Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 15

Week Ending April 8, 2000

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

Bank Holding Companies

Caisse Nationale de Credit Agricole, Paris, France -- to indirectly acquire Espirito 

Santo Bank, Miami, Florida.

- Approved, April 5, 2000 

E.S. Control Holding S.A., E.S. International Holding S.A., and Espirito Santo 

Financial Group S.A., all of Luxembourg; Espirito Santo Financial (Portugal) 

Sociedade Gestora de Participacoes Sociais, S.A., Bespar-Sociedade Gestora de 

Participacoes Sociais, S.A., and Banco Espirito Santo, S.A., all of Lisbon, 

Portugal -- to acquire Espirito Santo Bank, Miami, Florida.

- Approved, April 6, 2000 

Valley View Bancshares, Inc., Overland Park, Kansas -- to acquire Bank of Lee's 

Summit, Lee's Summit, Missouri.

- Approved, April 3, 2000 

Banks, Foreign

Banca Intesa S.p.A., Milan, Italy -- to establish a branch in New York, New York, 

and representative offices in Chicago, Illinois, and San Francisco, California.

- Approved, April 5, 2000 

Forms

Bank holding company and foreign banking organization reports -- revision without 

extension of Bank Holding Company Report of Changes in Investments and 

Activities (FR Y-6A) and Foreign Banking Organization Structure Report on U.S. 

Banking and Nonbanking Activities (FR Y-7A).

- Approved, April 3, 2000 

(AC) = Addition or Correction Board - Page 1 of 1
April 2, 2000 to April 8, 2000

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Bank in Boulder, Boulder, Colorado -- to establish a branch at 96th Street and 

Interlocken Loop, Broomfield.

- Approved, April 5, 2000 

Kansas City

Citizens Bank, New Haven, Missouri -- to establish a branch at High and Fourteenth 

Streets, Washington.

- Approved, April 5, 2000 

St. Louis

Compass Bank, Birmingham, Alabama -- to establish a branch at 3202 East Bell 

Road, Phoenix, Arizona.

- Approved, April 6, 2000 

Secretary

Fifth Third Bank, Cincinnati, Ohio -- to establish a bank mart at 10595 Springfield 

Pike, Woodlawn.

- Approved, April 3, 2000 

Cleveland

Sky Bank, Salineville, Ohio -- to establish a branch at 4676 Munson Street, N.W., 

Canton.

- Approved, April 3, 2000 

Cleveland

SunTrust Bank, Atlanta, Georgia -- to establish branches at 10000 Baltimore 

National Pike and 4370 Montgomery Road, Ellicott City, Maryland.

- Approved, April 5, 2000 

Atlanta

Western Reserve Bank, Medina, Ohio -- to establish a branch at 4931 Nettleton 

Road.

- Approved, March 31, 2000 (AC)

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority April 2, 2000 to April 8, 2000

Bank Holding Companies

Advantage Bankshares, Inc., Village of North Palm Beach, Florida -- to become a 

bank holding company through the acquisition of Advantage Bank, a de novo bank.

- Approved, April 5, 2000 

Atlanta

Bancorp Rhode Island, Inc., Providence, Rhode Island -- to become a bank holding 

company through the acquisition of Bank Rhode Island.

- Approved, April 7, 2000 

Boston

Citizens, Inc., Butler, Pennsylvania -- to acquire shares of Bay National Corporation, 

Lutherville-Timonium, Maryland.

- Approved, April 4, 2000 

Cleveland

First Central Bancshares, Inc., Lenoir City, Tennessee -- to acquire First Central 

Bank of Monroe County, Sweetwater.

- Returned, April 6, 2000 

Atlanta

First Sterling Banks, Inc., Kennesaw, Georgia -- to merge with Main Street Banks, 

Inc., Covington, and thereby acquire Main Street Bank.

- Approved, April 5, 2000 

Atlanta

FleetBoston Financial Corporation, Boston, Massachusetts; The Royal Bank of 

Scotland Group plc, The Royal Bank of Scotland plc, and RBSG International 

Holdings Ltd., all of Edinburgh, United Kingdom; Citizens Financial Group, Inc., 

Providence, Rhode Island; The Bank of New York Company, Inc., and The Chase 

Manhattan Corporation, both of New York, New York; HSBC Holdings plc, 

London, England; HSBC Holdings B.V., Amsterdam, The Netherlands; HSBC USA 

Inc., Buffalo, New York; Summit Bancorp, Princeton, New Jersey; First Union 

Corporation, Charlotte, North Carolina; and Comerica Incorporated, Detroit, 

Michigan -- to assume, through their subsidiary, NYCE Corporation, Woodcliff 

Lake, New Jersey, certain obligations of Fleet Boston relating to the operation of the 

X-Press 24 electronic funds transfer network.

- Approved, April 5, 2000 

Secretary

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority April 2, 2000 to April 8, 2000

Bank Holding Companies

Greater Bay Bancorp, Palo Alto, California -- to acquire Coast Bancorp, Santa Cruz, 

and Coast Commercial Bank.

- Approved, April 5, 2000 

San Francisco

Klein Financial, Inc., Chaska, Minnesota -- to acquire Preferred Bancshares, Inc., Big 

Lake; Preferred Bank; and Preferred Lenders, LLC, and thereby engage in mortgage 

banking activities.

- Approved, April 5, 2000 

Minneapolis

Synovus Financial Corp., Columbus, Georgia -- to acquire ProCard, Inc., Golden, 

Colorado, and thereby engage in data processing activities.

- Approved, April 5, 2000 

Atlanta

Terre Haute Savings MHC, Inc., Terre Haute, Indiana -- to become a bank holding 

company through the acquisition of Terre Haute Savings Bank.

- Approved, April 5, 2000 

Chicago

USBancorp, Inc., Johnstown, Pennsylvania -- corporate reorganization to make 

Standard Mortgage Company a direct subsidiary of USBancorp.

- Approved, April 4, 2000 

Philadelphia

Banks, Foreign

The Chuo Trust & Banking Co., Ltd., Tokyo, Japan -- to merge with The Mitsui 

Trust & Banking Co., Ltd., prior to Board action on Chuo Trust's application to 

establish an office in New York, New York.

- Approved, March 29, 2000 (AC)

General Counsel

Banks, State Member

State Bank of the Alleghenies, Covington, Virginia -- transfer agent registration.

- Withdrawn, April 3, 2000 

Director, BS&R

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority April 2, 2000 to April 8, 2000

Capital Stock

Cherokee Bancshares, Inc., St. Paul, Minnesota -- redemption of stock.

- Approved, April 7, 2000 

Minneapolis

Change In Bank Control

FMB Banking Corporation, Monticello, Florida -- change in bank control.

- Permitted, April 4, 2000 

Atlanta

Giddings Bancshares, Inc., Giddings, Texas -- change in bank control.

- Permitted, April 7, 2000 

Dallas

Northern Michigan Corporation, Escanaba, Michigan -- change in bank control.

- Permitted, April 5, 2000 

Minneapolis

Competitive Factors Reports

Bremer Bank, National Association, Alexandria, Minnesota -- report on competitive 

factors of the proposed merger with Bremer Bank, National Association, 

Breckenridge.

- Submitted, April 6, 2000 

Minneapolis

C&G Savings Bank, Altoona, Pennsylvania -- report on competitive factors of the 

proposed merger with Peoples Savings and Loan Association, Nanty Glo.

- Submitted, April 4, 2000 

Philadelphia

Central Carolina Bank and Trust Company, Durham, North Carolina -- report on 

competitive factors of the proposed merger with American Federal Bank, FSB, 

Greenville, South Carolina.

- Submitted, April 3, 2000 

Richmond

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority April 2, 2000 to April 8, 2000

Competitive Factors Reports

Citizens Bank & Trust Company, Pamerton, Pennsylvania -- report on competitive 

factors of the proposed merger with Citizens National Bank of Lansford.

- Submitted, April 5, 2000 

Philadelphia

Citizens Progressive Bank, Columbia, Louisiana -- report on competitive factors of 

the proposed merger with Callais Interim Bank.

- Submitted, April 6, 2000 

Dallas

Corpus Acquisition Corporation, Corpus Christi, Texas -- report on competitive 

factors of the proposed merger with The First State Bank, Bishop.

- Submitted, April 4, 2000 

Dallas

First Northern Bank of Dixon, Dixon, California -- report on competitive factors of 

the proposed merger with FNCB Merger Corp.

- Submitted, April 6, 2000 

San Francisco

National Bank of Arizona, Tucson, Arizona -- report on competitive factors of the 

proposed merger with County Bank, Prescott.

- Submitted, April 4, 2000 

Secretary

National City Bank of Indiana, Indianapolis, Indiana -- report on competitive factors 

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

National City Bank, Cleveland, Ohio; National City Bank of Pennsylvania, 

Pittsburgh, Pennsylvania; and National City Bank of Kentucky, Louisville, Kentucky.

- Submitted, April 7, 2000 

Cleveland

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority April 2, 2000 to April 8, 2000

Competitive Factors Reports

National City Bank, Cleveland, Ohio -- report on competitive factors of the proposed 

purchase of certain assets and assumption of certain liabilities of National City Bank 

of Michigan/Illinois, Bannockburn, Illinois; National City Bank of Indiana, 

Indianapolis, Indiana; National City Bank of Pennsylvania, Pittsburgh, Pennsylvania; 

and National City Bank of Kentucky, Louisville, Kentucky.

- Submitted, April 7, 2000 

Cleveland

National City Illinois Interim Trust Company, Chicago, Illinois -- reports on 

competitive factors of the proposed merger with NC Illinois Trust Company, Peoria, 

and of the proposed merger with National City Bank, Cleveland, Ohio.

- Submitted, April 7, 2000 

Cleveland

The Peoples Bank, Iva, South Carolina -- report on competitive factors of the 

proposed merger with The Peoples Interim Bank.

- Submitted, April 3, 2000 

Richmond

Swiss Avenue National Bank, Dallas, Texas -- report on competitive factors of the 

proposed merger with Bank of Texas, N.A.

- Submitted, April 6, 2000 

Kansas City

Waumandee State Bank, Waumandee, Wisconsin -- report on competitive factors of 

the proposed merger with New Waumandee State Bank.

- Submitted, April 5, 2000 

Minneapolis

Wells Fargo Bank, N.A., San Francisco, California -- report on competitive factors 

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

Norwest Bank Minneapolis, N.A., Minneapolis, Minnesota.

- Submitted, April 6, 2000 

San Francisco

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority April 2, 2000 to April 8, 2000

Extensions Of Time

Gulf Coast Community Bancshares, Inc., Wewahitchka, Florida, and Wewahitchka 

State Bank Employee Stock Ownership Plan -- extension to July 4, 2000, for 

Bancshares to become a bank holding company through the acquisition of 

Wewahitchka State Bank, and for Wewahitchka State Bank Employee Stock 

Ownership Plan to acquire shares of Bancshares and Bank.

- Granted, April 4, 2000 

Atlanta

Oak Financial, Inc., Madison, Wisconsin -- extension to July 6, 2000, to become a 

bank holding company through the acquisition of Oak Bank, Fitchburg, a de novo 

bank.

- Granted, April 6, 2000 

Chicago

Membership

Battle Creek State Bank, Battle Creek, Nebraska -- membership in the Federal 

Reserve System.

- Approved, April 6, 2000 

Kansas City

Community Bank, Blountsville, Alabama -- membership in the Federal Reserve 

System.

- Withdrawn, April 5, 2000 

Atlanta

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

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, April 8, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) FleetBoston, Boston, Massachusetts – proposal to acquire

250,000 shares of 7.5% Series B Non-Cumulative Convertible

Preferred Stock and Common Stock Purchase Rights to acquire

7.500,000 shares of the Common Stock of North Fork

Bancorporation, Melville, New York

Newspaper – 04/24/2000

Fed Reg – 04/24/2000

3(a)(1) SI Bancorp, Inc., Willimantic, Connecticut – to become a

mutual bank holding company through the acquisition of

Savings Institute, Willimantic, Connecticut

Newspaper – 05/03/2000

Fed Reg – 05/01/2000

3(a)(1) eOneBanc Corporation, Manchester, New Hampshire – to

become a bank holding company through the acquisition of First

Alliance Bank and Trust Company, Manchester, New

Hampshire

Newspaper – 04/27/2000

Fed Reg – 05/10/2000

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, April 8, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Credit Commercial de France, Paris, France, to establish a

representative office in New York, New York.

Newspaper – N/Avail

FBSEA Banco Comercial Portugues, S.A., Porto, Portugal, to establish a

representative office in Miami, Florida.

Newspaper – N/Avail

FBSEA Arab Banking Corporation (B.S.C.), Manama, Bahrain, to

establish a federally licensed uninsured branch in Greenwich,

Connecticut.

Newspaper – N/Avail

FBSEA UBS, AG, Zurich, Switzerland, to establish a representative

office in Beverly Hills, California.

Newspaper – N/Avail

FBSEA Banco Itau S.A., Sao Paulo, Brazil, to establish a representative

office in Miami, Florida.

Newspaper – N/Avail

FBSEA Deutsche Hypothekenbank Frankfurt-Hamburg AG, Frankfurt,

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

York.

Newspaper – N/Avail

FBSEA The Chuo Trust & Banking Co., Ltd., Tokyo, Japan, to establish

a representative office in New York, New York.

Newspaper – N/Avail

18(c)/Branch HSBC Bank USA, Buffalo, New York, to merge Republic Bank

California, N.A., with and into HSBC Bank USA, and incident

thereto, to establish branches.*

Newspaper – N/Avail

FBSEA Banca Antoniana Popolare Veneta, Rome, Italy, to establish a

branch office in New York, New York.

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1)/4(c)(8) Mizuho Holdings, Inc., Tokyo, Japan (“Mizuho”), (i) to become

a bank holding company through the indirect acquisition of the

existing U.S. subsidiary banks of The Dai-Ichi Kangyo Bank,

Limited ("DKB"), The Fuji Bank Limited ("Fuji"), and The

Industrial Bank of Japan, Limited ("IBJ"), namely: Dai-Ichi

Kangyo Bank of California, Los Angeles, California, The Fuji

Bank and Trust Company, New York, New York, and The

Industrial Bank of Japan Trust Company, New York, New York;

(ii) requests permission to engage de novo indirectly in the

United States in industrial loan company activities to the

extent permissible; (iii) DKB, Fuji and IBJ request authority to

engage in the full range of nonbanking activities previously

approved to each of the other banks;and (iv) to indirectly

control through The Dai-Ichi Kangyo Fuji Trust and Banking

Company, Tokyo, Japan, DKF Trust Company (USA), New

York, New York.*

Newspaper – N/Avail

Fed Reg – 05/05/2000

3(a)(1) The Dai-Ichi Kangyo Fuji Trust and Banking Company, Ltd.,

Tokyo, Japan, to become a bank holding company through the

ownership of 100 percent of the shares of, and by the conversion

of DKF Trust Company (USA), New York, New York, a New

York State-charted trust company to a "bank" under the BHC

Act.*

Newspaper – N/Avail

Fed Reg – 05/05/2000

3(a)(3) Troy Financial Corporation, Troy, New York, to acquire Troy

Commercial Bank, Troy, New York, a de novo state-chartered

commercial bank.*

Newspaper – 05/07/2000

Fed Reg – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) The Industrial Bank Of Japan, Limited, Tokyo, Japan, to engage

in a joint venture with Nomura Securities Co., Ltd., Tokyo,

Japan, in Nomura IBJ Global Investment Advisors, Inc., New

York, New York, and engage in domestic advisory activities.

Newspaper – 04/27/2000
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, April 8, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) & Branch First Liberty Bank and Trust, Jermyn, PA, to acquire two

branch offices from Mellon Bank, N.A., Pittsburgh, PA,

located at 400 Spruce Street, Scranton, PA and 101 Old

Lackawanna Trail, Clarks Summit, PA.

N/Avail

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, April 8, 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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, April 8, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Centura Bank, Rocky Mount, North Carolina, to establish a

branch at 444 King Street, Charleston, South Carolina.*

Newspaper – 04/19/2000

18(c) First Virginia Bank-Mountain Empire, Abingdon, Virginia,

to merge with Tri-City Bank and Trust Company, Blountville,

Tennessee.*

Newspaper – 05/04/2000

*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) Islands Bancorp, Beaufort, South Carolina, to become a bank

holding company through the acquisition of 100% of the voting

shares of Islands Community Bank, N.A. (in organization),

Beaufort, South Carolina.*

Fed Reg – 05/04/2000

Newspaper – N/Avail

3(a)(1) Sun Banchares, Inc., Murrells Inlet, South Carolina, to become

a bank holding company through the acquisition of 100% of

the voting shares of SunBank, N.A. (in organization), Murrells

Inlet, South Carolina.*

Fed Reg – 05/05/2000

Newspaper – N/Avail

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

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, April 8, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) SouthernBank Holdings, Inc., Buford, Georgia, to become a

bank holding company by acquiring SouthernBank, N.A., at the

Mall of Georgia, Buford, Georgia (in organization).

N/Avail*

CIC Lafourche Bancshares, Inc., Larose, Louisiana, prior notification

by Nacis Joseph Theriot, June Lefebvre Theriot, Nacis John

Theriot, and Clara Bell Lefebvre, to acquire 8.66 percent of the

outstanding shares of Lafourche Bancshares, Inc., Larose,

Louisiana. Total ownership will be 38.67 percent.

Newspaper - 04/25/2000

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

3(a)(1) Florida Community Bankshares, Inc., Ocala, Florida, to become

a bank holding company by acquiring Community Bank of

Marion County, Ocala, 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, April 8, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) United Financial Holdings Corporation, Lisle, Illinois, for prior

approval to become a bank holding company through the

acquisition of 100 percent of the voting shares of United

Community Bank of Lisle (in organization), Lisle, Illinois.*

Fed Reg – 05/08/2000

Newspaper – 05/01/2000

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

S/R Fox River Valley Bancorp, Inc., Appleton, Wisconsin,

notification of intent to redeem 50.05 percent of its shares

owned by First Business Bancshares, Inc.
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

469849 Midwest Bank of McHenry County

17622 Union Street

Union, Illinois 60180

(815) 854-4100

10/04/1999 04/04/2000 S X

74140 Isabella Bank & Trust

200 E. Broadway

Mt. Pleasant, Michigan 48858

(517) 772-9471

11/22/1999 04/03/2000 S X

566449 F&M Bank Kaukauna

P.O. Box 920

Kaukauna, Wisconsin 54130

(920) 766-8160

10/18/1999 04/07/2000 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, April 8, 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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, April 8, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Business Bancorporation, Inc., Minnetonka, Minnesota,

proposes to acquire 100% of the voting shares of The Business

Bank, Minnetonka, Minnesota, a de novo bank.*

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

374653 First PREMIER Bank

Sioux Falls, South Dakota

08/23/1999 04/06/2000 O X

356752 The Citizens State Bank of

Ontonagon

Ontonagon, Michigan

10/18/1999 04/06/2000 S X

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, April 8, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Pinnacle Bank, Papillion, Nebraska, to establish a mobile branch

within the city limits of Lincoln, Nebraska.

Newspaper - 04/11/2000

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

Type Application

Ending date of

comment period

3(a)(3) Lisco State Company, Lisco, Nebraska, and First Nebraska

Bancs, Inc., Sidney, Nebraska, to acquire 100 percent of the

voting shares of Kimball Bancorp, Inc., Kimball, Nebraska.

Newspaper - 04/22/2000

Fed Reg - 05/04/2000

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Member Battle Creek State Bank, Battle Creek, Nebraska, for

membership in the Federal Reserve System.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for 2

nd Quarter of 2000

Institution Location

Bank of Colorado - Western Slope Grand Junction, Colorado

First Am State Bank Greenwood Village, Colorado

Pinnacle Bank Torrington, Wyoming

Pinnacle Bank Newcastle, Wyoming
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, April 8, 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 William H. O'Brien, Amarillo, TX, et al, to acquire an interest in

Grayco Bancshares, Inc., McLean, TX

Fed Reg – 04/06/2000

Newspaper – N/Avail

3(a)(5) Plains Bancorp, Inc., Lubbock, TX, to acquire

Sudan Bancshares, Inc., Sudan, TX, and

First National Bank, Sudan, TX*

Fed Reg – 05/04/2000

Newspaper – N/Avail

3(a)(1) Murphy-Payne Investments, Ltd., Tyler, TX, to acquire

Carthage State Bancshares, Inc., Carthage, TX and

First State Bank and Trust Company, Carthage, TX*

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

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, April 8, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Wells Fargo & Company, San Francisco, California, to acquire

First Commerce Bancshares, Inc., Lincoln, Nebraska, and

thereby indirectly acquire their subsidiaries. *

Newspaper - 04/30/2000

Fed Reg - 05/05/2000

3(a)(3) Wells Fargo & Company, San Francisco, California, to acquire

National Bancorp of Alaska, Inc., Anchorage, Alaska, and

thereby indirectly acquire their subsidiaries. *

Newspaper - 05/04/2000

Fed Reg - 05/10/2000

3(a)(3) Dai-Ichi Kangyo Bank, Limited, Tokyo, Japan, indirectly

through Dai-Ichi Kangyo Fuji Trust & Banking Co., Ltd.,

Tokyo, Japan, to acquire DKF Trust Company (USA), New

York, New York. *

Newspaper - N/Avail

Fed Reg - 05/01/2000

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

Waiver Bank of the Sierra, Porterville, California, requests waiver of

any Bank Holding Company Act application requirement in

connection with its acquisition of Sierra National Bank,

Tehachapi, California, and to allow one year in which to divest

its shares of Pacific Coast Bankers' Bancshares, San Francisco,

California.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

678865 Revised from week ending 4/01/2000:

Bay Area Bank

900 Veterans Boulevard

Redwood City, CA 94063

(650) 367-1600

11/01/1999 03/27/2000 S X

16766 Revised from week ending 4/01/2000:

Peninsula Bank of Commerce

1001 Broadway

Millbrae, CA 94030

(650) 697-4333

11/01/1999 03/27/2000 S X

749569 Revised from week ending 4/01/2000:

Golden Gate Bank

344 Pine Street

San Francisco, CA 94104

(415) 421-9000

11/01/1999 03/27/2000 S X

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

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

for errors or omissions.
Section VI – CRA examinations scheduled for Quarter of

Institution Location

None