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Federal Reserve Release
H.2

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

No. 38
W eek E n d in g Septem ber 2 0 ,1 9 9 7

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




No. 38
ACTIONS TAKEN BY THE BOARD OF GOVERNORS
TESTIMONY AND STATEMENTS
Issues concerning offline debit cards or check cards that can be used without
security codes -- statement by Governor Meyer before the Subcommittee on
Financial Institutions and Consumer Credit of the House Committee on Banking
and Financial Services, September 24,1997.
- Authorized, September 19,1997
Payments system and the role of the Federal Reserve —statement by Vice Chair
Rivlin before the Subcommittee on Domestic and International Monetary Policy of
the House Committee on Banking and Financial Services, September 16,1997.
- Published, September 17,1997
BANK HOLDING COMPANIES
BankAmerica Corporation, San Francisco, California -- to acquire Robertson,
Stephens & Company Group, L.L.C., and all of the subsidiaries and affiliates of
the Robertson Group and Robertson Stephens Co., and engage in financial and
investment advisory, securities brokerage, private placement, and riskless principal
activities, and underwriting and dealing in government obligations.
- Permitted, September 17,1997
Barnett Banks, Inc., Jacksonville, Florida -- to acquire First of America Bank Florida, FSB, Tampa, Florida, and engage in operating a savings association.
- Approved, September 15,1997
BB&T Corporation, Winston-Salem, North Carolina -- to acquire Craigie
Incorporated, Richmond, Virginia, and engage in underwriting and dealing in, to a
limited extent, debt and equity securities, lending activities, leasing services,
financial and investment advisory services, securities brokerage, and underwriting
and dealing in government obligations.
- Permitted, September 17,1997
New Prague Bancshares, Inc., New Prague, Minnesota -- to acquire Community
Security Bank.
- Approved, September 15,1997
BANKS, FOREIGN




Sudwestdeutsche Landesbank Girozentrale, Stuttgart and Mannheim, Germany —
to establish a branch in New York, New York.
- Approved, September 17,1997

H.2

Page 2

September 14,1997 to September 20, 1997

ACTIONS TAKEN BY THE BOARD OF GOVERNORS
BOARD OPERATIONS
Division of Banking Supervision and Regulation —reorganization with promotion
of Herbert A. Biem and Roger T. Cole to Associate Director; promotion of James
V. Houpt, Jr., Gerald A. Edwards, Jr., Molly S. Wassom, Stephen Hoffman, Jr.,
Michael G. Martinson, Sidney M. Sussan, and Jack P. Jennings to Deputy
Associate Director; appointment of Norah M. Barger, Mary Cross, and Richard A.
Small to the position of Assistant Director; and transfer of William A. Ryback to
Associate Director for Supervision.
- Approved, September 15,1997
Division of International Finance -- reorganization with appointment of Lewis
Alexander as Associate Director; promotion of Karen H. Johnson and Peter
Hooper III to Associate Director; and reassignment of Thomas Connors, Assistant
Director, with a change in title to Senior Adviser to Charles Siegman and Larry
Promise!.
- Approved, September 15,1997
CHANGE IN BANK CONTROL
First Bankshares, Inc., Longwood, Florida -- change in bank control.
- Permitted, September 17,1997
FORMS
Recordkeeping Requirements Associated with the Board's Appraisal Standards for
Federally Related Transactions -- extension for three years, without revision.
- Proposed, September 18,1997
REGULATIONS AND POLICIES
Basle Committee on Banking Supervision —modified amendment to the Capital
Accord to incorporate market risk, effective January 1,1998.
- Announced, September 19,1997
ENFORCEMENT




Skandinaviska Enskiiua Banken, Stockholm, Sweden, its New York branch and
New York State-chartered Article XII corporation —joint issuance with the New
York State Banking Department of a consent order, and an order of assessment of
a civil money penalty against the bank and its New York branch and Article XII
corporation.
- Announced, September 17,1997

H.2
September 14,1997 to September 20,1997
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Abbreviations: BS&R - Banking Supervision and Regulation; C&CA - Consumer and Community
Affairs; FOMC - Federal Open Market Committee; RBOPS - Reserve Bank Operations and Payment
Systems; IF - International Finance; OSDM - Office of Staff Director for Management
BANK BRANCHES, DOMESTIC
Chicago
Bloomingdale Bank and Trust, Bloomingdale, Illinois —to establish a branch at the
southeast comer of Arlington Heights Road and Pierce Road, Itasca, Illinois.
- Approved, September 15, 1997
Chicago
Citizens Bank & Trust Company, Hudson, Iowa —to establish a branch at 209 West
5th Street, Waterloo, Iowa.
- Approved, September 17,1997
Richmond
First Community Bank, Inc., Buckhannon, West Virginia —to establish a branch in
the Wal-Mart store on U.S. Route 119.
- Approved, September 15,1997
Chicago
Valley Ridge Bank, Kent City, Michigan -- to establish a branch at 47th South
Charles Street, White Cloud, Michigan.
- Approved, September 17,1997
BANK HOLDING COMPANIES
San Francisco
1867 Western Financial Corporation, Stockton, California —to acquire shares of
Capital Corp of the West, Merced, California.
- Approved, September 18, 1997




1867 Western Financial Corporation, Stockton, California -- to engage in operating
an industrial loan company and providing credit life insurance through Town and
Country Finance and Thrift Company, Turlock, California.
- Permitted, September 18,1997
1867 Western Financial Corporation, Stockton, California —to engage in
management consulting and furnishing investment advice through Capital West
Group, Inc., Merced, California.
- Permitted, September 18,1997

H.2

Page 2

September 14,1997 to September 20, 1997
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
New York
Albank Financial Corporation, Albany, New York -- to acquire Albank Commercial
and to retain Albank, FSB Albany, a Federal savings association.
- Approved, September 17,1997
Dallas
Bay Bancshares, Inc., La Porte, Texas —request for waiver of application to acquire
Texas Bank, Baytown, Texas, and First Bank of Deer Park, Deer Park, Texas.
- Granted, September 19,1997
Richmond
Calvin B. Taylor Bankshares, Inc., Berlin, Maryland —to acquire Calvin B. Taylor
Bank of Delaware, Ocean View, Delaware.
- Approved, September 19,1997
Richmond
Carolina First Corporation, Greenville, South Carolina -- to acquire First Southeast
Financial Corporation, Anderson, South Carolina.
- Approved, September 19,1997
St. Louis
CB&T Bancshares, Inc., Marks, Mississippi —to acquire Citizens Bank & Trust
Company.
- Approved, September 15,1997
San Francisco
Citizens Bancorp, Agana, Guam -- to acquire Citizens Security Bank (Guam), Inc.,
Agana, Guam.
- Approved, September 18, 1997
C level0"'4

Citizens National Corporation, Paintsville, Kentucky -- to acquire Josephine
Bancshares, Prestonburg, Kentucky.
- Approved, September 15,1997
St. Louis
Community Financial Corp., Olney, Illinois -- to acquire Mid-America Bank of St.
Clair County, O'Fallon, Illinois.
- Approved, September 18,1997




H.2
September 14, 1997 to September 20, 1997

Page 3

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Philadelphia
CoreStates Financial Corp., Philadelphia, Pennsylvania -- to engage in automated
teller machine and point-of-sale activities on a worldwide basis through Electronic
Payment Services, Inc., Wilmington, Delaware.
- Permitted, September 18, 1997
San Francisco
CPB, Inc., Honolulu, Hawaii -- to acquire shares of Trans-Pacific Mortgage Group
LLC, a joint venture with Source Management LLC, and engage in mortgage
lending activities.
- Permitted, September 16, 1997
Kansas City
Devonshire Investment Company, Bethany, Oklahoma —to engage de novo in
management consulting and counseling activities through a wholly-owned
subsidiary.
- Permitted, September 18, 1997
Chicago
First State Bancorp of Monticello, Inc. Employee Stock Ownership Plan —to
acquire shares of First State Bancorp of Monticello, Inc., Monticello, Illinois, and
thereby acquire First State Bank of Monticello; State Bank of Hammond,
Hammond; First State Bank of Bloomington, Bloomington; First State Bank of
Heyworth, Heyworth; and First State Bank of Atwood, Atwood, Illinois.
- Approved, September 17,1997
Chicago
Heartland Bancshares, Inc., Franklin, Indiana —to acquire Heartland Community
Bank.
- Approved, September 17,1997
General Counsel
M.B. and I.M. Hampton Family Partnership, Ltd., Mt. Pleasant, Texas -determination that it is a qualified family partnership under the Bank Holding
Company Act.
- Granted, September 16,1997




H.2
September 14,1997 to September 20, 1997

Page 4

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Chicago
Midland Bancshares, Inc., Kincaid, Illinois —to acquire The Midland Community
Bank.
- Returned, September 15,1997
General Counsel
NationsBank Corporation, Charlotte, North Carolina -- request for exemption from
the tying limitations of the Bank Holding Company Act.
- Granted, September 19,1997
Minneapolis
Norwest Corporation, Minneapolis, Minnesota —to acquire International
Bancorporation, Golden Valley, Minnesota.
- Approved, September 17,1997
Norwest Corporation, Minneapolis, Minnesota —to acquire through Norwest
Investment Services, Inc., Des Moines, Iowa, the brokerage business of International
Bancorporation's subsidiary banks.
- Approved, September 17,1997
Cleveland
Peoples Financial Bancorp, Inc., Ford City, Pennsylvania -- to retain shares of
Elderton State Bank, Elderton, Pennsylvania.
- Approved, September 18,1997
New York
Prestige Financial Corporation, Flemington, New Jersey —to engage de novo in
securities brokerage and mutual fund sales activities through PFC Financial
Services, Inc.
- Permitted, September 19,1997
Atlanta
Regions Financial Corporation, Birmingham, Alabama -- to acquire Griffin Federal
Savings Bank, Griffin, Georgia, and engage in operating a savings association.
- Permitted, September 18,1997




H.2
September 14, 1997 to September 20, 1997

Page 5

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
New York
Santander Holding Intemacional, S.A., Madrid, Spain, and Santusa Holding, S.L. -to acquire Banco Santander Puerto Rico, Hato Rey; Puerto Rico, and for Santander
Holding and Santusa to retain interest in First Union Corporation, Charlotte, North
Carolina, and The Royal Bank of Scotland Group, PLC, Edinburgh, Scotland.
- Approved, September 15,1997
Director, BS&R
Stewardship Financial Corporation, Midland Park, New Jersey —transfer agent
registration.
- Approved, September 16,1997
Minneapolis
Union Bancshares, Inc., Fargo, North Dakota —to acquire Union State Bank of
Fargo, Fargo, North Dakota.
- Approved, September 18,1997
Director, BS&R
Valley Bancorp, Inc., Phoenix, Arizona —request to modify a commitment in
connection with application to acquire Valley Bank of Arizona.
- Granted, September 16,1997
Secretary
Wachovia Corporation, Winston-Salem, North Carolina —to merge with 1st United
Bancorp, Boca Raton, Florida, and acquire 1st United Bank; and engage in securities
brokerage activities through acquisition of Island Investment Services, Inc., Palm
Beach, Florida.
- Approved, September 19,1997
San Francisco
Western Holdings Bancorp, Los Altos, California -- to acquire Bank of Los Altos.
- Approved, September 17,1997
BANK MERGERS
Philadelphia
First Sterling Bank, Devon, Pennsylvania —to merge with Prime Bank,
Philadelphia, Pennsylvania.
- Approved, September 17,1997




H.2
September 14,1997 to September 20,1997

Page 6

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Philadelphia
Johnstown Bank and Trust Company, Johnstown, Pennsylvania - to merge with
Laurel Bank, Ebensburg; and Fayette Bank, Uniontown, Pennsylvania.
- Approved, September 17,1997
BANKS, NONMEMBER, AND MISCELLANEOUS INSTITUTIONS
Atlanta
Provident Bank of Florida, Apollo Beach, Florida -- to exercise trust powers.
- Approved, September 17,1997
CAPITAL STOCK
Dallas
G-6 Corporation, Mesquite, Texas —redemption of shares.
- Approved, September 16,1997
CHANGE IN BANK CONTROL
New York
Albank Financial Corporation, Albany, New York -- change in bank control.
- Permitted, September 17,1997
Dallas
Citizens National Bank of Waxahachie Employee Stock Ownership Plan,
Waxahachie, Texas —change in bank control.
- Permitted, September 16,1997
Chicago
First Business Bancshares, Inc., Madison, Wisconsin —change in bank control.
- Permitted, September 17,1997
Kansas City
Hooker National Bancshares, Inc., Hooker, Oklahoma -- change in bank control.
- Permitted, September 15,1997




H.2
September 14, 1997 to September 20, 1997

Page 7

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
COMPETITIVE FACTORS REPORTS
New York
Albank Commercial, Albany, New York —report on competitive factors of the
proposed acquisition of the assets and assumption of the liabilities of 35 branches of
KeyBank National Association.
- Submitted, September 18,1997
Secretary
Bank of Visalia, Visalia, California —report on competitive factors of the proposed
acquisition of assets and assumption of the liabilities of the Tipton and Woodlake,
California, branches of Bank of America National Trust & Savings Association, San
Francisco, California.
- Submitted, September 17, 1997
Secretary
Bank of America National Trust & Savings Association, San Francisco, California report on competitive factors of the proposed purchase of assets and assumption of
liabilities of the Miami, Florida, branch of BankAmerica International, Miami,
Florida.
- Submitted, September 19,1997
Cleveland
Bank of Winter Park, Winter Park, Florida —report on competitive factors of the
proposed merger with The Huntington National Bank, Columbus, Ohio.
- Submitted, September 18,1997
Atlanta
Barnett Bank, N.A., Jacksonville, Florida —report on competitive factors of the
proposed acquisition of the assets and assumption of the liabilities of First of
America Bank-FL, FSB, Tampa, Florida.
- Granted, September 16,1997
San Francisco
Cascade Community Bank, Auburn, Washington -- report on competitive factors of
the proposed merger with Columbia State Bank, Tacoma, Washington.
- Submitted, September 17,1997




H.2
September 14,1997 to September 20,1997

Page 8

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Secretary
County Bank, Merced, California -- report on competitive factors of the proposed
acquisition of the assets and assumption of the liabilities of the Dos Palos,
Livingston, and Mariposa, California, branches of Bank of America National Trust
& Savings Association, San Francisco, California.
- Submitted, September 18,1997
Dallas
Crockett State Bank, Crockett, Texas -- report on competitive factors of the
proposed merger with First National Bank of Huntsville, Huntsville, Texas.
- Submitted, September 16,1997
Chicago
Dickinson County Savings Bank, Milford, Iowa -- report on competitive factors of
the proposed merger with United Community Bank, Hartley, Iowa.
- Submitted, September 16,1997
St. Louis
Farmers Bank & Trust Company, Magnolia, Arkansas —report on competitive
factors of the proposed acquisition of assets and assumption of liabilities of four
Camden, Arkansas, branches of NationsBank, N.A., Charlotte, North Carolina.
- Submitted^ September 17,1997
Atlanta
Farmers Bank, Portland, Tennessee -- report on competitive factors of the proposed
purchase of certain assets and assumption of certain liabilities of the Portland,
Tennessee, branch of First Union National Bank, Charlotte, North Carolina, and to
establish a branch.
- Submitted, September 17,1997
Chicago
First Federal Savings Bank of Marion, Marion, Indiana —report on competitive
factors of the proposed purchase of assets and assumption of the liabilities of the Gas
City branch of NBD Bank, N..A.
- Submitted, September 15,1997




H.2
September 14, 1997 to September 20,1997

Page 9

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Richmond
First National Exchange Bank, Roanoke, Virginia -- report on competitive factors of
the proposed purchase of certain assets and assumption of certain liabilities of four
branches of First National Bank of Rocky Mount, Rocky Mount, Virginia.
- Submitted, September 18,1997
Dallas
First Victoria National Bank, Victoria, Texas —report on competitive factors of the
proposed acquisition of assets and assumption of liabilities of a branch at 421 Green
Avenue, Taft, Texas.
- Submitted, September 16,1997
Dallas
First-Nichols National Bank, Kenedy, Texas -- report on competitive factors of the
proposed merger with First-Nichols Interim National Bank.
- Submitted, September 15,1997
Boston
Fleet Bank (Delaware), N.A., Wilmington, Delaware -- report on competitive
factors of the proposed merger with Fleet Bank (RI), N.A., Providence, Rhode
Island.
- Submitted, September 19,1997
Boston
Fleet Bank, Albany, New York —report on proposed merger with Fleet National
Bank, Springfield, Massachusetts.
- Submitted, September 19,1997
Cleveland
Geauga Savings Bank, Newbury, Ohio -- report on competitive factors of the
proposed merger with Geauga Interim Savings Bank.
- Submitted, September 18,1997
St. Louis
Guaranty Bank and Trust Company, Belzoni, Mississippi - report on competitive
factors of the proposed acquisition of certain assets and assumption of certain
liabilities of the Indianola, Mississippi, branch of Magnolia Federal Bank For
Savings, Hattiesburg, Mississippi.
- Submitted, September 18,1997




H.2
September 14, 1997 to September 20, 1997

Page 10

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Chicago
Home Bank, SB, Martinsville, Indiana —report on competitive factors of the
proposed purchase of the assets and assumption of the liabilities of the Martinsville,
branch of NBD Bank, N.A., Indianapolis, Indiana.
- Submitted, September 15,1997
Dallas
International Bank of Commerce, Laredo, Texas -- report on competitive factors of
the proposed merger with University Bank, Houston, Texas.
- Submitted, September 16,1997
Chicago
Lake City Bank, Warsaw, Indiana -- report on competitive factors of the proposed
acquisition of certain assets and assumption of certain liabilities of the Huntington,
Indiana, branch of NBD Bank, N.A., Indianapolis, Indiana.
- Submitted, September 15,1997
San Francisco
Los Padres Savings Bank, FSB, Solvang, California —report on competitive factors
of the proposed purchase of certain assets and assumption of certain liabilities of the
Ojai and Solvang, California, branches of Home Savings of America, FSB
Irwindale, California.
- Submitted, September 19,1997
Chicago
Midland Community Bank, Kincaid, Illinois —report on competitive factors of the
proposed merger with Kincaid Interim Bank.
- Submitted, September 17,1997
Dallas
Norwest Bank Texas, South, N.A., San Antonio, Texas -- report on competitive
factors of the proposed merger with Norwest Bank Texas, North Central, Fort
Worth, Texas.
- Submitted, September 15,1997
Atlanta
Peoples Bank, Mendenhall, Mississippi —report on competitive factors of the
proposed purchase of certain assets and assumption of certain liabilities of the
Collins, branch of Magnolia Federal Bank for Savings, Hattiesburg, Mississippi.
- Submitted, September 17,1997




H.2
September 14, 1997 to September 20, 1997

Page 11

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Chicago
Stephenson National Bank and Trust, Marinette, Wisconsin -- report on competitive
factors of the proposed merger with The Stephenson National Bank, Menominee,
Michigan.
- Submitted, September 17,1997
Dallas
Sterling Bank, Houston, Texas -- report on competitive factors of the proposed
merger with Houston National Bank.
- Submitted, September 16,1997
Chicago
Sturgis Bank & Trust Company, FSB, Sturgis, Michigan —report on competitive
factors of the proposed purchase of the Bronson and Constantine branches of
KeyBank, National Association, Cleveland, Ohio.
- Submitted, September 17,1997
Chicago
Union National Bank and Trust Company of Elgin, Elgin, Illinois —report on
competitive factors of the proposed merger with Interim National Bank of Elgin.
- Submitted, September 17,1997
EXTENSIONS OF TIME
Boston
Bank of Boston Corporation, Boston, Massachusetts —extension to establish a
branch in Shanghai, China.
- Granted, September 18,1997
Dallas
Central Texas Bankshare Holdings, Inc., Columbus, Texas -- extension to
December 26,1997, to acquire Hill Bancshares Holdings, Inc., Weimar; Texas, Hill
Bancshares, Inc., Wilmington, Delaware, and Hill Bank & Trust Company, Weimar,
Texas.
- Granted, September 17,1997
Richmond
First Citizens BancShares, Inc., Raleigh, North Carolina —extension to October 19,
1997, to acquire First Savings Financial Corp., Reidsville, North Carolina.
- Granted, September 17,1997




H.2
September 14,1997 to September 20,1997

Page 12

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Boston
NMBT Corp., New Milford, Connecticut -- extension to acquire The New Milford
Bank and Trust Company.
- Granted, September 16,1997
San Francisco
Wells Fargo & Company, San Francisco, California —extension to divest certain
property.
- Granted, September 19,1997
MEMBERSHIP
Chicago
F&M Bank-Prairie du Chien, Prairie du Chien, Wisconsin —to become a member of
the Federal Reserve System.
- Approved, September 17,1997
RESERVE BANK SERVICES
Director RBOPS
National Check Exchange —request to provide net settlement services to depository
institutions that participate in NCE and that utilize the New York Clearing House
Association as agent for the services.
- Granted, September 19,1997




Additions/Corrections

H.2

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
BANK HOLDING COMPANIES
San Francisco
Columbia Banking System, Inc., Tacoma, Washington -- request for waiver of
application in connection with the proposed merger of Cascade Bancorp, Inc.,
Auburn, California, and Cascade Community Bank with Columbia State Bank.
- Granted, September 2,1997




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

Application

Comment Period

Ending Date

NONE
SECTION I I - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE

Application

Comment Period

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

Ending Date

Newspaper

10-16-97

Federal Register

10-16-97

SECTION I I I - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY

Application

Comment Period

Mutual Bancorp of the
Federal Register
Berkshires, Inc., Pittsfield,
Massachusetts - 4 (c) (8)
notification to engage in
trust company and community
development activities

Ending Date

10-10-97

SECTIO N IV - A PPL IC A T IO N S NOT SUBJECT TO
FEDERAL REG ISTER OR NEWSPAPER NOTICE

Application
NONE
SEC TIO N V - A V A IL A B IL IT Y OF CRA PU B L IC EVALUATIONS

Institution

Examination Date

Rating**

NONE
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_____
Bank of New York, New York, New York, to establish a branch at
113 West Essex Street, Maywood, New Jersey. 1/
SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
None.
SECTION III
Nonbanking Applications
(subject to Federal Register Notice Only )

None.
SECTION IV
Applications Not Involving
Public Comment
None.
SECTION V
Availability of CRA Public Evaluations
In connection with the assessment of each insured depository institution's
CRA performance, a rating is assigned from the following group:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and
is a leader in, ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated
community, including low- and moderate- income neighborhoods,
in a manner consistent with its resources and capabilities.




10/10/97

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 20.1997
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:

10/5/97

Community Bank and Trust Company. Forest City, PA, to acquire certain assets and assure
deposit liabilities associated with two branch offices of First Union National Bank, Charlotte, NC,
pursuant to Section 18(c) of the Federal Deposit Insurance Act.
Newspaper comment period expires:

N/A vail

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

N/A vail

SECTION II - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEWSPAPER
AND FEDERAL REGISTER NOTICE
Penn Woods. Williamsport, PA, to acquire up to 10 percent of Columbia Financial Institution,
Bloomsburg, PA, pursuant to Section 3(a)(3) of the Bank Holding Company Act.
Newspaper comment period expires:
10/11191
Federal Register comment period expires: N/Avail.
SECTION III - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL
REGISTER NOTICE ONLY
NONE
SECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL
REGISTER NOTICE OR NEWSPAPER
Keystone Financial. Inc.. Harrisburg, PA request relief of commitments made in connection with
the Federal Reserve’s 1995 approval of Keystone’s application to acquire Martindale Andres
Company, Inc., West Conshohocken, PA, and thereby engage in investment advisory activities.




SECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL
REGISTER NOTICE OR NEWSPAPER (continued)
Corestates Financial Corp.. Philadelphia, PA to engage, through Electronic Payment Services,
Inc., Wilmington, DE, in automated teller machine and point-of-sale activities on a world-wide
basis, pursuant to Section 4(c)(8) of the Bank Holding Company Act ans Section 225.28(b)(14)
of Regulation Y.




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

Examination Date

CRA Rating

NONE

NONE

NONE




SECTION V I

-

CRA EXAM SCHEDULE
NONE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION VII - APPLICATIONS APPROVED
Johnstown Bank and Trust Company. Johnstown, PA to merge with Laurel Bank, Ebensburg,
PA, and Fayette Bank, Uniontown, PA pursuant to Sections 18(c) and 5(d)(3) of the Federal
Deposit Insurance Act
Approved: 9/17/97
First Sterling Bank. Devon, PA, to effect a merger with Prime Bank, Philadelphia, PA,
pursuant to Section 5(d)(3) of the Federal Deposit Insurance Act and to establish branches
incident thereto, pursuant to Section 9 of the Federal Reserve Act.
Approved: 9/17/97
Corestates Financial Corp.. Philadelphia, PA, to engage, through Electronic Payment Services,
Inc., Wilmington, DE, in automated teller machine and point-of-sale activities on a world-wide
basis, pursuant to Section 4(c)(8) of the Bank Holding Company Act and Section 225.28(b)(14)
of Regulation Y.




Approved: 9/18/97

District
Federal Reserve Bank of Cleveland
A p p lication s and notifications filed during the w eek ending 9/20/97

Section I - Applications subject to newspaper notice only
T ype

A p p lic a tio n

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

NONE
Footnotes

Section II - Applications subject to both newspaper and Federal Register notice
Type

A p p lic a tio n

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

NONE
Footnotes

Section III - Applications subject to Federal Register notice only
Type

A p p lic a tio n

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

NONE

Footnotes

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

A p p lic a tio n

NONE
Footnotes




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

Section V - Availability of CRA public evaluations
D e sc rip tio n o f the CRA G o a l a g a in st w hich in stitution s a re evaluated, the fo u r p erfo rm a n ce levels, a n d the
institution s f o r w hich an evalu ation is p u b lic ly a vailable.

The CRA requires a periodic evaluation of 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.:
Outstanding
Satisfactory
Needs to Improve
Substantial noncompliance
RSSD
num ber

In stitu tio n / L ocation

E xam ination
da 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 e t
F in d la y, O H 4 5 8 4 0

6/02/97

9/8/97

Satisfactory

368522

A p o llo Trust C om pan y
201 N o rth W arren A ven u e
A p o llo , PA 15613

6/30/97

9/9/97

Satisfactory

Footnotes




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

Location

Andover Bank

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

Bank of Corning Company

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

Commercial & Savings Bank Co.

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

Fifth Third o f Northeastern Ohio

1404 E. Ninth Street, Cleveland, OH 44114

Genoa Banking Company

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

Hamler State Bank

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

Hocking Valley Bank

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

The Citizens Banking Company

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

The Corn City State Bank

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

The Cortland Savings & Banking Co.

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

The Custar State Bank

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

The Farmers Citizen Bank

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

The M etamora State Bank

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

The M inster State Bank

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

The Provident Bank

1 E. 4th Street, Cincinnati, OH 45202

Towne Bank

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

Footnotes




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

Comment Period Ending Date

Second Bank & Trust, Culpeper,
Virginia, to establish a branch at
1920 Medical Avenue, Harrisonburg,
Virginia.*

10-6-97

The First Bank and Trust Company,
Lebanon, Virginia, to establish a
branch at 38 and 40 East Valley Drive,
Bristol, Virginia.*

10-15-97

Centura Bank, Rocky Mount, North
Carolina, to acquire the Bakersville,
North Carolina, branch of First Union
National Bank of North Carolina,
Charlotte, North Carolina.*

10-18-97

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

Comment Period Ending Date

MainStreet BankGroup Incorporated,
Martinsville, Virginia, to acquire
Commerce Bank Corporation, College
Park, Maryland.*

10-6-97

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).*

10-9-97**

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

None.

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



Federal Reserve Bank of Richmond

Section IV - Application Not Subject to
Federal Register Notice or Newspaper Notice
Application
Queenstown Bancorp of Maryland, Inc.,
Queenstown, Maryland, to become a
bank holding company through the
acquisition of 100% of the voting
shares of Queenstown Bank of Maryland,
Queenstown, Maryland.*




Federal Reserve Bank o£ Richmond
Section V - Availability of CRA Public Evaluations
Week ending September 19, 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 19.1997
Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Banco BHIF
Not yet available*
Santiago, Chile
To establish an international bank agency to be located in Miami, Florida.

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

Comment Period Ending Date

None.

Section 3 - Applications Subject to Federal Register Only

Application

Comment Period Ending Date

None.

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

*Subject to provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 19.1997
Section 10 - Availability of CRA Public Evaluations
The CRA public evaluations of the insured depository institutions listed below became available
during this week. Information about an institution's CRA evaluation may be obtained directly from
the institution. In connection with the assessment of an institution's CRA performance, a rating is
assigned from the following groups:
Outstanding record of meeting community credit needs: An institution has an outstanding record
of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs: An institution has a satisfactory record
of ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs: An institution needs to improve
its overall record of ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Substantial noncompliance in meeting community credit needs: An institution has a
substantially deficient record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.
Bank

CRA Rating

Bank at Ormond-bySatisfactory
the Sea
Post Office Box 4318
Ormond Beach, Florida 32175
(904)441-1200




Examination Date
06-09-97

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 19. 1997
Recently Approved Applications

Approval Date

Regions Financial Corporation
09-18-97
Birmingham, Alabama
To acquire Griffin Federal Savings Bank, Griffin, Georgia, and thereby engage in operating a
savings association, pursuant to Section 225.28(b)(4)(ii) of Regulation Y and Section 4(c)(8) of the
Bank Holding Company Act.
Barnett Banks, Inc.
09-15-97
Jacksonville, Florida
To acquire First of America Bank-Florida, FSB, Tampa, Florida, and thereby engage in owning,
controlling, and operating a savings association, pursuant to Section 225.28(b)(4)(h) of Regulation
Y and Section 4(c)(8) of the Bank Holding Company Act.
Provident Bank of Florida
Apollo Beach, Florida
For authority to exercise trust powers.

09-17-97

First Bankshares, Inc.
09-17-97
Longwood, Florida
Change in control by Ms. Susma Patel & Messrs. Suketu Madhusudan Patel, Parimal Kantibhai
Patel, Bharat Muljibhai Amin, Dennis John Lloyd King, and Sushilaban Patel, to collectively acquire
43.06 percent of outstanding shares of First Bankshares, Inc., Longwood, Florida, pursuant to the
Change in Bank Control Act of 1978.
Rockdale National Bankshares, Inc.
Conyers, Georgia
1-BHC formation, Rockdale National Bank, Conyers, Georgia, pursuant to Section 3(a)(1) of the
Bank Holding Company Act.




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 - **

Branch

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

NP - 10-1-97

Merger & Branch

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

N P - **

Branch

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

NP - 10-14-97

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




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

Type

Application

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)(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 - 10-4-97

3(a)(3)

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

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

3(a)(1)

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

P R _ **

3(a)(1)

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

FR - 10-6-97
NP - 10-4-97

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




_ HH
« e

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)

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
_ **




reuerai Keserve bank ot Chicago
Section III - Applications Subject to Federal Register
Notice Only

Type
NONE




Application

Comment Period
Ending Date

reaerai Keserve name or cnicago
Section IV - Applications Not Subject to Federal Register or Newspaper Notice

Im
ROS




Application
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 19, 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

Bank of Geneva
215 East Line Street
Geneva, Indiana 46740
(219) 368-7288
RSSD # 590949

6/9/97

S

Hendricks County Bank &
Trust Company
One East Main Street
Brownsburg, Indiana 46112-1213
(317) 852-2268
RSSD # 633640

6/9/97

S

Federal Reserve Bank of Chicago
Section V - Availability of CRA Public Evaluations
con’t
BANK NAME/LOCATION

EXAMINATION DATE

RATINGS

Chemical Bank Michigan
807 McEwan Street
Clare, Michigan 48617-0710
(517) 386-3411
RSSD # 960542

6/9/97

O

Chemical Bank and
Trust Company
333 East Main Street
Midland, Michigan 48640-0231
(517) 631-9200
RSSD # 542649

5/12/97

S

Valley Ridge Bank
Six Main Street
Kent City, Michigan 49330
(616) 678-5911
RSSD # 268846

5//27/97

O




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 19, 1997

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

End of Comment Period

* Section 18(c) notification by First Bank, Creve
Coeur, Missouri, to merge with First Bank FSB,
Clayton, Missouri, and First Bank, O’Fallon,
Illinois.

10-2-97

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

End of Comment Period

* Section 3(a)(5) notification by National City
Bancshares, Inc., Evansville, Indiana, to merge
with Fourth First Bancorp, Huntingburg, Indiana.

Federal Register: 10-3-97

* Section 3(a)(1) notification by Community National
Corporation, Lexington, Tennessee, to acquire
Community National Bank of Tennessee, Lexington,
Tennessee, following the conversion of Lexington
First Federal Savings Bank, Lexington, Tennessee,
into a commercial bank.

Newspaper: 10-13-97

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
None.

* This notification is subject to CRA.



End of Comment Period

For week ending September 19, 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

FEDERAL RESERVE BANK OF ST. LOUIS
SECTION V - AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification of Ratings:
O utstanding record o f m eeting community credit needs

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

Name of Bank

Bank Address
1

None




Examination
Date

Examination
Rating

For week ending September 19, 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

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section I - Applications Subject to
Newspaper Notice Only

Comment Period
Ending Date

Application
NONE.

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

Application

Comment Period
Ending Date

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.

October 17,1997
(Federal Register)

Community First Bankshares, Inc., Fargo, North Dakota for prior
approval to merge with Republic National Bancorp, Inc., Phoenix,
Arizona. *

October 6, 1997
(Federal Register)

Community First Bankshares, Inc., Fargo, North Dakota for prior
approval to merge with First National Summit Bankshares, Inc.,
Gunnison, Colorado. *

October 6, 1997
(Federal Register)

Rice Lake Bancorp, Inc., Rice Lake, Wisconsin for prior approval
to acquire 100% o f the voting shares o f the Talco, Inc., Menomonie
Shares, Inc., and Menomonie Financial Services, Inc., all o f Menomonie,
Wisconsin and thereby indirectly acquire 85.49% o f First Bank and
Trust, Menomonie, Wisconsin. *

October 9, 1997
(Federal Register)

Roseau Realty Co., Inc., Roseau, Minnesota for prior approval to become
a bank holding company through the acquisition o f at least 74.9% o f the
voting shares o f Citizens State Bank o f Roseau, Roseau, Minnesota. *

Not yet available

Owen-Curtiss Financial Corporation, Rice Lake, Wisconsin for prior
approval to become a bank holding company through the acquisition o f
100% o f the voting shares o f Brill Bancshares, Inc., Rice Lake,
Wisconsin. *

Not yet available

Winter-Park Bancshares, Inc., Cameron, Wisconsin for prior approval
to acquire, indirectly through Owen-Curtiss Financial Corporation,
Rice Lake, Wisconsin, 100% o f the voting shares o f Brill Bancshares,
Inc., Rice Lake, Wisconsin. *

Not yet available

* Subject to CRA




r W A K A L K I/M !.K V £ BAIN IV U » M I N N E A P O L IS

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

Application
NONE.

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




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

Section V - Availability o f
CRA Public Evaluations
week ending September 19,1997

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.
BANK/SI EXAMINED

DATE OF EXAMINATION

CRA RATING

Citizens Bank & Trust Company
130 McLeod Street
Box 847
Big Timber, MT 59011-0847
(406) 932-5311

June 9, 1997

Satisfactory




Federal Reserve Bank of Kansas City

Week Ending September 19, 1997

SECTION 1 - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION

COMMENT PERIOD

GDATE

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

CO

" PERIOD ENDING DATE

Trustbank Financial Corporation, Denver, Colorado,
for prior approval to become a bank holding company
through the acquisition of 100 percent of the voting
shares of Trust Bank of Colorado, Denver, Colorado.

Not Available

Community Bancshares, Inc., Denver, Colorado, for
prior approval to acquire up to 90 percent of the
voting shares of Dove Creek State Bank, Dove Creek,
Colorado.

Not Available

Leo N. Bradley, Golden, Colorado, Susan Q. Bradley,
and Jeffrey N. Bradley, both of Denver, Colorado;
and Bradley Investments, L.L.L.P., Golden,
Colorado, to retain control of Evergreen
Bancorporation, Evergreen, Colorado.

Not Available

Cortez Investment Co., Cortez, Colorado, for prior
approval to acquire 1.27 percent, for a total of 50
percent, of the voting shares of Citizens State Bank of
Cortez, Cortez, Colorado.

October 6, 1997

Griffin Investment, L.P., Cameron, Missouri, and
Griffin General Partner, Inc., Cameron, Missouri, for
prior approval to become bank holding companies
through the acquisition of 99.993 percent of the voting
shares of Griffin Bancshares, Inc., Cameron,
Missouri; and thereby indirectly acquire Pony Express
Bank, Braymer, Missouri.

October 16, 1997




Citizens Financial Corp., Midwest City, Oklahoma,
for prior approval to become a bank holding company
through the acquisition of 100 percent of the voting
shares of U.S. National Bank, Midwest City,
Oklahoma, a d£ novo bank in organization.

October 16, 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

APPLICATION
None.
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:
Outstanding record of meeting community credit needs
An institution in this group has an outstanding record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs
An institution in this group has a satisfactory record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderateincome neighborhoods, in a manner consistent with its resources and capabilities.




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

Bank/Location

R$SP#

Exam Date

CRA Public
Date

Citizens State Bank
190 N. Main Street
Polk, Nebraska 68654

672957

06/23/97

09/16/97

Satisfactory

Oregon Trail Bank
900258
Wyoming & Whalen
Guernsey, Wyoming 82214

06/23/97

09/19/97

Satisfactory

♦Application is subject to CRA.




CRA
Rating

District 11
Federal Reserve Bank of Dallas
A pplications and N otifications F iled D uring the W eek o f Septem ber 15, 1997

Section I - A pplications subject to new spaper notice only

Type

Application

Comment period
ending date

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

Section II - A pplications subject to both new spaper and Federal R egister notice

Type

Application

Comment period
ending date

Change in Control Rodney G. Kroll, Waco, TX, et al, to acquire an interest in
Notice
First Riesel Corporation, Riesel, TX

**97/10/02
*

Change in Control Johnny Bob Carruth, Haskell, TX, et al, to acquire an
Notice
interest in First Haskell Bancorp, Inc., Haskell, TX

**97/09/19

* 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

723653

*N/A*
* Not Available.




CRA
public date

CRA
rating

97/06/09

Western Bank
140 E. Motel Avenue
P. 0. Box 490
Lordsburg, NM 88045

Section VI - CRA examinations scheduled
Institution

Examination
date

Institution/ Location

97/09/15

Strong

Quarter of
Location

FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 9/19/97

Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

None

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

Section III -Applications Subject to Federal Register Only
None

Section IV - Applications Not Subject to Federal Register Notice

or Newspaper Notice
Redding Bancorp, Redding, California, to purchase up to ten percent of its outstanding stock.

* Subject to CRA.



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 9/19/97
Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution^) below became available during this week. Information
about a particular institution's CRA evaluation may be obtained directly from the institution.

Institution

Location

Examination Date

Rating*

Utah Independent Bank

55 S. State Street
Salina, UT 84654-1344
(801) 529-7459

May 5, 1997

Outstanding

Bank of Lake County

150 S. Main Street
May 12, 1997
Lakeport, CA 95453-5017
(707) 263-5481

Satisfactory

*Under the rating system an institution's CRA performance is assigned one of the following four ratings:
Ontstanding 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
Noti ofFormations and Mergers o,and A q i i i n b ,Bank Holding
ce
f
custos y
Companies; Change i Bank Control
n
Notices Filed as of September 19,1997
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. 18170), 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(l),
Stockton, CA
CONTINUED

Capital Corp of the West,
Merced, CA, &Town&
Country Finance & Thrift
Co., Turlock, CA &
Capital West Group, Inc.,
Stockton, CA operating an
industrial loan co. (b)(4);
providing credit life
insurance (bXl 1);
management consulting
(bX9); CONTINUED

1867 Western Financial
Corporation^),
Stockton, CA
CONTINUED

& investment & financial

1867 Western Financial
Corporation, Stockton,
CA
Albrecht Financial
Services, Inc., Norwalk,
IA




Section of law

Reserve Bank

End of comment period

4

San Francisco

August 26, 1997

4

San Francisco

August 26, 1997

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

3

San Francisco

September 2,1997

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

3

Chicago

October 9,1997

advice (bX6)

Applicant or notificant

Acquiree or activity

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

4

Richmond

September 3,1997

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




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree 6r activity

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

Section of law

Reserve Bank

End of comment period

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, (b)(7)
Card Alert Services, Inc.
Arlington, VA
providing debit card
securities services (b)(7)

4

Richmond

March 27,1997

Bloomer Bancshares,
Inc., Bloomer, WI

Peoples State Bank,
Bloomer, WI

3

Minneapolis

September 5,1997

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

Securities First Bank,
Fulleton, CA

3

San Francisco

September 29,1997

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

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

3

Richmond

September 15,1997




A p i a torn t f c n
plcn
oiiat

Acquireeo a t v t
r ciiy

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

agency transactional
services (b)(7); in
underwriting & delaing in
government obligations &
money market instruments,
providing investments &
trading services & buying
& selling bullion & related
activities (b)(8)

4

New York

August 28,1997

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

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

4

New York

August 28, 1997

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

dealing to a limited extent
in all types of equity & debt
securities; lending (b)(1),
(b)(2); financial &
investment advisory
services (b)(6); 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 (b)(4)(ii)

4

Richmond

September 3,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

Applicant or noiificant

Acquiree or activity

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

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 First
Bankshares, Inc., Fargo,
ND

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

3

Minneapolis

October 6, 1997

Community First
Bankshares, Inc., Fargo,
ND

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

3

Minneapolis

October 6,1997

Community National
Corporation, Lexington,
TN

Community National Bank
of Tennessee, Lexington,
TN

3

St. Louis

October 17,1997




Section of law

Reserve Bank

End of comment period

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

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

Deutsche Bank, AG
(Main)
Federal Republic of
Germany

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

4

New York

May 12,1997

Exchange National
Bancshares, Inc.,
Jefferson City, MO

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

3

St. Louis

October 2,1997

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

Mercantile Bank of
Southwest Florida, Naples,
FL

3

Cleveland

October 10,1997

F.N.B. Corporation,
Hermitage, PA

Indian Rocks State Bank,
Largo, FL

3

Cleveland

September 2,1997

FBOP Corporation, Oak
Park, IL

First Capital Bank of
Arizona, Phoenix, AZ

3

Chicago

October 2,1997

First Banks, Inc., St.
Louis, MO

Surety Bank, Vallejo, CA

3

St. Louis

October 14,1997

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




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

First National
Bancshares, Inc., East
Lansing, MI

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

4

Chicago

August 17, 1997

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

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

3

Kansas City

October 6,1997

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

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

3

Dallas

August 25,1997

First State Bancshares,
Inc., Farmington, MO

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

4

St. Louis

August 1, 1997

First Union
Corporation(l),
Charlotte, NC
CONTINUED

Signet Banking Corp., &
Signet Bank, Richmond,
VA; Signet Commercial
Credit Corp., Richmond,
VA making loans that are
typcially secured by
inventory, accounts
receivable or like security
& are generally structured
on a revolving basis (b)(1);
CONTINUED

3 and 4

Richmond

September 19, 1997

First Union
Corporation^),
Charlotte, NC
CONTINUED

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

3 and 4

Richmond

September 19,1997

First United Bancshares,
Inc., El Dorado, AR

City Bank & Trust of
Shreveport, Shreveport, LA

3

St. Louis

October 9,1997

FirstBank Holding
Company of Colorado,
ESOP, Lakewood, CO

FirstBank Holding
Company of Colorado,
Lakewood, CO

3

Kansas City

October 9,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

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

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

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




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

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

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

3

Kansas City

October 16,1997

Harbor, Lacy J.,
Denison, TX

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

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
(b)(l 1)

4

St. Louis

August 26, 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 (b)(7); data
processing (b)(14);
financial & investment
activities (b)(6); and
underwriting (b)(8)

4

New York

May 12, 1997

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




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

Jacobsen, Sam J.,
Middleton, WI

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

croc

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

croc

Atlanta

August 12, 1997

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

Kentucky Home Bank,
Bardstown, KY

3

San Francisco

April 17,1997

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

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

croc

Dallas

September 30, 1997

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

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

croc

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

croc

San Francisco

August 20, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

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 (b)(4)

3 and 4

Kansas City

August 4,1997

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

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

4

New York

March 26, 1997

Mahaska Investment
Company, Oskaloosa, IA

Pella State Bank, Pella, LA

3

Chicago

September 12,1997

MainStreet BankGroup
Incorporated,
Martinsville, VA

Commerce Bank
Corporation, College Park,
MD

3

Richmond

Marengo Bancshares,
Inc., Marengo, IL

Prairie State Bank,
Marengo, IL

3

Chicago

October 2,1997

Mercantile Bank
Corporation, Grand
Rapids, MI

Mercantile Bank of West
Michigan, Grand Rapids, MI

3

Chicago

October 9, 1997

MidSouth Bancorp, Inc.,
ESOP, Lafayette, LA

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

CIBC

Atlanta

September 30, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

• October 6,1997

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

Acquiree o a t v t
r ciiy

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

3

Boston

September 19,1997

Myers, Judy Noe,
Dallas, TX

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

CIBC

Dallas

September 24,1997

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

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

3

New York

October 3, 1997

National City
Bancshares, Inc.,
Evansville, IN

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

3

St. Louis

October 3,1997

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




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

Norwest Corporation,
Minneapolis, MN

Int'l Bancorp, Golden
Valley, MN & Northern
Nat'l Bank, Int’l Falls, MN;
City Nat’l Bank of Cloquet,
Cloquet, MN & Northern
Nat’l Bank, Nisswa, MN &
Norwest Investment
Services, Inc., Minneapolis,
MN securities &
underwriting activites (b)(7)
& (b)(8)

3 and 4

Minneapolis

September 12,1997

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

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

4

Minneapolis

October 17, 1997

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

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

3

Chicago

August 15, 1997

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

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

3

Dallas

October 16, 1997

Olympian New York
Corporation, Brooklyn,
NY

Olympian Bank, Brooklyn,
NY

3

New York

October 9, 1997

Olympic Bancorp, Port
Orchard, WA

Kitsap Bank, Port Orchard,
WA

3

San Francisco

September 19,1997

One Valley Bancorp,
Inc., Charleston, WV

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

3

Richmond

October 9,1997




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

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

Peoples Bancorp, Inc.,
Marietta, OH

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

4

Cleveland

August 1,1997

Peoples Bancorporation,
Inc., Cuba, MO

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

3

S t Louis

October 17,1997

Peoples Commercial
Bancorp, Inc., Stilwell,
OK

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

3

Kansas City

September 26,1997

Peoples Community
Bancshares, Inc.,
Colquitt,
GA

Farmers Bank of Malone,
Malone, FL

3

Atlanta

August 11,1997

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

Elderton State Bank,
Elderton, PA

3

Cleveland

August 25, 1997

Plainview Holding
Company,
Pilger, NE

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

3

Kansas City

June 23,1997

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

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

3

Dallas

August 14, 1997




S c i no law
eto f

ReserveBank

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

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

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

CIBC

Kansas City

September 10,1997

Popular, Inc., Hato Rey,
Puerto Rico

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

3

New York

October 16,1997

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

Independent Bancshares,
Inc., Powder Springs, GA

CIBC

Atlanta

August 29, 1997

Proffitt, Richard Todd,
Pigeon Forge, TN

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

CIBC

Atlanta

August 5,1997

Progress Bancshares,
Inc., Sullivan, MO

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

3

St. Louis

August 8, 1997

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

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

3

Cleveland

July 24,1997

Rice Lake Bancorp,
Inc., Rice Lake, WI

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

3

Minneapolis

October 9,1997

Rockdale National
Bankshares, Conyers,
GA
CORRECTION

Rockdale National Bank,
Conyers, GA

3

Atlanta

August 22, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

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

Saehan Bancorp, Los
Angeles, CA

Saehan Bank, Los Angeles,
CA

3

San Francisco

September 19,1997

Shields, James Homer,
III, London, England

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

CIBC

St. Louis

September 24,1997

SIS Bancorp, Inc.,
Springfield, MA

Glastonbury Bank & Trust
Company, Glastonbury, CT

3

Boston

October 16,1997

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

AmeriBancShares, Inc.,
Wichita Falls, 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




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

Applicant or notiflcant

Acquiree or activity

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

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

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

Section o f law

Reserve B ank

End of comment period

CIBC

Kansas City

August 5, 1997

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

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

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

3

Dallas

September 26,1997

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

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

3

New York

August 18,1997

The 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, ND

3

Minneapolis

September 15,1997




A p i a torn t f c n
plcn
oilat

Acquireeora t v t
ciiy

Union Planters
Corporation, Memphis,
TN

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

3

St. Louis

October 3,1997

UST Corp. Boston, MA
CORRECTION

Firestone Financial Corp.,
Newton, MA in installment
loan and lease financing
activities to commercial
customer (bXl) & (bX3)

4

Boston

Septembers, 1997

UST Corp., Boston, MA

Firestone Financial Corp.,
Newton, MA in installment
loan & lease financing
activities to commercial
customers (bXl)&(bX3)

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

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

Wachovia Corporation,
Winston-Salem, NC

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

3 and 4

Richmond

September 26,1997

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

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

CIBC

St. Louis

September 26, 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

Young, David E.,
Chattanooga, TN

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

CIBC

Atlanta

July 22, 1997

Young, Susan Aileen,
Chicago, IL

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

CIBC

Kansas City

August 5,1997

Zions Bancorporation,
Salt Lake City, UT

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

3

San Francisco

September 22,1997

Zions Bancorporation,
Salt Lake City, UT

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

3

San Francisco

September 15, 1997




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

End o comment p r o
f
eid

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

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




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




H.2A
N t c ofFormations and Mergers o,and A q i i i n b ,Bank Holding
oie
f
custos y
Companies; Change i Bank Control
n
Notices Filed since the H.2A dated September 19,1997
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

Alabama National
BanCorporation,
Birmingham, AL

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

3

Atlanta

October 24,1997

Boston Private Bancorp,
Inc., Boston, MA

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

4

Boston

October 14,1997

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

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

CIBC

Kansas City

October 10, 1997

Builders Financial
Corporation, Chicago, IL

Builders Bank, Chicago, IL

3

Chicago

October 23, 1997




Section of law

Reserve Bank

End of comment period

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

Aq
c uiree o a t v t
r ciiy

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

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

3

St. Louis

October 24,1997

Community Bankshares,
Inc., Denver, CO

Dove Creek State Bank,
Dover Creek, CO

3

Kansas City

October 20, 1997

CSB Bancshares, Inc.,
Ellsworth, KS

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

3

Kansas City

October 23,1997

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

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

CIBC

Kansas City

October 15, 1997

Fischer Bancorp, Inc.,
Fischer, IL

Fisher National Bank,
Fisher, IL

3

Chicago

October 24,1997

Hazard, Charles
Michael, Boston, MA

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

CIBC

Boston

October 15, 1997

Hibernia Corporation,
New Orleans, LA

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

3

Atlanta

October 24,1997

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

Horizon Bank of Columbia
County, Magnolia, AR

3

St. Louis

October 20, 1997

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

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

4

Boston

October 10, 1997

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

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

4

Boston

October 10, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

National Commerce
Bancorporation,
Memphis, TN

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

4

St. Louis

October 10,1997

Penns Wood Bancorp,
Inc., Williamsport, PA

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

3

Philadelphia

October 20,1997

Preimer Bancorp, Inc.,
Doylestown, PA

Preimer Bank, Doylestown,
PA

3

Philadelphia

October 23, 1997

Riverside Gulf Coast
Banking Company,
Cape Coral, FL

Riverside Bank of the Gulf
Coast, Cape Coral, FL

3

Atlanta

October 24, 1997

Roseau Realty Co., Inc.,
Roseau, MN

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

3 and 4

Minneapolis

October 23,1997

Security State
Bancshares, Inc.,
Charleston, MO

Merchants and Planters
Bank of Homersville,
Homersville, MO

3

St. Louis

October 24,1997

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

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

CIBC

Chicago

October 1,1997

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

Southwest Bank, Fort
Worth, TX

3

Dallas

October 23,1997

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

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

3

Minneapolis

October 20,1997




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

Acquireeo a t v t
r ciiy

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

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

3

Atlanta

October 24,1997

Trustbank Financial
Corporation, Denver, CO

Trust Bank of Colorado,
Denver, CO

3

Kansas City

October 20,1997

U.S. Bancorp,
Minneapolis, MN

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

3 and 4

Minneapolis

October 24,1997

Warwick Community
Bancorp, Inc., Warwick,
NY

Warwick Savings Bank,
Warwick, NY

3

New York

October 24, 1997

Washington Bancorp,
Washington, IA

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

3 and 4

Chicago

October 23,1997

Winter-Park
Bancshares, Inc.,
Cameron, WI

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

3

Minneapolis

October 23, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

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




Information Requests
The public portions of the applications and notices currently listed in this release are available on an
expedited basis from the appropriate Federal Reserve Bank. The public portion 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 Y ork

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

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

Jim T;rlop (TEL: 216-579-2197; FAX: 216-579-2932)
Federal Reserve B ank of Richmond

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

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 o f 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 o f 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