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Federal Reserve Release
H.2

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

No. 36
W eek E n d in g Septem ber 6 ,1 9 9 7

Board o f Governors o f the Federal Reserve System, Washington, D C 20551




No. 36

ACTIONS TAKEN BY THE BOARD OF GOVERNORS
BANK HOLDING COMPANIES




Huntington Bancshares Incorporated, Columbus, Ohio —to acquire First Michigan
Bank Corporation, Holland, Michigan, and engage in certain trust, securities
brokerage, and credit life insurance activities.
- Permitted, September 2,1997

Additions/Corrections

H.2
ACTIONS TAKEN BY THE BOARD OF GOVERNORS
BANK HOLDING COMPANIES

Swiss Bank Corporation, Basel, Switzerland —request for reconsideration or
modification o f the Board's approval to acquire Dillon, Read Holding, Inc., New
York, New York.
- Denied, August 21,1997
REGULATIONS AND POLICIES




Interstate deposit production offices -- prohibition against use of interstate branches
primarily for deposit production (Board Federal Register document R- 0962).
- Approved, August 22,1997

H.2
August 31,1997 to September 6,1997
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Abbreviations: BS&R - Banking Supervision and Regulation; C&CA - Consumer and Community
Affairs; FOMC - Federal Open Market Committee; RBOPS - Reserve Bank Operations and Payment
Systems; IF - International Finance; OSDM - Office of Staff Director for Management
BANK BRANCHES, DOMESTIC
Atlanta
Colonial Bank, Montgomery, Alabama —to establish a branch at 2941 North
Poinciana Boulevard, Kissimmee, Florida.
- Approved, September 5,1997
Chicago
F&M Bank - Fennimore, Fennimore, Wisconsin -- to establish branches at 302
South Madison, Lancaster; 102 South Main Street, Potosi; and 100 Rosalyn Avenue,
Dickeyville, Wisconsin.
- Approved, September 3,1997
Chicago
F&M Bank-Appleton, Appleton, Wisconsin - to establish a branch at 3000 East
College Avenue.
- Approved, September 2,1997
Chicago
First American Bank, Kankakee, Illinois -- to establish a branch at the northwest
comer of Naperville Road and Boughton Road, Bolingbrook, Illinois.
- Approved, September 3,1997
San Francisco
Santa Barbara Bank & Trust, Santa Barbara, California —to establish a branch at
695 Channel Island Boulevard, Port Hueneme, California.
- Approved, September 2,1997
BANK HOLDING COMPANIES
Boston
Alliance Bancorp of New England, Inc., Vernon, Connecticut —to acquire Tolland
Bank, Tolland, Connecticut.
- Approved, September 5,1997




Page 2

H.2
August 31, 1997 to September 6,1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Chicago
Bank of Montreal, Toronto, Canada, Bankmont Financial Corp., Chicago, Illinois,
Harris Bankcorp, Inc., and Harris Bankmont, Inc. —to retain shares and acquire
additional shares of Cash Station Inc., and engage in certain data processing
activities.
- Permitted, September 3,1997
Minneapolis
Citizens Bancshares of Woodville, Inc., Woodville, Wisconsin —to acquire
Investors Bancorporation, Inc., Hudson, Wisconsin.
- Approved, September 4,1997
San Francisco
Columbia Banking Systems Inc., Tacoma, Washington -- waiver of application to
acquire and merge with Cascade Bancorp, Inc., Auburn, Washington
- Granted, September 2,1997
Cleveland
F.N.B. Corporation, Hermitage, Pennsylvania —to acquire Indian Rocks State Bank,
Largo, Florida.
- Approved, September 5,1997
Kansas City
Gold Banc Corporation, Inc., Leawood, Kansas —to acquire Farmers Bancshares of
Oberlin, Inc., Oberlin, Kansas.
- Approved, September 5,1997
Dallas
International Bancshares Corporation, Laredo, Texas -- to acquire University
Bancshares, Inc., Houston, Texas
- Approved, September 3,1997
General Counsel
JS Investments Limited Partnership, Billings, Montana —determination that it is a
qualified family partnership under the Bank Holding Company Act.
- Granted, September 3,1997




H.2

Page 3

August 31,1997 to September 6,1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
General Counsel
Leake Family Partnership, Jackson, Mississippi —determination that it is a qualified
family partnership under file Bank Holding Company Act.
- Granted, September 3,1997
Chicago
MidCity Financial Corporation, Chicago, Illinois —to acquire Abrams Centre
Bancshares, Inc., Dallas, Texas, and Abrams Centre National Bank.
- Approved, September 3,1997
St. Louis
Midwest Community Bancshares, Inc., Marion, Illinois -- to acquire Bank of
Marion.
- Approved, September 5,1997
General Counsel
Nbar 5 Limited Partnership, Billings, Montana ~ determination that it is a qualified
family partnership under the Bank Holding Company Act.
- Granted, September 3,1997
Minneapolis
Norwest Corporation, Minneapolis, Minnesota —to acquire First Valley Bank
Group, Inc., Los Fresnos, Texas.
- Approved, September 5,1997
Minneapolis
Norwest Corporation, Minneapolis, Minnesota -- to acquire Packers Management
Company, Inc., Omaha, Nebraska.
- Approved, September 5,1997
Atlanta
Pioneer Bankcorp, Inc., Clewiston, Florida —to acquire Development Investments,
Inc., and increase its investment in community development activities.
- Permitted, September 4,1997
General Counsel
Smith Mustang Ltd., Rio Vista, Texas -- determination that it is a qualified family
partnership under the Bank Holding Company Act.
- Granted, September 3,1997




H.2
August 31,1997 to September 6,1997

Page 4

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
BANK MERGERS
Chicago
F&M Bank - Fennimore, Fennimore, Wisconsin —to merge with F&M Bank-Potosi,
Potosi, Wisconsin, and establish branches.
- Approved, September 3,1997
Richmond
First Community Bank, Inc., Buckhannon, West Virginia —to acquire certain assets
and assume certain liabilities of the Man, West Virginia, branch of The Huntington
National Bank, Columbus, Ohio.
- Approved, September 4,1997
CHANGE IN BANK CONTROL
Dallas
First Bancshares of Texas, Inc., Houston, Texas -- change in bank control.
- Permitted, September 3,1997
Dallas
Grimes County Capital Corporation, Houston, Texas —change in bank control.
- Permitted, September 2,1997
Chicago
Northern Bankshares, Inc., McFarland, Wisconsin -- change in bank control.
- Permitted, September 4,1997
Atlanta
St. Mary Holding Corporation, Franklin, Louisiana -- change in bank control.
- Permitted, September 2,1997
Kansas City
Western Oklahoma Bancshares, Inc., Elk City, Oklahoma —change in bank control.
- Permitted, September 4,1997




H.2
August 31,1997 to September 6,1997

Page S

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
COMPETITIVE FACTORS REPORTS
Chicago
AMCORE Bank, N.A., South Central, Monroe, Wisconsin —report on competitive
factors of the proposed merger with AMCORE Bank, Belleville, Belleville,
Wisconsin.
- Submitted, September 3,1997
Chicago
DuPage National Bank, West Chicago, Illinois —report on competitive factors of the
proposed merger with DuPage National Bank (Interim),
- Submitted, September 3,1997
Minneapolis
First National Bank in Winnebago, Winnebago, Minnesota -- report on competitive
factors of the proposed merger with Winnebago Interim National Bank.
- Submitted, September 4,1997
Chicago
Kentland Bank, Newton, Indiana —report on competitive factors of the proposed
acquisition of the assets and assumption of the liabilities of the NBD branch in
Rensselaer, Indiana.
- Submitted, September 3,1997
St. Louis
Mercantile Bank of Central Missouri, Washington, Missouri —report on competitive
factors of the proposed purchase of the assets and assumption of die liabilities of the
Columbia, Jefferson City, Marshall, Mexico, St. James, Sedalia, Rolla, Washington,
and Clinton, Missouri, branches of Roosevelt Bank, Chesterfield, Missouri.
- Submitted, September 4,1997
St. Louis
Mercantile Bank of South Central Missouri, Springfield, Missouri —report on
competitive factors of the proposed purchase of the assets and assumption of the
liabilities of the four Springfield, Missouri, branches of Roosevelt Bank,
Chesterfield, Missouri.
- Submitted, September 4,1997




H.2
August 31,1997 to September 6, 1997

Page 6

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
St. Louis
Mercantile Bank of Southeast Missouri, Poplar Bluff, Missouri -- report on
competitive factors of the proposed purchase of the assets and assumption of the
liabilities of the Hayti, Portageville, Malden, Cape Girardeau, Dexter, Poplar Bluff,
and Sikeston, Missouri, branches of Roosevelt Bank, Chesterfield, Missouri.
- Submitted, September 4,1997
Chicago
Mutual Federal Savings Bank, Muncie, Indiana -- report on competitive factors of
the proposed purchase of the assets and assumption of the liabilities of the Albany,
Indiana, branch of NBD Bank, NA, Indianapolis, Indiana.
- Submitted, September 3,1997
Minneapolis
New Community Bank of New Ulm, New Ulm, Minnesota —report on competitive
factors of the proposed merger with Community Bank of New Ulm.
- Permitted, September 3,1997
Minneapolis
New Peoples State Bank, Bloomer, Wisconsin —report on competitive factors of the
proposed merger with Peoples State Bank.
- Submitted, September 3,1997
St. Louis
Paducah Bank and Trust Company, Paducah, Kentucky —report on competitive
factors of the proposed purchase of certain assets and assumption of certain
liabilities of the Republic Bank & Trust Company's two branches in Paducah,
Kentucky.
- Submitted, September 2, 1997
Chicago
Southeast National Bank of Moline, Moline, Illinois —report on competitive factors
of the proposed merger with Southeast Interim National Bank of Moline.
- Submitted, September 3,1997




H.2

Page 7

August 31,1997 to September 6,1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Chicago
Star Financial Bank, Anderson, Indiana —report on competitive factors of the
proposed merger with Star Financial Bank, Columbia City; Star Financial Bank,
Marion; Star Financial Bank, New Castle; Star Financial Mortgage Company,
Marion; Star Financial Systems, Inc.; and Star Financial Card Services.
- Submitted, September 3,1997
Dallas
Texas National Bank, Baytown, Texas, Texas Bank; and First Bank of Deer Park,
Deer Park, Texas -- report on competitive factors of the proposed merger with
Bayshore National Bank of LaPorte, LaPorte, Texas.
- Submitted, September 5,1997
Dallas
Texas National Bank, Baytown, Texas —report on competitive factors of the
proposed merger with New Bayshore National Bank, LaPorte, Texas.
- Submitted, September 5,1997
St. Louis
Union Planters Bank of Mississippi County, East Prairie, Missouri —report on
competitive factors of the proposed merger with Union Planters Bank of Southeast
Missouri, Cape Girardeau, Missouri.
- Submitted, September 4,1997
Chicago
University National Bank, Chicago, Illinois —report on competitive factors of the
proposed merger with UBN Interim Bank.
- Submitted, September 3,1997
San Francisco
Western Holdings Merger Company, Los Altos, California —report on competitive
factors of the merger with Bank of Los Altos.
- Submitted, September 3,1997
EXTENSIONS OF TIME
Boston
Campello Bancorp, Brockton, Massachusetts -- to engage in loan servicing
activities.
- Permitted, September 2,1997




H.2
August 31,1997 to September 6,1997

Page 8

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
Chicago
Community Financial Corp., Edgewood, Iowa -- extension to December 3, 1997, to
acquire Community Savings Bank, Robins, Iowa.
- Granted, September 2,1997
Chicago
Community Savings Bank, Robins, Iowa —extension to June 3,1998, to become a
member of the Federal Reserve System.
- Approved, September 2,1997




H.2

Additions/Corrections

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY
EXTENSIONS OF TIME
Atlanta




First Citizens Bancorp, Cleveland, Tennessee - extension to November 2,1997, to
convert The Home Bank, Ducktown, Tennessee, to a savings bank and engage in
operating a savings association.
- Granted, August 1,1997

FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

Application

Application

SECTION I - APPL ICATION? SUBJECT TO
NEWSPAPER NOTICE ONLY
Comment Period Ending Date
NONE

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
Comment Period Ending Date

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

Application

Newspaper

Not Yet Istabllihtd

Federal Register

10-03=97

SECTION III - APPLICATIONS SUBJECT TQ
FEDERAL REGISTER NOTICE ONLY
Comment Period Ending Date
NONE

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

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
Institution




Examination Date
NONE

Rating**

SECTION V I - A PPL IC ATIONS BULLETIN

Effective April 21, 1997, information regarding the comment periods associated with
applications and notices submitted to the Federal Reserve Bank of Boston for
processing under section 3 and 4(c ) (8) of the Bank Holding Company Act of 1956, as
amended, will be available 24 hours a day by calling the following
toll-free number 1-800-896-9480.

♦Subject to CRA.
♦♦Rating Definitions:
"O" - Outstanding; "S" - Satisfactory;
Improve; "SN" - Substantial Noncompliance




"N" - Needs to

FEDERAL RESERVE BANK OF NEW YORK
Comment Period
Ending Date
SECTION I
Applications Subject to Newspaper
_____ Notice Only
Great Eastern Bank, Flushing, New York, to establish a branch at
235 Fifth Avenue, New York, New York. 1/

10/01/97

SECTIONn
Applications Subject to Both
Newspaper and Federal Register Notice
Olympian New York Corporation, Brooklyn, New York, to become a
bank holding company by acquiring 100% of the voting shares of
Olympian Bank, Brooklyn, New York.
SECTION III
Nonbanking Applications
/subject to Federal Register Notice Only 1
None.
SECTION IV
Applications Not Involving
Public Comment
None.
SECTION V
Availability of CRA Public Evaluations
In connection with the assessment of each insured depository institution's
CRA performance, a rating is assigned from the following group:
Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and
is a leader in, ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.
Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated
community, including low- and moderate- income neighborhoods,
in a manner consistent with its resources and capabilities.



N/A

N eeds to improve record o f m eeting com m unity 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 6.1997
NAME..O.F BAN|K-

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 DATE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER

N
OTICE ONLY
Sterling Bank. Mount Laurel, NJ, to establish a branch in Mount Laurel Township, Burlington
NJ, pursuant to Section 9 of the Federal Reserve Act.
Newspaper comment period expires: N/Avail

SECTIONII - A
PPLICATIONSRECEIVEDA DSUBJECT TO BOTHNEW
N
SPAPER
AND FEDERAL REGISTER NOTICE
NONE
SECTION III - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL
REGISTER NOTICE ONLY
NONE
SECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL
REGISTER NOTICE OR NEWSPAPER




NONE

FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
The following institutions were examined for CRA. The 30-business day period the bank has
to make the evaluation public has lapsed during the week ending September 5, 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/Locafion

Examination Date

CRA Rating

NONE

NONE

NONE




District
Federal Reserve Bank of Cleveland
A p plications and notifications filed during the w eek endin g 9/6/97

S ection I - A p p lica tio n s s u b je c t to n e w sp a p e r n o tice on ly

Type

Application

Ending date of
comment period

NONE
Footnotes

S ection I I - A p p lica tio n s su b je c t to b o th n e w sp a p e r a n d F e d e ra l R e g iste r notice

Type

Application

Ending date of
comment period

NONE
Footnotes

S ection I I I - A p p lica tio n s su b je c t to F e d e ra l R e g iste r n o tice only

Type

Application

Ending date of
comment period

NONE
Footnotes

Section IV - A p p lica tio n s n o t su b je c t to F e d e ra l R e g iste r o r n e w sp a p e r n o tice

Type

Application
NONE

Footnotes




Ending date of
comment period

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

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

The CRA requires a periodic evaluation of each covered institution regarding the extent to which 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

Institution/ Location
NONE

Footnotes




Examination
date

CRA
public date

CRA
rating

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

NatIsa Only
.
Application

Comment Period Ending Date

Centura Bank, Rocky Mount, North
Carolina, to establish a branch at
1604 South Madison Street, Whiteville,
North Carolina.*

10-2-97

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

Comment Period Ending Date

The Marine BanCorp, Inc., Chincoteague,
Virginia, to become a bank holding
company through the acquisition of
100% of the voting shares of The
Marine Bank, Chincoteague, Virginia.*

9-30-97

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
Bank of Granite Corporation, Granite
Falls, North Carolina, to acquire
GLL & Associates, Inc., Winston-Salem,
North Carolina, and engage in mortgage
banking, providing home, condominium
and planned urban development loans.

♦Application is subject to CRA requirements.



Federal Reserve Bank of Richmond
Section V - Availability of CRA Public Evaluations
Week ending September 5, 1997

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

RSSD
Number
None.




Name of Bank

Examination
Date

Rating

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 5. 1997
Section 1 - Applications Subject to Newspaper Notice Only
Application

Comment Period Ending Date

Compass Bank
10-03-97*
Birmingham, Alabama
To merge with Gainesville State Bank, Gainesville, Florida, pursuant to Section 18(c) of the Federal
Deposit Insurance Act.
Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Application

Comment Period Ending Date

Compass Bancshares, Inc.
10-06-97*
Birmingham, Alabama
Federal Register
To acquire GSB Bancshares, Inc., Gainesville, Florida, and thereby indirectly acquire Gainesville
State Bank, Gainesville, Florida, pursuant to Section 3(a)(3) of the Bank Holding Company Act.
MidSouth Bancorp, Inc.
Not yet available*
Employee Stock Ownership Plan
Lafayette, Louisiana
After-the-fact change in control by MidSouth Bancorp, Inc., Employee Stock Ownership Plan,
Lafayette, Louisiana, to retain 10.57 percent of the outstanding shares of MidSouth Bancorp, Inc.,
Lafayette, Louisiana, pursuant to the Change in Bank Control Act of 1978.
Section 3 - Applications Subject to Federal Register Only
Application

Comment Period Ending Date

None.
Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application
AmTrade International Bank of Georgia
Atlanta, Georgia
Commitment waiver request.

*Subject to provisions of the Community Reinvestment Act.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 5.1997
Section 4 - Applications Not Subject to
Federal Register Notice or Newspaper Notice (cont’dl

Application
MC Bancshares, Inc.
Morgan City, Louisiana
Request for waiver of the application requirements of Section 3(a)(5) of the Bank Holding Company
Act in connection with its proposed merger with Guaranty Bancshares Holding Corporation, Morgan
City, Louisiana, and indirect acquisition of Guaranty Bank and Trust Company of Morgan City,
Morgan City, Louisiana.




Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 5. 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:
Ou tstanding record of meeting community credit needs: An institutionhas 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-incomeneighborhoods, 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-incomeneighborhoods, in a manner consistent
with its resources and capabilities.

Bank

CRA Rating

Coconut Grove Bank
2701 S. Bayshore Drive
Miami, Florida 33133
(305) 856-6666

Satisfactory




Examination Date
05-19-97

Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending September 5.1997
Recently Approved Applications

Approval Date

Colonial Bank
09-05-97
Montgomery, Alabama
To establish a branch located at 2941 North Poinciana Boulevard, Kissimmee, Florida, pursuant to
Section 9 of the Federal Reserve Act.
Pioneer Bankcorp, Inc.
09-04-97
Clewiston, Florida
Expedited notice to acquire DevelopmentInvestments,Inc., Clewiston, Florida, and thereby increase
its investment in community development activities, pursuant to Section225.28(b)(12)of Regulation
Y and Section 4(c)(8) of the Bank Holding Company Act.
St. Mary Holding Corporation
09-02-97
Franklin, Louisiana
After-the-fact notification by Marshall T. Reynolds to retain 11.1 percent of the outstanding shares
of St- Mary Holding Corporation, Franklin, Louisiana, pursuant to the Change in Bank Control Act
0 f 1978.




Federal Reserve Bank of Chicago
Section I - Applications Subject to Newspaper

Notice Only
Comment Period
Ending Date

Xxpe

Application

Merger & Branch

F & M Bank-Fennimore
Fennimore, Wisconsin
F & M Bank - Potosi
Potosi, Wisconsin
F & M Bank - Lancaster
Lancaster, Wisconsin
to establish branches at
302 South Madison
Lancaster, Wisconsin
102 South Main Street
Potosi, Wisconsin
100 Rosalyn Avenue
Dickeyville, Wisconsin

NP - 8-28-97

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

N P - **

Merger & Branch

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

N P _ **

Branch

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

NP - 9-13-97

Branch

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

NP - 9-13-97




Federal Reserve Bank of Chicago

Section I - Applications Subject to.Newspaper
Notice Only cont’d

Comment Period

Ending fiats

Type

Application

Branch

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

NP - 9-3-97

Branch

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

NP - 9-8-97

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



Federal Reserve Bank of Chicago

Section i f ^Applications Subject to Both Newspaper Mid Federal
Register Notice
Comment Period
Ending Date

Type

Application

CoC-HC

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

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

CoC-HC

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

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

3(a)(1)

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

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

3(a)(3)

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

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

3(a)(3)

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

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

3(a)(1)

Marengo Bancshares, Inc.*
Marengo, Illinois
Prairie State Bank (in organization)
Marengo, Illinois

FR - 10-2-97
NP - 10-15-97




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

Type

Application

3(a)(3)

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

3(a)(1)

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

Comment Period
Ending Date
FR - 9-12-97
NP - 9-12-97

FR -10-6-97
JS jp _ * *

3(a)(1)

Mercantile Bank Corporation*
Grand Rapids, Michigan
Mercantile Bank of West Michigan (in organization)
Grand Rapids, Michigan

PR - * *
NP - * *

3(a)(3)

FBOP Corporation*
Oak Park, Illinois
First Capital Bank of Arizona
Phoenix, Arizona

FR - 10-2-97
NP - 9-21-97




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

Type

Application

Ending Pate

NONE

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

Type
NONE




Application

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 5, 1997. If you are interested in obtaining a copy of the evaluation document, please
contact the bank(s) directly.
Identification of Ratings
O-

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

S-

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

NI -

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

SN -

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




BANK NAME/LOCATION
NAB Bank
222 West Cermak Road
Chicago, Illinois 60616-1997
(312) 225-5991
RSSD #209139

EXAMINATION DATE
4/21/97

RATINGS
O

RESERVE B A N K APPLICATIONS BULLETIN

For week ending September 5, 1997

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

End of Comment Period

* Section 9 branch notification by BankTennessee,
Collierville, Tennessee, to establish a branch at 315
Cleveland Street, Ripley, Tennessee.

9-5-97

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

End of Comment Period

* Section 3(a)(3) notification by Union Planters
Corporation, Memphis, Tennessee, to acquire Capital
Bancorp, Miami, Florida.

Newspaper: 10-4-97

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

N/A

Change in control notification involving Litchfield
Bancshares Company, Litchfield, Illinois, by the
Marion P. Yaeger Trust, Grand Rapids, Michigan.

Newspaper: 9-20-97

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE
Application

End of Comment Period

None.

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

* This notification is subject to CRA.



End of Comment Period

RESERVE B A N K APPLICATIONS BULLETIN

For week ending September 5, 1997

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

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

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

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

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

Bank RSSD
Number
None




Name of Bank

Bank Address

Examination
Date

Examination
Rating

RESERVE B A N K APPLICATIONS BULLETIN

For week e d n S p e
n i g e t mber 5 1 9
.97

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

RSSD
Number




Name

City

State

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

Application
Rocky Mountain Bank, Billings, Montana, to establish a branch in
Big Fork, Montana. *

September 5,1997

Rocky Mountain Bank, Billings, Montana, to establish a branch in
Stevensville, Montana. *

September 5,1997

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

Application
NONE.
FEDERAL RESERVE BANK OF MINNEAPOLIS
Section III - Applications Subject
to Federal Register Notice Only

Comment Period
Ending Date

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

NONE.




FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending September 5,1997
ASSIGNMENT OF RATING
Identification of Ratines
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
NONE.




DATE QF EXAMINATION

CRA RATING

Week E d n S p e b r5 1 9
nig etme ,97

F d r lR s r eBank o K n a C t
eea eev
f a s s iy

SECTION 1 - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY

AEELLC
AIIQN

COMMENT PERIOD ENDING DATE

WestStar Bank, Vail, Colorado, for prior approval to
merge with Western Community Bank, Cedaredge,
Colorado, and to establish additional branches.

September 15, 1997

SECTIONn -APPLICATIONS SU
BJECT TO B
OTH
NEW
SPAPER A DFEDERA REGISTER NOTICE
N
L
APPLICATION

COMMENT PERIOD ENDING DATE

Vail Banks, Inc., Vail, Colorado, for prior approval to
acquire 100 percent of the voting shares of Cedaredge
Financial Services, Inc., Cedaredge, Colorado.*

October 6, 1997

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
APPLICATION

COMMENT PERIOD ENDING DATE

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




O t t n i gr c r o m e i gcommunityc e i n e s
usadn eod f etn
rdt e d
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#

Exam Date

CRA Public
Date

Farmers State Bank
& Trust of Superior
411 N. National Street
Superior, Nebraska 68978

385958

06-09-97

09-03-97

Outstanding

St. Marys State Bank
315357
602 W. Bertrand
St. Marys, Kansas 66536-1620

06-16-97

09-03-97

Satisfactory

Farmers State Bank
Main Street
Wallace, Nebraska 69169

06-16-97

09-04-97

Satisfactory

727156

♦Application is subject to CRA.




CRA
Rating

District 11
Federal Reserve Bank of Dallas
A pplications and N otifications Filed D uring the W eek o f Septem ber 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
Type

Application

Comment period
ending date

Change in Control Carmen P. Smith Family Limited Partnership, Wichita Falls, N/A
Notice
TX, only notificant, to acquire an interest in
AmeriBancshares, Inc., Wichita Falls, TX
Change in Control Judy Noe Myers, Dallas, TX, only notificant, to acquire an
interest in Rusk County Bancshares, Inc., Henderson, TX
Notice

N/A

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

**97/09/19

*Section3(a)(3)

Citizens Bankers, Inc., Baytown, TX, to acquire First
National Bank of Bay City, Bay City, TX

N/A

♦Section 3(a)(3)

Texas Financial Bancorporation, Inc., Minneapolis, MN, and **97/09/27
Delaware Financial Inc., Wilmington, DE, to acquire CNB
Bancshares of Victoria, Victoria, TX, and its subsidiaries,
Citizens Bancorp of Delaware, Inc. Wilmington, DE, and
Citizens National Bank, Victoria, TX (Previously reported
during the week of August 25, 1997)

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




F d r lR s r eBank ofD l a
eea eev
als
Section III - A pplications subject to Federal R egister notice only

Type

Application

Comment period
ending date

None.
* Subject to CRA.

Section IV - A pplications not subject to Federal R egister or new spaper notice

Type

Application

Stock Redemption Notice by G-6 Corporation, Mesquite, TX, to repurchase
29,140 shares of its common stock.




Comment period
ending date

Federal Reserve Bank of Dallas
Section V - Publicly available CRA evaluations
Description of the CRA goal against which institutions are evaluated, the four performance levels, and the
institutions for which an evaluation is publicly available.
The CRA requires a periodic evaluation of each covered institution regarding the extent to which is has
ascertained, and helped meet, the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.
The federal bank regulators use the following four performance levels to rate an institution's performance
under CRA:
O utstanding
Satisfactory
Needs to improve
Substantial noncompliance
RSSD
number

Examination
date

Institution/ Location

None.

Section VI - CRA examinations scheduled
Institution
*N/A*
* Not Available.




Q uarter of
Location

CRA
public date

CRA
rating

FEDERAL RESERVE BANK OF SAN FRANCISCO
Week ending 9/5/97
Section I - Applications Subject to Newspaper Notice Only
None
Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Saehan Bancorp, Los Angeles, California, to become a
bank holding company by acquiring Saehan Bank, Los
Angeles, California. *

Newspaper;

Not Available

Fed. Reg.;

9/19/97

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

Newspaper;

Not Available

Fed. Reg.:

9 / 2 9 / 9 7

National Bancorp o f Alaska, In c., Anchorage, Alaska, to
indirectly acquire 9.9 percent of Security First Bank,
Fullerton, California.*

Newspaper:

Not Available

Fed. Reg.:

9/29/97

United Security Bancorporation, Spokane, Washington
to merge with Community Bancorporation, Pullman,

Newspaper:

9/29/97

W ashington.*

Fed Reg:

9/29/97

Section III -Applications Subject to Federal Register Only
None
Section IV - Applications Not Subject to Federal Register Notice
or Newspaper Notice (Cont’d.)
Citizens Bancorp, Agana, Guam to become a bank
holding company through the acquisition of Citizens
Security Bank (Guam), Agana, Guam.

* Subject to CRA.




FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 9/5/97
Section V - Availability o f CRA Public Evaluations
The CRA public evaluations o f the institution(s) below became available during this week. Information
about a particular institution's CRA evaluation may be obtained directly from the institution.

Institution

Location

Examination Date

Rating*

None

*Under the rating system an institution's CRA performance is assigned one o f 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 o f its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.
Satisfactory reco rd of m eeting com m unity 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.
N eeds to Im prove reco rd of m eeting com m unity 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.
S u b sta n tia l N oncom pliance in m eeting com m unity cred it needs: An institution has a substantially
deficient record of ascertaining and helping to meet the credit needs o f 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 ce ofFormations and Mergers o,and A q i i i n b ,Bank Holding
oi
f
custos y
Companies; Change i Bank Control
n
N otices Filed as o f S eptem ber 5 ,1 9 9 7
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 o f
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 o f Governors, no
later than the end o f the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end o f this release.
The public portions o f 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 o f this release. Applications and notices also may be obtained from the
Board.
Applicant o r notificant

Acquiree or activity

1867 Western Financial
Corporation 1),
Stockton, CA
CONTINUED

Capital Corp of the West,
Merced, CA, & Town &
Country Finance & Thrift
Co., Turlock, CA &
Capital West Group, Inc.,
Stockton, CA operating an
industrial loan co. (b)(4);
providing credit life
insurance (b)(l 1);
management consulting
(b)(9); CONTINUED

4

San Francisco

August 26, 1997

1867 Western Financial
Corporation^),
Stockton, CA
CONTINUED

& investment & financial
advice (b)(6)

4

San Francisco

August 26, 1997

1867 Western Financial
Corporation, Stockton,
CA

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

3

San Francisco

September 2, 1997




Section of law

Reserve Bank

End of comment period

A p i a torn t f c n
plcn
oilat

Acquireeora t v t
ciiy

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

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

CIBC

New York

September 10,1997

Altus NBC Corporation,
Inc., Oklahoma City,
OK

NBC Corporation, Inc.,
Oklahoma City, OK, and
NBC Technologies, Inc.,
Oklahoma City, OK
providing data
processing services (bX14)

4

Kansas City

June 25,1997

ANB Corporation,
Terrell, TX

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

3

Dallas

August 25,1997

Anderson Financial
Group, Inc., Golden
Valley, MN

Northern National Bank,
Nisswa, MN

3

Minneapolis

September 18,1997

Arrendale, Thomas A.,
Ill, Gainesville, GA,
Bussey, Cynthia A.,
Atlanta, GA, and
Arrendale, Nelle,
Clarkesville, GA, as
partners in the
Arrendale Undiversified
Family Limited
Partnership,
Baldwin, GA

Habersham Bancorp,
Cornelia, GA, and
Habersham Bank,
Clarkesville, GA

CIBC

Atlanta

June 5, 1997

Associated Banc*
Corp(l), Green Bay, WI
CONTINUED

First Financial Corporation,
Stevens Point, WI,
and First Financial Bank,
FSB, Stevens Point, WI
owning and operating a
savings and loan
association (b)(4);
Appraisal Services, Inc.,
Milwaukee, WI performing
appraisals of real estate &
CONTINUED

4

Chicago

August 15,1997




S c i no law ReserveBank
eto f

End ofcomment p r o
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Associated BancCorp(2), Green Bay, WI
CONTINUED

tangible personal property
(b)(2); & First Financial
Card Services Bank, N.A.,
Stevens Point, WI operating
a
credit card bank (b)(1) and
(2)

4

Chicago

August 15, 1997

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

BBV Latlnvest Securities
Inc.,
New York, NY,
securities’activities (b)(1),
(b)(4), (b)(15), and 00 0 6 )

.4

New York

March 4,1997

Bank Capital
Corporation, Strasburg,
CO

Guaranty Corporation,
Denver, CO

3

Kansas City

September 26,1997

Bank of Elmwood
Employee Stock
Ownership Plan and
Trust, Racine, WI

Elmwood Financial
Corporation, Racine, WI,
and Bank of Elmwood,
Racine, WI

3

Chicago

August 4, 1997

Bank of Idaho Holding
Company,
Idaho Falls, ID

Bank of Eastern Idaho,
Idaho Falls, ID

3

San Francisco

June 9, 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

BankAmerica
Corporation(l), San
Francisco, CA
CONTINUED

all of the assets, & assume
all of the liabilities of
Robertson Stephens &
Company Group
("Group”), & Robertson
Stephen & Company, Inc.
("RS&Co., Inc."),
worldwide in underwriting
& dealing in, to a limited
extent, all types of
CONTINUED

4

San Francisco

September 9, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeora t v t
ciiy

BankAmerica
Corporation^), San
Francisco, CA
CONTINUED

and other securities
activities

4

San Francisco

September*), 1997

Banterra Corp,
Eldorado, IL

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

3

St. Louis

July 18,1997

Barnett Banks, Inc.(l),
Jacksonville, FL; BB&T
Corp., Winston-Salem,
NC; Central Fidelity
Banks, Inc., & Crestar
Financial Corp.,
Richmond, VA; First
American Corp.,
Nashville, TN; First
Citizens BancShares,
Inc., Raleigh, NC;
CONTINUED

through HONOR
Technologies, Inc.,
Maitland, FL, Monetary
Transfer System, L.L.C., St.
Louis, MO, directly &
indirectly in certain data
processing & electronic
funds
transfer services (b)(14)

4

Richmond

September 3, 1997

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

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




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Barnett Banks, Inc.,
Jacksonville, FL

First of America BankFlorida, FSB, Tampa, FL
owning, controlling &
operating a savings
association (bX4)

4

Atlanta

August 15,1997

BB&T Corporation(A),
Winston-Salem, NC
CONTINUED

Craigie Incorporated,
Richmond, VA in
underwriting & dealing in,
to a limited extent, all types
of debt & equity
securities, other than
interests in open end
investment companies;
underwriting & dealing in
bank-eligible securities,
(b)(8);
CONTINUED

4

Richmond

August 20,1997

BB&T Corporation(B),
Winston-Salem, NC
CONTINUED

and other securities and
related activities

4

Richmond

August 20, 1997

Biggs, Daniel Biggs;
Grimes, Merlin; ED&J,
Inc., c/o David Marmie;
Carr, Ronald and Call,
Dennis; and Southard,
R. Joe, all of Great
Bend, KS

First Wakeeney Agency,
Inc., Wakeeney, KS, and
Interstate Bank, Great
Bend, KS

CIBC

Kansas City

July 3,1997

Bloomberg, John Isaac,
Park City, UT

Draper BanCorp, Draper,
UT and Draper Bank &
Trust, Draper, UT

CIBC

San Francisco

August 12,1997

Bloomer Bancshares,
Inc., Bloomer, WI

Peoples State Bank,
Bloomer, WI

3

Minneapolis

September 5,1997

Bryan Family
Management Trust,
Bryan, TX, and BryanHeritage Limited
Partnership, Bryan, TX

Bryan-Heritage Limited
Partnership, Bryan, TX, and
The First National Bank of
Bryan, Bryan, TX

3

Dallas

July 21,1997

Cabot Bankshares, Inc.,
Cabot, AR

The Capital Bank, Cabot,
AR

3

S t Louis

July 11,1997

Cabot Bankshares, Inc.,
Cabot, AR

The Capital Bank, Little
Rock, AR

3

St. Louis

August 11,1997




S c i noflaw ReserveBank
eto

End ofcomment p r o
eid

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

Acquireeora t v t
ciiy

Cabot Bankshares, Inc.,
Cabot, AR
CORRECTION

The Capital Bank, Little
Rock, AR

3

St. Louis

July 11,1997

Caisse Nationale de
Credit Agricole Paris,
France

Credit Agricole Indosuez,
Paris, France, and Indosuez
Investment Management
Services, Inc.,
Menlo Park, CA investment
management and advisory
services (b)(6)

4

Chicago

July 25,1997

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

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

4

New York

August 28, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeora t v t
ciiy

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

dealing to a limited extent
in all types of equity & debt
securities that a state
member bank may not
underwrite and deal in,
except ownership interests
in open-end investment
companies;in making loans
or other extensions of credit
(b)(1);
CONTINUED

4

New York

August 28, 1997

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

in activities related to
extending credit (b)(2); in
providing financial &
investment advisory
services (b)(6); in providing
securities brokerage,
riskless principal, private
placement, futures
commission merchant &
other agency transactional
CONTINUED

4

New York

August 28,1997

Canadian Imperial Bank
of Commerce(4),
Toronto, Canada
CONTINUED

services (b)(7); in
underwriting & dealing in
government obligations &
money market instruments,
providing investments &
trading services & buying
& selling bullion & realted
activities (b)(8)

4

New York

August 28, 1997

Carolina First
Corporation, Greenville,
SC

First Southeast Financial
Corporation, Anderson, SC
& First Federal Savings &
Loan Association of
Anderson, Anderson, SC in
operating a savings & loan
association (b)(4)(ii)

4

Richmond

Septembers, 1997

Cates, Joe Lecil and
Cates, Roger Kevin,
both of Leedy, OK

Western Oklahoma
Bancshares, Inc., Elk City,
OK, and Bank of Western
Oklahoma, Elk City, OK

CIBC

Kansas City

August 11,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

Central Illinois Bancorp,
Sidney, IL

First Ozaukee Capital
Corporation,
Cedarburg, WI, and
First Ozaukee Savings
Bank,
Cedarburg, WI

3

Chicago

June 26,1 9 9 7

Centre 1 Bancorp, Inc.,
Beloit, WI

First Winnebago
Corporation, Winnebago,
IL & First National Bank of
Winnebago

3

Chicago

September 26,1997

Century Bancorp, MHC,
Bridgeton, NJ;
and Century Bancorp,
Inc.,
Bridgeton, NJ

Century Savings Bank,
Bridgeton, NJ

3

Philadelphia

May 1,1997

Century South Banks,
Inc., Dahlonega, GA

Bank Corporation of
Georgia, Macon, GA, and
First South Banks, N.A.,
Macon,
GA, and AmeriBank, N.A.,
Savannah, GA

3

Atlanta

July 18,1997

Chaparral Bancshares,
Inc., Richardson, TX,
and
Chaparral Delaware
Bancshares, Inc., Dover,
DE

Van Alstyne Financial
Corporation, Van Alstyne,
TX, and First National
Bank of Van Alstyne, Van
Alstyne, TX

3

Dallas

August 8, 1997

Citizens Bancshares
Company, Chillicothe,
MO

John Birchfield and Debbie
Keele, the purchase and
servicing of
accounts receivable (b)(1)

4

Kansas City

July 30,1997

Citizens Bankers, Inc.,
Baytown, TX, and
Citizens Bankers of
Delaware, Wilmington,
DE

First National Bank of Bay
City, Bay City, TX

3

Dallas

September 18,1997

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

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

CIBC

Dallas

September 3, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Citizens National
Corporation, Paintsville,
KY

Josephine Bancshares, Inc.,
Prestonburg, KY, and The
Bank Josephine,
Prestonburg, KY

3

Cleveland

July 28,1997

Commerce Bancshares,
Inc., Kansas City, MO,
and CBI-Kansas Inc.,
Kansas City, MO

CNB Bancorp, Inc.,
Independence,
KS, and Citizens National
Bank,
Independence, KS

3

Kansas City

August 8, 1997

Commercial
Bancshares, Inc.,
Texarkana, AR

Citizens State
Bank, Hempstead, TX

3

St. Louis

July 29, 1997

Community Bancshares,
Inc., Butler, MO

Citizens Bank, Appleton
City, MO

3

Kansas City

July 31,1997

Community Bancshares,
Inc., Denver, CO

Upper Rio Grande Bank
Corporation, Del Norte,
CO, and Rio Grande
County Bank, Del Norte,
CO

3

Kansas City

July 28, 1997

Community Financial
Corp., Olney, IL

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

3

St. Louis

September 12,1997

Community First
Bankshares, Inc., Fargo,
ND

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

3

Minneapolis

October 6,1997

Community First
Bankshares, Inc., Fargo,
ND

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

3

Minneapolis

October 6, 1997

Community Holding
Company, Inez, KY

The First National Bank of
Louisa, Louisa, KY, into a
federal-charted stock
savings bank, Inez Deposit
Bank, F.S.B., Inez, KY
savings & loan activities
(bX4)

4

Cleveland

August 26,1997




S c i noflaw ReserveBank
eto

End o comment p r o
f
eid

or activity

S c i no law ReserveBank
eto f

End o comment p r o
f
eid

Community National
Bancorporation,
Waterloo, IA

Community National Bank
(in organization),
Waterloo, IA

3

Chicago

July 29, 1997

Compass Bancshares,
Inc., Birmingham, AL

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

3

Atlanta

October 6, 1997

Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A.(l), Rabobank
Nederland, Utrecht, The
Netherlands
CONTINUED

Smith Graham & Co. Asset
Managers L.P., Houston,
TX, & SGR Global
Advisers, Houston, TX, &
Robeco Institutional Asset
Management US, Inc.,
Houston, TX, & AEA
Global Advisors LLC, New
York, NY, & Robeco
Group, N.V., Rotterdam
CONTINUED

4

New York

July 10, 1997

Cooperative Centrale
RaifFeisenBoerenleenbank,
B.A.(2), Rabobank
Nederland, Utrecht, The
Netherlands
CONTINUED

Smith Graham & Co. Asset
Managers L.P., and SGR
Global Advisors, and
Robeco Institutional Asset
Management US, Inc., and
AEA Global Advisors,
LLC, and Smith Graham &
Co. Asset Managers L.P.,
and SGR Global Advisers,
CONTINUED

4

New York

July 10, 1997

Cooperative Centrale
RaifFeisenBoerenleenbank,
B.A.(3), Rabobank
Nederland, Utrecht, the
Netherlands
CONTINUED

Robeco Institutional Asset
Management US, Inc., and
AEA Global Advisors LLC,
in investment (bX6), as a
general partner to and
providing administrative
services to investment
partnerships, including
placing interests in such
partnerships, CONTINUED

4

New York

July 10, 1997

Cooperative Centrale
RaiffeisenBoerenleenbank,
B.A.(4), Rabobank
Nederland, Utrecht, the
Netherlands
CONTINUED

in acting as a commodity
pool operator, and in
providing administrative
services to open-end
investment companies

4

New York

July 10, 1997




A p i a torn t f c n
plcn
oilat

Acquireeora t v t
ciiy

Cortez Investment Co.,
Cortez, CO

The Cortez State Bank,
Cortez, CO

3

Kansas City

October 6,1997

Cox, Walter L., Sr.,
Naples, TX

Morris County Bankshares,
Incorporated,
Naples, TX;
Morris County National
Bank,
Naples, TX

CIBC

Dallas

April 30, 1997

Crestar Financial
Corporation, Richmond,
VA

American Nat’l Bancorp,
Inc., & American Nat'l
Savings Bank, F.S.B.,
Baltimore, MD acting as
agent in the sale of mutual
funds (b)(7); in the sale of
home mortgage redemption
insurance (b)(l l)(i); and in
the sale of annuities
(b)(l l)(vii)

4

Richmond

August 15, 1997

Crestar Financial
Corporation, Richmond,
VA

American National
Bancorp, Inc., Baltimore,
MD,
and American National
Savings Bank,
F.S.B., Baltimore, MD
operating a
savings and loan
association (b)(4)

4

Richmond

August 15, 1997

Cross County Bank
Employee Stock
Ownership Plan,
Wynne, AR

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

CIBC

St. Louis

August 4, 1997

Dean Financial
Services, Inc., St. Paul,
MN

The First National
Corporation of Aitkin, Inc.,
& The First National Bank
of Aitkin, Aitkin, MN; MidContinent Financial
Services, Inc.,
Bloomington, MN, & State
Bank of Edgerton,
Edgerton, MN; & The First
State Bank of Eden Prairie,
Eden Prairie, MN

3

Minneapolis

August 15, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A ppMranlOF M lifin n t

A*qnlr*e vr artkity

Deposit Guaranty Corp.,
Jackson, MS

CSF Acquisition Corp.,
Jackson,
MS; CitiSave Financial
Corporation, Baton
Rouge, LA; Citizens
Savings Association, F.A.,
Baton Rouge, LA operating
a savings association (b)(4)

4

Atlanta

July 3, 1997

Deutsche Bank, AG
(Main)
Federal Republic of
Germany

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

4

New York

May 12,1997

ECSB Holding
Company, Inc.,
Fort Walton Beach, FL

American National
Financial Corporation,
Panama City, FL and
First National Bank
Northwest Florida,
Panama City, FL

3

Atlanta

June 27, 1997

Edison Bancshares, Fort
Myers, FL

Edison
National Bank (in
organization), Fort Myers,
FL

3

Atlanta

August 1, 1997

Emprise Financial
Corporation, Wichita,
KS

Mid Continent Bancshares,
Inc., El Dorado, KS, & Mid
Continent Federal Savings
& Loan Association, El
Dorado, KS operating a
savings association (b)(4)

4

Kansas City

September 2, 1997

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

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

CIBC

Richmond

July 15, 1997

Exchange National
Bancshares, Inc.,
Jefferson City, MO

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

3

St. Louis

October 2,1997

F.N.B. Corporation,
Hermitage, PA

Indian Rocks State Bank,
Largo, FL

3

Cleveland

September 2, 1997




Sectwn of fcw

Reserve Bnak

End ®f comment period

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

Acquireeora t v t
ciiy

F.N.B. Corporation,
Hermitage, PA

Sun Bancorp, Inc.,
Selinsgrove, PA & Sun
Bank, Selinsgrove, PA, &
Pennsylvania Sun Life
Insurance Company,
Phoenix, AZ providing
credit life &
disability insurance
exclusively to customers of
Sun Bank, Sim Bancorp,
Inc.’s bank subsidiary
(b)(ll)

3 and 4

Cleveland

August 7, 1997

FBOP Corporation, Oak
Park, IL

First Capital Bank of
Arizona, Phoenix, AZ

3

Chicago

October 2, 1997

Fifth Third Bancorp,
Cincinnati, OH

Suburban Bancorporation,
Inc.,
Cincinnati, OH,
Suburban Federal Savings
Bank,
Cincinnati, OH

4

Cleveland

May 27, 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 Fairland
Banshares, Inc.,
Fairland, OK

Fairland Holding Company,
Inc., Neosho,
MO

3

Kansas City

August 1,1997

First Financial
Bankshares, Inc.,
Abilene, TX

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

3

Dallas

September 19, 1997

First Midwest Bancorp,
Inc., Itasca, IL

SparBank, Incorporated,
McHemy, IL, and McHenry
State Bank, McHenry, IL

3

Chicago

July 21,1997

First National
Bancshares of Gallatin,
Inc.,
Gallatin, MO

Interim First National Bank
of Gallatin,
Gallatin, MO,
First National Bank of
Gallatin,
Gallatin, MO

3

Kansas City

June 27, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

First National
Bancshares, Inc., East
Lansing, MI

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

4

Chicago

August 17, 1997

First National Bank
Shares, LTD., Great
Bend,
KS

BankWest (a
de novo bank), Castle Rock,
CO

3

Kansas City

July 25, 1997

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

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

3

Dallas

August 25, 1997

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

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

3

Chicago

September 12, 1997

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

& First State Bank of
Atwood, Atwood, IL

3

Chicago

September 12,1997

First State Bancshares,
Inc., Farmington, MO

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

4

St. Louis

August 1, 1997




S c i no law ReserveBank
eto f

\

End o comment p r o
f
eid

A p i a to n i i c n
p l c n r oiiai

Acquiree o a t v t
r ciiy

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

FirstBank Holding
Company of Colorado,
Lakewood, CO

FirstBank of Parker, Parker,
CO

3

Kansas City

September 19, 1997

Firstbank of Illinois Co.,
Springfield, IL

Geneva Capital
Corporation, Springfield,
IL serving as a broker in IL,
IN & St. Louis, MO for
mortgage loans to
companies engaged in
operating incomeproducing commercial real
estate & in extending credit
& servicing loans (b)(1)

4

Chicago

August 26, 1997

Florida Bancshares, Inc.,
Dade City, FL

First National Bank of
Pasco,
Dade City, FL

3

Atlanta

April 21,1997

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

Franklin Savings Bank,
Farmington, MN

CIBC

Boston

August 28, 1997

FSB Bancorp, MHC,
and FSB Bancorp, both
of Farmington, ME

Franklin Savings Bank,
Farmington, ME

3

Boston

August 28, 1997

George Washington,
Bancorp, Inc., Oak
Lawn, IL

George Washington
Savings Bank, Oak Lawn,
IL

3

Chicago

October 6,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

Gideon Bancshares
Company,
Dexter, MO

First Midwest Bank of
Chaffee,
Chaffee, MO

3

St. Louis

June 20, 1997

Gold Banc Corporation,
Inc., Leawood, KS

Farmers Bancshares of
Oberlin, Inc., Oberlin, KS,
and Farmers National Bank,
Oberlin, KS

3

Kansas City

August 21, 1997

Greenblatt, Leon A., Ill,
and Chiplease, Inc.,
both of Chicago, IL

Home Financial Bancorp,
Spencer, IN, and Owen
Community Bank, S.B.,
Spencer, IN

CIBC

Chicago

July 9, 1997

Greer, Elmo,
East Bemstadt, KY

Cumberland Valley
Financial Company,
London, KY

CIBC

Cleveland

May 23, 1997

Grell, Steven; Bovee
Investment Trust,
Bovee, Michael R.,
Trustee; Tamisiea,
Bruce; Nystrom, Bruce;
Grave, Gary; Cotton,
John M.; & Hultgren,
David M.; all of
Spencer, IA, acting in
concert

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

CIBC

Chicago

August 29, 1997

Harbor, Lacy J.,
Denison, TX

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

CIBC

Dallas

September 4, 1997

Hardin County
Bancshares, Inc.,
Savannah, TN

Majors Insurance Agency,
Inc.,
Adamsville, TN general
insurance agency activities
in a town of less than 5,000
(b)(ll)

4

St. Louis

August 26, 1997

Heartland Bancshares,
Inc., Franklin, IN

Heartland Community
Bank, Franklin, IN

3

Chicago

September 12, 1997

Hibernia Corporation,
New Orleans, LA

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

3

Atlanta

August 11, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

Industrial Bank of
Japan, Ltd.,
Tokyo, Japan

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

4

New York

May 12, 1997

International
Bancorporation, Golden
Valley, MN

Northern National Bank,
Nisswa, MN

3

Minneapolis

September 18, 1997

Intra Financial
Corporation,
Clyde, KS

Peoples Bancorp of
Belleville, Inc.,
Belleville, KS, and
Peoples Bank of Belleville,
Belleville, KS

3

Kansas City

June 20, 1997

Iron Bancshares, Inc.,
Salisbury, CT

The National Iron Bank,
Salisbury, CT

3

Boston

October 2, 1997

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

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

CIBC

Chicago

September 3, 1997

Jacobsen, Sam J.,
Middleton, WI

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

CIBC

Chicago

August 28, 1997

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

JBC Bancshares, Inc.,
Jasper, GA

CIBC

Atlanta

August 12, 1997

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

Kentucky Home Bank,
Bardstown, KY

3

San Francisco

April 17, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

Keene Bancorp
Employee Stock
Ownership Plan Sc
Trust, Keene, TX

Keene Bancorp, Inc.,
Keene, TX & First State
Bank, Keene, TX

3

Dallas

September 2,1997

Keystone Financial,
Inc., Harrisburg, PA

MMC Sc P, Inc., Pittsburgh,
PA employee benfits
consulting services (b)(9)

4

Philadelphia

July 29, 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 of Ventura, CA; &
Lagomarsino, Norma
M; Wood, Catherine S.;
& Wood, Jack W.;
acting in concert, all of
Carpinteria, CA

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

CIBC

San Francisco

August 20, 1997

Landmark Bancorp,
Inc., Margate, FL

Sunniland Bank, Fort
Lauderdale, FL

3

Atlanta

September 19,1997

Lashute, Ronald J.,
Opelousas, LA

American Bancorp, Inc.,
Opelousas, LA
and American Bank Sc
Trust Company,
Opelousas, LA

CIBC

Atlanta

May 23, 1997

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

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

CIBC

Atlanta

July 23, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oifat

Acquireeora t v t
ciiy

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

Locke, E. David,
McFarland, WI

Northern Bancshares, Inc.,
McFarland, WI &
McFarland State Bank,
McFarland, WI

CIBC

Chicago

August 29, 1997

Mahaska Investment
Company, Oskaloosa, IA

Pella State Bank, Pella, IA

3

Chicago

September 12, 1997

Marengo Bancshares,
Inc., Marengo, IL

Prairie State Bank,
Marengo, IL

3

Chicago

October 2, 1997

Maries County Bancorp,
Inc., Vienna, MO

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

3

St. Louis

August 15, 1997

Marshall & Ilsey
Corporation,
Milwaukee, WI

Security Capital
Corporation,
Milwaukee, WI,
Security Bank, S.S.B.,
Milwaukee, WI

3

Chicago

May 5, 1997

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

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

CIBC

Kansas City

September 10,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t i c n
plcn
oilat

Acquireeora t v t
ciiy

Middleburg Bancorp,
Inc., Middleburg, KY

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

4

St. Louis

July 24, 1997

Midwest Community
Bancshares, Inc.,
Marion, IL

The Bank of Marion,
Marion, IL

3

St. Louis

September 2, 1997

Moody Bancshares,
Inc., Galveston, TX, and
Moody Bank Holding
Company, Reno, NV

The Bank of Galveston,
N.A.,
Galveston, TX

3

Dallas

June 30, 1997

Moyer, George H., Jr.,
Madison, NE, and
Moyer, Jon M.,
Madison, NE

Madison Bancshares, Inc.,
Madison, NE, and The
Bank of Madison, Madison,
NE

CIBC

Kansas City

June 26, 1997

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

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

3

Boston

September 19, 1997

Myers, Judy Noe,
Dallas, TX

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

CIBC

Dallas

September 24, 1997

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

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

3

New York

October 3, 1997

National City
Bancshares, Inc.,
Evansville, IN

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

3

St. Louis

June 6, 1997

National City
Bancshares, Inc.,
Evansville, IN

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

3

St. Louis

October 3, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeo a t v t
r ciiy

National City
Corporation, Cleveland,
OH, acting through its
wholly-owned
subsidiary, National
Processing, Inc.,
Louisville, KY

Caribbean Data Services,
Ltd., Dallas, TX in data
processing activities
(b)(14); See Banc One
Corp. 80 Fed. Res. Bull 139
(1994)

4

Cleveland

September 9,1997

New Amboy, Inc., Old
Bridge, NJ

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

3

New York

September 26, 1997

New Broadway, Inc.,
San Antonio, TX

Broadway Bancshares, Inc.,
San Antonio, TX &
Broadway Bancshares of
Delaware, Inc.,
Wilmington, DE; Broadway
National Bank, San
Antonio, TX & Eisenhower
National Bank, San
Antonio, TX

3

Dallas

September 4, 1997

New Prague
Bancshares, Inc., New
Prague, MN

Community Security Bank,
New Prague, MN,
a de novo bank

3

Minneapolis

July 7, 1997

Nichols Bancshares,
Inc., Kenedy, TX &
J.M. Nichols, Inc.,
Dover, DE

First-Nichols National Bank
of Kenedy, Kenedy, TX

3

Dallas

September 2, 1997

North Fork
Bancorporation, Inc.,
Melville, NY

Branford Savings Bank,
Branford, CT

3

New York

September 18,1997

Northside Banking
Corporation, Tampa, FL

Northside Bank of Tampa,
Tampa, FL

3

Atlanta

August 29,1997

Northwest Suburban
Bancorp., Inc. (in
formation),
Arlington Heights, IL

Mount Prospect
National Bank (in
organization), Mount
Prospect, IL

3

Chicago

July 28,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

Norwest Corporation,
Minneapolis, MN

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

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

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

Olympic Bancorp, Port
Orchard, WA

S c i no law R s
eto f
e erveBank
Minneapolis

September 12, 1997

3

Chicago

August 15, 1997

Kitsap Bank, Port Orchard,
WA

3

San Francisco

September 19, 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

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

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

CIBC

Atlanta

June 26, 1997




3 and 4

End o comment p r o
f
eid

A p i a torn t t a t
plcn
otkn

Acquireeora t v t
ciiy

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

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

CIBC

Atlanta

May 30, 1997

PBT Bancshares, Inc.,
McPherson, KS

Yoder Bankshares, Inc.,
Yoder, KS, and Farmers
State Bank,
Yoder, KS

3

Kansas City

June 6, 1997

Peoples Bancorp, Inc.,
Marietta, OH

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

4

Cleveland

August 1, 1997

Peoples Bank
Employee Stock
Ownership Trust,
Marion, KY

Peoples-Marion Bancorp,
Inc.,
Marion, KY

3

St. Louis

June 12,1997

Peoples Commercial
Bancorp, Inc., Stilwell,
OK

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

3

Kansas City

September 26,1997

Peoples Community
Bancshares, Inc.,
Colquitt,
GA

Farmers Bank of Malone,
Malone, FL

3

Atlanta

July 14, 1997

Peoples Community
Bancshares, Inc.,
Colquitt,
GA

Farmers Bank of Malone,
Malone, FL

3

Atlanta

August 11, 1997

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

Elderton State Bank,
Elderton, PA

3

Cleveland

August 25, 1997

Peoples-Marion
Bancorp, Inc.,
Marion, KY

The Peoples Bank,
Marion, KY

3

St. Louis

June 12, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f e n
plcn
oilat

Acquireeora t v t
ciiy

Plainview Holding
Company,
Pilger, NE

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

3

Kansas City

June 23, 1997

Planters Sc Merchants
Bancshares, Inc.,
Heame,
TX, Sc 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., Sc
Pederson, Roland
C., both of Burlington,
OK

B-K Agency, Inc. Hardtner,
KS, Sc The Fanners State
Bank, Hardtner, KS

CIBC

Kansas City

September 10, 1997

Premier Financial
Bancorp, Inc.,
Georgetown,
KY

The Sabina Bank, Sabina,
OH

3

Cleveland

August 21, 1997

Prestige Financial Corp.,
Flemington, NJ

PSC Financial Services,
Inc., Flemington, NJ
securities brokerage
activities (b)(7(i)

4

New York

September 16, 1997

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

Independent Bancshares,
Inc., Powder Springs, GA

CIBC

Atlanta

August 29, 1997

Proffitt, Richard Todd,
Pigeon Forge, TN

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

CIBC

Atlanta

August 5, 1997

Progress Bancshares,
Inc., Sullivan, MO

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

3

St. Louis

August 8, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p t a Ufrmtiftywi
ptoi i

A ^ r we o a t v t
eti
r ciiy

Provident Financial
Group, Inc., & FGB1
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

Regions Financial
Corporation,
Birmingham, AL

Griffin Federal Savings
Bank, Griffin, GA operating
a savings association (b)(4)

4

Atlanta

September 15, 1997

Remington, Thomas J.,
and S. June, both of
Lincoln,
NE, and Remingrton,
Ada E., McCook, NE

Clatonia Bancshares, Inc.,
Clatonia, NE, and
Farmers Bank of Clatonia,
Clatonia, NE

CIBC

Kansas City

July 18, 1997

Republic Bancshares,
Inc.,
St. Petersburg, FL

F.F.O. Financial Group,
Inc.,
St. Cloud, FL, and First
Federal Savings and Loan
Association of Ocelola
County, Kissimmee, FL,
operating a savings
association (b)(4)(ii)

4

Atlanta

May 23, 1997

Rockdale National
Bankshares, Conyers,
GA
CORRECTION

Rockdale National Bank,
Conyers, GA

3

Atlanta

August 22, 1997

Rockdale National
Bankshares, Inc.,
Conyers, GA

Rockdale National Bank,
Conyers, GA

3

Atlanta

August 25, 1997

Rockdale National
Bankshares, Inc.,
Conyers, GA

Rockdale National Bank,
Conyers, GA

3

Atlanta

August 22, 1997

Rossenberg, Clifford R.,
Sunset Beach, CA

Security First Bank,
Fullerton, CA

CIBC

San Francisco

May 27, 1997

Saehan Bancorp, Los
Angeles, CA

Saehan Bank, Los Angeles,
CA

3

San Francisco

September 19,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

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

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

3

New York

September 10, 1997

Security Bancshares,
Inc.,
Scott City, KS

Intra Financial Corp., and
Exchange Bank of Clyde,
Clyde, KS; Farmers State
Bancshares
of Sabetha, Inc., Sabetha,
KS; Farmers
State Bank, Sabetha, KS;
Peoples Bancorp of
Belleville, Inc., and Peoples
Bank of
Belleville, Belleville, KS

3

Kansas City

June 20, 1997

Security State
Corporation,
Centralia, WA

Security State Bank,
Centralia, WA

3

San Francisco

June 9, 1997

Sephar, David L.,
Kansas City, KS

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

CIBC

Kansas City

July 25, 1997

Shields, James Homer,
III, London, England

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

CIBC

St. Louis

September 24, 1997

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




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeora t v t
ciiy

Spanjer, Leland, Cozad,
NE, in his capacity as
Personal Representative
of the Estate of Clifford
G. Young

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

CIBC

Kansas City

August 11, 1997

Spectrum
Bancorporation, Inc.,
Omaha, NE

First Savings & Loan
Association of South
Dakota, Inc., Aberdeen, SD
in the operation of a savings
association (b)(4)

4

Minneapolis

September 26, 1997

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

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

CIBC

Kansas City

August 5, 1997

Sterling Bancshares,
Inc., Houston, TX

First Houston Bancshares,
Houston, TX, and Houston
National Bank, Houston, TX

3

Dallas

July 21, 1997

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

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

4

New York

August 21, 1997

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

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

3

Dallas

September 26, 1997

The Bank of Mulbeny
Employee Stock
Ownership
Trust,
Mulberry, AR

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

3

St. Louis

June 23, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

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

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

3

New York

August 18, 1997

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

Chase Trust Company,
National Association, Los
Angeles, CA

3

New York

August 18, 1997

The Marine BancCorp,
Inc., Chincoteague, VA

The Marine Bank,
Chincoteague, VA

3

Richmond

October 6, 1997

TNB Bancorporation,
Inc., Brenham, TX, and
TNB
Bancorporation of
Delaware, Inc.,
Wilmington, DE

Texas National Bank,
Brenham, TX

3

Dallas

July 29, 1997

Triangle Bancorp, Inc.,
Raleigh, NC

Bank of Mecklenburg,
Charlotte, NC

3

Richmond

August 1, 1997

Union Bancshares, Inc.,
Fargo, ND

Union State Bank of Fargo,
Fargo, ND

3

Minneapolis

September 15, 1997

Union Planters
Corporation(l),
Memphis, TN
CONTINUED

Magna Bancorp, Inc.,
Hattiesburg, MS, &
Magnolia Federal Bank for
Savings, Hattiesburg, MS
indirectly
acquiring a federal savings
bank (b)(4); & Magna
Mortgage Co., Hattiesburg,
MS originating & servicing
mortgage loans (b)(1)
CONTINUED

4

St. Louis

August 15, 1997

Union Planters
Corporation^),
Memphis, TN
CONTINUED

& in providing real estate
appraisal & inspection
services (b)(2)

4

St. Louis

August 15, 1997

Union Planters
Corporation, Memphis,
TN

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

3

St. Louis

October 3, 1997




S c i no law ReserveRank
eto f

End o comment p r o
f
eid

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

Acquireeora t v t
ciiy

Union Planters
Corporation, Memphis,
TN, and its whollyowned bank holding
company
subsidiary, Capital
Bancorporation, Inc.,
Memphis, TN

Sho-Me Financial
Corporation, Mt. Vernon,
MO, and its wholly-owned
savings association
subsidiary, 1st Savings
Bank, f.s.b., Mt. Vernon,
MO in operating a savings
institution (b)(4)(H)

4

St. Louis

September 4,1997

United Bankshares, Inc.,
Charleston, WV

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

3

Richmond

June 16,1997

UST Corp. Boston, MA
CORRECTION

Firestone Financial Corp.,
Newton, MA in installment
loan and lease financing
activities to commercial
customer (b)(1) & (b)(3)

4

Boston

September5, 1997

UST Corp., Boston, MA

Firestone Financial Corp.,
Newton, MA in installment
loan & lease financing
activities to commercial
customers (b)(1) & (b)(3)

4

Atlanta

September 15, 1997

Vail Banks, Inc., Vail,
CO

Cedaredge Financial
Services, Inc., Cedaredge,
CO

3

Kansas City

October 6, 1997

Valcourt, Jeffery T.,
Arlington, VA

United Financial Banking
Companies, Inc.,
Vienna, VA, and
The Business Bank,
Vienna, VA

CIBC

Atlanta

June 5, 1997

Valley National
Corporation, Lanett, AL

Valley National Bank of
Lannett, Lanett, AL

3

Atlanta

Septembers, 1997

Wachovia Corporation,
Winston-Salem, NC

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

3 and 4

Richmond

September 26, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Acquireeo a t v t
r ciiy

Wachovia Corporation,
Winston-Salem, NC

Jefferson National Bank,
Charlottesville, VA and
Jefferson National Bank,
Charlottesville, VA

3

Richmond

August 18, 1997

Wachovia Corporation,
Winston-Salem, NC

1st United Bancorp, Boca
Raton, FL, & First United
Bank, Boca Raton, FL, &
United Bancorp’s
subsidiary, Island
Investment Service, Inc.,
Palm Beach, FL in
securities brokerage
activities (b)(7)(i)

3

Richmond

September 15, 1997

Young, David E.,
Chattanooga, TN

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

CIBC

Atlanta

July 22, 1997

Young, Susan Aileen,
Chicago, IL

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

CIBC

Kansas City

August 5, 1997

Zions Bancorporation,
Salt Lake City, UT

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

3

San Francisco

September 22,1997

Zions Bancorporation,
Salt Lake City, UT

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

3

San Francisco

September 15,1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

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

Addresses fo r Comments
Comments on the applications and notices may be sent to the appropriate Federal 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 Manfes, Assistant Vice President, 925 Grand Avenue, Kansas City, MO 64198-0001
Federal Reserve Bank of Dallas
Genie D. Short, Vice President, 2200 North Pearl Street, Dallas, TX 75201-2272
Federal Reserve Bank of San Francisco
Pat Marshall, Manager of Analytical Support, Consumer Regulation Group, 101 Market Street, San
Francisco, CA 94105-1579
Board of Governors of the Federal Reserve System
William W. Wiles, Secretary, 20th & Constitution Avenue, N.W., Washington, DC 20551-0001




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




H.2A
N t c o Formations and Mergers o,and A q i i i n b ,Bank Holding
oie f
f
custos y
Companies; Change i Bank Control
n
Notices Filed since the H.2A dated September 5,1997
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

Albrecht Financial
Services, Inc., Norwalk,
IA

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

3

Chicago

October 9, 1997

Carruth, Johnny Bob,
Lubbock, TX;
Cleveland, Walter
Charles, Idalou, TX;
Hobgood, Robert
Charles, Haskel, TX;
Morris, Kim Holder,
Houston, TX; Thigpen,
Joseph Emitt, Haskell,
TX; Toliver, Bailey Lee,
Haskell, TX, & Toliver,
Samuel Ray, Haskell,
TX

First Haskell Bancorp, Inc.,
Haskell, TX & First
National Bank, Haskell, TX

CIBC

Dallas

September 26,1997

Citizens Bankers, Inc.,
Baytown, TX

First National Bank of Bay
City, Bay City, TX

3

Dallas

October 6, 1997

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

Mercantile Bank of
Southwest Florida, Naples,
FL

3

Cleveland

October 10, 1997




Section of law

Reserve Bank

End of comment period

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

Acquireeo a t v t
r ciiy

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

Gilinski, Jaime, Santafe
de Bogota, Columbia

Eagle National Holding
Company, Inc., Miami, FL

CIBC

Atlanta

October 1, 1997

Heath, Craig Dwight,
Phoenix, AZ

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

CIBC

St. Louis

October 1,1997

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

MainStreet BankGroup
Incorporated,
Martinsville, VA

Commerce Bank
Corporation, College Park,
MD

3

Richmond

October 6, 1997

Mercantile Bank
Corporation, Grand
Rapids, MI

Mercantile Bank of West
Michigan, Grand Rapids, MI

3

Chicago

October 9, 1997

MidSouth Bancorp, Inc.,
ESOP, Lafayette, LA

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

CIBC

Atlanta

September 30, 1997

Olympian New York
Corporation, Brooklyn,
NY

Olympian Bank, Brooklyn,
NY

3

New York

October 9, 1997

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

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

CIBC

Atlanta

September 30, 1997




S c i no law ReserveBank
eto f

End o comment p r o
f
eid

A p i a torn t f c n
plcn
oiiat

Acquireeora t v t
ciiy

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

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

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

CIBC

Chicago

October 1,1997

Voorhees, Steven L.,
Harvard, NE

Harvard State Company,
Harvard, NE & Harvard
State Bank, Harvard, NE

CIBC

Kansas City

September 29, 1997

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

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

CIBC

St. Louis

September 26, 1997




S c i no law ReserveBank
eto f

End ofcomment p r o
eid

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

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




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




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