Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 41

Week Ending October 7, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions October 1, 2000 to October 7, 2000

Extensions Of Time

Citigroup Inc., New York, New York -- extension to October 8, 2001, to divest or 

conform certain impermissible nonbanking activities under the Bank Holding 

Company Act.

- Granted, October 5, 2000 

Regulations And Policies

Rules of Practice for Hearings -- amendment to increase the Board's civil money 

penalties to account for inflation.

- Approved, October 2, 2000 

Enforcement

Independent Southern Bancshares, Inc. Employee Stock Ownership Trust, 

Brownsville, Tennessee, and Independent Southern Bancshares, Inc. -- written 

agreement dated September 6, 2000, with the Federal Reserve Bank of St. Louis.

- Announced, October 2, 2000 

Lone Star National Bank, Pharr, Texas -- order of prohibition against Carolyn D. 

Nelson, a former assistant vice president.

- Announced, October 6, 2000 

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

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Albemarle First Bank, Charlottesville, Virginia -- to operate a mobile branch by 

providing a courier service to pick up noncash deposits from business customers in 

Charlottesville and the counties of Albemarle, Fluvanna, Greene, and Nelson.

- Approved, October 4, 2000 

Richmond

Bank of the Commonwealth, Norfolk, Virginia -- to establish a branch at 4940 West 

Norfolk Road, Portsmouth.

- Approved, October 5, 2000 

Richmond

Bankwest of Kansas, Goodland, Kansas -- to establish a branch at 9073 Country 

Road CC8, Idalia, Colorado.

- Approved, October 3, 2000 

Kansas City

The Chase Manhattan Bank, New York, New York -- to establish branches at 6900 

Brodie Lane, 2400 South Congress Avenue, and 6001 West Parmer Lane, all in 

Austin, Texas; and 695 Route 46 West, Fairfield, New Jersey.

- Approved, October 5, 2000 

New York

The Chase Manhattan Bank, New York, New York -- to establish a branch at 21-25 

East Sunrise Highway, Freeport.

- Approved, October 6, 2000 

New York

First Nation Bank, Covington, Georgia -- to establish a branch at Salem Road 

Station, 13015 Brown Bridge Road.

- Approved, October 4, 2000 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority October 1, 2000 to October 7, 2000

Bank Branches, Domestic

The Heritage Bank, McLean, Virginia -- to establish a branch at 1737 King Street, 

Alexandria.

- Approved, October 6, 2000 

Richmond

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 11011 U.S. 

Highway 1, North Palm Beach, Florida.

- Approved, October 3, 2000 

Atlanta

Bank Holding Companies

Alpena Banking Corporation, Alpena, Michigan -- to become a bank holding 

company through the acquisition of The Bank of Alpena, a de novo bank.

- Approved, October 5, 2000 

Chicago

Bank One Corporation, Chicago, Illinois -- to engage in activities such as controlling 

private investment funds, derivative transactions, investment advice, administrative 

services, commodity trading advice to private investment funds, and acting as a 

commodity pool operator.

- Approved, October 6, 2000 

Chicago

Basile Bancshares, Inc., Basile, Louisiana -- to become a bank holding company 

through the acquisition of Basile State Bank.

- Approved, October 6, 2000 

Atlanta

Custer Bancorp, Westcliffe, Colorado -- to acquire Orchard Valley Financial Corp., 

Englewood, and thereby acquire First State Bank of Hotchkiss, Hotchkiss.

- Approved, October 6, 2000 

Kansas City

Dinsdale Brothers, Inc., Palmer, Nebraska -- to acquire shares of Pinnacle BankWyoming, Torrington, Wyoming.

- Approved, October 5, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority October 1, 2000 to October 7, 2000

Bank Holding Companies

Marquette County Financial Corporation, Negaunee, Michigan -- to acquire Tanis, 

Inc., Calumet.

- Approved, October 2, 2000 

Minneapolis

Quality Bankshares, Inc., Fingal, North Dakota -- to become a bank holding 

company through the acquisition of Fingal State Bank.

- Approved, October 4, 2000 

Minneapolis

Queens County Bancorp, Inc., Flushing, New York -- commenter's request to extend 

the comment period on the proposed acquisition of Haven Bancorp, Westbury.

- Denied, October 2, 2000 

Secretary

Tehama Bancorp, Red Bluff, California, and Humboldt Bancorp, Eureka -- to 

acquire shares of Central Pacific Mortgage Company, Folsom.

- Withdrawn, October 5, 2000 

San Francisco

Bank Mergers

Iron and Glass Bank, Pittsburgh, Pennsylvania -- to acquire certain assets and assume 

the liabilities of the Pleasant Hills branch of Laurel Bank, Johnstown.

- Approved, October 5, 2000 

Cleveland

Peninsula Trust Bank, Gloucester, Virginia -- to merge with United Community 

Bank, Franklin.

- Approved, October 4, 2000 

Richmond

Capital Stock

Bank of Colorado, Fort Lupton, Colorado -- to reduce capital stock.

- Approved, October 3, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority October 1, 2000 to October 7, 2000

Capital Stock

Belle Plaine Service Corp., Belle Plaine, Iowa -- redemption of stock.

- Approved, October 6, 2000 

Chicago

Change In Bank Control

Ohio Heritage Bancorp, Coshocton, Ohio -- change in bank control.

- Permitted, October 6, 2000 

Cleveland

Port City Holding Company, Inc., Bainbridge, Georgia, and First Port City Bank -- 

change in bank control.

- Permitted, October 6, 2000 

Atlanta

Competitive Factors Reports

Alaska Pacific Bank, Juneau, Alaska -- report on competitive factors of the proposed 

purchase of the Hoonah and Yakutat branches of KeyBank, N.A., Cleveland, Ohio.

- Submitted, October 3, 2000 

San Francisco

Bank of the Pacific, Long Beach, Washington -- report on competitive factors of the 

proposed merger with The Bank of Grays Harbor, Aberdeen.

- Submitted, October 5, 2000 

San Francisco

Cathay Bank, Los Angeles, California -- report on competitive factors of the 

proposed merger with Kermit State Bank, Houston, Texas.

- Submitted, October 5, 2000 

San Francisco

City Bank, Lubbock, Texas -- report on competitive factors of the proposed merger 

with First State Bank, Silverton.

- Submitted, October 4, 2000 

Dallas

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority October 1, 2000 to October 7, 2000

Competitive Factors Reports

Community Bank & Trust-Habersham, Cornelia, Georgia -- report on competitive 

factors of the proposed merger with Community Bank & Trust-Jackson, Commerce.

- Submitted, October 4, 2000 

Atlanta

Cumberland Interim Bank, Brentwood, Tennessee -- report on competitive factors of 

the proposed merger with The Bank of Mason, Mason.

- Submitted, October 4, 2000 

Atlanta

First Charter National Bank, Concord, North Carolina -- report on competitive 

factors of the proposed purchase of assets and assumption of liabilities of the Bryson 

City, Jefferson, Sparta, and West Jefferson branches of First Union National Bank, 

Charlotte.

- Submitted, October 3, 2000 

Richmond

The First National Bank of Peterstown, Peterstown, West Virginia -- report on 

competitive factors of the proposed merger with Peterstown Interim Bank, National 

Association.

- Submitted, October 4, 2000 

Richmond

Integra Bank, N.A., Evansville, Indiana -- report on competitive factors of the 

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

branches in Bowling Green and Franklin, Kentucky, of AmSouth Bank, Birmingham, 

Alabama.

- Submitted, October 2, 2000 

St. Louis

The National Bank of Blacksburg, Blacksburg, Virginia -- report on competitive 

factors of the proposed purchase of assets and assumption of liabilities of the Dublin, 

Radford, and Pulaski branches of AmSouth Bank, Birmingham, Alabama.

- Submitted, October 3, 2000 

Richmond

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority October 1, 2000 to October 7, 2000

Competitive Factors Reports

People's Bank of California, Los Angeles, California -- report on competitive factors 

of the proposed acquisition of the Encino and Woodland Hills branches of Universal 

Bank, West Covina.

- Submitted, October 5, 2000 

San Francisco

Redwood Bank, San Francisco, California -- report on competitive factors of the 

proposed merger with Millennium Bank.

- Submitted, October 4, 2000 

St. Louis

Scott Valley Bank, Yreka, California -- report on competitive factors of the 

proposed acquisition of the Weaverville branch of Six Rivers National Bank, Eureka.

- Submitted, October 5, 2000 

San Francisco

Valley of the Rogue Bank, Rogue River, Oregon -- report on competitive factors of 

the proposed merger with South Umpqua Bank, Roseburg.

- Submitted, October 3, 2000 

San Francisco

Wells Fargo Bank Texas, N.A., San Antonio, Texas -- report on competitive factors 

of the proposed merger with Midland Interim Trust Company, N.A., Midland.

- Submitted, October 5, 2000 

San Francisco

Wells Fargo Financial Bank, Sioux Falls, South Dakota -- report on competitive 

factors of the proposed merger with Wells Fargo Financial National Bank, Des 

Moines, Iowa.

- Submitted, October 3, 2000 

San Francisco

Extensions Of Time

Compass Bank, Birmingham, Alabama -- extension to October 7, 2001, to establish a 

branch at the intersection of Silverbell and Speedway, Tucson, Arizona.

- Approved, October 6, 2000 

Atlanta

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority October 1, 2000 to October 7, 2000

Extensions Of Time

F&M Bank-Central Virginia, Charlottesville, Virginia -- extension to January 8, 

2001, to establish a branch at the intersection of U.S. Route 29 and State Route 607, 

Ruckersville.

- Granted, October 6, 2000 

Richmond

International Brotherhood of Boilermakers, Iron Ship Builders, Blacksmiths, Forgers 

& Helpers, Kansas City, Kansas -- extension to March 19, 2002, to acquire 

Brotherhood Bancshares, Inc.

- Granted, October 3, 2000 

Kansas City

JTB Bancshares, Inc., Mission Hills, Kansas -- extension to January 11, 2001, to 

acquire Whiting Bankshares, Inc., Whiting.

- Granted, October 6, 2000 

Kansas City

Popular, Inc., Hato Rey, Puerto Rico; Popular International Bank, Inc.; and Popular 

North America, Inc., Mount Laurel, New Jersey -- one day extension to acquire 

Aurora National Bank, Aurora, Illinois, and to merge Aurora National Bank with 

Banco Popular North America, New York, New York, and thereby establish 

branches.

- Granted, September 22, 2000 (AC)

New York

Riggs Bank, N.A., McLean, Virginia -- extension to November 8, 2001, to establish 

a branch in Berlin, Germany.

- Granted, October 4, 2000 

Richmond

Waumandee Bancshares, Inc., Waumandee, Wisconsin -- extension to January 13, 

2001, to acquire Waumandee State Bank.

- Granted, October 6, 2000 

Minneapolis

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority October 1, 2000 to October 7, 2000

Financial Holding Companies

Edgar County Banc Shares, Inc., Paris, Illinois -- election to become a financial 

holding company.

- Effective, October 4, 2000 

Chicago

Founders Group, Inc., Worth, Illinois, and Peotone Bancorp, Inc., Peotone -- 

election to become a financial holding company.

- Effective, October 6, 2000 

Chicago

International Operations

First Merit Bank, N.A., Akron, Ohio -- to establish a branch in George Town, Grand 

Cayman, Cayman Islands, British West Indies.

- Approved, September 26, 2000 (AC)

Cleveland

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on August 22, 2000.

- Published, October 5, 2000 

FOMC

(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, October 7, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, October 7, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Urban Financial Group, Inc., Bridgeport, Connecticut, to

become a bank holding dompany, by acquiring 100 percent of

the voting shares of The Community’s Bank, Bridgeport,

Connecticut.*

Newspaper – N/Avail

Fed Reg – 10/12/2000

3(a)(1) Bank of Cyprus, Nicosia, Cyprus, to become a bank holding

company by acquiring 91.38 percent of Interbank of New York,

New York, New York.*

Newspaper – N/Avail

Fed Reg – 10/10/2000

3(a)(1) Bank Hapoalim B.M., Tel Aviv, Israel, et al, to become bank

holding companies by acquiring 100 percent of the shares of

Signature Bank, New York, New York.*

Newspaper – 10/16/2000

Fed Reg – 10/17/2000

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Bank Hapoalim B.M., et al, to engage directly on a de novo

basis, through Signature Securities Group Corporation, in

agency transactional services for customer investments, and

financial and investment advisory 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 Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, October 7, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, October 7, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Received notice from Killbuck Savings Bank, Killbuck, OH on

10/06/2000 of its intent to establish a branch facility at 21841

Plank Road, Howard, OH.

10/06/2000

18(c) Received application on 10/06/2000 from Provident Bank,

Cincinnati, OH to merge with Provident Bank of Florida,

Sarasota, FL.

10/23/2000

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, October 7, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

4(c)(8) FNB Corporation, Christiansburg, Virginia, to merge with

Southwest Bancshares, Inc., Roanoke, Virginia .*

Fed Reg - 11/03/2000

Newspaper - N/Avail

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, October 7, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Colonial Bank, Montgomery, Alabama, to establish a branch

located at 3333 Preston Road, Suite 101, Frisco, Texas.

10/07/2000*

Branch SunTrust Bank, Atlanta, Georgia, to establish a branch located at

15 Spradlin Farm Drive, Christiansburg, Virginia, to be known

as the Spradlin Farm Office.

10/13/2000*

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) Red Level Financial Corporation, Red Level, Alabama, to

become a bank holding company by acquiring The Peoples Bank

of Red Level, Red Level, Alabama.

Fed Reg - 11/06/2000*

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 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, October 7, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Baylake Bank, Sturgeon Bay, Wisconsin, for prior approval to

establish a mobile branch at 8240 Highway 57, Brussels,

Wisconsin.

Newspaper – 10/09/2000

Branch Maquoketa State Bank, Maquoketa, Iowa, for prior approval to

establish a branch at 16 West Benton Street, Andrew, Iowa..*

Newspaper – 10/13/2000

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Central Banc, Inc., Geneseo, Illinois, for prior approval to

acquire 100 percent of the voting shares of Marquette Bank

Fulton, Fulton, Illinois.*

Fed Reg – 10/23/2000

Newspaper – 10/20/2000

CIC Notification by Paul A. Jones, William J. Jones and Anne Jones

White, of a Change in Control of Cummins-American Corp.,

Glenview, Illinois.

Fed Reg – 10/19/2000

Newspaper – 10/20/2000

CIC Notification by John Mark DeCook and Bruce Heerema of a

Change in Control, for each to become the largest shareholder

by acquiring 13.705 percent of the voting shares outstanding of

Vermeer Investment Company, Pella, Iowa.

Fed Reg – 10/20/2000

Newspaper – N/Avail

3(a)(5) Spectrum Bancorporation, Inc., Omaha, Nebraska, for prior

approval to merge with Great Western Securities, Inc., Omaha,

Nebraska and thereby indirectly acquire Great Western Bank,

Omaha, Nebraska.*

Fed Reg – 10/30/2000

Newspaper – N/Avail

3(a)(1) eZCB Bancorp, Inc., Grand Rapids, Michigan, for prior approval

to become a bank holding company through the acquisition of

100 percent of the voting shares of eZCommunityBank.com (in

organization), Grand Rapids, Michigan.*

Fed Reg – 10/30/2000

Newspaper – N/Avail
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC Notification by Raymond James Schirmer and Robert Lawrence

Foust, of a Change in Control , to control up to 100 percent of

the outstanding voting shares of Munter Agency, Inc.,

Strawberry Point, Iowa.

Fed Reg – 10/20/2000

Newspaper – 10/31/2000

3(a)(3) Calumet Bancorporation, Inc., Chilton, Wisconsin, for prior

approval to acquire 100 percent of the voting shares of State

Bank of Stockridge, Stockridge, Wisconsin.*

Fed Reg – 11/06/2000

Newspaper – N/Avail

CIC Notification by James G. Fitzgerald, together with certain

members of his family, of a Change in Control, to acquire up to

92.2 percent of Southern Wisconsin Bancshares Corp., Mineral

Point, Wisconsin.

Fed Reg – 10/06/2000

Newspaper – 10/17/2000

3(a)(3) Northwest Financial Corp., Spencer, Iowa, proposes to acquire

100% of Plymouth Bancorporation, Inc., Le Mars, Iowa, and

thereby indirectly acquire First National Bank, Sioux City,

Iowa.*

Fed Reg – 10/23/2000

Newspaper – 10/23/2000

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, October 7, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Notice involving HBancorporation, Inc., Lawrenceville, Illinois,

by James and Charles Burns, St. Francisville, Illinois, and

certain other members of the Burns family as a group acting in

concert. (Previously submitted during the week ending

September 30, 2000).

Newspaper – 10/17/2000

Fed Reg – 10/18/2000

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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, October 7, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

SMBOTH Grand Marais State Bank, Grand Marais, Minnesota, to reduce

its capital stock.
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

767059 Liberty State Bank

St. Paul, Minnesota

06/12/2000 10/03/2000 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, October 7, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank South, Tulsa, Oklahoma, to establish a branch at 2056

Utica Square, Tulsa, Oklahoma.

Newspaper - 10/19/2000

Branch People First Bank, Hennessey, Oklahoma, to establish a branch

at 101 N. Main Street, Hennessey, Oklahoma, following the

relocation of the main office.

Newspaper - 10/13/2000

18(c) / Branch Pinnacle Bank, Papillion, Nebraska, to merge with Pinnacle

Bank, Wisner, Nebraska, and incident thereto, to establish an

additional branch.

Newspaper - 10/21/2000

18(c) / Branch Bank of Chelsea, Chelsea, Oklahoma, to merge with Bank of

Commerce, Catoosa, Oklahoma, and incident thereto, to

establish a branch.

Newspaper - 10/30/2000

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

Type Application

Ending date of

comment period

3(a)(3) First Olathe Bancshares, Inc., Kansas City, Missouri, to acquire

60.05 percent of the voting shares of Bannister Bank & Trust

Company, Kansas City, Missouri.

Newspaper - 11/03/2000

Fed Reg - N/Avail

CIC Glasnapp Family Limited Partnership I, Mission Hills, Kansas,

to indirectly acquire control of Bannister Bank & Trust

Company, Kansas City, Missouri, through control of First

Olathe Bancshares, Inc., Kansas City, Missouri.

Newspaper - 11/03/2000

Fed Reg - N/Avail

CIC JPM Trust II, Okemah, Oklahoma, to retain voting shares of OK

Bancorporation, Inc., Okemah, Oklahoma, and thereby

indirectly retain control of The Okemah National Bank,

Okemah, Oklahoma.

Newspaper - 10/23/2000

Fed Reg - 10/26/2000
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 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, October 7, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Kyle Lee Thompson, Dallas, Texas, trustee of the Gass Family

Trust, Dallas, Texas, to acquire an interest in

Founders Bancshares, Inc., Dallas, Texas

Fed Reg – 10/25/2000

Newspaper – 10/20/2000

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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, October 7, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Greater Bay Bancorp, Palo Alto, California, to acquire The

Matsco Companies, Inc., Emeryville, California, and thereby

engage in commercial lending, equipment lease financing, and

management consulting and counseling activities.

Fed Reg - 10/26/2000

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