Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 45

Week Ending November 4, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions October 29, 2000 to November 4, 2000

Regulations And Policies

Risk-based capital standards -- request for comment on interagency proposed rule to 

amend the risk weight assigned to claims on securities firms (Docket No. R-1085).

- Approved, October 17, 2000 (AC)

Simplified capital framework for noncomplex banks and thrift institutions -- interagency 

advance notice of proposed rulemaking, and staff request to make non-substantive edits 

to accommodate comments from other agencies (Docket No. R-1084).

- Approved, October 17, 2000 (AC)

Reserve Bank Services

Automated Clearing House practices -- new pricing and deposit deadline practices for 

Reserve Bank transactions with private-sector ACH operators.

- Approved, October 30, 2000 

(AC) = Addition or Correction Board - Page 1 of 1
October 29, 2000 to November 4, 2000

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulatio

Consumer and Community Affai

Federal Open Market Committ

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Managemen

H.2 Actions under delegated authority

Bank Branches, Domestic

Allfirst Bank, Baltimore, Maryland -- to establish a branch at 504 East Ridgeville 

Boulevard, Mt. Airy.

- Approved, November 2, 2000 

Secretary

First Capital Bank, Glen Allen, Virginia -- to establish a branch at 113 Junction Drive, 

Ashland.

- Approved, November 2, 2000 

Richmond

Bank Holding Companies

BB&T Corporation, Winston-Salem, North Carolina -- to acquire BankFirst 

Corporation, Knoxville, Tennessee.

- Approved, November 2, 2000 

Richmond

Citco Community Bancshares, Inc., Elizabethton, Tennessee -- to acquire Twin City 

Bancorp, Inc., Bristol, and Twin City Federal Savings Bank and thereby engage in 

operating a savings association.

- Approved, November 2, 2000 

Atlanta

First South Bancorp, Inc., Lexington, Tennessee -- waiver of notification requirement in 

connection with the proposed merger of First South Bancorp's subsidiary bank, First 

Bank, with Bank of Huntingdon, Huntingdon, and the proposed acquisition of Bank of 

Huntingdon's parent holding company, Bancorp of Huntingdon.

- Granted, October 30, 2000 

St. Louis

Greater Bay Bancorp, Palo Alto, California -- to acquire The Matsco Companies, Inc., 

Emeryville, and thereby engage in commercial lending, equipment lease financing, and 

management consulting and counseling activities.

- Approved, October 31, 2000 

San Francisco

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority October 29, 2000 to November 4, 2000

Bank Holding Companies

Heritage Bancshares, Inc., Orange Park, Florida -- to become a bank holding company 

through the acquisition of Heritage Bank of North Florida.

- Approved, October 30, 2000 

Atlanta

Inland Bancorp Holding Company, Oak Brook, Illinois -- to become a bank holding 

company through the acquisition of Westbank, Westchester, and election to become a 

financial holding company.

- Approved, November 2, 2000 

Chicago

Integra Bank Corporation, Evansville, Indiana -- waiver of notification requirement in 

connection with the proposed merger of Integra Bank Corporation's subsidiary bank, 

Integra Bank, N.A. with West Kentucky Bank, Madisonville, Kentucky, and the 

proposed acquisition of Integra Bank, N.A.'s parent holding company, Webster Bancorp, 

Inc., Clay.

- Granted, October 30, 2000 

St. Louis

Inter-Mountain Bancorp, Inc., Bozeman, Montana -- to acquire shares of Chouteau 

County Bancshares, Inc., Fort Benton.

- Approved, November 2, 2000 

Minneapolis

Marathon Financial Corporation, Winchester, Virginia -- to acquire Rockingham Heritage 

Bank, Harrisonburg, and for Rockingham Heritage Bank to merge with Marathon Merger 

Bank, Winchester, an interim bank.

- Approved, November 3, 2000 

Richmond

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to engage in community 

development activities through M&I Community Development Corporation.

- Approved, November 3, 2000 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority October 29, 2000 to November 4, 2000

Bank Holding Companies

National Penn Bancshares, Boyertown, Pennsylvania -- to acquire Community 

Independent Bank, Inc., Bernville, and Bernville Bank, N.A.

- Approved, November 3, 2000 

Philadelphia

PSB Bancorp, Inc., Philadelphia, Pennsylvania -- to acquire shares of Iron Bridge 

Holdings, Inc.

- Returned, November 3, 2000 

Philadelphia

Routt County Bancorporation, Inc., Steamboat Springs, Colorado -- to become a bank 

holding company through the corporate reorganization of First National Bank of 

Steamboat Springs and election to become a financial holding company.

- Approved, November 2, 2000 

Kansas City

Stockman Financial Corporation, Miles City, Montana -- to acquire Marquette Bank 

Montana, National Association, Conrad.

- Approved, November 3, 2000 

Minneapolis

Sturm Financial Group, Inc., Denver, Colorado -- to become a bank holding company 

through the acquisition of Sturm Banks of Colorado, Inc., Sturm Banks of Wyoming, 

Inc., and Sturm Banks of Kansas City, Inc.; to acquire Community First Data Services, 

Inc., Cheyenne, Wyoming, and thereby engage indirectly in data processing services; and 

for Sturm Banks of Kansas City, Inc. to engage directly in lending activities.

- Approved, November 1, 2000 

Kansas City

Sun Bancshares, Inc., Murrells Inlet, South Carolina -- to become a bank holding 

company through the acquisition of SunBank, N.A., a de novo bank.

- Approved, October 31, 2000 

Richmond

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority October 29, 2000 to November 4, 2000

Bank Mergers

Greenwood Bank & Trust, Greenwood, South Carolina -- to merge with Clemson Bank 

& Trust, Clemson; Community Bank & Trust, Barnwell; TheBank, Belton; and Mid State 

Bank, Newberry.

- Approved, November 3, 2000 

Richmond

The Provident Bank, Cincinnati, Ohio -- to merge with The Provident of Florida, 

Sarasota, Florida, and establish branches.

- Approved, October 30, 2000 

Cleveland

Banks, Nonmember, And Miscellaneous Institutions

Investors Trust Company, Kansas City, Missouri -- transfer agent registration for 

Investors Trust Company and withdrawal of registration for Investors Fiduciary Trust 

Company.

- Approved, November 1, 2000 

Director, BS&R

Zixlt Corporation, Dallas, Texas -- deregistration under Regulation U.

- Approved, November 2, 2000 

Dallas

Banks, State Member

Bank of Chelsea, Chelsea, Oklahoma -- to merge with Bank of Commerce, Catoosa, 

and establish a branch.

- Approved, November 2, 2000 

Kansas City

Capital Stock

Wilber Company, Wilber, Nebraska -- treasury stock transaction.

- Approved, October 31, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority October 29, 2000 to November 4, 2000

Change In Bank Control

Munter Agency, Inc., Strawberry Point, Iowa -- change in bank control.

- Permitted, November 3, 2000 

Chicago

Competitive Factors Reports

The Bank of Bloomfield Hills, Bloomfield Hills, Michigan -- report on competitive factors 

of the proposed merger with The Bank of Rochester, Rochester.

- Submitted, October 31, 2000 

Chicago

The Bank of Southside Virginia, Carson, Virginia -- report on competitive factors of the 

proposed acquisition of the Dinwiddie and Smithfield branches of First Union National 

Bank, Charlotte, North Carolina.

- Submitted, November 1, 2000 

Richmond

The Citizens National Bank of McConnelsville, McConnelsville, Ohio -- report on 

competitive factors of the proposed merger with CNB National Bank.

- Submitted, October 30, 2000 

Cleveland

Community Bank-Wheaton/Glen Ellyn, Glen Ellyn, Illinois -- report on competitive 

factors of the proposed merger with Commbank-Wge.

- Submitted, October 31, 2000 

Chicago

First-Citizens Bank & Trust Company, Raleigh, North Carolina -- report on competitive 

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

the Staunton and Verona, Virginia, branches of First Union National Bank, Charlotte.

- Submitted, November 3, 2000 

Richmond

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority October 29, 2000 to November 4, 2000

Competitive Factors Reports

Granite Bank, Keene, New Hampshire -- report on competitive factors of the proposed 

acquisition of the Portsmouth and Hampton, New Hampshire, branches of Webster 

Bank, Waterbury, Connecticut.

- Submitted, November 2, 2000 

Boston

Guardian Bank, Valdosta, Georgia -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of two Valdosta branches of Waycross 

Bank & Trust, Waycross.

- Submitted, November 1, 2000 

Atlanta

Hilltop Community Bank, Summit, New Jersey -- report on competitive factors of the 

proposed purchase of certain assets and assumption of certain liabilities of Unity Bank, 

Clinton.

- Submitted, November 2, 2000 

New York

Integra Bank, N.A., Evansville, Indiana -- report on competitive factors of the proposed 

merger with West Kentucky Bank, Madisonville, Kentucky.

- Submitted, November 3, 2000 

St. Louis

Pioneer American Bank, National Association, Carbondale, Pennsylvania -- report on 

competitive factors of the proposed merger with LA Bank, N.A., Lake Ariel.

- Submitted, October 30, 2000 

Philadelphia

PNC Converted Bank, National Association, Pittsburgh, Pennsylvania -- report on 

competitive factors of the proposed merger with PNC Bank, National Association.

- Submitted, October 30, 2000 

Cleveland

The Savings Bank, Circleville, Ohio -- report on competitive factors of the proposed 

merger with Savings Interim Bank.

- Submitted, October 30, 2000 

Cleveland

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority October 29, 2000 to November 4, 2000

Competitive Factors Reports

Southern Community Bank of Southwest Florida, Bonita Springs, Florida, a de novo 

bank -- report on competitive factors of the proposed purchase of assets and assumption 

of liabilities of the Bonita Springs branch of Southern Community Bank, Orlando.

- Submitted, November 1, 2000 

Atlanta

Woodcreek Bank, Houston, Texas -- report on competitive factors of the proposed 

merger with Dayton State Bank, Dayton.

- Submitted, November 2, 2000 

Dallas

Extensions Of Time

European American Bank, Uniondale, New York -- extension to November 10, 2001, 

to establish a branch at 309-311 Main Street, Huntington.

- Granted, November 2, 2000 

New York

Financial Holding Companies

Citizens Development Company, Billings, Montana -- election to become a financial 

holding company.

- Effective, November 1, 2000 

Secretary

First National Community Bancorp, Dunmore, Pennsylvania -- election to become a 

financial holding company.

- Effective, November 2, 2000 

Philadelphia

Luzerne National Bank Corporation, Luzerne, Pennsylvania -- election to become a 

financial holding company.

- Effective, October 31, 2000 

Philadelphia

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority October 29, 2000 to November 4, 2000

Financial Holding Companies

United Bancorporation, Billings, Montana -- election to become a financial holding 

company.

- Effective, November 1, 2000 

Secretary

(AC) = Addition or Correction Delegated - Page 8 of 8
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, November 4, 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)/3(5) FleetBoston Financial Corporation, Boston, Massachusetts - to

acquire Summit Bancorp., Princeton, New Jersey

Newspaper - 12/03/2000

Fed Reg - 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

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, November 4, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Societe Generale, Paris, France, to establish an agency in

Greenwich, Connecticut.

12/01/2000

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

Type Application

Ending date of

comment period

3(a)(1) The shareholder consortium, which collectively owns 45.25

percent of Bank Hapoalim B.M., Tel Aviv, Israel, to become a

bank holding company as a result of the related proposal by

Bank Hapoalim B.M. to acquire Signature Bank, New York,

New York (in formation).*

Newspaper – N/Avail

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) Mizhuo Holdings, Inc. and The Dai-Ichi Kangyo Bank, Limited,

propose to engage through their subsidiary, The CIT Group,

Inc., its wholly owned subsidiary, Capita Premium Financing

Corporation, and its newly formed subsidiary, Dealerconx, Inc.,

Livingston, New Jersey, which will be a 50 percent owned joint

venture with the Bank of Montreal in making, acquiring,

brokering, and servicing loans, activities relating to extending

credit, leasing personal or real property, and providing data

processing and data processing services.

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

Type Application

4(c)(13) Citigroup Inc, to indirectly acquire Associates Capital

Corporation plc, United Kingdom, and Associates Financial

Services (Asia) Limited, Hong Kong, two foreign banking

subsidiaries of Associates First Capital Corporation, Irving,

Texas.

N/Avail

25A Citibank, N.A., New York, New York & its wholly owned Edge

corporation subsidiary, Citibank Overseas Investment

Corporation, New Castle, Delaware, to make a portfolio

investment on behalf of Citibank Canada, Toronto, Canada, in a

publicly traded company.

N/Avail

3(a)(1)RN Somerset Hills Bancorp, to become a one-bank holding

company with respect to The Bank of the Somerset Hills, both

of Bernardsville, New Jersey.

N/Avail

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, November 4, 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

Member Suburban Community Bank, Feasterville, PA, 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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, November 4, 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

Community

First Bank and

Trust

225 North Main Street,

Celina, Ohio 45822

07/26/2000 10/30/2000 S X

Section VI – CRA examinations scheduled for First Quarter of 2001 (REVISED)

Institution Location

The Croghan Colonial Bank 323 Croghan Street

Fremont, OH 43420-0557

Commercial & Savings Bank 6 W. Jackson Street

Millersburg, OH 44654-1302

Fifth Third Bank 21 East State Street

Columbus, OH 43215

Fifth Third Bank North High Banking Center

511 North High Street

Hillsboro, OH 45133

Fifth Third Bank 110 North Main Street

Dayton, OH 45402

Fifth Third Bank Bancorp

Fifth Third Bank

38 Fountain Square Plaza

Cincinnati, OH 45263
Section VI – CRA examinations scheduled for First Quarter of 2001 (REVISED)

Institution Location

Fifth Third Bank Fifth Third Center

401 South 4th Avenue

Louisville, KY 40202-3411

Fifth Third Bank 8100 Burlington Pike

Florence, KY 41042

Fifth Third Bank 701 E. 83rd Avenue

Merrillville, IN 46410

Fifth Third Bank 4099 Tamiami Trail North

Naples, FL 34101

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, November 4, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Northumberland, Inc., Heathsville, Virginia, to

establish a branch at 437 North Main Street, Kilmarnock,

Virginia.*

Newspaper - 11/10/2000

Branch Rockingham Heritage Bank, Harrisonburg, Virginia, to

establish a branch at 1406 Greenville Avenue, Staunton,

Virginia.*

Newspaper - 11/13/2000

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(1) Innes Street Financial Corporation, Salisbury, North Carolina,

to become a bank holding company through the acquisition of

100% of the voting shares of Citizens Bank, Inc., Salisbury,

North Carolina.*

Fed Reg - 12/01/2000

Newspaper - N/Avail

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, November 4, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch The Peoples Bank & Trust Company, Selma, Alabama, to

establish a branch located at 429 North Dean Street, Auburn,

Alabama.

11/10/2000

18(c) Friendship Community Bank, Ocala, Florida, to merge with

FCB Interim Bank, Ocala, Florida.

12/02/2000

Branch Palm Beach County Bank, Boynton Beach, Florida, to establish

a branch located at 5899 Lake Worth Road, Greenacres, Florida.

11/10/2000

Branch SunTrust Bank, Atlanta, Georgia, to establish a branch located at

Hickory Flat Highway, to be known as the Hickory Flat Village

In-Store Branch.

10/21/2000

Branch SunTrust Bank, Atlanta, Georgia, to establish a branch located at

9645 Belair Road, Perry Hall, Maryland, to be known as the

Perry Hall Safeway Branch.

11/02/2000

Branch SunTrust Bank, Atlanta, Georgia, to establish a branch located at

4701 Sangamore Road, Bethesda, Maryland, to be known as the

Sumner Place Safeway Branch.

11/02/2000

Branch SunTrust Bank, Atlanta, Georgia, to establish a branch located at

Goshen Road and Snouffer School Road, to be known as the

Goshen Oaks Safeway Branch.

11/02/2000

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

Type Application

Ending date of

comment period

3(a)(3) PAB Bankshares, Inc., Valdosta, Georgia, to acquire FCB

Interim Bank, Ocala, Florida.

Newspaper – 12/02/2000

3(a)(3) PAB Bankshares, Inc., Valdosta, Georgia, to acquire Friendship

Community Bank, Ocala, Florida.

Newspaper – 12/02/2000
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, November 4, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Citizens Bank, Flint, Michigan, for prior approval to establish a

branch at Brighton/Riverbend Office Center, 7701 Grand River

Road, Suite #1, Brighton, Michigan.*

Newspaper – 11/15/2000

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Northwest Suburban Bancorp, Inc., Mount Prospect, Illinois, for

prior approval to acquire 100 percent of the voting shares of

Village Bank and Trust, North Barrington, Illinois.*

Fed Reg – 11/27/2000

Newspaper – 11/27/2000

3(a)(3) First Bancorp of Taylorville, Inc., Taylorville, Illinois, for prior

approval to acquire 100 percent of the voting shares of The First

National Bank of Mt. Auburn, Mt. Auburn, Illinois.*

Fed Reg – 11/24/2000

Newspaper – 11/22/2000

3(a)(5) Chemical Financial Corporation, Midland, Michigan, for prior

approval to acquire 100 percent of the voting shares of Shoreline

Financial Corporation, Benton Harbor, Michigan and thereby

indirectly acquire Shoreline Bank, Benton Harbor, Michigan.*

Fed Reg – 12/04/2000

Newspaper – N/Avail

3(a)(3) Capitol Bancorp, Ltd., Lansing, Michigan, for prior approval to

acquire 51 percent of the voting shares of Sunrise Bank of San

Diego (in organization), San Diego, California .*

Fed Reg – 10/12/2000

Newspaper – 10/14/2000

3(a)(3) Sun Community Bancorp Limited, Phoenix, Arizona, for prior

approval to acquire 51 percent of the voting shares of Sunrise

Bank of San Diego (in organization), San Diego, California .*

Fed Reg – 10/12/2000

Newspaper – 10/14/2000

3(a)(3) Sunrise Capital Corporation, Albuquerque, New Mexico, for

prior approval to acquire 51 percent of the voting shares of

Sunrise Bank of San Diego (in organization), San Diego,

California.*

Fed Reg – 10/12/2000

Newspaper – 10/14/2000

* 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) Midwest Banc Holdings, Inc., Melrose Park, Illinois, for prior

approval to acquire indirectly through its subsidiary, Midwest

Financial and Investment Services, Inc., Elmwood Park, Illinois,

the assets of Service 1st Financial Corporation, Elmwood Park,

Illinois, and thereby engage in securities brokerage activities.

Fed Reg – 11/17/2000

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

Type Application

S/R Village Bancorp, Inc., Arlington Heights, Illinois, notification of

intent to redeem up to 600,000 shares of its common stock.

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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, November 4, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, November 4, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Notice by Douglas L. Jilek to acquire control of Prairie

Bancshares, Inc., Lester Prairie, Minnesota.

Fed. Reg. – 11/27/2000

CIC William E. Coffee, individually and as trustee of the following

trusts: Coffee Family Trust I, Coffee Family Trust II, Nefsy

Family Trust I, Nefsy Family Trust II, and Nefsy Family Trust

III, and the following trusts acting in concert, Coffee Family

Trust I, Coffee Family Trust II, Nefsy Family Trust I, and Nefsy

Family Trust III to acquire control of Stockman Financial

Corporation, Miles City, Montana, which controls Stockman

Bank of Montana, Miles City, Montana.

Fed. Reg. – 11/24/2000

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

SMBOTH Security Bank Minnesota, Albert Lea, Minnesota, proposes to

reduce the amount of its capital stock.
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

SRNEW Prairie Bancshares, Inc., Lester Prairie, Minnesota, proposes to

redeem 228 shares (51.7%) of common stock.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

application for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, November 4, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch BancFirst, Oklahoma City, Oklahoma, for prior approval to

establish a branch at 608 S. George Nigh Expressway,

McAlester, Oklahoma.

Newspaper – N/Available

18(c) / Branch Centennial Bank West, Eaton, Colorado for prior approval to

merge with the Eaton, Colorado, branch of Farmers Bank, Ault,

Colorado, and incident thereto, establish a branch.

Newspaper – 11/30/2000

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

Type Application

Ending date of

comment period

3(a)(1) 1

st Financial Bancshares, Inc., Shawnee, Mission, Kansas, for

prior approval to become a bank holding company through the

acquisition of 100 percent of the voting shares of Centerville

State Bank, Centerville, Kansas. In connection with this

application, Meader Insurance Agency, Inc., Wavery, Kansas,

has applied to acquire 13.1 percent of the voting shares of 1st

Financial Bancshares, Inc., Shawnee Mission, Kansas.

FedReg – 11/30/2000

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8)LLEX Wausa Bancshares, Wausa, Nebraska, for prior approval to

acquire 100 percent of KLS Insurance, Bloomfield, Nebraska,

and thereby indirectly engage in general insurance activities.
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, November 4, 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) Southwest Bancorporation of Texas, Inc., Houston, TX, and

Southwest Holding Delaware, Inc., Wilmington, DE, to acquire

Citizens Bankers, Inc., Baytown, TX,

Citizens Bankers of Delaware, Inc., Wilmington, DE,

Citizens Bank and Trust Company of Baytown, Baytown, TX,

Baytown State Bank, Baytown, TX,

Pasadena State Bank, Pasadena, TX, and

First National Bank of Bay City, Bay City, TX*

(previously reported the week ending October 28, 2000)

Fed Reg – 11/20/2000

Newspaper – 11/22/2000

CIC William Elton Kennedy, MerRouge, LA, and William Edward

Pratt, Bastrop, LA, to acquire an interest in

American National Bancshares, Inc., Ruston, LA

Fed Reg – 11/22/2000

Newspaper – 11/18/2000

*Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

S/R Notice by FirstPerryton Bancorp, Inc., Perryton, TX, to

repurchase 1,396 shares of its common stock

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, November 4, 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) UFJ Holdings, Inc., Osaka, Japan, to become a bank holding

company by acquiring The Sanwa Bank, Limited, Osaka, Japan

and The Tokai Bank, Limited, Nagoya, Japan. *

Newspaper - 11/27/2000

Fed Reg - 11/24/2000

* 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

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