Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 1

Week Ending January 1, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions #Error

#Error

(AC) = Addition or Correction Board - Page 1 of 1
December 26, 1999 to January 1, 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

The Chase Manhattan Bank, New York, New York -- to establish a branch at 530 

Myrtle Ave., Boonton.

- Approved, December 28, 1999 

New York

Farmers & Merchants Bank of Central California, Lodi, California -- to establish a 

branch at 3500 Dale Road, Modesto, and at 14137 River Road, Walnut Grove.

- Approved, December 28, 1999 

San Francisco

Irwin Union Bank and Trust Company, Columbus, Indiana -- to establish a branch at 

0-185 44th Street SW, Grandville, Michigan.

- Approved, December 31, 1999 

Chicago

Madison Bank, Blue Bell, Pennsylvania -- to establish a branch at 43 Summit Square 

Shopping Center, Langhorne.

- Approved, December 28, 1999 

Philadelphia

Old Kent Bank, Grand Rapids, Michigan -- to establish a branch at 218 West 

Washington Street, South Bend, Indiana.

- Approved, December 31, 1999 

Chicago

Provident Bank, Sarasota, Florida -- to establish a branch at 4570 14th Street West, 

Suite 110, Bradenton.

- Approved, December 31, 1999 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority December 26, 1999 to January 1, 2000

Bank Holding Companies

Banque Nationale de Paris, Paris, France -- waiver of remainder of notification 

period for its agreement corporation subsidiary, BNP Mexico Holding, Inc., 

Wilmington, Delaware, to invest in BNP (Mexico), S.A., Mexico City, Mexico.

- Granted, December 28, 1999 

Director, BS&R

Bootheel Bancorp, Inc., Bernie, Missouri -- to acquire Poplar Bluff Computer 

Service Center, Inc., Poplar Bluff, and thereby engage in data processing activities.

- Approved, December 27, 1999 

St. Louis

Century South Banks, Inc., Dahlonega, Georgia -- to merge with Lanier Bankshares, 

Inc., Gainesville, and thereby acquire Lanier National Bank.

- Approved, December 31, 1999 

Atlanta

Clintonville Bancshares, Inc., Clintonville, Wisconsin -- to acquire Nichols Bancorp, 

Inc., Nichols, and thereby acquire Neighborhood State Bank.

- Approved, December 29, 1999 

Chicago

Ellis Bankshares, Inc., Eagle River, Wisconsin -- to become a bank holding company 

through the acquisition of First National Bank of Eagle River.

- Approved, December 28, 1999 

Minneapolis

Evergreen Bancshares, Inc., Tallahassee, Florida -- waiver of a commitment.

- Granted, December 31, 1999 

Atlanta

Farmers Bancshares, Inc., Hardinsburg, Kentucky -- to acquire Leitchfield Deposit 

Bancshares, Inc., Leitchfield, and to acquire Leitchfield Bancshares Insurance, Inc., 

and thereby engage in the sale, as agent, of credit-related insurance.

- Approved, December 27, 1999 

St. Louis

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority December 26, 1999 to January 1, 2000

Bank Holding Companies

Horizon Bancorp, Michigan City, Indiana -- to redeem shares.

- Approved, December 29, 1999 

Chicago

IBT Bancorp Inc., Mt. Pleasant, Michigan -- to restructure its nonbanking activities.

- Returned, December 29, 1999 

Chicago

Panola National Bancshares, Inc., Carthage, Texas -- to become a bank holding 

company through the acquisition of Panola National Bancshares of Delaware, Inc., 

Wilmington, Delaware, and Panola National Bank, Carthage; and for Panola National 

Bancshares of Delaware, Inc. to become a bank holding company through the 

acquisition of Panola National Bank.

- Approved, December 29, 1999 

Dallas

Pinnacle Bancorp, Inc., Central City, Nebraska -- to acquire Burns National Bank of 

Durango, Durango, Colorado, and Western Bank, Gallup, New Mexico.

- Approved, December 31, 1999 

Kansas City

Rivers Ridge Holding Company, Edina, Minnesota -- to become a bank holding 

company through the acquisition of BankVista, Sartell, a de novo bank.

- Approved, December 30, 1999 

Minneapolis

Sherman County Management, Loup City, Nebraska -- to acquire Prime Trading 

Company, Loup City, and thereby engage in commodities brokerage activities.

- Approved, December 28, 1999 

Kansas City

Summit Bancorp, Princeton, New Jersey -- to merge with NMBT Corp, New 

Milford, Connecticut, and thereby acquire NMBT bank. 

- Approved, December 30, 1999 

New York

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority December 26, 1999 to January 1, 2000

Bank Holding Companies

SunTrust Banks, Inc., Atlanta, Georgia -- waiver of commitment.

- Granted, December 31, 1999 

Atlanta

Bank Mergers

Bank of Colorado, Fort Lupton, Colorado -- to merge with Durango Bank, 

Durango, and to establish branches.

- Approved, December 31, 1999 

Kansas City

NB Interim Bank, N.A., New York, New York -- waiver of any application 

requirement under section 3 of the Bank Holding Company Act, in connection with 

the proposed mergers whereby NB Interim Bank, N.A., New York, New York (In 

Organization), will be merged into Korea First Bank of New York, New York, New 

York ("KFB"), and immediately thereafter KFB will merge with and into Nara Bank, 

Los Angeles, California.

- Granted, December 31, 1999 

San Francisco

Banks, Foreign

Westdeutsche Landesbank Girozentrale, Dusseldorf, Germany -- to engage de novo, 

through its wholly owned subsidiary, WestLB Panmure Securities Inc., New York, 

New York, in extending credit and servicing loans and agency transactional services 

for customer investments.

- Approved, December 30, 1999 

New York

Banks, State Member

Effingham State Bank, Effingham, Illinois -- to purchase certain assets and assume 

certain liabilities of the 318 West College, Greenville, branch of Associated Bank 

Illinois, National Association, Rockford, and to retain the facility as a full service 

branch.

- Approved, December 31, 1999 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority December 26, 1999 to January 1, 2000

Banks, State Member

Fort Lupton Bank, Fort Lupton, Colorado -- to exercise trust powers.

- Approved, December 31, 1999 

Kansas City

Change In Bank Control

First Fidelity Bancorp, Inc., Oklahoma City, Oklahoma -- change in bank control.

- Permitted, December 31, 1999 

Kansas City

Irving National Bancshares, Inc., Irving, Texas -- change in bank control.

- Permitted, December 30, 1999 

Dallas

Competitive Factors Reports

Central National Bank, Junction City, Kansas -- report on competitive factors of the 

proposed merger with Farmers State Bank, Mankato, and Farmers State Bank and 

Trust Company of Superior, Superior, Nebraska.

- Submitted, December 29, 1999 

Kansas City

Community Interim National Bank of Pasco County, Zephyrhills, Florida -- report on 

competitive factors of the proposed merger with Community National Bank of Pasco 

County.

- Submitted, December 29, 1999 

Atlanta

Cowlitz Bank, Longview, Washington -- report on competitive factors of the 

proposed merger with Northern Bank of Commerce, Portland, Oregon.

- Submitted, December 29, 1999 

San Francisco

F&M Bank-Kaukauna, Kaukauna, Wisconsin -- report on competitive factors of the 

proposed merger with F&M Trust Company.

- Submitted, December 28, 1999 

Chicago

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority December 26, 1999 to January 1, 2000

Competitive Factors Reports

First Interim National Bank of Osceola County, Kissimmee, Florida -- report on 

competitive factors of the proposed merger with First National Bank of Osceola 

County.

- Submitted, December 29, 1999 

Atlanta

First Interim National Bank of Polk County, Winter Haven, Florida -- report on 

competitive factors of the proposed merger with First National Bank of Polk County.

- Submitted, December 29, 1999 

Atlanta

Kane County Bank and Trust Company, Elburn, Illinois -- report on competitive 

factors of the proposed merger with Burlington Bank, Burlington; and on the 

proposed purchase of assets and assumption of liabilities of two branches of Old 

Second National Bank of Aurora, Aurora.

- Submitted, December 28, 1999 

Chicago

Norwest Bank Texas, N.A., San Antonio, Texas -- report on competitive factors of 

the proposed merger with Bank of South Texas, Floresville, and First National Bank 

of South Texas, San Antonio.

- Submitted, December 30, 1999 

San Francisco

Old Second National Bank of Aurora, Aurora, Illinois -- report on competitive 

factors of the proposed merger with Bank of Sugar Grove, Sugar Grove.

- Submitted, December 28, 1999 

Chicago

Regional Missouri Bank, Marceline, Missouri -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of Marceline Home Savings 

and Loan Association.

- Submitted, December 29, 1999 

Kansas City

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority December 26, 1999 to January 1, 2000

Competitive Factors Reports

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

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

Dayton, Tennessee, branch of First American National Bank, Nashville.

- Submitted, December 29, 1999 

Atlanta

South Group Bancshares, Inc., Glenville, Georgia -- report on competitive factors of 

the proposal to become a unitary thrift holding company by acquiring South Georgia 

Bank, FSB through a merger between South Georgia Bank and an interim institution.

- Submitted, December 29, 1999 

Atlanta

Terre Haute Savings Bank, Terre Haute, Indiana -- report on competitive factors of 

the proposed merger with THSB Merger Bank, Terre Haute.

- Submitted, December 28, 1999 

Chicago

Extensions Of Time

TCNB Financial Corp., Dayton, Ohio -- extension to April 7, 2000, to acquire The 

Citizens National Bank of Southwestern Ohio.

- Granted, December 27, 1999 

Cleveland

United Bank of Philadelphia, Philadelphia, Pennsylvania -- extension to March 31, 

2000, to fulfill a commitment.

- Granted, December 30, 1999 

Director, BS&R

(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, January 1, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, January 1, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Banca Intessa S.P.A., Milano, Italy, to establish a branch in

New York, New York, and to establish representative offices in

Chicago, Illinois and San Francisco, California.

Newspaper – N/Avail

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

office in Boston, Massachusetts.

Newspaper – N/Avail

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 Turkiye Is Bankasi A.S., Ankara, Turkey, to establish a

representative 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)(3) Banco Santander Central Hispano, S.A., Madrid, Spain, to

acquire up to 9.64 percent of The Royal Bank of Scotland Group

Plc, Edinburgh, Scotland.*

Newspaper – N/Avail

Fed Reg – 01/03/2000

3(a)(1) Dime Bancorp, Inc., New York, New York (“Dime”), to become

a bank holding company, in connection with the proposed

merger of Hudson United Bancorp, Mahwah, New Jersey

(“Hudson”), with and into Dime, and thereby acquire all of the

issued and outstanding stock of Hudson’s subsidiary, Hudson

United Bank, Mahwah, New Jersey, a nonmember commercial

bank. At the effective time of the merger, Dime will change its

name to Dime United Bancorp, Inc..*

Newspaper – 01/06/2000

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) Toronto-Dominion Bank, Toronto, Canada, to acquire all of the

shares of CTUSA, F.S.B., Naples, Florida.

Fed Reg – 01/10/00

4(c)(8) UBS AG, Zurich, Switzerland, to acquire through its wholly

owned indirect subsidiary North Street Finance LLC, New York,

NY, the telephone and answering machine leasing business of

Lucent Technologies Consumer Products L.P., Murray Hill, NJ,

and engage in certain leasing activities.

Fed Reg – N/Avail

4(c)(8) Berkshire Bancorp Inc., to acquire 24.9 percent of Madison

Merchant Services, Inc. and thereby engage in credit card

authorization and credit card processing.

Fed Reg-N/Avail

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None
Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, January 1, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, January 1, 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) Received application from Snyder Holding Corporation and

F&A Financial Company, both of Kittanning, PA on 12/24/1999

to acquire F&A Financial Corporation, Kittanning, PA.

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

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

449122 Sky Bank

10 East Main Street

Salineville, OH 45840

08/30/1999 12/29/1999 S X

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, January 1, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Allfirst Bank, Baltimore, Maryland, to establish a branch at

1325 A Liberty Road, Eldersburg, Maryland.*

Newspaper - 01/11/2000

Branch Prosperity Bank & Trust Company, Springfield, Virginia, to

establish a branch at 6050A Burke Commons Court, Burke,

Virginia.*

Newspaper - 01/14/2000

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

82024 Atlantic Bank

4604 Coastal Highway

Ocean City, Maryland 21842-3248

06/21/1999 12/31/1999 S X

161527 First Virginia Bank-Colonial

700 East Main Street

Richmond, Virginia 23219-2619

06/21/1999 12/31/1999 S X

624826 First Virginia Bank-Blue Ridge

125 North Central Avenue

Staunton, Virginia 24401

06/21/1999 12/31/1999 S X

832920 First Virginia Bank-Tidewater

555 Main Street

Norfolk, Virginia 23510-2713

06/21/1999 01/01/2000 S X

679125 First Virginia Bank

6400 Arlington Boulevard

Falls Church, Virginia 22042-2336

06/21/1999 01/01/2000 S 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, January 1, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

branch located at 6765 North Wickham Road, Melbourne,

Florida.

01/14/2000*

Branch Gulf Bank, Miami, Florida, to establish a branch located at 2800

S.W. 8th Street, Miami, Florida.

01/10/2000*

Branch Provident Bank of Florida, Sarasota, Florida, to establish a

branch located at 4570 14th Street West, Suite 110, Bradenton,

Florida.

12/28/1999*

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC FMB Banking Corporation, Monticello, Florida, after-the-fact

notification filed by FMB, Ltd., Monticello, Florida, and Mr.

F.W. Carraway, Jr.; Mr. F. Wilson Carraway, III; and Mr.

Edward H. Carraway; individually, and in their capacity as

general partners, and Mr. F. Wilson Carraway, III, Mr. F.W.

Carraway, Jr.; Mr. F.W. Carraway, Jr., Grantor Retained

Annuity Trust; Mr. Edward H. Carraway; Ms. Elizabeth

Carraway Neilson; Ms. Caroline Carraway Sutton; and Ms.

Rena Katherine Carraway, individually and in their capacity as

limited partners to retain 60.4 percent of the outstanding shares

of FMB Banking Corporation, Monticello, Florida.

N/Avail

CIC Citizens Community Bancshares, Inc., Winchester, Tennessee,

after-the-fact notification filed by Mr. Philip Brown McAfee to

retain 10.72 percent of the outstanding shares of Citizens

Community Bancshares, Inc., Winchester, Tennessee.

N/Avail
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Intervest Bancshares Corporation, New York, New York, to

acquire Intervest Corporation of New York, New York, New

York, and thereby engage in making, acquiring, or servicing

loans or other extensions of credit.

N/Avail

4(c)(8) Central Progressive Bancshares, Inc., Hammond, Louisiana,

prior notice to engage de novo in making, acquiring, brokering,

or servicing loans or other extensions of credit, through its

wholly-owned, newly formed subsidiary, Central Progressive

Mortgage Corporation, Hammond, Louisiana.

N/Avail

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

Type Application

4(c)(8) United Financial Holdings, Inc., St. Petersburg, Florida, to

engage de novo in lending activities.

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.
Section V – Availability of CRA public evaluations

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

533535 1

st Bank of Boaz

Post Office Box 757

Boaz, Alabama 35957

(205) 593-8670

09/07/1999 12/27/1999 0 X

539032 Bank Independent

Post Office Drawer B

Sheffield, Alabama 35660

(205) 386-5000

08/16/1999 12/29/1999 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, January 1, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Farmers State Bank of Waupaca

Waupaca, Wisconsin

 205 N. Main Street

 Wild Rose, Wisconsin

Newspaper – 01/15/2000

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

Type Application

Ending date of

comment period

3(a)(1) Baytree Bancorp, Inc.*

Chicago, Illinois

 Baytree National Bank & Trust Company (in organization)

 Chicago, Illinois

Fed Reg – 01/26/2000

Newspaper – N/Avail

 3(a)(1) The Leaders Group, Inc.*

Oak Brook, Illinois

 The Leaders Bank (in organization)

 Oak Brook, Illinois

Fed Reg – 12/03/1999

Newspaper – 11/24/1999

* 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) Iowa State Financial Services Corporation

Fairfield, Iowa

 Sisler Insurance Agency, Inc.

 Coggon, Iowa

Fed Reg - 01/17/2000
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

41245 Farmers & Merchants Bank

303 Spring Street

Orfordville, Wisconsin 53576

(608) 879-2911

09/07/1999 12/31/1999 S X

409649 Union State Bank

400 W. Main Street

Rockwell City, Iowa 50579

(712) 297-7556

10/04/1999 12/31/1999 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, January 1, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(5) Notice by National Commerce Bancorporation, Memphis,

Tennessee, to acquire First National Bank, Lenoir City,

Tennessee. (Previously reported during the week ending

December 25, 1999)*

Newspaper – 1/27/2000

Fed Reg – 1/27/2000

3(a)(5) Notice by Old National Bancorp, Evansville, Indiana, to acquire

Heritage Financial Services, Inc., Clarksville, Tennessee.*

Newspaper – 1/17/2000

Fed Reg – 1/14/2000

3(a)(5) Notice by Old National Bancorp, Evansville, Indiana, to acquire

ANB Corporation, Muncie, Indiana. A companion Section

4(c)(8) notice accompanies this notice.*

Newspaper – 1/17/2000

Fed Reg – 1/14/2000

CIC Notice involving Security Bancshares of Pulaski County, Inc.,

St. Robert, Missouri, by Keith W. and Barbara S. Pritchard,

Waynesville, Missouri. A companion stock redemption notice

and change in control notice accompany this notice.

Newspaper – 1/17/2000

Fed Reg – 1/24/2000

CIC Notice involving Security Bancshares of Pulaski County, Inc.,

St. Robert, Missouri, by Carl E. and Cindy S. Boone, King City,

Missouri. A companion stock redemption notice and change in

control notice accompany this notice.

Newspaper – 1/17/2000

Fed Reg – 1/24/2000

* 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

4(c)(8) Notice by Old National Bancorp, Evansville, Indiana, to acquire

ANB Corporation, Muncie, Indiana. A companion Section

3(a)(5) notice accompanies this notice.

1/14/2000
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

S/R Notice by Security Bancshares of Pulaski County, Inc., St.

Robert, Missouri, to redeem 39.39 percent of its equity capital.

Two companion change in control notices accompany this

notice.

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, January 1, 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) Van Deusen Bancorp, Inc., Lewisville, Minnesota, for prior

approval to become a bank holding company through the

acquisition of 100% of the voting shares of Madison Lake

Bancorporation, Inc., Madison Lake, Minnesota.*

Fed Reg – 01/27/2000

3(a)(3) Lewisville Bancorp, Inc., Lewisville, Minnesota, for prior

approval to acquire 100% of the voting shares of Van Deusen

Bancorp, Inc., Lewisville, Minnesota.*

Fed Reg – 01/27/2000

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

663058 Rocky Mountain Bank

Billings, Montana

09/07/1999 12/30/1999 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, January 1, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Holden, Holden, Missouri for prior approval to establish

a branch at 206 South Market Street, Holden, Missouri.

Newspaper – 01/11/2000

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

Type Application

Ending date of

comment period

3(a)(1) Premier Bancorp, Inc., Denver, Colorado, for prior approval to

become a bank holding company through the acquisition of 100

percent of the voting shares of Premier Bank, Denver, Colorado.

Newspaper – N/Available

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

Premises Bank of Holden, Holden, Missouri, notice of proposal to

increase investment in premises which will result in investment

in premises being greater than 150 percent of Common Stock

and Surplus.
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

955959 Security State Bank of Basin

Basin, Wyoming

10/12/1999 12/30/1999 S X

12058 Bank of Holden

Holden, Missouri

10/04/1999 12/30/1999 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, January 1, 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 Charles Burgess and C. Jane Burgess, Amarillo, TX, to acquire

an interest in Herring Bancorporation, Inc., Vernon, TX

Fed Reg – N/Avail

Newspaper – 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

Member Lorenzo State Bank at Lorenzo, Lorenzo, TX, to become a

member of 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 Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, January 1, 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

4(c)(8) Zions Bancorporation, Salt Lake City, Utah, and BancWest

Corporation, Honolulu, Hawaii, to acquire, through joint venture

Star Systems, Inc., Maitland, Florida, up to 38 percent of Bank

Network Securities, Inc., Chicago, Illinois.

Fed Reg - 01/16/2000

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

Type Application

4(c)(8) California Community Bancshares, Inc., San Francisco,

California, to acquire Signature Financial Group, Danville,

California.

COM Pedcor Bancorp, Indianapolis, Indiana, requests termination of a

commitment made for debt increases, prior to approval by the

Federal Reserve Bank of San Francisco.
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