Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 52

Week Ending December 23, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 17, 2000 to December 23, 2000

Advisory Councils

Thrift Institutions Advisory Council -- appointment of seven new members and 

designation of Thomas S. Johnson as President and Mark H. Wright as Vice 

President for 2001.

- Announced, December 21, 2000 

Banks, Foreign

Euroclear Bank, Brussels, Belgium -- to establish a representative office in New 

York, New York.

- Approved, December 21, 2000 

Forms

Bank reports -- revisions of structure data reporting requirements for domestic and 

foreign banking organizations.

- Approved, December 15, 2000 (AC)

Regulations And Policies

Financial Holding Companies -- final amendments to Regulation Y on procedures for 

domestic bank holding companies and foreign banking organizations to qualify as 

financial holding companies and permissible activities for financial holding companies 

under the Gramm-Leach-Bliley Act [Docket Nos. R-1057 and R-1062].

- Approved, December 21, 2000 

Financial institutions examinations -- interagency report to Congress on efforts to 

coordinate examinations as required by the Riegle Community Development and 

Regulatory Improvement Act.

- Approved, December 19, 2000 

Regulation G (Disclosure and Reporting of CRA-Related Agreements) -- interagency 

final regulations to implement the Community Reinvestment Act sunshine 

requirements of the Gramm-Leach-Bliley Act [Docket No. R-1069].

- Approved, December 21, 2000 

Regulation Y -- interim rule and request for comment to define three categories of 

activities as financial in nature or incidental to a financial activity under section 

4(k)(5) of the Bank Holding Company Act, and procedures to determine if activities 

fall within these categories.

- Approved, December 21, 2000 

(AC) = Addition or Correction Board - Page 1 of 2
H.2 Board Actions December 17, 2000 to December 23, 2000

Regulations And Policies

Subordinated Debt -- report to Congress on the feasibility and desirability of a 

mandatory subordinated debt requirement on certain large banking organizations.

- Approved, December 13, 2000 (AC)

Reserve Bank Services

Private Sector Adjustment Factor -- request for comment on proposed changes to 

the methodology for calculating the private sector adjustment factor and net income 

on clearing balances [Docket No. R-1095].

- Approved, December 21, 2000 

(AC) = Addition or Correction Board - Page 2 of 2
December 17, 2000 to December 23, 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

AmSouth Bank, Birmingham, Alabama -- to establish a branch at 14965 N. Florida 

Avenue, Tampa, Florida.

- Approved, December 20, 2000 

Secretary

Arvest Bank, Norman, Oklahoma -- to establish a branch at 824 S.E. 4th Street, 

Moore.

- Approved, December 22, 2000 

Kansas City

California Center Bank, Los Angeles, California -- to establish branches at 3435 

Wilshire Boulevard; 2742 West Sepulveda Boulevard, Torrance; and 17127 Pioneer 

Boulevard, Artesia.

- Approved, December 19, 2000 

San Francisco

Community First Bank, Lynchburg, Virginia -- to establish a branch at 2301 

Langhorne Road.

- Approved, December 20, 2000 

Richmond

Compass Bank, Birmingham, Alabama -- to establish a branch in the Albertson's 

store at North McClintock Drive and West Ray Road, Chandler, Arizona.

- Approved, December 18, 2000 

Secretary

Dakota Bank, Mendota Heights, Minnesota -- to establish a branch at 401 Robert 

Street, St. Paul.

- Approved, December 22, 2000 

Minneapolis

James Monroe Bank, Arlington, Virginia -- to establish a branch at 606 South King 

Street, Leesburg.

- Approved, December 20, 2000 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 10
H.2 Actions under delegated authority December 17, 2000 to December 23, 2000

Bank Branches, Domestic

Monarch Bank, Chesapeake, Virginia -- to establish a branch at 2700 Virginia Beach 

Boulevard, Virginia Beach.

- Approved, December 22, 2000 

Richmond

Orrstown Bank, Orrstown, Pennsylvania -- to establish a branch at 13 Center Square, 

Greencastle.

- Approved, December 22, 2000 

Philadelphia

Bank Holding Companies

Alliance Capital Partners, LP, Jacksonville, Florida -- waiver of application for the 

merger of First Alliance Bank and Marine National Bank, Jacksonville.

- Granted, December 21, 2000 

Atlanta

Amana Bancshares, Inc., Southfield, Michigan -- to become a bank holding company 

through the acquisition of Amana Bank, Dearborn, a de novo bank.

- Approved, December 22, 2000 

Chicago

Bank Hapoalim U.S.A. Holding Company, Inc., New York, New York; Arison 

Holding (1998) Ltd., Tel Aviv, Israel; and Israel Salt Industries Ltd., Atlit -- to 

engage de novo through a subsidiary, Signature Securities Group Corporation, in 

certain nonbanking activities.

- Approved, December 20, 2000 

New York

Bank of America Corporation, Charlotte, North Carolina -- to acquire Bank of 

America Georgia, National Association, Atlanta, Georgia.

- Approved, December 20, 2000 

Richmond

BB&T Bancshares Corporation, Bloomingdale, Illinois -- to engage in extending 

credit and servicing loans.

- Returned, December 21, 2000 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 10
H.2 Actions under delegated authority December 17, 2000 to December 23, 2000

Bank Holding Companies

Central Financial Corporation, Hutchinson, Kansas -- to acquire shares of TTAC 

Corp., Manhattan, and thereby acquire Community First National Bank, a de novo 

bank.

- Approved, December 22, 2000 

Kansas City

Chesapeake Financial Shares, Inc., Kilmarnock, Virginia -- to engage de novo in 

trust and securities brokerage activities.

- Approved, December 21, 2000 

Richmond

F & M National Corporation, Winchester, Virginia -- to merge with Community 

Bankshares of Maryland, Inc., Bowie, Maryland; and for F & M Bank-Maryland, 

Bethesda, to merge with Community Bank of Maryland, Bowie.

- Approved, December 20, 2000 

Richmond

First Capital Bankshares, Incorporated, Peoria, Illinois -- to acquire shares of 

Community Bank of Lemont, Lemont, a de novo bank.

- Withdrawn, December 19, 2000 

Chicago

Goering Financial Holding Company Partnership, LP, Moundridge, Kansas, and 

Goering Management Company, LLC -- for Goering Financial Holding Company 

Partnership, LP, to acquire shares of BON, Inc. and thereby acquire Citizens State 

Bank; and for Goering Management Company, LLC to acquire Goering Financial 

Holding Company Partnership, LP, and thereby indirectly acquire BON, Inc., and 

Citizens State Bank.

- Approved, December 20, 2000 

Kansas City

Illinois State Bancorp, Inc., Wheaton, Illinois -- relief from a commitment.

- Granted, December 15, 2000 (AC)

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 10
H.2 Actions under delegated authority December 17, 2000 to December 23, 2000

Bank Holding Companies

Manning Financial Services, Inc., Manning, Iowa -- to engage in extending credit and 

servicing loans.

- Approved, December 20, 2000 

Chicago

Midwest Banc Holdings, Inc., Melrose Park, Illinois -- to acquire through its 

subsidiary, Midwest Financial and Investment Services, Inc., Elmwood Park, the 

assets of Service 1st Financial Corporation, and thereby engage in securities 

brokerage activities.

- Withdrawn, December 19, 2000 

Chicago

Mountain West Financial Corp., Helena, Montana -- to acquire shares of Bank West 

Financial, Inc., Kalispell.

- Approved, December 21, 2000 

Minneapolis

North Texas Bancshares, Inc., Dallas, Texas, and North Texas Bancshares of 

Delaware, Inc., Wilmington, Delaware -- for North Texas Bancshares of Delaware, 

Inc. to become a bank holding company through the acquisition of Park Cities Bank, 

Dallas, Texas; and for North Texas Bancshares, Inc. to become a bank holding 

company through the acquisition of both institutions.

- Approved, December 21, 2000 

Dallas

Otto Bremer Foundation, Saint Paul, Minnesota, and Bremer Financial 

Corporation -- relief from a commitment.

- Granted, December 21, 2000 

Director, BS&R

Seacoast Financial Services Corporation, New Bedford, Massachusetts -- to acquire 

Home Port Bancorp, Inc., Nantucket, and Nantucket Bank. 

- Approved, December 11, 2000 (AC)

Boston

(AC) = Addition or Correction Delegated - Page 4 of 10
H.2 Actions under delegated authority December 17, 2000 to December 23, 2000

Bank Holding Companies

Sterling Bancshares, Inc., Houston, Texas, and Sterling Bancorporation, Inc., 

Wilmington, Delaware -- to acquire Caminoreal Delaware, Inc., Wilmington; 

Caminoreal Bancshares, Inc., San Antonio, Texas; and Caminoreal Bank, National 

Association.

- Withdrawn, December 21, 2000 

Dallas

Sturm Financial Group, Inc., Denver, Colorado -- to acquire Community Financial 

Services, Inc. and engage in data processing services.

- Approved, December 18, 2000 

Kansas City

United Bancshares, Columbus Grove, Ohio -- to acquire Citizens Bank of Delphos, 

FSB, Delphos.

- Withdrawn, December 19, 2000 

Cleveland

Bank Mergers

Bank of Tazewell County, Tazewell, Virginia -- to acquire the Bluefield branch of 

First Union National Bank, Charlotte, North Carolina.

- Approved, December 21, 2000 

Richmond

First American Bank, Fort Dodge, Iowa -- to purchase the assets and assume the 

liabilities of two Des Moines and one Urbandale branch of Brenton Bank, Des 

Moines, and thereby establish branches.

- Approved, December 15, 2000 (AC)

Chicago

Banks, Nonmember, And Miscellaneous Institutions

CyberCash, Inc., Reston, Virginia -- deregistration under Regulation U.

- Approved, December 20, 2000 

Richmond

(AC) = Addition or Correction Delegated - Page 5 of 10
H.2 Actions under delegated authority December 17, 2000 to December 23, 2000

Banks, Nonmember, And Miscellaneous Institutions

Integrated Health Services, Inc., Sparks, Maryland -- deregistration under Regulation 

U.

- Approved, December 20, 2000 

Richmond

State Employees Credit Union, Raleigh, North Carolina -- deregistration under 

Regulation U.

- Approved, December 20, 2000 

Richmond

Telco Credit Union, Tarboro, North Carolina -- deregistration under Regulation U.

- Approved, December 20, 2000 

Richmond

Trak Auto Corporation, Landover, Maryland -- deregistration under Regulation U.

- Approved, December 20, 2000 

Richmond

V-One Corporation, Germantown, Maryland -- deregistration under Regulation U.

- Approved, December 20, 2000 

Richmond

Banks, State Member

Midwest Bank and Trust Company, Elmwood Park, Illinois -- to establish and invest 

in an agreement corporation subsidiary, MBTC Investment Company, Hamilton, 

Bermuda, and thereby manage and administer a portion of the bank's investment 

portfolio.

- Withdrawn, December 19, 2000 

Chicago

The Missouri Bank, Warrenton, Missouri -- to make an additional investment in bank 

premises.

- Approved, December 18, 2000 

St. Louis

(AC) = Addition or Correction Delegated - Page 6 of 10
H.2 Actions under delegated authority December 17, 2000 to December 23, 2000

Change In Bank Control

Charter 95 Corporation, St. Paul, Minnesota -- change in bank control.

- Permitted, December 22, 2000 

Minneapolis

FirstPerryton Bancorp, Inc., Perryton, Texas -- change in bank control.

- Permitted, December 21, 2000 

Dallas

Kleberg and Company Bankers, Inc., Kingsville, Texas -- change in bank control.

- Permitted, December 22, 2000 

Dallas

Mid-Nebraska Company, Inc., Kearney, Nebraska -- change in bank control.

- Permitted, December 22, 2000 

Kansas City

Padgett Enterprises, LP, Greenleaf, Kansas -- change in bank control.

- Permitted, December 19, 2000 

Kansas City

Competitive Factors Reports

BankPlus, Belzoni, Mississippi -- report on competitive factors of the proposed 

purchase of certain assets and assumption of certain liabilities of the 100 Bellegrove 

Boulevard, Brandon, branch of Citizens State Bank, Magee.

- Submitted, December 19, 2000 

St. Louis

Brighton Bank, Brighton, Tennessee -- report on competitive factors of the proposed 

merger with Delta Bank & Trust, Drew, Mississippi.

- Submitted, December 19, 2000 

St. Louis

Crest Interim Savings Bank, Wildwood Crest, New Jersey, and CSB Interim Savings 

Bank -- report on competitive factors of the proposed merger with Crest Savings 

Bank.

- Submitted, December 19, 2000 

Philadelphia

(AC) = Addition or Correction Delegated - Page 7 of 10
H.2 Actions under delegated authority December 17, 2000 to December 23, 2000

Competitive Factors Reports

First National Bank in Munday, Munday, Texas -- report on competitive factors of 

the proposed merger with Home State Bank, Rochester.

- Submitted, December 19, 2000 

Dallas

First National Bank of Blue Island, Blue Island, Illinois -- report on competitive 

factors of the proposed merger with Bank of Homewood, National Association, 

Homewood.

- Submitted, December 21, 2000 

Chicago

First-Citizens Bank & Trust Company, Raleigh, North Carolina -- report on 

competitive factors of the proposed merger with Wimbish Insurance Agency, Inc., 

Greensboro.

- Submitted, December 19, 2000 

Richmond

The Miners' State Bank of Iron River, Iron River, Michigan -- report on competitive 

factors of the proposed merger with MSB Interim Bank of Iron River.

- Submitted, December 22, 2000 

Minneapolis

NJM Bank, FSB, West Trenton, New Jersey -- report on competitive factors of the 

proposed acquisition of certain IRA accounts from Cenlar Federal Savings Bank, 

Ewing Township.

- Submitted, December 19, 2000 

Philadelphia

Park Cities Bank, Dallas, Texas -- report on competitive factors of the proposed 

merger with New Park Cities Bank.

- Submitted, December 19, 2000 

Dallas

(AC) = Addition or Correction Delegated - Page 8 of 10
H.2 Actions under delegated authority December 17, 2000 to December 23, 2000

Extensions Of Time

European American Bank, Uniondale, New York -- extension to April 30, 2001, to 

establish a branch at 326-328 Court Street, Brooklyn.

- Granted, December 11, 2000 (AC)

New York

Oswego Community Bank Employee Stock Ownership Plan, Oswego, Illinois -- 

extension to February 3, 2001, to become a bank holding company and to increase 

its interest in Oswego Bancshares, Inc., and thereby acquire Oswego Community 

Bank.

- Granted, December 18, 2000 

Chicago

Tradition Bancshares, Inc., Houston, Texas, and Tradition Bancshares of Delaware, 

Inc., Wilmington, Delaware -- extensions to March 20, 2001, for Tradition 

Bancshares of Delaware, Inc. to become a bank holding company through the 

acquisition of First National Bank of Bellaire, Houston; and for Tradition 

Bancshares, Inc. to become a bank holding company through the acquisition of both 

institutions.

- Granted, December 21, 2000 

Dallas

Financial Holding Companies

CCFNB Bancorp, Inc., Bloomsburg, Pennsylvania -- election to become a financial 

holding company.

- Effective, December 19, 2000 

Philadelphia

Comerica Incorporated, Detroit, Michigan, and Comerica Holdings Incorporated -- 

election to become a financial holding company.

- Effective, December 19, 2000 

Chicago

Great Southern Bancorp, Inc., Springfield, Missouri -- election to become a financial 

holding company.

- Effective, December 12, 2000 (AC)

St. Louis

(AC) = Addition or Correction Delegated - Page 9 of 10
H.2 Actions under delegated authority December 17, 2000 to December 23, 2000

Financial Holding Companies

Union Bancshares of Benton, Inc., Benton, Arkansas -- election to become a 

financial holding company.

- Effective, December 12, 2000 (AC)

St. Louis

Membership

First National Bank, Antlers, Oklahoma -- to retain membership in the Federal 

Reserve System after conversion to a state-chartered institution.

- Approved, December 21, 2000 

Kansas City

First State Bank of Round Lake, Round Lake Beach, Illinois -- membership in the 

Federal Reserve System.

- Approved, December 20, 2000 

Chicago

Sylvan State Bank, Sylvan Grove, Kansas -- membership in the Federal Reserve 

System.

- Approved, December 18, 2000 

Kansas City

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on November 15, 2000.

- Published, December 21, 2000 

FOMC

(AC) = Addition or Correction Delegated - Page 10 of 10
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, December 23, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, December 23, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

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

and representative offices in San Francisco, California, and

Atlanta, Georgia.

Newspaper – N/Avail

FBSEA RheinHyp Rheinische Hypothekenbank, AG, Frankfurt,

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

York.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

Change in Control Change in Bank Control with regard to Warwick Community

Bancorp, Inc. Employee Stock Ownership Plan to acquire up to

10.32 percent of the outstanding stock of Warwick Community

Bancorp, Inc., Warwick, New York.

Newspaper – N/Avail

Fed Reg -– 01/03/2001

3(a)(1)/3(a)(5) Chinatrust Commercial Bank, Ltd, Taipei, Taiwan, to indirectly

acquire 100 percent of the shares of Chinatrust Bank (U.S.A.),

Torrance, California.

Newspaper – N/Avail

Fed Reg -– 01/19/2001

* 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, December 23, 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) PSB, Bancorp, Philadelphia, PA, to acquire 10.6% of the

outstanding stock Jade Financial Corp., Feasterville, PA, a

savings and loan holding comapny.

Fed. Reg.: 01/19/2001

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, December 23, 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, December 23, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch The First Bank and Trust Company, Lebanon, Virginia, to

establish a branch at 396 South High Street, Harrisonburg,

Virginia.*

Newspaper - 01/01/2001

FBSEA Allied Irish Banks, p.l.c., Dublin, Ireland, to establish a

representative office in San Francisco, California.*

Newspaper - N/Avail

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(3) Century Bancshares, Inc., Washington, D. C., to acquire

GrandBanc, Inc., Rockville, Maryland.*

Fed Reg - N/Avail

Newspaper - 01/18/2001

*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 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, December 23, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at 301 Summit Boulevard, Birmingham, Alabama, to be

known as the Summit Office.

12/29/2000*

18C SouthTrust Bank, Birmingham, Alabama, to acquire certain

assets and assume certain liabilities of three Panama City Beach,

Florida branches of First Union National Bank, Charlotte, North

Carolina.

01/11/2001*

*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 Palm Beach National Holding Company, Palm Beach, Florida,

after-the-fact notification filed by Mr. Pedro Gil Morrison to

retain 16.92 percent of the outstanding shares of Palm Beach

National Holding Company, Palm Beach, Florida.

N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

Membership Farmers & Merchants Bank, Eatonton, Georgia, to become a

member of the Federal Reserve System.

Membership First Bank of Coastal Georgia, Pembroke, Georgia, to become a

member of the Federal Reserve System.

Membership The Farmers Bank, Union Point, Georgia, 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
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, December 23, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Premier Bank, Dubuque, Iowa, for prior approval to establish a

branch at 140 W. 9th Street, Dubuque, Iowa.*

Newspaper – 12/31/2000

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

establish branches at 935 Union Lake Road, White Lake

Township, Michigan and at 7700 Nemco Way, Brighton,

Michigan.*

Newspaper – 11/24/2000

* Subject to the provisions of the Community Reinvestment Act

Newspaper - Newspaper Comment Period Ending Date

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

Type Application

Ending date of

comment period

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

acquire 100 percent of the voting shares of Imperial Bancorp,

Inglewood, California and thereby indirectly acquire Imperial

Bank, Inglewood, California .*

Fed Reg – 01/02/2001

Newspaper – 01/01/2001

3(a)(3) First Capital Bankshares, Incorporated, Peoria, Illinois, for prior

approval to acquire 20 percent of the voting shares of

Community Bank of Lemont (in organization), Lemont,

Illinois.*

Fed Reg – 01/05/2001

Newspaper – 12/15/2000

3(a)(1) Worth Bancorp, Spartanburg, Indiana, for prior approval to

become a bank holding company through the acquisition of 100

percent of the voting shares of Worth Bank, Spartanburg,

Indiana (in organization).*

Fed Reg – N/Avail

Newspaper – 01/11/2001

3(a)(3) Indiana United Bancorp, Greensburg, Indiana, for prior approval

to acquire 100 percent of the voting shares of Regional Federal

Savings Bank, New Albany, Indiana. (Bank will convert to a

state chartered commercial bank to be known as Regional

Bank).*

Fed Reg – N/Avail

Newspaper – 01/11/2001
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) Stichting Prioriteit ABN AMRO Holding, Stichting

Administratiekantoor ABN AMRO Holding, ABN AMRO

Holding N.V., ABN AMRO Bank N.V., all located in

Amsterdam, The Netherlands; ABN AMRO North America

Holdings Company and ABN AMRO North America, Inc., both

located in Chicago, Illinois; for prior approval to acquire 100

percent of the voting shares of Michigan National Corporation,

Farmington Hills, Michigan, and thereby indirectly acquire

Michigan National Bank, Farmington Hills, Michigan.*

Fed Reg – 01/16/2001

Newspaper – N/Avail

4(c)(8) Michigan National Corporation, Farmington Hills,

Michigan, for prior approval to acquire 100 percent of the

voting shares of Standard Federal Bancorporation, Inc.,

Troy, Michigan and thereby indirectly acquire Standard

Federal Bank, Troy, Michigan and thereby engage in the

nonbanking activity of operating a savings association.*

Fed Reg – 01/16/2001

Newspaper – N/Avail

CIC Notification by Rick R. Messerschmidt and William R.

Messerschmidt, as Trustees of the Roy W. Messerschmidt 2000

Irrevocable Trust, to control up to 46.9 percent of the

outstanding voting shares of FNB Holding Co., West Des

Moines, Iowa.

Fed Reg – 01/10/2001

Newspaper – N/Avail

CIC Notification by Tubbs-Ohnward Limited Partnership, AMBA

Limited Partnership, J.F. Limited Partnership, and E.F. Limited

Partnership, all of Maquoketa, Iowa, to acquire 19.4%, 9.6%,

16.2%, and 14.4%, respectively, of Ohnward Bancshares, Inc.,

Maquoketa, Iowa

Fed Reg – 12/27/2001

Newspaper – N/Avail

3(a)(1) First BancTrust Corporation, Paris, Illinois, for prior approval to

become a bank holding company through the acquisition of 100

percent of the voting shares of First Bank & Trust, S.B., Paris,

Illinois.*

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notification by Lyle P. Campbell, Craig L. Campbell, Verna C.

Malone and Thomas E. Malone, of a Change in Control of

Terrapin Bancorp, Inc., Elizabeth, Illinois.

Fed Reg – N/Avail

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Fed Reg - Federal Register Comment Period Ending Date

Newspaper - Newspaper Comment Period Ending Date

N/Avail - Not Available (Not yet available; Not available at this time)
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Stichting Prioriteit ABN AMRO Holding, Stichting

Administratiekantoor ABN AMRO Holding, ABN AMRO

Holding N.V., ABN AMRO Bank N.V., all located in

Amsterdam, The Netherlands; ABN AMRO North America

Holdings Company and ABN AMRO North America, Inc., both

located in Chicago, Illinois; for prior approval to acquire

Independence Life Insurance Company, Phoenix, Arizona and

Independence One Capital Management Corporation,

Farmington Hills, Michigan.

Fed Reg – 01/16/2001

4(c)(8) National Australia Bank Limited, Melbourne, Australia,

notification of intent to acquire, indirectly through its whollyowned subsidiary, 02-e Limited, an equity interest in

thinkorswim, Inc., a newly formed Delaware corporation.

Fed Reg – N/Avail

Fed Reg - Federal Register Comment Period Ending Date

N/Avail - Not Available (Not yet available; Not available at this time)

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.
Section V – Availability of CRA public evaluations

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

2813491 Peoples Bank of Arlington Heights

10 S. Vail Avenue

Arlington Heights, Illinois 60005

(847) 368-0100

08/21/2000 12/21/2000 NI X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, December 23, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3), 3(a)(3) Companion notices by The Lea M. McMullan Trust,

Shelbyville, Kentucky, and Citizens Union Bancorp of

Shelbyville, Inc., Shelbyville, Kentucky, to acquire Dupont State

Bank, Dupont, Indiana. (Previously submitted during the week

ending December 16, 2000)*

Newspaper – 1/7/2001

Fed Reg – 1/19/2001

CIC Notice involving Lake Hamilton Enterprises, Inc., Little Rock,

Arkansas, by Lake Hamilton Enterprises Limited Partnership,

Little Rock, Arkansas, to acquire 45.94 percent.

Newspaper – 1/19/2001

Fed Reg – N/Avail.

CIC Notice involving First Paris Holding Company, Little Rock,

Arkansas, by First Paris Limited Partnership, Little Rock,

Arkansas, to acquire 37.64 percent.

Newspaper – 1/19/2001

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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, December 23, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Dakota Bank, Mendota Heights, Minnesota proposes to establish

a branch at 401 Robert Street, St. Paul, Minnesota.*

12/15/2000

*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)THE Glacier Bancorp, Inc., Kalispell, Montana, proposes to acquire

WesterFed Financial Corporation, and its subsidiary Western

Security Bank, a federal savings bank, both of Missoula,

Montana.*

Fed. Reg. – 01/16/2001

*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

663058 Rocky Mountain Bank

Billings, Montana

08/28/2000 12/22/2000 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, December 23, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Clayco Banc Corporation, Claycomo, Missouri, for prior

approval to become a bank holding company through the

acquisition of 100 percent of the issued and outstanding stock of

Clayco Bancshares, Inc., Claycomo, Missouri.

Newspaper – 01/05/2001

FedReg – 01/19/2001

CIC James A. Waters, Wynnewood, Oklahoma, and Janet G. Streich,

Englewood, Colorado; to acquire voting shares of Garvin

County Bancshares, Inc., Wynnewood, Oklahoma, and thereby

indirectly acquire voting shares of State Bank of Wynnewood,

Wynnewood, Oklahoma.

Newspaper - 12/31/2000

FedReg – 01/02/2001

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

Member First National Bank, Antlers, Oklahoma, to retain membership in

the Federal Reserve System following its conversion from a

national to a state chartered institution.

Member Western Bank, Gallup, New Mexico, for membership in the

Federal Reserve System.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, December 23, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC James Ross McKnight, Throckmorton, TX, to acquire an interest

in Throckmorton Bancshares, Inc., Throckmorton, TX

Fed Reg – 01/10/2001

Newspaper – 01/05/2001

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

Bancorporation, Inc., Wilmington, DE, to acquire

CaminoReal Bancshares, Inc., San Antonio, TX,

CaminoReal Delaware, Inc., Wilmington, DE, and

CaminoReal Bank, National Association, San Antonio, TX*

Fed Reg – 01/16/2001

Newspaper – 01/07/2001

*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

63957 Lone Star Bank

12727 East Freeway

Houston, Texas 77015

09/18/2000 12/23/2000 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, December 23, 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

533964 Civicbank of Commerce

2101 Webster Street

Oakland, California 94612-3043

(510) 836-6500

08/21/2000 12/19/2000 S X

The above listing has been prepared as a courtesy by the Federal Reserve Bank of San Francisco, and is not

intended to replace formal notices required by statute or regulation; the Reserve Bank assumes no responsibility

for errors or omissions.

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None