Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 2

Week Ending January 8, 2000

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

Forms

Customer Satisfaction Survey of Federal Reserve Bulletin Subscribers (FR 1371) and 

Customer Satisfaction Survey of Publication Subscribers (FR 1372) -- to execute a 

one-time survey.

- Proposed, January 4, 2000 

Interagency Notice of Change in Control (FR2081a), Interagency Notice of Change 

in Director or Senior Executive Officer (FR2081b), and Interagency Biographical 

and Financial Report (FR2081c) -- extension without revision.

- Proposed, January 4, 2000 

The Quinquennial Finance Company Questionnaire and Survey (FR3033 p/s) -- 

extension without revision.

- Proposed, January 4, 2000 

Report of Medium Term Note Issuance (FR2600) -- discontinuation of a survey.

- Proposed, January 4, 2000 

Survey of Terms of Bank Lending (FR 2028A, B, and S) -- extension without 

revision.

- Proposed, January 3, 2000 

Suspicious Activity Report (FR 2230) -- extension with revisions.

- Approved, January 3, 2000 

Weekly Report of Eurodollar Liabilities Held by Selected U.S. Addresses at Foreign 

Offices of U.S. Banks (FR2050) -- extension with revisions.

- Approved, January 4, 2000 

Regulations And Policies

Regulations H and Y -- proposed rule to amend the risk-based capital standards for 

recourse obligations, direct credit substitutes, and asset- and mortgage-backed 

securities (Docket No. R-1055).

- Proposed, January 5, 2000 

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

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Family Security Bank, Harbor, Oregon -- to establish a branch at 855 Railroad 

Avenue, Brookings.

- Approved, January 4, 2000 

San Francisco

Fifth Third Bank of Western Ohio, Dayton -- to establish a branch at 6020 

Chambersburg Road, Huber Heights.

- Approved, January 6, 2000 

Cleveland

Old Kent Bank, Grand Rapids, Michigan -- to establish a branch at 700 North 

Avenue, Battle Creek.

- Approved, January 6, 2000 

Chicago

Bank Holding Companies

Adam Corporation/Group, Bryan, Texas; TAC Financial Corporation, Dover, 

Delaware; and First American Bank Texas, SSB, Bryan, Texas -- waiver of 

notification requirement to acquire Burkburnett Bancshares, Inc., Burkburnett, 

Texas; Burkburnett Financial Corporation, Dover, Delaware; and The Burkburnett 

Bank, Burkburnett, Texas.

- Granted, January 3, 2000 

Dallas

ASB Management Corp., Anna, Illinois -- to become a bank holding company 

through the acquisition of Anna State Bank.

- Approved, January 7, 2000 

St. Louis

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

Bank Holding Companies

The Bank of New York Company, Inc., New York, New York, and others -- to 

acquire, through NYCE Corporation, Woodcliff Lake, New Jersey, shares of Card 

Alert Services, Inc., Arlington, Virginia, and thereby engage in data processing and 

data transmission activities.

- Approved, January 5, 2000 

Secretary

Bar Harbor Bankshares, Bar Harbor, Maine -- to engage in securities brokerage, 

riskless principal, and private placement activities through the acquisition of Dirigo 

Investments, Inc.; to provide trust services through the acquisition of the trust 

business of Bankshares' subsidiary bank; and to engage de novo in investment 

advisory activities.

- Approved, January 3, 2000 

Boston

Baytree Bancorp, Inc., Chicago, Illinois -- to become a bank holding company 

through the acquisition of Baytree National Bank & Trust Company, a de novo bank.

- Withdrawn, January 3, 2000 

Chicago

Century South Banks, Inc., Dahlonega, Georgia -- to acquire Haywood Bancshares, 

Inc., Waynesville, North Carolina, and Haywood Savings Bank, Inc., SSB, and 

thereby engage in operating a savings association.

- Approved, December 31, 1999 (AC)

Atlanta

Concord EFS, Inc., Memphis, Tennessee -- waiver of notification in connection with 

the proposed acquisition of Virtual Cyber Systems, Inc., Tempe, Arizona, by 

Concord's subsidiary bank, EFS National Bank, Memphis.

- Granted, January 3, 2000 

St. Louis

Dacotah Banks, Inc., Aberdeen, South Dakota -- to acquire Rolla Holding Company, 

Inc., Rolla, North Dakota, and its subsidiary banks, First State Bank of Rolla and 

First National Bank of Hettinger, Hettinger.

- Granted, January 6, 2000 

Minneapolis

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

Bank Holding Companies

First Banks, Inc., St. Louis, Missouri, and First Banks America, Inc. -- to acquire 

Lippo Bank, San Francisco, California.

- Approved, January 5, 2000 

St. Louis

First National Bancshares, Inc., Spartanburg, South Carolina -- to become a bank 

holding company through the acquisition of First National Bank of Spartanburg.

- Approved, January 6, 2000 

Richmond

Gold Banc Corporation, Leawood, Kansas, and Gold Banc Acquisition Corporation 

XII, Inc. -- to acquire CountryBanc Holding Company, Edmond, Oklahoma, and 

thereby acquire People First Bank, Hennessey; and American Heritage Bank, El 

Reno; and People First Bank, Elkhart, Kansas.

- Withdrawn, January 6, 2000 

Kansas City

Grand Valley Corporation, Grand Junction, Colorado -- to acquire shares of Heber 

Valley National Bank, Heber City, Utah, a de novo bank.

- Approved, January 6, 2000 

Kansas City

Gwinnett Commercial Group, Inc., Lawrenceville, Georgia -- to become a bank 

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

- Approved, January 4, 2000 

Atlanta

Harleysville Savings Financial Corporation, Harleysville, Pennsylvania -- to become a 

bank holding company through the acquisition of Harleysville Savings Bank.

- Approved, January 6, 2000 

Philadelphia

The Leaders Group, Inc., Oak Brook, Illinois -- to become a bank holding company 

through the acquisition of The Leaders Bank, a de novo bank.

- Returned, January 5, 2000 

Chicago

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

Bank Holding Companies

Oak Financial, Inc., Madison, Wisconsin -- to become a bank holding company 

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

- Approved, January 6, 2000 

Chicago

Sacramento Capital Co., Sacramento, California -- to become a bank holding 

company through the acquisition of Sacramento Commercial Bank, and for 

Belvedere Capital Partners LLC, San Francisco, and California Community Financial 

Institutions Fund Limited Partnership to acquire Sacramento Commercial Bank 

through Sacramento Capital Co.

- Approved, January 3, 2000 

San Francisco

Stichting Priorteit ABN AMRO Holding, Amsterdam, Stichting 

Administratiekantoor ABN AMRO Holding, ABN AMRO Holding N.V., and ABN 

AMRO Bank N.V., all in Amsterdam, The Netherlands, and ABN AMRO North 

America, Inc., Chicago, Illinois -- to acquire Atlantic Mortgage & Investment 

Corporation, Jacksonville, Florida, and thereby engage in making and servicing loans.

- Approved, January 3, 2000 

Chicago

Wachovia Corporation, Winston-Salem, North Carolina -- to merge with B C 

Bankshares, Inc., Canton, Georgia, and thereby acquire Bank of Canton.

- Approved, January 3, 2000 

Secretary

Banks, Foreign

Bayerische Hypo-Und Vereinsbank AG, Munich, Germany -- to invest in Babcock & 

Brown LP, San Francisco, California; Babcock, Brown Operating Partnership LP; 

and Babcock & Brown Investment Management Partners LP; and thereby engage in 

lending and equity financing services, leasing, financial and investment advisory 

services, securities brokerage, private placement and other agency transactional 

services, and management consulting services.

- Approved, January 7, 2000 

New York

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

Banks, Nonmember, And Miscellaneous Institutions

First State Bank of Rushmore KSOP Plan and Trust, Worthington, Minnesota -- to 

acquire additional shares of First Rushmore Bancorporation, Inc.

- Approved, January 7, 2000 

Minneapolis

Tri County Investment Company, Inc., Pine Island, Minnesota -- to engage in 

insurance agency activities in a town with a population less than 5,000 through the 

acquisition of the Duane Klingsporn Insurance Agency.

- Approved, January 7, 2000 

Minneapolis

Banks, State Member

United States Trust Company of New York, New York, New York -- to purchase 

the assets and assume the liabilities of the branch of U.S. Trust Company of New 

Jersey at 499 Washington Boulevard, Jersey City, New Jersey.

- Approved, January 6, 2000 

New York

Change In Bank Control

Fairport Bancshares, Inc., Fairport, Missouri -- change in bank control.

- Permitted, January 4, 2000 

Kansas City

FMB, Ltd., Monticello, Florida, and other individuals and limited partners -- to retain 

shares of FMB Banking Corporation.

- Returned, January 5, 2000 

Atlanta

Lakeside Bancshares, Inc., Hughes, Arkansas -- change in bank control.

- Permitted, January 3, 2000 

St. Louis

Republic Bancorp Co., Orland Park, Illinois -- change in bank control.

- Permitted, January 4, 2000 

Chicago

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

Competitive Factors Reports

Community National Bank, Midland, Texas -- report on competitive factors of the 

proposed merger with New Bank, National Association, an interim bank.

- Submitted, January 5, 2000 

Dallas

First American Bank Texas, SSB, Bryan, Texas -- report on competitive factors of 

the proposed merger with The Burkburnett Bank, Burkburnett.

- Submitted, January 5, 2000 

Dallas

First National Bank, Mexia, Texas -- report on competitive factors of the proposed 

acquisition of the branch of Signature Bank, Dallas, at 123 Bell Street, Coolidge.

- Submitted, January 7, 2000 

Dallas

First State Bank, Kosse, Texas -- report on competitive factors of the proposed 

acquisition of a branch from First State Bank, Keene.

- Submitted, January 5, 2000 

Dallas

Korea First Bank of New York, New York, New York -- report on competitive 

factors of the proposed merger with Nara Bank, N.A., Los Angeles, California.

- Submitted, January 5, 2000 

San Francisco

Extensions Of Time

Castle Creek Capital Partners Fund IIa, LP, Rancho Santa Fe, California, and Castle 

Creek Capital Partners Fund IIb, LP -- extension to April 1, 2000, to acquire shares 

of State National Bancshares, Inc., Lubbock, Texas, and for Eggemeyer Advisory 

Corp., WJR Corp., and Castle Creek Capital LLC, all in Rancho Sante Fe, to acquire 

shares of State National Bancshares, Inc.

- Granted, January 6, 2000 

San Francisco

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

Extensions Of Time

Colonial Bank, Montgomery, Alabama -- extension to January 6, 2001, to establish a 

branch at 2055 Cherokee Road, Alexander City.

- Granted, January 6, 2000 

Atlanta

Cumberland Bancorp, Inc., Nashville, Tennessee -- extension to April 7, 2000, to 

acquire The Bank of Mason, Mason.

- Granted, January 6, 2000 

Atlanta

First Southern Bank, Boca Raton, Florida -- extension to January 6, 2001, to 

establish a branch at 801 US Highway One, North Palm Beach, Florida.

- Granted, January 6, 2000 

Atlanta

WCB Holding Company of Illinois, Inc., Geneva, Illinois -- extension to April 7, 

2000, to become a bank holding company through the acquisition of Winfield 

Community Bank, Winfield, a de novo bank.

- Granted, January 6, 2000 

Chicago

International Operations

Chase Manhattan Corporation, New York, New York -- waiver of remainder of 

notification period for investment in TIW Czech N.V., Rotterdam, The Netherlands.

- Granted, January 5, 2000 

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 8, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

1828 (c) Merrill Merchants Bank, Bangor, Maine - office of The First

National Bank of Bar Harbor, Bar Harbor, Maine

Newspaper-02/07/2000

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 8, 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

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

establish a federally licensed uninsured branch in Greenwich,

Connecticut.

Newspaper – N/Avail

Branch European American Bank, New York, New York, to open a

branch at 326-328 Court Street, Brooklyn, New York.*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) 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 – 01/10/2000
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) U.S. Trust Corporation, New York, New York, and U.S. Trust

Company of North Carolina, Greensboro, North Carolina, (i)

NCT Holdings, Inc., Greensboro, North Carolina, to become a

bank holding company, with respect to its wholly-owned

subsidiary, U.S. Trust Company of North Carolina, Greensboro,

North Carolina; (ii) U.S. Trust Corporation, New York , New

York, to acquire shares of Bank and (iii) NCT to retain

ownership of its wholly-owned subsidiary, NCT Opportunities

Inc., Greensboro, North Carolina, and thereby engage in certain

nonbanking activities.*

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1) Greenwich Bank & Trust Company, The, Greenwich,

Connecticut, to become bank holding company with respect to

The Greenwich Bank and Trust Company, Greenwich,

Connecticut, and Westport National Bank, Westport,

Connecticut.*

Newspaper – 12/31/1999

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) UBS AG, Zurich, Switzerland, to acquire through its wholly

owned indirect subsidiary North Street Finance LLC, New York,

New York, 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) Deutsche Bank AG, Frankfurt, Germany, to acquire Keyboard

Acceptance Corporation, and Signature Leasing Company, both

Mason, Ohio, and thereby engage in extending credit and

servicing loans, and activities related to extending credit and

leasing of personal or real property.

Fed Reg – 01/21/2000

4(c)(8) Berkshire Bancorp Inc., New York, New York, to acquire 24.9

percent of Madison Merchant Services, Inc., and thereby engage

in credit card authorizatioin and credit card processing.

Fed Reg – 01/21/2000

4(c)(8) Arab Banking Corporation (B.S.C.), Manama, Bahrain

(“ABC”), to engage de novo through ABC Capital, Inc., in

making and servicing loans, including the acquisition of loans

from ABC.

Fed Reg – 01/21/2000

4(c)(8) Deutsche Bank AG, Frankfurt, Germany, through its subsidiary,

German American Capital Corporation, to acquire InterSec

Research Corporation, Stamford, Connecticut, and thereby

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

Type Application

Ending date of

comment period

engage in data processing providing performance measurement

services for pension funds through databases and the internet,

selling proprietary portfolio accounting software, providing

investment management research and consulting services, and

pension fun consulting services.

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 8, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Received notice from Fifth Third Bank of Western Ohio,

Dayton,OH on 01/06/2000 of its intent to establish a branch at

6020 Chambersburg Road, Huber Heights, OH.

12/30/1999

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

117216 Commerce Exchange Bank

25201 Chagrin Boulevard

Beachwood, OH 44122-5651

10/26/1999 01/04/2000 S X

2668598 Portage Community Bank

1311 East Main Street

Ravenna, OH 44266

10/12/1999 01/06/2000 S X

612618 Provident Bank

1 East Fourth Street

Cincinnati, OH 45202

07/12/1999 01/07/2000 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 8, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

a branch at 823 South Main Street, Kernersville, North

Carolina.*

Newspaper - 01/18/2000

*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

933425 Farmers Bank of Maryland

5 Church Street

Annapolis, Maryland 21401-1926

06/21/1999 01/02/2000 S X

1017528 First Virginia Bank-Mountain Empire

498 Cummings Street

Abingdon, Virginia 24210

06/21/1999 01/02/2000 S X

288329 First Virginia Bank-Southwest

601 South Jefferson Street

Roanoke, Virginia 24011

06/21/1999 01/02/2000 S X

223322 The First Bank and Trust Company

236 West Main Street

Lebanon, Virginia 24266-9705

10/18/1999 01/02/2000 S X

781028 Bank of Essex

323 Prince Street

Tappahannock, Virginia 22560

10/18/1999 01/05/2000 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, January 8, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Columbia Bank, Tampa, Florida, to establish a branch located at

153 Treasure Island Causeway, Treasure Island, Florida.

01/17/2000*

FBSEA Banco Venezolano de Credito, S.A.C.A., Caracas, Venezuela, to

establish an international representative office to be located in

Miami, Florida.

N/Avail*

*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

3(a)(1) Centerstate Banks of Florida, Inc., Winter Haven, Florida, to

become a bank holding company by acquiring First National

Bank of Osceola County, Kissimmee, Florida.

01/21/2000

3(a)(1) Centerstate Banks of Florida, Inc., Winter Haven, Florida, to

become a bank holding company by acquiring Community

National Bank of Pasco County, Zephyrhills, Florida.

01/21/2000

3(a)(1) Centerstate Banks of Florida, Inc., Winter Haven, Florida, to

become a bank holding company by acquiring First National

Bank of Polk County, Winter Haven, Florida.

01/21/2000

3(a)(1) NBG Bancorp, Inc., Athens, Georgia, to become a bank holding

company by acquiring The National Bank of Georgia, Athens,

Georgia (in organization).

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.

01/24/2000
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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.

01/24/2000

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

Type Application

COM Appalachian Bancshares, Inc., Ellijay, Georgia, commitment

waiver request.

4(c)(8) Exchange Bankshares, Inc., Milledgeville, Georgia, to acquire

Exchange Insurance Agency, Inc., Gray, Georgia, and thereby

engage in insurance agency activities.

COM P.C.B. Bancorp, Inc., Johnson City, Tennessee, commitment

waiver request.

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

14931 1

st Western Bank

5854 S. Flamingo Road

Cooper City, Florida 33330

(954) 434-7600

09/20/1999 01/03/2000 S X

1407521 Bank of Nashville

Post Office Drawer 198986

Nashville, Tennessee 37219

(615) 271-2000

09/20/1999 01/03/2000 S X

931636 Gulf Bank

3400 Coral Way

Miami, Florida 33145

(305) 443-4853

09/20/1999 01/05/2000 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 8, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Old Kent Bank

Grand Rapids, Michigan

 700 North Avenue

 Battle Creek, Michigan

Newspaper – 12/24/1999

Branch Tower Bank & Trust Company

Fort Wayne, Indiana

 1545 West DuPont Road

 Des Moines, Iowa

Newspaper – 12/24/1999

Branch First Bank of Berne

Berne, Indiana

 185 Industrial Drive

 Portland, Indiana

Newspaper – 01/15/2000

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

Type Application

Ending date of

comment period

CIC FM Bancorp, Inc.

Paxton, Illinois

 By Judkins Enterprises, L.P. and Susan Jane McCabe

Fed Reg – 01/26/2000

Newspaper – N/Avail

3(a)(3) Capitol Bancorp, Ltd.*

Lansing, Michigan

 Sunrise Bank of Albuquerque (in organization)

 Albuquerque, New Mexico

Fed Reg – 11/15/1999

Newspaper – 11/15/1999

3(a)(3) Sun Community Bancorp Limited*

Phoenix, Arizona

 Sunrise Bank of Albuquerque (in organization)

 Albuquerque, New Mexico

Fed Reg – 11/15/1999

Newspaper – 11/15/1999

3(a)(3) Sunrise Capital Corporation*

Phoenix, Arizona

 Sunrise Bank of Albuquerque (in organization)

 Albuquerque, New Mexico

Fed Reg – 11/15/1999

Newspaper – 11/15/1999
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 – 01/31/2000

3(a)(1) Iowa State Financial Services Corporation*

Fairfield, Iowa

 Iowa State Bank and Trust Company

 Fairfield, Iowa

Fed Reg – 12/13/1999

Newspaper – 12/16/1999

3(a)(3) Iowa State Financial Services Corporation*

Fairfield, Iowa

 North Linn Corporation

 Coggon, Iowa

 Linn County State Bank

 Coggon, Iowa

Fed Reg – 12/13/1999

Newspaper – 12/16/1999

* 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

 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

991340 1

st Source Bank

100 N. Michigan

South Bend, Indiana

(219) 235-2200

05/24/1999 01/03/2000 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

630041 The First State Bank of Dongola

Dongola, Illinois

10/4/1999 1/7/2000 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location
District 9

Federal Reserve Bank of Minneapolis

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) & BKBR Ravalli County Bank, Hamilton, Montana, to purchase certain

assets and assume certain liabilities of the Hamilton, Montana

branch of Glacier Bank, Kalispell, Montana, and incident thereto

establish a branch.

02/10/2000

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

600651 American State Bank of Pierre

Pierre, South Dakota

09/20/1999 01/06/2000 O 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 8, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch / 18(c) Gold Bank, Leawood, Kansas, to merge with First Business

Bank of Kansas City, N.A., Kansas City, Missouri, and to

establish a branch at 800 W. 47th Street, Kansas City, Missouri.

Newspaper – N/Available

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

Type Application

Ending date of

comment period

3(a)(3) / 3(a)(1) Gold Banc Corporation, Leawood, Kansas and Gold Banc

Acquisition Corporation XII, Inc., Leawood, Kansas, for prior

approval to acquire Country Bancshares, Inc., Edmond,

Oklahoma, and thereby indirectly acquire People First Bank,

Hennessy, Oklahoma, People First Bank, Elkhart, Kansas, and

American Heritage Bank, El Reno, Oklahoma.

Newspaper – 02/04/2000

FedReg – 01/10/2000

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

463351 Olathe State Bank

Olathe, Colorado

10/04/1999 1/03/2000 S X

662350 Wahoo State Bank

Wahoo, Nebraska

10/12/1999 01/05/2000 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 8, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Mesquite Financial Service, Alice, TX, to acquire

Falfurrias State Bank, Falfurrias, TX*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(1) Midland Bancshares, Inc., Midland, TX, to acquire

Community National Bank, Midland, TX*

Fed Reg – N/Avail

Newspaper – N/Avail

*Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Hanmi Bank, Los Angeles, California, to establish a branch

office at 4637 Convoy Street, San Diego, California. *

Newspaper - 01/13/2000

* 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

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