Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 32

Week Ending August 5, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions July 30, 2000 to August 5, 2000

Bank Holding Companies

The Royal Bank of Scotland Group plc, Edinburgh, Scotland -- to retain an interest 

in NatWest Group Holdings Corporation, New York, New York, and its subsidiaries 

and thereby engage in certain nonbanking activities.

- Approved, July 31, 2000 

Westamerica Bancorporation, San Rafael, California -- to acquire First Counties 

Bank, Clearlake.

- Approved, August 2, 2000 

International Operations

U.S. Bank National Association, Minneapolis, Minnesota -- to establish a branch in 

Toronto, Canada.

- Approved, July 31, 2000 

Publications

Consumer Automobile Leasing -- new computer program, "Keys to Vehicle Leasing: 

A Consumer Resource," available for download from Board's web site 

(www.federalreserve.gov/pubs/leasing).

- Announced, August 2, 2000 

Regulations And Policies

Examination frequency -- revised policy regarding the frequency of Community 

Reinvestment Act and consumer compliance examinations of smaller banks.

- Approved, July 28, 2000 (AC)

(AC) = Addition or Correction Board - Page 1 of 1
July 30, 2000 to August 5, 2000

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

AuburnBank, Auburn, Alabama -- to establish a branch at 1717 South College Street.

- Approved, August 3, 2000 

Atlanta

The Bank, Warrior, Alabama -- to establish branches at the intersections of County 

Highways 30A and 393, Santa Rosa, Florida; Jinks Avenue and 19th Street, Panama 

City; and US Highway 98 and Henderson Beach Boulevard, Destin.

- Approved, August 3, 2000 

Atlanta

First Gulf Bank, Gulf Shores, Alabama -- to establish a branch at 949 Fairhope 

Avenue, Fairhope.

- Approved, August 2, 2000 

Atlanta

Foothill Independent Bank, Glendora, California -- to establish a branch at 27576 

Ynez Road, Temecula.

- Approved, August 2, 2000 

San Francisco

Republic Security Bank, West Palm Beach, Florida -- to establish a branch at 3001 

Ponce de Leon Boulevard, Coral Gables.

- Approved, August 2, 2000 

Atlanta

Bank Holding Companies

Admiral Family Banks, Inc., Alsip, Illinois -- to continue to engage in leasing 

activities.

- Approved, August 3, 2000 

Kansas City

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority July 30, 2000 to August 5, 2000

Bank Holding Companies

Cardinal Financial Corporation, Fairfax, Virginia -- to acquire Heritage Bancorp, 

Inc., McLean.

- Approved, August 2, 2000 

Richmond

Commfirst Bancorporation, Inc., South Sioux City, Nebraska -- to acquire Robuck, 

Inc.

- Approved, August 3, 2000 

Kansas City

Cumberland Bancshares, Inc., Hartsville, Tennessee -- to acquire Academy Bank, 

Lebanon, a de novo bank.

- Approved, August 4, 2000 

Atlanta

FCB Financial, Inc., Tampa, Florida -- to become a bank holding company through 

the acquisition of First Commercial Bank of Tampa.

- Approved, August 4, 2000 

Atlanta

First-West Texas Bancshares, Inc., Midland, Texas -- to acquire First Pecos 

Bancshares, Inc., Midland; First National Bank, Pecos; First National Bank, Alpine; 

and First National Bank, Fort Stockton.

- Approved, August 2, 2000 

Dallas

FNB Financial Corporation, Las Vegas, New Mexico -- to acquire First National 

Bank in Las Vegas.

- Approved, August 4, 2000 

Kansas City

Gold Country Financial Services, Inc., Marysville, California -- to become a bank 

holding company through the acquisition of Gold Country National Bank.

- Withdrawn, August 1, 2000 

San Francisco

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority July 30, 2000 to August 5, 2000

Bank Holding Companies

Grant County State Bancshares, Inc., Employees Stock Ownership Plan, Swayzee, 

Indiana -- to become a bank holding company through the acquisition of an interest 

in Grant County State Bancshares, Inc., and Grant County State Bank.

- Approved, August 3, 2000 

Chicago

The Jack and Katherine Dickey Family Limited Partnership, Weatherford, 

Oklahoma -- to become a bank holding company through the acquisition of shares of 

First Farm Credit Corporation, Custer; and for Southwest Capital, LLC, 

Weatherford, to become a bank holding company through the acquisition of shares in 

Partnership.

- Approved, August 4, 2000 

Kansas City

NCAL Bancorp, Los Angeles, California -- to become a bank holding company 

through the acquisition of National Bank of California.

- Approved, August 2, 2000 

San Francisco

Pierce County Bancorp, Tacoma, Washington -- to acquire shares of Olympic 

Equities Corporation, Puyallup, and thereby engage in residential and construction 

lending and related activities.

- Approved, August 4, 2000 

San Francisco

Southern Financial Bancorp, Inc., Warrenton, Virginia -- to acquire First Savings 

Bank of Virginia, Springfield, and for Southern Financial Bank, Warrenton, to merge 

with First Savings Bank of Virginia as an Oakar transaction.

- Approved, August 2, 2000 

Richmond

Valley National Bancorp, Wayne, New Jersey -- to retain and acquire shares of 

Shrewsbury Bancorp, Inc., Shrewsbury.

- Approved, August 2, 2000 

New York

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority July 30, 2000 to August 5, 2000

Bank Holding Companies

Wells Fargo & Company, San Francisco, California -- to acquire Charter Financial, 

Inc., New York, New York, and thereby engage in leasing and equipment financing.

- Approved, July 31, 2000 

San Francisco

Change In Bank Control

American BancShares Corporation, Livingston, Tennessee -- change in bank control.

- Permitted, August 4, 2000 

Atlanta

Enevoldsen Management Company, Potter, Nebraska -- change in bank control.

- Permitted, July 31, 2000 

Kansas City

FirstBank Holding Company of Colorado, Lakewood, Colorado -- change in bank 

control.

- Permitted, August 1, 2000 

Secretary

Fox River Valley Bancorp, Inc., Appleton, Wisconsin -- change in bank control.

- Permitted, July 31, 2000 

Chicago

Pierce County Bancorp, Tacoma, Washington -- change in bank control.

- Permitted, August 4, 2000 

San Francisco

Summit Bancorp, Inc., Arkadelphia, Arkansas -- change in bank control.

- Permitted, August 4, 2000 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority July 30, 2000 to August 5, 2000

Competitive Factors Reports

Bank Mutual Corporation, Brown Deer, Wisconsin -- report on competitive factors 

of the proposed merger with First Northern Savings Bank, SA, Green Bay, and First 

Northern Capital Corp.

- Submitted, August 4, 2000 

Chicago

Bank of Gibson, Gibson, Georgia -- report on competitive factors in connection with 

change in bank control.

- Submitted, August 2, 2000 

Atlanta

Branch Banking and Trust Company of Virginia, Norfolk, Virginia -- report on 

competitive factors of the proposed merger with One Valley Bank-Shenandoah, 

Raphine.

- Submitted, July 31, 2000 

Richmond

Branch Banking and Trust Company, Winston-Salem, North Carolina -- report on 

competitive factors of the proposed merger with One Valley Bank-East, N.A., 

Martinsburg, West Virginia.

- Submitted, July 31, 2000 

Richmond

Branch Banking and Trust Company, Winston-Salem, North Carolina -- reports on 

competitive factors of the proposed mergers with One Valley Bank, N.A., 

Charleston, West Virginia; One Valley Bank of Huntington, Inc., Huntington; One 

Valley Bank-North, Inc., Moundsville; One Valley Bank of Mercer County, Inc., 

Princeton; One Valley Bank-South, Inc., Summersville; One Valley Bank, Inc., 

Morgantown; and One Valley Bank-Central Virginia, National Association, 

Lynchburg, Virginia; and the proposed acquisition of three Virginia branches of One 

Valley Bank-East, N.A., Martinsburg, West Virginia.

- Submitted, August 2, 2000 

Richmond

Catskill Savings Bank, Catskill, New York -- report on competitive factors of the 

proposed merger with Troy Savings Bank, Troy.

- Submitted, August 3, 2000 

New York

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority July 30, 2000 to August 5, 2000

Competitive Factors Reports

First National Bank of Bellaire, Bellaire, Texas -- reports on competitive factors of 

the proposed mergers with New First National Bank and Tradition Bank, Houston.

- Submitted, August 2, 2000 

Dallas

Gold Country National Bank, Brownsville, California -- report on competitive 

factors of the proposed merger with Gold Country National Interim Bank, Marysville.

- Submitted, July 24, 2000 (AC)

San Francisco

Marine National Bank, Jacksonville, Florida -- report on competitive factors of the 

proposed merger with First Alliance Bank.

- Submitted, August 2, 2000 

Atlanta

Metro Bank, Kenner, Louisiana -- report on competitive factors of the proposed 

merger with Firstrust Bank, New Orleans.

- Submitted, August 2, 2000 

Atlanta

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

acquisition of the branch at 6829 Hillcrest Road from Eagle National Bank.

- Submitted, August 2, 2000 

Dallas

Petefish, Skiles & Company, Virginia, Illinois -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Greenview, Tallula, 

and Petersburg branches of Illini Bank, Springfield.

- Submitted, August 4, 2000 

Chicago

Prairie State Bank and Trust, Mount Zion, Illinois -- report on competitive factors of 

the proposed merger with Farmers and Traders State Bank and Trust of Meredosia, 

Meredosia.

- Submitted, August 4, 2000 

Chicago

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority July 30, 2000 to August 5, 2000

Competitive Factors Reports

Republic Bank, Lansing, Michigan -- report on competitive factors of the proposed 

merger with D&N Bank, Hancock.

- Submitted, August 2, 2000 

Chicago

Sonoma Valley Bank, Sonoma, California -- report on competitive factors of the 

proposed merger with Sonoma Valley Merger Company.

- Submitted, August 2, 2000 

San Francisco

West Alabama Bank & Trust, Reform, Alabama -- report on competitive factors of 

the proposed merger with The Perry County Bank, Marion.

- Submitted, August 2, 2000 

Atlanta

Currency

Federal Reserve Notes -- letter confirming request for printing of notes during the 

fiscal year ending September 30, 2001.

- Approved, August 1, 2000 

Director, RBOPS

Extensions Of Time

Employee Stock Ownership Trust of People's Bank and Trust Company of Pickett 

County, Byrdstown, Tennessee -- extension to October 30, 2000, to acquire an 

interest in Upper Cumberland Bancshares, Inc.

- Granted, July 28, 2000 (AC)

Atlanta

FleetBoston Financial Corporation, Boston, Massachusetts -- extension to November 

30, 2000, to divest of a branch in Bloomfield, Connecticut, and in Hartford.

- Granted, August 4, 2000 

Director, BS&R

FNB Financial Corp., Hermitage, Pennsylvania -- extension to November 1, 2000, to 

acquire shares of Sun Bancorp, Inc., Selinsgrove.

- Granted, July 31, 2000 

Cleveland

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority July 30, 2000 to August 5, 2000

Extensions Of Time

Great Southern Capital Corporation Employee Stock Ownership Trust, Meridian, 

Mississippi -- extension to November 4, 2000, to acquire shares of Great Southern 

Capital Corporation.

- Granted, August 4, 2000 

Atlanta

SouthernBank Holdings, Inc., Buford, Georgia -- extension to November 10, 2000, 

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

a de novo bank.

- Granted, July 31, 2000 

Atlanta

Financial Holding Companies

Antioch Holding Company, Antioch, Illinois -- election to become a financial holding 

company.

- Effective, August 1, 2000 

Chicago

United Bancorp, Inc., Tecumseh, Michigan -- election to become a financial holding 

company.

- Effective, July 31, 2000 

Chicago

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

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, August 5, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

application to merge with Investors Fiduciary Trust Company,

Kansas City, Missouri

Newspaper - 08/22/2000

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, August 5, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

Helsinki, Finland, to establish a representative office in New

York, New York.

Newspaper – N/Avail

BKBRX European American Bank, New York, New York, to establish a

branch at 2401 Jericho Turnpike, Garden City Park, New York.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

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

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

Company, Ltd., Tokyo, Japan.*

Newspaper – 08/04/00

Fed Reg – 08/04/2000

3(a)(3), 3(a)(5),

4(c)(8)

M&T Bank Corporation, and Olympia Financial Corporation,

both of Buffalo, New York, to acquire Premier National

Bancorp, Inc., Lagrangeville, New York.

Newspaper – 08/30/00

Fed Reg – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Bank of New York, New York, New York; Chase Manhattan

Corporation, New York, New York; HSBC Holdings plc,

London, HSBC Holdings B.V., Amsterdam, Netherlands, HSBC

USA Inc., Buffalo, New York; Summit Bancorp, Princeton,

New Jersey, to acquire through NYCE Corporation, membership

interest of The Safecheck Company, L.L.C., and thereby engage

in nonbanking activities.

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, August 5, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, August 5, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(5) Received application on 08/02/2000 from Farmers National

Banc Corp., Canfield, OH of its intent to acquire Security

Financial Corp., Niles, OH

Newspaper – 09/02/2000

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

274727 Settlers Bank

115 Third Street

Marietta, OH 45750

06/26/2000 08/05/2000 S X

Section VI – CRA examinations scheduled for 4th Quarter of 2000

Institution Location

North Side Bank and Trust Company 4125 Hamilton Avenue

Cincinnati, OH 45223

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

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

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

circumstances.
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, August 5, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

assets and assume certain liabilities of two branch offices of

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

offices of First Virginia Bank - Hampton Roads, Norfolk,

Virginia.*

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

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

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

First Union Corporation, Charlotte, North Carolina, BB&T

Corporation, Winston-Salem, North Carolina, and Wachovia

Corporation, Winston-Salem, North Carolina, to invest through

Star Systems, Inc., Maitland, Florida, in SafeCheck Company,

L.L.C.

4(c)(9) Bank of America Corporation, Charlotte, North Carolina,

request for an increase in authority to underwrite and deal in

equity securities outside the United States.

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, August 5, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at 13333 Northwest Freeway, Suite 100, Houston,

Texas, to be known as the Northwest Crossing Branch.

08/10/2000*

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

located at 13135 South Dairy Ashford, Sugar Land, Texas, to be

known as the Granite Towers Branch.

08/10/2000*

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) Heritage Bancshares, Inc., Orange Park, Florida, to become a

bank holding company by acquiring Heritage Bank of North

Florida, Orange Park, Florida (formerly Clay County Bank).

Fed Reg – 09/01/2000*

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

OTHFOR AmSouth Bank, Birmingham, Alabama, to increase the

investment authority of its agreement corporation

subsidiary, Cahaba International, Inc., Birmingham,

Alabama.

SRNEW Lamar Capital Corporation, Purvis, Mississippi, prior

notification to repurchase approximately 2.5 percent of its

outstanding shares 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

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, August 5, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) &

 Branches

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

approval to merge with M&I Lakeview Bank, Sheboygan,

Wisconsin, and thereby establish branches at 1441 North Taylor

Drive, 512 South 8th Street, 2109 North Avenue, and 2315 South

Business Drive, all located in Sheboygan; 414 Buffalo Street,

Sheboygan Falls; 1013 South 8th Street, Manitowoc; 2002

Eastern Avenue, Plymouth; and 122 North Franklin Street and

120 East Washington Street, Port Washington; all in

Wisconsin.*

Newspaper – N/Avail

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

establish a branch at 8000 W. Outer Drive, Detroit, Michigan.*

Newspaper – 08/02/2000

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

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

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

company through the acquisition of 100 percent of the voting

shares of Community Bank Spring Green and Plain, Spring

Green, Wisconsin.*

Fed Reg – 08/21/2000

Newspaper – 08/18/2000

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

to become a bank holding company through the acquisition of

100 percent of the voting shares of Cornerstone National Bank

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

Fed Reg – 08/25/2000

Newspaper – 08/21/2000

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

prior approval to acquire 100 percent of the voting shares of

Sturgis Bank & Trust Company, Sturgis, Michigan.*

Fed Reg – 08/25/2000

Newspaper – 08/20/2000

CIC Notification by Perry B. Hansen, Douglas M. Kratz and Francis

P. McCarthy, of a Change in Control to acquire at least 50

percent of the issued and outstanding voting stock of Second

Mid-America Bancorp, Inc., Savanna, Illinois.

Fed Reg – 07/19/2000

Newspaper – 07/12/2000
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC Notification by Jennie Ryan Royer, of a Change in Control of

First Bancorp of Taylorville, Inc., Taylorville, Illinois.

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notification by Edwin L. Adler, of a Change in Control of

Clarkston Financial Corporation, Clarkston, Michigan.

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(1) Lafayette Community Bancorp, Lafayette, Indiana, for prior

approval to become a bank holding company through the

acquisition of 100 percent of the voting shares of Lafayette

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

Fed Reg – 06/19/2000

Newspaper – 06/27/2000

* 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) National Australia Bank Limited, Melbourne, Australia,

notification of intent to acquire, indirectly through its whollyowned subsidiary, 02-e Limited, a 60% equity interest in

Thinkorswim.com, a newly formed limited liability company

and thereby to engage in providing retail brokerage services over

the internet.

Fed Reg – 08/16/2000

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

913940 Old Kent Bank

One Vandenberg Center

Grand Rapids, Michigan 49503

(616) 771-5000

08/09/1999 07/31/2000 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, August 5, 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

3(a)(5)(C) Notice by Farmers and Merchants Bancshares, Inc., Nashville,

Illinois, to acquire The Farmers and Merchants National Bank of

Nashville, Nashville, Illinois.*

* Subject to the provisions of the Community Reinvestment Act
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, August 5, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(5)A Farmers and Merchants Financial Services, Inc., St. Paul,

Minnesota, for prior approval to merge with Minnesota

Financial Services, Inc., St. Paul, Minnesota.

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

Member Valley Bank of Glasgow, Glasgow, Montana, to become a

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

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

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

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

was revised in May 1995.

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

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

application for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, August 5, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) / Branch Pinnacle Bank, Papillion, Nebraska, to merge with Pinnacle

Bank, Aurora, Nebraska, Pinnacle Bank, Schuyler, Nebraska,

and Pinnacle Bank, Lexington, Nebraska; and incident thereto,

establish additional branches.

Newspaper - N/Avail

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, August 5, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, August 5, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First State Bank, Flagstaff, Arizona, to establish a branch office

at 14 E. Birch Avenue, Flagstaff, Arizona. *

Newspaper - 07/30/2000

18(c) Westamerica Bank, San Rafael, California, to merge with First

Counties Bank, Clearlake, California. *

Newspaper - N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Greater Bay Bancorp, Palo Alto, California, to acquire Bank of

Petaluma, Petaluma, California *

Newspaper - 09/01/2000

Fed Reg - 08/25/2000

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

S/R Westamerica Bank to pay a dividend in the amount of $20

million to its parent, Westamercia Bancorporation, both of San

Rafael, California.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None