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ANNOUNCEMENT
BOARD OF GOVERNORS
OF THE
FEDERAL RESERVE SYSTEM

H.2, 1995, No. 39
Actions of the Board, its Staff, and
the Federal Reserve Banks;
Applications and Reports Received
During the Week Ending September 30, 1995

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANK HOLDING COMPANIES
American Financial Group, Inc., Cincinnati, Ohio -request for relief from certain commitments
involving its holdings in Provident Bancorp, Inc.
Granted, September 27, 1995.
First Commerce Corporation, New Orleans, Louisiana -to acquire Central Corporation, Monroe, Louisiana,
and Central Bank.
Approved, September 25, 1995.
First Union Corporation, Charlotte, North Carolina;
NationsBank Corporation; Southern National
Corporation, Winston-Salem, North Carolina; and
Wachovia Corporation - - t o each acquire more than
5 percent interest in Education Financing Services,
LLC, Winston-Salem, North Carolina, and provide
education financing advisory services nationwide to
State governments.
Permitted, September 25, 1995.
State Street Boston Corporation, Boston,
Massachusetts -- to invest in a de novo joint
venture, BancBoston State Street Investor Services,
L.P., Canton, Massachusetts, and engage in trust
related services and data processing activities.
Permitted, September 25, 1995.
ENFORCEMENT




Constitution Bancorp, Inc., Philadelphia,
Pennsylvania, and Constitution Bank -- written
agreement dated November 18, 1993, terminated
August 31, 1995.
Announced, September 29, 1995.
Security Bank Corporation, Manassas, Virginia
written agreement dated April 1, 1992, terminated
September 11, 1995.
Announced, September 29, 1995.
Sparta State Bank, Sparta, Michigan -- written
agreement dated August 3, 1993, terminated July 31,
1995.
Announced, September 29, 1995.
Union State Bank, Upton, Wyoming-- written agreement
dated February 4, 1993, terminated September 5,
1995.
Announced, September 29, 1995.

H .2
SEPTEMBER 25, 1995
PAGE 2

TO

SEPTEMBER 29, 1995

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

REGULATIONS AND POLICIES
Consumer Credit Advertising Under The Truth in
Lending Act -- report to the Congress on possible
changes to advertising rules.
Approved, September 25, 1995.
Regulation Z -- correction to final rule concerning
"reverse mortgages” and mortgages bearing rates or
fees above a certain percentage or amount (Docket
R-0858).
Approved, September 25, 1995.

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




Philadelphia

Ambassador Bank of the Commonwealth, Allentown,
Pennsylvania -- to establish a branch at 402 State
Road, Emmaus, Pennsylvania.
Approved, September 29, 1995.

Chicago

Bank of Illinois in Normal, Normal, Illinois -- to
establish an offsite electronic facility at 103
East Beaufort.
Approved, September 25, 1995.

Chicago

Bankers Trust Company, Des Moines, Iowa -- to
establish an automated teller machine at Kum & Go.,
1725 Northwest 86th, Clive, Iowa.
Approved, September 29, 1995.

Chicago

Bankers Trust Company, Des Moines, Iowa --to
establish an automated teller machine at Kum & Go,
7265 Vista Drive, West Des Moines, Iowa.
Approved, September 29, 1995.

Chicago

Baylake Bank, Sturgeon Bay, Wisconsin -- to establish
a branch at the intersection of Voyager Drive and
Huron Road, Green Bay, Wisconsin.
Approved, September 29, 1995.

H .2
SEPTEMBER 25, 1995
PAGE 3

TO

SEPTEMBER 29, 1995

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

BANK BRANCHES■ DOMESTIC
Chicago

Baylake Bank, Sturgeon Bay, Wisconsin -- to retain
the branch at 2260 Bay Settlement Road, Green Bay,
Wisconsin.
Approved, September 29, 1995.

Cleveland

Fifth Third Bank of Northeastern Ohio, Cleveland,
Ohio -- to establish a branch at 18300 Royalton
Road, Strongville, Ohio.
Approved, September 27, 1995.

Kansas City

Havelock Bank, Lincoln, Nebraska -- to establish a
branch at 5651 South 59th Street.
Approved, September 29, 1995.

San Francisco

Ireland Bank, Malad City, Idaho -- to establish a
branch at 2715 Popeline Road, Pocatello, Idaho.
Approved, September 25, 1995.

Richmond

Mellon Bank (MD), Rockville, Maryland -- to establish
an electronic funds transfer facility at 4965 Elm
Street, Bethesda, Maryland.
Approved, September 27, 1995.

Chicago

Security Savings Bank, Farhamville, Iowa -- to
establish branches at 127 South Ash Street,
Harcourt, Iowa, and 116 Main Street, Lehigh^ Iowa.
Approved, September 29, 1995.

BANK HOLDING COMPANIES




Dallas

Alamo Corporation of Delaware, Wilmington, Delaware - to acquire Alamo Bank of Texas, Alamo, Texas.
Approved, September 27, 1995.

Dallas

Camino Real Bancshares, Inc., Sam Antonio, Texas
to acquire Texas Bank, N.A.
Approved, September 28, 1995.

Dallas

Camino Real Delaware, Inc., Wilmington, Delaware -to acquire Texas Bank, N.A., San Antonio, Texas.
Approved, September 28, 1995.

H.2
SEPTEMBER 25, 1995
PAGE 4

TO

SEPTEMBER 29, 1995

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

BANK HOLDING COMPANIES




Richmond

Carolina Community Bancshares, Inc., Latta, South
Carolina -- to acquire SouthTrust Bank of Dillon
County.
Approved, September 27, 1995.

Atlanta

Century South Banks, Inc., Dahlonega, Georgia - - t o
acquire Peoples Bank, Lavonia, Georgia.
Approved, September 29, 1995.

Atlanta

Citizens Community Bank Shares, Inc., Winchester,
Tennessee - - t o acquire Citizens Community Bank.
Approved, September 27, 1995.

Kansas City

Downs Bancshares, Inc., Downs, Kansas -- to retain
shares of Cushing Insurance Agency, and to continue
to engage in the sale of general insurance
activities.
Withdrawn, September 25, 1995.

Secretary

First United Bancshares, Inc., El Dorado, Arkansas -to engage de novo in trust services through First
Union Trust Company, N.A.
Permitted, September 29, 1995.

Chicago

Hampton Banco, Inc., Hampton, Iowa -- request for
relief from certain commitments.
Returned, September 26, 1995.

Minneapolis

Lake Elmo Bancshares, Inc., Lake Elmo, Minnesota -to acquire Lake Elmo Bancorp, Inc.
Approved, September 27, 1995.

Cleveland

Lenox Bancorp, Inc., St. Bernard, Ohio -- to acquire
Lenox Savings Bank.
Withdrawn, September 29, 1995.

Cleveland

Mellon Bank Corporation, Pittsburgh, Pennsylvania -to acquire Target Trust Company, Philadelphia,
Pennsylvania.
Permitted, September 25, 1995.

H.2
SEPTEMBER 25, 1995
PAGE 5

TO

SEPTEMBER 29, 1995

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

BANK HOLDING COMPANIES




Chicago

Merchants Bancorp, Inc., Aurora, Illinois -- to
acquire Valley Banc Service Corp., Saint Charles;
Anchor Bank, Third Lake; Hinckley State Bank,
Hinckley; State Bank of Osco, Osco; and Fox Valley
Bank, Saint Charles, Illinois.
Approved, September 26, 1995.

Minneapolis

Midwest Bancorporation, Inc., Minnetonka, Minnesota,
and Todd County Agency, Inc. -- to engage in
general insurance agency activities through
Graceville Insurance Agency, Inc., Graceville,
Minnesota.
Permitted, September 27, 1995.

San Francisco

Northern California Bancorp, Inc., Monterey,
California -- to acquire Monterey County Bank.
Returned, September 27, 1995.

Boston

People's Bancshares, Inc., South Easton,
Massachusetts -- to acquire People's Savings Bank
of Brockton.
Approved, September 29, 1995.

Cleveland

PNC BankCorp., Pittsburgh, Pennsylvania -- to acquire
Midlantic Corporation, Edison, New Jersey.
Approved, September 26, 1995.

Richmond

Southern Financial Bancorp, Inc., Warrenton, Virginia
-- to acquire Southern Financial Bank.
Approved, September 28, 1995.

Dallas

Texas Bancorp Shares, Inc., San Antonio, Texas -- to
acquire Camino Real Bancshares, Inc., San Antonio,
Texas, Camino Real Delaware, Inc., Wilmington,
Delaware, and Camino Real Bank, N.A., Eagle Pass,
Texas.
Approved, September 28, 1995.

Dallas

Trenton Bankshares, Inc., Trenton, Texas -- to
acquire First National Bank of Trenton.
Approved, September 28, 1995.

H.2
SEPTEMBER 25, 1995
PAGE 6

TO

SEPTEMBER 29, 1995

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

BANK HOLDING COMPANIES
Kansas City

Unison Bancorp, Inc., Lenexa, Kansas - - t o acquire
Western National Bank.
Approved, September 29, 1995.

Minneapolis

White Pine Bancorp, Inc., Pine River, Minnesota -- to
acquire Norbanc Group, Inc.
Approved, September 27, 1995.

BANK MERGERS
Chicago

Security Savings Bank, Farhamville, Iowa -- to
acquire the assets and assume the deposit
liabilities of the Harcourt, Iowa, and Lehigh,
Iowa, offices of Boatmenfs Bank of Fort Dodge, Fort
Dodge, Iowa, and to establish branches.
Approved, September 29, 1995.

Richmond

Southern Financial Bank, Warrenton, Virginia
proposal to merge with Southern Financial Federal
Savings Bank, and establish branches.
Approved, September 28, 1995.

BANK PREMISES
Kansas City

Bank of Laramie, Laramie, Wyoming -- investment in
barnk premises.
Approved, September 25, 1995.

BANKS, NONMEMBER. AND MISCELLANEOUS INSTITUTIONS
Director, BS&R

USBancorp Trust Company, Johnstown, Pennsylvania -registration statement.
Withdrawn, September 26, 1995.

BANKS. STATE MEMBER




Kansas City

Bank of Commerce, Wetumka , Oklahoma -- payment of a
dividend.
Approved, September 26, 1995.

Kansas City

Morris State Bank, Morris, Oklahoma -- payment of a
dividend.
Approved, September 26, 1995.

H.2
SEPTEMBER 25, 1995
PAGE 7

TO

SEPTEMBER 29, 1995

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

BANKS. STATE MEMBER
Kansas City

Weleetka State Bank, Weleetka, Oklahoma -- payment of
a dividend.
Approved, September 26, 1995.

CAPITAL STOCK
San Francisco

Bank of America Nevada, Las Vegas, Nevada -redemption of shares.
Approved, September 25, 1995.

Minneapolis

Dean Financial Services, Inc., St, Paul, Minnesota -redemption of shares.
Approved, September 29, 1995.

Kansas City

First National Bank of York, York, Nebraska -redemption of shares.
Approved, September 27, 1995.

Kansas City

First York Ban Corp, York, Nebraska -- redemption of
shares.
Approved, September 27, 1995.

CHANGE IN BANK CONTROL




Minneapolis

Deem Financial Services, Inc., St, Paul, Minnesota -change in bank control.
Permitted, September 29, 1995.

Kansas City

Equitable Bankshares of Colorado, Inc., Denver,
Colorado -- change in bank control.
Returned, September 27, 1995.

Atlanta

F.B.H. Corporation, Fayette, Alabama -- change in
bank control.
Permitted, September 29, 1995.

Kansas City

Higginsville Bancshares, Inc., Higginsville, Missouri
-- change in bank control.
Withdrawn, September 26, 1995.

Cleveland

Marblehead Bank, Marblehead, Ohio -- change in bank
control.
Permitted, September 26, 1995.

H .2
SEPTEMBER 25, 1995
PAGE 8

TO

SEPTEMBER 29, 1995

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

CHANGE IN BANK CONTROL
San Francisco

SDN Bancorp, Encinitas, California -- change in bank
control.
Permitted, September 26, 1995.

COMPETITIVE FACTORS REPORTS




Minneapolis

American Commercial Bank, St. Paul, Minnesota,
proposed merger with American Bank Burnsville,
Burnsville, Minnesota -- report on competitive
factors.
Submitted, September 25, 1995.

Boston

Athol Savings Bank, Athol, Massachusetts, proposed
purchase of certain assets and assumption of
certain liabilities of the 52 Main Street,
Ashburnham, Massachusetts, branch of the First
National Bank of Boston, Boston, Massachusetts -report on competitive factors.
Submitted, September 28, 1995.

Minneapolis

BankFirst National Association, Sioux Falls, South
Dakota, proposed merger with BankFirst National
Association, Brookings, South Dakota -- report on
competitive factors.
Submitted, September 28, 1995.

Dallas

Camino Real Bank, N.A., Eagle Pass, Texas, proposed
merger with Texas Bank, National Association, San
Antonio, Texas -- report on competitive factors.
Submitted, September 29, 1995.

Atlanta

Fidelity Federal Savings Bank, Dalton, Georgia,
proposed acquisition of the assets and assumption
of the liabilities of the branch at 200 West Main
Street, Cartersville, Georgia, of Prudential
Savings Bank, FSB.
Submitted, September 25, 1995.

Minneapolis

First National Bank, Pierre, South Dakota, proposed
merger with the Newell, South Dakota, branch of
First Savings Bank, Beresford, South Dakota -report on competitive factors.
Submitted, September 26, 1995.

H.2
SEPTEMBER 25, 1995
PAGE 9

TO

SEPTEMBER 29, 1995

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

COMPETITIVE FACTORS REPORTS




Chicago

Kankakee Federal Savings Bank, Kankakee, Illinois,
proposed purchase of the assets and assumption of
the liabilities of the Momence, Illinois, branch
of First of America Bank-Illinois, National
Association, Bannockburn, Illinois -- report on
competitive factors.
Submitted, September 26, 1995.

Dallas

L & B Financial, Inc., Sulphur Springs, Texas,
proposed acquisition of assets and assumption of
liabilities of Sulphur Springs Loan and Building
Association -- report on competitive factors.
Submitted, September 29, 1995.

Minneapolis

Marquette Bank, N.A., Golden Valley, Minnesota,
proposed merger with Marquette Bank Cannon Falls,
Cannon Falls, Minnesota -- report on competitive
factors.
Submitted, September 28, 1995.

New York

MSB Bancorp, Inc., Goshen, New York, proposed
reorganization as a unitary savings and loan
holding company, and the proposed conversion of MSB
Bancorp1s, subsidiary, Middletown Savings Bank, to
a federal stock savings bank from a New York Statecharterd stock savings bank-- report on competitive
factors.
Submitted, September 28, 1995.

Atlanta

Ponte Vedra National Bank, Ponte Vedra Beach,
Florida, proposed merger with SunBank / North
Florida, N.A., Jacksonville, Florida -- report on
competitive factors.
Submitted, September 27, 1995.

Philadelphia

Sun National Bank, Medford, New Jersey, proposed
purchase of certain assets and assumption of
certain liabilities of four branches of New Jersey
National Bank, Ewing Township, New Jersey -- report
on competitive factors.
Submitted, September 25, 1995.

H .2
SEPTEMBER 25, 1995
PAGE 10

TO

SEPTEMBER 29, 1995

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

CURRENCY
Director, FRBO

Federal Reserve notes -- letter confirming request

for printing order for fiscal year ending
September 30, 1996.
Approved, September 28, 1995.
Director, FRBO

Federal Reserve notes -- increase in the 1995 new
currency budget for printing and related costs.
Approved, September 28, 1995.

EXTENSIONS OF TIME




San Francisco

Bank of Tokyo, Ltd., Tokyo, Japan -- extension to
December 31, 1995, to invest in Bank of Tokyo
Mexico, S.A., Mexico, through BOT North America
International, Inc., New York, New York.
Granted, September 27, 1995.

Richmond

NationsBanc-CRT Energy CUE), Ltd., London, England -extension to December 26, 1995, to engage in
certain futures commission merchant activities.
Granted, September 26, 1995.

Minneapolis

Norwest Corporation, Minneapolis, Minnesota -extension to January 5, 1996, to engage de novo in
financial and investment advisory activities
through Norwest Investment Services, Inc.
Granted, September 27, 1995.

Richmond

Princess Anne Bank, Virginia Beach, Virginia
extens ion to December 29, 1995, to acquire certain
assets and assume certain liabilities of three
branches of CENIT Bank, F.S.B., Norfolk, Virginia.
Granted, September 29, 1995.

H.2
SEPTEMBER 25, 1995
PAGE 11

TO

SEPTEMBER 29, 1995

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

MEMBERSHIP
Richmond

Southern Financial Bank, Warrenton, Virginia - - t o
become a member of the Federal Reserve System.
Approved, September 28, 1995.

REGULATIONS AND POLICIES
Secretary
FOMC

Federal Open Market Committee -- minutes of the
meeting on August 22, 1995.
Published, September 29, 1995.

RESERVE BANK OPERATIONS




Director, FRBO

Federal Reserve Bank of Atlanta -- renovation of cash
department at the Birmingham Branch.
Approved, September 25, 1995.

Director, FRBO

Federal Reserve Bank of Cleveland -- to purchase
equipment for savings bond processing services at
the Pittsburgh Branch.
Approved, September 26, 1995.

Director, FRBO

Federal Reserve Bank of New York -- to purchase
consulting services to complete installation of
telecommunications system.
Approved, September 28, 1995.

Director, FRBO

Federal Reserve Bank of Richmond -- to replace and
upgrade certain systems associated with the head
office building.
Approved, September 25, 1995.

H.2
SEPTEMBER 25, 1995
PAGE 12

ADDITIONS AND CORRECTIONS
TO

SEPTEMBER 29, 1995

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

FORMS
Bank Holding Company Report of Changes in Investments
and Activities (FR Y-6A) -- extension with
revision.
Approved, September 20, 1995.

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

BANK HOLDING COMPANIES
San Francisco

BancWest Corporation, San Francisco, California -- to
acquire Bank of the West.
Approved, September 22, 1995.

EXTENSIONS OF TIME




San Francisco

Dai-Icho Kangyo Bank, Limited, Tokyo, Japan -extension to divest certain property.
Granted, September 21, 1995.

Chicago

First National Company, Storm Lake, Iowa
extension
to December 31, 1995, to acquire Buena Vista
Abstracting, Storm Lake, Iowa, and engage in
abstracting activities.
Granted, September 22, 1995.

FEDERAL

RESERVE

BANK

OF

BOSTON

APPLICATIONS

SECTION I - APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY
Co m m e n t P e r i o d Endi n g Date

Application

NON E

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

Comment

P e r i o d E n d i n g Date

NONE

SECTION III - APPLICATIONS SUBJECT TO
FEDERAL REGISTER NOTICE ONLY
Comment

Application

P e r i o d E n ding Date

NONE

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

NON E

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Institution

Examination Date

R a t i n g **

N ONE

♦Subject to CRA.
♦♦Rating Defin i t i o n s :
"0" - Outstanding; "S"
Improve; "SN" - S u b s t a n t i a l Noncomp l i a n c e .




- Satisfactory;

"N"

- Needs

to

Federal Reserve Bank of New York
Comment Period
Ending Date

SECTION I
Applications Subject to Newspaper
___________Notice Only___________
Marine Midland Bank, Buffalo, New York, to
acquire certain assets and assume certain
liabilities of the two New York retail branch
banking offices of its affiliate, Hang Seng
Bank Limited, Hong Kong, and to establish
branches at the two locations. 1/

10/26/95

Fleet Bank, Albany, New York, to establish an
offsite electronic facility at Carousel Center,
320 Hiawatha Blvd., Syracuse, New York.
1/

10/26/95

Fleet Bank, Albany, New York, to establish an
offsite electronic facility at Brookhaven
Memorial Hospital, 101 Hospital Rd., East
Patchogue, New York. 1/

10/26/95

Fleet Bank, Albany, New York, to establish an
offsite electronic facility at Evelyn Hill
Inc., Liberty Island, New York, New York. 1/

10/26/95

SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
North Fork Bancorporation, Inc., Mattituck,
New York, to acquire all of the voting shares
of Extebank, Stony Brook, New York.
Immediately thereafter, Extebank will be merged
into Applicant's bank subsidiary, North Fork
Bank, Mattituck, New York. 1/

10/27/953/

SECTION III
Nonbanking Applications
(subject to Federal Register Notice Only)
UJB Financial Corp., Princeton, New Jersey, to
purchase 114 ATM's from Berkeley Federal Bank
and Trust, FSB, Palisades Park, New Jersey, and
to engage, through a wholly-owned de novo
subsidiary, in provision of data-processing
services to financial institutions.




N/A

SECTION IV
Applications Not Involving
______ Public Comment______
Non e .

SECTION V
Availability of CRA Public Evaluations
In connection with the assessment of each insured depository
institution's CRA performance, a rating is assigned from the
following group:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and
is a leader in, ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of
ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.
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 an
capabilities.
Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record
of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate- income neighbor­
hoods, in a manner consistent with its resources and capabilities.




Week Ending September 30. 1995
NAME OF BANK

RATING

The Adirondack Trust Co.
Satisfactory
473 Broadway
Saratoga Springs, NY 12866

1/
2/
3/

4/




EXAMINATION DATE
October 24, 1994

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

F E D E R A L R E S E R V E B A N K OF P H I L A D E L P H I A

Section I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER NOTICE ONLY
NONE
SECTION II - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER
NOTICE
Execufirst Bancorp, Inc., Philadelphia, Pennsylvania is the subject of a Change in Bank
Control Notice filed by Zeev Shenkman and The Shen Financial Fund I, L.P. to acquire up
to 16.31% of the holding company.
Newspaper Notice comment period expires:
Federal Register comment period expires:

N/Avail
10/17/95

SECTION III - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL REGISTER NOTICE ONLY
Peoples Savings Financial Corporation, Ridgway, Pennsylvania, to engage directly in
lending activities, pursuant to section 4(c)(8) of the Bank Holding Company Act and
section 225.(b)(1) of Regulation Y.
Federal Register comment period expires:

10/12/95

Sun Bancorp, Selinsgrove, Pennsylvania to engage de novo in community development
activities through its acquisition of 95% of Mifflin Place Associates, Mifflinburg,
Pennsylvania, pursuant to Section 4(c)(8) of the Bank Holding Company Act of 1956, as
amended and Section 225.25(b)(6) of Regulation Y.
Federal Register comment period expires:

10/13/95

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




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 29, 1995

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

Wilmington Trust of PA
1522 McDaniel Drive
West Chester, PA 19382

05/08/95

Satisfactory




F ed er a l Reserv e B ank
of Cleveland
P. O. BOX 6387
CLEVELAND, OHIO 4410 1-13 87

APPLICATIONS BULLETIN
(For the week ending Septem ber 30, 1995)

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
Received notice from Fifth Third Bank of Northeastern

^October 13,

1995
Ohio, Cleveland, Ohio, on September 25, 1995, of its
intent to establish branch facilities at 21593 Lorain
Road, Fairview Park, Ohio, and 10950 Lorain Road,
Cleveland, Ohio.
Received notice from The Commercial Bank, Delphos
Ohio, on September 25, 1995, of its intent to establish
a branch facility at 2285 North Cole Street, Lima, Ohio.

^October 25, 1995

SECTION n - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL
REGISTER NOTICE
NONE
SECTION m - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
Received application from Banc One Corporation,
Columbus, Ohio, on September 18, 1995, to acquire
the nonbank subsidiaries of Premier Bancorp, Inc.,
Baton Rouge, Louisiana, pursuant to Section 4 of
the Bank Holding Company Act.

October 30, 1995

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

* - Subject to CRA
N - Newspaper Comment Period
F - Federal Register Comment Period
Expected to End 30 Days from Date of Receipt
#

-




AVAILABILITY OF CRA PUBLIC EVALUATIONS
(September 29, 1995)

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d c m n becamea a l b ef o t eb n ( )lse b l w d r n t eweeke d dS p e b r2 ,
ouet
v i a l r m h a k s itd e o u i g h
ne etme 9
1 9 . I y u a ei trse i o t i i g a c p o a e a u t o d c m n , p e s c n a tt e
9 5 f o r n eetd n b a n n o y f n v l a i n o u e t l a e o t c h
b n ( ) drcl.
a k s iety
T e e a ef u d s r p i ertnsf rCRA:
h r r o r e c i t v aig o
OUTSTANDING: a b nk i ti g o p h s a o t t n i g r c r o, a d i a l a e
a n hs r u a n u s a d n e o d f n s e d r
i, a c r a n n a d h l i g t m e t e cei n e s o is etr d l n a e c m u i y
n s e t i i g n e p n o e t h rd t e d f t n i e e i e t d o m n t ,
i c u i g l w a d m d r t - n o e n i h o h o s i a manner c n i t n w t isr s u c s
nldn o - n o e a e i c m e g b r o d , n
osset i h t e o r e
a d cpblte.
n aaiiis
SATISFACTORY: ab n i ti g o p h s a stsatr r c r o a c r a n n a d
a k n hs r u a aifcoy e o d f s e t i i g n
h l i g t m e t e cei n e s o is etr d l n a e c m u i y i c u i g l w a d
e p n o e t h rd t e d f t n i e e i e t d o m n t , n l d n o - n
m d r t - n o e n i h o h o s i a manner c n i t n w t isr s u c s a d cpblte.
o e a e i c m egbrod, n
o s s e t i h t e o r e n aaiiis
NEEDS TO IMPROVE: a b n i ti g o p n e s t i p o e iso e a l r c r o
a k n hs r u e d o m r v t v r l e o d f
a c r a n n a d h l i gt m e t ecei n e s o isetr d l n a e c m u i y i c u i g
s e t i i g n e p n o e t h rdt e d f t nie e i e t d o m n t , n l d n
l w a d m d r t - n o e n i h o h o s i a manner c n i t n w t is r s u c s a d
o- n o e a e i c m egbrod, n
osset i h t e o r e n
cpblte.
aaiiis
SUBSTANTIAL NON COMPLIANCE: a b n i ti g o p h s a sbtnily
a k n hs r u a
u satal
dfcet r c r o a c r a n n a d h l i g t m e t e cei n e s o isetr d l n a e
e i i n e o d f s e t i i g n e p n o e t h rdt e d f t nie e i e t d
c m u i y i c u i g l w a d m d r t - n o e n i h o h o s i a manner c n i t n w t
o m n t , nldn o - n o e a e i c m e g b r o d , n
osset i h
isr s u c s a d cpblte.
t e o r e n aaiiis
The C t z n S v n s Bank C .
iies a i g
o
P O Box D
..
1 2 E s F o t Sre
3 a t r n tet
P m e v l e O i 43450
ebril, h o
R t n : St s a t r
a i g aifcoy
Exam D t : 6 1 - 5
ae -29




Federal Reserve Bank of Richmond

Section I - Applications Subject to Newspaper
Notice Only
Application

Comment Period Ending Date

Triangle Bank, Raleigh, North Carolina,
to purchase the assets and assume the
liabilities of four branches of First
Union National Bank of North Carolina,
Charlotte, North Carolina, located in
Benson, Clayton, Havelock, and Mount
Olive, North Carolina.*

10-27-95

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

Comment Period Ending Date

Anderson Brothers Bancshares, Inc., Mullins,
South Carolina, to become a bank holding
company through the acquisition of 100% of
the voting shares of Anderson Brothers Bank,
Mullins, South Carolina.*

10-6-95

NationsBank Corporation, Charlotte, North
Carolina, to acquire Sun World, National
Association, El Paso, Texas (successor to
Sun World Savings Bank, FSB).*

10-27-95**

Section III - Applications Subject to Federal Register Notice
Application

Comment Period Ending Date

None .

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

Application
None.

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




Federal Reserve Bank of Richmond
Availability of CRA Public Evaluations
Week ending September 29, 1995

Definition of Ratings

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

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

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

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

Rating

Commerce Bank Corporation
9658 Baltimore Avenue
College Park, Maryland 20740-1346

7-10-95

Satisfactory

Peoples Bank of Montross
King Highway
Montross, Virginia
22520

7-10-95

Satisfactory

Citizens Bank of Tazewell
643 East Riverside Drive
Tazewell, Virginia 24651

7-10-95

Satisfactory




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 29, 1995

Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Banco Osorno y la Union
Not yet available*
Santiago, Chile
To establish an international agency located in Miami, Florida.

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

Comment Period Ending Date

Century South Banks, Inc.
10-26-95*
Dahlonega, Georgia
Federal Register
To acquire Bank of Danielsville, Danielsville, Georgia, pursuant to Section
3(a)(3) of the Bank Holding Company Act.
First National
Gainesville,
To acquire The
3(a)(3) of the

Bancorp
Georgia
Bank of Heard County, Franklin,
Bank Holding Company Act.

Not yet available*
Georgia,

pursuant to Section

Community Bancshares of Mississippi, Inc. ESOP
Not yet available*
(formerly Farmers & Merchants Bank ESOP)
Forest, Mississippi
Along with its second-tier holding company subsidiary, Community Bancshares of
Mississippi, Inc.(formerly Forest Bancorp, Inc.), Forest, Mississippi, to merge
with Community Bancshares of Indianola, Mississippi, and thereby directly acquire
Community Bank, Indianola, Mississippi, pursuant to Section 3(a) (5) of the Bank
Holding Company A c t .

Section 3 - Applications Subject to Federal Register Only
Application

Comment Period Ending Date

First American Corporation
10-13-95
Nashville, Tennessee
To acquire Charter Federal Savings Bank, Bristol, Virginia, and thereby engage
in operating a savings association, and to engage in the sale of credit related
insurance through Charter Federal Savings Bank's wholly-owned subsidiaries,
Charter Financial Services Corporation and Highlands Service Corporation,
pursuant to Sections 225.25(b)(9) and 225.25(b)(8) of Regulation Y, and Section
4(c)(8) of the Bank Holding Company Act.

♦Subject to provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 29, 1995

Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
Non e.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 29, 1995

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.
Examination
Date

Bank

Rating

First Southern Bank
9955 West Glade Road
Boca Raton, Florida 33434
(407)479-2100

Satisfactory

06-12-95

Central State Bank
Post Office Box 180
Calera, Florida 35040
(205)668-0711

Satisfactory

06-19-95




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 29, 1995

Recently Approved Applications

Approval Date

09-29-95
F.B.H. Corporation
Fayette, Alabama
After-the-fact notification by Mr. James W. Branyon to retain 19.11 percent of
the outstanding shares of F.B.H. Corporation, Fayette, Alabama.
Century South Banks, Inc.
09-29-95
Dahlonega, Georgia
To acquire Peoples Bank, Lavonia, Georgia, pursuant to Section 3 ( ! (3) of the
a
Bank Holding Company A c t .
Citizens Community Bancshares, Inc.,
Winchester, Tennessee
1-BHC formation, Citizens Community Bank, Winchester, Tennessee.




09-27-95

Federal Reserve Bank o f Chicago

S c i nI-A p i a i n S b e tt Newspaper
eto
plctos ujc o
Ntc O l
oie n y
Comment P r o
eid
Edn Dt
nig ae

Type

Apiain
plcto

Mre/rnh
egrBac

The N r h r T u t Company
o t e n rs
C i a o Ilni
h c g , lios
N r h r T u tBank/O’a e N t o a A s c a i n
o t e n rs
H r , ainl soito
C i a o Ilni
h c g , lios
N r h r T u tB n / a e F r s , N t o a A s c a i n
o t e n r s a k L k oet a i n l s o i t o
L k F r s , Ilni
a e o e t lios
N r h r T u t Bank/DuPage
o t e n rs
Oakbrook T r a e Ilni
e r c , lios
-B a c @ 8 0 W. H g i s Road
rnh 51
ign
C i a o Ilni
h c g , lios

NP -*
*

Bac
rnh

The N r h r T u t Company
o t e n rs
C i a o Ilni
h c g , lios
One Oakbrook T r a e
erc
Oakbrook T r a e Ilni*
e r c , lios

Np

Bac
rnh

M&I Mid SaeBank
tt
S e e s Pit W s o s n
t v n on, i c n i
1 4 8 h S re S u h
3 1 t tet o t
W s o s nR p d , W s o s n
i c n i ais i c n i

NP -1 - 1 9
01-5

Bac
rnh

The N r h r T u t Company
o t e n rs
C i a o Ilni
h c g , lios
1 0 E S r n o Avenue
2 . catn
L k Buf Ilni*
a e lf, lios

Np

Bac
rnh

The N r h r T u t Company
o t e n rs
C i a o Ilni
h c g , lios
1 0 W o f e d Road
51 o d i l
S h u b r , Ilni*
c a m u g lios

NP -*
*

Bac
rnh

The N r h r T u t Company
o t e n rs
C i a o Ilni
h c g , lios
2 5 D e p t Road
6 erah
L k F r s , Ilni*
a e o e t lios

NP -*
*




-**

.*
*

Federal Reserve Bank of Chicago

S c i nI-A p i a i n S b e tt Newspaper
eto
plctos ujc o
Ntc O l
oie n y
Cniud
otne
Comment Period
Ending Date

Type

Apiain
plcto

Bac
rnh

The N r h r T u t Company
o t e n rs
C i a o Ilni
h c g , lios
400 E D e l Road
. ih
N p r i l , Ilni*
a e v l e lios

Np - **

Bac
rnh

The N r h r T u t Company
o t e n rs
C i a o Ilni
h c g , lios
6 0 N Harlem Avenue
41 .
C i a o Ilni*
h c g , lios

NP - **

Bac
rnh

The N r h r T u t Company
o t e n rs
C i a o Ilni
h c g , lios
7 1 S McKinley
0 .
L k F r s , Ilni*
a e o e t lios

Np - **

Bac
rnh

The N r h r T u t Company
o t e n rs
C i a o Ilni
h c g , lios
9 9 S Waukegan Road
5 .
L k F r s , Ilni*
a e o e t lios

NP - **

Mre/rnh
egrBac

B ron C n e SaeBank
y
e t r tt
B ron C n e , M c i a
y
etr i h g n
M l n , M c i a B a c o Frto
o i e i h g n r n h f is f
A e i aB n ,N A
m r c ak . .
G and R p d , M c i a
r
ais i h g n
-B a c @1221 Rosewood
rnh
Mln,M c i a
oie i h g n

NP . **

Bac
rnh

H n d l Bank & T u t Company
isae
rs
H n d l , Ilni
i s a e lios
G a t & C e t u Sr e s
rn
h s n t tet
H n d l , Ilni
i s a e lios

NP -1 - 0 9
01-5




S c i nI-A p i a i n S b e tt Newspaper
eto
plctos ujc o
Ntc O l
oie n y
Cniud
otne
Comment Period
Ending Date

Type

Apiain
plcto

Merger

B y a e Bank-Kewaunee
alk
Kewaunee, W s o s n
icni
B y a e Bank
alk
Sugo By Wsosn
tren a, icni

NP -1 - 0 9
11-5

Bac
rnh

B y a e Bank-Kewaunee
alk
Kewaunee, W s o s n
icni
itre t o o V y g r D i e & Huron Road
nes c i n f o a e r v
Green B y W s o s n
a, icni

NP -1 - 0 9
11-5

Bac
rnh

B y a e Bank-Kewaunee
alk
Kewaunee, W s o s n
icni
RR 1Box 2
4
W s i g o Iln, W s o s n
a h n t n sad i c n i

NP -1 - 0 9
11-5

Bac
rnh

B y a e Bank-Kewaunee
alk
Kewaunee, W s o s n
icni
1 0 6 Highway 42
23
E l s nB y W s o s n
lio a , i c n i

NP -1 - 0 9
11-5

Bac
rnh

B y a e Bank-Kewaunee
alk
K waunee, W s o s n
e
icni
21 N r h 4 hAvenue
7 ot t
Sugo By Wsosn
tren a, icni

NP -1 - 0 9
11-5

Bac
rnh

B y a e Bank-Kewaunee
alk
Kewaunee, W s o s n
icni
3 West Maple Sre
4
tet
Sugo By Wsosn
tren a, icni

NP -1 - 0 9
11-5

Bac
rnh

B y a e Bank-Kewaunee
alk
Kewaunee, W s o s n
icni
636 S u h Bay S o e D i e
ot
hr rv
Sse B y W s o s n
it r a , i c n i

NP -1 - 0 9
11-5

Bac
rnh

B y a e Bank-Kewaunee
alk
Kewaunee, W s o s n
icni
7842 Egg H r o Road
abr
Egg H r o , W s o s n
abr icni

NP -1 - 0 9
11-5




S c i nI-A p i a i n S b e tt Newspaper
eto
plctos ujc o
Ntc O l
oie n y
Cniud
otne
Comment Period
Ending Date

1ym

Apiain
plcto

Bac
rnh

B y a e Bank-Kewaunee
alk
Kewaunee, W s o s n
icni
2260 Bay S t l m n Road
eteet
Green B y W s o s n
a, i c n i

NP -1 - 0 9
11-5

Bac
rnh

B y a e Bank-Kewaunee
alk
Kw
e aunee, W s o s n
icni
9 0 Highway 42
45
Fs Cek W s o s n
ih re, i c n i

NP -1 - 0 9
11-5

Bac
rnh

B y a e Bank-Kewaunee
alk
K waunee, W s o s n
e
icni
9 79 Highway 5
6
7
Busl, W s o s n
rses i c n i

NP -1 - 0 9
11-5

Yl
-

CJSB B n o p r t o
acroain
Columbus J n t o , I w
ucin o a
Columbus J n t o SaeBank
u c i n tt
Columbus J n t o , I w
ucin o a

NP - **




Federal Reserve Bank of Chicago

S c i nI -A p i a i n S b e tt B t Newspaper a d F d r l
eto I plctos ujc o o h
n eea
Rgse N t c
eitr o i e
Comment P r o
eid
Edn Dt
nig ae

Type

Apiain
plcto

Y-2

NBD B n o p Ic
a c r , n.
Dto t M c i a
eri , i h g n
FrtC i a o C r o a i n
is h c g o p r t o
C i a o Ilni
h c g , lios
FCC N t o a Bank
ainl
Wligo,Dlwr
imntn eaae
A erican N t o a C r o a i n
m
ainl opr t o
C i a o Ilni
h c g , lios
American N t o a Bank a d T u t Company
ainl
n rs
C i a o Ilni*
h c g , lios

FR -9 2 - 5
-99
NP -9 2 - 5
-29

Y-2

FrtMidwest B n o p Ic
is
a c r , n.
N p r i l , Ilni
a e v l e lios
CF B n o p Ic
a c r , n.
Dvnot I w
aepr, o a
C t z n F d r l S v n s B n , FSB
iies e e a a i g a k
Dvnot I w *
aepr, o a

FR -9 2 - 5
-09
NP -9 2 - 5
-59

Yl
-

M l o B n s a e , Ic
i t n a c h r s n.
Mlo,W s o s n
itn i c n i
Bank o M l o
f itn
Mlo,W s o s n
itn i c n i *

FR -9 2 - 5
-89
NP -9 2 - 5
-99

Yl
-

FSB C r .
op
Sbet, Ilni
ulte lios
F r e s SaeBank o S b e t
a m r tt
f ulte
Sbet, Ilni*
ulte lios

FR -1 - - 5
069
NP- 1 - - 5
019

Y-2

Dne Bnoprto
etl acroain
Vco, I w
itr o a
Corydon B n o p r t o
acroain
Crdn Iw
oyo, oa
Corydon SaeBank
tt
Crdn Iw*
oyo, oa

PR _*
*
NP -*
*




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

Type

Application

Y-2

Shorebank Corporation
Chicago, Illinois
Indecorp, Inc.
Chicago, Illinois
Independence Bank of Chicago
Chicago, Illinois
Drexel National Bank
Chicago, Illinois*

FR - 8-14-95
NP - 9-27-95

Y-2

First Chicago Corporation
Chicago, Illinois
NBD Bancorp, Inc.
Detroit, Michigan
NBD Illinois Inc.
Park Ridge, Illinois
NBD Indiana, Inc.
Indianapolis, Indiana
NBD Bank
Detroit, Michigan
NBD Bank
Wheaton, Illinois
NBD Bank
Columbus, Ohio
National Bank of Detroit-Dearborn
Dearborn, Michigan
NBD Bank, FSB
Venice, Florida
NBD Bank, N .A.
Skokie, Illinois
NBD Bank
Elkhart, Indiana
NBD Bank, N .A .
Indianapolis, Indiana
Deerfield Federal Savings & Loan Association
Deerfield, Illinois*

FR - 9-29-95
NP - 9-22-95




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

ls
ye

Application

coc

Pinnacle Financial Services, Inc.
St. Joseph, Michigan
Cyrus A. Ansary

FR - 10-2-95
NP - 10-4-95

Y -l

Thumb Bancorp, Inc.
Pigeon, Michigan
Thumb National Bank & Trust Company
Pigeon, Michigan*

FR - 10-25-95

Rigler Investment Co.
New Hampton, Iowa
Nancy A. Rigler
John P. Rigler
Robert P. Rigler

FR - 10-16-95

Sable Bancshares, Inc.
Chicago, Illinois
Community Bank of Lawndale
Chicago, Illinois

FR - 9-1-95
NP - **

COC

Y -l




N P - **

N p . **

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

Type

Application

4(c)(8)

NBD Bancorp, Inc.
Detroit, Michigan
Cash Station, Inc.
Chicago, Illinois
First Chicago Investment Corporation
Chicago, Illinois
First Chicago Capital Corporation
Chicago, Illinois
First Chicago Overseas Investment Corporation
Chicago, Illinois
ANB Mezzanine Corporation
Chicago, Illinois
First Chicago Leasing Corporation
Chicago, Illinois
First Chicago Realty Services Corporation
Chicago, Illinois
First Chicago Trust Company of New York
New York, New York
First Chicago Trust Company (Cayman) Ltd.
Guernsey, Cayman Islands
First Chicago Lease Holdings, Inc.
Chicago, Illinois
Palo Verde Leasing Corporation
Chicago, Illinois
G-W Life Insurance Company
Phoenix, Arizona
First Chicago Capital Markets, Inc.
Chicago, Illinois




Comment Period
Ending Date
FR - 9-29-95

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

lyge

Application

4(c)(8)

First Chicago Corporation
Chicago, Illinois
NBD Insurance Agency, Inc.
Detroit, Michigan
M L Inc.
Detroit, Michigan
BHC Financial, Inc.
Philadelphia, Pennsylvania
Charter Agency, Incorporated
Northfield, Illinois
Corporate Funding, Inc.
Grand Rapids, Michigan
FNW Capital, Inc.
Mount Prospect, Illinois
NBD Brokerage Services, Inc.
Indianapolis, Indiana
NBD Community Development Corporation
Detroit, Michigan
NBD Financial Services of Michigan, Inc.
Traverse City, Michigan
NBD Insurance Company
Detroit, Michigan
NBD Leasing, Inc.
Indianapolis, Indiana
NBD Mortgage Company
Detroit, Michigan
NBD Neighborhood Revitalization Corporation
Indianapolis, Indiana
NBD Real Estate Services, Inc.
Indianapolis, Indiana
NBD Securities, Inc.
Detroit, Michigan
NBD Service Corporation
Belleville, Michigan




Comment Period
Ending Date
FR - 9-29-95

Federal Reserve Bank o f Chicago
Section III - Applications Subject to Federal Register
Notice Only
Continued
Comment Period
Ending Date

Type

Application

4(c)(8)

Pinancle Financial Services, Inc.
St. Joseph, Michigan
Maco Bancorp, Inc.
Merrillville, Indiana
First Federal Savings Bank o f Indiana
Merrillville, Indiana

FR - 10-2-95
N P - 10-4-95

4(c)(8)

W CN Bancorp, Inc.
Wisconsin Rapids, Wisconsin
Purchase up to $4,000,000 of
loans from the Bank

FR - 10-2-95

4(c)(8)

Carroll County Bancshares, Inc.
Carroll, Iowa
to own and operate a finance company
through its subsidiary, Carroll Credit, Inc.,
Carroll, Iowa

FR - 10-4-95

4(c)(8)

ABN AMRO Bank N .V.
Amsterdam, Netherlands
ABN AMRO Holding N .V.
Amsterdam, Netherlands
Stichting Administratiekantoor ABN AMRO Holding
Amsterdam, Netherlands
Stichting Prioriteit ABN AMRO Holding
Amsterdam, Netherlands
to acquire indirectly 100% of the outstanding
voting shares of Alfred Berg, Inc., New York,
New York and thereby engage in certain securities
underwriting and dealing activities.

FR - 10-19-95

4(c)(8)

PSB Corporation
Wellsburg, Iowa
PSB Finance, Inc.
Wellsburg, Iowa

FR - 10-2-95




Federal Reserve Bank of Chicago
Section III - Applications Subject to Federal Register
Notice Only
Continued
Comment Period
Ending Date

Type

Application

4(c)(8)

Greatbanc, Inc.
Aurora, Illinois
Local Loan Company
Chicago Heights, Illinois

FR - 10-10-95

4(c)(8)

Whitney Corporation of Iowa
Atlantic, Iowa
to continue to purchase loan participations

FR - 10-10-95

4(c)(8)

Amcore Financial, Inc.
Rockford, Illinois
Amcore Consumer Finance Company, Inc.
Rockford, Illinois

FR - 10-17-95




Federal Reserve Bank of Chicago
Section IV - Applications Not Subject to Federal Register or Newspaper Notice

Type

Application

ROS

Rigler Investment Co.
New Hampton, Iowa
to redeem 4,500 shares of Stock

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




A V A I L A B I L I T Y OF C R A P U B L I C E V A L U A T I O N S
The f o l l o w i n g state m e m b e r b a n k s have b e e n e x a m i n e d b y the Fe d e r a l Reserve
Bank of Chicago for compliance w i t h the CRA.
The 3 0-d a y b u s i n e s s d a y p e r i o d
the bank has to make the e v a l u a t i o n p u b l i c has l a p s e d d u r i n g the w e e k ending
S e p t e m b e r 29, 1995.
If y o u are i n t e r e s t e d in o b t a i n i n g a c o p y of the
e v a l u a t i o n document, p l e a s e co n t a c t the bank(s) directly.
I d e n t i f i c a t i o n of R a t i n g s
O-An institution in this group has an o u t s t a n d i n g r e c o r d of, and is a leader
in,
a s c e r t a i n i n g a n d h e l p i n g to meet the credit nee d s of its entire
delineated community, including low- and m o d e r a t e - i n c o m e neighborhoods, in a
m a n n e r c o n s i s t e n t w i t h its r e s o u r c e s a n d capabilities.
3-An institution in this group has a s a t i s f a c t o r y r e c o r d of a s c e r t a i n i n g and
h e l p i n g to m e e t the credit needs of its e n tire d e l i n e a t e d community,
including low- and moderate-income neighborhoods, in a m a nner c o n s i s t e n t w i t h
its resou r c e s and capabilities.
N I - A n i n s t i t u t i o n in this g r o u p needs to improve its ov e r a l l r e c o r d of
a s c e r t a i n i n g a n d h e l p i n g to meet the credit needs of its e n t i r e d e l i n e a t e d
community, i n c l u d i n g low- and m o d e r a t e - i n c o m e neighborhoods, in a ma n n e r
c o n s istent w i t h its r e s o u r c e s and capabilities.
SN-An i n s t i t u t i o n in this g r o u p has a s u b s t a n t i a l l y d e f i c i e n t record of
a s c e r t a i n i n g a n d h e l p i n g to meet the credit nee d s of its entire d e l i n e a t e d
community, i n c l u d i n g low- and m o d e r a t e - i n c o m e neighborhoods, in a ma n n e r
c o n s istent w i t h its r e s o u r c e s and capabilities.
BANK NAME/LOCATION

E X A M I N A T I O N DATE

RATI N G S

-Farmers State B a n k of
Breckenridge
316 East S a g i n a w Street
Breckenridge, M i c h i g a n 48615
(517)
842-3191

5/08/95

S

-Clear Lake B a n k & Trust
322 M a i n A v e n u e
P .O . B o x 8
Clear Lake, Iowa 50428
(515)
3 57-7121

6/19/95

S

-Bank of O a k f i e l d
103 M a i n Street
Oakfield, W i s c o n s i n
(414)
583-3191

6/26/95

S




53065

Federal Reserve Bank of St. Louis
FOR THE WEEK ENDING SEPTEMBER 29, 1995

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application
End of Comment Period
None.

A p p Iication

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
End of Comment Period

None.

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application
End of Comment Period
None.

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE
Application
End of Comment Period
Section 9 membership application by Peoples Bank
and Trust Company of Lincoln County, Troy,
Missouri.

*This application is subject to CRA.




N/A

FEDERAL RESERVE BANK OF ST. LOUIS
S . Louis, Missouri
t

AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification o f Ratings:
Outstanding record o f meeting community credit needs
A n institution in this g r o u p h a s a n outstanding record of, a n d is a leader in, ascertaining a n d helping to
m e e t the credit n e e d s of its entire delineated c o m m u n i t y , including l o w - a n d m o d e r a t e - i n c o m e
neighborhoods, in a m a n n e r consistent with its resources a n d capabilities.

Satisfactory record o f meeting community credit needs
A n institution in this g r o u p h a s a satisfactory record of ascertaining a n d helping to m e e t the credit n e e d s
of its entire delineated c o m m u n i t y , including l o w - a n d m o d e r a t e - i n c o m e neighborhoods, in a m a n n e r
consistent with its resources a n d capabilities.

Needs to improve record o f meeting community credit needs
A n institution in this g r o u p n e e d s to im p r o v e its overall record of ascertaining a n d helping to m e e t the
credit n e e d s of its entire delineated c o m m u n i t y , including l o w - a n d m o d e r a t e - i n c o m e neighborhoods, in a
m a n n e r consistent with its resources a n d capabilities.

Substantial noncompliance in meeting community credit needs
A n institution in this g r o u p h a s a substantially deficient record of ascertaining a n d helping to m e e t the
credit n e e d s of its entire delineated c o m m u n i t y , including l o w - a n d m o d e r a t e - i n c o m e neighborhoods, in a
m a n n e r consistent with its resources a n d capabilities.

FOR THE WEEK ENDING

Name of Bank
None




September 29, 1995

Bank Address

Examination
Date

Examination
Rating

FEDERAL RESERVE BANK OF MINNEAPOLIS

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

Application
NONE.
FEDERAL RESERVE BANK OF MINNEAPOLIS

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

Application
FW Financial, Inc., Huron,
South Dakota, to acquire 85.97% of
the voting shares of First Western
Bancorp, Inc., Huron, South Dakota*

October 27, 1995
(Federal Register)

JDOB, Inc., Sandstone, Minnesota,
to acquire 80% of the voting shares of
Prairie National Bank of Belle Plaine,
Belle Plaine, Minnesota, a de novo bank*

October 27, 1995
(Federal Register)

Mountain West Financial, Inc., Helena,
Montana, to acquire 100% of the voting
shares of Bank of Great Falls, N.A.,
Great Falls, Montana, a de novo bank*

October 30, 1995
(Federal Register)

Rocky Mountain Bancorporation, Inc.,
Billings, Montana, to acquire 100% of
the voting shares of N.E. Montana
Bancshares, Inc., Plentywood, Montana*

October 26, 1995
(Newspaper)

★Subject to CRA
FEDERAL RESERVE BANK OF MINNEAPOLIS

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

Application
FW Financial, Inc., Huron, South
Dakota, to acquire First Western
Bancorp, Inc., and thereby indirectly
engage in insurance agency activities
pursuant to section 225.25(b)(8)(iv) of
Regulation Y
FEDERAL RESERVE BANK OF MINNEAPOLIS

Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Noti
Application
NONE.




October 27, 1995
(Federal Register)

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending September 29, 1995
ASSIGNMENT OF RATING
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA
performance, a rating is assigned from the following groups:
OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has an outstanding record of, and is a
leader in, ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.
SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.
NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.
An institution in this group needs to improve its overall record of
ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods,
in a manner consistent with its resources and capabilities.
SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient record of
ascertaining and helping to meet the credit needs of its entire
delineated community, including low-and moderate-income neighborhoods,
in a manner consistent with its resources and capabilities.

BANK(S) EXAMINED

DATE OF EXAMINATION

CRA RATING

The Citizens State Bank
of Ontonagon
501 River Street
Ontonagon, MI 49953
(906) 884-4165

June 27, 1995

Satisfactory




FEDERAL RESERVE BANK OF MINNEAPOLIS

Section V - Availability of
CRA Public Evaluations
week ending September 29, 1995

Continued
BANK(S) EXAMINED

DATE OF EXAMINATION

CRA RATING

Grand Marais State Bank
June 19’ 1995
,
PO Box 100
Grand Marais, MN 55604-0100
(218) 387-2441

Satisfactory

Liberty State Bank
PO Box 64075
St. Paul, MN 55164-0075
(612) 646-8681

October 17, 1994

Satisfactory

Commercial Trust &
Savings Bank
210 North Lawler
PO Box 1366
Mitchell, SD 57301-1366
(605) 996-7755

June 19, 1995

Outstanding

The Northwestern Bank
20 East Central Street
PO Box 49
Chippewa Falls, WI 54729
(715) 723-4461

June 26, 1995

Satisfactory




Federal Reserve Bank o f Kansas City

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION
Prem ier Bank, Lenexa, Kansas, for prior approval to
invest an additional $25,000 in bank premises.

COMMENT PERIOD ENDING DATF.
Not Available

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

COMMENT PERIOD ENDING DATF.

Steven Bangert, Denver, Colorado, for prior approval
to acquire an additional 1.72 percent, for a total of
26.36 percent, and Howard Ross, Chicago, Illinois, to
acquire an additional 1.73 percent, for a total of 25.62
percent, of the voting shares of Equitable Bankshares
of Colorado, Inc., Denver, Colorado.

October 13, 1995

Coronado, Inc., Sterling, Kansas, for prior approval
to acquire 100 percent of the voting shares of Lyons
Bankshares, Inc., Lyons, Kansas.*

October 26, 1995

R. Banking Limited Partnership, Oklahoma City,
Oklahoma, for prior approval to acquire additional
shares o f its subsidiary BancFirst Corporation,
Oklahoma City, Oklahoma, and BancFirst
Corporation, Oklahoma City, Oklahoma, for prior
approval to merge with Johnston County Bancshares,
Inc., Tishomingo, Oklahoma.*

October 27, 1995

UMB Financial Corporation, Kansas City, Missouri,
for prior approval to acquire 100 percent of the voting
shares o f First Sooner Bancshares, Inc., Oklahoma
City, Oklahoma.*

October 27, 1995

Dickinson Financial Corporation, Kansas City,
M issouri, for prior approval to acquire an additional
3.71 percent, for a total of 7.64 percent of the voting
shares o f UMB Financial Corporation, Kansas City,
M issouri.*

Not Available




Federal Reserve Bank o f Kansas City

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

APPLICATION

COMMENT PERIOD ENDING DATE

First National of Nebraska, Inc., Omaha, Nebraska,
for prior approval to engage de novo in certain data
processing activities through First Technology
Solutions, Inc., Omaha, Nebraska.

Not Available

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

APPLICATION
First Broken Arrow Corporation, Broken Arrow,
Oklahoma, for prior approval to redeem 50,000 shares
of its own voting common stock.

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Identification of Ratings
In connection with the assessment of each insured depository institution's CRA perform ance, 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.



Federal Reserve Bank o f Kansas City

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

Bank/Location

Exam Date

CRA Public
Date

Citizens Bank & Trust Co.
P.O . Box 760
Torrington, Wyoming 82240-2709

06/26/95

09/27/95

*Application is subject to CRA.




CRA
Rating
Satisfactory

FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN

APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF SEPTEMBER 25, 1995

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY
APPLICATION

NOTICE EXP

None.

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

** NOTICE EXP

♦Section 3(a)(3) application by
Overton Financial Corporation, Overton, TX, to acquire
additional shares of Longview Financial Corporation,
Longview, TX
(Previously reported during the week of 9-11-95)
♦Section 3(a)(3) application by
Overton Delaware Corporation, Dover, DE, to acquire
additional shares of Longview Financial Corporation,
Longview, TX
(Previously reported during the week of 9-11-95)
♦Section 3(a)(1) application by
Hillister Enterprises II, Inc., Beaumont, TX, to acquire
Umphrey II Family Limited Partnership, Beaumont, TX, Southeast
Texas Bancshares, Inc., Beaumont, TX, and Community Bank,
Beaumont, TX
(Previously reported during the week of 9-18-95)
♦Section 3(a)(1) application by
Umphrey II Family Limited Partnership, Beaumont, TX, to
acquire Southeast Texas Bancshares, Inc., Beaumont, TX,
and Community Bank, Beaumont, TX
(Previously reported during the week of 9-18-95)

95/10/07

95/10/07

95/10/30

95/10/30

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
NOTICE ONLY
APPLICATION

NOTICE EXP

Section 4(c)(8) de novo notification by
Bridgeport Financial Corporation, Bridgeport, TX, to
engage in providing portfolio investment advice and
securities brokerage services through First National
Bridgeport Securities Corporation, Bridgeport, TX

95/10/18




Section 4(c)(8) de novo notification by
Bridgeport Bancshares, Inc., Dover, DE, to engage in
providing portfolio investment advice and securities
services through First National Bridgeport Securities
Corporation, Bridgeport, TX

95/10/18

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

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




SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
FOR THE WEEK OF SEPTEMBER 25. 1995
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 need 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
Texas Heritage Bank
500 W. -Hwy 79
P.0. Box 249
Hutto, TX
78634-0249




Date of
Examination

95/06/19

CRA Ratinq

Sati sfactory

FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 9/29/95
Section I - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Bank of America Nevada, Las Vegas, Nevada,
to establish a remote automated teller
machine in the Gold River Casino, 2700
S. Casino Drive, Laugh!in, Nevada. *

Newspaper:

10/19/95

Section II - Applications Sub.iect to Both
Newspaper and Federal Register Notice
U.S. Bancorp, Portland, Oregon, to acquire and
merge with West One Bancorp, Boise, Idaho, *

Newspaper:

Not available

Fed. Req.:

10/20/95

U.S. Bancorp, Portland, Oregon, to acquire an
option to purchase 19.9 percent of West One
Bancorp, Boise, Idaho. *

Newspaper:

Not available

Fed. Req.:

10/20/95

West One Bancorp, Boise, Idaho, to acquire an
option to purchase 19.9 percent of U.S. Bancorp
Portland, Oregon. *

Newspaper:

Not available

Fed. Req.:

10/20/95

BankWest Nevada Corporation, Las Vegas, Nevada,
to become a bank holding company by acquiring
BankWest of Nevada, Las Vegas, Nevada. *

Newspaper:

Not available

Fed. Req.:

10/27/95

Neighborhood Bancorp, San Diego, California, to
become a bank holding company by acquiring
Neighborhood Development Bank, N.A. (in
organization), San Diego, California. *

Newspaper:

Not available

Fed. Req.:

10/20/95

Sacramento Commercial Bancorp, Sacramento,
California, to become a bank holding company
by acquiring Sacramento Commercial Bank,
Sacramento, California. *

Newspaper:

10/15/95

Fed. Req.:

10/20/95

Robert L. Oltman, Pasadena, California, to
retroactively acquire 11.01 percent of
Marathon Bancorp, Los Angeles, California. *

Newspaper:

Not available

Fed. Req.:

10/20/95

Section III -Applications Sub.iect to Federal Register Only
None

* Subject to CRA.



FEDERAL RESERVE BANK OF SAN FRANCISCO ( c o n t ’ d . )

Week ending 9/29/95

Section IV - Applications Not Sub.iect to Federal Register Notice
or Newspaper Notice
None

Section V - Availability of CRA Public Evaluations
The CRA public evaluations of the institution(s) below became available during the week
ending September 29, 1995. 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
following
four ratings:

is assigned one of the

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

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




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