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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H.2, 1992, No. 48
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending November 28, 1992

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANK HOLDING COMPANIES
ABN AMRO* Amsterdam* The Netherlands — determination
concerning acquisition of companies that engage in
real estate development activities in the United
States.
Approved* November 23* 1992.
First Bank System* Inc., Minneapolis* Minnesota —
acquire Bank Shares Incorporated, and Marquette
Bank Minneapolis* N.A.
Approved* November 23* 1992.

to

BOARD OPERATIONS
Budget for 1993.
Approved* November 25* 1992.
Office of the Inspector General —
Approved* November 25* 1992.

budget for 1993.

REGULATIONS AND POLICIES
Uniform criminal referral regulation —
Proposed* November 25* 1992.

adoption.

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

branches, domestic

Richmond




Signet Bank / Maryland* Baltimore* Maryland — to
establish an electronic funds transfer facility at
the Maryland House Visitors Center on Interstate
95* Aberdeen* Maryland.
Approved* November 24* 1992.

H .2
NOVEMBER 23, 1992
PAGE 2

TO

NOVEMBER 28, 1992

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

BANK HOLDING COMPANIES




New York

Amboy Bancorporation, Old Bridge, New Jersey -- to
engage in the construction of low and moderate
income rental units through Woodhaven at South
Brunswick, L.P., South Brunswick, New Jersey.
Approved, November 25, 1992.

San Francisco

American Marine Bank Employee Stock Ownership Plan,
Bainbridge Island, Washington — to acquire
American Marine Bank.
Returned, November 25, 1992.

S t . Louis

Area Bancshares Corporation, Owensboro, Kentucky —
to acquire Southern Deposit Bank, Russellville,
Kentucky.
Approved, November 24, 1992.

Kansas City

CBI - Kansas, Inc., Kansas City, Missouri — to
acquire Union Financial Corporation, Manhattan,
Kansas.
Approved, November 27, 1992.

Kansas City

Citizens National Corporation, Wisner, Nebraska —
acquire The First National Bank of Belden.
Approved, November 24, 1992.

Richmond

City Holding Company, Charleston, West Virginia — to
acquire The Buffalo Bank, Eleanor, West Virginia.
Approved, November 23, 1992.

Chicago

Comerica Incorporated, Detroit, Michigan — to engage
de novo in a community investment project through
William Street Apartments Limited Partnership, Ann
Arbor, Michigan.
Permitted, November 24, 1992.

Kansas City

Commerce Bancshares, Inc., Kansas City, Missouri —
to acquire Manufacturers Bancorp, Inc.,
Leavenworth, Kansas, Manufacturers State Bank;
First National Bank of Bonner Springs, Bonner
Springs, Kansas, Lenexa Bancorporation, Inc.,
Lenexa, Kansas, Lenexa National Bank; Union
Financial Corporation, Manhattan, Kansas, and Union
National Bank and Trust Company.
Approved, November 27, 1992.

to

H.2
NOVEMBER 23, 1992
PAGE 3

TO

NOVEMBER 28, 1992

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

BANK HOLDING COMPANIES




Minneapolis

Fairview Bancorporation, Inc,, Fairview, Montana -to acquire Fairview Bank.
Approved, November 23, 1992.

Atlanta

First Alabama Bancshares, Inc., Montgomery, Alabama
- to acquire Security Federal Savings and Loan
Association, Nashville, Tennessee, and First
Security Bank of Tennessee.
Approved, November 25, 1992.

Atlanta

First Alabama Bancshares, Inc., Montgomery, Alabama
- proposal that Security Federal Savings and Loan
Association, Nashville, Tennessee, be merged with
First Security Bank of Tennessee.
Approved, November 25, 1992.

Atlanta

First Alabama Bancshares, Inc., Montgomery, Alabama
- to acquire First Security Bank of Tennessee,
Nashville, Tennessee.
Approved, November 25, 1992.

Richmond

First Union Corporation, Charlotte, North Carolina to acquire PSFS Thrift Holding Company,
Philadelphia, Pennsylvania, and Meritor Savings,
F.A., Winter Haven, Florida.
Approved, November 23, 1992.

Minneapolis

Marquette Bancshares, Inc., Minneapolis, Minnesota to engage de novo in lending and data processing
activities.
Permitted, November 25, 1992.

Chicago

Northern Trust Corporation, Chicago, Illinois — to
engage in executing and clearing contracts and
options for customers through Northern Futures
Corporation.
Returned, November 27, 1992.

Cleveland

Society Corporation, Cleveland, Ohio — to acquire
First Federal Savings and Loan Association of Fort
Myers, Fort Myers, Florida.
Approved, November 28, 1992.

H.2
NOVEMBER 23, 1992
PAGE 4

TO

NOVEMBER 28, 1992

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

BANK HOLDING COMPANIES
Minneapolis

Wishek Bancorporation, Inc., Wishek, North Dakota —
to engage de novo in lending activities.
Permitted, November 25, 1992.

BANK MERGERS
Atlanta

Peoples Bank and Trust Company, Selma, Alabama — to
merge with Citizens Bank of Prattville, Prattville
Alabama.
Approved, November 27, 1992.

BANK PREMISES
New York

Banco Popular de Puerto Rico, San Juan, Puerto Rico
- investment in bank premises.
Approved, November 24, T992.

Richmond

F & M Bank - Winchester, Winchester, Virginia —
investment in bank premises.
Approved, November 25, 1992.

New York

Morgan Guaranty Trust Company of New York, New York,
New York — investment in bank premises.
Approved, November 24, 1992.

S t . Louis

Scott County State Bank, Scottsburg, Indiana —
investment in bank premises.
Approved, November 24, 1992.

CAPITAL STOCK
Chicago

Bosshard Financial Group, Inc., La Crosse,
Wisconsin — redemption of shares.
Approved, November 27, 1992.

CHANGE IN BANK CONTROL




Kansas City

Consolidated Insurance, Inc., Hill City, Kansas —
change in bank control.
Permitted, November 24, 1992.

Dallas

First Capital Bancorp, Inc., Delhi, Louisiana —
change in bank control.
Returned, November 24, 1992.

H .2
NOVEMBER 23, 1992
PAGE 5

TO

NOVEMBER 28, 1992

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

CHANGE IN BANK CONTROL
Dallas

Rusk County Bancshares, Inc., Henderson, Texas —
change in bank control.
Returned, November 24, 1992.

COMPETITIVE FACTORS REPORTS




Dallas

Bank of East Texas, Chester, Texas, and First State
Bank, Wells, Texas, proposed merger with Texas
Bank, N.A., Lufkin, Texas — report on competitive
factors.
Submitted, November 23, 1992.

Richmond

Carolina First Bank, Greenville, South Carolina,
proposed acquisition of certain assets and
assumption of the liability to pay deposits made in
the Piedmont, South Carolina, branch of Republic
National Bank, Columbia, South Carolina — report
on competitive factors.
Submitted, November 24, 1992.

Chicago

Charter Bank and Trust of Illinois, Hanover Park,
Illinois, proposed merger with First National Bank
of Hoffman Estates, Hoffman Estates, Illinois —
report on competitive factors.
Submitted, November 24, 1992.

Philadelphia

Collective Federal Savings Bank, Egg Harbor, New
Jersey, proposed merger with Montclair Savings
Bank, Upper Montclair, New Jersey — report on
competitive factors.
Submitted, November 23, 1992.

Philadelphia

Collective Federal Savings Bank, Egg Harbor, New
Jersey, proposed purchase of four branch offices
(Eatontown, Ocean Township, Brick Town, and Toms
River, New Jersey) of First Nationwide Bank, FSB,
San Francisco, California — report on competitive
factors.
Submitted, November 23, 1992.

H.2
NOVEMBER 23, 1992
PAGE 6

TO

NOVEMBER 28, 1992

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

COMPETITIVE FACTORS REPORTS
San Francisco

Dixie State Bank, St. George, Utah, proposed merger
with First Security Bank of Utah, National
Association, Ogden, Utah — report on competitive
factors.
Submitted, November 23, 1992.

Atlanta

First Florida Bank, Tampa, Florida, proposed merger
with Barnett Bank of Hillsborough County — report
on competitive factors.
Submitted, November 23, 1992.

San Francisco

First Security Bank of Utah, N.A., Ogden, Utah,
proposed merger with Dixie State Bank. St. George,
Utah — report on competitive factors.
Submitted, November 23, 1992.

Philadelphia

Fulton Bank, Lancaster, Pennsylvania, proposed merger
with Denver National Bank, Denver, Pennsylvania —
report on competitive factors.
Submitted, November 24, 1992.

EXTENSIONS OF TIME




Dallas

A.N.B. Holding Company, Ltd., Terrell, Texas —
extension to February 23, 1993, to acquire American
National Bank of Terrell.
Granted, November 23, 1992.

New York

Banco de Santander, S.A. de Credito, Santander, Spain
— extension to November 25, 1993, to acquire
shares of First Fidelity Bancorporation,
Lawrenceville, New Jersey.
Granted, November 25, 1992.

New York

United Counties Bancorporation, Cranford, New
Jersey — extension to February 28, 1993, to
acquire up to 9.9 percent of the shares of Central
Jersey Bancorp, Freehold, New Jersey.
Granted, November 25, 1992.

H.2
NOVEMBER 23, 1992
PAGE 7

TO

NOVEMBER 28, 1992

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

INTERNATIONAL OPERATIONS
Secretary

First Interstate Bank International, Los Angeles,
California — to change its name to Standard
Chartered Bank International.
Approved, November 27, 1992.

RESERVE BANK OPERATIONS




Director, FRBO

Federal Reserve Bank of Chicago — to proceed with
final design phase of renovation project.
Approved, November 25, 1992.

H.2
NOVEMBER 23, 1992
PAGE 8

ADDITIONS AND CORRECTIONS
TO

NOVEMBER 28, 1992

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

ENFORCEMENT

CBC, Inc., Clovis, New Mexico — final decision and
order assessing civil money penalties against CBC,
Lynell G. Skarda, Langdon L. Skarda, and Ken
Carruthers.
Authorized, November 16, 1992.

m m m m mb m m shmi




Regulation C — amendment setting a new exemption
standard for nondepository mortgage lenders to
implement section 224 of the Federal Deposit
Insurance Corporation Improvement Act of 1991
(Docket R-0771).
Approved, November 17, 1992.
Regulation D — amendment to index the low reserve
tranche for transaction accounts for depository
institutions, increase the reserve requirement
exemption amount, and maintain the deposit
reporting cutoff level for 1993 (Docket R-0781).
Approved, November 18, 1992.

H .2

ADDITIONS AND CORRECTIONS

NOVEMBER 23, 1992
PAGE 9

TO

NOVEMBER 28, 1992

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

BANK HOLDING COMPANIES
Richmond

Eagle Financial Corporation, Berryville, Virginia -to engage in community development activities.
Approved, November 21, 1992.

BANK PREMISES
Chicago

Unionbank, Streator, Illinois —
premises.
Approved, November 20, 1992.

investment in bank

COMPETITIVE FACTORS REPORTS




Chicago

Peoples State Bank of St. Joseph, St. Joseph,
Michigan, proposed merger with Harbor Country
Banking Company, Three Oaks, Michigan — report on
competitive factors.
Submitted, November 20, 1992.

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS
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
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
♦Rating Definitions:
"0" - Outstanding; "S" - Satisfactory;
Needs to Improve; "SN" - Substantial Noncompliance.
Institution

Examination Date

State Street Bank and
Trust Company
225 Franklin Street
Boston, Massachusetts 02101
Telephone: 617-786-3000

July 7, 1992

"N" -




"S"

Federal Reserve Bank of New York
Comment Period
Ending Date

SECTION I
Applications Subject to Newspaper
___________ Notice Only___________
None.
SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
None.
SECTION III
Nonbanking Applications
(Subject to Federal Register Notice Only)
None.
SECTION IV
Applications Not Involving
______ Public Comment______
None.
SECTION V
Availability of CRA Public Evaluations
In connection with the assessment of each insured depository
institution's CRA performance, a rating is assigned from the
following group:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and
is a leader in, ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of
ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.




Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record
of ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record
of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate- income neighbor­
hoods, in a manner consistent with its resources and capabilities.
Week Ending November 28. 1992
NAME OF BANK

RATING

EXAMINATION DATE

None.

1/
2/
3/
4/

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 Available




FEDERAL RESERVE BANK OF PHILADELPHIA
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY

Comment Period Ending Date
NONE.

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

Comment Period Ending Date
NONE.
SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY

Comment Period Ending Date
NONE.
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE

NONE.
1/ Subject to provisions of Community Reinvestment Act.
* N/A - not yet available.




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 27, 1992

Identification of Ratings
In connection with the assessment of each insured depository
performance, a rating is assigned from the following groups:

institution's

CRA

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

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

Bank/Location

Examination Date

CRA Rating

Security First Bank
1223 N. Providence Road
Media, PA 19603

6/1/92

Satisfactory

Freedom Valley Bank
1522 McDaniel Drive
West Chester, PA 19382

6/15/92

Satisfactory

Orrstown Bank
3580 Orrstown Road
P.O.Box 60
Orrstown, PA 17244

6/29/92

Satisfactory

Founders Bank
101 Byra Mawr Ave.
Bryn Mawr, PA 19010

7/13/92

Needs to improve

First Bank of Philadelphia
1424 Walnut Street
Philadelphia, PA 19102

5/18/92

Satisfactory




Federal Reserve Bank of Cleveland
Applications Bulletin
For Week Ending November 28, 1992
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
Received OAKAR application from Huntington
Bancshares Incorporated, Columbus, Ohio on
November 12, 1992, to merge Charter Oak
Federal Savings Bank, Cincinnati, Ohio, with
The Huntington National Bank, Columbus, Ohio.

* December 14, 1992

Received application from The Fifth Third
Bank, Cincinnati, Ohio, on November 27, 1992,
to acquire six Cincinanti, Ohio, area branches
of The First National Bank, Dayton, Ohio.

* Not Yet Known #

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
Received Section 3(a) (5) application from
* N: December 26, 1992
Banc One Corporation, Columbus, Ohio, on
November 27, 1992, to acquire Key Centurion
Bancshares, Inc., Charleston, West Virginia.
Received Section 3(a)(l) and 3 ( a ) (5)
application from Mellon Bank Corporation,
on November 25, 1992, to acquire Boston Group
Holdings, Inc., New York, New York.

* Not Yet Known #

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
Received Section
One Corporation,
1992, to acquire
Charleston, West

4 ( c ) (8) applciation from Banc
Columbus, Ohio, on November 27,
Reliable Mortgage Company,
Virginia.

Received Section 4( c ) (8) applciation from
Mellon Bank Corporation, Pittsburgh,
Pennsylvania, on November 25, 1992, to acquire
the non-bank subsidiaries of Boston Group
Holdings, New York, New York.

*
N
F
#

-

Not Yet Known #

Not Yet Known #

Subject to CRA
Newspaper Comment Period
Federal Register Comment Period
Expected to end approximately 30 days from date of
application's receipt.




Applications Bulletin
F o r W e e k E n d i n g N o v e m b e r 28,

1992

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
(Continued)
Received Section 4 ( c ) (8) application from
December 21, 1992
Huntington Bancshares Incorporated, Columbus,
Ohio, on October 13, 1992, to expand the
scope of the activities of its wholly-owned
subsidiary, The Huntington Company, to
include private placement and riskless principal
activities; underwriting and dealing in
bank-ineligible securities; and providing
securities brokerage and investment and financial
advisory services, underwriting and dealing in
governmental obligations and money market
instruments.
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
Received request from Croghan Colonial Bank,
Fremont, Ohio, on November 23, 1992, for permission
to exceed its limit of investment in bank premises
permitted under Section 24A of the Federal Reserve Act.*

*
N
F
#

-

Subject to CRA
Newspaper Comment Period
Federal Register Comment Period
Expected to end approximately 30 days from date of
application's receipt.




AVAILABILITY OF CRA PUBLIC EVALUATIONS
(November 27, 1992)

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 27,
1992.
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
lowand
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 moderateincome 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 lowand moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
The Dime Bank
200 Putnam Street
Marietta, Ohio 45750
(614) 373-0237
Rating:
Outstanding
Exam Date:
August 31, 1992




Federal Reserve Bank of Richmond

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

Notice of Change in Control with respect
to FWB Bancorporation, Rockville, Maryland.
First Southern Bancorp, Inc., Asheboro,
North Carolina, to become a bank holding
company through the acquisition of First
Southern Savings Bank, S .S .B . Asheboro,
,
North Carolina.*

12-9-92**

12-21-92

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

NationsBank Corporation, Charlotte, North
Carolina, to acquire substantially all
of the assets and assume substantially
all of the liabilities of Chrysler First,
Inc., Allentown, Pennsylvania.

Not yet available.

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

Comment Period Ending Date

None.

*Application is subject to CRA requirements.
**Expiration of comment period specified in the Federal Register.






Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending November 27. 1992
Section 1 - Applications Subject to Newspaper Notice Only

Application

Comment Period Ending Date

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

Application

Comment Period Ending Date

Eva Bancshares, Inc.
Eva Alabama
1-BHC formation, First Bank of Eva,
Eva, Alabama.

12-14-92*
Federal Register

Florida Barnett Corporation
Jacksonville, Florida
1-BHC formation, Barnett Bank of
Hillsborough County, Tampa, Florida.

12-18-92*
Federal Register

Early Bancshares, Inc.
Blakely, Georgia
1-BHC formation, Bank of Early,
Blakely, Georgia.

Not yet available*

SunTrust Banks, Inc.
Atlanta, Georgia
Along with its bank holding company
subsidiary, Sun Banks, Inc., Orlando,
Florida, to acquire The Flagler Bank
Corporation, West Palm Beach, Florida,
and thereby indirectly acquire its bank
subsidiary, Flagler National Bank, West
Palm Beach, Florida.

Not yet available*

Claiborne Holding Company, Inc.
Tazewell, Tennessee
Change in control by Eleanor Yoakum
Barger to acquire an additional 12.42
percent of the outstanding shares of
common stock.
Total ownership will
equal 31.64 percent.

12-08-92*
Federal Register

♦Subject to Provisions of the Community Reinvestment Act.



Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending November 27. 1992
Section 3 - Applications Subject to Federal
Register Notice Only
Application

Comment Period Ending Date

Brannen Banks of Florida, Inc.
Inverness, Florida
To engage d e n o v o in making and
servicing mortgage loans, pursuant
to Section 225.25(b)(1)(iii) of
Regulation Y.

12-18-92

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Barnett Bank of Lake Okeechobee
Okeechobee, Florida
Request for increase in bank premises.
Barnett Bank of Pasco County
New Port Richey, Florida
Request for increase in bank premises.
Barnett Bank of the St. Johns
St. Augustine, Florida
Request for increase in bank premises.
Barnett Bank of Treasure Coast
Port St. Lucie, Florida
Request for increase in bank premises.
Barnett Bank of Southwest Georgia
Columbus, Georgia
Request for increase in bank premises.
Volunteer State Bancshares, Inc.
Portland, Tennessee
To redeem 114,039 shares (50 percent)
its outstanding common stock.




of

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending November 27. 1992
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:
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
lowand
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 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

to i m p r o v e r e c o r d o f m e e t i n g c o m m u n i t y 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- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.

Needs

n o n c o m p l i a n c e in m e e t i n g c o m m u n i t y c r e d i t 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.
Substantial

Examination
Bank

Rating

,Date

United Citizens Bank
Post Office Box 1810
Alachua, Florida 32615
(904) 462-5983

Satisfactory

08-17-92

Blackshear Bank
Post Office Box 189
Blackshear, Georgia
(912) 449-6685

Satisfactory

08-24-92




31516

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

Type

Application

Branch

Harbor Springs State Bank
Harbor Springs, Michigan
2201 E. Mitchell Street
Petoskey, Michigan*

N

- 11-23-92

Branch

Harbor Springs State Bank
Harbor Springs, Michigan
330 E. Mitchell Street
Petoskey, Michigan*

N

- 11-23-92

Branch

Lake Forest Bank and Trust Company
Lake Forest, Illinois
Corner of Bank Lane & Wisconsin Avenue
Lake Forest, Illinois*

N

- 11-22-92

Dakar

Royal Bancshares, Inc.
Elroy, Wisconsin
Hillsboro Branch of AnchorBank, S.S.B.
Hillsboro, Wisconsin*

N

- **

Branch

Bank of Lakeview
Lakeview, Michigan
7490 Northland Drive
Stanwood, Michigan*

N

- **

EFT

Chemical Bank and Trust Company
Midland, Michigan
Dow Chemical Company Research
Campus Gate 76, Washington Street
Midland, Michigan*

N

- **




Federal Reserve Bank of Chicago

Type

Section II - Applications Subject to Both Newspaper and Federal
Register Notice
Comment Period
Ending Date
Application

Y-2

Gibson Investment Company
Gibson, Iowa
Wingo, Ltd.
Brooklyn, Iowa
Poweshiek County Savings Bank
Brooklyn, Iowa*

FR - 11-20-92
N - 11-23-92

CoC-HC

Wingo, Ltd.
Brooklin, Iowa
Roll in R. Harder

FR _ 11-17-92
N - 11-11-92

Y-2

First Busey Corporation
Urbana, Illinois
Empire Capital Corporation
LeRoy, Illinois
LeRoy State Bank
LeRoy, Illinois*

FR - 11-27-92
N - 11-16-92

Y-l

Bourbonnais Bancorp, Inc.
Wheaton, Illinois
Bank of Bourbonnais
Bourbonnais, Illinois*

Y-2

Illinois State Bancorp, Inc.
Wheaton, Illinois
Bourbonnais Bancorp, Inc.
Wheaton, Illinois
Bank of Bourbonnais
Bourbonnais, Illinois
Presidential Holdings, Inc.
Bourbonnais, Illinois*

Y-l

GFH Corp.
Elmhurst, Illinois
Community Bank of Elmhurst
Elmhurst, Illinois (in organization)*

Y-2




Peotone Bancorp, Inc.
Peotone, Illinois
SC Bancorp, Inc.
Worth, Illinois
The Sun City Bank
Sun City, Arizona*

FR - 12-4-92
N

-

**

FR - 12-4-92

N

-

**

FR - 12-4-92
N

-

**

FR - 12-14-92
N - **

Federal Reserve Bank of Chicago

Type

Section II - Applications Subject to Both Newspaper and Federal
Register Notice
fContinued)
Comment Period
Application
Ending Date
FR - 12-14-92

Y-l

Guaranty Financial, M.H.C
Milwaukee, Wisconsin
Guaranty Bank, S.S.B.
Milwaukee, Wisconsin*

Y-l

First Insurance Finance Company
Des Moines, Iowa
Farmers and Miners Bank
Lucas, Iowa*

FR - **
N - 12-11-92

Y-l

Cashton Bancshares, Inc.
Cashton, Wisconsin
Bank of Cashton
Cashton, Wisconsin*

FR - 12-18-92
N - 12-11-92

N

- **

Y-2

Citizens Financial Corporation Employee
Stock Ownership Plan and Trust
Fort Atkinson, Wisconsin
Citizens Financial Corporation
Fort Atkinson, Wisconsin
Citizens State Bank
Fort Atkinson, Wisconsin*

FR - **
N - **

CoC-HC

Monona Bankshares, Inc.
Monona, Wisconsin
Lyndon D. Jackson

FR - **
N - **

Y-l

Naperville Joliet Investment Co.
Northbrook, Illinois
Westbank/Will County
Joliet, Illinois
Westbank/Naperville
Naperville, Illinois*

FR - **
N - **

Y-2

Comerica Incorporated
Detroit, Michigan
NorthPark National Bank of Dallas
Dallas, Texas*

FR - **
N - **

Y-l

Comerica Texas Incorporated
Detroit, Michigan
NorthPark National Bank of Dallas
Dallas, Texas*

FR - **
N - **




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

Type

Application

4(c) (8)

Lincolnshire Bancshares, Inc.
Lincolnshire, Illinois
To purchase participations from their
banking subsidiary

FR - 12-18-92

4(c)(8)

Irwin Financial Corporation
Columbus, Indiana
Irwin Union Securities, Inc.
Columbus, Indiana

FR - 11-27-92

Y-4

Northern Trust Corporation
Chicago, Illinois
Northern Futures Corporation
Chicago, Illinois

FR - 12-7-92

4(c)(8)

Cole-Taylor Financial Group, Inc.
Northbrook, Illinois
Cole Taylor Life Insurance Company, Inc m
Wheeling, Illinois

FR - 12-4-92

4(c)(8)

Cole-Taylor Financial Group, Inc.
Northbrook, Illinois
Cole Taylor Finance Company, Inc.
Wheeling, Illinois

FR - 12-4-92

4(c)(8)

Denmark Bancshares, Inc.
Denmark, Wisconsin
L. McDonald Insurance Agency, Inc.
Denmark, Wisconsin

FR - 12-4-92

4(c) (8)

Marshall & Ilsley Corporation
Milwaukee, Wisconsin
M&I Capital Markets Group, Inc.
Milwaukee, Wisconsin

FR - 12-7-92

4(c)(8)

Citizens Bankshares, Inc.
Shawano, Wisconsin
Wisconsin Finance Corporation
Shawano, Wisconsin

FR - 12-7-92




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

Type

Application

Y-4

Merchants and Manufacturers Bancorporation,
Inc.
Greendale, Wisconsin
Lincoln Savings Bank, S.A.
Milwaukee, Wisconsin

FR - 12-7-92
N - 12-5-92

Y-4

First Insurance Finance Company
Des Moines, Iowa
To continue to engage in the making
and servicing of loans

FR - **

Y-4

Amcore Financial, Inc.
Rockford, Illinois
Rockford Mercantile Agency
Rockford, Illinois— To operate as a
collection agency

FR - 12-18-92

4(c) (8)

Citizens Financial Corporation
Fort Atkinson, Wisconsin
Purchase loan participation certificates
from its sub, Citizens State Bank

FR - 12-18-92

Y-4

First Colonial Bankshares Corporation
Chicago, Illinois
First Colonial Investment Services
Elmhurst, Illinois

FR - **

Y-4

Bank of Montreal
Montreal, Canada
Harris Futures Corporation
Chicago, Illinois

FR - **

Y-4

Bankmont Financial Corp.
New York, New York
Harris Futures Corporation
Chicago, Illinois

FR - **




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

Type

Application

Y-4

Harris Bankcorp, Inc.
Chicago, Illinois
Harris Futures Corporation
Chicago, Illinois

FR - **

Y-4

Republic Bancorp, Inc.
Ann Arbor, Michigan
Market Street Mortgage Corporation
Tampa, Florida

FR - **




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

Application

Membership

Westby-Coon Valley State Bank
Westby, Wisconsin
To b e c o m e a member of the Federal
Reserve System*

RoS

Wingo, Ltd,
Brooklyn, Iowa
To redeem 10,469 shares of common stock

N
FR
*
**

Newspaper
Federal Register
- Subject to Provisions of Community Reinvestment Act
- Not availcrf>le at this time
-







Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING NOVEMBER 27, 1992

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application

End of Comment Period

None.

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

End of Comment Period

Change in control notification involving Worthen
Banking Corporation, Little Rock, Arkansas by
Jackson T. Stephens

Federal Register: 12-10-92

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.




FEDERAL RESERVE BANK OF ST. LOUIS
St. Louis, Missouri

AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification of Ratings:
Outstanding record of meeting community credit needs
A n institution in this group has an outstanding record of, a n d is a leader in, ascertaining a n d helping
to m e e t the credit needs of its entire delineated community, including low- a n d moderate-income
neighborhoods, in a manner consistent with its resources a n d capabilities.
Satisfactory record of meeting community credit needs
A n institution in this group has a satisfactory record of ascertaining a n d helping to m e e t the credit
needs of its entire delineated community, including low- and moderate- income neighborhoods, in a
m anner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs
A n institution in this group needs to improve its overall record of ascertaining a n d helping to me e t
the credit needs of its entire delineated community, including l o w- a n d moderate-income
neighborhoods, in a manner consistent with its resources a nd capabilities.
Substantial noncompliance in meeting community credit needs
A n institution in this group has a substantially deficient record of ascertaining a n d helping to m e e t
the credit needs of its entire delineated community, including t o w- a n d moderate-income
neighborhdods, in a manner consistent with its resources a n d capabilities.

FOR THE WEEK ENDING

Name of Bank

None




November 27, 1992

Bank Address

Examination
Date

Examination
Rating

FEDERAL RESERVE BANK OF MINNEAPOLIS

Section I - Applications Subject to
Newspaper Notice Only
Comment Period
Endincr Date

Application
None.

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Comment Period
Endincr Date

Application
Bank of Montana System
Great Falls, MT
To acquire 100% of the voting shares of
Montana Bancsystem, Inc., Billings, MT*

12-14-92
(Federal Register)

Security State Bank of North Dakota
Hannaford, ND
To acquire 100% of Farmers State Bank,
Carrington, ND*

12-18-92
(Federal Register)

Security State Bank Holding Company
Hannaford, ND
To indirectly acquire 100% of Farmers
State Bank, Carrington, ND*

12-18-92
(Federal Register)

Harold R. Wanke, Otto Baltrusch, Charles R.
Celania & Leian Celania
To increase their combined ownership from
13.96% to 25.17% of the voting shares of
First Security Bank of Havre, Havre, MT

Not yet available

Section III - Applications Subject
to Federal Register Notice Only

Application
Ormsby Bancshares, Inc.
Ormsby, MN
To encracre de novo in makina and
servicing loans.

♦Subject to CRA



Comment Period
Endincr Date
12-14-92

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section III - Applications Subject
to Federal Register Notice Only (Continued)
Comment Period
Ending Date

Application
Norwest Corporation
Mpls, MN
To engage de novo in community
development activities.

12-14-92

Norwest Corporation
Mpls, MN
To engage in data processing
activities through the acquisi­
tion of the assets of Compre­
hensive Computer Solutions,
Inc., Spring Valley, NY

12-14-92

Consolidated Holding Company
Oldham, SD
To engage in general insurance
agency activities through the
acquisition of Farmers Investment
Company, Oldham, SD

Not yet available

Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
NorBanc Group, Inc.
Pine River, MN
To redeem 9.4% of its voting
shares and 100% of its pre­
ferred stock.




FEDERAL RESERVE BANK OF MINNEAPOLIS

Section V - Availability of
CRA Public Evaluations
week ending November 27, 1992
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 lowand 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 moderateincome 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
None.




DATE OF EXAMINATION

CRA RATING

Federal Reserve 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

First Western Corporation, Kimball,
Nebraska, for prior approval to
acquire 100 percent of the voting
shares of Citywide Bank of
Northglenn, Northglenn, Colorado.*

October 23, 1992

Phillips Holdings, Inc., Stuttgart,
Kansas, for prior approval to become
a bank holding company through the
acquisition of 100 percent of the
voting shares of The Farmers State
Bank, Stuttgart, Kansas.*

October 26, 1992

Fourth Financial Corporation,
Wichita, Kansas, for prior approval
to acquire 100 percent of the voting
shares of The Fourth National Bank of
Tulsa, Tulsa, Oklahoma, through a
merger with its parent, Fourth
National Corporation, Tulsa,
Oklahoma.*

November 6, 1992

Brooke Corporation, Jewell, Kansas,
for prior approval to acquire 5.53
percent of the voting shares of
Phillips Holdings, Inc., Stuttgart,
Kansas.*

November 6, 1992

Brooke Holdings, Inc., Jewell,
Kansas, for prior approval to acquire
5.53 percent of the voting shares of
Phillips Holdings, Inc., Stuttgart,
Kansas.*

November 6, 1992

BancWest, Inc., Edmond, Oklahoma, to
become a bank holding company through
the acquisition of 100 percent of the
voting shares of Leedey
Bancorporation, Inc., Leedey,
Oklahoma, and 81 percent of the
voting shares of Thomas Bancshares,
Inc., Thomas, Oklahoma.*

November 12, 1992




Federal Reserve Bank of Kansas City

Cornhusker Growth Corporation,
Lincoln, Nebraska, for prior approval
to become a bank holding company
through the acquisition of 100
percent of the voting shares of
Cornhusker Bank, Lincoln, Nebraska.*

November 13, 1992

Edward Addison Cook, III, et al,
Gothenburg, Nebraska, for prior
approval to acquire 100 percent
ownership in First Gothenburg
Bancshares, Inc., Gothenburg,
Nebraska.

November 10, 1992

Winter Trust of 12/3/74, Ottawa,
Kansas, for prior approval to become
a bank holding company through the
retention of 100 percent of the
voting shares of El Paso Bancshares,
Inc., Monument, Colorado.*

November 13, 1992

Golden Plains Bankshares, Inc.,
Phillipsburg, Kansas, to acquire 100
percent of Logan Bancshares, Inc.,
Logan, Kansas.*

November 16, 1992

Hopeton Bancshares,
Oklahoma, to become
company through the
91.5 percent of the
Hopeton State Bank,
Oklahoma.*

November 16, 1992

Inc., Hopeton,
a bank holding
acquisition of
voting shares of
Hopeton,

Pine River Bank Corp., Bayfield,
Colorado, for prior approval to
become a bank holding company through
the acquisition of 90 percent of the
voting shares of Pine River Valley
Bank, Bayfield, Colorado.*

November 16, 1992

CNB Financial Corporation, Kansas
City, Kansas, for prior approval to
acquire 100 percent of the
outstanding common stock of Security
State Bank of Fort Scott, Fort Scott,
Kansas.*

Not Available

Wally Bancorp, Inc., Parker,
Colorado, for prior approval to
become a bank holding company through
the acquisition of The Community Bank
of Parker, Parker, Colorado.*

Not Available




Federal Reserve Bank of Kansas City

Citizens Bancshares Co., Chillicothe,
Missouri, for prior approval to
acquire 100 percent of the voting
shares of Blackwater Bancshares,
Inc., Blackwater, Missouri.*

Not Available

Central Service Corporation, Enid,
Oklahoma, for prior approval to
acquire, through merger, Ponca
Bancshares, Inc., Ponca City,
Oklahoma.*

Not Available

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

Brooke Holdings, Inc., Jewell,
Kansas, for prior approval to acquire
100 percent of the voting shares of
Mid Kansas Insurance Agency, Wichita,
Kansas.

Not Available

Fourth Financial Corporation,
Wichita, Kansas, for prior approval
to acquire Fourth National
Corporation's three nonbanking
subsidiaries, Fourth Mortgage &
Investment Company, Fourth Investment
Advisors, Inc., and Roe & Cochran,
Inc., all located in Tulsa, Oklahoma.

November 6, 1992

First Western Corporation, Kimball,
Nebraska, for prior approval to
continue to engage in insurance
activities and loan origination
activities.

October 23, 1992

Brooke Corporation, Jewell, Kansas,
Not Available
for prior approval to acquire 100
percent of the voting shares of Mid
Kansas Insurance Agency, Wichita,
Kansas.
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
APPLICATION
Valley
Falls,
redeem
common



Falls Insurance, Inc., Valley
Kansas, for prior approval to
2,076 shares of its nonvoting
stock.

Not Available

Federal Reserve Bank of Kansas City

First Pioneer Bank Corporation,
Brush, Colorado, for prior approval
to redeem 18,708.6135 shares of its
own voting common stock.
SECTION V

Not Available

- AVAILABILITY OF CRA PUBLIC EVALUATIONS

I d e n t i f i c a t i o n 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 meet i n g 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 moderateincome neighborhoods,
in a manner consistent with its
resources and capabilities.
Satisfactory

record of meet i n g

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 moderateincome neighborhoods,
in a manner consistent with its
resources and capabilities.
Needs

to

improve

record of meeting community credit

needs

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

noncompliance

in mee t i n g c ommunity

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

None.*

*Application is subject to CRA.



CRA Public
Date

CRA
Rating

FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN

APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF NOVEMBER 23, 1992

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
Johnny Ray Cody, Ennis, TX, to acquire an interest in
First National Bancorporation of Ennis, Inc., Ennis, TX
(Previously filed during the week of 11-2-92)

92/11/22

Change in Control Notice by
James William Collins, McAllen, TX, to acquire an
interest in Gulf Southwest Bancorp, Inc., Houston, TX

N/A

Change in Control Notice by
James William Collins, McAllen, TX, to acquire an
interest in Texas Regional Bancshares, Inc., McAllen, TX

N/A

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
APPLICATION
Section 4(c)(8) application by
First United Bank Group, Inc., Albuquerque, NM, to
acquire United New Mexico Credit Life Insurance Company,
Albuquerque, NM (engage in selling credit life, disability,
or involuntary unemployment insurance)
(Previously reported during the week of 11-2-92)
Section 4(c)(8) application by
First United Bank Group, Inc., Albuquerque, NM, to
acquire United New Mexico Trust Company, Albuquerque, NM
(engage in the trust activities)
(Previously reported during the week of 11-2-92)




NOTICE EXP

92/12/04

92/12/04

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 23, 1992

Outstanding record of meeting community credit needs.
An institution in this group has an outstanding
leader in, ascertaining and helping to meet the
entire
delineated community,
including
lowneighborhoods,
in a manner
consistent with
capabilities.

record of, and is a
credit needs of its
and
moderate-income
its
resources
and

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

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

92/08/24




CRA Rating

Satisfactory

FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 11/27/92
Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

None

Section II - Applications Sub.iect to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

Westamerica Bancorporation, San Rafael,
California, to acquire 100 percent of
Napa Valley Bancorp, Napa, California. *

Newspaper:

Not available

Fed. Reg.:

12/18/92

Section III - Applications Sub.iect to Federal Register Notice Only
Application

Comment Period Ending Date

None

Section IV - Applications Not Sub.iect to Federal Register Notice
or Newspaper Notice
None

* Subject to CRA




FEDERAL RESERVE BANK OF SAN FRANCISCO (cont'd.)

Week ending 11/27/92

Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during
the week ending November 27, 1992. Information about a particular
institution's CRA evaluation may be obtained directly from the institution.
Institution

Location

Humboldt Bank

701 Fifth Street
Eureka, CA 95502
Tel: (707) 445-3233

Examination Date
8/31/92

Rating*
Outstanding

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




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