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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

the Federal Reserve Banks;
ApplicatftdMns and Reports Received
^ri&glttlle We«c Ending October 17, 1992

ern
ACTIONS TAKEN BY THE BOARD OF GoV 'qrsuvei^ o
ENFORCEMENT
Genoa Banking Company, Genoa, Ohio -- cease and
desist order.
Announced, October 14, 1992.
EXTENSIONS OF TIME
Regulation T — extension to November 16, 1992, to
receive comments on advance notice of proposed
rulemaking (Docket R-0772).
Granted, October 13, 1992.

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
Philadelphia

Commonwealth Bank, Williamsport, Pennsylvania — to
establish a branch at 12 South Main Street, WilkesBarre, Pennsylvania.
Approved, October 13, 1992.

Atlanta

Dadeland Bank, Miami, Florida -- to establish an
automatic teller machine / night deposit in the
Dadeland Mall, 7535 North Kendall Drive.
Approved, October 16, 1992.

Chicago

G.W. Jones Exchange Bank, Marcellus, Michigan -- to
relocate a branch to 110 South Spencer Road,
Cassopolis, Michigan, from 110 South Broadway.
Returned, October 13, 1992.

Boston

Union Trust Company, Ellsworth, Maine -- to establish
an off-site automated teller machine in Ellsworth,
Maine.
Approved, October 11, 1992.

Boston

Union Trust Company, Ellsworth, Maine -- to establish
a branch at the IGA PLUS, High Street.
Approved, October 13, 1992.




H.2
OCTOBER 11, 1992 TO OCTOBER 16, 1992
PAGE 2
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
BANK HOLDING COMPANIES




Kansas City

Acquisition Corporation, Leawood, Kansas — to
acquire LeavCorp, Inc., Leavenworth, Kansas.
Approved, October 13, 1992.

Dallas

Bank Asset Management Corporation, Wilmington,
Delaware — to acquire Bank of San Antonio /
Medical Center, San Antonio, Texas, and Bank of San
Antonio.
Approved, October 16, 1992.

Kansas City

Bellwood Community Holding Company, Bellwood,
Nebraska — to acquire the Bank of the Valley.
Approved, October 13, 1992.

Kansas City

Brooke Corporation, Jewell, Kansas — to acquire
Brooke State Bank, and to continue to engage in the
sale of general insurance.
Approved, October 16, 1992.

Richmond

City Holding Company, Charleston, West Virginia —
engage in data processing activities.
Approved, October 15, 1992.

San Francisco

Continental Bancorporation, Las Vegas, Nevada — to
engage de novo in trust company activities through
Continental Trust Company.
Permitted, October 13, 1992.

San Francisco

El Dorado Bancorp, Tustin, California — to engage de
novo in lending activities through El Dorado
Bancorp Home Loans, Inc., Laguna Hills, California.
Permitted, October 13, 1992.

Atlanta

Fidelity Southern Corporation, Decatur, Georgia -- to
engage de novo in providing securities brokerage
and to underwrite and deal in government
obligations and money market instruments through
Fidelity Capital Investors, Inc.
Permitted, October 15, 1992.

Kansas City

First Bancorp of Kansas, Wichita, Kansas — to merge
with WRB Bancshares, Inc., Oklahoma City, Oklahoma.
Approved, October 16, 1992.

to

H .2
OCTOBER 11, 1992
PAGE 3

TO

OCTOBER 16, 1992

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

BANK HOLDING COMPANIES




Chicago

First Midwest Corporation of Delaware, Elmwood Park,
Illinois — to acquire West Central Illinois
Bancorp, Inc., Monmouth, Illinois, and to acquire
The National Bank of Monmouth.
Approved, October 13, 1992.

Chicago

Hawkeye Bancorporation, Des Moines, Iowa — to
acquire Jasand, Inc., Cedar Rapids, Iowa, and City
National Bank of Cedar Rapids.
Approved, October 13, 1992.

Chicago

Heritage Financial Services, Inc., Blue Island,
Illinois — to acquire Alsip Bancorporation, Inc.,
Alsip, Illinois, and acquire Alsip Bank and Trust.
Returned, October 15, 1992.

Kansas City

Liberty Bancorp, Inc., Oklahoma City, Oklahoma -- to
retain 6.03 percent of F & M Bancorporation, Inc.,
Tulsa, Oklahoma.
Approved, October 16, 1992.

Kansas City

Liberty Bancorp, Inc., Oklahoma City, Oklahoma —
acquire Mid City Bank, N.A., Midwest City,
Oklahoma.
Approved, October 16, 1992.

Dallas

New Mexico National Financial Incorporated, Roswell,
New Mexico — to acquire Western Banc of Truth or
Consequences, Inc., Truth or Consequences, New
Mexico, and FirstBank of Truth or Consequences.
Approved, October 16, 1992.

Kansas City

United Nebraska Financial Company, Grand Island,
Nebraska — to acquire First Security Bank of
Holdrege, Holdrege, Nebraska.
Approved, October 16, 1992.

Minneapolis

Wabasha Holding Company, Wabasha, Minnesota — to
engage in general insurance agency activities
through First State Insurance of Wabasha, Inc.
Approved, October 16, 1992.

to

H .2

OCTOBER 11, 1992 TO OCTOBER 16, 1992
PAGE 4
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK PREMISES
New York

Banco Popular de Puerto Rico, Hato Rey, Puerto Rico - investment in bank premises.
Approved, October 13, 1992.

Philadelphia

Commonwealth Bank, Williamsport, Pennsylvania —
investment in bank premises.
Approved, October 13, 1992.

Philadelphia

Johnstown Bank & Trust Company, Johnstown,
Pennsylvania — investment in bank premises.
Approved, October 14, 1992.

Cleveland

Ohio Citizens Bank, Toledo, Ohio —
bank premises.
Approved, October 16, 1992.

investment in

CAPITAL STOCK
Minneapolis

Citizens Bank Holding Company, Finley, North Dakota ~ redemption of shares.
Approved, October 14, 1992.

Chicago

Elgin Bancshares, Inc., Kansas City, Missouri —
redemption of shares.
Approved, October 16, 1992.

Kansas City

First of Grandfield Corporation, Grandfield, Oklahoma
— redemption of shares.
Approved, October 14, 1992.

Kansas City

Greeley Bancshares, Inc., Greeley, Kansas —
redemption of shares.
Approved, October 16, 1992.

S t . Louis

Scott County Bancorp, Inc., Winchester, Illinois —
redemption of shares.
Approved, October 14, 1992.

CHANGE IN BANK CONTROL




Kansas City

CNB Financial Corporation, Kansas City, Kansas —
change in bank control.
Permitted, October 13, 1992.

H .2

OCTOBER 11, 1992 TO OCTOBER 16, 1992
PAGE 5

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

CHANGE IN BANK CONTROL
Richmond

Commercial BancShares, Inc., Parkersburg, West
Virginia -- change in bank control.
Permitted, October 15, 1992.

Chicago

Elgin Bancshares, Inc., Kansas City, Missouri —
change in bank control.
Permitted, October 16, 1992.

San Francisco

Orange Bancorp, Fountain Valley, California -- change
in bank control.
Permitted, October 14, 1992.

San Francisco

Sunstate Bancshares, Inc., Casa Grande, Arizona -change in bank control.
Permitted, October 13, 1992.

COMPETITIVE FACTORS REPORTS




St. Louis

Bowling Green Bank & Trust Company, National
Association, Bowling Green, Kentucky, proposed
merger with Bowling Green Interim Bank & Trust
Company, National Association — report on
competitive factors.
Submitted, October 15, 1992.

Kansas City

Farmers National Bank of Stafford, Stafford, Kansas,
proposed merger with Buhler State Bank, Buhler,
Kansas — report on competitive factors.
Submitted, October 13, 1992.

Kansas City

First Community Bank, Blanchard, Oklahoma, proposed
acquisition of assets and assumption of liabilities
of the Blanchard branch of First State Bank,
Hinton, Oklahoma — report on competitive factors.
Submitted, October 13, 1992.

San Francisco

Great Western Bank, A Savings Bank, Bellevue,
Washington, proposed merger with Great Western Bank
A Federal Savings Bank, Chatsworth, California —
report on competitive factors.
Submitted, October 13, 1992.

H .2

OCTOBER 11, 1992 TO OCTOBER 16, 1992
PAGE 6

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

COMPETITIVE FACTORS REPORTS




Boston

Liberty Bank, Middletown, Connecticut, proposed
acquisition of certain assets and assumption of
certain liabilities of the Montville, Connecticut,
branch of Farmers and Mechanics Bank, Middletown,
Connecticut -- report on competitive factors.
Submitted, October 15, 1992.

S t . Louis

New Farmers National Bank of Glasgow, Glasgow,
Kentucky, proposed merger with The New Farmers
Interim National Bank of Glasgow — report on
competitive factors.
Submitted, October 15, 1992.

S t . Louis

Southwest Bank of Polk County, Bolivar, Missouri,
proposed merger with Southwest Bank of Hickory
County, Hermitage, Missouri, Southwest Bank,
National Association, Republic, Missouri, and
Southwest Bank of Buffalo, Buffalo, Missouri —
report on competitive factors.
Submitted, October 16, 1992.

Atlanta

Trans Financial Bank of Tennessee, FSB, Columbia,
Tennessee, proposed merger with Trans Financial
Federal Bank of Tennessee, Tullahoma, Tennessee -report on competitive factors.
Submitted, October 15, 1992.

S t . Louis

United Postal Bancorp, Inc., St. Louis, Missouri,
proposed acquisition of certain assets and
assumption of all savings deposits of First Federal
Savings and Loan Association of Manchester,
Manchester, Missouri — report on competitive
factors.
Submitted, October 15, 1992.

H .2

OCTOBER 11, 1992 TO OCTOBER 16, 1992
PAGE 7

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

EXTENSIONS OF TIME
Atlanta

Barnett Banks, Inc., Jacksonville, Florida —
extension to January 1, 1993, to engage de novo in
leasing activities through Barnett Leasing Company,
Jacksonville, Florida.
Granted, October 13, 1992.

Atlanta

Kislak Financial Corporation, Miami Lakes, Florida -extension to January 14, 1993, to acquire Kislak
National Bank, North Miami, Florida.
Granted, October 14, 1992.

Secretary

Faulk County State Bank, Faulkton, South Dakota -- to
become a member of the Federal Reserve System.
Approved, October 16, 1992.

MEMBERSHIP




H .2

OCTOBER 11, 1992 TO OCTOBER 16, 1992
PAGE 8

ADDITIONS AND CORRECTIONS

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BOARD OPERATIONS
Office of the Secretary — appointment of Ellen
Maland as a Visiting Assistant Secretary for a oneyear period beginning October 26, 1992.
Approved, October 5, 1992.

ADDITIONS AND CORRECTIONS

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

BANK BRANCHES, DOMESTIC
Chicago

Bank of Burlington, Burlington, Wisconsin — to
establish a branch at 240 North Milwaukee Street,
Waterford, Wisconsin.
Approved, October 9, 1992.

Chicago

Cole Taylor Bank, Chicago, Illinois — to establish a
branch at Suburban Heights Medical Center, 333
Dixie Highway, Chicago Heights, Illinois, and 9400
South Western Avenue, Evergreen Park, Illinois.
Withdrawn, October 5, 1992.

Chicago

Northern Trust Company, Chicago, Illinois — to
establish branches at Andersen School, 1851 West
Division; Von Humboldt School; 2620 West Hirsh; and
Pritzker School, 2009 West Schiller.
Approved, October 7, 1992.

BANK MERGERS




Chicago

Cole Taylor Bank, Chicago, Illinois — to merge with
Cole Taylor Bank / Yorktown, Lombard, Illinois, and
establish a branch at One Yorktown Center.
Approved, October 9, 1992.

H .2

ADDITIONS AND CORRECTIONS

OCTOBER 11, 1992
PAGE 9

TO

OCTOBER 16, 1992

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

BANK PREMISES
Philadelphia

Commonwealth Bank, Williamsport, Pennsylvania -investment in bank premises.
Approved, September 21, 1992.

COMPETITIVE FACTORS REPORTS




Atlanta

Bank of Columbia, Columbia, Alabama, proposed
acquisition of certain assets and assumption of
liability to pay deposits made in the 414 Broadway
Street, Ashford, Alabama, branch of AmSouth Bank,
N.A., Birmingham, Alabama -- report on competitive
factors.
Submitted, October 5, 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.

"N" -

Institution

Bating*




Examination Date

NONE

Federal Reserve Bank of New York
Comment Period
Ending Date

SECTION I
Applications Subject to Newspaper
__________ Notice Only__________
Chemical Bank, New York, New York, to establish a
branch at Manhattan Eye, Ear and Throat Hospital,
210 Wast 64th St., New York, New York.l/

11/8/92

SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
KeyCorp and Key Bancshares of New York, both of Albany,
New York to acquire National Savings Bank of Albany,
Albany, New York.l/

11/8/92 3/

George E. Scharpf, Colts Neck, New Jersey, to
increase to his holdings 13.01 percent of the voting
shares of Amboy Bancorporation, Old Bridge, New Jersey.

N/A

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 October 17. 1992
NAME OF BANK

RATING

EXAMINATION DATE

Fleet Bank
(Formerly Norstar Bank)
300 Broad Hollow Road
Melville, N.Y. 11747-4850

Outstanding

May 18, 1992

West Jersey Community
Bank
165 Passaic Avenue
Fairfield, N.J. 07004

Needs to Improve

April 28, 1992

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 October 16, 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 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




E xam ination D ate

CRA R a tin g

Federal Reserve Bank of Cleveland
Applications Bulletin
For Week Ending October 17, 1992
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
NONE
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
Received Section 3(a) (1) application from
* N: November 18, 1992
Snyder Holding Corporation and F&A Financial
Company, both of Kittanning, Pennsylvania,
on October 15, 1992, to acquire up to 26.54
percent of the outstanding shares of The
Armstrong County Trust Company, Kittanning,
Pennsylvania
Received Section 3(a) (1) application from
* N: November 18, 1992
Snyder Holding Corporation and F&A Financial
Company, both of Kittanning, Pennsylvania,
on October 15, to acquire up to 42.00 percent
of the outstanding shares of The Farmers
National Bank of Kittanning, Kittanning,
Pennsylvania
SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
Received Section 4(c) (8) notice from Farmers &
Not Yet Known #
Bancorp, Inc., Archbold, Ohio, on October
9, 1992, of its intent to sell all credit life
and all credit disability/health insurance
requested by loan customers of its wholly-owned
subsidiary bank, The Farmers & Merchants State
Bank.
The activity will be conducted by a
wholly-owned subsidiary, Independent Life Insurance
Company, in its operation as the principal in the
underwriting of said insurace as reinsurer in
accordance with Section 225.25(b)(8)(B) of Regulation Y.

*
N
F
#

-

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




Applications Bulletin
For Week Ending October 17, 1992
SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY

(Continued)
Received Section 4( c ) (8) application from
Not Yet Known #
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.
Received Section 4 ( c ) (8) application from
* Not Yet Known #
Society Corporation, CLeveland, Ohio, on October
13, 1992, to acquire First Federal Savings and
Loan Association of Fort Meyers, Fort Meyers,
Florida.
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
Received request from Ohio Citizens Bank, Toledo,
Ohio, on October 16, 1992, for permission to exceed
its limit of investment in bank premises permitted
under Section 24A of the Federal Reserve Act.
Received application from The Provident Bank,
Cincinnati, Ohio, for approval to have Provident
Securities and Investments Company broaden the scope
of its activities to provide investment advisory
services to institutional and retail customers through
a bank service corporation.

*
N
F
#

-

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




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

First Union Corporation, Charlotte, North
Carolina, to acquire Dominion Bankshares
Corporation, Roanoke, Virginia.*

Not yet available.

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

First Union Corporation, Charlotte, North
Carolina, to acquire PSFS Thrift Holding
Company, Philadelphia, Pennsylvania, and
its subsidiary, Meritor Savings, F.A. ,
Winter Haven, Florida.*

Not yet available.

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

*Application is subject to CRA requirements.




Comment Period Ending Date

F e d e ra l R eserve Bank o f Richmond
Availability of CRA Public Evaluations
Week ending October 16, 1992

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

Examination
Date

Bank of the Potomac
230 Herndon Parkway
Herndon, Virginia 22070




8-3-92

Rating

Satisfactory

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending October 16. 1992

Section 1 - Applications Subject to Newspaper
Notice Only

Application

Comment Period Ending Date

Central Bank of the South
Birmingham, Alabama
To establish a branch located at 3480
Eastern Boulevard, Montgomery, Alabama.

11-08-92*

The Peoples Bank and Trust Company
Selma, A1abama
To merge with The Citizens Bank of Prattville,
Prattville, Alabama, and its parent company,
Cee-Bee Corporation, Prattville, Alabama,
pursuant to Section 18(c) of the Federal
Deposit Insurance Act.

11-16-92*

Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

SunTrust Banks, Inc.
Not yet available*
Roswell, Georgia
To acquire First United Bancorp, Inc.,
Florence, Alabama, and thereby indirectly
acquire its bank subsidiary, The First
National Bank of Florence, Florence, Alabama.
Swainsboro Bancshares, Inc.
Swainsboro, Georgia
An after-the-fact change in control by Elmer
Lamar Anderson to retain 1.36 percent of the
outstanding shares of common stock.
The
acquisition increased his total ownership to
10.85.

10-28-92*
Newspaper

♦Subject to the Provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending October 16. 1992

Section 3 - Applications Subject to Federal
Register Notice Only

Application

Comment Period Ending Date

None.

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice

Application
The Peoples BancTrust Company, Inc.
Selma, Alabama
3(a)(5) Waiver request to merge with
The Citizens Bank of Prattville, Alabama,
and its parent company, Cee-Bee Corporation,
Prattville, Alabama.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending October 16. 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:
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
lowand
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 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.
Examination
Bank
Barnett Bank of Southwest
Georgia
1234 - 1st Avenue
Columbus, Georgia 31993
(706) 571-7827




Rating
Outstanding

Date
07-13-92

Federal Reserve Bank of Chicago
Section I

-

Applications Subject to Newspaper
Notice Only
Comment Period
Ending Date

Type

Application

Branch

Harris Bank of St. Charles
St. Charles, Illinois
4 contractual branches at
Harris Bank Argo
Summit, Illinois
1 contractual branch at
Harris Bank Barrington, N.A.
Barrington, Illinois
1 contractual branch at
Harris Bank Wilmette, N.A.
Wilmette, Illinois
2 contractual branch at
Harris Bank Winnetka, N.A.
Winnetka, Illinois
2 contractual branches at
Harris Bank Frankfort
Frankfort, Illinois
2 contractual branches at
Harris Bank Hinsdale, N.A.
Hinsdale, Illinois
2 contractual branches at
Harris Bank Glencoe-Northbrook, N.A.
Glencoe, Illinois
3 contractual branches at
Harris Bank Libertyville
Libertyville, Illinois*

N

Branch

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

N

- 10-17-92

Oakar

Heritage Financial Services, Inc.
Tinley Park, Illinois
First Chicago Bank for Savings, F.S.B.
Frankfort, Illinois*

N

- 10-24-92

Branch

1st Source Bank
South Bend, Indiana
1701 S. Woodland Avenue
Michigan City, Indiana*

N

- **




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

Type

Application

Branch

1st Source Bank
South Bend, Indiana
6311 Central Avenue
Portage, Indiana*

N

- **

EFT

Comerica Bank
Detroit, Michigan
1400 Plainfield Road
Grand Rapids, Michigan*

N

- 10-19-92

Branch

Huron Community Bank
East Tawas, Michigan
Northeast Intersection of Traverse Bay
State Road and Church Street
Lincoln, Michigan*

N

- 10-16-92

Oakar

United Bancorp, Inc.
Tecumseh, Michigan
Morenci & Clinton, Michigan offices of
Standard Federal Bank
Troy, Michigan*

N

- 10-21-92

Branch

Omnibank
River Rouge, Michigan
Intersection of Woodward & Manchester
Highland Park, Michigan*

Branch

Old Kent Bank and Trust Company
Grand Rapids, Michigan
333 Bridge Street
Grand Rapids, Michigan*

EFT

Cole Taylor Bank
Chicago, Illinois
Suburban Heights Medical Center
333 Dixie Highway
Chicago Heights, Illinois*

N

- 10-19-92

EFT

Cole Taylor Bank
Chicago, Illinois
Sam's Club, 9400 South Western Avenue
Evergreen Park, Illinois*

N

- 10-19-92




N

N

- **

- 10-18-92

Federal Reserve Bank of Chicago
Section I

-

Applications Subject to Newspaper
Notice Only
(Continued

Type

Application

Branch
Relocation

G.W. Jones Exchange Bank
Marcellus, Michigan
From 110 South Broadway to
110 South Spencer Road
Cassopolis, Michigan*




Comment Period
Ending Date
N

Federal Reserve Bank of Chicago

Type

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

Y-l

Omnibank Corporation
River Rouge, Michigan
Omnibank
River Rouge, Michigan*

FR - 10-23-92
N - 10-21-92

Y-2

PSB Corporation
Wellsburg, Iowa
First National Bank of Sumner
Sumner, Iowa*

FR - 10-8-92
N - 10-3-92

Y-2

Seaway Bancshares, Inc.
Chicago, Illinois
Highland Community Company
Chicago, Illinois
Highland Community Bank
Chicago, Illinois*

FR - 10-9-92
N - 10-5-92

CoC-HC

Metrocorp, Inc.
East Moline, Illinois
Metrocorp, Inc. Employee Stock
Ownership Plan
East Moline, Illinois

FR - 9-21-92
N - 10-23-92

Y-2

Great Lakes Financial Resources, Inc.
Employee Stock Ownership Plan
Homewood, Illinois
Great Lakes Financial Resources, Inc.
Homewood, Illinois
First National Bank of Blue Island
Blue Island, Illinois
Bank of Matteson
Matteson, Illnois
Bank of Homewood
Homewood, Illinois*

FR - **
N - 10-26-92

Y-2

Comerica Incorporated
Detroit, Michigan
Sugar Creek National Bank
Sugar Land, Texas*

FR - **
N - **

Y-l

Random Lake Bancorp., Limited
Random Lake, Wisconsin
State Bank of Random Lake
Random Lake, Wisconsin*

FR - 10-26-92
N - 9-22-92




Federal Reserve Bank of Chicago

Type

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

CoC-HC

Peoples Mid-Illinois Corporation
Bloomington, Illinois
George Parker Kemp

FR - **
N - 10-28-92

Y-l

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

FR - **
N - **

Y-2

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

FR - **
N - **

Y-2

Peoples Mid-Illinois Corporation
Bloomington, Illinois
Lexington Bancshares, Inc.
Lexington, Illinois
Lexington Bank
Lexington, Illinois*

FR - 10-23-92
N - 10-5-92

Y-l

PMI Acquisition Corporation
Bloomington, Illinois
Lexington Bank
Lexington, Illinois*

FR - 10-23-92
N - 10-5-92

Y-2/Oakar

ABN AMRO Bank, N.V.
Amsterdam, The Netherlands
LaSalle Talman Bank, F.S.B.
Chicago, Illinois*

FR - **
N - **

Y-21 Dakar

ABN AMRO North America, Inc.
Chicago, Illinois
LaSalle Talman Bank, F.S.B.
Chicago, Illinois*

FR - **
N - **

Y-2/Oakar

ABN/AMRO Holding, N.V.
Amsterdam, The Netherlands
LaSalle Talman Bank, F.S.B.
Chicago, Illinois*

FR - **
N - **




Federal Reserve Bank of Chicago

Type

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

Y-2/Oakar

LaSalle National Corporation
Chicago, Illinois
LaSalle Talman Bank, F.S.B.
Chicago, Illinois*

FR - **
N - **

Y-2/Oakar

Stichting Administratiekantoor
ABN AMRO Holding
Amsterdam, The Netherlands
LaSalle Talman Bank, F.S.B.
Chicago, Illinois*

FR - **
N - **

Y-2/Oakar

Stichting Prioriteit ABN AMRO Holding
Amsterdam, The Netherlands
LaSalle Talman Bank, F.S.B.
Chicago, Illinois*

FR - **
N - **

Y-2

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

FR - **
N - **

CoC-HC

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

FR - **
N - **




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

Type

Application

Y-4

FBOP Corporation
Oak Park, Illinois
Fairfield Financial Corporation
Oak Park, Illinois

Y-4

Henry County Bancorp, Inc.
FR - **
Cambridge, Illinois
Arizona Reconstruction Finance Company, L.L.C.
Worth, Illinois

Y-4

Iroquois Bancorp, Inc.
FR - **
Gilman, Illinois
Arizona Reconstruction Finance Company, L.L.C.
Worth, Illinois

Y-4

Minooka Bancorp, Inc.
FR - **
Minooka, Illinois
Arizona Reconstruction Finance Company, L.L.C.
Worth, Illinois

Y-4

Peotone Bancorp, Inc.
FR - **
Peotone, Illinois
Arizona Reconstruction Finance Company, L.L.C.
Worth, Illinois

Y-4

Rock River Bancorporation
FR - **
Oregon, Illinois
Arizona Reconstruction Finance Company, L.L.C.
Worth, Illinois

Y-4

Southwest Bancorp, Inc.
FR - **
Worth, Illinois
Arizona Reconstruction Finance Company, L.L.C.
Worth, Illinois

Y-4

Terrapin Bancorp, Inc.
FR - **
Elizabeth, Illinois
Arizona Reconstruction Finance Company, L.L.C.
Worth, Illinois

Y-4

Westbanco, Inc.
FR - **
Westville, Illinois
Arizona Reconstruction Finance Company, L.L.C.
Worth, Illinois




FR -

* *

Federal Reserve Bank of Chicago

Type

Section III - Applications Subject to Federal Register
Notice Only
(Continued )
Comment Period
Application
Ending Date

4(c)(8)

Sullivan Bancshares, Inc.
Sullivan, Illinois
Engage in the purchasing of loan
participations from its subsidiary,
The First National Bank of Sullivan
Sullivan, Illinois

FR - 10-23-92

4(c)(8)

Edgemark Financial Corporation
Chicago, Illinois
Edgemark Financial Services, Inc.
Countryside, Illinois

FR - **

Y-4

First Michigan Bank Corporation
Holland, Michigan
FMB-Brokerage Services, Inc.
Holland, Michigan

FR - **

Y-4

Story County Bancorporation
Jewell, Iowa
Viking Village Company, L.P.
Jewell, Iowa

FR - 10-23-92

Y-4

Cole-Taylor Financial Group, Inc.
Chicago, Illinois
Centre Capital Funding Corp.
Evanston, Illinois

FR - **

Y-4

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

FR - **




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

Application

Ros

Bosshard Financial Group, Inc.
Lacrosse, Wisconsin
To redeem 955 shares (54.05%) of its own
common stock

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 available at this time




AVAILABILITY OF CRA PUBLIC EVALUATIONS

The following state member banks have been examined by the Federal Reserve Bank
of 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 October 16,
1992. If you are interested in obtaining a copy of the evaluation document,
please contact the bank(s) directly.
Identification of Ratings
O-An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
S-An institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
NI-An institution in this group needs to improve its overall record of 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.
SN-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.
BANK NAME/LOCATION

EXAMINATION DATE

RATINGS

-American Midwest Bank & Trust
17th Avenue and Lake Street
Melrose Park, Illinois
60160
(708) 681-8600

5/18/92

S

-Royal American Bank
1604 Colonial Parkway
Inverness, Illinois
60067
(708) 202-8300

7/06/92

S

-Wayne Bank & Trust Company
145 West Main Street
Cambridge City, Indiana
47327
(317) 478-3561

7/13/92

S




Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING OCTOBER 16, 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
* Section 3(a)(3) application by Area
Bancshares Corporation, Owensboro,
Kentucky to acquire Southern Deposit Bank
Russellville, Kentucky

End of Comment Period

Newspaper: 11-15-92

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application

End of Comment Period

Section 4(c)(8) application by Scott County
Bancorp, Inc., Winchester, Illinois to acquire
an equity interest of at least 7.86% in
Arizona Reconstruction Finance Company, L.L.C.,
Worth, Illinois, a de novo company formed to
acquire, service, collect and liquidate loans and
loan related assets currently owned or originated by
Founders Bank, Scottsdale, Arizona
Not yet available

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
Application
End of Comment Period
None.

*

This application is subject to CRA.




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

AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification o f Ratings:
Outstanding record o f meeting community credit needs
A n 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 lo w - and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record o f meeting community credit needs
An institution in this group has a satisfactory record o f ascertaining and helping to meet the credit
needs o f its entire delineated community, including low- and moderate- income neighborhoods, in a
manner consistent with its resources and capabilities.
Needs to improve record o f meeting community credit needs
An institution in this group needs to improve its overall record of 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 meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping to meet
the credit needs o f its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

FOR THE WEEK ENDING

Name of Bank

October 16, 1992

Bank Address

The Scott County
State Bank

P. 0. Box 158
Scottsburg, Indiana

Bank of Gainsville

P. 0. Box 68
Gainsville, Missouri




Examination
Date

Examination
Rating

7-13-92

Satisfactory

6-22-92

Satisfactory

47170
65655

FEDERAL RESERVE BANK OF MINNEAPOLIS
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

West River Holding Company
Hettinger, ND
To acquire 100% of the West River
State Bank, Hettinger, ND*

10-29-92
(Federal Register)

Franklin Bancorp, Inc.
Mpls, MN
To acquire 81% of Park Financial
of St. Paul, Inc., St. Paul, MN,
a one-bank holding company owning
the St. Anthony Park State Bank,
St. Paul, MN*

10-29-92
(Federal Register)

Milk River Investments, Inc.
Hinsdale, MT
To acquire 7.3% of the First
National Bank of Glasgow, Glasgow, MT*

Not yet available

Tower Bancshares, Inc.
Cloquet, MN
To acquire Tower-Soudan Agency,
Inc., Tower, MN, a one bank
holding company owning the State
Bank of Tower, Tower, MN*

Not yet available

Citizens Bancorporation of New
Ulm, Inc.
New Ulm, MN
To acquire, via merger, 100% of
Lafayette Bancshares, Inc.,
Lafayette, MN, a one bank holding
company owning the Citizens State
Bank, Lafayette, MN*

♦Subject to CRA




10-10-92
(Newspaper)

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

Application
Security Richland Bancorporation
Miles City, MT
To engage in general insurance agency
activities and acting as principal,
agent, or broker for credit life,
accident and health insurance directly
related to an extension of credit by
the bank holding company or any of its
subsidiaries through the acquisition
of the book of insurance business from
Richey Bancorporation, Inc., Richey,
MT.

Not yet available

Wishek Bancorporation, Inc.
Wishek, ND
To enaacre de novo in makinq and servicing
loans.

Not yet available

Tower Bancshares, Inc.
Cloquet, MN
To engage in general insurance agency
activities through the acquisition of
Tower Soudan Agency, Inc., Tower, MN.

Not yet available

Marquette Bancshares, Inc.
Mpls, MN
To enaacre de novo in data processina
services.

Not yet available

Marquette Bancshares, Inc.
Mpls, MN
To encraae de novo in makincr and servicing loans.

Not yet available

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 October 16, 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 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( ) EXAMINED
S
Lake County Bank
P. 0. Drawer E
St. Ignatius, MT 59865
(406) 745-3123
Le Sueur State Bank
229 South Main, Box 106
Le Sueur, MN 56058
(612) 665-6465




DATE OF EXAMINATION

CRA RATING

July 20, 1992

Satisfactory

July 13, 1992

Satisfactory

Federal Reserve Bank of Kansas City

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION
Century Bank Academy At Hancock,
Colorado Springs, Colorado, for prior
approval to establish a branch at
Vickers Drive and Academy Boulevard
in Colorado Springs, Colorado.*

COMMENT PERIOD ENDING DATE
Not Available

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

COMMENT PERIOD ENDING DATE

Martin and Sandra Schifferdecker,
Girard, Kansas, for prior approval to
increase their ownership of G.N.
Bancshares, Inc., Girard, Kansas,
from 23.4 percent to 27.5 percent.*

Not Available

Merchants Bancshares, Inc., Kansas
City, Missouri, to acquire 51 percent
of the voting shares of One Security
of Kansas, Inc., Kansas City,
Kansas.*

Not Available

One Security of Kansas, Inc., Kansas
City, Kansas; Mission Bancshares,
Inc., Mission, Kansas; Valley View
Bancshares, Inc., Overland Park,
Kansas; Industrial Bancshares, Inc.,
Kansas City, Kansas, to acquire 5
percent or more of the voting shares
of Merchants Bancshares, Inc., Kansas
City, Missouri.*

Not Available

MBI Bancshares, Inc., Kansas City,
Missouri, to acquire 5 percent or
more of the voting shares of The Bank
of St. Joseph, St. Joseph, Missouri.*

Not Available

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

Not Available




Federal Reserve Bank of Kansas City

Battle Creek State Company, Battle
Creek, Nebraska, for prior approval
to become a bank holding company
through the acquisition of 80.8
percent of the voting shares of
Battle Creek State Bank, Battle
Creek, Nebraska.*

Not Available

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.*

Not Available

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

None.
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 moderateincome 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.




Federal Reserve Bank of Kansas City

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

Exam Date

None.

*Application is subject to CRA.




CRA Public
Date

CRA
Rating

FEDERAL RESERVE BAN O DALLAS APPLICATIONS BULLETIN
K F
APPLICATIONS AN NOTIFICATIONS FILED DURING THE W
D
EEK OF OCTOBER 12, 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
Randy L. Ewing, Quitman, LA; John C. Sheaiy;
David G. Darland; and Joe C. Mitcham, Jr., Ruston, LA,
to acquire an interest in American National Bancshares,
Inc., Ruston, LA

N/A

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 3(a)(1) application by
South Plains Financial, Inc., Morton, TX, to acquire
South Plains Delaware Financial Corporation, Dover, DE;
South Plains Financial Corporation, Dover, DE; Morton
Financial Corporation, Morton, TX; South Plains Bank,
Level land, TX; and First State Bank, Morton, TX

92/11/08

♦Section 3(a)(1) application by
South Plains Delaware Financial Corporation, Dover, DE,
to acquire South Plains Financial Corporation, Dover, DE;
Morton Financial Corporation, Morton, TX; South Plains
Bank, Level land, TX; and First State Bank, Morton, TX

92/11/08

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




NOTICE EXP

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 OCTOBER 12. 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 thecredit 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 thecredit 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

First Bank of Snook
P. 0. Box 39
Loop 2155
Snook, Texas 77878

92/07/14




CRA Rating

Satisfactory

FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 10/16/92
Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Independent Bank of Arizona, Phoenix, Arizona,
to become a member of the Federal Reserve
System.

Newspaper:

Not available

Independent Bank of Arizona, Phoenix, Arizona,
to acquire certain assets and assume certain
liabilities of Caliber Bank, Phoenix, Arizona. *

Newspaper:

Not available

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

Comment Period Endinq Date

Independent Bancorp of Arizona, San Francisco,
California, to become a bank holding company
by acquiring Independent Banks of Arizona
(In Organization), Phoenix, Arizona. *

Newspaper:

Not available

Fed. Rea.:

Not available

American Marine Bank Employee Stock Ownership
Plan, Bainbridge Island, Washington, to become
a bank holding company by acquiring American
Marine Bank, Bainbridge Island, Washington. *

Newspaper:

10/30/92

Fed. Rea.:

Not available

Rosa Leong, Los Angeles, California, to
increase ownership from 24.9 percent up to
98 percent of Wilshire Center Bancorp, Los
Angeles, California.

Newspaper:

10/28/92

Fed. Req.:

10/16/92

Section III - Applications Subject to Federal Register Notice Only
Application

Comment Period Ending Date

None

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

* Subject to CRA




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

Week ending 10/16/92

Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during
the week ending October 16, 1992. Information about a particular
institution's CRA evaluation may be obtained directly from the institution.
Institution

Location

Examination Date

Rating*

None

* Under the rating system an institution's CRA performance is assigned one of
the following four ratings:
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