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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H.2# 1997, NO. 23
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending June 7, 1997

ACTIONS TAKEN ST THE BOARD OF GOVERNORS

u rn m m im

cgiffANigg
Mercantile Bancorporation, Inc., St. Louis, Missouri,
and Ameribanc, Inc. - - t o acquire Roosevelt
Financial Group, Inc., Chesterfield, Missouri State
Bank and Trust Company, St. Louis, and Roosevelt
Bank, Chesterfield, all in Missouri.
Approved, June 4, 1997.

ENFORCEMENT




Bank of New York, New York -- order of prohibition
against Donald G. Austin, a former employee and
institution-affiliated party of The Bank of New
York.
Announced, June 3, 1997.
Crestar Securities, Inc., Richmond, Virginia, a
broker-dealer subsidiary of Crestar Financial
Corporation -- order to cease and desist against
Robert L. McCook, a former registered
representative and institution-affiliated party of
Crestar Securities.
Announced, June 3, 1997.
First State Bank of Maple Park, Maple Park, Illinois,
and Maple Park Bancshares -- written agreements
dated September 7, 1995, terminated June 2, 1997.
Announced, June A, 1997.
Mount Vernon Bancshares, Inc., Mount Vernon,
Kentucky, and Jerry Ikerd and Brenda Ikerd -- cease
and desist order dated February 23, 1994,
terminated May 19, 1997,
Announced, June 4, 1997.
Nova Ljubljanska Banka d.d., New York, New York
cease and desist order dated December 20, 1991,
terminated March 27, 1997.
Announced, June 4, 1997.
Purdy Bancshares, Inc., Monett, Missouri, and Glen
Garrett -- cease and desist order dated May 4,
1993, terminated March 25, 1997.
Announced, June 4, 1997.
State Bank of India, Bombay, India, and the bank's
Los Angeles, Chicago, and New York offices
termination of cease and desist order dated
September 22, 1994, terminated March 24, 1997.
Announced, June 4, 1997.

H.2
JUNE 2, 1997
PAGE 2

TO

JUNE 7, 1997

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

ENFORCEMENT
Swiss Bank Corporation (New York Branch) -- cease and
desist order against Michael Quinn, a former
employee of the New York Branch of Swiss Bank
Corporation.
Announced, June 4, 1997.
FORMS
Senior Financial Officer Survey -- extension, without
revision
Approved, June 3, 1997.
Senior Loan Officer Opinion Survey -- extension,
without revision.
Approved, June 3, 1997.
REGULATIONS AND POLICIES
Rules Regarding Availability of Information -request for comment on proposed revisions to comply
with the Electronic Freedom of Information Act
Amendments.
Approved, June A, 1997.
RESERVE BANK OPERATIONS




Federal Reserve Bank of New York -- to purchase
laptop computers.
Approved, June A, 1997-

H.2
JUNE 2, 1997
PAGE 3

TO

JUNE 7, 1997

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

Bank of Gassaway, Gassaway, West Virginia - - t o
establish a branch at 2190 Sutton Lane, Sutton,
West Virginia.
Approved, June 2, 1997.

Chicago

Bank of Lenawee, Adrian, Michigan - - t o establish a
branch at 950 East Michigan Avenue, Silver Spring,
Michigan.
Approved, June 6, 1997.

Atlanta

Commercial Bank, Harrogate, Tennessee -- to establish
a branch at the southeast corner of Emory and
Primetime Roads, Knoxville, Tennessee.
Approved, June 6, 1997.

Richmond

Union Bank and Trust Company, Bowling Green, Virginia
-- to establish a branch at 11625 Brock Road,
Spotsylvania, Virginia.
Approved, June 6, 1997.

BANK HOLDING CDHTANUK




Minneapolis

Bay Bankcorp, Inc., Gladstone, Michigan -- to acquire
BayBank.
Approved, June 2, 1997.

Richmond

BB&T Corporation, Winston-Salem, North Carolina
(formerly Southern National Corporation) -- to
acquire Refloat, Inc., Pilot Mountain, and
Sheffield Financial Corp., Clemmons, North
Carolina.
Permitted, June 5, 1997.

Chicago

Capital Bancorp, Ltd., Lansing, Michigan, and Sun
Community Bancorp Ltd., Tucson, Arizona - - t o
acquire Valley First Community Bank, Scottsdale,
Arizona.
Approved, June 3, 1997.

H.2
JUNE 2, 1997
PAGE 4

TO

JUNE 7, 1997

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

BANK HOLDING COMPANIES




Richmond

CCB Financial Corporation, Durham, North Carolina -to acquire American Federal Bank, FSB, Greenville,
South Carolina.
Approved, June 4, 1997.

Dallas

Central Texas Bankshares Holdings, Inc., Columbus,
Texas - - t o acquire Hill Bancshares Holdings, Inc.
Weimar, Texas; Hill Bancshares, Inc., Wilmington,
Delaware; and Hill Bank & Trust Company, Weimar,
Texas.
Approved, June 6, 1997.

Richmond

Community Bankshares, Inc., Petersburg, Virginia
to acquire County Bank of Chesterfield, Midlothian
Virginia.
Approved, June 5, 1997.

Secretary

Community Capital Corporation, Greenwood, South
Carolina - - t o acquire The Bank of Newberry County
Newberry, South Carolina.
Approved, June 5, 1997.

Chicago

Community Financial Corp., Edgewood, Iowa -- to
acquire Community Savings Bank, Robins, Iowa
Approved, June 3, 1997.

St . Louis

Concord EFS, Inc., Memphis, Tennessee - - t o acquire
EFS Federal Savings Bank, Oakland, Tennessee.
Approved, June 3, 1997.

Kansas City

Farmers State Bank of Fort Morgan, Colorado ESOP,
Fort Morgan, Colorado - - t o acquire additional
shares of FSB Bancorporation.
Approved, June 5, 1997.

Minneapolis

Farmers State Holding Company, Marion, South Dakota
- to acquire First State Financial Services, Inc.,
Bridgewater, South Dakota, and First State Bank.
Approved, June 5, 1997.

Chicago

FBA Bancorp, Inc., Chicago, Illinois -- to acquire
First Bank of the Americas, S.S.B.
Returned, June 2, 1997.

H.2
JUNE 2, 1997
PAGE 5

TO

JUNE 7, 1997

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

BANK HOLDING COHPANIES




Chicago

InvestorsBancorp, Inc., Pewaukee, Wisconsin -- to
acquire InvestorsBank.
Approved, June 4, 1997.

Dallas

Mansfield Bancshares, Inc., Mansfield, Louisiana -to acquire Riverside Bancshares, Inc., Logansport,
Louisiana, and Bank of Logansport.
Approved, June 6, 1997.

Chicago

NEB Corporation, Fond du Lac, Wisconsin - - t o acquire
State Bank of St. Cloud, St. Cloud, Wisconsin.
Approved, June 5, 1997.

Dallas

New Woodson Bancshares, Inc., Graham, Texas - - t o
acquire Woodson Bancshares, Inc., Woodson, Texas,
and First State Bancorp, Inc., Carson City, Nevada,
and First State Bank, Graham, Texas.
Withdrawn, June 2, 1997.

Philadelphia

Northumberland Bancorp, Dunmore, Pennsylvania - - t o
acquire The Northumberland National Bank,
Northumberland, Pennsylvania.
Approved, June 4, 1997.

Philadelphia

Penncore Financial Services Corporation, Newtown,
Pennsylvania -- waiver of application to acquire ML
Bancorp, Inc., Villanova, Pennsylvania, and Main
Line Bank.
Returned, June 5, 1997.

Chicago

Schonath Family Partnership, Limited Partnership,
Oconomowoc, Wisconsin - - t o acquire InvestorsBancorp, Inc., Pewaukee, Wisconsin, and
InvestorsBank.
Approved, June 4, 1997.

Chicago

Shorebank Corporation, Chicago, Illinois - - t o
acquire Shorebank Pacific Corporation, Ilwaco,
Washington, and ShoreTrust Bank, Seattle,
Washington.
Approved, June 3, 1997.

H.2
JUNE 2, 1997
PAGE 6

TO

JUNE 7, 1997

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

BANK HOLDING COMPANIES
Chicago

Shorebank Pacific Corporation, IIWaco, Washington
to acquire ShoreTrust Bank, Seattle, Washington.
Approved, June 3, 1997.

Richmond

South Branch Valley Bancorp, Inc., Moorefield, West
Virginia - - t o acquire shares of Capital State
Bauik, Inc., Charleston, West Virginia.
Approved, June 2, 1997.

St . Louis

TCCBC Acquisition Corp (to be renamed Clay City Bank
Shares, Inc.), Clay City, Illinois -- to acquire
Clay City Banking Company.
Approved, June 3, 1997.

S t . Louis

TrustCorp Financial, Inc., St. Louis, Missouri -- to
acquire Missouri State Bank and Trust Company.
Approved, June 5, 1997.

GC

WMJ/RMJ Family Limited Partnership II -determination that it is a family partnership under
the Bank Holding Company Act.
Granted, June 6, 1997.

CAPITAL STOCK
Kansas City

First Kansas Holding Company, Junction City, Kansas - redemption of shares.
Approved, June 5, 1997.

CHANGE IN BANK CONTROL




St. Louis

Citizens Bancshares of Batesville, Inc., Batesville,
Arkansas -- change in bank control.
Permitted, June 5, 1997.

Dallas

Quadco Bancshares, Inc., Ladonia, Texas -- change in
bank control.
Permitted, June 3, 1997.

H.2
JUNE 2, 1997
PAGE 7

TO

JUNE 7, 1997

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

Pf
f HPtTITIfl rACTORS REPORTS




Secretary

Bank of Aaerica Trust Coapany of Florida, N.A., Boca
Raton, Florida, proposed aerger with Bank of
Aaerica, NT A SA, San Francisco, California -report on coapetitive factors.
Subaitted, June 6, 1997.

San Francisco

Bank of Sumner, Sumner, Washington, proposed
acquisition of the assets and assuaption of the
liabilities of the Buckley, Washington, branch of
Wells Fargo Bank, N.A., San Francisco, California - report on coapetitive factors.
Subaitted, June 2, 1997.

Richmond

Branch Banking and Trust Coapany, Winston-Salea,
North Carolina, proposed aerger with United
Carolina Bank, Whiteville, North Carolina -- report
on coapetitive factors.
Subaitted, June 4, 1997.

Richmond

Branch Banking and Trust Coapany of South Carolina,
Greenville, South Carolina, proposed aerger with
United Carolina Bank of South Carolina, Greer,
South Carolina -- report on coapetitive factors.
Subaitted, June 2, 1997.

Cleveland

Community First Bank, Maysville, Kentucky, proposed
merger with Community First Bank, N.A., Ripley,
Ohio -- report on coapetitive factors.
Subaitted, June 3, 1997.

Cleveland

First National Bank of Pa., Greenville, Pennsylvania,
proposed purchase of certain assets and assuaption
of certain liabilities of The Metropolitan Savings
Bank of Youngstown, Ohio -- report on coapetitive
factors.
Subaitted, June 3, 1997.

Cleveland

First National Bank of Slippery Rock, Slippery Rock,
Pennsylvania, proposed purchase of certain assets
and assumption of certain liabilities of First
Western Bank, Federal Savings Bank, Sharon,
Pennsylvania -- report on coapetitive factors.
Subaitted, June 3, 1997.

H.2
JUNE 2, 1997
PAGE 8

TO

JUNE 7, 1997

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

COMPETITIVE FACTORS REPORTS




Cleveland

Lebanon Citizens National Bank, Lebanon, Ohio,
proposed purchase of three Ohio branches of Key
Bank National Association, Cleveland, Ohio -report on competitive factors.
Submitted, June 3, 1997.

San Francisco

Marina Bank, Marina Del Rey, California, proposed
merger with FCB Interim, Inc., El Segundo,
California -- report on competitive factors.
Submitted, June 9, 1997.

Cleveland

Old Phoenix National Bank of Medina, Medina, Ohio,
EST National Bank, Elyria, Citizens National Bank,
Canton, Peoples National Bank, Wooster, and Peoples
Bank, National Association, Ashtabula proposed
merger with First National Bank of Ohio, Akron,
Ohio -- report on competitive factors.
Submitted, June 3, 1997.

Dallas

Pinemont Bank, Houston, Texas, proposed merger with
Southwest Bank of Texas, N.A. -- report on
competitive factors.
Submitted, June 3, 1997.

San Francisco

Redlands Federal Bank, Federal Savings Bank,
Redlands, California, proposed acquisition of the
assets and assumption of the liabilities of the
Irvine branch of Pioneer Savings and Loan
Association, F.S.L.A. -- report on competitive
factors.
Submitted, June 9, 1997.

Chicago

ShoreTrust Bank, Seattle, Washington, proposed
acquisition of the liabilities of South Shore Bank
of Chicago, Chicago, Illinois -- report on
competitive factors.
Submitted, June 3, 1997.

Cleveland

Three Rivers Bank and Trust Company, Jefferson
Borough, Pennsylvania, proposed merger with
Community Savings Bank, Monroeville, Pennsylvania - report on competitive factors.
Submitted, June 7, 1997.

H.2
JUNE 2, 1997
PAGE 9

TO

JUNE 7, 1997

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

EXTENSIONS

I1H£
Chicago

Lewis Management Company, Morris, Illinois -extension to September 6, 1997, to acquire Illinois
Valley Bancorp, Inc., and Grundy County National
Bank.
Granted, June 3, 1997.

Richmond

Noodsboro Bancshares, Inc., Woodsboro, Maryland
extension to August 19, 1997, to acquire Noodsboro
Bank.
Granted, June A, 1997.

HRglERSHM




Chicago

Community Savings Bank, Robins, Iowa - - t o become a
member of the Federal Reserve System.
Approved, June 3, 1997.

San Francisco

North County Bank, Escondido, California -- to become
a member of the Federal Reserve System.
Approved, June 6, 1997.

H.2
JUNE 2, 1997
PAGE 10

TO

JUNE 7, 1997

ADDITIONS AND CORRECTIONS

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

BANK BRANCHES. DOMESTIC

Chicago

Quad City Bank & Trust Company, Bettendorf, Iowa to establish a branch at 3551 Seventh Street,
Moline, Illinois.
Approved, May 29, 1997.

BANK HOLDING COMPANIES

Chicago

ime

Quad City Holdings, Inc., Bettendorf, Iowa - - t o
acquire Quad City Bank & Trust Company-Illinois,
Moline, Illinois.
Permitted, May 29, 1997.

Bffigas




Chicago

Quad City Bank & Trust Company, Bettendorf, Iowa
to merge with Quad City Bank and Trust CompanyIllinois, Moline, Illinois and to establish a
branch at 3551 Seventh Street.
Approved, May 29, 1997.

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS
SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY
Comment Period Ending Date

Application

NONE

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

Application

SECTION III - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY
Comment Period Ending Date

Application

NONE

SECTION IV - APPLICATIONS NOT SUBJECT TO
FEDERAL REGISTER OR NEWSPAPER NOTICE
Application
NONE
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS

Institution

Examination Date

Rating**

NONE
SECTION VI - APPLICATIONS BULLETIN
Effective April 21, 1997, information regarding the comment periods associated with
applications and notices submitted to the Federal Reserve Bank of Boston for
processing under section 3 and 4 ( c ) (8) of the Bank Holding Company Act of 1956, as
amended, will be available 24 hours a day by calling the following
toll-free number 1-800-896-9480.
♦Subject to CRA.
♦♦Rating Definitions:
"O" - Outstanding; "S" - Satisfactory;
Improve; "SN" - Substantial Noncompliance




"N" - Needs to

FEDERAL RESERVE BANK OF NEW YORK
Comment Period
Ending Date
SECTION r
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
Swiss Bank Corporation, Basel, Switzerland, to acquire ownership and
control of the subsidiaries of Dillon, Read Holding Inc., New York,
New York.

6/27/97

Bankers Trust New York Corporation, New York, New York, to acquire
Alex., Brown Incorporated, and engage in nonbanking activities including
operating Alex. Brown & Sons Incorporated, a subsidiary broker-dealer.

N/A

SECTION IV
Applications Not Involving
Public Comment
None.
SECTION V
Availability of CRA Public Evaluations
In connection with the assessment of each insured depository institution's
CRA performance, a rating is assigned from the following group:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and
is a leader in, ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.




Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated
community, including low- and moderate- income neighborhoods,
in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record
of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate income
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate- income
neighborhoods, in a manner consistent with its resources and capabilities.
Week Ending June 7.1997
NAME OF BANK

RATING

None.

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




EXAMINATION DATE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER
NOTICE ONLY
Absecon Bancorp. Absecon, NJ to form a bank holding company through the acquisition of the
First National Bank of Absecon, Absecon, NJ, pursuant to Section 3 of the Bank Holding
Company Act.
Newspaper comment period expires:

06/18/97*

♦Publication is not required. However, notificant choose to publish anyway.
Pennsylvania State Bank. Camp Hill, PA to establish a branch office at One North Hanover
Street, Carlisle, PA, pursuant to Section 9 of the Federal Reserve Act.
Newspaper comment period expires:

06/30/97

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




NONE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
The following institutions were examined for CRA. The 30-business day period the bank has
to make the evaluation public has lapsed during the week ending June 6, 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.
BamK/Location

Examination Date

CRA Rating

NONE

NONE

NONE




APPLICATIONS BULLETIN
(For the week ending June 7, 1997)

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY

NONE
SECTION n - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL
REGISTER NOTICE

NONE

SECTION HI - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY

NONE

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
Notice by Mellon Bank, N.A., Pittsburgh, PA, received on June 5, 1997, to make an
additional investment through Mellon Canada, Toronto, Canada, in its joint venture
subsidiary, CIBC Mellon Global Securities Services Company.
Notice by Banc One Corp, Columbus, OH, received on June 5, 1997, for its subsidiary Banc
One Capital Corporation to purchase certain assets of Venture Marketing Corporation,
Washington, D.C. d/b/a Delphos International.
Notice by Bank of Corning Co., Corning, OH, received on June 6, 1997, for a change in
Director and Senior Executive Officer.*

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



AVAILABILITY OF CRA PUBLIC EVALUATIONS
(June 6, 1997)

The following state member banks have been examined by the Federal Reserve Bank of
Cleveland for compliance with The Community Reinvestment Act. A public evaluation document
became available from the bank(s) listed below during the week ended June 6, 1997. If you are
interested in obtaining a copy of an evaluation document, please contact the bank(s) directly.
There are four descriptive ratings for CRA:
OUTSTANDING: a bank in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
SATISFACTORY: a bank in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
NEEDS TO IMPROVE: a bank in this group needs to improve its overall record of
ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
SUBSTANTIAL NON COMPLIANCE: a bank in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.




NONE

Federal Reserve Bank of Richmond
■Section I - Applications Subject to Newspaper
Notice Only
Application
Triangle Bank, Raleigh, North
Carolina, to establish a branch
inside the Winn Dixie Supermarket
at 211 North Berkeley Boulevard,
Goldsboro, North Carolina.*

Comment Period Ending Date

6-25-97

Centura Bank, Rocky Mount, North
Carolina, to establish a branch
inside the Hannaford Brothers
Store at 1900 Republic Road,
Virginia Beach, Virginia.

7-3-97

Centura Bank, Rocky Mount, North
Carolina, to acquire the Chadbourn,
Clinton (two), Goldsboro, Kenansville,
Wadesboro (two), Whiteville, and
Williamston, North Carolina, branches
of United Carolina Bank, Whiteville,
North Carolina.*

7-3-97

Centura Bank, Rocky Mount, North
Carolina, to acquire the Faison,
Raeford, Rockingham, and Whiteville,
North Carolina, branches of Branch
Banking and Trust Company, WinstonSalem, North Carolina.*

7-3-97

Citizens Bank of Tazewell, Inc.,
Tazewell, Virginia, to acquire the
Clintwood, Virginia, branch of First
Virginia Bank-Mountain Empire, Damascus,
Virginia; the Pound, Virginia, branch
of Premier Bank-Central, National
Association, Honaker, Virginia; and
the Fort Chiswell, Virginia, branch
of Premier Bank-South, N.A., Wytheville,
Virginia.*

7-3-97

F&M Bank - Allegiance, Inc., Bethesda,
Maryland, to establish a branch at 9401
Key West Avenue, Rockville, Maryland.*

7-6-97

♦Application is subject to CRA requirements.



Federal Reserve Bank of Richmond

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

Comment Period Ending Date

Provident Bankshares Corporation,
Baltimore, Maryland, to acquire
First Citizens Financial Corporation,
Gaithersburg, Maryland, and thereby
indirectly acquire Citizens Savings
Bank, F.S.B., Gaithersburg, Maryland.*

6-30-97

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

None.

Section IV - Application Not Subject to
Federa} Register Notice or Newspaper Notice
Application
Bank of Mecklenburg, Charlotte,
North Carolina, for membership
in the Federal Reserve System.
Wachovia Corporation, WinstonSalem, North Carolina, to acquire
the assets of Macro*World Research
Corporation, Winston-Salem, North
Carolina.

Application is subject to CRA requirements.




Federal Reserve Bank of Richmond

Section V - Availability of CRA Public Evaluations
Week ending June 6, 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
None.




Name of Bank

Examination
___Date

Rat in?

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending June 6.1997
Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

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

Comment Period Ending Date

Commercial Bancshares of Ozark, Inc.
Not yet available*
Ozark, Alabama
1-BHC formation, The Commercial Bank of Ozark, Ozark, Alabama.
Habersham Bancorp
06-09-97*
Cornelia, Georgia
Newspaper
Notification by Mr. Thomas A. Arrendale, III, Ms. Cynthia A. Bussey, and Ms. Nelle Arrendale, as
partners of the Arrendale Undiversified Family Limited Partnership, to collectively to acquire 12.48
percent of the outstanding shares of Habersham Bancorp, Cornelia, Georgia.
Jamestown Union Bancshares, Inc.
06-18-97*
Jamestown, Tennessee
Federal Register
Change in control by Mr. Willard M. Johnson, as managing general partner of the WMJ/RMJ Family
Limited Partnership II, Houston, Texas (Partnership), to transfer 17.7 percent of the shares of
Jamestown Union Bancshares, Inc., Jamestown, Tennessee, currently owned directly by him, to
Partnership, pursuant to the Change in Bank Control Act of 1978.

Section 3 - Applications Subject to Federal Register Only
Application

Comment Period Ending Date

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

♦Subject to the provisions of the Community Reinvestment Act.



Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending June 6.1997

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-incomeneighborhoods, in a manner consistent
with its resources and capabilities.

Bank

CRA Rating

Examination Date

Southern Security
Bank of Hollywood
Post Office Box 6699
Hollywood, Florida 33081
(954) 985-3900

Satisfactory

02-17-97

Gulf Bank
Post Office Box 015-299
Miami, Florida 33145
(305) 443-4853

Satisfactory

02-24-97




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending June 6.1997
Recently Approved Applications

Approval Date

Commercial Bank
06-06-97
Harrogate, Tennessee
To establish a branch located at the southeast comer of Emory and Primetime Roads, Knoxville,
Tennessee.




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

Type

Application

Merger & Branch

M&I Bank of Fox Valley
Appleton, Wisconsin
5 branch offices of M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
and to establish a branch at 2009 East Calumet Street
Appleton, Wisconsin

NP-**

Merger & Branch

M&I Bank Northeast
Green Bay, Wisconsin
10 branch offices of M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
and to establish 3 branches

Np - **

Merger

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

Merger

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

NP-**

Merger

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

NP-**

Merger

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

NP-**

Merger

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

NP-**




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

Iy e
p

Application

Merger & Branch

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

Np . **

Merger

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

NP-**

Merger

M&I First American Bank
NP-**
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 . **

Branch

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

NP - 6-14-97




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

Type
Branch

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

Branch

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

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




Comment Period
Ending Date
NP - 6-23-97

NP - 6-20-97

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

Type

Application

3(a)(3)

Capitol Bancorp, Ltd.*
Lansing, Michigan
Valley First Community Bank (in organization)
Scottsdale, Arizona

FR - 5-27-97
NP - 5-14-97

3(a)(3)

Sun Community Bancorp, Ltd.*
Tucson, Arizona
Valley First Community Bank (in organization)
Scottsdale, Arizona

FR - 5-27-97
NP - 5-14-97

3(a)(1)

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

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

3(a)(3)

Shorebank Corporation*
Chicago, Illinois
Shorebank Pacific Corporation
Ilwaco, Washington
Shoretrust Bank
Seattle, Washington

FR - 5-17-97
NP - 5-28-97

3(a)(1)

Shorebank Pacific Corporation*
Ilwaco, Washington
Shoretrust Bank
Seattle, Washington

FR - 5-17-97
NP - 5-28-97

CoC-HC

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

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




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

Type

Application

3(a)(1)

Schonath Family Partnership, A Limited Partnership*
Oconomowoc, Wisconsin
InvestorsBancorp, Inc.
Pewaukee, Wisconsin
InvestorsBank (in organization)
Pewaukee, Wisconsin

FR - 5-30-97
NP - 5-16-97

3(a)(1)

InvestorsBancorp, Inc.*
Pewaukee, Wisconsin
InvestorsBank (in organization)
Pewaukee, Wisconsin

FR - 5-30-97
NP - 5-16-97

3(a)(1)

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

FR - 6-12-97
NP - **

3(a)(3)

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

FR - 6-26-97
NP - **

3(a)(3)

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

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

3(a)(1)

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

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




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

Ending Date

Type

Application

3(a)(1)

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

FR - 6-30-97
N p . **

3(a)(3)

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

FR - 7-3-97
NP - **

3(a)(5)

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

FR - 7-3-97
N p . **




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

Type

Application

4(c)(8)

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

FR - 6-13-97

4(c)(8)

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

FR - 6-13-97

4(c)(8)

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

FR - 6-19-97

4(c)(8)

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

FR - 6-19-97

4(c)(8)

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

PR _ **




Federal Reserve Bank of Chicago
Section IV - Applications Not Subject to Federal Register or Newspaper Notice

Type
NONE




Application

Federal Reserve Bank of Chicago
Section V - Availability of CRA Public Evaluations
The following state member banks have been examined by the Federal Reserve Bank of Chicago for
compliance with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed
during the week ending June 6, 1997. If you are interested in obtaining a copy of the evaluation document,
please contact the bank(s) directly.
Identification of Ratings
O-

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

S-

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

NI -

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

SN -

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




BANK NAME/LOCATIQN

EXAMINATION DATE

First Community Bank
200 East Main Street
Harbor Springs, Michigan 49740-1512
(616) 526-2114
RSSD# 932745
Liberty Bank
815 North Water Street
Milwaukee, Wisconsin 53202-4201
(414) 223-8400
RSSD# 755346

2/10/97

2/10/97

RATINGS
S

O

RESERVE B A N K APPLICATIONS BULLETIN

For week ending June 6, 1997

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

End of Comment Period

None.

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

Application

End of Comment Period

* Section 3(a)(3) notification by The Union Illinois
1995 Investment Limited Partnership, Swansea,
Illinois, to acquire up to 18.22% of The Union
Illinois Company, Sawnsea, Illinois.

Newspaper: 7-4-97

* Section 3(a)(3) notification by Central Bancompany,
Inc., Jefferson City, Missouri, to acquire Farmers
and Traders Bancshares, Inc., California, Missouri.

Newspaper: 7-7-97

* Section 3(a)(1) notification by City Bancorp,
Springfield, Missouri, to acquire THE BANK,
Springfield, Missouri.

Newspaper: 7-3-97

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE

Application

End nf Comment Period

None.

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

Application
None.

* This notification is subject to CRA.




End nf Comment Period

RESERVE B A N K APPLICATIONS BULLETIN

For week ending June 6, 1997

FEDERAL RESERVE BANK OF ST. LOUIS
SECTION V - AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification of Ratings:
O utstanding reco rd o f m eeting com m unity cred it needs

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

An institution in this group has a satisfactory record of ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
N eeds to im prove rec o rd o f m eeting com m unity cred it needs

An institution in this group needs to improve its overall record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncom pliance in m eeting com m unity cred it n eeds

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
519146




Name of Bank

First State Bank of
DeQueen

Bank Address

DeQueen, AR

Examination
Date
2/24/97

Examination
Rating
Satisfactory

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 Pate

Application
Cobb Limited Partnership, St. Croix Falls, Wisconsin to acquire
control of 55.7% of the voting shares of Financial Services of
St. Croix Falls, Inc., St. Croix Falls, Wisconsin.

June 23,1997
(Federal Register)

James A. Espeland to acquire control of 31.3% of the voting shares
of Henning Bancshares, Inc., Henning, Minnesota.

June 26, 1997
(Federal Register)

New Prague Bancshares, Inc., New Prague, Minnesota for prior
approval to become a bank holding company through the
acquisition of 100% of the voting shares of Community Security
Bank, New Prague, Minnesota, a de novo bank. *

July 7, 1997
(Federal Register)

Waseca Bancshares, Inc., Waseca, Minnesota to engage de novo
in industrial loan and thrift activities through a wholly-owned
subsidiary, American Savings, Inc., Farmington, Minnesota.

June 24,1997

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

Application
NONE.
FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Norwest Corporation, Minneapolis, Minnesota to engage in
the residential mortgage lending business through the
acquisition of Revelation Mortgage Company of America,
Washington, D.C., a joint venture with Revelation Mortgage
Corporation.
La Crescent State Bank, La Crescent, Minnesota, to become
a member of the Federal Reserve System.



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending June 6,1997
ASSIGNMENT OF RATING

IdentificatiQ gfRatings
n
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!SI EXAMINED

PATEO EXAM
F
INATIO
N

C AR
R ATING

American State Bank of Rapid City
632 Main Street
Box 2530
Rapid City, SD 57709-2530

February 24,1997

Outstanding




Federal Reserve Bank of Kansas City

week ending 06/06/97

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
COMMENT PERIOD ENDING DATP.
None.

SECTION II - APPLICATIONS SUBJECTTO BOTH
NEWSPAPER AND FEDERAL REGISTER
COMMENT PERIOD aciwicL PATE
G

APPLICATION
George H. Moyer, Jr., Madison, Nebraska, for prior
approval to acquire an additional 12.84 percent, for a
total of 28.09 percent, and Jon M. Moyer, Madison,
Nebraska, to acquire an additional 12.84 percent, for a
total of 31.83 percent, of the voting shares of Madison
Bancshares, Inc., Madison, Nebraska, and thereby
indirectly acquire The Bank of Madison, Madison,
Nebraska.

June 2 6 , 1997

SECTION m - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
APPLICATION

COMMENT PERIOD ENDING DATF.

Altus NBC Corporation, Inc., Oklahoma City,
Oklahoma, for prior approval to engage de noxo in the
activity of providing data processing services to
others, through a nonbank subsidiary, NBC
Technologies, Inc., Oklahoma City, Oklahoma.




June 25, 1997

Federal Reserve Bank of Kansas C ity

week ending 06/06/97

SE C T IO N IV - A PPLIC A TIO N S N O T SU B JEC T T O FE D E R A L R E G IS T E R N f f l l f f l .

OR NEWSPAPER NOTICE
APPLICATION
Five Points Bank, Orand Island, Nebraska for prior
approval to become a member of the Federal Reserve
System.
SE C T IO N V - A V A ILA B ILITY O F CRA W IB P C EV A LU A TIO N S

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 modetrateincome neighborhoods, in a maimer 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 «nrf helping
to meet the credit needs of its entile delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.




Federal Reserve Bank of Kansas C iiy

Bank/Location

RSSD#

Bank of Colorado 131258
Front Range
P.O. Box 939
Windsor, Colorado 80550-0939
’"Application is subject to CRA.




week ending 06/06/97

Exam Date

CRA Public
... Date

3-3-97

6-5-97

CRA
Rating
Satisfactory

FED
ERAL RESERVE B N O DALLAS APPLICATIONS BULLETIN
AK F
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF JUNE 2, 1997
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
APPLICATION

NOTICE EXP

*Section 9 application by
First State Bank, Livingston, TX,
to establish a branch at
2300 U.S. Highway 190 West,
Livingston, TX 77351

97/06/24

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

** NOTICE EXP

*Section 3(a)(1) application by
New Woodson Bancshares, Inc., Graham, TX,
to acquire Woodson Bancshares, Inc., Woodson, TX,
First State Bancorp, Inc., Carson City, NV, and
First State Bank, Graham, TX

97/07/05

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
APPI TCATION

NOTICE EXP

None.
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 2. 1997

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

Bank
None.




Date of
Examination

CRA Rating

FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 6/06/97
Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Bank of Utah, Ogden, Utah, to establish a mobile
branch office to serve the counties of Box Elder,
Weber, Morgan, Davis, Salt Lake, Utah, and Summit
counties in the State of Utah. *

Newspaper:

6/13/97

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

Newspaper:

Not available

Fed. Reg.:

6/23/97

Newspaper;

Not available

Fed. Reg.:

6/23/97

Section III -Applications Subject to Federal Register Only
None

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

* Subject to CRA.



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 6/06/97
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,
a n d isa leader in; ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
Satisfactory record of meeting community credit needs: An institution has a satisfactory record of
ascertaining and meeting the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
Needs to Improve record of meeting community credit needs: An institution needs to improve its
overall record of ascertaining and helping to meet the credit needs of its entire delineated community,
including low- to moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
Substantial Noncompliance in meeting community credit needs: An institution has a substantially
deficient record of ascertaining and helping to meet the credit needs of its entire delineated community,
including low- to moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

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



H.2A
N t c o Formations and Mergers o,and A q i i i n b ,Bank Holding
oie f
f
custos y
Companies; Change i Bank Control
n
Notices Filed as of June 6,1997
The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act of
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j)), Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board of Governors, no
later than the end of the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end of this release.
The public portions of the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;
addresses are listed at the end of this release. Applications and notices also may be obtained from the
Board.
Applicant or notiflcant

Acquiree or activity

1st United Bancorp,
Boca Raton, FL

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

4

Atlanta

June 12, 1997

Allegiant Bancorp, Inc.,
Clayton, MO

Reliance Financial, Inc., St.
Louis, MI, and
Reliance Federal Savings
and Loan
Association of St. Louis
County, St. Louis, MI,
operating a savings and
loan (b)(4)(ii)

4

St. Louis

June 9, 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




Section of law

Reserve Bank

End of comment period

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

Acquireeo a t v t
r ciiy

AMCORE Financial,
Inc.,
Rockford, IL

County Bank Shares Corp.;
State Bank of Mt. Horeb;
Mt. Horeb, WI; Belleville
Bancshares Corp.,
Belleville, WI; Montello
State Bank, Montello, WI;
State Bank of Argyle,
Argyle, WI; Citizens State
Bank, Clinton, WI;
Belleville State Bank,
Belleville, WI

3

Chicago

April 22, 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 (b)(1),
(bX4), (b)( 15), and (b)(16)

4

New York

March 4, 1997

Bancorp of New Glarus,
Inc.,
New Glarus, WI

The Bank of New Glarus,
New Glarus, WI

3

Chicago

June 6, 1997

Bank of Idaho Holding
Company,
Idaho Falls, ID

Bank of Eastern Idaho,
Idaho Falls, IA

3

San Francisco

June 9, 1997

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

State Street Boston
Corporation,
Boston, MA;
State Street Bank and Trust
Company,
Boston, MA,
trust, securities and data
processing activities (b)(3),
(b)(4), and (bX7)

3 and 4

New York

March 14, 1997




S c i n o 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

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

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

CIBC

Kansas City

June 18, 1997

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

Western American National
Bank,
Bedford, TX

3

Dallas

June 23, 1997

Binger Agency, Inc.,
Binger, OK

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

3

Kansas City

June 20, 1997

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

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

4

Chicago

June 13, 1997

Central Illinois Bancorp,
Sidney, IL

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

3

Chicago

June 26, 1997

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

Century Savings Bank,
Bridgeton, NJ

3

Philadelphia

May 1, 1997

City Bancorp,
Springfield, MO

THE BANK, Springfield,
MO, a de novo bank

3

St. Louis

July 3, 1997




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

Cobb Limited
Partnership, St. Croix
Falls, WI

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

CIBC

Minneapolis

June 23,1997

Comerzbank AG,
Frankfurt am Main,
Germany

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

4

New York

May 14,1997

Commercial Bancshares
of Ozark, Inc., Ozark,
AL

The Commercial Bank of
Ozark,
Ozark, AL

3

Atlanta

July 3, 1997

Community Capital
Corporation,
Greenwood, SC

The Bank of Newberry
County,
Newberry, SC

3

Richmond

May 29, 1997

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

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

4

New York

June 17, 1997

Corley, John William,
0)
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




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

Acquireeo a t v t
r ciiy

Corley, John William,
(2)
Monticelli, IL

and 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

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

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

CIBC

Dallas

April 30, 1997

Crites, John William,
Petersburg, WV

South Branch Valley
Bancorp, Inc.,
Moorefield, WV, and South
Branch Valley National
Bank of Moorefield,
Moorefield, WV

CIBC

Richmond

June 3, 1997

Deer, Charlie,
Monroeville, AL

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

CIBC

Atlanta

May 27, 1997

Deutsche Bank, AG
(Main)
Federal Republic of
Germany

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

4

New York

May 12, 1997

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

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

4

New York

June 17, 1997

Eagle Investment
Company, Inc.,
Glenwood, MN

Eagle Bank,
Glenwood, MN

3

Minneapolis

June 13, 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

Acquireeo a t v t
r ciiy

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

Espeland, James A.,
Henning, MN

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

CIBC

Minneapolis

June 26, 1997

Ewen Bancshares, Inc.,
Ewen, MI

State Bank of Ewen,
Ewen, MI

3

Minneapolis

June 26, 1997

Exchange Bankshares
Corporation of Kansas,
Atchison, KS

The Farmers and Merchants
State Bank,
Effingham, KS

3

Kansas City

May 2, 1997

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

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

3

Atlanta

July 3, 1997

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

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

3

Dallas

June 12, 1997

FBA Bancorp, Inc.,
Chicago, IL

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

3

Chicago

June 12, 1997




S c i noflaw ReserveBank
eto

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

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

croc

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

Financial Services of St,
Croix Falls,
St. Croix Falls, WI

State Bank of Dennison,
Dennison, MN

3

Minneapolis

June 6, 1997

First Bank System, Inc.

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

3 and 4

Minneapolis

May 16, 1997

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

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

3 and 4

Minneapolis

May 16, 1997

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

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

3 and 4

Minneapolis

May 16, 1997

()
i,
Minneapolis, MN
CONTINUED




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 oilat

Acquiree o a t v t
r ciiy

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

West One Life Insurance
Co., Portland, OR, credit
reinsurance (b)(8)(i); CBI
Mortgage, Modesto, CA,
mortgage banking
(b)(l)(iii); Compass Group,
Inc., Spokane, WA,
investment advisory
services (b)(4); Island
Bancorp Leasing, Inc.,
Alameda, CA,
CONTINUED

3 and 4

Minneapolis

May 16,1997

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

leasing & equipment
financing (b)(5); and
numerous partnerships,
community development
activities, (b)(6)

3 and 4

Minneapolis

May 16, 1997

First Bank System, Inc.,
Minneapolis, MN

First Bank National
Association, Fargo, ND

3

Minneapolis

July 3, 1997

First Citizens
BancShares, Inc.,
Raleigh, NC

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

3

Richmond

June 13, 1997

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

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

3

Minneapolis

June 26, 1997

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

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

3

Kansas City

June 27, 1997

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

First State Bank of
Donalsonville,
Donalsonville, GA

3

Atlanta

June 20, 1997

First United Bancshares,
Inc.,
El Dorado, AR

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

3

St. Louis

June 30, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

Firstbank Corporation,
Alma, MI

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

3

Chicago

June 9, 1997

Florida Bancshares, Inc.,
Dade City, FL

First National Bank of
Pasco,
Dade City, FL

3

Atlanta

April 21, 1997

Fulton Financial
Corporation,
Lancaster, PA

The Peoples Bank of
Elkton,
Elkton, MD

3

Philadelphia

June 23, 1997

Gideon Bancshares
Company,
Dexter, MO

First Midwest Bank of
Chaffee,
Chaffee, MO

3

St. Louis

June 20, 1997

Gold Banc Corporation,
Inc.,
Prairie Village, KS

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

3

Kansas City

June 13, 1997

Greer, Elmo,
East Bemstadt, KY

Cumberland Valley
Financial Company,
London, KY

CIBC

Cleveland

May 23, 1997

Guaranty Bancshares
Corporation,
Kansas City, KS

Bank of Coffey,
Coffey, MO

3

Kansas City

June 4, 1997

Harris Financial MHC,
Harrisburg, PA

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

3

Philadelphia

March 27, 1997

Hohl Financial, Inc.,
Wahoo, NE

Wahoo State Bank,
Wahoo, Nebraska

3

Kansas City

May 16, 1997

Huntington Bancshares,
Inc.,
Columbus, OH
CONTINUED

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

4

Cleveland

June 17, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

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

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

4

Cleveland

June 17,1997

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

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

CIBC

Atlanta

June 2, 1997

Industrial Bank of
Japan, Ltd.,
Tokyo, Japan

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

4

New York

May 12, 1997

Intra Financial
Corporation,
Clyde, KS

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

3

Kansas City

June 20,1997

John Porter Pennington,
El Paso, TX

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

CIBC

Dallas

June 11,1997

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

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

CIBC

Atlanta

June 18, 1997

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

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

CIBC

San Francisco

May 5, 1997




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

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

Lane, Richard E.(l);
McFadin, Nick, Jr.;
Krause, Charles
F.
; Rockwald Ltd.;
Wolff, Gary W.;
Meadows, Gilbert R.; G.
G. Gale Family
Partners, Ltd.; BGG
Associates, LC;
Schroeder, George F.;
all of San Antonio, TX;
CONTINUED

South Texas Capital Group,
Inc.,
San Antonio, TX;
Plaza International Bank,
N.A.,
San Antonio, TX;
CONTINUED

CIBC

Dallas

May 2, 1997

Lane, Richard E.(2),
San Antonio, TX;
Garrett, Michael L.
Garrett; Jack B.
Sommerfield Defined
Benefit Pension Plan,
both of Dallas, TX;
Wolff, George A.;
Friddle, Paul R., both of
Boeme, TX;
CONTINUED

South Texas Capital Group,
Inc.,
San Antonio, TX;
Plaza International Bank,
N.A.,
San Antonio, TX;
CONTINUED

CIBC

Dallas

May 2, 1997

Lane, Richard E.(3),
San Antonio, TX;
Garrett, J. Patrick; and
McDonie, Karen
Wynne,
Both of Houston, TX

South Texas Capital Group,
Inc.,
San Antonio, TX;
Plaza International Bank,
N.A.,
San Antonio, TX

CIBC

Dallas

May 2, 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 ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

Lauritzen Corporation
(i),
Omaha, NE
CONTINUED

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

3

Kansas City

June 2, 1997

Lauritzen Corporation
(2),
Omaha, NE
CONTINUED

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

3

Kansas City

June 2, 1997

Lauritzen Corporation,
Omaha, NE

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

3

Kansas City

June 20, 1997

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

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

4

New York

March 26, 1997

Mansfield Bancshares,
Inc.,
Mansfield, LA

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

3

Dallas

June 12, 1997

Marshall & Ilsey
Corporation,
Milwaukee, WI

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

3

Chicago

May 5, 1997




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
oilat

Acquiree o a t v t
r ciiy

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

Meade Bancorp, Inc.,
Brandenburg, KY

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

3

St. Louis

June 20,1997

Mellon Bank
Corporation,
Pittsburgh, OH

Buck Consultants, Inc.,
New York, NY,
employee benefits
consulting (b)(9)(ii)

4

Cleveland

May 27, 1997

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

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

3

St. Louis

June 16, 1997

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

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

3

Dallas

June 30, 1997

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

The Moody National Bank
of Galveston,
Galveston, TX

3

Dallas

June 27, 1997

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

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

CIBC

Kansas City

April 7, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

Applicant or notificant

Acquiree or activity

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

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

CIBC

Kansas City

June 26, 1997

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

Manasquan Savings Bank,
Wall Township, NJ

3

New York

June 27, 1997

National City
Bancshares, Inc.,
Evansville, IN

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

3

St. Louis

June 6, 1997

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

NEB Corporation,
Fond du Lac, WI

State Bank of St. Cloud,
St. Cloud, WI

3

Chicago

May 5, 1997

Neighborhood Bancorp,
San Diego, CA
CONTINUED

extending loand and credit
activities (b)(1) & (2) , and
consumer financial
counseling (b)(6)

3 and 4

San Francisco

June 23, 1997

Neighborhood Bancorp,
San Diego, CA
CONTINUED

Neighborhood Nat'l Bank,
San Diego, CA; &
Neighborhood Capital
Advisors, San Diego, CA,
community development
(b)(12); financial &
investment advisory (b)(6);
Neighborhood Housing
Development Corp., San
Diego, CA, community
development (b)( 12),
CONTINUED

3 and 4

San Francisco

June 23, 1997

New Prague
Bancshares, Inc., New
Prague, MN

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

3

Minneapolis

July 7, 1997




Section of law

Reserve Bank

End of comment [

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

Acquireeo a t v t
r ciiy

New Woodson
Bancshares, Inc.,
Graham, TX

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

3

Dallas

June 27, 1997

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

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

3

St. Louis

July 3,1997

Norwest Corporation,
Minneapolis, MN

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

3

Minneapolis

July 3, 1997

Norwest Corporation,
Minneapolis, MN

Woodhaven National
Bank, Fort Worth, TX

3

Minneapolis

July 3, 1997

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

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

CIBC

Atlanta

June 26, 1997

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

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

CIBC

Atlanta

May 30, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

PBT Bancshares, Inc.,
McPherson, KS

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

3

Kansas City

June 6, 1997

Peoples Bank
Employee Stock
Ownership Trust,
Marion, KY

Peoples-Marion Bancorp,
Inc.,
Marion, KY

3

St. Louis

June 12, 1997

Peoples-Marion
Bancorp, Inc.,
Marion, KY

The Peoples Bank,
Marion, KY

3

St. Louis

June 12, 1997

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

Peoples Home Savings
Bank,
Beaver Falls, PA

3

Cleveland

May 1, 1997

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

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

4

Chicago

June 19, 1997

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

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

4

Chicago

June 19, 1997

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

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

4

Chicago

June 19, 1997




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

Aq
c uireeo a t v t
r ciiy

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

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

4

Chicago

June 19,1997

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

securities brokerage
services & riskless principal
transactions (b)(7), &
Forrest Holdings, Inc., &
Forrest Financial Corp.,
Lisle, IL, leasing
(b)(3(i)(&(ii)

4

Chicago

June 19,1997

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

PN Holdings, Inc.,
Ann Arbor, MI

Pelican National Bank,
Naples, FL (in
organization);
Washtenaw Mortgage
Company,
Ann Arbor, MI, lending
(b)(1)

3 and 4

Atlanta

April 21, 1997

Provident Bankshares
Corporation,
Baltimore, MD

First Citizens Financial
Corp., Gaithersburg, MD,
and Citizens
Savings Bank, F.S.B.,
Gaithersburg, MD,
operating a saving
association (b)(4)(ii);
originating & selling
residential mortgage loans
(b)(1); and selling mortgage
life insurance (b)(l l)(i)

4

Richmond

June 30,1997

Randall M. Proctor,
Sandy, OR

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

CIBC

San Francisco

June 23, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

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

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

CIBC

Kansas City

May 27,1997

Republic Bancshares,
Inc.,
St. Petersburg, FL

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

4

Atlanta

May 23, 1997

Rossenberg, Clifford R.,
Sunset Beach, CA

Security First Bank,
Fullerton, CA

CIBC

San Francisco

May 27, 1997

Security Bancshares,
Inc.,
Scott City, KS

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

3

Kansas City

June 20, 1997

Security State
Corporation,
Centralia, WA

Security State Bank,
Centralia, WA

3

San Francisco

June 9, 1997

Simmons First National
Corporation,
Pine Bluff, AR

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

3

St. Louis

June 27, 1997

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

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

3

Minneapolis

June 27, 1997




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

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

Arizona Community Bank
of Scottsdale,
Scottsdale, AZ

3

Minneapolis

June 6, 1997

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

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

CIBC

Kansas City

June 17, 1997

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

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

3

St. Louis

June 23, 1997

The Union Illinois 1995
Investment Limited
Partnership, Swansea,
IL

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

3

St. Louis

July 7, 1997

United Bankshares, Inc.,
Charleston, WV

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

3

Richmond

June 16, 1997

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

United Rossevelt
Savings Bank,
Carteret, NJ

3

New York

June 23, 1997

Valcourt, Jeffery T.,
Arlington, VA

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

CIBC

Atlanta

June 5, 1997

Village Bancshares,
Inc.,
Springfield, MO

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

3

St. Louis

June 16, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

Applicant or aetfflcaat

AcqaireeoractW i?

W aseca Bancshares,
Inc., Waseca, MN

American Savings, Inc.,
Farmington, MM, acquiring
an industrial loan and thrift
company (bX4Xi)

Waymon Heriot Welch,
Jr., Memphis, TN

Zions Bancorporation,
Sah Lake City, UT




N ir t r im

M w iA w t ie iM

4

M inneapolis

June 24,1997

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

CIBC

S t Louis

June 23,1997

Tri-State Bank,
M ontpelier, ID

3

San Francisco

June 6,1997

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

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




Information Requests
The public portions of the applications and notices currently listed in this release are available on an
expedited basis from the appropriate Federal Reserve Bank. The public portion of the application also
may be obtained from the Board.
Federal Reserve Bank of Boston
Jonathan Fine (TEL: 617-973-3339; FAX: 617-973-3219)
Federal Reserve Bank of New York
Margaret Carmody (TEL: 212-720-7924; FAX: 212-720 -6628)
Federal Reserve Bank of Philadelphia
Rosanna Crosier (TEL: 215-574-6581; FAX: 215-574-4146)
Federal Reserve Bank of Cleveland
Jim Terlop (TEL: 216-579-2197; FAX: 216-579-2932)
Federal Reserve Bank of Richmond
Gaile Clark (TEL: 804-697-8825; FAX: 804-697-8283)
Federal Reserve Bank of Atlanta
Wayne Smith (TEL: 404-589-7265; FAX: 404-589-7342)
Federal Reserve Bank of Chicago
Frank Skweres (TEL: 312-322-4785; FAX: 312-322-5894)
Federal Reserve Bank of 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 Governors of the Federal Reserve System
Freedom of Information Office (TEL: 202-452-3684; FAX: 202-872-7562, and 202-872-7565)




H.2A
N t c o Formations and Mergers o ,and A q i i i n b ,Bank Holding
oie f
f
custos y
Companies; Change i Bank Control
n
Notices Filed since the H.2A dated June 6,1997
The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act of
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j)), Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board of Governors, no
later than the end of the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end of this release.
The public portions of the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;
addresses are listed at the end of this release. Applications and notices also may be obtained from the
Board.
Applicant or notificant

Acquiree or activity

Cabot Bankshares, Inc.,
Cabot, AR

The Capital Bank, Cabot,
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

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




Section of law

Reserve Bank

End of comment period

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

Aq
c uiree o a t v t
r 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

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 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

Swiss Bank
Corporation, Basel,
Switzerland

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

4

New York

June 27, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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