Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 51

Week Ending December 16, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 10, 2000 to December 16, 2000

Advisory Councils

Consumer Advisory Council -- appointment of ten new members and designation of 

Lauren Anderson as Chair and Dorothy Broadman as Vice Chair for 2001.

- Approved, December 13, 2000 

Bank Holding Companies

The Chase Manhattan Corporation, New York, New York -- to merge with J.P. 

Morgan & Co. Incorporated and thereby acquire Morgan Guaranty Trust Company 

of New York; and for The Chase Manhattan Bank to merge with Morgan Guaranty 

Trust and thereby establish branches.

- Approved, December 11, 2000 

Regulations And Policies

Data processing activities -- request for comment on proposed amendment to 

Regulation Y to increase the amount of nonfinancial data processing permissible for 

bank and financial holding companies, and to allow financial holding companies to 

invest in companies engaged in certain data storage, web hosting, and data 

processing advisory activities related to the provision of financial products and 

services [Docket No. R-1092].

- Approved, December 13, 2000 

Financial holding companies -- request for comment on proposed amendment to 

Regulation Y to add real estate brokerage and management services to the list of 

activities permissible for financial holding companies [Docket No. R-1091].

- Approved, December 13, 2000 

Home-equity lending -- request for comment on proposed amendments to Regulation 

Z (Truth in Lending) to enhance protections of the Home Ownership and Equity 

Protection Act [Docket No. R-1090].

- Approved, December 13, 2000 

Regulation Y -- final rule to allow financial holding companies to act as a finder in 

bringing together buyers and sellers for transactions that the parties themselves 

negotiate and consummate [Docket No. R-1078].

- Approved, December 13, 2000 

Reserve Bank Operations

Federal Reserve Bank budgets -- budgets for 2001.

- Approved, December 13, 2000 

(AC) = Addition or Correction Board - Page 1 of 2
H.2 Board Actions December 10, 2000 to December 16, 2000

Enforcement

Banco Industrial de Venezuela, Caracas, Venezuela, and Banco Industrial de 

Venezuela Miami Agency, Miami, Florida -- written agreement dated December 12, 

2000, with the Federal Reserve Bank of Atlanta.

- Announced, December 12, 2000 

Bancomer, S.A., Mexico City, Mexico -- consent cease and desist order dated 

December 12, 2000.

- Announced, December 12, 2000 

Bancomer, S.A., Mexico City, Mexico, and Banca Serfin, S.A., Lomas de Sante 

Fe -- determination not to conduct a termination proceeding.

- Announced, December 12, 2000 

Bancomer, S.A., Mexico City, Mexico; Banca Serfin, S.A., Lomas de Sante Fe; and 

Banco Industrial de Venezuela, Caracas, Venezuela -- termination of temporary 

cease and desist orders issued May 1998.

- Announced, December 12, 2000 

Bankers Trust Company, New York, New York -- order of prohibition against Bruce 

Jeffrey Kingdon, a former partner, managing director, employee, and institutionaffiliated party.

- Announced, December 12, 2000 

Barnett Bank, N.A., Jacksonville, Florida -- final decision and order of prohibition 

against Kaye G. Hill, a former employee.

- Announced, December 13, 2000 

People's Bancshares, Inc., New Bedford, Massachusetts -- written agreement dated 

December 5, 2000, with the Federal Reserve Bank of Boston.

- Announced, December 12, 2000 

(AC) = Addition or Correction Board - Page 2 of 2
December 10, 2000 to December 16, 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

BancFirst, Oklahoma City, Oklahoma -- to establish a branch at 608 George Nigh 

Expressway, McAlester.

- Approved, December 11, 2000 

Kansas City

Bank Independent, Sheffield, Alabama -- to establish a branch at 1029 Avalon 

Avenue, Muscle Shoals, and to increase investment in bank premises.

- Approved, December 15, 2000 

Atlanta

California Center Bank, Los Angeles, California -- to establish a branch at 4444 

Convoy Street, San Diego.

- Approved, December 13, 2000 

San Francisco

Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 900 

Hendersonville Road, Asheville.

- Approved, December 15, 2000 

Secretary

Hanover Bank, Mechanicsville, Virginia -- to establish a branch at 10374 Leadbetter 

Road, Ashland.

- Approved, December 13, 2000 

Richmond

Horizon Bank, Bradenton, Florida -- to establish a branch at 59th Street and 21st 

Avenue West.

- Approved, December 14, 2000 

Atlanta

Legacy Bank of Texas, Plano, Texas -- to establish a branch at 5000 Legacy Drive.

- Approved, December 13, 2000 

Dallas

(AC) = Addition or Correction Delegated - Page 1 of 9
H.2 Actions under delegated authority December 10, 2000 to December 16, 2000

Bank Branches, Domestic

Old Kent Bank, Grand Rapids, Michigan -- to establish branches at 411 Town Center 

Drive, Highland, and 1821 N. Campbell, Royal Oak.

- Approved, December 11, 2000 

Secretary

Bank Holding Companies

1st Financial Bancshares, Inc., Shawnee Mission, Kansas -- to become a bank 

holding company through the acquisition of Sylvan Agency, Inc., Sylvan Grove, and 

thereby acquire Sylvan State Bank; for Sylvan State Bank to merge with Centerville 

State Bank, Centerville, and thereby establish a branch; for Sylvan State Bank to 

acquire the assets and assume the liabilities of the Overland Park branch of Kendall 

State Bank, Valley Falls, and thereby operate another branch; and for Meader 

Insurance Agency, Inc., Waverly, to acquire an interest in 1st Financial Bancshares.

- Approved, December 11, 2000 

Kansas City

Capital City Bank Group, Inc., Tallahassee, Florida -- (1) to merge with First 

Bankshares of West Point, Inc., West Point, Georgia, and thereby acquire First 

National Bank of West Point, and for Capital City Bank, Tallahassee, to merge with 

First National Bank of West Point; and (2) to acquire First Bankshares' interest in 

First Peoples Bankshares, Inc., Pine Mountain, Georgia, and thereby acquire First 

Peoples Bank and First Mortgage Company.

- Approved, December 11, 2000 

Atlanta

Century South Banks, Inc., Dahlonega, Georgia -- transfer agent registration.

- Withdrawn, December 15, 2000 

Director, BS&R

Chemical Financial Corporation, Midland, Michigan -- to acquire Shoreline Financial 

Corporation, Benton Harbor, and Shoreline Bank.

- Approved, December 11, 2000 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 9
H.2 Actions under delegated authority December 10, 2000 to December 16, 2000

Bank Holding Companies

Citizens Bancorp of Oviedo, Oviedo, Florida -- to become a bank holding company 

through the acquisition of Citizens Bank of Oviedo.

- Approved, December 11, 2000 

Atlanta

Compass Bancshares, Inc., Birmingham, Alabama -- to merge with FirsTier 

Corporation, Northglenn, Colorado, and thereby acquire FirsTier Bank and Firstate 

Bank, Kimball, Nebraska; and for Compass Bank, Birmingham, Alabama, to merge 

with FirsTier Bank and Firstate Bank.

- Approved, December 13, 2000 

Secretary

Cooper Lake Financial Corporation, Cooper, Texas -- to acquire The Delta Bank.

- Approved, December 11, 2000 

Dallas

Dresdner Bank Aktiengesellschaft, Frankfurt, Germany -- to acquire Wasserstein 

Perella Group, Inc., New York, New York, and to engage in certain nonbanking 

activities, including limited underwriting and dealing in debt and equity securities.

- Approved, December 11, 2000 

New York

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

Millennium Bank, San Francisco, California.

- Approved, December 12, 2000 

St. Louis

Firstar Corporation, Milwaukee, Wisconsin -- commenter's request to extend the 

comment period for the application to merge with U.S. Bancorp, Minneapolis, 

Minnesota.

- Denied, December 13, 2000 

Secretary

FleetBoston Financial Corporation, Boston, Massachusetts -- commenters' requests 

to extend the comment period for the application to acquire Summit Bancorp, 

Princeton, New Jersey.

- Denied, December 14, 2000 

Secretary

(AC) = Addition or Correction Delegated - Page 3 of 9
H.2 Actions under delegated authority December 10, 2000 to December 16, 2000

Bank Holding Companies

Heritage Group, Inc., Aurora, Nebraska -- to acquire Heritage Bank, N.A., 

Doniphan, a de novo bank.

- Approved, December 14, 2000 

Kansas City

Lenawee Bancorp, Inc., Adrian, Michigan -- to acquire Bank of Washtenaw, Saline, 

a de novo bank; and for Bank of Washtenaw to become a member of the Federal 

Reserve System and to acquire certain assets and assume certain liabilities of the 

Saline branch of Bank of Lenawee, Adrian, and thereby establish a branch.

- Approved, December 11, 2000 

Chicago

Marquette Bancshares, Inc., Minneapolis, Minnesota -- to acquire shares of 

Commerce Bank of Santa Barbara, N.A., Santa Barbara, California.

- Approved, December 14, 2000 

Minneapolis

Mason National Bancshares of Nevada, Inc., Carson City, Nevada -- to become a 

bank holding company through the acquisition of Mason National Bank, Mason, 

Texas; and for Mason National Bancshares, Inc., Mason, to become a bank holding 

company through the acquisition of both institutions.

- Approved, December 14, 2000 

Dallas

Mississippi Valley Bancshares, Inc., St. Louis, Missouri -- to acquire Southwest 

Bank of Phoenix, Phoenix, Arizona.

- Approved, December 12, 2000 

St. Louis

Nara Bancorp, Inc., Los Angeles, California -- to become a bank holding company 

through the acquisition of Nara Bank N.A.

- Approved, December 15, 2000 

San Francisco

(AC) = Addition or Correction Delegated - Page 4 of 9
H.2 Actions under delegated authority December 10, 2000 to December 16, 2000

Bank Holding Companies

Northwest Mutual Holding Company, Winsted, Connecticut, and Litchfield Mutual 

Holding Company, Litchfield -- for Northwest Mutual to become a mutual holding 

company through the acquisition of Northwest Community Bank, Winsted; for 

Litchfield Mutual to become a mutual holding company through the acquisition of 

Litchfield Bancorp, Litchfield; and for Connecticut Mutual Holding Company, 

successor to Northwest Mutual, to merge with Litchfield Mutual.

- Approved, December 15, 2000 

Boston

Northwest Suburban Bancorp, Inc., Mount Prospect, Illinois -- to acquire Village 

Bank and Trust, North Barrington.

- Approved, December 14, 2000 

Chicago

PNB Financial Bank, Lubbock, Texas; Plains Capital Corporation; and Maedgen and 

White Ltd., Dallas -- waiver of applications in connection with the acquisition of City 

National Bank, Austin; and for PNB Financial Bank to merge with City National 

Bank and thereby establish a branch at 401 Congress Avenue, Austin.

- Approved, December 11, 2000 

Dallas

Sooner Southwest Bankshares, Inc., Tulsa, Oklahoma -- to acquire The First 

National Bancorporation of Heavener, Heavener.

- Approved, December 14, 2000 

Kansas City

Summit Bank Corporation, Atlanta, Georgia -- to acquire shares of Global 

Commerce Bank, Doraville.

- Returned, December 14, 2000 

Atlanta

Tri-State Bancshares, Inc., Haughton, Louisiana -- to become a bank holding 

company through the acquisition of Tri-State Bank and Trust.

- Approved, December 13, 2000 

Dallas

(AC) = Addition or Correction Delegated - Page 5 of 9
H.2 Actions under delegated authority December 10, 2000 to December 16, 2000

Bank Mergers

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to merge with M&I Central 

State Bank, Oshkosh; M&I Bank of Shawano, Shawano; M&I Bank Fox Valley, 

Appleton; and M&I Bank Northeast, Green Bay, and thereby establish branches.

- Withdrawn, December 13, 2000 

Chicago

Banks, Nonmember, And Miscellaneous Institutions

Marine Trust and Investment Company, Bolington, Illinois -- transfer agent 

registration.

- Withdrawn, December 15, 2000 

Director, BS&R

Banks, State Member

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

- Approved, December 15, 2000 

San Francisco

Capital Stock

Arvest Bank, Joplin, Missouri -- to invest in the capital stock and participate in the 

credit card program of Security BankCard Center, Inc., Norman, Oklahoma.

- Approved, December 12, 2000 

St. Louis

Village Bancorp, Inc., Arlington Heights, Illinois -- redemption of common stock.

- Approved, December 14, 2000 

Chicago

Change In Bank Control

Antelope Bancshares, Inc., Elgin, Nebraska -- change in bank control.

- Permitted, December 14, 2000 

Kansas City

CSB, Inc., Bixby, Oklahoma -- change in bank control.

- Permitted, December 11, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 6 of 9
H.2 Actions under delegated authority December 10, 2000 to December 16, 2000

Change In Bank Control

FNB Financial Services, Inc., Cambridge, Nebraska -- change in bank control.

- Permitted, December 11, 2000 

Kansas City

Heritage Bancshares, Inc., Mannington, West Virginia -- change in bank control.

- Permitted, December 14, 2000 

Richmond

Competitive Factors Reports

Bank Midwest, N.A., Kansas City, Missouri -- report on competitive factors of the 

proposed merger with Hardin Federal Savings Bank, FSB, Hardin.

- Submitted, December 14, 2000 

Kansas City

City Bank, Lubbock, Texas -- report on competitive factors of the proposed merger 

with West Texas Trust Company, Levelland.

- Submitted, December 15, 2000 

Dallas

Commercial Bank of Everett, Everett, Washington -- report on competitive factors 

of the proposed merger with Everett Mutual Bank.

- Submitted, December 14, 2000 

San Francisco

The Delta Bank, Cooper, Texas -- report on competitive factors of the proposed 

merger with CLFC Acquisition Corporation.

- Submitted, December 11, 2000 

Dallas

First United Bank and Trust Company, Durant, Oklahoma -- report on competitive 

factors of the proposed merger with First United Bank, Sapulpa.

- Submitted, December 12, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 7 of 9
H.2 Actions under delegated authority December 10, 2000 to December 16, 2000

Competitive Factors Reports

Texas State Bank, Joaquin, Texas -- report on competitive factors of the proposed 

acquisition of the Chester branch of Commercial Bank of Texas, N.A., Nacogdoches.

- Submitted, December 15, 2000 

Dallas

Wells Fargo Bank New Mexico, N.A., Albuquerque, New Mexico -- report on 

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

certain liabilities of First Security Bank of New Mexico, N.A.

- Submitted, December 12, 2000 

Kansas City

Extensions Of Time

Frankston Bancorp, Inc., Frankston, Texas -- extensions to January 16, 2001, to 

become a bank holding company through the acquisition of FDB, Inc., Dover, 

Delaware, and First State Bank, Frankston, Texas; and for FDB, Inc. to become a 

bank holding company through the acquisition of First State Bank.

- Granted, December 15, 2000 

Dallas

Financial Holding Companies

Community National Bancorporation, Waterloo, Iowa -- election to become a 

financial holding company.

- Effective, December 14, 2000 

Chicago

First Financial Corporation, Terre Haute, Indiana -- election to become a financial 

holding company.

- Effective, December 14, 2000 

Chicago

Wilmington Trust Corporation, Wilmington, Delaware -- election to become a 

financial holding company.

- Effective, December 12, 2000 

Philadelphia

(AC) = Addition or Correction Delegated - Page 8 of 9
H.2 Actions under delegated authority December 10, 2000 to December 16, 2000

Membership

Southwest Bank of Phoenix, Phoenix, Arizona -- membership in the Federal Reserve 

System.

- Approved, December 13, 2000 

San Francisco

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

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, December 16, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, December 16, 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, Georgia.

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

Change in Control Change in Bank Control with regard to Warwick Community

Bancorp, Inc. Employee Stock Ownership Plan to acquire up to

10.32 percent of the outstanding stock of Warwick Community

Bancorp, Inc., Warwick, New York.

Newspaper – N/Avail

Fed Reg -– 01/03/2001

3(a)(1)/3(a)(5) Chinatrust Commercial Bank, Ltd, Taipei, Taiwan, to indirectly

acquire 100 percent of the shares of Chinatrust Bank (U.S.A.),

Torrance, California.

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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, December 16, 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, December 16, 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) Received application from United Bancshares, Inc., Columbus

Grove, OH on 12/14/2000 to acquire Citizens Bank of Delphos,

FSB, Delphos, OH.*

Newspaper - 01/12/2001

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, December 16, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch F&M Bank-Richmond, Richmond, Virginia, to establish a

branch at 7016 Mechanicsville Turnpike, Mechanicsville,

Virginia.*

Newspaper - 12/24/2000

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(3) Wachovia Corporation, Winston-Salem, North Carolina,

to acquire Republic Security Financial Corporation, West

Palm Beach, Florida.*

Fed Reg - N/Avail

Newspaper - N/Avail

*Subject to the provision of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, December 16, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at 12720 Atlantic Boulevard, Jacksonville, Florida.

12/26/2000*

Branch Bank of York, York, Alabama, to establish a branch located at

714-716 North Washington Street, Livingston, Alabama.

12/22/2000*

Branch Horizon Bank, Bradenton, Florida, to establish a branch located

at 59th Street and 21st Avenue, West, Bradenton, Florida.

12/11/2000*

*Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) First Deposit Bancshares, Inc., Douglasville, Georgia, to become

a bank holding company by acquiring Douglas Federal Bank,

Douglasville, Georgia.

Fed Reg - 01/05/2001*

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

WAIVR Alliance Capital Partners, L.P., Jacksonville, Florida, application

waiver request with respect to the proposed merger of its

subsidiary, First Alliance Bank, Jacksonville, Florida, with

Marine National Bank, Jacksonville, Florida.

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, December 16, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) &

 Branch

First American Bank, Fort Dodge, Iowa, proposes to purchase

the assets and assume the liabilities of three branch offices of

Brenton Bank, Des Moines, Iowa, and thereby establish three

branch offices at 2805 Beaver, Des Moines, Iowa; 4729 S. W.

9th, Des Moines, Iowa; and 7031 Douglas Ave., Urbandale,

Iowa.*

Newspaper – 12/08/2000

18(c) &

 Branch

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

approval to merge with M&I Central State Bank, Oshkosh,

Wisconsin, M&I Bank of Shawano, Shawano, Wisconsin, M&I

Bank Fox Valley, Appleton, Wisconsin and M&I Bank

Northeast, Green Bay, Wisconsin and thereby to establish 44

branch offices.*

Newspaper – 12/09/2000

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Stichting Prioriteit ABN AMRO Holding, Stichting

Administratiekantoor ABN AMRO Holding, ABN AMRO

Holding N.V., ABN AMRO Bank N.V., all located in

Amsterdam, The Netherlands; ABN AMRO North America

Holdings Company and ABN AMRO North America, Inc., both

located in Chicago, Illinois; for prior approval to acquire 100

percent of the voting shares of Michigan National Corporation,

Farmington Hills, Michigan, and thereby indirectly acquire

Michigan National Bank, Farmington Hills, Michigan.*

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) M.S. Investment Company, Inc., Milwaukee, Wisconsin, for

prior approval to extend credit.

Fed Reg – N/Avail

4(c)(8) Stichting Prioriteit ABN AMRO Holding, Stichting

Administratiekantoor ABN AMRO Holding, ABN AMRO

Holding N.V., ABN AMRO Bank N.V., all located in

Amsterdam, The Netherlands; ABN AMRO North America

Holdings Company and ABN AMRO North America, Inc., both

located in Chicago, Illinois; for prior approval to acquire

Independence Life Insurance Company, Phoenix, Arizona and

Independence One Capital Management Corporation,

Farmington Hills, Michigan.*

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
Section V – Availability of CRA public evaluations

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

689740 F&M Bank-Iowa Central

11 N. 1st Avenue

Marshalltown, Iowa 50158

(515) 754-5500

07/10/2000 12/12/2000 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, December 16, 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 Notice involving Security Bancshares, Inc., Amory, Mississippi,

by David Gunter Hodo, Amory, Mississippi, to retain 30.2

percent. (Previously submitted during the week ending

December 9, 2000)

Newspaper – 12/26/2000

Fed Reg – 12/27/2000

3(a)(3), 3(a)(3) Companion notices by The Lea M. McMullan Trust,

Shelbyville, Kentucky, and Citizens Union Bancorp of

Shelbyville, Inc., Shelbyville, Kentucky, to acquire Dupont State

Bank, Dupont, Indiana.*

Newspaper – N/Avail.

Fed Reg – 1/19/2001

* 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

§24A FR Act Notice by The Missouri Bank, Warrenton, Missouri, to make

additional investment in bank premises.

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, December 16, 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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, December 16, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Shoshone First Bank, Cody, Wyoming, for prior approval to

establish branches at 321 Yellowstone Avenue, Cody, Wyoming

and at 161 North Absaroka, also known as 102 East 2nd and 106

East 2nd, Powell, Wyoming.

Newspaper – 12/26/2000

Branch Arvest Bank, Norman, Oklahoma, for prior approval to establish

a branch at 824 S.E. 4th Street, Moore, Oklahoma.

Newspaper – 12/16/2000

Branch Legacy Bank, Hinton, Oklahoma, for prior approval to establish

a branch at 1401 S. Broadway, Marlow Oklahoma.

Newspaper – 12/22/2000

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

Type Application

Ending date of

comment period

3(a)(1) Clayco Banc Corporation, Claycomo, Missouri, for prior

approval to become a bank holding company through the

acquisition of 100 percent of the issued and outstanding stock of

Clayco Bancshares, Inc., Claycomo, Missouri.

Newspaper – 01/05/2001

FedReg – N/Available

4(c)(8) Strum Financial Group, Inc., Denver, Colorado, for prior

approval to acquire 100 percent of the voting shares of

Community Financial Services, Inc., Denver, Colorado, and

thereby, engage in data processing activities.

Newspaper – N/Available

FedReg – N/Available

CIC James A. Waters, Wynnewood, Oklahoma, and Janet G. Streich,

Englewood, Colorado; to acquire voting shares of Garvin

County Bancshares, Inc., Wynnewood, Oklahoma, and thereby

indirectly acquire voting shares of State Bank of Wynnewood,

Wynnewood, Oklahoma.

FedReg – 01/02/2001
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, December 16, 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 John Eric Swenson, Spur, TX, only notificant, to acquire an

interest in Ranco Bancshares, Inc., Spur, TX

Fed Reg – 01/03/2001

Newspaper – 12/27/2000

3(a)(1) Dickinson Holdings, Inc., Dickinson, TX, to acquire

Dickinson Holdings of Delaware, Inc., Wilmington, DE, and

The Citizens State Bank of Dickinson, Dickinson, TX*

(previously reported the week ending December 9, 2000)

Fed Reg – 01/11/2001

Newspaper – 01/04/2001

3(a)(1) Dickinson Holdings of Delaware, Inc., Wilmington, DE, to

acquire The Citizens State Bank of Dickinson, Dickinson, TX*

(previously reported the week ending December 9, 2000)

Fed Reg – 01/11/2001

Newspaper – 01/04/2001

*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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, December 16, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch California Center Bank, Los Angeles, California, to establish

three branch offices located at: 2742 West Sepulveda

Boulevard, Torrance, California; 17127 Pioneer Boulevard,

Artesia, California; and 3435 Wilshire Boulevard, Los Angeles,

California. *

Newspaper – 11/30/2000

Branch Bank of the Orient, San Francisco, California to establish a

branch office at 18605 East Gale Avenue, City of Industry,

California. *

Newspaper – 12/28/2000

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

Type Application

Ending date of

comment period

CIC Louis Charles McMurray, Madera, California, to acquire

additional shares of Central Valley Community Bancorp, Clovis,

California. *

Newspaper – N/Avail

Fed Reg – 01/05/2001

* 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) City National Corporation, Beverly Hills, California, to acquire

Reed, Conner & Birdwell, Inc., Los Angeles, California, and

thereby engage in acting as investment and financial advisor,

and providing administrative services to mutual funds.

Fed Reg – 01/05/2001
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

Member Bank of Los Altos, Los Altos, California to become a member of

the Federal Reserve System.

4(c)(8) Wells Fargo & Company, San Francisco, California, together

with Wells Fargo Financial Services, Inc., and Wells Fargo

Financial, Inc., Des Moines Iowa, to acquire Conseco Finance

Vendor Services Corporation, Paramus, New Jersey.

COM Community Bancorporation, Pleasant Grove, Utah, request for

relief of commitment not to incur debt in excess of $500,000,

without prior approval from the Reserve 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