Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 49

Week Ending December 2, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions November 26, 2000 to December 2, 2000

Bank Holding Companies

The Bank of Tokyo-Mitsubishi, Ltd., Tokyo, Japan -- request for temporary 

exemption to acquire additional shares of KOKUSAI Securities Co., Ltd. and to 

permit KOKUSAI America Incorporated, New York, New York, to continue to 

engage in securities activities in the United States.

- Granted, November 27, 2000 

Queens County Bancorp, Inc., Flushing, New York -- to acquire and merge with 

Haven Bancorp, Inc., Westbury, and thereby acquire CFS Bank, Woodhaven.

- Approved, November 29, 2000 

Regulations And Policies

Acquisitions of small depository institutions -- proposed amendments to delegate 

authority to the Federal Reserve Banks to approve certain bank holding company 

and bank merger applications to acquire small depository institutions.

- Approved, November 28, 2000 

Regulation C (Home Mortgage Disclosure) -- publication for comment of proposed 

amendments on expanded coverage of nondepository lenders, simplified definitions 

of certain reportable loans, mandatory reporting of home-equity lines of credit, and 

collection of additional information.

- Approved, November 29, 2000 

Enforcement

Caisse Nationale de Credit Agricole, Paris, France; Credit Agricole Indosuez; and 

Credit Agricole Indosuez, New York Branch, New York, New York -- written 

agreement dated November 30, 2000, with the Federal Reserve Bank of New York 

and the New York State Banking Department.

- Announced, December 1, 2000 

CSB Bancorp, Inc., Millersburg, Ohio; and The Commercial and Savings Bank of 

Millersburg -- written agreement dated November 22, 2000, with the Federal 

Reserve Bank of Cleveland and the Ohio Division of Financial Institutions.

- Announced, November 30, 2000 

Union Planters National Bank, Memphis, Tennessee -- final decision and order of 

prohibition against Sammie R. Golden, a former employee.

- Announced, December 1, 2000 

(AC) = Addition or Correction Board - Page 1 of 1
November 26, 2000 to December 2, 2000

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

The Brand Banking Company, Lawrenceville, Georgia -- to establish a branch at 

5319 Atlanta Highway, Flowery Branch.

- Approved, November 29, 2000 

Atlanta

Colonial Bank, Montgomery, Alabama -- to establish a branch at 2100 Stonebridge 

Boulevard, Bremen, Georgia.

- Approved, November 28, 2000 

Atlanta

HSBC Bank USA, Buffalo, New York -- to establish a branch at 2199 Ponce de 

Leon Boulevard, Coral Gables, Florida.

- Approved, November 30, 2000 

New York

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 303 South Broadway, Tarrytown.

- Approved, December 1, 2000 

New York

Markesan State Bank, Markesan, Wisconsin -- to establish a branch at 825 N. 

Margaret Street.

- Approved, December 1, 2000 

Chicago

New Peoples Bank, Inc., Honaker, Virginia -- to establish a branch at 685 East Main 

Street, Lebanon.

- Approved, November 29, 2000 

Richmond

Pioneer Bank, Stanley, Virginia -- to establish a branch at 8315 Spotswood Trail, 

Stanardsville.

- Approved, November 30, 2000 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority November 26, 2000 to December 2, 2000

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish branches at 10900 Parkside Drive, 

Knoxville, Tennessee, and 22500 Pleasant Valley Road, Winchester, Virginia.

- Approved, November 27, 2000 

Atlanta

Bank Holding Companies

Capitol Bancorp, Ltd., Lansing, Michigan; Sun Community Bancorp Limited, 

Phoenix, Arizona; and Sunrise Capital Corporation, Albuquerque, New Mexico -- to 

acquire shares of Sunrise Bank of San Diego, San Diego, California, a de novo bank.

- Approved, November 30, 2000 

Chicago

Covenant Bancgroup, Inc., Leeds, Alabama -- to engage de novo in securities 

brokerage services.

- Approved, November 30, 2000 

Atlanta

F.N.B. Corporation, Hermitage, Pennsylvania -- to acquire shares of Sun Bancorp, 

Inc., Selinsgrove.

- Approved, November 27, 2000 

Cleveland

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

The San Francisco Company, San Francisco, California.

- Approved, November 29, 2000 

St. Louis

First Community Bancshares, Inc., Bargersville, Indiana -- to acquire Blue River 

Federal Savings Bank, Edinburgh.

- Withdrawn, November 22, 2000 (AC)

Chicago

Lauritzen Corporation, Omaha, Nebraska -- to acquire Diversified Financial Services, 

Inc. and shares of First National of Nebraska, Inc.

- Withdrawn, November 27, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority November 26, 2000 to December 2, 2000

Bank Holding Companies

MetLife, Inc., New York, New York -- extension to December 8, 2000, to receive 

comments from several commenters in connection with the application to acquire 

Grand Bank, N.A., Kingston, New Jersey.

- Granted, December 1, 2000 

Secretary

Mid-Iowa Bancshares Co., Algona, Iowa -- to acquire Ruthven Investment, Ltd., 

Ruthven, and Ruthven State Bank.

- Approved, November 30, 2000 

Chicago

Prosperity Bancshares, Inc., Houston, Texas; and Prosperity Holdings, Inc., 

Wilmington, Delaware -- to acquire Commercial Bancshares, Inc., Houston, Texas; 

Heritage Bank, Wharton; and Heritage Bancshares, Inc., Wilmington, Delaware.

- Withdrawn, December 1, 2000 

Dallas

Southern Community Bancorp, Orlando, Florida -- to acquire Southern Community 

Bank of Southwest Florida, Bonita Springs.

- Approved, November 27, 2000 

Atlanta

Southwest Bancorporation of Texas, Inc., Houston, Texas; and Southwest Holding 

Delaware, Inc., Wilmington, Delaware -- to acquire Citizens Bankers, Inc., Citizens 

Bank and Trust Company of Baytown, and Baytown State Bank, all of Baytown, 

Texas; Pasadena State Bank, Pasadena; First National Bank of Bay City, Bay City; 

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

- Approved, November 28, 2000 

Dallas

Spectrum Bancorporation, Inc., Omaha, Nebraska -- to merge with Great Western 

Securities, Inc. and thereby acquire Great Western Bank.

- Approved, November 27, 2000 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority November 26, 2000 to December 2, 2000

Bank Holding Companies

SSB Management, LLC, Wilber, Nebraska; and First National Johnson Bancshares, 

Inc., Johnson -- for SSB Management, LLC to become a bank holding company 

through the acquisition of shares of Wilber Company, Wilber; for First National 

Johnson Bancshares to acquire shares of Wilber Company; and for Wilber Company 

to acquire Saline State Insurance Agency, LLC, and thereby engage in insurance 

agency activities in towns with populations not exceeding 5,000.

- Approved, November 27, 2000 

Kansas City

TTAC Corporation, Manhattan, Kansas -- to become a bank holding company 

through the acquisition of Community First National Bank.

- Approved, November 27, 2000 

Kansas City

Whitney Holding Corporation, New Orleans, Louisiana -- to acquire American Bank, 

Houston, Texas.

- Approved, November 29, 2000 

Atlanta

Bank Mergers

Adams Bank & Trust, Ogallala, Nebraska -- to merge with Bank of ColoradoWestern Slope, Grand Junction, Colorado, and thereby establish branches.

- Approved, November 29, 2000 

Kansas City

Bank of Colorado, Fort Lupton, Colorado -- to purchase the assets and assume the 

liabilities of Bank of Colorado-Western Slope, Grand Junction, and thereby establish 

branches.

- Approved, November 28, 2000 

Kansas City

Capital City Bank, Tallahassee, Florida -- to acquire the assets and assume the 

liabilities of six Georgia branches of First Union National Bank, Charlotte, North 

Carolina.

- Approved, December 1, 2000 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority November 26, 2000 to December 2, 2000

Bank Mergers

Harris Trust Bank of Arizona, Scottsdale, Arizona -- to merge with Century Bank 

and thereby establish branches at 100 Easy Street, Carefree; 19828 North 27th 

Avenue, Phoenix; and 34525 North Scottsdale Road, Scottsdale.

- Approved, November 27, 2000 

Chicago

Banks, State Member

First Market Bank, Richmond, Virginia -- relocation of master account to the Federal 

Reserve Bank of Richmond.

- Permitted, November 30, 2000 

Secretary

Capital Stock

Security Bank Minneapolis, Albert Lea, Minnesota -- to reduce capital stock.

- Approved, December 1, 2000 

Minneapolis

Change In Bank Control

American National Bancshares, Inc., Ruston, Louisiana -- change in bank control.

- Permitted, November 29, 2000 

Dallas

Banque of Maringouin Holding Company, Maringouin, Louisiana -- change in bank 

control.

- Permitted, November 28, 2000 

Atlanta

Cummins-American Corp., Glenview, Illinois -- change in bank control.

- Permitted, November 27, 2000 

Chicago

Evangeline Bancshares, Inc., Ville Platte, Louisiana -- change in bank control.

- Permitted, November 27, 2000 

Atlanta

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority November 26, 2000 to December 2, 2000

Change In Bank Control

Vermeer Investment Company, Pella, Iowa -- change in bank control and redemption 

of shares.

- Permitted, November 27, 2000 

Chicago

Competitive Factors Reports

Associates National Bank, Newark, Delaware -- report on competitive factors in 

connection with change in bank control.

- Submitted, November 30, 2000 

New York

The Boston Bank of Commerce, Boston, Massachusetts -- report on competitive 

factors of the proposed merger with Founders National Bank, Los Angeles, 

California.

- Submitted, November 13, 2000 (AC)

Boston

First Community Bank and Trust, Bargersville, Indiana -- report on competitive 

factors of the proposed merger with Blue River Federal Savings Bank, Edinburgh.

- Withdrawn, November 22, 2000 (AC)

Chicago

First National Bank, Christiansburg, Virginia -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Pearisburg and 

Wytheville branches of First Union National Bank, Charlotte, North Carolina.

- Submitted, November 29, 2000 

Richmond

Franklin Federal Savings and Loan Association of Richmond, Glen Allen, Virginia -- 

report on competitive factors of the proposed merger with Franklin Federal Interim 

Savings Association.

- Submitted, November 28, 2000 

Richmond

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority November 26, 2000 to December 2, 2000

Competitive Factors Reports

Mason National Bank, Mason, Texas -- report on competitive factors of the 

proposed merger with Interim Mason National Bank.

- Submitted, November 30, 2000 

Dallas

Minotola National Bank, Vineland, New Jersey -- report on competitive factors of 

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

branches in Bridgeton, Glassboro, Vineland, and Somers Point of Mellon Bank, 

N.A., Pittsburgh, Pennsylvania.

- Submitted, November 30, 2000 

Philadelphia

Extensions Of Time

Charter One Financial, Inc., Cleveland, Ohio -- extension to November 30, 2001, to 

divest certain real estate investments.

- Granted, December 1, 2000 

Director, BS&R

Commercial Bank, Harrogate, Tennessee -- extension to February 28, 2001, to 

increase investment in bank premises.

- Granted, November 27, 2000 

Atlanta

Farmers & Merchants Bank of Central California, Lodi, California -- extension to 

December 28, 2001, to establish a branch at 3500 Dale Road, Modesto.

- Granted, November 28, 2000 

San Francisco

FleetBoston Financial Corporation, Boston, Massachusetts -- extension to January 

31, 2001, to divest certain branches.

- Granted, November 29, 2000 

Director, BS&R

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority November 26, 2000 to December 2, 2000

Extensions Of Time

M&T Bank Corporation, Buffalo, New York; and Olympia Financial Corporation -- 

extension to March 8, 2001, to acquire Premier National Bancorp, Inc., 

LaGrangeville, and Premier National Bank, N.A., and for Manufacturers and Traders 

Trust Company, Buffalo, to merge with Premier Bank.

- Granted, November 30, 2000 

New York

MCNB Holding Company, Inc., Welch, West Virginia -- extension to March 15, 

2001, to become a bank holding company through the acquisition of McDowell 

County National Bank of Welch.

- Granted, November 30, 2000 

Richmond

Financial Holding Companies

First National Corporation, Grand Forks, North Dakota -- election to become a 

financial holding company.

- Effective, November 29, 2000 

Minneapolis

Zions Bancorporation, Salt Lake City, Utah -- election to become a financial holding 

company.

- Effective, November 28, 2000 

Secretary

Membership

Premier Bank, Denver, Colorado -- membership in the Federal Reserve System.

- Approved, November 29, 2000 

Kansas City

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

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, December 2, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, December 2, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Sparkasse Stockerau AG, Vienna, Austria, to establish federal

branches in Greenwich, Connecticut, and New York, New York,

and representative offices in San Francisco, California, and

Atlanta, Georgia.

Newspaper – N/Avail

FBSEA RheinHyp Rheinische Hypothekenbank, AG, Frankfurt,

Germany, to establish a representative office in New York, New

York.

Newspaper – N/Avail

Branch The Bank of New York, New York, New York, to establish a

new branch office at 188 Montague Street, Brooklyn, New

York.

Newspaper – 12/05/2000

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

Type Application

Ending date of

comment period

3(a)(1) Holland Bancorp, Inc., Holland, New York, to become a bank

holding company by acquiring 100 percent of the shares of

Bank of Holland, Holland, New York.*

Newspaper – 12/20/2000

Fed Reg – 12/22/2000

3(a)(1) Israel Salt Industries, Atlit, Israel ("Applicant"), to become a

bank holding company in connection with the establishment of

Signature Bank, New York, New York ("Signature Bank") by

Bank Hapoalim B.M., Tel Aviv, Israel ("Bank Hapoalim").

Applicant would become a bank holding company through its

direct and indirect control of 45.25 percent of the voting shares

of Bank Hapoalim B.M. Signature Bank would be a wholly

owned subsidiary of Bank Hapoalim.*

Newspaper – N/Avail

Fed Reg – 12/14/2000

Change in Control Change in Bank Control with regard to Patriot National

Bancorp, Inc., Stamford, Connecticut, by Angelo DeCaro,

Riverside, Connecticut to acquire up to 35 percent of Patriot

National Bancorp’s outstanding shares.*

Newspaper – N/Avail

Fed Reg – 12/06/2000
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) Arison Holdings (1998) Ltd., Tel Aviv, Israel ("Applicant"), to

become a bank holding company in connection with the

establishment of Signature Bank, New York, New York

("Signature Bank") by Bank Hapoalim B.M., Tel Aviv, Israel

("Bank Hapoalim"). Applicant would become a bank holding

company through its direct and indirect control of 45.25 percent

of the voting shares of Bank Hapoalim B.M. Signature Bank

would be a wholly owned subsidiary of Bank Hapoalim.*

Newspaper – N/Avail

Fed Reg – 12/18/2000

* 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

4(c)(8) Bayerische Hypo und Vereinsbank AG, Munich, Germany, to

acquire the nonbank subsidiaries of Bank Austria AG, Vienna,

Austria, and thereby engage in nonbanking activities.

Fed Reg – N/Avail

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

Type Application

None 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, December 2, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Orrstown Bank, Orrstown, PA, to establish a branch office at 13

Center Square, Greencastle, Borough of Greencastle, Franklin

County, PA.

12/16/2000

Member Landmark Community Bank, Pittston, PA, to become a member

of the Federal Reserve System.

N/Avail

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, December 2, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c)

Branch

Received application on 11/27/2000 from Fifth Third Bank,

Western Ohio, Dayton, OH to merge with Capital Bank, N.A.,

Sylvania, OH and incident thereto establish branches.

12/24/2000

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

Type Application

Ending date of

comment period

3(a)(5) Received application on 11/27/2000 from Fifth Third Bancorp,

Cincinnati, OH to acquire Capital Holdings, Inc., Sylvania, OH.

Fed Reg – 12/29/2000

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, December 2, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Community First Bank, Lynchburg, Virginia, to establish a

branch at 2301 Langhorne Road, Lynchburg, Virginia.*

Newspaper - 12/15/2000

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

branch at 50001 Governors Drive, Chapel Hill, North

Carolina.*

Newspaper - 12/30/2000

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

branch at 3002 Pacific Avenue, Virginia Beach, Virginia.*

Newspaper - 12/30/2000

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

2813790 Community First Bank

1646 Graves Mill Road

Lynchburg, Virginia 24502

09/18/2000 12/02/2000 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, December 2, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

the intersection of Monticello Avenue and Powhatan Parkway,

Williamsburg, Virginia, to be known as the Monticello

Marketplace Office.

11/30/2000*

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

2610 Boston Street, Baltimore, Maryland, to be known as the

Canton Safeway Branch.

11/30/2000*

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

3520 Walton Way Ext., Augusta, Georgia, to be known as the

Wheeler/Walton Office.

12/01/2000*

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) Milstar Financial, Inc., Miami Beach, Florida, to become a bank

holding company by acquiring First Western Bank, Cooper City,

Florida.

Newspaper - 01/05/2000*

*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

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

2817677 Bay Bank

10861 Dauphin Island Parkway

Theodore, Alabama 36582

(334) 973-0333

08/14/2000 11/28/2000 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, December 2, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

branch office at 7701 Grand River Road, Suite #1, Brighton,

Michigan.*

Newspaper – 11/30/2000

* 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

4(c)(8) Irwin Financial Corporation, Columbus, Indiana, for prior

approval to acquire 100 percent of the voting shares of Irwin

Union Bank, F.S.B. (in organization), Louisville, Kentucky.*

Fed Reg – 11/24/2000

Newspaper – 11/17/2000

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

approval to acquire 100 percent of the voting shares of Shoreline

Financial Corporation, Benton Harbor, Michigan, and thereby

indirectly acquire Shoreline Bank, Benton Harbor, Michigan.*

Fed Reg – 12/04/2000

Newspaper – 11/30/2000

3(a)(1) Woodford Bancshares, Inc., Monroe, Wisconsin, for prior

approval to become a bank holding company through the

acquisition of 100 percent of the voting shares of Woodford

State Bank, Woodford, Wisconsin.*

Fed Reg – 12/18/2000

Newspaper – 12/17/2000

CIC Notification by Martin Price of a Change of Control to retain

control as voting trustee of 97 percent of First Suburban

Bancorp Corporation, Maywood, Illinois.

Fed Reg – 12/15/2000

Newspaper – N/Avail

4(c)(8) FBOP Corporation, Oak Park, Illinois, for prior approval to

acquire 100 percent of the voting shares of PBOC Holdings,

Inc., Los Angeles, California, and thereby indirectly acquire

Peoples Bank of California, Los Angeles, California .*

Fed Reg – 01/02/2001

Newspaper – N/Avail

3(a)(5) Comerica Incorporated, Detroit, Michigan, for prior approval to

acquire 100 percent of the voting shares of Imperial Bancorp,

Inglewood, California, and thereby indirectly acquire Imperial

Bank, Inglewood, California .*

Fed Reg – 01/02/2001

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) National Australia Bank Limited, Melbourne, Australia,

notification of intent to acquire, indirectly through Homeside

Lending, Inc., Jacksonville, Florida, certain assets and liabilities

of Charles F. Curry Company, Kansas City, Missouri, and

thereby to engage in extending credit and servicing loans and

activities related to extending credit.

Fed Reg – 12/19/2000

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

2792064 Community Bank of Boone

1704 S. Marshall Street

Boone, Iowa 50036

(515) 433-4499

07/24/2000 11/27/2000 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, December 2, 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) Notice by Great Southern Bancorp, Inc., Springfield, Missouri,

to acquire up to 20 percent of Guaranty Federal Bancshares,

Inc., Springfield, Missouri. (Previously submitted during the

week ending November 25, 2000)*

Newspaper – N/Avail.

Fed Reg – 12/26/2000

4(c)(8), 4(c)(8) Companion notices by Union Planters Corporation, Memphis,

Tennessee, and its wholly owned bank holding company

subsidiary, Union Planters Holding Corporation, Memphis,

Tennessee, to acquire Jefferson Savings Bancorp, Inc, Ballwin,

Missouri. (Previously submitted during the week ending

November 25, 2000)*

Newspaper – 12/18/2000

Fed Reg – 12/22/2000

CIC Notice involving Hardin County Bancshares, Inc., Savannah,

Tennessee, by Hardin County Bancshares, Inc. Employee Stock

Ownership Plan, Savannah, Tennessee (“ESOP”), to retain a

10.13 percent ownership interest, and by Mr. Eddie K. Whitlow,

Savannah, Tennessee, as trustee of ESOP, individually, and as

executor, to retain an aggregate 15.76 percent controlling

interest. (Previously submitted during the week ending

November 25, 2000)

Newspaper – 12/22/2000

Fed Reg – 12/29/2000

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

Type Application

Ending date of

comment period

4(c)(8) Notice by Community First Bancshares, Inc., Union City,

Tennessee, to engage directly in finance company activities,

pursuant to Section 225.28(b)(1) of Regulation Y.

12/21/2000

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, December 2, 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

2631172 State Bank of La Crosse

La Crosse, Wisconsin

08/07/2000 11/27/2000 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, December 2, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Stephen Dale Kroenke, Douglas Brett Kroenke, and Dwight

Alan Kroenke, all of Lincoln, Missouri, for prior approval to

acquire voting shares of Lincoln Bancshares, Inc., Lincoln,

Missouri, and thereby indirectly acquire Farmers Bank of

Lincoln, Lincoln, Missouri.

Newspaper – 12/20/2000

FedReg – 12/21/2000

3(a)(3) United Nebraska Financial Company, Grand Island, Nebraska,

for prior approval to acquire 80 percent of the voting shares of

Desert Valley National Bank at Cave Creek, Cave Creek,

Arizona, a de novo bank in organization.

Newspaper – N/Available

FedReg – 12/26/2000

3(a)(1) Garden City Bancshares Acquisition Corporation, Garden City,

Missouri, for prior approval to become a bank holding company

by acquiring 100 percent of the voting shares of Garden City

Bancshares, Inc., Garden City, Missouri, and thereby indirectly

acquire Garden City Bank, Garden City, Missouri.

Newspaper – N/Available

FedReg – 12/29/2000

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, December 2, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(5) Prosperity Bancshares, Inc., Houston, TX, and

Prosperity Holdings, Inc., Wilmington, DE, to acquire

Commercial Bancshares, Inc., Houston, TX,

Heritage Bancshares, Inc., Wilmington, DE, and

Heritage Bank, Wharton, TX*

Fed Reg – 12/21/2000

Newspaper – N/Avail

CIC Carl W. Ellis, Perryton, TX, only notificant, to acquire an

interest in FirstPerryton Bancorp, Inc., Perryton, TX

Fed Reg – 12/18/2000

Newspaper – 12/02/2000

CIC Stewart Larkin Armstrong, San Antonio, TX, to acquire an

interest in Kleberg and Company Bankers, Inc., Kingsville, TX

Fed Reg – 12/19/2000

Newspaper – N/Avail

3(a)(1) Triple J Financial, Inc., Claude, TX, to acquire

First Caprock Bancshares, Inc., Claude, TX, and

First National Bank of Claude, Claude, TX*

Fed Reg – 01/02/2000

Newspaper – 12/23/2000

*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

3(a)(1) Charter Bancshares, Inc., Corpus Christi, TX, to acquire

Charter IBHC, Inc., Wilmington, DE, and

Charter Bank-Northwest, Corpus Christi, TX*

3(a)(1) Charter IBHC, Inc., Wilmington, DE, to acquire

Charter Bank-Northwest, Corpus Christi, TX*

*Subject to the provisions of the Community Reinvestment Act

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

637451 PNB Financial Bank

5010 University Avenue

Lubbock, Texas 79413

08/14/2000 11/25/2000 S X

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, December 2, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Placer Sierra Bank, Auburn, California, to establish a branch

office at 33384 Coach Lane, Cameron Park, California. *

Newspaper - 11/29/2000

* 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) Mitsubishi Tokyo Financial Group, Inc., Tokyo, Japan, to

become a bank holding company by acquiring Bank of TokyoMitsubishi Trust Company, New York, New York; Mitsubishi

Trust and Banking Corporation (U.S.A.), New York, New York;

and UnionBanCal Corporation, San Francisco, California. *

Newspaper - 12/20/2000

Fed Reg - 12/21/2000

CIC David B. and Mary T. Weyrich, Paso Robles, to acquire

additional shares of Heritage Oaks Bancorp, Paso Robles,

California. *

Newspaper - 12/11/2000

Fed Reg - 12/04/2000

* 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

4(c)(9) The Bank of Tokyo-Mitsubishi, Ltd., Tokyo, Japan, to increase

ownership up to approximately 32.78 percent of Kokusai

Securities, Ltd., Tokyo, Japan.

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

785062 Santa Barbara Bank & Trust

1021 Anacapa Street

Santa Barbara, CA 93101-2102

(805) 564-6300

07/24/2000 11/28/2000 O X

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.

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None