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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H.2, 1993, No. 13
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending March 27, 1993

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

TESTIMONY AND STATEMENTS
Bank credit availability to small businesses
statement by Chairman Greenspan before the House
Committee on Small Business, March 25, 1993.
Published, March 25, 1993.
Federal budget deficit — statement by Chairman
Greenspan before the Senate Committee on Finance,
March 24, 1993.
Published, March 24, 1993.

ADVISORY COUNCILS
Consumer Advisory Council.
Convened, March 25, 1993.
BANK HOLDING COMPANIES
Comerica Incorporated, Detroit, Michigan —
in career counseling services.
Proposed, March 25, 1993.

to engage

Eva Bancshares, Inc., Eva, Alabama — request for
reconsideration of the BoardTs approval of
application to acquire First Bank of Eva.
Denied, March 24, 1993.
ENFORCEMENT




Antioch Holding Company, Antioch, Illinois — orders
of assessment of a civil money penalty against
Randolph S. Miles and Cynthia Stout.
Announced, March 25, 1993.
BCCI Holdings (Luxembourg) S.A., Luxembourg, Bank of
Credit and Commerce International S.A., and Bank of
Credit and Commerce International (Overseas),
George Town, Cayman Islands — order of assessment
of civil money penalty, order of prohibition, and
cease and desist order against Sayed Jawhary.
Announced, March 25, 1993.
Guardian Bank, Los Angeles, California —
assessment of a civil money penalty.
Announced, March 26, 1993.

order of

H.
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MARCH 22, 1993
PAGE 2

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MARCH 26, 1993

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

REGULATIONS AND POLICIES
Federal Open Market Committee — minutes of the
meeting on February 2-3, 1993.
Published, March 25, 1993.

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




St. Louis

Arkansas Bank and Trust Company, Hot Springs,
Arkansas — to establish a branch at the corner of
DeSoto Boulevard and Carmona Road.
Approved, March 22, 1993.

New York

Chemical Bank, New York, New York — to establish
offsite electronic facilities at Credit Suisse,
1 Liberty Plaza, Colgate-Palmolive Company, 300
Park Avenue, 390 Park Avenue, and Bertelsman, Inc.,
1540 Broadway, all in New York, New York; Roosevelt
Field Mall, Hempstead, New York; and Shea Stadium,
Flushing, New York.
Approved, March 24, 1993.

New York

Chemical Bank, New York, New York — to establish a
branch at John Jay College, 899 Tenth Avenue.
Approved, March 25, 1993.

Chicago

Cole Taylor Bank, Chicago, Illinois —
branch at 824 East 63rd Street.
Approved, March 25, 1993.

Dallas

First Bank of Muleshoe, Muleshoe, Texas — to
establish a branch at 215 W. Bedford, Dimmitt,
Texas.
Approved, March 22, 1993.

to establish a

H.
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MARCH 22, 1993
PAGE 3

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MARCH 26, 1993

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

BANK BRANCHES, DOMESTIC
Dallas

Texas Bank, Weatherford, Texas — establishment of a
branch at 5800 N. 1-35, Denton, Texas.
Approved, March 22, 1993.

New York

United Jersey Bank, Hackensack, New Jersey — to
establish an offsite electronic facility at Barnert
Hospital, Paterson, New Jersey.
Withdrawn, March 24, 1993.

BANK HOLDING COMPANIES




Atlanta

AmSouth Bancorporation, Birmingham, Alabama — dual
service of Herbert A. Sklenar on the boards of
Temple-Inland, Diboll, Texas, and AmSouth
Bancorporation.
Permitted, March 25, 1993.

Atlanta

Central Bancshares of the South, Inc., Birmingham,
Alabama -- to acquire certain assets and assume
certain liabilities of the Fairhope, Alabama,
branch of Altus Federal Savings Bank, Mobile,
Alabama.
Approved, March 22, 1993.

Chicago

Central State Bancorp, Inc., Frankfort, Michigan —
to engage de novo in making and selling fixed rate
mortgages in the secondary mortgage market through
Central State Service Corporation, Beulah,
Michigan.
Permitted, March 24, 1993.

Kansas City

Clear Creek Bank Corp. Idaho Springs, Colorado -- to
,
acquire First State Bank.
Approved, March 25, 1993.

St. Louis

CNB Bancshares, Inc., Evansville, Illinois — to
acquire South Central Illinois Bancorp, Inc.,
Effingham, Illinois.
Approved, March 22, 1993.

H.
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MARCH 22, 1993
PAGE A

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MARCH 26, 1993

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

BANK HOLDING COMPANIES




Cleveland

CoBancorp, Inc., Elyria, Ohio — to purchase certain
assets and assume certain liabilities of the
Delaware, Ohio, branch of Home Savings of America,
FSB, Irwindale, California.
Withdrawn, March 26, 1993.

New York

Creditanstalt-Bankverein, Vienna, Austria — to
engage de novo indirectly through a joint limited
partnership, Steinberg Asset Management Company,
L.P., New York, New York, in investment advisory
activities.
Returned, March 25, 1993.

Richmond

Crestar Financial Corporation, Richmond, Virginia —
to merge with CFS Financial Corporation, Fairfax,
Virginia.
Approved, March 26, 1993.

Richmond

Crestar Financial Corporation, Richmond, Virginia —
proposal that Crestar Bank, Richmond, Virginia,
merge with Continental Federal Savings Bank,
Fairfax, Virginia.
Approved, March 26, 1993.

Kansas City

Crested Butte State Bank Holding Company, Crested
Butte, Colorado — to acquire Crested Butte State
Bank.
Approved, March 26, 1993.

Kansas City

Farmers State Bancshares of Andrew County, Inc.,
Savannah, Missouri — to acquire Farmers State Bank
of Rosendale.
Approved, March 26, 1993.

Kansas City

Farmers State Bank of Hardtner Stock Bonus Employee
Stock Ownership Plan, Hardtner, Kansas — to
acquire shares of B-K Agency, Inc.
Withdrawn, March 25, 1993.

Kansas City

First Bancorp of Kansas, Wichita, Kansas — to engage
de novo in nonbanking activity through formation of
Intrust Mortgage Corporation.
Withdrawn, March 24, 1993.

H.
2
MARCH 22, 1993
PAGE 5

TO

MARCH 26, 1993

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

BANK HOLDING COMPANIES




Atlanta

First Linden Bancshares, Inc., Linden, Alabama —
acquire First Bank of Linden.
Approved, March 26, 1993.

to

Chicago

GFH Corp. Elmhurst, Illinois —
,
Bank of Elmhurst.
Returned, March 23, 1993.

GC

Hardin County Bancorporation, Eldora, Iowa —
determination that sale of a parcel of farmland
constititutes divestiture.
Granted, March 22, 1993.

San Francisco

Inland Northwest Bancorporation, Inc., Spokane,
Washington — to acquire Inland Northwest Bank.
Approved, March 23, 1993.

Chicago

Iowa National Bankshares Corp., Waterloo, Iowa —
acquire MidAmerica Financial Corporation.
Returned, March 22, 1993.

Chicago

Midstates Bancshares, Inc., Missouri Valley, Iowa —
to acquire Peoples National Bank, Avoca, Iowa.
Approved, March 23, 1993.

San Francisco

Mountain Bank Holding Company, Enumclaw, Washington
— to acquire M t . Rainier National Bank.
Approved, March 25, 1993.

Minneapolis

Oliver Bancorporation, Inc., Center, North Dakota —
to acquire Security State Bank of New Salem, New
Salem, North Dakota.
Approved, March 26, 1993.

Kansas City

Orchard Valley Financial Corp., Englewood, Colorado
— to retain shares of MegaBank Financial
Corporation.
Approved, March 25, 1993.

New York

Prestige Financial Corp., Flemington, New Jersey —
to become a bank holding company.
Returned, March 24, 1993.

to acquire Community

to

H.
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MARCH 22, 1993
PAGE 6

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MARCH 26, 1993

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

BANK HOLDING COMPANIES
Chicago

Rake Bancorporation, Rake, Iowa —
in making and servicing loans.
Returned, March 23, 1993.

Chicago

Republic Bancorp, Incorporated, Owosso, Michigan —
to acquire Horizon Savings Bank, Beachwood, Iowa.
Returned, March 23, 1993.

Richmond

Resource Bancshares Corporation, Columbia, South
Carolina — to establish Resource Mortgage Group,
Inc., Columbia, South Carolina.
Approved, March 26, 1993.

to engage de novo

BANK MERGERS
Richmond

Crestar Bank, Richmond, Virginia — to merge with
Continental Federal Savings Bank, Fairfax,
Virginia, and to establish 19 branches.
Approved, March 26, 1993.

Cleveland

Premier Bank & Trust, Elyria, Ohio — to merge with
the Delaware, Ohio, branch of Home Savings of
America FSB, Irwindale, California.
Approved, March 26, 1993.

BANK PREMISED




St. Louis

Arkansas Bank and Trust Company, Hot Springs,
Arkansas — investment in bank premises.
Approved, March 22, 1993.

Minneapolis

Peninsula Bank, Ishpeming, Michigan —
bank premises.
Approved, March 25, 1993.

Cleveland

Premier Bank & Trust, Elyria, Ohio —
bank premises.
Approved, March 26, 1993.

investment in

investment in

H.
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MARCH 22, 1993
PAGE 7

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MARCH 26, 1993

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

BANKS, STATE MEMBER
Minneapolis

Montana Bank, Billings, Montana —
dividend.
Approved, March 25, 1993.

payment of a

CAPITAL STOCK
Minneapolis

Minnwest Incorporated, Montevideo, Minnesota —
redemption of shares.
Approved, March 26, 1993.

CHANGE IN BANK CONTROL
Kansas City

Banner County Ban Corporation, Harrisburg, Nebraska
— change in bank control.
Permitted, March 23, 1993.

San Francisco

First Utah Bancorporation, Salt Lake City, Utah —
change in bank control.
Permitted, March 22, 1993.

Chicago

Premier Financial Services, Inc., Freeport,
Illinois — change in bank control.
Returned, March 25, 1993.

COMPETITIVE FACTORS REPORTS




Atlanta

Allied Bank of Georgia, Thomson, Georgia, proposed
acquisition of the Grovetown, Georgia, branch of
Georgia Bank and Trust Company of Columbia County,
Martinez, Georgia — report on competitive factors.
Submitted, March 24, 1993.

San Francisco

American Investment Financial, Sandy, Utah, proposed
purchase of assets and assumption of liabilities of
Governor Financial, Salt Lake City, Utah — report
on competitive factors.
Submitted, March 23, 1993.

Richmond

Bank of Stanly, Albemarle, North Carolina, proposed
merger with New Bank of Stanly — report on
competitive factors.
Submitted, March 22, 1993.

H.
2
MARCH 22, 1993
PAGE 8

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MARCH 26, 1993

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

COMPETITIVE FACTORS REPORTS




Dallas

Bank of the West, Austin, Texas, proposed merger with
Kyle State Bank, Kyle, Texas — report on
competitive factors.
Submitted, March 26, 1993.

Dallas

Bank of Tyler, Tyler, Texas, proposed merger with
Hamilton National Bank, Hamilton, Texas — report
on competitive factors.
Submitted, March 23, 1993.

Chicago

Citizens Bank & Trust, Wausau, Wisconsin, proposed
merger with ABC Interim Bank — report on
competitive factors.
Submitted, March 22, 1993.

Richmond

City National Bank of Charleston, Charleston, West
Virginia, proposed merger with The Bank of Cross
Lanes, Cross Lanes, West Virginia — report on
competitive factors.
Submitted, March 23, 1993.

San Francisco

Desert Sun Bank, Yuma, Arizona, proposed merger with
Western Bancshares, Inc. — report on competitive
factors.
Submitted, March 24, 1993.

New York

Dime Savings Bank of Williamsburgh, Brooklyn, New
York, proposed purchase of certain assets and
assumption of certain liabilities of a Brooklyn
branch of Hamilton Federal Savings, F.A. — report
on competitive factors.
Submitted, March 24, 1993.

Richmond

Farmers and Mechanics National Bank, Frederick,
Maryland, proposed purchase of certain assets and
assumption of certain liabilities of a branch of
First National Bank of Maryland, Baltimore,
Maryland — report on competitive factors.
Submitted, March 25, 1993.

H.2
MARCH 22, 1993
PAGE 9

TO

MARCH 26, 1993

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

COMPETITIVE FACTORS REPORTS




New York

First Federal Savings Bank, Palisades Park, New
Jersey, proposed merger with Berkeley Federal
Savings Bank, Millburn, New Jersey — report on
competitive factors.
Submitted, March 23, 1993.

San Francisco

First Security Bank of Utah, N.A., Ogden, Utah,
proposed purchase of certain assets and assumption
of certain liabilities of two Utah branches of Bank
of America Arizona, Phoenix, Arizona — report on
competitive factors.
Submitted, March 23, 1993.

Atlanta

Georgia Bank & Trust Company of Augusta, Augusta,
Georgia, proposed merger with Georgia Bank and
Trust Company of Columbia County, Martinez, Georgia
— report on competitive factors.
Submitted, March 22, 1993.

Cleveland

Integra National Bank / South, Uniontown,
Pennsylvania, proposed purchase and assumption of
three branches of Equibank, Pittsburgh,
Pennsylvania — report on competitive factors.
Submitted, March 23, 1993.

Minneapolis

Minnesota Valley Bank, Redwood Falls, Minnesota,
proposed merger with State Bank of Redwood —
report on competitive factors.
Submitted, March 24, 1993.

San Francisco

Overland Bank, Temecula, California, proposed merger
with Cal-West National Bank, Morena Valley,
California — report on competitive factors.
Submitted, March 26, 1993.

Minneapolis

Security State Bank of New Salem, New Salem, North
Dakota, proposed merger with New Salem
Bancorporation, Inc. — report on competitive
factors.
Submitted, March 25, 1993.

H.2
MARCH 22, 1993
PAGE 10

TO

MARCH 26, 1993

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

COMPETITIVE FACTORS REPORTS
St. Louis

Union Planters National Bank, Memphis, Tennessee,
proposed purchase of certain assets and assumption
of certain liabilities of Bank of East Tennessee,
Knoxville, Tennessee — report on competitive
factors.
Submitted, March 24, 1993.

EXTENSIONS OF TIME
Philadelphia

Meridian Bancorp, Inc., Reading, Pennsylvania —
extension to July 4, 1993, to acquire Meridian
Bank, New Jersey, Cherry Hill, New Jersey.
Granted, March 25, 1993.

Atlanta

Park Bankshares, Inc., Lake Park, Florida —
extension to June 24, 1993, to acquire First
National Bank of Lake Park.
Granted, March 23, 1993.

Atlanta

Pioneer Bankcorp, Clewiston, Florida — extension to
July 14, 1993, to acquire First Bank of Clewiston.
Granted, March 24, 1993.

Chicago

Community Bank of Elmhurst, Elmhurst, Illinois —
become a member of the Federal Reserve System.
Returned, March 23, 1993.

Chicago

Community State Bank, Tipton, Iowa — to become a
member of the Federal Reserve System.
Returned, March 23, 1993.

Chicago

Farmers State Bank, Jewell, Iowa — to become a
member of the Federal Reserve System.
Returned, March 24, 1993.

MEMBERSHIP




to

H.
2
MARCH 22, 1993
PAGE 11

TO

MARCH 26, 1993

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

RESERVE BANK SERVICES




Director, FRBO

Federal Reserve Bank of Atlanta — to reduce selected
payor bank service fees and to add an electronic
transmission option to the MICR contingency
service.
Approved, March 23, 1993.

H.2

ADDITIONS AND CORRECTIONS

MARCH 22, 1993
PAGE 12

TO

MARCH 26, 1993

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

BANK BRANCHES, DOMESTIC
St. Louis

Mid-America Bank and Trust Company of Louisville,
Louisville, Kentucky — to establish a branch at
Cane Run Road and Crums Lane.
Approved, March 18, 1993.

BANK HOLDING COMPANIES
Chicago

Lincolnshire Bancshares, Inc., Lincolnshire, Illinois
— to engage in the purchase of loan participations
from its subsidiary, Success National Bank.
Permitted, March 19, 1993.

INTERNATIONAL OPERATIONS
Cleveland

PNC International Bank, Pittsburgh, Pennsylvania —
amendment to change name to PNC Bank International.
Approved, January 4, 1993.

Kansas City

Farmers State Bank, Aurora, Nebraska — to become a
member of the Federal Reserve System.
Approved, March 5, 1993.

MEMBERSHIP




FEDERAL RESERVE BANK OF BOSTON APPLICATIONS
SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY
Application

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

Application

Newspaper

KSB Bancorp, Inc.,
Kingfield, Maine - 3 (a)(1)
application to become
a bank holding companythrough the acquisition of
Kingfield Savings Bank,
Kingfield, Maine*

04-14-93

Federal Register
Not Yet Establishied

Dennis F. Murphy - Change
in Control notification to
increase ownership up to
15.7% of Community Bancorp,Inc.,
Hudson, Massachusetts

Newspaper

04-16-93

Federal Register
Not Yet Established

SECTION III - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY
Fleet Financial Group,
Inc., Providence, Rhode
Island - 4 ( c ) (8) notification
to transfer Fleet Factors
Corporation, New York, New York
from Fleet Bank of New York, Albany,
New York, to Fleet Financial Group,
Inc., Providence, Rhode Island

Federal Register
Not Yet Established

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

♦Subject to CRA




SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
♦Rating Definitions:
"0" - Outstanding; "S" - Satisfactory;
- Needs to Improve; "SN" - Substantial Noncompliance.
Institution




Examination Date
NONE

"N"

Rating*

F e d e r a l R e s e rv e Bank o f New Y o rk

Comment Period
Ending Date
SECTION I
Applications Subject to Newspaper
___________Notice Only___________
None.
SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
Saban S.A., Panama City, Panama, and Marina Bay, Gibraltar
to acquire 100 percent of the voting shares of RNYC Holdings
Limited, Marina Bay, Gibraltar and thereby retain 27.65
percent of the voting shares of Republic New York Corporation,
New York, New York and indirectly retain RNYC's nonbank
subsidiaries and Republic National Bank of New York, New York,
New York and The Manhattan Savings Bank, New York, New York.l/
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.




4/19/93 2/

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 td improve its overall record
of ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a Substantially deficient record
of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate- income neighbor­
hoods, in a manner consistent with its resources and capabilities.
Week Ending March 27. 1993
NAME OF BANK

RATING

EXAMINATION DATE

Gateway State Bank
Satisfactory
1630 Richmond Road
Staten Island, New York 10304

November 2,

1992

Great Eastern Bank
41-48 Main Street
Flushing, New York 11352

October 26,

1992

1/
2/
3/

4/

Satisfactory

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
Farmers Trust Bank. Lebanon, Pennsylvania, proposes to establish a
branch at 1333 East Lehman Street, North Lebanon Township, Lebanon
County, Pennsylvania, pursuant to § 9 of the FR Act.
Newspaper Comment Period Expires:

4/19/93

Meridian Bank, Reading, PA requests approval to establish an
.
electronic banking facility to be located at the Pennsylvania
Convention Center, One Convention Place, 1101 Arch Street,
Philadelphia, PA, pursuant to § 9 of the FR Act.
Newspaper comment period expires:

4/19/93

Meridian Bank. Reading, PA requests approval to establish an
electronic banking facility to be located at Cousin's Supermarket,
4037 North Fifth Street, Philadelphia, PA, pursuant to § 9 of the
FR Act.
Newspaper comment period expires:

4/19/93

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

Founders Bankf Bryn Mawr, Pennsylvania, Notice filed on behalf of
Harold L. Yoh, Jr., John P. Follman and Robin Ledwith (also known as
James R. Ledwith) in his capacity as trustee of two trusts established
for the benefit of members of the Yoh and Follman families (collectively,
the "Notificants") to own 18.58%, pursuant to the Change in Bank Control
Act of 1978.
Newspaper Comment Period Expires:
Fed. Reg. Comment Period Expires:

N/Avail.
N/Avail.

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY

Comm. Bancorp, Inc., Forest City, PA, Notice of a proposed investment
in Rothtown Associates, a Pennsylvania limited partnership, to engage
de novo in community development activities, pursuant to § 4(c)(8) of
the BHC Act and § 225.25(b)(6) of Regulation Y.
Fed. Reg. comment period expires:

4/19/93

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 26, 1993
Identification of Ratings
In connection with the assessment of each insured depository
performance, a rating is assigned from the following groups:

institution's

CRA

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

Examination Date

CRA Rating

Central Bank
N. Juniata St. at US# 220
Hollidaysburg, PA 16648

10/13/92

Satisfactory

Glendale Bank of Pennsylvania
230 South Broad Street
Philadelphia, PA 19102

9/14/92

Satisfactory

Republic Bank
1515 Market Street
Philadelphia, PA 19102

2/1/93

Needs to Improve

United Valley Bank
1601 Market Street - 3rd floor
Philadelphia PA 19103

9/28/92

Satisfactory




Federal Reserve Bank of Cleveland
Applications Bulletin
For Week Ending March 27, 1993
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
NONE
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
Received Section 3 ( a ) (3) application from
Cardinal Bancshares, Inc., Lexington,
Kentucky, on March 17, 1993, to acquire
F&P Bancshares, Inc., Lexington, Kentucky.

N: *April 16, 1993

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.




AVAILABILITY OF CRA PUBLIC EVALUATIONS
(March 26, 1993)
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 March 26, 1993.
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
lowand
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 moderateincome 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 lowand moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.




NONE

F e d e r a l R e s e rv e Bank o f Richm ond

Section I - Applications Subject to Newspaper
Notice Only

Application

Comment Period Ending Date

First Union Corporation, Charlotte, N. C.,
to permit World Acceptance Corporation,
Greenville, South Carolina, to acquire
ParaData Financial Systems, Earth City,
Missouri.

3-19-93

Bank of Clarke County, Berryville,
Virginia, to establish an Electronic
Funds Transfer Facility in the Sheetz
Convenience Store at the intersection
of Route 340 and Route 50, Boyce,
Virginia.*

4-19-93

Citizens Bank of Virginia, Arlington,
Virginia, to establish a branch at 4230
John Marr Drive, Annandale, Virginia. *

4-21-93

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

Comment Period Ending Date

None.

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

First Union Corporation, Charlotte, North
Carolina, to acquire Georgia Federal Bank,
FSB, Atlanta, Georgia.

4-8-93**

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

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




A v a ila b ilit y

o f CRA P u b li c

E v a lu a t i o n s

Week ending March 26, 1993

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

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending March 26. 1993
Section 1 - Applications Subject to Newspaper Notice OnlyApplication

Comment Period Ending Date

SunTrust Banks, Inc.
Not yet available*
Atlanta, Georgia
Along with its second tier bank
holding company subsidiary, Sun Banks,
Inc., Orlando, Florida, for their bank
subsidiary, Sun Bank, N. A . , to acquire
the deposits of two branches of First Federal
Savings & Loan Association of Osceola County,
Kissimmee, Florida, pursuant to Section
5 ( d ) (3) of the Federal Deposit Insurance Act,
as amended by the Federal Deposit Insurance
Corporation Act of 1991.
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

First National Bancorp
Gainesville, Georgia
To acquire Villa Rica Bancorp, Inc.,
Villa Rica, Georgia, and thereby directly
acquire Bank of Villa Rica, Villa, Rica,
Georgia, pursuant to Section 3 ( a ) (5) of
the Bank Holding Company A c t .

Not yet available*

Trustmark Corporation
Not yet available*
Jackson, Mississippi
To acquire UniSouth Banking Corporation, Columbus, Mississippi,
pursuant to Section 3 ( a ) (3) of the Bank Holding Company Act.

♦Subject to provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending March 26. 1993
Section 3 - Applications Subject

to Federal Register Only
Comment Period Ending Date

Application
Barnett Banks, Inc.
Jacksonville, Florida
To engage de novo in acting as agent
for issuers in private placement of
all types of securities including
providing related advisory services,
and to buy and sell all types of
securities on the order of investors
as a "riskless principal", pursuant to
Section 225.25(b)(15) of Regulation Y.

Not yet available

First National Financial Corporation
Vicksburg, Mississippi
To engage de novo in community development
activities by investing in the DeVille 1991
Limited Partnership, Vicksburg, Mississippi,
pursuant to Section 225.25(b)(6) of
Regulation Y.

Not yet available

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
First Columbia Bank
Martinez, Georgia
Request for increase in bank premises.
Smyrna Bank & Trust Co.
Smyrna, Georgia
Request for increase in bank premises.
SunTrust Banks, Inc.
Atlanta, Georgia
Management interlock request, pursuant to
Management Interlock Revisions Act of 1988.




Section

5

of

the

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending March 19. 1993
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
The Terrace Bank of Florida
Post Office Box 16828,
Temple Terrace
Tampa, Florida 33628




Rating
Satisfactory

Date
12-14-92

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

Type

Application

Oakar

Citizens National Bancorp, Inc.
Darlington, Wisconsin
Darlington, Wisconsin branch of
Anchor Bank SSB
Madison, Wisconsin*

N

- 4-8-93

Membership

Community Bank of Elmhurst
Elmhurst, Illinois (in organization)
To become a member of the Federal
Reserve System*

N

- 4-5-93

Membership

Farmers State Bank
•
Jewell, Iowa
To become a member of the Federal
Reserve System*

N

- **

Membership

Community State Bank
Tipton, Iowa
To become a member of the Federal
Reserve System*

N

- **

Membership

Quad City Bank and Trust Company
Bettendorf, Iowa (in organization)
To become a member of the Federal
Reserve System*

N

- **

Membership

Westby-Coon Valley State Bank
Westby, Wisconsin
To become a member of the Federal
Reserve System*

N

**

Branch
Reg K-OT

Bank Mees & Hope N.V.
Rotterdam, The Netherlands
Establish a Representative Office at
300 Crescent Court
Dallas, Texas*

N

- **

Branch
Reg K-OT

Bank Mees & Hope N.V.
Rotterdam, The Netherlands
Establish an Agency office in N e w York,
New York*

N

- **

Branch

First of America Bank-Ann Arbor
Ann Arbor, Michigan
McKenny Student Union
850 West Cross Street
Ypsilanti, Michigan*

N




3-14-93

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

Type

Application

Branch

The Onsted State Bank
Onsted, Michigan
102 N. Main Street
Brooklyn, Mi chi gan *

N

- 3-23-93

Branch

Isabella Bank and Trust
Mount Pleasant, Michigan
532 N. McEwan Street
Clare, Michigan*

N

-

Oakar

First Mutual Bancorp, M.H.C.
Decatur, Illinois
First Mutual Bank, S.B.
Decatur, Illinois*

N

_ **




4-9-93

Federal Reserve Bank of Chicago

Xme

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

Y-l

Cash ton Bancshares, Inc.
Cash ton, Wisconsin
Bank of Cashton
Cashton, Wisconsin*'

FR - 12-18-92
N
- 3-26-93

Y-l

Bourbonnais Bancorp, Inc.
'Wheaton, Illinois
Bank of Bourbonnais
Bourbonnais, Illinois*

FR N
-

2-26-93
3-24-93

Y-2

Illinois State Bancorp, Inc.
Wheaton, Illinois
Bourbonnais Bancorp, Inc.
Wheaton, Illinois
Bank of Bourbonnais
Bourbonnais, Illinois
Presidential Holdings, Inc.
Bourbonnais, Illinois*

FR N
-

2-26-93
3-24-93

Y-l

Northview Financial Corporation
Northfield, Illinois
Northview Bank & Trust (in organization)
Northfield, Illinois*

FR - 3-12-93
N
- 3-20-93

Y-l

Lincoln Trail Bancshares,
Taylorville, Illinois
Palmer State Bank
Taylorville, Illinois*

FR - 3-12-93
N
- 3-21-93

CoC-HC

Elcho Bancorporation, Inc.
Altoona, Iowa
Jo & Verle Burgason; Marguerite
Sevde; Delilah Shaw & Charles L.
Ryan as Trustee*

FR - **
NP - **

Y-l

Lenawee Bancorp, Inc.
Adrian, Mi chigan
Bank of Lenawee
Adrian, Michigan*

FR - 3-25-93
N
- 3-22-93

Y-2

De Witt Bancorp, Inc.
De Witt, Iowa
River Valley Bancorp, Inc.
Davenport, Iowa
Valley State Bank (in organization)
Eldridge, Iowa*

FR - 3-25-93
N
- 3-22-93




Inc.

Federal Reserve Bank of Chicago

Type

Section II - Applications Subject to Both Newspaper and Federal
Register Notice
(Continued)
Comment Period
Application
Ending Date
FR - 3-25-93
N
- 3-12-93

Y-2

First Financial Corporation
Terre Haute, Indiana
Parke Bancorp
Rockville, Indiana
The Parke State Bank
Rockville, Indiana*

Y-2

First Neighborhood Bancshares,
Toledo, Illinois
Newman Bancshares, Inc.
Newman, Illinois
First State Bank of Newman
Newman, Illinois*

Y-l.

River Valley Bancorp, Inc.
Davenport, Iowa
Valley State Bank (in organization)
Eldridge, Iowa*

Y-l

Dearborn Bancorp, Inc.
Dearborn, Michigan
Community Bank of Dearborn
Dearborn, Michigan*

Y-2

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

FR - 4-2-93
N
- 3-28-93

CoC- HC

Cascade Bancorporation, Inc.
Venice, Florida
Delilah Shaw*

FR - **
NP - **

Y-l

Quad City Holdings, Inc.
Bettendorf, Iowa
Quad City Bank and Trust Company
Bettendorf, Iowa (in organization)*

FR - 4-15-93
N
- 3-28-93

GFH Corp.
Elmhurst, Illinois
Community Bank of Elmhurst
Elmhurst, Illinois (in organization) *

FR N
-

Y-l




Inc.

FR - 3-25-93
N
- 4-10-93

FR - 3.-25-93
N
- 3-22-93

FR
N
(in organization)

4-2-93
3-22-93

4-5-93
4-5-93

-

Federal Reserve Bank of Chicago

Type

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

CoC-HC

First Business Bancshares, Inc.
Madison, Wisconsin
William T. Graham

FR - 3-31-93
N
- 3-20-93

Y-2

Associated Banc-Corp
Green Bay, Wisconsin
Wausau Financial Corporation
Wausau, Wisconsin
Citizens Bank & Trust
Wausau, Wisconsin*

FR - 4-9-93
N
_ **

CoC-HC

Minowa Banshares, Inc.
Decorah, Iowa
Stephen J. Lyon, as Executor of
the Estate of George Lyon

FR - 4-12-93
N
- 3-24-93

Y-l

NJIC, Inc.
Naperville, Illinois
WestBank/Napervilie
Naperville, Illinois
WestBank/Will County
Joliet, Illinois*

FR - **
N
- 4-15-93

Y-l

Huntley Acquisition Corp.
Palatine > Illinois
State Bank of Huntley
Huntley, Illinois*

NP - **
FR - **

Y-2

Suburban Bancorp, Inc.
Palatine, Illinois
Huntley Bancshares, Inc.
Huntley, Illinois
State Bank of Huntley
Huntley, Illinois*

NP - **
FR - **

Y-l

Farmers & Traders Bancshares, Inc
Shabbona, 111inois
Farmers and Traders State Bank
Shaboona, Illinois*

NP - **
FR - **

Y-l

First Mutual Bancorp, M.H.C.
Decatur, Illinois
First Mutual Bank, S.B.
Decatur, Illinois*

NP - **
FR - **




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

Type

Application

Y-4

Northern Trust Corporation
Chicago, Illinois
Northern Futures Corporation
Chicago, Illinois--Execute and clear
commodity futures contracts

FR - 4-9-93

4 (c) (8)

Comerica Incorporated
Detroit, Mi chigan
ComeriComp, Incorporated
Detroit, Mi chigan

FR - **

Y-4

Guaranty Financial, M.H.C.
Milwaukee, Wisconsin
Guaranty Asset Protection Services, Inc.
West Hills, California

FR - **

Y-4

Guaranty Financial, M.H.C.
Milwaukee, Wisconsin
Shelter Mortgage Corporation
Milwaukee, Wisconsin

FR - **

Y-4

Guaranty Financial, M.H.C.
Milwaukee, Wisconsin
6700 Corporation
West Hills, California

FR - **

Y-4

Republic Bancorp, Incorporated
Owosso, Mi chigan
Horizon Savings Bank
Beachwood, Ohio

FR - 3-25-93
N
- 3-15-93

Y-4

Comerica Incorpora ted
De troi t, Mi chi gan
Gladshire Limited Dividend Housing
Association Limited Partnership
Kalamazoo, Michigan

FR - 3-17-93

Y-4

Iowa National Bankshares Corp.
Waterloo, Iowa
MidAmerica Financial Corporation
Waterloo, Iowa

FR - 3-12-93
N
- 4-3-93

4 (C) (8)

Rake Bancorporation
Rake, Iowa
Making and servicing of loans




FR

_

★★

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

Type

Application

Y-4

Caisse Nationale de Credit Agricole
Paris, France
Credit Agricole Futures, Inc.
New York, New York -- Execute, clear,
provide investment advisory services

FR -

Y-4

Amcore Financial, Inc.
Rockford, Illinois
Amcore Investment Banking, Inc.
Rockford, Illinois--Provide advice
and arrange for the private placement
of debt and equity securities

FR - 3-31-93

Y-4

Amcore Financial, Inc.
Rockford, Illinois
Amcore Investment Banking, Inc.
Rockford, Illinois--Investment and
financial advisory services

FR - 3-31-93

4(C) (8)

LeMars Bancorporation, Inc.
Le Mars, Iowa
De novo in making and servicing loans

FR - 4-5-93

SMB-OT

Comerica Bank
Detroit, Mi chigan
ET-92 Limited Dividend Housing
Association Limited Partnership
Detroit, Mi chigan

FR - **

4 (c) (8)

Comerica Incorporated
Detroit, Michigan
ET-92 Limited Dividend Housing
Association Limited Partnership
Detroit, Michigan

FR - 4-6-93

4 (C) (8)

Alliance Financial Corporation
N ew Buffalo, Michigan
Alliance Financial Services Corporation
N e w Buffalo, Michigan - Securities
brokerage activities

FR - **




**

Federal Reserve Bank of Chicago
Section III - A pplication s Subject to Federal Register
Notice Only
(
Continued)
Comment Period
Ending Date

Type

Application

4 (c) (8)

Capital Directions, Inc.
Mason, Mi chigan
Monex Financial Services, Inc.
Mason, Michigan - consumer financial
counseling, investment or financial
advice & tax plsmning & preparation

FR - **

4(c) (8)

Columbus Bancorp, Inc.
Indianapolis, Indiana
Gardenview Limited Partnership
Corunna, Indiana - promote community
welfare by the development of low
income housing

FR - 2-19-93

Y-4




FBOP Corporation
Oak Park, Illinois
Fairfield Financial Corporation
Oak Park, Illinois

FR- **

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

Application

RoS

Cascade Bancorporation, Inc.
Venice, Florida
to redeem 4,375.00 of common voting shares &
11,314.66 common nonvoting shares
outstanding

RoS

Waheno Bancprporatipn, Inc.
Altoona, Iowa
to redeem a portion of shares currentlyowned by Cascade Bancorporation, Inc.

N
FR
*
**

-

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




AVAILABILITY OF CRA PUBLIC EVALUATIONS

The following state member banks have been examined by the Federal Reserve Bank
of Chicago for compliance with the CRA. The 30-business day period the bank has
to make the evaluation public has lapsed during the week ending March 26, 1993.
If you are interested in obtaining a copy of the evaluation document, please
contact the bank(s) directly.
Identification of Ratings
O-An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
S-An institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
NI-An institution in this group needs to improve its overall record of ascer­
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
SN-An institution in this group has a substantially deficient record of ascer­
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate -income neighborhoods, in a manner
consistent with its resources and capabilities.
BANK NAME/LOCATION

EXAMINATION DATE

RATINGS

-Kansas State Bank
218 Buena Vista Street
Box 368
Kansas, Illinois
61933
(217) 948-5191

12/21/92

S

-Bank of Geneva
215 East Line Street
Box 278
Geneva, Indiana
46740
(219) 368-7288

12/21/92

S

-Fort Madison Bank & Trust Company
Avenue G and Seventh Street
Box 329
Fort Madison, Iowa
52627
(319) 372-5164

12/14/92

S




Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING MARCH 26, 1993

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

None.

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application

End of Comment Period

Section 4(c)(8) notification by
First National Security Company,
DeQueen, Arkansas to engage
de novo in making commercial
loans.

Not yet available

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




End of Comment Period

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

AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification o f Ratings:
O utstanding reco rd o f m eeting com m unity credit needs

A n institution in this group has an outstanding record of, and is a leader in, ascertaining and helping
to m eet the credit needs o f its entire delineated comm unity, including low - and m oderate-incom e
neighborhoods, in a m anner consistent w ith its resources and capabilities.
Satisfactory record o f m eeting com m unity credit needs

A n institution in this group has a satisfactory record o f ascertaining and helping to m eet the credit
needs o f its entire delineated community, including low - and moderate- incom e neighborhoods, in a
m anner consistent w ith its resources and capabilities.
N eeds to im prove record o f m eeting com m unity credit needs

A n institution in this group needs to im prove its overall record o f ascertaining and helping to m eet
the credit needs o f its entire delineated community, including low - and m oderate-incom e
neighborhoods, in a m anner consistent w ith its resources and capabilities.
Substantial noncom pliance in m eeting com m unity credit needs

A n institution in this group has a substantially deficient record o f ascertaining and helping to m eet
the credit needs o f its entire delineated community, including taw- and m oderate-incom e
neighborhoods, in a m anner consistent w ith its resources and capabilities.

FOR THE WEEK ENDING

Name of Bank

None




March 26, 1993

Bank Address

Examination
Date

Examination
Rating

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

Application
Community Trust Company
Sioux Falls, SD
To become a member of the Federal
Reserve System

Not yet available

Norwest Corporation, Mpls, MN
and its subsidiary Norwest
Colorado, Inc., Mpls, MN
For their subsidiary bank Norwest Bank
Denver, N.A., Denver, Co, to acquire
certain assets and assume certain
liabilities located at certain Colorado
offices of First Nationwide Bank, fsb, San
Francisco, CA

Not yet available

First Bank System, Inc., Mpls, MN
and its subsidiary Central Bancorporation, Inc., Denver, CO
For their subsidiary bank Central
Bank, N. A . , Denver, CO, to merge
with Bank Western, fsb, Denver, CO,
or its proposed successor-by-con­
version Bank Western, N . A . , Denver,
CO

Not yet available

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Application
215 Holding Co.,
Minneapolis, MN
To acquire 100% of the voting shares
of the Southwest Bancorporation, Inc.,
Minneapolis, MN*

*

Subject to CRA




Comment Period
Endincr Date
Not yet available

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

Application
215 Holding Co.,
Minneapolis, MN
To acquire 100% of the voting
shares of the Southeast Bancorporation,
Inc., Minneapolis, MN*

Not yet available

First Interstate BancSystem
of Montana, Inc.
Billings, MT
To acquire 100% of the voting shares
of the Commerce BancShares of Wyoming,
Inc., Sheridan, WY*

Not yet available

Section III - Applications Subject
to Federal Register Notice Only
Application
Merchants Holding Company
Winona, MN
To engage in mortgage banking
activities through the acquisition
of Mortgage Options of La Crosse,
Inc., La Crosse, WI
Olmsted Bancorporation, Inc.
Byron, MN
To engage de novo in general insurance agency activities.
Haugo Bancshares, Inc.
Sioux Falls, SD
To engage de novo in trust activities
through its acquisition of 50% of
Community Trust Company, Sioux Falls,
SD. a proposed de novo trust company.

* Subject to CRA




Comment Period
Ending Date
4-8-93

4-12-93

Not yet available

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

Application
Norwest Corporation
Mpls, MN
To engage in securities brokerage
activities through the acquisition of
certain assets of Columbia Investment
Services, Inc., Littleton, CO

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 26, 1993
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 lowand moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.
SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a satisfactory record of
ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and 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.
B A N K ( ) EXAMINED
S
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

Bob H. White and Betty M. White, both
of Rangely, Colorado, for prior
approval to acquire 26.10 percent of
the voting shares of Rimco, Inc.,
Wayzata, Minnesota.

Not Available

Laramie Bankshares, Laramie, Wyoming,
for prior approval to become a bank
holding company through the
acquisition of 100 percent of the
voting shares of American National
Bank, Laramie, Wyoming.*

April 8, 1993

Fourth Financial Corporation,
Wichita, Kansas, for prior approval
to acquire 100 percent of the voting
shares of Bancshares of Woodward,
Inc., Woodward, Oklahoma.*

April 12, 1993

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

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




Federal Reserve Bank of Kansas City

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

Exam Date

No n e .
*

*Application is subject to CRA.




CRA Public
Date

CRA
Rating

FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF MARCH 22, 1993
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
APPLICATION

NOTICE EXP

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

APPLICATION
♦Section 3(a)(3) application by
Big Bend Bancshares Corp., Presidio, TX, to acquire
The Marfa National Bank, Marfa, TX

N/A

♦Section 3(a)(3) application by
Rio Bancshares, Inc., Wilmington, DE, to acquire
The Marfa National Bank, Marfa, TX

N/A

♦Section 3(a)(1) application by
First Community Bancshares, Inc., Winnfield, LA, to
acquire Winn Bancshares, Inc., Winnfield, LA, and Winn
State Bank and Trust Company, Winnfield, LA

93/04/30

Change in Control Notice by
Anita Herren; Robert W. Herren Marital Trust; and Robert W.
Herren Residuary Trust, Haskell, TX, to acquire an interest
in Haskell Bancshares, Inc., Haskell, TX
(Previously reported during the week of 3-8-93)

93/04/08

Change in Control Notice by
William Osborn Barrett and MarCUs Barrett, San Antonio,
TX, to acquire an interest in Stone Oak Bancshares, Inc.,
San Antonio, TX

N/A

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




NOTICE EXP

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

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




SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
FOR THE WEEK OF MARCH 22, 1993

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
Lorena State Bank
107 S. Frontage Rd.
P. 0. Box 577
Lorena, TX 76655




Date of
Examination
92/12/14

CRA Rating
Satisfactory

FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 3/26/93

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
A p p I ication

Comment Period Ending Date

TPBC Acquisition Corporation, Oakland,
California, to become a bank holding
company by acquiring Trans Pacific Bancorp,
San Francisco, California. *

Newspaper:

3/31/93

Fed. Reg.:

4/19/93

Section III - Applications Sub.iect to Federal Register Notice Only
Application

Comment Period Ending Date

BankAmerica Corporation, San Francisco,
California, to engage de novo in providing
full service brokerage activities through BA
Securities, Inc., San Francisco, California.

Fed. Reg.:

4/14/93

First Security Corporation, Salt Lake City,
Utah, to expand activities to include high
residual value leasing through First Security
Leasing Company, Salt Lake City, Utah.

Fed. Reg.:

Not available

Section IV - Applications Not Sub.iect to Federal Register Notice
or Newspaper Notice
None

* Subject to CRA




FEDERAL RESERVE BANK OF SAN FRANCISCO (cont’d.)
Week ending 3/26/93
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during
the week ending March 26, 1993.
Information about a particular institution’s
CRA evaluation may be obtained directly from the institution.
Institution

Location

Bank of Encino

17000 Ventura Blvd.
Encino, CA 91316
(818) 789-9001

Examination Date
12/14/92

Rating*
Satisfactory

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




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