APPLICATIONS BULLETIN
(For the week ending May 17, 1997)

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
Received notice from PremierBank & Trust, Elyria, OH *May 21, 1997
on May 12, 1997, of its intent to establish a branch at

Sheffield Crossing, 5231 Detroit Road, Sheffield Village, OH.

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

NONE
SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
NONE

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

Received notice from KeyBank, N.A., Cleveland, OH on May 14, 1997, of its intent to invest
in and establish Leasetec International as an indirect subsidiary in the form of an Agreement
Corporation and to retain investment in Leasetec International’s subsidiaries.

* - Subject to CRA

N - Newspaper Comment Period

F - Federal Register Comment Period

# - Expected to End 30 Days from Date of Receipt


RESERVE BANK APPLICATIONS BULLETIN For week ending May 16, 1997

FEDERAL RESERVE BANK OF ST. LOUIS

12} V - AVAILABILITY RA PUBLIC DISCL RE:
Identification of Ratings:
Outstanding record of meeting community credit needs
An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Satisfactory record of meeting community credit needs
An institution in this group has a satisfactory record of ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.
Needs to improve record of meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping to meet

the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

bank RSSD Name of Bank Examination | Examination
Number Bank Address Date Rating
458357 Bank of Ste. Genevieve Ste. Genevieve, 2/3/97 Satisfactory

MO



Federal Reserve Bank of Chicago

i - Availabili ic Ev:

The following state member banks have been examined by the Federal Reserve Bank of Chicago for
compliance with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed
during the week ending May 16, 1997. If you are interested in obtaining a copy of the evaluation document,
please contact the bank(s) directly.

jon tin

O- An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.

S- An institution in this group has a satisfactory record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

NI - An institution in this group has a needs to improve its overall record of ascertaining
and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.

SN - An institution in this group has a substantial noncompliance record of ascertaining
and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.

BANK NAME/LOCATION EXAMINATION DATE RATINGS
Security Savings Bank 2/18/97 oO
201 West Broadway
Eagle Grove, Iowa 50533
(515) 448-5111
RSSD# 676245
Camp Grove State Bank 1/27/97 Ss

One Main Street

Camp Grove, Illinois 61424
(309) 493-5311

RSSD# 302133



KANSAS CITY RESERVE BANK APPLICATIONS AND REPORTS RECEIVED
During the week ending May 16, 1997

SE 1-A ECT TO NEWSPAPER NOTICE ONL’

APPLICATION

Pitkin City Bank & Trust Company, Aspen, Colorado,
for prior approval to establish a branch facility to be
located in the Snowmass Center at 16 Kearns Road,
Aspen, Colorado.

BancFirst, Oklahoma City, Oklahoma, for prior
approval to establish a detached facility inside Wal-
Mart Supercenter at 2020 South Muskogee, Tahlequah,
Oklahoma.

SEC : LICATIONS
WwW PER AN

APPLICATION
DATE

PBT Bancshares, McPherson, Kansas, for prior
approval to acquire 100 percent of the voting shares of
Yoder Bancshares , Inc., Yoder, Kansas.*

Intra Financial Corp., Clyde, Kansas, for prior approval
to acquire 100 percent of the voting shares of Peoples
Bancorp of Belleville, Inc., Belleville, Kansas and
Security Bancshares, Inc., Scott City, Kansas to acquire
9.5 percent of Intra Financial.*

Guaranty Bancshares Corporation, Kansas City,
Kansas, to acquire 100 percent of the voting shares of
Bank of Coffey, Coffey, Missouri.*

Gold Banc Corporation, Inc., Prairie Village, Kansas, to
acquire 100 percent of the voting shares of Peoples
Bancshares, Inc., Clay Center, Kansas, and thereby
indirectly acquire Peoples National Bank of Clay
Center, Clay Center, Kansas.*

COMMENT PERIOD ENDING DATE

ISTER NOTI

COMMENT PERIOD ENDING

Not Available

Not Available

June 4, 1997

June 13, 1997



Vv =. INAT. ‘HI

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

Union Trust Company, Ellsworth, Maine
RSSD Number - 563907 ’



Applicant or notificant

Acquiree or activity Section of law

Reserve Bank

End of comment period

Norwest Corporation,
Minneapolis, MN

P.C.B. Bancorp, Inc.,
Largo, FL

Parkway Bancorp, Inc.,
Harwood Heights, IL,
and Parkway
Acquisition Corporation,
Harwood Heights, IL

Patel, Susma;Patel
(Suku), Suketu
Madhusudan; Patel
(Perry), Parimal
Kantibhai; Amin, Bharat
Muljibhai, London,
England; and King,
Dennis John Lloyd,
Surrey, England;
collectively, as the Patel
Group

PBT Bancshares, Inc.,
McPherson, KS

Penns Woods Bancorp,
Inc.,
Williamsport, PA

Peoples Bank
Employee Stock
Ownership Trust,
Marion, KY

Peoples Financial
Services, Inc.,
Hamtramck, MI

IMS Mortgage Company, 4
Cedar Rapids, LA,

residential mortgage

lending (b)(1)

Anchor Savings Bank, 4
F.SB.,

St. Petersburg, FL, savings
association (b)(9)

Jefferson Holding Corp., 3
Chicago, IL;

Jefferson State Bank,

Chicago, IL

First Bankshares, Inc.,
Longwood, FL, and

First National Bank of
Central Florida, Longwood,
Fl

CIBC

Yoder Bankshares, Inc., 3
Yoder, KS, and Farmers

State Bank,

Yoder, KS

Columbia Financial 3
Corporation,

Bloomsburg, PA;

First Columbia Bank &

Trust Company,

Bloomsburg, PA

Peoples-Marion Bancorp, 3
Inc.,
Marion, KY

Peoples State Bank, 3
Hamtramck, MI

Minneapolis

Atlanta

Chicago

Atlanta

Kansas City

Philadelphia

St. Louis

Chicago

May 9, 1997

May 8, 1997

April 21, 1997

May 30, 1997

June 6, 1997

April 25, 1997

June 12, 1997

May 23, 1997


H.2A

Notice of Formations and Mergers of, and Acquisitions by, Bank Holding

Companies; Change in Bank Control

Notices Filed as of May 16, 1997

The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act of
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j)), Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board of Governors, no

later than the end of the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end of this release.

The public portions of the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;
addresses are listed at the end of this release. Applications and notices also may be obtained from the

Board.

Applicant or notificant

Acquiree or activity

Section oflaw Reserve Bank

End of comment period

Ist United Bancorp,
Boca Raton, FL

Allegiant Bancorp, Inc.,
Clayton, MO

AMCORE Financial,
Inc.,
Rockford, IL

Seaboard Savings Bank, 4 Atlanta
FSB,

Stuart, FL,

operating a savings

association (b)(4)(ii)

Reliance Financial, Inc., St. 4 St. Louis
Louis, MI, and

Reliance Federal Savings

and Loan

Association of St. Louis

County, St. Louis, MI,

operating a savings and

loan (6)(4)(ii)

County Bank Shares Corp.; 3 Chicago
State Bank of Mt. Horeb;
Mt. Horeb, WI; Belleville
Bancshares Corp.,
Belleville, WI; Montello
State Bank, Montello, WI;
State Bank of Argyle,
Argyle, WI; Citizens State
Bank, Clinton, WI;
Belleville State Bank,
Belleville, WI

June 12, 1997

June 9, 1997

April 22, 1997



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 5/16/97

Section V - Availability of CRA Public Evaluati

The CRA public evaluations of the institution(s) below became available during this week. Information
about a particular institution's CRA evaluation may be obtained directly from the institution.

Instituti Locati Examination L Rating*

Hanmi Bank 3660 Wilshire Blvd. 11/12/96 Needs to Improve
Penthouse, Suite A
Los Angeles, CA 90010-2706
(213) 382-2200

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

Qutstanding record of meeting community credit needs: An institution has an outstanding record of,
and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

Satisfactory record of meeting community credit needs: An institution has a satisfactory record of
ascertaining and meeting the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.

Needs to Improve record of meeting community credit needs: An institution needs to improve its
overall record of ascertaining and helping to meet the credit needs of its entire delineated community,
including low- to moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

Substantial Noncompliance in meeting community credit needs: An institution has a substantially
deficient record of ascertaining and helping to meet the credit needs of its entire delineated community,
including low- to moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

The above listing has been prepared as a courtesy by the Federal Reserve Bank of San Francisco, and
is not intended to replace formal notices required by statute or regulation; the Reserve Bank assumes no
responsibility for errors or omissions.


Applicant or notificant

Acquiree or activity Section of law Reserve Bank

End of comment period

Citizens Banking
Corporation,
Flint, MI

Comerzbank AG,
Frankfurt am Main,
Germany

Commercial Guaranty
Bancshares, Inc.,
Shawnee Mission, KS

Commerzbank
Aktiengesellschaft,
Frankfurt Main,
Germany

Community Bankshares
Incorporated,
Petersburg, VA

Community Capital
Corporation,
Greenwood, SC

Community Financial
Corp.,
Edgewood, IA

CB Financial Corporation, 3
Jackson, MI;

CB North,

Charleviox, MI;

City Bank & Trust,

Jackson, MI;

City Bank,

Saint Johns, MI

Chicago

CAM Acquisition, LLC, 4
Wilmington, DE
Montgomery Asset
Mangement, L.P.,
Montgomery Services,
LLC,

all of San Francisco, CA,
securities activities (b)(7)(i)
and (iii); financial &
Investment advisory
services (b)(6);
administrative services

New York

CGB Capital Corporation, 4
Shawnee Mission, KS,

private placement of

securities (b)(7)(iii)

Kansas City

Commerz Futures 4
Corporation,

Chicago, IL, financial &
investment advisory (b)(6)

New York

County Bank of 3
Chesterfield,
Midlothian, VA

Richmond

The Bank of Newberry 3
County,
Newberry, SC

Richmond

Community Savings Bank, 3
Robbins, IA

Chicago

May 8, 1997

May 14, 1997

June 3, 1997

May 23, 1997

June 2, 1997

May 29, 1997

May 16, 1997



Applicant or notificant

Acquiree or activity

Section of law Reserve Bank

End of comment period

Fannin Bancorp, Inc.,
Employee Stock
Ownership Plan

and Trust,

Windom, TX

Farmers State Bank of
Fort Morgan, ESOP,
Fort Morgan, CO

Farmers State Holding
Company,
Marion, SD

FBA Bancorp, Inc.,
Chicago, IL

Fifth Thirc 3ancorp,
Cincinnat!, OH

Financial Services of St.
Croix Falls,
St. Croix Falls, WI

First Bank System, Inc.
Q),

Minneapolis, MN
CONTINUED

Fannin Bancorp, Inc.,
Windom, TX, and
Fannin Bank,
Windom, TX

FSB Bancorporation, Inc.,
Fort Morgan, CO

and Farmers State Bank,
Fort Morgan, CO

First State Financial
Services, Inc.,
Bridgewater, SD, and
First State Bank,
Bridgewater, SD

Interim First Bank, S.B.,
Chicago, IL, a de

novo bank,

First Bank of the Americas,
SSB,

Chicago, IL

Suburban Bancorporation,
Inc.,

Cincinnati, OH,
Suburban Federal Savings
Bank,

Cincinnati, OH

State Bank of Dennison,
Dennison, MN

U.S. Bancorp; U.S. Nat'l
Bank of Oregon, Portland,
OR; U.S. Bank of
Washington, N.A., Seattle,
WA; U.S. Bank of Nevada,
Reno, NV; U.S. Bank ot
Utah, Salt Lake City, UT;
U.S. Bank of Idaho, Boise,
ID; U.S. Bank of California,
Sacremento, CA;
CONTINUED

3and4

Dallas

Kansas City

Minneapolis

Chicago

Cleveland

Minneapolis

Minneapolis

June 12, 1997

June 2, 1997

May 30, 1997

June 12, 1997

May 27, 1997

June 6, 1997

May 16, 1997



VI - XAMI NN ial (3rd Qtr. 1997)

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

Bank

Texas Bank
Weatherford, Texas
491569

Bank of Troy
Troy, Texas
543561

First Bank of Muleshoe
Muleshoe, Texas
946461

Landmark Bank Mid-Cities
Euless, Texas
437156

First State Bank
Junction, Texas
603755

United Central Bank
Garland, Texas
259657

Minden Bank & Trust Company
Minden, Louisiana
188551



Substantial noncompliance in meeting community credit needs.

An institution in this group has a substantially deficient record of ascer-
taining and helping to meet the credit needs of its entire delineated community,

including low- and moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.

RSSD

94522

417626

1356535

Name of Bank

Benchmark Community Bank
100 South Broad Street
Kenbridge, Virginia 23944

Putnam County Bank
2761 Main Street
Hurricane, West Virginia 25526

Greenwood Bank & Trust
109 Montague
Greenwood, South Carolina 29649

Examination
—Date _

2-24-97

2-24-97

3-4-97

Satisfactory

Satisfactory

Satisfactory



RESERVE BANK APPLICATIONS BULLETIN

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

Te -

will be considered during the examination.

RSSD Name City State
Number
453446 Heber Springs State Bank Heber Springs Arkansas
18144 Citizens Bank Marion Arkansas
731443 Farmers and Merchants Bank Prairie Grove Arkansas
966348 First Bank of Arkansas Searcy Arkansas
363844 The State Bank of Jerseyville Jerseyville Illinois
1014040 Citizens State Bank of Petersburg Petersburg Indiana
499613 Fifth Third Bank of Kentucky, Inc. Louisville Kentucky
177751 Cass Bank and Trust Company Bridgeton Missouri
814757 United Missouri Bank, Northeast Monroe City Missouri
909055 Peoples Bank and Trust Company of Troy Missouri
Lincoln County

For week ending May 16, 1997



Applicant or notificant Acquiree or activity Section of law Reserve Bank End of comment period

Mercantile Roosevelt Bank, 4 St. Louis May 8, 1997
Bancorporation, Inc., Chesterfield, MI;
St. Louis, MI; Roosevelt Mortgage
Ameribanc, Inc., Company,
St. Louis, MI Kansas City, MI, operation
of a federal savings bank
(b)(9) and mortgage
banking activities (b)(1)
Midstate Bancorp, Inc., Binger Agency, Inc., 3 Kansas City May 8, 1997
Hinton, OK Binger, OK;
First Community Bank.
Binger, OK
Montgomery, Tammy Independent Bancshares, CIBC Atlanta April 28, 1997
Bolton, Inc..
Golden, MS, Red Bay, AL,
as Trustee for The Bank of Red Bay,
Weaterford Foundation Red Bay, AL
of Red Bay, Alabama,
Inc.,
Red Bar, AL
Morris Mayer Madison Bancshares, Inc., CIBC Kansas City April 7, 1997
Testamentary Trust, Madison, NE,
Walkenhorst, Dale as Bank of Madison,
Trustee, Madison, NE
Madison, NE
National Canton Sturm Investment, Inc., 3 Chicago April 18, 1997
Bancshares, Inc., Denver, CO,
Canton, IL The Union National Bank
of Macomb,
Macomb, IL
National City Bridgeport Bancorp, Inc., 3 St. Louis June 6, 1997
Bancshares, Inc., Bridgeport, IL, and First
Evansville, IN National Bank of

Bridgeport, Bridgeport, IL

NEB Corporation, State Bank of St. Cloud, 3 Chicago May 5, 1997
Fond du Lac, WI St. Cloud, WI
Northeast Kansas Valley Falls Insurance, Inc., 3 and4 Kansas City May 5, 1997
Bancshares, Inc., Valley Falls, KS,
Valley Falls, KS Kendall State Bank,

Valley Falls, KS, insurance

activities (b)(8)(iii)



H.2
MAY 12, 1997 TO MAY 16, 1997
PAGE 5

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

BANK HOLDING COMPANIES

San Francisco Dartmouth Capital Group, L.P., Huntington Beach,
California -- to purchase an option to acquire
shares of ElDorado Bancorp, Irvine, California.

Approved, May 16, 1997.

Secretary Deposit Guaranty Corporation, Jackson, Mississippi --
waiver of application to acquire by merger NBC
Financial Corporation, Baton Rouge, Louisiana, and
Bank of Commerce.
Granted, May 16, 1997.

Secretary Eggemeyer Advisory Corp., San Diego, California;
Castle Creek Capital, L.L.C., and Castle Creek
Partners Fund -I,L.P., and Monarch Bancorp, Laguna,
Nigel -- to merge Monarch Bancorp with California
Commercial Bankshares, Newport Beach, and acquire
National Bank of Southern California; and for
Monarch to acquire Venture Partners, Inc. and
engage in trust activities.

Approved, May 16, 1997.

Chicago F & M Bancorporation, Inc., Kaukauna, Wisconsin, and
F & M Merger Corporation -- to acquire Wisconsin
Ban Corp., Prairie du Chien, Wisconsin, and Prairie
City Bank.
Approved, May 15, 1997.
Chicago F & M Bancorporation, Inc., Kaukauna, Wisconsin, and
F & M Merger Corporation -- to acquire Citizens

National Bancorp, Inc., Darlington, Wisconsin, and
Citizens National Bank of Darlington.
Approved, May 15, 1997.

Chicago FBA Bancorp, Inc., Chicago, Illinois -- to acquire
Interim First Bank, S.B.
Returned, May 15, 1997.

Atlanta First Security Corporation Employee Stock Ownership
Plan, Norcross, Georgia -- to acquire First
Security Corporation.
Approved, May 16, 1997.



Applicant or notificant

Acquiree or activity

Section of law

Reserve Bank

End of comment period

Premier Bancshares,
Inc.,
Atlanta, GA

Premier Bancshares,
Inc.,

LaGrange, TX,

and Premier Holdings -
Nevada, Inc.,

Carson City, NV

Regions Financial
Corporation,
Birmingham, AL

Reich Family Limited
Partnership, Kansas City,
MO, and general

partners Carolyn Reich
Weir, Independence,
MO, and Nancy Reich
Esry, Sarasota, FL

Republic Bancshares,
Inc.,
St. Petersburg, FL

Central and Southem
Holding Company,
Milledgeville, GA;

Central and Southern Bank
of Georgia,

Milledgeville, GA;

Central and Southem Bank
of North Georgia,
Greensboro, GA

savings association (b)(9)

3 and4

Citizens State Bank, 3
Hempstead, TX

The New Iberia Bancorp, 3
Inc.,

‘New Iberia, LA;

The New Iberia Bank,
‘New Iberia, LA;

First Bankshares, Inc., East
Point, GA;

First Bank of Georgia, East
Point, GA;

SB&T Corporation,
Smyma, GA; and

Smyma Bank and Trust
Company,

Smyma, GA

Blue Ridge Bancshares, CIBC
Inc., Kansas City, MO, and
Blue Ridge Bank and Trust

Co., Kansas City, MO

F.F.O. Financial Group, 4
Inc.,

St. Cloud, FL, and First

Federal Savings and Loan
Association of Ocelola

County, Kissimmee, FL,
operating a savings

association (b)(4\ii)

Atlanta

Dallas

Atlanta

Kansas City

Atlanta

May 12, 1997

May 1, 1997

May 5, 1997

May 27, 1997

May 23, 1997



Applicant or notificant —_ Acquiree or activity Section oflaw Reserve Bank End of comment period
Peoples-Marion The Peoples Bank, 3 St. Louis June 12, 1997
Bancorp, Inc., Marion, KY
Marion, KY
PHS Bancorp, M.H.C., Peoples Home Savings 3 Cleveland May 1, 1997
Beaver Falls, PA Bank,

Beaver Falls, PA
Pierce County Bancorp, Pierce Commercial Bank, 3 San Francisco April 21, 1997
Tacoma, WA Tacoma, WA
Pinnacle Bancorp, Inc., First Ogallala Investment, 3 Kansas City April 25, 1997
Central City, NE Inc.,

Ogallala, NE;

First National Bank of

Ogallata,

Ogailala, NE
Pinnacle Bancshares, McDuffie Bank & Trust, 3 Atlanta May 5, 1997
Inc., Thomson, GA
Thomson, GA
PN Holdings, Inc., Pelican National Bank, 3 and4 Atlanta April 21, 1997
Ann Arbor, MI Naples, FL (in

organization);

Washtenaw Mortgage

Company,

Ann Arbor, Ml, lending

(eX)
Poteau Bancshares, Inc., First Poteau Corporation, 3 Kansas City May 17, 1997
Poteau, OK Poteau, OK;

Poteau State Bank,

Poteau, OK
Powell, Donald Edward, Tejas Bancshares, Inc. CIBC Dallas April 7, 1997

Amarillo, TX

Fritch, TX;
Fritch State Bank,
Fritch, TX


Applicant or notificant

Acquiree or activity Section oflaw Reserve Bank

End of comment period

Southern National
Corporation,
Winstom-Salem, NC

Southern Security
Financial Corporation,
Hollywood, FL

Spangler, Charles Leon,
Aurora, MO

Stearns Financial
Services, Inc.,
Employee Stock
Ownership Plan T1, St.
Cloud, MN, and Stearns
Financial

Services, Inc., St. Cloud,
MN

Summit Bancorp,
Princeton, NJ

Susquehana Bancshares,
Inc.,
Lititz, PA

TCF Financial
Corporation,
Minneapolis, MN.

United Carolina Bancshares 3
Corporation,

Whiteville, NC;

United Carolina Bank,
Whiteville, NC;

United Carolina Bank of

South Carolina,

Greer, SC

Richmond

Southem Security Bank 3
Corporation,

Hollywood, FL;

Southern Security Bank of
Hollywood,

Hollywood, FL

Atlanta

Seligman Bancshares, Inc., CIBC St. Louis
Seligman, MO;
First Independent Bank,

Seligman, MO

Arizona Community Bank 3
of Scottsdale,
Scottsdale, AZ

Minneapolis

Collective Bancorp, Inc., 4
Egg Harbor, NJ;

Collective Bank,

Egg Harbor, NJ, operating a
federal savings bank
(4G)

Collective Financial
Services, Inc., securities
brokerage & insurance
agency activities (b)(7)(1)
and (b)(11)(ii)

New York

Founders Bank, 3
Bryn Mawr, PA

Philadelphia

Winthrop Resources 4
Corporation,

Minnetonka, MN, leasing
personal property (b)(3)

Minneapolis

March 31, 1997

April 10, 1997

May 15, 1997

June 6, 1997

May 23, 1997

May 19, 1997

May 27, 1997



Federal Reserve Bank of Chicago

= icati ject t ws ind
Register Noti °d
Comment Period
3(a)(1) Schonath Family Partnership, A Limited Partnership* FR - 5-30-97
Oconomowoc, Wisconsin NP - 5-16-97

InvestorsBancorp, Inc.
Pewaukee, Wisconsin
InvestorsBank (in organization)
Pewaukee, Wisconsin

3(a)(1) InvestorsBancorp, Inc.* FR - 5-30-97
Pewaukee, Wisconsin NP - 5-16-97
InvestorsBank (in organization)
Pewaukee, Wisconsin

3(a)(1) FBA Bancorp Inc.* FR - 6-12-97
Chicago, Illinois NP - **
Interim First Bank S.B. (in organization)
Chicago, Illinois



AVAILABILITY OF CRA PUBLIC EVALUATIONS
(May 16, 1997)

The following state member banks have been examined by the Federal Reserve Bank of
Cleveland for compliance with The Community Reinvestment Act. A public evaluation document
became available from the bank(s) listed below during the week ended May 16, 1997. If you are
interested in obtaining a copy of an evaluation document, please contact the bank(s) directly.

There are four descriptive ratings for CRA:

OUTSTANDING: a bank in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

SATISFACTORY: a bank in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities,

NEEDS TO IMPROVE: a bank in this group needs to improve its overall record of
ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

SUBSTANTIAL NON COMPLIANCE: a bank in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

NONE



None.

Applicati

None.



Section IV - Application Not Subject to
Federal ; loti w: Joti

None.

*Application is subject to CRA requirements.
**Expiration of comment period as specified in the Federal Register.

= ilabi

Week ending May 16, 1997

Definition of Ratings

Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner con-
sistent with its resources and capabilities.

Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.

Needs to improve record of meeting community credit needs.
Aan institution in this group needs to improve its overall record of ascer-
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.



Federal Reserve Bank of Chicago

- icati j u

Notice Only
Comment Period
4(c)(8) Shorebank Pacific Corporation FR - 5-17-97

Ilwaco, Washington
Shoretrust Trading Group
Ilwaco, Washington

NONE



FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS

The following institutions were examined for CRA. The 30-business day period the bank has
to make the evaluation public has lapsed during the week ending May 16, 1997.

Identification of Ratings
In connection with the assessment of each insured depository institution’s CRA performance, a
rating is assigned from the following groups:

Outstanding record of meeting community credit needs.

An institution in this group has an outstanding record of, and is a leader in, ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs.

An institution in this group has a satisfactory record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Needs to improve record of meeting community credit needs.

An institution in this group needs to improve its overall record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs.

An institution in this group has a substantially deficient record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Bank/Locati Examination D CRA Rati

Wilmington Trust 12/2/96 Satisfactory
1522 McDaniel Drive
West Chester, PA 19382


Applicant or notificant

Acquiree or activity

Section oflaw Reserve Bank

End of comment period

Rossenberg, Clifford R.,
Sunset Beach, CA

Sankovitz Family
Limited Partnership, and
Frankson Investment
Corporation,

both of Waseca, MN

Schonath Family
Partnership, LP,
Oconomiwoc, WI

Scott, Ben Jay,
Coleman, TX

Security State
Corporation,
Centralia, WA.

Shorebank Corporation,
Chicago, IL

South Branch Valley
Bancorp, Inc.,
Moorefield, WV

Southeast Bancorp, Inc.,
Corbin, KY

Southerland Family
Limited Partnership,
Batesville, AR

Security First Bank,
Fullerton, CA

Bank of Ellendale,
Ellendale, MN

InvestorsBancorp, Inc.,
Pewaukee, WI, and
InvestorsBank,
Pewaukee, WI

Coleman Bancshares, Inc.,
Coleman, TX;

Coleman County State
Bank,

Coleman, TX

Security State Bank,
Centralia, WA

Shorebank Pacific Corp.,
Tlwaco, WA;

ShoreTrust Bank,

Seattle, WA

ShoreTrust Trading Group,
Inc., investment advice

(b\(6)

Capital State Bank, Inc.,
Charleston, WV

First Bank of East
Tennessee, National
Association,

La Follette, TN

Citizens Bancshares of
Batesville, Inc.,
Batesville, AR

CIBC

CIBC

CIBC

San Francisco

Minneapolis

Chicago

Dallas

San Francisco

Chicago

Richmond

Cleveland

St. Louis

May 27, 1997

April 28, 1997

May 30, 1997

April 25, 1997

June 9, 1997

May 17, 1997

May 23, 1997

April 4, 1997

May 15, 1997


Applicant or notificant Acquiree or activity Section of law Reserve Bank End of comment period
Creditanstalt- community investments 4 New York February 24, 1997
Bankverein, (b}(6)
Vienna, Austria
Criswell, Thomas E., First Ada Bancshares, Inc., CIBC Kansas City April 30, 1997
Ada, OK; Ada, OK;
Home, Bill J., Sr., First National Bank and
Ada, OK; Trust Company,
Howard, C.B., Ada, OK
Ada, OK,
Thompson, Richard J.,
Oklahoma City, OK;
Wall, James N.,
Shawnee, OK,
all as co-trustees,
Crites, John William, South Branch Valley CIBC Richmond June 3, 1997
Petersburg, WV Bancorp, Inc.,
Moorefield, WV, and South
Branch Valley National
Bank of Moorefield,
Moorefield, WV
Cumberland Bancorp, The Bank of Mason, 3 Atlanta April 4, 1997
Inc., Mason, TN
Carthage, TN
Dartmouth Capital Eldorado Bancorp, 3 San Francisco April 25, 1997
Group, Inc., Irvine, CA;
Huntington Beach, CA; Eldorado Bank,
Dartmouth Capital Tustin, CA
Group, L.P., Huntington
Beach, CA; Commerce
Security Bancorp, Inc.,
Huntington Beach, CA;
and SDN Bancorp, Inc.,
Encinitas, CA
Deer, Charlie, First Citizens Bancorp, Inc, CIBC Atlanta May 27, 1997
Monroeville, AL Monroeville, AL
First Citizens Bank of
Monroe County,
Monroeville, AL
Deutsche Bank, AG Ganis Credit Corporation, 4 New York May 12, 1997
(Main) Newport Beach, CA,
Federal Republic of lending (b)(1)

Germany



H.2
MAY 12, 1997 TO MAY 16, 1997
PAGE 10

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

COMPETITIVE FACTORS REPORTS

San Francisco Inland Empire National Bank, Riverside, California,
proposed acquisition of the assets and assumption
of the liabilities of New Inland Empire National
Bank -- report on competitive factors.

Submitted, May 14, 1997.

Cleveland Lorain National Bank, Lorain, Ohio, proposed purchase
of the assets and assumption of the liabilities of
three branches of KeyBank, N.A., Cleveland, Ohio --
report on competitive factors.

Submitted, May 16, 1997.

Secretary Monarch Bank, Laguna Niguel, California, proposed
merger with National Bank of Southern California,
Newport Beach, California -- report on competitive
factors.

Submitted, May 15, 1997.

Richmond NationsBank, National Association, Charlotte, North
Carolina, proposed merger with Boatmen's Trust
Company of Kansas, Wichita, Kansas -- report on
competitive factors.
Submitted, May 12, 1997.

Atlanta Republic Bank, St. Petersburg, Florida, proposed
merger with First Federal Savings and Loan
Association of Osceola County, St. Cloud, Florida -
- report on competitive factors.
Submitted, May 14, 1997.

Minneapolis Stockman Bank of Montana, Miles City, Montana,
proposed merger with Stockman Bank of Billings,
Billings, Montana -- report on competitive factors.
Submitted, May 13, 1997.

Dallas Texstar National Bank, Universal City, Texas.
proposed acquisition of a branch of Pacific
Southwest Bank, Corpus Christie, Texas, at
420 Schertz Parkway, Schertz, Texas -- report on
competitive factors.
Submitted, May 13, 1997.



Federal Reserve Bank of Chicago

Secti - ications Subject to Both Newspaper and Feder:
Register Notice
Comment Period

Type Application Ending Date
CoC-HC First State Bancorp of Monticello, Inc. FR - 5-16-97

Monticello, Illinois NP - 5-13-97

By John W. Corley

3(a)(3) Capitol Bancorp, Ltd.* FR - 5-27-97

Lansing, Michigan NP - 5-14-97

Valley First Community Bank (in organization)
Scottsdale, Arizona

3(a)G) Sun Community Bancorp, Ltd.* FR - 5-27-97
Tucson, Arizona NP - 5-14-97
Valley First Community Bank (in organization)
Scottsdale, Arizona

3(ay(5) F & M Bancorporation, Inc.* FR - 5-12-97
Kaukauna, Wisconsin NP - 5-12-97
Citizens National Bancorp, Inc.
Darlington, Wisconsin
Citizens National Bank of Darlington
Darlington, Wisconsin

3(a)(5) F & M Merger Corporation* FR - 5-12-97
Kaukauna, Wisconsin NP - 5-12-97
Citizens National Bancorp, Inc.
Darlington, Wisconsin
Citizens National Bank of Darlington
Darlington, Wisconsin

3¢ay(S) F & M Bancorporation, Inc.* FR - 5-12-97
Kaukauna, Wisconsin NP - 5-7-97
Wisconsin Ban Corp.
Prairie du Chien, Wisconsin
Prairie City Bank
Prairie du Chien, Wisconsin

3(a(S) F & M Merger Corporation* FR - 5-12-97
Kaukauna, Wisconsin NP - 5-7-97
Wisconsin Ban Corp.
Prairie du Chien, Wisconsin
Prairie City Bank
Prairie du Chien, Wisconsin



Applicant or notificant Acquiree or activity Section oflaw Reserve Bank End of comment period
Imperial Bancorp, Imperial Bank Arizona, 3 San Francisco May 1, 1997
Inglewood, CA Phoenix, AZ
Industrial Bank of Aubrey G. Lanston & Co., 4 New York May 12, 1997
Japan, Ltd., Inc.,
Tokyo, Japan New York, NY, securities

activities (b)(7); data

processing (b\(14),

financial & investment

activities (b)(6); and

underwriting (b)(8)
InvestorsBancorp, Inc., InvestorsBank, 3 Chicago May 30, 1997
Pewaukee, WI Pewaukee, WI ‘
Kale, Denis L. and Osceola Bancorporation, CIBC Chicago April 16, 1997
Sandra, Osceola, IA;
Osceola, IA American State Bank,

Osceola, IA
Karge, Carl L., Western Holding Company, CIBC Minneapolis May 8, 1997
Wolf Point, MT Wolf Point, MT;

Western Bank of Wolf

Point,

Wolf Point, MT
Kazi, Zubair and Khatija, | Greater Pacific Bancshares, © CIBC San Francisco May 5, 1997
Studio City, CA; Whittier, CA;
and Abdul-Rahman, Bank of Whittier, N.A.,
Yahia and Magda, Whittier, CA.
Pasadena, CA
Kazi, Zubair and Khatija, | Kentucky Home Bank, 3 San Francisco April 17, 1997
Studio City, CA; Bardstown, KY
and Yahia and Magda
Abdul-Rahman,
Pasadena, CA
Korea Long Term Nara Bank, National 3 New York May 1, 1997
Credit Bank, Association,
Seoul, Korea Los Angeles, CA
Kremlin Bancshares, Bank of Kremulin, 3 Kansas City April 11, 1997
Inc., Kremlin, OK

Kremlin, OK



Applicant or notificant

Acquiree or activity

Section of law Reserve Bank

End of comment period

Lauritzen Corporation
Q),

Omaha, NE
CONTINUED

Liberty Bank
Employee Stock
Ownership Plan,
New Orleans, LA

Lloyds TSB Group

PLC, and Lloyds Bank
PLC,

both of London, England

Mahurin, Dixi,
Bowling Green, KY;
Mahurin, Peter and
Dixie ,

Bowling Green, KY,
acting in concert

Mansfield Bancshares,
Inc.,
Mansfield, LA

Marshall & Isey
Corporation,
Milwaukee, WI

MASSBANK Corp.,
Reading, MA

North Platte, NE; and First
National Bank of Omaha,
Omaha, NE

Liberty Financial Services,
Inc.,

New Oreleans, LA;
Liberty Bank and Trust
Company,

New Orleans, LA

IAI Holdings Inc.,
Investment Advisers, Inc.,
Minneapolis, MN, trust
services (b)(3); investment
advisory services (b)(4);
full-service brokerage
(b)(15); foreign exchange
execution & advisory
services, and other advisory
& administrative services

First Cecilian Bancorp, Inc.,
Cecilia, KY,

Cecilian Bank,

Cecilia, KY

Riverside Baneshares, Inc.,
Logansport, LA,

and Bank of Logansport,
Logansport, LA

Security Capital
Corporation,
Milwaukee, WI,
Security Bank, S.S.B.,
Milwaukee, WI

Glendale Co-operative
Bank Bank,
Everett, MA

CIBC

CIBC

wa

Kansas City

Atlanta

New York

St. Louis

Dallas

Chicago

Boston

June 2, 1997

April 8, 1997

March 26, 1997

April 30, 1997

June 12, 1997

May 5, 1997

May 23, 1997



Applicant or notificant

Acquiree or activity

Section oflaw Reserve Bank

End of comment period

Mauldin, Leonard P.,
Town Creek, Alabama,
Mauldin, Macke B.,
Sheffield, Alabama, and
Mauldin, E. Fennel, Jr.,
Sheffield, Alabama, as
the MPEFM, II Limited
Partnership

MAXLOU Bancshares,
Inc.,
Tahlequah, OK

McConnell, Richard J. ,
Franklin, IN

Medina Bankshares,
Inc.,

D'Hanis, TX, and
Medina Financial Inc.,
Carson City, NV

Mellon Bank
Corporation,
Pittsburgh, PA

Mellon Bank
Corporation,
Pittsburgh, OH

Mercantile
Bancorporation Inc.,
St. Louis, MO, and
Ameribanc, Inc.,

St. Louis, MO

BancIndependent, Inc.,
Sheffield, AL,
and Bank Independent,
Sheffield, AL

First State Bank,
Tahlequah, OK;
Liberty Finance, Inc.,
Tahlequah, OK, lending
C03)

FSB Financial Corporation,
Francisco, IN;

FSB Bank,

Francisco, IN

D'Hanis State Bank,
D. Hanis, TX

Ist Business Corporation,
Los Angeles, CA, and
Ist Business Bank,

Los Angeles, CA

Buck Consultants, Inc.,
New York, NY,
employee benefits

consulting (b)(9)(ii)

Roosevelt Financial Group,
Inc.,

Chesterfield, MO;
Missouri State Bank &
Trust Company,

St. Louis, MO;

Roosevelt Bank,
Chesterfield, MI, savings
association (b)(9)

CIBC

3 and 4

CIBC

3 and4

Atlanta

Kansas City

St. Louis

Dailas

Cleveland.

Cleveland

St. Louis

June 2, 1997

April 11, 1997

March 21, 1997

April 22, 1997

May 30, 1997

May 27, 1997

April 4, 1997



Federal Reserve Bank of Atlanta
lications Bulletin for Week Ending May 16, 1997

Recently Approved Applications Approval Date
Aliant Bank 05-13-97

Alexander City, Alabama
To establish a branch located at 1100 Corporate Parkway, Hoover, Alabama

Colonial Bank 05-14-97
Montgomery, Alabama

To become a member of the Federal Reserve System, pursuant to Section 208.4 of Regulation H

and Section 9 of the Federal Reserve Act.

Colonial Bank 05-14-97
Montgomery, Alabama

To merge with Colonial Bank, Ardmore, Tennessee, pursuant to Section 18(c) of the Federal

Deposit Insurance Act.

Colonial Bank 05-14-97
Montgomery, Alabama

To merge with Colonial Bank, Orlando, Florida, pursuant to Section 18(c) of the Federal Deposit

Insurance Act.

Regions Financial Corporation 05-14-97
Birmingham, Alabama

To merge with The New Iberia Bancorp, Inc., New Iberia, Louisiana, and thereby directly acquire

The New Iberia Bank, New Iberia, Louisiana, pursuant to Section 3(a)(5) of the Bank Holding

Company Act.

Seacoast Banking Corporation of Florida 05-14-97

Stuart, Florida
To merge with Port St. Lucie National Bank Holding Corp., Port St. Lucie, Florida, and thereby
directly acquire Port St. Lucie National Bank, Port St. Lucie, Florida, pursuant to Section 3(a)(5)
of the Bank Holding Company Act.

Seacoast Banking Corporation of Florida 05-14-97

Stuart, Florida
To acquire Spirit Mortgage Company, Port St. Lucie, Florida, and thereby engage in making,
acquiring, or servicing loans or other extensions of credit, pursuant to Section 225.25(b)(1)(iii)
of Regulation Y and Section 4(c)(8) of the Bank Holding Company Act.



Information Requests

The public portions of the applications and notices currently listed in this release are available on an
expedited basis from the appropriate Federal Reserve Bank. The public portion of the application also
may be obtained from the Board.

Federal Reserve Bank of Boston -
Jonathan Fine (TEL: 617-973-3339; FAX: 617-973-3219)

Federal Reserve Bank of New York
Margaret Carmody (TEL: 212-720-7924; FAX: 212-720 -6628)

Federal Reserve Bank of Philadelphia
Rosanna Crosier (TEL: 215-574-6581; FAX: 215-574-4146)

Federal Reserve Bank of Cleveland
Jim Terlop (TEL: 216-579-2197; FAX: 216-579-2932)

Federal Reserve Bank of Richmond
Gaile Clark (TEL: 804-697-8825; FAX: 804-697-8283)

Federal Reserve Bank of Atlanta
Wayne Smith (TEL: 404-589-7265; FAX: 404-589-7342)

Federal Reserve Bank of Chicago
Frank Skweres (TEL: 312-322-4785; FAX: 312-322-5894)

Federal Reserve Bank of St, Louis
Cathie Windsor (TEL: 314-444-4638; FAX: 314-444-8740)

Federal Reserve Bank of Minneapolis
Paula Charles (TEL: 612-372-2982; FAX: 612-344-2702)

Federal Reserve Bank of Kansas City
Patty Biesemeyer (TEL: 816-881-2464; FAX: 816-881-2252)

Federal Reserve Bank of Dallas
Rob Jolley (TEL: 214-922-6071; FAX: 214-922-6302)

Federal Reserve Bank of San Francisco
Michael Johnson (TEL: 415-974-2995; FAX: 415-974-3031}

Board of Governors of the Federal Reserve System
Freedom of Information Office (TEL: 202-452-3684; FAX: 202-872-7562, and 202-872-7565)



H.2

MAY 12, 1997 TO MAY 16, 1997

PAGE 7

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

BANK HOLDING COMPANIES

Atlanta

San Francisco

San Francisco

St. Louis

BANK MERGERS

Atlanta

Atlanta

Minneapolis

Chicago

Seacoast Banking Corporation of Florida, Stuart,
Florida -- to acquire Spirit Mortgage Company, Port
St. Lucie, Florida, and engage in lending
activities.

Approved, May 14, 1997.

Tehama Bancorp, Red Bluff, California -- to engage
indirectly in equipment leasing activities through
Bancorp Financial Services, Inc., Sacramento,
California.

Approved, May 15, 1997.

Tehama Bancorp, Red Bluff, California -- to acquire
Tehama Bank.
Approved, May 15, 1997.

Union Illinois 1995 Investment Limited Partnership,
Swansea, Illinois -- to acquire shares of Union
Illinois Company.

Approved, May 13, 1997.

Colonial Bank, Montgomery, Alabama, to merge with
Colonial Bank, Orlando, Florida.
Approved, May 14, 1997.

Colonial Bank, Montgomery, Alabama -- proposed merger
with Colonial Bank, Ardmore, Tennessee.
Approved, May 14, 1997.

First Interstate Bank of Commerce, Billings,
Montana -- to merge with First Interstate Bank of
Montana, N.A., Kalispell, and Mountain Bank,
Whitefish, Montana.

Approved, May 14, 1997.

Huron Community Bank, East Tawas, Michigan -- to
acquire the Au Gres, Michigan, branch of Citizens
Bank, Flint, Michigan, and establish a branch at
3150 East Huron Road, Au Gres, Michigan.

Approved, May 16, 1997.


H.2

MAY 12, 1997 TO MAY 16, 1997

PAGE 6

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

BANK HOLDING COMPANIES

Atlanta

Minneapolis

Minneapolis

Minneapolis

St. Louis

Atlanta

San francisco

Atlanta

Hancock Holding Company, Gulfport, Mississippi --
waiver of application to merge with Commerce
Corporation, St. Francisville, Louisiana, and
acquire Bank of Commerce & Trust Co.

Granted, May 12, 1997.

Norwest Corporation, Minneapolis, Minnesota -- to
engage in residential mortgage lending activities
through the formation of a joint venture, Trinity
Mortgage Affiliates, Atlanta, Georgia.

Permitted, May 13, 1997.

Norwest Corporation, Minneapolis, Minnesota -- to
engage in residential mortgage lending activities
through the formation of a joint venture, Ohio
Executive Mortgage Company, Mansfield, Ohio.

Permitted, May 13, 1997.

Norwest Corporation, Minneapolis, Minnesota -- to
engage in residential mortgage lending through
formation of a joint venture, IMS Mortgage Company,
Cedar Rapids, Iowa.

Permitted, May 14, 1997.

OneFinancial Corporation, Little Rock, Arkansas -- to
acquire One National Bank.
Approved, May 14, 1997.

Regions Financial Corporation, Birmingham, Alabama -~-
to merge with New Iberia Bancorp, Inc., New Iberia,
Louisiana, and acquire New Iberia Bank.

Approved, May 14, 1997.

SDN Bancorp, Inc., Encinitas, California -- to merge
with ElDorado Bancorp, Irvine, California.
Approved, May 16, 1997.

Seacoast Banking Corporation of Florida, Stuart,
Florida -- to merge with Port St. Lucie National
Bank Holding Corp., Port St. Lucie, Florida, and
acquire Port Lucie National Bank.

Approved, May 14, 1997.



FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION VI - CRA EXAM SCHEDULE

July 1,1997 to September 30,1997

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

BANKS RSSID#
First Heritage Bank 2214744

64 N. Franklin Street
Wilkes-Barre, PA 18701

Sterling Bank 1819366
3100 Rte 38
Mount Laurel, NJ 08054

Twin Rivers Community Bank 1486487
2925 William Penn Hwy
Easton, PA 18045

East Penn Bank 1901243
731 Chestnut Street
Emmaus, PA 18049

Founders Bank 1211700
101 Bryn Mawr Avenue
Bryn Mawr, PA 19010

Woodlands Bank 1479470
2450 E. Third Street
Williamsport, PA 17701



H.2
MAY 12, 1997 TO MAY 16, 1997
PAGE 9

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

GOMPETITIVE FACTORS REPORTS

Atlanta

Dallas

Atlanta

St. Louis

San Francisco

Cleveland

Atlanta

Citizens Bank of Tifton, Tifton, Georgia, proposed
purchase of certain assets and assumption of
certain liabilities of the Douglas, branch of
NationsBank, N.A. (South), Atlanta, Georgia --
report on competitive factors.

Submitted, May 14, 1997.

D'Hanis State Bank, D'Hanis, Texas, proposed merger
with D'Hanis Financial Corporation -- report on
competitive factors.

Submitted, May 16, 1997.

Deposit Guaranty National Bank of Louisiana, Hammond,
Louisiana, proposed merger with Citizens Savings
Association, Baton Rouge, Louisiana -- report on
competitive factors.

Submitted, May 14, 1997.

EFS Federal Savings Bank, Oakland, Tennessee,
proposed formation -- report on competitive
factors.

Submitted, May 15, 1997.

First National Bank of North County, Carlsbad,
California, proposed merger with New First National
Bank of North County -- report on competitive
factors.

Submitted, May 12, 1997.

First USA Federal Savings Bank, Wilmington, Delaware,
proposed merger with Bank One, Columbus, N.A.,
Columbus, Ohio -- report on competitive factors.

Submitted, May 15, 1997.

Hanceck Bank of Louisiana, Baton Rouge, Louisiana,
proposed merger with Bank of Commerce and Trust
Company, St. Francisville, Louisiana -- report on
competitive factors.

Submitted, May 14, 1997,


Applicant or notificant

Acquiree or activity Section oflaw Reserve Bank

End of comment period

Security Bancshares,
Inc.,
Scott City, KS

United Bankshares, Inc.,
Charleston, WV

Intra Financial Corp., and 3
Exchange Bank of Clyde,
Clyde, KS; Farmers State
Bancshares

of Sabetha, Inc., Sabetha,
KS; Farmers

State Bank, Sabetha, KS;
Peoples Bancorp of
Belleville, Inc., and Peoples
Bank of

Belleville, Belleville, KS

Kansas City

First Patriot Bankshares 3
Corporation,

Reston, VA, and

Patriot National Bank,

Reston, VA

Richmond

June 20, 1997

June 16, 1997



Federal Reserve Bank of Richmond

Section VI - CRA Examinations Scheduled for Third Quarter of 1997

Examinations may have to be rescheduled during the calendar quarter in which
they are designated to begin. If an institution's examination is rescheduled
for a date later than the end of the date range reflected in published schedule,
the institution's name will be republished in an appropriate later listing.

Any comments received as a result of either the first publication or subsequent
publications will be considered during the examination.

Annapolis Banking and Trust Company, Annapolis, Maryland
Farmers Bank of Maryland, Annapolis, Maryland

The Forest Hill State Bank, Bel Air, Maryland

The Patapsco Bank, Dundalk, Maryland

The Carolina County Bank, Greensboro, Maryland

Atlantic Bank, Ocean City, Maryland

First Virginia Bank-Maryland, Upper Marlboro, Maryland

Triangle Bank, Raleigh, North Carolina

Farmers Bank of Appomattox, Appomattox, Virginia
State Bank of the Alleghenies, Covington, Virginia
Peninsula Trust Bank, Gloucester, Virginia
Rockingham Heritage Bank, Harrisonburg, Virginia
Security Bank Corp., Manassas, Virginia

Heritage Bank, McLean, Virginia

The Horizon Bank of Virginia, Merrifield, Virginia
Commerce Bank of Virginia, Richmond, Virginia

F & M Bank, Richmond, Virginia

Signet Bank, Richmond, Virginia

Bank of Suffolk, Suffolk, Virginia

Bank of Tazewell County, Tazewell, Virginia

Bank of Tidewater, Virginia Beach, Virginia

F & M Bank-Winchester, Winchester, Virginia

First Commonwealth Bank, Wise, Virginia

F & M Bank - Blakeley, Inc., Ranson, West Virginia
The Traders Bank, Spencer, West Virginia



ANNOUNCEMENT H.2, 1997, No. 20
Actions of the Board, its Staff, and

BOARD OF GOVERNORS the Federal Reserve Banks;
OF THE Applications and Reports Received
FEDERAL RESERVE SYSTEM During the Week Ending May 17, 1997

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANK HOLDING COMPANIES

Banc One Corporation, Inc., Columbus, Ohio -- t+
merge with First USA, Inc., Dzllas, Texas, and
acquire First USA Federal Savings Bank, Wilmington,
Delaware; and engage in extensions of credit and
data processing activities through acquisition of
the direct and indirect nonbank subsidiaries of
First USA, Inc.

Approved, May 14, 1997.

NationsBank Corporation, Charlotte, North Carolina,
and NB Holdings Corporation -- to retain, ina
fiduciary capacity, more than 5 percent of First
National Security Company, De Queen, Arkansas;
Calvin B. Taylor Bankshares, Inc., Berlin,
Maryland; First Perry Bancorp, Inc., Pinckneyville,
Illinois; and The First National Bank in*
Falfurrias, Falfurrias, Texas.

Approved, May 12, 1997.

BANKS, FOREIGN

Agricultural Bank of China, Beijing, People's
Republic of China -- to establish a representative
office in New York, New York.

Approved, May 14, 1997.

Banco Santander, S.A., Madrid, Spain -- to acquire
Banco de Venezuela International, Miami, Florida.
Permitted, May 14, 1997.

ENFORCEMENT

Banco Ganadero, S.A., Bogota, Colombia (Miami
agency)) -- order of prohibition against Francisco
Moncaleano, a former vice president and
institution-affiliated party of the Miami agency.

Announced, May 16, 1997.

Hang Seng Bank, U.S.A., Division of Marine Midland
Bank, New York, New York -- cease and desist order
against Kwai Por Au, a former assistant loan
officer and institution-affiliated party of the
Hang Seng Bank, U.S.A., Division of Marine Midland
Bank.

Announced, May 16, 1997.



Substantial noncompliance in meeting community credit needs

An institution in this group has a substantially deficient record of ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and

capabilities.
Bank/Location RSSD#
Bank of Jackson Hole 898458
P.O. Box 700

Jackson, Wyoming 83001-0077

Deuel County State Bank 538651
P.O. Box 548
Chappell, Nebraska 69129-0000

First United Bank 116956
P.O. Box 129
Neligh, Nebraska 68756-0129

E Xal Date

2-10-97

2-18-97

2-24-97

CRA Public
Date

5-12-97

5-12-97

5-15-97

CRA
—Rating_

Satisfactory

Outstanding

Satisfactory

VI. CRA Examinations Scheduled for the 3rd and 4th Quarters of 1997

BANK NAME

Pitkin County Bank & Trust Co
Bank of Boulder

Citizens Bank of Cortez
Bankers? Bank of the West

Tri State Bank

Eaton Bank

Centennial Bank

Professional Bank

Union Colony Bank

Lafayette State Bank

Rocky Mountain State Bank
Colorado Mountain Bank
Citizens Bank Co Corp

The Fidelity State Bank & Trust
Citizens State Bank & Trust Co.
Heritage Bank of Olathe

The St. Marys State Bank
American Bank

The Citizens-Farmers Bank of

CITY

Aspen
Boulder
Cortez
Denver
Denver
Eaton
Englewood
Glendale
Greeley
Lafayette
Rangely
Westcliffe
Westminster
Dodge City
Ellsworth
Olathe

St. Marys
Wichita
Cole Camp

STATE

co
co
co
co
co
co
co
co
co
co
co
co
co
KS
KS
KS
KS
KS
MO


H.2 ADDITIONS AND CORRECTIONS
MAY 12, 1997 TO MAY 16, 1997
PAGE 12

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

REGULATIONS AND POLICIES

Regulation Q -- interpretation to provide an
exception to the current limitations on premiums
given on demand deposit accounts.

Approved, May 6, 1997.

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

BANK HOLDING COMPANIES

St. Louis First Commercial Corporation, Little Rock, Arkansas -
- to acquire First Central Corporation, Searcy,
Arkansas, and First National Bank.
Approved, March 14, 1997.

BANKS, NONMEMBER, AND MISCELLANEOUS INSTITUTIONS

Kansas City ONEOK Employees Federal Credit Union, Tulsa, Oklahoma
-- registration under Regulation G.
Approved, May 6, 1997.

COMPETITIVE FACTORS REPORTS

Philadelphia Sun National Bank, Vineland, New Jersey, proposed
purchase of the assets and assumption of the
liabilities of three offices of Oritani Savings
Bank, Hackensack, New Jersey -- report on
competitive factors.

Submitted, May 7, 1997.



H.2
MAY 12, 1997 TO MAY 16, 1997
PAGE 11

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

COMPETITIVE FACTORS REPORTS

San Francisco Tri-State Bank, Montpelier, Idaho, proposed
acquisition of the assets and assumption of the
liabilities of ten Idaho-based branches of Wells
Fargo Bank, N.A., San Francisco, California, and to
establish two branches -- report on competitive
factors.

Submitted, May 16, 1997.

EXTENSIONS OF TIME

Boston Assabet Valley Bancorp, Hudson, Massachusetts --
extension to acquire Hudson Savings Bank.
Granted, May 16, 1997.

Richmond Hanover Bank, Mechanicsville, Virginia -- extension
to December 10, 1997, to establish a branch at the
intersection of Sliding Hill Road and Totopotomy
Trail.

Granted, May 16, 1997.

Richmond Princess Anne Bank, Virginia Beach, Virginia --
extension to November 24, 1997, to establish a
branch inside the Super Kmart Center at the
intersection of Holland Road and Windsor Oaks Road,
Virginia Beach, Virginia.

Granted, May 16, 1997.

Chicago Sycamore Bancshares, Inc., Sycamore, Illinois --
extension to August 8, 1997, to acquire America
National Bank of De Kalb, Sycamore, Illinois.
Granted, May 12, 1997.

INTERNATIONAL OPERATIONS

Director, BS&R Republic National Bank of New York, New York, New
York -- waiver of the 45-day notice period to
establish a branch in Guernsey, Channel Islands.

Granted, May 15, 1997.



Applicant or notificant Acquiree or activity Section oflaw Reserve Bank End of comment period
Compass Bancshares, Central Texas Bancorp, Inc, 3 Atlanta May 12, 1997
Inc., Waco, TX;
Birmingham, AL; The Texas National Bank of
Compass Banks of Waco,
Texas, Inc., Waco, TX
Birmingham, AL;
Compass
Bancorporation of
Texas, Inc.,
Wilmington, DE
Concord EFS, Inc., EFS Federal Savings Bank, 4 St. Louis May 13, 1997
Memphis, TN Oakland, TN;

First Federal Bank, FSB,

Memphis, TN, operating a

savings association (b)(4)(ii)
Corley, John William, First State Bancorp of CIBC Chicago May 16, 1997
(60) Monticello, Inc.,
Monticello, IL Monticello, IL
CONTINUED State Bank of Hammond,

Hammond, IL; First State

Bank of Monticello,

Monticello, IL; First State

Bank of Bloomington,

Bloomington, IL; First State

Bank of Heyworth, :

Heyworth, IL; :

CONTINUED
Corley, John William, and First State Bank of CIBC Chicago May 16, 1997
(2) Atwood,
Monticelli, 1L Atwood, IL
Covenant Bancorp, Inc., Covenant Bank, 3 Philadelphia April 22, 1997
Haddonfield, NJ Haddonfield, NJ
Cox, Walter L., Sr., Morris County Bankshares, CIBC Dallas April 30, 1997
Naples, TX Incorporated,

Naples, TX;

Morris County National

Bank,

Naples, TX
Credit Suisse Group, TradeWeb, L.L.C., 4 New York April 16, 1997
Zurich, Switzerland, data processing (b)(7)

and Credit Suisse First
Boston Corp.,
New York, NY



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of

CRA lic Ev. ions
week ending May 16, 1997
INMEN TIN

Identification of Ratings

In connection with the assessment of each insured depository institution's CRA performance, a rating is
assigned from the following groups:

OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.

An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.

An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs
of its entire delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.

NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.

An institution in this group needs to improve its overall record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in
a manner consistent with its resources and capabilities.

SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient record of ascertaining and helping to meet the

credit needs of its entire delineated community, including low-and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.

BANK(S) EXAMINED DATE OF EXAMINATION CRA RATING

First Interstate Bank January 13, 1997 Satisfactory
of Commerce

Box 30918

Billings, MT 59116-0918



Addresses for Comments and Information Requests
Addresses for comments differ from those for information requests.

Addresses for Comments

Comments on the applications and notices may be sent to the appropriate Federal Reserve Bank or
the Board.

Federal Reserve Bank of Boston

Richard Walker, Community Affairs Officer, 600 Atlantic Avenue, Boston, MA
02106-2204

Federal Reserve Bank of New York
Betsy Buttrill White, Senior Vice President, 33 Liberty Street, New York, NY 10045-0001

Federal Reserve Bank of Philadelphia

Michael E. Collins, Senior Vice President, 100 North 6th Street, Philadelphia,
PA 19105-1521

Federal Reserve Bank of Cleveland

Jeffrey Hirsch, Banking Supervisor, 1455 East Sixth Street, Cleveland, OH
44101-2566

Federal Reserve Bank of Richmond
A. Linwood Gill, III, Assistant Vice President, 701 East Byrd Street, Richmond, VA 23261-4528

Federal Reserve Bank of Atlanta

Lois Berthaume, Vice President, 104 Marietta Street, N.W., Atlanta, GA
30303-2713

Federal Reserve Bank of Chicago

Philip Jackson, Applications Officer, 230 South LaSalle Street, Chicago, IL
60690-1413

Federal Reserve Bank of St. Louis
Randall C. Sumner, Vice President, 411 Locust Street, St. Louis, MO 63102-2034

Federal Reserve Bank of Minneapolis
Karen L. Grandstrand, Vice President, 250 Marquette Avenue, Minneapolis, MN 55480-2171

Federal Reserve Bank of Kansas City *
D. Michael Manies, Assistant Vice President, 925 Grand Avenue, Kansas City, MO 64198-0001

Federal Reserve Bank of Dallas
Genie D. Short, Vice President, 2200 North Pearl Street, Dallas, TX 75201-2272

Federal Reserve Bank of San Francisco

Pat Marshall, Manager of Analytical Support, Consumer Regulation Group, 101 Market Street, San
Francisco, CA 94105-1579

Board of Governors of the Federal Reserve System
William W. Wiles, Secretary, 20th & Constitution Avenue, N.W., Washington, DC 20551-0001



Federal Reserve Bank of Chicago

ion I - lications Subject to

Notice Only

Type Application

Merger & Branch M&I Marshall & Ilsley Bank
Milwaukee, Wisconsin
Security Bank, S.S.B.
Milwaukee, Wisconsin
and to establish 34 branches

Merger & Branch Old Kent Bank
Grand Rapids, Michigan
Old Kent Bank
Elmhurst, Illinois
and to establish 26 branches

NP - Newspaper
FR - Federal Register
* - Subject to Provisions of Community Reinvestment Act

** - Not available at this time

‘WSpa]

Comment Period
Endi te

NP -5-22-97

NP -5-22-97



Cole Camp

Bank of Holden
The Heritage Bank of St. Joseph
Farmers State Bank
Platte Valley State B&TC
Adams Bank & Trust Co
Citizens State Bank
Farmers State Bank
First State Bank of Taos
Citizens Bank of Ardmore
The Atoka State Bank
Boswell State Bank
The Citizens Bank of Edmond
First State Bank
Grant County Bank
Poteau State Bank

First Bank of Turley
Shoshone First Bank
Western Bank of Cody
Oregon Trail Bank
Lusk State Bank
First Security Bank
First State Bank of Newcastle
Riverton State Bank
Union State Bank

Examinations may have to be rescheduled during the calendar quarter in which they are
designated to begin. If an institution=s examination is rescheduled for a date later than the
end of the date range reflected in a published schedule, the institution=s name will be

republished in an appropriate later listing. Any comments received as a result of either the
first publication or subsequent publications will be considered during the examination.

*Application is subject to CRA.

Holden
St. Joseph
Stanberry
Kearney
Ogallala
Polk
Wallace
Taos
Ardmore
Atoka
Boswell
Edmond
Fairfax
Medford
Poteau
Tulsa OK
Cody
Cody
Guernsey
Lusk
Newcastle
Newcastle
Riverton
Upton

MO
MO
MO
NE

NE

NE

NE

NM
OK
OK
OK
OK
OK
OK
OK

WY
WY
Wy
wy
WY
WY
WY
WY


Federal Reserve Bank of Atlanta

Applications Bulletin for Week Ending May 16, 1997
ecently Approved Applications Approval Date
Community Trust Financial Services 05-16-97

Hiram, Georgia
To enter into a 49%/51% joint venture with Ronny Henderson in establishing Cash Transactions,
L.L.C., Hiram, Georgia (Company), and thereby engage de novo in data processing activities,
pursuant to Section 225.28(b)(14) of Regulation Y and Section 4(c)(8) of the Bank Holding
Company Act. Company will sell, lease, and service machines that disburse cash or cash
equivalents.

Deposit Guaranty Corp 05-16-97

Jackson, Mississippi
Request for waiver of the application requirement of Section 3(a)(5) of the Bank Holding
Company Act for Deposit Guaranty Corp., Jackson, Mississippi, to merge with NBC Financial
Corporation, Baton Rouge, Louisiana, and thereby directly acquire Bank of Commerce, Baton
Rouge, Louisiana.

Hancock Holding Company 05-12-97

Gulfport, Mississippi
Request for waiver of the application requirement of Section 3(a)(5) of the Bank Holding
Company Act to merge with Commerce Corporation, St. Francisville, Louisiana, and thereby
directly acquire Bank of Commerce & Trust Co., St. Francisville, Louisiana.



Applicant or notificant

Acquiree or activity

Section of law Reserve Bank

End of comment period

Glendening, Helen,
Pella, LA,

and

DeBruin, Harold A. and
Ethel R.,

Pella, [A

Gold Banc Corporation,
Inc.,
Prairie Village, KS

Greer, Elmo,
East Bernstadt, KY

Guaranty Bancshares
Corporation,
Kansas City, KS

Harris Financial MHC,
Harrisburg, PA

Hawkins Financial
Corporation,

Hawkins, TX;

and Hawkins Deleware
Financial Corporation,
Wilmington, DE

Hendricks, Randall J. ,
Elsie, NE;

and Orr, Warren ,
North Platte, NE

Hohl Financial, Inc.,
Wahoo, NE

Hyder, Ronald Hollis,
and McNabb, Garry
Wayne, both

of Livingston, TN, as co-
trustees of the Melissa
Lynn Oakley 1996 Trust

Leighton Investment
Company,

Leighton, IA;

Farmers Savings Banks,
Leighton, IA

Peoples Bancshares, Inc.,
Clay Center, KS, and
Peoples National Bank of
Clay Center, Clay Center,
KS

Cumberland Valley
Financial Company,
London, KY

Bank of Coffey,
Coffey, MO

Harris Financial Inc.,
Harrisburg, PA;
Harris Savings Bank,
Harrisburg, PA

The First State Bank of
Hawkins,
Hawkins, TX

Elsie, Inc.,

Elsie, NE;

Commercial State Bank,
Elsie, NE

Wahoo State Bank,
Wahoo, Nebraska

First Holding Company,
Inc.,

Livingston, TN,

First National Bank of the
Cumberlands,
Livingston, TN

CIBC

CIBC

CIBC

CIBC

Chicago

Kansas City

Cleveland

Kansas City

Philadelphia

Dallas

Kansas City

Kansas City

Atlanta

April 11, 1997

June 13, 1997

May 23, 1997

June 4, 1997

March 27, 1997

May 27, 1997

March 14, 1997

May 16, 1997

June 2, 1997



H.2

MAY 12, 1997 TO MAY 16, 1997

PAGE 8

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

BANK MERGERS

Chicago

BANKS, STATE MEMBER

Director, BS&R

CAPITAL STOCK

Dallas

CHANGE IN BANK CONTROL

Chicago

Security Savings Bank, Gowrie, Iowa -- to purchase
the assets and assume the deposit liabilities of
the Boxholm, Iowa, office of Boone Bank & Trust
Company, Boone, Iowa, and establish a branch.

Approved, May 14, 1997.

Jefferson Bank of Florida, Miami Beach, Florida --
registration as transfer agent.
Withdrawn, May 13, 1997.

New Mexico National Financial Inc., Roswell, New
Mexico -- redemption of shares.
Approved, May 14, 1997.

Osceola Bancorporation, Osceola, Iowa ~- change in
bank control.
Permitted, May 15, 1997.

COMPETITIVE FACTORS REPORTS

San Francisco

San Francisco

Bank of Newport, Newport, Oregon, proposed
acquisition of the assets and assumption of the
liabilities of the Waldport, Oregon, branch of
Wells Fargo Bank, N.A., San Francisco, California -
- report on competitive factors.

Submitted, May 14, 1997.

Bank of Washington, Lacey, Washington, proposed
acquisition of the Hoquiam, Montesano, Winlock, and
Toledo, Washington, branches of Wells Fargo Bank,
N.A., San Francisco, California -- report on
competitive factors.

Submitted, May 14, 1997.



Federal Reserve Bank of Richmond

Notice Only

Licati tod _Endi

United Bank, Arlington, Virginia, to
merge with Patriot National Bank,
Reston, Virginia.* 5-31-97

Licati jod Ending D

United Bankshares, Inc., Charleston,
West Virginia, to acquire First Patriot
Bankshares Corporation, Reston, Virginia.* 5-31-97

Notice of Change in Control filed by

Jeffery T. Valcourt with respect to

United Financial Banking Companies,

Inc., Vienna, Virginia. 6-3-97

Notice of Change in Control filed by

John W. Crites with respect to South

Branch Valley Bancorp, Inc., Moorefield,

West Virginia. 6-3-97**

First Citizens BancShares, Inc., Raleigh,

North Carolina, to acquire First Savings

Financial Corp., Reidsville, North

Carolina, and thereby indirectly acquire

its wholly owned subsidiary, First Savings

Bank of Rockingham County, SSB, Reidsville,

North Carolina.* 6-13-97**

Section III - Applications Subject to Federal Register Notice

Application Comment Period Ending Date

None.



Information Requests

The public portions of the applications and notices currently listed in this release are available on an
expedited basis from the appropriate Federal Reserve Bank. The public portion of the application also
may be obtained from the Board.

Federal Reserve Bank of Boston
Jonathan Fine (TEL: 617-973-3339; FAX: 617-973-3219)

Federal Reserve Bank of New York
Margaret Carmody (TEL: 212-720-7924; FAX: 212-720 -6628)

Federal Reserve Bank of Philadelphia
Rosanna Crosier (TEL: 215-574-6581; FAX: 215-574-4146)

Federal Reserve Bank of Cleveland
Jim Terlop (TEL: 216-579-2197; FAX: 216-579-2932)

Federal Reserve Bank of Richmond
Gaile Clark (TEL: 804-697-8825; FAX: 804-697-8283)

Federal Reserve Bank of Atlanta
Wayne Smith (TEL: 404-589-7265; FAX: 404-589-7342)

Federal Reserve Bank of Chicago
Frank Skweres (TEL: 312-322-4785; FAX: 312-322-5894)

Federal Reserve Bank of St. Louis
Cathie Windsor (TEL: 314-444-4638; FAX: 314-444-8740)

Federal Reserve Bank of Minneapolis
Paula Charles (TEL: 612-372-2982; FAX: 612-344-2702)

Federal Reserve Bank of Kansas City
Patty Biesemeyer (TEL: 816-881-2464; FAX: 816-881-2252)

Federal Reserve Bank of Dallas
Rob Jolley (TEL: 214-922-6071; FAX: 214-922-6302)

Federal Reserve Bank of San Francisco
Michael Johnson (TEL: 415-974-2995; FAX: 415-974-3031)

Board of Governors of the Federal Reserve System
Freedom of Information Office (TEL: 202-452-3684; FAX: 202-872-7562, and 202-872-7565)



Applicant or notificant

Acquiree or activity

Section oflaw Reserve Bank

End of comment period

Capitol Bancorp, Ltd.,
Lansing, MI

and Sun Community
Bancorp, Ltd.,
Tucson, AZ

Carson, Frank L., HI,
Mulvane, KS

Castle Creek Capital
Partners Fund-I, L.P.;
Castle Creek Capital,
L.L.C.; and Eggemeyer
Advisory Corporation,
all of San Diego, CA

CB Bancorp, Inc.,
Higginsport, OH

CCB Financial
Corporation,
Durham, NC

Century Bancorp, MHC,
Bridgeton, NJ;

and Century Bancorp,
Inc.,

Bridgeton, NJ

CH and JD Byrum, LLC,
Indianapolis, IN

Citizens Bancorp,
Corvallis, OR

Valley First Community 3
Bank,
Scottsdale, AZ

Mulvane Bankshares, Inc., CIBC
Mulvane, KS;

Mulvane State Bank,

Mulvane, KS

Rancho Santa Fe National 3
Bank,
Rancho Santa Fe, CA

The Citizens Bank, 3
Higginsport, OH

American Federal Banks, 4
F.S.B.,

Greenville, SC, mortgage
lending; acting as agent in

the sale of certain credit

related insurace; savings
association; and brokerage
services (b)(1)(iii), (8)¢i),

(9), and (15)

Century Savings Bank, 3
Bridgeton, NJ

American State Bank, 3

Lawrenceburg, IN;
American State Corporation,
Lawrenceburg, IN

Citizens Bank, 3
Corvallis, OR

Chicago

Kansas City

San Francisco

Cleveland

Richmond

Philadelphia

Chicago

San Francisco

May 27, 1997

April 23, 1997

April 25, 1997

March 24, 1997

May 16, 197

May 1, 1997

April 14, 1997

April 7, 1997


H.2A

Notice of Formations and Mergers of, and Acquisitions by, Bank Holding
Companies; Change in Bank Control

Notices Filed since the H.2A dated May 16, 1997

The following companies and individuals seek System approval to acquire a bank holding company,
a bank, or a nonbanking company in a transaction that is subject to the Bank Holding Company Act of
1956 (12 U.S.C. 1841 et seq.), the Change in Bank Control Act (12 U.S.C.1817(j)), Regulation Y (12
CFR Part 225), or other applicable statutes and regulations. Comments regarding the applications and
notices must be received in writing at the Reserve Bank indicated, or at the Board of Governors, no
later than the end of the public comment period. Addresses for the Board and Federal Reserve Banks
are listed at the end of this release.

The public portions of the applications and notices, as well as other related filings required by the
Board, may be obtained on an expedited basis by contacting the appropriate Federal Reserve Bank;

addresses are listed at the end of this release. Applications and notices also may be obtained from the
Board.

Applicant or notificant Acquiree or activity Section of law Reserve Bank End of comment period
Gideon Bancshares First Midwest Bank of 3 St. Louis June 20, 1997
Company, Chaffee,
Dexter, MO Chaffee, MO
Intra Financial Peoples Bancorp of 3 Kansas City June 20, 1997
Corporation, Belleville, Inc.,
Clyde, KS Belleville, KS, and

Peoples Bank of Belleville,

Belleville, KS
Midwest Midwest Bancshares, Inc., 3 St. Louis June 16, 1997
Bancorporation, Inc.; Poplar Bluff, MO, and
Midwest Bancshares, First Midwest Bank of
Inc., and Affiliated Dexter, Dexter, MO; First
Employee Midwest Bank of Piedmont,
Stock Ownership Plan, Piedmont, MO; and Carter

all of Poplar Bluff, MO County State Bank, Van
Buren, MO



Applicant or notificant Acquiree or activity Section oflaw Reserve Bank End of comment period
First Citizens First Savings Financial 3 Richmond June 13, 1997
BancShares, Inc., Corp.,
Raleigh, NC Reidsville, NC, and

First Savings Bank of

Rockingham County, Inc.,

SSB, Reidsville, NC
First Coastal Bancshares, _ First Coastal Bank, N.A., 3 San Francisco April 11, 1997
El Segundo, CA El Segundo, CA
First Commerical First Central Corporation, 3 St. Louis April 22, 1997
Corporation, Searcy, AR;
Little Rock, AR First National Bank,

Search, AR
First Financial Bancorp, Southeastern Indiana 3 Cleveland. April 14, 1997
Hamilton, OH Bancorp,

Vevay, IN;

Vevay Deposit Bank,

Vevay, IN
First National First National Community 3 Philadelphia May 10, 1997
Community Bancorp, Bank,
Inc., Dunmore, PA
Dunmore, PA
First Robinson Financial _ First Robinson Savings 3 St. Louis May 19, 1997
Corporation, Bank, National Association,
Robinson, IL Robinson, IL
First Security American Bancorp of 3 San Francisco May 27, 1997
Borporation, Nevada, Inc.,
Salt Lake City, UT Las Vegas, NV;

American Bank of

Commerce,

Las Vegas, NV
First Security First Security Corporation, 3 Atlanta May 12, 1997
Corporation Employee Norcross, GA;
Stock Ownership Plan, First Security National
Norcross, GA Bank,

Norcross, GA
Firstbank Corporation, Lakeview Financial 3 Chicago June 9, 1997
Alma, MI Corporation,

Lakeview, MI, and

Bank of Lakeview,

Lakeview, MI



40.
41.
42.
43.
44.
45.
46.

Federal Reserve Bank of Chicago

‘ion VI -

M&I Northern Bank

Baylake Bank

Fortress Bank of Westby

First Banking Center- Burlington
M&I Bank of Racine

M&I Marshall & Isley Bank
M&I Lake Country Bank

inations Schedule:

cont'd

Brookfield, Wisconsin
Sturgeon Bay, Wisconsin
Westby, Wisconsin
Burlington, Wisconsin
Racine, Wisconsin
Milwaukee, Wisconsin
Hartland, Wisconsin



;

Applicant or notificant Acquiree or activity Section of law Reserve Bank End of comment period
Tehama Bancorp, Tehema Bank, 3 San Francisco May 12, 1997
Red Bluff, CA. Red Bluff, CA
Tehama Bancorp, Bancorp Financial Services, 4 San Francisco May 5, 1997
Red Bluff, CA Sacramento, CA, leasing
. activities (b)(5)
Texas Financial Austin County Bancshares, 3 Dallas March 27, 1997
’ Bancorporation, Inc., Inc.,
Minneaplis, MN, Belleville, TX;
and Delaware Financial Austin County Bancshares-
Bancorporation, Inc., Delaware,
Wilmington, DE Wilmington, DE;
and Austin County State
Bank,
Belleville, TX.
Trustcorp Financial, Inc., | Missouri State Bank and 3 St. Louis June 2, 1997
St. Louis, MO Trust Company,
St. Louis, MO
Union Ilinois 1995 Union Illinois Company, 3 St. Louis May 10, 1997
Investment Limited Swansea, IL,
Partnership, Union Bank of Ollinois,
Swansea, IL Swansea, IL,
State Bank of Jerseyville,
Jerseyville, IL
Union Illinois Company, Missouri PayDay Loan 4 St. Louis May 19, 1997
Swansea, IL Company, Inc.,
St. Louis, MO;
Missouri Budget, Inc.,
St. Louis, MO, and
Budget Finance, Inc.,
St. Louis, MO, consumer
‘ credit (b)(1)
' United Community United Family Finance Co., 4 Atlanta March 25, 1997
. Banks, Inc., Blue Ridge, GA (formerly
Blairsville, GA Mountain Mortgage &
Loan, Inc.),
making, acquiring, or
servicing loans or other
extensions of credit (b)(1)
United Community United Family FinanceCo., 4 Atlanta April 25, 1997

Banks, Inc.,
Blairsville, GA.

Blairsville, GA, credit
insurance activities (b)(8)(ii)



RESERVE BANK APPLICATIONS BULLETIN For week ending May 16, 1997

FEDERAL RESERVE BANK OF ST. LOUIS

‘TI - RN
None.
SECTION II - APPLICATIONS SUBJECT TO BOTH.
NEWSPAPER AND FEDERAL REGISTER NOTICE
Application End of Comment Period

* Section 3(a)(1) notification by Village Bancshares,
Inc., Springfield, Missouri, to acquire Village Bank,
Springfield, Missouri, a proposed de novo bank. Newspaper: 6-10-97

* Section 4(c)(8) notification by Allegiant Bancorp,

Inc., St. Louis, Missouri, to acquire Reliance

Financial, Inc., St. Louis, Missouri, and thereby

acquire Reliance Federal Savings and Loan

Association, St. Louis, Missouri. Newspaper: 6-2-97

* Section 3(a)(1) notification by Midwest

Bancorporation, Inc., Poplar Bluff, Missouri, to

acquire Midwest Bancshares, Inc., Poplar Bluff,

Missouri. Newspaper: 6-16-97

*This notification is subject to CRA.



FEDERAL RESERVE BANK OF SAN FRANCISCO’

Week ending 5/16/97
Section VI_- CRA Examinations Scheduled

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

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

Name City State
American Pacific Bank Ausmsville Oregon
American Pacific State Bank Sherman Oaks California
Bank of Ephraim Ephraim Utah
Bank of Utah Ogden Utah
Cache Valley Bank Logan Utah
Farmers & Merchants Bank of

Central California Lodi California
Farmers & Merchants Bank of

Long Beach Long Beach California
First Utah Bank Salt Lake City Utah
Garfield Bank Montebello California
Hanmi Bank Los Angeles California
Harris Trust Bank of Arizona Scottsdale Arizona
Home Valley Bank Cave Junction Oregon
Ireland Bank Malad City Idaho
Oak Valley Community Bank Oakdale California
San Benito Bank Hollister California
Santa Barbara Bank & Trust Santa Barbara California
Security First Bank Anaheim California
Southern California Bank Anaheim California
Tehama County Bank Red Bluff California
Valley Bank of Arizona Phoenix Arizona

Verdugo Banking Company Glendale California


Federal Reserve Bank of Atlanta
licatis in for Week i a’ 1997

ection 6 - C) xaminations

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

Bank of Alabama, Birmingham, Alabama

Levy County Bank, Chiefland, Florida

Columbia Bank, Tampa, Florida

First Independence Bank of Florida, Ft. Myers, Florida
American Bank & Trust Company, Lake Wales, Florida
Mobile County Bank, Grand Bay, Alabama

First Vantage Bank-Tennessee, Knoxville, Tennessee
Merchants & Farmers Bank of Greene County, Eutaw, Alabama
Bank Independent, Sheffield, Alabama

First American Bank of Indian River County, Vero Beach, Florida
Southwest Georgia Bank, Moultrie, Georgia

Bank of Adairsville, Adairsville, Georgia

First United Bank, Boca Raton, Florida

Dadeland Bank, Miami, Florida

Guaranty Bank & Trust Company, Venice, Florida
First Community Bank, Orange City, Florida

Pan American Bank, Miami, Florida

Gulf Bank, Orange Beach, Alabama

Alabama Exchange Bank, Tuskegee, Alabama

The Terrace Bank of Florida, Tampa, Florida

Citizens Bank of Talladega, Talladega, Alabama



Applicant or notificant Acquiree or activity Section of law Reserve Bank End of comment period
BanPonce Corporation, National Bancorp, Inc., 3 New York April 21, 1997
and Streamwood, IL;

Poplar International AmericanMidwest Bank

Bank, Inc., and Trust,

both of Hato Rey, Melrose Park, IL

Puerto Rico

Bay Bankcorp, Inc., Baybank, 3 Minneapolis April 28, 1997
Gladstone, MI Gladstone, MI

Biggs, Danny; Grimes, First Wakeeney Agency, CIBC Kansas City May 30, 1996
Merlin & Nelva; ED&J, Inc., Great Bend,

Inc.; Carr, Ronald & KS, and Interstate Bank,

Carol; Sell, Steven J.; Great

Schenk, Schenk; Call, Bend, KS.

Dennis; and Southland,

R, Joe, Great Bend,

Kansas

BNB Bancorp, Inc., Brookville National Bank, 3 Cleveland April 28, 1997
Brookville, OH Brookville, OH

BonState Bancshares, Bonham State Bank, 3 Dallas April 25, 1997
Inc., Bonham, TX

Bonham, TX,

and Bonham Financial

Services, Inc.,

Dover, DE

CORRECTION

BonState Bancshares, Bonham Financial Services, 3 Dallas April 25, 1997
Inc., Inc.,

Bonham, TX, and Dover, DE;

Bonham Financial Bonham State Bank,

Services, Inc., Bonham, TX

Dover, DE

Briscoe, Dolph, Jr., Zavala Bankshares, Inc., CIBC Dallas April 16, 1997
Uvalde, TX Crystal City, TX

Buffalo Bancorp, Inc., Citizens State Bank, 3 Dallas May 8, 1997
Buffalo, TX; Buffalo, TX

Buffalo Corp.,

Dover, DE

California Community First Coastal Bancshares, 3 San Francisco April 11, 1997

LLC,
Los Angeles, CA

El Segundo, CA ;
First Coastal Bank, N.A.,
El Segundo, CA



Applicant or notificant

Acquiree or activity Section of law Reserve Bank

End of comment period

FirstFederal Financial
Services, Corp.,
Wooster, OH

FirstFederal Financial
Services, Corp.,
Wooster, OH

Fishback Financial
Corporation,
Brookings, SD

Florida Bancshares, Inc.,
Dade City, FL

Foffman Family, LLC,
Harrison, AR

Ford, Thomas Riley;
Nelson, Paul Emil; and
Southway, Henry
Thomas,

Alamosa, CO

GBC Bancorp, Inc.,
Lawrenceville, GA

Giltner Investment
Partnership, Ltd.,
Omaha, NE

FirstFederal Bank, N.A., 3 and4
Wooster, OH;

Mobile Consultants, Inc.,

Wooster, OH, lending

(YD) & (2)

Cleveland

Summit Bancorp, Inc., 3 and4 Cleveland
Akron, OH;

Summit Bank,

Arkron, OH;

Summit Banc Investment

Corporation,

Akron, OH, investment

advisory & securities

brokerage (b)(6) and (7)

lending activities (b)(1) 4 Minneapolis

First National Bank of 3 Atlanta
Pasco,
Dade City, FL

Mountain Home CIBC
bancshares, Inc.,

Mountain Home, AR;

First national Bank & Trust
Company of Mountain

Home,

Mountain Home, AR

St. Louis

Alamosa Bancorporation CIBC
Ltd.,

Alamosa, CO;

Alamosa National Bank,

Alamosa, CO

Kansas City

Gwinnett Banking 3 Atlanta
Company,

Lawrenceville, GA

(in organization)

The Avoca Company, 3
Avoca, NE;

Farmers State Bank,

Bennett, NE

Kansas City

May 12, 1997

May 12, 1997

May 16, 1997

April 21, 1997

May 2, 1997

May 1, 1997

April 10, 1997

May 5, 1997


H.2

MAY 12, 1997 TO MAY 16, 1997

PAGE 4&

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

BANK HOLDING COMPANIES

San Francisco

San Francisco

Atlanta

Dallas

Minneapolis

Chicago

San Francisco

San Francisco

San Francisco

Commerce Security Bancorp, Inc., Huntington Beach,
California -- to acquire ElDorado Bancorp, Irvine,
California.

Approved, May 16, 1997.

Commerce Security Bancorp, inc., Huntington Beach,
California -- to purchase an option to acquire
shares of ElDorado Bancorp, Irvine, California.

Approved, May 16, 1997.

Community Trust Financial Services Corporation,
Hiram, Georgia -- to enter into a joint venture to
establish Cash Transactions L.L.C., and engage de
novo in data processing activities.

Permitted, May 16, 1997.

Concordia Capital Corporation, Vidalia, Louisiana --
to acquire Concordia Bank & Trust Company.
Approved, May 14, 1997.

Conrad Co., Minneapolis, Minnesota -- to acquire
shares of National Mercantile Bancorp, Los Angeles,
California.

Approved, May 16, 1997.

County Bancorporation, Crawfordsville, Iowa -- to
acquire Hiawatha Bank & Trust Company, Hiawatha,
Towa.

Approved, May 15, 1997.

Dartmouth Capital Group, Inc., Huntington Beach,
California -- to acquire ElDorado Bancorp, Irvine,
California.

Approved, May 16, 1997.

Dartmouth Capital Group, Inc., Huntington Beach,
California -- to acquire an option to purchase
shares of ElDorado Bancorp, Irvine, California.

Approved, May 16, 1997.

Dartmouth Capital Group, L.P., Huntington Beach,
California -- to acquire ElDorado Bancorp, Irvine,
California.

Approved, May 16, 1997.



CTION III - F RAL RE CE ONL

APPLICATION OD ENDIN' TE

Commercial Guaranty Bancshares, Inc., Shawnee Not Available
Mission, Kansas; for prior approval to engage de novo

through its subsidiary, CGB Capital Corporation,

Shawnee Mission, Kansas, in acting as an agent for the

private placement of securities, pursuant to

225.28(b)(7)(iii) of the Bard=s Regulation Y.

CTION IV - APP. IN SUB. 0 FE GISTER NOT,
OR NEWSPAPER NOTICE

AP. IN

None
E NV -AVAT ILITY OF PUBLIC EVALUATION
Identification of Ratings

1. Jonnection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:

Outstanding record of meeting community credit needs

An institution in this group has an outstanding record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs

An institution in this group has a satisfactory record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Needs to improve record of meeting community credit needs

An institution in this group needs to improve its overall record of ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.


Federal Reserve Bank of Minneapolis
Section VI - CRA Examinations
Scheduled to Begin in the Period July 1, 1997 - September 30, 1997

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

Bank Name City State

North Shore Bank of Commerce Duluth Minnesota
Farmers State Bank of Madelia, Inc. Madelia Minnesota
First State Bank of Rushmore Rushmore Minnesota
Liberty State Bank St. Paul Minnesota
Plaza Park State Bank Waite Park Minnesota
The Citizens State Bank of Choteau Choteau Montana
Farmers State Bank of Montana Conrad Montana
Farmers State Bank of Denton Denton Montana
First Community Bank Glasgow Montana

The Yellowstone Bank Laurel Montana
Flint Creek Valley Bank Philipsburg Montana
Valley Bank of Ronan Ronan Montana

Ist United Bank of Sidney Sidney Montana
Western Bank of Wolf Point Wolf Point Montana
Dakota Western Bank Bowman North Dakota
Security State Bank of Edgeley Edgeley North Dakota
First Western Bank & Trust Minot North Dakota
State Bank of Alcester Alcester South Dakota
Farmers State Bank Faith South Dakota
Hand County State Bank Miller South Dakota

First PREMIER Bank Sioux Falls South Dakota



Applicant or notificant | Acquiree or activity Section of law Reserve Bank End of comment period
Lane, Richard E.(1); South Texas Capital Group, CIBC Dallas May 2, 1997
McFadin, Nick, Jr.; Inc.,
Krause, Charles San Antonio, TX;
F.; Rockwald Ltd.; Plaza International Bank,
Wolff, Gary W.; N.A,,
Meadows, Gilbert R.; G. San Antonio, TX;
G. Gale Family CONTINUED
Partners, Ltd.; BGG
Associates, LC;
Schroeder, George F.;
all of San Antonio, TX;
CONTINUED
Lane, Richard E.(2), South Texas Capital Group, CIBC Dallas May 2, 1997
San Antonio, TX; Inc.,
Garrett, Michael L. San Antonio, TX;
Garrett; Jack B. Plaza International Bank,
Sommerfield Defined N.A.,
Benefit Pension Plan, San Antonio, TX;
both of Dallas, TX; CONTINUED
Wolff, George A.;
Friddle, Paul R., both of
Boerne, TX;
CONTINUED
Lane, Richard E.(3), South Texas Capital Group, CIBC Dallas May 2, 1997
San Antonio, TX; Inc.,
Garrett, J. Patrick; and San Antonio, TX;
McDonie, Karen Plaza International Bank,
Wynne, N.A,,
Both of Houston, TX San Antonio, TX
Lashute, Ronald J., American Bancorp, Inc., CIBC Atlanta May 23, 1997
Opelousas, LA Opelousas, LA.
and American Bank &
Trust Company,
Opelousas, LA.
Lauritzen Corporation First National of Nebraska, 3 Kansas City June 2, 1997
qd), Inc., Omaha, NE, & First
Omaha, NE Nat'l Bank of Kansas,
CONTINUED Overland Park, KS; First
Nat'l Bank and Trust Co.,
Columbus, NE; Fremont
Nat'l Bank, Fremont, NE;
Platte Valley State Bank,

Kearney, NE; First Nat'l
Bank,
CONTINUED



FEDERAL RESERVE BANK OF NEW YORK

Comment Periad

SECTION IE
Applications Subject to Newspaper
——_—_Notice Only

None.
SECTION IT
Applications Subject to Both

None.

SECTION II]

. Nonbanking Applications

None.

SECTION TV
Applications Not Involving
Public Comment _

None.
SECTION V
Availability of CRA Public Evaluatio:

In connection with the assessment of each insured depository institution's
CRA performance, a rating is assigned from the following group:

Outstanding record of meeting community credit needs.

An institution in this group has an outstanding record of, and

is a leader in, ascertaining and helping to meet the credit

needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.

Satisfactory record of meeting community credit needs.

An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated
community, including low- and maderate- income neighborhoods,
in a manner consistent with its resources and capabilities.



Applicant or notificant

Acquiree or activity

Section oflaw Reserve Bank

End of comment period

Arrendale, Thomas A.,
Ill, Gainesville, GA,
Bussey, Cynthia A.,
Atlanta, GA, and
Arrendale, Nelle,
Clarkesville, GA, as
partners in the
Arrendale Undiversified
Family Limited
Partnership,

Baldwin, GA

Banco Bilbao Vizcaya,
S.A.
Bilbao. Spain

Bancorp Hawaii. Inc.,
Honolulu, Hf

Bancorp of New Glarus,
Inc.,
New Glarus, WI

Bank of Idaho Holding
Company,
Idaho Falls, 1D

Bank of New York
Company. Inc.,
New York. NY

BanPonce Corporation,
Hato Rey, PuertoRico;
Popular International
Bank, Inc.,

Hato Rey, Puerto Rico;
and BanPonce Financial
Corp.,

Wilmington, DE

Habersham Bancorp,
Cornelia, GA, and
Habersham Bank,
Clarkesville, GA

BBV LatInvest Securities
Inc.,

New York, NY,

securities activities (b)(1),
(b)(4), (b)(15), and (b)\(16)

CU Bancorp,

Encino, CA;

California United Bank,
Encino, CA

The Bank of New Glarus,
New Glarus, W1

Bank of Eastern Idaho,
Idaho Falls, LA

State Street Boston
Corporation,

Boston, MA;

State Street Bank and Trust
Company,

Boston, MA,

trust, securities and data
processing activities (b)(3),
(b)(4), and (6)(7)

CBC Bancorp, Ltd.,
Chicago, IL;

Capitol Bank of Westmont,
Westmont, IL;

Chicago Bank and Trust,
Chicago, IL

CIBC

3and4

Atlanta

New York

San Francisco

Chicago

San Francisco

New York

New York

June 5, 1997

March 4, 1997

May 5, 1997

June 6, 1997

June 9, 1997

March 14, 1997

April 21, 1997



Applicant or notificant Acquiree or activity Section of law Reserve Bank End of comment period
DUNN Investment Co., Dunn Shares, Inc., 3 Chicago May 16, 1997
Eagle Grove, IA Eagle Grove, IA;

Security Savings Bank,

Eagle Grove, IA;

and F&M Shares Corp.,

Eagle Grove, [A;

Farmers & Merchants

Savings Bank,

Manchester, LA.
Eagle Investment Eagle Bank, 3 Minneapolis June 13, 1997
Company, Inc., Glenwood, MN
Glenwood, MN
Eden Financial The First State Bank of 3 Dallas March 24, 1997
Corporation, Rankin,
San Angelo, TX Rankin, TX
Exchange Bankshares The Farmers and Merchants 3 Kansas City May 2, 1997
Corporation of Kansas, State Bank,
Atchison, KS Effingham, KS
F&M Bancorporation, Citizen's National 3 Chicago May 12, 1997
Inc., Bancorporation,
Kaukana, WI; Darlington, WI;
F&M Merger Citizen's National Bank of
Corporation, Darlington,
Kaukana, WI Darlington, WI
F&M Bancorporation. Wisconsin Ban Corp., 3 Chicago May 12, 1997
Inc., Prairie Du Chien, W1;
Kaukana, WI; Prairie City Bank,
F&M Merger Prairie Du Chien, WI
Corporation,
Kaukana, WI
F.N.B. Corporation, Sun Bancorp, Inc., 3and4 Cleveland April 10, 1997
Hermitage, PA Selinsgrove, PA;

Sun Bank,

Selinsgrove, PA;

Pennsylvania Sun Life

Insurance Company,

Phoenix, AR, insurance
&)(8)(i)



FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICAT: RECEIVED NEWSPAPE!
NOTICE ONLY
Ambassador Bank of The Commonwealth, Allentown, PA to merge with thrift (Pennsylvania

chartered saving bank) Wilbur Savings Bank, Bethlehem, PA, pursuant to Section 5(d)(3) of
the Federal Deposit Insurance Act.

Newspaper comment period expires: 06/09/97
NIT - RECEI AND TO BOT: APER
Ki REGISTE TICE
NONE
ECT Itt - APPLICATI: RECEIVED AND T TO FEDERAL
REGI NOTICE
NONE
JECTION IV - ATION: IVED AN T DDERAL
REGISTER NOTICE OR NEWSPAPER

Greater Delaware Valley Holdings A Mutual Company, Broomall, PA request approval to

waive dividends on the capital stock of its subsidiary Greater Delaware Valley Savings Bank,
Broomall, PA.

MBNA America Bank, N.A., Wilmington, DE to establish a foreign branch of its subsidiary
bank MBNA International Bank Limited, Chester, England to be located in Dublin, Republic

of Ireland, pursuant to Section 211.3(a)(1) of Regulation K.



H.2

MAY 12, 1997 TO MAY 16, 1997

PAGE 3

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

BANK BRANCHES, DOMESTIC

Minneapolis

Chicago

Cleveland

Cleveland

Chicago

BANK HOLDING COMPANIES

Secretary

Cleveland

St. Louis

San Francisco

First Interstate Bank of Commerce, Billings,
Montana -- to establish a branch in Bozeman,
Montana.

Approved, May 15, 1997.

Huron Community Bank, East Tawas, Michigan -- to
establish a branch at 3150 East Huron Road, Au
Gres, Michigan.

Approved, May 16, 1997.

Marblehead Bank, Marblehead, Ohio -- to establish a
branch at 259 South Bridge Road, Danbury Township,
Ohio.

Approved, May 16, 1997.

Minster State Bank, Minster, Ohio -- to establish a
branch at Wagner's IGA, East Fourth Street.
Approved, May 16, 1997.

Security Savings Bank, Gowrie, Gowrie, Iowa -- to
establish a branch at 200 2nd Street, Boxholm,
Towa.

Approved, May 14, 1997.

Bancorp Hawaii, Inc., Honolulu, Hawaii -- to acquire
CU Bancorp, Encino, California, and California
United Bank.

Approved, May 13, 1997.

BNB Bancorp, Inc., Brookville, Ohio -- to acquire
Brookville National Bank.
Approved, May 15, 1997.

Central Bancompany, Inc., Jefferson City, Missouri --
to acquire Warrensburg Bancshares, Inc.,
Warrensburg, Missouri, and Bank of Warrensburg.

Approved, May 13, 1997.

Citizens Bancorp, Corvallis, Oregon -- to acquire
Citizens Bank,.
Approved, May 16, 1997.



Federal Reserve Bank of Chicago

Section VI - CRA Examinations Scheduled

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

during the examination.

LaSalle Bank Illinois

Bank of America Illinois

The State Bank of Geneva
Foxdale Bank

Kansas State Bank

The Farmers Bank of Mt. Pulaski
The Northern Trust Company
Parish Bank and Trust Company
Villa Park Trust & Savings Bank
10. McHenry State Bank

11. Hartsburg State Bank

12. 1st Source Bank

13. Central Bank

14. Community State Bank

15. The Fifth Third Bank of Central Indiana
16. Peoples Bank and Trust Company
17. Mercantile Bank of Western Iowa
18. Security Trust & Savings Bank
19. — St. Ansgar State Bank

20. First American Bank

21. Fort Madison Bank and Trust Co.
22. First State Bank

23. Central State Bank

24. Iowa State Bank and Trust Company
25. | Templeton Savings Bank

26. — First Bank & Trust Co.

27. First State Bank

28. First American Bank

29. First American Bank

30. Old Kent Bank

31. Byron Center State Bank

32. Chelsea State Bank

33. State Bank of Caledonia

34. — Tri-County Bank

35. | The Onsted State Bank

36. The State Bank of Coloma

37. | Chemical Bank Bay Area

38. Farmers & Merchants Bank of Orfordville
39. .M&lI Bank of Menomonee Falls

PRONAWAYWNE

Franklin Park, Illinois
Chicago, Illinois
Geneva, Illinois

South Elgin, Ilinois
Kansas, Illinois

Mount Pulaski, Illinois
Chicago, Illinois
Momence, Illinois
Villa Park, Illinois
McHenry, Illinois
Hartsburg, Illinois
South Bend, Indiana
Russiaville, Indiana
Avilla, Indiana
Indianapolis, Indiana
Sunman, Indiana

Des Moines, Iowa
Storm Lake, Iowa
Saint Ansgar, Iowa
Fort Dodge, Iowa
Fort Madison, Iowa
Churdan, Iowa
Elkader, Iowa
Fairfield, lowa
Templeton, Iowa
Glidden, Iowa
Manchester, Iowa
Jewell, Iowa

Webster City, Iowa
Grand Rapids, Michigan
Byron Center, Michigan
Chelsea, Michigan
Caledonia, Michigan
Brown City, Michigan
Onsted, Michigan
Coloma, Michigan
Bay City, Michigan
Orfordville, Wisconsin
Menomonee Falls, Wisconsin



Applicant or notificant

Acquiree or activity

Section of law Reserve Bank

End of comment period

Valcourt, Jeffery T.,
Arlington, VA

Vermont Financial
Services Corp.,
Brattleboro, VT

Village Bancshares,
Inc.,
Springfield, MO

West Point Bancorp,
Inc.,
West Point, NE

Whipple Family Limited
Partnership,
Arkadelphia, AR

Young, William
Howerton,
Fredonia, KY

Zions Bancorporation,
Salt Lake City, UT

United Financial Banking
Companies, Inc.,

Vienna, VA, and

The Business Bank,
Vienna, VA

Eastern Bancorp, Inc.,
Dover, NH

savings association,
Vermont Federal Bank,
FSB,

Williston, VT, (6)(9)

Village Bank,
Springfield, MO (a de
novo state charted bank)

Dakota Bancshares, Inc.,
West Point, NE;

Dakota County State Bank,
West Point, NE

Horizon Bancorp, Inc.,
Arkadelphia AR;
Horizon Bank, Inc.
Malvern, AR

Fredonia Valley Bancorp,
Inc.,

Fredonia, KY

and Fredonia Valley Bank,
Fredonia, KY

Tri-State Bank,
Montpelier, ID

CIBC

CIBC

Atlanta

Boston

St. Louis

Kansas City

St. Louis

St. Louis

San Francisco

June 5, 1997

April 14, 1997

June 16, 1997

April 18, 1997

May 27, 1997

May 23, 1997

June 6, 1997


Lic in for We May 16, 199
ecti - licati j News) i nl
Application Comment Period Ending Date
Ist United Bank 06-12-97*

Boca Raton, Florida
To merge with Seaboard Savings Bank, F.S.B., Stuart, Florida, pursuant to Section 18(c) of the
Federal Deposit Insurance Act.

1st United Bank 06-12-97*

Boca Raton, Florida
To acquire the assets and assume certain liabilities of Seaboard Savings Bank, F.S.B., Stuart,
Florida, pursuant to Section 5(d)(3) of the Federal Deposit Insurance Act, as amended by the
Federal Deposit Insurance Corporation Improvement Act of 1991.

Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice

Application Comment Period Ending Date
1st United Bancorp 06-12-97*
Boca Raton, Florida Federal Register

To acquire Seaboard Savings Bank, F.S.B., Stuart, Florida, and thereby engage in operating a
savings association, pursuant to Section 225.28(b)(4)(ii) of Regulation Y and Section 4(c)(8) of the
Bank Holding Company Act.

First Bankshares, Inc. 05-30-97*

Longwood, Florida Federal Register
Change in control notice by Ms. Susma Patel and Messrs. Suketu (Suku) Madhusudan Patel, Parimal
(Perry) Kantibhai Patel, Bharat Muljibhai Amin, and Dennis John Lloyd King (the Patel Group), to
collectively acquire 43.06 percent of the outstanding shares of First Bankshares, Inc., Longwood,
Florida.

Habersham Bancorp Not yet available*
Cornelia, Georgia

Change in control notice by Thomas A. Arrendale, III, Cynthia A. Bussey, and Nelle Arrendale

(Arrendale Undiversified Family Limited Partnership), collectively to acquire 12.48 percent of the

outstanding shares of Habersham Bancorp, Comelia, Georgia.

* Subject to the provisions of the Community Reinvestment Act.



H.2

MAY 12, 1997 TO MAY 16, 1997

PAGE 2

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

EORMS

REGULATIONS AND POLICIES

Bank Holding Company Forms: Bank Holding Company
Intercompany Transactions and Balances (FR Y-8) and
Report of Intercompany Transactions for Foreign
Banking and their U.S. Subsidiaries (FR Y-8f) --
extension without revision.

Approved, May 14, 1997.

Regulation C -- amendment to the Board's Home
Mortgage Disclosure regulation making an interim
rule that raises the exemption level for small
institutions (Docket R-0951).

Approved, May 15, 1997.

Regulation J -- request for comments on amendments to
provide for interstate branching and single account
structure.

Approved, May 13, 1997.

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

ABBREVIATIONS: BS&R - Banking Supervision and Regulation; C&CA - Consumer and

Community Affairs; FOMC -

Federal Open Market Committee; FRBO - Federal Reserve

Bank Operations; IF - International Finance; OSDM - Office of Staff Director

for Management
BANK BRANCHES, DOMESTIC

Atlanta

Philadelphia

Minneapolis

Aliant Bank, Alexander City, Alabama -- to establish
a branch at 1100 Corporate Parkway, Hoover,
Alabama.

Approved, May 13, 1997.

East Penn Bank, Emmaus, Pennsylvania -- to establish
a branch at the intersection of Route 100 and West
End Trail, Borough of Macungie, Pennsylvania.

Approved, May 13, 1997.

First Interstate Bank of Commerce, Billings,
Montana -- to establish branches in Kalispell and
Whitefish, Montana.

Approved, May 14, 1997.


FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF MAY 12, 1997

TION I_- APPLICATION: ‘T_TO_ NEWSPAPER
NOTICE ONLY

APPLICATION NOT XP

*Section 9 application by

Landmark Bank Mid-Cities. Euless, TX.

to establish a branch at

6000 Harris Parkway, Fort Worth, TX 76132 97/06/15

SECTION IT _- APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE

PPLICATION ** NOT.

*Section 3(a)(1) application by

Fannin Bancorp. Inc.. Employee Stock Ownership

Plan & Trust, Windom, TX, to acquire

Fannin Bancorp. Inc., Windom. TX. and

Fannin Bank, Windom, TX : N/A

*Section 3(a)(3) application by

Mansfield Bancshares. Inc.. Mansfield, LA,

to acquire Riverside Bancshares. Inc.. Logansport, LA.

and Bank of Logansport, Logansport, LA 97/06/16
(Previously reported during the week of 97/05/05)

SECTION IIT - APPLICATIONS SUBJECT TO FEDERAL REGISTER

NOTICE ONLY
PP TION TT
None.
1. -_APPLICAT E
R_NEW IT
APPLICATION
None.

* SUBJECT TO CRA.
** EXPIRATION DATE IS THE DATE SPECIFIED IN THE NEWSPAPER NOTICE ONLY.
N/A - WOT AVAILABLE AT THIS TIME.

XP

XP


Federal Reserve Bank of Chicago

n- icati ject to Both Ni rand Fe 1
it tice cont’

Comment Period

Type Application Ending Date
3(a)3) Country Bancorporation* FR - 5-12-97
Crawfordsville, lowa NP - 4-7-97

Hiawatha Bank and Trust Company (in organization)
Hiawatha, Iowa

3(a)(3) Community Financial Corp.* FR - 5-16-97
Edgewood, Iowa NP - 3-31-97
Community Savings Bank (in organization)
Robins, Iowa

3(a)(1) Bancorp of New Glarus, Inc.* FR - 6-6-97
New Glarus, Wisconsin NP - 6-2-97
Bank of New Glarus
New Glarus, Wisconsin

3(a)(1) Peoples Financial Services, Inc.* ER - 5-23-97
Hamtramck, Michigan NP - 5-10-97
Peoples State Bank
Hamtramck, Michigan

3¢a)(1) Dunn Investment Co.* FR - 5-16-97
Eagle Grove, Jowa NP - 5-16-97
Dunn Shares

Eagle Grove, Iowa

Security Savings Bank

Eagle Grove, lowa

F & M Shares Corp.

Eagle Grove, Iowa

Farmers & Merchants Savings Bank
Manchester, Iowa

3(a)(3) Shorebank Corporation* FR - 5-17-97
Chicago, Illinois NP - 5-28-97
Shorebank Pacific Corporation
Ilwaco, Washington.
Shoretrust Bank
Seattle, Washington

3¢a)(1) Shorebank Pacific Corporation* FR - 5-17-97
Ilwaco, Washington NP - 5-28-97
Shoretrust Bank

Seattle, Washington



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section I - Applications Subject to

Newspaper Notice Only

Comment Period

Application Ending Date
NONE.

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

News; deral Register Noti
Comment Period
Application Ending Date
Stearns Financial Services, Inc., St. Cloud, Minnesota June 6, 1997
for prior approval to acquire 80% of the voting shares of the (Federal Register)

Arizona Community Bank of Scottsdale, Scottsdale, Arizona. *

Financial Services of St. Croix Falls. Inc., St. Croix Falls, Wisconsin June 6, 1997
for prior approval to acquire 100% of the voting shares of the (Federal Register)
State Bank of Dennison, Dennison, Minnesota. *

Eagle Investment Company, Inc.. Glenwood. Minnesota for prior approval June 13, 1997
to become a bank holding company through the acquisition of (Federal Register)
98.25% of the voting shares of Eagle Bank. Glenwood, Minnesota. *

*Subject to CRA

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section III - Applications Subject

toF | Register Notice Only
Comment Period
Application Ending Date
NONE.
FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice
Application

Minnesota BANKFIRST, Minneapolis, Minnesota
for prior approval to become a member of the
Federal Reserve System.



ral ve f
Applications Bulletin for Week Ending May 16, 1997

Section 10 - Availability of CRA Public Evaluations

The CRA public evaluations of the insured depository institutions listed below became available
during this week. Information about an institution's CRA evaluation may be obtained directly
from the institution. In connection with the assessment of an institution's CRA performance, a
rating is assigned from the following groups:

Outstanding record of meeting community credit needs: An institution has an outstanding
record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs: An institutionhas a satisfactory record
of ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

Needs to improve record of meeting community credit needs: An institution needs to improve
its overall record of ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.

Substantial noncompliance in meeting community credit needs: An institution has a
substantially deficient record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.

Bank CRA Rating Examination Date

Friendship Community Bank Satisfactory 02-03-97
8375 SW State Road 200

Ocala, Florida 34481

(904) 854-2265

United Bank & Trust Satisfactory 02-03-97
Company

Post Office Box 14517

St. Petersburg, Florida 33733

(813) 522-9434

First Western Bank Satisfactory 02-03-97
5854 South Flamingo Road

Cooper City, Florida 33330

(954) 434-7600


FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

SECTION I_- APPLICATIONS SUBJECT TO

NEWSPAPER NOTICE ONLY
mment P.
NONE
- APP. ATI
NEWSPAPER AND FEDERAL REGISTER NOTICE
Comment Period Ending Date
NONE
NT - APPL
FEDERAL REGISTER NOTICE ONLY
Comm Period i
NONE

appli .
|
| NONE

SECTION V_- AVAILABILITY OF CRA PUBLIC EVALUATIONS

NONE

SECTION VI_- APPLICATIONS BULLETIN

applications and notices submitted to the Federal Reserve Bank of Boston for
processing under section 3 and 4(c) (8) of the Bank Holding Company Act of 1956, as
amended, will be available 24 hours a day by calling the following

toll-free number 1-800-896-9480.

|
|
Effective April 21, 1997, information regarding the comment periods associated witr

*Subject to CRA.

**Rating Definitions: "O" - Outstanding; "S" - Satisfactory; "N" - Needs to
Improve; "SN" - Substantial Noncompliance



Applicant or notificant

Acquiree or activity Section of law

Reserve Bank

End of comment period

First Bank System, Inc.

(2),
Minneapolis, MN
CONTINUED

First Bank System, Inc.

@),
Minneapolis, MN
CONTINUED

First Bank System, Inc.
@),

Minneapolis, MN
CONTINUED

First Bank System, Inc.

First Citizens Bancorp,
Cleveland, TN

First State Bank of Oregon, 3and4
Canby, OR; Sun Capital

Bank, St. George, UT; and

Business & Professional

Bank, Woodland, CA; West

One Trust Co., Salt Lake

City, UT; LNB Corp.,

Alameda, CA; and U.S.

Bank Trust Co., Portland,

OR, CONTINUED

personal and institutional
trust & fiduciary activities
(bX3); U.S. Bancorp
Insurance Agency, Inc.,
Portland, OR, insurance
agency activities (b)(8){i)
and (vii); U.S. Trade
Services, Inc., Portland,
OR, letter of credit
activities, (b)(1)(iv);
CONTINUED

3and4

West One Life Insurance
Co., Portland, OR, credit
reinsurance (b)(8)(i); CBI
Mortgage, Modesto, CA,
mortgage banking
(6)(1)Gii); Compass Group,
Inc., Spokane, WA,
investment advisory
services (b)(4); Island
Bancorp Leasing, Inc.,
Alameda, CA,
CONTINUED

3and4

leasing & equipment
financing (b)(5); and
numerous partnerships,
community development

activities, (b)(6)

3and4

The Home Bank FSB, 4
Ducktown, TN, savings
association (b)(9)

Minneapolis

Minneapolis

Minneapolis

Minneapolis

Atlanta

May 16, 1997

May 16, 1997

May 16, 1997

May 16, 1997

April 25, 1997



Addresses for Comments and Information Requests
Addresses for comments differ from those for information requests.

Addresses for Comments

Comments on the applications and notices may be sent to the appropriate Federal Reserve Bank or
the Board.

Federal Reserve Bank of Boston

Richard Walker, Community Affairs Officer, 600 Atlantic Avenue, Boston, MA
02106-2204

Federal Reserve Bank of New York
Betsy Buttrill White, Senior Vice President, 33 Liberty Street, New York, NY 10045-0001

Federal Reserve Bank of Philadelphia

Michael E. Collins, Senior Vice President, 100 North 6th Street, Philadelphia,
PA 19105-1521

Federal Reserve Bank of Cleveland

Jeffrey Hirsch, Banking Supervisor, 1455 East Sixth Street, Cleveland, OH
44101-2566

Federal Reserve Bank of Richmond
A. Linwood Gill, III, Assistant Vice President, 701 East Byrd Street, Richmond, VA 23261-4528

Federal Reserve Bank of Atlanta

Lois Berthaume, Vice President, 104 Marietta Street, N.W.. Atlanta, GA
30303-2713

Federal Reserve Bank of Chicago

Philip Jackson, Applications Officer, 230 South LaSalle Street, Chicago, IL
60690-1413

Federal Reserve Bank of St. Louis
Randall C. Sumner, Vice President, 411 Locust Street, St. Louis, MO 63102-2034

Federal Reserve Bank of Minneapolis
Karen L. Grandstrand, Vice President, 250 Marquette Avenue, Minneapolis, MN 55480-2171

Federal Reserve Bank of Kansas City
D. Michael Manies, Assistant Vice President, 925 Grand Avenue, Kansas City, MO 64198-0001

Federal Reserve Bank of Dallas
Genie D. Short, Vice President, 2200 North Pear! Street, Dallas, TX 75201-2272

Federal Reserve Bank of San Francisco

Pat Marshall, Manager of Analytical Support, Consumer Regulation Group, 101 Market Street, San
Francisco, CA 94105-1579

Board of Governors of the Federal Reserve System
William W. Wiles, Secretary, 20th & Constitution Avenue, N.W., Washington, DC 20551-0001



SECTION V_- AVAILABILITY OF CRA PUBLIC EVALUATIONS
FOR THE WEEK OF MAY 12, 1997

Qutstanding record of meeting community credit needs.

An institution in this group has an outstanding record of, and is a
leader in, ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.

Satisfactory record of meeting community credit needs.

An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.

Needs to Improve record of meeting community credit needs.

An institution in this group need to improve its overall record of
ascertaining and helping to meet the credit needs of its entire
delineated community. including low- and moderate-income neighborhoods.
jin a manner consistent with its resources and capabilities.

Substantial Noncompliance in meeting community credit needs.

An institution in this group has a substantially deficient record of
ascertaining and helping to meet the credit needs of its entire
delineated community. including low- and moderate-income neighborhoods.
in a manner consistent with its resources and capabilities.

Date of
Bank Examination RA Rating

Crowell State Bank

P.O. Box 848

100 East Commerce

Crowell, TX 79227

701857 97/02/10 Satisfactory



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 5/16/97

Section I- Applications Subject to N Jotice Onl

licati C nt Period Ending D
None
Section II - ications Subj B
Newspaper and Federal Register Notice
Clifford R. Ronnenberg, Sunset Beach, California, Newspaper: 5/23/97
to increase his ownership up to 27.8 percent of
Security First Bank, Fullerton, California. * Fed Reg.: 5/27/97
Security State Corporation to become a bank holding Newspaper: Not available
company by acquiring Security State Bank, both of
Centralia, California. * Fed. Reg.: Not available
Bank of Idaho Holding Company to become a bank Newspaper: 6/09/97
holding company by acquiring Bank of Eastern Idaho,
both of Idaho Falls, Idaho. * Fed, Reg.: Not available

None

None

* Subject to CRA.



Needs to improve record of meeting community credit needs.

An institution in this group needs to improve its overall record

of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate income
neighborhoods, in a manner consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs.

An institution in this group has a substantially deficizat

record of ascertaining and helping to meet the credit nee... of its entire
delineated community, including low- and maderate- income
neighborhoods, in a manner consistent with its resources and capabilities.

Week Ending May 17,1997
N E RATING EXAM ON E
None.
CRA Examinations Schedul in in Thi

Examinations may have to be rescheduled during the calendar quarter in which they are

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

Interchange State Bank Bank of Millbrook

Park 80 West/Plaza Two P.O, Box AF, Franklin Avenue
Saddle Brook, New Jersey 07663 Millbrook, New York 12545
Bank of Smithtown Bank of Cattaraugus

One East Main Street 24 Main Street

Smithtown, New York 11787 Cattaraugus, New York 14719
Bank of New York Tioga State Bank

One Wall Street One North Main Street

New York, New York 10015 Spencer, New York 14883
Summit Bank

210 Main Street

Hackensack, New Jersey 07601

V/ Subject to provisions af Community Reinvestment Act.
2/ Later of dates specified in newspaper and Federal Register notices.
2/ Date specified in newspaper notice; a later date may be specified in

notice.

the

4/ Date specified in Federal Register notice; a later date may be
specified in the newspaper notice.
N/A - Not Available