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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H.2, 1997, No. 22
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending May 31, 1997

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

Bane On* Corporation, Coluabus, Ohio, and Banc Ono
Oklahoma Corporation, Oklahoma City, Oklahoma -requests for reconsideration of the Board's
approval of the applications to acquire shares of
Liberty Bancorp, Inc., Oklahoma City, Oklahoma,
and the banking and nonbanking subsidiaries of
Liberty, including Liberty Bank A Trust Company of
Oklahoma City, N.A., and Liberty Bank & Trust
Company of Tulsa, N.A., Tulsa, Oklahoma.
Denied, May 30, 1997.
Dean Witter, Discover & Co., New York, New York
interpretation concerning grandfather rights in
connection with proposed merger with Morgan Stanley
Group, Inc.
Approved, May 28, 1997.
Greater Delaware Valley Holdings, MHC, Broomall,
Pennsylvania -- waiver of receipt of certain
dividends by Greater Delaware Valley Savings Bank.
Denied, May 27, 1997.
Southern National Corporation, Winston-Salem, North
Carolina - - t o merge with United Carolina
Bancshares Corporation, Whiteville, North Carolina,
and acquire United Carolina Bank, Whiteville, North
Carolina, and United Carolina Bank of South
Carolina, Greer, South Carolina.
Approved, May 27, 1997.
BANK MERGERS
Banco Popular de Puerto Rico, Hato Rey, Puerto Rico
- to merge with Roig Commercial Bank, Humacao,
Puerto Rico, and establish branches.
Approved, May 27, 1997.
Westamerica Bank, San Rafael, California - - t o merge
with Valliwide Bank, Fresno, California, and to
establish branches.
Approved, May 27, 1997.

EW
FORSEHCNT




H.2
MAY 27, 1997
PAGE 2

TO

MAY 30, 1997

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

ENFORCEMENT
Bank af Yokohama, Ltd., Yokohaaa, Japan (Naw York
Branch) -- ordar of assessment of a civil aonay
•onalty against.Toshihiko Araki, an officor and
inatitution-affiliatad party of tho Now York Branch
of Tho Bank of Yokohaaa.
Announced, May 30, 1997.

tNTgRNATlQNAt.QPBMTT9HP
MBNA Aaerica Bank, N.A., Nilaington, Delaware -- to
invest in MBNA International Bank, Ltd., Chester,
England, and to establish a branch of MBNA
International in Dublin, Republic of Ireland.
Approved, May 27, 1997.
REGULATIONS AND POLICIES
Retail Fees and Services of Depository Institutions-annual report to the Congress.
Approved, May 29, 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
Comaunity Affairs; FOMC - Federal Open Market Coaaittee; FRBO - Federal Reserve
Bank Operations; IF - International Finance; OSDM - Office of Staff Director
for Management
CAHK BRANCHES■ DOMESTIC




Atlanta

AaSouth Bank of Tennessee, Chattanooga, Tennessee
to establish a branch at 2017 Mallory Lane,
Franklin, Tennessee.
Approved, May 27, 1997.

Secretary

Bank of Boulder, Boulder, Colorado - - t o establish a
branch at the intersection of McCaslin Boulevard
and Centennial Parkway, Louisville, Colorado.
Approved, May 30, 1997.

H.2
MAY 27, 1997
PAGE 3

TO

MAY 30, 1997

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

lA ffi BAHSHE&J. DOMESTIC

Mew York

Cleveland

PreaierBank f Trust, Elyria, Ohio - - t o establish a
t
branch at Sheffield Crossing, 5231 Detroit Road,
Sheffield Village, Ohio.
Approved, May 29, 1997.

Richmond

M M

Chase Manhattan Bank, New York, New York - - t o
establish a branch at 1755 University Avenue,
Bronx, New York.
Approved, May 30, 1997.

Virginia Coaaerce Bank, Arlington, Virginia - - t o
establish a branch at 5140 Duke Street, Alexandria,
Virginia.
Approved, May 27, 1997.

HPlfPIM? COMPANIES




New York

Cesseerzbank Aktieogesellschaft, Frankfurt Am Main,
Germany -- to engage de novo in financial and
investaent advisory activities through Coaaerce
Futures Corporation, Chicago, Illinois.
Approved, May 30, 1997.

Kansas City

Coaaercial Guaranty Bancshares, Inc., Shawnee
Mission, Kansas -- to engage de novo in acting as
agent for the private placement of securities.
Permitted, May 29, 1997.

Director, BSftR

First Union Capital Markets Corporation, Charlotte,
North Carolina -- to underwrite and deal in equity
securities subject to certain conditions.
Approved, May 28, 1997.

Cleveland

GLB Bancorp, Inc., Mentor, Ohio -- to acquire Great
Lakes Bank.
Approved, May 30, 1997.

San Francisco

Imperial Bancorp, Inglewood, California -- to acquire
Imperial Bank Arizona, Phoenix, Arizona.
Approved, May 29, 1997.

Atlanta

Louisiana Bancshares, Inc., Baton Rouge, Louisiana -to acquire Louisiana Bank and Trust Company.
Approved, May 30, 1997.

H.2
HAY 27, 1997
PAGE <
t

TO

HAY 30, 1997

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

lA ffi iOLPIHg COHPAWIES




Boston

NsMBonk Corp., Reading, Nossoehusotts - - t o acquire
•landalo Co-oaorativo Bank, Evorott, Maaaaehuaotta.
Approved, Hay 29, 1997.

Cleveland

Hid Am, Bowling Green, Ohio -- to acquire WFI
Investments Corp., Bryan, Ohio.
Approved, Nay 28, 1997.

Cleveland

PHS Bancorp, M.H.C., Beaver Falls, Pannsylvania -- to
acquire Paoplas Hoaa Savings Bank.
Approvad, Kay 27, 1997.

Dallas

Praaiar Bancsharas, Inc., La Grange, Taxas, and
Praaiar Holdings Navada, Inc., Carson City,
Navada -- to acquira Citizens Stata Bank,
Haapstaad, Taxas.
Approved, May 27, 1997.

Dallas

Southwast Bancorporation of Taxas, Houston, Taxas
waivar of application to acquira Pinanont Bank,
Houston, Taxas.
Granted, Hay 28, 1997.

New York

S u u i t Bancorp, Princeton, Haw Jarsay - - t o aarge
with Collective Bancorp, Inc., Egg Harbor City, New
Jarsay, and acquira Collective Bank, and engage in
operating a federal savings bank.
Approved, Hay 29, 1997.

Philadslphia

Susquehanna Bancshares, Inc., Lititz, Pannsylvania
to acquira Founders Bank, Bryn Mawr, Pennsylvania.
Approved, Hay 27, 1997.

Minneapolis

TCF Financial Corporation, Hinnaapolis, Minnesota
to engage in leasing personal property through the
acquisition of Winthrop Resources Corporation,
Minnetonka, Minnesota.
Approved, May 30, 1997.

H.2
MAY 27, 1997
PAGE 5

TO

MAY 30, 1997

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

BANK HOLDING COMPANIES
Secretary

Whipple Family Limited Partnership, Arkaedlphia,
Arkansas -- to acquire additional shares of Horizon
Bancorp, Inc.
Approved, Hay 30, 1997.

GC

Winkler Family Holdings, LLP, D'Hanis, Texas -determination that it is a qualified family
partnership under the Bank Holding Company Act.
Granted, May 28, 1997.

SANK WfagjKS
Atlanta

Gulf Bank, Orange Beach, Alabama - - t o acquire
certain assets and assume certain liabilities of
First Bank of Baldwin County, Robertsdale, Alabama.
Approved, May 29, 1997.

New York

Summit Bank, Hackensack, New Jersey - - t o merge with
Collective Bank, Egg Harbor, New Jersey, and
establish branches.
Approved, May 29, 1997.

COMPETITIVE fAUTm




REPORTS

Chicago

Bank Calumet, National Association, Hammond, Indiana,
proposed merger with Bank Calumet, National
Association, Chicago Heights, Illinois -- report on
competitive factors.
Submitted, May 27, 1997.

Richmond

Carolina First Bank, Greenville, South Carolina,
proposed merger with Lowcountry Savings Bank, Inc.,
Mount Pleasant, South Carolina -- report on
competitive factors.
Submitted, May 29, 1997.

San Francisco

Centennial Bank, Olympia, Washington, proposed
acquisition of the assets and assumption of the
liabilities of the Shelton, Washington, branch of
Wells Fargo Bank, N.A., San Francisco, California - report on competitive factors.
Submitted, May 30, 1997.

H •2
MAY 27, 1997
PAGE 6

TO

MAY 30, 1997

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

COMPETITIVE FACTORS BEESBXS




Atlanta

Comaunity Savings Bank, F.A., North Pala Boach,
Florida, proposed acquisition of the assets and
assuaption of the liabilities of Community Interim
Federal Savings Association -- report on
competitive factors.
Submitted, May 27, 1997.

Chicago

Denmark State Bank, Denmark, Wisconsin, proposed
purchase of certain assets and assuaption of
certain liabilities of the Reedsville, Wisconsin,
branch of M&I Bank Northeast, Green Bay, Wisconsin
- ■ report on competitive factors.
*
Submitted, May 27, 1997.

Cleveland

Fifth Third Bank of Western Ohio, Piqua, Ohio,
proposed acquisition of the assets and assumption
of the liabilities of 29 branches of The Fifth
Third Bank, Cincinnati, and establishment of
branches — report on competitive factors.
Submitted, Nay 29, 1997.

St . Louis

First Bank and Trust Company, Jackson, Missouri,
proposed purchase of the assets and assumption of
the liabilities of First National Bank and Trust
Company, Carbondale, Illinois — report on
competitive factors.
Submitted, May 30, 1997.

Secretary

First Security Bank, N.A., Ogden, Utah, proposed
merger with First Security Bank of Oregon, Salem,
Oregon ** report on competitive factors.
Submitted, May 29, 1997.

Richaond

First-Citizens Bank & Trust Company, Raleigh, North
Carolina, proposed merger with Savings Bank of
Rockingham County, Inc., SSB, Reidsville, North
Carolina -- report on competitive factors.
Submitted, May 27, 1997.

H .2
MAY 27, 1997
PAGE 7

TO

MAY 30, 1997

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

COMPETITIVE FACTORS REPORTS




Richmond

Luabee Guaranty Bank, Pembroke, North Carolina,
proposed purchase of certain assets and assumption
of certain liabilities of the Fairmont, North
Carolina, branch of Progressive Savings and Loan,
Ltd., Lumberton, North Carolina -- report on
competitive factors.
Submitted, May 29, 1997.

S t . Louis

Magna Bank, N.A., Waterloo, Iowa, proposed merger
with Magna Bank, Monticello, Magna Bank, Indianola,
Magna Bank, Oelwein, Magna Interim Bank-Cedar
Rapids, N.A., Cedar Rapids, Magna Interim BankDecorah, N.A., Decorah, Magna Interim Bank-Des
Moines, N.A., Des Moines, Magna Interim Bank-Iowa
City, N.A., Iowa City, Magna Interim Bank-Vinton,
N.A., Vinton, and Magna Interim Bank-Waterloo,
N.A., Waterloo, Iowa -- report on competitive
factors.
Submitted, May 30, 1997.

St. Louis

Magna Bank, -- National Association, Brentwood,
Missouri, proposed merger with Magna Bank, N.A.,
Waterloo, Iowa -- report on competitive factors.
Submitted, May 30, 1997.

S t . Louis

Magna Interim Bank-Cedar Rapids, N.A., Cedar Rapids,
Iowa, proposed purchase of certain assets and
assumption of certain liabilities of the Cedar
Rapids branch of Magna Bank, FSB, Des Moines,
Iowa -- report on competitive factors.
Submitted, May 30, 1997.

S t . Louis

Magna Interim Bank-Decorah, N.A., Decorah, Iowa,
proposed purchase of certain assets and assumption
of certain liabilities of the Decorah branch of
Magna Bank, FSB, Des Moines, Iowa -- report on
competitive factors.
Submitted, May 30, 1997.

St. Louis

Magna Interim Bank-Des Moines, N.A., Des Moines,
Iowa, proposed merger with Magna Bank, FSB, Des
Moines, Iowa -- report on competitive factors.
Submitted, May 30, 1997.

H.2
MAY 27, 1997
PAGE 8

TO

MAY 30, 1997

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

COMPETITIVE FACTORS REPORTS




St . Louis

Magna Interia Bank-Vinton, N.A., Vinton, Iona,
proposed purchase of certain assets and assuaption
of certain liabilities of the Vinton branch of
Magna Bank, FSB, Des Moines, Iowa -- report on
coapetitive factors.
Subaitted, May 30, 1997.

St. Louis

Magna Interia Bank-Waterloo, N.A. Waterloo, Iowa,
proposed purchase of certain assets and assuaption
of certain liabilities of the Hoae Plaza and
downtown Waterloo branch of Magna Bank, FSB, Des
Moines, Iowa -- report on coapetitive factors.
Subaitted, May 30, 1997.

St. Louis

Mercantile Bank National Association, Hartford,
Illinois, proposed purchase of the assets and
assuaption of the liabilities of four Illinois
branches of Roosevelt Bank, Chesterfield,
Missouri -- report on coapetitive factors.
Subaitted, May 29, 1997.

Kansas City

Mercantile Bank of Plattsburgh, Plattsburgh,
Missouri, proposed aerger with Roosevelt Bank, FSB,
Chesterfield, Missouri -- report on coapetitive
factors.
Subaitted, May 29, 1997.

Kansas City

New McCurtain County National Bank, Broken Bow,
Oklahoaa, proposed aerger with McCurtain County
National Bank, Idabel, Oklahoaa — report on
coapetitive factors.
Subaitted, May 29, 1997.

Dallas

Norwest Bank Texas, South Central, Victoria, Texas,
proposed aerger with West Coluabia National Bank,
West Coluabia, Texas -- report on coapetitive
factors.
Subaitted, May 29, 1997.

S t . Louis

Seligaan Bancshares, Inc., Seligaan, Missouri -change in bank control.
Peraitted, May 30, 1997.

MAY 27, 1997
PAGE 9

TO

MAY 30, 1997

ACTIONS TAKEN NT THE STAFF AND THE FEDERAL RESERVE RANKS
UNDER DELEGATED AUTHORITY

BWPITUXTE UBUM UEfiBXfi
Secretary

SouthTrust Bank of Alabama, N.A., Birmingham,
Alabama, proposed aorgor with SouthTrust Bank of
North Carolina, Charlotte, North Carolina;
SouthTrust Bank of Northwest Florida, Marianna,
Florida; SouthTrust Bank of Russell County, Phenix
City, Alabama; SouthTrust Bank of Columbus, N.A.,
Columbus, Georgia; SouthTrust Bank of Florida,
N.A., St. Petersburg, Florida; SouthTrust Bank of
South Mississippi, Biloxi, Mississippi; SouthTrust
Bank of Tennessee, N.A., Nashville, Tennessee; and
SouthTrust Bank of South Carolina, N.A.,
Charleston, South Carolina -- report on competitive
factors.
Submitted, May 28, 1997.

Kansas City

Southwest Kansas National Bank, Ulysses, Kansas,
proposed merger with Southwestern Savings & Loan
Association of Hugoton, Hugoton, Kansas -- report
on competitive factors.
Submitted, May 28, 1997.

Secretary
United States National Bank of Oregon, Portland,
Oregon, proposed merger with U.S. Bank of Idaho,
I*"* of M«vada, Reno, Nevada;
u -s of Utah, Salt Lake City, Utah; U.S. Bank
ef California, Sacramento, California; and U.S.
Bank of Washington, N.A., Seattle, Waehington -report on competitive factors.
Submitted, May 29, 1997.
EXTENSIONS S I




XXH
E

New York

Bank Austria AG, Vienna, Austria -- extension to
April 30, 1998, to engage de novo in certain
lending activities through Bank Mortgage Corp., New
York, New York.
Granted, Hay 27, 1997.

Boston

Campello Bancorp, Brockton, Massachusetts
extension to engage in loan servicing activities.
Granted, May 28, 1997.

H.2
MAY 27, 1997
PAGE 10

TO

MAY 30, 1997

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

KT6MH9MS fi£ ZXflE
Minneapolis

Flint Vallay Bank, Philips burg, Montana -- extension
to October 1, 1997, to establish a branch in
Drunnond, Montana.

Granted, May 30, 1997.
INTERNATIONAL OPERATIONS
Philadelphia

MBNA Aaerica Bank, N.A., Nilaington, Delaware -- to
establish a branch of MBNA International Bank
Liaited, Chester, England, in Dublin, Republic of
Ireland.
Approved, May 27, 1997.

Philadelphia

MBNA America Bank, N.A., Newark, Delaware -- to aake
an investment in MBNA International Bank Liaited,
Chester, England.
Approved, May 27, 1997.

Minneapolis

Minnesota BANKFIRST, Minneapolis, Minnesota - - t o
becoae a aeaber of the Federal Reserve System.
Approved, May 27, 1997.

MEMBERSHIP




H.2
MAY 27, 1997
PAGE 11

ADDITIONS AND CORRECTIONS
TO

MAY 30, 1997

ACTIONS TAKEN BY THE BOARD OP OOfERNORS




Commercial Bank Raport of Consumer Credit (FR 2571);
Report on Passenger Auto Contract Collection Trends
(FR 2012); Quarterly Report of Interest Rates on
Selected Director Consumer Installment Loans
(FR 2835); Quarterly Gasoline Company Report
(FR 2580); Automobile Finance Terms (FR 2005);
Report of Terms of Credit Card Plans (FR 2572); and
the Monthly Survey of Industrial Electricity Use
(FR 2009b) -- extension, with revision; and
Quarterly Report of Credit Card Plans (FR 2835a) -extension, without revision.
Proposed, May 13, 1997.
Report of Commercial Paper Outstanding Placed by
Brokers and Dealers (FR 2957a) and the Report of
Commercial Paper Outstanding Placed Directly by
Issuers (FR 2957b); and Daily Report of Offering
Rates on Commercial Paper (FR 2957d) - - t o
discontinue.
Proposed, May 13, 1997.
Report of Transaction Accounts, Other Deposits and
Vault Cash (FR 2900); Report of Certain
Eurocurrency Transactions (FR 2950/2951) -extension with revision; Quarterly Report of
Selected Total Deposits and Reservable Liabilities
(FR 2910q); Annual Report of Total Deposits and
Reservable Liabilities (FR 2910a); Allocation of
Low Reserve Tranche and Reservable Liabilities
exemption (FR 2930/2930a); Daily Advance Report of
Deposits (FR 2000); and Weekly Advance Report of
Deposits (FR 2001) -- extension, without revision.
Proposed, May 13, 1997.
Uniform Application for Municipal Securities
Principal or Municipal Securities Representative
Associated with a Bank Municipal Securities Dealer;
and Uniform Termination Notice for Municipal
Securities Principal or Municipal Securities
Representative Associated with a Bank Municipal
Securities Dealer (FR MSD-4 and FR MSD-5) -extension, with revision.
Proposed, May 13, 1997.

H.2
MAY 27, 1997
PAGE 12

ADDITIONS AND CORRECTIONS
TO

MAY 30, 1997

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

*AMK HOLDING COMPANIES
San Francisco

California Coaaunity LLC, Los Angolas, California;
First Coastal Bancshares and First Coastal Bank,
N.A., both of El Sagundo, California -- waiver of
application to acquire Marina Bank, Marina Del Rey,
California.
Granted, May 23, 1997.

Philadelphia

First National Coaaunity Bancorp, Inc., Dunaore,
Pennsylvania - - t o acquire First National Coaaunity
Bank.
Approved, May 23, 1997.

COMPETITIVE FACTORS EBSfiXS




Atlanta

Pioneer Bank, Chattanooga, Tennessee (a de novo
savings association), proposed acquisition of the
assets and assumption of the liabilities of a
c o m m o n l y owned c o m s w r c i a l bank also n a m e d P i o n e e r
Bank -- report on competitive factors.
Submitted, May 7, 1997.

FEDERAL RESERVE BANK OF BOSTON A PPL IC A TIO N S

SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY
Comment Period Ending Date

Application

NONE

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
Comment Period Ending Date
NONE

Application

SECTION III - APPLICATIONS SUBJECT TO
FEDERAL RESISTER NOTICE QNLY
Comment Period Ending Date

Application

NONE

SECTION IV - APPLICATIONS NOT SUBJECT TO
FEDERAL REGISTER OR NEWSPAPER NOTICE
Application
NONE
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Institution

Examination .
Date
.

Rating**

NONE
SECTION VI - 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 Pate

SECTION I
Applications Subject to Newspaper
_____ Notice Only
None.
SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
Application by MSB Holding Company, a proposed New Jersey
mutual holding company, and its subsidiary, MSB Financial Inc.,
a proposed New Jersey stock holding company, both of Wall Township,
New Jersey, to acquire 100 percent of the shares of common stock
of Manasquan Savings Bank, Wall Township, New Jersey, a New Jersey
stock savings bank and the proposed successor to Manasquan Savings
Bank, a New Jersey mutual savings b an k .!/

SECTION HI
Nonbanking Applications
(subject to Federal Register Notice Only I
None.
SECTION IV
Applications Not Involving
___Public Comment___
None.

SECTM
BLY
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.




NA

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 Mav 31.1997
NAME OF BANK

RATING

None.

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




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 H - 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, MD., pursuant to Section 3(a)(3) of the Banking Holding Company Act.
Newspaper comment period expires:
Federal Register comment period expires:

06/23/97
N/Avail

*The state for Peoples Bank of Elkton was noted incorrectly on last weeks report. The correct state
should have been Maryland.
SECTION m - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL
REGISTER NOTICE ONLY
NONE
SECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL
REGISTER NOTICE OR NEWSPAPER
Penncore Financial Services Corporation. Newtown, PA for a Determination of Application
Requirement related to its acquisition of ML Bancorp, Inc., and, indirectly, its wholly-owned
subsidiary, Main Line Bank, both of Villanova, PA, pursuant to Section 3 of the Bank Holding
Company Act.




FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION V - AVAII.ABILITY 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 30, 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

Farmers Trust
817 Cumberland Street
Lebanon, PA 17042

01/13/97

Satisfactory




APPLICATIONS BULLETIN
(For the week ending May 31,1997)

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
Notice by Andover Bank, Andover, OH received on May 27, 1997,
to establish a branch at the intersection of Sandusky Street and
State Street, Conneaut, OH.

*June 21, 1997

SECTION n - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL
REGISTER NOTICE
NONE
SECTION HI - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
Notice by Huntington Bancshares, Columbus, OH received on
May 27, 1997, to engage through its subsidiary, Huntington Capital
Corp., Columbus, OH in underwriting and dealing to a limited
extent in all types of debt securities.

*June 17, 1997

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
Notice by National City Corp, Cleveland, OH received on May 27, 1997, to acquire certain
assets of InTra Con, Inc., Burton, MI through its subsidiary National Processing, Inc.,
Louisville, KY.
Notice by National City Corp, Cleveland, OH received on May 27, 1997, to acquire MRS
Jamaica, Inc., Houston, TX through its subsidiary National Processing, Inc., Louisville, KY.

* - 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 30, 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 dining the week ended May 30, 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.
The Savings Bank and Trust Company
101 West Market
Orrville, OH 44667
Rating: Satisfactory
Exam. Date: 3-17-97
Disclosure Date: 5-27-97
RSSD#627023
The Farmers Bank and Savings Company
211 West Second Street
P.O. Box 626
Pomeroy, OH 45769
Rating: Outstanding
Exam Date: 3-17-97
Disclosure Date: 5-29-97
RSSD058225
Heartland Bank
939 E. Johnston Road
Gahanna, OH 43230
Rating: Satisfactory
Exam Date: 1-21-97
Disclosure Date: 5-29-97
RSSD#853112



Federal Reserve Bank of Richmond

gQPtion i

Subject ,t9-.Ns.wgpaj^c

Notice Only
Application

Comment Period. Ending,Date

Triangle Bank, Raleigh, North
Carolina, to acquire eight branches
of United Carolina Bank, Whiteville,
North Carolina, and two branches of
Branch Banking and Trust Company,
Winston-Salem, North Carolina.*

6-26-97

First Virginia Bank of Tidewater,
Norfolk, Virginia, to establish a
branch inside the Wal-Mart SuperCenter at 1200 North Main Street,
Suffolk, Virginia.*

6-26-97

gectipn II - Applications.^
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

None.

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

None.

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

Application
Abbeville Capital Corporation,
Abbeville, South Carolina, to
become a bank holding company
through the acquisition of 100%
of the voting shares of The Bank
of Abbeville, Abbeville, South
Carolina.
♦Application is subject to CRA requirements.



Federal Reserve Bank of Richmond

Section V - Availability of CRA Public Evaluations
Week ending May 30, 1997

Psfinifclan Qf 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 cjroup 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
None.




Name of Bank

Examination
Date

Rating

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending Mav 30.1997
Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

None.
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

First Citizens Bancorp, Inc.
06-05-97*
Monroeville, Alabama
Newspaper
Change in control notice by Mr. Charlie Deer to acquire an additional 14.77 percent of the
outstanding shares of First Citizens Bancorp, Inc., Monroeville, Alabama. The acquisition will
increase Mr. Deer’s total ownership to 24.75 percent.
ECSB Holding Company, Inc.
Not yet available*
Fort Walton Beach, Florida
To merge with American National Financial Corporation, Panama City, Florida, and thereby directly
acquire First National Northwest Florida, Panama City, Florida, pursuant to Section 3(a)(5) of the
Bank Holding Company Act.
Jamestown Union Bancshares, Inc.
Not yet available*
Jamestown, Tennessee
Change in control by Mr. Willard M. Johnson, as managing general partner of the WMJ/RMJ Family
Limited Partnership II, Houston, Texas (Partnership), to transfer 17,7 percent of the shares of
Jamestown Union Bancshares, Inc., Jamestown, Tennessee, currently owned directly by him, to
Partnership, pursuant to the Change in Bank Control Act of 1978.
First State Bancshares of Blakely, Inc.
06-29-97*
Blakely, Georgia
Newspaper
To convert its wholly-owned thrift subsidiary, First Federal Savings Bank of Southwest Georgia,
Donalsonville, 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
None.

*Subject to the provisions of the Community Reinvestment Act.



Comment Period Ending Date




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending Mav 30.1997

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

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending Mav 30.1997

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-incomeneighborhoods,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
substantial ly 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.




CRA Rating

Examination Date

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending Mav 30.1997

Recently Approved Applications

Approval Date

Gulf Bank
05-29-97
Orange Beach, Alabama
To acquire certain assets and assume certain liabilities of its affiliate bank, First Bank of Baldwin
County, Robertsdale, Alabama, pursuant to Section 18(c) of the Federal Deposit Insurance Act.
Louisiana Bancshares, Inc.
05-30-97
Baton Rouge, Louisiana
Notice for 1-BHC formation, Louisiana Bank and Trust Company, Baton Rouge, Louisiana.
AmSouth Bank of Tennessee
Chattanooga, Tennessee
To establish a branch located at 2017 Mallory Lane, Franklin, Tennessee.




05-27-97

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

Comment Period

Ending Pate

lype

Application

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

NP _ **

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

NP - **

Merger & Branch

Np - **
M&I Bank of Eagle River
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

Branch

1st Source Bank
South Bend, Indiana
801 West Wayne Avenue
Middlebury, Indiana

NP - 6-23-97

Branch

Prairie Bank & Trust Company
Bridgeview, Illinois
Caton Farm Road and Route 59
Joliet, Illinois

NP - 6-20-97




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

Comment Period
Ending Date

lype

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

NP - **

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

Np _ **

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

NP _ **




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 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

N P - **

Merger & Branch

M&I First American Bank
NP-**
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

Branch

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




NP - 6-14-97

Federal Reserve Bank of Chicago
Section 1 - 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 - **

Merger & Branch

Quad City Bank & Trust Company
Bettendorf, Iowa
Quad City Bank & Trust Company-Illinois (in organization)
Moline, Illinois
and to establish a branch at
3551 Seventh Street
Moline, Illinois

NP - 4-30-97

Branch

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

NP - 5-31-97

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
Application

Ending Date

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)(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

CoC-HC

First State Bancorp of Monticello, Inc.
Monticello, Illinois
by John W. Corley

FR - 5-16-97
NP - 6-03-97




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

Ip
xe

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

FR - 6-26-97
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

3(a)(1)

Covest Bancshares, Inc.*
Des Plaines, Illinois
Covest Bank, N. A.
(formerly First Federal Bank of Des Plaines)
Des Plaines, Illinois

PR _ **
NP - 6-30-97




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

lype

Application

4(c)(8)

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

FR - 6-13-97

4(c)(8)

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

FR - 6-13-97

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

FR - 6-19-97

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

FR - 6-19-97




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 30, 1997. If you are interested in obtaining a copy of the evaluation document,
please contact the bank(s) directly.
Identification of Ratings
O-

e
,

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 -

' A n 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

Linden State Bank
100 North Meridan
Linden, Indiana 47955
(317) 339-4646
RSSD# 157744

2/03/97

O

The Home Trust and Savings Bank
628 Main Street
Osage, Iowa 50461-1308
(515) 732-3763
RSSD# 60545

2/03/97

NI

F&M Bank Northeast
160 East Pulaski Street
Pulaski, Wisconsin 54162
(414) 822-3225
RSSD# 282141

1/21/97

O

FEDERAL RESERVE BANK
OF CHICAGO

May 23,1997
T o : Recipients of the Applications Bulletin

The Board of Governors issued the attached press release regarding the availability of
information on applications and notices being processed by the Federal Reserve System. The
Board has developed a new publication, called the H.2A, that will be available on the Internet
via a 24 hour fax-on-demand facility, and by mail. As the H.2A will provide more complete and
up-to-date information, on a system-wide basis, you may want to take advantage of this new
publication. You can arrange for a subscription by either calling the Board's Publications
Services at 202-452-3245 or by writing to Publications Services, MS-17, Federal Reserve Board,
Washington, D.C. 20551.
If you wish to discontinue receiving this Reserve Bank's Weekly Application Bulletin, please
write to me at Supervision and Regulation Department, Applications Division, Federal Reserve
Bank of Chicago, P.O. Box 834, Chicago, IL, 60690-0834, or call 312-322-6145.




Very truly yours,

230 S O U TH I A SAL IF. S 1 K IH
CHICAGO. ILLINOIS bOHM-1

\]

FEDERAL RESERVE press release
For immediate release

April 30, 1997

The Federal Reserve Board announced today the start of a new weekly publication that
lists applications and notices, together with the deadline for comment, that have been filed under the
Bank Holding Company Act or the Change in Bank Control Act.
The new publication is available in three forms:
•

By a fax-on-demand call-in facility that is available 24 hours a day, 7 days a week,
and will automatically fax a copy of the new publication to the caller. The call-in
number is 202-452-3655

•

On the Board’s Internet Home Page at www.bog.frb.fed.us

•

By mail by contacting the Board’s Publications Services at 202-452-3245, or by
writing to Publications Services, MS-127, Federal Reserve Board, Washington, D.C.
20551.
In its recent revision, of Regulation Y, the Board announced that it would take steps to

improve the effectiveness and timeliness of public notices of merger and acquisition proposals. The
new publication, numbered the H.2A, lists applications and notices alphabetically by applicant
together with the appropriate Federal Reserve Bank where comments may be filed, and who to
contact to receive the public portion of the application.
Posting of the publication on the Board’s Home Page allows a user to search for a
notice by the applicant’s name, acquiree’s name or activity, section of law, or by Reserve Bank. The
information will be updated at least every three business days.
The H.2, which lists actions taken by the Board on applications plus applications
received, and Community Reinvestment activities, will continue to be published.




RESERV E BA N K A PPLIC A TIO N S B U LLETIN

For week ending May 30, 1997

FEDERAL RESERVE BANK OF ST. LOUIS
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application

End of Comment Period

None.

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

End of Comment Period

* Section 3(a)(3) notification by Simmons First
National Corporation, Pine Bluff, Arkansas, to
acquire First Bank of Arkansas, Searcy, Arkansas,
and First Bank of Arkansas, Russellville, Arkansas.

Federal Register 6-27-97

* Section 3(a)(5) notification by First United
Bancshares, Inc., El Dorado, Arkansas, to acquire
Fredonia Bancshares, Inc., Nacogdoches, Texas.

Newspaper: 6-22-97

Change in control notification involving Nashoba
Bankshares, Inc., Memphis, Tennessee, by Waymon
H. Welch, Jr.

N/A

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application

End of Comment Period

None.

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

* This notification is subject to CRA.




End of Comment Period

RESERV E BA N K A PPLIC A TIO N S BU LLETIN

For week ending May 30, 1997

FEDERAL RESERVE BANK OF ST. LOUIS
SECTION V - AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification of Ratings;

O
utstanding record ofm
eeting com unity credit needs
m
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 ofm
eeting com unity credit needs
m
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.

N to im
eeds
prove record ofm
eeting com unity credit needs
m
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 noncom
pliance inm
eeting com unity credit needs
m
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.

Name of Bank

Bank RSSD
Number




None

Bank Address

Examination
Date

Examination
Rating

FED E R 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.
FED ER 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 National Bancorp o f River Falls, Inc., 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 o f River Falls, River Falls, Wisconsin. *

June 26, 1997
(Federal Register)

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. *

June 26, 1997
(Federal Register)

State Bank o f Hawley Employee Stock Ownership Plan and Trust,
Hawley, M innesota for prior approval to acquire 32.8% o f the
voting shares o f the Bankshares o f Hawley, Inc., Hawley, Minnesota. *

June 27, 1997
(Federal Register)

Cobb Limited Partnership, St. Croix Falls, Wisconsin to acquire
control o f 55.7% o f the voting shares o f Financial Services of
St. Croix Falls, Inc., St. Croix Falls, Wisconsin.

Not yet available

* Subject to CRA
FED ER A L R ESER 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
Norwest Corporation, Minneapolis, Minnesota to engage in
the residential mortgage lending business through the
acquisition o f Revelation Mortgage Company o f America,
Washington, D.C., a joint venture with Revelation Mortgage
Corporation.
FED ER A L R E SER 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.



Not yet available

FED ER A L R E SER V E BANK O F M IN N EA PO LIS
Section V - Availability o f
CRA Public Evaluations
w eek ending M ay 30,1997

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.
BANK!SI EXAM INED
NONE.




DATE OF EXAMINATION

CRA RATING

KANSAS CITY RESERVE BANK APPLICATIONS AND REPORTS RECEIVED
During the week ending May 30, 1997

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY

APPLICATION

COMMENT PERIODS

GDATE

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

: PERIOD ENDING DATE

John B. Bedene, Bruce Fowler Bedene, Becky
Suzanne Bualle, and Barry William Bedene, as co­
trustees of the Trust Estate established by the Will of
John H. Bedene, Deceased, all of Arma, Kansas; for
prior acquire to acquire 51 percent of the voting shares
of Bedene Insurance Agency, Inc., Arma, Kansas, and
thereby indirectly acquire The First State Bank, Arma,
Kansas.*

June 18, 1997

John C. Sullivan, Livingston, Montana; for prior
approval to acquire an additional 4.40 percent, for a
total of 33.34 percent, of the voting shares of
Northeastern Wyoming Bank Corporation, Newcastle,
Wyoming, and thereby indirectly acquire First State
Bank of Newcastle, Newcastle, Wyoming.*

June 17, 1997

First National Bancshares of Gallatin, Inc., Gallatin,
Missouri; for prior approval to become a bank holding
company by acquiring 100 percent of the voting shares
of Interim First National Bank of Gallatin, Gallatin,
Missouri, which will be merged with First National
Bank of Gallatin, Gallatin, Missouri.*

June 27, 1997

George H. Moyer, Jr., Co-Trustee and Co-Personal
Representative and Jon M. Moyer, Co-Trustee and
Co-Personal Representative, to increase ownership of
the voting shares of Madison Bancshares, Inc.,
Madison, Nebraska, from 33.3 percent to 46.6
percent.*

Not Available




SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

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

APPLICATION
None.
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:
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.




Bank/Location

RSSD#

Exam Date

CRA Public
Date

Unita County State Bank
128 North Birch Street
Mountain View, Wyoming

85052

2-27-97

5-30-97

♦Application is subject to CRA.




CRA
Rating
Substantial
Noncompliance

FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF MAY 27, 1997

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY

NOTICE EXP

APPLICATION
None.

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

AEBLLCAIIQM

** NOT

Change in Control Notice by
Alvin L. Fields, Honey Grove, TX, et al,
to acquire an interest in
Quadco Bancshares, Inc., Ladonia, TX

N/A

♦Section 3(a)(1) application by
New Woodson Bancshares, Inc., Graham, TX,
to acquire Woodson Bancshares, Inc., Woodson, TX,
First State Bancorp, Inc., Carson City, NV,
and First State Bank, Graham, TX

N/A

♦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
(Previously reported during the week of 97/05/19)
♦Section 3(a)(1) application by
Bedford Delaware Bancshares, Inc., Dover, DE, to acquire
Western American National Bank, Bedford, TX
(Previously reported during the week of 97/05/19)
♦Section 3(a)(3) applications by
Moody Bancshares, Inc., Galveston, TX, and
Moody Bank Holding Company, Reno. NV, to acquire
Bank of Galveston, N.A., Galveston, TX

97/06/23

97/06/23

97/06/23

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




NOTICE EXP

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 MEEK OF MAY 27. 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

Date of
Examination

CRA Rating

Minden Bank & Trust Company
401 Main Street
P.O. Box 400
Minden, Louisiana
188551

96/08/12

Satisfactory




FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 5/30/97
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
Neighborhood Bancorp, San Diego, California, to
become a bank holding company by acquiring
Neighborhood National Bank (In Organization),
San Diego, California. *
Randall M. Proctor, Sandy, Oregon, to increase
his ownership up to 24.0 percent of CCB Financial
Corporation, Sandy, Oregon. *

Newspaper:

Not available

Fed, Reg.;

6/23/97

Newspaper:

Not available

Fed. Reg.:

Not available

Section III -Applications Subject to Federal Register Only
None

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

* Subject to CRA.



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 5/30/97'
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*

None

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

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



H .2 A

Notice of Formations and Mergers of, and Acquisitions by, Bank Holding
Companies; Change in Bank Control
Notices Filed as of May 30,1997
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),
(b)(4), (b)(15), and (b)( 16)

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 York, 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

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

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

CIBC

Kansas City

June 18, 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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

CB Bancorp, Inc.,
Higginsport, OH

The Citizens Bank,
Higginsport, OH

3

Cleveland

March 24, 1997

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 (b)(l)(iii), (8)(i),
(9), and (15)

4

Richmond

May 16, 1997

Central Illinois Bancorp,
Sidney, IL

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

3

Chicago

June 26, 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,
Lawrenceburgj 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, MI;
City Bank,
Saint Johns, MI

3

Chicago

May 8, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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 (b)(7)(i)
and (iii); financial &
Investment advisory
services (b)(6);
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 (b)(7)(iii)

4

Kansas City

June 3, 1997

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)(H)

4

St. Louis

May 13, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

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)

4

New York

June 17, 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

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

TradeWeb, L.L.C.,
data processing (b)(7)

4

New York

April 16, 1997

CreditanstaltBankverein,
Vienna, Austria

community investments
(b)(6)

4

New York

February 24, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

Crites, John William,
Petersburg, WV

Reserve Bank

. End of comment period

CIBC

Kansas City

April 30, 1997

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

Deutsche Bank, AG
(Main)
Federal Republic of
Germany

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

4

New York

May 12, 1997




Section of law

Applicant or notificant

Acquiree or activity

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

extending credit &
servicing loans (b)(1),
leasing personal/real
property (b)(3), trust
company functions (b)(5),
financial/investment advisor
(bX6); agency transactional
services for customer
investment (b)(8); &
management consulting &
conseling (b)(9)

4

New York

June 17, 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

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

Eden Financial
Corporation,
San Angelo, TX

The First State Bank of
Rankin,
Rankin, TX

3

Dallas

March 24, 1997

Ewen Bancshares, Inc.,
Ewen, MI

State Bank of Ewen,
Ewen, MI

3

Minneapolis

June 26, 1997

Exchange Bankshares
Corporation of Kansas,
Atchison, KS

The Farmers and Merchants
State Bank,
Effingham, KS

3

Kansas City

May 2, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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&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.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

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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

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.
(i),
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

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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

Section of law

Reserve Bank

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

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

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

3

Minneapolis

June 26, 1997




End of comment period

Applicant or notificant

Acquiree or activity

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

First National
Community Bancorp,
Inc.,
Dunmore, PA

First National Community
Bank,
Dunmore, PA

3

Philadelphia

May 10, 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

First United Bancshares,
Inc.,
El Dorado, AR

Fredonia Bancshares, Inc.,
Nacogdoches, TX, and
Fredonia State Bank,
Nacogdoches, TX

3

St. Louis

June 30, 1997

Firstbank Corporation,
Alma, MI

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

3

Chicago

June 9, 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

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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

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

Hohl Financial, Inc.,
Wahoo, NE

Reserve Bank

End of comment period

CIBC

Kansas City

March 14, 1997

Wahoo State Bank,
Wahoo, Nebraska

3

Kansas City

May 16, 1997

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)

4

Cleveland

June 17, 1997

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

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

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




Section of law

Applicant or notificant

Acquiree or activity

InvestorsBancorp, Inc.,
Pewaukee, WI

InvestorsBank,
Pewaukee, WI

3

Chicago

May 30, 1997

John Porter Pennington,
El Paso, TX

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

CIBC

Dallas

June 11, 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

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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

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

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

0 ),
Omaha, NE
CONTINUED




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Lauritzen Corporation
(2),
Omaha, NE
CONTINUED

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

3

Kansas City

June 2, 1997

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 (b)(4);
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




Section of law

Reserve Bank

End of comment period

Applicant or notiflcant

Acquiree or activity

MAXLOU Bancshares,
Inc.,
Tahlequah, OK

Section of law

Reserve Bank

End of comment period

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

3 and 4

Kansas City

April 11, 1997

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, MI;
Ameribanc, Inc.,
St. Louis, MI

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




Applicant or notiflcant

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

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

The Bank of Galveston,
N.A.,
Galveston, TX

3

Dallas

June 30, 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

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

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

National Canton
Bancshares, Inc.,
Canton, IL

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

3

Chicago

April 18, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

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

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

Neighborhood Nat'l Bank,
San Diego, CA; &
Neighborhood Capital
Advisors, San Diego, CA,
community development
(b)(12); financial &
investment advisory (b)(6);
Neighborhood Housing
Development Corp., San
Diego, CA, community
development (b)(12),
CONTINUED

3 and 4

San Francisco

June 23, 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

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

Northeast Kansas
Bancshares, Inc.,
Valley Falls, KS

Valley Falls Insurance, Inc.,
Valley Falls, KS,
Kendall State Bank,
Valley Falls, KS, insurance
activities (b)(8)(iii)

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 (b)(9)

4

Atlanta

May 8, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

Penns Woods Bancorp,
Inc.,
Williamsport, PA

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

3

Philadelphia

April 25, 1997

Peoples Bank
Employee Stock
Ownership Trust,
Marion, KY

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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Pinnacle Bancorp, Inc.,
Central City, NE

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

Pinnacle Bancshares,
Inc.,
Thomson, GA

Reserve Bank

End of comment period

3

Kansas City

April 25,1997

McDuffie Bank & Trust,
Thomson, GA

3

Atlanta

May 5, 1997

Pinnacle Financial
Services, Inc. (A),
St. Joseph, MI
CONTINUED

CB Bancorp Inc., Michigan
City, IN, & Community
Bank,
FSB, Michigan City, IN,
operating a savings assoc.
(b)(4)(ii); Community
Bank, Community Financial
Services Inc., &
Community Brokerage
Services Inc., Michigan
City, IN,
CONTINUED

4

Chicago

June 19, 1997

Pinnacle Financial
Services, Inc. (B),
St. Joseph, MI
CONTINUED

financial & investment
advisory (b)(6)(ii), (iii),
(iv), (v) & (vi), & provide
securities brokerage
services, (b)(7)(i) & (ii)

4

Chicago

June 19, 1997

Pinnacle Financial
Services, Inc., (1)
St. Joseph, MI
CONTINUED

Indiana Federal Corp., &
Indiana Federal Bank for
Savings, Valparaiso, IN,
operating a savings
association (b)(4)(ii);
IndFed Mortgage Co.,
Valparaiso, IN, community
development activities
(b)( 12); &
CONTINUED

4

Chicago

June 19, 1997




Section of law

Applicant or notificant

Acquiree or activity

Pinnacle Financial
Services, Inc., (2)
St. Joseph, MI
CONTINUED

provide advice in
connection with financing
transactions (b)(iii); IFB
Investment Services, Inc.,
Valparaiso, IN, financial &
investment advisory (b)(6);
& provide advice in
connection with financing
transactions (b)(iii); &
provide
CONTINUED

4

Chicago

June 19,1997

Pinnacle Financial
Services, Inc., (3)
St. Joseph, MI
CONTINUED

securities brokerage
services & riskless principal
transactions (b)(7), &
Forrest Holdings, Inc., &
Forrest Financial Corp.,
Lisle, IL, leasing
(b)(3(i)(&(ii)

4

Chicago

June 19, 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

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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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 (bX4Xii)

4

Atlanta

May 23, 1997

Rossenberg, Clifford R.,
Sunset Beach, CA

Security First Bank,
Fullerton, CA

CIBC

San Francisco

May 27,1997

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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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
(bX6)

3

Chicago

May 17,1997

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

South Branch Valley
Bancorp, Inc.,
Moorefield, WV

Capital State Bank, Inc.,
Charleston, WV

3

Richmond

May 23,1997

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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Spangler, Charles Leon,
Aurora, MO

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

croc

St. Louis

May 15,1997

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

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

Arizona Community Bank
of Scottsdale,
Scottsdale, AZ

3

Minneapolis

June 6, 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

Susquehana Bancshares,
Inc.,
Lititz, PA

Founders Bank,
Bryn Mawr, PA

3

Philadelphia

May 19, 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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

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)(8)(ii)

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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

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 for Comments
Comments on the applications and notices may be sent to the appropriate Federal Reserve Bank
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 since the H.2A dated May 30,1997
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

Altus NBC Corporation,
Inc., Oklahoma City,
OK

NBC Corporation, Inc.,
Oklahoma City, OK, and
NBC Technologies, Inc.,
Oklahoma City, OK
providing data
processing services (b)( 14)

City Bancorp,
Springfield, MO

Reseire Bank

End of comment period

4

Kansas City

June 25, 1997

THE BANK, Springfield,
MO, a de novo bank

3

St. Louis

July 3,1997

Cobb Limited
Partnership, St. Croix
Falls, WI

Financial Services of St.
Croix Falls, Inc., St. Croix
Falls, WI, and First
National Bank of St. Croix
Falls, St. Croix Falls, WI

CIBC

Minneapolis

June 23, 1997

Commercial Bancshares
of Ozark, Inc., Ozark,
AL

The Commercial Bank of
Ozark,
Ozark, AL

3

Atlanta

July 3, 1997

CoVest Bancshares,
Inc.,
Des Plaines, IL

CoVest Banc, N.A.
(formerly known as First
Federal Bank for Savings),
Des Plaines, IL

3

Chicago

July 3, 1997




Section of law

Applicant or notificant

Acquiree or activity

Edgar County Banc
Shares, Inc.,
Paris, IL

Kansas Banc Corporation,
Kansas, IL, and Kansas
State Bank, Kansas, IL, and
Edgar County Bank & Trust
Co., Paris, IL

3

Chicago

June 30, 1997

F & M Bancorporation,
Inc., Kaukauna, WI,
and F & M Merger
Corporation, Kaukauna,
WI

Clear Lake Bancorp, Inc.,
Clear Lake, WI, and
Landmark Bank, Clear
Lake, WI

3

Atlanta

July 3, 1997

First Bank System, Inc.,
Minneapolis, MN

First Bank National
Association, Fargo, ND

3

Minneapolis

July 3, 1997

Lauritzen Corporation,
Omaha, NE

First National of Nebraska,
Inc., Omaha, NE, and First
National Bank South
Dakota, Yankton, SD; First
National Bank, Fort Collins,
CO; Union Colony Bank,
Greeley, CO; and The Bank
of Boulder, Boulder, CO

3

Kansas City

June 20, 1997

Norma McLane-Smith
Family Limited
Partnership,
Poplar Bluff, MO

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

3

St. Louis

July 3, 1997

Norwest Corporation,
Minneapolis, MN

Myers Bancshares, Inc.,
Dallas, TX, and Continental
State Bank, Boyd, TX

3

Minneapolis

July 3, 1997

Norwest Corporation,
Minneapolis, MN

Woodhaven National
Bank, Fort Worth, TX

3

Minneapolis

July 3, 1997

Norwest Corporation,
Minneapolis, MN

Norwest Ventures, Inc., Des
Moines, MN, residential
mortgage lending (b)(1) and
(b)(2)

4

Minneapolis

June 23,1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Provident Bankshares
Corporation,
Baltimore, MD

First Citizens Financial
Corp., Gaithersburg, MD,
and Citizens
Savings Bank, F.S.B.,
Gaithersburg, MD,
operating a saving
association (b)(4)(H);
originating & selling
residential mortgage loans
(b)(1); and selling mortgage
life insurance (b)(l l)(i)

Randall M. Proctor,
Sandy, OR

Reserve Bank

End of comment period

4

Richmond

June 23, 1997

CCB Financial Corporation,
Sandy, OR, and Clackamas
County Bank, Sandy, OR

CIBC

San Francisco

June 23, 1997

Waseca Bancshares,
Inc., Waseca, MN

American Savings, Inc.,
Farmington, MM, acquiring
an industrial loan and thrift
company (b)(4)(i)

4

Minneapolis

June 24, 1997

Waymon Heriot Welch,
Jr., Memphis, TN

Noshoba Bancshares, Inc.,
Memphis,
TN, and Nashoba Bank,
Germantown, TN

CIBC

St. Louis

June 23, 1997




Section of law

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

Addresses for 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)




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