Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 30

Week Ending July 22, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions July 16, 2000 to July 22, 2000

Forms

Forms -- to extend with revision Daily Advance Report of Deposits (FR 2000), 

Monthly Survey of Industrial Electricity Use (FR 2009); to extend without revision 

Report of Transaction Accounts, Other Deposits, and Vault Cash (FR 2900), Annual 

Report of Total Deposits and Reservable Liabilities (FR 29910a), Report of Certain 

Eurocurrency Transactions (FR 2950/2951), Allocation of Low Reserve Tranche and 

Reservable Liabilities Exemption (FR 2930/2930a), Report of Foreign (Non-U.S.) 

Currency Deposits (FR 2915), Automobile Finance Terms (FR 2005), Passenger 

Auto Contract Collection Trends ( FR 2012), Quarterly Report of Credit Card Plans 

(FR 2835a), Report of Interest Rates on Selected Direct Consumer Installment 

Loans (FR 2835), and Report of Changes in Foreign Investments (Made Pursuant to 

Regulation K) (FR 2064); and to discontinue Quarterly Report of Selected Deposits, 

Vault Cash, and Reservable Liabilities (FR 2910q) and Quarterly Gasoline Company 

Report (FR 2580).

- Approved, July 21, 2000 

Regulations And Policies

Commodity Futures Trading Commission -- letter to the CFTC concerning its report 

on its exercise of margin authority.

- Approved, July 21, 2000 

Home Equity Lending -- addition of a public hearing in Chicago to the three hearings 

already scheduled under the authority of the Home Ownership Equity Protection Act 

of 1994 (Docket R-1075).

- Approved, July 18, 2000 

Enforcement

New Century Bancorp, Southfield, Michigan; New Century Bank, the Federal 

Reserve Bank of Chicago, and the Michigan Office of Financial and Insurance 

Services -- written agreement, dated July 13, 2000.

- Announced, July 21, 2000 

(AC) = Addition or Correction Board - Page 1 of 1
July 16, 2000 to July 22, 2000

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

AmSouth Bank, Birmingham, Alabama -- to establish a branch at 4482 West Main 

Street, Dothan.

- Approved, July 21, 2000 

Secretary

Comerica Bank, Detroit, Michigan -- to establish a branch at 21300 Pontiac Trail, 

South Lyon.

- Approved, July 20, 2000 

Chicago

Somerset Trust Company, Somerset, Pennsylvania -- to establish a branch at 612 

Logan Place, Confluence.

- Approved, July 20, 2000 

Cleveland

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 3707 Hardy 

Street, Hattiesburg.

- Approved, July 19, 2000 

Atlanta

Bank Holding Companies

Byron Bancshares, Inc., Byron, Illinois -- to continue to sell mutual funds through 

Byron Bank Financial Services and thereby engage in securities brokerage activities.

- Approved, July 19, 2000 

Chicago

CNB Financial Services, Inc., Berkeley Springs, West Virginia -- to become a bank 

holding company through the acquisition of Citizens National Bank of Berkeley 

Springs.

- Approved, July 20, 2000 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority July 16, 2000 to July 22, 2000

Bank Holding Companies

Community First Bankshares, Inc., Fargo, North Dakota -- to engage in general 

insurance agency activities through the acquisition of assets of Paula Carper Crop 

Insurance, LLC, Holyoke.

- Approved, July 17, 2000 

Minneapolis

First Bancshares Corporation, Gladstone, Michigan -- to acquire additional shares of 

Baybank Corporation.

- Approved, July 19, 2000 

Minneapolis

First Graham Bancorporation, Inc., Graham, Texas -- to acquire First Bryson 

Bancorporation, Inc., Flower Mound; First Security Bancshares of Delaware, Inc., 

Dover, Delaware; and First Security Bank, Flower Mound.

- Approved, July 19, 2000 

Dallas

German American Bancorp, Jasper, Indiana -- waiver of notification in connection 

with the proposed acquisition of Holland Bancorp, Inc., Holland, and The Holland 

National Bank.

- Granted, July 21, 2000 

St. Louis

Heritage Financial Holding Corporation, Decatur, Alabama -- to become a bank 

holding company through the acquisition of Heritage Bank.

- Approved, July 20, 2000 

Atlanta

Lamar Capital Corporation, Purvis, Mississippi -- to establish Lamar Data Solutions, 

Inc. and thereby engage de novo in data processing and data transmission services.

- Approved, July 17, 2000 

Atlanta

State Bancorp, Inc., Bruceton Mills, West Virginia -- to redeem shares.

- Approved, July 19, 2000 

Richmond

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

Bank Mergers

Westamerica Bank, San Rafael, California -- to merge with Bank of Lake County, 

Lakeport.

- Approved, July 19, 2000 

San Francisco

Banks, State Member

First Illinois Bank, East St. Louis, Illinois -- payment of a dividend.

- Approved, July 17, 2000 

St. Louis

Capital Stock

Doniphan Bancshares, Inc., Doniphan, Nebraska -- treasury stock transaction.

- Approved, July 18, 2000 

Kansas City

Change In Bank Control

Greater Basin Financial Corporation, Elko, Nevada -- change in bank control.

- Permitted, July 21, 2000 

San Francisco

Silver State Bancorp, Henderson, Nevada -- change in bank control.

- Permitted, July 20, 2000 

San Francisco

State Bancorp, Inc., Bruceton Mills, West Virginia -- change in bank control.

- Permitted, July 19, 2000 

Richmond

Competitive Factors Reports

First Interstate Bank, Sheridan, Wyoming -- report on competitive factors of the 

proposed merger with The Equality State Bank, Cheyenne.

- Submitted, July 21, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority July 16, 2000 to July 22, 2000

Competitive Factors Reports

First Prosperity Bank, El Campo, Texas -- report on competitive factors of the 

proposed acquisition of branches of Compass Bank, Birmingham, Alabama, in El 

Campo, Hitchcock, Needville, Palacios, and Sweeny, Texas.

- Submitted, July 21, 2000 

Dallas

Home Exchange Bank of Jamesport, Jamesport, Missouri -- report on competitive 

factors of the proposed acquisition of certain assets and assumption of certain 

liabilities of the Oregon, Missouri, branch of Carrollton Bank, Carrollton, Illinois.

- Submitted, July 21, 2000 

Kansas City

Old National Bank, Lawrenceville, Illinois -- report on competitive factors of the 

proposed merger with First National Bank and Trust Company, Carbondale; 

American National Bank and Trust Company of Muncie, Muncie, Indiana; Peoples 

Loan & Trust Bank, Winchester; The Farmers State Bank of Union City, Union City, 

Ohio; and Heritage Bank, Clarksville, Tennessee.

- Submitted, July 19, 2000 

Secretary

Peoples Bank, Blackshear, Georgia -- report on competitive factors of the proposed 

acquisition of certain assets and assumption of certain liabilities of Citizens Bank, 

Vienna, Georgia.

- Submitted, July 19, 2000 

Atlanta

Extensions Of Time

FNB Southeast, Reidsville, North Carolina -- extension to November 2, 2000, to 

merge with Black Diamond Savings Bank, F.S.B., Norton, Virginia.

- Granted, July 18, 2000 

Richmond

Financial Holding Companies

CBCC, Inc., West Chester, Pennsylvania -- election to become a financial holding 

company.

- Effective, July 19, 2000 

Philadelphia

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority July 16, 2000 to July 22, 2000

Financial Holding Companies

CNB Financial Services, Inc., Berkeley Springs, West Virginia -- election to become 

a financial holding company.

- Effective, July 20, 2000 

Richmond

M.S.B. Bancorporation, Inc., Marion, Wisconsin -- election to become a financial 

holding company.

- Effective, July 20, 2000 

Chicago

Membership

Bank of Dyer, Dyer, Tennessee -- to become a member of the Federal Reserve 

System and retain its current branches.

- Approved, July 21, 2000 

St. Louis

Community Bank-Rocky Ford, Rocky Ford, Colorado -- to retain membership in the 

Federal Reserve System after the conversion of its predecessor institution, Rocky 

Ford National Bank, to a state charter.

- Approved, July 20, 2000 

Kansas City

First State Bank of Rolla, Rolla, North Dakota -- to become a member of the Federal 

Reserve System.

- Approved, July 20, 2000 

Minneapolis

Premier Bank, Denver, Colorado -- to become a member of the Federal Reserve 

System.

- Returned, July 17, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 5 of 5
District 1

Federal Reserve Bank of Boston

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

4(c)(8) Union Bankshares Company, Ellsworth, Maine – to acquire

100% of the common stock of Mid-Coast Bancorp, Inc.,

Waldoboro, Maine and thereby indirectly acquire The

Waldoboro Bank, F.S.B., Waldoboro, Maine

Newspaper – 08/07/2000

Fed Reg – 08/14/2000

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Leonia Corporate Bank plc, Helsinki, Finland, and Leonia Plc,

Helsinki, Finland, to establish a representative office in New

York, New York.

Newspaper – N/Avail

Branch Summit Bank, Princeton, New Jersey, to establish a branch

office located at 260 Chestnut St., Newark, New Jersey.*

Newspaper – 07/29/2000

* 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) Caixa Geral De Depositos, S.A., Lisbon, Portugal, to retain

ownership and control of approximately 8.8 percent of the

outstanding voting shares of Banco Comercial Portugues,

Oporto, Portugual, and thereby acquire indirectly approximately

8.8 percent of the shares of BPABank, National Association,

Newark, New Jersey.*

Newspaper – 08/10/2000

Fed. Reg. – N/Avail

3(a)(3) The Industrial Bank of Japan, Tokyo, Japan to acquire 11.8

percent interest in The Dai-Ichi Kangyo Fuji Trust & Banking

company, Ltd., Tokyo, Japan.*

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) Westdeutsche Landesbank Girozentrale, Dusseldorf, Germany,

to acquire 100 percent of the shares of Phillips Capital

Management, Chicago, Illinois, and thereby engage in

investment advisory activities.

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) USABancShares.com, Inc., Philadelphia PA, to acquire 49% of

the voting shares of Bondsonline Group, Inc., Mercer Island,

WA.

08/09/2000

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 4

Federal Reserve Bank of Cleveland

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

1016316 Mid Am Bank

519 Madison Avenue

Toledo, OH 43604

04/17/2000 07/18/2000 S X

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, July 22, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of the James, Lynchburg, Virginia, to establish a branch

at 5204 Fort Avenue, Lynchburg, Virginia.*

Newspaper – 08/04/2000

18(c) Bank of Lancaster, Kilmarnock, Virginia, to purchase certain

assets and assume certain liabilities of two branch offices of

First Virginia Bank, Falls Church, Virginia.*

Newspaper – N/Avail

*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) The Exchange Bankshares, Inc., Estill, South Carolina, to

become a bank holding company through the acquisition

of 100% of the voting shares of The Exchange Bank, Estill,

South Carolina.*

Fed Reg – 08/18/2000

Newspaper – 07/31/2000

3(a)(1) Friedman, Billings, Ramsey Group, Inc., and its subsidiaries,

FBR Bancorp, Inc., Money Management Associates, Inc.,

and Money Management Associates (LP), Inc., all located in

Arlington, Virginia, to become bank holding companies

through the acquisition of 100% of the voting shares of

Rushmore National Bank, Bethesda, Maryland.*

Fed Reg – 08/18/2000

Newspaper – 08/14/2000

4(c)(8) Friedman, Billings, Ramsey Group, Inc, and its subsidiaries,

FBR Bancorp, Inc., Money Management Associates, Inc., and

Money Management Associates (LP), Inc., all located in

Arlington, Virginia, to retain 6.34% of the voting shares of

Pocahontas Bancorp, Inc., Pocahontas, Arkansas.

Fed Reg – 08/18/2000

Newspaper – 07/31/2000

*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

969424 **Highlands Union Bank

 340 West Main Street

 Abingdon, Virginia 24210-2624

04/03/2000 07/02/2000 S X

834531 ***F&M Bank-West Virginia, Inc.

 301 South Mildred Street

 Ranson, West Virginia 25438

04/10/2000 07/13/2000 S X

108522 F & M Bank-Richmond

 9401 West Broad Street

 Richmond, Virginia 23294

04/25/2000 07/22/2000 S X

 **Inadvertently omitted from Bulletin for week ending July 8, 2000.

***Inadvertently omitted from Bulletin for week ending July 15, 2000.
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, July 22, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Fifth Third Bank, Naples, Florida, to establish a branch located

at 4103 Santa Barbara Boulevard, Naples, Florida.

08/09/2000*

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

4525 County Road 48, Leesburg, Florida.

07/22/2000*

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Firstrust Corporation, New Orleans, Louisiana, to acquire Metro

Bank, Kenner, Louisiana.

Fed Reg - 08/18/2000

CIC American City Bancorp, Inc., Tullahoma, Tennessee, after-thefact notification filed by Mr. George Vibbert, Jr.; Ms. Elwanda

Vibbert; Mr. Sam Sawyer; Ms. Faye Sawyer Stynchula; Mr.

Norman Sawyer; and Dr. Tulio Figarola; to collectively retain

36.9 percent of the outstanding shares of American City

Bancorp, Inc., Tullahoma, Tennessee.

Fed Reg – 08/08/2000

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

COM Greater Rome Bancshares, Inc., Rome, Georgia, commitment

waiver request.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

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, July 22, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

establish a branch facility located at 6081 B Drive North,

Calhoun County, Battle Creek, Michigan.*

Newspaper - 06/26/2000

Branch Comerica Bank, Detroit, Michigan, for prior approval to

establish a branch facility located at 21300 Pontiac Trail, South

Lyon, Michigan.*

Newspaper - 07/08/2000

* Subject to the provisions of the Community Reinvestment

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

Type Application

Ending date of

comment period

3(a)(3) Anita Bancorporation, Atlantic, Iowa, for prior approval to

acquire 100% of EWN Investments, Inc., Ute, Iowa, and thereby

indirectly acquire control of at least 95.66% of Ute State Bank,

Ute, Iowa.*

Fed Reg - N/Avail

Newspaper - N/Avail

3(a)(3) Capitol Bancorp, Ltd., Lansing, Michigan, for prior approval to

acquire 51 percent of the voting shares of Goshen Community

Bank (in organization), Goshen, Indiana.*

Fed Reg - N/Avail

Newspaper - 08/07/2000

3(a)(3) Indiana Community Bancorp Limited, Elkhart, Indiana, for prior

approval to acquire 51 percent of the voting shares of Goshen

Community Bank (in organization), Goshen, Indiana.*

Fed Reg - N/Avail

Newspaper - 08/07/2000

3(a)(1) Community Bancshares Spring Green and Plain, Inc., Spring

Green, Wisconsin, for prior approval to become a bank holding

company through the acquisition of 100 percent of the voting

shares of Community Bank Spring Green and Plain, Spring

Green, Wisconsin.*

Fed Reg - N/Avail

Newspaper -N/Avail

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

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

48730 First Commercial Bank

6945 N. Clark Street

Chicago, Illinois 60626

(773) 761-4300

11/01/1999 07/18/2000 S X

210434 The Northern Trust Company

50 S. LaSalle Street

Chicago, Illinois 60675

(312) 444-3146

01/31/2000 07/21/2000 O 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, July 22, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Notice involving First Robinson Financial Corporation,

Robinson, Illinois, by First Robinson Financial Corporation

Employee Stock Ownership Plan, Robinson, Illinois. (Previously

submitted during the week ending July 15, 2000)

Newspaper – 8/6/2000

Fed Reg – 8/7/2000

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

Membership Notice by Bank of Dyer, Dyer, Tennessee, to become a statechartered member of the Federal Reserve System.

4(j)(5)(B) Notice by Chambers Bancshares, Inc., Dannville, Arkansas, to

directly engage, de novo, in lending activities.
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, July 22, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Ardmore Merger Corporation, Ardmore, Oklahoma, to become a

bank holding company through the acquisition of 100 percent of

the voting shares of First National Corporation of Ardmore, Inc.,

Ardmore, Oklahoma, and thereby indirectly acquire First

National Bank & Trust Company of Ardmore, Ardmore,

Oklahoma.

Newspaper - N/Avail

Fed Reg - 08/21/2000

CIC Michael D. and Nancy K. Van Cleef, Carleton, Nebraska, and

Michelle D. and Robert E. Sullivan, Tecumseh, Nebraska, to

acquire voting shares of Carleton Agency, Inc., Carleton,

Nebraska, and thereby indirectly acquire Citizens State Bank,

Carleton, Nebraska.

Newspaper - 05/17/2000

Fed Reg - 05/15/2000

3(a)(1) Commerce Financial Corporation, ESOP, Topeka, Kansas, for

prior approval to become a bank holding company through the

acquisition of at least 25 percent of the voting shares of

Commerce Financial Corporation, Topeka, Kansas, and thereby,

indirectly acquire Commerce Bank and Trust, Topeka, Kansas.

Also to acquire Financial Institution Technologies, Topeka,

Kansas, and thereby, indirectly engage in data processing

activities.

Newspaper – 08/17/2000

FedReg – 08/18/2000

3(a)(1) Advantage Bancorp, Inc., Woodbury, Minnesota, for prior

approval to acquire 100 percent of the voting shares of

Advantage Bank, Loveland, Colorado.

Newspaper – 08/21/2000

FedReg – 08/18/2000
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Commerce Financial Corporation, Topeka, Kansas, for prior

approval to increase its investment, to 29.03 percent, of

Financial Institution Technologies, Topeka, Kansas, and

thereby, continue to engage in data processing activities.

FedReg – 08/18/2000

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 11

Federal Reserve Bank of Dallas

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Central Texas Bankshares Holdings, Inc., Columbus, TX, and

Colorado County Investment Holdings, Inc., Wilmington, DE,

to acquire

Hill Bancshares Holdings, Inc., Weimar, TX, and

Hill Bank and Trust Company, Weimar, TX*

Fed Reg – 08/14/2000

Newspaper – 08/04/2000

3(a)(1) Frankston Bancorporation, Inc., Frankston, TX, to acquire

FDB, Inc., Dover, DE, and

First State Bank, Frankston, TX*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(1) FDB, Inc., Dover, DE, to acquire

First State Bank, Frankston, TX*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(1) ENB Bankshares, Inc., Dallas, TX, to acquire

ENB Delaware Bankshares, Inc., Wilmington, DE, and

Eagle National Bank, Dallas, TX*

Fed Reg – 08/21/2000

Newspaper – N/Avail

3(a)(1) ENB Delaware Bankshares, Inc., Wilmington, DE, to acquire

Eagle National Bank, Dallas, TX*

Fed Reg – 08/21/2000

Newspaper – N/Avail

CIC Burl Dawin Hobson, Sr., Crockett, TX, et al, to acquire an

interest in

Citizens Bancorporation, Inc., Crockett, TX

Fed Reg – 08/11/2000

Newspaper – 08/09/2000

CIC Testamentary Trusts A and B and Constance M. Vickery,

Houston, TX, to acquire an interest in

Texas Coastal Bank, Pasadena, TX

(previously reported the week ending July 1, 2000)

Fed Reg – 07/19/2000

Newspaper – 07/27/2000

*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 12

Federal Reserve Bank of San Francisco

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(5) Wells Fargo & Company, San Francisco, California, to acquire

First Security Corporation, Salt Lake City, Utah, and thereby

indirectly acquire their bank subsidiaries. *

Newspaper - 07/31/2000

Fed Reg - 08/14/2000

3(a)(3) Wells Fargo & Company, San Francisco, California, to acquire

Buffalo National Bancshares, Inc., Buffalo, Minnesota. *

Newspaper - 08/19/2000

Fed Reg - 08/18/2000

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

First Security Corporation, Salt Lake City, Utah, and thereby

engage in nonbanking subsidiaries.

Fed Reg - 08/14/2000
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

3(a)(5)(C) FNB Bancorp to become a bank holding company by acquiring

The First National Bank of Layton, both of Layton, Utah.

S/R California Center Bank, Los Angeles, California, to repurchase

up to 10 percent of its outstanding stock.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

808260 Farmers & Merchants Bank of

 Central California

121 West Pine Street

Lodi, California 95240-2184

(209) 334-1101

05/25/2000 07/17/2000 S X

The above listing has been prepared as a courtesy by the Federal Reserve Bank of San Francisco, and is not

intended to replace formal notices required by statute or regulation; the Reserve Bank assumes no responsibility

for errors or omissions.

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None