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Federal Reserve R elease
H.2

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

No. 39

Week Ending September 27,1997

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




N o. 39

ACTIONS TAKEN BY THE BOARD OF GOVERNORS
EXTENSIONS OF TIME
Regulation M —extension to January 1, 1998, of the effective date of recent
amendments to improve consumers' understanding of automobile and other lease
transactions.
- Granted, September 25, 1997
REGULATIONS AND POLICIES




Basle Committee on Banking Supervision - release of a paper containing a set of
Principles for the Management of Interest Rate Risk.
- Published, September 22,1997
Investment and End-user Activities policy statement —guidance and request for
public comment on joint statement by the FFIEC and the Board.
- Approved, September 26,1997

Additions/Corrections

H .2

ACTIONS TAKEN BY THE BOARD OF GOVERNORS
REGULATIONS AND POLICIES




Compliance with the National Flood Insurance Program —report to the Congress.
- Approved, September 18,1997
Risk-focused supervision program and extension of the examination frequency
schedule for state member banks and certain foreign banking organizations —
proposal to adopt.
- Approved, September 18,1997

H.2
September 2 , 1997 t September 2 , 1997
1
o
7
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; RJBOPS - Reserve Bank Operations and Payment
Systems; IF - International Finance; OSDM - Office of Staff Director for Management

BANK BRANCHES, DOMESTIC
New York
Marine Midland Bank, Buffalo, New York - to establish a branch at 5515 8th
Avenue, Brooklyn, New York.
- Approved, September 26,1997
Minneapolis
Ronan State Bank, Ronan, Montana —to establish a branch in Poison, Montana.
- Approved, September 22,1997
Atlanta
Terrace Bank of Florida, Tampa, Florida —to establish a branch at 19400 Bruce B.
Downs Boulevard.
- Approved, September 22,1997
St. Louis
Union Bank of Illinois, Swansea, Illinois -- to establish a branch at 2200 Troy Road,
Edwardsville, Illinois.
- Approved, September 25, 1997
BANK HOLDING COMPANIES
Minneapolis
Anderson Financial Group, Inc., Golden Valley, Minnesota —to acquire Northern
National Bank, Nisswa, Minnesota.
- Approved, September 23,1997
Richmond
Bank of Granite Corporation, Granite Falls, North Carolina —to acquire GLL
Associates, Inc., Winston-Salem, North Carolina.
- Approved, September 22,1997
Director, BS&R
Broad National Bancorporation, Newark, New Jersey —relief from commitment in
connection with application to acquire Broad National Bank.
- Granted, September 22,1997




H.2
September 21,1997 t September 2 , 1997
o
7

Page 2

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Secretary
First Bank Holding Company of Colorado, Lakewood, Colorado, and FirstBank
Holding Company of Colorado Employee Stock Ownership Plan —to acquire
FirstBank of Parker, Parker, Colorado.
- Approved, September 26,1997
General Counsel
First Commerce Corporation, New Orleans, Louisiana —exemption under the
Board's Regulation L to permit Norman Francis, a director of Liberty Bank of New
Orleans, to become a director of First Commerce.
- Granted, September 26,1997
St. Louis
First Commercial Corporation, Little Rock, Arkansas —to acquire First Charter
Bancshares, Inc., North Little Rock, Arkansas.
- Approved, September 26,1997
Dallas
First Financial Bankshares, Inc., Abilene, Texas -- to acquire Southlake Bancshares,
Inc., Southlake, Texas.
- Approved, September 24,1997
Dallas
First National Bank of Huntsville, Huntsville, Texas -- request for waiver of
application to acquire Crockett Bancshares, Inc., Crockett, Texas, and Crockett State
Bank.
- Granted, September 26,1997
Dallas
Hawkins Delaware Financial Corporation, Wilmington, Delaware —to acquire The
First State Bank of Hawkins, Hawkins, Texas.
- Approved, September 26,1997
Minneapolis
International Bancorporation, Golden Valley, Minnesota —to acquire Northern
National Bank, Nisswa, Minnesota.
- Approved, September 23,1997




H.2
September 21,1997 t September 2 , 1997
o
7

Page 3

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Atlanta
Landmark Bancorp, Inc., Margate, Florida —to acquire Sunniland Bank, Fort
Lauderdale, Florida.
- Approved, September 24,1997
New York
North Fork Bancorporation, Inc., Melville, New York -- to acquire Branford Savings
Bank, Branford, New York.
- Approved, September 25,1997
San Francisco
Olympic Bancorp, Inc., Port Orchard, Washington —to acquire Kitsap Bank.
- Approved, September 25,1997
Atlanta
Rockdale National Bankshares, Inc., Conyers, Georgia - to acquire Rockdale
National Bank.
- Approved, September 22,1997
San Francisco
Saehan Bancorp, Los Angeles, California -- to acquire Saehan Bank.
- Approved, September 24,1997
New York
Suez Lyonnaise des Eaux, Paris, France; Societe Generale de Belgique, Brussels,
Belgium; and Generale de Banque —to acquire Harbor Capital Management, Inc.,
Boston, Massachusetts, and engage in investment advisory activities, investment
transactions as principal, and providing management and private placement services.
- Permitted, September 26,1997
Chicago
Verona Bancshares Limited, Verona, Wisconsin -- to acquire Bank of Verona.
- Returned, September 25,1997
San Francisco
Zions Bancorporation, Salt Lake City, Utah, and Val Cor Bancorporation, Inc.,
Cortez, Colorado -- request for waiver of application to acquire Sky Valley Bank
Corp., Altamosa, California.
- Granted, September 23,1997




H.2
September 21,1997 t September 27,1997
o

Page 4

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
BANK MERGERS
Richmond
First Virginia Bank-Clinch Valley, Richlands, Virginia - to merge with Premier
Bank, National Association, Tazewell, Virginia.
- Approved, September 23,1997
Richmond
First Virginia Bank-Mountain Empire, Damascus, Virginia —to merge with Premier
Bank-Central, N.A., Honaker, Virginia.
- Approved, September 23,1997
BANKS, STATE MEMBER
Atlanta
Amtrade International Bank of Georgia, Atlanta, Georgia — request for waiver to
make payment of a dividend.
- Granted, September 24,1997
San Francisco
Eldorado Bank, Tustin, California -- payment of a dividend.
- Approved, September 25,1997
CHANGE IN BANK CONTROL
Atlanta
East Ridge Bancshares, Inc., Chattanooga, Tennessee —change in bank control.
- Permitted, September 26,1997
COMPETITIVE FACTORS REPORTS
Richmond
Adams National Bank, Washington, D.C. —report on competitive factors of the
proposed merger with The Bank of Northern Virginia, Arlington, Virginia.
- Submitted, September 22,1997
Cleveland
Bank of Maysville, Maysville, Kentucky - report on competitive factors of the
proposed purchase of die assets and assumption of the liabilities of the Maysville,
Kentucky, branch of Fifth Third Bank of Kentucky, Inc., Louisville, Kentucky.
- Submitted, September 26,1997




H.2
September 21,1997 to September 27, 1997

Page 5

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
San Francisco
Bank of Yorba Linda, Yorba Linda, California - report on competitive factors of the
proposed merger with B YL Merger Corporation.
- Submitted, September 22,1997
Dallas
First Bank of Deer Park, Deer Park, Texas - report on competitive factors of the
proposed merger with Bayshore Acquisition Corporation, La Porte, Texas.
- Submitted, September 22,1997
Richmond
First National Bank and Trust Company, Asheboro, North Carolina —report on
competitive factors of the proposed merger with Home Savings Bank of Siler City,
Inc., SSB, Siler City, North Carolina.
- Submitted, September 22, 1997
Secretary
First National Bank of Northern California, Daly City, California -- report on
competitive factors of the proposed acquisition of assets and assumption of liabilities
of the Pescadero, branch of Bank of America National Trust & Savings Association,
San Francisco, California.
- Submitted, September 25,1997
Cleveland
First National Bank of Sycamore, Sycamore, Ohio —report on competitive factors of
the proposed acquisition of certain assets and assumption of certain liabilities of the
New Riegel, Ohio, branch of the Fifth Third Bank of Northwestern Ohio, N.A.,
Toledo, Ohio.
- Submitted, September 24,1997
Secretary
First Security Bank of Wyoming, Rock Springs, Wyoming -- report on competitive
factors of the proposed merger with First Security Bank, N.A., Ogden, Utah.
- Submitted, September 26,1997
San Francisco
Girard Savings Bank, F.S.B., Beverly Hills, California —report on competitive
factors of the proposed merger with First Bank of Beverly Hills, F.S.B.
- Submitted, September 23,1997




H.2
September 21,1997 to September 27,1997

Page 6

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
St. Louis
Mercantile Bank of North Central Missouri, Macon, Missouri -- report on
competitive factors of the proposed purchase of assets and assumption of the
liabilities of eight branches of Roosevelt Bank, Chesterfield, Missouri.
- Submitted, September 23, 1997
St. Louis
Mercantile Bank of Western Missouri, Joplin, Missouri —report on competitive
factors of the proposed purchase of the assets and assumption of the liabilities of
four branches of Roosevelt Bank, Chesterfield, Missouri.
- Submitted, September 23,1997
Cleveland
Mercantile Savings Bank, Cincinnati, Ohio —report on competitive factors of the
proposed merger with The Mercantile Interim Savings Bank.
- Submitted, September 26,1997
Minneapolis
New Cherokee State Bank, St. Paul, Minnesota -- report on competitive factors of
the proposed merger with Cherokee State Bank of St. Paul.
- Submitted, September 24,1997
Minneapolis
New Home State Bank, Kandiyohi, Minnesota —report on competitive factors of the
proposed merger with Home State Bank.
- Approved, September 22,1997
New York
North Fork Bancorporation, Inc., Melville, New York -- report on competitive
factors of the merger of the yet-to-be formed Interim Connecticut Savings Bank with
Branford Savings Bank, Branford, Connecticut.
- Submitted, September 25,1997
Minneapolis
Norwest Bank Montana, National Association, Billings, Montana —report on
competitive factors of the proposed purchase of the assets and assumption of the
liabilities of two branches of American Bank.
- Submitted, September 24,1997




H.2
September 21, 1997 to September 27, 1997

Page 7

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Cleveland
Ohio Central, Dublin, Ohio —report on competitive factors of the proposed merger
with the Ohio Central Federal Credit Union.
- Submitted, September 26,1997
St. Louis
Peoples Bank and Trust Company, Mountain Home, Arkansas -- report on
competitive factors of the proposed purchase of certain assets and assumption of
certain liabilities of the Bull Shoals, branch of NationsBank, N.A., Charlotte, North
Carolina.
- Submitted, September 24,1997
Cleveland
PNC Bank, N.A., Pittsburgh, Pennsylvania -- report on competitive factors of the
proposed merger with PNC Bank, New York, N.A., Warren, Pennsylvania.
- Submitted, September 24,1997
Cleveland
PNC Bank, N.A., Pittsburgh, Pennsylvania -- report on competitive factors of the
proposed merger with PNC Mortgage Bank, N.A.
- Submitted, September 26,1997
Cleveland
PNC Bank, Ohio, N.A., Cincinnati, Ohio, PNC Bank, Kentucky, N.A., Louisville,
Kentucky, and PNC Bank, Indiana, Inc., New Albany, Indiana —report on
competitive factors of the proposed merger with PNC Bank, N.A., Pittsburgh,
Pennsylvania.
- Submitted, September 26,1997
Philadelphia
Quakertown National Bank, Quakertown, Pennsylvania —report on competitive
factors of the proposed purchase of assets and assumption of liabilities of the
Quakertown branch of First Lehigh Bank, Walnutport, Pennsylvania.
- Submitted, September 22,1997
Atlanta
Sabina Bank, Sabina, Ohio —report on competitive factors of the proposed merger
with PFBI Interim Bank, Portsmouth, Ohio.
- Submitted, September 26,1997




H.2
September 21,1997 to September 27, 1997

Page 8

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
EXTENSIONS OF TIME
Richmond
Bank of Mecklenburg, Charlotte, North Carolina —extension to November 2,1997,
to become a member of the Federal Reserve System.
- Granted, September 25,1997
Cleveland
Cortland Savings and Banking Company, Cortland, Ohio -- extension to October 24,
1998, to establish a branch at the intersection of Routes 44 and 82, Mantua, Ohio.
- Granted, September 24,1997
Atlanta
East Coast Bank Employee Stock Ownership Plan Trust, Ormond Beach, Florida —
to acquire shares of East Coast Bank Corporation.
- Approved, September 24,1997
San Francisco
GB Bancorporation, San Diego, California —extension to December 18,1997, to
acquire shares of Pacific Commerce Bank, Chula Vista, and Rancho Vista National
Bank, Vista, California.
- Granted, September 22,1997
Philadelphia
Pennsylvania State Bank, Camp Hill, Pennsylvania extension to October 15,
1998, to establish a branch at lots 4 and 5 of the Subdivision Plan of AMP, Inc.
Cumberland Parkway, Mechanicsburg, Pennsylvania.
- Granted, September 24,1997




H.2

Additions/Corrections

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
BANK BRANCHES, DOMESTIC
New York
Summit Bank, Hackensack, New Jersey -- to establish a branch at the Pathmark
Supermarkets at 489 East 30th Street, Paterson; Plaza 46, Route West, West
Paterson; and at the Shop Rite Supermarkets at Route 45 and Parkville Station Road,
West Depford; and at 1224 Blackwook-Clementon Road, Clementon, New Jersey.
- Approved, September 19,1997
BANK HOLDING COMPANIES
Chicago
First of America Bank Corporation, Kalamazoo, Michigan —to enter into a limited
partnership agreement with SunAmerica Affordable Housing Partners, Carson City,
Nevada.
- Permitted, September 11,1997
Cleveland
F.N.B. Corporation, Hermitage, Pennsylvania -- to acquire Indian Rocks State Bank,
Largo, Florida.
- Approved, September 5,1997
MEMBERSHIP
Chicago
American Midwest Bank & Trust, Melrose, Park, Illinois —to withdraw from
membership in the Federal Reserve System.
- Approved, September 12,1997
San Francisco
Bank o f Commerce, San Diego, California —to become a member of the Federal
Reserve System.
- Approved, September 1,1997




FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

Application

SECTION I - APPLICATIONS S U B JE C T TO
NEWSPAPER NOTICE ONLY
Comment Period Ending Date
NONE
SECTION II - APPLICATIONS S U B JE C T T O BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE

Application
Boston Private Bancorp,
Inc., Boston,
Massachusetts - notice
of Change in Bank
Control pursuant to
section 225.41 of
Regulation Y by Charles
Michael Hazard to
acquire greater than 10%
of the outstanding
common stock of Boston
Private Bancorp,Inc.*

Comment Period Ending Date
Newspaper

Not Yet Established

Federal Register

10/14/97

SECTION III - APPLICATIONS S U B JE C T TO
FEDERAL REGISTER NOTICE ONLY
Application

Comment Period Ending Date
NONE
SECTION IV - APPLICATIONS N O T S U B JE C T TO
FEDERAL REGISTER OR NEWSPAPER NOTICE

Application
NONE
SECTION V ■AVAILABILITY OF CRA PUBLIC EVALUATIONS
Institution

Examination Date

Rating**

NONE
SECTION VI ■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; "N" - Needs to
Improve; ”SN" - Substantial Noncompliance




FEDERAL RESERVE BANK OF NEW YORK
Comment Period
Ending Date
SECTION I
Applications Subject to Newspaper
_____ Notice Only_____
None.

SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice

Popular, Inc., Hato Rey, Puerto Rico, Popular International Bank, Inc.,
Hato Rey, Puerto Rico, and Popular North America, Wilmington, Delaware,
to merge with Houston Bancorporation, Inc., Houston, Texas("HBI"),
and thereby indirectly acquire HBI's subsidiary, Citizens National Bank,
Houston, Texas.
10/16/97 2/
Warwick Community Bancorp, Inc., Warwick, New York, to acquire
100 percent of the shares of common stock of The Warwick Savings Bank,
Warwick, New York, a New York stock savings bank and the proposed
successor to The Warwick Savings Bank, a New York mutual savings
bank.
SECTION m
Nonbanking Applications
(subject to Federal Register Notice O nly)
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.




10/24/97 2/

Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated
community, including low- and moderate- income neighborhoods,
in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record
of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate income
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate- income
neighborhoods, in a manner consistent with its resources and capabilities.
Week Ending September 27.1997
NAME OF BANK

RATING

None

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

FEDERAL RESERVE BANK OF PHILADELPHIA

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

N/Avail.

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

N/Avail.

SECTION IT - 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:
10/11/97
Federal Register comment period expires: N/Avail.
Premier Bancorp. Inc.. Doylestown, PA to become a bank hold company, through the
acquisition of the successor Premier Bank, Doylestown, PA, and merge the existing
subsidiary, Premier Interim Bank into Premier Bank, pursuant to Section 3(a)(1) of the Bank
Holding Company Act, and Section 18(c) of the Federal Deposit Insurance Act. In connection
therewith, Messrs. Clark S. Frame and David C. Frame will acquire more than 10 percent of
the applicant, pursuant to the Change in Bank Control Act.
Newspaper comment period expires:
10/23/97
Federal Register comment period expires: 10/23/97
SECTION m - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL
REGISTER.NOTICE_ONLY
NONE
SECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL
REGISTER NOTICE OR NEWSPAPER
NONE




FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
The following institutions were examined for CRA. The 30-business day period the bank has
to make the evaluation public has lapsed during the week ending September 26, 1997.
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in, ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Bank/Location

Examination Date

CRA Rating

First Sterling Bank
80 West Lancaster Avenue
Devon, PA 19333

4/21/97

Satisfactory

Berks County Bank
400 Washington Street
Reading, PA 19601

4/21/97

Satisfactory




District
Federal Reserve Bank of Cleveland
Applications and notifications filed during the week ending 9/27/97

Section I - Applications subject to newspaper notice only
Type

Application

Ending date o f
comment period

NONE
Footnotes

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

Application

Ending date o f
comment period

NONE
Footnotes

Section III - Applications subject to Federal Register notice only
Type

Application

Ending date o f
comment period

NONE
Footnotes

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

Application
NONE

Footnotes




Ending date o f
comment period

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

Description o f the CRA Goal against which institutions are evaluated, the four performance levels, and the
institutions for which an evaluation is publicly available.

The CRA requires a periodic evaluation of each covered institution regarding the extent to which it has
ascertained, and helped meet, the credit needs of 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
number

213912

Footnotes




Institution/ Location
The Apple Creek Banking Company
3 West Moan Street
P.O.Box 237
Apple Creek, OH 44606-0237

Examination
date

CRA
public date

CRA
rating

7/21/97

9/23/97

Outstanding

Section V I - C R A examinations scheduled fo r Fourth Q u a rte r o f 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 of 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 Metamora State Bank

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

The Minster 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

y p t ie e ., Onl y

Comment Period Ending Pate

Application
Bank of Hampton Roads, Chesapeake,
Virginia, to establish a branch at
4500 East Princess Anne Road, Norfolk
Virginia.*

10-13-97

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

Comment Period Ending Date

None.

Section III - Applications Subject to Federal RegisterNotice

Comment Period-Ending Pete

Application
None.

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

♦Application is subject to CRA requirements.



Federal Reserve Bank o£ Richmond
Section V - Availability of CRA, Public Evaluations
Week ending September 26, 1997

Definition of Ratings
Outstanding record o£ 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 o£ 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




Examination

H a. of Bank
am

____Qa&s___

Rating

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 26.1997
Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period EndingDate

Alabama Exchange Bank
11 -06-97*
Tuskegee, Alabama
To acquire the assets and assume the liabilities of a branch of First National Bank, Ashland,
Alabama, located at 103 S. Elm Street, Tuskegee, Alabama, pursuant to Section 18(c) of the Federal
Deposit Insurance Act.
AmSouthBank
10-19-97*
Birmingham, Alabama
To establish a branch office located at 2020 Fieldstone Parkway, Franklin, Tennessee, pursuant to
Section 9 of the Federal Reserve Act.
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period EndingDate

Alabama National BanCorporation
10-25-97*
Birmingham, Alabama
Newspaper
To merge with First American Bancorp, Decatur, Alabama, and thereby directly acquire First
American Bank, Decatur, Alabama, pursuant to Section 3(a)(5) of the Bank Holding Company Act.
Riverside Gulf Coast Banking Company
Not yet available*
Cape Coral, Florida
1-BHC formation, Riverside Bank of the Gulf Coast, Cape Coral, Florida, pursuant to Section
3(a)(1) of the Bank Holding Company Act.
Community Bankshares, Inc.
Not yet available*
Cornelia, Georgia
After-the-fact change in control notice by Mr. J. Alton Wingate to retain 31.17 percent of the
outstanding shares of Community Bankshares, Inc., Cornelia, Georgia, pursuant to the Change in
Bank Control Act of 1978.
Habersham Bancorp
Not yet available*
Cornelia, Georgia
Change in control notice by the Arrendale Undiversified Family Limited Partnership, Baldwin,
Georgia; its general partners, Mr. Thomas A. Arrendale, III and Ms. Cynthia Bussey; and
Mr. Thomas A. Arrendale, Jr.; Mr. Thomas Arrendale, III; and Ms. Bussey in their individual
capacities to collectively acquire 27.88 percent of the outstanding shares of Habersham Bancorp,
Cornelia, Georgia, pursuant to the Change in Bank Control Act of 1978.
♦Subject to the provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 26. 1997
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

Hibernia Corporation
10-24-97*
New Orleans, Louisiana
Federal Register
To merge with Northwest Bancshares of Louisiana, Inc., Mansfield, Louisiana, and thereby directly
acquire First National Bank of Mansfield, Mansfield, Louisiana, pursuant to Section 3(a)(5) of the
Bank Holding Company Act.
Great Southern Capital Corporation
Not yet available*
Employee Stock Ownership Plan
To acquire at least 50 percent of the outstanding shares of Great Southern Capital Corporation,
Meridian, Mississippi, pursuant to Section 3(a)(3) of the Bank Holding Company Act.
Section 3 - Applications Subject to Federal Register Only

Application

Comment Period Ending Date

None.

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Riverside Bank of the Gulf Coast
Cape Coral, Florida
To become a member of the Federal Reserve System, pursuant to Section 208.4 of Regulation H and
Section 9 o f the Federal Reserve Act.
United Community Banks, Inc.
Blairsville, Georgia
Notice to engage in the sale of annuities and other insurance products through a newly formed,
wholly-owned subsidiary, United Community Agencies, Inc., Blairsville, Georgia, pursuant to
Section 225.28(b)(l l(iii) of Regulation Y and Section 4(c)(8) of the Bank Holding Company Act.

♦Subject to the provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 26. 1997
Section 10 - Availability of CRA Public Evaluations
The CRA public evaluations of the insured depository institutions listed below became available
during this week. Information about an institution's CRA evaluation may be obtained directly from
the institution. In connection with the assessment of an institution's CRA performance, a rating is
assigned from the following groups:
Outstanding record of meeting community credit needs: An institution has an outstanding record
of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs: An institution has a satisfactory record
of ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs: An institution needs to improve
its overall record of ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Substantial noncompliance in meeting community credit needs: An institution has a
substantially deficient record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.
Bank

CRA Rating

First Central Bank
Outstanding
Post Office Box 41250
St. Petersburg, Florida 33743
(813) 347-0197




Examination Date
06-16-97

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 26.1997
Recentlv Approved Applications

Approval Date

09-24-97
Landmark Bancorp, Inc.
Margate, Florida
1-BHC formation, Sunniland Bank, Fort Lauderdale, Florida, pursuant to Section 3(a)(1) of the Bank
Holding Company Act.
The Terrace Bank of Florida
09-22-97
Tampa, Florida
To establish a branch located at 19400 Bruce B. Downs Boulevard, Tampa, Florida, pursuant to
Section 9 of the Federal Reserve Act.
AmTrade International Bank of Georgia
Atlanta, Georgia
Commitment waiver request.

09-25-97

Great Southern Capital Corporation Employee Stock
Ownership Trust
Meridian, Mississippi
Commitment waiver request.

09-25-97

East Ridge Bancshares, Inc.
09-26-97
Chattanooga, Tennessee
After-the-fact change in control notice by Mr. David E. Young to retain 69.09 percent of the
outstanding shares of East Ridge Bancshares, Inc., Chattanooga, Tennessee, pursuant to the Change
in Bank Control Act of 1978.




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

Ixpe

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 - 9-22-97

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

NP - **

Branch

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

NP - 10-14-97

Branch

Old Kent Bank
Grand Rapids, Michigan
3205 Eagle Crest N.E.
Grand Rapids, Michigan

NP - 9-19-97




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

Type

Application

Branch

Old Kent Bank
Grand Rapids, Michigan
8235 Holly Road
Grand Blanc, Michigan

NP - 9-19-97

Branch

Old Kent Bank
Grand Rapids, Michigan
at the intersection of Lake Lansing Road
and Coolidge Avenue
East Lansing, Michigan

NP - 9-20-97

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

Ixpe

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

FR - 10-23-97
Np _ **

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




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
NP - 9-24-97

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

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

FR -10-23-97
NP - **

3(a)(1)

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

FR -10-24-97
_ **




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

Type

Application

Comment Period
Ending Date

NONE

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

Application

ROS

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

ROS

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




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

The following state member banks have been examined by the Federal Reserve Bank of Chicago for compliance
with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed during the
week ending September 26, 1997. If you are interested in obtaining a copy of the evaluation document, please
contact the bank(s) directly.
Identification of Ratings
O-

An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.

S-

An institution in this group has a satisfactory record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

NI -

An institution in this group has a needs to improve its overall record of ascertaining
and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.

SN -

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




BANK NAME/LOCATIQN

EXAMINATION DATE

First State Bank of Porter
230 Lincoln Street
Porter, Indiana 46304-1847
(219) 926-2136
RSSD #87047

6/09/97

RATINGS
O

RESERVE B A N K APPLICATIONS BULLETIN

For week ending September 26, 1997

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

Application
* Section 9 branch notification by Mcllroy Bank
& Trust, Fayetteville, Arkansas, to establish a
branch at Center Street, Elkins, Arkansas.

End of Comment Period

10-18-97

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

End of Comment Period

* Section 3(a)(1) notification by Community
Bancshares of West Plains, Inc., West Plains, Missouri,
to acquire Community First National Bank of West
Plains, West Plains, Missouri.

Federal Register: 10-24-97

* Section 3(a)(3) notification by Security State
Bancshares, Inc., Charleston, Missouri, to acquire
Merchants and Planters Bank of Homersville,
Homersville, Missouri.

Newspaper: 10-30-97

* Section 3(a)(5) notification by Mercantile Bancorp,
Inc., Quincy, Illinois, to merge with Golden
Bancshares, Inc., Golden, Illinois.

Newspaper: 10-24-97

* Section 3(a)(3) notification by First Citizens Bancshares,
Inc., Dyersburg, Tennessee, to acquire Bank of Troy,
Troy, Tennessee.

Newspaper: 10-27-97

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
Section 3(a)(5)(c) notification by Little Rock
Bancshares, Inc., Little Rock, Arkansas, to acquire
Bank of Little Rock, Little Rock, Arkansas.
* This notification is subject to CRA.




End of Comment Period

N/A

RESERVE B A N K APPLICATIONS BULLETIN

For

week e d n S ptember2 , 1 9
nig e
6 97

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

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

An institution in this group has a satisfactory record of ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
Needs to improve record o f meeting community credit needs

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

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

Bank RSSD
Number
1146




Name of Bank

Pulaski Bank & Trust

Bank Address

Little Rock, AR

Exam ination
Date
06/02/97

Examination
Rating
Satisfactory

R E SE 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 26. 1997

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

RSSD
Number




Name

City

State

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

Application
First Security Bank of Laurel, Laurel, Montana
to establish a branch in Laurel, Montana. *

October 17,1997

* Subject to CRA

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

Application

Comment Period
Ending Date

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

October 23, 1997
(Federal Register)

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

October 23,1997
(Federal Register)

Winter-Park Bancshares, Inc., Cameron, Wisconsin for prior approval
to acquire, indirectly through Owen-Curtiss Financial Corporation,

October 23,1997
(Federal Register)

Rice Lake, Wisconsin, 100% of the voting shares of Brill Bancshares,
Inc., Rice Lake, Wisconsin. *
First National Bank at St. James ESOP, St. James, Minnesota for
retroactive and prior approval to increase its ownership to 22.59%
of the voting shares of First National Agency at St. James,
St. James, Minnesota. *

October 20, 1997
(Federal Register)

Retroactive notification by Richard P. Pederson II to acquire control
of 35.6% of the voting shares of Page Bank Holding Company, Page,
North Dakota.

October 17, 1997
(Federal Register)

* Subject to CRA




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

Application
Roseau Realty Co., Inc., Roseau, Minnesota to continue to engage in
general insurance agency activities in a community with a population
not exceeding 5,000 following its proposed formation as a bank holding
company.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
First National Agency at St. James, St. James, Minnesota to redeem
10.17% of its voting shares.




October 23,1997

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending September 26,1997

ASSIGNMENT OF RATING
Identification of Ratings
In connection with the assessment of each insured depository institution’s CRA performance, a rating is
assigned from the following groups:
OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs
of its entire delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.
NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group needs to improve its overall record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low-and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
BANKfSI EXAMINED
NONE.




DATE OF EXAMINATION

CRA RATING

Federal Reserve Bank of Kansas City

Week Ending September 26,1997

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

Citizens Bank, Lawton, Oklahoma, for prior approval
to merge with First Commercial Bank,S.S.B.,
Lawton, Oklahoma; and establish additional branches.

Not Available

Eaton Bank, Eaton, Colorado, for prior approval to
establish a branch at 930 11th Avenue and 1025 10th
Street, Greeley, Colorado.

August 11, 1997

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

COiWiiaaiPPERIOD ENDING DATE

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

October 10, 1997

John F. Davis, and Carman L. Davis, both of Concordia,
Kansas, for prior approval to acquire .82 percent, for a
total of 11.09 percent of the voting shares of Tri-County
Bancshares, Inc., Linn, Kansas; and thereby indirectly
acquire Tri-County National Bank, Washington, Kansas.*

October 15, 1997

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.*

October 20, 1997

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.*

October 20, 1997

CSB Bancshares, Inc., Ellsworth, Kansas, to acquire
5.92 percent of the voting shares of Wilson Bancshares
Inc., Wilson, Kansas; and thereby indirectly acquire
Wilson State Bank, Wilson, Kansas.*

October 23, 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

RSSD#

CRA Public
Exam Date

CRA
Date

Rating

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

07-14-97

09-30-97

Satisfactory

Farmers State Bank
376657
1st Street
Stansberry, Missouri 64489

07-21-97

10-02-97

Satisfactory

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

06-30-97

10-03-97

Satisfactory

33558

♦Application is subject to CRA.



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

Section I - Applications subject to newspaper notice only
Type

Application

Comment period
ending date

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

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

Type

Application

♦Section 3(a)(1)

SWB Bancshares, Inc., Fort Worth, TX, to acquire
SW Financial, Inc., Dover, DE, and
Southwest Bank, Fort Worth, TX

N/A

* Section 3(a)(1)

SW Financial, Inc., Dover, DE, to acquire
Southwest Bank, Fort Worth, TX

N/A

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




Federal Reserve Bank of Dallas
Section 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 o f the CRA goal against which institutions are evaluated, the four performance levels, and the
institutions fo r which an evaluation is publicly available.

The CRA requires a periodic evaluation 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:
O utstanding
Satisfactory
Needs to improve
Substantial noncompliance
RSSD
number

Examination
date

Institution/ Location

CRA
public date

CRA
rating

723653

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

97/06/09

97/09/15

"
“Outstanding

1017658

Texas State Bank
P. 0. Box 4797
3900 N. 10th Street
McAllen, TX 78501

97/05/12

97/08/25

"
“Outstanding

* Revised - the CRA ratings for these institutions were previously reported incorrectly.

Section VI - CRA examinations scheduled
Institution

*N/A*
* Not Available.




Q uarter of
Location

FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 9/26/97

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
Security Bank Holding Company, Coos Bay, Oregon,
to acquire Pacific State Bank, Reedsport, Oregon.

Newspaper:

10/13/97

Fed. Reg.:

10/20/97

Section III -Applications Subject to Federal Register Only
None

Section IV - Applications Not Subject to Federal Register Notice
or Newspaper Notice
BEO Bancorp to become a bank holding company by acquiring Bank of Eastern Oregon, both of
Heppner, Oregon.

* Subject to CRA.



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 9/26/97
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*

None

*Under the rating system an institution's CRA performance is assigned one of the following four ratings:
O utstanding 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 Im prove record of meeting community credit needs: An institution needs to improve its
overall record of ascertaining and helping to meet the credit needs of its entire delineated community,
including low- to moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
Substantial Noncompliance in meeting community credit needs: An institution has a substantially
deficient record of ascertaining and helping to meet the credit needs of its entire delineated community,
including low- to moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

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



H.2A
N t c 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 as of September 26,1997
The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act of
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j)), Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board of Governors, no
later than the end of the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end of this release.
The public portions of the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;
addresses are listed at the end of this release. Applications and notices also may be obtained from the
Board.
Applicant or notificant

Acquiree or activity

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

1867 Western Financial
Corporation^),
Stockton, CA
CONTINUED

& investment & financial
advice (bX6)

1867 Western Financial
Corporation, Stockton,
CA
Alabama National
BanCorporation,
Birmingham, AL




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

San Francisco

September 2,1997

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

Atlanta

October 24, 1997

Applicant or notificant

Acquiree or activity

Albrecht Financial
Services, Inc., Norwalk,
IA

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

Section of law

-Reserve Bank

End of comment period

Chicago

October 9, 1997

CIBC

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

3

Atlanta

October 16,1997

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

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

CIBC

Atlanta

October 16,1997

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

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

4

New York

March 4, 1997

Bank Capital
Corporation, Strasburg,
CO

Guaranty Corporation,
Denver, CO

3

Kansas City

September 26,1997

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

State Street Boston
Corporation,
Boston, MA;
State Street Bank and Trust
Company,
Boston, MA
trust, securities and data
processing activities (b)(3),
(b)(4), and (b)(7)

3 and 4

New York

March 14, 1997




Applicant or notificant

Acquiree or activity

Section of law

Reserve Bank

End of comment period

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

4

Richmond

September 3,1997

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

4

Richmond

September 3, 1997

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

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

4

Richmond

March 27,1997

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




Applicant or notificant

Acquiree or activity

Builders Financial
Corporation, Chicago,
IL

Builders Bank, Chicago, IL

3

Chicago

October 23,1997

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

Securities First Bank,
Fulleton, CA

3

San Francisco

September 29,1997

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

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

3

Richmond

September 15,1997

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

agency transactional
services (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




Section of law

Reserve B ank

End of comment period

Acquiree or activity

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

dealing to a limited extent
in all types of equity & debt
securities; lending (b)(1),
(b)(2); financial &
investment advisory
services (bX6); securities
brokerage, riskless
principal, private
placement, futures
commission merchant &
other
CONTINUED

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)

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

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




Section of law
4

Reserve Bank

End of comment period

Applicant or notiflcant

New York

August 28,1997

4

Richmond

September 3,1997

CIBC

Dallas

September 26,1997

Section of law

Applicant or notiflcant

Acquiree or activity

Citizens Financial
Corp., Midwest City,
OK

U.S. National Bank,
Midwest City, OK

3

Kansas City

October 16,1997

Coddle Creek Financial
Corp., Mooresville, NC

Mooresville Savings Bank,
SSB, Mooresville, NC

3

Richmond

October 16,1997

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

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

3

St. Louis

October 24, 1997

Community
Bankshares, Inc.,
Denver, CO

Dove Creek State Bank,
Dover Creek, CO

3

Kansas City

October 20, 1997

Community First
Bankshares, Inc., Fargo,
ND

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

3

Minneapolis

October 6,1997

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 National
Corporation, Lexington,
TN

Community National Bank
of Tennessee, Lexington,
TN

3

St. Louis

October 17,1997

Compass Bancshares,
Inc., Birmingham, AL

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

3

Atlanta

October 6,1997

Cortez Investment Co.,
Cortez, CO

The Cortez State Bank,
Cortez, CO

3

Kansas City

October 6,1997

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




Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Deutsche Bank, AG
(Main)
Federal Republic of
Germany

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

4

New York

May 12,1997

Exchange National
Bancshares, Inc.,
Jefferson City, MO

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

3

St. Louis

October 2,1997

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

Mercantile Bank of
Southwest Florida, Naples,
FL

3

Cleveland

October 10,1997

F.N.B. Corporation,
Hermitage, PA

Indian Rocks State Bank,
Largo, FL

3

Cleveland

September 2,1997

FBOP Corporation, Oak
Park, IL

First Capital Bank of
Arizona, Phoenix, AZ

3

Chicago

October 2,1997

FBOP Corporation, Oak
Park, IL

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

3

Chicago

October 27,1997

First Banks, Inc., St.
Louis, MO

Surety Bank, Vallejo, CA

3

St. Louis

October 14,1997

First Commercial
Corporation, Little
Rock, AR

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

3

St. Louis

September 19,1997

First National
Bancshares, Inc., East
Lansing, MI

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

4

Chicago

August 17, 1997

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

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

3

Kansas City

October 6,1997




Section of law

'Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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

Fischer Bancorp, Inc.,
Fischer, IL

Fisher National Bank,
Fisher, IL

3

Chicago

October 24,1997

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

Franklin Savings Bank,
Farmington, MN

CIBC

Boston

August 28,1997




Section of law

Reserve B ank

End of comment period

Reserve Bank

Applicant or notificant

Acquiree or activity

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 Bancoip,
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

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




Section of law

End of comment perio

Applicant or notificant

Acquiree or activity

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 )(ll)

4

S t Louis

August 26,1997

Hazard, Charles
Michael, Boston, MA

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

CIBC

Boston

October 15,1997

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

Hibernia Corporation,
New Orleans, LA

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

3

Atlanta

October 24,1997

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

Horizon Bank of Columbia
County, Magnolia, AR

3

St. Louis

October 20,1997

Industrial Bank of
Japan, Ltd.,
Tokyo, Japan

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

4

New York

May 12,1997

Iron Bancshares, Inc.,
Salisbury, CT

The National Iron Bank,
Salisbury, CT

3

Boston

October 2,1997

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

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

CIBC

Chicago

September 3,1997




Section of law •
Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Jacobsen, Sam J.,
Middleton, WI

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

CIBC

Chicago

August 28,1997

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

JBC Bancshares, Inc.,
Jasper, GA

CIBC

Atlanta

August 12,1997

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

Kentucky Home Bank,
Bardstown, KY

3

San Francisco

April 17,1997

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

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

CIBC

Dallas

September 30,1997

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

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

CIBC

San Francisco

August 6,1997

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

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

CIBC

San Francisco

August 20,1997




Section of law - Reserve Bank

End of comment period

Applicant o r notificant

Acquiree or activity

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

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

croc

Atlanta

July 23, 1997

Lexington B & L
Financial Corp.,
Lexington,
MO

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

3 and 4

Kansas City

August 4, 1997

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

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

4

New York

March 26, 1997

Mahaska Investment
Company, Oskaloosa,
IA

Pella State Bank, Pella, IA

3

Chicago

September 12,1997

MainStreet BankGroup
Incorporated,
Martinsville, VA

Commerce Bank
Corporation, College Park,
MD

3

Richmond

October 6, 1997

Marengo Bancshares,
Inc., Marengo, IL

Prairie State Bank,
Marengo, IL

3

Chicago

October 2,1997

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

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

3

St. Louis

October 27, 1997

Mercantile Bank
Corporation, Grand
Rapids, MI

Mercantile Bank of West
Michigan, Grand Rapids,
MI

3

Chicago

October 9, 1997




Section of law

Reserve Bank

End of comment period

Applicant or notiflcant

Acquiree or activity

Mid America Banking
Corporation, Columbia,
MO

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

3

St. Louis

October 27,1997

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

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

3

St. Louis

October 27,1997

MidSouth Bancorp,
Inc., ESOP, Lafayette,
LA

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

CIBC

Atlanta

September 30,1997

Midwest Community
Bancshares, Inc.,
Marion, IL

The Bank of Marion,
Marion, IL

3

St. Louis

September 2,1997

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

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

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




Section of law

Reserve Bank

End of comment period

Section of law •Reserve Bank

Applicant or notificant

Acquiree or activity

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

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

3

New York

October 3,1997

National City
Bancshares, Inc.,
Evansville, IN

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

3

St Louis

October 3,1997

National Commerce
Bancorporation,
Memphis, TN

First Market Banks, FSB,
Memphis, TN, operation of
a federal savings bank
(bX4).

4

St. Louis

October 10,1997

New Amboy, Inc., Old
Bridge, NJ

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

3

New York

September 26,1997

Northside Banking
Corporation, Tampa, FL

Northside Bank o f Tampa,
Tampa, FL

3

Atlanta

August 29,1997

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

Cityside Fin.'l Serv.s of WI,
Inc., Cityside Savings &
Fin.'l Services, Co., &
Cityside Insurance Co.,
Ltd., Eden Prairie, MN, in
consumer fin. (bXl); the
sale of insur. (b)(l l)(i), (ii)
& (iii) & die operation o f a
nonbank depository
institution (bX4)

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 13,1997

Olney Bancshares of
Texas, Inc., Olney, TX
& Olney Bancorp o f
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




End of comment period

Applicant or notificant

Acquiree or activity

Olympian New York
Corporation, Brooklyn,
NY

Olympian Bank, Brooklyn,
NY

3

New York

October 9,1997

Olympic Bancorp, Port
Orchard, WA

Kitsap Bank, Port Orchard,
WA

3

San Francisco

September 19,1997

One Valley Bancorp,
Inc., Charleston, WV

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

3

Richmond

October 9,1997

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

Anchor Savings Bank,
F.S.B., St. Petersburg, FL
operating a savings
association (b)(4)

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

Penns Wood Bancorp,
Inc., Williamsport, PA

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

3

Philadelphia

October 20,1997

Peoples Bancorp, Inc.,
Marietta, OH

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

4

Cleveland

August 1,1997

Peoples Bancorporation,
Inc., Cuba, MO

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

3

St. Louis

October 17, 1997

Peoples Commercial
Bancorp, Inc., Stilwell,
OK

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

3

Kansas City

September 26,1997

Peoples Community
Bancshares, Inc.,
Colquitt,
GA

Farmers Bank of Malone,
Malone, FL

3

Atlanta

August 11,1997




Section of law

-Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

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 o f
Creighton,
Creighton, NE

3

Kansas City

June 23,1997

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

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

3

Dallas

August 14,1997

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

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

CIBC

Kansas City

September 10,1997

Popular, Inc., Hato Rey,
Puerto Rico

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

3

New York

October 16,1997

Preimer Bancorp, Inc.,
Doylestown, PA

Preimer Bank, Doylestown,
PA

3

Philadelphia

October 23,1997

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

croc

Atlanta

August 5,1997

Progress Bancshares,
Inc., Sullivan, MO

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

3

S t Louis

August 8,1997




Section of law

Reserve Bank

End of comment period

Applicant or notiflcant

Acquiree or activity

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

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

3

Cleveland

July 24, 1997

Rice Lake Bancorp,
Inc., Rice Lake, WI

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

3

Minneapolis

October 9, 1997

Riverside Gulf Coast
Banking Company,
Cape Coral, FL

Riverside Bank of the Gulf
Coast, Cape Coral, FL

3

Atlanta

October 24, 1997

Rockdale National
Bankshares, Conyers,
GA
CORRECTION

Rockdale National Bank,
Conyers, GA

3

Atlanta

August 22, 1997

Rockdale National
Bankshares, Inc.,
Conyers, GA

Rockdale National Bank,
Conyers, GA

3

Atlanta

August 25, 1997

Rockdale National
Bankshares, Inc.,
Conyers, GA

Rockdale National Bank,
Conyers, GA

3

Atlanta

August 22, 1997

Roseau Realty Co., Inc.,
Roseau, MN

Citizens State Bank of
Roseau, Roseau, MN, in
general insurance agency
activities (b)(l 1)(iii)(A)

3 and 4

Minneapolis

October 23, 1997

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

Pacific State Bank,
Reedsport, OR

3

San Francisco

October 20, 1997

Security State
Bancshares, Inc.,
Charleston, MO

Merchants and Planters
Bank of Homersville,
Homersville, MO

3

St. Louis

October 24, 1997




Section of law

Reserve Bank

End of comment period

Section of law 'Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Shields, James Homer,
III, London, England

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

CIBC

S t 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, LA; and
Schaaf, Grant, T.,
Randolph, IA

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

CIBC

Chicago

October 1,1997

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

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

CIBC

Chicago

October 1,1997

Spanjer, Leland, Cozad,
NE, in his capacity as
Personal Representative
of the Estate o f 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 o f South
Dakota, Inc., Aberdeen, SD
in the operation of a
savings association (bX4)

4

Minneapolis

September 26,1997

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

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

CIBC

Kansas City

Augusts, 1997




Applicant or notificant

Acquiree or activity

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

Harbor Capital
Management, Inc., Boston,
MA investment advisory
activities (b)(6); investment
transactions as principal
(bX8); & serve as general
partner of & provide
management & private
placement services to
unregistered investment
funds

4

New York

August 21,1997

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

Southwest Bank, Fort
Worth, TX

3

Dallas

October 23,1997

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

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

3

Dallas

September 26,1997

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

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

3

New York

August 18,1997

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

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

3

Minneapolis

October 20,1997

The Marine BancCorp,
Inc., Chincoteague, VA

The Marine Bank,
Chincoteague, VA

3

Richmond

October 6,1997

Triangle Bancorp, Inc.,
Raleigh, NC

Bank of Mecklenburg,
Charlotte, NC

3

Richmond

August 1,1997

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

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

3

Atlanta

October 24,1997




Section of law 'Reserve Bank

End of comment period

Reserve Bank

End of comment period

3

Kansas City

October 20,1997

Zappco, Inc., S t Cloud,
MN & The First National
Bank of Little Falls, Little
Falls, MN; Melrose State
Bank, Melrose, MN; &
Zapp National Bank o f St
Cloud, St. Cloud, MN &
Zapp Data, Inc., St Cloud,
MN, providing data
processing services (bX14)

3 and 4

Minneapolis

October 24,1997

Union Planters
Corporation, Memphis,
TN

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

3

St. Louis

October 3,1997

UST Corp. Boston, MA
CORRECTION

Firestone Financial Corp.,
Newton, MA in installment
loan and lease financing
activities to commercial
customer (bXl) & 0>X3)

4

Boston

September 5,1997

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 00(7X0

3

Richmond

September 15,1997

Applicant or notificant

Acquiree or activity

Trustbank Financial
Corporation, Denver,
CO

Trust Bank of Colorado,
Denver, CO

U.S. Bancorp,
Minneapolis, MN




Section of law

Applicant or notificant

Acquiree or activity

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 die
sale of credit related
insurance (bXl 1)

3 and 4

Richmond

September 26,1997

Warwick Community
Bancorp, Inc., Warwick,
NY

Warwick Savings Bank,
Warwick, NY

3

New York

October 24,1997

Washington Bancorp,
Washington, IA

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

3 and 4

Chicago

October 23,1997

Wingate, J. Alton,
Cornelia, GA

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

CIBC

Atlanta

October 16,1997

Winter-Park
Bancshares, Inc.,
Cameron, WI

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

3

Minneapolis

October 23,1997

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

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

CIBC

St. Louis

September 26,1997

Young, David E.,
Chattanooga, TN

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

CIBC

Atlanta

July 22,1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

Young, Susan Aileen,
Chicago, IL

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

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




Section of law .Reserve Bank

End of comment period

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 10043-0001
Federal Reserve Bank of Philadelphia
Michael E. Collins, Senior Vice President, 100 North 6th Street, Philadelphia,
PA 19105-1521
Federal Reserve Bank of Cleveland
Jeffrey Hirsch, Banking Supervisor, 1455 East Sixth Street, Cleveland, OH
44101-2566
Federal Reserve Bank of Richmond
A. Linwood Gill, III, Assistant Vice President, 701 East Byrd Street, Richmond, VA 23261-4528
Federal Reserve Bank of Atlanta
Lois Berthaume, Vice President, 104 Marietta Street, N.W., Atlanta, GA
30303-2713
Federal Reserve Bank of Chicago
Philip Jackson, Applications Officer, 230 South LaSalle Street, Chicago, IL
60690-1413
Federal Reserve Bank of S t Louis
Randall C. Sumner, Vice President, 411 Locust Street, St. Louis, MO 63102-2034
Federal Reserve Bank of Minneapolis
Karen L. Grandstrand, Vice President, 250 Marquette Avenue, Minneapolis, MN 55480-2171
Federal Reserve Bank of Kansas City
D. Michael Manies, Assistant Vice President, 925 Grand Avenue, Kansas City, MO 64198-0001
Federal Reserve Bank of Dallas
Genie D. Short, Vice President, 2200 North Pearl Street, Dallas, TX 75201-2272
Federal Reserve Bank of San Francisco
Pat Marshall, Manager of Analytical Support, Consumer Regulation Group, 101 Market Street, San
Francisco, CA 94105-1579
Board of Governors of the Federal Reserve System
William W. Wiles, Secretary, 20th & Constitution Avenue, N.W., Washington, DC 20551-0001




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

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

Margaret Carmody (TEL: 212-720-7924; FAX: 212-720 -6628)
Federal Reserve B ank 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 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 S t 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 o f Governors of the Federal Reserve System

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




H.2A
N t c o Formations and Mergers o ,and A q i i i n b ,Bank Holding
oie f
f
custos y
Companies; Change i Bank Control
n
Notices Filed since the H.2A dated September 26,1997
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

Amador Merger
Corporation, Las
Cruces, NM

Citizens Bank of Las
Cruces, Las Cruces, NM

3

Dallas

October 31,1997

Boston Private Bancorp,
Inc., Boston, MA

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

4

Boston

October 21,1997

Canisteo Valley
Corporation, Canisteo,
NY

First State Bank, Canisteo,
NY

3

New York

October 30,1997

Capitol Bancorp, Ltd.,
Lansing, MI

Muskegon Commerce
Bank, Muskegon, MI

3

Chicago

October 31,1997

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

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

CIBC

Atlanta

October 21,1997




Section of law

Reserve Bank

End of comment period

Applicant or notificant

Acquiree or activity

First Citizens
Bancshares, Inc.,
Dyersburg, TN

Bank of Troy, Troy, TN

3

St Louis

October 30,1997

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

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

croc

Philadelphia

October 22,1997

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

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

3

Atlanta

October 30,1997

Greater Bay Bancorp,
Palo Alto, CA

Peninsula Bank of
Commerce, Millbrae, CA

3

San Francisco

October 31,1997

Hazard, Charles
Michael, Boston, MA
CORRECTION

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

croc

Boston

October 15,1997

Heritage Financial
Corporation, Olympia,
WA

Heritage Savings Bank,
Olympia, WA

3

San Francisco

October 31,1997

Landen, Michael P.,
Dallas, TX

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

croc

Kansas City

October 22,1997

Midland Bancshares,
Inc., Kincaid, IL

The Midland Community
Bank, Kincaid, IL

3

Chicago

October 31,1997

Pederson, Richard Paul
II, Page, ND

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

CIBC

Minneapolis

October 17,1997

Premier Bancshares,
Inc., Atlanta, GA

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

3

Atlanta

October 31,1997

TCA Financial
Corporation,
Englewood, CO

Trust Company of America,
Boulder, CO

3

Kansas City

October 31,1997




Section of law

'Reserve Bank

End of comment period

Applicant or notificaat

Acquiree or activity

The Sanwa Bank
Limited, Osaka, Japan

Morcroft Capital
Corporation, Fairfield, NJ,
leasing& financing
activities, (bX3)& (bXl)




Sectioa of law
4

Reserve Baak
San Francisco

End of comment period
October 21,1997

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

Addresses fo r Comments
Comments on the applications and notices may be sent to the appropriate Federal Reserve Bank or
the Board.
Federal Reserve Bank of Boston
Richard Walker, Community Affairs Officer, 600 Atlantic Avenue, Boston, MA
02106-2204
Federal Reserve Bank of New York
Betsy Buttrill White, Senior Vice President, 33 Liberty Street, New York, NY 10045-0001
Federal Reserve Bank of Philadelphia
Michael E. Collins, Senior Vice President, 100 North 6th Street, Philadelphia,
PA 19105-1521
Federal Reserve Bank of Cleveland
Jeffrey Hirsch, Banking Supervisor, 1455 East Sixth Street, Cleveland, OH
44101-2566
Federal Reserve Bank of Richmond
A. Linwood Gill, III, Assistant Vice President, 701 East Byrd Street, Richmond, VA 23261-4528
Federal Reserve Bank of Atlanta
Lois Berthaume, Vice President, 104 Marietta Street, N.W., Atlanta, GA
30303-2713
Federal Reserve Bank of Chicago
Philip Jackson, Applications Officer, 230 South LaSalle Street, Chicago, IL
60690-1413
Federal Reserve Bank of 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 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 S t Louis

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

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

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

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

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

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




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