Lic Bulletin fc A 1997
tion 3 - 1: ms Subj ral Regi Mh

Application iod Endi te
Premier Bancshares, Inc. 05-12-97

Atlanta, Georgia
To acquire Central and Southern Bank of North Georgia, Greensboro, Georgia, and thereby
engage in operating a savings association, pursuant to Section 225.25(b)(9) of Regulation Y and
Section 4(c)(8) of the Bank Holding Company Act.

ion 4 - icati tS
ral ister Notice or New: x Noti

Application

None.



ECTION V_-
FOR THE WEEK OF APRIL 14, 1997

Outstanding record of meeting community credit needs.

An institution in this group has an outstanding record of, and is a
Teader 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
Bank Examination CRA Rating
Security Bank
P.O. Box 121288
1521 North Cooper,
Suite 100
Arlington, TX 76012
133551 97/01/06 Satisfactory

Texas Heritage Bank

P.O. Box 158

500 West Highway 79

Hutto, TX 78634

961156 97/01/06 Satisfactory



APPLICATION

Bank of Chelsea, Chelsea, Oklahoma, for prior Not Available
approval to become a member of the Federal Reserve
System.

: IL, I
Identification of Ratings

In connection with the assessment of each insured depository institution's CRA performance, a
rating is assigned from the following groups:

Outstanding record of meeting community credit needs
An institution in this group has an outstanding record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs
An institution in this group has a satisfactory record of ascertaining and helping to meet
the credit needs of its entire delineated community, including low- and moderate-income
neighborhoods, in a manner consistent with its resources and capabilities.

Needs to improve record of meeting community credit needs
An institution in this group needs to improve its overall record of ascertaining and helping
to meet the credit needs of its entire delineated community, including low- and moderate-
income neighborhoods, in a manner consistent with its resources and capabilities.

Substantial noncompliance in meeting community credit needs
An institution in this group has a substantially deficient record of ascertaining and helping

to meet the credit needs of its entire delineated community, including low- and moderate-
income neighborhoods, in a manner consistent with its resources and capabilities.



FEDERAL RESERVE BANK OF PHILADELPHIA

SECTI : ILITY OF CRA EVALUATI

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 April 18, 1997.

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.

Bank/Location = = ExaminationDate = = CRA Rating

NONE NONE NONE



Type

Merger & Branch

Branch

Branch

Merger & Branch

Branch

Federal Reserve Bank of Chicago

Citizens Bank
Flint, Michigan
City Bank and Trust Company
Jackson, Michigan
City Bank
St. Johns, Michigan
CB North
Charlevoix, Michigan
and to establish 33 branches

Old Kent Bank
Grand Rapids, Michigan
to establish a mobile branch

Bank of Illinois in Normal

Normal, IHinois
to establish a branch at 403 North Veterans Parkway
Bloomington, Illinois

M&I Bank of Janesville
Janesville, Wisconsin
M&I Bank of Beloit
Beloit, Wisconsin
M&I Bank of Delavan
Delavan, Wisconsin
and to establish 7 branches

M&I Bank of Burlington

Burlington, Wisconsin
5455 Sheridan Road
Kenosha, Wisconsin

NP - *#

NP - 4-28-97

NP - 4-22-97

NP - *#

NP - 4-25-97


FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 4/18/97

Section I = Applications Subj N Notice Only D

licati C Period Ending D
None
: 7 was .
Section Applications Subject to Bath i Federal Register Noti

Imperial Bancorp, Inglewood, California, to acquire Newspaper: Not available
Imperial Bank of Arizona, Phoenix, Arizona. *

Fed. Reg.; 5/01/97
Zubair and Khatija Kazi, Studio City, California, and Newspaper: 4/18/97
Yahia and Magda Abdul-Rahman, Altadera, California,
to acquire up to 55 percent of Greater Pacific Fed. Reg.: 5/05/97

Bancshares, Whittier, California. *

Section I -Applications Subj Federal Register Onl
Tehama Bancorp, Red Bluff, California, to engage Fed. Reg.; 5/05/97

indirectly in equipment leasing activities through Bancorp
Financial Services, Inc., Sacramento, California.

None

*Subject to CRA.



H.2
APRIL 14, 1997 TO APRIL 18, 1997
PAGE 5

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK MERGERS

Richmond Guaranty Bank, Charlottesville, Virginia -- to merge
with Guaranty Savings & Loan, F.A., and establish
four branches.

Approved, April 15, 1997.

BANK PREMISES
Minneapolis First National Bank in Brookings, Brookings, South
Dakota -- investment in bank premises.

Withdrawn, April 14, 1997.

BANKS, NONMEMBER, AND MISCELLANEOUS INSTITUTIONS

San Francisco Ligand Pharmaceuticals, Inc., San Diego, California,
and Northern Life Insurance Company, Seattle,
Washington -- registration under Regulation G.
Withdrawn, April 16, 1997.

CHANGE IN BANK CONTROL

Chicago Antioch Holding Company, Antioch, Illinois -- change
in bank control.
Permitted, April 16, 1997.

St. Louis FSB Financial Corporation, Francisco, Indiana --
change in bank control.
Permitted, April 18, 1997.

Minneapolis H & W Holding Company, Freeman, South Dakota --
change in bank control.
Permitted, April 14, 1997.

Dallas South Texas Capital Group, Inc., San Antonio, Texas -
- change in bank control.
Returned, April 18, 1997.

Kansas City SSB Holdings, Inc., Miami, Oklahoma -- change in bank
control.
Permitted, April 15, 1997.



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section IV - Applications Not Subject to

Federal Register Notice or Newspaper Notice
Application
First Bank System, Inc., Minneapolis, Minnesota, to
indirectly engage in export trading company activities

through the acquisition of U.S. Bancorp, Portland, Oregon,
and its subsidiaries.

Section V - Availability of

Cc lic Evaluation
week ending April 18, 1997

AS: [ENT OF RATIN

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.

BANK(S) EXAMINED DATE OF EXAMINATION CRA RATING
Merchants State Bank January 7, 1997 Satisfactory
P.O. Box 399

Freeman, South Dakota 57029



Federal Reserve Bank of Atlanta
Jications Bulletin for Week Endi i118, 1997

= ilabili lic Ev:

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 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 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.

The Brand Banking Company Satisfactory 01-06-97
P. O. Box 1110

Lawrenceville, Georgia 30246
(770) 963-9225

Commercial Bank of Florida Satisfactory 01-06-97
1550 S. W. 57th Avenue

Miami, Florida 33144

(305) 267-1200



Type
3(a)G)

3(a)(5)

3(a)(5)

3(a)(3)

=A

Applicati

Amcore Financial
Rockford, Illinois

Federal Reserve Bank of Chicago

jicati j B
Register Noti "d

, Inc.*

Country Bank Shares Corporation
Mount Horeb, Wisconsin
Citizens State Bank

Clinton, Wisconsin

Montello State Bank

Montello, Wisconsin

State Bank of Argyle

Argyle, Wisconsin

State Bank of Mount Horeb
Mount Horeb, Wisconsin
Belleville Bancshares Corporation

Belleville, Wisc

onsin

Belleville State Bank

Belleville, Wisc

onsin

Marshall & Ilsey Corporation*

Milwaukee, Wisconsin
Security Capital Corporation
Milwaukee, Wisconsin
Security Bank, S.S.B.
Milwaukee, Wisconsin

Citizens Banking Corporation*

Flint, Michigan

CB Financial Corporation
Jackson, Michigan

City Bank & Trust Company
Jackson, Michigan

City Bank
St. Johns, Michi
CB North

igan

Charlevoix, Michigan

NEB Corporation

*

Fond du Lac, Wisconsin
State Bank of St. Cloud
St. Cloud, Wisconsin

Comment Period
Ending Date

FR - 4-22-97
NP - 4-17-97

FR - 5-5-97
NP - 4-27-97

ER - 5-8-97
NP - **

FR - 5-5-97
NP - 4-30-97



Type

Merger & Branch

Merger & Branch

Merger & Branch

Merger & Branch

Merger & Branch

Federal Reserve Bank of Chicago

. ses : ww

Notice Only

«sats

Security Savings Bank
Farnhamville, lowa
Boxholm, Iowa branch office of
Boone Bank and Trust Company
Boone, Iowa
Branch at 200 2nd Street
Boxholm, Iowa

Old Kent Bank
Grand Rapids, Michigan
Commercial and Savings Bank of St. Claire County
Saint Claire, Michigan
Algonac Savings Bank
Algonac, Michigan
and to establish 15 branches

M&I Madison Bank
Madison, Wisconsin
M&I Bank Southwest
Spring Green, Wisconsin
and to establish 11 branches

Huron Community Bank
East Tawas, Michigan
Au Gres Michigan branch of Citizens Bank
Flint, Michigan
Branch at 3150 East Huron Road
Au Gres, Michigan

Quad City Bank and Trust Company
Bettendorf, lowa
Quad City Bank and Trust-Illinois
Moline, Illinois
Branch at 3551 Seventh Street
Moline, Illinois

Comment Period

Ending Date

NP - 4-30-97

NP - 4-15-97

NP - **

NP - 5-7-97

NP - **



KANSAS CITY RESERVE BANK APPLICATIONS AND REPORTS RECEIVED
During the week ending April 18, 1997

SECTION J - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY
APPLICATION COMMENT PERIOD ENDING DATE

Havelock Bank, Lincoln, Nebraska, for prior approval Not Available
to establish a branch facility at 27th and Pine Lake
Road, Lincoln, Nebraska.

i- T
NEWSPAPER AND FEDERAL REGISTER NOTICE
APPLICATION COMMENT PERIOD ENDING DATE
Thomas Rily Ford, Paul Emil Nelson, and Henry May 1, 1997

Thomas Southway, all of Alamosa, Colorado, to each
acquire an additional 3.0 percent, for a total of 26.6
percent east, of the voting shares of Alamosa
Bancorporation Ltd., Alamosa, Colorado.

Poteau Bancshares, Inc., Poteau, Oklahoma, for prior May 17, 1997
approval to become a bank holding company through

the acquisition of 85.85 percent of the voting shares of

First Poteau Corporation, Poteau, Oklahoma.*

Hohl Financial, Inc., Wahoo, Nebraska, for prior Not Available
approval to become a bank holding company through

the acquisition of 100 percent of the voting shares of

Wahoo State Bank, Wahoo, Nebraska.*

- APPLICATION: T DI E

APPLICATION ENT PI D DATE

None.



Federal Reserve Bank of Richmond

Week ending April 18, 1997

Definition of Ratings

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 con-
sistent 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.
Bn institution in this group needs to improve its overall record of ascer-
taining 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 ascer-
taining 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.

RSSD Examination
Number Name of Bank ——Date __ Rating
163923 F & M Bank-Northern Virginia

4117 Chain Bridge Road
Fairfax, Virginia 22030-1087 1-27-97 Satisfactory



FEDERAL RESERVE BANK OF BOSTON APPLICATIONS
SECTION I - APPLICATIONS SUBJECT TO

NEWSPAPER NOTICE ONLY
Application Comment Period Ending Date

NONE

NONE

NONE

Application
NONE
SECTION V_- AVAILABILITY OF CRA PUBLIC EVALUATIONS
Institution Examination Date Rating**

NONE
SECTION VI_- APPLICATIONS BULLETIN

Effective April 21, 1997, information regarding the comment periods associated
with applications and notices submitted to the Federal Reserve Bank of Boston
for processing under section 3 and 4(c) (8) of the Bank Holding Company Act of
1956, as amended, will be available 24 hours a day by calling the following
toll-free number 1-800-896-9480.

*Subject to CRA.
**Rating Definitions: "O" - Outstanding; "S" - Satisfactory; "N" ~- Needs to
Improve; "SN" - Substantial Noncompliance



St. Louis Federal Reserve Bank

RESERVE BANK APPLICATIONS BULLETIN For week ending April 18, 1997

SECTION V - AVAILABILITY OF CRA PUBLIC DISCLOSURES
Outstanding record of meéting 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.

ank RSSD Name of Bank Bank Examination | Examination
Number Address Date Rating

833646 City Bank & Trust of Moberly | Moberly, MO 1/13/97 Satisfactory



Type

4(c)(8)

NONE

Federal Reserve Bank of Chicago

ection Il - Applicati i i
Notice Only
Comment Period
icatio Ending Date
Shorebank Pacific Corporation FR - 5-17-97

Tlwaco, Washington
Shoretrust Trading Group
Tlwaco, Washington

Vv - icati

Application



H.2

APRIL 14, 1997 TO APRIL 18, 1997

PAGE 7

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS

Minneapolis

Minneapolis

Dallas

Dallas

Chicago

Dallas

St. Louis

First Interim Bank of Casper, Casper, Wyoming,
proposed merger with First Interim Bank of
Cheyenne, National Association, Cheyenne, Wyoming -
- report on competitive factors.

Submitted, April 14, 1997.

First National Bank of Waseca, Waseca, Minnesota,
proposed merger with Bank of Ellendale, Ellendale,
Minnesota -- report on competitive factors.

Submitted, April 18, 1997.

First Prosperity Bank, El Campo, Texas, proposed
acquisition of the assets and assumption of the
liabilities of a branch of Wells Fargo Bank
(Texas), N.A., Houston at 116 South Valasco,
Angleton, Texas -- report on competitive factors.

Submitted, April 17, 1997.

First State Bank, Austin, Texas, proposed acquisition
of the assets and assumption of the liabilities of
a branch of Wells Fargo Bank (Texas), N.A.,
Houston, Texas, at 1111 Highway 77 North,
Waxahachie, Texas -- report on competitive factors.

Submitted, April 15, 1997.

Old Second National Bank of Aurora, Aurora, Illinois,
proposed merger with First State Bank of Maple
Park, Maple Park, Illinois -- report on competitive
factors.

Submitted, April 16, 1997.

Peoples State Bank, Many, Louisiana, proposed merger
with First Bank of Natchitoches & Trust Company,
Natchitoches, Louisiana -- report on competitive
factors.

Submitted, April 15, 1997.

Trans Financial Bank, National Association, Bowling
Green, Kentucky, proposed merger with Trans
Financial Bank, F.S.B., Russellville, Kentucky --
report on competitive factors.

Submitted, April 18, 1997.



H.2

APRIL 14, 1997 TO APRIL 18, 1997

PAGE 6

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS

Dallas

Boston

Dallas

Richmond

Dallas

Minneapolis

Minneapolis

Big Lake Bank, N.A., Big Lake, Texas, proposed merger
with New Big Lake Bank -- report on competitive
factors.

Submitted, April 14, 1997.

CFX Bank, Keene, New Hampshire, proposed merger with
Portsmouth Savings Bank -- report on competitive
factors.

Submitted, April 17, 1997.

Community Bank of Texas, Beaumont, Texas, proposed
acquisition of the assets and assumption of the
liabilities of a branch of Wells Fargo Bank
(Texas), N.A., Houston, Texas, at 3535 Calder
Avenue, Beaumont, Texas -- report on competitive
factors.

Submitted, April 14, 1997.

Exchange Bank of South Carolina, Kingstree, South
Carolina, proposed purchase of the assets and
assumption of the liabilities of the Andrews branch
of Wachovia Bank of South Carolina, National
Association, Charleston, South Carolina -- report
on competitive factors.

Submitted, April 16, 1997.

First Bank of Natchitoches & Trust Company,
Nathchitoches, Louisiana, proposed merger with
First Bancshares of Natchitoches, Inc. -- report on
competitive factors.

Submitted, April 15, 1997.

First Bank of South Dakota (National Association),
Sioux Falls, South Dakota (New), proposed purchase
of certain assets and assumption of certain
liabilities of First Bank of South Dakota (National
Association) -- report on competitive factors.

Submitted, April 14, 1997.

First Bank System's 17 Iowa Interim National Banks,
proposed merger with First Interim Bank of Des
Moines, National Association, Des Moines, Iowa --
report on competitive factors.

Submitted, April 14, 1997.


ications Bulletin for Week Endi i118, 1997
i - licati
oe C Period Ending D
Aliant Bank 05-06-97

Alexander City, Alabama
To establish a branch located at 1100 Corporate Parkway, Hoover, Alabama

AmSouth Bank of Tennessee 04-29-97
Chattanooga, Tennessee

To establisha branch located at 8105 Moore’s Lane, Brentwood, Tennessee, pursuant to Section 9

of the Federal Reserve Act.

AmSouth Bank of Tennessee 05-20-97
Chattanooga, Tennessee

To establish a branch located at 2017 Mallory Lane, Franklin, Tennessee, pursuant to Section 9

of the Federal Reserve Act.

ecti - icati ject te h
WwW ran 1 ister Noti
Application Comment Period Ending Date
Compass Bancshares, Inc. 05-12-97*
Birmingham, Alabama Federal Register

Along with Compass Bank of Texas, Inc., Birmingham, Alabama, and Compass Bancorporation
of Texas, Inc., Wilmington, Delaware, to merge with Central Texas Bancorp, Inc., Waco, Texas,
and thereby indirectly acquire The National Bank of Waco, Waco, Texas.

Pinnacle Bancshares, Inc. 05-06-97*
Thomson, Georgia Newspaper

1-BHC formation, McDuffie Bank & Trust, Thomson, Georgia.

Premier Bancshares, Inc. 05-12-97*
Atlanta, Georgia Federal Register

To merge with Central and Southern Holding Company, Milledgeville, Georgia, and thereby
directly acquire its bank subsidiary, Central and Southern Bank of Georgia, Milledgeville,
Georgia, pursuant to Section 3(a)(5) of the Bank Holding Company Act.

* Subject to the provisions of the Community Reinvestment Act.


H.2
APRIL 14, 1997 TO APRIL 18, 1997
PAGE 9

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

MEMBERSHIP

Richmond Guaranty Bank, Charlottesville, Virginia -- to become
a member of the Federal Reserve System.
Approved, April 15, 1997.



Membership Community Savings Bank (in organization)
Robins, Iowa
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

NP - #*



ANNOUNCEMENT H.2, 1997, No. 16
Actions of the Board, its Staff, and

BOARD OF GOVERNORS the Federal Reserve Banks;
OF THE Applications and Reports Received
FEDERAL RESERVE SYSTEM During the Week Ending April 19, 1997

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

ADVISORY COUNCILS

Consumer Advisory Council.
Convened, April 17, 1997.

BANK HOLDING COMPANIES

Amboy Bancorporation, Old Bridge, New Jersey -- to
acquire up to 9.9 percent of The Community Bank of
New Jersey, Freehold, New Jersey.

Approved, April 14, 1997.

Crestar Financial Corporation, Richmond, Virginia --
to engage in various securities-related activities,
including underwriting and dealing in, to a limited
extent, certain bank-ineligible securities through
Crestar Securities Corporation.

Approved, April 14, 1997.

BANK MERGERS

AmSouth Bank of Alabama, Birmingham, Alabama -- to
merge with AmSouth Bank of Florida, Tampa, Florida;
AmSouth Bank of Georgia, Rome, Georgia; AmSouth
Bank of Tennessee, Chattanooga, Tennessee; and
AmSouth Bank of Walker County, Jasper, Alabama; and
to establish branches at the current locations.

Approved, April 14, 1997.

ENFORCEMENT

PT Bank Negara Indonesia (Persero), Jakarta,
Indonesia -- order of prohibition against Steven
King, a former loan administration officer and
institution-affiliated party of the New York agency
of PT Bank Negara Indonesia (Persero).

Announced, April 18, 1997.



SECTION IV

Applications Not Involving
Public Comment
None.

SECTION V
vailability of Public tion:

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

Week Ending April 19, 1997
NAME OF BANK RATING EXAMINATION DATE
None.

T/ Subject to provisions of Community Reinvestment Act.
2/ Later of dates specified in newspaper and Federal ister notices.

3/ Date specified in newspaper notice; a later date may be specified in
the Tederal Register notice.

4/ Date specified in Federal Register notice; a later date may be
specified in the newspaper notice.
/A - Not Available



FEDERAL RESERVE BANK OF NEW YORK

Comment Period

SECTION I
Applications Subject to Newspaper
———Notice Only _

None.

SECTION II

Applications Subject to Both
Ww: rand i

None.

SECTION III

Nonbanking Applications
ject t 1 it Noti

Deutsche Bank AG, Frankfurt, Germany, to acquire through Deutsche
Financial Services Corporation, Saint Louis, Missouri, Ganis Credit
Corporation, Newport Beach, California, and thereby engage in the

making and servicing of loans. N/A

The Industrial Bank of Japan. Limited, Tokyo, Japan, to engage

through Aubrey G. Lanston & Co., Inc., New York, New York,

in (i) securities brokerage; (ii) riskless principal transactions; (iii) private
placement services and other transactional services; (iv) data processing;
(v) financial and investment advisory services; (vi) futures commission
merchant activities; (vii) underwriting and dealing in government
obligations and money market instruments; and (vii) investing and trading
activities with respect to foreign exchange and forward contracts,

options, futures, options on futures, swaps, and similar contracts

when traded on exchanges or not, based on any rate, price, financial asset,
nonfinancial asset or group of assets. N/A

Commerzbank, AG, Frankfurt, Germany, to acquire through CAM

Acquisition, LLC, a Delaware corporation, Montgomery Asset

Management LP, San Francisco, California, and thereby engage

indirectly through Montgomery Asset Management, LLC in:

(i) financial and investment advisory activities; (ii) agency transactional

services for customer investments, including securities brokerage

services and private placement services; and (iii) the provision of

certain administrative services for investment companies. N/A



St. Louis Federal Reserve Bank

— nna

RESERVE BANK APPLICATIONS BULLETIN For week ending April 18, 1997
SECT] - APPLI IN: TT PAPER TIC
Application f Cor nt Peri
None.

SECTION II - APPLICA’
PER FEDERAL TE! E

Application End of Comment Period

Change in control notification involving

First Cecilian Bancorp, Inc., Cecilia,

Kentucky, by C. Peter Maburin and

Dixie C. Mahurin (previously reported

during the week ending April 11, 1997). Federal Register: 4-30-97

Change in control notification involving
Mountain Home Bancshares, Inc.,

Mountain Home, Arkansas, by Coffman
Family LLC, Harrison, Arkansas (previously
reported during the week ending April 11,

1997). Federal Register: 5-2-97
TION III - APPLICAT! T TO FE) AL REGISTER NOTICE
Application nd of nt Peri
None.
ECTI IV - APPLI TONS NOT 'T TO FEDE RE ‘ER NOT.
R AP! TICE
Application End of Comment Period ©

None.



Federal Reserve Bank of Chicago

ion V - ilabilit RA Public Evaluatio

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 April 18, 1997. If you are interested in obtaining a copy of the evaluation document,
please contact the bank(s) directly.

Identification of Rati

O-

NI-

SN -

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.

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.

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.

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 capabilities.

BANK NAME/LOCATIO) EXAMINATION DAT: RATINGS

First Bank & Trust of Evanston 12/16/96 s
800 Church Street

Evanston, Illinois 60201

(847) 733-7400



H.2
APRIL 14, 1997 TO APRIL 18, 1997
PAGE 8

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

COMPETITIVE FACTORS REPORTS

St. Louis Trans Financial Bank Tennessee, National Association,
Cookeville, Tennessee, proposed purchase of the
assets and assumption of the liabilities of all the
Tennessee branches of Trans Financial Bank, F.S.B.,
Russellville, Kentucky -- report on competitive
factors.

Submitted, April 18, 1997.

San Francisco Wells Fargo Bank, N.A., San Francisco, California,
proposed merger with Wells Fargo Bank (Colorado),
N.A., Denver, Colorado -- report on competitive
factors.
Submitted, April 14, 1997.

Dallas WISB Bank, Snyder, Texas, proposed merger with The
First National Bank of Rowena, Rowena, Texas -~
report on competitive factors.

Submitted, April 15, 1997.

EXTENSIONS OF TIME

San Francisco Bank of Whitman Employee Stock Ownership Plan,
Colfax, Washington -- extension to July 23, 1997,
to acquire Whitman Bancorporation, Inc.

Granted, April 16, 1997.

Boston Charter Oak Community Bank Corp., Vernon, Connecticut
-- extension to become a mutual holding company
through acquisition of The Savings Bank of
Rockville.

Granted, April 14, 1997.

Cleveland Comunibanc Corp., Napoleon, Ohio -- extension to
acquire The Henry County Bank.
Granted, April 18, 1997.

Chicago River Cities Bancshares, Inc., Wisconsin Rapids,
Wisconsin -- extension to July 28, 1997, to acquire
River Cities Bank.
Granted, April 17, 1997.



ral Re: B f Atlanta

Applications Bulleti Week Ending April 7
Recent! roved Applications Approval Date
AmSouth Bank of Alabama 04-14-97

Birmingham, Alabama
To merge with AmSouth Bank of Walker County, Jasper, Alabama, pursuant to Section 18(c) of
the Federal Deposit Insurance Act.

AmSouth Bank of Alabama 04-14-97
Birmingham, Alabama

To merge with AmSouth Bank of Florida, Tampa, Florida, pursuant to Section 18(c) of the

Federal Deposit Insurance Act.

AmSouth Bank of Alabama 04-14-97
Birmingham, Alabama

To merge with AmSouth Bank of Georgia, Rome, Georgia, pursuant to Section 18(c) of the

Federal Deposit Insurance Act.

AmSouth Bank of Alabama 04-14-97
Birmingham, Alabama

To merge with AmSouth Bank of Tennessee, Chattanooga, Tennessee, pursuant to Section 18(c)

of the Federal Deposit Insurance Act.

First Newton Bank 04-14-97
Covington, Georgia

To establish a branch office located at 1767 Rock Quarry Road, Stockbridge, Georgia, pursuant

to Section 9 of the Federal Reserve Act.



FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN
APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF APRIL 14, 1997

INT - APPLICA ECT TO NEWSPAPER
NOTICE ONLY

APPLICAT ‘ ICE EXP

*Section 18(c) application received from

Minden Bank & Trust Company, Minden, LA,

to acquire First Federal Savings Bank,

Shreveport, LA 04-25-97
(Previously reported during the week of 03-17-97)

*Section 9 application received from

Minden Bank & Trust Company, Minden, LA,

to establish a branch at 6601 Youree Drive,

Shreveport, LA 71105 04-25-97
(Previously reported during the week of 03-17-97)

SECTION II - APPLICATIONS SUBJECT TQ BOTH
NEWSPAPER AND FEDERAL REGISTER NOTICE

APPLICATION ** NOTICE EXP

*Section 3(a)(1) application by

Bonstate Bancshares, Inc., Bonham, TX,

to acquire Bonham Financial Services, Inc.,

Dover, DE, and Bonham State Bank, Bonham, TX 04-22-97
(Previously reported during the week of 3-24-97)

*Section 3(a)(1) application by

Bonham Financial Services, Inc., Dover, DE

to acquire Bonham State Bank. Bonham, TX 04-22-97
(Previously reported during the week of 3-24-97)

*Section 3(a)(1) application by

Medina Bankshares, Inc., D'Hanis, TX

to acquire Medina Financial, Inc., Carson City, NV.

and D'Hanis State Bank, D'Hanis, TX 04-26-97
(Previously reported during the week of 03-17-97)

*Section 3(a)(1) application by

Medina Financial, Inc., Carson City, NV

to acquire D’Hanis State Bank, D'Hanis, TX 04-26-97
(Previously reported during the week of 03-17-97)



-_APPLICAT F REGIST!

NOTICE ONLY
APPLICATION NOTICE EXP
None.
TION IV _- API val NOT FI
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.



Type
3(a)(S)

3(a)G)

3(a))

3(a)S)

3(a)G)

3(a)3)

Federal Reserve Bank of Chicago

Section Il - lications Subject to Both News; 1 and Federal

i ice cont’d

Application

F & M Bancorporation, Inc.*
Kaukauna, Wisconsin
Citizens National Bancorp, Inc.
Darlington, Wisconsin.
Citizens National Bank of Darlington
Darlington, Wisconsin

F & M Merger Corporation*
Kaukauna, Wisconsin
Citizens National Bancorp, Inc.
Darlington, Wisconsin
Citizens National Bank of Darlington
Darlington, Wisconsin

F & M Bancorporation, Inc.*
Kaukauna, Wisconsin
Wisconsin Ban Corp.
Prairie du Chien, Wisconsin
Prairie City Bank
Prairie du Chien, Wisconsin

F & M Merger Corporation*
Kaukauna, Wisconsin
Wisconsin Ban Corp.
Prairie du Chien, Wisconsin
Prairie City Bank
Prairie du Chien, Wisconsin

Country Bancorporation*

Crawfordsville, lowa
Hiawatha Bank and Trust Company (in organization)
Hiawatha, Iowa

Community Financial Corp.*

Edgewood, Iowa
Community Savings Bank (in organization)
Robins, Iowa

Comment Period
ins te

FR - 5-12-97
NP - 5-12-97

FR - 5-12-97
NP - 5-12-97

FR - 5-12-97
NP - 5-7-97

FR - 5-12-97
NP - 5-7-97

FR - 5-12-97
NP - 4-7-97

FR - **
NP - 3-31-97


H.2

APRIL 14, 1997 TO APRIL 18, 1997

PAGE 4

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK HOLDING COMPANIES

Richmond

6c

Kansas City

Chicago

Philadelphia

New York

Richmond

St. Louis

Guaranty Financial Corporation, Charlottesville,
Virginia -- to acquire Guaranty Bank.
Approved, April 15, 1997.

JWL-GSW, Ltd., Houston, Texas -- determination that
it is a qualified family partnership under the Bank
Holding Company Act.

Granted, April 16, 1997.

MAXLOU Bancshares, Inc., Tahlequah, Oklahoma -- to
acquire First State Bank and Liberty Finance, Inc.,
and engage in consumer lending activities.

Approved, April 17, 1997.

Old Second Bancorp, Inc., Aurora, Illinois -- to
acquire Maple Park Bancshares, Inc., Maple Park,
Illinois; First State Bank of Maple Park, and Maple
Park Mortgage Company.

Approved, April 16, 1997.

Patriot Bank Corp., Pottstown, Pennsylvania -- to
acquire Patriot Bank.
Approved, April 17, 1997.

Swiss Bank Corporation, Basel, Switzerland -- to
acquire a 9.3 percent interest in Tradeweb, L.L.C.,
New York, New York, and engage indirectly in data
processing activities.

Approved, April 18, 1997.

Talbot Bancshares, Inc., Easton, Maryland -- to
acquire The Talbot Bank of Easton, Maryland.
Approved, April 17, 1997.

West Pointe Bancorp, Inc., Belleville, Illinois -- to
acquire West Pointe Bank and Trust Company.
Approved, April 14, 1997.



APPLICATIONS BULLETIN
(For the week ending April 19, 1997)

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY

Received notice from The Marblehead Bank, Marblehead, OH * May 11, 1997
on April 15, 1997, of its intent to establish a branch at 259
South Bridge Rd., Danbury Twp., OH.

SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL
REGISTER NOTICE

Received Section 3(a)(1) and 4(c)(8) applications from FirstFederal *F: May 17, 1997
Financial Services Corp, Wooster, OH, on April 17, 1997, to acquire

100 percent of the voting shares of First Federal Savings and Loan

Association of Wooster (to be know as FirstFederal Bank, N.A.),

Wooster, Ohio and engage in manufactured home loan activities.

Received Section 3(a)(5) and 4(c)(8) applications from FirstFederal *F: May 17, 1997
Financial Services Corp, Wooster, OH on April 17, 1997 to acquire

100 percent of the voting share of Summit Bancorp, Akron, Ohio and

engage in securities brokerage activities.

SECTION Il - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY
NONE

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE
OR NEWSPAPER NOTICE

Received notice from Mellon Bank Corporation, Pittsburgh, PA on April 18, 1997, to acquire
Buck Consultants, Inc., New York, NY and engage in employee benefits consulting activities
pursuant Section 4(c)(8) of the Bank Holding Act. To acquire foreign subsidiaries in England,
Canada, Australia, Trinidad, Germany, Belgium, France, and Mexico.

* - Subject to CRA

N - Newspaper Comment Period

F - Federal Register Comment Period

# - Expected to End 30 Days from Date of Receipt



Federal Reserve Bank of Richmond

Li . ¢ jod Endi

F & M Bank-Blakeley, Ranson, West

Virginia, to establish a branch inside

the Wal-Mart SuperCenter, 4 Charles

Town Plaza, Charles Town, West Virginia.* 5-13-97

Wi a F i
Application Comment Period Ending Date
None.
Application Comment Period Ending Date
None.
Section Iv - Application Not Subject to
Licati

NationsBank Corporation, Charlotte,
North Carolina, to make a portfolio
investment through a wholly owned
subsidiary in up to 10% of the shares
of Valecom, Rio de Janeiro, Brazil.

*Application is subject to CRA requirements.



H.2

APRIL 14, 1997 TO APRIL 18, 1997

PAGE 3

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

BANK HOLDING COMPANIES

Richmond

Cleveland

Minneapolis

New York

Director, BS&R

GC

Cleveland

Cleveland

Bay Banks of Virginia, Inc., Kilmarnock, Virginia --
to acquire Bank of Lancaster.
Permitted, April 17, 1997.

CB Bancorp, Inc., Higginsport, Ohio -- to acquire The
Citizens Bank.
Approved, April 18, 1997.

Community Bankshares, Inc., Fargo, North Dakota -- to
acquire KeyBank National Association (Wyoming),
Cheyenne, Wyoming.

Approved, April 15, 1997.

Credit Suisse Group, Zurich, Switzerland -- to
acquire shares of Tradewater, L.L.C., New York, New
York, and engage indirectly through Trade Web in
data processing.

Approved, April 18, 1997.

Deutsche Bank AG, Frankfurt, Germany -- request to
permit its section 20 subsidiary, Deutsche Morgan
Grenfel, Inc., New York, New York, to participate
in underwriting a proposed offering in the United
States of certain subordinated convertible notes of
Daimler-Benz Aktiengesellschaft, Stuttgart,
Germany.

Granted, April 16, 1997.

Dewar Family, L.P., Valdosta, Georgia --
determination that it is a qualified family
partnership under the Bank Holding Company Act.

Granted, April 18, 1997.

First Financial Bancorp, Hamilton, Ohio -- to acquire
Southeastern Indiana Bancorp, Vevay, Indiana.
Approved, April 18, 1997.

F.N.B. Corporation, Hermitage, Pennsylvania -- to
acquire shares of Sun Bancorp, Inc., Selinsgrove,
Pennsylvania.

Approved, April 18, 1997.



CRA Public CRA

Bank/Location RSSD# Exam Date —Date_ —Rating —
The Gunnison Bank & Trust 502559 01-13-97 04-16-97 Satisfactory
P.O. Box 119

Gunnison, Colorado

Frontier Bank of Laramie Co. 4053 02-02-97 04-16-97 Satisfactory
P.O. Box 15720

Cheyenne, Wyoming 82003-5720

*Application is subject to CRA.



Type
3(ay(1)

3(a)(3)

3(a)3)

CoC-HC

3(a)(3)

COC-HC

Federal Reserve Bank of Chicago

Section II - Nicatis ject to B lewspaper and Federal
Register Notice

Application

CH and JD Byrum, LLC*

Indianapolis, Indiana
American State Corporation
Lawrenceburg, Indiana
American State Bank
Lawrenceburg, Indiana

National Canton Bancshares, Inc.*
Canton, Illinois
Sturm Investment, Inc.
Denver, Colorado
Union National Bank of Macomb
Macomb, Illinois

Old Second Bancorp, Inc.*
Aurora, Illinois
Maple Park Bancshares, Inc.
Maple Park, Illinois
First State Bank of Maple Park
Maple Park, Illinois

Osceola Bancorporation
Osceola, lowa
By Denis L. And Sandra Kale

Parkway Bancorp, Inc.*

Harwood Heights, Illinois
Jefferson Holding Corp.
Chicago, Illinois
Jefferson State Bank
Chicago, Illinois

Leighton Investment Company
Leighton, Iowa
By Helen Glending and Harold A. and Ethel R. DeBruin

Comment Period

Ending Date

FR - 4-14-97
NP - 3-26-97

FR - 4-18-97
NP - 4-13-97

FR - 4-4-97
NP - 4-14-97

FR - 4-16-97
NP-#*

FR - 4-21-97
NP - 4-20-97

FR - 4-11-97
NP - 4-26-97



H.2

APRIL 14, 1997 TO APRIL 18, 1997

PAGE 2

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKS
UNDER DELEGATED AUTHORITY

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

Community Affairs; FOMC -

Federal Open Market Committee; FRBO - Federal Reserve

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

for Management
BANK BRANCHES, DOMESTIC

St. Louis

Richmond

Atlanta

Richmond

BANK HOLDING COMPANIES

Chicago

Chicago

Kansas City

Gc

Belgrade State Bank, Potosi, Missouri -- to establish
a bank in Stanley's Nu-Way Food Unit #3, Viburnum
Shopping Center, Highway 49, Viburnum, Missouri.

Approved, April 18, 1997.

Crestar Bank, Richmond, Virginia -- to establish a
branch in the Roundwood Shopping Center at the
intersection of Padonia and Roundwood Roads,
Timonium, Maryland.

Approved, April 18, 1997.

First Newton Bank, Covington, Georgia -- to establish
a branch at 1767 Rock Quarry Road, Stockbridge,
Georgia.

Approved, April 14, 1997.

Triangle Bank, Raleigh, North Carolina -- to
establish a branch inside the Winn Dixie
Supermarket at 1727 West Cumberland Avenue, Dunn,
North Carolina.

Approved, April 14, 1997.

ABC Employee Stock Ownership Plan, Anchor, Illinois -
- to acquire additional shares of Anchor
Bancorporation, Inc., Farmer City; and Anchor State
Bank, Anchor, Illinois.

Approved, April 16, 1997.

Anchor Bancorporation, Inc., Farmer City, Illinois --
redemption of shares.
Approved, April 16, 1997.

Armstrong Financial Co., Minden, Nebraska -- to
acquire Minden Exchange Company, Minden, Nebraska.
Approved, April 17, 1997.

Baltz Family Partners, Ltd., Parker, Colorado --
determination that it is a qualified family
partnership under the Bank Holding Company Act.

Granted, April 16, 1997.



FEDERAL RESERVE BANK OF MINNEAPOLIS
Section I - Applications Subject to
Newspaper Notice Only

Comment Period

Application Ending Date
First Interstate Bank of Commerce, Billings, Montana May 8, 1997

to establish a branch in Bozeman, Montana. *
* Subject to CRA

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section II - Applications Subject to Both

Newspaper and Federal Register Notice

Comment Period

Application Ending Date
First Bank System, Inc., Minneapolis, Minnesota for May 16, 1997
prior approval to acquire, through merger U.S. Bancorp, (Federal Register)
Portland, Oregon. *

Carl Karge to acquire control of 14.40% of the voting May 8, 1997
shares of Western Holding Company, Wolf Point, Montana. (Federal Register)
* Subject to CRA

FEDERAL RESERVE BANK OF MINNEAPOLIS
Section III - Applications Subject
to Federal Register Notice Onh

Comment Period

Application Ending Date

First Bank System, Inc., Minneapolis, Minnesota to May 16, 1997
engage in certain trust, insurance agency, letter of

credit issuing and paying, credit reinsurance,

mortgage banking, investment advisory, community

development, and leasing activities through the acquisition

of the nonbank subsidiaries of U.S. Bancorp, Portland, Oregon.

Norwest Corporation, Minneapolis, Minnesota to engage in May 8, 1997
residential mortgage lending activities through the acquisition

of Ohio Executive Mortgage Company, a joint venture with Sluss

Realty Company, Mansfield, Ohio.

Norwest Corporation, Minneapolis, Minnesota to engage in May 8, 1997
residential mortgage lending activities through the acquisition

of Trinity Mortgage Affiliates, a joint venture with Trinity

Mortgage Partners, Inc., Atlanta, Georgia.

Norwest Corporation, Minneapolis, Minnesota to engage in Not yet available
residential mortgage lending through the acquisition

of IMS Mortgage Company, a joint venture with East Brook Corporation

of Iowa, d/b/a Skogman Realty, Cedar Rapids, Iowa.



FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 4/18/97

Section V - Availability of CR cE .

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.

Instituti Locati Examination D Ratine*

None

*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 low- 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 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- to moderate-income neighborhoods, in a manner consistent with its resources and
capabilities.

i 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.


Federal Reserve Bank of Chicago

tion I - Lic mi lew:
Noti: ne
Comment Period
3(a)(1) Peoples Financial Services, Inc.* FR - **
Hamtramck, Michigan NP - 5-10-97

Peoples State Bank
Hamtramck, Michigan

3(a)(1) Dunn Investment Co.* FR - 5-16-97
Eagle Grove, Iowa NP - #*
Dunn Shares

Eagle Grove, lowa

F & M Shares Corp.

Eagle Grove, Iowa

Farmers & Merchants Savings Bank
Manchester, Iowa

3(a)(3) Shorebank Corporation* FR - 5-17-97
Chicago, Illinois NP - **
Shorebank Pacific Corportion
Tlwaco, Washington
Shoretrust Bank
Seattle, Washington

3¢a)(1) Shorebank Pacific Corporation* FR - 5-17-97
Ilwaco, Washington NP - **
Shoretrust Bank

Seattle, Washington



FEDERAL RESERVE BANK OF PHILADELPHIA

TI - APPLICATIONS RECEIVED PAPER
NOTICE ONLY

f Pes lvania, West Chester, PA to establish two branch offices at 402
Lancaster Avenue, Haverford, PA and One Liberty Place, 1850 Market Street, 51st Floor,
Philadelphia, PA, pursuant to Section 9 of the Federal Reserve Act.

Newspaper comment period expires: 05/03/97
TI TI - APPLI IONS RECE D TO Be APER
RAL ER Ni
Century Bancorp, MHC and Century Bancorp, Inc., both of Bridgeton, NJ to become bank

holding companies through the acquisition of Century Bancorp, Inc., and Century Savings
Bank, Bridgeton, NJ, respectively, pursuant to Section 3(a)(1) of the Bank Holding Company
Act.

Newspaper comment period expires: 04/25/97
Federal Register comment period expires: N/Avail

Susquehanna Bancshares, Inc., Lititz , PA to acquire 100 percent of the voting shares of
Founders Bank, Bryn Mawr, PA, pursuant to Section 3(a)(3) of the Bank Holding Company
Act.

Newspaper comment period expires: N/Avail
Federal Register comment period expires: N/Avail

- APPLI IVE) TT
ISTER NOTI

NONE

Et - APP! D

NONE



AVAILABILITY OF CRA PUBLIC EVALUATIONS
(April 18, 1997)

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 April 18, 1997. 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
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: 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.

The Chippewa Valley Bank
20 South Main Street
Rittman, OH 44270
Rating: Outstanding

Exam. Date: 8-13-96
Disclosure Date: 4-3-97
RSSD#90627

Fifth Third Bank of Columbus
21 East State Street
Columbus, OH 43215

Rating: Outstanding .

Exam. Date: 12-2-96
Disclosure Date: 4-7-97
RSSD#210911

The Sabina Bank

135 N. Howard Street
P.O. Box 157

Sabina, OH 45169
Rating: Satisfactory
Exam. Date: 1-27-97
Disclosure Date: 4-10-97
RSSD#159627