Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 24

Week Ending June 13, 1998

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions June 7, 1998 to June 13, 1998

Testimony And Statements

Application of the Commodity Exchange Act to over-the-counter derivatives 

transactions -- written statement submitted to the Subcommittee on Risk 

Management and Specialty Crops of the House Committee on Agriculture, June 10, 

1998.

- Published, June 10, 1998 

Economic conditions in the United States -- statement by Chairman Greenspan 

before the Joint Economic Committee, June 10, 1998.

- Published, June 10, 1998 

Federal Reserve's role in government anti-money-laundering efforts -- statement by 

Mr. Biern, Associate Director, Division of Banking Supervision and Regulation, 

before the House Committee on Banking and Financial Services, June 11, 1998.

- Published, June 11, 1998 

Bank Holding Companies

Fuji Bank, Limited, Tokyo, Japan -- to retain shares of The Yasuda Trust and 

Banking Co., Ltd., Tokyo, Japan, and retain an interest in Yasuda Bank and Trust 

Company (U.S.A.), New York, New York.

- Approved, June 8, 1998 

UBS AG, Basel and Zurich, Switzerland, and Union Bank of Switzerland, Zurich -- 

to acquire the nonbanking subsidiaries of Swiss Bank Corporation, Basel, 

Switzerland, and for UBS AG to acquire the U.S. branches, agencies, and 

representative offices of Union Bank of Switzerland and Swiss Bank Corporation.

- Approved, June 8, 1998 

Regulations And Policies

Retail Fees and Services of Depository Institutions -- annual report to Congress.

- Approved, June 8, 1998 

Section 23A of the Federal Reserve Act -- publication for comment of a proposed 

interpretation and two proposed rules exempting certain transactions between an 

insured depository institution and its affiliates.

- Approved, June 9, 1998 

(AC) = Addition or Correction Board - Page 1 of 1
June 7, 1998 to June 13, 1998

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

F&M Bank-West Virginia, Ranson, West Virginia -- to establish a branch in the WalMart SuperCenter on State Route 220 South, Keyser, West Virginia.

- Approved, June 8, 1998 

Richmond

F&M Bank-West Virginia, Ranson, West Virginia -- to establish a branch in the WalMart SuperCenter at 800 Foxcroft Avenue, Martinsburg, West Virginia.

- Approved, June 8, 1998 

Richmond

James Monroe Bank, Arlington, Virginia -- to operate a mobile branch at locations 

throughout the Northern Virginia area.

- Approved, June 8, 1998 

Richmond

Peninsula Trust Bank, Gloucester, Virginia -- to acquire the Mattaponi, Virginia, 

branch of First Virginia Bank-Commonwealth, Grafton, Virginia.

- Approved, June 11, 1998 

Richmond

Republic Security Bank, West Palm Beach, Florida -- to establish a branch at 701 

U.S. Highway One, North Palm Beach, Florida.

- Approved, June 8, 1998 

Atlanta

Triangle Bank, Raleigh, North Carolina -- to establish a branch in the Red & White 

supermarket at 3635 North Halifax Road, Dortches, North Carolina.

- Approved, June 12, 1998 

Richmond

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at 10777 Main 

Street, Fairfax, Virginia.

- Approved, June 12, 1998 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 10
H.2 Actions under delegated authority June 7, 1998 to June 13, 1998

Bank Holding Companies

CITBA Financial Corporation, Mooresville, Indiana -- to acquire shares of 

Independent Bankers Life Insurance Company of Indiana, Phoenix, Arizona, and 

engage in credit-related insurance activities.

- Approved, June 12, 1998 

Chicago

Colonial Bancgroup, Inc., Montgomery, Alabama -- request for waiver of application 

to merge with CNB Holding Company, Daytona Beach, Florida, and acquire 

Commercial National Bank.

- Granted, June 10, 1998 

Atlanta

ComBanc, Inc., Delphos, Ohio -- to acquire The Commercial Bank, Delphos.

- Approved, June 12, 1998 

Cleveland

Community First Bankshares, Inc., Fargo, North Dakota -- to acquire Western 

Bancshares of Las Cruces, Inc., Carlsbad, New Mexico, and Western Bank.

- Approved, June 10, 1998 

Minneapolis

County Bancorp, Inc., Manitowoc, Wisconsin -- notice to acquire shares of Investors 

Access LLC.

- Returned, June 10, 1998 

Chicago

Farmers Bancshares, Inc., Lincoln, Nebraska -- to merge with Beverly Bankshares, 

Inc., Beverly, Kansas, and acquire Beverly State Bank.

- Approved, June 11, 1998 

Kansas City

First Washington, Financial Corp., Windsor, New Jersey -- to acquire First 

Washington State Bank, Windsor.

- Approved, June 12, 1998 

Philadelphia

(AC) = Addition or Correction Delegated - Page 2 of 10
H.2 Actions under delegated authority May 31, 1998 to June 6, 1998

Bank Holding Companies

International Bancorp of Miami, Miami, Florida -- request for waiver of a 

commitment.

- Granted, June 3, 1998 (AC)

Atlanta

Palm Desert Investments, Palm Desert, California -- to engage in an incidental data 

processing activity.

- Permitted, June 9, 1998 

San Francisco

Premier Financial Bancorp, Georgetown, Kentucky -- to acquire Boone County 

Bank, Inc., Madison, West Virginia.

- Approved, June 9, 1998 

Cleveland

Premier Financial Bancorp, Georgetown, Kentucky -- to acquire the Bank of Phillipi, 

Inc., Phillipi, West Virginia.

- Approved, June 10, 1998 

Cleveland

Regions Financial Corporation, Birmingham, Alabama -- to merge with Villages 

Bankshares, Inc., Tampa, Florida, and acquire The Village Bank of Florida.

- Approved, June 11, 1998 

Atlanta

Regions Financial Corporation, Birmingham, Alabama -- to merge with First 

Community Banking Servies, Peachtree City, Georgia, and acquire First Community 

Bank.

- Approved, June 11, 1998 

Atlanta

Regions Financial Corporation, Birmingham, Alabama -- to acquire Etowah Bank, 

Canton, Georgia.

- Approved, June 11, 1998 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 10
H.2 Actions under delegated authority June 7, 1998 to June 13, 1998

Bank Holding Companies

Regions Financial Corporation, Birmingham, Alabama -- to acquire Jacobs Bank, 

Scottsboro, Alabama.

- Approved, June 11, 1998 

Atlanta

Resource Bankshares Corporation, Virginia Beach, Virginia -- to acquire Resource 

Bank, Virginia Beach, Virginia.

- Approved, June 8, 1998 

Richmond

Sterling Bancshares, Inc., Houston, Texas -- to acquire Humble National Bank, 

Humble, Texas.

- Approved, June 8, 1998 

Dallas

Union Bankshares Corporation, Bowling Green, Virginia -- to acquire 

Rappahannock Bankshares, Inc., Washington, Virginia.

- Approved, June 11, 1998 

Richmond

Union Planters Corporation, Memphis, Tennessee -- to acquire through merger Alvin 

Bancshares, Inc., Alvin, Texas; Alvin Bancshares Delaware, Inc.; and Alvin State 

Bank.

- Approved, June 10, 1998 

St. Louis

Valley Community Bancshares, Inc., Puyallup, Washington -- to acquire Puyallup 

Valley Bank, Puyallup.

- Approved, June 5, 1998 (AC)

San Francisco

Bank Mergers

Colonial Bank, Montgomery, Alabama -- to merge with Commercial National Bank, 

Daytona Beach, Florida.

- Approved, June 10, 1998 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 10
H.2 Actions under delegated authority June 7, 1998 to June 13, 1998

Bank Mergers

WestStar Bank, Vail, Colorado -- to merge with Glenwood Independent Bank, 

Glenwood Springs, Colorado, and establish branches.

- Approved, June 10, 1998 

Kansas City

Banks, State Member

Amtrade International Bank of Georgia, Atlanta, Georgia -- request for waiver to 

make payment of a dividend.

- Granted, June 11, 1998 

Atlanta

Farmers State Bank & Trust Company, Aurora, Nebraska -- to declare a dividend.

- Approved, June 11, 1998 

Kansas City

First State Bank, Canisteo, New York -- payment of a dividend.

- Approved, June 10, 1998 

New York

Change In Bank Control

Omega City Holding Company, La Moure, North Dakota -- change in bank control.

- Permitted, June 8, 1998 

Minneapolis

Competitive Factors Reports

Banco Bilbao Vizcaya Puerto Rico, Mayaguez, Puerto Rico -- report on competitive 

factors of the proposed merger with PonceBank, Ponce, Puerto Rico.

- Submitted, June 11, 1998 

New York

Community National Bank of New Jersey, Westmont, New Jersey -- report on 

competitive factors of the proposed merger with Hudson United Bank, Union City, 

New Jersey.

- Submitted, June 8, 1998 

New York

(AC) = Addition or Correction Delegated - Page 5 of 10
H.2 Actions under delegated authority June 7, 1998 to June 13, 1998

Competitive Factors Reports

Dime Savings Bank of Wallingford, Wallingford, Connecticut -- report on 

competitive factors of the proposed merger with Lafayette American Bank and Trust 

Company, Bridgeport, Connecticut.

- Submitted, June 8, 1998 

New York

FCN Bank, National Association, Brookville, Indiana -- report on competitive 

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

Greensburg, Indiana, branch of People's Trust Company, Brookville, Indiana.

- Submitted, June 12, 1998 

Chicago

First American Bank & Trust, Madison, South Dakota -- report on competitive 

factors of the proposed merger with First American Bank, Canton, South Dakota.

- Submitted, June 12, 1998 

Minneapolis

First Citizens State Bank of Whitewater, Whitewater, Wisconsin -- report on 

competitive factors of the proposed acquisition of the Whitewater, Wisconsin, 

branch of TCF National Bank, Milwaukee, Wisconsin.

- Submitted, June 10, 1998 

Chicago

First Federal Savings Bank of Elizabethtown, Elizabethtown, Kentucky -- report on 

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

certain liabilities of three branches of Bank One, Kentucky N.A., Louisville, 

Kentucky.

- Submitted, June 9, 1998 

St. Louis

First National Bank of Wayne City, Wayne City, Illinois -- report on competitive 

factors of the proposed merger with Bank of Illinois in Mt. Vernon, Mt. Vernon, 

Illinois.

- Submitted, June 9, 1998 

St. Louis

(AC) = Addition or Correction Delegated - Page 6 of 10
H.2 Actions under delegated authority June 7, 1998 to June 13, 1998

Competitive Factors Reports

FirstBank of Littleton, Littleton, Colorado -- report on competitive factors of the 

proposed merger with FirstBank, N.A., Palm Desert, California.

- Submitted, June 12, 1998 

Kansas City

Heritage Trust Company, Grand Junction, Colorado -- report on competitive factors 

of the proposed merger into Norwest Bank Colorado, National Association, Denver, 

Colorado.

- Submitted, June 11, 1998 

Secretary

Household International, Inc., Prospect Heights, Illinois -- report on competitive 

factors of the proposed merger with Beneficial Corporation, Wilmington, Delaware, 

and Beneficial Savings Bank, F.S.B., Tampa, Florida.

- Submitted, June 10, 1998 

Chicago

Inter-Boro Savings and Loan Association, Cherry Hill, New Jersey -- report on 

competitive factors of the proposed merger with Hudson United Bank, Union City, 

New Jersey.

- Submitted, June 8, 1998 

New York

Lafayette Bank, Easton, Pennsylvania -- report on competitive factors of the 

proposed merger with Ambassador Bank of the Commonwealth, Allentown, 

Pennsylvania.

- Submitted, June 10, 1998 

Philadelphia

Marine Midland Bank, Buffalo, New York -- report on competitive factors of the 

proposed acquisition of the assets and assumption of the liabilities of uninsured U.S. 

branches of Hongkong and Shanghai Banking Corporation in Chicago, Illinois, and 

New York, New York.

- Submitted, June 9, 1998 

Secretary

(AC) = Addition or Correction Delegated - Page 7 of 10
H.2 Actions under delegated authority June 7, 1998 to June 13, 1998

Competitive Factors Reports

Mercantile Bank of Southern Illinois, Mount Vernon, Illinois -- report on 

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

certain liabilities of Mercantile Bank of Northern Illinois, Freeport, Illionois, and 

merger with Homebanc, FSB, Rockford, Illinois.

- Submitted, June 12, 1998 

St. Louis

Midland Capital Holdings Corporation, Bridgeview, Illinois -- report on competitive 

factors of the proposed merger with Midland Federal Savings and Loan Association.

- Submitted, June 10, 1998 

Chicago

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

of the proposed merger with The Peoples National Bank of Grayville, Grayville, 

Illinois.

- Submitted, June 9, 1998 

St. Louis

Pitkin County Bank & Trust Company, Aspen, Colorado -- report on competitive 

factors of the proposed merger with Vectra Bank Colorado, N.A., Denver, Colorado.

- Submitted, June 12, 1998 

San Francisco

Regions Bank, Birmingham, Alabama -- report on competitive factors of the 

proposal to merge with Palmetto Federal Savings Bank of South Carolina, Aiken, 

South Carolina, and establish 22 branches.

- Submitted, June 10, 1998 

Atlanta

Republic Bank, St. Petersburg, Florida -- report on competitive factors of the 

proposed merger with Bankers Savings Bank, F.S.B., Coral Gables, Florida.

- Submitted, June 10, 1998 

Atlanta

(AC) = Addition or Correction Delegated - Page 8 of 10
H.2 Actions under delegated authority June 7, 1998 to June 13, 1998

Competitive Factors Reports

Republic Bank, St. Petersburg, Florida -- report on competitve factors of the 

proposed purchase of certain assets and assumption of certain liabilities of The Dime 

Savings Bank of New York, FSB, New York, New York.

- Submitted, June 11, 1998 

Atlanta

Summit Savings Bank, FSB, Ronhert Park, California -- report on competitive 

factors of the proposed merger with Summit Interim Bank, FSB, Ronhert Park.

- Submitted, June 10, 1998 

San Francisco

Union Planters Bank, N.A., Memphis, Tennessee -- report on competitive factors of 

the proposed purchase of certain assets and assumption of certain liabilities of 24 

Florida branches of California Federal Bank, FSB, San Francisco, California.

- Submitted, June 8, 1998 

St. Louis

Union Planters Bank, N.A., Memphis, Tennessee -- report on competitive factors of 

the proposed merger with Merchants & Farmers Bank, West Helena, Arkansas, and 

Farmers & Merchants Bank, Des Arc, Arkansas.

- Submitted, June 11, 1998 

St. Louis

Extensions Of Time

A.N.B. Holding Company, Ltd., Terrell, Texas -- extension to September 18, 1998, 

to acquire The ANB Corporation, Terrell, Texas; Delaware Corporation; and The 

American National Bank of Texas.

- Granted, June 9, 1998 

Dallas

BankAmerica Corporation, San Francisco, California, and Bank of America 

NT&SA -- extension to September 18, 1998, to establish ZAO Bank of America, 

Moscow, Russia.

- Granted, June 9, 1998 

San Francisco

(AC) = Addition or Correction Delegated - Page 9 of 10
H.2 Actions under delegated authority May 31, 1998 to June 6, 1998

Extensions Of Time

Riverside Banking Company, Fort Pierce, Florida -- extension to September 4, 1998, 

to acquire shares of Riverside Gulf Coast Banking Company, Cape Coral, Florida.

- Granted, June 4, 1998 (AC)

Atlanta

Union Planters Corporation, Memphis, Tennessee -- extension to September 9, 1998, 

to acquire First National Bancshares of Wetumpka, Inc., Wetumpka, Alabama, and 

First National Bank of Wetumpka.

- Granted, June 10, 1998 

St. Louis

Union Planters Corporation, Memphis, Tennessee, and Union Planters Holding 

Corporation -- extension to October 14, 1998, to acquire Capital Savings Bank, 

FSB, Jefferson City, Missouri.

- Granted, June 10, 1998 

St. Louis

Union Planters Corporation, Memphis, Tennessee, and Union Planters Holding 

Corporation -- extension to September 16, 1998, to acquire Merchants Bancshares, 

Inc., Houston, Texas; Gulf Southwest Nevada Bancorp, Inc.; and Merchants Bank.

- Granted, June 11, 1998 

St. Louis

Membership

Chichasha Bank & Trust Company, Chickasha, Oklahoma -- to become a member of 

the Federal Reserve System.

- Approved, June 10, 1998 

Kansas City

(AC) = Addition or Correction Delegated - Page 10 of 10
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, June 13, 1998

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) Danvers Bancorp, Inc., Danvers, Massachusetts – application to

form a mutual bank holding company through the acquisition of

100% of Danvers Savings Bank, Danvers, Massachusetts.*

Newspaper – N/Avail

Fed Reg – 07/16/1998

3(a)(3)/3(a)(5)/

4(c )(8)

UST Corp., Boston, Massachusetts – application for the

acquisition of Affiliated Community Bancorp, Inc., Waltham,

Massachusetts.*

Newspaper – N/Avail

Fed Reg – 7/17/1998

* 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

3(a)(1) MNB Bancorp, Milford, Massachusetts – notification to become a

bank holding company through the reorganization and acquisition

of Milford National Bank and Trust Company, Milford,

Massachusetts*

* Subject to the provisions of the Community Reinvestment Act
Section V – Availability of CRA public evaluations

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

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

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

revised in May 1995.

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

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

facilities.

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

The federal bank regulators use the following four 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, June 13, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Royal Bank of Canada, Montreal, Quebec, Canada, to acquire,

through RBC Holdings (USA) Inc., New York, new York, and

RBC Holdings (Delaware) Inc., Wilmington, Delaware, all of the

shares of New Security First Network Bank, Miami, Florida, a

federally chartered savings bank in formation.

06/22/1998

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.

The federal bank regulators use the following four 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, June 13, 1998

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.

The federal bank regulators use the following four 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, June 13, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

4(c)(8) Notification by Central Bancshares, Inc., Lexington, KY received

on June 9, 1998, to acquire Pioneer Financial Corporation,

Winchester, KY.

N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

3(a)(1) Received notification from Citizens Cimmerce Bancshares, Inc.,

Versailles, KY on June 9, 1998, to acquire Citizens Commerce

National Bank, Versailles, KY.
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.

The federal bank regulators use the following four 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

90627 Chippewa Valley Bank

20 South Main Street

P.O. Box 68

Rittman, OH 44270

3/2/1998 6/8/1998 O X

Section VI – CRA examinations scheduled for Third Quarter of 1998

Institution Location

Community First Bank & Trust 225 N. Main Street, Celina, OH 45822-2201

Iron & Glass Bank 1114 Carson Street, Pittsburgh, PA 15203-1124

The Farmers Citizens Bank Washington Square, Bucyrus, OH 44820

The Ohio Bank 236 S. Main Street, Findlay, OH 45840-0300

Sabina Bank 135 N. Howard Street, Sabina, OH 45169-1152

Shore Bank & Trust Company 540 E. 105th Street, Cleveland, OH 44108

Somerset Trust Company 151 W. Main Street, Somerset, PA 15501-0777
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, June 13, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Hanover Bank, Mechanicville, Virginia, to merge with Regency

Bank, Richmond, Virginia, and First Community Bank, Forest,

Virginia.*

6/29/1998

Branch Bank of Suffolk, Suffolk, Virginia, to establish a branch at 3216

Western Branch Boulevard, Chesapeake, Virginia.*

7/4/1998

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

at 4460 Corporation Lane, Suites A & B, Virginia Beach,

Virginia.*

7/9/1998

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) First Region Bancshares, Inc., Richlands, Virginia, to become a

bank holding company through the acquisition of 100% of the

voting shares of First Sentinel Bank, Richlands, Virginia.*

Fed Reg – 7/10/1998

Newspaper – 7/3/1998

3(a)(3) One Valley Bancorp, Inc., Charleston, West Virginia, to acquire

Summit Bankshares, Inc., Raphine, Virginia.*

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.

The federal bank regulators use the following four 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

193543 Virginia Heartland Bank

4700 Harrison Road

Fredericksburg, Virginia 22408

3/30/1998 6/13/1998 O X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, June 13, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

Comment period

None

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

Comment period

3(a)(3) Habersham Bancorp, Cornelia, Georgia, to acquire 27.06 percent

of the outstanding shares of common stock of Empire Bank Corp.,

and thereby indirectly acquire Empire Banking Co., both of

Homerville, Georgia.*

N/Avail

3(a)(5) Synovus Financial Corp., along with TB&C Bancshares, Inc., both

of Columbus, Georgia, to merge with Community Bank Capital

Corporation, and thereby acquire its subsidiary, Bank of North

Georgia, both of Alpharetta, Georgia.*

N/Avail

3(a)(5) Hancock Holding Company, Gulfport, Mississippi, to merge with

American Security Bancshares, Inc., and thereby acquire American

Security Bank, both of Ville Platte, Louisiana.*

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

Waiver Summit Bank Corporation, Atlanta, Georgia, request for the

proposed merger with California Security Bank, San Jose,

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.

The federal bank regulators use the following four 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

237936 Peoples Bank and Trust Company

Post Office Box 799

Selma, Alabama 36702

(334) 875-1000

1/12/1998 6/11/1998 O/S X

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, June 13, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c)/Branch Citizens Bank

Flint, Michigan

 Charlevoix, Michigan branch office of

 First of America Bank, N.A.

 Kalamazoo, Michigan

 838 Petoskey Street

 Charlevoix, Michigan

Newspaper – N/Avail

Newspaper - Newspaper Comment Period Ending Date

N/Avail - Not Available (Not yet available; Not available at this time)

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

Type Application

Ending date of

comment period

3(a)(1) Town Bankshares, Ltd*

Delafield, Wisconsin

 Delafield State Bank (in organization)

 Delafield, Wisconsin

Fed Reg – 6/12/1998

Newspaper – 6/13/1998

3(a)(1) LeMars Acquisition Corp*

LeMars, Iowa

 LeMars Bank & Trust Company

 LeMars, Iowa

Fed Reg – 7/2/1998

Newspaper – 6/29/1998

3(a)(1) CGB&L Financial Group, Inc.*

Cerro Gordo, Illinois

 Cerro Gordo Building and Loan, S.B.

 Cerro Gordo, Illinois

Fed Reg – 7/6/1998

Newspaper – 6/27/1998

3(a)(5) Banc One Corporation (DE)*

Columbus, Ohio

 First Chicago NBD Corporation

 Chicago, Illinois

Fed Reg – 7/14/1998

Newspaper – N/Avail

3(a)(3) Banc One Corporation* Fed Reg – 7/14/1998
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

Columbus, Ohio

 First Chicago NBD Corporation

 Chicago, Illinois

Newspaper – N/Avail

3(a)(3) First Chicago NBD Corporation*

Chicago, Illinois

 Banc One Corporation

 Columbus, Ohio

Fed Reg – 7/14/1998

Newspaper – N/Avail

3(a)(3) Fort Madison Financial Company*

Fort Madison, Iowa

 Bank of Dallas City

 Dallas City, Iowa

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Grant County State Bancshares, Inc.

Swayzee, Indiana

 By Grant County State Bancshares, Inc., Employee Stock

 Ownership Plan

Fed Reg – 6/19/1998

Newspaper – 6/10/1998

* Subject to the provisions of the Community Reinvestment Act

Fed Reg - Federal Register Comment Period Ending Date

Newspaper - Newspaper Comment Period Ending Date

N/Avail - Not Available (Not yet available; Not available at this time)

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Banc One Corporation (DE)

Columbus, Ohio

 First Chicago NBD Corporation and their 21 nonbanking

 subsidiaries

Fed Reg – 7/14/1998

4(c)(8) CGB&L Financial Group, Inc.

Cerro Gordo, Illinois

 Cerro Gordo Building and Loan, S.B.

 Cerro Gordo, Illinois

Fed Reg – 7/6/1998

4(c)(8) Blackhawk Bancorp, Inc.

Beloit, Wisconsin

 First Financial Bancorp, Inc.

 Belvidere, Illinois

 First Federal Savings Bank

 Belvidere, Illinois

 First Financial Services of Belvidere, Illinois, Inc.

 Belvidere, Illinois

Fed Reg – 7/9/1998

Fed Reg - Federal Register Comment Period Ending Date
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.

The federal bank regulators use the following four 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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, June 13, 1998

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) Notice by Mercantile Bancorporation Inc., St. Louis, Missouri,

to acquire Financial Services Corporation of the Midwest, Rock

Island, Illinois.*

Fed Reg - 7/10/1998

3(a)(5) Companion notice by Ameribanc, Inc., St. Louis, Missouri, a

wholly owned subsidiary of Mercantile Bancorporation Inc., St.

Louis, Missouri, to acquire by merger Financial Services

Corporation of the Midwest, Rock Island, Illinois.*

Fed Reg - 7/10/1998

3(a)(3) Notice by Carlinville National Bank Shares, Inc., Carlinville,

Illinois, to acquire Shipman Bancorp, Inc., Shipman, Illinois.*

Newspaper - 7/6/1998

Fed Reg - N/Avail

3(a)(3) Notice by Independent Southern Bancshares, Inc. Employee Stock

Ownership Plan, Brownsville, Tennessee, and its subsidiary bank

holding company, Independent Southern Bancshares, Inc.,

Brownsville, Tennessee, to acquire First Western Bank, Cooper

City, Florida.*

Newspaper - 7/13/98

3(a)(3) Notice by Midwest Bancshares, Inc. & Affiliate Employee Stock

Ownership Plan, Poplar Bluff, Missouri, to acquire Midwest

Bancorporation, Inc., Poplar Bluff, Missouri (previously reported

during the weeks of May 25 and June 1, 1998).*

Newspaper - 7/10/98

* 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) Notice by The Peoples Bancshares, Inc., Sardis, Tennessee, to

engage directly in leasing activities.

Fed Reg - 6/30/1998

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.

The federal bank regulators use the following four 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

663450 Bank of Louisiana

Louisiana, Missouri

3/2/1998 6/10/1998 S X
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, June 13, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Dacotah Bank, Aberdeen, South Dakota, to establish a branch in

Aberdeen, South Dakota.*

7/4/1998

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) JDOB Inc., Sandstone, Minnesota, for prior approval to acquire

80% or more of the voting shares of Lakeland National Bank, Lino

Lakes, Minnesota, a de novo bank.*

Fed Reg - 6/29/1998

3(a)(5) Marquette Bancshares, Inc., Minneapolis, Minnesota, for prior

approval to merge with Dakota Company, Inc., Minneapolis,

Minnesota.*

Fed Reg - 7/10/1998

CIC Anton J. Ringsmuth to acquire control of The Ringsmuth Family

Limited Partnership, Wakefield, Michigan.

Fed Reg - 6/26/1998

* 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.

The federal bank regulators use the following four performance levels to rate an institution's

performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

available.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, June 13, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c)/Branch BancFirst, Oklahoma City, Oklahoma, for prior approval to merge

with The Security Bank & Trust Company, Lawton, Oklahoma;

and incident thereto, establish an additional branch.

Newspaper – 07/06/1998

18(c)/Branch WestStar Bank, Bartlesville, Oklahoma, for prior approval to

purchase the assets and assume the liabilities of the Nowata,

Oklahoma, branch of Superior Federal Bank, F.S.B., Fort Smith,

Arkansas.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

3(a)(3) Financial Bancshares, Inc., Holton, Kansas, for prior approval to

acquire 18.18 percent of the voting shares of Arizona Bancshares,

Inc., Flagstaff, Arizona; and thereby indirectly acquire First State

Bank, Flagstaff, Arizona, a de novo bank in organization.

Newspaper – 07/06/1998

Fed Reg – 07/06/1998

3(a)(5) Winter Trust of 12/03/74, Monument, Colorado, for prior

approval to merge with Peoples Trust of 1987, Ottawa, Kansas;

and for El Paso Bancshares, Inc., Monument, Colorado, to merge

with Peoples, Inc., Ottawa, Kansas; and thereby indirectly acquire

Peoples National Bank, Overland Park, Kansas, Johnson County

Bank, Overland Park, Kansas, and Peoples National Bank & Trust,

Overland Park, Kansas.

Newspaper – 07/12/1998

Fed Reg – 07/06/1998

CIC Frank P. Giltner III, and Renee Valladares Giltner, both of

Phoenix, Arizona; to acquire voting shares of The Avoca 

Company, Avoca, Nebraska, and thereby indirectly acquire voting

shares of Farmers State Bank of Nebraska, Bennet, Nebraska.

Newspaper – N/Avail

Fed Reg – 06/25/1998

CIC Thomas H. Olson Family Limited Partnership, Lisco, Nebraska,

for prior approval to acquire voting shares of First Nebraska

Bancs, Inc., Sidney, Nebraska; and thereby indirectly acquire First

National Bank, Julesburg, Colorado, and First National Bank,

Newspaper – 07/05/1998

Fed Reg – 07/01/1998
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

Torrington, Colorado.

3(a)(3) / 3(a)(1) Gold Bancorporation, Inc., Leawood, Kansas, to acquire 100

percent of the voting shares of Northwest Bancshares, Inc., Colby,

Kansas; and thereby indirectly acquire Peoples State Bank, Colby,

Kansas. In connection with this application Gold Banc

Acquisition Corporation VI, Inc., Leawood, Kansas, has applied to

become a bank holding company through the acquisition of 100

percent of the voting shares of Northwest Bancshares, Inc., Colby,

Kansas; and thereby indirectly acquire Peoples State Bank, Colby,

Kansas.

Newspaper – 07/04/1998

Fed Reg – 07/10/1998

3(a)(3) / 3(a)(1) Gold Banc Corporation, Inc., Leawood, Kansas, to acquire 100

percent of the voting shares of First State Bancorp., Inc., Pittsburg,

Kansas; and thereby indirectly acquire First State Bank & Trust

Company, Pittsburg, Kansas. In connection with this application

Gold Banc Acquisition Corporation VII, Inc., Leawood, Kansas,

has applied to become a bank holding company through the

acquisition of 100 percent of the voting shares of First State

Bancorp., Inc., Pittsburg, Kansas; and thereby indirectly acquire

First State Bank & Trust Company, Pittsburg, Kansas.

Newspaper – 07/01/1998

Fed Reg – 07/13/1998

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.

The federal bank regulators use the following four 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

271752 Bank of Cushing & Trust Company

224 E. Broadway

Cushing, Oklahoma 74023-3336

03/09/1998 06/09/1998 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, June 13, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) A.N.B. Holding Company, Ltd., The, Terrell, TX,

ANB Corporation, The, Terrell, TX, and

ANB Delaware Corporation, Terrell, TX, to acquire

Bank of Van Zandt, Canton, 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.

The federal bank regulators use the following four 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, June 13, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Valley Independent Bank, El Centro, California, to establish a

branch office at 39-700 Bob Hope Drive, Suite 100, Rancho

Mirage, California. *

Newspaper - 4/30/1998

* Subject to the provisions of the Community Reinvestment Act

Newspaper – Newspaper Comment Period Ending Date

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

SR Eldorado Bank, Tustin, California, to pay a $1 million dividend to

Commerce Security Bancorp, Inc., Lauguna Hills, California.

 None

Member Valencia National Bank, Santa Clarita, California, to become a

member of the Federal Reserve System.

 None

4(c)(8) Ten-day post consummation notice from First Security

Corporation, Salt Lake City, Utah, to engage in providing

management consulting advice and, to a limited extent, providing

financial and investment advisory activities through First Security

Specialized Services, Inc., Salt Lake City, Utah.

 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.

The federal bank regulators use the following four 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