ANNOUNCEMENT 

BOARD OF GOVERNORS 

OF THE 

FEDERAL RESERVE SYSTEM 

B.2, 1996, No. 52 

Actions of th.-Board, its Staff, and 

the Federal Reserve Banks; 

Applications and Reports Received 

During the Week Ending December 28, 1996 

ACTIONS TAKEN IY THE BOARD OF GOVERNORS 

APVISORY COUNCILS 

Thrift Institutions Advisory Council -- d.signation 

of David F. Holland as President, and Charles R. 

Rinehart as Vice Pr.sident and appoint.ent of seven 

naw .a.b.rs. 

~ounc.d, Dac••ber 27, 1996 . 

..£NFQBCPCINT 

BT Securities Corporation, New York, New York, a 

nonbank subsidiary of Bankers Trust New York 

Corporation -- order of prohibition against Nir 

~antor, a foraer officer and institution-affiliated 

party of BT Securities. 

Announced, Dece.ber 23, 1996. 

Bank Holding Co.pany Reporting Require.ents eFR Y-9C, 

FR Y-9LP, FR Y-9SP, FR Y-11Q, and FR Y-11I) -­

. revision without extension. 

Propos.d, Dece.ber 23, 1996. 

Quart.rly Report of Assets and Liabilities of Large 

Foreign Offices of U.S. Banks eFR 2502q) 

axtension with revision. 

Proposed, Dece.ber 23, 1996. 

Weekly aaport of Eurodollar Liabilities Held by 

Select.d U.S. Addressees at Foreign Offices of U,S. 

Banks eFR 2050) -- extension with revision. 

Proposed, Dece.ber 23, 1996. 

INTERNATIONAL OPERATIONS 

Chas. Manhattan International Finance, New York, New 

York -- to .ake an investment in Chase Manhattan 

(UK) Holdings Liaited, London, England. 

Per.itted, Dece.ber 28, ,1996. ­
H.2 

DECEMBER 22, 1996 TO DECEMBER 27, 1996 

PAGE 2 

ACTIONS TAKEN BY THE BOARD OF GOVERNORS 

REGULATIONS AND POLICIES 

Community development investments by banking 

organizations -- annual updated directory. 

Announced, December 23, 1996. 

Regulation D -- final rule to siaplify and update the 

regulation and reduce regulatory burden (Docket R0929). 

Approved, Dece.ber 23, 1996. 

Regulation D -- request for coament on proposal to 

clarify the definition of savings deposit and 

transaction account (Docket R-0956). 

Approved, December 23, 1996. 

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
 

UNDER DELEGATED AUTHORITY
 

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

Co.munity Affairs; FOMC - Federal Open Market Committee; FRBO - Federal Reserve 

Bank Operations; IF - International Finance; OSDM - Office of Staff Director 

for Management 

BANK BRANCHES, DOMESTIC 

San Francisco Bank of America, Las Vegas, Nevada -- to establish a 

branch at 3597 West Plumb Lane, Reno, Nevada. 

Approved, December 26, 1996. 

New York Bank of New York, New York, New York -- to establish 

a branch at the Edward's Super Food Store at 3083 

Jericho Turnpike, Northport, New York. 

Approved, Dece.ber 22, 1996. 

Kansas City Citizens Bank of Edmond, Edmond, Oklahoma -- to 

establish a branch at 100 North University Drive. 

Approved, December 23, 1996. 

Richmond F & M Bank-Martinsburg, Martinsburg, West Virginia -­

to establish a branch at 704 Foxcroft Avenue North. 

Approved, December 23, 1996. 

Chicago Isabella Bank and Trust, Mt. Pleasant, Michigan -- to 

establish a branch at 1'25 North McEwen Street, 

Clare, Ml~higan.

Approved, r~cember 27, 1996. 
H.2 

DECEMBER 22, 1996 TO DECEMBER 27, 1996 

PAGE 3 

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS 

UNDER DELEGATED AUTHORITY 

BANK BRANCHES, DOMESTIC 

Kansas City Western Bank of Cody, Cody, Wyoming -- to establish a 

branch at 627 Yellowstone Avenue. 

Approved, December 27, 1996. 

BANK HOLDING COMPANIES 

St. Louis Bedford Loan and Deposit Bancorp, Inc., Bedford, 

Kentucky -- to acquire Bedford Loan and Deposit 

Bank. 

Approved, December 27, 1996. 

Dallas Brazos Merger Corporation, Joshua, Texas -- request 

for waiver of application to acquire Brazos 

Bancshares, Inc. 

Granted, December 26, 1996. 

Richmond Carolina Financial Corporation, Charleston, South 

Carolina -- to acquire Community FirstBank of 

Charleston. 

Approved, December 23, 1996. 

Dallas Central Texas Bankshares Holdings, Inc., Columbus, 

Texas -- to acquire Hill Bancshares Holdings, Inc., 

Weimar, Texasj Hill Bancshares, Inc., Wilmington, 

Delawarej and Hill Bank & Trust Company, Weimar, 

Texas. 

Approved, December 26, 1996. 

Richaond City Holding Company, Charleston, West Virginia -- to 

acquire certain assets and assume certain 

liabilities of Prime Financial Corporation, Costa 

Mesa, California. 

Approved, December 27, 1996. 

Dallas Coastal Holdings Group, Inc., Carson City, Nevada 

request for waiver of application to acquire 

Pearland State Bank, Pearland, Texas. 

Granted, December 26, 1996. 

Cleveland CoBancorp, Inc., Elyria, Ohio -- to acquire Jefferson 

Savings Bank, West Jefferson, Ohio, and engage in 

permissible savings association activities. 

Permitted, December 26, 1996. 
--- ---- -----------------------------------

H.2 

DECEMBER 22, 1996 TO DECEMBER 27, 1996 

PAGE 4 

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS 

UNDER DELEGATED AUTHORITY 

BANK HOLDING COMPANIES 

Dallas Colorado County Investment Holdings, Inc., 

Wilmington, Delaware -- to acquire Hill Bancshares 

Holdings, Inc, Weimar, Texas; Hill Bancshares, 

Inc., Wilmington, Delaware; and Hill Bank & Trust 

Company, Weimar, Texas. 

Approved, December 26, 1996. 

St. Louis Community State Bancshares, Inc., Shelbina, 

Missouri -- to acquire Community State Bank. 

Approved, December 26, 1996. 

Atlanta East Coast Bank Corporation Employee Stock Ownership 

Plan Trust, Ormond Beach, Florida -- to acquire 

shares of East Coast Bank Corporation. 

Approved, December 27, 1996. 

Atlanta First Georgia Community Corp., Jackson, Georgia -- to 

acquire First Georgia Community Bank. 

Approved, December 24, 1996. 

Dallas First National Bank Group, Inc., Edinburg," Texas -­

to acquire an interest in the Texas State Life 

Insurance Company, in McAllen, Texas, and engage in 

the sale of credit life insurance. 

Permitted, December 24, 1996. 

Atlanta FNB Bancorp, Inc., Douglas, Georgia waiver of a 

certain commitment. 

Granted, December 27, 1996. 

Philadelphia Fulton Financial Corporation, Lancaster, Pennsylvania 

-- to engage in community development activities. 

Permitted, December 26, 1996. 

Dallas G.	 C. Holdings Group, Inc., Carson City, Nevada -­

request for waiver of application to acquire First 

National Bank of Alvin, Alvin, Texas. 

Granted, December 26, 1996. 

San Francisco Great Basin Financial Corporation, Elko, Nevada -- to 

acquire Great Basin Bank of Nevada. 

Approved, December 24, 1996. 
H.2 

DECEMBER 22, 1996 TO DECEMBER 27, 1996 

PAGE 5 

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS 

UNDER DELEGATED AUTHORITY 

BANK HOLDING COMPANIES 

Chicago Heartland Financial USA, Inc., Dubuque, Iowa -­

to acquire ULTEA, Madison, Wisconsin, and engage in 

leasing activities. 

Permitted, December 23, 1996. 

Dallas Hickory Hill Bancshares, Inc., Avinger, Texas -- to 

acquire Hickory Hill Delaware Financial 

Corporation, Dover, Delaware; and The First State 

Bank .• Avinger, Texas. 

Approved, December 27, 1996. 

Dallas Hickory Hill Delaware Financial Corporation, Dover, 

Delaware -- to acquire The First State Bank, 

Avinger, Texas. 

Approved, December 27, 1996. 

GC Household International, Inc., Prospect Heights, 

Illinois, and its subsidiary credit card bank -­

request for an exemption from section 106 of the 

Bank Holding Company Act Amendments of 1970 in 

order to offer a secured credit card. 

Granted, December 27, 1996. 

Dallas Merchants Bancshares, Inc., Houston, Texas, and Gulf 

Southwest Nevada Bancorp, Inc. -- to acquire Funds 

Management Group, Inc., Houston, Texas, and act as 

an investment advisor and securities broker. 

Permitted, December 24, 1996. 

Chicago Metrocorp, Inc., East Moline, Illinois -- to acquire 

Metrobank-Illinois National Association. 

Approved, December 23, 1996. 

st. Louis National Commerce Bancorporation, Memphis, 

Tennessee -- to engage in leasing activities 

through acquisition of J & S Leasing, Inc., 

Knoxville, Tennessee. 

Permitted, December 24, 1996. 

Minneapolis otto Bremer Foundation, St. Paul, Minnesota, and 

Bremer Financial Corporation -- to acquire First 

American Bank, N.A., Moorhead, Minnesota. 

Approved, December 27, 1996. 
H.2 

DECEMBER 22, 1996 TO DECEMBER 27, 1996 

PAGE 6 

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS 

UNDER DELEGATED AUTHORITY 

BANK HOLDING COMPANIES 

Dallas SW&IM Holdings, LLC, Del Rio, Texas -- to acquire 

additional shares of SW&IM Limited Partnership, Del 

Rio, Texas; Westex Bancorp, Inc., Del Rio, Texas; 

Westex Bancorp of Delaware, Inc., Wilmington, 

Delaware; Del Rio Bank & Trust Co.pany, Del Rio, 

Texas; First State Bank, Brackettville, Texas; and 

Sutton City National Bank, Sonora, Texas. 

Approved, December 27, 1996. 

Dallas SW&IM Holdings, LLD, Del Rio, Texas -- to become a 

bank holding company with respect to SW&IM Limited 

Partnership, Del Rio, Texas; Westex Bancorp, Inc., 

Del Rio, Texas; Westex Bancorp of Delaware, Inc., 

Wilmington, Delaware; Del Rio Bank & Trust Company, 

Del Rio, Texas, First State Bank, Brackettville, 

Texas, and Sutton City National Bank, Sonora, 

Texas. 

Approved, December 27, 1996. 

Dallas SW&IM Limited Partnership, Del Rio, Texas -- to 

beco.e a bank holding company with respect to 

Westex Bancorp, Inc., Del Rio, Texas; Westex 

Bancorp of Delaware, Inc., Wilmington, Delaware; 

Del Rio Bank & Trust Company, Del Rio, Texas; First 

State Bank, Brackettville, Texas; and Sutton City 

National Bank, Sonora, Texas. 

Approved, December 27, 1996. 

Dallas SW&IM Limited Partnership, Del Rio, Texas -- to 

acquire additional shares of Westex Bancorp, Inc., 

Del Rio, Texas; Westex Bancorp of Delaware, Inc., 

Wilmington, Delaware; Del Rio Bank & Trust Company, 

Del Rio, Texas; First State Bank, Brackettville, 

Texas; and Sutton City National Bank, Sonora, 

Texas. 

Approved, December 27, 1996. 

---~--------------------------------------
H.2 

DECEMBER 22, 1996 TO DECEMBER 27, 1996 

PAGE 7 

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS 

UNDER DELEGATED AUTHORITV 

BANKS. STATE MEMBER 

St. Louis Bank of Bentonville, Bentonville, Arkansas -- payment 

of a dividend. 

Approved, December 24, 1996. 

CAPITAL STOCK 

Kansas City Humboldt Bancshares, inc., Humboldt, Kansas -­

redemption of shares. 

Approved, December 23, 1996. 

CHANGE IN	 BANK CONTROL 

Kansas City Central State Bancshares} Inc., Nevada, Missouri -­

change in bank control. 

Permitted, December 24, 1996. 

Richmond First Liberty Bancorp, Inc., Washington, D.C. -­

change in bank control. 

Permitted, December 24, 1996. 

Dallas SW&KM Limited Partnership, Del Rio, Texas -- change 

in bank control. 

Permitted, December 27, 1996. 

Dallas Throckmorton Bancshares, inc., Throckmorton, Texas -­

change in bank control. 

Permitted, December 26, 1996. 

Kansas City Valentine Bancorporation, Valencia, Nebraska 

change in bank control. 

Permitted, December 23, 1996. 

COMPETITIVE FACTORS REPORTS 

Kansas City American National Bank of Sarpy County, Papillion, 

Nebraska, proposed acquisition of the assets and 

assumption of the liabilities of the Plattsmouth 

branch of American National Bank, Nebraska City, 

Nebraska -- report on competitive factors. 

Submitted, December 27, 1996. 
H.2 

DECEMBER 22, 1996 TO DECEMBER 27, 1996 

PAGE 8 

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE SANKS 

UNDER DELEGATED AUTHORITY 

COMPETITIVE FACTORS REPORTS
 

San Francisco Antelope Valley Bank, Lancaster, Pennsylvania, 

proposed purchase of certain assets and assumption 

of certain liabilities of the Rosamund, Frazier 

Park, and Wrightwood, branches of Wells Fargo Bank, 

N.A., San Francisco, California -- report on 

competitive factors. 

Submitted, December 27, 1996. 

Kansas City Five Points Bank, Grand Island, Nebraska, proposed 

merger with Hometown Interim Bank, Grand Island, 

Nebraska -- report on competitive factors. 

Submitted, December 26, 1996. 

Chicago Metrobank-Illinois National Association, East Moline, 

proposed purchase of certain assets and assumption 

of certain liabilities of Metrobank, National 

Association -- report on competitive factors. 

Submitted, December 23, 1996. 

Chicago Regency Savings Bank, FSB, Naperville, Illinois -­

proposed acquisition of certain assets and 

assumption of certain liabilities of Dean Witter 

Trust, FSB, Jersey City, New Jersey -- report on 

competitive factors. 

Submitted, December 23, 1996. 

Cleveland Star Bank, N.A., Cincinnati, Ohio, proposed purchase 

of certain assets and assumption of certain 

liabilities of A.eriFirst Bank, N.A., Xenia, Ohio 

- report on competitive factors. 

Submitted, December 23, 1996. 

Chicago Western Bank & Trust, Moville, Iowa, proposed merger 

with Farmers Savings Bank, Pierson, Iowa -- report 

on competitive factors. 

Submitted, December 27, 1996. 

­
H.2 

DECEMBER 22, 1996 TO DECEMBER 27, 1996 

PAGE 9 

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS 

UNDER DELEGATED AUTHORITY 

EXTENSIONS OF TIME 

Dallas First International Bancshares, Inc., Corpus Christi, 

Texas; and Delaware International Bancshares, Inc., 

Dover, Delaware -­ extension to March 12, 1997, to 

acquire The International Bank. 

Granted, December 24, 1996. 

Boston State Street Boston Corporation, Boston, 

Massachusetts -­ extension to engage in securities 

brokerage activities through Boston Financial Data 

Services, Inc., Quincy, Massachusetts, and National 

Financial Data Services, Inc., Kansas City, 

Missouri. 

Granted, December 23, 1996. 

San Francisco U.S. Bancorp, Portland~ Oregon -­ extension to divest 

certain property. 

Granted, December 24, 1996. 

RESERVE BANK OPERATIONS 

Director, FRBO Federal Reserve Bank of Atlanta -­ to purchase check 

image equipment and software. 

Approved, December 23, 1996. 

Director, FRBO Federal Reserve Banks of Chicago, Atlanta, and 

Philadelphia -­ to purchase check i.age equipment 

and software. 

Approved, December 23, 1996. 
M.2 ADDITIONS AND CORRECTIONS 

DECEMBER 22, 1996 TO DECEMBER 27, 1996 

PAGE 10 

ACTIONS TAKEN BY THE BOARD OF GOVERNORS 

BOARD OPERATIONS 

Application for Employment with the Board of 

Governors of the Federal Reserve System (FR 28) -­

extension with revision. 

Approved, December 17, 1996. 

INTERNATIONAL OPERATIONS 

Bank of New York, New York, New York -- to establish 

a branch in Shanghai, People's Republic of China. 

Permitted, December 20, 1996. 

ADDITIONS AND CORRECTIONS 

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS 

UNDER DELEGATED AUTHORITY 

BANK HOLDING COMPANIES 

Chicago Panhandle Aviation, Inc., Clarinda, Iowa -- to 

acquire National Bank of Iowa, Denison, Iowa. 

Approved, December 18, 1996. 

INTERNATIONAL OPERATIONS 

Secretary National City Bank, Cleveland, Ohio, and National 

City bank of Indiana, Indianapolis, Indiana -- to 

establish branches in Grand Cayman, British West 

Indies. 

Approved, December 20, 1996. 
FEDERAL RESERVE BANK OF BOSTON APPLICATIONS
 

SECTION I - APPLICATIONS SUBJECT TO
 

NEWSPAPER NOTICE ONLY
 

Application Comment Period Ending Date 

NONE
 

SECTION II - APPLICATIONS SUBJECT TO BOTH
 

NEWSPAPER AND FEDERAL REGISTER NOTICE
 

Application 

Granite State Bankshares, 

Inc., Keene, New Hampshire 

(Bankshares) - notice of 

Change in Control by 

Granite State Bankshares, 

Inc. Employee Stock 

Ownership Plan to acquire 

0.57% of Bankshares and 

thereby own 10.38% 

Comment Period Ending Date
 

Newspaper Not Yet Established 

Federal Register 01-27-97 

SECTION III - APPLICATIONS SUBJECT TO 

FEDERAL REGISTER NOTICE ONLY
 

Application Comment Period Ending Date


NONE
 

SECTION IV - APPLICATIONS NOT SUBJECT TO 

FEDERAL REGISTER OR NEWSPAPER NOTICE 

Application 

NONE 

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS 

Institution Examination Date Rating** 

NONE 

*Subject to CRA. 

**Rating Definitions: "0" - Outstanding; "S" - Satisfactory; "N" - Needs to 

Improve; "SN" - Substantial Noncompliance. 
FEDERAL RESERVE BANK OF NEW YORK 

Comment Period 

Ending Date 

SECTION I 

Applications Subject to Newspaper 

Notice Only 

None. 

SECTION II 

Applications Subject to Both 

Newspaper and Federal Register Notice 

None. 

SECTION III 

Nonbanking Applications 

(subject to Federal Register Notice Only) 

None. 

SECTION IV 

Applications Not Involving 

Public Comment 

None. 

SECTION V 

Availability of CRA Public Evaluations 

In connection with the assessment of each insured depository institution's 

eRA performance, a rating is assigned from the following group: 

Outstanding record of meeting community credit needs. 

An institution in this group has an outstanding record of, and
 

is a leader in, 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 ofits 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 10w- and moderate- income 

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

Week Ending December 28.1996 

NAME OF BANK RATING EXAMINATION DATE 

Bank of Smithtown Satisfactory August 5, 1996 

One Main Street 

Smithtown, NY 11787 

11 Subject to provisions of Community Reinvestment Act.
 

2/ Later of dates specified in newspaper and Federal Register notices.
 

Jj Date specified in newspaper notice; a later date may be specified in
 

the Federal Register notice. 

1/ Date specified in Federal Register notice; a later date may be 

specified in the newspaper notice. 

N/A - Not Available 
FEDERAL RESERVE BANK OF PHILADELPHIA
 

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPER
 

NOTICE ONLY
 

Dauphin Deposit Corporation, Harrisburg, PA to establish the Rossmoyne branch office 

located at Ritter Road, Mechanicsburg, Cumberland Co, PA, pursuant to Section 9 of the 

Federal Reserve Act. 

Newspaper comment period expires: 01/23/97 

SECTION n - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEWSPAPER 

AND FEDERAL REGISTER NOTICE 

Fulton Financial Corporation, Lancaster, PA to acquire 100 percent of The Woodstown 

National Bank & Trust Company, Woodstown, NJ, pursuant to Section 3(a)(3) of the Bank 

Holding Company Act. 

Newspaper comment period expires: 01/17/97 

Federal Register comment period expires: 01/21/97 

SECTION In - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL
 

REGISTER NOTICE ONLY
 

NONE
 

SECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERAL
 

REGISTER NOTICE OR NEWSPAPER
 

Keystone Financial, Inc., Harrisburg, PA, requests a Determination of Application 

Requirement relating to its proposed acquisition of First Financial Corp and its subsidiary, 

First Federal Saving Bank of Western Maryland, both of Cumberland, MD. 
FEDERAL RESERVE BANK OF PHILADELPHIA
 

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS 

The following institutions were examined for CRA. The 30-business day period the bank: has to make
 

the evaluation public has lapsed during the week ending December 27, 1996.
 

Identification of Ratings
 

In connection with the assessment ofeach 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, and is a leader in, 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 ofits entire delineated community, including low- and moderate-income neighborhoods,
 

in a manner consistent with its resources and capabilities.
 

BankILocation Examination Date CRA Rating 

NONE NONE NONE 
APPLICATIONS BULLETIN
 

(For the week ending December 28, 1996)
 

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY 

NONE 

SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL 

REGISTER NOTICE 

NONE 

SECTION ill - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY 

NONE 

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE 

OR NEWSPAPER NOTICE 

NONE 

* - Subject to CRA 

N - Newspaper Comment Period 

F - Federal Register Comment Period 

# - Expected to End 30 Days from Date of Receipt 
AVAILABILITY OF CRA PUBLIC EVALUATIONS 

(December 27, 1996) 

The following state member banks have been examined by the Federal Reserve Bank of 

Cleveland for compliance with The Community Reinvestment Act. A public evaluation document 

became available from the bank(s) listed below during the week ended December 27, 1996. If 

you are interested in obtaining a copy of an evaluation document, please contact the bank(s) 

directly. 

There are four descriptive ratings for CRA: 

OUTSTANDING: a bank in this group has an outstanding record of, and is a leader in, 

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: a bank in this group has a satisfactory record of ascertaining and 

help ing 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: a bank 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 NON COMPLIANCE: a bank 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. 

NONE 
Federal Reserve Bank of Richmond
 

Section I - Applications Subject to Newspaper
 

Notice Only
 

Application Comment Period Ending Date 

None. 

Section II - Applications Subject to Both
 

Newspaper and Federal Register Notice
 

Application Comment Period Ending Date 

None. 

Section III - Applications Subject to Federal Register Notice 

Application Comment Period Ending Date
 

Signet Banking Corporation, Richmond,
 

Virginia, to engage novo in data
 

processing, management consulting,
 

and related incidental activities
 

through a joint venture. Not yet available.
 

Section IV - Application Not Subject to 

tedera1 Register Notice or Newspaper Notice 

Am>lication 

F&M Bank - Allegiance, Inc., Bethesda, 

Maryland, for membership in the Federal 

Reserve System. 
Federal Reserve Bank of Richmond 

Section V - Availability of eRA Public EvaluatiQns 

Week ending December 27, 1996 

DefinitiQn of Ratings 

Outstanding recQrd of meeting community credit needs. 

An institution in this group has an Qutstanding record Qf, and is a leader in, 

ascertaining and helping tQ meet the credit needs Qf its entire delineated 

cQmmunity, including low- and mQderate-income neighbQrhoQds, in a manner consistent with its resources and capabilities. 

SatisfactQry record of meeting cQmmunity credit needs. 

An institution in this grQup has a satisfactory recQrd of ascertaining and 

helping to meet the credit needs of its entire delineated cQmmunity, 

including lQw- and mQderate-income neighborhQods, in a manner consistent 

with its resources and capabilities. 

Needs to imprQve recQrd of meeting cQmmunity credit needs. 

An institutiQn in this grQup needs tQ imprQve its Qverall record of ascertaining and helping tQ meet the credit needs Qf its entire delineated 

cQmmunity, including lQW- and moderate-income neighborhoQds, in a manner 

cQnsistent with its reSQurces and capabilities. 

Substantial noncompliance in meeting community credit needs. 

An institution in this grQup has a substantially deficient record Qf ascertaining and helping to meet the credit needs Qf its entire delineated cQmmunity, 

including lQw- and mQderate-incQme neighborhoods, in a manner cQnsistent with 

its resources and capabilities. 

Examination 

Date Rating 

Bank of Greenville 

Main Street 

Greenville, West Virginia 24945 9-23-96 SatisfactQry 
Federal Reserve Bank of Atlanta 

Applications Bulletin for Week Ending December 27, 1996 

Section 1 - Applications Subject to Newspaper Notice Only 

Aprlication 

SunTru~~ Bank, Atlanta 

Atlanta, Georgia 

To Lst~blish a branch located

Comment Period Ending Date 

at 5950 Jimmy Carter Boulevard, Norcross, Georgia. 

01-07-97* 

SunTrust Bank, Atlanta 01-23-97* 

Atlanr~, Georgia 

To eS~~0lish a branch located at 2698 Buford Highway, Duluth, Georgia, to be known 

as the Duluth Station Branch. 

SunTrust Bank, Atlanta 01-23-97* 

AtlanLa, Georgia 

To establish a branch located at 108 Pavillion Parkway, Fayetteville, Georgia, to 

be k~~'~ as the Fayette Pavillion Branch. 

SunTrc~t Bank, Atlanta 01-23-97* 

Atlanr.a, Georgia 

To estdblish a branch located at 7535 Highway 85, Riverdale, Georgia, to be known 

as the Riverdale Crossing Branch. 

Sun'lrust Bank, Atlanta 01-23-97* 

Atlanca, Georgia 

To establish a branch located at 7899 Tara Boulevard, Jonesboro, Georgia, to be 

known ~s Jonesboro Corners Branch. 

SunTrust Bank, Atlanta 01-23-97* 

Atlanta, Georgia 

To establish a branch located at 2035 Mount Zion Road, Morrow, Georgia, to be 

known at the Mount Zion Branch. 

SunTrust Bank, Atlanta 01-23-97* 

Atlanta, Georgia 

To establish a branch located at 3316 Highway 5, Douglasville, Georgia, to be 

known as the Cosby Station Branch. 

SunTrust Bank, Atlanta 01-23-97* 

Atlanta, Georgia 

To establish a branch located at 2900 Peachtree Road, NE, Atlanta, Georgia, to be 

known as The Peach Branch. 

SunTrust Bank, Atlanta 01-23-97* 

Atlanta, Georgia 

To establish a branch located at 4403 Townlake Parkway, Townlake, Georgia, to be 

known as Rose Creek Branch. 

SunTrust Bank, Atlanta 01-23-97* 

Atlanta, Georgia 

To establish a branch located at 2173 Hamilton Mill Parkway, Dacula, Georgia, to 

be known as the Hamilton Mill Branch. 

*Subject to provisions of the Community Reinvestment Act. 
Federal Reserve Bank of Atlanta 

Applications Bulletin for week Ending December 27, 1996 

Section 1 - Applications Subject to Newspaper Notice Only 

AQplication Comment Period Ending Date 

SunTrust Bank, Atlanta 01-23-97* 

Atlanta, Georgia 

To establish a branch located at 1910 Highway 20, SE, Conyers, Georgia, to be 

known as the Rockdale Square Branch. 

SunTrust Bank, Atlanta 01-23-97* 

Atlanta, Georgia 

To establish a branch located at 4422 Hugh Howell Road, Tucker, Georgia, to be 

known as the Hugh Howell Branch. 

SunTrust Bank, Atlanta 01-23-97* 

Atlanta, Georgia 

To establish a branch located at 6131 S. Norcross-Tucker Road, Norcross, Georgia, 

to be known as the Norcross Tucker Branch. 

SunTrust Bank, Atlanta 01-23-97* 

Atlanta, Georgia 

To establish a branch located at 2455 cumberland Parkway, Atlanta, Georgia, to be 

known as Paces Ferry Center Branch. 

SunTrust Bank, Atlanta 01-23-97* 

Atlanta, Georgia 

To establish a branch located at 1544 Piedmont Road, Atlanta, Georgia, to be known 

as the Ansley Mall Branch. 

SunTrust Bank, Atlanta 01-23-97* 

Atlanta, Georgia 

To establish a branch located at 50 Barret Parkway, Marietta, Georgia, to be known 

as the Town Center Prado Branch. 

SunTrust Bank, Atlanta 01-23-97* 

Atlanta, Georgia 

To establish a branch located at 6300 Powers Ferry Road, Atlanta, Georgia, to be 

known as Powers Ferry Village Branch. 

SunTrust Bank, Atlanta 01-23-97* 

Atlanta, Georgia 

To establish a branch located at 4430 Wade Green Road, Kennesaw, Georgia, to be 

known as Wade Green Village Branch. 

SunTrust Bank, Atlanta 01-23-97* 

Atlanta, Georgia 

To establish a branch located at 11585 Jones Bridge Road, Alpharetta, Georgia, to 

be known as Addotts Village Branch. 

*Subject to provisions of the Community Reinvestment Act. 
Federal Reserve Bank of Atlanta 

Applications Bulletin for Week Ending December 27, 1996 

Section 2 - Applications Subject to Both
 

Newspaper and Federal Register Notice
 

Application Comment Period Ending Date 

Southern Security Financial Corporation Not yet available* 

Hollywood, Florida 

1-BHC formation, Southern Security Bank Corporation, Hollywood, Florida. 

Section 3 - Applications Subject to Federal Register Only 

Application Comment Period Ending Date 

None. 

Section 4 - Applications Not Subject to 

Federal Register Notice or Newspaper Notice 

Application 

None. 

*Subject to provisions of the Community Reinvestment Act. 
Federal Reserve Bank of Atlanta
 

Applications Bulletin for Week Ending December 27. 1996
 

Section 10 - Availability of CRA Public Evaluations
 

The CRA public evaluations of the insured depository institutions listed below 

became available during this week. Information about an institution's CRA 

evaluation may be obtained directly from the institution. In connection with the 

assessment of an institution's CRA performance, a rating is assigned from the 

following groups: 

Outstanding record of meeting community credit needs: An institution has an 

outstanding record of, and is a leader in, ascertaining and helping to meet the 

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

Satisfactory record of meeting community credit needs: An institution 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 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 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. 

Examination 

CRA Rating 

First Commercial Bank Satisfactory 09-16-96 

of Cullman County 

101 First Avenue, NW 

Good Hope, Alabama 35055 

(205)737-9900 

Admiralty Bank 

4400 PGA Boulevard 

Suite 200 

Palm Beach Gardens, FL 33410 

(407)627-2700 

Satisfactory 09-16-96 
Federal Reserve Bank of Atlanta
 

Applications Bulletin for Week Ending December 27. 1996
 

Recently Approved Applications Approval Date 

East Coast Bank Corporation Employee 12-27-96 

Stock Ownership Plan Trust 

Dade City, Florida 

1-BHC formation, 40 percent of East Coast Bank Corporation, Ormond Beach, Florida. 

First Georgia Community Corp. 12-24-96 

Jackson, Georgia 

1-BHC formation, First Georgia Community Bank, Jackson, Georgia (in organization). 

FNC Bancorp, Inc. 12-27-96 

Douglas, Georgia 

Commitment waiver request. 
Federal Reserve Bank of Chicago 

Section I - Applications Subject to Newspaper 

Notice Only 

Comment 

Period 

Application Ending Date 

3(a)(l) Notice Lakeland Financial Corporation NP - 12-31-96 

Round Lake Heights, Illinois 

Lakeland Community Bank: 

Round Lake Heights, Illinois 

Branch First Bank: & Trust of Evanston NP - 1-13-97 

Evanston, Illinois 

2925· Central Street 

Evanston, Illinois 

Branch First American Bank: NP - 1-13-97 

Carpenterville, Illinois 

Northeast Corner of Randall Road and Gleneagle Drive 

Geneva, Illinois 

Branch F&M Bank: Portage County NP - 12-31-96 

Park Ridge, Wisconsin
 

128 Highway 10 East
 

Amherst, Wisconsin
 

BHC-OT ABN AMRO Bank:, N.V. NP - 12-24-96 

Amsterdam, The Netherlands
 

representative office in
 

Minneapolis, Minnesota
 

NP - Newspaper 

FR - Federal Register 

* - Subject to Provisions of Community Reinvestment Act 

** - Not available at this time 
Federal Reserve Bank of Chicago
 

Section I - Applications Subject to Newspaper
 

Notice Only-cont'd
 

Comment 

Period 

Application Ending Date 

Merger & Branch Pullman Bank and Trust Company NP - ** 

Chicago, Illinois 

Pullman Bank of Commerce & Industry 

Chicago, Illinois 

Branch at 6100 N. Northwest Highway 

Chicago, Illinois 

Member Michigan Heritage Bank NP - ** 

Novi, Michigan (in organization) 

To become a member of the Federal Reserve System 

NP - Newspaper 

FR - Federal Register 

* - Subject to Provisions of Community Reinvestment Act 

** - Not available at this time 
Federal Reserve Bank of Chicago 

Section II - Applications Subject to Both Newspaper and Federal 

Register Notice Cont'd 

Comment 

Period 

Application Ending Date 

3(a)(l) AmeriMark Financial Corporation. * FR - 12-20-96 

Oak Brook, Illinois NP - 1-12-97 

Duco Bancshares, Inc. 

Villa Park, Illinois 

Bank of Illinois in DuPage 

Villa Park, Illinois 

3(a)(l) River Cities Bancshares, Inc. * FR - 01-03-97 

Wisconsin Rapids, Wisconsin NP - 12-26-96 

River Cities Bank (in organization) 

Wisconsin Rapids, Wisconsin 

3(a)(3) Security National Corporation* FR - 01-6-97 

Sioux City, Iowa NP - ** 

Security National Bank of South Dakota (in organization) 

Dakota Dunes, South Dakota 

3(a)(3) Heartland Financial USA, Inc. * FR - 01-15-97 

Dubuque, Iowa NP - ** 

Cottage Grove State Bank 

Cottage Grove, Wisconsin 

3(a)(l) Vermilion Bancorp, Inc. * FR - 1-24-97 

Danville, Illinois NP - ** 

American Savings Bank of Danville 

Danville, Illinois 

3(a)(l) Michigan Heritage Bancorp, Inc. * FR - 1-24-97 

Novi, Michigan NP - ** 

Michigan Heritage Bank (in organization) 

Novi, Michigan 

3(a)(I) Iron Horse Bancshares, Inc. * FR - 1-21-97
 

Mazomanie, Wisconsin NP - 1-13-97
 

The Peoples State Bank of Mazomanie, Wisconsin 

Mazomanie, Wisconsin 
Federal Reserve Bank of Chicago 

Section II - Applications Subject to Both Newspaper and Federal 

Register Notice Cont'd 

Comment 

Period 

Application Ending Date 

3(a)(I) Bando McGlocklin Capital Corporation* FR - 12-27-96 

Pewaukee, Wisconsin
 NP - 12-23-96 

InvestorsBank
 

Pewaukee, Wisconsin (in organization)
 

3(a)(l) CH and JD Byrum, LLC* FR - 12-27-96 

Indianapolis, Indiana
 NP - 12-2-96 

American State Corporation
 

Lawrenceburg, Indiana
 

American State Bank
 

Lawrenceburg, Indiana
 

caC-HC APM Bancorp, Inc.
 FR - 1-10-97 

Buffalo, Iowa
 NP - ** 

By James A. Matthys
 

3(a)(3) Beaman Bancshares, Inc. * FR - 12-23-96 

Beaman, Iowa
 NP - 12-24-96 

Producers Savings Bank
 

Green Mountain, Iowa
 

3(a)(l) Vanderbilt Holding Company, Inc. * FR - 1-24-97 

Fairfax, Iowa
 NP - ** 

Fairfax State Savings Bank
 

Fairfax, Iowa
 

3(a)(l) County Bancorp, Inc. * FR - 1-27-97 

Manitowoc, Wisconsin
 NP - ** 

Investors Community Bank
 

Manitowoc, Wisconsin (in organization)
 

3(a)(3) Amcore Financial, Inc. * FR - 1-24-97 

Rockford, Illinois
 NP - ** 

First National Bancorp, Inc.
 

Monroe, Wisconsin
 

First National Bank and Trust
 

Monroe, Wisconsin
 
Federal Reserve Bank of Chicago 

Section III - Applications Subject to Federal Re~ister
 

Notice Qnly cont'd
 

Comment Period 

Application Endin~ Date 

4(c)(8) Bando McGlocklin Capital Corporation FR 12-27-96 

Pewaukee, Wisconsin 

Bando McGlocklin Investment Corporation 

Pewaukee, Wisconsin 

Bando McGlocklin Small Business Lending Company 

Pewaukee, Wisconsin 

4(c)(8) Bank of Montreal FR - 1-16-97 

Totonnto, Canada 

Cebra, Inc. 

Toronto, Canada 

4(c)(8) AmeriMark Financial Corporationn FR - 12-20-96 

Oak Brook, Illinois 

Banill Corporation 

Villa Park, Illinois 

Section IV - Applications Not Subject to Federal Register or Newspaper Notice 

Application 

None 

­
Federal Reserve Bank of Chicago 

Section V - Availability of CRA Public Evaluations 

The following state member banks have been examined by the Federal Reserve Bank of 

Chicago for compliance with the CRA. The 30-business day period the bank has to make the 

evaluation public has lapsed during the week ending December 27, 1996. If you are interested 

in obtaining a copy of the evaluation document, please contact the bank(s) directly. 

Identification of Ratings 

0- An institution in this group has an outstanding record of, and is a leader 

in, 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. 

S - 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. 

NI- An institution in this group has a 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. 

SN - An institution in this group has a substantial noncompliance 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 capabilies. 

BANK NAME/LOCATION EXAMINATION DATE RATINGS 

Shelby County State Bank 

130 South Morgan 

P.O. box 530 

Shelbyville, Illinois 62565-0530 

(217) 774-3911 8/26/96 o 

The First Trust & Savings Bank 

111 East 2nd Avenue 

P.O. Box 247 

Aurelia, Iowa 51005-0247 

(712) 434-2291 8/26/96 S 
Federal Reserve Bank of St. Louis 

FOR THE WEEK ENDING DECEMBER 27, 1996 

SECTION I - APPLICATIONS SQRIECT TO NEWSPAPER NOTICE 

ApplicatioD End of Comment Period 

None. 

SECTION II - APPLICATIONS SllRIECT TO BOTH 

NEWSPAPER AND FEDERAL REGISTER NOTICE 

AllPlicatjOD End of Comment Period 

None. 

SECTION ill - APPLICATIONS SURIECT TO FEDERAL REGISTER NOTICE 

Applicatjon End of Comment Period 

None. 

SECTION IV - APPLICATIONS NOT SWIECT TO FEDERAL REGISTER NOTICE 

OR NEWSPAPER NOTICE 

End of Comment Period 

N/A 

Section 4(c)(8) 12-business day prior notification 

by Bremen Bancorp, Inc., St. Louis, Missouri, 

to acquire National Equity, Inc., St. Charles, 

Missouri, and thereby engage in mortgage banking 

activities. 

* This application/notification is subject to eRA. 
FEDERAL RESERVE BANK OF ST. LOUIS
 

FOR THE WEEK ENDING December 27, 1996 

SECTION V - AYAILABILITY OF CRA PUBliC DlSCWSURFS 

Identification of Ratina:s; 

Outstanding record ofmeeting community credit needs 

An institution in this group has an outstanding record of, and is a leader in, 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 ofmeeting 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 ofmeeting 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. 

.n.um;O( Bank Hank. Address .Exammatlon I{yammabon 

I : .: ••• . .. •••• Date ...... ·.Ratili2•. ··· ••••• 

Bank of Cairo and Moberly, Missouri 8/26/96 Satisfactory 

~oberly

.~ ._. 
FEDERAL RESERVE BANK OF MINNEAPOLIS
 

Section I - Applications Subject to
 

Newspaper Notice Only
 

Gib S. Nichols to acquire control of 28.1 % of the 

voting shares of Flathead Holding Company of 

Bigfork, Bigfork, Montana. 

FEDERAL RESERVE BANK OF MINNEAPOLIS 

Section III - Applications Subject 

to Federal Re~ister Notice Onry 

Comment Period 

Application Endin~ Date 

Norwest Corporation, Minneapolis, Minnesota and Norwest Not yet available 

Financial Services, Inc., Des Moines, Iowa, to engage in 

automobile financing through the acquisition of Reliable 

Financial Services, Inc., San Juan, Puerto Rico. 

Norwest Corporation, Minneapolis, Minnesota to engage Not yet available 

in mortgage banking through the acquisition of Statewide 

Mortgage Company, Birmingham, Alabama. 

FEDERAL RESERVE BANK OF MINNEAPOLIS
 

Section IV - Applications Not Subject to
 

Federal Re~ister Notice or Newspaper Notice
 .. Application 

Flathead Holding Company of Bigfork, Bigfork, Montana to 

redeem 22.9 % of its voting shares. 

Comment Period 

Application Ending Date 

NONE. 

FEDERAL RESERVE BANK OF MINNEAPOLIS 

Section II - Applications Subject to Both 

Newspaper and Federal Re~ister Notice 

Comment Period 

Application Ending Date 

Not yet available 
FEDERAL RESERVE BANK OF MINNEAPOLIS
 

Section V - Availability of
 

CRA Public Evaluations
 

week ending December 27, 1996
 

ASSIGNMENT OF RATING 

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, and is a leader in, 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. 

BANKeS) EXAMINED DATE OF EXAMINATION CRARATING 

Root River State Bank 

P.O. Box 517 

Chatfield, MN 55923-0517 

(507) 867-4120 

September 9, 1996 Satisfactory 

The First Security Bank of Malta September 16, 1996 Outstanding 

130 South First E., Box 730 

Malta, MT 59538-0730 

(406) 654-2222 
FEDERAL RESERVE BANK OF MINNEAPOLIS
 

Section V - Availability of
 

CRA Public Evaluations
 

week ending December 27, 1996
 

(Continued)
 

BANKeS) EXAMINED DATE OF EXAMINATION CRA RATING 

The First State Bank of Malta September 16, 1996 Satisfactory 

P.O. Box 910 

Malta, MT 59538-0910 

(406) 654-2340 
Federal Reseroe Bank of Kansas City
 

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY 

APPLICATION COMMENT PERIOD ENDING DATE 

None. 

SECTION II - APPLICATIONS SUBJECT TO BOTH
 

NEWSPAPER AND FEDERAL REGISTER NOTICE
 

APPLICATION COMMENT PERIOD ENDING DATE 

None. 

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 

None. 

SECTION V - AVAILABILITY OF eRA PUBLIC EVALUATIONS 

Identification of Ratings 

In connection with the assessment of each insured depository institutionIS 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 it') resources and capabilities. 
Federal Reserve Bank of Kansas City
 

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

Bank/Location Exam Date 

CRA Public 

Date 

CRA 

RatinG' 

State Bank & Trust 

P.O. Box 2077 

Colorado Springs, Colorado 80901-2077 

09/16/96 12/24/96 Outstanding 

*Application is subject to CRA. 
FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN 

APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF DECEMBER 23, 1996 

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER
 

NOTICE ONLY
 

APPLICATION NOTICE EXP 

None. 

SECTION II - APPLICATIONS SUBJECT TO BOTH
 

NEWSPAPER AND FEDERAL REGISTER NOTICE
 

APPLICATION ** NOTICE EXP 

Change in Control Notice by 

Robert B. Dunkin to acquire an interest in 

First San Benito Bancshares, Inc., San Benito, TX 

(Resubmission)
 

(Previously reported during the week of 10-28-96) 97/01/29
 

*Section 3(a) (1) application by 

SW&KM Holdings, LLC, Del Rio, TX, to acquire 

SW&KM Limited Partnership, Del Rio, TX, 

Westex Bancorp, Inc., Del Rio, TX, 

Westex Bancorp of Delaware, Inc., Wilmington, DE, 

Del Rio Bank & Trust Company, Del Rio, TX, 

First State Bank, Brackettville, TX, and 

Sutton City National Bank, Sonora, TX 

(Previously reported during the week of 10-28-96) 96/12/25 

*Section 3(a) (1) application by 

SW&KM Limited Partnership, Del Rio, TX, to acquire 

Westex Bancorp, Inc., Del Rio, TX, 

Westex Bancorp of Delaware, Inc., Wilmington, DE, 

Del Rio Bank & Trust Company, Del Rio, TX, 

First State Bank, Brackettville, TX, and 

Sutton City National Bank, Sonora, TX 

(Previously reported during the week of 10-28-96) 96/12/25 

*Section 3(a) (3) application by 

SW&KM Holdings, LLC, Del Rio, TX, to acquire 

SW&KM Limited Partnership, Del Rio, TX, 

Westex Bancorp, Inc., Del Rio, TX, 

Westex Bancorp of Delaware, Inc., Wilmington, DE, 

Del Rio Bank & Trust Company, Del Rio, TX, 

First State Bank, Brackettville, TX, and 

Sutton City National Bank, Sonora, TX 

(Previously reported during the week of 10-28-96) 96/12/25 
*Section 3(a) (3) application by 

SW&KM Limited Partnership, Del Rio, TX, to acquire 

Westex Bancorp, Inc., Del Rio, TX, 

Westex Bancorp of Delaware, Inc., Wilmington, DE, 

Del Rio Bank & Trust Company, Del Rio, TX, 

First State Bank, Brackettville, TX, and 

Sutton City National Bank, Sonora, TX 

(Previously reported during the week of 10-28-96) 96/12/25 

Change in Control Notice by 

Robert Sidney Cauthorn and James Guy Cauthorn, 

Del Rio, TX, to acquire an interest in 

SW&KM Limited Partnership, Del Rio, TX 

(Previously reported during the week of 10-28-96) 96/12/25 

*Section 3(a) (1) application by 

First Live Oak Bancshares, Inc., Three Rivers, TX, to 

acquire First Live Oak Delaware Bancshares, Inc., Dover, 

DE, and First State Bank, Three Rivers, TX 

(Previously reported during the week of 12-2-96) 97/01/10 

*Section 3(a) (1) application by 

First Live Oak Delaware Bancshares, Inc., Dover, DE, to 

acquire First State Bank, Three Rivers, TX 

(Previously reported during the week of 12-2-96) 97/01/10 

*Section 3(a) (1) application by 

Laguna Bancshares, Inc., Big Lake, TX, to 

acquire Laguna Bancshares of Delaware, Inc., 

Dover, DE, and Big Lake Bank, National Association, 

Big Lake, TX N/A 

*Section 3(a) (1) application by 

Laguna Bancshares of Delaware, Inc., Dover, DE, 

to acquire Big Lake Bank, National Association, 

Big Lake, TX N/A 

*Section 3(a) (1) application by 

Waggoner National Bancshares, Inc., Vernon, TX, 

to acquire Vernon Bancshares, Inc., Dover, DE, and 

The Waggoner National Bank, Vernon, TX N/A 

*Section 3(a) (1) application by 

Vernon Bancshares, Inc., Dover, DE, to acquire 

The Waggoner National Bank, Vernon, TX N/A 

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER 

NOTICE ONLY 

APPLICATION NOTICE EXP 

None. 

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE 

OR NEWSPAPER NOTICE 

APPLICATION 

None. 

* SUBJECT TO CRA. 

** EXPIRATION DATE IS THE DATE SPECIFIED IN THE NEWSPAPER NOTICE ONLY. 

N/A - NOT AVAILABLE AT THIS TIME. 
SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS
 

FOR THE WEEK OF DECEMBER 23, 1996
 

Outstanding record of meeting community credit needs. 

An institution in this group has an outstanding record of, and is a 

leader in, 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 need 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. 

Date of 

Examination eRA Rating 

Wellington State Bank 96/09/23 Satisfactory 

1000 8th St. 

P. O. Box 1032 

Wellington, Texas 79095-1032 

RSSD# 371362 
FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN 

APPLICATIONS AND NOTIFICATIONS APPROVED DURING THE WEEK OF DECEMBER 23, 1996 

APPLICATION 

section 4(c) (8) notification by
 

First National Bank Group, Inc., Edinburg, TX
 

to acquire a 1/3 interest in a Texas State Life
 

Insurance Company office in McAllen, TX, and
 

to engage in the sale of credit life insurance 96/12/24
 

Section 4(c) (8) notification by
 

Merchants Bancshares, Inc., Houston, TX, and Gulf
 

Southwest Nevada Bancorp, Inc., Houston, TX, to
 

acquire Funds Management Group, Inc., Houston, TX,
 

and act as investment advisor and securities broker 96/12/24
 

Change in Control Notice by
 

Wilma McKnight, Throckmorton, TX, and Nan McKinney Daws,
 

Wichita Falls, TX, to acquire an interest in
 

Throckmorton Bancshares, Inc., Throckmorton, TX 96/12/26
 

Section 3(a) (3) application by
 

Central Texas Bankshare Holdings, Inc., Columbus, TX,
 

to acquire Hill Bancshares Holdings, Inc., Weimar, TX,
 

Hill Bancshares, Inc., Wilmington, DE, and Hill Bank &
 

Trust Company, Weimar, TX 96/12/26
 

Section 3(a) (3) application by
 

Colorado County Investment Holdings, Inc., Wilmington, DE,
 

to acquire Hill Bancshares Holdings, Inc., Weimar, TX,
 

Hill Bancshares, Inc., Wilmington, DE, and Hill Bank & Trust
 

Company, Weimar, TX 96/12/26
 

Section 3(a) (1) application by 

Hickory Hill Bancshares, Inc., Avinger, TX, to acquire 

Hickory Hill Delaware Financial Corporation, Dover, DE, 

and The First State Bank, Avinger, TX 96/12/27 

Section 3(a) (1) application by 

Hickory Hill Delaware Financial Corporation, Dover, DE, 

to acquire The First State Bank, Avinger, TX 96/12/27 
Section 3(a) (1) application by
 

SW&KM Holdings, LLC, Del Rio, TX, to acquire
 

SW&KM Limited Partnership, Del Rio, TX,
 

Westex Bancorp, Inc., Del Rio, TX,
 

Westex Bancorp of Delaware, Inc., Wilmington, DE,
 

Del Rio Bank & Trust Company, Del Rio, TX,
 

First State Bank, Brackettville, TX, and
 

Sutton City National Bank, Sonora, TX 96/12/27
 

Section 3(a) (1) application by
 

SW&KM Limited Partnership, Del Rio, TX, to acquire
 

Westex Bancorp, Inc., Del Rio, TX,
 

Westex Bancorp of Delaware, Inc., Wilmington, DE,
 

Del Rio Bank & Trust Company, Del Rio, TX,
 

First State Bank, Brackettville, TX, and
 

Sutton City National Bank, Sonora, TX 96/12/27
 

Section 3(a) (3) application by
 

SW&KM Holdings, LLC, Del Rio, TX, to acquire
 

SW&KM Limited Partnership, Del Rio, TX,
 

Westex Bancorp, Inc., Del Rio, TX,
 

W'.;stex Bancorp of Delaware, Inc., Wilmington, DE,
 

Del Rio Bank & Trust Company, Del Rio, TX,
 

First State Bank, Brackettville, TX, and
 

Sutton City National Bank, Sonora, TX 96/12/27
 

Section 3(a) (3) application by
 

SW&KM Limited Partnership, Del Rio, TX, to acquire
 

Westex Bancorp, Inc., Del Rio, TX,
 

Westex Bancorp of Delaware, Inc., Wilmington, DE,
 

Del Rio Bank & Trust Company, Del Rio, TX,
 

First State Bank, Brackettville, TX, and
 

Sutton City National Bank, Sonora, TX 96/12/27 

Change in Control Notice by 

Robert Sidney Cauthorn and James GUy Cauthorn, 

Del Rio, TX, to acquire an interest in 

SW&KM Limited Partnership, Del Rio, TX 96/12/27 
FEDERAL RESERVE BANK OF SAN FRANCISCO 

Week ending 12/27/96 

Section I - Applications Subject to Newspaper Notice Only 

Application Comment Period Ending Date 

The Prineville Bank, Prineville, Oregon, to Newspaper: 1/06/97
 

establish a branch office at the corner of
 

B Avenue and Highway 97, Terrebonne, Oregon. *
 

Humboldt Bank, Eureka, California, to acquire. Newspaper: Not available
 

through merger, the Garberville, California,
 

branch office of First Nationwide Bank, FSB,
 

San Francisco, California. *
 

Section II - Applications Subject to Both
 

Newspaper and Federal Register Notice
 

TRP Acquisition Corporation, Burr Ridge, Newspaper: Not available 

Illinois, to become a bank holding company 

by acquiring Trans Pacific Bancorp, San Fed. Reg.; 1/24/97 

Francisco, California. * 

TRP Acquisition Corporation, Burr Ridge, Newspaper: Not available 

Illinois, to acquire, as an option, 19.9 

percent of Trans Pacific Bancorp, San Fed. Reg.: 1/24/97 

Francisco, California. * 

BSM Bancorp, Santa Maria, California, to Newspaper: 1/19/97 

become a bank holding company by acquiring 

Bank of Santa Maria, Santa Maria, California. Fed Reg .. 1/27/97 

Bank SinoPac, Taipei, Taiwan, to become a Newspaper: Not available 

bank holding company by acquiring Far East 

National Bank, Los Angeles, California. * Fed. Reg.: 1/27/97 

Robert M. Daugherty. W. James Tozer, Jr .. et Newspaper: Not available 

al, to acquire 56.04 percent of Draper BanCorp, 

Draper. Utah. * Fed. Reg.: 1/16/97 
Section III -Applications Subject to Federal Register Only 

None 

Section IV - Applications Not Subject to Federal Register Notice 

or Newspaper Notice 

None 

* Subject to	 CRA. 

FEDERAL RESERVE BANK OF SAN FRANCISCO 

Week ending 12/27/96 

Section V - Availability of CRA Public Evaluations 

The CRA public evaluations of the institution(s) below became available during this 

week. Information about a particular institution's CRA evaluation may be obtained 

directly from the institution. 

Institution Location Examination Date Rating* 

Oak Valley Community Bank 125 N. Third Avenue 9/02/96 Satisfactory 

P.O. Box 97 

Oakdale, CA 95361 

(209) 848-2265 

*Under the rating system an institution's CRA performance is assigned one of the 

following four ratings: 

Outstanding record of meeting community credit needs: An institution has an 

outstanding record of, and is a leader in, ascertaining and helping to meet the credit 

needs of its entire delineated community, including 10w- and moderate-income 

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

Satisfactory record of meeting community credit needs: An institution has a 

satisfactory record of ascertaining and meeting the credit needs of its entire 

delineated community, including 10w- and moderate-income neighborhoods, in a manner 

consistent with its resources and capabilities. 
Needs to Improve record of meeting community credit needs: An institution needs to 

improve its overall record of ascertaining and helping to meet the credit needs of its 

entire delineated community, including low- to moderate-income neighborhoods, in a 

manner consistent with its resources and capabilities. 

Substantial Noncompliance in meeting community credit needs: An institution has a 

substantially deficient record of ascertaining and helping to meet the credit needs of 

its entire delineated community, including low- to moderate-income neighborhoods, in 

a manner consistent with its resources and capabilities. 

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.