View original document

The full text on this page is automatically extracted from the file linked above and may contain errors and inconsistencies.

ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
Q \Q
FEDERAL RESERVE SYS$EFT
ACTIONS TAKEN BY THE*

3

H.2, 1996, NO. 48
Actions of the Board, its Staff, and
y tnc
,
the Federal Reserve Banks;
hu
Applications and Reports Received
D\y£j#9 the Wee* Ending November 30, 1996
INORS

BANK HOLDING COMPANIES
First Union Corporation, Charlotte, North Carolina -request for reconsideration of the Board's approval
of the proposal to acquire Home Financial
Corporation, Hollywood, Florida, and Home Savings
Bank, FSB.
Denied, November 26, 1996.
BANKS. FOREIGN
Hongkong Bank of Canada,
Vancouver, British
Columbia, Canada -- to establish state-licensed
branches in Portland, Oregon, and Seattle,
Washington, and acquire a portion of the assets and
liabilities of the existing Portland and Seattle
branches of Hongkong Shanghai Banking Corporation,
Limited, Hong Kong.
Approved, November 27, 1996.

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

Citizens Bank, Batesville, Arkansas -- to establish a
branch on Blackland Road, Pleasant Plains,
Arkansas.
Approved, November 27, 1996.

Richmond

Crestar Bank, Vienna, Virginia - - t o establish a
branch in the Kroger Supermarket at 1790 East
Market Street, Harrisonburg, Virginia.
Approved, November 29, 1996.

San Francisco

Silicon Valley Bank, Santa Clara, California - - t o
establish a branch at 5414 Oberline Drive, San
Diego, California.
Permitted, November 26, 1996.




H.2
NOVEMBER 25, 1996
PAGE 2

TO

NOVEMBER 29, 1996

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

BANK HOLDING COMPANIES




Chicago

Associated Banc-Corp., Green Bay, Wisconsin -notification of intent to engage in providing data
processing services to third parties through
Associated Banc-Corp Services, Inc.
Returned, November 27, 1996.

San Francisco

Bank of Tokyo-Mitsubishi, Ltd., Tokyo, Japan -- to
establish Tokyo-Mitsubishi Derivative Products
(USA), Inc., New York, New York.
Withdrawn, November 27, 1996.

Chicago

Capitol Bancorp, Ltd., Lansing, Michigan -- to
acquire Brighton Commerce Bank, Brighton, Michigan
Approved, November 27, 1996.

Minneapolis

Cattail Bancshares, Inc., Atwater, Minnesota -- to
engage de novo in lending activities.
Permitted, November 26, 1996.

Cleveland

Citizens Bancorp, Inc., Newport, Kentucky -- to
acquire Citizens Bank of Campbell County -- report
on competitive factors.
Permitted, November 29, 1996.

Chicago

Columbus Bancorp, Inc., Indianapolis, Indiana -- to
retain shares of Salin Bank and Trust Company.
Approved, November 27, 1996.

Dallas

Commercial National Corporation, Brady, Texas -request for waiver of application to acquire
Commercial National Bank.
Granted, November 27, 1996.

Minneapolis

Deerwood Bancshares, Inc., Deerwood, Minnesota -- to
acquire Deerwood Bancorporation, Inc.
Approved, November 27, 1996.

Minneapolis

Deerwood Bancshares, Inc., Deerwood, Minnesota -- to
engage in general insurance activities through the
acquisition of Deerwood Bancorporation, Inc.
Approved, November 27, 1996.

H.2
NOVEMBER 25, 1996
PAGE 3

TO

NOVEMBER 29, 1996

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

BANK HOLDING COMPANIES




Dallas

First State Bank, N.A., Abilene, Texas -- request for
waiver of application to become a bank holding
company by acquiring Crown Park Bancshares, Inc.,
Lubbock, Texas, and Western National Bank.
Granted, November 29, 1996.

Atlanta

Floyd Bankshares, Inc., Rome, Georgia -- to acquire
1st Floyd Bank, Rome, Georgia.
Permitted, November 27, 1996.

St. Louis

Forrest City Financial Corporation, Forrest City,
Arkansas -- to convert Forrest City Bank, FSB to a
nationally chartered commercial bank (Forrest City
Bank, N.A.).
Approved, November 27, 1996.

Atlanta

Forsyth Bancshares, Inc., Cumming, Georgia -- to
acquire The Citizens Bank of Forsyth County.
Approved, November 25, 1996.

St. Louis

Fredonia Valley Bancorp, Inc., Fredonia, Kentucky -to acquire Fredonia Valley Bank.
Permitted, November 27, 1996.

Kansas City

Haviland Bancshares, Inc., Haviland, Kansas -- to
acquire shares of Fredonia State Bancshares, Inc.
Approved, November 29, 1996.

Dallas

Independent Bankshares, Inc., Abilene, Texas -request for waiver of application to acquire Crown
Park Bancshares, Inc., Lubbock, Texas, and Western
National Bank.
Granted, November 29, 1996.

Dallas

Independent Financial Corporation, Dover, Delaware -request for waiver of application to acquire Crown
Park Bancshares, Inc., Lubbock, Texas, and Western
National Bank.
Granted, November 29, 1996.

Dallas

Maincorp Intermediate Holding Company, Inc.,
Wilmington, Delaware -- to acquire Ross Bancorp,
Inc., Red Oak, Texas, and Mainbank.
Approved, November 26, 1996.

H.2
NOVEMBER 25, 1996
PAGE 9

TO

NOVEMBER 29, 1996

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

BANK HOLDING COMPANIES




Dallas

Maincorp Intermediate Holding Company, Wilmington,
Delaware -- to acquire ROSB Bancorp, Inc., Red Oak,
Texas, and Mainbank.
Approved, November 26, 1996.

St. Louis

Mark Twain Bancshares, Inc., St. Louis, Missouri -to acquire First City Bancshares, Inc.,
Springfield, Missouri, Springfield, Missouri, and
First City National Bank.
Approved, November 26, 1996.

San Francisco

NBB Bancorp, Bremerton, Washington, and Northwestern
Bank, N.A. -- to merge with Kitsap Bank, Port
Orchard, Washington.
Permitted, November 25, 1996.

Cleveland

Pennwood Bancorp, Inc., Pittsburgh, Pennsylvania -to acquire Pennwood Savings Bank.
Approved, November 27, 1996.

Cleveland

Peoples Bancorp, Inc., Marietta, Ohio -- to acquire
Russell Federal Savings Bank, Russell, Kentucky.
Permitted, November 27, 1996.

Atlanta

Prosperity Banking Company, St,. Augustine, Florida - request for waiver of commitment.
Granted, November 25, 1996.

Chicago

Salin Bancshares, Inc., Indianapolis, Indiana -- to
retain certain shares of Columbus Bancorp, Inc.,
and acquire Columbus Bank and Trust Company,
Columbus, Indiana.
Approved, November 27, 1996.

Chicago

Sun Community Bancorp, Ltd., Tucson, Arizona -- to
acquire Bank of Tucson, Tucson, Arizona.
Returned, November 26, 1996.

San Francisco

U.S. Bancorp, Portland, Oregon -- to acquire Sun
Capital Bancorp, St. George, Utah, and Sun Capital
Bank.
Approved, November 25, 1996.

H.2
NOVEMBER 25, 1996
PAGE 5

TO

NOVEMBER 29, 1996

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

BANKS. STATE MEMBER
Director, BS&R

Bryn Mawr Trust Company, Bryn Mawr, Pennsylvania -registration as transfer agent.
Withdrawn, November 26, 1996.

CAPITAL STOCK
Kansas City

NKC Bancshares, Inc., North Kansas City, Missouri
redemption of shares.
Approved, November 25, 1996.

CHANGE IN BANK CONTROL
Atlanta

CB&T Holding Corporation, New Orleans, Louisiana -change in bank control.
Permitted, November 27, 1996.

Atlanta

First Central Bank, St. Petersburg, Florida -- change
in bank control.
Permitted, November 25, 1996.

Kansas City

Prairie Capital, Inc., Augusta, Kansas -- change in
bank control.
Permitted, November 29, 1996.

Atlanta

Terrabank, N.A., Miami, Florida -- change in bank
control.
Permitted, November 27, 1996.

COMPETITIVE FACTORS REPORTS




Chicago

Bank of Little Chute, Little Chute, Wisconsin,
proposed merger with Little Chute Interim Bank -report on competitive factors.
Submitted, November 26, 1996.

San Francisco

Bank of Rio Vista, Rio Vista, California., proposed
purchase of the assets and assumption of the
liabilities of the Walnut Grove branch of Wells
Fargo Bank, N.A., San Francisco,
California -report on competitive factors.
Submitted, November 26, 1996.

H.2

NOVEMBER 25, 1996
PAGE 6

TO

NOVEMBER 29, 1996

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

COMPETITIVE FACTORS REPORTS




Chicago

Bank One, Illinois, National Association,
Springfield, Illinois, proposed merger with Bank
One, Bloomington-Normal, Bloomington; Bank One
Champaign-Urbana, Champaign; Bank One, Chicago,
National Association, Evanston; Bank One, Peoria,
Peoria; and Bank One, Rockford, National
Association, Rockford, Illinois -- report on
competitive factors.
Submitted, November 26, 1996.

Philadelphia

Collective Bank, Egg Harbor, New Jersey, proposed
merger with Collective Bank of New Jersey, Laurel
Springs, New Jersey -- report on competitive
factors.
Submitted, November 27, 1996.

New York

Dean Witter Trust FSB, Jersey City, New Jersey,
proposed merger and corporate reorganization with
Dean Witter Trust Company -- report on competitive
factors.
Submitted, November 27, 1996.

Chicago

First National Bank, Cedar Rapids, Iowa, Cedar
Rapids, Iowa, proposed merger with First National
Bank, Iowa City, Iowa -- report on competitive
factors.
Submitted, November 25, 1996.

San Francisco

First Pacific National Bank, Escondido, California,
proposed acquisition of the assets and assumption
of the liabilities of two branches of Wells Fargo
Bank, N.A., San Francisco, California -- report on
competitive factors.
Submitted, November 27, 1996.

Chicago

LaSalle National Bank, Chicago, Illinois, proposed
merger with LaSalle National Trust, National
Association -- report on competitive factors.
Submitted, November 26, 1996.

H.2
NOVEMBER 25, 1996
PAGE 7

TO

NOVEMBER 29, 1996

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

COMPETITIVE FACTORS REPORTS




Chicago

Mt. Zion State Bank & Trust, M t . Zion, Illinois,
proposed merger with First Springfield Bank and
Trust, Springfield, Illinois -- report on
competitive factors.
Submitted, November 26, 1996.

Chicago

NAB Bank, Chicago, Illinois, proposed merger with NAB
Interim Bank -- report on competitive factors.
Submitted, November 25, 1996.

Dallas

New Gateway Bank, Dallas, Texas, proposed merger with
Gateway National Bank -- report on competitive
factors.
Submitted, November 29, 1996.

Dallas

New Inwood Bank, N.A., Dallas, Texas, proposed merger
with Inwood National Bank, Dallas, Texas -- report
on competitive factors.
Submitted, November 29, 1996.

Cleveland

Pennwood Savings Bank, Pittsburgh, Pennsylvania,
proposed merger with Pennwood Interim Savings
Bank -- report on competitive factors.
Submitted, November 27, 1996.

Minneapolis

Pioneer National Bank of Duluth, Duluth, Minnesota,
proposed merger with Pioneer Interim National
Bank -- report on competitive factors.
Submitted, November 29, 1996.

San Francisco

Prairie Security Bank, Yelm, Washington, proposed
merger with First Community Bank, Lacey, Washington
-- report on competitive factors.
Submitted, November 26, 1996.

Dallas

Prime Bank, Channelview, Texas, proposed acquisition
of the assets and assumption of the liabilities of
the branches of Bank of America Texas, N.A.,
Irving, at 595 Interstate Highway 10, Beaumont;
4100 Gulfway Drive, Port Arthur; and 2905 Nall
Interstate Highway 365, Port Neches, Texas -report on competitive factors.
Submitted, November 29, 1996.

H.2
NOVEMBER 25, 1996
PAGE 8

TO

NOVEMBER 29, 1996

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

COMPETITIVE FACTORS REPORTS




San Francisco

Riverside National Bank, Riverside, California,
proposed merger with City National Bank, Beverly
Hills, California -- report on competitive factors.
Submitted, November 26, 1996.

Cleveland

Russell Federal Savings Bank, Russell, Kentucky,
proposed merger with Peoples Acquisition Company -report on competitive factors.
Submitted, November 27, 1996.

Chicago

South Central Bank 8 Trust Company of Chicago,
Chicago, Illinois, proposed merger with South
Central Bank & Trust Company Interim Bank -- report
on competitive factors.
Submitted, November 26, 1996.

Dallas

Talco State Bank, Talco, Texas, proposed merger with
Guaranty Bank, M t . Pleasant, Texas -- report on
competitive factors.
Submitted, November 29, 1996.

San Francisco

Tri-Counties Bank, Chico, California, proposed
acquisition of the assets and assumption of the
liabilities of nine branches of Wells Fargo Bank,
N.A., San Francisco, California -- report on
competitive factors.
Submitted, November 26, 1996.

H 2

ADDITIONS AND CORRECTIONS

NOVEMBER 25, 1996
PAGE 9

TO

NOVEMBER 29, 1996

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

BANK BRANCHES. DOMESTIC

Atlanta

First Southern Bank, Boca Raton, Florida -- to
establish a branch at 7301 West Palmetto Road.
Approved, November 22, 1996.

COMPETITIVE FACTORS REPORTS




Atlanta

Regions Bank, Gainesville, Georgia, proposed merger
with Regions, FSB, Dalton, Georgia -- report on
competitive factors.
Submitted, November 8, 1996.

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS
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
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
institution

Examination Date

Rating**

NONE

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




"N" - Needs to

FEDERAL RESERVE BANK OF NEW YORK
Com m ent Period
Ending Date
SECTION I
Applications Subject to Newspaper
______Notice Only_____
Royal Bank o f Canada, Montreal, Canada, to establish a representative
office in Houston, Texas.

SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
None.

SECTION III
Nonbanking Applications
(subject to Federal Register Notice Only 1
None.

SECTION IV
Applications Not Involving
Public Comment
None.

SECTION V
Availability o f CRA Public Evaluations
In connection with the assessment o f each insured depository institution's
CRA performance, a rating is assigned from the following group:
Outstanding record o f meeting community credit needs.
An institution in this group has an outstanding record of, and
is a leader in, ascertaining and helping to meet the credit
needs o f its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record o f meeting community credit needs.
An institution in this group has a satisfactory record o f ascertaining
and helping to meet the credit needs o f its entire delineated
community, including low- and moderate- income neighborhoods,
in a manner consistent with its resources and capabilities.
N eeds 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




12/27/96

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

W eek Ending November 30.1996
NAME OF BANK

RATING

EXAM INATION DATE

The Merchant's Bank
o f New York
275 Madison Avenue
N ew York, New York 10016

Satisfactory

June 4 ,1 9 9 6

Gotham Bank o f New York
1412 Broadway
N ew York, New York 10018

Satisfactory

July 29,1996

Peapack-Gladstone Bank
158 Route 206 North
Gladstone, New Jersey 07934

Satisfactory

July 8, 1996

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




FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEW SPAPER
NOTICE ONLY
Founder Bank, Bryn M awr, PA to establish a branch office at 300 W est State Street, M edia,
PA, pursuant to Section 9 of the FRA.
Newspaper comment period expires:

12/07/96

SECTION H - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEW SPAPER
AND FEDERAL REGISTER NOTICE
Susquehanna Bancs hares, Inc.. Lititz, PA to acquire Atcorp, Inc., M arlton, NJ and its whollyowned subsidiary, Equity National Bank, Atco, NJ, Farmers Banc Corp, M ullica H ill, NJ
and Farmers National Bank, Mullica Hill, NJ, pursuant to Section 3(a)(3) of the Bank Holding
Company Act.
Newspaper comment period expires:
Federal Register comment period expires:

N/Avail
12/23/96

Commerce Bancorp. Inc.. Cherry Hill, NJ to acquire 100 percent of Independence Bancorp,
Inc., Ramsey, NJ, pursuant to Section 3(a)(3) of the Bank Holding Company Act.
Newspaper comment period expires:
Federal Register comment period expires:

N/Avail
N/Avail

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




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 29, 1996.
Identification o f Ratings
In connection with the assessment o f each insured depository institution's CRA performance, a rating
is assigned from the following groups:
O utstanding record o f m eeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping
to meet the credit needs o f its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record of m eeting community credit needs.
An institution in tliis 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
maimer consistent with its resources and capabilities.
Needs to improve record o f m eeting 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 noncom pliance in m eeting community credit needs.
An institution in this group has a substantially deficient record o f ascertaining and helping to meet the
credit needs o f its entire delineated community, including low- and moderate-income neighborhoods,
in a manner consistent with its resources and capabilities.
Bank/Location

Exam ination Date

CRA R atine

Ambassador Bank
o f the Commonwealth
4127 Tilghman Street
Allentown, PA 18104

07/22/96

Outstanding




Page 1 of 1

APPLICATIONS BULLETIN
(For the week ending November 30, 1996)

SECTION I - APPLICATIONS SUBJECT TO NEW SPAPER NOTICE ONLY
Received Section 3(a)(1) notice from American National Bancorp,
Parma, Ohio, on November 25, 1996, to acquire
The American National Bank, Parma, Ohio.

*November 11, 1996

SECTION II - APPLICATIONS SUBJECT TO BOTH NEW SPAPER AND FEDERAL
REGISTER NOTICE
NONE

SECTION f f l - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
NONE

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 o f Receipt



AVAILABILITY O F CRA PUBLIC E V ALU A TIO N S
(November 29, 1996)

The following state member banks have been examined by the Federal Reserve Bank o f
Cleveland for compliance with The Community Reinvestment Act. A public evaluation document
became available from the bank(s) listed below during the week ended November 29, 1996. If
you are interested in obtaining a copy o f an evaluation document, please contact the bank(s)
directly.
There are four descriptive ratings for CRA:
OUTSTANDING: a bank in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs o f its entire delineated community, including
low - and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
SATISFACTORY: a bank in this group has a satisfactory record o f ascertaining and
helping to meet the credit needs o f its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
N E E D S TO IM PROVE: a bank in this group needs to improve its overall record o f
ascertaining and helping to meet the credit needs o f its entire delineated community, including
low - and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
SUBSTANTIAL NON COMPLIANCE: a bank in this group has a substantially deficient
record o f ascertaining and helping to meet the credit needs o f > entire delineated community,
tc
including low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
Fayette Bank and Trust Company
58 West Main Street
Uniontown, PA 15401
Rating: Outstanding
Exam Date: 7-29-96
Disclosure Date: 11-25-96
The Andover Bank
19 Public Square
Andover, OH 44003
Rating: Outstanding
Exam Date: 4-8-96
Disclosure Date: 11-27-96




Federal Reserve Bank of Richmond
Section I - Applications Subject to Newspaper
Notice Only
Ap p l i c a t i o n

Comment P e r i o d E n d i n g D a t e

F & M Bank - Richmond, Richmond,
V i r g i n i a , to e s t a b l i s h a branch a t
6980 F o r e s t H i l l A v e n u e , Richmond,
V irg in ia .*

12 -2 5 -9 6

Bank o f t h e E a s t e r n S h o r e , C a m b r id g e ,
M a r y la n d , f o r m em bership i n t h e F e d e r a l
R e s e r v e S ystem .

12 -3 1-9 6

Section II - ApplicationsSubject to Both
Newspaper.and Federal Register Notice
Comment Period Ending Pate

Ap p l i c a t i o n
S o u th e rn N a t i o n a l C o r p o r a t i o n , W instonS ale m , N o r t h C a r o l i n a ; and BB&T F i n a n c i a l
C o r p o r a tio n o f V i r g i n i a , W in sto n -Salem ,
N orth C a r o l in a , t o a c q u i r e F i d e l i t y F i n a n c i a l
B an ksh ares o f V i r g i n i a , V i r g i n i a Beach,
V irg in ia .*

12 -4 -9 6 **

S e ctio n

III

- A p p lic a tio n s

S u b ject

to

Ap p l i c a t i o n

Federal

R e g is t e r N o tic e

Comment P e r i o d E n d in g D a t e

None.

S e c t i o n IV - A p p l i c a t i o n N o t S u b j e c t t o
F e d e r a l R e g i s t e r N o t i c e o r Newspap e r N o t i c e
Ap p l i c a t i o n
C i t y H o l d i n g Company, C h a r l e s t o n , West
V i r g i n i a , t o expand i t s e x i s t i n g m ortga ge
lo an s e r v i c i n g b u s in e s s by a c q u ir in g th e
a s s e t s o f Prim e F i n a n c i a l C o r p o r a t i o n ,
C o s t a M esa, C a l i f o r n i a .
F i r s t N a t i o n a l Bancorp, I n c . , S t . M arys,
West V i r g i n i a , t o redeem 16 .8 % o f i t s
common s t o c k .

*A p p lica tio n

is

♦ E x p ira tio n o f




su b je c t

to

CRA r e q u i r e m e n t s .

comment p e r i o d

sp e c ifie d

in

the

Federal R e g is te r .

Federal Reserve Bank of Richmond

S c i n . . = Avai1abi 1itv
eto^V__

of CRA Public Evaluations

Week ending November 29, 1996

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 con­
sistent 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
First Virginia Bank - Franklin County
228 Franklin Street
Rocky Mount, Virginia 24151-1329
Virginia Heartland Bank
4700 Harrison Road
Fredericksburg, Virginia

7-8-96

Rating

Satisfactory

8-26-96

Outstanding

First Community Bank of Saltville
109 East Main Street
Saltville, Virginia 24370

8-26-96

Outstanding

The First Bank of Stuart
Blue Ridge and Main Streets
Stuart, Virginia 24171

8-26-96

Satisfactory




22408-1815

Federal Reserve Bank of Atlanta
Applications Bulletin for. Week Ending November 29, 1996

Section 1 - Applications Subject to Newspaper Notice Only

application

Comment Period Ending Date

Fifth Third Bank of Florida
12-15-96*
Naples, Florida
To establish a branch located at 9000 Bonita Beach Road, Bonita Springs, Florida,
to be known as the Bonita Banking Center.

Section..2 ..Applications „ifl . t Both
Sie&ct. . p
Newspaper and Federal Register Notice

Appli c a t ion

Comment-Period Ending Date

Th Bancshares, Inc.
Jennings, Louisiana
1-BHC formation, Th Bank, Jennings, Louisiana.
Whitney Holding Corporation
New Orleans, Louisiana
To merge with First National Bankshares, Inc.,
directly acquire First National Bank of Houma,
Section 3(a)(5) of the Bank Holding Company Act.

12-23-96*
Federal Register

Not yet available*
Houma,
Houma,

Louisiana,
Louisiana,

and thereby
pursuant to

Section 3 - Applications Subject to Federal Register Only

Application

Comment Period Ending Date

None.

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Lamar Capital Corporation
Purvis, Mississippi
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, through its newly formed subsidiary, The Mortgage
Shop, Incorporated, Purvis, Mississippi.
Deposit Guaranty Corp.
Jackson, Mississippi
To expand the geographic scope of Deposit Guaranty Louisiana Corp., Shreveport,
Louisiana, from Louisiana, to nationwide, and thereby expand data processing
activities, pursuant to Section 225.25(b)(7) of Regulation Y and Section 4(c)(8)
of the Bank Holding Company Act.

♦Subject to provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending November 29. 1996

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 institutions CRA
evaluation may be obtained directly from the institution. In connection with the
assessment of an institution's CRA performance, a rating is assigned from the
following groups:
Outstanding record of meeting community credit needs:
An institution has an
outstanding record of, and is a leader in, ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs:
An institution has a
satisfactory record of ascertaining and helping to meet the credit needs of its
entire delineated community, including low-.and moderate-income neighborhoods, in
a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs: An institution needs
to improve its overall record of ascertaining and helping to meet the credit needs
of
its entire delineated community,
including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs: An institution has
a substantially deficient record of ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Bank

CRA Rating

Central Bank
Post Office Box 521599
Miami, Florida 33152
(305)592-6641

Satisfactory




Examination
PfrtS
08-19-96

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending November 29,_ 1996

Recently Approved Applications

Approval Pate

First Central Bank
11-25-96
St. Petersburg, Florida
After-the-fact change in control by Mr. Eldred Ralph Crawford and Mrs. Mary Lou
Crawford, to collectively retain 23.96 percent of the outstanding shares of First
Central Bank, St. Petersburg, Florida.
First Southern Bank
11-22-96
Boca Raton, Florida
To establish a branch located at 7301 West Palmetto Road, Boca Raton, Florida, to
be known as the Palmetto Park Branch.
First Southern Bank
11-22-96*
Boca Raton, Florida
To establish a branch located at 3050 North Federal Highway, Lighthouse Point,
Florida, to be known as the Lighthouse Point Branch.
Prosperity Banking Company
S t . Augustine, Florida
Commitment waiver request.

11-25-96

1st Floyd Bank
11-27-96
Rome, Georgia
Notice for 1-BHC formation, 1st Floyd Bank, Rome, Georgia.
Forsyth Bancshares, Inc.
Cumming, Georgia
1-BHC formation,
The Citizens
(in organization).

11-25-96
Bank

of

Forsyth

County,

Cumming,

Georgia

CB&T Holding Corporation
11-27-96
New Orleans, Louisiana
Change in control notice by Mr. Gary N. Solomon and Mrs. Martha N. Solomon to
collectively acquire an additional 21.63 percent of the outstanding shares of CB&T
Holding Corporation, New Orleans, Louisiana.
The acquisition will increase the
total ownership to 43.25 percent.




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

Type

Application

Branch

Lake Forest Bank & Trust Company
Lake Forest, Illinois
911 South Telegraph Road
Lake Forest, Illinois

NP - 12-5-96

Branch

First American Bank
Carpentersville, Illinois
80 Stratford, Square
Bloomingdale, Illinois

NP - 12-4-96

Branch

First American Bank
Carpentersville, Illinois
33 South Rand Road
Lake Zurich, Illinois

NP - 12-4-96

Branch

First American Bank of Kankakee
Kankakee, Illinois
6200 West 95th Street
Oak Lawn, Illinois

NP - 11-29-96

Branch

First American Bank
Joliet, Illinois
U .S. Route 30 and Mall Loop Drive
Joliet, Illinois

NP - 12-4-96

Branch

Isabella Bank and Trust
Mt. Pleasant, Michigan
1125 N. McEwan Street
Clare, Michigan

NP - 12-19-96

Branch

Union Bank & Trust Company
Evansville, Wisconsin
121 Fifth Avenue
Belleville, Wisconsin

NP - 12-21-96

NP - Newspaper
FR - Federal Register
* - Subject to Provisions of Community Reinvestment Act




2

** - Not available at this time

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

Type

Application

3(a)(1) Notice

Iron Horse Bancshares, Inc.
Mazomanie, Wisconsin
Peoples State Bank o f Mazomanie, Wisconsin
Mazomanie, Wisconsin




3

jsjp _ **

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

Type

Application

3(a)(1)

New Asia Bancorp*
Chicago, Illinois
NAB Bank
Chicago, Illinois

F R - 11-29-96
NP - 10-21-96

3(a)(3)

Pontiac Bancorp, Inc.*
Pontiac, Illinois
Bank o f Dwight
Dwight, Illinois

FR - 11-29-96
NP - 11-25-96

3(a)(1)

AmeriMark Financial Corporation.*
Oak Brook, Illinois
Duco Bancshares, Inc.
Villa Park, Illinois
Bank of Illinois in DuPage
Villa Park, Illinois

FR - 12-20-96
NP - 12-16-96

3(a)(1)

Barker Brothers, Inc.*
Springfield, Illinois
Middletown Bancorp, Inc.
Middletown, Illinois
Middletown State Bank
Middletown , Illinois
Latham Bancorp, Inc.
Latham, Illinois
State Bank o f Latham
Latham, Illinois

FR - 12-13-96
NP _ **




4

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

Type

Application

3(a)(3)

Wintrust Financial Corporation*
Wilmette, Illinois
Barrington Bank & Trust Company, National Association
Barrington, Illinois (in organization)

F R - 11-29-96
N P - 11-25-96

CoC-HC

MWA Bancorporation
Estherville, Iowa
By Greg J. Currell

FR - 12-03-96
NP - **

3(a)(1)

Pineries Bankshares, Inc.*
Stevens Point, Wisconsin
Mattoon State Bank
Mattoon, Wisconsin

FR - 12-19-96
NP - 12-15-96

CoC-HC

Community Central Bank Corporation
Mount Clemens, Michigan
By Willard G. Pierce

FR - 12-12-96
NP - 12-12-96

3(a)(1)

Bando McGlocklin Capital Corporation*
Pewaukee, Wisconsin
InvestorsBank
Pewaukee, Wisconsin (in organization)

FR - 12-27-96
NP - **

3(a)(1)

CH and JD Byrum, LLC*
Indianapolis, Indiana
American State Corporation
Lawrenceburg, Indiana
American State Bank
Lawrenceburg, Indiana

FR - 12-27-96
NP - 12-2-96




5

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

Type

Application

3(a)(3)

Old Kent Financial Corporation*
Grand Rapids, Michigan
Old Kent Bank, National Association (in organization)
Jonesville, Michigan

FR - 12-20-96
NP - **

3(a)(3)

Beaman Bancshares, Inc.*
Beaman, Iowa
Producers Savings Bank
Green Mountain, Iowa

FR - 12-23-96

3(a)(1)

Two Rivers Bank Holding Company*
Rock Valley, Iowa
Rock Valley State Bank
Rock Valley, Iowa (in organization)

FR - 11-29-96
N P - 11-29-96

3(a)(3)

Panhandle Aviation, Inc.*
Carinda, Iowa
National Bank o f Iowa
Danison, Iowa

FR - 12-03-96

Mound City Financial Services, Inc.*
Platteville, Wisconsin
Mound City Bank
Platteville, Wisconsin

FR - 12-06-96

3(a)(1)

Independent Bancorp., Limited*
Little Chute, Wisconsin
Bank o f Little Chute
Little Chute, Wisconsin

FR - 12-09-96
NP - 12-05-96

3(a)(5)

Associated Banc-Corp.*
Green Bay, Wisconsin
Centra Financial, Inc.
West Allis, Wisconsin
Central Bank
West Allis, Wisconsin

FR - 12-20-96
NP - **

3(a)(1)




N p . **

NP .**

6

NP _**

Federal Reserve Bank of Chicago
Section IT - Applications Suhject to Federal Register
T
Notice Only cont’d
Comment Period
Ending Date

Type

Application

4(c)(8)

AmeriMark Financial Corporation
Oak Brook, Illinois
Banill Corporation
Villa Park, Illinois

FR - 12-20-96

4(c)(8)

Heartland Financial USA, Inc.
Dubuque, Iowa
Tri-State Community Credit Corp.
Dubuque, Iowa

FR - 12-13-96

4(c)(8)

Bando McGlocklin Capital Corporation
Pewaukee, Wisconsin
Bando McGlocklin Investment Corporation
Pewaukee, Wisconsin
Bando McGlocklin Small Business Lending Company
Pewaukee, Wisconsin

FR - 12-27-96

4(c)(8)

Associated Banc-Corp
Green Bay, Wisconsin
Associated Banc-Corp Services, Inc.
Green Bay, Wisconsin

PR . **




7

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

Type

Application

ROS

Bankers Trust Company
Des Moines, Iowa
to redeem $2 million in noncumulative preferred stock




8

Federal Reserve Bank o f Chicago
Section V - Availability o f CRA Public Evaluations

The following state member banks have been examined by the Federal Reserve Bank o f Chicago for
compliance with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed
during the week ending November 29, 1996. If you are interested in obtaining a copy o f the evaluation
document, please contact the bank(s) directly.
Identification o f Ratings
O-

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

S-

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

NI -

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

SN -

An institution in this group has a substantial noncompliance record o f ascertaining
and helping to meet the credit needs o f its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilies.




BANK NAME/LOCATION

EXAMINATION DATE

RATINGS

Central Bank
160 West Main Street
Russiaville, Indiana 46979-0127
(317) 453-9100

8/12/96

NI

First American Bank
635 1st Street
Webster City, Iowa 50595-0370
(515) 955-0662

8/12/96

S

9

Federal R eserve Bank o f St. Louis
FOR THE WEEK ENDING NOVEMBER 29, 1996
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application

End o f Comment Period

None.

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

End o f Comment Period

* Section 3(a)(1) application by New London
Bancshares, Inc., New London, Missouri, to
acquire Behrens Bancshares, Inc., New London,
Missouri.

Newspaper: 12-23-96

* Section 3(a)(3) application by Union Planters
Corporation, Memphis, Tennessee, to acquire
19.8% o f First National Bank, Pontotoc,
M ississippi.

Newspaper: 12-27-96

SECTION HI - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application

End o f Comment Period

Section 4(c)(8) notification (expedited) by
National Commerce Bancorporation, Memphis,
Tennessee, to acquire J & S Leasing, Inc.,
Knoxville, Tennessee.

N /A

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

End o f Comment Period

Section 9 membership application by MidSouth
Bank, Monette, Arkansas.

N /A *

* This application/notification is subject to CRA.




FE D E R A L R E SE R V E B A N K O F ST . L O U IS
FOR THE WEEK ENDING NOVEMBER 29, 1996
SECTION V - AVAILABILITY OF CRA PUBLIC DISCLOSURES

Identification oLRatingsi
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 of 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.

None




Bank Address

Exam ination

Exam ination

D ate

Nam e o f Bank

Rating

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section I - Applications Subject to
Newspaper Notice Only
Comment Period
Ending Date

Application
NONE.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Comment Period
Ending Date

Application
International Bancorporation, Golden Valley, Minnesota,
for prior approval to acquire 100% of the voting shares
of the Carlton County Bancorporation, Inc., Cloquet,
Minnesota. *

December 27, 1996
(Federal Register)

* Subject to CRA

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

Application
NONE.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
NONE.




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending November 2 9 , 1996

ASSIGNMENT OF RATING
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a rating is
assigned from the following groups:
OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a satisfactory record of ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group needs to improve its overall record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in
a manner consistent with its resources and capabilities.
SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low-and moderate-income neighborhoods, in
a manner consistent with its resources and capabilities.
BANKYS1 E X A M I N E D

DATE OF EXAMINATION

CRA RATING

Farmers State Bank
P.O. Box 187
Faith, SD 57626-0187
(605) 967-2191

April 15, 1996

Satisfactory

Fulton State Bank
P.O. Box 77
Fulton, SD 57340
(605) 996-5731

August 12, 1996

Outstanding




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending November 29, 1996
(continued)

BANK(S) EXAMINED

DATE QF EXAMINATION

CRA RATING

First Security Bank of Laurel
P.O. Box 277
Laurel, MT 59044-0277
(406)628-4318

August 19, 1996

Satisfactory




Federal Reserve Bank of Kansas C ity

SECTION T- APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONT.Y
APPLICATION

COMMENT PERIOD ENDING PATH

American National Bank, Wichita, Kansas, for prior
approval to become a member of the Federal Reserve
System.

Not Available

SECTION n - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
APPLICATION

COMMENT PERIOD ENDING DATE

Lyle L. and Carolyn J. Fiene, both of Reeds Spring,
Missouri, for approval to retain a total of 36.84 percent
of the voting shares of Gardner Bancorp, Inc., Gardner,
Kansas.

December 13, 1996

Berthoud Bancorp ESOP, Berthoud, Colorado, for prior
approval to acquire at least 50 percent of the voting
shares of Berthoud Bancorp, Inc., Berthoud, Colorado.*

December 17, 1996

Michael J. Klaassen, Trustee of the Theodore K.
Klaassen Revocable Living Trust and the Talma B.
Klaassen Revocable Living Trust, all of Wichita, Kansas,
for prior approval to acquire an additional 65.19 percent,
for a total of 66.58 percent, of the voting shares of
Chisholm Trail Financial Corporation, Wichita, Kansas.

December 17, 1996

First Team Resources Corporation, Derby, Kansas, for
prior approval to become a bank holding company
through the acquisition of 97.12 percent of the voting
shares of First National Bank, Derby, Kansas.*

December 27, 1996

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




COMMENT PERIOD ENDING DATE

Federal Reserve Bank of Kansas C ity

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

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

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

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

Needs to improve record of meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and 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

Exam Date

CRA Public
Date

Bank of Holyrood
P.O. Box 128
Holyrood, Kansas 67450-0128

08/26/96

11/25/96

♦Application is subject to CRA.




CRA
Rating
Satisfactory

FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF NOVEMBER 25, 1996

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
NOTICE EXP

APPLICATION
None.

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

APPLICATION
*Section 3(a)(3) application by
Keene Bancorp, Inc. 401(K) ESOP&T, Keene, TX,
to acquire additional shares of Keene Bancorp,
Inc., Keene, TX

N/A

Change in Control Notice by
Wilma McKnight, Throckmorton, TX, and Nan McKinney
Daws, Wichita Falls, TX, to acquire an interest
in Throckmorton Bancshares, Inc., Throckmorton, TX

N/A

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
APPLICATION

NOTICE EXP

None.

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
APPLICATION
Notice by First Riesel Corporation, Riesel, TX,
to redeem 5,5b7 shares of its cunimon stock

* 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 25, 1996

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

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

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

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

Bank

Date of
Examination

Security State Bank
115 W. 3rd St.
P. 0. Box 2037
Pecos, Texas 79772

96/08/26




CRA Ratinq

Satisfactory

FEDERAL RESERVE BANK OF SAN FRANCISCO

W eekending 11/29/96
Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period EndingDate

Farmers and Merchants Bank o f Rockford, Opportunity,
Washington, to establish a branch office at the Tidyman’s
Grocery Store located at 2024 North Argonne, Spokane,
Washington.

Newspaper:

12/15/96

Farmers and Merchants Bank o f Rockford, Opportunity,
Washington, to establish a branch office at the Tidyman’s
Grocery Store located at 6405 North Addison, Spokane,
Washington.

Newspaper:

12/15/96

Farmers and Merchants Bank o f Rockford, Opportunity,
Washington, to establish a branch office at the Tidyman’s
Grocery Store to be located at the corner o f Pullman Highway
and Spokane Road, Spokane, Washington.

Newspaper:

12/15/96

Farmers and Merchants Bank o f Rockford, Opportunity,
Washington, to establish a branch office at 10606 North
Highway, Spokane, Washington.

Newspaper:

12/02/96

Great Basin Financial Corporation, Elko, Nevada, to become a
bank holding company by acquiring Great Basin Bank o f Nevada,
Elko, Nevada. *

Newspaper:

12/20/96

Fed. Reg.:

12/19/96

Basswood Financial Partners, L.P. , 1994 Garden State Trust, both
at Paramus, N.J., and Basswood International Fund, Hamilton,
Bermuda, to acquire up to 24.9 percent o f SC Bancorp, Anaheim,
California. *

Newspaper:

Not Available

Fed.Reg.:

Not Available

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

Section III -Applications Subject to Federal Register Only
None
Section IV - Applications Not Subject to Federal Register Noticeor Newspaper Notice (Cont’d.)
None
* Subject to CRA.



FEDERAL RESERVE BANK OF SAN FRANCISCO

W eekending 11/29/96
Section V - Availability o f CRA Public Evaluations
The CRA public evaluations o f the institution^) below became available during this week. Information
about a particular institution’s CRA evaluation may be obtained directly from the institution.
Institution

Location

Examination Date

Rating*

Santa Barbara Bank
and Trust

1021 Anacapa Street
P.O . Box 1119
Santa Barbara
California 93102-1119

07/15/96

Satisfactory

(805) 564-6300

*Under the rating system an institution’s CRA performance is assigned one o f the following four
ratings:
O utstanding record o f m eeting com m unity credit needs: An institution 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 m eeting com m unity credit needs: An institution has a satisfactory record o f
ascertaining and meeting the credit needs o f its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
N eeds to Im prove record o f m eeting com m unity credit needs: An institution needs to improve its
overall record o f ascertaining and helping to meet the credit needs o f its entire delineated community,
including low- to moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
Substantial N oncom pliance in m eeting com m unity credit needs: An institution has a substantially
deficient record o f ascertaining and helping to meet the credit needs o f its entire delineated community,
including low- to moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

The above listing has been prepared as a courtesy by the Federal Reserve Bank o f 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