Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 48

Week Ending November 25, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions November 19, 2000 to November 25, 2000

Forms

Survey of Consumer Finances (FR 3059) -- to conduct the seventh triennial survey.

- Approved, November 20, 2000 

International Operations

Capital One Bank, Glen Allen, Virginia -- to establish a branch in Toronto, Canada.

- Approved, November 20, 2000 

Enforcement

 Asahi Bank, Ltd., Tokyo, Japan, New York Branch -- cease and desist order dated 

February 13, 1997, terminated October 11, 2000.

- Announced, November 20, 2000 

Guaranty Financial Corporation, Charlottesville, Virginia, and Guaranty Bank -- written 

agreement dated October 26, 2000, with the Federal Reserve Bank of Richmond and the 

Bureau of Financial Institutions of the Commonwealth of Virginia.

- Announced, November 20, 2000 

United Central Bank, Garland, Texas -- issuance of a cease and desist order.

- Announced, November 20, 2000 

(AC) = Addition or Correction Board - Page 1 of 1
November 19, 2000 to November 25, 2000

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulatio

Consumer and Community Affai

Federal Open Market Committ

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Managemen

H.2 Actions under delegated authority

Bank Branches, Domestic

Admiralty Bank, Palm Beach Garden, Florida -- to establish branches at 2811 North 

Orange Avenue, Orlando; 4350 North Atlantic Avenue, Cocoa Beach; and Central 

Parkway and Montgomery Road, Altamonte Springs.

- Approved, November 22, 2000 

Atlanta

Belgrade State Bank, Belgrade, Missouri -- to establish a branch at 515 West Karsch 

Avenue, Farmington, and make an additional investment in premises.

- Approved, November 20, 2000 

St. Louis

The Vintage Bank, Napa, California -- to establish a branch at 1065 Main Street, St. 

Helena.

- Returned, November 21, 2000 

San Francisco

Bank Holding Companies

Alabama National BanCorporation, Birmingham, Alabama -- to acquire Peoples State 

Bank of Groveland, Groveland, Florida.

- Approved, November 21, 2000 

Atlanta

CNB Holdings, Inc., McConnelsville, Ohio -- to become a bank holding company 

through the acquisition of shares of Citizens National Bank.

- Approved, November 24, 2000 

Cleveland

FNB Corporation, Christiansburg, Virginia -- to merge with CNB Holdings, Inc., Pulaski.

- Approved, November 20, 2000 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority November 19, 2000 to November 25, 2000

Bank Holding Companies

Miners and Merchants Bank and Trust Company, Grundy, Virginia -- to acquire the 

Lebanon and St. Paul branches of First Union National Bank, Charlotte, North Carolina.

- Approved, November 24, 2000 

Richmond

OSB Financial Services, Inc., Orange, Texas -- to become a bank holding company 

through the acquisition of OSB Delaware Financial Services, Inc., Dover, Delaware, and 

Orange Savings Bank, SSB, Orange; and for OSB Delaware to become a bank holding 

company through the acquisition of Orange Savings Bank.

- Approved, November 24, 2000 

Dallas

Pacifica Bancorp, Inc., Bellevue, Washington -- to become a bank holding company 

through the corporate reorganization of Pacifica Bank.

- Approved, November 21, 2000 

San Francisco

Security Bancorp of Maysville, Inc., Maysville, Kentucky -- to become a bank holding 

company through the acquisition of shares of Security Bank and Trust Co.

- Approved, November 24, 2000 

Cleveland

SouthTrust Corporation, Birmingham, Alabama, and SouthTrust of Alabama, Inc. -- 

waiver of notification requirement in connection with the proposed merger of SouthTrust 

of Alabama's subsidiary bank, SouthTrust Bank, with First Bank, Tallahassee, Florida, 

and the proposed acquisition of First Bank's parent holding company, First Bank Holding 

Company. 

- Granted, November 17, 2000 (AC)

Atlanta

Whitney Holding Corporation, New Orleans, Louisiana -- to merge with Prattville 

Financial Services Corporation, Prattville, Alabama, and Bank of Prattville; and to 

acquire Key Finance Company of Prattville and thereby engage in extending credit and 

servicing loans and in credit insurance activities through a finance company subsidiary.

- Approved, November 21, 2000 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority November 19, 2000 to November 25, 2000

Bank Holding Companies

Wilber Co., Wilber, Nebraska -- to acquire shares of NebraskaLand Financial Services, 

Inc., and thereby indirectly acquire NebraskaLand National Bank, North Platte.

- Approved, November 22, 2000 

Kansas City

Yankee Ridge, Inc., Allerton, Illinois -- to become a bank holding company through the 

acquisition of State Bank of Allerton, and to acquire Philo Exchange Bank, Philo.

- Approved, November 22, 2000 

Chicago

Bank Mergers

Fifth Third Bank, Western Ohio, Dayton, Ohio -- to merge with Fifth Third Bank, Ohio 

Valley, Hillsboro; Fifth Third Bank, Cincinnati; Fifth Third Bank, Northwestern Ohio, 

N.A., Toledo; and Fifth Third Bank, Central Ohio, Columbus, and establish branches.

- Approved, November 21, 2000 

Cleveland

Change In Bank Control

Cashton Bancshares, Inc., Cashton, Wisconsin -- change in bank control and redemption 

of stock.

- Permitted, November 20, 2000 

Chicago

Northern Star Financial, Inc., Mankato, Minnesota -- change in bank control.

- Permitted, November 20, 2000 

Minneapolis

Sulphur Springs Bancshares, Inc., Sulphur Springs, Texas -- change in bank control.

- Permitted, November 22, 2000 

Dallas

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority November 19, 2000 to November 25, 2000

Competitive Factors Reports

Citizens Bank, Vienna, Georgia -- report on competitive factors of the proposed 

acquisition of certain assets and assumption of certain liabilities of the Montezuma, 

Cusseta, and Buena Vista branches of Columbus Bank and Trust Company, Columbus.

- Submitted, November 22, 2000 

Atlanta

First National Bank, Seminole, Texas -- report on competitive factors of the proposed 

merger with West Texas National Bank, Alpine.

- Submitted, November 20, 2000 

Dallas

ING National Trust, Minneapolis, Minnesota -- report on competitive factors of the 

proposed merger with Aetna Trust Company, FSB, Hartford, Connecticut.

- Submitted, November 20, 2000 

Minneapolis

KeyBank, National Association, Cleveland, Ohio -- report on competitive factors of the 

proposed mergers with Key Trust Company of Indiana, National Association, 

Indianapolis, Indiana; KeyTrust Company, National Association, Portland, Maine; 

KeyTrust Company, National Association, Albany, New York; Key Trust Company of 

Ohio, National Association, Cleveland, Ohio; and KeyTrust Company, National 

Association, Seattle, Washington.

- Submitted, November 15, 2000 (AC)

Cleveland

Main Street Bank, Covington, Georgia -- report on competitive factors of the proposed 

merger with The Westside Bank & Trust Company, Kennesaw; The Eastside Bank & 

Trust Company, Snellville; and Community Bank of Georgia, Tucker.

- Submitted, November 22, 2000 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority November 19, 2000 to November 25, 2000

Competitive Factors Reports

Mountain West Bank, Coeur d'Alene, Idaho -- report on competitive factors of the 

proposed acquisition of the Hailey and Ketchum, Idaho, branches of Wells Fargo Bank, 

National Association, San Francisco, California; the Boise and Nampa, Idaho, branches 

of First Security Bank, National Association, Ogden, Utah; and the Brigham City and 

Park City, Utah, branches of Wells Fargo West, National Association, Denver, Colorado.

- Submitted, November 21, 2000 

Secretary

Peoples Bank of Groveland, Groveland, Florida -- report on competitive factors of the 

proposed merger with Peoples State Interim Bank.

- Submitted, November 22, 2000 

Atlanta

The Provident Bank, Amesbury, Massachusetts -- report on competitive factors of the 

proposed merger with Amesbury Co-operative Bank.

- Submitted, November 20, 2000 

Boston

Security State Bank of Aitkin, Aitkin, Minnesota -- report on competitive factors of the 

proposed merger with Cook County State Bank, Grand Marais.

- Submitted, November 22, 2000 

Minneapolis

Shelby Savings Bank, SSB, Center, Texas -- report on competitive factors of the 

proposed merger with Shelby Savings Interim Bank, SSB.

- Submitted, November 21, 2000 

Dallas

South Shore Savings Bank, South Weymouth, Massachusetts -- report on competitive 

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

the Quincy branch of Cambridgeport Bank, Cambridge.

- Submitted, November 22, 2000 

Boston

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority November 19, 2000 to November 25, 2000

Competitive Factors Reports

TIB Bank of the Keys, Key Largo, Florida -- report on competitive factors of the 

proposed acquisition of two branches of Republic Security Bank, West Palm Beach.

- Submitted, November 22, 2000 

Secretary

Whitney National Bank, New Orleans, Louisiana -- report on competitive factors of the 

proposed merger with First National Bank of Gonzales, Gonzales.

- Submitted, November 22, 2000 

Atlanta

Financial Holding Companies

Town & Country Bancorp, Inc., Springfield, Illinois -- election to become a financial 

holding company.

- Effective, November 20, 2000 

Chicago

Regulations And Policies

Regulation Z (Truth in Lending) -- annual adjustment to the dollar amount that triggers 

additional disclosure requirements for mortgage loans with fees above a certain amount.

- Published, November 21, 2000 

Secretary

(AC) = Addition or Correction Delegated - Page 6 of 6
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, November 25, 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 First Quarter of 2001

Institution Location

State Street Bank and Trust Company Boston, Massachusetts

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 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, November 25, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Sparkasse Stockerau AG, Vienna, Austria, to establish federal

branches in Greenwich, Connecticut, and New York, New York,

and representative offices in San Francisco, California, and

Atlanta, Gerogia.

Newspaper – N/Avail

FBSEA RheinHyp Rheinische Hypothekenbank, AG, Frankfurt,

Germany, to establish a representative office in New York, New

York.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

3(a)(1) Holland Bancorp, Inc., Holland, New York, to become a bank

holding company by acquiring 100 percent of the shares of

Bank of Holland, Holland, New York.*

Newspaper – N/Avail

Fed Reg – 12/22/2000

3(a)(3) Trustco Bank Corp New York, Schenectady, New York, to

acquire Cohoes Bancorp, Inc. and thereby acquire its bank

subsidiary, Cohoes Savings Bank, both of Cohoes, New York.*

Newspaper – N/Avail

Fed Reg – 12/26/2000

3(a)(3) Trustco Bank Company, Schenectady, New York, to acquire all

the shares of Hudson River Bancorp, Inc. and thereby acquire its

subsidiary, Hudson River Bank & Trust Company, both of

Hudson, New York.*

Newspaper – N/Avail

Fed Reg – 12/26/2000

3(a)(1) Israel Salt Industries, Atlit, Israel ("Applicant"), to become a

bank holding company in connection with the establishment of

Signature Bank, New York, New York ("Signature Bank") by

Bank Hapoalim B.M., Tel Aviv, Israel ("Bank Hapoalim").

Applicant would become a bank holding company through its

direct and indirect control of 45.25 percent of the voting shares

of Bank Hapoalim B.M. Signature Bank would be a wholly

owned subsidiary of Bank Hapoalim.*

Newspaper – N/Avail

Fed Reg – 12/14/2000

Change in Control Change in Bank Control with regard to Patriot National

Bancorp, Inc., Stamford, Connecticut, by Angelo DeCaro,

Riverside, Connecticut to acquire up to 35 percent of Bancorp’s

outstanding shares.*

Newspaper – N/Avail

Fed Reg – 12/06/2000
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) Arison Holdings (1998) Ltd., Tel Aviv, Israel ("Applicant"), to

become a bank holding company in connection with the

establishment of Signature Bank, New York, New York

("Signature Bank") by Bank Hapoalim B.M., Tel Aviv, Israel

("Bank Hapoalim"). Applicant would become a bank holding

company through its direct and indirect control of 45.25 percent

of the voting shares of Bank Hapoalim B.M. Signature Bank

would be a wholly owned subsidiary of Bank Hapoalim.*

Newspaper – N/Avail

Fed Reg – 12/18/2000

3(a)(3) Lakeland Bancorp, Inc., Oak Ridge, New Jersey, to acquire up

to 9.9 percent of Sussex Bancorp, Franklin, New Jersey.*

Newspaper – 12/22/2000

Fed Reg – 12/22/2000

* 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) Bayerische Hypo und Vereinsbank AG, Munich, Germany, to

acquire the nonbank subsidiaries of Bank Austria AG, Vienna,

Austria, and thereby engage in nonbanking 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, November 25, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) PSB Bancorp, Inc., Philadelphia, PA, to purchase up to 2.6

million shares of the Series A Convertible Preferred Stock of

Iron Bridge Holdings, Inc.

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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, November 25, 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 Received change in control notice 11/21/2000 from Dwight and

Inez Marriott, Higginsport, OH on of their intent to retain in

excess of 12.00 percent of the outstanding voting shares of CB

Bancorp, Inc., Higginsport, OH.*

Not Available

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) Received notice from Fifth Third Bancorp, Cincinnati, OH on

11/21/2000 of its intent to acquire the voting securities of Maxus

Securities Corp., Cleveland, OH; Maxus Asset Management,

Inc., Cleveland, OH; and Gelfand/Maxus Asset Management,

Inc., Cleveland, OH.
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

3(a)(1) Received notice from Steel Valley Bancorp, Inc., St. Clairsville,

OH on 11/16/2000 of its intent to acquire the voting securities of

Steel Valley Bank, N.A., Dillionvale, OH.

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

1224906 Provident Bank of Florida

1549 Ringling Blvd.

Sarasota, FL 34230

08/07/2000 11/20/2000 O 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, November 25, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Hanover Bank, Mechanicsville, Virginia, to establish a branch

at 10374 Leadbetter Road, Ashland, Virginia .*

Newspaper - 12/01/2000

Branch Bank Annapolis, Annapolis, Maryl.and, to operate a mobile

branch by providing a courier service to pick up noncash

deposits from business customers at locations in Annapolis,

Maryland, and in the counties of Anne Arundel, Calvert,

Montgomery, Prince Georges, and Queen Anne, Maryland.*

Newspaper - 12/05/2000

*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

365325 United Bank

11185 Main Street

Fairfax, Virginia 22030-5008

08/07/2000 11/22/2000 S X

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, November 25, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Compass Bank, Birmingham, Alabama, to establish a branch

located inside the Albertson’s store located at the intersection of

North McClintock Drive and West Ray Road, Chandler,

Arizona.

12/13/2000

Branch SouthTrust Bank, Birmingham, Alabama, to establish a branch

located at 1500 Sadler Road, Fernandina Beach, Florida, to be

known as the Sadler Road Branch.

12/01/2000

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

4(c)(8) Capital City Bank Group, Inc., Tallahassee, Florida, prior notice

to engage in mortgage company activities, through First

Mortgage Company, Pine Mountain, Georgia.
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

WAIVR Cumberland Bancorp, Inc., Nashville, Tennessee, application

waiver request for the proposal by Cumberland Bancorp, Inc.,

Nashville, Tennessee, to acquire Cumberland Interim Bank,

Brentwood, Tennessee.

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, November 25, 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) Northstar Financial Group, Inc., Bad Axe, Michigan, for prior

approval to become a bank holding company through the

acquisition of 100 percent of the voting shares of Northstar Bank

(in organization), Bad Axe, Michigan.*

Fed Reg – 12/14/2000

Newspaper – 12/10/2000

CIC Notification by Martin Price, of a Change in Control of First

Suburban Bancorp Corporation, Maywood, Illinois.

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

4(c)(8) National Australia Bank Limited, Melbourne, Australia,

notification of intent to acquire, indirectly through Homeside

Lending, Inc., Jacksonville, Florida, certain assets and liabilities

of Charles F. Curry Company, Kansas City, Missouri, and

thereby to engage in extending credit and servicing loans and

activities related to extending credit.

FR – N/Avail

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

Type Application

SR Village Bancorp, Inc., Arlington Heights, Illinois, notification of

intent to redeem more than 10 percent of their outstanding

equity securities.
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

542649 Chemical Bank & Trust

333 E. Main Street

Midland, Michigan 48640-0231

(517) 631-9200

3/27/2000 11/20/2000 S x

516042 Harris Bank-St. Charles

1 E. Main Street

St. Charles, Illinois 60174

(630) 377-4100

3/1/2000 11/21/2000 S x

75633 Harris Trust & Savings Bank

111 W. Monroe Street

Chicago, Illinois 60690

(312) 461-6493

3/1/2000 11/24/2000 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, November 25, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(5) Notice by Carlson Bancshares, Inc., West Memphis, Arkansas,

to acquire Lakeside Bancshares, Inc., Hughes, Arkansas.

(Previously submitted during the week ending November 18,

2000)*

Newspaper – 12/15/2000

Fed Reg – 12/21/2000

4(c)(8) Notice by Great Southern Bancorp, Inc., Springfield, Missouri,

to acquire up to 20 percent of Guaranty Federal Bancshares,

Inc., Springfield, Missouri.*

Newspaper – N/Avail.

Fed Reg – N/Avail.

4(c)(8), 4(c)(8) Companion notices by Union Planters Corporation, Memphis,

Tennessee, and its wholly owned bank holding company

subsidiary, Union Planters Holding Corporation, Memphis,

Tennessee, to acquire Jefferson Savings Bancorp, Inc, Ballwin,

Missouri.*

Newspaper – N/Avail.

Fed Reg – N/Avail.

CIC Notice involving Hardin County Bancshares, Inc., Savannah,

Tennessee, by Hardin County Bancshares, Inc. Employee Stock

Ownership Plan, Savannah, Tennessee (“ESOP”), to retain a

10.13 percent ownership interest, and by Mr. Eddie K. Whitlow,

Savannah, Tennessee, as trustee of ESOP, individually, and as

executor, to retain an aggregate 15.76 percent controlling

interest.

Newspaper – 12/22/2000

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

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, November 25, 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) MSB Bankshares, Inc., Iron River, Michigan, for prior approval

to become a bank holding company through the acquisition of

100% of the voting shares of The Miners' State Bank of Iron

River, Iron River, Michigan.*

Fed Reg – 12/22/2000

CIC Notice by Alvin John Huss, Jr. Revocable Trust Agreement

dated August 23, 2000, to acquire control of Charter 95

Corporation, St. Paul, Minnesota.

Fed Reg – 12/11/2000

3(a)(3) Mountain West Financial Corporation, Helena, Montana, for

prior approval to acquire between 25.2% and 50.01% of the

voting shares of BankWest Financial, Inc., Kalispell, Montana.*

Newspaper – 12/9/2000

*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, November 25, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First United Bank, Englewood, Colorado, to establish a branch

at 1310 United Heights, Colorado Springs, Colorado.

Newspaper - 11/28/2000

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

Type Application

Ending date of

comment period

3(a)(3) Central Financial Corporation, Hutchinson, Kansas, to acquire

8.80 percent of the voting shares of TTAC Corp., Manhattan,

Kansas, and thereby indirectly acquire Community First

National Bank, Manhattan, Kansas, a de novo bank in

organization.

Newspaper - 12/19/2000

Fed Reg - 12/18/2000

3(a)(1) Goering Financial Holding Company Partnership, L.P.,

Moundridge, Kansas, to become a bank holding company

through the acquisition of 42.49 percent of the voting shares of

Bon, Inc., Moundridge, Kansas, and thereby indirectly acquire

Citizens State Bank, Moundridge, Kansas.

Newspaper - 12/15/2000

Fed Reg - 12/15/2000

3(a)(1) Goering Management Company, LLC, Moundridge, Kansas, to

become a bank holding company through the acquisition of 100

percent of the voting shares of Goering Financial Holding

Company Partnership, L.P., Moundridge, Kansas, and 20.1

percent of the voting shares of Bon, Inc., Moundridge, Kansas,

and thereby indirectly acquire Citizens State Bank, Moundridge,

Kansas.

Newspaper - 12/15/2000

Fed Reg - 12/15/2000

CIC William Edwin Shoemaker, Cambridge, Nebraska, to acquire

voting shares of FNB Financial Services, Inc., Cambridge,

Nebraska, and thereby indirectly acquire The First National

Bank of Cambridge, Cambridge, Nebraska.

Newspaper - 12/06/2000

Fed Reg - 12/04/2000

3(a)(3) United Nebraska Financial Co., Grand Island, Nebraska, to

acquire 80 percent of the voting shares of Desert Valley

National Bank at Cave Creek, Cave Creek, Arizona, a de novo

bank in organization.

Newspaper - N/Avail

Fed Reg - 12/26/2000
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) Sooner Southwest Bankshares, Inc., Tulsa, Oklahoma, to acquire

100 percent of the voting shares of First National

Bancorporation of Heavener, Oklahoma, Inc., Heavener,

Oklahoma, and thereby indirectly acquire First National Bank,

Heavener, Oklahoma.

Newspaper - 12/09/2000

Fed Reg - 12/11/2000

CIC Vernon R. and Barbara Ann Pfaff, Fairbury, Nebraska, to

acquire voting shares of Antelope Bancshares, Inc., Elgin,

Nebraska, and thereby indirectly acquire Bank of Elgin, Elgin,

Nebraska.

Newspaper - 12/07/2000

Fed Reg - 12/11/2000

CIC A.C. Martin Trust A, Okemah, Oklahoma, to acquire voting

shares of OK Bancorporation, Inc., Okemah, Oklahoma, and

thereby indirectly acquire The Okemah National Bank, Okemah,

Oklahoma.

Newspaper - 12/18/2000

Fed Reg - N/Avail

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 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, November 25, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) PNB Financial Bank, Lubbock, TX, to acquire

City National Bank, Austin, TX, and establish a branch office*

(previously reported the week ending November 11, 2000)

11/29/2000

Branch PNB Financial Bank, Lubbock, TX, to establish a branch office

at 401 Congress Avenue, Austin, TX, 78701*

(previously reported the week ending November 11, 2000)

11/29/2000

*Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC Robert B. Mathieu, Delhi, LA, only notificant, to acquire an

interest in Delhi Bancshares, Inc., Delhi, LA

(previously reported the week ending November 11, 2000)

Fed Reg – 11/29/2000

Newspaper – 12/05/2000

CIC Lavinia Camille Brock Bircher, Clute, TX, et al, to acquire an

interest in FSB Bancshares, Inc., Clute, TX

Fed Reg – 12/15/2000

Newspaper – N/Avail

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 Notice by Amador Bancshares, Inc., Las Cruces, NM, to

repurchase 65,264 shares of its common stock
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

3(a)(1) North Texas Bancshares, Inc., Dallas, TX, to acquire

North Texas Bancshares of Delaware, Inc., Wilmington, DE,

and Park Cities Bank, Dallas, TX*

3(a)(1) North Texas Bancshares of Delaware, Inc., Wilmington, DE, to

acquire Park Cities Bank, Dallas, TX*

*Subject to the provisions of the Community Reinvestment Act

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, November 25, 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) First National Bank of Nevada Holding Company, Scottsdale,

Arizona, to acquire Rocky Mountain Bank, Chandler, Arizona. *

Newspaper - 12/22/2000

Fed Reg - 12/21/2000

3(a)(1) Mitsubishi Tokyo Financial Group, Inc., Tokyo, Japan, to

become a bank holding company by acquiring Bank of TokyoMitsubishi Trust Company, New York, New York; Mitsubishi

Trust and Banking Corporation (U.S.A.), New York, New York;

and UnionBanCal Corporation, San Francisco, California. *

Newspaper - N/Avail

Fed Reg - 12/21/2000

3(a)(1) Gateway Bancorp, LLC, Santa Ana, California, to become a

bank holding company by acquiring Bank of Lakewood,

Lakewood, California. *

Newspaper - 12/26/2000

Fed Reg - 12/26/2000

* 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

4(c)(8) Mitsubishi Tokyo Financial Group, Inc., Tokyo, Japan, to

engage indirectly in certain nonbanking activities by acquiring

Bank of Tokyo-Mitsubishi Trust Company, New York, New

York; Mitsubishi Trust and Banking Corporation (U.S.A.), New

York, New York; and UnionBanCal Corporation, San Francisco,

California.

Fed Reg - 12/21/2000
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Gateway Bancorp, LLC, Santa Ana, California, to engage in

residential mortgage banking activities through the acquisition

of Mission Hills Mortgage Corporation, Santa Ana, California.

Fed Reg - 12/26/2000

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

Type Application

4(c)(8) City National Corporation, Beverly Hills, California, to engage

in certain nonbanking activities by acquiring Reed, Conner and

Birdwell, Inc., Los Angeles, California.

Waiver Zions Bancorporation, Salt Lake City, Utah, requests a waiver of

any Bank Holding Company Act application requirement in

connection with the merger of Draper Bancorp, Draper, Utah,

which will result in the merger of Draper Bank with and into

Zions First National Bank.

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