Board of Governors of the Federal Reserve System (U.S.), 1935-. "Written Agreement with Heritage Bancorp and First Bank of Cleveland : Attachment 1" in Press Releases of the Board of Governors of the Federal Reserve System (November 16, 1999). https://fraser.stlouisfed.org/title/9237/item/674718/content/pdf/frsbog_pr_19991116d-1, accessed on August 13, 2026.