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December 9, 1989 • The Journal of Banking and Finance Since 1894 • Voi 174, No. 49

NBD Opens Office

IN THIS ISSUE
■■■
Gazelles inNebraska . . .page 4
S.D. Law................ . .page 4
Detroit gets EFT .... . .page 4
GrandRapids deal.... . .page 4
Personnel items...... . .page 5

RESEARCHLIBRARY

DEC 13 1989
NBD, Grand Rapids, Mich., recently opened an office in Wyoming, Mich. The full-service office
(1825 44th St. at Burlingame) is open Monday through Saturday and features a drive-up window
and 24-hour ATM. The 3,400-square-foot branch is NBD’s 39th in the Grand Rapids area and
employs eight people. Tammy Schierbeek, branch manager, is responsible for personal loans,
deposits and new business. “ We are looking forward to providing ‘high touch’ service to our
current customers as well as new customers in the fast-growing Burlingame and 44th St. area,”
she said.

federal reserve bank

00004059

022Ö 90

OF MINNEAPOLIS

Bank, Patrol Team For Kids

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First Bank in Billings and the Montana
Highway Patrol are joining to bring a se­
lect group of special education children
their merriest Christmas yet.
The organizations have raised a re­

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Federal Reserve Bank of St. Louis

cord total of nearly $ 1 ,8 0 0 to buy
Christmas toys, clothing and food for
developmentally disabled preschoolers
from underprivileged families.

C o rre s p o n d e n t B a n k in g S e rv ic e s
I«

Consider our bankwide
correspondent services to
satisfy your customers' needs. "
•

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•

I

le r r y M a rtin

MNB Correspondent
Banker

T o g e th e r we can a c c o m p lis h g reat th ing s.

Call us at 319-368-4700 or 1-800-332-5991.

Merchants National Bank m
C e d a r R a p id s, Io w a 52401

M ember F D I C

A BANKS OF IOWA BANK

P A R TIA L LIS T O F A V A IL A B L E
B A N K IN G P O S IT IO N S
COMMERCIAL LOAN OFFICER

AVP-TAX SPECIALIST

Midwestern bank needs a 2-3 year commercial lender/business developer. Needs
good documentation and interpersonal skills. Will work directly with EVP handling
a $1 Omil portfolio. Great exposure.

Opportunity at a $7 billion bank for a 3-5 year, degreed individual. Experience in
fiduciary taxes; strong communication and leadership skills are necessary. Great
benefits and relocation paid.

J01200

J01205

$35,000

$35,000

VP PERSONAL TRUST

JUNIOR LOAN OFFICER

Major trust organization needs an astute, personal trust business developer. 5
years minimum experience. Position is open due to an expanding marketplace.
Pension knowledge and JDare beneficial. Relocation paid.

Aggressive, business developer needed for a downstate commercial loan officer
position, with exposure to Ag lending. Credit analysis skills and documentation
experience are mandatory. 1-2 years experience will qualify.

J01201

J01206

UP TO $60,000 BASE

$23,000

COMMERCIAL REAL ESTATE LENDER

CHIEF FINANCIAL OFFICER

Aggressive suburban bank part of a major holding company seeks a 2 year com­
mercial real estate lender. Formal credit training nice, but hands on account expe­
rience is more beneficial. Great chance to prosper in an exciting market.

Upper midwest opportunity for successful candidate with 10+ years experience
as a CFO for a $100 million + asset sized bank. Accounting, investment, acquisi­
tion and some DP skills needed. CPA and MBA would be nice.

J01202

J01207

$33,000

TO $65,000

TRUST OPERATIONS OFFICER

AVP-AG LENDING OFFICER

Outstanding opportunity for a degreed operations officer with a strong accounting
background. Need experience in automated trust system. Individual will be re­
sponsible for new $200 million employee benefit account. Advancement opportu­
nities are excellent.

Strong community bank is searching for agricultural lender with 3 + years experi­
ence. Must have good public appearance with strong business development
skills. Possible promotion to head of all lending after one year for the riqht deqreed
Individual.

J01203

J01208

$40,000 + BONUS

$30,000

AVP-COMMERCIAL LOAN OFFICER

CREDIT ANALYST

Major suburban bank Is searching for commercial loan officer with 4 + years of
middle market commercial lending experience. Would like big bank credit training
background. Must have proven business development skills. Excellent chance for
rapid advancement.

Money center bank needs credit analyst to assist calling officers initially. MBA is a
must. Proficiency in Lotus and ability to analyze Fortune 1000 companies Is bene­
ficial.

J01204

$42,000

J01209

$40,000

iA NKERSEE)

B►ANKERSfp
P A R TIA L L IS T O F A V A IL A B L E
B A N K IN G C A N D ID A T E S
VP-AG LENDER

SENIOR TRUST OFFICER

Do you want one of the best? This individual has a solid background In all areas of
Ag lending. Has the ability to handle work-outs and develop new business. Excel­
lent number two man in rural bank with supervisory experience.

Business development natural has law degree and extensive managerial back­
ground. This candidate is seeking a top level trust position. Willing to relocate.

CA1200

CA1205

$60,000

$38,500
BANK AUDITOR

EMPLOYEE BENEFITS OFFICER

Outstanding employee benefits trust candidate with experience in accounting,
administration and to a lesser extent Investments. Excels in business develop­
ment, handles 80 accounts and is hungry for more.
CA1201

Certified Internal Auditor with audit experience in investments, commercial and
consumer lending, pension reporting and branch operations. Responsible for over
$360K of cost recoveries. Make your bank more efficient with this candidate.
CA1206

$34,000

$31,000
COMMERCIAL LOAN OFFICER

CHIEF EXECUTIVE OFFICE

All purpose CEO, has excelled in turnaround situations as well as with profitable
institutions. Seeks upper midwest opportunity. Has over 20 years of outstanding
achievements in all lending, investment and operations areas.

High energy person that thrives on hard work. Extensive experience in middle
market commercial lending with some real estate background. Has some supervi­
sory experience. Strong credit skills. Increased fee Income over 67% last year.
MBA.

CA1202

CA1207

$70,000

$49,500

AVP COMMERCIAL LENDER

LOAN REVIEW

Top notch academic credentials will follow this aggressive, business developer.
Successfully covering the Fortune 500, this candidate is ready for the opportunity
to blossom. Currently at a major domestic bank with some international experi­
ence.

Experienced 10+ year credit professional who has significant background in
business cycles. Currently reviews all types of commercial loans, Including real
estate. Former federal examiner with strong written and verbal skills.

CA1203

CA1208

$46,000

$44,000
CASH MANAGEMENT OFFICER

VP-EVP

Small bank executive with 20 years experience has mastered all facets of a financial institution. Due to absentee ownership, virtually ran the bank. Seeks an upper
management position with a $100 million bank or smaller in the midwest. Very
smooth in dealinq with people.
CA1204

This CPA has successful experience in both bank and corporate cash manage­
ment. Also, has investment portfolio management and treasury experience. A true
professional with top notch image.
CA1209

$38,000

II

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NBD Adds Electronic Funds Transfer Services
National Bank of Detroit now offers a
program of electronic clearing services
to financial institutions.
Routing payments through NBD al­
lows participating financial institutions
and their corporate customers to re­
ceive electronic payments and remit-

tance detail in most formats from any
source including the automated clearing
house and specialized corporate pay­
ment networks.
Banks participating may offer corpo­
rate customers state-of-the art elec­
tronic funds transfer and electronic data

First Of America Buys PrimeBank
First of America Bank Corp., Kalama­
zoo, acquired Prim eBank of Grand
Rapids as a subsidiary. The agreement,
which was approved by the board of di­
rectors of each company, is subject to
approval by shareholders of PrimeBank
and by regulators.
First of America agreed to pay $30
cash for each of PrimeBank’s outstand­
ing shares. PrimeBank has more than 1

million shares outstanding.
PrimeBank, a federal savings bank,
has assets of $413 million. The bank has
13 Michigan offices serving Grand
Rapids, Holland, Rockford, Belding,
Jenison, Wyoming and Grandville.
First of American Bank Corp., which
has $12.5 billion in assets, has 45 affili­
ate banks with 420 offices in Michigan,
Illinois and Indiana.

Norwest, Neb., Donates To Zoo
Norwest Bank Nebraska gave Oma­
ha’s Henry Doorly Zoo $5,000 to buy
two female dama gazelles. The donation
was made at a ribbon-cutting ceremony

as part of the bank’s grand re-opening
activities at its remodeled downtown fa­
cility.

interchange receipt and information ser­
vices on the same day as settlement.
NBD’s in-house treasury cash manage­
ment information system (CASHNET)
enables banks to deliver remittance de­
tail to their corporate customers in usa­
ble formats.

Norwest, S.D.,
Funds Law
School Students
Norwest Bank South Dakota will pro­
vide up to $675 million in the next sev­
eral years to help finance law school for
students across the country. The com­
mitment is in addition to more than $500
million N orw est has loaned to law
school students over the past three
years.
The new commitment is through
Norwest’s program called LAWLOANS.
Norwest has the principal role of orig­
inating LAWLOANS nationwide. It also
contracts with HEMAR Service Corp.
All stu d en t loans origin ated by
Norwest anywhere in the country are
processed by its Student Loan Center in
Sioux Falls, S.D. Norwest has balances
outstanding for all types of student loans
totaling more than $360 million.

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NORTH W ESTERN FINANCIAL REVIEW (ISSN 1042-1254) is published 51 times per year on consecutive Saturdays commencing the first Saturday in January and ending the
third Saturday in December (24 issues of a magazine published twice a month, and 27 issues of a newsletter published all other Saturdays) by Financial Communications Inc.,
2850 Metro Drive, Suite 704, Bloomington, MN 55425. Telephone (612) 854-2177. Circulation audited by Audit Bureau of Circulation. Second class postage paid at Minneapolis,
Minnesota 55401, and additional mailing office. Postmaster: Send address changes to Northwestern Financial Review, 2850 Metro Drive, Suite 704, Bloomington, MN 55425.
Subscription Rates: United States, 1 yr. $57.00; Canada, 1 yr. $62.00; Foreign, 1 yr. $67.00, single copies $3.00. Absolutely no refunds for early subscription cancellation.
NORTH W ESTERN FINANCIAL REVIEW does not assume responsibility for the writings or statements of others not directly connected with this publication. Reprints
available from Financial Communications Inc., 2850 Metro Drive, Suite 704, Bloomington, MN 55425; (612) 854-2177, fax 612-854-2627.

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Federal Reserve Bank of St. Louis

Colorado

The Colorado Bankers Association
hired Dick Schrader as marketing repre­
sentative for Mountain Banks Insurance
Services and Chris Johnson as CBA/MBIS
business manager and treasurer.
Schrader has more than 30 years of
general insurance experience in all
areas of property and casualty and em­
ployee benefits. He is a graduate of
Michigan State University.
Johnson came to the CBA from a Col­
orado community bank where he was
vice president/cashier, responsible for
the bank’s operations, personnel admin­
istration, investment, and cash manage­
ment and data processing. He also was
in charge of general ledger analysis and
converted the entire bank to a new data
processing system.
He has a bachelor’s degree in ac­
counting and is a CPA.

United Bank of Denver promoted six
employees.
Deborah A. Baker, Thomas E. Bowman Jr.,
Debbie A. Frame and Jim Mexdorf were
named assistant vice presidents. Joanne
Klein and Robert K. Meine were promoted

to asset management officers.
Baker currently works in funds management/investment banking. She has a
degree from Regis College and joined
the bank this year.
Bowman, sales manager of the conve­
nience banking market in consumer
banking, joined the bank in 1980. He has
a degree from Regis College.
Frame, previously with United Bank
of Skyline, joined United this year. She
is a commercial lender in the small busi­
ness banking department of consumer
banking and has a bachelor’s degree
from the University of Colorado at Boul­
der.
Mexdorf, a sales manager in con­


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Federal Reserve Bank of St. Louis

sumer banking, has a degree from the
University of Iowa. He joined the bank
in 1983.
Klein, a trust tax manager in United
Asset Management Services, joined the
bank this year. She has a bachelor’s de­
gree from Mercyhurst College.
Meine is an operations manager in
United Asset Management Services.
He has an associate degree from the
University of Maryland and joined the
bank in 1988.

OmniBancorp appointed James Marsico
executive vice president of OmniBank
Arvada. M arisco has more than 20
years’ commercial banking experience,
including 18 years in the Arvada com­
munity. He was most recently affiliated
with the First National Bank of Arvada.

Bankers Trust Co., Des Moines, pro­
moted Anne Fultz to assistant vice presi­
dent and loan review manager from loan
review manager in credit administration
. Sarah Norman was promoted to vice
president from assistant vice president
in com m ercial banking. Roy P atton
climbed to assistant vice president in in­
vestments from being investments offi­
cer. James Greenfield was promoted to as­
sistant vice president and controller
from assistant vice president in cost ac­
counting finance.

Vicki L. Angove was appointed assistant
trust officer at Waterloo Savings Bank.
Angove has a bachelor’s degree from
the University of Northern Iowa. She
has more than 10 years of experience in
accounting with the CPA firm of McGladrey & Pullen in Waterloo, most re­
cently as manager of accounting ser­
vices.

David B. Bryant was named assistant
vice president of Iowa correspondent
and corporate sendees at First Inter­
state Bank of Des Moines. He had been
a commercial banking officer.
Mark C. Hewitt was named assistant
vice president of commercial lending for
Valley National Bank, Des Moines. He
had been a commercial banking officer
and financial analyst with The Northern
Trust Co. in Chicago.

Stuart J. Becker was promoted to as­
sistant vice president of metropolitan
commercial services of First Interstate
Bank of Des Moines. He had been a
commercial banking officer in its metro­
politan division.

Comerica Bank-Ann Arbor appointed
Sandra S. Taggie assistant vice president
and trust officer and Joan C. Schram trust

administrative assistant.
Taggies’s responsibilities include per­
sonal trust administration, estate plan­
ning and new business development. A
graduate of Northwestern University’s
National Graduate School, Taggie has
more than 20 years of trust experience
in the Ann Arbor area.
Schram’s responsibilities include as­
sisting with customer communications,
trust account management and office
supervision. She has 17 years of experi­
ence in the trust and insurance industry.

Old Kent Bank and Trust Co., Grand
Rapids, appointed Kelly Fox-Johnson trust
officer in trust employee benefits.
Fox-Johnson joined Old Kent’s branch

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DECEMBER 9, 1989

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management training program in 1985.
She was appointed assistant manager of
the Clyde Park-44th office in 1986 and
transferred to the credit department as
an assistant credit analyst in 1987. She
has been credit analyst since 1987.
Fox-Johnson has a bachelor’s degree
from Western Michigan University.

The tailor-made
portfolio.
The right correspondent
bank to manage your portfolio
will see to it that your investment
strategies are tailor-made for
you. Finding that bank requires
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Ronald DiCicco was named first vice
president of Manufacturers National
Bank of Detroit. DiCicco heads the
community banking-west division.
DiCicco joined Manufacturers in 1972
in the branch department. He was pro­
moted to branch officer in 1979 and was
named national account officer in 1982.
He was promoted to second vice presi­
dent in 1983 and was later reassigned to
retail marketing services. He became
vice president in 1985 and transferred
to community banking later that year.
He was promoted to vice president and
senior community banking officer in
1987.
DiCicco has a bachelor’s degree and a
master’s degree from Central Michigan
University and is a graduate of the Uni­
versity of Wisconsin’s Graduate School
of Banking.
■ ■■
Old Kent Bank and Trust Co., Grand
Rapids, appointed G. John Hagenbush to
human resources officer.
Hagenbush joined Old Kent’s branch
management training program in 1986
and was appointed assistant manager of
the East Grand Rapids office later that
year. He was appointed branch officer
and manager of the Breton-44th and
Eastern-52nd offices in 1987 and has
been serving as manager of the Hudsonville office since 1988.
In his new position, Hagenbush is in­
volved in college relations, employment
and employee relations.
He has a bachelor’s degree from Cen­
tral Michigan University.
Old Kent also assigned Lance B. Erick­
s o n , assistant vice president, to the
credit department.
Erickson joined Old K ent in the
branch management training program in
1982, and was appointed assistant man­
ager at the North Plainfield office in
1983. He was named consumer loan
new business development representa­
tive in 1984 and consumer loan officer in

1985. He was appointed assistant vice
president responsible for installment
loans and branch administration at Old
Kent Bank of Big Rapids in 1986. He
has been in human resources since
1988.
Erickson has a bachelor’s degree
from Hillsdale College.
Susan L. Proctor-Lake, branch officer,
was appointed manager of the Forest
Hills and Ada offices.
P ro ctor-L ak e joined Old K e n t’s
branch management training program in
1984 and was appointed assistant man­
ager of the Hudsonville office later that
year. She was named assistant manager
of the Michigan-Fuller office in 1985 and
assistant manager of the Wyoming office
in 1986. She has been branch officer and
manager of the Bridge and West Fulton
offices since 1987.
Proctor-Lake attended Grand Rapids
Junior College and has a bachelor’s de­
gree from Calvin College.
Edward D. Berry was appointed corpo­
rate banking officer in the small busi­
ness division.
Berry joined Old Kent as a credit ana­
lyst in 1987 and has been a corporate
banking representative in the small
business division since February. He
previously was a licensed life under­
writer and registered representative for
the Massachusetts Mutual Life Insur­
ance Co.
Berry has a bachelor’s degree from
Michigan State University and a mas­
ter’s degree in business administration
from the University of South Carolina.
Joe Bailey was named income tax offi­
cer in trust tax.
Bailey joined Old Kent from Michigan
National Bank’s trust tax department,
where he had worked since 1984, most
recently as tax specialist.
Bailey has a bachelor’s degree from
Aquinas College and attends graduate
school in taxation at Grand Valley State
University.

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Federal Reserve Bank of St. Louis

Lincoln - Omaha
FirsTier Bank, N.A.. Lincoln and FirsTier Bank, N.A., Omaha, Members FDIC

Dennis C. Jacobs joined NBD Genessee
Bank, Flint, as an assistant vice presi­
dent and commercial loan officer.
Jacobs began his career with NBD in
1979 as a receiving clerk in check proc­
essing at National Bank of Detroit.
Since then he has held a number of dif­
ferent positions in the bank, including
credit officer and loan review analyst in
credit administration.
In 1988, he was elected assistant vice
president and assistant manager of loan
review for National Bank of Detroit.

years, most recently as an assistant
vice president in the treasury area. In
his newly-created position, he special­
izes in researching and reporting on var­
ious types of fixed-income investments
for Piper Jaffray’s 750 brokers and their
institutional and retail clients.
Kuplic has a master’s degree in busi­
ness administration-finance from Indi­
ana University and a bachelor’s degree
in finance and marketing from Mankato
State University.

Brian G. McVeigh was promoted to con­

Darlene Mondor joined the State Bank of

troller at First of America Bank-Ann Ar­
bor.
McVeigh is responsible for financial
reporting, funds and investment man­
agement, and profit planning.
He joined the bank in 1986 as a profit
planning coordinator. He was promoted
to accounting officer in January.
McVeigh is a Michigan State Univer­
sity graduate and a member of the De­
troit chapter of the Bank Administration
Institute.

Young America as marketing officer.
Mondor was previously internal auditor
for First National Bank of Chaska, Vic­
toria State Bank and State Bank of
Young America, all owned by Klein Ban­
corp of Chaska. Previously, Mondor
worked for the State Bank of Young
America in various capacities for eight
years.

David M. Kuplic joined the Minneapolisbased investment firm Piper, Jaffray &
Hopwood Inc. as a vice president and
research analyst for fixed-income in­
vestments.
Previously, Kuplic worked at First
Bank System in Minneapolis for five

National City Bank of Minneapolis
made several changes.
David M. Krause joined the bank as an
assistant vice president in commercial
division B. Krause was formerly with
Bank of the West in San Jose, Calif.,
where he was assistant vice president.
Jeffrey G. Bergeson joined the bank as an
assistant vice president in the loan re­
view division of credit administration.
Bergeson was most recently with Re­
source Bank & Trust as loan review offi­
cer.

Charlotte A. Kimball joined the Minneap­
olis-based law firm of Harstad & Rain­
bow. Kimball graduated magna cum
laude this year from William Mitchell
College of Law, St. Paul, and earlier
graduated cum laude from Carleton Col­
lege, Northfield. She practices in com­
mercial law and litigation.
Harstad & Rainbow, founded in 1958,
concentrates on environmental law,
business litigation, commercial real es­
tate and personal injury matters.

Timothy M. McManimon was appointed
manager of business/ag banking at
Norwest Bank Owatonna. He has four
business bankers, one ag banker and
four banking assistants reporting to
him.
McManimon joined Norwest in 1983
as a commercial loan officer. He became
assistant vice president in 1985; vice
president later in 1985; and senior vice
president in 1988. McManimon has
worked for Norwest Bank Winona.
McManimon has a bachelor’s degree
from St. Mary’s College in Winona.

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SECURITY N A TIO N A L RANK
SIXTH A N D PIERCE STREET • S IO U X CITY. IA • M E M B E R F.D.I.C

Ron Kiel,
A ssistan t V ice P resident
Jim Young,
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Wilma Weeks,
C o rre sp o n d e n t S ervice s O ffice r

DECEMBER 9, 1989

7

Partial list of available B a n k in g Candidates
President

Senior Loan Officer

Remarkable track record. Turned a
problem institution into a growth oriented,
well capitalized, high earning bank.
Currently President in a bank with total
assets over one hundred twenty million
dollars. Supervises over seventy-five
employees.
NT1001

$35K

Four plus years experience in an eighty-five
million dollar trust department. Proficient
in employee benefits, manages forty-five
million dollars, and in investment portfolio
management. Strong accounting
background.
NT1008

$34K

$44K

Ag Lender

Jr . Ag Lender

Thoroughly trained in ag. Experience with
bank, farm credit, and FmHA. This
unusual combination of experience gives
this lender the ability to identify and solve
problems before they happen. Also knows
how to drum up quality new business.
$30K

Consum er L ender/Branch M anager
A customer relations expert. Four plus
years experience in consumer lending,
product development, customer relations
and branch management. Has supervised
over twenty employees. A sharp candidate.


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Federal Reserve Bank of St. Louis

NT1007

T ru st Officer

Currently oversees entire loan portfolio in
this seventy plus million dollar bank. An
Iowa State graduate that loves the small to
medium size communities. Over five years
lending experience. If you need a lender in a
specific area or in all facets, this is your
person.

NT1005

No more headaches! This person, with over
fifteen years experience, can really make
your bank hum. Proficient at: regulatory
and board reports; budgeting; asset/liability
management; P.C.’s; the list goes on and on.

$50K

Comm ercial Lender

NT1004

$40K

Operations Officer

A superb candidate seeking a new
challenge with growth potential. Over ten
years experience as Executive Vice
President. Strong lending experience in
commercial, agriculture, consumer and real
estate. Do you need a reliable second
person?

NT1003

NT1006

$150K +

E xecu tive V.P.

NT1002

Do you need a well-qualified, reliable person
to supervise the lending function. Ten plus
years experience in a sixty million dollar
bank. Predominantly an ag background,
but has experience in all areas of lending,
Also knowledgeable of bank operations,

$37K

Lots of bang for your buck. Two years
consumer lending and collections
experience, along with one year ag lending
experience. A great foundation from which
you can groom a top-notch lender.
NT1009

$21K

B an k Auditor, CPA
Top-notch bank auditor with over four years
experience. Current responsibilities include
planning, designing programs, reviewing
controls and presenting reports to
management and the B.O.D.
Accomplishments include a complete
computer conversion from a service center
to an in house computer. Available soon!
NT1010

Asks $37K

Partial list of available Banking Positions
M ortgage Loan Servicing M anager

Comm ercial Lender
Join this well managed, high earning
organization. This bank, with total assets
over one hundred fifty million has an
immediate need for a lender with five plus
years of commercial lending experience.
NT1011

To $45K

A good opportunity with a company that’s
on the move. This management position
requires over three years experience in loan
servicing, supervisory background and
strong accounting skills. A great chance to
be a part of the management team.
NT1015

To $30K

Ag Lender

Ag Lender
Great promotion potential. An exciting
chance to join a multi-bank holding
company environment. This position
requires two plus years ag lending
experience and a desire to get to the top.
NT1012

$28K

If you’re community oriented, have at least
one year experience in ag/dairy lending, and
desire to work in a stable environment, this
is a perfect job for you. Operations
background and insurance/real estate
licenses a plus.
NT1016

To $30K

Operation Officer

T ru st Investm ent Officer
Midwest Metro location. The ideal
candidate will have ten years experience in
the securities industry, substantial portfolio
management background, and good oral
and written communication skills.
NT1013

To $50K

Help write your own job description. This
organization has grown, a full time
operations person is now needed. Four plus
years experience, strong computer and
compliance skills along with some lending
exposure is an ideal background.
NT1017

Consum er Lender/Office M anager

Executive VP
Play a management role in this two
hundred million dollar bank.
Responsibilities include: chief lending
officer; director at the bank and the holding
company; and positions on all executive
committees. Position requires strong
lending background, along with experience
on the operations side.
NT1014

Mid $30’s

This national company seeks a person with
strong real estate/consumer lending and
collections experience. A superb
management opportunity.
NT1018

Mid $20’s

Salary Open

FOR FURTHER INFORMATION ON
THESE AND OTHER CANDIDATES
CONTACT RANDY ROCK

W E H A V E B A N K IN G S P E C IA L IS T S W H O A R E
R E A D Y TO G O TO W O R K F O R YO U NOW.
C A LL US TODAY. IT D O E S N ’T M A TT E R
W H E R E YO U A R E LO C A T E D O R W H E R E YOU
W A N T O U R S P E C IA L IS T TO W O R K . O U R
PROS A R E R E A D Y TO G O .

https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

317 6th Avenue, Suite 700
Des Moines, IA 50309

5 1 5 -2 4 4 4 4 1 4
W O R L D ’S L A R G E S T B A N K IN G , A C C O U N T IN G ,
A N D E D P P L A C E M E N T S P E C IA L IS T S

M in n e s o t a

Allan Berube joined Farmers and Mer­
chants State Bank, New York Mills, as
an assistant vice president. Berube had
previously been vice president of loans
for Farmers State Bank of Carrington,
N.D., and had worked for the Produc­
tion Credit Association in Carrington.
He has degrees in agriculture eco ­
nomics and agricultural education from
North Dakota S ta te U niversity in
Fargo.

Larson, Allen, Weishair & Co., a CPA
and business consulting firm based in
Minneapolis, elected Gordon A. Viere chief
executive partner.
Viere joined the firm in 1975 and has
been partner-in-charge of the firm’s St.
Cloud office since 1983.
Viere succeeds Jim Miller, who was
elected board chair. Also elected to the
board was Rholan Larson. Miller and Lar­
son join present board members Steve
Broz, Greg Koschinska, Chas McElroy and
Gordon Viere (ex officio).

Northern National Bank, Brainerd,
hired Robert J. Whalen as commercial loan
officer at the Bemidji office.
Whalen promotes and manages the
bank’s business accounts.
He has four years’ banking experi­
ence, having been with First Bank Sys­
tem and First National Bank of Deerwood. Whalen has bachelor’s degrees in
economics and business, as well as
communications and marketing, from
North Dakota State University. He is a
member of the Minnesota Bankers As­
sociation and the International Associa­
tion of Business Communicators.
The bank also hired Ramona J. Martin as
customer service manager and human
resources officer at the Bemidji bank.
Martin manages the customer ser­
vices department and teller area, and
works with all aspects of human re­
sources management.
She has more than six years of expe­
rience in financial services and human
resources management. Martin also has
a degree in business administration. She
is a member of the American Society for
P ersonnel A dm inistrators and the
Northern Minnesota Bankers Associa­
tion.

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Des Moines. Iowa 50304
Member FDIC

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FINANCIAL REVIEW
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Federal Reserve Bank of St. Louis

N. Jane Ward, consumer loan officer/
compliance officer of Marquette Bank
Shakopee, was installed as president of
the Metroland group of the Financial
Women International Inc. (formerly Na­
tional Association of Bank Women).
Ward succeeds Jane Treston, vice pres­
ident of Liberty State Bank of St. Paul.
Treston is public affairs chair of the Min­
nesota state executive committee of the
Financial Women International.
Also elected were Lynda R. Koren,
branch manager, Eastern Heights State
Bank, St. P a u l-v ice president; Ruth
Grussing, assistant vice president, First
National Bank in Anoka - secretary;
and Cynthia LaPatkin, assistant cashier,
First Western Bank, St. Louis P a rk treasurer.
Ward began her banking career 15
years ago. She was named teller super­
visor in 1979 and consumer loan officer
in 1983. She has been compliance offi­
cer since 1984.

First National Bank of Cold Spring ap­
pointed Egidie A. Scherr assistant vice
president of lending.
Scherr previously was executive vice
president and managing officer of Secu­
rity State Bank in Deer Creek. He also
has worked with the Farmers Home
Administration and the Federal Reserve
Bank in Minneapolis in research.
Scherr has bachelor’s and master’s
degrees in agricultural economics from
North Dakota State University.

Merchants National Bank of Winona
promoted two employees.
Susan M. Hovell, assistant cashier in
mortgage loans, was named assistant
manager in mortgage loans. Thomas J.
Stahl was promoted to installment loan
officer from administrative assistant in
installment loans.
Hovell has a bachelor’s degree from
Winona State University. She is com­
pleting a master’s degree through St.
Mary’s College, Winona.
After starting with Merchants in 1984
as an administrative assistant in install­
ment loans, Hovell became a mortgage
loan officer in 1986. She was promoted
to assistant cashier in 1987.
Stahl was an assistant manager for
ITT Financial Services for two years
prior to joining Merchants in installment
loans in 1988.
Stahl has a bachelor’s degree from
Iowa State University.

~\

Thomas D. Vandeputte joined Lake Crys­
tal National Bank as assistant vice presi­
dent.
After attending The College of St.
Thomas and the University of Minne­
sota, where he pursued majors in agri­
cultural economics and architecture, he
farmed for 10 years near Tracy. He
managed the John Deere dealership in
Slayton before joining Farm Credit Ser­
vices as an ag loan officer. He was pro­
moted to senior loan officer, then branch
manager of the Slayton and Worthington
branches during his seven-year tenure.

N orthern National Bank, Pequot
Lakes, promoted Judy Killian to opera­
tions and sales officer at the Pequot
Lakes and Crosslake banks.
Previously head teller, Killian is re­
sponsible for operations, including over­
seeing the teller, customer service and
reception areas.
Killian has worked in banking for nine
years. She has worked at Lakeland
State Bank and Staples State Bank.
Also promoted was Cheryl Dupont,
named head teller at the Pequot Lakes
and Crosslake offices.
Dupont supervises the te llers at
Northern National.
Dupont has worked in banking for 10
years and has attended numerous bank­
ing seminars.

North Platte National Bank honored

Ne b r a s k a

Patricia Owen, vice president and cashier,

Jacque Neu, marketing officer at Scottsbluff National Bank & Trust Co., was
installed as presid ent of Financial
Women International of Nebraska, for­
merly the National Association of Bank
Women, Nebraska chapter. Barb Muhr,
installment loan officer at Scottsbluff
National, is public affairs chair.

Norwest Bank Nebraska promoted
Lynn F. Bluml to senior vice president; De­
borah D. Delgado to assistant vice presi­
dent; Cynthia W. Hulbert to assistant vice

president/consumer banking manager;
Keith E. Larsen to assistant vice president/client executive; Janet M. Lopez and
Melanie K. Mullican to mortgage loan offi­
cers; Lynn D. Stofferahn to assistant vice
president; and Janeane M. Whitney to per­
sonal banking officer.

Robert A. Wanek was named chief exec­
utive officer of City Bank & Trust Co.,
Crete. Also, Marilyn J. Behrens was pro­
moted to executive vice president and
cashier and Michael T. “Tom” Kozisek was
named executive vice president for
lending.

for 25 years of service. Owen started
with the bank in October 1964 in book­
keeping and was promoted to cashier in
1973. In 1980 she was promoted to her
current position.
Richard Coleman, president of the bank,
presented Owen with a plaque inducting
her as a member of the prestigious 25Year Club of First Commerce, the par­
ent company of North Platte National
Bank. She also was given a watch.

The Southeast Nebraska Group of the
Financial Women International (formerly
the National A sso ciatio n of Bank
Women) installed the following officers:
Christyne E. Bathel, vice president and
cashier of Beatrice National Bank, pres­
ident; Mary Pekarek, coordinator of cost
accounting at FirsTier Bank Lincoln,
vice president; Marilyn J. Behrens, vice
president and cashier of City Bank &
Trust Co. in Crete, secretary; and Karen
Wible, personnel officer at National Bank
of Commerce in Lincoln, treasurer.

George Prochaska, chief executive offi­
cer of the First National Bank & Trust
Co. of Columbus, retired after 33 years
of service. Prochaska continues as
board chair.

O F F IC E

ONCEPTS

Designers & Builders
of Finencisl Institutions

LTD

Committed to your Building
and Remodeling Needs
F irst In tersta te Bank of Billings
elected Bob Clark credit review officer.
Clark has a bachelor’s degree in busi­
ness administration from Eastern Mon­
tana College.
He began with First Interstate Bank
in 1984 as an operations analyst. He has
been a loan administration assistant and
credit analyst.

These Montana bankers graduated
from Pacific Coast Banking School: Tom
M c P h e rs o n , F irs t C itizens Bank of
Poison; Bill Miller, First National Bank of
Lewistown; and Clark Johnson, Western
National Bank, Wolf Point. MBA is one
of the school’s founders.

https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

Ross Schoonover
Vice President

P.0. Box 808 • 319 Broadway • Waterloo, Iowa 50704
319-234-1221

t's easier to talk Iow a banking
w ith people w ho live it — people
like Ben Eilders and the co rresp on­
dent staff at Bankers Trust.

I

Call 1-800-362-1688 or 515/245-2424.

Ben Eilders
Des Moines, IA

M em ber FD IC

Senior Vice President

DECEMBER 9, 1989

11

Jeff Arnold became assistant vice presi­
dent and trust officer at Adams Bank
and Trust of Ogallala.

Western Security Bank in Omaha pro­
moted Kathleen Culbertson to assistant
cashier, Kathleen Burrows to operations
officer and Steve Macklin to cashier.

Vistar Bank, Lincoln, elected Richard
Donovan co m m e rcia l loan o ffic e r.
Donovan joined credit analysis in 1988
and moved to commercial loans in April.
He is a graduate of Nebraskan Wesleyan
University.

John R. Jacobsen joined First National
Bank and Trust, Fullerton. His duties
focus on compliance, lending and in­
bank training. Jacobsen has more than
five years of operations and lending ex­
perience.

Janet M. Keyser, assistant vice presi­
dent in the institutional division of
Norwest Bank Nebraska in Omaha, was
designated a certified employee benefit
specialist by the International Founda­
tion of Employee Benefit Plans and the
Wharton School of the University of
Pennsylvania.

FirsTier Bank Omaha appointed John
Orduna branch manager of its new facility
at 50th & Ames Avenue. Also, Robin
Sgroi was named vice president and Patty
Honz was named an officer.

The Omaha chapter of the American
Institute of Banking elected Linda Rix
president. She is manager of training
and development at F irsT ier Bank
Omaha.

American National Bank of Creighton
named Steven W. Schindler vice president.

Newly elected directors to a threeyear term with the Nebraska Indepen­
dent Bankers Association are: District
1 - Arnold Otten; District 2 - Lee Jacobsen;
District 3 - Fred Otten; District 4 - Jerry
Koepke; District 5 - Gary Hodde; and Dis­
trict 6 - Jett Enevoldsen.

P. Mark Graff, CPA, senior vice presi­
dent and comptroller of McCook Na­
tional Bank, and Steven L. Michel, presi­
dent and chief executive officer of
Henderson State Bank, were awarded
diplomas from the Graduate School of
Banking of the University of WisconsinMadison.

DOES YOUR BANK NEED AN INVESTMENT CENTER?
Y o u r benefits:
• New high net worth customers
• Added profit
• Reduced deposit loss to competitors
• Ability to offer complete financial services
For information contact:

INVESTMENT

1-800-544-7113
First Dakota Building
P.O. Box 2796
Bismarck, ND 58502
or
P.O. Box 65697
West Des Moines, 1A 50265

Norw est B an k D es Moines, N.A.
NORWEST BANKS

Hill
IH T H

The Southwest Nebraska group of
the Financial Women International (for­
merly the National Association of Bank
Women) in sta lle d o ff ic e r s : K aren
Christner, First State Bank, Enders,
president; Deanna Allacher, First National
Bank of McCook, vice president; and
S h aro n R h o a d e s , S ta te B ank of
Benkelman, secretary-treasurer.

NORTH DAKOTA
The North Dakota Bankers Associa­
tion welcomed Nancy Eckman as annuity
administrator. She succeeds Adele Zuroff.
Eckman has a business management
degree from the University of North
Dakota. She worked most recently as a
mortgage loan underwriter for five
years with First Federal Savings Bank
in Rapid City, S.D.
■ ■■
Charles A. Mausbach was named senior
vice president/client group manager at
First Bank Grand Forks. Mausbach is
responsible for the commercial agricul­
tural and consumer business activities in
the client group.
Mausbach joined First Bank Willmar
in 1979, and was most recently vice
president/product and service group
manager.
He is a graduate of South Dakota
State University.

SOUTH DAKOTA
Doug Block joined Norwest Bank in
Groton as a professional trainee. Block
has a bachelor’s degree in ag business
management from Southwest State Uni­
versity in Marshall, Minn. Before join­
ing Norwest, he was a loan officer with
Farm Credit Services in Sheldon, Iowa.

W is c o n s in

C a ll (515) 245-3131 o r to ll-fre e (800) 3 62-2514
Member FDIC

Y e a r n w o rk :
o n e o f th e r e a s o n s
w e ’re f ir s t in Io w a .
Tom Q u in lin

12 NORTHWESTERN FINANCIAL REVIEW
https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

J a y N ic h o ls

Lyman Powell, president of National Ex­
change Bank’s trust division in Fond du
Lac, was elected president of the Wis­
consin Trustees Association, which
serves 37 Wisconsin financial institu­
tions in 66 communities.
The association functions through col­
lective action of its members. All trust
departments and trust companies are
eligible for membership.

CLASSIFIEDADS

HELP WANTED

HELP WANTED

TR UST

PERSONAL BANKING MANAGER

Are you a recognized expert in the 401 (K) area? If you
have 2 + years 401 (K) administration plus the desire
to work closely with marketing professionals in a cus­
tomer contact role, we have an excellent local oppty to
discuss. Must have strong mathematical abilities and
negotiations skills. Four year degree required. Salary
to $ 3 5 K . Job #N FR5017.

SW Suburban Twin Cities Bank seeking candidate with
10 years successful background in Retail/Executive
Banking in M etro market. Please send resume to File
#9620 c/o Northwestern Financial Review.

COMMERCIAL LENDER
Are you ready to take your career to a higher level?
$3bil HC in central WI seeks professional for this offi­
ce r’s position. Must have 3 + years direct lending ex­
perience combined with formal credit training. Busi­
ness development skills are essential. This position
lead s to m a n a g em en t. S a la ry to $ 4 0 K + . Jo b
#N FR5018.

EVP REAL ESTATE
Are you ready for a true growth opportunity? $20MM
financial institution in west central MN seeks polished
professional for this top management position. Must
have extensive knowledge of residential lending. Mini­
mum of three years in bank operations. The right per­
son will be CEO in one year! Salary to $35K + . Job
#N FR5019.
CALL P. LU TH ER LaSALLE
OR PAUL B E E S AT (612) 339-9001

HALF
M ROBERT
»4 1 OF MMNESOTA, M C.
M► 2800 Norwest Center
<s>

Minneapolis, MN 55402
(612) 339-9001
ALL F E E S COMPANY PAID

PARTIAL LISTIN G OF
AVAILABLE POSITIONS

AG LENDER
Are you ready to make that stable long-term career
move? This profitable $30M M bank see k s an ag
lender with 2 + years exp. To $27K .

COMMERCIAL LENDER
5 + yrs cmm’l lending and business development ex­
perience can land you this exceptional position. High
earning, $100M M + bank. $ 4 0 ’s.

OPERATIONS OFFICER
A great banking opportunity. Position requires 4 + yrs
exp including PC ’s, compliance, board reporting etc.
Some lending exp a plus. Mid $ 3 0 ’s.
ALL F E E S COMPANY PAID
FOR MORE INFORMATION CONTACT
RANDY ROCK AT 515-244-4414

ROBERT
H

R L F

317 6th Ave., Ste. 700
Des Moines, IA 50309

515-244-4414

LOAN OFFICER/INSURANCE
Over twelve years experience in lending and insur­
ance. Works with consumer, real estate and ag
loans. Also serves as compliance officer. Familiar
with Call Reports and other cashier duties. Con­
verted bank to computer system in 1988. Licenses
in P/C, Life, Health, and Crop Insurance. “ Very
competent in banking. Projects good image,” re­
ports reference. Graduate of WI School of Banking.
$30,000. 800-633-8387. L-l

EVP
“ Full understanding of the operation and credit
functions of the banking industry,” says reference.
Instrumental in developing a residential real estate
loan department in the bank. Offers seven years ex­
perience in the banking industry. CO School of
Banking. Prefers NE, SD, IA, MO, KS. $32,000.
800-633-8387. L-2

LOAN OFFICER
Serviced eight years as Assistant Vice President.
Duties include handling large farm loans, selling of
participations to o th er banks, re p o sse ssio n s,
bankruptcies, inspections, and appraisals. Strong ag
background. Graduate of New Mexical School of
Banking. Open on location. $30,000. 800-633-8387.
L-3

SR V .R
Currently originates and manages a commercial loan
portfolio of $12.5M M . Serves on Sr. Loan Commit­
tee and the Asset-Liability committee. Responsible
for organizing and implementing quality loan pro­
gram. Reduced problem loan by $11M M . B .S . Ag
Business. Graduate of School of Banking. 800-6338387. L-4

E.V.P.
Currently President, promoted from VP/Cashier, of
a National Bank. Interested in position with larger
bank in metro area. Reference says, “ Supervised
11, in total charge of operations and compliance; did
an outstanding job. Excellent personality and ap­
pearance.” B .S . plus two years Graduate School of
Banking. $35,000. 800-633-8387. L-5

VP/SENIOR LOAN OFFICER

Central Nebraska Bank in college community with
successful and aggressive R .E . Department of $5MM
desires to hire a manager qualified in FHA, VA, and
Conventional lending with loan pooling experience.
Salary is negotiable. Send resume to File #9618 c/o
Northwestern Financial Review.

Over five years experience in ag loans, farm man­
agement, branch management, and most recently,
Vice President and Compliance Officer for larger
bank. Past National Bank experience. References
say, “ Very good in operations and did well in ag
lending. Likeable personality and got along well with
everyone; a very good employee.” B .S . $30,000.
Prefers IA location. 800-633-8387. L-6

Immediate opening for consumer lender in $47MM
bank in Northwestern Wisconsin. 2-4 years lending
experience necessary. Competitive salary and excel­
lent benefit package. Located in the heart of lake
country and only 1 hour from the Twin Cities. Send
resume to File #9619 c/o Northwestern Financial Re­
view.


https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

4 0 5 M a in
D o n a ld

5 1 5 -2 3 2 -0 8 1 4
A m e s, Io w a 5 0 0 1 0

E.

H older,

P rin c ip a l

YOUR BEST INVESIMENI IS PERSONNEL!

REAL ESTATE LENDER

CONSUMER LENDING OFFICER

c d io C d z x a n d c /j'i.i.o c ia .tííL
Specializing in the
Purchasina and Sale of Banks

no problems. Excellent in documentation and very
good collections. Technical ability is excellent and
his delinquency rate is classified well below normal.
Personality and appearance are a plus.” B .S . plus
many banking schools. $35,000. 800-633-8387. L-7

COM PLIANCE OFFICER
Supv. s e v e n . . . responsible for compliance of
$6.5M M bank located in beautiful Wyoming. Compli­
ance exp. in a national bank required. Perfect for
someone who has retired and wants to go back to
work. $30-$35,000. 800-633-8387. LL-1

LOAN OFFICER
Mostly ag loans in $33MM bank. T hree to five years
with national bank exp. NE location close to larger
cities and excellent hunting and fishing. $30-$50,000
+ generous bonus/benefit package. 800-633-8387.
LL-2

AG LOAN OFFICER/INSURANCE
Work branch and main offices for $75MM bank with
CAMEL rating of 1-2. Located in IL with 4-year col­
lege in town and close to larger cities. Excellent op­
portunity for advancement. Degree with banking
school and exp. required. $25-$35,000. 800-6338387. LL-3

A S S IS TA N T VP
Ag and other loans. Min. two years bank exp. re­
quired. IL location in $175M M bank. D eg ree.
$28,000. 800-633-8387. LL-4

LOAN OFFICER/OPERATIONS
Work in lending and operations. Strong in public re­
lations and dairy background required. IA. $22$27,000. 800-633-8387. LL-5

BRANCH MANAGER
$7MM bank. Handle consumer and commercial
loans. Also supv. five. Work with IRA’s. Banking
School preferred. SD. $25-$32,000. 800-633-8387.
LL-6

AG LOAN OFFICER
$55MM bank. Work closely with dairy clients. Must
have a strong ag background. 3-5 yrs. exp. B .S . WI.
$29-$34,000. 800-633-8387. LL-7

712/779-3567
Hwy. 92 W., Box 140
Massena, IA 50853

COM M ER CIAL LOAN OFFICER
Over eight years experience in commercial and agri­
cultural loans. Strongest in the commercial side. In­
terested in larger facility where he can handle larger
loans and have more responsibility. R eferences
state, “ Performance was very g o o d ... absolutely

Fax #712-779-3366

Dfl CAREERS, INC.
J

THE O R IG IN A L AGRICULTURAL RECRUITER

EM
PLOYERPA
IDFEES
DECEMBER 9, 1989

13

Classified Ads

HELP WANTED

EQUIPMENT WANTED

POSITIONS AVAILABLE
TRUST OFFICER - manage a $50MM department in a com­

Used desktop proof machine, microfilmer and microreader/printer. Please respond by mail to: Precision
Bearing Co., Attn: Bobbie Finlay, P.O. Box 3950,
Omaha, NE 68132.

munity bank. Degree required; J.D . a plus............ $50K
LOAN OFFICER - must have solid commercial lending skills
plus some consumer loan ex p erien ce..................... $35K
SR. TRUST INVESTMENT OFFICER - metro bank requires min­
imum of 10 yrs. portfolio management experience.
Degree required.............................................................$55K
COMMERCIAL LOAN - minimum 3 yrs. commercial lending
and form al cred it analysis training. D eg re e r e ­
quired
$40K
AG LENDER - must be P.C. literate and have excellent
communications skills for this bank..........................$30K
Resume and salary history requested.
All inquiries confidential.

EQUIPMENT
WANTED

AMERICAN BANK EQUIPMENT INC.
(

402 ) 397-8890

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Estate Appraisals
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POSITIONS AVAILABLE
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NEWS BRIEFS

PERSONNEL
David Gohn, president, West Plains
Bank, West Plains, Mo., was appointed
chair of the American Bankers Associa­
tion community bankers council for
1989-90.
Gohn leads the council in government
relations, communications and product
development on behalf of the nation’s
banks with assets of $250 million or
less. Among the council’s highest priori­
ties are controlling banks’ ever-increas­
ing regulatory burden, making credit
unions subject to the same competitive
constraints as banks and obtaining au­
thority for banks to provide additional
services to their customers.
Prior to his appointment as chair,
Gohn served for two years as a member
of the council and for three years as a
member of the ABA community bank­
ers advisory board.
Gohn began his banking career at Un­
ion National Bank, Springfield, Mo., fol­
lowing graduation from Drury College,
Springfield. Two years later he joined
West Plains Bank, progressing to presi­
dent in 1978.
He is a member of the Missouri Bank­
ers Association Board of Trustees of
Schools and is a past officer of MBA’s
Region 7.

United Missouri Bank South elected
Kathy L. Sparrow personal banking officer.
Sparrow assists individual customers
with financial transactions and helps
with administrative functions at the
bank’s 7901 Wornall office.
She worked for the South bank from
1980 to 1987 and rejoined United Mis­
souri in April as a personal banking rep­
resentative.

Boatm en’s F irst National Bank of
Kansas City elected Paul Weston presi­
dent of Boatmen’s Independence Bank­
ing Center. Weston succeeds Howard W.
Sharp, who accepted a position with an­
other bank.
Weston, who began his career at the
bank in 1960, has served in various

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Federal Reserve Bank of St. Louis

was elected loan operations officer, and

oversees processing of other employee
benefit plans and supervises input
clerks. Formerly an assistant trust offi­
cer, Pomperien joined the bank in 1972
as an administrative assistant.
Stephanie L. Stubbs was promoted to as­
sistant operations officer in bookkeep­
ing.
Stubbs supervises the daily opera­
tions for personal checking accounts and
the processing of monthly personal bank
statements.
She joined United Missouri in 1988 as
a direct deposit account supervisor in
bookkeeping.

Trudy Rose became retail banking opera­

■ ■■

management positions. Before the mer­
ger of Centerre and Boatmen’s, he was
president of Centerre Bank of Indepen­
dence. Most recently, Weston was ex­
ecutive vice president and senior lend­
ing officer.
Boatmen’s also appointed the follow­
ing vice presidents: Patricia K. Briggs, M.
Elizabeth Fast, Joseph M. McCaddon, Stephen
M. Nepote, Todd W. Owen and Donald E. Sul­
livan.
Deborah L. Holman was elected assistant
vice president. Christie E. Francis was
named investment officer. Larry R. Moss

tions officer.
At the Belton Banking Center, Gregory
J. M otley was named president and
Richard Boxx, senior vice president. J. Lynnete Brown is the new personal banking
officer.
At the Excelsior Springs Banking
Center, Cathy D. Kline was appointed as­
sistant vice president; Donald R. Moberly
Jr., loan officer; and lletta Pulley and Linda
K. Sharp, personal banking officers.
At the Independence Banking Center,
Sandra Bahrenburg and Mary Carol Schriefer
were named vice presidents.
At the Raytown Banking Center,
Edward A. Herman Jr. was named vice pres­
ident. Jennifer J. Edelman was elected as­
sistant vice president.

United Missouri Bank of Kansas City
made several personnel changes.
Stephen J. Campbell was promoted to
senior vice president in the trust de­
partment.
Campbell oversees the administration
of charitable trusts and foundations. He
has been with the trust department for
more than 15 years, most recently as
vice president.
He has a law degree from the Univer­
sity of Kansas Law School and is a
member of the Kansas City Bar Associ­
ation, the Lawyers Association of Kan­
sas City and the Missouri Bar Associa­
tion.
Gail Pomperien was named trust officer
in employee benefits.
Pomperien is responsible for the ad­
ministration of profit-sharing and em­
ployee stock ownership plans. He also

United Missouri Bank of St. Louis
promoted JoAnn M. Sutterer to assistant
vice president in consumer loans. She
handles consumer and commercial loans
at the Arnold office. Sutterer joined the
bank in 1970 as a teller and has been
assistant cashier and personal banking
officer.

The Mortgage Bankers Association of
America elected James W. Nelson, a certi­
fied mortgage banker and president of
Eberhardt Co., Minneapolis, as presi­
dent-elect of the organization during its
76th annual convention.
Nelson has more than 24 years of ex­
perience in mortgage banking and MBA
affairs. He currently serves on MBA’s
board of governors and is chair of the
executive committee. He is a past chair
of the education, education review,
membership and young mortgage bank­
ers committees.
Nelson’s father, Walter C. Nelson, was
elected president of the MBA 31 years
ago in Chicago.
His career began in 1965 as assistant
vice president for residential mortgage
banking at the Eberhardt Co. He was
named president in 1976.
The other officers are: presidentRonnie J. Wynn, CMB, president, Colonial
Mortgage Co., Montgomery, Ala.; vice
president - Angelo R. Mozilo, president
and chief executive officer, Countrywide
Funding Corp., Pasadena, Calif.; and
treasurer - Alvin A. Siegal, chair, The
Leader Mortgage Co., Cleveland.

DECEMBER 9, 1989

15

News Briefs

Wayne R. Huneke was elected second
vice president, treasurer and chief ac­
counting officer of Northwestern Na­
tional Life Insurance Companies Inc.,
Minneapolis.
Huneke directs corporate accounting
and reports to John H. Flittie, senior vice
president and chief financial officer.
Huneke joined NWNL in 1986 as as­
sistant vice president and assistant con­
troller. He was promoted to assistant
vice president, assistant controller and
assistant treasurer the following year,
and in 1988 became assistant vice presi­
dent, associate controller and assistant
treasurer.

■ ■■
James R. Daniel, president and chief ex­

ecutive officer, Friendly Bank, Okla­
homa City, was elected chair-elect of
the Consumer Bankers Association.
He succeeds Alan J. Heuer, sector ex­
ecutive, Marine Midland Bank, N.Y.
Daniel has a bachelor’s degree in fi­
nance and economics from Baylor Uni­
versity and began his banking career in
1962 with Central National Bank in
Oklahoma City. Daniel has been em­
ployed with Friendly National Bank
since 1964.
Also, four members were elected to
the CBA’s board of directors.
William J. Bradley, president, Equibank,
Wilmington, Del.; Frank Rauscher, execu­
tive vice president, F irst Gibraltar
Bank, Dallas; Warren Raybould, executive
vice president, California Federal Sav­
ings & Loan, Los Angeles; and H. Jay
Sarles, executive vice president, Fleet/
Norstar Financial Group, Providence,
R .I., were elected.
Bradley is president of EquiBank,
with primary responsibility for the $500
million credit card subsidiary. He man­
ages the consumer credit activities of
the corporation throughout the United
States and the company’s secondary
mortgage corporation, American Finan­
cial Corp. in Tampa, Fla.
Rauscher is responsible for all retail,
electronic banking, annuities, casualty
insurance and securities brokerage pro­
grams for First Gibraltar Bank.
Raybould is currently head of the con­
sumer bank, Western states, of Califor­
nia Federal Savings & Loan. His re­
sponsibility includes management, sales
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and service support for the consumer
bank in California, Nevada and Arizona.
Sarles is responsible for Fleet/Norstar’s financial services group. This en­
compasses a range of non-banking finan­
cial companies, including Fleet Finance,
located in Atlanta.
William C. Nelson, president and chief
executive officer, Boatmen’s First Na­
tional Bank, Kansas City, was named
chair of CBA’s communications/membership council, succeeding James R. Dan­
iel, president and CEO, Friendly Bank,
Oklahoma City. Nelson has been a
member of CBA’s board of directors
since 1987.
CBA also elected Barbara L. Munson
vice president and manager, congressio­
nal relations.
Munson joined CBA in 1987 as gov­
ernment affairs associate. Previously,
she was chief legislative assistant to
U.S. Rep. Stan Lundine (D-N.Y.) and
was responsible for Lundine’s banking
committee work, as well as housing,
foreign policy, transportation and eco­
nomic development issues.
Munson also worked for Sen. Chris­
topher Dodd (D-Conn.) and former Sen.
Paul Tsongas (D-Mass.).
She is a graduate of the Georgetown
University School of Foreign Service
and has a master’s certificate in interna­
tional relations from the University of
Edinburgh, Edinburgh, Scotland.
United Missouri Bank of Kansas City
promoted Jesse H. West to assistant vice
president in commercial banking and
elected Ronald D. Innés commercial bank­
ing officer.
West is a commercial loan officer at
the bank’s state line office. He joined
United Missouri more than six years
ago. Most recently, he was a commer­
cial banking officer in the downtown of­
fice. In May he transferred to the state
line office. West also was affiliated with
United Missouri Bank of Warrensburg
for four years while attending Central
Missouri State University. He has a
bachelor’s degree in business adminis­
tration.
Innés joined the bank in 1988 as a
credit analyst.
The bank also promoted Michael S.
League to assistant vice president in

commercial banking and elected A. Pris­
cilla Diaz-Lang to personal banking officer
in retail banking.
League joined the bank in 1987 as an
executive trainee and most recently
was a commercial banking officer down­
town. He has a bachelor’s degree in ec­
onomics from the University of Kansas
and a master’s degree in business ad­
ministration from William and Mary Col­
lege, Williamsburg, Va.
Diaz-Lang markets bank services and
products for individual customers of the
plaza office. For the past three years,
she has been a personal banking repre­
sentative. She has a bachelor’s degree
in special education from the University
of Missouri-Columbia.
United Missouri also promoted William
J. Weigel Jr. to assistant vice president
and elected John D. Irwin Jr. assistant in­
vestment officer. Both work in the trust
department.
Weigel, in employee benefits, works
with commercial customers throughout
the country to design and maintain pen­
sion and other benefit plans and pro­
grams. He joined the bank in 1987 as a
pension services officer and has a bach­
elo r’s degree and law degree from
Washburn University.
In trust division, Irwin manages insti­
tutional investments for pension, en­
dowment, foundation and re se rv e
funds. He previously was portfolio man­
ager. Irwin has a bachelor’s degree in
finance and economics from the Univer­
sity of Nebraska.
Jean M. Byrne joined the bank as an op­
erations officer. Byrne oversees tellers
and personal banking at the town and
country location.

John M. Blanchfield was named manager
of the American Bankers Association’s
agrifinance services center.
Blanchfield has six years of commer­
cial banking experience and has been re­
sponsible for a $4.5 million agricultural
loan portfolio in the Mowhawk Valley re­
gion of New York state. He comes to
ABA from Fleet/N orstar Financial
Group, where he is assistant cashier
and agricultural representative at Nor­
star Bank of Upstate New York in Utica,
N.Y.

News Briefs

The FDIC appointed Robert D. Hoffman
inspector general. Hoffman has been di­
rector of the FDIC’s office of corporate
audits and internal investigations, now
called the office of inspector general,
since he joined the FDIC in 1974.
The inspector general reports to the
board and is responsible for all of the
FDIC’s corporate and receivership au­
dit and internal investigative activities.
Before joining the FDIC, Hoffman
was a partner in an international ac­
counting firm, a project control officer at
the National Aeronautical and Space Ad­
ministration, and a controller of a major
real estate development firm in Ohio.
He also operated his own CPA practice.
Hoffman has a bachelor’s degree in
accounting and economics from Youngs­
town (Ohio) University and a master’s
degree in business administration from
Kent State University.

Boatm en’s First National Bank of
Kansas City made these appointments:
Jack D. Hopkins to senior vice president;
Scott C. Page and Michael M. Wilson to as­
sistant vice president; and Stella M. Gundelfinger to investment officer.
Hopkins has eight years’ experience
and is senior credit officer at Boatmen’s
Kansas City South banking center. He
joined the bank in 1983 as an assistant
vice president. He has a bachelor’s de­
gree from William Jewell College, Lib­
erty, and a master’s degree in business
administration from Rockhurst College,
Kansas City.
Page joined the bank this year and has
five years of lending experience. He has
a bachelor’s degree in business manage­
ment from the University of South Da­
kota, Vermillion. He currently is a mem­
ber of the Kansas City Consumer
Bankers.
Wilson joined the bank in August and
is a commercial and real estate lending
officer at Boatmen’s Excelsior Springs
banking center. He has a bachelor’s de­
gree from Southwest Missouri State
University, Springfield, and has eight
years of banking experience.
Gundelfinger is an investment officer
at the Plaza banking center and is re­
sponsible for investment sales to indi­
viduals. She served at Centerre Bank
for four years before joining Boatmen’s.

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Federal Reserve Bank of St. Louis

municipal finance

MUNICIPAL BOND CALENDAR
T IM E

AM OUNT

1T.00 a.m.

1,220,000

7:00 p.m.

4 ,9 7 5 ,0 0 0

8:00 p.m.

2,525 ,0 0 0

11:00 a.m.

5,335,000

11:00 a.m.

225,000

11:00 a.m.

9,000 ,0 0 0

12:00 noon

2 ,5 0 0 ,0 0 0

P U B ’D
N FR

IS S U E R

December 11-16
Monday

Tuesday

Wednesday

St. Peter, MN I.S .D . #508 (G.O.
School Building Bonds Series 1990A)
Glenwood, MN Joint Powers District
#6046-62 (G.O. School Building Bonds,
Series 1990)
Hinckley, MN I.S .D . #573 (G.O. School
Building Bonds of 1989)
Minneapolis, MN S .S .D . #1 (School
Building Bonds, Series 1989)
Tomah, WI (Special Assessment
Revenue B Bonds of 1989)
Hastings, MN (G.O. Hydroelectric
Revenue Bonds, Series 1990A)
Minnesota Higher Education Facilities
Authority (Revenue Bonds, Series TwoW)

Nov 18

Dec. 2
Nov. 25
Nov. 25
Nov. 25
Nov. 25

Dec. 2

December 18-23
Monday

12:00 noon

3,645 ,0 0 0

Tuesday

11:00 a.m.

5,000,000

1 1 :3 0 a .m .

1,700,000

Annandale, MN I.S .D . #876 (G.O.
School Building Bonds, Series 1990A)
Rochester, MN I.S .D . #535
(Certificates of Indebtedness)
Lakeville, MN I.S .D . #194 (G.O.
Refunding Bonds of 1989)

LEGAL NOTICE
NOTICE OF SALE
INDEPENDENT SCHOOL DISTRICT NO. 194
(LAKEVILLE). MINNESOTA
$1,700.000 GENERAL OBLIGATION
REFUNDING BONDS OF 1989
Sealed bids for the purchase of $ 1 ,7 0 0 ,0 0 0 General
Obligation Refunding Bonds of 1989 of Independent
School District No. 194 (Lakeville), Minnesota (the
District), will be accepted by the Clerk, or his desig­
nee, at the offices of Ehlers and Associates, Inc., 2950
Norwest Center, 90 South Seventh Street, Minneapo­
lis, Minnesota, until 11:30 a.m .. Central Standard
Time, on Tuesday,
Decem ber 19, 1989,
when they will be opened, read and tabulated for pre­
sentation to and consideration by the School Board at
its meeting to be held at 5:00 p.m ., Central Standard
Time, on the same day, at the School District Office.
The Bonds will be issued for the purpose of refunding
the 1991-1993 maturities of the D istrict’s School
Building Bonds, Series 1981, which are subject to call
on February 1, 1990. The Bonds will be issuable as
fully registered bonds of single maturities, in any de­
nomination which is an integral multiple of $5,0 0 0 , will
be dated, as originally issued, as of D ecem ber 1,
1989, and will mature on February 1 in the following
years and amounts:

Dec. 2
Dec. 9
Dec. 9

Amount

Year

$515,000
1991
625,000
1992
560,000
1993
The District reserves the right, following the opening
of bids, to adjust the maturity schedule in accordance
with the Terms and Conditions of Sale.
Interest will be payable on each February 1 and Au­
gust 1, commencing February 1, 1990, to the owners
of the Bonds appearing of record in the bond register
as of the fifteenth day (whether or not a business day)
of the immediately preceding month. Legal opinion will
be furnished by Dorsey & Whitney, of Minneapolis,
Minnesota. Copies of a statement of Terms and Condi­
tions of Sale and additional information may be ob­
tained from the undersigned or from Ehlers and Asso­
ciates, Inc., 2950 Norwest Center, 90 South Seventh
Street, Minneapolis, Minnesota 55402-4100 (612-3398291), financial consultants to the District.
Dated: November 28, 1989.
BY ORDER OF TH E SCHOOL BOARD
Cheryl Forrest
School District Clerk
Independent School District
No. 194 (Lakeville), Minnesota

Ehlers and Associatesene.
L E A D E R S

IN

P UB L I C

F I N A N C E

Published in N orthwestern Financial Review
Decem ber 9, 1989

DECEMBER 9, 1989

17

Municipal Finance

REGISTERED BONDS

LEGAL NOTICE

Principal
Bond
Amount
Number Redeemed

NOTICE OF REDEMPTION AND DEFEASANCE
ST. LOUIS COUNTY, MINNESOTA
$4,800,000 GENERAL OBLIGATION COUNTY NURSING HOME
REVENUE BONDS
DATED AUGUST 1 ,1 9 8 4
Notice is hereby given to the holders of all the out­
standing bonds of the above-designated issue which
mature on or after February 1, 1993 (the “ Bonds” )
that all outstanding principal amount of the Bonds will
be redeemed on February 1, 1992, at a redemption
price equal to the principal amount of the Bonds, plus
accrued interest to the redemption date.
Registered bonds to be redeemed are described as
follows:

Cusip
Number

Principal
Outstanding

Interest
Rate

Maturity
Date

791230AS4
525,000
9.00%
2/1/93
791230AT2
575,000
9.20%
2/1/94
791230AU9
625,000
9.40%
2/1/95
791230AV7
700,000
9.50%
2/1/96
Payment of the principal amount of the Bonds, t
gether with accrued interest, will be made on Febru­
ary 1 ,1 9 9 2 , upon presentation of such Bonds, at:
First Bank North, National Association
Attention: Corporate Trust Department
130 West Superior Street, R O . Box 19
Duluth, Minnesota 55801-0019
Interest will cease to accrue from and after such re­
demption date. A signed Form W-9 must accompany
the Bonds or taxes may be withheld.
Notice is further hereby given to the holders of all of
such Bonds that there has been deposited with First
Bank North, National Association, formerly First
Bank (N.A.)-Duluth, as Bond Registrar, pursuant fo
the provisions of the resolution adopted by the Board
of County Commissioners on August 13, 1984, cash
and certain government obligations, the principal of
and interest on which will provide monies sufficient to
provide for the payment of principal of and interest on
the Bond through February 1, 1992.
Dated this 1st day of November, 1989.
By First Bank North,
National Association as
Escrow Agent
Published in Northwestern Financial Review
December 9, 1989

LEGAL NOTICE
NOTICE OF SPECIAL MANDATORY REDEMPTION
TO THE HOLDERS OF
CITY OF FARIBAULT
COUNTY OF RICE
STATE OF MINNESOTA
SINGLE FAMILY MORTGAGE REVENUE BONDS, SERIES 1980
NOTICE IS H EREBY GIVEN, pursuant to the provi­
sions of the Indenture of Trust dated as of January 1,
1980, between the City of Faribault, Rice County,
Minnesota, and First Trust National Association, as
Trustee, that $480,000 principal amount of the Single
Family Mortgage Revenue Bonds Series 1980 issued
pursuant to the Indenture has been selected for the
Special Mandatory Redemption on January 1, 1990
(the Redemption Date) at a price of 100% of principal
amount (the Redemption Price) together with interest
accrued to the Redemption Date. The specific Bonds
selected for redemption (the Redeemed Bonds) are
the following:

Digitized for
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NORTHWESTERN FINANCIAL REVIEW
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R-32

$5,000

Redeemed Bonds shall cease to accrue and be pay­
able.

Interest
Rate

Maturity
Date

CUSIP*
Number

8.875%

1/1/2012

307590 AA7

COUPON BONDS
Principal
Bond
Amount
Number Redeemed
336
349
393
408
436

$5,000
5,000
5,000
5,000
5,000

Interest
Rate

Maturity
Date

CUSIP*
Number

7.40%
7.40%
7.50%
7.50%
7.60%

1/1/1991 307590 AK5
1/1/1991 307590 AK5
1/1/1992 307590 AL3
1/1/1992 307590 AL3
1/1/1993 3 0 7 5 9 0
AM1
454
5,000
7.60%
1/1/1993 3 0 7 5 9 0
AM1
512
5,000
7.75%
1/1/1994 307590 AN9
528
5,000
7.75%
1/1/1994 307590 AN9
542
5,000
7.75%
1/1/1994 307590 AN9
594
5,000
7.90%
1/1/1995 307590 AP4
621
5,000
7.90%
1/1/1995 307590 AP4
629
5,000
7.90%
1/1/1995 307590 AP4
635
5,000
8.00%
1/1/1996 307590 AQ2
661
5,000
8.00%
1/1/1996 307590 AQ2
667
5,000
8.00%
1/1/1996 307590 AQ2
744
5,000
8.15%
1/1/1997 307590 ARO
753
5,000
8.15%
1/1/1997 307590 ARO
797
5,000
8.15%
1/1/1997 307590 ARO
848
5,000
8.30%
1/1/1998 307590 AS8
889
5,000
8.30%
1/1/1998 307590 AS8
891
5,000
8.30%
1/1/1998 307590 AS8
908
5,000
8.40%
1/1/1999 307590 AT6
952
5,000
8.40%
1/1/1999 307590 AT6
963
5,000
8.40%
1/1/1999 307590 AT6
976
5,000
8.40%
1/1/1999 307590 AT6
Bonds bearing the interest rate of 8.875% maturing
1/1/2012 *C U SIP number 307590AA7 in increments
of $5,000 are numbered as follows:

Bond
Number

Bond
Number

Bond
Number

Bond
Number

Bond
Number

Bond
Number

1000
1293
1763
2137
2508
2907
1082
1383
1774
2179
2516
2951
1116
1450
1807
2208
2545
2954
1134
1467
1844
2211
2594
2986
1146
1500
1875
2250
2595
2993
1158
1545
1904
2262
2612
3045
1204
1603
1922
2282
2632
3080
1209
1643
1948
2321
2672
3187
1217
1651
1986
2329
2682
3216
1674
1246
2034
2341
2813
3249
1267
1713
2048
2343
2859
3307
1290
1733
2123
2370
Payment of the Redemption Price on the Redeemed
Bonds will become due and payable on the Redemp­
tion Date upon presentation and surrender of the
Bonds at the following locations:
If presented in person:
First Bank Minneapolis
Convenience Banking
120 South Sixth Street
Minneapolis, MN 55402
or
First Bank St. Paul
Convenience Banking
332 Minnesota Street
St. Paul, MN 55101
If delivered by mail:
First Trust National Association
First Trust Center
Coupon Collection Department
P O . Box 64111
St. Paul, MN 55164-0111
If presented in person, please allow a one-hour period
for processing your payment. If you have any ques­
tions, please call Bondholder Relations at (612) 2237900.
From and after the Redemption Date, interest on the

Important Notice
In compliance with the Interest and Dividend Compli­
ance Act of 1983 and Broker Reporting Require­
ments, the redeeming institution is required to with­
hold 20% of the principal amount of your holdings
redeemed unless we are provided with your social se­
curity number or federal employer identification num­
ber, properly certified. This compliance should be ful­
filled through the submitting of a W-9 Form which may
be obtained at a Bank or other Financial Institution.
Dated: November 22, 1989
CITY OF FARIBAULT
RICE COUNTY, MINNESOTA
By: First Trust National Association
(Formerly First Trust Company of
Saint Paul)
As Trustee
*The CUSIP number has been assigned by Standard
& Poor’s and is included solely for the convenience of
the holders. The Trustee shall not be responsible for
the selection or use of the Cusip number, nor is any
representation made as to its correctness indicated in
the Redemption Notice.
Published in N orthwestern Financial Review
Decem ber 9 ,1 9 8 9

LEGAL NOTICE
NOTICE OF SALE
$5,000,000 CERTIFICATES OF INDEBTEDNESS
INDEPENDENT SCHOOL DISTRICT NO. 535
(ROCHESTER), MINNESOTA
Sealed bids will be received by the School Board of
Independent School District No. 535 (R och ester),
Minnesota, for the purchase of Certificates of Indebt­
edness, the aggregate principal amount of $ 5,000,000
upon the following term s:
DATE OF SALE: December 19, 1989.
TIM E OF BID OPENING: Bids will be received until 11:00
o ’clock A .M ., at the offices of Evensen Dodge, Inc.,
Minneapolis, Minnesota, as bond consultant for the
School District; consideration of the bids by the School
Board will be at 7:00 o ’clock P.M. that same day.
DATE OF ISSUE: January 4, 1990.
PURPOSE: To m eet expenditures for school purposes for
which taxes have been levied in 1989 for collection in
1990, which taxes will not be received in time to meet
all such expenditures.
MATURITY: February 4, 1991.
REDEMPTION: Not redeemable before maturity.
LEGAL OPINION: Dorsey & Whitney, of Minneapolis, Min­
nesota.
INTEREST: Payable at maturity. One rate which must be
a multiple of 1/100 or 1/8 of 1%.
SALE TERMS: Sealed bids only, at a price of not less than
$5,0 0 0 ,0 0 0 plus accrued interest.

m Evensen

d o d g e , inc .

222 South Ninth Street
Suite 3800
Minneapolis, MN 33402
612/338-3333
Published in Northwestern Financial Review
December 9, 1989

8 0 YEARS STRONG
EXPERIENCE! There is no substitute.

That’s Right! For EIGHT DECADES We have been filling
the Bonding Needs of Midwestern Bankers
THE REASONS . . .

SUPERIOR SERVICE
MOST COMPETITIVE PREMIUMS
REALISTIC UNDERWRITING
PROMPT CLAIMS SERVICE

IF YOU’RE NOT GETTING THE SAME FROM YOUR BONDING COMPANY . . .
GIVE US A CALL - YOU’LL BE GLAD YOU DID.

THE KANSAS BANKERS
SURETY COMPANY
RATED A (Excellent) by A.M. Best 1988 Edition

DONALD M. TOWLE
President

DAVID E. ABENDROTH
Senior Vice President

611 Kansas Avenue P.O. Box 1654
Topeka, Kansas 66601
P h o n e 1-913-234-2631
FINANCIAL INSTITUTION BONDS, SAFE DEPOSITORY LIABILITY, CHECK KITING FRAUD INDEMNIFICATION,
DIRECTORS AND OFFICERS COVERAGE

O w n e d b y Bankers to Serve Bankers Since 1909

https://fraser.stlouisfed.org
Federal Reserve Bank of St. Louis

When it comes to correspondent banking,
we’ve got you covered like never before.
Wherever your bank is located, whatever size
your bank may be, you can count on a Norwest
Correspondent Banker to bring you the specialized
services you need.
Our Correspondent Bankers are available
throughout the midwest to serve you better and
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the special needs of community banks. And we want
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Whether you need a bank valuation, acquisition
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any of our correspondent services, call your Norwest
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dent banking, we’ve got you covered like never before.

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