Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 18

Week Ending April 29, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions April 23, 2000 to April 29, 2000

Bank Holding Companies

Peoples Heritage Financial Group, Inc., Portland, Maine -- to acquire Banknorth 

Group, Inc., Burlington, Vermont, its subsidiary banks and nonbanking trust 

company.

- Approved, April 24, 2000 

Regulations And Policies

Policy Statement on Payments System Risk -- modifications to daylight overdraft 

posting rules.

- Approved, April 27, 2000 

(AC) = Addition or Correction Board - Page 1 of 1
April 23, 2000 to April 29, 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 Bank at Broadmoor, Colorado Springs, Colorado -- to establish a branch near 

Briargate Parkway and Chapel Hills Drive.

- Approved, April 25, 2000 (AC)

Kansas City

The Bank of Casa Grande Valley, Casa Grande, Arizona -- to establish a branch at 

205 Frontage Road, Sunsites Pearce.

- Approved, April 28, 2000 

San Francisco

Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 444 King 

Street, Charleston, South Carolina.

- Approved, April 25, 2000 

Secretary

Clemson Bank & Trust, Clemson, South Carolina -- to operate a mobile branch for 

business customers in the cities of Central, Six Mile, Seneca, Fair Play, and Clemson 

and the counties of Pickens, Oconee, and Anderson.

- Approved, April 26, 2000 

Richmond

First Interstate Bank, Billings, Montana -- to establish branches at 2023 Burke 

Street, Bozeman, and 3401 North Montana Avenue, Helena.

- Approved, April 25, 2000 

Minneapolis

First Interstate Bank, Billings, Montana -- to establish branches at 701 Smelter 

Avenue, North East, Great Falls, and 2525 King Avenue West, Billings,

- Approved, April 26, 2000 

Minneapolis

First Interstate Bank, Billings, Montana -- to establish a branch at 2750 Prospect 

Avenue, Helena.

- Approved, April 27, 2000 

Minneapolis

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority April 23, 2000 to April 29, 2000

Bank Branches, Domestic

Old Kent Bank, Grand Rapids, Michigan -- to establish a branch at 1520 North 

Woodward Avenue, Bloomfield Hills.

- Approved, April 24, 2000 

Chicago

SunTrust Bank, Atlanta, Georgia -- to establish branches at 360 Charles Dimmock 

Parkway, Colonial Heights, Virginia, and 4095 Sugarloaf Parkway, Lawrenceville, 

Georgia.

- Approved, April 26, 2000 

Atlanta

Bank Holding Companies

American Community Bancshares, Inc., Monroe, North Carolina -- to become a bank 

holding company through the acquisition of American Community Bank.

- Approved, April 25, 2000 

Richmond

The Charles Schwab Corporation, San Francisco, California -- commenter's request 

to extend the public comment period on the proposed acquisition of U.S. Trust 

Corporation, New York, New York.

- Denied, April 24, 2000 

Secretary

Corpus Christi Bancshares, Inc., Corpus Christi, Texas -- to become a bank holding 

company through the acquisition of The First State Bank, Bishop.

- Approved, April 28, 2000 

Dallas

Eastern Virginia Bankshares, Inc., Tappahannock, Virginia -- to acquire Hanover 

Bank, Mechanicsville, a de novo bank, and for Hanover Bank to become a member 

of the Federal Reserve System and acquire the assets and assume the liabilities of the 

Mechanicsville branch of Southside Bank, Tappahannock.

- Approved, April 27, 2000 

Richmond

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority April 23, 2000 to April 29, 2000

Bank Holding Companies

FCB Bancorp, Inc., Louisville, Kentucky -- to become a bank holding company 

through the acquisition of The First Capital Bank of Kentucky.

- Approved, April 26, 2000 

St. Louis

First Security Bancorp, Inc., Lexington, Kentucky -- to acquire First Security Bank 

of Lexington, Inc.

- Approved, April 26, 2000 (AC)

Cleveland

First Security Group, Inc., Deer Lodge, Montana -- to become a bank holding 

company through the acquisition of shares of First Security Bank of Deer Lodge.

- Approved, April 25, 2000 

Minneapolis

Firstbank Corporation, Alma, Michigan -- to acquire Gladwin Land Company, Inc., 

Gladwin, and thereby engage in residential and commercial real estate appraisal 

services and provide administrative real estate settlement services.

- Approved, April 28, 2000 

Chicago

FleetBoston Corporation, Boston, Massachusetts -- commenter's request to extend 

the period to receive his comments on the proposed acquisition of shares of North 

Fork Bancorporation, Inc., Melville, New York.

- Approved, April 28, 2000 

Secretary

Futurus Financial Services, Inc., Roswell, Georgia -- to become a bank holding 

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

- Approved, April 28, 2000 

Atlanta

Hanmi Financial Corporation, Los Angeles, California -- to become a bank holding 

company through the acquisition of Hanmi Bank.

- Approved, April 25, 2000 

San Francisco

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority April 23, 2000 to April 29, 2000

Bank Holding Companies

North Fork Bancorporation, Inc., Melville, New York -- commenter's request to 

extend the public comment period on the proposed acquisition of Dime Bancorp, 

Inc., New York.

- Denied, April 27, 2000 

Secretary

Regent Bancorp, Inc., Davie, Florida -- to become a bank holding company through 

the acquisition of Regent Bank.

- Approved, April 28, 2000 

Atlanta

Banks, State Member

The Community State Bank, Poteau, Oklahoma -- to merge with First State Bank, 

Wister, and establish additional branches.

- Approved, April 24, 2000 

Kansas City

Effingham State Bank, Effingham, Illinois -- to redeem shares and pay dividends.

- Approved, April 26, 2000 

St. Louis

Flora Bank & Trust, Flora, Illinois -- to retain branches at 131 West North Avenue 

and 911 Stacy Burk Drive.

- Approved, April 28, 2000 

St. Louis

Change In Bank Control

Citizens Commerce Corporation, Ardmore, Oklahoma -- change in bank control.

- Permitted, April 24, 2000 

Kansas City

DFC Acquisition Corporation Two, Kansas City, Missouri, and Dickinson Financial 

Corporation -- change in bank control.

- Permitted, April 24, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority April 23, 2000 to April 29, 2000

Change In Bank Control

First National Agency, Cimarron, Kansas -- change in bank control.

- Permitted, April 25, 2000 

Kansas City

New Century Bancorp, Inc., Southfield, Michigan -- change in bank control.

- Permitted, April 26, 2000 

Chicago

Plainville Bancshares, Inc., Plainville, Kansas -- change in bank control.

- Permitted, April 28, 2000 

Kansas City

River Valley Bancorp, Inc., Eldridge, Iowa -- change in bank control.

- Permitted, April 21, 2000 (AC)

Chicago

Security State Bank Holding Company, New Rockford, North Dakota -- change in 

bank control.

- Permitted, April 26, 2000 

Minneapolis

Competitive Factors Reports

The Berlin City Bank, Berlin, New Hampshire -- report on competitive factors of the 

proposed acquisition of a branch of Bank of New Hampshire, Manchester.

- Submitted, April 17, 2000 (AC)

Boston

Cornerbank, N.A., Winfield, Kansas -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of the Wellington branch of 

Commercial Federal Bank, FSB, Omaha, Nebraska.

- Submitted, April 27, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority April 23, 2000 to April 29, 2000

Competitive Factors Reports

First National Bank, Creede, Colorado -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Creede branch of 

First National Bank of Lake City and Creede, Lake City.

- Submitted, April 28, 2000 

Kansas City

First United Bank, Dimmitt, Texas -- report on competitive factors of the proposed 

merger with First National Bank, Sudan.

- Submitted, April 24, 2000 

Dallas

First-Citizens Bank and Trust Company of South Carolina, Columbia, South 

Carolina -- report on competitive factors of the proposed purchase of certain assets 

and assumption of deposit liabilities of the Nichols branch of The Anchor Bank, 

Myrtle Beach.

- Submitted, April 25, 2000 

Richmond

Missouri Bank and Trust Company of Kansas, Kansas City, Missouri -- report on 

competitive factors of the proposed merger with The State Bank of Lancaster, 

Lancaster, Kansas.

- Submitted, April 28, 2000 

Kansas City

Security National Bank, Manhattan, Kansas -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Osage City and 

Wamego branches of Commercial Federal Bank, FSB, Omaha, Nebraska.

- Submitted, April 28, 2000 

Kansas City

Sound Federal Bancorp, Mamaroneck, New York, and Sound Federal MHC -- 

report on competitive factors of the proposed acquisition of Peekskill Financial 

Corporation, Peekskill, and First Federal Savings Bank.

- Submitted, April 27, 2000 

New York

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority April 23, 2000 to April 29, 2000

Competitive Factors Reports

TeamBank, N.A., Freeman, Missouri -- report on competitive factors of the 

proposed merger with First National Bank and Trust Co., Parsons, Kansas.

- Submitted, April 27, 2000 

Kansas City

Extensions Of Time

Centerstate Banks of Florida, Inc., Winter Haven, Florida -- extension to July 28, 

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

Bank of Polk County; First National Bank of Osceola County, Kissimmee; and 

Community National Bank of Pasco County, Zephyrhills.

- Granted, April 26, 2000 

Atlanta

The Chase Manhattan Bank, New York, New York -- extension to October 31, 

2000, to continue to provide telecommunications services for De Santis Capital 

Management, L.P.

- Granted, April 11, 2000 (AC)

New York

Citrus Financial Services, Inc., Vero Beach, Florida -- extension to July 13, 2000, for 

the proposed acquisition of The Commercial Bank of Highlands County, N.A., 

Sebring.

- Granted, April 11, 2000 (AC)

Atlanta

NCT Holdings, Inc., Greensboro, North Carolina -- extension to July 20, 2000, to 

become a bank holding company with respect to its subsidiary, U.S. Trust Company 

of North Carolina, in connection with its conversion to a bank; U.S. Trust 

Corporation, New York, New York, to acquire shares of U.S. Trust Company of 

North Carolina; and NCT Holdings, Inc. to retain ownership of its subsidiary, NCT 

Opportunities Inc., Greensboro, and thereby engage in certain nonbanking activities.

- Granted, April 19, 2000 (AC)

New York

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority April 23, 2000 to April 29, 2000

Extensions Of Time

Santa Lucia Bank, Atascadero, California -- extension to May 21, 2001, to reduce its 

capital stock.

- Granted, April 24, 2000 

San Francisco

Financial Holding Companies

Security Bancshares Company, Glencoe, Minnesota -- to become a financial holding 

company.

- Approved, April 28, 2000 

Minneapolis

Stephenson National Bancorp, Inc., Marinette, Wisconsin -- to become a financial 

holding company.

- Approved, April 26, 2000 

Chicago

International Operations

NationsBank Overseas Corporation, Charlotte, North Carolina -- to amend its 

Articles of Association.

- Approved, April 25, 2000 

Richmond

Membership

Arvest Bank, Rogers, Arkansas -- to become a member of the Federal Reserve 

System after conversion to a state chartered bank and to retain its branches.

- Approved, April 28, 2000 

St. Louis

(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, April 29, 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, April 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

representative office in New York, New York.

Newspaper – N/Avail

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

representative office in Miami, Florida.

Newspaper – N/Avail

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

establish a federally licensed uninsured branch in Greenwich,

Connecticut.

Newspaper – N/Avail

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

a representative office in New York, New York.

Newspaper – N/Avail

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

office in Miami, Florida.

Newspaper – N/Avail

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

branch office in New York, New York.

Newspaper – N/Avail

Branch Chase Manhattan Bank, New York, New York, to establish a

branch office located at 1511 Straight Path, Wyandanch, New

York.*

Newspaper – 05/26/2000

* 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
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, April 29, 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, April 29, 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

618423 Security Dollar Bank

One South Main Street

Niles, OH 44446

02/07/2000 04/27/2000 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, April 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Clarke County, Berryville, Virginia, to establish a

branch at 190 Campus Boulevard, Suite 120, Winchester,

Virginia.*

Newspaper – 05/15/2000

*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)(1) CommerceFirst Bancorp, Inc., Annapolis, Maryland, to

become a bank holding company through the acquisition

of 100% of the voting shares of CommerceFirst Bank (in

organization), Annapolis, Maryland.*

Fed Reg – 05/26/2000

Newspaper – 05/20/2000

*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

Membership CommerceFirst Bank (in organization), Annapolis, Maryland,

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

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

829032 Barbour County Bank

107 Pike Street

Philippi, West Virginia 26416

02/14/2000 04/28/2000 NI 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, April 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

branch located at 5791-5793 Manatee Avenue, Suites 13 and 14,

Bradenton, Florida.

05/02/2000*

*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) Speed Bankshares, L.P., Meridian, Mississippi, to become a

bank holding company by acquiring approximately 51 percent of

Great Southern Capital Corporation, and its subsidiary, Great

Southern National Bank, both of Meridian, Mississippi.

Fed Reg – 05/26/2000*

3(a)(1) Quitman Management Corporation, Meridian, Mississippi, to

become a bank holding company by acquiring approximately 51

percent of Great Southern Capital Corporation, and its

subsidiary, Great Southern National Bank, both of Meridian,

Mississippi.

Fed Reg – 05/26/2000*

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

COM Coast Community Bancshares, Inc., Biloxi, Mississippi,

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.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, April 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch F&M Bank-Wisconsin, Kaukauna, Wisconsin, for prior approval

to establish a branch office at N56 W16949 Ridgewood Drive,

Menomonee Falls, Wisconsin*

Newspaper - 05/22/2000

* 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) Mahaska Investment Company ESOP, Oskaloosa, Iowa, for

prior approval to acquire an additional 87,500 shares of stock of

Mahaska Investment Company and thereby increase its

ownership to 11.58 percent.*

Fed Reg – 05/26/2000

Newspaper – 05/21/2000

3(a)(3) Landmark Financial Group, Inc., Belvidere, Illinois, for prior

approval to acquire 100 percent of the voting shares of Leland

National Bancorp, Inc., Leland, Illinois and thereby indirectly

acquire LNB National Bank, Leland, Illinois.*

Fed Reg - 05/26/2000

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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, April 29, 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) Notice by Enterbank Holdings, Inc., Clayton, Missouri, to

acquire Commercial Guaranty Bancshares, Inc., Overland Park,

Kansas. (A companion Section 4(c)(8) notice accompanies this

notice.) (Previously reported during the week ending April 22,

2000.)*

Newspaper – 5/26/2000

Fed Reg – 5/262000

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

Tennessee, to acquire CCB Financial Corporation, Durham,

North Carolina. (Previously reported during the week ending

April 22, 2000.)*

Newspaper – 5/22/2000

Fed Reg – 5/23/2000

CIC Notice involving First Community Bancshares, Inc., Batesville,

Arkansas, by Milford N. Osborne, Texarkana, Arkansas, to

individually acquire up to 12.63 percent of the outstanding

voting shares; and for a family control group consisting of

Milford N. and Edith Osborne, Texarkana, Arkansas, and

Richard and Sheila Wagnon, Batesville, Arkansas, to acquire up

to an aggregate 15.38 percent of the outstanding voting shares.

Newspaper – N/Avail.

Fed Reg – 5/19/2000

3(a)(3) Notice by First Banks, Inc., St. Louis, Missouri, to acquire Bank

of Ventura, Ventura, California.*

Newspaper – 5/26/2000

Fed Reg – 5/30/2000

* 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 Enterbank Holdings, Inc., Clayton, Missouri, to

acquire Commercial Guaranty Bancshares, Inc., Overland Park,

Kansas, and its nonbank subsidiary, The Capital Company,

Overland Park, Kansas, and thereby indirectly engage in

financial and investment advisory activities, private placement

services, and management consulting and counseling activities.

(A companion Section 3(a)(3) notice accompanies this notice.)

(Previously reported during the week ending April 22, 2000.)

5/26/2000

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

Type Application

Member Notice by First National Bank and Trust Company, Rogers,

Arkansas, to become a state chartered member of the Federal

Reserve System. In connection with this transaction the bank

was renamed Arvest Bank.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None
Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, April 29, 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) NASB Shares, Inc., Belgrade, Minnesota, for prior approval to

become a bank holding company through the acquisition of

100% of the voting shares of North American State Bank,

Belgrade, Minnesota.*

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

4c8LLE Ellingson Corporation, Kenyon, Minnesota, to engage in general

insurance agency activities in a place with a population not

exceeding 5,000 through the acquisition of the Peterson

Insurance Agency, Kenyon, Minnesota.

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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, April 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) / Branch WestStar Bank, Vail, Colorado, to merge with United Valley

Bank, Estes Park, Colorado, and incident thereto, to establish an

additional branch.

Newspaper - N/Avail

18(c) / Branch Bank of Colorado, Fort Lupton, Colorado, to purchase the assets

and assume the liabilities of Park National Bank, Estes Park,

Colorado, and incident thereto, to establish an additional branch.

Newspaper - N/Avail

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

Type Application

Ending date of

comment period

3(a)(1) Citizens Financial Corporation, Cortez, Colorado, for prior

approval to become a bank holding company through the

acquisition of 100 percent of the voting shares of The Citizens

State Bank of Cortez, Cortez, Colorado.

Newspaper - N/Avail

Fed Reg - 05/30/2000

3(a)(3) FNB Financial Services, Inc., Durant, Oklahoma, for prior

approval to acquire 100 percent of the voting shares of FNB

Lockney, Lockney, Texas.

Newspaper - N/Avail

Fed Reg - 05/23/2000

3(a)(3) Cortez Investment Co., Cortez, Colorado, for prior approval to

acquire at least 50 percent of the voting shares of Citizens

Financial Corporation, Cortez, Colorado, and thereby indirectly

acquire The Citizens State Bank of Cortez, Cortez, Colorado.

Newspaper - N/Avail

Fed Reg - 05/30/2000

3(a)(3) State Bank ESOP, Hoxie, Kansas, for prior approval to acquire

up to 50.001 percent of the voting shares of Prairie State

Bancshares, Inc., Hoxie, Kansas, and thereby indirectly acquire

The State Bank, Hoxie, Kansas.

Newspaper - N/Avail

Fed Reg - N/Avail

3(a)(5) Vail Banks, Inc., Vail, Colorado, for prior approval to merge

with Estes Bank Corporation, Estes Park, Colorado, and thereby

indirectly acquire United Valley Bank, Estes Park, Colorado.

Newspaper - N/Avail

Fed Reg - 05/30/2000

CIC Robert M. Mortimer, Delphos, Kansas, for prior approval to

acquire voting shares of Delphos, Inc., Delphos, Kansas, and

thereby indirectly acquire State Bank of Delphos, Delphos,

Kansas.

Newspaper - 04/03/2000

Fed Reg - 05/09/2000
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Member Oklahoma National Bank, Duncan, Oklahoma, for prior

approval to remain a member of the Federal Reserve System

following its conversion from a national to a state chartered

institution. The bank will be changing its name to Arvest Bank

following the conversion.

Member SpiritBank, N.A., Tulsa, Oklahoma, for prior approval to remain

a member of the Federal Reserve System following its

conversion from a national to a state chartered institution.

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, April 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Community Bank, Katy, TX, to establish a branch office at

5723 Second Street, Katy, TX, 77450*

05/05/2000

*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) Keene Bancorp, Inc. Employee Stock Ownership Plan and Trust,

Keene, TX, to acquire

Keene Bancorp, Inc., Keene, TX,

Nichols Bancshares, Inc., Dover, DE, and

First State Bank, Keene, TX*

Fed Reg – 05/25/2000

Newspaper – 05/16/2000

3(a)(3) State National Bancshares, Inc., Lubbock, TX, to acquire

Independent Bankshares, Inc., Abilene, TX,

Independent Financial Corporation, Dover, DE, and

First State Bank, N.A., Abilene, TX*

Fed Reg – 05/24/2000

Newspaper – 05/26/2000

*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
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, April 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Bank of Orange County, Fountain Valley, California, to merge

with CalWest Bank, Torrance, California.*

Newspaper - 05/10/2000

* 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) PBOC Holdings, Inc., to become a bank holding company by

acquiring People's Bank of California, both of Los Angeles,

California.*

Newspaper - 05/10/2000

Fed Reg - 05/22/2000

3(a)(1) Amplicon, Inc. to become a bank holding company by acquiring

Hutton National Bank, both of Santa Ana, California.*

Newspaper - 05/25/2000

Fed Reg - 05/30/2000

3(a)(3) Eggemeyer Advisory Corp., WJR Corp., Castle Creek Capital,

LLC, Castle Creek Capital Partners Fund IIa, LP, Castle Creek

Capital Partners Fund IIb, LP, and Castle Creek Capital Partners

Fund I, LP, all of Rancho Santa Fe, California, to acquire more

than 5 percent of Independent Bankshares, Inc., Abilene,

Texas.*

Newspaper - 05/24/2000

Fed Reg - 05/26/2000

CIC Alan Earl Knudson and Knudson Family Trust, Draper, Utah, to

retain voting shares of Silver State Bancorp, and thereby

indirectly acquire voting shares of Silver State Bank, both of

Henderson, Nevada.*

Newspaper - 05/19/2000

Fed Reg - 05/17/2000

CIC George Gund III, as trustee for the Gund Trust, San Francisco,

California, to retain voting shares of Great Basin Financial

Corporation, and thereby retain voting shares of Great Basin

Bank of Nevada, both of Elko, Nevada.*

Newspaper - N/Avial

Fed Reg - 05/19/2000

* 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) Amplicon, Inc., Santa Ana, California, to engage directly in the

activities of personal property leasing or acting as agent, broker,

or adviser in leasing personal property.

Fed Reg - 05/30/2000

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None