h.2 actions of the board, its staff, and the federal ... · richmond rockingham heritage bank,...

ANNOUNCEMENTBOARD OF GOVERNORS

OF THEFEDERAL RESERVE SYSTEM

H.2, 1 9 9 3 , No. 49Actions of the Board, its Staff, and

the Federal Reserve Banks; Applications and Reports Received

During the Week Ending December 4, 1993ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANK HOLDING COMPANIESColonial BanGroup, Inc., Montgomery, Alabama -- to

acquire Colonial Bank of Tennessee, Ardmore, Tennessee, First AmFed Corporation, Huntsville, Alabama, and First American Federal Savings and Loan Association.

Approved, November 29, 1993.Deutsche Bank AG, Frankfurt, Germany -- request for

temporary exemption to engage indirectly in certain activities through Sharps Pixley Incorporated, New York, New York, and Sharps Pixley Brokers Inc.

Granted, November 29, 1993.First Commerce Corporation, New Orleans, Louisiana --

to acquire First Acadiana National Bancshares,Inc., Opelousas, Louisiana, and First Acadiana National Bank.

Approved, November 29, 1993.First National Bank Shares, Ltd., Great Bend,Kansas -- to acquire The Home State Building, Inc., Lewis, Kansas, and the Home State Bank, Kinsley, Kansas, and engage in general insurance agency activities through Lewis Insurance Service, Inc., Lewis, Kansas.

Approved, December 1, 1993.Montgomery County Bancshares, Inc., Little Rock,Arkansas -- to acquire the Camden, Arkansas, branch of First Financial Bank, F.S.B., El Dorado,Arkansas.

Approved, December 1, 1993.BOARD OPERATIONS

Delegation of authority to the Director, Division of Consumer and Community Affairs to make preemption determinations regarding the Truth in Savings Act (Docket R-0819).

Approved, December 1, 1993.ENFORCEMENT

Constitution Bancorp, Inc., Philadelphia,Pennsylvania, and the Constitution Bank -- written agreement dated November 18, 1993, with the Federal Reserve Bank of Philadelphia.

Announced, November 29, 1993.

Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

H . 2NOVEMBER 28, 1993 TO DECEMBER 3, 1993PAGE 2

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

ENFORCEMENT

Liberty Agency, Inc., Kirk, Colorado -- execution of a written agreement dated November 18, 1993, with the Federal Reserve Bank of Kansas City.


REGULATIONS AND POLICIES

Ramapo Financial Corporation, Wayne, New Jersey -- written agreement dated November 26, 1993, with the Federal Reserve Bank of New York.


Regulation DD -- determination not to preemptspecific provisions of Wisconsin's Truth in Savings law (Docket R-0818).

Proposed, December 1, 1993.

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

ABBREVIATIONS: BS&R - Banking Supervision and Regulation; C&CA - Consumer andCommunity Affairs; FOMC - Federal Open Market Committee; FRBO - Federal Reserve Bank Operations; IF - International Finance; OSDM - Office of Staff Directorfor Management BANK BRANCHES. DOMESTIC

San Francisco Bank of America Nevada, Las Vegas, Nevada -- to establish an automatic teller machine facility at the Belz Factory Outlet World, 7*400 Las Vegas Boulevard South.

Approved, December 2, 1993.New York Chemical Bank, New York, New York -- to establish a

branch at Brinks Incorporated, 652 Kent Avenue, Brooklyn, New York.

Approved, November 30, 1993.Richmond First Commercial Bank, Wise, Virginia -- to establish

a branch at 1026 Park Avenue, Norton, Virginia. Approved, December 3, 1993.


H.2NOVEMBER 28, 1993 TO DECEMBER 3, 1993PAGE 3

ACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKSUNDER DELEGATED AUTHORITY

BANK BRANCHES. DOMESTICKansas City Gretna State Bank, Gretna, Nebraska -- to establish

an automatic teller machine at the Nebraska Crossings Factory Outlet Mall.

Approved, December 1, 1993.Cleveland Integra Bank / Pittsburgh, Pittsburgh, Pennsylvania

- to establish a branch at Shop N* Save, Pullman Plaza, 100 Pullman Square, 6th Avenue, Butler, Pennsylvania.

Approved, November 30, 1993.Richmond Rockingham Heritage Bank, Harrisonburg, Virginia --

to establish a branch at 677 Chicago Avenue. Approved, November 29, 1993.

Richmond Signet Bank / Virginia, Richmond, Virginia -- toestablish an electronic funds transfer facility at the Public Safety Building at Old Dominion. University, Hampton Boulevard and 49th Street, Norfolk, Virginia.

Approved, December 2, 1993.BANK HOLDING COMPANIES

Atlanta

Secretary

Richmond

Alan J. Lewis Financial Services Trust, Baton Rouge, Louisiana --to engage de novo in lending activities through Anglo-American Bancshares Corporation.

Permitted, December 2, 1993.Barnett Banks, Inc., Jacksonville, Florida -- to

acquire Main America Capital, L.C., Atlanta, Georgia, and engage de novo in commercial real estate mortgage lending activities.

Approved, December 2, 1993.BB&T Financial Corporation, Wilson, North Carolina -

to acquire Home Savings Bank of Albemarle, SSB, Albemarle, North Carolina.

Approved, December 1, 1993.




BANK HOLDING COMPANIES

Kansas City Carbon County Holding Company, Englewood, Colorado - to engage in certain nonbanking activities through acquisition or retention of Hanifen, Imhoff Management Co., Inc., Denver, Colorado.

Returned, December 2, 1993.Cleveland Central Bancshares, Inc., Lexington, Kentucky --to

acquire Central Bank 8 Trust Company.Approved, November 28, 1993.

Atlanta Compass Bancshares Inc. (formerly Central Bancshares of the South, Inc.), Birmingham, Alabama -- to acquire First Performance Interim, F.S.B., Jacksonville, Florida.

Approved, December 2, 1993.San Francisco Cowlitz Bancorporation, Longview, Washington -- to

Chicago

engage in securities brokerage activities through BMN, Inc., Vancouver, Washington.

Returned, December 1, 1993.Griswold Bancshares, Inc., Griswold, Iowa -- to

acquire Griswold State Bancshares, Inc., and Griswold State Bank.

Approved, December 2, 1993.Minneapolis Island Financial Corporation, Bird Island,

Minnesota --to acquire State Bank of Bird Island. Approved, November 30, 1993.

Secretary Keystone Financial, Inc., Harrisburg, Pennsylvania - to acquire WM Bancorp, Cumberland, Maryland, and American Trust Bank.

Approved, November 29, 1993.




BANK HOLDING COMPANIESSecretary Keystone Financial, Inc., Harrisburg, Pennsylvania --

to acquire Elmwood Bancorp, Inc., Media, Pennsylvania, and Elmwood Federal Savings Bank,

Approved, December 2, 1993.St. Louis Lee County Bancshares, Inc., Marianna, Arkansas -- to

acquire The First National Bank of Marianna. Approved, December 3, 1993.

Secretary MAC Partners, Atlanta, Georgia -- to acquire Main America Capital, L.C., Atlanta, Georgia.

Approved, December 2, 1993.Kansas City Myers Bancshares, Inc., Alva, Oklahoma -- to acquire

Central National Bank.Approved, November 29, 1993.

Chicago Pairieland Bancorp, Inc., Bushnell, Illinois -- to acquire Alfred E. Hempen Accounting, Hamilton, Illinois.

Permitted, December 1, 1993.Kansas City Pinnacle Bancorp, Inc., Central City, Nebraska -- to

acquire Citizens Bank Services, Abilene, Kansas, and Citizens Bank and Trust Company.

Approved, November 30, 1993.Richmond Resource Bancshares Corporation, Columbia, South

Carolina -- proposal that 1st Performance Interim FSB, Jacksonville, Florida, acquire the assets and assume the liabilities of 1st Performance National Bank.

Approved, December 2, 1993.Kansas City Security Corporation, Duncan, Oklahoma --to acquire

Firstbank Holding Company, Marietta, Oklahoma. Approved, November 29, 1993.

Atlanta Southland Bank Corporation, Butler, Georgia --to acquire United Bank of Crawford, Roberta, Georgia.





BANK HOLDING COMPANIESDallas Sterling Bancorporation, Inc., Wilmington, Delaware -

- to acquire Enterprise Bank-Houston, Houston,Texas.

Approved, December 1, 1993.Dallas Sterling Bancorporation, Inc., Wilmington, Delaware

- to acquire Guardian Bank of Houston, Houston, Texas.

Approved, December 1, 1993.Dallas Sterling Bancshares, Inc., Houston, Texas -- to

acquire Guardian Bank of Houston.Approved, December 1, 1993.

Dallas Sterling Bancshares, Inc., Houston, Texas -- to acquire Enterprise Bank-Houston.

Approved, December 1, 1993.Kansas City Stockton Bancshares, Inc., Stockton, Kansas --to

acquire Western Bancshares, Inc., and Berkley Agency, Inc.

Approved, November 29, 1993.St. Louis Sun Financial Corporation, Earth City, Missouri -- to

acquire First National Bank of Annapolis,Annapolis, Missouri.


BANK MERGERSAtlanta Compass Bank, (formerly Central Bank of the South)

Birmingham, Alabama -- to merge with Compass Bank of Calhoun County, N.A. (formerly Central Bank, N.A.), Anniston, Alabama.

Approved, November 29, 1993.Secretary First Interstate Bank of California, Los Angeles,

California -- to acquire certain assets and assume certain liabilities of HomeFed Bank, F.A.,San Diego, California, and to establish branches.





BANK MERGERSAtlanta First United Bank, Boca Raton, Florida -- to merge

with New River Bank, Oakland Park, Florida. Approved, November 30, 1993.

San Francisco Nevada Community Bank, Las Vegas, Nevada -- to merge with Continental National Bank, and to establish branches.

Approved, December 1, 1993.BANK PREMISES

Kansas City

St. Louis

Kansas City

Richmond

Kansas City

Chicago

CAPITAL STOCK

Citizens Bank & Trust Company, Okmulgee, Oklahoma investment in bank premises.

Approved, November 30, 1993.First State Bank of Dongola, Dongola, Illinois --

investment in bank premises.Approved, December 2, 1993.

First United Bank, Parker, Colorado -- investment in bank premises.

Approved, December 2, 1993.Forest Hill State Bank, Bel Air, Maryland --

investment in bank premises.Approved, December 3, 1993.Jackson State Bank, Jackson Hole, Wyoming --

investment in bank premises.Approved, December 2, 1993.Union Bank & Trust Company, Evansville, Wisconsin

investment in bank premises.Approved, December 1, 1993.

Chicago

Chicago

Greenwood’s Bancorporation, Inc., Lake Mills, Wisconsin -- redemption of shares.

Returned, November 30, 1993.Newburg Corporation, St. Ansgar, Iowa -- redemption

of shares.Returned, November 29, 1993.




CHANGE IN BANK CONTROLKansas City Coronado, Inc., Sterling, Kansas -- change in bank

control.Permitted, November 30, 1993.

Chicago Newburg Corporation, St. Ansgar, Iowa -- change in bank control.

Returned, December 3, 1993.

COMPETITIVE FACTORS REPORTSKansas City Citizens State Bank of Ouray, Ouray, Colorado,

proposed merger with The Montrose County Bank, Naturita, Colorado -- report on competitive factors.

Submitted, December 1, 1993.Kansas City Colorado National Bank, Denver, Colorado, proposed

acquisition of the assets and assumption of the liabilities of Colorado National Bank Aspen, Aspen, Colorado -- report on competitive factors.

Submitted, December 1, 1993.Atlanta First Alabama Bank, Montgomery, Alabama, proposed

acquisition of Secor Bank, FSB, Birmingham, Alabama -- report on competitive factors.

Submitted, November 30, 1993.Minneapolis First Bank National Association, Minneapolis,

Minnesota, proposed merger with First National Bank of East Grand Forks, East Grand Forks, Minnesota -- report on competitive factors.

Submitted, December 2, 1993.New York First Bank of The Americas, New York, New York,

proposed acquisition of certain assets and assumption of liability to pay deposits made in six branches of Bank Leumi Trust Company of New York, New York, and to establish six branches -- report on competitive factors.

Submitted, December 1, 1993.St. Louis First National Bank of Berryville, Berryville,

Arkansas, proposed merger with Interim First National Bank of Berryville -- report on competitive factors.

Submitted, December 3, 1993.




COMPETITIVE FACTORS REPORTSRichmond

Kansas City

Boston

St. Louis

Kansas City

St. Louis

First National Bank of Morgantown, Morgantown, West Virginia, proposed merger with The Peoples National Bank of Martinsburg, West Virginia, and Commerce Bank, Parkersburg, West Virginia -- report on competitive factors.

Submitted, December 1, 1993.Johnson County Bank, Elk Creek, Nebraska, and Home

State Bank & Trust Company, Humboldt, Nebraska, proposed merger with American National Bank, Nebraska City, Nebraska -- report on competitive factors.

Submitted, December 1, 1993.Lafayette American Bancorp, Inc., Hamden,

Connecticut, proposed merger with Lafayette American Bank and Trust Company, Bridgeport, Connecticut -- report on competitive factors.

Submitted, December 2, 1993.Merchants and Planters Bank, Newport, Arkansas,

proposed acquisition of certain assets and assumption of the deposit liabilities of the McCroy, Arkansas, branch of Central Bank and Trust, Little Rock, Arkansas -- report on competitive factors.

Submitted, November 29, 1993.Northern Bank, Omaha, Nebraska, proposed merger with

American National Bank -- report on competitive factors.

Submitted, December 1, 1993.Sullivan-Peoples State Bank, Sullivan, Indiana,

proposed merger with First Bank and Trust Company of Clay County, Brazil, Indiana -- report on competitive factors.

Submitted, December 3, 1993.San Francisco Sunrise Bank of California, Roseville, California,

proposed merger with Barbary Coast National Bank, San Francisco, California -- report on competitive factors.

Submitted, December 2, 1993.




COMPETITIVE FACTORS REPORTSKansas City

Chicago

EXTENSIONS OF TIME

Sunwest Bank of Sandoval County, NationalAssociation, Rio Rancho, New Mexico, proposed merger with Sunwest Bank of Albuquerque, National Association, Albuquerque, New Mexico -- report on competitive factors.

Submitted, December 1, 1993.Westfield State Bank, Westfield, Illinois,

proposed merger with WSB Interim Bank -- report on competitive factors.

Submitted, November 29, 1993.

Minneapolis BANKFIRST Corporation, Inc., Brookings, SouthDakota -- extension to March 2, 1994, to acquire BANKFIRST, Minneapolis, Minnesota.

Granted, December 1, 1993.Richmond FB&T Financial Corporation, Fairfax, Virginia --

extension to February 28, 1994, to acquire Fairfax Bank & Trust Company, and for FB&T to merge with FB&T Bank.

Granted, November 30, 1993.Atlanta Gulf Coast Bank Holding Company, Inc., New Orleans,

Louisiana -- extension to March 8, 1994, to acquire Gulf Coast Bank & Trust Company.

Granted, December 1, 1993.Minneapolis . Ridgedale State Bank, Minnetonka, Minnesota --

a extension to February 28, 1994, to engage in personal trust and agency activities.

Granted, November 30, 1993.Chicago Talen, Inc., Traer, Iowa -- extension to March 2,

1994, to acquire Farmers and Merchants Bank, Greenwood, Wisconsin.

Granted, November 29, 1993.Wells Fargo & Company, San Francisco, California --

extension to divest certain property.Granted, December 2, 1993.

San Francisco



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

MEMBERSHIPChicago

Chicago

Old Kent Bank of Hillsdale, Hillsdale, Michigan -- membership in the Federal Reserve System.

Withdrawn, November 29, 1993.Old Kent Bank of St. Johns, St. Johns, Michigan -- membership in the Federal Reserve System.

Withdrawn, November 29, 1993.RESERVE BANK OPERATIONS

Director, FRBO Federal Reserve Bank of New York --to purchase disk equipment to be used in the Open Market, Foreign Exchange, and Capital Markets functions.

Approved, November 29, 1993.



ADDITIONS AND CORRECTIONS

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

CHANGE IN BANK CONTROLWaubun Bancshares, Inc., Waubun, Minnesota -- change

in bank control.Not Approved, November 18, 1993.

ADDITIONS AND CORRECTIONSACTIONS TAKEN BY THE STAFF AND THE FEDERAL RESERVE BANKSUNDER DELEGATED AUTHORITY

CAPITAL STOCKChicago Greatbanc, Inc., Aurora, Illinois -- redemption of

shares.Returned, November 24, 1993.


FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY

Application Comment Period Ending DateNONE

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

Application Comment Period Ending DateNONE

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY

UNITEDCORP, Bangor, Maine Federal Register- 4(c)(8) application Not Yet Establishedto engage in trust activities ona joint venture basis throughthe acquisition of 51% of thevoting stock of Trust Company ofMaine, Inc., Bangor, Maine

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

Application

NONE


SECTION V - A V A ILA B ILITY OF CRA PUBLIC EVALUATIONS

Institution Examination Date Rating*Merrill Merchants Bank 01-29-93 "S"201 Main Street P.O. Box 925Bangor, Maine 04402-0925 Phone: (207) 942-4801

♦Rating Definitions: "0" - Outstanding; "S" - Satisfactory; "N"Needs toImprove; "SN" - Substantial Noncompliance.


Federal Reserve Bank of New York

Comment Period Ending Date

SECTION I

Applications Subject to Newspaper __________ Notice Only__________

Bank of Ayudhya Public Company Limited, Bangkok, Thailand to establish an agency in New York, New York N/A

SECTION II

Applications Subject to Both Newspaper and Federal Register Notice

None.

SECTION IIINonbanking Applications

(Subject to Federal Register Notice Only)

Chemical Banking Corporation, New York, New York, through CIT Holding, Inc., a joint venture with Dai-Ichi Kangyo Bank Ltd., Tokyo, Japan, to acquire Barclays Commercial Corporation, Charlotte, North Carolina and thereby engage in commercial finance. N/A

SECTION IVApplications Not Involving ______Public Comment______

None.SECTION V

Availability of CRA Public EvaluationsIn 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.


| to I to

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 December 4, 1993

NAME OF BANK RATING EXAMINATION DATE

United Jersey Bank Satisfactory June 14, 1993210 Main StreetHackensack, NJ 07601

1/ Subject to provisions of Community Reinvestment Act./ Later of dates specified in newspaper and Federal Register notices./ Date specified in newspaper notice; a later date may be specified in

the Federal Register notice.4/ Date specified in Federal Register notice; a later date may be

specified in the newspaper notice.N/A - Not Available


AVAILABILITY OF CRA PUBLIC EVALUATIONS

The following state member banks have been examined b y 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 3, 1993. If you are interested in obtaining a copy of theevaluation document, please contact the bank(s) directly.

IDENTIFICATION OF RATINGS

O- A n 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- A n 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 maimer consistent with its resources and capabilities.

NI- A n 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.

SN- 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 NAME/LOCATION

-Old Kent Bank - Southwest 136 East Michigan, Box 2769 Kalamazoo, Michigan 49003 616-337-6700

-Linden State Bank 100 North Meridian Street B o x 60Linden, Indiana 47955 317-339-4646

EXAMINATION DATE RATINGS

8/02/93 S

8/30/93 S


FOR THE WEEK ENDING DECEMBER 3, 1993 SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE

Federal Reserve Bank of St. Louis

Application End of Comment Period

None.


Application* Change in Control notification involving LBT

Bancshares, Inc., Litchfield, Illinois, by David W. Fleming (previously reported during the week ending 11/19/93).

* Change in Control notification involving Community Bancorp of McLean County Kentucky, Inc., Island, Kentucky, by James andSue Markwell.

End of Comment Period

Federal Register: 12/14/93

Not yet available

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE

Application End of Comment PeriodNone.

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

Application End of Comment Period

Section 24A application by First State Bankof Dongola, Dongola, Illinois, for an investmentin bank premises. N/A *

*This application is subject to CRA.


Federal Reserve Bank of Cleveland

Applications Bulletin For Week Ending December 4, 1993

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPERNOTICE ONLY

Received notice from The Provident Bank of * January 4, 1994Kentucky, Alexandria, Kentucky, on December 3, 1993, of its intent to establish a CBCT branch at Kwik Mart, 4147 Madison Pike,Covington, Kentucky.

Received notice from WesBanco Bank Wheeling, * December 10, 1993 Wheeling, West Virginia, on December 3, 1993, of its intent to establish a CBCT facility at Bethany College, Bethany, West Virginia.

Received prior notice from The Ohio Bank, * Not Yet Known #Findlay, Ohio, on November 22, 1993, of its intent to establish a branch facility at 98 North Main Street, Chagrin Falls, Ohio.


Received Section 3 (a)) (1) application from * Not Yet Known #Josephine Bancshares, Inc., Prestonburg,Kentucky, on December 2, 1993, to acquire The Bank Josephine, Prestonburg, Kentucky.

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTERNOTICE ONLY

Received Section 4(c) (8) application from December 27, 1993Cardinal Bancshares, Inc., Lexington, Kentucky,on October 7, 1993, to engage in securitiesbrokerage activities through a joint employmentarrangement with Compulife Investor Serviceswith its indirect subsidiary Mutual ServiceCorporation. *

* - Subject to CRAN - Newspaper Comment Period F - Federal Register Comment Period# - Expected to end approximately 30 days from date of

application's receipt.


Applications Bulletin For Week Ending December 4, 1993


Received Section 4(c)(8) application from Not Yet Known #National City Corporation, Cleveland, Ohio, onNovember 10, 1993, for prior approval to engagein investment and financial advice, underwritingand dealing in government obligations and moneymarket instruments, investment in securitieslimited to 5 percent or less of o/s voting sharesof any company, and private placements as agentthrough a subsidiary known as National CityInvestments Corporation.


NONE *

* - Subject to CRAN - Newspaper Comment Period F - Federal Register Comment Period# - Expected to end approximately 30 days from date of

application's receipt.


AVAILABILITY OF CRA PUBLIC EVALUATIONS(December 3, 1993)

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 3, 1993. 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.

NONE


Section I - Applications Subject to Newspaper Notice Only

Federal Reserve Bank of Richmond

Application Comment Period Ending Date

Triangle Bank and Trust Company,Raleigh, North Carolina, to establish a branch at 101 Advent Court, Cary,North Carolina.* 12-20-93

Crestar Bank, Richmond, Virginia, to acquire the assets and assume the liabilities of NVR Federal SavingsBank, McLean, Virginia.* 12-29-93

Section II - Applications Subject to Both Newspaper and Federal Register Notice


None.

Section III - Applications Subject to Federal Register Notice

Application

City Holding Company, Charleston, West Virginia, to engage de novo in making, acquiring, or servicing loans or other extensions of credit, to perform real estate appraisals and loan settlement services, and to offer, as agent or broker, credit-related insurance, through a subsidiary to be known as City Mortgage Corporation, McKee's Rocks, Pennsylvania.

F&M Bank Corp., Timberville, Virginia, to engage in community development activities.


12-13-93**

Not yet available.

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


None.

*Application is subject to CRA requirements.**Expiration of comment period specified in the Federal Register.


Federal Reserve Bank of RichmondAvailability of CRA Public Evaluations

Week ending December 3, 1993

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 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.

ExaminationDate Rating

Crestar Bank919 East Main StreetRichmond, Virginia 23219 5-17-93 Satisfactory

First Virginia Bank 6400 Arlington Boulevard Falls Church, Virginia 22046 7-12-93 Satisfactory

First Virginia Bank-Central 120 Seminole Square Charlottesville, Virginia 22906 9-8-93 Satisfactory

The George Mason Bank 11185 Main Street Fairfax, Virginia 22030 9-13-93 Satisfactory

First Commercial Bank 3801 Wilson Boulevard Arlington, Virginia 22203 9-20-93 Satisfactory


Federal Reserve Bank of AtlantaApplications Bulletin for Week Ending December 3, 1993

Section 1 - Applications Subject to Newspaper Notice Only


City First Bank 12-10-93*Tampa, Florida

To establish a branch located at 405 North Westshore Boulevard, Tampa, Florida, to be known as the Westshore Branch.

Section 2 - Applications Subject to Both Newspaper and Federal Register Notice


Hibernia Corporation Not yet available*New Orleans, Louisiana

To merge with Commercial Bancshares, Inc.,Franklin, Louisiana, and thereby directly acquire First Commercial Bank, Franklin,Louisiana, pursuant to Section 3(a)(5) of the Bank Holding Company Act.

Volunteer State Bancshares, Inc. 12-13-93*Portland, Tennessee Federal Register

After-the-fact change in control notice by C & C Construction Company, Portland,Tennessee, to retain 10.65 percent of the outstanding shares of common stock of Volunteer State Bancshares, Inc., Portland, Tennessee.Principals of C & C Construction Company are:Mr. Jeffery David Collins, Mr. Larry Joe Collins,Jr., Mr. Jason Leon Collins, Mr. Jonathan Ray Collins, and Mrs. Jaska Collins Sheucraft.

♦Subject to provisions of the Community Reinvestment Act.


Federal Reserve Bank of AtlantaApplications Bulletin for Week Ending December 3. 1993

Section 3 - Applications Subject to Federal Register Only-


Five Flags Banks, Inc. 12-23-93Pensacola, Florida

After-the-fact notice to retain Bank Data,Inc., Pensacola, Florida, pursuant to Section 4(c)(8) of the Bank Holding Company Act and Section 225.25(b)(7) of Regulation Y.

Section 4 - Applications Not Subject to Federal Register Notice or Newspaper Notice

Application

None.


Federal Reserve Bank of AtlantaApplications Bulletin for Week Ending December 3. 1993

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: Aninstitution 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-incomeneighborhoods, in a manner consistent with its resources and capabilities.

Satisfactory record of meeting community credit needs: Aninstitution 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: Aninstitution 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: Aninstitution 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.

ExaminationBank Rating Date

None.


Federal Reserve Bank of Chicago


EFT

Type

EFT

EFT

EFT

EFT

EFT

Section I - Applications Subject to NewspaperNotice Only

Application

The Northern Trust Company Chicago, IllinoisNorthwestern University Norris Center 1999 S. Campus Drive Evanston, Illinois*

The Northern Trust Company Chicago, IllinoisNorthwestern Universi ty Wiebold Hall 339 East Chicago Chicago, Illinois*

The Northern Trust Company Chicago, IllinoisNorthwestern University Sports and Aquatic Center 2379 N. Campus Drive Evanston, Illinois*

The Northern Trust Company Chicago, Illinois Walgreens Store 11040 S. Michigan Avenue Chicago, Illinois*

The Northern Trust Company Chicago, Illinois Walgreens Store 1360 N. Pulaski Chicago, Illinois*

The Northern Trust Company Chicago, Illinois Walgreens Store 5036 S. Cottage Grove Chicago, Illinois*

The Northern Trust Company Chicago, Illinois 181 Madison Chicago, Illinois*

N - 11-28-93

N - 11-28-93

N - 11-28-93

N - 11-28-93

N - 11-28-93

N - 11-28-93

EFT N 11-28-93


EFT

Type

EFT

Branch

Branch

Oakar

Section I - Applications Subject to NewspaperNotice Only (continued)

Application

The Northern Trust Company Chicago, Illinois 2 ® Brookfield Zoo Brookfield, Illinois*

American Trust & Savings Bank Dubuque, Iowa

Wal-Mart, 4200 Dodge Street Dubuque, Iowa*

First of America Bank - West Michigan N - 11-28-93Grand Rapids, Michigan

4646 28th Street, Southeast Kentwood, Michigan*

First of America Bank - West Michigan N - 11-28-93Grand Rapids, Michigan5455 Clyde Park, Southwest Wyoming, Mi chigan*

Republic Bancorp Co. N - 11-20-93Orland Park, IllinoisFirst Cook Community Bank, FSB Chicago, Illinois*

New Asia Bank Chicago, Illinois

8301 Cass Avenue Darien, Illinois*



N - 11-28-93

N - 12-8-93

Branch/24A N **



Y-i

Type

Section II - Applications Subject to Both Newspaper and FederalRegister Notice

Comment PeriodApplication Ending Date

CoC-HC

CoC-HC

Y - l

Y-2

Y-2

Y-2

East Side Financial, Inc.Chicago, IllinoisEast Side Savings Bank Chicago, Illinois*

Wabeno Bancorporation, Inc.Venice, FIoridaVerle Burgason & JoAnn Burgason

Wabeno Bancorporation, Inc.Venice, Florida Connie Ryan Trust

Republic Bancorp Co.Orland Park, Illinois MAH Bancorp, Inc.Orland Park, Illinois Republic Bank of Chicago Chicago, Illinois APL Financial, Inc.Chicago, IllinoisFirst Cook Community Bank, FSBChicago, Illinois*

Gore-Bronson Bancorp, Inc.Prospect Height, Illinois Water Tower Bancorp, Inc.Chicago, Illinois Water Tower Bank Chicago, Illinois*

Comerica California Incorporated San Jose, CaliforniaPacific Western Bancshares, Inc. San Jose, California Pacific Western Bank San Jose, California*

Comerica Incorporated Detroit, MichiganPacific Western Bancshares, Inc.- San Jose, California Pacific Western Bank San Jose, California*

(100%)

FR - 11-19-93 N - 12-17-93

FR - ** N - **

FRN

FRN

****

**11-20-93

FR - 11-26-93 N - 12-3-93

FR - 11-29-93 N - 11-29-93

FR - 11-29-93 N - 11-29-93




(Continued)Comment Period

Type Application Ending Date

Y-2 Comerica Incorporated FR - 12-29-93Detroit, Michigan N - 11-29-93

Pacific Western Bancshares, Inc. -- (19.9%)ScLn Jose, California Pacific Western Bank San Jose, California*

Y-l Hasten Bancshares FR - 12-2-93Indianapolis, Indiana N - 12-20-93Hasten Bancorp Indianapolis, Indiana First National Bank Kokomo, IndianaSullivan-Peoples State Bank * *Farmersburg, IndianaFirst Bank & Trust Co. of Clay County Brazil, IndianaHasten Financial Services, Inc.Indianapolis, Indiana*

Y-l

Y-l

Y-2

Y-l

LeRoy C. Darby, Inc. Employee Ownership Plan

Monona, IowaLeRoy C. Darby, Inc.Monona, Iowa Union State Bank Monona, Iowa Peoples State Bank Elkader, Iowa*

Bancorp, of New Glarus, Inc.New Glarus, Wisconsin

The Bank of New Glarus New Glarus, Wisconsin*

Lincolnland Bancshares, Inc.Casey, IllinoisWestfield State Bank Westfield, Illinois*

Rudolph Bancshares, Inc.Rudolph, WisconsinFarmers and Merchants Bank Rudolph, Wisconsin*

Stock FR - 12-2-93N - 11-17-93

FR - 12-13-93 N - 11-8-93

FR - 12-16-93 N - 12-4-93

FR - 12-23-93 N - **




(Continued)Comment Period

Type Application Ending Date

Y-2 F & M Bancorporation, Inc. FR - 12-23-93Kaukauna, WisconsinPulaski Bcmcshares, Inc. Pulaski, Wi sconsin Pulaski State Bank Pulaski, Wi sconsin*

N - 12-20-93

Y-2 F & M Merger Corporation FR - 12-23-93Kaukauna, WisconsinPulaski Bancshares, Inc. Pulaski, Wi sconsin Pulaski State Bank Pulaski, Wisconsin*

N - 12-20-93

CoC-HC The Newburg Corporation FR . * *St. Ansgar, IowaHal B. McKinley & Audrey M. McKinley

N _ ★ *

Y-2 ANB Corporation FR - 11-12-93Muncie, Indiana

Winchester Bancorporation Winchester, Indiana Peoples Loan and Trust Bank Winchester, Indiana*

N - 12-16-93

Y-2 First Community Bancshares, Inc. FR - **Bargersville, Indiana First State Bank Morgan town, Indiana *

N _ **

CoC-HC GN Bancorp, Inc. FR . **Chicago, Illinois Ronald Howard Muck

N . * *

CoC-HC Peotone Bancorp, Inc. FR . **Peotone, IllinoisCraig L. Campbell; Douglas L. Campbell and Scott L. Campbell

N - **

Y-2 Central Bancshares, Inc. FR . **Muscatine, Iowa

FSB Holding Company Kalona, Iowa Farmers State Bank Kalona, IowaWest Chester Savings Bank West Chester, Iowa*

N . **


Section III - Applications Subject to Federal RegisterNotice Only


Y-4

Type

4 (c) (8)

Y-4

4 (c) (8)

Y-4

4 (C) (8)

Application

Hasten Bancshares Indianapolis, IndianaHasten Financial Services, Inc.Indianapolis, Indiana

Edgemark Financial Corporation Chicago, IllinoisEdgemark Financial Services, Inc.Countryside, Illinois

Northern Trust Corporation Chicago, IllinoisNorthern Futures Corporation Chicago, Illinois -- executing and clearing of certain non financial commodity futures and options of the Index and Option Division of the Chicago Mercantile Exchange and the Chicago BOT and New York Mercantile Exchange

First Midwest Bancorp, Inc. FR - 12-13-93Naperville, IllinoisFirst Midwest Mortgage, Inc.Joliet, Illinois

Hawkeye Bancorporation FR - 12-17-93Des Moines, Iowa

Centre Pointe Leasing Co., Inc.Nest Des Moines, Iowa

Weldon Bancshares, Inc. FR - 12-13-93Weldon, IllinoisWeldon Insurance Service Weldon, Iowa


FR - 12-2-93

FR - 12-2-93

FR - 12-21-93



Section III - Applications Subject to Federal RegisterNotice Only (Continued)

Y-4

Type

Y-4

4 (c) (8)

Y-4

Y-4


Old Kent Financial Corporation FR - **Grand Rapids, MichiganCDC--Grand Rapids Hope Limited Partnership IIGrand Rapids, Michigan - - invest in low income transitional housing project for women and children

Iowa National Bankshares Corp. FR - **Wa terloo, IowaMidAmerica Financial Corporation Waterloo, IowaMidAmerica Savings Bank, FSB Waterloo, Iowa

FBOP Corporation FR - **Oak Park, IllinoisEngage de novo in the acquisition of loans from its insured subsidiaries

Republic Bancorp Co. (a Delaware FR - **Corporation)

Orland Park, Illinois APL Financial, Inc.Chicago, IllinoisFirst Cook Community Bank, FSBChicago, Illinois

Republic Bancorp Co. (an Illinois FR - **Corporation)

Orland Park, Illinois APL Financial, Inc.Chicago, IllinoisFirst Cook Community Bank, FSBChicago, Illinois



Section IV - Applications Not Subject to Federal Register or NewspaperNotice

Type

RoS

RoS

Application

Greenwood's Bancorporation, Inc.Lake Mills, WisconsinRedeem up to 2,383 shares of its issued and outstanding common stock

The Newburg Corporation St. Ansgar, IowaRedeem 19,594 shares (24.25%) of its common stock

N - NewspaperFR - Federal Register* - Subject to Provisions of Community Reinvestment Act ** - Not available at this time


FEDERAL RESERVE BANK OF PHILADELPHIA



Meridian Bank, Reading, Pennsylvania, requests approval to establish a branch office, an in-store branch facility to be located at the Scot's Low Cost Store, 801 Loyalsock Avenue, Montoursville, Pennsylvania, pursuant to Section 9 of the Federal Reserve Act. Expedited branch procedures. (Note: the previous date of expiration of com. period for this particular branch was stated as 12/6/93 in error.)

Newspaper comment period ends: 12/20/93

SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICECoreStates Financial Corporation. Philadelphia, PA, requests approval to acquire 100% of the voting shares of Constellation Bancorporation, Elizabeth, New Jersey, pursuant to Section 3(a)(5) of the Bank Holding Company Act of 1956.

Newspaper comment period ends: 12/23/93Fed. Reg. Comment Period Expires: 12/30/93

National Penn Bancshares, Boyertown, PA, to acquire up to 21.4% of the voting shares of First State Bank, Wilmington, DE, pursuant to Section 3(a)(3) of the Bank Holding Company Act.

Newspaper comment period ends: 12/20/93Fed. Reg. Comment Period Expires: 12/23/93

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLYDauphin Deposit Corporation, Harrisburg, Pennsylvania, to establish a de novo loan production office subsidiary, Farmers Maryland, Inc., Owings Mills, Maryland, pursuant to § 4(c)(8) of the Bank Holding Company Act and § 225.25(b)(1) of the Board's Regulation Y.

Fed. Reg. Comment Period Expires: 12/13/93

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

NONE.

1/ Subject to provisions of Community Reinvestment Act. * N/A - not yet available.


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 3* 1993Identification of RatingsIn 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 mode rate-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 mode rate-income neighborhoods, in a manner consistent with its resources and capabilities.

Bank/Location Examination Date CRA RatingNone •


FEDERAL RESERVE BANK OF ST. LOUIS

St. Louis, Missouri

AVAILABILITY OF CRA PUBLIC DISCLOSURES

Identification of Ratings:

Outstanding record of meeting community credit needs


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


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.

FOR THE WEEK ENDING December 3, 1993

Name of Bank Bank Address ExaminationDate

ExaminationRating

None


FEDERAL RESERVE BANK OF MINNEAPOLISSection I - Applications Subject to

Newspaper Notice Only


None.


Application

Community First Bankshares, Inc. Fargo, ND

To acquire 98.83% of the voting shares of the Bank of Spooner, Spooner, WI*

Northwest Equity Corp.Amery, WI

Northwest Savings Bank Amery, WI*

Philip AmundsonTo acquire control of 39.83% of (Newspaper)the voting shares of Beulah Bancorporation, Inc., Sioux Falls, SD

John Franklin, Donald & Leona Steinbeisser, Joe & MaryAnn (Newspaper)Steinbeisser, Jr., Rodney Prewitt, Chantz Prewitt, Duane & Sheryl Douglas, Marvin & Marcia Holas, Walter & Karen McNutt, and Hugo & Elaine Asbeck

To acquire control of 79.70% of the voting shares of 1st United Bancorporation, Inc., Sidney, MT


Not yet available

Not yet available

12-27-93

12-18-93

*Subject to CRA


FEDERAL RESERVE BANK OF MINNEAPOLIS

Section III - Applications Subject to Federal Register Notice Only

Application

First Bank Holding Company, Inc. Harvey, ND

To engage in general insurance agency activities through the acquisition of Harvey Insurance Agency, Inc., Harvey, ND

Security Richland Bancorporation Miles City, MT

To engage de novo in investment or financial advice.

Northwest Equity Corp.Amery, WITo engage de novo in making and servicing loans.

Zappco, Inc.St. Cloud, MN

To engage de novo in management consulting to depository institutions .


12-27-93

12-27-93

Not yet available

Not yet available

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

Application

1st United Bancorporation, Inc. Sidney, MT

To redeem 40.2% of its voting shares.


FEDERAL RESERVE BANK OF MINNEAPOLISSection V - Availability of

CRA Public Evaluations week ending December 3, 1993

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.


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.


SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.

An institution in this group has a substantially deficient record cf 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

None.


Federal Reserve Bank of Kansas City


APPLICATION COMMENT PERIOD ENDING DATE

None.



Community First Bankshares, Inc., Denver, Colorado, for prior approval to acquire 100 percent of the voting shares of The Bank of Cherry Creek, N.A., Denver, Colorado, Mesa National Bank, Grand Junction, Colorado, Western National Bank of Colorado, Colorado Springs, Colorado, and Bank of Southern Colorado, Pueblo West, Colorado.*Sack Family Partnership, York, Nebraska, for prior approval to acquire 99.96 percent of the voting shares of York State Company, York, Nebraska.*Commerce Bancshares, Inc., and CBI- Central Kansas, Inc., both of Kansas City, Missouri, for prior approval to acquire 100 percent of the voting shares of The Walnut Valley Corporation, El Dorado, Kansas.*

Not Available

Not Available

Not Available

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY


None.


APPLICATION

First National Bancshares of Not AvailableWeatherford, Weatherford, Oklahoma,for prior approval to redeem 5,808shares of its own voting commonstock.



SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS

Identification of Ratings

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

Outstanding record of meeting community credit needsAn 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 needsAn 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 needsAn 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 needsAn 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 Exam DateCRA Public

DateCRA

Ratinq

Uinta County State Bank 128 North Birch Street Mountain View, Wyoming 82939

08-30-93 11-29-93 SubstantialNoncompliance

Union Colony Bank P.0. Box 961Greeley, Colorado 80632-0961

08-23-93 12-02-93 Satisfactory

Deuel County State Bank P.O. Box 548Chappell, Nebraska 69129

08-30-93 12-02-93 Outstanding



Citizens Bank 08-30-93 12-02-93P.O. Box 888Lawton, Oklahoma 73502-0888 *

*Application is subject to CRA.

Outstanding


FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN

APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF NOVEMBER 29, 1993


APPLICATION

None.


NOTICE EXP

APPLICATION ** NOTICE EXP

*Section 3(a)(1) application by First Eldorado Bancshares, Inc., Eldorado, TX, to acquire First Eldorado Delaware Bancshares, Inc., Dover, DE, and The First National Bank of Eldorado, Eldorado, TX 93/09/13

*Section 3(a)(1) application by First Eldorado Delaware Bancshares, Inc., Dover, DE, to acquire The First National Bank of Eldorado, Eldorado, TX 93/09/13

^Section 3(a)(3) application by First Financial Bankshares, Inc., Abilene, TX, to acquire Concho Bancshares, Inc., San Angelo, TX, and Southwest Bank of San Angelo, San Angelo, TX 93/12/28

*Section 3(a)(3) application by First Abilene Bankshares of Delaware, Inc., Wilmington, DE, to acquire Concho Bancshares, Inc., San Angelo, TX, and Southwest Bank of San Angelo, San Angelo, TX 93/12/28

Change in Control Notice byHeritage Financial Corporation Employee Stock Ownership Bonus Plan, Ruston, LA, to acquire an interest in Heritage Financial Corporation, Ruston, LA N/A

Change in Control Notice byEarl Delbert Horton, Dallas, TX, and Michael Bruce Witcher, Windom, TX, to acquire an interest in Cooper Lake Financial Corporation, Cooper, TX (Previously reported during the week of 10-25-93)

93/12/16



APPLICATION NOTICE EXP

None.


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 NOVEMBER 29, 1993

Outstanding record of meeting community credit needs.


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.

BankDate of

Examination CRA Rating

None.


FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 12/03/93

Section I - Applications Subject to Newspaper Notice Only


West One Bank, Utah, Salt Lake City, Newspaper: Not availableUtah, to establish a branch office at 1283 Deer Valley Drive, Park City, Utah. *


California Bancshares, Inc., San Ramon, Newspaper: 12/30/93California, to acquire Modesto BankingCompany, Modesto, California. * Fed. Reg.: Not available

Section III - Applications Subject to Federal Register Notice Only

The Dai-Ichi Kangyo Bank, Limited, Tokyo, Fed. Reg.: Not availableJapan, to acquire Barclays Commercial Corporation, Charlotte, North Carolina, through The CIT Group Holdings, Inc.,New York, New York.

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

None

* Subject to CRA.


FEDERAL RESERVE BANK OF SAN FRANCISCO (cont'd.)

Week Ending 12/03/93

Section V - Availability of CRA Public Evaluations

The CRA public evaluations of the institution(s) below became available during the week ending December 3, 1993. Information about a particular institution's CRA evaluation may be obtained directly from the institution.

Institution Location Examination Date Rating*

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 hasan 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 hasa 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 institutionneeds 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 resouces and capabilities

Substantial noncompliance in meeting community credit needs: An institutionhas 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 resouces and capabilities


h.2 actions of the board, its staff, and the federal ... · richmond rockingham heritage bank,...

Documents