Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 43

Week Ending October 24, 1998

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions October 18, 1998 to October 24, 1998

Bank Holding Companies

KeyCorp, Cleveland, Ohio -- to merge with McDonald & Company Investments, 

Inc., Cleveland, Ohio, and acquire its subsidiaries, including McDonald & Company 

Securities, Inc., and to engage in certain nonbanking activities.

- Approved, October 21, 1998 

Travelers Group Inc., New York, New York -- requests by certain commenters for 

reconsideration of the Board's approval of the application to acquire Citicorp.

- Denied, October 20, 1998 

Regulations And Policies

Basle Committee on Banking Supervision -- issuance of a paper entitled Sound 

Practices for Loan Accounting, Credit Risk Disclosure and Related Matters.

- Published, October 19, 1998 

Reserve Bank Operations

Directors -- appointment of Chairmen and Deputy Chairmen of the 12 Federal 

Reserve Banks for 1999.

- Announced, October 19, 1998 

Securities Regulation

Over-the-counter stocks -- revised list of OTC stocks subject to margin requirements 

and a list of foreign margin stocks.

- Published, October 23, 1998 

(AC) = Addition or Correction Board - Page 1 of 1
October 18, 1998 to October 24, 1998

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

Farmers and Merchants Bank of Rockford, Spokane, Washington -- to establish a 

branch at 508 West Third.

- Approved, October 19, 1998 

San Francisco

Farmers State Bank of West Concord, West Concord, Minnesota -- to establish a 

branch at 37612 Goodhue Avenue, Dennison, Minnesota.

- Approved, October 21, 1998 

Minneapolis

First Colonial Bank, Hopewell, Virginia -- to establish a branch at 2141 East 

Hundred Road, Chester, Virginia.

- Approved, October 19, 1998 

Richmond

First Virginia Bank-Blue Ridge, Staunton, Virginia -- to establish a branch in the WalMart SuperCenter at 461 West Reservoir Road, Woodstock, Virginia.

- Approved, October 20, 1998 

Richmond

G.W. Jones Exchange Bank, Marcellus, Michigan -- to establish a branch at 69139 

M-62 South, Edwardsburg, Michigan.

- Approved, October 22, 1998 

Chicago

Harris Trust/Bank of Montreal, West Palm Beach, Florida -- to establish a branch at 

2940 Cardinal Drive, Vero Beach, Florida.

- Approved, October 22, 1998 

Atlanta

King George State Bank, Inc., King George, Virginia -- to establish a branch at 

James Madison Parkway, northwest of the intersection with County Road 614.

- Approved, October 23, 1998 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 14
H.2 Actions under delegated authority October 18, 1998 to October 24, 1998

Bank Branches, Domestic

Lemay Bank and Trust Company, St. Louis, Missouri -- to establish a branch at 

13457 Tesson Ferry Road, Suite 10.

- Approved, October 19, 1998 

St. Louis

Pinnacle Bank, Papillion, Nebraska -- to establish a branch at 4250 South 143rd 

Street, Omaha, Nebraska.

- Approved, October 19, 1998 

Kansas City

Riverside Bank of the Gulf Coast, Cape Coral, Florida -- to establish a branch at 

3405 Hancock Bridge Parkway, North Fort Myers, Florida.

- Approved, October 19, 1998 

Atlanta

Texas Bank, Weatherford, Texas -- to establish a branch at 2625 South Hulen Street, 

Fort Worth, Texas.

- Approved, October 19, 1998 

Dallas

Texas Bank, Weatherford, Texas -- to establish a branch at 1601 West Randall Mill 

Road, Arlington, Texas.

- Approved, October 23, 1998 

Dallas

Bank Holding Companies

Associated Banc-Corp., Green Bay, Wisconsin -- to acquire Citizens Bankshares, 

Inc., Shawano, Wisconsin, Citizens Bank, National Association; Wisconsin Finance 

Corporation; and Citizens Financial Services, Inc.

- Approved, October 23, 1998 

Chicago

Bank at Ormond-by-the-Sea, Ormond Beach, Florida -- waiver of application to 

acquire Northside Bank of Tampa, Tampa, Florida.

- Granted, October 23, 1998 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 14
H.2 Actions under delegated authority October 18, 1998 to October 24, 1998

Bank Holding Companies

Bank of New York Company, Inc., New York, New York -- to acquire through 

Bank of New York Capital Markets, Inc., the assets and certain liabilities of Patricof 

& Co. Capital Corp., and engage in merger and acquisition advising and other related 

activities.

- Approved, October 20, 1998 

New York

Banknorth Group, Inc., Burlington, Vermont -- to acquire shares of Evergreen 

Bancorp, Inc., Glens Falls, New York, and acquire Evergreen Bank, N.A.

- Approved, October 22, 1998 

Boston

Belvedere Capital Partners, Inc., San Francisco, California; California Community 

Financial Institutions Fund Limited Partnership; and California Financial Bancorp, 

Newport Beach, California -- to merge with Downey Bancorp, Downey, California, 

and acquire Downey National Bank and The Bank of Orange County, Fountain 

Valley, California.

- Approved, October 21, 1998 

San Francisco

Britton & Koontz Capital Corporation, Natchez, Mississippi -- to acquire an interest 

in InterBank Systems, Inc., and engage in data processing activities.

- Approved, October 22, 1998 

Atlanta

Bugbee Family Limited Partnership, Leawood, Kansas -- to acquire shares of Quinter 

Insurance Service, Inc., Quinter, Kansas, and acquire First National Bank.

- Approved, October 22, 1998 

Kansas City

Campbell Family Limited Partnership, Dunseith, North Dakota -- to acquire Security 

Bancshares, Inc.

- Withdrawn, October 22, 1998 

Minneapolis

(AC) = Addition or Correction Delegated - Page 3 of 14
H.2 Actions under delegated authority October 18, 1998 to October 24, 1998

Bank Holding Companies

Capital City Bank Group, Inc., Tallahassee, Florida -- to purchase the assets and 

assume the liabilities of eight branches of First Union National Bank, Charlotte, 

North Carolina, and establish branches at the current sites of the First Union 

branches.

- Approved, October 20, 1998 

Secretary

Central Bancshares, Inc., Cambridge, Nebraska -- to acquire First Central Bank 

McCook, N.A., McCook, Nebraska.

- Approved, October 21, 1998 

Kansas City

Compass Bancshares, Inc., Birmingham, Alabama -- to acquire Arizona Bank, 

Tucson, Arizona.

- Approved, October 23, 1998 

Secretary

Dresdner Bank Ag, Frankfurt, Germany -- to acquire through Dresdner RCM Global 

Investors LLC, San Francisco, California, Caywood-Scholl Capital Management, 

San Diego, California, and engage in certain investment activities.

- Approved, October 19, 1998 

New York

First Financial Bancshares, Inc., Abilene, Texas -- to acquire Cleburne State Bank, 

Cleburne, Texas.

- Approved, October 21, 1998 

Dallas

First Frederick Financial Corporation, Frederick, Maryland -- to engage in data 

processing activities through the installation of cash dispensing machines in retail 

stores.

- Approved, October 23, 1998 

Richmond

(AC) = Addition or Correction Delegated - Page 4 of 14
H.2 Actions under delegated authority October 18, 1998 to October 24, 1998

Bank Holding Companies

First Washington Bancshares, Inc., Walla Walla, Washington -- to merge with 

Whatcom State Bancorp, Bellingham, Washington, and acquire First Whatcom Bank, 

Ferndale, Washington.

- Approved, October 22, 1998 

San Francisco

First Western Bancorp, Inc., Huron, South Dakota -- to acquire the assets of 

Northern Hills Insurance, LLC, Belle Fourche, South Dakota, and engage in 

insurance agency activities in a town with a population of less than 5000. 

- Approved, October 19, 1998 

Minneapolis

Heritage Commerce Corp, San Jose, California -- to acquire Heritage Bank East 

Bay, Fremont, California

- Approved, October 21, 1998 

San Francisco

Lamar Trust Bancshares, Inc., Lamar, Missouri -- to acquire shares of University 

National Bancshares, Inc., Pittsburg, Kansas.

- Withdrawn, October 22, 1998 

Kansas City

Marin National Bancorp, San Rafael, California -- to acquire First National Interim 

Bank of Marin, Las Vegas, Nevada, and relocate from San Rafael to Las Vegas.

- Approved, October 19, 1998 

San Francisco

Marine Bancshares, Inc., Marine on St. Croix, Minnesota -- to acquire Security State 

Bank of Marine.

- Approved, October 21, 1998 

Minneapolis

NationsBank Corporation, Charlotte, North Carolina -- request for relief from a 

commitment made in connection with its application to acquire Barnett Banks, Inc., 

Jacksonville, Florida, to permit additional time to divest one branch.

- Granted, July 8, 1998 (AC)

Director, BS&R

(AC) = Addition or Correction Delegated - Page 5 of 14
H.2 Actions under delegated authority October 18, 1998 to October 24, 1998

Bank Holding Companies

Ottawa Bancshares, Inc., Ottawa, Kansas -- to merge with First State Management, 

Inc., Salina, Kansas.

- Approved, October 21, 1998 

Kansas City

Perry Banking Company, Perry, Florida -- to engage in lending activities.

- Approved, October 22, 1998 

Atlanta

Republic Security Financial Corporation, West Palm Beach, Florida -- waiver of 

application to acquire Newberry Bank, Newberry, Florida.

- Granted, October 21, 1998 

Atlanta

Robinson Bancshares, Inc., Lenox, Georgia -- to acquire Bank of Lenox.

- Approved, October 21, 1998 

Atlanta

SunTrust Banks, Inc., Atlanta, Georgia, and SunTrust Bank -- request for relief from 

certain commitments.

- Granted, October 16, 1998 (AC)

Director, BS&R

Tampa State Bankshares, Inc., Tampa, Kansas -- to acquire shares of Tampa 

Townhomes, L.L.C., and engage in financing and investing in community 

development activities.

- Approved, October 22, 1998 

Kansas City

Travelers Rest Bancshares, Inc., Travelers Rest, South Carolina -- to acquire Bank 

of Travelers Rest.

- Approved, October 22, 1998 

Richmond

(AC) = Addition or Correction Delegated - Page 6 of 14
H.2 Actions under delegated authority October 18, 1998 to October 24, 1998

Bank Holding Companies

United Financial Corp., Great Falls, Montana -- to acquire shares of Valley Bancorp, 

Inc., Phoenix, Arizona.

- Approved, October 22, 1998 

Minneapolis

Western Reserve Bancorp, Inc., Medina, Ohio -- to acquire Western Reserve Bank.

- Approved, October 23, 1998 

Cleveland

Zions Bancorporation, Salt Lake City, Utah, and Val-Cor Bancorporation, Inc., 

Denver, Colorado -- determination that an application is not required to acquire 

Citizens Bank, Inc., Westminster, Colorado. 

- Granted, October 20, 1998 

Secretary

Bank Mergers

Comerica Bank, Detroit, Michigan -- to merge with Comerica Bank & Trust, F.S.B., 

Boca Raton, Florida, and establish four branches.

- Approved, October 19, 1998 

Chicago

Pinnacle Bank, St. Joseph, Michigan -- to merge with Citizens National Bank of 

Evansville, Evansville, Indiana; Citizens Bank of Southern Indiana, Tell City; Citizens 

Bank of Western Indiana, Terre Haute; Citizens Bank of Kentucky, Madisonville, 

Kentucky; Citizens Bank of Central Indiana, Greenwood, Indiana; Citizens Bank of 

Illinois, N.A., Mount Vernon, Illinois; and Citizens Trust Company of Indiana, 

National Association, Evansville, Indiana, and to establish branches.

- Returned, October 21, 1998 

Chicago

Republic Security Bank, West Palm Beach, Florida -- to merge with Newberry Bank, 

Newberry, Florida.

- Approved, October 21, 1998 

Atlanta

(AC) = Addition or Correction Delegated - Page 7 of 14
H.2 Actions under delegated authority October 18, 1998 to October 24, 1998

Banks, Nonmember, And Miscellaneous Institutions

Houston Energy Credit Union, Houston, Texas -- deregistration under Regulation U.

- Approved, October 19, 1998 

Dallas

Banks, State Member

AmSouth Bank, Birmingham, Alabama -- to retain certain deposits of the former 

AmSouth Bank of Tennessee, Chattanooga, Tennessee.

- Approved, October 22, 1998 

Secretary

Farmers State Bank of West Concord, West Concord, Minnesota -- to purchase 

certain assets and assume certain liabilities of the Dennison, Minnesota, office of 

Eagle Valley Bank, N.A., St. Croix Falls, Wisconsin.

- Approved, October 21, 1998 

Minneapolis

River Valley Bank & Trust, Lavaca, Arkansas -- payment of a dividend.

- Approved, October 21, 1998 

St. Louis

Change In Bank Control

Central Bancorporation, Provo, Utah -- change in bank control.

- Permitted, October 21, 1998 

San Francisco

Community Bancorporation, Bellville, Texas -- change in bank control.

- Permitted, October 19, 1998 

Dallas

Jamestown Bancorp, Inc., Jamestown, Kentucky -- change in bank control.

- Permitted, October 20, 1998 

St. Louis

Sherwood Banc Corporation, Sherwood, Ohio -- change in bank control.

- Permitted, October 23, 1998 

Cleveland

(AC) = Addition or Correction Delegated - Page 8 of 14
H.2 Actions under delegated authority October 18, 1998 to October 24, 1998

Competitive Factors Reports

Alabama National BanCorporation, Birmingham, Alabama -- report on competitive 

factors of the proposed acquisition of Community Bank of Naples, N.A., Naples, 

Florida.

- Submitted, October 21, 1998 

Atlanta

Bank of Hemet, Hemet, California -- report on competitive factors of the proposed 

merger with PCBG Merger Corporation, Laguna Hills, California.

- Submitted, October 20, 1998 

San Francisco

Bank of Newport, Newport, Oregon -- report on competitive factors of the proposed 

merger with Bank of Vancouver, Vancouver, Washington; Centennial Bank, 

Olympia, Washington; and The Commercial Bank, Salem, Oregon.

- Submitted, October 20, 1998 

San Francisco

Buena Vista National Bank of Chester, Chester, Illinois -- report on competitive 

factors of the proposed merger with Bank of Evansville, Evansville, Illinois.

- Submitted, October 23, 1998 

St. Louis

Citizens Bank, Vienna, Georgia -- report on competitive factors of the proposed 

merger with Empire Banking Company, Homerville, Georgia.

- Submitted, October 9, 1998 (AC)

Atlanta

Commerce Bank, N.A., Kansas City, Missouri -- report on competitive factors of the 

proposed merger with Heritage Bank, Olathe, Kansas.

- Submitted, October 22, 1998 

Kansas City

Commerce Bank, N.A., Kansas City, Missouri -- report on competitive factors of the 

proposed merger with Fidelity State Bank, Garden City, Kansas.

- Submitted, October 22, 1998 

Kansas City

(AC) = Addition or Correction Delegated - Page 9 of 14
H.2 Actions under delegated authority October 18, 1998 to October 24, 1998

Competitive Factors Reports

East-West Bank, San Marino, California -- report on competitive factors of the 

proposed acquisition of East West Merger Co., Inc.

- Submitted, October 21, 1998 

San Francisco

First Citizens Bank, Newnan, Georgia -- report on competitive factors of the 

proposed purchase of the assets and assumption of the liabilities of the Newnan, 

Fayetteville, and Stockbridge, Georgia, branches of Community First Bank, 

Carrollton, Georgia.

- Submitted, October 21, 1998 

Atlanta

First Community Bank, Knob Noster, Missouri -- report on competitive factors of 

the proposed merger with First Community Bank, FCB, Sweet Springs, Missouri.

- Submitted, October 22, 1998 

Kansas City

First National Bank, Midwest City, Oklahoma -- report on competitive factors of the 

proposed merger with Harrah Interim Bank, Harrah, Oklahoma.

- Submitted, October 23, 1998 

Kansas City

Frontier Bank, Everett, Washington -- report on competitive factors of the proposed 

merger with Bank of Sumner, Sumner, Washington.

- Submitted, October 21, 1998 

San Francisco

Jefferson Savings & Loan Association, F.A., Ballwin, Missouri -- report on 

competitive factors of the proposed merger with First Federal Savings Bank of North 

Texas, Denton, Texas.

- Submitted, October 23, 1998 

St. Louis

New Northern State Bank, Ashland, Wisconsin -- report on competitive factors of 

the proposed merger with Northern State Bank.

- Submitted, October 22, 1998 

Minneapolis

(AC) = Addition or Correction Delegated - Page 10 of 14
H.2 Actions under delegated authority October 18, 1998 to October 24, 1998

Competitive Factors Reports

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

the proposed merger with Mountain Bank, Eagle, Colorado.

- Submitted, October 22, 1998 

Kansas City

Norwest Bank New Mexico, N.A., Albuquerque, New Mexico -- report on 

competitive factors of the proposed merger with The Bank of New Mexico, 

Albuquerque, New Mexico.

- Submitted, October 23, 1998 

Kansas City

Norwest Bank Texas, N.A., San Antonio, Texas -- report on competitive factors of 

the proposed acquisition of the main office and 47 branches of First State Bank, 

Austin, Texas.

- Submitted, October 20, 1998 

Dallas

Norwest Bank Wisconsin, National Association, Milwaukee, Wisconsin -- report on 

competitive factors of the proposed merger with MidAmerica Bank North, Phillips, 

Wisconsin, and MidAmerica Bank, Dodgeville, Wisconsin.

- Submitted, October 20, 1998 

Secretary

Norwest Bank Wisconsin, National Association, Milwaukee, Wisconsin -- report on 

competitive factors of the proposed purchase of certain assets and assumption of 

certain liabilities of two branches of TCF National Bank Wisconsin.

- Submitted, October 20, 1998 

Secretary

Sanborn Savings Bank, Sanborn, Iowa -- report on competitive factors of the 

proposed acquisition of the assets and assumption of the liabilities of the Sanborn 

branch of First Federal Savings Bank of Siouxland, Sioux City, Iowa.

- Submitted, October 22, 1998 

Chicago

(AC) = Addition or Correction Delegated - Page 11 of 14
H.2 Actions under delegated authority October 18, 1998 to October 24, 1998

Competitive Factors Reports

SouthTrust Bank, National Association, Birmingham, Alabama -- report on 

competitive factors of the proposed acquisition by merger of First American Bank of 

Indian River County, Vero Beach, Florida.

- Submitted, October 22, 1998 

Secretary

State Bank of Lonsdale, Lonsdale, Minnesota -- report on competitive factors of the 

proposed merger with Citizens State Bank of Montgomery, Montgomery, Minnesota.

- Submitted, October 22, 1998 

Minneapolis

Union Bank & Trust, Denver, Colorado -- report on competitive factors of the 

proposed merger with Lakewood State Bank, Lakewood, Colorado.

- Submitted, October 23, 1998 

Kansas City

United Community Bank, Milford, Iowa -- report on competitive factors of the 

proposed acquisition of the assets and assumption of the liabilities of the Hartley, 

Iowa, branch of First Federal Savings Bank of Siouxland, Sioux City, Iowa.

- Submitted, October 22, 1998 

Chicago

Valley Bank & Trust Company, Scottsbluff, Nebraska -- report on competitive 

factors of the proposed merger with Wauneta Falls Bank, N.A., Wauneta, Nebraska, 

and Ogallala National Bank, Ogallala, Nebraska.

- Submitted, October 23, 1998 

Kansas City

Valley Bank, Moreno Valley, California -- report on competitive factors of the 

proposed merger with PCBG Valley Bancorporation, Laguna Hills, California.

- Submitted, October 20, 1998 

San Francisco

(AC) = Addition or Correction Delegated - Page 12 of 14
H.2 Actions under delegated authority October 18, 1998 to October 24, 1998

Extensions Of Time

Community Bank Minnesota Employee Stock Ownership Plan, Owatonna, 

Minnesota -- extension to January 24, 1999, to increase its ownership interest in 

Owatonna Bancshares, Inc.

- Granted, October 23, 1998 

Minneapolis

Cortez Investment Co., Cortez, Colorado -- extension to October 15, 1999, to 

acquire The Citizens State Bank of Cortez.

- Granted, October 19, 1998 

Kansas City

Employee Stock Ownership Trust of Peoples Bank and Trust Company of Pickett 

County, Byrdstown, Tennessee -- extension to January 29, 1999, to acquire shares of 

Upper Cumberland Bancshares, Inc.

- Granted, October 21, 1998 

Atlanta

Plymouth Bancorp, Inc., Wareham, Massachusetts -- extension to December 31, 

1998, to become a mutual bank holding company through the reorganization of 

Plymouth Savings bank.

- Granted, September 22, 1998 (AC)

Boston

Membership

Lakeland Community Bank, Round Lake Heights, Illinois -- to become a member of 

the Federal Reserve System.

- Approved, October 23, 1998 

Chicago

McKenzie State Bank, Springfield, Oregon -- to become a member of the Federal 

Reserve System.

- Approved, October 21, 1998 

San Francisco

(AC) = Addition or Correction Delegated - Page 13 of 14
H.2 Actions under delegated authority October 18, 1998 to October 24, 1998

Membership

Pinnacle Bank, St. Joseph, Michigan -- to become a member of the Federal Reserve 

System.

- Returned, October 21, 1998 

Chicago

Sun City Bank, Sun City, Arizona -- membership in the Federal Reserve System.

- Withdrawn, October 21, 1998 

San Francisco

Western Reserve Bank, Medina, Ohio -- to become a member of the Federal Reserve 

System.

- Approved, October 23, 1998 

Cleveland

(AC) = Addition or Correction Delegated - Page 14 of 14
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, October 24, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) State Street Corporation, Boston, Massachusetts – notification to

engage de novo and through acquisition in certain nonbanking

activities through State Street Financial Markets LLC

Fed Reg – 11/09/1998

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, October 24, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch European American Bank, Uniondale, New York, to establish a

branch at 1487 Southern Boulevard, Bronx County, New York.*

11/20/1998

* 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

4(c)(8) Warwick Community Bancorp, Inc., sole shareholder of The

Warwick Savings Bank, both of Warwick, New York, to acquire

more than 5 percent but less than 10 percent of the outstanding

shares of the common stock of GSB Financial Corporation, the

sole shareholder of Goshen Savings Bank, both of Goshen, New

York.*

Newspaper – 11/07/1998

Fed Reg – 11/05/1998

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Deutsche Bank AG, Frankfurt (Main), Federal Republic of

Germany, to acquire and retain direct or indirect ownership,

control and power to vote up to 100 percent of the voting shares

of Boullioun Aviation Services, Inc., Bellevue, Washington.

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

Type Application

25 Republic International Bank of New York (Miami), Miami,

Florida, to make an indirect investment in Republic National

Bank of New York (Uruguay) S.A., Montevideo, Uruguay.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, October 24, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) & 3(a)(5) Harleysville National Corporation, Harleysville, PA, to acquire

Northern Lehigh Bancorp, Inc., Slatington, PA, and its

subsidiary The Citizens National Bank of Slatington, Slatington,

PA.

Newspaper: N/Avail

Fed Reg: 11/20/1998

CIC First Washington Financial Corp, Messrs. Michael Levin,

Raymond Shea, and Steve Pfeffer, to purchase up to 11.4% of

First Washington Financial Corp., Windsor, NJ

Newspaper: N/Avail

Fed Reg: 11/11/1998

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, October 24, 1998

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

Regulation K Notification filed by National City Corporation, Cleveland, OH

on behalf of its affiliate, National City Bank of

Michigan/Illinois, Bannockburn, IL , on October 19, 1998, to

establish a branch in Grand Cayman, Cayman Islands, British

West Indies.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, October 24, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Anchor Financial Corporation, Myrtle Beach, South Carolina, to

merge with Bailey Financial Corporation, Clinton, South

Carolina.*

Fed Reg – 11/20/1998

Newspaper – N/Avail

3(a)(1) Capital Bank Corporation, Raleigh, North Carolina, to become a

bank holding company through the acquisitions of Capital Bank,

Raleigh, North Carolina, and Home Savings Bank of Siler City,

Inc., SSB, Siler City, North Carolina.*

Fed Reg – 11/20/1998

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

8631 Pleasants County Bank

323 2nd Street

St. Marys, West Virginia 26170

08/10/1998 10/21/1998 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, October 24, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch

Branch

Branch

Republic Security Bank, West Palm Beach, Florida, to establish

a branch located at 2323 N.W. 13th Street, Gainesville, Florida.

Republic Security Bank, West Palm Beach, Florida, to establish

a branch located at 831 N.E. 8th Street, Homestead, Florida.

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

7524 Roswell Road, Atlanta, Georgia, to be known as the

Trowbridge Crossing Office.

10/29/1998*

10/29/1998*

10/30/1998*

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) INSOUTH Florida, Inc., Naples, Florida, to become a bank

holding company by acquiring First Western Bank, Cooper City,

Florida.

N/Avail*

 CIC Skylake Bankshares, Inc., Miami Lakes, Florida, after-the-fact

notification by Mr. William Biggs to retain 25.6 percent of the

outstanding shares of Skylake Bankshares, Inc., Miami Lakes,

Florida.

Newspaper - 11/12/1998*

3(a)(5) PAB Bankshares, Inc., Valdosta, Georgia, to merge with Eagle

Bancorp, Inc., Statesboro, Georgia, and thereby directly acquire

its subsidiary, Eagle Bank and Trust, Statesboro, Georgia.

Fed Reg - 11/19/1998*

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

4(c)(8) Perry Banking Company, Perry, Florida, to engage de novo in

making, acquiring, brokering, or servicing loans or other

extensions of credit.

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

1160309 First Commercial Bank

of Cullman County

101 First Avenue, N.W.

Good Hope, Alabama 35055

(205) 737-9900

07/13/1998 10/20/1998 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, October 24, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) &

Branches

Comerica Bank

Detroit, Michigan

 Comerica Bank & Trust, F.S.B.

 Boca Raton, Florida

 thereby to establish 4 branches

Newspaper – 10/09/1998

Newspaper - Newspaper Comment Period Ending Date

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

Type Application

Ending date of

comment period

3(a)(1) Clarkston Financial Corporation*

Clarkston, Michigan

 Clarkston State Bank (in organization)

 Clarkston, Michigan

Fed Reg – 11/02/1998

Newspaper – 10/31/1998

CIC Arneson Bancshares, Inc.

Clear Lake, Iowa

 By Robert C. Arneson and Amy J. Hewitt

Fed Reg – 11/06/1998

Newspaper – N/Avail

3(a)(3) Capitol Bancorp Limited*

Lansing, Michigan

 Sunrise Bank of Arizona (in organization)

 Phoenix, Arizona

Fed Reg – 11/13/1998

Newspaper – N/Avail

3(a)(3) Sun Community Bancorp Limited*

Phoenix, Arizona

 Sunrise Bank of Arizona (in organization)

 Phoenix, Arizona

Fed Reg 11/13/1998

Newspaper – N/Avail

3(a)(3) Great River Banshares Corporation*

Burlington, Iowa

 Central South Bancorporation, Inc.

 Indianola, Iowa

 Peoples Savings Bank (in organization)

 Indianola, Iowa

Fed Reg – 10/26/1998

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

Type Application

Ending date of

comment period

3(a)(3) FBOP Corporation*

Oak Park, Illinois

 Pullman Group, Inc.

 Chicago, Illinois

 Pullman Bank and Trust Company

 Chicago, Illinois

Fed Reg – 11/20/1998

Newspaper – N/Avail

4(c)(8) FBOP Corporation

Oak Park, Illinois

 Calumet Bancorp, Inc.

 Dolton, Illinois

 Calumet Federal Savings and Loan Association

 Chicago, Illinois

Fed Reg – 11/20/1998

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

991135 State Bank of Geneva

22 S. 4th Street

Geneva, Illinois 60134-2109

(630) 232-3200

06/08/1998 10/23/1998 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, October 24, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) *Notice by Farmers & Merchants Bank, Hannibal, Missouri, to

merge with F & M Interim Bank, Hannibal, Missouri.

Newspaper – 11/19/1998

* 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

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

SMBOTH Notice by River Valley Bank & Trust, Lavaca, Arkansas, to

make a dividend payment.

Not applicable
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, October 24, 1998

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) Palmer Bancshares, Inc., Kasson, Minnesota, for prior approval

to become a bank holding company through the acquisition of

100% of the voting shares of Kasson State Bank, Kasson,

Minnesota.*

Fed Reg – 11/12/1998

*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

2144216 Minnesota BANKFIRST

Minneapolis, Minnesota

07/06/1998 10/23/1998 SN X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, October 24, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Eaton Bank, Eaton, Colorado, to establish a branch at 3598 State

Highway 119, Longmont, Colorado.

Newspaper – 10/15/1998

18(c) / Branch Chickasha Bank & Trust Company, Chickasha, Oklahoma, for

prior approval to merge with Cement Bank, Cement, Oklahoma,

and incident thereto, establish an additional branch.

Newspaper – 11/18/1998

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

Type Application

Ending date of

comment period

3(a)(3) Chickasha Bancshares, Chickasha, Oklahoma, for prior approval

to acquire 100 percent of the voting shares of Cement Insurance

Agency, Inc., Cement, Oklahoma; and thereby indirectly acquire

Cement Bank, Cement, Oklahoma.

Newspaper – 11/18/1998

Fed Reg – N/Avail

3(a)(3) Community Bancshares ESOP, Neosho, Missouri, for prior

approval to acquire 21.72 , for pro forma total of 50 percent, of

the voting shares of Community Bancshares, Inc., Neosho,

Missouri; and thereby indirectly acquire Community Bank &

Trust, Neosho, Missouri.

Newspaper – 11/07/1998

Fed Reg – 11/06/1998

3(a)(3) First National Bancshares ESOP & 401K, Goodland, Kansas, for

prior approval to acquire up to 50.1 percent of the voting shares

of First National Bancshares, Inc., Goodland, Kansas; and

thereby indirectly acquire First National Bank, Goodland,

Kansas.

Newspaper – N/Avail

Fed Reg – 11/12/1998

3(a)(3) FirstBank Holding Company of Colorado, ESOP, Lakewood,

Colorado, for prior approval to acquire up to 26.86 percent of

the voting shares of FirstBank Holding Company of Colorado,

Lakewood, Colorado; and thereby indirectly acquire FirstBank,

Littleton, Colorado; FirstBank of Arvada, Arvada, Colorado;

FirstBank of Aurora, Aurora, Colorado; FirstBank of Avon,

Avon, Colorado; FirstBank of Boulder, Boulder, Colorado;

FirstBank of Breckenridge, Breckenridge, Colorado; FirstBank

of Douglas Country, Castle Rock, Colorado; FirstBank of

Newspaper – N/Avail

Fed Reg – 11/19/1998
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

Colorado Springs, Colorado; FirstBank of Cherry Creek,

Denver, Colorado; FirstBank of Denver, Denver, Colorado;

FirstBank of Longmont, Longmont, Colorado; FirstBank of

Evergreen, Evergreen, Colorado; FirstBank of Northern

Colorado, Fort Collins, Colorado; FirstBank of Greeley,

Greeley, Colorado; FirstBank of Tech Center, Englewood,

Colorado; FirstBank of Colorado, Lakewood, Colorado;

FirstBank of South Jeffco, Littleton, Colorado, FirstBank of

Lakewood, Lakewood, Colorado; FirstBank of Arapahoe

County, Littleton, Colorado; FirstBank of Parker, Parker,

Colorado; FirstBank of Silverthorne, Silverthorne, Colorado;

FirstBank of Vail, Vail, Colorado; FirstBank North,

Westminster, Colorado; FirstBank of Wheat Ridge, Wheat

Ridge, Colorado.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Gold Bancorporation, Inc., Leawood, Kansas, for prior approval

to acquire 100 percent of the voting shares of The Trust

Company, St. Joseph, Missouri, and thereby indirectly engage in

trust company activities.

Fed Reg – 11/05/1998

4(c)(8) BOK Financial Corporation, Tulsa, Oklahoma, to engage de

novo through its subsidiary, BOSC, Inc., Tulsa, Oklahoma

(formerly known as Alliance Securities, Inc.), in expanding the

types of securities it has authority to underwrite to include Tier 2

level underwriting and dealing authority. This authority covers

all types of debt and equity securities, including without

limitation, sovereign debt securities, corporate debt, debt

securities convertible into equity securities, and securities issued

by a trust or other vehicle secured by or representing interests in

debt obligations; and underwriting equity securities, including

without limitation, common and preferred stock, American

Depositary Receipts, and other direct and indirect equity

ownership interests in corporations and other entities activities;

see J.P. Morgan & Co., Inc., 75 Fed. Res. Bull. 192 (1989).

Fed Reg – 11/09/1998
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

Membership Pioneer Bank & Trust Company, Ponca City, Oklahoma, 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

236751 First State Bank of Taos

120 W. Plaza

Taos, New Mexico 87571

7/13/1998 10/21/1998 S X

504955 Farmers State Bank & Trust

Company

410 N. Washington

Lexington, Nebraska 68850

8/10/1998 10/22/1998 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, October 24, 1998

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) Nixon Bancshares, Inc., Nixon, TX, to acquire

Nixon Delaware Bancshares, Inc., Dover, DE, and

Nixon State Bank, Nixon, TX*

Fed Reg – 11/20/1998

Newspaper – N/Avail

3(a)(1) Nixon Delaware Bancshares, Inc., Dover, DE, to acquire

Nixon State Bank, Nixon, TX*

Fed Reg – 11/20/1998

Newspaper – N/Avail

3(a)(3) Henderson Citizens Bancshares, Inc., Henderson, TX, and

Henderson Citizens Delaware Bancshares, Inc., Dover, DE,

to acquire Jefferson National Bank, Jefferson, TX*

Fed Reg – 11/19/1998

Newspaper – 11/20/1998

3(a)(3) South Plains Financial, Inc., Lubbock, TX, to acquire

West Texas National Bancshares, Inc., Lockney, TX,

First National Bank of Lockney, Lockney, TX, and

First State Bank, Silverton, TX*

(Previously reported the week ending October 17, 1998)

Fed Reg – 11/16/1998

Newspaper – 11/07/1998

* 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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, October 24, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Norwest Corporation, Minneapolis, Minnesota, to acquire

Metropolitan Bancshares, Inc., Aurora, Colorado, and its

wholly-owned subsidiary, Community Bank of Parker, Parker,

Colorado. *

Newspaper – 11/20/1998

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

None

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

Type Application

3(a)(5)(C) Valley National Corporation, to become a bank holding

company by acquiring Valle de Oro Bank, N.A., both of Spring

Valley, California.

Waiver First Security Corporation, Salt Lake City, Utah, requests a

waiver of any Bank Holding Company Act application

requirement in connection with its proposed acquisition of

Marine National Bank, Irvine, California.
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