Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 34

Week Ending August 19, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions August 13, 2000 to August 19, 2000

Banks, State Member

The Chase Manhattan Bank, New York, New York -- request for a determination 

regarding ownership of operating subsidiaries by state member banks.

- Approved, August 16, 2000 

Board Operations

Association of Supervisors of Banks of the Americas -- proposed Board membership 

in the regional bank supervisory association.

- Approved, August 17, 2000 

International Operations

Capital One Bank, Glen Allen, Virginia -- to establish and make an investment in 

Capital One Bank, plc, London, United Kingdom, and for Capital One Bank, plc to 

establish a branch in Paris, France.

- Approved, August 16, 2000 

Regulations And Policies

Framework for financial holding company supervision -- issuance of supervisory 

letter.

- Published, August 15, 2000 

(AC) = Addition or Correction Board - Page 1 of 1
August 13, 2000 to August 19, 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

Fifth Third Bank of Florida, Naples, Florida -- to establish a branch at 4103 Santa 

Barbara Boulevard.

- Approved, August 14, 2000 

Atlanta

Madison Bank, Blue Bell, Pennsylvania -- to establish a branch at One Abington 

Plaza, Jenkintown.

- Approved, August 18, 2000 

Philadelphia

Old Kent Bank, Grand Rapids, Michigan -- to establish a branch at 8000 W. Outer 

Drive, Detroit.

- Approved, August 14, 2000 

Chicago

Prairie Bank and Trust Company, Bridgeview, Illinois -- to establish a branch at 

Illinois Route 59 and Andrew Road, Plainfield.

- Approved, August 14, 2000 

Chicago

Salin Bank and Trust Company, Indianapolis, Indiana -- to establish a branch at 110 

W. Main Street, Fort Wayne.

- Returned, August 16, 2000 

Chicago

SouthTrust Bank, Birmingham, Alabama -- to establish branches at 13333 Northwest 

Freeway, Houston, Texas, and 13135 South Dairy Ashford, Sugar Land.

- Approved, August 15, 2000 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 1301 N. Tamiami Trail, 

Sarasota, Florida.

- Approved, August 16, 2000 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 9
H.2 Actions under delegated authority August 13, 2000 to August 19, 2000

Bank Holding Companies

Boston Private Financial Holdings, Inc., Boston, Massachusetts -- to acquire Sand 

Hill Advisors, Inc., Menlo Park, California, and thereby engage in investment 

advisory services.

- Approved, August 18, 2000 

Boston

Capitol Bancorp, Ltd., Lansing, Michigan, and Indiana Community Bancorp Limited, 

Elkhart, Indiana -- to acquire shares of Goshen Community Bank, Goshen, a de novo 

bank.

- Approved, August 14, 2000 

Chicago

Central Texas Bancshares Holdings, Inc., Columbus, Texas, and Colorado County 

Investment Holdings, Inc., Wilmington, Delaware -- to acquire Hill Bancshares 

Holdings, Inc., Weimar, Texas, and Hill Bank and Trust Company.

- Approved, August 18, 2000 

Dallas

Citizens Bancshares, Inc., Crawfordville, Florida -- to become a bank holding 

company and retain Citizens Bank-Wakulla as a subsidiary bank.

- Approved, August 16, 2000 

Atlanta

Concord EFS, Inc., Memphis, Tennessee -- to acquire Cash Station, Inc., Chicago, 

Illinois, and an interest in Primary Payment Systems, Inc., Scottsdale, Arizona, and 

thereby engage in data processing activities.

- Approved, August 18, 2000 

St. Louis

Dacotah Banks, Inc., Aberdeen, South Dakota -- to merge with Bowbells Holding 

Company, Bowbells, North Dakota, and thereby acquire First National Bank.

- Approved, August 16, 2000 

Minneapolis

First Home Bancorp, Inc., Seminole, Florida -- to become a bank holding company 

through the acquisition of First Home Bank.

- Approved, August 14, 2000 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 9
H.2 Actions under delegated authority August 13, 2000 to August 19, 2000

Bank Holding Companies

Greater Rome Bancshares, Inc., Rome, Georgia -- modification of a commitment.

- Approved, August 17, 2000 

Atlanta

Heartland Bancshares, Inc., Lenox, Iowa -- to acquire additional shares of Union 

Bank of Arizona, Gilbert, Arizona.

- Approved, August 17, 2000 

Chicago

Integrity Bancshares, Inc., Alpharetta, Georgia -- to become a bank holding company 

through the acquisition of Integrity Bank.

- Approved, August 17, 2000 

Atlanta

NWI Financial Corporation, Seattle, Washington -- to become a bank holding 

company through the acquisition of Northwest International Bank.

- Approved, August 14, 2000 

San Francisco

Sonoma Valley Bancorp, Sonoma, California -- to become a bank holding company 

through the acquisition of Sonoma Valley Bank.

- Approved, August 14, 2000 

San Francisco

Union Bankshares Company, Ellsworth, Maine -- to acquire Mid-Coast Bancorp, 

Inc., Waldoboro, and Waldoboro Bank, FSB, and for Waldoboro Bank to merge 

with Union Trust Company, Ellsworth.

- Approved, August 18, 2000 

Boston

VBI, Inc., Colorado Springs, Colorado -- to become a bank holding company 

through reorganization by the current shareholders of Vista Bank.

- Withdrawn, August 16, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 9
H.2 Actions under delegated authority August 13, 2000 to August 19, 2000

Bank Mergers

Highlands Union Bank, Abingdon, Virginia -- to acquire the Rogersville, Tennessee, 

branch of First Vantage Bank/Tri Cities, Bristol, Virginia.

- Approved, August 14, 2000 

Richmond

Banks, Nonmember, And Miscellaneous Institutions

New Milford Savings Bank, New Milford, Connecticut -- to acquire Nutmeg Federal 

Savings and Loan Association, Danbury.

- Approved, August 15, 2000 

Boston

Capital Stock

Lamar Capital Corporation, Purvis, Mississippi -- repurchase of common stock.

- Approved, August 18, 2000 

Atlanta

Change In Bank Control

Citizens Bancorporation, Crockett, Texas -- change in bank control.

- Permitted, August 16, 2000 

Dallas

First Robinson Financial Corporation, Robinson, Illinois -- change in bank control.

- Permitted, August 18, 2000 

St. Louis

Competitive Factors Reports

BSB Bank & Trust Company, Binghamton, New York -- report on competitive 

factors of the proposed merger with NBT Bank, National Association, Norwich.

- Submitted, August 17, 2000 

New York

(AC) = Addition or Correction Delegated - Page 4 of 9
H.2 Actions under delegated authority August 13, 2000 to August 19, 2000

Competitive Factors Reports

The Community's Bank, Bridgeport, Connecticut -- report on competitive factors of 

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

branches in Bridgeport, Hartford, and Bloomfield of Fleet National Bank, 

Providence, Rhode Island.

- Submitted, August 18, 2000 

New York

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

the proposed merger with First American Bank, SSB.

- Submitted, August 18, 2000 

Dallas

First National Bank in Garretson, Garretson, South Dakota -- report on competitive 

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

branches of First National Bank & Trust, Pipestone, Minnesota, located in Luverne, 

Magnolia, and Beaver Creek.

- Submitted, August 14, 2000 

Minneapolis

The Heritage Bank, Lucama, North Carolina -- report on competitive factors of the 

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

First-Citizens Bank & Trust Company, Raleigh.

- Submitted, August 17, 2000 

Richmond

Hurley State Bank, Sioux Falls, South Dakota -- report on competitive factors of the 

proposed merger with Jewelers National Bank, Tempe, Arizona.

- Submitted, August 14, 2000 

Minneapolis

iBank, Bloomington, Minnesota -- report on competitive factors of the proposed 

acquisition of the Mall of America branch of Fidelity Federal Bank, FSB, Glendale, 

California.

- Submitted, August 14, 2000 

Minneapolis

(AC) = Addition or Correction Delegated - Page 5 of 9
H.2 Actions under delegated authority August 13, 2000 to August 19, 2000

Competitive Factors Reports

Katahdin Trust Company, Patten, Maine -- report on competitive factors of the 

proposed acquisition of eight branches of Peoples Heritage Bank, N.A., Portland.

- Submitted, August 18, 2000 

Boston

National Bank of California, Los Angeles, California -- report on competitive factors 

of the proposed merger with Interim National Bank of California.

- Submitted, August 14, 2000 

San Francisco

New First Minnesota Bank, National Association, Minnetonka, Minnesota -- report 

on competitive factors of the proposed merger with First Minnesota Bank, National 

Association, Glencoe.

- Submitted, August 15, 2000 

Minneapolis

Northfield Savings Bank, Northfield, Vermont -- report on competitive factors of the 

proposed merger with New Northfield Savings Bank.

- Submitted, August 15, 2000 

Boston

Redwood Bank, San Francisco, California -- report on competitive factors of the 

proposed merger with First Bank and Trust, Newport Beach.

- Submitted, August 17, 2000 

St. Louis

Union State Bank, Nanuet, New York -- report on competitive factors of the 

proposed purchase of certain assets and assumption of certain liabilities of La Jolla 

Bank, FSB, Rancho Sante Fe, California.

- Submitted, August 17, 2000 

New York

Wachovia Bank, National Association, Winston-Salem, North Carolina -- report on 

competitive factors of the proposed merger with National Bank of Commerce, 

Winter Park, Florida.

- Submitted, August 14, 2000 

Richmond

(AC) = Addition or Correction Delegated - Page 6 of 9
H.2 Actions under delegated authority August 13, 2000 to August 19, 2000

Extensions Of Time

Baytree Bancorp, Inc., Chicago, Illinois -- extension to November 29, 2000, to 

become a bank holding company through the acquisition of Baytree National Bank & 

Trust Company, a de novo bank.

- Granted, August 17, 2000 

Chicago

Commercial Capital Corporation, De Kalb, Mississippi -- extension to November 17, 

2000, to engage in making, acquiring, brokering, or servicing loans or other 

extensions of credit.

- Granted, August 15, 2000 

Atlanta

HSBC Bank USA, Buffalo, New York -- extension to November 25, 2000, to merge 

with Republic Bank California, National Association, Beverly Hills, California, and 

thereby establish branches.

- Granted, August 14, 2000 

New York

Iowa State Bank Holding Company, Des Moines, Iowa -- extension to November 

15, 2000, to engage de novo through its subsidiary, Capitol Partners, LC in 

community development activities.

- Granted, August 14, 2000 

Chicago

Mayville Financial Corporation, Mayville, Michigan -- extension to November 24, 

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

Bank.

- Granted, August 17, 2000 

Chicago

United Financial Holdings Corporation, Lisle, Illinois -- extension to November 12, 

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

Community Bank of Lisle, a de novo bank.

- Granted, August 11, 2000 (AC)

Chicago

(AC) = Addition or Correction Delegated - Page 7 of 9
H.2 Actions under delegated authority August 13, 2000 to August 19, 2000

Financial Holding Companies

Fentura Bancorp, Inc., Fenton, Michigan -- election to become a financial holding 

company.

- Effective, August 18, 2000 

Chicago

First Mazon Bancorp, Inc., Mazon, Illinois -- election to become a financial holding 

company.

- Effective, August 14, 2000 

Chicago

Kish Bancorp, Inc., Belleville, Pennsylvania -- election to become a financial holding 

company.

- Effective, August 16, 2000 

Philadelphia

Middlefield Banc Corp., Middlefield, Ohio -- election to become a financial holding 

company.

- Effective, August 18, 2000 

Cleveland

Membership

The Bank of Lyon County, Eddyville, Kentucky -- to become a member of the 

Federal Reserve System, to be renamed Area Bank and relocated to Owensboro, and 

to retain branches.

- Approved, August 18, 2000 

St. Louis

First Pryority Bank, Pryor, Oklahoma -- to retain membership in the Federal Reserve 

System after conversion from a national to a state charter.

- Approved, August 18, 2000 

Kansas City

Lakeside Bank of Salina, Salina, Oklahoma -- membership in the Federal Reserve 

System.

- Approved, August 18, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 8 of 9
H.2 Actions under delegated authority August 13, 2000 to August 19, 2000

Membership

The Tilden Bank, Tilden, Nebraska -- membership in the Federal Reserve System.

- Approved, August 18, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 9 of 9
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, August 19, 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

4(c)(8) FleetBoston Financial Corporation, Boston, Massachusetts - to

acquire up to 9% of North Fork Bancorporation, Inc., Melville,

New York and to indirectly acquire an ownership interest in

Dime Bancorp, Inc., New York, New York

Newspaper - N/Avail Fed

Reg - 09/08/2000

3(a)(1) Northfield MHC and Northfield Bancorp., both Northfield,

Vermont - to become a mutual bank holding company and a

stock bank holding company, respectively, through the

acquisition of Northfield Savings Bank, Northfield, Vermont

Newspaper - 09/10/2000

Fed Reg - 09/15/2000

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Fourth Quarter of 2000

Institution Location

Boston Safe Deposit and Trust Company Boston, Massachusetts

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

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

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

circumstances.
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, August 19, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Leonia Corporate Bank plc, Helsinki, Finland, and Leonia Plc,

Helsinki, Finland, to establish a representative office in New

York, New York.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

4(c)(8) Queens County Bancorp, Inc., Flushing, New York, to acquire

Haven Bancorp, Inc., Westbury, New York and CFS Bank,

Woodhaven, New York.*

Newspaper – N/Avail Fed

Reg – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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, August 19, 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 Fourth Quarter of 2000

Institution Location

First Penn Bank Philadelphia, PA

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

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

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

circumstances.
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, August 19, 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

2836306 Buckeye Community Bank

105 Sheffield Center

Lorain, OH 44055

05/30/2000 08/15/2000 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, August 19, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Virginia Commerce Bank, Arlington, Virginia, to establish a

branch at 13881G Metrotech Drive, Chantilly, Virginia.*

Newspaper - 09/05/2000

*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)(1) Countrywide Credit Industries, Inc. and Countrywide Financial

Holding Company, Inc., both located in Calabasas, California,

and Effinity Financial Corporation, Alexandria, Virginia, to

become bank holding companies through the acquisition of

Effinity Bank, National Association (currently Treasury Bank

Ltd.), Washington, D. C.

Fed Reg - N/Avail

Newspaper - N/Avail

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Membership Calvin B. Taylor Banking Co. of Berlin, MD, Berlin, 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

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, August 19, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Compass Bank, Birmingham, Alabama, to establish a branch

located at 200 Concord Plaza, Suite 201, San Antonio, Texas.

09/02/2000

Branch Commercial Bank, Harrogate, Tennessee, to establish a branch

located at the northeast corner of Kingston Pike and Debusk

Lane, Knoxville, Tennessee.

08/24/2000

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

Type Application

Ending date of

comment period

3(a)(1) RCK, Inc., Jacksonville, Florida, to become a bank holding

company by acquiring CenterBank of Jacksonville, N.A.,

Jacksonville, Florida (in organization).

Not yet available*

CIC Sarasota BanCorporation, Inc., Sarasota, Florida, after-the-fact

notification filed by Gilbert J. Wellman; Mary E. Wellman;

Robert F. Wellman; Barbara L. Lundgren, Charles V. Wellman,

Margaret Eckstein, Mary M. Kearny, Geoffrey N. Kearney,

David L. Wellman, Curtis P. Wellman, and Ann F. Wellman

(collectively, the Gilbert J. Wellman Family), to retain an

additional 0.8 percent of the outstanding shares of Sarasota

BanCorporation, Inc., Sarasota, Florida. Total ownership will be

34.5 percent.

Not yet available

3(a)(1) Port City Holding Company, Inc., Bainbridge, Georgia, Afterthe-fact notification by Mr. James Edwin Sharber, Bainbridge,

Georgia, and his immediate family who include the following:

Ms. Tabitha Gail Sharber; Mr. James E. Sharber III; Mr. Jerry

Sharber; Ms. Sandra Lynn Sharber; Ms. Patricia Ann Sharber;

Mr. Elysia Jy Sharber; Mr. James E. Sharber, Jr.; Ms. Gail

Sharber; Ms. Lisa Ann Sharber; Ms. Martha Clement; and Mr.

Harold Clement, all of Bainbridge, Georgia; and Mr. Pete

Sharber, Hazelhurst, Georgia, to retain 12.01 percent of the

outstanding shares of Port City Holding Company, Incorporated,

and its subsidiary, First Port City Bank, both of Bainbridge,

Georgia.

Newspaper – 09/08/2000
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) Peoples Bancorp, Inc., Carrollton, Georgia, prior notification

filed by Phillip Eugene Kauffman, Barbara Kauffman, Christine

Kauffman, Jason Kauffman, Ryan Kauffman, and Scott

Kauffman to collectively acquire up to 100 percent of

outstanding shares of Peoples Bancorp, Inc., Carrollton,

Georgia.

Newspaper - 08/23/2000

3(a)(1) Pinnacle Financial Partners, Inc., Nashville, Tennessee, to

become a bank holding company by acqiring Pinnacle National

Bank, Nashville, Tennessee (in organization).

Fed Reg – 08/25/2000*

*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

24A Commercial Bank, Harrogate, Tennessee, requests to increase its

investment in bank premises.

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
Section V – Availability of CRA public evaluations

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, August 19, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First Community Bank, Harbor Springs, Michigan, for prior

approval to establish a branch at 201 N. Main Street,

Cheboygan, Michigan.*

Newspaper –09/07/2000

Branch Old Kent Bank, Grand Rapids, Michigan, for prior approval to

establish a branch at 52 North Saginaw, Pontiac, Michigan and

3297 Five Points Drive, Auburn Hills, Michigan.*

Newspaper –08/02/2000

* 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

CIC Notification by Edwin L. Adler, of a Change in Control to

acquire an additional 14.98 percent of Clarkston Financial

Corporation, Clarkston, Michigan and thereby to control 24.47

percent of the voting shares of Clarkston Financial Corporation.

Fed Reg – 08/30/2000

Newspaper – 08/28/2000

3(a)(1) Premier Bancorp, Inc., Wilmette, Illinois, for prior approval to

become a bank holding company through the acquisition of 100

percent of the voting shares of Premier Bank, Wilmette,

Illinois.*

Fed Reg – 09/11/2000

Newspaper – N/Avail

3(a)(3) F.F. Holding Corp., Chicago, Illinois, for prior approval to

acquire 37.5 percent of the voting shares of Rush-Oak

Corporation, Chicago, Illinois and thereby indirectly acquire

Oak Bank, Chicago, Illinois.*

Fed Reg – N/Avail

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Southern Michigan Bancorp, Inc., Coldwater, Michigan,

notification of intent to acquire an investment in H.O.M.E.

Limited Dividend Housing Association Limited Partnership

through Sturgis Bank and Trust Company's, Sturgis, Michigan,

24 percent interest in First Michiana Development Corporation,

Holland, Michigan, and thereby engage in community

development activities.

Fed Reg – 09/06/2000

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

566841 M&I Bank Fox Valley

221 W. College Avenue

Appleton, Wisconsin 54911-5859

(920) 738-3800

02/29/2000 08/17/2000 S X
Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, August 19, 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) Notice by New Frontier Bancshares, Inc., St. Charles, Missouri,

to acquire New Frontier Bank, St. Charles, Missouri (in

organization). (A companion Section 3(a)(3) notice

accompanies this notice).*

Newspaper – 9/15/2000

Fed Reg – 9/18/2000

3(a)(3) Notice by Mercantile Bancorp, Inc., Quincy, Illinois, to acquire

a minority interest in New Frontier Bancshares, Inc., St. Charles,

Missouri, a proposed bank holding company for New Frontier

Bank, St. Charles, Missouri (in organization). (A companion

Section 3(a)(1) notice accompanies this notice).*

Newspaper – 9/15/2000

Fed Reg – 9/18/2000

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, August 19, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

BKBR First State Bank of Warner, Warner, South Dakota, proposes to

establish a branch at 3315 6th Ave SE, Aberdeen, South

Dakota.*

N/Avail.

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(5) Flathead Holding Company of Bigfork, Bigfork, Montana,

proposes to acquire 100% of the voting shares of Mountain

Bank Systems, Inc., Bigfork, Montana.*

Fed Reg – 09/15/2000

*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

256553 Dacotah Bank

Aberdeen, South Dakota

01/31/2000 08/15/2000 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, August 19, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) / Branch Platte Valley State Bank & Trust Company, Kearney, Nebraska,

to merge with Independent Trust Company, Grand Island,

Nebraska, and incident thereto, to establish a branch.

Newspaper - N/Avail

Branch First State Bank of Taos, Taos, New Mexico, to establish a

branch at Eubank Boulevard and Showheights Streets,

Albuquerque, New Mexico,

Newspaper - 09/10/2000

Branch First State Bank of Taos, Taos, New Mexico, to establish a

branch on a pad site at the Home Depot located at 200 Eubank

Boulevard, Albuquerque, New Mexico.

Newspaper - 08/20/2000

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

Type Application

Ending date of

comment period

3(a)(1) First Liberty Capital Corporation ESOP, Hugo, Colorado, to

become a bank holding company through the acquisition of

25.37 percent of the voting shares of First Liberty Capital

Corporation, Hugo, Colorado, and thereby indirectly acquire

First National Bank of Hugo, Hugo, Oklahoma.

Newspaper - N/Avail

Fed Reg - N/Avail

3(a)(3) Central Financial Corporation, Hutchinson, Kansas, to acquire

20 percent of the voting shares of Bank of Nevada, Las Vegas,

Nevada, a de novo bank in organization.

Newspaper - N/Avail

Fed Reg - 09/15/2000

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 First Pyority Bank, Pryor, Oklahoma, currently known as First

National Bank of Pryor Creek, Pryor, Oklahoma, to remain a

member of the Federal Reserve System following its conversion

from a national to a state chartered institution.

Member Tilden Bank, Tilden, Nebraska, for membership in the Federal

Reserve System.

Member Peoples Bank, Oklahoma City, Oklahoma, currently known as

Peoples National Bank, Oklahoma City, Oklahoma, 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, August 19, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Texas Bank, Weatherford, TX, to establish a branch office at

1600 West Rosedale, Fort Worth, TX, 76104*

N/Avail

*Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

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

Tradition Bancshares of Delaware, Inc., Wilmington, DE, and

First National Bank of Bellaire, Houston, TX*

Fed Reg – 09/15/2000

Newspaper – 09/12/2000

3(a)(1) Tradition Bancshares of Delaware, Inc., Wilmington, DE, to

acquire First National Bank of Bellaire, Houston, TX*

Fed Reg – 09/15/2000

Newspaper – 09/12/2000

*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, August 19, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

office at 2001 W. Redondo Beach Boulevard, Gardena,

California. *

Newspaper - 08/24/2000

Branch California Center Bank, Los Angeles, California, to establish a

branch office at 11812 E. South Street, Cerritos, California. *

Newspaper - 09/07/2000

Branch California Center Bank, Los Angeles, California, to establish a

branch office at 1059 S. San Pedro Street, Los Angeles,

California. *

Newspaper - 09/07/2000

Branch Westamerica Bank, San Rafael, California, to establish a mobile

branch office in Napa, California. *

Newspaper - 08/29/2000

FBSEA Grand Commercial Bank, Taipei, Taiwan, to establish a

wholesale branch office in the vicinity of Colima and Agusa

Avenues, City of Industry, California. *

Newspaper - N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) BOU Bancorp, Inc., to become a bank holding company by

acquiring Bank of Utah, both of Ogden, Utah. *

Newspaper - 09/14/2000

Fed Reg - N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

3(a)(5)(C) Central Valley Community Bancorp to become a bank holding

company by acquiring Clovis Community Bank, both of Clovis,

California.

Waiver Olympic Bancorp, Port Orchard, Washington, requests a waiver

of any bank holding company application requirement in

connection with its proposed conversion of corporate status from

a C corporation to an S corporation.

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