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RESEARCH LIBR R
AY
ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

y nn Q c5 ff 'SZ H.2, 1992, No. 11
tf
MR
3 Actions of the Board, its Staff, and
-- - pr~FFVl3WH4 Federal Reserve Banks;
i ..
rc " aEvAt^lications and Reports Received
of
During the Week Ending March 14, 1992

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANK HOLDING COMPANIES
First of America Bank Corporation* Kalamazoo*
Michigan — to merge with Security Bancorp* Inc.*
Southgate, Michigan* and acquire its subsidiary
banks* SecureData Corp.* and United Bankers Life
Insurance Company* Kalamazoo* Michigan* and engage
in data processing services and credit related
insurance.
Approved* March 11* 1992.
Morrill Bancshares* Inc.* Sabetha* Kansas* and
Morrill & Janes Bancshares* Inc.* Hiawatha* Kansas
— to acquire Robinson Bancshares* Inc.* Robinson*
Kansas* and Bank of Robinson.
Approved* March 11* 1992.
ENFORCEMENT
Banca Nazionale del Lavoro, Rome Italy — order of
prohibition against Robert Post* a former official
of the Atlanta* Georgia Agency of Banca Nazionale.
Announced* March 9* 1992.
Prosperity Bank & Trust Company* Springfield*
Virginia — execution of a written agreement dated
March 3* 1992* with the Federal Reserve Bank of
Richmond and the Bureau of Financial Institutions
of the Commonwealth of Virginia.
Announced* March 13* 1992.

ACTIONS TAKEN BY THE STAFF AND THE
UNDER DELEGATED AUTHORITY

FEDERAL

RESERVE BANKS

ABBREVIATIONS: BS&R - Banking Supervision and Regulation* C&CA - Consumer and
Community Affairs* FOMC - Federal Open Market Committee* FRBO - Federal Reserve
Bank Operations; IF * International Finance* OSDM - Office of Staff Director
for Management




H.2
MARCH 9,
PAGE 2

1992

TO

MARCH 13,

1992

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

BANK BRANCHES, DOMESTIC
Atlanta

Commercial Bank of Florida, Miami, Florida — to
establish a branch at 13001 South Dixie Highway,
Miami, Florida.
Approved, March 13, 1992.

Atlanta

Plaza Bank of Miami, Miami, Florida — to establish a
branch at 3001 Ponce de Leon Boulevard, Coral
Gables, Florida.
Approved, March 13, 1992.

New York

United Jersey Bank, Hackensack, New Jersey — to
establish an offsite electronic facility at 500
International Trade Partners, International Trade
Center, 500 International Drive, Mount Olive, New
Jersey.
Approved, March 13, 1992.

Chicago

Villa Park Twist & Savings Bank. Villa Park, Illinois
— to establish a branch at 30 South Main Street,
Lombard, Illinois.
Approved, March 10, 1992.

BANK HOLDING COMPANIES




Atlanta

AmSouth Bancorporation, Birmingham, Alabama — to
acquire certain assets and assume certain
liabilities of 12 branches of Jefferson Federal
Savings and Loan Association.
Approved, March 13, 1992.

Secretary

Arvest Bank Group, Inc., Bentonville, Arkansas, and
First Commercial Corporation, Little Rock, Arkansas
— to acquire shares of TRH Bank Group, Inc.,
Norman, Oklahoma.
Approved, March 10, 1992.

Dallas

Bandera Bancshares, Inc., Bandera, Texas
in bank control.
Returned, March 13, 1992.

Kansas City

Bank of New Mexico Holding Company, Albuquerque, New
Mexico — to acquire certain assets and assume
certain liabilities of the Albuquerque branches of
Security Federal Savings and Loan Association, F.A.
Approved, March 13, 1992.

—

change

H .2
MARCH 9,
PAGE 3

1992

TO

MARCH 13,

1992

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

BANK HOLDING COMPANIES




Chicago

B J Morgan Bancshares, Inc., Morgantown, Indiana —
to acquire First State Bank.
Returned, March 10, 1992.

New York

Chemical Banking Corporation, New York, New York, and
Chemical Bank — to assume the insured deposit
liabilities of Central Federal Savings Bank,
Mineola, New York, and to establish branches .
Approved, March 13, 1992.

S t . Louis

Citizens Bancshares Corporation, Jonesboro,
Arkansas — to acquire certain assets and assume
certain liabilities of the two Jonesboro, Arkansas
locations (Washington Avenue and Highland branch)
of United Federal Savings and Loan Association.
Approved, March 13, 1992.

Atlanta

Commercial Bankshares, Inc., Miami, Florida — to
acquire certain assets and assume certain
liabilities of the South Dixie, Bird Road, and
Sunset West branches of Professional Federal
Savings Bank, Coral Gables, Florida.
Approved, March 13, 1992.

New York

Credit Populaire d TAlgerie, Algeria — to acquire
UBAF Arab American Bank, New York, New York.
Returned, March 12, 1992.

Kansas City

Dawson Corporation, Lexington, Nebraska —
Guaranty Corporation, Denver, Colorado.
Approved, March 13, 1992.

Minneapolis

Eau Claire Financial Services, Inc., St. Paul,
Minnesota — proposal that the Cornell branch of
Monycor Federal Savings Bank, Barron, Wisconsin,
merge into the London Square Bank, Eau Claire,
Wisconsin.
Approved, March 13, 1992.

San Francisco

Fai Heng Chan, White Rock, British Columbia, Canada - to acquire shares of American Pacific Bank,
Aumsville, Oregon.
Returned, March 9, 1992.

to acquire

H .2
MARCH 9,
PAGE A

1992

TO

MARCH 13,

1992

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

BANK HOLDING COMPANIES




Atlanta

First Alabama Bancshares, Inc., Montgomery, Alabama
- to acquire certain assets and assume certain
liabilities of seven branches of Jefferson Federal
Savings and Loan Association, Birmingham, Alabama.
Approved, March 13, 1992.

Richmond

First Union Corporation, Charlotte, North Carolina proposal that First Union National Bank of Florida
Jacksonville, Florida, acquire certain assets and
assume certain liabilities of Professional Federal
Savings Bank, Coral Gables, Florida.
Approved, March 13, 1992.

Kansas City

FirsTier Financial, Inc., Omaha, Nebraska — to
acquire assets and assume certain liabilities of
the downtown, Omaha, branch of FirsTier Savings
Bank, FSB.
Approved, March 12, 1992.

Richmond

F & M National Corporation, Winchester, Virginia —
to acquire Farmers & Merchants Bank of Keyser,
Keyser, West Virginia.
Approved, March 13, 1992.

Atlanta

Heritage Financial Services, Inc., Clarksville,
Tennessee — to acquire Heritage Bank.
Approved, March 13, 1992.

Chicago

Hinsbrook Bancshares, Inc., Willowbrook, Illinois —
to acquire Hinsbrook Bank and Trust.
Approved, March 12, 1992.

Atlanta

Interstate Bank Holding Company, Coral Gables,
Florida — to acquire certain assets and assume
certain liabilities of the Milan Diary branch of
Professional Federal Savings Bank.
Approved, March 13, 1992.

Chicago

KSAD, Inc., Council Bluffs, Iowa — to acquire
Williamsburg Holding Company, Williamsburg, Iowa,
Security Savings Bank; Nevada National Co., Omaha,
Nebraska; Nevada National Bank, Nevada, Iowa; and
Valley State Bank, Rock Valley, Iowa.
Returned, March 11, 1992.

H .2
MARCH 9 , 1992
PAGE 5

TO

MARCH 13, 1992

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

BANK HOLDING COMPANIES




Chicago

Marquette National Corporation, Chicago, Illinois —
to engage in community development activities
through Marquette Community Development
Corporation.
Returned, March 9, 1992.

Chicago

MBT Bancorp, Inc., West Harrison, Indiana — to
acquire Patriot Federal Savings Bank, Saint
Bernard, Ohio.
Approved, March 13, 1992.

Dallas

Minden Bancshares, Inc., Minden, Louisiana —
acquire Webster Bancshares, Inc.
Approved, March 13, 1992.

S t . Louis

MSB Shares, Inc., Monette, Arkansas — to acquire
certain assets and assume certain liabilities of
the Monette, Arkansas, branch of United Federal
Savings and Loan Association, Jonesboro, Arkansas.
Approved, March 13, 1992.

Cleveland

Ohio Bancorp, Youngstown, Ohio — to acquire up to 10
percent of Cortland Bancorp, Cortland, Ohio.
Approved, March 13, 1992.

Minneapolis

Osceola Bancorporation, Inc., Osceola, Wisconsin —
proposal that the Osceola branch of Monycor Federal
Savings Bank, Barron, Wisconsin, merge into the
Bank of Osceola, Osceola, Wisconsin.
Approved, March 13, 1992.

Minneapolis

Otto Bremer Foundation, St. Paul, Minnesota, and the
Bremer Financial Corporation — proposal that the
Frederic branch of Monycor Federal Savings Bank,
Barron, Wisconsin, merge into First American Bank
Wisconsin, Amery, Wisconsin.
Approved, March 13, 1992.

to

H .2
MARCH 9,
PAGE 6

1992

TO

MARCH 13, 1992

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

BANK HOLDING COMPANIES




Atlanta

Peoples Bancshares, Inc., Elba, Alabama — to acquire
certain assets and assume certain liabilities of
four branches of Jefferson Federal Savings and Loan
Association, Birmingham, Alabama.
Approved, March 13, 1992.

Chicago

Pyramid Bancorp, Inc., Grafton, Wisconsin —
acquire Grafton State Bank.
Returned, March 12, 1992.

Atlanta

Shamrock Holdings, Inc., Evergreen, Alabama — to
acquire certain assets and assume certain
liabilities of three branches of Jefferson Federal
Savings and Loan Association, Birmingham, Alabama.
Approved, March 13, 1992.

S t . Louis

Southwest Bancshares, Inc., Trumann, Arkansas — to
acquire through First State Bank of Arkansas
certain assets and assume certain liabilities of
the Trumann, Arkansas, branch of United Federal
Savings and Loan Association, Jonesboro, Arkansas.
Approved, March 13, 1992.

Secretary

TRH Bank Group, Inc., Norman, Oklahoma — to acquire
Security National Bank and Trust Company.
Approved, March 10, 1992.

Richmond

Triangle Bancorp, Inc., Raleigh, North Carolina —
acquire Triangle Bank and Trust Company.
Approved, March 11, 1992.

Chicago

Waupaca Bancorporation, Waupaca, Wisconsin — to
acquire certain assets and assume certain
liabilities of the Chetek, Wisconsin, branch of
Monycor Federal Savings Bank, Barron, Wisconsin.
Approved, March 13, 1992.

to

to

H .2
MARCH 9,
PAGE 7

1992

TO

MARCH 13,

1992

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

BANK MERGERS
Atlanta

Commercial Bank of Florida, Miami, Florida — to
merge with the South Dixie, Bird Road, and Sunset
West branches of Professional Federal Savings Bank,
Coral Gables, Florida.
Approved, March 13, 1992.

S t . Louis

First State Bank of Arkansas, Trumann, Arkansas —
acquire certain assets and assume certain
liabilities of the Trumann, Arkansas, branch of
United Federal Savings and Loan Association,
Jonesboro, Arkansas.
Approved, March 13, 1992.

Dallas

Minden Bank & Trust Company, Minden, Louisiana — to
merge with Webster Bank & Trust Company, and to
establish a branch at 200 Homer Road, and 1316
Homer Road.
Approved, March 13, 1992.

Atlanta

Plaza Bank of Miami, Miami, Florida — to acquire
certain assets and assume certain liabilities of
the Sunshine and Coral Gables branches of
Professional Federal Savings Bank, Coral Gables,
Florida.
Approved, March 13, 1992.

Kansas City

Tri - State Bank, Denver, Colorado — to merge with
Boulder Tri - State Bank, Boulder, Colorado, and to
establish a branch.
Approved, March 10, 1992.

BANK PREMISES




New York

Central Federal Savings Bank, Mineola, New York —
investment in bank premises.
Approved, March 13, 1992.

Dallas

Minden Bank & Trust Company, Minden, Louisiana —
investment in bank premises.
Approved, March 13, 1992.

Chicago

Old Kent Bank - Southwest, Kalamazoo, Michigan —
investment in bank premises.
Approved, March 12, 1992.

to

H.2

MARCH 9,
PAGE 8

1992

TO

MARCH 13,

1992

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

BANK PREMISES
Chicago

Villa Park Trust & Savings Bank, Villa Park, Illinois
— investment in bank premises.
Approved, March 10, 1992.

BANKS, STATE MEMBER
Philadelphia

Premier Bank, Doylestown, Pennsylvania — to relocate
the head office to 379 North Main Street from 42
Shewell Avenue.
Approved, March 10, 1992.

CAPITAL STOCK
Dallas

Delhi Bancshares, Inc., Delhi, Louisiana —
redemption of shares.
Approved, March 12, 1992.

Kansas City

Leedy Bancorporation, Inc., Leedy, Oklahoma —
redemption of shares.
Approved, March 13, 1992.

San Francisco

West One Bank, Utah, Salt Lake City, Utah —
redemption of shares.
Approved, March 9, 1992.

CHANGE IN BANK CONTROL




Kansas City

Centennial National Bank, Englewood, Colorado —
change in bank control.
Permitted, March 13, 1992.

Kansas City

First Bancshares, Inc., Bartlesville, Oklahoma —
change in bank control.
Permitted, March 12, 1992.

Dallas

Giddings Bancshares, Inc., Giddings, Texas —
in bank control.
Returned, March 13, 1992.

Kansas City

Leedy Bancorporation, Inc., Leedy, Oklahoma —
in bank control.
Permitted, March 13, 1992.

change

change

I .2
MARCH 9, 1992
PAGE

TO

MARCH 13,

1992

9

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

COMPETITIVE FACTORS REPORTS




Kansas City

Central Bank - Herington, Herington, Kansas, proposed
merger with Herington Bancshares, Inc. — report on
competitive factors.
Submitted, March 11, 1992.

Atlanta

Dominion Bank of Middle Tennessee, Nashville,
Tennessee, proposed merger with Merchants and
Planters Bank, Newport, Tennessee, and Citizens
Union Bank, Rogersville, Tennessee — report on
competitive factors.
Submitted, March 11, 1992.

Philadelphia

Elmwood Federal Savings Bank, Media, Pennsylvania,
proposed merger with Elmwood Federal Interim
Savings Association — report on competitive
factors.
Submitted, March 9, 1992.

Kansas City

Farmers Bank of Unionville, Unionville, Missouri,
proposed acquisition of the assets and assumption
of the liabilities of the Trenton office of
American Bank of North Central Missouri, Trenton,
Missouri — report on competitive factors.
Submitted, March 11, 1992.

Minneapolis

First American Bank of Lisbon, Lisbon, North Dakota,
proposed merger with First American Bank of
Cassleton, Cassleton, North Dakota — report on
competitive factors.
Submitted, March 12, 1992.

Kansas City

Hillcrest Bank, Kansas City, Missouri, proposed
acquisition of certain assets and assumption of
certain deposits of the Union Bank — report on
compet it ive factors.
Submitted, March 10, 1992.

New York

Independence Savings Bank, New York, New York,
proposed purchase of the assets and assumption of
the deposit liabilities of the 1325 Castle Hill
Avenue, Bronx, New York, branch of North Side
Savings Bank — report on competitive factors.
Submitted, March 12, 1992.

H .2
MARCH 9,
PAGE 10

1992

TO

MARCH 13, 1992

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

COMPETITIVE FACTORS REPORTS
Richmond

NationsBank of Maryland* N.A.* Baltimore* Maryland*
proposed merger with NCNB National Bank of Maryland
— report on competitive factors.
Submitted* March 13* 1992.

Minneapolis

Security Bank & Trust Company* Glencoe* Minnesota*
proposed merger with The First State Bank of
Brownton* Brownton* Minnesota — report on
competitive factors.
Submitted* March 9* 1992.

Cleveland

Star Bank* N.A.* Kentucky* Covington* Kentucky,
proposed merger with Kentucky Bank of Marion
County* Lebanon; Kentucky National Bank of Carroll
County* Carrollton* and Kentucky National Bank of
Pendleton County* Falmouth* Kentucky — report on
competitive factors.
Submitted* March 13* 1992.

Atlanta

Sun First National Bank of Polk County* Winter Haven*
Florida* proposed merger with Sun Bank / South
Central Florida* N.A.* Sebring* Florida — report
on competitive factors.
Submitted* March 10* 1992.

EXTENSIONS OF TIME




S t . Louis

BoatmenTs Bancshares* Inc.* St. Louis* Missouri —
extension to March 31* 1992* to acquire Superior
Federal Bank* Federal Savings Bank* Fort Smith*
Arkansas.
Granted* March 13* 1992.

Atlanta

Brannen Banks of Florida* Inc.* Inverness* Florida —
extension to June 17* 1992* to redeem shares.
Granted, March 9* 1992.

New York

United Jersey Bank* Hackensack* New Jersey —
extension to February 20* 1993* to establish a
branch at 1045 Clifton Avenue, Clifton, New Jersey.
Granted* March 13* 1992.

H.2

MARCH 9,
PAGE 11

1992

TO

MARCH 13,

1992

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

EXTENSIONS OF TIME
San Francisco

Wells Fargo & Company, San Francisco, California —
extensions to divest certain properties.
Granted, March 11, 1992.

Atlanta

1st United Bank, Boca Raton, Florida — extension to
June 17, 1992, to merge with Mizner Bank, Boca
Raton, Florida.
Granted, March 13, 1992.

INTERNATIONAL OPERATIONS
Director, BS&R

Chase Bank International, Miami, Florida — amendment
to Article Fourth of the Articles of Association to
reflect a relocation of its home office to Miami,
Florida, and that the Edge corporation may
establish branches in other locations.
Approved, March 12, 1992.

Kansas City

Centennial National Bank, Englewood, Colorado — to
remain a member of the Federal Reserve System after
conversion from a national to a state chartered
institution.
Approved, March 13, 1992.

MEMBERSHIP

RESERVE BANK SERVICES




Director, FRBO

Federal Reserve Bank of Cleveland and the Cincinnati
Branch — to participate as keeper banks in the
National Association for Check Safekeeping (NACS)
TRX truncation program.
Approved, March 9, 1992.

Director, FRBO

Federal Reserve Bank of Kansas City and all
branches — to participate as keeper banks in the
National Association for Check Safekeeping (NACS)
TRX truncation program.
Approved, March 9, 1992.

H .2
MARCH 9,
PAGE 12

1992

TO

MARCH 13, 1992

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

RESERVE BANK SERVICES




Director, FRBO

Federal Reserve Bank of Minneapolis and the Helena
Branch — to participate as keeper banks in the
National Association for Check Safekeeping (NACS)
TRX truncation program.
Approved, March 9, 1992.

Director, FRBO

Federal Reserve Bank of Richmond, and the Baltimore,
and Charlotte Branches — to participate as
keeper banks in the National Association for Check
Safekeeping (NACS) TRX truncation program.
Approved, March 9, 1992.

Director, FRBO

Federal Reserve Banks — all districts to participate
as facilities in the National Association for Check
Safekeeping (NACS) program.
Approved, March 9, 1992.

H.2
MARCH 9, 1992
PAGE 13

ADDITIONS AND CORRECTIONS
TO

MARCH 13, 1992

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BOARD OPERATIONS
Office of Board Members — appointment of Winthrop
Hambley and Lynn Fox as Special Assistants for
Congressional Liaison.
Approved, March 2, 1992.
INTERNATIONAL OPERATIONS
Security Pacific Corporation, Los Angeles, California
— to invest in HGS Newco, London, England.
Permitted, March 5, 1992.

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

BANK HOLDING COMPANIES
Director, BS&R

Bankers Trust Corporation, New York, New York — to
underwrite and deal in equity securities under the
expanded limits of Regulation K.
Approved, February 11, 1992.

Director, BS&R

J.P. Morgan and Co., Incorporated, New York, New
York — to underwrite equity securities under the
expanded limits of Regulation K.
Approved, February 12, 1992.

San Francisco

Landmark Bancorp, La Habra, California — to engage
de novo in lending activities through a nonbanking
subsidiary.
Returned, March 4, 1992.

CAPITAL STOCK




Chicago

Valley Bancshares, Inc., Mapleton, Iowa —
of shares.
Approved, March 6, 1992.

redemption

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY
Application

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

Application

Comment Period Ending Date
The Evening Sentinel
Ansonia. Connecticut

03-23-92

Bridgeport Post
Bridgeport. Connecticut

03-23-92

Federal Register

Michael Daddona, Jr.
- Change in Control
Notification to acquire
up to 24.9% of DS Bancor,
Derby, Connecticut

03-27-92

SECTION III - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY
Application

Comment Period Ending Date

Fleet/Norstar Financial
Group, Inc., Providence,
Rhode Island - 4 ( c ) (8)
notification to
facilitate the transfer
of Banc New England
Mortgage Company, Inc.,
East Providence, Rhode
Island to Fleet Real
Estate Funding, Columbia,
South Carolina

Federal Register

Fleet/Norstar Financial
Group, Inc., Providence,
Rhode Island - 4 ( c ) (8)
notification to acquire
up to 11.239% of The New
York Switch Corporation,
Hackensack, New Jersey

Federal Register

Not Yet Established

Not Yet Established

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




NONE

SECTION V

- AVAILABILITY OF CRA PUBLIC EVALUATIONS

**Rating Definitions:
"0" - Outstanding;
Improve; "SN" - Substantial Noncompliance.
Institution




"S"

Examination Date
NONE

- Satisfactory;

"N"

- Needs to

Rating**




Federal Reserve Bank of New York
Comment Period
Ending Date

SECTION I
Applications Subject to Newspaper
___________ Notice Only___________
Manufacturers and traders Trust Company,
Buffalo, New York, to establish branches at
6750 Main Street and 4925 Main Street, Amherst,
New York.l/

4/6/92

Manufacturers Hanover Trust Company, New York,
New York, to establish an offsite electronic
facility at 14-16 Wall Street, New York,
New York.l/

4/10/92

SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
None.

SECTION III
Nonbanking Applications
(Subject to Federal Register Notice Only
None.

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 March 14. 1992
NAME OF BANK

RATING

EXAMINATION DATE

None.

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




FEDERAL RESERVE BANK OF PHILADELPHIA

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

None*

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

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

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

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




FEDERAL RESERVE BANK OF PHILADELPHIA
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
The following institutions were examined for CRA. The 30-business day period the bank
has to make the evaluation public has lapsed during the week ending March 13, 1992.
Identification of Ratings
In connection with the assessment of each insured depository
performance, a rating is assigned from the following groups:

institution's

CRA

Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record of ascertaining
and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of ascertaining
and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.
Bank/Location
Woodlands Bank
2450 E. Third St.
Williamsport, PA 17701
(717) 327-5263




Examination Date
11/18/91

CRA Rating
Satisfactory

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

Applications Bulletin
For Week Ending March 14, 1992

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
Received application from The Provident Bank,
Cincinnati, Ohio, on March 11, 1992, to
establish a CBCT branch at Beechmont Mall,
7500 Beechmont Avenue, Cincinnati, Ohio.

* April 6, 1992

Received application from The First National
Bank of Zanesville, Zanesville, Ohio, to acquire
the Dresden, Ohio, branch of Home Savings Bank
of America, F.S.B., Irwindale, California.

* April 4, 1992

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

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY

NONE
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE

NONE *

*
N
F
#

-

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




Federal Reserve Bank of Richmond

Section I - Applications Subject to Newspaper
Notice Only

Application

Comment Period Ending Date

Credit International Bank, N.A.,
Washington, D. C . , a subsidiary
of Credit International Bancshares,
Ltd., Washington, D. C . , to acquire
a branch of Second National Federal
Savings Bank, Washington, Salisbury,
Maryland, in an Oakar transaction.*

4-5-92

Branch Banking and Trust Company, Wilson,
North Carolina, to merge with Peoples
Federal Savings Bank of Thomasville,
Thomasville, North Carolina, in an Oakar
transaction.*

4-13-92

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Application
Columbia Bancorp, Columbia, Maryland,
to acquire Fairview Federal Savings
and Loan Association, Ellicott City,
Maryland, and to merge the successor
to Fairview Federal Savings and Loan
Association into Columbia Bank,
Columbia, Maryland.*

Comment Period Ending Date

3-30-92*
**

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

None.

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




Federal Reserve Bank of Richmond--contd.

Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
The Bank of Marion, Marion, Virginia,
for membership in the Federal Reserve
System.




Comment Period Ending Date

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations
Week ending March 13, 1992

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

Examination
Date

None.




Rating

F e d e r a l R e s e r v e B a n k of A t l a n t a
A p p l i c a t i o n s B u l l e t i n fo r W e e k E n d i n g M a r c h 13.

1992

Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Central Bank of the South
Birmingham, Alabama
To establish a branch office to be
known as the Pelham Branch, located at
3080 Pelham Plaza, Hwy. 31 S., Pelham,
Alabama.

03-11-92*

Central Bank
Miami, Florida
To establish a branch office to be known
as the Palm Springs Mile Office, located
at 1291 West 49th Street, Hialeah, Florida.

04-15-92*

NationsBank of Tennessee
Nashville, Tennessee
To establish a branch office located at
the Regional Medical Center at Memphis,
877 Jefferson Avenue, Memphis, Tennessee.

03-11-92*

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

Application

Comment Period Ending Date

Florida Security Holding Corporation
Orlando, Florida
Change in control by James L. Hewitt to
acquire 22.4 percent of the outstanding
shares of common stock.

Not yet available*

Farmers State Bancshares, Inc.
Mountain City, Tennessee
l-BHC formation, Farmers State Bank,
Mountain City, Tennessee.

Not yet available*

First Central Bancshares, Inc.
Lenoir City, Tennessee
l-BHC formation, First Central Bank,
Lenoir City, Tennessee.

03-31-92*
Federal Register

♦Subject to Provisions of Community Reinvestment.




F e d e r a l R e s e r v e B a n k of A t l a n t a
A p p l i c a t i o n s B u l l e t i n f o r W e e k E n d i n g M a r c h 13.

1992

Section 3 - Applications Subject to Federal
Register Notice Only
Application

Comment Period Ending Date

None.

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Carney Bank
Boynton Beach, Florida
Request for increase in bank premises.
First Bank & Trust Company
Tampa, Florida
Request for increase in bank premises.
First Commercial Financial Corporation
Bradenton, Florida
Commitment waiver request.




F e d e r a l R e s e r v e B a n k of A t l a n t a
A p p l i c a t i o n s B u l l e t i n for W e e k E n d i n g M a r c h 13.

1992

Section 10 - Availability of CRA Public Evaluations

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

Examination
Bank
None.




Rating

Date

Federal Reserve Bank of Chicago

Section I - Applications Subject to Newspaper
Notice Only
Comment Period
E n d i n g T V rt-« a
Application
Branch/24A

INB Banking Canpany
Fort Wayne, Indiana
Relocate from 200 E. Berry Street to
825 S. Calhoun, Port Wayne, Indiana*

N

Branch/24A

Peoples State Bank of Mansfield
Mansfield, Illinois
502-504 E. Oak Street
Mahcmet, Illinois*

- **

N

Section II - Applications Subject to Both Newspaper and Federal
Register Notice
Gcmnent Period
Ending nate
Application
Y-l

DunC Carp.
Belvidere, Illinois
Capron Bancorp, Inc.
Capcon, Illinois
Capron State Bank
Capron, Illinois*

Y-2

Midlothian State Bank Employee Stock
Ownership Trust
Midlothian, Illinois
Midlothian State Bank
Midlothian, Illinois*

FR
N

- 3-30-92
- 3-15-92

Y-2

NBD Bancorp, Inc.
Detroit, Michigan
Surancorp
Fort Wayne, Indiana
Summit Bank
Fort Wayne, Indiana
Sunmit Bank of Clinton County
Frankfort, Indiana
Sunmit Bank of Indianapolis
Indianapolis, Indiana
Summit Bank of Marion
Marian, Indiana
Summit Bank of Muncie
Mancie, Indiana
Summit Bank of South Bend
South Bend, Indiana
Decatur Financial, Inc.
Decatur, Indiana
Decatur Bank and Trust Company
Decatur, Indiana*

HI
N

- 3-24-92
- 3-19-92




FR - 2-26-92
N - 2-16-92

Federal Reserve Bank of Chicago

T

Section II - Applications Subject to Both Newspaper and Federal
Register Notice
(Continued!
Ooranent Period
Rnriing P a te
Application

Y-2

NBD Indiana, Inc.
Detroit, Michigan
Sunmcorp
Fort Wayne, Indiana
Sumnit Bank
Fend: Wayne, Indiana
Summit Bank of Clinton County
Frankfort, Indiana
Sumnit Bank of Indianapolis
Indianapolis, Indiana
Summit Bank of Marion
Marion, Indiana
Summit Bank of Muncie
Mancie, Indiana
Summit Bank of South Bend
South Bend, Indiana
Decatur Financial, Inc.
Decatur, Indiana
pn
Decatur Bank and Trust Com a y
Decatur, Indiana*

FR - 3-24-92
N - 3-19-92

Y-2

KSAD, Inc.
Council Bluffs, Iowa
Nevada National Co.
Omaha, Nebraska
Nevada National Bank
Nevada, Iowa*

ER - 3-30-92
N - **

Y-2

KSAD, Inc.
Council Bluffs, Iowa
Rainwood Corporation
Ctaaha, Nebraska
Valley State Bank
Rock Valley, Iowa*

ER - 3-30-92
N - **

Y-2

KSAD, Inc.
Council Bluffs, Icwa
W illiamsburg Holding Company
Omaha, Nebraska
Security Savings Bank
Williamsburg, Icwa*

FR - 3-30-92
N - **

Y-2

Peotone Bancorp, Inc.
Peotone, Illinois
Rock River Bancorporation, Inc.
Oregon, Illinois
Rock River Bank
Oregon, Illinois*

FR - **
N - 4-5-92




Federal Reserve Bank of Chicago

Section II - Applications Subject to Both Newspaper and Federal
Register Notice
{Continued!
Ccranent Period
Type
Application
Ending Date
Y-l

First of America Bancshares, Inc.
Petersburg, Illinois
First Petersburg Bancshares, Inc.
Petersburg, Illinois
The First National Bank of Petersburg
Petersburg, Illinois*

FR - **
N - **

Y-2

First of America Bank Corporation
Kalamazoo, Michigan
First Petersburg Bancshares, Inc.
Petersburg, Illinois
The First National Bank of Petersburg
Petersburg, Illinois*

FR - **
N - **

Tanco, Ltd.
Guttehburg, Iowa
Mary Jo Tangeman

FR - **
N - **

Valley Ridge Financial Corporation
Kent City, Michigan
David W. Vanderhyde Sr. and
Carol Lynn Vanderhyde

FR - **
N - **

CoC-HC
CoC-HC

Section III - Applications Subject
Notice Only

Fpfteral Register
Ccranent Period
Ending nate

Type

Application

4(c)(8)

The First National Gcnpany
Storm Lake, Iowa
To make and service loans pursuant to
Section 225.25(b) of Regulation Y

FR - 3-30-92

Y-4

NBD Bancorp, Inc.
Detroit, Michigan
Summcorp Financial Services, Inc.
Fort Wayne, Indiana

FR - 3-24-92

Y-4

NBD Indiana, Inc.
Detroit, Michigan
Summcorp Financial Services, Inc.
Fort Wayne, Indiana

FR - 3-24-92




Federal Reserve Bank of Chicago

Section III - Applications Subject to Federal Register
Notice Only

(O m tinnari)

Type

A p p lic a tio n

G arm ent P e rio d
E nding n a te

Y-4

Comerica Incorporated
Detroit, Michigan
100 Talon Centre Associated Limited
Partnership
Detroit, Michigan

FR - **

Y-4

Manufacturers National Corporation
Detroit, Michigan
100 Talon Centre Associated Limited
Partnership
Detroit, Michigan

ER - **

Y-4

The Shorebank Corporation
Chicago, Illinois
North Coast Bidco, Inc.
Marquette, Michigan

FR - **

4(c)(8)

Ruth Bank Corporation
Ruth, Michigan
Purchase loans from its subsidiary
bank, Ruth State Bank
Ruth, Michigan

FR - **

Y-4

The Shorebank Corporation
Chicago, Illinois
Northern Economic Initiatives Corporation
Marquette, Michigan

FR - **

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

Type

Application

None

N
FR
*
**




-

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

A V A IL A B IL IT Y 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 March 13, 1992.
If you are interested in obtaining a copy of the evaluation document, please
contact the bank(s) directly.
Identification of Ratings
O-An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
S-An institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
NI-An institution in this group needs to improve its overall record of ascer­
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
SN-An institution in this group has a substantially deficient record of ascer­
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
BANK NAME/LOCATION

EXAMINATION DATE

RATING

-The First State Bank of Decatur
172 North 2nd Street
Decatur, Indiana
46733
(219) 724-3151

11/12/91

S

-Farmers State Bank of Waupaca
112 West Fulton Street
Waupaca, Wisconsin
54981
(715) 258-5542

11/18/91

S

-The Home Trust & Savings Bank
628 Main Street, P.0. Box 150
Osage, Iowa
50461-0150
(515) 732-3763

11/18/91

NI




Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING MARCH 13, 1992

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application

End of Comment Period

Section 18(c) application by Citizens Fidelity Bank
and Trust Company, Louisville, Kentucky, to merge
with Citizens Fidelity Bank and Trust Company Hardin
County, Elizabethtown, Kentucky
Not yet available

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

End of Comment Period

Section 3(a)(1) application by Concord EFS, Inc.,
Memphis, Tennessee to acquire EFS National Bank,
Memphis, Tennessee, a de novo bank

Not yet available

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application

End of Comment Period

Section 4(c)(8) application by Concord EFS, Inc.,
Memphis, Tennessee, through Concord Computing
Corporation, Elk Grove, Illinois, to provide check
authorization and collection services

Not yet available

Section 4(c)(8) application by Concord EFS, Inc.,
Memphis, Tennessee, through Network EFT, Inc.,
Elk Grove, Illinois, to provide electronic funds
transfer services

Not yet available

Section 4(c)(8) application by Concord EFS, Inc.,
Memphis , Tennessee, through VMT, Inc. Memphis,
,
Tennessee, to provide data transmission hardware in
connection with its customers' transaction
processing networks
Not yet available

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

This application is subject to CRA.




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

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

FOR THE WEEK ENDING

Name of Bank

First State Bank
of Arkansas




March 13, 1992

Bank Address

P. 0. Box 431
Trumann, Arkansas

Examination
Date
12-6-91
72472

Examination
Rating
Satisfactory

FEDERAL RESERVE BAN K OF M I N N E A P O L I S

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

Application
None.

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

Comment Period
Endincr Date

First Bancshares Corporation
Gladstone, MI
To acquire 100% of the First Bank,
Upper Michigan, N.A.,
Gladstone, MI*

3-30-92
(Federal Register)

First Integrity Bancorporation, Inc.
Staples, MN
To acquire, via merger, 100% of
Frazee Bancorporation, Inc., Frazee,
MN, a obhc owning Peoples State
Bank, Frazee, MN*

4-6-92
(Federal Register)

NoDak Bancorporation
Mandan, ND
To acquire 91% of First Southwest
Bank-Bismarck, Bismarck, ND*

4-6-92
(Newspaper)

Calvin W. Clark
To increase his ownership interest
from 17.2% to 35.0% of the voting
shares of Pine City Bancorporation,
Pine City, Mn.

Not yet available

Harlan H. Smith
To increase his ownership interest
from 24.63% to 26.08% of the voting
shares of Farmers State Holding
Company, Marion, SD.

Not yet available

* Subject to CRA




F E D E R A L R E S E R V E B A N K OF M I N N E A P O L I S

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

Application
Norwest Corporation
Mpls, MN
To engage in combining data processing,
data transmission services, facilities
and data bases to local boards of realty
and their members through the acquisi­
tion of U.S. Recognition, Inc., Ringwood,
New Jersey

Not yet available

Big Sioux Financial, Inc.
Estelline, SD
To engage in general insurance agency
activities through the acquisition of
the assets of Hamlin County Agency,
Hayti, South Dakota.

Not yet available

Community First Bankshares, Inc.
Fargo, ND
To engage in general insurance agency
activities through the acquisition of
Community Insurance, Inc., Fargo, ND.

Not yet available

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 March 13, 1992
ASSIGNMENT OF RATING
Identification of Ratings
In connection with the assessment of each insured depository
institution's CRA performance, a rating is assigned from the
following groups:
OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has an outstanding record of,
and is a leader in, ascertaining and helping to meet the
credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a satisfactory record of
ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its
resources and capabilities.
NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group needs to improve its overall
record of ascertaining and helping to meet the credit needs
of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.
SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs
of its entire delineated community, including low-and
moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.

BANK (S ) EXAMINED
None.




DATE OF EXAMINATION

CRA RATING

Federal Reserve Bank of Kansas City

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

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

COMMENT PERIOD ENDING DATE

Mr. Robert L. Hier, Castle Rock,
Colorado, for prior approval to
increase his ownership in the Banking
Group, Ltd., Castle Rock, Colorado,
by 1.08 percent to 25.49 percent.

Not Available

Midland Financial Co., Oklahoma City,
Oklahoma, for prior approval to
become a bank holding company through
the acquisition of 100 percent of the
voting shares of Midland Capital Co.,
Oklahoma City, Oklahoma.*

Not Available

J & L Holdings Limited Parntership,
San Marcos, Texas, for prior approval
to become a bank holding company
through the acquisition of 52 percent
of the voting shares of Plainview
Holding Co., Pilger, Nebraska.*

Not Available

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
ONLY
APPLICATION
MidFirst Bank, State Savings Bank,
Oklahoma City, Oklahoma, to acquire
100 percent of the voting shares of
Midland Capital Co., Oklahoma City,
Oklahoma.

COMMENT PERIOD ENDING DATE
Not Available

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
APPLICATION
Capital Bancshares, Inc., Brookfield,
Missouri, for prior approval to
redeem 245 shares of its own voting
common stock.




Not Available

Federal Reserve Bank of Kansas City

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

Exam Date

CRA Public
Date

Citizens Farmers Bank of
Cole Camp
P.0. Box 219
Cole Camp, MO 65325-0219

12-9-91

3-9-92




CRA
Rating
Satisfactory

Federal Reserve Batik of Kansas City

Bank of Love County
P.O. Box 10
Marietta, OK 73448-0010

12-9-91

3-10-92

Satisfactory

The Citizens Bank of Edmond
P.O. Box 30
Edmond, OK 73083-0030*

12-9-91

3-10-92

Satisfactory

*Application is subject to CRA.




FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF MARCH 9, 1992
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY

APPLICATION

NOTICE EXP

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

APPLICATION

**
* NOTICE EXP

Change in Control Notice by
Norman Dean Oswald, Duncanville, TX, to acquire an
interest in Metroplex Bancshares, Inc., Dallas, TX
♦Section 3(a)(3) application by
BancWest Bancorp, Inc., Austin, TX, to acquire
Westside Bank, San Antonio, TX

N/A

92/04/06

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
APPLICATION

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 MARCH 9, 1992

Outstanding record of meeting community credit needs.
An institution in this group has an outstanding
leader in, ascertaining and helping to meet the
entire
delineated community, including
lowneighborhoods,
in a manner consistent with
capabilities.

record of, and is a
credit needs of its
and
moderate-income
its
resources
and

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
Park Central Bank of Dallas
12222 Merit Dr. Ste. 100
P. 0. Box 515529
Dallas, Texas 75251-5529




Date of
Examination

12/11/91

CRA Rating

Satisfactory

FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 3/13/92

Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

None

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Dr. Joel N. Kovner, Pacific Palasades,
California, to acquire up to 24.9 percent
of Professional Bancorp, Inc., Santa Monica,
California.

Newspaper:

Not available

Fed. Reg.:

4/09/92

GBC Holdings, Limited, Grand Cayman, British
West Indies, to become a bank holding
company by acquiring GBC Holdings, Inc., Los
Angeles, California, and to acquire
Guaranty Bank of California, Los Angeles,
California. *

Newspaper:

3/28/92

Fed. Reg.:

4/13/92

Section III - Applications Subject to Federal Register Notice Only
BankAmerica Corporation, San Francisco,
California, to engage in nonbaking activities
through the acquisition of H.F. Holdings, Inc.,
Marina del Rey, California.

Fed. Reg.: Not yet published

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

*

Subject to CRA




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

Week ending 3/13/92
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during
the week ending March 13, 1992. Information about a particular institution’s
CRA evaluation may be obtained directly from the institution.
Institution

Location

Examination Date

Rating*

Valley Bank of Nevada

300 South Fourth Street
Las Vegas, NV 89101
Tel: (702) 654-1000

11/04/91

Outstanding

Farmers and Merchants
Bank of Rockford

North 10 Argonne Road
Opportunity, WA 99206
Tel: (509) 928-9600

12/09/91

Satisfactory

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




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