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ANNOUNCEMENT H . 2 , 1 9 9 1 , No. 4 6 A c t i o n s o f t h e B o a r d , i t s S t a f f , and BOARD OF GOVERNORS th e F e d e r a l R e se rv e B an k s; OF . -. ^ - - THE ----Q m %0 , A p p l i c a t i o n s and R e p o r t s R e c e iv e d FEDERAL RESERVE,. ^ S T B M -1 m D u rin g t h e Week E n d in g N ovem ber 1 6 , 1 9 9 1 • . ..., FEO£o v c © ’^ hd ACTIONS TAKEN BY THE BOARD OF GOVERNORS TESTIMONY AND STATEMENTS Availability of bank credit and the effect of certain bank supervisory policies on the willingness of banks to lend — statement by Richard Spillenkothen, Director, Division of Banking Supervision and Regulation before the Subcommittee on General Oversight and Investigations of the House Committee on Banking, Finance and Urban Affairs, Orlando, Florida, November 15, 1991. Published, November 15, 1991. BANK HOLDING COMPANIES Ames National Corporation, Ames, Iowa — to acquire Boone Bank and Trust Company, Boone, Iowa, which will acquire Boone State Bank & Trust Company. Approved, November 13, 1991. Provident Bancorp, Inc., Cincinnati, Ohio — acquire Hunter Savings Association. Approved, November 13, 1991. to BANK MERGERS Provident Bank, Cincinnati, Ohio — to merge with Hunter Savings Association, and to establish 20 branches in Ohio. Approved, November 13, 1991. ENFORCEMENT Resource Bank, Virginia Beach, Virginia — written agreement dated October 28, 1991, with the Federal Reserve Bank of Richmond and the Bureau of Financial Institutions of the Commonwealth of Virginia, Richmond, Virginia. Announced, November 12, 1991. H 2 NOVEMBER 12, 1991 PAGE 2 TO NOVEMBER 15, 1991 ACTIONS TAKEN BY THE BOARD OF GOVERNORS FORMS Bank Holding Company Reporting Requirements (FR Y-9C, FR Y-9LP, and FR Y-9SP) — revisions. Proposed, November 12, 1991. Bank Holding Company Reporting Requirements (FR Y-9', FR Y-9LP, FR Y-11Q, and FR Y-11AS) — revisions. Approved, November 12, 1991. Report of Condition for Foreign Subsidiaries of U.S. Banking Organizations (FR 2314a, 2314b, and 2314c) — extension with revision. Proposed, November 12, 1991. ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY ABBREVIATIONS: BS&R - Banking Supervision and Regulation; C&CA - Consumer and Community Affairs; FOMC - Federal Open Market Committee; FRBO - Federal Reserve Bank Operations; IF - International Finance; OSDM - Office of Staff Director for Management BANK BRANCHES, DOMESTIC Cleveland Citizens Commercial Bank & Trust Company, Celina, Ohio — to relocate the main office to 225 North Main Street, from 115-119 South Main Street. Returned, November 15, 1991. Chicago City Bank of Bloomington-Normal, Bloomington, Illinois — to establish a branch at 1403-1405 S. Main Street, Normal, Illinois. Approved, November 12, 1991. Philadelphia Commerce Bank / Harrisburg, Camp Hill, Pennsylvania - to establish a branch at Route 22 and South Mountain Road in Lower Paxton Township, Pennsylvania. Approved, November 14, 1991. H .2 NOVEMBER 12, 1991 PAGE 3 TO NOVEMBER 15, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK BRANCHES, DOMESTIC Chicago Midwest Commerce Banking Company, Elkhart, Indiana — to establish a branch at the corner of Ironwood and State Road 23 N, South Bend, Indiana. Approved, November 13, 1991. BANK HOLDING COMPANIES Philadelphia BT Financial Corporation, Johnstown, Pennsylvania — to acquire BT Interim Federal Savings Bank, which was formed to facilitate the transfer of the fixed assets and insured deposits from the Somerset, Pennsylvania, branch of Atlantic Financial Savings, F.A., Bala Cynwyd, Pennsylvania, to Johnstown Bank and Trust Company. Approved, November 15, 1991. Chicago Comerica Incorporated, Detroit, Michigan — to acquire certain nonbanking assets of Midlantic National Bank & Trust Co. / Florida, in Boca Raton, Fort Lauderdale, Delray Beach, and Palm Beach, Florida. Approved, November 12, 1991. Cleveland CSB Bancorp, Inc., Millersburg, Ohio — to acquire The Commercial & Savings Bank of Millersburg, Ohio. Approved, November 14, 1991. Richmond Eagle Financial Services, Inc., Berryville, Virginia — to acquire Bank of Clarke County, Berryville, Virginia. Approved, November 15, 1991. Philadelphia First Fidelity Bancorporation, Lawrenceville, New Jersey — to acquire First Fidelity Interim Savings Bank, FSB, Philadelphia, Pennsylvania, which was formed to facilitate the transfer of certain assets and certain insured deposits from the twenty-nine Eastern Pennsylvania branches of Atlantic Financial Savings, F.A., Bala Cynwyd, Pennsylvania, to Fidelity Bank, National Association, Philadelphia, Pennsylvania. Approved, November 15, 1991. H.2 NOVEMBER 12, 1991 PAGE 4 TO NOVEMBER 15, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Kansas City First National Johnson Bancshares, Inc., Johnson, Nebraska — to acquire First National Bank of Johnson. Approved, November 13, 1991. Kansas City First State Bancorporation, Inc., Taos, New Mexico — to acquire New Mexico Bank Corporation, Albuquerque, New Mexico. Approved, November 15, 1991. Philadelphia FNH Corporation, Herminie, Pennsylvania — to acquire certain assets and assume certain liabilities of Atlantic Financial Savings, F.A., Bala Cynwd, Pennsylvania. Approved, November 15, 1991. Cleveland Integra Financial Corporation, Pittsburgh, Pennsylvania — to acquire certain assets and assume certain liabilities of Atlantic Financial Savings, F.A., Bala Cynwd, Pennsylvania. Approved, November 15, 1991. Chicago Lake Forest Bancorp, Inc., Lake Forest, Illinois — to acquire Lake Forest Bank and Trust Company. Approved, November 15, 1991. Minneapolis Norwest Corporation, Minneapolis, Minnesota — to engage in the sale of crop hail insurance through Allied Crop Agency, Inc., Des Moines, Iowa. Approved, November 12, 1991. Chicago Romy Hammes Bancorp, Inc., South Bend, Indiana — to acquire Romy Hammes, Inc., South Bend, Indiana, and Peoples Bank of Marycrest, Bradley, Illinois. Approved, November 13, 1991. Cleveland Southwest National Corporation, Greensburg, Pennsylvania — to acquire certain assets and assume certain liabilities of Atlantic Financial Savings, F.A., Bala Cynwd, Pennsylvania. Approved, November 15, 1991. H .2 NOVEMBER 12, 1991 PAGE 5 TO NOVEMBER 15, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Cleveland S&T Bancorp, Inc., Indiana, Pennsylvania — to acquire certain assets and assume certain liabilities of Atlantic Financial Savings, F.A. Bala Cynwd, Pennsylvania. Approved, November 15, 1991. San Francisco Sumitomo Bank, Limited, Osaka, Japan — to engage in swap activities through Sumitomo Bank Capital Markets (U.K.), Limited, London, England, through branch located in Hong Kong. Permitted, November 15, 1991. San Francisco United Security Bancorporation, Chewelah, Washington — to engage in full service insurance activities through retention of certain assets and liabilities acquired by USB Insurance Agencies, Inc., from JLM Insurance Agency, Colville, Washington, and Ron Lee Insurance Agency, Chewelah Washington. Approved, November 13, 1991. Philadelphia USBancorp, Inc., Johnstown, Pennsylvania — to acquire New Atlantic, F.A., to facilitate the transfer of certain assets and certain insured deposits from the Century Mall branch of the insolvent Atlantic Financial Savings, F.A., Bala Cynwd, Pennsylvania, to Three Rivers Bank & Trust Company, McKeesport, Pennsylvania. Approved, November 15, 1991. BANK MERGERS Richmond Clifton Trust Bank, Cockeysville, Maryland — to merge with The Commercial Bank, Bel Air, Maryland. Approved, November 13, 1991. Cleveland Commercial & Savings Bank of Millersburg, Ohio, Millersburg, Ohio — to merge with Millersburg Interim Bank. Approved, November 14, 1991. H .2 NOVEMBER 12, 1991 PAGE 6 TO NOVEMBER 15, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK MERGERS Kansas City First State Bank of Taos, Taos, New Mexico — to merge with National Bank of Albuquerque, Albuquerque, New Mexico, and to establish branches Approved, November 15, 1991. Philadelphia Johnstown Bank and Trust Company, Johnstown, Pennsylvania — to acquire the assets and assume the liabilities of BT Interim Federal Savings Bank and to establish a branch.. Approved, November 15, 1991. Chicago Sanilac County Bank, Deckerville, Michigan — to merge with State Bank of Cromwell, Cromwell, Michigan, and to establish branches. Returned, November 15, 1991. BANK PREMISES Chicago City Bank of Bloomington - Normal, Bloomington, Illinois — investment in bank premises. Approved, November 13, 1991. Kansas City First State Bank of Taos, Taos, New Mexico — investment in bank premises. Approved, November 15, 1991. Chicago Hawkeye Bank & Trust Des Moines, Des Moines, Iowa — investments in bank premises. Approved, November 15, 1991. Philadelphia Johnstown Bank and Trust Company, Johnstown, Pennsylvania — investment in bank premises. Approved, November 15, 1991. Chicago Lapeer County Bank & Trust Co., Lapeer, Michigan — investment in bank premises. Approved, November 12, 1991. H .2 NOVEMBER 12, 1991 PAGE 7 TO NOVEMBER 15, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANKS, NONMEMBER, AND MISCELLANEOUS INSTITUTIONS San Francisco Columbia Savings and Loan Association, F.A., Beverly Hills, California — registration statement. Withdrawn, November 14, 1991. CAPITAL STOCK Minneapolis Kiester Investments, Inc., Kiester, Minnesota — redemption of shares. Returned, November 13, 1991 . Cleveland Marblehead Bank, Marblehead, Ohio — shares. Approved, November 15, 1991 . Secretary Trans Financial Bancorp, Inc., Bowling Green, Kentucky — redemption of shares. Approved, November 14, 1991. redemption of CHANGE IN BANK CONTROL Dallas Bancwell Financial corporation, Wells, Texas — change in bank control. Returned, November 13, 1991. S t . Louis First National Bancshares of Hempstead County, Inc., Hope, Arkansas — change in bank control. Permitted, November 15, 1991. Kansas City Professional Bank, Englewood, Colorado — bank control. Permitted, November 15, 1991. change in COMPETITIVE FACTORS REPORTS St. Louis BoatmenTs Bank of Zeigler, Zeigler, Illinois — proposed merger with Boatmen1s National Bank of Benton, Benton, Illinois — report on competitive factors. Submitted, November 14, 1991. Chicago Boone State Bank & Trust Company, Boone, Iowa, proposed purchase and assumption of certain assets and liabilities of Boone Bank & Trust Co. — report on competitive factors. Submitted, November 15, 1991. H .2 NOVEMBER 12, 1991 PAGE 8 TO NOVEMBER 15, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COMPETITIVE FACTORS REPORTS Kansas City Citizens National Bank of Greenleaf, Greenleaf, Kansas, proposed merger with Cloud County Bank & Trust, Concordia, Kansas — report on competitive factors. Submitted, November 12, 1991. Atlanta F&C Bancshares, Inc., Punta Gorda, Florida, proposed acquisition of First Federal Savings Bank of Charlotte County, via FFCC Interim Savings Association — report on competitive factors. Submitted, November 12, 1991. Atlanta Fifth Third Savings Bank, F.S.B., Palm Harbor, Florida, proposed acquisition of Fifth Third Trust Company, N.A., Naples, Florida — report on competitive factors. Submitted, November 12, 1991. Philadelphia First Citizens National Bank, Mansfield, Pennsylvania, proposed merger with Star Savings and Loan Association, Sayre, Pennsylvania — report on competitive factors. Submitted, November 12, 1991. Atlanta First Farmers and Merchants National Bank of Columbia, Columbia, Tennessee, proposed acquisition of the assets and assumption of the deposit liabilities of the Centreville and Chapel Hill, Tennessee, branches of Sovran Bank / Tennessee, Nashville, Tennessee (branches) — report on competitive factors. Submitted, November 13, 1991. Secretary FirstBank at Arapahoe / Holly, N.A., Littleton, Colorado, proposed merger with FirstBank at Arapahoe / Yosemite, Englewood, Colorado — report on competitive factors. Submitted, November 13, 1991. H .2 NOVEMBER 12, 1991 PAGE 9 TO NOVEMBER 15, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COMPETITIVE FACTORS REPORTS Atlanta Harbor Federal Savings and Loan Association, Fort Pierce, Florida, and BancFlorida, A Federal Savings Bank, Naples, Florida, proposed exchange of deposit liabilities and certain assets at 3420 U.S. 27th North, Sebring, Florida (to be sold by Harbor to BancFlorida) and 305 East North Park Street, Okeechobee, Florida (to be sold by BancFlorida) -report on competitive factors. Submitted, November 12, 1991. Dallas North Fort Worth Bank, Fort Worth, Texas, proposed merger with Central Bank and Trust — report on competitive factors. Submitted, November 13, 1991. Chicago Old State Bank of Fremont, Fremont, Michigan, proposed merger with OSF Bank — report on compet it ive factors. Submitted, November 14, 1991. San Francisco Washington Federal Savings and Loan Association, Seattle, Washington, proposed assumption of deposit liabilities of First Western Savings Association, Las Vegas, Nevada — report on competitive factors. Submitted, November 15, 1991. San Francisco WestAmerica Bank, N.A., San Rafael, California, proposed merger with John Muir National Bank, Martinez, California — report on competitive factors. Submitted, November 14, 1991. Kansas City Western National Bank of Colorado Springs, Colorado Springs, Colorado, proposed merger with Western National Bank of Colorado, and Western National Bank Academy Boulevard — report on competitive factors. Submitted, November 12, 1991. H .2 NOVEMBER 12, 1991 PAGE 10 TO NOVEMBER 15, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY EXTENSIONS OF TIME Atlanta Aliant National Corporation, Alexander City, Alabama — extension to January 28, 1992, to acquire Aliant Bank For Savings, FSB. Granted, November 14, 1991. San Francisco Desert Southwest Community Bancorp, Las Vegas, Nevada — extension to February 23, 1992, to acquire Nevada Community Bank. Granted, November 13, 1991 . Chicago First Bancshares, Inc., Schaumburg, Illinois — extension to February 14, 1992, to acquire First Bank of Schaumburg, Schaumburg, Illinois. Granted, November 13, 1991. San Francisco First Interstate Bancorp, Los Angeles, California — extension to divest certain property. Granted, November 14, 1991. Atlanta Founders Financial Corporation, Naples, Florida — extension to March 4, 1992, to acquire Colonial National Bank, Fort Myers, Florida. Granted, November 15, 1991. San Francisco Puget Sound Bancorp, Tacoma, Washington — to divest certain property. Granted, November 14, 1991. Cleveland Commercial & Savings Bank of Millersburg, Ohio, Millersburg, Ohio — to become a member of the Federal Reserve System. Approved, November 14, 1991. Chicago Lake Forest Bank and Trust Company, Lake Forest, Illinois — to become a member of the Federal Reserve System. Approved, November 14, 1991. extension MEMBERSHIP H .2 NOVEMBER 12, 1991 PAGE 11 TO NOVEMBER 15, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY RESERVE BANK SERVICES Director, FRBO Federal Reserve Bank of Cleveland — to reduce the monthly fees for the Full Lease and Partial Lease products supporting Fedline and FLASH - LIGHT electronic connections. Approved, November 13, 1991. Director, FRBO Federal Reserve Bank of Philadelphia — to implement an additional dollar threshold to the low - dollar return item redeposit service. Approved, November 13, 1991. H.2 NOVEMBER 12, 1991 PAGE 12 ADDITIONS AND CORRECTIONS TO NOVEMBER 15, 1991 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Chicago Illinois Financial Services, Inc., Chicago, Illinois, and Metropolitan Bancorp, Inc. — to acquire Civic Federal Savings Bank. Returned, November 8, 1991. COMPETITIVE FACTORS REPORTS Atlanta C&S Sovran Corporation, Atlanta, Georgia, proposed acquisition of NCNB Corporation, Charlotte, North Carolina — report on competitive factors. Submitted, November 8, 1991. ENFORCEMENT Secretary BCCI Holdings (Luxembourg) S.A., Luxembourg, and Bank of Credit and Commerce International S.A., Bank of Credit and Commerce International (Overseas) Limited, and International Credit and Investment Company (Overseas) Limited — extension to November 22, 1991, regarding notices of charges concerning Kamal Adham, Khusro Elley, and Sayed Jawhary. Granted, November 8, 1991. EXTENSIONS OF TIME Cleveland First Bancorporation of Ohio,. Akron, Ohio — extension to February 11, 1992, to engage de novo in disaster recovery functions through First Bancorporation Services Division, Brecksville, Ohio. Granted, November 8, 1991. REGULATIONS AND POLICIES Secretary FOMC Federal Open Market Committee — meeting of October 1, 1991. Published, November 8, 1991. policy record for FEDERAL RESERVE BANK OF BOSTON APPLICATIONS SECTION I - APPLICATIONS SUBJECT NEWSPAPER NOTICE ONLY Application Comment TO Period Fleet Bank-NH, Nashua, N e w Hampshire - application to e s t a b l i s h a b r a n c h in L e banon, New Hampshire* Ending Date 12-2-91 S E C T I O N II - A P P L I C A T I O N S S U B J E C T T O B O T H NEWSPAPER AND FEDERAL REGISTER NOTICE Application Comment Period Ending Date Ending Date NONE S E C T I O N III ~ A P P L I C A T I O N S S U B J E C T FEDERAL REGISTER NOTICE ONLY Application Comment TO Period NONE SECTION IV - A P P L I C A T I O N S NOT S U BJECT TO FEDERAL REGISTER OR NEWSPAPER NOTICE Application NONE SECTION V ~ AVAILABILITY OF Institution PUBLIC EVALUATIONS Examination NONE ♦Subject CRA to CRA Date Federal Reserve Bank of N e w York Comment Period Ending Date SECTION I Applications Subject to Newspaper _______ Notice Only_______ Central Trust Company. Rochester, New York to establish an offsite electronic facility at Marketplace Mall, 3400 West Henrietta Road, Rochester, New Y o rk .l/ 11/30/91 SECTION II Applications Subject to Both Newspaper and Federal Register Notice None. SECTION III Nonbanking Applications (Subject to Federal Register Notice Only) The Chase Manhattan Corporation, New York, New York to acquire indirectly mortgage servicing rights from Florida Federal Savings Bank, St. Petersburg, Florida. 11/22/91 Barclays PLC and Barclays Bank PLC, both of London, England, BayBanks, Inc., Boston, Massachusetts, Chemical Banking Corporation, New York, New York, National Westminster Bank PLC, London, England and NatWest Holdings, Inc., New York, New York, Northeast Bancorp, Inc., New Haven, Connecticut, The Bank of New York Company, Inc., New York, New York, The Chase Manhattan Corporation, New York, New York, HSBC Holdings PLC, London, England, Kellett NV, Curacao, Netherlands Antilles, HSBC Holdings BV, Amsterdam, the Netherlands, and Marine Midland Banks, Inc., Buffalo, New York to expand the data processing activities of their subsidiary, The New York Switch Corporation, Fort Lee, New Jersey, to include the ownership, installation, operation and maintenance of automated teller machines and scrip terminals at supermarket and other merchant locations in Connecticut, Vermont, and Pennsylvania. N/A Federal Reserve Bank of N e w York Comment Period Ending Date SECTION IV Applications Not Involving Public Comment None. Availability of CRA Public Evaluations Week Ending November 16. 1991 NAME OF BANK None. 1 / Subject to provisions of Community Reinvestment Act. 2 / Later of dates specified in newspaper and Federal Register notices. 3 / Date specified in newspaper notice; a later date may be specified in the Federal Register notice. N /A - Not Available 4 / Date specified in Federal Register notice; a later date may be specified in the newspaper notice. EXAMINATION DATE FEDERAL RESERVE BANK OF PHILADELPHIA SECTION I ~ APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY Comment Period Ending Date None. SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE Comment Period Ending Date None. SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY Comment Period Ending Date None. SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE None. 1/ Subject to provisions of Community Reinvestment Act * N/A - not yet available. SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS For week ending 11/15/91 Institutions Commerce Bank/Harrisburg Senate Ave. & Erford Rd. Camp Hill, PA 17011 (717) 975-6530 Examination Date 8/12/91 Applications Bulletin F o r W e e k E n d i n g N o v e m b e r 2, 1991 S E C T I O N I ~ A P P L I C A T I O N S S U B J E C T TO N E W S P A P E R NOTICE ONLY NONE S E C T I O N II - A P P L I C A T I O N S S U B J E C T TO B O T H NEWSPAPER AND FEDERAL REGISTER NOTICE R e c e i v e d n o t i c e on O c t o b e r 29, 1991, from N: N o v e m b e r 18, M y r t l e S. Blakely, Somerset, Kentucky, to a c q u i r e up to 99.75 p e r c e n t of the o u t s t a n d i n g shares of Fir s t & Farmers Bancshares, Inc., Somerset, Kentucky. 1991 R e c e i v e d S e c t i o n 3(a)(1) a p p l i c a t i o n on O c t o b e r 31, 1991, from FNB Bancorporation, Inc., Ft. Mitchell, Kentucky, to a c q u i r e F i r s t N a t i o n a l B a n k of N o r t h e r n Kentucky, Ft. Mitchell, K e n t u c k y 1991 * N: N o v e m b e r 30, R e c e i v e d S e c t i o n 3(a)(3) a p p l i c a t i o n on * N o t Yet K n o w n # N o v e m b e r 1, 1991, from A m e r i c a n B a ncorporation, Wheeling, W e s t Virginia, to a cquire W e l l s b u r g B a n k i n g and T r u s t Company, Wellsburg, W e s t Virginia. S E C T I O N III - A P P L I C A T I O N S S U B J E C T TO F E D E R A L R E G I S T E R NOTICE ONLY NON E S E C T I O N IV - A P P L I C A T I O N S N O T S U B J E C T TO F E D E R A L R E G I S T E R N O T I C E OR N E W S P A P E R N O T I C E NONE * N F # - Su b j e c t to C R A Newspaper Comment Period F e d e r a l R e g i s t e r C o m m e n t Period E x p e c t e d t o end a p p r o x i m a t e l y 30 d a y s from the d a t e of r e c e i p t of the application. F e d e r a l R e s e rv e Bank o f Richm ond Section I - Applications Subject to Newspaper Notice Only Application Comment Period Ending Date The Forest Hill State Bank, Bel Air, Maryland, to establish a branch at the intersection of Maryland Routes 7 and 543, Belcamp, Maryland.* 12-6-91 Central Fidelity Bank, Richmond, Virginia, to establish a branch at 1457 Mount Pleasant Road, Chesapeake, Virginia.* 12-13-91 Section II - Applications Subject to Both Newspaper and Federal Register Notice Application Comment Period Ending Date Nonex Section III - Applications Subject to Federal Register Notice Application Comment Period Ending Date None. Section IV - Applications Not Subject to Federal Register Notice or Newspaper Notice Application None. *Application is subject to CRA. F e d e r a l R e s e rv e Bank o f Richm ond Availability of CRA Public Evaluations Week ending November 15, 1991 Examination Date A p p lic a t io n s F e d e r a l R e s e rv e Bank o f A t la n t a B u l l e t i n f o r W eek E n d i n g N o v e m b e r 8 , 1991 Section 1 - A p p l i c a t i o n s Subject to N e w s p a p e r N o t i c e O n l y Application Co m m e n t P e r i o d E n d i n g Date S o u t h T r u s t B a n k of Pin e l l a s Coun t y St. Petersburg, Florida To p u r c h a s e the N e w P o r t Richey, Hudson, Fl o r i d a b r a n c h of M i d - S t a t e s Federal S avings Bank, Ocala, Florida, p u r s u a n t to Se c t i o n 9 of the F e deral R e s e r v e Act. The b r a n c h is located at 8941 S.R. 52, Hudson, Florida. 11-30-91* S o u t h T r u s t B a n k of Pin e l l a s Coun t y St. Petersburg, Florida To m e r g e w i t h Sou t h T r u s t of Pin e l l a s County, FSB, St. Petersburg, Florida, an interim t h r i f t e s t a b l i s h e d to p u r c h a s e the N e w Port Richey, Hudson, F lorida b r a n c h of M i d - S t a t e F e deral Savings Bank, Ocala, Florida, p u r s u a n t to S e c t i o n 18(c) of the Federal D e p o s i t Insur a n c e Act. 1 1 -30-91* Sovran Bank/Tennessee Nashville, T e n n e s s e e To e s t a b l i s h a r e m o t e f u l l - s e r v i c e A T M at The U n i v e r s i t y of T e n n e s s e e at K n o x v i l l e to be k n o w n as U n i v e r s i t y of T e n n e s s e e A T M located at The A T M Center, S t a d i u m Drive, Knoxville, Tennessee. 11-05-91* S e c t i o n 2 - A p p l i c a t i o n s S ubject To Bot h N e w s p a p e r and Federal R e g i s t e r N o t i c e Application C o mment P e r i o d E n d i n g Date None. ♦ S u b j e c t to P r o v i s i o n s of C o m m u n i t y R e i n v e s t m e n t S e c t io n 3 - A p p lic a t io n s S u b je c t t o R e g i s t e r N o t ic e O n ly Application Fe d e ral C o m m e n t P e r i o d E n d i n g Dat e C o u n t y Bancshares, Inc. Troy, A l a b a m a To e s t a b l i s h P i k e C o u n t y Federal Savings, Troy, A l a b a m a (Interim B a n k ) , p u r s u a n t to S e c t i o n 4(c)(8) of the B a n k H o l d i n g C o m p a n y Act. In t e r i m Ban k is b e i n g f o r m e d to a c g u i r e the assets and a s s u m e the l i a b i l i t i e s of the Troy, A l a b a m a b r a n c h of Fir s t F e d e r a l Bank, FSB, T u s caloosa, Alabama. Not yet available* SouthTrust Corporation Birmingham, A l a b a m a To e s t a b l i s h S o u t h T r u s t of Pin e l l a s County, FSB, St. Petersburg, Florida, an interim thrift, to a c q u i r e c e r t a i n assets and assume c e r t a i n l i a b i l i t i e s of the N e w Port Richey, Hudson, F l o r i d a b r a n c h of M i d - S t a t e s Federal S a v i n g s Bank, Ocala, Florida, p u r s u a n t to S e c t i o n 4(c)(8) of the Bank H o l d i n g C o m p a n y A c t and the O a k a r A m e n d m e n t of FIRREA. 1 1 -30-91* L a n i e r Bankshares, Inc. Not yet a v a i l a b l e * G a inesville, G e o r g i a To r e t a i n 51 p e r c e n t of the o u s t a n d i n g shares of L a n i e r Data Corporation, Gainesville, Georgia, and c o n t i n u e to e n g a g e in data p r o c e s s i n g and transmission, services, p u r s u a n t to Sect i o n 225.25(b)(7) of R e g u l a t i o n Y. Se c t i o n 4 - A p p l i c a t i o n s Not Su b j e c t to F e deral R e g i s t e r Noti c e or N e w s p a p e r N o t i c e Application S o u t h T r u s t B a n k of P i n e l l a s County St. Petersburg, Florida R e q u e s t to e x c e e d the p r i o r appr o v e d limits for i n v e s t m e n t in b a n k premises, p u r s u a n t to S e c t i o n 24A of the F ederal R e s e r v e Act. D e p o s i t G u a r a n t y Corp. Jackson, M i s s i s s i p p i C o m m i t m e n t w a i v e r request. ♦Su b j e c t to P r o v i s i o n s of C o m m u n i t y R e i n v e s t m e n t A p p lic a t io n s F e d e r a l R e s e rv e Bank o f A t la n t a B u l l e t i n f o r W eek E n d i n g N o v e m b e r 8 . 1991 Se c t i o n 10 - A v a i l a b i l i t y of CRA P u b l i c E v a l u a t i o n s The CRA p u b l i c e v a l u a t i o n s of the instit u t i o n s l i sted b e l o w be c a m e a v a i l a b l e d u r i n g the w e e k e n ding N o v e m b e r 8, 1991. Information about an ins t i t u t i o n ' s CRA e v a l u a t i o n m a y be o b t a i n e d d i r e c t l y from the institution. Bank The P e o p l e s Savings B a n k Post O f f i c e Box 269 Clanton, A l a b a m a 35045 (205) 755-2240 E x a m i n a t i o n Dat e 08-05-91 F e d e r a l R e s e rv e B an k o f C h ic a g o Type Section I - Applications Subject to Newspaper Notice Only Comment Period Ending Date Application Branch Ccmerica Bank - Detroit Detroit, Michigan One Detroit Center 500 Woodward Avenue Detroit, Michigan* N EFT Firstar Bank Ottmrwa Ottunwa, Icwa Econofood Store, 1025 N. Quincy Avenue Ottunwa, Icwa* N - 11-17-91 EFT Firstar Bank Ottumwa Otturrwa, Iowa Quincy Place Mall, Highway 34 and Quincy Avenue N - 11-17-91 Ottmrwa, Icwa* Section II - Applications Subject t o Both Newspaper and Federal Register Notice Canment Period Ending Date Type Application Y-2 NBD Bancorp, Inc. Detroit, Michigan Gainer Corporation Merrillville, Indiana Gainer Bank, National Association Gary, Indiana* FR - 11-15-91 N - 11-10-91 Y-l NBD Indiana, Inc. Detroit, Michigan Gainer Corporation Merrillville, Indiana Gainer Bank, National Association Gary, Indiana* FR - 11-15-91 N - 11-10-91 Y-2 Capitol Bancorp, Ltd. Lansing, Michigan Oakland Ccnmeroe Bank Farmington Hills, Michigan (successor to United Savings Bank, FS Farmington Hills, Michigan)* FR - ** N - 11-25-91 Y-l IBC Bancorp, Inc. Chicago, Illinois International Bank of Chicago Chicago, Illinois (in organization)* FR - ** N - ** CoC-HC Green Belt Bancorporation Iowa Falls, Iowa Merle R. Weaver Trust; Steven L. Afdahl; Richard T. Gauck, Larry A. High, Trustees FR - ** N - 11-26-91 F e d e r a l R e se rv e Bank o f C h ic a g o Section III - Applications Subject to Federal Register Notice Only Comment Period Ending Date Type Application Y-4 Union Bancorporation Defiance, Icwa Defiance Insurance Agency, Inc. Defiance, Icwa FR - 11-26-91 4(c)(8) Columbus Bancorp, Inc. Indianapolis, Indiana Flagship Insurance Company Indianapolis, Indiana FR - ** Section IV - Applications Not Subject to Federal Register or Newspaper Notice Type Application None N FR * ** - Newspaper Federal Register Subject to Provisions of Community Reinvestment Act Not available at this time AVAILABILITY OF CKA RJBLEC EVALUATIONS H e following instituticns were examined far CPA. The 30-busiress day period tie bank has to make the evaluation public has lapsed during the week aiding Ndveitoer 15, 1991. BANK Nfil^E/IOGAITCK EXAMENATTCN DATE -American Trust and Savings Bank • 9th and Tbwn Clock Plaza Dubuque, Iowa 52001 8/12/91 -Kelt City State Bark Six tfein Street, P.O. Bax 248 Kent City, Michigan 49330 8/05/91 Federal Reserve Bank of St. Louis FOR THE WEEK ENDING NOVEMBER 15, 1991 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE Application End of Comment Period None. SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE Application End of Comment Period Section 3(a)(3) application by Central Bancompany, Inc., Jefferson City, Missouri to acquire 67 percent of Third Bancshares Corporation, Sedalia, Missouri Not yet available SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE Application End of Comment Period None. SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE Application End of Comment Period None. This application is subject to CRA. Federal Reserve Bank of St. Louis FOR THE WEEK ENDING November 15, 1991 AVAILABILITY OF CRA PUBLIC DISCLOSURES Bank Name First State Bank of St. Peter Bank Address P. 0. Box 127 St. Peter, Illinois Examination Date 8-12-91 FEDERAL RESERVE BANK OF MINNE A P O L I S Section I - Applications Subject Newspaper Notice Only to Comment Period Endincj D a t e Application None. S e c t i o n II - A p p l i c a t i o n s S u b j e c t t o B o t h Newspaper and Federal Register Notice Comment Period Endincr D a t e Application Elkton Holding E l k ton, SD T o a c q u i r e 97% Elkton, SD* Company of Corn 11-27-91 (Federal Register) Exchange Bank, M a r k 0. J o h n s o n To increase his ownership interest from 13.54% to 15.99% of R i c e Lake B ancorp, I n c . , R i c e Lake, WI Norwest Corporation Minneapolis, MN T o a c q u i r e 100% of N o r w e s t Waseca, N . A . , Waseca, MN* Not yet available 12-6-91 (Newspaper) Bank Terry Gerber and Franz Gerber T o a c q u i r e c o n t r o l o f 4 0 % a n d 30%, respectively, of C a m e r o n Bancorp, Inc., Cameron, WI Not yet available A. C l i f f o r d E d w a r d s a n d W a y n e C. Edwards T o e a c h a c q u i r e c o n t r o l of 45.71% of F a r m e r s S t a t e B a n k of Denton, Dent o n , MT Not yet available Farmers State Corporation M o u n t a i n Lake, MN To a c q u i r e 99.1% of J a c k s o n Bank, Jackson, MN* Not yet available * Subject to CRA State FEDERAL RESERVE BANK OF MINNEAPOLIS S e c t i o n II - A p p l i c a t i o n s S u b j e c t to B o t h N e w s p a p e r and Fe d e r a l R e g i s t e r N o t i c e (Continued) Comment Period E n d i n g Dat e Application M c V i l l e F i n a n c i a l Services, Inc. McVille, ND To a c q u i r e 100% of M c V i l l e State B ank McVille, ND* Not yet available Se c t i o n III - A p p l i c a t i o n s S u b j e c t to F ederal R e g i s t e r N o t i c e O n l y Comment Period E n d i n g Dat e Application None. S e c t i o n IV - A p p l i c a t i o n s N o t S u b j e c t to F e d e r a l R e g i s t e r N o t i c e or N e w s p a p e r N o t i c e Application None. * S u b j e c t to CRA F E D E R A L R E S E R V E BANK OF M I N N E A P O L I S S e ction V - A v a i l a b i l i t y of CRA P u blic Ev a l u a t i o n s w e e k e n d i n g N o v e m b e r 15, Bank Name/City/State K a n a b e c St a t e B a n k 124 E a s t M a p l e M o r a , MN 1991 E x a m i n a t i o n Date A u g u s t 26, 1991 Telephone # (612) 679-3131 Federal Reserve Bank o f Kansas City S E C T I O N I - A P P L I C A T I O N S S UBJECT TO N E W S P A P E R N O T I C E O N L Y APPLICATION CO MMENT P E RI O D E N DIN G DA TE None. S E C T I O N II - A P P L I C A T I O N S S U B J E C T T O B OTH N E W S P A P E R A N D FE D E R A L R E G I S T E R N O T I C E APPLICATION COMMENT P E RI O D E N DIN G DATE None. S E C T I O N III - A P P L I C A T I O N S SUBJECT TO F E D E R A L R E G I S T E R N O T I C E ONLY APPLICATION CO MMENT P ER IOD E ND ING DATE None. S E C T I O N IV - A P P L I C A T I O N S NOT SUBJECT TO F E D E R A L R E G I S T E R N O T I C E OR N E W S P A P E R NO T I C E APPLICATION V i l l a g e Corporation, Denver, Colorado, for prior approval to redeem 19 percent of the outstanding capital stock. Not A v a il a b l e S E C T I O N V - A V A I L A B I L I T Y OF C R A PUBLIC E V A L U A T I O N S * BA NK / L O C A T I O N E X A M IN A T I ON DATE C o un tr y Hill Bank 15301 W. 87th St. Lenexa, Kansas 66219 *A p pl i c a t i o n is subject August to CRA. 5, 1991 FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF NOVEMBER 11, 1991 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY APPLICATION NOTICE EXP None. SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE APPLICATION ** NOTICE EXP Change in Control Notice by Maurice E. Moore, Jr., Carrollton, TX, to acquire an interest in City National Bancshares, Inc., Carrollton, TX 11/20/91 Change in Control Notice by Clear Lake National Bank Employee Stock Ownership Plan and Trust, Houston, TX, to acquire an interest in Hometown Bancshares, Inc., Houston, TX 11/15/91 Change in Control Notice by Jerry C. Smith, Azle, TX, to acquire an interest in Azle Bancorp, Azle, TX 11/27/91 SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY APPLICATION NOTICE EXP None. SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE APPLICATION None. SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS FOR THE WEEK OF NOVEMBER 11, 1991 Bank First City, Texas-Corpus Christi P. 0. Box 4666 Corpus Christi, Texas 78469 Van Horn State Bank of Van Horn, Texas P. 0. Box 729 Van Horn, Texas 79855 Date of Examination 08/05/91 08/19/91* * SUBJECT TO CRA. ** EXPIRATION DATE IS THE DATE SPECIFIED IN THE NEWSPAPER NOTICE ONLY. N/A - NOT AVAILABLE AT THIS TIME. FEDERAL RESERVE BANK OF SAN FRANCISCO 91-46 Week ending 11/15/91 Section I - Applications Sub.iect to Newspaper Notice Only Application Comment Period Ending Date Barnes Banking Co., Salt Lake City, Utah, to to establish a branch office at 785 Industrial Drive, Layton, Utah. * Newspaper: 12/07/91 Section II - Applications Sub.iect to Both Newspaper and Federal Register Notice Philippine National Bank, Manila, Philippines, to acquire California Overseas Bank, Los Angeles, California. * Newspaper: Not available Fed. Rea.: Not available Fai Heng Chan, White Rock, British Columbia, Canada, to acquire 100 shares of Class B common stock of American Pacific Bank, Aumsville, Oregon. Newspaper: Not available Fed. Rea.: Not available Melvin T. and Laura L. Bowler, St. George, Utah, to retain 10.23 percent of First Bankshares, Inc., St. George, Utah. Newspaper: Not available Fed. Rea.: Not available Section III - Applications Subject to Federal Register Notice Only None Section IV - Applications Not Subject to Federal Register Notice or Newspaper Notice None FEDERAL RESERVE BANK OF SAN FRANCISCO ( c o n t 'd . . . ) Week ending 11/15/91 Section V - Availability of CRA Public Evaluations Information about a particular institution's CRA evaluation may be obtained directly from the institution. Institution Location Pacific Inland Bank 888 South West Street Suite 100 Anaheim, California 92802 Tel: (714) 535-2210 * Subject to CRA Examination Date 7/29/91
@FedFRASER