ral R xvi f Atla
Applications Bulletin for Week Ending November 29 996

i - Avai ili Public Evaluatio:

The CRA public evaluations of the insured depository institutions listed below
became available during this week. Information about an institution's CRA
evaluation may be obtained directly from the institution. In connection with the
assessment of an institution's CRA performance, a rating is assigned from the
following groups:

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

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

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

Substantial noncompliance in meeting community credit needs: An institution has

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

. .
Bank CRA Rating Date
Central Bank Satisfactory 08-19-96

Post Office Box 521599
Miami, Florida 33152
(305) 592-6641



FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF NOVEMBER 25, 1996
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER

SECTION | - APL ALA EE_EE————y_——e=orrr———

NOTICE ONLY
APPLICATION NOTICE EXP
None.
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
APPLICATION ** NOTICE EXP

*Section 3(a)(3) application by

Keene Bancorp, Inc. 401(K) ESOP&T, Keene, TX,

to acquire additional shares of Keene Bancorp,

Inc., Keene, TX N/A

Change in Control Notice by

Wilma McKnight, Throckmorton, TX, and Nan McKinney

Daws, Wichita Falls, TX, to acquire an interest

in Throckmorton Bancshares, Inc., Throckmorton, TX N/A

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY

APPLICATION NOTICE EXP
None.

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE

APPLICATION

Notice by First Riesel Corporation, Riesel, TX,
to redeem 5,557 shares of its common stock

* SUBJECT TO CRA.
** EXPIRATION DATE IS THE DATE SPECIFIED IN THE NEWSPAPER NOTICE ONLY.
N/A - NOT AVAILABLE AT THIS TIME.



FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS

The following institutions were examined for CRA. The 30-business day period the bank has to make
the evaluation public has lapsed during the week ending November 29, 1996.

Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a rating
is assigned from the following groups:

Outstanding record of meeting community credit needs.

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

Satisfactory record of meeting community credit needs.

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

Needs to improve record of meeting community credit needs.

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

Substantial noncompliance in meeting community credit needs.

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

Bank/Location Examination Date CRA Rating
Ambassador Bank 07/22/96 Outstanding
of the Commonwealth

4127 Tilghman Street

Allentown, PA 18104



Type
3¢ay1)

3(a)(3)

3(a)(1)

3(a)(1)

Federal Reserve Bank of Chicago

Section IL— Applications Subject o- Bot Nevispaper and Federal

licati

New Asia Bancorp*

Chicago, Illinois
NAB Bank
Chicago, Illinois

Pontiac Bancorp, Inc.*
Pontiac, Illinois
Bank of Dwight
Dwight, Illinois

AmeriMark Financial Corporation.*
Oak Brook, Illinois

Duco Bancshares, Inc.

Villa Park, Illinois

Bank of Illinois in DuPage

Villa Park, Illinois

Barker Brothers, Inc.*

Springfield, Illinois
Middletown Bancorp, Inc.
Middletown, Illinois
Middletown State Bank
Middletown , Illinois
Latham Bancorp, Inc.
Latham, Illinois
State Bank of Latham
Latham, Illinois

Comment Period

Ending Date

FR - 11-29-96
NP - 10-21-96

FR - 11-29-96
NP - 11-25-96

FR - 12-20-96
NP - 12-16-96

FR - 12-13-96
NP - **



H.2

NOVEMBER 25,

PAGE

s

1996 TO NOVEMBER 29, 1996

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANKS, STATE MEMBER

Director, BS&R Bryn Mawr Trust Company, Bryn Mawr, Pennsylvania --

CAPITAL STOCK

CHANGE

i
iz

Kansas City

BANK CONTRO

Atlanta

Atlanta

Kansas City

Atlanta

registration as transfer agent.
Withdrawn, November 26, 1996.

NKC Bancshares, Inc., North Kansas City, Missouri
redemption of shares.
Approved, November 25, 1996.

CB&T Holding Corporation, New Orleans, Louisiana --
change in bank control.
Permitted, November 27, 1996.

First Central Bank, St. Petersburg, Florida -- change
in bank control.
Permitted, November 25, 1996.

Prairie Capital, Inc., Augusta, Kansas -- change in
bank control.
Permitted, November 29, 1996.

Terrabank, N.A., Miami, Florida -- change in bank
control.
Permitted, November 27, 1996.

COMPETITIVE FACTORS REPORTS

Chicago

San Francisco

Bank of Little Chute, Little Chute, Wisconsin,
proposed merger with Little Chute Interim Bank --
report on competitive factors.

Submitted, November 26, 1996.

Bank of Rio Vista, Rio Vista, California., proposed
purchase of the assets and assumption of the
liabilities of the Walnut Grove branch of Wells
Fargo Bank, N.A., San Francisco, California --
report on competitive factors.

Submitted, November 26, 1996.



Federal Reserve Bank of Kansas City

- Ni TT NOT.
APPLICATION COMMENT PERIOD ENDING DATE
American National Bank, Wichita, Kansas, for prior Not Available
approval to become a member of the Federal Reserve
System.
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
APPLICATION COMMENT PERIOD ENDING DATE
Lyle L. and Carolyn J. Fiene, both of Reeds Spring, December 13, 1996

Missouri, for approval to retain a total of 36.84 percent
of the voting shares of Gardner Bancorp, Inc., Gardner,
Kansas.

Berthoud Bancorp ESOP, Berthoud, Colorado, for prior December 17, 1996
approval to acquire at least 50 percent of the voting
shares of Berthoud Bancorp, Inc., Berthoud, Colorado.*

Michael J. Klaassen, Trustee of the Theodore K. December 17, 1996
Klaassen Revocable Living Trust and the Talma B.

Klaassen Revocable Living Trust, all of Wichita, Kansas,

for prior approval to acquire an additional 65. 19 percent,

for a total of 66.58 percent, of the voting shares of

Chisholm Trail Financial Corporation, Wichita, Kansas.

First Team Resources Corporation, Derby, Kansas, for December 27, 1996
prior approval to become a bank holding company

through the acquisition of 97.12 percent of the voting

shares of First National Bank, Derby, Kansas.*

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
APPLICATION. COMMENT PERIOD ENDING DATE

None.



Recently Approved Applications Approval Date

First Central Bank 11-25-96

St. Petersburg, Florida

After-the-fact change in control by Mr. Eldred Ralph Crawford and Mrs. Mary Lou
Crawford, to collectively retain 23.96 percent of the outstanding shares of First
Central Bank, St. Petersburg, Florida.

First Southern Bank 11-22-96
Boca Raton, Florida
To establish a branch located at 7301 West Palmetto Road, Boca Raton, Florida, to

be known as the Palmetto Park Branch.

First Southern Bank 11-22-96>

Boca Raton, Florida

To establish a branch located at 3050 North Federal Highway, Lighthouse Point,
Florida, to be known as the Lighthouse Point Branch.

Prosperity Banking Company 11-25-96
St. Augustine, Florida
Commitment waiver request.

ist Floyd Bank 11-27-96
Rome, Georgia
Notice for 1-BHC formation, lst Floyd Bank, Rome, Georgia.

Forsyth Bancshares, Inc. 11-25-96

Cumming, Georgia

4-BHC formation, The Citizens Bank of Forsyth County, Cumming, Georgia
(in organization).

CB&T Holding Corporation 11-27-96

New Orleans, Louisiana

Change in control notice by Mr. Gary N. Solomon and Mrs. Martha N. Solomon to
collectively acquire an additional 21.63 percent of the outstanding shares of CB&T
Holding Corporation, New Orleans, Louisiana. The acquisition will increase the
total ownership to 43.25 percent.



Type
4()(8)

4(€)(8)

4(c)(8)

4(c)(8)

Federal Reserve Bank of Chicago

ection II - ications Subject | Register
Notice Only cont’d
Application

AmeriMark Financial Corporation
Oak Brook, Illinois

Banill Corporation

Villa Park, Illinois

Heartland Financial USA, Inc.
Dubuque, Iowa
Tri-State Community Credit Corp.
Dubuque, Iowa

Bando McGlocklin Capital Corporation

Pewaukee, Wisconsin
Bando McGlocklin Investment Corporation
Pewaukee, Wisconsin
Bando McGlocklin Small Business Lending Company
Pewaukee, Wisconsin

Associated Banc-Corp

Green Bay, Wisconsin
Associated Banc-Corp Services, Inc.
Green Bay, Wisconsin

Comment Period

Ending Date

FR - 12-20-96

FR - 12-13-96

FR - 12-27-96

FR -**



** — Not available at this time

Federal Reserve Bank of Chicago

- icati ject t r
Notice Only
Type Application
3(a)(1) Notice Iron Horse Bancshares, Inc.

Mazomanie, Wisconsin
Peoples State Bank of Mazomanie, Wisconsin
Mazomanie, Wisconsin

Comment Period

Ending Date

NP - **



Federal Reserve Bank of Kansas City

None.
V - AV. EV.
Identification of Ratings

In connection with the assessment of each insured depository institution's CRA performance, a rating
is assigned from the following groups:

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

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

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

Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping to

meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

CRA Public CRA
Bank/Location Exam Date —Date_ —Rating_
Bank of Holyrood 08/26/96 11/25/96 Satisfactory

P.O. Box 128
Holyrood, Kansas 67450-0128

* Application is subject to CRA.



Federal Reserve Bank of Richmond

Section V_- Availability of CRA Public Evaluations

Week ending November 29, 1996

Definiti £ Rati

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

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

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

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

Examination

—___Date__ Rating
First Virginia Bank - Franklin County
228 Franklin Street
Rocky Mount, Virginia 24151-1329 7-8-96 Satisfactory
Virginia Heartland Bank
4700 Harrison Road
Fredericksburg, Virginia 22408-1815 8-26-96 Outstanding
First Community Bank of Saltville
109 East Main Street
Saltville, Virginia 24370 8-26-96 Outstanding

The First Bank of Stuart
Blue Ridge and Main Streets
Stuart, Virginia 24171 8-26-96 Satisfactory



FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

ECT = PLICAT. T
NEWSPAPER NOTICE ONLY
NONE
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
NONE
SECTION III - APPLICATIONS SUBJECT TO
EEDERAL REGISTER NOTICE ONLY
li . a . .
NONE
SECTION IV - APPLICATIONS NOT SUBJECT TO
FEDERAL REGISTER OR NEWSPAPER NOTICE
li .
NONE
= Y WV: TI
NONE
*Subject to CRA.
**Rating Definitions: "O" - Outstanding; "S" - Satisfactory; "N" - Needs to

Improve;

- Substantial Noncompliance.



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluati
week ending November 29, 1996

IT IN

Identification of Rati

In connection with the assessment of each insured depository institution's CRA performance, a rating is
assigned from the following groups:

OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.

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

SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.

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

NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.

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

SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.

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

BANK(S) EXAMINED | DATE OF EXAMINATION CRA RATING
Farmers State Bank April 15, 1996 Satisfactory
P.O. Box 187

Faith, SD 57626-0187

(605) 967-2191

Fulton State Bank August 12, 1996 Outstanding
P.O. Box 77

Fulton, SD 57340
(605) 996-5731



Federal Reserve Bank of St. Louis

FOR THE WEEK ENDING NOVEMBER 239, 1996

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE

Application End of Comment Period

None.

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

Application End of Comment Period

* Section 3(a)(1) application by New London

Bancshares, Inc., New London, Missouri, to

acquire Behrens Bancshares, Inc., New London,

Missouri. Newspaper: 12-23-96

* Section 3(a)(3) application by Union Planters

Corporation, Memphis, Tennessee, to acquire

19.8% of First National Bank, Pontotoc,

Mississippi. Newspaper: 12-27-96

SECTION Iii - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE

Application End of Comment Period

Section 4(c)(8) notification (expedited) by

National Commerce Bancorporation, Memphis,

Tennessee, to acquire J & S Leasing, Inc.,

Knoxville, Tennessee. N/A

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE

Application End of Comment Period

Section 9 membership application by MidSouth
Bank, Monette, Arkansas. N/A

* This application/notification is subject to CRA.



H.2

NOVEMBER 25, 1996 TO NOVEMBER 29, 1996

PAGE 7

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS

Chicago

Chicago

Dallas

Dallas

Cleveland

Minneapolis

San Francisco

Dallas

Mt. Zion State Bank & Trust, Mt. Zion, Illinois,
proposed merger with First Springfield Bank and
Trust, Springfield, Illinois -- report on
competitive factors.

Submitted, November 26, 1996.

NAB Bank, Chicago, Illinois, proposed merger with NAB
Interim Bank -- report on competitive factors.
Submitted, November 25, 1996.

New Gateway Bank, Dallas, Texas, proposed merger with
Gateway National Bank -- report on competitive
factors.

Submitted, November 29, 1996.

New Inwood Bank, N.A., Dallas, Texas, proposed merger
with Inwood National Bank, Dallas, Texas -- report
on competitive factors.

Submitted, November 29, 1996.

Pennwood Savings Bank, Pittsburgh, Pennsylvania,
proposed merger with Pennwood Interim Savings
Bank -- report on competitive factors.

Submitted, November 27, 1996.

Pioneer National Bank of Duluth, Duluth, Minnesota,
proposed merger with Pioneer Interim National
Bank -- report on competitive factors.

Submitted, November 29, 1996.

Prairie Security Bank, Yelm, Washington, proposed
merger with First Community Bank, Lacey, Washington
-- report on competitive factors.

Submitted, November 26, 1996.

Prime Bank, Channelview, Texas, proposed acquisition
of the assets and assumption of the liabilities of
the branches of Bank of America Texas, N.A.,
Irving, at 595 Interstate Highway 10, Beaumont;
4100 Gulfway Drive, Port Arthur; and 2905 Nall
Interstate Highway 365, Port Neches, Texas --
report on competitive factors.

Submitted, November 29, 1996.



H.2

NOVEMBER 25, 1996 TO NOVEMBER 29, 1996

PAGE 6

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS

Chicago

Philadelphia

New York

Chicago

San Francisco

Chicago

Bank One, Illinois, National Association,
Springfield, Illinois, proposed merger with Bank
One, Bloomington-Normal, Bloomington; Bank One
Champaign-Urbana, Champaign; Bank One, Chicago,
National Association, Evanston; Bank One, Peoria,
Peoria; and Bank One, Rockford, National
Association, Rockford, Illinois -- report on
competitive factors.

Submitted, November 26, 1996.

Collective Bank, Egg Harbor, New Jersey, proposed
merger with Collective Bank of New Jersey, Laurel
Springs, New Jersey -- report on competitive
factors.

Submitted, November 27, 1996.

Dean Witter Trust FSB, Jersey City, New Jersey,
proposed merger and corporate reorganization with
Dean Witter Trust Company -- report on competitive
factors.

Submitted, November 27, 1996.

First National Bank, Cedar Rapids, Iowa, Cedar
Rapids, Iowa, proposed merger with First National
Bank, Iowa City, Iowa -- report on competitive
factors.

Submitted, November 25, 1996.

First Pacific National Bank, Escondido, California,
proposed acquisition of the assets and assumption
of the liabilities of two branches of Wells Fargo
Bank, N.A., San Francisco, California -- report on
competitive factors.

Submitted, November 27, 1996.

LaSalle National Bank, Chicago, Illinois, proposed
merger with LaSalle National Trust, National
Association -- report on competitive factors.

Submitted, November 26, 1996.



al Ri ve of Atlanta

ns ti nding November 2
Section 1 = Applications Subject to Newspaper Notice Only
Fifth Third Bank of Florida 12-15-96*

Naples, Florida
To establish a branch located at 9000 Bonita Beach Road, Bonita Springs, Florida,
to be known as the Bonita Banking Center.

e Notic
Application iod Dat
Th Bancshares, Inc. 12-23-96*
Jennings, Louisiana Federal Register

1-BHC formation, Th Bank, Jennings, Louisiana.

Whitney Holding Corporation Not yet available*

New Orleans, Louisiana
To merge with First National Bankshares, Inc., Houma, Louisiana, and thereby
directly acquire First National Bank of Houma, Houma, Louisiana, pursuant to
Section 3(a) (5) of the Bank Holding Company Act.

- Applicatio ij to
Application Comment Period Ending Date
None.

Section 4 - Applications Not Subject to

era. iste i wspaper Noti.
Application

Lamar Capital Corporation

Purvis, Mississippi
To engage de novo in making, acquiring, or servicing loans or other extensions of
credit, pursuant to Section 225.25(b) (1) of Regulation Y and Section 4(c) (8) of
the Bank Holding Company Act, through its newly formed subsidiary, The Mortgage
Shop, Incorporated, Purvis, Mississippi.

Deposit Guaranty Corp.

Jackson, Mississippi
To expand the geographic scope of Deposit Guaranty Louisiana Corp., Shreveport,
Louisiana, from Louisiana, to nationwide, and thereby expand data processing
activities, pursuant to Section 225.25(b)(7) of Regulation Y and Section 4(c) (8)
of the Bank Holding Company Act.

*Subject to provisions of the Community Reinvestment Act.



H.2 ADDITIONS AND CORRECTIONS
NOVEMBER 25, 1996 TO NOVEMBER 29, 1996
PAGE 9

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK BRANCHES, DOMESTIC

Atlanta First Southern Bank, Boca Raton, Florida -- to
establish a branch at 7301 West Palmetto Road.
Approved, November 22, 1996.

COMPETITIVE FACTORS REPORTS

Atlanta Regions Bank, Gainesville, Georgia, proposed merger
with Regions, FSB, Dalton, Georgia -~ report on
competitive factors.

Submitted, November 8, 1996.



Type

3(a)(3)

CoC-HC

3(ay(1)

CoC-HC

3(a)(1)

(a1)

Federal Reserve Bank of Chicago

Secti - icatio i Both New:
Register Notice Cont’d
Application

Wintrust Financial Corporation*
Wilmette, Illinois

Barrington Bank & Trust Company, National Association

Barrington, Illinois (in organization)

MWA Bancorporation
Estherville, lowa
By Greg J. Currell

Pineries Bankshares, Inc.*
Stevens Point, Wisconsin
Mattoon State Bank
Mattoon, Wisconsin

Community Central Bank Corporation
Mount Clemens, Michigan
By Willard G. Pierce

Bando McGlocklin Capital Corporation*
Pewaukee, Wisconsin

InvestorsBank

Pewaukee, Wisconsin (in organization)

CH and JD Byrum, LLC*

Indianapolis, Indiana
American State Corporation
Lawrenceburg, Indiana
American State Bank
Lawrenceburg, Indiana

Comment Period

Ending Date

FR - 11-29-96
NP - 11-25-96

FR - 12-03-96
NP - **

FR - 12-19-96
NP - 12-15-96

FR - 12-12-96
NP - 12-12-96

FR - 12-27-96
NP - **

FR - 12-27-96
NP - 12-2-96


ANNOUNCEMENT H.2, 1996, No. 48
Actions of the Board, its Staff, and

BOARD OF GOVERNORS the Federal Reserve Banks i
OF THE Applications and Reports Received
FEDERAL: RESERVE SYSTEM During the Week Ending November 30, 1996

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANK HOLDING COMPANIES

First Union Corporation, Charlotte, North Carolina --
request for reconsideration of the Board's approval
of the proposal to acquire Home Financial
Corporation, Hollywood, Florida, and Home Savings
Bank, FSB.

Denied, November 26, 1996.

BANKS, FOREIGN

Hongkong Bank of Canada, Vancouver, British
Columbia, Canada ~-- to establish state-licensed
branches in Portland, Oregon, and Seattle,
Washington, and acquire a portion of the assets and
liabilities of the existing Portland and Seattle
branches of Hongkong Shanghai Banking Corporation,
Limited, Hong Kong.

Approved, November 27, 1996.

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

ABBREVIATIONS: BS&R - Banking Supervision and Regulation; C&CA - Consumer and
Community Affairs; FOMC - Federal Open Market Committee; FRBO - Federal Reserve
Bank Operations; IF - International Finance; OSDM - Office of Staff Director
for Management

BANK BRANCHES, DOMESTIC

St. Louis Citizens Bank, Batesville, Arkansas -- to establish a
branch on Blackland Road, Pleasant Plains,
Arkansas.

Approved, November 27, 1996.

Richmond Crestar Bank, Vienna, Virginia -- to establish a
branch in the Kroger Supermarket at 1790 East
Market Street, Harrisonburg, Virginia.
Approved, November 29, 1996.

San Francisco Silicon Valley Bank, Santa Clara, California -- to
establish a branch at 5414 Oberline Drive, San
Diego, California.
Permitted, November 26, 1996.



delineated community, including low- and moderate income a
neighborhoods, in a manner consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs.

An institution in this group has a substantially deficient

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

Week Ending November 30, 1996

NAME OF BANK

The Merchant's Bank
of New York
275 Madison Avenue
New York, New York 10016

Gotham Bank of New York
1412 Broadway
New York, New York 10018

Peapack-Gladstone Bank
158 Route 206 North
Gladstone, New Jersey 07934

1/ Subject to provisions of Community Reinvestment Act.
2/ Later of dates specified in newspaper and Federal Register notices.
3/ Date specified in newspaper notice; a later date may be specified in

the Federal Register notice.

4/ Date specified in Federal Register notice; a later date may be

specified in the newspaper notice.
N/A - Not Available

Satisfactory

Satisfactory

Satisfactory

EXAMINATION DATE
June 4, 1996

July 29, 1996

July 8, 1996 -



FEDERAL RESERVE BANK OF NEW YORK

Comment Period
Ending Date

SECTION I
Applications Subject to Newspaper
___Notice Only
Royal Bank of Canada, Montreal, Canada, to establish a representative
office in Houston, Texas. 12/27/96
T) i

Applications Subject to Both
N aper Federal Register Notice

None.

. SECTION Il

Nonbanking Applications
(subject to Federal Register Notice Only )

None.
SECTION IV

Applications Not Involving
Public Comment

None.
SECTION V
Availability of CRA Public Evaluations

In connection with the assessment of each insured depository institution's
CRA performance, a rating is assigned from the following group:

Outstanding record of meeting community credit needs.

An institution in this group has an outstanding record of, and

is a leader in, ascertaining and helping to meet the credit

needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.

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

Needs to improve record of meeting community credit needs.

An institution in this group needs to improve its overall record
of ascertaining and helping to meet the credit needs of its entire



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section I - Applications Subject to

Newspaper Notice Only
Comment Period
Application —Ending Date _
NONE.
FEDERAL RESERVE BANK OF MINNEAPOLIS
Section II - Applications Subject to Both
Comment Period
icati Ending
International Bancorporation, Golden Valley, Minnesota, December 27, 1996
for prior approval to acquire 100% of the voting shares (Federal Register)

of the Carlton County Bancorporation, Inc., Cloquet,
Minnesota. *

* Subject to CRA

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section III - Applications Subject

to Federal Register Notice Only
Comment Period
Application Ending Date
NONE.
FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to

Federal Register Noti New Noti

Application

NONE.



FEDERAL RESERVE BANK OF ST. LOUIS

FOR THE WEEK ENDING NOVEMBER 29, 1996
SECTION V - AVAILABILITY OF CRA PUBLIC DISCLOSURES
Identification of Ratings:

Outstanding record of meeting community credit needs
An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping

to meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs

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

Needs to improve record of meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping to meet

the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping to meet

the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

amination ‘amination.
{| ___Date__|_Rating __|



H.2

NOVEMBER 25, 1996 TO NOVEMBER 29, 1996

PAGE 8

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS

San Francisco

Cleveland

Chicago

Dallas

San Francisco

Riverside National Bank, Riverside, California,
proposed merger with City National Bank, Beverly
Hills; California -- report on competitive factors.

Submitted, November 26, 1996.

Russell Federal Savings Bank, Russell, Kentucky,
proposed merger with Peoples Acquisition Company --
report on competitive factors.

Submitted, November 27, 1996.

South Central Bank & Trust Company of Chicago,
Chicago, Illinois, proposed merger with South
Central Bank & Trust Company Interim Bank -- report
on competitive factors.

Submitted, November 26, 1996.

Talco State Bank, Talco, Texas, proposed merger with
Guaranty Bank, Mt. Pleasant, Texas -- report on
competitive factors.

Submitted, November 29, 1996.

Tri-Counties Bank, Chico, California, proposed
acquisition of the assets and assumption of the
liabilities of nine branches of Wells Fargo Bank,
N.A., San Francisco, California -- report on
competitive factors.

Submitted, November 26, 1996.



Branch

Branch

Branch

Branch

Branch

Branch

Branch

NP - Newspaper
FR - Federal Register

Federal Reserve Bank of Chicago

ion I -

Notice Only
oe

Lake Forest Bank & Trust Company
Lake Forest, Illinois

911 South Telegraph Road

Lake Forest, Illinois

First American Bank
Carpentersville, Illinois
80 Stratford, Square

Bloomingdale, Illinois

First American Bank
Carpentersville, Illinois
33 South Rand Road

Lake Zurich, Illinois

First American Bank of Kankakee
Kankakee, Illinois

6200 West 95th Street

Oak Lawn, Illinois

First American Bank

Joliet, Illinois
U.S. Route 30 and Mall Loop Drive
Joliet, Illinois

Isabella Bank and Trust

Mt. Pleasant, Michigan
1125 N. McEwan Street
Clare, Michigan

Union Bank & Trust Company
Evansville, Wisconsin

121 Fifth Avenue

Belleville, Wisconsin

* - Subject to Provisions of Community Reinvestment Act

2

Comment Period

Ending Date

NP - 12-5-96

NP - 12-4-96

NP - 12-4-96

NP - 11-29-96

NP - 12-4-96

NP - 12-19-96

NP - 12-21-96


FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 11/29/96

1l- licatis bject to Newspaper it nl
Application m, Peri ndingD:
Farmers and Merchants Bank of Rockford, Opportunity, Newspaper: 12/15/96

Washington, to establish a branch office at the Tidyman’s
Grocery Store located at 2024 North Argonne, Spokane,
Washington.

Farmers and Merchants Bank of Rockford, Opportunity, le er: 12/15/96
Washington, to establish a branch office at the Tidyman’s

Grocery Store located at 6405 North Addison, Spokane,

Washington.

Farmers and Merchants Bank of Rockford, Opportunity, Newspaper: 12/15/96
Washington, to establish a branch office at the Tidyman’s

Grocery Store to be located at the corner of Pullman Highway

and Spokane Road, Spokane, Washington.

Farmers and Merchants Bank of Rockford, Opportunity, Newspaper: 12/02/96
Washington, to establish a branch office at 10606 North
Highway, Spokane, Washington.

ion II_- Applicati je Bo!
Newspaper and Federal Register Notice
Great Basin Financial Corporation, Elko, Nevada, to become a wspaper: 12/20/96
bank holding company by acquiring Great Basin Bank of Nevada,
Elko, Nevada. * Fed. Reg.: 12/19/96
Basswood Financial Partners, L.P. , 1994 Garden State Trust, both Newspaper: Not Available
at Paramus, N.J., and Basswood International Fund, Hamilton,
Bermuda, to acquire up to 24.9 percent of SC Bancorp, Anaheim, Fed. Reg.: Not Available
California. *
tion IN -Applications Subject to Federal Register Onl
None
ion TV - licati ibject to ral Register Noticeor Ni aper Notice (Cont’
None

* Subject to CRA.



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 11/29/96
V - Availabili ic Ev:

The CRA public evaluations of the institution(s) below became available during this week. Information
about a particular institution’s CRA evaluation may be obtained directly from the institution.

Instituti tio’ Examinati Rating*
Santa Barbara Bank 1021 Anacapa Street 07/15/96 Satisfactory
and Trust P.O. Box 1119

Santa Barbara

California 93102-1119

(805) 564-6300

*Under the rating system an institution’s CRA performance is assigned one of the following four
ratings:

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

Satisfactory record of meeting community credit needs: An institution has a satisfactory record of
ascertaining and meeting the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.

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

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

The above listing has been prepared as a courtesy by the Federal Reserve Bank of San Francisco, and
is not intended to replace formal notices required by statute or regulation; the Reserve Bank assumes
no responsibility for errors or omissions.



ROS

Federal Reserve Bank of Chicago

Section IV - Applications Not Subject to Federal Register or Newspaper Notice
Application
Bankers Trust Company

Des Moines, Iowa
to redeem $2 million in noncumulative preferred stock



H.2

NOVEMBER 25, 1996 TO NOVEMBER 29, 1996

PAGE 4

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK HOLDING COMPANIES

Dallas

St. Louis

San Francisco

Cleveland

Cleveland

Atlanta

Chicago

Chicago

San Francisco

Maincorp Intermediate Holding Company, Wilmington,
Delaware -- to acquire ROSB Bancorp, Inc., Red Oak,
Texas, and Mainbank.

Approved, November 26, 1996.

Mark Twain Bancshares, Inc., St. Louis, Missouri --
to acquire First City Bancshares, Inc.,
Springfield, Missouri, Springfield, Missouri, and
First City National Bank.

Approved, November 26, 1996.

NBB Bancorp, Bremerton, Washington, and Northwestern
Bank, N.A. -- to merge with Kitsap Bank, Port
Orchard, Washington.

Permitted, November 25, 1996.

Pennwood Bancorp, Inc., Pittsburgh, Pennsylvania --
to acquire Pennwood Savings Bank.
Approved, November 27, 1996.

Peoples Bancorp, Inc., Marietta, Ohio -- to acquire
Russell Federal Savings Bank, Russell, Kentucky.
Permitted, November 27, 1996.

Prosperity Banking Company, St,. Augustine, Florida -
- request for waiver of commitment.
Granted, November 25, 1996.

Salin Bancshares, Inc., Indianapolis, Indiana -~- to
retain certain shares of Columbus Bancorp, Inc.,
and acquire Columbus Bank and Trust Company,
Columbus, Indiana.

Approved, November 27, 1996.

Sun Community Bancorp, Ltd., Tucson, Arizona -- to
acquire Bank of Tucson, Tucson, Arizona.
Returned, November 26, 1996.

U.S. Bancorp, Portland, Oregon -- to acquire Sun
Capital Bancorp, St. George, Utah, and Sun Capital
Bank.

Approved, November 25, 1996.



APPLICATIONS BULLETIN Page 1 of 1
(For the week ending November 30, 1996)

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
Received Section 3(a)(1) notice from American National Bancorp, *November 11, 1996

Parma, Ohio, on November 25, 1996, to acquire
The American National Bank, Parma, Ohio.

SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL
REGISTER NOTICE
NONE
SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
NONE

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE

NONE

* ~ Subject to CRA

N - Newspaper Comment Period

F - Federal Register Comment Period

# - Expected to End 30 Days from Date of Receipt



Federal Reserve Bank of Richmond

F & M Bank - Richmond, Richmond,

Virginia, to establish a branch at

6980 Forest Hill Avenue, Richmond,

virginia.* 12-25-96

Bank of the Eastern Shore, Cambridge,
Maryland, for membership in the Federal
Reserve System. 12-31-96

Section II - Licati
, i Federal : fot i

1a . C Period Ending D

Southern National Corporation, Winston-

Salem, North Carolina; and BB&T Financial

Corporation of Virginia, Winston-Salem,

North Carolina, to acquire Fidelity Financial

Bankshares of Virginia, Virginia Beach,

Virginia.* 12-4-96**

C Period Ending D
None.
Section IV - Application Not Subject to
i . . fot i
vi .

City Holding Company, Charleston, West
Virginia, to expand its existing mortgage
loan servicing business by acquiring the
assets of Prime Financial Corporation,
Costa Mesa, California.

First National Bancorp, Inc., St. Marys,
West Virginia, to redeem 16.8% of its
common stock.

*Application is subject to CRA requirements.
**Expiration of comment period specified in the Federal Register.



H.2

NOVEMBER 25, 1996 TO NOVEMBER 29, 1996

PAGE 3

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK HOLDING COMPANIES

Dallas

Atlanta

St. Louis

Atlanta

St. Louis

Kansas City

Dallas

Dallas

Dallas

First State Bank, N.A., Abilene, Texas -- request for
waiver of application to become a bank holding
company by acquiring Crown Park Bancshares, Inc.,
Lubbock, Texas, and Western National Bank.

Granted, November 29, 1996.

Floyd Bankshares, Inc., Rome, Georgia -- to acquire
1st Floyd Bank, Rome, Georgia.
Permitted, November 27, 1996.

Forrest City Financial Corporation, Forrest City,
Arkansas -- to convert Forrest City Bank, FSB to a
nationally chartered commercial bank (Forrest City
Bank, N.A.).

Approved, November 27, 1996.

Forsyth Bancshares, Inc., Cumming, Georgia -- to
acquire The Citizens Bank of Forsyth County.
Approved, November 25, 1996.

Fredonia Valley Bancorp, Inc., Fredonia, Kentucky --
to acquire Fredonia Valley Bank.
Permitted, November 27, 1996.

Haviland Bancshares, Inc., Haviland, Kansas -- to
acquire shares of Fredonia State Bancshares, Inc.
Approved, November 29, 1996.

Independent Bankshares, Inc., Abilene, Texas --
request for waiver of application to acquire Crown
Park Bancshares, Inc., Lubbock, Texas, and Western
National Bank.

Granted, November 29, 1996.

Independent Financial Corporation, Dover, Delaware --
request for waiver of application to acquire Crown
Park Bancshares, Inc., Lubbock, Texas, and Western
National Bank.

Granted, November 29, 1996.

Maincorp Intermediate Holding Company, Inc.,
Wilmington, Delaware -- to acquire Ross Bancorp,
Inc., Red Oak, Texas, and Mainbank.

Approved, November 26, 1996.



SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
FOR THE WEEK OF NOVEMBER 25, 1996

Outstanding record of meeting community credit needs.

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

Satisfactory record of meeting community credit needs.

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

Needs to Improve record of meeting community credit needs.

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

Substantial Noncompliance in meeting community credit needs.

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

Date of
Bank Examination CRA Rating
Security State Bank
115 W. 3rd St.
P. 0. Box 2037

Pecos, Texas 79772 96/08/26 Satisfactory


Type

3(a)(3)

3(a)(3)

3¢a)(1)

3(a)(3)

3(a)C1)

3(a)(1)

3(a)(5)

Federal Reserve Bank of Chicago

tion II - ications ject to B Ws Fe
ister Noti nt’d

Application

Old Kent Financial Corporation*

Grand Rapids, Michigan

Old Kent Bank, National Association (in organization)
Jonesville, Michigan

Beaman Bancshares, Inc.*
Beaman, Iowa
Producers Savings Bank
Green Mountain, Iowa

Two Rivers Bank Holding Company*
Rock Valley, lowa

Rock Valley State Bank

Rock Valley, Iowa (in organization)

Panhandle Aviation, Inc.*
Carinda, lowa

National Bank of Jowa
Danison, Iowa

Mound City Financial Services, Inc.*
Platteville, Wisconsin

Mound City Bank

Platteville, Wisconsin

Independent Bancorp., Limited*
Little Chute, Wisconsin

Bank of Little Chute

Little Chute, Wisconsin

Associated Banc-Corp.*
Green Bay, Wisconsin
Centra Financial, Inc.
West Allis, Wisconsin
Central Bank

West Allis, Wisconsin

Comment Period

Ending Date

FR - 12-20-96
NP ~ #*

FR - 12-23-96
NP ee

FR - 11-29-96
NP - 11-29-96

ER - 12-03-96
NP -**

FR - 12-06-96
NP -*#

FR - 12-09-96
NP - 12-05-96

FR - 12-20-96
NP _ RF


H.2

NOVEMBER 25, 1996 TO NOVEMBER 29, 1996

PAGE 2

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK HOLDING COMPANIES

Chicago

San Francisco

Chicago

Minneapolis

Cleveland

Chicago

Dallas

Minneapolis

Minneapolis

Associated Banc-Corp., Green Bay, Wisconsin --
notification of intent to engage in providing data
processing services to third parties through
Associated Banc-Corp Services, Inc.

Returned, November 27, 1996.

Bank of Tokyo-Mitsubishi, Ltd., Tokyo, Japan -- to
establish Tokyo-Mitsubishi Derivative Products
(USA), Inc., New York, New York.

Withdrawn, November 27, 1996.

Capitol Bancorp, Ltd., Lansing, Michigan -- to
acquire Brighton Commerce Bank, Brighton, Michigan.
Approved, November 27, 1996.

Cattail Bancshares, Inc., Atwater, Minnesota -- to
engage de novo in lending activities.
Permitted, November 26, 1996.

Citizens Bancorp, Inc., Newport, Kentucky -- to
acquire Citizens Bank of Campbell County -- report
on competitive factors.

Permitted, November 29, 1996.

Columbus Bancorp, Inc., Indianapolis, Indiana -- to
retain shares of Salin Bank and Trust Company.
Approved, November 27, 1996.

Commercial National Corporation, Brady, Texas --
request for waiver of application to acquire
Commercial National Bank.

Granted, November 27, 1996.

Deerwood Bancshares, Inc., Deerwood, Minnesota -- to
acquire Deerwood Bancorporation, Inc.
Approved, November 27, 1996.

Deerwood Bancshares, Inc., Deerwood, Minnesota -- to
engage in general insurance activities through the
acquisition of Deerwood Bancorporation, Inc.

Approved, November 27, 1996.



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending November 29, 1996
(continued)

BANK(S)EXAMINED = = =  DATEOFEXAMINATION CRA RATING

First Security Bank of Laurel August 19, 1996
P.O. Box 277

Laurel, MT 59044-0277

(406) 628-4318

Satisfactory



Federal Reserve Bank of Chicago

‘ion V - Availabili

The following state member banks have been examined by the Federal Reserve Bank of Chicago for

compliance with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed

during the week ending November 29, 1996. If you are interested in obtaining a copy of the evaluation
document, please contact the bank(s) directly.

Identification of Rati

O-

NI -

SN -

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

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

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

An institution in this group has a substantial noncompliance record of ascertaining

and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilies.

BANK NAME/LOCATION = EXAMINATION DATE —_ RATINGS

Central Bank

160 West Main Street

Russiaville, Indiana 46979-0127

(317) 453-9100 8/12/96 NI

First American Bank

635 1st Street

Webster City, lowa 50595-0370

(515) 955-0662 8/12/96 Ss



FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED AND TO NEWSPAPER
NOTICE ONLY

Founder Bank, Bryn Mawr, PA to establish a branch office at 300 West State Street, Media,
PA, pursuant to Section 9 of the FRA.

Newspaper comment period expires: 12/07/96

SECTION Ul - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEWSPAPER
AND FEDERAL REGISTER NOTICE

Susquehanna Bancshares, Inc., Lititz, PA to acquire Atcorp, Inc., Marlton, NJ and its wholly-
owned subsidiary, Equity National Bank, Atco, NJ, Farmers Banc Corp, Mullica Hill, NJ
and Farmers National Bank, Mullica Hill, NJ, pursuant to Section 3(a)(3) of the Bank Holding
Company Act.

Newspaper comment period expires: N/Avail
Federal Register comment period expires: 12/23/96

Commerce Bancorp, Inc., Cherry Hill, NJ to acquire 100 percent of Independence Bancorp,
Inc., Ramsey, NJ, pursuant to Section 3(a)(3) of the Bank Holding Company Act.

Newspaper comment period expires: N/Avail
Federal Register comment period expires: N/Avail

SECTION II - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL.

SECTION HI ARLE eee———————eE——ewwe*

REGISTER NOTICE ONLY
NONE

SECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL
REGISTER NOTICE OR NEWSPAPER

NONE



AVAILABILITY OF CRA PUBLIC EVALUATIONS
(November 29, 1996)

The following state member banks have been examined by the Federal Reserve Bank of
Cleveland for compliance with The Community Reinvestment Act. A public evaluation document
became available from the bank(s) listed below during the week ended November 29, 1996. If
you are interested in obtaining a copy of an evaluation document, please contact the bank(s)
directly.

There are four descriptive ratings for CRA:

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

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

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

SUBSTANTIAL NON COMPLIANCE: a bank in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a maner consistent with its resources and
capabilities.

Fayette Bank and Trust Company
58 West Main Street

Uniontown, PA 15401

Rating: Outstanding

Exam Date: 7-29-96

Disclosure Date: 11-25-96

The Andover Bank

19 Public Square
Andover, OH 44003
Rating: Outstanding
Exam Date: 4-8-96
Disclosure Date: 11-27-96