Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 39

Week Ending September 25, 1999

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions September 19, 1999 to September 25, 1999

Bank Holding Companies

Canadian Imperial Bank of Commerce, The CIBC World Markets Corporation, and 

CIBC World Markets Inc., all of Toronto, Canada, and CIBC Delaware Holdings 

Inc., New York, New York -- to acquire CIBC National Bank, Maitland, Florida.

- Approved, September 20, 1999 

Regulations And Policies

Delayed disbursement -- revised and consolidated policy statement.

- Published, September 20, 1999 

National flood insurance program -- report to Congress on state member bank 

compliance.

- Approved, September 20, 1999 

Reserve Bank Operations

Directors -- appointment of Chairmen and Deputy Chairmen of the 12 Federal 

Reserve Banks for 2000.

- Announced, September 20, 1999 

(AC) = Addition or Correction Board - Page 1 of 1
September 19, 1999 to September 25, 1999

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

Bank of Bentonville, Bentonville, Arkansas -- to establish branches in Fort Smith at 

3200 Rogers Avenue and at 3421 South 74th Street.

- Approved, September 21, 1999 

St. Louis

East Penn Bank, Emmaus, Pennsylvania -- to establish a branch at 851 North Street.

- Approved, September 20, 1999 

Philadelphia

Fifth Third Bank of Northern Kentucky, Inc., Florence, Kentucky -- to establish a 

branch at 1751 Patrick Drive, Burlington.

- Approved, September 23, 1999 

Cleveland

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 3550 Shaw Avenue.

- Approved, September 24, 1999 

Cleveland

Salin Bank and Trust Company, Indianapolis, Indiana -- to establish a branch at 3623 

Braddock Drive, Lafayette.

- Approved, September 24, 1999 

Chicago

Bank Holding Companies

ABN AMRO Bank N.V., Amsterdam, The Netherlands -- to establish a 

representative office in Miami, Florida.

- Approved, September 23, 1999 

Chicago

Banque Nationale de Paris, Paris, France -- to establish a limited branch office in 

New York, New York.

- Approved, September 20, 1999 

San Francisco

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority September 19, 1999 to September 25, 1999

Bank Holding Companies

Boiling Springs, MHC, Rutherford, New Jersey, and Boiling Springs Bancorp -- to 

acquire Boiling Springs Savings Bank.

- Approved, September 22, 1999 

New York

Citigroup, Inc., New York, New York, and Citicorp -- to invest, through their 

subsidiary Citicorp Strategic Technology Corporation, in GlobeSet, Inc., Austin, 

Texas, and thereby engage in development, manufacture, and distribution of software 

to provide electronic banking services.

- Approved, September 14, 1999 (AC)

New York

Community One Bancshares, Inc., Bartow, Florida -- to become a bank holding 

company through the acquisition of Community National Bank at Bartow.

- Approved, September 24, 1999 

Atlanta

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

Corporation -- to acquire Armed Forces Bank of California, N.A., San Diego, 

California.

- Approved, September 22, 1999 

Kansas City

Doss, Ltd., Weatherford, Texas -- to become a bank holding company through the 

acquisition of M&F Bancshares, Inc.; M&F Financial Corporation, Wilmington, 

Delaware; Texas Bank, Weatherford; and Texas Bank, Brownwood.

- Approved, September 23, 1999 

Dallas

Fifth Third Bancorp, Cincinnati, Ohio -- to acquire Peoples Bank Corporation of 

Indianapolis, Indianapolis, Indiana.

- Approved, September 20, 1999 

Cleveland

Florida Business BancGroup, Inc., Tampa, Florida -- to become a bank holding 

company through the acquisition of Bay Cities Bank.

- Approved, September 20, 1999 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority September 19, 1999 to September 25, 1999

Bank Holding Companies

James River Bankshares, Inc., Suffolk, Virginia -- to acquire Colonial Loans, Inc., 

Fredericksburg.

- Approved, September 21, 1999 

Richmond

Marquette Bancshares, Inc., Minneapolis, Minnesota -- to acquire, through a new 

subsidiary, assets of Itasca Business Credit, LLC, and thereby engage in asset-based 

lending.

- Approved, September 21, 1999 

Minneapolis

North Central Bancorp, Norfolk, Nebraska -- to become a bank holding company 

through the acquisition of Bank of Norfolk, and to acquire Columbus Financial Corp, 

Columbus, and Columbus Federal Savings Bank.

- Withdrawn, September 24, 1999 

Kansas City

Satilla Financial Services, Inc., St. Marys, Georgia -- to become a bank holding 

company through the acquisition of Satilla Community Bank, a de novo bank.

- Approved, September 22, 1999 

Atlanta

Wells Fargo & Co., San Francisco, California; Norwest Financial Services, Inc., Des 

Moines, Iowa; and Norwest Financial, Inc. -- to acquire certain assets of TCF 

National Bank Minnesota, Minneapolis, Minnesota, and thereby engage in consumer 

lending.

- Approved, September 22, 1999 

San Francisco

Bank Mergers

Fifth Third Bank, Indiana, Indianapolis, Indiana -- to merge with Peoples Bank & 

Trust Company and thereby establish branches.

- Approved, September 20, 1999 

Cleveland

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority September 19, 1999 to September 25, 1999

Bank Mergers

First Bank of Philadelphia, Philadelphia, Pennsylvania -- to merge with Pennsylvania 

Savings Bank.

- Approved, September 21, 1999 

Philadelphia

Pinnacle Bank, Papillion, Nebraska -- to merge with Waverly Bank and thereby 

establish branches.

- Approved, September 24, 1999 

Kansas City

Banks, Nonmember, And Miscellaneous Institutions

Celebrity, Inc., Tyler, Texas. -- deregistration under Regulation U.

- Approved, September 23, 1999 

Dallas

Search Financial Services, Inc., Frisco, Texas -- deregistration under Regulation U.

- Approved, September 23, 1999 

Dallas

Banks, State Member

Farmers & Merchants Bank of Central California, Lodi, California -- transfer agent 

registration.

- Withdrawn, September 20, 1999 

Director, BS&R

Capital Stock

Jamestown Union Bancshares, Inc., Jamestown, Tennessee -- redemption of stock.

- Approved, September 24, 1999 

Atlanta

Change In Bank Control

CNB, Inc., Walker, Minnesota -- change in bank control.

- Permitted, September 24, 1999 

Minneapolis

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority September 19, 1999 to September 25, 1999

Competitive Factors Reports

Bremer Bank National Association, Brainerd, Minnesota -- report on competitive 

factors of the proposed merger with First National Bank of Aitkin, Aitkin.

- Submitted, September 22, 1999 

Minneapolis

Cambridge Bank, Lake Zurich, Illinois -- report on competitive factors of the 

proposed merger with Republic Bank of Lake Zurich.

- Submitted, September 21, 1999 

Chicago

First Bank & Trust, Newport Beach, California -- report on competitive factors of 

the proposed merger with Century Bank, Beverly Hills.

- Submitted, September 21, 1999 

St. Louis

Forethought Federal Savings Bank, Batesville, Indiana -- report on competitive 

factors of the proposed merger with Forethought National TrustBank.

- Submitted, September 21, 1999 

Chicago

Irondale Bank, Irondale, Missouri -- report on competitive factors of the proposed 

merger with UNICO Bank, FSB, Kennett.

- Submitted, September 21, 1999 

St. Louis

Lamar Bank, Beaumont, Texas -- report on competitive factors of the proposed 

acquisition of a Vidor branch from Community State Bank, Houston.

- Submitted, September 21, 1999 

Dallas

Local Oklahoma Bank, N.A., Oklahoma City, Oklahoma -- report on competitive 

factors of the proposed merger with Guthrie Federal Savings Bank, Guthrie.

- Submitted, September 17, 1999 (AC)

Kansas City

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority September 19, 1999 to September 25, 1999

Competitive Factors Reports

Merchants & Farmers Bank, Kosciusko, Mississippi -- report on competitive factors 

of the proposed merger with Community Federal Bank, Tupelo.

- Submitted, September 21, 1999 

St. Louis

Extensions Of Time

Community First Bankshares, Inc., Fargo, North Dakota -- extension to November 

8, 1999, to acquire Valley National Corporation, El Cajon, California.

- Granted, September 21, 1999 

Minneapolis

Michigan Heritage Bank, Novi, Michigan -- extension to September 14, 2000, to 

establish a branch at 28270 Orchard Lake Road, Farmington Hills.

- Granted, September 21, 1999 

Chicago

Membership

Payne County Bank, Perkins, Oklahoma -- membership in the Federal Reserve 

System.

- Approved, September 22, 1999 

Kansas City

(AC) = Addition or Correction Delegated - Page 6 of 6
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, September 25, 1999

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

Change in Control Cape Cod Five Cents Savings Bank, Orleans, Massachusetts -

notification to acquire up to 24% of the outstanding common

shares of Falmouth Bancorp, Falmouth, Massachusetts

Newspaper – 10/21/1999

Fed Reg – 10/08/1999

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, September 25, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA PT Bank Mandiri (Persero), Jakarta, Indonesia, to establish a

representative office in New York, New York.

Newspaper – N/Avail

Branch Banco Popular North America, New York, New York, to

establish a branch office located at 7500 S.W. 8th Street, Miami,

Florida.*

Newspaper – 10/18/1999

* 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) Banco Portugues do Atlantico, S.A., Porto, Portugal; Banco

Comercial Portugues, S.A., Porto, Portugal; BCP-IF, S.B.P.S.,

Socieded Unipessoal LDA, Funchal, Maderia, Portugal; Banco

Portugues do Atlantico (USA), Inc., Newark, New Jersey, to

establish and acquire a de novo national bank subsidiary, Banco

Portugues do Atlantico, N.A., Newark, New Jersey .*

Newspaper – 10/22/1999

Fed Reg – N/Avail

CIBC Mr. Angelo DeCaro, Riverside, Connecticut, to acquire

additional outstanding common stock of Patriot National

Bancorp, Inc., Stamford, Connecticut, thereby increasing the

shares held from 9.59 percent to 24.9 percent of the outstanding

stock.

Newspaper – N/Avail

Fed Reg – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Landesbank Baden-Wurttemberg, Stuttgart, Federal Republic of

Germany, through its subsidiaries, SudLeasing (USA) Corp.,

and SL First Credit Corp., New York, New York, to engage de

novo in leasing activities.

Fed Reg – N/Avail
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, September 25, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Main Street Bank, Reading, PA, to establish two branch offices:

15 Maplewood Drive, Amity Township, County of Berks, PA

and 100 Progress Drive, Township of Doylestown, County of

Bucks, PA, pursuant to Section 9 of the Federal Deposit

Insurance Act.

10/11/1999

Branch Summit Bank, Bethlehem, PA, to establish two branch offices

located at 73 Old Dublin Pike, Doylestown, Montgomery

County, PA; and 2395 York Road, Suite 00, Jamison, Bucks

County, PA

10/4/1999

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

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, September 25, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch

Branch

Branch

Received notice from Fifth Third Bank, Central Ohio,

Columbus, OH on 09/21/1999 of its intent to establish a branch

at 5161 Hampsted Village, New Albany, OH.

Received notice from Fifth Third Bank, Northern Kentucky,

Inc., Florence, KY on 09/23/1999 of its intent to establish a

branch at 1751 Patrick Drive, Burlington, KY.

Received notice from Fifth Third Bank, Cincinnati, OH on

09/24/1999 of its intent to establish a branch at 3550 Shaw

Avenue, Cincinnati, OH

10/01/1999

09/14/1999

09/17/1999

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

Type Application

Ending date of

comment period

3(a)(3) Received application from F.N.B. Corporation, Hermitage, PA

on 09/22/1999 to acquire up to 20 percent of the outstanding

voting shares of Sun Bancorp, Inc., Selinsgrove, PA.

Newspaper – 10/22/1999

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, September 25, 1999

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) Regal Bancorp, Inc., Owings Mills, Maryland, to become a

bank holding company through the acquisition of 100% of

the voting shares of Regal Bank & Trust, Owings Mills,

Maryland (the proposed successor to Regal Savings Bank,

F.S.B., Owings Mills, Maryland).*

Fed Reg – 10/18/1999

Newspaper – 10/15/1999

3(a)(5) Uwharrie Capital Corp., Albemarle, North Carolina, to acquire

Anson Bancorp, Inc., Wadesboro, North Carolina, and thereby

indirectly acquire Anson Savings Bank, Inc., Wadesboro, North

Carolina.*

Fed Reg – N/Avail

Newspaper – 10/18/1999

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Branch Riggs Bank National Association, McLean, Virginia, to

establish a branch in Berlin, Germany.
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

2736451 New Peoples Bank

P. O. Box 1810

Honaker, Virginia 24260

07/12/1999 09/24/1999 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, September 25, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at 2025 Gunter Avenue, Guntersville, Alabama.

10/08/1999*

Branch Colonial Bank, Montgomery, Alabama, to establish a branch

located at 1201 Maple Street, Suite D, Carrollton, Georgia.

10/01/1999*

*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)(5) Regions Financial Corporation, Birmingham, Alabama, to merge

with LCB Corporation, Fayetteville, Tennessee, and thereby

acquire Lincoln County Bank, Fayetteville, Tennessee.

N/Avail*

3(a)(5) Regions Financial Corporation, Birmingham, Alabama, to merge

with Minden Bancshares, Inc., Minden, Louisiana, and thereby

acquire Minden Bank & Trust Company, Minden, Louisiana.

N/Avail*

3(a)(1) SNB Holdings, Inc., Slocomb, Alabama, to become a bank

holding company by acquiring Slocomb National Bank,

Slocomb, Alabama.

N/Avail*

3(a)(1) LandMark Financial Holding Company, Sarasota, Florida, to

become a bank holding company by acquiring LandMark Bank

of Florida, Sarasota, Florida (in organization).

N/Avail*

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

COM P.C.B. Bancorp, Inc., Largo, Florida, commitment waiver

request.

COM Riverside Gulf Coast Banking Company, Cape Coral, Florida,

commitment waiver request.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

177135 1

st Progressive Bank

Post Office Box 1267

Brewton, Alabama 36427

(334) 867-7706

06/14/1999 09/20/1999 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, September 25, 1999

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) Citizens Banking Corporation*

Flint, Michigan

 F&M Bancorporation, Inc.

 Kaukauna, Wisconsin

 F&M Bank-Brodhead

 Brodhead, Wisconsin

 F&M Bank-New London

 New London, Wisconsin

 F&M Bank-Waushara County

 Wautoma, Wisconsin

 F&M Bank-Appleton

 Appleton, Wisconsin

 F&M Bank- Algoma

 Algoma, Wisconsin

 F&M Bank-Kaukauna

 Kaukauna, Wisconsin

 F&M Bank-Hilbert

 Hilbert, Wisconsin

 F&M Bank-East Troy

 East Troy, Wisconsin

 F&M Bank

 Dundas, Minnesota

 F&M Bank-Central

 Stevens Point, Wisconsin

 F&M Bank-Winnebago County

 Omro, Wisconsin

 F&M Bank-Prairie du Chien

 Prairie du Chien, Wisconsin

Fed Reg – 09/24/1999

Newspaper – 10/04/1999
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

(cont’d) F&M Bank-Northeast

 Pulaski, Wisconsin

 F&M Bank Darlington

 Darlington, Wisconsin

 F&M Bank-Kiel

 Kiel, Wisconsin

 F&M Bank-Jefferson

 Jefferson, Wisconsin

 F&M Bank-Grant County

 Fennimore, Wisconsin

 F&M Bank-Woodruff

 Woodruff, Wisconsin

 F&M Bank Superior

 Superior, Wisconsin

 F&M Bank Landmark

 Hudson, Wisconsin

 F&M Bank Iowa Central

 Marshalltown, Iowa

 F&M Bank Iowa Story City

 Story City, Iowa

 F&M Bank Iowa South Central

 Grinnell, Iowa

 F&M Bank Elkhorn

 Elkhorn, Wisconsin

3(a)(3) Farmers & Merchants Bancshares, Inc.*

Burlington, Iowa

 Farmers and Merchants Bank and Trust (in organization)

 Mount Pleasant, Iowa

Fed Reg – 10/18/1999

Newspaper – N/Avail

3(a)(3) First Manitowoc Bancorp, Inc.*

Manitowoc, Wisconsin

 Dairy State Financial Services, Inc.

 Plymouth, Wisconsin

 Dairy State Bank

 Plymouth, Wisconsin

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) Wintrust Financial Corporation

Lake Forest, Illinois

 Tricom, Inc.

 Milwaukee, Wisconsin

Fed Reg – N/Avail
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

S/R Nichols Bancorp, Inc.

Nichols, Wisconsin

 To redeem 25 shares of Class B common stock

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

41647 First Banking Center

400 Milwaukee Avenue

Burlington, Wisconsin 53105

(414) 763-3581

05/24/1999 09/22/1999 S X

412135 Cole Taylor Bank

350 E. Dundee Road, Suite 302

Wheeling, Illinois 60090-3100

(773) 927-7000

11/16/1998 09/24/1999 O 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, September 25, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Notice by Arvest Bank Group, Inc., Bentonville, Arkansas, to

acquire First National Bank of Huntsville, Huntsville,

Arkansas.*

Newspaper – 10/23/1999

Fed Reg – 10/25/1999

3(a)(3) Notice by Area Bancshares Corporation, Owensboro, Kentucky,

to acquire Dees Bank of Hazel, Hazel, Kentucky; Peoples Bank

of Murray, Kentucky, Murray, Kentucky; Bank of Livingston

County, Tiline, Kentucky; and Lyon Bancorp, Inc., Eddyville,

Kentucky, and its subsidiary bank, Bank of Lyon County,

Eddyville, Kentucky (previously reported during week ending

September 18, 1999).*

Fed Reg – 10/22/1999

CIC Notice involving First State Bancorp, Inc., Caruthersville,

Missouri, by Duane S. Michie as trustee for the First State

Bancorp Employee Stock Ownership Plan, Caruthersville,

Missouri (previously reported during week ending September

18, 1999).

Fed Reg – 10/12/1999

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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, September 25, 1999

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)A Rivers Ridge Holding Company, Edina, Minnesota, for prior

approval to become a bank holding company through the

acquisition of 100% of the voting shares of BankVista, Sartell,

Minnesota, a de novo bank.

Newspaper - 10/07/1999

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)RN Security Financial Services Corporation, Durand, Wisconsin, for

prior approval to become a bank holding company through the

acquisition of 100% of the voting shares of The Security

National Bank, Durand, Wisconsin.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

application for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, September 25, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Security State Bank, Basin, Wyoming, to establish a branch at

221 N. 10th Street, Worland, Wyoming.

10/5/1999

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

Type Application

Ending date of

comment period

3(a)(1) Exchange Bancshares of Moore, Moore, Oklahoma, to become a

bank holding company through the acquisition of 100 percent of

the voting shares of Exchange National Bank of Moore, Moore,

Oklahoma.

Newspaper – N/Avail

Fed Reg – 10/15/1999

3(a)(3) Norton Bancshares, Norton, Kansas, to acquire 100 percent of

the voting shares of Consolidated Insurance, Inc., Hill City,

Kansas; and thereby indirectly acquire Consolidated State Bank,

Hill City, Kansas.

Newspaper – N/Avail

Fed Reg – 10/18/1999

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

315357 Saint Marys State Bank

Saint Marys, Kansas

06/28/1999 09/20/1999 S X

871358 Bank of Holyrood

Holyrood, Kansas

07/12/1999 09/21/1999 S X

818353 Pioneer Bank and Trust Company

Ponca City, Oklahoma

07/12/1999 09/21/1999 S X

42055 Anadarko Bank and Trust Company

Anadarko, Oklahoma

07/06/1999 09/23/1999 O X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, September 25, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Texas First Bank, Texas City, TX, to establish a branch office at

401 Oak Street, La Marque, TX, 77568*

10/04/1999

*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 Harlan R. Heitkamp, Corpus Christi, TX, et al, to acquire an

interest in First International Bancshares, Inc., Corpus Christi,

TX

(previously reported the week ending September 11, 1999)

Fed Reg – 10/15/1999

Newspaper – 09/27/1999

CIC D’Ruth Crosgrove, Canadian, TX, et al, to acquire an interest in

First Canadian Bancorporation, Inc., Canadian, TX

Fed Reg – N/Avail

Newspaper – N/Avail

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, September 25, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) CalWest Bank, Downey, California, to merge with National

Business Bank, Torrance, California. *

Newspaper - 10/23/1999

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

merge with Security First Bank, Fullerton, California. *

Newspaper - 10/23/1999

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

acquiring Inter Bank, both of Duvall, Washington. *

Newspaper - 10/22/1999

Fed Reg - 10/22/1999

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

4(c)(8) Community West Bancshares to acquire Electronic Paycheck,

L.L.C., both of Goleta, California.
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