View original document

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

H.2 - No. 26




Board of Governors of the Federal Reserve System
Actions of the Board, its Staff, and the Federal Reserve Banks
Applications and Reports Received Week Ending June 28,1997

H.2 - No. 26
ACTIONS TAKEN BY THE BOARD OF GOVERNORS
BANK HOLDING COMPANIES
First Bank System, Inc., Minneapolis, Minnesota —to acquire U.S. Bancorp,
Portland, Oregon, and its banking and nonbanking subsidiaries.
- Approved, June 23,1997
INTERNATIONAL OPERATIONS




KeyBank National Association, Cleveland, Ohio -- to establish Leasetec
Corporation International, Boulder, Colorado, an agreement corporation, and for
Leasetec to invest in its foreign subsidiaries and to establish foreign branches.
- Approved, June 23,1997

H 2
June 22, 1997 to June 28,1997

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

BANK BRANCHES, DOMESTIC
Cleveland
Andover Bank, Andover, Ohio, to establish a branch at the intersection of Sandusky
Street and State Street, Conneaut, Ohio —report on competitive factors.
- Submitted, June 27,1997
San Francisco
Cuyamaca Bank, Santee, California —to acquire the Pine Valley, Campo, and
Jamul, California, branches of Wells Fargo Bank, N.A., San Francisco, California.
- Withdrawn, June 26,1997
Chicago
Fifth Third Bank o f Central Indiana, Indianapolis, Indiana —to establish a branch at
3060 Valley Farms Road.
- Approved, June 23,1997
Kansas City
Pitkin County Bank & Trust Company, Aspen, Colorado —to establish a branch at
16 Kearns Road, Snowmass Village, Colorado.
- Approved, June 23,1997
Chicago
Prairie Bank & Trust Company, Bridgeview, Illinois —to establish a branch at Caton
Farm Road and Route 59, Joliet, Illinois.
- Approved, June 27,1997
BANK HOLDING COMPANIES
Richmond
Abbeville Capital Corporation, Abbeville, South Carolina —to acquire The Bank of
Abbeville.
- Approved, June 26,1997
Dallas




Bedford Bancshares, Inc., Bedford, Texas -- to acquire Bedford Delaware
Bancshares, Inc., Dover, Delaware, and Western American National Bank, Bedford,
Texas.
- Approved, June 24,1997

H.2
June 22,1997 to June 28, 1997

Page 2

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Dallas
Bedford Delaware Bancshares, Inc., Dover, Delaware —to acquire Western
American National Bank, Bedford, Texas.
- Approved, June 26,1997
Kansas City
Binger Agency, Inc., Binger, Oklahoma ~ to acquire Midstate Bancorp, Inc.,
Hinton, Oklahoma.
- Approved, June 26,1997
New York
Dresdner Bank AG, Frankfurt, Germany —to engage de novo through existing or
future nonbank subsidiaries in lending, leasing, trust company functions, financial
and investment advisory activities, agency transactional services for customer
investments, investment transactions as principal, and management consulting and
counseling activities.
- Permitted, June 23,1997
Atlanta
ECSB Holding Company, Inc., Fort Walton Beach, Florida —to merge with
American National Financial Corporation, Panama City, Florida.
- Approved, June 25,1997
Dallas
Fannin Bancorp, Inc., Employee Stock Ownership Plan & Trust, Windom, Texas —
to acquire Fannin Bancorp, Inc., and Fannin Bank.
- Approved, June 26,1997
St. Louis
Gideon Bancshares Company, Dexter, Missouri —to acquire First Midwest Bank of
Chaffee, Chaffee, Missouri.
- Permitted, June 25,1997
Kansas City
Hohl Financial, Inc., Wahoo, Nebraska —to acquire Wahoo State Bank.
- Approved, June 25,1997
St. Louis
Meade Bancorp, Inc., Brandenburg, Kentucky —to acquire additional shares of
Bedford Loan and Deposit Bancorp, Inc., Bedford, Kentucky.
- Approved, June 25,1997




H2
June 22, 1997 to June 28,1997

Page 3

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
St. Louis
Mulberry Employee Stock Ownership Trust, Mulberry, Arkansas - to acquire
additional shares o f Acme Holding Company, Inc.
- Approved, June 26,1997
Boston
NMBT Corp., New Milford, Connecticut -- to acquire the New Milford Trust
Company.
- Approved, June 27,1997
Richmond
Patapsco Valley Bancshares, Inc., Ellicott City, Maryland - to acquire Central
Maryland Services Corporation and engage in data processing activities.
- Permitted, June 27,1997
Chicago
Pinnacle Financial Services, Inc., St. Joseph, Michigan —to acquire by merger CB
Bancorp, Inc., Michigan City, Indiana, and Community Bank, FSB, and operate a
savings association; and acquire Community Brokerage Services, Inc., and engage in
financial and investment advisory activities, and provide securities brokerage
services and riskless principal transactions.
- Permitted, June 26,1997
Atlanta
Republic Bancshares, Inc., St. Petersburg, Florida —to acquire F.F.O. Financial
Group, Inc., St. Cloud, Florida, and First Federal Savings and Loan Association of
Osceola County, Kissimmee, Florida, and engage in operating a savings and loan
association.
- Permitted, June 25,1997
Secretary
State Street Corporation, Boston, Massachusetts -- to acquire Telesphere
Corporation, New York, New York, and engage in financial data processing.
- Permitted, June 26,1997
Minneapolis
Steams Financial Services, Inc., Employee Stock Ownership Plan, St. Cloud,
Minnesota, and Steams Financial Services, Inc. -- to acquire Arizona Community
Bank of Scottsdale, Arizona.
- Approved, June 24,1997




H.2
June 22, 1997 to June 28, 1997

Page 4

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
General Counsel
Thera Holding Partners, Ltd., Baytown, Texas -- determination that it is a qualified
family partnership under the Bank Holding Company Act.
- Granted, June 24,1997
St. Louis
Village Bancshares, Inc., Springfield, Missouri —to acquire Village Bank.
- Approved, June 26,1997
BANK PREMISES
San Francisco
First Utah Bank, Salt Lake City, Utah -- investment in bank premises.
- Approved, June 24,1997
BANKS, STATE MEMBER
St. Louis
BankTennessee, Memphis, Tennessee —payment of a dividend
- Approved, June 27,1997
Kansas City
Peoples Bank, Pratt, Kansas —six months' notice o f intention to withdraw from
membership in the Federal Reserve System.
- Waived, June 23,1997
CHANGE IN BANK CONTROL
Kansas City
Bedene Insurance Agency, Inc., Arma, Kansas —change in bank control.
- Permitted, June 25,1997
Atlanta
First Holding Company, Livingston, Tennessee -- change in bank control.
- Permitted, June 24,1997
San Francisco
Security First Bank, Fullerton, California —change in bank control.
- Permitted, June 26,1997




H2
June 22, 1997 to June 28,1997

Page 5

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
COMPETITIVE FACTORS REPORTS
New York
Astoria Federal Savings and Loan Association, Long Island City, New York,
proposed merge with the Greater New York Savings Bank, Brooklyn, New York report on competitive factors.
- Submitted, June 24,1997
Dallas
Bank of Logansport, Logansport, Louisiana, proposed merger with Mansfield Bank
& Trust Company, Mansfield, Louisiana —report on competitive factors
- Submitted, June 27,1997
Chicago
Capstone Bank, National Association, Watseka, Illinois, proposed merger with
Goodland Bank, Goodland, Indiana —report on competitive factors.
- Submitted, June 24,1997
Minneapolis
First Bank National Association, East Grand Forks, Minnesota, proposed merger
with United States National Bank o f Oregon, Portland, Oregon —report on
competitive factors.
- Submitted, June 27,1997
Chicago
LaSalle Bank National Association, Chicago, Illinois, proposed merger with LaSalle
Bank, Illinois, Franklin Park, and LaSalle Bank, Westmont, Westmont, Illinois report on competitive factors.
- Submitted, June 23,1997
New York
New York Federal Savings Bank, New York, New York, proposed merger with
Flushing Savings Bank, Flushing, New York -- report on competitive factors.
- Submitted, June 26,1997
Chicago
Norwest Bank Illinois, National Association, Galesburg, Illinois, proposed merger
with Farmers National Bank of Geneseo, Geneseo, Illinois - report on competitive
factors
- Submitted, June 23,1997




H.2
June 22, 1997 to June 28,1997

Page 6

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Richmond
Peoples Bank o f Elkton, Elkton, Maryland, proposed merger with PBE Interim Bank
-- report on competitive factors.
- Submitted, June 23,1997
Chicago
Pinnacle Bank, St. Joseph, Michigan, proposed merger with Community Bank, A
Federal Savings Bank, Michigan City, Indiana -- report on competitive factors.
- Submitted, June 26,1997
Chicago
Royal Bank, Elroy, Wisconsin, proposed purchase o f the assets and assumption of
the liabilities o f several branches of M&I State Bank, Stevens Point, Wisconsin -report on competitive factors.
- Submitted, June 24,1997
Secretary
SunTrust Bank, East Tennessee, National Association, Knoxville, Tennessee,
proposed purchase of the assets and assumption of the liabilities o f five branches of
Union Planters National Bank, Memphis, and one branch of Union Planters Bank of
Lakeway Area, Morristown, Tennessee —report on competitive factors.
- Submitted, June 23,1997
Dallas
Woodhaven National Bank, Fort Worth, Texas, proposed merger with Norwest
Interim Bank Fort Worth, N.A., Fort Worth, Texas —report on competitive factors
- Submitted, June 24,1997
San Francisco
Zions First National Bank, Salt Lake City, Utah, proposed acquisition of the assets
and assumption o f the liabilities of the Coalville, North Logan, and Price, Utah,
branches o f Wells Fargo Bank, N.A., San Francisco, California -- report on
competitive factors.
- Submitted, June 25,1997
Zions First National Bank, Salt Lake City, Utah, proposed acquisition of the assets
and assumption o f the liabilities o f the Cedar City, Logan, and St. George, Utah,
branches o f Wells Fargo Bank, N.A., San Francisco, California —report on
competitive factors.
- Submitted, June 25,1997




H 2
June 22,1997 to June 28,1997

Page 7

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
MEMBERSHIP
St. Louis
BankTennessee, Memphis,Tennessee -- to become a member of the Federal Reserve
System.
- Approved, June 27,1997
Kansas City
Five Points Bank of Grand Island, Grand Island, Nebraska —to become a member of
the Federal Reserve System.
- Approved, June 24,1997
Minneapolis
LaCrescent State Bank, LaCrescent, Minnesota - to become a member of the
Federal Reserve System.
- Approved, June 27,1997




H.2

Additions/Corrections

June 15, 1997 to June 21, 1997
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
BANK BRANCHES, DOMESTIC
Dallas
Texas Bank, Weatherford, Texas —to establish a branch at 2525 Ridgmar
Boulevard, Fort Worth, Texas.
- Approved, June 20,1997
BANK HOLDING COMPANIES
Philadelphia
Absecon Bancorp, Absecon, New Jersey ~ to acquire The First National Bank of
Absecon.
- Approved, June 19,1997
Dallas
Franklin Federal Bancorp, FSB, Austin, Texas —deregistration under Regulation G.
- Approved, May 28,1997
BANKS, NONMEMBER, AND MISCELLANEOUS INSTITUTIONS
Dallas
U.S. Employees Credit Union, Houston, Texas -- deregistration under Regulation G.
- Approved, May 28,1997
COMPETITIVE FACTORS REPORTS
Philadelphia
Penncore Phantom Savings Bank, Newtown, Pennsylvania, proposed merger with
Commonwealth State Bank -- report on competitive factors.
- Submitted, June 19,1997




FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

Application

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

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

Comment Period ..Ending Pate
NONE

SECTION I I I . - APPLICATIONS SUBJEC TO
T
Application

FEDERAL REGISTER NOTICE ONLY
Comment Period Ending Date
NONE
SECTION IV - APPLICATIONS NOT SUBJECT TO
FEDERAL REGISTER OR NEWSPAPER NOTICE

A pplication
NONE
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS

I n s titu tio n

Examination Date

Rating**

NONE
SECTION VI - APPLICATIONS BULLETIN
Effective April 21, 1997, information regarding the comment periods associated wit
applications and notices submitted to the Federal Reserve Bank of Boston fo
processing under section 3 and 4(c)(8) of the Bank Holding Company Act of 1956, a
amended, will be available
24 hours a day by calling the following
toll-free number 1-800-896-9480.

♦Subject to CRA.
♦♦Rating Definitions:
"0" - Outstanding; "S" - Satisfactory; "N" - Needs to
Improve; "SN" - Substantial Noncompliance




FEDERAL RESERVE BANK OF NEW YORK
Comment Period
Ending Date
SECTION I
Applications Subject to Newspaper
Notice Only_____
None.
SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
None.
SECTION III
Nonbanking Applications
(subject to Federal Register Notice Only I
None.
SECTION IV
Applications Not Involving
___Public Comment___
None.

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




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

W EndingJune 28,1997
eek
NAM OF BA
E
NK

RATING

EXAM
INATIONPATE

Bank of Bermuda
(New York) Limited
570 Lexington Avenue
New York, New York 10022

Outstanding

December 9,1996

Marine Midland Bank
One Marine Midland Center
Buffalo, New York 14203

Satisfactory

November 4,1996

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




FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER
NOTICE ONLY
Premier Bank. Doylestown, PA to establish a branch office at 101 Floral Vale Blvd, Yardley,
PA, pursuant to Section 9 of the Federal Reserve Act.
Newspaper comment period expires:

07/13/97

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 NEW
SPAPER
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 27, 1997.
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in, ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Bank/Location

Examination Date

CRARating

Community Bank & Trust
521 Main Street
Forest City, PA 18241

02/24/97

Outstanding




District
Federal Reserve Bank of Cleveland
A p p lication s and n o tifica tio n s filed d u rin g th e w eek o f 6 /28/97

Section I - Applications subject to newspaper notice only
Ending date o f
comment period

Type

Application

18C
9

Received application from Provident Bank of Florida,
Apollo Beach, FL, on June 23, 1997, to merge with
Enterprise National Bank of Sarasota, FL, and incident
thereto establish branches.

MEM

Received application from Provident Bank of Florida,
Apollo Beach, FL, on June 23,1997, to become a
member of the Federal Reserve System.

7/16/97

18C
9

Received application from Fifth Third Bank, Cincinnati,
OH, on June 26,1997, to acquire five (5) branch facilities
of Great Lakes National Bank Ohio, Hamilton, OH, and
incident thereto establish branches.

7/26/97

18C
9

Received application from Fifth Third Bank of Columbus,
7/26/97
Columbus, OH, on June 26,1997, to acquire three (3)
branch facilities of Great Lakes National Bank Ohio,
Hamilton, OH, and incident thereto establish branches.

7/16/97

Footnotes

Section II - Applications subject to both newspaper and Federal Register notice
Ending date o f
comment period

Type

Application

3A3

Received notice from Citizens National Corp, Paintsville,
KY, on June 26,1997, to acquire Josephine Bancshares, Inc.,
Prestonburg, KY.

7/11/97

3A5

Received notice from Provident Financial Group, Cincinnati,
OH, on June 23,1997, to acquire GulfCoast Bancorp, Inc.,
Sarasota, FL.

7/16/97

Footnotes




Section I I I - Applications subject to Federal Register notice only

Type

Ending date o f
comment period

Application
NONE

Footnotes

Section IV - Applications not subject to Federal Register or newspaper notice
Type

Ending date o f
comment period

Application
NONE

Footnotes

Section V - Availability of CRA public evaluations
Description o f the CRA Goal against which institutions are evaluated, the four performance levels, and the
institutions fo r which an evaluation is publicly available.

The CRA requires a periodic evaluation of each covered institution regarding the extent to which it has
ascertained, and helped meet, the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.
The federal bank regulators use the following four performance levels to rate an institution’s performance under
CRA.:
Outstanding
Satisfactory
Needs to Improve
Substantial noncompliance
RSSD
number

Institution/Location
NONE

Footnotes




Examination
date

CRA
public date

CRA
rating

Section V I - C R A examinations scheduled fo r

Institution

Footnotes




'

Location

Q u a rte r o f

Federal Reserve Bank of Richmond

Section 1 - Applications.Subject.to.Newspaper
No.ti.ce..Only
Comment Period EndingDate

/Application
Centura Bank, Rocky Mount, North
Carolina, to establish a commercial
lending branch facility at 4700 Six
Forks Road, Homewood Court, Raleigh,
North Carolina.*

7-19-97

Allied Irish Banks, p.l.c., Dublin,
Ireland, to establish representative
offices in Paoli, Pennsylvania, and
Rolling Hills Estates, California.

Not yet available.

Section II - Applications Subject to Both

Newspaper .and Federal Register Notice
Application
Notice of Change in Control filed by
Estrin Associates, L.L.C. and Estrin
Family Limited Partnership, Bethesda,
Maryland, with respect to GrandBanc,
Inc., Rockville, Maryland (formerly
FWB Bancorporation).

Comment.Period Ending.,-Pate

7-15-97**

Section . . 1 - .Applications.Subject to Federal Register Notice
.11
Application
None.




Comment Period Ending Date

Federal Reserve Bank of Richmond

Section IV - Application Not Subject to
Federal Register Notice or Newspaper Notice
Application
First Fidelity International Bank,
New York, New York, to amend its
articles of association to move the
home office location to Charlotte,
North Carolina.

♦Application is subject to CRA requirements.
**Expiration of comment period specified in the Federal Register.




Federal Reserve Bank of Richmond

Section V - Availability of CRA Public Evaluations
Week ending June 27, 1997

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

RSSD
Number
926025




Name of Bank
F & M Bank-Central Virginia
1425 Seminole Trial
Charlottesville, Virginia 22901-1480

Examination
___ Ea f ___
ti

Rating

3-31-97

Satisfactory

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending June 27.1997

Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

The Peoples Bank & Trust Company
Selma, Alabama
To establish a branch located at 125 Hazel Avenue, Centreville, Alabama.

07-21 -97*

Compass Bank
07-30-97*
Selma, Alabama
To establish a branch located at the insection of J. Turner Butler Boulevard and Gate Parkway,
Jacksonville, Florida.
Commercial Bank of Florida
07-18-97*
Miami, Florida
To establish a branch located at the intersection of Northwest 116th Way and Northwest South River
Drive, Medley, Florida.
Ready Bank of Fort Walton Holding Company, Inc.
Not yet available*
Fort Walton Beach, Florida
Notice for 1 -BHC formation, Ready Bank of West Florida, Fort Walton Beach, Florida.

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

Application

Comment Period Ending Date

Pioneer Bancshares, Inc.
07-25-97*
Chattanooga, Tennessee
To acquire Pioneer, f.s.b., Chattanooga,Tennessee (in organization),and thereby engage in operating
a savings association, pursuant to Section 225.28(b)(4)(ii) o f Regulation Y and Section 4(c)(8) of
the Bank Holding Company Act.

Section 3 - Applications Subject to Federal Register Only

Application
None.




Comment Period Ending Date




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending June 27.1997

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice

Application
AmTrade International Bank of Georgia
Atlanta, Georgia
Commiment waiver request.

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending June 27.1997

Section 10 - Availability of CRA Public Evaluations
The CRA public evaluations of the insured depository institutions listed below became available
during this week. Information about an institution's CRA evaluation may be obtained directly from
the institution. In connection with the assessment of an institution's CRA performance, a rating is
assigned from the following groups:
Outstanding record of meeting community credit needs: An institutionhas an outstanding record
of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs: An institution has a satisfactory record
of ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-incomeneighborhoods,in a manner consistent with its resources and capabilities
Needs to improve record of meeting community credit needs: An institution needs to improve
its overall record of ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Substantial noncompliance in meeting community credit needs: An institution has a
substantially deficient record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.

Bank

CRARating

United American Bank
o f Central Florida
105 West Colonial Drive
Orlando, Florida 32801
(407) 648-0546

Outstanding




Examination Date
03-17-97

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending June 27.1997

Recently Approved Applications

Approval Date

06-25-97
ECSB Holding Company, Inc.
Fort Walton Beach, Florida
To merge with AmericanNational Financial Corporation, Panama City, Florida, and thereby directly
acquire First National Bank Northwest Florida, Panama City, Florida, pursuant to Section 3(a)(5)
of the Bank Holding Company Act.
06-25-97
Republic Bancshares, Inc
St. Petersburg, Florida
Notification by Republic Bancshares, Inc., St. Petersburg, Florida, to acquire F.F.O. Financial
Group, Inc., St. Cloud, Florida, and its thrift subsidiary, First Federal Savings and Loan Association
of Osceola County, Kissimmee, Florida, and thereby engage in operating a savings association,
pursuant to Section 225.28(b)(4)(ii) of Regulation Y and Section 4(c)(8) of the Bank Holding
Company Act.
First Holding Company
06-24-97
Livingston, Tennessee
After-the-factnotifieation filed by Mr. Ronald H. Hyder and Mr. Gary W. McNabb, as co-trustees
of the Melissa Lynn Oakley 1996 Trust, to retain 27.06 percent of the outstanding shares o f First
Holding Company, Livingston, Tennessee, pursuant to the Change in Bank Control Act o f 1978.




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

Ip
y£

Application

Merger & Branch

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

NP - 6-19-97

Merger & Branch

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

NP - 6-19-97

Merger

M&I Bank of Eagle River
NP - 6-19-97
Eagle River, Wisconsin
Eagle River, Wisconsin & Three Lakes, Wisconsin branches of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin

Merger

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

NP - 6-19-97

Merger

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

NP - 6-20-97

Merger

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

NP - 6-19-97

Merger

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

NP - 6-19-97




Federal Reserve Bank of Chicago
Section 1 - Applications Subject to Newspaper
Notice Only cont’d
Comment Period

Type

Application

Merger & Branch

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

NP - 6-19-97

Merger

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

NP - 6-19-97

Merger

NP - 6-19-97
M&I First American Bank
Wausau, Wisconsin
Wausau, Wisconsin & Rothschild, Wisconsin branch offices of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin

Merger & Branch

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

NP - 6-19-97

Branch

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

NP - 6-23-97




Ending Date

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

Type

Application

Branch

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

NP - 6-20-97

Branch

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

NP - 7-7-97

Branch

First American Bank
Carpentersville, Illinois
33 West Monroe Street
Chicago, Illinois

NP - 7-7-97

Branch

Fifth Third Bank of Central Indiana
Indianapolis, Indiana
3060 Valley Farms Road
Indianapolis, Indiana

NP - 7-1-97

Merger & Branch

UnionBank
Streator, Illinois
UnionBank/Sandwich
Sandwich, Illinois
and to establish a branch at
Route 34 and Center Street
Plano, Illinois

N P - **




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

Notice Only corn’d
Comment Period
Ending Date

Type

Application

Merger & Branch

Tiskilwa State Bank
Tiskilwa, Illinois
Tampico National Bank
Tampico, Illinois
First National Bank of Manlius
Manlius, Illinois
and to establish branches at
601 S. Main Street
Princeton, Illinois
1839 N. Main Street
Princeton, Illinois

jy p . **

Merger & Branch

Omni Bank
Macomb, Illinois
Farmers State Bank of Ferris
Ferris, Illinois
and to establish a branch at
Main Street, Ferris, Illinois

NP-**

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




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

Type

Application

3(a)(1)

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

FR - 6-12-97
NP-**

3(a)(3)

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

FR - 6-26-97
NP - 6-27-97

3(a)(1)

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

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

CoC-HC

Home Financial Bancorp
Spencer, Indiana
by Leon A. Greenblatt, in and Chiplease, Inc.

FR - 7-9-97
NP - 7-14-97

CoC-HC

South Holland Bancorp, Inc.
South Holland, Illinois
by Charles E. Waterman

FR - 7-10-97
Np _ **

3(a)(1)

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

FR - 6-30-97
NP - 7-3-97

3(a)(1)

Community National Bancorporation.*
Waterloo, Iowa
Community National Bank (in organization)
Waterloo, Iowa

PR _ **
NP - 7-18-97




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

RegistenNotice cant’d
Comment Period

Ending Date

IXP£

Application

3(a)(3)

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

FR - 7-3-97
NP - 7-7-97

3(a)(5)

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

FR - 7-3-97
NP - 7-7-97

4(c)(8)

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

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

4(c)(8)

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

FR - 6-19-97
NP - 6-25-97




Federal Reserve Bank of Chicago

Section III - Applications Subject to Federal Register
Notice Only

lype

Application

4(c)(8)

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

Comment Period
Ending Date
FR - 6-30-97

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

IXES
NONE




Application

Federal Reserve Bank of Chicago
Section V - Availability of CRA Public Evaluations
The following state member banks have been examined by the Federal Reserve Bank of Chicago for
compliance with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed
during the week ending June 27, 1997. If you are interested in obtaining a copy of the evaluation document,
please contact the bank(s) directly.
Identification of Ratings
O-

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

S-

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

NI -

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

SN -

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




B NKNAM
A
E/LOCATION
First Bank of Berne
102 West Main Street
P.O. Box 369
Berne, Indiana 46711-0369
(219) 589-2151
RSSD #312244

EXAMINATION DATE
3/07/97

RATINGS
S

RESERVE B A N K APPLICATIONS BULLETIN

For week ending June 27, 1997

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

End of Comment Period

Application
None.

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

Application

End of Comment Period

* Section 4(c)(8) notification by Middleburg Bancorp,
Inc., Middleburg, Kentucky, to acquire Lincoln Financial
Bancorp, Stanton, Kentucky (erroneously reported as the
acquisition of First Southern Bancorp, Lexington, Kentucky,
during the week ending June 20, 1997).

Federal Register 7-14-97

* Section 3(a)(3) notification by Commercial
Bancshares, Inc., Texarkana, Arkansas, to acquire
Citizens State Bank, Hempstead, Texas.

Newspaper: 7-25-97

SECTION

m - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE

Application

End ofCommentPeriod

None.

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

End of Comment Period

Section 3(a)(5)(C) notification by Holly Springs
Bancshares, Inc., Holly Springs, Mississippi, to
acquire Bank of Holly Springs, Holly Springs,
Mississippi.

None.

* This notification is subject to CRA.



RESERVE B A N K APPLICATIONS BULLETIN

For week ending June 27, 1997

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

Identification of 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 of its entire delineated community, including low- and moderate-income
97neighborhoods, 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 RSSD
Number

Name of Bank

Bank Address

Examination
Date

Examination
Rating

689245

First State Bank of
Jonesboro

Jonesboro, AR

3/17/97

Outstanding

657459

Lemay Bank & Trust Co.

Lemay, MO

3/10/97

Satisfactory




For week ending June 27,1997

RESERVE B A N K APPLICATIONS BULLETIN

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

RSSD
Number




Name

City

State

FEDERAL RESERVE BANK OF MINNEAPOLIS

Section I - Applications Subject to
Newspaper Notice Only
Comment Period
Ending Date

Application

NONE.
FEDERAL RESERVE BANK OF MINNEAPOLIS

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

Application
NONE.
FEDERAL RESERVE BANK OF MINNEAPOLIS

Section III - Applications Subject
to Federal Register Notice Only
Comment Period
Ending Date

Application
NONE.
FEDERAL RESERVE BANK OF MINNEAPOLIS

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




FEDERAL RESERVE BANK OF MINNEAPOLIS

Section V - Availability of
CRA Public Evaluations
week ending June 27,1997
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.
BANKfSI EXAMINED

DATE OF EXAMINATION

CRA RATING

Security State Bank & Trust Co.
301 Main Street
P.O. Box 1299
Poison, MT 59860-1299

March 17,1997

Satisfactory




Federal Reserve Bank of Kansas City - Week ending June 27, 1997
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION
Vectra Bank, Denver, Colorado for prior approval to
establish a branch at 6025 Parkway Drive, Commerce
City, Colorado

COMMENT PERIOD ENDING DATE
Not Available

SECTION II - A
PPLICATIONS SU
BJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
APPLICATION

COMMENT PERIOD ENDING DATE

Lincoln Bancshares, Lincoln, Missouri notice filed by
Fred and Rayma Joy Wenig, Lincoln, Missouri, to
retain control of Lincoln Bancshares, Inc., Lincoln,
Missouri, and its subsidiary, The Farmers Bank of
Lincoln, Missouri.

July 16, 1997

Thomas J., and S. June Remington, both of Lincoln,
Nebraska, and Ada E. Remington, McCook,
Nebraska; to acquire shares of Clatoiiia Bancshares,
Inc., Clatonia, Nebraska, and thereby indirectly
acquire Farmers Bank of Clatonia, Clatonia,
Nebraska.

July 18, 1997

Century Acquisition Corporation, Hurst, Texas; to
become a bank holding company by acquiring 100
percent of the voting shares of Century Capital
Financial, Inc., Kilgore, Texas (Texas Corp.), and
thereby indirectly acquire Century Capital Financial,
Inc., Kilgore, Texas (Delaware Corp.), and City
National Bank, Kilgore, Texas

July 21, 1997

Davis Bancorporation, Inc., Davis, Oklahoma; to
acquire 17.04 percent: First Centralia Bancshares,
Inc., Centralia, Kansas , to acquire 30.67 percent;
Morrill Bancshares, Inc., Sabetha, Kansas, acquire
34.08 percent and Onaga Bancshares, Inc., Overland
Park, Kansas, to acquire 17.04 percent, of the voting
shares of Century Acquisition Corporation, Hurst,
Texas, and thereby indirectly acquire City National
Bank, Kilgore, Texas.

July 21, 1997




First National Bank of Julesburg and South Platte
Bancorp, ESOP, Julesburg, Colorado; to acquire 1.41
percent for a total of 34.64 percent, of the voting
shares of South Platte Bancorp, Julesburg, Colorado.

July 21, 1997

First National Bank Shares, Ltd., Great Bend, Kansas;
to acquire 20 percent of the voting shares of BankWest
(a de novo bank), Castle Rock, Colorado

July 25, 1997

RCB Holding Company, Claremore, Oklahoma; to
acquire 100 percent of the voting shares of
Northeastern Oklahoma Bancshares, Inc., Inola,
Oklahoma, and thereby indirectly acquire at least 80
percent of the voting shares of Bank of Inola, Inola,
Oklahoma.

July 25, 1997

Stockmens Financial Corporation, Rushville,
Nebraska; to acquire 20 percent of the voting shares of
BankWest (a de novo bank), Castle Rock, Colorado

July 25, 1997

Community Bancshares, Denver, Colorado, for prior
approval to directly acquire 100 percent of the voting
shares of Upper Rio Grande Bank Corporation, Del
Norte, Colorado, and indirectly, not less than 80
percent of the voting shres of Rio Grande County
Bank, Del Norte, Colorado

Not Available

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
APPLICATION

COMMPEN PERIOD ENDING DATE

None.

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
APPLICATION
None.
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:




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

RSSDfl

Exam Date

CRA Public
Date

Schuyler State Bank and
Company
P.O. Box 427
Schuyler, NE 68661-0427

866550

3-31-97

6-25-97

Satisfactory

Lafayette State Bank
811 South Public Road
Lafayette, CO 80026-2127

283054

3-31-97

6-27-97

Outstanding

3-31-97

6-27-97

Satisfactory

Sundance State Bank
94755
P.O. Box 950
Sundance, WY 82729-0950

♦Application is subject to CRA.




CRA
Ratine

District 11
Federal Reserve Bank of Dallas
Applications and Notifications Filed During the Week of June 23, 1997

Section I - Applications subject to new spaper notice only
Type

Application

Comment period
ending date

None.
* Subject to CRA.
** Comment period ending date is the date specified in the newspaper only.
N/A - Not available at this time.*

Section II - Applications subject to both new spaper and Federal Register notice
Comment period
ending date

Type

Application

♦Section 3(a)(1)

First Marshall Bancshares, Inc., Marshall, TX, to acquire
First Marshall Delaware Bancshares, Inc., Dover, DE,
First Marshall Corporation, Marshall, TX, and
East Texas National Bank, Marshall, TX

♦♦97/07/08

♦Section 3(a)(1)

First Marshall Delaware Bancshares, Inc., Dover, DE,
to acquire First Marshall Corporation, Marshall, TX, and
East Texas National Bank, Marshall, TX

*♦97/07/08

♦Section 3(a)(3)

Sterling Bancshares, Inc., Houston, TX, to acquire
First Houston Bancshares, Inc., Houston, TX, and
Houston National Bank, Houston, TX

**97/07/18

♦Section 3(a)(1)

TNB Bancorporation, Inc., Brenham, TX, to acquire
TNB Bancorporation of Delaware, Inc., Wilmington, DE,
and Texas National Bank, Brenham, TX

N/A

♦Section 3(a)(1)

TNB Bancorporation of Delaware, Inc., Wilmington, DE,
to acquire Texas National Bank, Brenham, TX

N/A

* Subject to CRA.
** Comment period ending date is the date specified in the newspaper only.
N/A - Not available at this time.




Federal Reserve Bank of Dallas
Section in - Applications subject to Federal Register notice only
Type

Application

Comment period
ending date

None.
* Subject to CRA.

Section IV - Applications not subject to Federal Register or newspaper notice
Type

Application

Stock Redemption Quadco Bancshares, Inc., Ladonia, TX,
Notice
to repurchase 497 shares of common stock




Comment period
ending date

Federal Reserve Bank of Dallas
Section V - Publicly available CRA evaluations
Description of the CRA goal against which institutions are evaluated, the four performance levels, and the
institutions for which an evaluation is publicly available.

The CRA requires a periodic evaluation of each covered institution regarding the extent to which is has
ascertained, and helped meet, the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
The federal bank regulators use the following four performance levels to rate an institution's performance
under CRA:
O utstanding
Satisfactory
Needs to improve
Substantial noncompliance
RSSD
number

Examination
date

Institution/ Location

CRA
public date

CRA
rating

None.

Section VI - CRA examinations scheduled
Institution

Q uarter of
Location

*N/A *

* The examination schedule for the fourth quarter of 1997 will be published on August 16, 1997.




FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 6/27/97
Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

First Utah Bank, Salt Lake City, Utah, to establish
a branch office at 1300 South State Street, Salt Lake
City, Utah. *

Newspaper:

7/24/07

Santa Barbara Bank & Trust, Santa Barbara,
California, to merge with Citizens Bank of Santa
Paula, Santa Paula, California. *

Newspaper:

7/20/97

Eggemeyer Advisory Corp., Castle Creek Capital, L.L.C.,
Castle Creek Capital Partners Fund-I, L.P., San Diego,
California, and Western Bancorp, Laguna Niguel, California,
to acquire by merger SC Bancorp, Anaheim, California. *

Newspaper:

Not available

Fed. Reg.:

7/21/97

Santa Barbara Bancorp, Santa Barbara, California, to
acquire Citizens Bank of Santa Paula, Santa Paula,
California. *

Newspaper:

7/20/97

Fed. Reg.:

7/21/97

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

Section III -Applications Subject to Federal Register Only
None

Section IV - Applications Not Subject to Federal Register Notice

or Newspaper Notice iCont’-d.)
None

* Subject to CRA.




FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 6/27/97
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during this week. Information
about a particular institution's CRA evaluation may be obtained directly from the institution.
Institution

Location

Examination Date

Rating*

None

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

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




H.2A
N t c o Formations and Mergers o ,and A q i i i n b ,Bank Holding
oie f
f
custos y
Companies; Change i Bank Control
n
N otices F iled as o f Ju ly 3 ,1 9 9 7

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

Acquiree or activity

ABC Bancorp, Moultrie,
GA

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

3

Atlanta

July 18, 1997

Altus NBC Corporation,
Inc., Oklahoma City,
OK

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

4

Kansas City

June 25,1997

AMFED Financial, Inc.,
Minneapolis, MN

Norwest Bank Nevada,
National Association, Las
Vegas, NV

3

Minneapolis

July 14,1997




Section of law

Reserve Bank

End of comment period

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

AnteilsverwaltungZentralsparkasse and
Bank of Austria
Aktiengesellschaft( 1),
both of Vienna, Austria
CONTINUED

Creditanstalt-Bankverein,
Vienna, Austria, and
thereby CA Trade Finance
Services, Inc., Greenwich,
CT in export trade and lease
finance activities (b)(1) &
(2); CA Tradeco, Inc.,
Greenwich, CT in
community development
activities (bX12);
CONTINUED

4

New York

July 14,1997

AnteilsverwaltungZentralsparkasse and
Bank of Austria
Aktiengesellschaft(2),
both of Vienna, Austria
CONTINUED

Creditanstalt-A.W.T. Trade
Finance Co., New York,
NY
in export trade finance
activities (bXl) & (2);
Creditanstalt Corporate
Finance, Inc., Greenwich,
CT in corporate
finance and commercial
lending activities (bXl) &

4

New York

July 14,1997

S c i noflaw ReserveBank
eto

End ofcomment p r o
eid

(2);
CONTINUED
AnteilsverwaltungZentralsparkasse and
Bank of Austria
Aktiengesellschaft(3),
both of Vienna, Austria
CONTINUED

Creditanstalt Equipment
Leasing, Inc., Greenwich,
CT in full payment lease
financing (bX3);
Creditanstalt International
Advisers, Inc., New York,
NY in securities brokerage,
private placement &
riskless principal activities,
CONTINUED

4

New York

July 14, 1997

AnteilsverwaltungZentralsparkasse and
Bank of Austria
Aktiengesellschaft(4),
both of Vienna, Austria
CONTINUED

provides mergeracquisition, corporate
finance & investment
advice & research (bX6) &
(bX7); Creditanstalt
International Asset
Management, Inc., New
York, NY providing
investment management &
economic research (bX6);
CONTINUED

4

New Yoric

July 14, 1997




A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

AnteilsverwaltungZentralsparkasse and
Bank of Austria
Aktiengesellschaft(5),
both of Vienna, Austria
CONTINUED

Creditanstalt Municipal
Leasing Co., Limited
Partnership,
Greenwich, CT in full
payout municipal leasing
(b)(3)

4

New York

July 14, 1997

Area Bancshares
Corporation 1),
Owensboro, KY
CONTINUED

Cardinal Bancshares, Inc.,
Lexington, KY, & The Vine
Street Trust Company,
Lexington, KY, and First &
Peoples Bank, Springfield,
KY, and HNB Bank
National Associaton,
Harlan, KY, and Jefferson
Banking Company,
Louisville, KY,
CONTINUED

3 and 4

St. Louis

July 21, 1997

Area Bancshares
Corporation^),
Owensboro, KY
CONTINUED

and Alliance Bank, FSB,
Somerset, KY, and
operation of a federal
savings bank (bX4), and
Cardinal Data Services
Corporation, Lexington,
KY, and data processing
activities (b)( 14)

3 and 4

St. Louis

July 21, 1997

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

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

CIBC

Atlanta

June 5, 1997

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

BBV Latlnvest Securities
Inc.,
New York, NY,
securities activities (bXl),
(b)(4), (b)(15), and (bX16)

4

New York

March 4, 1997

Bank of Idaho Holding
Company,
Idaho Falls, ID

Bank of Eastern Idaho,
Idaho Falls, ID

3

San Francisco

June 9, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

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

State Street Boston
Corporation,
Boston, MA;
State Street Bank and Trust
Company,
Boston, MA
trust, securities and data
processing activities (bX3),
(b)(4), and (bX7)

3 and 4

New York

March 14, 1997

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

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

4

New York

July 3, 1997

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

credit (b)(1); trust company
activities (b)(5); acting as
investment or financial
advisor (bX6); securities
brokerage services (bX7);
buying & selling securities
(bX7); acting as agent for
the private placement of
securities (bX7);
CONTINUED

4

New York

July 3, 1997

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

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

4

New York

July 3, 1997

Banterra Corp,
Eldorado, IL

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

3

St. Louis

July 18, 1997




S c i no law Reserve Bank
eto f

End o comment p r o
f
eid

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

Acquiree ora t v t
ciiy

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

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

CIBC

Kansas City

July 3, 1997

Bryan Family
Management Trust,
Bryan, TX, and BryanHeritage Limited
Partnership, Bryan, TX

Bryan-Heritage Limited
Partnership, Bryan, TX, and
The First National Bank of
Bryan, Bryan, TX

3

Dallas

July 21, 1997

Bryan, James Hugh,
Jasper, GA

JBC Bancshares, Inc.,
Jasper, GA, and
Jasper Banking Company,
Jasper, GA

CIBC

Atlanta

July 10, 1997

Cabot Bankshares, Inc.,
Cabot, AR

The Capital Bank, Cabot,
AR

3

St. Louis

July 11, 1997

Cabot Bankshares, Inc.,
Cabot, AR
CORRECTION

The Capital Bank, Little
Rock, AR

3

St. Louis

July 11, 1997

Central Bancompany,
Inc., Jefferson City, MO

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

3

St. Louis

July 7, 1997

Central Illinois Bancorp,
Sidney, IL

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

3

Chicago

June 26,1997

Century Acquisition
Corporation, Hurst, TX

Century Capital Financial,
Inc., Kilgore, TX,
and Century Capital
Financial, Inc.,
Kilgore, TX, and City
National Bank, Kilgore, TX

3

Kansas City

July 21, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

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

Century Savings Bank,
Bridgeton, NJ

3

Philadelphia

May 1, 1997

Century South Banks,
Inc., Dahlonega, GA

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

3

Atlanta

July 18, 1997

Citizens National
Corporation, Pa^ntsville,
KY

Josephine Bancshares, Inc.,
Prestonburg, KY, and The
Bank Josephine,
Prestonburg, KY

3

Cleveland

July 28, 1997

City Bancoip,
Springfield, MO

THE BANK, Springfield,
MO, a de novo bank

3

St. Louis

July 3, 1997

Comerjsbank AG,
Frankfurt am Main,
Germany

CAM Acquisition, LLC,
Wilmington, DE
Montgomery Asset
Mangement, L.P.,
Montgomery Services,
LLC,
all of San Francisco, CA,
securities activities (bX7)(i)
and (iii); financial &
Investment advisory
services (bX6);
administrative services

4

New York

May 14, 1997

Commercial Bancshares
of Ozark, Inc., Ozark,
AL

The Commercial Bank of
Ozark,
Ozark, AL

3

Atlanta

July 3, 1997

Commercial
Bancshares, Inc.,
Texarkana, AR

Citizens State
Bank, Hempstead, TX

3

St. Louis

July 29, 1997

Community Bancshares,
Inc., Butler, MO

Citizens Bank, Appleton
City, MO

3

Kansas City

July 31,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeora t v t
ciiy

Community Bancshares,
Inc., Denver, CO

Upper Rio Grande Bank
Corporation, Del Norte,
CO, and Rio Grande
County Bank, Del Norte,
CO

3

Kansas City

July 28, 1997

Community National
Bancorporation,
Waterloo, IA

Community National Bank
(in organization),
Waterloo, IA

3

Chicago

July 29, 1997

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

Financial advisor (bX 1) &

4

New York

June 17,1997

Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A.(l), Rabobank
Nederland, Utrecht, The
Netherlands
CONTINUED

Smith Graham & Co. Asset
Managers L.P., Houston,
TX,&SGR Global
Advisers, Houston, TX, &
Robeco Institutional Asset
Management US, Inc.,
Houston, TX, & AEA
Global Advisors LLC, New
York, NY, & Robeco
Group, N.V., Rotterdam
CONTINUED

4

New York

July 10, 1997

Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A.(2), Rabobank
Nederland, Utrecht, The
Netherlands
CONTINUED

Smith Graham & Co. Asset
Managers L.P., and SGR
Global Advisors, and
Robeco Institutional Asset
Management US, Inc., and
AEA Global Advisors,
LLC, and Smith Graham &
Co. Asset Managers L.P.,
and SGR Global Advisers,
CONTINUED

4

New York

July 10,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

()
2

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A.(3), Rabobank
Nederland, Utrecht, the
Netherlands
CONTINUED

Robeco Institutional Asset
Management US, Inc., and
AEA Global Advisors LLC,
in investment (b)(6), as a
general partner to and
providing administrative
services to investment
partnerships, including
placing interests in such
partnerships, CONTINUED

4

New York

July 10, 1997

Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A.(4), Rabobank
Nederland, Utrecht, the
Netherlands
CONTINUED

in acting as a commodity
pool operator, and in
providing administrative
services to open-end
investment companies

4

New York

July 10, 1997

CoreStates Financial
Corp., Philadelphia, PA

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

4

Philadelphia

June 27, 1997

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

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

CIBC

Chicago

May 16,1997

Corley, John William,
(2)
Monticelli, IL
CONTINUED

First State Bank of Atwood,
Atwood, IL

CIBC

Chicago

May 16, 1997

CoVest Bancshares,
Inc.,
Des Plaines, IL

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

3

Chicago

July 3,1997




S c i no law Reserve Bank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

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

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

CIBC

Dallas

April 30, 1997

Davis Bancorporation,
Inc., Davis, OK; First
Centralia Bancshares,
Inc.,
Centralia, KS; Morrill
Bancshares,
Inc., Sabetha, KS; and
Onaga
Bancshares, Inc.,
Overland Park, KS

Century Acquisition
Corporation,
Hurst, TX, and City
National Bank,
Kilgore, TX

3

Kansas City

July 21, 1997

Deposit Guaranty Corp.,
Jackson, MS

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

4

Atlanta

July 3, 1997

Deutsche Bank, AG
(Main)
Federal Republic of
Germany

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

4

New York

May 12,1997

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

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

3

Atlanta

June 27, 1997

Edgar County Banc
Shares, Inc.,
Paris, IL

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

3

Chicago

June 30, 1997

Edison Bancshares, Fort
Myers, FL

Edison
National Bank (in
organization), Fort Myers,
FL

3

Atlanta

August 1, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquiree o a t v t
r ciiy

Eggemeyer Advisory
Corp., San Diego, CA,
and Castle Creek
Capital, L.L.C., San
Diego, CA, Castle Creek
Capital Partners Fund I, L.P., San Diego, CA,
and Western Bancorp,
Laguna Niguel, CA.

SC Bancorp, Anaheim, CA,
and Southern California
Bank, Anaheim, CA

3

San Francisco

July 21, 1997

Enterbank Holdings,
Inc., Clayton, MO

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

3

St. Louis

July 14, 1997

Estrin Associates,
L.L.C. and Estrin
Family Limited
Partnership, Bethesda,
MD

Estrin Associates, L.L.C. &
Estrin Family Limited
Partnership Tl, Bethesda,
MD

CIBC

Richmond

July 15, 1997

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

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

3

Chicago

July 3, 1997

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

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

3

Chicago

July 3, 1997

FBA Bancorp, Inc.,
Chicago, IL

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

3

Chicago

June 12, 1997




S c i no law Reserve Bank
eto f

End o comment p r o
f
eid

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

Acquiree ora t v t
ciiy

Ferguson, Roy, Tulsa,
OK; Leonard, Michael
5., Muskogee, OK,
directly
and indirectly; and
Jackson, Beverly Carter,
Q-TIP Trust, and
Leonard, Michael
5.,
Trustee, both of
Stigler, OK

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

CIBC

Kansas City

July 2, 1997

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

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

CIBC

Dallas

June 18, 1997

Fifth Third Bancorp,
Cincinnati, OH

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

4

Cleveland

May 27,1997

First Chicago NBD
Corporation, Chicago, IL

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

4

Chicago

June 30, 1997

First Eldorado
Bancshares, Inc.,
Eldorado,
IL

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

3

St. Louis

July 10, 1997

First Fairland
Banshares, Inc.,
Fairland, OK

Fairland Holding Company,
Inc., Neosho,
MO

3

Kansas City

August 1,1997

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

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

3

Dallas

July 11, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

First Midwest Bancorp,
Inc., Itasca, IL

SparBank, Incorporated,
McHenry, IL, and McHenry
State Bank, McHenry, IL

3

Chicago

July 21, 1997

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

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

3

Minneapolis

June 26, 1997

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

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

3

Kansas City

June 27, 1997

First National Bank of
Julesburg and South
Platte Bancorp, ESOP,
Julesberg, CO

South Platte Bancorp,
Julesburg, CO

3

Kansas City

July 21, 1997

First National Bank
Shares, LTD., Great
Bend,
KS

BankWest (a
de novo bank), Castle Rock,
CO

3

Kansas City

July 25, 1997

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

First State Bank of
Donalsonville,
Donalsonville, GA

3

Atlanta

June 20,1997

First State Bancshares,
Inc., Farmington, MO

Perry County Financial
Corporation, Perryville,
MO, and
Perry County Savings
Bank, FSB,
Perryville, MO operating a
savings
association (bX4)

4

St. Louis

August 1,1997

First United Bancshares,
Inc.,
El Dorado, AR

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

3

St. Louis

June 30, 1997

Florida Bancshares, Inc.,
Dade City, FL

First National Bank of
Pasco,
Dade City, FL

3

Atlanta

April 21, 1997




S c i no law Reserve Bank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Fulton Financial
Corporation,
Lancaster, PA

The Peoples Bank of
Elkton,
Elkton, MD

3

Philadelphia

June 23, 1997

Gideon Bancshares
Company,
Dexter, MO

First Midwest Bank of
Chaffee,
Chaffee, MO

3

St. Louis

June 20,1997

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

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

CIBC

Chicago

July 9, 1997

Greer, Elmo,
East Bemstadt, KY

Cumberland Valley
Financial Company,
London, KY

CIBC

Cleveland

May 23, 1997

Harris Financial MHC,
Harrisburg, PA

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

3

Philadelphia

March 27, 1997

Hibernia Corporation,
New Orleans, LA

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

3

Atlanta

June 14, 1997

Huntington Bancshares
Incorporated(l),
Columbus, OH
CONTINUED

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

3 and 4

Cleveland

July 18,1997




S c i no law Reserve Bank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Huntington Bancshares
Incorporated^),
Columbus, OH
CONTINUED

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

3 and 4

Cleveland

July 18, 1997

Huntington Bancshares
Incorporated(3),
Columbus, OH
CONTINUED

FMB-Reed City Bank, Reed
City, MI; FMB-Maynard
Allen Bank, Portland, MI;
FMB-Old State Bank,
Fremont, MI; FMB-Arcadia
Bank, Kalamazoo, MI; and
FMB-Trust, Holland, MI
trust company activities
(bX5); FMB-Brokerage
Services, Inc., Holland, MI
CONTINUED

3 and 4

Cleveland

July 18,1997

Huntington Bancshares
lncorporated(4),
Columbus, OH
CONTINUED

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

3 and 4

Cleveland

July 18, 1997

Huntington Bancshares,
Inc.(A), Columbus, OH,
Huntington Capital
Corp.,
Columbus, OH
CONTINUED

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

4

Cleveland

June 17,1997

Huntington Bancshares,
lnc.(B),
Columbus, OH
CONTINUED

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

4

Cleveland

June 17,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Industrial Bank of
Japan, Ltd.,
Tokyo, Japan

Aubrey G. Lanston & Co.,
Inc.,
New York, NY, securities
activities (bX7); data
processing (b)(14);
financial & investment
activities (b)(6); and
underwriting (bX8)

4

New York

May 12, 1997

Intra Financial
Corporation,
Clyde, KS

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

3

Kansas City

June 20,1997

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

American National
Creighton
Company, Creighton, NE

3

Kansas City

July 18, 1997

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

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

CIBC

Atlanta

June 18, 1997

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

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

CIBC

San Francisco

May 5,1997

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

Kentucky Home Bank,
Bardstown, KY

3

San Francisco

April 17, 1997

Lashute, Ronald J.,
Opelousas, LA

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

CIBC

Atlanta

May 23, 1997




S c i no law ReserveRank
eto f

End o comment p r o
f
eid

A p i a tor n t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Leake Family
Partnership, L.P.,
Jackson,
MS

Citizens Capital
Corporation, Magee, MS,
and
Citizens State Bank, Magee,
MS

CIBC

Atlanta

July 23, 1997

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

IAI Holdings Inc.,
Investment Advisers, Inc.,
Minneapolis, MN, trust
services (b)(3); investment
advisory services (bX4);
full-service brokerage
(b)( 15); foreign exchange
execution & advisory
services, and other advisory
& administrative services

4

New York

March 26, 1997

Marshall & Ilsey
Corporation,
Milwaukee, WI

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

3

Chicago

May 5, 1997

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

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

CIBC

Atlanta

June 2,1997

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

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

CIBC

Kansas City

April 7,1997

Middleburg Bancorp,
Inc., Middleburg, KY

Lincoln Federal Savings
Bank, Liberty, KY in the
operation of a federal
savings bank (b)(4)

4

St. Louis

July 24, 1997




S c i no law Reserve Bank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oilat

Acquireeora t v t
ciiy

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

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

3

St. Louis

June 16, 1997

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

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

3

Dallas

June 30,1997

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

The Moody National Bank
of Galveston,
Galveston, TX

3

Dallas

June 27,1997

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

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

CIBC

Kansas City

June 26, 1997

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

Manasquan Savings Bank,
Wall Township, NJ

3

New York

June 27, 1997

Murfreesboro Bancorp,
Inc., Murfreesboro, TN

Bank of Murfreesboro,
Murfreesboro, TN

3

Atlanta

July 18, 1997

National City
Bancshares, Inc.,
Evansville, IN

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

3

St. Louis

June 6,1997

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

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

3

Richmond

June 26, 1997




S c i no law Reserve Bank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquiree o a t v t
r ciiy

Neighborhood
Bancorp(l),
San Diego, CA
CONTINUED

Neighborhood Nat'l Bank,
San Diego, CA; &
Neighborhood Capital
Advisors, San Diego, CA,
community development
(bX12); financial &
investment advisory (bX6);
Neighborhood Housing
Development Corp., San
Diego, CA, community
development 0>X12),
CONTINUED

3 and 4

San Francisco

June 23, 1997

Neighborhood
Bancorp(2),
San Diego, CA
CONTINUED

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

3 and 4

San Francisco

June 23, 1997

New Prague
Bancshares, Inc., New
Prague, MN

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

3

Minneapolis

July 7, 1997

New Woodson
Bancshares, Inc.,
Graham, TX

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

3

Dallas

June 27,1997

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

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

3

St. Louis

July 3,1997

Northway Financial,
Inc., Berlin, NH

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

3

Boston

July 17, 1997




S c i no law Reserve Bank
eto f

End o comment p r o
f
eid

A p i a torntfiat
plcn
oifcn

Acquireeora t v t
ciiy

Northwest Suburban
Bancorp., Inc. (in
formation),
Arlington Heights, IL

Mount Prospect
National Bank (in
organization), Mount
Prospect, IL

3

Chicago

July 28, 1997

Norwest Corporation,
Minneapolis, MN

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

4

Minneapolis

July 8, 1997

Norwest Corporation,
Minneapolis, MN

Woodhaven National
Bank, Fort Worth, TX

3

Minneapolis

July 3, 1997

Norwest Corporation,
Minneapolis, MN

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

3

Minneapolis

July 14, 1997

Norwest Corporation,
Minneapolis, MN

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

3

Minneapolis

July 3, 1997

NSS Bancorp, Inc.,
Norwalk, CT

Norwalk Savings Society,
Norwalk, CT

3

New York

July 21, 1997

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

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

CIBC

Atlanta

June 26,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

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

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

CIBC

Atlanta

May 30,1997

PBT Bancshares, Inc.,
McPherson, KS

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

3

Kansas City

June 6,1997

Peoples Bancorp, Inc.,
Marietta, OH

Gateway Bancorp, Inc.,
Catlettsburg, KY, and
Catlettsburg Federal
Savings Bank, Catlettsburg,
KY operating a savings
association (bX4Xii)

4

Cleveland

August 1, 1997

Peoples Bank
Employee Stock
Ownership Trust,
Marion, KY

Peoples-Marion Bancorp,
Inc.,
Marion, KY

3

St. Louis

June 12,1997

Peoples Community
Bancshares, Inc.,
Colquitt,
GA

Farmers Bank of Malone,
Malone, FL

3

Atlanta

July 14, 1997

Peoples-Marion
Bancorp, Inc.,
Marion, KY

The Peoples Bank,
Marion, KY

3

St. Louis

June 12, 1997

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

Peoples Home Savings
Bank,
Beaver Falls, PA

3

Cleveland

May 1,1997

Pioneer Bancshares,
Inc., Chattanooga, TN

Pioneer Bank, F.S.B.,
Chattanooga, TN operating
a savings
association (b)(4)

4

Atlanta

July 25, 1997




S c i no law Reserve Bank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

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

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

3

Kansas City

July 18, 1997

Plainview Holding
Company,
Pilger, NE

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

3

Kansas City

June 23, 1997

Porter, John D., Jr.,
Mount Hope, KS, and
Hill, Nancy L., Burrton,
KS

Mount Hope Bancshares,
Inc., Mount Hope, KS, and
First National Bank of
Mount Hope, Mount Hope,
KS

CIBC

Kansas City

July 15, 1997

Proctor, Randall M.,
Sandy, OR

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

CIBC

San Francisco

June 23,1997

Provident Bankshares
Corporation,
Baltimore, MD

First Citizens Financial
Corp., Gaithersburg, MD,
and Citizens
Savings Bank, F.S.B.,
Gaithersburg, MD,
operating a saving
association (bX4Xii);
originating & selling
residential mortgage loans
(bXl); and selling mortgage
life insurance (bXl 0 (0

4

Richmond

June 30, 1997

Provident Financial
Group, Inc., & FGBI
Acquisition Corp., both
of Cincinnati, OH

Florida Gulfcoast Bancorp,
Inc., Sarasota, FL, and
Enterprise National Bank of
Sarasota,
Sarasota, FL

3

Cleveland

July 24, 1997

RCB Holding Company,
Claremore, OK

Northeastern Oklahoma
Bancshares,Inc., Inola, OK,
and Bank of Inola, Inola,
OK

3

Kansas City

July 25, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Remington, Thomas J.,
and S. June, both of
Lincoln,
NE, and Remingrton,
Ada E., McCook,
Nebraska

Clatonia Bancshares, Inc.,
Clatonia, NE, and
Farmers Bank of Clatonia,
Clatonia, NE

CIBC

Kansas City

July 18, 1997

Republic Bancshares,
Inc.,
St. Petersburg, FL

F.F.O. Financial Group,
Inc.,
St. Cloud, FL, and First
Federal Savings and Loan
Association of Ocelola
County, Kissimmee, FL,
operating a savings
association (b)(4Xii)

4

Atlanta

May 23, 1997

Rossenberg, Clifford R.,
Sunset Beach, CA

Security First Bank,
Fullerton, CA

CIBC

San Francisco

May 27, 1997

Santa Barbara Bancorp,
Santa Barbara, CA

Citizens State
Bank of Santa Paula, Santa
Paula, CA

3

San Francisco

July 25, 1997

Security Bancshares,
Inc.,
Scott City, KS

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

3

Kansas City

June 20, 1997

Security State
Corporation,
Centralia, WA

Security State Bank,
Centralia, WA

3

San Francisco

June 9, 1997

Simmons First National
Corporation,
Pine Bluff, AR

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

3

St. Louis

June 27, 1997

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

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

3

Minneapolis

June 27,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Sterling Bancshares,
Inc., Houston, TX

First Houston Bancshares,
Houston, TX, and Houston
National Bank, Houston, TX

3

Dallas

July 21, 1997

Stockmens Financial
Corporation, Rushville,
NE

BankWest
(a de novo bank), Castle
Rock, CO

3

Kansas City

July 25, 1997

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

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

croc

Kansas City

June 17, 1997

Swiss Bank
Corporation, Basel,
Switzerland

Dillon, Read Holding, Inc.,
New York, NY, investment
advisory lending (bX6);
futures commission
merchant (b)(7); brokerage
activities (bX7);
underwriting

4

New York

June 27, 1997

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

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

3

St. Louis

June 23, 1997

The Union Illinois 1995
Investment Limited
Partnership, Swansea,
IL

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

3

St. Louis

July 7, 1997

TNB Bancorporation,
Inc., Brenham, TX, and
TNB
Bancorporation of
Delaware, Inc.,
Wilmington, DE

Texas National Bank,
Brenham, TX

3

Dallas

July 29, 1997

Triangle Bancorp, Inc.,
Raleigh, NC

Bank of Mecklenburg,
Charlotte, NC

3

Richmond

August 1, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

United Bankshares, Inc.,
Charleston, WV

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

3

Richmond

June 16, 1997

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

United Rossevelt
Savings Bank,
Carteret, NJ

3

New York

June 23,1997

Valcourt, Jeffery T.,
Arlington, VA

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

CIBC

Atlanta

June 5, 1997

Waseca Bancshares,
Inc., Waseca, MN

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

4

Minneapolis

June 24,1997

Waterman, Charles E.
Frankfort, IL

South Holland Bancorp,
Inc., South Holland, IL, and
South Holland Trust &
Savings Bank, South
Holland, IL

CIBC

Chicago

July 10, 1997

Welch, Waymon Heriot,
Jr., Memphis, TN

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

CIBC

St. Louis

June 23,1997

Wenig, Fred and
Rayma, Lincoln, MO

Lincoln Bancshares, Inc.,
Lincoln,
MO, and The Fanners Bank
of
Lincoln, Lincoln, MO

CIBC

Kansas City

July 16, 1997

Young, David E.,
Chattanooga, TN

East Ridge
Bancshares, Inc., East
Ridge, TN, and Bank of
East Ridge, East Ridge, TN

CIBC

Atlanta

July 22, 1997

Zions Bancorporation,
Salt Lake City, UT

Tri-State Bank,
Montpelier, ID

3

San Francisco

June 6,1997




S c i no law ReserveBank
eto f

End ofcomment p r o
eid

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

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




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

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

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

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

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

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

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

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

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

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

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

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

Michael Johnson (TEL: 415-974-2995; FAX: 415-974-3031)
Board of G overnors of the Federal Reserve System

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




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