Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 47

Week Ending November 18, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions November 12, 2000 to November 18, 2000

Regulations And Policies

Regulation D -- final rule implementing the annual adjustment of the low reserve tranche 

and reserve requirement exemption for 2001 and announcing the deposit reporting cutoff 

levels effective beginning in September 2001.

- Approved, November 13, 2000 

(AC) = Addition or Correction Board - Page 1 of 1
November 12, 2000 to November 18, 2000

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulatio

Consumer and Community Affai

Federal Open Market Committ

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Managemen

H.2 Actions under delegated authority

Bank Branches, Domestic

AmSouth Bank, Birmingham, Alabama -- to establish branches at 8620 Citrus Park 

Drive, Tampa, Florida; 24870 South Tamiami Trail, Bonita Springs; and 570 Blanding 

Boulevard, Orange Park.

- Approved, November 17, 2000 

Secretary

Bank of Northumberland, Incorporated, Heathsville, Virginia -- to establish a branch at 

437 North Main Street, Kilmarnock.

- Approved, November 15, 2000 

Richmond

Community Banks of Southern Colorado, Rocky Ford, Colorado -- to establish a branch 

at the corner of Idaho Street and State Highway 96, Ordway.

- Approved, November 14, 2000 

Kansas City

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish a branch at W62 

N209 Washington Avenue, Cedarburg.

- Approved, November 17, 2000 

Chicago

Palm Beach County Bank, Boynton Beach, Florida -- to establish a branch at 5899 Lake 

Worth Road, Greenacres.

- Approved, November 15, 2000 

Atlanta

The Peoples Bank and Trust Company, Selma, Alabama -- to establish a branch at 429 

North Dean Street, Auburn.

- Approved, November 15, 2000 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority November 12, 2000 to November 18, 2000

Bank Branches, Domestic

Pinnacle Bank, Papillion, Nebraska -- to establish a branch at 27th and Fletcher Streets, 

Lincoln.

- Approved, November 17, 2000 

Kansas City

Rockingham Heritage Bank, Harrisonburg, Virginia -- to establish a branch at 1406 

Greenville Avenue, Staunton.

- Approved, November 16, 2000 

Richmond

Bank Holding Companies

BB&T Corporation, Winston-Salem, North Carolina -- to merge with FirstSpartan 

Financial Corp., Spartanburg, South Carolina.

- Approved, November 17, 2000 

Richmond

Berkshire Bancorporation, New York, New York -- waiver of application requirement in 

connection with the proposed merger of Berkshire Bancorporation's subsidiary bank, The 

Berkshire Bank, with Goshen Savings Bank, Goshen, and the proposed merger with 

Goshen Savings Bank's parent holding company, GSB Financial Corporation.

- Granted, October 31, 2000 (AC)

New York

Community Bancshares Company, Colfax, Louisiana -- to become a bank holding 

company through the acquisition of Colfax Banking Company.

- Approved, November 17, 2000 

Dallas

ENB Bankshares, Inc., Dallas, Texas -- to become a bank holding company through the 

acquisition of ENB Delaware Bankshares, Inc., Wilmington, Delaware, and Eagle 

National Bank, Dallas, Texas, and for ENB Delaware Bankshares, Inc., to become a 

bank holding company through the acquisition of Eagle National Bank.

- Approved, November 17, 2000 

Dallas

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority November 12, 2000 to November 18, 2000

Bank Holding Companies

First Community Capital Corporation, Houston, Texas -- to become a bank holding 

company through the acquisition of First Community Capital Corporation Delaware, 

Wilmington, Delaware, and First Community Bank, N.A., Houston, Texas, and for First 

Community Capital Corporation Delaware to become a bank holding company through 

the acquisition of First Community Bank, N.A.

- Approved, November 17, 2000 

Dallas

First Olathe Bancshares, Inc., Kansas City, Missouri -- to acquire control of Bannister 

Bank & Trust through a management consulting agreement.

- Approved, November 16, 2000 

Kansas City

First York Ban Corp., York, Nebraska -- to acquire shares of NebraskaLand Financial 

Services, Inc., North Platte, and thereby indirectly acquire NebraskaLand National Bank, 

and for NebraskaLand Financial Services, Inc. to become a bank holding company by 

acquiring NebraskaLand National Bank.

- Approved, November 16, 2000 

Kansas City

FirstPerryton Bancorp, Inc., Perryton, Texas -- to redeem shares.

- Approved, November 17, 2000 

Dallas

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

increase Humboldt Bancorp's ownership in Bancorp Financial Services, Sacramento.

- Withdrawn, November 17, 2000 

San Francisco

JDOB, Inc., Sandstone, Minnesota -- to acquire shares of First National Bank of 

Hinckley, Hinckley, a de novo bank.

- Approved, November 17, 2000 

Minneapolis

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority November 12, 2000 to November 18, 2000

Bank Holding Companies

Merchants and Manufacturers Bancorporation, Inc., New Berlin, Wisconsin, and 

Merchants Merger Corp. -- to acquire CBOC, Inc., Oconto Falls, and thereby indirectly 

acquire Community Bank of Oconto County.

- Approved, November 17, 2000 

Chicago

Northfield MHC, Northfield, Vermont, and Northfield Bancorp, Inc. -- to become a 

mutual bank holding company and a bank holding company, respectively, through the 

acquisition of Northfield Savings Bank.

- Approved, November 14, 2000 

Boston

PBOC Holdings, Inc., Los Angeles, California -- to become a bank holding company on 

the conversion of its subsidiary, Peoples Bank of California, to a state nonmember bank.

- Withdrawn, November 15, 2000 

San Francisco

Prairie Bancshares, Inc., Lester Prairie, Minnesota -- to redeem shares.

- Approved, November 17, 2000 

Minneapolis

Red Level Financial Corporation, Red Level, Alabama -- to become a bank holding 

company through the acquisition of The Peoples Bank of Red Level.

- Approved, November 13, 2000 

Atlanta

Regional Bankshares, Inc., Hartsville, South Carolina -- to become a bank holding 

company through the acquisition of Hartsville Community Bank, National Association.

- Approved, November 17, 2000 

Richmond

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority November 12, 2000 to November 18, 2000

Bank Mergers

Chemical Bank and Trust Company, Midland, Michigan -- to merge with Chemical Bank 

Bay Area, Bay City; Chemical Bank Michigan, Clare; Chemical Bank Key State, 

Owosso; and Chemical Bank Thumb Area, Caro, and thereby establish branches.

- Approved, November 17, 2000 

Chicago

Banks, Foreign

Bank of Montreal, Toronto, Canada -- to acquire, indirectly through Moneris Solutions 

Corporation, shares of Moneris Solutions, Inc., Buffalo Grove, Illinois, and thereby 

engage in extending credit and servicing loans, activities related to extending credit, and 

data processing.

- Approved, November 15, 2000 

Chicago

Royal Bank of Canada, Toronto, Canada -- to engage in a joint venture with The Bank of 

Montreal, Montreal, by acquiring 50 percent of the merchant acquiring business of Harris 

Trust and Savings Bank, Chicago, Illinois, and thereby engage in extending credit and 

servicing loans, activities related to extending credit, and data processing.

- Approved, November 16, 2000 

New York

Banks, State Member

Colonial Bank, Montgomery, Alabama -- to purchase certain assets and assume certain 

liabilities of First Security Bank of Nevada, Las Vegas, Nevada.

- Approved, November 17, 2000 

Atlanta

Change In Bank Control

Allen Bancshares, Inc., Allen, Oklahoma -- change in bank control.

- Permitted, November 17, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority November 12, 2000 to November 18, 2000

Competitive Factors Reports

Bank of Hoven, Hoven, South Dakota -- report on competitive factors of the proposed 

merger with The Peoples Bank, Aberdeen.

- Submitted, November 16, 2000 

Minneapolis

Brenton Bank, Des Moines, Iowa -- report on competitive factors of the proposed 

merger with Wells Fargo Interim Bank Brenton.

- Submitted, November 17, 2000 

Chicago

Chemical Bank West, Cadillac, Michigan -- report on competitive factors of the 

proposed merger with Chemical Bank North, Grayling; Chemical Bank Central, Big 

Rapids; and Chemical Bank Montcalm, Stanton.

- Submitted, November 17, 2000 

Chicago

Old Kent Federal Bank, Big Rapids, Michigan, a de novo bank -- report on competitive 

factors of the proposed merger with Old Kent Bank, Grand Rapids.

- Submitted, November 17, 2000 

Chicago

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

merger with East-West Bank, San Marino.

- Submitted, November 16, 2000 

San Francisco

State Bank of Allerton, Allerton, Illinois -- report on competitive factors of the proposed 

merger with SBA Interim Bank.

- Submitted, November 17, 2000 

Chicago

The Merchants Bank of New York, New York, New York -- report on competitive 

factors of the proposed merger with Valley National Bank, Passaic, New Jersey.

- Submitted, November 16, 2000 

New York

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority November 12, 2000 to November 18, 2000

Competitive Factors Reports

Wells Fargo Bank Nevada, National Association, Las Vegas, Nevada -- report on 

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

liabilities of First Security Bank of Nevada.

- Submitted, November 17, 2000 

Secretary

Extensions Of Time

Central Texas Bankshare Holdings, Inc., Columbus, Texas, and Colorado County 

Investment Holdings, Inc., Wilmington, Delaware -- extension to February 18, 2001, to 

acquire Hill Bancshares, Inc., Weimar, Texas, and Hill Bank & Trust Company.

- Granted, November 15, 2000 

Dallas

The Chase Manhattan Corporation, New York, New York -- commenter's request to 

extend the comment period on the proposed merger with J.P. Morgan & Co. Inc.

- Denied, November 14, 2000 

Secretary

Community Banks of Southern Colorado, Rocky Ford, Colorado -- commenter's request 

to extend the comment period on the proposed establishment of a branch at the 

intersection of Idaho Street and State Highway 96, Ordway.

- Denied, November 15, 2000 

Secretary

FMB Equibanc, Inc., Statesboro, Georgia -- extension to January 28, 2001, to become a 

bank holding company through the acquisition of Farmers and Merchants Bank.

- Granted, October 27, 2000 (AC)

Atlanta

Northern Trust Corporation, Chicago, Illinois, and The Northern Trust Company -- 

extension to February 1, 2001, to invest through NorLease, Inc. in Key Bank Tax Credit 

Investment Partners, Cleveland, Ohio.

- Granted, November 6, 2000 (AC)

Chicago

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority November 12, 2000 to November 18, 2000

Extensions Of Time

NWI Financial Corporation, Seattle, Washington -- extension to February 14, 2001, to 

become a bank holding company through the acquisition of Northwest International Bank.

- Granted, November 15, 2000 

San Francisco

Seacoast Banking Corporation of Florida, Stuart, Florida -- extension to November 15, 

2001, with respect to a change in bank control.

- Granted, November 14, 2000 

Atlanta

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on October 3, 2000.

- Published, November 16, 2000 

FOMC

(AC) = Addition or Correction Delegated - Page 8 of 8
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, November 18, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for First Quarter of 2001

Institution Location

State Street Bank and Trust Company Boston, Massachusetts

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, November 18, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Deutsche Bank AG, Frankfurt, Germany, to establish additional

branch locations at 280 Park Avenue and 130 Liberty Street,

New York, New York.

Newspaper – N/Avail

FBSEA Sparkasse Stockerau AG, Vienna, Austria, to establish federal

branches in Greenwich, Connecticut, and New York, New York,

and representative offices in San Francisco, California, and

Atlanta, Gerogia.

Newspaper – N/Avail

FBSEA RheinHyp Rheinische Hypothekenbank, AG, Frankfurt,

Germany, to establish a representative office in New York, New

York.

Newspaper – N/Avail

FBSEA Societe Generale, Paris, France, to establish an agency in

Greenwich, Connecticut.

12/01/2000

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

Type Application

Ending date of

comment period

3(a)(1) The shareholder consortium, which collectively owns 45.25

percent of Bank Hapoalim B.M., Tel Aviv, Israel, to become a

bank holding company as a result of the related proposal by

Bank Hapoalim B.M. to acquire Signature Bank, New York,

New York (in formation).*

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1) Israel Salt Industries, Atlit, Israel ("Applicant"), to become a

bank holding company in connection with the establishment of

Signature Bank, New York, New York ("Signature Bank") by

Bank Hapoalim B.M., Tel Aviv, Israel ("Bank Hapoalim").

Applicant would become a bank holding company through its

direct and indirect control of 45.25 percent of the voting shares

of Bank Hapoalim B.M. Signature Bank would be a wholly

owned subsidiary of Bank Hapoalim.*

Newspaper – N/Avail

Fed Reg – N/Avail

Change in Control Change in Bank Control with regard to Patriot National

Bancorp, Inc., Stamford, Connecticut, by Angelo DeCaro,

Riverside, Connecticut to acquire up to 35 percent of Bancorp’s

outstanding shares.*

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

3(a)(1) Arison Holdings (1998) Ltd., Tel Aviv, Israel ("Applicant"), to

become a bank holding company in connection with the

establishment of Signature Bank, New York, New York

("Signature Bank") by Bank Hapoalim B.M., Tel Aviv, Israel

("Bank Hapoalim"). Applicant would become a bank holding

company through its direct and indirect control of 45.25 percent

of the voting shares of Bank Hapoalim B.M. Signature Bank

would be a wholly owned subsidiary of Bank Hapoalim.*

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(3) Lakeland Bancorp, Inc., Oak Ridge, New Jersey, to acquire up

to 9.9 percent of Sussex Bancorp, Franklin, New Jersey.*

Newspaper – 12/22/2000

Fed Reg – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Mizuho Holdings, Inc. and The Dai-Ichi Kangyo Bank, Limited,

to engage through their subsidiary, The CIT Group, Inc., its

wholly owned subsidiary, Capita Premium Financing

Corporation, and its newly-formed subsidiary, Dealerconx, Inc.,

Livingston, New Jersey, which will be a 50 percent owned joint

venture with the Bank of Montreal in making, acquiring,

brokering, and servicing loans; activities relating to extending

credit; leasing personal or real property; and providing data

processing and data processing services.

Fed Reg – 12/04/2000

4(c)(8) Svenska Handelsbanken, Stockholm, Sweden, to engage through

its de novo subsidiary, Oktogon Advisors, LLC, New York,

New York, in investment advisory services to institutional

customers.

Fed Reg – 12/04/2000

4(c)(8) Westdeutsche Landesbank Girozentrale, Dusseldorf, Germany,

to acquire Gulfstream Global Investors, Ltd., Addison, Texas,

and engage in investment advisory activities.

Fed Reg – 12/04/2000

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, November 18, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for First Quarter of 2001

Institution Location

Lebanon Valley Farmers Bank

Community Bank & Trust

Pennsylvania State Bank

Madison Bank

Lebanon, PA

Forest City, PA

Camp Hill, PA

Blue Bell, PA
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, November 18, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Received notification from Somerset Bank, Somerset, PA on

11/16/2000 of its intent to establish a branch at 807 Goucher

Street, Johnstown, PA.

11/13/2000

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

Type Application

Ending date of

comment period

CIC Received notice of change in control from The Jett Family,

Lexington, KY on 11/16/2000 of their intent to acquire up to

30.46 percent of the outstanding voting shares of Bluegrass

Bancshares, Inc., Lexington, KY.

Fed Reg – 12/08/2000

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

25 Received notice from PNC Bank, N.A., Pittsburgh, PA on

11/16/2000 of its intent to engage in permissible overseas

leasing activities through PNC Capital Leasing, LLC.
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, November 18, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch New Peoples Bank, Inc., Honaker, Virginia, to establish a

branch at 685 East Main Street, Lebanon, Virginia.*

Newspaper - 11/24/2000

Branch Allfirst Bank, Baltimore, Maryland, to establish a branch at

Broadcast Square Center, Broadcast Road and Papermill

Road, Reading, Pennsylvania .*

Newspaper - 11/27/2000

Branch Pioneer Bank, Stanley, Virginia, to establish a branch at

8315 Spotswood Trail, Stanardsville, Virginia .*

Newspaper - 11/27/2000

Branch Centura Bank, Rocky Mount, North Carolina, to establish a

branch at 900 Hendersonville Road, Suite 107, Asheville,

North Carolina.*

Newspaper - 12/11/2000

18(c) Bank of Tazewell County, Tazewell, Virginia, to acquire the

Bluefield, Virginia, branch office of First Union National Bank,

Charlotte, North Carolina.*

Newspaper - 12/15/2000

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(1) Virginia Capital Bancshares, Inc., Fredericksburg, Virginia, to

become a bank holding company through the acquisition of

100% of the voting shares of Fredericksburg State Bank,

Fredericksburg, Virginia (the successor by merger to

Fredericksburg Savings Bank, Fredericksburg, Virginia).*

Fed Reg - 12/14/2000

Newspaper - 12/11/2000

3(a)(5) F & M National Corporation, Winchester, Virginia, to merge

with Community Bankshares of Maryland, Inc., Bowie,

Maryland.*

Fed Reg - 12/14/2000

Newspaper - 12/08/2000

3(a)(3) Bank of America Corporation, Charlotte, North Carolina, to

acquire Bank of America Georgia, National Association (an

organizing bank), Atlanta, Georgia.*

Fed Reg - 12/15/2000

Newspaper - 12/14/2000

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

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None
Section VI – CRA examinations scheduled for First Quarter of 2001

Institution Location

The Annapolis Banking and Trust Company Annapolis, Maryland

Americas Bank Towson, Maryland

Benchmark Community Bank Kenbridge, Virginia

Southern Financial Bank Warrenton, Virginia

Barbour County Bank Philippi, West Virginia

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, November 18, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at 9800 Highway 69 South, Tuscaloosa, Alabama, to be

known as the Taylorville Branch.

12/01/2000*

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

located at 1425 E. Venice Avenue, Venice, Florida, to be known

as the North Venice Branch.

12/01/2000*

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

located at 341 Summit Boulevard, Birmingham, Alabama, to be

known as the Summit Branch.

12/01/2000*

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

located at 2100 Stonebridge Boulevard, Bremen, Georgia.

11/23/2000*

Branch Brand Banking Company, Lawrenceville, Georgia, to establish a

branch located at 5319 Atlanta Highway, Flowery Branch,

Georgia.

11/24/2000*

Branch Bank Independent, Sheffield, Alabama, to establish a branch

located at 1029 Avalon Avenue, Muscle Shoals, Alabama.

11/14/2000*

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC Valrico Bancorp, Inc., Valrico, Florida, after-the-fact change in

control by Mr. LeVaughn Amerson and Mrs. Linda Amerson, to

retain 10.96 percent of the outstanding shares of Valrico

Bancorp, Inc., Valrico, Florida.

N/Avail

CIC Valrico Bancorp, Inc., Valrico, Florida, after-the-fact change in

control by Mr. Douglas A. Holmberg and Mrs. Sherrill

Holmberg, to retain 11.06 percent of the outstanding shares of

Valrico Bancorp, Inc., Valrico, Florida.

N/Avail

CIC Valrico Bancorp, Inc., Valrico, Florida, after-the-fact change in

control by Mr. C. Dennis Carlton to retain 10.04 percent of the

outstanding shares of Valrico Bancorp, Inc., Valrico, Florida.

N/Avail
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

24A Bank Independent, Sheffield, Alabama, request to increase

investment in bank premises.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, November 18, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) &

Branches

Harris Trust Bank of Arizona, Scottsdale, Arizona, for prior

approval to merge with Century Bank, Scottsdale, Arizona and

thereby to establish branches at 100 Easy Street, Carefree,

Arizona, 19828 North 27th Avenue, Phoenix, Arizona and

34525 North Scottsdale Road, Scottsdale, Arizona.*

Newspaper – 11/21/2000

18(c) &

Branches

Bank of Washtenaw (in organization), Saline, Michigan, for

prior approval to acquire certain assets and assume certain

deposit liabilities of the Saline, Michigan branch of Bank of

Lenawee, Adrian, Michigan and thereby to establish a branch at

2180 W. Stadiuim Boulevard, Ann Arbor, Michigan.*

Newspaper – N/Avail

18(c) &

Branches

First American Bank, Fort Dodge, Iowa, proposes to purchase

the assets and assume the liabilities of three branch offices of

Brenton Bank, Des Moines, Iowa and thereby to establish

branches at 2805 Beaver, Des Moines, Iowa , 4729 S. W. 9th,

Des Moines, Iowa , and 7031 Douglas Ave., Urbandale, Iowa.*

Newspaper – N/Avail

18(c) &

Branches

Bank of Pontiac, Pontiac, Illinois, for prior approval to merge

with Odell State Bank, Odell, Illinois and thereby to establish a

branch at 200 South Waupansie, Odell, Illinois.*

Newspaper – N/Avail

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

establish a branch at 411 Town Center Drive, Highland,

Michigan and at 821 N. Campbell, Royal Oak, Michigan.*

Newspaper – 11/16/2000

Branch Markesan State Bank, Markesan, Wisconsin, for prior approval

to establish a branch at 825 N. Margaret Street, Markesan,

Wisconsin.*

Newspaper – 11/24/200

* Subject to the provisions of the Community Reinvestment Act
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) Northstar Financial Group, Inc., Bad Axe, Michigan, for prior

approval to become a bank holding company through the

acquisition of 100 percent of the voting shares of Northstar Bank

(in organization), Bad Axe, Michigan.*

Fed Reg – 12/14/2000

Newspaper – N/Avail

3(a)(3) Lenawee Bancorp, Inc., Adrian, Michigan, for prior approval to

acquire 100 percent of the voting shares of Bank of Washtenaw

(in organization), Saline, Michigan.

Fed Reg – 12/4/2000

Newspaper – N/Avail

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

to become a bank holding company through the acquisition of

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

organization), Grand Rapids, Michigan.

Fed Reg – 10/30/2000

Newspaper – 12/8/2000

CIC Notification by David G. and Susan H. McCurry, of a Change in

Control, to acquire an additional 8,500 shares, or 1.59% of the

outstanding voting shares of Washington Bancorp., Washington,

Iowa.

Fed Reg – 12/8/2000

Newspaper – N/Avail

3(a)(1) Woodford Bancshares, Inc., Monroe, Wisconsin, for prior

approval to become a bank holding company through the

acquisition of 100 percent of the voting shares of Woodford

State Bank, Woodford, Wisconsin.*

Fed Reg – 12/18/2000

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, November 18, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Notice by Belgrade State Bank, Belgrade, Missouri, to establish

a branch at 515 West Karsch Boulevard, Farmington, Missouri.*

11/3/2000

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Notice by Mississippi Valley Bancshares, Inc., St. Louis,

Missouri, to acquire Southwest Bank of Phoenix, Phoenix,

Arizona (in organization).*

Newspaper – 12/9/2000

Fed Reg – 12/11/2000

3(a)(5) Notice by Carlson Bancshares, Inc., West Memphis, Arkansas,

to acquire Lakeside Bancshares, Inc., Hughes, Arkansas.*

Newspaper – 12/15/2000

Fed Reg – N/Avail.

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Section 5(b) of the

Bank Service

Corporation Act

Notice by Arvest Bank, Joplin, Missouri, to invest in Security

BankCark Center, Inc., Norman, Oklahoma, a bank service

corporation, and thereby participate in its credit card program.
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, November 18, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CC Retroactive notice by David B. Erickson for change in control of

Freedom BanCorporation, Inc., Hudson, Wisconsin.

Fed Reg – 12/08/2000

3(a)(3)EXP Lake Bank Shares, Inc. Employee Stock Ownership Plan,

Emmons, Minnesota, proposes to acquire an additional 8.19

percent of Lake Bank Shares, Inc., Emmons, Minnesota, thereby

increasing its ownership to 38.19 percent.*

Newspaper – 12/17/2000

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

application for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, November 18, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Heritage Group, Inc., Aurora, Nebraska, to acquire 100 percent

of the voting shares of Heritage Bank, N.A., Doniphan,

Nebraska, a de novo bank in organization.

Newspaper - 12/09/2000

Fed Reg - 12/11/2000

3(a)(1) Central Financial Corporation, Hutchinson, Kansas, to acquire

8.80 percent of the voting shares of TTAC Corp., Manhattan,

Kansas, and thereby indirectly acquire Community First

National Bank, Manhattan, Kansas, a de novo bank in

organization.

Newspaper - N/Avail

Fed Reg - 12/18/2000

3(a)(1) Goering Financial Holding Company Partnership, L.P.,

Moundridge, Kansas, to become a bank holding company

through the acquisition of 42.49 percent of the voting shares of

Bon, Inc., Moundridge, Kansas, and thereby indirectly acquire

Citizens State Bank, Moundridge, Kansas.

Newspaper - N/Avail

Fed Reg - 12/15/2000

3(a)(1) Goering Management Company, LLC, Moundridge, Kansas, to

become a bank holding company through the acquisition of 100

percent of the voting shares of Goering Financial Holding

Company Partnership, L.P., Moundridge, Kansas, and 20.1

percent of the voting shares of Bon, Inc., Moundridge, Kansas,

and thereby indirectly acquire Citizens State Bank, Moundridge,

Kansas.

Newspaper - N/Avail

Fed Reg - 12/15/2000

CIC William Edwin Shoemaker, Cambridge, Nebraska, to acquire

voting shares of FNB Financial Services, Inc., Cambridge,

Nebraska, and thereby indirectly acquire The First National

Bank of Cambridge, Cambridge, Nebraska.

Newspaper - N/Avail

Fed Reg - 12/04/2000
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC The Paul Family Limited Partnership, Bixby, Oklahoma, to

acquire 51.22 percent of CSB Inc, Bixby, Oklahoma, and

thereby indirectly acquire additional voting shares of Citizens

Security Bancshares, Inc., Bixby, Oklahoma, and Citizens

Security Bank and Trust Company, Bixby, Oklahoma.

Newspaper - 11/29/2000

Fed Reg - 12/06/2000

CIC Padgett Enterprises, L.P., Greenleaf, Kansas, to acquire voting

shares of Padgett Agency, Inc., Greenleaf, Kansas, and thereby

indirectly acquire The Citizens National Bank, Greenleaf,

Kansas.

Newspaper - N/Avail

Fed Reg - N/Avail

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 First Quarter of 2001

Institution Location

Community Bank & Trust Company Neosho, Missouri

Community Bank of Raymore Raymore, Missouri

The Guarantee State Bank Mangum, Oklahoma

BancFirst Oklahoma City, Oklahoma
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, November 18, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Legacy Bank, Plano, TX, to establish a branch office at

5000 Legacy, Plano, TX*

Newspaper – 11/24/2000

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) Shelby Bancshares, Inc., Center, TX, to acquire

Shelby Savings of Nevada, Inc., Carson City, NV, and

Shelby Savings Bank, SSB, Center, TX*

Fed Reg – 12/11/2000

Newspaper – 12/07/2000

3(a)(1) Shelby Savings of Nevada, Inc., Carson City, NV, to acquire

Shelby Savings Bank, SSB, Center, TX*

Fed Reg – 12/11/2000

Newspaper – 12/07/2000

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

3(a)(1) Tri-State Bancshares, Inc., Haughton, LA, to acquire

Tri-State Bank & Trust Co., Haughton, LA*

* Subject to the provisions of the Community Reinvestment Act
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, November 18, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch The Vintage Bank, Napa, California, to establish a branch office

at 1065 Main Street, St. Helena, California. *

Newspaper - 11/24/2000

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC David B. and Mary T. Weyrich, Paso Robles, California, to

acquire additional shares of Heritage Oaks Bancorp, Paso

Robles, California. *

Newspaper - N/Avail

Fed Reg - 12/04/2000

3(a)(1) New Corporation, Oakland, California, to become a bank

holding company by acquiring Met Financial Corporation, and

thereby indirectly acquiring Metropolitan Bank, both of

Oakland, California. *

Newspaper - 11/24/2000

Fed Reg - 11/24/2000

3(a)(3) First National Bank of Nevada Holding Company, Scottsdale,

Arizona, to acquire Rocky Mountain Bank, Chandler, Arizona. *

Newspaper - 12/22/2000

Fed Reg - N/Avail

3(a)(1) Mitsubishi Tokyo Financial Group, Inc., Tokyo, Japan, to

become a bank holding company by acquiring Bank of TokyoMitsubishi Trust Company, New York, New York; Mitsubishi

Trust and Banking Corporation (U.S.A.), New York, New York;

and UnionBanCal Corporation, San Francisco, California. *

Newspaper - N/Avail

Fed Reg - N/Avail

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

Type Application

Ending date of

comment period

4(c)(8) Mitsubishi Tokyo Financial Group, Inc., Tokyo, Japan, to

engage indirectly in certain nonbanking activities by acquiring

Bank of Tokyo-Mitsubishi Trust Company, New York, New

York; Mitsubishi Trust and Banking Corporation (U.S.A.), New

York, New York; and UnionBanCal Corporation, San Francisco,

California.

Fed Reg - N/Avail

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

Type Application

4(c)(8) Wells Fargo & Company, San Francisco, California, Wells

Fargo Financial Servcies, Inc., and Wells Fargo Financial, Inc.,

both of Des Moines, Iowa, to acquire Flagship Credit

Corporation, Philadelphia, Pennsylvania.

Member Southwest Bank of Phoenix (In Organization), Phoenix,

Arizona, to become a member of the Federal Reserve System.

3(a)(5)(C) Nara Bancorp, Inc., to become a bank holding company by

acquiring Nara Bank, N.A., both of Los Angeles, California.

3(a)(5)(C) Pacifica Bancorp, Inc., to become a bank holding company by

acquiring Pacifica Bank, both of Bellevue, Washington.

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.
Section V – Availability of CRA public evaluations

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