Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 42

Week Ending October 14, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions October 8, 2000 to October 14, 2000

Bank Holding Companies

Wells Fargo & Company, San Francisco, California -- to acquire First Security 

Corporation, Salt Lake City, Utah, its subsidiary banks, and certain nonbanking 

subsidiaries.

- Approved, October 10, 2000 

Enforcement

Bay View Capital Corporation, San Mateo, California -- written agreement dated 

September 29, 2000, with the Federal Reserve Bank of San Francisco.

- Announced, October 11, 2000 

(AC) = Addition or Correction Board - Page 1 of 1
October 8, 2000 to October 14, 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

Colonial Bank, Montgomery, Alabama -- to establish a branch at 3333 Preston Road, 

Frisco, Texas.

- Approved, October 12, 2000 

Atlanta

Compass Bank, Birmingham, Alabama -- to establish a branch near the intersection 

of Highway A1A and Palm Valley Road, Ponte Vedra, Florida.

- Approved, October 10, 2000 

Secretary

Fifth Third Bank, Kentucky, Inc., Louisville, Kentucky -- to establish a branch at 100 

Springdale Drive, Nicholasville.

- Approved, October 12, 2000 

St. Louis

Bank Holding Companies

Atlantic National Corporation, Brunswick, Georgia -- to become a bank holding 

company through the acquisition of Atlantic National Bank.

- Approved, October 12, 2000 

Atlanta

The Avoca Company, Omaha, Nebraska -- to acquire First State Bank of Nebraska, 

Nebraska City, a de novo bank.

- Approved, October 11, 2000 

Kansas City

Big Mac Bancshares, Inc., Hoxie, Kansas -- to become a bank holding company 

through the acquisition of shares of Peoples State Bank, McDonald.

- Approved, October 13, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority October 8, 2000 to October 14, 2000

Bank Holding Companies

First Banks, Inc., St. Louis, Missouri, and First Banks America, Inc. -- to acquire 

Commercial Bank of San Francisco, San Francisco, California.

- Approved, October 10, 2000 

St. Louis

Pan American Financial, Inc., San Mateo, California; United PanAm Financial Corp.; 

Pan American Financial, LP, Los Angeles; and BVG West Corp. -- to become bank 

holding companies through the acquisition of United PanAm Bank, FSB, San Mateo, 

on its conversion to a state commercial bank charter.

- Withdrawn, October 10, 2000 

San Francisco

PCB Bancorp, Inc., Largo, Florida -- to acquire Premier Community Bank of 

Southwest Florida, Lehigh Acres, a de novo bank.

- Approved, October 13, 2000 

Atlanta

Pinnacle Financial Partners, Inc., Nashville, Tennessee -- to become a bank holding 

company through the acquisition of Pinnacle National Bank.

- Approved, October 12, 2000 

Secretary

Preferred Bancorp, Inc., Casey, Illinois -- to become a bank holding company 

through the acquisition of Preferred Bank.

- Approved, October 11, 2000 

Chicago

Spectrum Bancorporation, Omaha, Nebraska -- to merge with Great Western 

Securities, Inc. and thereby acquire Great Western Bank. 

- Withdrawn, October 10, 2000 

Chicago

Uwharrie Capital Corp., Albemarle, North Carolina -- to engage in community 

development activities.

- Approved, October 13, 2000 

Richmond

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority October 8, 2000 to October 14, 2000

Bank Holding Companies

Wintrust Financial Corporation, Lake Forest, Illinois -- to acquire Northbrook Bank 

& Trust Company, Northbrook, a de novo bank; and for Northbrook Bank & Trust 

Company to become a member of the Federal Reserve System.

- Approved, October 12, 2000 

Chicago

Bank Mergers

BancFirst, Oklahoma City, Oklahoma -- to merge with First State Bank and thereby 

establish a branch at 700 E. Memorial Road.

- Approved, October 12, 2000 

Kansas City

Bank of the Orient, San Francisco, California -- to acquire certain assets and assume 

certain liabilities of Bank of Honolulu, Honolulu, Hawaii, and to acquire its branches.

- Approved, October 13, 2000 

San Francisco

Northern Neck State Bank, Warsaw, Virginia -- to purchase certain assets and 

assume certain liabilities of the Kilmarnock branch of First Virginia Bank-Hampton 

Roads, Norfolk.

- Approved, October 13, 2000 

Richmond

Change In Bank Control

Bannister Bank and Trust, Kansas City, Missouri -- change in bank control.

- Returned, October 13, 2000 

Kansas City

Sarasota BanCorporation, Inc., Sarasota, Florida -- change in bank control.

- Permitted, October 13, 2000 

Atlanta

Second Mid-America Bancorp, Inc., Savanna, Illinois -- change in bank control.

- Permitted, October 10, 2000 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority October 8, 2000 to October 14, 2000

Competitive Factors Reports

Beauregard Federal Savings Bank, De Ridder, Louisiana -- report on competitive 

factors of the proposed merger with Beauregard Interim Federal Savings Bank.

- Submitted, October 11, 2000 

Atlanta

Community Trust Bank, National Association, Pikeville, Kentucky -- report on 

competitive factors of the proposed merger with Community Trust Bank, FSB, 

Campbellsville.

- Submitted, October 10, 2000 

Richmond

First Savings and Loan Association of Warren, Warren, Ohio -- report on 

competitive factors of the proposed acquisition and merger of FFY Bank, 

Youngstown.

- Submitted, October 11, 2000 

Cleveland

First Security Bank, Bozeman, Montana -- report on competitive factors of the 

proposed merger with Security Bank of Three Forks, Three Forks.

- Submitted, October 11, 2000 

Minneapolis

FloridaFirst Bancorp, Inc., Lakeland, Florida -- report on competitive factors of the 

proposed reorganization from a mutual holding company to a state stock company 

through the acquisition of FloridaFirst Bank.

- Submitted, October 11, 2000 

Atlanta

Fredericksburg Savings Bank, Fredericksburg, Virginia -- report on competitive 

factors of the proposed merger with Fredericksburg State Bank.

- Submitted, October 10, 2000 

Richmond

The Ohio Valley Bank, Gallipolis, Ohio -- report on competitive factors of the 

proposed merger with Jackson Savings Bank, Jackson.

- Submitted, October 10, 2000 

Cleveland

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority October 8, 2000 to October 14, 2000

Extensions Of Time

American River Holdings, Sacramento, California -- extension to January 11, 2001, 

to acquire North Coast Bank, N.A., Windsor.

- Granted, October 12, 2000 

San Francisco

Fulton Financial Corporation, Lancaster, Pennsylvania -- extension to October 1, 

2001, to divest certain assets.

- Granted, October 10, 2000 

Director, BS&R

Financial Holding Companies

The Baraboo Bancorporation, Inc., Baraboo, Wisconsin -- election to become a 

financial holding company.

- Effective, October 11, 2000 

Chicago

Pioneer Acquisition Corporation, Ladysmith, Wisconsin -- election to become a 

financial holding company.

- Effective, October 10, 2000 

Minneapolis

International Operations

Arvest Bank, Rogers, Arkansas -- to establish a limited-purpose branch in George 

Town, Grand Cayman, Cayman Islands, British West Indies.

- Approved, October 12, 2000 

St. Louis

First Union National Bank, Charlotte, North Carolina -- to extend the corporate 

existence and amend the articles of association of its Edge corporation subsidiary, 

First Union International Banking Corporation.

- Approved, October 11, 2000 

Richmond

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

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, October 14, 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, October 14, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

4(c)(8) Dresdner Bank Aktiengesellschaft, Frankfurt, Germany, to

acquire Wasserstein Perella Group, Inc., New York, New York.

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(5)(a),

3(a)(3)(a),

18CNEW, BKBR,

4(c)(8)THE

Chase Manhattan Corporation, New York, New York, (i) to

merge J.P. Morgan & Co., Inc., New York, New York, with and

into Chase; (ii) for Chase and Morgan to each acquire an option

to acquire 19.9 percent of the voting shares of the other; (iii) for

Chase to acquire J.P. Morgan FSB, Palm Beach, Florida; (iv) to

merge Morgan Guaranty Trust Company of New York, New

York, New York, with and into Chase Manhattan Bank, New

York, New York; (v) for Chase Manhattan Bank to establish

additional branches as a result of its merger with Morgan

Guaranty Trust Company.

Newspaper – N/Avail

Fed Reg – 11/06/2000

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, October 14, 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) & 3(a)(5) National Penn Bancshares, Boyertown, PA, to acquire 100% of

the voting shares of Community Independent Bank, Inc.,

Bernville, PA, and its bank subsidiary Bernville, Bank, N.A.

Newspaper: 10/28/2000

Fed. Reg.: 10/26/2000

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

3(a)(1)RN Elmer Bancorp, Inc., Elmer, NJ, to form a bank holding

company by acquiring The First National Bank of Elmer, Elmer,

NJ.
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, October 14, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Received applications from Fifth Third Bank, Western Ohio,

Dayton, OH on 10/13/2000 to merge with Fifth Third Bank,

Central Ohio, Columbus, OH; Fifth Third Bank, Cincinnati, OH;

Fifth Third Bank, Ohio Valley, Hillsoboro, OH; and Fifth Third

Bank, Northwestern Ohio, N.A., Toledo, OH and incident

thereto establish branch facilities.

11/15/2000

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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, October 14, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First Capital Bank, Glen Allen, Virginia, to establish a

branch at 113 Junction Drive, Ashland, Virginia .*

Newspaper - 10/30/2000

*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

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

to merge with FirstSpartan Financial Corp., Spartansburg,

South Carolina.*

Fed Reg - 11/02/2000

Newspaper - 11/02/2000

*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 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, October 14, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) SouthTrust Bank, Birmingham, Alabama, to merge with First

Bank, Tallahassee, Florida.

N/Avail*

18(c) Colonial Bank, Montgomery, Alabama, to merge with First

Security Bank of Nevada, Las Vegas, Nevada.

11/12/2000*

Branch Provident Bank, Sarasota, Florida, to establish a branch located

at 821 East Bloomingdale Avenue, Brandon, Florida.

10/18/2000*

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Alabama National BanCorporation, Birmingham, Alabama, to

acquire Peoples State Bank of Groveland, Groveland, Florida.

11/14/2000*

*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

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, October 14, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) &

Branch

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, for prior

approval to merge with M&I Bank of Racine, Racine; M&I

Bank of Burlington, Burlington; M&I Lake Country Bank,

Hartland; M&I First National Bank, West Bend; M&I Bank of

Menomonee Falls, Menomonee Falls; and M&I Northern Bank,

Brookfield, all in Wisconsin; and thereby establish 30

branches.*

Newspaper – N/Avail

 Branch First American Bank, Carpentersville, Illinois, for prior approval

to wstablish a branch at Niles Civic Center, southeast corner of

Oakton and Waukegan Roads, Niles, Illinois.*

Newspaper – 10/30/2000

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

establish a branch at 1049 East Paris, Grand Rapids, Michigan.*

Newspaper – 10/20/2000

18(c) &

Branch

Chemical Bank and Trust Company, Midland, Michigan, for

prior approval to merge with Chemical Bank Bay Area, Bay

City; Chemical Bank Michigan, Clare; Chemical Bank Key

State, Owosoo; and Chemical Bank Thumb Area, Caro, all in

Michigan and thereby establish 43 branches.*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(5) Merchants and Manufacturers Bancorporation, Inc., New Berlin,

Wisconsin, for prior approval to acquire 100 percent of the

voting shares of CBOC, Inc., Oconto Falls, Wisconsin, and

thereby indirectly acquire Community Bank of Oconto, Oconto

Falls, Wisconsin.*

Fed Reg – N/Avail

Newspaper – 10/30/2000

3(a)(3) Merchants Merger Corp., New Berlin, Wisconsin, for prior

approval to acquire 100 percent of the voting shares of CBOC,

Inc., Oconto Falls, Wisconsin, and thereby indirectly acquire

Community Bank of Oconto, Oconto Falls, Wisconsin.*

Fed Reg – N/Avail

Newspaper – 10/30/2000
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

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

approval to merge with Great Western Securities, Inc., Omaha,

Nebraska .*

Fed Reg – 10/30/2000

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.
Section V – Availability of CRA public evaluations

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

736943 M&I Bank Northwest

310 W. Walnut

Green Bay, Wisconsin 54303

(920) 436-1800

02/22/2000 10/13/2000 O X

686440 Bank Iowa

1710 3rd Avenue East

Oskaloosa, Iowa 52577

(515) 673-7400

05/29/2000 10/11/2000 S 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, October 14, 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

311845 McIlroy Bank & Trust

Fayetteville, Arkansas

3/13/2000 10/11/2000 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, October 14, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Thomas and Lois Reynolds to acquire control of Northern Star

Financial, Inc., Mankato, Minnesota.

Fed Reg – 11/01/2000

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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, October 14, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Atoka State Bank, Atoka, Oklahoma, for prior approval to

establish a branch at 418 Main Street, Antlers, Oklahoma.

Newspaper – 10/20/2000

18(c)/Branch First American Bank and Trust Company, Purcell, Oklahoma,

for prior approval to merge with First American Bank, N.A.,

Woodward, Oklahoma, and incident thereto, to establish an

additional branch.

Newspaper – 09/25/2000

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

Type Application

Ending date of

comment period

3(a)(1)RN Coronado Financial Corporation, Lyons, Kansas, for prior

approval to become a bank holding company through the

reorganization of 86 percent of the voting shares of The Lyons

State Bank, Lyons, Kansas.

Newspaper – N/Available

FedReg – N/Available

3(a)(1) NebraskaLand Financial Services, Inc., North Platte, Nebraska,

for prior approval to become a bank holding company by

acquiring 100 percent of the voting shares of NebraskaLand

National Bank, North Platte, Nebraska.

Newspaper – N/Available

FedReg – 11/09/2000

3(a)(1) Grace Investment Company, Inc., Alva, Oklahoma, for prior

approval to become a bank holding company by acquiring 93.87

percent of the voting shares, for a total of 100 percent of the

voting shares of The First National Bank in Okeene, Okeene,

Oklahoma.

Newspaper – 10/21/2000

FedReg – 10/20/2000

3(a)(3) First York BanCorp, York, Nebraska, for prior approval to

acquire 60 percent of NebraskaLand Financial Services, Inc,

North Platte, Nebraska.

Newspaper – N/Available

FedReg – 10/10/2000

3(a)(3) Nebraska Bancshares, Inc., Farnam, Nebraska, for prior approval

to acquire 12.62 percent of the voting shares of Stockmens

Financial Corporation, Rapid City, South Dakota, and thereby,

indirectly acquire voting shares of Bankwest, Castle Rock,

Colorado, and Security First Bank, Sidney, Nebraska.

Newspaper – N/Available

FedReg – 11/14/2000
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

Member Citizens Bank, Velma, Oklahoma, for prior approval to become

a member of 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, October 14, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Gene Allen Van Meter, Beaumont, TX, et al, to acquire an

interest in

Lamar Bancshares, Inc., Beaumont, TX

Fed Reg – 10/31/2000

Newspaper – 10/23/2000

3(a)(3) Cooper Lake Financial Corporation, Cooper, TX, to acquire

The Delta Bank, Cooper, TX*

Fed Reg – 11/14/2000

Newspaper – 11/10/2000

3(a)(1) Community Bancshares Company, Colfax, LA, to acquire

Colfax Banking Company, Colfax, LA*

Fed Reg – N/Avail

Newspaper – 11/13/2000

*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

253262 Citizens Bank

103 Texas Avenue

Slaton, Texas 79364-4245

12/31/1999 10/14/2000 S X

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, October 14, 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

3(a)(5)(C) Prime Pacific Financial Services, Inc., to become a bank holding

company by acquiring Prime Pacific Bank, N.A., both of

Lynwood, Washington.

3(a)(5)(C) Mission Community Bancorp, to become a bank holding

company by acquiring Mission Community Bank, both of San

Luis Obispo, California.
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

1162017 United Security Bank

1525 East Shaw Avenue

Fresno, CA 93710

(559) 225-0101

06/05/2000 10/03/2000 S X

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

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

for errors or omissions.

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None