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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THB
FEDERAL RESERVE SYSTEM

H.2, 1992, No. 21
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending May 23, 1992

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

TESTIMONY AND STATEMENTS
Participation in deliberations by the National
Advisory Council on International Monetary and
Financial Policies of the 1990 Commodity Credit
Corporation program for Iraq — statement by
Governor Kelley before the House Committee on
Banking* Finance and Urban Affairs* May 21* 1992.
Published, May 21, 1992.
Mortgage Refinancing Reform Act of 1992 — statement
by Governor Lindsey before the Subcommittee on
Consumer Affairs and Coinage of the House Committee
on Banking* Finance and Urban Affairs, May 27,
1992.
Authorized* May 21* 1992.
BANK HOLDING COMPANIES




Comerica Incorporated* Detroit* Michigan — to
acquire Manufacturers National Corporation;
Manufacturers Bank* N.A.; Manufacturers National
Bank of Ann Arbor* Ann Arbor; Affiliated Banc
Group* Inc.* Morton Grove* Illinois; Affiliated
Bank* Franklin Park* Illinois; Stanford State Bank*
Stanford* Illinois; and for Comerica Bank* Detroit*
Michigan* to merge with Manufacturers Bank* N.A.
Approved* May 18* 1992.
F.S.B.* Inc.* Superior* Nebraska — to acquire Hardy
Insurance Agency* Inc.* Hardy* Nebraska* and Hardy
State Bank* and for Farmers State Bank & Trust
Company of Superior* Superior* Nebraska* to merge
with Hardy State Bank* and to establish a branch.
Approved* May 21, 1992.
National City Corporation* Cleveland* Ohio — to
engage in private placement and other nonbanking
activities through Reserve Capital Group Limited
Partnership.
Approved* May 18* 1992.

H .2
MAY 18, 1992
PAGE 2

TO

MAY 22, 1992

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANKS, STATE MEMBER
First Independence Bank of Florida, Fort Myers,
Florida — written agreement with the Federal
Reserve Bank of Atlanta, and the State Comptroller
and Banking Commissioner of the State of Florida.
Announced, May 18, 1992.
FORMS
Bank Holding Company Reporting Requirements (FR Y-9C)
— interim revisions to the March 31, 1992,
Consolidated Statements For Bank Holding Companies
With Total Consolidated Assets Of $150 Millions Or
More, Or With More Than One Subsidiary Bank.
Approved, May 21, 1992.

MEMBERSHIP
Barnett Banks, Inc., Jacksonville, Florida — twenty
subsidiary banks to become members of the Federal
Reserve System.
Approved, May 18, 1992.
REGULATIONS AND POLICIES




Regulations 0 and Y — revised effective date of
amendments to conform the regulations to amendments
to the Federal Reserve Act contained in section 306
of the Federal Deposit Insurance Corporation
Improvement Act of 1991. New effective date May 18,
1992 (Docket R-0747).
Approved, May 20, 1992.

H .2
MAY 18, 1992
PAGE 3

TO

MAY 22, 1992

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
Dallas

Central Bank, Monroe, Louisiana — to establish a
branch at 2348 Sterlington Road, Monroe, Louisiana.
Approved, May 18, 1992.

Dallas

Silsbee State Bank, Silsbee, Texas — to establish a
branch at 112 W. Highway 105, Sour Lake, Texas.
Approved, May 19, 1992.

BANK HOLDING COMPANIES




Chicago

Amcore Financial, Inc., Rockford, illinois — to
acquire Dixon Bancorp, Inc., Dixon, Illinois, and
The Dixon National Bank.
Returned, May 18, 1992.

Chicago

Capitol Bancorp, Ltd., Lansing, Michigan -- to
acquire Oakland Commerce Bank, Farmington Hills,
Michigan.
Approved, May 22, 1992.

Atlanta

Central Bancshares of The South, Inc., Birmingham,
Alabama — to establish branches at 5990
Chaulkville Mountain Road; Lakeshore Drive and
Wildwood Parkway; and 1420 McFarland Boulevard,
Northport, Alabama.
Approved, May 22, 1992.

Atlanta

Central Bancshares of The South, Inc., Birmingham,
Alabama — request to acquire Interstate
Bancshares, Inc., Houston, Texas, Interstate Bank
North; Compass Bancshares, Inc., Birmingham,
Alabama, and River Oaks Bancorporation, Wilmington,
Delaware.
Waived, May 22, 1992.

Chicago

Cole - Taylor Financial Group, Inc., Wheeling,
Illinois — to acquire Centre Capital Funding Corp.
Evanston, Illinois.
Returned, May 22, 1992.

H .2
MAY 18, 1992
PAGE 4

TO

MAY 22, 1992

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

BANK HOLDING COMPANIES




Chicago

Comerica Incorporated, Detroit, Michigan -- to
acquire 100 Talon Centre Associates Limited
Partnership and engage in leasing activities.
Approved, May 19, 1992.

Atlanta

Community Bancshares, Inc., Blountsville, Alabama —
to acquire City and County Bank of McMinn County,
Athens, Tennessee.
Approved, May 22, 1992.

Atlanta

Community Trust Financial Services Corporation,
Hiram, Georgia — to engage de novo in real estate
and personal property appraising activities
through Metroplex Appraisals, Inc.
Permitted, May 21, 1992.

Secretary

First Bank System, Inc., Minneapolis, Minnesota — to
acquire Siouxland Bank Holding Company, Scottsdale,
Arizona, Dakota Bank and Trust Company of Fargo,
Fargo, North Dakota, and First National Bank of
Hettinger, Hettinger, North Dakota, Dakota First
Trust Co., Fargo, North Dakota, and Dakota Data
Processing, Inc.
Approved, May 19, 1992.

Dallas ~

H.M.S. Holdings, Inc., San Antonio, Texas —
acquire Castle Hills National Bank.
Returned, May 20, 1992.

Secretary

Meridian Bancorp, Inc., Reading, Pennsylvania —
acquire C.A.S.E. Management, Inc., Malvern,
Pennsylvania.
Approved, May 18, 1992.

Chicago

NBD Bancorp, Inc., Detroit, Michigan, and NBD
Indiana, Inc. — to acquire Summcorp, Fort Wayne,
Indiana, and Summit Bank; Summit Bank of Clinton
County, Frankfort; Summit Bank of Indianapolis,
Indianapolis; Summit Bank of Marion, Marion; Summit
Bank of Muncie, Muncie; Summit Bank of South Bend,
South Bend; Decatur Financial, Inc., Decatur;
Decatur Bank and Trust Company, and Summcorp
Financial Services, Inc., Fort Wayne, Indiana.
Approved, May 20, 1992.

to

to

H .2
MAY 18, 1992
PAGE 5

TO

MAY 22, 1992

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

BANK HOLDING COMPANIES
Dallas

Northwest Bancorporation, Inc., Houston, Texas -- to
acquire South Main Bank.
Approved, May 20, 1992.

Dallas

Overton Delaware Corporation, Dover, Delaware -- to
acquire First State Bank, Overton, Texas.
Approved, May 20, 1992.

Director, BS&R

Southern National Corporation, Lumberton, North
Carolina — proposal that Southern National Bank of
North Carolina, acquire certain assets and assume
certain liabilities of First Security Savings &
Loan Association, Inc., Pinehurst, North Carolina.
Approved, May 22, 1992.

Director, BS&R

SouthTrust Corporation, Birmingham, Alabama, and
SouthTrust of Georgia, Inc., Roswell, Georgia -- to
merge SouthTrust Bank of Georgia, N.A., Atlanta,
Georgia, and SouthTrust Bank of Georgia, Roswell,
Georgia.
Approved, May 22, 1992.

Kansas City

Tampa State Bankshares, Inc., Tampa, Kansas —
engage de novo in lending activities.
Permitted, May 18, 1992.

New York

Tiger Management Corporation, New York, New York, and
Panther Management Corporation — to acquire shares
of Bankers Corp., Perth Amboy, New Jersey.
Returned, May 20, 1992.

San Francisco

U.S. Bancorp, Portland, Oregon —
divest certain properties.
Approved, May 19, 1992.

to

extensions to

BANK MERGERS




Kansas City

Mercantile Bank of Kansas City, Kansas City, Missouri
— to merge with American Bank, and American Bank
of Platte County, and to establish branches.
Approved, May 18, 1992.

H .2
MAY 18, 1992
PAGE 6

TO

MAY 22, 1992

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

BANK MERGERS
Secretary

Meridian Bank, Reading, Pennsylvania -- request to
amend proposal to purchase certain assets and
assume certain liabilities of Equibank, Pittsburgh,
Pennsylvania.
Granted, May 18, 1992.

BANK PREMISES
Kansas City

Bank of Boulder, Boulder, Colorado -- investment in
bank premises.
Approved, May 19, 1992.

Cleveland

Farmers Bank & Savings Company, Pomeroy, Ohio -investment in bank premises.
Approved, May 22, 1992.

Kansas City

Mercantile Bank of Kansas City, Kansas City, Kansas - investment in bank premises.
Approved, May 18, 1992.

Minneapolis

North Shore Bank of Commerce, Duluth, Minnesota —
investment in bank premises.
Approved, May 21, 1992.

Chicago

Old Kent Bank - Southwest, Kalamazoo, Michigan —
investment in bank premises.
Approved, May 18, 1992.

San Francisco

Oregon Pacific Banking Company, Florence, Oregon -investment in bank premises.
Approved, May 18, 1992.

BANKS, NONMEMBER, AND MISCELLANEOUS INSTITUTIONS




San Francisco

Shearson Lehman Mortgage Corporation, Irvine,
California — registration statement.
Withdrawn, May 19, 1992.

H .2
MAY 18, 1992
PAGE 7

TO

MAY 22, 1992

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

BANKS, STATE MEMBER
Director, BS&R

F & M Bank - Winchester, Winchester, Virginia —
registration as transfer agent.
Approved, May 20, 1992.

CAPITAL STOCK
S t . Louis

CBX Corporation, Carrollton, Illinois —
of shares.
Approved, May 22, 1992.

redemption

CHANGE IN BANK CONTROL
Kansas City

Banking Group, Ltd., Castle Rock, Colorado —
in bank control.
Permitted, May 22, 1992.

change

Dallas

First White Oak Bancshares, Inc., White Oak, Texas —
change in bank control.
Returned, May 19, 1992.

Dallas

FirstBank Group, Inc., Los Fresnos, Texas —
in bank control.
Permitted, May 22, 1992.

Dallas

JBI Financial Corporation, Jena, Louisiana —
in bank control.
Returned, May 22, 1992.

Atlanta

Terrace Bank of Florida, Temple Terrace, Florida —
change in bank control.
Permitted, May 18, 1992.

change

change

COMPETITIVE FACTORS REPORTS




Richmond

American Commercial Savings Bank, Inc., SSB, Monroe,
North Carolina, proposed merger with New American
Commercial Savings Bank, Inc. — report on
competit ive factors.
Submitted, May 20, 1992.

Kansas City

American National Bank of Sarpy County, Papillion,
Nebraska, proposed acquisition of the assets and
assumption of the liabilities of Brentwood Bank, La
Vista, Nebraska — report on competitive factors.
Submitted, May 22, 1992.

H.2
MAY 18, 1992
PAGE 8

TO

MAY 22, 1992

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

COMPETITIVE FACTORS REPORTS




Atlanta

AmTrade International Bank of Florida, Miami,
Florida, proposed purchase of certain assets and
assumption of certain liabilities of AmTrade
International Bank of Georgia, Atlanta, Georgia —
report on competitive factors.
Submitted, May 18, 1992.

Atlanta

AmTrade International Bank of Georgia, Atlanta,
Georgia, proposed merger with First American
International Bank, Miami, Florida — report on
competitive factors.
Submitted, May 18, 1992.

Philadelphia

Bank of Delaware, Wilmington, Delaware, proposed
merger with Clayton Bank and Trust Company,
Clayton, Delaware — report on competitive factors.
Submitted, May 18, 1992.

San Francisco

Bank of Hemet, Hemet, California, proposed merger
with Inland Savings and Loan Association — report
on competitive factors.
Submitted, May 18, 1992.

San Francisco

Bank of Hemet, Riverside, California, proposed merger
with Hemet Bancorp — report on competitive
factors.
Submitted, May 20, 1992.

Chicago

Bank of Homewood, Homewood, Illinois, proposed
purchase of the assets and assumption of the
liabilities of Community Bank of Homewood Flossmoor — report on competitive factors.
Submitted, May 20, 1992.

Kansas City

Bank of Oklahoma, N.A., Tulsa, Oklahoma, proposed
merger with Bank of Oklahoma, N.A., South, Oklahoma
City, Oklahoma — report on competitive factors.
Submitted, May 18, 1992.

San Francisco

Financial Factors Limited, Honolulu, Hawaii, proposed
assumption of certain liabilities of Paradise
Finance, Inc. — report on competitive factors.
Submitted, May 20, 1992.

H .2
MAY 18, 1992
PAGE 9

TO

MAY 22, 1992

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

COMPETITIVE FACTORS REPORTS




San Francisco

First Federal Savings Bank, Salt Lake City, Utah,
proposed purchase of assets and assumption of
liabilities of two branches of First Charter
Savings Bank, dba-Heritage Savings Bank, St.
George, Utah — report on competitive factors.
Submitted, May 18, 1992.

Dallas

First National Bank, Bonham, Texas, proposed merger
with First National Bank, Cushing, Texas -- report
on competitive factors.
Submitted, May 18, 1992.

Minneapolis

First National Bank, Minot, North Dakota, proposed
merger with The First National Bank of Bowbells,
Bowbells, North Dakota -- report on competitive
factors.
Submitted, May 22, 1992.

Kansas City

First National Bank & Trust Company, Ponca City,
Oklahoma, proposed merger with American National
Bank — report on competitive factors.
Submitted, May 21, 1992.

Dallas

First National Bank of Gun Barrel City, Gun Barrel
City, Texas, proposed merger with The First
National Bank of Athens, Athens, Texas — report on
competitive factors.
Submitted, May 22, 1992.

Atlanta

First National Bank of LaFayette, LaFayette,
Louisiana, proposed merger with New First National
Bank of LaFayette — report on competitive factors.
Submitted, May 18, 1992.

Chicago

First of America Bank - Springfield, Springfield,
Illinois, proposed merger with First National Bank
of Petersburg, Petersburg, Illinois — report on
competitive factors.
Submitted, May 21, 1992.

New York

Great Falls Bank, Totowa, New Jersey, proposed merger
with Bergen Commercial Bank, Paramus, New Jersey —
report on competitive factors.
Submitted, May 19, 1992.

H .2
MAY 18, 1992
PAGE 10

TO

MAY 22, 1992

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

COMPETITIVE FACTORS REPORTS




S t . Louis

Mercantile Bank of North Central Missouri, Macon,
Missouri, proposed purchase of certain assets and
assumption of certain liabilities of the Merceline
branch of American Bank of North Central Missouri,
Trenton, Missouri — report on competitive factors
Submitted, May 20, 1992.

San Francisco

Metropolitan Federal Savings and Loan Association of
Seattle, Seattle, Washington, proposed purchase of
assets arid assumption of liabilities of the Tacoma
branch of First Western Savings Association of
Wenatchee, Wenatchee, Washington — report on
competitive factors.
Submitted, May 20, 1992.

S t . Louis

Rockwood Interim Bank, Eureka, Missouri, proposed
merger with Rockwood Bank — report on competitive
factors.
Submitted, May 18, 1992.

S t . Louis

Scott City Bank and Trust Company, Scott City,
Missouri, proposed merger with Security Bank of
Bollinger County, Marble Hill, Missouri — report
on competitive factors.
Submitted, May 20, 1992.

Chicago

Society Bank, Indiana, South Bend, Indiana, proposed
merger with Ameritrust National Bank, Michiana,
Elkhart; Ameritrust Bank, Howard County, Kokomo;
and Indiana and Ameritrust National Bank, Central
Indiana, Indianapolis, Indiana — report on
compet it ive factors.
Submitted, May 21, 1992.

San Francisco

West One Bank, Oregon, Portland, Oregon, proposed
purchase of certain assets and assumption of
certain liabilities of Bank of America Oregon —
report on competitive factors.
Submitted, May 22, 1992.

H .2
MAY 18, 1992
PAGE 11

TO

MAY 22, 1992

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

COMPETITIVE FACTORS REPORTS
San Francisco

West One Bank, Washington, Bellevue, Washington,
proposed purchase of certain assets and assumption
of certain liabilities of Security Pacific Bank
Washington, National Association, Seattle,
Washington and Security Pacific Savings Bank,
Tacoma, Washington — report on competitive
factors.
Submitted, May 22, 1992.

EXTENSIONS OF TIME




Kansas City

Bank of Belen, Belen, New Mexico — extension to
July 20, 1992, to accomplish membership in the
Federal Reserve System.
Granted, May 18, 1992.

San Francisco

BankAmerica Corporation, San Francisco -- extensions
to divest certain properties.
Granted, May 19, 1992.

San Francisco

BankAmerica Corporation, San Francisco, California extension to divest certain property.
Granted, May 19, 1992.

Richmond

BB&T Financial Corporation, Wilson, North Carolina extension to August 25, 1992, to acquire Peoples
Federal Savings Bank of Thomasville, Thomasville,
North Carolina.
Granted, May 18, 1992.

Minneapolis

CFB Acquisition Corp., Fargo, North Dakota, and
Community First Bankshares, Inc. — extension to
February 20, 1992, to acquire First Interstate of
North Dakota.
Granted, May 18, 1992.

Cleveland

Fifth Third Bank, Columbus, Ohio — extension to
June 12, 1993, to establish a branch at Pinecrest
Center, Cleveland Avenue.
Granted, May 21, 1992.

H .2
MAY 18, 1992
PAGE 12

TO

MAY 22,

1992

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

EXTENSIONS OF TIME
Atlanta

PBA Financial Corporation, Mobile, Alabama —
extension to August 26, 1992, to acquire Peoples
Bancshares, Inc., Elba, Alabama, and The Peoples
Bank.
Granted, May 22, 1992.

San Francisco

U.S. Bancorp, Portland, Oregon —
divest certain properties.
Granted, May 19, 1992.

San Francisco

Wells Fargo & Company, San Francisco, California —
extensions to divest certain properties.
Granted, May 19, 1992.

extensions to

REGULATIONS AND POLICIES
Secretary
FOMC

Federal Open Market Committee —
meeting of March 31, 1992.
Published, May 22, 1992.

policy record for

RESERVE BANK OPERATIONS
Director, FRBO

Federal Reserve Bank of Atlanta —
computer equipment.
Approved, May 18, 1992.

to purchase

RESERVE BANK SERVICES




Director, FRBO

Federal Reserve Bank of Atlanta — to offer an off peak MICR service at a reduced per item fee at the
Birmingham and New Orleans Branches.
Approved, May 20, 1992.

Director, FRBO

Federal Reserve Bank of St. Louis —
premium country group sort.
Approved, May 18, 1992.

to offer a

ADDITIONS AND CORRECTIONS

H .2

MAY 1 , 1 9 T MAY 2 , 1 9
8 92 O
2 92
PAGE 1
3
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK BRANCHES, DOMESTIC
S t . Louis

Citizens Fidelity Bank and Trust Company, Louisville,
Kentucky — to establish a branch at U.S. 42 and
U.S. 22.
Approved, May 15, 1992.

BANK MERGERS
San Francisco

Caliber Bank,
branches of
branches of
Approved, May

Phoenix, Arizona — to purchase 30
Bank of America Arizona, and 10
Security Pacific Bank Arizona.
15, 1992.

BANK PREMISES
S t . Louis

Citizens Fidelity Bank and Trust Company, Louisville,
Kentucky — investment in bank premises.
Approved, May 15, 1992.

Minneapolis

Marquette Bank New Prague, New Prague, Minnesota —
investment in bank premises.
Approved, May 15, 1992.

EXTENSIONS OF TIME
Minneapolis

Henning Bancshares, Inc., Henning, Minnesota —
extension to August 27, 1992, to acquire Battle
Lake Bancshares, Inc., Battle Lake, Minnesota.
Granted, May 12, 1992.

RESERVE BANK OPERATIONS




Director, FRBO

Federal Reserve Bank of Richmond —
Approved, May 15, 1992.

renovation.

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

Donna A., Gerald L.,
Newspaper
06-09-92
William A . , Margaret A.
Hopkins and Amy Hopkins
Blaylock - Change in
Federal Register 06-09-92
Bank Control notification to
acquire 24% of the outstanding stock of
Andover Bancorp, Andover, Massachusetts
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
♦♦Rating Definitions:
"0" - Outstanding; "S" - Satisfactory;
- Needs to Improve; "SN" - Substantial Noncompliance.
Institution

Examination Date
NONE

♦Subject to CRA




"N"

Rating**

Federal Reserve Bank of New York
Comment Period
Ending Date
SECTION I
Applications Subject to Newspaper
___________ Notice Only___________
George Gale Foster Corporation, Poughkeepsie, New York
and Fishkill National Corporation, Beacon, New York
through their subsidiary, The Fishkill National Bank,
Fishkill, New York, to acquire certain assets and assume
certain deposit liabilities of the Route 82 and 376,
Hopewell Junction, New York branch of First Nationwide
Bank, A Federal Savings Bank, San Francisco, California.!/ 6/10/92
SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
None.
SECTION III
Nonbanking Applications
(Subject to Federal Register Notice Only)
The Long Term Credit Bank of Japan, Limited, Tokyo, Japan,
to engage through its subsidiary, Greenwich Capital Markets,
Inc., Greenwich, Connecticut, in private placement and
riskless principal activities, full service securities
brokerage, in trading foreign exchange forward, futures,
options and options on futures transactions for purposes
other than hedging, and providing FCM execution and clearance
services with respect to futures contracts traded on major
exchanges.
6/5/92
Skandinaviska Enskilda Banken, Stockholm, Sweden, through its
wholly owned subsidiary, Enskilda Securities Inc., New York,
New York, to act as agent in the private placement of all
types of securities, including providing related advisory
services and to buy and sell all types of securities on the
order of investors as a riskless principal.
N/A

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.
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 18. 1992
NAME OF BANK

RATING

EXAMINATION DATE

First State Bank
3 Main Street
Canisteo, N.Y.
14823

Satisfactory

December 16, 1991

Manufacturers & Traders
Trust Company
One M&T Plaza
Buffalo, N.Y.
14240

Outstanding

June 24, 1991

1/

2J

1/
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
Comment Period Ending Date

None.

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
Comment Period Ending Date

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 R E S E R V E BANK OF PHILADELPHIA

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS

The following institutions were examined for CRA. The 30-business day period the bank
has to make the evaluation public has lapsed during the week ending May 22. 1992.
Identification of Ratings
In connection with the assessment of each insured depository
performance, a rating is assigned from the following groups:

institution's

CRA

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

Bank/Location




Examination Date

None.

CRA Rating

Federal

R e s e r v e B a n k of C l e v e l a n d

A p p lic a tio n s B u lle tin
F o r W eek E n d in g May 2 3 , 1992
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
Received application from Fifth Third
Bank, Columbus, Ohio, on May 12, 1992,
for permission to establish CBCT branches
at 1661 Hilliard-Rome Road, 146 City
Center Drive #2, and 1980 North High
Street, all in Columbus, Ohio.

* Not Yet Known #

Received application from The Exchange
Bank, Luckey,
Ohio, on May 4, 1992, for
permission to establish a branch at 940
Clarion Avenue, Holland, 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 Section 4 ( c ) (8) application
from National City Corporation, Cleveland,
Ohio, on April 3, 1992, to acquire Check
Security Services of America, Houston, Texas.

June 15, 1992

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.




Federal Reserve Bank of Richmond

Notice Onlv
Application

Comment Period Ending Date

Central Fidelity Bank, Richmond,
Virginia, to establish a branch
at 211-15 Providence Road,
Chesapeake, Virginia.★

6-22-92

Section II - Applications Subiect to Both
Newspaper and Federal Reeister Notice
Application

Comment Period Ending Date

Notice of Change in Control with
respect to The Buffalo Bank, Eleanor,
West Virginia.

Not yet available.

Section III - Applications Subiect to Federal Reeister Notice
Application

Comment Period Ending Date

First Security Financial Corporation,
Salisbury, North Carolina, to merge with
Omni Capital Group, Inc., Salisbury,
North Carolina.

6-19-92**

Section IV - Applications Not Subiect to
Federal Register Notice or Newspaper Notice
Application

Comment Period Ending Date

None.

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




Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations
Week ending May 22, 1992

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

Examination
Date

None.




Rating

Federal R e s e r v e B a n k of A t l a n t a
A p p l i c a t i o n s B u l l e t i n for W e e k E n d i n g M a y 22.

1992

Section 1 - Applications Subject to Newspaper Notice Only

Application

Comment Period Ending Date

None.

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

Comment Period Ending Date

Brannen Banks of Florida, Inc.
Inverness, Florida
To redeem 10,968.09 shares (56.5%) of
its outstanding common stock, which will
effect a change in control by George H.
Brannen, II, Joe S. Brannen, and Margaret
Hagar, whose ownership will increase to
more that 25.0 percent each.
First Citizens Bancorp
Cleveland, Tennessee
To acquire Basin Bancorp, Inc., Ducktown,
Tennessee, and thereby indirectly acquire
its subsidiary, The Home Bank of Tennessee,
Ducktown, Tennessee.
Walthall Capital Group, Ltd.
Tylertown, Mississippi
Change in control by William E. Hathorn
and Danny M. Trusty to jointly acquire
an additional 43.71 percent of the
outstanding shares of common stock to be
placed in voting trust. Total direct
and indirect ownership will equal 66.13
percent.

05-28-92*
Newspaper

06-08-92*
Federal Register

Not yet available*

♦Subject to Provisions of the Community Reinvestment Act.




F e d e r a l R e s e r v e B a n k of A t l a n t a
A p p l i c a t i o n s B u l l e t i n for W e e k E n d i n g M a y 22.

1 992

Section 3 - Applications Subject to Federal
Register Notice Only

Application

Comment Period Ending Date

Barnett Banks, Inc.
Jacksonville, Florida
To engage de novo in leasing and
acting as agent, broker, or advisor in
leasing, real or personal property,
pursuant to Section 225.25(b)(5)(i) & (vi)
of Regulation Y.

Not yet available

Barnett Banks, Inc.
Jacksonville, Florida
To acquire an additional 225,000 shares
(7.5%) of class B stock of Southeast
Switch, Inc., Maitland, Florida, pursuant
to Section 225.25(b)(7) of Regulation Y.
Total ownership will equal 15.0 percent.

06-15-92

Commercial Bancorp of Georgia, Inc.
Atlanta, Georgia
To continue engaging in making and servicing
loans, pursuant to Section 225.25(b)(1) of
Regulation Y.

06-15-92

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice

Application
Brundidge Banking Company
Brundidge, Alabama
Request for increase in bank premises.




F e d e r a l R e s e r v e B a n k of A t l a n t a
A p p l i c a t i o n s B u l l e t i n for W e e k E n d i n g M a y 22.

1992

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 N e w s p a p e r
Notice Only

Type
Bran c h

Comment Period
Ending Date

A pplication
First B a n k Nor t h
Freeport, Illinois
2470 Eas t r o c k Drive
Rockford, Illinois*

Type

N

-

**

Section II - A p p l i c a t i o n s Subject to Both N e w s p a p e r a n d Federal
Register Notice
Comment Period
Ending Date
Applic a t i o n

Y-l

Bancentral Corporation
Champaign, Illinois
Singer & Associates, Inc.
Mattoon, Illinois
Central National Bank of Mattoon
Mattoon, Illinois*

F R - 6-15-92
N
- **

Y-2

F.W.S.F. Corporation
Milwaukee, Wisconsin
Geneva Capital Corporation
Lake Geneva, Wisconsin
Citizens National Bank of Lake Geneva
Lake Geneva, Wisconsin*

F R - 6-12-92
N
- **

Y-2

Fi r s t a r Corporation
Milwaukee, Wisconsin
Geneva Capital Corporation
Lake Geneva, Wisconsin
Citizens National Bank of Lake Geneva
Lake Geneva, Wisconsin*

FR - 6-12-92
N
- **

Y-l

Cascade B a n c o r I, Inc.
Cascade, Wisconsin
Cascade Bancorporation,
Altoona, Iowa
State B a n k o f Cascade
Cascade, Wisconsin
o f Wabeno
Wabeno, Wisconsin*

FR - **
N
- **




S t a t e B ank

Inc.

Federal Reserve Bank of Chicago
S e c t i o n III - Applications Subject to Federal R e g i s t e r
Notice O n l y
Comment P e r i o d
Ending Date

Type

Application

Y-4

M i c h i g a n National Corporation
Fa r m i n g t o n Hills, Michigan
B a n c A Corporation
Dallas, Texas
(Acquico, Inc., Dallas, Texas)

FR - 6-15-92

4(c)(8)

N o r t h e r n Illinois Financial Corporation
Wauconda, Illinois
A m e r i c a n Suburban M o r t g a g e Corporation
Waukegan, Illinois

FR - **

Section I V - A p p l i c a t i o n s Not Subject to Federal Register or N e w s p a p e r
Notice
Tvoe

Application

None

N
FR
*
**

-

Newspaper
Federal R e g i s t e r
Subject to P r o v isions of Community Reinvestment Act
Not a v a i l a b l e at this time




A V A IL A B IL IT Y 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 22, 1992.
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
-NBD Park Ridge Bank
One South Northwest Highway
Park Ridge, Illinois
60068
(708) 518-7100




EXAMINATION DATE

1/27/92

RATINGS

NI

Federal Reserve

Bank

of St. Louis

FOR THE WEEK ENDING MAY 22, 1992

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application

End of Comment Period

Section 18(c) application by Citizens Fidelity
Bank and Trust Company, Louisville, Kentucky to
merge with Citizens Fidelity Bank and Trust Company
Oldham County, LaGrange, Kentucky
Newspaper: 6-20-92
Section 9 application by Citizens Bank of New
Haven, New Haven, Missouri to establish a branch
at the intersection of Second and Main Streets,
Gerald, Missouri

Newspaper: 6-19-92

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

End of Comment Period

Change in control notification involving Southeast
Arkansas Bank Corporation, Lake Village, Arkansas
by Charles Weissinger, Jr., Anne W. Weissinger,
Martha W. Weissinger and Margaret W. Wynn

Not yet available

Section 3(a)(3) application by Bancorp of
Mississippi, Inc., Tupelo, Mississippi to acquire
Volunteer Bancshares, Inc., Jackson, Tennessee

Newspaper: 6-12-92

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application

End of Comment Period

None.

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
Application
End of Comment Period
Section 24a application by Citizens Bank of New
Haven, New Haven, Missouri to make an additional
investment in bank premises

This application is subject to CRA.




Not applicable

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

AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification o f Ratings:
Outstanding record o f m eeting com m unity credit needs
A n institution in this group has an outstanding record of, and is a leader in, ascertaining and helping
to 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 m eeting com m unity credit needs
A n 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 o f m eeting com m unity credit needs
A n 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 m eeting com m unity credit needs
A n 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 22, 1992
Name o f Bank
C itiz e n s Bank




Bank Address
230 Main S tre e t
H a rtfo rd , Kentucky 42347

E xam ination
D ate
2-24-92

Exam ination
R ating
S a tis fa c to ry

FEDERAL RESERVE BANK OF MINNEAPOLIS

Section I - Applications Subject to
Newspaper Notice Only
Comment Period
Ending Date

Application
None.

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

Application
Winton Jones Limited Partnership
Wayzata, MN
To acquire 54% of Anchor Bancorp,
Inc., Wayzata, MN, a mbhc owning
the Heritage National Bank, North
St. Paul, MN; The Bank of Saint
Paul, St. Paul, MN; First National
Bank, Wayzata, MN; and the First
National Bank of West St. Paul,
West St. Paul, MN*
Bigfork Bancshares, Inc.
Bigfork, MN
To acquire 99.2% of the First
State Bank of Bigfork, Bigfork, MN*

6-19-92
(Federal Register)

Not yet available

Section III - Applications Subject
to Federal Register Notice Only

Application
None.

* Subject to CRA




Comment Period
Ending Date

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




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending May 22, 1992
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 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(S) EXAMINED
None.




DATE OF EXAMINATION

CRA RATING

Federal Reserve Bank of Kansas City

SECTION I ~ APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION
Custer County Bank, Westcliffe,
Colorado, for prior approval to merge
with The Fountain Branch of Green
Mountain Bank, Fountain, Colorado,
and incident thereto, to establish a
branch under section 9 of the Federal
Reserve Act.*

COMMENT PERIOD ENDING DATE
Not Available

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
APPLICATION
Stockgrowers State Banc Corporation,
Ashland, Kansas, for prior approval
to become a bank holding company
through the acquisition of 91.1
percent of the outstanding voting
shares of Stockgrowers State Bank,
Ashland, Kansas.*

COMMENT PERIOD ENDING DATE
Not Available

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

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




Federal Reserve Bank of Kansas City

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

community credit needs

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

Bank/Location

Exam Date

CRA Public
Date

The Jackson State Bank
P.O. Box 1788
Jackson, WY 83001-1788

2-18-92

5-21-92

Outstanding

Deuel County State Bank
P.O. Box 548
Chappell, NE 69129

2-24-92

5-21-92

Outstanding

*Application is subject to CRA.




FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF MAY 18, 1992
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 W. Collins, McAllen, TX, to acquire an interest
in First McAllen Inter National Bancshares, Inc.,
McAllen, TX
(Previously reported during the week of 4-27-92)
Change in Control Notice by
Chesley Pruet, El Dorado, AR, to acquire an interest
in Continental National Bancshares, Inc., El Paso, TX

92/05/25

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 MAY 18, 1992

Outstanding record of meeting community credit needs.
An institution in this group has an outstanding
leader in, ascertaining and helping to meet the
entire
delineated community, including
lowneighborhoods,
in a manner
consistent with
capabi1ities.

record of, and is a
credit needs of its
and moderate-income
its
resources
and

Satisfactory record of meeting community credit needs.
An
institution in this group has asatisfactory 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 5/22/92

Section I - Applications Subject to Newspaper Notice Only
A p p Iication

Comment Period Ending Date

The Farmers Bank of China, Taipei, Taiwan,
to establish a limited branch office in Los
Angeles, California.

Newspaper:

6/12/92

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

Comment Period Ending Date

Putra Masagung, Jakarta, Indonesia, to acquire
64.31 percent of Bank of San Francisco
Company Holding Company, San Francisco,
California.

Newspaper:

Not available

Fed. Reg.:

6/16/92

West One Bancorp, Boise, Idaho, and West One
Bancorp, Washington, Bellevue, Washington,
to acquire Yakima Valley Bank, Yakima,
Washington. *

Newspaper:

6/17/92

Fed. Reg.:

Not available

Section III - Applications Subject to Federal Register Notice Only
Professional Bancorp, Inc., Santa Monica,
California, to engage in nonbanking activities
through the acquisition of BBH Qualified Plans,
Inc., Pasadena, CA.

Fed. Reg.:

Not available

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

First Interstate Overseas Investment, Inc., Los Angeles, California, to amend
its articles of association to conform to Section 25A of the Federal Reserve
Act.

* Subject to CRA




FEDERAL RESERVE BANK OF SAN FRANCISCO (cont’d.)

Week ending 5/22/92
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during
the week ending May 22, 1992. Information about a particular institution’s
CRA evaluation may be obtained directly from the institution.
Institution

Location

Examination Date

Rating*

None

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