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ANNOUNCEMENT BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM H .2, 1996, No. 46 Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received During the Week Ending November 16, 1996 ACTIONS TAKEN B Y THE BOARD OF GOVERNORS BANK HOLDING COMPANIES Bank of Boston Corporation, Boston, Massachusetts -to engage de novo in underwriting and dealing, to a limited extent, in all types of debt and equity securities, and in certain other nonbanking activities through BancBoston Securities, Inc. Approved, November 12, 1996. State Street Boston Corporation, Boston, Massachusetts -- to acquire more than five percent of the voting shares of Global Financial Information Corporation, St, Louis, Missouri. Approved, November 15, 1996. Toronto-Dominion Bank, Toronto, Canada -- request for reconsideration of the Board’s approval of the application and notices to acquire all the voting shares of Waterhouse Investor Services, Inc., New York, New York, and its bank and nonbank subsidiaries, including Waterhouse National Bank, White Plains, New York. Denied, November 13, 1996. Union Planters Corporation, Memphis, Tennessee -request for reconsideration of approval by the Federal Reserve Bank of St. Louis of the application to acquire Financial Bancshares, Inc., St. Louis, Missouri. Denied, November 12, 1996. BANKS. NONMEMBER, AND MISCELLANEOUS INSTITUTIONS Wells Fargo HSBC Trade Bank, N.A., San Francisco, California -- request for exemption from section 23A in order for Trade Bank to acquire assets from certain branches of The Hongkong and Shanghai Banking Corporation, Ltd. Granted, November 14, 1996. INTERNATIONAL OPERATIONS J.P. Morgan & Co. Incorporated, New York, New York -to make an investment in Latas de Aluminio S.A., Rio Janeiro, Brazil. Permitted, November 12, 1996. H.2 NOVEMBER 12, 1996 PAGE 2 TO NOVEMBER 16, 1996 ACTIONS TAKEN BY THE BOARD OF GOVERNORS REGULATIONS AND POLICIES Regulation S -- amendment regarding Treasury exemptions under funds transfer recordkeeping rules (Docket R-0934). Approved, November 14, 1996. SECURITIES REGULATION Joint report on the disclosure of trading and derivatives activities of banks and securities firms worldwide issued by the Basle Committee on Banking Supervision and the Technical Committee of the International Organization of Securities Commissions. Published, November 13, 1996. 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 St. Louis Fifth Third Bank of Kentucky, Inc., Louisville, Kentucky -- to relocate a branch to Mall St. Matthews, 5000 Shelbyville Road, from Dupont Village, 4008 Dutchmans Lane. Approved, November 13, 1996. New York Solvay Bank, Solvay, New York - - t o establish a branch at 4131 West Genesee Street, Camillus, New York. Approved, November 13, 1996. St. Louis Union Bank of Illinois, Swansea, Illinois -- to relocate two branches at 200 Collinsville Avenue and St. Louis Avenue at Eighth Street, East St. Louis, to one branch at 350 River Park Drive, East St. Louis, Missouri. Approved, November 12, 1996. H.2 NOVEMBER 12, 1996 PAGE 3 TO NOVEMBER 16, 1996 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Kansas City ADBANC, Inc., Ogallala, Nebraska -- to acquire The First State Bank, Lodgepole, Nebraska. Approved, November 15, 1996. Kansas City Berco, Inc., Bennington, Kansas -- to acquire up to tO.9 percent of the shares of Front Range Bancshares, Littleton, Colorado. Approved, November 15, 1996. Minneapolis Capitol Bancorporation, Inc., Britton, South Dakota -- to engage de novo in consumer lending activities. Permitted, November 14, 1996. Richmond Century Bancorp, Inc., Thomasville, North Carolina-to acquire Home Savings, Inc., SSB. Approved, November 12, 1996. Richmond City Holding Company, Charleston, West Virginia -- to acquire The Old National Bank of Huntington, Huntington, West Virginia. Approved, November 15, 1996. Cleveland First Financial Corporation, Hamilton, Ohio -- to acquire Hastings Financial Corporation, Hastings, Ohio. Approved, November 14, 1996. Kansas City FirstBank Holding Company of Colorado ESOP, Lakewood, Colorado -- to acquire FirstBank Holding Company of Colorado. Approved, November 15, 1996. Minneapolis Fulda Bancorporation, Inc., Britton, South Dakota -to engage de novo in consumer lending activities. Permitted, November 14, 1996. Minneapolis Glacier Bancorp In., Kalispell, Montana -- to acquire Missoula Bancshares, Inc., Missoula, Montana. Approved, November 13, 1996. San Francisco PLM Newco, L.L.C., Federal Way, Washington -- to acquire First Community Financial Group, Inc., Lacey, Washington. Returned, November 13, 1996. H.2 NOVEMBER 12, 1996 PAGE 9 TO NOVEMBER 16, 1996 ACTION'S TAKEN BY THE STAFF AND THE FEDiF A!. REf^RVE BANKS UNDER DELEGATED AUTHORITY BANK HOLDING COMPANIES Philadelphia Prime Newco Inc.., Philadelphia, Pennsylvania -- to acquire First Sterling Bancorp, Inc., Devon, Pennsylvania, and operate a savings association and engage in community development activities. Approved, November 15, 1996. Secretary State Street Boston Corporation, Boston, Massachusetts -- to acquire Princeton Financial Systems, Inc., Princeton, New Jersey, and engage in data processing activities. Permitted, November 13, 1996. Kansas City TeamBanc, Inc., Paola, Kansas, and TeamBanc, Inc., ESOP -- to acquire Crown Bancshares, Inc., Bellevue, Nebraska, and TeamBanc Acquisition Subsidiary, Inc., to acquire Crown Bancshares, Inc. Approved, November 15, 1996. BANK MERGERS Atlanta Aliant Bank, Alexander City, Alabama -- to merge with Elmore County Bank, Wetumpka, and First Montgomery Bank, Montgomery, Alabama. Approved, November 15, 1996. CHANGE IN BANK CONTROL Dallas Mid-Cities Bancshares, Inc., Hurst, Texas -- change in bank control. Approved, November 13, 1996. Kansas City S.N.B. Bancshares, Inc., Eufaula, Oklahoma -- change in bank control. Permitted, November !<►, 1996. H. 2 NOVEMBER'12, 1996 PAGE 5 TO NOVEMBER 16, 1996 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COMPETITIVE FACTORS REPORTS Kansas City Farmers Bank, Carrollton, Missouri, proposed acquisition of the assets and assumption of the liabilities of the Marshall, Missouri, branch of Mercantile Bank of West Central Missouri, Sedalia, Missouri -- report on competitive factors. Submitted, November 13, 1996. Minneapolis First Security Bank & Trust of Miles City, Miles City, Montana, proposed merger with Worden and Hysham, branches of Stockman Bank of Montana, Billings; First West Bank, Glendive; and Richland Bank & Trust, Sidney, Montana -- report on competitive factors. Submitted, November 13, 1996. St. Louis First State Community Bank, Farmington, Missouri, proposed acquisition of the St. Marys branch of First Financial Bank of Ste. Genevieve County, S t e . Genevieve, Missouri -- report on competitive factors. Submitted, November 13, 1996. Dallas Franklin Federal Bancorp, FSB, Austin, Texas, proposed purchase of the assets and assumption of the liabilities of Norwest Bank Texas, South Central, Victoria, Texas -- report on competitive factors. Submitted, November 15, 1996. St. Louis Mercantile Bank of Willow Springs, Willow Springs, Missouri, proposed merger with Mercantile Bank of Lebanon, Lebanon; Mercantile Bank of Springfield, Springfield; Mercantile Bank of Monett, Monett; and Mercantile Bank of Wright County, Hartsville, Missouri -- report on competitive factors. Submitted, November 13, 1996. Chicago Mutual Savings Bank, Milwaukee, Wisconsin, proposed merger with First Federal Bancshares of Eau Claire, Inc., Eau Claire, Wisconsin -- report on competitive factors. CFDIC application) Submitted, November 12, 1996. H.2 NOVEMBER 12, 1996 PAGE 6 TO NOVEMBER 16, 1996 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COMPETITIVE FACTORS REPORTS Chicago Mutual Savings Bank, Milwaukee, Wisconsin, proposed purchase of the assets and assumption of the liabilities of First Federal Bancshares of Eau Claire, Inc., Eau Claire, Wisconsin -- report on competitive factors. (OTS application) Submitted, November 12, 1996. New York OnBank & Trust Co., Syracuse, New York, proposed merger with OnBank -- report on competitive factors. Submitted, November 13, 1996. Atlanta Regions Bank, Gainesville, Georgia, proposed merger with First Federal Bank of Northwest Georgia, FSB, Cedartown, Georgia -- report on competitive factors. Submitted, November 12, 1996. Dallas Texas Bank, Brownwood, Texas, proposed purchase of the assets and assumption of the liabilities of a branch at 422 West Washington, Stephenville, of Bank of America Texas, N.A., Irving, Texas -report on competitive factors. Submitted, November 15, 1996. San Francisco Western Sierra National Bank, Cameron Park, California, proposed merger with Interim National Bank -- report on competitive factors. Submitted, November 12, 1996. EXTENSIONS OF TIME Dallas Canton Financial Corp., Canton, Texas -- extension to February 27, 1997, to acquire First National Bank of Canton. Granted, November 13, 1996. Richmond First National Bancorp, Inc., St. Marys, West Virginia -- extension to February 14, 1997, to acquire The First National Bank of St. Marys. Granted, November 16, 1996. H.2 NOVEMBER- 12, 1996 PAGE 7 TO NOVEMBER 16, 1996 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY EXTENSIONS OF TIME Richmond Virginia Heartland Bank, Fredericksburg, Virginia -extension to November 15, 1997, to establish a branch at 12115 Andora Drive. Granted, November 15, 1996. San Francisco Wells Fargo & Company, San Francisco, California -extension to February 12, 1997, to expand the geographic scope of issuing and selling variably denominated payment instruments. Granted, November 14, 1996. INTERNATIONAL OPERATIONS Director, BS&R J.P. Morgan & Co. Incorporated, New York, New York -waiver of the remainder of the 45-day notice period to make an investment in Latas de Aluminio S.A., Rio Janeiro, Brazil. Approved, November 12, 1996. St. Louis Bank of Rogers, Rogers, Arkansas -- to become a member of the Federal Reserve System. Approved, November 13, 1996. MEMBERSHIP REGULATIONS AND POLICIES Secrertary FOMC Federal Open Market Committee -- minutes of meeting on September 24, 1996. Published, November 15, 1996. Secretary Regulation Z -- request for comment on proposed revision to the official staff commentary to provide guidance on the treatment of fees on mortgage loans and accuracy in disclosing finance charges and other costs (Docket R-0942). Approved, November 15, 1996. H.2 NOVEMBER 12, 1996 PAGE 8 TO NOVEMBER 16, 1996 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY RESERVE BANK OPERATIONS Director, FRBO Federal Reserve Bank of St. Louis -- to acquire check processing equipment for the Louisville Branch. Approved, November 15, 1996. H.2 NOVEMBER* 12, 1996 PAGE 9 ADDITIONS AND CORRECTIONS TO NOVEMBER 16, 1996 ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS UNDER DELEGATED AUTHORITY COMPETITIVE FACTORS REPORTS Boston First Essex Bank, FSB, Lawrence, Massachusetts, proposed merger with Pelham Bank & Trust Company, Pelham, New Hampshire -- report on competitive factors. Submitted, November 8, 1996. FEDERAL RESERVE BANK OF BOSTON APPLICATIONS Application SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY Comment Period Ending Date Abington Bancorp, Inc., Abington, Massachusetts 3(a)(1) to become a bank holding company through the acquisition of Abington Savings Bank, Abington, Massachusetts* Newspaper 11-29-96 SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE Comment Period Ending Date Application BostonFed Bancorp, Inc., Burlington, Massachusetts 3 (a)(1)/4(c)(8)application to acquire Broadway Capital Corp., Chelsea, MA and to retain Boston Federal Savings Bank, Burlington, Massachusetts* Newspaper 12-19-96 Federal Register Not Yet Established SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY Comment Period Ending Date Application Campello Bancorp, Brockton, Massachusetts - 4 (c)(8) notification to engage in loan servicing pursuant to section 225.25(b)(1) of Regulation Y Federal Register 11-26-96 SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER OR NEWSPAPER NOTICE Application NONE ♦Subject to CRA. ♦♦Rating Definitions: "O" - Outstanding; "S" - Satisfactory; "N" - Needs to Improve; "SN" - Substantial Noncompliance. SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS Institution Examination Date Rating** NONE SECTION VI - CRA EXAMINATIONS SCHEDULED Examinations may have to be rescheduled during the calendar quarter in which they are designated to begin. If an institutions's examination is rescheduled for a date later than the end of the date range reflected in a published schedule, the institution's name will be republished in an appropriate later listing. Any comments received as a result of either the first publication or subsequent publications will be considered during the examination. FIRST QUARTER 1997 State Street Bank and Trust Company, Boston, Massachusetts FEDERAL RESERVE BANK OF NEW YORK C o m m e n t P e r io d E n d i n g D a te S E C T IO N I A p p lic a tio n s S u b je c t to N e w s p a p e r ______ N o tic e O n ly ______ Summit Bank, Hackensack, N ew Jersey, to establish branches at Lanidex Center, Building 300, Parsippany, N ew Jersey, and at Pathmark Supermarkets at 450 Hackensack Avenue, Hackensack; 405 Route 17, Hackensack; 80 N ew Bridge Rd., Bergenfield; 407 Valley St., South Orange; 277 Ferry St., Newark; 2881 Mt. Ephraim Rd., Camden; 989 Church Rd., Cherry Hill; and 100 Schanck Rd., Freehold, all in New Jersey.!/ 12/05/96 The Bank o f N ew York, New York, New York, to establish a branch within the Edwards Super Food Store at 3083 Jericho Tumpike, East Northport, New York. 1/ 12/13/96 S E C T IO N I I A p p lic a tio n s S u b je c t to B o th N e w s p a p e r a n d F e d e r a l R e g is te r N o tic e Marathon Banking Corp., Astoria, New York, to become a bank holding company with respect to Marathon National Bank o f New York, Astoria, New York. \J 12/05/96 3/ Application by U.S. Trust Corp., New York, New York, to retain the shares o f U.S. Trust Co. o f New Jersey, Princeton, New Jersey, after it converts from a limited purpose trust company to an insured bank. \J 12/08/96 3/ S E C T IO N I I I N o n b a n k in g A p p lic a tio n s /s u b je c t to F e d e r a l R e g is te r N o tic e O n ly I None. SECTION IV A p p lic a tio n s N o t In v o lv in g ___ P y b U c C o m m e n t ___ None. S E C T IO N V A v a ila b ility o f C R A P u b lic E v a lu a tio n s In connection with the assessment o f each insured depository institution's CRA performance, a rating is assigned from the following group: Outstanding record o f meeting community credit needs. An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs o f its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record o f 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 o f 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. W e e k E n d i n g N o v e m b e r 1 6 .1 9 9 6 NAM E O F BANK R A T IN G E X A M IN A T IO N D A T E None. S E C T IO N V I C R A E x a m in a tio n s S c h e d u le d to B e g in in F i r s t Q u a r t e r 1 9 9 7 Examinations may have to be rescheduled during the calendar quarter in which they are designated to begin. If an institution's examination is rescheduled for a date later than the end o f the date range reflected in the published schedule, as shown above, the institution's name w ill be republished in an appropriate later listing. Any comments received as a result o f either the first publication or subsequent publications will be considered during the examination. Comments should be sent to the attention of: Ms. Assunta Muglia, Examining Officer, Federal Reserve Bank o f N ew York, 33 Liberty Street, N ew York, N Y 10045. BPD International Bank 152 West 57th Street N ew York, N ew York 10019 The Chase Manhattan Bank 270 Park Avenue N ew York, N ew York 10017 Great Eastern Bank 41-48 Main Street Flushing, N ew York 11355 Solvay Bank 1537 Milton Avenue Solvay, N ew York 13209 1/ Subject to provisions o f Community Reinvestment Act. 2/ Later o f dates specified in newspaper and Federal Register notices. 2/ 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 FEDERAL RESERVE BANK OF PHILADELPHIA SECTION I - APPLICATIONS RECEIVED A ND SUBJECT TO N EW SPAPER NOTICE ONLY Dauphin Deposit Bank. Harrisburg, PA to establish a branch office to be located at 1355 East Lehman Street, Lebanon, PA. Newspaper com m ent period expires: 11/23/96 SECTION II - APPLICATIONS RECEIVED AND SUBJECT TO BO TH N EW SPAPER AND FEDERAL REGISTER NOTICE NONE SECTION III - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL REG ISTER NOTICE ONLY NONE S ECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL REGISTER NOTICE O R N EW SPAPER NONE FEDERAL RESERVE BANK OF PHILADELPHIA S E C T I O N V - A V A IL A B IL I T Y O F C R A P U B L I C E V A L U A T IO N S 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 November 15, 1996. I d e n tif ic a tio n o f R a tin g s In connection with the assessment o f each insured depository institution's CRA performance, a rating is assigned from the following groups: O u t s t a n d i n g r e c o r d o f m e e tin g c o m m u n ity c r e d it n e e d s . 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. S a tis f a c to r y r e c o r d o f m e e tin g c o m m u n ity c r e d it n e e d s . 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. N e e d s to im p ro v e r e c o r d o f m e e tin g c o m m u n ity c r e d i t n e e d s . 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. S u b s ta n t ia l n o n c o m p lia n c e in m e e tin g c o m m u n ity c r e d it n e e d s . 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. B a n k /L o c a tio n E x a m in a tio n D a te C R A R a tin g Miners Bank o f Lykens 550 Main Street Lykens, PA 17048 07/01/96 Satisfactory FEDERAL RESERVE BANK OF PHILADELPHIA SECTION VI - CRA EXAM SCH EDULE (January 1.1997 to March 31.1997) "Examinations may have to be rescheduled during the calendar quarter in which they are designated to begin. If an institution's examination is rescheduled for a date later than the end of the date range reflected in a published schedule, the institution's name will be republished in an appropriate later listing. Any comments received as a result of either the first publication or subsequent publications will be considered during the examination." Farmers Trust Bank 817 Cumberland Street Lebanon, PA 17042 Community Bank & Trust 521 Main Street Forest City, PA 18421 Johnstown Bank & Trust 532-534 Main Street Johnstown, PA 15901 First Sterling Bank 80 West Lancaster Avenue Devon, PA 19333 United Bank of Philadelphia 714 Market Street Philadelphia, PA 19106 Berks County Bank 400 Washington Street Reading, PA 19601 Pennsylvania State Bank 2148 Market Street Camp Hill, PA 17011 APPLICATIONS BULLETIN (For the week ending Novem ber 16, 1996) SECTION I - APPLICATIONS SUBJECT TO NEW SPAPER NOTICE ONLY NONE SECTION II - APPLICATIONS SUBJECT TO BOTH NEW SPAPER AND FEDERAL REGISTER NOTICE NONE SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY Received notice from Mid Am, Inc., Bowling Green, OH on November 12, 1996, to acquire Mid Am Private Trust, N .A ., Cincinnati, OH and engage in permissible trust activities. December 4, 1996 SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEW SPAPER NOTICE Application filed by National City Bank, Cleveland, OH received on November 15, 1996, for permission to relocate its off-shore branch designation form the Bahamas to Grand Cayman, British West Indies. Application filed by National City Bank o f Indiana, Indianapolis, IN received on November 15, 1996, for permission to relocate its off-shore branch designation form the Bahamas to Grand Cayman, British West Indies.* * - Subject to CRA N - Newspaper Comment Period F - Federal Register Comment Period # - Expected to End 30 Days from Date o f Receipt AVAILABILITY O F C RA PUBLIC E V ALU A TIO N S (November 15, 1996) The following state member banks have been examined by the Federal Reserve Bank o f Cleveland for compliance with The Community Reinvestment Act. A public evaluation document became available from the bank(s) listed below during the week ended November 15, 1996. If you are interested in obtaining a copy o f 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 o f its entire delineated community, including low - and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. SATISFACTO RY: a bank 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. N E E D S TO IM PROVE: a bank 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 NON COMPLIANCE: a bank 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. NONE Federal Reserve Bank of Richmond S e ctio n I - A p p li c a t i o n s Notice S u b ject to N e w sp a p e r Only Application Comment. Period Ending. Date The Bank o f T i d e w a t e r , V i r g i n i a B e a c h , V i r g i n i a , to e s t a b l i s h a branch a t 2 2 5 1 West G r e a t N e ck Road, V i r g i n i a Beach, V i r g i n i a . * 12 -7-9 6 Section XL.- Applications Subject to Both Newspaper: and-...EetieraL.Regist.er Notice Application Comment P e r i o d E n d in g D a t e None. S e c tio n III - A p p lic a tio n s S u b ject to Federal Application R e g iste r N o tice Comment Period Ending Pate C r e s t a r Financial C o r p o r a t i o n , Richmond, V i r g i n i a ; F i r s t U n io n C o r p o r a t i o n and N a t i o n s Bank C o r p o r a t i o n , C h a r l o t t e , N o r t h C a r o l i n a ; So uth ern N a tio n a l C o r p o r a t i o n and W a c h o v ia C o r p o r a t i o n , W in sto n -Sa lem , N orth C a r o l i n a ; an d B a r n e t t B a n k s, I n c . , J a c k s o n v i l l e , F l o r i d a , t o c o n t r o l o v e r 5% o f S o u t h e a s t S w i t c h , I n c . , M a i t l a n d , F l o r i d a , a f t e r i t s m e r g e r w i t h A la bam a N e tw o r k , In c ., Birm ingham , A la b a m a . 12 -3 -9 6 ** S e c t i o n IV - A p p l i c a t i o n Not S u b j e c t t o F e d e r a l R e g i s t e r N o t i c e o r N e w sp ap er N o t i c e Application None. ♦ A p p l i c a t i o n i s s u b j e c t t o CRA r e q u i r e m e n t s . ♦ ♦ E x p ir a tio n o f comment p e r i o d s p e c i f i e d i n t h e Federal R e g iste r. Federal Reserve Bank of Richmond S e c tio n V - A v a i l a b i l i t y of CRA P u b l i c Week e n d i n g November 1 5 , D e fin itio n of E v a lu a tio n s 1996 R atin g s O u t s t a n d i n g r e c o r d o f m e e t i n g com m unity c r e d i t needs. An i n s t i t u t i o n i n t h i s g r o u p h a s an o u t s t a n d i n g r e c o r d o f , an d i s a l e a d e r a s c e r t a i n i n g and h e l p i n g t o m eet t h e c r e d i t n e e d s o f i t s e n t i r e d e l i n e a t e d com m unity, i n c l u d i n g l o w - and m o d e r a t e - i n c o m e n e i g h b o r h o o d s , s i s t e n t w i t h i t s r e s o u r c e s an d c a p a b i l i t i e s . S a tisfa c to ry r e c o r d o f m e e t i n g com m unity c r e d i t in in , a manner c o n needs. An i n s t i t u t i o n i n t h i s g r o u p h a s a s a t i s f a c t o r y r e c o r d o f a s c e r t a i n i n g and h e l p i n g t o m eet t h e c r e d i t n e e d s o f i t s e n t i r e d e l i n e a t e d c o m m unity, i n c l u d i n g lo w - an d m o d e r a t e - i n c o m e n e i g h b o r h o o d s , i n a manner c o n s i s t e n t w i t h i t s r e s o u r c e s and c a p a b i l i t i e s . N e eds t o im p r o v e r e c o r d o f m e e t i n g com m unity c r e d i t n e e d s . An i n s t i t u t i o n i n t h i s g r o u p n e e d s t o i m p r o v e i t s o v e r a l l r e c o r d o f a s c e r t a i n i n g and h e l p i n g t o m eet t h e c r e d i t n e e d s o f i t s e n t i r e d e l i n e a t e d com m unity, co n siste n t S u b sta n tia l i n c l u d i n g lo w - and m o d e r a t e - i n c o m e n e i g h b o r h o o d s , w i t h i t s r e s o u r c e s and c a p a b i l i t i e s . n o n com p lian ce An i n s t i t u t i o n in th is in m eetin g group has com m unity c r e d i t a su b sta n tia lly in a manner needs. d e ficie n t record of ascer t a i n i n g and h e l p i n g t o m eet t h e c r e d i t n e e d s o f i t s e n t i r e d e l i n e a t e d com m unity, i n c l u d i n g l o w - and m o d e r a t e - income n e i g h b o r h o o d s , i n a manner c o n s i s t e n t w i t h i t s r e s o u r c e s an d c a p a b i l i t i e s . Exam in ation ____ D a t e Eating F i r s t V i r g i n i a Bank - S o u t h H i l l 111 East D a n v ille S tr e e t South H i l l , V i r g i n i a 239 70 -2 611 7-2 2 -9 6 S a tisfa c to r y F i r s t V i r g i n i a B an k-South w est 6625 W i l l i a m s o n Road, N.W. R oano ke, V i r g i n i a 2 4 0 19-4631 8 -12-9 6 S a tisfa c to r y F i r s t V i r g i n i a Bank - Commonwealth 4360 G e o r g e W a s h i n g to n M em oria l H igh w ay G ra fto n , V i r g i n i a 2 36 9 2-2 70 7 8 -12-9 6 S a tisfa c to r y Federal Reserve Bank of Richmond S e c t io n VI - CRA E x a m i n a t i o n s S ch ed uled f o r F irst Q uarter, o f 1927 E x a m i n a t i o n s may h a v e t o be r e s c h e d u l e d d u r i n g t h e c a l e n d a r q u a r t e r i n w h ic h th ey are d e sig n a te d to b e gin . I f an i n s t i t u t i o n ’ s e x a m i n a t i o n i s r e s c h e d u l e d f o r a d a t e l a t e r t h a n t h e end o f t h e d a t e r a n g e r e f l e c t e d i n p u b l i s h e d s c h e d u l e , t h e i n s t i t u t i o n ’ s name w i l l b e r e p u b l i s h e d i n an a p p r o p r i a t e l a t e r listin g . An y comments r e c e i v e d a s a r e s u l t o f e i t h e r t h e f i r s t p u b l i c a t i o n o r s u b s e q u e n t p u b l i c a t i o n s w i l l be c o n s i d e r e d d u r i n g t h e e x a m i n a t i o n . O ld N o rth S t a t e Bank, W in sto n -S a lem , N orth C a r o lin a Greenwood Bank & T r u s t , G re en w ee d , S o u t h C a r o l i n a J o h n s o n v i l l e S t a t e Bank, J o h n s o n v i l l e , S o u t h C a r o l i n a Bank o f N o r t h e r n V i r g i n i a , A r l i n g t o n , V i r g i n i a F & M B a n k -C e n tra l, C h a r l o t t e s v i l l e , V i r g i n i a V i r g i n i a Bank and T r u s t Company, D a n v i l l e , V i r g i n i a F & M B an k-M assanu tten , H arriso n b u rg , V i r g i n i a Bank o f N o r t h u m b e r la n d , I n c o r p o r a t e d , H e a t h s v i l l e , Benchmark Community Bank, K e n b r i d g e , V i r g i n i a V i r g i n i a Community Bank, L o u i s a , V i r g i n i a C o u n t y Bank o f C h e s t e r f i e l d , M i d l o t h i a n , V i r g i n i a R e g e n c y Bank, Richmond, V i r g i n i a Bank o f I s l e o f W i g h t, S m i t h f i e l d , V i r g i n i a Bank o f E s s e x , T a p p a h a n n o c k , V i r g i n i a P r i n c e s s Anne Bank, V i r g i n i a B e a c h , V i r g i n i a F & M B a n k - P e o p l e s , W a rre n to n , V i r g i n i a B r u c e t o n Bank, B r u c e t o n M i l l s , West V i r g i n i a B a r b o u r C o u n t y Bank, P h i l i p p i , West V i r g i n i a Bank o f R i p l e y , R i p l e y , West V i r g i n i a Bank o f Romney, Romney, V irgin ia West V i r g i n i a Bank of Monroe, Union, West Virginia Bank o f W h ite S u lp h u r S p r i n g s , West V i r g i n i a W h ite Su lph u r S p r in g s , Federal Reserve Bank of Atlanta Applications Bulletin for Week Ending November 15. 1996 S ectio n 1 - A p p lic a tio n s S u bject t o N ew spaper N o t i c e A p p lic a tio n O n ly Comment P e r i o d E n d in g D a te None. S e c t i o n 2 - A p p l i c a t i o n s S u b j e c t t o B o th Newspaper and F e d e r a l R e g i s t e r N o t i c e A p p l i c a t i on Comment P e r i o d E n d in g D a te E a s t C o a s t Bank C o r p o r a t i o n Em ployee S t o c k O w n ersh ip P l a n T r u s t Ormond B e ac h , F l o r i d a 1-BHC f o r m a t i o n , t o a c q u i r e 40 p e r c e n t Beach, F l o r i d a . 12 -0 9 -9 6 * Federal R e g iste r of East Coast Bank C o rp oratio n , Ormond ABC Ban co rp 12 -0 6 -9 6 * M o u ltr ie , G e o rgia Newspaper To merge w i t h M&F F i n a n c i a l C o r p o r a t i o n , D o n a l s o n v i l l e , G e o r g i a , and t h e r e b y d i r e c t l y a c q u i r e M e r c h a n ts & Farmers Bank, D o n a l s o n v i l l e , G e o r g i a , p u r s u a n t t o S e c t i o n 3 ( a ) (5) o f t h e Bank H o l d i n g Company A c t . P e o p l e s B a n c o rp , I n c . C a r r o l l t o n , G e o r g ia 1-BHC f o r m a t i o n , P e o p l e s Bank o f West G e o r g i a , C a rro llto n , 12 -0 9 -9 6 * Federal R e g iste r G e o r g ia . A m e r ic a n C i t y Ban co rp Not y e t a v a i l a b l e * T u lla h o m a , T e n n e s s e e A f t e r - t h e - f a c t ch a n g e i n c o n t r o l b y t h e Employee S t o c k O w n ersh ip P l a n o f A m er ic a n C i t y B a n c o rp , I n c . , T u lla h o m a , T e n n e s s e e ( B a n c o r p ), t o r e t a i n 24 . 9 8 p e r c e n t o f t h e o u t s t a n d i n g s h a r e s o f B a n c o rp . S ectio n 3 - A p p lica tio n s A p p lica tio n S u b ject to Federal R egister Comment P e r i o d E n d in g D a te None. S e c t i o n 4 - A p p l i c a t i o n s Not S u b j e c t t o F e d e r a l R e g i s t e r N o t i c e o r New spaper N o t i c e A p p lic a tio n N orth F u lto n B an csh ares, In c. R o sw e ll, G e o rgia Commitment w a i v e r r e q u e s t . ♦ Subject t o p r o v i s i o n s O n ly of the Community R e i n v e s t m e n t A c t . F e d e r a l R e s e r v e B a n k of A t l a n t a A p p l i c a t i o n s B u l l e t i n f o r W e e k E n d i n g N o v e m b e r 15. 1996 Section 6 - CRA Examinations Scheduled for First Quarter of 1997 Examinations may have to be rescheduled during the calendar quarter in which they are designated to begin. If an institution's examination is rescheduled for a date later than the end of the date range reflected in a published schedule, the institution's name will be republished in an appropriate later listing. Any comments received as a result of either the first publication or subsequent publications will be considered during the examination. The Brand Banking Company, Lawrenceville, Georgia The Blackshear Bank, Blackshear, Georgia Community Bank of Islands, Sanibel, Florida Barnett Bank of Southwest Georgia, Columbus, Georgia Commercial Bank of Florida, Miami, Florida Friendship Community Bank, Ocala, Florida Intervest Bank, Clearwater, Florida Independent Bankers Bank, Orlando, Florida SunTrust/Tampa Bay, Tampa, Florida Southern Security Bank of Hollywood, Hollywood, Florida Gulf Bank, Miami, Florida First Western Bank, Cooper City, Florida United American Bank, Orlando, Florida Peoples Savings Bank, Clanton, Alabama Merchants Bank, Vicksburg, Mississippi The Home Bank, Guntersville, Alabama United Bank & Trust Company, St. Petersburg, Florida Monroe County Bank, Monroeville , Alabama Elmore County Bank, Wetumpka, Alabama First Montgomery Bank, Montgomery, Alabama Equitable Bank, North Miami Beach, Florida Citizens Trust Bank, Atlanta, Georgia First Navy Bank, Pensacola, Florida Independent Bank, Ocala, Florida Coconut Grove Bank, Miami, Florida Republic Security Bank, West Palm Beach, Florida Federal Re.sex. Yg..Bank of.Atlanta Ap p l i c a t i o n ^ Bel i e f i ll-fa r ..JHfifik . E n d in g Ngv emfrer. 15 , 199$ 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 moderateincome neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record of meeting community credit needs: An institution has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Needs to improve record of meeting community credit needs: An institution needs to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including lowand moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Substantial noncompliance in meeting community credit needs: An institution has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Bank CRA Rating Bank Independent Drawer B Sheffield, Alabama 35660 (205)386-5000 Outstanding Examination Date 08-05-96 F e d e r a l R e s e r v e B a n k of A t l a n t a A p p l i c a t i o n s B u l l e t i n f o r W e e k E n d i n g N o v e m b e r 15, Recentlv Aonroved Anolications 1996 Approval Date Aliant Bank 11-15-96 Alexander City, Alabama To merge with Elmore County Bank, Wetumpka, Alabama, pursuant to Section 18 (c) of the Federal Deposit Insurance Act. Aliant Bank Alexander City, Alabama To merge with First Montgomery Bank, Montgomery, 18(c) of the Federal Deposit Insurance Act. 11-15-96 Alabama, pursuant to Section Federal Reserve Bank of Chicago Section I - Applications Subject to Newspaper Notice Only Comment Period Ending Date Type Application Branch Lake Forest Bank & Trust Company Lake Forest, Illinois 911 Sonth Telegraph Road Lake Forest, Illinois NP - 12-5-96 Branch First American Bank Carpentersville, Illinois 80 Stratford, Square Bloomingdale, Illinois NP - 12-4-96 Branch First American Bank Carpentersville, Illinois 33 South Rand Road Lake Zurich, Illinois NP - 12-4-96 3(a)(1) Notice St. Cloud Bancshares, Inc. St. Cloud, Wisconsin State Bank of St. Cloud St. Cloud, Illinois NP - ** NP - Newspaper FR - Federal Register * - Subject to Provisions o f Community Reinvestment Act ** - Not available at this time Federal Reserve Bank of Chicago Section II - Applications Subject to Both Newspaper and Federal Register Notice Cont’d Comment Period Ending Date Type Application 3(a)(3) Salin Bancshares, Inc.* Indianapolis, Indiana Columbus Bancorp, Inc. Indianapolis, Indiana Columbus Bank and Trust Company Columbus, Indiana F R - 11-1-96 NP - 11-22-96 3(a)(1) New Asia Bancorp* Chicago, Illinois NAB Bank Chicago, Illinois FR - 11-29-96 NP - 10-21-96 3(a)(3) Pontiac Bancorp, Inc.* Pontiac, Illinois Bank of Dwight Dwight, Illinois FR - 11-29-96 NP - 11-25-96 3(a)(1) Sun Community Bancorp, Ltd.* Tucson, Arizona Bank o f Tucson Tucson, Arizona PR . ** N P .. ** 3(a)(1) AmeriMark Financial Corporation. * Oak Brook, Illinois Duco Bancshares, Inc. Villa Park, Illinois Bank o f Illinois in DuPage Villa Park, Illinois PR . ** NP _ ** 3(a)(1) Barker Brothers, Inc.* Springfield, Illinois Middletown Bancorp, Inc. Middletown, Illinois Middletown State Bank Middletown , Illinois Latham Bancorp, Inc. Latham, Illinois State Bank of Latham Latham, Illinois FR - 12-13-96 NP - ** Federal Reserve Bank of Chicago Section II - Applications Subject to Both Newspaper and Federal Register Notice Cont’d Comment Period Ending Date Type Application 3(a)(3) Wintrust Financial Corporation* Wilmette, Illinois Barrington Bank & Trust Company, National Association Barrington, Illinois (in organization) F R - 11-29-96 N P - 11-25-96 3(a)(5) F & M Bancorporation, Inc.* Kaukauna, Wisconsin East Troy Bancshares, Inc. East Troy, Wisconsin State Bank of East Troy East Troy, Wisconsin FR - 11-12-96 NP - 11-11-96 CoC-HC Whitmore Company, Inc. Corning, Iowa By Kenneth Whitmore & James Whitmore FR - 11-14-96 NP - 11-6-96 CoC-HC MW A Bancorporation Estherville, Iowa By Greg J. Currell FR - 12-03-96 NP - ** 3(a)(3) FBOP Corporation* Oak Park, Illinois SDNB Financial Corp. San Diego, California San Diego National Bank San Diego, California FR - 11-18-96 NP - 11-22-96 3(a)(1) Pineries Bankshares, Inc.* Stevens Point, Wisconsin Mattoon State Bank Mattoon, Wisconsin PR . ** NP - ** Federal Reserve Bank of Chicago Section II - Applications Subject to Both Newspaper and Federal Register Notice Cont’d Comment Period Ending Date Type Application 3(a)(1) Liberty Financial Corporation’ West Des Moines, Iowa L.B.T. Bancorporation West Des Moines, Iowa Liberty Bank and Trust Lake Mills, Iowa B and K Bancorporation West Des Moines, Iowa Liberty Bank & Trust Bloomfield, Iowa Winnebago County Bancorporation West Des Moines, Iowa Liberty Bank and Trust Forest City, Iowa First Liberty Bancorp West Des Moines, Iowa Liberty Bank and Trust Mason City, Iowa BW3 Bancorporation West Des Moines, Iowa Liberty Bank and Trust Company, N .A . Pocahantas, Iowa I.S.B. Bancorporation, Inc. West Des Moines, Iowa Liberty Bank and Trust Woodbine, Iowa A.B.C. Bancorporation Tucson, Arizona Liberty Bank and Trust Tucson, Arizona F R - 11-8-96 N P - 11-12-96 3(a)(3) Columbus Bancorp, Inc.* Indianapolis, Indiana Salin Bank and Trust Company Indianapolis, Indiana FR - 11-1-96 NP - 11-22-96 Federal Reserve Bank of Chicago Section II - Applications Subject to Both Newspaper and Federal Register Notice Cont’d Type Application 3(a)(3) F & M Bancorporation, Inc.* Kaukauna, Wisconsin Green County Bank Brodhead, Wisconsin 3(a)(1) Two Rivers Bank Holding Company* Rock Valley, Iowa Rock Valley State Bank Rock Valley, Iowa (in organization) Ending Date FR - 11-18-96 NP - 11-18-96 FR - 11-29-96 NP - * * 3(a)(3) Panhandle Aviation, Inc.* Carinda, Iowa National Bank of Iowa Danison, Iowa FR - 12-03-96 NP -** 3(a)(1) Mound City Financial Services, Inc.* Platteville, Wisconsin Mound City Bank Platteville, Wisconsin FR - 12-06-96 NP -** 3(a)(1) Independent Bancorp., Limited* Little Chute, Wisconsin Bank of Little Chute Little Chute, Wisconsin FR - 12-09-96 NP - 12-05-96 3(a)(5) Associated Banc-Corp.* Green Bay, Wisconsin Centra Financial, Inc. West Allis, Wisconsin Central Bank West Allis, Wisconsin PR _ * * NP - ** Federal Reserve Bank of Chicago Section ITT - Applications Subject to Federal Register Notice Only cont’d Comment Period Ending Date Type Application 4(c)(8) AmeriMark Financial Corporation Oak Brook, Illinois Banill Corporation Villa Park, Illinois PR _ ** 4(c)(8) Liberty Financial Corporation West Des Moines, Iowa Liberty Leasing Company West Des Moines, Iowa F R - 11-8-96 4(c)(8) Liberty Financial Corporation West Des Moines, Iowa Liberty Mortgage Company West Des Moines, Iowa F R - 11-8-96 4(c)(8) Liberty Financial Corporation West Des Moines, Iowa L.S.B. Bancorp Johnston, Iowa FR - 11-8-96 4(c)(8) Liberty Financial Corporation West Des Moines, Iowa Liberty Loan Store, Inc. West Des Moines, Iowa FR - 11-8-96 Federal Reserve Bank of Chicago Section IV - Applications Not Subject to Federal Register or Newspaper Notice Type None Application Federal Reserve Bank o f Chicago Section V - Availability o f CRA Public Evaluations The following state member banks have been examined by the Federal Reserve Bank o f 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 November 15, 1996. If you are interested in obtaining a copy o f the evaluation document, please contact the bank(s) directly. Identification of Ratings O- An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs o f 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 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. NI - An institution in this group has a 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. SN - An institution in this group has a substantial noncompliance 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 capabilies. BANK NAME/LOCATION EXAMINATION DATE RATINGS State Bank o f Everly 301 Main Street Everly, Iowa 51338-0149 (712) 834-2221 8/12/96 O Peoples State Bank o f Mansfield One Jefferson Mansfield, Illinois 61854-0579 (217) 489-2271 8/12/96 S First American Bank 702 Main Street Jewell, Iowa 50130-0280 (515) 955-0662 8/12/96 S Federal Reserve Bank of Chicago Section VI - CRA Examinations Scheduled The following state member banks are tentatively scheduled for a CRA examination during the first quarter of 1997. Examinations my have to be rescheduled during the calendar quarter in which they are designated to begin. If an institution’s examination is scheduled for a date later than the end of the date range reflected in a published schedule, the institution’s name will be republished in an appropriate later listing. Any comments received as a result of either the first publication or subsequent publications will be considered during the examination. 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21. 22. 23. 24. 25. 26. 27. 28. 29. 30. 31. 32. 33. 34. 35. 36. 37. 38. 39. 40. 41. 42. 43. M&I Bank of Shawano M&I First American Bank M&I Central Bank & Trust M&I Bank South Central First American Bank M&I Lake Country Bank M&I Bank of Racine First American Bank M&I Northern Bank M&I Bank of Menomonee Falls M&I Bank of Janesville Farmers & Merchants Bank, The Comerica Bank Hinsbrook Bank and Trust Isabella Bank and Trust Pullman Bank and Trust Company Liberty Bank Farmers Savings Bank First Bank of Berne First Bank South Camp Grove State Bank Villa Grove State Bank Pullman Bank of Commerce & Industry First American Bank of Kankakee Midwest Guaranty Bank F&M Bank Northeast Amcore Bank Aledo M&I Central State Bank LaSalle Bank Illinois Fairmount State Bank, The LaSalle Bank Illinois Home Trust and Savings Bank, The Baylake Bank Blissfield State Bank, The Bank of Oakfield Markesan State Bank First Commercial Bank, The M&I Bank Northeast Capac State Bank Chemical Bank Michigan Bank of Lakeview Bank of America - Illinois Bank One Champaign-Urbana Shawano, Wisconsin Wausau, Wisconsin Marshfield, Wisconsin Watertown, Wisconsin Carpentersville, Illinois Hartland, Wisconsin Racine, Wisconsin Joliet, Illinois Brookfield, Wisconsin Menomonee Falls, Wisconsin Janesville, Wisconsin Berlin, Wisconsin Detroit, Michigan Willowbrook, Illinois Mount Pleasant, Michigan Chicago, Illinois Milwaukee, Wisconsin Kalona, Iowa Berne, Indiana Dixon, Illinois Camp Grove, Illinois Villa Grove, Illinois Chicago, Illinois Kankakee, Illinois Troy, Michigan Pulaski, Wisconsin Aledo, Illinois Oshkosh, Wisconsin LaSalle, Illinois Fairmount, Indiana Franklin Park, Illinois Osage, Iowa Baylake, Wisconsin Blissfield, Michigan Oakfield, Wisconsin Markesan, Wisconsin Chicago, Illinois Green Bay, Wisconsin Capac, Michigan Clare, Michigan Lakeview, Michigan Chicago, Illinois Champaign, Illinois 44. 45. 46. 47. 48. 49. 50. 51. 52. 53. 54. 55. 56. 57. 58. 59. 60: Evergreen State Bank Bank One Springfield Bank One Antigo Farmers& Merchants Bank of Orfordville Eastern Michigan Bank Bankers Trust Company G.W. Jones Exchange Bank Security State Bank Farmers State Bank of Breckenridge First State Bank of Maple Park Security Savings Bank Bartonville Bank M&I Bank of Burlington First Farmers Bank & Trust Co. Parish Bank & Trust Company First Community Bank Fort Madison Bank & Trust Co. PoySippi, Wisconsin Springfield, Illinois Antigo, Wisconsin Orfordville, Wisconsin Croswell, Michigan Des Moines, Iowa Marcellus, Michigan New Hampton, Iowa Breckenridge, Michigan Maple Park, Illinois Eagle Grove, Iowa Bartonville, Illinois Burlington, Wisconsin Converse, Indiana Momence, Illinois Harbor Springs, Michigan Fort Madison, Iowa Federal R eserve Bank o f St. Louis FOR THE WEEK ENDING NOVEM BER 15, 1996 SECTION I - APPLICATIONS SUBJECT TO NEW SPAPER NOTICE Application End o f Comment Period * Section 9 application by The Fifth Third Bank o f Kentucky, Inc., Louisville, Kentucky, to relocate a branch from Dupont Village, 4008 Dutchmans Lane, Louisville, Kentucky, to Mall St. Matthews, 5000 Shelbyville Road, Louisville, Kentucky. 11-9-96 * Section 9 application by The Citizens Bank, Batesville, Arkansas, to establish a branch at Blackland Road, Pleasant Plains, Arkansas. 11- 20-96 * Section 3(a)(1) notification by Omni Financial Corporation, Pontoon Beach, Illinois, to acquire Omni Bank, Pontoon Beach, Illinois. 12- 3-96 * Section 9 membership application by Pinnacle Bank, Little Rock, Arkansas, a proposed de novo bank. 12-9-96 SECTION II - APPLICATIONS SUBJECT TO BOTH NEW SPAPER AND FEDERAL REGISTER NOTICE Application End o f Comment Period * Section 3(a)(1) application by Pinnacle Bancshares, Inc., Little Rock, Arkansas, to acquire Pinnacle Bank, Little Rock, Arkansas, a proposed de novo state member bank. Newspaper: 12-9-96 SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE Application End o f Comment Period None. SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEW SPAPER NOTICE Application None. * * This application/notification is subject to CRA. End o f Comment Period FED ER AL R ESERV E BANK O F ST . LOUIS St. Louis, Missouri AVAILABILITY O F C R A PUBLIC DISCLOSURES Identification of Ratings: Outstanding record of meeting community credit needs A n in s t it u t io n in th is g r o u p h a s a n o u t s t a n d in g r e c o r d o f, a n d is a le a d e r in , a s c e r t a in in g a n d h e lp in g to m e e t th e c r e d it n e e d s o f it s e n tir e d e li n e a t e d c o m m u n it y , in c lu d in g l o w - a n d m o d e r a t e - in c o m e n e ig h b o r h o o d s , in a m a n n e r c o n s is t e n t w i t h it s re s o u r c e s a n d c a p a b ilitie s . Satisfactory record of meeting community credit needs A n in s titu tio n in th is g ro u p h a s a s a t is f a c t o r y r e c o r d o f a s c e r t a in in g a n d h e lp in g to m e e t t h e c r e d it n e e d s o f its e n tir e d e lin e a t e d c o m m u n ity , in c lu d in g lo w - a n d m o d e r a t e - in c o m e n e ig h b o r h o o d s , in a m a n n e r c o n s is t e n t w it h it s r e s o u r c e s a n d c a p a b ilitie s . Needs to improve record of meeting community credit needs A n in s t it u t io n in th is g r o u p n e e d s to im p r o v e it s o v e r a ll r e c o r d o f a s c e r t a in in g a n d h e lp in g to m e e t th e c r e d it n e e d s o f it s e n t ir e d e li n e a t e d c o m m u n it y , in c lu d in g l o w - a n d m o d e r a t e - in c o m e n e ig h b o r h o o d s , in a m a n n e r c o n s is t e n t w i t h it s r e s o u r c e s a n d c a p a b ilitie s . Substantial noncompliance in meeting community credit needs A n in s t it u t io n in th is g r o u p h a s a s u b s t a n t ia lly d e f ic i e n t r e c o r d o f a s c e r t a in in g a n d h e lp in g to m e e t th e c r e d it n e e d s o f it s e n t ir e d e li n e a t e d c o m m u n it y , in c lu d in g l o w - a n d m o d e r a t e - in c o m e n e ig h b o r h o o d s , in a m a n n e r c o n s is t e n t w i t h it s r e s o u r c e s a n d c a p a b ilitie s . FOR THE WEEK ENDING November 1 5 , Name of Bank C h a rter S ta te Bank Beebe, 1996 Bank Address Examination Date Examination Rating Arkansas 7/22/96 S a tisfa c to ry ; SECTION VI - CRA EXAMINATIONS SCHEDULED Examinations may have to be rescheduled during the calendar quarter in which they are designated to begin. If an institution’s examination is rescheduled for a date later than the end o f the date range reflected in a published schedule, the institution’s name w ill be republished in an appropriate later listing. Any comments received as a result o f either the first publication or subsequent publications w ill be considered during the examination. First Community Bank, Conway, Ar. First State Bank o f DeQueen, DeQueen, Ar. First Bank o f Arkansas, Jonesboro, Ar. Pulaski Bank & Trust Company, Little Rock, Ar. Effingham State Bank, Effingham, II. First State Bank o f Red Bud, Red Bud, II. Union Bank o f Illinois, Swansea, II. English State Bank, English, In. Banker’s Bank o f Kentucky, Frankfort, Ky. Bank o f Altenburg, Altenburg, Mo. Truman Bank, Clayton, Mo. Lemay Bank and Trust Company, Lemay, Mo. Bank o f Louisiana, Louisiana, Mo. City Bank and Trust Company o f Moberly, Moberly, Mo. Bank o f Ste. Genevieve, Ste. Genevieve, Mo. FEDERAL RESERVE BANK OF MINNEAPOLIS Section I - Applications Subject to Newspaper Notice Only Comment Period Ending Date Application NONE. FEDERAL RESERVE BANK OF MINNEAPOLIS Section II - Applications Subject to Both Newspaper and Federal Register Notice Comment Period Ending Date Application The Oskey Limited Partnership, Mesa, Arizona, for prior approval to become a bank holding company through the acquisition of 90% of the voting shares of Glenwood Bancshares, Inc., Glenwood, Wisconsin, and 84.5% of the voting shares of Hiawatha Bancshares, Inc., Hager City, Wisconsin. * December 13, 1996 (Federal Register) Walker Ban Co., Walker, Minnesota, for prior approval to acquire 100% of the voting shares of the Pequot Area Bancorporation, Inc., Pequot Lakes, Minnesota. * Not yet available Michael and Cindy Schneider to acquire control of 100% of the voting shares of Elkton Bancshares, Inc., Elkton, Minnesota. Not yet available * Subject to CRA FEDERAL RESERVE BANK OF MINNEAPOLIS Section III - Applications Subject to Federal Register Notice Only Comment Period Ending Date Application NONE. FEDERAL RESERVE BANK OF MINNEAPOLIS Section IV - Applications Not Subject to Federal Register Notice or Newspaper Notice Application First PREMIER Bank, Sioux Falls, South Dakota, for prior approval to reduce its capital stock through a l-for-425 reverse stock split of common stock. FEDERAL RESERVE BANK OF MINNEAPOLIS Section IV - Applications Not Subject to Federal Register Notice or Newspaper Notice (Continued) Application Norwest Corporation, Minneapolis, Minnesota, to engage in residential mortgage lending through the acquisition of Advance Mortgage, Chesapeake, Virginia, a joint venture with Rose Enterprises, L.L.C. Norwest Corporation, Minneapolis, Minnesota, to engage in residential mortgage lending through the acquisition of Mortgage One, Canton, Ohio, a joint venture with Cutler Financial Services, Inc. F E D E R A L R E S E R V E B A N K O F M IN N E A P O L IS Section V - Availability of CRA Public Evaluations w eek en d in g N o v e m b e r 15, 1996 ASSIGNMENT OF RATING Identification of Ratings In connection with the assessment of each insured depository institution's CRA performance, a rating is assigned from the following groups: OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS. An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS. An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and 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. BANKtSl EXAMINED DATE OF EXAMINATION CRA RATING Pioneer Bank & Trust 700 State Street P.O. Box 729 Belle Fourche, SD 57717-0729 (605) 892-2536 July 22, 1996 Satisfactory FEDERAL RESERVE BANK OF MINNEAPOLIS Section VI - CRA Examinations Scheduled to Begin in the Period January 1, 1997 - March 31, 1997 Examinations may have to be rescheduled during the calendar quarter in which they are designed to begin. If an institution's examination is rescheduled for a date later than the end of the date range reflected in a published schedule, the institution's name will be republished in an appropriate later listing. Any comments received as a result of either the first publication or subsequent publications will be considered during the examination. Written comments regarding the CRA performance of these institutions should be directed to Ms. Jacquelyn Brunmeier at the Federal Reserve Bank of Minneapolis, Banking Supervision Department, P.O. Box 291, Minneapolis, MN 55480-0291. Bank Name City State The State Bank of Ewen Citizens State Bank of Ontonagon First State Bank of Emmons Ridgedale State Bank First Interstate Bank of Commerce Stockmens Bank The Security State Bank State Bank of Townsend American Bank Merchants State Bank Commercial Trust & Savings Bank American State Bank First State Bank of Warner M&I Bank, Ashland M&I Bank of Eagle River M&I Community State Bank M&I Bank of LaCrosse M&I Citizens American Bank M&I Merchants Bank M&I Bank F & M Bank - Superior Ewen Ontonagon Emmons Minnetonka Billings Cascade Poison Townsend Whitefish Freeman Mitchell Rapid City Warner Ashland Eagle River Eau Claire LaCrosse Merrill Rhinelander Superior Superior Michigan Michigan Minnesota Minnesota Montana Montana Montana Montana Montana South Dakota South Dakota South Dakota South Dakota Wisconsin Wisconsin Wisconsin Wisconsin Wisconsin Wisconsin Wisconsin Wisconsin Federal R eserve Bank of Kansas C ity SE C T IO N I - APPLICATIONS SUBJECT TO N EW SPAPER N O TICE O N L Y APPLICATION COMMENT PERIOD ENDING DATE None. SECTIO N II - APPLICATIONS SUBJECT TO BO TH N EW SPA PER AND FEDERAL REGISTER N O TICE APPLICATION COMMENT PERIOD ENDING DATE Brenda Joan Pace, Pretty Prairie, Kansas, to acquire an additional 18.83 percent, for a total o f 22.88 percent, and Daniel R. Pace, Pretty Prairie, Kansas, to acquire a total o f 22.88 percent, o f the voting shares of Prairie Bankshares, Inc., Bucklin, Kansas. December 5, 1996 Joanne F. Shephard, and Mary K. Gustafson, both o f Valentine, Nebraska, as co-executrixes to acquire an additional 53.99 percent, for a total o f 69.33 percent, o f the voting shares o f Valentine Bancorporation, Valentine, Nebraska. December 5, 1996 Jefferson County Bancshares, Inc., Daykin, Nebraska, for prior approval to acquire 38.1 percent o f the voting shares o f Antelope Bancshares, Inc., Elgin, Nebraska. * December 16, 1996 The W. N ewton Male Revocable Trust, Augusta, Kansas, to increase their ownership interest from 23.11 percent to 25.60 percent o f the outstanding stock in Prairie Capital, Inc., Augusta, Kansas. Not Available SEC TIO N m - APPLICATIO NS SUBJECT TO FEDERAL R EG ISTER N O T IC E ONLY APPLICATION COMMENT PERIOD ENDING DATE Nebaneo, Inc., Wallace, Nebraska, for prior approval to acquire 99,960 shares o f common stock o f American Mortgage Company, North Platte, Nebraska. Not Available Federal R eserve Bank of Kansas C ity SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE QB NEWSPAPER NOTICE APPLICATION NKC Bancshares, Inc., North Kansas City, Missouri, for prior approval to repurchase 25.93 percent o f its outstanding common stock. SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS 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: O utstanding record o f m eeting community credit needs An institution in this group has an outstanding 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. Satisfactory record o f m eeting community credit needs An institution in this group has a satisfactory record o f 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 im prove record o f m eeting community credit needs An institution in this group needs to improve its overall record of ascertaining and helping to meet the credit needs o f its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities, Substantial noncom pliance in m eeting 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 moderateincome neighborhoods, in a manner consistent with its resources and capabilities. Federal R eserve Bank of Kansas C ity Bank/Location Exam Date CRA Public Date First Bank o f Chandler P.O. Box 218 Chandler, Oklahoma 74834-0218 08/19/96 11/14/96 *Application is subject to CRA. V I. CRA Exam ination Schedule - 1st and 2nd Quarter 1997 Boulder Valley Bank &Trust Bank at Broadmoor Castle Rock Bank First Security Bank Bank CO Western Slope Gunnison Bank & Trust Co merge w/Bank o f Louisville Ark Valley Independent Bank Colorado B&TC o f La Junta First Mountain Bank Community Bank o f Parker Rio Blanco State Bank Bank o f Colorado Front Range The Union State Bank The Stock Exchange Bank Bankwest Premier Bank Farmers State Bank Boatmen’s Bank o f Southwest Missouri Exchange Bank o f Missouri Central Bank o f Missouri The Farmers State Bank & Trust Citizens Bank Deuel County State Bank Crete State Bank Gretna State Bank Farmers State Bank & Trust Co. Farmers Bank o f Lincoln Havelock Bank First United Bank State Bank Pinnacle Bank Schuyler State Bank & Trust Co. Farmers State Bank o f Superior Bank o f Belen Boswell State Bank BancFirst ♦estimated based on 96 exam schedule Boulder Colorado Springs Castle Rock Fort Lupton Grand Junction Gunnison La Junta La Junta Leadville Parker Rangely Windsor Arkansas City Caldwell Goodland Lenexa Mankato Carthage Fayette Sedalia Aurora Bancroft Chappell Crete Gretna Lexington Lincoln Lincoln Neligh Palmer Papillion Schuyler Superior Belen Boswell Oklahoma City CO CO CO CO CO CO CO CO CO CO CO CO KS KS KS KS KS MO MO MO NE NE NE NE NE NE NE NE NE NE NE NE NE NM OK OK CRA Rating Outstanding Federal R eserve Bank of Kansas C ity Bank o f Star Valley Security State Bank o f Basin Frontier Bank o f Laramie County Bank o f Jackson Hole Uinta County State Bank Bank o f Commerce Sundance State Bank Citizens Bank & Trust Co. Stockgrowers State Bank Afton Basin Cheyenne Jackson Mountain View Rawlins Sundance Torrington Worland WY WY WY WY WY WY WY WY WY Examinations may have to be rescheduled during the calendar quarter in which they are designed to begin. If an institution’s examination is rescheduled for a date later than the end o f the date range reflected in a published schedule, the institution’s name w ill be republished in an appropriate later listing. Any comments received as a result o f either the first publication or subsequent publications w ill be considered during the examination. FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF NOVEMBER 11, 1996 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY APPLICATION NOTICE EXP None. SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE APPLICATION Change in Control Notice by James David Williams, and Brian Joseph Pohlmeier, Plainview, TX, to acquire an interest in HaleCo Bancshares, Inc., Plainview, TX (Resubmission) (Previously reported during the week of 10-21-96) ** NOTICE EXP N/A ♦Section 3(a)(1) application by Halpain Financial, Ltd., Dallas, TX, to acquire Gateway Holding Company, Inc., Dallas, TX, Gateway Delaware Holding Company, Inc., Wilmington, DE, and Gateway National Bank, Dallas, TX N/A ♦Section 3(a)(1) application by Gateway Holding Company, Inc., Dallas, TX, to acquire Gateway Delaware Holding Company, Inc., Wilmington, DE, and Gateway National Bank, Dallas, TX N/A ♦Section 3(a)(1) application by Gateway Delaware Holding Company, Inc., Wilmington, DE, to acquire Gateway National Bank, Dallas, TX N/A ♦Section 3(a)(1) application by First Mineola, Inc., Mineola, TX, to acquire The First Mineola Corporation, Mineola, TX, and The First National Bank, Mineola, TX N/A Change in Control Notice by James R. Bruton, De Leon, TX, to acquire an interest in F&M Bancshares, Inc., De Leon, TX N/A ♦Section 3(a)(3) application by Cullen/Frost Bankers, Inc., San Antonio, TX, to acquire Corpus Christi Bancshares, Corpus Christi, TX, C.S.B.C.C., Inc., Wilmington, Delaware, and Citizens State Bank, Corpus Christi, TX (Previously reported during the week of 10-28-96) ♦Section 3(a)(3) application by The New Galveston Company, Wilmington, DE, to acquire Corpus Christi Bancshares, Corpus Christi, TX, C.S.B.C.C., Inc., Wilmington, Delaware, and Citizens State Bank, Corpus Christi, TX (Previously reported during the week of 10-28-96) ♦Section 3(a)(5) application by Cullen/Frost Bankers, Inc., San Antonio, TX, to merge with Corpus Christi Bancshares, Corpus Christi, TX (Previously reported during the week of 10-28-96) ♦Section 3(a)(5) application by The New Galveston Company, Wilmington, DE, to merge with Corpus Christi Bancshares, Corpus Christi, TX (Previously reported during the week of 10-28-96) 96/12/02 96/12/02 96/12/02 96/12/02 SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY APPLICATION NOTICE EXP None. SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE OR NEWSPAPER NOTICE APPLICATION None.* * SUBJECT TO CRA. ** EXPIRATION DATE IS THE DATE SPECIFIED IN THE NEWSPAPER NOTICE ONLY. N/A - NOT AVAILABLE AT THIS TIME. SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS FOR THE WEEK OF NOVENBER 11. 1996 Outstanding record of meeting community credit needs. An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Satisfactory record of meeting community credit needs. An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Needs to Improve record of meeting community credit needs. An institution in this group need to improve its overall record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Substantial Noncompliance in meeting community credit needs. An institution in this group has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities. Bank None. Date of Examination CRA Rating SECTION VI - CRA EXAMINATIONS SCHEDULED (1st Qtr. 1997) Examinations may have to be rescheduled during the calendar quarter in which they are designated to begin. If an institution’s examination is rescheduled for a date later than the end of the date range reflected in a published schedule, the institution’s name will be republished in an appropriate later listing. Any comments received as a result of either the first publication or subsequent publications will be considered during the examination. Bank Security Bank Arlington, Texas Texas Heritage Bank Hutto, Texas Texas First Bank Texas City, Texas Texas Coastal Bank Pasadena, Texas Crowell State Bank Crowell, Texas Colorado Valley Bank LaGrange, Texas Memphis State Bank Memphis, Texas First Bank of Snook Snook, Texas Alief Alamo Bank Houston, Texas FEDERAL RESERVE BANK OF SAN FRANCISCO Week ending 11/15/96 Section I - Applications Subject to Newspaper Notice Only Application Comment Period Ending Date The Vintage Bank, Napa, California, to establish a branch office at 3626 Bel Aire Plaza, Napa, California. * Newspaper: 12/10/96 Oak Valley Community Bank, Oakdale, California, to establish a branch office at 1419 McHenry Avenue, Modesto, California. * Newspaper: 11/30/96 Section II - Applications Subject to Both Newspaper and Federal Register Notice Great Basin Financial Corporation, Elko, Nevada, to become a bank holding company by acquiring Great Basin Bank of Nevada, Elko, Nevada. * Newspaper: Not available Fed. Reg.: Not available Section III -Applications Sub.iect to Federal Register Only None Section IV - Applications Not Sub.iect to Federal Register Notice or Newspaper Notice (Cont’d.l None * Subject to CRA. FEDERAL RESERVE BANK OF SAN FRANCISCO Week ending 11/15/96 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: O u ts ta n d in g r e c o rd of m e e tin g com m unity c r e d i t n e e d s : 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 r e c o r d of m e e tin g com m unity c r e d i t n e e d s : 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 t o Im p rove r e c o r d o f m e e tin g com m unity c r e d i t n e e d s : 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. S u b s t a n t i a l Noncom pliance in meeting com m unity c r e d i t n e e d s : 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. FEDERAL RESERVE BANK OF SAN FRANCISCO Week ending 11/15/96 Section VI - CRA Examinations Scheduled Pursuant to the requirements of Section 228.45 Regulation BB (Community Reinvestment Act or CRA), the following is a tentative schedule of CRA examinations planned for the first quarter of 1997. The data are being provided for your information should you wish to share comments with this Reserve Bank regarding the CRA performance of a scheduled bank’s examination. Examinations may have to be rescheduled during the calendar quarter in which they are designated to begin. If an institution’s examination is rescheduled for a date later than the end of the date range reflected in a published schedule, the institution’s name will be republished in an appropriate later listing. Any comments received as a result of either the first publication or subsequent publications will be considered during the examination. Written comments should be directed to W. Gordon Smith at the Federal Reserve Bank of San Francisco, Division of Banking Supervision and Regulation (MS 620), 101 Market Street, San Francisco, California 94105. Name California Center Bank California United Bank Citizens State Bank Cuyamaca Bank First Security Bank Guardian State Bank Humboldt Bank Liberty Bank Oregon Pacific Banking Company Southern California Bank U.S. Bank of Idaho U.S. Bank of Utah Valley Bank of Arizona Vintage Bank Western Security Bank City Los Angeles Encino Santa Paula Santee Las Vegas Salt Lake City Eureka South San Francisco Florence Anaheim Boise Salt Lake City Phoenix Napa Scottsdale State California California California California Nevada Utah California California Oregon California Idaho Utah Arizona California Arizona