Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 40

Week Ending September 30, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions September 24, 2000 to September 30, 2000

Bank Holding Companies

FleetBoston Financial Corporation, Boston, Massachusetts, and North Fork 

Bancorporation, Inc., Melville, New York -- for FleetBoston to acquire shares of 

North Fork Bancorporation and its depository subsidiaries, North Fork Bank, 

Mattituck, New York, and Superior Savings of New England, N.A., Branford, 

Connecticut; and for North Fork Bancorporation to acquire Dime Bancorp, Inc., 

New York, New York, its depository subsidiary, The Dime Savings Bank of New 

York, FSB, and its nonbanking subsidiaries.

- Approved, September 27, 2000 

Banks, Foreign

Banca Antoniana Popolare Veneta S.c.p.a.r.l, Padua, Italy -- to establish a branch in 

New York, New York.

- Approved, September 25, 2000 

Banco Venezolano de Credito S.A.C.A., Caracas, Venezuela -- to establish a 

representative office in Miami, Florida.

- Approved, September 27, 2000 

Forms

HMDA Loan/Application Register (FR HMDA-LAR), and International 

Applications and Prior Notifications Under Subpart B of Regulation K (FR K-2) -- 

extension without revision.

- Approved, September 25, 2000 

Regulations And Policies

Regulation Z -- final rule amending the disclosure requirements for certain credit and 

charge card applications and solicitations.

- Approved, September 19, 2000 (AC)

Enforcement

Olathe Bancorporation, Inc., Olathe, Colorado, and Olathe State Bank -- written 

agreement dated September 12, 2000, with the Federal Reserve Bank of Kansas City 

and the Colorado Division of Banking.

- Announced, September 27, 2000 

(AC) = Addition or Correction Board - Page 1 of 1
September 24, 2000 to September 30, 2000

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

AmSouth Bank, Birmingham, Alabama -- to establish branches at 4042 Scenic 

Highway 30-A, Seagrove, Florida, and 2045 Old Groves Road, Naples.

- Approved, September 29, 2000 

Secretary

Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 7807-D Rea 

Road, Charlotte.

- Approved, September 25, 2000 

Secretary

Citizens Trust Bank, Atlanta, Georgia -- to establish a branch at 1046 Broadway, 

Columbus.

- Approved, September 28, 2000 

Atlanta

The Farmers and Merchants Bank, Prairie Grove, Arkansas -- to establish a branch at 

315 East Pridemore Drive, Lincoln.

- Approved, September 25, 2000 

St. Louis

Midwest Bank of Western Illinois, Monmouth, Illinois -- to establish a branch at 

1120 N. 6th Street.

- Approved, September 25, 2000 

Chicago

Placer Sierra Bank, Auburn, California -- to establish a branch at 112 Harding 

Boulevard, Roseville.

- Approved, September 27, 2000 

San Francisco

PNB Financial Bank, Lubbock, Texas -- to establish a branch at 919 Congress 

Avenue, Austin.

- Approved, September 27, 2000 

Dallas

(AC) = Addition or Correction Delegated - Page 1 of 9
H.2 Actions under delegated authority September 24, 2000 to September 30, 2000

Bank Branches, Domestic

Premier Bank of Brentwood, Brentwood, Tennessee -- to establish a branch at 1101 

Wilson Pike.

- Approved, September 29, 2000 

Atlanta

Salin Bank and Trust Company, Indianapolis, Indiana -- to establish a branch at 110 

W. Main Street, Fort Wayne.

- Approved, September 29, 2000 

Chicago

Southern Commercial Bank, St. Louis, Missouri -- to establish a branch at 6969 

South Lindbergh Boulevard.

- Approved, September 27, 2000 

St. Louis

SouthTrust Bank, Birmingham, Alabama -- to establish branches at 12100 

Greenspoint and 1233 West Loop South, both in Houston, Texas.

- Approved, September 29, 2000 

Atlanta

Bank Holding Companies

BANKFIRST Corporation, Inc., Sioux Falls, South Dakota -- to engage in 

purchasing credit card receivables through BANKFIRST Funding, Inc.

- Withdrawn, September 25, 2000 

Minneapolis

Britton & Koontz Capital Corporation, Natchez, Mississippi -- waiver of application 

in connection with the proposed merger of its subsidiary bank, Britton & Koontz 

First National Bank, with Louisiana Bank & Trust Company, Baton Rouge, 

Louisiana, and the acquisition of Louisiana Bancshares, Inc.

- Granted, September 25, 2000 

Atlanta

Cathay Bancorp, Los Angeles, California -- waiver of application in connection with 

the proposed merger of Cathay Bank and Kermit State Bank, Kermit, Texas.

- Granted, September 25, 2000 

San Francisco

(AC) = Addition or Correction Delegated - Page 2 of 9
H.2 Actions under delegated authority September 24, 2000 to September 30, 2000

Bank Holding Companies

Central Financial Corporation, Hutchinson, Kansas -- to acquire shares of Bank of 

Nevada, Las Vegas, Nevada.

- Approved, September 25, 2000 

Kansas City

Central Financial Corporation, Hutchinson, Kansas -- to acquire shares of New 

Frontier Bancshares, Inc., St. Charles, Missouri, and New Frontier Bank, a de novo 

bank.

- Approved, September 28, 2000 

Kansas City

CommunityOne Bancshares, Inc., Plymouth, Minnesota -- to become a bank holding 

company through the acquisition of Community Bank Plymouth.

- Approved, September 25, 2000 

Minneapolis

Cumberland Bancorp, Inc., Nashville, Tennessee -- waiver of application in 

connection with the proposed formation of Cumberland Interim Bank, Brentwood, 

and acquisition through merger of Bank of Mason, Mason.

- Returned, September 25, 2000 

Atlanta

F.F. Holding Corp., West Chicago, Illinois -- to retain an interest in Rush-Oak 

Corporation, Chicago, and thereby acquire Oak Bank.

- Approved, September 26, 2000 

Chicago

First Liberty Capital Corporation Employee Stock Ownership Plan, Hugo, 

Colorado -- to become a bank holding company through the acquisition of shares of 

First Liberty Capital Corporation and The First National Bank of Hugo.

- Approved, September 26, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 9
H.2 Actions under delegated authority September 24, 2000 to September 30, 2000

Bank Holding Companies

New Frontier Bancshares, Inc., St. Charles, Missouri -- to become a bank holding 

company through the acquisition of New Frontier Bank, a de novo bank, and for 

Mercantile Bancorp, Inc., Quincy, Illinois, to acquire shares of New Frontier 

Bancshares.

- Approved, September 27, 2000 

St. Louis

Niagara Bancorp, MHC, Lockport, New York, and First Niagara Financial Group, 

Inc. -- to acquire Iroquois Bancorp, Inc. and Cayuga Bank, both in Auburn; and 

Homestead Savings, FA, Utica; and to engage in financial and investment advisory 

activities, securities brokerage activities, and insurance agency activities in a town 

with a population of less than 5,000.

- Approved, September 29, 2000 

Secretary

Premier Bancorp, Inc., Wilmette, Illinois -- to become a bank holding company 

through the acquisition of Premier Bank.

- Approved, September 29, 2000 

Chicago

UB Financial Corporation, Plantation, Florida -- to become a bank holding company 

through the acquisition of Union Bank of Florida.

- Approved, September 28, 2000 

Atlanta

Umpqua Holdings Corporation, Roseburg, Oregon -- waiver of application in 

connection with the proposed merger with VRB Bancorp and the merger of Valley 

of the Rogue Bank, Rogue River, with South Umpqua Bank, Roseburg.

- Granted, September 25, 2000 

San Francisco

VBI, Inc., Colorado Springs, Colorado -- to become a bank holding company 

through the acquisition of Vista Bank.

- Approved, September 28, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 9
H.2 Actions under delegated authority September 24, 2000 to September 30, 2000

Bank Mergers

Arvest Bank, Norman, Oklahoma -- to merge with Arvest United Bank, Oklahoma 

City, and thereby establish branches.

- Approved, September 27, 2000 

St. Louis

Bank of Lancaster, Kilmarnock, Virginia -- to purchase the assets and assume the 

liabilities of two branches of First Virginia Bank, Falls Church, and one branch of 

First Virginia Bank-Hampton Roads, Norfolk.

- Approved, September 29, 2000 

Richmond

First Arvest Bank, Siloam Springs, Arkansas -- to purchase certain assets and assume 

certain liabilities of the Westville and Stilwell, Oklahoma, branches of Arvest Bank, 

Joplin, Missouri.

- Approved, September 25, 2000 

St. Louis

Pinnacle Bank-Wyoming, Torrington, Wyoming -- to merge with Pinnacle Bank, 

Cody; Pinnacle Bank, Newcastle; and Pinnacle Bank, Mitchell, Nebraska, and 

thereby establish branches.

- Approved, September 29, 2000 

Kansas City

Banks, Nonmember, And Miscellaneous Institutions

Production Credit Association of Southern New Mexico, Las Cruces, New 

Mexico -- deregistration under Regulation U.

- Approved, September 28, 2000 

Dallas

Banks, State Member

Bank of Lancaster, Kilmarnock, Virginia -- transfer agent registration.

- Withdrawn, September 26, 2000 

Director, BS&R

(AC) = Addition or Correction Delegated - Page 5 of 9
H.2 Actions under delegated authority September 24, 2000 to September 30, 2000

Banks, State Member

Comerica Bank, Detroit, Michigan -- to acquire Comerica Securities, Inc. as a 

financial subsidiary of the bank.

- Approved, September 27, 2000 

Chicago

Exchange Bank and Trust Company, Perry, Oklahoma -- to declare a dividend.

- Approved, September 26, 2000 

Kansas City

Main Street Bank, Reading, Pennsylvania -- transfer agent registration.

- Withdrawn, September 26, 2000 

Director, BS&R

Competitive Factors Reports

Bank of Davie, Mocksville, North Carolina -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Carthage branch of 

First Bank, Troy.

- Submitted, September 29, 2000 

Richmond

Bank of Texas, N.A., Dallas, Texas -- report on competitive factors of the proposed 

merger with Citizens National Bank of Texas, Bellaire.

- Submitted, September 27, 2000 

Dallas

Community National Bank, North Branch, Minnesota -- report on competitive 

factors of the proposed purchase of assets and assumption of liabilities of Lakeland 

National Bank, Lino Lakes.

- Submitted, September 28, 2000 

Minneapolis

First State Bank of Texas, Denton, Texas -- report on competitive factors of the 

proposed merger with Walburg State Bank, Georgetown.

- Submitted, September 25, 2000 

Dallas

(AC) = Addition or Correction Delegated - Page 6 of 9
H.2 Actions under delegated authority September 24, 2000 to September 30, 2000

Competitive Factors Reports

First State Bank, N.A., Abilene, Texas -- report on competitive factors of the 

proposed merger with United Bank and Trust Company.

- Submitted, September 25, 2000 

Dallas

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

of the proposed purchase of assets and assumption of liabilities of the Fredericktown 

branch of Commerce Bank, N.A., Kansas City.

- Submitted, September 28, 2000 

St. Louis

Firstrust Savings Bank, Conshohocken, Pennsylvania -- report on competitive factors 

of the proposed purchase of certain assets and assumption of certain liabilities of 

Cloverbank, FSB, Pennsauken, New Jersey.

- Submitted, September 28, 2000 

Philadelphia

Heritage Bank, N.A., Doniphan, Nebraska -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of Heritage Bank, Wood 

River.

- Submitted, September 26, 2000 

Kansas City

Hills Bank and Trust Company, Hills, Iowa -- report on competitive factors of the 

proposed merger with Hills Bank, Cedar Rapids.

- Submitted, September 29, 2000 

Chicago

Monogram Credit Card Bank of Georgia, Atlanta, Georgia -- report on competitive 

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

MCFC National Bank, Lenexa, Kansas.

- Submitted, September 27, 2000 

Atlanta

Preferred Bank, Casey, Illinois -- report on competitive factors of the proposed 

merger with Republic Bank of Casey.

- Submitted, September 29, 2000 

Chicago

(AC) = Addition or Correction Delegated - Page 7 of 9
H.2 Actions under delegated authority September 24, 2000 to September 30, 2000

Extensions Of Time

Hancock Park Acquisition, LLC, Washington, D.C., and Hancock Park Acquisition, 

LP -- extension to December 29, 2000, to acquire Bank of Coronado, Coronado, 

California.

- Granted, September 29, 2000 

San Francisco

Lone Star Bancorporation, Inc., Houston, Texas -- extensions to November 17, 

2000, to become a bank holding company through the acquisition of Lone Star 

Bancorporation of Delaware, Inc., Wilmington, Delaware, and for both companies to 

acquire Lone Star Bank, Houston.

- Granted, September 27, 2000 

Dallas

Onaga Bancshares, Inc., Onaga, Kansas; Morrill Bancshares, Inc., Sabetha; and 

Davis Bancorporation, Inc., Davis, Oklahoma -- extensions to October 16, 2001, to 

acquire FBC Financial Corporation, Claremore, Oklahoma.

- Granted, September 25, 2000 

Kansas City

Financial Holding Companies

Marquette Bancshares, Inc., Minneapolis, Minnesota, and MFC, Inc. -- election to 

become financial holding companies.

- Effective, September 29, 2000 

Minneapolis

Membership

Calvin B. Taylor Bank of Delaware, Ocean View, Delaware -- membership in the 

Federal Reserve System.

- Approved, September 28, 2000 

Philadelphia

Heritage Bank East Bay, Fremont, California -- membership in the Federal Reserve 

System.

- Approved, September 22, 2000 (AC)

San Francisco

(AC) = Addition or Correction Delegated - Page 8 of 9
H.2 Actions under delegated authority September 24, 2000 to September 30, 2000

Membership

Heritage Bank South Valley, Morgan Hill, California -- membership in the Federal 

Reserve System.

- Approved, September 22, 2000 (AC)

San Francisco

Mid Valley Bank, Red Bluff, California -- membership in the Federal Reserve System.

- Approved, September 28, 2000 

San Francisco

(AC) = Addition or Correction Delegated - Page 9 of 9
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, September 30, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, September 30, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Urban Financial Group, Inc., Bridgeport, Connecticut, to

become a bank holding dompany, by acquiring 100 percent of

the voting shares of The Community’s Bank, Bridgeport,

Connecticut.*

Newspaper – N/Avail

Fed Reg – 10/12/2000

3(a)(1) Bank of Cyprus, Nicosia, Cyprus, to become a bank holding

company by acquiring 91.38 percent of Interbank of New York,

New York, New York.*

Newspaper – N/Avail

Fed Reg – 10/10/2000

3(a)(1) Bank Hapoalim B.M., Tel Aviv, Israel, et al, to become bank

holding companies by acquiring 100 percent of the shares of

Signature Bank, New York, New York.*

Newspaper – 10/16/2000

Fed Reg – 10/17/2000

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Bank Hapoalim B.M., et al, to engage directly on a de novo

basis, through Signature Securities Group Corporation, in

agency transactional services for customer investments, and

financial and investment advisory activities.

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, September 30, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, September 30, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

820310 Community First Bank and Trust

225 North Main Street

Celina, OH 45822

07/26/2000 10/30/2000 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, September 30, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Farmers & Merchants Bank, Timberville, Virginia, to

acquire two branch offices of First Union National Bank,

Charlotte, North Carolina, located in Edinburg, Virginia,

and Woodstock, Virginia.*

Newspaper - 10/20/2000

18(c) Greenwood Bank & Trust, Greenwood, South Carolina, to

merge with Community Bank & Trust, Barnwell, South

Carolina, TheBank, Belton, South Carolina, Clemson

Bank & Trust, Clemson, South Carolina, and Mid State

Bank, Newberry, South Carolina.*

Newspaper - 10/31/2000

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(5) FNB Corporation, Christiansburg, Virginia, to merge with

CNB Holdings, Inc., Pulaski, Virginia .*

Fed Reg - 10/17/2000

Newspaper - N/Avail

3(a)(5) Shore Bancshares, Inc., Centreville, Maryland, to merge with

Talbot Bancshares, Inc., Easton, Maryland.*

Fed Reg - 10/20/2000

Newspaper - 10/23/2000

3(a)(5) BB&T Corporation, Winston-Salem, North Carolina, to merge

with BankFirst Corporation, Knoxville, Tennessee.*

Fed Reg - 10/26/2000

Newspaper - 10/23/2000

3(a)(1) Peterstown Bancorp, Inc., Peterstown, West Virginia, to

become a bank holding company through the acquisition of

100% of the voting shares of The First National Bank of

Peterstown, Peterstown, West Virginia.*

Fed Reg - 10/27/2000

Newspaper - 10/23/2000

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

Type Application

Ending date of

comment period

None

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

Type Application

Member BankAnnapolis (formerly Annapolis National Bank), Annapolis,

Maryland, for membership in the Federal Reserve System.

4(c)(8) Uwharrie Capital Corp., Albemarle, North Carolina, to engage

in community development activities.

3(a)(1) Carolina Bank Holdings, Inc., Greensboro, North Carolina, to

become a bank holding company through the acquisition of

100% of the voting shares of Carolina Bank, Greensboro,

North Carolina.

Section 25 Capital One Bank, Glen Allen, Virginia, to establish a branch

in Toronto, Canada.

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 30, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Citizens Trust Bank, Atlanta, Georgia, to establish a branch

located at 1046 Broadway, Columbus, Georgia.

09/29/2000*

Branch Premier Bank of Brentwood, Brentwood, Tennessee, to establish

a branch located at 1101 Wilson Pike, Brentwood, Tennessee.

09/08/2000*

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC Evangeline Bancshares, Inc., Ville Platte, Louisiana, After-thefact notification by Charles Randel Chapman; Margaret Fruge

Chapman; Lance Randall Chapman; Jonathan Luke Chapman;

Adam Gregory Chapman; Brenda Vidrine Fruge; Jack Cleveland

Fruge, Sr.; Jack C. Fruge, Sr. Charitable Remainder Unitrust and

Katherine Stephenson LaFleur of Ville Platte, Louisiana; Jack

Cleveland Fruge, Jr.; Jacques Cleveland Fruge, III; and Emily

Jeanne Fruge of Lafayette, Louisiana; Jacqueline Stephenson

LeCompt of New Iberia, Louisiana; to retain 20.41 percent of

the outstanding shares of Evangeline Bancshares, Inc, Ville

Platte, Louisiana. Total ownership will be 25 percent.

10/14/2000

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, September 30, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Ogden Bancshares, Inc., Ogden, Iowa, for prior approval to

acquire 100% of Ames Community Bank (in organization),

Ames, Iowa.*

Fed Reg – 10/12/2000

Newspaper – 10/16/2000

3(a)(3) Central Banc, Inc., Geneseo, Illinois, for prior approval to

acquire 100 percent of the voting shares of Marquette Bank

Fulton, Fulton, Illinois.*

Fed Reg – 10/23/2000

Newspaper – N/Avail

3(a)(1) ULLICO Inc., Washington, D.C., for prior approval to become a

bank holding company through the acquisition of 100 percent of

the voting shares of Amalgamated Investments Company,

Chicago, Illinois and thereby indirectly acquire Amalgamated

Bank of Chicago, Chicago, Illinois.*

Fed Reg – 10/26/2000

Newspaper – N/Avail

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

to become a bank holding company through the acquisition of

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

organization), Grand Rapids, Michigan.*

Fed Reg – N/Avail

Newspaper – N/Avail

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

acquire 51 percent of the voting shares of Yuma Community

Bank (in organization), Yuma, Arizona.*

Fed Reg – 10/12/2000

Newspaper – 10/13/2000

3(a)(3) Sun Community Bancorp Limited, Phoenix, Arizona, for prior

approval to acquire 51 percent of the voting shares of Yuma

Community Bank (in organization), Yuma, Arizona.*

Fed Reg – 10/12/2000

Newspaper – 10/13/2000

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

acquire 51 percent of the voting shares of Sunrise Bank of San

Diego (in organization), San Diego, California .*

Fed Reg – 10/12/2000

Newspaper – 10/14/2000
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) Sun Community Bancorp Limited, Phoenix, Arizona, for prior

approval to acquire 51 percent of the voting shares of Sunrise

Bank of San Diego (in organization), San Diego, California .*

Fed Reg – 10/12/2000

Newspaper – 10/14/2000

3(a)(3) Sunrise Capital Corporation, Albuquerque, New Mexico, for

prior approval to acquire 51 percent of the voting shares of

Sunrise Bank of San Diego (in organization), San Diego,

California.*

Fed Reg – 10/12/2000

Newspaper – 10/14/2000

3(a)(5) Specturm Bancorporation, Inc., Omaha, Nebraska, for prior

approval to acquire 100 percent of the voting shares of Great

Western Securities, Inc., Omaha, Nebraska and thereby

indirectly acquire Great Western Bank, Omaha, Nebraska.

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notification by Paul A. Jones, William J. Jones and Anne Jones

White, of a Change in Control of Cummins-American Corp.,

Glenview, Illinois.

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notification by Raymond James Schirmer and Robert Lawrence

Foust, of a Change in Control , to control up to 100 percent of

the outstanding voting shares of Munter Agency, Inc.,

Strawberry Point, Iowa.

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notification by John Mark DeCook and Bruce Heerema of a

Change in Control, for each to become the largest shareholder

by acquiring 13.705 percent of the voting shares outstanding of

Vermeer Investment Company, Pella, Iowa.

Fed Reg – N/Avail

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

S/R Vermeer Investment Company, Pella, Iowa, notification of

intent to redeem 3,089 shares, or 46.8 percent of its shares

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

Type Application

S/R Belle Plaine Service Corp., Belle Plaine, Iowa, for approval to

redeem up to $2,990,000 of common stock through a voluntary

redemption plan.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, September 30, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Notice by Fifth Third Bank, Kentucky, Inc., Louisville,

Kentucky, to establish a branch at 100 Springdale Drive,

Nicholasville, Kentucky.*

10/6/2000

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC Notice involving HBancorporation, Inc., Lawrenceville, Illinois,

by James and Charles Burns, St. Francisville, Illinois, and

certain other members of the Burns family as a group acting in

concert.

Newspaper – N/Avail.

Fed Reg – 10/18/2000

3(a)(1) Notice by Quad Bancshares, Inc., Oakwood, Missouri, to

acquire Missouri Quad Bancshares, Inc., Viburnum, Missouri.*

Newspaper – 10/27/2000

Fed Reg – 10/27/2000

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, September 30, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Stockman Financial Corp., Miles City, Montana, for prior

approval to acquire 100% of the voting shares of Marquette

Bank Montana, N.A., Conrad, Montana.*

Fed Reg 10/26/2000

* Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

application for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, September 30, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Platte Valley State Bank & Trust Company, Kearney, Nebraska,

to establish a branch at 1451 North Webb Road, Grand Island,

Nebraska.

Newspaper - 10/28/2000

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

Type Application

Ending date of

comment period

3(a)(1) Grace Investment Company, Inc., Okeene, Oklahoma, to

become a bank holding company through the acquisition o 93.87

percent of the voting shares of First National Bank in Okeene,

Okeene, Oklahoma.

Newspaper - 10/21/2000

Fed Reg - 10/20/2000

3(a)(1) Sturm Financial Group, Inc., Denver, Colorado, to become a

bank holding company through the acquisition of 100 percent of

the voting shares of Sturm Banks of Colorado, Inc., Denver,

Colorado, and thereby indirectly acquire Bank of Cherry Creek

N.A., Boulder, Colorado, bank of Cherry Creek N.A., Denver,

Colorado, Mesa National Bank, Grand Junction, Colorado,

Western National Bank of Colorado, Colorado Springs,

Colorado; Sturm Banks of Wyoming, Inc., Denver, Colorado,

and thereby indirectly acquire American National Bank of

Cheyenne, Cheyenne, Wyoming, Wyoming Bank & Trust

Company N.A., Buffalo, Wyoming, Stockgrowers State Bank

N.A., Worland, Wyoming, Bank of Laramie N.A., Laramie,

Wyoming; and Sturm Banks of Kansas City, Inc., Denver,

Colorado, and thereby indirectly acquire Premier Bank, Lenexa,

Kansas.

Newspaper - 10/23/2000

Fed Reg - 10/26/2000

3(a)(3) Avoca Company, Avoca, Nebraska, to acquire 100 percent of

the voting shares of First State Bank of Nebraska, Nebraska

City, Nebraska, a de novo bank in organization.

Newspaper - 07/23/2000

Fed Reg - 09/29/2000
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Sturm Financial Group, Inc., Denver, Colorado, to acquire

Community First Data Services, Inc., Cheyenne, Wyoming,

through the acquisition of Sturm Banks of Colorado, Inc,

Denver, Colorado, Sturm Banks of Wyoming, Inc., Denver,

Colorado, and Sturm Banks of Kansas City, Inc., Denver,

Colorado, and thereby engage in data processing activities. Also

for Sturm Financial Group, Inc., Denver, Colorado, to indirectly

and Sturm Banks of Kansas City, Inc., Denver, Colorado, to

directly engage in lending activities.

Fed Reg - 10/26/2000

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None
Section VI – CRA examinations scheduled for Fourth Quarter of 2000

Institution Location

Gold Bank Leawood, Kansas

Community Banks of Colorado Cripple Creek, Colorado

Bank of Colorado Fort Lupton, Colorado

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

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

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

circumstances.
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, September 30, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, September 30, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Harris Trust Bank of Arizona, Scottsdale, Arizona, to establish

a branch office at 2375 East Camelback Road, Phoenix,

Arizona. *

Newspaper - 10/16/2000

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

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