Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 1

Week Ending January 6, 2001

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 31, 2000 to January 6, 2001

Board Operations

Equal employment opportunity -- interim rule with request for comment on revised 

Rules Regarding Equal Opportunity [Docket No. R-1096].

- Approved, January 2, 2001 

Discount Rates

Discount Rates -- decrease from 6 percent to 5-3/4 percent by the Federal Reserve 

Banks of New York, Cleveland, Atlanta, St. Louis, Kansas City, Dallas, and San 

Francisco.

- Approved, January 3, 2001 

Discount Rates -- decrease from 5-3/4 percent to 5-1/2 percent by the Federal 

Reserve Banks of Boston, New York, Philadelphia, Cleveland, Richmond, Atlanta, 

Chicago, St. Louis, Minneapolis, Kansas City, Dallas, and San Francisco.

- Approved, January 4, 2001 

Forms

Forms -- extension without revision of Domestic Branch Notification (FR 4001); 

Investment in Bank Premises Notification (FR 4014); Reports Related to Securities 

of State Member Banks as Required by Regulation H; and Semiannual Report of 

Derivatives Activity (FR 2436).

- Approved, January 4, 2001 

General Accounting Office

General Accounting Office -- response to GAO correspondence entitled "Bank 

Regulators' Evaluation of Electronic Signature Systems."

- Approved, January 2, 2001 

(AC) = Addition or Correction Board - Page 1 of 1
December 31, 2000 to January 6, 2001

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

AmSouth Bank, Birmingham, Alabama -- to establish a branch at 12720 Atlantic 

Boulevard, Jacksonville, Florida.

- Approved, January 2, 2001 

Secretary

Centura Bank, Rocky Mount, North Carolina -- to establish branches at 50001 

Governors Drive, Chapel Hill, and 3012 Pacific Avenue, Virginia Beach, Virginia.

- Approved, January 4, 2001 

Secretary

The First Bank and Trust Company, Lebanon, Virginia -- to establish a branch at 396 

South High Street, Harrisonburg.

- Approved, January 4, 2001 

Richmond

Legacy Bank, Hinton, Oklahoma -- to establish a branch at 1401 S. Broadway, 

Marlow.

- Approved, January 2, 2001 

Kansas City

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 301 Summit 

Boulevard.

- Approved, January 4, 2001 

Atlanta

The Vintage Bank, Napa, California -- to establish a branch at 1065 Main Street, St. 

Helena.

- Approved, January 3, 2001 

San Francisco

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at 2030 Old 

Bridge Road, Lakeridge.

- Approved, January 4, 2001 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority December 31, 2000 to January 6, 2001

Bank Holding Companies

Comerica Incorporated, Detroit, Michigan -- to acquire shares of Imperial Bancorp, 

Inglewood, California, and thereby acquire Imperial Bank.

- Approved, January 5, 2001 

Chicago

Eggemeyer Advisory Corp., Rancho Sante Fe, California; WJR Corp.; Castle Creek 

Capital, LLC; and Castle Creek Capital Partners Funds I, IIa, and IIb, LP -- to 

acquire interests in Ruidoso Bank Corporation, Ruidoso, New Mexico, and thereby 

acquire interests in Ruidoso State Bank.

- Approved, January 3, 2001 

San Francisco

Fifth Third Bancorp, Cincinnati, Ohio -- to acquire Capital Holdings, Inc., Sylvania; 

and for Fifth Third Bank of Western Ohio, Dayton, to merge with Capital Bank, 

N.A., Sylvania, and thereby establish branches.

- Approved, January 5, 2001 

Cleveland

First Mid-Illinois Bancshares, Inc., Mattoon, Illinois -- waiver of application in 

connection with the acquisition of American Bank of Illinois, Highland.

- Returned, January 3, 2001 

Chicago

First Union National Bank, Charlotte, North Carolina -- for its subsidiary, First 

Union Commercial Corporation, to acquire its Edge corporation subsidiary, First 

Fidelity International Bank.

- Approved, December 31, 2000 

Richmond

State National Bancshares, Inc., Lubbock, Texas -- to acquire Ruidoso Bank 

Corporation, Ruidoso, New Mexico, and Ruidoso State Bank.

- Approved, January 3, 2001 

Dallas

Triple J Financial, Inc., Claude, Texas -- to become a bank holding company through 

the acquisition of First Caprock Bancshares, Inc., and First National Bank of Claude.

- Approved, January 5, 2001 

Dallas

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority December 31, 2000 to January 6, 2001

Bank Holding Companies

United Nebraska Financial Company, Grand Island, Nebraska -- to acquire shares of 

Desert Valley National Bank, Cave Creek, Arizona.

- Approved, January 4, 2001 

Kansas City

Virginia Capital Bancshares, Inc., Fredericksburg, Virginia -- to become a bank 

holding company through the acquisition of Fredericksburg State Bank.

- Approved, January 3, 2001 

Richmond

Change In Bank Control

FSB Bancshares, Inc., Clute, Texas -- change in bank control.

- Permitted, January 4, 2001 

Dallas

HBancorporation, Inc., Lawrenceville, Illinois -- change in bank control.

- Withdrawn, January 3, 2001 

St. Louis

Security Bancshares, Inc., Dunseith, North Dakota -- change in bank control.

- Withdrawn, January 5, 2001 

Minneapolis

Competitive Factors Reports

First Community Bank, N.A., Houston, Texas -- report on competitive factors of the 

proposed merger with FC Interim Bank, N.A.

- Submitted, January 3, 2001 

Dallas

First Community Bank, N.A., Lexington, South Carolina -- report on competitive 

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

branch of Newberry Federal Savings Bank, Newberry.

- Submitted, January 5, 2001 

Richmond

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority December 31, 2000 to January 6, 2001

Competitive Factors Reports

First Prosperity Bank, El Campo, Texas -- report on competitive factors of the 

proposed merger with Heritage Bank, Wharton.

- Submitted, January 3, 2001 

Dallas

State Bank of Cochran, Cochran, Georgia -- report on competitive factors of the 

proposed acquisition of certain assets and assumption of certain liabilities of Knight 

State Bank, Dexter, and its Dublin branch, and thereby establish branches.

- Submitted, January 3, 2001 

Atlanta

Extensions Of Time

Alpena Banking Corporation, Alpena, Michigan -- extension to April 5, 2001, to 

become a bank holding company through the acquisition of The Bank of Alpena, a 

de novo bank.

- Granted, January 5, 2001 

Chicago

Bank One Corporation, Chicago, Illinois -- extension to April 5, 2001, to engage in 

controlling certain private investment funds, engaging in derivative transactions, 

providing investment advice and administrative services to private investment funds, 

and providing commodity trading advice and acting as a commodity pool operator.

- Granted, January 5, 2001 

Chicago

Financial Holding Companies

Deutsche Bank AG, Frankfurt, Germany -- relief from certain commitments.

- Granted, January 4, 2001 

Director, BS&R

Independent Financial Network, Coos Bay, Oregon, and Security Bank Holding 

Company Employee Stock Ownership Plan -- election to become financial holding 

companies.

- Effective, January 5, 2001 

San Francisco

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority December 31, 2000 to January 6, 2001

Membership

Farmers & Merchants Bank, Eatonton, Georgia -- membership in the Federal 

Reserve System.

- Approved, January 3, 2001 

Atlanta

The Farmers Bank, Union Point, Georgia -- membership in the Federal Reserve 

System.

- Approved, January 3, 2001 

Atlanta

Regulations And Policies

Short-term interest rates -- decrease in the target for the federal funds rate from 6-

1/2 percent to 6 percent.

- Approved, January 3, 2001 

FOMC

(AC) = Addition or Correction Delegated - Page 5 of 5
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, January 6, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, January 6, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

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

and representative offices in San Francisco, California, and

Atlanta, Georgia.*

Newspaper – N/Avail

FBSEA RheinHyp Rheinische Hypothekenbank, AG, Frankfurt,

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

York.*

Newspaper – N/Avail

* 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

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

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

10.32 percent of the outstanding stock of Warwick Community

Bancorp, Inc., Warwick, New York.*

Newspaper – N/Avail

Fed Reg – 01/03/2001

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

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

Torrance, California .*

Newspaper – 01/15/2001

Fed Reg – 01/19/2001

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

to acquire Boullion Aviation Services, Inc., Bellevue,

Washington.

Fed Reg – 01/29/2001
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, January 6, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

2791281 Republic First Bank of Delaware

Wilmington, De

06/12/2000 12/14/2000 S X

1216321 First Republic Bank

Philadelphia, PA

04/10/2000 9/22/2000 S X

2785477 Asian Bank

Philadelphia, PA

05/22/2000 8/30/2000 S X

2580243 American Bank

Allentown, PA

4/17/2000 10/12/2000 S X

692115 Summit Bank

Bethlehem, PA

8/28/2000 8/28/2000 O X

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, January 6, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Received application from Fifth Third Bancorp, Cicninnati, OH

on 01/05/2001 to acquire Old Kent Financial Corporation, Grand

Rapids, MI and it bank subsidiaries.

Fed Reg – 01/26/2001

3(a)(5) Received application from Park National Corporation, Newark,

OH on 01/02/2001 to acquire Security Banc Corporation,

Springfield, OH and its bank subsidiaries.

Newspaper – 01/31/2001

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Received application from Fifth Third Bancorp, Cincinnati, OH

on 01/05/2001 to acquire the non-bank subsidiaries of Old Kent

Financial Corporation, Grand Rapids, MI.

01/26/2001

4(c)(8) Received application from Park National Corporation, Newark,

OH on 01/02/01 to acquire the non-bank subsidiary of Security

Banc Corporation, Springfield, OH.

Not Yet Known

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, January 6, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, January 6, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Colonial Bank, Montgomery, Alabama, to establish a branch

located at 27200 Riverview Center Boulevard, Bonita Springs,

Florida.

01/05/2001*

18(c) SouthTrust Bank, Birmingham, Alabama, to merge with

Bayshore National Bank, La Porte, Texas.

01/29/2001*

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

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

WAIVR SouthTrust Corporation, Birmingham, Alabama, application

waiver request for the proposed merger with Bay Bancshares,

Inc., and indirect acquisition of Bayshore National Bank, both of

La Porte, Texas.
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

Foreign Banco Pastor, S.A., Coruna, Spain, to establish an international

bank agency located in Miami, Florida.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, January 6, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Elmwood, Racine, Wisconsin, for prior approval to

establish a branch at State Highway 31 and Washington Road,

Kenosha, Wisconsin.*

Newspaper – 01/15/2001

18c &

 Branch

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, for prior

approval to merge with M&I Citizens American Bank, Merrill;

M&I Central Bank & Trust, Marshfield; M&I Bank of Eagle

River, Eagle River; M&I Merchants Bank, Rhinelander; M&I

First American Bank, Wausau; M&I Bank, Ashland; M&I Bank,

Superior; and M&I Mid State Bank, Stevens Point; all in

Wisconsin, and thereby establish 36 branch offices.*

Newspaper – 01/07/2001

18c &

 Branch

M&I Marshall I Ilsley Bank, Milwaukee, Wisconsin, for prior

approval to merge with M&I Central State Bank, Oshkosh,

Wisconsin, M&I Bank of Shawano, Shawano, Wisconsin, M&I

Bank Fox Valley, Appleton, Wisconsin and M&I Bank

Northeast, Green Bay, Wisconsin, and thereby establish 44

branch offices.*

Newspaper – 01/08/2001

18c &

 Branch

Security State Bank, New Hampton, Iowa, for prior approval to

merge with its affiliate bank, Security State Bank, Calmar, Iowa

and thereby establish branch offices at 102 W. Main, Calmar,

Iowa and 106 E. Main, Ossian, Iowa*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Admiral Family Banks, Inc., Alsip, Illinois, for prior approval to

acquire 81.4 percent of the voting shares of Federated Bancorp,

Inc., Onarga, Illinois, and thereby indirectly acquire Federated

Bank, Onarga, Illinois.*

Fed Reg – N/Avail

Newspaper – 02/02/2001

3(a)(1) Alpha Financial Group, Inc. Employee Stock Ownership Plan,

Toluca, Illinois, for prior approval to become a bank holding

company through the acquisition of 31.61 percent of the voting

shares of Alpha Financial Group, Inc. Minonk, Illinois; and

thereby indirectly acquire Alpha Community Bank, Toluca,

Illinois.*

Fed Reg – 02/01/2001

Newspaper – 01/28/2001
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) &

 4(c)(8)

Ames National Corporation, Ames, Iowa, for permission to

retain its current 5.39% investment in Mahaska Investment

Company, Oskaloosa, Iowa, and thereby indirectly acquire

Midwest Federal Savings and Loan Association of Eastern Iowa,

Burlington, Iowa, Mahaska State Bank, Oskaloosa, Iowa and

Central Valley Bank, Ottumwa, Iowa.*

Fed Reg – N/Avail

Newspaper – N/Avail

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

acquire 100 percent of the voting shares of Imperial Bancorp,

Inglewood, California and thereby indirectly acquire Imperial

Bank, Inglewood, California .*

Fed Reg – 01/02/2001

Newspaper – 01/01/2001

4(c)(8) FBOP Corporation, Oak Park, Illinois, for prior approval to

acquire 100 percent of the voting shares of PBOC Holdings,

Inc., Los Angeles, California and thereby indirectly acquire

Peoples Bank of California, Los Angeles, California .*

Fed Reg – 01/02/2001

Newspaper – N/Avail

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

become a bank holding company through the acquisition of 100

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

Illinois.*

Fed Reg – 01/22/2001

Newspaper – 02/12/2001

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

approval to acquire 20 percent of the voting shares of

Community Bank of Lemont (in organization), Lemont,

Illinois.*

Fed Reg – 01/05/2001

Newspaper – N/Avail

CIC Notification by James Albert Kaldenberg and Caryl Kaldenberg

Sharp of a Change in Control to retain current ownership of

31.81 percent and 30.08 percent, respectively, of the outstanding

voting shares of First Iowa State Shares, Inc., Albia, Iowa.

Fed Reg – 01/16/2001

Newspaper – N/Avail

CIC Notification by Rick R. Messerschmidt and William R.

Messerschmidt, as Trustees of the Roy W. Messerschmidt 2000

Irrevocable Trust, to control up to 46.9 percent of the

outstanding voting shares of FNB Holding Co., West Des

Moines, Iowa.

Fed Reg – 01/10/2001

Newspaper – N/Avail

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

to acquire 100 percent of the voting shares of Regional Federal

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

state chartered commercial bank to be known as Regional

Bank).*

Fed Reg – 01/11/2001

Newspaper – 01/05/2001

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

prior approval to acquire 100 percent of the voting shares of

Standard Federal Bancorporation, Inc., Troy, Michigan and

thereby indirectly acquire Standard Federal Bank, Troy,

Michigan and thereby engage in the nonbanking activity of

operating a savings association.*

Fed Reg – 01/16/2001

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

Type Application

Ending date of

comment period

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

Administratiekantoor ABN AMRO Holding, ABN AMRO

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

Amsterdam, The Netherlands; ABN AMRO North America

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

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

percent of the voting shares of Michigan National Corporation,

Farmington Hills, Michigan, and thereby indirectly acquire

Michigan National Bank, Farmington Hills, Michigan.*

Fed Reg – 01/16/2001

Newspaper – N/Avail

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

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

acquire 53 percent of Terrapin Bancorp, Inc., Elizabeth, Illinois.

Fed Reg – 01/19/2001

Newspaper – N/Avail

3(a)(1) Thumb National Bank & Trust Company Employee Stock

Ownership Plan, Pigeon, Michigan, for prior approval to become

a bank holding company through the acquisition of 30.52

percent of the voting shares of Thumb Bancorp, Inc., Pigeon,

Michigan and thereby indirectly acquire Thumb National Bank

& Trust Company, Pigeon, Michigan.

Fed Reg – 01/29/2001

Newspaper – N/Avail

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

become a bank holding company through the acquisition of 100

percent of the voting shares of Greensfork Township State Bank,

Spartanburg, Indiana.*

Fed Reg – 01/11/2001

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Alpha Financial Group, Inc. Employee Stock Ownership Plan,

Toluca, Illinois, notification of intent to acquire Alpha Insurance

Services, Inc., Washburn, Illinois; and thereby indirectly engage

in insurance agency activities.

Fed Reg – 02/01/2001

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

notification of intent to acquire, indirectly through its whollyowned subsidiary, 02-e Limited, up to 70 percent of the

outstanding voting shares of thinkorswim, Inc., a newly formed

Delaware corporation and thereby engage in providing retail

securities brokerage services over the Internet.

Fed Reg – 01/26/2001
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Administratiekantoor ABN AMRO Holding, ABN AMRO

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

Amsterdam, The Netherlands; ABN AMRO North America

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

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

percent of the voting shares of Independence Life Insurance

Company, Phoenix, Arizona, and Independence One Capital

Management Corporation, Farmington Hills, Michigan and

thereby to engage in providing financial and investment

advisory services.

Fed Reg – 01/16/2001

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

791746 First Trust & Savings Bank

100 W. Pine Street

Marcus, Iowa 51035-0337

(712) 375-5511

08/28/2000 01/02/2001 S X
Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, January 6, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Notice by Pulaski Bank and Trust Company, Little Rock,

Arkansas, to establish a branch at Markham and Monroe Streets,

Little Rock, Arkansas.*

1/15/2001

Branch Notice by Heber Springs State Bank, Heber Springs, Arkansas,

to establish a branch at Highway 5 and Highway 36, Rose Bud,

Arkansas.*

1/18/2001

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

Shelbyville, Kentucky, and Citizens Union Bancorp of

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

Bank, Dupont, Indiana (Previously submitted during the weeks

ending December 16 and December 23, 2000. Resubmitted here

because the newspaper notice was republished, resulting in a

revised public comment period).*

Newspaper – 1/21/2001

Fed Reg – 1/19/2001

3(a)(3) Notice by Midwest Community Bancshares, Inc., Marion,

Illinois, to acquire Egyptian State Bank, Carrier Mills, Illinois

(Previously submitted during the week ending December 30,

2000).*

Newspaper – 1/31/2001

Fed Reg – 2/1/2001

3(a)(3) Notice by Republic Bancorp, Inc., Louisville, Kentucky, to

acquire Republic Bank & Trust Company of Indiana,

Clarksville, Indiana (in organization) (Previously submitted

during the week ending December 30, 2000).*

Newspaper – 1/26/2001

Fed Reg – 1/26/2001

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

Type Application

Ending date of

comment period

None

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

Type Application

3(a)(5)(C) Notice by Security Bancshares, Inc., Witt, Illinois, to acquire

Security National Bank, Witt, Illinois.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, January 6, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Frandsen Financial Corporation, Forest Lake, Minnesota, to

acquire 100% of the shares of Oslo Bancorporation, Inc., Oslo,

Minnesota.*

Newspaper – 01/30/2001

Fed Reg – 02/01/2001

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

application for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, January 6, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

3(a)(1) Farmers Financial Corporation, Bolivar, Missouri, to become a

bank holding company through the reorganization of 100

percent of the voting shares of Farmers State Bank, S/B, Schell

City, Missouri.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, January 6, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First National Bank West Texas, Hale Center, TX, to establish a

branch office at 701 Main Street, Hale Center, TX, 79041*

01/08/2001

*Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC Citizens National Bank of Bossier City Employee Stock

Ownership Plan, Bossier City, LA, to acquire an interest in

Citizens National Bancshares of Bossier, Inc., Bossier City, LA

Fed Reg – 01/25/2001

Newspaper – 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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, January 6, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch M&I Thunderbird Bank, Phoenix, Arizona, to establish a branch

office at 7702 East Doubletree Ranch Road, Scottsdale ,

Arizona.*

Newspaper – 01/04/2001

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) Franklin Resources, Inc., San Mateo, California, to acquire

Fiduciary Trust Company International, New York, New York.*

Newspaper – N/Avail

Fed Reg – 01/29/2001

3(a)(5) Humboldt Bancorp, Eureka, California, to merge with Tehama

Bancorp, Red Bluff, California .*

Newspaper – 11/22/2000

Fed Reg – 11/24/2000

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Humboldt Bancorp, Eureka, California, to acquire the remaining

50% of the outstanding shares of Bancorp Financial Services,

Inc., Sacramento, California.

Fed Reg – 11/24/2000
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

COM Eldorado Bancshares, Inc., Laguna Hills, California, request for

relief of commitment in order to pay a cash dividend in the

amount of $707,061.35, or $.05 per share to all holders of record

of common stock.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

868376 Barnes Banking Co

33 South Main Street

Kaysville, Utah 84037-1922

(801) 544-3424

08/28/2000 01/02/2001 S X

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

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

for errors or omissions.

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None