h2_19830402.pdf

ANNOUNCEMENT BY

BOARD UF GOVERNORS OF THE

FEDERAL RESERVE SYSTEM (H.2, 1983 No. 13)

A c t i o n s of t h e B o a r d ; A p p l i c a t i o n s and Repor t s

Received During t h e Week Ending Apri l 2 , 1983

APPLICABLE RESERVE BANK ACTIONS OF THE BOARD

Boston

P h i l a d e l p h i a



Richmo nd

R e g u l a t i o n Z ( T r u t h in Lending) amendments a f f e c t i n g a r r a n g e r s of c r e d i t , s t u d e n t l o a n s and t h e use of c a l c u l a t i o n d e v i c e s i n d e t e r m i n i n g annual p e r c e n t a g e r a t e s ; e f f e c t i v e Apri l 1 , 1983 (Docket No. R-0450)

Shawmut Community Bank, N . A . , Frami ngham, M a s s a c h u s e t t s , p roposed merger wi th Peop les Nat iona l Bank of Mar l -bo rough , M a s s a c h u s e t t s , r e p o r t t o t h e C o m p t r o l l e r of t h e Cur rency on c o m p e t i t i v e f a c t o r s . J /

Union Bank and T r u s t Company of E a s t e r n P e n n s y l v a n i a , Be th l ehem, P e n n s y l v a n i a , proposed merger with Lehigh I n t e r i m Bank, Be th lehem, P e n n s y l v a n i a , under t h e t i t l e and c h a r t e r of t h e f o r m e r , r e p o r t t o t h e Federa l D e p o s i t I n s u r a n c e C o r p o r a t i o n on c o m p e t i t i v e f a c t o r s . \ j

Nor the rn Cen t r a l Bank, W i l l i a m s p o r t , P e n n s y l v a n i a , p r o -posed merger wi th The S t a t e Bank of Rome, Rome, P e n n s y l v a n i a , under t h e t i t l e and c h a r t e r of Nor the rn C e n t r a l Bank, r e p o r t t o t h e Federa l Depos i t I n s u r a n c e C o r p o r a t i o n on c o m p e t i t i v e f a c t o r s . ]_/

County Na t iona l Bank of Mon t rose , Mon t rose , P e n n s y l v a n i a , p roposed merger w i t h M.H.L.R. Na t iona l Bank, Mont rose , P e n n s y l v a n i a , under t h e t i t l e of t h e former and c h a r t e r of t h e l a t t e r , r e p o r t t o t h e C o m p t r o l l e r of t he Currency on c o m p e t i t i v e f a c t o r s . _!_/

Bank of S o u t h s i d e V i r g i n i a , Ca r son , V i r g i n i a , proposed merger wi th The Newco Bank, Ca r son , V i r g i n i a , a proposed new b a n k , r e p o r t t o t h e Federa l Depos i t I n s u r a n c e C o r p o r a t i o n on c o m p e t i t i v e f a c t o r s . \ J

T / A p p l i c a t i o n p r o c e s s e d on beha l f of t n e Board of Governors under d e l e g a t e d a u t h o r i t y .

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

H.2, 1983 No. 13 - 2 -

ACTIONS OF THE BOARD - Cont inued

Chicago

Richmond

Chicago

Kansas C i ty

Chicago


Boston

Richmond

Richmond

F i r s t S e c u r i t y I n t e r i m Bank, Oak Brook, I l l i n o i s , proposed merge r wi th F i r s t S e c u r i t y Bank of Oak Brook, Oak Brook, I l l i n o i s , under t h e c h a r t e r and t i t l e of t h e l a t t e r , r e p o r t t o t h e Federa l Depos i t I n s u r a n c e C o r p o r a t i o n on c o m p e t i t i v e f a c t o r s . ]_/

F i r s t - C i t i z e n s Bank & T r u s t Company, R a l e i g h , North C a r o l i n a , p roposed merger w i t h Peoples Bank of North C a r o l i n a , Madison, North C a r o l i n a , r e p o r t t o t h e Federa l D e p o s i t I n s u r a n c e C o r p o r a t i o n on c o m p e t i t i v e f a c t o r s . j_/

Shipshewana S t a t e Bank, Sh ipshewana , I n d i a n a , proposed merger wi th G .E .S . Bank, Sh ipshewana , I n d i a n a , under t h e c h a r t e r of G.E.S . Bank and t i t l e of Shipshewana S t a t e Bank, r e p o r t t o t h e Federa l Depos i t I n s u r a n c e C o r p o r a t i o n on c o m p e t i t i v e f a c t o r s . ]_/

Rio Grande Va l l ey Bank, A lbuque rque , New Mexico, proposed merger w i t h Fi r s t C i ty Na t iona l Bank. Albuquerque , New Mexico, r e p o r t t o t h e Fede ra l Depos i t I n s u r a n c e Cor-p o r a t i o n on c o m p e t i t i v e f a c t o r s . ]_/

C e n t r a l S t a t e Bank, Conne r sv i l l e , I n d i a n a , i nves tmen t in bank p r e m i s e s . J J

Independent Bank and T r u s t Company, West T r e n t o n , New J e r s e y , e x t e n s i o n of t ime t o October 5, 1983, w i t h i n . which t o open i t s Mercer County A i r p o r t Branch a t Bear Tavern Road and I n t e r s t a t e N i n e t y - f i v e , Mercer County , New J e r s e y . ]_/

S t a t e S t r e e t Boston C o r p o r a t i o n , Bos ton , M a s s a c h u s e t t s , e x t e n s i o n of t i m e t o J u l y 9 , 1983, w i t h i n which t o a c q u i r e th rough a s tock o p t i o n 16 .6 p e r c e n t of t h e v o t i n g s h a r e s of Worces t e r Bancorp , W o r c e s t e r , M a s s a c h u s e t t s . ]_/

Al legheny Bankshares C o r p o r a t i o n , Lewi s b u r g , West V i r g i n i a , e x t e n s i o n of t ime t o June 17, 1983, w i t h i n which t o become a bank ho ld ing company through t h e a c q u i s i t i o n of t h e s u c c e s s o r by merger t o G r e e n b r i e r Val ley Bank, Lewi s b u r g , West V i r g i n i a . ]_/

G r e e n b r i e r Va l ley Bank, Lewi s b u r g , West V i r g i n i a , e x t e n s i o n of t ime to June 17, 1983, w i t h i n which to me rye w i t h The Al legheny Bank, Lewi s b u r g , West V i r g i n i a .

TJ A p p l i c a t i o n p roce s sed on beha l f of t h e Board of Governors under d e l e g a t e d a u t h o r i t y .


H.2, 1983 No. 13

Chicago

A t l a n t a

S t . Lou i s

Kansas C i ty

Kansas Ci ty

Kansas C i ty

Kansas Ci ty

Kansas C i ty

Kansas C i ty

- 3 -


Bancap, I n c . , Po l and , I n d i a n a , e x t e n s i o n of t ime to Apr i l 27, 1983, w i t h i n which to become a bank ho ld ing company th rough a c q u i s i t i o n of 80 p e r c e n t or more of t h e v o t i n g s h a r e s of Peoples S t a t e Bank of Clay County , Po l and , I n d i a n a . _!_/

Q u a l i t y F i n a n c i a l S e r v i c e s C o r p o r a t i o n , A l e x a n d r i a , T e n n e s s e e , e x t e n s i o n of t ime to March 31, 1983, w i t h i n which to become a bank ho ld ing company th rough a c q u i s i t i o n of DeKalb County Bank and T r u s t Company, A l e x a n d r i a , T e n n e s s e e . Xj

F i r s t Fordyce B a n c s h a r e s , I n c . , Fordyce , Arkansas , e x -t e n s i o n of t ime t o J u l y 1 7, 1983, w i t h i n which t o become a bank ho ld ing company th rough a c q u i s i t i o n of t h e s u c c e s s o r by merger to t h e F i r s t Nat iona l Bank of F o r d y c e , Fordyce , Arkansas . 1/

Southwest B a n k s h a r e s , I n c . , Rio Rancho, New Mexico, e x t e n s i o n of t ime to June 18, 1983, w i t h i n which t o a c q u i r e Bank of t h e S o u t h w e s t , Rio Rancho, New Mexico. J J

F i r s t Wyoming B a n c o r p o r a t i o n , Cheyenne, Wyoming, e x -t e n s i o n of t i m e t o J u l y 11 , 1983, w i t h i n which t o a c q u i r e S t a t e Bank of Big P i n e y , Big P i n e y , Wyoming. ]_/

Evco, I n c . , C a s p e r , Wyoming, e x t e n s i o n of t ime t o June 5, 1983, w i t h i n which t o a c q u i r e F i r s t Nat ional Bank in E v a n s t o n , Evans ton , Wyoming. J /

C h a r t e r B a n c s h a r e s , I n c . , Oklahoma C i t y , Oklahoma, e x t e n s i o n of t ime t o May 23, 1983, w i t h i n which t o a c q u i r e C h a r t e r Nat iona l Bank, Oklahoma C i t y , Oklahoma. ]_/

Ameribank C o r p o r a t i o n , Shawnee, Oklahoma, e x t e n s i o n of t ime t o May 31 , 1983, w i t h i n which to a c q u i r e Amer icorp , Shawnee, Oklahoma, and t h e r b y ga in i n d i r e c t c o n t r o l of American Nat iona l Bank and T r u s t Company of Shawnee, Oklahoma. ]_/

Lakes hore B a n c s h a r e s , I n c . , Oklahoma C i t y , Oklahoma, e x t e n s i o n of t ime to May 31 , 1983, w i t h i n which to a c q u i r e Lakeshore Bank, N.A. , Oklahoma C i t y , Oklahoma. J /

Tj Appl i c a t ion p roce s sed on beha l f of t he Board of Governors under d e l e g a t e d a u t h o r i t y .


e H.2 , 1983 No. 13 - 4 -


San F ranc i sco

San F r a n c i s c o

San F ranc i sco


New York

New York

A t l a n t a

T r i - V a l l e y Bancorp , D u b l i n , C a l i f o r n i a , e x t e n s i o n of t ime t o J u l y 10, 1983, w i t h i n which to become a bank ho ld ing company th rough a c q u i s i t i o n of T r i - V a l l e y Na t iona l Bank, a proposed new bank, D u b l i n , C a l i f o r n i a . J J

U. S. B a n c o r p . , P o r t l a n d , Oregon, e x t e n s i o n of t i m e t o J u l y 7 , 1983, w i t h i n which to begin o p e r a t i o n of F t . C o l l i n s U. S. I n d u s t r i a l Bank, F t . C o l l i n s , C o l o r a d o . \ j

U. S. Bancorp , P o r t l a n d , Oregon, e x t e n s i o n of t ime t o J u l y 17, 1983, w i t h i n which t o begin o p e r a t i o n of branch o f f i c e s of U. S. Bancorp Mortgage Company in Spokane and Bel 1evue , Washing ton . J /

U. S. Bancorp , P o r t l a n d , Oregon , e x t e n s i o n of t ime to J u l y 16, 1983, w i t h i n which t o begin o p e r a t i o n of branch o f f i c e of U. S. Bancorp Mortgage Company in Vancouver , Wash ing ton . ]f

Bankers T r u s t Company, New York, New York, e l i g i b l e a c c e p t a n c e s up t o 200 p e r c e n t of i t s p a i d up and un impa i red c a p i t a l s t o c k and s u r p l u s . ]_/

Morgan Guaranty T r u s t Company of New York, New York, e l i g i b l e a c c e p t a n c e s up t o 200 p e r c e n t of i t s un-impa i r ed c a p i t a l s t o c k and s u r p l u s . J /

D e r e g i s t r a t i o n f o r American H e r i t a g e L i f e I n s u r a n c e Company, J a c k s o n v i l l e , F l o r i d a , under R e g u l a t i o n G, S e c u r i t i e s C r e d i t by Persons o t h e r t h a n Banks, B roke r s o r D e a l e r s .

TJ A p p l i c a t i o n p r o c e s s e d on b e h a l f of t h e Board of Governors under d e l e g a t e d a u t h o r i t y .


H.2, 1983 No. 13 - b -

ACTIONS OF THE BUARl) - Cont inued

To Merye P u r s u a n t t o S e c t i o n 1 8 ( c ) of t h e Fede ra l Depos i t I n s u r a n c e Act

Approved C. C. S t a t e Bank, C e l i n a , Ohio . To merge wi th

The C i t i z e n s Commercial Bank, C e l i n a , Ohio . J J

F i r s t V i r g i n i a Bank, F a l l s Church , V i r g i n i a . To merge w i t h Fanners and Merchan t s S t a t e Bank, F r e d e r i c k s b u r g , V i r g i n i a . J /

CIeve land

Richmond

* * * * *

To E s t a b l i s h a Domestic Branch P u r s u a n t t o S e c t i o n 9 of t h e Fede ra l Rese rve Act

Approved New York Chemical Bank, New York, New York. To e s t a b l i s h

b ranch a t 2630 Hylan B o u l e v a r d , S t a t e n I s l a n d , New York. 1 /

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To Become a Member of t h e Fede ra l Reserve System P u r s u a n t t o S e c t i o n 9 of t h e F e d e r a l Rese rve Act

Approved C l e v e l a n d C. C. S t a t e Bank, C e l i n a , Oh io .

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I s sued I n t e n t Not t o Disapprove Change of Cont ro l P u r s u a n t t o Change in Bank Con t ro l Act of 1978

Not Disapproved M i n n e a p o l i s Bozeman Holding Company, Bozeman, Montana, j J

Kansas C i ty Sioux Na t iona l Company, L i n c o l n , Nebraska . 1/

T j A p p l i c a t i o n p r o c e s s e d on b e h a l f of t h e Board of Governors under d e l e g a t e d a u t h o r i t y .


H.2 , 1983 No. 13 - 6 -


A p p l i c a t i o n s and N o t i f i c a t i o n s f o r I n t e r n a t i o n a l I n v e s t m e n t s and Other Ac t ions Pu r suan t t o S e c t i o n s 25 and 2 5 ( a )

of t h e Federa l Reserve Act and S e c t i o n s 4 ( c ) ( 9 ) and 4 ( c ) (13) of t h e Bank Holding Company Act of 1956* a s amended

S i x t y - P a y N o t i f i c a t i o n P e r i o d Waived New York Bankers T r u s t Company, New York, New York: no

o b j e c t i o n t o a c q u i r e , d i r e c t l y o r i n d i r e c t l y , a l l of t h e s h a r e s of a de novo commercial bank s u b s i d i a r y , Bankers T r u s t ( F r a n c e ) , P a r i s , F r a n c e .

* * * * *

To Form a Bank Holding Company Pu r suan t t o S e c t i o n 3 ( a ) ( 1 ) of t h e Bank Holding Company Act of 1956

Withdrawn M i n n e a p o l i s F i r s t Nat iona l of South Dakota , I n c . , Yankton, South

Dako ta , f o r approva l t o a c q u i r e 100 p e r c e n t of t h e v o t i n g s h a r e s of Sioux E n t e r p r i s e s , I n c . , and i n d i r e c t l y 9 2 . 6 p e r c e n t of Va l l ey S t a t e Bank, both i n Yankton, South Dakota .

Approved Boston Home Nat ional C o r p o r a t i o n , Mil f o r d , M a s s a c h u s e t t s , .

f o r approva l t o a c q u i r e 100 p e r c e n t of t h e v o t i n g s h a r e s of The Home Nat iona l Bank of Mil f o r d , Mil f o r d , M a s s a c h u s e t t s . J /

P h i l a d e l p h i a Newco, P h i l a d e l p h i a , P e n n s y l v a n i a , f o r approval t o a c q u i r e P h i l a d e l p h i a Na t iona l C o r p o r a t i o n , P h i l a -d e l p h i a , P e n n s y l v a n i a and P h i l a d e l p h i a Nat ional Bank, Ardmore, Pennsy lvan i a and i n d i r e c t l y The P h i l a d e l p h i a Bank ( D e l a w a r e ) , Wilmington, De laware . 1/

A t l a n t a American B a n k s h a r e s , Inc . to a c q u i r e 100 p e r c e n t American Bank, Bowman,

, Bowman, Georg i a , f o r approva l of t h e v o t i n g s h a r e s of The G e o r g i a . 1/

A t l a n t a F i r s t C i t i z e n s B a n c s h a r e s C o r p o r a t i o n , P i n e v i l i e , L o u i s i a n a , f o r approval t o a c q u i r e a t l e a s t 9 7 . 4 p e r c e n t of t he v o t i n g s h a r e s of F i r s t Bank, P i n e v i l l e , L o u i s i a n a . 1/

T7 A p p l i c a t i o n p r o c e s s e d on beha l f of t h e Board of Governors under d e l e g a t e d a u t h o r i t y .

I


H.2, 1 9 8 3 N o . 13 - 7 -

ACTIONS UF THE BOARD - Cont inued

At 1 a n t a

Chicago

Chicago

Chicago

S t . Louis

Kansas C i ty

Kansas C i t y

Kansas C i ty


Wil l iamson County Bancorp , I n c . , F r a n k l i n , T e n n e s s e e , f o r approval t o a c q u i r e 100 p e r c e n t of t h e v o t i n g s h a r e s of Wi l l i amson County Bank, F r a n k l i n , T e n n e s s e e . ]_/

Americorp F i n a n c i a l , I n c . , Rock f o r d , I l l i n o i s , f o r approval t o a c q u i r e 100 p e r c e n t of t h e v o t i n g s h a r e s of American Na t iona l Bank and T r u s t C o . , Rock f o r d , I l l i n o i s ; Co lon ia l Bank of Rock f o r d , Rock fo rd , I l l i n o i s ; F i r s t Na t iona l Bank of Woodstock, Woodstock, I l l i n o i s ; and C a r p e n t e r s v i l i e Savings Bank, C a r p e n t e r s v i 1 l e , II l i n o i s . V

DEKALB FINANCIAL CORP., W a t e r l o o , I n d i a n a , f o r approva l t o a c q u i r e 100 p e r c e n t of t h e v o t i n g s h a r e s of C i t i z e n s S t a t e Bank, W a t e r l o o , I n d i a n a . ]_/

Outagamie Bank S h a r e s , I n c . , App le ton , Wiscons in , f o r approval t o a c q u i r e 100 p e r c e n t of t h e v o t i n g s h a r e s of t h e s u c c e s s o r by merger t o The Outagamie Bank, A p p l e t o n , W i s c o n s i n . ]_/

North C e n t r a l F i n a n c i a l C o r p o r a t i o n , Melbourne , A r k a n s a s , f o r approva l t o a c q u i r e a t l e a s t 80 p e r c e n t of t h e v o t i n g s h a r e s of The Bank of North Arkansa s , Melbourne , Arkansas ( f o r m e r l y The Bank of Me lbou rne ) . \ j

P h a l i a B a n c n h a r e s , I n c . , W e s t p h a l i a , Kansas , f o r approva l t o a c q u i r e a t l e a s t 93 p e r c e n t of t h e v o t i n g s h a r e s of S t a t e Bank of W e s t p h a l i a , W e s t p h a l i a , Kansas . J J

S t . Paul B a n c o r p o r a t i o n , I n c . , S t . P a u l , Nebraska , f o r approval t o a c q u i r e a t l e a s t 80 p e r c e n t of t h e v o t i n g s h a r e s of S t . Paul Na t iona l Bank, S t . Paul , Nebraska . ]_/

Val Cor B a n c o r p o r a t i o n , I n c . , C o r t e z , C o l o r a d o , f o r approva l t o a c q u i r e a t l e a s t 80 p e r c e n t of t h e v o t i n g s h a r e s of Va l ley Na t iona l Bank of C o r t e z , C o r t e z , C o l o r a d o . J_/

Bay B a n c o r p o r a t i o n , San Leandro , C a l i f o r n i a , f o r approval t o a c q u i r e 100 p e r c e n t of t h e v o t i n g s h a r e s of Bay Bank of Commerce, San Leandro , C a l i f o r n i a . 1/

* * * * *

T] A p p l i c a t i o n p r o c e s s e d on beha l f of t h e Board of Governors under d e l e g a t e d a u t h o r i t y .


H.2, 1983 No. 13 - 3 -


To Expand a Bank Holding Company P u r s u a n t to S e c t i o n 3 ( a ) ( 3 ) of t h e Bank Holding Company Act of 1956

Approved Na t iona l C e n t r a l F i n a n c i a l C o r p o r a t i o n , L a n c a s t e r ,

P e n n s y l v a n i a , f o r approva l t o a c q u i r e P h i l a d e l p h i a Na t iona l C o r p o r a t i o n , P h i l a d e l p h i a , Pennsy lvan i a and P h i l a d e l p h i a Na t iona l Bank, Ardmore, P e n n s y l -van ia and i n d i r e c t l y The P h i l a d e l p h i a Bank ( D e l a w a r e ) , Wi lming ton , D e l a w a r e . J /

F i r s t C i t y F i n a n c i a l C o r p o r a t i o n , A lbuque rque , New Mexico, f o r approva l t o a c q u i r e 100 p e r c e n t of t h e v o t i n g s h a r e s of Bank of t h e S o u t h w e s t , Rio Rancho, New Mexico. J /

R a i n i e r B a n c o r p o r a t i o n , I n c . 9 S e a t t l e , Washington , f o r approva l t o a c q u i r e a t l e a s t 90 p e r c e n t of t h e v o t i n g s h a r e s of Peop le s Bank & T r u s t Company, Anchorage , A la ska . ]_/

* * * * *

To Expand a Bank Holding Company P u r s u a n t t o S e c t i o n 3 ( a ) ( 5 ) of t h e Bank Holding Company Act of 1956

Approved S t . Louis F i r s t Tennessee Na t iona l C o r p o r a t i o n , Memphis,

T e n n e s s e e , f o r approva l t o merge w i t h Mountain F i n a n c i a l Company, Maryvil l e , Tennessee and i n d i r e c t l y a c q u i r e 100 p e r c e n t of t h e v o t i n g s h a r e s of Bank of M a r y v i l l e , M a r y v i l l e , T e n n e s s e e . J /

* * * * *


Dal l a s


To Expand a Bank Holding Company P u r s u a n t t o S e c t i o n 4 ( c ) ( 8 ) of t h e Bank Holding Company Act of 1956

Approved P h i l a d e l p h i a Na t iona l Cen t ra l F i n a n c i a l C o r p o r a t i o n , L a n c a s t e r ,

P e n n s y l v a n i a , f o r approva l t o a c q u i r e i n d i r e c t l y The Colon ia l Group of Companies , Signal F i n a n c i a l C o r p o r a t i o n , Congress F i n a n c i a l C o r p o r a t i o n , 20 p e r c e n t of t h e v o t i n g s h a r e s of C h a r t e r A t l a n t i c C o r p o r a t i o n , and PNB Commercial F i n a n c i a l C o r p o r a t i o n . 1 /

T7 A p p l i c a t i o n p r o c e s s e d on beha l f of t h e Board of Governors under ~~ d e l e g a t e d a u t h o r i t y .

i


H.2 , 1983 No. 13 - 9 -


P h i l a d e l p h i a Newco, P h i l a d e l p h i a , P e n n s y l v a n i a , f o r approval t o a c q u i r e i n d i r e c t l y The C o l o n i a l Group of Companies, S ignal F i n a n c i a l C o r p o r a t i o n , Congress F i n a n c i a l C o r p o r a t i o n , 20 p e r c e n t of t h e v o t i n g s h a r e s of C h a r t e r A t l a n t i c C o r p o r a t i o n and PN8 Commercial F inance C o r p o r a t i o n . ]_/

S t . Louis F i r s t Tennessee Na t iona l C o r p o r a t i o n , Memphis, T e n n e s s e e , f o r approva l t o i n d i r e c t l y conduc t c e r t a i n l e a s i n g a c t i v i t i e s t h r o u g h a going concern nonbank s u b s i d i a r y , Mountain Leas ing Company, M a r y v i l l e , T e n n e s s e e . V

Delayed D a l l a s Commercial B a n c s h a r e s , I n c . , Hous ton , Texas , n o t i f i c a t i o n

of i n t e n t t o engage in de novo a c t i v i t i e s (making o r a c q u i r i n g l oans and o t h e r e x t e n s i o n s of c r e d i t such as would be made by a commercial f i n a n c i a l company, i n c l u d i n g commercial l oans s ecu red by a b o r r o w e r ' s e q u i p m e n t , i n v e n t o r y , a c c o u n t s r e c e i v a b l e , o r o t h e r a s s e t s ; s e r v i c i n g such l o a n s f o r o t h e r s ; and making l e a s e s of p e r s o n a l p r o p e r t y in a c c o r d a n c e with t h e B o a r d ' s R e g u l a t i o n Y) t h e s e a c t i v i t i e s would be p e r -formed in t h e S t a t e of Texas ( 3 / 2 8 / 8 3 ) 3/

R e a c t i v a t e d M i n n e a p o l i s Nor thwest B a n c o r p o r a t i o n , M i n n e a p o l i s , M i n n e s o t a ,

n o t i f i c a t i o n of i n t e n t t o r e l o c a t e de novo a c t i v i t i e s (consumer and commercial f i n a n c e , and t h e s a l e of c r e d i t - r e l a t e d i n s u r a n c e , i n c l u d i n g c r e d i t l i f e , c r e d i t a c c i d e n t and h e a l t h and p r o p e r t y and c r e d i t - r e l a t e d c a s u a l t y i n s u r a n c e r e l a t e d t o e x t e n s i o n s of c r e d i t by Dial F inance Company of North C a r o l i n a , Dial C r e d i t Company of North C a r o l i n a and F i r s t D i a l , I n c . [such s a l e of c r e d i t -r e l a t e d i n s u r a n c e be ing a p e r m i s s i b l e a c t i v i t y under Subparagraph D of T i t l e VI of t h e G a r n - S t . Germain D e p o s i t o r y I n s t i t u t i o n s Act of 1982] ) from Cen te r P laza B u i l d i n g , S u i t e GF, 411 F a y e t t e v i l l e S t r e e t , R a l e i g h , Nor th C a r o l i n a , t o 2920 Highwoods B o u l e v a r d , S u i t e 121, R a l e i g h , North C a r o l i n a , which o f f i c e , upon r e l o c a t i o n , w i l l s e r v e R a l e i g h , North C a r o l i n a , t h r o u g h i t s s u b s i d i a r i e s , Dial F inance Company of North C a r o l i n a , Dial C r e d i t Company of North C a r o l i n a and F i r s t D i a l , I n c . ( 3 / 2 8 / 8 3 ) 3/

TJ A p p l i c a t i o n p r o c e s s e d on beha l f of t h e Board of Governors under d e l e g a t e d a u t h o r i t y .

3/ 4 ( c ) ( 8 ) n o t i f i c a t i o n p r o c e s s e d by Rese rve Bank on beha l f of t h e Board of Governors under d e l e g a t e d a u t h o r i t y .


H.2, 1983 No. 13 - TO -

ACTIONS OF THE BOARD - Continued

P e r m i t t e d Boston F l e e t F i n a n c i a l Group, I n c . , P r o v i d e n c e , Rhode

I s l a n d , n o t i f i c a t i o n of i n t e n t to engage in de novo a c t i v i t i e s ( ( i ) t h e o r i g i n a t i o n , s a l e and s e r v i c i n g of r e s i d e n t i a l mortgage l o a n s , commercial mor tgage l oans and loans s ecu red by j u n i o r l i e n s on r e s i d e n t i a l r ea l e s t a t e and ( i i ) t h e s a l e of mortgage l i f e and mortgage a c c i d e n t and h e a l t h i n s u r a n c e d i r e c t l y r e l a t e d t o e x t e n s i o n s of c r e d i t ) a t 51 A t l a n t i c P l a c e , Dar l ing Avenue and Foden Road, South P o r t l a n d , Maine, s e r v i n g t h e S t a t e of Maine , th rough i t s s u b s i d i a r y , F l e e t Mortgage Corp. ( f o r m e r l y Mortgage A s s o c i a t e s , I n c . ) ( 3 / 3 0 / 8 3 ) 3/

Boston Old S tone C o r p o r a t i o n , P r o v i d e n c e , Rhode I s l a n d , n o t i f i c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s (making and a c q u i r i n g , f o r i t s own account o r t h e accoun t of o t h e r s , commercial l oans and o t h e r e x t e n s i o n s of commercial c r e d i t , p r o v i d i n g , however , t h a t Guild does not a ccep t demand d e p o s i t s o r o f f e r NOW a c c o u n t s ) i n P r o v i d e n c e , and Warwick, Rhode I s l a n d , s e r v i n g t h e c o n t i n e n t a l Uni ted S t a t e s , Alaska and Hawai i , t h rough a whol ly-owned s u b s i d i a r y , Guild Loan and Inves tmen t Company ( 4 / 1 / 8 3 ) 3/

Boston Shawmut C o r p o r a t i o n , Bos ton , M a s s a c h u s e t t s , n o t i f i c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s (commercial f i n a n c e a c t i v i t i e s i n c l u d i n g t h e making o r a c q u i r i n g f o r i t s own a c c o u n t o r f o r t h e accoun t of o t h e r s l oans and o t h e r e x t e n s i o n s of c r e d i t such as would be made by a f i n a n c e company ( i n c l u d i n g , w i thou t l i m i t a t i o n , commercial l o a n s , which may be s ecu red by a c c o u n t s r e c e i v a b l e , i n v e n t o r y , equ ipment or o t h e r a s s e t s ) and s e r v i c i n g such l o a n s and o t h e r e x t e n s i o n s of c r e d i t f o r o t h e r s ) a t 645 Madi son Avenue, New York, New York, s e r v i n g t h e Uni ted S t a t e s , th rough i t s s u b s i d i a r y , Shawmut C r e d i t Corp. ( 3 / 3 0 / 8 3 ) 3/

Richmond Dominion Banksha res C o r p o r a t i o n , Roanoke, V i r g i n i a , n o t i f i c a t i o n of i n t e n t to engage in de novo a c t i v i t i e s ( a c t i n g as i n v e s t m e n t or f i n a n c i a l a d v i s o r to t h e e x t e n t of f u r n i s h i n g genera l economic i n f o r m a t i o n and a d v i c e , genera l economic s t a t i s t i c a l f o r e c a s t i n g s e r v i c e s and i n d u s t r y s t u d i e s ) in H a r r i s o n b u r g ,

"37 4 ( c ) ( 8 ) n o t i f i c a t i o n p r o c e s s e d by Reserve Bank on behal f of t h e ~~ Board of Governors under d e l e g a t e d a u t h o r i t y .


H.2 , 1983 No. 13 - IT -


Richmond, Roanoke, and W i n c h e s t e r , V i r g i n i a , t h r o u g h i t s s u b s i d i a r y , Dominion T r u s t Company ( 4 / 1 / 8 3 ) 3/

Richmond The Wachovia C o r p o r a t i o n , Wins ton-Salem, North C a r o l i n a , n o t i f i c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s ( p r o v i d i n g mortgage banking s e r v i c e s , i n c l u d i n g t h e o r i g i n a t i o n and p r o c e s s i n g of r e s i d e n t i a l , c o n s t r u c t i o n , d e v e l o p m e n t , and income p r o p e r t y mor tgage l o a n s ; t h e p u r c h a s e and s a l e o r p lacement of mortgage l o a n s ; t h e a d m i n i s t r a t i o n and s e r v i c i n g of mor tgage l o a n s ; t h e management and s a l e of p r o p e r t i e s a c q u i r e d t h r o u g h f o r e c l o s u r e o r t r a n s f e r s in l i e u of f o r e c l o s u r e ; and a c t i n g as agen t f o r c r e d i t l i f e and c r e d i t a c c i d e n t and h e a l t h i n s u r a n c e and f o r p r o p e r t y and c a s u a l t y i n s u r a n c e r e l a t e d t o e x t e n s i o n s of c r e d i t ) a t Park Wood Shopping C e n t e r , 101 West Ward B o u l e v a r d , Wi lson , North C a r o l i n a , s e r v i n g Wi l son , Rocky Mount and Golds-b o r o , Nor th C a r o l i n a m a r k e t s , t h r o u g h i t s s u b s i d i a r y , Wachovia Mortgage Company ( 3 / 3 0 / 8 3 ) 3/

A t l a n t a Cen t r a l Bancs h a r e s of t h e Sou th , I n c . , Birmingham, Alabama, n o t i f i c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s ( a c t i n g a s i n s u r a n c e a g e n t or b r o k e r wi th r e s p e c t t o i n s u r a n c e d i r e c t l y r e l a t e d t o an e x t e n s i o n of c r e d i t , i n s u r a n c e d i r e c t l y r e l a t e d t o t h e p r o v i s i o n of o t h e r f i n a n c i a l s e r v i c e s by a p p l i c a n t and i t s s u b s i d i a r i e s , i n s u r a n c e to p r o t e c t a s s e t s f i n a n c e d by a p p l i c a n t and i t s s u b -s i d i a r i e s , i n s u r a n c e c a l c u l a t e d t o p r o t e c t t h e l e n d e r ' s a b i l i t y t o o b t a i n repayment of l o a n s , and any i n s u r a n c e w i t h i n t h e l i m i t s of R e g u l a t i o n Y) i n F a i r h o p e , Span i sh F o r t , Daphne, Lake F o r e s t and R o b e r t s d a l e , a l l in Alabama, t h r o u g h i t s s u b s i d i a r y , CSN U n d e r w r i t e r s , I n c . ( 4 / 2 / 8 3 ) 3/

A t l a n t a F i r s t Bankers C o r p o r a t i o n of F l o r i d a , Pompano Beach, F l o r i d a , n o t i f i c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s ( i n p r o v i d i n g management c o n s u l t i n g a d v i c e t o bank and nonbank d e p o s i t o r y i n s t i t u t i o n s i n c l u d i n g , bu t not l i m i t e d t o , a d v i c e conce rn ing bank o p e r a t i o n s , sys tems and p r o c e d u r e s ; computer o p e r a t i o n s and m e c h a n i z a t i o n ; i m p l e m e n t a t i o n of e l e c t r o n i c f u n d s t r a n s f e r s y s t e m s ; s i t e p l a n n i n g and e v a l u a t i o n ; bank mergers and t h e e s t a b l i shment of new b r a n c h e s ; o p e r a t i o n and management of a t r u s t d e p a r t m e n t ; i n t e r n a t i o n a l bank ing ; f o r e i g n exchange t r a n s a c t i o n s ; p u r c h a s i n g p o l i c i e s and

3 / 4 ( c ) ( 8 ) n o t i f i c a t i o n p r o c e s s e d by Rese rve Bank on beha l f of t h e Board of Governors under d e l e g a t e d a u t h o r i t y .


H.2 , 1983 No. 13 - 12 -


p r a c t i c e s ; c o s t a n a l y s i s , c a p i t a l adequacy and p l a n n i n g ; a u d i t i n g ; a c c o u n t i n g p r o c e d u r e s ; t a x p l a n n i n g ; i n v e s t m e n t s , t o t h e e x t e n t p e r m i t t e d by R e g u l a t i o n Y promulga ted by t h e Fede ra l Reserve Board ; c r e d i t p o l i c i e s and a d m i n i s t r a t i o n , i n c l u d i n g c r e d i t d o c u m e n t a t i o n , e v a l u a t i o n , and debt c o l l e c t i o n ; p r o d u c t d e v e l o p m e n t , i n c l u d i n g s p e c i a l i z e d l e n d i n g p r o v i s i o n s ; m a r k e t i n g o p e r a t i o n s , i n c l u d i n g r e s e a r c h , marke t deve lopment and a d v e r t i s i n g p r o g r a m s ; p e r s o n n e l o p e r a t i o n s , i n c l u d i n g r e c r u i t i n g , t r a i n i n g , e v a l u a t i o n and c o m p e n s a t i o n ; and s e c u r i t y measures and p r o -c e d u r e s ) a t 1410 R a c e t r a c k Road (S. W. Th i rd S t r e e t ) , Pompano Beach, F l o r i d a , s e r v i n g c e n t r a l and s o u t h e r n F l o r i d a , t h r o u g h i t s s u b s i d i a r y , The F i r s t Bankers Management Group, I n c . ( 4 / 2 / 8 3 ) 3/

A t l a n t a Southwest F l o r i d a Banks , I n c . , F o r t Myers, F l o r i d a , n o t i f i c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s ( in r e a l e s t a t e a p p r a i s a l s e r v i c e s ) marke t a r e a s f o r t h e s e s e r v i c e s w i l l be in F l o r i d a c o u n t i e s of C o l l i e r , Lee, C h a r l o t t e , S a r a s o t a , Manatee , H i l l s b o r o u g h , P i n e l l a s and P a s c o , t h r o u g h i t s s u b s i d i a r y , Southwes t F i n a n c i a l S e r v i c e s , I n c . ( 4 / 2 / 8 3 ) 3 /

M i n n e a p o l i s Nor thwest B a n c o r p o r a t i o n , M i n n e a p o l i s , Minneso ta , n o t i f i c a t i o n of i n t e n t t o r e l o c a t e de novo a c t i v i t i e s (consumer and commercial f i n a n c e , and t h e s a l e of c r e d i t - r e l a t e d i n s u r a n c e , i n c l u d i n g c r e d i t l i f e , c r e d i t a c c i d e n t and h e a l t h and p r o p e r t y and c r e d i t - r e l a t e d c a s u a l t y i n s u r a n c e r e l a t e d t o e x t e n s i o n s of c r e d i t by Dial F inance Company of North C a r o l i n a , Dial C r e d i t Company of North C a r o l i n a and F i r s t D i a l , I n c . [ such s a l e of c r e d i t -r e l a t e d i n s u r a n c e b e i n g a p e r m i s s i b l e a c t i v i t y under Subparagraph D of T i t l e VI of t h e G a r n - S t . Germain D e p o s i t o r y I n s t i t u t i o n s Act of 1982]) from Cen te r P laza B u i l d i n g , S u i t e GF, 411 F a y e t t e v i 1 l e S t r e e t , R a l e i g h , North C a r o l i n a , t o 2920 Highwoods B o u l e v a r d , S u i t e 121, R a l e i g h , Nor th C a r o l i n a , which o f f i c e , upon r e l o c a t i o n , w i l l s e r v e R a l e i g h , North C a r o l i n a , t h r o u g h i t s s u b s i d i a r i e s , Dial F inance Company of North C a r o l i n a , Di al Credi t Company of North C a r o l i n a and F i r s t D i a l , I n c . ( 3 / 2 8 / 8 3 ) 3/

37 4 ( c ) ( 8 ) n o t i f i c a t i o n p r o c e s s e d by Rese rve Bank on beha l f of t h e Board of Governors under d e l e g a t e d a u t h o r i t y .


H.2 , 1983 No. 13 13


Kansas C i ty Omaha Nat iona l C o r p o r a t i o n , Omaha, Nebraska , n o t i f i -c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s (mortgage l e n d i n g a c t i v i t i e s ; i n c l u d i n g t h e e x t e n s i o n of r e s i d e n t i a l mor tgage l o a n s f o r s a l e t o permanent i n v e s t o r s , t h e e x t e n s i o n of c o n s t r u c t i o n loans and t h e pe r fo rmance of l o c a l c o l l e c t i o n and i n s p e c t i o n a c t i v i t i e s r e l a t e d t h e r e t o ) in Colorado S p r i n g s , C o l o r a d o , s e r v i n g t h e S t a t e of C o l o r a d o , t h r o u g h i t s s u b s i d i a r y , Real b a n c , I n c . ( 3 / 2 8 / 8 3 ) 3/


BankAmerica C o r p o r a t i o n , San F r a n c i s c o , C a l i f o r n i a , n o t i f i c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s (making o r a c q u i r i n g f o r i t s own accoun t l o a n s and o t h e r e x t e n s i o n s of c r e d i t such as would be made o r a c q u i r e d by a f i n a n c e company; s e r v i c i n g l oans and o t h e r e x t e n s i o n s of c r e d i t ; and o f f e r i n g c r e d i t -r e l a t e d l i f e i n s u r a n c e and c r e d i t - r e l a t e d a c c i d e n t and h e a l t h i n s u r a n c e ; c r e d i t - r e l a t e d p r o p e r t y i n s u r a n c e w i l l no t be o f f e r e d ; such a c t i v i t i e s w i l l i n c l u d e , but not be l i m i t e d t o , making consumer i n s t a l I m e n t l o a n s , p u r c h a s i n g i n s t a l l m e n t s a l e s f i n a n c e c o n t r a c t s , making l o a n s and o t h e r e x t e n s i o n s of c r e d i t t o b u s i n e s s e s , making l o a n s and o t h e r e x t e n s i o n s of c r e d i t s e c u r e d by r e a l and p e r s o n a l p r o p e r t y , and o f f e r i n g c r e d i t -r e l a t e d l i f e and c r e d i t - r e l a t e d a c c i d e n t and h e a l t h i n s u r a n c e d i r e c t l y r e l a t e d t o e x t e n s i o n s of c r e d i t by FinanceAmerica C o r p o r a t i o n ; c r e d i t - r e l a t e d l i f e and c r e d i t - r e l a t e d a c c i d e n t and h e a l t h i n s u r a n c e may be r e i n s u r e d by BA I n s u r a n c e Company, I n c . , an a f f i l i a t e of F inanceAmer ica C o r p o r a t i o n ) a t F i r s t F l o o r , Time Square M a l l , 42nd and Broadway, Mount Vernon, I l l i n o i s , s e r v i n g t h e e n t i r e s t a t e of I l l i n o i s , t h r o u g h i t s i n d i r e c t s u b s i d i a r y , FinanceAmerica C o r p o r a t i o n (a Delaware c o r p o r a t i o n ) ( 4 / 2 / 8 3 ) 3/

San Franci sco

C e n t r a l P a c i f i c C o r p o r a t i o n , B a k e r s f i e l d , C a l i f o r n i a , n o t i f i c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s (making , a c q u i r i n g , s e l l i n g , p a c k a g i n g , and s e r v i c i n g r e s i d e n t i a l and commercial mortgage l o a n s and s e r v i c e s i n c i d e n t a l t h e r e t o ) i n C u p e r t i n o , C a l i f o r n i a , t h r o u g h i t s s u b s i d i a r y , B a n k e r s ' Funding Corp. ( 4 / 2 / 8 3 ) 3/


R a i n i e r B a n c o r p o r a t i o n , S e a t t l e , Washing ton , n o t i f i -c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s ( g e n e r a l mortgage banking i n c l u d i n g , but no t l i m i t e d t o , making o r a c q u i r i n g , f o r i t s own accoun t

3/ 4 ( c ) ( 8 ) n o t i f i c a t i o n p r o c e s s e d by Rese rve Bank on beha l f of t h e Board of Governors under d e l e g a t e d a u t h o r i t y .



o r f o r t h e a c c o u n t of o t h e r s , l o a n s and o t h e r ex -t e n s i o n s of c r e d i t s e c u r e d by l i e n s on r e s i d e n t i a l and n o n - r e s i d e n t i a l r ea l e s t a t e ; s e r v i c i n g loans and o t h e r e x t e n s i o n s of c r e d i t f o r any p e r s o n ; s e l l i n g mor tgage l o a n s in t h e secondary marke t and o f f e r i n g mor tgage te rm l i f e i n s u r a n c e , a c c i d e n t , h e a l t h and d i s a b i l i t y i n s u r a n c e d i r e c t l y r e l a t e d t o such l e n d i n g and s e r v i c i n g a c t i v i t i e s and c r e d i t r e l a t e d p r o p e r t y and c a s u a l t y i n s u r a n c e ) i n S a l i n a s , C a l i f o r n i a , s e r v i n g t h e S t a t e of C a l i f o r n i a , t h r o u g h i t s s u b s i d i a r y , R a i n i e r Mortgage Company ( 3 / 2 7 / 8 3 ) 3/

San U. S, Bancorp , P o r t l a n d , Oregon, n o t i f i c a t i o n of i n t e n t F r a n c i s c o t o engage in de novo a c t i v i t i e s (making, a c q u i r i n g ,

and s e r v i c i n g of l o a n s and o t h e r e x t e n s i o n s of c r e d i t ; e i t h e r s e c u r e d o r u n s e c u r e d , f o r i t s own accoun t o r t h e accoun t of o t h e r s i n c l u d i n g , but not l i m i t e d t o , consumer l o a n s , i n s t a l l m e n t s a l e s c o n t r a c t s and o t h e r s forms of r e c e i v a b l e s ; making i n v e s t m e n t s and a c t i n g as i n s u r a n c e agen t w i t h r ega rd t o c r e d i t l i f e and d i s a b i l i t y i n s u r a n c e , p r o p e r t y and c a s u a l t y i n s u r a n c e , s o l e l y i n c o n n e c t i o n w i t h e x t e n s i o n s of c r e d i t by Bancorp C r e d i t S e r v i c e s , I n c . ; Bancorp i s i n conformance w i t h t h e p r o v i s i o n s of S e c t i o n s 2 2 5 . 4 ( a ) ( 1 ) , 2 2 5 . 4 ( a ) ( 3 ) , and 2 2 5 . 4 ( a ) ( 9 ) ( i ) of R e g u l a t i o n Y) a t 8031 -B Greenback Lane, C i t r u s H e i g h t s , C a l i f o r n i a , t h e pr imary s e r v i c e a r e a t o be se rved by t h e proposed o f f i c e w i l l be an a r e a bounded by t h e S a c r a m e n t o / P l a c e r County Line t o t h e n o r t h , Hazel Avenue t o t h e e a s t , F a i r Oaks Boulevard and American River t o t h e s o u t h , and Highway 80 , G a r f i e l d and Manzani ta Avenues t o t h e w e s t , t h r o u g h i t s i n d i r e c t sub -s i d i a r y , Bancorp C r e d i t S e r v i c e s , I n c . ( 4 / 1 / 8 3 ) 3 /

U. S. Bancorp , P o r t l a n d , Oregon, n o t i f i c a t i o n of i n t e n t t o engage i n de novo a c t i v i t i e s (making, a c q u i r i n g , and s e r v i c i n g of l o a n s and o t h e r e x -t e n s i o n s of c r e d i t , e i t h e r secured o r u n s e c u r e d , f o r i t s own accoun t o r t h e accoun t of o t h e r s i n c l u d i n g , but not l i m i t e d t o , consumer l o a n s , i n s t a l l m e n t s a l e s c o n t r a c t s and o t h e r forms of r e c e i v a b l e s ; making i n v e s t m e n t s and a c t i n g as i n s u r a n c e agen t wi th r e g a r d t o c r e d i t l i f e and d i s a b i l i t y i n s u r a n c e , p r o p e r t y and c a s u a l t y i n s u r a n c e , s o l e l y in c o n n e c t i o n w i t h e x t e n s i o n s of c r e d i t by Bancorp C r e d i t S e r v i c e s , I n c . ; Bancorp i s in conformance with t h e p r o v i s i o n s of S e c t i o n s 2 2 5 . 4 ( a ) ( 1 ) , 2 2 5 . 4 ( a ) ( 3 ) , and

San Franci sco

3 / 4 ( c ) ( 8 ) n o t i f i c a t i o n p r o c e s s e d by Reserve Bank on beha l f of t he Board of Governors under d e l e g a t e d a u t h o r i t y .


# H.2 , 1983 No. 15 - 1 5 -


2 2 5 . 4 ( a ) ( 9 ) ( i ) of R e g u l a t i o n Y) a t 460 N. P e r s h i n g Avenue, S t o c k t o n , Cal i f o r n i a , t h e primary s e r v i c e a r e a t o be s e rved by t h e proposed o f f i c e w i l l be t h e c e n t r a l and n o r t h e r n s e c t i o n s of t h e i n c o r p o r a t e d c i t y of S t o c k t o n ; t h i s a r e a i s bounded t o t h e n o r t h by S tock ton c i t y l i m i t s , t o t h e sou th by Harding Way, t o t h e e a s t by S t o c k t o n c i t y l i m i t s and Sou the rn P a c i f i c R a i l r o a d t r a c k s , and t o t h e west by Ten Mile S lough , t h r o u g h i t s i n d i r e c t s u b s i d i a r y , Bancorp C r e d i t S e r v i c e s I n c . ( 4 / 1 / 8 3 ) 3/

San U. S. Bancorp , P o r t l a n d , Oregon, n o t i f i c a t i o n of i n t e n t F r a n c i s c o t o engage i n de novo a c t i v i t i e s (making , a c q u i r i n g ,

and s e r v i c i n g of 1oans and o t h e r e x t e n s i o n s of c r e d i t , e i t h e r s e c u r e d o r u n s e c u r e d , f o r i t s own accoun t o r t h e accoun t of o t h e r s i n c l u d i n g , bu t not l i m i t e d t o , consumer l o a n s , i n s t a l l m e n t s a l e s c o n t r a c t s and o t h e r forms of r e c e i v a b l e s , making i n v e s t m e n t s and a c t i n g as i n s u r a n c e a g e n t wi th r e g a r d t o c r e d i t l i f e and d i s a b i l i t y i n s u r a n c e , p r o p e r t y and c a s u a l t y i n s u r a n c e , s o l e l y in c o n n e c t i o n wi th e x t e n s i o n s of c r e d i t by Bancorp C r e d i t S e r v i c e s , I n c . ; Bancorp i s in con fo rmance wi th t h e p r o v i s i o n s of S e c t i o n s 2 2 5 . 4 ( a ) ( 1 ) , 2 2 5 . 4 ( a ) ( 3 ) , and 2 2 5 . 4 ( a ) ( 9 ) ( i ) of R e g u l a t i o n Y) a t 1100 Cont ra Costa B o u l e v a r d , Concord, C a l i f o r n i a , t h e pr imary s e r v i c e a r e a t o be se rved by t h e proposed o f f i c e w i l l be an a r e a bounded by Highway 4 t o t h e n o r t h , Por t Chicago B o u l e v a r d - G a l i n d o t o t h e e a s t , Monument Boulevard-Boyd Road t o t h e s o u t h , and t o t h e c r e s t of a h i l l a t t h e l i m i t of deve lopment t o t h e w e s t , t h r o u g h i t s i n d i r e c t s u b s i d i a r y , Bancorp C r e d i t S e r v i c e s , I n c . ( 4 / 1 / 8 3 ) 3/

* * * * *

To I s sue E l i g i b l e Accep tances Up to 200 P e r c e n t of P a i d - i n C a p i t a l and Su rp lu s

Approved New York Bankers T r u s t Company, New York, New York, f o r approva l

t o c r e a t e a c c e p t a n c e s up to 200 p e r c e n t of i t s paid up and un impai red c a p i t a l s t ock and s u r p l u s .

3/ 4 ( c ) ( 8 ) n o t i f i c a t i o n p r o c e s s e d by Reserve Bank on beha l f of the Board of Governors under d e l e g a t e d a u t h o r i t y .


H.2, 1983 No. 13 - 16 -


New York Ci t ibank , N . A . , New York, New York: t o a c c e p t , or be o b l i g a t e d for a p a r t i c i p a t i o n i n , commercial d r a f t s or b i l l s of exchange in an amount not exceeding at any t ime in t h e aggregate 200 percent of i t s paid-up and unimpaired c a p i t a l s tock and s u r p l u s .

New York Morgan Guaranty Trust Company of New York, New York, New York, f o r approval to c r e a t e e l i g i b l e acceptances up t o 200 percent of i t s unimpaired c a p i t a l s tock and s u r p l u s .

* * * * *

Agreemements F i l e d Pursuant to S e c t i o n 8 of t h e S e c u r i t i e s Exchange Act of 1934

Indus tr ia l Bank of Japan Trust Company has f i l e d an agreement wi th the Federal Reserve Bank of New York (which i s au thor i zed t o accept such agreements on behalf of the Board of Governors under de legated a u t h o r i t y ) undertaking to comply with a l l pro-v i s i o n s which r e l a t e to t h e use of c r e d i t t o f i n a n c e t r a n s a c t i o n s in s e c u r i t i e s .


H.2 , 1983 No. 13 - 17 -

APPLICATIONS RECEIVED

To E s t a b l i s h a Domestic Branch P u r s u a n t to S e c t i o n 9 of t h e Fede ra l Reserve Act

New York Cen t r a l T r u s t Company, R o c h e s t e r , New York. To e s t a b l i s h seven o f f s i t e e l e c t r o n i c f a c i l i t i e s i n New York s t a t e . 2/

Richmond F i r s t V i r g i n i a Bank - P l a n t e r s , B r i d g e w a t e r , V i r g i n i a . To e s t a b l i s h a branch a t Val ley M a l l , U. S. 33 E a s t , H a r r i s o n b u r g , V i r g i n i a . 2/

A t l a n t a F i r s t Independence Bank, F o r t Myers , F l o r i d a . To e s t a b l i s h a b ranch l o c a t e d a t 4084 South Po in t B o u l e v a r d , For t Myers , F l o r i d a . 2/

* * * * *

To Become a Member of t h e Federa l Reserve System P u r s u a n t t o S e c t i o n 9 of t h e Fede ra l Reserve Act

Kansas C i ty F i r s t Bank, Colorado S p r i n g s , Co lo rado .

* * * * *

A p p l i c a t i o n s and N o t i f i c a t i o n s f o r I n t e r n a t i o n a l I n v e s t m e n t s and Other Ac t ions Pu r suan t t o S e c t i o n s

25 and 2 5 ( a ) of t h e Federa l Reserve Act and S e c t i o n s 4 ( c ) ( 9 ) and 4 (c ) ( .13 ) of t h e Bank Holding Company

Act of 1956, as amended

New York Gov F i n a n c i a l Holdings L i m i t e d ; N a f t a l i F i n a n c i a l Holdings L i m i t e d ; I s r a e l F i n a n c i a l Holdings L i m i t e d ; I s r a e l Inves tment and F inance C o r p o r a t i o n L imi ted and Bankholding C o r p o r a t i o n L t d . , a l l l o c a t e d in Tel Aviv , I s r a e l : r e q u e s t s a s p e c i f i c d e t e r m i n a t i o n t h a t t h e a p p l i c a n t s may r e t a . n t h e i r i n d i r e c t h o l d i n g s in E l s c i n t L t d . , an I s r a e l c o r p o r a t i o n , and i t s U. S. o p e r a t i o n s which a r e c u r r e n t l y conduc ted t h r o u g h i t s wholly-owned U.S. s u b s i d i a r y , E l s c i n t , I n c .

7/ A p p l i c a t i o n s u b j e c t t o Community R e i n v e s t m e n t Ac t . The Community A f f a i r s O f f i c e r of t h e a p p l i c a b l e Rese rve Bank may be c o n t a c t e d a s t o t h e l e n g t h of t h e comment p e r i o d .


H.2 , 1983 No. 13 - 1 8 -

APPLICATIONS RECEIVED Cont inued

New York I r v i n g T r u s t Company, New York, New York: (1) r e q u e s t s c o n s e n t t o c o n t i n u e t o hold i t s i n v e s t m e n t in Banca del la S v i z z e r a I t a l i a n a , Lugano, S w i t z e r l a n d a f t e r Banca S v i z z e r a e s t a b l i s h e s a New York S t a t e l i c e n s e d b r a n c h , ( 2 ) I r v i n g a l s o r e q u e s t s t h a t t h e Board d e t e r m i n e t h a t once Banca S v i z z e r a ' s New York b ranch i s e s t a b l i s h e d , no f u r t h e r Board approval would be n e c e s s a r y f o r I r v i n g to c o n t i n u e t o hold i t s i n v e s t -ment in Banca S v i z z e r a shou ld Banca S v i z z e r a e s t a b l i s h a d d i t i o n a l o f f i c e s in t h e United S t a t e s .

* * * * *

To Form a Bank Holding Company Pur suan t t o S e c t i o n 3 ( a ) ( 1 ) of t h e Bank Holding Company Act of 1956

CIeve land

Richmond

A t l a n t a

A t l a n t a

A t l a n t a

Atl a n t a

Trans Kentucky Bancorp , P i k e v i l l e , Kentucky, f o r approval t o a c q u i r e 100 p e r c e n t of t h e v o t i n g s h a r e s of The C i t i z e n s Bank of P i k e v i l l e , P i k e v i l l e , Kentucky. 2/

Concord Nat iona l I n c . , Concord, North C a r o l i n a , f o r approva l t o a c q u i r e 100 p e r c e n t of t h e v o t i n g s h a r e s of The Concord Nat iona l Bank, Concord, Nor th C a r o l i n a . 2/

Ameribank B a n c s h a r e s , I n c . , Hollywood, F l o r i d a , f o r approva l t o a c q u i r e 100 p e r c e n t of t h e v o t i n g s h a r e s of American Bank of Hollywood, Hollywood, F l o r i d a . 2 /

Gold Coast B a n c s h a r e s , I n c . , Hypoluxo, F l o r i d a , f o r approva l t o a c q u i r e a t l e a s t 80 p e r c e n t of t h e v o t i n g s h a r e s of Bank of South Palm Beaches , Hypoluxo, F l o r i d a . 2/

L i b e r t y Bancorp of G e o r g i a , I n c . , C l a y t o n , G e o r g i a , f o r approva l t o a c q u i r e 100 p e r c e n t of t h e v o t i n g s h a r e s of Rabun County Bank, C l a y t o n , G e o r g i a . 2/

Upper Cumberland B a n c s h a r e s , I n c . , Byrdstown, T e n n e s s e e , f o r approva l t o a c q u i r e a t l e a s t 80 p e r c e n t of t h e v o t i n g s h a r e s of Peop les Bank and T r u s t Company of P i c k e t t County , Byrdstown, T e n n e s s e e . 2/

2J A p p l i c a t i o n s u b j e c t t o Community Re inves tmen t Act . The Community A f f a i r s O f f i c e r of t h e a p p l i c a b l e Reserve Bank may be c o n t a c t e d as t o t h e l e n g t h of t h e comment p e r i o d .


H.2 , 1983 No. 13 - 19 -

APPLICATIONS RECEIVED - Cont inued

Chicago G r e a t e r Columbia B a n c s h a r e s , I n c . , P o r t a g e , Wiscons in , f o r approva l t o a c q u i r e a t l e a s t 80 p e r c e n t of t h e v o t i n g s h a r e s of The F i r s t Nat ional Bank of P o r t a g e , P o r t a g e , W i s c o n s i n . 2/

Chicago NORTHWEST SUBURBAN BANCORP, INC. , Mount P r o s p e c t , I l l i n o i s , f o r approva l t o a c q u i r e 100 p e r c e n t of t h e v o t i n g s h a r e s ( l e s s d i r e c t o r s 1 q u a l i f y i n g s h a r e s ) of F i r s t Na t iona l Bank of Mount P r o s p e c t , Mount P r o s p e c t , I l l i n o i s ; C o u n t r y s i d e Bank, Mount P r o s p e c t , I l l i n o i s , and F i r s t Na t iona l Bank of Lake Z u r i c h , Lake Z u r i c h , I l l i n o i s . 2/

S t . L o u s CBT C o r p o r a t i o n , Paducah, Kentucky, f o r approval t o a c q u i r e 100 p e r c e n t of t h e v o t i n g s h a r e s of t h e s u c c e s s o r by merger t o C i t i z e n s Bank and T r u s t Company of Paducah, Paducah, Kentucky. 2/

M i n n e a p o l i s Fors t rom B a n c o r p o r a t i o n , I n c . , C la ra C i t y , Minneso ta , f o r approval t o a c q u i r e a t l e a s t 9 8 . 5 p e r c e n t of t h e v o t i n g s h a r e s of C i t i z e n s S t a t e Bank of C l a r a C i t y , C la ra C i t y , M i n n e s o t a . 2/

Minneapo l i s M a r t i n i u s C o r p o r a t i o n , R o g e r s , Minneso t a , f o r approval t o a c q u i r e a t l e a s t 91 p e r c e n t of t h e v o t i n g s h a r e s of S t a t e Bank of Roge r s , Roge r s , Minneso t a . 2/

Minneapo l i s Peoples B a n c s h a r e s , I n c . , Hayward, Wiscons in , for approva l t o a c q u i r e a t l e a s t 90 .97 p e r c e n t of t h e v o t i n g s h a r e s of The Peoples Nat iona l Bank of Hayward, Hayward, Wiscons in . 2]

M i n n e a p o l i s R o s e v i l l e B a n c o r p . , I n c . , R o s e v i l l e , Minneso ta , f o r approval t o a c q u i r e 100 p e r c e n t of t h e vo t ing s h a r e s of Mid America Na t iona l Bank of R o s e v i l l e , R n e v i l l e , Minneso t a . _2/

D a l l a s Ci ty Nat iona l B a n c s h a r e s , I n c . , Car ro l I t o n , Texas , f o r approval t o a c q u i r e a t l e a s t 80 p e r c e n t of t h e v o t i n g s h a r e s of C i t y Na t iona l Bank of Ca r ro l I t o n , Can ol I t o n , Texas . 2/

D a l l a s U'Arbonne B a n c s h a r e s , I n c . , F a r m e r v i l i e , L o u i s i a n a , f o r approva l t o a c q u i r e a t l e a s t 80 p e r c e n t of t h e v o t i n g s h a r e s of The D'Arbonne Bank and T r u s t Company, F a r m e r v i l l e , L o u i s i a n a . 2/

T j A p p l i c a t i o n s u b j e c t t o Community Re inves tmen t Ac t . The Community ~~ A f f a i r s O f f i c e r of t h e a p p l i c a b l e Rese rve Bank may be c o n t a c t e d

a s t o t h e l e n g t h of t h e comment p e r i o d .

I


H . 2 , 1 9 ^ No. 13 - 20 -

APPLICATIONS RECEIVED - C o n t i n u e d

To Expand a Bank Holding Company P u r s u a n t t o S e c t i o n 3 ( a ) ( 3 ) of t h e Bank Holding Company Act of 1956

C l e v e l a n d

Chicago

Chicago

Chicago

Minneapol i s

Union Nat iona l C o r p o r a t i o n , Mt. Lebanon, P e n n s y l v a n i a , f o r approva l t o a c q u i r e 100 p e r c e n t of t h e v o t i n g s h a r e s of The McDowell Na t iona l Bank of Sha ron , Sha ron , P e n n s y l v a n i a . 2/

American Nat iona l C o r p o r a t i o n , Ch icago , I l l i n o i s , f o r approva l t o a c q u i r e 100 p e r c e n t of t h e v o t i n g s h a r e s ( l e s s d i r e c t o r s ' q u a l i f y i n g s h a r e s ) of F i r s t Lake County C o r p o r a t i o n , L i b e r t y v i l l e , I l l i n o i s and i n d i r e c t l y F i r s t Na t iona l Bank of L i b e r t y v i 1 l e , L i b e r t y v i l l e , I l l i n o i s . 2/

Uni ted Cen t r a l B a n c s h a r e s , I n c . , Des Moines , Iowa, f o r approva l t o a c q u i r e a t l e a s t 80 p e r c e n t o r more of t h e v o t i n g s h a r e s of P laza S t a t e Bank, U r b a n d a l e , Iowa, 2/

WaUer E. H e l l e r I n t e r n a t i o n a l C o r p o r a t i o n , Chicago , I l l i n o i s , f o r approva l t o a c q u i r e t h rough i t s s u b -s i d i a r y American Na t iona l C o r p o r a t i o n , Chicago , I l l i n o i s , 100 p e r c e n t of t h e v o t i n g s h a r e s ( l e s s d i r e c t o r s 1 qual i f y i ng s h a r e s ) of F i r s t Nat ional Bank of L i b e r t y v i l l e , L i b e r t y v i l l e , I l l i n o i s . 2/

S t i l l w a t e r Holding Company, S t i l l w a t e r , Minneso ta , f o r approva l t o a c q u i r e a t l e a s t 98 p e r c e n t of t h e v o t i n g s h a r e s of F i r s t S t a t e Bank of Hugo, Hugo, M i n n e s o t a . 2/

* * * * *

To Expand a Bank Holding Company P u r s u a n t t o S e c t i o n 4 ( c ) ( 8 ) of t h e Bank Holding Company Act of 1956

New York B a r c l a y s Bank PLC and B a r c l a y s Bank I n t e r n a t i o n a l L i m i t e d , both of London, Eng l and , r e q u e s t p e r m i s s i o n t o r e l o c a t e an o f f i c e of t h e i r e x i s t i n g consumer f i n a n c e s u b s i d i a r i e s , B a r c l a y s A m e r i c a n / F i n a n c i a l , I n c . , B a r c l a y s A m e r i c a n / M o r t g a g e , I n c . and B a r c l a y s -A m e r i c a n / F i n a n c i a l S e r v i c e s , I n c . , engag ing in t h e f o l l o w i n g a c t i v i t i e s ( t h e o p e r a t i o n of a consumer

T / A p p l i c a t i o n s u b j e c t t o Community R e i n v e s t m e n t A c t . The Community A f f a i r s O f f i c e r of t h e a p p l i c a b l e Rese rve Bank may be c o n t a c t e d a s t o t h e l e n g t h of t h e comment p e r i o d .

i


H . 2 , 1 9 8 3 No. 13 - 2 1 -


f i n a n c e b u s i n e s s and t h e s a l e as agen t of r e l a t e d c r e d i t l i f e , c r e d i t a c c i d e n t ar^ h e a l t h and c r e d i t p r o p e r t y i n s u r a n c e , i n c l u d i n g (A) d i r ec i : i n s t a l m e n t l o a n s t o i n d i v i d u a l s and t h e p u r c h a s e of r e t a i l i n s t a l l m e n t n o t e s [ s a l e s f i n a n c e ] , such as l o a n s made t o i n d i v i d u a l s f o r p e r s o n a l , f a m i l y o r household p u r p o s e s , i n c l u d i n g l o a n s secu red by r e a l e s t a t e , and t h e p u r c h a s e on d i s c o u n t e d b a s i s of c o n t r a c t s and r e l a t e d s e c u r i t y a g r e e m e n t s a r i s i n g p r i n c i p a l l y from t h e s a l e by d e a l e r s of t i t l e d goods [ i n c l u d i n g a u t o m o b i l e s , mobi le homes, t r a v e l t r a i l e r s and c a m p e r s , and boa t and mar ine equ ipmen t ] and household goods [ i n c l u d i n g f u r n i t u r e , t e l e v i s i o n s e t s and a p p l i a n c e s ] and r e l a t e d w h o l e s a l e f i n a n c i n g c o n -s i s t i n g of f i n a n c i n g d e a l e r s ' i n v e n t o r i e s of a u t o -m o b i l e s , mobi le homes and o t h e r c h a t t e l s , and (B) a t t h e e l e c t i o n of t h e bor rowers from t h e r e s p e c t i v e consumer f i n a n c e s u b s i d i a r i e s , s a l e of c r e d i t - r e l a t e d i n s u r a n c e , i n c l u d i n g d e c r e a s i n g t e r m c r e d i t l i f e i n s u r a n c e , c r e d i t a c c i d e n t and h e a l t h i n s u r a n c e , and c r e d i t p r o p e r t y i n s u r a n c e de s igned t o p r o t e c t t h e b o r r o w e r ' s p e r s o n a l p r o p e r t y [ e . g . , household goods ] which s e r v e s as c o l l a t e r a l f o r loans from t h e sub-s i d i a r i e s ; c r e d i t l i f e and c r e d i t a c c i d e n t and h e a l t h i n s u r a n c e so s o l d may be u n d e r w r i t t e n or r e i n s u r e d by i n s u r a n c e u n d e r w r i t i n g s u b s i d i a r i e s ) from 108 S. Queen S t r e e t , K l n s t o n , Nor th C a r o l i n a t o 905 Hardee Road, K i n s t o n , North C a r o l i n a ( 3 / 2 9 / 8 3 )

New York C i t i c o r p , %'W York, New York, r e q u e s t s p e r m i s s i o n to e s t a b l i s h two die novo o f f i c e s e n g a g i n g in t h e f o l l o w i n g a c t i v i t i e s ( t h e making or a c q u i r i n g of l o a n s and o t h e r e x t e n s i o n s of c r e d i t , s ecu red o r u n s e c u r e d , f o r consumer and o t h e r p u r p o s e s ; t h e s a ' e of c r e d i t - r e l a t e d l i f e and a c c i d e n t and h e a l t h i n s u r a n c e by l i c e n s e d a g e n t s o r b r o k e r s , a s r e q u i r e d ; t h e s a l e of consumer o r i e n t e d f i n a n c i a l management c o u r s e s ; t h e s e r v i c i n g , f o r any p e r s o n , of 1 oans and o t h e r e x t e n s i o n s of c r e d i t ; t h e making , a c q u i r i n g , and s e r v i c i n g , f o r i t s own accoun t and f o r t h e accoun t of o t h e r s , of e x t e n s i o n s of c r e d i t t o i n d i v i d u a l s s e c u r e d by l i e n s on r e s i d e n t i a l o r n o n - r e s i d e n t i a l r e a l e s t a t e ; and t h e s a l e of mortgage l i f e and mortgage d i s a b i l i t y i n s u r a n c e d i r e c t l y r e l a t e d t o e x t e n s i o n s of mor tgage l o a n s ) a t 2300 Glades Road, Boca Ra ton , F l o r i d a , t h r o u g h i t s s u b s i d i a r i e s , C i t i c o r p Homeowners, I n c . and C i t i c o r p P e r s o n - t o - P e r s o n F i n a n c i a l Cen te r of F l o r i d a , I n c . ( 3 / 3 0 / 8 3 )



C i t i c o r p , New York, New York, r e q u e s t s p e r m i s s i o n to e s t a b l i s h two de novo o f f i c e s engag ing in t h e f o l l o w i n g a c t i v i t i e s ( t h e making or a c q u i r i n g of l oans and o t h e r e x t e n s i o n s of c r e d i t , s e c u r e d o r u n s e c u r e d , f o r consumer and o t h e r p u r p o s e s ; t h e s a l e of c r e d i t - r e l a t e d l i f e and a c c i d e n t and h e a l t h i n s u r a n c e by l i c e n s e d a g e n t s or b r o k e r s , a s r e q u i r e d ; t h e s a l e of consumer o r i e n t e d f i n a n c i a l management c o u r s e s ; t h e s e r v i c i n g , f o r any p e r s o n , of l o a n s and o t h e r e x t e n s i o n s of c r e d i t ; t h e making, a c q u i r i n g , and s e r v i c i n g , f o r i t s own accoun t and f o r t h e accoun t of o t h e r s , of e x t e n s i o n s of c r e d i t t o i n d i v i d u a l s s ecu red by l i e n s on r e s i d e n t i a l o r n o n - r e s i d e n t i a l r e a l e s t a t e ; and t h e s a l e of mortgage l i f e and mor tgage d i s a b i l i t y i n s u r a n c e d i r e c t l y r e l a t e d t o e x t e n s i o n s of mortgage l o a n s ) a t B u i l d i n g E i g h t , New England Execu t ive Pa rk , B u r l i n g t o n , M a s s a c h u s e t t s , t h r o u g h i t s s u b s i d i a r i e s , C i t i c o r p P e r s o n - t o - P e r s o n F i n a n c i a l C e n t e r , I n c . (Delaware) and C i t i c o r p Homeowners, I n c . ( 4 / 1 / 8 3 )

C i t i c o r p , New York, New York, r e q u e s t s p e r m i s s i o n to expand t h e a c t i v i t i e s of an e x i s t i n g o f f i c e t o i n c l u d e t h e f o l l o w i n g a c t i v i t i e s ( t h e making of l o a n s t o i n d i v i d u a l s and b u s i n e s s e s s ecu red by a l i e n on mobi le homes, modular u n i t s o r r e l a t e d manufac tu red h o u s i n g , t o g e t h e r with t h e r e a l p r o p e r t y t o which such hous ing i s o r w i l l be permanent ly a f f i x e d , such p r o p e r t y be ing used as s e c u r i t y f o r t h e l o a n s ) a t 41 P e r i m e t e r Cen t e r E a s t , NE, S u i t e 530, A t l a n t a , G e o r g i a , t h r o u g h i t s s u b s i d i a r y , C i t i c o r p Acceptance Company, I n c . (Delaware) ( 3 / 3 0 / 8 3 )

C i t i c o r p , New York, New York, r e q u e s t s p e r m i s s i o n to expand t h e a c t i v i t i e s of two e x i s t i n g o f f i c e s t o i n c l u d e t h e f o l l o w i n g a c t i v i t i e s ( t h e making or a c q u i r i n g of loans and o t h e r e x t e n s i o n s of c r e d i t , s ecu red o r un-secu red , f o r consumer and o t h e r p u r p o s e s ) a t 12400 1 -45 @ Greens Road, S u i t e 209, Houston, Texas and a t 2426 Gee Gee Road, S u i t e 202, San A n t o n i o , Texas , th rough i t s s u b s i d i a r y , C i t i c o r p Acceptance Company, I n c . (lie 1 aware) ( 3 / 3 0 / 8 3 )

Midi a n t i c Banks I n c . , E d i s o n , New J e r s e y , and F l o r i d a Coast Banks , I n c . , Pompano Beach, F l o r i d a , f o r approva l t o e s t a b l i s h a de novo T r u s t R e p r e s e n t a t i v e O f f i c e of F l o r i d a Coast M i d l a n t i c T r u s t Company, N .A . , to be l o c a t e d Po inc i ana P l a z a , Royal P o i n c i a n a Way and Coconut Row, Palm Beach F l o r i d a .


j

H.2 , 1983 No. 13 - 2 3 -


Richmond F i r s t Maryland Bancorp , S a l t if c e> Maryland, n o t i f i c a t i o n of i n t e n t t o engage i n de novo a c t i v i t i e s ( engag ing in t h e s a l e a t r e t a i l oFlnoney o r d e r s having a f a c e va lue of n o t more t h a n $1 ,000 and t h e i s s u a n c e and s a l e of t r a v e l e r s checks by a g e n t s , i n c l u d i n g t h e ho ld ing company 's bank ing s u b s i d i a r i e s , a t o f f i c e s t h r o u g h o u t t h e S t a t e of Maryland and in M i l l s b o r o , De laware ; and e n g a g i n g in da ta p r o c e s s i n g a c t i v i t i e s p u r s u a n t t o S e c t i o n 2 2 5 . 4 ( a ) ( 8 ) ( i ) on beha l f of banking s u b s i d i a r i e s in B a l t i m o r e , Maryland) th rough i t s s u b s i d i a r y . F i r s t Maryland Cheque C o r p o r a t i o n ( 3 / 2 9 / 8 3 )

Richmond Maryland Na t iona l C o r p o r a t i o n , B a l t i m o r e , Maryland> n o t i f i c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s (engag ing g e n e r a l l y in t h e b u s i n e s s of l e a s i n g pe r sona l p r o p e r t y ( i n c l u d i n g , bu t not l i m i t e d t o , t h e l e a s i n g of v a r i o u s t y p e s of equ ipmen t , m a c h i n e r y , v e h i c l e s , t r a n s p o r t a t i o n equ ipmen t , and d a t a p r o c e s s i n g equipment and i n c l u d i n g c o n d i t i o n a l s a l e s c o n t r a c t s and c h a t t e l m o r t g a g e s ) where t h e l e a s e i s t h e f u n c t i o n a l e q u i v a l e n t t o an e x t e n s i o n of c r e d i t ; o r i g i n a t i n g person&l p r o p e r t y l e a s e s as p r i n c i p a l o r a g e n t ; s e r v i c i n g p e r s o n a l p r o p e r t y l e a s e s as p r i n c i p a l o r a g e n t ; b u y i n g , s e l l i n g , or j t h e r w i s e d e a l i n g i n pe r sona l p r o p e r t y l e a s e c o n t r a c t s as p r i n c i p a l o r a g e n t ; a c t i n g as a d v i s e r in pe r sona l p r o p e r t y l e a s i n g t r a n s a c t i o n s ; engaging in t h e s a l e , as agent or b r o k e r , nf i n s u r a n c e s i m i l a r in form and i n t e n t t o c r e d i t H f e and / o r mortgage r e d e m p t i o n ' i n s u r a n c e ; engag ing g e n e r a l l y in t h e b u s i n e s s of l e a s i n g rea l p r o p e r t y where t h e l e a s e i s t h e f u n c t i o n a l e q u i v a l e n t of an e x t e n s i o n of c r e d i t ; o r i g i n a t i n g r e a l p r o p e r t y l e a s e s as p r i n c i p a l o r a g e n t ; s e r v i c i n g rea l p r o p e r t y l e a s e s f o r a f f i l i a t e d or n o n a f f i l i a t e d i n d i v i d u a l s , p a r t n e r s h i p s , c o r p o r a t i o n s o r o t h e r e n t i t i e s ; b u y i n g , s e l l i n g and o t h e r w i s e d e a l i n g in r e a l p r o p e r t y l e a s e s as p r i n c i p a l , a g e n t o r b r o k e r ; a c t i n g as a d v i s e r in r e a l p r o p e r t y l e a s i n g t r a n s a c t i o n s ; engag ing g e n e r a l l y in commercial l end ing o p e r a t i o n s i n c l u d i n g , bu t not l i m i t e d t o , s ecu red and unsecured commercial l o a n s and o t h e r e x t e n s i o n s of c r e d i t t o commercial e n t e r -p r i s e s ; and a c t i n g as a d v i s o r or b r o k e r in commercial l e n d i n g t r a n s a c t i o n s ) a t Oak Brook E x e c u t i v e P l a z a , 1301 West 22nd S t r e e t , S u i t e 813 , Oak Brook, I l l i n o i s , t h rough i t s s u b s i d i a r y , Maryland Nat ional Leasing C o r p o r a t i o n ( 3 / 2 8 / 8 3 )

I


H.2, 1983 No. 13 - 2 4 -


Richmond Southern B a n c o r p o r a t i o n , I n c . , G r e e n v i 1 l e , South C a r o l i n a , n o t i f i c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s (making e x t e n s i o n s of c r e d i t as a l i c e n s e d consumer f i n a n c e l e n d e r ; a c t i n g as a g e n t f o r c r e d i t l i f e and c r e d i t a c c i d e n t i n s u r a n c e w r i t t e n in c o n n e c t i o n wi th such e x t e n s i o n s of c r e d i t ; and a c t i n g as agen t f o r c r e d i t p r o p e r t y i n s u r a n c e w r i t t e n s o l e l y in c o n n e c t i o n with such e x t e n s i o n s of c r e d i t ) a t 1143 F i r s t Avenue, Columbus, G e o r g i a , t h r o u g h i t s s u b s i d i a r y , World Acceptance C o r p o r a t i o n ( 3 / 3 0 / 8 3 )

A t l a n t a F i r s t L a f a y e t t e Bancorp , I n c . , L a f a y e t t e , L o u i s i a n a , n o t i f i c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s ( t o engage in d a t a p r o c e s s i n g a c t i v i t i e s w i t h i n [bu t not r e s t r i c t e d t o ] t h e immedia te v i c i n i t y of L a f a y e t t e , L o u i s i a n a ; ccmmercial a c c o u n t i n g s e r v i c e s w i l l be p r o v i d e d t o i n c l u d e General Ledger , Accounts P a y a b l e , Accounts R e c e i v a b l e , P a y r o l l , I n v e n t o r y , Fixed A s s e t s and o t h e r f i n a n c i a l l y o r i e n t e d a c c o u n t i n g s y s t e m s ; s e r v i c e s w i l l be t a r g e t e d toward t h e p r o f e s s i o n a l a c c o u n t i n g market and smal l t o medium s i z e b u s i n e s s f i r m s w i t h o u t i n - h o u s e s y s t e m s ; a l l sys tems w i l l be p r o c e s s e d in an o n - l i n e r e a l t i m e da ta base e n v i r o n -ment w i th u n r e s t r i c t e d a c c e s s ; sys tems s e c u r i t y w i l l p r o v i d e f o r us: r f i l e i n t e g r i t y and wi l l be p r o t e c t e d w i t h m u l t i - l e v e l u s e r ID password s i g n - o n me thods ; a l l s o f t w a r e w i l l be vendor s u p p o r t e d and m a i n t a i n e d by MSDI s t a f f , a l l sy s t ems w i l l be o f f e r e d on a common u s e r b a s i s w i t h o u t s p e c i a l i z e d des ign and deve lopment ) i n L a f a y e t t e , L o u i s i a n a , t h r o u g h i t s s u b s i d i a r y , MSDI Company ( 3 / 2 9 / 8 3 )

A t l a n t a Total bank C o r p o r a t i o n of F l o r i d a , Mi ami, F l o r i d a , p roposes t o engage d i r e c t l y and Mil f o r d , N.V. and B a l l e r t o n C o r p o r a t i o n , N . V . , p r o p o s e to engage i n d i r e c t l y , i n t h e f o l l o w i n g a c t i v i t y ( f u r n i s h i n g genera l economic i n f o r -mat ion and a d v i c e ; g e n e r a l economic s t a t i s t i c a l f o r e -c a s t i n g s e r v i c e and i n d u s t r y s t u d i e s ) t h e s e a c t i v i t i e s would be conducted i n t h e S t a t e of F l o r i d a , Cent ra l and South America and t h e Car ibbean Region ( 3 / 2 5 / 8 3 )

Chicago Marsha l l & I l s l e y C o r p o r a t i o n , Milwaukee, Wiscons in , n o t i f i c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s (making or a c q u i r i n g s e c u r e d and unsecu red loans and o t h e r e x t e n s i o n s of c r e d i t t o or f o r b u s i n e s s , gove rn -mental and o t h e r cus tomer s [ e x c l u d i n g d i r e c t consumer l e n d i n g ] , e n t i t i e s o r p r o j e c t s ; p u r c h a s i n g o r a c q u i r i n g r e c e i v a b l e or c h a t t e l p a p e r [ i n c l u d i n g consumer r e c e i v a b l e s and p a p e r ] , i s s u i n g l e t t e r s of c r e d i t and a c c e p t i n g d r a f t s ;


H.2 , 1983 No. 12 - 25 -


s e r v i c i n g l o a n s and o the r e x t e n s i o n s of c r c J i t ; and p r o v i d i n g p o r t f o l i o i n v e s t m e n t and f i n a n c i a l adv ice t o any i n d i v i d u a l , f i r m , c o r p o r a t i o n , pa r i ^ r s h i p or o t h e r e n t i t y ) a t 770 North Watnr S t r e e t , Mnwauke^, W i s c o n s i n , t h e g e o g r a p h i c a r e a t o be se rved 1:; n a t i o n w i d e , t h r o u g h i t s s u b s i d i a r y , M&I C a p i t a l C o r p o r a t i o n ( 3 / 2 4 / 8 3 )

Chicago S t . Joseph B a n c o r p o r a t i o n , I n c . , South B c i d , I n d i a n a , n o t i f i c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s ( o r i g i n a t i n g , a c q u i r i n g , s e l l i n g and" s e r v i c i n g r e s i d e n t i a l , commercial and i n d u s t r i a l mortgage l o a n s ) a t 924 West S e v e n t e e n t h S t r e e t , B looming ton , I n d i a n a , t h e geog raph ic a r e a t o be se rved w i l l be a p p r o x i m a t e l y a bO-mile r a d i u s a round Bloomington but not i n c l u d i n g t h e I n d i a n a p o l i s M e t r o p o l i t a n a r e a , p r imary c o u n t i e s to be se rved by t h i s o f f i c e i n c l u d e Monroe, Morgan. Lawrence and J a c k s o n , t h rough i t s wholly-owned s u b s i d i a r y , S t . Jo seph Mortgage C o . , I n c . ( 3 / 2 2 / 8 3 )

M i n n e a p o l i s Nor thwest B a n c o r p o r a t i o n , M i n n e a p o l i s , Minneso ta , n o t i f i c a t i o n of i n t e n t t o engage in jde novo a c t i v i t i e s ( l e n d i n g and loan s e r v i c e s a c t i v i t i e s i n c l u d i n g making or a c q u i r i n g , f o r i t s own accoun t or f o r t h e account of o t h e r s , l o a n s , r e a l e s t a t e m o r t g a g e s , o r o t h e r e x t e n s i o n s of c r e d i t and s e r v i c i n g l o a n s , r e a l e s t a t e m o r t g a g e s , and o t h e r e x t e n s i o n s of c r e d i t f o r any p e r s o n ) a t 101 North P h i l l i p s Avenue, Sioux F a l l s , South Dakota , s e r v i n g M i n n e s o t a , W i s c o n s i n , Iowa, South Dakota , North Dakota , Montana, Neb ra ska , I l l i n o i s , . M i s s o u r i , Kansas , C o l o r a d o , Wyoming, Texas , Oklahoma, I d a h o , Washington and Oregon, t h r o u g h i t s whol ly-owned s u b s i d i a r y , Nor th -wes t A g r i c u l t u r a l C r e d i t Co. ( 3 / 2 2 / 8 3 )

M i n n e a p o l i s Nor thwest B a n c o r p o r a t i o n , M i n n e a p o l i s , M i n n e s o t a , n o t i f i c a t i o n of i n t e n t t o r e l o c a t e de novo a c t i v i t i e s ( s a l e s f i n a n c e , consumer and commercial f i n a n c e , and t h e s a l e of c r e d i t l i f e , c r e d i t a c c i d e n t and h e a l t h and p r o p e r t y and c r e d i t - r e l a t e d c a s u a l t y i n s u r a n c e r e l a t e d t o e x t e n s i o n s of c r e d i t by Dial F inance Company of Alabama [such s a l e of c r e d i t -r e l a t e d i n s u r a n c e be ing a p e r m i s s i b l e a c t i v i t y under Subparagraph 0 of T i t l e VI of t h e G a r n - S t . Germain D e p o s i t o r y I n s t i t u t i o n s Act of 1982] ) from 1204 F l o r e n c e B o u l e v a r d , F l o r e n c e , Alabama t o 202 South Pine S t r e e t , F l o r e n c e , Alabama, upon r e l o c a t i o n , s a i d o f f i c e w i l l s e r v e F l o r e n c e , Alabama, t h r o u g h i t s s u b s i d i a r y , Dial F i n a n c e Company of Alabama ( 3 / 2 9 / 8 3 )


H. 2, 1 ydb Nu. 1 3 - 26 -


M i n n e a p o l i s Northwest B a n c o r p o r a t i o n , M i n n e a p o l i s , Minneso ta , n o t i f i c a t i o n of i n t e n t t o r e l o c a t e de novo a c t i v i t i e s ( s a l e s f i n a n c e , consumer and caninercia l f i n a n c e , and t h e s a l e of c r e d i t l i f e , c r e d i t a c c i d e n t and h e a l t h and p r o p e r t y and c r e d i t - r e l a t e d c a s u a l t y i n s u r a n c e r e l a t e d t o e x t e n s i o n s of c r e d i t by Dial F inance Company of Ohio, Dial F inance Company of Ohio No. 1 , I n c . and F i r s t D i a l , I nc . [ such s a l e of c r e d i t - r e l a t e d i n s u r a n c e being a p e r m i s s i b l e a c t i v i t y under Subparagraph D of T i t l e VI of t h e G a r n - S t . Germain Depos i t o ry I n s t i t u t i o n s Act of 1982]) from 269 Eas t Market S t r e e t , Warren, Ohio, t o The Market P l a c e , 5000 Eas t Market S t r e e t , Warren , Ohio, upon r e l o c a t i o n , s a i d o f f i c e w i l l s e r v e Warren, Ohio , t h r o u g h i t s s u b s i d i a r i e s , Dial F inance Company of Ohio , Dial F inance Company of Ohio No. 1 , I n c . and F i r s t D i a l , I n c . ( 3 / 2 9 / 8 3 )

Minneapo l i s Northwest B a n c o r p o r a t i o n , M i n n e a p o l i s , Minneso t a , n o t i f i c a t i o n of i n t e n t t o r e l o c a t e de novo a c t i v i t i e s ( s a l e s f i n a n c e , consumer and commercial f i n a n c e , and t h e s a l e of c r e d i t l i f e , c r e d i t a c c i d e n t and h e a l t h and p r o p e r t y and c r e d i t - r e l a t e d c a s u a l t y i n s u r a n c e r e l a t e d t o e x t e n s i o n s of c r e d i t by Dial F inance Company of Oklahoma, I n c . [such s a l e of c r e d i t - r e l a t e d i n s u r a n c e being a p e r m i s s i b l e a c t i v i t y under Subparagraph D of t i t l e VI of t h e G a r n - S t . Germain Depos i t o ry I n s t i t u t i o n s Act of 1982] ) from 4814 North MacArthur B o u l e v a r d , Oklahoma C i t y , Oklahoma, t o 4334 NW-Expressway, S u i t e 188, Oklahoma C i t y , Oklahoma, upon r e l o c a t i o n , s a i d o f f i c e w i l l s e r v e Oklahoma C i t y , Oklahoma, t h rough i t s s u b s i d i a r y , Dial F inance Company of Oklahoma, I n c . ( 3 / 2 9 / 8 3 )

M i n n e a p o l i s M a r t i n i u s C o r p o r a t i o n , Roger s , Minneso ta , f o r approval t o engage in gene ra l i n s u r a n c e in a town with a p o p u l a t i o n of l e s s t h a n 5 , 0 0 0 .

Kansas Ci ty OMNIBANCORP, Denver , C o l o r a d o , n o t i f i c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s ( a c t i n g as a g e n t , th rough i t s s u b s i d i a r i e s , OMNIBANK L o u i s v i l l e , L o u i s v i l l e , OMNIBANK U n i v e r s i t y H i l I s , N .A . , Denver , and OMNIBANK Parker Road, N.A. , A u r o r a , a l l l o c a t e d in C o l o r a d o , f o r s a l e of c r e d i t l i f e i n s u r a n c e and c r e d i t a c c i d e n t and h e a l t h i n s u r a n c e d i r e c t l y r e l a t e d t o i t s e x t e n s i o n s of c r e d i t ) t h i s a c t i v i t y would be conduc ted in t h e s t a t e of Colorado ( 4 / 1 / 8 3 )

i


' 198? No. 13 - 27 -


Sa; F i r s t S e c u r i t y C o r p o r a t i o n , S a l t Lake C i t y , Utah, F r a n c l s c n o t i f i c a t i o n of i n t e n t t o engage in denovo^ a c t i v i t i e s

(n. u n g o r a c q u i r i n g l oans and o t h e r ex te i^s ion i d such as would be made by a r . i r t g a g c L u n g

company, i n c l u d i n g making sotr , r e s i d e n t i a l commercial mor tgage l o a n s f o r i t s own p o r t i o n ; ) and f o r s a l e to o t h e r s , and %he s e r v i c i n g of ^ucr, l oans fo o t h e r s ) a t 105 East Vermijo Avenue, S u i t e 603* ' o i - r j o S p r i n g s , C o l o r a d o , s e r v i n g El Pose , F r e n m t ,

Crowley and Linco ln C o u n t i e s , Col o r a l : , i t s s u b s i d i a r y . Utah Mortgage Loan C o r p o r a t i o n

( 3 / 2 9 / 6 3 )

F i r s t S e c u r i t y C o r p o r a t i o n , S a l t Lake C i t y , Utah, *- ranc isco n o t i f i c a t i o n of i n t e n t t o engage in de_ novo a c M v i t i c s

(making or a c q u i r i n g loans and o t h e r e x t e n s i o n s of c r e d i t such as would be made by a mortgage banking company, i n c l u d i n g making both r e s i d e n t i a l and commercial mortgage l oans f o r i t s own p o r t f o l i o and f o r s a l e t o o t h e r s , and t h e s e r v i c i n g of such loans f o r o t n e r s ) a t 5201 South 1900 West , S u i t e 201, Roy, Utah, s e r v i n g Uavis and Weber C o u n t i e s , Utah , t h r o u g h i t s s u b s i d i a r y , Utah Mortgage Loan C o r p o r a t i o n ( 3 / 2 ^ / 8 3

F i r s t S e c u r i t y C o r p o r a t i o n , S a l t Lake C i t y , Utah, F r a n c i s c o n o t i f i c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s

(making or a c q u i r i n g l o a n s and o t h e r e x t e n s i o n s of c r e d i t such as would be made by a mortgage banking company, i n c l u d i n g making both r e s i d e n t i a l and commercial mor tgage l o a n s f o r i t s own p o r t f o l i o and f o r s a l e to o t h e r s , and t h e s e r v i c i n g of such l o a n s f o r o t h e r s ) a t The Woods I I O f f i c e Park , 8500 Mo-Pac Expressway Nor th , A u s t i n , Texas , s e r v i n g T r a v i s , C a l d w e l i , B a s t r o p , Hays and Will iamson C o u n t i e s , Texas , t h r o u g h i t s s u b s i d i a r y , Utah Mortgage Loan C o r p o r a t i o n ( 3 / 2 9 / 8 3 )

San F i r s t S e c u r i t y C o r p o r a t i o n , S a l t Lake C i t y , Utah, F r a n c i s c o n o t i f i c a t i o n of i n t e n t t o engage in de novo a c t i v i t i e s

(making or a c q u i r i n g loans and o t h e r e x t e n s i o n s of c r e d i t such as would be made by a mortgage banking company, i n c l u d i n g making both r e s i d e n t i a l and commercial mor tgage l oans f o r i t s own p o r t f o l i o and f o r s a l e to o t h e r s , and t h e s e r v i c i n g of such l o a n s f o r o t h e r s ) a t 623 Lock H i l l - S a l e m a , San A n t o n i o , Texas , s e r v i n g San Antonio and a l l of Bexar County , T e x a s , t h r o u g h i t s s u b s i d i a r y , Utah Mortgage Loan C o r p o r a t i o n ( 3 / 2 9 / 8 3 )


H.2 , 1983 No. 13 - 28 "


REPORTS RECEIVED

None.

* * * * *

PETITIONS FOR RULEMAKING

None.


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