Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 39

Week Ending September 26, 1998

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions September 20, 1998 to September 26, 1998

Testimony And Statements

Economic conditions in emerging markets -- Statement by Chairman Greenspan 

before the Senate Committee on the Budget, September 23, 1998.

- Published, September 23, 1998 

Bank Holding Companies

NationsBank Corporation, Charlotte, North Carolina -- requests for reconsideration 

of the Board's approval of the application to acquire BankAmerica Corporation, San 

Francisco, California.

- Denied, September 21, 1998 

Travelers Group Inc., New York, New York -- to acquire Citicorp and its bank and 

nonbank subsidiaries, including Citibank, N.A., and to retain certain nonbanking 

subsidiaries and investments of Travelers, including Salomon Smith Barney, Inc., and 

Travelers Bank & Trust, FSB, Newark, Delaware.

- Approved, September 23, 1998 

Regulations And Policies

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

for Internal Control Systems of Banking Organisations.

- Published, September 22, 1998 

Basle Committee on Banking Supervision -- issuance of two papers entitled 

Enhancing Bank Transparency and Operational Risk Management.

- Published, September 22, 1998 

Regulation C -- final rule concerning the year 2000 data systems conversion and 

other technical changes (Docket No. R-0999).

- Approved, September 21, 1998 

Regulation DD -- final amendments concerning lobby signs and certain disclosures 

for automatically renewable time accounts (Docket No. R-1003).

- Approved, September 21, 1998 

Regulation E -- final amendment to revise the time periods for investigating claims 

involving point-of-sale and foreign-initiated transactions (Docket No. R-1007).

- Approved, September 21, 1998 

(AC) = Addition or Correction Board - Page 1 of 2
H.2 Board Actions September 20, 1998 to September 26, 1998

Regulations And Policies

Regulation M -- final amendments concerning consumer leasing disclosures and 

other technical changes to the regulation and commentary (Docket No. R-1004).

- Approved, September 21, 1998 

Sound Credit Risk Management and the Use of Internal Credit Risk Ratings at Large 

Banking Organizations -- issuance of supervisory letter.

- Published, September 21, 1998 

Reserve Bank Operations

Payor Bank Services Trial Period -- revision to S-letter 2539 extending the free trial 

period for certain payor bank services to two weeks; replaced by S-letter 2591.

- Approved, August 13, 1998 (AC)

Enforcement

ShoreBank, Cleveland, Ohio -- written agreement dated August 21, 1998, with the 

Federal Reserve Bank of Cleveland and the Ohio Division of Financial Institutions.

- Announced, September 18, 1998 (AC)

(AC) = Addition or Correction Board - Page 2 of 2
September 20, 1998 to September 26, 1998

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Bank of Isle of Wight, Smithfield, Virginia -- to establish a branch at 776 J. Clyde 

Morris Boulevard, Newport News, Virginia.

- Approved, September 25, 1998 

Richmond

Berks County Bank, Reading, Pennsylvania -- to establish a branch at 3900 Hamilton 

Center, 3900 Hamilton Boulevard, Township South Whitehall, Pennsylvania.

- Approved, September 23, 1998 

Philadelphia

Comerica Bank, Detroit, Michigan -- to establish a branch at 5270 Eastern Avenue, 

S.E., Grand Rapids, Michigan.

- Returned, September 23, 1998 

Chicago

Fifth Third Bank of Kentucky, Inc., Louisville, Kentucky -- to relocate a branch from 

2312 S. Preston Street to 2425 S. Shelby Street.

- Approved, September 25, 1998 

St. Louis

First Virginia Bank - Colonial, Richmond, Virginia -- to establish a branch at 1 

Richard E. Byrd Terminal Drive.

- Approved, September 22, 1998 

Richmond

Michigan Heritage Bank, Novi, Michigan -- to establish a branch at 28270 Orchard 

Lake Road, Farmington Hills, Michigan.

- Approved, September 21, 1998 

Chicago

(AC) = Addition or Correction Delegated - Page 1 of 11
H.2 Actions under delegated authority September 20, 1998 to September 26, 1998

Bank Holding Companies

Acadiana BancShares, Inc., Lafayette, Louisiana -- to acquire an interest in Cadence 

Holdings, L.L.C., and engage in consumer lending activities.

- Approved, September 21, 1998 

Atlanta

Banc Corporation, Birmingham, Alabama -- to merge with Warrior Capital 

Corporation and acquire The Bank.

- Approved, September 23, 1998 

Atlanta

Banc Corporation, Birmingham, Alabama -- to merge with First Citizens Bancorp, 

Inc., Monroeville, Alabama, and acquire First Citizens Bank of Monroe County; to 

merge with City National Corporation Sylacauga, Alabama, and acquire City 

National Bank of Sylacauga; and to merge with Commercial Bancshares of Roanoke, 

Inc., Roanoke, Alabama, and acquire Commercial Bank of Roanoke.

- Approved, September 23, 1998 

Atlanta

Commerce Bancshares, Inc., Kansas City, Missouri, and CBI-Kansas, Inc. -- to 

acquire Fidelity Bankshares, Inc., Garden City, Kansas; Fidelity State Bank; and 

Heritage Bank of Olathe, Olathe, Kansas.

- Approved, September 21, 1998 

Kansas City

East Side Bancorporation, Inc., Chicago, Illinois -- waiver of application to acquire 

Bank of Lyons, Lyons, Illinois.

- Granted, September 25, 1998 

Chicago

First Gilmer Bankshares, Inc., Gilmer, Texas -- to acquire Security State Bank, Ore 

City, Texas.

- Approved, September 24, 1998 

Dallas

(AC) = Addition or Correction Delegated - Page 2 of 11
H.2 Actions under delegated authority September 20, 1998 to September 26, 1998

Bank Holding Companies

First National Corporation, Orangeburg, South Carolina -- to establish NewSouth 

Financial Services Corporation, Florence, South Carolina, and acquire certain assets 

of Superior Mortgage Corporation.

- Approved, September 22, 1998 

Richmond

Fleet Financial Group, Inc., Boston, Massachusetts -- determination that Fleet 

Financial Group and its subsidiaries had established satisfactory policies and 

procedures in conformance with the Board's requirements, and that Fleet Securities, 

Inc., may commence underwriting and dealing in debt and equity securities subject to 

the conditions of the Board's approval order.

- Granted, September 24, 1998 

Director, BS&R

FNB Corporation, Hermitage, Pennsylvania -- to acquire shares of Sun Bancorp, 

Inc., Selinsgrove, Pennsylvania.

- Approved, September 25, 1998 

Cleveland

Intra Financial Corporation, Clyde, Kansas -- to acquire shares of Arizona 

Bancshares, Inc., Flagstaff, Arizona, and to acquire First State Bank.

- Approved, September 24, 1998 

Kansas City

Morrill Bancshares, Inc., Sabetha, Kansas -- to acquire shares of Morrill & Janes 

Bancshares, Inc., Hiawatha, Kansas, and Morrill & Janes Bank & Trust Company.

- Approved, September 24, 1998 

Kansas City

National Commerce Bancorporation, Memphis, Tennessee -- to acquire, through 

merger, First Community Bancorp, Inc., Cartersville, Georgia, and First Community 

Bank and Trust.

- Approved, September 23, 1998 

St. Louis

(AC) = Addition or Correction Delegated - Page 3 of 11
H.2 Actions under delegated authority September 20, 1998 to September 26, 1998

Bank Holding Companies

Ohio Valley Bancorp, Gallipolis, Ohio -- to acquire Jackson Savings Bank, Jackson, 

Ohio.

- Approved, September 25, 1998 

Cleveland

Pacific Century Financial Corporation, Honolulu, Hawaii -- request for relief from 

commitment to obtain prior approval before merging First Federal Savings and Loan 

Association of America into a different type of financial institution.

- Granted, September 25, 1998 

Director, BS&R

Pepperell Bankshares Financial Group, Inc., Biddeford, Maine -- to acquire Pepperell 

Trust Company.

- Approved, September 23, 1998 

Boston

PHS Bancorp MHC, Beaver Falls, Pennsylvania -- to acquire shares of PHS 

Bancorp, Inc.

- Approved, September 25, 1998 

Cleveland

PHS Bancorp, Inc., Beaver Falls, Pennsylvania -- to acquire Peoples Home Savings 

Bank.

- Approved, September 25, 1998 

Cleveland

Putnam County Bancorp, Inc., Hennepin, Illinois -- to acquire Bank of Ladd, Ladd, 

Illinois.

- Approved, September 25, 1998 

Chicago

Quantum Capital Corporation, Suwanee, Georgia -- request for waiver of 

commitment.

- Granted, September 24, 1998 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 11
H.2 Actions under delegated authority September 20, 1998 to September 26, 1998

Bank Holding Companies

Savannah Bancorporation, Savannah, Georgia -- to merge with Bryan Bancorp, Inc., 

Richmond Hill, Georgia, and acquire Bryan Bank and Trust.

- Approved, September 23, 1998 

Atlanta

Second National Financial Corporation, Culpeper, Virginia -- to acquire Virginia 

Heartland Bank, Fredericksburg, Virginia.

- Approved, September 22, 1998 

Richmond

South Alabama Bancorporation, Inc., Mobile, Alabama -- to acquire Commercial 

National Bank of Demopolis, Demopolis, Alabama.

- Approved, September 21, 1998 

Secretary

Union Planters Corporation, Memphis, Tennessee, and Union Planters Holding 

Corporation -- to acquire LaPlace Bancshares, Inc., LaPlace, Louisiana, and Bank of 

LaPlace of St. John the Baptist Parish, Louisiana.

- Approved, September 24, 1998 

St. Louis

Wilmington Trust Corporation, Wilmington, Delaware -- to acquire WT 

Investments, Inc., and its interests in Cramer Rosenthal McGlynn, LLC, White 

Plains, New York; Roxbury Capital Management, LLC, Santa Monica, California; 

and Clemente Capital, Inc., New York, New York.

- Approved, September 25, 1998 

Philadelphia

XEON Financial Corp., Stateline, Nevada -- to acquire Nevada Banking Company.

- Approved, September 21, 1998 

San Francisco

Bank Mergers

Laurel Bank, Johnstown, Pennsylvania -- to merge with The Peoples National Bank 

of Rural Valley, Rural Valley, Pennsylvania.

- Approved, September 22, 1998 

Philadelphia

(AC) = Addition or Correction Delegated - Page 5 of 11
H.2 Actions under delegated authority September 20, 1998 to September 26, 1998

Bank Mergers

Virginia Heartland Interim Bank, Fredericksburg, Virginia -- to merge with Virginia 

Heartland Bank, and to establish branches.

- Approved, September 22, 1998 

Richmond

Banks, Foreign

Bank Austria AG, Vienna, Austria, and Anteilsverwaltung-Zentralsparkasse -- 

request to file an application under Regulation K to establish offices in the United 

States after consummation of the proposed merger of Bank Austria AG with 

Creditanstalt AG.

- Approved, September 21, 1998 

General Counsel

Banks, Nonmember, And Miscellaneous Institutions

National Farm Life Insurance Company, Fort Worth, Texas -- deregistration under 

Regulation U.

- Approved, August 14, 1998 (AC)

Dallas

Palm Harbor Homes, Inc., Dallas, Texas -- deregistration under Regulation U.

- Approved, August 14, 1998 (AC)

Dallas

Transco Federal Credit Union, Houston, Texas -- deregistration under Regulation U.

- Approved, August 14, 1998 (AC)

Dallas

U.S. Intec, Inc., Port Arthur, Texas -- deregistration under Regulation U.

- Approved, August 14, 1998 (AC)

Dallas

Ultramar Diamond Shamrock, San Antonio, Texas -- deregistration under Regulation 

U.

- Approved, August 14, 1998 (AC)

Dallas

(AC) = Addition or Correction Delegated - Page 6 of 11
H.2 Actions under delegated authority September 20, 1998 to September 26, 1998

Banks, State Member

Eldorado Bank, Tustin, California -- payment of a dividend.

- Approved, September 24, 1998 

San Francisco

Capital Stock

Cleburne State Bank, Cleburne, Texas -- redemption of shares.

- Approved, September 23, 1998 

Dallas

Change In Bank Control

Cumberland Valley Financial Corporation, London, Kentucky -- change in bank 

control.

- Withdrawn, September 24, 1998 

Cleveland

Monticello Bankshares, Inc., Monticello, Kentucky -- change in bank control.

- Permitted, September 24, 1998 

St. Louis

North Valley Bank, Corning, Ohio -- change in bank control.

- Permitted, September 22, 1998 

Cleveland

Ohio Valley Bancorp, Inc., Henderson, Kentucky -- change in bank control.

- Permitted, September 22, 1998 

St. Louis

Union-Adams Bancorp, Creston, Iowa -- change in bank control.

- Permitted, September 22, 1998 

Chicago

Competitive Factors Reports

BankIowa of Waterloo, Waterloo, Iowa -- report on competitive factors of the 

proposed merger with BankIowa of Norway, Norway, Iowa.

- Submitted, September 25, 1998 

Chicago

(AC) = Addition or Correction Delegated - Page 7 of 11
H.2 Actions under delegated authority September 20, 1998 to September 26, 1998

Competitive Factors Reports

Farmers State Bank, Pittsfield, Illinois -- report on competitive factors of the 

proposed acquisition of certain assets and assumption of the liabilities of the Hull, 

Illinois, branch of UnionBank/West, Macomb, Illinois.

- Submitted, September 21, 1998 

St. Louis

First American Federal Savings Bank, Roanoke, Virginia -- report on competitive 

factors of the proposed merger with Pioneer Bank, F.S.B., East Ridge, Tennessee.

- Submitted, September 24, 1998 

Secretary

First American National Bank, Nashville, Tennessee -- report on competitive factors 

of the proposed purchase of the East Ridge branch of First American Federal Savings 

Bank, Roanoke, Virginia.

- Submitted, September 24, 1998 

Secretary

First Midwest Bank, National Association, McHenry, Illinois -- report on 

competitive factors of the proposed merger with Heritage Bank, Blue Island, Illinois.

- Submitted, September 23, 1998 

Chicago

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

merger with Farmers State Bank of McNabb, McNabb, Illinois.

- Submitted, September 25, 1998 

Chicago

First State Community Bank, Farmington, Missouri -- report on competitive factors 

of the proposed acquisition by merger of the Malden, Portageville, and Hayti, 

Missouri, branches of Mercantile Bank of Southeast Missouri, Poplar Bluff, Missouri.

- Submitted, September 22, 1998 

Secretary

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

proposed merger with Granger State Bank, Granger, Minnesota.

- Submitted, September 23, 1998 

Minneapolis

(AC) = Addition or Correction Delegated - Page 8 of 11
H.2 Actions under delegated authority September 20, 1998 to September 26, 1998

Competitive Factors Reports

Liberty Bank, Springfield, Missouri -- report on competitive factors of the proposed 

merger with Sac River Valley Bank, Stockton, Missouri.

- Submitted, September 24, 1998 

St. Louis

Mercantile Trust Company, N.A., St. Louis, Missouri -- report on competitive 

factors of the proposed merger with FFG Trust, Inc., Springfield, Illinois.

- Submitted, September 22, 1998 

Secretary

Putnam County Bank, Hennepin, Illinois -- report on competitive factors of the 

proposed merger with Bank of Ladd, Ladd, Illinois.

- Submitted, September 25, 1998 

Chicago

St. Francis Capital Corporation, Milwaukee, Wisconsin -- report on competitive 

factors of the proposed merger with Reliance Savings Bank.

- Submitted, September 25, 1998 

Chicago

Sun Security Bank of America, Mountain Grove, Missouri -- report on competitive 

factors of the proposed merger with First Sun Bank of America, Ellington, Missouri.

- Submitted, September 24, 1998 

St. Louis

Union Savings Bank, Freeport, Illinois -- report on competitive factors of the 

proposed purchase of the assets and assumption of the liabilities of the 1320 N. State 

Street, Belvidere, Illinois, branch of TCF National Bank, Burr Ridge, Illinois.

- Submitted, September 23, 1998 

Chicago

Water Tower Bank, Chicago, Illinois -- report on competitive factors of the 

proposed merger with WT Interim Bank.

- Submitted, September 25, 1998 

Chicago

(AC) = Addition or Correction Delegated - Page 9 of 11
H.2 Actions under delegated authority September 13, 1998 to September 19, 1998

Extensions Of Time

BankAmerica Corporation, San Francisco, California, and Bank of America, 

NT&SA -- extension to December 17, 1998, to establish ZAO Bank of America, 

Moscow, Russia.

- Granted, September 18, 1998 (AC)

San Francisco

East Coast Bank Corporation Employee Stock Ownership Plan Trust, Ormond 

Beach, Florida -- extension to December 27, 1998, to acquire shares of East Coast 

Bank Corporation.

- Granted, September 24, 1998 

Atlanta

FirstMerit Corporation, Akron, Ohio -- extension to December 17, 1998, to acquire 

Security First Corp., Mayfield Heights, Ohio.

- Granted, September 23, 1998 

Cleveland

Republic Bancshares, Inc., St. Petersburg, Florida -- extension to January 2, 1999, to 

acquire Lochaven Federal Savings and Loan Association, Winter Park, Florida, and 

engage in operating a savings association.

- Granted, September 25, 1998 

Atlanta

Spring Hill Holdings Corporation, Longview, Texas, and Spring Hill Delaware, Inc., 

Wilmington, Delaware -- extension to October 31, 1998, to acquire Spring Hill State 

Bank, Longview, Texas.

- Granted, September 22, 1998 

Dallas

Membership

East County Bank, N.A., Antioch, California -- to retain membership in the Federal 

Reserve System on conversion from a national charter to a state charter.

- Approved, September 24, 1998 

San Francisco

(AC) = Addition or Correction Delegated - Page 10 of 11
H.2 Actions under delegated authority September 20, 1998 to September 26, 1998

Membership

Valley Bank of Helena, Helena, Montana -- to become a member of the Federal 

Reserve System.

- Approved, September 25, 1998 

Minneapolis

Virginia Heartland Interim Bank, Fredericksburg, Virginia -- to become a member of 

the Federal Reserve System.

- Approved, September 22, 1998 

Richmond

Reserve Bank Operations

Federal Reserve Bank of New York -- to act as fiscal agent in connection with 

proposed issue of bonds by the Asian Development Bank.

- Approved, September 22, 1998 

General Counsel

(AC) = Addition or Correction Delegated - Page 11 of 11
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, September 26, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, September 26, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Ridgewood Financial, MHC, and Ridgewood Financial, Inc.,

both of Ridgewood, New Jersey, to become bank holding

companies with respect to Ridgewood Savings Bank,

Ridgewood, New Jersey.*

Fed. Reg - 10/22/1998

3(a)(3) Valley National Bancorp, Wayne, New Jersey, to acquire up to

9.9 percent of the common stock of Vista Bancorp, Inc.,

Phillipsburg, New Jersey.*

N/Avail

CIBC Marvin Fisher Family Limited Partnership to acquire 25 percent

or more of the shares of TSB Services, and thereby indirectly

control Tioga State Bank, both of Spencer, New York.

Newspaper - 10/07/1998

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Dresdner Bank AG, Frankfurt, Germany, through Dresdner

RCM Global Investors LLC, San Francisco, California, to

acquire Caywood-Scholl Capital Management, San Diego,

California, and thereby indirectly engage in nonbanking

activities.

10/12/1998
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) United Overseas Bank Limited, Singapore to engage indirectly

through its to-be-formed 70 percent owned subsidiary, UOB

Global Capital, LLC, a Delaware limited liability company, in

acting in agency or custodial capacities pursuant to Section

225.28(b)(5) of Regulation Y and engaging in financial and

investment advisory activities pursuant to section 225.28(b)(6)

of RegulationY.

10/12/1998

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None
Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, September 26, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Susquehanna Bancshares, Inc., Lititz, PA, to acquire First

Capitol Bank, York, PA

Newspaper - N/Avail

Fed Reg. - 10/23/1998

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

S/R East Penn Bank, Emmaus, PA, to repurchase 100,000 of East

Penn Common Stock from Main Street Bancorp, Reading, PA
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, September 26, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c)

Branch

Received application from The Citizens Banking Company,

Salineville, OH on 09/25/1998 to merge with Century National

Bank and Trust Company, Rochester, PA and incident thereto

establish branch offices.

*10/21/1998

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Received notice from PNC Bank Corp., Pittsburgh, PA on

09/25/1998 of its intent to acquire Hilliard-Lyons, Inc.,

Louisville, KY.

N/Avail

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None Community First Bank and Trust 8/3/1998 X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, September 26, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch King George State Bank, Inc., King George, Virginia, to

establish a branch at James Madison Parkway, just northwest

of its intersection with County Road 614, King George County,

Virginia.*

10/16/1998

Branch Metro-County Bank of Virginia, Inc., Mechanicsville, Virginia,

to establish a branch at 2801 Parham Road, Richmond,

Virginia.*

10/20/1998

*Subject to provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(5) Mid-Atlantic Community BankGroup, Inc., Gloucester,

Virginia, to acquire United Community Bankshares, Inc.,

Franklin, Virginia.*

Fed Reg – 10/23/1998

Newspaper – N/Avail

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) BB&T Corporation, Winston-Salem, North Carolina, to

acquire Scott & Stringfellow Financial, Inc., Richmond,

Virginia.

Fed Reg – 10/12/1998

4(c)(8) First Frederick Financial Corporation, Frederick, Maryland,

to place cash dispensing machines in locations owned or

leased by unaffiliated third parties and thereby engage in data

processing activities.

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, September 26, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Harris Trust/Bank of Montreal, West Palm Beach, Florida, to

establish a branch located at 2940 Cardinal Drive, Vero Beach,

Florida.

10/15/1998*

18(c) Republic Security Bank, West Palm Beach, Florida, to acquire

certain assets and assume certain liabilities of two branches of

Household Bank, F.S.B., Wood Dale, Illinois, located at 777 South

Harbour Island Boulevard, Tampa, Florida, and 400 North Bumby

Avenue, Orlando, Florida.

10/23/1998*

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

located at 5636 Tavilla Circle, Naples, Florida.

10/19/1998*

*Subject to provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(1) OGS Investments, Inc., Ocala, Florida, to become a bank holding

company by acquiring Florida Citizens Bank, Ocala, Florida.

N/Avail*

*Subject to provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

OAKAR AmSouth Bank, Birmingham, Alabama (formerly AmSouth Bank

of Walker County), after-the-fact application to assume the SAIFinsured deposits held by the former AmSouth Bank of Tennessee,

Chattanooga, Tennessee.

COM Bank at Ormond By-The-Sea, Ormond Beach, Florida, 

commitment waiver request.

Section V – Availability of CRA public evaluations

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

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

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

revised in May 1995.

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

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

facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, September 26, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Michigan Heritage Bank

Novi, Michigan

 28270 Orchard Lake Road

 Farmington Hills, Michigan

Newspaper – 09/12/1998

Branch Comerica Bank

Detroit, Michigan

 5270 Eastern Avenue, S.E.

 Grand Rapids, Michigan

Newspaper – 09/25/1998

Newspaper - Newspaper Comment Period Ending Date

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

Type Application

Ending date of

comment period

3(a)(5) Associated Banc-Corp.*

Green Bay, Wisconsin

 Citizens Bankshares, Inc.

 Shawano, Wisconsin

 Citizens Bank, National Association

 Shawano, Wisconsin

Fed Reg – 10/19/1998

Newspaper - N/Avail

3(a)(1) Ambank Holdings, Inc.*

Davenport, Iowa

 American Bank and Trust Company (in organization)

 Davenport, Iowa

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(1) St. Charles Financial Corporation*

Oak Brook, Illinois

 Commerce Bancorp, Inc.

 Berkeley, Illinois

 National Bank of Commerce

 Berkeley, Illinois

Fed Reg – N/Avail

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

Type Application

Ending date of

comment period

3(a)(3) Community Bancshares Corp.*

Indianola, Iowa

 Fort Des Moines Community Bank (in organization)

 Des Moines, Iowa

Fed Reg – N/Avail

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Fed Reg - Federal Register Comment Period Ending Date

Newspaper - Newspaper Comment Period Ending Date

N/Avail - Not Available (Not yet available; Not available at this time)

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Associated Banc-Corp.

Green Bay, Wisconsin

 Wisconsin Finance Corporation

 Shawano, Wisconsin

 Citizens Financial Services, Inc.

 Shawano, Wisconsin

Fed Reg – 10/19/1998

Fed Reg - Federal Register Comment Period Ending Date

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

1857087 Royal American Bank

1604 Colonial Pkwy.

Inverness, Il 60049-4725

(847) 202-8300

05/11/1998 09/22/1998 O X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, September 26, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch *Notice by Lemay Bank and Trust Company, St. Louis,

Missouri, to establish a branch at 13457 Tesson Ferry Road,

Suite 10, St. Louis, Missouri.

Newspaper – 10/12/1998

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC Notice involving Holly Grove Bancshares, Inc., Holly Grove,

Arkansas, by John Allison and Robert H. Adcock (previously

reported during the week ending September 19, 1998).

Newspaper – 10/6/1998

Fed Reg – 10/8/1998

CIC Notice involving Jamestown Bancorp, Inc., Jamestown,

Kentucky, by William W. Magruder.

Newspaper – N/Avail.

Fed Reg – N/Avail.

3(a)(5) *Notice by First Citizens Bancshares, Inc., Dyersburg,

Tennessee, to acquire First Volunteer Corporation, Union City,

Tennessee.

Newspaper – 10/19/1998

Fed Reg – 10/23/1998

4(c)(8) *Notice by Decatur Bancshares, Inc., Decatur, Arkansas, to

acquire Grand Federal Savings Bank, Grove, Oklahoma.

Newspaper – 10/30/1998

Fed Reg – 10/23/1998

3(a)(5) *Notice by Area Bancshares Corporation, Owensboro,

Kentucky, to acquire Peoples Bancorp of Winchester, Inc.,

Winchester, Kentucky.

Newspaper – 10/13/1998

Fed Reg – 10/26/1998

3(a)(3) *Notice by Arvest Bank Group, Inc., Bentonville, Arkansas, to

acquire TRH Bank Group, Inc., Norman, Oklahoma.

Newspaper – N/Avail.

Fed Reg – 10/26/1998

3(a)(3) *Notice by First Bank Corp, Fort Smith, Arkansas, to acquire

Sebastian Bankshares, Inc., Barling, Arkansas.

Newspaper – N/Avail.

Fed Reg – N/Avail.

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

Type Application

Ending date of

comment period

4(c)(8) Notice by New London Bancshares, Inc., New London,

Missouri, to engage in general insurance agency activities in a

place where it or its subsidiary has a lending office and that has

a population not exceeding 5,000, pursuant to Section

225.28(b)(11)(iii) of Regulation Y.

Fed Reg – 10/12/1998

4(c)(8) Notice by Bank of the Ozarks, Inc., Little Rock, Arkansas, to

acquire John R. Taylor Financial Group, Inc., Fort Smith,

Arkansas, and thereby engage in financial and investment

advisory activities pursuant to Section 225.28(b)(6) of

Regulation Y, securities brokerage activities pursuant to Section

225.28(b)(7)(i) of Regulation Y, riskless principal activities

pursuant to Section 225.28(b)(7)(ii) of Regulation Y, and

underwriting and dealing in government obligations and money

market investments pursuant to Section 225.28(b)(8) of

Regulation Y.

Fed Reg – N/Avail

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

913847 Springdale Bank and Trust

Springdale, Arkansas

5/26/1998 9/22/1998 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, September 26, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Lake Bank Shares, Inc. Employee Stock Ownership Plan,

Emmons (not Albert Lea), Minnesota, for prior approval to

become a bank holding company through the acquisition of

30.0% of the voting shares of Lake Bank Shares, Inc., Emmons,

Minnesota.*

Fed Reg - 10/08/1998

3(a)(3) Norwest Corporation, Minneapolis, Minnesota, for prior

approval to acquire 100% of the voting shares of Franklin

Bancshares, Inc., Franklin, Texas.*

N/Avail

CIC Michael J. Dalsin to acquire control of Empire Bancshares

Incorporated, Sioux Falls, South Dakota.

N/Avail

CIC Robert C. Rice to acquire control of Citizens State Bank of

Arlington, Arlington, South Dakota.

Fed Reg - 10/02/1998

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

309851 Root River State Bank

Chatfield, Minnesota

06/15/1998 09/21/1998 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, September 26, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Bugbee Family Limited Partnership, Leawood, Kansas, to

become a bank holding company through the acquisition of

56.35 percent of the voting shares of Quinter Insurance Services,

Inc., Quinter, Kansas; and thereby indirectly acquire First

National Bank, Quinter, Kansas.

Newspaper – 10/19/1998

Fed Reg – 10/16/1998

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Member Legacy Bank, Hinton, Oklahoma, for membership in the Federal

Reserve System.

Member Legacy Bank TC, Blanchard, Oklahoma, for membership in the

Federal Reserve System.

Member Legacy Bank ACB, Binger, Oklahoma, for membership in the

Federal Reserve System.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, September 26, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Security Bank, Ralls, TX, to merge with

First State Bank, Petersburg, TX*

Newspaper – N/Avail

Branch Security Bank, Ralls, TX, to establish a branch at

1523 Main St., Petersburg, TX 79250*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, September 26, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Farmers & Merchants Bank of Rockford, Spokane, Washington,

to establish a branch office at 508 West Third, Spokane,

Washington. *

Newspaper - 10/11/1998

* Subject to the provisions of the Community Reinvestment Act

 Newspaper - Newspaper Comment Period Ending Date

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

Type Application

Ending date of

comment period

CIC Matt Calvin Packard and Mark William Packard, Springville,

Utah, to each retain voting shares of The F. Calvin Packard

Family Limited Partnership, Springville, Utah, and thereby

indirectly acquire Central Bancorporation and Central Bank,

both of Provo, Utah. *

Newspaper - 09/23/1998

Fed Reg - 10/12/1998

* Subject to the provisions of the Community Reinvestment Act

Fed Reg - Federal Register Comment Period Ending Date

Newspaper - Newspaper Comment Period Ending Date

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

4(c)(8) Imperial Bancorp, Los Angeles, California, to acquire First

Houston Financial Services, Inc., Houston, Texas, and thereby

engage in nonbanking activities.

Member McKenzie State Bank, Springfield, Oregon, to become a

member of the Federal Reserve System.

Investment BankAmerica International Investment Corporation, Chicago,

Illinois, to make an investment of $40 million in Spanish

Telecommunications Limited, S.a.r.l., Luxembourg.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

181169 Foothill Independent Bank

510 S Grand Avenue

P.O. Box 1297

Glendora, CA 91741-4207

(818) 963-8551

04/27/1998 09/24/1998 S X

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

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

for errors or omissions.
Section VI – CRA examinations scheduled for Quarter of

Institution Location

None