h2_19820619.pdf

ANNOUNCEMENT BY

BOARD OF GOVERNORS OF THE

FEDERAL RESERVE SYSTEM (H.2, 1982 No. 25)

Actions of the Board; Applications and Reports

Received During the Week Ending June 19, 1982 APPLICABLE

RESERVE BANK ACTIONS OF THE BOARD

Statement by Chairman Paul A. Volcker before the Joint Economic Committee to discuss the conduct of monetary pol icy.

Statement by Vice Chairman Preston Martin before the Sub-committee on Domestic Monetary Policy of the House Bank-ing Committee to discuss H.R. 6222, an amendment to the Federal Reserve Act that would exempt from reserve requirements the f i r s t $2 mi l l ion of reservable l i a b i l i t i e s at a l l depository ins t i tu t ions .

Appointment of Mr. Michael P. Dooley as Assistant Director, Division of International Finance; Mr. Dooley w i l l have responsibi l i ty over the U.S. International Transactions and International Banking Sections.

Regulation Y, le t te r regarding request that the Board amend or repeal that portion of section 225.4(a)(13) of Regula-t ion Y, permitting banking holding companies to issue travelers checks, subject to the application process set for th in section 225.4.

Temporary suspension of the Regulation Q penalty for the with-drawal of time deposits pr ior to maturity from member banks for depositors affected by severe storms and flooding in the Connecticut counties of Fa i r f i e ld , New Haven, Middlesex, New London, Hartford, Windham, Tolland and L i tch f ie ld .

New York Broad National Bancorporation, Newark, New Jersey, extension of time to August 30, 1982, within which to consummate the acquisit ion of Broad National Bank, Newark, New Jersey. _1/

T7 Application processed on behalf of the Board of Governors under delegated authority.

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

H.2, 1982 No. 25 - 2

ACTIONS OF THE BOARD-Continued

Kansas City Central Bancorporation, Inc . , Denver, Colorado, extension of time to October 2, 1982, within which to consummate the acquisi t ion of Central Bank of Highlands Ranch, N.A., Arapahoe County, Colorado. J /

Kansas City Colorado National Bankshares, Inc . , Denver, Colorado, ex-tension of time to October 15, 1982, within which to consummate the acquisit ion of Colorado National Bank, Boulder, Colorado. J_/

Atlanta Dahlonega Bancorp, Inc . , Dahlonega, Georgia, extension of time to September 22, 1982, within which to become a bank holding company through the acquisi t ion of Bank of Dahlonega, Dahlonega, Georgia. ]_/

Atlanta F i rs t Alabama Bancshares, Inc . , Montgomery, Alabama, exten-sion of time unt i l October 5, 1982, within which to acquire F i rs t Farmers and Merchants National Bank of Troy, Troy, Alabama. J /

Atlanta F i rs t National Bankshares, Inc . , Houma, Louisiana, extension of time to September 3, 1982, within which to become a bank holding company through the acquisit ion of F i rs t National Bank of Houma, Houma, Louisiana. J_/

St. Louis FNB Bancorp, Inc. , Glasgow, Kentucky, extension of time to September 9, 1982, within which to become a bank holding company through the acquisi t ion of the New Farmers National Bank of Glasgow, Glasgow, Kentucky. _1/

Chicago Ireton Bancorp, I reton, Iowa, extension of time to July 12, 1982, within which to become a bank holding company through the acquisi t ion of 80 percent or more of the voting shares of Security Savings Bank, I reton, Iowa. J /

Boston Old Stone Corporation, Providence, Rhode Island, extension of time to July 25, 1982, within which to acquire the assets and assume the l i a b i l i t i e s of Pacific-Southern Mortgage Trust, San Diego, Cal i forn ia. 1/

San Security Pacif ic Corporation, Los Angeles, Cal i forn ia , exten-Francisco sion of time within which to acquire additional shares of

Security Pacif ic Trust Limited, Reading, England. 1/

T7 Application processed on behalf of the Board of Governors under delegated author i ty .


H.2, 1982 No. 25 - 3 -


Kansas City Southwest Bankshares, Inc. , Rio Rancho, New Mexico, ex-tension of time to September 18, 1982, within which to consummate the acquisition of Bank of the Southwest, Rio Rancho, New Mexico. JJ

Atlanta State National Corp., New Iberia, Louisiana, extension of time to October 2, 1982, within which to become a bank holding company through the acquisition of the State National Bank, New Iberia, Louisiana. JJ

Kansas City United Missouri Bancshares, Inc. , Kansas Ci ty , Missouri, extension of time to October 13, 1982, within which to consummate the acquisition of City Bancshares, Inc., Kansas City, Missouri. JJ

New York Bradford Trust Company, New York, New York, to make an additional investment in bank premises. JJ

Chicago Citizens Commercial & Savings Bank, F l i n t , Michigan, to invest in bank premises. JJ

Kansas City Jackson State Bank, Jackson, Wyoming, to invest in bank premises. JJ

Philadelphia Liberty State Bank, Mount Cartnel, Pennsylvania, to make an additional investment in bank premises. JJ

Philadelphia Orrstown Bank, Orrstown, Pennsylvania, to make an additional investment in bank premises. 2 /

Kansas City United Bank of Brighton, Brighton, Colorado, to invest in bank premises. JJ

St. Louis Bank of Edmonton, Edmonton, Kentucky, proposed merger with Bank of Summer Shade, Summer Shade, Kentucky; report to the Comptroller of the Currency on competitive factors. JJ

San BBH Merger Corp., Beverly H i l l s , Cal i fornia, proposed merger Francisco with Bank of Beverly H i l l s , Beverly H i l l s , Cal i fornia,

under t i t l e and charter of the l a t t e r ; report to the Federal Deposit Insurance Corporation on competitive factors. JJ

Atlanta Combank/Fairvilla, Orlando, Florida, proposed merger with Combank/Union Park, Florida; report to the Federal Deposit Insurance Corporation on competitive factors. V

37 Application processed on behalf of the Board of Governors under delegated authority.


H.2, 1982 No. 25 - 4 -


Atlanta Combank/Pine Castle, Flor ida, proposed merger with Combank/Winter Park, Flor ida; report to the Federal Deposit Insurance Corporation on competitive factors. V

Chicago Continental Bank of Oakbrook Terrace, Oakbrook Terrace, I l l i n o i s , for approval to merge with Bank of Oakbrook Terrace, I l l i n o i s , under the charter and t i t l e of Bank of Oakbrook Terrace; report to the Federal Deposit Insurance Corporation on competitive factors. J /

San F i rs t Bank and Trust of Idaho, Mai ad Ci ty , Idaho, pro-Francisco posed merger with New Fi rs t Bank and Trust of Idaho,

Malad Ci ty , Idaho, under the charter of the la t te r and with the t i t l e of the former; report to the Federal Deposit Insurance Corporation on competitive factors. 1/

Atlanta F i rs t National Bank of Franklin County at Decherd, Decherd, Tennessee, proposed merger with First Phantom National Bank, Decherd, Tennessee; report to the Comptroller of the Currency on competitive factors. J /

Dallas Grand Prair ie State Bank, Grand Pra i r ie , Texas, proposed merger with New Grand Prair ie State Bank, Grand Pra i r ie , Texas; report to the Federal Deposit Insurance Corpora-t ion on competitive factors. J /

Atlanta Guaranty Bank & Trust Company of Morgan Ci ty , Morgan Ci ty, Louisiana, proposed merger with New Guaranty Bank & Trust Company of Morgan Ci ty , Morgan Ci ty , Louisiana; report to the Federal Deposit Insurance Corporation on competitive factors. \J

New York Key Bank of Northern New York N.A., Watertown, New York, proposed merger with the Farmers National Bank of Malone, Malone, New York; report to the Comptroller of the Currency on competitive factors.J/

Dallas New Citizens F i rs t National Bank of Tyler, Tyler, Texas, proposed merger with Citizens Fi rs t National Bank of Tyler, Tyler, Texas; report to the Comptroller of the Currency on competitive factors. 1/

J7 Application processed on behalf of the Board of Governors under delegated authority.


H.2, 1982 No. 25

Atlanta

Atlanta

Atlanta

New York

Atlanta

San Francisco

San Francisco

- 5 -


Pan American Bank of Hialeah, N.A., Hialeah, Flor ida, pro-posed merger with North Miami and West Dixie off ices of Peoples American National Bank of North Miami, North Miami, Flor ida; report to the Comptroller of the Currency on competitive factors. V

Pan American Bank, N.A., Miami, Flor ida, proposed merger with Port of Miami Off ice of Peoples Downtown National Bank, Miami, Florida; report to the Comptroller of the Currency on competitive factors. JJ

Peoples American National Bank of North Miami, North Miami, Flor ida; proposed merger with F i rs t Avenue Branch Office of Peoples Downtown National Bank, Miami, Florida; report to the Comptroller of the Currency on competitive factors. v

St. Lawrence National Bank, Canton, New York, proposal to purchase certain assets and assume certain l i a b i l i t i e s of F i rs t National Bank of Waterloo, Waterloo, New York; report to the Comptroller of the Currency on competitive factors. V

Sun Banks of Florida, Inc . , Tampa, Flor ida, proposed merger with Brandon State Bank, Brandon, Flor ida; report to the Federal Deposit Insurance Corporation on competitive factors. V

Sunrise Bank, Citrus Heights, Cal i forn ia , proposed merger with Sunrise Bancorp Merger Co., Citrus Heights, Cali-fo rn ia , under the charter and t i t l e of Sunrise Bank; report to the Federal Deposit Insurance Corporation on competitive factors. \J

Tabco, Inc . , Phoenix, Arizona, proposed merger with Arizona Bank, Phoenix, Arizona, under the charter and t i t l e of the l a t t e r ; report to the Federal Deposit Insurance Cor-poration on competitive factors. 1/

y Application processed on behalf of the Board of Governors under delegated authority.

I


H.2, 1982 No. 25 6 -


New York

To Establish a Domestic Branch Pursuant to Section 9 of the Federal Reserve Act

Approved Chemical Bank, New York, New York. To establ ish a public

accomodation o f f i c e at CBS Publ icat ions, Fi f teenth Floor , 1515 Broadway, New York, New York. ]_/

Philadelphia Liberty State Bank, Mount Carmel, Pennsylvania. To establ ish a branch o f f i c e to be located at 31-49 West Third Street , Mount Carmel, Pennsylvania. J /

Richmond The Bank of Waverly, Waverly, V i rg in ia . To establ ish a branch on Bank Street near i t s in tersect ion with Main Street , Waverly, V i rg in ia . \J

Richmond Bank of V i rg in ia , Richmond, V i rg in ia . To establ ish a CBCT at Ghent Vi l lage Shoppes, 1355-K DeBree Avenue, Norfolk, V i rg in ia . 1/

* * * * *

Cleveland

Dallas

To Become a Member of the Federal Reserve System Pursuant to Section 9 of the Federal Reserve Act

Approved Bank One of Geauga County, Chardon, Ohio, y

Midland American Bank, Midland, Texas. 1/

* * * * *

To Merge Pursuant to Section 18(c) of the Federal Deposit Insurance Act

Approved Cleveland Bank One of Geauga County, Chardon, Ohio, to merge with

The Chardon Savings Bank Company, Chardon, Ohio. 1/

T7 Appl icat ion processed on behalf of the Board of Governors under delegated author i ty .


H.2, 1982 No. 25 - 7 -


Issued Intent Not to Disapprove Change of Control Pursuant to Change in Bank Control Act of 1978

Not Disapproved Kansas City Pawnee Bancshares, Inc. , Pawnee, Oklahoma. 1/

* * * * *

Applications and Noti f icat ions for International Invest-ments and Other Actions Pursuant to Sections 25 and 25(a) of the Federal Reserve Act and Sections 4(c)(9) and 4(c)(13) of the Bank Holding Company Act of 1956, as amended

Approved Cleveland Pittsburgh International Bank, Pittsburgh, Pennsylvania:

grants consent to purchase and hold, d i rec t ly or in-d i rec t l y , 75 percent of the voting shares of Pittsburgh International (Asia) Limited, Hong Kong.

San Security Pacif ic Corporation, Los Angeles, Cal i fornia: Francisco grants consent to make additional investments in Security

Pacif ic Overseas Finance N.V. and Security Pacific Inter-National Finance N.V., both located in Curacao, Netherlands Ant i l les and in Security Pacif ic International Finance B.V., Rotterdam, The Netherlands.

Sixty Day Not i f icat ion Period Allowed to Expire New York Chase Manhattan Overseas Banking Corporation, Newark,

Delaware: no objection to enter into a binding commit-ment to make an additional investment in i t s wholly-owned subsidiary, Chase Manhattan Bank Luxembourg, S.A., Luxembourg.

* * * * *

To Form a Bank Holding Company Pursuant to Section 3(a)(1) of the Bank Holding Company Act of 1956

Approved Cleveland Bluegrass Bancshares, Inc . , Lexington, Kentucky, for ap-

proval to acquire at least 51 percent and up to 100 per-cent of the voting shares of Bank of the Bluegrass and Trust Company, Lexington, Kentucky. J /

]_/ Application processed on behalf of the Board of Governors under delegated author i ty.


H.2, 1982 No. 25 - 8


Richmond Bethesda Bancorporation, Bethesda, Maryland, for approval to acquire 100 percent of the voting shares of Bank of Bethesda, Bethesda, Maryland. ]_/

Atlanta C B & T, Inc . , McMinnville, Tennessee, for approval to acquire 100 percent of the voting shares of City Bank and Trust Company, McMinnville, Tennessee. ]J

Atlanta First State Corporation, Waynesboro, Mississippi, for ap-proval to acquire 100 percent of the voting shares of F i rs t State Bank, Waynesboro, Mississippi. J /

Chicago Early Bankshares, Inc. , Early, Iowa, for approval to acquire at least 80 percent of the voting shares of Early Savings Bank, Early, Iowa. J /

Chicago Fi rst American Bank Group, L td . , Fort Dodge, Iowa, for approval to acquire 100 percent of the voting shares of the successor by merger to The State Bank, Fort Dodge, Iowa. ]_/

Chicago Suburban Bancorp, Inc. , Palatine, I l l i n o i s (a Delaware Corporation), for approval to acquire 80 percent of the voting shares of Suburban Bancorp, Inc. , Palatine, I l l i n o i s (an I l l i n o i s Corporation), which owns Palatine National Bank, Palatine, I l l i n o i s ; SUBPAL BANCORP, INC., Palatine, I l l i n o i s , which owns Suburban National Bank of Palatine, Palatine, I l l i n o i s ; Cary-Grove Bancorp, Inc. , Cary, I l l i n o i s , which owns Suburban Bank of Cary-Grove, Cary, I l l i n o i s ; Hoffman Bancorp, Inc . , Hoffman Estates, I l l i n o i s , which owns Suburban Bank of Hoffman-Schaumburg, Schaumburg, I l l i n o i s ; Meadows Bankcorp, Inc. , Rolling Meadows, I l l i n o i s , which owns Suburban Bank of Roll ing Meadows, Roll ing Meadows, I l l i n o i s ; ELK GROVE BANCORP, INC., Elk Grove Vi l lage, I l l i n o i s , which owns Suburban National Bank of Elk Grove Vi l lage, Elk Grove Vi l lage, I l l i n o i s ; and W00DFIELD BANCORP, INC., Schaumburg, I l l i n o i s , which owns Suburban National Bank of Woodfield, Schaumburg, I l l i n o i s . JJ

St. Louis Gateway Capital Corporation, Hernando, Mississsippi, for approval to acquire at least 99.3 percent of the voting shares of The Hernando Bank, Hernando, Mississippi. J_/

T7 Application processed on behalf of the Board of Governors under delegated author i ty.


H.2, 1982 No. 25 9 -


St. Louis Larue Bancshares, Inc . , Hodgenville, Kentucky, for ap-proval to acquire at least 80 percent of the voting shares of The Peoples State Bank, Hodgenville, Kentucky. 1/

St. Louis Pioneer Bancshares, Inc . , Cannier, Kentucky, for approval to acquire at least 95.9 percent of the voting shares of Pioneer Bank (formerly Canmer Deposit Bank), Canmer, Kentucky. ]_/

St. Louis Shively Bancshares Corporation, Shively, Kentucky, for approval to acquire at least 80 percent of the voting shares of Bank of St. Helens, Shively, Kentucky. J /

St. Louis Summersville Bancshares, Inc. , Summersville, Missouri, for approval to acquire 85 percent of the voting shares of Summersville State Bank, Summersville, Missouri. i /

Minneapolis F i rs t Lakefield BanCorporation, Inc . , Lakefield, Minnesota, for approval to acquire 88.7 percent of the voting shares of F i rs t Trust Bank of Lakefield, Lakefield, Minnesota.

Minneapolis F i rs t Mabel BanCorporation, Inc. , Mabel, Minnesota, for approval to acquire 100 percent of the voting shares of The F i rs t National Bank of Mabel, Mabel, Minnesota.

Minneapolis Gale Bank Holding Company, Inc. , Galesvi l le, Wisconsin, for approval to acquire 86 percent of the voting shares of Bank of Galesvi l le, Galesvi l le, Wisconsin. ]_/

Kansas City American Interstate Bancshares, Inc . , Woodward, Oklahoma, for approval to acquire at least 80 percent of the voting shares of American National Bank, Woodward, Oklahoma. J /

Dallas Morehouse Bancshares, Inc . , Bastrop, Louisiana, for ap-proval to acquire at least 80 percent of the voting shares of Bank of Morehouse, Bastrop, Louisiana. ]_/

Dallas Security Holding Company, Fredericksburg, Texas, for ap-proval to acquire at least 80 percent of the voting shares of Security Financial Corporation of Fredericks-burg, Fredericksburg, Texas. 1/

7 / Application processed on behalf of the Board of Governors under delegated author i ty.


H.2, 1982 No. 25

Dal las

- 10 -


USBancshares of Texas, I nc . , Denton, Texas, fo r approval to acquire at least 80 percent of the voting shares of USBank, Denton, Texas. 1/

San American Bancorp of Nevada, Las Vegas, Nevada, for approval Francisco to acquire 100 percent of the voting shares of American

Bank of Commerce, Las Vegas, Nevada. J /

San 1st Business Corporation, Los Angeles, Ca l i fo rn ia , for ap-Francisco proval to acquire 100 percent of the voting shares of

1st Business Bank, Los Angeles, Ca l i fo rn ia . J /

San F i rs t NorthWest Bancorporation, Seatt le, Washington, for Francisco approval to acquire 100 percent of the voting shares of

NorthWest Bank, Seatt le, Washington. 1/

San TriCo Bancshares, Chico, Ca l i fo rn ia , for approval to acquire Francisco 100 percent of the voting shares of the successor by mer-

ger to Tri-Counties Bank, Chico, Ca l i fo rn ia . V

* * * * *

To Expand a Bank Holding Company Pursuant to Section 3(a)(3) of the Bank Holding Company Act of 1956

Withdrawn Kansas City Fremont Bancshares, I nc . , L incoln, Nebraska, for approval

to acquire 100 percent of the Class B Nonvoting shares of Cit izens State Banco, L incoln, Nebraska. J /

Approved Cleveland Banc One Corporation, Columbus, Ohio, for approval to

acquire at least 66 2/3 percent of the voting shares of The Chardon Savings Bank Company, Chardon, Ohio. J /

Cleveland National City Corporation, Cleveland, Ohio, fo r approval to acquire 100 percent of the voting shares of Goodyear Bank, Akron, Ohio.

T7 Appl icat ion processed on behalf of the Board of Governors under delegated author i t y .


H.2, 1982 No. 25 - I I -

ACTIONS OF THE BOARP-Continued

Richmond Jefferson Bankshares, Inc. , Char lot tesv i l le , V i rg in ia , for approval to acquire 100 percent of the voting shares of the successor by merger to The F i rs t National Bank of Luray, Luray, V i rg in ia . J /

Atlanta E l l i s Banking Corporation, Bradenton, Florida, for approval to acquire 51 percent or more of the voting shares of Bank of Indian Rocks, Largo, Florida.

Kansas City F i rs t Midwest Bancorp., Inc. , St. Joseph, Missouri, for ap-proval to acquire 100 percent of the voting shares (less d i rectors ' qual i fy ing shares) of the successor by merger to Bank of Tuscumbia, Tuscumbia, Missouri. ]_/

Dallas East-Tex Bancorp, Inc . , T r i n i t y , Texas, for approval to acquire at least 50.1 percent of the voting shares of Mont Belvieu State Bank, Mont Belvieu, Texas. 1/

* * * * *

To Expand a Bank Holding Company Pursuant to Section 4(c)(8) of the Bank Holding Company Act of 1956

Withdrawn New York Barclays Bank PLC and Barclays Bank International Limited, both

of London, England, requests permission to relocate an exist ing o f f i ce engaging in the following ac t i v i t i es (wholesale f i -nancing ( f loor planning)) from 1010 S.W. Mi l i ta ry Drive, San Antonio, Texas to 5410 Walzam Road, San Antonio, Texas, through the i r subsidiary, BarclaysAmerican/Financial, Inc. (6/18/82) 3/

roved Chicago Suburban Bancorp, Inc . , Palatine, I l l i n o i s , (a Delaware

Corporation), for approval to engage in credi t related insurance and mortgage banking ac t i v i t i es through the acquisit ion of Brockway Insurance Agency, Inc . , Palatine, I l l i n o i s and Suburban Mortgage Corporation, Palatine, I l l i n o i s . 1/

T7 Application processed on behalf of the Board of Governors under delegated author i ty .

3/ 4(c)(8) no t i f i ca t ion processed by Reserve Bank on behalf of the Board of Governors under delegated author i ty.


H.2, 1982 No. 25 - 1 2 -

ACTIQNS OF THE BQARD-Continued

Minneapolis Zappco Inc. , St. Cloud, Minnesota, for approval to acquire 100 percent of the voting shares of Financoinp Inc. , St. Cloud, Minnesota, a company engaged in the ac t i v i t y of storing and processing banking, f inancial and related economic data. J /

Permitted Boston Fleet Financial Group, Inc. , Providence, Rhode Island (formerly

Industr ial National Corporation) no t i f i ca t ion of intent to engage in de novo ac t i v i t i es (the or ig inat ion, sale and servicing "of residential and commercial mortgage loans and loans secured by junior l iens on residential real estate) at 175 Andover Street, Danvers, Massachusetts and 34 Mi l l ia rd Street, Quincy, Massachusetts, serving the Commonwealth of Massachusetts, through i t s subsidiary, Mortgage Associates, Inc. (6/17/82) 3/

New York Manufacturers Hanover Corporation, New York, New York, requests permission to expand the ac t i v i t i es and service area of exist ing off ices (making or acquiring of direct loans, secured or unsecured, such as would be made by a finance company; and acting as agent or broker for the sale of credit l i f e insurance d i rect ly related to such lending ac t i v i t y ; previously approved ac t i v i t i es : arranging, making or acquiring for i t s own account or for the account of others, loans and other extensions of credit secured by a homeowner's equity interest in a home such as would be made by a consumer finance company, servicing such loans and other extensions of credit for any person, acting as an agent or broker for the sale of single and j o i n t credit l i f e insurance which is d i rect ly related to such loans and extensions of cred i t ; purchasing installment sales finance contracts, acting as agent or broker for the sale of single and jo in t credit l i f e insurance and credit accident and health insurance which is d i rect ly related to such loans and extensions of c red i t ; the service area for a l l aforementioned previously approved and proposed ac t i v i t i es would be expanded to include the entire State of Pennsylvania) at Neshaminy Interplex, Route #1 and Old Lincoln Highway, Trevose, Pennsylvania, through i t s subsidiaries, Finance One Consumer Discount Company, Inc. , and Finance One Mortgage of Pennsylvania, Inc. (6/18/82) 3/

TJ Application processed on behalf of the Board of Governors under delegated authori ty.

3/ 4(c)(8) no t i f i ca t ion processed by Reserve Bank on behalf of the Board of Governors under delegated authori ty.


H.2, 1982 No. 25 - 13 -

ACTIONS OF THE BQARD-Continued

New York Manufacturers Hanover Corporation, New York, New York, requests permission to expand the ac t i v i t i es and service area of an exist ing o f f ice (making or acquiring of direct loans, secured or unsecured, such as would be made by a finance company, and acting as agent or broker for the sale of credit l i f e insurance d i rec t ly related to such lending ac t i v i t y ; previously approved ac t i v i t i e s : purchasing installment sales finance contracts, and acting as agent or broker for the sale of single and j o in t credit l i f e insurance and credit accident and health insurance which is d i rec t ly related to such loans and extensions of c red i t ; purchasing motor vehicle sales finance contracts, and acting as agent or broker for the sale of single and jo in t credit l i f e insurance; arranging, making or acquiring for i t s own account or for the account of others, loans and other extensions of credi t secured by a homeowner's equity interest in a home such as would be made by a consumer finance company, servicing such loans and other extensions of credi t for any person, and acting as an agent or broker for the sale of single and j o i n t credi t l i f e insurance which is d i rec t ly related to such loans and extensions of c red i t ; the service area for a l l aforementioned previously approved and proposed ac t i v i t i es would be expanded to include the ent ire State of Louisiana) at 3636 Sherwood Forest Boulevard, Baton Rouge, Louisiana, through i t s subsidiary, Finance One of Louisiana, Inc. (6/18/82) 3/

New York Manufacturers Hanover Corporation, New York, New York, requests permission to expand the ac t i v i t i es and service area of an exist ing o f f i ce (making or acquiring of direct loans, secured or unsecured, such as would be made by a finance company; and acting as agent or broker for the sale of credit l i f e insurance d i rec t l y related to such lending a c t i v i t y ; previously approved a c t i v i t i e s : purchasing installment sales finance contracts, and acting as agent or broker for the sale of single credit l i f e insurance and credi t accident and health insurance which is d i rec t l y related to such loans and extensions of c red i t ; accident and health insurance which is d i rec t ly related to such finance contracts, and the sale of credi t l i f e insurance d i rec t ly related to such lending ac t i v i t y ; arranging, making or acquiring for i t s own account or for the account of others, loans and other extensions of credi t secured by a homeowner's equity interest in a home such as would be made by a consumer finance company, servicing such loans and other extensions of

~JJ 4(c)(8) no t i f i ca t ion processed by Reserve Bank on behalf of the Board of Governors under delegated author i ty.


H.2, 1982 No. 25 - 14 -


credit for any person, and acting as an agent or broker for the sale of single credit l i f e insurance which is d i rect ly related to such loans and extensions of c red i t ; the service area for a l l aforementioned previously approved and proposed ac t i v i t i es would be expanded to include the ent i re State of Alabama) at Two East Office Building, Suite 106, 400 East Boulevard, Montgomery, Alabama, through i t s subsidiary, Finance One of Alabama, Inc. (6/18/82) V

New York Societe Generale, Paris, France, requests permission to es-tabl ish a de novo o f f i ce engaging in the fol lowing ac t i v i t i es (making or acquiring, for i t s own account or for the account of others, commercial loans and other extensions of c red i t ; and leasing personal or real property or acting as agent, broker or advisor in leasing such property and servicing such leases, subject to a l l the qual i f icat ions specified in 12 C.F.R. 225.4(a) (6) and (a) and (b), where the leases serve as the functional equivalent of an extension of credit to the lessee of the property; the service area w i l l be comprised of the fol lowing States: Texas, Louisiana, New Mexico, Oklahoma, Colorado and Wyoming) at First International Plaza Building, 1100 Louisiana Street, Houston, Texas, through i t s subsidiary, Sogelease Corporation (6/18/82) 3/

Philadelphia Heritage Bancorporation, Cherry H i l l , New Jersey, not i f i ca t ion of intent to engage in de novo ac t i v i t i es (making or acquiring residential and commercial f i r s t or second mortgage loans or other extensions or commitments of credi t such as would be made by a mortgage banking company, purchasing such loans from correspondent mortgage bankers and other f inancial i ns t i t u t i ons , servicing such loans for others and acting as sales agent for credit l i f e insurance and credit accident and health insurance on mortgage loans originated or serviced by i t ) at 1309 W. 15th Street, Piano, Texas, serving Texas, through i t s subsidiary, Heritage Mortgage Finance Company (6/18/82) 3/

Richmond Dominion Bankshares Corporation, Roanoke, V i rg in ia , no t i f i ca t ion of intent to engage in de novo ac t i v i t i es (credit l i f e insurance, credit accident and health insurance and credit d i sab i l i t y insurance; mortgage redemption insurance and mortgage accident and health insurance; nonconvertible term l i f e insurance; and physical damage insurance on motor vehicles, mobile homes, motor homes, boats, t r a i l e r s and other kinds of personal property or attachments designed for use in connection

TJ 4(c)(8) no t i f i ca t ion processed by Reserve Bank on behalf of the Board of Governors under delegated authori ty.


H.2, 1982 No. 25 - 1 5 -


therewith) at o f f i ces of The F i rs t National Exchange Bank of V i rg in ia located at Spring and Spruce Streets, B luef ie ld ; Route 720 East, B luef ie ld ; and Center Street , Pocahontas, V i rg in ia ; and o f f i ces of Dominion National Bank of Northern V i rg in ia located at Route 7, Herndon Junctions, Ster l ing; 214 East Market Street , Leesburg; and Routes 7 and 287, P u r c e l I v i l l e , V i rg in ia , through i t s subsidiary, Dominion Bankshares Services, Inc. (6/19/82) 3/

Chicago The Marine Corporation, Milwaukee, Wisconsin, no t i f i ca t i on of in tent to reorganize the t rus t service o f f i ce from the Marine Trust National Bank, Janesv i l le , Wisconsin to The Marine Trust Company, N.A., a wholly-owned subsidiary of The Marine Corporation and to continue to develop and administer new or ex is t ing f iduc iary relat ionships ( t rus t accounts) of a l l types (6/17/82) 3/

Chicago The Marine Corporation, Milwaukee, Wisconsin, no t i f i ca t i on of intent to establ ish a t rus t service o f f i ce at the Marine Bank Watertown, N.A., Watertown, Wisconsin, and to develop and administer new f iduc iary relat ionships ( t rus t accounts) of a l l types, through i t s wholly-owned subsidiary, The Marine Trust Company, N.A. (6/17/82) 3/

Dallas In te rF i rs t Corporation, Dallas, Texas, no t i f i ca t i on of intent to engage in de novo a c t i v i t i e s (making or acquiring for i t s own account or~Tor the account of others, loans and other extensions of c red i t to the extent permitted by Section 225.4(a)(1) of Regulation Y) at 1201 Elm Street and 1401 Elm Street, Dallas, Texas, serving the United States, through a subsidiary, In ter -F i rs t Funding Corporation (6/16/82) 3/

San Seaf i r s t Corporation, Seatt le, Washington, no t i f i ca t i on of intent Francisco to engage in de novo a c t i v i t i e s (making or acquiring loans

and other extensions of cred i t including commercial loans secured by a borrower's inventory, accounts receivable, capi ta l equipment or other assets; servicng loans; and leasing personal property) at 400 North Olive Street , Dallas, Texas, serving the State of Texas, through i t s subsidiary, Seaf irst Commercial Corporation (6/18/82) 3/

San U.S. Bancorp, Portland, Oregon, n o t i f i c a t i o n of intent to relocate Francisco de novo a c t i v i t i e s (making, acquir ing and servicing of loans and

other extensions of c red i t e i ther secured or unsecured for i t s own account or for the account of others, including the making of consumer instalment loans, purchasing consumer instalment

3/ 4(c)(8) n o t i f i c a t i o n processed by Reserve Bank on behalf of the Board of Governors under delegated author i ty .


H.2, 1982 No. 25 • 1 6 —


and real estate sales finance contracts and evidences of debt and making consumer home equity loans secured by real estate, making industr ia l loans, and acting as insurance agent with regard to credi t l i f e and d i sab i l i t y insurance, solely in con-nection with extensions of credit by Bancorp Financial) from 12131 E. I l i f f , Unit D, Aurora, Colorado to 1776 Lincoln Building, 8th Floor, Lincoln Street, Denver, Colorado, the geographic area to be served would be the Denver SMSA, through i t s subsidiary, U.S. Bancor Financial, Inc. d/b/a Citizens Finance Company (6/17/82) 3/

3/ 4(c)(8) no t i f i ca t ion processed by Reserve Bank on behalf of the Board of Governors under delegated author i ty.


H.2, 1982 No. 25 17 -

APPLICATIONS RECEIVED

New York

Chicago

San Francisco

Chicago

Kansas City

Chi cago

To Establish a Domestic Branch Pursuant to Section 9 of the Federal Reserve Act

Chemical Bank, New York, New York. To establish a branch o f f i ce on the f i r s t f loor of the West Academic Cluster, North Courtyard, at Kingsborough Community College, on Oriental Boulevard, Manhattan Beach, Borough of Brooklyn, County of Kings, State of New York. 2J

Springf ield Marine Bank, Springf ie ld, I l l i n o i s . To estab-l ish an o f f s i t e electronic f a c i l i t y at 1201 South Dirksen Parkway, Springf ie ld, I l l i n o i s . Zj

F i rs t Interstate Bank of Cal i forn ia , Los Angeles, Cali-fornia. To establish a branch o f f i ce in the v i c in i t y of the intersection of Soto Street and Brooklyn Avenue, City of Los Angeles, Los Angeles County, Cal i forn ia. 2/

To Become a Member of the Federal Reserve System Pursuant to Section 9 of the Federal Reserve Act

Brownsburg Service Bank, Brownsburg, Indiana. 2/

The Aurora Bank, Aurora, Colorado. 2/

To Merge Pursuant to Section 18(c) of the Federal Deposit Insurance Act

Brownsburg Service Bank, Brownsburg, Indiana, to merge with Hendricks County Bank and Trust Company, Browns-burg, Indiana. 2J

2/ Application subject to Community Reinvestment Act. The Community Af fa i rs Off icer of the applicable Reserve Bank may be contacted as to the length of the comment period.


H.2, 7982 No. 25 - 1 8 -

APPLICATIONS RECEIVED-Continued

Applications and Notif ications for International Invest-ments and Other Actions Pursuant to Sections 25 and 25(a) of the Federal Reserve Act and Sections 4(c)(9) and 4(c)(13) of the Bank Holding Company Act of 1956, as amended

New York Marine Midland Bank, N.A., New York, New York: requests consent for Marine Midland Overseas Corporation, New York, New York, a wholly owned subsidiary of Bank's nonbanking Edge Act corporation, Marine Midland Inter-national Corporation, New York, New York, to enter into an agreement with the Board to become an Agreement cor-poration, upon the proposed l iquidat ion of MMIC.

Richmond NCNB Overseas Corporation, Charlotte, North Carolina: requests consent to invest in a j o in t venture in New South Wales, Australia and for the j o in t venture to invest in and own a merchant bank and a leasing company in Austral ia.

* * * * *

To Form a Bank Holding Company Pursuant to Section 3(a)(1) of the Bank Holding Company Act of 1956

New York Chemical F i rs t State Corporation, Wilmington, Delaware, for approval to acquire 100 percent of the voting shares of Chemical Bank (Delaware), Wilmington, Delaware, a proposed new bank. 2/

Atlanta American Security Bancshares, Inc., Welsh, Louisiana, for approval to acquire at least 80 percent of the voting shares of The American Bank, Welsh, Louisiana. 2/

Atlanta City Bancorp, Inc. , New Iberia, Louisiana, for approval to acquire 100 percent of the voting shares of City Bank & Trust Company, New Iberia, Louisiana. 2/

Atlanta First National Corporation of Jacksonville, Jacksonville, Alabama, for approval to acquire at least 80 percent of the voting shares of The First National Bank of Jacksonville, Jacksonville, Alabama. 2/

77 Application subject to Community Reinvestment Act. The Community Af fa i rs Off icer of the applicable Reserve Bank may be contacted as to the length of the comment period.

I


H.2, H32 No. 25 - 1 9 -


Atlanta Monroe Bancshares, Inc . , Madisonville, Tennessee, for approval to acquire at least 80 percent of the voting shares of Bank of Madisonville, Madisonville, Tennessee. 2/

Chicago CRETE BANC0RP0RATI0N, INC., Crete, I l l i n o i s , for ap-proval to acquire at least 80 percent of the voting shares of United Bank of Crete-Steger, Crete, I l l i n o i s . 1/

Chicago FIRSNABANCO, Inc. , Viroqua, Wisconsin, for approval to acquire at least 94.4 percent of the voting shares of F i rs t National Bank of Viroqua, Viroqua, Wisconsin. 2/

Chicago FIRST NATIONAL HOFFMAN BANCORP, INC., Hoffman Estates, I l l i n o i s , for approval to acquire at least 80 percent of the voting shares of Fi rst National Bank of Hoffman Estates, Hoffman Estates, I l l i n o i s . 2/

Chicago Hoosier Bancshares, Inc. , Bloomington, Indiana, for ap-proval to acquire 86 percent of the voting shares of The Bloomington National Bank, Bloomington, Indiana. 2/

Chicago MIDSTATE FINANCIAL CORP., Brownsburg, Indiana, for ap-proval to acquire 100 percent of the voting shares (less d i rectors ' qual i fy ing shares) of the successor by merger to Hendricks County Bank and Trust Company, Brownsburg, Indiana. 2/

St. Louis City Bancorp, Inc . , Murphysboro, I l l i n o i s , for approval to acquire at least 87.435 percent of the voting shares of The City National Bank of Murphysboro, Murphysboro, I l l i n o i s . 2/

Minneapolis East Central Holding Company, Cambridge, Minnesota, for ap-proval to acquire 94.5 percent of the voting shares of F i rs t State Bank of Isant i , Isant i , Minnesota. 2/

Kansas City Bridgeport Banshares, Inc. , Bridgeport, Nebraska, for ap-proval to acquire 100 percent of the voting shares (less d i rectors ' qual i fy ing shares) of The Bridgeport State Bank, Bridgeport, Nebraska. 2/



H.2, 1982 No. 25 - 2 0 -


Kansas City Chi 11icothe Bancshares, Inc. , Chil1icothe, Missouri, for approval to acquire at least 80 percent of the voting shares of Community Bank, Chi l l icothe, Missouri. 2/

Kansas City Cof feyvi l le Bancshares, Inc. , Wichita, Kansas, for ap-proval to acquire at least 80 percent of the voting shares of The First National Bank of Cof feyv i l le , Cof feyv i l le , Kansas, y

Kansas City Monte Vista Bank Corp., Monte Vista, Colorado, for ap-proval to acquire at least 94.67 percent of the voting shares of Bank of Monte Vista, Monte Vista, Colorado. 2/

Kansas City

Kansas City

Dal las

Dal las

Perry Bancshares, Inc . , Perry, Oklahoma, for approval to acquire at least 80 percent of the voting shares of Exchange Bank and Trust Company, Perry, Oklahoma. 2J

Western National Bancorporation, Inc . , Tulsa, Oklahoma, for approval to acquire at least 80 percent of the voting shares of Western National Bank of Tulsa, Tulsa, Oklahoma. 2J

Dallas Guaranty Bancshares, Inc. , Dallas, Texas, for ap-proval to acquire at least 80 percent of the voting shares of Guaranty Bank, Dallas, Texas. 2/

LaSalle Bancshares, Inc . , Jena, Louisiana, for approval to acquire at least 80 percent of the voting shares of The LaSalle State Bnak, Jena, Louisiana. 2/

Dallas Lower Rio Grande Valley Bancshares, Inc. , La Feria, Texas, for approval to acquire at least 80 percent of the voting shares of The F i rs t National Bank of La Feria, La Feria, Texas; The Fi rs t National Bank of Mercedes, Mercedes, Texas; and Valley National Bank, Harlingen, Texas, a pro-posed new bank. 2J

Dallas Red Bird Bancshares, Inc. , Dallas, Texas, for approval to acquire at least 80 percent of the voting shares of Red Bird Bank of Dallas, Dallas, Texas. 2J

| 7 Application subject to Community Reinvestment Act. The Community Af fa i rs Off icer of the applicable Reserve Bank may be contacted as to the length of the comment period.


H.2, 1930 No. 25 - 21 -


Dallas United American Bancshares, Inc . , Palestine, Texas, for ap-proval to acquire at least 98.94 percent of the voting shares of The F i rs t National Bank of Palestine, Palestine, Texas. V

San Transworld Bancorp, Sherman Oaks, Cal i forn ia, for approval Francisco to acquire 100 percent of the voting shares of Transworld

Bank, Sherman Oaks, Los Angeles, Cal i forn ia. 2/

* * * * *


New York Chemical New York Corporation, New York, New York, for approval to acquire 100 percent of the voting shares of Chemical F i rs t Sta,te Corporation, Wilmington, Delaware and ind i rec t ly Chemical Bank (Delaware), WiImington, Delaware, a proposed new bank. 2/

Cleveland The Central Bancorporation, Inc. , Cincinnati , Ohio, for approval to acquire 100 percent of the voting shares of The Union Commerce Bank, Cleveland; The Southern Ohio Bank, Cincinnati ; Port Clinton National Bank, Port Cl inton; and Fi rst National Bank of Nelsonvil le, Nelsonvi l le, Ohio. 2/

Atlanta Citizens and Southern Georgia Corporation, Atlanta, Georgia, for approval to acquire at least 51 percent of the voting shares of The Citizens and Southern Bank of Dal ton, Dal ton, Georgia. 2/

Atlanta F i rs t Atlanta Corporation, Atlanta, Georgia, for approval to acquire at least 50.1 percent of the voting shares of F i rs t South Bankcorp, Columbus, Georgia and ind i rec t ly F i rs t National Bank of Columbus, Columbus, Georgia and Farmers and Merchants Bank, Pine Mountain, Georgia. 2/

Kansas City A f f i l i a t e d Bankshares of Colorado, Inc. , Boulder, Colorado, for approval to acquire at least 80 percent of the voting shares of The L i t t l e ton National Bank, L i t t l e ton , Colorado. 21

2/ Application subject to Community Reinvestment Act. The Community Af fa i rs Off icer of the applicable Reserve Bank may be contacted as to the length of the comment period.


H.2, 1982 No. 25 - 2 2 -


Kansas City

Kansas City

Kansas City

Kansas City

Kansas City

Kansas City

Kansas City

Dal las

Dal las

C.C.B. Inc. , Central Colorado Company and Central Ban-corporation, Inc. , a l l of Denver, Colorado, for approval to acquire 100 percent of the voting shares of General Bancorporation, Inc. , Broomfield, Colorado. 2/

Guardian Banshares, Inc. , Al l iance, Nebraska, for approval to acquire at least 19.975 percent of the voting shares of Bridgeport Banshares, Inc. , Bridgeport, Nebraska. 2J

Hemingford Banshares, Inc. , Hemingford, Nebraska, for approval to acquire at least 19.975 percent of the voting shares of Bridgeport Banshares, Inc. , Bridgeport, Nebraska. 2/

Hyannis Banshares, Inc . , Hyannis, Nebraska, for approval to acquire at last 24.898 percent of the voting shares of Bridgeport Banshares, Inc. , ,Bridgeport, Nebraska. 2/

Mullen Banshares, Inc. , Mullen, Nebraska, for approval to acquire at least 24.898 percent of the voting shares of Bridgeport Bancshares, Inc. , Bridgeport, Nebraska. 2/

Thedford Bancshares, Inc . , Thedford, Nebraska, for approval to acquire at least 10.254 percent of the voting shares of Bridgeport Bancshares, Inc . , Bridgeport, Nebraska. 2j

United Banks of Colorado, Inc. , Denver, Colorado, for approval to acquire 100 percent of the voting shares of United Bank of Highlands Ranch, N.A., L i t t l e ton , Colorado, a proposed new bank. 2/

National Bancshares Corporation of Texas, San Antonio, Texas, for approval to acquire 100 percent of the voting shares of Peoples Bank, Houston, Texas and substantial ly a l l of the assets of P/B Bancshares, Inc. , Houston, Texas. 2J

Northeast United Bancorp, Inc. of Texas, Fort Worth, Texas, for approval to acquire at least 25 percent of the voting shares of Northwest Bank, Roanoke, Texas, a proposed new bank. 2/



H.2, 1982 No. 25 - 23 -


Dallas Texas Commerce Bancshares, Inc . , Houston, Texas, for ap-proval to acquire 100 percent of the voting shares of Texas Commerce Bank-West!ake Park N.A., Houston, Texas, a proposed new bank. 2/

* * * * *


Cleveland The Central Bancorporation, Inc. , Cincinnati , Ohio, for approval to acquire 100 percent of the voting shares of The Union Commerce Corporation, Cleveland, Ohio. 2J

Chicago Fi rs t American Bank Corporation, Kalamazoo, Michigan, for approval to merge with Mid Michigan Bank Corporation, Gladwin, Michigan and ind i rec t ly acquire Mid Michigan Bank, Gladwin, Michigan. 2J

Dallas In terF i rs t Corporation, Dallas, Texas, for approval to acquire 100 percent of the voting shares of Fannin Bancshares, Inc . , Houston, Texas. 2/

* * * * *

To Expand a Bank Holding Company Pursuant to Section 4(c)(8) of the Bank Holding Company Act of 1956

Boston Fi rst National Boston Corporation, Boston, Massachusetts, no t i f i ca t ion of intent to engage in de novo ac t i v i t i es (mortgage banking ac t i v i t i es and the servicing of mort-gage loans, furnishing economic or f inancial informa-t ion on real estate matters and providing por t fo l io investment advice concerning real estate matters) at 700 North Pearl Street, Dallas, Texas, serving Arizona, Arkansas, Cal i fornia, Colorado, Kansas, Louisiana, Missouri, Nevada, New Mexico, Oklahoma, Texas and Utah, through i t s subsidiary, First of Boston Mortgage Cor-poration (6/17/82)



H.2, 1982 No. 25 - 24 -


New York The Bank of New York Company, Inc. , New York, New York, requests permission to establish de novo off ices engaging in the following ac t iv i t ies (making loans secured by f i r s t and second mortgages on real estate consisting of one-to-four family residential properties to customers in Shasta and Los Angeles counties, California) at 999 Mission de Oro, Redding, Cal i fornia; 836 East Avenue "J", Suite B, Lancaster, California and 524 Second Street, Davis, Cal i fornia, through i t s sub-sid iary, Arcs Mortgage, Inc. (6/14/82)

New York Chemical New York Corporation, New York, New York, requests permission to establish a de novo of f ice engaging in the following ac t iv i t ies ( in ac t iv i t ies that may be carried on by an investment adviser, in-cluding offer ing por t fo l io investment advice to individuals, corporations, governmental ent i t ies and other inst i tu t ions on both a discretionary and non-discretionary basis) at 1300 Dove Street, Newport Beach, Cal i fornia, through i t s subsidiary, Van Deventer & Hoch (6/16/82)

New York Cit icorp, New York, New York, requests permission to es-tabl ish a de novo of f ice engaging in the following act iv i t ies"^!easing personal or real property or acting as agent, broker, or adviser in leasing such property and servicing such leases, subject to a l l of the qual i f icat ions specified in 12 C.F.R. 225.4(A)(6) (A) and (B), where the leases serve as the functional equivalent of an extension of credit to the lessee of the property) at 2735 V i l la Creek Drive, Suite 165, Two Metro Square, Dallas, Texas, serving the States of Texas and Southwestern Oklahoma, through i t s subsidiary, Cit icorp Industrial Credit, Inc. (6/17/82)

Cit icorp, New York, New York, requests permission to estab-l ish a de novo of f ice of i t s subsidiary, Citicorp Home-owners ,Tnc . and to expand the ac t iv i t ies and service area of an existing of f ice of Citicorp Person-to-Person Mortgage Corporation, at the same location, the new ac t i v i t i es in which the o f f ice or Citicorp Person-to-Person Mortgage Corporation proposes to engage de novo are (the making, acquiring and servicing, for i t s own account and for the account of others, of extensions of credit to individuals secured by liens on residential or non-residential real estate; and the sale of mortgage l i f e and mortgage d isab i l i t y insurance di rect ly related to extensions of mortgage loans; the proposed service area

New York


H.2, 1982 No. 25 - 2 5 -


for the aforementioned proposed ac t i v i t i es shall be comprised of the ent i re States of Ohio, Indiana and Kentucky; the proposed expanded service area of the Cit icorp Person-to-Person Mortgage Corporation o f f i ce shal l be the ent i re States of Ohio, Indiana and Kentucky for a l l of i t s previously approved a c t i v i t i e s , spec i f i ca l l y , the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other purposes; the extension of loans to dealers for the financing of inventory ( f loor planning and working capital purposes; the purchas-ing and servicing for i t s own account of sales f i -nance contracts; the sale of credi t related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of consumer oriented f inancial management courses; the servic ing, for any person, of loans and other exten-sions of c red i t ; and the making of loans to individuals and businesses secured by second mortgage l iens; the ac t i v i t i e s in which the proposed de novo o f f i ce of Ci t icorp Homeowners, Inc. w i l l engage are: the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other purposes; the sale of credi t related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of consumer oriented f inancial management courses; the servicing, for any person, of loans and other extensions of c red i t ; the making, acquir-ing and servicing, for i t s own account and for the ac-count of others, of extensions of credi t to individuals secured by l iens on residential or non-residential real estate; and the sale of mortgage l i f e and mortgage dis-a b i l i t y insurance d i rec t ly related to extensions of mortgage loans, the proposed service area of Cit icorp Homeowners, Inc. shall be comprised of the ent i re States of Ohio, Indiana and Kentucky for a l l the aforementioned a c t i v i t i e s ; credi t related l i f e , accident and health insurance may be wr i t ten by Family Guardian Li fe Insur-ance Company, an a f f i l i a t e of Cit icorp Person-to-Person Mortgage Corporation and Cit icorp Homeowners, Inc.) at Executive Plaza I , 144 Merchant Street, Springdale, Ohio, through i t s subsidiar ies, Cit icorp Homeowners, Inc. and Cit icorp Person-to-Person Mortgage Corporation (6/17/82)


H.2, 1932 No. 25 - 26 -


New York Ci t icorp, New York, New York, requests permission to es-tabl ish a de novo o f f i ce of i t s subsidiary, Cit icorp Homeowners, Inc. and to expand the ac t i v i t i es of an exist ing o f f i ce of Cit icorp Person-to-Person Financial Center, Inc. at the same locat ion, the new ac t i v i t i es in which the Cit icorp Person-to-Person Financial Center, Inc. o f f i ce proposes to engage de novo are (the making, acquiring and servicing, for i t s own account and for the account of others, of extensions of credit to in-dividuals secured by l iens on residential or non-residential real estate; the sale of mortgage l i f e and mortgage dis-a b i l i t y insurance d i rec t ly related to extensions of mort-gage loans; and the sale of consumer oriented f inancial management courses; the proposed service area for the aforementioned proposed ac t i v i t i es shall be comprised of the ent i re State of Louisiana; the ac t i v i t i es in which the proposed de novo o f f i ce of Cit icorp Homeowners, Inc. w i l l engage are: the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other purposes; the sale of credi t related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of con-sumer oriented f inancial management courses; the servicing, for any person, of loans and other extensions of c red i t ; the making, acquiring and servicing, for i t s own account and for the account of others, of extensions of credit to individuals secured by l iens on residential or non-residential real estate; and the sale of mortgage l i f e and mortgage dis-a b i l i t y insurance d i rec t ly related to extensions of mort-gage loans; the proposed service area of Cit icorp Home-owners, Inc. shall be comprised of the ent i re State of Louisiana for a l l the aforementioned a c t i v i t i e s ; credi t related l i f e , accident, and health insurance may be wr i t ten by Family Guardian L i fe Insurance Company, an a f f i l i a t e of Cit icorp Person-to-Person Financial Center, Inc. and Cit icorp Homeowners, Inc.) at 3636 S. Sherwood Forest Blvd., Baton Rouge, Louisiana, through i t s sub-s id ia r ies , Cit icorp Homeowners, Inc. and Cit icorp Person-to-Person Financial Center, Inc. (6/17/82)

New York Ci t icorp, New York, New York, requests permission to es-tabl ish a de novo o f f i ce of i t s subsidiary, Cit icorp Homeowners, Inc. and to expand the ac t i v i t i es of an exist ing o f f i ce of Cit icorp Person-to-Person Financial Center of Flor ida, Inc. at the same locat ion; the ac t i v i t i es in which Cit icorp Person-to-Person Financial Center of Flor ida, Inc. proposes to engage de novo are (the making, acquiring and servicing, for i t s own ac-


H.2, 1982 No. 25 - 2 7 -


count and for the account of others, of extensions of credit to individuals secured by l iens on residential or non-resi-dential real estate; and the sale of mortgage l i f e and mortgage d i sab i l i t y insurance d i rect ly related to extensions of mortgage loans; the proposed service area for the afore-mentioned ac t i v i t i es shall be comprised of the entire State of Florida; in ac t i v i t i es in which the de novo o f f i ce of Cit icorp Homeowners, Inc. proposes to engage are: the making, or acquiring of loans and other exten-sions of c red i t , secured or unsecured, for consumer and other purposes; the sale of credit related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the servicing, for any person, of loans and other extensions of c red i t ; the mak-ing, acquiring and servicing, for i t s own account and for the account of others, of extensions of credi t to in-dividuals secured by l iens on residential or non-residential real estate; the sale of mortgage l i f e and mortgage dis-a b i l i t y insurance d i rec t ly related to extensions of mort-gage loans; and the sale of consumer oriented f inancial management courses; the proposed service area for the de novo o f f i ce shall be comprised of the ent ire State of Florida for a l l the aforementioned proposed ac t i v i t i es ; credi t related l i f e , accident and health insurance may be wr i t ten by Family Guardian Li fe Insurance Company, an a f f i l i a t e of Cit icorp Person-to-Person Financial Center of Flor ida, Inc. and Cit icorp Homeowners, Inc.) at 124 E. Colonial Drive, Orlando, Florida, through i t s subsidiaries, Cit icorp Homeowners, Inc. and Cit icorp Person-to-Person Financial Center of Florida, Inc. (6/17/82)

New York Ci t icorp, New York, New York, requests permission to estab-l ish a de novo o f f i ce of i t s subsidiary, Cit icorp Home-owners, Inc. and to expand the ac t i v i t i es of an exist ing o f f i ce of Cit icorp Person-to-Person Financial Center, Inc. at the same locat ion; the new ac t i v i t i es in which the Cit icorp Person-to-Person Financial Center, Inc. o f f i ce proposes to engage de novo are (the making, acquiring and servicing, for i t s own account and for the account of others, of extensions of credit to individuals secured by l iens on residential or non-residential real estate; and the sale of mortgage l i f e and mortgage dis-a b i l i t y insurance d i rec t ly related to extensions of mortgage loans; the proposed service area for the afore-mentioned proposed ac t i v i t i es shall be comprised of the ent i re State of Oklahoma; the ac t i v i t i es in which the pro-


H.2, 1982 No. 25 - 28 -


posed de novo o f f i ce of Cit icorp Homeowners, Inc. w i l l engage are: the making or acquiring j f loans and other extensions of c red i t , secured or unsecured, for con-sumer and other purposes; the sale of credit related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of consumer oriented f inancial management courses; the servicing, for any person, of loans and other extensions of c red i t ; the making, acquiring and servicing, for i t s own account and for the account of others, of extensions of credi t to individuals secured by l iens on residential or non-residential real estate; and the sale of mortgage l i f e and mortgage d isab i l i t y insurance d i rec t ly related to extensions of mortgage loans; the proposed service area of Cit icorp Homeowners, Inc. shall be comprised of the ent ire State of Oklahoma for a l l the aforementioned a c t i v i t i e s ; credit related l i f e , accident and health insurance may be wri t ten by Family Guardian Life Insur-ance Company, an a f f i l i a t e of Cit icorp Person-to-Person Financial Center, Inc. and Cit icorp Homeowners, Inc.) at 6733 South Yale Avenue, Tulsa, Oklahoma, through i t s subsidiaries, Cit icorp Homeowners, Inc. and Cit icorp Person-to-Person Financial Center, Inc. (6/17/82)

New York Ci t icorp, New York, New York, requests permission to estab-l ish a de novo o f f i ce of i t s subsidiary, Cit icorp Home-owners,~Tnc. and to expand the ac t i v i t i es and service area of an exist ing o f f i ce of Cit icorp Person-to-Person Financial Center at the same location; the new ac t i v i t i es in which the Cit icorp Person-to-Person Financial Center, Inc. o f f i ce proposes to engage de novo are (the making, acquiring and servicing, for i t s own account and for the account of others, of extensions of credit to individuals secured by l iens on residential or non-residential real estate; and the sale of mortgage l i f e and mortgage dis-a b i l i t y insurance d i rec t ly related to extensions of mort-gage loans; the proposed service area for the aforementioned proposed ac t i v i t i es shall be comprised of the entire State of Oklahoma; the proposed expanded service area of the Cit icorp Person-to-Person Financial Center, Inc. o f f i ce shall be the ent ire State of Oklahoma for a portion of i t s previously approved a c t i v i t i e s , spec i f i ca l l y , the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other purposes; the extension of loans to dealers for the financing of inventory ( f loor planning) and working capital purposes;


H.2, 1982 No. 25 - 2 9 -


the purchasing and servicing for i t s own account of sales finance contracts; the sale of credit related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insur-ance by licensed agents or brokers, as required; the sale of consumer oriented f inancial management courses; and the servicing, for any person, of loans and other extensions of c red i t ; the ac t i v i t i es in which the pro-posed de novo o f f i ce of Cit icorp Homeowners, Inc. w i l l engage are: the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other purposes; the sale of credi t related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of consumer oriented f inancial management courses; the servicing, for any person, of loans and other extensions of c red i t ; the making, acquiring and servicing, for i t s own account and for the account of others, of extensions of credit to individuals secured by l iens on residential or non-resident ial real estate; and the sale of mortgage l i f e and mortgage d isab i l i t y insurance d i rec t ly related to extensions of mortgage loans; the proposed service area of Cit icorp Homeowners, Inc. shall be comprised of the ent i re State of Oklahoma for a l l the aforementioned a c t i v i t i e s ; credi t related l i f e , accident, and health insurance may be wri t ten by Family Guardian Li fe Insur-ance Company, an a f f i l i a t e of Cit icorp Person-to-Person Financial Center, Inc. and Cit icorp Homeowners, Inc.) at 3525 NW 56th Street, Oklahoma Ci ty , Oklahoma, through i t subsidiaries, Cit icorp Person-to-Person Financial Center, Inc. and Cit icorp Homeowners, Inc. (6/17/82)

New York Ci t icorp, New York, New York, requests permission to estab-l i sh a de novo o f f i ce of i t s subsidiary, Cit icorp Home-owners, Inc. and to expand the ac t i v i t i es and service area of an exist ing o f f i ce of i t s subsidiary, Cit icorp Person-to-Person Financial Center, Inc. at the same locat ion; the new ac t i v i t i es in which the Cit icorp Person-to-Person Financial Center, Inc. o f f ice proposes to engage de novo are (the making, acquiring and ser-v ic ing, for i t s own account and for the account of others, of extensions of credi t to individuals secured by l iens on residential or non-residential real estate; and the sale of mortgage l i f e and mortgage d isab i l i t y insurance d i rec t ly related to extensions of mortgage


H.2, 1982 No. 25 - 30 -


loans; the proposed service area for the aforementioned proposed ac t i v i t i es shall be comprised of the ent i re State of Indiana; the proposed expanded service area of the Cit icorp Person-to-Person Financial Center, Inc. o f f i ce shall be the ent ire State of Indiana for a portion of i t s previously approved a c t i v i t i e s , spec i f i ca l l y , the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other pur-poses; the sale of credit related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of consumer oriented f i -nancial management courses; and the servicing, for any person, of loans and other extensions of c red i t ; the ac t i v i t i es in which the proposed de novo o f f i ce of Cit icorp Homeowners, Inc. w i l l engage are: the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other purposes; the sale of credi t related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of consumer oriented f inancial managment courses; the servicing, for any person, of loans and other extensions of c red i t ; the making, acquir-ing and servicing, for i t s own account and for the ac-count of others, of extensions of credi t to individuals secured by l iens on residential or non-residential real estate; and the sale of mortgage l i f e and mortgage dis-a b i l i t y insurance d i rec t l y related to extensions of mort-gage loans; the proposed service area of Cit icorp Home-owners, Inc. shall be comprised of the ent i re State of Indiana for a l l the aforementioned a c t i v i t i e s ; credi t related l i f e , accident, and health insurance may be wr i t ten by Family Guardian Li fe Insurance Company, an a f f i l i a t e of Cit icorp Person-to-Person Financial Center, Inc. and Cit icorp Homeowners, Inc.) at 9000 Keystone Crossing, Indianapolis, Indiana, through i t s subsidiaries, Ci t icorp Homeowners, Inc. and Cit icorp Person-to-Person Financial Center, Inc. (6/17/82)

New York Ci t icorp, New York, Hew York, requests permission to estab-l i sh a de novo o f f i ce of i t s subsidiary, Cit icorp Home-owners,"Tnc. and to expand the ac t i v i t i es and service area of two exist ing of f ices of Cit icorp Person-to-Person Financial Center, Inc. and Cit icorp Person-to-Person Fi-nancial Center of I l l i n o i s , Inc. at the same locat ion; the new ac t i v i t i es in which the of f ices of Cit icorp Person-to-Person Financial Center, Inc. and Cit icorp


H.2, 3 982 No. 25 - 3 1 -

APPUCATIONS RECEIVED-Continued

Person-to-Person Financial Center of I l l i n o i s , Inc. propose to engage de novo are (the making, acquiring, and servic ing, f o r T t s own account and for the account of others, of extensions of credi t to individuals secured by l iens on residential or non-residential real estate; and the sale of mortgage l i f e and mort-gage d i sab i l i t y insurance d i rec t ly related to exten-sions of mortgage loans; the proposed service area for the aforementioned proposed ac t i v i t i es shall be comprised of the ent i re State of I l l i n o i s ; the proposed expanded service area of the Cit icorp Person-to-Person Financial Center, Inc. o f f i ce shall be the ent ire State of I l l i n o i s for a portion of i t s previously approved a c t i v i t i e s , spec i f i ca l l y , the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other purposes; the sale of credi t related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of consumer oriented f inancial management courses; and the servicing, for any person, of loans and other extensions of c red i t ; the proposed expanded service area of the CPTP-Ill inois o f f i ce shall be the ent i re State of I l l i n o i s for a portion of i t s previously approved a c t i v i t i e s , spec i f i ca l l y , the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other purposes; the sale of credi t related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the extensions of loans to dealers for the financing of inventory ( f loor planning) and working capital purposes; the sale of consumer oriented f inancial manage-ment courses; and the servicing, for any person, of loans and other extensions of c red i t ; the ac t i v i t i es in which the proposed de novo o f f i ce of Cit icorp Homeowners, Inc. w i l l engage are: the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other purposes; the sale of credit related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of consumer oriented f inancial management courses; the ser-v ic ing, for any person, of loans and other extensions of c red i t ; the making, acquiring and servicing, for i t s own account and for the account of others, of extensions of credi t to individuals secured by 1iens on residential or

I


H.2, H82%o. 25 - 3 2 -


non-residential real estate; and the sale of ^ort jaqe l i f e and mortgage d i s a b i l i t y insurance d i rec t l y related to extensions of mortgage loans; the proposed service area of Ci t icorp Homeowners, Inc. shal l be comprised of the ent i re State of I l l i n o i s for a l l the aforementioned a c t i v i t i e s ; cred i t related l i f e , accident and health insurance may be wr i t ten by Family Guardian L i fe Insur-ance Company, an a f f i l i a t e of Ci t icorp Person-tc-Pcrson Financial Center, Inc . , Ci t icorp Person-to-Person Fi-nancial Center of I l l i n o i s , Inc. and Ci t icorp Home-owners , Inc.) at Woodfield Plaza, 999 Plaza Drive. Schaumourg, I l l i n o i s , through i t s subsidiar ies, Ci t icorp Homeowners, Inc . , C i t icorp Person-to-Person Financial Center, Inc. and Ci t icorp Person-to-Person Financial Center of I l l i n o i s , Inc. (6/16/82)

New York C i t i co rp , New York, New York, requests permission to estab-l i sh three de novo o f f i ces of i t s subsidiary, Ci t icorp Homeowners, Inc. and to expand the a c t i v i t i e s and ser-vice area of three ex is t ing o f f ices of Ci t icorp Person to-Person Financial Center, Inc. at those same locat ions; the new a c t i v i t i e s in which the o f f i ces of Ci t icorp Person-to-Person Financial Center, Inc. propose to engage de novo are (the making, acquiring and serv ic ing, for i t s own account and for the account of others, of e x t e n s i o n s of c red i t to indiv iduals secured by l iens on r e s i d e n t ' ^ or non-resident ial real estate; and the sale of mortgage l i f e and mortgage d i s a b i l i t y insurance d i rec t l y related to extensions of mortgage loans; the proposed service area of each of the Ci t icorp Person-to-Person of f ices for the aforementioned proposed a c t i v i t i e s shall be comprised of the en t i re State of Louisiana; the proposed expended ser-vice areas of the Ci t icorp Person-to-Person of f ices shal l be the en t i re State of Louisiana for a port ion the i r previously approved a c t i v i t i e s , spec i f i ca l l y , the making or acquiring of loans and other extensions of c red i t , secured or unsecured, fo r consumer and other purposes; the extension of loans to dealers fo r the financing of inventory ( f loor planning) and working capi ta l purposes; the purchasing and servicing for i t s own account of sales finance contracts; the sale of cred i t related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of consumer oriented f inanc ia l management courses; and the serv ic ing, fo r any person, of loans and other extensions of c red i t ; the a c t i v i t i e s in which the proposed de novo of f ices of


H.2, 1982 No. 25 - 33 -


Cit icorp Homeowners, Inc. w i l l engage are: the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other purposes; the sale of credi t related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of consumer oriented f inancial management courses; the servicing, for any person, of loans and other extensions of c red i t ; the making, acquiring and servicing, for i t s own account and for the account of others, of extensions of credi t to individuals secured by l iens on residential or non-residential real estate; and the sale of mortgage l i f e and mortgage d i sab i l i t y insurance d i rec t ly related to extensions of mortgage loans; the proposed service area of the de novo off ices of Cit icorp Homeowners, Inc. shall be comprised of the ent i re State of Louisiana for a l l the aforementioned a c t i v i t i e s ; credi t related l i f e , accident, and health insurance may be wr i t ten by Family Guardian L i fe Insurance Company, an a f f i l i a t e of Cit icorp Person-to-Person Financial Center, Inc. and Cit icorp Homeowners, Inc.) at 9029 Mansfield Road, Suite 103, Shreveport, Louisiana; 3621 Veterans Memorial Boulevard, Metair ie, Louisiana; and Aurora Vi l lage, 4132 General DeGaulle Drive, New Orleans, Louisiana, through i t s subsidiaries, Cit icorp Homeowners, Inc. and Cit icorp Person-to-Person Financial Center, Inc. (6/16/82)

New York Ci t icorp, New York, New York, requests permission to estab-l ish a de novo o f f i ce of i t s subsidiary, Cit icorp Home-owners fTnc . and to expand the ac t i v i t i es of an exist ing o f f i ce of Cit icorp Person-to-Person Mortgage Corporation at the same location; the new ac t i v i t i es in which the o f f i ce of Cit icorp Person-to-Person Mortgage Corporation proposes to engage de novo are (the making, acquring and servicing, for i t s own account and for the account of others, of extensions of credit to individuals secured by liens on residential or non-residential real estate; and the sale of mortgage l i f e and mortgage d isab i l i t y insur-ance d i rec t l y related to exensions of mortgage loans; the proposed service area for the aforementioned proposed ac t i v i t i es shall be comrised of the ent i re States of Ohio and Indiana; the ac t i v i t i es in which the proposed de novo o f f i ce of Cit icorp Homeowners, Inc. w i l l engage are; the making or acquiring of loans and other exten-sions of c red i t , secured or unsecured, for consumer and other purposes; the sale of credit related l i f e and


H.2, 1982 No. 25 - 34 -


accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of consumer oriented f inancial management courses; the servicing, for any person, of loans and other extensions of c red i t ; the making, acquir-ing and servicing, for i t s own account and for the account of others, of extensions of credi t to in-dividuals secured by l iens on residential or non-residential real estate; and the sale of mortgage l i f e and mortgage d isab i l i t y insurance d i rec t ly related to extensions of mortgage loans; the pro-posed service area of Cit icorp Homeowners, Inc. shall be comprised of the ent i re States of Ohio and Indiana for a l l the aforementioned a c t i v i t i e s ; credit related l i f e , accident and health insurance may be wr i t ten by Family Guardian Li fe Insurance Company, an a f f i l i a t e of Cit icorp Person-to-Person Mortgage Corporation and Cit icorp Homeowners, Inc.) at Rock-side Square I I , Suite 103, 6133 Rockside Road, Independence, Ohio, through i t s subsidiaries, Cit icorp Homeowners, Inc. and Cit icorp Person-to-Person Mortgage Corporation (6/16/82)

New York Ci t icorp, New York, New York, requests permission to estab-l ish two de novo of f ices of i t s subsidiary, Cit icorp Home-owners, Inc. and to expand the ac t i v i t i es of two ex is t -ing of f ices of Cit icorp Person-to-Person Financial Center, Inc. at those same locations; the new ac t i v i t i es in which the of f ices of Cit icorp Person-to-Person Fi-nancial Center, Inc. propose to engage de novo are (the making, acquiring and servicing, for i t s own account and for the account of others, of extensions of credit to individuals secured by l iens on residential or non-resident ial real estate; and the sale of mortgage l i f e and mortgage d isab i l i t y insurance d i rec t ly related to extensions of mortgage loans; the proposed service area of each of the Cit icorp Person-to-Person off ices for the aforementioned proposed ac t i v i t i es shall be comprised of the ent i re State of V i rg in ia ; the ac t i v i t i es in which the proposed de novo off ices of Cit icorp Homeowners, Inc. w i l l engage are: the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other purposes; the sale of credi t related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of consumer oriented


H.2, 19% No. 25 - 35 -

APPLICAT1QNS RECEIVEP-Continued

f inancial management courses; the servicing, for any person, of loans and other extensions of c red i t ; the making, acquiring and servicing, for i t s own account and for the account of others, of extensions of credit to individuals secured by l iens on residential or non-residential real estate; and the sale of mortgage l i f e and mortgage d i sab i l i t y insurance d i rec t ly re-lated to extensions of mortgage loans; the proposed service areas of the de novo of f ices of Cit icorp Home-owners, Inc. shall be comprised of the ent ire State of Vi rg in ia for a l l the aforementioned ac t i v i t i e s ; credit related l i f e , accident and health insurance may be wr i t ten by Family Guardian Li fe Insurance Company, an a f f i l i a t e of Cit icorp Person-to-Person Financial Center, Inc. and Cit icorp Homeowners, Inc.) at 503 l i bb ie Avenue, Richmond, Virginia and 5718 E. Virginia Beach Boulevard, Norfolk, V i rg in ia, through i t s sub-s id ia r ies , Cit icorp Homeowners, Inc. and Cit icorp Person-to-Person Financial Center, Inc. (6/16/82)

New York Ci t icorp, New York, New York, requests permission to estab-l ish a de novo o f f i ce of i t s subsidiary, Cit icorp Home-owners, Inc. and to expand the ac t i v i t i es and service area of an exist ing o f f i ce of i t s subsidiary, Cit icorp Person-to-Person Financial Center, Inc. at the same locat ion; the new ac t i v i t i es in which the Cit icorp Person-to-Person Financial Center, Inc. o f f i ce proposes to engage de novo are (the making, acquiring and servicing, for i t s own account and for the account of others, of extensions of credi t to individuals secured by liens on resident ial or non-residential real estate; and the sale of mortgage l i f e and mortgage d isab i l i t y insurance d i rect ly related to extensions of mortgage loans; the proposed ser-vice area for the aforementioned proposed ac t i v i t i es shall be comprised of the ent i re States of Kansas and Missouri; the proposed expanded service area of the Cit icorp Person-to-Person Financial Center, Inc. o f f i ce shall be the entire States of Kansas and Missouri for a portion of i t s previously approved a c t i v i t i e s , spec i f i ca l l y , the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other purposes; the sale of credit related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of con-sumer oriented f inancial management courses; and the ser-v ic ing, for any person, of loans and other extensions of c red i t ; the ac t i v i t i es in which the proposed de novo o f f i ce


^ .2 , 1932 No.25 - 36 -


of Ci t icorp Homeowners, Inc. w i l l engage are: the making or acquiring of loans and other extensions of credi t * secured or unsecured, for consumer and other purposes; the sale of credit related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insur-ance by licensed agents or brokers, as required; the sale of consumer oriented f inancial management courses; the servicing, for any person, of loans and other extensions of c red i t ; the making, acquir-ing and servicing, for i t s own account and for the account of others, of extensions of credi t to in-dividuals secured by liens on residential or non-resident ial real estate; and the sale of mortgage l i f e and mortgage d i sab i l i t y insurance d i rec t ly re-lated to extensions of mortgage loans; the proposed service area of Cit icorp Homeowners, Inc. shall be comprised of the ent i re States of Kansas and Missouri for a l l the aforementioned a c t i v i t i e s ; credit re-lated l i f e , accident and health insurance may be written by Family Guardian Life Insurance Company, an a f f i l i a t e of Cit icorp Person-to-Person Financial Center, Inc. and Cit icorp Homeowners, Inc.) at 300 Pennsylvania National Building, 4370 W. 109 Street, Overland Park# Kansas, through i t s subsidiaries, Citicorp Person-to-Person Financial Center, Inc. and Cit icorp Homeowners, Inc. (6/16/82)

New York Ci t icorp, New York, New York, requests permission to es-tabl ish a de novo o f f i ce of i t s subsidiary, Cit icorp Homeowners, Inc. ("CHI") and to expand the ac t i v i t i es of two existing of f ices of i t s subsidiaries, Cit icorp Person-to-Person Financial Center, Inc. ("CPFC") and Ci t icorp Person-to-Person Mortgage Corporation ("CPMC") at the same locat ion; the proposed ac t i v i t i es in which the de novo o f f i ce of CHI wil l engage are (the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other purposes; the sale of credi t related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of consumer oriented f inancial management courses; the servicing, for any person, of loans and other extensions of c red i t ; the making, acquir-ing and servicing, for i t s own account and for the ac-count of others, of extensions of credi t to individuals secured by l iens on residential or non-residential real


H.2, 1982 No. 25 - 3 7 -

APPLICATIQNS RECEIVED-Continued

estate; and the sale of mortgage l i f e and mortgage dis-a b i l i t y insurance d i rec t ly related to extensions of mortgage loans; the proposed service area of CHI shall be comprised of the ent i re State of Ohio for a l l the aforementioned a c t i v i t i e s ; credit related l i f e , acci-dent, and health insurance may be wri t ten by Family Guardian Li fe Insurance Company, an a f f i l i a t e of CHI, CPFC and CPMC) at 2003 Morse Road, Columbus, Ohio, through i t s subsidiaries, Cit icorp Homeowners, Inc. , Cit icorp Person-to-Person Financial Center, Inc. and Ci t icorp Person-to-Person Mortgage Corporation (6/16/82)

New York Ci t icorp, New York, New York, requests permission to establish a de novo o f f i ce of i t s subsidiary, Cit icorp Person-to-Person Financial Center, Inc. ("CPFC") and to expand the ac t i v i t i es of an exist ing of f ice of Ci t icorp Homeowners, Inc. ("CHI") at the same loca-t i on ; the ac t i v i t i es to be engaged in by CPFC and CHI w i l l include (the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other purposes; the making, acquiring, and servicing for i t s own account and for the account of others, of extensions of credi t secured by l iens on resident ial or non-residential real estate; the sale of credi t related l i f e and accident and health or deceasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of consumer oriented f inancial managment courses; and the servicing, for any person, of loans and other extensions of c red i t ; the proposed service area of CPFC and CHI shall be comprised of the ent i re State of Texas for a l l the aforementioned a c t i v i t i e s ; credi t related l i f e , accident and health insurance may be wr i t ten by Family Guardian Li fe Insur-ance Company, an a f f i l i a t e of CPFC and CHI) at 6620 Harwin Drive, Houston, Texas, through i t s subsidiaries, Ci t icorp Person-to-Person Financial Center, Inc. and Ci t icorp Homeowners, Inc. (6/15/82)

New York Ci t icorp , New York, New York, requests permission to estab-l ish a de novo o f f i ce of i t s subsidiary, Cit icorp Person-to-Person Financial Center, Inc. ("CPFC") and to expand the ac t i v i t i es of an exist ing o f f i ce of i t s subsidiary, Ci t icorp Homeowners, Inc. ("CHI") at the same location; the ac t i v i t i es to be engaged in by CPFC and CHI w i l l include (the making or acquiring of loans and other ex-

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

H.2, 1982 No. 25 - 38 -

APPLICATIONS RECEIVEP-Continued

tensions of c red i t , secured or unsecured, for consumer and other purposes; the making, acquiring and servicing for i t s own account and for the account of others, of extensions of credi t secured by l iens on resident ia l or non-residential real estate; the sale of credi t re-lated l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insur-ance by licensed agents or brokers, as required; the sale of mortgage l i f e and mortgage d i s a b i l i t y insurance d i -rec t l y related to extensions of mortgage loans; the sale of consumer oriented f inancia l managmenet courses; and the serv ic ing, for any person, of loans and other extensions of c red i t ; the proposed service area of CPFC and CHI shal l be comprised of the ent i re State of Texas and for a l l the aforementioned a c t i v i t i e s ; cred i t related l i f e , accident and health insurance may be wr i t ten by Family Guardian L i fe Insurance Company, an a f f i l i a t e of CPFC and CHI) at 5360 Fredericksberg Road, Suite 100, San Antonio, Texas, through i t s subsid iar ies, Ci t icorp Person-to-Person Financial Center, Inc. and Ci t icorp Homeowners, Inc. (6/15/82)

New York C i t i corp , New York, New York, requests permission to estab-l i sh a de novo o f f i ce of I ts subsidiary, Ci t icorp Home-owners, Inc. ("CHI") and to expand the a c t i v i t i e s and service area of an ex is t ing o f f i ce of i t s subsidiary, Ci t icorp Person-to-Person Financial Center of F lor ida, Inc. ("CPFC") at the same locat ion; the proposed a c t i v i t i e s in which the de novo o f f i ce of CHI w i l l engage are (the making or acquiring of loans and other extensions of c r e d i t , secured or unsecured, for consumer and other purposes; the making, acquiring and servicing for i t s own account and for the account of others, of exten-sions of c red i t to indiv iduals secured by l iens on res ident ia l and non-residential real estate; the sale of cred i t related l i f e and accident and health or de-creasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers; the sale of mortgage l i f e and mortgage d i s a b i l i t y insurance d i r ec t l y related to extensions of mortgage loans; the sale of consumer oriented f inanc ia l management courses; and the serv ic ing, fo r any person, of loans and other extensions of c r e d i t ; the proposed service area of the de novo o f f i c e of CHI shal l be comprised of the ent i re State of Florida for a l l the aforementioned proposed a c t i v i t i e s ; the proposed a c t i v i t i e s in which CPFC w i l l engage are: the making, acquir ing, and serv ic ing, for


H.2, 1982 No. 25 - 39 -


i t s own account and for the account of others, of extensions of credi t to individuals secured by liens on residential or non-residential real estate; and the sale of mortgage l i f e and mortgage d isab i l i t y insurance d i rec t ly related to extensions of mortgage loans; the proposed service area for the de novo ac t i v i t i es shall be comprised of the ent ire State of Flor ida; the proposed expanded service area of CPFC shall be comprised of the ent i re State of Florida for a portion of i t s previously approved a c t i v i t i e s , spec i f i ca l l y , the sale of credi t related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; credit related l i f e , accident, and health insurance may be wr i t ten by Family Guardian Li fe Insurance Company, an a f f i l i a t e of CPFC and CHI) at Center Point Office Building, 4000 N. State Road 7, Fort Lauderdale, Flor ida, through i t s subsidiaries, Cit icorp Home-owners, Inc. and Cit icorp Person-to-Person Financial Center, Inc. (6/15/82)

New York Ci t icorp, New York, New York, requests permission to es-tabl ish a de novo o f f i ce of i t s subsidiary, Cit icorp Homeowners, Inc. ("CHI") and to expand the ac t i v i t i es of an exist ing o f f i ce of i t s subsidiary, Cit icorp Per-son-to-Person Financial Center of Flor ida, Inc. ("CPFC") at the same locat ion; the ac t i v i t i es to be engaged in by CHI and CPFC w i l l include (the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other purposes; the making, acquir ing, and servicing for i t s own account and for the account of others, of extensions of credit to in-dividuals secured by l iens on residential or non-resident ial real estate; the sale of credit related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of mortgage l i f e and mortgage d i sab i l i t y insurance d i rec t ly related to extensions of mortgage loans; the sale of consumer oriented f inancial management courses; and the servic ing, for any person, of loans and other ex-tensions of c red i t ; the proposed service area of CPFC and CHI shall be comprised of the ent i re States of Florida and Georgia for a l l the aforementioned a c t i v i t i e s ; CPFC w i l l also continue to engage in the previously approved ac t i v i t i es of the sale of credi t related prop-

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

H.2, 1982 No. 25 - 4 0 -


perty and casualty insurance protecting real and personal property subject to a security agreement with CPFC and to the extent permissible under appl i -cable State insurance laws and regulations in i t s previously approved service area of Georgia; credi t related l i f e , accident and health insurance may be wr i t ten by Family Guardian Li fe Insurance Company, an a f f i l i a t e of CPFC and CHI) at Barnett Regency Tower, 9550 Regency Square Blvd., Suite 301, Jacksonvil le, Florida, through i t s subsidiaries, Ci t icorp Person-to-Person Financial Center of Flor ida, Inc. and Cit icorp Homeowners, Inc. (6/15/82)

New York Ci t icorp, New York, New York, requests permission to es-tabl ish a de novo o f f i ce of i t s subsidiary, Cit icorp Homeowners„ Inc. ("CHI") and to expand the ac t i v i t i es and service area of an exist ing o f f i ce of i t s subsid-iary , Cit icorp Person-to-Person Financial Center of Florida ("CPFC") at the same location; the proposed ac t i v i t i es in which CHI w i l l engage are (the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other purposes; the sale of credit related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of consumer oriented f inancial management courses; the servicing, for any person, of loans and other extensions of c red i t ; the making, acquir ing, and servicing, for i t s own account and for the account of others, of extensions of credit to in-dividuals secured by l iens on residential or non-residential real estate; and the sale of mortgage l i f e and mortgage d i sab i l i t y insurance d i rec t ly related to extensions of mortgage loans; the proposed service area of the de novo o f f i ce of CHI shall be comprised of the ent i re State of Florida for a l l the aforementioned a c t i v i t i e s ; the proposed ac t i v i t i es in which CPFC w i l l engage are; the making, acquiring and servicing, for i t s own account and for the account of others, of ex-tensions of credi t to individuals secured by l iens on resident ial or non-residential real estate; and the sale of mortgage l i f e and mortgage d i sab i l i t y insurance d i rec t l y related to extensions of mortgage loans; the proposed service area for the aforementioned proposed ac t i v i t i es shall be comprised of the ent i re State of Flor ida; the proposed expanded service area of CPFC shall be comprised of the ent i re State of Florida for a portion


H.2, 1982 No. 25 - 41 -

APPLICATIONS RECEIVEP-Continued

of I t s previously approved a c t i v i t i e s , spec i f i ca l l y , the sale of credi t related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; credit related l i f e , accident and health insurance may be wri t ten by Family Guardian Li fe Insur-ance Company, an a f f i l i a t e of CPFC and CHI) at Dale Mabry Executive Center, 3725 Grace Street West, Suite 100, Tampa, Flor ida, through i t s subsidiaries, Cit icorp Person-t-Person Financial Center of Flor ida, Inc. and Ci t icorp Homeowners, Inc. (6/15/82)

New York Ci t icorp, New York, New York, requests permission to es-tab l ish a de novo o f f i ce of i t s subsidiary, Cit icorp Homeowners, Inc. ("CHI") and to expand the ac t i v i t i es and service area of an exist ing o f f i ce of i t s subsid-ia ry , Cit icorp Person-to-Person Financial Center, Inc. ("CPFC") at the same locat ion; the proposed ac t i v i t i es in which the de novo o f f i ce of CHI w i l l engage are (the making or acquiring of loans and other extensions of c red i t , secured or unsecured, for consumer and other purposes; the sale of credi t related l i f e and acci-dent and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of consumer oriented management courses; the servicing, for any person, of loans and other extensions of c red i t ; the making, acquiring and servicing, for i t s own account and for the account of others, of extensions of credi t to individuals secured by l iens on residential or non-resident ial real estate; and the sale of mortgage l i f e and mortgage d i sab i l i t y insurance d i rec t l y related to extensions of mortgage loans; the proposed service area of the de novo o f f i ce of CHI shall be comprised of the ent ire State of Georgia for a l l the aforementioned proposed a c t i v i t i e s ; the proposed ac t i v i t i es in which CPFC w i l l engage are: the making, acquir ing, and servicing, for i t s own account and for the account of others, of extensions of credi t to individuals secured by l iens on residential or non-residential real estate; and the sale of mortgage l i f e and mortgage d i sab i l i t y insurance d i rec t ly related to extensions of mortgage loans; the proposed service area for the aforementioned proposed ac t i v i t i es shall be comprised of the ent i re State of Georgia; the proposed expanded service area of CPFC shall be comprised of the


• e

H.2, 1982 No. 25 - 42 -


ent i re State of Georgia fo r a port ion of i t s pre-viously approved a c t i v i t i e s , spec i f i ca l l y , the mak-ing or acquir ing of loans and other extensions of c r e d i t , secured or unsecured, for consumer and other purposes; the sale of c red i t related l i f e and acci-dent and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of consumer oriented f inancia l management courses; and the serv ic ing, fo r any person, of loans and other extensions of c r e d i t ; c red i t related l i f e , accident and health insurance may be wr i t ten by Family Guardian L i fe Insurance Company, an a f f i l i a t e of CPFC and CHI) at Southlake I I Shopping Center, 1336 Morrow Ind. B lvd. , Morrow, Georgia, through i t s subsid iar ies, Ci t icorp Person-to-Person Financial Center, Inc. and Ci t icorp Homeowners, Inc. (6/15/82)

New York C i t i co rp , New York, New York, requests permission to ex-pand the a c t i v i t i e s of two ex is t ing o f f ices of i t s subsid iar ies, Ci t icorp Homeowners, Inc. ("CHI") and Ci t icorp Person-to-Person Financial Center, Inc. ("CPFC") at the same locat ion; the new a c t i v i t i e s in which the o f f i c e of CHI w i l l engage de novo are (the making or acquir ing of loans and other extensions of c r e d i t , secured or unsecured, fo r consumer and other purposes; the making, acquiring and servicing for i t s own account and for the account of others, of exten-sions of c red i t to indiv iduals secured by l iens on resdient ia l or non-residential real estate; the sale of c red i t related l i f e and accident and health or decreasing or level ( in the case of single payment loans) term l i f e insurance by licensed agents or brokers, as required; the sale of mortgage l i f e and mortgage d i s a b i l i t y insurance d i rec t l y related to extensions of mortgage loans; the sale of consumer oriented f inanc ia l management courses; and the ser-v ic ing , fo r any person, of loans and other exten-sions of c r e d i t , the proposed service area of CHI shall be comprised of the ent i re State of Texas for a l l the aforementir led a c t i v i t i e s ; the new a c t i v i t i e s in which the o f f i c e of CPFC w i l l engage de novo are: the making, acquir ing and serv ic ing, for i t s own account and for the account of others, of extensions of c red i t to indiv iduals secured by l iens on res ident ia l or non-residential real estate; and the sale of mort-gage l i f e and mortgage insurance d i rec t l y related to


H.2, 1982 No. 25 - 43 -


extensions of mortgage loans; the proposed service area for the aforementioned ac t i v i t i es shall be comprised of the ent i re State of Texas; credit related l i f e , accident and health insurance may be wri t ten by Family Guardian Li fe Insurance Company, an a f f i l i a t e of CPFC and CHI) at 5501 LBJ Freeway, Dallas, Texas, through i t s subsid-ia r ies , Cit icorp Person-to-Person Financial Center, Inc. and Cit icorp Homeowners, Inc. (6/15/82)

New York Manufacturers Hanover Corporation, New York, New York, requests permission to establish a de novo o f f i ce engaging in the following ac t i v i t i es (making or acquir-ing loans and other extensions of c red i t , secured or unsecured, such as would be made or acquired by a finance company under Massachusetts law; servicing such loans and other extensions of c red i t ; and acting as agent or broker for the sale of credit l i f e insur-ance d i rec t l y related to such extensions of c red i t ; such ac t i v i t i es w i l l jnclude, but not be l imi ted t o , making consumer installment loans, purchasing i n s t a l l -ment sales finance contracts, making loans and other extensions of credi t secured by real and personal prop-e r ty , including real estate equity loans, and of fer ing credi t related single l i f e insurance and decreasing or level ( in the case of single payment loans) l i f e insur-nace d i rec t l y related to extensions of credit made or acquired by Finance One Mortgage of Massachusetts, Inc. , by licensed agents or brokers, to the extent permissible under applicable State insurance laws and regulations; th is o f f i ce w i l l serve the ent ire State of Massachusetts) at 15 New England Executive Park, Burlington, Massachusetts, through i t s subsidiary, Finance One Mortgage of Massachusetts, Inc. (6/14/82)

Cleveland The Central Bancorporation, Inc. , Cincinnati , Ohio, for approval to acquire 100 percent of the voting shares of The Union Commerce Leasing Company & The Union Capital Management Company, Cleveland, Ohio.

Atlanta Citizens and Southern Georgia Corporation, Atlanta, Georgia, for approval to acquire certain assets of Lloyd of Louisiana Finance Company, Inc . , Harvey, Louisiana.

Atlanta Fi rst National Corporation of Jacksonvil le, Jacksonvil le, Flor ida, for approval to engage in credit insurance a c t i v i t i e s .


H.2, 1982 No. 25 - 4 4 -


Minneapolis East Central Holding Company, Cambridge, Minnesota, for approval to acquire 100 percent of Isanti Agency, Inc . , I san t i , Minnesota.

Kansas City Commerce Bancshares, Inc. , Kansas Ci ty, Missouri, no t i -f i ca t ion of intent to engage in de novo ac t i v i t i es (commercial, consumer and mortgage financing ac t i v i t i es by making and acquiring secured and unsecured loans and other extensions of credi t such as would be made by a commercial finance, consumer finance or mortgage company) at 720 Main Street, Kansas Ci ty , Missouri, serving pr imari ly Missouri, Kansas, Oklahoma, Iowa, I l l i n o i s and Nebraska (6/17/82)

Kansas City Morrow & Keeling, Inc . , Chanute, Kansas, no t i f i ca t ion of intent to engage in de novo ac t i v i t i es (the sale of credi t l i f e , accident and health insurance in connection with extensions of credit by The Bank of Commerce, Chanute, Kansas) these ac t i v i t i es would be conducted in the main banking f a c i l i t i e s of The Bank of Commerce, 101 West Main, Chaunte, Kansas and would serve the surrounding rural area (6/17/82)

Kansas City Royal Dominion L td . , Denver, Colorado, no t i f i ca t ion of intent to engage in de novo ac t i v i t i es ( in ac t i v i t i es l imited to provision of bookkeeping, accounting and data processing services, business record keeping, storage and retr ieval services and related f inancial and administrative services to a f f i l i a t e d banks and bank subsidiaries) at 3251 Syracuse Street, Denver, Colorado, serving subsidiary banks and a f f i l i a t e d banks located within the Denver, Colorado metropolitan area (6/14/82)

San BankAmerica Corporation, San Francisco, Cal i forn ia, not i -francisco f ica t ion of intent to engage in de novo ac t i v i t i es (mak-

ing or acquiring for i t s own account loans and other extensions of credi t such as would be made or acquired by a finance company; servicing loans and other exten-sions of c red i t ; and of fer ing credit related l i f e insur-ance, credi t related accident and health insurance and credi t related property insurance; such ac t i v i t i es w i l l include, but not be l imi ted to , making consumer i n s t a l l -ment loans, making loans and other extensions of credi t to small businesses, making loans and other extensions of credi t secured by real property and of fer ing credi t related l i f e , credi t related accident and health and


H.2, 1982 No. 25 - 45 -


and credi t related property insurance d i rec t ly re-lated to extensions of credi t made or acquired by FinanceAmerica Mortgage Services Inc.) at 2312 High Point Road, Greensboro, North Carolina, serving the ent i re State of North Carolina, through i t s subsid-ia ry , FinanceAmerica Mortgage Services, Inc. (a New Hampshire Corporation) (6/17/82)

San BankAmerica Corporation, San Francisco, Cal i forn ia, no-Francisco t i f i c a t i o n of intent to engage in de novo ac t i v i t i es

(making or acquiring for the i r own account loans and other extensions of credi t such as would be made or acquired by a finance company, servicing loans and other extensions of c red i t , and of fer ing credit re-lated l i f e insurance, credi t related accident and health insurance and credi t related property insur-ance in the State of Mississippi and Louisiana; such ac t i v i t i es w i l l include, but not be l imited t o , mak-ing consumer installment loans, purchasing i n s t a l l -ment sales contracts, making loans and other exten-sions of credi t to small businesses, making loans and other extensions of credit secured by real and per-sonal property and of fer ing credit related l i f e , credi t accident and health, and credi t related prop-erty insurance d i rec t l y related to extensions of credi t made or acquired by both FinanceAmerica Industr ial Plan Inc. and FinanceAmerica Corporation) at 502 Franklin Street, Natchez, Mississippi, serving the ent i re States of Mississippi and Louisiana, through i t s subsidiaries, FinanceAmerica Industr ial Plan Inc. and FinanceAmerica Corporation (both Mississippi Corporations) (6/16/82)

REPORTS RECEIVED

None.

* * * * *

PETITIONS FOR RULEMAKING

None.


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