Federal Reserve Bank of Richmond

Section V - Availabili , Li luati

Week ending March 14, 1997

Definition of Ratings

Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner con-
sistent with its resources and capabilities.

Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community,

including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.

Needs to improve record of meeting community credit needs.

An institution in this group needs to improve its overall record of ascer-
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of ascer-
taining and helping to meet the credit needs of its entire delineated community,

including low- and moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.

Examination
——Date__ Rating
Pee Dee State Bank
115 West Main Street
Timmonsville, South Carolina 29161-1717 1-13-97 Satisfactory



NOTICE ONLY
PLICATION NOTICE EXP
None.
N - IT ECT Ti TI
OR NEWSPAPER NOTICE
APPLICATION
None.

* SUBJECT TO CRA.
*%* EXPIRATION DATE IS THE DATE SPECIFIED IN THE NEWSPAPER NOTICE ONLY.
N/A - NOT AVAILABLE AT THIS TIME.



KANSAS CITY RESERVE BANK APPLICATIONS AND REPORTS RECEIVED
March 14, 1997

T - ‘A E Y
APPLICATION COMMENT PERIOD ENDING DATE
Citizens Security Bank & Trust Co., Bixby, Not Available
Oklahoma, for membership in the Federal Reserve
System.
SECTION II - APPLICATIONS SUBJECT TO BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE
APPLICATION COMMENT PERIOD ENDING DATE
Wauneta Falls Bancorp, Inc., Wauneta, Nebraska, for April 4, 1997

prior approval to acquire 100 percent of the voting
shares of Ogallala National Bank, Ogallala,
Nebraska.*

Kremlin Bancshares, Inc., Kremlin, Oklahoma, for April 11, 1997
prior approval to become a bank holding company

through the acquisition of 100 percent of the voting

shares of Bank of Kremlin, Kremlin, Oklahoma.*

James Jay Haney, Trustee, Fayetteville, Arkansas, to Not Available
increase ownership from 16.18 percent to 48.57

percent, of the voting shares of SSB Holdings, Inc.,

Miami, Oklahoma.

MAXLOU Bancshares, Inc., Tahlequah, Oklahoma, Not Available
for prior approval to become a bank holding company

through the acquisition of 81.82 percent of the voting

shares of First State Bank, Tahlequah, Oklahoma.*

SECTION Il - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
APPLICATION COMMENT PERIOD ENDING DATE

MAXLOU Bancshares, Inc., Tahlequah, Oklahoma, Not Available
for prior approval to engage in the making and

servicing of loans through the acquisition of 100

percent of the voting shares of Liberty Finance, Inc.,

Tahlequah, Oklahoma.



Needs to improve record of meeting community credit needs.

An institution in this group needs to improve its overall record

of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate income
neighborhoods, in a manner consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate- income
neighborhoods, in a manner consistent with its resources and capabilities.
Week Endi 97
NAME OF BANK TING TION

None.

1/ Subject to provisions of Community Reinvestment Act.
2/ Later of dates specified in newspaper and Federal Register notices.

3/ Date specified in newspaper notice; a later date may be specified in
the Federal Register notice.
4/ Date specified in Federal Register notice; a later date may be

specified in the newspaper notice.
N/A - Not Available

JN


Applic di h 14. 7
Recently Approved Applications Approval Date
Arrowhead Capital Corporation 03-11-97

West Palm Beach, Florida
1-BHC formation, Sunniland Bank, Fort Lauderdale, Florida.

Deposit Guaranty Corp. 03-11-97

Jackson, Mississippi
Request for waiver of the application requirement of Section 3(a)(5) of the Bank Holding
Company Act to merge with Deposit Guaranty Arkansas Corp., Fort Smith, Arkansas, and
thereby directly acquire Merchants National Bank, Fort Smith, Arkansas.

Cumberland Bancorp, Inc. 03-14-97
Carthage, Tennessee

To acquire First Federal Bancshares, Inc., Memphis, Tennessee, and thereby acquire its thrift

subsidiaries, First Federal Bank, FSB, Memphis, Tennessee, and First Federal Bank, FSB,

Nashville, Tennessee, pursuant to Section 3(a)(3) of the Bank Holding Company Act.

The Community Bank 03-14-97
Nashville, Tennessee

To become a member of the Federal Reserve System, pursuant to Section 9 of the Federal Reserve

Act and Section 208.4 of Regulation Y. (The Community Bank is the successor to First Federal

Bank, FSB, Nashville, Tennessee.).

Cumberland Bancorp, Inc. 03-14-97
Carthage, Tennessee
After-the-fact commitment waiver request.



SECTION V_- AVAILABILITY OF CRA PUBLIC EVALUATIONS
FOR THE WEEK OF MARCH 10, 1997

Outstanding record of meeting community credit needs.

An institution in this group has an outstanding record of, and is a
leader in, ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderate-income

neighborhoods, in a manner consistent with its resources and
capabilities.

Satisfactory record of meeting community credit needs.

An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.

Needs to Improve record of meeting community credit needs.

An institution in this group need to improve its overall record of
ascertaining and helping to meet the credit needs of its entire
delineated community. including low- and moderate-income neighborhoods ,
in a manner consistent with its resources and capabilities.

Substantial Noncompliance in meeting community credit needs.

An institution in this group has a substantially deficient record of
ascertaining and helping to meet the credit needs of its entire

delineated community, including low- and moderate-income neighborhoods ,
in a manner consistent with its resources and capabilities.

Date of

None.



H.2
MARCH 10, 1997 TO MARCH 15, 1997
PAGE 5S

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK HOLDING COMPANIES

Dallas West Texas State Bank, Snyder, Texas -- request for
waiver of application to acquire The First National
Bank of Rowena, Rowena, Texas.
Granted, March 11, 1997.

BANK MERGERS
Richmond Blue Ridge Bank, Sparta, North Carolina -- to merge
with Blue Ridge Acquisition Bank, Inc.
Approved, March 12, 1997.
Kansas City Community Bank & Trust Company, Neosho, Missouri --

to merge with Diamond Bank, Diamond, Missouri.
Approved, March 14, 1997.

BANKS, STATE MEMBER

Chicago Bloomingdale Bank and Trust, Bloomingdale, Illinois -
- to exercise full fiduciary trust powers.
Approved, March 11, 1997.

CAPITAL STOCK
Dallas City State Bancshares, Inc., Palacios, Texas --

redemption of shares.
Approved, March 14, 1997.

CHANGE IN BANK CONTROL

Dallas City State Bancshares, Inc., Palacios, Texas --
change in bank control.
Permitted, March 14, 1997.

San Francisco First Hawaiian, Inc., Honolulu, Hawaii -- to engage
in community development activities through its
bank and nonbank subsidiaries.

Permitted, March 13, 1997.

Kansas City First National Bankshares of Beloit, Inc., Beloit,
Kansas -- change in bank control.
Permitted, March 14, 1997.



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section I - Applications Subject to

Newspaper Notice Only

Comment Period

Application Ending Date
NONE.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section II - Applications Subject to Both

Newspaper and Federal Register Notice

Comment Period

Application Ending Date
Community First Bankshares, Inc., Fargo, North Dakota for prior April 11, 1997
approval to acquire 100% of the voting shares of KeyBank (Federal Register)
National Association (Wyoming), Cheyenne, Wyoming. *

Hiawatha Bancshares, Inc., Hager City, Wisconsin, for prior approval April 14, 1997

to acquire 100% of the voting shares of Glenwood Bancshares, Inc., (Federal Register)

Glenwood City, Wisconsin. *

Theodore Hofer to acquire control of 35.8% of the voting shares of Not yet available
H & W Holding Company, Freeman, South Dakota.

* Subject to CRA

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section III - Applications Subject
to Federal Register Notice Only

Comment Period

Application Ending Date
NONE.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice

Application

First National Bank in Brookings, Brookings, South Dakota, for
approval to invest in the capital stock of a bank service
corporation.

First Integrity Bancorporation, Inc., Staples, Minnesota to
redeem 100% of its Class A common stock.



Federal Reserv

Applications Bulletin for Week Endi ch 1997
Section 1 - Applications Subject to Newspaper Notice Only
Application Comment Period Ending Date
Republic Security Bank 02-26-97*

West Palm Beach, Florida
To merge with Family Bank, Hallandale, Florida, pursuant to Section 18(c) of the Federal Deposit
Insurance Act.

Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice

Application Comment Period Ending Date
Regions Financial Corporation Not yet available*

Birmingham, Alabama
To acquire First Mercantile National Bank, Longwood, Florida, pursuant to Section 3(a)(3) of the
Bank Holding Company Act.

Decatur First Bank Group, Inc. 03-15-96*
Decatur, Georgia Newspaper
1-BHC formation, Decatur First Bank, Decatur, Georgia.

PAB Bankshares, Inc. Not yet available*
Valdosta, Georgia

To acquire First Federal Savings Bank of Bainbridge, Bainbridge, Georgia, pursuant to

Section 3(a)(3) of the Bank Holding Company Act.

Liberty Bank Employee Stock Ownership Plan Not yet available*
New Orleans, Louisiana

After-the-fact change in control notice to retain 1.99 percent of the outstanding shares of Liberty

Financial Services, Inc., New Orleans, Louisiana. The acquisition will increase Liberty Bank

Employee Stock Ownership Plan’s total ownership to 14.53 percent.

* Subject to the provisions of the Community Reinvestment Act.



Type
3(a)(3)

3(a)(1)

3(a)(3)

3(a)3)

4(c)(8)

Federal Reserve Bank of Chicago

Section II - Applications Subject to Both Newspaper and Federal
Register Notice cont’d

Application

Manufacturers National Corporation*
Chicago, Illinois

U.S. Bancorp, Inc.

Chicago, Illinois

U.S. Bank

Chicago, Illinois

First Equity Corp.*

Skokie, Illinois
1st Equity Bank (in organization)
Skokie, Illinois

Country Bancorporation*

Crawfordsville, Iowa
Hiawatha Bank and Trust Company (in organization)
Hiawatha, Iowa

ABC Employee Stock Ownership Plan*
Anchor, Illinois

Anchor Bancorporation Inc.

Farmer City, Illinois

Anchor State Bank

Anchor, Illinois

Shoreline Financial Corporation
Benton Harbor, Michigan

SJS Bancorp, Inc.

St. Joseph, Michigan

SJS Federal Savings Bank

St. Joseph, Michigan

Comment Period
Ending Date

FR - 3-21-97
NP - 3-22-97

FR - 2-27-97
NP - 3-10-97

FR - 4-3-97
NP - 4-1-97

FR - 3-13-97
NP - *#



Section 10 - Availability of CRA Public Evaluati

The CRA public evaluations of the insured depository institutions listed below became available
during this week. Information about an institution's CRA evaluation may be obtained directly
from the institution. In connection with the assessment of an institution's CRA performance, a
rating is assigned from the following groups:

Outstanding record of meeting community credit needs: An institution has an outstanding
record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs: An institution has a satisfactory record
of ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

Needs to improve record of meeting community credit needs: An institution needs to improve
its overall record of ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.

Substantial noncompliance in meeting community credit needs: An institution has a
substantially deficient record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.

Metro Bank of Dade County Satisfactory 12-02-96
1390 South Dixie Highway

Coral Gables, Florida 33146
(305) 662-1390



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending March 14, 1997

ASSIGNMENT OF RATING
Identification of Ratings

In connection with the assessment of each insured depository institution’s CRA performance, a rating
is assigned from the following groups:

OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.

An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.

An institution in this group has a satisfactory record of ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.

NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.

An institution in this group needs to improve its overall record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income neighborhoods,
in a manner consistent with its resources and capabilities.

SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.
An institution in this group has a substantially deficient record of ascertaining and helping to meet the

credit needs of its entire delineated community, including low-and moderate-income neighborhoods, in
a manner consistent with its resources and capabilities.

BANK(S) EXAMINED DATE OF EXAMINATION CRA RATING
Crow River State Bank November 25, 1996 Satisfactory
710 Babcock Boulevard

Box B2

Delano, Minnesota 55328



SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE

NONE

AVAILABILITY OF CRA PUBLIC EVALUATIONS
(March 14, 1997)

The following state member banks have been examined by the Federal Reserve Bank of
Cleveland for compliance with The Community Reinvestment Act. A public evaluation document
became available from the bank(s) listed below during the week ended March 14, 1997. If you
are interested in obtaining a copy of an evaluation document, please contact the bank(s) directly.

There are four descriptive ratings for CRA:

OUTSTANDING: a bank in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

SATISFACTORY: a bank in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.

NEEDS TO IMPROVE: a bank in this group needs to improve its overall record of
ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

SUBSTANTIAL NON COMPLIANCE: a bank in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

NONE



H.2

MARCH 10, 1997 TO MARCH 15, 1997

PAGE 10

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

EXTENSIONS OF TIME
Atlanta

INTERNATIONAL OPERATIONS
Philadelphia

MEMBERSHIP

Richmond

Atlanta

Palm Beach National Holding Company, North Palm
Beach, Florida -- extension to June 19, 1997, to
acquire Palm Beach National Bank & Trust Company.

Granted, March 14, 1997.

CoreStates Bank, N.A., Philadelphia, Pennsylvania --
to establish a branch in Seoul, Korea.
Approved, March 13, 1997.

Blue Ridge Bank, Sparta, North Carolina -- to become
a member of the Federal Reserve System.
Approved, March 12, 1997.

Community Bank, Nashville, Tennessee -- to become a
member of the Federal Reserve System.
Approved, March 14, 1997.



Federal Reserve Bank of St. Louis

FOR THE WEEK ENDING MARCH 14, 1997

- TI FE! TI
None.
- APP! T
NEWSPAPER AND FEDERAL REGISTER NOTICE
Application End of Comment Period
None.
- I T!
Application End of Comment Period
None.
- IT T iT!
OR NEWSPAPER NOTICE
Application End of Comment Period

None.



Type
4(c)(8)

4(c)(8)

4(€)(8)

4(€)(8)

Federal Reserve Bank of Chicago

Section III - Applications Subject to Federal Register
Notice Only cont’d

Application

Stichting Administratiekantoor ABN AMRO Holding
Amsterdam, The Netherlands

Citicorp Futures Corporation

New York, New York

Citifutures Limited

London, England

Citicorp Futures Limited

Singapore

Stichting Prioritiet ABN AMRO Holding
Amsterdam, The Netherlands

Citicorp Futures Corporation

New York, New York

Citifutures Limited

London, England

Citicorp Futures Limited

Singapore

ABN AMRO Bank N.V.
Amsterdam, The Netherlands
Citicorp Futures Corporation
New York, New York
Citifutures Limited
London, England
Citicorp Futures Limited
Singapore

ABN AMRO Holding, N.V.
Amsterdam, The Netherlands
Citicorp Futures Corporation
New York, New York
Citifutures Limited
London, England
Citicorp Futures Limited
Singapore

Comment Period
Ending Date

FR - 3-17-97

FR - 3-17-97

FR - 3-17-97

FR - 3-17-97


H.2

MARCH 10, 1997 TO MARCH 15, 1997

PAGE 7

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS

Atlanta

Dallas

Dallas

New York

Philadelphia

Chicago

Atlanta

Dallas

First National Bank of Pasco, Dade City, Florida,
proposed merger with Pasco Interim Bank, N.A. --
report on competitive factors.

Submitted, March 10, 1997.

First State Bank, Three Rivers, Texas, proposed
merger with New Live Oak, Inc. -- report on
competitive factors.

Submitted, March 11, 1997.

First State Bank of Rankin, Rankin, Texas, proposed
merger with Eden Acquisition Corporation, San
Angelo, Texas -- report on competitive factors.

Approved, March 10, 1997.

Greater New York Savings Bank, New York, New York,
proposed merger with The Greater Interim Savings
Bank -- report on competitive factors.

Submitted, March 12, 1997.

Harris Savings Bank, Harrisburg, Pennsylvania,
proposed merger with Harris Interim Savings Bank --
report on competitive factors.

Submitted, March 10, 1997.

Hillsdale County National Bank, Hillsdale, Michigan,
proposed purchase of certain assets and assumption
of certain liabilities of Republic Bank, Ann Arbor,
Michigan -- report on competitive factors.

Submitted, March 12, 1997.

McDuffie Bank & Trust, Thomson, Georgia, proposed
merger with Pinnacle Interim Corporation -- report
on competitive factors.

Submitted, March 10, 1997.

Norwest Bank Texas, South Central, Victoria, Texas,
proposed merger with Texas Bank, Odessa, Texas --
report on competitive factors.

Submitted, March 12, 1997.



H.2

MARCH 10, 1997 TO MARCH 15, 1997

PAGE 6

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

CHANGE IN BANK CONTROL

Dallas

Dallas

Cleveland

Intercontinental Bank Shares Corporation, San
Antonio, Texas -- change in bank control.
Permitted, March 10, 1997.

Myers Bancshares, Inc., Dallas, Texas -- change in
bank control.
Permitted, March 14, 1997.

New Richmond Bancorporation, New Richmond, Qhio --
change in bank control.
Permitted, March 15, 1997.

COMPETITIVE FACTORS REPORTS

Kansas City

Chicago

Chicago

San Francisco

Kansas City

Commerce Bank, N.A., Wichita, Kansas, proposed merger
with Commerce Bank, N.A., Hayes, Kansas -- report
on competitive factors.

Submitted, March 11, 1997.

Community State Bank, Akeny, Iowa, proposed merger
with East Des Moines National Bank, Des Moines,
Iowa -- report on competitive factors.

Submitted, March 13, 1997,

Edgar County Bank and Trust Company, Paris, Illinois,
proposed merger with ECBT Interim Bank -- report on
competitive factors.

Submitted, March 13, 1997.

El Dorado Savings Bank, Placerville, California,
proposed purchase of the assets and assumption of
the liabilities of the Jackson branches of Placer
Savings Bank, Auburn, California -- report on
competitive factors.

Submitted, March 12, 1997.

F&M Bank & Trust Company, Tulsa, Oklahoma, proposed
merger with Farmers and Merchants Bank of Piedmont,
Piedmont, Oklahoma -- report on competitive
factors.

Submitted, March 10, 1997.



Federal Reserve Bank of Richmond

Secti - appli . Subs ;
Notice Only

Metro-County Bank of Virginia, Inc.,

Mechanicsville, Virginia (an organizing

bank), for membership in the Federal
Reserve System.* 3-21-97

F & M Bank-Northern Virginia, Fairfax,

Virginia, to establish a branch at
440 Maple Avenue East, Vienna, Virginia.* 4-3-97

ion I = Licatd subi Bott

. i Federal ; fot
Application Comment Period Ending Date
None.
App! iod Ending p
None.
Section IV - Application Not Subject to
Federal . : .
Licati

None.

*Application is subject to CRA requirements.



H.2

MARCH 10, 1997 TO MARCH 15, 1997

PAGE 9

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

EXTENSIONS OF TIME

Dallas

Chicago

Chicago

Dallas

Dallas

San Francisco

Chicago

Colorado County Investment Holdings, Inc.,
Wilmington, Delaware -- extension to June 26, 1997,
to acquire Hill Bancshares Holdings, Inc., Weimar,
Texas, Hill Bancshares, Inc., Wilmington, Delaware,
and Hill Bank & Trust Company, Weimar, Texas.

Granted, March 11, 1997.

Fifth Third Bank of Central Indiana -- extension to
April 12, 1998, to establish a branch at State
Road 135 and Fry Road, Greenwood, Indiana.

Granted, March 11, 1997.

Fifth Third Bank of Central Indiana, Indianapolis,
Indiana -- extension to April 12, 1998, to
establish a branch at State Road 135 and Fry Road,
Greenwood, Indiana.

Granted, March 11, 1997.

FNB Company, Livingston, Texas -- extension to
June 13, 1997, to acquire FNB Company of Delaware,
Wilmington, Delaware, and The First National Bank
of Livingston, Livingston, Texas.

Granted, March 12, 1997.

FNB Company of Delaware, Wilmington, Delaware --
extension to June 13, 1997, to acquire The First
National Bank of Livingston, Livingston, Texas.

Granted, March 12, 1997.

GB Bancorporation, San Diego, California -- extension
to June 18, 1997, to acquire Pacific Commerce Bank,
Chula Vista; and Rancho Vista National Bank, Vista,
California.

Granted, March 13, 1997.

Horizon Bancorp Employee Stock Ownership Plan,
Michigan City, Indiana -- extension to June 14,
1997, to acquire additional shares of Horizon
Bancorp, and acquire First Citizens Bank, N.A.

Granted, March 14, 1997.



Federal Reserve Bank of Chicago

Section I - Applications Subject to Newspaper

Notice Only
Comment Period
Type Application Ending Date
Branch Comerica Bank NP - 3-16-97
Detroit, Michigan
50 Douglas
Holland, Michigan
Branch Comerica Bank NP - 3-16-97
Detroit, Michigan
670 Highland Avenue
Milford, Michigan
Member NorthSide Community Bank NP - **

Gurnee, Illinois
To become a member of the Federal Reserve System

3(a)(1) Notice IBC Bancorp, Inc. NP - 03-26-97
Chicago, Illinois
International Bank of Chicago
Chicago, [linois

NP - Newspaper
FR - Federal Register

* - Subject to Provisions of Community Reinvestment Act
** - Not available at this time



ANNOUNCEMENT H.2, 1997, No. 11
Actions of the Board, its Staff, and

BOARD OF GOVERNORS the Federal Reserve Banks;
OF THE Applications and Reports Received
FEDERAL RESERVE SYSTEM During the Week Ending March 15, 1997

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANK HOLDING COMPANIES

Anteilsverwaltung-Zentralsparkasse, Vienna, Austria,
and Bank Austria Aktiengesellschaft -- request for
a temporary exemption under section 4(c)(9) of the
Bank Holding Company Act to engage in certain
nonbanking activities in the United States as a
result of Bank Austria's proposed acquisition of
Creditanstalt-Bankverein.

Granted, March 12, 1997.

Application for Employment with the Board of
Governors of the Federal Reserve System (FR 28) --
extension, with revision.

Approved, March 10, 1997.

Bank Holding Company Reporting Requirements
(FR Y-9C, FR Y-9LP, FR Y-9SP, FR Y-11Q, and
FR Y-111I) -- revision without extension.

Approved, March 13, 1997.

Quarterly Report of Assets and Liabilities of Large
Foreign Offices of U.S. Banks (FR 2502q) --
extension, with revision.

Approved, March 10, 1997.

Weekly Report of Eurodollar Liabilities Held by
Selected U.S. Addressees at Foreign Offices of U.S.
Banks (FR 2050) -- extension, with revision.

Approved, March 10, 1997.

INTERNATIONAL OPERATIONS

CoreStates Bank, N.A., Philadelphia, Pennsylvania ~-
to establish a branch in Seoul, Korea.
Permitted, March 13, 1997.

REGULATIONS AND POLICIES

Regulation 0 -- amendment to implement recent
amendments to the Federal Reserve Act concerning
extensions of credit by a bank to an executive
officer or director (Docket R-0940).

Approved, March 11, 1997.

Regulations H and K -- final interagency rule
regarding government securities sales practices of
depository institutions (Docket R-0921).

Approved, March 11, 1997.



FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

Ei ~ APP: IN: ECT T
NEWSPAPER NOTICE ONLY
Application comment Peri Endin e
NONE
ECTI. = _APPLI ECT TO
Ws R ID _ FED.) ER _NOTI
Application Comment Period Ending Date
NONE
ON IIT - AP ATIONS CTT

RAL REGISTER NOT ONLY
Application Commen: iod ing D
NONE

SECTION IV - APPLICATIONS NOT SUBJECT TO
FEDERAL REGISTER OR NEWSPAPER NOTICE

Application

NONE

SECTION V_- AVAILABILITY OF CRA PUBLIC EVALUATION:

Institution Examination Date Rating**
NONE

*Subject to CRA.

**Rating Definitions: "O" - Outstanding; "S" - Satisfactory; "N" - Needs to
Improve; "SN" - Substantial Noncompliance.



H.2 ADDITIONS AND CORRECTIONS
MARCH 10, 1997 TQ MARCH 1S, 1997
PAGE 11

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BOARD OPERATIONS

Freedom on Information Act -- annual report for 1996.
Published, March 1, 1997.

REGULATIONS AND POLICIES

Regulation CC -- clarifying amendments concerning
guidelines for Federal Reserve priced services and
fees for automated clearing house ACH service
(Docket R-0926).

Approved, February 26, 1997.

Regulations H and K, deposit production offices --
request for comment on proposed amendments to
prohibit using interstate branches primarily for
deposit production (Docket R-0962). .

Approved, February 28, 1997.

ADDITIONS AND CORRECTIONS
ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS

Atlanta Heritage Bank, Hinesville, Georgia, proposed purchase
of certain assets and assumption of certain
liabilities of the Jesup, Georgia, branch of
Wachovia Bank of Georgia, N.A., Augusta, Georgia --
report on competitive factors.

Submitted, March 5, 1997.



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 3/14/97
Section IIL Applications Subi Federal Register Onl

None

Section IV - Applications Not Subject to Federal Register Noti
or Newspaper Notice

Humboldt Bancorp, !Zureka, California, to acquire Bancorp Financial Services, Inc., Sacramento,
California.

Section V - Availability of CRA Public E .

The CRA public evaluations of the institution(s) below became available during this week. Information
about a particular institution's CRA evaluation may be obtained directly from the institution.

Instituti 1 . Examination D Rating*
First American Bank 8941 E. Valley Blvd. 11/12/96 Satisfactory
Rosemead, CA 91770
(818) 287-6100

*Under the rating system an institution's CRA performance is assigned one of the following four ratings:

Outstanding record of meeting community credit needs: An institution has an outstanding record of,
and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community,

including low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

Satisfactory record of meeting community credit needs: An institution has a satisfactory record of
ascertaining and meeting the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.



The following state member banks have been examined by the Federal Reserve Bank of Chicago for compliance

Federal Reserve Bank of Chicago

Section V - Availability of CRA Public Evaluations

with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed during the

week ending March 14, 1997. If you are interested in obtaining a copy of the evaluation document, please
contact the bank(s) directly.

Identification of Ratings

O-

NI -

SN -

An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.

An institution in this group has a satisfactory record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

An institution in this group has a needs to improve its overall record of ascertaining
and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.

An institution in this group has a substantial noncompliance record of ascertaining
and helping to meet the credit needs of its entire delineated community, including

low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.

BANK NAME/LOCATION EXAMINATION DATE RATINGS

F&M Bank - Kiel

514 Fremont

Kiel, Wisconsin 53042-0037

(414) 894-2257 11/18/96 oO



Type
ROS-HC

Federal Reserve Bank of Chicago

Section IV - Applications Not Subject to Federal Register or Newspaper Notice

Application

Anchor Bancorporation, Inc.
Farmer City, Illinois
To redeem 102 shares of its outstanding shares



H.2

MARCH 10, 1997 TO MARCH 15, 1997

PAGE 8

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS

San Francisco

Chicago

Atlanta

EXTENSIONS OF TIME

San Francisco

Atlanta

Dallas

Pacific State Bank, Stockton, California, proposed
acquisition of the assets and assumption of the
liabilities of the Altaville, Arnold, Groveland,
and Columbia, branches of Valliwide Bank, Fresno,
California -- report on competitive factors.

Submitted, March 10, 1997.

Parkway Bank and Trust Company, Harwood Heights,
Illinois, proposed merger with Parkway Bank,
Carpentersville, Illinois -- report on competitive
factors.

Permitted, March 10, 1997.

SouthTrust Bank of Florida, N.A., St. Petersburg,
Florida, proposed acquisition of the assets and
assumption of the liabilities of Charter Bank,
Delray Beach, Florida -- report on competitive
factors.

Submitted, March 10, 1997.

BankAmerica Corporation, San Francisco, California --
extensions to divest certain properties.
Granted, March 14, 1997.

Barnett Banks, Inc., Jacksonville, Florida --
extension to June 23, 1997, to engage de novo in
acting as agent in the private placement of
securities through Barnett Securities, Inc.

Granted, March 13, 1997.

Central Texas Bankshare Holdings, Inc., Columbus,
Texas -- extension to June 26, 1997, to acquire
Central Texas Bankshare Holdings, Inc., Weimar,
Texas, Hill Bancshares, Inc., Wilmington, Delaware,
and Hill Bank & Trust Company, Weimar, Texas.

Granted, March 11, 1997.



Southwest Georgia Financial Corporation Not yet available
Moultrie, Georgia

Expedited notice for its subsidiary, Southwest Georgia Bank, Moultrie, Georgia, to acquire 50

percent of Empire Financial Services, Inc., Milledgeville, Georgia, and thereby indirectly engage

in making, acquiring, or servicing loans or other extensions of credit, pursuant to Section

225.25(b)(1) of Regulation Y and Section 4(c)(8) of the Bank Holding Company Act.

4 - Applications No ject t
Regi: ice or T i

licati

Overton Financial Services, Inc.

Livingston, Tennessee
To establish SecurAmerica Holding Corporation, Memphis, Tennessee, and thereby engage in
community development activities, pursuant to Section 225.25(b)(6) of Regulation Y and
Section 4(c)(8) of the Bank Holding Company Act.



Union State Bank 12/16/96
P.O. Box 518
Clay Center, Kansas 67432-0518

First United Bank 12/09/96

19201 East Main Street
Parker, Colorado 80134-9047

*Application is subject to CRA.

03/11/97

03/12/97

Satisfactory

Satisfactory



FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN

APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF MARCH 10, 1997

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
TICE ONLY

APPLICATION NOTICE EXP

*Section 9 application by
The State Bank of Texas, Houston, TX
to establish a branch to be located at

13023 Murphy Road, Stafford, TX 77477 97/04/04
SECT: : TION: OTH
NEWSPAPER AND L_ REGISTER
|
| APPLICATION ** NOTICE EXP

Change in Control Notice by

M. Dale McGill, Houston, TX, et al, to

acquire an interest in Farmers and Merchants

Bancshares. Inc., Mart, TX N/A

(Previously reported during the week of 2-24-97)
(Resubmission)

Change in Control Notice by

Mary Lois Whittenburg Lockhart, as Trustee of the

Grace and Roy Whittenburg Trusts, Amarillo, TX,

to acquire an interest in Amarillo Western Bancshares.

Inc., Amarillo, TX 97/03/28
(Previously reported during the week of 2-17-97)

Change in Control Notice by

Deborah Yowell Farley, et al, to acquire an

interest in Texas State Bancshares, Inc. ,

Harker Heights, TX 97/03/27
(Previously reported during the week of 2-24-97)



Federal Reserve Bank of Chicago

Section II - Applications Subject to Both Newspaper and Federal
Register Notice cont’d

Comment Period

Type Application Ending Date
4(c)(8) Stichting Administratiekantoor ABN AMRO Holding FR - 3-4-97
Amsterdam, The Netherlands NP - 3-10-97

Standard Federal Bancorporation, Inc.
Troy, Michigan

Standard Federal Bank

Troy, Michigan

Standard Brokerage Service, Inc.
Troy, Michigan

4(c)(8) ABN AMRO Bank, N.V. FR - 3-4-97
Amsterdam, The Netherlands NP - 3-10-97
Standard Federal Bancorporation, Inc.
Troy, Michigan
Standard Federal Bank
Troy, Michigan
Standard Brokerage Services, Inc.
Troy, Michigan

A(c)(8) ABN AMRO Holding N.V. FR - 3-4-97
Amsterdam, The Netherlands NP - 3-10-97
Standard Federal Bancorporation, Inc.
Troy, Michigan
Standard Federal Bank
Troy, Michigan
Standard Brokerage Services, Inc
Troy, Michigan

4(c)(8) Stichting Prioriteit ABN AMRO Holding FR - 3-4-97
Amsterdam, The Netherlands NP - 3-10-97
Standard Federal Bancorporation, Inc.
Troy, Michigan
Standard Federal Bank
Troy, Michigan
Standard Brokerage Services, Inc.
Troy, Michigan

A(c)(8) ABN AMRO North America, Inc. FR - 3-4-97
Chicago, Iinois NP - 3-10-97
Standard Federal Bancorporation, Inc.
Troy, Michigan
Standard Federal Bank
Troy, Michigan
Standard Brokerage Services, Inc.
Troy, Michigan



H.2

MARCH 10, 1997 TO MARCH 1S, 1997

PAGE 4

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK HOLDING COMPANIES

Atlanta

Secretary

Richmond

Chicago

Richmond

Philadelphia

Minneapolis

New York

Cumberland Bancorp, Inc., Carthage Tennessee -- to
acquire First Federal Bancshares, Inc., Memphis,
Tennessee, First Federal Bank, FSB, Memphis; and
First Federal Bank, FSB, Nashville, Tennessee.

Approved, March 14, 1997.

Deposit Guaranty Corporation, Jackson, Mississippi --
determination that application is not required for
internal reorganization of its banking
subsidiaries.

Granted, March 10, 1997.

FCFT, Inc., Princeton, West Virginia -- to acquire
Blue Ridge Bank, Sparta, North Carolina.
Approved, March 12, 1997.

HPK Financial Corporation, Chicago, Illinois -- to
acquire Mortgage Service America, Inc., Chicago,
Illinois, and engage in mortgage banking
activities.

Permitted, March 12, 1997.

NewSouth Bancorp, Inc., Washington, North Carolina --
to acquire NewSouth Bank.
Approved, March 10, 1997.

Sun Bancorp, Inc., Selinsgrove, Pennsylvania --
request for waiver of the application to acquire
Bucktail Bank and Trust Company, Emporium,
Pennsylvania.

Granted, March 13, 1997.

Trimont Bancorporation, Inc., Trimont, Minnesota --
to acquire Financial Services of Winger, Inc.,
Winger, Minnesota.

Approved, March 11, 1997.

U.S. Trust Corporation, New York, New York -- to
acquire U.S. Trust Bank of Connecticut, Inc.,
Greenwich, Connecticut.

Approved, March 10, 1997.



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 3/14/97

Section V - Availability of CRA Public Evaluations (cont'd.)

Needs to Improve record of meeting community credit needs: An institution needs to improve its
overall record of ascertaining and helping to meet the credit needs of its entire delineated community,
including low- to moderate-income neighborhoods, in a manner consistent with its resources and

capabilities.

Substantial Noncompliance in meeting community credit needs: An institution has a substantially
deficient record of ascertaining and helping to meet the credit needs of its entire delineated community,
including low- to moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

The above listing has been prepared as a courtesy by the Federal Reserve Bank of San Francisco, and is
not intended to replace formal notices required by statute or regulation; the Reserve Bank assumes no
responsibility for errors or omissions.



FEDERAL RESERVE BANK OF PHILADELPHIA

USA BancShares, Inc., Philadelphia, PA to engage in brokerage activities through the
acquisition of The Knox Financial Service Group, Inc., pursuant to Section 4(c)(8) of the Bank
Holding Company Act and Section 225.25(b)(15)(i) of Regulation Y.

Federal Register comment period expires: 04/02/97

SECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL
REGISTER NOTICE OR NEWSPAPER

NONE



APPLICATIONS BULLETIN
(For the week ending March 15, 1997)

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY

Received notice from the Fifth Third Bank, Cincinnati, Ohio, * April 4, 1997
on March 10, 1997, of its intent to establish the Ferguson Road
Bank Mart, 3210 Ferguson Road, Cincinanti,Ohio.

SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL
REGISTER NOTICE

Received notice from Banc One Corporation, Columbus, *F: March 27, 1997
Ohio, on February 28, 1997, of its intent to acquire First

USA, Inc., Dallas, Texas, pursuant to Section 4(c)(8) of the

Bank Holding Company Act.

Received Section 3(a)(3) application from F.N.B. Corporation, *F; April 10, 1997
Hermitage, Pennsylvania, on March 6, 1997, to acquire 13.8%

of the outstanding voting shares of Sun Bancorp, Inc., Selinsgrove

Pennsylvania.

Received Section 3(a)(5) application from First Financial *F: April 14, 1997
Corporation, Hamilton, Ohio, on March 13, 1997, to acquire

Southeastern Indiana Banmcorp, Vevay, Indiana, and its

sole subsidiary bank, Vevay Depsoit Bank.

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY

Received Section 4(c)(8) notice from F.N.B. Corporation, April 10, 1997
Hermitage, Pennsylvania, on March 6, 1997, of its intent

to acquire a 13.8% interst in Sun Life Insurance Company,

the nonbank subsidiary of Sun Bancorp, Inc., Selinsgrove,

Pennsylvania.

Received notice from PNC Bank Corp., Pittsburgh, Pennsylvania, March 27, 1997
on February 28, 1997, of its intent to establish PNC GPI, Inc.,

as a de novo nonbank subsidiary that will serve as general partner

to private investment limited partnerships pursuant to Section 4(c)(8)

of the Bank Holding Company Act.

* _ Subject to CRA

N - Newspaper Comment Period

F - Federal Register Comment Period

# - Expected to End 30 Days from Date of Receipt



H.2

MARCH 10, 1997 TO MARCH 15, 1997

PAGE 3

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

ABBREVIATIONS: BS&R - Banking Supervision and Regulation; C&CA - Consumer and

Community Affairs; FOMC -

Federal Open Market Committee; FRBO - Federal Reserve

Bank Operations; IF - International Finance; OSDM - Office of Staff Director

for Management

BANK BRANCHES, DOMESTIC

Richmond

Kansas City

Kansas City

Richmond

BANK HOLDING COMPANIES

Boston

Atlanta

Chicago

Chicago

Atlantic Bank, Ocean City, Maryland -- to establish a
branch in the Wal-Mart SuperCenter at 2122 Old Snow
Hill Road, Pocomoke, Maryland.

Approved, March 14, 1997.

Central Bank of Missouri, Sedalia, Missouri -- to
establish a branch in the Price Chopper grocery
store at 701 East Broadway.

Approved, March 11, 1997.

Community Bank & Trust Company, Neosho, Missouri --
to establish a branch at 107 Market Street,
Diamond, Missouri.

Approved, March 14, 1997.

F & M Bank-Massanutten, Harrisonburg, Virginia -- to
establish a branch in the Sunnyside Presbyterian
Retirement Community at 430 Highlands Place.

Approved, March 12, 1997.

Affiliated Community Bancorp, Inc., Waltham,
Massachusetts -- to acquire Middlesex Bank & Trust
Co., Newton, Massachusetts.

Approved, March 14, 1997.

Arrowhead Capital Corporation, West Palm Beach,
Florida -- to acquire Sunniland Bank, Fort
Lauderdale, Florida.

Approved, March 11, 1997.

Blackhawk Bancorp, Inc., Beloit, Wisconsin -- to
acquire Rochelle Bancorp, Inc., Rochelle, Illinois,
and Rochelle Savings Bank, S.B.

Approved, March 11, 1997.

Community Bank Corp., Park Ridge, Illinois -- to
acquire Park Ridge Community Bank.
Approved, March 14, 1997.



- APPLICATI N T FEDE. af R NOTI

None.
TI - AVAILABILITY OF IC EVALUATI
Identification of Ratings

In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:

Outstanding record of meeting community credit needs
An institution in this group has an outstanding record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs
An institution in this group has a satisfactory record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Needs to improve record of meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderate-
income neighborhoods, in a manner consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping

to meet the credit needs of its entire delineated community, including low- and moderate-
income neighborhoods, in a manner consistent with its resources and capabilities.

CRA Public CRA
Bank/Location ‘xam Date Date _-Rating —
Colorado Bank & Trust 12/09/96 03/10/97 Satisfactory

P.O. Box 499
La Junta, Colorado 81050-0499



Type
COC-HC

COC-HC

3(a)(3)

3(a)(1)

3(a)3)

3(a)(3)

3(a)(1)

Federal Reserve Bank of Chicago

Section II - Applications Subject to Both Newspaper and Federal

Register Notice

Application

Antioch Holding Company
Antioch, Illinois
By Randolph S. Miles

Antioch Holding Company
Antioch, Illinois
By Cynthia M. Stout

Coal City Corporation*
Chicago, Illinois
U.S. Bancorp
Lansing, Illinois
U.S. Bank
Lansing, Illinois

CH and JD Byrum, LLC*

Indianapolis, Indiana
American State Corporation
Lawrenceburg, Indiana
American State Bank
Lawrenceburg, Indiana

National Canton Bancshares, Inc.*
Canton, Illinois
Sturm Investment, Inc.
Denver, Colorado
Union National Bank of Macomb
Macomb, Illinois

Old Second Bancorp, Inc.*
Aurora, Illinois
Maple Park Bancshares, Inc.
Maple Park, Illinois
First State Bank of Maple Park
Maple Park, Illinois

Bando McGlocklin Capital Corporation*
Pewaukee, Wisconsin
InvestorsBank (in organization)
Pewaukee, Wisconsin

Comment Period
Ending Date

FR - 3-20-97
NP - 2-21-97

FR - 3-20-97
NP - 2-28-97

FR - 3-21-97
NP - 3-22-97

FR - **
NP - 3-26-97

FR - **
NP - **

FR - 4-7-97
NP - **


H.2
MARCH 10,
PAGE 2

1997

TO

MARCH 15, 1997

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

ENFORCEMENT

American Bank and Trust of Polk County, Lake Wales,
Florida -- written agreement dated June 10, 1992,
terminated March 7, 1997.

Announced, March 14, 1997.

Bank of New York, New York, New York -- order dated
January 16, 1992, terminated March 5, 1997.
Announced, March 14, 1997.

Central Bank of the South, Birmingham, Alabama --
order dated January 16, 1992, terminated March 5,
1997. .

Announced, March 14, 1997.

Crestar Bank, Richmond, Virginia -- order dated
January 16, 1992, terminated March 3, 1997.
Announced, March 14, 1997.

First Independence Bank of Florida, Fort Myers,
Florida -- written agreement dated May 1, 1992,
terminated February 25, 1997.

Announced, March 14, 1997.

Garfield Bank, Montebello, California -- written
agreement dated April 26, 1994, terminated March 5,
1997.

Announced, March 14, 1997.

Perry County Bancorp, Inc., Duquoin, Illinois, and
DuQuoin State Bank -- written agreement dated April
12, 1993, terminated February 7, 1997.

Announced, March 14, 1997.

Trust Company Bank, Atlanta, Georgia -- order dated
January 16, 1992, terminated March 14, 1997.
Announced, March 14, 1997.



FEDERAL RESERVE BANK OF ST. LOUIS

FOR THE WEEK ENDING March 14, 1997
> DI

Identification of Ratings:
Outstanding record of meeting community credit needs
An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping
to meet the credit needs of its entire delineated community, including jow- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs

An institution in this group has a satisfactory record of ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.

Needs to improve record of meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping to meet

the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Bank Address amination

—— ee: Date

Citizens Bank Batesville, AR 11/18/96 Satisfactory



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 3/14/97
Section I - lications Subj N Notice Only D
a C Period Ending D
Westamerica Bank, San Rafael, California, to merge Newspaper: 4/07/97
with ValliWide Bank, Fresno, California. *
First SecurityBank of Nevada, Las Vegas, Nevada, Newspaper: 3/27/97
to establish a branch office in the Trails Village
Center, located at the corner of Trailwood Drive
and Village Center Drive, Las Vegas, Nevada. *
AMB Financial Services Corporation, Bainbridge, Newspaper: 3/21/97
Island, Washington, to become a bank holding
company by acquiring American Marine Bank,
Bainbridge Island, Washingotn. *
. . se .
Section L{— Applications Subject 19 Bath I i Federal Register Noti
Eggemeyer Advisory Corporation, Castle Creek Newspaper: Not available
Partners Fund LLP, and Castle Creek Capital LLC,
all of San Diego, California, to acquire at Fed, Reg.: 3/24/97
least 14.9 percent of Rancho Santa Fe National
Bank, Rancho Santa Fe, California, and at least
14.9 percent of First Community Bank of the Desert,
Yucca Valley, California. *
Citizens Bancorp to become a bank holding company Newspaper: 4/04/97
by acquiring Citizens Bank, both of Corvallis,
Oregon. * Fed. Reg.: 4/07/97
First Coastal Bancshares, E] Segundo, California, Newspaper: Not available
to become a bank holding company by acquiring
First Coastal Bank, N.A., El Segundo, California. * Fed, Reg.: 4/11/97

* Subject to CRA.



Type
4()(8)

4(€)(8)

4(c)(8)

4(c)(8)

4(c)(8)

4(c)(8)

Federal Reserve Bank of Chicago

Section Ill - Applications Subject to Federal Register
Notice Only

Application

Pinnacle Financial Services, Inc.
St. Joseph, Michigan
IFB Investment Services, Inc.
Valparaiso, Indiana

Pinnacle Financial Services, Inc.
St. Joseph, Michigan
Infed Mortgage Company
Valparaiso, Indiana

Pinnacle Financial Services, Inc.
St. Joseph, Michigan
Indiana Federal Corporation
Valparaiso, Indiana
Indiana Federal Bank
Valparaiso, Indiana

Pinnacle Financial Services, Inc.
St. Joseph, Michigan

Forrest Holdings, Inc.

Lisle, Illinois

Old Second Bancorp, Inc.
Aurora, Illinois
Maple Park Mortgage Company
Maple Park, Illinois

Bando McGlocklin Capital Corporation
Pewaukee, Wisconsin
Bando McGlocklin Small Business Lending
Company and Bando McGlocklin
Investment Corporation
Pewaukee, Wisconsin

Comment Period
Ending Date

FR - 3-12-97

FR - 3-12-97

FR - 3-12-97

FR - 3-12-97

ER - **

FR - 4-7-97



FEDERAL RESERVE BANK OF NEW YORK

Comment Period

Ending Date
SECTION I
Applications Subject to Newspaper
Notice Only

None.
SECTION I

Applications Subject to Both
Newspaper and Federal Register Notice

None.

SECTION It

Nonbanking Applications
None.
SECTION IV

Applications Not Involving
Public Comment

None.

SECTION V
ility of C lic Evaluations

In connection with the assessment of each insured depository institution's
CRA performance, a rating is assigned from the following group:

Outstanding record of meeting community credit needs.

An institution in this group has an outstanding record of, and

is a leader in, ascertaining and helping to meet the credit

needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.

Satisfactory record of meeting community credit needs.

An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated
community, including low- and moderate- income neighborhoods,
in a manner consistent with its resources and capabilities.



FEDERAL RESERVE BANK OF PHILADELPHIA

CTI -A PUBLI

The following institutions were examined for CRA. The 30-business day period the bank has
to make the evaluation public has lapsed during the week ending March 14, 1997.

Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:

Outstanding record of meeting community credit needs.

An institution in this group has an outstanding record of, and is a leader in, ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs.

An institution in this group has a satisfactory record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Needs to improve record of meeting community credit needs.

An institution in this group needs to improve its overall record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs.

An institution in this group has a substantially deficient record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

B: ‘ion Examination Date CRA Rating
NONE NONE NONE