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Federal R eserve R elease
H.2

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

No. 37
W eek E n d in g Septem ber 1 3 ,1 9 9 7

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




N o. 37

ACTIONS TAKEN BY THE BOARD OF GOVERNORS
ADVISORY COUNCILS
Thrift Institutions Advisory Council.
- Convened, September 12,1997
BANK HOLDING COMPANIES
Associated Banc-Corp, Green Bay, Wisconsin -- to engage in operating a savings
association through the acquisition of First Financial Corporation and First
Financial Bank, F.S.B.; and to acquire two subsidiaries of the thrift and engage in
appraisal activities and operating a credit card bank.
- Permitted, September 8,1997
Bayerische Vereinsbank, Munich, Germany -- request for temporary exemption
under section 4(c)(9) of the Bank Holding Company Act to engage in certain
securities activities in the U.S. in connection with proposed acquisition of
Bayerische Hypotheken- und Wechsel-Bank, AG.
- Granted, September 10,1997
KeyCorp, Cleveland, Ohio -- to engage, to a limited extent, in debt and equity
securities underwriting activities and other nonbanking activities through Key
Capital Markets, Inc.
- Permitted, September 8,1997
NationsBank Corporation, Charlotte, North Carolina —to acquire all the assets and
assume all the liabilities of Montgomery Securities, San Francisco, California, and
The Pyramid Company, and engage, to a limited extent, in debt and equities
securities underwriting, and dealing in government obligations and money market
instruments.
- Permitted, September 10,1997
• Union Planters Corporation, Memphis, Tennessee -- to acquire Magna Bancorp,
Inc., Hattiesburg, Mississippi, Magnolia Federal Bank for Savings, and Magna
Mortgage Company, and engage in originating and servicing mortgage loans.
- Permitted, September 10,1997
BANK MERGERS
Citizens Commercial Bank & Trust Company, Celina, Ohio -- to acquire eleven
branches of KeyBank, N.A., Cleveland, Ohio, and to establish branches at the
former KeyBank.
- Approved, September 8,1997
REGULATIONS AND POLICIES




The Year 2000: A Challenge for Financial Institutions and Bank Supervisors —
Basle Committee on Banking Supervision describes need for financial institutions
to check all their computer applications in advance of the new millennium.
- Announced, September 9,1997

Additions/Corrections

H.2
ACTIONS TAKEN BY THE BOARD OF GOVERNORS
REGULATIONS AND POLICIES




Regulation J —amendments to provide for interstate branching and the Federal
Reserve Banks' new single account structure (Federal Register document R-0972).
- Approved, August 26,1997

H .2

September?, 1997 to September 13, 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 o f Staff Director for Management

BANK BRANCHES, DOMESTIC
Secretary
AmSouth Bank, Birmingham, Alabama —to establish a branch at 11314 Causeway
Boulevard, Brandon, Florida, and 1505 Tamiami Trail, Fort Myers, Florida.
- Approved, September 8,1997
St. Louis
BankTennessee, Collierville, Tennessee —to establish a branch at 315 Cleveland
Street, Ripley, Tennessee.
- Approved, September 12,1997
St. Louis
Belgrade State Bank, Potosi, Missouri —to move its main office to Belgrade, and to
redesignate the present main office as a branch.
- Approved, September 9,1997
Atlanta
Colonial Bank, Montgomery, Alabama —to establish a branch on the northside of
Highway 82/McFarland Boulevard, 100 Towncenter Boulevard, Tuscaloosa,
Alabama.
- Approved, September 8,1997
Atlanta
Colonial Bank, Montgomery, Alabama —to establish a branch at 4336 U.S.
Highway 231, Wetumpka, Alabama.
- Approved, September 12,1997
Minneapolis
First Interstate Bank, Billings, Montana —to establish a branch in Helena, Montana.
- Approved, September 8,1997
Richmond
Pee Dee State Bank, Timmonsville, South Carolina —to establish a branch at 760
West Liberty Street, Sumter, South Carolina.
- Approved, September 9,1997




H.2
September 7,1997 to September 13, 1997

Page 2

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Minneapolis
Rocky Mountain Bank, Billings, Montana —to establish branches in Big Fork and
Stevensville, Montana.
- Approved, September 12,1997
BANK HOLDING COMPANIES
Cleveland
Banc One Corporation, Columbus, Ohio —to acquire Fitzgerald, Davis &
Associates, LP, Chicago, Illinois.
- Permitted, September 12,1997
Minneapolis
Bloomer Bancshares, Inc., Bloomer, Wisconsin -- to acquire Peoples State Bank.
- Approved, September 11,1997
Dallas
Buffalo Bancorp, Inc., Buffalo, Texas -- to acquire Buffalo Corporation, Dover,
Delaware, and Citizens State Bank, Buffalo, Texas.
- Approved, September 11,1997
Director, BS&R
Commerzbank AG, Frankfurt am Main, Federal Republic of Germany —request for
exceptions to a commitment in connection with a notice to engage in futures
commission merchant activities.
- Granted, September 12,1997
Cleveland
Community Holding Company, Inez, Kentucky —to acquire Inez Deposit Bank,
F.S.B.
- Permitted, September 12,1997
Minneapolis
Dean Financial Services, Inc., St. Paul, Minnesota —to acquire The First National
Corporation of Aitkin, Inc., Aitkin; Mid-Continent Financial Services, Inc.,
Bloomington; and The First State Bank of Eden Prairie, Eden Prairie, Minnesota.
- Approved, September 9,1997




H.2
September 7, 1997 to September 13, 1997

Page 3

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Kansas City
Emprise Financial Corporation, Wichita, Kansas —to acquire up to 9.9 percent of
Mid Continent Bancshares, Inc., El Dorado, Kansas, and therefore own more than 5
percent of the shares of a savings association.
- Permitted, September 9,1997
Boston
FSB Bancorp, Farmington, Maine, and MHC Bancorp -- to acquire Franklin Savings
Bank.
- Approved, September 12, 1997
Director, BS&R
HSBC Holdings pic, HSBC Finance (Netherlands) Limited, and HSBC Holdings
NV —request for authority to effect a corporate reorganization of various
nonbanking subsidiaries of HSBC, including the section 20 subsidiary, HSBC
Securities, Inc.
- Granted, September 12,1997
Dallas
J. M. Nichols, Inc., Dover, Delaware -- to acquire First-Nichols National Bank of
Kenedy, Kenedy, Texas.
- Approved, September 9,1997
Dallas
Keene Bancorp, Inc., 401(K) Employee Stock Ownership Plan & Trust, Keene,
Texas —to acquire Keene Bancorp Inc., and Keene State Bank of Keene.
- Approved, September 8,1997
Atlanta
MC Bancshares, Inc, Morgan City, Louisiana —request for waiver of application to
acquire Guaranty Bancshares Holding Corporation.
- Granted, September 12,1997
Secretary
National City Corporation, Cleveland, Ohio, and National Processing, Inc.
Louisville, Kentucky, -- to acquire FA Holdings, Inc., also of Louisville, and engage
in the processing of credit card and debt card receipts for merchants.
- Permitted, September 11,1997




H.2
September?, 1997 to September 13,1997

Page 4

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Kansas City
NB Holdings Corporation, Wichita, Kansas -- termination of registration under
Regulation G.
- Approved, September 10,1997
Dallas
New Broadway, Inc., San Antonio, Texas -- to acquire Broadway Bancshares, Inc.,
San Antonio, Texas; Broadway Bancshares of Delaware, Inc., Wilmington,
Delaware; Broadway National Bank, San Antonio, Texas, and Eisenhower National
Bank, San Antonio, Texas.
- Approved, September 9,1997
Dallas
Nichols Bancshares, Inc., Kenedy, Texas -- to acquire J.M. Nichols, Inc., Dover,
Delaware, and First Nichols National Bank of Kenedy, Kenedy, Texas.
- Approved, September 9,1997
Minneapolis
Preferred Bancshares, Inc., Big Lake, Minnesota -- to engage in mortgage banking
activities through acquisition of shares of Preferred Lenders, LLC.
- Permitted, September 10,1997
Kansas City
Seafield Capital Corporation, Kansas City, Missouri -- termination of registration
under Regulation G.
- Approved, September 10,1997
St. Louis
Union Planters Corporation, Memphis, Tennessee —to acquire Sho-Me Financial
Corporation, Mount Vernon, Missouri, and 1st Savings Bank, F.S.B., Mount
Vernon.
- Permitted, September 12,1997
Boston
UST Corp., Boston, Massachusetts —to acquire Firestone Financial Corp., Newton,
Massachusetts.
- Permitted, September 12,1997




H.2
September?, 1997 to September 13, 1997

Page 5

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Atlanta
Valley National Corporation, Lanett, Alabama —to acquire Valley National Bank of
Lanett, Lanett, Alabama.
- Approved, September 10,1997
BANK MERGERS
Richmond
Crestar Bank, Richmond, Virginia —to merge with American National Savings
Bank, F.S.B., Baltimore, Maryland.
- Approved, September 8,1997
Kansas City
Dewey County State Bank, Taloga, Oklahoma —to merge with Alpha Bank, N.A.,
Henessey, Oklahoma.
- Approved, September 8,1997
BANKS, NONMEMBER, AND MISCELLANEOUS INSTITUTIONS
San Francisco
Alliance Federal Credit Union, San Jose, California —deregistration pursuant to
Regulation G.
- Approved, September 12,1997
Director BS&R
Premier Trust Services, Inc., Freeport, Illinois -- registration as transfer agent.
- Withdrawn, September 8,1997
BANKS, STATE MEMBER
Director BS&R
Bank of Burlington, Burlington, Wisconsin —registration as transfer agent.
- Withdrawn, September 8,1997
CHANGE IN BANK CONTROL
San Francisco
Americorp, Ventura, California —change in bank control.
- Permitted, September 12,1997




H.2
September?, 1997 to September 13,1997

Page 6

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
San Francisco
Draper BanCorp, Draper, Utah —change in bank control.
- Permitted, September 9,1997
COMPETITIVE FACTORS REPORTS
San Francisco
Bank of Los Angeles, West Hollywood, California -- report on competitive factors
of the proposed merger with Culver National Bank, Culver City, California.
- Submitted, September 12,1997
Boston
BankBoston, N.A., Boston, Massachusetts —report on competitive factors of the
proposed merger with Bank of Boston Connecticut, Hartford, Connecticut.
- Submitted, September 12,1997
Richmond
Carolina First Bank, Greenville, South Carolina —report on competitive factors of
the proposed merger with First Federal Savings and Loan Association, Anderson,
South Carolina.
- Submitted, September 8,1997
San Francisco
Citizens Security Bank, Agana, Guam ~ report on competitive factors of the
proposed merger with C.B. Temporary Interim Bank.
- Submitted, September 12,1997
Richmond
First Bank, Troy, North Carolina ~ report on competitive factors of the proposed
purchase of the assets and assumption of the liabilities of the Lillington, North
Carolina, branch of First Union National Bank of North Carolina, Charlotte, North
Carolina.
- Submitted, September 11,1997
Dallas
First National Bank, Paducah, Texas -- report on competitive factors of the proposed
merger with Paducah Interim National Bank.
- Submitted, September 8,1997




Page 7

H .2

September 7, 1997 to September 13, 1997
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Cleveland
FMB-First Michigan Bank, Zeeland, Michigan; FMB-First Michigan Bank, Grand
Rapids, Grand Rapids; FMB-Lumberman's Bank, Muskegon; FMB-Northwestem
Bank, Boyne City; FMB-State Savings Bank, Lowell; FMB-Commercial Bank,
Greenville; FMB-Sault Bank, Sault St. Marie; FMB Security Bank, Manistee;
FMB-Community Bank, Dowagiac; FMB-Oceana Bank, Hart; FMB-Reed City,
Reed City; FMB Maynard Allen Bank, Portland; FMB-Old State Bank, Freemont;
FMB-Arcadia Bank, Kalamazoo; and FMB-Trust, Holland; Michigan —report on
competitive factors of the proposed merger with The Huntington National Bank,
Columbus, Ohio.
- Submitted, September 9,1997
New York
Members 1st Federal, Hackensack, New Jersey -- report on competitive factors of
the proposed merger with Central Bergen Federal Credit Union.
- Submitted, September 10,1997
Secretary
Mojave Desert Bank, N.A., Mojave, California —report on competitive factors of
the proposed merger with the Mojave, California, branch of Bank of America
National Trust & Savings Association, San Francisco, California.
- Submitted, September 12,1997
Kansas City
Nebraska State Bank, South Sioux City, Nebraska —report on competitive factors of
the proposed merger with The First National Bank of Wilcox, Wilcox, Nebraska.
- Submitted, September 8,1997
New York
Oritani Interim Savings Bank, Bergen, New Jersey —report on competitive factors
of the proposed merger with Oritani Savings Bank.
- Submitted, September 11,1997
Dallas
Plano Bank & Trust Company, Plano, Texas —report on competitive factors of the
proposed merger with First Bank, McKinney, Texas.
- Submitted, September 8,1997




H.2
September?, 1997 to September 13,1997

Page 8

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Philadelphia
Quakertown National Bank, Quakertown, Pennsylvania —report on competitive
factors of the proposed purchase of the assets and assumption of the liabilities of the
Quakertown branch of First Lehigh Bank, Walnutport, Pennsylvania.
- Submitted, September 12,1997
Minneapolis
Security State Bank, Dunseith, North Dakota —report on competitive factors of the
proposed purchase of assets and assumption of liabilities of the Rolla branch of
Ramsey Bank, fsb, Cando, North Dakota.
- Submitted, September 10, 1997
CURRENCY
Director RBOPS
Federal Reserve notes -- letter confirming request for printing notes for fiscal year
ending September 30, 1998.
- Approved, September 12,1997
EXTENSIONS OF TIME
Richmond
Central Virginia Bank, Powhatan, Virginia —extension to March 19,1997, to
establish a branch at 1368 Anderson Highway, Cumberland County, Virginia.
- Granted, September 8,1997
Chicago
InvestorsBancorp, Inc., Pewaukee, Wisconsin -- extension to December 4,1997, to
acquire InvestorsBank.
- Granted, September 8,1997
Director, BS&R
Istituto Mobiliare Italiana, S.p.A., Rome, Italy —request by three Italian banking
organizations to extend for an additional two years die temporary exemptions under
section 4(c)(9) of the Bank Holding Company Act.
- Granted, September 12,1997
Cleveland
Ohio Bank, Findlay, Ohio —extension to September 14,1998, to establish a branch
at Fishinger Boulevard and Mill Run Drive, Columbus, Ohio.
- Granted, September 12,1997




H.2
September 7,1997 to September 13,1997

Page 9

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Chicago
Schonath Family Partnership, Limited Partnership, Oconomowoc, Wisconsin —
extension to December 4,1997, to acquire InvestorsBank, Pewaukee, Wisconsin.
- Granted, September 8,1997
MEMBERSHIP
Secretary
Compass Bank, Houston, Texas -- to become a member of the Federal Reserve
System.
- Approved, September 12,1997
Minneapolis
F & M Bank-Landmark, Clear Lake, Wisconsin —to become a member of the
Federal Reserve System.
- Approved, September 11,1997




FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

Application

Application

SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER .
NOTICE QNhY
Comment Period Ending Date
NONE
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
Comment Period Ending Date

Iron Bancshares, Inc.,
Salisbury, Connecticut to become a bank holding
company by acquiring 100%
of the voting shares of The
National Iron Bank,
Salisbury, Connecticut*

SIS Bancorp, Inc.,
Springfield, Massachusetts section 3(a)(3) notification
to acquire Glastonbury Bank
and Trust Company,
Glastonbury, Connecticut*

Application

Newspaper

10-05-97

Federal Register

10-02-97

Newspaper

Not Yet Established

Federal Register

Not Yet Established

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

Application
NONE
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Institution




Examination Date
NONE

Rating**

SECTION V I - APPLICATIONS BULLETIN

Effective April 21, 1997, information regarding the comment periods associated with
applications and notices submitted to the Federal Reserve Bank of Boston for
processing under section 3 and 4(c) (8) of the Bank Holding Company Act of 1956, as
amended, will be available 24 hours a day by calling the following
toll-free number 1-800-896-9480.
♦Subject to CRA.
♦♦Rating Definitions:
"O" - Outstanding; "S" - Satisfactory;
Improve; "SN" - Substantial Noncompliance




"N" - Needs to

FEDERAL RESERVE BANK OF NEW YORK
Comment Period
Ending Date
SECTION I
Applications Subject to Newspaper
_____ Notice Only_____
None.
SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
National Bank of Canada, Montreal, Canada, and NatBC Holding
Corporation, to become bank holding companies by acquiring 100
percent of the voting shares of Natbank N.A, Hollywood, Florida, and
thereby indirectly acquiring Natbank N.A., the proposed national bank
successor to Natbank, F.S.B.
SECTION III
Nonbanking Applications
(subject to Federal Register Notice Only 1
None.
SECTION IV
Applications Not Involying
Public Comment
None.
SECTION V
Availability of CRA Public Evaluations
In connection with the assessment of each insured depository institution's
CRA performance, a rating is assigned from the following group:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and
is a leader in, ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated
community, including low- and moderate- income neighborhoods,
in a manner consistent with its resources and capabilities.




10/05/97 2/

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 September 13.1997
NAME OF BANK

RATING

None

1/ Subject to provisions of Community Reinvestment Act.
2/ Later of dates specified in newspaper and Federal Register notices.
3/ 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




EXAMINATION DATE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER
NOTICE ONLY
Sterling Bank. Mount Laurel, NJ, to establish a branch in Mount Laurel Township, Burlington
NJ, pursuant to Section 9 of the Federal Reserve Act.
Newspaper comment period expires: N/Avail
SECTION II - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEWSPAPER
AND FEDERAL REGISTER NOTICE
NONE
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 September 12, 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/Lpcatipn

Examination Date

CRA Rating

NONE

NONE

NONE




District
Federal Reserve Bank of Cleveland
A pplications and notifications filed during the w eek ending 9/13/97

S ection 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 only

Type

A p p lic a tio n

18C

E ndin g d a te o f
com m en t p e r io d

C itizen s B ankin g C om pany, S alin eville, O H to acqu ire
th ree (3) bran ch offices o f The M etro p o lita n S avin gs Bank
o f Ohio, Youngstown, O H lo c a te d in B arnesville, M artin s
F erry, a n d St. C la irsville, OH.

5D3
Branch

*N ot Y et K now n

Footnotes

S ection 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

A p p lic a tio n

3 A3

N o tice b y F.N.B. C orporation , H erm itage, PA on S eptem ber
10, 1997, to acq u ire M ercan tile B ank o f S ou th w est F lorida,
N aples, FL

E ndin g d a te o f
com m en t p e r io d

*N: 10/13/97

Footnotes

S ection I I I -■ 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
A
Type

A p p lic a tio n

E ndin g d a te o f
com m ent p e r io d

NONE

Footnotes

S ection IV - A p p lica tio n s n o t su 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

A p p lic a tio n

4C8

B an c O ne C orporation , Colum bus, OH; K eyC orp, C leveland,
OH ; N a tio n a l C ity C orporation , C levelan d, OH, a n d P N C
B an k C orp., P ittsbu rgh, PA to en gage in A T M a n d P O S
a c tiv itie s on a w o rld -w id e b a sis through E lectro n ic P aym ent
S ervices, Inc.




E ndin g d a te o f
com m en t p e r io d

N one

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

E nding d a te o f
com m ent p e r io d

A p p lic a tio n

Footnotes

S ectio n V - A v a ila b ility o f C R A p u b lic ev a lu a tio n s
D e sc rip tio n o f the CRA G o a l a g a in st w hich institutions a re eva lu a ted ' the fo u r p erfo rm a n ce levels , a n d the
in stitu tio n s f o r w hich an evalu ation is p u b lic ly 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 following 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 lian ce

R SS D
n u m ber

In stitu tio n / L ocation

E xam ination
d a te

CRA
p u b lic d a te

CRA
ra tin g

576710

The O hio B ank
2 3 6 M ain S tre et
F indlay, O H 4 5 8 4 0

6/02/97

9/8/97

Satisfactory

368522

A p o llo Trust C o m p a n y
2 0 1 N orth W arren A ven u e
A p o llo , PA 1 5 613

6/30/97

9/9/97

Satisfactory

Footnotes




Section VI - CRA examinations scheduled for Fourth Quarter of 1997
In stitu tion

L ocation

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. Valley Street, Coming, OH 43730-0428

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

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 hio

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 an 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 itiz e n 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




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

Comment Period Ending Date

Centura Bank, Rocky Mount, North
Carolina, to establish a branch
in the Hannaford Brothers Store
at 760 Sutters Creek Boulevard,
Rocky Mount, North Carolina.*

10-6-97

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

Comment Period Ending Date

Coddle Creek Financial Corp., Mooresville, North Carolina, to become a bank
holding company through the acquisition
of 100% of the voting shares of Mooresville Savings Bank, SSB, Mooresville,
North Carolina.*
One Valley Bancorp, Inc., Charleston,
West Virginia, to acquire One Valley
Bank-Central Virginia, National Association,
Lynchburg, Virginia (the proposed successor
by conversion to One Valley Bank-Central
Virginia, a Federal savings bank).*

10-10-97

Not yet available.

Section III - Applications Subjectto Federal Register Notice
Application

Comment Period Ending Date

None.

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

♦Application is subject to CRA requirements.




Federal Reserve Bank of Richmond
Section V - Availability o f C R A Public Evaluations
Week ending September 12,

1997

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

RSSD
Number
None.




Name of Bank

Examination
Date

Rating

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 12. 1997
Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

None.

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

Comment Period Ending Date

Eagle National Holding Company, Inc.
Not yet available*
Miami, Florida
Change in control by Mr. Jaime Gilinski to acquire 100 percent of the outstanding shares of common
stock of Eagle National Holding Company, Inc., Miami, Florida, pursuant to Change in Bank
Control Act of 1978.
First Bankshares, Inc.
09-30-97*
Longwood, Florida
Federal Register
Change in control notice by Ms. Susma Patel and Messrs. Suketu (Suku) Madhusudan Patel, Parimal
(Perry) Kantibhai Patel, Bharat Muljibhai Amin, Dennis John Lloyd King, and Sushilaban Patel,
to collectively acquire 43.06 percent of the outstanding shares of First Bankshares, Inc., Longwood,
Florida, pursuant to the Change in Bank Control Act of 1978.
MidSouth Bancorp, Inc.
09-30-97*
Employee Stock Ownership Plan
Federal Register
Lafayette, Louisiana
After-the-fact change in control by MidSouth Bancorp, Inc., Employee Stock Ownership Plan,
Lafayette, Louisiana, to retain 10.57 percent of the outstanding shares of MidSouth Bancorp, Inc.,
Lafayette, Louisiana, pursuant to the Change in Bank Control Act of 1978.

Section 3 - Applications Subject to Federal Register Only
Application
None.

*Subject to provisions of the Community Reinvestment Act.




Comment Period Ending Date

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 12.1997

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
None.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 12. 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

First Bank and Trust
Satisfactory
Company of Tennessee
Post Office Box 3080
Johnson City, Tennessee 37602
(423) 975-9900




Examination Date
06-02-97

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 12. 1997
Recently Approved Applications

Approval Date

AmSouth Bank
09-08-97
Birmingham, Alabama
To establish a branch located at 11314 Causeway Boulevard, Brandon, Florida, pursuant to Section
9 of the Federal Reserve Act.
AmSouth Bank
09-08-97
Birmingham, Alabama
To establish a branch located at 15051 Tamiami Trail, Fort Myers, Florida, pursuant to Section 9 of
the Federal Reserve Act.
Colonial Bank
09-08-97
(Revised)
Montgomery, Alabama
To establish a branch located at 2941 North Poinciana Boulevard, Kissimmee, Florida, pursuant to
Section 9 of the Federal Reserve Act.
Colonial Bank
09-12-97
Montgomery, Alabama
To establish a branch located at 4336 US Highway 231, Wetumpka, Alabama, pursuant to Section
9 of the Federal Reserve Act.
Colonial Bank
09-08-97
Montgomery, Alabama
To establish a branch located on the north side of Highway 82/McFarland Boulevard, 100 Town
Center Boulevard, Tuscaloosa, Alabama, pursuant to Section 9 of the Federal Reserve ActValley National Corporation
09-10-97
Lanett, Alabama
1-BHC formation, Valley National Bank of Lanett, Lanett, Alabama, pursuant to Section 3(a)(1) of
the Bank Holding Company Act.
MC Bancshares, Inc.
09-12-97
Morgan City, Louisiana
Request for waiver of the application requirements of Section 3 of the Bank Holding Company Act,
in connection with its proposed acquisition of Guaranty Bancshares Holding Corporation, Morgan
City, Louisiana, and Guaranty Bank and Trust Company of Morgan City, Morgan City, Louisiana.
Compass Bank
09-12-97
Houston, Texas
To become a member of the Federal Reserve System, pursuant to Section 9 of the Federal Reserve
Act and Section 208.4 of Regulation Y.




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

Type

Application

Merger & Branch

First Farmers Bank & Trust Company
Converse, Indiana
Sheridan, Indiana branch office of
NBD Bank, N.A.
to establish a branch at
322 South Main Street
Sheridan, Indiana

NP - **

Merger & Branch

F&M Bank-Portage County
Stevens Point, Wisconsin
Antigo branch of Security Bank, S.S.B.
Antigo, Wisconsin
to establish a branch at 724 Fifth Avenue
Antigo, Wisconsin

NP - 9-8-97

Branch

Valley Ridge Bank
Kent City, Michigan
47 S. Charles Street
White Cloud, Michigan

NP - 9-13-97

Branch

Citizens Bank and Trust Company
Hudson, Iowa
209 West Fifth Street
Waterloo, Iowa

NP - 9-13-97

Branch

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

NP -10-1-97

Branch

Bloomingdale Bank and Trust
Bloomingdale, Illinois
Northeast comer of Touhy and
Clifton Avenue
Park Ridge, Illinois

NP - 9-3-97




Federal Reserve Bank of Chicago
Section I - Applications Subject to Newspaper
Notice Only cont’d

Type

Application

Branch

Bloomindale Bank and Trust
Bloomingdale, Illinois
Southeast comer of Arlington Heights Road
and Pierce Road
Itasca, Illinois

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




Comment Period
Ending Date
NP - 9-8-97

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

Type

Application

CoC-HC

Damen Financial Corporation
Schaumburg, Illinois
By Jackson Boulevard Fund, Ltd. and
Paul J. Duggan

FR - 9-3-97
NP - 9-1-97

CoC-HC

First Business Bancshares, Inc.
Madison, Wisconsin
By Sam Jacobsen

FR - 8-28-97
NP - 9-7-97

3(a)(1)

Heartland Bancshares, Inc.*
Franklin, Indiana
Heartland Community Bank (in organization)
Franklin, Indiana

FR - 9-12-97
NP - 9-8-97

3(a)(3)

Centre 1 Bancorp, Inc.*
Beloit, Wisconsin
First Winnebago Corporation
Winnebago, Illinois
First National Bank of Winnebago
Winnebago, Illinois

FR - 9-26-97
NP - 9-21-97

3(a)(3)

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

FR - 9-12-97
NP - 7-27-97

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)(1)

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

FR - 10-9-97
Np - **




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

Type

Application

3(a)(3)

First State Bancorp of Monticello, Inc.
Employee Stock Ownership Plan*
Monticello, Illinois
First State Bancorp of Monticello, Inc.
Monticello, Illinois
First State Bank of Monticello
Monticello, Illinois
State Bank of Hammond
Hammond, Illinois
First State Bank of Bloomington
Bloomington, Illinois
First State Bank of Heyworth
Heyworth, Illinois
First State Bank of Atwood
Atwood, Illinois

FR - 9-12-97
NP - 9-12-97

3(a)(1)

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

FR - 10-6-97

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
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 - **




Np _ **

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

Type

Application

Comment Period
Ending Date

NONE

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

Application

ROS

Tabor Enterprises, Inc.
Tabor, Iowa
To redeem 5,200 shares or 52% of the common 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 September 12, 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 capabilies.




BANK NAME/LOCATION

EXAMINATION DATE

RATINGS

Security Savings Bank
1015 Market Street
Gowrie, Iowa 50543
(515) 544-3281
RSSD #616540

6-2-97

S

Fortress Bank of Westby
100 North Main Street
Westby, Wisconsin 54667
(608) 634-3787
RSSD #297042

6-23-97

0

R E S E R V E B A N K A P P L IC A T IO N S B U L L E T IN

For week ending September 12, 1997

FEDERAL RESERVE BANK OF ST. LOUIS
SECTION T - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application

End of Comment Period

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

End of Comment Period

Change in control notification involving Sebastian
Bankshares, Inc., Barling, Arkansas, by James H.
Shields, III, Wimbledon, England.

Federal Register 9-24-97

Change in control notification involving Texico
Bancshares Corporation, Texico, Illinois, by Craig D.
Heath, Phoenix, Arizona.

Federal Register 10-1-97

* Section 3(a)(3) notification by First United Bancshares,
Inc., El Dorado, Arkansas, to acquire City Bank & Trust
of Shreveport, Louisiana, Shreveport, Louisiana.

federal Register. 10-9-97

* Section 3(a)(3) notification by First Banks, Inc., St.
Louis, Missouri, to acquire Surety Bank, Vallejo,
California.

Newspaper: 10-15-97

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application

End of Comment Period

None.

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

End of Comment Period

Stock redemption notification by Texico Bancshares
Corporation, Texico, Illinois, to redeem common stock
for a net consideration representing 81 % of its equity.

N/A

* This notification is subject to CRA.



R E S E R V E B A N K A P P L IC A T IO N S B U L L E T IN

For week ending September 12, 1997

FEDERAL RESERVE BANK OF ST. LOUIS
SECTION V - AVAILABILITY OF CRA PUBLIC DISCLOSURES
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.

Bank RSSD
Number
None




Name of Bank

Bank Address

Examination
Date

Examination
Rating

For week ending September 12, 1997

R E S E R V E B A N K A P P L IC A T IO N S B U L L E T IN

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

F E D E R A L R E S E R V E B A N K O F M IN N E A P O L IS

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

Application
Ronan State Bank, Ronan, M ontana to establish a branch in
Poison, Montana. *

September 15, 1997

Farmers State Bank, Victor, M ontana to establish a branch in
Hamilton, Montana. *

September 29, 1997

* Subject to CRA
F E D E R A L R E S E R V E B A N K O F M IN N E A P O L IS

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

Application
Norwest Corporation, Minneapolis, Minnesota; Norwest Financial
Services, Inc., Des Moines, Iowa; and Norwest Financial, Inc., Des
Moines, Iowa to engage in industrial loan and thrift company activities,
consumer finance activities, and acting as principal, agent, or broker
for credit life, accident and health, and involuntary unemployment
insurance related to its extensions o f credit through the acquisition
o f Cityside Financial Services o f Wisconsin, Inc., Cityside Savings
& Financial Services, Co., and Cityside Insurance Company, Ltd.,
headquartered in Eden Prairie, Minnesota.

Not yet available

F E D E R A L R E S E R V E B A N K O F M IN N E A P O L IS

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

Application
NONE.
F E D E R A L R E S E R V E B A N K O F M IN N E A P O L IS

Section IV - Applications N ot Subject to
Federal Register Notice or Newspaper Notice
Application
NONE.




FED ER A L R E SE R V E BANK O F M IN N EA PO LIS
Section V - Availability o f
CRA Public Evaluations
w eek ending S eptem ber 12,1997

ASSIGNMENT OF RATING
Identification o f Ratings
In connection with the assessment o f each insured depository institution's CRA performance, a rating is
assigned from the following groups:
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 o f 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 o f ascertaining and helping to meet the credit needs
o f its entire delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group needs to improve its overall record o f ascertaining and helping to meet the
credit needs o f its entire delineated community, including low- and moderate-income neighborhoods, in
a manner consistent with its resources and capabilities.
SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient record o f ascertaining and helping to meet the
credit needs o f its entire delineated community, including low-and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
BANKISl EXAMINED

DATE OF EXAMINATION

CRA RATING

W adena State Bank
304 Southeast First
Box 191
Wadena, MN 56482-0191
(218) 631-1860

June 2, 1997

Outstanding




Federal Reserve Bank of Kansas City

Week Ending September 12, 1997

SECTION 1 - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY

APPLICATION
State Bank & Trust Company of Colorado Springs,
Colorado Springs, Colorado, for prior approval to
establish a branch at 5710 Palmer Park Boulevard,
Colorado Springs, Colorado.

COMMENT PERIOD ENDING DATE
September 28, 1997

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

COMMENT PERIOD ENDING DATE

Steven L. Voorhees, Harvard, Nebraska, to retain
control of 27.69 percent of the voting shares of
Harvard State Company, Harvard, Nebraska.

September 29, 1997

First National Bank of Las Animas ESOP, Las
Animas, Colorado, for prior approval to become a
bank holding company through the acquisition of up to
8.03 percent of the voting shares of First Bankshares
of Las Animas, Las Animas, Colorado; and thereby
indirectly acquire First National Bank, Las Animas,
Colorado.*

October 6, 1997




FirstBank Holding Company of Colorado ESOP,
Lakewood, Colorado, for prior approval to acquire
.86 percent, for a total of 26.36 percent of the voting
shares of FirstBank Holding Company of Colorado,
Lakewood, Colorado; and thereby indirectly acquire
FirstBank of Arvada, N.A., Arvada, Colorado;
FirstBank of Aurora, N.A., Aurora, Colorado;
FirstBank of Avon, Avon, Colorado; FirstBank of
Boulder, N.A., Boulder, Colorado; FirstBank of
Breckenridge, N.A., Breckenridge, Colorado;
FirstBank of Douglas County, N.A., Castle Rock,
Colorado; FirstBank of Colorado Springs, Colorado
Springs, Colorado; FirstBank of Cherry Creek, N.A.,
Denver, Colorado; FirstBank of Denver, N.A.,
Denver, Colorado; FirstBank of Longmont,
Longmont, Colorado; FirstBank of Northern
Colorado, Fort Collins, Colorado; FirstBank of
Greeley, Greeley, Colorado; FirstBank of Tech
Center, N.A., Englewood, Colorado; FirstBank of
Colorado, N.A., Lakewood, Colorado; FirstBank of
South Jeffco, Littleton, Colorado; FirstBank of
Lakewood, N.A., Lakewood, Colorado; FirstBank of
Littleton, Littleton, Colorado; FirstBank of Arapahoe
County, N.A., Littleton, Colorado; First Bank of
Silverthome, N.A., Silverthorne, Colorado; FirstBank
of Vail, Vail, Colorado; FirstBank North, N.A.,
Westminster, Colorado; FirstBank of Wheat Ridge,
N.A. Wheat Ridge, Colorado; FirstBank of
Evergreen, Evergreen Colorado; and FirstBank, N.A.,
Palm Desert, California.*

October 6, 1997

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

None.

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
A P P L IC A T IO N

None.



SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:
Outstanding record of meeting community credit needs
An institution in this group has an outstanding record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs
An institution in this group has a satisfactory record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and 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.

CRA Public
Bank/Location

R S SD #

Citizens Bank & Trust
561659
Company
2000 Main Street
Torrington, Wyoming 82240-2709

♦Application is subject to CRA.




E xam D ate

06-16-97

D ate

CRA
Rating

09-12-97

Satisfactory

District 11
Federal Reserve Bank of Dallas
Applications and Notifications Filed During the Week of September 8, 1997

Section I - A pplications subject to n ew spaper notice only

Comment period
ending date

Type

Application

*Section 9

Texas Heritage Bank, Hutto, TX, to establish a branch at **97/10/07
800 South Austin Avenue, Georgetown, TX, 78626

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

Section II - A pplications subject to b o th new spaper a n d F ederal R egister notice

Type

Application

Comment period
ending date

Change in Control Judy Noe M yers, Dallas, TX, only notificant, to acquire an
Notice
interest in Rusk County Bancshares, Inc., Henderson, TX
(Previously reported during the week of September 2, 1997)

**97/09/29
*

*Section 3(a)(3)

**97/09/30

Paradigm Bancorporation, Inc., Houston, TX, and
Paradigm Delaware Bancorporation, Inc., Dover, DE, to
acquire First National Bank of Dayton, Dayton, TX

* 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 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.




Quarter of
Location

CRA
public date

CRA
rating

FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 9/12/97
Section I - Applications Subject to Newspaper Notice Only

Comment Period Ending Date

Application
Bank of Casa Grande Valley, Casa Grande, Arizona,
to establish a branch office at 325 W. Alma School
Road, Chandler, Arizona. *

Newspaper:

10/03/97

CivicBank of Commerce, Oakland, California, to
establish a branch office at 250 Cambridge Avenue,
Palo Alto, California. *

Newspaper:

10/06/97

Saehan Bancorp, Los Angeles, California, to become a
bank holding company by acquiring Saehan Bank, Los
Angeles, California. *

Newspaper:

9/15/97

Fed. Reg.:

9/19/97

Belvedere Capital Partners, Inc., San Francisco, California;

Newspaper; 9 / 3 0 / 9 7

Section II - Applications Subject to Both

Newspaper and Federal Register Notice

California Community Financial Institutions Fund Limited
Partnership, San Francisco, California; and Newco, San
Francisco, California; to each become bank holding
companies through the acquisition of 63.2 percent of
Security First Bank, Fullerton, California.*

Fed. Reg,:

9 / 2 9 / 9 7

National Bancorp of Alaska, Inc., Anchorage, Alaska, to
indirectly acquire 9.9 percent of Security First Bank,
Fullerton, California.*

Newspaper: 9/29/97
Fed. Reg.:

9/29/97

United Security Bancorporation, Spokane, Washington,
to merge with Community BanCorporation, which owns
Bank of Pullman, both of Pullman, Washington. *

Newspaper:

9/29/97

Fed. Reg.:

Section III -Applications Subject to Federal Register Only
None

* Subject to CRA.



9/29/97

FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 9/12/97
Section IV - Applications Not Subject to Federal Register Notice
or Newspaper Notice
BYL Bancorp to become a bank holding company by acquiring Bank of Yorba Linda, both of
Yorba Linda, California.
Commerce Security Bancorp, Inc., Huntington Beach, California, to be paid a dividend of
$800,000, by Eldorado Bank, Tustin, California.
Valley Independent Bank, El Centro, California, to become a member of the Federal Reserve System.

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

Location

Examination Date

Rating*

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
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 as of September 12,1997
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 or notificant

Acquiree or activity

1867 Western Financial
Corporation^),
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. (bX4);
providing credit life
insurance (bXl 1);
management consulting
(bX9); CONTINUED

1867 Western Financial
Corporation(2),
Stockton, CA
CONTINUED

& investment & financial
advice (bX6)

1867 Western Financial
Corporation, Stockton,
CA

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




Section of law
4

Reserve Bank

End of comment period

San Francisco

August 26,1997

4

San Francisco

August 26, 1997

3

San Francisco

September 2,1997

A p i a torn t f c n
plcn
oiiat

Acquireeo a t v t
r ciiy

ALBANK, FSB
Incentive Savings and
Employee Stock
Ownership Plan,
Albany, NY

ALBANK Financial
Corporation, Albany, NY,
& ALBANK Commercial,
Albany, NY, & ALBANK,
FSB, Albany, NY

CIBC

New York

September 10,1997

Albrecht Financial
Services, Inc., Norwalk,
IA

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

3

Chicago

October 9,1997

ANB Corporation,
Terrell, TX

Lakeside Bancshares, Inc.,
Rockwall, TX & Lakeside
National Bank, Rockwall,
TX

3

Dallas

August 25,1997

Anderson Financial
Group, Inc., Golden
Valley, MN

Northern National Bank,
Nisswa, MN

3

Minneapolis

September 18,1997

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

BBV Latlnvest Securities
Inc.,
New York, NY,
securities activities (bXl),
(bX4),(bX15),and(bX16)

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 (bX3),
(bX4),and(bX7)

3 and 4

New York

March 14,1997

Banterra Corp,
Eldorado, IL

1st Bancorp Vienna, Inc.,
Vienna,
IL, First State Bank of
Vienna, Vienna, IL

3

St. Louis

July 18,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a to n t f e n
p l c n r oitat

Acquireeo a t v t
r ciiy

S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

September 3, 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

September 3,1997

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, (bX7)
Card Alert Services, Inc.
Arlington, VA
providing debit card
securities services Q>)(1)

4

Richmond

March 27, 1997

Bloomer Bancshares,
Inc., Bloomer, WI

Peoples State Bank,
Bloomer, WI

3

Minneapolis

September 5,1997

Cabot Bankshares, Inc.,
Cabot, AR

The Capital Bank, Cabot,
AR

3

St. Louis

July 11, 1997

Cabot Bankshares, Inc.,
Cabot, AR

The Capital Bank, Little
Rock, AR

3

St. Louis

August 11, 1997

Cabot Bankshares, Inc.,
Cabot, AR
CORRECTION

The Capital Bank, Little
Rock, AR

3

St. Louis

July 11,1997




A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

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 (bX8)

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

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

Acquireeora t v t
ciiy

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

dealing to a limited extent
in all types of equity & debt
securities; lending (bXl),
(bX2); financial &
investment advisory
services (bX6); securities
brokerage, riskless
principal, private
placement, futures
commission merchant &
other
CONTINUED

4

New York

August 28,1997

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

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




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

Acquireeo a t v t
r ciiy

Citizens National Bank
ofWaxahachie
Employee Stock
Ownership Plan,
Waxahachie, TX

First Citizens Bancshares,
Inc. Waxahachie, TX &
Citizens National Bank,
Waxahachie, TX

CIBC

Dallas

September 3,1997

Commercial
Bancshares, Inc.,
Texarkana, AR

Citizens State
Bank, Hempstead, TX

3

St. Louis

July 29,1997

Community Financial
Corp., Olney, IL

MidAmerica Bank of St.
Clair County, O’Fallon, IL

3

St. Louis

September 12,1997

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

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

Crestar Financial
Corporation, Richmond,
VA

American Naf I Bancorp,
Inc., & American Nafl
Savings Bank, F.S.B.,
Baltimore, MD acting as
agent in the sale of mutual
funds (bX7); in the sale of
home mortgage redemption
insurance (bXl 1X0; and in
the sale of annuities
(bXHXvii)

4

Richmond

August 15,1997

Cross County Bank
Employee Stock
Ownership Plan,
Wynne, AR

Cross County Bancshares,
Inc., Wynne, AR, and
Cross County Bank,
Wynne, AR

CIBC

St. Louis

August 4,1997




S c i no law . e e v Bank
eto f
Rsre

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

Deutsche Bank, AG
(Main)
Federal Republic of
Germany

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

4

New York

May 12,1997

Estrin Associates,
L.L.C. and Estrin
Family Limited
Partnership, Bethesda,
MD

Estrin Associates, L.L.C. &
Estrin Family Limited
Partnership T l, Bethesda,
MD

CIBC

Richmond

July 15, 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

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 Financial
Bankshares, Inc.,
Abilene, TX

Southlake Bancshares, Inc.,
Southlake, TX & Texas
National Bank, Southlake,
TX

3

Dallas

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




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

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 Bancorp of
Monticello, Inc.,
Employee Stock
Ownership Plan(l),
Monticello, IL
CONTINUED

First State Bancorp of
Monticello, Inc.,
Monticello, IL & State
Bank of Hammond,
Hammond, IL; First State
Bank of Monticello,
Monticello, IL; First State
Bank of Bloomington,
Bloomington, IL; First State
Bank of Heyworth,
Heyworth, IL
CONTINUED

3

Chicago

September 12,1997

First State Bancorp of
Monticello, Inc.,
Employee Stock
Ownership Plan(2),
Monticello, IL
CONTINUED

& First State Bank of
Atwood, Atwood, IL

3

Chicago

September 12,1997

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 1),
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 (b)(1);
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 torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

First Union
Corporation^),
Charlotte, NC
CONTINUED

and other nonbanking
activities (bXl 1X*V 0>X5)
);
(b)(7), (b)(8), (bX6)

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

FirstBank Holding
Company of Colorado,
Lakewood, CO

FirstBank of Parker, Parker,
CO

3

Kansas City

September 19,1997

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

Gideon Bancshares
Company,
Dexter, MO

First Midwest Bank of
Chaffee,
Chaffee, MO

3

St. Louis

June 20,1997

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

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




S c i noflaw ReserveBank
eto

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

Greer, Elmo,
East Bemstadt, KY

Cumberland Valley
Financial Company,
London, KY

CIBC

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, IA, acting in
concert

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

CIBC

Chicago

August 29, 1997

Harbor, Lacy J.,
Denison, TX

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

CIBC

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
(bXH)

4

St. Louis

August 26,1997

Heartland Bancshares,
Inc., Franklin, IN

Heartland Community
Bank, Franklin, IN

3

Chicago

September 12,1997

Heath, Craig Dwight,
Phoenix, AZ

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

CIBC

St. Louis

October 1, 1997

Hibernia Corporation,
New Orleans, LA

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

3

Atlanta

August 11, 1997

Industrial Bank of
Japan, Ltd.,
Tokyo, Japan

Aubrey G. Lanston & Co.,
Inc.,
New York, NY, securities
activities (bX7); data
processing (bX14);
financial & investment
activities (b)(6); and
underwriting (b)($)

4

New York

May 12, 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

International
Bancorporation, Golden
Valley, MN

Northern National Bank,
Nisswa, MN

3

Minneapolis

September 18,1997

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,
WI

CIBC

Chicago

August 28,1997

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

Keystone Financial,
Inc., Harrisburg, PA

MMC & P, Inc., Pittsburgh,
PA employee benfits
consulting services (bX9)

4

Philadelphia

July 29,1997

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




S c i no law . e e v Bank
eto f
Rsre

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

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

Landmark Bancorp,
Inc., Margate, FL

Sunniland Bank, Fort
Lauderdale, FL

3

Atlanta

September 19, 1997

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 (bX4)

3 and 4

Kansas City

August 4, 1997

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

LAI Holdings Inc.,
Investment Advisers, Inc.,
Minneapolis, MN, trust
services (b)(3); investment
advisory services (bX4);
full-service brokerage
(b)(15); foreign exchange
execution & advisory
services, and other advisory
& administrative services

4

New York

March 26,1997




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

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

Maries County Bancorp,
Inc., Vienna, MO

Progress Bancshares, Inc.,
Sullivan, MO, and Progress
Bank of Sullivan, Sullivan,
MO, a de novo bank

3

St. Louis

August 15, 1997

Mercantile Bank
Corporation, Grand
Rapids, MI

Mercantile Bank of West
Michigan, Grand Rapids, MI

3

Chicago

October 9, 1997

Metcalf, Imogene and
Butler, Charles W., both
of Hooker, OK

Hooker National
Bancshares, Inc., Hooker,
OK, & First National Bank,
Hooker, OK

CIBC

Kansas City

September 10,1997

Middleburg Bancorp,
Inc., Middleburg, KY

Lincoln Federal Savings
Bank, Liberty, KY in the
operation of a federal
savings bank (b)(4)

4

St. Louis

July 24,1997

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

Lee National Banc Corp.,
Lee, MA, 8c First National
Bank of the Berkshires,
Lee, MA & City Savings
Bank of Pittsfield,
Pittsfield, MA

3

Boston

September 19,1997




S c i noflaw Reserve Bank
eto

End ofcomment p r o
eid

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

Acquireeora t v t
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

Bridgeport Bancorp, Inc.,
Bridgeport, IL, and First
National Bank of
Bridgeport, Bridgeport, IL

3

St. Louis

June 6,1997

National City
Bancshares, Inc.,
Evansville, IN

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

3

St. Louis

October 3,1997

New Amboy, Inc., Old
Bridge, NJ

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

3

New York

September 26,1997

North Fork
Bancorporation, Inc.,
Melville, NY

Branford Savings Bank,
Branford, CT

3

New York

September 18,1997

Northside Banking
Corporation, Tampa, FL

Northside Bank of Tampa,
Tampa, FL

3

Atlanta

August 29, 1997

Norwest Corporation,
Minneapolis, MN

Int’l Bancorp, Golden
Valley, MN & Northern
Nafl Bank, Int'l Falls, MN;
City Nafl Bank of Cloquet,
Cloquet, MN & Northern
Nafl Bank, Nisswa, MN &
Norwest Investment
Services, Inc., Minneapolis,
MN securities &
underwriting activites (bX7)
&(bX«)

3 and 4

Minneapolis

September 12,1997




S c i no law . e e v Bank
eto f
Rsre

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

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

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

3

Chicago

August 15,1997

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

Patel, Sushilaban,
London, England, acting
in concert
CORRECTION

First Bankshares, Inc.,
Longwood, FL & First
National Bank of Central
Florida, Longwood, FL
CORRECTION

CIBC

Atlanta

September 30, 1997

Patel, Susma; Patel,
Suketu Madhusudan
(Suku); Patel, Parimal
Kantibhai (Perry);
Amin, Bharat Muljibhai,
London, England; and
King, Dennis John
Lloyd, Surrey, England;
collectively, as the Patel
Group

First Bankshares, Inc.,
Longwood, FL, and First
National Bank of Central
Florida, Longwood, FL

CIBC

Atlanta

June 26, 1997




S c i no law J e e v Bank
eto f
Rsre

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Patel, Susma;Patel
(Suku), Suketu
Madhusudan; Patel
(Perry), Parimal
Kantibhai; Amin, Bharat
Muljibhai, London,
England; and King,
Dennis John Lloyd,
Surrey, England;
collectively, as the Patel
Group

First Bankshares, Inc.,
Longwood, FL, and
First National Bank of
Central Florida, Longwood,
FI

CIBC

Atlanta

May 30,1997

Peoples Bancorp, Inc.,
Marietta, OH

Gateway Bancorp, Inc.,
Catlettsburg, KY, and
Catlettsburg Federal
Savings Bank, Catlettsburg,
KY operating a savings
association (b)(4)(H)

4

Cleveland

August 1, 1997

Peoples Bank
Employee Stock
Ownership Trust,
Marion, KY

Peoples-Marion Bancorp,
Inc.,
Marion, KY

3

St. Louis

June 12, 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

Peoples-Marion
Bancorp, Inc.,
Marion, KY

The Peoples Bank,
Marion, KY

3

St. Louis

June 12, 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




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

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

Premier Financial
Bancorp, Inc.,
Georgetown,
KY

The Sabina Bank, Sabina,
OH

3

Cleveland

August 21, 1997

Prestige Financial Corp.,
Flemington, NJ

PSC Financial Services,
Inc., Flemington, NJ
securities brokerage
activities (bX7(i)

4

New York

September 16,1997

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




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

Regions Financial
Corporation,
Birmingham, AL

Griffin Federal Savings
Bank, Griffin, GA operating
a savings association (bX4)

4

Atlanta

September 15,1997

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

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

Rockdale National
Bankshares, Inc.,
Conyers, GA

Rockdale National Bank,
Conyers, GA

3

Atlanta

August 22,1997

Rossenberg, Clifford R.,
Sunset Beach, CA

Security First Bank,
Fullerton, CA

CIBC

San Francisco

May 27,1997

Saehan Bancorp, Los
Angeles, CA

Saehan Bank, Los Angeles,
CA

3

San Francisco

September 19,1997

Santander Holding
Intemacional, S.A., and
Santusa Holding, S.L.,
both of Madrid, Spain

Banco Santander Puerto
Rico, San Juan, Puerto
Rico. Santander Holding
Invemacional, S.A.,
Santusa Holding, S.L., &
Banco Santander Puerto
Rico all currently are
subsidiaries of Banco
Santander, S.A., Madrid,
Spain

3

New York

September 10,1997

Shields, James Homer,
III, London, England

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

CIBC

St. Louis

September 24,1997




S c i no law . e e v Bank
eto f
Rsre

End ofcomment p r o
eid

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

Acquireeora t v t
ciiy

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

AmeriBancShares, Inc.,
Wichita Falls, TX&
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

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

CIBC

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

CIBC

Kansas City

August 5,1997

Suez Lyonnaise des
Euax, Paris, France;
Societe Generale de
Belgique, Brussels,
Belguim; and Generale
de Banque, Brussels,
Belguim

Harbor Capital
Management, Inc., Boston,
MA investment advisory
activities (b)(6); investment
transactions as principal
(b)(8); & serve as general
partner of & provide
management & private
placement services to
unregistered investment
funds

4

New York

August 21, 1997




S c i no law . e e v Bank
eto f
Rsre

End o comment p r o
f
eid

Applicant or notificant

Acquiree or activity

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 Bank of Mulberry
Employee Stock
Ownership
Trust,
Mulberry, AR

ACME Holding
Company, Inc.,
Mulberry, AR, and
The Bank of Mulberry,
Mulberry, AR

3

St. Louis

June 23,1997

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 Chase Manhattan
Corporation and Chase
Holding
Delaware Inc., New
York, NY

Chase Trust Company,
National Association, Los
Angeles, CA

3

New York

August 18, 1997

The Marine BancCorp,
Inc., Chincoteague, VA

The Marine Bank,
Chincoteague, VA

3

Richmond

October 6, 1997

Triangle Bancorp, Inc.,
Raleigh, NC

Bank of Mecklenburg,
Charlotte, NC

3

Richmond

August 1, 1997

Union Bancshares, Inc.,
Fargo, ND

Union State Bank of Fargo,
Fargo, NET

3

Minneapolis

September 15,1997

Union Planters
Corporation, Memphis,
TN

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

3

St. Louis

October 3,1997

United Bankshares, Inc.,
Charleston, WV

First Patriot Bankshares
Corporation,
Reston, VA, and
Patriot National Bank,
Reston, VA

3

Richmond

June 16,1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

Septembers, 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

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

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 (b)(l 1)

3 and 4

Richmond

September 26,1997

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 (b)(7)(i)

3

Richmond

September 15, 1997

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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

Zions Bancorporation,
Salt Lake City, UT

Zions Bancorporation,
Salt Lake City, UT




Section of law

Reserve Bank

End of comment period

CIBC

Kansas City

August 5, 1997

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

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

3

San Francisco

September 15,1997

Addresses for Comments and Information Requests
Addresses for com m ents 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 Septem ber 12,1997

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.
Section of law

Applicant or notiflcant

Acquiree or activity

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 National
Corporation, Lexington,
TN

Community National Bank
of Tennessee, Lexington,
TN

3

St. Louis

October 17, 1997

First Banks, Inc., St.
Louis, MO

Surety Bank, Vallejo, CA

3

St. Louis

October 14, 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




Reserve Bank

End of comment peril

Applicant or notificant

Acquiree or activity

Nonvest 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. (bXl); the
sale of insur. (b)(l 1X0, (ii)
& (iii) & the operation of a
nonbank depository
institution (bX4)

4

Minneapolis

October 17,1997

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

Peoples Bancorporation,
Inc., Cuba, MO

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

3

St. Louis

October 17,1997

Popular, Inc., Hato Rey,
Puerto Rico

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

3

New York

October 16,1997

SIS Bancorp, Inc.,
Springfield, MA

Glastonbury Bank & Trust
Company, Glastonbury, CT

3

Boston

October 16,1997

The First National Bank
at St. James, ESOP, St.
James, MN

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

3

Minneapolis

October 17,1997




Section of law

Reserve Bank

End of comment period

Addresses for Comments and Information Requests
Addresses for com m ents 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 die 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)




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