Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 31

Week Ending July 29, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions July 23, 2000 to July 29, 2000

Banks, Foreign

Deutsche Hyp Deutsche Hypothekenbank Frankfurt-Hamburg AG, Frankfurt, 

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

- Approved, July 26, 2000 

International Operations

European American Bank, Uniondale, New York -- to establish an Edge 

corporation, EAB International, Inc., and to make an investment in that corporation.

- Approved, July 26, 2000 

Regulations And Policies

Regulation Y -- request for public comment on proposed amendments to add 

"finder" activities to the list of activities permissible for financial holding companies.

- Approved, July 26, 2000 

(AC) = Addition or Correction Board - Page 1 of 1
July 23, 2000 to July 29, 2000

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Allfirst Bank, Baltimore, Maryland -- to establish a branch at 5100 Campbell 

Boulevard, White Marsh.

- Approved, July 24, 2000 

Secretary

The Bank of Marion, Marion, Virginia -- to establish a branch at 787 Fort Chiswell 

Road, Max Meadows.

- Approved, July 28, 2000 

Richmond

Citizens Bank and Trust Company of Baytown, Baytown, Texas -- to establish a 

mobile branch to operate in Harris County and seven contiguous counties.

- Approved, July 26, 2000 

Dallas

Farmers & Merchants Bank, Long Beach, California -- to establish a branch near 

Cherry Avenue, Signal Hill.

- Approved, July 24, 2000 

San Francisco

Old Kent Bank, Grand Rapids, Michigan -- to establish a branch at 6081 B Drive 

North, Battle Creek.

- Approved, July 21, 2000 (AC)

Chicago

Pinnacle Bank, Little Rock, Arkansas -- to relocate a branch from 1431 Merrill Drive 

to 2201 Rodney Parham Road.

- Approved, July 27, 2000 

St. Louis

Premier Bank, Doylestown, Pennsylvania -- to establish a branch at 2100 Street 

Road, Bensalem.

- Approved, July 27, 2000 

Philadelphia

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority July 23, 2000 to July 29, 2000

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 4525 County Road 48, 

Leesburg, Florida.

- Approved, July 26, 2000 

Atlanta

Westamerica Bank, San Rafael, California -- to establish a branch at 5858 Horton 

Street, Emeryville.

- Approved, July 25, 2000 

San Francisco

Bank Holding Companies

First Security Inc., Owensboro, Kentucky -- to become a bank holding company 

through the acquisition of First Security Bank of Owensboro, Inc.

- Approved, July 26, 2000 

St. Louis

Firstrust Corporation, New Orleans, Louisiana -- to acquire Metro Bank, Kenner.

- Withdrawn, July 24, 2000 

Atlanta

FMB Equibanc, Inc., Statesboro, Georgia -- to become a bank holding company 

through the acquisition of Farmers & Merchants Bank.

- Approved, July 28, 2000 

Atlanta

Lizton Financial Corporation, Lizton, Indiana -- to purchase shares of Independent 

Bankers Life Reinsurance Company of Indiana Ltd., Turks and Caicos Islands, and 

thereby engage in insurance activities.

- Approved, July 26, 2000 

Chicago

Pilot Bancorp, Inc., Pilot Grove, Iowa, and Pilot Grove Savings Bank ESOP -- to 

acquire Farmers Savings Bank, Mount Pleasant.

- Approved, July 25, 2000 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority July 23, 2000 to July 29, 2000

Bank Holding Companies

Sooner Southwest Bankshares, Inc., Tulsa, Oklahoma -- to acquire State National 

Bancshares, Inc., Heavener.

- Approved, July 27, 2000 

Kansas City

Zions Bancorporation, Salt Lake City, Utah -- to hold shares of Garban-Intercapital 

plc, London, United Kingdom, and thereby engage in securities brokerage and 

agency transactional services.

- Approved, July 25, 2000 

Secretary

Bank Mergers

First American Bank, Fort Dodge, Iowa -- to merge with First American Bank, 

Ames; First American Bank, Jewell; and First American Bank, Webster City; and 

thereby establish branches.

- Approved, July 28, 2000 

Chicago

Capital Stock

Commerce Financial Corporation, Topeka, Kansas -- treasury stock transaction.

- Approved, July 28, 2000 

Kansas City

Change In Bank Control

First Thomas Ban Corp., Thomas, Oklahoma -- change in bank control.

- Permitted, July 26, 2000 

Kansas City

Surety Capital Corporation, Hurst, Texas -- change in bank control.

- Permitted, July 25, 2000 

Dallas

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority July 23, 2000 to July 29, 2000

Competitive Factors Reports

A.G. Edwards Trust Company, FSB, St. Louis, Missouri -- report on competitive 

factors of the proposed merger with A.G. Edwards Trust Company, Sherman, Texas; 

A.G. Edwards Trust Company, Winter Haven, Florida; and A.G. Edwards Trust 

Company, Oradell, New Jersey.

- Submitted, July 25, 2000 

St. Louis

Academy Bank, Lebanon, Tennessee -- report on competitive factors of the 

proposed acquisition of the Lebanon branch of Citizens Bank, Hartsville.

- Submitted, July 26, 2000 

Atlanta

Farmers & Merchants Bank, Statesboro, Georgia -- report on competitive factors of 

the proposed merger with FMB Interim Corporation.

- Submitted, July 26, 2000 

Atlanta

First Commercial Bank of Tampa, Tampa, Florida -- report on competitive factors of 

the proposed merger with First Commercial Interim Bank.

- Submitted, July 26, 2000 

Atlanta

First Federal Savings and Loan Association of Texarkana, Texarkana, Arkansas -- 

report on competitive factors of the proposed merger with FirstBank, Texarkana, 

Texas.

- Submitted, July 26, 2000 

St. Louis

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

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

National Bank of Garretson, Garretson.

- Submitted, July 25, 2000 

Minneapolis

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority July 23, 2000 to July 29, 2000

Competitive Factors Reports

The German American Bank, Jasper, Indiana -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of The Holland National 

Bank, Holland.

- Submitted, July 27, 2000 

St. Louis

Mojave Desert Bank, N.A., Mojave, California -- report on competitive factors of 

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

Mammoth Lakes branches of Israel Discount Bank of New York, New York, New 

York.

- Submitted, July 24, 2000 

San Francisco

S&C Bank, New Richmond, Wisconsin -- report on competitive factors of the 

proposed merger with S&C Bank Somerset, Somerset.

- Submitted, July 24, 2000 

Minneapolis

Extensions Of Time

BankTennessee, Collierville, Tennessee -- extension to January 29, 2001, to establish 

a branch at 1125 W. Poplar and to invest in bank premises.

- Granted, July 27, 2000 

St. Louis

The Dai-Ichi Kangyo Bank, Limited, Tokyo, Japan -- extensions to March 9, July 20, 

and September 8, 2003, to divest of three properties.

- Granted, July 28, 2000 

San Francisco

Futurus Financial Services, Inc., Roswell, Georgia -- extension to October 28, 2000, 

to become a bank holding company through the acquisition of Futurus Bank, N.A.

- Granted, July 24, 2000 

Atlanta

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority July 23, 2000 to July 29, 2000

Financial Holding Companies

ABN AMRO Capital Markets Holding, Inc., Chicago, Illinois -- election to become a 

financial holding company.

- Effective, July 26, 2000 

Chicago

Glenwood Bancorporation, Glenwood, Iowa -- election to become a financial 

holding company.

- Effective, July 27, 2000 

Chicago

Resource Bancshares, Inc., DeKalb, Illinois -- election to become a financial holding 

company.

- Effective, July 27, 2000 

Chicago

(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, July 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) State Street Bank and Trust Company, Boston, Massachusetts -

application to merge with Investors Fiduciary Trust Company,

Kansas City, Missouri

Newspaper - N/Avail

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, July 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

Helsinki, Finland, to establish a representative office in New

York, New York.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

3(a)(3) Caixa Geral De Depositos, S.A., Lisbon, Portugal, to retain

ownership and control of approximately 8.8 percent of the

outstanding voting shares of Banco Comercial Portugues,

Oporto, Portugual, and thereby acquire indirectly approximately

8.8 percent of the shares of BPABank, National Association,

Newark, New Jersey.*

Newspaper – 08/10/2000

Fed. Reg. – 07/20/2000

3(a)(3) The Industrial Bank of Japan, Tokyo, Japan to acquire 11.8

percent interest in The Dai-Ichi Kangyo Fuji Trust & Banking

Company, Ltd., Tokyo, Japan.*

Newspaper – N/Avail

Fed Reg – 08/04/2000

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Westdeutsche Landesbank Girozentrale, Dusseldorf, Germany,

to acquire 100 percent of the shares of Phillips Capital

Management, Chicago, Illinois, and thereby engage in

investment advisory activities.

Fed Reg – 08/10/2000
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, July 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Pennsylvania State Bank, Camp Hill, PA, to establish a branch

office at 6480 Carlisle Pike, Mechanicsburg, Cumberland

County, PA.

08/03/2000

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, July 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, July 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Bank of Lancaster, Kilmarnock, Virginia, to purchase certain

assets and assume certain liabilities of two branch offices of

First Virginia Bank, Falls Church, Virginia, and one branch

office of Fist Virginia Bank – Hampton Roads, Norfolk,

Virginia.*

Newspaper – 08/21/2000

18(c) The Patapsco Bank, Dundalk, Maryland, to merge with

Northfield Federal Savings Bank, Baltimore, Maryland.*

Newspaper – 08/21/2000

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

4(c)(8) Patapsco Bancorp, Inc., Dundalk, Maryland, to acquire

Northfield Bancorp, Inc., Baltimore, Maryland.*

Fed Reg – 08/03/2000

Newspaper - 08/21/2000

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

3(a)(1) GrandSouth Bancorporation, Simpsonville, South Carolina, to

become a bank holding company through the acquisition of

100% of the voting shares of GrandSouth Bank, Fountain Inn,

South Carolina.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, July 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First Gulf Bank, Gulf Shores, Alabama, to establish a branch

located at 949 Fairhope Avenue, Fairhope, Alabama.

07/28/2000*

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC Peoples Bancorp, Inc., Carrollton, Georgia, prior notification

filed by Phillip Eugene Kauffman, Barbara Kauffman, Christine

Kauffman, Jason Kauffman, Ryan Kauffman, and Scott

Kauffman to collectively acquire up to 100 percent of

outstanding shares of Peoples Bancorp, Inc., Carrollton,

Georgia.

N/Avail

3(a)(1) First Home Bancorp, Inc., Seminole, Florida, to become a bank

holding company by acquiring First Home Bank, Seminole,

Florida.

08/07/2000*

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

become a bank holding company by acquiring Pinnacle National

Bank, Nashville, Tennessee (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

4(c)(8) Citizens Community Bancorp, Inc., Marco, Island, Florida,

notification to engage in activities related to extending credit,

through activation of Citizens Financial Corporation, Marco

Island, Florida.

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

Type Application

COM Red River Bancshares, Inc., Alexandria, Louisiana, 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

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, July 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) &

 Branches

Ute State Bank (which is currently in the process of becoming a

member in the Federal Reserve System) proposes to purchase

certain assets and assume certain deposits and other liabilities of

the Persia and Pisgah, Iowa branches of Commercial Federal

Bank, Omaha, Nebraska, and thereby establish branch offices at:

109 Main Street, Persia, Iowa; and 102 - 1st Street, Pisgah,

Iowa.*

Newspaper – N/Avail

18(c) &

 Branches

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

merge with Home Loan Bank, FSB, Fort Wayne, Indiana, and

thereby establish branches at 132 East Berry St., Fort Wayne,

Indiana, 1110 E. Tillman Rd., Fort Wayne, Indiana, 5611 Saint

Joe Rd., Fort Wayne, Indiana, 6128 Covington Rd., Fort Wayne,

Indiana, 926 W. State Blvd., Fort Wayne, Indiana, 6411 E. State

Blvd., Fort Wayne, Indiana, 720 E. Dupont Rd., Fort Wayne,

Indiana, 101 N. Second St., Decatur, Indiana, 334 N. Second St.,

Decatur, Indiana and 1230 E. Lincoln Highway, New Haven,

Indiana.*

Newspaper – N/Avail

18(c) &

 Branches

First American Bank, Fort Dodge, Iowa, for prior approval to

merge with First American Bank, Ames, Iowa; First American

Bank, Jewell, Iowa; and First American Bank, Webster City,

Iowa; and thereby establish six branch offices.*

Newspaper – 07/22/2000

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC Tamara S. Jacobson proposes to acquire 30.24% of Rake

Bancorporation, Rake, Iowa. Tamara S. Jacobson and Marlyn

Swenson are Co-trustees of the Gordon E. Swenson Trust, which

owns 69.76% of Rake Bancorporation. Upon acquiring the

30.24%, Tamara S. Jacobson will effectively have control of

100% of Rake Bancorporation.

Fed Reg – 07/05/2000

Newspaper – 08/02/2000
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) Anita Bancorporation, Atlantic, Iowa, for prior approval to

acquire 100% of EWN Investments, Inc., Ute, Iowa, and thereby

indirectly acquire control of at least 95.66% of Ute State Bank,

Ute, Iowa.*

Fed Reg – 08/17/2000

Newspaper – N/Avail

3(a)(3) Capitol Bancorp, Ltd., Lansing, Michigan, for prior approval to

acquire 51 percent of the voting shares of Goshen Community

Bank (in organization), Goshen, Indiana.*

Fed Reg – 08/04/2000

Newspaper – 08/07/2000

3(a)(3) Indiana Community Bancorp Limited, Elkhart, Indiana, for prior

approval to acquire 51 percent of the voting shares of Goshen

Community Bank (in organization), Goshen, Indiana.*

Fed Reg – 08/04/2000

Newspaper – 08/07/2000

3(a)(1) Community Bancshares Spring Green and Plain, Inc., Spring

Green, Wisconsin, for prior approval to become a bank holding

company through the acquisition of 100 percent of the voting

shares of Community Bank Spring Green and Plain, Spring

Green, Wisconsin.*

Fed Reg – 08/21/2000

Newspaper – N/Avail

3(a)(1) Cornerstone Bancorp, Inc., Palatine, Illinois, for prior approval

to become a bank holding company through the acquisition of

100 percent of the voting shares of Cornerstone National Bank

& Trust Company (in organization), Palatine, Illinois.*

Fed Reg – 08/25/2000

Newspaper – N/Avail

3(a)(1) Amana Bancshares, Inc., Southfield, Michigan, for prior

approval to become a bank holding company through the

acquisition of 100 percent of the voting shares of Amana Bank

(in organization), Dearborn, Michigan.*

Fed Reg – 07/17/2000

Newspaper – 07/17/2000

3(a)(3) Southern Michigan Bancorp, Inc., Coldwater, Michigan, for

prior approval to acquire 100 percent of the voting shares of

Sturgis Bank & Trust Company, Sturgis, Michigan.*

Fed Reg – 08/25/2000

Newspaper – N/Avail

4(c)(8) Old Kent Financial Corporation, Grand Rapids, Michigan, for

prior approval to acquire 100 percent of the voting shares of

Home Bancorp, Fort Wayne, Indiana and thereby indirectly

acquire Home Loan Bank, FSB, Fort Wayne, Indiana.*

Fed Reg – 08/25/2000

Newspaper – N/Avail

CIC Notification by Scot A. Wall, as Trustee of the Trust, of a

Change in Control of Cashton Bancshares, Inc., Cashton,

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) Comerica Incorporated, Detroit, Michigan, notification of intent

to acquire through NYCE Corporation, membership interests in

The SafeCheck Company L.L.C., a Delaware limited liability

company.

Fed Reg – N/Avail

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

Type Application

S/R Cashton Bancshares, Inc., Cashton, Wisconsin, notification of

intent to repurchase up to 350 shares of its 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

None
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, July 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Notice by Pinnacle Bank, Little Rock, Arkansas, to establish a

branch office at 2201 Rodney Parham Road, Little Rock,

Arkansas.*

6/21/2000

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

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, July 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8)LLD Franklin Bancorp, Inc. d/b/a Sunrise Community Banks, St.

Paul, Minnesota, to directly engage de novo in the activities of

employee benefits consulting services and data processing.

08/16/2000

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

application for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, July 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Exchange Bank & Trust Company, Perry, Oklahoma, for prior

approval to establish a branch at 14th and Fir Avenue, Perry,

Oklahoma.

Newspaper – 08/02/2000

Branch Centennial Bank of the West, Eaton, Colorado, for prior

approval to establish an additional branch at 4650 Royal Vista

Drive, Fort Collins, Colorado.

Newspaper – 08/04/2000

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 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, July 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Legacy Bank of Texas, Plano, TX, to establish a mobile branch

to provide bank services at temporary locations within the

following six Texas counties: Collin, Dallas, Denton, Rockwall,

Tarrant, and Grayson*

08/04/2000

*Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) Frankston Bancorporation, Inc., Frankston, TX, to acquire

FDB, Inc., Dover, DE, and

First State Bank, Frankston, TX*

(previously reported the week ending July 22, 2000)

Fed Reg – 08/25/2000

Newspaper – 08/21/2000

3(a)(1) FDB, Inc., Dover, DE, to acquire

First State Bank, Frankston, TX*

(previously reported the week ending July 22, 2000)

Fed Reg – 08/25/2000

Newspaper – 08/21/2000

3(a)(1) ENB Bankshares, Inc., Dallas, TX, to acquire

ENB Delaware Bankshares, Inc., Wilmington, DE, and

Eagle National Bank, Dallas, TX*

(previously reported the week ending July 22, 2000)

Fed Reg – 08/21/2000

Newspaper – 08/13/2000

3(a)(1) ENB Delaware Bankshares, Inc., Wilmington, DE, to acquire

Eagle National Bank, Dallas, TX*

(previously reported the week ending July 22, 2000)

Fed Reg – 08/21/2000

Newspaper – 08/13/2000

*Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

25 Texas Capital Bank, N.A., Dallas, TX, to establish an offshore

branch in the Cayman 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
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, July 29, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Foothill Independent Bank, Glendora, California, to establish a

branch office at 27576 Ynez Road, Temecula, California. *

Newspaper - 07/20/2000

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) North Valley Bancorp, Redding, California, to acquire Six

Rivers National Bank, Eureka, California. *

Newspaper - 08/23/2000

Fed Reg - 08/21/2000

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

3(a)(5)(C) NWI Financial Corporation, Seattle, Washington, to become a

bank holding company by acquiring Northwest International

Bank, Seattle, Washington.

Member Coast Commercial Bank, Santa Cruz, California, to become a

member of the Federal Reserve System.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None