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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H.2, 1996, NO. 19
R£SEAF&?t»WaY°f the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
j^ucin<0 |£€j^Wggk Ending May 11, 1996

ACTIONS TAKEN BY THE BOARD OF GOVERNORS
_____________________________________ r<u>w *

♦»«
*»»

*
*

____________________________

------------ OF CLIv .£ L KD
'.a
BANK HOLDING COMPANIES
Mitsubishi Bank, Limited, Tokyo, Japan -- request for
reconsideration of Board1s approval of applications
and notices to acquire the U.S. subsidiary banks,
nonbanking subsidiaries, and banking offices of The
Bank of Tokyo, Ltd., Tokyo, Japan.
Denied, May 7, 1996.
Norwest Corporation, Minneapolis, Minnesota -- to
acquire The Prudential Home Mortgage Company, Inc.,
Clayton, Missouri.
Approved, May 6, 1996.
REGULATIONS AND POLICIES
Regulation K -- final amendments concerning the
interstate operations of foreign banking
organizations (Docket R-0911).
Approved, May 7, 1996.

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
San Francisco

Bank of Coronado, Coronado, California -- to
establish an automated teller machine facility at
505 Grand Caribe Isle.
Approved, May 10, 1996.

Richmond

Bank of the Commonwealth, Norfolk, Virginia -- to
establish a branch at 1870 Kempersville Road,
Virginia Beach, Virginia.
Approved, May 6, 1996.




H.2
MAY 6, 1996
PAGE 2

TO

MAY 10, 1996

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

BANK BRANCHES. DOMESTIC




New York

Chemical Bank, New York, New York -- to establish an
offsite electronic facility at Rose Associates,
Inc., 5 East 22nd Street.
Approved, May 10, 1996.

Chicago

Evergreen State Bank, Poy Sippi, Wisconsin -- to
establish a branch at 764 Green Tree Mall,
Broadway, Berlin, Wisconsin.
Approved, May 6, 1996.

Richmond

Fairfax Bank & Trust Company, Fairfax, Virginia -- to
establish a branch at 6257A Old Dominion Drive,
McLean, Virginia.
Approved, May 6, 1996.

Richmond

Hanover Bank, Mechanicsville, Virginia -- to
establish a branch at the intersection of Sliding
Hill Road and Totopotomy Trail.
Approved, May 10, 1996.

St. Louis

Heber Springs State Bank, Heber Springs, Arkansas -to establish a branch in the County Store, at the
intersection of Highways 92 and 25, Drasco,
Arkansas.
Approved, May 7, 1996.

Chicago

Midwest Guaranty Bank, Troy, Michigan -- to establish
a branch at 4140 West Maple Road, Bloomfield
Township, Michigan.
Approved, May 6, 1996.

Chicago

NBD Bank, Detroit, Michigan - - t o establish a branch
at 24800 Hoover, Warren, Michigan.
Approved, May 10, 1996.

Kansas City

Peoples Bank, Pratt, Kansas -- to establish a branch
at 1107 North Kansas Street, Liberal, Kansas.
Approved, May 7, 1996.

Richmond

Virginia Heartland Bank, Fredericksburg, Virginia -to establish a branch at 1018 Charles Street.
Approved, May 8, 1996.

H.2
M A Y 6, 1996
PAGE 3

TO

M A Y 10,

1996

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

BANK BRANCHES, DOMESTIC
Cleveland

Wesbanco Bank Barnesville, Barnesville Ohio -- to
establish a branch at Mall Road, St. Clairesville,
Ohio.
Approved, May 10, 1996.

BANK HOLDING COMPANIES




Dallas

Duncanville Bancshares, Inc., Duncanville, Texas -to acquire Duncanville National Bank.
Approved, May 8, 1996.

Atlanta

First Citizens Bancorp, Cleveland, Tennessee -- to
acquire The Home Bank of Tennessee, Maryville,
Tennessee.
Approved, May 6, 1996.

Richmond

First Frederick Financial Corporation, Frederick,
Maryland - - t o acquire First Bank of Frederick.
Approved, May 10, 1996.

GC

First National Bank of Atlanta, Wilmington,
Delaware -- request for exemption from section 106
of the Bank Holding Company Act in order to offer
credit card secured by deposits at any affiliated
bank.
Granted, May 7, 1996.

Chicago

Hartwick Bancshares, Inc., Hartwick, Iowa -notification of intent to purchase overlines from
Harwick State Bank.
Permitted, May 9, 1996.

Director, BS&R

Hawkeye Bancorporation, Des Moines, Iowa -registration statement.
Withdrawn, May 9, 1996.

Minneapolis

Higgins Bancorporation, Inc., Rosemount, Minnesota to acquire The First State Bank of Rosemount.
Approved, May 8, 1996.

Dallas

Highland Lakes Delaware Corporation, Dover,
Delaware -- request for waiver of application to
acquire Highland Lakes Bank, Kingsland, Texas.
Granted, May 6, 1996.

H.2
MAY 6, 1996
PAGE 4

TO

MAY 10, 1996

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

BANK HOLDING COMPANIES




Chicago

Hills Bancorporation, Hills, Iowa -- to acquire Hills
Bank, Kalona, Iowa.
Returned, May 9, 1996.

Chicago

Independent Bank Corporation, Ionia, Michigan - - t o
acquire North Bank Corporation, Hale, Michigan, and
North Bank.
Approved, May 8, 1996.

Cleveland

KeyCorp, Cleveland, Ohio -- to acquire Key Trust
Company of Florida, Naples, Florida.
Approved, May 9, 1996.

Chicago

Main Street Bancorp, Inc., Princeville, Illinois -to acquire Princeville State Bank.
Approved, May 9, 1996.

Dallas

Marlin Holding, Ltd., Marlin, Texas -- to acquire
Central Financial Bancorp, Inc., Lorena, Texas,
Central Delaware Financial Bancorp, Dover,
Delaware, Lorena State Bank, Lorena, Texas, and
Bank of Troy, Troy, Texas.
Approved, May 9, 1996.

Dallas

Minor Financial, L.L.C., Marlin, Texas -- to acquire
one percent of Marlin Holding, Ltd., Marlin, Texas,
and, indirectly, Central Financial Bancorp, Inc.,
Lorena, Texas, Central Delaware Financial Bancorp,
Dover, Delaware, Lorena State Bank, Lorena, Texas,
and Bank of Troy, Troy, Texas.
Approved, May 9, 1996.

Dallas

Perryton Bancshares, Inc., Perryton, Texas -- to
acquire Perryton National Bank.
Returned, May 6, 1996.

Director, BS&R

QNB Corp., Quakertown, Pennsylvania -- registration
statement.
Withdrawn, May 9, 1996.

Boston

SIS Bancorp, Inc., Springfield, Massachusetts -notification of intention to acquire Springfield
Institution For Savings.
Granted, May 8, 1996.

H .2
MAY 6, 1996
PAGE 5

TO

MAY 10, 1996

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

BANK HOLDING COMPANIES
Chicago

Suburban Illinois Bancorp, Inc., Elmhurst, Illinois
request for waiver of application to acquire First
Security Bank of Wood Dale, Wood Dale, Illinois.
Returned, May 6, 1996.

Minneapolis

Zumbrota Agency, Inc., Zumbrota, Minnesota -- to
engage in lending activities.
Permitted, May 9, 1996.

BANK PREMISES
Kansas City

Gunnison Bank and Trust Company, Gunnison, Colorado - investment in bank premises.
Approved, May 7, 1996.

BANKS. NATIONAL
Director, BS&R

Peoples National Bank, Danville, Virginia -registration statement.
Withdrawn, May 9, 1996.

BANKS. STATE MEMBER
Director, BS&R

Bank of America Illinois, San Francisco, California - registration statement.
Withdrawn, May 9, 1996.

CAPITAL STOCK
San Francisco

American Pacific State Bank, Sherman Oaks, California
-- redemption of shares.
Approved, May 10, 1996.

CHANGE IN BANK CONTROL




Kansas City

Bankers Capital Corporation, Lusk, Wyoming -- change
in bank control.
Permitted, May 7, 1996.

Dallas

First Grayson Bancshares, Inc. Employee Stock
Ownership Plan, Whitesboro, Texas -- change in bank
control.
Permitted, May 8, 1996.

H. 2

MAY 6, 1996
PAGE 6

TO

MAY 10, 1996

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

CHANGE IN BANK CONTROL
Chicago

Northern Bankshares, Inc., McFarland, Wisconsin -change in bank control.
Permitted, May 9, 1996.

Dallas

Prosperity Bancshares, Inc., El Campo, Texas -change in bank control.
Permitted, May 9, 1996.

Kansas City

SCB Financial Corporation, Smith Center, Kansas-change in bank control.
Permitted, May 9, 1996.

COMPETITIVE FACTORS REPORTS




St. Louis

Bank of Crockett, Bells, Tennessee, proposed purchase
of certain assets and assumption of certain
liabilities of the Alamo, branch of Farmers &
Merchants Bank, Adamsville, Tennessee -- report on
competitive factors.
Submitted, May 6, 1996.

St. Louis

Centralia Savings Bank, Centralia, Illinois, proposed
purchase of assets and assumption of liabilities of
the Carlyle, branch of Kankakee Federal Savings
Bank, Kankakee, Illinois -- report on competitive
factors.
Submitted, May 8, 1996.

San Francisco

First Interstate Bank Card, N.A., Phoenix, Arizona,
proposed merger with The Wells Fargo Bank
(Arizona), N.A. -- report on competitive factors.
Submitted, May 6, 1996.

San Francisco

First Interstate Bank of Englewood, N.A., Englewood,
Colorado, proposed merger with Interstate Bank of
Denver, N.A., Denver, Colorado -- report on
competitive factors.
Submitted, May 6, 1996.

Atlanta

First National Bank, St. Marys, Georgia, proposed
merger with First National Interim Bank -- report
on competitive factors.
Submitted, May 6, 1996.

H.2
MAY 6, 1996
PAGE 7

TO

MAY 10, 1996

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

COMPETITIVE FACTORS REPORTS




Atlanta

First National Bank, St. Marys, Georgia, proposed
merger with First National Interim Bank -- report
on competitive factors.
Submitted, May 6, 1996.

Chicago

First Security Bank of Wood Dale, Wood Dale,
Illinois, proposed merger with Suburban Bank &
Trust Company, Elmhurst, Illinois -- report on
competitive factors.
Submitted, May 6, 1996.

Dallas

First State Bank of Canadian, Canadian, Texas,
proposed merger with Boatmen’s First National Bank
of Amarillo, Amarillo, Texas -- report on
competitive factors.
Submitted, May 8, 1996.

Dallas

First Texas Bank, Vidor, Texas, proposed merger with
the OrangeBank, Orange, Texas -- report on
competitive factors.
Submitted, May 6, 1996.

Richmond

First-Citizens Bank and Trust Company of South
Carolina, Columbia, South Carolina, proposed
purchase of certain assets and assumption of
certain liabilities of the Bennettsville, branch of
First Union National Bank of South Carolina,
Greenville, South Carolina -- report on competitive
factors.
Submitted, May 8, 1996.

San Francisco

Hemet Federal Savings and Loan Association, Hemet,
California, proposed acquisition of the assets and
assumption of the liabilities of the Hawthorne
Savings, F.S.B., El Segundo, California -- report
on competitive factors.
Submitted, May 9, 1996.

St. Louis

Illinois Community Bancorp, Inc., Effingham,
Illinois, proposed acquisition of the assets and
assumption of the liabilities of Guarantee Savings
Bank, F.S.B. -- report on competitive factors.
Submitted, May 10, 1996.

H.2
MAY 6, 1996
PAGE 8

TO

MAY 10, 1996

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

COMPETITIVE FACTORS REPORTS




San Francisco

Islanders Bank, Friday Harbor, Washington, proposed
merger with the Lopez, Washington, branch of Key
Bank of Washington -- report on competitive
factors.
Submitted, May 6, 1996.

St. Louis

Mercantile Bank of Doniphan, Doniphan, Missouri,
proposed merger with Mercantile Bank of Cape
Girardeau, Cape Girardeau; Mercantile Bank of The
Mineral Area, Farmington; Mercantile Bank of
Perryville; Perryville; Mercantile Bank of Poplar
Bluff, Poplar Bluff; Mercantile Bank of Ste.
Genevieve, Ste. Genevieve; Mercantile Bank of
Sikeston, Sikeston; and Mercantile Bank of
Stoddard/Bollinger Counties, Dexter, Missouri -report on competitive factors.
Submitted, May 9, 1996.

San Francisco

MetroBank, Los Angeles, California, proposed merger
with Comerica Bank-California, San Jose, California
-- report on competitive factors.
Submitted, May 9, 1996.

Kansas City

Mountain Parks Bank - East, Evergreen, Colorado,
proposed merger with Charter Bank and Trust -report on competitive factors.
Submitted, May 9, 1996.

Dallas

New Canyon Creek Bank, Richardson, Texas, proposed
merger with Canyon Creek National Bank -- report on
competitive factors.
Submitted, May 6, 1996.

Chicago

Seaway National Bank of Chicago, Chicago, Illinois,
proposed purchase of certain assets and assumption
of certain liabilities of the University Park,
branch of Bridgeview Bank & Trust Company,
Bridgewater, Illinois.
Submitted, May 7, 1996.

H.2
MAY 6, 1996
PAGE 9

TO

MAY 10, 1996

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

COMPETITIVE FACTORS REPORTS
Dallas

Southwest Bank, Fort Worth, Texas, proposed
acquisition of the assets and assumption of the
liabilities of the Burleson branch at 551 S.W.
Wilshire, of Bank One, Texas, National Association
Dallas, Texas -- report on competitive factors.
Submitted, May 6, 1996.

San Francisco

Town and Country Finance and Thrift Company, Turlock
California, proposed merger with T and C Merger
Thrift Company, Merced, California -- report on
competitive factors.
Submitted, May 6, 1996.

EXTENSIONS OF TIME
Kansas City

First National Bancshares, Inc., Oklahoma City,
Oklahoma -- extension to August 21, 1996, to
acquire First National Bank of Edmond, Edmond,
Oklahoma.
Granted, May 6, 1996.

St. Louis

Union Planters Corporation, Memphis, Tennessee -extension to August 2, 1996, to engage in the
operation of a thrift association through the
acquisition of Valley Federal Savings Bank,
Sheffield, Alabama.
Granted, May 7, 1996.

St. Louis

Eagle Bank & Trust Company, Little Rock, Arkansas -to become a member of the Federal Reserve System
and to retain branches at current locations.
Approved, May 9, 1996.

St. Louis

Pulaski Bank & Trust Company, Little Rock, Arkansas
- to become a member of the Federal Reserve System
and to retain its branches at their current
locations.
Approved, May 6, 1996.

MEMBERSHIP




H.2
MAY 6, 1996
PAGE 10

TO

MAY 10, 1996

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

RESERVE BANK OPERATIONS
Director, FRBO

Federal Reserve Bank of Richmond -- to acquire
commercial check image archive and retrieval
systems for the Charlotte and Richmond offices.
Approved, May 9, 1996.

RESERVE BANK SERVICES




Director, FRBO

Federal Reserve Bank of New York - - t o offer imageenhanced electronic check services at the East
Rutherford Operations Center and Utica'office.
Approved, May 7, 1996.

H. 2
M A Y 6, 1996
P A G E 11

A D D I T I O N S AND C O R R E C T I O N S
TO

M A Y 10, 1996

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

BANK BRANCHES, DOMESTIC




Cleveland

Fifth Third Bank of Northeastern Ohio, Cleveland,
Ohio -- notification of intent to establish a
branch at 600 South Avenue, Tallmadge, and
Routes 91 and 43, Solon, Ohio.
Permitted, May 3, 1996.

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

Comment Period Ending Date
NONE

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

Rating**

NONE

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




"N" - Needs to

FEDERAL RESERVE BANK OF NEW YORK
C om m ent Period
E nding Date

SECTION T
A pplications Subject to N ewspaper
________Notice Only________
Manufacturers and Traders Trust Company, Buffalo, New York,
to establish a branch at 5000 Campuswood Dr., Pioneer Business
Park, Dewitt, New York. V

06/03/96

Manufacturers and Traders Trust Company, Buffalo, New York,
to establish branches in ShopRite supermarkets at 801 Miron,
Lane, Town o f Ulster, New York and 99 Hawkins Drive, Town
of Montgomery, New York. 1/

06/10/96

SECTION IT
Applications Subject to Both
Newspaper and Federal Register Notice
None.
SECTION III
N onbanking Applications
(subject to Federal Register Notice Only cont.l
Community Bank Systems, Dewitt, New York, to acquire Mayer
Management Co., Inc., Utica, New York, and thereby to engage
in providing employee benefits consulting services and limited
actuarial services.

SECTION IV
Applications Not Involving
Public Comment
None.




05/29/96

SECTION V
Availability of CRA Public Evaluations
In connection with the assessment of each insured depository institution's
CRA performance, a rating is assigned from the following group:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and
is a leader in, ascertaining and helping to meet the credit
needs 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
of 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 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 eek Ending M ay 11. 1996
NAME O F BANK

RATING

EXAM INATION DATE

None.
1/ Subject to provisions of Community Reinvestment Act.
2/ Later o f dates specified in newspaper and Federal Register notices.
3/ Date specified in newspaper notice; a later date may be specified in
the Federal Register notice.
4/ Date specified in Federal Register notice; a later date may be
specified in the newspaper notice.
N/A - Not Available




FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - A PPLICATIONS RECEIVED AND SU B JEC T TO NEW SPAPER
NOTICE ONLY
NONE
SECTION n - APPLICA TIO N S RECEIVED AND SU BJECT TO BOTH NEW SPAPER
AND FEDERAL R EG ISTER N O TICE
NONE
SECTION III - A PPLICATIONS RECEIVED AND SU BJECT TO FEDERAL
REG ISTER NOTICE ONLY
CoreStates Financial Corn, Philadelphia, PA to issue alternate media such as concert tickets,
gift certificate and prepaid phone cards, pursuant to Section 4(c)(8) of the Bank Holding
Com pany Act.
Federal Register comment period expires:

N/Avail.

SECTION IV - APPLICATIONS RECEIVED AND NOT SU B JEC T T O FEDERAL
R EG ISTER NOTICE O R NEW SPAPER
H eritage B ancorp. Inc., Pottsville, PA to be relieved of certain passivity com m itm ents m ade
in connection with its investment in East Penn Bank.




FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION V - AVAILABILITY O F 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 10, 1996
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a rating
is assigned from the following groups.
O utstanding 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 of 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 of 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 of 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/Location

Examination Date

CRA Rating

NONE

NONE

NONE




F ed er a l R eserv e B a n k
of C leveland
P. O. BOX 6387
CLEVELAND, OHIO 44101-1387

APPLICATIONS BULLETIN
(For the week ending M ay 4, 1996)
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
Received notice from Hocking Valley Bank, Athens, Ohio, on
May 8, 1995, of its intent to establish branches at 5615 Washington
Road, Albany, Ohio, and 235 Columbus Road, Athens, Ohio.

* M ay 24, 1996

SECTION n - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL
REGISTER NOTICE
NONE
SECTION m - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
Received Section 4(c)(8) application from Banc One Corporation,
F: Not Yet Known
Columbus, Ohio; KeyCorp, Cleveland, Ohio; National City Coiporation,
Cleveland, Ohio; PNC Bank Corp, Pittsburgh, Pennsylvania; and CoreStates
Financial Corp, Philadelphia, Pennsylvania, on May 1, 1996, to
expand data processing services through Electronic Payment Services, Inc.
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
NONE

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



AVAILABILITY O F CRA PUBLIC EVALUATIONS
(May 10, 1996)

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 10, 1996.
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 o f 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 IM PR O V E: a bank 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 NON CO M PLIA N CE: 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




F e d e r a l R e s e r v e B a n k of R i c h m o n d

Section I - Applications Subject to Newspaper
Notice Only
Application

Comment Period Ending Date

Southern Financial Bank, Warrenton,
Virginia, to establish a branch at
1095 Millwood Pike, Winchester, Virginia.*

6-7-96

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.




F e d e r a l R e s e r v e B a n k of R i c h m o n d

Section V - Availability of CRA Public Evaluations
Week ending May 10, 1996

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

First Virginia Bank-Central Maryland
37 South Main Street
Bel Air, Maryland 21014-3760




2-5-96

Rating

Satisfactory

F e d e r a l R e se rv e Bank o f A t l a n t a
A p p l i c a t i o n s B u l l e t i n f o r Week E n d in g May 10,

1996

Section 1 - Applications Subject to Newspaper Notice Only
Appl icat ion

Comment Period Ending Date

SunTrust Bank, Gulf Coast
Sarasota, Florida
To establish a branch located at 5899 Whitfield Avenue,
Florida.

05-30-96*
Suite 100, Sarasota,

SunTrust Bank, North Central Florida
06-02-96*
Ocala, Florida
To establish a branch located at 5303 S.W. 91st Drive, Gainesville, Florida, to
be known as the Haile Plantation Office.
First Newton Bank
06-03-96*
Covington, Georgia
To establish a branch located at 1143 West Avenue, Conyers, Georgia, to be known
as the West Avenue Branch.
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period"Ending Date

TIB Financial Corp.
Not yet available*
Key Largo, Florida
1-BHC formation, TIB Bank of the Keys, Key Largo, Florida.
First Commerce Bancorp, Inc.
Not yet available*
Commerce, Georgia
After-the-fact notification by Mr. Lamartine G. Hardman, III, to retain,
.6 percent of the outstanding shares of First Commerce Bancorp, Inc., Commerce,
Georgia.
The acquisition increased Mr. Hardman's
total ownership to
16.6 percent.
Gulf Coast Holding Company
Not yet available*
New Orleans, Louisiana
1-BHC formation, Gulf Coast Bank & Trust Company, New Orleans, Louisiana.
Section 3 - Applications Subject to Federal Register Only
Application

Comment Period Ending Date

Synovus Financial Corp.
Not yet available
Columbus, Georgia
After-the-fact notification, along with its parent company, TB&C Bancshares,
Inc., Columbus, Georgia, to retain Canterbury Trust Company, Birmingham, Alabama,
and thereby continue engaging in trust services, pursuant to Section 4(c) (8) of
the Bank Holding Company Act and Section 225.25(b)(3) of Regulation Y.

*Subject to provisions of the Community Reinvestment Act.




F e d e r a l R e se rv e Bank o f A t l a n t a
A p p l i c a t i o n s B u l l e t i n f o r Week E n d in g Mav 10,

1996

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Commercial Bank
Harrogate, Tennessee
To become a member of the Federal Reserve System, pursuant to Section 9 of the
Federal Reserve Act and Section 208.4 of Regulation H.




F e d e r a l R e se rv e Bank o f A t l a n t a
A p p l i c a t i o n s B u l l e t i n f o r Week E n d in g May 10,

1996

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 moderateincome 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

The Peoples Bank and
Trust Company
Post Office Box 799
Selma, Alabama 3 6702
(334)875-1000

Outstanding




Examination
Date
01-29-96

F e d e r a l R e s e r v e Bank o f A t l a n t a
A p p l i c a t i o n s B u l l e t i n f o r Week E n d in g Mav 10,

Recently Approved Applications

1996

Approval Date

First Citizens Bancorp
05-06-96
Cleveland, Tennessee
To acquire The Home Bank of Tennessee, Maryville, Tennessee (in organization) ,
pursuant to Section 3(a) (3; of the Bank Holding Company Act.




F E D E R A L R E S E R V E B A N K O F M IN N E A P O L IS

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
Duke Financial Group, Inc., St. Paul,
Minnesota, for prior approval to acquire
65% of the voting shares of the Inland
Empire National Bank, Riverside, California.*

June 7, 1996
(Federal Register)

Greg Dahlgren to acquire control of 30.0% of the
voting shares of Vergas Bancorporation, Inc.,
Vergas, Minnesota.

May 28, 1996
(Federal Register)

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

Application
Philip Bancorporation, Inc., Philip,
South Dakota, to engage de novo in
making and servicing loans.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
NONE.




Not yet available

FEDERAL RESERVE RANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending May 10,1996
ASSIGNMENT OF RATING
Identification of Ratings
In connection with the assessment of each insured depository institution’s CRA performance, a rating
is assigned from the following groups:
OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has an outstanding record of, and is a leader in, ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a satisfactory record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group needs to improve its overall record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low-and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

BANKfS'l EXAMINED
NONE.




DATE OF EXAMINATION

CRA RATING

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

Tvoe

Application

18c/Branch

Baylake Bank
Sturgeon Bay, Wisconsin
to acquire the assets and liabilities of The Bank,
Manawa, Wisconsin, & establish a branch at
431 S. Bridge Street, Manawa, Wisconsin
and at King, Wisconsin

NP - 5-2-96

Branch

Baylake Bank
Sturgeon Bay, Wisconsin
N2723 Highway QQ
King, Wisconsin

NP - 5-2-96

Branch

G.W. Jones Exchange Bank
Marcellus, Michigan
16634 Enterprise Drive
Three Rivers, Michigan

NP - 5,6-96

18c/Branch

Harris Trust and Savings Bank
Chicago, Ilinois
to acquire certain assets & liabilities of Household
Bank, F.S.B., Prospect Heights, Illinois, & thereby
to establish 64 branches

NP - 5-23-96

Branch

1st Source Bank
South Bend, Indiana

NP - 6-7-96

139 South Front Street

Dowagiac, Michigan
Branch

1st Source Bank
South Bend, Indiana
123 West Main Street
Niles, Michigan

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




NP - 6-7-96

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

Im

Application

Branch

First Farmers Bank & Trust Company
Converse, Indiana
410 Flint Way Drive
Kokomo, Indiana

NP - 5-26-96

EFT

Harris Trust and Savings Bank
Chicago, Illinois
4709-11 West Golf Road
Skokie, Illinois

NP - 5-31-96

Branch

DeMotte State Bank
DeMotte, Indiana
507 South Main Street
Hebron, Indiana

NP - 5-23-96

3(a)(1) Notice

Arbor Bancorp, Inc.
Ann Arbor, Michigan
Bank of Ann Arbor
Ann Arbor, Michigan

NP - 5-16-96

Branch

First State Bank of Maple Park
Maple Park, Illinois
Main Street at Harter Road
Kaneville, Illinois

Np _ **

Branch

First State Bank of Maple Park
Maple Park, Illinois
Southeast Corner of Route 47 & Prairie Valley Street
Elburn, Illinois

NP _ **




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

I m.

Application

3(a)(3)

Carroll County Bancshares, Inc.*
Carroll, Iowa
Nevada Community Bancshares, Inc.
Nevada, Iowa
Community Bank (in organization)
Nevada, Iowa

FR - 6-4-96
NP - 5-25-96

3(a)(1)

Nevada Community Bancshares, Inc.*
Nevada, Iowa
Community Bank (in organization)
Nevada, Iowa

FR - 6-4-96
NP - 5-25-96

3(a)(3)

F & M Bancorporation, Inc.*
Kaukauna, Wisconsin
Community State Bank
Algoma, Wisconsin

FR - 5-7-96
NP - 5-6-96

3(a)(3)

Van Diest Investment Company*
Ankeny, Iowa
East Des Moines National Bank
Des Moines, Iowa

FR - 5-17-96
NP - 5-6-96

3(a)(3)

Prairieland Employee Stock Ownership Plan*
Bushnell, Illinois
Merchants State Bank
Bushnell, Illinois
Prairieland Bancorp, Inc.
Farmers & Merchants State Bank
Bushnell, Illinois

FR - 6-7-96
jsjp _ **

3(a)(1)

Wildcat, Inc.*
Cedar Rapids, Iowa
Hartford-Carlisle Savings Bank
Carlisle, Iowa

FR - 4-26-96
NP - 4-29-96




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

lyee

Application

3(a)(1)

Central Wisconsin Bancorporation, Inc.*
Colby, Wisconsin
Owen-Curtiss State Bank
Owen, Wisconsin

FR - 5-17-96
NP - 5-3-96

3(a)(3)

UnionBancorp, Inc.*
Streator, Illinois
Country Bancshares, Inc.
Macomb, Illinois
Omni Bank
Macomb, Illinois
Prairie Bancorp, Inc.
Princeton, Illinois
Farmers State Bank of Ferris
Ferris, Illinois
Hanover State Bank
Hanover, Illinois
Bank of Ladd
Ladd, Illinois
First National Bank of Manlius
Manlius, Illinois
Tampico National Bank
Tampico, Illinois
Tiskilwa State Bank
Tiskilwa, Illinois

FR - 6-4-96
jsjp _ **

3(a)(5)

First Merchants Corporation*
Muncie, Indiana
Union National Bancorp
Union County National Bank of Liberty
Liberty, Indiana

FR - 5-12-96
NP - 5-5-96

3(a)(3)

Hills Bancorporation*
Hills, Iowa
Trimpe’s Inc.
Lisbon, Iowa
Alliance Bancorporation
Lisbon, Iowa
Lisbon Bank and Trust Company
Lisbon, Iowa

FR - 5-10-96
NP - 5-5-96




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)(3)

Northland Insurance Agency, Inc.*
Chicago, Illinois
Grand Premier Financial, Inc.
Wauconda, Illinois
Northern Illinois Financial Corporation
Wauconda, Illinois
Grand National Bank
Wauconda, Illinois
Premier Financial Services, Inc.
Freeport, Illinois
First Bank North
Freeport, Illinois
First Bank South
Dixon, Illinois
Premier Acquisition Company
Freeport, Illinois
First National Bank of Northbrook
Northbrook, Illinois
First Security Bank of Cary-Grove
Cary, Illinois

FR - 5-6-96
NP - 4-29-96

3(a)(3)

Keeco, Inc.*
Chicago, Illinois
Grand Premier Financial, Inc.
Wauconda, Illinois
Northern Illinois Financial Corporation
Wauconda, Illinois
Grand National Bank
Wauconda, Illinois
Premier Financial Services, Inc.
Freeport, Illinois
First Bank North
Freeport, Illinois
First Bank South
Dixon, Illinois
Premier Acquisition Company
Freeport, Illinois
First National Bank of Northbrook
Northbrook, Illinois
First Security Bank of Cary-Grove
Cary, Illinois

FR - 5-6-96
NP - 4-29-96




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

Im.

Application

3(a)(3)

Thomson Investment Company, Inc.*
Savanna, Illinois
Savanna Bancorp, Inc.
Savanna, Illinois
Savanna State Bank
Savanna, Illinois
Gateway State Bank
Clinton, Iowa

FR - 5-12-96
NP - **

3(a)G)

Horizon Bancorp Employee Stock Ownership*
Michigan City, Indiana
Horizon Bancorp
Michigan City, Indiana'
First Citizens Bank, N.A.
Michigan City, Indiana

FR - 5-17-96
NP - 5-13-96

3(a)(1)

Grand Premier Financial, Inc.*
Wauconda, Illinois
Northern Illinois Financial Corporation
Wauconda, Illinois
Grand National Bank
Wauconda, Illinois
Premier Financial Services, Inc.
Freeport, Illinois
First Bank North
Freeport, Illinois
First Bank South
Dixon, Illinois
Premier Acquisition Company
Freeport, Illinois
First National Bank of Northbrook
Northbrook, Illinois
First Security Bank of Cary-Grove
Cary, Illinois

FR - 5-6-96
NP - 4-29-96

3(a)(3)

Mercantile Bancorp, Inc.*
Hammond, Indiana
First Lansing Bancorp, Inc.
Lansing, Illinois
First National Bank of Illinois
Lansing, Illinois

FR - 5-10-96
NP _ **




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)

Goodenow Bancorporation, Inc.*
Okoboji, Iowa
Jackson Bancorporation, Inc.
Fairmont, Wisconsin
Bank Midwest, Minnesota, Iowa, N.A.
Fairmont, Minnesota

FR - 5-23-96
Np _ **

3(a)(3)

ABN AMRO Bank N.V.*
Amsterdam, The Netherlands
Comerica Bank - Illinois
Franklin Park, Illinois

FR - 5-23-96
NP - 5-17-96

3(a)(3)

ABN AMRO Holding N.V.*
Amsterdam, The Netherlands
Comerica Bank - Illinois
Franklin Park, Illinois

FR - 5-23-96
NP - 5-17-96

3(a)(3)

ABN AMRO North America, Inc.*
Chicago, Illinois
Comerica Bank - Illinois
Franklin Park, Illinois

FR - 5-23-96
NP - 5-17-96

3(a)(3)

Stichting Administratiekantoor ABN AMRO Holding*
Amsterdam, The Netherlands
Comerica Bank, Illinois
Franklin Park, Illinois

FR - 5-23-96
NP - 5-17-96

3(a)(3)

Stichting Prioriteit ABN AMRO Holding*
Amsterdam, The Netherlands
Comerica Bank - Illinois
Franklin Park, Illinois

FR - 5-23-96
NP - 5-17-96

3(a)(3)

Vogel Bancshares, Inc.*
Orange City, Iowa
Ireton Bancorp
Ireton, Iowa
Security Savings Bank

FR - 5-25-96
NP _ **

3(a)(3)

Granville Bancshares, Incorporated*
Granville, Illinois
Sheridan State Bank
Sheridan, Illinois

PR _ **




NP - 6-2-96

Federal Reserve Bank of Chicago
Section III - Applications Subject to Federal Register
Notice Only

Comment Period
Ending Date

Type

Application

4(c)(8)

Grand Premier Financial, Inc.
Wauconda, Illinois
Premier Insurance Services, Inc.
Warren, Illinois

FR - 5-6-96

4(c)(8)

Boscobel Bancorp, Inc.
Boscobel, Wisconsin
to engage in making and servicing loans

FR - 5-14-96

4(c)(8)

Horizon Bancorp
Michigan City, Indiana
to engage in making and servicing loans

FR

4(c)(8)

VCR Bancorporation, Ltd.
Carlisle, Illinois
to engage in making loans or other extensions of credit

PR . **

4(c)(8)

Anita Bancorporation
Newton, Iowa
engage in making & servicing loans

FR

4(c)(8)

Friendship Bancorp
Friendship, Indiana
Independent Bankers Life Insurance Company of Indiana

FR - **




5-17-96

5-16-96

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

Type
None




Application

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

The following state member banks have been examined by the Federal Reserve Bank of Chicago for compliance
wife fee CRA. The 30-business day period fee bank has to make fee evaluation public has lapsed during fee
week ending May 10, 1996. If you are interested in obtaining a copy of fee evaluation document, please contact
fee bank(s) directly.
Identification of Ratines
0 -

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

S-

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

NI -

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

BANK NAME/LOCATION

EXAMINATION DATE

RATINGS

Lapeer County Bank & Trust Co.
83 West Nepessing Street
P.O. Box 250
Lapeer, Michigan 48446-0250
(810) 664-2977

1/29/96

S

The State Bank of Geneva
22 South 4th Street
Geneva, Illinois 60134-2109
(708) 232-3200

1/16/96

S




Federal Reserve Bank of St. Louis
FO R TH E W EEK ENDING MAY 10,1996
SECTION I - APPLICATIONS SUBJECT TO NEW SPAPER N O T IC E
Application

E n d of Comment Period

* Section 9 application by Heber Springs State Bank, Heber
Springs, Arkansas, to establish a branch at the intersection of
Highway 92 and Highway 25, Drasco, Arkansas.

4-6-96

SECTION n - APPLICATIONS SUBJECT TO BO TH
NEW SPAPER AND FEDERAL REGISTER N O TIC E
Application

E nd o f Comment Period

* Section 3(a)(3) application by Porter Bancorp, Inc.,
Shepherdsville, Kentucky, to acquire Mammoth Bancorp,
Inc., Brownsville, Kentucky, BBA, Inc., Shepherdsville,
Kentucky, and Greensburg Bancorp, Inc., Shepherdsville,
Kentucky.

Federal Register: 6-7-96

* Section 3(a)(5) application by Porter Bancorp, Inc.,
Shepherdsville, Kentucky, to merge with Green River
Bancorp, Inc., Shepherdsville, Kentucky, and Pioneer
Bancshares, Inc., Shepherdsville, Kentucky.

Federal Register: 6-7-96

* Section 3(a)(5) application by First United Bancshares,
Inc., El Dorado, Arkansas, to merge with Carlisle
Bancshares, Inc., Little Rock, Arkansas.

Federal Register: 6-7-96

* Section 3(a)(1) application by Bradford Bancorp, Inc.,
Greenville, Illinois, to acquire The Bradford National
Bank of Greenville, Greenville, Illinois.

Newspaper: 6-1-96

* Section 3(a)(1) application by Hometown Bancshares,
Inc., New Albany, Indiana, to acquire Hometown
National Bank, New Albany, Indiana, a d£ novo bank.

Newspaper: 6-5-96

SECTION m - APPLICATIONS SUBJECT TO FEDERAL R E G ISTER NOTICE

Application

End of Com m ent Period

None.
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL R EG ISTER NOTICE
OR NEWSPAPER NOTICE

Application

E n d of Com m ent Period

Section 9 membership application by Tell City Bank
(formerly Tell City National Bank), Tell City, Indiana.

N/A *

* This application/notification subject to CRA.



FEDERAL RESERVE BANK OF ST. LOUIS
St Louis, Missouri
.
AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification o f Ratings:
Outstanding record o f meeting community credit needs
An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
Satisfactory record o f meeting community credit needs
An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs o f its
entire delineated community, including low- and moderate- income neighborhoods, in a manner consistent with
its resources and capabilities.
Needs to improve record o f meeting community credit needs
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.

FOR THE WEEK ENDING May 10, 1996

Name of Bank

Teutopolis State Bank




Bank Address

Teutopolis, Illinois

Examination
Date

Examination
Rating

1/8/96

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
Duke Financial Group, Inc., St. Paul,
Minnesota, for prior approval to acquire
65% of the voting shares of the Inland
Empire National Bank, Riverside, California.*

June 7, 1996
(Federal Register)

Greg Dahlgren to acquire control of 30.0% of the
voting shares of Vergas Bancorporation, Inc.,
Vergas, Minnesota.

May 28, J996
(Federal Register)

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

Application
Philip Bancorporation, Inc., Philip,
South Dakota, to engage de novo in
making and servicing loans.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
NONE.




Not yet available

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week aiding May 10,1996
ASSIGNMENT OF RATING
Identification of Ratings
In connection with the assessment of each insured depository institution’s CRA performance, a rating
is assigned from the following groups:
OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has an outstanding record of, and is a leader in, ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a satisfactory record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group needs to improve its overall record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low-and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

BANKfSI EXAMINED
NONE.




DATE OF EXAMINATION

CRA RATING

Federal Reserve Bank of Kansas City

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER N O TIC E ONLY
APPLICATION

COMMENT PERIOD ENDING DATF.

None.
SECTION II - APPLICATIONS SUBJECT TO BO TH
NEW SPAPER AND FEDERAL REGISTER N O TIC E
APPLICATION

COMMENT PERIOD ENDING DATF.

Ken Bass, McAlester, Oklahoma, for prior approval to
acquire a total of 10 percent; Gary Fugitt, McAlester,
Oklahoma, for prior approval to acquire a total of 50
percent; and Jerry Fugitt, McAlester, Oklahoma, for
prior approval to acquire a total of 40 percent, of the
voting shares of Wilburton State Bancshares, Inc.,
Wilburton, Oklahoma.*

May 24, 1996

Pembroke Bancshares, Inc., and Union Bancshares,
Inc., both of Kansas City, Missouri, for prior approval
to acquire 100 percent of the voting shares of Missouri
Valley Bancshares, Inc., Mountain Grove, Missouri.*

Not Available

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REG ISTER N O TIC E ONLY
APPLICATION
INTRUST Financial Corporation, Wichita, Kansas,
for prior approval to engage in community
development activities through the formation of
INTRUST Community Development Corporation,
Wichita, Kansas.

COMMENT PERIOD ENDING DATE
Not Available

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REG ISTER NOTICE
OR NEWSPAPER NOTICE
APPLICATION
None.




Federal Reserve Bank of Kansas City

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Identification o f 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 im prove record of meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.

Bank/Location
None.*

*Application is subject to CRA.




Exam Date

CRA Public
Date

CRA
Rating

FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF MAY 6, 1996
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
APPLICATION

NOTICE EXP.

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

** NOTICE EXP

Change in Control Notice by
First Grayson Bancshares, Inc. ESOP, Whitesboro,
TX, to acquire an interest in
First Grayson Bancshares, Inc., Whitesboro, TX
(Previously reported during the week of 3-25-96)

96/05/02

♦Section 3(a)(1) application by
State National Bancshares, Inc., Lubbock, TX, to
acquire State National Bancshares of Delaware, Dover,
DE, and State National Bank of West Texas, Lubbock, TX
(Previously reported during the week of 4-29-96)

96/05/26

♦Section 3(a)(1) application by
State National Bancshares of Delaware, Dover, DE, to
acquire State National Bank of West Texas, Lubbock, TX
(Previously reported during the week of 4-29-96)

96/05/26

♦Section 3(a)(1) application by
Perryton Bancshares, Inc., Perryton, TX, to
acquire Perryton National Bank, Perryton, TX

N/A

♦Section 3(a)(1) application by
XIT Bancshares, Inc., Littlefield, TX, to acquire
XIT Delaware, Inc., Dover, DE, and Security State
Bank, Littlefield, TX

N/A

♦Section 3(a)(1) application by
XIT Delaware, Inc., Dover, DE, to acquire
Security State Bank, Littlefield, TX

N/A

Change in Control Notice by
James L. Truck, Kingwood, TX, to acquire an interest
in Brazosport Corporation, Corpus Christi, TX

N/A




♦Section 3(a)(1) application by
Thera Holding Partners, Ltd., Houston, TX, to acquire
Citizens Bankers, Inc., Baytown, TX; Citizens Bankers of
Delaware, Inc., Wilmington, DE; Baytown State Bank,
Baytown, TX; Citizens Bank & Trust Company, Baytown, TX;
and Pasadena State Bank, Pasadena, TX

N/A

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
NOTICE ONLY
APPLICATION

NOTICE EXP

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

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




SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
FOR THE WEEK OF HAY 6. 1996

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

Bank
None.




Date of
Examination

CRA Rating

FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 5/10/96
Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

None
Section II - Applications Sub.iect to Both
Newspaper and Federal Register Notice
Columbia Bancorp, The Dalles, Oregon, to acquire
100 percent of Klickitat Valley Bank, Goldendale,
Washington. *

Newspaper:

5/11/96

Fed. Req.:

5/23/96

Columbia Bancorp, The Dalles, Oregon, to acquire
an option to purcahse 9.9 percent of Klickitat
Valley Bank, Goldendale, Washington. *

Newspaper:

5/11/96

Fed. Req.:

5/23/96

InterWest Bancorp, Inc., Oak Harbor, Washington,
to merge with Central Bancorporation, Wenatchee,
Washington. *

Newspaper:

Not available

Fed. Req.:

Not available

InterWest Bancorp, Inc., Oak Harbor, Washington,
to acquire 19.9 percent of Central Bancorporation,
Wenatchee, Washington. *

Newspaper:

Not available

Fed. Req.:

Not available

Section III -Applications Sub.iect to Federal Register Only
BankAmerica Corporation, San Francisco,
California, to establish BankAmerica Community
Development Corporation, San Francisco,
California.

Fed. Req.:

5/28/96

Community Bancshares, Inc:., Joseph, Oregon, to
acquire Citizens Title & Escrow Service, Inc.,
Enterprise, Oregon.

Fed. Req.:

Not available

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

* Subject to CRA.




FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 5/10/96
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during this
week. Information about a particular institution’s CRA evaluation may be obtained
directly from the institution.
Institution

Location

Examination Date

Rating*

None

*Under the rating system an institution’s CRA performance is assigned one of the
following four ratings:

Outstanding record

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

Satisfactory record of meeting community credit needs:

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

Needs to Improve record

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

Substantial Noncompliance in meeting community credit needs:

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

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




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