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ANNOUNCEMENTBOARD OF GOVERNORS

OF THEFEDERAL RESERVE SYSTEM

H.2, 1996, No. 30Actions of the Board, its Staff, and

the Federal Reserve Banks; Applications and Reports Received

During the Week Ending July 27, 1996

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

TESTIMONY AND STATEMENTSGeneral Accounting Office report on the Federal

Reserve - - statement by Chairman Greenspan before the Senate Committee on Banking, Housing, and Urban Affairs, July 26, 1996.

Published, July 26, 1996.Trends in consumer lending and their effect on U.S.

commercial banks -- statement by Governor Yellen before the Subcommittee on Financial Institutions and Regulatory Relief of the Senate Committee on Banking, Housing, and Urban Affairs, July 24, 1996.

Authorized, July 24, 1996.

BANK HOLDING COMPANIESFirst Southern Bancorp, Inc., Stanford, Kentucky --

to acquire Lincoln Financial Bancorp, Inc., and Lincoln Federal Savings Bank.

Approved, July 22, 1996.Perryton Bancshares, Inc., Perryton, Texas ** to

acquire Perryton National Bank.Approved, July 22, 1996.Texas Financial Bancorporation, Inc., Minneapolis,

Minnesota; First Bancorp, Inc., Denton, Texas; and First Delaware Bancorp Inc., Dover, Delaware ** to acquire Riverside National Bank, Grand Prairie, Texas.

Approved, July 22, 1996.

ENFORCEMENTBangkok Metropolitan Bank, PCL, Bangkok, Thailand --

order to terminate and statement issued jointly with the New York State Banking Department and the California State Banking Department.

Announced, July 25, 1996.

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

H.2JULY 22, 1996 TO JULY 26, 1996PAGE 2

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

INTERNATIONAL OPERATIONSCitibank Overseas Investment Corporation, New Castle,

Delaware -- to make an investment in Citioank Canada Real Estate Limited, Toronto, Ontario, Canada, and to engage in real estate brokerage activities.

Permitted, July 22, 1996.

REGULATIONS AND POLICIESFederal Reserve Act -- request for Board’s views

concerning proposed repeal of section 11 Cm), dealing with loans secured by stock.


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 Director for Management

BANK BRANCHES. DOMESTICDallas

Chicago

Chicago

Chicago

Bank of the West, El Paso, Texas -- to establish a branch at the Northeast corner of Montwood Drive and Firestone Drive.

Approved, July 22, 1996.Citizens Bank, Flint, Michigan --to establish a

branch at 32200 Schoolcraft Road, Livonia,Michigan.

Approved, July 26, 1996.DeMotte State Bank, DeMotte, Indiana -- to establish

a branch at 507 South Main Street, Hebron, Indiana.Approved, July 23, 1996.F&M Bank, Kaukauna, Wisconsin -- to establish a

branch at 1901 East Main Street, Little Chute, Wisconsin.




ACTIONS TAKEN BY THE STAFF AND THE FEDERAL R ES ER VE BATIKS UNDER DELEGATED AUTHORITY

BANK BRANCHES, DOMESTICCleveland Fifth Third Bank of Northeastern Ohio, Cleveland,

Ohio --to establish a branch at 4948 Turney Road, Garfield Heights, Ohio.

Approved, July 24, 1996.San Francisco First Security Bank of Nevada, Las Vegas, Nevada --

to establish a branch at 9003 West Sahara, Las Vegas, Nevada.

Approved, July 25, 1996.Richmond First Virginia Bank, Falls Church, Virginia --to

establish a branch at the intersection of Algonkian Parkway and Hardwood Forest Drive, Sterling, Virginia.

Approved, July 24, 1996.Secretary U.S. Bank of Utah, Salt Lake City, Utah --

establishment of branches at 200 North Market Place Drive, Centerville; and 700 South Park Centre Drive, Midvale, Utah.

Approved, July 23, 1996.BANK HOLDING COMPANIES

Atlanta

St. Louis

Cleveland

Kansas City

Appalachian Bancshares, INC., Ellijay, Georgia --to acquire Gilmer County Bank.

Approved, July 24, 1996.Boatmen’s Bancshares, Inc., St. Louis, Missouri,

request for waiver of application to merge Boatman’s Oklahoma, Inc., St. Louis, Missouri, and BBIKansas, Inc., Wichita, Kansas.

Granted, July 25, 1996.Citizens Bancshares, Inc., Salineville, Ohio -- to

acquire The Navarre Deposit Bank Company, Navarre, Ohio.

Approved, July 25, 1996.Community Bancshares Employee Stock Ownership Plan, Neosho, Missouri, and Community Bancshares, Inc. -- to engage de novo in mortgage banking activities through Community Bancshares Mortgage Company.




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

BANK HOLDING COMPANIESDirector, BS&R Compass Bancshares, Inc., Birmingham, Alabama --

Secretary

request for waiver to file additional applications. Granted, July 24, 1996.CU Bancorp, Encino, California --to merge with Home

Interstate Bancorp, Signal Hill, California, and acquire Home Bank.

Approved, July 24, 1996.San Francisco Dartmouth Capital Group, Inc., Encinitas, California,

New York

and Dartmouth Capital Group, L.P. -- to acquire SC Acquisition Corp., Huntington Beach, California.

Approved, July 22, 1996.Dresdner Bank AG, Frankfurt (Main), Germany --to

engage in lending activities through Dresdner Bridge Investors, Inc., New York, New York.

Approved, July 26, 1996.Chicago Farmers State Bancshares, Inc., Mason City, Iowa --

to acquire Farmers State Bank, Grafton, Iowa. Approved, July 25, 1996.

Kansas City First Bancorp, Inc., Oklahoma City, Oklahoma -- to acquire and merge with Comban Shares, Inc., Warr Acres, Oklahoma.

Approved, July 24, 1996.Atlanta First Southern Bancshares, Inc., Lithonia, Georgia --

notification of intent to acquire certain assets of American Financial Mortgage Corp., Decatur,Georgia, and engage in mortgage lending activities.

Permitted, July 22, 1996.Atlanta Gulf West Banks, Inc., St. Petersburg, Florida --

notification of intent to acquire Liberty Leasing Corporation, Tampa, Florida, and engage in leasing activities.





BANK HOLDING COMPANIESChicago Hinsbrool< Bancshares, Inc., Willowbrook, Illinois -

notification of intent to acquire shares of Northern Illinois Financial Services, LLC, and ServeCorps Mortgage Services, LLC, Downers Grove, Illinois, and engage in lending activities.

Permitted, July 26, 1996.Chicago Landmark Financial Group, Inc., Belvidere, Illinois

- to acquire Alpine Bancorporation, Inc., Rockford Illinois, and acquire Alpine Bank of Illinois, Rockford, Illinois.

Approved, July 23, 1996.Atlanta Meriwether Bank Shares, Inc., Greenville, Georgia --

to acquire The Greenville Banking Company. Approved, July 25, 1996.

Minneapolis Montana Security, Inc., Havre, Montana -- to acquire First Security Bank of Havre.

Approved, July 26, 1996.Minneapolis Norwest Corporation, Minneapolis, Minnesota -- to

engage de novo in data processing services for a real estate database through Information Services of the Rocky Mountain LLC, Boulder, Colorado, a joint venture with Boulder Area Board of Realtors, Inc., and Longmont Association of Realtors, Inc.

Permitted, July 26, 1996.Minneapolis Norwest Corporation, Minneapolis, Minnesota, Norwest

Financial Services, Inc., Des Moines, Iowa, and Norwest Financial, Inc. -- notification of intent to engage in consumer lending and credit-related insurance through the acquisition of certain asset of Sunburst Financial Services, Inc., Jackson, Mississippi d/b/a Rapid Finance, Inc.

Permitted, July 26, 1996.Minneapolis Norwest Corporation, Minneapolis, Minnesota -- to

engage in data processing activities through the merger of Central Computers, Inc., Victoria, Texas with Norwest Technical Services, Inc., Minneapolis Minnesota.



H . 2JULY 22, 1996 TO JULY 26, 1996PAGE 6


BANK HOLDING COMPANIES

Chicago Palos Bancshares, Inc., Palos Heights, Illinois -- notification of intent to acquire shares of Northern Illinois Financial Services, LLC, Willowbrook, Illinois, and acquire Serve Corps Mortgage Services, LLC, Downers Grove, Illinois, and engage in lending activities.


Minneapolis Peterka Family Partnership, Miller, South Dakota -- to acquire M&H Financial Services, Inc.

Approved, July 23, 1996.Kansas City R. Banking Limited Partnership, Oklahoma City,

Oklahoma -- to acquire shares and to merge with Commerce Bancorporation, Inc., McLoud; and BancFirst Corporation, Inc., Oklahoma City; and for BancFirst to merge with The Bank of Commerce, McLoud, Oklahoma.


Chicago St. Joseph Capital Corporation, South Bend, Indiana - - to acquire St. Joseph Capital Bank, Mishawaka, Indiana.

Withdrawn, July 23, 1996.

Dallas San Angelo Bancorp, Inc., Dover, Delaware -- to acquire Texas State Bank, San Angelo, Texas.

Returned, July 22, 1996.

San Francisco SC Acquisition Corp., Huntington Beach, California -- to acquire Commerce Security Bank, Sacramento, California.

Approved, July 22, 1996.St. Louis Sharon Bancshares, Inc., Sharon, Tennessee -- to

engage de novo in full-service brokerage activities.



H. 2JULY 22, 1996 TO JULY 26, 1996PAGE 7


BANK HOLDING COMPANIESDirector, BS&R Stichting Prioriteit ABN AMRO Holding, Amsterdam, The

Netherlands, Stichting Administratiekantoor ABN AMRO Holding, ABN AMRO Holding N.V., ABN AMRO Bank N.V., ABN AMRO North America, Inc., Chicago, Illinois, and LaSalle Bank, F.S.B. -- extension of commitment to divest certain property.

Granted, July 22, 1996.Dallas Texas Bancorp, Inc., San Angelo, Texas -- to acquire

San Angelo Bancorp, Inc., Dover, Delaware, and Texas State Bank, San Angelo, Texas.

Returned, July 22, 1996.Richmond Union Bankshares Corporation, Bowling Green, Virginia

-- to acquire King George State Bank, Inc., King George, Virginia.

Approved, July 25, 1996.BANK MERGERS

Kansas City

Secretary

Chicago

Secretary

Boulder Valley Bank & Trust, Boulder, Colorado --to merge with Mountain Parks Bank-East, Evergreen; Mountain Parks Bank-West, Breckenridge; and The Bank of Louisville, Louisville, Colorado.


Compass Bank, Jacksonville, Florida --to merge with Community First Bank and to establish branches.

Approved, July 22, 1996.DeMotte State Bank, DeMotte, Indiana -- to purchase

and assume the liabilities of the Hebron, Indiana, branch of First Chicago/NBD Bank, N.A., Indianapolis, Indiana, and establish a branch.

Approved, July 23, 1996.Home Bank, Signal Hill, California --to merge with

California United Bank, N.A., Encino, California, and to establish branches.





BANKS, STATE MEMBER

Director, BS&R Bank of Suffolk, Suffolk, Virginia - registration as transfer agent.

Withdrawn, July 23, 1996.

Director, BS&R Enterprise Bank & Trust Company, Winston-Salem, NorthCarolina -- registration as transfer agent.

Withdrawn, July 24, 1996.Dallas

CHANGE IN BANK CONTROL

Western Bank, Lordsburg, New Mexico -- payment of a dividend.


Dallas Farmersville Bancshares, Inc., Farmersville, Texas -- change in bank control.

Permitted, July 23, 1996.Minneapolis Kandi Banc Shares, Inc., New London, Minnesota --

change in bank control.Permitted, July 24, 1996.

Dallas Thorndale Bancshares, Inc., Thorndale, Texas -- change in bank control.

Permitted, July 24, 1996.COMPETITIVE FACTORS REPORTS

Richmond Atlantic Federal Savings Bank, Baltimore, Maryland, Reistertown Federal Savings Bank, Reistertown, Maryland, and Fairfax Savings Bank, Baltimore, Maryland, proposed merger with AFR Bank, Baltimore, Maryland -- report on competitive factors.

Submitted, July 22, 1996.St. Louis Chester National Bank of Missouri, Perryville,

Missouri, proposed purchase of the assets and assumption of the liabilities of the Perryville, Missouri, branch of Chester Savings 3ank, FSB, Chester, Illinois -- report on competitive factors

Submitted, July 24, 1996.




COMPETITIVE FACTORS REPORTSDallas

Dallas

Philadelphia

Kansas City

City National Bank, Whitehouse, Texas, proposed merger with Tyler Bank & Trust, National Association, Tyler, Texas -- report on competitive factors.

Submitted, July 26, 1996.Compass Bank-Central Texas, Belton, Texas, proposed

merger with Compass Bank, Houston, Texas -- report on competitive factors.

Submitted, July 26, 1996.Felton Bank, Felton,, Delaware, proposed merger with

Felton Interim Bank -- report on competitive factors.

Submitted, July 25, 1996.First American Bank & Trust Co., Purcell, Oklahoma,

proposed merger with Bank of Garber, Garber, Oklahoma -- report on competitive factors.

Submitted, July 25, 1996.Kansas City First Fidelity Bank, N.A., Oklahoma City, Oklahoma,

proposed acquisition of the assets and assumption of the liabilities of Community Bank and Trust Company, Warr Acres, Oklahoma -- report on competitive factors.

Submitted, July 22, 1996.Minneapolis

Cleveland

First National Bank of Glenwood, Glenwood City,Wisconsin, proposed purchase of certain assets and assumption of certain liabilities of the Spring Valley, Wisconsin, branch of M & I Community State Bank, Eau Claire, Wisconsin -- report on competitive factors.

Submitted, July 25, 1996.First Southern National Bank of Lincoln County,

Hustonville, Kentucky, proposed purchase of assets and assumption of liabilities of the main office and Stanford office of Lincoln Federal Savings Bank, Stanford, Kentucky -- report on competitive factors.





COMPETITIVE FACTORS REPORTS

New York

Dallas

St. Louis

St. Louis

EXTENSIONS OF TIME

New York

Fleet Trust Company, Rochester, New York, proposed merger with Shawmut Trust Company, New York, New York -- report on competitive factors.

Submitted, July 22, 1996.Peoples Bancshares, Inc., Belton, Texas, proposed

merger with Compass Bank-Central Texas -- report on competitive factors.

Submitted, July 26, 1996.Union Planters Bank of Middle Tennessee, Nashville,

Tennessee, proposed purchase of certain assets and assumption of certain liabilities of Union Planters National Bank, Memphis, Tennessee -- report on competitive factors.

Submitted, July 25, 1996.Union Planters National Bank, Memphis, Tennessee,

proposed purchase of certain assets and assumption of certain liabilities of Union Planters Bank of Northwest Mississippi, Clarksdale, Mississippi, and Union Planters Bank of Mississippi, Grenada, Mississippi -- report on competitive factors.


Bessemer Group, Incorporated, Woodbridge, NewJersey -- extension to January 20, 1997, to engage de novo in establishing and serving as the general partner of Limited Partnerships investing through Bessemer Asset Management, Inc., New York, New York.

Granted, July 26, 1996.



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

MEMBERSHIPKansas City Farmers State Bank, Wallace, Nebraska -- to become a

member of the Federal Reserve System.Approved, July 23, 1996.

SECURITIES REGULATIONDirector, BS&R Over-the-counter stocks -- revised list of OTC stocks

subject to margin requirements, and a list of foreign margin stocks.

Published, July 26, 1996.



ADDITIONS AND CORRECTIONS

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

COMPETITIVE FACTORS REPORTSBoston Fleet Trust Company of Florida, N.A., Naples,

Florida, proposed merger with Fleet Trus N.A., Stuart, Florida -- report on compe factors.

Submitted, May 25, 1996.

rl- ch


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

Application Comment Period Ending DateMerrill Merchants Bancshares, Federal Register 08-09-96Inc., Bangor, Maine - 4(c)(8)notification to engage inmanagement consulting throughan indirect de novo subsidiary,M&M Consulting Limited Liability Company, Bangor, Maine

ApplicationSECTION IV - APPLICATIONS NOT SUBJECT TO

FEDERAL REGISTER OR NEWSPAPER NOTICE

NONE

SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS

Institution Examination Date Rating**Union Trust Company 3-25-96 "0"66 Main Street P.O. Box 479 Ellsworth, Maine 04605 (207) 667-2504

♦Subject to CRA.♦♦Rating Definitions: "0" - Outstanding; "S" - Satisfactory; "N" -

Improve; "SN" - Substantial Noncompliance.Needs to


FEDERAL RESERVE BANK OF NEW YORK

Comment PeriodEnding Date

SECTION I

Applications Subject to Newspaper ______Notice Only_____

The Chase Manhattan Bank, New York, New York, to merge with Chemical Bank New Jersey, NA, Morristown, New Jersey, andincident thereto to establish branches.!/ 08/23/96

SECTION II

Applications Subject to Both Newspaper and Federal Register Notice

Notice of Change in Bank Control by New York Central Mutual FireInsurance Company, Edmeston, New York, with respectto its acquisition of 13.62 percent of the shares of CNB FinancialCorp., Canajoharie, New York, a bank holding company with respectto Central National Bank, Canajoharie, New York. NA

Notice of Change in Bank Control by Robert Abplanalp Irrevocable Retained Annuity Trust, Bronxville, New York, to retain 16.3 percent

of the voting shares of Hudson Valley Holding Corp., Yonkers, New York. 08/09/96 2/

SECTION III

Nonbanking Applications /subject to Federal Register Notice Only 1

National Westminster Bank PLC, London, England, to acquireGreenwich Capital Holdings, Inc., Greenwich, Connecticut,and thereby to engage indirectly in underwriting and dealing, to alimited extent, in municipal revenue bonds, mortgage-related securities,commercial paper, and consumer receivable-related securities,privately placing all types of securities, riskless principal transactionsin securities, trading in foreign exchange and related derivativesfor its own account, intermediating in the interest rate and currency swapsmarkets and providing related advice, buying and selling goldand silver and derivatives thereof, underwriting, dealing and trading inbank-eligible securities, acting as a futures commission merchant forfinancial and nonfinancial futures and options on futures, providinginvestment and financial advice, arranging commercial real estate equityfinancing, providing commodities trading advice, making, acquiring andservicing loans and other extensions of credit, securities brokerageactivities, and leasing real or personal property on a full-payout basis. NA


SECTION IV

Applications 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.

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 July 27.1996

NAME OF BANK RATING EXAMINATION DATE

None.Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

1/ Subject to provisions of Community Reinvestment Act.2/ Later of dates specified in newspaper and Federal Register notices. 3/ 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


FEDERAL RESERVE BANK OF PHILADELPHIA

SECTION I - APPLICATIONS RECEIVED AND SUBJECT TO NEWSPAPERNOTICE ONLY

MidState Bancorp, Inc., Felton, DE to become a bank holding company by acquiring Felton Bank, Felton DE pursuant to section 3(a)(1) of the Bank Holding Company Act.

Newspaper comment period expires: N/Avail.

Pocono Community Bank, Strousburg, PA to become a member in the Federal Reserve System, pursuant to Section 9 of the Federal Reserve Act.

Newspaper comment period expires: 8/13/96

SECTION II - APPLICATIONS RECEIVED AND SUBJECT TO BOTH NEWSPAPERAND FEDERAL REGISTER NOTICE

Collective Bancorp, Inc., Cologne, NJ to become a bank holding company through the acquisition of Continental Bancorporation, Laurel Springs, NJ, pursuant to Section 3(a)(1) of the Bank Holding Company Act.

Federal Register comment period expires: 8/23/96 Newspaper comment period expires: N/Avail.

SECTION m - APPLICATIONS RECEIVED AND SUBJECT TO FEDERALREGISTER NOTICE ONLY

Collective Bancorp. Inc., Cologne, NJ to acquire Collective Bank, Egg Harbor, NJ, pursuant to Section 4(c)(8) of the Bank Holding Company Act and Section 225.25(b)(9) of Regulation Y.

Federal Register comment period expires: 8/23/96

Collective Bancorp, Inc., Cologne, NJ to acquire Collective Mortgage Services, Inc., Egg Harbor, NJ, pursuant to Section 4(c)(8) of the Bank Holding Company Act and Section 225.25(b)(1) of Regulation Y.




SECTION III - APPLICATIONS RECEIVED AND SUBJECT TO FEDERAL REGISTER NOTICE ONLY CONT’D

Collective Bancorp. Inc., Cologne, NJ to acquire Collective Financial Services, Egg Harbor, NJ, pursuant to Section 4(c)(8) of the Bank Holding CompanyAct and Section 225.25(b)(15) and Section 225.25(b)(8)(iii) of Regulation Y.


SECTION IV - APPLICATIONS RECEIVED AND NOT SUBJECT TO FEDERALREGISTER NOTICE OR NEWSPAPER

Fulton Financial Corporation. Lancaster, PA requests a relief of commitments to divest of certain investments held as a result of its acquisition of Central Pennsylvania Financial Corp.




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 July 26, 1996.

Identification 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 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 Examination Date CRA Rating

NONE NONE NONE


APPLICATIONS BULLETIN (For the week ending July 27. 1996)

SECTION I - APPLICATIONS SUBJECT TO NEW SPAPER NOTICE ONLY

NONE

SECTION II - APPLICATIONS SUBJECT TO BOTH NEW SPAPER AND FEDERALREGISTER NOTICE

NONE

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONLY

Received notice from American Bancorporation, Wheeling, August 8, 1996West Virginia, of its intent to acquire 51 percent of Premier Mortgage Limited, Columbus, Ohio, pursuant to Section 4(c)(8) of the Bank Holding Company Act.

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICEOR NEW SPAPER NOTICE

NONE *

* - Subject to CRAN - Newspaper Comment Period F - Federal Register Comment Period# - Expected to End 30 Days from Date of Receipt


AVAILABILITY OF CRA PUBLIC EVALUATIONS(July 26, 1996)

The following state member banks have been examined by the Federal Reserve Bank of Cleveland for compliance with The Community Reinvestment Act. A public evaluation document became available from the bank(s) listed below during the week ended July 26, 1996. If you are interested in obtaining a copy of an evaluation document, please contact the bank(s) directly.

There are four descriptive ratings for CRA:

OUTSTANDING: a bank in this group has an outstanding record of, and is a leader in, ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities.

SATISFACTORY: a bank in this group has a satisfactory record of ascertaining and 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 IM PROVE: 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 substantiallydeficient 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 Com City State Bank 120 West Main Street Deshler, OH 43516 Rating: Satisfactory Exam Date: 4-22-96 Disclosure Date: 7-22-96

The Provident Bank One East Fourth Street Cincinnati, OH 45202 Rating: Outstanding Exam Date: 9-25-95 Disclosure Date: 7-24-96


Federal Reserve Bank of Richmond

Section I - Applications Subject to Newspaper Notice Only

Application Comment Period Ending Date

F&M Bank-Blakeley, Ranson, West Virginia, to establish a branch at 1504 TuscawillaHills, Charles Town, West Virginia.* 8-24-96

First Community Bank, Inc., Buckhannon,West Virginia, to purchase certain assets and to assume the deposit liabilities of the Grafton and Rowlesburg, West Virginia, branch offices of Huntington National BankWest Virginia, Charleston, West Virginia.* 8-26-96

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


Century Bancorp, Inc., Thomasville, North Carolina, to become a bank holding company through the acquisition of 100% of the voting shares of Home Savings, Inc., SSB, Thomasville,North Carolina.* 8-19-96**

Section III - Applications Subject to Federal Register Notice


None.

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

Application

None.

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


Federal Reserve Bank of Richmond

Section V - Availability of CRA Public Evaluations

Week ending July 26, 1996

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

Farmers Bank of Annapolis 5 Church Circle Annapolis, Maryland 21401 2-5-96 Satisfactory

The Commonwealth Bank 9310 Midlothian Turnpike Richmond, Virginia 23235 2-20-96 Satisfactory

Big Stone Gap Bank and Trust Company 621 Wood AvenueBig Stone Gap, Virginia 24219 2-26-96 Satisfactory


Section 1 - Applications Subject to Newspaper Notice Only

Federal Reserve Bank of AtlantaApplications Bulletin for Week Ending July 26, 1996

Application Comment Period Ending DateAmSouth Bank of Florida 08-10-96*

Tampa, FloridaTo establish a branch located at 3522 Bell Shoals Road, Valrico, Florida.

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

Application Comment Period Ending DateNone.

Section 3 - Applications Subject to Federal Register Only

Application Comment Period Ending DateDadeland Bancshares, Inc. 08-08-96

Miami, FloridaTo acquire, through its de novo subsidiary, Dadeland Software Services, Inc., Miami, Florida, a 20 percent interest in a joint venture for the purpose of engaging in data processing, computer software activities, and related consulting service activities, pursuant to Section 4(c)(8) of the Bank Holding Company Act and Sections 225.25(b)(7) and 225.25(b)(11) of Regulation Y.

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

Application None.

Subject to provisions of the Community Reinvestment Act.



Section 10 - Availability of CRA Public EvaluationsThe 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 anoutstanding 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 asatisfactory 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 needsto 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 hasa 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 CRA Rating DateThe Terrace Bank of Florida Satisfactory 04-15-96Post Office Box 16828 Tampa, Florida 33687 (813)985-1128



Recently Approved Applications Approval DateCompass Bancshares, Inc. 07-22-96

Birmingham, AlabamaRequest for waiver of the application requirement of Section 3(a) (5) of the Bank Holding Company Act to merge with CFB Bancorp, Inc., Jacksonville, Florida, and thereby directly acquire Community First Bank, Jacksonville, Florida.Compass Bank 07-22-96

Jacksonville, FloridaTo merge with Community First Bank, Jacksonville, Florida, pursuant to Section 18(c) of the Federal Deposit Insurance Act.Appalachian Bancshares, Inc. 07-24-96

Ellijay, Georgia1-BHC formation, Gilmer County Bank, Ellijay, Georgia.First Southern Bancshares, Inc. 07-22-96

Lithonia, GeorgiaTo acquire certain assets of American Financial Mortgage Corp., Decatur, Georgia, through a newly-formed subsidiary, FSB Mortgage Services, Inc., Lithonia, Georgia, and thereby engage in mortgage lending activities, pursuant to Section 4(c) (8) of the Bank Holding Company Act and Section 225.25(b) (1) (iii) ofRegulation Y.


Federal Reserve Bank of ChicagoSection I - Applications Subject to Newspaper

Notice Only

Type

Merger/Branch

Branch

Merger/Branch

Application

First Banking Center-Burlington Burlington, Wisconsin

Genoa City, Wisconsin branch ofAmerican National Bank and Trust Company of Genoa City Genoa City, Wisconsin 235 Freeman Street Genoa City, Wisconsin

Harris Trust and Savings Bank Chicago, Illinois

Morgan Park Professional Centre 1701 W. Monterey Avenue Chicago, Illinois

First Banking Center-Burlington Burlington, Wisconsin

Pell Lake, Wisconsin branch ofAmerican National Bank and Trust Company of Genoa City Genoa City, Wisconsin N1264 Park Road Pell Lake, Wisconsin

Merger/Branch First Trust & Savings Bank Aurelia, Iowa

Cleghorn State Bank Cleghorn, Iowa 101 North Lewis Avenue Cleghorn, Iowa

NP - Newspaper FR - Federal Register

* - Subject to Provisions of Community Reinvestment Act ** - Not available at this time

N p . **


NP - 8-14-96

NP - **

jsjp _ **


Federal Reserve Bank of Chicago

J m .

Branch

EFT

Branch

Merger/Branch

Section I - Applications Subject to Newspaper Notice Only Cont’d

Application

Comerica Bank Detroit, Michigan

31145 Harper St. Clair Shores, Michigan

Harris Trust and Savings Bank Chicago, Illinois

CNA Plaza, 55 East Jackson Blvd. Chicago, Illinois

M&I First American Bank Wausau, Wisconsin

220 South 18th Avenue Wausau, Wisconsin

Mercantile Bank of Polk County Des Moines, Iowa

Mercantile Bank of The Bluffs Council Bluff, Iowa Mercantile Bank of Boone Boone, IowaMercantile Bank of Centerville Centerville, Iowa Mercantile Bank of Chariton Chariton, IowaMercantile Bank of Clay County Spencer, IowaMercantile Bank of Humboldt County Humboldt, IowaMercantile Bank of Jasper County Newton, IowaMercantile Bank of Lyon County Rock Rapids, Iowa Mercantile Bank of Marshalltown Marshalltown, Iowa Mercantile Bank of Mount Ayr Mount AyrMercantile Bank of Onawa Onawa, IowaMercantile Bank of Osceola CountySibley, IowaMercantile Bank of PellaPella, Iowa, and to establish 36 branches

NP - 7-27-96

NP - 7-25-96

NP - 7-25-96

fsJP - **



Federal Reserve Bank of ChicagoSection II - Applications Subject to Both Newspaper and Federal

Register Notice

lyp_e

3(a)(1)

3(a)(3)

3(a)(1)

3(a)(1)

3(a)(1)

3(a)(1)

3(a)(1)

Application

First Midwest Financial, Inc.*Storm Lake, Iowa

Central West Bancorporation Casey, Iowa Security State Bank Stuart, Iowa

Capitol Bancorp, Ltd.*Lansing, Michigan

Macomb Community Bank Clinton Township, Michigan (in organization)

Crestmark Bancorp, Inc.*Bloomfield Hills, Michigan

Crestmark BankTroy, Michigan ( in organization)

TDI Financial Corporation*Chicago, Illinois

Security Chicago Corporation Chicago, Illinois First Security Bank of Chicago Chicago, Illinois

Community Holdings Corporation*Palos Hills, Illinois

First State Bank and Trust Company of Palos Hills Palos Hills, Illinois

Lewis Family Partners, L.P.*Morris, Illinois

Illinois Valley Bancorp, Inc.Morris, IllinoisGrundy County National Bank Morris, Illinois

Lewis Management Company*Morris, Illinois

Illinois Valley Bancorp, Inc.Morris, IllinoisGrundy County National Bank Morris, Illinois

FR - 8-16-96 NP - 8-16-96


FR - 8-16-96NP _ **

FR - 8-19-96jsjp _ **

NP _ **

FR - 8-1-96 NP - 7-31-96

FR - 8-1-96 NP - 7-22-96

FR . ** NP - **



lyge3(a)(1)

3(a)(5)

3(a)(1)

3(a)(1)

3(a)(1)

3(a)1)

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

Application

FirstValue Corp*Appleton, Wisconsin

Tigerton Bancorporation, Inc.Tigerton, WisconsinFirst National Bank in TigertonTigerton, Wisconsin

Country Bank Shares Corporation*Mount Horeb, Wisconsin

Belleville Bancshares Corporation Belleville, Wisconsin Belleville State Bank Belleville, Wisconsin

Oak Park River Forest Bankshares, Inc.*Oak Park, Illinois

Community Bank of Oak Park River Forest Oak Park, Illinois (in organization)

Lakes Region Bancorp, Inc.*Bannockburn, Illinois

Anchor Bank Third Lake, Illinois

Farmers State Bancshares, Inc.*Mason City, Iowa

Farmers State Bank Northwood, Iowa

St. Joseph Capital Corporation*South Bend, Indiana

St. Joseph Capital Bank Mishawaka, Indiana (in organization)

FR - 8-19-96 NP - 6-13-96


FR - 8-8-96 NP - 8-5-96

FR - 8-19-96NP . **

FR - 8-22-96 ]sjp _ **

FR - 7-19-96 NP - 7-22-96

FR - 7-26-96 NP - 7-27-96



Type

4(c)(8)

4(c)(8)

4(c)(8)

4(c)(8)

4(c)(8)

4(c)(8)

4(c)(8)

Section III - Applications Subject to Federal Register Notice Only

Application

First Chicago NBD Corporation Chicago, Illinois

Multinet International Bank New York, New York

Bank of Montreal Montreal, Canada

Multinet International Bank New York, New York

Pinnacle Banc Group, Inc.Oak Brook, Illinois

Financial Security Corp.Chicago, IllinoisSecurity Federal Savings and Loan Association Chicago, Illinois

First Midwest Financial, Inc.Storm Lake, Iowa

First Federal Savings Bank of the Midwest Storm Lake, Iowa

NEB Corporation Fond du lac, Wisconsin

to engage de novo in making and servicing loans

ABN AMRO Bank N.V.Amsterdam, The Netherlands

ChiCorp, Inc.Chicago, IllinoisThe Chicago CorporationChicago, Illinois

ABN AMRO Holding N.V.Amsterdam, The Netherlands


FR - 8-14-96

FR - 8-14-96

FR - 8-1-96 NP - 8-12-96

FR - 8-16-96

FR - 8-1-96

pR _ **


FR - **



lyge

4(c)(8)

4(c)(8)

4(c)(8)

Section III - Applications Subject to Federal Register Notice Only

Comment PeriodApplication Ending Date

Stichting Administratiekantoor ABN AMRO Holding FR - **Amsterdam, The Netherlands

ChiCorp, Inc.Chicago, Illinois The Chicago Corporation Chicago, Illinois

Stichting Prioriteit ABN AMRO Holding FR - **Amsterdam, The Netherlands


Quad City Holdings, Inc. FR - 8-14-96Bettendorf, Iowa

Nobel Electronic Transfer, L.L.C.an Iowa limited liability company that engages in creditBettendorf, Iowa,


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


Type Application

None


Federal Reserve Bank of ChicagoSection V - Availability of CRA Public Evaluations

The following state member banks have been examined by the Federal Reserve Bank of Chicago for compliance with the CRA. The 30-business day period the bank has to make the evaluation public has lapsed during the week ending July 26, 1996. If you are interested in obtaining a copy of the evaluation document, please contact the bank(s) directly.

Identification of Ratines

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

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

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

SN An institution in this group has a substantial noncompliance record of ascertainingand helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilies.

BANK NAME/LOCATION EXAMINATION T ATE RATINGS

The Bank of Brodhead 806 East Exchange Street Brodhead, Wisconsin 53520-1467(608) 897-2121 4/10/96 O

1st Source Bank 1st Source Center 100 North Michigan South Bend, Indiana (219) 235-2000

The Onsted State Bank 112 South Main Street Onsted, Michigan 49265-9501(517) 467-2144 4/08/96 S

466342/26/96


Federal Reserve Bank of St. Louis

FOR THE WEEK ENDING July 26, 1996

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE

Application End of Comment Period

None.



None.

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE


None.

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


None.


FEDERAL RESERVE BANK OF ST. LOUISSt. Louis, Missouri

AYAILA.BILITY.QF c r a p u p l ic d is c l o s u r e s

Identification.,of Ratings;

Outstanding record o f 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 o f 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 o f 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 o f its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities.

FOR THE WEEK ENDING July 26, 1996

Name of Bank Bank Address ExaminationDate

ExaminationRating

PNC Bank Kentucky, Inc. 500 W. Jefferson St. Louisville, KY 40202-2823

1/29/96 Outstanding

DuQuoin State Bank P.O. Box 468 DuQuoin, IL 62832-0468

4/1/96 Satisfactory


FEDERAL RESERVE BANK OF MINNEAPOLISSection I - Applications Subject to

Newspaper Notice Only

Application

NONE.

FEDERAL RESERVE BANK OF MINNEAPOLISSection II - Applications Subject to Both Newspaper and Federal Register Notice

Application

Norwest Corporation, Minneapolis, Minnesota, for prior approval to acquire 100% of the voting shares of American Bank Moorhead, Moorhead, Minnesota. *

^Subject to CRA

FEDERAL RESERVE BANK OF MINNEAPOLISSection III - Applications Subject to Federal Register Notice Only

Application

Norwest Corporation, Minneapolis, Minnesota; Norwest Financial Services, Inc., Des Moines, Iowa; and Norwest Financial, Inc., Des Moines, Iowa; to engage de novo in the issuance and sale at retail of money orders.

Otto Bremer Foundation and Bremer Financial Corporation, both of St. Paul, Minnesota, to engage in leasing personal and real property through the acquisition of the lease servicing program of CFS Financial Corp., Minnetonka, Minnesota.

FEDERAL RESERVE BANK OF MINNEAPOLISSection IV - Applications Not Subject to

Federal Register Notice or Newspaper Notice

Application

Comment Period Ending Date


August 23, 1996 (Federal Register)


August 15, 1996

Not yet available

NONE.


FEDERAL RESERVE BANK OF MINNEAPOLISSection V - Availability of CRA Public Evaluations

week ending July 26, 1996

ASSIGNMENT OF RATING

Identification of Ratings

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

OUTSTANDING RECORD OF MEETING COMMUNITY CREDIT NEEDS.

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

SATISFACTORY RECORD OF MEETING COMMUNITY CREDIT NEEDS.

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

NEEDS TO IMPROVE RECORD OF MEETING COMMUNITY CREDIT NEEDS.

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

SUBSTANTIAL NONCOMPLIANCE IN MEETING COMMUNITY CREDIT NEEDS.

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

BANK(S) EXAMINED DATE OF EXAMINATION CRA RATING

Dacotah Bank P.O. Box 910

March 18, 1996 Satisfactory

Mobridge, SD 57601-2591 (605) 845-3673

Farmers & Merchants Bank P.O. Box 848 Huron, SD 57350-0848 (605) 352-6444

April 8, 1996 Outstanding


Federal Reserve Bank o f Kansas C ity


APPLICATION COMMENT PERIOD ENDING DATE

BancFirst, Oklahoma City, Oklahoma, for prior Not Availableapproval to establish a branch facility to be located at 310 North Washington, Weatherford, Oklahoma.

Community Bank and Trust, Oklahoma City, Not AvailableOklahoma for prior approval to establish a branch facility to be located at 5800 N.W. 39th Expressway,Warr Acres, Oklahoma.

Webb City Bank, Webb City, Missouri, for prior Not Availableapproval to establish a branch facility to be located at 1710 E. 32nd, Joplin, Missouri.



Eagle Holding Company, Broomfield, Colorado, for Not Availableprior approval to become a bank holding company through the acquisition of 100 percent of the voting shares of Eagle Bank, Broomfield, Colorado.*

Commerce Bancshares, Inc., Adair, Oklahoma, for Not Availableprior approval to become a bank holding company through the acquisition of 100 percent of the voting shares of Adair State Bank, Adair, Oklahoma.*

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE ONI.Y


King Bancshares, Inc., Kingman, Kansas, for prior Not Availableapproval to form a non-bank subsidiary to be called Western Credit, Inc., Hutchinson, Kansas, to engage in the making of small consumer loans and operate as a finance company.*


Federal Reserve Bank of Kansas City


APPLICATION

None.


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


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.

CRA Public CRABank/Location Exam Date Date Rating

None.

* Application is subject to CRA.


APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF JULY 22, 1996


FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN

APPLICATION NOTICE EXP

Section 9 application fromCitizens Bank and Trust Company, Baytown, TX,to establish an ATM at 4801 Highway 146 at MasseyTompkins Rd., Baytown, TX 77520 96/08/19


APPLICATION ** NOTICE EXP

*Section 3(a)(3) application byNational Bancshares Corporation of Texas, Laredo, TX, to acquire Luling Bancshares, Inc., Luling, TX, and First National Bank, Luling, TX 96/08/17

(Previously reported during the week of 7-8-96)

*Section 3(a)(3) application by NBT of Delaware, Inc., Wilmington, DE, to acquire Luling Bancshares, Inc., Luling, TX, and FirstNational Bank, Luling, TX 96/08/17

(Previously reported during the week of 7-8-96)

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICENOTICE ONLY

APPLICATION NOTICE EXP

None.


APPLICATION

Notice by Zapata Bancshares, Inc., Mercedes, TX, to redeem 7,662 shares of its common stock * **

* 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 JULY 22. 1996

Outstanding record of meeting community credit needs.

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

Satisfactory record of meeting community credit needs.


Needs to Improve record of meeting community credit needs.

An institution in this group need to improve it s 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 7/26/96

Section I - Applications Sub.iect to Newspaper Notice Only

AppI ication

Idaho Banking Company (In Organization), Boise, Idaho, to establish a branch office at 6010 Fairview Avenue, Boise, Idaho. *

Bank of America Nevada, Las Vegas, Nevada, to establish branch offices at 641 Mall Ring Circle, and 1000 North Green Valley Parkway, both located in Henderson, Nevada. *

West One Bank, Idaho, Boise, Idaho, to establish a branch office at Bonner Mall, 3295 Highway 95 North, Sandpoint, Idaho. *


Newspaper: Not available

Newspaper: 8/01/96

Newspaper: 8/22/96

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

None

Section III -Applications Sub.iect to Federal Register Only

None

Section IV - Applications Not Sub.iect to Federal Register Noticeor Newspaper Notice

None

* Subject to CRA.


FEDERAL RESERVE BANK OF SAN FRANCISCO

Week ending 7/26/96

Section V - Availability of CRA Public Evaluations

The CRA public evaluations of the institution(s) below became available during this week. Information about a particular institution’ s CRA evaluation may be obtained directly from the institution.

Institution Location Examination Date Rating*

Commercial Bank of Fremont 39510 Paseo Padre Pkwy 3/25/96 SatisfactoryP.0. Box 970 Fremont, CA 94538-2300 (510) 794-7700

*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.

Substantial Noncompliance in meeting community credit needs: An institution has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- to moderate-income neighborhoods, in a manner consistent with its resources and capabilities.

The above listing has been prepared as a courtesy by the Federal Reserve Bank of San Francisco, and is not intended to replace formal notices required by statute or regulation; the Reserve Bank assumes no responsibility for errors or omissions.


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