Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 17

Week Ending April 22, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
April 16, 2000 to April 22, 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

The Bank at Broadmoor, Colorado Springs, Colorado -- to establish a branch near 

Briargate Parkway and Chapel Hills Drive.

- Approved, April 18, 2000 

Kansas City

New Peoples Bank, Inc., Honaker, Virginia -- to establish a branch at 402 Main 

Street, Haysi.

- Approved, April 19, 2000 

Richmond

Orrstown Savings Bank, Orrstown, Pennsylvania -- to establish a branch at 3 Baden 

Powell Lane, Mechanicsburg.

- Approved, April 17, 2000 

Philadelphia

The Peoples Bank and Trust Company, Selma, Alabama -- to establish a branch at 

3160 Main Street, Millbrook.

- Approved, April 20, 2000 

Atlanta

Bank Holding Companies

Anderson Bancshares, Inc., Hemmingway, South Carolina -- to merge with 

Anderson Brothers Bancshares, Inc., Mullins.

- Approved, April 20, 2000 

Richmond

BancPlus Corporation, Belzoni, Mississippi -- to acquire First Holmes Corporation, 

Lexington.

- Approved, April 21, 2000 

St. Louis

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority April 16, 2000 to April 22, 2000

Bank Holding Companies

Bank of Montreal, Montreal, Canada; Bankmont Financial Corp., Wilmington, 

Delaware; and Harris Bankcorp, Inc., Chicago, Illinois -- waiver of application in 

connection with the proposed acquisition of Village Banc of Naples, Naples, Florida.

- Approved, April 17, 2000 

Chicago

Burton Bancshares, Inc., Burton, Texas; and Burton Holdings, Inc., Wilmington, 

Delaware -- for Burton Holdings to become a bank holding company through the 

acquisition of Burton State Bank, Burton; and for Burton Bancshares to become a 

bank holding company through the acquisition of Holdings and Bank.

- Approved, April 19, 2000 

Dallas

Dentel Bancorporation, Victor, Iowa -- to acquire Pocahontas Bancorporation, 

Pocahontas, and Pocahontas State Bank.

- Approved, April 20, 2000 

Chicago

First Community Bancshares, Inc., Bargerville, Indiana -- waiver of application in 

connection with the proposed acquisition of Blue River Federal Savings Bank, 

Edinburgh.

- Withdrawn, April 19, 2000 

Chicago

First Security Bancorp, Inc., Lexington, Kentucky -- to acquire First Security Bank 

of Lexington, Inc.

- Approved, April 19, 2000 

Cleveland

Maries County Bancorp, Inc., Vienna, Missouri; and Progress Bancshares, Inc., 

Sullivan -- to acquire shares of Tritten Bancshares, Inc., St. Robert.

- Approved, April 17, 2000 

St. Louis

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority April 16, 2000 to April 22, 2000

Bank Holding Companies

National Penn Bancshares, Inc., Boyertown, Pennsylvania -- to acquire Panasia 

Bank, Fort Lee, New Jersey, through its subsidiary NPB, New Jersey, Inc., 

Morristown.

- Approved, April 21, 2000 

Philadelphia

SNB Bancorp, Inc., Salyersville, Kentucky -- to acquire Salyersville National Bank.

- Approved, April 20, 2000 

Cleveland

State Bank of Slater Employee Stock Ownership Plan & Trust, Slater, Missouri -- to 

become a bank holding company through the acquisition of shares of Slater 

Bancshares, Inc.

- Approved, April 21, 2000 

Kansas City

Bank Premises

The Bank at Broadmoor, Colorado Springs, Colorado -- to increase investment in 

bank premises.

- Approved, April 18, 2000 

Kansas City

Capital Stock

Clifton Bancshares, Inc., Wamego, Kansas -- redemption of stock.

- Approved, April 17, 2000 

Kansas City

Change In Bank Control

Allegiant Bancorp, Inc., St. Louis, Missouri -- change in bank control.

- Permitted, April 19, 2000 

St. Louis

Audubon Investment Company, Coon Rapids, Iowa -- change in bank control.

- Permitted, April 18, 2000 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority April 16, 2000 to April 22, 2000

Change In Bank Control

Delhi Bancshares, Inc., Delhi, Louisiana -- change in bank control.

- Withdrawn, April 20, 2000 

Dallas

WB&T Bancshares, Inc., Duncanville, Texas -- change in bank control.

- Permitted, April 18, 2000 

Dallas

Competitive Factors Reports

BankPlus, Belzoni, Mississippi -- report on competitive factors of the proposed 

merger with First National Bank of Holmes County, Lexington.

- Submitted, April 18, 2000 

St. Louis

Compubank, N.A., Houston, Texas -- report on competitive factors of the proposed 

merger with CPBK Interim Bank, N.A.

- Submitted, April 20, 2000 

Dallas

Fidelity Savings Bank, Pittsburgh, Pennsylvania -- report on competitive factors of 

the proposed merger with Pennwood Savings Bank.

- Submitted, April 17, 2000 

Cleveland

First Alliance Bank and Trust Company, Manchester, New Hampshire -- report on 

competitive factors of the proposed merger with FABAT Acquisition Bank.

- Submitted, April 18, 2000 

Boston

First Guaranty Bank, Hammond, Louisiana -- report on competitive factors of the 

proposed merger with Bank of Morton, Morton, Mississippi.

- Submitted, April 19, 2000 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority April 16, 2000 to April 22, 2000

Competitive Factors Reports

First National Bank, Lebanon, Ohio -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of two branches of Clermont Savings 

Bank, Milford.

- Submitted, April 17, 2000 

Cleveland

First Security Bank of Lexington, Inc., Lexington, Kentucky -- report on competitive 

factors of the proposed merger with New First Security Bank of Lexington, Inc.

- Submitted, April 17, 2000 

Cleveland

New Bremer Bank, National Association, Moorhead, Minnesota -- report on 

competitive factors of the proposed merger with Bremer Bank, National Association.

- Submitted, April 18, 2000 

Minneapolis

NextBank, N.A., San Francisco, California -- report on competitive factors of the 

proposed merger with NextBank Arizona Interim Bank, N.A., Phoenix, Arizona.

- Submitted, April 17, 2000 

San Francisco

Norwest Bank Colorado, N.A., Denver, Colorado -- report on competitive factors of 

the proposed purchase of certain assets and assumption of certain liabilities of Wells 

Fargo Bank, N.A., San Francisco, California.

- Submitted, April 17, 2000 

San Francisco

Port Richmond Savings, Philadelphia, Pennsylvania -- report on competitive factors 

of the proposed merger with Jozef Poniatowski Building and Loan Association.

- Submitted, April 21, 2000 

Philadelphia

Roseville 1st National Bank, Roseville, California -- report on competitive factors of 

the proposed merger with Western Sierra National Bank, Cameron Park.

- Submitted, April 18, 2000 

San Francisco

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority April 16, 2000 to April 22, 2000

Competitive Factors Reports

TCF National Bank Minnesota, Minneapolis, Minnesota -- report on competitive 

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

Waukegan, Illinois, branch of M&I Bank, FSB, Las Vegas, Nevada.

- Submitted, April 21, 2000 

Chicago

Extensions Of Time

Employee Stock Ownership Trust of People's Bank and Trust Company of Pickett 

County, Byrdstown, Tennessee -- extension to July 29, 2000, to acquire an interest 

in Upper Cumberland Bancshares, Inc.

- Granted, April 20, 2000 

Atlanta

First Virginia Bank, Falls Church, Virginia -- extension to November 27, 2000, to 

establish a branch in the 7500 block of Linton Hall Road, Gainesville.

- Granted, April 21, 2000 

Richmond

FleetBoston Corporation, Boston, Massachusetts -- extension to April 28, 2000, for 

receipt of comments from a commenter on FleetBoston's proposed acquisition of 

shares of North Fork Bancorporation, Inc., Melville.

- Granted, April 20, 2000 

Secretary

Guaranty Bank, Charlottesville, Virginia -- extension to April 21, 2001, to establish a 

branch at U.S. Route 29 and Worth Crossing.

- Granted, April 19, 2000 

Richmond

Utah Bancshares, Inc., Ephraim, Utah -- extension to July 21, 2000, to become a 

bank holding company through the acquisition of Bank of Ephraim.

- Granted, April 18, 2000 

San Francisco

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority April 16, 2000 to April 22, 2000

International Operations

Associated Bank Green Bay, National Association, Green Bay, Wisconsin -- to 

establish a limited purpose branch in Georgetown, Grand Cayman, Cayman Islands.

- Approved, April 19, 2000 

Chicago

Membership

Pleasanton State Bank, Pleasanton, Nebraska -- membership in the Federal Reserve 

System.

- Approved, April 21, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 7 of 7
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, April 22, 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) Island Bancorp, Inc., Edgartown, Massachusetts – proposal to

acquire 100% of the voting shares of The Edgartwon National

Bank, Edgartown, Massachusetts

Newspaper – 05/15/2000

Fed Reg – 05/19/2000

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 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, April 22, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

representative office in New York, New York.

Newspaper – N/Avail

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

representative office in Miami, Florida.

Newspaper – N/Avail

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

establish a federally licensed uninsured branch in Greenwich,

Connecticut.

Newspaper – N/Avail

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

a representative office in New York, New York.

Newspaper – N/Avail

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

office in Miami, Florida.

Newspaper – N/Avail

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

branch office in New York, New York.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, April 22, 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 Donna DePaul-Bartynski, Anthony DePaul, and Andrea

Naticchione, as Co-trustees of the Peter DePaul Irrevocable

Trust, to purchase up to 15.9% of the common stock of Madison

Bancshares Group, Ltd.

Newspaper: N/Avail

Fed. Reg: 05/08/2000

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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, April 22, 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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, April 22, 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) Sun Bancshares, Inc., Murrells Inlet, South Carolina, to

become a bank holding company through the acquisition

of 100% the voting shares of SunBank, N.A. (in organization), Murrells Inlet, South Carolina.*

Fed Reg – 05/05/2000

Newspaper – 05/07/2000

3(a)(5) Wachovia Corporation, Winston-Salem, North Carolina, to

merge with Commerce National Corporation, Winter Park,

Florida.*

Fed Reg – 05/12/2000

Newspaper – 05/12/2000

3(a)(5) Carolina First Corporation, Greenville, South Carolina, to

merge with Anchor Financial Corporation, Myrtle Beach,

South Carolina.*

Fed Reg – 05/15/2000

Newspaper – 05/15/2000

3(a)(5) First Bancorp, Troy, North Carolina, to merge with First

Savings Bancorp, Inc., Southern Pines, North Carolina.*

Fed Reg – 05/15/2000

Newspaper – 05/19/2000

*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 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, April 22, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at 5115 South Dale Mabry Highway, Tampa, Florida, to

be known as the South Tampa Office.

04/28/2000*

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

located at 3942 Government Boulevard, Mobile, Alabama, to be

known as the Skyline Office.

04/28/2000*

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

4095 Sugarloaf Parkway, Lawrenceville, Georgia, to be known

as the Lawrenceville Office.

04/22/2000*

*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

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

COM AmSouth Bank, Birmingham, Alabama, commitment waiver

request.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

2743244 Red River Bank

Post Office Box 12598

Alexandria, Louisiana 71315

(318) 442-7910

03/10/2000 03/17/2000 S X

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, April 22, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

establish a branch office at 1520 N. Woodward Avenue,

Bloomfield Hills, Michigan.*

Newspaper – 04/17/2000

* 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) Ida Grove Bancshares, Inc., Ida Grove, Iowa, proposes to

acquire at least 80.1 percent of American National Bank (in

organization), Sac City, Iowa.*

Fed Reg – 05/01/2000

Newspaper – 05/06/2000

3(a)(3) American Bancshares, Inc., Holstein, Iowa, proposes to acquire

at least 80.1 percent of American National Bank (in

organization), Sac City, Iowa.*

Fed Reg – 05/01/2000

Newspaper – 05/06/2000

3(a)(1) USB Bankshares, Inc., Freeport, Illinois, for prior approval to

acquire 100 percent of the voting shares of Union Savings Bank,

Freeport, Illinois.*

Fed Reg – N/Avail

Newspaper – 03/24/2000

3(a)(1) Union Bancshares, MHC., Freeport, Illinois, for prior approval

to become a bank holding company through the acquisition of

100 percent of the voting shares of USB Bankshares, Inc.,

Freeport, Illinois, and thereby indirectly acquire Union Savings

Bank, Freeport, Illinois.*

Fed Reg – N/Avail

Newspaper – 03/24/2000

3(a)(3) Landmark Financial Group, Inc., Belvidere, Illinois, proposes to

acquire 100 percent of Leland National Bancorp, Inc., Leland,

Illinois, and thereby indirectly acquire LNB National Bank,

Leland, Illinois*

Fed Reg - N/Avail

Newspaper - N/Avail

* Subject to the provisions of the Community Reinvestment Act
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, April 22, 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 Southern State Bancshares, Inc., Malvern,

Arkansas, by Sara J. Harrison, Little Rock, Arkansas, to retain

her existing ownership of 15.72 percent. (Previously reported

during the week ending April 15, 2000.)

Newspaper – 5/6/2000

Fed Reg – 5/3/2000

3(a)(1) Notice by G.A.C. Inc., St. Louis, Missouri, to acquire Gateway

National Bank of St. Louis, St. Louis, Missouri.*

Newspaper – 5/15/2000

Fed Reg – 5/15/2000

3(a)(3) Notice by Enterbank Holdings, Inc., Clayton, Missouri, to

acquire Commercial Guaranty Bancshares, Inc., Overland Park,

Kansas. (A companion Section 4(c)(8) notice accompanies this

notice.)*

Newspaper – N/Avail.

Fed Reg – N/Avail.

3(a)(5) Notice by National Commerce Bancorporation, Memphis,

Tennessee, to acquire CCB Financial Corporation, Durham,

North Carolina.*

Newspaper – 5/23/2000

Fed Reg – N/Avail.

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Notice by Enterbank Holdings, Inc., Clayton, Missouri, to

acquire Commercial Guaranty Bancshares, Inc., Overland Park,

Kansas, and its nonbank subsidiary, The Capital Company,

Overland Park, Kansas, and thereby indirectly engage in

financial and investment advisory activities, private placement

services, and management consulting and counseling activities.

(A companion Section 3(a)(3) notice accompanies this notice.)

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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, April 22, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

BKBRX First Interstate Bank, Billings, Montana, proposes to establish a

branch located at 2023 Burke Street, Bozeman, Montana.

04/18/2000

BKBRX First Interstate Bank, Billings, Montana, proposes to establish a

branch at 2525 King Avenue W., Billings, Montana.

04/19/2000

BKBRX First Interstate Bank, Billings, Montana, proposes to establish a

branch at 3401 North Montana Avenue, Helena, Montana.

04/18/2000

BKBRX First Interstate Bank, Billings, Montana, proposes to establish a

branch at 2750 Prospect Avenue, Helena, Montana.

04/20/2000

BKBRX First Interstate Bank, Billings, Montana, proposes to establish a

branch at 701 Smelter Avenue, N.E., Great Falls, Montana.

04/19/2000

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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, April 22, 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 Robert M. Mortimer, Delphos, Kansas, for prior approval to

acquire voting shares of Delphos, Inc., Delphos, Kansas, and

thereby indirectly acquire State Bank of Delphos, Delphos,

Kansas.

Newspaper – 04/30/2000

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

Member Security Bank National Bank and Trust Company, Norman,

Oklahoma, for prior approval to become a member of the

Federal Reserve System. Bank will also change name to Arvest

Bank, Norman, Oklahoma, following the conversion.

Member Bank South National Association, Tulsa, Oklahoma, for prior

approval for membership in the Federal Reserve System.

Member Pleasanton State Bank, Pleasanton, Nebraska, for prior approval

for membership in the Federal Reserve System.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, April 22, 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

3(a)(1) Lone Star Bancorporation, Inc., Houston, TX, and

Lone Star Bancorporation of Delaware, Inc., Wilmington, DE, to

acquire Lone Star Bank, Houston, TX*

*Subject to the provisions of the Community Reinvestment Act
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, April 22, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Rancho Bernardo Community Bank, San Diego, California, to

establish a branch office at 3412 College Avenue, San Diego,

California. *

Newspaper - 05/12/2000

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

1st Choice Financial Corporation, and thereby indirectly acquire

its wholly-owned subsidiary, 1st Choice Bank, both of Greeley,

Colorado. *

Newspaper - 05/19/2000

Fed Reg - 05/19/2000

3(a)(5) Frontier Financial Corporation, Everett, Washington, to merge

with Liberty Bay Financial Corporation, and thereby indirectly

acquire its wholly-owned subsidiary, North Sound Bank, both of

Poulsbo, Washington. *

Newspaper - 05/19/2000

Fed Reg - 05/15/2000

3(a)(1) PBOC Holdings, Inc., to become a bank holding company by

acquiring People's Bank of California, both of Los Angeles,

California.

Newspaper - N/Avail

Fed Reg - 05/22/2000

* 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

4(c)(8) CB Bancshares, Inc., Honolulu, Hawaii, to engage in data

processing activities through a yet-to-be-named wholly-owned

subsidiary.

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