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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H.2, 1995, No. 46
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending November 18, 1995

ACTIONS TAKEN BY THE BOARD OF GOVERNORS
BANK HOLDING COMPANIES
Fleet Financial Group, Providence, Rhode Island -- to
acquire Shawmut National Corporation, Hartford,
Connecticut, and Boston, Massachusetts; and for
Fleet Bank, Albany, New York, to merge with Shawmut
Bank New York, Schenectady, New York, and to
establish branches; and for Fleet Bank-NH, Nashua,
New Hampshire, to merge with Shawmut Bank NH,
Manchester, New Hampshire, and to establish
branches.
Approved, November 14, 1995.

INTERNATIONAL OPERATIONS
NationsBank N.A., Charlotte, North Carolina -- to
establish a branch in Seoul, Korea.
Permitted, November 17, 1995.

REGULATIONS AND POLICIES
Reserves -- amendment to Regulation D to decrease the
3 percent low reserve tranche for net transaction
accounts; to increase amount of reservable
liabilities subject to a zero percent reserve
requirement; and to increase the deposit reporting
cutoff level for 1996 (Docket R-0901).
Approved, November 14, 1995.

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
ABBREVIATIONS: BS&R - Baulking 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




Chicago

Bankers Trust Company, Des Moines, Iowa --to
establish an automated teller machine at Kum & Go,
3200 Southeast 14th Street.
Approved, November 13, 1995.

Atlanta

Barnett Bank of Pasco County, Port Richey, Florida -to establish a branch at 13707 Dallas Drive,
Hudson, Florida.
Approved, November 13, 1995.

H.2
NOVEMBER 13, 1995
PAGE 2

TO

NOVEMBER 17, 1995

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

BANK BRANCHES. DOMESTIC
Chicago

Comerica Bank, Detroit, Michigan --to establish two
off-site electronic facilities at Book Tower, 2800
Book Tower, and Justin Music at 14621 Fenkell.
Approved, November 14, 1995.

St. Louis

First Bank of Arkansas, Searcy, Arkansas -- to
establish a branch at 1621 Capps Freeway.
Approved, November 17, 1995.

San Frame isco

Liberty Bank, South San Frameisco, California --t o
establish a branch in the vicinity of Highway 9 and
Mill Street, Ben Lomand, California.
Returned, November 16, 1995.

Richmond

Virginia Community Bank, Louisa, Virginia -- to
establish a branch at 701 South Main Street,
Culpeper, Virginia.
Approved, November 17, 1995.

Chicago

1st Source Bamk, South Bend, Indiana -- to establish
a branch at 1209 Calumet Avenue, Valparaiso,
Indiana.
Approved, November 16, 1995.

BANK HOLDING COMPANIES




St. Louis

ASB Corporation, Osceola, Arkansas -- to acquire
American State Bank.
Approved, November 15, 1995.

St. Louis

Bren-Mar Properties, Inc., Columbia, Missouri -- to
acquire Jack's Fork Bancorporation, Inc., Columbia,
Missouri.
Approved, November 13, 1995.

Atlanta

Century South Banks, Inc., Dahlonega, Georgia -- to
acquire Bank of Danielsville, Danilesville,
Georgia.
Approved, November 16, 1995.

Director, BS&R

FC Banc Corporation, Bucyrus, Ohio -- registration as
a transfer agent.
Approved, November 17, T995.

H .2
NOVEMBER 13, 1995
PAGE 3

TO

NOVEMBER 17, 1995

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

BANK HOLDING COMPANIES




Dallas

FCBI Delaware, Inc., Wilmington, Delaware -- request
for waiver of application to acquire Fort Hood
National Barnk, Fort Hood, Texas.
Approved, November 14, 1995.

Director, BS&R

First of America Bank Corporation, Kalamazoo,
Michigan -- to provide additional capital to its
section 20 subsidiary, First of America Securities,
Inc.
Approved, November 14, 1995.

Kamsas City

Geneva State Company, Geneva, Nebraska -- to engage
in community development activities by investing in
Bicentennial Apartments.
Withdrawn, November 17, 1995.

Chicago

Greatbanc, Inc., Aurora, Inc., Aurora, Illinois -- to
engage in acting as agent or broker for creditrelated insurance through Local Loan Company,
Chicago Heights, Illinois.
Permitted, November 16, 1995.

Dallas

Hillister Enterprises II, Inc., Beaumont, Texas -- to
acquire one percent of Umphrey II Family Limited
Partnership; Southeast Texas Bancshares, Inc., and
Community Bank of Texas.
Approved, November 16, 1995.

Kamsas City

Hoeme Family Partnership, Scott City, Kansas --to
increase ownership of First National Bancshares of
Scott City.
Approved, November 13, 1995.

St. Louis

Mercantile Bancorporation, St. Louis, Missouri -- to
acquire First Sterling Bancorp, Inc., Sterling,
Illinois, and First National Bank of Sterling-Rock
Falls.
Approved, November 13, 1995.

Sam Francisco

Neighborhood Bancorp, Sam Diego, California -- to
engage in community development activities through
Neighborhood Capital Advisors.
Returned, November 15, 1995.

H.2
NOVEMBER 13, 1995
PAGE 4

TO

NOVEMBER 17, 1995

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

BANK HOLDING COMPANIES




San Francisco

Neighborhood Bancorp, San Diego, California --to
engage in community development activities through
Neighborhood Capital Advisors.
Returned, November 15, 1995.

San Francisco

Neighborhood Bancorp, San Diego, California --to
acquire Neighborhood Development Bank, National
Association.
Returned, November 15, 1995.

San Francisco

Neighborhood Bancorp, Sam Diego, California --to
engage in community development activities through
Neighborhood Housing Development Corporation.
Returned, November 15, 1995.

Boston

New England Community Bancorp, Inc., Windsor,
Connecticut -- to acquire The Equity Bank,
Wethersfield, Connecticut.
Approved, November 16, 1995.

Kansas City

Norcon Financial Corp., Conway Springs, Kansas -- to
acquire The First National Bank of Conway Springs
and the Farmers State Bank of Norwich, Norwich,
Kansas.
Approved, November 14, 1995.

Kansas City

R. Banking Limited Partnership, Oklahoma City,
Oklahoma, and BancFirst Corporation --to acquire
and merge with Johnston County Bancshares, Inc.,
Tishomingo, and BancFirst, Oklahoma City, to merge
with Bank of Johnson County, Tishomingo, Oklahoma.
Approved, November 16, 1995.

Chicago

Shorebank Corporation, Chicago, Illinois -- extension
to February 18, 1996, to acquire U.S. Bank of
Southwest Washington, Vancouver, Washington.
Approved, November 17, 1995.

Atlanta

South Florida Banking Corporation, Bonita Springs,
Florida --to engage de novo in lending activities
and purchasing loan participations generated by
First National Bank of Florida at Bonita Springs.
Permitted, November 14, 1995.

H. 2
NOVEMBER 13, 1995
PAGE 5

TO

NOVEMBER 17, 1995

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

BANK HOLDING COMPANIES
Dallas

Umphrey II Family Limited Partnership, Beaumont,
Texas -- to acquire Southeast Texas Bancshares,
Inc., and Community Bank of Texas.
Approved, November 16, 1995.

St. Louis

United Bancorp, Inc., Madisonville, Kentucky -- to
acquire First United Bank of Hopkins County, Inc.
Approved, November 14, 1995.

BANKS. STATE MEMBER
Director, BS&R

Bryn Mawr Trust Company, Bryn Mawr, Pennsylvania -registration as transfer agent.
Approved, November 16, 1995.

Kansas city

Community Bank & Trust Company, Neosho, Missouri -payment of a dividend.
Approved, November 13, 1995.

CAPITAL STOCK
Chicago

Baxter Insurance Agency, Inc., Baxter, Iowa -redemption of shares.
Approved, November 16, ,1995.

Kansas City

First Broken Arrow Corporation, Broken Arrow,
Oklahoma -- redemption of shares.
Approved, November 15, 1995.

CHANGE IN BANK CONTROL




Kansas City

Colorado Business Bankshares, Inc., Denver,
Colorado -- change in bank control.
Permitted, November 15, 1995.

Kansas City

First Ada Bancshares, Inc., Ada, Oklahoma -- change
in bank control.
Permitted, November 14, 1995.

Kansas City

First National Bancshares of Scott City, Scott City
Kansas -- change in bank control.
Permitted, November 13, 1995.

H.2
NOVEMBER 13, 1995
PAGE 6

TO

NOVEMBER 17, 1995

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

CHANGE IN BANK CONTROL
Dallas

First State Bancshares, Inc., Spearman, Texas -change in bank control.
Returned, November 14, 1995.

COMPETITIVE FACTORS REPORTS




San Francisco

Alameda First National Bank, Alameda, California,
proposed merger with Centennial Bank, Castro
Valley, California -- report on competitive
factors.
Submitted, November 13, 1995.

San Francisco

American Express Deposit Corporation, Midvale, Utah,
proposed merger with American Express Centurion
Bank, Wilmington, Delaware -- report on competitive
factors.
Submitted, November 13, 1995.

Dallas

American State Bank, Lubbock, Texas, proposed merger
with the Farwell, Floydada, Littlefield, Muleshoe,
and Plainview, Texas, branches of Bank of America
Texas, National Association, Irving, Texas -report on competitive factors.
Submitted, November 15, 1995.

Philadelphia

Citizens National Bank of Lansford, Lansford,
Pennsylvania, proposed merger with Farmers and
Merchants Bank, Honesdale, Pennsylvania -- report
on competitive factors.
Submitted, November 17, 1995.

New York

City National Bank of New Jersey, Newark, New Jersey,
proposed purchase of the assets and assumption of
certain liabilities of the Newark South Side branch
at 1080 Bergen Street of NatWest Bank, National
Association, Jersey City, New Jersey -- report on
competitive factors.
Submitted, November 15, 1995.

New York

Colonial State Bank, Freehold, New Jersey, proposed
merger with Interim Sovereign Federal Savings Bank,
Wyomissing, Pennsylvania -- report on competitive
factors.
Submitted, November 13, 1995.

H.2
NOVEMBER 13, 1995
PAGE 7

TO

NOVEMBER 17, 1995

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

COMPETITIVE FACTORS REPORTS




Minneapolis

Firstar Bank of Minnesota, N.A., Bloomington,
Minnesota, proposed merger with Firstar Trust
Company of Minnesota, Minneapolis, Minnesota -report on competitive factors.
Submitted, November 17, 1995.

Chicago

Firstar Bank Wausau, National Association, Wausau,
Wisconsin, proposed merger with Firstar Bank
Wisconsin Rapids, National Association, Wisconsin
Rapids, Wisconsin -- report on competitive factors.
Submitted, November 13, 1995.

Atlanta

FirstMerit Bank, N.A., Naples, Florida, proposed
merger with FirstMerit, F.S.B., Clearwater, Florida
-- report on competitive factors.
Submitted, November 15, 1995.

Chicago

Hawkeye Bank of Cedar Rapids, Cedar Rapids, Iowa,
proposed merger with Hawkeye Bank of Vinton,
Vinton, Iowa, and Hawkeye Bank of Tipton, Tipton,
Iowa -- report on competitive factors.
Submitted, November 13, 1995.

Atlanta

Jefferson Bank of Broward, Lauderdale Lakes, Florida,
proposed merger with Peoples National Bank of
Commerce, Miami, Florida -- report on competitive
factors.
Submitted, November 15, 1995.

Dallas

Muleshoe State Bank, Muleshoe, Texas, proposed
acquisition of the assets and assumption of the
liabilities of branches at 203 Avenue D, Farwell,
and 304 Main Street, Muleshoe, Texas of Bank of
America, N.A., Irving, Texas -- report on
compet it ive factors.
Submitted, November 17, 1995.

Minneapolis

NorweSt Bank South Dakota, N.A., Sioux Falls, South
Dakota, proposed merger with Farmers National Bank,
Viborg, South Dakota -- report on competitive
factors.
Submitted, November 14, 1995.

H.2
NOVEMBER 13, 1995
PAGE 8

TO

NOVEMBER 17, 1995

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

COMPETITIVE FACTORS REPORTS
Chicago

Parkway Bank of Illinois, Carpentersville, Illinois,
proposed merger with Parkway Bank of Schaumburg,
Schaumburg, Illinois -- report on competitive
factors.
Submitted, November 17, 1995.

Richmond

United Carolina Bank, Whiteville, North Carolina,
proposed merger with Seaboard Savings Bank, Inc.,
SSB, Plymouth, North Carolina -- report on
competitive factors.
Submitted, November 13, 1995.

EXTENSIONS OF TIME




Atlanta

American Bancshares, Inc., Bradenton, Florida -extension to February 29, 1996, to acquire American
Bank of Bradenton.
Granted, November 15, 1995.

San Francisco

BankAmerica Corporation, San Francisco, California -extensions to divest certain properties.
Granted, November 14, 1995.

Director, BS&R

BankAmerica Corporation, San Francisco, California -extension to divest certain property.
Granted, November 14, 1995.

Chicago

Cole Taylor Bank, Chicago, Illinois -- extension to
October 19, 1996, to establish a branch at
Broadview Village Square Shopping Center, 17th
Avenue & Cermak Road, Broadview, Illinois.
Granted, November 16, 1995.

Dallas

Coupland Bancshares, Inc., Coupland, Texas -extension tg February 14, 1996, to acquire Coupland
„ Bancshares-Nevada, Inc., Carson City, Nevada, and
Coupland State Bank of Coupland, Coupland, Texas.
Granted, November 16, 1995.

Dallas

Coupland Bancshares-Nevada, Inc., Carson City, Nevada
-- extension to February 14, 1996, to acquire
Coupland State Bank of Coupland, Coupland, Texas.
Granted, November 16, 1995.

H .2
NOVEMBER 13, 1995
PAGE 9

TO

NOVEMBER 17, 1995

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

EXTENSIONS OF TIME
Richmond

First Bancorp, Inc., Lebanon, Virginia -- extension
to December 5, 1995, to establish First Bank and
Trust Company of Tennessee, Johnson City,
Tennessee.
Granted, November 14, 1995.

San Francisco

Wells Fargo and Company, San Francisco, California -extension to divest certain property,
Granted, November 14, 1995.

Chicago

M&I Bank Fox Valley, Appleton, Wisconsin -- to become
a member of the Federal Reserve System.
Approved, November 17, 1995.

MEMBERSHIP

REGULATIONS AND POLICIES




Secretary
FOMC

Federal Open Market Committee -- minutes of the
meeting on September 26, 1995.
Published, November 17, 1995.

H.2

ADDITIONS AND CORRECTIONS

NOVEMBER 13, 1995
PAGE 10

TO

NOVEMBER 17, 1995

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

COMPETITIVE FACTORS REPORTS




Atlanta

Enterprise Bank of At1amta, Dunwoody, Georgia,
proposed merger with Enterprise Interim Bank -report on competitive factors'.
Submitted, November 10, 1995.

Atlanta

First American Bank of Pensacola, N.A., Pensacola,
Florida, proposed merger with First American
Interim Bank of Pensacola -- report on competitive
factors.
Submitted, November 10, 1995.

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS
SECTION I - APPLICATIONS SUBJECT TQ
NEWSPAPER NOTICE ONLY
Application

Comment Period Ending Date

NONE

SECTION II - APPLICATIONS SUBJECT TO BOTH

NBMfiEAFBB M P .FBPBRAL RBSISTBR NOTICE
Comment Period Ending Date

Application
NONE

SECTION III - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY
Application

Comment; Period Ending. Date
NONE

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

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Institution

Examination Date

Rating**

NONE

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




"N" - Needs to

Federal Reserve Bank of New York
Comment Period
— Ertdlhg na - t
if

SECTION I
Applications Subject to Newspaper
___________Hptice,.-flply---------Fleet Bank, Albany, New York, to establish
an offsite electronic facility at Crossgates
Mall, One Crossgate Mall Road, Albany,
New York. 1/
Manufacturers and Traders Trust Company,
Buffalo, New York, to establish a branch
at Topps Markets Inc., 345 :
Amherst Street,
Buffalo, New York. 1/

12/12/95

, 12/14/95

SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
UJB Financial Corp., Princeiton, New Jersey CUJB Financial1)
*
pursuant to Section 3(a)(
5); of the Bank Holding Company
Act of 1956, as amended (the "BHC Act"), to merge with
The Summit Bancorporation, .Chatham, New Jersey ("Summit").
UJB Financial also seeks the Board's approval, pursuant to
Section 3(a)(3) of the BHC Act, to acquire up to
19.9 percent of the voting shares of Summit
through the exercise of options granted by Summit in
connection with the bank holding company merger proposal.
United Jersey Bank, Hackensack, New Jersey ("UJB"),
UJB Financial's bank subsidiary, has also applied, pursuant to
Section 18(c) of the Federal Deposit Insurance Act,
as amended (the "FDI Act"),\ to merge with Summit Bank,
Chatham, New Jersey, under the charter and title of UJB
and, incident thereto, to establish branches
at current Summit Bank branch locations pursuant to
Section 9 of the Federal Reserve Act. 1/
12/22/95 -2/
SECTION II X ,

Nonbanking Applications
(sub-iect to Federal Register Notice Only)
National Westminster Prima Limited, London,
England, to acquire the following U.S.
subsidiaries, and thereby to engage in their
activities: (l) to acquire 10.53 percent of
Infinet Payment Services Inc.,
Hackensack, New Jersey, in data processing, pursuant
to Section 225.25(b)(7) of Regulation Y, and
check-guaranty services pursuant to
Section 225.25(b)(22) of Regulation Y;
(2) Natwest Securities Corporation, New York,
New York, to engage in securities activities,
including securities brokerage and financial
and investment advisory activities, both separately
and on a combined basis, for institutional customers,
pursuant to Section 225.25(b)(15) of Regulation Y
and Board Order; (3) NatWest International
Securities Inc., New York, New 'fork, in




and Board Order; (3) NatWest International
Securities Inc., New York, New York, in
securities brokerage activities pursuant
to Section 225.25(b)(15) of Regulation Y;
(4) Westminster Research Associates Inc.,
New York, New York in certain securities
brokerage activities pursuant to
Section 225.25(b)(15) of Regulation Y;
(5) NatWest Investment Management, Inc.,
Boston, Massachusetts, in investment advisory
activities pursuant to Section 225.25(b)(4) and
Section 225.25(b)(19) of Regulation Y;
(6) NatWest Markets Leasing Corporation,
New York, New York, in lending and leasing
activities pursuant to Sections 225.25(b)(1)
and 225.25(b)(5) of Regulation Y;
(7) NatWest Equity Corporation, New York,
New York, in lending activities pursuant
to Section 225.25(b)(1) of Regulation Y;
and (8) NatWest Leasing Corporation, New York,
New York, in lending and leasing activities
pursuant to Sections 225.25(b)(1) and
225.25(b)(5) of Regulation Y, all as a result
of the creation of a new intermediate bank
holding company because of a proposed
recapitalization of NatWest Holdings, Inc.

N/A

SECTION IV
Applications Not Involving
______Public Comment______
None.
SECTION V
&Yailabllity-flf.E A . Public Evaluations.
R.
In connection with the assessment of each insured depository
institution's CRA performance, a rating is assigned from the
following group:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and
is a leader in, ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of
ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.
Needs to improve record of meeting community credit needs.




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

Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record
of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate- income neighbor­
hoods, in a manner consistent with its resources and capabilities.
Weak Ending November 18. 1995

NAME, OF BANK

EATING

examination date

None.
1/

2/
2/
1/

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




FEDERAL RESERVE BANK OF PHILADELPHIA

Section I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER NOTICE ONLY
New Century Bank fin Organization), Phoenixville, PA, for approval to become a member
of the Federal Reserve System, pursuant to section 9 of the Federal Reserve Act*
Newspaper Notice comment period expires:

11/22/95

Dauphin Deposit Bank and Trust Company* Harrisburg, PA to establish a branch office at
5021 Route 873, Schnecksville, PA, pursuant to Section 9 of the FR Act*
Newspaper Notice comment period expires:

12/08/95

Dauphin Deposit Bank and Trust Company, Harrisburg, PA to establish a branch office at
2190 East High Street, Pottstown, PA, pursuant to Section 9 of the FR Act*
Newspaper Notice comment period expires:

12/08/95

SECTION XI - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER
NOTICE
Drovers Bancshares Corporation* York, PA, is the subject of a Change in Bank Control
filed by Robert H. Stewart, Jr*, Karylee Gilbert, Terrence S* Stewart, and Gary A*
Stewart, et al., York, PA, to retain control of up to 15% of the holding company,
pursuant to the Change in Bank Control Act*
Federal Register comment period expires:
Newspaper Notice comment period expires:

11/27/95
N/Avail

Norwood Financial Corp** Honesdale, PA to become a bank holding company through the
acquisition of 100% of the voting shares of Wayne Bank, Honesdale, PA, pursuant to
Section 3(a)(1) of the Bank Holding Company Act of 1956, as amended*
Federal Register comment period expires:
Newspaper Notice comment period expires:

N/Avail
N/Avail

SECTION III ~ APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL REGISTER NOTICE ONLY
NONE
SECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL REGISTER NOTICE OR
NEWSPAPER NOTICE




NONE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS

The following institutions were examined for CRA. The 30-business day period the bank
has to make the evaluation public has lapsed during the week ending November 17, 1995.
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 itsoverall
record of ascertaining
and helping to meet the credit needs of its
entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Substantial noncompliance in meeting community credit needs.

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

Examination Date

CRA Rating

NONE

NONE

NONE




F ederal Reserve B ank
of C leveland
P. O. BOX 6387
CLEVELAND, OHIO 44101-1387

APPLICATIONS BULLETIN
(For the week ending November 18, 1995)
SECTION I - APPLICATIONS SUBJECT TO NEW SPAPER NOTICE ONLY

NONE

n

SECTION
- APPLICATIONS SUBJECT TO BOTH NEW SPAPER AND FEDERAL
REGISTER NOTICE

Received Section 4(c)(8) notice from Montgomery
Bancoiporation, Inc., Mt. Sterling, Kentucky, on
November 17, 1995, to acquire Traditional Bank, FSB,
Lexington, Kentucky, a de novo thrift institution.

*N: November 24, 1995

SECTION m - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY

Received Section 4(c)(8) notice from Colonial
Banc Corp., Eaton, Ohio, on November 13, 1995,
of its intent to establish Financial Services, Inc.,
Eaton, Ohio, and engage in real estate appraisal
services pursuant to Section 225.25(b)(13) of
Regulation Y.

Not Yet Known #

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEW SPAPER NOTICE

NONE

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



AVAILABILITY OF CRA PUBLIC EVALUATIONS
(November 17, 1995)

The following state member banks have been examined by the Federal Reserve Bank of
Cleveland for compliance with The Community Reinvestment Act. A public evaluation
document became available from the bank(s) listed below during the week ended November 17,
1995. If you are interested in obtaining a copy of an evaluation document, please contact the
bank(s) directly.
There are four descriptive ratings for CRA:
OUTSTANDING: a bank in this group has an outstanding record of, and is a leader
in, ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.
SATISFACTORY: a bank in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
NEEDS TO IMPROVE: a bank in this group needs to improve its overall record of
ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
SUBSTANTIAL NON COMPLIANCE: a bank in this group has a substantially
deficient record of ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.
NONE




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

Comment Period Ending Date

Bank of Essex, Tappahannock, Virginia, to
acquire the West Point, Virginia, branch of
First Union National Bank of Virginia, Roanoke,
Virginia.*

12-7-95

Virginia Commerce Bank, Arlington, Virginia,
to establish a branch at 6500 Williamsburg
Boulevard, Arlington, Virginia.*

12-10-95

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

Comment Period Ending Date

Highland Bankshares, Inc., Abingdon, Virginia,
to become a bank holding company through the
acquisition of 100% of the voting shares of
Highlands Union Bank, Abingdon, Virginia.*
Calvin B. Taylor Bankshares, Inc.,
Maryland, to become a bank holding
through the acquisition of 100% of
shares of Calvin B. Taylor Banking
Berlin, Maryland.*

11-27-95

Berlin,
company
the voting
Company,
12-8-95

Monocacy Bancshares, Inc., Taneytown, Maryland,
to acquire 100% of the voting shares of Royal Oak
Savings Bank, F.S.B., Randallstown, Maryland.*

12-16-95

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

Community Capital Corporation, Greenwood, South
Carolina, to engage in providing courier services*

Not yet available.

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

*Application is subject to CRA requirements.



Federal Reserve Bank of Richmond
Availability of CRA Public Evaluations
Week ending November 17, 1995

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

Rating

F & M Bank-Winchester
115 North Cameron Street
Winchester, Virginia 22601

8-21-95

Outstanding

Bank of the Commonwealth
403 Boush Street
Norfolk, Virginia 23510-1200

8-28-95

Satisfactory

F & M Bank-Potomac
230 Herndon Parkway
Herndon, Virginia 22070

8-28-95

Satisfactory

8-28-95

Satisfactory

Putnam County Bank
2761 Main Street
Hurricane, West Virginia




25526

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending November 17, 1995
Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Republic Security Bank
11-27-95*
West Palm Beach, Florida
To merge with Century Bank, F.S.B., Sarasota, Florida, pursuant to Section 18(c)
of the Federal Deposit Insurance Act.
Bank South
12-07-95*
Atlanta, Georgia
To establish a branch located at 4995 Jimmy Carter Boulevard, Norcross, Georgia,
to be known as the Norcross Drive Thru Facility.
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

Citizens Community Bancshares, Inc.
11-24-95*
Marco Island, Florida
Federal Register
1-BHC formation, Citizens Community Bank of Florida, Marco Island, Florida (in
organization).
Central and Southern Holding Company
Not yet available*
Milledgevilie, Georgia
To convert one of its two bank subsidiaries, Central and Southern Bank of
Greensboro, Greensboro, Georgia, into a savings association and thereby engage
de novo in operating a savings association, pursuant to Section 225.25(b)(9) of
Regulation Y and Section 4(c)(8) of the Bank Holding Company Act.
The
transaction will be accomplished through the merger of Central and Southern Bank
of Greensboro into Central and Southern Bank of North Georgia, Greensboro,
Georgia, an interim thrift subsidiary of Notificant. Company will survive the
merger and operate under the name Central and Southern Bank of North Georgia.
Section 3 - Applications Subject to Federal Register Only
Application

Comment Period Ending Date

First American Corporation
Not yet available
Nashville, Tennessee
To acquire 67 percent of the outstanding shares of The SSI Group, Inc., Mobile,
Alabama, and thereby engage in certain data processing activities, and certain
collection activities, pursuant to Section 225.25 (b) (7) and Section 225.25 (b) (23)
of Regulation Y.
Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
None.
Subject to provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta

Applications Bulletin tor....Weak.finding Npyambor 17. 1995
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.
Meeds to improve record of meeting community credit needs: An institution needs
to improve its overall record of ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncomn 1 lance 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

Rating

Examination
Date

SunTrust Baulk, Tampa Bank
Post Office Box 3303
Tampa, Florida 33601
(813)224-2121

Outstanding

06-05-95




F e d e ra l Re serve Bank o f A tla n ta
A p p lic a tio n s B u lle t in f o r Week Ending November 17, 1995

Recently Approved Applications

jBpryval Date

Barnett Bank of Pasco County
11-13-95
New Port Richey, Florida
To establish a branch located at 13707 Dallas Drive, Hudson, Florida, to be known
as the Windsor Woods Office.
South Florida Banking Corporation
11-14-95
Bonita Springs, Florida
To engage de novo in making, acquiring, or servicing loans or other extensions
of credit, pursuant to Section 225.25(b)(1) of Regulation Y and Section 4(c)(8)
of the Bank Holding Company Act, by purchasing loan participations generated by
its subsidiary bank, First National Bank of Florida at Bonita Springs, Bonita
Springs, Florida.
Century South Banks, Inc.
Dahlonega, Georgia
To acquire Bank of Danielsville, Danielsville,
3(a)(3) of the Bank Holding Company Act.




11-16-95
Georgia, pursuant to Section

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

I

m

.

Application

Comment Period
Ending Date

Merger/Branch

Hawkeye Bank of Des Moines
Des Moines, Iowa
Hawkeye Bank o f Ankeny
Ankeny, Iowa
305 S. Ankeny Blvd.
Ankeny, Iowa

N P - **

Merger

Tri-County Bank
Brown City, Michigan
Peck, Michigan branch of NBD Bank
Detroit, Michigan

N P - 11-23-95

Merger

Tri-County Bank
Brown City, Michigan
Yale, Michigan branch of NBD Bank
Detroit, Michigan

NP - 11-25-95

Merger/Branch

Chemical Bank Bay Area
Bay City, Michigan
Chemical Bank Huron
Standish, Michigan
220 S. Main Street
Standish, Michigan

N P - **

Branch

Chemical Bank Bay Area
Bay City, Michigan
144 W. Huron
AuGres, Michigan

NP -*
*

Branch

Chemical Bank Bay Area
Bay City, Michigan
211 Harrison
Prescott, Michigan

NP - **

Branch

Chemical Bank Bay Area
Bay City, Michigan
3858 N. M-13
Pinconning, Michigan

NP - **




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

Type

Application

Branch

First Farmers Bank & Trust Company
Converse, Indiana
10077 North State Road 37
Elwood, Indiana

N P - 11-27-95

Branch

Byron Center State Bank
Byron Center, Michigan
4350 44th Street
Grandville, Michigan

NP - 11-23-95

Branch

Citizens Bank and Trust Company
Belle Plaine, Iowa
706-12th Street
Belle Plaine, Iowa

NP - 12-1-95

Branch

Comerica Bank
Detroit, Michigan
1116 Robbins Road
Grand Haven, Michigan

NP - 11-24-95

EFT

M&I First American Bank
Wausau, Wisconsin
200 3rd Street
Wausau, Wisconsin

N P - **

EFT

M&I Mid State Bank
Stevens Point, Wisconsin
1000 East Riverview Express
Wisconsin Rapids, Wisconsin

NP - 12-8-95

EFT

M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
2523 East Oklahoma Avenue
Milwaukee, Wisconsin

_ **




Federal Reserve Bank o f Chicago
Section I - Applications Subject to Newspaper
Notice Only Continued
Comment Period
Ending_.DjLte

Type

Application

EFT

M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
7700 West Brown Deer Road
Brown Deer, Wisconsin

NP - **

EFT

M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
5300 South 76 Street
Greendale, Wisconsin

N P - **

EFT

M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
2900 West Oklahoma Avenue
Milwaukee, Wisconsin

NP - **

Merger/Branches




Firstar Bank Minocqua
Minocqua, Wisconsin
Firstar Bank Madison, N.A.
Madison, Wisconsin
Firstar Bank Wausau, N.A.
Wausau, Wisconsin
Firstar Bank Grantsburg, N.A.
Grantsburg, Wisconsin
Firstar Bank Eau Claire, N.A.
Eau Claire, Wisconsin
Firstar Bank Rice Lake, N.A.
Rice Lake, Wisconsin
Firstar Bank Manitowoc
Manitowoc, Wisconsin
Firstar Bank Oshkosh, N.A.
Oshkosh, Wisconsin
Firstar Bank Green Bay
Green Bay, Wisconsin
Firstar Bank Fond du Lac, N.A.
Fond du Lac, Wisconsin
Firstar Bank Sheboygan, N.A.
Sheboyan, Wisconsin
Firstar Bank Appleton
Appleton, Wisconsin
and thereby establish 54 branches

NP - **

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

ly e s

AoDlication

Y-l

CJSB Bancorporation
Columbus Junction, Iowa
Columbus Junction State Bank
Columbus Junction, Iowa*

NP - **
FR - **

Y-2

Dentel Bancorporation
Victor, Iowa
Corydon Bancorporation
Corydon, Iowa
Corydon State Bank
Corydon, Iowa*

FR - 10-31-95
NP - 12-1-95

Y-2

United Community Bancorp
Chatham, Illinois
State Bank of Auburn
Auburn, Illinois*

FR - 11-27-95
NP - 11-5-95

COC-HC

WFC, Inc.
Waukov Iowa
Alan J . Johnson
Robert A. Schultz

FR - 11-16-95
NP - 10-10-95

Y-2

WFC, Inc.
Waukon, Iowa
Viking State Bank & Trust
Decorah, Iowa (in organization)*

FR - 11-24-95
NP - 10-10-95

Y-2

Heritage Financial Services, Inc.
Tinley Park, Illinois
First National Bank of Lockport
Lockport, Illinois*

FR - 11-24-95
NP - 11-22-95

Y-2

F & M Bancorporation, Inc.
Kaukauna, Wisconsin
Monycor Bancshares, Inc.
Superior, Wisconsin
Monycor Bank of Superior
Superior. Wisconsin*

FR - 12-7-95
NP - 11-27-95




Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspaper and Federal
Register Notice
Continued

3

' m

Application

Comment Period
Ending Date

Y-2

ISB Financial Corp.
Iowa City, Iowa
W.S.B. Inc.
Washington, Iowa
Washington State Bank*
Washington, Iowa

FR - 12-11-95
NP - 12-8-95

Y-2

Oelwein Bancorporation
Minneapolis, Minnesota
Lakeside Credit Co., Inc.
Minneapolis, Minnesota
First Trust and Savings Bank
Cedar Rapids, Iowa*

FR - 12-4-95
_ **

COC-HC

Baxter Insurance Agency, Inc.
Baxter, I^wa
John F. Edge

F R - 11-16-95
NP - 11-20-95

Y-2

Security National Corporation
Sioux City, Iowa
Sheldon Security Bancorporation
Sheldon, Iowa
Sheldon Security Financial Corporation
Sheldon, Iowa
Security State Bank
Sheldon, Iowa*

FR - 12-1-95
NP - 12-1-95

Y-l

FNB Financial Corporation
Three Rivers, Michigan
First National Bank of Three Rivers
Three Rivers, Michigan*

PR _ **
NP _ **

Y-l

Reliance Bancshares, Inc.
Milwaukee, Wisconsin
Reliance Savings Bank
Milwaukee, Wisconsin*

PR . **
NP - **




Federal Reserve Bank of Chicago
Section III - Applications Subject to Federal Register
Notice Only

I

m

Application

Comment Period
Ending Date

4(c)(8)

Firstar Corporation
Milwaukee, Wisconsin
Harvest Financial Corp.
Dubuque, Iowa
Harvest Savings Bank, F.S.B.
Dubuque, Iowa

F R - 11-16-95
N P - 11-14-95

4(c)(8)

Firstar Corporation of Iowa
Milwaukee, Wisconsin
Harvest Financial Corp.
Dubuque, Iowa
Harvest Savings Bank, F.S.B.
Dubuque, Iowa

F ft - 11-16-95
NP - 11-14-95

4(c)(8)

ABN AMRO Bank N.V.
Amsterdam, The Netherlands
Nevil’e Leasing, Inc.
Atlanta, Georgia

FR - 11-21-95

4(c)(8)

ABN AMRO HOLDING, N.V.
Amsterdam, The Netherlands
Neville Leasing, Inc.
Atlanta, Georgia

FR - 11-21-95

4(c)(8)

Stichting Administratiekantoor
ABN AMRO HOLDING
Amsterdam, Netherlands
Neville Leasing, Inc.
Atlanta, Georgia

FR - 11-21-95

4(c)(8)

Stichting Prioriteit ABN AMRO HOLDING
Amsterdam, The Netherlands
Neville Leasing, Inc.
Atlanta, Georgia

FR - 11-21-95




Federal Reserve Bank o f Chicago
Section III - Applications Subject to Federal Register
Notice Only
Continued

Application

Comment Period
Ending Date

4(c)(8)

Guaranty Bankshares, Ltd.
Cedar Rapids, Michigan
to engage in making and servicing of loans

F R - 11-27-95

4(c)(8)

Old Kent Financial Corporation
Grand Rapids, Michigan
Republic Mortgage Corp.
Salt Lake City, Utah
to engage in residential and commercial mortgage
banking business

PR _ **

4(c)(8)

Republic Bancorp, Inc.
Owosso Michigan
Premier Partners - James R. Gary Realtors
Woodland Hills, California
to engage in originating, funding & servicing residential
mortgage loans on a retail basis

FR - 11-28-95

4(c)(8)

Reliance Bancshares, Inc.
Milwaukee, Wisconsin
to engage in making and servicing loans

P R . **

4(c)(8)

Premier Financial Services, Inc.
Freeport, Illinois
Premier Insurance Services, Inc.
Warren, Illinois
to engage in general insurance agency activities

PR . **




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

NONE

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




AVAILABILITY OF CRA PUBLIC EVALUATIONS
The following state member banks have beep examined by the Federal Reserve
Bank of Chicago for compliance with the CRA. The 3O-day business day period
the bank has to make the evaluation public has lapsed during the week ending
November 17, 1995.
If you are interested in obtaining a copy of the
evaluation document, please contact the bank(s) directly.
Identification of Ratings
O-An institution in this group has an outstanding record of, and is a leader
in, ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
S-An institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.
NI-An institution in this group needs to improve its overall record of
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
SN-An institution in this group has a substantially deficient record of
ascertaining and helping to meet the credit needs of its entire delineated
coi ftunity, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
BANK NAME/LOCATION

EXAMINATION DATE

RATINGS

-Quad City Bank and Trust Company
2118 Middle Road
Bettendorf, Iowa
52722
(319)
344-0600
8/07/95

S

-Lake Forest Bank & Trust Company
727 North Bank Lane
Lake Forest, Illinois
60045
(708)
234-2882
7/24/95

S

-The Farmers & Merchants Bank
123 West Huron Street
Berlin, Wisconsin
54923-0270
(414)
361-1454

S




7/31/95

Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING NOVEMBER 17, 1995

Application

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
End of Comment Period

None.

Application

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
End of Comment Period

None.

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 O F ST. LOUIS
St. Louis, Missouri

AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification o f Ratings:
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.

FOR THE WEEK ENDING

Name of Bank
Cass Bank and Trust
Company




November 17, 1995

Bank Address
3636 South Geyer Road
St. Louis, MO 63127

Examination
Date
7-17-95

Examination
Rating
Satisfactory

FEDERAL RESERVE BANK OF 1HNNBAPOLIS
Section I • Applications Subject to
Newspaper Notice Only
Comment Period
Ending Date

Application
Farmers State Bank of Conrad,
Conrad, Montana, to acquire, through
merger, the Farmers State Bank of
Cut Bank, Montana, and incident thereto,
to establish a branch in Cut Bank, Montana.

Not yet available

First Interstate Bank of Commerce, Billings,
Montana, to establish a branch in Bozeman,
Montana.

December 5, 1995

FEDERAL RESERVE BARK OF MINNEAPOLIS
Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period
Ending Date

BNCCORP, Inc., Bismarck, North Dakota,
to acquire 100% of the voting shares
of the BNC National Bank of Minnesota,
Minneapolis, Minnesota, a de novo
bank.

December 11, 1995
(Federal Register)

First Baulk System, Inc., Minneapolis,
Minnesota, to acquire 100% of the voting
shares of the First Interstate Bancorp, Los
Angeles, California.

Not yet available

First Manistique Corporation, Manistique,
Michigan, to acquire 100% of the voting shares
of the South Range State Bank, South Range,
Michigan.

December 16, 1995
(Newspaper)

Private Bancorporation, Inc., Minneapolis,
Minnesota , to acquire 100% of the voting
shares of Private Bank Minnesota, Minneapolis,
Minnesota.

Not yet available

♦Subject to CRA




FEDERAL RESERVE BARK OF MINNEAPOLIS

Section III - Applications Subject
to Federal Register Notice Only
Comment Period
Ending Date

Application
Progressive Growth Corp., Gaylord,
Minnesota, to engage de novo
in data processing activities through
Synectic Solutions, Inc., Gaylord, Minnesota.

December 1, 1995

First Bank System, Inc., Minneapolis,
Minnesota, to engage in venture capital
activities through the acquisition of
First Interstate Bancorp, Los Angeles,
California.

Not yet available

First Sleepy Eye Bancorporation, Inc.,
Sioux Falls, South Dakota, to engage
de novo in community development activities.

Not yet available

FEDERAL RESERVE BANK OF MINNEAPOLIS

Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Noti<
Application
NONE.




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending November 17, 1995
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,
r including low- and moderate -income neighborhoods, in a manner consistent
with its resources and capabilities.
NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group needs to improve its overall record of
ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods,
in a manner consistent with its resources and capabilities.
SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient record of
ascertaining and helping to meet the credit needs of its entire
delineated community, including low-and moderate-income neighborhoods,
in a manner consistent with its resources and capabilities.

BANK(S) EXAMINED

DATE OF EXAMINATION

CRA RATING

First State Bank of Froid
P.0. Box 128
Froid, Montana
59226-0128
(406)766-2357

August 15, 1995

Satisfactory

Farmers State Bank of Denton
423 Broadway
Denton, Montana
59430
(406)567-2265

August 14, 1995

Outstanding

August 14, 1995

Satisfactory

The State Savings Bank
of Manistique
P.O. Box 399
Mani stique, Mi chi gan
49854
 (906)341-2171


Federal Keserve Bank of Kansas City

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY

APPLICATION

COMMENT PERIOD ENDING DATE

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

APPLICATION

COMMENT PERIOD ENDING DATE

Shirley A. Gruber, Barnard, Kansas, for prior
approval to acquire a total of 66.2 percent; Timothy J.
Schroeder, Beverly, Kansas, for prior approval to
acquire a total of 15.4 percent; and Michael N.
Millikan, Salina, Kansas, for prior approval to acquire
a total of 15.7 percent of the voting shares of Beverly
Bankshares, Inc., Beverly, Kansas.

November 28, 1995

Admiral Steel Corporation, Alsip, Illinois, for prior
approval to become a bank holding company through
the acquisition of 100 percent of the voting shares of
Munden Bankshares, Inc., Munden, Kansas.*

December 11, 1995

Ameribank Corporation, Shawnee, Oklahoma, for
prior approval to acquire 94 percent of the voting
shares of United Oklahoma Bankshares, Inc., Del
City, Oklahoma.*

December 11, 1995

Swanton Agency, Inc., Swanton, Nebraska, for prior
approval to acquire 100 percent of the voting shares of
Farmers State Bank of Plymouth, Plymouth,
Nebraska.*

Not Available

Commercial Guaranty Bancshares, Inc., Shawnee
Mission, Kansas, for prior approval to become a bank
holding company through the acquisition of 100
percent of the voting shares of First Commercial
Bank, N.A., Overland Park, Kansas.*

Not Available




Federal Reserve Bank of Kansas City

SECTIQrOIL-_NQTIFICATIONS SUBJECT TO FEDERAL REGISTER NOTICE

ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

First Community Bancshares, Inc., Knob Noster,
Missouri, for prior approval to engage in the
nonbanking activity of Real Estate Mortgages.

Not Available

First National of Nebraska, Inc., Omaha, Nebraska,
for prior approval to engage in the nonbanking activity
of conducting data processing services through the
acquisition of Integrated Planning Systems, Inc.,
Bellevue, Nebraska.

Not Available

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

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:

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

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




Federal Reserve Bank of Kansas City

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

Bank/Location

Exam Date

CRA Public
Date

Uinta County State Bank
128 North Birch Street
Mountain View, Wyoming 82939

08-21-95

11-14-95

Substantial
Noncompliance

Bank of Laramie
P.O. Box 1027
Laramie, Wyoming 82070-1027

08-14-95

11-15-95

Outstanding

Boswell State Bank
P.O. Box 89
Boswell, Oklahoma 74727-0089

08-21-95

11-17-95

Satisfactory

Havelock Bank
6145 Havelock Avenue
Lincoln, Nebraska 68507-1234

08-14-95

11-17-95

Satisfactory

*Application is subject to CRA.




CRA
Rating

FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF NOVEMBER 13, 1995
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
Roy Edward Aldwell, II, New York, New York, to acquire
an interest in First Sonora Bancshares, Inc., Sonora, TX
(Resubmi ssion)
(Previously reported during the week of 10-23-95)

95/11/29

Change in Control Notice by
Jack H. Hart, Amarillo, TX, to acquire an interest in
Spearman Bancshares, Inc., Spearman, TX
(Resubmi ssion)
(Previously reported during the week of 10-30-95)

N/A

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
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 NOVEMBER 13. 1995

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

Bank

Date of
Examination

CRA Rating

Alief Alamo Bank
P. 0. Box 721680
12300 Bel 1ai re Blvd.
Houston, Texas 77272

95/08/14

Satisfactory

Community Bank
P. 0. Box 737
20045 Katy Frwy.
Katy, Texas 77492

95/08/14

Satisfactory




FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 11/17/95
Section I - Applications Subject to Newspaper Notice Only
Comment Period Ending Date

Application
None

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Wells Fargo & Company, San Francisco, California,
to merge with First Interstate Bancorp, Los
Angeles, California. *

Newspaper:

Not available

Fed. Rea.:

Not yet published

Wells Fargo & Company, San Francisco, California,
to acquire the 16 bank subsidiaries of First
Interstate Bancorp, Los Angeles, California. *

Newspaper:

Not available

Fed. Req.:

Not yet published

Wells Fargo & Company, San Francisco, California,
to engage in consent solicitation to replace the
Board of Directors of First Interstate Bancorp,
Los Angeles, California. *

Newspaper:

Not available

Fed. Req.:

Not yet published

The Mitsubishi Bank, Ltd., Tokyo, Japan, to
Newspaper:
acquire: The Bank of Tokyo Trust Company, New
York, New York; The Chicago-Tokyo Bank, Chicago,
Fed. Req.:
Illinois; and Union Bank, San Francisco, California. *
Union Bank, San Francisco, California, to become
a bank holding company by acquiring BanCal TriState Corporation, San Francisco, California. *

12/16/95
Not yet published

Newspaper:

12/16/95

Fed. Req.:

Not yet published

Section III -Applications Sub.iect to Federal Register Only
The Mitsubishi Bank, Ltd., Tokyo, Japan, to
acquire BOT Financial Corporation, and BOT
Securities, Inc., both of New York, New York.

Fed. Reg.:

Not yet published

Union Bank, San Francisco, California, to retain
all of the voting shares of: UB Leasing, Inc.;
UB Investment Services, Inc.; Unionbanc Leasing
Corporation; Stanco Properties, Inc.; UB Mortgage
Corp.; and Bankers Commercial Corporation, all of
San Francisco, California.

Fed. Reg.:

Not yet published

Section IV - Applications Not Sub.iect to Federal Register Notice
or Newspaper Notice
The Mitsubishi Bank, Ltd., Tokyo, Japan, to acquire all of the branch
offices, all of the agencies and all of the representative offices of
The Bank of Tokyo, Ltd., Tokyo, Japan.
The Mitsubishi Bank, Ltd., Tokyo, Japan, to ugrade the San Francisco agency
of The Bank of Tokyo, Ltd., to a branch office.

* Subject to CRA.



FEDERAL RESERVE BANK OF SAN FRANCISCO (cont'd.)
Week ending 11/17/95
Section IV - Applications Not Subject to Federal Register Notice
or Newspaper Notice (continued...)
The Mitsubishi Bank, Ltd., Tokyo, Japan, to acquire BOT North America
International, Inc., an agreement corporation, established to hold the
shares of Bank of Tokyo Mexico, S.A., Mexico City, Mexico.
The Bank of California, N.A., San Francisco, California, to acquire the Cayman Islands
branch, two Guam branches, and the Northern Mariana Islands branch offices of Union
Bank, San Francisco, California.
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during the week
ending November 17, 1995. Information about a particular institution’s CRA evaluation
may be obtained directly from the institution.
Institution
Citizens State Bank
of Santa Paula

Location
948 E. Main St.
PO Box 471
Santa Paula, CA
93060-0472

Examination Date

Rating*

7/31/95

Outstanding

7/31/95

Satisfactory

(805) 525-4413
First Security Bank
of Nevada

530 Las Vegas Boulevard
Las Vegas, Nevada 89101
(702) 368-1969

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

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

Satisfactory

Needs to improve record of meeting community credit needs:

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

Substantial noncompliance in meeting community credit needs:

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