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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

19,
96

H.2,
No. 20
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending May 18, 1996

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANK HOLDING COMPANIES
Fleet Financial Group, Inc., Boston, Massachusetts
request for reconsideration of the Board’s approval
of the application to acquire NatWest Bank National
Association, Jersey City, New Jersey.
Denied, May ' l l * , 1996.
Swiss Bank Corporation, Basle, Switzerland -- to
retain ownership and control of the voting shares
of S.G. Warburg Overseas Ltd., London, England, and
the assets and liabilities of the New York, New
York, branch of S.G. Warburg Forex Ltd., London,
England, and engage in securities- and derivativesrelated activities.
Approved, Way 13, 1996.
Wachovia Corporation, Winston-Salem, North Carolina - to establish an initial subsidiary and up to five
additional subsidiaries in the United Kingdom,
which would engage in and facilitate certain
funding activities.
Approved, May T5, 1996.
BANKS. FOREIGN




Swiss Bank Corporation, Basle, Switzerland - - t o
establish a representative office in Houston,
Texas.
Approved, May 13, 1996.

Deutsche Bank AG, Frankfurt, Germany -- order of
prohibition against Michael Galietta, a former
securities trader at Deutsche Morgan Grenfell/C. .
J
Lawrence, Inc., New York, New York, a nonbank
subsidiary of the Deutsche Bank.
Announced, May 14, 1996.
Keyesport Bancshares, Inc., Keysport, Illinois
written agreement dated April 12, 1996, with the
Federal Reserve Bank of St. Louis
Announced, May 14, 1996.

H .2
MAY 13, 1996
PAGE 2

TO

MAY 17,

1996

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

REGULATIONS AND POLICIES
Availability of a video designed to help lenders
establish profitable relationships with tribal
governments and individuals on Native American
Reservat ions.
Announced, May 17, 1996.
Regulation CC -- publication for comment of
clarifying and technical amendments
(Docket R0926)
Approved, May 15, 1996.
Regulation V (Loan Guarantees for Defense Production)
-- proposal to abolish the regulation (Docket No.
R-0928).
Approved, May 17, 1996.
Wire transfer recordkeeping rule under the Bank
Secrecy Act -- guide for new requirements that
become effective May 28, 1996.
Announced, May 15, 1996.

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
ABBREVIATION'S: 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




Richmond

County Bank of Chesterfield, Midlothian, Virginia -to establish a branch at 348 East Hundred Road,
Chester, Virginia.
Approved, May 16, 1996.

Cleveland

Fifth Third Bank, Cincinnati, Ohio -- notification of
its intent to establish branches at 6101 Glenway
Avenue, and 2900 West State Route 22, Maineville,
Ohio.
Permitted, May 15, 1996.

H .2
MAY 1 3 , 1996
PAGE 3

TO

MAY 1 7 ,

1996

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

BANK BRANCHES, DOMESTIC
Chicago

6. I . Jones Exchange Bank, Marcellus, Michigan -- to
I
establish a branch at 16634 Enterprise Drive, Three
Rivers, Michigan.
Approved, May 13, T996.

Philadelphia

Orrstown Bank, Shippensburg, Pennsylvania - - t o
establish a limited service facility at the Church
of God Home, Inc., 801 North Hanover Street,
Carlisle, Pennsylvania.
Approved, May 15, 1996..

Dallas

Texas Heritage Bank, Hutto, Texas - - t o establish a
branch at 401 North Bell, Cedar Park, Texas.
Approved, May 17, 1996.

BANK MOLDING COMPANIES




Richmond

American Bankshares, Inc., Welch, West Virginia -* to
engage de novo in consumer lending activities
through Ameriloan, Englewood, Colorado.
Permitted, May 16, 1996.

New York

Bankers Trust New York Corporation, New York, New
York, and Bankers Trust Company -- request that
Donald L. Staheli be permitted to serve as a
director of The Prudential Insurance Company of
America, Newark, New Jersey, while also serving as
a director of Bankers Trust.
Granted, May 16, 1996.

Atlanta

Bradley County Financial Services, Inc., Cleveland,
Tennessee - - t o engage de novo in consumer finance
and insurance agency activities through Tennessee
Financial Services.
Permitted, May 13, 1996.

Dallas

Burkburnett Financial Corporation, Dover, Delaware
request for waiver of application to acquire The
Burkburnett Bank, Burkburnett, Texas.
Granted, May 13, 1996.

H .2
MAY 13, 1996
PAGE 9

TO

MAY 17,

1996

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

BANK HOLDING COMPANIES




Chicago

Boston

CBR Holdings,.Inc ., Winnetka, Illinois -- to acquire
The Community Bank of Ravenswood, Chicago,
111inois.
Approved, May 17, 1996.
.CFX Corporation, Keene, New Hampshire -- to acquire
the Safety Fund Corporation, Fitchburg,
Massachusetts, and Safety Fund National Bank.
Approved, May 17, 1996.

Dallas

FirstPerryton Delaware, Inc., Dover, Delaware -request for waiver of application to acquire
FirstBank Southwest, N.A., Amarillo, Texas.
Granted, May 16, 1996.

Chicago

Home Financial Bancorp, Spencer, Indiana -- to
acquire Owen Community Bank, s.b., and engage in
lending activities.
Approved, May 16, 1996.

Chicago

Mahaska Investment Company, Oskaloosa, Iowa -- to
purchase certain assets and assume certain
liabilities of the Sigourney, Iowa, office of
Boatmen’s Bank Iowa, N.A., Des Moines, Iowa.
Permitted, May 13, 1996.

Secretary

Old National Bancorp, Evansville, Indiana -- to
acquire The National Bank of Carmi, Carmi,
Illinois.
Approved, May 16, 1996.

Atlanta

P.C.B. Bancorp, Inc., Largo, Florida - - t o acquire
Premier Community Bank, Venice, Florida.
Approved, May 16, 1996.

St. Louis

Peoples First Corporation, Paducah, Kentucky -notification of its intent to operate a savings and
.
loan association through acquisition o f Guaranty
i*
f
Federal Savings Bank, Clarksville, Tennessee.
Permitted, May 16, 1996.

Minneapolis

Philip Bancorporation, Inc., Philip, South Dakota -to engage de novo in lending activities.
Returned, May 15, 1996.

H.2
M A Y 13, 1996
PAGE
5

TO

M A Y 17, 1996

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

BANK HOLDING COMPANIES
New York

SNBNY Holdings Limited, Marina Bay, City of Gibraltar
-- to acquire shares of Safra National Bank of New
York, New York, New York.
Approved, May 17, 1996.

Director, BS&R

SunTrust Banks, Inc., Atlanta, Georgia -determination that SunTrust Capital Markets, Inc.,
may commence underwriting and dealing in unrated
municipal revenue bonds, subject to certain
condit ions.
Granted, May 16, 1996.

Secretary

U.S. Bancorp, Portland, Oregon -- to merge with
California Bancshares, Inc., San Ramon, and to
acquire CBI Mortgage, Modesto, California.
Approved, May 17, 1996.

CAPITAL STOCK
Minneapolis

Grant County Bancorporation, Inc., Carson, North
Dakota -- redemption of shares.
Approved, May 17, 1996.

CHANGE IN BANK CONTROL




Dallas

Brazosport Corporation, Corpus Christi, Texas -change in bank control.
Returned, May 14, 1996.

Dallas

Central Bancorporation, Inc., Fort Worth, Texas -change in bank control.
Permitted, May 14, 1996.

Kansas City

First Bankshares of Las Animas, Inc., Las Animas,
Colorado -- change in bank control.
Permitted, May 16, 1996.

Richmond

Greenville Financial Corporation, Greenville, South
Carolina -- change in bank control.
Permitted, May 16, 1996.

Dallas

Metroplex North Bancshares, Inc. Employee Stock
Ownership Plan -- change in bank control.
Permitted, May 17, 1996.

H .2
MAY 1 3 , 1996
PAGE 6

TO

MAY 1 7 ,

1996

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

CHANGE IN BANK CONTROL
Kansas City

Stock Exchange Financial Corporation, Caldwell,
Kansas -- change in bank control.
Permitted, May 17, 1996.

COMPETITIVE FACTORS REPORTS




Kansas City

Bank Midwest, N.A., Kansas City, Missouri, prcpos-d
acquisition of the assets and assumption of th~
liabilities of a branch of North American Savings
Bank, FSB, Grandview, Missouri -- report on
competitive factors.
Submitted, May 17, 1996.

Atlanta

Bank of Eastman, Eastman, Georgia, proposed merger
with Magnolia Midlands Interim Corporation,
Eastman, Georgia -- report on competitive factors.
Submitted, May 14, 1996.

Richmond

Cabarrus Bank of North Carolina, Concord, North
Carolina, proposed purchase of certain assets and
assumption of certain liabilities of the Concord,
North Carolina, branch of First Bank, Troy, North
Carolina -- report on competitive factors.
Submitted, May 17, 1996.

Chicago

Central Valley Bank, Ottumwa, Iowa, proposed purchas
of the assets and assumption of the liabilities of
the Sigourney, Iowa, branch of Boatmen’s Bank Iowa
N.A., Des Moines, Iowa -- report on competitive
factors.
Submitted, May 13, 1996.

St. Louis

Citizens National Bank, Linton, Indiana, proposed
merger with The American National Bank of
Vincennes, Vincennes, Indiana -- report on
competitive factors.
Submitted, May 14, 1996.

H .2
MAY 1 3 , 1996
PAGE 7

TO

MAY 1 7 ,

1996

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

COMPETITIVE FACTORS REPORTS




Kansas City

Farmers Bank & Trust, Great Bend, Kansas, proposed
merger with The Kinsley Bank, Kinsley, Kansas -report on competitive factors.
Submitted, May 17, 1996.

St. Louis

First Bank, Lexington, Tennessee, proposed
acquisition of certain assets and assumption of
certain liabilities of the Camden, Tennessee,
branch of NationsBank of Tennessee, N.A.,
Nashville, Tennessee -- report on competitive
factors.
Submitted, May 17, 1996.

Dallas

First National Bank of La Grange, La Grange, Texas,
proposed merger with New La Grange Bank, La Grange,
Texas -- report on competitive factors.
Submitted, May 16, 1996.

Secretary

First Security Bank of Idaho, N.A., Boise, Idaho,
proposed merger with First Security Bank of Utah,
N.A., Ogden, Utah -- report on competitive factors.
Submitted, May 13, 1996.

Atlanta

First South Bank of Middle Georgia, N.A., Macon,
Georgia, proposed merger with First South Bank,
N.A., Fort Valley; First South Bank of Coweta
County, N.A., Newnan, Georgia -- report on
competitive factors.
Submitted, May 14, 1996.

Richmond

First-Citizens Bank & Trust Company, Raleigh, North
Carolina, proposed merger with First Citizens
Processing Services, Inc., Columbia, South Carolina
-- report on competitive factors.
Submitted, May 14, 1996.

San Francisco

Home Savings of America, FSB, Irwindale, California,
proposed acquisition of the assets and assumption
of the liabilities of 61 branches of Wells Fargo
Bank, N.A., San Francisco, California -- report on
competitive factors.
Submitted, May 16, 1996.

H .2
MAY 1 3 , 1996
PAGE 8

TO

MAY 1 7 ,

1996

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

COMPETITIVE FACTORS REPORTS




Kansas City

Independent Bank of Kersey, Kersey, Colorado,
proposed acquisition of the assets and assumption
of the liabilities of Colorado Federal Savings
Bank, Sterling, Colorado -- report on competitive
factors.
Submitted, May 17, 1996.

Cleveland

Liberty Savings Bank, FSB, Wilmington, Ohio, proposed
acquisition of the assets and assumption of the
liabilities of Colorado Savings Bank, FSB, Denver,
Colorado -- report on competitive factors.
Submitted, May 17, 1996.

Cleveland

Mellon Bank, N.A., Pittsburgh, Pennsylvania, proposed
purchase of certain assets and assumption of
certain liabilities of its Claysville office by
Community Bank, N.A., Carmichaels, Pennsylvania -report on competitive factors.
Submitted, May 17, 1996.

Dallas

Perryton National Bank, Perryton, Texas, proposed
merger with Interim Bank -- report on competitive
factors.
Submitted, May 14, 1996.

Atlanta

Prime Bank, Boynton Beach, Florida, proposed merger
with SouthTrust Bank of Florida, N.A., St.
Petersburg, Florida -- report on competitive
factors.
Submitted, May 14, 1996.

Richmond

Rowan Savings Bank, SSB, Inc., China Grove, North
Carolina, proposed merger with Rowan Interim
Savings Bank, SSB -- report on competitive factors.
Submitted, May 14, 1996.

Richmond

WesBanco Bank Fairmont, Inc., Fairmont, West
Virginia, proposed merger with WesBanco Bank of
Kingwood, Kingwood, West Virginia -- report on
competitive factors.
Submitted, May 14, 1996.

H .2
MAY 1 3 , 1996
PAGE 9

TO

MAY 17,

1996

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

m

iHSIONS OF XXME
Kansas City

CRACO, In., Vinita, Oklahoma -- extension to
August 26, 1996, to acquire The First National Bank
of Grove, Grove, Oklahoma.
Granted, May 17, 1996.

Minneapolis

Northern Plains Investment, Inc., Jamestown, North
Dakota •• extension to August 21, 1996, to increase
its indirect ownership of stock of Stutsman County
State Bank.
Granted, May 17, 1996.

Minneapolis

Otto Bremer Foundation, St. Paul, Minnesota, and the
Bremer Financial Corporation -- extension to
August 13, 1996, to acquire First American Bank of
Wahpeton, Wahpeton, North Dakota.
Granted, May 13, 1996.

Cleveland

Summit Bancorp, Akron, Ohio -- extension of time to
engage de novo in permissible investment advisory
and securities brokerage activities through Summit
Bank Investments, Inc.
Granted, May 16, 1996.

REGULATIONS AND POLICIES
Secretary

M S I R V E £ANK




Regulation CC -- amendments to Appendices A and B
involving the Jericho and East Rutherford check­
processing regions (Docket R-0925).
Approved, May 15, 1996.

mmums

Director, FRBO

Federal Reserve Bank of New York - - t o proceed with
renovation in the Annex Building.
Approved, May 15, 1996.
>

H .2
MAY 1 3 , 1996
PAGE 10

A D D I T I O N S A N D CORRECTION'S
TO

MAY 1 7 ,

1996

ACTIONS TAKEN BY THE BOARD OP GOVERNORS

REGULATIONS AND POLICIES
State-chartered banks -- state and federal protocol
and model agreement for the coordinated supervision
of interstate state-chartered banking
organizations.
Approved, April 30, 1996.
Wire transfer recordkeeping rule under the Bank
Secrecy Act -- delay of the effective date of rule
and of Subpart B of Regulation S until May 23,
1996.
Approved, February 28, 1996.

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

BANK HOLDING COMPANIES




Chicago

North Shore Community Bancorp, Inc., Lake Forest,
Illinois - - t o merge with Lake Forest Bancorp,
Inc.; Hinsdale Bancorp, Inc., Hinsdale;
Libertyville Bancorp, Inc., Libertyville; and
Crabtree Capital Corporation, Schaumburg; and
acquire Lake Forest Bank and Trust Company, Lake
Forest; Hinsdale Bank and Trust Company, Hinsdale;
and Libertyville Bank and Trust Company,
Libertyville, Illinois.
Returned, May 10, 1996.
\

H .2
MAY 1 3 , 1996
PAGE 11

ADDITIONS AND CORRECTIO
TO

MAY 1 7 ,

1996

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

COMPETITIVE FACTORS REPORTS
Atlanta

Fort Brooke Bank, Brandon, Florida, proposed merger
with Brooke Interim Corporation -- report on
competitive factors.
Submitted, May 10, 1996.

Atlanta

Independent Bank & Trust Company, Powder Springs,
Georgia, proposed merger with Interim Independent
Corporation -- report on competitive factors.
Submitted, May 10, 1996.

REGULATIONS AND POLICIES




Secretary

Regulation BB -- correcting amendment to the CRA
regulation (Docket R-0322).
Approved, March 20, 1996.

FEDERAL RESERVE BANK u * D u ai'u M APPLICATIONS
SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY
Application

Comment Period Ending Date

♦Enterprise Bancorp, Inc.,
Lowell, Massachusetts section 3 notification
to acquire Enterprise Bank
and Trust Company, Lowell,
Massachusetts

Newspaper

05-24-96

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 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
SECTION VI - CRA EXAMINATIONS SCHEDULED
Examinations may have to be rescheduled during the calendar tjuarter in which
they are designated to begin. If an institution’s examination is rescheduled
for a date later than the end of the date range reflected in a published
schedule, the institution’s name will be republished in an appropriate later
listing. Any comments received as a result of either the first publication or
subsequent publications will be considered during the examination.
THIRD QUARTER 1996
Merrill Merchants Bank, Bangor, Maine

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




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

SECTIO N I
A pplications Subject to N ewspaper
________Notice Only________
None.
SECTIO N II
A pplications Subject to Both
N ew spaper and Federal Register Notice
None.
SECTIO N III
N onbanking A pplications
(subject to Federal Register Notice Only cont.l
None.

SECTIO N IV
Applications Not Involving
Public Com m ent
None.
SECTIO N 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 o f 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 o f 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.
W eek E nding M ay 18. 1996
NAM E O F BANK

RATING

EX A M IN A TIO N DATE

None.
SECTIO N VI
CRA Exam inations Scheduled to Begin in T h ird Q u a rte r 1996
Examinations may have to be rescheduled during the calendar quarter in which they are
designated to begin. If an institution's examination is rescheduled for a date later than the
end o f the date range reflected in the published schedule, as shown above, the institution's
name will be republished in an appropriate later listing. Any comments received as a result
o f either the first publication or subsequent publications will be considered during the
examination. Comments should be sent to the attention of: Ms. Assunta Muglia, Examining
Officer, Federal Reserve Bank of New York, 33 Liberty Street, New York, NY 10045.

Peapack-Gladstone Bank
190 Main Street
P.O. Box 178
Gladstone, New Jersey 07934

Bank o f Bermuda (New York) Limited
350 Park Avenue
23rd Floor
New York, New York 10022

Gotham Bank o f New York
1412 Broadway
New York, New York 10018

Bank o f Smithtown
One East Main Street
Smithtown, New York 11787




Manufacturers and Traders
Trust Company
One M&T Plaza
Buffalo, New York 14240

IBJ Schroder Bank and
and Trust Company
One State Street
New York, New York 10004

Marine Midland Bank
One Marine Midland Center
Buffalo, New York 14203

1 / Subject to provisions of Community Reinvestment Act.
21 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

SEC TIO N I ■A PPLIC A TIO N S RECEIVED AND SU B JEC T TO N EW SPA PER
N O TIC E ONLY
NONE
SEC TIO N II - A PPLIC A TIO N S RECEIVED AND SU B JEC T TO BOTH N EW SPA PER
AND FED ERA L R EG ISTER N O TICE
NONE
SECTIO N III - A PPLIC A TIO N S RECEIVED AND SU B JEC T TO FED ER A L
R EG ISTER NO TICE ONLY
CoreStates Financial C orn, Philadelphia, PA to issue alternate media such as concert tickets,
gift certificate and prepaid phone cards, pu rsu an t to Section 4(c)(8) of the B ank H olding
Com pany Act.
Federal Register comment period expires:

N/Avail.

SECTIO N IV - A PPLIC A TIO N S RECEIVED AND NOT SU B JEC T TO FEDERAL
R EG ISTER N O TICE O R NEW SPAPER




NONE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTIO N 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 17, 1996
Identification of R atings
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 m eeting com m unity 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 com m unity 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 im prove record of meeting com m unity 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 noncom pliance in meeting com m unity credit needs.
An institution in this group has a substantially deficient record o f 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




FEDERAL RESERVE BANK OF PHILADELPHIA

SECTIO N VI - CRA EXAM SCHEDULE

(June 30. 1996 through September 30. 1996)
"Examinations may have to be rescheduled during the calendar
quarter in which they are designated to begin. If an institution's
examination is rescheduled for a date later than the end of the
date range reflected in a published schedule, the institution's
name will be republished in an appropriate later listing. Any
comments received as a result of either the first publication or
subsequent publications will be considered during the examination."
BANK/LOCATION
Miners Bank of Lykens
550 W. Main Street
P.0, Box 38
Lykens, PA 17048
Commonwealth State Bank
Friends Lane and Route #332
Newtown, PA 18940
Ambassador Bank of the Commonwealth
4127 Tilghman Street
Allentown, PA 18104
Laurel Bank
111 West High Street
Ebensburg, PA 15931
First Commercial Bank
1027 Arch Street
Philadelphia, PA 19107
First Capitol Bank
2951 Whiteford Road
York, PA 17402
Bank of Landisburg
Route 950 & 233
P.O. Box 179
Landisburg, PA 17040
Wilmington Trust of PA
1522 McDaniel Drive
West Chester, PA 19380




F ed er a l R eserv e B ank
of C leveland
P. O. BOX 6387
CLEVELAND, OHIO 4410 1-13 87

APPLICATIONS BULLETIN
(For the week ending M ay 18, 1996)
SECTION I - APPLICATIONS SUBJECT TO NEW SPAPER NOTICE ONLY
NONE
SECTION

n - APPLICATIONS SUBJECT TO BOTH NEW SPAPER 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 Corporation,
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 NEW SPAPER NOTICE
NONE

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




A VAILABILITY O F CRA PU BLIC EVALUATIONS
(May 17, 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 17, 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:
OUTSTA N D IN G : 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.
SA TISFA C TO R Y : a bank in this group has a satisfactory record o f ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
N EEDS TO IM PR O V E: a bank 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 NON C O M PLIA N C E: a bank 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.
NONE




F ed er a l R eserv e B ank
of C leveland
P. O. BOX 6387
CLEVELAND, OHIO 4 4 10 1-13 87

CRA Exam inations Scheduled
Third Q uarter 1996
Examinations may have to be rescheduled during the calendar quarter in which they are designed
to begin. If an institution’s examination is rescheduled for a date later than the end of the date
range reflected in a published schedule, the institution’s name will be republished in an
appropriate later listing. Any comments received as a result of either the first publication or
subsequent publications will be considered during the examination.
Citizens Commercial Bank & Trust
225 North Main Street
Celina, OH 45822-0170

Chippewa Valley Bank
P. O. Box 68
Rittman, OH 44270

M etamora State Bank
P. O. Box F
Metamora, OH 43540

St. Henry Bank
231 East Main Street
Saint Henry, OH 45883

Fayette Bank & Trust Company
58 West Main Street
Uniontown, PA 15401-3303

Huntington State Bank
P. O. Box 66
Alexandria, OH 43001

The Ottoville Banking Company
161 West Third Street
Ottoville, OH 45876
State Bank and Trust Company
P. O. Box 467
Defiance, OH 43512
Iron & Glass Bank
1114 Carson Street
Pittsburgh, PA 15203
Provident Bank of Kentucky
US 27 and M ain Street
Box 306
Alexandria, KY 41001
Oakwood Deposit Bank Company
P. O. Box 207
Oakwood, OH 45873




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

Comment Period Ending Date

Bank of Suffolk, Suffolk, Virginia,
to establish a branch at 1589 Bridge
Road, Suffolk, Virginia.*

5-21-96

Mid-Atlantic Community Barikgroup, Inc.,
Gloucester, Virginia, to become a bank
holding company through the acquisition
of 100% of the voting shares of Peninsula
Trust Bank, Incorporated, Gloucester,
Virginia.*

5-24-96

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

FCFT, Inc., Princeton, West Virginia,
to engage in community development
activities.

Not yet available.

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 17, 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 Sentinel Bank
315 Railroad Avenue
Richlands, Virginia

24641

Prosperity Bank & Trust Company
5803 Rolling Road
Springfield, Virginia 22152




Rating

2-26-96

Satisfactory

2-26-96

Satisfactory

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending Mav 17, 1996
Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

First Community Bank Holding Company
03-19-96*
Orange City, Florida
Notice for 1-BHC formation, First Community Bank, Orange City, Florida.
First Independence Bank
06-05-96*
Fort Myers, Florida
To establish a branch office located at 6061 Estero Boulevard, Fort Myers Beach,
Florida, to be known as the Fort Myers Beach Office.
The Blackshear Bank
Blackshear, Georgia
To establish a branch located at 528 Memorial Drive
Georgia.

06-05-96*
(U.S. 1 South), Waycross,

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

Comment Period Ending Date

Palm Beach National Holding Company
Not yet available*
North Palm Beach, Florida
1-BHC formation, Palm Beach National Bank & Trust Company.
Independent Bancshares, Inc.
05-24-96*
Powder Springs, Georgia
Notice for 1-BHC formation, Independent Bank & Trust Company, Powder Springs,
Georgia.
FN BanCorp., Inc.
06-05-96*
Tullahoma, Tennessee
Federal Register
Change in control notice by Mr. Eldon Bracton Thoma, III, to acquire an
additional 4.27 percent of the outstanding shares of FN BanCorp., Inc.,
Tullahoma, Tennessee. The acquisition will increase his total ownership to 25.01
percent.
FN BanCorp., Inc.
06-05-96*
Tullahoma, Tennessee
Federal Register
Change in control notice by Mr. Eldon Bracton Thoma, II, to acquire an additional
4.47 percent of the outstanding shares of FN BanCorp., Inc., Tullahoma,
Tennessee. The acquisition will increase his total ownership to 27.82 percent.
Section 3 - Applications Subject to Federal Register Only
Application

Comment Period Ending Date

Middle Georgia Bankshares, Inc.
Not yet available
Unadilla, Georgia
In a joint venture with First Macon Bank & Trust, Macon, Georgia, and Provesa,
Inc., Macon, Georgia, to establish Proimage, Inc., Macon, Georgia, and thereby
engage in check imaging and item processing for banks, pursuant to Section
225.25 (b) (7) of Regulation Y and Section 4 (c) (8) of the Bank Holding Company Act.

*Subject to provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending May 17, 1996
Section 3 - Applications Subject to Federal Register Only
Application

Comment Period Ending Date

Tattnall Bancshares, Inc.
Not yet available
Reidsville, Georgia
To acquire Reidsville Insurance Agency, Inc., Reidsville, Georgia, and thereby
engage in insurance agency activities, pursuant to Section 225.25(b)(8)(iii)(A)
of Regulation Y, and Section 4(c)(8) of the Bank Holding Company Act.
Synovus Financial Corp.
05-30-96
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.
Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
International Bancorp of Miami (NV Holdings), Inc.
Miami, Florida
Request for waiver of the application requirement for Section 3(a) (5) of the Bank
Holding Company Act to merge with International Bancorp of Miami, Inc., Miami,
Florida, and thereby directly acquire International Bank of Miami, N.A., Miami,
Florida.
First Commerce Corporation
New Orleans, Louisiana
Commitment waiver request.
Volunteer State Bancshares, Inc.
Port1and, Tenne s see
Commitment waiver request.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending Mav 17, 1996
Section 6 - CRA Examinations Scheduled
Examinations may have to be rescheduled during the calendar quarter in which they
are designated to begin.
If an institution's examination is rescheduled for a
date later than the end of the date range reflected in a published schedule, the
institution's name will be republished in an appropriate later listing.
Any
comments received as a result of either the first publication or subsequent
publications will be considered during the examination.
Bank
First Northwest Florida Bank
Post Office Box 3040
Fort Walton Beach, Florida 32548
First Newton Bank
P.O. Box 1107
Covington, Georgia 30209
AuburnBank
100 North Gay Street
Auburn, Alabama 36830
First Southern Bank
9955 West Glade Road
Boca Raton, Florida 33434
Amtrade International Bank of Georgia
127 Peachtree Street, Suite 1500
Atlanta, Georgia 30303
First Knoxville Bank
Post Office Box 200
Knoxville, Tennessee 37901
United Southern Bank of Morristown
800 W. Morris Blvd.
Morristown, Tennessee 37814
Tri-City Bank and Trust Company
Post Office Box 277
Blountville, Tennessee 37617
Bank of Madisonville
Post Office Box 547
Madisonville, Tennessee 37354
Community Bank of Mississippi
323 East Third Street
Forest, Mississippi 39074
Prime Bank
Post Office Box 460
Boynton Beach, Florida 33425
Bank of Gueydan
Post Office Box 220
Gueydan, Louisiana 70542
Farmers and Merchants Bank
Post Office Box 220
Centre, Alabama 35960




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending May 17, 1996
Section 6 - CRA Examinations Scheduled
Bank
Bank Independent
Drawer B
Sheffield, Alabama 35660
Central Bank
Post Office Box 521599
Miami, Florida 33152
First State Bank of Bibb County
Post Office 188
West Blocton, Alabama 35184
Bank of York
Post Office Box 96
York, Alabama 36925
Admiralty Bank
4400 PGA Boulevard, Suite 200
Palm Beach Gardens, Florida 33410
AmSouth Bank of Alabama
Post Office Box 11007
Birmingham, Alabama 35288
Pointe Bank
1 West Flamingo Drive
Pembroke Pines, Florida 33027
TransAtlantic Bank
48 East Flager Street
Miami, Florida 33131
S t . Bernard Bank & Trust Company
Post Office Box 238
Arabi, Louisiana 70032
First Progressive Bank
Box 1267
Brewton, Alabama 36427
Central State Bank
Post Office Box 180
Calera, Alabama 35040
AmSouth Bank of Walker County
110 20th Street
Jasper, Alabama 35501
AmSouth Bank of Florida
100 North Tampa Street, Suite 3400
Tampa, Florida 33602
AmSouth Bank of Georgia
1400 Turner McCall Blvd
Rome, Georgia 30162
AmSouth Bank of Tennessee

601 Market Center
Chattanooga, Tennessee 37402




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending May 17, 1996
Section 6 - CRA Examinations Scheduled
Bank
First Bank of Boaz
Post Office Box 757
Boaz, Alabama 35957
SunTrust Bank, North Central Florida
Post Office Box 310
Ocala, Florida 32678
First Commercial Bank of Cullman County
101 First Avenue, NW
Good Hope, Alabama 35055
Commercial Bank of Florida
1550 S.W. 57 Avenue
Miami, Florida 33144
Fifth Third Bank of Florida
Post Office Box 413021
Naples, Florida 33941
Metro Bank of Dade County
1390 South Dixie Highway
Coral Gables, Florida 33146
Gulf Bank
Post Office Box 015-299
Miami, Florida 33145




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending Mav 17. 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.
Examination
Date

Bank

CRA Rating

Merchants Bank
820 South Street
Vicksburg, Mississippi
601/636-3752

Satisfactory
39180

First American Bank of Indian River
4000 20th Street
Vero Beach, Florida 32960
407/567-0552

Satisfactory

Southeastern Bank of Florida
Post Office Box 1810
Alachua, Florida 32615
904/462-5983

Satisfactory

Mobile County Bank
Post Office Box 327
Grand Bay, Alabama 36541
334/865-6191

Satisfactory




1-29-96

02-05-96

02-05-96

02-12-96

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending Mav 17. 1996
Recently Approved Applications

Approval Date

P.C.B. Bancorp, Inc.
05-16-96
Largo, Florida
To acquire Premier Community Bank, Venice, Florida (in organization), pursuant
to Section 3(a)(3) of the Bank Holding Company Act.
Bradley County Financial Corporation
05-13-96
Cleveland, Tennessee
Through Tennessee Financial Services, Inc., Cleveland, Tennessee, to engage
de novo in consumer finance and insurance agency activities, pursuant to Sections
225.25 (b) (1) (i) , 225.25 (b) (8) (i) , and 225.25 (b) (8) (ii) of Regulation Y and
Section 4(c) (8) of the Bank Holding Company Act.




Federal Reserve Bank o f C hicago

Section I - Applications Subject to Newspaper
Notice Only

Type

Application

Comment Period
Ending Date

?

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

D ow agiac, Michigan
Branch

1st Source Bank
South Bend, Indiana
123 W est Main Street
N iles, Michigan

NP - 6-7-96

Eft

M idwest Bank and TrustCompany
Elm wood Park, Illinois
Marriottt’s Lincolnshire Resort
Ten Marriott Drive
Lincolnshire, Illinois

NP - 5-24-96

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 G olf Road
Skokie, Illinois

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




NP - 5-31-96

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

Type

Application

18c/Branch

DeMotte State Bank
DeMotte, Indiana
Hebron Indiana Branch of First Chicago/NBD Bank,
N .A ., Indianapolis, Indiana and to establish a branch
@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

jsjp _ **




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

Type

Application

3(a)(3)

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)

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
NP - 6-7-96

3(a)(1)

Brickyard Bancorp, Inc.*
Chicago, Illinois
Sysco Financial Inc.
Lincolnwood, Illinois
Brickyard Bank
Lincolnwood, Illinois

PR . **

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 - 5-13-96




jsjp _ **

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)

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
Np _ **

3(a)(3)

First Financial Corporation*
Terre Haute, Indiana
Crawford Bancorp, Inc.
Robinson, Illinois
Crawford County State Bank
Robinson, Illinois

FR - 6-17-96
Np _ **

3(a)(1)

Fortress Bancshares, Inc.*
Cresco, Iowa (in organization)
Fortress Bank of Cresco
Cresco, Illinois (in organization)

PR _ **
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)(3)

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)(3)

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

FR - 5-10-96
NP . **

COC-HC

Madison Holding Company
Winterset, Iowa
Jean W. Lange

FR - 6-5-96
NP - **

3(a)(3)

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

FR - 5-25-96
^jp _ **

3(a)(3)

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

FR - 6-10-96
NP - 6-2-96

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 - **




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)

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




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

Comment Period
Ending Date

Type

Application

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 - 5-17-96

4(c)(8)

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

FR - 5-31-96

4(c)(8)

Anita Bancorporation
Newton, Iowa
engage in making & servicing loans

FR - 5-16-96

4(c)(8)

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

FR - 5-30-96




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
with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed during the
week ending May 17, 1996. If you are interested in obtaining a copy of the evaluation document, please contact
the bank(s) directly.
Identification of Ratines
O -

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

S-

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

NI -

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

SN -

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

BANK NAME/LOCATION

EXAMINATION DATE

RATINGS

Mercantile Bank of Polk County
(formerly Hawkeye Bank)
431 East Locust Street
Des Moines, Iowa 50309-1999
(515) 248-7700

12/26/95

S

The Northern Trust Company
50 South LaSalle Street
Chicago, Illinois 60675-0002
(312) 630-6000

12/18/95

S




Federal Reserve Bank o f Chicago
Section VI - CRA Examinations Scheduled
The following state member banks are tentatively scheduled for a CRA examination during the second quarter of
1996. Examinations may have to be rescheduled durihg the calendar quarter in which they are designated to begin.
If an institution’s examination is scheduled for a date later than the end of the date range reflected in a published
schedule, the institution’s name will be republished in an appropriate later listing. Any comments received as a result
of either the first publication or subsequent publications will be considered during the examination.
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
13.
14.
15.
16.
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
37.
38.

Grant State Bank
Kent City State Bank
Iowa State Bank and Trust Company
Farmers State Bank of W estern Illinois
Security Bank
Security State Bank
The Farmers Bank of Mt. Pulaski
The Onsted State Bank
Templeton Savings Bank
Villa Park Trust & Savings Bank
M&I Bank of Burlington
Bank One, Bloomington-Normal
Huron Community Bank
State Bank of Caledonia
Farmers State Bank of Breckenridge
Citizens Commercial & Savings Bank
Prairie Bank and Trust Company
Glenwood State Bank
Firstar Bank
Millbrook-Newark Bank
Iowa State Bank
NBD Bank
Fifth Third Bank of Central Indiana
Hartsburg State Bank
Bank One, Peoria
OMNIBANK
Green Lake State Bank
DeMotte State Bank
Union Bank and Trust Company
Peoples Bank and Trust Company
Royal American Bank
First Bank & Trust Company
City State Bank
M&I Mid State Bank
M&I Bank of Racine
M&I Bank of Janesville
M&I Northern Bank
M&I Central State Bank




Grant, Michigan
Kent City, Michigan
Fairfield, Iowa
New Windsor, Illinois
Marshalltown, Iowa
Hartley, Iowa
Mount Pulaski, Illinois
Onsted, Michigan
Templeton, Iowa
Villa Park, Illinois
Burlington, Wisconsin
Bloomington, Illinois
East Tawas, Michigan
Caledonia, Michigan
Breckenridge, Michigan
Flint, Michigan
Bridgeview, Illinois
Glenwood, Iowa
Naperville, Illinois
Newark, Illinois
Hull, Iowa
Detroit, Michigan
Indianapolis, Indiana
Hartsburg, Illinois
Peoria, Illinois
River Rouge, Michigan
Green Lake, Wisconsin
DeMotte, Indiana
Evansville, Wisconsin
Sunman, Indiana
Inverness, Illinois
Glidden, Iowa
Ogden, Iowa
Stevens Point, Wisconsin
Racine, Wisconsin
Janesville, Wisconsin
Brookfield, Wisconsin
Oshkosh, Wisconsin

Federal Reserve Bank of St. Louis
FOR THE W EEK ENDING MAY 17, 1996
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application

End o f Comment Period

* Section 9 application by Fifth Third Bank of Kentucky,
Inc., Louisville, Kentucky, to relocate a branch office from
269 West M ain Street to 250 West Main Street, Lexington,
Kentucky.

6-6-96

* Section 9 application by Lemay Bank and Trust Company,
St. Louis, Missouri, to relocate its main office from 152
Lemay Ferry Road to 2191 Lemay Ferry Road, St. Louis,
Missouri.

6-10-96

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEW SPAPER AND FEDERAL REGISTER NOTICE
Application
* Section 3(a)(3) application by Arkansas Banking
Company, Jonesboro, Arkansas, to acquire Mercantile
Bank of Batesville, N .A ., Batesville, Arkansas.
* Section 3(a)(3) application by Chambers Bancshares, Inc.,
Danville, Arkansas, to acquire ACME Holding Company,
Inc., M ulberry, Arkansas.

End o f Comment Period

Newspaper: 6-14-96

Newspaper: 6-17-96

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application

End o f Comment Period

None.

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEW SPAPER NOTICE
Application
None.*
* This application/notification subject to CRA.




End o f Comment Period

FEDERAL RESERVE BANK OF ST. LOUIS
St. Louis, Missouri
AVAILABILITY OF CRA PUBLIC DISCLOSURES

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

FOR THE WEEK ENDING May 17, 1996

Name of Bank
None




Bank Address

Examination
Date

Examination
Rating

SECTION VI - CRA EXAMINATIONS SCHEDULED
Exam inations may have to be rescheduled during the calendar quarter in which they are designated to
begin. If an institution's examination is rescheduled for a date later than the end o f the date range reflected
in a published schedule, the institution's name will be republished in an appropriate later listing. Any
comments received as a result o f either the first publication or subsequent publications will be considered
during the examination.
Charter State Bank, Beebe, Arkansas
First Community Bank, Conway, Arkansas
First Bank of Arkansas, Wynn, Arkansas
The First State Bank o f Dongola, Dongola, Illinois
State Bank of Farina, Farina, Illinois
Fayette County Bank, St. Elmo, Illinois
Elberfeld State Bank, Elberfeld, Indiana
The Peoples Bank and Trust Company, Greensburg, Kentucky
Citizens Bank, Hartford, Kentucky
Mid-America Bank of Louisville & Trust Co., Louisville, Kentucky
Bank of Gainesville, Gainesville, Missouri
Mid-west Independent Bank, Jefferson City, Missouri
Bank of Cairo and Moberly, Moberly, Missouri
Belgrade State Bank, Potosi, Missouri
Boatmen’s Bank of Vandalia, Vandalia, Missouri




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
Retroactive notification by M. Gene Clark
Revocable Trust to acquire control of 25.5%
of the voting shares of Windom State Investment
Company, Windom, Minnesota.

Not yet available

^Subject to CRA

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

Application
Norwest Corporation, Minneapolis,
Minnesota, to engage de novo in residential
mortgage lending through Real Estate Financial,
Palm Harbor, Florida, a joint venture with First
in Real Estate Corporate Center, Inc.

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 ending May 17, 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.
BANRIS) EXAMINED

DATE OF EXAMINATION

CRA RATING

Ronan State Bank
P.O. Box B
Ronan, Montana 59864-0069
(406)676-4600

January 29, 1996

Outstanding




Federal Reserve Bank of Minneapolis
Section VI -CRA Examinations Scheduled
Scheduled to Begin in the Period July 1, 1996 - September 30, 1996

Examinations may have to be rescheduled during the calendar quarter in which they are designated to
begin. If an institution’s examination is rescheduled for a date later than the end of the date range
reflected in a published schedule, the institution’s name will be republished in an appropriate later
listing. Any comments received as a result of either the first publication or subsequent publications
will be considered during the examination. Written comments should be directed to Ms. Jacquelyn
Brunmeier at the Federal Reserve Bank of Minneapolis, Banking Supervision Department, P.O. Box
291, Minneapolis, Minnesota, 55480-0291.
Bank Name

City

State

United Bankers’ Bank
Root River State Bank
North Shore Bank of Commerce
Grand Marais State Bank
Grand Rapids State Bank
Le Sueur State Bank
Dakota Bank
Marquette Capital Bank
Peoples State Bank of Plainview
Plaza Park State Bank
American Bank
Ravalli County Bank
First Security Bank of Laurel
First Security Bank of Malta
The First State Bank of Malta
Lake County Bank
State Bank of Terry
Citizens State Bank
Pioneer Bank & Trust
Dacotah Bank
Fulton State Bank
M & I Community State Bank
M & I Bank of La Crosse
M & I Citizens American Bank

Bloomington
Chatfield
Duluth
Grand Marais
Grand Rapids
Le Sueur
Mendota Heights
Minneapolis
Plainview
Waite Park
Billings
Hamilton
Laurel
Malta
Malta
St. Ignatius
Terry
Arlington
Belle Fourche
Clark
Fulton
Eau Claire
La Crosse
Merrill

Minnesota
Minnesota
Minnesota
Minnesota
Minnesota
Minnesota
Minnesota
Minnesota
Minnesota
Minnesota
Montana
Montana
Montana
Montana
Montana
Montana
Montana
South Dakota
South Dakota
South Dakota
South Dakota
Wisconsin
Wisconsin
Wisconsin




Federal Reserve Bank of Kansas City

SE C T IO N I - A PPLIC A TIO N S SU BJECT TO N EW SPA PER N O TIC E ONLY
APPLICATION

m

PERIOD ENDING DATE

None.
SEC TIO N II - A PPLICA TIO N S SU BJECT TO BO TH
N EW SPA PER AND FED ER A L R EG ISTER N O TIC E
APPLICATION

COMMENT PERIOD ENDING DATE

Pembroke Bancshares, Inc., and Union Bancshares,
Inc., both of Kansas City, Missouri, to acquire 100
percent of the voting shares and merge with Missouri
Valley Bancshares, Inc., Mountain Grove, M issouri.*

June 10, 1996

SEC TIO N m - A PPLIC A TIO N S SUBJECT TO FED ERA L R EG ISTER N O T IC E ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

INTRUST Financial Corporation, Wichita, Kansas,
for prior approval to engage de novo through its
subsidiary, INTRUST Community Development
Corporation, Wichita, Kansas, in community
development activities.

June 4, 1996

Fort Calhoun Investment Co., Fort Calhoun,
Nebraska, for prior approval to place an insurance
agent in the loan production office of Fort Calhoun
State Bank, Fort Calhoun, Nebraska.

Not Available

SEC TIO N IV - A PPLIC A TIO N S NOT SU BJECT TO FED ERA L R E G IS T E R N O TIC E

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 o f m eeting 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 m eeting community credit needs
An institution in this group has a satisfactory record o f 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 m eeting 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 noncom pliance in m eeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.

Bank/Location

Exam Date

CRA Public
Date

Rio Blanco State Bank
222 W est M ain
Rangely, Colorado 81648-2623

02/12/96

05/13/96

Satisfactory

Pitkin County Bank & Trust
P.O . Box 3677
Aspen, Colorado 81612-3677

02/05/96

05/16/96

Outstanding




CRA
Rating

Federal Reserve Bank of Kansas City

V I.

CRA Exam inations Scheduled th ird and fourth q u a rte r of 1996

BA NK N A M E

CITY

STATE

Pitkin County Bank & Trust
Vectra Bank of Boulder
Greenhorn Valley Bank
State Bank & Trust of
Colorado Springs
First Security Bank of Craig
Rio Grande County Bank
Vectra Bank
First State Bank of Ft. Collins
Union Colony Bank
First State Bank of Hotchkiss
Bank of Louisville
M ontrose Bank
W estStar Bank
Union State Bank
Citizens State Bank in Galena
The Bank of Holyrood
First State Bank & Trust Co.
The First State Bank
M ercantile Bank
The Peoples Bank
The State Bank
Bank of Holden
Community Bank & Trust
Sac River Valley Bank
The Bank of Versailles
Platte Valley State Bank & Trust
Wahoo State Bank
First State Bank of Taos
Anadarko Bank & Trust Co.
Boswell State Bank
First Bank of Chandler
Clayton State Bank
Citizens Bank
The First Bank
The Bankers Bank
Citizens Bank & Trust Co.
First StateBank in Temple
Star Valley Bank
Wyoming Bank & Trust
W estern Bank of Cody

Aspen
Boulder
Colorado City

CO
CO
CO

Colorado Springs
Craig
Del Norte
Denver
Ft. Collins
Greeley
Hotchkiss
Louisville
Montrose
Vail
Clay Center
Galena
Holyrood
Lamed
Ness City
Overland Park
Pratt
Winfield
Holden
Neosho
Stockton
Versailles
Kearney
Wahoo
Taos
Anadarko
Boswell
Chandler
Clayton
Lawton
Moore
Oklahoma City
Okmulgee
Temple
Afton
Buffalo
Cody

CO
CO
CO
CO
CO
CO
CO
CO
CO
CO
KS
KS
KS
KS
KS
KS
KS
KS
MO
MO
MO
MO
NE
NE
NM
OK
OK
OK
OK
OK
OK
OK
OK
OK
WY
WY
WY




Federal Reserve Bank of Kansas City

Jackson State Bank
Bank of Laramie
Uinta County State Bank
First State Bank of Newcastle
Farmers State Bank

Jackson
Laramie
Mountain View
Newcastle
Pine Bluffs

WY
WY
WY
WY
WY

Examinations may have to be rescheduled during the calendar quarter in
which they are designated to begin. If an institution’s examination is
rescheduled for a date later than the end of the date range reflected in a
published schedule, the institution’s name will be republished in an
appropriate later listing. Any comments received as a result of either the
first publication or subsequent publications will be considered during the
examination.*
*Application is subject to CRA.




FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN

APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF MAY 13, 1996
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
NOTICE EXP

APPLICATION
None.
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
APPLICATION
Change in Control Notice by
Metroplex North Bancshares, Inc. ESOP, Whitesboro,
TX, to acquire an interest in
Metroplex North Bancshares, Inc., Whitesboro, TX
(Previously reported during the week of 3-25-96)
Change in Control Notice by
Donald R. Grobowsky, Temple, TX, to acquire an interest
in Central Community Corporation, Temple, TX
(Resubmission)
(Previously reported during the week of 4-22-96)

**
* NOTICE EXP

96/05/02

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 MAY 13. 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

SECTION VI - CRA EXAMINATIONS SCHEDULED

(3rd Qtr. 1996)

Examinations may have to be rescheduled during the calendar quarter in which
they are designated to begin.
If an institution’s examination is rescheduled
for a date later than the end of the date range reflected in a published
schedule, the institution’s name will be republished in an appropriate later
listing. Any comments received as a result of either the first publication or
subsequent publications will be considered during the examination.

Bank
First State Bank
Junction, Texas
First Bank & Trust of Clarendon
Clarendon, Texas
Landmark Bank Mid-Cities
Euless, Texas
United Texas Bank
Dallas, Texas
Minden Bank & Trust Company
Minden, Louisiana
The Security State Bank of Pecos
Pecos, Texas
First Bank & Trust Company
Dawson, Texas
Bank of Houston
Houston, Texas
First State Bank of Mineral Wells
Mineral Wells, Texas
Wellington State Bank
Wellington, Texas




FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 5/17/96
Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

None

Section II - Applications Subject to Both

Nswspapgr..apd..Federal, Register Notice
InterW est Bancorp, Inc., Oak H arbor, Washington,
to merge with Central Bancorporation, Wenatchee,
Washington. *

Newspaper:

Not Available

Fed. R eg.:

Not Available

InterW est Bancorp, Inc., Oak H arbor, Washington,
to acquire 19.9 percent of Central Bancorporation,
W enatchee, Washington. *

Newspaper:

Not Available

Fed. R eg.:

Not Available

Section III -Applications Subject to Federal Register Only
Community Bancshares, Inc., Joseph, Oregon, to
acquire Citizens Title & Escrow Service, Inc.,
Enterprise, Oregon.

Fed. R eg.:

06/05/96

Capital Corp of the West, M erced, California,
to acquire Town and Country Finance and Thrift
Company, Turlock, California.

Fed. Reg.:

06/04/96

Section IV - Applications Not Subject to Federal Register Notice
or Newspaper Notice (C ont'd.l
The Sun City Bank, Sun City, Arizona, to make an additional investment in bank premises.

* Subject to CRA.




FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 5/17/96
Section V - Availability o f 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:
O utstan d in g record of m eeting com m unity cre d it 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 reco rd of m eeting com m unity cre d it needs: An institution has a satisfactory record of
ascertaining and meeting 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 Im prove reco rd of m eeting com m unity cred it needs: An institution needs to improve its
overall record of ascertaining and helping to meet the credit needs o f its entire delineated community,
including low- to moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
S ubstantial N oncom pliance in m eeting com m unity cred it needs: An institution has a substantially
deficient record of ascertaining and helping to meet the credit needs o f 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 SAN FRANCISCO
Week ending 5/17/96
Section VI - CRA Examinations Scheduled
Pursuant to the requirements of Section 228.45 Regulation BB (Community Reinvestment
Act or CRA), the following is a tentative schedule of CRA examinations planned for the
third quarter of 1996. The data are being provided for your information should you
wish to share comments with this Reserve Bank regarding the CRA performance of a
scheduled bank’s examination.
Examinations may have to be rescheduled during the calendar quarter in which they are
designated to begin. If an institution’s examination is rescheduled for a date later
than the end of the date range reflected in a published schedule, the institution’s
name will be republished in an appropriate later listing. Any comments received as a
result of either the first publication or subsequent publications will be considered
during the examination. Written comments should be directed to W. Gordon Smith at the
Federal Reserve Bank of San Francisco, Credit, Compliance and Community Affairs
Department (MS 620), 101 Market Street, San Francisco, California 94105.
Name
American Pacific Bank
Bank of Coronado
Bank of Utah
Concord Commercial Bank
Cuyamaca Bank
First American Bank
Oak Valley Community Bank
Santa Barbara Bank & Trust
The Prineville Bank
Valley Community Bank
Westside Bank




Citv
Aumsville
Coronado
Ogden
Concord
Santee
Rosemead
Oakdale
Santa Barbara
Prineville
McMinnville
Tracy

State
Oregon
California
Utah
California
Califonria
Cal ifornia
California
California
Oregon
Oregon
California

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