Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 20

Week Ending May 13, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions May 7, 2000 to May 13, 2000

Regulations And Policies

Regulation G (Disclosure and Reporting of CRA-Related Agreements) -- publication 

for comment of proposed interagency rules to implement the Community 

Reinvestment Act sunshine requirements of the Gramm-Leach-Bliley Act.

- Approved, May 10, 2000 

Regulation P (Privacy of Consumer Financial Information) -- interagency final rules 

to implement the privacy provisions of the Gramm-Leach-Bliley Act.

- Approved, May 10, 2000 

(AC) = Addition or Correction Board - Page 1 of 1
May 7, 2000 to May 13, 2000

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Community Bank, Katy, Texas -- to establish a branch at 5723 Second Street.

- Approved, May 10, 2000 

Dallas

First Interstate Bank, Billings, Montana -- to establish a branch at the corner of 

Wicks Lane and Main Street.

- Approved, May 10, 2000 

Minneapolis

Libertyville Bank & Trust Company, Libertyville, Illinois -- to establish a branch at 

495 West Liberty Street, Wauconda.

- Returned, May 8, 2000 

Chicago

Provident Bank, Sarasota, Florida -- to establish a branch at 5791-5793 Manatee 

Avenue West, Suites 13 and 14, Bradenton.

- Approved, May 9, 2000 

Atlanta

Salin Bank and Trust Company, Indianapolis, Indiana -- to establish a branch at 

Kroger Supermarket, 605 North Dixon Road, Kokomo.

- Approved, May 10, 2000 

Chicago

Bank Holding Companies

CB Bancshares, Inc., Honolulu, Hawaii -- to engage de novo in data processing 

activities through a subsidiary.

- Approved, May 12, 2000 

San Francisco

CVB Financial Corp., Ontario, California -- to engage de novo in brokering and 

providing loans through CVB Ventures, Inc.

- Approved, May 10, 2000 

San Francisco

(AC) = Addition or Correction Delegated - Page 1 of 9
H.2 Actions under delegated authority May 7, 2000 to May 13, 2000

Bank Holding Companies

First Community Bancshares, Inc., Bargersville, Indiana -- request for waiver of 

application in connection with the proposed acquisition of Blue River Federal 

Savings Bank, Edinburgh.

- Withdrawn, May 8, 2000 

Chicago

First Liberty Capital Corporation ESOP, Hugo, Colorado -- to acquire shares of 

First Liberty Capital Corporation.

- Withdrawn, May 11, 2000 

Kansas City

First Northern Community Bancorp, Dixon, California -- transfer agent registration.

- Approved, May 10, 2000 

Director, BS&R

FSB Bancorp, Wever, Iowa -- relief from a commitment.

- Granted, May 2, 2000 (AC)

Chicago

Gulfport Bancshares, Inc., Richwood, Texas -- to become a bank holding company 

through the acquisition of Brazoswood National Bank.

- Approved, May 10, 2000 

Dallas

Home Bancshares, Inc., Conway, Arkansas -- to acquire a subsidiary holding 

company, North Little Rock Bancshares, Inc., Conway, and through that subsidiary 

acquire First Western Bank and Trust Company, Rogers.

- Approved, May 9, 2000 

St. Louis

Ida Grove Bancshares, Inc., Ida Grove, Iowa, and its subsidiary, American 

Bancshares, Inc., Holstein -- to acquire shares of American National Bank, Sac City, 

a de novo bank.

- Approved, May 12, 2000 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 9
H.2 Actions under delegated authority May 7, 2000 to May 13, 2000

Bank Holding Companies

Islands Bancorp, Beaufort, South Carolina -- to become a bank holding company 

through the acquisition of Islands Community Bank, N.A., a de novo bank.

- Approved, May 11, 2000 

Richmond

Lisco State Company, Lisco, Nebraska -- to acquire The American National Bank of 

Kimball, Kimball, by acquiring Kimball Bancorp, Inc. through Lisco's subsidiary, 

First Nebraska Bancs, Inc., Sidney.

- Approved, May 9, 2000 

Kansas City

Marquette Bancshares, Inc., Minneapolis, Minnesota -- to acquire Trowbridge 

Kieselhorst & Company, San Francisco, California, and thereby engage in extending 

credit and servicing loans, providing real estate and personal property appraisals, and 

arranging commercial real estate equity financing.

- Approved, May 8, 2000 

Minneapolis

National Commerce Bancorporation, Memphis, Tennessee -- to retain ownership of 

Prime Financial Services, Inc., Dresden, and thereby engage in factoring activities.

- Approved, May 9, 2000 

St. Louis

Niagara Bancorp, MHC, Lockport, New York, and Niagara Bancorp, Inc. -- to 

acquire CNY Financial, Cortland, and thereby control Cortland Savings Bank.

- Approved, May 10, 2000 

Secretary

North Fork Bancorporation, Inc., Melville, New York -- commenter's request to 

extend the comment period for the proposed acquisition of Dime Bancorp, Inc., New 

York City.

- Denied, May 8, 2000 

Secretary

(AC) = Addition or Correction Delegated - Page 3 of 9
H.2 Actions under delegated authority May 7, 2000 to May 13, 2000

Bank Holding Companies

North Fork Bancorporation, Inc., Melville, New York -- request to extend the period 

to receive comments from a commenter on the proposed acquisition of Dime 

Bancorp, Inc., New York City.

- Approved, May 9, 2000 

Secretary

North Fork Bancorporation, Inc., Melville, New York -- request to extend the period 

to receive comments from a commenter on the proposed acquisition of Dime 

Bancorp, Inc., New York City.

- Denied, May 12, 2000 

Secretary

SouthernBank Holdings, Inc., Buford, Georgia -- to become a bank holding 

company through the acquisition of SouthernBank, N.A., a de novo bank.

- Approved, May 10, 2000 

Atlanta

Trustco Bank Corp New York, Schenectady, New York -- to merge with Landmark 

Financial Corp., Canajoharie, and thereby acquire Landmark Community Bank, a 

federal savings bank.

- Approved, May 8, 2000 

New York

United Financial Holdings Corporation, Lisle, Illinois -- to become a bank holding 

company through the acquisition of United Community Bank of Lisle, a de novo 

bank.

- Approved, May 12, 2000 

Chicago

Bank Mergers

Dacotah Bank, Aberdeen, South Dakota -- to merge with First National Bank, 

Hettinger, and to establish branches.

- Approved, May 8, 2000 

Minneapolis

(AC) = Addition or Correction Delegated - Page 4 of 9
H.2 Actions under delegated authority May 7, 2000 to May 13, 2000

Bank Mergers

First Virginia Bank-Mountain Empire, Abingdon, Virginia -- to merge with Tri-City 

Bank and Trust Company, Blountville, Tennessee.

- Approved, May 10, 2000 

Richmond

Pinnacle Bank, Papillion, Nebraska -- to merge with Pinnacle Bank, Neligh, Pinnacle 

Bank, N.A., Columbus; Pinnacle Bank, N.A., Ogallala; and Pinnacle Bank, N.A., 

Osceola; and to establish branches.

- Approved, May 8, 2000 

Kansas City

Banks, Foreign

Mizuho Holdings, Inc., Tokyo, Japan -- commenter's request to extend the public 

comment period for the proposed acquisition of The Dai-Ichi Bank, Ltd., The Fuji 

Bank, Ltd., and The Industrial Bank of Japan, Ltd.

- Denied, May 12, 2000 

Secretary

Taiwan Business Bank, Taipei, Taiwan -- to establish a branch in New York, New 

York.

- Withdrawn, May 10, 2000 

San Francisco

Banks, Nonmember, And Miscellaneous Institutions

Investors Trust Company, Wyomissing, Pennsylvania -- transfer agent registration.

- Withdrawn, May 10, 2000 

Director, BS&R

Banks, State Member

First Illinois Bank, East St. Louis, Illinois -- payment of a dividend.

- Approved, May 10, 2000 

St. Louis

(AC) = Addition or Correction Delegated - Page 5 of 9
H.2 Actions under delegated authority May 7, 2000 to May 13, 2000

Change In Bank Control

Allendale Bancorp, Inc., Allendale, Illinois -- change in bank control.

- Permitted, May 8, 2000 

St. Louis

Delphos, Inc., Delphos, Kansas -- change in bank control.

- Permitted, May 12, 2000 

Kansas City

Southern State Bancshares, Inc., Malvern, Arkansas -- change in bank control.

- Permitted, May 11, 2000 

St. Louis

Competitive Factors Reports

Berkshire Bank, Pittsfield, Massachusetts -- report on competitive factors of the 

proposed merger with Berkshire Bancorp.

- Submitted, May 9, 2000 

Boston

Burton State Bank, Burton, Texas -- report on competitive factors of the proposed 

merger with New Burton Bank, an interim bank.

- Submitted, May 10, 2000 

Dallas

Frontier Bank, Everett, Washington -- report on competitive factors of the proposed 

merger with North Sound Bank, Poulsbo.

- Submitted, May 11, 2000 

San Francisco

Gateway National Bank of St. Louis, St. Louis, Missouri -- report on competitive 

factors of the proposed merger with Gateway National Interim Bank.

- Submitted, May 11, 2000 

St. Louis

(AC) = Addition or Correction Delegated - Page 6 of 9
H.2 Actions under delegated authority May 7, 2000 to May 13, 2000

Competitive Factors Reports

Grange National Bank, Laceyville, Pennsylvania -- report on competitive factors of 

the proposed purchase of assets and assumption of liabilities of the Tunkhannock 

branch of Pioneer American Bank, Carbondale.

- Submitted, May 10, 2000 

Philadelphia

New Era Bank, Fredericktown, Missouri -- report on competitive factors of the 

proposed purchase of the Park Hills branch of Heartland Bank, Clayton.

- Submitted, May 11, 2000 

St. Louis

Norwest Bank Wisconsin, N.A., Milwaukee, Wisconsin -- report on competitive 

factors of the proposed consolidation with Norwest Bank LaCrosse, N.A., LaCrosse; 

and Norwest Bank Hudson, N.A., Hudson.

- Submitted, May 8, 2000 

Minneapolis

Simmons First Bank of Northwest Arkansas, Rogers, Arkansas, and Simmons First 

National Bank, Pine Bluff -- report on competitive factors of the proposed purchase 

by Simmons First Bank of six Benton and Washington Counties branches of First 

Financial Bank, El Dorado, and the proposed purchase by Simmons First National 

Bank of two Conway branches of First Financial Bank.

- Submitted, May 11, 2000 

St. Louis

Extensions Of Time

Bank of Bentonville, Bentonville, Arkansas -- extension to December 31, 2000, to 

relocate its branch from 31Cunningham Corner, Bella Vista, to 70 Sugar Creek 

Center.

- Granted, May 12, 2000 

St. Louis

Baytree Bancorp, Inc., Chicago, Illinois -- extension to August 29, 2000, to become 

a bank holding company through the acquisition of Baytree National Bank & Trust 

Company, a de novo bank.

- Granted, May 10, 2000 

Chicago

(AC) = Addition or Correction Delegated - Page 7 of 9
H.2 Actions under delegated authority May 7, 2000 to May 13, 2000

Extensions Of Time

Commonwealth Bancshares, Inc., Shelbyville, Kentucky -- extension to June 30, 

2000, to acquire Commonwealth Financial Corporation, Louisville, and thereby 

acquire Commonwealth Bank and Trust Company.

- Granted, May 10, 2000 

St. Louis

First Bancshares Corporation, Gladstone, Michigan -- extension to August 10, 2000, 

to acquire shares of Baybank Corporation.

- Granted, May 8, 2000 

Minneapolis

Iowa State Bank Holding Company, Des Moines, Iowa -- extension to August 15, 

2000, to engage de novo in community development through Capitol Partners, L.C.

- Granted, May 10, 2000 

Chicago

Lehigh Acres First National Bancshares, Inc., Lehigh Acres, Florida -- extension to 

August 13, 2000, to become a bank holding company through the acquisition of 

Lehigh Acres First National Bank, a de novo bank.

- Approved, May 12, 2000 

Atlanta

Van Orin Bancorp, Inc., Van Orin, Illinois -- extension to August 6, 2000, to become 

a bank holding company through the acquisition of First State Bank of Van Orin.

- Granted, May 2, 2000 (AC)

Chicago

Financial Holding Companies

Cambank, Inc., Lake Zurich, Illinois -- election to become a financial holding 

company.

- Effective, May 11, 2000 

Chicago

Commercial National Financial Corporation, Ithaca, Michigan -- election to become 

a financial holding company.

- Effective, May 11, 2000 

Chicago

(AC) = Addition or Correction Delegated - Page 8 of 9
H.2 Actions under delegated authority May 7, 2000 to May 13, 2000

Financial Holding Companies

First Busey Corporation, Urbana, Illinois -- election to become a financial holding 

company.

- Effective, May 11, 2000 

Chicago

First Interstate BancSystem, Inc., Billings, Montana -- election to become a financial 

holding company.

- Effective, May 10, 2000 

Minneapolis

Hometown Bancorp, Ltd., Fond du Lac, Wisconsin -- election to become a financial 

holding company.

- Effective, May 11, 2000 

Chicago

Keystone Financial Corporation, Kalamazoo, Michigan -- election to become a 

financial holding company.

- Effective, May 11, 2000 

Chicago

Membership

SpiritBank, Bristow, Oklahoma -- to retain membership in the Federal Reserve 

System after conversion to a state charter.

- Approved, May 9, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 9 of 9
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, May 13, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None
Section V – Availability of CRA public evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs

of the communities in which they operate, including low - and moderate-income neighborhoods. It was enacted

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation

was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire

community be evaluated periodically. That record is taken into account in considering an institution's application

for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, May 13, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Credit Commercial de France, Paris, France, to establish a

representative office in New York, New York.

Newspaper – N/Avail

FBSEA Banco Comercial Portugues, S.A., Porto, Portugal, to establish a

representative office in Miami, Florida.

Newspaper – N/Avail

FBSEA Arab Banking Corporation (B.S.C.), Manama, Bahrain, to

establish a federally licensed uninsured branch in Greenwich,

Connecticut.

Newspaper – N/Avail

FBSEA The Chuo Trust & Banking Co., Ltd., Tokyo, Japan, to establish

a representative office in New York, New York.

Newspaper – N/Avail

FBSEA Banco Itau S.A., Sao Paulo, Brazil, to establish a representative

office in Miami, Florida.

Newspaper – N/Avail

FBSEA Banca Antoniana Popolare Veneta, Rome, Italy, to establish a

branch office in New York, New York.

Newspaper – N/Avail

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – Availability of CRA public evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs

of the communities in which they operate, including low - and moderate-income neighborhoods. It was enacted

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation

was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire

community be evaluated periodically. That record is taken into account in considering an institution's application

for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Third Quarter of 2000

Institution Location

Banco Popular North America 4000 West North Avenue, Chicago, Illinois 60639

Bank of Smithtown One East Main Street, Smithtown, New York 11787

The Merchants Bank of New York 275 Madison Avenue, New York, New York 10016

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, May 13, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None
Section V – Availability of CRA public evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs

of the communities in which they operate, including low - and moderate-income neighborhoods. It was enacted

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation

was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire

community be evaluated periodically. That record is taken into account in considering an institution's application

for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, May 13, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Received application on 05/11/2000 from Peoples Bank and

Trust Company, Sunman, IN to purchase and acquire two branch

offices of First National Bank of Southwestern Ohio, Hamilton,

OH located in Connersville and Brooksville, IN.

06/10/2000

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

4(c)(8) Received notice from First State Bancshares, Middlesboro, KY

of its intent to acquire LexBanc Corporation, Laxington, KY and

its wholly-owned subsudarry, The Lexington Bank, FSB, both of

Lexington, KY.

Not yet available

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None
Section V – Availability of CRA public evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs

of the communities in which they operate, including low - and moderate-income neighborhoods. It was enacted

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation

was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire

community be evaluated periodically. That record is taken into account in considering an institution's application

for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, May 13, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Centura Bank, Rocky Mount, North Carolina, to establish a

branch at 7421 Carmel Executive Park, Suite 100, Charlotte,

North Carolina.*

Newspaper – 05/21/2000

Branch Centura Bank, Rocky Mount, North Carolina, to operate a

commercial lending branch facility at 452 Lakeshore Parkway,

Suite 105, Rock Hill, South Carolina.*

Newspaper - 05/21/2000

*Subject to the provisions of the Community Reinvestment Act.

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) CCB Financial Corporation, Durham, North Carolina, to

acquire 19.9% of the voting shares of National Commerce

Bancorporation, Memphis, Tennessee.*

Fed Reg – N/Avail

Newspaper – N/Avail

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None
Section V – Availability of CRA public evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs

of the communities in which they operate, including low - and moderate-income neighborhoods. It was enacted

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation

was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire

community be evaluated periodically. That record is taken into account in considering an institution's application

for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for third Quarter of 2000

Institution Location

United Bank Arlington, Virginia

F&M Bank-Highlands Covington, Virginia

Community First Bank Forest, Virginia

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, May 13, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch AmSouth Bank, Birmingham, Alabama, proposes to establish a

branch located at 2905 Bayshore Boulevard, Tampa, Florida, to

be known as the Bayshore Office.

05/11/2000*

Branch The Bank of Nashville, Nashville, Tennessee, proposes to

establish a branch located at the southeast corner of the

intersection of Carothers Parkway and Bakers Bridge Road,

Franklin, Tennessee.

05/17/2000*

*Subject to provisions of the Community Reinvestment Act

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(5) Regions Financial Corporation, Birmingham, Alabama, to merge

with Heritage Bancorp, Inc., and thereby directly acquire Texas

Heritage Bank, both of Hutto, Texas.

N/Avail*

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

3(a)(1) Home Town Banking Corporation, notice to become a bank

holding company by acquiring Walton Bank & Trust Company,

both of Monroe, Georgia.
Section V – Availability of CRA public evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs

of the communities in which they operate, including low - and moderate-income neighborhoods. It was enacted

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation

was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire

community be evaluated periodically. That record is taken into account in considering an institution's application

for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Third Quarter of 2000

Institution Location

Bay Bank Theodore, Alabama

Palm Beach County Bank Miami, Florida

Provident Bank of Florida Sarasota, Florida

Horizon Bank Bradenton, Florida

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, May 13, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) &

 Branch

Old Kent Bank, Grand Rapids, Michigan, for prior approval to

merge with Grand Premier Trust and Investment, Inc., N.A.

Freeport, Illinois, and thereby establish various branch offices .*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) Ledyard Bancorporation, Inc., Ledyard, Iowa, for prior approval

to become a bank holding company through the acquisition of

State Bank of Ledyard, Ledyard, Iowa*.

Fed Reg – 06/01/2000

Newspaper – 06/02/2000

3(a)(1) Bankoelwein, Inc., Oelwein, Iowa, for prior approval to become

a bank holding company through the acquisition of Community

Bank of Oelwein, Oelwein, Iowa.*

Fed Reg – 06/09/2000

Newspaper – N/Avail

4(c)(8) The PrivateBancorp, Inc., Chicago, Illinois, for prior approval to

acquire 100 percent of the voting shares of The PrivateBank (a

de novo thrift institution), St. Louis, Missouri

Fed Reg – 06/09/2000

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – Availability of CRA public evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs

of the communities in which they operate, including low - and moderate-income neighborhoods. It was enacted

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation

was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire

community be evaluated periodically. That record is taken into account in considering an institution's application

for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

2239288 North Shore Community Bank &

Trust

1145 Wilmette Avenue

Wilmette, Illinois 60091

(847) 853-1145

06/15/1999 05/10/2000 S X

Section VI – CRA examinations scheduled for Third Quarter of 2000

Institution Location

Pullman Bank and Trust Company Chicago, Illinois

Community Bank of Boone Boone, Iowa

Security State Bank Lake Park, Iowa
Section VI – CRA examinations scheduled for Third Quarter of 2000

Institution Location

First Trust & Savings Bank Marcus, Iowa

F&M Bank-Iowa Central Marshalltown, Iowa

BankOne Michigan Detroit, Michigan

ChoiceOne Bank Sparta, Michigan

 M&I Bank Southern Wisconsin Madison, Wisconsin

 Legacy Bank Milwaukee, Wisconsin

 Johnson Bank Racine, Wisconsin

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, May 13, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Notice by Midwest BankCentre, St. Louis, Missouri, to establish

a branch at 1001 Phoenix Parkway, St. Charles, Missouri.*

5/25/2000

* Subject to the provisions of the Community Reinvestment Act

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

4(c)(8) Notice by Lima Bancshares, Inc., Lima, Illinois, for retroactive

approval to retain its existing ownership interest in East

Dubuque Bancshares, Inc., East Dubuque, Illinois, after the

conversion of that company’s wholly owned subsidiary, East

Dubuque Savings Bank, East Dubuque, Illinois, from a statechartered commercial bank to a federally-chartered savings

bank. (Previously submitted during the week ending May 6,

2000)*

Newspaper – 6/9/2000

Fed Reg – 6/8/2000

CIC Notice involving BOR Bancshares, Inc., Rogers, Arkansas, by

Anthony and Suzanne Steele, Bentonville, Arkansas.

Newspaper – 6/3/2000

Fed Reg – 5/31/2000

3(a)(5) Notice by Valley Capital Corp., Greenwood, Mississippi, to

acquire State Capital Corporation, Brookhaven, Mississippi.*

Newspaper – 6/13/2000

Fed Reg – 6/12/2000

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Notice by Area Bancshares, Inc., Owensboro, Kentucky, to

establish a wholly owned nonbank subsidiary, Area Trust

Company, Owensboro, Kentucky, and thereby engage in trust

company activities. (Previously submitted during the week

5/30/2000
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

ending May 6, 2000)

4(c)(8) Notice by Summit Bancorp, Inc., Arkadelphia, Arkansas, to

establish a wholly owned subsidiary, Summit Residential

Services, Inc., Arkadelphia, Arkansas, and thereby engage in

community development activities. (Previously submitted

during the week ending May 6, 2000)

5/30/2000

4(c)(8) Notice by Concord EFS, Inc., Memphis, Tennessee, to acquire

Cash Station, Inc., Chicago, Illinois, and its minority interest in

Primary Payment Systems, Inc., Scottsdale, Arizona, and

thereby engage in data processing activities.

N/Avail.

Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – Availability of CRA public evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs

of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation

was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire

community be evaluated periodically. That record is taken into account in considering an institution's application

for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

2503569 Pinnacle Bank

Little Rock, Arkansas

1/10/2000 5/8/2000 S X
Section VI – CRA examinations scheduled for Third Quarter of 2000

Institution Location

Midsouth Bank Jonesboro, Arkansas

Arvest Bank Rogers, Arkansas

Bank of Louisville Louisville, Kentucky

First Bank Creve Coeur, Missouri

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the instituiton will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, May 13, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) Minnwest Corporation, Minnetonka, Minnesota, for prior

approval to acquire 100% of the voting shares of Minnwest

Bank Sioux Falls, Sioux Falls, South Dakota, a de novo bank.*

Fed Reg – 06/02/2000

3(a)(3) JDOB, Inc., Sandstone, Minnesota, for prior approval to acquire

80.0% of the voting shares of First National Bank of Hinckley,

Hinckley, Minnesota, a de novo bank.*

Fed Reg – 06/08/2000

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None
Section V – Availability of CRA public evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs

of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation

was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire

community be evaluated periodically. That record is taken into account in considering an institution's application

for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Third Quarter of 2000

Institution Location

First Interstate Bank of Commerce Billings, Montana

Rocky Mountain Bank Billings, Montana

Glacier Bank Kalispell, Montana

State Bank of LaCrosse LaCrosse, Wisconsin

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.

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. Written comments regarding the CRA performance of these

institutions should be directed to Ms. JoAnne Lewellen at the Federal Reserve Bank of Minneapolis,

Banking Supervision Department, P. O. Box 291, Minneapolis, Minnesota 55480-0291.
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, May 13, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) / Branch Pinnacle Bank, Papillion, Nebraska, to purchase the assets and

assume the liabilities of National Bank of Commerce Trust &

Savings Association - NBC Parkway Branch, Lincoln,

Nebraska, and incident thereto, to establish an additional branch.

Newspaper - 06/03/2000

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

Member Arvest State Bank, Tulsa, Oklahoma, presently known as State

Bank & Trust Company, Tulsa, Oklahoma, for membership in

the Federal Reserve System.

3(a)(1) Wyoming National Bancorporation, Riverton, Wyoming, to

become a bank holding company through the reorganization of

100 percent of the voting shares of Wyoming National Bank,

Riverton, Wyoming.
Section V – Availability of CRA public evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs

of the communities in which they operate, including low - and moderate-income neighborhoods. It was e nacted

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation

was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire

community be evaluated periodically. That record is taken into account in considering an institution's application

for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, May 13, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Security Bank, Ralls, TX, to merge with

Security Bank, Idalou, TX, and establish two branch offices*

N/Avail

Branch Security Bank, Ralls, TX, to establish branch offices at

301 South Main Street, Idalou, TX, 79329, and

611 Avenue D, Abernathy, TX, 79311*

N/Avail

*Subject to the provisions of the Community Reinvestment Act

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None
Section V – Availability of CRA public evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs

of the communities in which they operate, including low - and moderate-income neighborhoods. It was enacted

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation

was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire

community be evaluated periodically. That record is taken into account in considering an institution's application

for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Third Quarter of 2000

Institution Location

Citizens Bank

253262

103 Texas Avenue

Slaton, TX 79364-4245

Community Bank

268257

500 South Morgan

Granbury, TX 76048-1960

PNB Financial Bank

637451

50th & University Avenue

Lubbock, TX 79413

Lone Star Bank

63957

12727 East Freeway

Houston, TX 77015

United Central Bank

259657

4555 West Walnut

Garland, TX 75042-5143

Bank of Commerce

352651

201 North Main Street

McLean, TX 79057

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, May 13, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Santa Barbara Bank & Trust, Santa Barbara, California, to

merge with Los Robles Bank, Thousand Oaks, California. *

Newspaper- 06/07/2000

Branch M&I Thunderbird Bank, Phoenix, Arizona, to establish a branch

office at 1200 North Wilmot Road, Tucson, Arizona. *

Newspaper - 05/13/2000

Branch Sacramento Commercial Bank, Sacramento, California, to

establish a branch office at 112 Harding Boulevard, Roseville,

California. *

Newspaper - 06/02/2000

* Subject to the provisions of the Community Reinvestment Act

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) Pacific Capital Bancorp, Santa Barbara, California, to acquire

San Benito Bank, Hollister, California. *

Newspaper - 06/07/2000

Fed Reg - 06/05/2000

3(a)(5) Pacific Capital Bancorp, Santa Barbara, California, to merge

with Los Robles Bancorp, Thousand Oaks, California. *

Newspaper - 06/07/2000

Fed Reg - 06/05/2000

3(a)(3) Greater Bay Bancorp, Palo Alto, California, to acquire Bank of

Santa Clara, Santa Clara, California. *

Newspaper - 06/11/2000

Fed Reg - 06/09/2000

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

Waiver Foothill Independent Bancorp, Glendora, California, to

reincorporate in Delaware.

S/R California Center Bank, Los Angeles, California, to repurchase

shares of its common stock between May 2000 and May 2001.

Section V – Availability of CRA public evaluations

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs

of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation

was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire

community be evaluated periodically. That record is taken into account in considering an institution's application

for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None
Section VI – CRA examinations scheduled for Third Quarter of 2000

Institution Location

Barnes Banking Company Kaysville, Utah

Civic Bank of Commerce Oakland, California

Santa Barbara Bank & Trust Santa Barbara, California

Nevada First Bank Las Vegas, Nevada

Bank of the Orient San Francisco, California

El Dorado Bank Tustin, California

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.