Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 33

Week Ending August 12, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions August 6, 2000 to August 12, 2000

Bank Holding Companies

Australia & New Zealand Banking Group Limited, Melbourne, Australia -- to 

acquire Amerika Samoa Bank, Pago Pago, American Samoa.

- Approved, August 7, 2000 

Board Operations

Labor Relations Panels of the Federal Reserve System -- reappointment of Richard I. 

Bloch to the System's two panels.

- Approved, August 7, 2000 

Forms

Forms -- extension without revision of Recordkeeping Requirements Associated with 

Real Estate Appraisal Standards for Federally Related Transactions Pursuant to 

Regulations H and Y (FR H-4), Request for Proposal (RFP), and Request for Price 

Quotations (RFPQ).

- Approved, August 10, 2000 

Regulations And Policies

Insurance sales by depository institutions -- interagency proposals for public 

comment to establish consumer protections in connection with the sale of insurance 

and annuities by banks and other depository institutions.

- Approved, August 8, 2000 

Enforcement

Farmers & Merchants Bank, Long Beach, California -- cease and desist order dated 

March 23, 1992, terminated June 12, 2000.

- Announced, August 11, 2000 

National Bank of Greece, S.A., Athens, Greece, and National Mortgage Bank of 

Greece, S.A. -- cease and desist order dated September 25, 1989, terminated June 

14, 2000.

- Announced, August 11, 2000 

Unity Bancorp, Inc., Clinton, New Jersey -- written agreement dated July 18, 2000, 

with the Federal Reserve Bank of New York and the Commissioner of Banking and 

Insurance of the State of New Jersey.

- Announced, August 11, 2000 

(AC) = Addition or Correction Board - Page 1 of 1
August 6, 2000 to August 12, 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

Bank of the James, Lynchburg, Virginia -- to establish a branch at 5204 Fort Avenue.

- Approved, August 9, 2000 

Richmond

Centennial Bank of the West, Eaton, Colorado -- to establish a branch at 4650 Royal 

Vista Drive, Fort Collins.

- Approved, August 9, 2000 

Kansas City

Exchange Bank & Trust Company, Perry, Oklahoma -- to establish a branch at 14th 

and Fir Avenue.

- Approved, August 7, 2000 

Kansas City

First Community Bank, Harbor Springs, Michigan -- to establish a branch at 201 N. 

Main St., Cheboygan.

- Withdrawn, August 4, 2000 (AC)

Chicago

Legacy Bank of Texas, Plano, Texas -- to establish a mobile branch to serve Collin, 

Dallas, Denton, Rockwall, Tarrant, and Grayson Counties.

- Approved, August 9, 2000 

Dallas

Pennsylvania State Bank, Camp Hill, Pennsylvania -- to establish a branch at 6480 

Carlisle Pike, Mechanicsburg.

- Approved, August 10, 2000 

Philadelphia

Summit Bank, Princeton, New Jersey -- to establish a branch at 260 Chestnut Street, 

Newark.

- Approved, August 10, 2000 

New York

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority August 6, 2000 to August 12, 2000

Bank Holding Companies

CBCT Bancshares, Inc., Baltimore, Maryland -- to become a bank holding company 

through the acquisition of Community Bank of Central Texas, SSB, Smithville, 

Texas.

- Approved, August 8, 2000 

Dallas

Chambers Bancshares, Inc., Danville, Arkansas -- to engage de novo in extending 

credit and servicing loans.

- Approved, August 7, 2000 

St. Louis

CorTrust Bank, N.A., Mitchell, South Dakota, and Hopkins Financial Corporation -- 

to acquire The First Freeman Corporation, Freeman.

- Approved, August 10, 2000 

Minneapolis

The EastBank Corporation, Minneapolis, Minnesota -- to become a bank holding 

company through the acquisition of EastBank, a de novo bank.

- Approved, August 9, 2000 

Minneapolis

First Rainsville Bancshares, Inc. Employee Stock Ownership Plan, Rainsville, 

Alabama -- to become a bank holding company through the acquisition of First 

Rainsville Bancshares, Inc. and First Bank of the South.

- Approved, August 11, 2000 

Atlanta

Heritage Bancshares, Inc., Orange Park, Florida -- to become a bank holding 

company through the acquisition of Heritage Bank of North Florida.

- Returned, August 7, 2000 

Atlanta

Heritage Commerce Corp, San Jose, California -- to merge with Western Holdings 

Bancorp, Los Altos, and thereby acquire Bank of Los Altos.

- Approved, August 10, 2000 

San Francisco

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority August 6, 2000 to August 12, 2000

Bank Holding Companies

Jackass Creek Land & Livestock Company, Ennis, Montana -- to acquire additional 

shares of Boulder Valley Bank, Boulder.

- Approved, August 11, 2000 

Minneapolis

M&T Bank Corporation, Buffalo, New York, and Olympia Financial Corporation -- 

to acquire Keystone Financial Inc., Harrisburg, Pennsylvania, Keystone Financial 

Bank, N.A., and Keystone's nonbanking subsidiaries; and for Manufacturers and 

Traders Trust Company, Buffalo, to merge with Keystone Bank and thereby 

establish branches.

- Approved, August 7, 2000 

New York

WestTenn Bancorp, Inc., Jackson, Tennessee -- to become a bank holding company 

through the acquisition of The Bank of Jackson.

- Approved, August 11, 2000 

St. Louis

Banks, Foreign

National Australia Bank Limited, Melbourne, Australia -- to acquire, through its 

subsidiary, 02-e Limited, an interest in Thinkorswim.com, and thereby engage in 

providing retail brokerage services over the internet.

- Withdrawn, August 9, 2000 

Chicago

Banks, Nonmember, And Miscellaneous Institutions

Cape Fear Farm Credit, ACA, Fayetteville, North Carolina -- deregistration under 

Regulation U.

- Approved, August 8, 2000 

Richmond

North Texas Production Credit Association, Sulphur Springs, Texas -- deregistration 

under Regulation U.

- Approved, August 9, 2000 

Dallas

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority August 6, 2000 to August 12, 2000

Banks, Nonmember, And Miscellaneous Institutions

Plainview Production Credit Association, Plainview, Texas -- deregistration under 

Regulation U.

- Approved, August 8, 2000 

Dallas

Tangram Enterprise Solutions, Inc., Cary, North Carolina -- deregistration under 

Regulation U.

- Approved, August 8, 2000 

Richmond

Banks, State Member

The Northern Trust Company, Chicago, Illinois, and Northern Trust Corporation -- 

to make public welfare investments.

- Approved, August 3, 2000 (AC)

Chicago

Westamerica Bank, San Rafael, California -- payment of a dividend.

- Approved, August 8, 2000 

San Francisco

Change In Bank Control

Rake Bancorporation, Rake, Iowa -- change in bank control.

- Permitted, August 10, 2000 

Chicago

Competitive Factors Reports

Bank of Northern Illinois, National Association, Waukegan, Illinois -- report on 

competitive factors of the proposed merger with State Financial Bank, Richmond; 

Home Federal Savings & Loan Association, Elgin; State Financial Bank, Hales 

Corners, Wisconsin; and State Financial Bank-Waterford, Waterford.

- Submitted, August 9, 2000 

Chicago

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority August 6, 2000 to August 12, 2000

Competitive Factors Reports

Century National Bank, Washington, D.C. -- report on competitive factors of the 

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

Tysons Dulles Plaza II branch, McLean, Virginia, of Sandy Spring National Bank, 

Olney, Maryland.

- Submitted, August 10, 2000 

Richmond

Community Bank of Oelwein, Oelwein, Iowa -- report on competitive factors of the 

proposed merger with Community Interim Bank, a de novo bank.

- Submitted, August 9, 2000 

Chicago

Community Bank Spring Green and Plain, Spring Green, Wisconsin -- report on 

competitive factors of the proposed merger with New Community Bank Spring 

Green and Plain.

- Submitted, August 9, 2000 

Chicago

First National Bank in Alpine, Alpine, Texas -- report on competitive factors of the 

proposed merger with The First National Bank of Pecos, Pecos, and Seminole 

National Bank, Seminole.

- Submitted, August 9, 2000 

Dallas

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

proposed merger with Texas National Bank, Brenham.

- Submitted, August 11, 2000 

Dallas

Harbor Bank, Newport News, Virginia -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Newport News 

branch of First Federal Savings Bank of Virginia, Petersburg.

- Submitted, August 10, 2000 

Richmond

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority August 6, 2000 to August 12, 2000

Competitive Factors Reports

Northwest Savings Bank, Warren, Pennsylvania -- report on competitive factors of 

the proposed purchase of assets and assumption of liabilities of nine Pennsylvania 

branches of Sovereign Bank, Wyomissing.

- Submitted, August 11, 2000 

Cleveland

Scripps Bank, La Jolla, California -- report on competitive factors of the proposed 

merger with U.S. Bank, National Association, Minneapolis, Minnesota.

- Submitted, August 7, 2000 

Minneapolis

Southern Bank and Trust Company, Mount Olive, North Carolina -- report on 

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

of three branches of First-Citizens Bank & Trust Company, Raleigh.

- Submitted, August 10, 2000 

Richmond

Traditional Bank, Inc., Mt. Sterling, Kentucky -- report on competitive factors of the 

proposed merger with Traditional Bank of Kentucky, Inc., Lexington.

- Submitted, August 11, 2000 

Cleveland

Extensions Of Time

First Bancorp, Troy, North Carolina, and First Bancorp Financial Services, Inc. -- 

extension to June 22, 2001, to divest certain properties.

- Granted, August 10, 2000 

Director, BS&R

First State Bank of DeQueen, DeQueen, Arkansas -- extension to November 10, 

2000, to relocate its main office from 310 North Third Street to 402 West Collin 

Raye Drive.

- Granted, August 7, 2000 

St. Louis

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority August 6, 2000 to August 12, 2000

Financial Holding Companies

Bank of Scotland, Edinburgh, Scotland -- election to be treated as a financial holding 

company.

- Effective, August 11, 2000 

Director, BS&R

First Citizens Bancorporation of South Carolina, Inc., Columbia, South Carolina -- 

election to become a financial holding company.

- Effective, August 10, 2000 

Richmond

Heritage Bancshares, Inc., Mannington, West Virginia -- election to become a 

financial holding company.

- Effective, August 10, 2000 

Richmond

Strategic Capital Bancorp, Inc., Champaign, Illinois -- election to become a financial 

holding company.

- Effective, August 9, 2000 

Chicago

International Operations

Branch Banking and Trust Company, Winston-Salem, North Carolina -- to establish 

an agreement corporation, BB&T International Services, LLC.

- Approved, August 9, 2000 

Director, BS&R

Membership

Illini State Bank, Oglesby, Illinois -- membership in the Federal Reserve System.

- Approved, August 9, 2000 

Chicago

(AC) = Addition or Correction Delegated - Page 7 of 7
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, August 12, 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) FleetBoston Financial Corporation, Boston, Massachusetts - to

acquire up to 9% of North Fork Bancorporation, Inc., Melville,

New York and to indirectly acquire an ownership interest in

Dime Bancorp, Inc., New York, New York

Newspaper - N/Avail

Fed Reg - 09/08/2000

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 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, August 12, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Leonia Corporate Bank plc, Helsinki, Finland, and Leonia Plc,

Helsinki, Finland, to establish a representative office in New

York, New York.

Newspaper – N/Avail

BKBRX European American Bank, New York, New York, to establish a

branch at 2401 Jericho Turnpike, Garden City Park, New York.

Newspaper – 09/05/00

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

Type Application

Ending date of

comment period

4(c)(8) Queens County Bancorp, Inc., Flushing, New York, to acquire

Haven Bancorp, Inc., and CFS Bank, both of Woodhaven, New

York.

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(3), 3(a)(5),

4(c)(8)

M&T Bank Corporation, and Olympia Financial Corporation,

both of Buffalo, New York, to acquire Premier National

Bancorp, Inc., Lagrangeville, New York.

Newspaper – 08/30/00

Fed Reg – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Bank of New York, New York, New York; Chase Manhattan

Corporation, New York, New York; HSBC Holdings plc,

London, HSBC Holdings B.V., Amsterdam, Netherlands, HSBC

USA Inc., Buffalo, New York; Summit Bancorp, Princeton,

New Jersey, to acquire through NYCE Corporation, membership

interest of The Safecheck Company, L.L.C., 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 Fourth Quarter of 2000

 Institution Location

European American EAB Plaza, Uniondale, New York

 IBJ-Whitehall One State Street Plaza, New York, New York
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, August 12, 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, August 12, 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 notification on 08/08/2000 from W. Richard Baker;

Pamela K. Baker; Aline T. Baker; Harold Potter; Terry Potter;

Robert Quincy Baker, III; and the Robert Q. Baker, Jr. Trust of

their intent to acquire up to 24.440 percen of the outstanding

voting shares of Ohio Heritage Bancorp, Coshocton, OH.*

Fed Reg – 08/30/2000

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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, August 12, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Bank of Lancaster, Kilmarnock, Virginia, to purchase certain

assets and assume certain liabilities of two branch offices of

First Virginia Bank, Falls Church, Virginia, and one branch

office of First Virginia Bank - Hampton Roads, Norfolk,

Virginia.*

Newspaper - 8/28/2000

Branch EagleBank, Bethesda, Maryland, to establish a branch at

2001 K Street, N.W., Washington, D. C.*

Newspaper - 09/10/2000

*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 Fourth Quarter of 2000

Institution Location

Allfirst Bank Baltimore, Maryland

Clemson Bank & Trust Clemson, South Carolina

F&M Bank - Northern Virginia Fairfax, Virginia

The Page Valley Bank Luray, Virginia

Bank of the Commonwealth Norfolk, Virginia

Citizens Community Bank South Hill, Virginia

First Bank Strasburg, Virginia

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 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, August 12, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Admiralty Bank, Palm Beach Gardens, Florida, to establish a

branch located at 2 South Orange Avenue, Orlando, Florida, to

be known as Orange Avenue Branch.

08/19/2000*

Branch SunTrust Bank, Atlanta, Georgia, to establish a branch located at

1301 N. Tamiami Trail, Sarasota, Florida, to be known as the

Sarasota Bay Club Office.

08/12/2000*

*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 Port City Holding Company, Inc., Bainbridge, Georgia, afterthe-fact notification by Mr. James Edwin Sharber, Bainbridge,

Georgia, and his immediate family who include the following:

Ms. Tabitha Gail Sharber; Mr. James E. Sharber III; Mr. Jerry

Sharber; Ms. Sandra Lynn Sharber; Ms. Patricia Ann Sharber;

Mr. Elysia Jy Sharber; Mr. James E. Sharber, Jr.; Ms. Gail

Sharber; Ms. Lisa Ann Sharber, Ms. Martha Clement,

Mr. Harold Clement; all of Bainbridge, Georgia; and Mr. Pete

Sharber; Hazelhurst, Georgia; to retain percent of .00196

percent of the outstanding shares of Port City Holding

Company, Incorporated, and its subsidiary, First Port City Bank,

both of Bainbridge, Georgia. Total ownership will be 12.01

percent.

N/Avail

3(a)(3) Cumberland Bancorp, Inc., Brentwood, Tennessee, to acquire 50

percent of the outstanding shares of Insurors Bank of Tennessee,

Nashville, Tennessee (in organization).

Fed Reg - 09/08/2000*

3(a)(1) InsCorp, Inc., Nashville, Tennessee, to become a bank holding

company by acquiring 50 percent of the outstanding shares of

Insurors Bank of Tennessee, Nashville, Tennessee

(in organization).

Fed Reg – 09/08/2000*

*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

Membership Insurors Bank of Tennessee, Nashville, Tennessee, to become a

member of the Federal Reserve System.

4(c)(8) First Volunteer Corporation, Chattanooga, Tennessee, prior

notice to engage in the sale of life insurance, through the

acquisition of Carter-Wilson-Hewgley Insurance, Inc., South

Pittsburg, 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, August 12, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) &

Branches

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

merge with Home Loan Bank, FSB, Fort Wayne, Indiana and

thereby to establish branches at 132 East Berry St., Fort Wayne,

Indiana, 1110 E. Tillman Rd., Fort Wayne, Indiana, 5611 Saint

Joe Rd., Fort Wayne, Indiana, 6128 Covington Rd., Fort Wayne,

Indiana, 926 W. State Blvd., Fort Wayne, Indiana, 6411 E. State

Blvd., Fort Wayne, Indiana, 720 E. Dupont Rd., Fort Wayne,

Indiana, 101 N. Second St., Decatur, Indiana, 334 N. Second St.,

Decatur, Indiana and 1230 E. Lincoln Highway, New Haven,

Indiana.*

Newspaper – 08/28/2000

Branch Salin Bank and Trust Company, Indianapolis, Indiana, for prior

approval to establish a branch at 110 W. Main Street, Fort

Wayne, Indiana.*

Newspaper – 08/04/2000

Branch First Community Bank, Harbor Springs, Michigan, for prior

approval to establish a branch at 201 N. Main Street,

Cheboygan, Michigan.*

Newspaper – 07/29/2000

Branch Prairie Bank and Trust Company, Bridgeview, Illinois, for prior

approval to establish a branch at the S.E. corner of Illinois Route

59 and Andrew Road, Plainfield, Illinois.*

Newspaper – 03/21/2000

* 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) Old Kent Financial Corporation, Grand Rapids, Michigan, for

prior approval to acquire 100 percent of the voting shares of

Home Bancorp, Fort Wayne, Indiana and thereby indirectly

acquire Home Loan Bank, FSB, Fort Wayne, Indiana.*

Fed Reg – 08/25/2000

Newspaper – 08/28/2000

CIC Notification by Scot A. Wall, as Trustee of the Trust, of a

Change in Control of Cashton Bancshares, Inc., Cashton,

Wisconsin.

Fed Reg – 08/24/2000

Newspaper – 08/22/2000
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) Premier Bancorp, Inc., Wilmette, Illinois, for prior approval to

become a bank holding company through the acquisition of 100

percent of the voting shares of Premier Bank (in organization),

Wilmette, Illinois.*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(3) Anita Bancorporation, Atlantic, Iowa, for prior approval to

acquire 100 percent of the voting shares of EWN Investments,

Inc., Ute, Iowa and thereby inidrectly acquire control of at least

95.66 percent of Ute State Bank, Ute, Iowa.*

Fed Reg – 08/17/2000

Newspaper – 08/13/2000

CIC Notification by Edwin L. Adler, of a Change in Control of

Clarkston Financial Corporation, Clarkston, Michigan.

Fed Reg – 08/30/2000

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

4(c)(8) Comerica Incorporated, Detroit, Michigan, notification of intent

to acquire through NYCE Corporation, membership interests in

The SafeCheck Company L.L.C., a Delaware limited liability

company.

Fed Reg – 08/25/2000

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

Peoples’ Bank of Arlington Heights Arlington Heights, Illinois

Cole Taylor Bank Chicago, Illinois

Midwest Bank & Trust Co. Elmwood Park, Illinois

Foxdale Bank South Elgin, Illinois

Midwest Bank of McHenry County Union, Illinois

Irwin Union Bank & Trust Co. Columbus, Indiana

Elkhart Community Bank Elkhart, Indiana

Tower Bank & Trust Co. Fort Wayne, Indiana

Security State Bank Lake Park, Iowa

BankOne Michigan Detroit, Michigan

New Century Bank Southfield, Michigan
Section VI – CRA examinations scheduled for Fourth Quarter of 2000

Institution Location

M&I Bank South Janesville, Wisconsin

M&I Bank of Southern Wisconsin Madison, Wisconsin

M&I Central State Bank Oshkosh, Wisconsin

M&I Bank of Shawano Shawano, Wisconsin

M&I Bank South Central Watertown, Wisconsin

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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, August 12, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Notice by Southern Bank of Commerce, Paragould, Arkansas, to

establish a branch office at 2775 East Nettleton, Jonesboro,

Arkansas.*

8/27/2000

* 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 Fourth Quarter of 2000

Institution Location

Midsouth Bank Jonesboro, Arkansas

The Capital Bank Little Rock, Arkansas

Southern Bank of Commerce Paragould, Arkansas

Bank of Altenburg Altenburg, Missouri

Mid-America Bank and Trust Company Dixon, Missouri

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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, August 12, 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)

CIC

Farmers and Merchants Financial Services, Inc., St. Paul,

Minnesota, for prior approval to merge with Minnesota

Financial Services, Inc., St. Paul, Minnesota.*

Gentwo LLLP to acquire control of Anchor Bancorp, Inc.,

Wayzata, Minnesota.

Newspaper 09/09/2000

Fed Reg – 08/30/2000

3(a)(5) Inter-Mountain Bancorp, Inc., Bozeman, Montana, for prior

approval to merge with Westbanco, West Yellowstone,

Montana.*

Fed Reg – 09/08/2000

*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 Fourth Quarter of 2000

Institution Location

First Interstate Bank of Billings Billings, Montana

BANKFIRST Sioux Falls, South Dakota

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.

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

begin. If an institution’s examination is rescheduled for a date later than the end of the date range

reflected in a published schedule, the institution’s name will be republished in an appropriate later

listing. Any comments received as a result of either the first publication or subsequent publications

will be considered during the examination. Written comments regarding the CRA performance of these

institutions should be directed to Ms. JoAnne Lewellen at the Federal Reserve Federal Reserve Bank of

Minneapolis, Banking Supervision Department, P. O. Box 291, Minneapolis, Minnesota 55480-0291.
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, August 12, 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(a) Central Financial Corporation, Hutchinson, Kansas, for prior

approval to acquire 20 percent of the voting shares of New

Frontier Bancshares, Inc., St. Charles, Missouri, and thereby

indirectly acquire New Frontier Bank, St. Charles, Missouri, a

de novo bank in organization.

Newspaper – N/Available

FedReg – 09/08/2000

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 Lakeside Bank of Salina, Salina, Oklahoma, for prior approval

to become a member of the Federal Reserve System.

3(a)(1)RN VBI Inc., Colorado Springs, Colorado, for prior approval to

become a bank holding company through the reorganization of

100 percent of the voting shares of Vista Bank, Colorado

Springs, Colorado.
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, August 12, 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

25 Southwest Bank of Texas, N.A., Houston, TX, to establish an

offshore branch in the Cayman Islands
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

203856 Citizens Bank and Trust Company

1300 Rollingbrook Drive

Baytown, Texas 77521-3846

05/08/2000 08/12/2000 S X

Section VI – CRA examinations scheduled for Fourth Quarter of 2000

Institution Location

First State Bank

367552

P.O. Box 60

Matador, Texas 79244-0060

United Bank and Trust

326652

1049 North 3rd Street

Abilene, Texas 79601-5833

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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, August 12, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Westamerica Bank, San Rafael, California, to merge with First

Counties Bank, Clearlake, California. *

Newspaper - 08/29/2000

* 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

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

S/R Oak Valley Community Bank, Oakdale, California, to

repurchase up to five percent of its outstanding shares.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

181169 Foothill Independent Bank

510 S. Grand Avenue

Glendora, California 91741

(626) 963-8551

04/07/2000 08/07/2000 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 Fourth Quarter of 2000

Institution Location

Bank of Santa Clara Santa Clara, CA

Bank of the Orient San Francisco, CA

Eldorado Bank Tustin, CA

First Security Bank Las Vegas, NV

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.