its subsidiary
Hertiage Federal Savings Bank, fsb,
Cando, ND

Not yet available

First National Corporation North Dakota,
Grand Forks, N D , to engage de novo in
lending activities

Not yet available

First National Corporation North Dakota,
Grand Forks, ND, to engage de novo through
its subsidiary, Dakota First Insurance
Company, in underwriting and reinsuring credit
life insurance on loans issued by its subsidiary
bank

Not yet available

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 23, 1995
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 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(S) EXAMINED

DATE OF EXAMINATION

CRA RATING

Dacotah Bank
600 Main
P.0. Box 596
Webster, SD 57274-0596
(605) 345-3306

March 20, 1995

Satisfactory




Federal Reserve Bank of Kansas City

SECTIO N I - APPLICATIONS SUBJECT TO NEW SPAPER N O TICE ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

None.

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL R EG ISTER NOTICE
APPLICATION

COMMENT PERIOD ENDING DATE

Harris Taubman Financial Corporation, Fayette,
Missouri, for prior approval to become a bank
holding company through the acquisition of 100
percent of the voting shares of CTC Bancorp, Inc.,
Fayette, Missouri.*

Not Available

Siouxland National Corporation, South Sioux City,
Nebraska, for prior approval to become a bank
holding company through the acquisition of 100
percent of the voting shares of Siouxland National
Bank, South Sioux City, Nebraska.*

Not Available

SEC TIO N III - APPLICATIONS SUBJECT TO FEDERAL R EG ISTER NOTICE
ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

None.

SECTIO N IV - APPLICATIONS NOT SUBJECT TO FEDERAL REG ISTER N O TICE
OR NEW SPAPER NOTICE
APPLICATION
None.




Federal Reserve Bank of Kansas City

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Identification of Ratings
In connection with the assessment of each insured depository institution’s CRA performance, a
rating is assigned from the following groups:

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

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

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

Bank/ Location

Exam Date

CRA Public
Date

Heritage Bank of Olathe
P.O. Box 4000-343
Olathe, Kansas 66051-9901

03-13-95

06-15-95

Satisfactory

Vectra Bank of Boulder
P.O. Box 1470
Boulder, Colorado 80306

02-13-95

06-20-95

Outstanding




CRA
Ratine

Federal Reserve Bank of Kansas City

Mercantile Bank of Kansas City
Tower Banking Center
P.O . Box 419147
Kansas City, Missouri 64141-0147

01-10-95

06-20-95

Satisfactory

Vectra Bank
P.O . Box 22296
Denver, Colorado 80222-0296

02-13-95

06-21-95

Satisfactory

First Security Bank
P.O . Box 277
Craig, Colorado 81626

03-20-95

06-23-95

Outstanding

*Application is subject to CRA.




FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF JUNE 19, 1995

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
APPLICATION

NOTICE EXP

None.

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

APPLICATION
Change in Control Notice by
Grover Lynn Shade, Muldoon, TX, and
Nelda Sue Shade, Muldoon, TX, to acquire an interest in
Lost Pines Bancshares, Inc., Smithville, TX
(Previously reported during the week of 6-12-95)
♦Section 3(a)(3) application by
Victoria Bankshares, Inc., Victoria, TX, to acquire
Cattlemen’s Financial Services, Inc., Austin, TX,
Cattlemen’s Financial Services of Delaware, Inc.,
Wilmington, DE, and Cattlemen’s State Bank, Austin, TX
(Previously reported during the week of 5-22-95)
♦Section 3(a)(3) application by
Victoria Financial Services, Inc., Wilmington, DE, to
acquire Cattlemen’s State Bank, Austin, TX
(Previously reported during the week of 5-22-95)

95/06/27

95/06/18

95/06/18

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
APPLICATION
None.




NOTICE EXP

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
APPLICATION
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 19. 1995

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 6/23/95

Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Bank of America Nevada, Las Vegas, Nevada, to
establish an automated teller machine (ATM), at
1351 TownCenter Drive, Las Vegas, Nevada. *

Newspaper: 07/02/95

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Wells Fargo & Company, San Francisco, California,
to acquire Wells Fargo HSBC Trade Bank, N.A ., San
Francisco, California, in connection with a joint
venture transaction with HSBC Holdings, pic, London,
England, and certain of its affiliates, including Marine
Midland Banks, Inc., Buffalo, New York. *

Newspaper: Not Available
Fed. Reg.:

Not Available
Sent 6/23/95

Section III -Applications Subject to Federal Register Only
None

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

* Subject to CRA.




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

W eek ending 6/23/95
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institutions) below became available during the week ending June
23, 1995. 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:
O utstanding 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 o f its entire delineated community,
including low- to moderate-income 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