SunTrust Banks of Florida, Inc.

Orlando, Florida
To engage in trust activities, act as fiduciary, and provide investment advice by
establishing SunTrust Banks Trust Company (Cayman) Limited, Grand Cayman, Cayman
Islands, British West Indies, pursuant to Sections 211.5(c) (4) and 211.5(d) (4) and
(8) of Regulation K.



Satisfactory record of meeting community credit needs: An institution has a
satisfactory record of ascertaining and meeting the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.

Needs to Improve record of meeting community credit needs: An institution needs to
improve its overall record of ascertaining and helping to meet the credit needs of its
entire delineated community, including low- to moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.

in meeting community credit needs: An institution has a
substantially deficient record of ascertaining and helping to meet the credit needs of
its entire delineated community, including low- to moderate-income neighborhoods, in
a manner consistent with its resources and capabilities.

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 V_- AVAILABILITY OF CRA PUBLIC EVALUATIONS
FOR THE WEEK OF DECEMBER 30, 1996

Outstanding record of meeting community credit needs.

An institution in this group has an outstanding record of, and is a
Jeader in, ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.

Satisfactory record of meeting community credit needs.

An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated community.
including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.

Needs to Improve record of meeting community credit needs.

An institution in this group need to improve its overall record of
ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods ,
in a manner consistent with its resources and capabilities.

Substantial Noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of
ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods ,
in a manner consistent with its resources and capabilities.

Date of
Bank Examination CRA Rating

None.



FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS

The following institutions were examined for CRA. The 30-business day period the bank has to make
the evaluation public has lapsed during the week ending January 3, 1997.

Identification of Ratings

In connection with the assessment of each insured depository institution's CRA performance, a rating
is assigned from the following groups:

Outstanding record of meeting community credit needs.

An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs.

An institution in this group has a satisfactory record of ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.

Needs to improve record of meeting community credit needs.

An institution in this group needs to improve its overall record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs.

An institution in this group has a substantially deficient record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income neighborhoods,
in a manner consistent with its resources and capabilities.

Bank/Location Examination Date CRA Rating
Laurel Bank 10/24/96 Satisfactory

111 W. High Street
Ebensburg, PA

Twin Rivers Community Bank 2/12/96 Satisfactory
2925 William Penn Hwy
Easton, PA



Federal Reserve Bank of Chicago

ection I - Applications Subject to New: r
Notice Only-cont’d

Comment
Period
Type Application Ending Date
Merger & Branch Pullman Bank and Trust Company NP - 12-20-96
Chicago, Illinois
Pullman Bank of Commerce & Industry
Chicago, Illinois
Branch at 6100 N. Northwest Highway
Chicago, Illinois
Member Michigan Heritage Bank NP - **

Novi, Michigan (in organization)
To become a member of the Federal Reserve System

NP - Newspaper

FR - Federal Register

* - Subject to Provisions of Community Reinvestment Act
** — Not available at this time



H.2

DECEMBER 30, 1996 TO JANUARY 3, 1997

PAGE 5S

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

CHANGE IN BANK CONTROL

Chicago

MWA Bancorporation, Estherville, Iowa -- change in
bank control.
Permitted, January 2, 1997.

COMPETITIVE FACTORS REPORTS

Kansas City

Atlanta

Atlanta

Chicago

Minneapolis

Atlanta

Adair State Bank, Adair, Oklahoma, proposed merger
with Bank of Commerce, N.A., Catoosa, Oklahoma --
report on competitive factors.

Submitted, December 31, 1996.

Colonial BancGroup, Inc., Montgomery, Alabama,
proposed acquisition of the assets and assumption
of the liabilities of D/W Bancshares, Inc.,
Dalton, Georgia, and Dalton/Whitfield Bank &
Trust -- report on competitive factors.

Submitted, December 30, 1996.

Colonial Bank, Orlando, Florida, proposed merger with
Colonial Bank of South Florida, Miami, Florida --
report on competitive factors.

Submitted, December 30, 1996.

Farmers State Savings Bank, Independence, Iowa,
proposed purchase of the assets and assumption of
the liabilities of the Cedar Falls; and Waterloo,
Towa, offices of Americus Bank, Des Moines, Iowa --
report on competitive factors.

Submitted, December 30, 1996.

Great Lakes National Bank Ohio, Hamilton, Ohio,
proposed purchase of certain assets and assumption
of certain liabilities of Great Lakes National Bank
Michigan, Ann Arbor, Michigan -- report on
competitive factors.

Submitted, January 3, 1997.

Metro Bank of Dade County, Coral Springs, Florida,
proposed acquisition of the assets and assumption
of the liabilities of Interim Metro Corporation --
report on competitive factors.

Submitted, December 30, 1996.



Federal Reserve Bank of Kansas City

An institution in this group has a satisfactory record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Needs to improve record of meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderate-
income neighborhoods, in a manner consistent with its resources and capabilities.
Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping

to meet the credit needs of its entire delineated community, including low- and moderate-
income neighborhoods, in a manner consistent with its resources and capabilities.

CRA Public CRA
B ati Exam Date Date Rating
Bank of Holyrood 09/30/96 01/02/97 Satisfactory

P.O. Box 128
Holyrood, Kansas 67450-0128

*Application is subject to CRA.



ederal_ Reserve Bank © tlan'
Applications Bulletin for Week Ending January 3, 1997

Section 10 - Availability of CRA Public Evaluation

The CRA public evaluations of the insured depository institutions listed below
became available during this week. Information about an institution's CRA
evaluation may be obtained directly from the institution. In connection with the
assessment of an institution's CRA performance, a rating is assigned from the
following groups:

Qutstanding record of meeting community credit needs: An institution has an
outstanding record of, and is a leader in, ascertaining and helping to meet the
eredit needs of its entire delineated community, including low- and moderate-
income neighborhoods, in a manner consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs: An institution has a
satisfactory record of ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderate-income neighborhoods, in
a manner consistent with its resources and capabilities.

Needs to improve record of meeting community credit needs: An institution needs
to improve its overall record of ascertaining and helping to meet the credit needs
of its entire delineated community, including low- and moderate-income

neighborhoods, in a manner consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs: An institution has
a substantially deficient record of ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Examination

Bank CRA Rating Date
First Northwest Florida Satisfactory 09-23-96
Bank

Post Office Box 3040
Fort Walton Beach, Florida 32548
(904) 244-9293



Federal Reserve Bank of Chicago

Section II - Applications Subject to Both Newspaper and Federal
Register Notice Cont’d

3(a)(1) Damen Financial Corporation* FR - **
Schaumburg, Illinois NP - **
Damen National Bank
Schaumburg, Illinois

3(a)(1) Barker Brothers, Inc.* FR - 12-13-96
Springfield, Illinois NP - 12-15-96
Middletown Bancorp, Inc.
Middletown, Illinois
Middletown State Bank
Middletown, Illinois
Latham Bancorp, Inc.
Latham, Utinois
State Bank of Latham
Latham, iinois



Type

3(a)(1) Notice

Branch

Branch

Branch

NP - Newspaper
FR - Federal Register

Federal Reserve Bank of Chicago

Section I -~ Applications Subject to Newspaper

Notice Only
Comment
Period
Application Ending Date
Lakeland Financial Corporation NP - 12-31-96
Round Lake Heights, Illinois
Lakeland Community Bank
Round Lake Heights, Illinois
First Bank & Trust of Evanston NP - 1-13-97
Evanston, Illinois
2925 Central Street
Evanston, Illinois
First American Bank NP - 1-13-97
Carpenterville, Illinois
Northeast Corner of Randall Road and Gleneagle Drive
Geneva, Illinois
F&M Bank Portage County NP - 12-31-96

Park Ridge, Wisconsin
128 Highway 10 East
Amherst, Wisconsin

* - Subject to Provisions of Community Reinvestment Act
** - Not available at this time



FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF DECEMBER 30, 1996

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
NOTICE ONLY

APPLICATION NOTICE EXP

*Section 18(c) application received from

Bank of the West, El Paso, TX, to acquire through a

purchase and assumption transaction certain assets and

liabilities of a branch of NationsBank of Texas, N.A.

Dallas, TX 97/01/18

*Section 9 application received from
Bank of the West, El Paso, TX, to establish a branch at
10400 Montwood Drive, El Paso, TX 79935 97/01/18

SECTION II_- APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE

APPLICATION ** NOTICE EXP

None.

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER
NOTICE ONLY

APPLICATION NOTICE EXP

None.

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR_ NEWSPAPER NOTICE

AP-LICATION

None.

* SUBJECT TO CRA.
** EXPIRATION DATE IS THE DATE SPECIF.ED IN THE NEWSPAPER NOTICE ONLY.
N/A - NOT AVAILABLE AT THIS TIML.



Federal Reserve Bank of Richmond
| . ilabili £ CRA Public Eval

Week ending January 3, 1997

Def . £ Rati

Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner con-
sistent with its resources and capabilities.

Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.

Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record of ascer-~
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of ascer-
taining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.

Examination
Date Rating
F & M Bank-Emporia
401 Halifax Street
Emporia, Virginia 23847-1711 9-16-96 Satisfactory
St. Michaels Bank
213 Talbot Street
St. Michaels, Maryland 21663 9-30-96 Satisfactory

Miners Exchange Bank
483 Front Street
Coeburn, Virginia 24230 10-1-96 Outstanding



FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

SECTION -_ APPLICATIONS SUBJECT TO
NEWSPAPER NOTICE ONLY

Comment Period Ending Date

NONE

SECTION II - APPLICATION: UBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE

Application mment Peri i Da
Granite State Bankshares, Newspaper 01-07-97

Inc., Keene, New Hampshire

(Bankshares) - notice of Federal Register 01-27-97

Change in Control by
Granite State Bankshares,
Inc. Employee Stock
Ownership Plan to acquire
0.57% of Bankshares and
thereby own 10.38%

SECTION IIT - APPLICATIONS SUBJECT TO

FEDERAL REGISTER NOTICE ONLY

Application Comment Peri E

NONE

SECTION IV - APPLICATIONS NOT SUBJECT TO
FEDERAL REGISTER OR NEWSPAPER NOTICE

Application

NONE

SECTION V_- AVAILABILITY OF CRA PUBLIC EVALUATIONS

Institution Examination Date Rating**

NONE
*Subject to CRA.
**Rating Definitions: "O" - Outstanding; "S" - Satisfactory; "N" - Needs to

Improve; "SN" - Substantial Noncompliance.



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending January 3, 1997

ASSIGNMENT OF RATING
dentification of Ratings

In connection with the assessment of each insured depository institution's CRA performance, a rating is
assigned from the following groups:

OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.

An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.

An institution in this group has a satisfactory record of ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.

NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.

An institution in this group needs to improve its overall record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in
a manner consistent with its resources and capabilities.

SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.

An institution in this group has a substantially deficient record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low-and moderate-income neighborhoods, in
a manner consistent with its resources and capabilities.

BANK(S) EXAMINED. DATE OF EXAMINATION CRA RATING

NONE.


Federal Reserve Bank of St. Louis

FOR THE WEEK ENDING JANUARY 3, 1997

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE

Application End of Comment Period

None.

SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE

Application End of Comment Period

* Section 3(a)(1) application by NCF Financial

Corporation, Bardstown, Kentucky, to become a

bank holding company through the conversion

of its subsidiary, Nelson County Federal Savings

and Loan Association, Bardstown, Kentucky,

into a commercial bank to be known as Neison

County Bank & Trust, Bardstown, Kentucky. Newspaper: 1-15-97

* Section 3(a)(1) application by FGH Bancorp,

Inc., Herrin, Illinois, to acquire The Bank of

Herrin, Herrin, Illinois, and Carterville State

and Savings Bank, Carterville, Illinois. Federal Register: 2-3-97

SECTION Ill - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE

Application End of Comment Period
None.

SECTION Iv - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE

Application End of Comment Period

Section 9 membership application by First Federal

Bank, Memphis, Tennessee, which will be the bank

that will result from the conversion of a federal

savings bank, First Federal Bank, FSB, Memphis,

Tennessee, into a state-chartered commercial bank. N/A

* This application/notification is subject to CRA.



H.2
DECEMBER 30, 1996 TO JANUARY 3, 1997
PAGE 7

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS

Chicago Woodford County Bank, El Paso, Illinois, proposed
merger with Heartland Bank & Trust Company,
Bloomington; and First National Bank & Trust
Company in Gibson City, Gibson City, Illinois --
report on competitive factors.
Submitted, December V1, 1996.

EXTENSIONS OF TIME

San Francisco . . . .
BankAmerica Corporation, San Francisco, California --
extension to divest certain property.

Granted, January 3, 1997.

New York Emigrant Bancorp, Inc., New York, New York --
extension to April 1, 1997, to acquire more than
5S percent but less than 10 percent of the shares of
Queens County Bancorp, Inc., Flushing, New York.
Granted, December 31, 1996.

New York Multinet International Bank, New York, New York --
extension to March 5, 1997, to become a member of
the Federal Reserve System.

Granted, December 31, 1996.

Dallas Saint Jo Bancshares, Inc., Saint Jo, Texas, and First
Financial Company of Saint Jo, Dover, Delaware --
extension to April 4, 1997, to acquire The First
National Bank of Saint Jo, Saint Jo, Texas.

Granted, January 3, 1997.

San Francisco Zions Bancorporation, Salt Lake City, Utah --
extensions to divest certain properties.
Granted, January 2, 1997,

MEMBERSHIP
Boston Beston Safe Deposit and Trust Company, Boston,
Massachusetts -- to become a member of the Federal
Reserve System.
Approved, Janucry 3, 1997.
Chicago F@M Bank-Algoma, Algoma, Wisconsin -- to become a

member of the Federal Reserve System.
Approved, January 2, 1997.



H.2

DECEMBER 30, 1996 TO JANUARY 3, 1997

PAGE 6

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS

Dallas

St. Louis

Chicago

Atlanta

Atlanta

Kansas City

Minneapolis

Montwood National Bank, El Paso, Texas, proposed
acquisition of the assets and assumption of the
liabilities of a branch at 251 Shadow Mountain, of
NationsBank of Texas, N.A. -- report on competitive
factors.

Submitted, January 3, 1997.

National Bank, Hillsboro, Illinois, proposed merger
with State Bank of Keyesport, Keyesport, Illinois -
- report on competitive factors.

Submitted, January 3, 1997,

National Bank of Monmouth, Monmouth, Illinois,
Proposed merger with West Central Illinois Bancorp
Inc. -~ report on competitive factors.

Submitted, December 31, 1996.

Provident Interim Bank, Apollo Beach, Florida,
proposed merger with South Hillsborough Community
Bank -~ report on competitive factors.

Submitted, December 30, 1996.

SouthTrust Bank of Florida, N.A., St. Petersburg,
Florida, proposed merger with Equity Bank, Delray
Beach, Florida -- report on competitive factors.

Submitted, January 2, 1997.

Trego-Wakeeney State Bank, Wakeeney, Kansas, proposed
acquisition of the assets and assumption of the
liabilities of Interstate Bank -- report on
competitive factors.

Submitted, December 30, 1996.

WesternFed Financial Corporation, Missoula, Montana,
and Western Federal Savings Bank, proposed
acquisition of the assets and assumption of the
liabilities of Security Bancorp, Billings, Montana,
and Security Bank, F.S.B. -- report on competitive
factors.

Submitted, January 3, 1997.



Federal Reserve Bank of Atlanta
Applications Bulletin for Week Ending January 3 1997

ection 1 - Applications Subject to Newspaper Notice onl

Application . Comment Period Ending Date

RBC, Inc. 12-30-96*
Demopolis, Alabama
Notice for 1-BHC formation, Robertson Banking Company, Demopolis, Alabama.

Intervest Bank 12-27-96*
Clearwater, Florida
To establish a branch located at 6750 Gulfport Boulevard, South Pasadena, Florida.

The Community Bank O1-17-97*
Nashville, Tennessee (Successor to First Federal Bank, FSB)

To become a member of the Federal Reserve System, pursuant to Section 9 of the
Federal Reserve Act and Section 208.4 of Regulation H.

Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice

Application Comment Period Ending Date

Emerald Coast Bancshares, Inc. Not yet available*
Panama City Beach, Florida .
1-BHC formation, Emerald Coast Bank, Panama City Beach, Florida.

Community Bancorp of Louisiana, Inc. Not yet available+
Raceland, Louisiana

To merge with American Security Bancshares, Inc., Welsh, Louisiana, and thereby

directly acquire American Bank, Welsh, Louisiana, pursuant to Section 3(a) (5) of

the Bank Holding Company Act.

Section 3 - Applications Subject to Federal Register Only

Application Comment Period Ending Date

None.

*Subject to provisions of the Community Reinvestment Act.



H.2 ADDITIONS AND CORRECTIONS
DECEMBER 30, 1996 TO JANUARY 3, 1997
PAGE 9 .

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

CHANGE IN BANK CONTROL
Dallas New Boston Bancshares, inc., New Boston, Texas --
relief from commitment.
Granted, December 24, 1996.

COMPETITIVE FACTORS REPORTS

Atlanta American National Bank, Union Springs, Alabama,
proposed merger with First National Bank of Union
Springs -- report on competitive factors.
Submitted, December 23, 1996.

Atlanta First Interim National Bank of Pontotoc, Pontotoc,
Mississippi, proposed merger with First National
Bank of Pontotoc -- report on competitive factors.
Submitted, December 20, 1996.

San Francisco Stockmen's Bank, Kingman, Arizona, proposed merger
with United Valley Bank, Hanford, California --
reyiort on competitive factors.

Submitted, December 23, 1996.

EXTENSIONS OF TIME
Chicago Pineries Bankshares, Inc., Stevens Point, Wisconsin
-- extension to January 12, 1997, to acquire
Mattoon State Bank, Mattoon, Wisconsin.
Granted, December 27, 1996.



Federal Reserve Bank of Chicago

Section JI - Applications Subject to Both Newspaper and Federal
Register Notice Cont’d °

Comment
Period
Type Application . Ending Date
3(a)(1) AmeriMark Financial Corporation.* FR - 12-20-96
Oak Brook, Illinois NP - 1-12-97
Duco Bancshares, Inc.
Villa Park, Illinois
Bank of Illinois in DuPage
Villa Park, Illinois
3(a)(1) River Cities Bancshares, Inc.* FR - 01-03-97
Wisconsin Rapids, Wisconsin NP - 12-26-96
River Cities Bank (in organization) 5
Wisconsin Rapids, Wisconsin
3(a)(3) Security National Corporation* FR - 01-6-97
Sioux City, Iowa NP - **

Security National Bank of South Dakota (in organization)
Dakota Dunes, South Dakota

3(a)(3) Heartland Financial USA, Inc.* FR - 01-15-97
Dubuque, lowa NP - **
Cottage Grove State Bank
Cottage Grove, Wisconsin

3(a)(1) Vermilion Bancorp, Inc.* FR - 1-24-97
Danville, Illinois NP - **
American Savings Bank of Danville
Danville, Illinois

3(a)(1) Michigan Heritage Bancorp, Inc.* FR - 1-24-97
Novi, Michigan NP - **
Michigan Heritage Bank (in organization)
Novi, Michigan

3(a)(1) Iron Horse Bancshares, Inc.* FR - 1-21-97
Mazomanie, Wisconsin NP - 1-13-97
The Peoples State Bank of Mazomanie, Wisconsin
Mazomanie, Wisconsin



ANNOUNCEMENT H.2, 1997, No. 1
Actions of the Board, its Staff, and

BOARD OF GOVERNORS the Federal Reserve Banks;
OF THE Applications and Reports Received
FEDERAL RESERVE SYSTEM During the Week Ending January 4, 1997

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANK HOLDING COMPANIES

NationsBank Corporation, Charlotte, North Carolina
and NB Holdings Corporation -- request for
reconsideration and stay of the Board's approval of
the applications to acquire Boatmen's Bancshares,
Inc., St. Louis, Missouri.

Denied, December 30, 1996.

ENFORCEMENT

Bankers Trust New York Corporation, New York, New
York, and BT Securities -- order to cease and
desist and order of assessment of a civil money
penalty against Mark Yale, a former employee and
institution-affiliated party.

Announced, January 3, 1997.

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

ABBREVIATIONS: BS&R - Banking Supervision and Regulation; C&CA - Consumer and
Community Affairs; FOMC - Federal Open Market Committee; FRBO - Federal Reserve
Bank Operations; IF - International Finance; OSDM - Office of Staff Director
for Management

BANK BRANCHES, DOMESTIC

Richmond F & M Bank - Richmond, Richmond, Virginia -- to
establish a branch at 6980 Forest Hill Avenue.
Approved, January 2, 1997.

Chicago NBD Bank, Detroit, Michigan -- to establish a branch
at 800 Ship Street, St. Joseph, Michigan.
Approved, December 30, 1996.

Chicago Union Bank & Trust Company, Evansville, Wisconsin --
to establish a branch at 121 Fifth Avenue,
Belleville, Wisconsin.
Approved, December 30, 1996.



in a manner consistent with its resources and capabilities.

Needs to improve record of meeting community credit needs.

An institution in this group needs to improve its overall record

of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate income
neighborhoods, in a manner consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs.

An institution in this group has a substantially deficient

record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate- income
neighborhoods, in a manner consistent with its resources and capabilities.

Week Ending January 4, 1997

NAME OF BANK RATING
Morgan Guaranty Trust Satisfactory
Company

60 Wall Street
New York, New York 10260

1/ Subject to provisions of Community Reinvestment Act.

2/ Later of dates specified in newspaper and Federal Register notices.

3/ Date specified in newspaper notice; a later date may be specified in
the Federal Register notice.

4/ Date specified in Federal Register notice; a later date may be

specified in the newspaper notice.

N/A - Not Available

EXAMINATION DATE
June 24, 1996



FEDERAL RESERVE BANK OF NEW YORK

Comment Period

Endi
SEC NI
Applications Subject to Newspaper
Noti

Application by Manufacturers and Traders Trust Company, Buffalo,
New York (“M&T”), to merge The East New York Savings Bank,
Brooklyn, New York, with and into M&T and to establish branches. 1/ 01/28/97
European American Bank, New York, New York, to establish a branch
at 161 Centereach Mall, Centereach, New York. 1/ 01/31/97
European American Bank, New York, New York, to establish a branch
at 750 Middle Country Road, Middle Island, New York. 1/ 02/04/97

SECTION II

Applications Subject to Both
News, ni deral Regist ti

None.

Ss ION IT

Nonbanking Applications
(subject to Federal Register Notice Only )

None.

SECTION IV

Applications Not Involving
Public Comment

None.

SEC Vv
Availability of CRA Public Evaluations

In connection with the assessment of each insured depository institution's
CRA performance, a rating is assigned from the following group:

Outstanding record of meeting community credit needs.

An institution in this group has an outstanding record of, and

is a leader in, ascertaining and helping to meet the credit

needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.

Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining

and helping to meet the credit needs of its entire delineated
community, including low- and moderate- income neighborhoods,



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section I - Applications Subject to
Newspaper Notice Onl:

Comment Period
Application Ending Date

NONE.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IL - Applications Subject to Both

Newspaper and Federal Register Notice

Comment Period

Application —Ending Date _
Gib S. Nichols to acquire control of 28.1% of the January 23, 1997
voting shares of Flathead Holding Company of (Federal Register)

Bigfork, Bigfork, Montana.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section III - Applications Subject
to Federal Register Notice Only

Comment Period

Application Ending Date
Norwest Corporation, Minneapolis, Minnesota and Norwest Not yet available

Financial Services, Inc., Des Moines, Iowa, to engage in
automobile financing through the acquisition of Reliable
Financial Services, Inc., San Juan, Puerto Rico.

Norwest Corporation, Minneapolis, Minnesota to engage January 23, 1997
in mortgage banking through the acquisition of Statewide
Mortgage Company, Birmingham, Alabama.

Norwest Corporation, Minneapolis, Minnesota and Norwest Not yet available
Financial Services, [nc., Des Moines, fowa to engage in consumer

finance and the sale, on an agency basis, of credit life and credit

accident, health and property insurance through the acquisition

of The United Group, Inc., Charlotte, North Carolina.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to

Federal Register Notice or Newspaper Notice
Application

NONE.



FEDERAL RESERVE BANK OF ST. LOUIS

FOR THE WEEK ENDING January 3, 1997
SECTION V - AVAILABILITY OF CRA PUBLIC DISCLOSURES

Identification of Ratings:
Outstanding record of meeting community credit needs
An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping

to meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs
An institution in this group has a satisfactory record of ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.

Needs to improve record of meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping to meet

the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

fame 0} ~ ‘Bank Address Examination amination
Date i

None y



H.2

DECEMBER 30, 1996 TO JANUARY 3, 1997
PAGE 8 -

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

MEMBERSHIP

Chicago First American Bank, Fort Dodge, Iowa -- to become a
member of the Federal Reserve System.
Approved, January 3, 1997.



Tek Week
Recently Approved Applications Approval Date
Regions Financial Corp. 01-03-97

Birmingham, Alabama
To merge with Allied Bankshares, Inc., Thomson, Georgia, and thereby directly
acquire Allied Bank of Georgia, Thomson, Georgia, Bank of Morgan County, Madison,
Georgia, and The Bank of Millen, Millen, Georgia, pursuant to Section 3(a) (5) of
the Bank Holding Company Act.

First Bank Holding Company 12-30-97
Tallahassee, Florida
1-BHC formation, First Bank, Tallahassee, Florida.

Metro Bank Financial Services, Inc. 01-03-97
Coral Gables, Florida
Notice for 1-BHC formation, Metro Bank of Dade County, Coral Gables, Florida.

Perry Banking Company 12-30-97
Perry, Florida
Notice for 1-BHC formation, The Citizens Bank of Perry, Perry, Florida.

Button Gwinnett Financial Corporation 01-03-97
Lawrenceville, Georgia
Commitment waiver request.

Peoples Bancorp, Inc. 12-30-97
Carrollton, Georgia
1-BHC formation, Peoples Bank of West Georgia, Carrollton, Georgia.

Trustmark Corporation 01-03-97

Jackson, Mississippi

Request for waiver of the application requirement of Section 3(a) (5) of the Bank
Holding Company Act to merge with First Corinth Corp., Corinth, Mississippi, and
thereby directly acquire National Bank of Commerce of Corinth, Corinth,
Mississippi.



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 1/03/97

Section I - Applications Subject to Newspaper Notice Only

licati

Humboldt Bank, Eureka, California, to acquire.
through merger, the Garberville, California,
branch office of First Nationwide Bank, FSB,
San Francisco, California. *

Citizens Bancorp, Corvallis, Oregon, to become
a bank holding company by acquiring Citizens
Bank, Corvallis, Oregon. *

Bank of Coronado, Coronado, California, to
establish a branch office at 106 B Street,
Coronado, California. *

TRP Acquisition Corporation, Burr Ridge,
Illinois, to become a bank holding company
by acquiring Trans Pacific Bancorp, San
Francisco, California. *

TRP Acquisition Corporation, Burr Ridge.
Tilinois, to acquire, as an option, 19.9
percent of Trans Pacific Bancorp, San
Francisco, California. *

Bank SinoPac, Taipei, Taiwan, to become a
bank holding company by acquiring Far East
National Bank, Los Angeles, California. *

Robert M. Daugherty, W. James Tozer, Jr., et
al, to acquire 56.04 percent of Draper BanCorp,
Draper, Utah. *

C Period Endi

Newspaper;

Newspaper.

Newspaper:

Not available

Not available

1/03/97

1/30/97
1/24/97

1/30/97

1/24/97

Not available
1/27/97
To be republished

1/16/97



Section II] -Applications Subject to Federal Register Only

None

Section IV - Applications Not Subject to Federal Register Notice

None

* Subject to CRA.

FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 1/03/97

Section V_- Availability of CRA Public Evaluations

The CRA public evaluations of the institution(s) below became available during this
week. Information about a particular institution's CRA evaluation may be obtained
directly from the institution.

Instituti . Examination Date  Rating*

Bank of Coronado 1190 Orange Avenue 9/02/96 Satisfactory
Coronado, CA 92118-3468
(619) 437-4466

San Benito Bank 300 Tires Pinos Road 6/03/96 Outstanding
Hollister, CA 95023-5578
(408) 637-2265

The Prineville Bank 422 North Beaver 9/02/96 Outstanding
Prineville, OR 97754
(541) 447-4105

*Under the rating system an institution's CRA performance is assigned one of the
following four ratings:

Qutstanding record of meeting community credit needs: An institution has an
outstanding record of, and is a leader in, ascertaining and helping to meet the credit
needs of its entire delineated community, including jow- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.



Federal Reserve Bank of Chicago

Section III - Applications Subject to Federal Register
: Notice Only cont’d

Comment Period

Type Application Ending Date
4(c)(8) Bank of Montreal FR - 1-16-97
Toronto, Canada
Cebra, Inc.

Toronto, Canada

4(c)(8) AmeriMark Financial Corporation FR - 12-20-96
Oak Brook, Illinois
Banill Corporation
Villa Park, Illinois



H.2

DECEMBER 30, 1996 TO JANUARY 3, 1997

PAGE 4

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANKS, STATE MEMBER

St. Louis

Kansas City

CAPITAL STOCK

Richmond

CHANGE IN BANK CONTROL

Dallas

Kansas City

New York

Dallas

Bank of Rogers, Rogers, Arkansas -- to relocate its
main office to 801 North Dixieland, and retain its
former main office at 1205 West Walnut as a branch.

Approved, January 2, 1997.

Mercantile Bank of Western Missouri, Nevada, Missouri
-- request to waive the six months’ notice of
withdrawal from membership in the Federal Reserve
System.

Granted, December 31, 1996.

Crestar Bank, Vienna, Virginia -- redemption of
shares.
Approved, December 30, 1996.

Alamogordo Federal Savings and Loan Association,
Alamogordo, New Mexico -- change in bank control.
Permitted, January 2, 1997.

Chisholm Trail Financial Corporation, Wichita, Kansas
-- change in bank control.
Permitted, January 2, 1997.

City National Bancshares Corporation, Newark, New
Jersey -- change in bank control.
Permitted, December 31, 1996.

First San Benito Bancshares Corporation, San Benito,
Texas -- change in bank control.
Permitted, December 31, 1996.



APPLICATIONS BULLETIN
(For the week ending January 4, 1997)
SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
NONE
SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL
REGISTER NOTICE

NONE

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY

NONE

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE

NONE

* ~ Subject to CRA

N - Newspaper Comment Period

F - Federal Register Comment Period

# - Expected to End 30 Days from Date of Receipt



Federal Reserve Bank of Richmond

The Bank of Belton, Belton, South
Carolina (an organizing bank), for
membership in the Federal Reserve
System. 1-12-97

Centura Bank, Rocky Mount, North

Carolina, to establish a branch in

the Hannaford Brothers Store at 5309

Carolina Beach Road, Wilmington, North

Carolina.* 1-18-97

Application

Community Capital Corporation, Greenwood,

South Carolina, to acquire 100% of the

voting shares of Bank of Barnwell County,

Barnwell, South Carolina.* Not yet available.

Community Capital Corporation, Greenwood,

South Carolina, to acquire The Bank of

Belton, Belton, South Carolina (an organiz-

ing bank) .* Not yet available.
Section III - Applications Subject to Federal Register Notice

Application Comment Period Ending Date

None.



H.2

DECEMBER 30, 1996 TO JANUARY 3, 1997

PAGE 3

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK HOLDING COMPANIES

Dallas

Chicago

Atlanta

Richmond

Atlanta

Atlanta

Atlanta

Dallas

Atlanta

Halpain Financial, Ltd., Dallas, Texas -- to acquire
Gateway Holding Company, Inc., Dallas, Texas,
Gateway Delaware Holding Company, Inc., Wilmington,
Delaware, and Gateway National Bank, Dallas, Texas.

Approved, December 30, 1996.

Lakeland Financial Corporation, Round Lake Heights,
Tllinois -- to acquire Lake Community Bank. .
Approved, January 2, 1997.

Metro Bank Financial Services, Inc., Coral Gables,
Florida -- to acquire Metro Bank of Dade County.
Approved, January 3, 1997.

New Windsor Bancorp, Inc., New Windsor, Maryland --
to acquire The New Windsor State Bank.
Approved, January 3, 1997.

Peoples Bancorp, Inc., Carrolton, Georgia -- to
acquire Peoples Bank of West Georgia.
Approved, December 30, 1996.

Perry Banking Company, Perry, Florida -- to acquire
The Citizens Bank of Perry.
Approved, December 30, 1996.

Regions Financial Corporation, Birmingham, Alabama --
to merge with Allied Bancshares, Inc., Thomson,
Georgia, and acquire Allied Bank of Georgia; Bank
of Morgan County, Madison; and The Bank of Millen,
Millen, Georgia.

Approved, January 3, 1997.

Steck-Vaughan Publishing Corporation, Austin, Texas -
- registration under Regulation G.
Withdrawn, December 30, 1996.

Trustmark Corporation, Jackson, Mississippi --
request for waiver of the application requirement
to ge with First Corinth Corporation, Corinth,
Mississippi, and acquire National Bank of Commerce
of Corinth.

Granted, January 3, 1997.



FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN

APPLICATIONS AND NOTIFICATIONS APPROVED DURING THE WEEK OF DECEMBER 30, 1996

APPLICATION

Section 3(a)(1) application by

Halpain Financial, Ltd., Dallas, TX. to acquire
Gateway Holding Company. Inc., Dallas, TX, Gateway
Delaware Holding Company, Inc., Wilmington, DE, and
Gateway National Bank, Dallas. TX

Section 3(a)(1) application by

Gateway Holding Company, Inc., Dallas, TX,

to acquire Gateway Delaware Holding Company, Inc.,
Wilmington, DE, and Gateway National Bank, Dallas, TX

Section 3(a)(1) application by
Gateway Delaware Holding Company, Inc., Wilmington, DE,
to acquire Gateway National Bank, Dallas, TX

Change in Control Notice by

Robert Dunkin, trustee for the First National Bank Employee
Stock Ownership Plan, Robert Dunkin, and Lucy Ann Dunkin,
San Benito, TX, to acquire an interest in First San Benito
Bancshares Corporation, San Benito, TX

DATE

96/12/30

96/12/30

96/12/30

96/12/31



Federal Reserve Bank of Chicago

Section II - Applications Subject to Both Newspaper and Federal
. Register Notice Cont’d

Comment
Period
Type Application Ending Date
3(a)(1) CH and JD Byrum, LLC* FR - 12-27-96
Indianapolis, Indiana NP - 12-2-96
American State Corporation
Lawrenceburg, Indiana
American State Bank
Lawrenceburg, Indiana
COC-HC APM Bancorp, Inc. FR - 1-10-97
Buffalo, Iowa NP - **
By James A. Matthys
3(a)(1) Vanderbilt Holding Company, Inc.* FR - 1-24-97
Fairfax, Iowa NP - **
Fairfax State Savings Bank
Fairfax, Iowa
3(a)(1) County Bancorp, Inc.* FR - 1-27-97
Manitowoc, Wisconsin NP - **
Investors Community Bank
Manitowoc, Wisconsin (in organization)
3(a)(3) Amcore Financial, Inc.* FR - 1-24-97
Rockford, Illinois NP - **
First National Bancorp, Inc.
Monroe, Wisconsin
First National Bank and Trust
Monroe, Wisconsin
3(a)(3) First Financial Bancorporation* FR - 02-3-97
Iowa City, Iowa NP - **

West Branch Bancorp. Inc.
West Branch, lowa

West Branch State Bank
West Branch, lowa



H.2

DECEMBER 30, 1996 TO JANUARY 3, 1997

PAGE 2

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK HOLDING COMPANIES

Atlanta

Chicago

Chicago

Cleveland

Atlanta

Kansas City

Kansas City

Dallas

Dallas

Button Gwinett-Financial Corporation, Lawrenceville,
Georgia -- waiver of a commitment.
Granted, January 3, 1997.

. CH and JD Byrum, LLC, Indianapolis, Indiana -- to

acquire shares of American State Corporation,

Lawrenceburg, Indiana, and American State Bank.
Returned, December 31, 1996.

Denmark Bancshares, Inc., Denmark, Wisconsin -~-
notification te purchase the Zeamer Insurance

Agency, Greenleaf, Wisconsin, and engage in general
insurance activities.
Permitted, December 30, 1996.

First & Farmers Bancshares, Inc., Somerset,
Kentucky -- to acquire Cumberland Bancorp, Inc.,
Burkesville, Kentucky.

Approved, January 3, 1997,

First Bank Holding Company, Tallahassee, Florida --
to acquire First Bank.
Approved, December 30, 1996.

First Team Resources Corporation, Derby, Kansas ~- to
acquire First National Bank.
Approved, January 2, 1997.

Front Range Bancshares, inc., Lakewood, Colorado --
to acquire Front Range Bank.
Approved, January 2, 1997.

Gateway Delaware Holding Company, Inc., Wilmington,
Delaware -- to acquire Gateway National Bank,
Dallas, Texas.

Approved, December 30, 1996.

Gateway Holding Company, Inc., Dallas, Texas -~- to
acquire Gateway Delaware Holding Company, Inc.,
Wilmington, Delaware, and Gateway National Bank,
Dallas, Texas.

Approved, December 30, 1996.



Federal Reserve Bank of Kansas City

SECTION 1 - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION COMMENT PERIOD ENDING DATE
None.

SECTION Il - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE

APPLICATION COMMENT PERIOD ENDING DATE

BOK Financial Corporation, Tulsa, Oklahoma, for February 3, 1997
prior approval to acquire 100 percent of the voting
shares of First TexCorp, Inc., Dallas, Texas.*

SECTION TH - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY

APPLICATION COMMENT PERIOD ENDING DATE

None.

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE

OR NEWSPAPER NOTICE
APPLICATION
None.
ECTION V - AVAILABILT 13 PUBLIC EV. ATION:

Identification of Ratings

In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:

Outstanding record of meeting community credit needs
An institution in this group has an outstanding record of ascertaining and helping to meet

the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs



Federal Reserve Bank of Chicago

Section V - Availability of CRA Public Evaluations

The following state member banks have been examined by the Federal Reserve Bank of Chicago for
compliance with the CRA. The 30-business day period the bank has to make the evaluation public
has lapsed during the week ending January 03, 1997. If you are interested in obtaining a copy of the
evaluation document. please contact the bank(s) directly.

Identification of Ratings

O-

NI -

SN -

An institution in this group has an outstanding record of, and is a leader
in,ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources andcapabilities.

An institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.

An institution in this group has a needs to improve its overall record of
ascertainingand helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.

An institution in this group has a substantial noncompliance record of
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilies.

BANK NAME/LOCATION EXAMINATION DATE RATINGS

Central State Bank

301 Iowa Avenue

P.O. Box 146

Muscatine, lowa 52761-0146

(319) 263-3131 9/16/96 Ss

ChoiceOne Bank

109 East Division

P.O. Box 186

Sparta, Michigan 49345-0186

(616) 887-7366 8/26/96 S

Bank of Pontiac

300 West Washington

P.O. Box 710

Pontiac, Illinois 61764-0710

(815) 844-6158 8/26/96 re)



FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER
NOTICE ONLY

NONE

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEWSPAPER

— EET OE UBER IN BUI NEWS EARL

AND FEDERAL REGISTER NOTICE

NONE

SECTION Il - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL
REGISTER NOTICE ONLY

NONE

SECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL
REGISTER NOTICE OR NEWSPAPER

NONE



AVAILABILITY OF CRA PUBLIC EVALUATIONS
(January 3, 1997)

The following state member banks have been examined by the Federal Reserve Bank of
Cleveland for compliance with The Community Reinvestment Act. A public evaluation document
became available from the bank(s) listed below during the week ended January 3, 1997. If you
are interested in obtaining a copy of an evaluation document, please contact the bank(s) directly.

There are four descriptive ratings for CRA:

OUTSTANDING: a bank in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

SATISFACTORY: a bank in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.

NEEDS TO IMPROVE: a bank in this group needs to improve its overall record of
ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

SUBSTANTIAL NON COMPLIANCE: a bank in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

NONE