Full text of H.2 Actions of the Board, Its Staff, and the Federal Reserve Banks; Applications and Reports Received : May 10, 1997

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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H.2, 1997, No. 19
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending May 10, 1997

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANK HOLDING COMPANIES
NationsBank, N.A., Charlotte, North Carolina -letter to Comptroller of the Currency concerning
application by NationsBank to engage in real estate
development act ivit ies.
Approved, May 5, 1997.

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




Atlanta

AmSouth Bank of Tennessee, Chattanooga, Tennessee
to establish a branch at 8105 Moore's Lane,
Brentwood, Tennessee.
Approved, May 5, 1997.

Richmond

Bank of Ferrum, Ferrum, Virginia -- to establish a
branch at the intersection of State Route 616 and
State Route 122 (Westlake Corner) Moneta, Virginia.
Approved, May 5, 1997.

Minneapolis

Dacotah Bank, Aberdeen, South Dakota - - t o establish
branches in Clark, Willow Lake, Watertown, Henry,
Bradley, Faulkton, Lemmon, Bison, Mobridge,
Webster, and Roslyn.
Approved, May 5, 1997.

H.2
MAY 5, 1997
PAGE 2

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MAY 10, 1997

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

BANK BRANCHES. DOMESTIC




Atlanta

First Community Bank, Orange City, Florida- to
establish a branch at 21 South Highway 17/92,
Debary, Florida.
Approved, May 5, 1997.

Kansas City

Havelock Bank, Lincoln, Nebraska - - t o establish a
branch at 27th and Pine Lake Road, Lincoln,
Nebraska.
Approved, May 9, 1997.

St. Louis

MidSouth Bank, Monette, Arkansas -- to establish a
branch at 211 East Washington, Jonesboro, Arkansas.
Approved, May 7, 1997.

Chicago

Old Kent Bank, Grand Rapids, Michigan - - t o establish
branches in Wayne, Oakland, Macomb, Genessee,
Livingston, Wastenaw, and Monroe counties.
Approved, May 5, 1997.

Philadelphia

Orrstown Bank, Shippensburg, Pennsylvania - - t o
establish a branch at 625 Norland Avenue, Borough
of Chambersburg, Pennsylvania.
Approved, May 7, 1997.

Kansas City

Pinnacle Bank, Papillion, Nebraska -- to establish a
branch at 72nd and Cornhusker.
Approved, May 5, 1997.

Boston

Union Trust, Ellsworth, Maine - - t o establish a
branch in Bar Harbor, Maine.
Approved, May 9, 1997.

Secretary

U.S. Bank of Idaho, Boise, Idaho - - t o establish a
branch at Gary Lane Albertsons, 7100 West State
Street.
Approved, May 9, 1997.

Philadelphia

Wilmington Trust of Pennsylvania, West Chester,
Pennsylvania - - t o establish branches at 402
Lancaster Avenue, Haverford, and One Liberty Place,
1650 Market Street, Philadelphia, Pennsylvania.
Approved, May 9, 1997.

H.2
MAY 5, 1997
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MAY 10, 1997

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

BANK HOLDING COMPANIES




San Francisco

Castle Creek Capital Partners Fund-I,L.P., San Diego,
California, Castle Creek Capital L.L.C., and
Eggemeyer Advisory Corporation - - t o acquire Rancho
Santa Fe National Bank, Rancho Santa Fe,
California.
Approved, May 5, 1997.

San Francisco

Castle Creek Capital Partners Fund-I.L.P., San Diego,
California, Castle Creek Capital L.L.C., and
Eggmeyer Advisory Corporation -- to acquire First
Community Bank of the Desert, Yucca Valley,
California.
Approved, May 5, 1997.

Director, BS&R

Evans Bancorp, Inc., Angola, New York -- registration
as transfer agent.
Withdrawn, May 5, 1997.

Minneapolis

First Bank System, Inc., Minneapolis, Minnesota -- to
acquire First Bank of South Dakota (National
Association), Sioux Falls, South Dakota.
Approved, May 9, 1997.

Minneapolis

First Bank System, Inc., Minneapolis, Minnesota -- to
acquire First Interim Bank of Casper, fsb, Casper,
Wyoming, and First Interim Bank of Cheyenne, fsb,
Cheyenne, Wyoming.
Permitted, May 9, 1997.

San Francisco

First Coastal Bancshares, El Segundo, California
to acquire First Coastal Bank, N.A., El S e g u n d o ,
California.
Approved, May 5, 1997.

Richmond

First Virginia Banks, Inc., Falls Church, Virginia -to acquire Premier Bancshares Corporation,
Bluefield, Virginia.
Approved, May 8, 1997.

Kansas City

Kremlin Bancshares, Inc., Kremlin, Oklahoma --to
acquire Bank of Kremlin.
Approved, May 6, 1997.

H.2
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PAGE <t

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MAY 10, 1997

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

BANK HOLDING COMPANIES




Kansas City

Pinnacle Bancorp, Inc., Central City, Nebraska - - t o
acquire First Ogallala Investment, Inc., Ogallala,
Nebraska.
Approved, May 5, 1997.

Atlanta

Pinnacle Bancshares, Inc., Thomson, Georgia -- to
acquire McDuffie Bank & Trust.
Approved, May 8, 1997.

Atlanta

Regions Bank of Florida, Pensacola, Florida -- to
merge with First Bankshares, Inc., East Point,
Georgia, and acquire First Bank of Georgia.
Approved, May 7, 1997.

Minneapolis

Sankovitz Family Limited Partnership, Waseca,
Minnesota, and Frankson Investment Corporation -to acquire Bank of Ellendale, Ellendale, Minnesota.
Approved, May 8, 1997.

Chicago

Shorebank Pacific Corporation, Ilwaco, Washington
to acquire Shoretrust Trading Group.
Returned, May 5, 1997.

Cleveland

Southeast Bancorp, Corbin, Kentucky -- to acquire
First Bank of East Tennessee, National Association,
La Follette, Tennessee.
Approved, May 10, 1997.

Richmond

Southern National Corporation, Winston-Salem, North
Carolina - - t o acquire Phillips Factors
Corporation, High Point, North Carolina.
Approved, May 7, 1997.

Kansas City

West Point Bancorp, Inc., West Point, Nebraska -- to
merge with Dakota Bancshares, Inc.
Approved, May 5, 1997.

H. 2
MAY 5, 1997
PAGE 5

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MAY 10, 1997

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

BANK MERGERS
Minneapolis

Dacotah Bank, Aberdeen, South Dakota -- to merge with
Dacotah Bank, Clark, Dacotah Bank, Faulkton,
Dacotah Bank, Lemmon, Dacotah Bank, Mobridge, and
Dacotah Bank, Webster, South Dakota and to
establish branches.
Approved, May 5, 1997.

Richmond

First Virginia Bank-Southwest, Roanoke, Virginia -to merge with First Virginia Bank-Highlands,
Covington, Virginia.
Approved, May 5, 1997.

Richmond

George Mason Bank, Fairfax, Virginia - - t o merge with
George Mason Bank, National Association, Bethesda,
Maryland, and establish branches.
Approved, May 7, 1997.

Philadelphia

Johnstown Bank and Trust Company, Johnstown,
Pennsylvania -- to acquire the assets and assume
the liabilities of branches of National City Bank
of Pennsylvania, Pittsburgh, at 210 East Main ^
Street, Everett; 229 Main Street, Meyersdale; and
102 North Grant Street, Salisbury, Pennsylvania,
and to establish branches.
Approved, May 9, 1997.

BANKS. NONHEMBER. AND MISCELLANEOUS INSTITUTIONS




San Francisco

Glendale Federal Bank, Federal Savings Bank,
Glendale, California request for waiver of
application to acquire Transworld Bancorp, Sherman
Oaks, California, and Transworld Bank.
Granted, May 6, 1997.

Director, BS&R

Society Trust Company of New York, Albany, New York - registration as transfer agent.
Withdrawn, May 5, 1997.

Kansas City

66 Federal Credit Union, Bartlesville, Oklahoma registration under Regulation G.
Approved, May 7, 1997.

H.2
MAY 5, 1997
PAGE 6

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MAY 10, 1997

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

CAPITAL STOCK
Minneapolis

Dacotah Bank, Webster, South Dakota -- redemption of
shares.
Approved, May 5, 1997.

Minneapolis

Dacotah Bank, Lemmon, South Dakota --redemption of
shares.
Approved, May 5, 1997.

Chicago

Midstates Bancshares, Inc., Harlen, Iowa -redemption of shares.
Approved, May 7, 1997.

CHANGE IN BANK CONTROL
Dallas

Coleman Bancshares, Inc. Coleman, Texas -- change in
bank control.
Permitted, May 7, 1997.

Minneapolis

Montana Security, Inc., Havre, Montana -- change in
bank control.
Permitted, May 6, 1997.

COMPETITIVE FACTORS REPORTS




Dallas

Bonham State Bank, Bonham, Texas, proposed merger
with New Bonham, Inc. -- report on competitive
factors.
Submitted, May 9, 1997.

Secretary

Business & Professional Bank, Woodland, California,
and Sun Capital Bank, St. George, Utah, proposed
merger with United States National Bank of Oregon,
Portland, Oregon -- report on competitive factors.
Submitted, May 7, 1997.

Boston

CFX Bank, Keene, New Hampshire, proposed merger with
Centerpoint Bank, Bedford, and Concord Savings
Bank, Concord, New Hampshire -- report on
competitive factors.
Submitted, May 9, 1997.

H.2
MAY 5, 1997
PAGE 7

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MAY 10, 1997

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

COMPETITIVE FACTORS REPORTS




New York

Glenns Falls National Bank and Trust Company, Glenns
Falls, New York, proposed acquisition of certain
assets and assumption of certain liabilities of six
branches of Fleet Bank, Albany, New York -- report
on competitive factors.
Submitted, May 6, 1997.

Boston

MassBank, Reading, Massachusetts, proposed merger
with Glendale Co-operative Bank, Everett,
Massachusetts -- report on competitive factors.
Submitted, May 9, 1997.

Richmond

NationsBank, National Association, Charlotte, North
Carolina, proposed merger with Boatmen's National
Bank of Oklahoma, Tulsa, Oklahoma, and Boatmen's
Bank of Southern Missouri, Springfield, Missouri
report on competitive factors.
Submitted, May 5, 1997.

St. Louis

One National Bank, Little Rock, Arkansas, proposed
merger with Interim One National Bank -- report on
competitive factors.
Submitted, May 7, 1997.

Atlanta

Regions Bank of Florida, Pensacola, Florida, proposed
merger with Pioneer Bank, Chattanooga, Tennessee
report on competitive factors.
Submitted, May 7, 1997.

Atlanta

Regions Bank of Florida, Pensacola, Florida, proposed
merger with First Federal Savings Bank of Citrus
County, Inverness, Florida -- report on competitive
factors.
Submitted, May 7, 1997.

Atlanta

Regions Bank of Florida, Pensacola, Florida, proposed
merger with FirstBank, Panama City, Florida -report on competitive factors.
Submitted, May 7, 1997.

H.2
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MAY 10, 1997

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

COMPETITIVE FACTORS REPORTS




Atlanta

Regions Bank of Florida, Pensacola, Florida, proposed
merger with First Federal Savings Bank of New
Smyrna, New Smyrna, Florida -- report on
competitive factors.
Submitted, May 7, 1997.

San Francisco

San Diego National Bank, San Diego, California,
proposed purchase of the assets and assumption of
the liabilities of 10 San Diego County branches of
Regency Savings Bank, FSB, Naperville, Illinois -report on competitive factors.
Submitted, May 8, 1997.

Dallas

Secured Trust Bank, Tyler, Texas, proposed merger
with Secured Trust Corporation -- report on
competitive factors.
Submitted, May 9, 1997.

Atlanta

SouthTrust Bank of Alabama, N.A., Birmingham,
^
Alabama, proposed merger with SouthTrust Bank of
North Carolina, Charlotte, North Carolina;
SouthTrust Bank of Northwest Florida, Marianna,
Florida; SouthTrust Bank of Russell County, Phenix,
City, Alabama; SouthTrust Bank of Columbus, N.A.,
Columbus, Georgia; SouthTrust Bank of Florida,
N.A., St. Petersburg, Florida; SouthTrust Bank of
South Mississippi, Biloxi, Mississippi; SouthTrust
Bank of Georgia, N.A., Atlanta, Georgia; SouthTrust
Bank of Tennessee, N.A., Nashville, Tennessee; and
SouthTrust Bank of South Carolina, N.A.,
Charleston, South Carolina -- report on competitive
factors.
Submitted, May 7, 1997.

H.2
MAY 5, 1997
PAGE 9

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MAY 10, 1997

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

EXTENSIONS OF
San Francisco

Bank of America Corporation, San Francisco,
California -- extensions to divest certain
properties.
Granted, May 7, 1997.

Dallas

Laguna Bancshares, Inc., Big Lake, Texas -- extension
to August 9, 1997, to acquire Laguna Bancshares of
Delaware, Inc., Dover, Delaware, and Big Lake Bank,
N.A., Big Lake, Texas.
Granted, May 7, 1997.

Dallas

Laguna Bancshares of Delaware, Inc., Dover,
Delaware -- extension to August 9, 1997, to acquire
Big Lake Bank, N.A., Big Lake, Texas.
Granted, May 7, 1997.

San Francisco

Pacific Rim Bancorporation, San Francisco, California
-- extensions to divest certain properties.
Granted, May 7, 1997.

Chicago

St. Cloud Bancshares, Inc., St. Cloud, Wisconsin
extension to August 8, 1997, to acquire £tate Bank
of St. Cloud, St. Cloud, Wisconsin.
Granted, May 8, 1997.

INTERNATIONAL OPERATIONS
Secretary

Centura Bank, Rocky Mount, North Carolina - - t o
establish a branch in Grand Cayman, British West
Indies.
Approved, May 5, 1997.

St. Louis

Arkansas State Bank, Clarksville, Arkansas -- to
become a member of the Federal Reserve System.
Approved, May 9, 1997.

St. Louis

Benton State Bank, Benton, Arkansas - - t o become a
member of the Federal Reserve System.
Approved, May 9, 1997.

Cleveland

Citizens Banking Company, Salineville, Ohio -- to
become a member of the Federal Reserve System.
Approved, May 9, 1997.

membership




H.2
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MAY 10, 1997

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

MEMBERSHIP
S t . Louis

Citizens First Bank, Arkadelphia, Arkansas -- to
become a member of the Federal Reserve System.
Approved, May 9, 1997.

S t . Louis

Citizens First Bank, El Dorado, Arkansas - - t o become
a member of the Federal Reserve System.
Approved, May 9, 1997.

S t . Louis

Citizens First Bank, Fordyce, Arkansas -- to become a
member of the Federal Reserve System.
Approved, May 9, 1997.

S t . Louis

Clinton State Bank, Clinton, Arkansas - - t o become a
member of the Federal Reserve System.
Approved, May 9, 1997.

Chicago

NorthSide Community Bank, Gurnee, Illinois - - t o
become a member of the Federal Reserve System.
Approved, May 7, 1997.

REGULATIONS AND POLICIES




Secretary

Regulation CC -- amendments concerning realignments
in Federal Reserve check-processing regions by
adding the routing numbers formerly
assigned to the Lewiston check processing
to
the Boston head office.
Approved, May 7, 1997.

H.2
MAY 5, 1997
PAGE 11

ADDITIONS AND CORRECTIONS
TO

MAY 10, 1997

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

BANK MERGERS
Chicago

M&I Bank of Janesville, Janesville, Wisconsin -- to
merge with M&I Bank of Beloit, and M&I Bank of
Delavan, Delavan, Wisconsin, and to establish
branches.
Approved, May 2, 1997.

CAPITAL STOCK




Chicago

West Town Bancorp, Inc, Cicero, Illinois -redemption of shares
Returned, May 2, 1997.

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

Application

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

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

Comment Period Ending Date
NONE

SECTION III - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY
Application

Comment Period Ending Date
NONE

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

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Institution




Examination Date

NONE

Rating**

S E C T I O N VI

- APPLICATIONS BULLETIN

Effective April 21, 1997, information regarding the comment periods associated
with applications and notices submitted to the Federal Reserve Bank of Boston
for processing under section 3 and 4(c)(8) of the Bank Holding Company Act of
1956, as amended, will be available 24 hours a day by calling the following
toll-free number 1-800-896-9480.

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




FEDERAL RESERVE BANK OF NEW YORK
Comment Period
Ending, Date

SECTION!
Applications Subject to Newspaper

____ Notice Only____

HSBC Equator Bank, Pic, London, England, to establish a representative
office in Washington, D.C.

SECTION H
Applications Subject to Both
Newspaper and Federal Register Notice
None.
SECTION III
Nonbanking Applications
(subject to Federal Register Notice Only 1
None.
SECTION IV
Applications Not Involving

__ Eublic Comment__

None.

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




Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record
of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate income
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate- income
neighborhoods, in a manner consistent with its resources and capabilities.
w w k Ending May 1 0 ,1??7
NAME. QE BANK

RATING

None.
1/ Subject to provisions of Community Reinvestment Act.
2/ Later of dates specified in newspaper and Federal Register notices.
y Date specified in newspaper notice; a later date may be specified in
the Federal Register notice.
4/ Date specified^in Federal Register notice; a later date may be
specified in the newspaper notice.
N /A -N ot Available




EXAi

A H ONJPATE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER
NOTICE ONLY
Ambassador Bank of The Commonwealth. Allentown, PA to merge with thrift (Pennsylvania
chartered saving bank) Wilbur Savings Bank, Bethlehem, PA, pursuant to Section 5(d)(3) of
the Federal Deposit Insurance Act.
Newspaper comment period expires:

N/A vail

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




NONE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
The following institutions were examined for CRA. The 30-business day period the bank has
to make the evaluation public has lapsed during the week ending May 9, 1997.
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in, ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Bank/Location

Examination Date

CRA Rating

NONE

NONE

NONE




APPLICATIONS BULLETIN
(For the week ending May 10,1997)

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
Received notice from The Fifth Third Bank of Northeastern Ohio,
Cleveland, Ohio, of its intent to establish a branch at 20220 Center
Ridge Road, Rocky River, OH.

*May 31, 1997

SECTION n - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL
REGISTER NOTICE
Received application from Mellon Bank Corporation, Pittsburgh,
PA on May 5, 1997, to acquire 1st Business Corporation, Los
Angeles, CA.

*F: May 30, 1997

Received application from The Fifth Third Bank, Cincinnati, OH
on April 29, 1997, to merge with Suburban Federal Savings
Bank, Cincinnati, OH.

*N: May 28, 1997

SECTION m - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
Received notice from Mellon Bank Corporation, Pittsburgh, PA
on April 18, 1997, to acquire Buck Consultants, Inc., New
York, NY and engage in employee benefits counseling as
permitted by Section 225.25(b)(9) of Regulation Y.

May 27, 1997

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
Received notice from Mid Am, Inc., Bowling Green, OH of its intent to acquire MFI
Investments Corp., Bryan, OH pursuant to Section 4(j) of the Bank Holding Company Act.

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



AVAILABILITY OF CRA PUBLIC EVALUATIONS
(May 9, 1997)

The following state member banks have been examined by the Federal Reserve Bank of
Cleveland for compliance with The Community Reinvestment Act. A public evaluation
document became available from the bank(s) listed below during the week ended May 9, 1997.
If you are interested in obtaining a copy of an evaluation document, please contact the bank(s)
directly.
There are four descriptive ratings for CRA:
OUTSTANDING: a bank in this group has an outstanding record of, and is a leader
in, ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.
SATISFACTORY: a bank in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
NEEDS TO IMPROVE: a bank in this group needs to improve its overall record of
ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
SUBSTANTIAL NON COMPLIANCE: a bank in this group has a substantially
deficient record of ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.




NONE

Federal Reserve Bank of Richmond
Section I - Applications Subject to Newspaper
Notice Only
Application

Comment Period Ending Date

Crestar Bank, Richmond, Virginia, to establish
a branch in the Amherst Highway Wal-Mart at the
intersection of U. S. Route 29 and Woody's Lake
Road, Madison Heights, Virginia.*

6-2-97

Crestar Bank, Richmond, Virginia, to establish
a branch in the Liberty Fair Kroger, 240 West
Commonwealth Boulevard, Martinsville, Virginia.*

6-2-97

Crestar Bank, Richmond, Virginia, to establish
a branch in the Mechanicsville Wal-Mart, 7430
Bell Creek Road, Mechanicsville, Virginia.*

6-2-97

Crestar Bank, Richmond, Virginia, to establish
a branch in the Willow Lawn Hannaford Supermarket,
1601 Willow Lawn Drive, Richmond, Virginia.*

6-2-97

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

Comment Period Ending Date

None.

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

None.

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

♦Application is subject to CRA requirements.



Federal Reserve Bank of Richmond

Section V - Availability of CRA Public Evaluations
Week ending May 9, 1997

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

RSSD
Number
223322




Name of Bank
The First Bank and Trust Company
236 West Main Street
Lebanon, Virginia 24266-9705

Examination
Date____

2-24-97

Ea.ti.ng

Satisfactory

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending May 9. 1997
Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

1st United Bank
Not yet available*
Boca Raton, Florida
To merge with Seaboard Savings Bank, F.S.B., Stuart, Florida, pursuant to Section 18(c) of the
Federal Deposit Insurance Act.
1st United Bank
Not yet available*
Boca Raton, Florida
To acquire the assets and assume certain liabilities of Seaboard Savings Bank, F.S.B., Stuart,
Florida, pursuant to Section 5(d)(3) of the Federal Deposit Insurance Act, as amended by the
Federal Deposit Insurance Corporation Improvement Act of 1991.

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

Comment Period Ending Date

Banclndependent, Inc.
05-26-97*
Sheffield, Alabama
Change in control notice by Mr. Leonard P. Mauldin, Mr. Macke B. Mauldin, and Mr. E. Fennel
Mauldin, Jr. (MPEFM, II Limited Partnership), to collectively acquire 30.8 percent of the
outstanding shares of Banclndependent, Inc., Sheffield, Alabama.
1st United Bancorp
Not yet available*
Boca Raton, Florida
To acquire Seaboard Savings Bank, F.S.B., Stuart, Florida, and thereby engage in operating a
savings association, pursuant to Section 225.28(b)(4)(ii) of Regulation Y and Section 4(c)(8) of the
Bank Holding Company Act.
First Bankshares, Inc.
Not yet available*
Longwood, Florida
Change in control notice by Ms. Susma Patel and Messrs. Suketu (Suku) Madhusudan Patel, Parimal
(Perry) Kantibhai Patel, Bharat Muljibhai Amin, and Dennis John Lloyd King (the Patel Group), to
collectively acquire 43.06 percent of the outstanding shares of First Bankshares, Inc., Longwood,
Florida.

* Subject to the provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending Mav 9. 1997
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

Seacoast Banking Corporation of Florida
04-24-97*
Stuart, Florida
To merge with Port St. Lucie National Bank Holding Corp., Port St. Lucie, Florida, and thereby
directly acquire Port St. Lucie National Bank, Port St. Lucie, Florida, pursuant to Section 3(a)(5)
of the Bank Holding Company Act.
American Bancorp, Inc.
05-26-97*
Opelousas, Louisiana
Newspaper
Change in control notice by Mr. Ronald J. Lashute to acquire an additional 13.33 percent of the
outstanding shares of American Bancorp, Inc., Opelousas, Louisiana. The acquisition will
increase Mr. Lashute’s total ownership to 13.69 percent.
First Holding Company, Inc.
06-02-97*
Livingston, Tennessee
Federal Register
After-the-fact change in control notice by Mr. Ronald Hollis Hyder and Mr. Garry Wayne
McNabb, as co-trustees of the Melissa Lynn Oakley 1996 Trust, to retain 27.06 percent of the
outstanding shares of First Holding Company, Inc., Livingston, Tennessee.

Section 3 - Applications Subject to Federal Register Only
Application

Comment Period Ending Date

None.
Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Firstrust Corporation
New Orleans, Louisiana
To acquire up to 24.9 percent of Automated Technology Machines, Inc., New Orleans, Louisiana
(ATM), and thereby engage in data processing activities, pursuant to Section 225.28(b)(14) of
Regulation Y, and Section 4(c)(8) of the Bank Holding Company Act. First Bank and Trust, New
Orleans, Louisiana, Notificant’s bank subsidiary, currently owns 100 percent and will own the
remaining 75.1 percent following the transaction. ATM owns and operates cash dispensing
machines.

* Subject to provisions of the Community Reinvestment Act.



Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending May 9. 1997
Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Deposit Guaranty Corp.
Jackson, Mississippi
Request for waiver of the application requirement of Section 3(a)(5) of the Bank Holding
Company Act for Deposit Guaranty Corp., Jackson, Mississippi, to merge with NBC Financial
Corporation, Baton Rouge, Louisiana, and thereby directly acquire Bank of Commerce, Baton
Rouge, Louisiana.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending Mav 9. 1997
Section 10 - Availability of CRA Public Evaluations
The CRA public evaluations of the insured depository institutions listed below became available
during this week. Information about an institution's CRA evaluation may be obtained directly
from the institution. In connection with the assessment of an institution's CRA performance, a
rating is assigned from the following groups:
Outstanding record of meeting community credit needs: An 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 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.

Bank

CRA Rating

Examination Date

Community Bank of
the Islands
2450 Periwinkle Way
Sanibel, Florida 33957
(813) 472-2800

Outstanding

01-27-97

Barnett Bank of Southwest Georgia
Post Office Box 1497
Columbus, Georgia 31993
(706) 571-7827

Satisfactory

01-20-97




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending Mav 9. 1997
Recently Approved Applications

ApprovalDate

Regions Financial Corporation
05-08-97
Birmingham, Alabama
To merge with SB&T Corporation, Smyrna, Georgia, and thereby directly acquire Smyrna Bank &
Trust Company, Smyrna, Georgia, pursuant to Section 3(a)(5) of the Bank Holding Company ActRegions Financial Corporation
05-08-97
Birmingham, Alabama
To merge with First Bankshares, Inc., East Point, Georgia, and thereby directly acquire First Bank
of Georgia, East Point, Georgia, pursuant to Section 3(a)(5) of the Bank Holding Company Act.
First Community Bank
05-05-97
Orange City, Florida
To establish a branch located at 21 S. Highway 17/92, DeBary, Florida, to be known as the DeBary
Office.
North Fulton Bancshares, Inc.
Roswell, Georgia
Commitment waiver request.

05-08-97

Pinnacle Bancshares, Inc.
Thomson, Georgia
1-BHC formation, McDuffie Bank & Trust, Thomson, Georgia.

05-08-97

AmSouth Bank of Tennessee
05-06-97
Chattanooga, Tennessee
To establish a branch located at 8105 Moore’s Lane, Brentwood, Tennessee.




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

Type

Application

Merger & Branch

Huron Community Bank
East Tawas, Michigan
Au Gres Michigan branch of Citizens Bank
Flint, Michigan
Branch at 3150 East Huron Road
Au Gres, Michigan

NP - 5-7-97

Merger & Branch

M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
Security Bank, S.S.B.
Milwaukee, Wisconsin
and to establish 34 branches

NP -5-22-97

Merger & Branch

Old Kent Bank
Grand Rapids, Michigan
Old Kent Bank
Elmhurst, Illinois
and to establish 26 branches

NP -5-22-97

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




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

Type

Application

CoC-HC

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

FR - 5-16-97
NP - 5-13-97

3(a)(3)

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

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

3(a)(3)

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

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

3(a)(5)

Marshall & Ilsey Corporation*
Milwaukee, Wisconsin
Security Capital Corporation
Milwaukee, Wisconsin
Security Bank, S.S.B.
Milwaukee, Wisconsin

FR - 5-5-97
NP - 4-27-97

3(a)(5)

Citizens Banking Corporation*
Flint, Michigan
CB Financial Corporation
Jackson, Michigan
City Bank & Trust Company
Jackson, Michigan
City Bank
St. Johns, Michigan
CB North
Charlevoix, Michigan

FR -5-8-97
NP - 5-1-97

3(a)(3)

NEB Corporation*
Fond du Lac, Wisconsin
State Bank of St. Cloud
St. Cloud, Wisconsin

FR - 5-5-97
NP - 4-30-97




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

Type

Application

3(a)(5)

F & M Bancorporation, Inc.*
Kaukauna, Wisconsin
Citizens National Bancorp, Inc.
Darlington, Wisconsin
Citizens National Bank of Darlington
Darlington, Wisconsin

FR - 5-12-97
NP - 5-12-97

3(a)(5)

F & M Merger Corporation*
Kaukauna, Wisconsin
Citizens National Bancorp, Inc.
Darlington, Wisconsin
Citizens National Bank of Darlington
Darlington, Wisconsin

FR - 5-12-97
NP - 5-12-97

3(a)(5)

F & M Bancorporation, Inc.*
Kaukauna, Wisconsin
Wisconsin Ban Corp.
Prairie du Chien, Wisconsin
Prairie City Bank
Prairie du Chien, Wisconsin

FR - 5-12-97
NP - 5-7-97

3(a)(5)

F & M Merger Corporation*
Kaukauna, Wisconsin
Wisconsin Ban Corp.
Prairie du Chien, Wisconsin
Prairie City Bank
Prairie du Chien, Wisconsin

FR -<5-12-97
NP - 5-7-97

3(a)(3)

Country Bancorporation*
Crawfordsville, Iowa
Hiawatha Bank and Trust Company (in organization)
Hiawatha, Iowa

FR - 5-12-97
NP - 4-7-97

3(a)(3)

Community Financial Corp.*
Edgewood, Iowa
Community Savings Bank (in organization)
Robins, Iowa

FR - 5-16-97
NP - 3-31-97

3(a)(1)

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

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




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

Type

Application

3(a)(1)

Peoples Financial Services, Inc.*
Hamtramck, Michigan
Peoples State Bank
Hamtramck, Michigan

FR - 5-23-97
NP - 5-10-97

3(a)(1)

Dunn Investment Co.*
Eagle Grove, Iowa
Dunn Shares
Eagle Grove, Iowa
Security Savings Bank
Eagle Grove, Iowa
F & M Shares Corp.
Eagle Grove, Iowa
Farmers & Merchants Savings Bank
Manchester, Iowa

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

3(a)(3)

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

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

3(a)(1)

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

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

3(a)(1)

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

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

3(a)(1)

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

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




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

Endin&I>aie

Type

Application

3(a)(1)

FBA Bancorp Inc.*
Chicago, Illinois
Interim First Bank S.B. (in organization)
Chicago, Illinois

FR - **
NP - **

Section III - Applications Subject to Federal Register
Notice. Only

Type

Application

4(c)(8)

Shorebank Pacific Corporation
Ilwaco, Washington
Shoretrust Trading Group
Ilwaco, Washington

Comment Period
Ending Date
FR - 5-17-97

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

Type

Application

ROS

Financial Services Corporation of the Midwest
Rock Island, Illinois
To redeem $5,000,000 of its class A cumulative convertible preferred stock




Federal Reserve Bank of Chicago
Section V - Availability of CRA Public Evaluations

The following state member banks have been examined by the Federal Reserve Bank of Chicago for
compliance with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed
during the week ending May 9, 1997. If you are interested in obtaining a copy of the evaluation document,
please contact the bank(s) directly.
Identification of Ratings
O-

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

S-

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

NI -

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

SN -

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




BANK NAME/LOCATION

EXAMINATION DATE

RATINGS

First Farmers Bank and Trust
123 North Jefferson
Converse, Indiana 46919
(317) 395-3316
RSSD # 139843

1/13/97

S

Markesan State Bank
84 North Bridge Street
Markesan, Wisconsin 53946
(414) 398-2358
RSSD# 489641

1/27/97

0

Farmers Savings Bank
402 ‘B’ Avenue
Kalona, Iowa 52247
(319) 656-2265
RSSD# 929044

1/27/97

S

RESERVE BA NK A PPLIC A TIO N S B U LLETIN

For week ending May 9. 1997_______

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

End of Comment Period

None.

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

End of Comment Period

* Section 3(a)(1) notification by Peoples-Marion
Bancorp, Inc., Marion, Kentucky, to acquire The
Peoples Bank, Marion, Kentucky.

Newspaper: 6-9-97

* Section 3(a)(3) notification by The Peoples Bank
Employees Stock Ownership Trust, Marion,
Kentucky, to acquire 47.45 percent of Peoples-Marion
Bancorp, Inc., Marion, Kentucky.

Newspaper: 6-9-97

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
y

Application

End of Comment Period

None.

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

End of Comment Period

Section 9 membership application by Flora Bank
& Trust, Flora, Illinois.

N/A

♦This notification is subject to CRA.




RESERVE B A N K A PPLIC A TIO N S B U LLE TIN

For week ending May 9, 1997

FEDERAL RESERVE BANK OF ST. LOUIS
SECTION V - AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification of Ratings!

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

Bank RSSD
Number

Name of Bank

Bank Address

Exam ination
Date

Examination
Rating

941541

Bank of Altenburg

Altenburg, MO

1/27/97

Satisfactory

663450

Bank of Louisiana

Louisiana, MO

1/27/97

Satisfactory




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section I - Applications Subject to
Newspaper Notice Only

Comment Period
Ending Date

Application
NONE.

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

Application
Steams Financial Services, Inc., St. Cloud, Minnesota
for prior approval to acquire 80% o f the voting shares o f the
Arizona Community Bank o f Scottsdale, Scottsdale, Arizona. *

N ot yet available

* Subject to CRA

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

Application
TCF Financial Corporation, Minneapolis, M innesota to engage
in leasing activities through the acquisition o f Winthrop Resources
Corporation, Minnetonka, Minnesota.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications N ot Subject to
Federal Register Notice or Newspaper Notice
Application
NONE.




May 27,1997

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability o f
CRA Public Evaluations

week ending May 9,1997
ASSIGNMENT OF RATING
Identification o f Ratings
In connection with the assessment o f 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 o f 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 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 OF MEETING COMMUNITY CREDIT NEEDS.
An 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.

^

An 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.
BANK (S'! EXAMINED

DATE OF EXAMINATION

CRA RATING

F&M Bank-Superior
1612 Belknap Street
P.O. Box 639
Superior, WI 54880

January 27, 1997

Satisfactory

The State Bank o f Townsend
400 Broadway
Townsend, MT 59644-2322

January 27, 1997

Outstanding




KANSAS CITY RESERVE BANK APPLICATIONS AND REPORTS RECEIVED
During the week ending May 9, 1997
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

Mercantile Bank, Overland Park, Kansas, for prior
approval to merge with Mark Twain Kansas City
Bank, Kansas City, Missouri.

Not Available

Lafayette State Bank, Lafayette, Colorado, for prior
approval to establish additional branch facilities to be
located at 785 Chessman Street, Erie, Colorado, and
5720 West 120th Avenue, Broomfield, Colorado.

Not Available

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

COMMENT PERIOD ENDING DATE

Guaranty Bancshares Corporation, Kansas City,
Kansas, for prior approval to acquire 100 percent of
the voting shares of Bank of Coffey, Coffey,
Missouri.*

Not Available

Reich Family Limited Partnership, Kansas City,
Missouri, and general partners Carolyn Reich Weir,
Independence, Missouri, and Nancy Reich Esry,
Sarasota, Florida, to acquire an additional 12 percent,
for a total of 34 percent, of the voting shares of Blue
Ridge Bancshares, Inc., Kansas City, Missouri.

May 27, 1997

PBT Bancshares, Inc., McPherson, Kansas, for prior
approval to acquire 100 percent of the voting shares of
Yoder Bankshares, Inc., Yoder, Kansas.*

June 6, 1997

The Farmers State Bank of Fort Morgan ESOP, Fort
Morgan, Colorado, for prior approval to acquire an
additional 7.91 percent, for a total of 33.09 percent, of
the voting shares of FSB Bancorporation, Inc., Fort
Morgan, Colorado.*

June 13, 1997

Lauritzen Corporation, Omaha, Nebraska, for prior
approval to acquire an additional 3.68 percent, for a
total of 24.9 percent, of the voting shares of First
National of Nebraska, Inc., Omaha, Nebraska.*

June 13, 1997




SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
APPLICATION

COMMENT PERIOD ENDING PATE

None.
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
APPLICATION
Bank of Star Valley, Afton, Wyoming, for prior
approval to invest in bank premises.
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:
Outstanding record of meeting community credit needs
An institution in this group has an outstanding record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs
An institution in this group has a satisfactory record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.




Exam Date

CRA Public
Date

State Bank
851659
P.O. Box 187
Palmer, Nebraska 68864-0187

02/03/97

05/06/97

Satisfactory

Exchange Bank of Missouri 686459
P.O. Box 69
Fayette, Missouri 65274-0000

02/03/97

05/06/97

Outstanding

The Bank at Broadmoor
776659
Four Elm Street
Colorado Springs, Colorado 80906-3124

02/03/97

05/07/97

Satisfactory

Bank/Location

RSSD#

♦Application is subject to CRA.




CRA
Rating

FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF MAY 5, 1997

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
APPLICATION

NOTICE EXP

None.

SECTION. U - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
APPLICATION

** NOTICE EXP

*Section 3(a)(3) application by
Mansfield Bancshares, Inc., Mansfield, LA,
to acquire Riverside Bancshares, Inc., Logansport, LA, and
Bank of Logansport, Logansport, LA

N/A

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 MEEK OF MAY 5. 1997

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

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

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

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

Date of
Bank

Examination

CRA Rati no

Texas First Bank
P.0. Box 3344
3232 Palmer Highway
Texas City, TX 77592
473266

97/01/27

Satisfactory




FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 5/09/97
Section I - Applications Subject to Newspaper Notice Only Date
Application

Comment Period Ending Date

None

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

Not Available

Fed. Reg.;

5/27/97

Zions Bancorporation, Salt Lake City, Utah, to
acquire Tri-State Bank, Montpelier, Idaho. *

Newspaper:

5/30/9]

Security State Corporation, to become a bank holding
company by acquiring Security State Bank, both of
Centralia, CA. *

Newspaper:

Not Yet Available

Fed. Reg.:

Not Yet Available

Newspaper;

Not Yet Available

Clifford R. Ronnenberg, Sunset Beach, California,
to increase his ownership up to 27.8 percent of
Security First Bank, Fullerton, CA. *

Bank of Idaho Holding Company, to become a
bank holding company by aquiring Bank of
Estern Idaho, both of Idaho Falls, Idaho. *

Fed. Reg.:

Not Yet Available

Section III -Applications Subject to Federal Register Only
None

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

* Subject to CRA.




FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 5/09/97
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during this week. Information
about a particular institution's CRA evaluation may be obtained directly from the institution.
Institution

Location

Western Security Bank

7401 E. Camelback Road
Scottsdale, AZ 85251-3508
(602) 947-9888

Examination Date

1/06/97

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 moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

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

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




H .2 A

Notice of Formations and Mergers of, and Acquisitions by, Bank Holding
Companies; Change in Bank Control
Notices Filed as of May 9,1997
The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act of
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j)), Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board of Governors, no
later than the end of the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end of this release.
The public portions of the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;
addresses are listed at the end of this release. Applications and notices also may be obtained from the
Board.
Applicant or notificant

Acquiree or activity

Allegiant Bancorp, Inc.,
Clayton, MO

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

4

St. Louis

June 9, 1997

Allied Irish Banks, p.l.c.,
Dublin, Ireland,
and First Maryland
Bancorp,
Baltimore, MD

Dauphin Deposit Corp.;
Dauphin Deposit Bank and
Trust Co., Harrisburg, PA;
Hopper Soliday & Co., Inc.,
Lancaster, PA; Dauphin
Life Insurance Co.,
Harrisburg, PA, securities
(b)(8)(i); Loans USA, Inc.,
Pasadena, MD, (b)(1),
(b)(21), (b)(7), (b)(8)(ii)

3 and 4

Richmond

May 1, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notiftcant

Acquiree or activity

AMCORE Financial,
Inc.,
Rockford, IL

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

3

Chicago

April 22,1997

Banc One Corporation,
Columbus, OH and
Banc One Oklahoma
Corporation,
Oklahoma City, OK

Liberty Bancorp Inc.;
Liberty Bank and Trust
Company of Oklahoma
City, N.A., Oklahoma City,
OK; Liberty Bank and Trust
Company of Tulsa, N.A.,
Tulsa, OK,
insurance (b)(8); trust
services (b)(3); and lending
(bXl) and (5)

3 and 4

Cleveland

March 14,1997

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

BBV Latlnvest Securities
Inc.,
New York, NY,
securities activities (bX 1),
(b)(4), (b)(15), and (bX16)

4

New York

March 4,1997

Bancorp Hawaii, Inc.,
Honolulu, HI

CU Bancorp,
Encino, CA;
California United Bank,
Encino, CA

3

San Francisco

May 5, 1997

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

The Bank of New Glarus,
New Glarus, WI

3

Chicago

June 6, 1997

Bank of Idaho Holding
Company,
Idaho Falls, ID

Bank of Eastern Idaho,
Idaho Falls, IA

3

San Francisco

June 9, 1997




Section o f law

Reserve Bank

End o f comment period

Applicant or notificant

Acquiree or activity

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

State Street Boston
Corporation,
Boston, MA;
State Street Bank and Trust
Company,
Boston, MA,
trust, securities and data
processing activities (b)(3),
(b)(4), and (b)(7)

3 and 4

New York

March 14, 1997

BanPonce Corporation,
Hato Rey, PuertoRico;
Popular International
Bank, Inc.,
Hato Rev, Puerto Rico;
and BanPonce Financial
Corp.,
Wilmington, DE

CBC Bancorp, Ltd.,
Chicago, IL;
Capitol Bank of Westmont,
Westmont, IL;
Chicago Bank and Trust,
Chicago, IL

3

New York

April 21, 1997

BanPonce Corporation,
and
Poplar International
Bank, Inc.,
both of Hato Rey,
Puerto Rico

National Bancorp, Inc.,
Streamwood, IL;
AmericanMidwest Bank
and Trust,
Melrose Park, IL

3

New York

April 21,1997

Bay Bankcorp, inc.,
Gladstone, MI

Baybank,
Gladstone, MI

3

Minneapolis

April 28, 1997

BNB Bancorp. Inc.,
Brookville, OH

Brookville National Bank,
Brookville, OH

3

Cleveland

April 28,1997

BonState Bancshares,
Inc.,
Bonham, TX,
and Bonham Financial
Services, Inc.,
Dover, DE
CORRECTION

Bonham State Bank,
Bonham, TX

3

Dallas

April 25, 1997

BonState Bancshares,
Inc.,
Bonham, TX, and
Bonham Financial
Services, Inc.,
Dover, DE

Bonham Financial Services,
Inc.,
Dover, DE;
Bonham State Bank,
Bonham, TX

3

Dallas

April 25, 1997

Briscoe, Dolph, Jr.,
Uvalde, TX

Zavala Bankshares, Inc.,
Crystal City, TX

CIBC

Dallas

April 16,1997




Section o f law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Buffalo Bancorp, Inc.,
Buffalo, TX;
Buffalo Corp.,
Dover, DE

Citizens State Bank,
Buffalo, TX

3

Dallas

May 8,1997

California Community
LLC,
Los Angeles, CA

First Coastal Bancshares,
ElSegundo, CA ;
First Coastal Bank, N.A.,
El Segundo, CA

3

San Francisco

April 11, 1997

Capitol Bancorp, Ltd.,
Lansing, Ml
and Sun Community
Bancorp, Ltd.,
Tucson, AZ

Valley First Community
Bank,
Scottsdale, AZ

Chicago

May 27, 1997

Carson, Frank L., Ill,
Mulvane, KS

Mulvane Bankshares, Inc.,
Mulvane, KS;
Mulvane State Bank,
Mulvane, KS

CIBC

Kansas City

April 23, 1997

Castle Creek Capital
Partners Fund-I, L.P.,
Castle Creek Capital,
L.L.C., and
Eggemeyer Advisory
Corporation,
all of San Diego, CA

Rancho Santa FeNational
Bank,
Rancho Santa Fe, CA;
First Community Bank of
Desert,
Yucca Valley,. CA

3

San Francisco

March 24, 1997

Castle Creek Capital
Partners Fund-I, L.P.;
Castle Creek Capital,
L.L.C.; and
Eggemeyer Advisory
Corporation,
all of San Diego, CA

Rancho Santa Fe National
Bank,
Rancho Santa Fe, CA;
First Community Bank of
the Desert,
Yucca Valley, CA

3

San Francisco

April 25, 1997

Castle Creek Capital
Partners Fund-I, L.P.;
Castle Creek Capital,
L.L.C.; and Eggemeyer
Advisory Corporation,
all of San Diego, CA

Rancho Santa Fe National
Bank,
Rancho Santa Fe, CA

3

San Francisco

April 25, 1997

CB Bancorp, Inc.,
Higginsport, OH

The Citizens Bank,
Higginsport, OH

3

Cleveland

March 24, 1997




Section o f law

Reserve Bank

End o f comment period

Applicant or notificant

Acquiree or activity

CCB Financial
Corporation,
Durham, NC

American Federal Banks,
F.S.B.,
Greenville, SC, mortgage
lending; acting as agent in
the sale of certain credit
related insurace; savings
association; and brokerage
services (b)(l)(iii), (8)(i),
(9), and (15)

4

Richmond

May 16, 1997

Central Bancompany,
Inc.,
Jefferson City, MO

Warrensburg Bancshares,
Inc.,
Warrensburg, MO;
Bank of Warrensburg,
Warrensburg, MO

3

St. Louis

May 8, 1997

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

Century Savings Bank,
Bridgeton, NJ

3

Philadelphia

May 1, 1997

CH and JD Byrum, LLC,
Indianapolis, IN

American State Bank,
Lawrenceburg, IN;
American State Corporation,
Lawrenceburg, IN

3

Chicago

April 14,1997

Citizens Bancorp,
Corvallis, OR

Citizens Bank,
Corvallis, OR

3

San Francisco

April 7, 1997

Citizens Banking
Corporation,
Flint, MI

CB Financial Corporation,
Jackson, MI;
CB North,
Charleviox, MI;
City Bank & Trust,
Jackson, MI;
City Bank,
Saint Johns, MI

3

Chicago

May 8, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Comerzbank AG,
Frankfurt am Main,
Germany

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

4

New York

May 14, 1997

Commerzbank
Aktiengesellschaft,
Frankfurt Main,
Germany

Commerz Futures
Corporation,
Chicago, IL, financial &
investment advisory (b)(6)

4

New York

May 23, 1997

Community Bankshares
Incorporated,
Petersburg, VA

County Bank of
Chesterfield,
Midlothian, VA

3

Richmond

June 2, 1997

Community Capital
Corporation,
Greenwood, SC

The Bank of Newberry
County,
Newberry, SC

3

Richmond

May 29, 1997

Community Financial
Corp.,
Edgewood, IA

Community Savings Bank,
Robbins, IA

3

Chicago

May 16, 1997

Compass Bancshares,
Inc.,
Birmingham, AL;
Compass Banks of
Texas, Inc.,
Birmingham, AL;
Compass
Bancorporation of
Texas, Inc.,
Wilmington, DE

Central Texas Bancorp, Inc.,
Waco, TX;
The Texas National Bank of
Waco,
Waco, TX

3

Atlanta

May 12, 1997

Concord EFS, Inc.,
Memphis, TN

EFS Federal Savings Bank,
Oakland, TN;
First Federal Bank, FSB,
Memphis, TN, operating a
savings association (b)(4)(H)

4

St. Louis

May 13, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notiflcant

Acquiree or activity

Concordia Capital
Corporation,
Vidalia, LA

Cordia Bank & Trust
Company,
Vidalia, LA

3

Dallas

April 21, 1997

Conrad Company,
Minneapolis, MN

National Mercantile
Bancorp,
Los Angeles, CA;
Mercantile National Bank,
Los Angeles, CA

3

Minneapolis

April 7,1997

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

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

CIBC

Chicago

May 16, 1997

Corley, John William,
(2)
Monticelli, IL

and First State Bank of
Atwood,
Atwood, IL

CIBC

Chicago

May 16, 1997

Country Bancorporation,
Crawfordsville, IA

Hiawatha Bank and Trust
Company,
Hiawatha, IA

3

Chicago

May 12, 1997

Covenant Bancorp, Inc.,
Haddonfield, NJ

Covenant Bank,
Haddonfield, NJ

3

Philadelphia

April 22, 1997

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

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

CIBC

Dallas

April 30, 1997

Credit Suisse Group,
Zurich, Switzerland,
and Credit Suisse First
Boston Corp.,
New York, NY

TradeWeb, L.L.C.,
data processing (b)(7)

4

New York

April 16, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

CreditanstaltBankverein,
Vienna, Austria

community investments
0>X6)

4

New York

February 24,1997

Criswell, Thomas E.,
Ada, OK;
Home, Bill J., Sr.,
Ada, OK;
Howard, C.B.,
Ada, OK;
Thompson, Richard J.,
Oklahoma City, OK;
Wall, James N.,
Shawnee, OK,
all as co-trustees,

First Ada Bancshares, Inc.,
Ada, OK;
First National Bank and
Trust Company,
Ada, OK

CIBC

Kansas City

April 30,1997

Cumberland Bancorp,
Inc.,
Carthage, TN

The Bank of Mason,
Mason, TN

3

Atlanta

April 4, 1997

Dartmouth Capital
Group, Inc.,
Huntington Beach, CA;
Dartmouth Capital
Group, L.P., Huntington
Beach, CA; Commerce
Security Bancorp, Inc.,
Huntington Beach, CA;
and SDN Bancorp, Inc.,
Encinitas, CA

Eldorado Bancorp,
Irvine, CA;
Eldorado Bank,
Tustin, CA

3

San Francisco

April 25, 1997

Deer, Charlie,
Monroeville, AL

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

CIBC

Atlanta

May 27, 1997

Deutsche Bank, AG
(Main)
Federal Republic of
Germany

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

4

New York

May 12,1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

DUNN Investment Co.,
Eagle Grove, IA

Dunn Shares, Inc.,
Eagle Grove, IA;
Security Savings Bank,
Eagle Grove, IA;
and F&M Shares Corp.,
Eagle Grove, IA;
Farmers & Merchants
Savings Bank,
Manchester, LA

3

Chicago

May 16, 1997

Eden Financial
Corporation,
San Angelo, TX

The First State Bank of
Rankin,
Rankin, TX

3

Dallas

March 24, 1997

Eggemeyer Advisory
Corp.,
San Diego, CA;
Castle Creek Capital,
L.L.C.,
San Diego, CA;
Castle Creek Capital
Partners Fund - 1, L.P.,
San Diego, CA;
and Monarch Bancorp,
Laguna Niguel, CA

California Commercial
Bankshares,
Newport Beach, CA;
National Bank of Southern
California,
Newport Beach, CA;
Venture Partners, Inc.,
Newport Beach, CA,
trust services (b)(3)(ii)

3 and 4

San Francisco

April 18, 1997

Exchange Bankshares
Corporation of Kansas,
Atchison, KS

The Farmers and Merchants
State Bank,
Effingham, KS

3

Kansas City

May 2, 1997

F&M Bancorporation,
Inc.,
Kaukana, WI;
F&M Merger
Corporation,
Kaukana, WI

Wisconsin Ban Corp.,
Prairie Du Chien, WI;
Prairie City Bank,
Prairie Du Chien, WI

3

Chicago

May 12, 1997

F&M Bancorporation,
Inc.,
Kaukana, WI;
F&M Merger
Corporation,
Kaukana, WI

Citizen’s National
Bancorporation,
Darlington, WI;
Citizen's National Bank of
Darlington,
Darlington, WI

3

Chicago

May 12, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

F.N.B. Corporation,
Hermitage, PA

Sun Bancorp, Inc.,
Selinsgrove, PA;
Sun Bank,
Selinsgrove, PA;
Pennsylvania Sun Life
Insurance Company,
Phoenix, AR, insurance

Section o f law

Reserve Bank

End o f comment period

3 and 4

Cleveland

April 10,1997

g>
x*xo
Farmers State Bank of
Fort Morgan* ESOP,
Foil Morgan, CO

FSB Bancorporation, Inc.,
Fort Morgan, CO
and Farmers State Bank,
Fort Morgan, CO

3

Kansas City

June 2,1997

Farmers State Holding
Company,
Marion, SD

First State Financial
Services, Inc.,
Bridgewater, SD, and
First State Bank,
Bridgewater, SD

3

Minneapolis

May 30, 1997

Fifth Third Bancorp,
Cincinnati, OH

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

4

Cleveland

May 27,1997

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

State Bank of Dennison,
Dennison, MN

3

Minneapolis

June 6, 1997

First Bank System, Inc.
(1),
Minneapolis, MN
CONTINUED

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

3 and 4

Minneapolis

May 16, 1997




Applicant or notificant

Acquiree or activity

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

Section of law

Reserve Bank

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

3 and 4

Minneapolis

May 16, 1997

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

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

3 and 4

Minneapolis

May 16, 1997

First Bank System, Inc.

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

3 and 4

Minneapolis

May 16, 1997

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

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

3 and 4

Minneapolis

May 16, 1997

First Bank System, Inc.,
Minneapolis, MN

First Bank of South Dakota,
Sioux Falls, SD;
First Interim Bank of
Cheyenne, FSB,
Cheyenne, WY

3

Minneapolis

May 1, 1997

First Citizens Bancorp,
Cleveland, TN

The Home Bank FSB,
Ducktown, TN, savings
association (b)(9)

4

Atlanta

April 25, 1997

(4),

Minneapolis, MN
CONTINUED




End of comment period

Applicant or notificant

Acquiree or activity

First Coastal Bancshares,
El Segundo, CA

First Coastal Bank, N.A.,
El Segundo, CA

First Commerical
Corporation,
Little Rock, AR

Reserve Bank

End o f comment period

3

San Francisco

April 11,1997

First Central Corporation,
Searcy, AR;
First National Bank,
Search, AR

3

S t Louis

April 22,1997

First Financial Bancorp,
Hamilton, OH

Southeastern Indiana
Bancorp,
Vevay, IN;
Vevay Deposit Bank,
Vevay, IN

3

Cleveland

April 14,1997

First National
Community Bancorp,
Inc.,
Dunmore, PA

First National Community
Bank,
Dunmore, PA

3

Philadelphia

May 10,1997

First National Security
Company,
DeQueen, AR

First National Bancshares
of Hempstead County, Inc.,
Hope, AR;
First National Bank of
Hope,
Hope, AR;
Bank of Blevins,
Blevins, AR;
First National Bank of
Lewisville,
Lewisville, AR

3

St. Louis

May 5, 1997

First Robinson Financial
Corporation,
Robinson, IL

First Robinson Savings
Bank, National Association,
Robinson, IL

3

S t Louis

May 19,1997

First Security
Borporation,
Salt Lake City, UT

American Bancorp of
Nevada, Inc.,
Las Vegas, NV;
American Bank of
Commerce,
Las Vegas, NV

3

San Francisco

May 27, 1997

First Security
Corporation Employee
Stock Ownership Plan,
Norcross, GA

First Security Corporation,
Norcross, GA;
First Security National
Bank,
Norcross, GA

3

Atlanta

May 12, 1997




Section o f tew

Applicant or notificant

Acquiree or activity

First Virginia Banks,
inc.,
Falls Church, VA

Premier Bankshares
Corporation, Bluefield, VA;
Premier Bank, N.A.,
Tazewell, VA; Premier
Bank-South, National
Association, Wytheville,
VA; and Premier BankCentral, N.A., Honaker,
VA; Premier Trust Co.,
Bluefield, VA,
trust services (bX3)

3 and 4

Richmond

April 7, 1997

Firstbank Corporation,
Alma, MI

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

3

Chicago

June 9, 1997

FirstFederal Financial
Services, Corp.,
Wooster, OH

Summit Bancorp, Inc.,
Akron, OH;
Summit Bank,
Arkron, OH;
Summit Banc Investment
Corporation,
Akron, OH, investment
advisory & securities
brokerage (bX6) and (7)

3 and 4

Cleveland

May 12, 1997

FirstFederal Financial
Services, Corp.,
Wooster, OH

FirstFederal Bank, N.A.,
Wooster, OH;
Mobile Consultants, Inc.,
Wooster, OH, lending
(bX1)&(bX2)

3 and 4

Cleveland

May 12, 1997

Fishback Financial
Corporation,
Brookings, SD

lending activities (bXl)

4

Minneapolis

May 16, 1997

Florida Bancshares, Inc.,
Dade City, FL

First National Bank of
Pasco,
Dade City, FL

3

Atlanta

April 21, 1997

Foffman Family, LLC,
Harrison, AR

Mountain Home
bancshares, Inc,,
Mountain Home, AR;
First national Bank & Trust
Company of Mountain
Home,
Mountain Home, AR

CIBC

St. Louis

May 2, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Ford, Thomas Riley;
Nelson, Paul Emil; and
Southway, Henry
Thomas,
Alamosa, CO

Alamosa Bancorporation
Ltd,
Alamosa, CO;
Alamosa National Bank,
Alamosa, CO

CIBC

Kansas City

May 1,1997

GBC Bancorp, Inc.,
Lawrenceville, GA

Gwinnett Banking
Company,
Lawrenceville, GA
(in organization)

3

Atlanta

April 10, 1997

Giltner Investment
Partnership, Ltd.,
Omaha, NE

The Avoca Company,
Avoca, NE;
Farmers State Bank,
Bennett, NE

3

Kansas City

May 5, 1997

Glendening, Helen,
Pella, IA,
and
DeBruin, Harold A. and
Ethel R.,
Pella, IA

Leighton Investment
Company,
Leighton, IA;
Farmers Savings Banks,
Leighton, IA

CIBC

Chicago

April 11, 1997

Greer, Elmo,
East Bemstadt, KY

Cumberland Valley
Financial Company,
London, KY

CIBC

Cleveland

May 23, 1997

Harris Financial MHC,
Harrisburg, PA

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

3

Philadelphia

March 27, 1997

Hawkins Financial
Coiporation,
Hawkins, TX;
and Hawkins Deleware
Financial Coiporation,
Wilmington, DE

The First State Bank of
Hawkins,
Hawkins, TX

3

Dallas

May 27,1997

Hendricks, Randall J . ,
Elsie, NE;
and Orr, Warren,
North Platte, NE

Elsie, Inc,
Elsie, NE;
Commercial State Bank,
Elsie, NE

CIBC

Kansas City

March 14, 1997

Hohl Financial, Inc.,
Wahoo, NE

Wahoo State Bank,
Wahoo, Nebraska

3

Kansas City

May 16,1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Imperial Bancorp,
Inglewood, CA

Imperial Bank Arizona,
Phoenix, AZ

3

San Francisco

May 1, 1997

Industrial Bank of
Japan, Ltd.,
Tokyo, Japan

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

4

New York

May 12, 1997

InvestorsBancorp, Inc.,
Pewaukee, WI

InvestorsBank,
Pewaukee, WI

3

Chicago

May 30, 1997

Kale, Denis L. and
Sandra,
Osceola, IA

Osceola Bancorporation,
Osceola, IA;
American State Bank,
Osceola, IA

CIBC

Chicago

April 16, 1997

Karge, Carl L.,
Wolf Point, MT

Western Holding Company,
Wolf Point, MT;
Western Bank of Wolf
Point,
Wolf Point, MT

CIBC

Minneapolis

May 8, 1997

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

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

CIBC

San Francisco

May 5, 1997

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

Kentucky Home Bank,
Bardstown, KY

3

San Francisco

April 17, 1997

Korea Long Term ,
Credit Bank,
Seoul, Korea

Nara Bank, National
Association,
Los Angeles, CA

3

New York

May 1, 1997

Kremlin Bancshares,
Inc.,
Kremlin, OK

Bank of Kremlin,
Kremlin, OK

3

Kansas City

April 11, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

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

CIBC

Dallas

May 2, 1997

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

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

CIBC

Dallas

May 2, 1997

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

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

CIBC

Dallas

May 2, 1997

Lashute, Ronald J.,
Opelousas, LA

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

CIBC

Atlanta

May 23, 1997

Lauritzen Corporation
( 1),
Omaha, NE
CONTINUED

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

3

Kansas City

June 2,1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Lauritzen Corporation
(2),
Omaha, NE
CONTINUED

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

3

Kansas City

June 2, 1997

Liberty Bank
Employee Stock
Ownership Plan,
New Orleans, LA

Liberty Financial Services,
Inc.,
New Oreleans, LA;
Liberty Bank and Trust
Company,
New Orleans, LA

CIBC

Atlanta

April 8, 1997

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

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

4

New York

March 26, 1997

Mahurin, Dixi*
Bowling Green, KY;
Mahurin, Peter and
Dixie,
Bowling Green, KY,
acting in concert

First Cecilian Bancorp, Inc.,
Cecilia, KY,
Cecilian Bank,
Cecilia, KY

CIBC

St. Louis

April 30, 1997

Marshall & Ilsey
Corporation,
Milwaukee, WI

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

3

Chicago

May 5, 1997

MASSBANKCorp.,
Reading, MA

Glendale Co-operative
Bank Bank,
Everett, MA

3

Boston

May 23, 1997

MAXLOU Bancshares,
Inc.,
Tahlequah, OK

First State Bank,
Tahlequah, OK;
Liberty Finance, Inc.,
Tahlequah, OK, lending
(b)(1)

3 and 4

Kansas City

April 11, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notiflcant

Acquiree or activity

McConnell, Richard J . ,
Franklin, IN

FSB Financial Corporation,
Francisco, IN;
FSB Bank,
Francisco, IN

CIBC

St. Louis

March 21, 1997

Medina Bankshares,
Inc.,
D'Hanis, TX, and
Medina Financial Inc.,
Carson City, NV

D'Hanis State Bank,
D. Hanis, TX

3

Dallas

April 22,1997

Mellon Bank
Corporation,
Pittsburgh, PA

1st Business Corporation,
Los Angeles, CA, and
1st Business Bank,
Los Angeles, CA

3

Cleveland

May 30, 1997

Mellon Bank
Corporation,
Pittsburgh, OH

Buck Consultants, Inc.,
New York, NY,
employee benefits
consulting (bX9X»)

4

Cleveland

May 27, 1997

Mercantile
Bancorporation Inc.,
St. Louis, MO, and
Ameribanc, Inc.,
St. Louis, MO

Roosevelt Financial Group,
Inc.,
Chesterfield, MO;
Missouri State Bank &
Trust Company,
St. Louis, MO;
Roosevelt Bank,
Chesterfield, MI, savings
association (bX9)

3 and 4

St. Louis

April 4, 1997

Mercantile
Bancorporation, Inc.,
St. Louis, MI;
Ameribanc, Inc.,
St. Louis, MI

Roosevelt Bank,
Chesterfield, MI;
Roosevelt Mortgage
Company,
Kansas City, MI, operation
of a federal savings bank
(bX9) and mortgage
banking activities (bXl)

4

St. Louis

May 8,1997

Midstate Bancorp, Inc.,
Hinton, OK

Binger Agency, Inc.,
Binger, OK;
First Community Bank.
Binger, OK

3

Kansas City

May 8,1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Montgomery, Tammy
Bolton.
Golden, MS,
as Trustee for The
Weaterford Foundation
of Red Bay, Alabama,
Inc.,
Red Bay, AL

Independent Bancshares,
Inc..
Red Bay, AL,
Bank of Red Bay,
Red Bay, AL

CIBC

Atlanta

April 28, 1997

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

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

CIBC

Kansas City

April 7, 1997

National Canton
Bancshares, Inc.,
Canton, IL

Sturm Investment, Inc.,
Denver, CO,
The Union National Bank
of Macomb,
Macomb, IL

3

Chicago

April 18, 1997

National City
Bancshares, Inc.,
Evansville, IN

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

3

St. Louis

June 6, 1997

NEB Corporation,
Fond du Lac, WI

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

3

Chicago

May 5, 1997

Northeast Kansas
Bancshares, Inc.,
Valley Falls, KS

Valley Falls Insurance, Inc.,
Valley Falls, KS,
Kendall State Bank,
Valley Falls, KS, insurance
activities (b)(8)(iii)

3 and 4

Kansas City

May 5, 1997

Norwest Corporation,
Minneapolis, MN

IMS Mortgage Company,
Cedar Rapids, IA,
residential mortgage
lending (b)(1)

4

Minneapolis

May 9, 1997

Norwest Corporation,
Minneapolis, MN

Trinty Mortgage Affiliates,
Atlanta, GA, residential
mortgage lending (b)(1)

4

Minneapolis

May 8, 1997

Norwest Corporation,
Minneapolis, MN

Ohio Executive Mortgage
Company,
Mansfield, OH, residential
mortgage lending (b)(1)

4

Minneapolis

May 8, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Norwest Corporation,
Minneapolis, MN

The First National
Bankshares, Inc.,
Tucumcari, NM;
The First National Bank of
Tucumcari,
Tucumcari, NM

3

Minneapolis

May 9, 1997

P.C.B. Bancorp, Inc.,
Largo, FL

Anchor Savings Bank,
F.S.B.,
St. Petersburg, FL, savings
association (b)(9)

4

Atlanta

May 8,1997

Parkway Bancorp, Inc.,
Harwood Heights, IL,
and Parkway
Acquisition Corporation,
Harwood Heights, IL

Jefferson Holding Corp.,
Chicago, IL;
Jefferson State Bank,
Chicago, IL

3

Chicago

April 21, 1997

PBT Bancshares, Inc.,
McPherson, KS

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

3

Kansas City

June 6, 1997

Penns Woods Bancorp,
Inc.,
Williamsport, PA

Columbia Financial
Corporation,
Bloomsburg, PA;
First Columbia Bank &
Trust Company,
Bloomsburg, PA

3

Philadelphia

April 25, 1997

Peoples Financial
Services, Inc.,
Hamtramck, MI

Peoples State Bank,
Hamtramck, MI

3

Chicago

May 23, 1997

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

Peoples Home Savings
Bank,
Beaver Falls, PA

3

Cleveland

May 1, 1997

Pierce County Bancorp,
Tacoma, WA

Pierce Commercial Bank,
Tacoma, WA

3

San Francisco

April 21,1997

Pinnacle Bancorp, Inc.,
Central City, NE

First Ogallala Investment,
Inc.,
Ogallala, NE;
First National Bank of
Ogallala,
Ogallala, NE

3

Kansas City

April 25,1997




Section of law

Reserve Bank

^

End of comment period

Applicant or notificant

Acquiree or activity

Pinnacle Bancshares,
Inc.,
Thomson, GA

McDuffie Bank & Trust,
Thomson, GA

3

Atlanta

May 5, 1997

PN Holdings, Inc.,
Ann Arbor, MI

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

3 and 4

Atlanta

April 21, 1997

Section of law

Reserve Bank

End of comment period

(bXO
Poteau Bancshares, Inc.,
Poteau, OK

First Poteau Corporation,
Poteau, OK;
Poteau State Bank,
Poteau, OK

3

Kansas City

May 17, 1997

Powell, Donald Edward,
Amarillo, TX

Tejas Bancshares, Inc.
Fritch, TX;
Fritch State Bank,
Fritch, TX

CIBC

Dallas

April 7, 1997

Premier Bancshares,
Inc.,
Atlanta, GA

Central and Southern
Holding Company,
Milledgeville, GA;
Central and Southern Bank
of Georgia,
Milledgeville, GA;
Central and Southern Bank
of North Georgia,
Greensboro, GA
savings association (b)(9)

3 and 4

Atlanta

May 12, 1997

Premier Bancshares,
Inc.,
LaGrange, TX,
and Premier Holdings Nevada, Inc.,
Carson City, NV

Citizens State Bank,
Hempstead, TX

3

Dallas

May 1, 1997




Applicant or notificant

Acquiree or activity

Regions Financial
Corporation,
Birmingham, AL

The New Iberia Bancorp,
Inc.,
New Iberia, LA;
The New Iberia Bank,
New Iberia, LA;
First Bankshares, Inc., East
Point, GA;
First Bank of Georgia, East
Point, GA;
SB&T Corporation,
Smyrna, GA; and
Smyrna Bank and Trust
Company,
Smyrna, GA

3

Atlanta

May 5, 1997

Regions Financial
Corporation,
Birmingham, AL

First Mercantile National
Bank,
Longwood, FL

3

Atlanta

April 14, 1997

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

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

CIBC

Kansas City

May 27, 1997

Republic Bancshares,
Inc.,
St. Petersburg, FL

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

4

Atlanta

May 23, 1997

Rossenberg, Clifford R.,
Sunset Beach, CA

Security First Bank,
Fullerton, CA

CIBC

San Francisco

May 27, 1997

Sankovitz Family
Limited Partnership, and
Frankson Investment
Corporation,
both of Waseca, MN

Bank of Ellendale,
Ellendale, MN

3

Minneapolis

April 28, 1997

Schonath Family
Partnership, LP,
Oconomiwoc, WI

InvestorsBancorp, Inc.,
Pewaukee, WI, and
InvestorsBank,
Pewaukee, WI

3

Chicago

May 30, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Scott, Ben Jay,
Coleman, TX

Coleman Bancshares, Inc.,
Coleman, TX;
Coleman County State
Bank,
Coleman, TX

CIBC

Dallas

April 25, 1997

Seacoast Banking
Corporation of Florida,
Stuart, FL

Port St. Lucie National
Bank Holding Corporation,
Port St. Lucie, FL;
Port St. Lucie National
Bank,
Port St. Lucie, FL;
Spirit Mortgage Company,
Port St. Lucie, FL, lending
(b)(l)(iii)

3 and 4

Atlanta

April 24, 1997

Security State
Corporation,
Centralia, WA

Security State Bank,
Centralia, WA

3

San Francisco

June 9, 1997

Shorebank Corporation,
Chicago, IL

Shorebank Pacific Corp.,
Ilwaco, WA;
ShoreTrust Bank,
Seattle, WA
ShoreTrust Trading Group,
Inc., investment advice
(b)(6)

3

Chicago

May 17, 1997

South Branch Valley
Bancorp, Inc.,
Moorefield, WV

Capital State Bank, Inc.,
Charleston, WV

3

Richmond

May 23, 1997

Southeast Bancorp, Inc.,
Corbin, KY

First Bank of East
Tennessee, National
Association,
La Foilette, TN

3

Cleveland

April 4, 1997

Southerland Family
Limited Partnership,
Batesville, AR

Citizens Bancshares of
Batesville, Inc.,
Batesville, AR

CIBC

St. Louis

May 15, 1997

Southern National
Corporation,
Winstom-Salein, NC

United Carolina Bancshares
Corporation,
Whfceville, NC;
United Carolina Bank,
WhateviHe, NC;
United Carolina Bank o f
South Carolina,
Greer, SC

3

Richmond

March 31,1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Southern Security
Financial Corporation,
Hollywood, FL

Southern Security Bank
Corporation,
Hollywood, FL;
Southern Security Bank of
Hollywood,
Hollywood, FL

3

Atlanta

April 10, 1997

Spangler, Charles Leon,
Aurora, MO

Seligman Bancshares, Inc.,
Seligman, MO;
First Independent Bank,
Seligman, MO

CIBC

St. Louis

May 15, 1997

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

Arizona Community Bank
of Scottsdale,
Scottsdale, AZ

3

Minneapolis

June 6, 1997

Stichting Prioriteit (1)
ABN AMRO Holding,
Amsterdam, The
Netherlands; Stichting
Administratiekantoor
ABN AMRO Holding,
Amsterdam, The
Netherlands; ABN
AMRO Holding N.V.,
Amsterdam, The
Netherlands; and ABN
AMRO Bank, N.V.,
Amsterdam,
CONTINUED

Citicorp Futures Corp.,
New York, NY; Citifutures
Ltd., London, England; &
Citicorp Futures Ltd.,
Singapore,
acting as FCM (b)(17);
investment advice (b)(18);
acting as FCM in the
execution & clearance of
futures & options on futures
contracts; CONTINUED

4

Chicago

March 17, 1997

Stichting Prioriteit (2),
The Netherlands

and providing executiononly or cleaing-only
services with respect to
financial and non-fianncial
futures and options on
futures contracts

4

Chicago

March 17, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Summit Bancorp,
Princeton, NJ

Collective Bancorp, Inc.,
Egg Harbor, NJ;
Collective Bank,
Egg Harbor, NJ, operating a
federal savings bank
(b)(4)(h)
Collective Financial
Services, Inc., securities
brokerage & insurance
agency activities (b)(7)(l)
and (b)(l l)(iii)

4

New York

May 23, 1997

Susquehana Bancshares,
Inc.,
Lititz, PA

Founders Bank,
Bryn Mawr, PA

3

Philadelphia

May 19, 1997

TCF Financial
Corporation,
Minneapolis, MN

Winthrop Resources
Corporation,
Minnetonka, MN, leasing
personal property (b)(3)

4

Minneapolis

May 27, 1997

Tehama Bancorp,
Red Bluff, CA

Tehema Bank,
Red Bluff, CA

3

San Francisco

May 12, 1997

Tehama Bancorp,
Red Bluff, CA

Bancorp Financial Services,
Sacramento, CA, leasing
activities (b)(5)

4

San Francisco

May 5, 1997

Texas Financial
Bancorporation, Inc.,
Minneaplis, MN,
and Delaware Financial
Bancorporation, Inc.,
Wilmington, DE

Austin County Bancshares,
Inc.,
Belleville, TX;
Austin County BancsharesDelaware,
Wilmington, DE;
and Austin County State
Bank,
Belleville, TX

3

Dallas

March 27, 1997

Trustcorp Financial, Inc.,
St. Louis, MO

Missouri State Bank and
Trust Company,
St. Louis, MO

3

St. Louis

June 2, 1997

Union Illinois 1995
Investment Limited
Partnership,
Swansea, IL

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

3

St. Louis

May 10, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Union Illinois Company,
Swansea, IL

Missouri PayDay Loan
Company, Inc.,
St. Louis, MO;
Missouri Budget, Inc.,
St. Louis, MO, and
Budget Finance, Inc.,
St. Louis, MO, consumer
credit (b)(1)

4

St. Louis

May 19, 1997

United Community
Banks, Inc.,
Blairsville, GA

United Family Finance Co.,
Blairsville, GA, credit
insurance activities (b)(8)(ii)

4

Atlanta

April 25, 1997

United Community
Banks, Inc.,
Blairsville, GA

United Family Finance Co.,
Blue Ridge, GA (formerly
Mountain Mortgage &
Loan, Inc.),
making, acquiring, or
servicing loans or other
extensions of credit (b)(1)

4

Atlanta

March 25, 1997

Vermont Financial
Services Corp.,
Brattleboro, VT

Eastern Bancorp, Inc.,
Dover, NH
savings association,
Vermont Federal Bank,
FSB,
Williston, VT, (b)(9)

4

Boston

April 14, 1997

West Point Bancorp,
Inc.,
West Point, NE

Dakota Bancshares, Inc.,
West Point, NE;
Dakota County State Bank,
West Point, NE

J

Kansas City

April 18, 1997

Whipple Family Limited
Partnership,
Arkadelphia, AR

Horizon Bancorp, Inc.,
Arkadelphia AR;
Horizon Bank, Inc.
Malvern, AR

3

St. Louis

May 27, 1997

Young, William
Howerton,
Fredonia, KY

Fredonia Valley Bancorp,
Inc.,
Fredonia, KY
and Fredonia Valley Bank,
Fredonia, KY

CIBC

St. Louis

May 23, 1997

Zions Bancorporation,
Salt Lake City, UT

Tri-State Bank,
Montpelier, ID

3

San Francisco

June 6, 1997




Section of law

Reserve Bank

End of comment period

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

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




Information Requests
The public portions of the applications and notices currently listed in this release are available on an
expedited basis from the appropriate Federal Reserve Bank. The public portion of the application also
may be obtained from the Board.
Federal Reserve Bank of Boston
Jonathan Fine (TEL: 617-973-3339; FAX: 617-973-3219)
Federal Reserve Bank of New York
Margaret Carmody (TEL: 212-720-7924; FAX: 212-720 -6628)
Federal Reserve Bank of Philadelphia
Rosanna Crosier (TEL: 215-574-6581; FAX: 215-574-4146)
Federal Reserve Bank of Cleveland
Jim Terlop (TEL: 216-579-2197; FAX: 216-579-2932)
Federal Reserve Bank of Richmond
Gaile Clark (TEL: 804-697-8825; FAX: 804-697-8283)
Federal Reserve Bank of Atlanta
Wayne Smith (TEL: 404-589-7265; FAX: 404-589-7342)
Federal Reserve Bank of Chicago
Frank Skweres (TEL: 312-322-4785; FAX: 312-322-5894)
Federal Reserve Bank of St. Louis
Cathie Windsor (TEL: 314-444-4638; FAX: 314-444-8740)
Federal Reserve Bank of Minneapolis
Paula Charles (TEL: 612-372-2982; FAX: 612-344-2702)
Federal Reserve Bank of Kansas City
Patty Biesemeyer (TEL: 816-881-2464; FAX: 816-881-2252)
Federal Reserve Bank of Dallas
Rob Jolley (TEL: 214-922-6071; FAX: 214-922-6302)
Federal Reserve Bank of San Francisco
Michael Johnson (TEL: 415-974-2995; FAX: 415-974-3031)
Board of Governors of the Federal Reserve System
Freedom of Information Office (TEL: 202-452-3684; FAX: 202-872-7562, and 202-872-7565)




H .2 A

Notice of Formations and Mergers of, and Acquisitions by, Bank Holding
Companies; Change in Bank Control
Notices Filed since the H.2A dated May 9,1997
The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act of
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j)), Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board of Governors, no
later than the end of the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end of this release.
The public portions of the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;
addresses are listed at the end of this release. Applications and notices also may be obtained from the
Board.
Section of law

Reserve Bank

Applicant or notificant

Acquiree or activity

1st United Bancorp,
Boca Raton, FL

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

4

Atlanta

June 12, 1997

Commercial Guaranty
Bancshares, Inc.,
Shawnee Mission, KS

CGB Capital Corporation,
Shawnee Mission, KS,
private placement of
securities (b)(7)(iii)

4

Kansas City

June 3, 1997

Crites, John William,
Petersburg, WV

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

CIBC

Richmond

June 3, 1997




End of comment period

Applicant or notificant

Acquiree or activity

Danny Biggs; Merlin &
Nelva Grimes; ED&J,
Inc.; Ronald & Carol
Carr; Steven J. Sell;
Richard Schenk; Dennis
Call; and R. Joe
Southard, Great Bend,
Kansas

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

Eagle Investment
Company, Inc.,
Glenwood, MN

Reserve Bank

End of comment period

CIBC

Kansas City

May 30, 1996

Eagle Bank,
Glenwood, MN

3

Minneapolis

June 13, 1997

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

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

3

Dallas

June 12, 1997

FBA Bancorp, Inc.,
Chicago, IL

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

3

Chicago

June 12, 1997

First Citizens
BancShares, Inc.,
Raleigh, NC

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

3

Richmond

June 13,1997

Gold Banc Corporation,
Inc.,
Prairie Village, KS

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

3

Kansas City

June 13, 1997

Guaranty Bancshares
Corporation,
Kansas City, KS

Bank of Coffey,
Coffey, MO

3

Kansas City

June 4, 1997

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

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

CIBC

Atlanta

June 2, 1997




Section of law

Applicant or notificant

Acquiree or activity

Mansfield Bancshares,
Inc.,
Mansfield, LA

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

3

Dallas

June 12, 1997

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

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

CIBC

Atlanta

June 2, 1997

Peoples Bank
Employee Stock
Ownership Trust,
Marion, KY

Peoples-Marion Bancorp,
Inc.,
Marion, KY

3

St. Louis

June 12, 1997

Peoples-Marion
Bancorp, Inc.,
Marion, KY

The Peoples Bank,
Marion, KY

3

St. Louis

June 12, 1997

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

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

CIBC

Atlanta

May 30,1997




Section of law

Reserve Bank

End of comment period

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

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



Information Requests
The public portions of the applications and notices currently listed in this release are available on an
expedited basis from the appropriate Federal Reserve Bank. The public portion of the application also
may be obtained from the Board.
Federal Reserve Bank of Boston
Jonathan Fine (TEL: 617-973-3339; FAX: 617-973-3219)
Federal Reserve Bank of New York
Margaret Carmody (TEL: 212-720-7924; FAX: 212-720 -6628)
Federal Reserve Bank of Philadelphia
Rosanna Crosier (TEL: 215-574-6581; FAX: 215-574-4146)
Federal Reserve Bank of Cleveland
Jim Terlop (TEL: 216-579-2197; FAX: 216-579-2932)
Federal Reserve Bank of Richmond
Gaile Clark (TEL: 804-697-8825; FAX: 804-697-8283)
Federal Reserve Bank of Atlanta
Wayne Smith (TEL: 404-589-7265; FAX: 404-589-7342)
Federal Reserve Bank of Chicago
Frank Skweres (TEL: 312-322-4785; FAX: 312-322-5894)
Federal Reserve Bank of St. Louis
Cathie Windsor (TEL: 314-444-4638; FAX: 314-444-8740)
Federal Reserve Bank of Minneapolis
Paula Charles (TEL: 612-372-2982; FAX: 612-344-2702)
Federal Reserve Bank of Kansas City
Patty Biesemeyer (TEL: 816-881-2464; FAX: 816-881-2252)
Federal Reserve Bank of Dallas
Rob Jolley (TEL: 214-922-6071; FAX: 214-922-6302)
Federal Reserve Bank of San Francisco
Michael Johnson (TEL: 415-974-2995; FAX: 415-974-3031)
Board of Governors of the Federal Reserve System
Freedom of Information Office (TEL: 202-452-3684; FAX: 202-872-7562, and 202-872-7565)