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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H.2, 1997, No. 21
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending May 24, 1997

ACTIONS TAKEN BY THE BOARD OF GOVERNORS
TESTIMONY AND STATEMENTS
Financial modernization legislation, H.R.10 -statement by Chairman Greenspan before the House
Committee on Banking and Financial Services,
May 22, 1997.
Published, May 22, 1997.
BANK HOLDING COMPANIES
Allied Irish Banks, pc., Dublin, Ireland, and First
Maryland Bancorp, Baltimore, Maryland -- to acquire
Dauphin Deposit Corporation, Harrisburg,
Pennsylvania, Dauphin Bank and Trust Company, the
nonbanking subsidiaries of Dauphin, and engage in
nonbanking activities.
Approved, May 19, 1997.
REGULATIONS AND POLICIES
Regulation C -- amendments to increase an exemption,
ease disclosure requirements, and extend data
collection authority (Docket R-0951).
Approved, May 19, 1997.
ENFORCEMENT




Marin National Bancorp, San Rafael, California -written agreement dated April 17, 1997, by and
between the Federal Reserve Bank of San Francisco
and Marin.
Announced, May 21, 1997.
Provident Bancorp of Texas, Inc., Dallas, Texas
issuance of consent orders of assessment of civil
money penalties against Michael L. Riddle, John
Averett, Park Jones, and T. Stuart Ducote, former
officers and directors of Provident Bancorp,
formerly a bank holding company.
Announced, May 22, 1997.

H.2
MAY 19, 1997
PAGE 2

TO

MAY 23, 1997

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

F & M Bank-Blakeley, Ramson, West Virginia -- to
establish a branch inside the Wal-Mart SuperCenter,
4 Charles Town Plaza, Charles Town, West Virginia.
Approved, May 20, 1997.

St. Louis

Mcllroy Bank & Trust, Fayetteville, Arkansas -- to
establish a branch in the Wal-Mart Supercenter at
3919 North Mall Avenue.
Approved, May 20, 1997.

Cleveland

Provident Bank of Kentucky, Alexandria, Kentucky -to establish a branch at M t . Zion and Sam Neace
Boulevard, Florence, Kentucky.
Approved, May 23, 1997.

BANK HOLDING COMPANIES




San Francisco

Castle Creek Capital Partners Fund-I,L.P., San Diego,
California -- waiver of certain commitment
concerning acquisition of Rancho Santa Fe National
Bank, Rancho Santa Fe, and First Community Bank of
the Desert, Yucca Valley, California.
Granted, May 20, 1997.

GC

Chambers Family Partnership, Danville, Arkansas -determination that it is a qualified family
partnership under the Bank Holding Company Act.
Granted, May 20, 1997.

Atlanta

Colonial BancGroup, Inc., Montgomery, Alabama -waiver of application to merge with Great Southern
Bancorp, West Palm Beach, Florida.
Approved, May 21, 1997.

Atlanta

Colonial BancGroup, Inc., Montgomery, Alabama -waiver of application to merge with First Commerce
Banks of Florida, Inc., Winter Haven, Florida.
Approved, May 21, 1997.

Atlanta

Colonial Bank, Montgomery, Alabama -- to merge with
Great Southern Bank, West Palm Beach, Florida.
Approved, May 21, 1997.

H .2

MAY 19, 1997
PAGE 3

TO

MAY 23, 1997

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

BANK HOLDING COMPANIES




Director, BS&R

Compagnie Financiere e Paribas, Paris, France, and
Banque Paribas -- request by Paribas to restore two
directors to the board of directors of Finaxa, a
French company, which indirectly controls Equitable
Life Assurance Society of the United States and
Donaldson, Lufkin & Jenrette, both of New York, New
York.
Granted, May 19, 1997.

Secretary

Compass Bancshares, Inc., Birmingham, Alabama, and
Compass Banks of Texas, Inc., and Compass
Bancorporation of Texas, Inc., Wilmington, Delaware
-- to acquire Central Texas Bancorp, Inc., Waco,
Texas, and Texas National Bank of Waco.
Approved, May 21, 1997.

Chicago

Dunn Investment Co., Eagle Grove, Iowa -- to acquire
Dunn Shares, Security Savings Bank, F&M Shares
Corp.,and Farmers & Merchants Savings Bank,
Manchester, Iowa.
Approved, May 22, 1997.

Boston

Falmouth Bancorp, Inc., Falmouth, Massachusetts -- to
acquire Falmouth Co-operative Bank, Sandwich,
Massachusetts.
Approved, May 22, 1997.

St. Louis

First Robinson Financial Corporation, Robinson,
Illinois -- to become a bank holding company upon
the conversion of First Robinson Savings and Loan,
F.S., to a stock savings and loan association, and
then into a national bank.
Approved, May 22, 1997.

Cleveland

FirstFederal Financial Services, Corp., Wooster, Ohio
-- to acquire FirstFederal Bank, National
Association.
Approved, May 23, 1997.

Cleveland

FirstFederal Financial Services Corp., Wooster,
Ohio -- to acquire Summit Bancorp, Akron, Ohio.
Approved, May 23, 1997.

H.2
MAY 19, 1997
PAGE 4

TO

MAY 23, 1997

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

BANK HOLDING COMPANIES




Atlanta

Firstrust Corporation, New Orleans, Louisiana --to
acquire shares of Automated Technology Machines,
Inc., and engage in data processing activities.
Permitted, May 21, 1997.

Minneapolis

Fishback Financial Corporation, Brookings, South
Dakota -- to engage de novo in lending activities.
Permitted, May 21, 1997.

New York

Greater Community Bancorp, Totowa, New Jersey -- to
engage in riskless principal transactions through
Greater Community Financial, L.L.C.
Approved, May 21, 1997.

Dallas

Hawkins Delaware Financial Corporation, Wilmington,
Delaware -- to acquire The First State Bank,
Hawkins, Texas.
Approved, May 21, 1997.

Dallas

Hawkins Financial Corporation, Hawkins, Texas -- to
acquire Hawkins Delaware Financial Corporation,
Wilmington, Delaware, and The First State Bank,
Hawkins, Texas.
Approved, May 21, 1997.

GC

Jones Family Limited Partnership, Irving, Texas -determination that it is a qualified family
partnership under the Bank Holding Company Act.
Granted, May 20, 1997.

Dallas

Medina Bankshares, Inc., D'Hanis, Texas -- to acquire
Medina Financial, Inc., Carson City, Nevada, and
D'Hanis State Bank, D'Hanis, Texas.
Approved, May 22, 1997.

Dallas

Medina Financial, Inc., Carson City, Nevada -- to
acquire D'Hanis State Bank, D'Hanis, Texas.
Approved, May 22, 1997.

H.2
MAY 19, 1997
PAGE 5

TO

MAY 23, 1997

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

BANK HOLDING COMPANIES




Minneapolis

Norwest Corporation, Minneapolis, Minnesota -- to
acquire The First National Bankshares, Inc.,
Tucumcari, New Mexico.
Approved, May 21, 1997.

Chicago

Peoples Financial Services, Inc., Hamtramck, Michigan
-- to acquire Peoples State Bank.
Returned, May 21, 1997.

Kansas City

Poteau Bancshares, Inc., Poteau, Oklahoma -- to
acquire First Poteau Corporation.
Approved, May 21, 1997.

Atlanta

Premier Bancshares, Inc., Atlanta, Georgia -- to
merge with Central and Southern Holding Company,
Milledgeville, and acquire Central and Southern
Bank of Georgia, and Central and Southern Bank of
North Georgia, Greensboro, and engage in operating
a savings and loan association.
Approved, May 21, 1997.

GC

Southerland Family Partnership, Little Rock, Arkansas
-- determination that it is a qualified family
partnership under the Bank Holding Company Act.
Granted, May 20, 1997.

Atlanta

Southern Security Financial Corporation, Hollywood,
Florida -- to acquire Southern Security Bank of
Hollywood.
Approved, May 22, 1997.

Director, BS&R

Stichting Prioriteit ABN AMRO Holding, Amsterdam, The
Netherlands, Stichting Administratiekantoor ABN
AMRO Holding, ABN AMRO Holding N.V., and ABN AMRO
Bank N.V. -- request for relief from section 20
firewalls to permit ABN Chicago Corporation to
underwrite the public offering of American
depository receipts of ABN AMRO Holding N.V.
Granted, May 19, 1997.

H .2

MAY 19, 1997
PAGE 6

TO

MAY 23, 1997

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

BANK MERGERS
Atlanta

Colonial Bank, Montgomery, Alabama -- to merge with
First Commerce Bank of Polk County, Winter Haven,
Florida.
Approved, May 21, 1997.

CAPITAL STOCK
Kansas City

Alamosa Bancorporation, Ltd., Alamosa, Colorado
redemption of shares.
Approved, May 23, 1997.

CHANGE IN BANK CONTROL




Kansas City

Alamosa Bancorporation, Ltd., Alamosa, Colorado
change in bank control.
Permitted, May 23, 1997.

St. Louis

Cecilian Bancorp, Inc., Cecilia, Kentucky -- change
in bank control.
Permitted, May 20, 1997.

Chicago

Leighton Investment Company, Leighton, Iowa -- change
in bank control.
Permitted, May 19, 1997.

Atlanta

Liberty Financial Services, Inc., New Orleans,
Louisiana -- change in bank control.
Permitted, May 19, 1997.

Dallas

Morris County Bankshares, Inc., Naples, Texas -change in bank control.
Permitted, May 20, 1997.

St. Louis

Mountain Home Bancshares, Inc., Mountain Home,
Arkansas -- change in bank control.
Permitted, May 21, 1997.

Atlanta

Weatherford Foundation of Red Bay, Alabama, Inc., Red
Bay, Alabama -- change in bank control.
Permitted, May 21, 1997.

H. 2
MAY 19. 1997
PAGE 7

TO

MAY 23, 1997

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

CHANGE IN BANK CONTROL
Minneapolis

Western Holding Company, Wolf Point, Montana -change in bank control.
Permitted, May 20, 1997.

COMPETITIVE FACTORS REPORTS




Kansas City

Canon National Bank, Canon City, Colorado, proposed
merger with Greenhorn Valley Bank, Colorado City,
Colorado -- report on competitive factors.
Submitted, May 19, 1997.

Dallas

Compass Bank Houston, Texas, proposed merger with The
Texas National Bank of Waco, Waco, Texas -- report
on competitive factors.
Submitted, May 20, 1997.

San Francisco

Cowlitz Bank, Longview, Washington, proposed
acquisition of the Castle Rock, Kalama, and
Longview, Washington, branches of Wells Fargo Bank,
N.A., San Francisco, California -- repprt on
compet it ive factors.
Submitted, May 20, 1997.

St. Louis

CFS Federal Savings Bank, Oakland, Tennessee,
proposed purchase of the assets and assumption of
the liabilities of the Oakland, branch of First
Federal Bank, F.S.B., Memphis, Tennessee -- report
on competitive factors.
Submitted, May 21, 1997.

Atlanta

First Bank of Cast Tennessee, National Association,
LaFollette, Tennessee, proposed merger with New
First Bank of Cast Tennessee, National
Association -- report on competitive factors.
Submitted, May 19, 1997.

H.2
MAY 19, 1997
PAGE 8

TO

MAY 23, 1997

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

COMPETITIVE FACTORS REPORTS
Dallas

LaGrange State Bank, LaGrange, Texas, proposed merger
with Citizens State Bank, Hempstead, Texas -report on competitive factors.
Submitted, May 23, 1997.

San Francisco

National Bank of Arizona, Tucson, Arizona, proposed
acquisition of the assets and assumption of the
liabilities of eleven branches of Wells Fargo Bank,
N.A., San Francisco, California -- report on
competitive factors.
Submitted, May 23, 1997.

New York

National Bank of Delaware County, Walton, New York,
proposed acquisition of certain assets and
assumption of certain liabilities of a branch at
Route 10, Hamden, of NBT Bank, National
Association, Norwich, New York -- report on
competitive factors.
Submitted, May 21, 1997.

Philadelphia

Sovereign Bancorp, Inc., Wyomissing, Pennsylvania,
proposed merger with Bankers Corporation, Perth
Amboy, New Jersey -- report on competitive factors.
Submitted, May 20, 1997.

St. Louis

Union Planters Bank of Jackson, N.A., Jackson,
Tennessee, proposed purchase of certain assets and
assumption of certain liabilities of the Jackson,
branch of Central State Bank, Lexington,
Tennessee -- report on competitive factors.
Submitted, May 22, 1997.

EXTENSIONS OF TIME




Boston

UFS Bancorp, Whitinsville, Massachusetts -- extension
to acquire UniBank For Savings.
Granted, May 19, 1997.

H .2

MAY 19, 1997
PAGE 9

TO

MAY 23, 1997

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

EXTENSIONS OF TIME
St. Louis

Union Illinois Company, Swansea, Illinois -extension to engage in consumer credit activities
through the purchase of the assets of Missouri
Payday Loan Company, Inc., Missouri Budget Inc.
(dba Missouri Payday Loan/Budget Finance), and
Budget Finance, Inc., all in St. Louis, Missouri.
Granted, May 23, 1997.

San Francisco

Wells Fargo & Company, San Francisco, California
extension to divest certain property.
Granted, May 22, 1997.

San Francisco

Foothill Independent Bank, Glendora, California -- to
become a member of the Federal Reserve System.
Approved, May 20, 1997.

MEMBERSHIP

REGULATIONS AND POLICIES




Secretary

Federal Open Market Committee -- minutes of the
meeting on March 25, 1997.
Published, May 22, 1997.

H.2
MAY 19, 1997
PAGE 10

ADDITIONS AND CORRECTIONS
TO

MAY 23, 1997

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

BANK BRANCHES. DOMESTIC
Kansas City

Bank of Colorado-Western Slope, Grand Junction,
Colorado -- to establish a branch at 2900 F Road.
Approved, May 16, 1997.

BANK HOLDING COMPANIES
Secretary

Citizens Banking Corporation, Flint, Michigan -- to
acquire CB Financial Corporation, Jackson, City
Bank and Trust Company; City Bank, St. Johns, and
CB-North, Charlevoix, Michigan.
Approved, May 16, 1997.

New York

Deutsche Bank Ag, Frankfurt, Germany -- to acquire
Ganis Credit Corporation, Newport Beach,
California, and engage in lending activities.
Permitted, May 16, 1997.

Kansas City

Northeast Kansas Bancshares, Inc., Valley Falls,
Kansas - -to acquire Valley Falls Insurance, Inc.,
Valley Falls, Kansas.
Approved, May 16, 1997.

BANKS. FOREIGN
New York

National Westminster Bank PLC, London, England -- to
establish an agency in Houston, Texas.
Approved, May 14, 1997.

CHANGE ZN BANK CONTROL
Kansas City

First Bancshares, Inc., Ada, Oklahoma -- change in
bank control.
Permitted, May 16, 1997.

EXTENSIONS OF TZNE




Chicago

AliKat Investments, Inc., Gurnee, Illinois -extension to September 2, 1997, to acquire
NorthSide Community Bank.
Granted, May 15, 1997.

Kansas City

AMERIBANC HOLDINGS, Durango, Colorado -- extension to
August 12, 1997, to acquire The Bank of Durango.
Granted, May 14, 1997.

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS
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
Application

comment Pc£io.d .Ending ..Date
NONE
SECTION III - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY

Applicat ion

Comment Period Ending Date
NONE
SECTION IV - APPLICATIONS NOT SUBJECT TO
FEDERAL REGISTER O R ,NEWSPAPER NOTICE

Application
NONE
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
institution
Fleet Bank - NH
1155 Elm Street
Manchester, NH 03101
(603) 647-7660
RSSD No. 287604




Examination..Date

Rating**

April 15, 1996

"S"

SECTION VI - APPLICATIONS BULLETIN

,

Effective April 21, 1 9 9 7 information regarding the comment periods associated with
applications and notices submitted to the Federal Reserve Bank of Boston for
processing under section 3 and 4(c)(8) of the Bank Holding Company Act of 1956, as
amended, will be available 24 hours a day by calling the following
toll-free number 1-800-896-9480.

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




FEDERAL RESERVE BANK OF NEW YORK
Comment Period
Ending Date
SECTION I
Applications Subject to Newspaper
_____ Notice Only_____
None.
SECTION

U

Applications Subject to Both
Newspaper and Federal Register Notice
United Roosevelt MHC, a proposed New Jersey mutual holding company,
and its subsidiary, United Roosevelt Bancorp, a proposed New Jersey
stock holding company, both of Carteret, New Jersey, to acquire 100
percent of the shares of common stock of United Roosevelt Savings
Bank, Carteret, New Jersey, a New Jersey stock savings bank and the
proposed successor to United Roosevelt Savings Bank, a New Jersey
mutual savings bank. 1 /
s e c t io n

6/23/97 2J

m

Nonbanking Applications
(subject to Federal Register Notice-Only)
Dresdner Bank AG, Frankfurt, Germany, to engage through existing
or future nonbank subsidiaries in the following activities: extending credit
and servicing loans; activities related to extending credit; leasing personal
or real property; trust company functions; financial and investment advisory
activities; agency transactional services for customer investments;
investment transactions as principal; and management consulting and
counseling activities.

N/A

Cooperatieve Centrale Raiffeisen-Boerenleenbank, B.A., Rabobank
Nederland, Utrecht, The Netherlands, to acquire indirectly, through
Robeco Group, N.V., The Netherlands: (1) SmithGraham &Co.
Asset Managers, L.P., Houston, Texas; (2) SGR Global Advisors,
Houston, Texas; (3) Robeco Institutional Asset Management US Inc.,
Houston, Texas; and (4) AEA Global Advisors, LLC, New York,
New York, and thereby engage in: (i) acting as an investment or
financial advisor; and (ii) acting as a commodity pool operator.

N/A

Applications Not Involving
Public
Notice by NSS Bancorp, Inc,, Norwalk, Connecticut, to become a bank
h o ld in g com pany w ith resp ect to N orw alk S avings S ociety, N orw alk,
C o n n ecticu t.




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
neighborhoods, in a manner consistent with its resources and capabilities.
Week Ending May 24.1997
NAME OF BANK

RATTNG

None.

1/ Subject to provisions of Community Reinvestment Act.
2/ Later of dates specified in newspaper and Federal Register notices.
y Date specified m newspaper notice; a later date may 6e specified in
the Federal Register notice.
4/ Date sp ecified in F ederal Register notice; a later date may be
specified in the newspaper notice.
N/A - Not Available




EXAMINATION DATE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER
NOTICE ONLY
Northumberland Bancorp. Dunmore, PA to become a bank holding company through the
acquisition of The Northumberland National Bank, Northumberland, PA, pursuant to Section
3(a)(l)RN of the Bank Holding Company Act.
Newspaper comment period expires:

05/028/97

SECTION II - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEWSPAPER
AND FEDERAL REGISTER NOTICE
Fulton Financial Corp. Lancaster, PA to acquire 100 percent of the voting shares of The
Peoples Bank of Elkton, Elkton, PA., pursuant to Section 3(a)(3) of the Banking Holding
Company Act.
Newspaper comment period expires:
N/Avail
Federal Register comment period expires: N/A vail
SECTION III - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL
REGISTER NOTICE ONLY
NONE
SECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL
REGISTER NOTICE OR NEWSPAPER




FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
The following institutions were examined for CRA. The 30-business day period the bank has
to make the evaluation public has lapsed during the week ending May 23, 1997.
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in, ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Bank/Location

Examination Date

CRA Rating

NONE

NONE

NONE




APPLICATIONS BULLETIN
(For the week ending May 24, 1997)

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
NONE
SECTION n - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL
REGISTER NOTICE
NONE
SECTION HI - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
NONE
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
Received notice from Monitor Bancorp, Inc., Big Prairie, OH on May 21, 1997, of its intent
to acquire the outstanding voting shares of The Monitor Bank, Big Prairie, OH.

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




AVAILABILITY OF CRA PUBLIC EVALUATIONS
(May 23, 1997)

The following state member banks have been examined by the Federal Reserve Bank of
Cleveland for compliance with The Community Reinvestment Act. A public evaluation document
became available from the bank(s) listed below during the week ended May 23, 1997. If you are
interested in obtaining a copy of an evaluation document, please contact the bank(s) directly.
There are four descriptive ratings for CRA:
OUTSTANDING: a bank in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
SATISFACTORY: a bank in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
NEEDS TO IMPROVE: a bank in this group needs to improve its overall record of
ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
SUBSTANTIAL NON COMPLIANCE: a bank in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
Fifth Third Bank
Fifth Third Center
38 Fountain Square Plaza
Cincinnati, OH 45263
Rating: Outstanding
Exam. Date: 2-3-97
Disclosure Date: 5-23-97
RSSD# 723112




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

Mgfclce Only
Application

Comment Period Ending Date

None.

Sflgfcign II r Application Subject.to.goth
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

NationsBank Corporation, Charlotte,
North Carolina, to retain in a
fiduciary capacity 14.83% of Citizens
Bancshares of Eldon, Missouri, Inc.,
Eldon, Missouri.*

6-23-97

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
Applicatipn

Southern National Corporation, WinstonSalem, North Carolina, to acquire Refloat,
Inc., Pilot Mountain, North Carolina, and
Sheffield Financial Corp., Clemmons, North
Carolina.
Botetourt Bankshares, Inc., Buchanan,
Virginia, to become a bank holding
company through the acquisition of
100% of the voting shares of Bank of
Botetourt, Buchanan, Virginia.

♦Application is subject to CRA requirements.




Federal Reserve Bank of Richmond

Section V - Availability of CRA Public Evaluations
Week ending May 23,

1997

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

RSSD
Number
887126

2353595

829032




Examination
Date

Name of Bank

Rating

First Community Bank, Inc.
2 West Main Street
Buckhannon, West Virginia 26202

2-3-97

Satisfactory

First Community Bank of Mercer
County, Inc.
1001 Mercer Street
Princeton, West Virginia 24740

2-3-97

Satisfactory

Barbour County Bank
107 Pike Street
Philippi, West Virginia

3-3-97

Needs to improve.

26416

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending Mav 23. 1997
Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Southwest Georgia Bank
06-06-97*
Moultrie, Georgia
To establish a drive-thru branch facility located at 205 Second Street, S.E., Moultrie, Georgia.

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

Comment Period Ending Date

Republic Bancshares, Inc.
06-20-97*
St. Petersburg, Florida
Newspaper
To acquire F.F.O. Financial Group, Inc., St. Cloud, Florida, and its thrift subsidiary, First
Federal Savings and Loan Association of Osceola County, Kissimmee, Florida, and thereby
engage in operating a savings association, pursuant to Section 225.28(b)(4)(ii) of Regulation Y
and Section 4(c)(8) of the Bank Holding Company Act.
First State Bancshares of Blakely, Inc.
Not yet available*
Blakely, Georgia
To convert its wholly-owned thrift subsidiary, First Federal Savings Bank of Southwest Georgia,
Donalsovnille, Georgia, to a state-chartered commercial bank, First State Bank of Donalsonville,
Donalsonville, Georgia, pursuant to Section 3(a)(3) of the Bank Holding Company Act.

Section 3 - Applications Subject to Federal Register Only
Application

Comment Period Ending Date

None.

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
None.

♦Subject to provisions of the Community Reinvestment Act.



Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending Mav 23. 1997
Section 10 - Availability of CRA Public Evaluations
The CRA public evaluations of the insured depository institutions listed below became available
during this week. Information about an institution's CRA evaluation may be obtained directly
from the institution. In connection with the assessment of an institution's CRA performance, a
rating is assigned from the following groups:
Outstanding record of meeting community credit needs: An institution has an outstanding
record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs: An institution has a satisfactory record
of ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
Needs to improve record of meeting community credit needs: An institution needs to improve
its overall record of ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Substantial noncompliance in meeting community credit needs: An institution has a
substantially deficient record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.

Bank
None.




CRAJiating

Examination Date

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending May 23. 1997
Recently Approved Applications

Approval Date

The Colonial BancGroup, Inc.
05-21-97
Montgomery, Alabama
Request for waiver of the application requirement of Section 3(a)(5) of the Bank Holding Company
Act to merge with Great Southern Bancorp, West Palm Beach, Florida, and thereby directly acquire
Great Southern Bank, West Palm Beach, Florida.
The Colonial BancGroup, Inc.
05-21-97
Montgomery, Alabama
Request for waiver of the application requirement of Section 3(a)(5) of the Bank Holding Company
Act to merge with First Commerce Banks of Florida, Inc., Winter Haven, Florida, and thereby
directly acquire First Commerce Bank of Polk County, Winter Haven, Florida.
Colonial Bank
05-21-97
Montgomery, Alabama
To merge with Great Southern Bank, West Palm Beach, Florida, pursuant to Section 18(c) of the
Federal Deposit Insurance Act.
Colonial Bank
05-21-97
Montgomery, Alabama
To merge with First Commerce Bank of Polk County, Winter Haven, Florida, pursuant to Section
18(c) of the Federal Deposit Insurance Act.
The Weatherford Foundation of Red Bay, Alabama, Inc.
05-21 -97
Red Bay, Alabama
After-the-fact notification filed by Ms. Tammy B. Montgomery to retain 60.90 percent of the
outstanding shares of The Weatherford Foundation of Red Bay, Alabama, Inc., Red Bay, Alabama
(Foundation), in her capacity as one of five trustees of Foundation.
Southern Security Financial Corporation
05-22-97
Hollywood, Florida
1-BHC formation, Southern Security Financial Corporation, and its subsidiary, Southern Security
Bank of Hollywood, both of Hollywood, Florida.
Premier Bancshares, Inc.
05-21 -97
Atlanta, Georgia
Notification to acquire Central and Southern Bank of North Georgia, Greensboro, Georgia, and
thereby engage in operating a savings association, pursuant to Section 225.25(b)(9) of Regulation Y
and Section 4(c)(8) of the Bank Holding Company Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending Mav 23. 1997
Recently Approved Applications

Approval Date

Premier Bancshares, Inc.
05-21 -97
Atlanta, Georgia
To merge with Central and Southern Holding Company, Milledgeville, Georgia, and thereby directly
acquire Central and Southern Bank of Georgia, Milledgeville, Georgia, pursuant to Section 3(a)(5)
of the Bank Holding Company Act.
Firstrust Corporation
05-21-97
New Orleans, Louisiana
Notification to acquire up to 24.9 percent of Automated Technology Machines, Inc., New Orleans,
Louisiana, and thereby engage in data processing activities, pursuant to Section 225.28(b)(14) of
Regulation Y and Section 4(c)(8) of the Bank Holding Company Act.
Liberty Bank Employee Stock Ownership Plan
05-19-97
New Orleans, Louisiana
To retain 1.99 percent of the outstanding shares of Liberty Financial Services, Inc., New Orleans,
Louisiana. The acquisition will increase the total ownership to 14.53 percent.




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

Ixpe

Application

Merger & Branch

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

NP -5-22-97

Merger & Branch

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

NP -5-30-97

Merger & Branch

M&I Bank of Fox Valley
Appleton, Wisconsin
5 branch offices of M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
and to establish 5 branches

Merger & Branch

M&I Bank Northeast
Green Bay, Wisconsin
10 branch offices of M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
and to establish 10 branches

Merger & Branch

M&I Bank of Eagle River
NP -**
Eagle River, Wisconsin
Eagle River, Wisconsin & Three Lakes, Wisconsin branches of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
and to establish branches at
633 North Railroad Street
Eagle River, Wisconsin
624 Anderson Street
Three Lakes, Wisconsin




NP -**

NP -**

Federal Reserve Bank of Chicago
Section I - Applications Subject to Newspaper
Notice Only cont’d
Comment Period

Ending Pate

Type

Application

Merger & Branch

M&I Bank of Menomonee Falls
Menomonee Falls, Wisconsin
Menomonee Falls, Wisconsin branch office of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
and to establish a branch at
N85 W16058 Appleton Avenue
Menomonee Falls, Wisconsin

NP -**

Merger & Branch

M&I Bank of Shawano
Shawano, Wisconsin
Shawano, Wisconsin branch office of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
and to establish a branch at
401 East Green Bay Street
Shawano, Wisconsin

JSfP

Merger & Branch

M&I Bank of South Central
Watertown, Wisconsin
Watertown, Wisconsin branch office of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
and to establish a branch at
808 East Main Street
Watertown, Wisconsin

jsjp -**

Merger & Branch

M&I Central State Bank
Oshkosh, Wisconsin
Oshkosh, Wisconsin branch office of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
and to establish a branch at
347 North Sawyer Street
Oshkosh, Wisconsin

js jp _ * *




Federal Reserve Bank of Chicago
Section I - Applications Subject to Newspaper
Notice Orilv cont’d
Comment Period

lype

Application

Merger & Branch

M&I Lake Country Bank
Hartland, Wisconsin
Oconomowoc, Wisconsin branch office of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
and to establish a branch at
326 East Wisconsin Avenue
Oconomowoc, Wisconsin

NP _**

Merger & Branch

M&I Merchants Bank
Rhinelander, Wisconsin
Rhinelander, Wisconsin branch office of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
and to establish a branch at
4 South Brown Street
Rhinelander, Wisconsin

NP -**

Merger & Branch

NP -**
M&I First American Bank
Wausau, Wisconsin
Wausau, Wisconsin & Rothschild, Wisconsin branch offices of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
and to establish branches at
400 4th Street
Wausau, Wisconsin
2001 Steward Avenue
Wausau, Wisconsin
1134 Grand Avenue
Rothschild, Wisconsin




Ending Pate

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

Type

Application

Merger & Branch

M&I Bank of Racine
Racine, Wisconsin
Racine, Wisconsin branch office of
M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
and to establish branches at
468 College Avenue
Racine, Wisconsin
4100 Durand Avenue
Racine, Wisconsin
3215 Douglas Avenue
Racine, Wisconsin
5100 Washington Avenue
Racine, Wisconsin

Np .**

Branch

Bank of Lenawee
Adrian, Michigan
450 East Michigan Avenue
Saline, Michigan

NP -5-31-97

Branch

State Bank
Everly, Iowa
301 North Main Street
Everly, Iowa

NP -5-14-97

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




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

Type

Application

3(a)(3)

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

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

3(a)(3)

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

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

3(a)(1)

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

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

3(a)(1)

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

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

3(a)(3)

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

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

3(a)(1)

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

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




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

Type

Application

3(a)(1)

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

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

3(a)(1)

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

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

3(a)(1)

FBA Bancorp Inc.*
Chicago, Illinois
First Bank of the Americas, S.S.B.
Chicago, Illinois

FR - 6-12-97
NP _ **

3(a)(3)

Central Illinois Bancorp, Inc.*
Sidney, Illinois
First Ozaukee Capital Corporation
Cedarburg, Wisconsin
First Ozaukee Savings Bank
Cedarburg, Wisconsin

PR _ **
NP - **

3(a)(3)

Firstbank Corporation*
Alma, Michigan
Lakeview Financial Corporation
Lakeview, Michigan
Bank of Lakeview
Lakeview, Michigan

FR - 6-9-97
NP - 6-8-97




Federal Reserve Bank of Chicago
Section III - Applications Sub ject to Federal Register
Notice Only
Comment Period
Ending Date

Type

Application

4(c)(8)

Caisse Nationale de Credit Agricole, S.A.
Paris, France
Dean Witter Reynolds Inc.
London, England
Dean Witter International, Ltd.
London, England

PR - * *

4(c)(8)

Credit Agricole Indosuez
Paris, France
Dean Witter Reynolds Inc.
London, England
Dean Witter International, Ltd.
London, England

PR _ **

4(c)(8)

Pinnacle Financial Services, Inc.
St. Joseph, Michigan
CB Bancorp, Inc.
Michigan City, Indiana
Community Bank, a Federal Savings Bank
Michigan City, Indiana

PR _ **

4(c)(8)

Pinnacle Financial Services, Inc.
St. Joseph, Michigan
Indiana Federal Corporation
Valparaiso, Indiana
Indiana Federal Bank
Valparaiso, Indiana
IndFed Financial Services, Inc.
Valparaiso, Indiana
IndFed Mortgage Company
Valparaiso, Indiana
IndFed Investment Services, Inc.
Valparaiso, Indiana
Forest Holdings, Inc.
Lisle, Illinois

PR _ **




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

Type
NONE




Application

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

The following state member banks have been examined by the Federal Reserve Bank of Chicago for
compliance with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed
during the week ending May 23, 1997. If you are interested in obtaining a copy of the evaluation document,
please contact the bank(s) directly.
Identification of Ratings
O-

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

S-

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

NI -

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

SN -

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




BANK NAME/LOCATION

EXAMINATION DATE

RATINGS

Villa Grove State Bank
Ten North Main Street
Villa Grove, Illinois 61956-0027
(217) 832-2631
RSSD# 474245

1/27/97

O

Hinsbrook Bank and Trust
6262 South Route 83
Willowbrook, Illinois 60514-2985
(630) 920-2700
RSSD# 428547

2/03/97

S

R E S E R V E B A N K A P P L IC A T IO N S B U L L E T IN

For week ending May 23,1997

F E D E R A L R E S E R V E B A N K O F S T . L O U IS

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application

End o f Com m ent Period

* Section 9 branch notification by MidSouth Bank,
Monette, Arkansas, to establish a branch at 3505
East Johnson Avenue, Jonesboro, Arkansas.

6-14-97

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

End of Comment Period

* Section 3(a)(1) notification by Midwest Bancshares,
Inc. and Affiliates Employee Stock Ownership Plan,
Poplar Bluff, Missouri, to acquire 36.48 percent of
Midwest Bancorporation, Inc., Poplar Bluff, Missouri
(received during the week ending May 16, 1997).

Newspaper: 6-16-97

* Section 3(a)(3) notification by Gideon Bancshares
Company, Dexter, Missouri, to acquire First Midwest
Bank of Chaffee, Chaffee, Missouri.

Federal Register 6-20-97

* Section 3(a)(1) notification by The Bank of Mulberry
Employee Stock Ownership Trust, Mulberry, Arkansas,
to acquire 50.5 percent of Acme Holding Company,
Mulberry, Arkansas.

Newspaper: 6-16-97

* Section 3(a)(5) expedited notification by National
City Bancshares, Inc., Evansville, Indiana, to merge
with Bridgeport Bancorp, Inc., Bridgeport, Illinois.

Newspaper: 6-9-97

* Section 3(a)(3) notification by Meade Bancorp, Inc.,
Brandenburg, Kentucky, to acquire 15.6 percent of
Bedford Loan and Deposit Bancorp, Inc., Bedford,
Kentucky.

Newspaper: 6-16-97

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application
None.

* This notification is subject to CRA.




End of Comment Period

R E S E R V E B A N K A P P L IC A T IO N S B U L L E T IN

For week ending May 23, 1997

F E D E R A L R E S E R V E B A N K O F S T . L O U IS

SECTION IV - APPLICATIONS NQT SUBJECT TQ FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
Application

End of Comment Period

Section 3(a)(5)(C) notification by Clay City Bank
Shares, Inc., Clay City, Illinois, to acquire The
Clay City Bank, Clay City, Illinois.

N/A




RESERV E BA N K A PPLIC A TIO N S B U LLE TIN

For week ending May 23,1997

F E D E R A L R E S E R V E B A N K O F S T . L O U IS

SECTION V - AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification of Ratines:

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

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

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

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

Bank RSSD
Number

Name of Bank

Bank Address

Examination
Date

Examination
Rating

773247

Effingham State Bank

Effingham, IL

02/10/97

Satisfactory

77347

English State Bank

English, IN

02/18/97

Satisfactory




FED ER A L R E SER V E BANK O F M IN N EA PO LIS
Section I - Applications Subject to
Newspaper Notice Only
Comment Period
Ending Date

Application
NONE.
FE D E R A L R E SER V E BANK O F M IN N EA PO LIS
Section II - Applications Subject to Both
Newspaper and Federal Register Notice

Comment Period
Ending Date

Application
First Bancorp o f River Falls, River Falls, Wisconsin,
for prior approval to become a bank holding company
through the acquisition o f 100% o f the voting shares o f
First National Bank of River Falls, River Falls, Wisconsin.

Not yet available

*

Ewen Bancshares, Inc., Ewen, Michigan, for prior approval
to become a bank holding company through the acquisition
o f 100% o f the voting shares o f State Bank o f Ewen, Ewen,
Michigan. *

Not yet available

* Subject to CRA
FE D E R A L R E SER V E BANK O F M IN N EA PO LIS
Section III - Applications Subject
to Federal Register Notice Only
Comment Period
Ending Date

Application
NONE.
FE D ER A L R ESER V E BANK O F M IN N EA PO LIS
Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
NONE.




FE D E R A L R E SE R V E BANK O F M IN N E A PO L IS
Section V - Availability o f
CRA Public Evaluations
w eek ending M ay 23,1997

ASSIGNMENT OF RATING
Identification o f Ratings
In connection with the assessment o f each insured depository institution's CRA performance, a rating is
assigned from the following groups:
OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to
meet the credit needs o f its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a satisfactory record o f ascertaining and helping to meet the credit needs
o f its entire delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group needs to improve its overall record o f ascertaining and helping to meet the
credit needs o f its entire delineated community, including low- and moderate-income neighborhoods, in
a manner consistent with its resources and capabilities.
SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient record o f ascertaining and helping to meet the
credit needs o f its entire delineated community, including low-and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
BANKtSt EXAMINED

DATE OF EXAMINATION

CRA RATING

The Citizens State Bank
o f Ontonagon
501 River Street
Ontonagon, MI 49953

February 11, 1997

Satisfactory

The First State Bank o f Emmons
P.O. Box 28
Emmons, MN 56029-0028

February 18, 1997

Satisfactory

Ridgedale State Bank
1730 Plymouth Road
Minnetonka, MN 55305

February 18, 1997

Satisfactory




KANSAS CITY RESERVE BANK APPLICATIONS AND REPORTS RECEIVED
During the week ending May 23, 1997
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

Security Bancshares, Inc., Scott City, Kansas, for
prior approval to acquire 9.5 percent of the voting
shares of Intra Financial Corporation, Clyde, Kansas.*

June 20, 1997

Intra Financial Corporation, Clyde, Kansas, for prior
approval to acquire 100 percent of the voting shares of
Peoples Bancorp of Belleville, Inc., Belleville,
Kansas.*

June 20, 1997

Binger Agency, Inc., Binger, Oklahoma, for prior
approval to merge with Midstate Bancorp, Inc.,
Hinton, Oklahoma.*

June 20, 1997

Plainview Holding Company, Pilger, Nebraska, for
prior approval to acquire 100 percent of the voting
shares of American National Bank of Creighton,
Nebraska.*

June 23, 1997

Gold Banc Corporation, Prairie Village, Kansas, for
prior approval to acquire 100 percent of the voting
shares of Peoples Bancshares, Inc., Clay Center,
Kansas.*

Not Available

Trust Estate Established Under THIRD Clause of the
Will of John H. Bedene, Arma, Kansas, for prior
approval to acquire 51 percent of the voting shares of
Bedene Insurance Agency, Arma, Kansas.

Not Available

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
APPLICATION
None.




COMMENT PERIOD ENDING DATE

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
APPLICATION
First Kansas Holding Company, Junction City,
Kansas, for prior approval to redeem 2,000 shares of
common stock.
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:
Outstanding record of meeting community credit needs
An institution in this group has an outstanding record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs
An institution in this group has a satisfactory record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.




CRA
Rating

Exam Date

CRA Public
Date

02-10-97

05-22-97

Satisfactory

Bank of Commerce
547550
P.O. Box 50
Rawlins, Wyoming 82301-0050

02-24-97

05-20-97

Outstanding

Crete State Bank
543057
P.O. Box 66
Crete, Nebraska 68333-0066

02-18-97

05-20-97

Satisfactory

Bank/Location

RSSD#

Central Bank of Missouri
491251
P.O. Box 1326
Sedalia, Missouri 65301-1326

♦Application is subject to CRA.




..
'

FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF MAY 19. 1997

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
John P. Pennington. El Paso, TX. only notificant,
to acquire an interest in Ruidoso Bank Corporation,
Ruidoso, NM

97/06/05

*Section 3(a)(1) application by
Bedford Bancshares, Inc., Bedford, TX, to acquire
Bedford Delaware Bancshares, Inc., Dover, DE,
and Western American National Bank, Bedford, TX

N/A

^Section 3(a)(1) application by
Bedford Delaware Bancshares, Inc., Dover, DE, to acquire
Western American National Bank, Bedford, TX

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 19. 1997

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

Bank
None.




Date of
Examination

CRA Rating

FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 5/23/97
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
Security State Corporation to become a bank holding
company by acquiring Security State Bank, both of
Centralia, California. *

Newspaper:

6/03/97

Fed. Reg.:

6/09/97

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

Newspaper:

6/09/97

Fed. Reg.:

6/09/97

Neighborhood Bancorp, San Diego, California, to
become a bank holding company by acquiring
Neighborhood National Bank (In Organization),
San Diego, California. *

Newspaper:

Not available

Fed. Reg.:

6/23/97

Section III -Applications Subject to Federal Register Only
Neighborhood Bancorp, San Diego, California, to
engage d£ novo in certain nonbanking activities through
Neighborhood Housing Development Corporation and
Neighborhood Capital Advisors, both of San Diego,
California.

Fed. Reg.:

6/23/97

Section IV - Applications Not Subject to Federal Register Notice
or Newspaper Notice (Cont'd.)
None

* Subject to CRA.



FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 5/23/97
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during this week. Information
about a particular institution's CRA evaluation may be obtained directly from the institution.
Institution

Location

Examination Date

Rating*

The Vintage Bank

1500 Soscol Avenue
Napa, CA 94559-1910
(707) 257-8585

1/21/97

Satisfactory

First Security Bank
of Nevada

530 Las Vegas Blvd. South
Las Vegas, NV 89101
(702) 251-1100

1/21/97

Satisfactory

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

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



H .2 A

Notice of Formations and Mergers of, and Acquisitions by, Bank Holding
Companies; Change in Bank Control
Notices Filed since the H.2A dated May 23,1997
The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act of
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j)), Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board of Governors, no
later than the end of the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end of this release.
The public portions of the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;
addresses are listed at the end of this release. Applications and notices also may be obtained from the
Board.
Applicant or notificant

Acquiree or activity

Bedene, John B.,
Bedene, Bruce Fowler,
Bualle, Becky Suzanne,
and Bedene, Barry
William, as co-trustees
of the Trust Estate
established by the Will
of John H. Bedene,
Deceased, all of Arma,
KS
Central Illinois Bancorp,
Sidney, IL




Section of law

Reserve Bank

End of comment period

Bedene Insurance Agency,
Inc.,
Arma, KS, and
The First State Bank,
Arma, KS

CIBC

Kansas City

June 18, 1997

First Ozaukee Capital
Corporation,
Cedarburg, WI, and
First Ozaukee Savings
Bank,
Cedarburg, WI

3

Chicago

June 26, 1997

Applicant or notiflcant

Acquiree or activity

Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A., Rabobank
Nederland, Utrecht,
Netherlands; and
Smith Graham & Co.
Asset Managers L.P.,
Houston, TX

Financial advisor (b)(1) &
(2)

Dresdner Bank
AG,Frankfurt,
Germany, and Dresdner
Kleinwort Benson,
New York, NY

Reserve Bank

End of comment period

4

New York

June 17, 1997

extending credit &
servicing loans (b)(1),
leasing personal/real
property (b)(3), trust
company functions (b)(5),
financial/investment advisor
(b)(6); agency transactional
services for customer
investment (b)(8); &
management consulting &
conseling (b)(9)

4

New York

June 17, 1997

ECSB Holding
Company, Inc.,
Fort Walton Beach, FL

American National
Financial Corporation,
Panama City, FL and
First National Bank
Northwest Florida,
Panama City, FL

3

Atlanta

June 27, 1997

Ewen Bancshares, Inc.,
Ewen, MI

State Bank of Ewen,
Ewen, MI

3

Minneapolis

June 26, 1997

Fields, Alvin L., Honey
Grove, TX, and
Wilburn, Ronald L., San
Antonio, TX

Quadco Bancshares, Inc.,
Ladonia, TX, and
Farmers and Merchants
State Bank,
Ladonia, TX

CIBC

Dallas

June 18, 1997

First National Bancorp
of River Falls, Inc.,
River Falls, WI

The First National Bank of
River Falls,
River Falls, WI

3

Minneapolis

June 26, 1997

First National
Bancshares of Gallatin,
Inc.,
Gallatin, MO

Interim First National Bank
of Gallatin,
Gallatin, MO,
First National Bank of
Gallatin,
Gallatin, MO

3

Kansas City

June 27, 1997




Section of law

Applicant or notificant

Acquiree or activity

Huntington Bancshares,
Inc.,
Columbus, OH
CONTINUED

The Chase Manhattan
Corp., Bankers Trust New
York Corp., Citicorp and
Security Pacific Corp. (75.
Fed. Res. Bull. 192 (1989)

Huntington Bancshares,
Inc., Columbus, OH,
Huntington Capital
Corp.,
Columbus, OH
CONTINUED

Reserve Bank

End of comment period

4

Cleveland

June 17, 1997

underwriting & dealing to a
limited extent in all types of
debt securities, including
corporate debt, sovereign
debt securities, mortgage
revenue bonds, mortgagebacked and consumerreceivable securities J.P.
Morgan & Co.,
CONTINUED

4

Cleveland

June 17, 1997

Johnson, Willard M., as
managing general
partner of the
WMJ/RMJ Family
Limited Partnership II,
Houston, TX

Jamestown Union
Bancshares, Inc.,
Jamestown, TN, and
Union Bank,
Jameston, TN

CIBC

Atlanta

June 18, 1997

Moody Bancshares,
Inc., Galveston, TX, and
Moody Bank Holding
Company, Reno, NV

The Moody National Bank
of Galveston,
Galveston, TX

3

Dallas

June 27, 1997

MSB Mutual Holding
Company, and MSB
Financial
Corp., both of Wall
Township, NJ

Manasquan Savings Bank,
Wall Township, NJ

3

New York

June 27, 1997

NationsBank
Corporation, and NB
Holdings
Corporation, both of
Charlotte, NC

Citizens Bancshares of
Eldon, Missouri, Inc.,
Eldon, MO, and
Citizens Bank of Eldon,
Eldon, MO

3

Richmond

June 26, 1997

New Woodson
Bancshares, Inc.,
Graham, TX

Woodson Bancshares, Inc.,
Woodson, TX, and
First State Bancorp, Inc.,
Carson
City, NV, and First State
Bank, Graham, TX

3

Dallas

June 27, 1997




Section of law

Applicant or notificant

Acquiree or activity

Simmons First National
Corporation,
Pine Bluff, AR

First Bank of Arkansas,
Russellville, AR, and
First Bank of Arkansas,
Searcy, AR

3

St. Louis

June 27,1997

State Bank of Hawley
Employee Stock
Ownership Plan and
Trust,
Hawley, MN

Bankshares of Hawley, Inc.,
Hawley, MN, and
State Bank of Hawley,
Hawley, MN

3

Minneapolis

June 27,1997

Sullivan, John C.,
Livingston, MT, and
Hornby, Mary C.,
Las Cruces, NM

Northeastern Wyoming
Bank Corporation,
Newcastle, WY, and
First State Bank of
Newcastle,
Newcastle, WY

CIBC

Kansas City

June 17,1997




Section of law

Reserve Bank

End of comment period

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

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




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




H .2 A

Notice of Formations and Mergers of, and Acquisitions by, Bank Holding
Companies; Change in Bank Control
Notices Filed as of May 23,1997
The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act of
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j)), Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board of Governors, no
later than the end of the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end of this release.
The public portions of the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;
addresses are listed at the end of this release. Applications and notices also may be obtained from the
Board.
Applicant or notificant

Acquiree or activity

1st United Bancorp,
Boca Raton, FL

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

4

Atlanta

June 12,1997

Allegiant Bancorp, Inc.,
Clayton, MO

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

4

St. Louis

June 9, 1997

AMCORE Financial,
Inc.,
Rockford, IL

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

3

Chicago

April 22, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Arrendale, Thomas A.,
Ill, Gainesville, GA,
Bussey, Cynthia A.,
Atlanta, GA, and
Arrendale, Nelle,
Clarkesville, GA, as
partners in the
Arrendale Undiversified
Family Limited
Partnership,
Baldwin, GA

Habersham Bancorp,
Cornelia, GA, and
Habersham Bank,
Clarkesville, GA

CIBC

Atlanta

June 5,1997

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

BBV Latlnvest Securities
Inc.,
New York, NY,
securities activities (b)(1),
(bX4),(b)(15), and(bX16)

4

New York

March 4,1997

Bancorp Hawaii, Inc.,
Honolulu, HI

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

3

San Francisco

May 5, 1997

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

The Bank of New Glarus,
New Glarus, WI

3

Chicago

June 6,1997

Bank of Idaho Holding
Company,
Idaho Falls, ID

Bank of Eastern Idaho,
Idaho Falls, IA

3

San Francisco

June 9, 1997

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

State Street Boston
Corporation,
Boston, MA;
State Street Bank and Trust
Company,
Boston, MA,
trust, securities and data
processing activities (bX3),
(bX4),and(bX7)

3 and 4

New York

March 14, 1997

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

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

3

New York

April 21, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

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

3

New York

April 21, 1997

Bay Bankcorp, Inc.,
Gladstone, MI

Baybank,
Gladstone, MI

3

Minneapolis

April 28, 1997

Bedford Bancshares,
Bedford, TX, and
Bedford Delaware
Bancshares, Inc.,
Dover, DE

Western American National
Bank,
Bedford, TX

3

Dallas

June 23, 1997

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

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

CIBC

Kansas City

May 30, 1996

Binger Agency, Inc.,
Binger, OK

Midstate Bancorp, Inc.,
Hinton, OK, and
Legacy Bank TC,
Blanchard, OK, and
Legacy Bank,
Hinton, OK

3

Kansas City

June 20, 1997

BNB Bancorp, Inc.,
Brookville, OH

Brookville National Bank,
Brookville, OH

3

Cleveland

April 28,1997

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

Bonham State Bank,
Bonham, TX

3

Dallas

April 25, 1997

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

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

3

Dallas

April 25,1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Briscoe, Dolph, Jr.,
Uvalde, TX

Zavala Bankshares, Inc.,
Crystal City, TX

CIBC

Dallas

April 16,1997

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

Citizens State Bank,
Buffalo, TX

3

Dallas

May 8, 1997

Caisse Nationale de
Credit Agricole and
Credit
Agricole Indosuez
(formerly Banque
Indosuez), both of Paris,
France

Indosuez Carr Futures, Inc.,
Chicago, IL, purchasing the
institutional futures
business of Dean Witter
Reynolds, Inc., & its
London, England, based
affiliate, Dean Witter
Reynolds, Intemat'l.,Ltd.,
financial & investment
advise (b)(6) and (7)

4

Chicago

June 13, 1997

California Community
LLC,
Los Angeles, CA

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

3

San Francisco

April 11, 1997

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

Valley First Community
Bank,
Scottsdale, AZ

3

Chicago

May 27,1997

Carson, Frank L., Ill,
Mulvane, KS

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

CIBC

Kansas City

April 23, 1997

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

Rancho Santa Fe National
Bank,
Rancho Santa Fe, CA

3

San Francisco

April 25, 1997

CB Bancorp, Inc.,
Higginsport, OH

The Citizens Bank,
Higginsport, OH

3

Cleveland

March 24, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

CCB Financial
Corporation,
Durham, NC

American Federal Banks,
F.S.B.,
Greenville, SC, mortgage
lending; acting as agent in
the sale of certain credit
related insurace; savings
association; and brokerage
services (bXlX»0, (8X0.
(9), and (15)

4

Richmond

May 16,1997

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

Century Savings Bank,
Bridgeton, NJ

3

Philadelphia

May 1,1997

CH and JD Byrum, LLC,
Indianapolis, IN

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

3

Chicago

April 14,1997

Citizens Bancorp,
Corvallis, OR

Citizens Bank,
Corvallis, OR

3

San Francisco

April 7,1997

Citizens Banking
Corporation,
Flint, MI

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

3

Chicago

May 8,1997

Comerzbank AG,
Frankfurt am Main,
Germany

CAM Acquisition, LLC,
Wilmington, DE
Montgomery Asset
Mangement, L.P.,
Montgomery Services,
LLC,
all of San Francisco, CA,
securities activities (bX7X0
and (iii); financial &
Investment advisoiy
services (bX6);
administrative services

4

New York

May 14,1997

Commercial Guaranty
Bancshares, Inc.,
Shawnee Mission, KS

CGB Capital Corporation,
Shawnee Mission, KS,
private placement of
securities (bX7Xiii)

4

Kansas City

June 3,1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Commerzbank
Aktiengesellschaft,
Frankfurt Main,
Germany

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

4

New York

May 23,1997

Community Bankshares
Incorporated,
Petersburg, VA

County Bank of
Chesterfield,
Midlothian, VA

3

Richmond

June 2,1997

Community Capital
Corporation,
Greenwood, SC

The Bank of Newberry
County,
Newberry, SC

3

Richmond

May 29,1997

Community Financial
Corp.,
Edgewood, IA

Community Savings Bank,
Robbins, IA

3

Chicago

May 16, 1997

Concord EFS, Inc.,
Memphis, TN

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

4

St. Louis

May 13,1997

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

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

CIBC

Chicago

May 16, 1997

Corley, John William,
(2)
Monticelli, IL

and First State Bank of
Atwood,
Atwood, IL

CIBC

Chicago

May 16, 1997

Covenant Bancorp, Inc.,
Haddonfield, NJ

Covenant Bank,
Haddonfield, NJ

3

Philadelphia

April 22, 1997

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

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

CIBC

Dallas

April 30, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

TradeWeb, L.L.C.,
data processing (bX7)

4

New York

April 16, 1997

CreditanstaltBankverein,
Vienna, Austria

community investments
(b)(6)

4

New York

February 24,1997

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

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

CIBC

Kansas City

April 30,1997

Crites, John William,
Petersburg, WV

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

CIBC

Richmond

June 3,1997

Cumberland Bancorp,
Inc.,
Carthage, TN

The Bank of Mason,
Mason, TN

3

Atlanta

April 4, 1997

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

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

3

San Francisco

April 25, 1997

Deer, Charlie,
Monroeville, AL

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

CIBC

Atlanta

May 27, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Deutsche Bank, AG
(Main)
Federal Republic of
Germany

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

4

New York

May 12, 1997

DUNN Investment Co.,
Eagle Grove, IA

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

3

Chicago

May 16,1997

Eagle Investment
Company, Inc.,
Glenwood, MN

Eagle Bank,
Glenwood, MN

3

Minneapolis

June 13, 1997

Eden Financial
Corporation,
San Angelo, TX

The First State Bank of
Rankin,
Rankin, TX

3

Dallas

March 24, 1997

Exchange Bankshares
Corporation of Kansas,
Atchison, KS

The Farmers and Merchants
State Bank,
Effingham, KS

3

Kansas City

May 2, 1997

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

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

3

Chicago

May 12,1997

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

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

3

Chicago

May 12, 1997

F.N.B. Corporation,
Hermitage, PA

Sun Bancorp, Inc.,
Selinsgrove, PA;
Sun Bank,
Selinsgrove, PA;
Pennsylvania Sun Life
Insurance Company,
Phoenix, AR, insurance
(b)(8)(i)

3 and 4

Cleveland

April 10, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

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

3

Dallas

June 12,1997

Farmers State Bank of
Fort Morgan, ESOP,
Fort Morgan, CO

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

3

Kansas City

June 2,1997

Farmers State Holding
Company,
Marion, SD

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

3

Minneapolis

May 30, 1997

FBA Bancorp, Inc.,
Chicago, IL

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

3

Chicago

June 12,1997

Fifth Third Bancorp,
Cincinnati, OH

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

4

Cleveland

May 27,1997

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

State Bank of Dennison,
Dennison, MN

3

Minneapolis

June 6, 1997

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

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

3 and 4

Minneapolis

May 16, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

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

3 and 4

Minneapolis

May 16,1997

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

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

3 and 4

Minneapolis

May 16, 1997

First Bank System, Inc.
(4),
Minneapolis, MN
CONTINUED

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

3 and 4

Minneapolis

May 16, 1997

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

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

3 and 4

Minneapolis

May 16, 1997

First Citizens Bancorp,
Cleveland, TN

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

4

Atlanta

April 25, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

First Citizens
BancShares, Inc.,
Raleigh, NC

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

3

Richmond

June 13,1997

First Coastal Bancshares,
El Segundo, CA

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

3

San Francisco

April 11,1997

First Commerical
Corporation,
Little Rock, AR

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

3

St. Louis

April 22, 1997

First Financial Bancorp,
Hamilton, OH

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

3

Cleveland

April 14, 1997

First National
Community Bancorp,
Inc.,
Dunmore, PA

First National Community
Bank,
Dunmore, PA

3

Philadelphia

May 10, 1997

First Security
Borporation,
Salt Lake City, UT

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

3

San Francisco

May 27, 1997

First Security
Corporation Employee
Stock Ownership Plan,
Norcross, GA

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

3

Atlanta

May 12, 1997

First State Bancshares of
Blakely, Inc.,
Blakely, GA

First State Bank of
Donalsonville,
Donalsonville, GA

3

Atlanta

June 20, 1997

Firstbank Corporation,
Alma, MI

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

3

Chicago

June 9, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

FirstFederal Financial
Services, Corp.,
Wooster, OH

Summit Bancorp, Inc.,
Akron, OH;
Summit Bank,
Arkron, OH;
Summit Banc Investment
Corporation,
Akron, OH, investment
advisory & securities
brokerage (b)(6) and (7)

3 and 4

Cleveland

May 12, 1997

FirstFederal Financial
Services, Corp.,
Wooster, OH

FirstFederal Bank, N.A.,
Wooster, OH;
Mobile Consultants, Inc.,
Wooster, OH, lending
(b)(1) & (b)(2)

3 and 4

Cleveland

May 12,1997

Florida Bancshares, Inc.,
Dade City, FL

First National Bank of
Pasco,
Dade City, FL

3

Atlanta

April 21, 1997

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

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

CIBC

Kansas City

May 1, 1997

Fulton Financial
Corporation,
Lancaster, PA

The Peoples Bank of
Elkton,
Elkton, MD

3

Philadelphia

June 23, 1997

GBC Bancorp, Inc.,
Lawrenceville, GA

Gwinnett Banking
Company,
Lawrenceville, GA
(in organization)

3

Atlanta

April 10, 1997

Gideon Bancshares
Company,
Dexter, MO

First Midwest Bank of
Chaffee,
Chaffee, MO

3

St. Louis

June 20, 1997

Giltner Investment
Partnership, Ltd.,
Omaha, NE

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

3

Kansas City

May 5, 1997

Gold Banc Corporation,
Inc.,
Prairie Village, KS

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

3

Kansas City

June 13, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Greer, Elmo,
East Bemstadt, KY

Cumberland Valley
Financial Company,
London, KY

CIBC

Cleveland

May 23,1997

Guaranty Bancshares
Corporation,
Kansas City, KS

Bank of Coffey,
Coffey, MO

3

Kansas City

June 4, 1997

Harris Financial MHC,
Harrisburg, PA

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

3

Philadelphia

March 27, 1997

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

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

CIBC

Kansas City

March 14, 1997

Hohl Financial, Inc.,
Wahoo, NE

Wahoo State Bank,
Wahoo, Nebraska

3

Kansas City

May 16, 1997

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

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

CIBC

Atlanta

June 2, 1997

Imperial Bancorp,
Inglewood, CA

Imperial Bank Arizona,
Phoenix, AZ

3

San Francisco

May 1, 1997

Industrial Bank of
Japan, Ltd.,
Tokyo, Japan

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

4

New York

May 12, 1997

Intra Financial
Corporation,
Clyde, KS

Peoples Bancorp of
Belleville, Inc.,
Belleville, KS, and
Peoples Bank of Belleville,
Belleville, KS

3

Kansas City

June 20, 1997

InvestorsBancorp, Inc.,
Pewaukee, WI

InvestorsBank,
Pewaukee, WI

3

Chicago

May 30, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

John Porter Pennington,
El Paso, TX

Ruidoso Bank Corporation,
Ruidoso, NM, and
Ruidoso State Bank,
Ruidoso, NM

CIBC

Dallas

June 11, 1997

Kale, Denis L. and
Sandra,
Osceola, IA

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

CIBC

Chicago

April 16, 1997

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

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

CIBC

San Francisco

May 5, 1997

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

Kentucky Home Bank,
Bardstown, KY

3

San Francisco

April 17, 1997

Korea Long Term
Credit Bank,
Seoul, Korea

Nara Bank, National
Association,
Los Angeles, CA

3

New York

May 1, 1997

Kremlin Bancshares,
Inc.,
Kremlin, OK

Bank of Kremlin,
Kremlin, OK

3

Kansas City

April 11, 1997

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

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

CIBC

Dallas

May 2, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

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

CIBC

Dallas

May 2, 1997

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

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

CIBC

Dallas

May 2, 1997

Lashute, Ronald J.,
Opelousas, LA

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

CIBC

Atlanta

May 23, 1997

Lauritzen Corporation
0 ),
Omaha, NE
CONTINUED

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

3

Kansas City

June 2, 1997

Lauritzen Corporation
(2),
Omaha, NE
CONTINUED

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

3

Kansas City

June 2, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

IAI Holdings Inc.,
Investment Advisers, Inc.,
Minneapolis, MN, trust
services (b)(3); investment
advisory services (bX4);
full-service brokerage
(b)( 15); foreign exchange
execution & advisory
services, and other advisory
& administrative services

4

New York

March 26, 1997

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

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

CIBC

St. Louis

April 30, 1997

Mansfield Bancshares,
Inc.,
Mansfield, LA

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

3

Dallas

June 12, 1997

Marshall & Ilsey
Corporation,
Milwaukee, WI

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

3

Chicago

May 5, 1997

MASSBANK Corp.,
Reading, MA

Glendale Co-operative
Bank Bank,
Everett, MA

3

Boston

May 23, 1997

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

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

CIBC

Atlanta

June 2, 1997

MAXLOU Bancshares,
Inc.,
Tahlequah, OK

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

3 and 4

Kansas City

April 11, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

McConnell, Richard J . ,
Franklin, IN

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

CIBC

St. Louis

March 21,1997

Meade Bancorp, Inc.,
Brandenburg, KY

Bedford Loan & Deposit
Bancorp, Inc.,
Bedford, KY, and
Bedford Loan & Deposit
Bank,
Bedford, KY

3

St. Louis

June 20, 1997

Mellon Bank
Corporation,
Pittsburgh, PA

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

3

Cleveland

May 30, 1997

Mellon Bank
Corporation,
Pittsburgh, OH

Buck Consultants, Inc.,
New York, NY,
employee benefits
consulting (b)(9)(ii)

4

Cleveland

May 27,1997

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

Roosevelt Financial Group,
Inc.,
Chesterfield, MO;
Missouri State Bank &
Trust Company,
St. Louis, MO;
Roosevelt Bank,
Chesterfield, MI, savings
association (b)(9)

3 and 4

St. Louis

April 4, 1997

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

Roosevelt Bank,
Chesterfield, MI;
Roosevelt Mortgage
Company,
Kansas City, MI, operation
of a federal savings bank
(b)(9) and mortgage
banking activities (b)(1)

4

St. Louis

May 8, 1997

Midstate Bancorp, Inc.,
Hinton, OK

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

3

Kansas City

May 8, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Midwest
Bancorporation, Inc.;
Midwest Bancshares,
Inc., and Affiliated
Employee
Stock Ownership Plan,
all of Poplar Bluff, MO

Midwest Bancshares, Inc.,
Poplar Bluff, MO, and
First Midwest Bank of
Dexter, Dexter, MO; First
Midwest Bank of Piedmont,
Piedmont, MO; and Carter
County State Bank, Van
Buren, MO

3

St. Louis

June 16, 1997

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

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

CIBC

Atlanta

April 28, 1997

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

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

CIBC

Kansas City

April 7, 1997

National Canton
Bancshares, Inc.,
Canton, IL

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

3

Chicago

April 18, 1997

National City
Bancshares, Inc.,
Evansville, IN

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

3

St. Louis

June 6, 1997

NEB Corporation,
Fond du Lac, WI

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

3

Chicago

May 5, 1997

Neighborhood Bancorp,
San Diego, CA
CONTINUED

extending loand and credit
activities (b)(1) & (2) , and
consumer financial
counseling (b)(6)

3 and 4

San Francisco

June 23, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Neighborhood Bancorp,
San Diego, CA
CONTINUED

Section of law

Reserve Bank

Neighborhood Naf 1Bank,
San Diego, CA; &
Neighborhood Capital
Advisors, San Diego, CA,
community development
(bX12); financial &
investment advisory (bX6);
Neighborhood Housing
Development Corp., San
Diego, CA, community
development (bX12),
CONTINUED

3 and 4

San Francisco

June 23, 1997

Northeast Kansas
Bancshares, Inc.,
Valley Falls, KS

Valley Falls Insurance, Inc.,
Valley Falls, KS,
Kendall State Bank,
Valley Falls, KS, insurance
activities (bX8Xiii)

3 and 4

Kansas City

May 5, 1997

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

Anchor Savings Bank,
F.S.B.,
St. Petersburg, FL, savings
association (bX9)

4

Atlanta

May 8, 1997

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

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

3

Chicago

April 21, 1997

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

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

CIBC

Atlanta

May 30, 1997

PBT Bancshares, Inc.,
McPherson, KS

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

3

Kansas City

June 6,1997




End of comment period

Applicant or notificant

Acquiree or activity

Penns Woods Bancorp,
Inc.,
Williamsport, PA

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

Peoples Bank
Employee Stock
Ownership Trust,
Marion, KY

Reserve Bank

End of comment period

3

Philadelphia

April 25, 1997

Peoples-Marion Bancorp,
Inc.,
Marion, KY

3

St. Louis

June 12,1997

Peoples Financial
Services, Inc.,
Hamtramck, MI

Peoples State Bank,
Hamtramck, MI

3

Chicago

May 23, 1997

Peoples-Marion
Bancorp, Inc.,
Marion, KY

The Peoples Bank,
Marion, KY

3

St. Louis

June 12, 1997

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

Peoples Home Savings
Bank,
Beaver Falls, PA

3

Cleveland

May 1, 1997

Pierce County Bancorp,
Tacoma, WA

Pierce Commercial Bank,
Tacoma, WA

3

San Francisco

April 21, 1997

Pinnacle Bancorp, Inc.,
Central City, NE

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

3

Kansas City

April 25, 1997

Pinnacle Bancshares,
Inc.,
Thomson, GA

McDuffie Bank & Trust,
Thomson, GA

3

Atlanta

May 5, 1997

Plainview Holding
Company,
Pilger, NE

American National
Creighton Co.,
Creighton, NE, and
American National Bank of
Creighton,
Creighton, NE

3

Kansas City

June 23, 1997




Section of law

Applicant or notifteant

Acquiree or activity

PN Holdings, Inc.,
Ann Arbor, MI

Pelican National Bank,
Naples, FL (in
organization);
Washtenaw Mortgage
Company,
Ann Arbor, MI, lending
(b)(1)

3 and 4

Atlanta

April 21, 1997

Powell, Donald Edward,
Amarillo, TX

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

CIBC

Dallas

April 7, 1997

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

Citizens State Bank,
Hempstead, TX

3

Dallas

May 1, 1997

Regions Financial
Corporation,
Birmingham, AL

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

3

Atlanta

May 5, 1997

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

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

CIBC

Kansas City

May 27, 1997

Republic Bancshares,
Inc.,
St. Petersburg, FL

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

4

Atlanta

May 23, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Rossenberg, Clifford R.,
Sunset Beach, CA

Security First Bank,
Fullerton, CA

CIBC

San Francisco

May 27, 1997

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

Bank of Ellendale,
Ellendale, MN

3

Minneapolis

April 28, 1997

Schonath Family
Partnership, LP,
Oconomiwoc, WI

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

3

Chicago

May 30, 1997

Scott, Ben Jay,
Coleman, TX

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

CIBC

Dallas

April 25, 1997

Security Bancshares,
Inc.,
Scott City, KS

Intra Financial Corp., and
Exchange Bank of Clyde,
Clyde, KS; Farmers State
Bancshares
of Sabetha, Inc., Sabetha,
KS; Farmers
State Bank, Sabetha, KS;
Peoples Bancorp of
Belleville, Inc., and Peoples
Bank of
Belleville, Belleville, KS

3

Kansas City

June 20, 1997

Security State
Corporation,
Centralia, WA

Security State Bank,
Centralia, WA

3

San Francisco

June 9,1997

Shorebank Corporation,
Chicago, IL

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

3

Chicago

May 17, 1997

South Branch Valley
Bancorp, Inc.,
Moorefield, WV

Capital State Bank, Inc.,
Charleston, WV

3

Richmond

May 23, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Southeast Bancorp, Inc.,
Corbin, KY

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

3

Cleveland

April 4, 1997

Southerland Family
Limited Partnership,
Batesville, AR

Citizens Bancshares of
Batesville, Inc.,
Batesville, AR

CIBC

St. Louis

May 15,1997

Southern Security
Financial Corporation,
Hollywood, FL

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

3

Atlanta

April 10, 1997

Spangler, Charles Leon,
Aurora, MO

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

CIBC

St. Louis

May 15,1997

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

Arizona Community Bank
of Scottsdale,
Scottsdale, AZ

3

Minneapolis

June 6, 1997

Summit Bancorp,
Princeton, NJ

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

4

New York

May 23, 1997

3

Philadelphia

May 19,1997

Section of law

Reserve Rank

End of comment period

and(bXllXiiO
Susquehana Bancshares,
Inc.,
Lititz, PA




Founders Bank,
Bryn Mawr, PA

Applicant or notificant

Acquiree or activity

TCF Financial
Corporation,
Minneapolis, MN

Winthrop Resources
Corporation,
Minnetonka, MN, leasing
personal property (bX3)

4

Minneapolis

May 27, 1997

Tehama Bancorp,
Red Bluff, CA

Tehema Bank,
Red Bluff, CA

3

San Francisco

May 12,1997

Tehama Bancorp,
Red Bluff, CA

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

4

San Francisco

May 5,1997

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

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

3

Dallas

March 27, 1997

The Bank of Mulberry
Employee Stock
Ownership
Trust,
Mulberry, AR

ACME Holding
Company, Inc.,
Mulberry, AR, and
The Bank of Mulberry,
Mulberry, AR

3

St. Louis

June 23,1997

Trustcorp Financial, Inc.,
St. Louis, MO

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

3

St. Louis

June 2,1997

Union Illinois 1995
Investment Limited
Partnership,
Swansea, IL

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

3

St. Louis

May 10,1997

Union Illinois Company,
Swansea, IL

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

4

St. Louis

May 19, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

United Bankshares, Inc.,
Charleston, WV

First Patriot Bankshares
Corporation,
Reston, VA, and
Patriot National Bank,
Reston, VA

3

Richmond

June 16,1997

United Community
Banks, Inc.,
Blairsville, GA

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

4

Atlanta

April 25, 1997

United Community
Banks, Inc.,
Blairsville, GA

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

4

Atlanta

March 25, 1997

United Rossevelt MHC,
and United Rossevelt
Bancorp,
both of Carteret, NJ

United Rossevelt
Savings Bank,
Carteret, NJ

3

New York

June 23, 1997

Valcourt, Jeffery T.,
Arlington, VA

United Financial Banking
Companies, Inc.,
Vienna, VA, and
The Business Bank,
Vienna, VA

CIBC

Atlanta

June 5,1997

Vermont Financial
Services Corp.,
Brattleboro, VT

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

4

Boston

April 14,1997

Village Bancshares,
Inc.,
Springfield, MO

Village Bank,
Springfield, MO (a de
novo state charted bank)

3

St. Louis

June 16,1997

West Point Bancorp,
Inc.,
West Point, NE

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

3

Kansas City

April 18, 1997

Whipple Family Limited
Partnership,
Arkadelphia, AR

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

3

St. Louis

May 27, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Young, William
Howerton,
Fredonia, KY

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

CIBC

St. Louis

May 23, 1997

Zions Bancorporation,
Salt Lake City, UT

Tri-State Bank,
Montpelier, ID

3

San Francisco

June 6, 1997




Section of law

Reserve Bank

End of comment period

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

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




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