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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H.2, 1993, No. 21
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending May 22, 1993

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

TESTIMONY AND STATEMENTS
Home Ownership and Equity Protection Act of 1993,
S. 924, -- statement by Governor Lindsey before the
Senate Committee on Banking, Housing, and Urban
Affairs, May 19, 1993.
Authorized, May 17, 1993.

BANK HOLDING COMPANIES
Bank South Corporation, Atlanta, Georgia -- to engage
in securities and securities-related activities
through Bank South Securities Corporation.
Approved, May 19, 1993.
CBT Corporation, Paducah, Kentucky, and Citizens Bank
and Trust Company -- to purchase certain assets and
assume certain liabilities of three branches of
Security Trust Federal Savings & Loan Association,
Knoxville, Tennessee.
Approved, May 17, 1993.
Chemical Banking Corporation, New York, New York -to engage de novo, to a limited extent, in
underwriting and dealing in debt securities through
Chemical Securities Inc.
Permitted, May 17, 1993.
First Colonial Bankshares Corporation, Chicago,
Illinois -- to acquire Hi-Bancorp, Inc., Highwood;
the Bank of Highwood; GNP Bancorp, Inc., Mundelein,
Illinois, and New Century Bank.
Denied, May 17, 1993.
First Union Corporation, Charlotte, North Carolina -to acquire First American Metro Corp., McLean,
Virginia, and First American Bank of Virginia; and
First American Bank of Maryland, Silver Spring,
Maryland.
Approved, May 20, 1993.
BANK MERGERS




Chemical Bank, New York, New York --to merge with
Texas Commerce Banks, Newark, Delaware.
Approved, May 17, 1993.

H .2
MAY 17, 1993
PAGE 2

TO

MAY 21, 1993

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

ENFORCEMENT
Country Hill Bank, Lenexa, Kansas -- cease and desist
order issued jointly by the Board of Governors and
the Office of the State Bank Commissioner of the
State of Kansas.
Announced, May 19, 1993.
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
ABBREVIATIONS: BS&R - Banking Supervision and Regulation; C&CA - Consumer and
Community Affairs; FOMC - Federal Open Market Committee; FRBO - Federal Reserve
Bank Operations; IF - International Finance; OSDM - Office of Staff Director
for Management
BANK BRANCHES. DOMESTIC




New York

Chemical Bank, New York, New York -- to establish
offsite electronic facilities at Shoprite
Supermarkets Inc., 2795 Richmond Avenue, Staten
Island, New York, and Mount Sinai Medical Center,
Klingenstein Clinical Center, 1450 Madison Avenue,
New York, New York.
Approved, May 19, 1993.

Richmond

Commerce Bank of Virgina, Richmond, Virginia --to
establish a branch at U.S. Route 250 at
Centerville, Manakin Sabot, Virginia.
Approved, May 17, 1993.

Richmond

F & M Bank-Winchester, Winchester, Virginia -- to
establish an electronic funds transfer facility
inside the Sheetz Convenience Store at the
intersection of Route 11 and Route 42, Woodstock,
Virginia.
Approved, May 19, 1993.

Cleveland

Fifth Third Bank, Cincinnati, Ohio - - t o establish a
branch at 1093 State Route 28 Bypass, Milford,
Ohio.
Approved, May 21, 1993.

H.2
MAY 17, 1993
PAGE 3

TO

MAY 21, 1993

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

BANK BRANCHES. DOMESTIC
Richmond

First Virginia Bank, Falls Church, Virginia -- to
establish a branch at 1490 Point Village Center,
Reston, Virginia.
Approved, May 17, 1993.

Chicago

Lapeer County Bank & Trust Co., Lapeer, Michigan -to establish a branch at 6002 N. Lapeer Road, North
Branch, Michigan.
Approved, May 21, 1993.

Chicago

Royal American Bank, Inverness, Illinois --to
establish a branch at 1000 Tower Lane, Bensenville,
Illinois.
Approved, May 21, 1993.

Richmond

State Bank of the Alleghenies, Covington, Virginia -to establish a branch at the intersection of U.S.
Route 220 and Kingtown Lane, Hot Springs, Virginia.
Approved, May 21, 1993.

BANK HOLDING COMPANIES




Kansas City

ANB Bankcorp, Inc., Bristow, Oklahoma -- to acquire
certain assets and assume certain liabilities of
the Tulsa 41st branch of Cimarron Federal Savings
Association, Muskogee, Oklahoma.
Approved, May 21, 1993.

Chicago

Associated Banc-Corp., Green Bay, Wisconsin -- to
acquire Wausau Financial Corporation, Wausau,
Wisconsin, and Citizens Bank & Trust.
Approved, May 19, 1993.

Director, BS&R

Banc One Corporation, Columbus, Ohio -- relief from
certain commitments contained in Board's order
dated March 25, 1991.
Granted, May 19, 1993.

H.2
MAY 17, 1993
PAGE 4

TO

MAY 21, 1993

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

BANK HOLDING COMPANIES




Richmond

BB&T Financial Corporation, Wilson, North Carolina -proposal that Branch Banking and Trust Company
acquire certain assets and assume certain
liabilities of nine branches of 1st Home Federal
Savings and Loan Association of the Carolinas,
F.A., Greensboro, North Carolina.
Approved, May 18, 1993.

St. Louis

Boatmen's Bancshares, Inc., St. Louis, Missouri -proposal that Boatmen’s First National Bank of
Oklahoma, Oklahoma City, Oklahoma, acquire certain
assets and assume certain liabilities of the South
Lewis branch in Tulsa, Oklahoma, and the
Batesville, Oklahoma, branch of Cimarron Federal
Savings Association, Muskogee, Oklahoma.
Approved, May 21, 1993.

St. Louis

Boatmen's Bancshares, Inc., St. Louis, Missouri -proposal that the nonbanking activities of Superior
Federal Bank, Federal Savings Bank, Fort Smith,
Arkansas, be expanded by Superior purchasing
certain assets and assuming certain liabilities of
18 branches of Cimarron Federal Savings
Association, Muskgoee, Oklahoma.
Approved, May 21, 1993.

Richmond

CCB Financial Corporation, Durham, North Carolina -proposal that Central Carolina Bank, Durham, North
Carolina, acquire certain assets and assume certain
liabilities of ten branches of 1st Home Federal
Savings and Loan Association of the Carolinas,
F.A., Greensboro, North Carolina.
Approved, May 18, 1993.

New York

Citicorp, New York, New York -- determination that
Colby H. Chandler may continue to serve on the
board of directors of Citicorp, while also serving
on the board of directors of Ford Motor Company,
Dearborn, Michigan.
Granted, May 21, 1993.

H.2
MAY 17, 1993
PAGE 5

TO

MAY 21, 1993

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

BANK HOLDING COMPANIES




Kansas City

Continental Security Bancshares, Inc., Springfield,
Missouri -- to acquire Deepwater State Bank,
Deepwater, Missouri.
Withdrawn, May 19, 1993.

St. Louis

First Trust Financial Corporation, Clinton,
Kentucky -- to acquire First National Bank of
Clinton.
Approved, May 18, 1993.

St. Louis

First Trust Financial Corporation, Clinton,
Kentucky -- proposal that First National Bank of
Clinton purchase the assets and assume certain
liabilities of the Hickman, Fulton, and Clinton,
Kentucky, branches of Security Trust Federal
Savings and Loan Association, Knoxville, Tennessee.
Approved, May 18, 1993.

Richmond

First Union Corporation, Charlotte, North Carolina -proposal that Dominion Bank of Washington, N.A.,
Washington, D.C., acquire certain assets and assume
certain liabilities of the Washington, D.C., office
of Meritor Savings, F.A., Winter Haven, Florida.
Approved, May 21, 1993.

Richmond

First Union Corporation, Charlotte, North Carolina -proposal that First Union National Bank of Florida,
Jacksonville, Florida, merge with Meritor Savings,
F.A., Winter Haven, Florida.
Approved, May 21, 1993.

Richmond

First Union Corporation, Charlotte, North Carolina -proposal that Dominion Bank of Maryland, N.A.,
Rockville, Maryland, acquire certain assets and
assume certain liabilities of the Maryland office
of Meritor Savings, F.A., Winter Haven, Florida.
Approved, May 21, 1993.

Richmond

First Union Corporation, Charlotte, North Carolina -proposal that Dominion Bank, N.A., Roanoke,
Virginia, acquire certain assets and assume certain
liabilities of the Virginia offices of Meritor
Savings, F.A., Winter Haven, Florida.
Approved, May 21, 1993.

H .2
MAY 17, 1993
PAGE 6

TO

MAY 21, 1993

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

BANK HOLDING COMPANIES
New York

KeyCorp, Albany, New York - -to acquire Key Bank of
Colorado, successor to Home Federal Savings Bank,
Fort Collins, Colorado, and to exercise an option
to purchase additional shares.
Approved, May 19, 1993.

Kansas City

Lake Bancshares Corporation, Langley, Oklahoma -- to
acquire certain assets and assume certain
liabilities of the Collinsville, Oklahoma, branch
of Cimarron Federal Savings Association, Muskogee,
Oklahoma.
Approved, May 21, 1993.

Dallas

Netex Bancorporation, Pittsburg, Texas --to acquire
First State Bank.
Approved, May 21, 1993.

GC

State First Financial Corporation, Texarkana,
Arkansas -- determination that sale of real estate
parcel by SFFC constitutes effective divestiture.
Granted, May 21, 1993.

BANK PREMISES




Richmond

Central Virginia Bank, Powhatan, Virginia -investment in bank premises.
Approved, May 21, 1993.

Cleveland

Commercial Bank, Delphos, Ohio -- investment in bank
premises.
Approved, May 17, 1993.

Atlanta

Dadeland Bank, Miami, Florida -- investment in bank
premises.
Approved, May 18, 1993.

Richmond

F & M Bank-Winchester, Winchester, Virginia -investment in bank premises.
Approved, May 20, 1993.

San Francisco

Guardian State Bank, Salt Lake City, Utah -investment in bank premises.
Approved, May 18, 1993.

H.2
MAY 17, 1993
PAGE 7

TO

MAY 21, 1993

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

BANKS. STATE MEMBER

Dallas

State Bank & Trust Company, San Antonio, Texas -payment of a dividend.
Approved, May 21, 1993.

CAPITAL STOCK

Chicago

Corydon Bancorporation, Corydon, Iowa -- redemption
of shares.
Returned, May 18, 1993.

Minneapolis

Walker Ban Co., Walker, Minnesota -- redemption of
shares.
Returned, May 17, 1993.

CHANGE IN BANK CONTROL




Kansas City

Citadel Bancorporation, Colorado Springs, Colorado change in bank control.
Permitted, May 20, 1993.

Dallas

Citizens Bancshares, Inc., Crosbyton, Texas -- chang
in bank control.
Permitted, May 21, 1993.

Chicago

Corydon Bancorporation, Corydon, Iowa -- change in
bank control.
Returned, May 18, 1993.

Atlanta

First State Bancshares of Blakely, Blakely, Georgia
- change in bank control.
Permitted, May 19, 1993.

Atlanta

Middle Georgia Bankshares, Inc., Unadilla, Georgia change in bank control.
Permitted, May 17, 1993.

Dallas

Red River Financial Corporation, Detroit, Texas -change in bank control.
Permitted, May 21, 1993.

Kansas City

Rimco, Inc., Rangley, Colorado -- change in bank
control.
Permitted, May 20, 1993.

H.2
MAY 17, 1993
PAGE 8

TO

MAY 21, 1993

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

COMPETITIVE FACTORS REPORTS




Dallas

Bank of Kerrville, Kerrville, Texas, proposed merger
with First National Bank of Kerrville -- report on
competitive factors.
Submitted, May 19, 1993.

Chicago

Bank of Montgomery, Montgomery, Illinois, proposed
merger with Montgomery Interim Bank -- report on
competitive factors.
Submitted, May 18, 1993.

San Francisco

Bank U.S.A., N.A., Kihei, Hawaii, proposed purchase
and assumption of four branches of First Hawaiian
Bank, Honolulu, Hawaii -- report on competitive
factors.
Submitted, May 18, 1993.

Richmond

Branch Banking and Trust Company, Wilson, North
Carolina, proposed merger with Edenton Bank,
Edenton, North Carolina -- report on competitive
factors.
Submitted, May 17, 1993.

Atlanta

Brent Banking Company, Brent, Alabama, proposed
purchase of certain assets and assumption of
certain liabilities of the Woodstock, Alabama, and
Centreville, Alabama, branches of The Peoples Bank,
Elba, Alabama -- report on competitive factors.
Submitted, May 17, 1993.

Atlanta

Chase Manhattan Bank of Florida, Tampa, Florida,
proposed merger with Chase Bank International,
Miami, Florida -- report on competitive factors.
Submitted, May 19, 1993.

Kansas City

First Commercial Bank, SSB, Lawton, Oklahoma,
proposed merger with First Financial Savings and
Loan Association -- report on competitive factors.
Submitted, May 17, 1993.

New York

First Fidelity Bank, National Association, Newark,
New Jersey, proposed acquisition of certain assets
and assumption of certain liabilities of The Dime
Savings Bank of New Jersey, Somerset, New Jersey -report on competitive factors.
Submitted, May 20, 1993.

H .2
MAY 17, 1993
PAGE 9

TO

MAY 21, 1993

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

COMPETITIVE FACTORS REPORTS




Kansas City

First National Bank and Trust Company of Columbus -Columbus, Nebraska, proposed acquisition of the
assets and assumption of the liabilities of
Republic Bank of Nebraska
report on competitive
factors.
Submitted, May 17, 1993.

St. Louis

First National Bank of Clinton, Clinton, Kentucky,
proposed purchase of certain assets and assumption
of certain liabilities of the Clinton, Kentucky,
branch of Security Trust Federal Savings and Loan
Association, Knoxville, Tennessee -- report on
competitive factors.
Submitted, May 19, 1993.

St. Louis

First National Bank of Clinton, Clinton, Kentucky,
proposed purchase of certain assets and assumption
of certain liabilities of the Fulton and Hickman,
Kentucky, branches of Security Trust Federal
Savings and Loan Association, Knoxville,
Tennessee -- report on competitive factors.
Submitted, May 19, 1993.

St. Louis

First National Bank of Clinton, Clinton, Kentucky,
proposed merger with Clinton Interim National
Bank -- report on competitive factors.
Submitted, May 19, 1993.

New York

Hudson United Bank, Union City, New Jersey, proposed
acquisition of certain assets and assumption of
certain liabilities of Pilgrim State Bank, Cedar
Grove, New Jersey -- report on competitive factors
Submitted, May 19, 1993.

San Francisco

Key Bank of Washington, Tacoma, Washington, proposed
merger with Northwestern National Bank, Port
Angeles, Washington -- report on competitive
factors.
Submitted, May 18, 1993.

H.2
MAY 17, 1993
PAGE 10

TO

MAY 21, 1993

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

COMPETITIVE FACTORS REPORTS




Atlanta

Liberty Bank of Pensacola, Florida -- proposed
purchase of certain assets and assumption of the
deposit liabilities of the Century, Florida, branch
of Liberty Bank of Fort Walton Beach, Florida -report on competitive factors.
Submitted, May 17, 1993.

Kansas City

Metropolitan Federal Bank, FSB, Fargo, North Dakota,
proposed merger with Eureka Savings Bank, Eureka,
Kansas -- report on competitive factors.
Submitted, May 18, 1993.

Atlanta

NationsBank of Florida, N.A., Tampa, Florida,
proposed merger with NationsBank International
Miami, Miami, Florida -- report on competitive
factors.
Submitted, May 19, 1993.

New York

Pilgrim State Bank, Cedar Grove, New Jersey, proposed
merger with The Ramapo Bank, Wayne, New Jersey -report on competitive factors.
Submitted, May 20, 1993.

Cleveland

Smithfield State Bank, Smithfield, Pennsylvania,
proposed merger with the Point Marion branch of
Huntington National Bank of Pennsylvania,
Uniontown, Pennsylvania -- report on competitive
factors.
Submitted, May 18, 1993.

Cleveland

Society National Bank, Cleveland, Ohio, proposed
merger with Society Bank & Trust, Toledo, Ohio -report on competitive factors.
Submitted, May 19, 1993.

Richmond

Southern National Bank of Lumberton, Lumberton, North
Carolina, proposed merger with East Coast Savings
Bank, S.S.B., Goldsboro, North Carolina -- report
on competitive factors.
Submitted, May 20, 1993.

H.2
MAY 17, 1993
PAGE 11

TO

MAY 21, 1993

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

COMPETITIVE FACTORS REPORTS

Atlanta

SouthTrust Bank of Southwest Florida, National
Association, Cape Coral, Florida, proposed merger
with The National Bank of Lee County, Fort Myers,
Florida -- report on competitive factors.
Submitted, May 17, 1993.

Cleveland

Star Bank, N.A., Ironton, Ohio; Tri-State; Star Bank,
N.A., Hillsboro, Hillsboro; Star Bank, N.A., Troy,
Troy; Star Bank, Preble County, Eaton; Star Bank,
N.A., Sidney; Sidney; and Star Bank, Central Ohio,
Columbus, Ohio, proposed merger with Star Bank,
N.A., Cincinnati, Ohio -- report on competitive
factors.
Submitted, May 18, 1993.

EXTENSIONS OF TIME




San Francisco

BankAmerica Corporation, San Francisco, California -extension to divest certain property.
Granted, May 20, 1993.

Richmond

Eagle Financial Services, Inc., Berryville,
Virginia -- extension to August 21, 1993, to engage
in community development activities.
Granted, May 21, 1993.

Richmond

Easton Bancorp, Inc., Easton, Maryland -- extension
to August 13, 1993, to acquire Easton Bank & Trust
Company.
Granted, May 17, 1993.

Cleveland

Fidelity Bancorp, Inc., Pittsburgh, Pennsylvania -extension to August 24, 1993, to acquire Fidelity
Savings Bank.
Granted, May 19, 1993.

St. Louis

PNC Bank, Kentucky, Inc. (formerly Citizens Fidelity
Bank and Trust Company), Louisville, Kentucky -extension to August 13, 1993, to establish a branch
at the corner of U.S. 42 and KY 22.
Granted, May 19, 1993.

H.2
MAY 17, 1993
PAGE 12

TO

MAY 21, 1993

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

REGULATIONS AND POLICIES




Secretary
FOMC

Federal Open Market Committee -- minutes of the
meeting on March 23, 1993.
Published, May 21, 1993.

ADDITIONS AND CORRECTIONS

H.2

MAY 17, 1993
PAGE 13

TO

MAY 21, 1993

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

ENFORCEMENT

Daniel Young -- notice of intent to prohibit, notice
of charges and of hearing, and notice of assessment
of a civil money penalty against Mr. Young, a
former institutional-affiliated party of
Manufacturers Hanover Trust Company (now Chemical
Bank).
Announced, May 10, 1993.

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

BANK HOLDING COMPANIES

Chicago

Continental Bank Corporation, Chicago, Illinois -- to
engage de novo in the provision of asset management
services through Repechage Partners Ltd.
Returned, May 14, 1993.

EXTENSIONS OF TIME




Chicago

Comerica Incorporated, Detroit Michigan -- extension
to August 28, 1993, to acquire Nasher Financial
Corporation, Dallas, Texas, NorthPark National
Corporation, and NorthPark National Bank of Dallas.
Granted, May 14, 1993.

Chicago

Comerica Texas Incorporated, Detroit, Michigan -extension to August 28, 1993, to acquire Nasher
Financial Corporation, Dallas, Texas, NorthPark
National Corporation, and NorthPark National Bank
of Dallas.
Granted, May 14, 1993.

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

Fleet Financial Group,
Inc., Providence, Rhode Island
4( c ) (8) notification to transfer
Fleet Factors Corporation, New York,
New York from Fleet Bank of New York,
Albany, New York, to Fleet Financial
Group, Inc., Providence, Rhode Island

Federal Register
Not Yet Established

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

♦Subject to CRA




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




Examination Date

NONE

Rating*

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

Comment Period
Ending Date

SECTION I
Applications Subject to Newspaper
___________ Notice Only___________
None.
SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
Corporacion Bancaria de Espana, S.A., Madrid, Spain, to become
a bank holding company in connection with its acquisition of
69.2 percent of the shares of Banco Exterior de Espana, S.A.,
Madrid, Spain, a bank holding company with respect to Extebank,
Stony Brook, New York.l/

6/18/93 3/

SECTION III
Nonbanking Applications
(Subject to Federal Register Notice Only)
U.S. Trust Corporation, New York, New York, to acquire all of
the issued and outstanding stock of CTMC Holding Company, its
subsidiary, Capital Trust Management Company, and its subsidiary,
Capital Trust Company, all of Portland, Oregon, and engage
in trust company and investment advisory activities.
SECTION IV
Applications Not Involving
______ Public Comment______
None.
SECTION V
Availability of CRA Public Evaluations
In connection with the assessment of each insured depository
institution's CRA performance, a rating is assigned from the
following group:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and
is a leader in, ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.




N/A

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 neighbor
hoods, in a manner consistent with its resources and capabilities.
Week Ending Mav 22. 1993
NAME OF BANK

RATING

EXAMINATION DATE

None.

1/
2/
3/
4/

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




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

Comment Period Ending Date
None*

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

None.

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY

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

None.

1/ Subject to provisions of Community Reinvestment Act.

*

N/A - not yet available.




FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION V ~ AVAILABILITY OF CRA PUBLIC EVALUATIONS
The following institutions were examined for CRA. The 30-business day period the bank
has to make the evaluation public has lapsed during the week ending Hay 21, 1993
Identification of Ratings
In connection with the assessment of each insured depository
performance, a rating is assigned from the following groups:

institution's

CRA

Outstanding record of meeting community credit needs.

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

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

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

An institution in this group has a substantially deficient record of ascertaining
and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.
Bank/Location
United Bank of Philadelphia
714 Market Street
Piladelphia, PA 19106




Examination Date
2/1/93

CRA Ratina
Outstanding

Federal Reserve Bank of Cleveland
Applications Bulletin
For Week Ending May 22, 1993

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
Received OAKAR application from PNC Bank
Corp., Pittsburgh, Pennsylvania, on May 20,
1993, to acquire Gateway Federal Savings
Bank, Cincinnati, Ohio.

* Not Yet Known #

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

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
Received notice from Society Corporation,
Cleveland, Ohio, on May 12, 1993, of its
intent to engage in real property leasing
activities and commercial loan transactions
pursuant to Sections 225.25(b)(5) and
225.25(b)(1) of Regulation Y through a
wholly-owned subsidiary, Society Equipment
Leas ing Company.

June 9, 1993

Received Section 4( c ) (8) application from
* June 14, 1993
Fifth Third Bancorp, Cincinnati, Ohio, on May 12,
1993, to acquire Shelby County Bancorp,
Shelbyville, Indiana.
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE

NONE

*
N
F
#

-

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




AVAILABILITY OF CRA. PUBLIC EVALUATIONS
(May 21, 1993)
The following state member banks have been examined by the
Federal Reserve Bank of Cleveland for compliance with The Community
Reinvestment Act.
A public evaluation document became available
from the bank(s) listed below during the week ended May 21, 1993.
If you are interested in obtaining a copy of an evaluation
document, please contact the bank(s) directly.
There are four descriptive ratings for CRA:
OUTSTANDING:
a bank in this group has an outstanding record
of, and is a leader in, ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
SATISFACTORY: a bank in this group has a satisfactory record
of ascertaining and helping to meet the credit needs of its entire
delineated
community,
including
lowand
moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.
NEEDS TO IMPROVE:
a bank in this group needs to improve its
overall record of ascertaining and helping to meet the credit needs
of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and
capabilities.
SUBSTANTIAL NON COMPLIANCE:
a bank in this group has a
substantially deficient record of ascertaining and helping to meet
the credit needs of its entire delineated community, including lowand moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.




NONE

-2-

Federal Reserve Bank of Richmond

Section I - Applications Subject to Newspaper
Notice Only
Application

Comment Period Ending Date

Union Bank and Trust Company, Bowling
Green, Virginia, to acquire the Manquin,
Virginia, branch of Dominion Bank, N.A.,
Roanoke, Virginia.*

6-11-93

Central Virginia Bank, Powhatan, Virginia,
to establish a branch at 4901 Millridge
Parkway, East, Midlothian, Virginia.*

6-15-93

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

Comment Period Ending Date

F & M National Corporation, Winchester,
Virginia, to merge with First National
Bankshares, Inc., Emporia, Virginia.*

6-16-93

FB&T Financial Corporation, Fairfax,
Virginia, to become a bank holding
company through the acquisition of
Fairfax Bank & Trust Company, Fairfax,
Virginia.*

6-16-93

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

None.

*Application is subject to CRA requirements.



-3-

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations
Week ending May 21, 1993

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

Examination
Date____
The Bank of Tidewater
1548 Laskin Road
Virginia Beach, Virginia
Bank of McKenney
Post Office Box 370
McKenney, Virginia 23872




23451

Rating

3-1-93

Satisfactory

3-8-93

Satisfactory

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending May 21. 1993

Section 1 - Applications Subject to Newspaper Notice Only

Application

Comment Period Ending Date

Central Bank, N.A.
Anniston, Alabama
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. The bank will
then be known as Central Bank and relocate
to Trussville, Alabama.

Not yet available*

SouthTrust Bank of West Florida
St. Petersburg, Florida
To establish a branch located at 204
S. Kings Avenue, Brandon, Florida.

06-07-93*

Georgia First Bank
Gainesville, Georgia
To establish a branch located at the
intersection of Limestone Parkway and
Cleveland Highway, Gainesville, Georgia,
to be known as Limestone Parkway Branch.

06-11-93*

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

Application

Comment Period Ending Date

AmSouth Bancorporation
Birmingham, Alabama
To merge with Charter Banking Corp.,
St. Petersburg, Florida, and thereby
directly acquire First Gulf Bank, Gulfport,
Florida, pursuant to Section 3 ( a ) (5) of
the Bank Holding Company A c t .

Not yet available*

*Subject to provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending May 21. 1993
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

Mitchellette Enterprises, Inc.
Palm Beach, Florida
Along with Palm Beach Investment
Enterprises, Inc., Palm Beach, Florida,
1-BHC formation, Governors Bank
Corporation, West Palm Beach, Florida, and
thereby indirectly acquire its subsidiary
bank, Governors Bank, West Palm Beach,
Florida.

Not yet available*

Commerce Corporation
St. Francisville, Louisiana
Change in control by Jerry Richard Haskin
to acquire an additional 24.85 percent.
The acquisition will increase Mr. Haskin's
ownership to 49.33 percent.

Not yet available*

First Farmers Bancshares, Inc.
Not yet available*
Portland, Tennessee
Change in control notice by Charles Hill
Beaty and his wife, Montee Kittrell Beaty,
to acquire at least 10 percent of the
outstanding shares of common stock of First
Farmers Bancshares, Inc., Portland, Tennessee.
Section 3 - Applications Subject

Application

to Federal Register Only

Comment Period Ending Date

None.

*Subject to provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending May 21, 1993
Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Indian Rocks State Bank
Indian Rocks Beach, Florida
Request for increase in bank premises.
SouthTrust Bank of West Florida
St. Petersburg, Florida
Request for increase in bank premises.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending May 21. 1993
Section 10 - Availability of CRA Public Evaluations

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

None.




Rating

Date

Federal Reserve Bank of Chicago
Section I - Applications Subject to New s p a p e r
Notice Only
Comment P e r i o d
E n d i n g Date

Type

Application

Branch
Reg K - O T

B a n k Mees £ Hope N.V.
Rotterdam, The Netherlands
Establish an A g e n c y office in N e w York,
N e w York*

N

- **

Membership

Hinsdale Bank and Trust Company
Hinsdale, Illinois (in organization)
To become a m e m b e r of the
Federal Reserve System*

N

- 5-18 - 9 3

Oakar

Independent Bank Corporation
Ionia, Michigan
Portland, Michigan branch of Community
First Bank, F.S.B.
Portland, Michigan*

N

- **

Membership

Farmers State Bank
Jewell, Iowa
To become a memb e r of the Federal
Reserve System*

N

- **

Oakar

First of America B a n k Corporation
Kalamazoo, Michigan
14 Illinois Branch offices of
Citizens Federal Bank, FSB
Miami, Florida*

FR - **
N
- **

M e mbership

B a n k One, Peoria
Peoria, Illinois
To become a member of the Federal
Reserve System*

N

- 6-11-93

Branch/24A

Comerica Bank
Detroit, Michigan
6625 Dixie Highway
Clarkston, Michigan
10805 Highland R o a d
White Lake Township, Michigan
37750 12 Mile R oad
Farmington Hills, Michigan*

N

- **

Merger

N B D Bank (formerly Midwest Commerce
Banking Company)
Elkhart, Indiana
South Bend, Indiana branch of
N B D Bank, N.A., Gary, Indiana*

N

- **




Federal Reserve Bsuik of Chicago

£ype

Section II - Applications Subject to Both N e w s p a p e r and Federal
Register Notice
Comment Period
E n ding Date
Application

Y-l

Peoples Financial Corporation
Colfax, Illinois
Peoples State B ank
Colfax, Illinois*

FR - 5-17-93
N
- 5-18-93

CoC-HC

Farmers National Bancorp, Inc.
Geneseo, Illinois
William Hanford Trust

FR - 5-19-93
N
- **

Y-l

First Community Financial Corporation
Elgin, Illinois
First Community B a n k (in organization)
Elgin, Illinois*

FR - 5-28-93
N
- 5-24-93

CoC-HC

Elc h o Bancorporation, Inc.
Altoona, Iowa
Jo & Verle Burgason

FR - 6-7-93
N P - **

CoC-HC

Cascade Bancorporation, Inc.
Venice, Florida
De l i l a h S h a w and Cascade
Bancorporation, Inc. Voting Trust,
Charles Ryan as Trustee

FR - 6-7-93
N
- **

Y-l

L akeside Bancorp, Inc.
Chicago, Illinois
Lakeside Ban k
Chicago, Illinois*

FR _ 6-4-93
N
- **

CoC

Corydon Bancorporation
Corydon, Iowa
Ter r y N. Jost & James C. Davison

FR - **
N
- 5-20-93

Y-2

F i r s t a r Corporation
Milwaukee, Wisconsin
A t h e n s Bancorp, Inc.
Wausau, Wisconsin
B a n k of Athens
Wausau, Wisconsin*

FR - 6-11-93
N
- **

Y-2

F.W.S.F. Corp.
Milwaukee, Wisconsin
A t h e n s Bancorp, Inc.
Wausau, Wisconsin
Bank of Anth e n s
Wausau, Wisconsin*

FR - 6-11-93
N
- **




Federal Reserve Bank of Chicago

Type

Section II - Applications Subject to Both N e w s p a p e r and Federal
Register Notice
fContinued)
Comment P e r i o d
Application
E n d i n g Dat e
M o n t g o m e r y Bancshares, Inc.
Montgomery, Illinois
B a n k of Montgomery
Montgomery, Illinois*

FR - 6-11-93

Y-2

J. E. Coonley Company
Hampton, Iowa
Sheffield Savings Bank
Sheffield, Iowa*

FR - **
N
- **

Y-l

O osthurg Bancorp, Inc.
Oostburg, Wisconsin
Oostburg State Bank
Oostburg, Wisconsin*

FR N
-

Y-l

First Security Bancorp, Inc.
E l m w o o d Park, Illinois
First Security Trust & Savings Ban k
Elmwood Park, Illinois*

FR - **
N
- **

CoC-HC

E l c h o Bancorporation, Inc.
Altoona, Iowa
Delilah Shaw IRA and Elcho
Bancorporation, Inc., Voting Trust,
Charles Ryan as Trustee

Y-l

CoC-HC




E l c h o Bancorporation, Inc.
Altoona, Iowa
Marguerite Sevde and the Estate
o f Richard Sevde

N

-

**

3-5-93
6-21-93

FR - 6-7-93

NP - **

FR
FR _ 6-7-93
N P - **

Federal Reserve Bank of Chicago
Section III - Applications Subject to Federal R e g i s t e r
Notice Only
(Continued i
Comment Period
Ending Date

Type

A pplication

Y-4

Caisse Nationale de Credit Agricole
P a r i s , France
Credit Agr i c o l e Futu r e s , Inc.
N e w Y o r k , N e w York — Execute, c l e a r ,
pr o v i d e investment advisory services

FR -

Y-4

F B O P Corporation
O a k Park, Illinois
Fairfield Financial Corporation
O a k Park, Illinois

F R - **

Y-4

Continental B a n k Corporation
Chicago, Illinois
Repechage Partners Ltd.
Chicago, Illinois

F R - **

4(c) (8)

Comerica Incorporated
Detroit, Michigan
University Club Limited Dividend H o u s i n g
A s s o ciation Limited Partnership,
Detroit, M i c h i g a n — CDC-equity investment
in a l o w income housing project

4(c)(8)

Edg e m a r k Financial Corporation
Chicago, Illinois
Edge m a r k Financial Services, Inc.
Countryside, Illinois

FR - 6-1-93

4(c)(8)

Principal National Bancorp
Pontiac, Illinois
Make, acquire or service loans o r o ther
extensions of credit for the company's
account or for the account of others

FR - **

4(c) (8)

H u x l e y B a ncorp
Huxley, Iowa
M a k i n g and servicing of loans

FR - 6-14-94

4(c) (8)

Comerica Incorporated
Detroit, Michigan
Comerica Community Development
Corporation
Detroit, Michigan

FR - 4-27-93




.

5-31-93

F R - 5-25-93

Federal Reserve Bank of Chicago
S ection III - Applications Subject to Federal Register
Notice O n l y
lContinued )
Comment P e r i o d
Ending Date

Type

Application

4(c) (8)

Community Banc-Corp o f S h e b o y g a n , Inc.
Sheboygan, Wisconsin
G & H Insurance A g e n c y
Sheboygan, Wisconsin - selling insurance
and other financial services

FR - 2-5-93

Y-4

A B N A M R O North America, Inc.
Chicago, Illinois
A B N A M R O Securities, Inc.
N e w York, N e w York

FR - **

Y-4

A B N A M R O Bank N.V.
Amsterdam, The Netherlands
A B N A M R O Securities, Inc.
N e w York, N e w York

FR - **

Y-4

A B N A M R O Holding N.V.
Amsterdam, The Netherlands
A B N A M R O Securities, Inc.
N e w York, N e w York

FR - **

Y-4

Stichting Administratiekantoor A B N A M R O
Holding
Amsterdam, The Netherlands
A B N A M R O Securities, Inc.
N e w York, N e w York

FR - **

4 ( c ) (8)

Stichting Prioriteit A B N A M R O H o l d i n g
Amsterdam, The Netherlands
A B N A M R O Securities, Inc.
N e w York, N e w York

FR - **




Federal Reserve Bank of Chicago
Section I V - Applic a t i o n s Not Subject to Federal R e g i s t e r or Newspaper
Notice
Twe

ApDlication

Ros

The Heunpton B a n c o , Inc.
Hampton, Iowa
to redeem 6,980 of its preferred shares

RoS

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

RoS

Wabeno Bancorporation, Inc.
Altoona, Iowa
to redeem a portion of shares currently
owned b y Cascade Bancorporation, Inc.

RoS

Rossville Bancorp, Inc.
Rossville, Illinois
To purchase up to 27,555 shares of its
outstanding common stock

RoS

Corydon Bancorporation
C o r y d o n , Iowa
To redeem 861 shares of voting common stock
1,500 shares of nonvoting preferred stock

N
- N e w spaper
FR - Federal R e g ister
* - Subject to Provisions of Community Reinvestment Ac t
** - Not available at this time




AVAILABILITY OF CRA PUBLIC EVALUATIONS

The following state member banks have been examined by the Federal Reserve Bank
of Chicago for compliance with the CRA. The 30-business day period the bank has
to make the evaluation public has lapsed during the week ending May 21, 1993.
If you are interested in obtaining a copy of the evaluation document, please
contact the bank(s) directly.
Identification of Ratings
O-An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate -income neighborhoods, in a manner
consistent with its resources and capabilities.
S-An institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community, including
low- and moderate -income neighborhoods, in a manner consistent with its
resources and capabilities.
NI-An institution in this group needs to improve its overall record of ascer­
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
SN-An institution in this group has a substantially deficient record of ascer­
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
BANK NAME/LOCATION
-First Bank of Berne
102 Main Street
Berne, Indiana
46711
(219) 589-2151




EXAMINATION DATE

2/08/93

RATINGS

S

Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING Hay 21, 1993

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE

Application

End of Comment Period

None.

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

End of Comment Period

★Section 3(a)(3) application by
Mark Twain Bancshares, Inc., St.
Louis, Missouri to acquire Parkway
Financial, Inc., Overland Park,
Kansas

Newspaper:

6-21-93

★Section 4(c)(8) application by
National Commerce Bancorporation,
Memphis, Tennessee to acquire
First Federal Savings Bank, Belzoni,
Mississippi ("Thrift”) and thereby
also engage indirectly in the sale,
as agent principal or broker, of
credit insurance, including home
mortgage redemption insurance,
on extensions of credit by Thrift
and that ensures repayment in
the event of death, disability
or involuntary unemployment of
the debtor

Newspaper:

6-18-93

★Section 3(a)(3) application by
Union Planters Corporation, Memphis,
Tennessee to acquire Hogue Holding
Company, Inc., Weiner, Arkansas

Newspaper:

6-19-93

Change in control notification
involving West Tennessee Bancshares,
Inc., Bartlett, Tennessee by West
Tennessee Bancshares, Inc. Employee
Stock Ownership Plan, Bartlett,
Tennessee
(previously reported during the week
of 5-7-93)




Federal Register:

6-1-

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE

ADDlication
Section 4(c)(8) notification by
Old National Bancorp, Evansville,
Indiana to engage de novo, indirectlv
through ONB Investment Services, Inc.,
Evansville, Indiana, in providing
securities brokerage services
(previously reported during the week
of 5-7-93)

End of Comment Period

6-7-93

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

*This application is subject to CRA.




End of Comment Period

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 com unity, including low- and moderate-income
m
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
of its entire delineated community, including low- and m
oderate- income neighborhoods, in a m
anner
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 w its resources and capabilities.
ith
Substantial noncom pliance 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 w its resources and capabilities.
ith
FOR THE WEEK ENDING

Name of Bank

Bank Address

City Bank and Trust
Company of Moberly




May 21, 1993

P. 0. Box 160
Moberly, Missouri

'

Examination
Date
2-08-93
65270

Examination
Rating
Satisfactory

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

Application
Bank of Montana
Great Falls, MT
To merge with Montana Bank,
Billings, MT, and to establish
12 branches in various loca­
tions in Montana.

5-17-93

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

Comment Period
Endinq Date

Kootenai Bancorp, Inc. Employee
Stock Ownership Trust
To increase its ownership interest
from 9.2% to 10.65% of the voting
shares of Kootenai Bancorp, Inc.,
Libby, MT

6-7-93
(Federal Register)

Wisconsin Bancshares, Inc.
Newport, MN
To acquire, via merger, 100% of
the voting shares of Security
Bancorporation, Inc., Newport, MN*

Not yet available

Dairyland Bancorp, Inc.
Bruce, WI
To acquire 100% of the voting
shares of Bruce Bancshares, Inc.,
Bruce, Wisconsin*

Not yet available

The First National Bank of Keewatin
Keewatin, MN
To acquire 100% of the voting shares
of the State Bank of Conger, Conger,
MN*

Not yet available

* Subject to CRA




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

Application
Americana Bank
Edina, MN
To acquire 100% of the voting shares
of the State Bank of Conger, Conger,
MN*

Not yet available

Americana Bancorporation of
Minnesota, Inc., Edina, MN
To indirectly acquire 100% of
the voting shares of the State
Bank of Conger, Conger, MN*

Not yet available

Keewatin Bancorporation, Inc.
Biwabik, MN
To indirectly acquire 100% of
the voting shares of the State
Bank of Conger, Conger, MN*

Not yet available

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

Application
None.

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

*

Subject to CRA




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending May 21, 1993
ASSIGNMENT OF RATING
Identification of Ratings
In connection with the assessment of each insured depository
institution's CRA performance, a rating is assigned from the
following groups:
OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has an outstanding record of,
and is a leader in, ascertaining and helping to meet the
credit needs of its entire delineated community, including lowand moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.
SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a satisfactory record of
ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its
resources and capabilities.
NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group needs to improve its overall
record of ascertaining and helping to meet the credit needs
of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.
SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs
of its entire delineated community, including low-and
moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.
BANK ( ) EXAMINED
S

DATE OF EXAMINATION

Western Bank
February 8, 1993
100 North Phillips Avenue
P. 0. Box 1225
Sioux Falls, SD 57101-1225
(605) 335-5300




CRA RATING
Outstanding

Federal Reserve Bank of Kansas City

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

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

COMMENT PERIOD ENDING DATE

Fourth Financial Corporation,
Wichita, Kansas, for prior approval
to acquire 100 percent of Commercial
Landmark Corporation, Muskogee,
Oklahoma.*

June 10, 1993

Washington Investment Company, Otis,
Colorado, for prior approval to
acquire 100 percent of the voting
shares of First National Bank of
Akron, Akron, Colorado, First
National Bank of Yuma, Yuma,
Colorado, and Wray State
Bancorporation, Wray, Colorado.*

June 10, 1993

Carbon County Holding Company,
Englewood, Colorado, for prior
approval to become a bank holding
company through the acquisition of
100 percent of Rawlins
Bancorporation, Inc., Denver,
Colorado.*

June 11, 1993

American Bancorp of Oklahoma, Inc.,
Edmond, Oklahoma, for prior approval
to acquire 80 percent of the voting
shares of Texas Guaranty National
Bank, Houston, Texas.*

June 10, 1993

BNMHC Acquisition Corporation,
Newport, Minnesota, for prior
approval to become a bank holding
company through'the acquisition of
80.4 percent of the voting shares of
The Bank of New Mexico Holding
Company, Albuquerque, New Mexico.*

June 10, 1993




Federal Reserve Bank of Kansas City

FirstBank Holding Company of Colorado
and FirstBank Holding Company ESOP,
both of Lakewood, Colorado, for prior
approval to acquire 100 percent of
the voting shares of FirstBank
Holding Company of California,
Lakewood, Colorado.*

Not Available

Valentine Bancorporation, Valentine,
Nebraska, for prior approval to
become a bank holding company through
the acquisition of 100 percent of the
voting shares of The First National
Bank of Valentine, Valentine,
Nebraska.*

Not Available
/

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
ONLY
APPLICATION
FNBT Bankshares, Inc., Perry,
Oklahoma, for prior approval to
engage de novo in listed permissible
nonbanking activities through
Cherokee Cash Outlet, Inc., Perry,
Oklahoma.

COMMENT PERIOD ENDING DATE
Not Available

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
APPLICATION
No n e .
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Identification of Ratings
In connection with the assessment of each insured depository
institution's CRA performance, a rating is assigned from the
following groups:
Outstanding record of meeting community credit needs
An institution in this group has an outstanding record of
ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderateincome neighborhoods,
in a manner consistent with its
resources and capabilities.




Federal Reserve Bank of Kansas City

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

Exam Date

The Farmers State Bank
P.O. Box 304
Mankato, Kansas 66956-0304

02-08-93

♦Application is subject to CRA.




CRA Public
Date
05-10-93

CRA
Rating
Satisfactory

FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF MAY 17, 1993
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
James Paul Kimble, El Paso, TX, to acquire an interest
in The Bank of El Paso, El Paso, TX
(Previously reported during the week of 4-26-93)
Change in Control Notice by
Norman Dean Oswald, Duncanville, TX, to acquire an
interest in Metroplex Bancshares, Inc., Dallas, TX

93/06/02

N/A

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
APPLICATION

NOTICE EXP

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

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




SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
FOR THE WEEK OF HAY 17. 1993

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

Bank
None.




Date of
Examination

CRA Rating

FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 5/21/93
Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

None

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

Comment Period Ending Date

First Hawaiian, Inc., Honolulu, Hawaii, to
acquire Pioneer Fed BanCorp, Inc., Honolulu,
Hawai i . *

Newspaper:

Not available

Fed. Rea.:

5/24/93

John B. Joseph, Orange, California, to acquire
an additional 2.3190 percent of West Coast
Bancorp, Orange, California.

Newspaper:

5/27/93

Fed. Rea.:

5/25/93

N. George Daines, Newell G. Daines, Logan,
Utah, and Linden D. Beckstead, Preston, Idaho,
to collectively acquire 18.46 percent of
Cache Valley Bank, Logan, Utah.

Newspaper:

Not available

Fed. Rea.:

6/01/93

David F. Bolger, Ridgewood, New Jersey, to
acquire up to 100 percent of S&S Holding
Company, Boise, Idaho.

Newspaper:

Not available

Fed. Rea.:

6/09/93

Albert J. Brauer, Florence, Oregon, to
increase ownership from 9.998 percent to
10.097 percent of Oregon Pacific Banking
Company, Florence, Oregon.

Newspaper:

6/08/93

Fed. Rea.:

6/16/93

Section III - Applications Subject to Federal Register Notice Only

A p p Iication

Comment Period Ending Date

First Interstate Bancorp, Los Angeles,
California, to acquire 100 percent of First
Interstate Trust Company of New York,
New York, New York.

Fed. Reg.:

6/21/93

U.S. Bancorp, Portland, Oregon, to engage
de novo, directly, in data processing
activities.

Fed. Reg.:

Not available

* Subject to CRA




FEDERAL RESERVE BANK OF SAN FRANCISCO (cont’d.)
Week ending 5/21/93
Section IV - Applications Not Subject to Federal Register Notice
or Newspaper Notice
None
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during
the week ending May 21, 1993. Information about a particular institution’s
CRA evaluation may be obtained directly from the institution.
Institution

Location

Utah Independent Bank

55 S. State Street
Salina, UT 84654
(801) 529-7459

Examination Date
4/02/93

Rating*
Satisfactory

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




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