Board of Governors of the Federal Reserve System, Washington, DC 20551

Actions of the Board, Its Staff,

and the Federal Reserve Banks:

No. 43

Week Ending October 25, 1997

Federal Reserve Release

H.2

Applications and Reports Received
No. 43

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

One dollar coin proposal -- statement by Theodore E. Allison, Assistant to the

Board before the Subcommittee on Domestic and International Monetary Policy of

the House Committee on Banking and Financial Services, October 21, 1997.

- Published, October 21, 1997 

TESTIMONY AND STATEMENTS

Boston Bank of Commerce, Boston, Massachusetts -- proposal to issue and sell

convertible non-voting preferred stock to Phoenix Home Life Mutual Insurance

Company, Phoenix, Arizona, and Liberty Mutual Insurance Company.

- Approved, October 20, 1997 

BANK HOLDING COMPANIES

Wachovia Corporation, Winston-Salem. North Carolina -- to acquire Central

Fidelity Banks, Inc., Richmond, Virginia, and Central Fidelity National Bank, and

engage in credit life insurance activities through acquisition of Central Fidelity

Insurance Agency, Inc.

- Approved, October 20, 1997 

Korea Exchange Bank, Flushing, New York (Flushing Branch) -- order of

prohibition against Kang Soo Lee, a former officer and institution-affiliated party of

the Flushing branch of the Korea Exchange Bank, a state-licensed insured branch of

the Korea Exchange Bank, Seoul, Korea.

- Announced, October 21, 1997 

ENFORCEMENT
H.2

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

Additions/Corrections

Capital guidelines -- request for comment on a proposal to amend risk-based capital

guidelines to recognize certain revaluation gains on equity securities in Tier 2

capital.

- Approved, August 19, 1997 

REGULATIONS AND POLICIES
H.2

October 19, 1997 to October 25, 1997

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS

UNDER DELEGATED AUTHORITY

Abbreviations: BS&R - Banking Supervision and Regulation; C&CA - Consumer and Community

Affairs; FOMC - Federal Open Market Committee; RBOPS - Reserve Bank Operations and Payment

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

1st Source Bank, South Bend, Indiana -- to establish a branch at 3905 Franklin

Street, Michigan City, Indiana.

- Approved, October 21, 1997 

BANK BRANCHES, DOMESTIC

Chicago

AmSouth Bank, Birmingham, Alabama -- to establish a branch in Bruno's

Supermarket at 2020 Fieldstone Parkway, Franklin, Tennessee.

- Approved, October 24, 1997 

Secretary

Bank of New York, New York, New York -- to establish a branch at 113 West

Essex Street, Maywood, New Jersey.

- Approved, October 20, 1997 

New York

Comerica Bank, Detroit, Michigan -- to establish a branch at 54750 Shelby Road,

Shelby Township, Michigan.

- Approved, October 20, 1997 

Chicago

Comerica Bank, Detroit, Michigan -- to establish a branch at 1905 Canton Center,

Canton, Michigan.

- Approved, October 22, 1997 

Chicago

First Security Bank of Laurel, Laurel, Montana -- to establish a branch in Laurel.

- Approved, October 24, 1997 

Minneapolis
H.2

October 19, 1997 to October 25, 1997

Page 2

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS

UNDER DELEGATED AUTHORITY

McIlroy Bank & Trust, Fayetteville, Arkansas -- to establish a branch at Center

Street, ELkins, Arkansas.

- Approved, October 24, 1997 

St. Louis

Vectra Bank, Denver, Colorado -- to establish a branch at 9551 South University

Boulevard, Highlands Ranch, Colorado.

- Approved, October 20, 1997 

Kansas City

Woodlands Bank, Williamsport, Pennsylvania -- to establish a branch at 618 West

Southern Avenue, South Williams Port, Lycoming, Pennsylvania.

- Approved, October 24, 1997 

Philadelphia

BEO Bancorp, Heppner, Oregon -- to acquire Bank of Eastern Oregon.

- Approved, October 22, 1997 

BANK HOLDING COMPANIES

San Francisco

Citizens Financial Corp., Midwest City, Oklahoma -- to acquire shares of U.S.

National Bank.

- Approved, October 21, 1997 

Kansas City

Community National Corporation, Lexington, Tennessee -- to acquire Community

National Bank of Tennessee.

- Approved, October 22, 1997 

St. Louis

Fifth Third Bancorp, Cincinnati, Ohio -- to acquire Heartland Capital Management,

Inc., Indianapolis, Indiana.

- Permitted, October 21, 1997 

Cleveland
H.2

October 19, 1997 to October 25, 1997

Page 3

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS

UNDER DELEGATED AUTHORITY

First Banks, Inc., Creve Coeur, Missouri; Sundowner Corporation, Reno, Nevada;

and First Banks America, Inc., Houston, Texas -- to acquire Surety Bank, Vallejo,

California.

- Approved, October 20, 1997 

St. Louis

FirstBank Holding Company of Colorado Employee Stock Ownership Plan,

Lakewood, Colorado -- to acquire an additional one percent of FirstBank Holding

Company of Colorado, and its subsidiary banks.

- Approved, October 22, 1997 

Secretary

Fleet Financial Group, Inc., Boston, Massachusetts -- to engage in lending activities

through Mezzanine Capital Fund I, LLC.

- Permitted, October 24, 1997 

Boston

Griffin Investments, L.P., Cameron, Missouri, and Griffin General Partner, Inc. -- to

acquire Griffin Bancshares, Inc.

- Approved, October 22, 1997 

Kansas City

Marengo Bancshares, Inc., Marengo, Illinois -- to acquire Prairie State Bank.

- Approved, October 20, 1997 

Chicago

Norwest Corporation, Minneapolis, Minnesota; Norwest Financial Services, Inc., Des

Moines, Iowa; and Norwest Financial, Inc. -- to engage in consumer finance

activities, operating a nonbank depository institution, and acting as principal, agent,

or broker for credit life and credit accident, and health insurance through the

acquisition of Cityside Financial Services of Wisconsin, Inc., Cityside Savings &

Financial Services Co, and Cityside Insurance Company, Ltd., all of Eden Prairie,

Minnesota.

- Permitted, October 22, 1997 

Minneapolis
H.2

October 19, 1997 to October 25, 1997

Page 4

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS

UNDER DELEGATED AUTHORITY

Peoples Bancorporation, Inc., Cuba, Missouri -- to acquire Peoples Investment

Corporation, and Peoples Bank.

- Approved, October 24, 1997 

St. Louis

Popular, Inc., Hato Rey, Puerto Rico, Popular International Bank, Inc., and Popular

North America, Inc., Wilmington, Delaware -- to merge with Houston

Bancorporation, Inc., Houston, Texas, and acquire Citizens National Bank.

- Approved, October 22, 1997 

New York

Rice Lake Bancorp, Inc., Rice Lake, Wisconsin -- to acquire First Bank and Trust,

Menomonie, Wisconsin.

- Approved, October 20, 1997 

Minneapolis

Security Bank Holding Company, Coos Bay, Oregon -- to acquire Pacific State

Bank, Reedsport, Oregon.

- Approved, October 23, 1997 

San Francisco

Sentinel Financial Corporation, Kansas City, Missouri -- termination as a registered

lender under regulation G.

- Approved, October 20, 1997 

Kansas City

SIS Bancorp, Inc., Springfield, Massachusetts -- to acquire Glastonbury Bank and

Trust Company, Glastonbury, Connecticut.

- Approved, October 22, 1997 

Boston

Liberty Bank & Trust Company, Tulsa, N.A., Tulsa, Oklahoma -- to merge with

Bank One Trust Company, N.A., Columbus, Ohio.

- Approved, October 21, 1997 

BANK MERGERS

Cleveland
H.2

October 19, 1997 to October 25, 1997

Page 5

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS

UNDER DELEGATED AUTHORITY

Omni Bank, Macomb, Illinois -- to merge with Farmers State Bank of Ferris, Ferris,

Illinois.

- Approved, October 23, 1997 

Chicago

County Bank of Chesterfield, Midlothian, Virginia -- registration as transfer agent.

- Withdrawn, October 21, 1997 

BANKS, STATE MEMBER

Director, BS&R

Boston Private Bancorp, Inc., Boston, Massachusetts -- change in bank control.

- Permitted, October 20, 1997 

CHANGE IN BANK CONTROL

Boston

Page Bank Holding Company, Page, North Dakota -- change in bank control.

- Permitted, October 23, 1997 

Minneapolis

Bank One, Oklahoma City, Oklahoma -- report on competitive factors of the

proposed merger with Liberty Bank & Trust Company of Oklahoma City, N.A.,

Oklahoma City, Oklahoma.

- Submitted, October 21, 1997 

COMPETITIVE FACTORS REPORTS

Cleveland

Bank United, Houston, Texas -- report on competitive factors of the proposed

acquisition of certain assets and assumption of certain liabilities of branches of

California Federal Bank, FSB, San Francisco, California, at 216 North Tennessee

Street, McKinney; 551 East 15th Street, Plano; and 2821 West Parker Road, Plano,

Texas. 

- Submitted, October 21, 1997 

Dallas
H.2

October 19, 1997 to October 25, 1997

Page 6

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS

UNDER DELEGATED AUTHORITY

City National Bank, Beverly Hills, California -- report on competitive factors of the

proposed acquisition of the assets and assumption of the liabilities of Harbor Bank,

Long Beach, California.

- Submitted, October 23, 1997 

San Francisco

Commercial Bank of New York, New York, New York -- report on competitive

factors of the proposed merger with First Bank of The Americas.

- Submitted, October 22, 1997 

New York

Community First National Bank, Globe, Arizona -- report on competitive factors of

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

several branches of Bank One, Arizona, National Association, Phoenix, Arizona, and

Bank One, Utah, National Association, Salt Lake City, Utah.

- Submitted, October 23, 1997 

San Francisco

Country Bank For Savings, Ware, Massachusetts -- report on competitive factors of

the proposed merger with Leicester Savings Bank, Leicester, Massachusetts.

- Submitted, October 24, 1997 

Boston

First Commercial Bank, N.A., Little Rock, Arkansas -- report on competitive factors

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

Little Rock branch of Charter State Bank, Beebe; and by First National Bank,

Searcy, Arkansas.

- Submitted, October 21, 1997 

St. Louis

First Midwest Bank, National Association, Moline, Illinois -- report on competitive

factors of the proposed merger with McHenry State Bank, McHenry, Illinois.

- Submitted, October 24, 1997 

Chicago
H.2

October 19, 1997 to October 25, 1997

Page 7

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS

UNDER DELEGATED AUTHORITY

First National Bank Iowa, Iowa City, Iowa -- report on competitive factors of the

proposed merger with West Branch State Bank, West Branch, Iowa.

- Submitted, October 24, 1997 

Chicago

First National Bank of Dayton, Dayton, Texas -- report on competitive factors of the

proposed merger with New Dayton Bank, Houston, Texas.

- Submitted, October 23, 1997 

Dallas

Germantown Federal Savings Bank, Germantown, Ohio -- report on competitive

factors of the proposed merger with First Federal Savings Bank of Washington Court

House, Washington Court House, Ohio.

- Submitted, October 21, 1997 

Cleveland

Lafayette American Bank and Trust Company, Bridgeport, Connecticut -- report on

competitive factors of the proposed merger with The Bank of Southington,

Southington, Connecticut.

- Submitted, October 23, 1997 

New York

Lake City Bank, Warsaw, Indiana -- report on competitive factors of the proposed

acquisition of certain assets and assumption of certain liabilities of the Peru and

Greentown branches of National City Bank of Indiana, Indianapolis, Indiana.

- Submitted, October 24, 1997 

Chicago

LaSalle Bank, F.S.B., Chicago, Illinois -- report on competitive factors of the

proposed acquisition of the assets and assumption of the liabilities of 14 branches of

Standard Federal Bank, Troy, Michigan.

- Permitted, October 23, 1997 

Chicago
H.2

October 19, 1997 to October 25, 1997

Page 8

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS

UNDER DELEGATED AUTHORITY

Liberty Bank & Trust Company of Oklahoma City, N.A., Oklahoma City, Oklahoma

-- report on competitive factors of the proposed purchase of the assets and

assumption of the liabilities of the non-fiduciary business of Liberty Bank & Trust

Co. of Tulsa, N.A., Tulsa, Oklahoma 

- Submitted, October 21, 1997 

Cleveland

Liberty National Bank, Ada, Ohio -- report on competitive factors of the proposed

purchase of assets and assumption of the liabilities of the Kenton, Ohio, office of

Commercial Savings Bank, Upper Sandusky, Ohio.

- Submitted, October 21, 1997 

Cleveland

Mercantile Bank of Eastern Iowa, Waterloo, Iowa -- report on competitive factors of

the proposed merger with Mercantile Bank, FSB, Davenport, Iowa.

- Submitted, October 21, 1997 

St. Louis

Rubio Savings Bank of Brighton, Brighton, Iowa -- report on competitive factors of

the proposed merger with New Rubio Savings Bank of Brighton.

- Submitted, October 24, 1997 

Chicago

Tremont Savings Bank, Tremont, Illinois -- report on competitive factors of the

proposed purchase of the assets and assumption of the liabilities of the 206 West

Main Street, Stanford, Illinois, branch of Magna Bank, National Association,

Brentwood, Missouri.

- Submitted, October 24, 1997 

Chicago

Trumbull Savings and Loan Company, Warren, Ohio -- report on competitive factors

of the proposed merger with Trumbull Interim Savings Bank, Warren, Ohio.

- Submitted, October 21, 1997 

Cleveland
H.2

October 19, 1997 to October 25, 1997

Page 9

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS

UNDER DELEGATED AUTHORITY

United National Bank, Califon, New Jersey -- report on competitive factors of the

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

of Summit Bank, Hackensack, New Jersey, at 775 Route 523, Sergeantsville; and

333 North Main Street, Lambertville, New Jersey.

- Submitted, October 20, 1997 

New York

United Savings Bank, F.A., Great Falls, Montana -- report on competitive factors of

the proposed merger with Heritage Bank, FSB.

- Submitted, October 23, 1997 

Minneapolis

Valley National Bank of Cortez, Cortez, Colorado -- report on competitive factors

of the proposed merger with First National Bank of Alamosa, Alamosa, Colorado.

- Submitted, October 21, 1997 

Kansas City

TNB Bancorporation, Inc., Brenham, Texas -- extension to February 1, 1998, to

acquire TNB Bancorporation of Delaware, Inc., Wilmington, Delaware, and Texas

National Bank, Brenham, Texas. 

- Granted, October 23, 1997 

EXTENSIONS OF TIME

Dallas

Summit Bank, Bethlehem, Pennsylvania -- to become a member of the Federal

Reserve System.

- Approved, October 20, 1997 

MEMBERSHIP

Philadelphia
H.2

October 19, 1997 to October 25, 1997

Page 10

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS

UNDER DELEGATED AUTHORITY

Federal Reserve Bank of New York -- to provide net settlement services to

depository institutions that participate in the expanded national New York

Automated Clearing House and that utilize the New York Clearing House as agent

for the service.

- Approved, October 24, 1997 

RESERVE BANK SERVICES

Director RBOPS

Over-the-counter stocks -- revised list of OTC stocks subject to margin

requirements, and a list of foreign stocks. 

- Published, October 24, 1997 

SECURITIES REGULATION

Director BS&R
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week of 10-24-97 

Section I - Applications subject to newspaper notice only

Type Application comment period

Ending date of 

NONE

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

Type Application comment period

Ending date of 

*3(a)(1) Narragansett Financial Corp., Fall River, Massachusetts - application Newspaper - 11/23/97

to become a mutual holding company through the acquisition of

Citizens-Union Savings Bank, Fall River, Massachusetts Fed Reg - N/Avail

*Subject to the provisions of the Community Reinvestment Act

Section III - Applications subject to Federal Register notice only

Type Application comment period

Ending date of 

NONE

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

Type Application comment period

Ending date of 

NONE
Section V - Availability of CRA public evaluations

RSSD Examination CRA CRA 

number Institution/Location date public date rating Exam type

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.

The federal bank regulators use the following four performance levels to rate an institution’s performance under

CRA:

Outstanding

Satisfactory

Needs to improve

Substantial noncompliance

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

RSSD Examination CRA CRA 

number Institution/Location date public date rating Exam type

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 of 10/19/97-10/25/97

Section I - Applications subject to newspaper notice only

Type Application comment period

Ending date of 

None.

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

Type Application comment period

Ending date of 

None.

 

Section III - Applications subject to Federal Register notice only

Type Application comment period

Ending date of 

None. 

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

Type Application comment period

Ending date of 

None.

 
Section V - Availability of CRA public evaluations

RSSD Examination CRA CRA 

number Institution/Location date public date rating Exam type

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.

The federal bank regulators use the following four performance levels to rate an institution’s performance

under CRA:

Outstanding

Satisfactory

Needs to improve

Substantial noncompliance

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

available.

RSSD Examination CRA CRA 

number Institution/Location date public date rating Exam type

601416 First Tier Bank and Trust 06/02/97 10/22/97 Out- Small

107 Main Street standing 

Salamanca, New York 14779 

 

Section VI - CRA examinations scheduled Quarter

for of

Institution Location

Footnotes
DISTRICT 3 

FEDERAL RESERVE BANK OF PHILADELPHIA

Applications and notifications filed during the week of 10/20/97

Section I - Applications subject to newspaper notice only 

 Ending date of

Type Application comment period 

NONE

 

Footnotes

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

 

Ending date of

Type Application comment period 

3(a)(3) Penn Woods, Williamsport, PA to acquire up to 10 percent Fed Reg. 10/20/97

of Columbia Financial Institution, Bloomsburg, PA Newspaper 10/17/97

3(a)(3) MBNA Corporation, Wilmington, DE, to acquire MBNA Fed Reg. 11/03/97

America Bank, (Delaware), Wilmington, DE Newspaper 11/03/97

 

 Footnotes

Sections III - Applications subject to Federal Register notice only 

 

Ending date of

Type Application comment period 

NONE

 

Footnotes
Section IV - Applications not subject to Federal Register or newspaper notice 

 

 Ending date of

Type Application comment period 

NONE

 

Footnotes

Section V - Availability of CRA public evaluations 

 

RSSD Examination CRA CRA

number Institution/Location date public date rating Exam type 

 

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.

The Federal bank regulations use the following four performance levels to rate an institution’s performance under

CRA:

Outstanding

Satisfactory

Needs to improve

Substantial noncompliance

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

 

RSSD Examination CRA CRA

number Institution/Location date public date rating Exam

type 

 

 1391415 Pennsylvania State Bank 5/27/97 Satisfactory

CRA

2148 Market Street

Camp Hill, PA 17001

 

 

Footnotes
Section VI - CRA examinations scheduled for Quarter of 

Institution Locations 

NONE

 

Footnotes
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending 10/25/97

Section I - Applications subject to newspaper notice only

Type Application comment period

Ending date of 

BKBRX Received notice from Citizens Depsoit Bank & Trust, * 11/15/97

Vanceburg, KY on October 17, 1997, of its intent to

establish a branch at HC 73 Box 20, Vanceburg, KY.

Footnotes

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

Type Application comment period

Ending date of 

4C8LLEX Received notice from Star Banc Corporation Cincinnati, OH *F: 11/17/97

3A1 Received notice from Strasburg Bancorp, Inc., Strasburg, OH *N: 11/15/97

on October 24, 1997, of its intent to acquire Great Financial

Corporation, Louisville, KY.

on October 20, 1997, to acquire Strasburg Savings, Strasburg,

OH.

Footnotes

Section III - Applications subject to Federal Register notice only

Type Application comment period

Ending date of 

NONE

Footnotes
Section IV - Applications not subject to Federal Register or newspaper notice

Type Application comment period

Ending date of 

NONE

Footnotes

Section V - Availability of CRA public evaluations

Description of the CRA Goal against which institutions are evaluated, the four performance levels, and the

institutions for which an evaluation is publicly available.

The CRA requires a periodic evaluation of each covered institution regarding the extent to which it has

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

The federal bank regulators use the following four performance levels to rate an institution’s performance under

CRA.:

Outstanding

Satisfactory

Needs to Improve

Substantial noncompliance

RSSD Examination CRA CRA

number Institution/ Location date public date rating

None

Footnotes
Section VI - CRA examinations scheduled for Fourth Quarter of 1997

Institution Location

Andover Bank P.O. Box 1300, Public Square, Andover, OH 44003-1300

Bank of Corning Company P.O. Box 428, N. Valley Street, Corning, OH 43730-0428

Commercial & Savings Bank Co. P.O. Box 50, 701 S. Market Street, Danville, OH 43014-0050

Fifth Third of Northeastern Ohio 1404 E. Ninth Street, Cleveland, OH 44114

Genoa Banking Company P.O. Box 98, 801 Main Street, Genoa, OH 43430-0098

Hamler State Bank P.O. Box 358, 210 Randolph Street, Hamler, OH 43524-0358

Hocking Valley Bank P.O. Box 4847, 7 W. Stimson, Athens, OH 45701-4847

The Citizens Banking Company P.O. Box 5016, 100 E. Water Street, Sandusky, OH 44871-5016

The Corn City State Bank P.O. Box 197, 120 W. Main Street, Deshler, OH 43516-0197

The Cortland Savings & Banking Co. P.O. Box 98, 194 W. Main Street, Cortland, OH 44410-0098

The Custar State Bank P.O. Box 127, Main Street, Custar, OH 43511-0127

The Farmers Citizen Bank P.O. Box 567, Washington Square, Bucyrus, OH 44820-0567

The Metamora State Bank P.O. Box F, 120 E. Main Street, Metamora, OH 43540-0270

The Minster State Bank P.O. Box 90, 96 W. Fourth Street, Minster, OH 45865-0090

The Provident Bank 1 E. 4th Street, Cincinnati, OH 45202

Towne Bank P.O. Box 202, 610 E. South Boundary, Perrysburg, OH 43551

Footnotes
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week of October 24, 1997

Section I - Applications subject to newspaper notice only

Type Application comment period

Ending date of 

18(c) Farmers Bank of Maryland, Annapolis, Maryland, to acquire 11-26-97

certain assets and assume certain liabilities of three branches of

Signet Bank, Richmond, Virginia, two of which are located in

Easton, Maryland, and one located in Chestertown, Maryland.*

18(c) Atlantic Bank, Ocean City, Maryland, to acquire certain assets 11-26-97

and assume certain liabilities of three branches of Signet Bank,

Richmond, Virginia, two of which are located in Salisbury,

Maryland, and one in Cambridge, Maryland.*

18(c) First Virginia Bank of Tidewater, Norfolk, Virginia, to acquire 11-26-97

certain assets and assume certain liabilities of the Mappsville,

Virginia, branch of Signet Bank, Richmond, Virginia.*

* Application is subject to CRA requirements.

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

Type Application comment period

Ending date of 

3(a) (3) South Branch Valley Bancorp, Inc., Moorefield, West Virginia, to 11-21-97

acquire the remaining 60.4% of the shares of Capital State Bank,

Inc., Charleston, West Virginia.*

*Application is subject to CRA requirements.

Section III - Applications subject to Federal Register notice only

Type Application comment period

Ending date of 

4(c)(8) First Union Corporation, Charlotte, North Carolina, to acquire First 11-10-97

Wheat Butcher Singer, Inc., Richmond, Virginia.
Section IV - Applications not subject to Federal Register or newspaper notice

Type Application comment period

Ending date of 

3(a)(1) Virginia Bank Bankshares, Inc., Danville, Virginia, to become a bank

holding company through the acquisition of 100% of the voting

shares of Virginia Bank and Trust Company, Danville, Virginia.

Section V - Availability of CRA public evaluations

RSSD Examination CRA CRA 

number Institution/Location date public date rating Exam type

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.

The federal bank regulators use the following four performance levels to rate an institution’s performance under

CRA:

Outstanding

Satisfactory

Needs to improve

Substantial noncompliance

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

RSSD Examination CRA CRA 

number Institution/Location date public date rating Exam type

None.

Section VI - CRA examinations scheduled for Quarter of

Institution Location

Footnotes
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week of October 24, 1997

Section I - Applications subject to newspaper notice only

Type Application comment period

Ending date of 

18(c) Colonial Bank, Montgomery, Alabama, to merge with First National 11-15-97*

Bank of Florida at Bonita Springs, Bonita Springs, Florida.

*Subject to provisions of the Community Reinvestment Act.

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

Type Application comment period

Ending date of 

3(a)(1)A Williams Partners, L.P., Atlanta, Georgia, to become a bank holding Not yet available*

company through acquisition of FNB Newton Bancshares, Inc.,

Covington, Georgia.

3(a)(1)A Newton Financial Management Company, Atlanta, Georgia, to Not yet available*

become a bank holding company through acquisition of FNB

Newton Bancshares, Inc., Covington, Georgia.

CC FNB Newton Bancshares, Inc., Covington, Georgia, after-the-fact Not yet available*

change in control notice by the 1997 Williams Family Trust,

Covington, Georgia, to retain 79.27 percent of FNB Newton

Bancshares, Inc., Covington, Georgia.

CC FNB Newton Bancshares, Inc., Covington, Georgia, after-the-fact Not yet available*

change in control notice by Ms. Annie Ruth Williams to retain

79.27 percent of FNB Newton Bancshares, Inc., Covington,

Georgia.

3(a)(1)A Community National Bank Corporation Employee Stock Ownership Not yet available*

Plan, Venice, Florida, to become a bank holding company by

acquiring Community National Bank Corporation, along with its

subsidiary, Community National Bank of Sarasota County, Venice,

Florida.

CC Pinnacle Bancshares, Inc., Thomson, Georgia, change in control 12-01-97*

notice by Mr. Raymond Donald Brown, North Augusta, South Newspaper

Carolina; RDB Family Limited Partnership, North Augusta, South

Carolina; Mr. Arthur Judson Gay, Jr., Augusta, Georgia; Mr. James

Randal Hall, Augusta, Georgia; Mr. George Hull Inman, Augusta,

Georgia; Mr. John Walter Lee, Augusta, Georgia; Mr. Alfred

Montague Miller, Evans, Georgia; Mr. Julian Wilcher Osbon,

Augusta, Georgia; Mr. William George Hatcher, Augusta, Georgia;

and Mr. Hugh Hamilton, Jr., Augusta, Georgia; to collectively

acquire an additional 3.5 percent of the outstanding shares of

Pinnacle Bancshares, Inc., Thomas, Georgia.
Section II - Applications subject to both newspaper and Federal Register notice

Type Application comment period

Ending date of 

3(a)(5)A Skylake Bankshares, Inc., North Miami Beach, Florida, to merge 11-20-97*

with Kislak Financial Corporation, Miami Lakes, Florida, and Federal Register

thereby directly acquire Kislak National Bank, North Miami,

Florida.

3(a)(5)EXP Premier Bancshares, Inc., Atlanta, Georgia, to merge with Citizens Not yet available*

Gwinnett Bankshares, Inc., Duluth, Georgia, and thereby directly

acquire Citizens Bank of Gwinnett, Duluth, Georgia.

CC Vermilion Bancshares Corporation, Kaplan, Louisiana, Not yet available*

after-the-fact change in control notice by Mr. Billy Matthews to

retain 9.95 percent of the outstanding shares of Vermilion

Bancshares Corporation, Kaplan, Louisiana.

3(a)(1)A State of Franklin Bancshares, Inc., Johnson City, Tennessee, to Not yet available*

become a bank holding company by acquiring State of Franklin

Savings Bank, Johnson City, Tennessee.

*Subject to provisions of the Community Reinvestment Act.

Section III - Applications subject to Federal Register notice only

Type Application comment period

Ending date of 

None.

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

Type Application comment period

Ending date of 

WAIVR The Colonial BancGroup, Inc., Montgomery, Alabama, request for

waiver of the application requirements of Section 3(a)(5) of the

Bank Holding Company Act to merge with South Florida Banking

Corporation, Bonita Springs, Florida, and thereby directly acquire

First National Bank of Florida at Bonita Springs, Bonita Springs,

Florida.

COM First National Bancshares of Eunice, Inc., Eunice, Louisiana,

commitment waiver request.
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.

The federal bank regulators use the following four performance levels to rate an institution’s performance under

CRA:

Outstanding

Satisfactory

Needs to improve

Substantial noncompliance

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

RSSD Examination CRA CRA 

number Institution/Location date public date rating Exam type

1161980 Southeastern Bank of Florida Post 06-23-97 10-12-97 Satisfactory Small Bank

Office Box 1810

Alachua, Florida 32615

123338 Levy County State Bank 07-14-97 10-23-97 Satisfactory Small Bank

2012 North Young Blvd.

Chiefland, Florida 32626

68336 First Independence 07-07-97 10-20-97 Satisfactory Small Bank

 Bank of Florida

Post Office Box 08009

Ft. Myers, Florida 33908

 

Section VI - CRA examinations scheduled for Quarter of

Institution Location

Footnotes
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week of October 24, 1997

Section I - Applications subject to newspaper notice only

Type Application comment period

Ending date of 

NONE

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

Type Application comment period

Ending date of 

3(a)(1) Verona Bancshares, Limited* Fed Reg - 11/17/97

Verona, Wisconsin Newspaper - N/Avail

 Bank of Verona

 Verona, Wisconsin

Fed Reg - Federal Register Comment Period Ending Date

Newspaper - Newspaper Comment Period Ending Date

N/Avail - Not available at this time

* - Subject to the provisions of the Community Reinvestment Act

Section III - Applications subject to Federal Register notice only

Type Application comment period

Ending date of 

NONE

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

Type Application comment period

Ending date of 

NONE
Section V - Availability of CRA public evaluations

RSSD Examination CRA CRA 

number Institution/Location date public date rating Exam type

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.

The federal bank regulators use the following four performance levels to rate an institution’s performance under

CRA:

Outstanding

Satisfactory

Needs to improve

Substantial noncompliance

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

RSSD Examination CRA CRA 

number Institution/Location date public date rating Exam type

695349 Tri-County Bank 6/30/97 10/23/97 Outstanding Small

4222 Main Street

P.O. Box 100

Brown City, MI 48416-0100

(810) 346-2749

Section VI - CRA examinations scheduled for Quarter of

Institution Location
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week of October 20, 1997

Section I - Applications subject to newspaper notice only

Type Application comment period

Ending date of 

18(c) *Farmers and Merchants Bank, Stuttgart, Arkansas, Newspaper: 11/26/97

to acquire the DeValls Bluff, Arkansas branch of

Union Planters National Bank, Memphis, Tennessee.

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application comment period

Ending date of 

3(a)(1) *Southern Missouri Bancshares, Inc., Marshfield, Fed Reg: 11/17/97

Missouri, to acquire Southern Missouri Bank,

Marshfield, Missouri, a proposed de novo bank.

3(a)(3) *The Banc Ed Corp., Edwardsville, Illinois, to acquire Newspaper: 

OMNI Financial Corp., Pontoon Beach, Illinois. 11/26/97

*Subject to the provisions of the Community Reinvestment Act.

Section III - Applications subject to Federal Register notice only

Type Application comment period

Ending date of 

None

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

Type Application comment period

Ending date of 

None

 

Section V - Availability of CRA public evaluations

RSSD Examination CRA CRA 

number Institution/Location date public date rating Exam type

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.

The federal bank regulators use the following four performance levels to rate an institution’s performance under

CRA:

Outstanding

Satisfactory

Needs to improve

Substantial noncompliance

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

RSSD Examination CRA CRA 

number Institution/Location date public date rating Exam type

17751 Cass Bank & Trust 7/7/97 10/17/97 Satisfactory Small Bank

Bridgeton, Missouri

Section VI - CRA examinations scheduled for Quarter of

Institution Location

Footnotes
District 9

Federal Reserve Bank of Minneapolis

Applications and Notifications Filed During the Week of October 20, 1997

Section I - Applications subject to newspaper notice only

Type Application comment period

Ending date of 

NONE.

 

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

Type Application comment period

Ending date of

CIC Thomas B. Jones, Jerry P. Jones, Morris W. Jones, and November 10, 1997

Ralph D. Jones to acquire control of 47.3% and by Charles (Fed Reg)

Ekstrum to acquire control of 25.5% of the voting shares

of Philip Bancorporation, Inc., Philip, South Dakota.

3(a)(3) Community First Bankshares, Inc., Fargo, North Dakota N/Avail

for prior approval to acquire 100% of the voting shares of the

Community First National Bank, Globe, Arizona, a de novo

bank. *

* Subject to the provisions of the Community Reinvestment Act

Section III - Applications subject to Federal Register notice only

Type Application comment period

Ending date of 

NONE.

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

Type Application comment period

Ending date of

3(a)(1) F & M Bancshares, Inc., Langdon, North Dakota for prior N/A

approval to become a bank holding company through the 

acquisition of 100% of the voting shares of Farmers and

Merchants State Bank, Langdon, North Dakota.

3(a)(1) Matson Financial, Inc., Blomkest, Minnesota for prior approval N/A

to become a bank holding company through the acquisition of 

100% of the voting shares of State Bank of Blomkest, Blomkest,

Minnesota.

 

Section V - Publicly available CRA evaluations

RSSD Examination CRA CRA

number Institution/ Location date public date rating Exam type

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.

The federal bank regulators use the following four performance levels to rate an institution’s performance under

CRA:

Outstanding

Satisfactory

Needs to improve

Substantial noncompliance

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

RSSD Examination CRA CRA

number Institution/ Location date public date rating Exam type

837653 Security State Bank of Edgeley 7/14/97 10/22/97 Satisfactory Small Bank

Edgeley, North Dakota
Section VI - CRA examinations scheduled Quarter of

Institution Location

Footnotes
Federal Reserve Bank of Kansas City Week Ending October 24, 1997

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY

 APPLICATION COMMENT PERIOD ENDING DATE

Bancfirst Corporation, Oklahoma City, Oklahoma, for Not Available

prior approval to purchase assets and assume liablilites

of certain branches of Nationsbank, N.A., Charlotte,

North Carolina.

Pitkin County Bank & Trust Company, Aspen, November 14, 1997

Colorado, for prior approval to establish a branch located

in the 110 Midland Avenue Building, Basalt, Colorado.

SECTION II - APPLICATIONS SUBJECT TO BOTH

NEWSPAPER AND FEDERAL REGISTER NOTICE

APPLICATION COMMENT PERIOD ENDING DATE

Peoples, Inc., Ottawa, Kansas, for prior approval to Not Available

acquire 49.82 percent of the voting shares of Johnson

County Bank, Overland Park, Kansas.*

Light Bancshares Corporation, Liberal, Kansas, for prior November 17, 1997

approval to become a bank holding company through the

acquisition of 100 percent of the voting shares of The

Community Bank, Liberal, Kansas.*

MNB Bancshares, Manhattan, Kansas, for prior

approval to acquire 100 percent of the voting shares of November 20, 1997

Freedom Bancshares, Inc., Osage City, Kansas; and

thereby indirectly acquire Citizens State Bank, Osage

City, Kansas.*

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY

APPLICATION COMMENT PERIOD ENDING DATE

None.

 
SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE

OR NEWSPAPER NOTICE

APPLICATION

State Bank of Burden, Burden, Kansas, for prior

approval for membership in the Federal Reserve System.

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS

Identification of Ratings

In connection with the assessment of each insured depository institution’s CRA performance, a rating

is assigned from the following groups:

Outstanding record of meeting community credit needs

An institution in this group has an outstanding record of ascertaining and helping to meet the

credit needs of its entire delineated community, including low- and moderate-income

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

Satisfactory record of meeting community credit needs

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

credit needs of its entire delineated community, including low- and moderate-income

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

Needs to improve record of meeting community credit needs

An institution in this group needs to improve its overall record of ascertaining and helping to

meet the credit needs of its entire delineated community, including low- and moderate-income

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

Substantial noncompliance in meeting community credit needs

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

meet the credit needs of its entire delineated community, including low- and moderate-income

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

CRA Public CRA

Bank/Location RSSD# Exam Date Date Rating 

None.

*Application is subject to CRA.
District 11

Federal Reserve Bank of Dallas

Applications and Notifications Filed During the Week of October 20, 1997

Section I - Applications subject to newspaper notice only

Type Application comment period

Ending date of 

None.

* Subject to the provisions of the Community Reinvestment Act.

** Comment period ending date is the date specified in the newspaper only.

N/Avail - Not available at this time.

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

Type Application comment period

Ending date of

*3(a)(1) Wills Point Financial Corporation, Wills Point, TX, to acquire **97/11/18

Citizens National Bank of Wills Point, Wills Point, TX

*3(a)(3) WNB Bancshares, Inc., Odessa, TX, to acquire **97/11/13

City National Bank, Austin, TX

(Previously reported during the week of October 14, 1997)

* Subject to the provisions of the Community Reinvestment Act.

** Comment period ending date is the date specified in the newspaper only.

N/Avail - Not available at this time.

Section III - Applications subject to Federal Register notice only

Type Application comment period

Ending date of 

None.

* Subject to the provisions of the Community Reinvestment Act.
Section IV - Applications not subject to Federal Register or newspaper notice

Type Application comment period

Ending date of

S/R Notice by C. S. B. Bancshares, Inc., Somerville, TX, to repurchase

14,285 shares of its common stock

3(a)(1) ANB Bancshares, Inc., Anahuac, TX, to acquire ANB Bancshares

of Delaware, Inc., Wilmington, DE, and Anahuac National Bank,

Anahuac, TX

3(a)(1) ANB Bancshares of Delaware, Inc., Wilmington, DE, to acquire 

Anahuac National Bank, Anahuac, TX

Section V - Publicly available CRA evaluations

RSSD Examination CRA CRA

number Institution/ Location date public date rating Exam type

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.

The federal bank regulators use the following four performance levels to rate an institution’s performance under

CRA:

Outstanding

Satisfactory

Needs to improve

Substantial noncompliance

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

RSSD Examination CRA CRA

number Institution/ Location date public date rating Exam type

None.
Section VI - CRA examinations scheduled Quarter of

Institution Location

N/Avail

N/Avail - Not available at this time.
District 12

Federal Reserve Bank of San Francisco

Applications and Notifications Filed During the Week of 10/20/97 through 10/24/97

Section I - Applications subject to newspaper notice only

Type Application comment period

Ending date of 

None

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

Type Application comment period

Ending date of

3(a)(1) Timberland Bancorp, Inc., to become a bank holding company by Newspaper N/Avail

acquiring Timberland Savings Bank, SSB, both of Hoquiam,

Washington. * Fed Reg 11/21/97

3(a)(1) Pedcor Bancorp, Indianapolis, Indiana, to become a bank holding Newspaper 11/21/97

company by acquiring International City Bank, N.A., Long Beach,

California. * Fed Reg 11/21/97

3(a)(5) Zions Bancorporation, Salt Lake City, Utah, to acquire by merger Newspaper 11/20/97

Vectra Banking Corporation, and its wholly-owned subsidiary,

Vectra Bank, both of Denver, Colorado. * Fed Reg 11/20/97

CIC Eugene D. Fortner and Dolores Fortner Family Trust, Glendale, Newspaper N/Avail

California, to increase their ownership to more than ten percent of

Verdugo Banking Company, Glendale, California. * Fed Reg N/Avail

 * Subject to CRA

Section III - Applications subject to Federal Register notice only

Type Application comment period

Ending date of 

None

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

Type Application comment period

Ending date of

None

Section V - Publicly available CRA evaluations

RSSD Examination CRA CRA Large Small

number Institution/ Location date public date rating bank bank

Exam type

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.

The federal bank regulators use the following four performance levels to rate an institution’s performance under

CRA:

Outstanding

Satisfactory

Needs to improve

Substantial noncompliance

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

RSSD Examination CRA CRA Large Small

number Institution/ Location date public date rating bank bank

Exam type

None

Footnotes: 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 Quarter of

Institution Location

Footnotes