Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 46

Week Ending November 13, 1999

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions November 7, 1999 to November 13, 1999

Testimony And Statements

Federal Reserve efforts to deter and detect money laundering and other financial 

crimes -- statement by Mr. Small, Assistant Director, Division of Banking 

Supervision and Regulation, before the Permanent Subcommittee on Investigations, 

Committee on Governmental Affairs, U.S. Senate. 

- Published, November 10, 1999 

Bank Holding Companies

Bayerische Hypo- und Vereinsbank AG, Munich, Germany; Deutsche Bank AG, 

Frankfurt; and Stichting Prioriteit ABN AMRO Holding, Amsterdam, The 

Netherlands; Stichting Administratiekantoor ABN AMRO Holding; ABN AMRO 

Holding, N.V.; and ABN AMRO Bank N.V. -- to retain interests in Identrus, LLC, 

New York, New York, and to engage in acting as a certification authority in financial 

and nonfinancial transactions.

- Approved, November 10, 1999 

Forms

Bank reports -- discontinuation of consumer credit report (FR 2571); extension with 

revision of weekly reports of assets and liabilities for large banks (FR 2416), selected 

assets (FR 2644), and assets and liabilities for large U.S. branches and agencies of 

foreign banks (FR 2069); and extension without revision of report on loans secured 

by real estate in flood hazard areas (FR H-2).

- Approved, November 10, 1999 

Publications

Internet privacy policies of banks and thrift institutions -- bank regulatory agencies' 

report, "Interagency Financial Institution Web Site Privacy Survey Report."

- Published, November 9, 1999 

Reserve Bank Services

Payments System -- settlement-day finality for automated clearing house (ACH) 

credit transactions processed by the Federal Reserve Banks.

- Approved, November 10, 1999 

(AC) = Addition or Correction Board - Page 1 of 1
November 7, 1999 to November 13, 1999

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

Bank of Cherokee County, Hubert, Oklahoma -- to establish a branch at 125 East 

First Street, Tahlequah, and to become a member of the Federal Reserve System.

- Approved, November 9, 1999 

Kansas City

Legacy Bank of Texas, Plano, Texas -- to establish a branch at 7031 Snider Plaza, 

University Park.

- Approved, November 5, 1999 (AC)

Dallas

M&I Thunderbird Bank, Phoenix, Arizona -- to establish a branch at 19th Avenue 

and Mohawk Lane.

- Approved, November 12, 1999 

San Francisco

Madison Bank, Blue Bell, Pennsylvania -- to establish a branch at 100 Gibralter 

Road, Horsham.

- Approved, November 12, 1999 

Philadelphia

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 111 Route 110, Babylon.

- Approved, November 9, 1999 

New York

Bank Holding Companies

Bay Banks of Virginia, Inc., Kilmarnock, Virginia -- to engage in trust activities and 

securities brokerage activities through Bay Trust Company.

- Approved, November 8, 1999 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority November 7, 1999 to November 13, 1999

Bank Holding Companies

Camden National Corporation, Camden, Maine -- to acquire KSB Bancorp, Inc., 

Kingfield, and thereby acquire Kingfield Savings Bank.

- Approved, November 10, 1999 

Boston

Capitol Bancorp, Ltd., Lansing, Michigan; Sun Community Bancorp Limited, 

Phoenix, Arizona; and Nevada Community Bancorp Limited, Las Vegas, Nevada -- 

to acquire shares of Red Rock Community Bank, Las Vegas, a de novo bank.

- Approved, November 10, 1999 

Chicago

Community First National Bank, Fergus Falls, Minnesota; River Acquisition Corp., 

Minneapolis; and Community First Bankshares, Inc., Fargo, North Dakota -- to 

acquire River Bancorp, Inc., Ramsey, Minnesota, and thereby acquire Northland 

Security Bank.

- Approved, November 10, 1999 

Minneapolis

Compass Bancshares, Inc., Birmingham, Alabama -- to acquire Western Bancshares 

of Albuquerque, Inc., Albuquerque, New Mexico; and for Compass Bank to merge 

with Western Bank, a subsidiary of Western Bancshares, and to establish branches.

- Approved, November 5, 1999 (AC)

Secretary

Employee Stock Ownership Plan and Trust of First Grayson Bancshares, Inc., 

Celeste, Texas -- to become a bank holding company through the acquisition of First 

Grayson Bancshares, Inc., Waco, and Security Bank, Whitesboro.

- Approved, November 10, 1999 

Dallas

First Bancshares Corporation, Gladstone, Michigan -- to acquire additional shares of 

Baybank Corporation.

- Approved, November 10, 1999 

Minneapolis

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority November 7, 1999 to November 13, 1999

Bank Holding Companies

First Minden Bancshares, Inc., Minden, Nebraska -- to become a bank holding 

company through the acquisition of First National Bank and Trust Company.

- Approved, November 10, 1999 

Kansas City

First State Financial Corporation, Sarasota, Florida -- to acquire First State Bank of 

Pinellas, St. Petersburg.

- Approved, November 10, 1999 

Atlanta

FNB Bancorp, Layton, Utah -- to become a bank holding company through the 

acquisition of First National Bank of Layton.

- Returned, November 9, 1999 

San Francisco

GBT Bancorp, Gloucester, Massachusetts -- to retain an interest in Gloucester 

Investment Corporation, and thereby engage in community development activities.

- Approved, November 12, 1999 

Boston

Gideon Enterprises, L.P., Topeka, Kansas -- to become a bank holding company 

through the acquisition of Silver Lake Bank.

- Approved, November 9, 1999 

Kansas City

Graff Family, Inc., McCook, Nebraska -- to become a bank holding company 

through the acquisition of shares of McCook National Company, and thereby acquire 

The McCook National Bank and an interest in Maplewood Apartments, LLC, and 

engage in community development activities; and for McCook National Company to 

retain its investment in Maplewood Apartments, LLC.

- Approved, November 10, 1999 

Kansas City

M&F Bancorp, Inc., Holly Springs, Mississippi -- to engage de novo in consumer 

finance lending activities through Fidelity National Loans, Inc.

- Approved, November 10, 1999 

St. Louis

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority November 7, 1999 to November 13, 1999

Bank Holding Companies

NorthStar Bancshares, Inc., Estherville, Iowa -- to become a bank holding company 

through the acquisition of NorthStar Bank.

- Approved, November 10, 1999 

Chicago

Omega Financial Corporation, State College, Pennsylvania -- to acquire shares of 

Clearfield Bank & Trust Company, Clearfield.

- Withdrawn, November 8, 1999 

Philadelphia

Paradigm Bancorporation, Inc., Houston, Texas -- to acquire Dayton State Bank, 

Dayton.

- Approved, November 10, 1999 

Dallas

PNC Bank Corp., Pittsburgh, Pennsylvania -- to acquire First Data Investor Services 

Group, Inc., Westborough, Massachusetts.

- Approved, November 8, 1999 

Cleveland

PrivateBancorp, Inc., Chicago, Illinois -- request for waiver of application in 

connection with the acquisition of Johnson Bank Illinois, Lake Forest.

- Approved, November 10, 1999 

Chicago

Regal Bancorp, Inc., Owings Mills, Maryland -- to become a bank holding company 

through the acquisition of Regal Bank & Trust.

- Approved, November 8, 1999 

Richmond

St. Elizabeth Bancshares, Inc., St. Elizabeth, Missouri -- to become a bank holding 

company through the acquisition of shares of Bank of St. Elizabeth.

- Approved, November 10, 1999 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority November 7, 1999 to November 13, 1999

Bank Holding Companies

Tompkins Trustco, Inc., Ithaca, New York -- to acquire Letchworth Independent 

Bancshares Corporation, Castile, and thereby acquire its subsidiaries, The Bank of 

Castile and The Mahopac National Bank, Mahopac.

- Approved, November 10, 1999 

New York

VIB Corp., El Centro, California -- to acquire Kings River Bancorp, Reedley, and 

thereby acquire Kings River Bank.

- Approved, November 10, 1999 

San Francisco

Bank Mergers

AmSouth Bank, Birmingham, Alabama -- to merge with First American National 

Bank, Nashville, Tennessee, and thereby establish branches.

- Approved, November 2, 1999 (AC)

Secretary

Banks, Nonmember, And Miscellaneous Institutions

EchoStar Communications Corporation, Littleton, Colorado -- deregistration under 

Regulation U.

- Approved, November 8, 1999 

Kansas City

Change In Bank Control

Butte State Company, Butte, Nebraska -- change in bank control.

- Permitted, November 9, 1999 

Kansas City

Competitive Factors Reports

Bank of Washington, Washington, Missouri -- report on competitive factors of the 

proposed purchase of certain assets and assumption of certain liabilities of Meramec 

Valley Bank, Valley Park.

- Submitted, November 9, 1999 

St. Louis

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority November 7, 1999 to November 13, 1999

Competitive Factors Reports

First Bank and Trust Company, Duncan, Oklahoma -- report on competitive factors 

of the proposed merger with Lincoln Bank and Trust Co., Ardmore.

- Submitted, November 10, 1999 

Kansas City

First Security Bank of New Mexico, N.A., Albuquerque, New Mexico -- report on 

competitive factors of the proposed merger with First Security Bank of Southern 

New Mexico, N.A., Las Cruces.

- Submitted, November 10, 1999 

Kansas City

FirstBank Puerto Rico, San Juan, Puerto Rico -- report on competitive factors of the 

proposed purchase of certain assets and assumption of certain liabilities of four 

branches of Citibank, N.A., New York, New York, in Mayaguez, Ponce, and San 

Juan, and in the U.S. Virgin Islands.

- Submitted, November 10, 1999 

New York

Mercantile Bank of Trenton, N.A., Trenton, Missouri -- report on competitive 

factors of the proposed merger with Mercantile Bank, N.A., St. Louis.

- Submitted, November 4, 1999 (AC)

Secretary

New Mexico Bank and Trust, Albuquerque, New Mexico -- reports on competitive 

factors of the proposed merger with First National Bank of Clovis, Clovis.

- Submitted, November 10, 1999 

Kansas City and Dallas

Northland Security Bank, Ramsey, Minnesota -- report on competitive factors of the 

proposed merger with Community First National Bank, Fergus Falls.

- Submitted, November 10, 1999 

Minneapolis

Security National Bank, Durand, Wisconsin -- report on competitive factors of the 

proposed merger with New Security National Bank.

- Submitted, November 8, 1999 

Minneapolis

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority November 7, 1999 to November 13, 1999

Competitive Factors Reports

Sun Security Bank of America, Ellington, Missouri -- report on competitive factors 

of the proposed merger with Sun Security Bank of Mid-America, Holts Summit.

- Submitted, November 9, 1999 

St. Louis

The First National Bank of Barry, Barry, Illinois -- report on competitive factors of 

the proposed purchase of assets and assumption of liabilities of the Pittsfield branch 

of Associated Bank Illinois, N.A., Rockford.

- Submitted, November 9, 1999 

St. Louis

Extensions Of Time

Bank of the Commonwealth, Norfolk, Virginia -- extension to June 16, 2000, to 

establish a branch at 1245 Cedar Road, Chesapeake.

- Granted, November 8, 1999 

Richmond

Great Southern Bancorp, Inc., Springfield, Missouri -- extension to February 12, 

2000, to acquire shares of Guaranty Federal Bancshares, Inc., and thereby acquire 

Guaranty Federal Savings Bank.

- Granted, November 12, 1999 

St. Louis

HCNB Bancorp, Inc., Rockville, Maryland -- extension to February 8, 2000, to 

become a bank holding company through the acquisition of Harbor Capital National 

Bank, a de novo bank.

- Granted, November 8, 1999 

Richmond

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

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

Lehigh Acres First National Bank.

- Granted, November 9, 1999 

Atlanta

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority November 7, 1999 to November 13, 1999

Extensions Of Time

National Australia Bank Limited, Melbourne, Australia -- extension to February 6, 

2000, to engage de novo through its subsidiary, National Australia Capital Markets, 

LLC, New York, New York, in buying and selling securities as agent for customers' 

accounts, private placement, and transactional services.

- Granted, November 10, 1999 

Chicago

U.S. Bancorp, Minneapolis, Minnesota -- extension to January 12, 2000, for U.S. 

Bancorp Piper Jaffray to fulfill a commitment.

- Granted, November 12, 1999 

Director, BS&R

International Operations

Riggs Bank, N.A., McLean, Virginia -- to establish a branch in Berlin, Germany.

- Approved, November 8, 1999 

Richmond

(AC) = Addition or Correction Delegated - Page 8 of 8
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, November 13, 1999

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)/3(a)(5)/

4(c)(8)

Peoples Heritage Financial Group, Inc., Portland, Maine - to

acquire 100% of Banknorth Group, Inc., Burlington, Vermont

and thereby indirectly acquire The Howard Bank, N.A.,

Burlington, Vermont; First Vermont Bank and Trust Company,

Brattleboro, Vermont; First Massachusetts Bank, N.A.,

Worcester, Massachusetts; Franklin Lamoille Bank, St. Albans,

Vermont; Granite Savings Bank and Trust Company,

Barre,Vermont; Farmington National Bank, Farmington, New

Hampshire; Evergreen Bank, Glens Falls, New York and The

Stratevest Group, N.A., Barre, Vermont

Newspaper - 12/08/1999

Fed Reg - 12/10/1999

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, November 13, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Banca Intessa S.P.A., Milano, Italy, to establish a branch in New

York, New York, and to establish representative offices in

Chicago, Illinois and San Francisco, California.

Newspaper – N/Avail

FBSEA UBS AG, Zurich, Switzerland, to establish a representative

office in Boston, Massachusetts.

Newspaper – N/Avail

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

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

Type Application

Ending date of

comment period

3(a)(1)/3(a)(3) China Trust Capital A/S, Denmark (“AS”), to form a bank

holding company and acquire direct or indirect control of China

Trust Capital BV, Amsterdam, Netherlands, China Trust

Holdings Corp., New York, New York, and China Trust Bank

(U.S.A.), Torrance, California; and for China Trust Holdings

N.V., Curacao, Netherlands Antilles, to acquire control of AS.*

Newspaper – N/Avail

Fed Reg – 11/26/1999

3(a)(1) Caisse Nationale de Credit Agricola, Paris, France, to become a

bank holding company through its investment in Banco Espirito

Santo e Comercial de Lisboa, S.A., Lisbon, Portugal

(“BESCL”), through BESCL’s acquisition of Espirito Santo

Bank, Miami, Florida.*

Newspaper – 11/15/1999

Fed Reg – 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

4(c)(8) Deutsche Bank AG, Frankfurt, Germany, to engage de novo,

through DB Advisors LLC, New York, New York, an indirect

wholly-owned subsidiary, as a commodity pool operator.

Fed Reg – 11/26/1999

4(c)(8) Bayerische Hypo-Und Vereinsbank Aktiengesellschaft, Munich,

Germany, to acquire 20 percent of Babcock & Brown LP, and

Babcock & Brown Operating Partnership LP, two limited

partnerships being formed by Babcock & Brown Holdings Inc.,

all of San Francisco, California, and thereby engage in certain

nonbanking activities.

Fed Reg – 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

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

Institution Location

Chemung Canal Trust Company One Chemung Canal Plaza, Elmira, New York 14902

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, November 13, 1999

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

3(a)(1) Fidelity D & D Bancorp, Inc., Dunmore, PA, filed an application

to form a bank holding company, by acquiring Fidelity Deposit

and Discount Bank, via the merger with Fidelity Deposit and

Discount Interim Bank, Dunmore, PA, pursuant to section

225.17 of Regulation Y.
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, November 13, 1999

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 lst Quarter of 2000

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, November 13, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch TheBank, Belton, South Carolina, to establish a branch at 2200

East River Street, Anderson, South Carolina.*

Newspaper - 11/22/1999

Branch First Virginia Bank - Colonial, Richmond, Virginia, to establish

a manned night depository facility within the Chesterfield

Towne Center, 11500 Midlothian Turnpike, Richmond,

Virginia.*

Newspaper - 11/26/1999

*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)(1) Coastal Banking Company, Inc., Beaufort, South Carolina, to

become a bank holding company through the acquisition of

100% of the voting shares of Lowcountry National Bank (in

organization), Beaufort, South Carolina.*

Fed Reg -11/29/1999

Newspaper - N/A

4(c)(8) First Citizens Bancorporation of South Carolina, Inc., Columbia,

South Carolina, to acquire up to 10% of the voting shares of

Heritage Bancorp, Inc., Laurens, South Carolina.*

Fed Reg - 12/03/1999

Newspaper - 11/29/1999

4(c)(8) First Citizens Bancorporation of South Carolina, Inc., Columbia,

South Carolina, to acquire up to 10% of the voting shares of

Great Pee Dee Bancorp, Inc., Cheraw, South Carolina.*

Fed Reg - 12/03/1999

Newspaper - 12/11/1999

3(a)(1) Smith River Bankshares, Inc., Martinsville, Virginia, to become

a bank holding company through the acquisition of 100% of the

voting shares of Smith River Community Bank, N.A. (in

organization), Martinsville, Virginia.*

Fed Reg - 12/06/1999

Newspaper - 12/06/1999

3(a)(1) Chesapeake Bancorp Employee Stock Ownership Plan,

Chestertown, Maryland, to become a bank holding company

through the acquisition of up to 41.7% of the common stock of

Chesapeake Bancorp, Chestertown, Maryland.*

Fed Reg - 12/10/1999

Newspaper - 12/04/1999

3(a)(3) F&M National Corporation, Winchester, Virginia, to acquire

100% of the voting shares of The State Bank of the Alleghenies,

Covington, Virginia.*

Fed Reg - 12/13/1999

Newspaper - N/A

*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 1st Quarter of 2000

Institution Location

Centura Bank Rocky Mount, North Carolina

Highlands Union Bank Abingdon, Virginia

Bank of Williamsburg Williamsburg, Virginia

Barbour County Bank Philippi, West Virginia

F&M Bank-West Virginia Ranson, West 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, November 13, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Provident Bank, Sarasota, Florida, to establish a branch located

at 5530 Cortez Road West, Bradenton, Florida.

11/12/1999*

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

Type Application

Ending date of

comment period

3(a)(3) Riverside Banking Company, Fort Pierce, Florida, to acquire up

to 12.28 percent of Class A stock and up to 5.91 percent of Class

B stock of Riverside Gulf Coast Banking Company, Cape Coral,

Florida.

N/Avail*

3(a)(3) Riverside Banking Company, Fort Pierce, Florida, to acquire up

to 51.34 percent of Class A stock and up to 1.00 percent of Class

B stock of The Prosperity Banking Company, St. Augustine,

Florida.

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

WAIVR SouthTrust Corporation, Birmingham, Alabama, application

waiver request for the proposed merger with Brazos Bancshares,

Inc., Waxahachie, Texas, and indirect acquisition of Heritage

Bank, Waxahachie, Texas.

3(a)(1) TransAtlantic Holding Corporation, Miami, Florida, notice to

become a bank holding company by acquiring TransAtlantic

Bank, Miami, Florida.

COM Florida Bancorporation, Inc., Palm Harbor, Florida, commitment

waiver request.

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

701736 Brand Banking Company

Post Office 1110

Lawrenceville, Georgia 30246

(770) 963-9225

07/12/1999 11/09/1999 O X
Section VI – CRA examinations scheduled for 1st Quarter of 2000

Institution Location

Coconut Grove Bank Miami, Florida

Red River Bank Alexandria, Louisiana

Capital City Bank Tallahassee, Florida

First Commercial Bank of Florida Orlando, Florida

Colonial Bank Montgomery, Alabama

First Florida Bank Naples, Florida

Palm Beach County Bank Boynton Beach, Florida

AmSouth Bank Birmingham, Alabama

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, November 13, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) &

 Branch

Midwest Bank of Western Illinois

Monmouth, Illinois

 Aledo, Illinois, branch of

 Associated Bank Illinois, National Association

 Rockford, Illinois

 and to establish a branch at

 104 Southeast 3rd Avenue

 Aledo, Illinois

Newspaper – 12/03/1999

Branch Comerica Bank

Detroit, Michigan

 3097 Baldwin Road

 Orion Township, Michigan

Newspaper – 11/26/1999

Branch Irwin Union Bank and Trust Company

Columbus, Indiana

 1717 East College Parkway

 Carson City, Nevada

Newspaper – 11/29/1999

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

Type Application

Ending date of

comment period

3(a)(1) Main Street Trust, Inc.*

Champaign, Illinois

 BankIllinois Financial Corporation

 Champaign, Illinois

 BankIllinois

 Champaign, Illinois

 First Decatur Bancshares, Inc.

 Decatur, Illinois

 The First National Bank of Decatur

 Decatur, Illinois

 First Trust Bank of Shelbyville

 Shelbyville, Illinois

Fed Reg – 12/06/1999

Newspaper – 12/03/1999
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC Republic Bancorp Co.

Orland Park, Illinois

 By Terry Halikias

Fed Reg – 11/30/1999

Newspaper – N/Avail

3(a)(1) Oak Financial, Inc.*

Madison, Wisconsin

 Oak Bank (in organization)

 Fitchburg, Wisconsin

Fed Reg – 12/10/1999

Newspaper – N/Avail

3(a)(3) Fentura Bancorp, Inc.*

Fenton, Michigan

 Davison State Bank (in organization)

 Davison, Michigan

Fed Reg – 11/29/1999

Newspaper – 12/04/1999

* 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) Main Street Trust, Inc.

Champaign, Illinois

 FirsTech, Inc.

 Decatur, Illinois

Fed Reg – 12/06/1999

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 1st Quarter of 2000

Institution Location

The Northern Trust Company Chicago, Illinois

F&M Bank-Iowa Central Marshalltown, Iowa

Chemical Bank and Trust Company Midland, Michigan

M&I Bank Fox Valley Appleton, Wisconsin

M&I Bank Northeast Green Bay, Wisconsin

M&I Bank South Janesville, Wisconsin

M&I Bank Southern Wisconsin Madison, Wisconsin

M&I Central State Bank Oshkosh, Wisconsin

M&I Lakeview Bank Sheboygan, Wisconsin

M&I Bank South Central Watertown, 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, November 13, 1999

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

CIC Notice involving Columbia Bancshares, Inc., Columbia,

Kentucky, by Wanda F. Hill, Columbia, Kentucky (previously

reported during the week ending November 6, 1999).

Newspaper – 11/26/1999

Fed Reg – 11/30/1999

3(a)(5) Notice by Farmers Bancshares, Inc., Hardinsburg, Kentucky, to

acquire Leitchfield Deposit Bancshares, Inc., Leitchfield,

Kentucky. A companion Section 4(c)(8) notice accompanies

this notice.*

Newspaper – N/Avail.

Fed Reg – 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

4(c)(8) Notice by Farmers Bancshares, Inc., Hardinsburg, Kentucky, to

indirectly acquire Leitchfield Bancshares Insurance, Inc.,

Leitchfield, Kentucky, and thereby engage in the sale, as agent,

of credit related insurance, pursuant to Section 225.28(b)(11)(i)

of Regulation Y. A companion Section 3(a)(5) notice

accompanies this notice.

Fed Reg – 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

None

Section VI – CRA examinations scheduled for 1st Quarter of 2000

Institution Location

Bank of Bentonville Bentonville, Arkansas

McIlroy Bank & Trust Fayetteville, Arkansas

One Bank & Trust Little Rock, Arkansas

Pinnacle Bank Little Rock, Arkansas

First Arvest Bank Siloam Springs, Arkansas

Springdale Bank & Trust Springdale, Arkansas

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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, November 13, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First State Bank of Pipestone, Rushmore, and Worthington,

Pipestone, Minnesota, to establish a branch in Worthington,

Minnesota.

11/15/1999

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

Type Application

Ending date of

comment period

CIC Steven McLaen, David Sorgatz, and Bruce Wentz to acquire

control of Napoleon Bancorporation, Inc., Napoleon, North

Dakota.

Newspaper - 11/30/1999

CIC John M. Morrison Florida Intangible Trust No. 3 dated October

29, 1999, to acquire control of Central Bancshares, Inc., Golden

Valley, Minnesota.

Fed Reg - 11/30/1999

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 the 1st Quarter of 2000

Institution Location

Dacotah Bank

M&I Bank Eagle River

M&I Community State Bank

La Crosse State Bank

M&I Citizens American Bank

M&I Bank

Aberdeen, South Dakota

Eagle River, Wisconsin

Eau Claire, Wisconsin

La Crosse, Wisconsin

Merrill, Wisconsin

Superior, 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, November 13, 1999

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)(1) Marion Bancshares, Inc. Marion, Kansas, for prior approval to

become a bank holding company through the acquisition of 100

percent of the voting shares of Marion National Bank, Marion,

Kansas.

Newspaper – 11/26/1999

FedReg – 11/26/1999

3(a)(1) Steinauer Bancorp, Steinauer, Nebraska, for prior approval to

become a bank holding company through the acquisition of 100

percent of the voting shares of Bank of Steinauer, Steinauer,

Nebraska.

Newspaper – N/Available

FedReg – 12/10/1999

3(a)(3) First Pryor BC, Pryor, Oklahoma, for prior approval to acquire

80 percent of the voting shares of Locust Grove Bancshares,

Inc., Locust Grove, Oklahoma; and thereby indirectly acquire

Bank of Locust Grove, Locust Grove, Oklahoma and Lakeside

Bank of Salina, Salina, Oklahoma.

Newspaper – N/Available

FedReg – 12/06/1999

3(a)(3) BancFirst Corp, Oklahoma City, Oklahoma, for prior approval

to acquire 100 percent of the voting shares of First State Bank,

Oklahoma City, Oklahoma, a DeNovo bank.

Newspaper – N/Available

FedReg – 11/26/1999

3(a)(3) CountryBanc HC, Edmond, Oklahoma, for prior approval to

acquire 97 percent of the voting shares of American Heritage

Bancorp, Inc., El Reno, Oklahoma, and thereby indirectly

acquire American Heritage Bank, El Reno, Oklahoma.

Newspaper – N/Available

FedReg – 12/06/1999
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

337452 Pinnacle Bank

Aurora, Nebraska

08/09/1999 11/10/1999 S X

9955 First State Bank & Trust of Larned

Larned, Kansas

08/23/1999 11/12/1999 S X
Section VI – CRA examinations scheduled for 1

st Quarter of 2000

Institution Location

WestStar Bank Bartlesville, Oklahoma

Eaton Bank Eaton, Colorado

RCB Bank Claremore, Oklahoma
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, November 13, 1999

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)(1) Praesidium Capital Corporation, Purchase, NY, to acquire

First National Bank, Uvalde, TX*

(previously reported the week ending November 6, 1999)

Fed Reg – 12/03/1999

Newspaper – 11/20/1999

CIC Guaranty Bancshares, Inc. Employee Stock Ownership Plan,

Mount Pleasant, TX, to acquire an interest in

Guaranty Bancshares, Inc., Mount Pleasant, TX

Fed Reg – 12/03/1999

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

Member Falcon National Bank, Laredo, TX, to become a member of the

Federal Reserve System
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 1st Quarter of 2000

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, November 13, 1999

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) Wells Fargo & Company, San Francisco, California, to acquire

North County Bancorp and its subsidiary, North County Bank,

both of Escondido, California. *

Newspaper - 12/01/1999

Fed Reg - 12/10/1999

3(a)(1) SouthwestUSA Corporation to become a bank holding company

by acquiring Southwest USA Bank, both of Las Vegas,

Nevada.*

Newspaper - N/Avail

Fed Reg - N/Aval

* 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

4(c)(8) Eggemeyer Advisory Corp., WJR Corp., Castle Creek Capital,

LLC, Castle Creek Capital Partners Fund-I, L.P., Castle Creek

Capital Partners Fund-IIa, L.P., and Castle Creek Capital

Partners Fund-IIb, L.P., all of Rancho Santa Fe, California, to

engage in nonbanking activities through the acquisition of

approximately 14.98 percent, on an aggregate basis, of Union

Acceptance Corporation, Indianapolis, Indiana.

Waiver GBC Bancorp, Los Angeles, California, requests a waiver of any

Bank Holding Company Act application requirement in

connection with the proposed acquisition of General Savings

Bank of Washington (In Organization), Bellevue, Washington.

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 1st Quarter of 2000

Institution Location

Bank of Lake County Lakeport, CA

County Bank of Merced Merced, CA

Family Security Bank Harbor, OR

Farmers & Merchants Bank Lodi, CA

Foothill Independent Bank Glendora, CA

Lincoln Security Bank Newport, OR

McKenzie State Bank Springfield, OR

Oregon State Bank Corvalis, OR

Pacific Mercantile Bank Newport Beach, CA

Pacific State Bank Reedsport, OR

Security Bank Coos Bay, OR

Valley Independent Bank El Centro, CA

Westamerica Bank Fairfield, CA

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.