H.2 Actions of the Board, its Staff, and the Federal Reserve Banks; … · 1993/6/5 · Barnett Bank of Polk County, Lakeland, Florida -- investment in bank premises. Approved, June

ANNOUNCEMENTBOARD OF GOVERNORS

OF THEFEDERAL RESERVE SYSTEM

H.2, 1993, No. 23Actions of the Board, its Staff, and

the Federal Reserve Banks; Applications and Reports Received

During the Week Ending June 5, 1993

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

BANK BRANCHES, DOMESTICTexas State Bank, McAllen, Texas -- request for reconsideration of Board’s approval of the application to establish a branch at 900 East Jackson Avenue.

Denied, June 4, 1993.ENFORCEMENT

Country Hill Bancshares, Inc., Lenexa, Kansas -- issuance of a cease and desist order.

Announced, June 3, 1993.Missouri State Financial Corporation, St. Louis, Missouri -- written agreement dated May 19, 1993, with the Federal Reserve Bank of St. Louis.

Announced, June 3, 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 Director for ManagementBANK BRANCHES. DOMESTIC

Richmond Bank of Tazewell County, Tazewell, Virginia -- toestablish a branch at the intersection of Market Street and Hillsboro Drive in the Four Way Section of Tazewell, Virginia.

Approved, June 4, 1993.Philadelphia Berks County Bank, Reading, Pennsylvania -- to

establish a branch at 2220 State Hill Road, Wyomissing Hills Borough, Berks County, Pennsylvania.

Approved, June 3, 1993.Richmond Centura Bank, Rocky Mount, North Carolina -- to

establish an electronic funds transfer facility at Cape Fear Memorial Hospital, 5301 Wrightsville Avenue, Wilmington, North Carolina.

Approved, June 3, 1993

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

H.2JUNE 1, 1993 TO JUNE 4, 1993PAGE 2

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

BANK BRANCHES, DOMESTICRichmond One Valley Bank of Summersville, Inc., Summersville,

West Virginia -- to establish a branch at 815 North Side Drive.

Approved, June 4, 1993.BANK HOLDING COMPANIES

Atlanta

Dallas

Richmond

Richmond

Kansas City

St. Louis

Richmond

AmSouth Bancorporation, Birmingham, Alabama -- to merge with Mickler Corporation, Clearwater,Florida, and acquire The First National Bank of Clearwater.

Approved, June 2, 1993.Big Bend Bancshares Corp., Presidio, Texas -- to

acquire Marfa National Bank, Marfa, Texas.Approved, June 1, 1993.Centura Banks, Inc., Rocky Mount, North Carolina -- to acquire Granite Savings Bank, SSB, Granite Falls, North Carolina.

Approved, June 4, 1993.Centura Banks, Inc., Rocky Mount, North Carolina -- proposal that Centura Bank merge with Granite Savings Bank, SSB, Granite Falls, North Carolina.

Approved, June 4, 1993.Citizens Bancshares of El Reno, Inc., El Reno, Oklahoma -- to acquire Citizens National Bank & Trust Co. of El Reno.

Approved, June 1, 1993.Fairfield Bancshares, Inc., Fairfield, Illinois -- to acquire Fairfield National Bank.

Approved, June 3, 1993.First Citizens BancShares, Inc., Raleigh, North Carolina -- proposal that First-Citizens Bank & Trust Company purchase certain assets and assume certain liabilities of the Roanoke Rapids,Shallots, and Weldon, North Carolina, branches of Pioneer Savings Bank, Inc., Rocky Mount, North Carolina.

Approved, June 1, 1993.




BANK HOLDING COMPANIESKansas City First National Beatrice Corporation Employee Stock

Ownership Plan, Beatrice, Nebraska -- to acquire First National Beatrice Corporation.

Approved, June 1, 1993.San Francisco MCB Financial Corporation, San Rafael, California --

to acquire Marine Community Bank, National Association.

Approved, June 2, 1993.Chicago Northern Bankshares, Inc., McFarland, Wisconsin -- to

engage in lending activities.Returned, June 3, 1993.

Kansas City Pinnacle Bancorp, Inc., Central City, Nebraska -- to acquire Colorado National Bank Grand Junction, Grand Junction, Colorado, and Colorado National Bank Glenwood, Glenwood Springs, Colorado.

Approved, June 2, 1993.Dallas Rio Bancshares Corporation, Wilmington, Delaware --

to acquire Marfa National Bank, Marfa, Texas. Approved, June 1, 1993.

Richmond Southern BancShares (N.C.), Inc., Mount Olive, North Carolina -- proposal that Southern Bank and Trust Company, purchase certain assets and assume certain liabilities of the Murfreesboro and Windsor, North Carolina, branches of Pioneer Savings Bank, Inc., Rocky Mount, North Carolina.

Approved, June 3, 1993.Secretary Trans Financial Bancorp, Inc., Bowling Green,

Kentucky --to acquire Trans Kentucky Bancorp, Pikeville, Kentucky, and Citizens Bank of Pikeville.

Approved, June 4, 1993.Richmond Union Bancorp, Inc., Bowling Green, Virginia -- to

merge with Northern Neck Bankshares Corporation, Warsaw, Virginia.



H.2JUNE 1, 1993 TO JUNE <4, 1993PAGE 4


BANK MERGERSRichmond

BANK PREMISESNew York

Richmond

Atlanta

New York

Richmond

New York

Chicago

Kansas City

Centura Bank, Rocky Mount, North Carolina --to merge with Granite Savings Bank, SSB, Granite Falls,North Carolina, and establish branches.


Adirondack Trust Company, Saratoga Springs, New York -- investment in bank premises.

Approved, June 3, 1993.Bank of Charlotte County, Phenix, Virginia --

investment in bank premises.Approved, June 4, 1993.Barnett Bank of Polk County, Lakeland, Florida --

investment in bank premises.Approved, June 1, 1993.Chemical Bank, New York, New York -- investment in bank premises.

Approved, June 3, 1993.FCNB Bank, Frederick, Maryland -- investment in bank premises.

Approved, June 2, 1993.Morgan Guaranty Trust Company of New York, New York, New York -- investment in bank premises.

Approved, June 3, 1993.Old Kent Bank - Southwest, Kalamazoo, Michigan --

investment in bank premises.Approved, June *4, 1993.Platte Valley Bank, Brighton, Colorado -- investment

in bank premises.Approved, June 1, 1993.




BANKS. STATE MEMBERMinneapolis

CAPITAL STOCK

Marquette Bank New Prague, New Prague, Minnesota -- payment of a dividend.


Kansas City

CHANGE IN BANK CONTROL

First National Beatrice Corporation Employee Stock Ownership Plan, Beatrice, Oklahoma -- redemption of shares.


Chicago Bancorp of Rantoul, Inc., Rantoul, Illinois -- change in bank control.

Returned, June 4, 1993.Philadelphia Founders Bank, Bryn Mawr, Pennsylvania -- change in

bank control.Permitted, June 3, 1993.

Dallas Wolfe City Bancshares, Inc., Wolfe City, Texas -- change in bank control.

Returned, June 2, 1993.COMPETITIVE FACTORS REPORTS

Kansas City Bank Midwest, National Association, Maryville,Missouri, proposed merger with First National Bank of Kirkville, Kirkville; Community Bank, National Association, Chillicothe; Citizens National Bank of Shelbyville, Shelbyville, and The Bank of Atchison County, Rockport, Missouri -- report on competitive factors.

Submitted, June 1, 1993.




COMPETITIVE FACTORS REPORTSChicago

Atlanta

Kansas City

Chicago

Atlanta

Kansas City

Cleveland

Bank of Homewood, Homewood, Illinois, proposed merger with Homewood Bancorporation, Inc. -- report on competitive factors.

Submitted, June 3, 1993.Central National Bank, Sarasota, Florida, proposed merger with SouthTrust Interim Bank, N.A. -- report on competitive factors.

Submitted, June 2, 1993.Colorado National Bank, Denver, Colorado, proposed merger with Central Bank / Bank Western, National Association, Denver; Central Bank Aspen, National Association, Aspen; Central Bank Grand Junction, National Association, Grand Junction; Central Bank Pueblo, National Association, Pueblo, and Central Bank Southeast, National Association, Englewood, Colorado -- report on competitive factors.

Submitted, June 1, 1993.Community Bank, Caro. Michigan, proposed merger with Akron Savings Bank -- report on competitive factors.

Submitted, June 2, 1993.Community Bank of Carrollton, Carrollton, Georgia, proposed merger with Interim Carrollton Corporation, Gainesville, Georgia -- report on competitive factors.

Submitted, June 2, 1993.Liberty Bank and Trust Company of Oklahoma City,N.A., Oklahoma City, Oklahoma, proposed merger with First Oklahoma Bank & Trust Company of Edmond, Edmond, Oklahoma -- report on competitive factors.

Submitted, June 1, 1993.NSD Interim Bank, Pittsburgh, Pennsylvania, proposed merger with North Side Deposit Bank -- report on competitive factors.

Submitted, June 1, 1993.


H . 2JUNE 1, 1993 TO JUNE 4, 1993PAGE 7


COMPETITIVE FACTORS REPORTSAtlanta SouthTrust Bank of Sarasota County, Sarasota,

Florida, proposed merger with Central National Bank -- report on competitive factors.

Submitted, June 2, 1993.Atlanta Trustmark National Bank, Jackson, Mississippi,

proposed merger with UniSouth Banking Corporation, Columbus, Mississippi -- report on competitive factors.

Submitted, June 2, 1993.EXTENSIONS OF TIME

San Francisco BankAmerica Corporation, San Francisco, California -- extension to divest certain property.

Granted, June 2, 1993.San Francisco BankAmerica Corporation, San Francisco, California --

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

Chicago Central-State Bancorp, Inc., Frankfort, Michigan -- extension to September 1, 1993, to engage de novo in making and selling fixed rate mortgages through Central State Service Corporation, Beulah,Michigan.

Granted, June 1, 1993.Atlanta Eva Bancshares, Inc., Eva, Alabama -- extension to

September 1, 1993, to acquire First Bank of Eva. Granted, June 1, 1993.

Chicago Farmers & Merchants Bancshares, Inc., Burlington, Iowa -- extension to September 1, 1993, to acquire Farmers & Merchants Bank & Trust.

Granted, June 1, 1993.St. Louis First Banks, Inc., St. Louis, Missouri -- extension

to September 9, 1993, for First Bank, Creve Coeur, Missouri, to acquire certain assets and assume certain liabilities of the Ballwin, Creve Coeur, Hermann; and Washington, Missouri, branches of First Bank A Savings Bank, Clayton, Missouri.

Granted, June 3, 1993.



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

EXTENSIONS OF TIMEChicago First of America Bank Corporation, Kalamazoo,

Michigan -- extension to September 2, 1993, to merge with Champion Federal Savings and Loan Association, Bloomington, Illinois, and First of America Bank-McLean County, National Association, and subsequently to transfer certain assets and liabilities of seven other national bank affiliates.

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

extension to September 1, 1993, to engage in trust activities.

Granted, June 2, 1993.


H. 2JUNE 1, 1993 TO JUNE 4, 1993PAGE 9

ADDITIONS AND CORRECTIONS

ACTIONS TAKEN BY THE BOARD OF GOVERNORS

INTERNATIONAL OPERATIONSBNY International Financing Corporation, New York,New York --to establish a branch on behalf of,Wing Hang Bank Limited, Hong Kong, in Shenzhen, People’s Republic of China.

Approved, May 28, 1993.REGULATIONS AND POLICIES

Regulation EE, Netting Eligibility for Financial Institutions -- rule to expand definition of financial institution in section 402 of the Federal Deposit Insurance Improvement Act of 1991 (Docket R-0801).

Proposed, May 5, 1993.Retail Fees and Services of Depository Institutions -

- annual report to the Congress.Approved, May 14, 1993.


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

Application

SECTION V -♦Rating Definitions - Needs to Improve;Institution

♦Subject to CRA

NONE

AVAILABILITY OF CRA PUBLIC EVALUATIONS: "0" - Outstanding; "S" - Satisfactory; "N""SN" - Substantial Noncompliance.Examination bate Rating*

NONE


FEDERAL RESERVE BANK OF BOSTON APPLICATIONS

NEWSPAPER NOTICE ONLYApplication Comment Period Endina Date

NONE

SECTION II - APPLICATIONS SUBJECT TO BOTHNEWSPAPER AND FEDERAL REGISTER NOTICE

Application Comment Period Endina DateThe Royal Bank of Scotland Group, pic, Edinburgh, Scotland, et al. - section 3(a)(3) application to retain The Boston Five Cents Savings Bank, Boston, Massachusetts*

NewsDaoer 6-27-93 Federal Reaister 7-02-93

Shawmut National Corporation, Hartford, Connecticut - 3 (a)(1)/3(a)(3) application to acquire New Dartmouth Bank, Manchester, New Hampshire*

Newsoaoer 7-11-93Federal Reaister

Not Yet Established

SECTION III - APPLICATIONS SUBJECT TOFEDERAL REGISTER NOTICE ONLY

Fleet Financial Group,Inc., Providence, Rhode Island - 4(c)(8) notification to transfer Fleet Factors Corporation,New York, New York from Fleet Bank of New York, Albany, New York, to Fleet Financial Group, Inc., Providence, Rhode Island

Federal Reaister Not Yet Established

The Royal Bank of Scotland Group, pic, Edinburgh, Scotland, et. al. - section 4(c)(8) application to acquire The Boston Five Bancorp, Inc., Boston, Massachusetts

Federal Reaister Not Yet Established


Federal Reserve Bank of New York

Comment Period Ending Date

SECTION IApplications Subject to Newspaper __________ Notice Only__________

Chemical Bank, New York, New York, to establish an off-site electronic facility at Queens Center Mall,Elmhurst, New York.l/ 7/1/93Chemical Bank, New York, New York, to establish an off-site electronic facility at the Hilton Hotel,Melville, New York.l/ 7/1/93Chemical Bank, New York, New York, to establish an off-site electronic facility at Time, Inc., 1271Avenue of the Americas, New York, New York.l/ 7/1/93

SECTION IIApplications Subject to Both

Newspaper and Federal Register NoticeNotice by George E. Scharpf, Colts Neck, New Jersey, and Ernest J. Scharpf, Old Bridge, New Jersey, to retain ownership of, and increase their holdings from, 13.89 percent to 16.92 percent of the outstanding voting shares of Amboy Bancorporation, Old Bridge, New Jersey. N/ANotice by Amboy-Madison National Bank Employee Stock Ownership Plan to retain ownership of 9.7 percent of the outstanding voting shares of Amboy Bancorporation,Old Bridge, New Jersey. N/A

SECTION IIINonbanking Applications

(Subject to Federal Register Notice Only)

Societe Generale, Paris, France, to engage de novo, through a wholly-owned indirect subsidiary, FIMAT Futures USA, Inc., in investment advisory and securities brokerage and underwriting activities. N/A


SECTION III

Nonbanking Applications (Subject to Federal Register Notice Only)con't

U.S. Trust Corporation, New York, New York, to acquire all of the issued and outstanding stock of CTMC Holding Company, its subsidiary, Capital Trust Management Company, and its subsidiary, Capital Trust Company, all of Portland, Oregon, and engage in trust company and investment advisory activities. 6/15/93

SECTION IVApplications Not Involving ______Public Comment______

None.

SECTION VAvailability of CRA Public Evaluations

In connection with the assessment of each insured depository institution's CRA performance, a rating is assigned from the following group:Outstanding record of meeting community credit needs.

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

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

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


Substantial noncompliance in meeting community credit needs.

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

Week Ending June 5# 1993

NAME OF BANK RATING EXAMINATION DATE

United Jersey Bank Needs to Improve June 15, 1992210 Main Street Hackensack, N.J. 07601

If 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 SUBJECT TO NEWSPAPER NOTICE ONLY


None.

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

Harris Financial, MHC, Harrisburg, PA ("Applicant") to form a mutual bank holding company by acquiring a majority (up to 83%) of the issued and outstanding common stock of Harris Savings Bank, Harrisburg, PA (a de novo capital stock savings bank), pursuant to Section 3(a)(1) of the Bank Holding Company Act. (The proposal is essentially a corporate reorganization that involves conversion of the charter of the existing savings bank in mutual form to that of a mutual holding company; incorporation of a de novo capital stock savings bank with the same title and the transferring of the assets and liabilities of the existing savings bank to the said de novo bank.)

Newspaper comment period expires: 6/27/93Fed. Regist. comment period expires: N/A

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTERNOTICE ONLY

None.

SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICEOR 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 June 4, 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 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•


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 Pate CRA RatingCommerce Bank/Harrisburg Erford Road & Senate Ave.Camp Hill, PA 17011

11/2/92 Satisfactory


Federal Reserve Bank of ClevelandApplications Bulletin

For Week Ending June 5, 1993

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPERNOTICE ONLY

Received OAKAR application from PNC Bank * Not Yet Known #Corp., Pittsburgh, Pennsylvania, on May 20,1993, to acquire Gateway Federal Savings Bank, Cincinnati, Ohio.


Received Section 3(a) (3) application from * F: June 28, 1993PNC Bank Corp., Pittsburgh, Pennsylvania, on May 26, 1993, to acquire The Massachusetts Company, Boston, Massachusetts.Received Section 3(a) (5) application from * F: July 1, 1993Huntington Bancshares Incorporated andHuntington Bancshares West Virginia, Inc.,both of Columbus, Ohio, to acquire CommerceBanc Corporation, Charleston, West Virginia.


Received Section 4(c)(8) application from June 28, 1993PNC Bank Corp., Pittsburgh, Pennsylvania,on May 26, 1993, to engage in providingasset management services to unaffiliated andnon-financial institutions through a wholly-ownedsubsidiary, PNC Asset Management Corp.,Pittsburgh, Pennsylvania.SECTION IV - APPLICATIONS NOT SUBJECT TO FEDERAL REGISTER NOTICE

OR NEWSPAPER NOTICE

NONE

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

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

AVAILABILITY OF CRA PUBLIC EVALUATIONS(June 4, 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 June 4, 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 recordof, 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 recordof 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 itsoverall 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 asubstantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities.The Killbuck Savings Bank 165 North Main Street Killbuck, Ohio 44637 (216) 276-4881 Rating: SatisfactoryExam Date: March 15, 1993


-2-

Federal Reserve Bank of RichmondSection I - Applications Subject to Newspaper

Notice OnlyApplication Comment Period Ending DateCentura Bank, Rocky Mount, North Carolina, to merge with First Savings Bank of Forest City, SSB,Forest City, North Carolina.* Not yet available.

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

Application Comment Period Ending DateNone.

Section III - Applications Subject to Federal Register Notice Application Comment Period Ending DateNone.

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

None.

*Application is subject to CRA requirements.Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis

-3-

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations Week ending June 7, 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.


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

Examination Date____ Rating

The Commonwealth Bank 9310 Midlothian Turnpike Richmond, Virginia 23235 3-15-93 Satisfactory


Federal Reserve Bank of AtlantaApplications Bulletin for Week Ending June 4. 1993

Section 1 - Applications Subject to Newspaper Notice Only

Application Comment Period Ending DateNone.

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

Application Comment Period Ending DateThe Fort Bancorp, Inc. 06-20-93*

Fort Deposit, Alabama 1-BHC formation, First Lowndes Bank,Fort Deposit, Alabama.

Section 3 - Applications Subject to Federal Register Only

Application Comment Period Ending DateAmSouth Bancorporation Not Yet available

Birmingham, Alabama To acquire up to 19.9 percent of Mid-State Federal Savings Bank, Ocala,Florida, pursuant to Section 4(c)(8) of the Bank Holding Company Act.SunTrust Banks, Inc. Not yet available

Atlanta, GeorgiaTo engage de novo in making, acquiring, or servicing loans or other extensions of credit through its wholly-owned subsidiary, SunTrust BankCard, N.A.,Orlando, Florida (In organization), pursuant to Section 225.25(b)(1) of Regulation Y.

♦Subject to provisions of the Community Reinvestment Act.


Federal Reserve Bank of AtlantaApplications Bulletin for Week Ending June 4. 1993

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

ApplicationSun Bank of Tampa Bay

Tampa, FloridaRequest for increase in bank premises.

Federal Reserve Bank of Atlanta Applications Bulletin for Week Ending June 4. 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-income neighborhoods, 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: An


institution has a substantially deficient record of ascertaining and helping to meet the credit needs of its entire delineated community, including low- and moderate-income neighborhoods, in a manner consistent with its resources and capabilities.ExaminationBank Rating DatePanAmerican Bank Satisfactory 02-22-932770 S.W. 26th Avenue Coconut Grove, Florida 33133 (305)448-6888


Federal Reserve Bank of Chicago

Branch Reg K-OT

Type

Oakar

Oakar

Membership

Branch/24A

Merger

Section I - Applications Subject to NewspaperNotice Only

ApplicationComment Period

Ending Date

Bank Mees & Hope N.V. N - 6-3-93Rotterdam, The Netherlands

Establish an Agency office in New York,New York*

Independent Bank Corporation Ionia, Michigan

Portland, Michigan branch of Community First Bank/ F.S.B.Portland, Michigan*

First of America Bank Corporation Kalamazoo, Michigan

14 Illinois Branch offices of Citizens Federal Bank, FSB Miami, Florida*

Bank One, Peoria Peoria, Illinois

To become a member of the Federal Reserve System*

Comerica Bank Detroit, Michigan

6625 Dixie Highway Clarkston, Michigan 10805 Highland Road White Lake Township, Michigan 37750 12 Mile Road Farmington Hills, Michigan*

NBD Bank (formerly Midwest Commerce Banking Company)

Elkhart, IndianaSouth Bend, Indiana branch of NBD Bank, N.A., Gary, Indiana*

Farmers state Bank Poy Sippi, Wisconsin

216 N. Main Street Seymour, Wisconsin*

N - 6-2-93

FR - **N - 6-2-93

N - 6-11-93

N - 6-12-93

N - **

Branch N - **



Type

Membership

EFT

Section I - Applications Subject to NewspaperNotice Only (Continued)

Comment PeriodApplication Ending Date

Hinsdale Bank and Trust Company N - 6-27-93Hinsdale, Illinois (in organization)

To become a member of the Federal Reserve System*

Chemical Bank Bay Area NBay City, Michigan

4101 Wilder Road Bay Cityf Michigan*



Section II - Applications Subject to Both Newspaper and FederalRegister Notice

CoC-HC

Type

Y-2

Y-l

Y-2

Application

Elcho Bancorporation, Inc. Altoona, Iowa

Jo & Verle Burgason

Athens Bancorp, Inc. Wausau, Wisconsin Bank of Athens Wausau, Wisconsin*

F.W.S.F. Corp.Milwaukee, Wisconsin

Athens Bancorp, Inc. Wausau, Wisconsin Bank of Anthens Wausau, Wisconsin*

Montgomery Bancshares, Inc.Montgomery, Illinois

Bank of Montgomery Montgomery, Illinois*

J. E. Coonley CompanyHampton, Iowa

Sheffield Savings Bank Sheffield, Iowa*


FR - 6-7-93U P - **

COC-HC Cascade Bancorporation, Inc.Venice, Florida

Delilah Shaw and Cascade Bancorporation, Inc. Voting Trust, Charles Ryan as Trustee

FR _ 6-7-93 N - **

Y-l Lakeside Bancorp, Inc. Chicago, Illinois

Lakeside Bank Chicago, Illinois*

FR - 6-4-93 N - 5-28-93

CoC Corydon Bancorporation Corydon, Iowa

Terry N. Jost & James C. Davison

FR - 6-9-93 N - 5-20-93

Y-2 Firstar Corporation Milwaukee, Wisconsin

FR - 6-11-93 N - 6-11-93

FR - 6-11-93 N - 6-11-93

FRN

FRN

6-11-936-21-93

6-17-93 **



Section II - Applications Subject to Both Newspaper and FederalRegister Notice

(Continued)Comment Period

Type Application Ending Date

Y-l

Y-l

CoC-HC

CoC-HC

CoC-EC

COC-HC

Y-l

Y-l

Oostburg Bancorp, Inc.Oostburg, Wisconsin

Oostburg State Bank Oostburg, Wisconsin*

First Security Bancorp, Inc.Elmwood Park, Illinois

First Security Trust & Savings Bank Elmwood Park, Illinois*

Elcho Bancorporation, Inc.Altoona, Iowa

Delilah Shaw IRA and Elcho Bancorporation, Inc., Voting Trust, Charles Ryan as Trustee

Elcho Bancorporation, Inc.Altoona, Iowa

Marguerite Sevde and the Estate of Richard Sevde

First Lena Corporation Lena, Illinois

Thelma H. Du ft & Ray E. Stamm

Bancorp of Rantoul, Inc.Rantoul, Illinois

Dennis B. Long & Anne L. Long & Thomas B. Bryan & Sally A. Bryan

Banklllinois Financial Co.Champaign, Illinois

Bank of Illinois in Champaign Champaign, Illinois*

Heritage Bancshares Group, Inc. Minneapolis, Minnesota

Geiger Corporation Minneapolis, Minnesota Heritage Bank, National Association Holstein, Iowa Heritage Bancshares, Inc. Minneapolis, Minnesota Heritage Bank, National Association Willmar, Minnesota*

PR _ 3-5-93N - 6-21-93

PR _ 6-17-93 N - **

FR - 6-7-93 NP - **

PR - 6-7-93 NP - **

FR - ** NP - **

FR - ** NP - **

FR - ** NP - **

FR - ** NP - **



Section II - Aoplications Subiect to Both NewsDaDer and FederalReaister Notice

(ContinuediComment Period

Type Application Endincr Date

Y-2 Valley Bancorporation FR _ **Appleton, Wisconsin

Pierce County Bank and Trust Company El1sworth, Wi sconsin *

NP _ **

Y-2 Peotone Bancorp, Inc. FR - **Peotone, Illinois

Rock River Bancorporation, Inc. Oregon, Illinois Rock River Bank Oregon, Illinois*

N _ **

Y-l East Dubuque Bancshares, Inc. FR _ **East Dubuque, Illinois

East Dubuque Investment Corporation East Dubuque, Illinois East Dubuque Savings Bank East Dubuque, Illinois*

N _ **

Y-l Smithdown Investments, Inc. FR _ **Lake Forest, Illinois

Hinsdale Bank and Trust Company Hinsdale, Illinois (in organization)*

N - 6-27-93

Y-2 F & M Bancorporation, Inc. FRKaukauna, Wisconsin

Park Ridge Bancshares, Inc. Stevens Point, Wisconsin Bank of Park Ridge Park Ridge, Wisconsin*

N - **

Y-2 F & M Merger CorporationKaukauna, Wisconsin

Park Ridge Bancshares, Inc. Stevens Point, Wisconsin Bank of Park Ridge Park Ridge, Wisconsin*

FR - ** N - **


Section III - Applications Subject to Federal RegisterNotice Only


Y-4

Type

Y-4

Y-4

4(c) (8)

4(c)(8)

4(c)(8)

Y-4

Comment PeriodApplication Ending Date

Caisse Nationale de Credit Agricole FR - 5-31-93Paris, France

Credit Agricole Futures, Inc.New York, New York — Execute, clear, provide investment advisory services

FBOP Corporation FR - 6-21-93Oak Park, Illinois

Fairfield Financial Corporation Oak Park, Illinois

Continental Bank Corporation FR - **Chicago, Illinois

Repechage Partners Ltd.Chicago, Illinois

Edgemark Financial Corporation FR - 6-1-93Chicago, Illinois

Edgemark Financial Services, Inc.Countryside, Illinois

Principal National Bancorp FR - 6-9-93Pontiac, Illinois

Make, acquire or service loans or other extensions of credit for the company's account or for the account of others

Huxley Bancorp FR - 6-14-94Huxley, Iowa

Making and servicing of loans

North Milwaukee Bancshares, Inc. FR - **Milwaukee, Wisconsin

NM Processing, Inc.Milwaukee, Wisconsin

Northern Bankshares, Inc.McFarland, Wisconsin

Make direct commercial loans in an amount not exceeding $200,000 in the aggregate and to service said loans

4(c)(8) FR - **


Section III - Applications Subject to Federal RegisterNotice Only fContinued)


Type

Y-4

Y-4

Y-4

Y-4

Application

ABN AMRO North America, Inc.Chicago, IllinoisABN AMRO Securities, Inc.New York, New York

ABN AMRO Bank N.V.Amsterdam, The Netherlands

ABN AMRO Securities, Inc.New York, New York

ABN AMRO Holding N. V.Amsterdam, The Netherlands


Stichting Administratiekantoor ABN AMRO FR - **Holding

Amsterdam, The Netherlands ABN AMRO Securities, Inc.New York, New York

Stichting Prioriteit ABN AMRO Holding Amsterdam, The Netherlands



FR - **

FR - **

FR - **

4(c) (8) FR - **



Section IV - Applications Not Subject to Federal Register or NewspaperNotice

Type Application

RoS Cascade Bancorporat ion, Inc.Venice, Florida

To redeem 4,375.00 of common voting shares &11,314.66 common nonvoting shares outstanding

RoS Wabeno Bancorporation, Inc.Altoona, Iowa

To redeem a portion of shares currently owned by Cascade Bancorporation, Inc.

RoS Corydon BancorporationCorydon, Iowa

To redeem 861 shares of voting common stock and 1,500 shares of nonvoting preferred stock

RoS First Lena CorporationLena, Illinois

To redeem 618 shares of its stock

RoS National Bancshares Waupun, Inc.Waupun, Wisconsin

To redeem 5,535 shares of common stock

N - NewspaperFR - Federal Register* - Subject to Provisions of Community Reinvestment Act

** - Not availed)le at this time


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 June 04, 1993.If you are interested in obtaining a copy of the evaluation document, please contact the bank(s) directly.

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

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

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

NI-An institution in this group 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-First of America Bank-

Ann Arbor101 South Main, P.0. Box 8615 Ann Arbor, Michigan 48107 (313) 995-7700

EXAMINATION DATE RATINGS

2/15/93 S


Federal Reserve Bank of St. Louis

FOR THE WEEK ENDING JUNE 4, 1993

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE

Application End of Comment Period

None.SECTION II - APPLICATIONS SUBJECT TO BOTH NEWSPAPER AND FEDERAL REGISTER NOTICE

Application★Section 3(a)(3) application by Union Planters Corporation, Memphis, Tennessee to acquire Central State Bancorp, Inc., Lexington, Tennessee

Change in control notification involving Marked Tree Bancshares,Inc., Marked Tree, Arkansas by John A. Brunner, Jr.(previously reported during the week of 5-14-93)

End of Comment Period

Newspaper: 7-3-93

Newspaper: 6-22-93

SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE

Application End of Comment Period

Section 4(c)(8) notification by Old National Bancorp, Evansville,Indiana to engage de novo, indirectly through ONB Investment Services, Inc.,Evansville, Indiana in providing fullservice brokerage services 6-23-93(previously reported during the week of 5-21-93)


Application End of Comment PeriodStock redemption notification by Leachville State Bancshares, Inc.,Leachville, Arkansas Not applicable★This application is subject to CRA.


FEDERAL RESERVE BANK OF ST. LOUIS

St. Louis, Missouri

AVAILABILITY OF CRA PUBLIC DISCLOSURESIdentification o f 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 o f meeting community credit needs

An institution in this group has a satisfactory record o f 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.

Needs to improve record o f meeting community credit needs

An institution in this group needs to improve its overall record o f 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.

Substantial noncompliance in meeting community credit needs

An institution in this group has a substantially deficient record o f 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 June 4, 1993

Name of Bank Bank Address ExaminationDate

ExaminationRating

None


Section I - Applications Subject to Newspaper Notice Only

FEDERAL RESERVE BANK OF MINNEAPOLIS

Comment PeriodApplication EndingDateNone.


ApplicationWisconsin Bancshares, Inc.Newport, MN

To acquire, via merger, 100% of the voting shares of Security Bancorporation, Inc., Newport, MN*Dairyland Bancorp, Inc.Bruce, WI

To acquire 100% of the voting shares of Bruce Bancshares, Inc., Bruce, Wisconsin*The First National Bank of Keewatin Keewatin, MN

To acquire 100% of the voting shares of the State Bank of Conger, Conger, MN*Americana Bank Edina, MN

To acquire 100% of the voting shares of the State Bank of Conger, Conger, MN*Americana Bancorporation of Minnesota, Inc., Edina, MN To indirectly acquire 100% of the voting shares of the State Bank of Conger, Conger, MN*Keewatin Bancorporation, Inc. Biwabik, MN

To indirectly acquire 100% of the voting shares of the State Bank of Conger, Conger, MN*


6-17-93(Federal Register)

Not yet available





* Subject to CRA



Section II - Applications Subject to BothNewsDaper and Federal Recrister Notice (Continued)

ApplicationComment Period Endina Date

Rolla Holding Company, Inc.Rolla, ND

To acquire 98% of the voting shares of the First National Bank, Hottinger, ND*

6-30-93(Newspaper)

Fort Ridgely National Bancorporation, Inc., Fairfax, MN

To acquire 84% of the voting shares of First National Bank of Fairfax, Fairfax, MN*

Not yet available

Marquette Bancshares, Inc.Minneapolis, MNto acquire 100% of the voting shares of the First State Holding Company, Coon Rapids, MN*

Not yet available

Farmers State Corporation Mountain Lake, MN

Green Lake State Bank Spicer, MN*

Not yet available

Section III - Applications Subject to Federal Register Notice Only

ApplicationComment Period Endina Date

Norwest Corporation Minneapolis, MN To acquire Citicorp Services, Long Island City, NY (Bloomington, MN office) and engage in securities brokerage activities.

6-17-93

Menomonie Financial Services, Inc. Menomonie, WITo engage de novo in data processing activities.

Not yet available

* Subject to CRA


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


ApplicationNone.


FEDERAL RESERVE BANK OF MINNEAPOLISSection V - Availability of

CRA Public Evaluations week ending June 4, 1993ASSIGNMENT OF RATING

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 (S) EXAMINED DATE OF EXAMINATION CRA RATINGThe First State Bank March 2, 1993 Satisfactoryof Malta

P. 0. Box 910 Malta, MT 59538-0910 (406) 654-2340


Federal Reserve Bank of Kansas City

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLYAPPLICATION COMMENT PERIOD ENDING DATE

None.SECTION II - APPLICATIONS SUBJECT TO BOTH

NEWSPAPER AND FEDERAL REGISTER NOTICEAPPLICATION COMMENT PERIOD ENDING DATE

Leonard F. Harper Trust, Kinsley, Kansas, for prior approval to acquire 66.66 percent of the voting shares of Kinban, Inc., Kinsley, Kansas.John R. Adams 1991-S Trust, Steamboat Springs, Colorado, for prior approval to acquire 34.6 percent of Routt County National Bank Corporation, Steamboat Springs, Colorado.Little River Bankshares, Inc., Little River, Kansas, for prior approval to become a bank holding company through the acquisition of 91.8 percent of the voting shares of The Home National Bank, Little River, Kansas.*Mountain Parks Financial Corporation, Minneapolis, Minnesota, for prior approval to become a bank holding company through the acquisition of 100 percent of the voting shares of The Bank, N.A., Breckenridge,Colorado.*Robert J. O'Halloren, Kansas City, Missouri, for prior approval to increase his voting control of International Bancshares, Inc., Gladstone, Missouri, from 21.34 percent to 28.97 percent.Citizens Holding Corporation and Bank ESOP, Keenesburg, Colorado, for prior approval to increase ownership in Citizens Holding Corporation, Keenesburg, Colorado, from 25.1 percent to 30.3 percent.*

Not Available

Not Available

Not Available

Not Available

Not Available

Not Available



Sioux National Company, Lincoln, Not AvailableNebraska, for prior approval to acquire 95.5 percent of Crawford State Company, Lincoln, Nebraska.*FNB Financial Services, Inc., ESOP, Not AvailableDurant, Oklahoma, for prior approvalto become a bank holding companythrough the acquisition of 30 percentof the voting shares of FNB FinancialServices, Inc., Durant, Oklahoma.*SECTION III - APPLICATIONS SUBJECT TO FEDERAL REGISTER NOTICE

ONLYAPPLICATION COMMENT PERIOD ENDING DATE

Pueblo Bancorporation, Inc., Pueblo, Colorado, for prior approval to acquire 100 percent of the voting shares of Thatcher Bank, F.S.B., Salida, Colorado.Mountain Parks Financial Corporation, Minneapolis, Minnesota, for prior approval to acquire 100 percent of the voting shares of Mountain Parks Data Corporation, Golden, Colorado.Oak Park Bancshares, Inc., Overland Park, Kansas, for prior approval to specifically provide financial and investment advisory services.

Not Available

Not Available

Not Available


APPLICATION

Mountain Parks Financial Corporation, Not AvailableMinneapolis, Minnesota, for prior approval to redeem their own voting common stock.



SECTION V - AVAILABILITY OF CRA PUBLIC EVALUATIONS 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 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/LocationCRA Public

Exam Date DateCRA

RatingUnion State Bank 03-08-93 06-03-93 SatisfactoryP.0. Box 560 Upton, Wyoming

♦Application is subject to CRA.


APPLICATIONS AND NOTIFICATIONS FILED DURING THE WEEK OF MAY 31, 1993

SECTION I - APPLICATIONS SUBJECT TO NEWSPAPER NOTICE ONLY

FEDERAL RESERVE BANK OF DALLAS APPLICATIONS BULLETIN

APPLICATION NOTICE EXP

None.


APPLICATION ** NOTICE EXP

Change in Control Notice byGeorge W. Marti, Cleburne, TX, to acquire an interestin Community Bank, Cleburne, TX(Previously reported during the week of 4-19-93)

♦Section 3(a)(3) application byFirst Baird Bancshares, Inc., Baird, TX, and First Baird Bancshares of Delaware, Inc., Dover, DE, to acquire Parker County Bancshares, Inc.,, Weatherford, TX; First Parker Bancshares, Inc., Carson City, NV; Weatherford Bancshares, Inc., Weatherford, TX; First Weatherford Bancshares, Inc., Carson City, NV; and First National Bank of Weatherford, Weatherford, TX (Previously reported during the week of 5-24-93)

♦Section 3(a)(3) application by South Plains Financial, Inc., Morton, TX, to acquire Hub Financial Corporation, Lubbock, TX, and City Bank, Lubbock, TX

♦Section 3(a)(3) application bySouth Plains Delaware Financial Corporation, Dover, DE, to acquire Hub Financial Corporation, Lubbock, TX, and City Bank, Lubbock, TX

♦Section 3(a)(3) application by Morton Financial Corporation, Morton, TX, to acquire Hub Financial Corporation, Lubbock, TX, and City Bank, Lubbock, TX

♦Section 3(a)(3) application bySouth Plains Financial Corporation, Dover, DE, to acquire Hub Financial Corporation, Lubbock, TX, and City Bank, Lubbock, TX

93/06/03

93/06/26

93/06/28

93/06/28

93/06/28

93/06/28


Change in Control Notice byGeorgia A. Banker-Trustee, Granbury, TX, to acquire aninterest in Community Bankers, Inc., Granbury, TX N/A

Change in Control Notice byPaul Gerard Heafy, Oklahoma City, OK, to acquire aninterest in Parker County Bancshares, Inc., Weatherford, TX N/A

Change in Control Notice byCharles T. Doyle, Texas City, TX, to acquire an interestin Texas Independent Bancshares, Inc., Texas City, TX N/A

Change in Control Notice byWilliam J. Estrada, Houston, TX, to acquire an interestin Texas Independent Bancshares, Inc., Texas City, TX N/A

Change in Control Notice byLawrence J. Del Papa, Galveston, TX, to acquire aninterest in Texas Independent Bancshares, Inc., TexasCity, TX N/A


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 EVALUATIONSFOR THE WEEK OF MAY 31, 1993

Outstanding record of meeting community credit needs.

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

Satisfactory record of meeting community credit needs.

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

Needs to Improve record of meeting community credit needs.

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

Substantial Noncompliance in meeting community credit needs.

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

BankDate of

Examination CRA Rating

None.


Week ending 6/04/93

Section I - Applications Subject to Newspaper Notice Only

Application Comment Period Ending Date

None

FEDERAL RESERVE BANK OF SAN FRANCISCO



None

Section III - Applications Subject to Federal Register Notice Only


The Sanwa Bank, Limited, Osaka, Japan, to Fed. Reg.: Not availableacquire, through indirect ownership, one share of common stock of Government Pricing Information System, Inc., through Sanwa-BGK Securities Co.,L.P., 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 6/04/93

Section V - Availability of CRA Public Evaluations

The CRA public evaluations of the institution(s) below became available during the week ending June 4, 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 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 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 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 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.


Documents

H.2 Actions of the Board, its Staff, and the Federal Reserve Banks; … · 1993/6/5 · Barnett Bank of Polk County, Lakeland, Florida -- investment in bank premises. Approved, June