Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 39

Week Ending September 23, 2000

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

Testimony And Statements

Improving Math and Science Education -- statement by Chairman Greenspan before the 

House Committee on Education and the Workforce, September 21, 2000

- Published, September 21, 2000 

Bank Holding Companies

U.S. Trust Corporation, New York, New York, and United States Trust Company of 

New York -- request for an exemption under the Depository Institutions Management 

Interlocks Act and Regulation L.

- Granted, September 22, 2000 

Banks, Foreign

Turkiye Is Bankasi, A.S., Ankara, Turkey -- to establish a representative office in New 

York, New York.

- Approved, September 18, 2000 

Enforcement

Consolidated Bank and Trust Company, Richmond, Virginia -- written agreement dated 

September 5, 2000, with the Federal Reserve Bank of Richmond and the Bureau of 

Financial Institutions of the Commonwealth of Virginia.

- Announced, September 22, 2000 

(AC) = Addition or Correction Board - Page 1 of 1
September 17, 2000 to September 23, 2000

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulatio

Consumer and Community Affai

Federal Open Market Committ

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Managemen

H.2 Actions under delegated authority

Bank Branches, Domestic

Bank of the West, El Paso, Texas -- to establish a branch at 8865 Viscount Boulevard.

- Approved, August 29, 2000 (AC)

Dallas

The Chase Manhattan Bank, New York, New York -- to establish a branch at 30 

Church Hill Road, Newtown, Connecticut.

- Approved, September 22, 2000 

New York

Colonial Bank, Montgomery, Alabama -- to establish a branch at 1690 US 1 South, St. 

Augustine, Florida.

- Approved, September 20, 2000 

Atlanta

Eagle Bank and Trust Company, Little Rock, Arkansas -- to establish a branch at 5600 

R Street.

- Approved, September 20, 2000 

St. Louis

Fifth Third Bank, Kentucky, Inc., Louisville, Kentucky -- to establish a branch at 524 

Marsailles Road, Versailles.

- Approved, September 21, 2000 

St. Louis

Legacy Bank, Hinton, Oklahoma -- to establish a branch at 701-723 East Main Street, 

Weatherford.

- Approved, September 19, 2000 

Kansas City

Oak Valley Community Bank, Oakdale, California -- to establish a branch at 166 Main 

Street, Bridgeport, California.

- Approved, September 20, 2000 

San Francisco

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority September 17, 2000 to September 23, 2000

Bank Branches, Domestic

Somerset Trust Company, Somerset, Pennsylvania -- to establish a branch at 7109 

Mason-Dixon Highway.

- Approved, September 20, 2000 

Cleveland

SunTrust Banks, Inc., Atlanta, Georgia -- to establish branches in Safeway stores at 403 

Redland Boulevard, Rockville, Maryland; 15411 New Hampshire Avenue, Cloverly, and 

13514 Outlet Drive, Silver Spring; 9596 Old Keene Mill Road, Burke, Virginia, and 

22350 Sterling Boulevard, Sterling.

- Approved, September 22, 2000 

Atlanta

Texas Bank, Weatherford, Texas -- to establish a mobile branch to provide bank 

services in the counties of Dallas, Denton, Hill, Hood, Johnson, Parker, and Tarrant.

- Approved, September 19, 2000 

Dallas

Tower Bank & Trust Company, Fort Wayne, Indiana -- to establish a branch at 10373 

Illinois Road.

- Approved, September 21, 2000 

Chicago

United Bank and Trust Company, Abilene, Texas -- to establish a branch at 300 North 

Marifield Drive, Suite 250, Midland.

- Approved, September 20, 2000 

Dallas

United Bank and Trust Company, St. Petersburg, Florida -- to establish a branch at 3029 

Enterprise Road, Clearwater.

- Approved, September 20, 2000 

Atlanta

Bank Holding Companies

Belle Plaine Service Corp., Belle Plaine, Iowa -- to redeem shares.

- Withdrawn, September 18, 2000 

Chicago

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

Bank Holding Companies

BOU Bancorp, Ogden, Utah -- to become a bank holding company through the 

acquisition of Bank of Utah.

- Approved, September 21, 2000 

San Francisco

Community Financial Shares, Inc., Glen Ellyn, Illinois -- to become a bank holding 

company through the acquisition of Community Bank-Wheaton/Glen Ellyn.

- Approved, September 22, 2000 

Chicago

The Dai-Ichi Kangyo Bank, Limited, Tokyo, Japan -- to engage de novo, indirectly 

through the CIT Group, Inc., New York, New York, in industrial loan company activities 

through the formation of a Utah state-chartered industrial loan company.

- Approved, September 6, 2000 (AC)

San Francisco

Flathead Holding Company, Bigfork, Montana -- to acquire Mountain Bank System, Inc.

- Approved, September 20, 2000 

Minneapolis

Fort Davis Bancshares, Inc., Fort Davis, Texas -- to become a bank holding company 

through the acquisition of FDB-Nevada, Inc., Carson City, Nevada, and Fort Davis State 

Bank, Fort Davis; and for FDB-Nevada to become a bank holding company through the 

acquisition of Fort Davis State Bank.

- Approved, September 22, 2000 

Dallas

Frankston Bancorp, Inc., Frankston, Texas -- to become a bank holding company 

through the acquisition of FDB, Inc., Dover, Delaware, and First State Bank, Frankston, 

Texas; and for FDB, Inc. to become a bank holding company through the acquisition of 

First State Bank.

- Approved, September 19, 2000 

Dallas

Gateway Bancshares, Inc., Ringgold, Georgia -- request for waiver of a commitment.

- Withdrawn, September 19, 2000 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority September 17, 2000 to September 23, 2000

Bank Holding Companies

The Industrial Bank of Japan, Ltd., Tokyo, Japan -- to engage in a joint venture with 

Nomura Securities Co., Ltd. in Nomura IBJ Global Investment Advisors, Inc., New 

York, New York, and thereby engage in domestic investment advisory activities.

- Approved, September 6, 2000 (AC)

New York

North Valley Bancorp, Redding, California -- to acquire Six Rivers National Bank, 

Eureka.

- Approved, September 22, 2000 

San Francisco

Pioneer Community Group, Inc., Iaeger, West Virginia -- to redeem shares.

- Approved, September 22, 2000 

Richmond

Tradition Bancshares, Inc., Houston, Texas -- to become a bank holding company 

through the acquisition of Tradition Bancshares of Delaware, Inc., Wilmington, Delaware, 

and First National Bank of Bellaire, Houston; and for Tradition Bancshares of Delaware 

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

Bellaire.

- Approved, September 20, 2000 

Dallas

Banks, Foreign

The Bank of Ireland, Dublin, Ireland -- to establish a representative office in Greenwich, 

Connecticut.

- Approved, September 22, 2000 

New York

Banks, Nonmember, And Miscellaneous Institutions

Norwest Bank International, Minneapolis, Minnesota -- name change to Wells Fargo 

Bank International.

- Approved, September 21, 2000 

San Francisco

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority September 17, 2000 to September 23, 2000

Banks, State Member

WestStar Bank, Bartlesville, Oklahoma -- payment of a dividend.

- Approved, September 19, 2000 

Kansas City

Change In Bank Control

Carleton Agency, Inc., Carleton, Nebraska -- change in bank control.

- Permitted, September 22, 2000 

Kansas City

Marshall County Bankshares, Inc., Beattie, Kansas -- change in bank control.

- Permitted, September 20, 2000 

Kansas City

Competitive Factors Reports

American National Bank, Oakland Park, Florida -- report on competitive factors of the 

proposed merger with American Interim National Bank.

- Submitted, September 20, 2000 

Atlanta

Equality Savings Bank, St. Louis, Missouri -- report on competitive factors of the 

proposed merger with Allegiant Bank.

- Submitted, September 20, 2000 

St. Louis

F & M National Bank, Nashville, Illinois -- report on competitive factors of the proposed 

merger with The Farmers and Merchants National Bank of Nashville.

- Submitted, September 20, 2000 

St. Louis

Georgetown Bank & Trust Company, Georgetown, Kentucky -- report on competitive 

factors of the proposed merger with Citizens Bank, Sharpsburg.

- Submitted, September 15, 2000 (AC)

Cleveland

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority September 17, 2000 to September 23, 2000

Competitive Factors Reports

Great Southern National Bank, Meridian, Mississippi -- report on competitive factors of 

the proposed merger with GSNB National Interim Bank, N. A.

- Submitted, September 14, 2000 (AC)

Atlanta

Home Federal Savings Bank, Sioux Falls, South Dakota -- report on competitive factors 

of the proposed acquisition of the Mitchell branch of First Federal Bank, Beresford.

- Submitted, September 20, 2000 

Minneapolis

IB Merger Corp., Calabasas, California -- report on competitive factors of the proposed 

merger with Bank of Oakland, Oakland.

- Submitted, September 21, 2000 

San Francisco

INB Mortgage Company, Spokane, Washington -- report on competitive factors of the 

proposed merger with Inland Northwest Bank.

- Submitted, September 21, 2000 

San Francisco

Liberty National Bank, Paris, Texas -- report on competitive factors of the proposed 

acquisition of the Paris branch of Guaranty Federal Bank, F.S.B., Dallas.

- Submitted, September 19, 2000 

Dallas

Merrill Lynch Trust Company of America, Chicago, Illinois; Merrill Lynch Trust 

Company of California, San Francisco, California; Merrill Lynch Trust Bank of Michigan, 

Bloomfield Hills, Michigan; and Merrill Lynch Company of North Carolina, Greensboro, 

North Carolina -- report on competitive factors of the proposed merger with Merrill 

Lynch Trust Company, FSB, Somerset, New Jersey.

- Submitted, September 21, 2000 

San Francisco

Redwood Bank, San Francisco, California -- report on competitive factors of the 

proposed merger with Commercial Bank of San Francisco.

- Submitted, September 22, 2000 

St. Louis

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority September 17, 2000 to September 23, 2000

Competitive Factors Reports

Six Rivers National Bank, Eureka, California -- report on competitive factors of the 

proposed merger with North Valley Interim Bank, Redding.

- Submitted, September 22, 2000 

San Francisco

Wells Fargo Bank Texas, N.A., San Antonio, Texas -- report on competitive factors of 

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

Midland, Texas, branches of The Chase Manhattan Bank, New York, New York.

- Submitted, September 21, 2000 

San Francisco

Extensions Of Time

A.N.B. Holding Company, Ltd., Terrell, Texas -- extension to December 13, 2000, to 

acquire The ANB Corporation, The ANB Delaware Corporation, and The American 

National Bank of Texas.

- Granted, September 20, 2000 

Dallas

Banco Popular North America, New York, New York -- extension to September 23, 

2000, to merge with Aurora National Bank, Aurora, Illinois, and establish branches.

- Granted, September 22, 2000 

New York

Morrill & Janes Bancshares, Inc., Hiawatha, Kansas -- extension to October 16, 2001, 

to acquire shares of FBC Financial Corporation, Claremore, Oklahoma, and thereby 

engage in the operation of a savings association.

- Granted, September 5, 2000 (AC)

Kansas City

Northwest Financial Corp., Spencer, Iowa -- extension to December 30, 2000, to 

acquire shares of Marquette Bank Oelwein, N.A., Oelwein.

- Granted, September 7, 2000 (AC)

Chicago

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority September 17, 2000 to September 23, 2000

Extensions Of Time

Provident Bank of Florida, Sarasota, Florida -- extension to September 20, 2001, to 

establish a branch at 3275 University Parkway.

- Granted, September 20, 2000 

Atlanta

SNB Bancshares, Inc., Sugar Land, Texas -- extension to December 11, 2000, to 

redeem shares.

- Granted, September 12, 2000 (AC)

Dallas

Texas Capital Bancshares, Inc., Dallas, Texas -- extension to December 23, 2000, to 

acquire BankDirect, SSB, a de novo savings bank.

- Granted, September 22, 2000 

Dallas

Western Acquisitions, L.L.C., Washington, D.C., and Western Acquisition Partners, 

L.P., Inverness, Illinois. -- extension to December 29, 2000, to acquire West Coast 

Bancorp, Tustin, California.

- Granted, September 22, 2000 

San Francisco

Financial Holding Companies

Bank of Nova Scotia, Toronto, Canada -- election to be treated as a financial holding 

company.

- Effective, September 21, 2000 

Director, BS&R

Skandinaviska Enskilda Banken AB (publ), Stockholm, Sweden -- election to be treated 

as a financial holding company.

- Effective, September 21, 2000 

Director, BS&R

International Operations

Texas Capital Bank, N. A., Dallas, Texas -- to establish a branch in the Cayman Islands.

- Withdrawn, September 21, 2000 

Dallas

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

Federal Reserve Bank of Boston

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3)/3(a)(5) Seacoast Financial Services Corporation, New Bedford,

Massachusetts - application to merge Home Port Bancorp, Inc.,

Nantucket, Massachusetts with and into Seacoast and in

connection there with for Seacoast to acquire 100% of the voting

shares of Nantucket Bank, Nantucket, Massachusetts

Newspaper - 10/26/2000

Fed Reg - 10/23/2000

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

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, September 23, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Urban Financial Group, Inc., Bridgeport, Connecticut, to

become a bank holding dompany, by acquiring 100 percent of

the voting shares of The Community’s Bank, Bridgeport,

Connecticut.*

Newspaper – N/Avail

Fed Reg – 10/12/2000

3(a)(1) Bank of Cyprus, Nicosia, Cyprus, to become a bank holding

company by acquiring 91.38 percent of Interbank of New York,

New York, New York.*

Newspaper – N/Avail

Fed Reg – 10/10/2000

3(a)(1) Bank Hapoalim B.M., Tel Aviv, Israel, et al, to become bank

holding companies by acquiring 100 percent of the shares of

Signature Bank, New York, New York.*

Newspaper – 10/16/2000

Fed Reg – 10/17/2000

* 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) Bank Hapoalim B.M., et al, to engage directly on a de novo

basis, in agency transactional services for customer investments,

and financial and investment advisory 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, September 23, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Republic First Bank of Delaware, Brandywine Hundred, DE, to

establish a branch office at 824 Market Street, Wilmington, DE

10/16/2000

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 4

Federal Reserve Bank of Cleveland

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c)

Branch

Received application on 09/19/2000 from Fifth Third Bank

Indiana, St. Joseph, MI to merge with AmeriBank. Holland, MI

and incident thereto establish branches.

N/Available

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

Type Application

Ending date of

comment period

4(c)(8) Received application on 09/18/2000 from Fifth Third Bancorp,

Cincinnati, OH of its intent to acquire Ottawa Financial

Corporation, Holland, MI.

N/Available

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Albemarle First Bank, Charlottesville, Virginia, to operate

a mobile branch by providing a courier service to pick up

noncash deposits from business customers at locations in

Charlottesville, Virginia, and in the counties of Albemarle,

Fluvanna, Greene and Nelson, Virginia.*

Newspaper - 09/29/2000

Branch Bank of the Commonwealth, Norfolk, Virginia, to establish

a branch at 4940 West Norfolk Road, Portsmouth, Virginia.*

Newspaper - 09/29/2000

Branch Heritage Bank, McLean, Virginia, to establish a branch at

1737 King Street, Alexandria, Virginia.*

Newspaper - 09/30/2000

18(c) Northern Neck State Bank, Warsaw, Virginia, to purchase

certain assets and assume certain liabilities of the Kilmarnock,

Virginia, branch office of First Virginia, Bank - Hampton

Roads, Norfolk, Virginia, through Bank of Lancaster,

Kilmarnock, Virginia.*

Newspaper - 10/07/2000

18(c) The Community Bank, Petersburg, Virginia, to merge with

County Bank of Chesterfield, Midlothian, Virginia.*

Newspaper - 10/16/2000

18(c) The Community Bank, Petersburg, Virginia, to merge with

Commerce Bank of Virginia, Richmond, Virginia.*

Newspaper - 10/16/2000

*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)(5) BB&T Corporation, Winston-Salem, North Carolina, to

merge with BankFirst Corporation, Knoxville, Tennessee.*

Fed Reg - N/Avail

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 6

Federal Reserve Bank of Atlanta

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at 4042 Scenic Highway 30-A, Unit C, Seagrove,

Florida, to be known as the South Walton Branch.

09/26/2000

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

located at 2045 Old Groves Road, Naples, Florida, to be known

as the North Naples Branch.

09/26/2000

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

located at 12100 Greenspoint, Houston, Texas, to be known as

the Post Oak Branch.

09/26/2000

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

located at 1233 West Loop South, Houston, Texas, to be known

as the Post Oak Branch.

09/26/2000

Branch SunTrust Bank, Atlanta, Georgia, to establish a branch located at

403 Redland Boulevard, Rockville, Maryland, to be known as

the King Farm Safeway Branch.

09/26/2000

Branch SunTrust Bank, Atlanta, Georgia, to establish a branch located at

15411 New Hampshire Avenue, Cloverly, Maryland, to be

known as the Cloverly Safeway Branch.

09/26/2000

Branch SunTrust Bank, Atlanta, Georgia, to establish a branch located at

9596 Old Keene Mill Road, Burke, Virginia, to be known as the

Keene Mills Safeway Branch.

09/26/2000

Branch SunTrust Bank, Atlanta, Georgia, to establish a branch located at

22350 Sterling Boulevard, Sterling, Virginia, to be known as the

Sterling Plaza Safeway Branch.

09/26/2000

Branch SunTrust Bank, Atlanta, Georgia, to establish a branch located at

13514 Outlet Drive, Silver Spring, Maryland, to be known as the

Briggs Chaney Safeway Branch.

09/26/2000

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

located at 11011 U.S. Highway 1, North Palm Beach, Florida, to

be known as the PGA Branch.

09/29/2000
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 7

Federal Reserve Bank of Chicago

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Midwest Bank of Western Illinois, Monmouth, Illinois, for prior

approval to establish a branch at 1120 North 6th Street,

Monmouth, Illinois.*

Newspaper – 09/18/2000

* 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

CIC Notification by James G. Fitzgerald, Thomas G. Fitzgerald, Jr.,

and Gerald F. Fitzgerald, Jr., of a Change of Control of Southern

Wisconsin Bancshares Corp., Mineral Point, Wisconsin.

Fed Reg – 10/06/2000

Newspaper – N/Avail

3(a)(1) Plymouth Financial Corporation, Plymouth, Michigan, for prior

approval to become a bank holding company through the

acquisition of 100 percent of the voting shares of New Liberty

Bank (in organization), Plymouth, Michigan.*

Fed Reg – 10/23/2000

Newspaper – N/Avail

3(a)(3) Central Banc, Inc., Geneseo, Illinois, for prior approval to

acquire 100 percent of the voting shares of Marquette Bank

Fulton, Fulton, Illinois.*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(3) Northwest Financial Corp., Spencer, Iowa, for prior approval to

acquire 100 percent of Plymouth Bancorporation, Inc., Le Mars,

Iowa, and thereby indirectly acquire First National Bank, Sioux

City, Iowa.*

Fed Reg – 10/23/2000

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

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 8

Federal Reserve Bank of St. Louis

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Notice by Fifth Third Bank, Kentucky, Inc., Louisville,

Kentucky, to establish a branch at 524 Marsailles Road,

Versailles, Kenucky.*

8/25/2000

Branch Notice by Southern Commercial Bank, St. Louis, Missouri, to

establish a branch at 6969 South Lindbergh Boulevard, St.

Louis, Missouri.*

9/10/2000

* 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)(3), 3(a)(3) Notices by First Banks, Inc., St. Louis, Missouri, and its

subsidiary bank holding company, First Banks America, Inc., St.

Louis, Missouri, to acquire Millennium Bank, San Francisco,

California. (Previously submitted during the week ending

September 16, 2000).*

Newspaper – 10/14/2000

Fed Reg – 10/20/2000

3(a)(1) Notice by Eureka Springs Bancshares, Inc., Eureka Springs,

Arkansas (“Bancshares”), to acquire Bank of Eureka

Springs, Eureka Springs, Arkansas. Also the companion

notifications by The John F. Cross Family Limited

Partnership II, and its general partner, JFC, Inc., both of

Eureka Springs, Arkansas, to acquire 13.4 percent of

Bancshares voting shares.*

Newspaper – 10/12/2000

Fed Reg – 10/20/2000

* 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

Section 5(b) of the

Bank Service

Corporation Act

Notice by Arvest State Bank, Tulsa, Oklahoma, to invest in

Security BankCard Center, Inc., Norman, Oklahoma, a bank

service corporation, and thereby participate in its credit card

program.

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, September 23, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Inter-Mountain Bancorp., Inc., Bozeman, Montana, for prior

approval to acquire 100% of the voting shares of Chouteau

County Bancshares, Inc., Fort Benton, Montana.

Newspaper – 10/30/2000

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8)LLD BANKFIRST Corporation, Inc., Sioux Falls, South Dakota, to

engage in purchasing credit card receivables through

BANKFIRST Funding, Inc., Sioux Falls, South Dakota.

10/11/2000

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

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, September 23, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) / Branch People First Bank, Hennessey, Oklahoma for prior approval to

merge with American Heritage Bank, El Reno, Oklahoma, and

Citizens Bank of Tulsa, Tulsa, Oklahoma, incident thereto, to

establish additional branches.

Newspaper – 10/14/2000

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

Type Application

Ending date of

comment period

3(a)(3) BOK Financial Corporation, Tulsa, Oklahoma, for prior

approval to acquire 100 percent of CNBT Bancshares, Inc.,

Bellaire, Texas; and thereby indirectly acquire Citizens National

Bank of Texas, Bellaire, Texas.

Newspaper – N/Available

FedReg – 10/23/2000

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

4(c)8

Guaranty Corporation, Denver, Colorado, for prior approval to

merge with Bank Capital Corporation, Strasburg, Colorado, and

thereby indirectly acquire The First National Bank of Strasburg,

Strasburg, Colorado. Also, to indirectly acquire Collegiate Peaks

Bancorporation, Strasburg, Colorado, and thereby acquire

Collegiate Peaks Bank, Buena Vista, Colorado. Also to acquire

Bank Capital Mortgage LLC, Strasburg, Colorado, and thereby

engage in extension of credit and servicing of loans activities.

FedReg - 10/17/2000

3(a)(1)RN Routt County Bancorporation, Inc., Steamboat Springs,

Colorado, for prior approval to become a bank holding company

through the acquisition of 100 percent of the voting shares of

First National Bank of Steamboat Springs, Steamboat Springs,

Colorado.

Newspaper – N/Available

FedReg – N/Available

3(a)(1) First Liberty Capital Corporation ESOP, Hugo, Colorado, for

prior approval to become a bank holding company through the

acquisition of 25.37 percent of the voting shares of First Liberty

Capital Corporation, Hugo, Colorado, and thereby indirectly

acquire First National Bank of Hugo, Hugo, Oklahoma.

FedReg – 09/21/2000
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) Big Mac Bancshares, Inc., Hoxie, Kansas, for prior approval to

become a bank holding company through the acquisition of 100

percent of the voting shares of Peoples State Bank, McDonald,

Kansas.

FedReg – 10/10/2000

3(a)(3) The Avoca Company, Scottsdale, Arizona, for prior approval to

acquire 100 percent of the voting shares of First State Bank of

Nebraska, Nebraska City, Nebraska, a de novo bank in

organization.

FedReg – 10/29/2000

CIC The B & D Lee Limited Partnership, Bryan L. and Delphia C.

Lee, General Partners, Nowata, Oklahoma; for prior approval to

acquire voting shares of Nowata Bancshares, Inc., Nowata,

Oklahoma, and thereby indirectly acquire voting shares of First

National Bank of Nowata, Nowata, Oklahoma.

Newspaper – 10/12/2000

FedReg - 10/10/2000

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

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, September 23, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Sterling City Bancshares, Inc., Sterling City, TX, to acquire

Sterling City Delaware Financial Corporation, Dover, DE, and

The First National Bank of Sterling City, Sterling City, TX*

Fed Reg – 10/20/2000

Newspaper – 10/15/2000

3(a)(1) Sterling City Delaware Financial Corporation, Dover, DE, to

acquire The First National Bank of Sterling City, Sterling City,

TX*

Fed Reg – 10/20/2000

Newspaper – 10/15/2000

*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

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, September 23, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Eggemeyer Advisory Corp., WJR Corp., Castle Creek Capital

LLC, Castle Creek Capital Partners Fund I, LP, Castle Creek

Capital Partners Fund II(a), LP, Castle Creek Capital Partners

Fund II(b), LP, and First Community Bancorp, all of Rancho

Santa Fe, California, to acquire 100 percent of the voting shares

of, and thereby merge with Professional Bancorp, Inc., and to

indirectly acquire First Professional Bank, N.A., both of Santa

Monica, California. *

Newspaper - 10/21/2000

Fed Reg - 10/20/2000

* 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) Tehama Bancorp, Red Bluff, California, to acquire convertible

preferred shares of Central Pacific Mortgage Company, Folsom,

California.

Fed Reg - 10/10/2000
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

CDC Foothill Independent Bank, Glendora, California, to make a

community development investment in the amount of $64,094,

in Inland Empire Lenders Community Development

Corporation, Riverside, 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

871769 Farmers & Merchants Bank of

 Long Beach

302 Pine Avenue

Long Beach, CA 90802

(562) 437-0011

05/22/2000 09/22/2000 S X

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

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

for errors or omissions.

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None