Federal Reserve Bank of Richmond

. ilabili ¢ CRA Publi luati

Week ending November 15, 1996

. . c .

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 - South Hill
111 East Danville Street
South Hill, Virginia 23970-2611 7-22-96 Satisfactory
First Virginia Bank-Southwest
€625 Williamson Road, N.W.
Roanoke, Virginia 24019-4631 8-12-96 Satisfactory

First Virginia Bank - Commonwealth
4360 George Washington Memorial Highway
Grafton, Virginia 23692-2707 8-12-96 Satisfactory



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public E .
week ending November 15, 1996

ASSIGNMENT OF RATING

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
Pioneer Bank & Trust July 22, 1996 Satisfactory
700 State Street

P.O. Box 729

Belle Fourche, SD 57717-0729
(605) 892-2536



FEDERAL RESERVE BANK OF ST. LOUIS

St. Louis, Missouri

AVAILABILITY OF CRA PUBLIC DISCLOSURES

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 law- 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.

FOR THE WEEK ENDING November 15, 1996

Name of Bank Bank Address Examination | Examination
Date Rating

Charter State Bank Beebe, Arkansas 7/22/96 Satisfactory



Federal Reserve Bank of Kansas City

Bank of Star Valley Afton WY
Security State Bank of Basin Basin WY
Frontier Bank of Laramie County Cheyenne Wy
Bank of Jackson Hole Jackson wy
Uinta County State Bank Mountain View Wy
Bank of Commerce Rawlins WY
Sundance State Bank Sundance WY
Citizens Bank & Trust Co. Torrington wy
Stockgrowers State Bank Worland wy

* Examinations may have to be rescheduled during the calendar quarter in which they are designed to
begin. If an institution’s examination is rescheduled for a date later than the end of the date range
reflected in a published schedule, the institution’s name will be republished in an appropriate later
listing. Any comments received as a result of either the first publication or subsequent publications
will be considered during the examination.


FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER
NOTICE ONLY

Dauphin Deposit Bank, Harrisburg, PA to establish a branch office to be located at 1355 East
Lehman Street, Lebanon, PA.

Newspaper comment period expires: 11/23/96

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

NONE

SECTION Itt - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL
REGISTER NOTICE ONLY

NONE

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

i
i

NONE



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 11/15/96
Section V - Availability of CRA Public Evaluations

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.

Institution Location Examination Date Rating*

None

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

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 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 Tow- 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.



i = Avai ili ic Ev:

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:

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 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
ef 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.

Examination
Bank CRA in Date
Bank Independent Outstanding 08-05-96

Drawer B
Sheffield, Alabama 35660
(205) 386-5000



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section VI - CRA Examinations
Scheduled to Begin in the Period January 1, 1997 - March 31, 1997

Examinations may have to be rescheduled during the calendar quarter in which they are designed to
begin. If an institution's examination is rescheduled for a date later than the end of the date range
reflected in a published schedule, the institution's name will be republished in an appropriate later
listing. Any comments received as a result of either the first publication or subsequent publications will
be considered during the examination. Written comments regarding the CRA performance of these
institutions should be directed to Ms. Jacquelyn Brunmeier at the Federal Reserve Bank of
Minneapolis, Banking Supervision Department, P.O. Box 291, Minneapolis, MN 55480-0291.

Bank Name City State

The State Bank of Ewen Ewen Michigan
Citizens State Bank of Ontonagon Ontonagon Michigan
First State Bank of Emmons Emmons Minnesota
Ridgedale State Bank Minnetonka Minnesota
First Interstate Bank of Commerce _ Billings Montana
Stockmens Bank Cascade Montana

The Security State Bank Polson Montana
State Bank of Townsend Townsend Montana
American Bank Whitefish Montana
Merchants State Bank Freeman South Dakota
Commercial Trust & Savings Bank = Mitchell South Dakota
American State Bank Rapid City South Dakota
First State Bank of Warner Warner South Dakota
M&lI Bank, Ashland Ashland Wisconsin
M&I Bank of Eagle River Eagle River Wisconsin
M&I Community State Bank Eau Claire Wisconsin
M&I Bank of LaCrosse LaCrosse Wisconsin
M&I Citizens American Bank Merrill Wisconsin
M&I Merchants Bank Rhinelander Wisconsin
M&I Bank Superior Wisconsin

F & M Bank - Superior Superior Wisconsin



H.2

NOVEMBER: 12, 1996 TO NOVEMBER 16, 1996

PAGE 5

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

COMPETITIVE FACTORS REPORTS

Kansas City

Minneapolis

St. Louis

Dallas

St. Louis

Chicago

Farmers Bank, Carrollton, Missouri, proposed
acquisition of the assets and assumption of the
liabilities of the Marshall, Missouri, branch of
Mercantile Bank of West Central Missouri, Sedalia,
Missouri -- report on competitive factors.

Submitted, November 13, 1996.

First Security Bank & Trust of Miles City, Miles
City, Montana, proposed merger with Worden and
Hysham, branches of Stockman Bank of Montana,
Billings; First West Bank, Glendive; and Richland
Bank & Trust, Sidney, Montana -- report on
competitive factors.

Submitted, November 13, 1996.

First State Community Bank, Farmington, Missouri,
proposed acquisition of the St. Marys branch of
First Financial Bank of Ste. Genevieve County, Ste.
Genevieve, Missouri -- report on competitive
factors.

Submitted, November 13, 1996.

Franklin Federal Bancorp, FSB, Austin, Texas,
proposed purchase of the assets and assumption of
the liabilities of Norwest Bank Texas, South
Central, Victoria, Texas -- report on competitive
factors.

Submitted, November 15, 1996.

Mercantile Bank of Willow Springs, Willow Springs,
Missouri, proposed merger with Mercantile Bank of
Lebanon, Lebanon; Mercantile Bank of Springfield,
Springfield; Mercantile Bank of Monett, Monett; and
Mercantile Bank of Wright County, Hartsville,
Missouri -- report on competitive factors.

Submitted, November 13, 1996.

Mutual Savings Bank, Milwaukee, Wisconsin, proposed
merger with First Federal Bancshares of Eau Claire,
Inc., Eau Claire, Wisconsin -- report on
competitive factors. (FDIC application)

Submitted, November 12, 1996.



44.
45.
46.
47.
48.
49.
50.
51.
52.
53.
54.
55.
56.
57.

59.

Evergreen State Bank

Bank One Springfield

Bank One Antigo

Farmers& Merchants Bank of Orfordville
Eastern Michigan Bank

Bankers Trust Company

G.W. Jones Exchange Bank
Security State Bank

Farmers State Bank of Breckenridge
First State Bank of Maple Park
Security Savings Bank

Bartonville Bank

M&I Bank of Burlington

First Farmers Bank & Trust Co.
Parish Bank & Trust Company

First Community Bank

Fort Madison Bank & Trust Co.

PoySippi, Wisconsin
Springfield, Hlinois
Antigo, Wisconsin
Orfordville, Wisconsin
Croswell, Michigan
Des Moines, Iowa
Marcellus, Michigan
New Hampton, Iowa
Breckenridge, Michigan
Maple Park, Illinois
Eagle Grove, Iowa
Bartonville, Illinois
Burlington, Wisconsin
Converse, Indiana
Momence, IHinois
Harbor Springs, Michigan
Fort Madison, Iowa



Federal Reserve Bank of Richmond

Examinations may have to be rescheduled during the calendar quarter in which
they are designated to begin. If an institution's examination is rescheduled
for a date later than the end of the date range reflected in published
schedule, the institution's name will be republished in an appropriate later
listing. Any comments received as a result of either the first publication
oer subsequent publications will be considered during the examination.

Old North State Bank, Winston-Saien, North Carolina

Greenwood Bank & Trust, Greenwocd, South Carolina

Johnsonvilie State Bank, Johnsonville, South Carolina

Bank of Northern Virginia, Arlington, Virginia

F & M Bank-Central, Charlottesville, Virginia

Virginia Bank and Trust Company, Danville, Virginia

F & M Bank-Massanutten, Harrisonburg, Virginia

Bank of Northumberland, Incorporated, Heathsville, Virginia

Benchmark Community Bank, Kenbridge, Virginia

Virginia Community Bank, Louisa, Virginia

County Bank of Chesterfield, Midlothian, Virginia

Regency Bank, Richmond, Virginia

Bank of Isle of Wight, Smithfield, Virginia

Bank of Essex, Tappahannock, Virginia

Princess Anne Bank, Virginia Beach, Virginia

F & M Bank-Peoples, Warrenton, Virginia

Bruceton Bank, Bruceton Mills, West Virginza

Barbour Counvy Bank, Philippi, West Virg=

Bank of Ripley, Ripley, Wese Virginia

Bank ot Zomney, Romey, West Virginia

Bank of Monroe, Union. West Virginia

Bank of White Suiphur Springs, White Sulphur Sprinjs,
wast Virginia



Federal Reserve Bank of Chicago

cti - Applications Subje: Both Ne ind Feder:
egister ice ‘d
Comment Period
Type Application Ending Date
3(a)(3) Salin Bancshares, Inc.* FR - 11-1-96
Indianapolis, Indiana NP - 11-22-96

Columbus Bancorp, Inc.
Indianapolis, Indiana

Columbus Bank and Trust Company
Columbus, Indiana

3(a)(1) New Asia Bancorp* FR - 11-29-96
Chicago, Illinois NP - 10-21-96
NAB Bank
Chicago, Illinois
3(a)(3) Pontiac Bancorp, Inc.* FR - 11-29-96
Pontiac, Illinois NP - 11-25-96
Bank of Dwight
Dwight, Illinois
3(a)(1) Sun Community Bancorp, Ltd.* FR - **
Tucson, Arizona NP - **
Bank of Tucson
Tucson, Arizona
3(a)(1) AmeriMark Financial Corporation.* FR - **
Oak Brook, Illinois NP - **

Duco Bancshares, Inc.
Villa Park, Illinois

Bank of Illinois in DuPage
Villa Park, Illinois

3(a)(1) Barker Brothers, Inc.* FR - 12-13-96
Springfield, Illinois NP - **
Middletown Bancorp, Inc.
Middletown, Illinois
Middletown State Bank
Middletown , Illinois
Latham Bancorp, Inc.
Latham, Illinois
State Bank of Latham
Latham, Illinois



serve nk of
Ay i i i Wi i Nove’ 1996

ection 6 - CRA Examinations Scheduled for First Cuarter of 1997

Examinations may have to be rescheduled during the calendar quarter in which they
are designated to begin. If an institution’s examination is rescheduled for a
date later than the end of the date range reflected in a published schedule, the
institution’s name will be republished in an appropriate later listing. Any
comments received as a result of either the first publication or subsequent
publications will be considered during the examination.

The Brand Banking Company, Lawrenceville, Georgia
The Blackshear Bank, Blackshear, Georgia

Community Bank of Islands, Sanibel, Florida

Barnett Bank of SouthWest Georgia, Columbus, Georgia
Commercial Bank of Florida, Miami, Florida
Friendship Community Bank, Ocala, Florida

Intervest Bank, Clearwater, Florida

Independent Bankers Bank, Orlando, Florida
SunTrust/Tampa Bay, Tampa, Florida

Southern Security Bank of Hollywood, Hollywood, Florida
Gulf Bank, Miami, Florida

First Western Bank, Cooper City, Florida

United American Bank, Orlando, Florida

Peoples Savings Bank, Clanton, Alabama

Merchants Bank, Vicksburg, Mississippi

The Home Bank, Guntersville, Alabama

United Bank & Trust Company, St. Petersburg, Florida
Monroe County Bank, Monroeville , Alabama

Elmore County Bank, Wetumpka, Alabama

First Montgomery Bank, Montgomery, Alabama

Equitable Bank, North Miami Beach, Florida

Citizens Trust Bank, Atlanta, Georgia

First Navy Bank, Pensacola, Florida

Independent Bank, Ocala, Florida

Coconut Grove Bank, Miami, Florida

Republic Security Bank, West Palm Beach, Florida



Federal Reserve Bank of St. Louis

FOR THE WEEK ENDING NOVEMBER 15, 1996

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE
Application End of Comment Period

* Section 9 application by The Fifth Third Bank of

Kentucky, Inc., Louisville, Kentucky, to relocate a

branch from Dupont Village, 4008 Dutchmans Lane,

Louisville, Kentucky, to Mall St. Matthews, 5000

Shelbyville Road, Louisville, Kentucky. 11-9-96

* Section 9 application by The Citizens Bank,
Batesville, Arkansas, to establish a branch at
Blackland Road, Pleasant Plains, Arkansas. 11-20-96

* Section 3(a)(1) notification by Omni Financial
Corporation, Pontoon Beach, Illinois, to acquire
Omni Bank, Pontoon Beach, Illinois. 12-3-96

* Section 9 membership application by Pinnacle
Bank, Little Rock, Arkansas, a proposed de novo
bank. 12-9-96

SECTION II - APPLICATIONS SUBJECT TO BOTH

NEWSPAPER AND FEDERAL REGISTER NOTICE
Application End of Comment Period
* Section 3(a)(1) application by Pinnacle
Bancshares, Inc., Little Rock, Arkansas, to

acquire Pinnacle Bank, Little Rock, Arkansas, a
proposed de novo state member bank. Newspaper: 12-9-96

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE

Application End of Comment Period

None.

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

Application End of Comment Period

None.

* This application/notification is subject to CRA.



AVAILABILITY OF CRA PUBLIC EVALUATIONS
(November 15, 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 15, 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 manner consistent with its resources and
capabilities.

NONE



FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

TI = Ti ECT T
P. TICE ONL
Application me: i i Da
Abington Bancorp, Inc., Wi er 11-29-96

Abington, Massachusetts -
3(a) (1) to become a bank
holding company through

the acquisition of Abington
Savings Bank, Abington,
Massachusetts*

II - LICAT E TH
Wi: R D L L NOTIC)

Application n i Endin

BostonFed Bancorp, Inc., lew; 2. 12-19-96
Burlington, Massachusetts -

3 (a) (1) /4(c) (8) application Federal Register Not Yet Established
to acquire Broadway Capital

Corp., Chelsea, MA and to

retain Boston Federal

Savings Bank, Burlington,

Massachusetts*

10 = AT UB. TO

Application eri Endi

Campello Bancorp, Brockton, Federal Register 11-26-96
Massachusetts - 4(c) (8)

notification to engage in

loan servicing pursuant to

section 225.25(b) (1) of

Regulation Y



Federal Reserve Bank of Chicago
‘ion V_- Availability of ic Ev: i

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 15, 1996. If you are interested in obtaining a copy of the evaluation
document, please contact the bank(s) directly.

lentification of Rati

O- 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.

S- 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.

NI - 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.

SN - 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 1
EXAMINATION DATE RATINGS

State Bank of Everly

301 Main Street

Everly, Iowa 51338-0149

(712) 834-2221 8/12/96 oO

Peoples State Bank of Mansfield

One Jefferson

Mansfield, Illinois 61854-0579

(217) 489-2271 8/12/96 Ss

First American Bank

702 Main Street

Jewell, Iowa 50130-0280

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



Type

3(a)(3)

3(a)C)

3(a)(3)

3(ay(1)

3(a)(1)

3(a)6)

Federal Reserve Bank of Chicago

tion II - Applications Subject to Both News, r
ister Notice Cont’d

Application

F & M Bancorporation, Inc.*

Kaukauna, Wisconsin

Green County Bank
Brodhead, Wisconsin

Two Rivers Bank Holding Company*
Rock Valley, lowa

Rock Valley State Bank

Rock Valley, Iowa (in organization)

Panhandle Aviation, Inc.*
Carinda, Iowa”

National Bank of Iowa
Danison, lowa

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

Fe

if

Ending Date

FR - 11-18-96
NP - 11-18-96

ER - 11-29-96
NP - **

FR - 12-03-96
NP -**

ER - 12-06-96
NP -**

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

FR - **
NP - **



H.2
NOVEMBER 12, 1996 TO NOVEMBER 16, 1996
PAGE 7

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

EXTENSIONS OF TIME

Richmond Virginia Heartland Bank, Fredericksburg, Virginia --
extension to November 15, 1997, to establish a
branch at 12115 Andora Drive.

Granted, November 15, 1996.

San Francisco Wells Fargo & Company, San Francisco, California --
extension to February 12, 1997, to expand the
geographic scope of issuing and selling variably
denominated payment instruments.

Granted, November 14, 1996.

INTERNATIONAL OPERATIONS

Director, BS&R J.P. Morgan & Co. Incorporated, New York, New York --
waiver of the remainder of the 45-day notice period
to make an investment in Latas de Aluminio $.A.,
Rio Janeiro, Brazil.

Approved, November 12, 1996.

MEMBERSHIP

St. Louis Bank of Rogers, Rogers, Arkansas -- to become a
member of the Federal Reserve System.
Approved, November 13, 1996.

REGULATIONS AND POLICIES

Secrertary Federal Open Market Committee -- minutes of meeting
FOMC on September 24, 1996.
Published, November 15, 1996.

Secretary Regulation Z -- request for comment on proposed
revision to the official staff commentary to
provide guidance on the treatment of fees on
mortgage loans and accuracy in disclosing finance
charges and other costs (Docket R-0942).

Approved, November 15, 1996.



H.2

NOVEMBER 12, 1996 TO NOVEMBER 16, 1996

PAGE 6

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

COMPETITIVE FACTORS REPCRTS

Chicago

New York

Atlanta

Dallas

San Francisco

EXTENSIONS OF TIME

Dallas

Richmond

Mutual Savings Bank, Milwaukee, Wisconsin, proposed
purchase of the assets and assumption of the
liabilities of First Federal Bancshares of Eau
Claire, Inc., Eau Claire, Wisconsin -- report on
competitive factors. (OTS application)

Submitted, November 12, 1996.

OnBank & Trust Co., Syracuse, New York, proposed
merger with OnBank -- report on competitive
factors.

Submitted, November 13, 1996.

Regions Bank, Gainesville, Georgia, proposed merger
with First Federal Bank of Northwest Georgia, FSB,
Cedartown, Georgia -- report on competitive
factors.

Submitted, November 12, 1996.

Texas Bank, Brownwood, Texas, proposed purchase of
the assets and assumption of the liabilities of a
branch at 422 West Washington, Stephenville, of
Bank of America Texas, N.A., Irving, Texas --
report on competitive factors.

Submitted, November 15, 1996.

Western Sierra National Bank, Cameron Park,
California, proposed merger with Interim National
Bank -- report on competitive factors.

Submitted, November 12, 1996.

Canton Financial Corp., Canton, Texas -- extension to
February 27, 1997, to acquire First National Bank
of Canton.

Granted, November 13, 1996.

First National Bancorp, Inc., St. Marys, West
Virginia -- extension to February 14, 1997, to
acquire The First National Bank of St. Marys.

Granted, November 16, 1996.



Federal Reserve Bank of Richmond

Notice Only

Licati jod Endi

The Bank of Tidewater, Virginia Beach,
Virginia, to establish a branch at
2251 West Great Neck Road, Virginia

Beach, Virginia.* 12-7-96
ion II - i . .
. i Federal ; 7
appl : jod Ending D
None.
jon III - Li . bi jexal . .
li . peri di

Crestar Fii.ancial Corporation, Richmond,
Virginia; First Union Corporation and Nations-
Bank Corporation, Charlotte, North Carolina;
Southern National Corporation and Wachovia
Corporation, Winston-Salem, North Carolina;

and Barnett Banks, Inc., Jacksonville, Florida,
to control over 5% of Southeast Switch, Inc.,
Maitland, Florida, after its merger with Alabama
Network, Inc., Birmingham, Alabama.

Section IV - Application Not Subject to
jeral . . N .

None.

*Application is subject to CRA requirements.

12-3-96**

**Expiration of comment period specified in the Federal Register.



H.2 ADDITIONS AND CORRECTIONS

NOVEMBER 12, 1996 TO NOVEMBER 16, 1996
PAGE 9

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

COMPETITIVE FACTORS REPORTS

Boston First Essex Bank, FSB, Lawrence, Massachusetts,
proposed merger with Pelham Bank & Trust Company,
Pelham, New Hampshire -- report on competitive
factors.
Submitted, November 8, 1996.



Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending November 15, 1996

Recently Approved Application: Approval Date

Aliant Bank 11-15-96

Alexander City, Alabama
To merge with Elmore County Bank, Wetumpka, Alabama, pursuant to Section 18(c) of

the Federal Deposit Insurance Act.

Aliant Bank 11-15-96

Alexander City, Alabama
To merge with First Montgomery Bank, Montgomery, Alabama, pursuant to Section

18(c) of the Federal Deposit Insurance Act.



ANNOUNCEMENT H.2, 1996, No. 46

Actions of the Board, its Staff, and
BOARD OF GOVERNORS the Federal Reserve Banks;
OF THE Applications and Reports Received
FEDERAL RESERVE SYSTEM During the Week Ending November 16, 1996

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANK HOLDING COMPANIES

Bank of Boston Corporation, Boston, Massachusetts ~-
to engage de novo in underwriting and dealing, to a
limited extent, in all types of debt and equity
securities, and in certain other nonbanking
activities through BancBoston Securities, Inc.

Approved, November 12, 1996.

State Street Boston Corporation, Boston,
Massachusetts -- to acquire more than five percent
of the voting shares of Global Financial
Information Corporation, St, Louis, Missouri.

Approved, November 15, 1996.

Toronto-Dominion Bank, Toronto, Canada ~- request for
reconsideration of the Board's approval of the
application and notices to acquire ail the voting
shares of Waterhouse Investor Services, Inc., New
York, New York, and its bank and nonbank
subsidiaries, including Waterhouse National Bank,
White Plains, New York.

Denied, November 13, 1996.

Union Planters Corporation, Memphis, Tennessee --
request for reconsideration of approval by the
Federal Reserve Bank of St. Louis of the
application to acquire Financial Bancshares, Inc.,
St. Louis, Missouri.

Denied, November 12, 1996.

BANKS, NONMEMBER, AND MISCELLANEOUS INSTITUTIONS

Wells Fargo HSBC Trade Bank, N.A., San Francisco,
California -- request for exemption from section
23A in order for Trade Bank to acquire assets from
certain branches of The Hongkong and Shanghai
Banking Corporation, Ltd.

Granted, November 14, 1996.

INTERNATIONAL OPERATIONS

J.P. Morgan & Co. Incorporated, New York, New York --
to make an investment in Latas de Aluminio S.A.,
Rio Janeiro, Brazil.

Permitted, November 12, 1996.



*Section 3(a)(3) application by

Cullen/Frost Bankers, Inc., San Antonio, TX, to acquire

Corpus Christi Bancshares, Corpus Christi, TX,

C.S.B.C.C.,; Inc., Wilmington, Delaware, and

Citizens State Bank, Corpus Christi, TX 96/12/02
(Previously reported during the week of 10-28-96)

*Section 3(a)(3) application by

The New Galveston Company, Wilmington, DE, to acquire

Corpus Christi Bancshares, Corpus Christi, TX,

C.S.B.C.C., Inc., Wilmington, Delaware, and

Citizens State Bank, Corpus Christi, TX 96/12/02
(Previously reported during the week of 10-28-96)

*Section 3(a)(5) application by

Cullen/Frost Bankers, Inc., San Antonio, TX, to merge

with Corpus Christi Bancshares, Corpus Christi, TX 96/12/02
(Previously reported during the week of 10-28-96)

*Section 3(a)(5) application by

The New Galveston Company, Wilmington, DE, to merge

with Corpus Christi Bancshares, Corpus Christi, TX 96/12/02
(Previously reported during the week of 10-28-96)

ECTION II] - APPLICATIONS SUBJECT TO FEDERAL REGISTER

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
None.

* 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 NEW YORK

SECTION I

Applications Subject to Newspaper
tice Onh

Summit Bank, Hackensack, New Jersey, to establish branches at
Lanidex Center, Building 300, Parsippany, New Jersey, and at
Pathmark Supermarkets at 450 Hackensack Avenue, Hackensack:
405 Route 17, Hackensack; 80 New Bridge Rd., Bergenfield;
407 Valley St., South Orange; 277 Ferry St., Newark; 2881 Mt.
Ephraim Rd., Camden; 989 Church Rd., Cherry Hill; and

100 Schanck Rd., Freehold, all in New Jersey.1/

The Bank of New York, New York, New York, to establish a
branch within the Edwards Super Food Store at 3083 Jericho
Turnpike, East Northport. New York. 1/

SECTION II

Applications Subject to Both
Newspaper and Federal Register Notice

Marathon Banking Corp.. Astoria, New York, to become a bank
holding company with respect to Marathon National Bank of New
York, Astoria, New York. 1/

Application by U.S. Trust Corp.. New York, New York. to retain
the shares of U.S. Trust Co. of New Jersey. Princeton. New Jersey.
after it converts from a limited purpose trust company to an
insured bank. 1/

SECTION Ul

Nonbanking Applications
subject to Federal Register Notice Onl

None.
SECTION IV
Applications Not Involving
__Public Comment __
None.

SECTI'
Availability of CRA lic 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

Comment Period

Ending Date
12/05/96
12/13/96

12/05/96 3/

12/08/96 3/



D I iW E]
Application
NONE
*Subject to CRA.
**Rating Definitions: "O" - Outstanding; "S" - Satisfactory; "N" - Needs to
Improve; "SN" - Substantial Noncompliance.
NV - I VALI a
Institution Examination Date Rating**
NONE
I = INE EDI

Examinations may have to be rescheduled during the calendar quarter in which
they are designated to begin. If an institutions’s examination is rescheduled
for a date later than the end of the date range reflected in a published
schedule, the institution’s name will be republished in an appropriate later
listing. Any comments received as a result of either the first publication or
subsequent publications will be considered during the examination.

FIRST QUARTER 1997

State Street Bank and Trust Company, Boston, Massachusetts



Federal Reserve Bank of Kansas City

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

NKC Bancshares, Inc., North Kansas City, Missouri,
for prior approval to repurchase 25.93 percent of its
outstanding common stock.

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
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.



Federal Reserve Bank of Chicago

Type Application

None



SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
FOR THE WEEK OF NOVEMBER 11, 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,
jn 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

None.



Type
4(c)(8)

48)

4(©)(8)

4(©)(8)

4(c)(8)

Federal Reserve Bank of Chicago

Application

AmeriMark Financial Corporation
Oak Brook, Illinois

Banill Corporation

Villa Park, Illinois

Liberty Financial Corporation

West Des Moines, Iowa
Liberty Leasing Company
West Des Moines, Iowa

Liberty Financial Corporation

West Des Moines, Iowa
Liberty Mortgage Company
West Des Moines, Iowa

Liberty Financial Corporation
West Des Moines, Iowa
L.S.B. Bancorp
Johnston, Iowa

Liberty Financial Corporation

West Des Moines, Iowa
Liberty Loan Store, Inc.
West Des Moines, Iowa

Comment Period

Ending Date

FR - **

FR - 11-8-96

FR - 11-8-96

FR - 11-8-96

FR - 11-8-96



H.2
NOVEMBER 12, 1996 TO NOVEMBER 16, 1996

PAGE 8

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

RESERVE BANK OPERATIONS

Director, FRBO Federal Reserve Bank of St. Louis -- to acquire check
processing equipment for the Louisville Branch.
Approved, November 15, 1996.



indi. Di
None.
nm 2 =
New: Regi i
Application Comment Period Ending Date
East Coast Bank Corporation Employee 12-09-96
Stock Ownership Plan Trust Federal Register

Ormond Beach, Florida
1-BHC formation, to acquire 40 percent of East Coast Bank Corporation, Ormond
Beach, Florida.

ABC Bancorp 12-06-96*
Moultrie, Georgia Newspaper

To merge with M&F Financial Corporation, Donalsonville, Georgia, and thereby

directly acquire Merchants & Farmers Bank, Donalsonville, Georgia, pursuant to

Section 3(a) (5) of the Bank Holding Company Act.

Peoples Bancorp, Inc. 12-09-96*
Carrollton, Georgia Federal Register
1-BHC formation, Peoples Bank of West Georgia, Carrollton, Georgia.

American City Bancorp Not yet available*
Tullahoma, Tennessee

After-the-fact change in control by the Employee Stock Ownership Plan of American

city Bancorp, Inc., Tullahoma, Tennessee (Bancorp), to retain 24.98 percent of the

outstanding shares of Bancorp.

i - licati
mm i i te
None.
4 - A i
Federal : 4 :
Application

North Fulton Bancshares, Inc.
Roswell, Georgia
Commitment waiver request.

*Subject to provisions of the Community Reinvestment Act.



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section J - Applications Subject to

Newspaper Notice Only

Comment Period

Application _-Ending Date _
NONE.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section II - Applications Subject to Both

Newspaper and Federal Register Notice
Comment Period
Application Ending Date
The Oskey Limited Partnership, Mesa, Arizona, for prior December 13, 1996
approval to become a bank holding company through the (Federal Register)

acquisition of 90% of the voting shares of Glenwood Bancshares,
Inc., Glenwood, Wisconsin, and 84.5% of the voting shares of
Hiawatha Bancshares, Inc., Hager City, Wisconsin. *

Walker Ban Co., Walker, Minnesota, for prior approval to Not yet available
acquire 100% of the voting shares of the Pequot Area
Bancorporation, Inc., Pequot Lakes, Minnesota. *

Michael and Cindy Schneider to acquire control of 100% of Not yet available
the voting shares of Elkton Bancshares, Inc., Elkton, Minnesota.

* Subject to CRA

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section III - Applications Subject

to is
Comment Period

Application Endin;

NONE.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application

First PREMIER Bank, Sioux Falls, South Dakota,
for prior approval to reduce its capital stock through a
1-for-425 reverse stock split of common stock.



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to

Federal Register Notice or Newspaper Notice
(Continued)

licati

Norwest Corporation, Minneapolis, Minnesota,

to engage in residential mortgage lending through the
acquisition of Advance Mortgage, Chesapeake, Virginia, a
joint venture with Rose Enterprises, L.L.C.

Norwest Corporation, Minneapolis, Minnesota, to engage in
residential mortgage lending through the acquisition of
Mortgage One, Canton, Ohio, a joint venture with Cutler
Financial Services, Inc.



Type

3(a)(3)

3(a)(5)

CoC-HC

CoC-HC

3(a)(3)

3(a)(1)

Federal Reserve Bank of Chicago

Register Notice Cont’d

Section II - licati
Application

Wintrust Financial Corporation*

Wilmette, Illinois

Barrington Bank & Trust Company, National Association
Barrington, Illinois (in organization)

F & M Bancorporation, Inc.*
Kaukauna, Wisconsin
East Troy Bancshares, Inc.
East Troy, Wisconsin
State Bank of East Troy
East Troy, Wisconsin

Whitmore Company, Inc.
Corning, Iowa

By Kenneth Whitmore & James Whitmore

MWA Bancorporation
Estherville, lowa
By Greg J. Currell

FBOP Corporation*

Oak Park, Illinois

SDNB Financial Corp.
San Diego, California
San Diego National Bank
San Diego, California

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

Comment Period

Ending Date
FR - 11-29-96

NP - 11-25-96

FR - 11-12-96
NP - 11-11-96

FR - 11-14-96
NP - 11-6-96

FR - 12-03-96
NP - **

FR - 11-18-96
NP - 11-22-96

FR - **
NP - **



H.2

NOVEMBER 12, 1996 TO NOVEMBER 16, 1996

PAGE 4

ACTIONS TAKEN BY THE STAFF AND THE

Al RESERVE BANKS

UNDEA DELEGATED AUTHORITY

BANK HOLDING COMPANIES

Philadelphia

Secretary

Kansas City

BANK MERGERS

Atlanta

Kansas City

Prime Newco Inc., Philadelphia, Pennsylvania -- to
acquire First Sterling Bancorp, Inc., Devon,
Pennsylvania, and operate a savings association and
engage in community development activities.

Approved, November 15, 1996.

State Street Boston Corporation, Boston,
Massachusetts -- to acquire Princeton Financial
Systems, Inc., Princeton, New Jersey, and engage in
data processing activities.

Permitted, November 13, 1996.

TeamBanc, Inc., Paola, Kansas, and TeamBanc, Inc.,
ESOP -- to acquire Crown Bancshares, Inc.,
Bellevue, Nebraska, and TeamBanc Acquisition
Subsidiary, Inc., to acquire Crown Bancshares, Inc.

Approved, November 15, 1996.

Aliant Bank, Alexander City, Alabama -- to merge with
Elmore County Bank, Wetumpka, and First Montgomery
Bank, Montgomery, Alabama.

Approved, November 15, 1996.

Mid-Cities Bancshares, Inc., Hurst, Texas -- change
in bank control.
Approved, November 13, 1996.

S.N.B. Bancshares, Inc., Eufaula, Oklahoma -- change
in bank control.
Permitted, November 14, 1996.



FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF NOVEMBER 11, 1996
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER

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

Change in Control Notice by

James David Williams, and Brian Joseph Pohimeier,

Plainview, TX, to acquire an interest in HaleCo

Bancshares, Inc., Plainview, TX

(Resubmission) N/A
(Previously reported during the week of 10-21-96)

*Section 3(a)(1) application by

Halpain Financial, Ltd., Dallas, TX, to acquire

Gateway Holding Company, Inc., Dallas, TX, Gateway

Delaware Holding Company, Inc., Wilmington, DE, and

Gateway National Bank, Dallas, TX N/A

*Section 3(a)(1) application by

Gateway Holding Company, Inc., Dallas, TX, to acquire

Gateway Delaware Holding Company, Inc., Wilmington, DE,

and Gateway National Bank, Dallas, TX N/A

*Section 3(a)(1) application by
Gateway Delaware Holding Company, Inc., Wilmington, DE,
to acquire Gateway National Bank, Dallas, TX N/A

*Section 3(a)(1) application by

First Mineola, Inc., Mineola, TX, to acquire The First

Mineola Corporation, Mineola, TX, and The First National

Bank, Mineola, TX N/A

Change in Control Notice by
James R. Bruton, De Leon, TX, to acquire an interest in
F&M Bancshares, Inc., De Leon, TX N/A



Federal Reserve Bank of Kansas City

Bank/Location

First Bank of Chandler

P.O. Box 218

Chandler, Oklahoma 74834-0218

*Application is subject to CRA.

CRA Public CRA
Exam Date —Date__ —Rating__
08/19/96 11/14/96 Outstanding

VL_CRA Examination Schedule - 1 12nd. 0 1997

Boulder Valley Bank &Trust
Bank at Broadmoor

Castle Rock Bank

First Security Bank

Bank CO Western Slope
Gunnison Bank & Trust Co
merge w/Bank of Louisville
Ark Valley Independent Bank
Colorado B&TC of La Junta
First Mountain Bank
Community Bank of Parker

Rio Blanco State Bank

Bank of Colorado Front Range
The Union State Bank

The Stock Exchange Bank
Bankwest

Premier Bank

Farmers State Bank

Boatmen’s Bank of Southwest Missouri
Exchange Bank of Missouri
Central Bank of Missouri

The Farmers State Bank & Trust
Citizens Bank

Deuel County State Bank

Crete State Bank

Gretna State Bank

Farmers State Bank & Trust Co.
Farmers Bank of Lincoln
Havelock Bank

First United Bank

State Bank

Pinnacle Bank

Schuyler State Bank & Trust Co.
Farmers State Bank of Superior
Bank of Belen

Boswell State Bank

BancFirst

*estimated based on 96 exam schedule

Boulder
Colorado Springs
Castle Rock

Fort Lupton
Grand Junction
Gunnison

La Junta
La Junta
Leadville
Parker
Rangely
Windsor
Arkansas City
Caldwell
Goodland.
Lenexa
Mankato
Carthage
Fayette
Sedalia
Aurora
Bancroft
Chappell
Crete
Gretna
Lexington
Lincoln
Lincoln
Neligh
Palmer
Papillion
Schuyler
Superior
Belen
Boswell
Oklahoma City

co
co

co
co

co
co
co
co

co
KS
KS
KS
KS
KS
MO
MO
MO
NE

NE
NE
NE
NE
NE
NE
NE
NE
NE

OK
OK



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 15, 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
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/Location Examination Date CRA Rating
Miners Bank of Lykens 07/01/96 Satisfactory
550 Main Street

Lykens, PA 17048



APPLICATIONS BULLETIN
(For the week ending November 16, 1996)

SECTION I. - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
NONE

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

NONE
SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY

Received notice from Mid Am, Inc., Bowling Green, OH on December 4, 1996
November 12, 1996, to acquire Mid Am Private Trust, N.A.,
Cincinnati, OH and engage in permissible trust activities.

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

Application filed by National City Bank, Cleveland, OH received on November 15, 1996, for
permission to relocate its off-shore branch designation form the Bahamas to Grand Cayman,
British West Indies.

Application filed by National City Bank of Indiana, Indianapolis, IN received on November 15,
1996, for permission to relocate its off-shore branch designation form the Bahamas to Grand
Cayman, British West Indies.

* — Subject to CRA

N - Newspaper Comment Period

F - Federal Register Comment Period

# - Expected to End 30 Days from Date of Receipt



H.2

NOVEMBER 12, 1996 TO NOVEMBER 16, 1996

PAGE 3

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

BANK HOLDING COMPANIES

Kansas City

Kansas City

Minneapolis

Richmond

Richmond

Cleveland

Kansas City

Minneapolis

Minneapolis

San Francisco

ADBANC, Inc., Ogallala, Nebraska -- to acquire The
First State Bank, Lodgepole, Nebraska.
Approved, November 15, 1996.

Berco, Inc., Bennington, Kansas -- to acquire up to
10.9 percent of the shares of Front Range
Bancshares, Littleton, Colorado.

Approved, November 15, 1996.

Capitol Bancorporation, Inc., Britton, South Dakota
~- to engage de novo in consumer lending
activities.

Permitted, November 14, 1996.

Century Bancorp, Inc., Thomasville, North Carolina--
to acquire Home Savings, Inc., SSB.
Approved, November 12, 1996.

City Holding Company, Charleston, West Virginia -- to
acquire The Old National Bank of Huntington,
Huntington, West Virginia.

Approved, November 15, 1996.

First Financial Corporation, Hamilton, Ohio -- to
acquire Hastings Financial Corporation, Hastings,
Ohio.

Approved, November 14, 1996.

FirstBank Holding Company of Colorado ESOP, Lakewood,
Colorado -- to acquire FirstBank Holding Company of
Colorado.

Approved, November 15, 1996.

Fulda Bancorporation, Inc., Britton, South Dakota --
to engage de novo in consumer lending activities.
Permitted, November 14, 1996.

Glacier Bancorp In., Kalispell, Montana -- to acquire
Missoula Bancshares, Inc., Missoula, Montana.
Approved, November 13, 1996.

PLM Newco, L.L.C., Federal Way, Washington -- to
acquire First Community Financial Group, Inc.,
Lacey, Washington.

Returned, November 13, 1996.



SECTION VI - CRA EXAMINATIONS SCHEDULED

Examinations may have to be rescheduled during the calendar quarter in which they are designated
to begin. If an institution’s examination is rescheduled for a date later than the end of the date
range reflected in a published schedule, the institution’s name will be republished in an
appropriate later listing. Any comments received as a result of either the first publication or
subsequent publications will be considered during the examination.

First Community Bank, Conway, Ar.

First State Bank of DeQueen, DeQueen, Ar.
First Bank of Arkansas, Jonesboro, Ar.

Pulaski Bank & Trust Company, Little Rock, Ar.
Effingham State Bank, Effingham, Il.

First State Bank of Red Bud, Red Bud, Il.

Union Bank of Illinois, Swansea, Il.

English State Bank, English, In.

Banker’s Bank of Kentucky, Frankfort, Ky.

Bank of Altenburg, Altenburg, Mo.

Truman Bank, Clayton, Mo.

Lemay Bank and Trust Company, Lemay, Mo.
Bank of Louisiana, Louisiana, Mo.

City Bank and Trust Company of Moberly, Moberly, Mo.
Bank of Ste. Genevieve, Ste. Genevieve, Mo.



Federal Reserve Bank of Chicago

Secti - ications Subj lew
Notice Only
Comment Period
Type Application Ending Date
Branch Lake Forest Bank & Trust Company NP - 12-5-96

Lake Forest, Illinois
911 Sonth Telegraph Road
Lake Forest, Illinois

Branch First American Bank NP - 12-4-96
Carpentersville, Illinois
80 Stratford, Square
Bloomingdale, Illinois

Branch First American Bank NP - 12-4-96
Carpentersville, Illinois
33 South Rand Road
Lake Zurich, Illinois

3(a)(1) Notice St. Cloud Bancshares, Inc. NP - **
St. Cloud, Wisconsin
State Bank of St. Cloud
St. Cloud, Illinois

NP - Newspaper
FR - Federal Register

* - Subject to Provisions of Community Reinvestment Act
** ~ Not available at this time



H.2

NOVEMBER 12, 1996 TO NOVEMBER 16, 1996

PAGE 2

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

REGULATIONS AND POLICIES

SECURITIES REGULATION

Regulation S$ -- amendment regarding Treasury
exemptions under funds transfer recordkeeping rules
(Docket R-0934).

Approved, November 14, 1996.

Joint report on the disclosure of trading and
derivatives activities of banks and securities
firms worldwide issued by the Basle Committee on
Banking Supervision and the Technical Committee of
the International Organization of Securities
Commissions.

Published, November 13, 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
New York
St. Louis

Fifth Third Bank of Kentucky, Inc., Louisville,
Kentucky -- to relocate a branch to Mall
St. Matthews, 5000 Shelbyville Road, from Dupont
Village, 4008 Dutchmans Lane.

Approved, November 13, 1996.

Solvay Bank, Solvay, New York -- to establish a
branch at 4131 West Genesee Street, Camillus, New
York.

Approved, November 13, 1996.

Union Bank of Illinois, Swansea, Illinois -- to
relocate two branches at 200 Collinsville Avenue
and St. Louis Avenue at Eighth Street, East St.
Louis, to one branch at 350 River Park Drive, East
St. Louis, Missouri.

Approved, November 12, 1996.



SECTION VI - CRA EXAMINATIONS SCHEDULED (Ist Qtr. 1997)

Examinations may have to be rescheduled during the calendar quarter in which
they are designated to begin. If an institution’s examination is rescheduled
for a date later than the end of the date range reflected in a published
schedule, the institution’s name will be republished in an appropriate later
listing. Any comments received as a result of either the first publication or

subsequent publications will be considered during the examination.

Bank

Security Bank
Arlington, Texas

Texas Heritage Bank
Hutto, Texas

Texas First Bank
Texas City, Texas

Texas Coastal Bank
Pasadena, Texas

Crowell State Bank
Crowell, Texas

Colorado Valley Bank
LaGrange, Texas

Memphis State Bank
Memphis, Texas

First Bank of Snook
Snook, Texas

Alief Alamo Bank
Houston, Texas



Federal Reserve Bank of Chicago

ti - CRA inations Sc!

The following state member banks are tentatively scheduled for a CRA examination during the first quarter of 1997.
Examinations my have to be rescheduled during the calendar quarter in which they are designated to begin. If an
institution’s examination is scheduled for a date later than the end of the date range reflected in a published schedule,
the institution’s name will be republished in an appropriate later listing. Any comments received as a result of either
the first publication or subsequent publications will be considered during the examination.

CON AMWRYWNS

M&I Bank of Shawano

M&l First American Bank

M&I Central Bank & Trust

M&I Bank South Central

First American Bank

M&I Lake Country Bank

M&I Bank of Racine

First American Bank

M&I Northern Bank

M&I Bank of Menomonee Falls
M&I Bank of Janesville

Farmers & Merchants Bank, The
Comerica Bank

Hinsbrook Bank and Trust
Isabella Bank and Trust

Pullman Bank and Trust Company
Liberty Bank

Farmers Savings Bank

First Bank of Berne

First Bank South

Camp Grove State Bank

Villa Grove State Bank

Pullman Bank of Commerce & Industry
First American Bank of Kankakee
Midwest Guaranty Bank

F&M Bank Northeast

Amcore Bank Aledo

M&l Central State Bank

LaSalle Bank Illinois

Fairmount State Bank, The
LaSalle Bank Illinois

Home Trust and Savings Bank, The
Baylake Bank

Blissfield State Bank, The

Bank of Oakfield

Markesan State Bank

First Commercial Bank, The
M&I Bank Northeast

Capac State Bank

Chemical Bank Michigan

Bank of Lakeview

Bank of America - Illinois

Bank One Champaign-Urbana

Shawano, Wisconsin
Wausau, Wisconsin
Marshfield, Wisconsin
Watertown, Wisconsin
Carpentersville, Hlinois
Hartland, Wisconsin
Racine, Wisconsin
Joliet, Illinois
Brookfield, Wisconsin
Menomonee Falls, Wisconsin
Janesville, Wisconsin
Berlin, Wisconsin
Detroit, Michigan
Willowbrook, Illinois
Mount Pleasant, Michigan
Chicago, Illinois
Milwaukee, Wisconsin
Kalona, Iowa

Berne, Indiana

Dixon, Illinois

Camp Grove, Illinois
Villa Grove, Illinois
Chicago, Illinois
Kankakee, Illinois
Troy, Michigan
Pulaski, Wisconsin
Aledo, Illinois
Oshkosh, Wisconsin
LaSalle, Illinois
Fairmount, Indiana
Franklin Park, Illinois
Osage, Iowa

Baylake, Wisconsin
Blissfield, Michigan
Oakfield, Wisconsin
Markesan, Wisconsin
Chicago, Illinois
Green Bay, Wisconsin
Capac, Michigan
Clare, Michigan
Lakeview, Michigan
Chicago, Illinois
Champaign, Illinois



Federal Reserve Bank of Kansas City

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION COMMENT PERIOD ENDING DATE

None.

APPLICATION COMMENT PERIOD ENDING DATE

Brenda Joan Pace, Pretty Prairie, Kansas, to acquire December 5, 1996
an additional 18.83 percent, for a total of 22.88

percent, and Daniel R. Pace, Pretty Prairie, Kansas, to

acquire a total of 22.88 percent, of the voting shares of

Prairie Bankshares, Inc., Bucklin, Kansas.

Joanne F. Shephard, and Mary K. Gustafson, both of December 5, 1996
Valentine, Nebraska, as co-executrixes to acquire an

additional 53.99 percent, for a total of 69.33 percent,

of the voting shares of Valentine Bancorporation,

Valentine, Nebraska.

Jefferson County Bancshares, Inc., Daykin, Nebraska, December 16, 1996
for prior approval to acquire 38.1 percent of the voting

shares of Antelope Bancshares, Inc., Elgin,

Nebraska. *

The W. Newton Male Revocable Trust, Augusta, Not Available
Kansas, to increase their ownership interest from

23.11 percent to 25.60 percent of the outstanding stock

in Prairie Capital, Inc., Augusta, Kansas.

APPLICATION COMMENT PERIOD ENDING DATE
Nebanco, Inc., Wallace, Nebraska, for prior approval Not Available
to acquire 99,960 shares of common stock of

American Mortgage Company, North Platte,
Nebraska.



Federal Reserve Bank of Chicago

- icati ject
ister Noti nt’
Comment Period
3(a)(1) Liberty Financial Corporation* FR - 11-8-96
West Des Moines, Iowa NP - 11-12-96

L.B.T. Bancorporation
West Des Moines, Iowa
Liberty Bank and Trust
Lake Mills, lowa

B and K Bancorporation
West Des Moines, Iowa
Liberty Bank & Trust
Bloomfield, lowa
Winnebago County Bancorporation
West Des Moines, Iowa
Liberty Bank and Trust
Forest City, Iowa

First Liberty Bancorp
West Des Moines, Iowa
Liberty Bank and Trust
Mason City, Iowa

BW3 Bancorporation

West Des Moines, Iowa
Liberty Bank and Trust Company, N.A.
Pocahantas, Iowa

I.S.B. Bancorporation, Inc.
West Des Moines, Iowa
Liberty Bank and Trust
Woodbine, Iowa

A.B.C. Bancorporation
Tucson, Arizona

Liberty Bank and Trust
Tucson, Arizona

3(a)(3) Columbus Bancorp, Inc.* FR - 11-1-96
Indianapolis, Indiana NP - 11-22-96
Salin Bank and Trust Company

Indianapolis, Indiana



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.

Week Ending November 16, 1996

NAME OF BANK RATING EXAMINATION DATE
None.
SECTION VI

CRA Examinations Scheduled to Begin in First Quarter 1997

Examinations may have to be rescheduled during the calendar quarter in which they are
designated to begin. If an institution's examination is rescheduled for a date later than the end of
the date range reflected in the published schedule, as shown above, the institution's name will be
republished in an appropriate later listing. Any comments received as a result of either the first
publication or subsequent publications will be considered during the examination. Comments
should be sent to the attention of: Ms. Assunta Muglia, Examining Officer, Federal Reserve
Bank of New York. 33 Liberty Street. New York, NY 10045.

BPD International Bank The Chase Manhattan Bank
152 West 57th Street 270 Park Avenue

New York, New York 10019 New York, New York 10017
Great Eastern Bank Solvay Bank

41-48 Main Street 1537 Milton Avenue
Flushing. New York 11355 Solvay, New York 13209

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



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 11/15/96
Section I - Applications Subject to Newspaper Notice Only

Application Comment Period Ending Date
The Vintage Bank, Napa, California, to establish Newspaper: 12/10/96

a branch office at 3626 Bel Aire Plaza, Napa,
California. *

Oak Valley Community Bank, Oakdale, California, Newspaper: 11/30/96
to establish a branch office at 1419 McHenry
Avenue, Modesto, California. *

Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Great Basin Financial Corporation, Elko, Newspaper: Not available
Nevada, to become a bank holding company by
acquiring Great Basin Bank of Nevada, Elko, Fed. Reg.: Not available
Nevada. *
Section III -Applications Subject to Federal Register On]
None

Section IV - Applications Not Subject to Federal Register Notice

or Newspaper Notice (Cont’

None

® Subject to CRA.



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 11/15/96

Section VI - CRA Examinations Scheduled

Pursuant to the requirements of Section 228.45 Regulation BB (Community Reinvestment
Act or CRA), the following is a tentative schedule of CRA examinations planned for the
first quarter of 1997. The data are being provided for your information should you
wish to share comments with this Reserve Bank regarding the CRA performance of a
scheduled bank’s examination.

Examinations may have to be rescheduled during the calendar quarter in which they are
designated to begin. If an institution’s examination is rescheduled for a date later
than the end of the date range reflected in a published schedule, the institution’s
name will be republished in an appropriate later listing. Any comments received as a
result of either the first publication or subsequent publications will be considered
during the examination. Written comments should be directed to W. Gordon Smith at the
Federal Reserve Bank of San Francisco, Division of Banking Supervision and Regulation
(MS 620), 101 Market Street, San Francisco, California 94105.

Name City State
California Center Bank Los Angeles California
California United Bank Encino California
Citizens State Bank Santa Paula California
Cuyamaca Bank Santee California
First Security Bank Las Vegas Nevada
Guardian State Bank Salt Lake City Utah
Humboldt Bank Eureka California
Liberty Bank South San Francisco California
Oregon Pacific Banking Company Florence Oregon
Southern California Bank Anaheim California
U.S. Bank of Idaho Boise Idaho

U.S. Bank of Utah Salt Lake City Utah
Valley Bank of Arizona Phoenix Arizona
Vintage Bank Napa California
Western Security Bank Scottsdale Arizona



FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION VI- CRA EXAM SCHEDULE
an 1,1997 Mar. 9

"Examinations may have to be rescheduled during the calendar
quarter in which they are designated to begin. If an institution's
examination is rescheduled for a date later than the end of the
date range reflected in a published schedule, the institution's
name will be republished in an appropriate later listing. Any
comments received as a result of either the first publication or
subsequent publications will be considered during the examination."

Farmers Trust Bank
817 Cumberland Street
Lebanon, PA 17042

Community Bank & Trust
521 Main Street
Forest City, PA 18421

Johnstown Bank & Trust
532-534 Main Street
Johnstown, PA 15901

First Sterling Bank
80 West Lancaster Avenue
Devon, PA 19333

United Bank of Philadelphia
714 Market Street
Philadelphia, PA 19106

Berks County Bank
400 Washington Street
Reading, PA 19601

Pennsylvania State Bank
2148 Market Street
Camp Hill, PA 17011