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Federal Reserve Release
H.2

Actions o f the Board, Its Staff,
and the Federal Reserve Banks:
Applications and Reports Received

No. 40

Week Ending October 4,1997

Board o f Governors o f the Federal Reserve System, Washington, DC 20551




No. 40
ACTIONS TAKEN BY THE BOARD OF GOVERNORS
TESTIMONY AND STATEMENTS
Accounting standards for derivatives and risk management activities -- statement
by Governor Phillips before the Subcommittee on Capital Markets, Securities and
Government Sponsored Enterprises of the House Committee on Banking and
Financial Services, October 1,1997.
- Published, October 1,1997
Quality and quantity of some new-design $50 notes -- statement by Theodore E.
Allison, Assistant to the Board, before the Subcommittee on Domestic and
International Monetary Policy of the House Committee on Banking and Financial
Services, October 1,1997.
- Published, October 1,1997
BANK HOLDING COMPANIES




ANB Holding Company, Ltd., Terrell, Texas, and ANB Corporation —to acquire
Lakeside Bancshares, Inc., Rockwall, Texas, and Lakeside National Bank.
- Approved, September 29,1997
Chase Manhattan Corporation, New York, New York, and Chase Holding
Delaware, Inc. -- to acquire Chase Manhattan Bank and Trust, Company, Los
Angeles, California.
- Approved, September 29,1997

H.2
September 28, 1997 to October 4, 1997
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; RBOPS - Reserve Bank Operations and Payment
Systems; IF - International Finance; OSDM - Office of Staff Director for Management
BANK BRANCHES, DOMESTIC
Kansas City
Eaton Bank, Eaton, Colorado -- to establish a branch at 930 11th Avenue and 1025
10th Street, Greeley, Colorado.
- Approved, September 30,1997
Cleveland
Heartland Bank, Croton, Ohio -- to establish a branch at 6887 East Main Street,
Reynoldsburg, Ohio.
- Approved, October 3,1997
Chicago
Old Kent Bank, Grand Rapids, Michigan —to establish a branch at the intersection
o f Lake Lansing Road and Coolidge Avenue, East Lansing, Michigan.
- Approved, September 30,1997
Chicago
Old Kent Bank, Grand Rapids, Michigan —to establish a branch at 3205 Eagle Crest
N.E.
- Approved, September 29,1997
Chicago
Old Kent Bank, Grand Rapids, Michigan -- to establish a branch at 8235 Holly
Road, Grand Blanc, Michigan.
- Approved, September 30,1997
Kansas City
State Bank & Trust Company, Colorado Springs, Colorado —to establish a branch at
5710 Palmer Park Boulevard.
- Approved, October 3,1997
BANK HOLDING COMPANIES
Dallas
ANB Corporation, Terrell, Texas —to acquire Lakeside Bancshares, Inc., Rockwall,
Texas, and Lakeside National Bank.
- Approved, September 29,1997




H.2
September 28,1997 to October 4,1997

Page 2

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Kansas City
Bank Capital Corporation, Strasburg, Colorado -- to increase ownership in Guaranty
Corporation, Denver, Colorado.
- Approved, October 1,1997
Chicago
Centre 1 Bancorp, Inc., Beloit, Wisconsin -- to acquire First Winnebago
Corporation, Winnebago, Illinois, and First National Bank of Winnebago.
- Approved, October 1,1997
New York
Chase Manhattan Corporation, New York, New York; Chase Equity Holding, Inc.,
Wilmington, Delaware; and CBC Holding (Delaware) Inc. —to acquire the corporate
trust services business of Mellon Bank Corporation, Pittsburgh, Pennsylvania, and
engage in trust company services through the acquisition of New Trust Company,
National Association.
- Approved, October 1,1997
Richmond
First National Bank of Rocky Mount, Rocky Mount, Virginia -- request for waiver
of application in connection with the proposed establishment of First National
Exchange Bank, Roanoke, Virginia.
- Granted, October 2,1997
Minneapolis
First Western Bancorp, Inc., Huron, South Dakota -- notice to acquire shares of
Direct Technology, LLC, and engage in data processing activities.
- Withdrawn, September 29,1997
Chicago
Marshall & Ilsley Corporation, Milwaukee, Wisconsin - to acquire Security Capital
Corporation and Security Bank, S.S.B.
- Approved, September 29,1997
Secretary
National City Corporation, Cleveland, Ohio —to engage through Electronic
Payment Services, Inc., a joint venture, in automated teller machine and
point-of-sale activities worldwide, and thereby engage in data processing.
- Permitted, September 29,1997




H.2
September 28, 1997 to October 4,1997

Page 3

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
New York
New Amboy, Inc., Old Bridge, New Jersey -- to acquire by merger Amboy National
Bank.
- Approved, October 1,1997
Chicago
NW Bancorp, Inc., Prospect Heights, Illinois -- to acquire Northwest Community
Bank.
- Approved, October 2,1997
Kansas City
Peoples Commercial Bancorp, Inc., Stilwell, Oklahoma -- to acquire Bank of
Commerce and to acquire shares of Peoples Bank, Westville, Oklahoma.
- Approved, October 3,1997
Atlanta
Republic Security Financial Corporation, West Palm Beach, Florida -- request for
waiver of application in connection with the proposed merger with County National
Corporation.
- Granted, September 30,1997
General Counsel
Rogers Family Limited Partnership, Little Rock, Arkansas -- determination that it is
a qualified family partnership under the Bank Holding Company Act.
- Granted, September 29,1997
Dallas
Texas Financial Bancorporation, Inc., Minneapolis, Minnesota, and Delaware
Financial, Inc., Wilmington, Delaware -- to acquire CNB Bancshares of Victoria,
Victoria, Texas, and Citizens Bancorp of Delaware, Inc., Wilmington, Delaware, and
Citizens National Bank, Victoria, Texas.
- Approved, October 1,1997
Atlanta
United Community Banks, Inc., Blairsville, Georgia - to engage in the sale of
annuities and other insurance products through United Community Agencies, Inc.
- Returned, October 2,1997




H.2
September 28, 1997 to October 4,1997

Page 4

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
San Francisco
United Security Bancorporation, Spokane, Washington —to merge with Community
Bancorporation, Pullman, Washington, and acquire Bank of Pullman.
- Approved, October 2,1997
San Francisco
Zions Bancorporation, Salt Lake City, Utah —to merge with GB Bancorporation,
San Diego, California, and acquire Grossmont Bank, San Diego, California, and to
acquire shares of Rancho Vista National Bank, Vista, California, and Pacific
Commerce Bank, Chula Vista, California.
- Approved, September 30,1997
BANK MERGERS
San Francisco
Business Bank of California, San Bernardino, California —request for waiver of
application in connection with the proposed merger with High Desert National
Bank, Hesperia, California.
- Granted, October 3,1997
Kansas City
Community Bank & Trust Company, Neosho, Missouri —to merge with Citizens
Bank of Missouri, Carl Junction, Missouri, and to establish additional branches.
- Approved, October 3,1997
Chicago
First Farmers Bank & Trust Company, Converse, Indiana -- to acquire certain assets
and assume certain liabilities of the Sheridan, Indiana, branch of NBD Bank, N.A.,
Indianapolis, Indiana, and to establish a branch.
- Approved, September 29,1997
Atlanta
Republic Security Bank, West Palm Beach, Florida —to m age with County
National Bank of South Florida, North Miami Beach, Florida.
- Approved, September 30,1997




H.2
September 28,1997 to October 4,1997

Page 5

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
BANKS, STATE MEMBER
St. Louis
PNC Bank, Kentucky, Inc., Louisville, Kentucky —request to make a community
development investment in a 24-unit low-income apartment complex.
- Granted, September 30,1997
CAPITAL STOCK
Chicago
Bankers Trust Company, Des Moines, Iowa —redemption of shares.
- Approved, October 3,1997
Kansas City
Guaranty Corporation, Denver, Colorado —redemption of shares
- Approved, October 1,1997
San Francisco
Redding Bancorp, Redding, California -- redemption of stock.
- Approved, September 29,1997
CHANGE IN BANK CONTROL
Dallas
First Haskell Bancorp, Inc., Haskell, Texas -- change in bank control.
- Permitted, October 2,1997
Atlanta
Independent Bancshares, Inc., Powder Springs, Georgia —change in bank control.
- Permitted, October 3,1997
Atlanta
Midsouth Bancorp, Inc., Lafayette, Louisiana -- change in bank control.
- Permitted, October 3,1997
Dallas
Rusk County Bancshares, Inc., Henderson, Texas - change in bank control.
- Permitted, October 2,1997




H.2
September 28,1997 to October 4,1997

Page 6

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
COMPETITIVE FACTORS REPORTS
St. Louis
Anderson National Bank of Lawrenceburg, Lexington, Kentucky —report on
competitive factors of the proposed merger with Farmers Bank of Owingsville, Inc.,
Owingsville, Kentucky.
- Submitted, October 3,1997
San Francisco
Business Bank of California, San Bernardino, California -- report on competitive
factors of the proposed merger with High Desert National Bank, Hesperia,
California.
- Submitted, September 30,1997
Dallas
City Bank & Trust of Shreveport, Shreveport, Louisiana —report on competitive
factors of the proposed merger with Interim Bank.
- Submitted, October 3,1997
San Francisco
Columbia State Bank, Tacoma, Washington —report on competitive factors of the
proposed merger with Bank of Fife, Fife, Washington.
- Submitted, September 30, 1997
Minneapolis
First American Bank, National Association, Minot, North Dakota —report on
competitive factors of the proposed merger with First American Bank, National
Association, Devils Lake, North Dakota.
- Submitted, October 3,1997
St. Louis
First Western Bank and Trust Company, Rogers, Arkansas —report on competitive
factors of the proposed purchase of certain assets and assumption of the liabilities of
the Bella Vista, Arkansas, branch of Nationsbank, N.A., Charlotte, North Carolina.
- Submitted, September 29,1997
Minneapolis
First Western Bank Wall, Wall, South Dakota —report on competitive factors of the
proposed merger with First Western Bank Custer, Custer, South Dakota.
- Submitted, October 1,1997




H.2
September 28,1997 to October 4, 1997

Page 7

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Dallas
Herring National Bank, Vernon, Texas -- report on competitive factors of the
proposed merger with BFNB Trust Company National Association, Amarillo,
Texas.
- Submitted, October 3,1997
St. Louis
Metropolitan National Bank, Springfield, Missouri -- report on competitive factors
of the proposed merger with Citizens State Bank, Marshfield, Missouri.
- Submitted, October 3,1997
Boston
National Iron Bank, Salisbury, Connecticut —report on competitive factors of the
proposed acquisition of the assets and assumption of the liabilities of Interim
National Bank.
- Submitted, September 30,1997
Dallas
Norwest Bank Texas, National Association, Lubbock, Texas - report on competitive
factors of the proposed merger with Norwest Bank Texas, South Central, Victoria,
Texas.
- Submitted, October 3,1997
Philadelphia
Port Richmond Savings, Philadelphia, Pennsylvania -- report on competitive factors
of the proposed merger with Fillmore Building and Loan Association.
- Submitted, October 1,1997
Dallas
Southwest Bank, Fort Worth, Texas —report on competitive factors of the proposed
merger with New SWB, Inc.
- Submitted, September 30,1997
San Francisco
Surety Bank, Vallejo, California, and Sunrise Bank, Roseville, California —report
on competitive factors of the proposed merger with Acquisition Co. (in
organization).
- Submitted, September 30,1997




H.2
September 28,1997 to October 4,1997

Page 8

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Dallas
Texas National Bank, Brenham, Texas —report on competitive factors of the
proposed merger with New Texas Bank.
- Submitted, October 3,1997
EXTENSIONS OF TIME
Atlanta
Century South Banks, Inc., Gainesville, Georgia -- extension to January 11, 1998, to
merge with Bank Corporation of Georgia, Macon, Georgia, and acquire First South
Bank, N.A., and Ameribank, N.A., Savannah, Georgia.
- Granted, October 2,1997
Minneapolis
Flint Creek Valley Bank, Philipsburg, Montana -- extension to November 1,1997, to
establish a branch in Drummond, Montana.
- Granted, September 29,1997
Director, BS&R
Generale de Banque, Brussels, Belgium -- extension to January 19,1999, to
conform its activities to the requirements of the Bank Holding Company Act.
- Granted, October 1,1997
Richmond
Hanover Bank, Mechanicsville, Virginia -- extension to May 10,1998, to establish a
branch at the intersection of Sliding Hill Road and Totopotomy Trail.
- Granted, October 3,1997
Chicago
Marshall & Ilsley Bank, Milwaukee, Wisconsin —extension to December 30,1997,
to merge with Security Bank, S.S.B., and establish branches.
- Granted, September 29,1997
Cleveland
Mellon Bank Corporation, Pittsburgh, Pennsylvania —extension to March 9,1998,
to acquire First Business Corporation, Los Angeles, California.
- Granted, October 2,1997




H.2
September 28, 1997 to October 4, 1997

Page 9

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Director, BS&R
Merita Ltd., Helsinki, Finland -- extension of twelve months to conform its indirect
investment in Finlandia Center, Inc.
- Granted, September 30,1997
Director, BS&R
Morgan Guaranty International Financial Corporation, Newark, Delaware —
extension of time to invest in J.P. Morgan Securities, Ltd., London, England.
- Granted, October 1,1997
Minneapolis
Norwest Corporation, Minneapolis, Minnesota —extension to December 8,1997, to
acquire Myers Bancshares, Inc., Dallas, Texas, and until December 9,1997, to
acquire Woodhaven National Bank, Fort Worth, Texas.
- Granted, October 2,1997
INTERNATIONAL OPERATIONS
Director, BS&R
First National Bank of Chicago, Chicago, Illinois —waiver of the 45-day notice
period to make an investment in Dynamo M. Ltd., Nassau, Bahamas.
- Granted, September 30,1997
MEMBERSHIP
San Francisco
Valley Independent Bank, El Centro, California -- to become a member of the
Federal Reserve System.
- Approved, October 2,1997
REGULATIONS AND POLICIES
Secretary
Federal Open Market Committee —minutes of the meeting on August 19,1997.
- Published, October 2,1997




H.2

A d d itio n s/C o rre c tio n s

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
BANK BRANCHES, DOMESTIC
Chicago
Valley Ridge Bank, Kent City, Michigan -- to establish a branch at 47th South
Charles Street, White Cloud, Michigan.
- Approved, September 19,1997
COMPETITIVE FACTORS REPORTS
Boston
Liberty Bank, Middletown, Connecticut -- report on competitive factors of the
proposed merger with First New London Savings and Loan Association, Inc., New
London, Connecticut.
- Submitted, September 10,1997
Philadelphia
National Penn Bank, Boyertown, Pennsylvania -- report on competitive factors of
the proposed purchase of certain assets and assumption of certain liabilities of the
Topton branch of Patriot Bank, Pottstown, Pennsylvania.
- Submitted, September 25,1997
EXTENSIONS OF TIME
Chicago
Community Savings Bank, Robins, Iowa —extension to June 3, 1998, to become a
member of the Federal Reserve System (included in error).
- Withdrawn, September 2,1997




District 1
Federal Reserve Bank of Boston
A p plications and notifications filed during the w eek o f 10-3-97

S ectio n I - A p p lica tio n s su b je c t to n e w sp a p e r notice only

Type

Application

Ending date o f
comment period

NONE
Footnotes

S ectio n I I - A p p lica tio n s su b je c t to b o th n e w sp a p e r a n d F e d e ra l R e g iste r notice

Type

Application

CIC

Boston Private Bancorp, Inc., Boston, MA - pursuant to section
225.41 o f Regulation Y by Charles M ichael Hazard to acquire
greater than 10% o f the outstanding common stock o f Boston
Private Bancorp, Inc.

Ending date o f
comment period
Newspaper N/Avail
Fed Reg - 10/15/97

Footnotes

S ection m - A p p lica tio n s su b je c t to F e d e ra l R e g iste r n o tice only

Ending date o f
comment period

Type

Application

4(c)(8)

Boston Private Bancorp, Inc., Boston, MA - notification pursuant to Fed Reg - 10/21/97
section 225.24(a)(2) o f Regulation Y to acquire W estfield Capital
Management Company, Inc., Boston, MA

Footnotes

S ectio n IV - A p p lica tio n s n o t s u b je c t to F e d e ra l R e g iste r o r n e w sp a p e r notice

Type
NONE
Footnotes




Application

Ending date o f
comment period

S ectio n V - A v a ila b ility o f C R A p u b lic e v a lu a tio n s

RSSD
number

Jnstitution/Location

Examination CRA
date
public date

CRA
rating

Exam type

The Community Reinvestment Act is intended to encourage depository institutions to help m eet the credit needs
o f the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted
by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation
was revised in May 1995.
The CRA requires that each depository institution's record in helping m eet the credit needs o f its entire
community be evaluated periodically. That record is taken into account in considering an institution's application
for deposit facilities.
A copy o f an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.
The federal bank regulators use the follow ing four performance levels to rate an institution's performance under
CRA:
O u ts ta n d in g
S a tis fa c to ry
N eed s to im p ro v e
S u b s ta n tia l n o n c o m p lia n c e

The follow ing state member banks have been examined and their CRA public evaluations are now available.

RSSD
number

Institution/Location

Examination CRA
date
public date

NONE
Footnotes

S ectio n V I - C R A e x a m in a tio n s sch ed u le d fo r

Institution
NONE
Footnotes




Q u a r te r o f

Location

CRA
rating

Exam type

FEDERAL RESERVE BANK OF NEW YORK
Comment Period
Ending Date

SECTIONI
Applications Subject to Newspaper
Notice Only_____
None.
SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
Canisteo Valley Corporation, Canisteo, New York, a proposed one-bank
holding company, to acquire 100 percent of the shares of common stock of
First State Bank, Canisteo, New York. 1/

10/30/97 2!

SECTION III
Nonbanking Applications
(subject to Federal Register Notice Only 1
Toronto-Dominion Bank, Toronto, Canada and Waterhouse Investors
Services, Inc., New York, New York, to acquire the assets of Kennedy,
Cabot & Co., Beverly Hills, California, and thereby engage in investment
advisory, securities brokerage and riskless principal activities.
None.
SECTION IV
Applications Not Involving
___Public Comment
Peapack-Gladstone Financial Corporation, Gladstone, New Jersey, to become
a bank holding company with respect to Peapack-Gladstone Bank, Gladstone,
New Jersey.
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.




N/A

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.
Week Ending October 4.1997
NAME OF BANK

RATING

EXAMINATION PATE

BankofAvoca
18 North Main Street
Avoca, New York 14809

Satisfactory

May 12,1997

1/ Subject to provisions of Community Reinvestment Act.
2/ Later of dates specified in newspaper and Federal Register notices.
y 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

SECTIONI - A
PPLICA
TIONS RECEIVEDA DSU JEOLTQJS
N B
EHSPAPER.
NOTICE ONLY
Community Bank and Trust Company. Forest City, PA, to acquire certain assets and assure
deposit liabilities associated with two branch offices of First Union National Bank, Charlotte,
NC, pursuant to Section 18(c) of the Federal Deposit Insurance Act.
Newspaper comment period expires:

N/Avail.

Summit Bank. Bethlehem, PA seeks to become a member of the Federal Reserve System
pursuant to Section 9 of the Federal Reserve Act.
Newspaper comment period expires:
SECTION

N/Avail.

n - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEWSPAPER
AND FEDERAL REGISTER NOTICE

Penn Woods. Williamsport, PA, to acquire up to 10 percent of Columbia Financial Institution,
Bloomsburg, PA, pursuant to Section 3(a)(3) of the Bank Holding Company Act.
Newspaper comment period expires:
Federal Register comment period expires:

10/11 /97
N/Avail.

SECTION III - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL
REGISTER NOTICE ONLY
NONE

SECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL
REGISTER NOTICE OR NEWSPAPER
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 October 3, 1997.
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/Location

Examination Date

CRA Rating

NONE

NONE

NONE




District
Federal Reserve Bank of Cleveland
A p p lication s and notifications filed during the w eek ending 10/4/97

Section I - A p p lica tio n s s u b je c t to n e w sp a p e r n o tice on ly

Type

Application

Ending date o f
comment period

NONE
Footnotes

S ection I I - A p p lica tio n s s u b je c t to b o th n e w sp a p e r a n d F e d e ra l R e g iste r notice

Type

Application

Ending date of
comment period

NONE
Footnotes

S ection I I I - A p p lic a tio n s su b je c t to F e d e ra l R e g iste r n o tice only

Type

Application

Ending date of
comment period

NONE
Footnotes

S ection IV - A p p lic a tio n s n o t s u b je c t to F e d e ra l R e g iste r o r n e w sp a p e r notice

Type

Application

4C8LLEX

Notice by Fifth Third Bancorp, Cincinnati, OH received on
October 2, 1997, o f its intent to acquire Heartland Capital
Management, Inc., Indianapolis, IN.

Footnotes




Ending date of
comment period
NONE

Section V - A va ila b ility o f C R A public evaluations

Description o f the CRA Goal against which institutions are evaluated, the four performance levels, and the
institutions fo r which an evaluation is publicly available.
The CRA requires a periodic evaluation o f each covered institution regarding the extent to which it has
ascertained, and helped meet, the credit needs o f its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.
The federal bank regulators use the follow ing four performance levels to rate an institution’s performance under
CRA.:
O u ts ta n d in g
S a tis fa c to ry
N eed s to Im p ro v e
S u b s ta n tia l n o n c o m p lia n c e

RSSD
number

Footnotes




Institution/ Location

Examination
date

CRA
public date

CRA
rating

Section VI - CRA examinations scheduled for Fourth Quarter of 1997
Institution

Location

A ndover B ank

P.O. Box 1300, Public Square, Andover, OH 44003-1300

B a n k o f C o rn in g C o m p a n y

P.O. Box 428, N . V alley Street, Coming, OH 43730-0428

C o m m e rc ia l & S avings B a n k C o.

P.O. Box 50, 701 S. Market Street, Danville, OH 43014-0050

F ifth T h ird o f N o rth e a s te rn O h io

1404 E. Ninth Street, Cleveland, OH 44114

G e n o a B a n k in g C o m p a n y

P.O. Box 98, 801 Main Street, Genoa, OH 43430-0098

H a m le r S ta te B a n k

P.O. Box 358, 210 Randolph Street, Hamler, OH 43524-0358

H o c k in g V alley B a n k

P.O. Box 4847, 7 W. Stimson, Athens, OH 45701-4847

T h e C itizen s B a n k in g C o m p a n y

P.O. Box 5016, 100 E. Water Street, Sandusky, OH 44871-5016

T h e C o rn C ity S ta te B a n k

P.O. Box 197, 120 W. Main Street, Deshler, OH 43516-0197

T h e C o rtla n d S avings & B a n k in g C o.

P.O. Box 98, 194 W. Main Street, Cortland, OH 44410-0098

T h e C u s ta r S ta te B a n k

P.O. Box 127, Main Street, Custar, OH 43511-0127

T h e F a r m e r s C itizen B a n k

P.O. Box 567, Washington Square, Bucyrus, OH 44820-0567

T h e M e ta m o ra S ta te B a n k

P.O. Box F, 120 E. Main Street, Metamora, OH 43540-0270

T h e M in s te r S ta te B a n k

P.O. Box 90, 96 W. Fourth Street, Minster, OH 45865-0090

T h e P ro v id e n t B a n k

1 E. 4th Street, Cincinnati, OH 45202

Tow ne B an k

P.O. Box 202, 610 E. South Boundary, Perrysburg, OH 43551

Footnotes




F e d e ra l R e se rve Bank o£ Richmond
Section I - Applications Subject to Newspaper
Notice Only
Comment Period Ending Date

Application
None.

Section 11 - Applications Subject to Both
Newspaper and Federal Register Notice
Comment Period Ending Date

Application
None.

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

Application
None.

Section IV - Application Not Subject to
Federal Register Notice or Newspaper Notice
Application
Triangle Bancorp, Inc., Raleigh,
North Carolina, to acquire Coastal
Leasing Corporation, Greenville,
North Carolina.




F e d e ra l R eserve Bank o£ Richmond
Section V - Availability of CRAPublic Evaluations.
Week ending October 3, 1997

p^finition 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.

RSSD
Number
None.




Name of Bank

Examination
Date___

Rating

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending October 3.1997
Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Alabama Exchange Bank
11-06-97*
Tuskegee, Alabama
To acquire the assets and assume the liabilities of a branch of First National Bank of Ashland,
Ashland, Alabama, located at 103 S. Elm Street, Tuskegee, Alabama, pursuant to Section 18(c) of
the Federal Deposit Insurance Act.
Colonial Bank
11-03-97*
Montgomery, Alabama
To establish a branch located at 5245 Service Road South, Mobile, Alabama, to be known as the
“Tillman’s Comer Office”, pursuant to Section 9 of the Federal Reserve Act.
Jamaica National Building Society
11 -02-97*
Kingston 10, Jamaica
To establish an international representative office to be located in Fort Lauderdale, Florida, pursuant
to the International Banking Act of 1978.

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

Comment Period Ending Date

Tmst No. 3 under Will of Charles Henderson
Not yet available*
Troy, Alabama
Along with Henderson Bancshares, Inc., Troy, Alabama, to acquire Pea River Capital Corporation,
and its subsidiary, The Peoples Bank of Coffee County, both of Elba, Alabama, pursuant to Section
3(a)(3) of the Bank Holding Company Act.
Community Bankshares, Inc.
10-16-97*
Cornelia, Georgia
Federal Register
After-the-fact change in control notice by Mr. J. Alton Wingate to retain 31.17 percent of the
outstanding shares of Community Bankshares, Inc., Cornelia, Georgia, pursuant to the Change in
Bank Control Act of 1978.

♦Subject to the provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending October 3.1997
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice

Application

Comment Period Ending Date

Embry Bankshares, Inc.
Not yet available*
Duluth, Georgia
After-the-fact change in control notice by Mr. Stuart A. Cashin, Jr., as co-trustee of the 1976 Mary
Jacqueline Embry Trust and the 1976 Sarah Elizabeth Embry Trust in the place of Mr. O’Neal
Embry, deceased, to retain 44.94 percent of the outstanding shares of Embry Bankshares, Inc.,
Duluth, Georgia, and its subsidiary, Embry National Bank, Lawrenceville, Georgia, pursuant to the
Change in Bank Control Act of 1978.
Great Southern Capital Corporation
10-30-97*
Employee Stock Ownership Plan
Federal Register
Meridian, Mississippi
To acquire at least 50 percent of the outstanding shares of Great Southern Capital Corporation, and
its subsidiary, Great Southern National Bank, both of Meridian, Mississippi, pursuant to Section
3(a)(3) of the Bank Holding Company Act.

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
Appalachian Bancshares, Inc.
Ellijay, Georgia
Commitment waiver request.
South Banking Company
Alma, Georgia
Post notice to expand the geographic scope of Bankers Data Services, Inc., Alma, Georgia, pursuant
to Section 225.28(b)(14) of Regulation Y and Section 4(c)(8) of the Bank Holding Company Act.
♦Subject to the provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending October 3.1997
Section 10 - Availability of CRA Public Evaluations
The CRA public evaluations of the insured depository institutions listed below became available
during this week. Information about an institution's CRA evaluation may be obtained directly from
the institution. In connection with the assessment of an institution's CRA performance, a rating is
assigned from the following groups:
Outstanding record of meeting community credit needs: An institution has an outstanding record
of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and 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.
Bank

CRA Rating

Bank of St. Petersburg
Satisfactory
777 Pasadena Avenue So.
St. Petersburg, Florida 33707
(813) 347-3132




Examination Date
06-23-97

Federal ReserveBank of Atlanta
Applications Bulletin for Week Ending October 3.1997
Recently Approved Applications

Approval Date

Republic Security Bank
09-30-97
West Palm Beach, Florida
To merge with County National Bank of South Florida, North Miami Beach, Florida, pursuant to
Section 18(c) of the Federal Deposit Insurance Act.
Republic Security Financial Corporation
09-30-97
West Palm Beach, Florida
Request for waiver of the application requirements of Section 3(a)(5) of the Bank Holding Company
Act by Republic Security Financial Corporation, West Palm Beach, Florida, in connection with its
proposed merger with County National Corporation, and its subsidiary, County Bank, both of North
Miami Beach, Florida.
Independent Bancshares, Inc.
10-03-97
Powder Springs, Georgia
After-the-fact change in control notice by Mr. Bob Maurice Prillaman and Ms. Lillias B. Prillaman
to retain 10.36 percent of the outstanding shares of Independent Bancshares, Inc., Power Springs,
Georgia, pursuant to the Change in Bank Control Act of 1978.
MidSouth Bancorp, Inc.
10-03-97
Employee Stock Ownership Plan
Lafayette, Louisiana
After-the-fact change in control notice by MidSouth Bancorp, Inc., Employee Stock Ownership Plan,
Lafayette, Louisiana, to retain 10.57 percent of the outstanding shares of MidSouth Bancorp, Inc.,
and its subsidiary, MidSouth National Bank, both of Lafayette, Louisiana, pursuant to the Change
in Bank Control Act of 1978.




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

Type

Application

Branch

Cole Taylor Bank
Chicago, Illinois
111 West Washington Street
Chicago, Illinois

NP - 10-1-97

Merger & Branch

Omni Bank
Macomb, Illinois
Farmer State Bank of Ferris
Ferris, Illinois
1395 Buchaman Street
Carthage, Illinois
Main Street
Ferris, Illinois

NP -10-18-97

Branch

1st Source Bank
South Bend, Indiana
3905 Franklin Street
Michigan City, Indiana

NP - 10-14-97

Branch

Farmers State Bank of Waupaca
Waupaca, Wisconsin
118 W. Session Street
Waupaca, Wisconsin

NP - 9-1-97

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



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

lype

Application

3(a)(1)

Marengo Bancshares, Inc.*
Marengo, Illinois
Prairie State Bank (in organization)
Marengo, Illinois

FR -10-2-97
NP - 10-15-97

3(a)(3)

Albrecht Financial Services, Inc.*
Norwalk, Iowa
Heartland Bankshares, Inc.
Madrid, Iowa
City State Bank
Grimes, Iowa

FR - 10-9-97
NP - 10-4-97

3(a)(3)

Mahaska Investment Company*
Oskaloosa, Iowa
Pella State Bank (in organization)
Pella, Iowa

FR - 9-12-97
NP - 10-3-97

3(a)(1)

Builders Financial Corporation*
Chicago, Illinois
Builders Bank (in organization)
Chicago, Illinois

FR -10-23-97
NP - 08-21-97

3(a)(1)

George Washington Bancorp, Inc.*
Oak Lawn, Illinois
George Washington Savings Bank
Oak Lawn, Illinois

FR -10-6-97
NP -10-27-97

3(a)(1)

Mercantile Bank Corporation*
Grand Rapids, Michigan
Mercantile Bank of West Michigan (in organization)
Grand Rapids, Michigan

FR - 10-9-97
NP - 9-29-97

3(a)(3)

FBOP Corporation*
Oak Park, Illinois
California Bank, N.A. (in organization)
Beverly Hills, California

FR -10-27-97
NP - **




Ending Date

Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspaper
Register Notice cont’d

.E
e.dera.1
Comment Period
Ending Date

Type

Application

3(a)(3)

FBOP Corporation*
Oak Park, Illinois
First Capital Bank of Arizona
Phoenix, Arizona

FR - 10-2-97
NP - 9-21-97

CoC-HC

Tabor Enterprises, Inc.
Tabor, Iowa
By J. Randel Smith, Jerry A. Jobe
and Grant R. Schaaf

FR - 10-1-97
NP - 9-24-97

3(a)(1) &
4(c((8)

Washington Bancorp*
Washington, Iowa
Rubio Savings Bank of Brighton
Brighton, Iowa
Washington Federal Savings Bank
Washington, Iowa

FR -10-23-97
NP - 10-25-97

3(a)(1)

Fisher Bancorp, Inc.*
Fisher, Illinois
Fisher National Bank
Fisher, Illinois

FR - 10-24-97

3(a)(1)

Midland Bancshares, Inc.*
Kincaid, Illinois
The Midland Community Bank
Kincaid, Illinios

FR -10-31-97

Sparta Union Bancshares, Inc.*
Sparta, Wisconsin
Union National Bank & Trust Company
Sparta, Wisconsin

PR _ **

3(a)(1)




N P _ **

NP - **

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

Ixpe

Application

Comment Period
Ending Date

NONE

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

lype

Application

ROS

Tabor Enterprises, Inc.
Tabor, Iowa
To redeem 5,200 shares or 52% of the common stock

ROS

Bankers Trust Company
Des Moines, Iowa
To redeem $2 million of noncumulative perpetual preferred stock.




Federal Reserve Bank of Chicago
Section V - 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 3, 1997. 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 has a needs to improve its overall record of ascertaining
and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.

SN -

An institution in this group has a substantial noncompliance 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 NAME/IQCATIQN

EXAMINATION DATE

RATINGS

Pullman Bank and Trust Company
1000 East 114th Street
Chicago, Illinois 60628-4697
(773) 602-8200
RSSD # 15536

4/28/97

S

Quad City Bank and
Trust Company
2118 Middle Road
Bettendorf, Iowa 52722
(319)344-0600
RSSD # 2142155

3/27/97

S

Federal Reserve Bank of Chicago
Section V - Availability of CRA Public Evaluations

Cant’d

BANK NAME/LOCATION
The State Bank of Geneva
22 South 4th Street
P.O. Box 108
Geneva, Illinois 60134-0108
(630) 232-3200
RSSD #991135




EXAMINATION DATE
6/23/97

r a t in g s

s

RESERVE B A N K APPLICATIONS BULLETIN

For week ending October 3, 1997

FEDERAL RESERVE BANK OF ST. LOUIS
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)(1) notification by Horizon Bancorp of
South Arkansas, Inc., Magnolia, Arkansas, to acquire
Horizon Bank of Columbia County, Magnolia, Arkansas.
* Section 3(a)(1) notification by Peoples Bancorporation,
Inc., Cuba, Missouri, to acquire Peoples Investment
Corporation, Cuba, Missouri.

End of Comment Period

Newspaper: 10-24-97

Newspaper: 10-20-97

* Section 3(a)(1) notification by First National Bancorp,
Inc., Green Forest, Arkansas, to acquire First National Bank
in Green Forest, Green Forest, Arkansas.

Newspaper: 11-1-97

* Section 3(a)(3) notification by First National Security
Company, DeQueen, Arkansas, to acquire First Financial
Corporation of Idabel, Idabel, Oklahoma.

Newspaper: 11-4-97

SECTION m - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE

Application

End of Comment Period

None.

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE

Application
Section 9 notification by PNC Bank, Kentucky, Inc.,
Louisville, Kentucky, to make an additional investment in
a community development project, with the aggregate of all
such investments exceeding 5% of the bank’s capital stock
and surplus.



End of Comment Period

N/A

RESERVE B A N K APPLICATIONS BULLETIN

F or week ending O ctober 3, 1997

FEDERAL RESERVE BANK OF ST. LOUIS
SECTIONV AVAILABILITYOF CRAPUBLIC DISCLOSU
RES
Identification of Ratings:
Outstanding record o f meeting community credit needs

An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping
to meet the credit, needs of 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 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 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 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.

BankRSSD
Number
None




Name of Bank

Bank Address

Examination
Date

Examination
Rating

RESERVE B A N K APPLICATIONS BULLETIN

F or week ending O ctober 3, 1997

SECTION VI - CRA EXAMINATIONS SCHEDULED
Examinations may have to be rescheduled during the calendar quarter in which they are designated
to begin. If an institution's examination is rescheduled for a date later than the end of the date range
reflected in a published schedule, the institution's name will be republished in an appropriate later
listing. Any comments received as a result of either the first publication or subsequent publications
will be considered during the examination.

RSSD
Number




Name

City

State

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

Application
First Interstate Bank, Billings, Montana, for prior approval to merge
with First Interstate Bank, fsb, Hamilton, Montana, and, incident
thereto, to establish a branch. *

October 24, 1997

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

Comment Period
Ending Date

U.S. Bancorp, Minneapolis, Minnesota for prior approval to merge
with Zappco, Inc., St. Cloud, Minnesota. *

October 24,1997
(Federal Register)

James DeForest Bennett, First PREMIER Bank, as Custodian FBO
Emil William Erhardt IRA, Donald James Bennett, Steven Leroy Tostenrud,
Alex Richard Zier, William Earl Thomdal, Robert Harry Sizemore,
William Jerome Curley, Jon Fredric Sustarich, Kenneth Leroy Baker,
Gregory Fred Bormann, Duncan Davis Flann, Ronald Herman Hornischer,
Reid Edmund Erickson, and Karen L. Eide, Trustee, Eide & Eide CPAs
Keogh Plan, as a group acting in concert, to acquire control of 75.50% of
the voting shares of Citizens Development Company, Billings, Montana.

October 23,1997
(Federal Register)

James DeForest Bennett, First PREMIER Bank, as Custodian FBO
Emil William Erhardt IRA, Donald James Bennett, Steven Leroy Tostenrud,
Alex Richard Zier, D.A. Davidson & Co. as custodian FBO William Earl
Thomdal IRA, William Earl Thomdal, Robert Harry Sizemore,
William Jerome Curley, Jon Fredric Sustarich, Kenneth Leroy Baker,
Gregory Fred Bormann, Duncan Davis Flann, Ronald Herman Hornischer,
Reid Edmund Erickson, and Karen L. Eide, Trustee, Eide & Eide CPAs
Keogh Plan, as a group acting in concert, to acquire control of 79.47%
of the voting shares of United Bancorporation, Billings, Montana.

October 23,1997
(Federal Register)

* Subject to CRA




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section III - Applications Subject
to Federal Register Notice Only
Comment Period
- E nding Pate

ApplicattQ
n
U.S. Bancorp, Minneapolis, Minnesota to engage in data processing
activities through the acquisition of Zappco, Inc., St. Cloud, Minnesota
and indirectly its nonbank subsidiary, Zapp Data, Inc.

October 24,1997

Citizens Development Company, Billings, Montana to engage de novo
in lending activities.

October 23,1997

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Montana First National Bancorporation, Kalispell, Montana for prior
approval to become a bank holding company through the acquisition
of at least 80% of the voting shares of Montana First National Bank
of Kalispell, Kalispell, Montana.




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending October 3,1997
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/Si EXAMINED

PATE OF EXAMINATION

CRA RATING

Cheyenne Western Bank
P.O. Box 368
Ashland, MT 59003-0368
(406) 784-2302

June 23,1997

Satisfactory

Citizens State Bank of St. James
123 Armstrong Boulevard South
St. James, Minnesota 56081-0107
(507) 375-3201

June 30,1997

Outstanding




Federal Reserve Bank of Kansas City

Week Ending October 3, 1997

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
COMMENT PERIOD

APPLICATION

asj.tiigSPATE

Michael P. Landen, Dallas, Texas, to acquire voting
shares of Security National Corporation, Omaha,
Nebraska; and thereby indirectly acquire Security
National Bank of Omaha, Omaha, Nebraska.

October 22, 1997

TCA Financial Corporation, Englewood, Colorado, to
become a bank holding company by acquiring 100
percent of the voting shares of Trust Company of
America, Boulder, Colorado, a d£ novo bank in
organization.*

October 31, 1997

SECTION

m - 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.




Federal Reserve Bank of Kansas City

Week Ending October 3, 1997

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 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.

Exam Date

CRA Public
Date

Citizens Bank of Ardmore 255556
1100 N. Commerce
Ardmore, Oklahoma 73401-3985

07-14-97

09-30-97

Satisfactory

Farmers State Bank
376657
1st Street
Stanberry, Missouri 64489-0129

07-21-97

10-02-97

Satisfactory

06-30-97

10-03-97

Satisfactory

Bank/Location

Tri State Bank
616 E. Speer Boulevard
Denver, Colorado 80203

RSSD#

33558

♦Application is subject to CRA.



CRA

R ate

District 11
Federal Reserve Bank of Dallas
A pplications and N otifications F iled D uring the W eek o f S eptem ber 2 9 , 1997 *

Section I - Applications subject to newspaper notice only
Type

Application

Comment period
ending date

None.
* Subject to CRA.
** Comment period ending date is the date specified in the newspaper only.
N/A - Not available at this time.

Section II - Applications subject to both newspaper and Federal Register notice
Comment period
ending date

Type

Application

♦Section 3(a)(1)

SWB Bancshares, Inc., Fort Worth, TX, to acquire
**97/10/23
SW Financial, Inc., Dover, DE, and
Southwest Bank, Fort Worth, TX
(Previously reported during the week of September 22, 1997)

♦Section 3(a)(1)

SW Financial, Inc., Dover, DE, to acquire
**97/10/23
Southwest Bank, Fort Worth, TX
(Previously reported during the week of September 22, 1997)

Change in Control Carmen P. Smith Family Limited Partnership, Wichita Falls, **97/10/01
TX, only notificant, to acquire an interest in
Notice
AmeriBancshares, Inc., Wichita Falls, TX
(Previously reported during the week of September 2, 1997)
♦Section 3(a)(3)

Olney Bancshares of Texas, Inc., Olney, TX, and Olney
Bancorp of Delaware, Inc., Wilmington, DE, to acquire
First National Bank of Borger, Borger, TX, Citizens
National Bank of Childress, Childress, TX, and First State
Bank of Canadian, N.A., Canadian, TX

N/A

♦Section 3(a)(1)

Amador Merger Corporation, Las Cruces, NM, to acquire
Amador Bancshares, Inc., Las Cruces, NM, and Citizens
Bank of Las Cruces, Las Cruces, NM

N/A

* Subject to CRA.
** Comment period ending date is the date specified in the newspaper only.
N/A - Not available at this time.



Federal Reserve Bank of Dallas
Section II - Applications subject to both newspaper and Federal Register notice
Type

Application

Comment period
ending date

Section III - Applications subject to Federal Register notice only
Type

Application

Comment period
ending date

None.
* Subject to CRA.

Section IV - Applications not subject to Federal Register or newspaper notice
Type

None.




Application

Comment period
ending date

Federal Reserve Bank of Dallas
Section V - Publicly available CRA evaluations
Description of the CRA goal against which institutions are evaluated, the four performance levels, and the
institutions for which an evaluation is publicly available.

The CRA requires a periodic evaluation of each covered institution regarding the extent to which is has
ascertained, and helped meet, the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
The federal bank regulators use the following four performance levels to rate an institution's performance
under CRA:
Outstanding
Satisfactory
Needs to improve
Substantial noncompliance
RSSD
number

Examination
date

Institution/ Location

None.

Section VI - CRA examinations scheduled
Institution

*N/A*
* Not Available.




CRA
public date

CRA
rating

"‘Outstanding

Quarter of
Location

FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 10/03/97

Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Westamerica Bank, San Rafael, CA, to establish a mobile
branch office to serve Marin County, California. *

Newspaper:

10/31/97

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Heritage Financial Corporation to become a
bank holding company by acquiring Heritage Savings
Bank, both of Olympia, Washington. *

Newspaper:

Not available

Fed. Reg. :

10/31/97

Greater Bay Bancorp, Palo Alto, California, to
acquire Peninsula Bank of Commerce, Millbrae,
California. *

Newspaper:

Not available

Fed. Reg.:

10/31/97

Section 111 -Applications Subject to Federal Register Only
The Sanwa Bank, Limited, Osaka, Japan, to engage in
leasing and financing activities through the acquisition of
Morcroft Capital Corporation, Fairfield, New Jersey.

Fed. Reg.:

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

* Subject to CRA.




10/21/97

FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 10/03/97
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institutions) below became available during this week. Information
about a particular institution's CRA evaluation may be obtained directly from the institution.
Institution

LwatiQH

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 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- to moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

The above listing has been prepared as a courtesy by the Federal Reserve Bank of San Francisco, and
is not intended to replace formal notices required by statute or regulation; the Reserve Bank assumes no
responsibility for errors or omissions.



H.2A
Notice of Formations and Mergers of, and Acquisitions by, Bank Holding
Companies; Change in Bank Control
Notices Filed as of October 3,1997
The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act of
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j)), Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board of Governors, no
later than the end of the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end of this release.
The public portions of the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;
addresses are listed at the end of this release. Applications and notices also may be obtained from the
Board.
Applicant o r notificant

Acquiree o r activity

1867 Western Financial
Corporation(l),
Stockton, CA
CONTINUED

Capital Corp of the West,
Merced, CA, & Town &
Country Finance & Thrift
Co., Turlock, CA &
Capital West Group, Inc.,
Stockton, CA operating an
industrial loan co. (b)(4);
providing credit life
insurance (b)(l 1);
management consulting
(b)(9); CONTINUED

1867 Western Financial
Corporation^),
Stockton, CA
CONTINUED

Reserve Bank

End of comment period

4

San Francisco

August 26, 1997

& investment & financial
advice (b)(6)

4

San Francisco

August 26, 1997

1867 Western Financial
Corporation, Stockton,
CA

Capital Corp of the West,
Merced, CA & County
Bank, Merced, CA

3

San Francisco

September 2, 1997

Alabama National
BanCorporation,
Birmingham, AL

First American Bancorp,
Decatur, AL & First
American Bank, Decatur,
AL

3

Atlanta

October 24, 1997




Section of law

A p i a to n t f c n
p l c n r oiiat

Acquireeo a t v t
r ciiy

Albrecht Financial
Services, Inc., Norwalk,
IA

Heartland Bankshares, Inc.,
Madrid, IA & City State
Bank, Grimes, IA

3

Chicago

October 9,1997

Amador Merger
Corporation, Las
Cruces, NM

Citizens Bank of Las
Cruces, Las Cruces, NM

3

Dallas

October 31,1997

CIBC

Atlanta

October 16, 1997

Arrendale Undiversified
Family Limited
Partnership^), Baldwin,
GA
CONTINUED
Cynthia Bussey, in their
individual capacities

S c i no law ReserveBank
eto f

End o comment p r o
f
eid

Arrendale Undiversified
Family Ltd.
Partnership(l), Baldwin,
GA; its general partners,
Thomas A. Arrendale,
III, Gainsville, GA;
Cynthia Bussey,
Altanta, GA; & Thomas
A. Arrendale, Jr.,
Clarkesville, GA;
Thomas A. Arrendale,
m ,&
CONTINUED

Habersham Bancorp,
Cornelia, GA, &
Habersham Bank,
Clarkesville, GA
CONTINUED

CIBC

Atlanta

October 16,1997

Banco Bilbao Vizcaya,
S.A.,
Bilbao, Spain

BBV Latlnvest Securities
Inc.,
New York, NY,
securities activities (b)(1),
(b)(4), (b)(15), and (b)(16)

4

New York

March 4, 1997

Bank Capital
Corporation, Strasburg,
CO

Guaranty Corporation,
Denver, CO

3

Kansas City

September 26,1997

Bank of New York
Company, Inc.,
New York, NY

State Street Boston
Corporation,
Boston, MA;
State Street Bank and Trust
Company,
Boston, MA
trust, securities and data
processing activities (b)(3),
(bX4), and (b)(7)

3 and 4

New York

March 14, 1997




Applicant or notificant

Acquiree or activity

Section of law

Reserve Bank

End of comment period

Barnett Banks, Inc.(2),
Jacksonville, FL; First
Union Corp., Charlotte,
NC; First Virginia
Banks, Inc., Falls
Church, VA; Jefferson
Bankshares, Inc.,
Charlottesville, VA;
NationsBank Corp.,
Charlotte, NC; Riggs
Nat'l Corp.,
Washington, D.C.;
CONTINUED

4

Richmond

September3,1997

Barnett Banks, Inc.(3),
Jacksonville, FL; Signet
Banking Corp.
Richmond, VA;
SunTrust banks, Inc.,
Atlanta, GA; Synovus
Financial Corp.,
Columbus, GA, &
Wachovia Corporation,
Winston-Salem, NC

4

Richmond

September3,1997

Barnett Banks, Inc.,
Jacksonville, FL;
Crestar Financial Cor.,
Richmond, VA; First
Union Corp. Charlotte,
NC; NationsBank Corp.,
Charlotte, NC; Southern
National Corp.,
Winston-Salem, NC;
and Wachovia Corp.,
Winston-Salem, NC

HONOR Technologies, Inc.
Maitland, FL
data processing and
electronic funds transfer
services, (b)(7)
Card Alert Services, Inc.
Arlington, VA
providing debit card
securities services (bX7)

4

Richmond

March 27,1997

Boston Private Bancorp,
Inc., Boston, MA

Westfield Capital
Management Company,
Inc., Boston, MA, financial
investment advisory
activities (b)(6)

4

Boston

October 21,1997

Boston Private Bancorp,
Inc., Boston, MA

Westfield Capital
Management Company,
Inc., Boston, MA, in
financial & investment
advisory activities (bX6)

4

Boston

October 14, 1997




A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Bradley Investments,
L.L.L.P., Golden, CO,
Bradley, Leo N.,
Golden, CO, Bradley,
Susan Q., Denver, CO,
and Bradley, Jeffrey N.,
Denver, CO

Evergreen Bancorporation,
Evergreen, CO &
Evergreen National Bank,
Evergreen, CO

CIBC

Kansas City

October 10,1997

Builders Financial
Corporation, Chicago, IL

Builders Bank, Chicago, IL

3

Chicago

October 23,1997

California Community
Financial Institutions
Fund Limited
Partnership; Belvedere
Capital Partners, Inc., &
Newco, all of San
Francisco, CA &
National Bancorp of
Alaska, Inc.,
Anchorage, AL

Securities First Bank,
Fulleton, CA

3

San Francisco

September 29,1997

Calvin B. Taylor
Bankshares, Inc., Berlin,
MD

Calvin B.Taylor Banking
Company of Berlin
Maryland, Berlin, MD, &
Calvin B. Taylor Bank of
Delaware, Ocean View, DE

3

Richmond

September 15,1997

Canadian Impercial
Bank of Commerce(3),
Toronto, CA
CONTINUED

agency transactional
services (bX7); in
underwriting & delaing in
government obligations &
money market instruments,
providing investments &
trading services & buying
& selling bullion & related
activities (b)(8)

4

New York

August 28,1997

Canadian Imperial Bank
of Commerce(l),
Toronto, Canada
CONTINUED

CIBC Wood Gundy
Securities Corp. ("CIBC
Wood Gundy”), New York,
NY, all the outstanding
shares of Oppenheimer
Holdings, Inc., New York,
NY, & its subsidiaries,
including
Oppenheimer & Co., Inc.,
New York, NY in
underwriting &
CONTINUED

4

New York

August 28, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

Applicant or notificant

Acquiree or activity

Canadian Imperial Bank
of Commerce(2),
Toronto, Canada
CONTINUED

dealing to a limited extent
in all types of equity & debt
securities; lending (bXl),
(b)(2); financial &
investment advisory
services (bX6); securities
brokerage, riskless
principal, private
placement, futures
commission merchant &
other
CONTINUED

4

New York

August 28, 1997

Canisteo Valley
Corporation, Canisteo,
NY

First State Bank, Canisteo,
NY

3

New York

October 30,1997

Capitol Bancorp, Ltd.,
Lansing, MI

Muskegon Commerce
Bank, Muskegon, MI

3

Chicago

October 31,1997

Carolina First
Corporation, Greenville,
SC

First Southeast Financial
Corporation, Anderson, SC
& First Federal Savings &
Loan Association of
Anderson, Anderson, SC in
operating a savings & loan
association (bX4Xii)

4

Richmond

September 3,1997

Carruth, Johnny Bob,
Lubbock, TX;
Cleveland, Walter
Charles, Idalou, TX;
Hobgood, Robert
Charles, Haskel, TX;
Morris, Kim Holder,
Houston, TX; Thigpen,
Joseph Emitt, Haskell,
TX; Toliver, Bailey Lee,
Haskell, TX, & Toliver,
Samuel Ray, Haskell,
TX

First Haskell Bancorp, Inc.,
Haskell, TX& First
National Bank, Haskell, TX

CIBC

Dallas

September 26,1997

Cashin, Stuart A., Jr.,
Duluth, GA

Embry Bankshares, Inc.,
Duluth, GA & Embry
National Bank,
Larenceville, GA

CIBC

Atlanta

October 21,1997




Section of law

Reserve Bank

End of comment period

S c i no law ReserveBank
eto f

A p i a to n t f c n
p l c n r oiiat

Acquiree o a t v t
r ciiy

Centre 1 Bancorp, Inc.,
Beloit, WI

First Winnebago
Corporation, Winnebago,
IL & First National Bank of
Winnebago

3

Chicago

September 26, 1997

Citizens Bankers, Inc.,
Baytown, TX

First National Bank of Bay
City, Bay City, TX

3

Dallas

October 6, 1997

Citizens Bankers, Inc.,
Baytown, TX, and
Citizens Bankers of
Delaware, Wilmington,
DE

First National Bank of Bay
City, Bay City, TX

3

Dallas

September 18, 1997

Citizens Development
Co., Billings, MT

Citizens Development Col.,
Billings, MT, in making &
servicing loans, (b)(1)

4

Minneapolis

October 23, 1997

Citizens Financial
Corp., Midwest City, OK

U.S. National Bank,
Midwest City, OK

3

Kansas City

October 16, 1997

Coddle Creek Financial
Corp., Mooresville, NC

Mooresville Savings Bank,
SSB, Mooresville, NC

3

Richmond

October 16, 1997

Community Bancshares
of West Plains, Inc.,
West Plains,
MO

Community First National
Bank of West Plains, West
Plains,
MO

3

St. Louis

October 24,1997

Community Bankshares,
Inc., Denver, CO

Dove Creek State Bank,
Dover Creek, CO

3

Kansas City

October 20, 1997

Community First
Bankshares, Inc., Fargo,
ND

Republic National Bancorp,
Inc., Pehoenix, AZ &
Republic National Bank of
Arizona, N.A., Phoenix, AZ

3

Minneapolis

October 6, 1997

Community First
Bankshares, Inc., Fargo,
ND

First National Summit
Bankshares, Inc., Gunnison,
CO & First National
Summit Bank, Gunnison,
CO

3

Minneapolis

October 6, 1997

Community National
Corporation, Lexington,
TN

Community National Bank
of Tennessee, Lexington,
TN

3

St. Louis

October 17, 1997




End o comment p r o
f
eid

Applicant or notificant

Acquiree or activity

Compass Bancshares,
Inc., Birmingham, AL

GSB Investments, Inc.,
Gainesville, FL &
Gainsville State Bank,
Gainesville, FL

3

Atlanta

October 6,1997

Cortez Investment Co.,
Cortez, CO

The Cortez State Bank,
Cortez, CO

3

Kansas City

October 6,1997

CSB Bancshares, Inc.,
Ellsworth, KS

Wilson Bancshares, Inc.,
Wilson, KS & Wilson State
Bank, Wilson, KS

3

Kansas City

October 23,1997

Davis, John Francis, and
Davis, Carman Lee,
both of Concordia, KS

Tri-County Bancshares,
Inc., Linn, KS,
& Tri-County National
Bank, Washington, KS

CIBC

Kansas City

October 15, 1997

Deutsche Bank, AG
(Main)
Federal Republic of
Germany

Ganis Credit Corporation,
Newport Beach, CA,
lending (b)(1)

4

New York

May 12,1997

Exchange National
Bancshares, Inc.,
Jefferson City, MO

Union State Bancshares,
Inc., Clinton, MO & Union
State Bank & Trust
Company of Clinton,
Clinton, MO

3

St. Louis

October 2,1997

F.N.B. Corporation,
Hermitage PA &
Southwest Banks, Inc.,
Naples, FL

Mercantile Bank of
Southwest Florida, Naples,
FL

3

Cleveland

October 10,1997

F.N.B. Corporation,
Hermitage, PA

Indian Rocks State Bank,
Largo, FL

3

Cleveland

September 2, 1997

FBOP Corporation, Oak
Park, IL

First Capital Bank of
Arizona, Phoenix, AZ

3

Chicago

October 2,1997

FBOP Corporation, Oak
Park, IL

California Bank, N.A.,
Beverly Hills, CA

3

Chicago

October 27,1997

First Banks, Inc., St.
Louis, MO

Surety Bank, Vallejo, CA

3

St. Louis

October 14,1997




Section of law

Reserve Bank

End of comment period

A p i a to n t f c n
p l c n r oiiat

Acquireeora t v t
ciiy

First Citizens
Bancshares, Inc.,
Dyersburg, TN

Bank of Troy, Troy, TN

3

St. Louis

October 30, 1997

First Commercial
Corporation, Little
Rock, AR

First Charter Bancshares,
Inc., North Little Rock, AR,
& Charter State Bank,
Beebee, Arkansas, Beebe,
AR

3

St. Louis

September 19,1997

First National
Bancshares, Inc., East
Lansing, MI

Finance Company of North
America, LLC, East
Lansing, MI in making and
servicing loans (b)(1)

4

Chicago

August 17,1997

First National Bank of
Las Animas ESOP, Las
Animas, CO

First Bankshares of Las
Animas, Inc., Las Animas,
CO & First National Bank,
Las Animas, CO

3

Kansas City

October 6,1997

First National of
Nebraska, Inc., Omaha,
NE, & its subsidiary
First National of
Colorado, Inc., Fort
Collins, CO

Platte Valley National
Bank, Grand Island, NE &
First National of Nebraska,
Lincoln, NE

3

Dallas

August 25, 1997

First State Bancshares,
Inc., Farmington, MO

Perry County Financial
Corporation, Perryville,
MO, and
Perry County Savings
Bank, FSB,
Perryville, MO operating a
savings
association (b)(4)

4

St. Louis

August 1, 1997

First Union
Corporation(l),
Charlotte, NC
CONTINUED

Signet Banking Corp., &
Signet Bank, Richmond,
VA; Signet Commercial
Credit Corp., Richmond,
VA making loans that are
typcially secured by
inventory, accounts
receivable or like security
& are generally structured
on a revolving basis (bXl);
CONTINUED

3 and 4

Richmond

September 19,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeo a t v t
r ciiy

First Union
Corporation^),
Charlotte, NC
CONTINUED

and other nonbanking
activities (b)(l l)(iv); (b)(5)
(b)(7), (b)(8), (b)(6)

3 and 4

Richmond

September 19,1997

First United Bancshares,
Inc., El Dorado, AR

City Bank & Trust of
Shreveport, Shreveport, LA

3

St. Louis

October 9, 1997

FirstBank Holding
Company of Colorado,
ESOP, Lakewood, CO

FirstBank Holding
Company of Colorado,
Lakewood, CO

3

Kansas City

October 9,1997

Fischer Bancorp, Inc.,
Fischer, IL

Fisher National Bank,
Fisher, IL

3

Chicago

October 24, 1997

Frame, Chark S. &
David C., Doylestown,
PA

Premier Bancorp, Inc.,
Doylestown, PA & Premier
Bank, Doylestown, PA

CIBC

Philadelphia

October 22, 1997

FSB Bancorp, MHC &
FSB Bancorp, both of
Farmington, ME
CORRECTION

Franklin Savings Bank,
Farmington, MN

CIBC

Boston

August 28, 1997

FSB Bancorp, MHC,
and FSB Bancorp, both
of Farmington, ME

Franklin Savings Bank,
Farmington, ME

3

Boston

August 28, 1997

George Washington,
Bancorp, Inc., Oak
Lawn, IL

George Washington
Savings Bank, Oak Lawn,
IL

3

Chicago

October 6,1997

Gilinski, Jaime, Santafe
de Bogota, Columbia

Eagle National Holding
Company, Inc., Miami, FL

CIBC

Atlanta

October 1, 1997

Gold Banc Corporation,
Inc., Leawood, KS

Farmers Bancshares of
Oberlin, Inc., Oberlin, KS,
and Farmers National Bank,
Oberlin, KS

3

Kansas City

August 21,1997

Great Southern Capital
Corporation Employee
Stock Ownership Trust,
Meridian, MS

Great Southern Capital
Corporation, Meridian, MS,
& Great Southern National
Bank, Meridian, MS

3

Atlanta

October 30, 1997

Greater Bay Bancorp,
Palo Alto, CA

Peninsula Bank of
Commerce, Millbrae, CA

3

San Francisco

October 31, 1997




S c i no law Reserve Bank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeo a t v t
r ciiy

Greenblatt, Leon A., Ill,
and Chiplease, Inc.,
both of Chicago, IL

Home Financial Bancorp,
Spencer, IN, and Owen
Community Bank, S.B.,
Spencer, IN

CIBC

Chicago

July 9, 1997

Greer, Elmo,
East Bemstadt, KY

Cumberland Valley
Financial Company,
London, KY

croc

Cleveland

May 23, 1997

Grell, Steven; Bovee
Investment Trust,
Bovee, Michael R.,
Trustee; Tamisiea,
Bruce; Nystrom, Bruce;
Grave, Gary; Cotton,
John M.; & Hultgren,
David M.; all of
Spencer, LA, acting in
concert

Albert City Bankshares,
Inc., Albert City, LA &
Albert City Savings Bank,
Albert City, IA & The
Citizens State Bank,
Marathon, IA

CIBC

Chicago

August 29,1997

Griffin Investment, L.P.
& Griffin General
Partner, Inc., both of
Cameron, MO

Griffin Bancshares, Inc.,
Cameron, MO & Pony
Express Bank, Braymer,
MO

3

Kansas City

October 16,1997

Harbor, Lacy J.,
Denison, TX

Marble Falls National
Bancshares, Inc., Marble
Falls, TX,& Marble Falls
National Bank, Marble
Falls, TX

croc

Dallas

September 4,1997

Hardin County
Bancshares, Inc.,
Savannah, TN

Majors Insurance Agency,
Inc.,
Adamsville, TN general
insurance agency activities
in a town of less than 5,000

4

St. Louis

August 26,1997

S c i no law ReserveBank
eto f

End o comment p r o
f
eid

(bXH)
Hazard, Charles
Michael, Boston, MA

Boston Private Bancorp,
Inc., Boston,
MA, & Boston Private
Bank & Trust
Company, Boston, MA

croc

Boston

October 15,1997

Hazard, Charles
Michael, Boston, MA
CORRECTION

Boston Private Bancorp,
Inc., Boston, MA & Boston
Private Bank & Trust
Company, Boston, MA
CORRECTION

croc

Boston

October 15,1997




A p i a to n t f c n
p l c n r oiiat

Acquireeo a t v t
r ciiy

Heath, Craig Dwight,
Phoenix, AZ

Texico Bancshares
Corporation, Texico, IL &
Texico State Bank, Texico,
IL

CIBC

St. Louis

October 1,1997

Heritage Financial
Corporation, Olympia,
WA

Heritage Savings Bank,
Olympia, WA

3

San Francisco

October 31,1997

Hibernia Corporation,
New Orleans, LA

Unicorp Bancshares-Texas
Inc., Orange, TX, and
OrangeBank, Orange, TX

3

Atlanta

August 11, 1997

Hibernia Corporation,
New Orleans, LA

Northwest Bancshares of
Louisiana, Inc., Mansfield,
LA & First National Bank
in Mansfield, Mansfield, LA

3

Atlanta

October 24, 1997

Horizon Bancorp of
South Arkansas, Inc.,
Magnolia, AR

Horizon Bank of Columbia
County, Magnolia, AR

3

St. Louis

October 20,1997

Industrial Bank of
Japan, Ltd.,
Tokyo, Japan

Aubrey G. Lanston & Co.,
Inc.,
New York, NY, securities
activities (b)(7); data
processing (b)(14);
financial & investment
activities (b)(6); and
underwriting (b)(8)

4

New York

May 12,1997

Iron Bancshares, Inc.,
Salisbury, CT

The National Iron Bank,
Salisbury, CT

3

Boston

October 2, 1997

Jackson Boulevard
Fund, Ltd.; Jackson
Boulevard Equities, L.P.
& Paul J. Duggan, all of
Chicago, IL

Damen Financial
Corporation, Schaumburg,
IL & Damen National
Bank, Schaumburg, IL

CIBC

Chicago

September 3, 1997

Jacobsen, Sam J.,
Middleton, WI

First Business Bancshares,
Madison, WI & First
Business Bank, Madison,

CIBC

Chicago

August 28,1997




WI

S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Jasper Banking
Company Second
Amended and Restated
Employee Stock
Ownership Stock Bonus
Plan (ESOP), Jasper, GA

JBC Bancshares, Inc.,
Jasper, GA

CIBC

Atlanta

August 12, 1997

Kazi, Zubair and Khatija,
Studio City, CA;
and Yahia and Magda
Abdul-Rahman,
Pasadena, CA

Kentucky Home Bank,
Bardstown, KY

3

San Francisco

April 17, 1997

Kroll, Rodney, G;
Copeland, Newman E.;
Slamans, Scott J.; Gray,
Rondy, T.; Turner,
Charles B.; DuBois,
James H., all of Waco,
TX, and Salome,
Tommy G., Crawford,
TX, & Time
Manufacturing
Company., Waco, TX

First Riesel Corporation,
Riesel, TX & First State
bank, Riesel, TX

CIBC

Dallas

September 30, 1997

Lagomarsino, Richard
A., and Robert J.,
both of Ventura, CA, &
Wood, Catherine S.,
Carpinteria,
CA; acting in concert

Americorp, Ventura, CA,
and American Commercial
Bank, Ventura, CA

CIBC

San Francisco

August 6, 1997

Lagomarsino, Richard
A.; Lagomarsino,
Ramona; Ramona
Lagomarsino Family
Limited Partnership;
Lagomarsino, Robert J.,
all of Ventura, CA; &
Lagomarsino, Norma
M; Wood, Catherine S.;
& Wood, Jack W.;
acting in concert, all of
Carpinteria, CA

Americorp, Ventura, CA,
and American Commerical
Bank, Ventura CA

CIBC

San Francisco

August 20, 1997

Landen, Michael P.,
Dallas, TX

Security National
Corporation, Omaha, NE &
Security National Bank of
Omaha, Omaha, NE

CIBC

Kansas City

October 22,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeora t v t
ciiy

Leake Family
Partnership, L.P.,
Jackson,
MS

Citizens Capital
Corporation, Magee, MS,
and
Citizens State Bank, Magee,
MS

CIBC

Atlanta

July 23, 1997

Lexington B & L
Financial Corp.,
Lexington,
MO

Lafayette Bancshares, Inc.,
Lexington, MO, and
Lafayette
County Bank of
Lexington/Wellington,
Lexington, MO; and B & L
Bank, Lexington, MO
operating a savings
association (b)(4)

3 and 4

Kansas City

August 4, 1997

Lloyds TSB Group
PLC, and Lloyds Bank
PLC,
both of London, England

IAI Holdings Inc.,
Investment Advisers, Inc.,
Minneapolis, MN, trust
services (b)(3); investment
advisory services (b)(4);
full-service brokerage
(b)(15); foreign exchange
execution & advisory
services, and other advisory
& administrative services

4

New York

March 26, 1997

Mahaska Investment
Company, Oskaloosa, IA

Pella State Bank, Pella, IA

3

Chicago

September 12,1997

MainStreet BankGroup
Incorporated,
Martinsville, VA

Commerce Bank
Corporation, College Park,
MD

3

Richmond

October 6, 1997

Marengo Bancshares,
Inc., Marengo, IL

Prairie State Bank,
Marengo, IL

3

Chicago

October 2, 1997

MBNA Corporation,
Wilmington, DE

MBNA America Bank
(Delaware), Wilmington,
DE

3

Philadelphia

November 1,1997

Mercantile Bancorp,
Inc., Quincy, Illinois,
Quincy, IL

Golden Bancshares, Inc.,
Golden, IL & Golden State
Bank, Golden, IL & Brown
County State Bank, Mount
Sterling, IL

3

St. Louis

October 27,1997




S c i no law Reserve Bank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeora t v t
ciiy

Mercantile Bank
Corporation, Grand
Rapids, MI

Mercantile Bank of West
Michigan, Grand Rapids, MI

3

Chicago

October 9,1997

Mid America Banking
Corporation, Columbia,
MO

Pulaski Bancshares, Inc.,
Dixon, MO & State Bank of
Dixon, Dixon, MO

3

St. Louis

October 27,1997

Mid America Mortgage
Services, Inc.,
Columbia, MO; Mid
America Mortgage
Services of St. Louis,
Inc., St. Louis, MO; Mid
America Mortgage
Services of Springfield,
Inc.,
Springfield, MO

Mid America Banking
Corporation, Columbia,
MO, & Pulaski Bancshares,
Inc., Dixon, MO, & State
Bank of Dixon,
Dixon, MO

3

St. Louis

October 27,1997

Midland Bancshares,
Inc., Kincaid, IL

The Midland Community
Bank, Kincaid, IL

3

Chicago

October 31, 1997

MidSouth Bancorp, Inc.,
ESOP, Lafayette, LA

MidSouth Bancorp, Inc.,
Lafayette, LA & MidSouth
National Bank, Lafayette,
LA

CIBC

Atlanta

September 30,1997

Midwest Community
Bancshares, Inc.,
Marion, IL

The Bank of Marion,
Marion, IL

3

St. Louis

September 2,1997

Mutual Bancorp of the
Berkshires, Inc.,
Pittsfield, MA

Pittsfield Central
Development Company,
LLC., Pittsfield, MA,
community development
activities (b)(12)

4

Boston

October 10,1997

Mutual Bancorp of the
Berkshires, Inc.,
Pittsfield, MA

Trust Company of the
Berkshires, N.A., Pittsfield,
MA, performing trust
company functions (b)(5)

4

Boston

October 10,1997

Mutual Bancorp of the
Berkshires, Inc.,
Pittsfield, MA

Lee National Banc Corp.,
Lee, MA, & First National
Bank of the Berkshires,
Lee, MA & City Savings
Bank of Pittsfield,
Pittsfield, MA

3

Boston

September 19,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquiree o a t v t
r ciiy

Myers, Judy Noe,
Dallas, TX

Rusk County Bancshares,
Inc., Henderson, TX &
Peoples State Bank,
Henderson, TX

CIBC

Dallas

September 24, 1997

National Bank of
Canada, Montreal,
Canada & NatBC
Holding Corporation,
Hollywood, FL

Natbank, N.A., Hollywood,
FL & Natbank, N.A.

3

New York

October 3, 1997

National City
Bancshares, Inc.,
Evansville, IN

Fourth First Bancorp, Inc.,
Huntingburg, IN & First
Bank of Huntingburg,
Huntingburg, IN

3

St. Louis

October 3, 1997

National Commerce
Bancorporation,
Memphis, TN

First Market Banks, FSB,
Memphis, TN, operation of
a federal savings bank
(b)(4).

4

St. Louis

October 10, 1997

New Amboy, Inc., Old
Bridge, NJ

Amboy Bancorporation,
Old Bridge," NJ & Amboy
National Bank, Old Bridge,
NJ

3

New York

September 26, 1997

Northside Banking
Corporation, Tampa, FL

Northside Bank of Tampa,
Tampa, FL

3

Atlanta

August 29, 1997

Norwest Corporation,
Minneapolis, MN,
through its wholly
owned subsidiaries
Norwest Financial
Services, Inc., and
Norwest Financial, Inc.,
both of Des Moines, IA

Cityside Fin.'l Serv.s of WI,
Inc., Cityside Savings &
Fin.'l Services, Co., &
Cityside Insurance Co.,
Ltd., Eden Prairie, MN, in
consumer fin. (b)(1); the
sale of insur. (b)(l l)(i), (ii)
& (iii) & the operation of a
nonbank depository
institution (b)(4)

4

Minneapolis

October 17, 1997

O.A.K. Financial
Corporation, Byron
Center,
MI

Caledonia Financial
Corporation,
Caledonia, MI, & State
Bank of Caledonia,
Caledonia,
MI

3

Chicago

August 15, 1997




S c i no law Reserve Bank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeora t v t
ciiy

Olney Bancshares of
Texas, Inc., Olney, TX
& Olney Bancorp of
Delaware, Inc.,
Wilimington, DE

First National Bank of
Borger, Borger, TX;
Citizens National Bank of
Childress, Childress, TX &
First State Bank of
Canadian, N.A., Canadian,
TX

3

Dallas

October 16,1997

Olympian New York
Corporation, Brooklyn,
NY

Olympian Bank, Brooklyn,
NY

3

New York

October 9,1997

Olympic Bancorp, Port
Orchard, WA

Kitsap Bank, Port Orchard,
WA

3

San Francisco

September 19, 1997

One Valley Bancorp,
Inc., Charleston, WV

One Valley Bank-Central
Virginia, N.A., Lynchburg,
VA

3

Richmond

October 9,1997

P.C.B. Bancorp, Inc.,
Largo, FL

Anchor Savings Bank,
F.S.B., St. Petersburg, FL
operating a savings
association (bX4)

4

Atlanta

August 8, 1997

Paradigm
Bancorporation, Inc.,
Houston, TX &
Paradigm Delaware
Bancorporation, Inc.,
Dover, DE

First National Bank of
Dayton, Dayton, TX

3

Dallas

October 3,1997

Pederson, Richard Paul
II, Page, ND

Page Bank Holding
Company, Page, ND, &
Page State Bank, Page, ND

CIBC

Minneapolis

October 17, 1997

Penns Wood Bancorp,
Inc., Williamsport, PA

Columbia Financial
Corporation, Bloomsburg,
PA & First Columbia Bank
& Trust Company,
Bloomsburg, PA

3

Philadelphia

October 20, 1997

Peoples Bancorp, Inc.,
Marietta, OH

Gateway Bancorp, Inc.,
Catlettsburg, KY, and
Catlettsburg Federal
Savings Bank, Catlettsburg,
KY operating a savings
association (bX4Xii)

4

Cleveland

August 1,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquiree o a t v t
r ciiy

Peoples Bancorporation,
Inc., Cuba, MO

Peoples Investment
Corporation, Cuba, MO &
Peoples Bank, Cuba, MO

3

St. Louis

October 17, 1997

Peoples Commercial
Bancorp, Inc., Stilwell,
OK

Bank of Commerce,
Stilwell, OK & Peoples
Bank, Westville, OK

3

Kansas City

September 26,1997

Peoples Community
Bancshares, Inc.,
Colquitt,
GA

Farmers Bank of Malone,
Malone, FL

3

Atlanta

August 11,1997

Peoples Financial Corp.,
Inc., Ford City, PA

Elderton State Bank,
Elderton, PA

3

Cleveland

August 25, 1997

Plainview Holding
Company,
Pilger, NE

American National
Creighton Co.,
Creighton, NE, and
American National Bank of
Creighton,
Creighton, NE

3

Kansas City

June 23, 1997

Planters & Merchants
Bancshares, Inc.,
Heame,
TX, & Planters &
Merchants Bancshares
of Delaware, Inc.,
Wilmington, DE

Homestead Bank, S.S.B.,
College Station, TX

3

Dallas

August 14,1997

Platt, Michael D.,
Hardtner, KS; Molz,
James L., Kiowa, KS;
Collins, David C., &
Pederson, Roland
C., both of Burlington,
OK

B-K Agency, Inc. Hardtner,
KS, & The Farmers State
Bank, Hardtner, KS

CIBC

Kansas City

September 10,1997

Popular, Inc., Hato Rey,
Puerto Rico

Houston Bancorporation,
Inc., Houston, TX, &
Citizens National Bank,
Houston, TX

3

New York

October 16, 1997

Preimer Bancorp, Inc.,
Doylestown, PA

Preimer Bank, Doylestown,
PA

3

Philadelphia

October 23, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquiree o a t v t
r ciiy

Premier Bancshares,
Inc., Atlanta, GA

Citizens Gwinnett
Bankshares, Inc., Duluth,
GA & Citizens Bank of
Gwinnett, Duluth, GA

3

Atlanta

October 31,1997

Prillaman, Bob Maurice
& Lillias B., Marietta,
GA

Independent Bancshares,
Inc., Powder Springs, GA

CIBC

Atlanta

August 29,1997

Proffitt, Richard Todd,
Pigeon Forge, TN

Tennessee State
Bancshares, Inc., Pigeon
Forge, TN (formerly
Gatlinburg, TN), and
Tennessee State Bank,
Gatlinburg, TN

CIBC

Atlanta

August 5,1997

Progress Bancshares,
Inc., Sullivan, MO

Progress Bank of Sullivan,
Sullivan, MO, a
de novo bank

3

St. Louis

August 8,1997

Provident Financial
Group, Inc., & FGBI
Acquisition Corp., both
of Cincinnati, OH

Florida Gulfcoast Bancorp,
Inc., Sarasota, FL, and
Enterprise National Bank of
Sarasota,
Sarasota, FL

3

Cleveland

July 24, 1997

Rice Lake Bancorp,
Inc., Rice Lake, WI

TALCO, Inc., Menomonie,
WI & Menomonie Shares,
Inc., Menomonie, WI;
Menomonie Financial
Services, Inc., Menomonie,
WI & First Bank and Trust,
Menomonie, WI

3

Minneapolis

October 9,1997

Riverside Gulf Coast
Banking Company,
Cape Coral, FL

Riverside Bank of the Gulf
Coast, Cape Coral, FL

3

Atlanta

October 24,1997

Rockdale National
Bankshares, Conyers,
GA
CORRECTION

Rockdale National Bank,
Conyers, GA

3

Atlanta

August 22,1997

Rockdale National
Bankshares, Inc.,
Conyers, GA

Rockdale National Bank,
Conyers, GA

3

Atlanta

August 25, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquiree o a t v t
r ciiy

Rockdale National
Bankshares, Inc.,
Conyers, GA

Rockdale National Bank,
Conyers, GA

3

Atlanta

August 22, 1997

Roseau Realty Co., Inc.,
Roseau, MN

Citizens State Bank of
Roseau, Roseau, MN, in
general insurance agency
activities (b)(l l)(iii)(A )

3 and 4

Minneapolis

October 23,1997

Security Bank Holding
Company ESOP and
Security Bank Holding
Company, both of Coos
Bay, OR

Pacific State Bank,
Reedsport, OR

3

San Francisco

October 20,1997

Security State
Bancshares, Inc.,
Charleston, MO

Merchants and Planters
Bank of Homersville,
Homersville, MO

3

St. Louis

October 24, 1997

Shields, James Homer,
III, London, England

Sebastian Bankshares, Inc.,
Barling, AR & River Valley
Bank and Trust, Lavaca, AR

CIBC

St. Louis

September 24, 1997

SIS Bancorp, Inc.,
Springfield, MA

Glastonbury Bank & Trust
Company, Glastonbury, CT

3

Boston

October 16, 1997

Smith, Carmen P.
Family Limited
Partnership; Smith,
Carmen P.; &
Woodruff, Peggie J., as
General Partners, all of
Wichita Falls, TX

AmeriBancShares, Inc.,
Wichita Falls, T X &
AmeriBancShares of
Delaware, Inc.,
Wilmington, DE &
American National Bank,
Wichita Falls, TX

CIBC

Dallas

September 24, 1997

Smith, James Randel,
Auburn, NE; Jobe, Jerry
A. Tabor, IA; and
Schaaf, Grant, T.,
Randolph, IA

Tabor Enterprises, Inc.,
Tabor, IA & First State
Bank, Tabor, IA

CIBC

Chicago

October 1, 1997

Smith, James Randel,
Auburn, NE; Jobe, Jerry
A., Tabor, IA, and
Schaaf, Grant T.,
Randolph, IA
CORRECTION

Tabor Enterprises, Inc.,
Tabor, IA, & First State
Bank, Tabor, IA
CORRECTION

CIBC

Chicago

October 1, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeo a t v t
r ciiy

Spanjer, Leland, Cozad,
NE, in his capacity as
Personal Representative
of the Estate of Clifford
G. Young

C.S.B. Co., Cozad, NE,
Cozad State Bank & Trust
Company, Cozad, NE, and
First National Bank of
Chadron, Chadron, NE

croc

Kansas City

August 11, 1997

Spectrum
Bancorporation, Inc.,
Omaha, NE

First Savings & Loan
Association of South
Dakota, Inc., Aberdeen, SD
in the operation of a savings
association (b)(4)

4

Minneapolis

September 26,1997

Spehar, David L. &
Nancy A., Kansas City,
KS

First Community
Bancshares, Inc., Kansas
City, KS, and First
Community Bank, Kansas
City, KS

croc

Kansas City

August 5, 1997

SWB Bancshares, Inc.,
Fort Worth, TX&SW
Financial, Inc., Dover,
DE

Southwest Bank, Fort
Worth, TX

3

Dallas

October 23, 1997

TCA Financial
Corporation,
Englewood, CO

Trust Company of America,
Boulder, CO

3

Kansas City

October 31, 1997

Texas Financial
Bancorporation, Inc.,
Minneapolis, MN &
Delaware Financial,
Inc., Wilmington, DE

CNB Bancshares of
Victoria, Victoria, TX &
Citizens Bancorp of
Delaware, Inc.,
Wilimington, DE &
Citizens National Bank,
Victoria, TX

3

Dallas

September 26, 1997

The Chase Manhattan
Corporation & Chase
Holdings Delaware,
Inc., New York, NY
CORRECTION

Chase Manhattan Bank &
Trust Company, National
Association, Los Angeles,
CA

3

New York

August 18, 1997

The First national Bank
of St. James ESOP, St.
James, MN

The First National Agency
at St. James, St. James, MN,
& The First National Bank
of St. James, St. James, MN

3

Minneapolis

October 20, 1997

The Marine BancCorp,
Inc., Chincoteague, VA

The Marine Bank,
Chincoteague, VA

3

Richmond

October 6, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquiree o a t v t
r ciiy

The Sanwa Bank
Limited, Osaka, Japan

Morcroft Capital
Corporation, Fairfield, NJ,
leasing& financing
activities, (b)(3) & (b)(1)

4

San Francisco

October 21,1997

Triangle Bancorp, Inc.,
Raleigh, NC

Bank of Mecklenburg,
Charlotte, NC

3

Richmond

August 1, 1997

Trust No. 3 Under Will
of Charles Henderson,
Troy, AL,
& Henderson
Bancshares, Inc., Troy,
AL

Pea River Capital,
Corporation, Elba, AL, &
Peoples Bank of Coffee
County, Elba, AL

3

Atlanta

October 24, 1997

Trustbank Financial
Corporation, Denver, CO

Trust Bank of Colorado,
Denver, CO

3

Kansas City

October 20, 1997

U.S. Bancorp,
Minneapolis, MN

Zappco, Inc., St. Cloud,
MN & The First National
Bank of Little Falls, Little
Falls, MN; Melrose State
Bank, Melrose, MN; &
Zapp National Bank of St.
Cloud, St. Cloud, MN &
Zapp Data, Inc., St. Cloud,
MN, providing data
processing services (b)(14)

3 and 4

Minneapolis

October 24,1997

Union Planters
Corporation, Memphis,
TN

Capital Bancorp, Miami, FL
& Capital Bank, Miami, FL

3

St. Louis

October 3,1997

UST Corp. Boston, MA
CORRECTION

Firestone Financial Corp.,
Newton, MA in installment
loan and lease financing
activities to commercial
customer (b)(1) & (b)(3)

4

Boston

September 5, 1997

UST Corp., Boston, MA

Firestone Financial Corp.,
Newton, MA in installment
loan & lease financing
activities to commercial
customers (b)(1) & (b)(3)

4

Atlanta

September 15, 1997

Vail Banks, Inc., Vail,
CO

Cedaredge Financial
Services, Inc., Cedaredge,
CO

3

Kansas City

October 6, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquireeora t v t
ciiy

Voorhees, Steven L.,
Harvard, NE

Harvard State Company,
Harvard, NE & Harvard
State Bank, Harvard, NE

CIBC

Kansas City

September 29,1997

Wachovia Corporation,
Winston-Salem, NC

1st United Bancorp, Boca
Raton, FL, & First United
Bank, Boca Raton, FL, &
United Bancorp's
subsidiary, Island
Investment Service, Inc.,
Palm Beach, FL in
securities brokerage
activities (bX7Xi)

3

Richmond

September 15,1997

Wachovia Corporation,
Winston-Salem, NC

Central Fidelity Banks,
Inc., & Central Fidelity
National Bank, Richmond,
VA; Central Fidelity
Insurance Agency,
Inc., Richmond, VA acting
as an agent or broker in the
sale of credit related
insurance (bXl 1)

3 and 4

Richmond

September 26,1997

Warwick Community
Bancorp, Inc., Warwick,
NY

Warwick Savings Bank,
Warwick, NY

3

New York

October 24,1997

Washington Bancorp,
Washington, IA

Rubio Savings Bank of
Brighton, Brighton, IA &
Washington Federal
Savings Bank, operating a
savings association (bXl 1)

3 and 4

Chicago

October 23,1997

Wingate, J. Alton,
Cornelia, GA

Community Bankshares,
Inc., Cornelia, GA, &
Community Bank & TrustJackson, Commerce,
GA; Community Bank &
Trust-Troup, LaGrange,
GA, & Community Bank &
Trust-Alabama, Union
Springs, AL

CIBC

Atlanta

October 16,1997

Winter-Park
Bancshares, Inc.,
Cameron, WI

Owen-Curtiss Financial
Corporation, Rice Lake, WI
& Brill Bancshares, Inc.,
Rice Lake, WI & Brill State
Bank, Brill, WI

3

Minneapolis

October 23,1997




Section of law

Reserve Bank

End of comment period

A p i a to n t f c n
p l c n r oiiat

Acquiree o a t v t
r ciiy

Yaeger, Marion P.,
Trust, Grand Rapids, MI

Litchfield Bancshares
Company, Litchfield, IL &
Litchfield National Bank,
Litchfield, IL

CIBC

St. Louis

September 26,1997

Young, David E.,
Chattanooga, TN

East Ridge
Bancshares, Inc., East
Ridge, TN, and Bank of
East Ridge, East Ridge, TN

CIBC

Atlanta

July 22, 1997

Young, Susan Aileen,
Chicago, IL

C.S.B. Co., Cozad, NE, and
Cozad State Bank & Trust
Company, Cozad, NE, and
First National Bank of
Chadron, Chardron, NE

CIBC

Kansas City

August 5, 1997

Zions Bancorporation,
Salt Lake City, UT

GB Bancorporation, San
Diego, CA & Grossmont
Bank, San Diego, CA;
Rancho Vista National
Bank, Vista, CA & Pacific
Commerce Bank, Chula
Vista, CA

3

San Francisco

September 22, 1997

Zions Bancorporation,
Salt Lake City, LIT

GB Bancorporation, San
Diego, CA, & Grossmont
Bank, San Diego, CA

3

San Francisco

September 15, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

Addresses for Comments and Information Requests
Addresses for comments differ from those for information requests.

Addresses fo r Comments
Comments on the applications and notices may be sent to the appropriate Federal Reserve Bank or
the Board.
Federal Reserve Bank of Boston
Richard Walker, Community Affairs Officer, 600 Atlantic Avenue, Boston, MA
02106-2204
Federal Reserve Bank of New York
Betsy Buttrill White, Senior Vice President, 33 Liberty Street, New York, NY 10045-0001
Federal Reserve Bank of Philadelphia
Michael E. Collins, Senior Vice President, 100 North 6th Street, Philadelphia,
PA 19105-1521
Federal Reserve Bank of Cleveland
Jeffrey Hirsch, Banking Supervisor, 1455 East Sixth Street, Cleveland, OH
44101-2566
Federal Reserve Bank of Richmond
A. Linwood Gill, III, Assistant Vice President, 701 East Byrd Street, Richmond, VA 23261-4528
Federal Reserve Bank of Atlanta
Lois Berthaume, Vice President, 104 Marietta Street, N.W., Atlanta, GA
30303-2713
Federal Reserve Bank of Chicago
Philip Jackson, Applications Officer, 230 South LaSalle Street, Chicago, IL
60690-1413
Federal Reserve Bank of St. Louis
Randall C. Sumner, Vice President, 411 Locust Street, St. Louis, MO 63102-2034
Federal Reserve Bank of Minneapolis
Karen L. Grandstrand, Vice President, 250 Marquette Avenue, Minneapolis, MN 55480-2171
Federal Reserve Bank of Kansas City
D. Michael Manies, Assistant Vice President, 925 Grand Avenue, Kansas City, MO 64198-0001
Federal Reserve Bank of Dallas
Genie D. Short, Vice President, 2200 North Pearl Street, Dallas, TX 75201-2272
Federal Reserve Bank of San Francisco
Pat Marshall, Manager of Analytical Support, Consumer Regulation Group, 101 Market Street, San
Francisco, CA 94105-1579
Board of Governors of the Federal Reserve System
William W. Wiles, Secretary, 20th & Constitution Avenue, N.W., Washington, DC 20551-0001




Information Requests
The public portions of the applications and notices currently listed in this release are available on an
expedited basis from the appropriate Federal Reserve Bank. The public portion of the application also
may be obtained from the Board.
Federal Reserve Bank of Boston

Jonathan Fine (TEL: 617-973-3339; FAX: 617-973-3219)
Federal Reserve Bank of New York

Margaret Carmody (TEL: 212-720-7924; FAX: 212-720 -6628)
Federal Reserve Bank of Philadelphia

Rosanna Crosier (TEL: 215-574-6581; FAX: 215-574-4146)
Federal Reserve Bank of Cleveland

Jim Terlop (TEL: 216-579-2197; FAX: 216-579-2932)
Federal Reserve Bank of Richmond

Gaile Clark (TEL: 804-697-8825; FAX: 804-697-8283)
Federal Reserve Bank of Atlanta

Wayne Smith (TEL: 404-589-7265; FAX: 404-589-7342)
Federal Reserve Bank of Chicago

Frank Skweres (TEL: 312-322-4785; FAX: 312-322-5894)
Federal Reserve Bank of St. Louis

Cathie Windsor (TEL: 314-444-4638; FAX: 314-444-8740)
Federal Reserve Bank of Minneapolis

Paula Charles (TEL: 612-372-2982; FAX: 612-344-2702)
Federal Reserve Bank of Kansas City

Patty Biesemeyer (TEL: 816-881-2464; FAX: 816-881-2252)
Federal Reserve Bank of Dallas

Rob Jolley (TEL: 214-922-6071; FAX: 214-922-6302)
Federal Reserve Bank of San Francisco

Michael Johnson (TEL: 415-974-2995; FAX: 415-974-3031)
Board of Governors of the Federal Reserve System

Freedom of Information Office (TEL: 202-452-3684; FAX: 202-872-7562, and 202-872-7565)




H.2A
N t c o Formations and Mergers o,and A q i i i n b ,Bank Holding
oie f
f
custos y
Companies; Change i Bank Control
n
Notices Filed since the H.2A dated October 3,1997
The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act o f
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j)), Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board o f Governors, no
later than the end o f the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end o f this release.
The public portions o f the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;
addresses are listed at the end of this release. Applications and notices also may be obtained from the
Board.
Applicant or notificant

Acquiree or activity

Bennett, James(l),
Billings, MT; First
PREMIER Bank as
Custodian/FBO Emil
Erhardt IRA,
Stevensville, MT;
Donald Bennett,
Columbia Falls, MT;
Steven Tostenrud,
Billings, MT; Alex Zier,
Lewistown, MT;
William Thomdal,
Laurel, MT;
CONTINUED

Citizens Development Co.,
Billings, MT, & First
Security Bank of Laurel,
Laurel, MT; First Citizens
Bank of Billings, Billings,
MT; Citizens State Bank,
Hamilton, MT; First
Citizens Bank, N.A.,
Columbia Falls, MT: First
National Bank
CONTINUED




Section of law
CIBC

Reserve Bank
Minneapolis

End of comment period
October 23, 1997

A p i a to n t f c n
p l c n r oiiat

Acquireeo a t v t
r ciiy

Bennett, James(2),
Billings, MT; Robert
Sizemore, Chinook,
MT; Wiliam Curley,
Oyenette, WI; Jon
Sustarich, Cambridge,
WI; Kenneth Baker,
Osceola, IA; Gregory
Bormann, Stickney, SD;
Duncan Flann, Iroquois,
SD; Ronald Homischer,
Merrill, WI;
CONTINUED

of Lewistown, Lewistown,
MT & Western Bank of
Chinook, N.A., Chinook,
MT

CIBC

Minneapolis

October 23, 1997

Bennett, James(4),
Billings, MT; D.A.
Davidson & Co., as
custodian/FBO William
Thomdal IRA, Laurel,
MT; and James
Bennett, et al
CONTINUED

United Bancorporation,
Billings, MT & Bank of
Poynette, Poynette, WI;
Cambridge State bank,
Cambridge, WI; Clarke
County State Bank,
Osceola, IA; Farmers State
Bank, Stickney, SD;
Fanners & Merchants State
Bank, Iroquois, SD;
CONTINUED

CIBC

Minneapolis

October 23, 1997

Bennett, James(5),
Billings, MT
CONTINUED

Lincoln County Bank,
Merrill, WI & United Bank,
Osseo, WI

CIBC

Minneapolis

October 23,1997

Citizens Bancshares
Company, Chillicothe,
MO

Trenton Trust Bancshares,
Inc., Trenton, MO &
Trenton Trust Company,
Trenton, MO

3

Kansas City

November 7,1997

City National
Corporation, Beverly
Hills, CA

Harbor Bancorp, Long
Beach, CA & Harbor Bank,
Long Beach, CA

3

San Francisco

November 7,1997

Douglas, Ronald B.,
Medina, WA

Washington Commercial
Bancorp, Redmond, WA &
Redmond National Bank,
Redmond, WA

CIBC

San Francisco

October 29,1997

First National Bancorp,
Inc., Green Forest, AR

First National Bank of
Green Forest, Green Forest,
AR

3

St. Louis

November 3,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f c n
p l c n r oiiat

Acquiree o a t v t
r ciiy

First National Security
Company, DeQueen, AR

First Financial Corporation
ofldabel, Idabel,OK&
First State Bank ofldabel,
Idabel, OK

3

St. Louis

November 7,1997

Midland First Financial
Corporation, Lee's
Summit, MO

Midland Bank, Lee's
Summit, MO

3

Kansas City

November 3,1997

Roscoe Community
Bankshares, Inc.,
Roscoe, SD

Roscoe Financial Services,
Inc., Roscoe, SD & First
State Bank of Roscoe,
Roscoe, SD

3

Minneapolis

October 28,1997

Smith Mustang Ltd.,
Rio Vista, TX; Lowell
Smith, Jr., General
Partner

Mustang Financial
Corporation, Rio Vista,
TX, & First State Bank of
Rio Vista, Rio Vista, TX

CIBC

Dallas

October 28,1997

Sparta Union
Bancshares, Inc., Sparta,
WI

Union National Bank &
Trust Company, Sparta, WI

3

Chicago

November 3, 1997

Trust No. 3 Under Will
of Charles Henderson,
Troy, AL

Pea River Capital
Corporation, Elba, AL, &
The Peoples Bank of Coffee
County, Elba, AL

3

Atlanta

November 3,1997

U.S. Bancorp(2),
Minneapolis, MN
CONTINUED

arranging commercial real
estate equity financing,
asset manamange servicing
& collection activities, &
acquiring debt in default
(b)(2)(H), (vi), & (vii);
leasing personal or real
property (b)(3); financial &
investment advisory (b)(6);
CONTINUED

4

Minneapolis

October 29, 1997

U.S. Bancorp(3),
Minneapolis, MN
CONTINUED

agency transactional
services for customer
investments (b)(7);
investment transactions as
principal (b)(8);
management consulting &
counseling (b)(9);(i)(AXl)
and (2); & insurance agency
activities (b)(l l)(vii)

4

Minneapolis

October 29,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

Applicant or notificant

Acquiree or activity

US Bancorp(l),
Minneapolis, MN
CONTINUED

U.S. Bancorp Investment,
Inc., Minneapolis, MN, in
underwriting & dealing in
commercial paper,
municipal revenue bons,
mortgage-backed securities,
& consumer-receivablerelated securities; in
extending credit &
servicing loans (bXl);
CONTINUED




Section of law
4

Reserve Bank
Minneapolis

End of comment period
October 29, 1997

Addresses for Comments and Information Requests
Addresses for comments differ from those for information requests.

Addresses fo r Comments
Comments on the applications and notices may be sent to the appropriate Federal Reserve Bank or
the Board.
Federal Reserve Bank of Boston
Richard Walker, Community Affairs Officer, 600 Atlantic Avenue, Boston, MA
02106-2204
Federal Reserve Bank of New York
Betsy Buttrill White, Senior Vice President, 33 Liberty Street, New York, NY 10045-0001
Federal Reserve Bank of Philadelphia
Michael E. Collins, Senior Vice President, 100 North 6th Street, Philadelphia,
PA 19105-1521
Federal Reserve Bank of Cleveland
Jeffrey Hirsch, Banking Supervisor, 1455 East Sixth Street, Cleveland, OH
44101-2566
Federal Reserve Bank of Richmond
A. Linwood Gill, III, Assistant Vice President, 701 East Byrd Street, Richmond, VA 23261-4528
Federal Reserve Bank of Atlanta
Lois Berthaume, Vice President, 104 Marietta Street, N.W., Atlanta, GA
30303-2713
Federal Reserve Bank of Chicago
Philip Jackson, Applications Officer, 230 South LaSalle Street, Chicago, IL
60690-1413
Federal Reserve Bank of S t Louis
Randall C. Sumner, Vice President, 411 Locust Street, St. Louis, MO 63102-2034
Federal Reserve Bank of Minneapolis
Karen L. Grandstrand, Vice President, 250 Marquette Avenue, Minneapolis, MN 55480-2171
Federal Reserve Bank of Kansas City
D. Michael Manies, Assistant Vice President, 925 Grand Avenue, Kansas City, MO 64198-0001
Federal Reserve Bank of Dallas
Genie D. Short, Vice President, 2200 North Pearl Street, Dallas, TX 75201-2272
Federal Reserve Bank of San Francisco
Pat Marshall, Manager of Analytical Support, Consumer Regulation Group, 101 Market Street, San
Francisco, CA 94105-1579
Board of Governors of the Federal Reserve System
William W. Wiles, Secretary, 20th & Constitution Avenue, N.W., Washington, DC 20551-0001




Information Requests
The public portions of the applications and notices currently listed in this release are available on an
expedited basis from the appropriate Federal Reserve Bank. The public portion o f the application also
may be obtained from the Board.
Federal Reserve Bank of Boston
Jonathan Fine (TEL: 617-973-3339; FAX: 617-973-3219)
Federal Reserve Bank of New York
Margaret Carmody (TEL: 212-720-7924; FAX: 212-720 -6628)
Federal Reserve Bank of Philadelphia
Rosanna Crosier (TEL: 215-574-6581; FAX: 215-574-4146)
Federal Reserve Bank of Cleveland
Jim Terlop (TEL: 216-579-2197; FAX: 216-579-2932)
Federal Reserve Bank of Richmond
Gaile Clark (TEL: 804-697-8825; FAX: 804-697-8283)
Federal Reserve Bank of Atlanta
Wayne Smith (TEL: 404-589-7265; FAX: 404-589-7342)
Federal Reserve Bank of Chicago
Frank Skweres (TEL: 312-322-4785; FAX: 312-322-5894)
Federal Reserve Bank of St. Louis
Cathie Windsor (TEL: 314-444-4638; FAX: 314-444-8740)
Federal Reserve Bank of Minneapolis
Paula Charles (TEL: 612-372-2982; FAX: 612-344-2702)
Federal Reserve Bank of Kansas City
Patty Biesemeyer (TEL: 816-881-2464; FAX: 816-881-2252)
Federal Reserve Bank of Dallas
Rob Jolley (TEL: 214-922-6071; FAX: 214-922-6302)
Federal Reserve Bank of San Francisco
Michael Johnson (TEL: 415-974-2995; FAX: 415-974-3031)
Board of Governors of the Federal Reserve System
Freedom of Information Office (TEL: 202-452-3684; FAX: 202-872-7562, and 202-872-7565)




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