Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 37

Week Ending September 9, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions September 3, 2000 to September 9, 2000

Bank Holding Companies

Mizuho Holdings, Inc., Tokyo, Japan -- to become a bank holding company through the 

indirect acquisition of the U.S. subsidiary banks of The Dai-Ichi Kangyo Bank, Ltd., The 

Fuji Bank, Ltd., and The Industrial Bank of Japan, Ltd., all of Tokyo, Japan; to engage in 

certain nonbanking activities; and to acquire Fuji Bank International, Inc., Los Angeles, 

California, an Edge corporation.

- Approved, September 5, 2000 

Forms

Survey of Consumer Finances (FR 3059) -- to conduct the seventh triennial survey.

- Proposed, September 5, 2000 

(AC) = Addition or Correction Board - Page 1 of 1
September 3, 2000 to September 9, 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

Colonial Bank, Montgomery, Alabama -- to establish a branch at 200 18th Street North, 

Bessemer.

- Approved, September 5, 2000 

Atlanta

Community First Bank, Boscobel, Wisconsin -- to establish a branch at 115 Main Street, 

Reedsburg.

- Approved, September 7, 2000 

Chicago

U.S. Bank, Johnstown, Pennsylvania -- to establish a branch at Oakley Park 2, Suite 

202, RR7, Box 147, Westmoreland.

- Approved, September 7, 2000 

Philadelphia

Virginia Commerce Bank, Arlington, Virginia -- to establilsh a branch at 13881G 

Metrotech Drive, Chantilly.

- Approved, September 8, 2000 

Richmond

Bank Holding Companies

Farmers National Banc Corp., Canfield, Ohio -- to acquire Security Financial 

Corporation, Niles.

- Approved, September 9, 2000 

Cleveland

Fidelity D&D Bancorp, Inc., Dunmore, Pennsylvania. -- transfer agent registration.

- Approved, September 9, 2000 

Director, BS&R

First Colorado Bancorp, Inc., Lakewood, Colorado -- deregistration under Regulation U.

- Approved, September 1, 2000 (AC)

Kansas City

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority September 3, 2000 to September 9, 2000

Bank Holding Companies

Greater Bay Bancorp, Palo Alto, California -- to acquire Bank of Petaluma, Petaluma.

- Approved, September 7, 2000 

San Francisco

Highland Community Company, Chicago, Illinois -- to add George R. Brokemond as 

President and Chairman of the Board.

- Returned, September 7, 2000 

Chicago

Mid Continent Bancshares, Inc., El Dorado, Kansas -- deregistration under Regulation U.

- Approved, September 1, 2000 (AC)

Kansas City

Wells Fargo & Company, San Francisco, California -- renewal of the corporate 

existence of Norwest Bank International, Minneapolis, Minnesota, for 20 years.

- Approved, September 8, 2000 

San Francisco

Bank Mergers

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to merge with M&I Lakeview 

Bank, Sheboygan, and thereby establish branches at 1441 North Taylor Drive, 512 

South 8th Street, 2109 North Avenue, and 2315 South Business Drive; 414 Buffalo 

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

Plymouth; 122 North Franklin Street and 120 East Washington Street, Port Washington.

- Approved, September 8, 2000 

Chicago

Banks, Foreign

Banco Bilbao Vizcaya Argentaria, S.A., Bilbao, Spain -- to acquire through BBV 

Securities, Inc., New York, New York, certain assets of Argentaria International 

Securities Inc., and thereby engage in agency transactional services for customer 

investments, including securities brokerage, riskless-principal transactions, and privateplacement services.

- Approved, September 7, 2000 

New York

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority September 3, 2000 to September 9, 2000

Banks, Nonmember, And Miscellaneous Institutions

Farm Credit of Western Kansas, Production Credit Association, Colby, Kansas -- 

deregistration under Regulation U.

- Approved, September 7, 2000 

Kansas City

Perpetual Midwest Financial, Inc., Cedar Rapids, Iowa -- deregistration under Regulation 

U.

- Approved, September 1, 2000 (AC)

Kansas City

Banks, State Member

First State Bank of DeQueen, DeQueen, Arkansas -- payment of a dividend.

- Approved, September 7, 2000 

St. Louis

Midwest Bank and Trust Company, Elmwood Park, Illinois -- to establish a wholly 

owned subsidiary, MBTC Investment Company, Hamilton, Bermuda, and thereby 

manage and administer a portion of the bank's investment portfolio.

- Returned, September 1, 2000 (AC)

Chicago

Board Operations

Payments System Development Committee -- cooperative steps to address barriers to 

electronic check presentment.

- Announced, September 7, 2000 

Payments System Development Committee

Change In Bank Control

Clarkston Financial Corporation, Clarkston, Michigan -- change in bank control.

- Permitted, September 7, 2000 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority September 3, 2000 to September 9, 2000

Competitive Factors Reports

Grundy County National Bank, Morris, Illinois -- report on competitive factors of the 

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

TCF National Bank, Minneapolis, Minnesota, at 120 Main Street, Wilmington, Illinois.

- Submitted, September 8, 2000 

Chicago

National Bank of Tennessee, Newport, Tennessee -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Greeneville, Tennessee, 

branch of SunTrust Bank, Atlanta, Georgia.

- Submitted, September 7, 2000 

Atlanta

SOSBT Bank, Sturgis, Michigan, an interim bank -- report on competitive factors of the 

proposed merger with Sturgis Bank & Trust Company.

- Submitted, September 7, 2000 

Chicago

Extensions Of Time

Home Town Banking Corporation, Monroe, Georgia -- extension to December 7, 2000, 

to become a bank holding company through the acquisition of Walton Bank and Trust 

Company.

- Granted, September 6, 2000 

Atlanta

Santa Barbara Bank & Trust, Santa Barbara, California -- extension to December 13, 

2000, to merge with Los Robles Bank, Thousand Oaks.

- Granted, September 6, 2000 

San Francisco

Financial Holding Companies

Baldwin Bancshares, Inc., Baldwin, Wisconsin -- election to become a financial holding 

company.

- Effective, September 7, 2000 

Minneapolis

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority September 3, 2000 to September 9, 2000

Membership

Swedish American State Bank, Courtland, Kansas -- to become a member of the 

Federal Reserve System.

- Approved, September 6, 2000 

Kansas City

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

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, September 9, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, September 9, 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)(a) Urban Financial Group, Inc., Bridgeport, Connecticut, to

become a Bank Holding Company, by acquiring 100 percent of

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

Connecticut.

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1)(a) 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 – N/Avail

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

4(c)8

First Niagara Financial Group, Inc., and Niagara Bancorp,

MHC, both of Lockport, New York, (i) to acquire direct or

indirect ownership or control of 100 percent of the voting shares

of Cayuga Bank, (ii) for Iroquois to merge with and into First

Niagara Financial Group, Inc., and (iii) for First Niagara

Financial Group, Inc. and Niagara to acquire direct and indirect

ownership or control of the Homestead Savings FA.

Newspaper – N/Avail

Fed Reg – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, September 9, 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

CIC Arnold G. Danielson, Jonathan D. Holtaway, Timothy J.

Mc Donald, David G. Danielson, of Danielson Associates,

Rockville, MD, to purchase up to 24.9% of Midstate

Bancorp, Inc., Felton, DE.

Newspaper: 10/03/2000

Fed. Reg.: 09/27/2000

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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, September 9, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, September 9, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Rockingham Heritage Bank, Harrisonburg, Virginia, to

merge with Marathon Merger Bank (an interim bank) ,

Winchester, Virginia *

Newspaper - 10/02/2000

18(c) Bank of Tazewell County, Tazewell, Virginia, to acquire

three branch offices of AmSouth Bank, Birmingham,

Alabama, located in the cities of Abingdon, Marion, and

Wytheville, Virginia .*

Newspaper - 10/11/2000

*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) Marathon Financial Corporation, Winchester, Virginia, to

acquire Rockingham Heritage Bank, Harrisonburg, Virginia.*

Fed Reg - 10/02/2000

Newspaper - 10/02/2000

*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

390925 FNB Southeast

202 South Main Street

Reidville, North Carolina 27320-

3814

06/19/2000 09/03/2000 S X

693224 Union Bank and Trust Company

211 North Main Street

Bowling Green, Virginia 22427-9417

05/01/2000 09/07/2000 S X

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 9, 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) PCB Bancorp, Inc., Largo, Florida, to acquire Premier

Community Bank of Southwest Florida, Lehigh Acres, Florida

(in organization).

N/Avail*

4(c)(8) Citco Community Bancshares, Inc., Elizabethton, Tennessee, to

merge with Twin City Bancorp, Inc., Bristol, Tennessee

(Bancorp), and directly acquire Twin City Federal Savings

Bank, Bristol, Tennessee (Thrift), and thereby engage in

operating a savings association. Immediately following the

merger, Thrift will merge with Bancorp’s wholly-owned

subsidiary bank, Citizens Bank, Elizabethton, Tennessee.

Fed Reg 10/06/2000*

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

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 9, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) &

 Branch

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

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

Wisconsin and thereby establish branches at 1441 North Taylor

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

South Business Drive, all located in Sheboygan, Wisconsin; 414

Buffalo Street, Sheboygan Falls, Wisconsin; 1013 South 8th

Street, Manitowoc, Wisconsin; 2002 Eastern Avenue, Plymouth,

Wisconsin; and 122 North Franklin Street and 120 East

Washington Street, both located in Port Washington,

Wisconsin.*

Newspaper – 08/31/2000

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) Alpena Banking Corporation, Alpena, Michigan, for prior

approval to become a bank holding company through the

acquisition of 100 percent of the voting shares of The Bank of

Alpena (in organization), Alpena, Michigan.*

Fed Reg – 10/02/2000

Newspaper – N/Avail

3(a)(3) Wintrust Financial Corporation, Lake Forest, Illinois, for prior

approval to acquire 100 percent of the voting shares of

Northbrook Bank & Trust Company (in organization),

Northbrook, Illinois.*

Fed Reg – 10/05/2000

Newspaper – N/Avail

3(a)(1) Foster Bankshares, Inc., Chicago, Illinois, for prior approval to

become a bank holding company through the acquisition of 100

percent of the voting shares of The Foster Bank, Chicago,

Illinois.

Fed Reg – 10/06/2000

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 9, 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

4(c)(8) Notice by Allegiant Bancorp, Inc., St. Louis, Missouri, to

acquire Equality Bancorp, Inc., St. Louis, Missouri, and thereby

acquire Equality Savings Bank, St. Louis, Missouri.*

Newspaper – 10/9/2000

Fed Reg – N/Avail.

3(a)(3), 3(a)(3) Companion notices by First Banks, Inc., St. Louis, Missouri, and

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

St. Louis, Missouri, to acquire Commercial Bank of San

Francisco, San Francisco, California. (Previously submitted

during the week ending September 2, 2000)*

Newspaper – 9/28/2000

Fed Reg – 10/2/2000

* 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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, September 9, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

application for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

2802945 First Commercial Bank

Bloomington, Minnesota

5/15/2000 9/8/2000 S X

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 9, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Weststar Bank, Bartlesville, Oklahoma, for prior approval to

establish a branch at 3751 Newport Drive, Bartlesville,

Oklahoma.

Newspaper – 09/07/2000

18(c)/Branch Pinnacle Bank Wyoming, Torrington, Wyoming, for prior

approval to merge with Pinnacle Bank, Cody, Wyoming,

Pinnacle Bank, Newcastle, Wyoming, and Pinnacle Bank,

Mitchell, Nebraska, and incident thereto, establish additional

branches.

Newspaper – 09/22/2000

Branch Legacy Bank, Hinton, Oklahoma, for prior approval to establish

a branch at 701-723 E. Main Street, Corner of East Main and

Kansas, Weatherford, Oklahoma.

Newspaper – 09/14/2000

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 – N/Available

Newspaper – N/Available

3(a)(5) Guaranty Corporation, Denver, Colorado, for prior approval to

acquire 100 percent of the voting shares of Bank Capital

Corporation, Strasburg, Colorado, and thereby indirectly acquire

The First National Bank of Strasburg, Strasburg, Colorado.

FedReg – N/Available

Newspaper – 10/06/2000

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

Premises Legacy Bank, Hinton, Oklahoma, for prior approval to invest in

bank premises.

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 9, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Texas Bank, Weatherford, TX, to establish a mobile branch to

provide bank services at temporary locations within the

following seven Texas counties: Dallas, Denton, Hill, Hood,

Johnson, Parker, and Tarrant*

09/03/2000

Branch United Bank and Trust Company, Abilene, TX, to establish a

branch office at 300 North Marifield, Suite 250, Midland, TX,

79701*

09/15/2000

*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

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, September 9, 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) Innovative Bancorp, Calabasas, California, to become a bank

holding company by acquiring Bank of Oakland, Oakland,

California. *

Newspaper - 10/10/2000

Fed Reg - 10/06/2000

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

preferred shares of Central Pacific Mortgage Company, Folsom,

California.

Fed Reg - 09/29/2000

4(c)(8) Greater Bay Bancorp, Palo Alto, California, to acquire The

Matsco Companies, Inc., Emeryville, California, and thereby

engage directly and indirectly in nonbanking activities by

merging Matsco into Cupertino National Bank, Cupertino,

California.

Fed Reg - N/Avail

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

Type Application

Member Bank of Santa Clara, Santa Clara, California, to become a

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

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

2661898 Pacific Liberty Bank

19950 Beach Boulevard

Huntington Beach, CA 92648

(714) 429-2100

05/15/2000 09/06/2000 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