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ANNOUNCEMENT

H.2, 1992, No. 39
f$jpt$pns of the Board, its Staff, and
03
Oct 13
IQ
BOARD OF GOVERNORS
the Federal Reserve Banks;
‘
(Applications and Reports Received
OF THE
FtDcRALUL
the Week Ending September 26, 1992
FEDERAL RESERVE SYSTEM
OF iDtt

hp
e

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

ENFORCEMENT
First State Bancorp, Howell, New Jersey — written
agreement dated September 16, 1992, with the
Federal Reserve Bank of New York.
Announced, September 21, 1992.
Ken - Caryl Investment Company, Littleton, Colorado
— written agreement dated September 10, 1992, with
the Federal Reserve Bank of Kansas City.
Announced, September 21, 1992.

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

Bank of America Nevada, Las Vegas, Nevada — to
establish a branch at 2224 South Nellis Boulevard.
Approved, September 21, 1992.

Chicago

Bank of Burlington, Burlington, Wisconsin — to
establish a branch at 249 North Milwaukee,
Waterford, Wisconsin.
Approved, September 25, 1992.

Atlanta

Barnett Bank of Highlands County, Sebring, Florida —
to establish a remote service terminal at Lakeshore
Mall, 901 U.S. 27 North.
Approved, September 25, 1992.

Richmond

Centura Bank, Rocky Mount, North Carolina —
establish four branches.
Approved, September 24, 1992.

Chicago

Cole Taylor Bank, Chicago, Illinois — to establish
offsite electronic facilities at 7500 South Pulaski
Road, 1145 West Wilson Avenue, and 1900 West Van
Buren.
Approved, September 22, 1992.




to

H.2

SEPTEMBER 21, 1992
PAGE 2

TO

SEPTEMBER 25, 1992

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

BANK BRANCHES, DOMESTIC
Richmond

First Virginia Bank, Falls Church, Virginia — to
establish a branch at 13360 Franklin Farm Road,
Herndon, Virginia.
Approved, September 25, 1992.

BANK HOLDING COMPANIES




Atlanta

ABC Bancorp, Moultrie, Georgia — to acquire Cairo
Banking Company, Cairo, Georgia.
Approved, September 25, 1992.

Cleveland

Banc One Corporation, Columbus, Ohio, and Banc One
Colorado Corporation — to acquire Affiliated
Bankshares of Colorado, Inc., Denver, Colorado, and
its subsidiaries, Intermountain Bankshares of
Colorado, Inc,; First Colorado Bankshares Insurance
Company; and Affiliated Bankshares Insurance
Agency, Inc.
Approved, September 21, 1992.

Chicago

BW3 Bancorporation, West Des Moines, Iowa — to
purchase certain assets and assume the deposit
liabilities of the Pocahontas, Iowa, office of
Midland Savings Bank, F.S.B., Des Moines, Iowa.
Approved, September 25, 1992.

Richmond

Centura Banks, Inc., Rocky Mount, North Carolina —
to acquire Orange Federal Savings and Loan
Association, Chapel Hill, North Carolina.
Approved, September 24, 1992.

Richmond

Centura Banks, Inc., Rocky Mount, North Carolina —
to acquire Orange Interim Bank, Chapel Hill, North
Carolina.
Approved, September 24, 1992.

Chicago

Coal City Corporation, Coal City, Illinois — to
acquire Manufacturers National Corporation,
Chicago, Illinois, and Manufacturers Bank.
Approved, September 25, 1992.

H.2

SEPTEMBER 21, 1992
PAGE 3

TO

SEPTEMBER 25, 1992

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

BANK HOLDING COMPANIES




Secretary

FirstBank Holding Company Employee Stock Ownership
Plan, Lakewood, Colorado — to increase its
ownership of FirstBank Holding Company of Colorado
Approved, September 25, 1992.

Chicago

Heartland Bancorp, Inc., El Paso, Illinois — to
acquire First National Bank and Trust Company in
Gibson City, Gibson City, Illinois.
Approved, September 23, 1992.

Cleveland

Mid Am, Inc., Bowling Green, Ohio — to merge The
Citizens Loan and Building Company, Lima, Ohio,
with The Farmers Banking Company, N.A., Lakeview,
Ohio.
Approved, September 25, 1992.

Minneapolis

Norwest Corporation, Minneapolis, Minnesota —
acquire Am-Can Investment, Inc., Moorhead,
Minnesota, and Moorhead State Bank.
Approved, September 23, 1992.

Minneapolis

Otto Bremer Foundation and Bremer Financial
Corporation, St. Paul, Minnesota — to engage in
general insurance activities through the
acquisition of certain assets of American States
Insurance Company, Minneapolis, Minnesota.
Approved, September 24, 1992.

Richmond

Signet Banking Corporation, Richmond, Virginia —
provide commodity trading advice and foreign
exchange services.
Approved, September 23, 1992.

Secretary

SouthTrust Corporation, Birmingham, Alabama, and
SouthTrust of South Carolina, Inc., Charleston,
South Carolina — to acquire Carolina Financial
Corporation and Home Federal Savings Bank with the
latter to merge with SouthTrust Bank of Charleston
N. .
A
Approved, September 22, 1992.

Dallas

Western Bancshares, Inc., Van Horn, Texas — to
acquire Coahoma State Bank, Coahoma, Texas.
Approved, September 23, 1992.

to

to

H. 2

SEPTEMBER 21, 1992
PAGE 4

TO

SEPTEMBER 25, 1992

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

BANK MERGERS
Kansas City

Belcaro Bank, Denver, Colorado ■ to merge with, and
—
convert into branches, Denver Tec Bank and The
Professional Bank, Englewood, Colorado.
Withdrawn, September 24, 1992.

Richmond

Centura Bank, Rocky Mount, North Carolina — to merge
with Orange Interim Bank, Chapel Hill, North
Carolina.
Approved, September 24, 1992.

BANK PREMISES
Richmond

Centura Bank, Rocky Mount, North Carolina —
investment bank premises.
Approved, September 24, 1992.

Chicago

Clear Lake Bank & Trust Company, Clear Lake, Iowa —
investment in bank premises.
Approved, September 23, 1992.

St. Louis

First Bank of Arkansas, Russellville, Arkansas —
investment in bank premises.
Approved, September 25, 1992.

Cleveland

Ohio Citizens Bank, Toledo, Ohio —
bank premises.
Approved, September 22, 1992.

Richmond

St. Michaels Bank, St. Michaels, Maryland —
investment in bank premises.
Approved, September 23, 1992.

Chicago

State Bank of Freeport, Freeport, Illinois —
investment in bank premises.
Approved, September 25, 1992.

investment in

BANKS * STATE MEMBER




New York

Chemical Bank, New York, New York — exemption from
reserve requirement for subordinated debt.
Withdrawn, September 21, 1992.

H.2

SEPTEMBER 21, 1992
PAGE 5

TO

SEPTEMBER 25, 1992

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

CHANGE IN BANK CONTROL
Kansas City

Charter Bancshares, Inc., Oklahoma City, Oklahoma —
change in bank control.
Permitted, September 25, 1992.

St. Louis

M&P Community Bancshares, Inc., Newport, Arkansas —
change in bank control.
Permitted, September 25, 1992.

COMPETITIVE FACTORS REPORTS




Chicago

Commerce Bank, National Association, Peoria,
Illinois, proposed merger with Amcore Bank National
Association, Pekin, Illinois — report on
competitive factors.
Submitted, September 24, 1992.

Dallas

Compass Bank, Richardson, Texas, proposed merger with
Conerstone Bank, National Association, Dallas,
Texas — report on competitive factors.
Submitted, September 21, 1992.

Dallas

First National Bank of Fabens, Fabens, Texas,
proposed merger with Bank of Ysleta, El Paso, Texas
— report on competitive factors.
Submitted, September 21, 1992.

Minneapolis

FirstWest Bank, Glendive, Montana, proposed merger
with Richey National Bank, Richey, Montana —
report on competitive factors.
Submitted, September 24, 1992.

Dallas

Jefferson State Bank, San Antonio, Texas, proposed
merger with Leon Valley Bank — report on
competitive factors.
Submitted, September 24, 1992.

Chicago

Liberty Bank & Trust, N.A., Fonda, Iowa, proposed
purchase of the assets and assumption of the
deposit liabilities of the Pocahontas, Iowa, office
of Midland Savings Bank, F.S.B., Des Moines,
Iowa — report on competitive factors.
Submitted, September 25, 1992.

H.2
SEPTEMBER 21, 1992
PAGE 6

TO

SEPTEMBER 25, 1992

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

COMPETITIVE FACTORS REPORTS
St. Louis

Union Planters National Bank, Memphis, Tennessee,
proposed purchase of certain assets and assumption
of certain liabilities of the Smyrna Branch of
Volunteer State Bank, Portland, Tennessee — report
on competitive factors.
Submitted, September 21, 1992.

EXTENSIONS OF TIME
St. Louis

First Banks, Inc., St. Louis, Missouri — extension
to December 12, 1992, for First Bank of Illinois,
0 TFallon, Illinois, to acquire certain assets and
assume certain liabilities of the Vandalia,
Illinois, branch of First Bank, A Savings Bank,
Clayton, Missouri.
Granted, September 24, 1992.

Atlanta

Villages Bancorporation, Inc., Lady Lake, Florida —
extension to January 2, 1993, to acquire First Bank
of the Villages.
Granted, September 22, 1992.

San Francisco

Wells Fargo & Company, San Francisco, California —
extensions to divest certain properties.
Granted, September 22, 1992.

RESERVE BANK OPERATIONS
Director, FRBO

Federal Reserve Bank of Philadelphia —
replacement project.
Approved, September 25, 1992.

roof

RESERVE BANK SERVICES




Director, FRBO

Federal Reserve Bank of St. Louis — to implement a
payor bank group sort at the Memphis Branch.
Approved, September 25, 1992.

H.2
SEPTEMBER 21, 1992
PAGE 7

ADDITIONS AND CORRECTIONS
TO

SEPTEMBER 25, 1992

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

BANK HOLDING COMPANIES




Chicago

Cole-Taylor Financial Group, Inc., Wheeling, West
Virginia — to acquire Centre Capital Funding
Corp. Evanston, Illinois.
,
Withdrawn, September 17, 1992.

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

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

Application

Comment Period Ending Date

Neil St. John Raymond,
Newspaper 09-23-92
d/b/a Candlewood Associates
- Change in Control
Federal Register Not Yet Established
Notification to acquire
up to 68.2% of the outstanding
common stock of First Ipswich
Bancorp, Ipswich, Massachusetts
SECTION III - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY

Application

Comment Period Ending Date

Fleet Financial Group,
Inc., Providence, Rhode
Island - 4 ( c ) (8) application
to engage in asset management
and Recovery Corporation, Boston,
Massachusetts

Federal Register

SECTION IV - APPLICATIONS NOT SUBJECT TO
FEDERAL REGISTER OR NEWSPAPER NOTICE
Application
NONE

♦Subject to CRA




10-08-92

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
♦♦Rating Definitions
"0" - Outstanding; "S" - Satisfactory;
- Needs to Improve;
SN" - Substantial Noncompliance.
Institution




Examination Date
NONE

Rating**

Federal Reserve Bank of New York
Comment Period
Ending Date

SECTION I
Applications Subject to Newspaper
___________ Notice Only___________
European American Bank, Uniondale, New York, to establish
a branch at 15 Southdown Road, Huntington, New York.l/
10/20/92
SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
KeyCorp, Albany, New York, Key Pacific Bancorp, Anchorage,
Alaska, and Key Bancshares of Washington, Inc., Seattle,
Washington ("Key Bancshares") to acquire all of the
outstanding common shares of Puget Sound Bancorp ("PSB"),
and its bank and nonbank subsidiaries, by the merger of
PSB with and into Key Bancshares.1/
10/9/92 2/
SECTION III
Nonbanking Applications
(Subject to Federal Register Notice Only)
Chemical Banking Corporation, New York, New York to engage
indirectly in asset management activities through The CIT
Group/Asset Management Inc., a wholly owned subsidiary of
The CIT Group Holdings, Inc., a joint venture with The
Dai-Ichi Kangyo Bank, Limited, Tokyo, Japan.
10/2/92
U.S. Trust Corporation, New York, New York, to engage
de novo through U.S. Trust Company of New Jersey, West
Windsor, New Jersey in activities that may be carried
on by a trust company, including activities of a
fudiciary, investment advisory, agency and custodial
nature.
SECTION IV
Applications Not Involving
______ Public Comment______
None.




10/23/92

SECTION V
A v a ila b ility o f CRA P u b lic E v a lu a tio n s
In connection with the assessment of each insured depository institution's
CRA performance, a rating is assigned from the following group:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and
is a leader in, ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of
ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record
of ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record
of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate- income neighbor­
hoods, in a manner consistent with its resources and capabilities.
Week Ending September 26. 1992
NAME OF BANK

RATING

EXAMINATION DATE

Peapack-Gladstone Bank
Main Street
Box 178
Gladstone, NJ 07934

Outstanding

April 13, 1992

Fleet Bank of New York
(Formerly Norstar Bank
of Upstate New York)
Peter D. Kiernan Plaza
Albany, NY 12207

Outstanding

December 16, 1991

1/

/
3/

2

4/

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




FEDERAL RESERVE BANK OF PHILADELPHIA
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
Comment Period Ending Date
Commonwealth Bank, Williamsport, PA intends 1/
to establish a branch office office
(loan servicing office) to be located at
Ferguson Square, 2790 West College Ave.,
State College, PA.
Expedited Procedure

10/14/92

Johnstown Bank & Trust Company. Johnstown, 1/
PA intends a establish a branch to be
located at 500 Industrial Park Road,
Johnstown, PA, pursuant to Section 9 of
the FRA. (Expedited Procedures.)

10/24/92

SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND
FEDERAL REGISTER NOTICE
Comment Period Ending Date
Meridian Bancorp. Inc.. Reading, PA requests 1/
approval to acquire 100% of Meridian Bank,
New Jersey, Cherry Hill, New Jersey
(in organization), pursuant to Section
3(a)(3) of the BHCA.
Newspaper comment period expires:
Fed. Reg. comment period expires:

10/21/92
10/23/92

SECTION III ~ APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
Comment Period Ending Date
CoreStates Financial Corp. Philadelphia, PA
to acquire 31.01% voting shares and 100% of
preferred stock of Electronic Payment
Services, Inc., Wilmington, DE
(in organization), in order to engage in data
processing activities, pursuant to
Section 225.25 (b)(7) of Reg.Y and
Section 4(c)(8) of the Bank Holding
Company Act.

N/A*

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

NONE.
1/ Subject to provisions of Community Reinvestment Act.
* N/A - not yet available.




FEDERAL RESERVE BANK OF PHILADELPHIA

SECT IOH 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 25, 1992.
Identification of Ratings
In connection with the assessment of each insured depository
performance, a rating is assigned from the following groups:

institution's

CRA

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

Federal Reserve Bank of Cleveland
Applications Bulletin
For Week Ending September 26, 1992
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
NONE
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
Received Section 3 ( a ) (1) application from
FC Banc Corp., Bucyrus, Ohio, on September
8, 1992, to acquire Farmers Citizens Bank,
Bucyrus, O h i o .

F: *October 9, 1992

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
Received Section 4 ( c ) (8) application by
Banc One Corporation, Columbus, Ohio; PNC
Financial Corp, Pittsburgh, Pennsylvania;
Society Corporation, Cleveland, Ohio; and
CoreStates Financial Corp, Philadelphia,
Pennsylvania, on September 21, 1992, to
acquire Electronic Payment Services, Inc.,
Philadelphia, Pennsylvania.

October 23, 1992

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
Received request from Security Dollar Bank,
Niles, Ohio, on September 21, 1992, for permission
to exceed its limit of investment in bank premises
permitted under Section 24A of the Federal Rserve Act.

*
N
F
#

-

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




F e d e ra l R eserve Bank o f Richmond
Section I - Applications Subject to Newspaper
Notice Only

Application

Comment Period Ending Date

Citizens Bank and Trust Company,
Blackstone, Virginia, to establish
a branch on U. S. Route 460 West,
Farmville, Virginia.*

10-23-92

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

Comment Period Ending Date

Southern National Corporation, Lumberton,
North Carolina, to acquire FedFirst
Bancshares, Inc., Winston-Salem, North
Carolina.*

10-15-92

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

City Holding Company, Charleston,
West Virginia, to engage de novo in
providing back-up data processing
services to nonaffiliated financial
institutions.**

10-9-92

Section IV - Applications Not Subject to
Federal Register Notice or Newspaper 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
Availability of CRA Public Evaluations
Week ending September 25, 1992

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

Examination
Date

Rating

7-13-92

Satisfactory

Farmers & Merchants Bank
P. 0. Drawer F
Timberville, Virginia 22853

7-13-92

Satisfactory

Hallmark Bank & Trust Company
6810 Commerce Street
Springfield, Virginia 22150

7-20-92

Satisfactory

Virginia Heartland Bank
4700 Harrison Road
Fredericksburg, Virginia




22404

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 25. 1992
Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Royal Trustco Limited
Toronto, Ontario, Canada
Along with Royal Trust Bank, Zurich,
Switzerland, to establish a representative
office in Seattle, Washington.

Not yet available*

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

Comment Period Ending Date

Pioneer Bankcorp
Clewiston, Florida
1-BHC formation, First Bank of
Clewiston, Clewiston, Florida.

Not yet available*

SunTrust Banks, Inc.
Atlanta, Georgia
Along with Trust Company of Georgia,
Atlanta, Georgia, to acquire HomeTrust
Bank of Georgia, Gainesville, Georgia.

Not yet available*

Swainsboro Bankshares, Inc.
Swainsboro, Georgia
An after-the-fact change in control by
Elmer Lamar Anderson to retain 1.36
percent of the outstanding shares of
common stock.
The acquisition increased
his total ownership to 10.85 percent.

Not yet available*

Guaranty Capital Corporation
Mamou, Louisiana
After-the-fact change in control notice
by Allen Bruce Guillory to acquire an
additional 1.15 percent of outstanding
shares of common stock.
The acquisition
increased his total ownership to 10.85
percent.

Not yet available*

♦Subject to Provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 25. 1992
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
First Community Bancorp, Inc.
Shelbyville, Tennessee
1-BHC formation, First Community Bank of
Bedford County, Shelbyville, Tennessee.

10-11-92*
Newspaper

Section 3 - Applications Subject to Federal
Register Notice Only
Application

Comment Period Ending Date

First Commerce Bancorp, Inc.
Commerce, Georgia
To engage de novo in data processing
activities, pursuant to Section
225.25(b)(7) of Regulation Y.

Not yet available

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 25. 1992
Section 10 - Availability of CRA Public Evaluations
The CRA public evaluations of the insured depository institutions
listed below became available during this week. Information about
an institution's CRA evaluation may be obtained directly from the
institution. In connection with the assessment of an institution's
CRA performance, a rating is assigned from the following groups:
Outstanding record of meeting community credit needs:
An
institution has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire
delineated
community,
including
lowand
moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.
Satisfactory record of meeting community credit needs:
An
institution has a satisfactory record of ascertaining and helping
to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs:
An
institution needs to improve its overall record of ascertaining and
helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs:
An
institution has a substantially deficient record of ascertaining
and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
Examination
Bank

Rating

First Southern Bank
Satisfactory
9955 West Glade Road
Boca Raton, Florida 33434
(404) 479-2100




Date
06-15-92

Federal Reserve Bank of Chicago
Section I - Applications Subject to Newspaper
Notice Only
Tvoe
Oakar

Mid-Citco Incorporated
Chicago, Illinois
First Western Federal Savings
Loan Association
Oklahoma City, Oklahoma*

Comment Period
Ending Date

Application

N

- 9-18-92

£

Oakar

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

N

- **

Branches

The Northern Trust Company
Chicago, Illinois
Anderson School, 1851 West Division
Chicago, Illinois
Von Humboldt School, 2620 West Hirsh
Chicago, Illinois
Pritzker School, 2009 West Schiller
Chicago, Illinois*

N

- 9-30-92

EFT

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

N

- 10-19-92

EFT

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

N

- 10-19-92

Branch

First of America Bank - Ann Arbor
Ann Arbor, Michigan
University of Michigan
530 S. State Street
Ann Arbor, Michigan*




N

9-24-92

Federal Reserve Bank of Chicago
Section II - Applications Subject to Both Newspaoei
Register Notice

and Federal
Comment Period
Ending Date

Type

Application

Y-2

Comerica Incorporated
Detroit, Michigan
Hibernia National Bank in Texas
Dallas, Texas*

FR - 9-14-92
N - 9-9-92

Y-l

BOI Financial Corp.
Normal, Illinois
The Bank of Illinois in Normal
Normal, Illinois*

FR - 9-14-92
N - 10-12-92

Y-l

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

FR - **
N - 9-22-92

CoC-HC

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

FR - 9-21-92
N - **

Y-2

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

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

Y-2

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

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

Y-l

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

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

Y-2

Heritage Financial Services, Inc.
Blue Island, Illinois
Alsip Bancorporation, Inc.
Alsip, Illinois
Alsip Bank and Trust
Alsip, Illinois*

FR _ 10-9-92
N - 10-9-92




Federal Reserve Bank of Chicago

Type

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

Y-2

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

Y-l

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

FR - 10-9-92

N

-

**

FR - 10-23-92
N

- **

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

Type

Application

4(c) (8)

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

FR - **

Y-4

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

FR - **

Y-4

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

FR - 10-23-92

4(c) (8)

Prairieland Bancorp, Inc.
FR - 10-2-92
Bushnell, Illinois
Dunteman and Co.
Bushnell, Illinois— engage in tax planning,
preparation and recordkeeping




Federal Reserve Bank of Chicago
Section IV
Type

-

Applications Not Subject to Federal Register or Newspaper
Notice
Application

None

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




AVAILABILITY OF CRA PUBLIC EVALUATIONS

The following state member banks have been examined by the Federal Reserve Bank
of Chicago for compliance with the CRA. The 30-business day period the bank has
to make the evaluation public has lapsed during the week ending September 25,
1992. If you are interested in obtaining a copy of the evaluation document,
please contact the bank(s) directly.
Identification of Ratings
O-An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
S-An institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
NI-An institution in this group needs to improve its overall record of ascer­
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
SN-An institution in this group has a substantially deficient record of ascer­
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
BANK NAME/LOCATION
-DeMotte State Bank
210 South Halleck Street
P.O. Box 400
DeMotte, Indiana
46310
(219) 987-4141




EXAMINATION DATE

6/01/92

RATINGS

S

Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING SEPTEMBER 25, 1992

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application

End of Comment Period

None.

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

End of Comment Period

* Section 3(a)(3) application by Liberty National
Bancorp, Inc. Louisville, Kentucky to acquire
,
Financial Dominion of Kentucky Corporation,
Radc1iff, Kentucky

Newspaper: 10-25-92

* Section 3(a)(1) application by LNB Acquisition
Corp, Louisville, Kentucky to acquire Financial
Dominion of Kentucky Corporation, Radcliff,
Kentucky

Newspaper: 10-25-92

* Section 3(a)(5) application by Trans Financial
Bancorp, Inc., Bowling Green, Kentucky to merge
with Dawson Springs Bancorp, Inc., Maysville,
Kentucky

Newspaper: 10-26-92

Change in control notification involving Clin-Ark
Bankshares, Inc., Clinton, Arkansas by the G.
Robert Garner Family Trust and the Elinor M. Garner
Family Trust

Newspaper: 10-6-92

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application

End of Comment Period

Section 4(c)(8) notification by The Farmers and
Merchants Bankshares, Inc., Stuttgart, Arkansas to
engage de novo. in performing appraisals of real
property

Not yet available




SECTION III (cont*<n
Section 4(c)(8) notification by National Commerce
Bancorporation, Memphis, Tennessee to engage de
novo. indirectly through National Commerce Finance
Company, Germantown, Tennessee in: making, acquiring
or servicing consumer loans; the sale of credit life,
disability and involuntary unemployment insurance in
connection with extensions of credit by this company;
and the sale of property insurance in accordance with
Section 225.25(b)(8)(ii) of Regulation Y
Not yet available
Section 4(c)(8) notification by CBT Corporation,
Paducah, Kentucky to engage de novo, indirectly
through Fidelity Credit Corporation, Paducah,
Kentucky, in the sale of property insurance in
accordance with Section 225.25(b)(8)(ii) of
Regulation Y
* Section 4(c)(8) application by Union Planters
Corporation, Memphis, Tennessee to acquire Security
Trust Federal Savings and Loan Association,
Knoxville, Tennessee

10-9-92

f
10-9-92

* Section 4(c)(8) application by Union Planters
Corporation, Memphis, Tennessee to acquire SaveTrust
Federal Savings Bank, Dyersburg, Tennessee
10-9-92

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

*

This application is subject to CRA.




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

AVAILABILITY OF CRA PUBLIC D1iSMESSL JRES
Identification o f Ratings:
O utstanding reco rd o f m eeting com m unity credit needs

A n institution in this group has an outstanding record of, and is a leader in, ascertaining and helping
to m eet the credit needs o f its entire delineated com m unity, including lo w - and m oderate-incom e
neighborhoods, in a m anner consistent w ith its resources and capabilities.
Satisfactory reco rd o f m eeting com m unity credit needs

A n institution in this group has a satisfactory record o f ascertaining and helping to m eet the credit
needs o f its entire delineated community, including low - and moderate- incom e neighborhoods, in a
manner consistent w ith its resources and capabilities.
Needs to im prove reco rd o f m eeting com m unity credit needs

A n institution in this group needs to im prove its overall record o f ascertaining and helping to m eet
the credit needs o f its entire delineated comm unity, including low - and m oderate-incom e
neighborhoods, in a m anner consistent w ith its resources and capabilities.
S ubstantial noncom pliance in m eeting com m unity credit needs

A n institution in this group has a substantially deficient record o f ascertaining and helping to meet
the credit needs o f its entire delineated com m unity, including low - and m oderate-incom e
neighborhoods, in a m anner consistent with its resources and capabilities.

FOR THE WEEK ENDING

Name of Bank

None




September 25, 1992

Bank Address

Examination
Date

Examination
Rating

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

Application
None.

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

Comment Period
Ending Date

Norwest Corporation
Minneapolis, MN
To acquire 100% of the voting shares
of Rocky Mountain Bankshares, I n c .,
Golden Valley, MN, through merger with
Norwest Colorado, Inc.*

10-9-92
(Federal Register)

Frandsen Financial Corporation
Forest Lake, MN
To acquire 100% of Citizens Bank of East
Grand Forks, East Grand Forks, MN; 100%
of First State Bank of Ada, Ada, MN; 100%
of Nimrod Enterprises, Inc. Foley, MN, a
one-bank holding company owning the State
Bank of Foley, Foley, MN; and 100% of The
Gilmanton Co., Gilman, MN, a one-bank
holding company owning the First State
Bank, Gilman, MN*

10-16-92
(Federal Register)

Norwest Corporation
M p l s , MN
To acquire, via merger, Merchants
& Miners Bancshares, Inc., Hibbing,
MN, a one-bank holding company
owning the Merchants & Miners State
Bank, Hibbing, MN*

Not yet available

Minnesota Banc Holding Company
Plymouth, MN
To acquire 100% of Citizens State
Bank of Montgomery, Montgomery, MN*

10-23-92
(Federal Register)

♦Subject to CRA




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

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

Not yet available

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

Not yet available

Norwest Corporation
Mpls, MN
To acquire 100% of the Lincoln Financial
Corporation, Fort Wayne, IN*

Not yet available

John Schmid
To increase his ownership interest from
23.9% to 33.2% of Grant County Bancorporation,
Inc., Carson, ND

Not yet available

Section III - Applications Subject
to Federal Register Notice Only
Application

Comment Period
Ending Date

Norwest Corporation
Not yet available
Mpls, MN
To engage in 1) general insurance agency
activities through the acquisition of Shipshewana
Insurance Agency, LaGrange, IN; 2) underwriting,
as insurer and reinsurer, of credit life, accident
and health insurance through the acquisition of Midwest
Credit Life Insurance Company, Fort Wayne, IN; 3)
mortgage banking activities through the acquisition
of the mortgage servicing business presently conducted
by the subsidiary banks of Lincoln Financial Corporation,
Fort Wayne, IN; and 4) securities brokerage activities
through the acquisition of the discount brokerage business
operated by Lincoln National Bank and Trust Company of Fort
Wayne, Fort Wayne, IN
*Subj ect to CRA




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




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending September 25, 1992
ASSIGNMENT OF RATING
Identification of Ratings
In connection with the assessment of each insured depository
institution's CRA performance, a rating is assigned from the
foilowing groups:
OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has an outstanding record of,
and is a leader in, ascertaining and helping to meet the
credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a satisfactory record of
ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderateincome 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.
B A N K (S ) EXAMINED

DATE OF EXAMINATION

CRA RATING

The Applications Bulletin for the week ending September 18, 1992,
should have included the following:
Root River State Bank
18 Third Street
P. 0. Box 517
Chatfield, MN 55923
(507) 867-4120




June 22, 1992

Satisfactory

Federal Reserve Bank of Kansas City

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

Century Bank Sterling, Sterling,
Colorado, for prior approval to
establish a de novo branch at 530
Main Street, Fort Morgan, Colorado.*

Not Available

The Citizens National Bank & Trust
Company, Torrington, Wyoming, for
prior approval for membership in the
Federal Reserve System.

Not Available

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

COMMENT PERIOD ENDING DATE

CNB Financial Corporation, Kansas
City, Kansas, for prior approval to
acquire 14.11 percent of the voting
shares of Security State Bank of Fort
Scott, Fort Scott, Kansas.*

Not Available

Fourth Financial Corporation,
Wichita, Kansas, for prior approval
to acquire 100 percent of the voting
shares of The Fourth National Bank of
Tulsa, Tulsa, Oklahoma, through a
merger with its parent, Fourth
National Corporation, Tulsa,
Oklahoma.*

Not Available

United Missouri Bancshares, Inc.,
Kansas City, Missouri, for prior
approval to acquire 100 percent of
the voting shares of Overland Park
Bancshares, Inc., Overland Park,
Kansas.*

Not Available

United Missouri Bancshares, Inc.,
Kansas City, Missouri, for prior
approval to increase its ownership of
the voting shares of CNB Financial
Corporation, Kansas City, Missouri,
to 9.81 percent.*

Not Available




Federal Reserve Bank of Kansas City

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
ONLY
APPLICATION
Fourth Financial Corporation,
Wichita, Kansas, for prior approval
to acquire Fourth National
Corporation's three nonbanking
subsidiaries, Fourth Mortgage &
Investment Company, Fourth Investment
Advisors, Inc., and Roe & Cochran,
Inc., all located in Tulsa, Oklahoma.

COMMENT PERIOD ENDING DATE
Not Available

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
APPLICATION
Greeley Bancshares, Inc., Greeley,
Kansas, for prior approval to redeem
2,943 shares of its own voting common
stock.

Not Available

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




Federal Reserve Bank of Kansas City

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

Exam Date

Union State Bank
P.0. Box 518
Clay Center, Kansas

CRA Public
Date

CRA
Rating

6-22-92

9-23-92

Outstanding

First State Bank & Trust
116 West 6th
Larned, Kansas
67550-3044

7-06-92

9-23-92

Satisfactory

Citizens Bank
P.O. Box 888
Lawton, Oklahoma

6-29-92

9-24-92

Outstanding

67432-0518

73502-0888

*Application is subject to CRA




FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN

APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF SEPTEMBER 21, 1992

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
APPLICATION

NOTICE EXP

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

** NOTICE EXP

Change in Control Notice by
Garland Max Poynor, Jacksboro, TX, to acquire an
interest in First Jacksboro Bancshares, Inc., Jacksboro, TX
♦Section 3(a)(3) application by
American Capital Corporation, Katy, TX, to acquire
Gulf Coast Bancshares, Inc., Alvin, TX, and First
National Bank of Alvin, Alvin, TX

N/A

92/10/19

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY
APPLICATION

NOTICE EXP

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

* SUBJECT TO CRA.
** EXPIRATION DATE IS THE DATE SPECIFIED IN THE NEWSPAPER NOTICE ONLY
N/A - NOT AVAILABLE AT THIS TIME.




SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
FOR THE WEEK OF SEPTEMBER 21. 1992

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

Bank

Date of
Examination

Bank of Van Zandt
P. 0. Box 929
401 E. Hwy. 243
Canton, TX 75103

92/06/22




CRA Rating

Satisfactory

FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 9/25/92
Section I - Applications Subject to Newspaper Notice Only
Comment Period Ending Date

Application
None

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

Comment Period Ending Date

Chang Hwi Kim, Palos Verdes, California, to
retroactively acquire 10.98 percent of
California Center Bank, Los Angeles,
California.

Newspaper:

Not available

Fed. Rea.:

10/19/92

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

Newspaper:

Not available

Fed. Rea.:

10/16/92

Section III - Applications Subject to Federal Register Notice Only
Application

Comment Period Ending Date

Grupo Financiero Bacomer S.A. de C.V.,
Bancomer, S.A., Bancomer Holding Company
(Antilles) N.V., Bancomer Holding Company
(Netherlands) B.V., and Bancomer Holding
Company, to engage de novo in receiving money
for transmission abroad, buying and selling
foreign currency, check cashing and issuing and
selling U.S. and foreign currency money orders
with a face value of $1,000 or less through
Bancomer Transfer Services, Inc., Los Angeles,
California.

Fed. Reg.: Not yet published

Redwood Empire Bancorp, Santa Rosa, California,
to acquire Lake Savings and Loan Association,
Lakeport, California, which will be merged
into Allied Savings Bank, F.S.B., Santa Rosa,
California.

Fed. Reg.:

The Sakura Bank, Limited, Tokyo, Japan, to
Fed. Reg.:
engage in futures commission merchant activities
and to provide investment advice and options
on futures throught the acquisition of 60 percent
of Dellsher Investment Company, Inc., Chicago,
Illinois.*

* Subject to CRA




10/23/92

Not available

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

Weok ending 9/25/92
Section IV - Applications Not Subject to Federal Register Notice
or Newspaper Notice
None

Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during
the week ending September 25, 1992.
Information about a particular
institution’s CRA evaluation may be obtained directly from the institution.
Institution

Location

The Vintage Bank

1500 Soscol Avenue
Napa, CA 94558-9959
Tel:
(707) 257-8585 *

Examination Date
6/15/92

Rating*
Satisfactory

* Under the rating system an institution’s CRA performance is assigned one of
the following four ratings:
Outstanding record of meeting community credit needs: An institution has an
outstanding record of, and is a leader in, ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
Satisfactory record of meeting community credit needs: An institution has a
satisfactory record of ascertaining and meeting the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs: An institution
needs to improve its overall record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- to moderateincome neighborhoods, in a manner consistent with its resources and
capabilities.
Substantial noncomoliance in meeting community credit needs: An institution
has a substantially deficient record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- to moderateincome neighborhoods, in a manner consistent with its resources and
capabilities.




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