Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 42

Week Ending October 17, 1998

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions October 11, 1998 to October 17, 1998

Bank Holding Companies

Norwest Corporation, Minneapolis, Minnesota -- to acquire Wells Fargo & 

Company, San Francisco, California, and its bank, nonbank, and foreign subsidiaries.

- Approved, October 14, 1998 

Banks, Foreign

Erste Bank der osterreichischen Sparkassen Aktiengesellschaft, Vienna, Austria -- to 

establish a federally licensed branch in New York, New York.

- Approved, October 14, 1998 

Discount Rates

Discount rates -- decrease to 4-3/4 percent from 5 percent by the Federal Reserve 

Bank of New York, Philadelphia, Atlanta, Chicago, St. Louis, Minneapolis, Kansas 

City, and San Francisco.

- Approved, October 15, 1998 

Discount rates -- decrease to 4-3/4 percent from 5 percent by the Federal Reserve 

Bank of Boston.

- Approved, October 15, 1998 

Discount rates -- decrease to 4-3/4 percent from 5 percent by the Federal Reserve 

Banks of Cleveland, Richmond, and Dallas.

- Approved, October 16, 1998 

Regulations And Policies

Century date change project -- procedures to manage changes in the Board's 

information systems in 1999 and the first quarter of 2000.

- Announced, October 13, 1998 

Safety and soundness standards -- interim rule to update rules of procedure 

concerning safety and soundness standards (Docket No. R-1018).

- Approved, September 28, 1998 (AC)

Year 2000 safety and soundness standards -- interagency guidelines for insured 

depository institutions (Docket No. R-1017).

- Approved, September 28, 1998 (AC)

(AC) = Addition or Correction Board - Page 1 of 1
October 11, 1998 to October 17, 1998

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 Western Ohio, Dayton, Ohio -- to establish bank branches at 965 

Bechtel Road, Springfield, Ohio, and 1294 North Fairfield Road, Beavercreek, Ohio.

- Approved, October 13, 1998 

Cleveland

First Vantage Bank-Tennessee, Knoxville, Tennessee -- to establish a branch at 6632 

Clinton Highway, Knoxville, Tennessee.

- Approved, October 14, 1998 

Atlanta

Old Kent Bank, Grand Rapids, Michigan -- to establish a branch at the corner of 

University Road and Adams Road, Rochester Hills, Michigan.

- Withdrawn, August 28, 1998 (AC)

Chicago

Bank Holding Companies

Advance Bancorp, Inc., Homewood, Illinois -- notice to purchase three commercial 

loans from South Chicago Bank, Chicago, Illinois, and engage in extending credit 

and servicing loans.

- Approved, October 15, 1998 

Chicago

Bank of New York Company, Inc., New York, New York -- to acquire through The 

Bank of New York Trust Company of Florida, N.A., Jacksonville, Florida, certain 

assets of Deposit Guaranty National Bank, Jackson, Mississippi.

- Approved, August 13, 1998 (AC)

New York

Bank of the Ozarks, Inc., Little Rock, Arkansas -- notice to acquire John R. Taylor 

Financial Group, Inc., Fort Smith, Arkansas, and engage in certain nonbanking 

activities.

- Approved, October 13, 1998 

St. Louis

(AC) = Addition or Correction Delegated - Page 1 of 12
H.2 Actions under delegated authority October 11, 1998 to October 17, 1998

Bank Holding Companies

Century Bancshares, Inc., Schaller, Iowa -- to acquire shares of State Bank of 

Schaller.

- Approved, October 15, 1998 

Chicago

Chase Manhattan Corporation, New York, New York; Chase Equity Holdings, Inc., 

Wilmington, Delaware; and CBC Holding (Delaware) Inc. -- to acquire the corporate 

trust services business of PNC Bank, National Association, Pittsburgh, Pennsylvania, 

and PNC Trust Company, Delaware, National Association, Wilmington, and engage 

in trust company activities.

- Permitted, October 14, 1998 

Secretary

Colonial BancGroup, Inc., Montgomery, Alabama -- to merge with TB&T, Inc., 

Dallas, Texas, and acquire Texas Bank & Trust.

- Approved, October 15, 1998 

Atlanta

Davis Bancorporation, Inc., Davis, Oklahoma -- to acquire shares of FBC Financial 

Corporation, Claremore, Oklahoma, and engage in the operation of a savings 

association.

- Approved, October 16, 1998 

Kansas City

Eggemeyer Advisory Corp., Rancho Santa Fe, California; Castle Creek Capital, 

L.L.C.; and Castle Creek Capital Partners Fund-1, L.P. -- to acquire shares of 

Peninsula Bank of San Diego, San Diego, California, through an investment in 

Western Bancorp, Newport Beach, California; and for Western Bancorp to acquire 

Peninsula Bank of San Diego.

- Approved, October 16, 1998 

San Francisco

Emigrant Bancorp, Inc., New York, New York -- request for relief from a 

commitment.

- Granted, August 25, 1998 (AC)

New York

(AC) = Addition or Correction Delegated - Page 2 of 12
H.2 Actions under delegated authority October 11, 1998 to October 17, 1998

Bank Holding Companies

First Centralia Bancshares, Inc., Centralia, Kansas -- to acquire shares of FBC 

Financial Corporation, Claremore, Oklahoma, and engage in the operation of a 

savings association.

- Approved, October 16, 1998 

Kansas City

First Express of Nebraska, Inc., Gering, Nebraska -- to acquire Wauneta Falls 

Bancorp, Inc., Wauneta, Nebraska.

- Withdrawn, October 16, 1998 

Kansas City

First National Bancshares Employees Stock Ownership Plan and Trust, Goodland, 

Kansas -- waiver of application to acquire First National Bancshares, Inc.

- Withdrawn, October 15, 1998 

Kansas City

Gold Banc Corporation, Inc., Leawood, Kansas -- to merge with Citizens 

Bancorporation, Inc., Tulsa, Oklahoma, and Citizens Bank of Tulsa.

- Approved, October 16, 1998 

Kansas City

Home Credit Corporation, Salt Lake City, Utah -- to engage in lending activities 

through Home Credit Mortgage Corporation and Home Credit Capital Corporation.

- Approved, October 16, 1998 

San Francisco

Lake Bank Shares, Inc., Employee Stock Ownership Plan, Emmons, Minnesota -- to 

acquire shares of Lake Bank Shares, Inc.

- Approved, October 15, 1998 

Minneapolis

Morrill & Janes Bancshares, Inc., Hiawatha, Kansas -- to acquire shares of FBC 

Financial Corporation, Claremore, Oklahoma, and engage in the operation of a 

savings association.

- Approved, October 16, 1998 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 12
H.2 Actions under delegated authority October 11, 1998 to October 17, 1998

Bank Holding Companies

Morrill Bancshares, Inc., Sabetha, Kansas -- to acquire shares of FBC Financial 

Corporation, Claremore, Oklahoma, and control a savings association.

- Approved, October 16, 1998 

Kansas City

Mutual Bancorp of the Berkshires Inc., Pittsfield, Massachusetts -- to merge with 

Lenox Financial Services Corp., Lenox, Massachusetts, and to establish United 

Financial Group, Inc., Pittsfield.

- Approved, October 16, 1998 

Boston

New London Bancshares, Inc., New London, Missouri -- to continue engaging in 

general insurance agency activities in a town with a population of less than 5000.

- Approved, October 15, 1998 

St. Louis

Norwest Corporation, Minneapolis, Minnesota -- to engage through Edina Realty 

Mortgage, LLC, Edina, Minnesota, a joint venture participant, in mortgage lending 

activities.

- Approved, October 13, 1998 

Secretary

Oakfield Bancorp, Inc., Oakfield, Wisconsin -- to acquire Bank of Oakfield.

- Returned, October 14, 1998 

Chicago

Oconee Financial Corporation, Watkinsville, Georgia -- to acquire Oconee State 

Bank.

- Approved, October 15, 1998 

Atlanta

Old National Bancorp, Evansville, Indiana -- to acquire Southern Bancshares, Ltd., 

Carbondale, Illinois, and First National Bank and Trust Company.

- Approved, October 13, 1998 

Secretary

(AC) = Addition or Correction Delegated - Page 4 of 12
H.2 Actions under delegated authority October 11, 1998 to October 17, 1998

Bank Holding Companies

Onaga Bancshares, Inc., Onaga, Kansas -- to acquire shares of FBC Financial 

Corporation, Claremore, Oklahoma, and engage in the operation of a savings 

association.

- Approved, October 16, 1998 

Kansas City

Pacific Coast Bankers' Bancshares, San Francisco, California -- to acquire Pacific 

Coast Bankers' Bank.

- Approved, October 15, 1998 

San Francisco

Palm Desert Investments, Palm Desert, California -- request for relief from a 

commitment.

- Granted, August 14, 1998 (AC)

San Francisco

Petefish Skiles Bancshares, Inc., Virginia, Illinois -- to acquire Petefish Skiles & Co.

- Approved, October 15, 1998 

Chicago

State Street Corporation, Boston, Massachusetts -- to acquire through Bridge 

Information Systems, Inc., St. Louis, Missouri, Wall Street on Demand, Inc., 

Boulder, Colorado, and engage in data processing and transmission activities.

- Permitted, October 16, 1998 

Secretary

Bank Mergers

Colonial Bank, Montgomery, Alabama -- to merge with Texas Bank & Trust, Dallas, 

Texas.

- Approved, October 15, 1998 

Atlanta

Banks, Nonmember, And Miscellaneous Institutions

Northwest Kansas Production Credit Association, Colby, Kansas -- registration as a 

lender under Regulations T, U, and X.

- Approved, October 13, 1998 

Kansas City

(AC) = Addition or Correction Delegated - Page 5 of 12
H.2 Actions under delegated authority October 4, 1998 to October 10, 1998

Banks, Nonmember, And Miscellaneous Institutions

Shore Bank, Onley, Virginia -- transfer agent registration.

- Withdrawn, October 9, 1998 (AC)

Director, BS&R

U.S. Bank Trust Company, Salt Lake City, Utah -- transfer agent registration.

- Withdrawn, October 9, 1998 (AC)

Director, BS&R

Banks, State Member

Bank Independent, Sheffield, Alabama -- to invest in a community development 

project and increase its aggregate community development investments to more than 

5 percent of capital and to engage in community development activities.

- Approved, October 15, 1998 

Atlanta

Board Operations

Securities Investor Protection Corporation -- reappointment of Michael J. Prell as a 

member of the board of directors for a three-year term beginning January 1, 1999.

- Approved, October 14, 1998 

Chairman

Capital Stock

Bankers Trust Company, Des Moines, Iowa -- redemption of shares

- Approved, October 16, 1998 

Chicago

Change In Bank Control

Holly Grove Bancshares, Inc., Holly Grove, Arkansas -- change in bank control.

- Permitted, October 14, 1998 

St. Louis

Lake Bank Shares, Inc., Emmons, Minnesota -- change in bank control.

- Permitted, October 15, 1998 

Minneapolis

(AC) = Addition or Correction Delegated - Page 6 of 12
H.2 Actions under delegated authority October 11, 1998 to October 17, 1998

Competitive Factors Reports

Britton & Koontz First National Bank, Natchez, Mississippi -- report on competitive 

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

Natchez branches of Union Planters Bank, N.A., Memphis, Tennessee.

- Submitted, October 14, 1998 

Atlanta

Citizens Bank, Dooly, Georgia -- report on competitive factors of the proposed 

merger with Empire Banking Company, Homerville, Georgia.

- Submitted, October 9, 1998 (AC)

Atlanta

Citizens National Bank, Henderson, Texas -- report on competitive factors of the 

proposed merger with Jefferson National Bank, Jefferson, Texas.

- Submitted, October 13, 1998 

Dallas

Commercial Federal Bank, FSB, Omaha, Nebraska -- report on competitive factors 

of the proposed merger with Midland Bank, Lee's Summit, Missouri.

- Submitted, October 14, 1998 

Kansas City

First Capital Bank SSB, Victoria, Texas -- report on competitive factors of the 

proposed merger with Liberty Savings Association, Houston, Texas.

- Submitted, October 16, 1998 

Dallas

(AC) = Addition or Correction Delegated - Page 7 of 12
H.2 Actions under delegated authority October 11, 1998 to October 17, 1998

Competitive Factors Reports

First National Bank of Commerce, New Orleans, Louisiana; City National Bank of 

Baton Rouge, Baton Rouge, Louisiana; First National Bank of Lafayette, Lafayette, 

Louisiana; Central Bank, Monroe, Louisiana; First National Bank of Lake Charles, 

Lake Charles, Louisiana; Rapides Bank & Trust Company in Alexandria, Alexandria, 

Louisiana; Bank One, Louisiana, NA, Baton Rouge; Bank One, NA, Columbus, 

Ohio; Bank One, Arizona, NA, Phoenix, Arizona; Bank One, Colorado, NA, Denver, 

Colorado; Bank One, Illinois, NA, Springfield, Illinois; Bank One, Indiana, NA, 

Indianapolis, Indiana; Bank One, Kentucky, NA, Louisville, Kentucky; Bank One, 

Oklahoma, NA, Oklahoma City, Oklahoma; Bank One, Texas, NA, Dallas, Texas; 

Bank One West Virginia, NA, Huntington, West Virginia; Bank One, Wisconsin, 

NA, Milwaukee, Wisconsin; Bank One Trust Company, NA, Columbus, Ohio; and 

First USA Bank, NA, Wilmington, Delaware -- report on competitive factors of 

certain proposed mergers and purchase/assumption transactions by which Banc One 

Corporation, Columbus, Ohio, will consolidate its Louisiana banks under one charter 

and reorganize certain lines of business.

- Submitted, October 13, 1998 

Cleveland

First National Bank of Waseca, Waseca, Minnesota -- report on competitive factors 

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

branch of Valley Bank, North Mankato, Minnesota.

- Submitted, October 15, 1998 

Minneapolis

First National Bank of Zanesville, Zanesville, Ohio -- report on competitive factors 

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

222 East Broadway, Granville, Ohio, branch of National City Bank, Cleveland, Ohio.

- Submitted, October 13, 1998 

Cleveland

First Star Savings Bank, Bethlehem, Pennsylvania -- report on competitive factors of 

the proposed merger with Nesquehoning Savings Bank, Nesquehoning, Pennsylvania.

- Submitted, October 13, 1998 

Philadelphia

(AC) = Addition or Correction Delegated - Page 8 of 12
H.2 Actions under delegated authority October 11, 1998 to October 17, 1998

Competitive Factors Reports

Jackson Savings Bank, Jackson, Ohio -- report on competitive factors of the 

proposed merger with Ohio Valley Interim Bank, Gallipolis, Ohio.

- Submitted, October 13, 1998 

Cleveland

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

proposed merger with New Jefferson National Bank.

- Submitted, October 13, 1998 

Dallas

Jersey Shore State Bank, Jersey Shore, Pennsylvania -- report on competitive factors 

of the proposed merger with The First National Bank of Spring Mills, Spring Mills, 

Pennsylvania.

- Submitted, October 9, 1998 (AC)

Philadelphia

Lake Community Bank, Lakeport, California -- report on competitive factors of the 

proposed merger with LCB Merger Co., Cameron Park, California.

- Submitted, October 14, 1998 

San Francisco

Northwest Savings Bank, Warren, Pennsylvania -- report on competitive factors of 

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

branches of National City Bank of Pennsylvania, Pittsburgh, Pennsylvania.

- Submitted, October 15, 1998 

Cleveland

Norwest Bank North Dakota, National Association, Fargo, North Dakota -- report 

on competitive factors of the proposed merger with First National Bank of Valley 

City, Valley City; The First State Bank of Casselton, Casselton; and Litchville State 

Bank, Litchville, all in North Dakota.

- Submitted, October 13, 1998 

Secretary

Regions Bank, Birmingham, Alabama -- report on competitive factors of the 

proposed merger with Springhill Bank & Trust Company, Springhill, Louisiana.

- Submitted, October 14, 1998 

Atlanta

(AC) = Addition or Correction Delegated - Page 9 of 12
H.2 Actions under delegated authority October 11, 1998 to October 17, 1998

Competitive Factors Reports

Trumbull Savings and Loan Company, Warren, Ohio -- report on competitive factors 

of the proposed merger with and into The Second National Bank of Warren.

- Submitted, October 13, 1998 

Cleveland

USTrust, Boston, Massachusetts -- report on competitive factors of the proposed 

merger with Lexington Savings Bank, Lexington, Massachusetts, and The Federal 

Savings Bank, Waltham, Massachusetts.

- Submitted, October 14, 1998 

Boston

Yardville National Bank, Yardville, New Jersey -- report on competitive factors of 

the proposed merger with Yardville Interim National Bank, Newtown Township, 

Pennsylvania.

- Submitted, October 9, 1998 (AC)

Philadelphia

Extensions Of Time

BankBoston Corporation, Boston, Massachusetts -- extension to September 20, 

1999, to establish a branch in Shanghai, China.

- Granted, September 16, 1998 (AC)

Boston

Citizens Bank & Trust Company, Van Buren, Arkansas -- extension to February 2, 

1999, to establish a branch at 4 Northridge Drive.

- Granted, October 15, 1998 

St. Louis

Commerce Bancorp, Inc., Cherry Hill, New Jersey -- extension to December 22, 

1998, to acquire Commerce Bank/Delaware, National Association, Wilmington, 

Delaware.

- Granted, September 8, 1998 (AC)

Philadelphia

(AC) = Addition or Correction Delegated - Page 10 of 12
H.2 Actions under delegated authority October 11, 1998 to October 17, 1998

Extensions Of Time

Deutsche Bank AG, Frankfurt Am Main, Federal Republic of Germany -- extension 

to January 24, 1999, to acquire through German American Capital Corporation, New 

York, New York, an interest in Bouclier Vert Limite, L.L.C., Woodbury, New 

Jersey, and Green Shield Limited, L.L.C., and engage in residential mortgage lending 

activities in the United States.

- Granted, October 16, 1998 

New York

First Washington FinancialCorp., Windsor, New Jersey -- extension to December 12, 

1998, to acquire First Washington State Bank.

- Granted, August 27, 1998 (AC)

Philadelphia

Havelock Bank, Lincoln, Nebraska -- extension to December 31, 1998, to establish a 

branch at 27th and Pine Lake Road.

- Granted, October 15, 1998 

Kansas City

Membership

F&M Bank-Jefferson, Jefferson, Wisconsin -- to become a member of the Federal 

Reserve System.

- Approved, October 14, 1998 

Chicago

Farmers & Merchants Bank, Crescent, Oklahoma -- to become a member of the 

Federal Reserve System.

- Approved, October 13, 1998 

Kansas City

Farmers State Bank, Phillipsburg, Kansas -- to become a member of the Federal 

Reserve System.

- Approved, October 13, 1998 

Kansas City

(AC) = Addition or Correction Delegated - Page 11 of 12
H.2 Actions under delegated authority October 11, 1998 to October 17, 1998

Regulations And Policies

Short-Term Interest Rates -- decrease in federal funds rate.

- Approved, October 15, 1998 

FOMC

Enforcement

Towne Bancorp, Inc., Perrysburg, Ohio, and Towne Bank -- order of prohibition 

against Jerome C. Bechstein, a former institution-affiliated party.

- Announced, October 15, 1998 

Director, BS&R

Towne Bancorp, Inc., Perrysburg, Ohio, and Towne Bank -- order of prohibition 

against Lois A. Brigham, a former institution-affiliated party.

- Announced, October 15, 1998 

Director, BS&R

(AC) = Addition or Correction Delegated - Page 12 of 12
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, October 17, 1998

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

4(c)(8) Machias Bancorp, MHC (Machias), Machias Bancorp, Inc.

(MBI), and MSB Leasing, Inc. (MSB) all of Machias Maine – to

acquire 50% of M&M Consulting, LLC, Bangor, Maine

(M&M). The notification was made in connection with an

application by Machias and MBI to become a mutual bank

holding company and a bank holding company, respectively,

through the reorganization of Machias Savings Bank, Machias,

Maine, pursuant to section 3(a)(1)

Fed Reg – 10/28/98

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, October 17, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Greenwich Bank & Trust Company, Greenwich, Connecticut, to

establish a branch office at 273 Glenville Road, Greenwich,

Connecticut.*

11/08/1998

* 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) Warwick Community Bancorp, Inc., sole shareholder of The

Warwick Savings Bank, both of Warwick, New York, to acquire

more than 5 percent but less than 10 percent of the outstanding

shares of the common stock of GSB Financial Corporation, the

sole shareholder of Goshen Savings Bank, both of Goshen, New

York.*

Newspaper – 11/07/1998

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, October 17, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Sterling Bank, Mount Laurel, NJ, to establish a branch office at

52 Main Street, Southampton Township, Burlington County, NJ.

10/26/1998

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, October 17, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c)

18(c)

Branch

Application by The Ohio Bank, Findlay, OH received on

10/14/1998 to merge with Citizens Bancshares Interim Bank,

Salineville, OH.

Applications by The Ohio Bank, Findlay, OH received on

10/15/1998 to merge with AmeriFirst Bank, N.A., Xenia, OH

and American Community Bank, N.A., Lima, OH and incident

thereto establish branch facilities.

Newspaper –

11/14/1998*

Newspaper –

11/14/1998*

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

Type Application

Ending date of

comment period

3(a)(3)

3(a)(3)

Applications from Sky Financial Group, Inc., Bowling Green,

OH (fka Citizens Bancshares, Inc., Salineville, OH) received on

10/14/1998 to acquire Citizens Bancshares Interim Bank,

Salineville, OH and The Ohio Bank, Findlay, OH.

Newspaper -

10/14/1998*

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

576710 The Ohio Bank, Findlay, Ohio 7/6/1998 10/13/1998 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, October 17, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First Virginia Bank-Southwest, Roanoke, Virginia, to establish a

branch inside the Kroger store at 7480 Lee Highway, Radford,

Virginia.*

10/30/1998

*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

Foreign First Union Corporation, Charlotte, North Carolina, to act as

principal in derivative transactions and in connection therewith

to engage in equity dealiing abroad through First Union International Capital Markets, Ltd., London, England.
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

828530 Potomac Valley Bank

4 North Main Street

Petersburg, West Virginia 26847

07/27/1998 10/11/1998 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, October 17, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch The Brand Banking Company, Lawrenceville, Georgia, to

establish a branch located at 2100 Grayson Highway, Grayson,

Georgia.

11/09/1998*

*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

 CIC Skylake Bankshares, Inc., Miami Lakes, Florida, after-the-fact

notification by Mr. William Biggs to retain 25.6 percent of the

outstanding shares of Skylake Bankshares, Inc., Miami Lakes,

Florida.

N/Avail*

3(a)(5) PAB Bankshares, Inc., Valdosta, Georgia, to merge with Eagle

Bancorp, Inc., Statesboro, Georgia, and thereby directly acquire

its subsidiary, Eagle Bank and Trust, Statesboro, Georgia.

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

4(c)(8) CCB Bancshares, Inc., Hahira, Georgia, to acquire The

Remerton Agency, Inc., Remerton, Georgia (formerly

known as Star Insurance Agency), and thereby engage in general

insurance activities.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, October 17, 1998

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) Associated Banc-Corp*

Green Bay, Wisconsin

 Citizens Bankshares, Inc.

 Shawano, Wisconsin

 Citizens Bank, National Association

 Shawano, Wisconsin

Fed Reg – 10/19/1998

Newspaper – 10/17/1998

3(a)(1) CDS Bancorp, Inc.*

Spirit Lake, Iowa

 First Bank & Trust

 Spirit Lake, Iowa

Fed Reg – 11/6/1998

Newspaper – 10/31/1998

3(a)(1) Central South Bancorporation, Inc.*

Indianola, Iowa

 Peoples Savings Bank (in organization)

 Indianola, Iowa

Fed Reg – 10/26/1998

Newspaper – 10/29/1998

3(a)(1) Richland County Bancshares, Inc.*

Richland Center, Wisconsin

 Richland County Bank

 Richland Center, Wisconsin

Fed Reg – 11/13/1998

Newspaper – N/Avail

CIC Arneson Bancshares, Inc.

Clear Lake, Iowa

 By Robert C. Arneson and Amy J. Hewitt

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) National Australia Bank Limited

Melbourne, Australia

 National Australia Capital Markets, LLC

 New York, New York

Fed Reg – 11/3/1998

Fed Reg - Federal Register Comment Period Ending Date

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

Type Application

S/R Brunsville Bancorporation, Inc.

Brunsville, Iowa

 To redeem 688 shares of common stock

S/R Merrill Bancorporation, Inc.

Merrill, Iowa

 To redeem 200 shares of 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.
Section V – Availability of CRA public evaluations

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

892849 Millbrook-Newark Bank

Rt. 71 & Union

P.O.Box 685

Newark, Illinois 60541-0685

(815) 695-5113

6/9/1998 10/14/1998 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, October 17, 1998

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

3(a)(5)(C) Notice by Farmers & Merchants Bancorp, Inc., Hannibal,

Missouri, to acquire Famers & Merchants Bank, Hannibal,

Missouri.

N/Avail
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, October 17, 1998

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) Citizens Bancorporation of New Ulm, Inc., New Ulm,

Minnesota, for prior approval to acquire at least 80% of the

voting shares of State Bank of La Salle, La Salle, Minnesota.*

Fed Reg – 11/12/1998

CIC Campbell Family Limited Partnership, Dunseith, North Dakota,

to acquire control of Security Bancshares, Inc., Dunseith, North

Dakota.

Fed Reg – 11/04/1998

* 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

S/R Goose River Holding Company, Mayville, North Dakota, to

redeem 48.6% of its voting shares.
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

274856 Citizens State Bank

Arlington, South Dakota

06/29/1998 10/12/1998 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, October 17, 1998

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) / Branch Bank of Colorado, Fort Lupton, Colorado, for prior approval to

merge with Bank of Colorado – Front Range, Windsor,

Colorado; and incident thereto, establish an additional branch.

Newspaper – N/Avail

Branch Pinnacle Bank, Papillion, Nebraska, to establish a branch at

4250 South 143rd Street, Omaha, Nebraska.

Newspaper – 10/10/1998

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

Type Application

Ending date of

comment period

3(a)(1) Terry and Kathy Barrett Family Partnership, Frisco, Colorado,

for prior approval to become a bank holding company through

the acquisition of 39 percent of the voting shares of Quinter

Insurance Services, Inc., Quinter, Kansas; and thereby indirectly

acquire First National Bank, Quinter, Kansas.

Newspaper – N/Avail

Fed Reg – 10/30/1998

3(a)(1) University National Bancshares, Pittsburg, Kansas, for prior

approval to become a bank holding company through the

acquisition of 100 percent of the voting shares of University

National Bank, Pittsburg, Kansas, a de novo bank in

organization.

Newspaper – N/Avail

Fed Reg – 11/16/1998

3(a)(3) Lamar Trust Bancshares, Inc., Lamar, Missouri, for prior

approval to acquire 10 percent of the voting shares of University

National Bancshares, Inc., Pittsburg, Kansas; and thereby

indirectly acquire University National Bank, Pittsburg, Kansas, a

de novo bank in organization.

Newspaper – N/Avail

Fed Reg – 11/16/1998

3(a)(3) FirstBank Holding Company of Colorado, ESOP, Lakewood,

Colorado, for prior approval to acquire up to 26.86 percent of

the voting shares of FirstBank Holding Company of Colorado,

Lakewood, Colorado; and thereby indirectly acquire FirstBank,

Littleton, Colorado; FirstBank of Arvada, Arvada, Colorado;

FirstBank of Aurora, Aurora, Colorado; FirstBank of Avon,

Avon, Colorado; FirstBank of Boulder, Boulder, Colorado;

FirstBank of Breckenridge, Breckenridge, Colorado; FirstBank

Newspaper – N/Avail

Fed Reg – N/Avail
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

of Douglas Country, Castle Rock, Colorado; FirstBank of

Colorado Springs, Colorado; FirstBank of Cherry Creek,

Denver, Colorado; FirstBank of Denver, Denver, Colorado;

FirstBank of Longmont, Longmont, Colorado; FirstBank of

Evergreen, Evergreen, Colorado; FirstBank of Northern

Colorado, Fort Collins, Colorado; FirstBank of Greeley,

Greeley, Colorado; FirstBank of Tech Center, Englewood,

Colorado; FirstBank of Colorado, Lakewood, Colorado;

FirstBank of South Jeffco, Littleton, Colorado, FirstBank of

Lakewood, Lakewood, Colorado; FirstBank of Arapahoe

County, Littleton, Colorado; FirstBank of Parker, Parker,

Colorado; FirstBank of Silverthorne, Silverthorne, Colorado;

FirstBank of Vail, Vail, Colorado; FirstBank North,

Westminster, Colorado; FirstBank of Wheat Ridge, Wheat

Ridge, Colorado.

CIC Liggett Enterprises, LLLP, Limon, Colorado, to acquire voting

shares of Big Sandy Holding Company, Limon, Colorado; and

thereby indirectly acquire First National Bank of Limon, Limon,

Colorado.

Newspaper – N/Avail

Fed Reg – 11/05/1998

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) BOK Financial Corporation, Tulsa, Oklahoma, for prior

approval to engage in underwriting debt securities and equity

securities 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

913856 Pinnacle Bank

1200 Golden Gate Drive

Papillion, Nebraska 68046-1209

07/13/1998 10/13/1998 S 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, October 17, 1998

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) South Plains Financial, Inc., Lubbock, TX, to acquire

West Texas National Bancshares, Inc., Lockney, TX,

First National Bank of Lockney, Lockney, TX, and

First State Bank, Silverton, TX*

Fed Reg – N/Avail

Newspaper – 11/07/1998

* 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, October 17, 1998

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) Bay View Capital Corporation, San Mateo, California, to

become a bank holding company by acquiring Bay View Bank,

N.A., San Mateo, California. *

Newspaper – 11/08/1998

Fed Reg – 11/13/1998

3(a)(3) Dartmouth Capital Group, Inc., Dartmouth Capital Group, L.P.,

and Eldorado Bancshares, Inc., all of Laguna Hills, California,

to acquire Antelope Valley Bank, Lancaster, California. *

Newspaper – 11/16/1998

Fed Reg – 11/16/1998

3(a)(3) Western Sierra Bancorp, Cameron Park, California, to acquire

Lake Community Bank, Lakeport, California. *

Newspaper – N/Avail

Fed Reg – 11/13/1998

* 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) Bay View Capital Corporation, San Mateo, California, to: 1)

engage in check processing activities through the retention of

Regent Financial Corporation, San Mateo, California; and 2)

engage in providing financing to small and middle market

companies through the retention of Bay Commercial Finance

Group, San Mateo, California.

Fed Reg – 11/13/1998

Fed Reg - Federal Register Comment Period Ending Date
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

COM Fai Chan, Causeway, Hong Kong, requests partial relief of

commitments made in connection with the approval of the

Change in Bank Control notice to acquire up to 51.41 percent of

American Pacific Bank, Portland, Oregon.

Waiver First Coastal Bancshares, El Segundo, California, requests a

waiver of any Bank Holding Company Act application

requirement in connection with its acquisition of American

Independent Bank, N.A., Gardena, California.

Agreement

Corporation and

Investment

City National Bank, Los Angeles, California, to establish an

agreement corporation as a direct wholly-owned subsidiary, to

be named City National International Insurance Holdings, Inc.,

Beverly Hills, California, and thereby invest through this

subsidary in a reinsurance company, City National Insurance

Company, Ltd., Tortola, British Virgin Islands.

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