Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 23

Week Ending June 3, 2000

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions May 28, 2000 to June 3, 2000

Bank Holding Companies

Anti-tying provisions -- request from Deere & Company for a determination that 

certain proposed credit card operations would comply with the anti-tying provisions 

of the Bank Holding Company Act.

- Approved, June 2, 2000 

BB&T Corporation, Winston-Salem, North Carolina -- to acquire One Valley 

Bancorp, Inc., Charleston, West Virginia, and its subsidiary banks.

- Approved, May 30, 2000 

Wells Fargo & Company, San Francisco, California -- to acquire First Commerce 

Bancshares, Inc., Lincoln, Nebraska, and its banking and nonbanking subsidiaries.

- Approved, May 30, 2000 

Banks, Foreign

Banca Sella S.p.A., Biella, Italy -- to establish an agency in Miami, Florida.

- Approved, May 30, 2000 

Forms

Forms -- extension without revision of Senior Loan Officer Opinion Survey on Bank 

Lending Practices (FR 2018), Senior Financial Officer Survey (FR 2023), and 

Consolidated Report of Condition and Income for Edge and Agreement 

Corporations (FR 2886b); and extension, with increases in reporting thresholds, of 

Report of Repurchase Agreements on U.S. Government and Federal Agency 

Securities with Specified Holders (FR 2415).

- Approved, June 2, 2000 

(AC) = Addition or Correction Board - Page 1 of 1
May 28, 2000 to June 3, 2000

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Centura Bank, Rocky Mount, North Carolina -- to operate a commercial lending 

branch at 452 Lakeshore Parkway, Rock Hill, South Carolina.

- Approved, May 25, 2000 (AC)

Secretary

Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 7421 Carmel 

Executive Park, Charlotte.

- Approved, May 25, 2000 (AC)

Secretary

The Chase Manhattan Bank, New York, New York -- to establish a branch at 1511 

Straight Path, Wyandanch.

- Approved, June 1, 2000 

New York

F&M Bank-Wisconsin, Kaukauna, Wisconsin -- to establish a branch at N56 

W16949 Ridgewood Drive, Menomonee Falls.

- Approved, May 30, 2000 

Chicago

First Bank and Trust Company, Dawson, Texas -- to establish a branch at 1025 N.E. 

4th Street, Hubbard.

- Approved, May 31, 2000 

Dallas

Heartland Bank, Croton, Ohio -- to establish a branch at South State Street and 

Cherrington Road, Westerville.

- Approved, May 30, 2000 

Cleveland

Midwest BankCentre, St. Louis, Missouri -- to establish a branch at 1001 Phoenix 

Parkway, O'Fallon.

- Approved, May 31, 2000 

St. Louis

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority May 28, 2000 to June 3, 2000

Bank Branches, Domestic

Nevada First Bank, Las Vegas, Nevada -- to establish a branch at 460 Stephanie 

Street, Henderson.

- Approved, June 1, 2000 

San Francisco

Old Kent Bank, Grand Rapids, Michigan -- to establish a branch at 3866 E. Grand 

River, Howell.

- Approved, May 30, 2000 

Chicago

Bank Holding Companies

Business Bank of California, San Bernardino, California -- waiver of application 

requirement in connection with the proposed merger with Valley Merchants Bank, 

N.A., Hemet.

- Granted, June 1, 2000 

San Francisco

CommerceFirst Bancorp, Inc., Annapolis, Maryland -- to become a bank holding 

company through the acquisition of CommerceFirst Bank, a de novo bank; and for 

CommerceFirst Bank to become a member of the Federal Reserve System.

- Approved, June 2, 2000 

Richmond

FNB Financial Services, Inc., Durant, Oklahoma -- to acquire FNB Lockney, 

Lockney, Texas.

- Approved, May 31, 2000 

Kansas City

Highlands Bankshares, Inc., Petersburg, West Virginia -- waiver of application in 

connection with the merger of its subsidiary bank, The Grant County Bank, with The 

Stockmans Bank of Harman, Harman.

- Granted, May 26, 2000 (AC)

Richmond

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority May 28, 2000 to June 3, 2000

Bank Holding Companies

Keene Bancorp, Inc. Employee Stock Ownership Plan and Trust, Keene, Texas -- to 

acquire Keene Bancorp, Inc., First State Bank, and Nichols Bancshares, Inc., Dover, 

Delaware.

- Approved, May 31, 2000 

Dallas

Lafayette Community Bancorp, Lafayette, Indiana -- to become a bank holding 

company through the acquisition of Lafayette Community Bank, a de novo bank; and 

for Lafayette Community Bank to become a member of the Federal Reserve System.

- Withdrawn, May 31, 2000 

Chicago

Mahaska Investment Company ESOP, Oskaloosa, Iowa -- to acquire additional 

shares of Mahaska Investment Company.

- Approved, June 2, 2000 

Chicago

Mizuho Holdings, Inc., Tokyo, Japan -- commenter's request to extend the public 

comment period in connection with the application to acquire The Dai-Ichi Kangyo 

Bank, Ltd., The Fuji Bank, Ltd., and The Industrial Bank of Japan, Ltd.

- Denied, June 1, 2000 

Secretary

Monmouth Community Bancorp, Long Branch, New Jersey -- to become a bank 

holding company with respect to Monmouth Community Bank.

- Approved, May 31, 2000 

New York

Quitman Management Corporation, Inc., Meridian, Mississippi, and Speed 

Bankshares, L.P. -- to become bank holding companies through the acquisition of 

Great Southern Capital Corporation and Great Southern National Bank.

- Approved, June 2, 2000 

Atlanta

SI Bancorp, Inc., Willimantic, Connecticut -- to become a mutual bank holding 

company through the acquisition of Savings Institute.

- Approved, May 30, 2000 

Boston

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority May 28, 2000 to June 3, 2000

Bank Holding Companies

Summit Bancorp, Inc., Arkadelphia, Arkansas -- to acquire Summit Residential 

Services, Inc., and thereby engage in community development and advisory services.

- Approved, June 2, 2000 

Secretary

Washington Trust Bancorp, Inc., Providence, Rhode Island -- to acquire Phoenix 

Investment Management Company, Inc., and thereby engage in investment advisory 

activities.

- Approved, June 2, 2000 

Boston

Bank Mergers

HSBC Bank USA, Buffalo, New York -- to merge with Republic Bank California, 

National Association, Beverly Hills, California, and thereby establish branches.

- Approved, May 25, 2000 (AC)

Secretary

Banks, Nonmember, And Miscellaneous Institutions

OmniBank, Mantee, Mississippi -- relocation of master account to the Federal 

Reserve Bank of Atlanta.

- Permitted, May 26, 2000 (AC)

Secretary

Capital Stock

First Gothenburg Bancshares, Inc., Gothenburg, Nebraska -- redemption of stock.

- Approved, June 2, 2000 

Kansas City

PCI Holdings, Inc., Saint Marys, Kansas -- redemption of stock.

- Approved, May 31, 2000 

Kansas City

Change In Bank Control

Delhi Bancshares, Inc., Delhi, Louisiana -- change in bank control.

- Permitted, May 31, 2000 

Dallas

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority May 28, 2000 to June 3, 2000

Competitive Factors Reports

Bank of Wrightsville, Wrightsville, Georgia -- report on competitive factors of the 

proposed merger with Knight State Bank, Dexter.

- Submitted, May 31, 2000 

Atlanta

Bremer Bank, N.A., Grand Forks, North Dakota -- report on competitive factors of 

the proposed merger with Bremer Bank, N.A., Crookston, Minnesota.

- Submitted, June 2, 2000 

Minneapolis

Citizens Bank, Mount Ayr, Iowa -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of the Kellerton branch of 

Commercial Federal Bank, FSB, Omaha, Nebraska.

- Submitted, June 2, 2000 

Kansas City

Dial National Bank, Des Moines, Iowa -- report on competitive factors of the 

proposed assumption of certain obligations of Wells Fargo & Company, San 

Francisco, California.

- Submitted, May 31, 2000 

San Francisco

First Bank of Beverly Hills, Beverly Hills, California -- report on competitive factors 

of the proposed purchase of the Beverly Hills branch of Fidelity Federal Bank, FSB, 

Los Angeles.

- Submitted, May 31, 2000 

San Francisco

First-Citizens Bank & Trust Company, Raleigh, North Carolina -- report on 

competitive factors of the proposed merger with Greensboro Insurance Services, 

Inc., Greensboro.

- Submitted, May 15, 2000 (AC)

Richmond

GBB Merger Corp., Palo Alto, California -- report on competitive factors of the 

proposed merger with Bank of Santa Clara, Santa Clara.

- Submitted, May 31, 2000 

San Francisco

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority May 28, 2000 to June 3, 2000

Competitive Factors Reports

The Grant County Bank, Petersburg, West Virginia -- report on competitive factors 

of the proposed merger with The Stockmans Bank of Harman, Harman.

- Submitted, June 1, 2000 

Richmond

McDowell County National Bank in Welch, Welch, West Virginia -- report on 

competitive factors of the proposed merger with McDowell County Interim National 

Bank, a de novo bank.

- Submitted, June 2, 2000 

Richmond

Norwest Bank Minnesota, N.A., Minneapolis, Minnesota -- report on competitive 

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

of Norwest Bank Red Wing, N.A., Red Wing.

- Submitted, May 25, 2000 (AC)

San Francisco

Rockland Trust Company, Rockland, Massachusetts -- report on competitive factors 

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

Bannstable County branches of Sovereign Bank, Wyomissing, Pennsylvania.

- Submitted, May 31, 2000 

Boston

San Benito Bank, Hollister, California -- report on competitive factors of the 

proposed merger with First National Bank of Central California, Salinas.

- Submitted, May 26, 2000 (AC)

San Francisco

Wells Fargo Bank, N.A., San Francisco, California -- report on competitive factors 

of the proposed consolidation with Norwest Bank Red Wing, N.A., Red Wing, 

Minnesota.

- Submitted, May 30, 2000 

San Francisco

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority May 28, 2000 to June 3, 2000

Financial Holding Companies

Community Banks, Millersburg, Pennsylvania -- election to become a financial 

holding company.

- Effective, May 26, 2000 (AC)

Philadelphia

Crosstown Holding Company, Blaine, Minnesota -- election to become a financial 

holding company.

- Effective, May 31, 2000 

Minneapolis

Fulton Financial Corporation, Lancaster, Pennsylvania -- election to become a 

financial holding company.

- Effective, May 26, 2000 (AC)

Philadelphia

(AC) = Addition or Correction Delegated - Page 7 of 7
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, June 3, 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

4(c)(8) The Royal Bank of Scotland plc, Edinburgh, Scotland -

notification to retain ownership of NatWest Group Holdings

Corporation, New York, New York and its subsidiaries and

thereby engage in certain nonbanking activities

Fed Reg - N/Avail

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of 2000

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, June 3, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Banco Comercial Portugues, S.A., Porto, Portugal, to establish a

representative office in Miami, Florida.

Newspaper – N/Avail

FBSEA Arab Banking Corporation (B.S.C.), Manama, Bahrain, to

establish a federally licensed uninsured branch in Greenwich,

Connecticut.

Newspaper – N/Avail

FBSEA The Chuo Trust & Banking Co., Ltd., Tokyo, Japan, to establish

a representative office in New York, New York.

Newspaper – N/Avail

FBSEA Banca Antoniana Popolare Veneta, Rome, Italy, to establish a

branch office in New York, New York.

Newspaper – N/Avail

FBSEA Banco Comercial Portugues, S.A., Oporto, Portugal, to establish

a branch office in New York, New York, and an agency in

Miami, Florida.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, June 3, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, June 3, 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, June 3, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

a branch in the University Center, Old Dominion University,

5201 Hampton Boulevard, Norfolk, Virginia.*

Newspaper – 06/09/2000

18(c) Centura Bank, Rocky Mount, North Carolina, to purchase

certain assets and to assume certain liabilities of four branch

offices of Wachovia Bank, National Association, WinstonSalem, North Carolina, located in Andrews, Franklin, Murphy,

and Robbinsville, North Carolina.*

Newspaper – 06/30/2000

*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) Peoples Financial Group, Inc., Iva, South Carolina, to become

a bank holding company through the acquisition 100% of the

voting shares of The Peoples Bank, Iva, South Carolina.*

Fed Reg – N/Avail

Newspaper – 06/30/2000

*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

3(a)(1) Park Meridian Financial Corporation, Charlotte, North Carolina,

to become a bank holding company through the acquisition of

100% of the voting shares of Park Meridian Bank, Charlotte,

North Carolina.

3(a)(1) Salem Community Bankshares, Inc., Salem, Virginia, to become

a bank holding company through the acquisition of 100% of the

voting shares of Salem Bank & Trust, N.A., Salem, Virginia.

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, June 3, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First Bank & Trust Company of Tennessee, Johnson City,

Tennessee, to establish a branch located at 1108 East Stone

Drive, Kingsport, Tennessee.

06/03/2000*

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) Cheaha Financial Group, Inc., to become a bank holding

company by acquiring Cheaha Bank, both of Oxford, Alabama

(in organization).

Fed Reg – 06/30/2000*

CIC American City Bancorp, Inc., Tullahoma, Tennessee, after-thefact notification filed by Mr. George Vibbert, Jr., Elwanda

Vibbert, Faye Sawyer Stynchula, and Sam Sawyer, to

collectively retain 36.9 percent of the outstanding shares of

American City Bancorp, Inc., Tullahoma, Tennessee.

Newspaper –07/01/2000*

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

COM Cumberland Bancorp, Inc., Nashville, Tennessee, 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.

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

704737 Bank of St. Petersburg

777 Pasadena Avenue South

St. Petersburg, Florida 33707

(813) 347-3132

02/07/2000 05/29/2000 S X

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, June 3, 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) Northwest Financial Corporation, Spencer, Iowa, for prior

approval to acquire at least 98.49 percent of Marquette Bank

Oelwein, N.A., Oelwein, Iowa.*

Fed Reg – 06/23/2000

Newspaper – N/Avail

3(a)(3) Mahaska Investment Company ESOP, Oskaloosa, Iowa,

proposes to acquire an additional 2.29 percent of Mahaska

Investment Company. The shares are being obtain through the

merger of Midwest Bancshares, Inc. ESOP, Burlington, Iowa.

ESOP's aggregate ownership will be 13.87 percent.*

Fed Reg – 06/29/2000

Newspaper – N/Avail

3(a)(3) Antioch Holding Company, Antioch, Illinois, for prior approval

to acquire up to 24.99 percent of the voting shares of Lakes

Region Bancorporation, Inc., Third Lake, Illinois.*

Fed Reg – 06/12/2000

Newspaper – 06/12/2000

4(c)(8) First Community Bancshares, Inc., Bargersville, Indiana, for

prior approval to acquire 100 percent of the voting shares of

Blue River Federal Savings Bank, Edinburgh, Indiana.

Fed Reg – 06/29/2000

Newspaper – N/Avail

3(a)(3) Capitol Bancorp, Ltd., Lansing, Michigan, for prior approval to

acquire 51 percent of the voting shares of Arrowhead

Community Bank (in organization), Glendale, Arizona.*

Fed Reg – 06/16/2000

Newspaper – 06/24/2000

3(a)(3) Sun Community Bancorp, Limited, Phoenix, Arizona, for prior

approval to acquire 51 percent of the voting shares of

Arrowhead Community Bank (in organization), Glendale,

Arizona.*

Fed Reg – 06/16/2000

Newspaper – 06/24/2000

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

Type Application

Ending date of

comment period

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

636043 Fifth Third Bank of Indiana

(f/k/a Civitas Bank)

20 NW 3rd Street

Evansville, Indiana 47739-0001

(812) 456-3400

08/09/1999 06/01/2000 S X
Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, June 3, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Notice by First Arvest Bank, Siloam Springs, Arkansas, to

merge with Delaware County Bank, Jay, Oklahoma.*

6/30/2000

* 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)(1) Companion notices by Arvest Bank Group, Inc., Bentonville,

Arkansas, and its subsidiary bank holding company, First

Bancshares, Inc., Bartlesville, Oklahoma, to retain their existing

ownership in the successor to the conversion of State Bank &

Trust, Tulsa, Oklahoma, from a federal stock savings bank to a

state chartered commercial bank which will be renamed Arvest

State Bank.*

Newspaper – 6/16/2000

Fed Reg – 6/19/2000

3(a)(3) Notice by Arvest Bank Group, Inc., Bentonville, Arkansas, to

retain the successor to the conversion of Arvest Bank, Joplin,

Missouri, from a federal stock savings bank to a state chartered

commercial bank.*

Newspaper – 7/3/2000

Fed Reg – 7/3/2000

* 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, June 3, 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 Walter G. Fries, trustee of the Cobb Voting Trust, to acquire

control of Financial Services of St. Croix Falls, Inc., St. Croix

Falls, Wisconsin.

Fed Reg-06/22/2000

3(a)(3) First Interstate BancSystem, Inc., Billings, Montana, for prior

approval to acquire 100% of the voting shares of Equality

Bankshares, Inc., Cheyenne, Wyoming.*

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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, June 3, 2000

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch F&M Bank and Trust Company, Tulsa, Oklahoma, for prior

approval to establish a branch at 11321 East 21st Street, Tulsa,

Oklahoma.

Newspaper – 06/03/2000

Branch/18(c) BancFirst Corporation, Oklahoma City, Oklahoma, for prior

approval to acquire 100 percent and merge with First Southwest

Bank, Frederick OK, and thereby, establish a branch at 200 S.W.

Main Street, Frederick, Oklahoma.

Newspaper – 07/02/2000

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

Type Application

Ending date of

comment period

3(a)(5) BancFirst Corporation, Oklahoma City, Oklahoma, for prior

approval to merge with First Southwest Corporation, Frederick,

Oklahoma, and thereby indirectly acquire First Southwest Bank,

Frederick, Oklahoma.

Newspaper – 07/02/2000

FedReg – 06/30/2000

CIC William P. Johnson, Boulder, Colorado, for prior approval to

acquire 27.07 percent of the voting shares of FirstBank Holding

Company of Colorado, Lakewood, Colorado, and thereby

indirectly acquire its 27 subsidiary banks.

Newspaper – N/Available

FedReg – 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

83450 Eaton Bank

Eaton, Colorado

03/13/2000 06/01/2000 S X

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, June 3, 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

S/R Notice by SNB Bancshares, Inc., Sugar Land, TX, to repurchase

725,000 shares of its common stock

Member Plaza Bank, N.A., San Antonio, TX, to become a member of the

Federal Reserve System
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, June 3, 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) American River Holdings, Sacramento, California, to acquire

North Coast Bank, N.A., Santa Rosa, California. *

Newspaper - 07/06/2000

Fed Reg - 07/03/2000

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

S/R Farmers and Merchants Bank of Long Beach, Long Beach,

California, to repurchase up to $50 million of its common stock.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None