Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 33

Week Ending August 14, 1999

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions August 8, 1999 to August 14, 1999

Regulations And Policies

Regulation BB, Community Reinvestment Act -- extension without revision of 

recordkeeping, reporting, and disclosure requirements.

- Approved, August 11, 1999 

Enforcement

Bank of Adairsville, Adairsville, Georgia -- written agreement dated December 10, 

1998, partially terminated May 6, 1999.

- Announced, August 9, 1999 

Belmont Bancorp, Bridgeport, Ohio -- written agreement with the Federal Reserve 

Bank of Cleveland.

- Announced, August 11, 1999 

Farmers & Merchants Bank, Long Beach, California -- written agreement dated 

November 30, 1992, terminated April 29, 1999.

- Announced, August 9, 1999 

Hanmi Bank, Los Angeles, California -- written agreement dated December 9, 1994, 

terminated June 22, 1999.

- Announced, August 9, 1999 

Hinsbrook Bank and Trust, Willowbrook, Illinois. -- prohibition order and cease and 

desist order against Craig J. Fahrner, a former institution-affiliated party.

- Announced, August 9, 1999 

Marin National Bancorp, Las Vegas, Nevada -- written agreement dated March 23, 

1993, terminated July 29, 1999.

- Announced, August 9, 1999 

Skandinaviska Enskilda Banken, Stockholm, Sweden, its New York branch and New 

York State-chartered Article XII corporation -- cease and desist order dated 

September 17, 1997, terminated August 5, 1999.

- Announced, August 9, 1999 

(AC) = Addition or Correction Board - Page 1 of 1
August 8, 1999 to August 14, 1999

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Barnes Banking Company, Kaysville, Utah -- to establish a branch at 1840 East 

Skyline Drive, South Ogden.

- Approved, August 11, 1999 

Secretary

Colonial Bank, Montgomery, Alabama -- to establish a branch at 140 N. Federal 

Highway, Boca Raton, Florida.

- Approved, August 11, 1999 (AC)

Atlanta

Farmers Citizens Bank, Bucyrus, Ohio -- to establish a branch at 169 North Main 

Street, Fredericktown.

- Approved, August 8, 1999 

Cleveland

Orrstown Bank, Orrstown, Pennsylvania -- to purchase the assets and assume the 

liabilities of a Sovereign Bank branch at 1730 Lincoln Way East, Chambersburg.

- Approved, August 9, 1999 

Philadelphia

SunTrust Bank, North Central Florida, Ocala, Florida -- to establish a branch at 

10970 S.E. 175th Place, Summerfield.

- Approved, August 10, 1999 

Atlanta

Bank Holding Companies

Atlantic BancGroup, Inc., Jacksonville, Florida -- modification of a commitment.

- Approved, August 11, 1999 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority August 8, 1999 to August 14, 1999

Bank Holding Companies

CNB Financial Corporation, Clearfield, Pennsylvania -- to acquire First National 

Bank of Spangler, Spangler, through merger with CNB's subsidiary bank, County 

National Bank, Clearfield.

- Approved, August 11, 1999 

Philadelphia

First Mutual Bancshares, Inc., Bellevue, Washington -- to become a bank holding 

company through the acquisition of First Mutual Savings Bank.

- Approved, August 12, 1999 

San Francisco

First National of Nebraska, Inc., Omaha, Nebraska -- to acquire Commercial 

Banshares, Inc., Mitchell, South Dakota.

- Permitted, August 11, 1999 

Secretary

Greater Bay Bancorp, Palo Alto, California -- to merge with Bay Commercial 

Services, San Leandro, and thereby acquire Bay Bank of Commerce.

- Approved, August 10, 1999 

San Francisco

Inwood Bancshares, Inc., Dallas, Texas; and Inwood Delaware, Inc., Dover, 

Delaware -- to acquire Provident Bank, Dallas.

- Approved, August 12, 1999 

Dallas

Lehigh Acres First National Bancshares, Inc., Lehigh Acres, Florida -- to become a 

bank holding company through the acquisition of Lehigh Acres First National Bank, 

a de novo bank.

- Approved, August 13, 1999 

Atlanta

Mercantile Bancorp, Inc., Quincy, Illinois -- to acquire Farmers State Bancshares of 

Savannah County, Inc., Savannah, Missouri, and thereby acquire Farmers State Bank 

of Northern Missouri.

- Approved, August 10, 1999 

St. Louis

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority August 8, 1999 to August 14, 1999

Bank Holding Companies

National City Corporation, Cleveland, Ohio -- to acquire First Franklin Financial 

Companies, Inc., San Jose, California.

- Approved, August 10, 1999 

Cleveland

National Westminster Bank PLC, London, England -- to engage de novo in 

underwriting and dealing in debt securities to a limited extent through its subsidiary, 

Greenwich Capital Markets, Inc., Greenwich, Connecticut.

- Approved, August 12, 1999 

New York

Peoples Florida Banking Corporation, Palm Harbor, Florida -- to become a bank 

holding company through the acquisition of Peoples Bank.

- Approved, August 13, 1999 

Atlanta

Premier Bancshares, Inc., Atlanta, Georgia -- to acquire Bank Atlanta, Decatur.

- Approved, August 9, 1999 

Atlanta

Prosperity Bancshares, Inc., Houston, Texas -- to acquire South Texas Bancshares, 

Inc., Beeville; The Commercial National Bank of Beeville; and CNB Delaware 

Company, Dover, Delaware. 

- Approved, August 12, 1999 

Dallas

Summersville Bancorporation, Inc., Summersville, Missouri -- to acquire shares of 

First National Bank.

- Approved, August 10, 1999 

St. Louis

Susquehanna Bancshares, Inc., Lititz, Pennsylvania -- modification of a commitment.

- Approved, August 12, 1999 

Philadelphia

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority August 8, 1999 to August 14, 1999

Bank Holding Companies

Synovus Financial Corporation, Columbus, Georgia; and TB&C Bancshares, Inc. -- 

to merge with Merit Holding Corporation, Tucker, and thereby acquire Mountain 

National Bank and Charter Bank & Trust Company, Marietta.

- Approved, August 9, 1999 

Atlanta

Vista Bancorp, Inc., Phillipsburg, New Jersey -- transfer agent registration.

- Withdrawn, August 11, 1999 

Director, BS&R

Wells Fargo & Company, San Francisco, California; Norwest Financial Services, 

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

Realty Financial, Inc., Hilo, Hawaii.

- Approved, August 10, 1999 

San Francisco

Bank Mergers

Pullman Bank and Trust Company, Chicago, Illinois -- to merge with Chicago City 

Bank and Trust Company, and thereby establish branches at 815 West 63rd Street 

and 715 West 63rd Street.

- Approved, August 13, 1999 

Chicago

Banks, State Member

First State Bank of DeQueen, DeQueen, Arkansas -- to relocate its main office to 

402 West Collin Raye Drive.

- Approved, August 12, 1999 

St. Louis

Change In Bank Control

First Citizens Bancorp, Cleveland, Tennessee -- change in bank control.

- Permitted, August 9, 1999 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority August 8, 1999 to August 14, 1999

Change In Bank Control

First National Community Bancorp, Inc., Dunmore, Pennsylvania -- change in bank 

control.

- Permitted, August 13, 1999 

Philadelphia

Competitive Factors Reports

Bank Midwest, National Association, Kansas City, Missouri -- report on competitive 

factors of the proposed purchase of the Excelsior Springs branches of Commerce 

Bank, National Association, Kansas City.

- Submitted, August 13, 1999 

Kansas City

Commercial Bank of Alma, Alma, Arkansas -- report on competitive factors of the 

proposed merger with City National Bank of Fort Smith, Fort Smith.

- Submitted, August 9, 1999 

St. Louis

Davison State Bank, Davison, Michigan -- report on competitive factors of the 

proposed acquisition of two branches of The State Bank, Fenton.

- Submitted, August 12, 1999 

Chicago

First United Bank and Trust, Durant, Oklahoma -- report on competitive factors of 

the proposed purchase of the Seminole, Wewoka, and Holdenville branches of First 

State Bank, Oklahoma City.

- Submitted, August 9, 1999 

Kansas City

Hudson United Bank, Union City, New Jersey -- report on competitive factors of the 

proposed acquisition of Farmers & Merchants National Bank, Bridgeton.

- Submitted, August 12, 1999 

New York

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority August 8, 1999 to August 14, 1999

Competitive Factors Reports

Kearny Federal Savings Bank, FSB, Kearny, New Jersey -- report on competitive 

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

of Pulaski Savings Bank, Springfield.

- Submitted, August 11, 1999 

New York

Key Interim National Bank of Michigan, Ann Arbor, Michigan -- report on 

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

of 98 branches of KeyBank, N.A., Cleveland, Ohio, and of the proposed merger with 

KeyBank.

- Submitted, August 6, 1999 (AC)

Cleveland

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

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

branches of PNC Bank, N.A., Pittsburgh.

- Submitted, August 6, 1999 (AC)

Cleveland

The Park National Bank, Newark, Ohio -- report on competitive factors of the 

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

of National City Bank, Cleveland, at 33 South Main Street, Utica.

- Submitted, August 6, 1999 (AC)

Cleveland

Peoples Bank and Trust Company of Madison County, Berea, Kentucky -- to 

purchase certain assets and assume deposit liabilities of the Waco branch of National 

City Bank of Kentucky, Louisville.

- Submitted, August 6, 1999 (AC)

Cleveland

Sandy Spring National Bank of Maryland, Olney, Maryland -- report on competitive 

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

of seven branches of Mellon Bank (MD), National Association, Rockville.

- Submitted, August 12, 1999 

Richmond

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority August 8, 1999 to August 14, 1999

Competitive Factors Reports

Stockman Bank of Montana, Miles City, Montana -- report on competitive factors of 

the proposed merger with State Bank of Terry, Terry.

- Submitted, August 11, 1999 

Minneapolis

U.S. Bank, N.A., Minneapolis, Minnesota -- report on competitive factors of the 

proposed merger with Santa Monica Bank, Santa Monica, California, and Southern 

California Bank, Newport Beach.

- Submitted, August 13, 1999 

Secretary

Extensions Of Time

Belvedere Capital Partners LLC, San Francisco, California; and California 

Community Financial Institutions Fund Limited Partnership -- extension to 

November 24, 1999, to acquire shares of Cerritos Valley Bancorp, Norwalk.

- Granted, August 11, 1999 

San Francisco

Farmers & Merchants Bank of Rockford, Spokane, Washington -- extension to 

September 8, 2000, to open a branch at 1604 W. Francis.

- Granted, August 9, 1999 

San Francisco

First National Bank of Nevada Holding Company, Scottsdale, Arizona -- extension 

to October 20, 1999, to acquire First Bank of Arizona, N.A., a de novo bank.

- Granted, August 9, 1999 

San Francisco

First Ottawa Bancshares, Inc., Ottawa, Illinois -- extension to October 15, 1999, to 

become a bank holding company through the acquisition of First National Bank of 

Ottawa. 

- Granted, August 11, 1999 

Chicago

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority August 8, 1999 to August 14, 1999

Extensions Of Time

First Personal Financial Corp., Orland Park, Illinois -- extension to November 24, 

1999, to become a bank holding company through the acquisition of First Personal 

Bank, a de novo bank.

- Granted, August 11, 1999 

Chicago

Independent Bank Corporation, Ionia, Michigan -- extension to November 28, 1999, 

to acquire New MSB Bank, Bay City, on its merger with Mutual Savings Bank.

- Granted, August 10, 1999 

Chicago

Silver State Bancorp, Henderson, Nevada -- extension to December 17, 1999, to 

become a bank holding company through the acquisition of Silver State Bank.

- Granted, August 11, 1999 

San Francisco

Strategic Capital Bancorp, Inc., Champaign, Illinois -- extension to December 10, 

1999, to become a bank holding company through the acquisition of Strategic 

Capital Bank, a de novo bank.

- Granted, August 11, 1999 

Chicago

Van Orin Bancorp, Inc., Van Orin, Illinois -- extension to November 6, 1999, to 

become a bank holding company through the acquisition of First State Bank of Van 

Orin.

- Granted, August 11, 1999 

Chicago

Membership

Plains National Bank, Lubbock, Texas -- membership in the Federal Reserve System.

- Approved, August 13, 1999 

Dallas

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

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, August 14, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Provident Bancorp, Amesbury, Massachusetts - application to

become a mutual bank holding company through the

reorganization of The Provident Bank, Amesbury,

Massachusetts

Newspaper - N/Avail.

Fed Reg - 09/07/1999

3(a)(3)/3(a)(5)

4(c)(8)

The Royal Bank of Scotland Group plc and The Royal Bank of

Soctland plc, both of Edinburgh, Scotland and Citizens Financial

Group, Inc., Providence, Rhode Island – application/notification

to acquire UST Corp., Boston, Massachusetts

Newspaper – 09/10/1999

Fed Reg – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Norway Bancorp, M.H.C. and Norway Bancorp, Inc., both of

Norway Maine – to acquire 40% of Financial Institutions

Service Corporation, Lewiston, Maine

Fed Reg – 08/23/1999
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, August 14, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Moscow Narodny Bank, London, England, to establish a

representative office in New York, New York.

Newspaper – N/Avail

Branch Summit Bank, Hackensack, New Jersey, to establish a branch

office located at 360 Martin Luther King Drive, Jersey City,

New Jersey.*

Newspaper – 09/05/1999

Branch Chase Manhattan Bank, New York, New York, to establish a

branch office located at 2 Court Street, Binghamton, New

York.*

Newspaper – 09/06/1999

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Popular, Inc., Hato Rey, Puerto Rico, Popular International

Bank, Inc., Hato Rey, Puerto Rico, and Popular North America,

Inc., Mt. Laurel, New Jersey, to acquire Aurora National Bank,

Aurora, Illinois (“ANB”), and Banco Popular North America,

New York, New York, to merge with ANB, and incident thereto,

to establish branches.*

Newspaper – 09/04/1999

Fed Reg – 09/07/1999

3(a)(3)/25 Popular, Inc., Hato Rey, Puerto Rico, Popular International

Bank, Inc., Hato Rey, Puerto Rico, and Popular North America,

Inc., Mt. Laurel, New Jersey, to acquire Banco Popular, N.A.,

Orlando, Florida (“BPNA-FL”); and for BPNA-FL to establish a

branch in Culebra, Puerto Rico, and to establish an Agreement

Corporation, Popular Insurance, Inc., which will engage in

insurance activities in Puerto Rico.*

Newspaper – N/Avail

Fed Reg – N/Avail
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Bank of Nova Scotia, Toronto, Canada, to engage de novo

through Scotiabanc, Inc., Atlanta, Georgia, in acting as principal

in the structuring and sale of forward contracts, swaps

transactions, and similar contracts based on the equity and debt

securities of a single issuer.

Fed Reg – 09/07/1999

4(c)(8) Citigroup, Inc., New York, New York, and Citicorp, New York,

New York, through its wholly owned indirect subsidiary,

Citicorp Strategic Technology Corporation, to make an

investment in 724 Solutions, Inc., Toronto, Canada, and thereby

engage in the development, manufacture, and distribution of

software designed to provide electronic banking, brokerage, and

other services to consumers via a variety of access platforms.

Fed Reg – 08/31/1999

25A CLS Services Ltd., London, England (“Applicant”), to establish

CLS Bank International, New York, New York, and Edge

Corporation and a wholly owned subsidiary of Applicant which

will offer a continuous linked settlement service.

Fed Reg – 09/16/1999

4(c)(8) J.P. Morgan & Co. Incorporated, New York, New York, J.P.

Morgan Ventures Corporation, New York, New York, J.P.

Morgan Global Capital Limited, New York, New York, and

American Century Companies, Kansas City, Missouri, to

acquire indirect control, through TP Group Limited, Grand

Cayman, Cayman Islands, of Tradepoint Financial plc, London,

England, and thereby engage in agency transactional services.

Fed Reg – N/Avail

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Fourth Quarter of 1999

Institution Location

Summit Bank 301 Carnegie Center, Princeton, New Jersey 08543

Solvay Bank 1537 Milton Avenue, Solvay, New York 13209

Peapack Gladstone Bank 158 Route 206 North, Gladstone, New Jersey 07934

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, August 14, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch East Penn Bank, Emmaus, PA, to establish a branch at the

Emmaus High School, 851 North Street, Emmaus, Lehigh

County, PA.

09/13/1999

Branch New Century Bank, Phoenixville, PA, to establish a branch

office at 3557 West Chester Pike, Newtown Township,

Delaware County, PA

08/26/1999

Branch Premier Bank, Doylestown, PA, to establish a branch office at

1401 Easton Avenue, Bethlehem, Lehigh County, PA

09/09/1999

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, August 14, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c)

Branch

Received application on 08/10/1999 from Fifth Third Bank of

Indianapolis, Indianapolis, IN to acquire through merger Peoples

Bank & Trust Company, Indianapolis, Indianapolis, IN and

incident thereto establish branches.

N/Avail

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

Type Application

Ending date of

comment period

3(a)(5) Received application on 8/10/1999 from Fifth Third Bancorp,

Cincinnati, OH to acquire Peoples Bank Corporation of

Indianapolis, Indianapolis, IN.*

N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, August 14, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Resource Bank, Virginia Beach, Virginia, to establish a branch

at 735 Thimble Shoals Boulevard, Suite 170, Newport News,

Virginia.*

Newspaper – 08/20/1999

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Bank of America Corporation, Charlotte, North Carolina,

to acquire up to 11.67% of the voting stock of 724 Solutions,

Inc., Toronto, Canada.

Fed Reg – N/Avail

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

Type Application

4(c)(8) Bank of America Corporation, Charlotte, North Carolina, to

commence acting as a commodity pool operator through its

wholly owned subsidiary, Banc of America Securities, LLC,

Charlotte, North 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

2253891 Capital One Bank

11013 West Broad Street

Glen Allen, Virginia 23260

05/10/1999 08/14/1999 S LP

Section VI – CRA examinations scheduled for Fourth Quarter of 1999

Institution Location

Bank of Clarke County Berryville, Virginia

F&M Bank – Central Virginia Charlottesville, Virginia

F&M Bank - Massanutten Harrisonburg, Virginia

Bank of Northumberland Heathsville, Virginia

Benchmark Community Bank Kenbridge, Virginia

The Page Valley Bank Luray, Virginia

County Bank of Chesterfield Midlothian, Virginia

Peoples Community Bank Montross, Virginia

Bank of the Commonwealth Norfolk, Virginia

Central Virginia Bank Powhatan, Virginia

First Bank Strasburg, Virginia

F&M Bank - Peoples Warrenton, Virginia

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, August 14, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Equitex, Inc., Englewood, Colorado, to become a bank holding

company by acquiring First TeleBanc Corporation, Boca Raton,

Florida, along with its subsidiary, Net First National Bank, Boca

Raton, Florida.

N/Avail*

3(a)(1) Florida Business Bancgroup, Inc., Tampa, Florida, to become a

bank holding company by acquiring Bay Cities Bank, Tampa,

Florida (in organization).

N/Avail*

3(a)(3) Community National Bancorporation, Ashburn, Georgia, to

acquire Cumberland National Bank, St. Marys, Georgia

(in organization).

Fed Reg – 09/13/1999*

3(a)(5) FLAG Financial Corporation, LaGrange, Georgia, to acquire

First Hogansville Bankshares, Inc., Hogansville, Georgia, and

thereby acquire The Citizens Bank, Hogansville, Georgia.

Newspaper 09/07/1999*

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Fourth Quarter of 199191 19

Institution Location

Bank of Alabama Birmingham, Alabama

Independent Bankers’ Bank Lake Mary, Florida

Friendship Community Bank Ocala, Florida

Peoples Bank & Trust Company Selma, Alabama

Southern Security Bank Hollywood, Florida

Metro Bank of Dade County Miami, Florida

United Bank & Trust Company St. Petersburg, Florida
Section VI – CRA examinations scheduled for Fourth Quarter of 199191 19

Institution Location

Red River Bank Alexandria, Louisiana

Columbia Bank Tampa, Florida

First Navy Bank Pensacola, Florida

Covington County Bank Andalusia, Alabama

Capital City Bank Tallahassee, Florida

Equitable Bank Fort Lauderdale, Florida

Mobile County Bank Grand Bay, Alabama

First Commercial Bank of Florida Orlando, Florida
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, August 14, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Bank Iowa

Red Oak, Iowa

 To acquire the Red Oak, Iowa branch of

 US Bank, N.A.

 Minneapolis, Minnesota

 (both a charter conversion to a state member bank and

 a name change to Bank Iowa is pending)

Newspaper – 07/31/1999

Branch Paramount Bank

Bingham Farms, Michigan

 31000 Northwestern Highway

 Farmington Hills, Michigan

Newspaper – 08/17/1999

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

Type Application

Ending date of

comment period

4(c)(8) Central Illinois Bancorp, Inc.

Pewaukee, Wisconsin

 Marine Bank (in organization)

 Omaha, Nebraska

Fed Reg – 08/26/1999

Newspaper – 08/22/1999

3(a)(1) Kercheval Limited Partnership*

Largo, Florida

 Montezuma State Bank

 Montezuma, Iowa

Fed Reg – 08/20/1999

Newspaper – 09/03/1999

4(c)(8) First Busey Corporation*

Urbana, Illinois

 Eagle BancGroup, Inc.

 Bloomington, Illinois

 First Federal Savings and Loan Association of Bloomington

 Bloomington, Illinois

Fed Reg – 09/07/1999

Newspaper – 09/01/1999

3(a)(1) Seccurity Bancorp, M.H.C.*

Monmouth, Illinois

 Security Savings Bank

 Monmouth, Illinois

Fed Reg – 07/26/1999

Newspaper – 07/24/1999

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

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None
Section VI – CRA examinations scheduled for Fourth Quarter of 1999

Institution Location

Amcore Bank of Aledo Aledo, Illinois

First Commercial Bank Chicago, Illinois

Midwest Bank of Hinsdale Hinsdale, Illinois

Midwest Bank of Western Illinois Monmouth, Illinois

Lakeland Community Bank Round Lake Heights, Illinois

Foxdale Bank South Elgin, Illinois

Midwest Bank of McHenry County Union, Illinois

Hinsbrook Bank & Trust Co. Willowbrook, Illinois

Fifth Third Bank of Indiana Indianapolis, Indiana

The Ripley County Bank Osgood, Indiana

Rolling Hills Bank & Trust Company Atlantic, Iowa

Glenwood Savings Bank Glenwood, Iowa

Tama State Bank Marshalltown, Iowa

Security Savings Bank New Hampton, Iowa

Farmers Savings Bank Oskaloosa, Iowa

Union Savings Bank Rockwell City, Iowa

Wayne Bank & Trust Co. Cambridge City, Michigan

ShoreBank River Rouge, Michigan

ChoiceOne Bank Sparta, Michigan

Warren Bank Warren, Michigan

F&M Bank-Appleton Appleton, Wisconsin

M&I Bank-Fox Valley Appleton, Wisconsin

M&I Northern Bank Brookfield, Wisconsin

Delafield State Bank Delafield, Wisconsin

F&M Bank-East Troy East Troy, Wisconsin

M&I Bank-Northeast Green Bay, Wisconsin

F&M Bank-Hilbert Hilbert, Wisconsin
Section VI – CRA examinations scheduled for Fourth Quarter of 1999

Institution Location

M&I Bank-South Janesville, Wisconsin

F&M Bank Kaukauna Kaukauna, Wisconsin

F&M Bank-Kiel Kiel, Wisconsin

M&I Bank-Southern Wisconsin Madison, Wisconsin

F&M Bank-Winnebago County Omro, Wisconsin

Farmers & Merchants Bank of Orfordville Orfordville, Wisconsin

M&I Central State Bank Oshkosh, Wisconsin

M&I-Lakeview Bank Sheybogan, Wisconsin

F&M Bank-Central Stevens Point, Wisconsin

M&I Bank-South Central Watertown, Wisconsin

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, August 14, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None.

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

Type Application

Ending date of

comment period

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 Fourth Quarter of 1999

Institution Location

The Citizens Bank Batesville, Arkansas

First Community Bank Conway, Arkansas

First Financial Bank El Dorado, Arkansas

Pinnacle Bank Little Rock, Arkansas

The Bankers’ Bank of Kentucky, Inc. Frankfort, Kentucky

The First State Bank of Dongola Dongola, Illinois

Peoples Bank of Altenburg Altenberg, Missouri

The State Bank of Dixon Dixon, Missouri

Bank of Hillsboro Hillsboro, Missouri

City Bank & Trust Company of Moberly Moberly, Missouri

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, August 14, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Old Mission Bancorp, Inc., Sault Ste. Marie, Michigan, to

acquire 100% of the voting shares of Old Mission Bank, Sault

Ste. Marie, Michigan, a de novo bank. *

Fed Reg – 09/10/1999

* Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

SRNEW McVille Financial Services, Inc., McVille, North Dakota, to

redeem 44.4% of its outstanding 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 Fourth Quarter of 1999

Institution Location

The State Bank of Ewen Ewen, Michigan

The Citizens State Bank of Ontonagon Ontonagon, Michigan

The First State Bank of Emmons Emmons, Minnesota

Ridgedale State Bank Minnetonka, Minnesota

Northland Security Bank Ramsey, Minnesota

Security State Bank & Trust Company Polson, Montana

The State Bank of Townsend Townsend, Montana

American State Bank of Rapid City Rapid City, South Dakota

First State Bank of Warner Warner, South Dakota

M&I Bank of La Crosse La Crosse, Wisconsin

M&I Merchants Bank Rhinelander, Wisconsin

F&M Bank -- Superior Superior, Wisconsin
Section VI – CRA examinations scheduled for Fourth Quarter of 1999

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.

If an institution’s examination is rescheduled for a date later than the end of the date range reflected in a published

schedule, the institution’s name will be republished in an appropriate later listing. Any comments received as a

result of either the first publication or subsequent publications will be considered during the examination. Written

comments regarding the CRA performance of these institutions should be directed to Ms. JoAnne Lewellen at the

Federal Reserve Bank of Minneapolis, Banking Supervision Department, P. O. Box 291, Minneapolis, Minnesota

55480-0291.
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, August 14, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Gregory L. Levenson, Austin, Texas, to acquire voting shares of

Las Vegas Bancorporation, Las Vegas, New Mexico; and

thereby indirectly acquire The Bank of Las Vegas, Las Vegas,

New Mexico.

Newspaper – 08/13/1999

Fed Reg – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

275657 First State Bank

Ness City, Kansas

05/17/1999 08/10/1999 S X

122658 Firstbank of Vail

Vail, Colorado

05/17/1999 08/12/1999 O X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, August 14, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) National Bancshares Corporation of Texas, San Antonio, TX, to

establish NBC Financial, Inc., San Antonio, TX, and thereby

engage de novo in securities brokerage activities

Fed Reg – 08/30/1999

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

Type Application

3(a)(1) Gilmer National Bancshares, Inc., Gilmer, TX, to acquire

Gilmer National Bank, Gilmer, TX
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 Fourth Quarter of 1999

Institution Location

Van Horn State Bank

199463

100 East Broadway

Van Horn, TX 79855

Bank of the West

1447639

500 North Mesa St.

El Paso, TX 79901

First State Bank

367552

P.O. Box 60

Matador, TX 79244

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, August 14, 1999

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Spectrum Bank, Montebello, California, to establish a branch

office at 6074 Warner Avenue, Huntington Beach, California. *

Newspaper – 08/09/1999

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(5) Harbor Bancorp, Inc., Aberdeen, Washington, to merge with

Pacific Financial Corporation, Long Beach, Washington. *

Newspaper – 08/20/1999

Fed Reg – 09/10/1999

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Wells Fargo & Company, San Francisco, California, together

with Norwest Mortgage, Inc., and Southwest Partners, Inc., both

of Des Moines, Iowa, to engage in a joint venture through the

sale of 50 percent of 1st Com Mortgage, Palm Springs,

California, to First Com Mortgage, Inc., Palm Desert, California,

and 5 percent to RAS Financial Services, Inc., Palos Verdes

Estates, California.

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

Type Application

Waiver Zions Bancorporation, Salt Lake City, Utah, request for waiver

of any Bank Holding Company Act application requirement in

connection with the merger of Pioneer Bancorporation, Reno,

Nevada, and the merger of Pioneer Citizens Bank of Nevada,

Reno, Nevada, with and into Nevada State Bank, Las Vegas,

Nevada.

Waiver Imperial Bancorp, Inglewood, California, request for waiver of

any Bank Holding Company Act application requirement in

connection with the merger of Imperial Mutual Savings Bank,

Kirkland, Washington, with and into Imperial Bank, Inglewood,

California.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

62763 Millennium Bank

180 Sansome Street

San Francisco, CA 94104

(415) 434-2265

04/27/1999 08/09/1999 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 4th Quarter of 1999

Institution Location

Bay Area Bank Redwood City, CA

County Bank Merced, CA

Golden Gate Bank San Francisco, CA

Hanmi Bank California Los Angeles, CA

Liberty Bank South San Francisco, CA

Mid-Peninsula Bank Palo Alto, CA

Pacific Mercantile Bank Newport Beach, CA

Peninsula Bank of Commerce Millbrae, CA

Security First Bank Fullerton, CA

Vintage Bank Napa, CA

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.