Applications Bulleti ing Fe
= 1 Subj t Ni
Application eriod E,
Pointe Bank Not yet available*

Pembroke Pines, Florida
To merge with Pointe Federal Savings Bank, Boca Raton, Florida, pursuant to Section 18(c) of
the Federal Reserve Act.

Section 2 - Applications Subject to Both
Newspaper and Federal Register Notice
Coastal Commerce Bancshares, Inc. Not yet available*

Kaplan, Louisiana
Change in control notification by Octave Henry Deshotels, Jr., to increase his ownership from
9.7 percent to 12.6 percent through a reverse stock split.

Section 3 - licati j eral Regi: silt
Application Comment Period Ending Date
None.
ion 4 - Applications Not Subject t
Federal Register Notice or Newspaper Notice
Application
Pointe Bank

Pembroke Pines, Florida
To acquire certain assets and assume certain liabilities of Pointe Federal Savings Bank, Boca
Raton, Florida, pursuant to Section 5(d)(3) of the Federal Deposit Insurance Act, as amended by
the Federal Deposit Insurance Corporation Improvement Act of 1991.

*Subject to the provisions of the Community Reinvestment Act.



NOTICE ONLY
APPLICATION NOTICE EXP
None.
T : T T L E
OR NEWSPAPER NOTICE
APPLICATION
None.

* SUBJECT TO CRA.
** EXPIRATION DATE IS THE DATE SPECIFIED IN THE NEWSPAPER NOTICE ONLY.
N/A - NOT AVAILABLE AT THIS TIME.



KANSAS CITY RESERVE BANK APPLICATIONS AND REPORTS RECEIVED
During the week ending February 21, 1997

IE - T E Y

APPLICATION COMMENT PERIOD ENDING DATE

None.

SECTION II - APPLICATIONS SUBJECT TO BOTH

WSPAPER ISTER NOTICE
PP) T) COMMENT PERIOD ENDING DATE
Robert S. Appel, Englewood, Colorado, and William March 10, 1997

P. Johnson, Boulder, Colorado, Co-trustees of
FirstBank Holding Company of Colorado Employee
Stock Ownership Plan, Lakewood, Colorado, and its
subsidiary, FirstBank Holding Company of Colorado,
Lakewood, Colorado, to vote as trustee, 26.8 percent
of the voting shares.

Benedict Enslinger, Trustee, Benedict Enslinger March 10, 1997
Revocable Trust, both of La Crosse, Kansas, to

acquire an additional 1.30 percent, for a total of 11.96

percent, of the voting shares of NSB Bancshares, Inc.,

La Crosse, Kansas.

Matthew T. Ley, as Trustee, Portland, Oregon, to March 10, 1997
acquire an additional 38.2 percent, for a total of 40.9

percent, of the voting shares of State National

Bancshares, Inc., Wayne, Nebraska.

F.W. Lampert Trust B; Larry D. Lampert and Robert March 11, 1997
L. Lampert, beneficial owners; and Robert L.

Lampert, Trustee, all of Beloit, Kansas, to acquire an

additional 28.05 percent, for a total of 42.02 percent,

of the voting shares of First National Bankshares of

Beloit, Inc., Beloit, Kansas.

Randall J. Hendricks, Elsie, Nebraska, and Warren Not Available
Orr, North Platte, Nebraska, to each increase their

ownership interest to SO percent of the voting shares

of Elsie, Inc., Elsie, Nebraska.



Qutstanding record of meeting community credit needs: An institution has an
outstanding record of, and is a leader in, ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-
income neighborhoods, in a manner consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs: An institution has a
satisfactory record of ascertaining and meeting the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.

Needs to Improve record of meeting community credit needs: An institution needs
to improve its overall record of ascertaining and helping to meet the credit
needs of its entire delineated community, including low- to moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Substantial Noncompliance in meeting community credit needs: An institution has
a substantially deficient record of ascertaining and helping to meet the credit
needs of its entire delineated community, including low- to moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

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.



FEDERAL RESERVE BANK OF PHILADELPHIA

- AVAI ATI!

The following institutions were examined for CRA. The 30-business day period the bank has
to make the evaluation public has lapsed during the week ending February 21, 1997.

Identification of Ratings
In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:

Outstanding record of meeting community credit needs.

An institution in this group has an outstanding record of, and is a leader in, ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs.

An institution in this group has a satisfactory record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Needs to improve record of meeting community credit needs.

An institution in this group needs to improve its overall record of ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of ascertaining and helping to

meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Bank/Location = = = —_ ExaminationDate = = § CRARating

NONE NONE NONE



Federal Reserve Bank of Chicago

-Applicati ject to Ne
Notice Onl
Comment
Period
3(a)(1) Notice Community Bank Corp. NP - 3-8-97
Park Ridge, Illinois
Park Ridge Community Bank
Park Ridge, Illinois

NP - Newspaper
FR - Federal Register

* - Subject to Provisions of Community Reinvestment Act
** - Not available at this time



SECTION V_- AVAILABILITY OF CRA PUBLIC EVALUATIONS
FOR THE WEEK OF FEBRUARY 17, 1997

Outstanding record of meeting community credit needs.

An institution in this group has an outstanding record of, and is a
leader in, ascertaining and helping to meet the credit needs of its
entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and
capabilities.

Satisfactory record of meeting community credit needs.

An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.

Needs to Improve record of meeting community credit needs.

An institution in this group need to improve its overall record of
ascertaining and helping to meet the credit needs of its entire

delineated community, including low- and moderate-income neighborhoods,
in a manner consistent with its resources and capabilities.

Substantial Noncompliance in meeting community credit needs.

An institution in this group has a substantially deficient record of
ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods ,
in a manner consistent with its resources and capabilities.

Date of
minati CRA Rating



H.2

PAGE 5

FEBRUARY 18, 1997 TO FEBRUARY 21, 1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS

Philadelphia

Atlanta

Richmond

Dallas

Philadelphia

Atlanta

Atlanta

Boatmen's Credit Card Bank, Albuquerque, New Mexico,
proposed merger with NationsBank of Delaware
National Association, Dover, Delaware -- report on
competitive factors.

Submitted, February 20, 1997.

Farmers and Merchants Bank, Clarksville, Tennessee,
proposed purchase of certain assets and assumption
of certain liabilities of the Lebanon, branch of
Trans Financial Bank Tennessee, N.A., Cookeville,
Tennessee, and to establish one branch -- report on
competitive factors.

Submitted, February 19, 1997.

First National Bank of Altavista, Altavista,
Virginia, proposed merger with Pinnacle Bank,
National Association (Interim) -- report on
competitive factors.

Submitted, February 21, 1997.

First National Bank of Temple, Temple, Texas,
proposed merger with New Temple Bank -- report on
competitive factors.

Submitted, February 20, 1997.

First National Interim Bank, Dunmore, Pennsylvania,
proposed merger with First National Community Bank
-- report on competitive factors.

Submitted, February 20, 1997.

First Union National Bank of Georgia, Atlanta,
Georgia, proposed merger with First Union Interim
National Bank of Georgia, and thereby acquire the
assets and assumption of the liabilities of First
Union Direct Bank, N.A., Augusta, Georgia -- report
on competitive factors.

Submitted, February 21, 1997.

Harbor Florida Bancorp, Inc., Fort Pierce, Florida --
proposed acquisition of the assets and assuaption
of the liabilities of Harbor Federal Savings Bank -
- report on competitive factors.

Submitted, February 18, 1997.



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section I - Applications Subject to

Newspaper Notice Only
Comment Period
Application ing Date
NONE.
FEDERAL RESERVE BANK OF MINNEAPOLIS
Section II - Applications Subject to Both
Newspaper and Federal Register Notice
Comment Period
Application Ending Date
The Winton Jones Revocable Trust of 1997, and Carl Jones, March 10, 1997
Christopher Jones, and Richard McMahon as trustees to acquire (Federal Register)

control of 100% of the voting preferred shares of Anchor Bancorp, Inc.,
Wayzata, Minnesota.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section III - Applications Subject

to Federal ister Noti mt
Comment Period
Application Ending Date
Community First Bankshares, Inc., Fargo, North Dakota March 10, 1997

to engage de novo in leasing personal or real property.

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to
Federal Register Notice or Newspaper Notice

Application

Norwest Corporation, Minneapolis, Minnesota to engage in
residential mortgage lending through the acquisition of
UDC Mortgage, Tempe, Arizona, a joint venture with UDC
Homes, Inc., Tempe, Arizona.



. . ae .
E PS eee ES ister Noti N Noti
Applicati
First State Bancshares, Inc.
Blakely, Georgia

Commitment waiver request.

Pioneer Bankcorp, Inc.

Clewiston, Florida
To increase its investment in community development activities designed primarily to promote
community welfare, pursuant to Section 225.25(b)(6) of Regulation Y and Section 4(c)(8) of the
Bank Holding Company Act.

Deposit Guaranty Corporation

Jackson, Mississippi
Request for waiver of the application requirement of Section 3(a)(5) of the Bank Holding
Company Act for Deposit Guaranty Louisiana Corp., Shreveport, Louisiana, to merge with First
Capital Bancorp, Inc., Monroe, Louisiana, and thereby directly acquire Capital Bank, Monroe,
Louisiana.



OC)

4(c)(8)

4(c)(8)

4(c)8)

Federal Reserve Bank of Chicago

Section III -Applications Subject to Federal Regi
Notice Only

Application

Blackhawk Bancorp, Inc.

Beloit, Wisconsin
Midland Acceptance Corporation
Rochelle, Illinois

HPK Financial Corporation
Chicago, Illinois
Mortgage Service America, Inc.
Lombard, Illinois

Stichting Admimistratiekantoor ABN AMRO Holding
Amsterdam, The Netherlands

Standard Federal Bancorporation, Inc.

Troy, Michigan

Standard Federal Bank

Troy, Michigan

Standard Brokerage Services, Inc.

Troy, Michigan

ABN AMRO Bank N.V.

Amsterdam, The Netherlands
Standard Federal Bancorporation, Inc.
Troy, Michigan
Standard Federal Bank
Troy, Michigan
Standard Brokerage Services, Inc.
Troy, Michigan

Comment
Period
Ending Date

FR - 3-3-97

FR - 3-5-97

FR - 3-4-97

FR - 3-4-97



Applications Bulletin for Week Ending February 21. 1997
Recently Approved Applications Approval Date
The Colonial BancGroup, Inc. 02-18-97

Montgomery, Alabama
To merge with Shamrock Holding, Inc., Evergreen, Alabama, and thereby directly acquire its
subsidiary, The Union Bank, Evergreen, Alabama, pursuant to Section 3(a)(5) of the Bank
Holding Company Act.

First State Bancshares, Inc. 02-18-97
Blakely, Georgia
Commitment waiver request.

Amsouth Bank of Tennessee 02-18-97
Chattanooga, Tennessee
To establish a branch office located at 7604 Highway 70 South, Nashville, Tennessee.

Tri-City Bank & Trust Company 02-20-97
Blountville, Tennessee

To acquire certain assets and assume the deposits of the Kingsport, Tennessee branch of Greene

County Bank, Greeneville, Tennessee, located in the Wal-Mart Supercenter #599 at 3200 Fort

Henry Drive, pursuant to Section 18(c) of the Bank Holding Company Act.



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section V - Availability of
CRA Public Evaluations
week ending February 21, 1997

SI F
Identification of Ratings

In connection with the assessment of each insured depository institution's CRA performance, a rating is
assigned from the following groups:

OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.

An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping to
meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.

An institution in this group has a satisfactory record of ascertaining and helping to meet the credit needs
of its entire delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.

NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.

An institution in this group needs to improve its overall record of ascertaining and helping to meet the
credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in
a manner consistent with its resources and capabilities.

SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.

An institution in this group has a substantially deficient record of ascertaining and helping to meet the

credit needs of its entire delineated community, including low-and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.

BANK(S) EXAMINED DATE OF EXAMINATION = CRA RATING
NONE.



Federal Reserve Bank of Richmond

Section ITT Applications Subject to Federal Register Notice
Application comment Period Ending Da

None.

Section IV - Application Not Subject to
Federal Register Notice or Newspaper Notice

Application

None.



FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

ECTI = AP NI T
Wi NOTICE
Application mt ri
NONE
SE Il _- ‘ATION: ECT T
PER ERAL ER N
Application men: ing _D:
NONE
= AP UBJEC'
DE: TE
Application mment Peri i ate
NONE

CTION IV - APPLICATIONS NOT SUBJ

LR) TE. IWS PAP: TT.

Application

NONE

NV - 'Y OF LT VALU:

Institution E inati ate Rating**

NONE
*Subject to CRA.

ae

**Rating Definitions: "O" - Outstanding; "S" - Satisfactory; "N" - Needs to

Improve; "SN" - Substantial Noncompliance



Federal Reserve Bank of St. Louis

FOR THE WEEK ENDING FEBRUARY 21, 1997

- ‘A T

Applicati End of C Period

* Section 9 application by Teutopolis State

Bank, Teutopolis, Illinois, to establish a

branch at 202 South Main Street, Sigel,

Illinois. 2-15-97

* Section 18(c) application by First Bank

of Arkansas, Jonesboro, Arkansas, to merge

with First Bank of Arkansas, Wynne,

Arkansas. 3-25-97

NEWSPAPER AND FEDERAL REGISTER NOTICE
Applicati End of C Period

* Section 3(a)(3) application by Community
Financial Corp., Olney, Illinois, to acquire
American Bancshares, Inc., Highland, Illinois. Newspaper: 3-19-97

* Section 3(a)(1) application by Illinois
Community Bancorp, Inc., Effingham, Illinois,
to acquire Illinois Community Bank, Effingham,
Illinois, by converting its thrift subsidiary,
Illinois Guarantee Savings Bank, FSB,

Effingham, Illinois, into a commercial bank. Newspaper: 3-22-97
Iil- E
Application End of Comment Period

Section 4(c)(8) notification by Illinois Community
Bancorp, Inc., Effingham, Illinois, to continue to
engage in leasing by retaining its subsidiary,
Illinois Leasing Corporation, Inc., Effingham,
Illinois, following the thrift holding company’s

conversion into a bank holding company. N/A
Iv - IN D) TICE
OR NEWSPAPER NOTICE
Applicati End of C Period
None.

* This application/notification is subject to CRA.



Type
4(c)(8)

4(c)(8)

4(c)(8)

Federal Reserve Bank of Chicago

Section JI] -Applications Subject to Federal Register

Application

Stichting Prioriteit ABN AMRO Holding
Amsterdam, The Netherlands
Citicorp Futures Corporation and Citifutures Limited
London, England
Citicorp Futures Limited
Singapore

ABN AMRO Holding, N.V.
Amsterdam, The Netherlands
Citicorp Futures Corporation and Citifutures Limited
London, England
Citicorp Futures Limited
Singapore

Shoreline Financial Corporation
Benton Harbor, Michigan

SJS Bancorp, Inc.

St. Joseph, Michigan

SJS Federal Savings Bank

St. Joseph, Michigan

Comment
Period

FR- **

FR - **

FR - **



H.2

FEBRUARY 18, 1997 TO FEBRUARY 21, 1997

PAGE 7

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS
Minneapolis Security Bank of Hebron, Hebron, North Dakota,

Atlanta

Boston

EXTENSIONS OF TIME
Chicago

Atlanta

St. Louis

proposed merger with Dakota Community Bank,
Dickinson, North Dakota -- report on competitive
factors.

Submitted, February 21, 1997.

SouthTrust Bank of Florida, St. Petersburg, Florida,
proposed acquisition of the assets and assumption
of the liabilities of Charter Bank, Delray Beach,
Florida -- report on competitive factors.

Submitted, February 21, 1997.

USTrust, Boston, Massachusetts, proposed merger with
The Co-operative Bank of Concord; and The Braintree
Savings Bank, Braintree, Massachusetts -- report on
competitive factors.

Submitted, February 20, 1997.

F & M Bancorporation, Inc., Kaukauna, Wisconsin --
extension to May 22, 1997, to acquire Green County
Bank, Brodhead, Wisconsin.

Granted, February 19, 1997.

First Commerce Corporation, New Orleans, Louisiana --
extension to May 29, 1997, to engage in community
development investment activities through 150
Baronne Street Limited Partnership.

Granted, February 20, 1997.

Louisville Development Bancorp, Inc., Louisville,
Kentucky -- extension to July 31, 1997, to engage
de novo in community development activities through
Louisville Real Estate Development Company.

Granted, February 19, 1997.



H.2

FEBRUARY 18, 1997 TO FEBRUARY 21, 1997

PAGE 6

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS

Richmond

Minneapolis

Dallas

Chicago

Chicago

Philadelphia

Philadelphia

Leeds Federal Savings Bank, Baltimore, Maryland,
proposed merger with Leeds Interim Savings Bank --
report on competitive factors.

Submitted, February 18, 1997.

New United Prairie Bank-Slayton, Slayton, Minnesota,
proposed merger with United Prairie Bank-Slayton --
report on competitive factors.

Submitted, February 19, 1997.

Norwest Bank Texas, South, National Association, San
Antonio, Texas, proposed merger with Norwest Bank
Texas, Alice, Texas, Alice; Norwest Bank Texas,
Premont, Premont; and Norwest Bank Texas, Robstown,
National Association, Robstown, Texas -- report on
competitive factors.

Submitted, February 20, 1997.

Park Ridge Community Bank, Park Ridge, Illinois,
proposed merger with The Bank of Park Ridge-Interim
Bank -- report on competitive factors.

Submitted, February 20, 1997.

Pinnacle Bank, Cicero, Illinois, proposed merger with
Pinnacle Bank, F.S.B., Batavia, Illinois -- report
on competitive factors.

Submitted, February 20, 1997.

Prudential Savings Association, Philadelphia,
Pennsylvania, proposed purchase of the assets and
assumption of the liabilities of two branches of
Roxborough Federal Savings Bank -- report on
competitive factors.

Submitted, February 20, 1997.

St. Edmonds Federal Savings Bank, Philadelphia,
Pennsylvania, proposed merger with Home Building
Society Bank -- report on competitive factors.

Submitted, February 20, 1997.



Federal Reserve Bank of Richmond

. q labili ¢ blic Eval
Week ending February 21, 1997
fi ; £ Rati

Outstanding record of meeting community credit needs.
An institution in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner con-
sistent with its resources and capabilities.

Satisfactory record of meeting community credit needs.
An institution in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent
with its resources and capabilities.

Needs to improve record of meeting community credit needs.
An institution in this group needs to improve its overall record of ascer-
taining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs.
An institution in this group has a substantially deficient record of ascer-
taining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with
its resources and capabilities.

Examination
Date Rating

Bank of the Commonwealth
403 Boush Street
Norfolk, Virginia 23510-1200 11-18-96 Satisfactory
First Bank
112 West King Street
Strasburg, Virginia 22657-1430 11-18-96 Satisfactory

Resource Bank
3720 Virginia Beach Boulevard
Virginia Beach, Virginia 23452-3414 11-18-96 Satisfactory



H.2 ADDITIONS AND CORRECTIONS
FEBRUARY 18, 1997 TO FEBRUARY 21, 1997
PAGE 9

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK HOLDING COMPANIES

Chicago Community Grain Co., Coon Rapids, Iowa -- to engage
in management consulting to depository institutions
through Banc Service Corp., Mason City, Iowa.

Permitted, February 14, 1997.

Chicago First Citizens Financial Corp., Mason City, Iowa-- to
engage in management consulting to depository
institutions through Banc Services Corp.

Permitted, February 14, 1997.

COMPETITIVE FACTORS REPORTS

Philadelphia SunBank, Selinsgrove, Pennsylvania, proposed
acquisition of Bucktail Bank and Trust Company,
Emporium, Pennsylvania -- report on competitive
factors.
Submitted, January 27, 1997.



Federal Reserve Bank of Chicago

ion II - icati j Bot
Register Noti
Type Application
COC-HC Antioch Holding Company
Antioch, Illinois

By Randolph S. Miles

3(a)(1) AliKat Investments, Inc.*
Gurnee, Illinois
NorthSide Community Bank
Gurnee, Illinois (in organization)

3(a)(3) Blackhawk Bancorp, Inc.*
Beloit, Wisconsin
Rochelle Bancorp, Inc.
Rochelle, Illinois
Rochelle Savings Bank, S.B.
Rochelle, Illinois

3(a)Q) Vanderbilt Holding Company, Inc.*
Fairfax, lowa
Fairfax State Savings Bank
Fairfax, lowa
3(a)(1) The Connor Trusts*

Marshfield, Wisconsin
Pioneer Bancorp, Inc.
Auburndale, Wisconsin
Pioneer State Bank
Auburndale, Wisconsin

Comment
Period
Endi ate

FR - 2-20-97
NP- **

FR - 3-3-97
NP - 2-28-97

FR - 3-3-97
NP - 3-1-97

FR - 1-24-97
NP - 3-01-97

FR - 2-28-97
NP - 2-24-97



ANNOUNCEMENT H.2, 1997, No. 8
Actions of the Board, its Staff, and

BOARD OF GOVERNORS the Federal Reserve Banks;
OF THE Applications and Reports Received
FEDERAL RESERVE SYSTEM During the Week Ending February 22, 1997

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

TESTIMONY AND STATEMENTS

Monetary policy objectives -- statement by Chairman
Greenspan before the Senate Committee on Banking,
Housing, and Urban Affairs, February 26, 1997.

Approved, February 19, 1997.

Monetary policy report to Congress.
Approved, February 18, 1997.

BANK HOLDING COMPANIES

Canadian Imperial Bank of Commerce, Toronto, Canada -
- to engage in trading in certain futures and
options through CIBC Investment Corporation, New
York, New York.

Permitted, February 18, 1997.

Toronto Dominion Bank, Toronto, Canada, and
Waterhouse Investor Services, New York, New York --
to acquire shares of Marketware International,
Holmdel, New Jersey, and engage in data processing
activities.

Permitted, February 18, 1997.

REGULATIONS AND POLICTES

Regulation Y -- revisions to eliminate unnecessary
regulatory burden and operating restrictions, and
streamline the application and notice process
Dockets R-0935 and R-0936).

Approved, February 19, 1997.



Satisfactory record of meeting community credit needs.

An institution in this group has a satisfactory record of ascertaining
and helping to meet the credit needs of its entire delineated
community, including low- and moderate- income neighborhoods,
in a manner consistent with its resources and capabilities.

Needs to improve record of meeting community credit needs.

An institution in this group needs to improve its overall record

of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate income
neighborhoods, in a manner consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs.

An institution in this group has a substantially deficient

record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate- income
neighborhoods, in a manner consistent with its resources and capabilities.

Week Endi ‘ebru: 2.
101 BANK RATING EXAMINATION DATE
IBJ Schroder Bank Outstanding September 16, 1996

and Trust Company
One State Street
New York, New York 10004

1/ Subject to provisions of Community Reinvestment Act.
2/ Later of dates specified in newspaper and Federal Register notices.
3/ Date specified in newspaper notice; a later date may be specified in

the Federal Register notice.

4/ Date specified in Federal Register notice; a later date may be
specified in the newspaper notice.
N/A - Not Available



FEDERAL RESERVE BANK OF NEW YORK

Comment Period
it ite

SECTION]
Applications Subject to Newspaper
Notice Only

None.
SECTION II
Applications Subject to Both
Newspaper and Federal Register Notice
None.
SECTION III
Nonbanking Applications

Lloyds TSB Group ple, London, England, and Lloyds Bank plc,
London, England, to retain indirectly all the voting shares of IAI
Holdings, Inc., Minneapolis, Minnesota ("Holdings") and its
subsidiaries, and thereby engage in the following nonbanking
activities: (i) providing administrative and investment advisory
services to mutual funds that have no principal underwriter; (ii)
providing foreign exchange execution and advisory services to
institutional customers; (ili) performing functions or activities that
may be performed by a trust company; (iv) acting as investment or
financial adviser; (v) securities brokerage services; and, (vi) providing
investment advice on financial futures and options on futures. N/A

ION IV

Applications Not Involving
Public

Notification by Bankers Trust New York Corporation, New York,
New York, to make an additional investment in a foreign subsidiary.

SECTI
ilability of CRA Public Evaluati

In connection with the assessment of each insured depository institution's
CRA performance, a rating is assigned from the following group:

Outstanding record of meeting community credit needs.

An institution in this group has an outstanding record of, and

is a leader in, ascertaining and helping to meet the credit

needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 2/21/97

~ Applicati ice Onl
Licati C Period Endi
U.S. Bank of Utah, Salt Lake City, Utah, to Newspaper: 3/20/97

merge with Sun Capital Bank, St. George, Utah. *

= Appli
ral Regi i

U.S. Bancorp, Portland, Oregon, to acquire Newspaper: Not
available
Business & Professional Bank, Woodland,
California. * Fed, Rea; 3/03/97
Eggemeyer Advisory Corporation, Castle Creek Newspaper: Not
available
Partners Fund LLP, and Castle Creek Capital LLC,
all of San Diego, California, to acquire at Fed, Reg.: Not
available

least 14.9 percent of Rancho Santa Fe National
Bank, Rancho Santa Fe, California, and at least
14.9 percent of First Community Bank of the Desert,
Yucca Valley, California. *

None



Federal Reserve Bank of Chicago

i - Availabili RA Public Evaluati

The following state member banks have been examined by the Federal Reserve Bank of Chicago for compliance
with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed during the
week ending February 21, 1997. If you are interested in obtaining a copy of the evaluation document, please

contact the bank(s) directly.
tification tins
O- An institution in this group has an outstanding record of, and is a leader in,

NI-

SN -

ascertaining and helping to meet the credit needs of its entire delineated community,
including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.

An institution in this group has a satisfactory record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and

moderate-income neighborhoods, in a manner consistent with its resources and

capabilities.

An institution in this group has a needs to improve its overall record of ascertaining
and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilities.

An institution in this group has a substantial noncompliance record of ascertaining
and helping to meet the credit needs of its entire delineated community, including

low- and moderate-income neighborhoods, in a manner consistent with its resources
and capabilies.

BANK NAME/LOCATION EXA ATION DAT. RATING

F&M Bank - Hilbert

69 South 8th Street

Hilbert, Wisconsin 54129

(414) 853-3551 10/28/96 Ny

Midwest Bank of McHenry County

17622 Depot Street

Union, Illinois 60180

(815) 923-4585 10/23/96 Ss



Federal Reserve Bank of Chicago

Section IV - Applications Ni ister or Newspaper Notice

Type Application
ROS-HC Anchor Bancorporation, Inc.
Farmer City, Illinois

To redeem 105 shares of outstanding shares



H.2

FEBRUARY 18, 1997 TO FEBRUARY 21, 1997
PAGE 8

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

INTERNATIONAL OPERATIONS

Director, BS&R J.P. Morgan & Co., Incorporated, New York, New York -
- request for waiver of the 45-day prior notice
period to make an investment in Consorcio de
Alimentos Fabril Pacifico S.A., Lima, Peru.

Granted, February 21, 1997.



- Availability of

The CRA public evaluations of the insured depository institutions listed below became available
during this week. Information about an institution's CRA evaluation may be obtained directly
from the institution. In connection with the assessment of an institution's CRA performance, a
tating is assigned from the following groups:

Outstanding record of meeting community credit needs: An institution has an outstanding
record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs: An institution has a satisfactory record
of ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

Needs to improve record of meeting community credit needs: An institution needs to improve
its overall record of ascertaining and helping to meet the credit needs of its entire delineated
community, including low- and moderate-income neighborhoods, in a manner consistent with its
resources and capabilities.

Substantial noncompliance in meeting community credit needs: An institution has a
substantially deficient record of ascertaining and helping to meet the credit needs of its entire
delineated community, including low- and moderate-income neighborhoods, in a manner
consistent with its resources and capabilities.

None.



CRA Public CRA
Bank/Location Exam Date —Date_ Rating _

None.

*Application is subject to CRA.



FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN

APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF FEBRUARY 17, 1997

Ss IN_I_- APPLICATIONS SUBJECT Tl PAPE
TICE ONLY
APPLICATION NOTICE EXP
None.
SECTION II - APPLICATIONS SUBJECT TO BOTH
PER AND RAL NOT.
APPLICATION ** NOTICE EXP

Change in Control Notice by

Mary Lois Whittenburg Lockhart, as Trustee of the

Grace and Roy Whittenburg Trusts, Amarillo, TX.

to acquire an interest in Amarillo Western Bancshares,

Inc.. Amariilo. TX N/A

Change in Control Notice by

Clyde Crews, as Trustee, San Antonio,

TX, to acquire an interest in

InterContinental Bank Shares Corporation,

San Antonio, TX 97/03/06
(Previously reported during the week of 2-10-97)

Change in Control by

Michael A. Myers, Dallas, TX,

to acquire an interest in

Myers Bancshares, Inc., Dallas, TX

(Resubmission) 97/03/10
(Previously reported during the week of 1-27-97)

*Section 3(a)(1) application by

AmeriBancShares, Inc., Wichita Falls, TX, to acquire

AmeriBancShares of Delaware, Inc.. Wilmington, DE, and

American National Bank, Wichita Falls, TX 97/03/20

*Section 3(a)(1) application by
AmeriBancShares of Delaware, Inc., Wilmington, DE, to
acquire American National Bank, Wichita Falls. TX 97/03/20



Type
" 4@8)

4(0)(8)

48)

4(c)(8)

Federal Reserve Bank of Chicago

Section III Applications Subj Federal Regi
Notice Only - cont'd

Comment
Period
lication Ending D

Stichting Prioriteit ABN AMRO Holding FR - 3-4-97
Amsterdam, The Netherlands

Standard Federal Bancorporation, Inc.

Troy, Michigan

Standard Federal Bank

Troy, Michigan

Standard Brokerage Services, Inc.

Troy, Michigan

ABN AMRO Holding, N.V. FR - 3-4-97
Amsterdam, The Netherlands

Standard Federal Bancorporation, Inc.

Troy, Michigan

Standard Federal Bank

Troy, Michigan

Standard Brokerage Services, Inc.

Troy, Michigan

ABN AMRO North America, Inc., FR - 3-4-97
Chicago, Illinois

Standard Federal Bancorporation, Inc.

Troy, Michigan

Standard Federal Bank

Troy, Michigan

Standard Brokerage Services, Inc.

Troy, Michigan

Pinnacle Financial Services, Inc. FR - 3-12-97
St. Joseph, Michigan

IFB Investment Services, Inc.

Valparaiso, Indiana



H.2

FEBRUARY 18, 1997 TO FEBRUARY 21, 1997

PAGE 4

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK HOLDING COMPANIES

St. Louis

Minneapolis

BANK MERGERS

Kansas City

CHANGE IN BANK CONTROL

Kansas City

NCF Financial Corporation, Bardstown, Kentucky -- to
become a bank holding company upon conversion of
its subsidiary, Nelson County Federal Savings Bank
to a state-chartered nonmember bank to be named NCF
Bank and Trust.

Approved, February 19, 1997.

River Falls Bancshares, Inc., River Falls, Wisconsin
-- to acquire River Falls State Bank.
Approved, February 19, 1997.

Adams Bank and Trust, Ogallala, Nebraska -- to merge
with First State Bank, Lodgepole, Nebraska.
Approved, February 19, 1997.

Oklahoma State Bancorporation, Inc., Ada, Oklahoma -~
change in bank control.
Permitted, February 19, 1997.

COMPETITIVE FACTORS REPORTS

Philadelphia

Secretary

San Francisco

Absecon Interim National Bank, Absecon, New Jersey,
proposed merger with The First National Bank of
Absecon -- report on competitive factors.

Submitted, February 20, 1997.

Bank of America Illinois, Chicago, Illinois, proposed
merger with Bank of America National Trust &
Savings Association, San Francisco, California --
report on competitive factors.

Submitted, February 21, 1997.

Bank of Newport, Newport, Oregon, proposed merger
with Valley Commercial Bank -- report on
competitive factors.

Submitted, February 20, 1997.



Section IV - Applications Not Subject to Federal Register Notice
or Newspaper Notice

None

* Subject to CRA,

FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 2/21/97

Section V_- Availability of CRA Public Evaluations

The CRA public evaluations of the institution(s) below became available during
this week. Information about a particular institution's CRA evaluation may be
obtained directly from the institution.

Location

CivicBank of Commerce 2101 Webster St. 10/21/96

Satisfactory
Gakiand CA 94612-3043

*Under the rating system an institution's CRA performance is assigned one of the
following four ratings:



APPLICATIONS BULLETIN
(For the week ending February 22, 1997)

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
NONE

SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL
REGISTER NOTICE

Received application from Commercial Bancshares Savings * N: March 17, 1997
and Employee Stock Ownership Plan, West Liberty,

Kentucky, on February 21, 1997, to acquire 32.00 percent

of the outstanding voting shares of Commercial Bancshares,

Inc., West Liberty, Kentucky (a holding company in formation),

pursuant to Section 3(a)(1) of the Bank Holding Company Act.

Received application from CB Bancorp, Inc., Higginsport, * Not Yet Known #
Ohio, on February 21, 1997, to acquire The Citizens Bank,

Higginsport, Ohio, purusant to Section 3(a)(1) of the Bank

Holding Company Act.

SECTION IMI - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
NONE

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE

NONE

* ~ Subject to CRA

N - Newspaper Comment Period

F - Federal Register Comment Period

# - Expected to End 30 Days from Date of Receipt



Federal Reserve Bank of Richmond

Application Comment Period Ending Date

Woodsboro Bancshares, Inc., Woodsboro,

Maryland, to become a bank holding

company through the acquisition of 100%

of the voting shares of Woodsboro Bank,

Woodsboro, Maryland.* 2-27-97

Southern Financial Bank, Warrenton,

Virginia, to establish a branch at

4021 University Drive, Fairfax,

Virginia.* . 3-10-97

Centura Bank, Rocky Mount, North

Carolina, to establish a branch

inside the K-Mart at 5601 University

Parkway, Winston-Salem, North Carolina.* 3-12-97

Guaranty Bank, Charlottesville,

Virginia (the proposed successor to

Guaranty Savings & Loan, F.A.), for

membership in the Federal Reserve

System. * 3-19-97

Guaranty Bank, Charlottesville,
Virginia, an organizing bank, to
merge with Guaranty Savings & Loan,
F.A., Charlottesville, Virginia.* 3-19-97
+ Ir - Li . bi Bot}
x i Federal Regi .

Guaranty Financial Corporation,

Charlottesville, Virginia, to become

a bank holding company through the

acquisition of 100% of the voting

shares of Guaranty Bank, Charlottes-

ville, Virginia (the proposed successor

to Guaranty Savings & Loan, F.A.).* 3-19-97

*Application is subject to CRA requirements.



H.2

FEBRUARY 18, 1997 TO FEBRUARY 21, 1997

PAGE 3

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK HOLDING COMPANIES

Minneapolis

St. Louis

Chicago

Director, BS&R

Kansas City

St. Louis

San Francisco

Richmond

Community First Bankshares, Inc., Fargo, North Dakota
-- to engage in general insurance agency activities
through Lakefield Agency, Inc., Lakefield,
Minnesota.

Approved, February 18, 1997.

FGH Bancorp, Inc., Herrin, Illinois -- to acquire
Bank of Herrin; and Carterville State & Savings
Bank, Carterville, Illinois.

Approved, February 21, 1997.

First Financial Bancorporation, Iowa City, Iowa -- to
acquire West Branch Bancorp, Inc., West Branch,
Iowa, and West Branch State Bank.

Approved, February 20, 1997.

First State Bancshares of Blakely, Inc., Blakely,
Georgia -- request for relief from a commitment
made in connection with application to acquire
First Southwest Bancorp, Inc., Donaldsonville,
Georgia.

Granted, February 19, 1997.

Intra Financial Corp., Clyde, Kansas -- to acquire
Farmers State Bancshares of Sabetha, Inc. Sabetha,
Kansas.

Approved, February 19, 1997.

Liberty Bancshares, Inc., Alton, Illinois -- to
acquire Liberty Bank.
Permitted, February 21, 1997.

Microsoft Corporation, Redmond, Washington -- request
for deregistration pursuant to Regulation G.
Granted, February 20, 1997.

NationsBank Corporation, Charlotte, North Carolina --
to acquire First Federal Savings Bank of Brunswick,
Georgia, Brunswick, Georgia.

Permitted, February 19, 1997.



APPLICATION COMMENT PERIOD ENDING DATE
None.
- iT E
OR NEWSPAPER NOTICE
APPLICATION

Elsie, Inc., Elsie, Nebraska, for prior approval to
redeem 110 shares of its common stock.

- AVA
Identification of Ratings

In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:

Outstanding record of meeting community credit needs
An institution in this group has an outstanding record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs
An institution in this group has a satisfactory record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income

neighborhoods, in a manner consistent with its resources and capabilities.

Needs to improve record of meeting community credit needs

An institution in this group needs to improve its overall record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderate-
income neighborhoods, in a manner consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping

to meet the credit needs of its entire delineated community, including low- and moderate-
income neighborhoods, in a manner consistent with its resources and capabilities.



Type

3(a)3)

3(a)3)

3a)

3(a)()

3(ay(1)

Federal Reserve Bank of Chicago

ion II - licati bj Bot!
ist tic “d

Application

Coal City Corporation*
Chicago, Illinois
U.S. Bancorp
Lansing, Illinois
US. Bank
Lansing, Illinois

Manufacturers National Corporation*
Chicago, Illinois

USS. Bancorp, Inc.

Lansing, Illinois

US. Bank

Lansing, Illinois

Pioneer Bancorp, Inc.*

Auburndale, Wisconsin
Pioneer State Bank
Auburndale, Wisconsin

Brickyard Bancorp, Inc.*

Northbrook, Illinois
Sysco Financial, Inc.
Lincolnwood, Illinois
Brickyard Bank
Lincolnwood, Illinois

First Equity Corp.*
Skokie, Illinois
1st Equity Bank
Skokie, Illinois (in organization)

Ws!

a]

d F

al

Comment
Period
Ending Date

FR - 3-21-97
NP - **

FR - 3-21-97
NP -**

FR - 2-28-97
NP - 2-24-97

FR - 2-14-97
NP - 2-18-97

FR - 2-27-97
NP - 3-10-97



H.2
FEBRUARY 18, 1997 TO FEBRUARY 21, 1997
PAGE 2

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

ABBREVIATIONS: BS&R - Banking Supervision and Regulation; C&CA - Consumer and
Community Affairs; FOMC - Federal Open Market Committee; FRBO - Federal Reserve

Bank Operations; IF - International Finance; OSDM - Office of Staff Director
for Management

BANK BRANCHES, DOMESTIC

Atlanta AmSouth Bank of Tennessee, Chattanooga, Tennessee --
to establish a branch at 7604 Highway 70 South,
Nashville, Tennessee.
Approved, February 18, 1997.

New York Bank of New York, New York, New York -- to establish
a branch at 1730 Route 46, West Paterson, New
Jersey; and 500 Route 23 North, Pompton Plains, New
Jersey.
Approved, February 20, 1997.

Secretary U.S. Bank of Utah, Salt Lake City, Utah -- to
establish branches at Orem SuperTarget, 175 West
Center Street, Orem, and Riverdale SuperTarget,
Interstate 84 and Riverdale Road, Riverdale, Utah.
Approved, February 18, 1997.

Chicago 1st Source Bank, South Bend, Indiana -- to establish
a branch at 2900 South State Street, St. Joseph,
Michigan.

Approved, February 18, 1997.
BANK HOLDING COMPANIES

Chicago Anchor Bancorporation, Inc., Farmers City, Illinois
relief from a commitment and redemption of shares.
Returned, February 19, 1997.

Chicago Blackhawk Bancorp, Inc., Beloit, Wisconsin -- to
acquire Midland Acceptance Corp., Rochell,
Illinois, and engage in lending activities.
Returned, February 20, 1997.

Chicago Brickyard Bancorp, Inc., Northbrook, Illinois -- to
acquire Sysco Financial, Inc., Lincolnbrook,
Illinois, and Brickyard Bank.
Approved, February 20, 1997.

Atlanta Colonial BancGroup, Inc., Montgomery, Alabama -- to
merge with Shamrock Holding, Inc., Evergreen,
Alabama, and acquire The Union Bank.
Approved, February 18, 1997.



FEDERAL RESERVE BANK OF ST. LOUIS

FOR THE WEEK ENDING February 21, 1997
- ITY D

ification of Ratings:
Outstanding record of meeting community credit needs

An institution in this group has an outstanding record of, and is a leader in, ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs

An institution in this group has a satisfactory record of ascertaining and helping to meet the credit
needs of its entire delineated community, including low- and moderate-income neighborhoods, in a
manner consistent with its resources and capabilities.

Needs to improve record of meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs

An institution in this group has a substantially deficient record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

amination Xamination
Date Ratin:
Elliott State Bank Jacksonville, Illinois 10/28/96 Satisfactory



FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN

APPLICATIONS AND NOTIFICATIONS APPROVED DURING THE WEEK OF FEBRUARY 17, 1997

PPLICATION DATE

None.



Federal Reserve Bank of Chicago

ea ean reer . val Regi
Section III -Applications Subject to Federal Register Iv cont’

Comment
Period

4(c)(8) Pinnacle Financial Services, Inc. FR - 3-12-97
St. Joseph, Michigan
Indfed Mortgage Company
Valparaiso, Indiana

4(c)(8) Pinnacle Financial Services, Inc. FR - 3-12-97
St. Joseph, Michigan
Indiana Federal Corporation
Valparaiso, Indiana
Indiana Federal Bank
Valparaiso, Indiana

A(c)(8) Pinnacle Financial Services, Inc. FR - 3-12-97
St. Joseph, Michigan
Forrest Holdings, Inc.
Lisle, Illinois

A(c)(8) Stichting Admimistratiekantoor ABN AMRO Holding FR - **
Amsterdam, The Netherlands
Citicorp Futures Corporation and Citifutures Limited
London, England
Citicorp Futures Limited
Singapore

4(c)(8) ABN AMRO Bank N.V. FR - **
Amsterdam, The Netherlands
Citicorp Futures Corporation and Citifutures Limited
London, England
Citicorp Futures Limited
Singapore



FEDERAL RESERVE BANK OF PHILADELPHIA

Keystone Financial Inc., Harrisburg, PA to acquire 100 percent of Financial Trust Corp,
Carlisle,

PA, pursuant to Section 3(a)(5) of the Bank Holding Company Act.

Newspaper comment period expires: 3/02/97
Federal Register comment period expires: 3/03/97

Patriot Bank Corp., Pottstown, PA to become a bank holding company through the

acquisition of 100 percent voting shares of Patriot Bank, Pottstown, PA, pursuant to Section
3(a)(1) of the Bank Holding Company Act.

Newspaper comment period expires: 3/17/97
Federal Register comment period expires: N/Avail

= TI D
REGISTER NOTICE ONLY

NONE

- Al AT

NONE



AVAILABILITY OF CRA PUBLIC EVALUATIONS
(February 21, 1997)

The following state member banks have been examined by the Federal Reserve Bank of
Cleveland for compliance with The Community Reinvestment Act. A public evaluation document
became available from the bank(s) listed below during the week ended February 21, 1997. If you
are interested in obtaining a copy of an evaluation document, please contact the bank(s) directly.

There are four descriptive ratings for CRA:

OUTSTANDING: a bank in this group has an outstanding record of, and is a leader in,
ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

SATISFACTORY: a bank in this group has a satisfactory record of ascertaining and
helping to meet the credit needs of its entire delineated community, including low- and
moderate-income neighborhoods, in a manner consistent with its resources and capabilities.

NEEDS TO IMPROVE: a bank in this group needs to improve its overall record of
ascertaining and helping to meet the credit needs of its entire delineated community, including
low- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

SUBSTANTIAL NON COMPLIANCE: a bank in this group has a substantially deficient
record of ascertaining and helping to meet the credit needs of its entire delineated community,
including }ow- and moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

NONE