Federal Reserve Bulletin 1999: Vol 85 Index

11 Pages·1999·3.5 MB·English

Index to Volume 85
GUIDE TO PAGE REFERENCES IN MONTHLY ISSUES
Issue Text ‘A”’ Pages Issue Text “A” pages
Index to Index to
tables tables
|, RR ee 1- 80 1-76 66 FOE cisicicis 459-528 1-78 66
February ..... - 81-146 1-90 76 August 529-598 1-86 76
March ...... Me: 147-216 1-78 64 September 599-654 1-92 80
April .. wands 217-286 -78 64 October ... 655-708 1-78 66
PE wimruccicatens 287-368 1-90 76 November 709-784 1-88 76
SE rinciniweees 369-458 1-82 64 December 785-838 1-94
The “A” pages consist of statistical tables and reference information Statistical tables are indexed separately (see p. A64 of this issue).
Pages Pages
IstSource Community Development Resource Guide, Bank Holding Company Act of 1956—Continued
SPI sic ac en ieceg etn cal cas eccn soya yreskwscecucceccewelce 818 Applications approved under— Continued
BOE RS MIS ac cnn gids neNcavsnccokvussssivesaueeaun 453
ADAIRSVILLE Bancshares, Inc. ..................5- 112, 145 ist State Bank Foundation, Inc. ............:....sseseesceees 453
Adams, Donald, appointed Senior Adviser, International A.B. Bancshares of Delaware, Inc. ..............ceeeeeeeees 590
PNY Bodin vr iiciin cen du vadbabnadansoacreasbepesaveearseryeds 331 Iie PRC MINDS 6 Gis 500 dacs Gensunntasvansuaaneashedsied 590
III goin ons des aed cp nvesancuceneweciasores 601 ABN AMRO Bank, N.V., Amsterdam,
Ahn, John H., enforcement action, 1996 ...................45- 216 Tet PUNE rssassdxscisnticaugsabdscatceatucahyeen 780
Alexander, Lewis S., Deputy Director, Division of Internationa il ABN AMRO Holding, N.V., Amsterdam
PN NII cio 5S oad acc cdscncasnsqeaernisaseensenves 732 RE, PRMD 5.5.5 scevsenysatcpheweanstenebneeaeease n 780
Allison, Theodore E., Assistant to the Board, Federal Reserve PRE ER a hesiek scien casexssweuysesnsnensunenbheauinesinnen 211
System Affairs, Office of Board Members, retirement .... = Pe I isgg nvc ans ccrevexentssvunnsesaeibonmeansinan 134
Ambroseno, Laura F., articles ...............0.0.005 396—400, 616-26 FE, TORE iia acini onan nccadsaeeisaiecnsncenncsueep dlnea s 211
Annual Report, 85th, 1998 ............... falta ceahoassuecieaccyet 1 Fe TOR IGS. cpsirsisiacscsinesassssecusaceneenmmes 134
Annual Report, Budget Review, 1999 .............00000s ona cen ae Alabama National Bancorporation .............00seeeeeeeees 134
Articles Albion National Management Company, Inc. .............. 73
Aggregate disturbances, monetary policy, and the
Aliant Financial Corporation ................ssseeeeeeeeeeees 134
macroeconomy: The FRB/US perspective , . 1-19
Pa OER NE, SIG. 5 ois sk caceseseysesesietiandeiess 776
Banking relationships of lower-income families and the
Altrust Financial Services, Inc., ESOP .............seeeeees 211
governmental trend toward electronic payment ...... 459-73
Highlights of domestic open market operations Ambank Company, Inc. saeiyaigeuabiGagebeaeieeeitc te mee
SN SI ca feds as hsSawabeni iy susndeswvexererssssscn 217-35 AmBank Holdings, Inc. auvtarcaydesseunSpeeeeniaies 72
Industrial production and capacity utilization: Ameri-Nationa! Corporation ............sscscsesecsceeceeres 348
Se CE PNNINIIIN isinn ckacancnswesnaaecshbetiesirs . 20-33 American Heartland Bancshares, Inc. ............sseeeeeeees 701
International activities of U.S. banks and in U.S. (EI TIO 0 i:ice csc cece vtxasdsedgpnassernseneenees 776
IIE os scence kancwonn diver cadsovnecsessves 599-615 PONE SEE 5 o.5.55465050085s5nedeend makenonace sean 453
RO I aii ii codecs danesaey ends iin ancecayecass 655-66 AEC TE RR. 5 a5i 0iirticccsci isn iandnaterae ee
Monetary policy reports to the Congress ...... 147-77, 529-52 Amundson Family, Limited Partnership .................065 72
Profits and balance sheet developments at U.S. Anchor Financial Corporation ................sesesccesseeees 134
commercial banks in 1998 ...............0cccecceceees 369--95 Amex EGRESS COIOUIY 03.55.050scvncsacscconcvesavsienbannn 650
Role of specialized lenders in extending mortgages to Applactian Tacsheres, GAC. .........00ssessssdevevessansscugon 72
lower-income and minority homebuyers .............. 709-23 Area Bancshares Corporation ................0e000: 72, 211, 837
Treasury and Federal Reserve foreign exchange PROGR TO SING TR iain scne enc ancvesssscnsesuuiees 72, 701
GONE ss ccasicisciensis 178-83, 396400, 616-20, 808-13 AGRO TRIM GOUR,. occ scinviscrescscamnnines 76, 135, 650
Treasury securities market: Overview and recent Astra Financial Corporation: ............s0ssessssssceccscess 72
OIE aa ona ccinvedean sx csustinnasisanaiatescscs 785-806 Atlegtic DanCOUR, BG... <5. os cccccctusnescxiacesatstinn 280
Trends in home purchase lending: Consolidation and the Avomiiahe FIRM COED. ...50 . i6insccacosccetecscsciescnsten 280
Community Reinvestment Act ..................000008 81-102 Backlund Investment Company ..............-+++eseeeeeeees 836
U.S. international transactions in 1998 ..................65. 287 99 RGR SOO COG a.cincicn ccsevsncccsassvaencdcnsatneas 836
ATI COBOS, CORAUREE BODINCUION «..... 25.20.55. cccpcntceieseseseces 324 HE ONG, 6ocsini caccesesesccaseccensyasesauuuasan 836
Pm. TICMTY SOCUNMIES 65.56 sie cciviccsivnsccssnasasssscesen 791 eerrer re 590
PORTE, GE Es I hana acs ii eac dvecedarcvesecwevsiasion 81-102 Bancorp of Okolona, Inc. ....... se isthaieitnaikilnge deaa l 72
OCU OF TRIE TR.. «.... 0c cicnssrnvisncoiiannaceueaeenes 21i
BANK Examination Report Privilege Act ............0...002055 48] NG, RIGS 5c onn sckca sy oon sansn ciedstsnsneotentenneeian 701
Bank holding companies .................scseeeeeeseeees 50, 267, 328 ee eeererrrrrr rrer 452, 590
Bank Holding Company Act of 1956 I I ies ss ge eens vnc8cxs>cesscasteweoraNeRn etase . 704
Applications approved under Bank Capital Contam: xins cnisiscsccesiscessdaventsuaca 590
Eat CNR TIOSII siiais is es coke cascanecnsasnenens 453 Bank of America Corporation ..............sseeeeeeeees 704, 837
A78 Federal Reserve Bulletin December 1999
Bank Holding Company Act of 1956— Continued Bank Holding Company Act of 1956— Continued
Applications approved under— Continued Applications approved under— Continued
Bank of DeSoto, N.A., Employee Stock Ownership Central Bancompany, Inc. ................c.c0c0 ee.e.e e e 591, 652
PEE Guiavededaasvdcavntanbaimncssheeneyarkccencsasnstnves 453 I TI cece vectisenvisesenseccsicsccscrecsanees 211
Bank of Montreal, Toronto, Canada ................... 523, 652 Central Bancshares of Kansas City, Inc. .................... 211
SN PUREED. cctnesandndccatursscicseseecvvescsensswsons 593 RS BICONE, FRG. occ cccccccesscccessvcveccensvesesese 280
Bank of New York Capita! Markets, Inc. ................... 75 aril eciedinwenwonss oveceerexscsesoness> 280
Bank of New York Company, Inc. ............. ace Boy Bildey Sed Central Financial Corporation ............................... 521
MIT is snk voinendasnccchnns seccssestetdvenseecaes 776 Central lilinois Bancorp, Inc. ......0..6. c. .ce.ce. e.en s 779
Bank One Corporation ...............cccccceeeeeeeeeees 139, 280 SII Svc cmaambaencrctecccavacsyecnesenusoes 777
I vas cxcaesiacnencnvandersneobsisevavesassnuus 590 Central South Bancorporation, Inc. ................. 6.600005 72
BankFirst Corporation ..............00cceecceeeeeeeeeeeeeeeee SOB Central Texas Bankshares Holdings, Inc. ................... 348
Banking Corporation of Florida ..............0...csceeseeees 590 RN iakccnanedehestbscanescoedsctvseseves 71, 134
Bankmont Financial Corporation ...................... 523, 652 Century South Banks, Inc. .........0..6 c.c e.ce. c.ec.e e.e e 348
Banknorth Group, Inc. ........c.ec.e c.ce.eee0ee0ee0enecencee s 72 Chambers Bancshares, Inc. ................000eeeeeeeeeeeeeee 213
Banque Nationale de Paris, Paris, France .............. 139, 704 Chaparral Bancshares of Delaware, Inc. .................... 72
IED. Rath cdintiescesnasaqnedqhcekasarestsessesvehnis 453 Chaparral Bancshares, Inc. ...................ceceeeeeeeeeees 72
Barret Bancorp, Inc. ...........0.-.ceeeeeeceeeeeeeeeeees 211, 453 Charter One Fimancial, Inc. ................ccccseccesescseses 704
Bartonville Investment Company ......................00008 836 CBee INES, BRC. noon nn neck e cee cnccescescesesess 280
Bauer Investments, Ltd. ..............00ccccecceeeeeeeeeeeees 348 Cherokee Banking Company ..............-.....0.0000eeeees 591
Bauer Managment, Inc. ..............000ceeeeceeeseeeeeeeeees 348 Chickasha Bancshares, Inc. ...............0cs0eeeeeeeeeeeeees 140
Baxter Bamcahhares, Inc. .........0....scccccccesccscccescecees 590 RRA Gat Bee en eee 779, 838
Bay View Bank ............. pnpsecbipahnckaenexeenietbn5dc s ne Citicorp Strategic Technology Corporation ............ 779, 838
I Siedanencescacursescetdrescesuacersenes 282 I Psd nuhicacsscdrcnenicescessccevevenses 455, 779, 838
Bay View Capital Corporation .................s000s00: 282, 593 Citizens Bancorp Investment, Inc. ...............6.0e00e00s 591
BB&T Corporation ................ 75, 140, 525, 594, 653, 704 Citizens Bancorporation of New Ulm, Inc. ................. 72
BB&T Financial Corporation of Virginia ................... 140 Citizens Bancshares of Southwest Florida .................. 521
BCB Holding Company ................000cccceeeeeeseeeeees 701 Citizens Banking Corporation ....................6.000eeeees 838
BG SIN, DID, weneccccecccvccccccsencncessssceseranss 211 Citizens Bankshares Employee Stock Ownership
BOC Bankshares, Inc. .............c.cccrcccscccccessececcess 701 iain detent pisses enciserecestnseseuits 211
Belvedere Capital Partners, Inc. ..............0..0.000ee 72, 591 IE RIND osc c csi coescsctccsccssessnscrensesecenes 453
Belvedere Capital Partners, LLC ................00.0005 453, 650 Citizens First Corporation .................000ceeeeeeeeeeeees 211
Beulah Bancorporation, Inc. ................ccceeeeeeeeeeeees 72 Citizens National Bank ..................cceeeeeeeeeeeeeenees 136
Bloomfield Hills Bancorp, Inc. ................00eeeeeeeeeeee 521 Citrus Financial Services, Inc. ..................e2eece cecee e 836
Bluestem Bank Holding Company, L.L.C. ................. 72 City Holding Company ................00...ccececeeeeeeeeen s 591
BNKU Holdings, Inc. ..............00cceeeceeeeeeeeeeeeeees 590 Clark County Bancshares, Inc. 22. 0.0... 2.0.2. e ccc eee eee 348
BNY Capital Markets, Inc. ..............0cceceeeeeeeeeeeees 282 Clarkston Financial Corporation ......................200005 135
Boiling Springs Bancorp ...............00cccceeeseeeceeeeees 776
Boiling Springs, MHIC ............ccccccscccccvecessevccesces 776 Coast Community Bancshares, Inc. ...............6.0000000s 280
BOK Financial Corporation ....................55 139, 521, 591 Coconut Grove Bankshares, Inc. ................000eeeeeeees 650
Boston Private Financial Holdings, Inc. .................... 837 Colorado County Investment Holdings, Inc. ................ 348
Bridge Information Systems, Inc. ...............0..sceeeeee 71. CI OBI oni cen csvcnescccccceccrescesceseeses 73
Britton & Koontz Capital Corporation ...................... 75 Columbiana Bancshares, inc. ...............000ceeeeeeeeeeees 593
Brookline Bancorp, Inc. ..............cccceeeeeeseeeeeneeeees 779 EE NE ed eitdcanccecavbasesasevtessncteseavarerecasecs 139
Brookline Bancorp, M.H.C. ............00cecceeeeeeeeeeeee 77 Commerce Bancorp, Inc. ........6.2..6.. e.c e.ee .ee.e e es 135, 348
Bryan Family Management Trust ...................2000000: 135 Commerce Bancshares, Inc. ..................2055 453, 651, 702
IIE, SES odecrocnrncucacscecccccecccreseceacnerenes 521 Commercial Bancshares, Inc. ......2..0.00.0 .cc.eee.ee. ee ns 591
BSB Bank and Trust Company ..................00ceeeeeees 521 Commercial Credit Corporation .....................00000e0e 455
BT Financial Corporation ..............00cc0eceeeeeeeeeeeees 594 Commonwealth Bancshares, Inc. ...................... 593, 704
Buckeye Bancshares, Inc. .............0cccceeeeeeeeeeeeeeees 776 Community Bancorp of New Jersey ....................0055 594
Bugbee Family, Limited Partnership .....................++- 72 Community Bancshares Corp. ...............00.c00eeeeeeeees 73
Business Bank Corporation ..............000cceeeeeeeeeeeeees 211 Community Bancshares of Mississippi ..................... 281
SP EE cen naeiaaieGibannsanisavervesshasedavonsansins 348 Community Bancshares of Mississippi, Inc. ................ 777
California Community Financial Institutions Fund, Community Bancshares, Inc., Employee Stock
Limited Partnership .................ceeeeeeee 72, 591, 650 Ownership Plan and Trust ...................0000ceeees 73
California Financial Bancorp ...............0.ceeeceeeeeeeees 72 Community Banks of the South, Inc. ....................04. 650
Cameron Bancshares of Delaware ...............000s2eeeeee 280 Community Commercial Bancshares, Inc. .................. 453
Cameron Bancshares, Inc. ...............ccceceeeeneeeeeeeees 280 Community Financial Group, Inc. ..................6.++. 75, 593
Capital Bancorp, Inc. ............cccecceceeeeeeeeeeeeeeeenees 280 Community First Bancshares, Inc. ............... 211, 453, 650
Capital Bancshares, Inc. ................cccceeeeeeeeeeeeeeees 348 Community First Bankshares, Inc. ...................0000000 435 1
Capital Bank Corporation ...............0cceceeeeeeeeeeneees 135 Community Investments, Inc. ...................2.eeeeeeeees 213
Capital City Group, Inc. .................csceceeeeeceeeeseees 452 Community Loan Company ...................... 282, 351, 524
Capitol Bancorp, Ltd. .............c.ee. e.e.ee. e ee 521, 702, 777 Community National Bancorporation ....................... 777
Cardinal Bancshares, Inc. ...............ccccceeeeeeeeeeeeees 211 Community National Bank Corporation .................... 76
Cardinal Financial Corporation ....................+.4. 213, 650 Community One Bancshares, Inc. ................0000see0ees 777
Carolina First Corporation ..............ccceeeeeeeeeees 213, 348 Community Shores Bank Corporation ....................55 73
Carthage Nevada Financial Group, Inc. .................005 348 Community Spirit Bancshares, Inc. .................000e000: 73
Carthage State Bancshares, Inc. .................cceeeeeeeees 348 Community State Bancshares, Inc. .................0.000000: 453
Castle Creek Capital Partners Fund I, L.P. ....... 135, 212, 349 Community Trust Financial Services, Corp. ..... 282, 351, 524
Castle Creek Capital Partners Fund Ila, L.P. ..... 348, 349, 650 Compass Bancshares, Inc. .................0ceceeeeeeeeeeeees 134
Castle Creek Capital Partners Fund IIb, L.P. .... 348, 349, 650 SN iicnGndaveseniersissecskccccarseeecesuaess GON
Castle Creek Capital, L.L.C. ................ 135, 212, 349, 650 Consolidated Equity Corporation ...................56: 455, 591
IE liad Nb caubud tien sceinstececesenencordenssccuavans 211 Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A.,
CBOT Financial Corporation .................00cceeeeeeeeees 140 Rabobank Nederland, Utrecht, The Netherlands ...... 351
Re OI, FRG. nis cscs cccscnccccvccsccsecosesccenss 135 Cornerstone Bancorp .............c0ecceceeeeeeeeeeeenseeeues 702
IS Cinnnskatveeicasicrsestcsvrenssacteccayeous 135 Cornerstone Bancorp, Inc. .............ce.c.e e.ee2neceeceeces 211
Centennial Bank Holdings, Inc. ...................ceeeeeeeee 455 Cowlitz Bancorporation ............00.0.ceceeeeeeeeeeeeeeues 652
Centennial First Financial Services ...................0000+ 836 Credit Suisse First Boston, Zurich, Switzerland ............ 652
Centon Bancorp, Inc. .............ccseeeeeeeeeeeeeeeeeeeeees 521 Credit Suisse Group, Zurich, Switzerland .................. 652
Index to Volume 85 A79
Pages Pages
Bank Holding Company Act of 1956—Continued Bank Holding Company Act of 1956—Continued ;
Applications approved under— Continued Applications approved under—Continued
Criterion Investment Management, LLC .................... 653 First National Bank of Nevada Holding Company ......... 522
Cullen/Frost Bamikers, 16. .....:......0cccsccssveees 133, 452, 520 First National Bank of the Rockies ..................seeeces 522
CNET NINN DING oo ricci anccuconccavessccccseseaes 351 First National Bankshares of Beloit, Inc. ..................- 524
COREE IR FIN cen Scc sn ncrsstusansnenentecsensenscgs 211 POE DOSURIRL CIID 5s asddctsinacivensvsetanaaveade 651
Dai-Ichi Kangyo Bank, Limited, Tokyo, Japan ............. 704 First National Corporation, North Dakota .................. 139
Dai-Ichi Kangyo Fuji Trust and Banking Co., Ltd., First National of Nebraska, Inc. ...............scccessesseees 520
I is damit caiassraressancdsahicwiesbuicandsa 704 PEE PRES TR IE os oic nse vviacesctunauessensonabeneee 136
Darlington County Bancshares, Inc. ..................00000. 524 First Personal Financial Corp. .............cceeeeeeees eeeee 281
PO TINO, TBS. civ us oc Sunesictknncicsce'sMasccussban 139 Papel PUI CI oc incisive vccesvvusccecnccysvsnascads SUE
Deca COMROTRRIOR, TRC... o56 000 cssceesseeesssese. aa ee First Premier Financial Corporation ...................ee00+ 591
Se a side vatcshaciaccckcetcbaactsivevesdvacaces Gee Piet PIGOP PON,TM G... .5scncecicscssiabiaesasenebebibentcl 139
Delta Bancshares of Louisiana, Inc. ...................00005 591 Pret NN UND aioe sv cudncosncapeduvarssempmanciiong 136
Delta Trust & Banking Corporation ...................00005 777 Fired SOCmty COPE osc ssc csvcecssvescetesoeserscsees 520
Deutsche Bank AG, Frankfurt am Main, Federal Paret TOCUNY KRNOU PNG. oon occ caccsdasecddeccnssenadeaea 777
Ee er renee 139, 524 Pivat Sooner Becsees, INC... sec cvsescawsesssvenesenent 779
DFC Acquisition Corporation TWO .............cceeeeeeeees 777 FEE NE I erisiedives ssn sdsusassucigs ocdunwnaeeaneneees 591
RR IIIS vane cnsnviccasescuenekerenesvessusanneees 214 First: State Bank Of Canadian ....0 650.505 scscdcecsessscseveess 778
Doral Financial Corporation .........0.cscssccssscsesssucnes . 704 Feat TS SI TES 5 ois irises ncnscesevewetongighenins 349
Th ESE AE SCRE SES SER ee er te ae or eae ee 777 First Tennessee National Corporation ..................sse08 210
Dresdner Bank AG, Frankfurt, Germany ................... 76 Ficet Union COnOEMRION ....0.0.0.0crcccaecdecaneccdueneeen 136, 779
Dresdner RCM Global Investors, LLC ...................4. 76 Farad: Vata CNR oii iccins tenennaasscutabocenenaeemel ene
I TININ BMG es xscigaceneiecssccntenseesnsacn 211, 522, 777 First Washington Bancshares, Inc. .............sseeeeeeeeees 73
East Alabama Financial Group, Inc. ...................0000 591 First Western Bancorp, Inc. ............sseeeeeueee 139, 593, 652
a ID cai sidn one vnidnienseensusdseesassevecweanee s 73 PRUE PR DIS accss ouseencckwnaonesendeedsduecatuaned 73
eG MINS Gite ciss cneascnsarnariesetguienanttensnas 135 FirstBank Holding Company of Colorado .................+ 520
Eggemeyer Advisory Corp. ...............-. 135, 212, 349, 650 FirstBank Holding Company of Colorado, ESOP .......... 133
ETO SENING TNE: cai eves in cccwassacesepcecaecsusanaes 139 FirstBank Holding Company, Employee Stock
EverTrust Financial Group, Inc. ............ccssessscsecenee 777 POE SOE inss eens sa ssuebarekouarpeeeeeebonmee n 520
FG OOOO, THC. 55. c ccc nccccicccnstscceens Say BOO Fishback Financial Corporation .............cseeseeeesseeees 212
Pee IIR wats vixen secaddatadctesretescesenceiies 136 Fe IN ais occ ven ccevewerncnoeuscuneemnanenen 214
Farm and Home Insurance Agency, Inc. .................... 352 FLAG Financial Corporation .................0005 591, 704, 777
Farmers & Merchants Bancorp ..............0sseeeeeeeeeeees 349 Picet Pammiendd GIO, TRC ..o socks iccsssscacenscesesctagenes 139
Farmers State Bancshares, Inc. ............2...100ccesesneeens 281 Florida Business BancGroup, Inc. .............sceeeeeeeeees 778
FRMOER ONS POTION ois cece cicdsossesacwssscenasenss 652 PORE FCO, CB. iiss sins seiicescvendncnvecnvousegenes 836
FUE NIIOOD ie kainic sccckivessaccesveensievernliens 702 FNB Financial Services Corporation .............sssseeeeees 704
SEE ME ENG. dsiecerarsaeereseceqeeuetennsny 135, 139 PR Fe COPING cies ss. 0sccccsiiwasiancavseness $22
PN third nonenecunnncokseGuniGannsonessininaenneeenteee e Foresight Financial Group, Inc. ..............cseeeeeeeeeeees $22
PIII 5 fe nick so nen dinded Saupe boneaen eee eKeaes 702 Fortis (B), Brussels, Belgium .............0sscscsssswesssees 200
Fifth Third Bancorp ..............sssesese. 135, 213, 522, 591, Fortis (NL) N.V., Utrecht, The Netherlands ................ 282
593, 652, 777, 780 Founiticns HaiCaRSGs, DAC. 5 ...0.00cccsscecensievesevenseouie 212
Fifth Third Bank of Southern Ohio ....................000s 135 POUmRES ViCW TANCOND, TRG. 5 once i iseessecsscansasveeceans 281
Fifth Third Bank, Cincinnati ........................... 213, 652 Fox River Valley Bancorp, Inc. .........scccsvervcrseseevces 281
PG FG INE BE Sisiscisciscesccssvsicciewecsweesseswnee. SOM oS eer Tree Se
First American Bank Group, Ltd. ..................000: 135, 349 Frontier Financial Corporation ..............ssesseeeees 136, 592
First American Credit Corporation ...............00s0eeee0e: 135 Fuji Bank, Limited, Tokyo, Japan ............sseeeseeeesees 704
First Bancshares Corporation ............:2sscccccccesescsees 650 POM MIND. snichiveixien <aaniensddasvopenease swiabygNanaeeeernead 140
PE SI, CINE have vsanvcssnceaanccisnacetensensas 135, 836 VI CREWS CORD. nin csi scssovecseswaceuswenssveensiiin 140
WRG IIS conc cds a pnanessasaowinsm tekertastacnksae s 73 PWT Acmmintien CO. os ccciciscccisccntscnnascscexsccecOee
First Bank Shares of the South East, Inc. .................. 213 Gateway American Bancshares, Inc. ............-seseeeeeees 136
First Banking Company of Southeast Georgia ............. 349 Georgia Community Bancorp, Inc. .............:seeeeeeeen s 702
PUG CONS ex teakc sukecinecsnresessceceondedesendeseress 650 German American Bancorp ................sseeeeeeseseeeees 139
Pent Re CNG 5 oii s cence ss csciceissetecceons 779 German American Capital Corporation ..............+++++++ 524
First Capital Bank Holding Corporation ..................+. 454 Gibbon Exchange Company .......00..0cccscercserscersenese 211
First Commerce Bancshares of Colorado, Inc. ............. 212 Gilmer National Bancshares of Delaware, Inc. ............. 778
First Commerce Bancshares, Inc. .............sseseeeeseeeee 212 Gilmer National Bancshares, Inc. ................0eeeeeeeeee 778
First Commonwealth Financial Corporation ................ 73 GUA DAE TN vis ina div ceviine cexsnneccedoneswabiian 136
First Community Bancorp, Inc., Glasgow, Montana ....... 73 CEE CN aise cscs on vosevacexvintasssaneuedseenseeen ee
First Community Bancorp, Inc., Pahokee, Florida ......... 73 Gold Banc Corporation, Inc. ............0eeeeeeeees 76, 351, 704
First Community Financial Corporation .........:........+. 349 Gooden BACON os oon csccccsivcrecsrevesascessses 454
First DuPage Bancorp, EEre ry e eer eet se 281 Clem TRAE, TAG. ios i wiscceceucacccvevevecosecceevevesses 281
First Express of Nebraska, Inc: .............scsccescscsesess 135 Great Northern Corporation ............cssscsecseesecceveees 702
First Financial Banc Corporation .................+...+222.. 522 Growt Somieth BeMCONp, EAC... .....serisiicsevsdcondasecesae 282
Faret FCERE TRND one svn cn ccicccvecsescseseencnesen 349, 454 CHOI TIES oss vnc sn svc rcvesnctcceiiativesivaneseedsones 838
PR DRIER hc nc cpwanssncsenonecwssscsvicasssawnse 702 Grontet: Ray BAGOtD »v i..es.sk. casseveresssescesnveveeens SOey Oe
First Frederick Financial Corporation .................+++0+. 75 Greater Community Bancorp .............cseeeeeeeeeeeeres . 454
First Interstate BancSystem, Inc. ............cseeceeseeeeeees 591 Greene County Bancorp, Inc. ........06...cseccccescoeverece 73
PREG COREE I BOs cncavevccescensctsessersvaccgens 591 Greene County Bancorp, MHC ...........sccscssscccesevees 73
First Louisiana Bancshares, Inc. ...........0sseeeeeeeeeeeees 591 Greenville Community Financial Corporation .............. 281
Fatee CMON occa sisaicssnceceessossnsneseceses 779 Griffith Family Financial Holdings, L.L.C. ..............06+ 702
Firat MECICROURE CENPORRMION oii... 50 es csvcccseccccccsoecccess 281 Guaranty Development Company ................0+0eeeeeeee 524
First Mutual Bancshares, Inc. .............c0ccsccseeceveeees 702 CIE DR aso ctscivinnsscacicveacwestvetacaaseawweetnese s 524
First Mutual of Richmond, Inc. .............ceeeeseeeeeesees S24 Paberiett Bat: ........ccicessntesesucssnseiskesectunese 454
First National Bancshares, Inc., ESOP and 401(k) Trusts . 73 PROIOS s PONG, TG. civic sce ives dewicsnecysceseeeentee 651
First National Bank at St. James, ESOP and Trust ........ 136 aeitiar BOON, BRC. - 55... nckcisnses sceucevesnseseceseeers 778
First National Bank of Clovis, Employee Stock Harleysville National Corporation ...........::+eeeeeeeeeees 136
RII BD 5c ceccpeccnrnsincccetisceoneceaecveses 212 SUC IEEe RUE RG, i o.o5.. contccnad se coveensctsicvnesaubaens 651
First National Bank of Nevada ................cceseseceesess I22 Fionrlaid Mratanes, GAG. x. 5. osc os scdncendacissecacessxees 592
A80_‘Federai Reserve Bulletin December 1999
Pages Pages
Bank Holding Company Act of 1956— Continued Bank Holding Company Act of 1956— Continued
Applications approved under— Continued Applications approved under— Continued
Henderson Citizens Bancshares, Inc. ..............200000005 136 MemphisFirst Corporation .................6....60cceeeeeeees 281
Henderson Citizens Delaware Bancshares, Inc. ............ 136 Reorcamtine Bancorp, Inc. ...............cceseesesesseees 454, 702
Heritage Financial Corporation .................00-ceeeeseeee 136 Mercantile Delaware Bancorp, Inc. ..................000005- 454
High Point Financial Services, Inc. .................2000sees 73 Merchants & Manufacturers Bancorp ....................... 651
Hillcrest Bancshares, Emc. ..........0...cccccsecccsessecceees 836 Merit Holding Corpoiation ....................ceeeeeeeeeeees 282
Home Valley Bancorp ...............sseceecesecceeseeseseees SDB Metroplex North Bancshares, Inc., Employee Stock
Homeside Lending, Inc. ...............0ccecceceeceeeeeeeeees 455 IN ia deh scbncheucnadsctndekdvsrsdSvevenvsses: 23 50
Homestead Financial Corporation, Employee Stock MHBC Investments, Limited Partnership ................... 522
SI cixsizrnccawaenascsxaceddstusdsedieqseesares 136 Mid-Atlantic Community BankGroup, Inc. ................. 74
Hometown Banc Corp. .............cccceeeeeeeeeeeeseeeeeeee 350 Mid-Missouri Bancshares, Inc. .................60c0eccee eee e 838
Hometown Independent Bancorp, Inc. ...................... 350 Midwest Bancorporation, Inc. ..............006.000cc. e2c6e 454
Horizon Bancorporation, Inc. ................cecceeeeeeeeeee 836 DR PVOS OMIT, PRG. oo occ cece ccs ccccccsscecsessecccoess 702
Horizon Financial Corp. .............0000cceceee eeee eeneeeee s 454 Mille Lacs Bancorporation, Inc. .................000eeeeeees 778
HSBC Finance (Netherlands), London, England ........... 649 Millennium Bankshares Corporation ........................ 350
HSBC Holdings B.V., Amsterdam, The Netherlands ....... 649 PUNE PEO, oiccs sc ecccicnccssevsseeasstovesseece ORE
HSBC Holdings, plc, London, England ............... 134, 649 Monument Bancshares, Inc. .................0c0eeeeeee eeeeee A3 50
Hudson City Bancorp, Inc. ....... 0.2.0.6 ccceeeeeeeeeeeeeeees 522 Mortgage Capital Investors ....................cceeeeeeeeees 214
IS SaciuvcnankcnunonGeutscneveneeetveresreted aaa Morton Community Bank, Employee Stock Ownership
EE na ticessvesiccietvedcicesnessevatcastbuet 212 TEN wavasevasenancecdseensaeipincneicnhesesrse 23 50
Huntsville Holdings, Inc. .....0..0 .c.ccc.cee.eee.eee.eee.eee s 350 poise aos saiedanccswconendddwntareenane’ 76
tex canacccviseesccercsenienrcnckscsconnsecesceas 778 ty ME IL, DN niin keke casa susavendonesecensensese 74
Independence Bancorp ................ccccccccesssscecececes 454 Mutual Bancorp of the Berkshires, Inc. .................... 76
Independent Bancshares, Inc. ...........6.c000cceeeeeeeeeees 75 NATCOM Bancshares, Inc. .....0.06. cc.c c.ece. ce.e e.ee ees 837
Independent Bank Corporation .................c00eceeeeeees 592 National Australia Bank, Limited, Melbourne,
Independent Community Bankshares, Inc. .................. 704 EL Malccrekarsseuatbiaekscnvicakiialackdonaenee s 76, 455
Indiana Community Bancorp, Limited ...................... 777 National Bancshares Corporation of Texas ................. 780
Intervest Bancshares Corporation ................00c0eeeeees 281 National Bank of Commerce in Superior ................... 837
Inter West Bancorp, Bac. ...........cccccseccesccccconesceseses 778 National City Corporation ...............2.00sceeeeeeeeeeeees 705
Inwood Bancshares, Inc. ...............cccceeeeeeeeeeeeeeees 702 National Commerce Bancorporation ..............0...e0005 651
lowa Community Bancorp, Inc. ................ccceeeneeeees 454 National Westminster Bank, Plc, London, England ... 282, 705
Ipswich Bancshares, Inc. ..............000ccceceeeeeeeeeeeeee 592 Nationwide Bankshares, Inc. ............0.c.cc. .ce.e.e e0e ee 281
J. Carl H. Bancorporation .......0.60. cc.cc .ec.ee .ee.ee e.ee es 593 NBC Capital Corporation ...................ccecceeeeeeeeees 137
J.P. Morgan & Co., Incorporated .................c0eeeeeeees 593 PCE MNES ha savaincctsatcdsiisncnracicdacscucsecctas SOM
J.P. Morgan Capital Corporation .................see0eee0e 593 New Commerce BanCorp ...............scceecsccecsesseeees S22
J.R. Montgomery Bancorporation ...................5+ 281, 651 New Galveston Company ...............0000eceeseeeees 133, 520
Jacksonville Bancorp, Inc. .............0cceceeeeeeeeeeeeeeees 136 SS sikiaicabonreascconcesscsavvatderccceustan Ome
James Monroe Bancorp, Inc. ..............00ceeceeeeeeeeeese 593 Nexity Financial Corporation .................ceeeeeeeeunees 837
James River Bankshares, Inc. .................000eeeeee 651, 779 NMinom Bomoseen, Bac. ...........06.sccsesssececscccccencess 137
Jamesmark Bancshares, Inc. ..............00.cceceeeeeenneees 651 North Country Financial Corporation ....................... 524
Jere J. Ruff Family, Limited Partnership II ................. 703 | Northern Star Financial, Inc. .......................0005 137, 652
Kennett Merger Corporation ................0cccseceeeeeeues 836 Northfield Bancshares, Inc. .......00.00.00 .ecc. ec.e c.ec0e ee ns 454
Kentucky National Bancorp, Inc. ....................0+2.+. 350 Northpointe Bancshares, Inc. ..............00..cceeeeeeeenees 137
Kercheval Limited Partnership .................000ceeeeeeees 778 Northwest Financial Corp. ..................cceceeeeeseeeees 652
SR dtnsiine cetndna Pianta rdaneces texdcesedacansesscseeeis aOe PORT TROON, BG aca cin ccc cic ccsecesesessccscsscoonses 780
Kircher Bank Shares, Inc. .............00cccecceeeeeeseeeeees 592 PRUUTGN DON, OES eisn se sesscsscccccsscesusseccanncnes 780
La Plata Bancshares Delaware, Inc. ................0000000e 651 Norwest Financial Services, Inc. ................. 140, 214, 455
La Plata Bancshares, Inc. ...............cccceeeeeeeeeeeeeeeee 651 Norwest Financial, Inc. ..................ceeeeeeee 140, 214, 455
Lakeland Bancorp, Inc. ................ccceeeeeeeeeeeeeeeeeee 350 Norwest Insurance, Inc. .................cceseeeeeeseees 456, 652
Landesbank Baden-Wurttemberg, Stuttgart, Germany ..... 838 Norwest Mortgage, Inc. ................ 140, 214, 594, 780, 838
Lea M. McMullan Trust .................ccsseceseceeeeeeeees 836 RUN NEES (aicniecnasinsevscsarescoseriuneincesas 705
Lehigh Acres First National Bancshares, Inc. .............. 702 Norwest Ventures, LLC ..................... 140, 214, 594, 838
Letchworth Independent Bancshares Corporation .......... 454 Oak Hill Financial, Inc. ..................cccceeeeeeeees 703, 705
SINE Naa Gtewneccuseevisecessseksiccenceceaccnets 702 Oakland Financial Services, Inc. ...................00600000s 780
Lincoln County Bancorp, Inc. ................00ccceeeeeeeees 136 rererarer err ere rr eererr era.»
EPG GINO, van cerecececesscssecccsccceveeseasscssenes 281 ER PONE TI. iiss cccciceseccecessscvvcsencevedess 74
Lubbock National Bancshares, Inc. ...................00e0es 455 Old Kent Financia! Corporation ........................ 521, 701
PNG BM siudvccecaksuerescesnsureersseseeeksecedun 592 Old Mission Bancorp, Inc. .........0c .cc. .ee.e e.ee. ee.e e ns 778
MAI Data Services, Inc. ..............cssccccsesecesees 214, 779 Se SIND, Sc vcecresieccccsnsvevesessansnsccenesese 210
M&T Bank Corporation ...............0..ccccceeeeeeeeeeeees 283 Old Point Financial Corporation .................0...00e000 139
M.R. Melton, Limited Partnership .......................0005 454 Olney Bancshares of Texas, Inc. ..........0.0.c c.c.e c.u6 e ee 778
Machias Bancorp, Inc. ................cceeeeeeeeeeceeeeees 74, 76 Olympia Financial Corporation ..................6..66600ee e 283
Machias Bancorp, MHC .................ccccceeeeeeeenees 74, 76 Oneida Fimancial Corp. ...............cccscseeseseccncaccnees 74
Macks Creek Bancshares, Inc. .............0..ccccceseeeeees 522 Oneida Fimancial, MHIC ................ccccccccsscsscsccccces 74
Madison Financial Corporation .....................eeeeeee e 136 Osceola Bancorporation, Inc. ...............0000cecceeeeeeees 212
Mahaska Investment Company ....................2.0eee0005 652 Oswego County Bancorp, Inc. ................. 0660000000. 522
Main Street Bancorp, Inc. .........0.cc. e.ce. ee.e e.ee. ee.e ee 702 Oswego County, MHC .................,.cseeeeeeeeeees I22, 592
NT IOI, ninceensncccecsecccccevsveeesccuteseees 837 Overton Delaware Corporation ...................0.++.. 212, 837
Marine Bancshares, Inc. ...............eceeeeeeeeeeeeeeeeeees 350 Overton Financia! Corporation ......................... 212, 837
Marlborough Bancorp ..............0ccccceeeeeeeeeeeeeereees 212 PU PONG, TAC. once is ecccccasienessesessssescs S1e
Marquette Bancshares, Inc. ..................00005 136, 139, 779 RN on cahancnidvacwicracaensedceonn sernadse s 137
Marshall & Ilsley Corporation .............. 214, 351, 705, 779 Pacific Community Banking Group .......................5. 590
Mason-Dixon Bancshares, Inc. ................20cceeeceeeeee 137 Pacific Continental Corporation .................0000seeeeees 281
McClain County Bancorporation ....................0..e000e 455 Palmer TRAMCMIES, GAG. ow noo aan cccccccccececcowsccccssentes 7
McDonald Investments, Inc. ...............cccceeeeeeeeeeees 593 Pandora Bancshares .............0.00sceseseeeeeeceeeeeeeaeees 214
McIlroy Family, Limited Partnership ....................... 212 Park Cities Bancshares, Inc. ...............00cceeeeeeeeeeeees 591
Mellon Bank Corporation ................6...ceeeeeeeee 214, 705 Parkway National Bancshares, Inc. ..............00...000005 778
Memphis Bancshares, Inc. ..................ceceeeeeeseeeeees 350 Passumpsic Bancorp ............2000cceeeeeeeeeneeeseeeeeeeee S24
Index to Volume 85 A81
Pages Pages
Bank Holding Company Act of 1956— Continued Bank Holding Company Act of 1956—Continued
Applications approved under— Continued Applications approved under— Continued
aN MN lar re dxe p riivaseusaie paecieeeysasyeveuawss 76 South Texas Bancorp of Delaware, Inc. .................... 523
Patriot Matsonal Bancorp, Inc. «0... <ccsisccsccsscaccccsccses 778 SO SE SN GAG sis icavcasavsersvinaavenbanenincee 523
PB Financial Services Corporation .......................... 592 SOUTAET TMUNING, TR. a asic eserves ccessivvoessdeeexetes 454
Pembina County Bankshares, Lid. ......................004. 651 SEE DENNY MM 65.65 55043%50s0%0cewninubennseceuloneen 75
Peninsula Bancorp, Inc. 837 Southern Financial Bancorp, Inc. ...............eceeeeeseees 778
Ponm:- Laurel Pimemcial Corps oi.s sce cccccccccccacscceswas 523 Southern Jersey Bancorp of Delaware, Inc. ................ 703
Pennsylvania Commerce Bancorp, Inc. ..................5. 593 SOIC UE GUND, INE. a snncosacerayevansrersehunceanen 780, 838
PR MC II 0.es n cecsivanucsdacicuenvse neesanuusuna nee St. Charles Financial Corporation ...............ccceceeeeees a *
Peoples Bancorp of North Carolina, Inc. ................... 651 SARGG CCUNNNOE, TG. sess ccecsskecictetudntdensavinadin 281
UE SII BI 556 cai ncakwcesscacuiededensants 651, 703 Standard Chartered Bank, London, England ................ 455
Peoples Bancorporation, Inc. ............. 212 Standard Chartered, PLC, London, England ................ 455
Peoples Florida Banking Corporation ....................... 703 State Financial Services Corporation ..................0000+ 592
PN SEMIN, ay pied dads nathdchbunwesteenrnsaadsauens 137 State National Bancshares, Inc. ................seeeeees 212, 282
PFSB Bancorporation, Inc. ................. ei assenctecuepseaie, ae State Street CotpPOTMION ....cscsccccssvesevesssaves 71, 282, 351
PMN UE ianen sw chinsier<essicsusenondceuvdes theasevseotene 454, 524 Stearns Financial Services, Inc., Employee Stock
Pilot Grove Savings Bank, Employee Stock Ownership Plan and Trust
SEI ie a seiasconsieencdtaihecatanbianasaaksines 703 ROTI ON, DAG. ns sinc cisssccnscenshsadveeteunavencves
Pinnacle Bancorp, Ic.. ........0scccsccccasens sovee SOQ, 178, B37 Stichting Administratiekantoor ABN AMRO Holding,
PN IG Ga Wbceecasvctyatnecdsudunuyscixesuunenpacs 650 Amsterdam, The Netherlands ............csseeseeeeeees 780
Pleasants County Bankshares, Inc. ................0.eseeeeee 74 Stichting Prioriteit ABN AMRO Holding, Amsterdam,
POW MP NIES 25 vines asitdineasnthesesedudekniatvieuseaxt .. 139 TEED SHUG onv ic vin<a ivnsidunenassadavhacodegenakins 780
POR IIE 6 onc oncaintanvacundbeversieecberseten 280 Stockgrowers Banc Corporation .............ccseeeeceseeees 455
PN GU NOI MNES: civic essincedeccversnersswacsyates 649 Stockmans Financial Group ................ssseeeeseeeeeeees 350
Popular International Bank, Inc. ......................0eeee 280 Se ck | Seee e re 592
I: SEN IOI cic nc icenavenotuon edrais ecnna meaese e 280 SUM Finite ome: oineie asc nc ccvievevnsscwesescessuns 137
PINS vou cckvaasencqenaninwichismiedessvaeaseouds 280, 649 Summersville Bancorporation, Inc. .............eeeeeeeeeees 703
Port William Bancshares, Inc. .............ss0000eceeeeeeeees 137 NN MONNMNONID 6.55. ssc isnansereveveceuseneescedasawansihiin ane
POU TINIE, GIN oi icc waecnssonewesseenes ~ ane SIE AUN, BO» dicen crosxsnonudn eadnnehnadaniengs uSsae R 137
Premier Bancemeres, INC. .......00-ccecceecserseses 651, 703 , 778 Sun Community Bancorp, Limited .................... 521, 702
Pritchard Acquisition Co., Inc. SGOT SEMEN, OR: »5 . cc siscccsennccnsuteageveusbanetwenen 455
Prosperity Bancshares, Inc. SUE ONE SN, GIGS 5c 5kncs'sas vane sen scant deaenaandenes 525, 705
Provident Bancorp . Superior Financial Holding Corporation .................... 215
ee MD i advaxyevdiesswcniwes Susquehanna Bancshares, Inc. ............cseeeeeeeeees 137, 525
Quincy Bancshares, Inc. Swedish-American Bancshares, Inc. ..........0ceseeeeeeeees 455
Rae Valley Financials, Inc. ..... SYMAGY DORCMNCE, BE oii cscs iver ssoscunsaevseescerens 213
Readlyn Bancshares, Inc. ......... Synovus Financial Corp. ................ 75, 703, 778, 780, 837
Red River Bancshares, Inc. oe 76
Regions Financial Corporation ...................+. 74, 140, 281 TBAC Bancehares, Inc. .....ccivessccaccsaves 75, 703, 778, 837
PN CNR, DIRS oo 05 cic ieipecascesceseecserseucuns 454 TU III, TRL, aini cacennconcandcchosuiacereea= 138
ceINe TROND, TG oo5 5 sss ccs cesccnsaviscssncrnsecse SEM See Terry and Kathy Barrett Family, Limited Partnership ...... 75
ee EN NB ao sini sidan savectvediasacscnciaves See Texas Country Bancshares, Inc. ...........00ssscessosesesses 138
Richland County Bancshares, Inc. .................20000000e 137 Third Sincet Boncebmes, WC. .c..0050600cssvvssccessasssssese 651
Richmond Mutual Bancorporation, Inc. .................... 524 Tonti Financial Corporation .........0.scscsersscsscovencvens 651
MONE ROMIIN, TUR ci vanovasectieveviccnseteesesasuses 74 ‘Terwer Paci CON ORRROE ooo sines cccccnssvesceesossecnes 213
Ridgewood Financial, MHC ..................sscceecceeseees 7 Town & Country Bancshares, Inc. .............0ceeeeeseeees |
Rumcy County Bancshares, Inc. .......6000ccecsessvecesssens 350 Teme OCG TONER COI iia isiiws ssdsskusscnweversasvenes 835
I IIIT | oc St adsraonnanunsacnersesde cuadaceousenu s 703 TriCounty Investment Company, Inc. .................00e0e e 593
POUR EA Rss sph dense eanetks bases opeNeicsieaLsSwssieeses 703 Troy Financial Corporation ...............s.ceseeceeeeceeseee 283
Roxton Corporation, Employee Stock Ownership Plan .... 523 TREC ORONO oescscddicecicciescseevetecameioban 525
Royal Bank of Canada, Montreal, Quebec, Canada ........ 214 LR, EE sirxexevaresecpceusackescusuuneeemueesh 140, 214, 780
Sie Msi MORN BGS, a5. 50s Sascassevaneavoaaeacessaieess 137 RES, PEt GOIN cc ansncressvessdenestvspauenses 214, 705
Sii e ERIN BURNIITINE COD. cic ccs ccttnccecccccascsateases ¢3 50 UBS AG, Basle, Switzerland ........5..0.ccccecesccessvssecen
NN SEEN 5505 a Siccnndiiesesvsantacsnracienoabers 74 UMB Financial Corporation ......
Sommie Fammriel Services; Tae. «6.6... cvececcecscssewevcceses 778 Union Bankshares Corporation ...
Scripps Financial Corporation ................0s0eeceeeeeees 592 EON OGRA, SING. 5 cen onc uncndcasdsesqustanssvaesensen
Security Bank Holding Company ...................seeeeee: 75 Union National Bancorp, Inc.
Security Bank Holding Company, Employee Stock Union Planters Corporation ............
SMI coccpnccuc era edensereRenadusssussocnea r 75 Union Planters Holding Corporation ...
Security Financial Services Corporation .................05: 837 United Americas Bancshares, Inc.
Shree TCONNER, BNC. oo. ic ck ccs ccscasesses 523, 524 Cite TIN «0 nica n vince ccceusssianssiedarsupetens
ee NIN io 5:05 csenavesnssteursnonvorwesxsseuedin 214 CRIIEIE SIR Foci sescctccanwesescevedededemmecsbeiebas 214
NN UN ID 0.5 icvanneudus soceesrei<hesvenvieeuses 350 United Community Banks, Inc. ..................+++.+. 350, 704
Simmons First National Corporation ................+- 133, 523 Cyne FAROE CO sons sisi nes si cv ewecasisacedstenvabanden 652
SOU NOE MEIN, in iannevcvasescunrqssesunsnviantieverucesys 454, 837 Untied Feat COU, BG. nies ccivesicsevinscnacsanncdesesess 76
Skandinaviska Enskilda Banken, Stockholm, United Security Bancorporation ................sseseseeeseee 213
SINE EE tol dlne swe cankn bore eeteaekawesaeacswinkek ieee University National Bancshares ................sseesceeesees 138
Sea CEN IRE. iisids isc vciccauacieciesimcees BER I, GE. obsicceincde icitnhonusicntecesretshie s 140
Sky Penamcial Group, Eee. ....5..csiccccscecescccs 592, 593, 703 Valley Community Bancshares, Inc. ...............seeeeeees 138
ee IN, ONG i vinewdcnceueeducnchevian ceevisieenes 703 Were FIM IND ooo aint cide cdindacaxiacconsvsinn 75
II INL HEIRS ti cccccecessyebecanbasecesssacccuses 703 Valley NaGaeel COMPORWNOR ccc scssecccsessoscevscanentsee 138
South Alabama Bancorporation, Inc. ..................0000. 592 Valley View: Batrcabiares, G6. 26 ison ccenececcsccswcceesass 838
South Branch Valley Bancorp, Inc. ..................2.+502. 350 Won Girt Pe, BAG... «no. asvsnssesicsacscedseesanseresaney 523
South Georgia Bank Holding Company .................... 212 WEEy CIN |o vo nove ccnasensescacentinsececeasewersaumen 214
Souls Rigiiand Bamcorw, WC. oxi 6..0c0ckssscscssevsssccecees 652 WN SIND i ssnis snchscaseascennsetesiabassetaueenaie 779
South Holland Trust and Savings Bank ..................5. 652 WES TI, Fs: icici cis cts goncieid cipinckonseens 837
South Plains Delaware Financial Corporation .............. 214 Village emcees, GG... .. 2c sc scvinisacesecisdetcouseatan 138
SO PERS FRRMCAGE TE cos ccs vcccnccesccecseccese 138, 214 Violeta Investments, Ltd.
A82 Federal Reserve Bulletin December 1999
Pages Pages
Bank Holding Company Act of 1956—Continued Bank Holding Company Act of 1956— Continued
Applications approved under— Continued Orders issued under— Continued
Virginia Commonwealth Financial Corporation ............ 525 HSBC Holdings, PLC, London, England ................. 582-6
We PRN GOI, BNC. oon cc cecccncccccencnwssecescceses SOP i RMEE \ciaskpknadcnetheeiwasoasnt adeercswne s 577
Wachovia COmpotmtios «ov... cccccccsenccsccscesssssscscccecees 701 I via ctdcduuereaiesinewesanccsseensvenuee . 831
IE iii elanbaccievracerssyesnvessenredebines 705 Istituto Bancario San Paolo di Torino-Istituto Mobiliare
Warren County Bancshares, Inc. .......0.60.00.. c.ce.ee0e e ee 138 Italiano, S.p.A., Turin, Italy ......................... 275-7
Warwick Community Bancorp, Inc. .....6.6.... ..c.e e.eee ee 76 Manufacturers and Traders Trust Company .............. 694-9
Waukesha Bancshares, Inc. .........2....ccccccsscsseccecseee 202 Ge SEY MINED snc iseccseiicsecrsseevevesscvctedes 578
Ee CI TI cidcecniceveccencsscccvesecetesecesae OND Peoples Heritage Financial Group, Inc. .................... 55-8
WB&T Delaware Bancshares .....................eee0000022 213 Piraeus Bank S.A., Athens, Greece ...................... 579-81
RNIN, I ccanwadiewctncccossccseccsecceeseusices SOM ENED ad rived txbnenexsctscecnvuecsiveeseeaes . 66-8
WCB Holding Company of Illinois .....................0065 837 PO MUNIN, os cb vat Seivscduacsvesncenecenssee 59-61
Weatherford Foundation of Red Bay, AL, Inc. ............. 75 RNIN Ride teccawiwsbu duck sciwkieienivewceseese s 59-61
Wells Fargo & Company .................... 71, 138, 140, 213, Royal Bank of Scotland Group, PLC, Edinburgh,
214, 455-6, 592, 593, MINS iubeusvasiidedntnicenatesersecmvaatessso s . 582-6
594, 652, 705, 780, 838 Royal Bank of Scotland, PLC, Edinburgh, Scotland ..... 582-6
CII odacisc dc scsccasciccsicuedesercise 140, 705 Security Delaware Pecos Bancshares, Inc. .. aaa , 640
Westdeutsche Landesbank, Girozentrale. Duesseldorf, Securty Pecos Bancshares, Inc. .................ccsccenesess 640
Federal Republic of Germany .................... 351, 653 Stockman Financial Corporation ............................ 641
NIN deneduvasubbsduukshecheeceidndcentdiwaresens 138 Sulphur Springs Bancshares, Inc. ....................220005. 126
Western Commerce Bank, Stock Bonus Plan and Trust Sulphur Springs Delaware Financial Corporation .......... 126
EE Wap iniehaiwantienbiseetesecwisccvencadniedeeue 704 Sumitomo Bank, Limited, Osaka, Japan .................... 644
Western Reserve Bancorp, Inc. ..............ccceeeeeeneeees 75 I acidic bwansntnnvcises nciagstsadninrnsese s 582-6
Western Sierra BamcOrp .......ccccccssccsccccccccscencsevses 138 Sun Community Bancorp, Limited .......................... 521
Western State Agency, Inc. ..........00..cccccccccscsecesenee 653 NN NS DES asic scasaccvcosevcsssccecsvacesicecscs DELS
Wewahitchka State Bank, Employee Stock Susquehanna Bancshares, Inc. ...............6...00..00e0e e 614
IP INIIND xigncuiscccedshackivesccuassnncnanebaasde 704 Texas Regional Bancshares, Inc. .......................- 683-5
I ab ctahbddtvarmseecdekseeocecdinesstucs 349, 351, 650 I IEE San daa wred cekicds iec esccteeveaseanswe .... 683-5
Woodlands Bancorp, Inc. ..............c0eceeeeeeeeeeeeeeeeee 213 Union Planters Corporation .................. ivshawctoes, aT
Wrightsville Bancshares, Inc. .............0.0.ceceeeeeeeeeee 282 Union Planters Holding Corporation ...................... 205-7
ZIONS BOMCOTPOTMHIOR 2.2.2.6. 6c cscccccccsscccccseseseess 133, 701 Valley View Bancshares, Inc. ..............cecsscescscccceees 64
Orders issued under Wachovia Corporation ....................cseeeeee 271-5, 340-3
AmSouth Bancorporation ...............000ecceeeere eeue s 685-93 ME TINUED ccncseienectcccdvesccduccvaccccceseces 271-5
PMID, Sccrsnscercextsaserintccsxexscacisvesess 439-41 Bank Holding Company Supervision Manual ............... 112, 568
NN IIOUD, vosiecagheacdneiiscasceradtensccvrsstseaes 269-71 Bank Merger Act
Banco Popular de Puerto Rico ..............2.0.00.2.0. ee 59-61 Applications approved under
Banco Popular, New York ..............660.ccccceeeeeeeees 59-61 PIE SOUR irc vnciciccrovsvaveisonncccsaseaesvacee 23 52
Banco Santander, S.A., Madrid, Spain .................... 4414 Anadarko Bank and Trust Co. ....................00eeeeeee. 2U5
Bamc West Corporations ..... 0... cccccccccccscccscscsessccese 271-5 EE dockconistamteksd sueri debniveedsdereiesmneaknon s 141
NE acre tiitiieenduyandontssdiewsssacnnsescverserieney 693 IR ac bond t0d abs News demsosaeve ceeceasheus 141
Bank of New York Company, Inc. ........................ 582-6 IED Neaxsicbitnstivsesdtncalaswsawivercacnsssteuessd 352
BankAmerica Corporation ...........0.06...cccceeeeeeees 271-5 - Re racoduindvs'aushavsoiseoerksecenaseouwese> 653
BankBoston Corporation ...................022005 582-6, 747-72 IEE ihc clockn p aeneacckence«saconeucdbinnesnisaiunte ae
Bay Port Financial Corporation .......................0.00- 333-5 IE insinlsSrndectectinhincktracnsvoskeseudnsescane: OO
IE a5 6 dincnnvestcaccsvnsvescsseeévsutersese 271-5 I x oes dw seceeecs ckteuksneenedseesteuasece 141
BOK Financial Corporation ..................c00eeeeeeeees OS-9 RE SI NN oe cvestccaunsonsvaveenssannacteoesnecs SOO
BOKF Merger Corporation, Number Seven .............. 505-9 PE acctccskaberacbin conuncdnendsdasbkececce<wegueed 77
Bremer Financial Corporation ......................0000ee00s 578 Chtemacal Bank, Bay Agen. ...............ccccccssercocsvecces 594
EE ecaceCakghsinebsyndrekarnedeveohvesvnastsesckaves Se Chickasha Bank & Trust Company .......................5. 141
SN eile sada cetkescunsnescacsenseadssenscondns 51 I ad aaivrdennyecnitesesecdevihcaucernkevedixs 706
Canadian Imperial Bank of Commerce, Toronto, Citizens Bank & Trust Company ...................... 352, 781
EN adiietbicivaucesusaienaacadieaucdenessaunrnneste 733-6 Citizens Banking Company ......................0eeeeeeeees 77
CN NN Be asc icicccccsncvenisersorcccesesvanenes 52 Clear Lake Bank and Trust Company ....... pcalcninadadaee 706
Chase Manhattan Corporation ............................ 582-6 Community First Bank & Trust ..............0....000.20005. 594
Chittenden Corporation ..............000cccceeceeeeeeees 499-505 IN Ee Ninisuach mca puibakesassaciescddvccinksaers s . 653
CIBC Delaware Holdings ..................cccceeeeneeeees 733-6 NI is Ses Sama Sna<ssediusous tonaseiebhasbaauses 781
CIBC World Markets Corporation, Toronto, Canada .... 733-6 il cries tiente take sinsceratavancncencerectiekdao n See
CIBC World Markets Inc., Toronto, Canada ............. 733-6 Ete State am ois nese ce sec sccncsccecseccvesaces 706
Citizens Financial Group, Inc. ................0..200.242++ 582-6 F&M Bank-lowa Comtral ...............ccsscscccccecscsececs 594
City Holding Company ....................cccceeeeeeeeeeeee SBS F&M Bank-Northern Virginia .............................. 283
Comerica Incorporated ...............sccesccsecccscccesees SB2—O i a ee 653
Commerzbank AG, Frankfurt am Main, Federal Farmers & Merchants Bank ..................00.cceeeeeeeeee i4]
Republic of Germany ...................0.2.0000e22+. 336-8 Farmers Bank of Maryland ......................000.000000e: 456
Community Capital Bancshares, Inc. ..................... 444-6 SNE Ras hnathetcadumanckneass cbinvsasvscdanraerwewesen: Oe
Cooper Life Sciences, Inc. .............scccccscscccecscccess 125 Fifth Third Bank, Kentucky, Inc. ....................000000. 706
Dai-Ichi Kangyo Bank, Limited, Tokyo, Japan ............. 736 I eles anda chesdcemnesues dcarnerdssiwsenepebaes 595
Deutsche Bank, AG, Frankfurt am Main, Germany .... 509-18 PUN PRINT Sin dion atcn rcicnesccsccsicssusvsntevavens 706
First Banks America, Inc. ................:.cceeceeeeeeeeeees 268 First American Bank and Trust Company ............. 215, 595
Pe. wincckbbepcssncecocacnnirewseosienscduncavead 268 First Community Bank .................00eeeseeeeeeeeeeeeees 352
First Security Corporation .................00.0ceeeeeeeee 207-10 WOME PUNT RII oe ncn cs cciicnsccicestaceseeverenss 456, 706
First Union Corporation .......................0005 271-5, 582-6 First Liberty Ban& kTru st ....................eeeeeeeeeeeees 283
Firstar Corporation ...........00.ccccceeeeeeeeeeeeeeuees . 738-47 First Security Baonf Nkeva da .............................. 525
FirstMerit Corporation ................00.cccceeeeeeeeeees 128-31 First Security Corporation ...............000ceeeeeeeeee eeeee e 525
Fleet Financial Group, Inc. ...................... 582-6, 747-72 Pe NIN cise Sritidescevaddasnnsssneveceestuscancian OES
Fuji Bank, Limited, Tokyo, Japan ................. 338-40, 643 First Virginia Bank of Tidewater .........................5. 595
Greater American Finance Group, Inc. ..................... 125 First Virginia Bank-Southwest .............................. 283
HSBC Americas, Inc. ............-.scccsccsccesecccecceees SO2-0 Fort Madison Bank & Trust Co. ...............000.0c00ee0e e 706
HSBC Holdings, BV, Amsterdam, The Netherlands ..... 582-6 lowa State Bank 595
Index to Volume 85 A83
Pages Pages
Bank Merger Act-——Continued Board of Governors— Continued
oe approved under— Continued Staff changes— Continued
— Acquisition Bank, Inc. 653 COON, ENN IAS yes 0ccine canis skndasea choneeperereraees 636
Laurel Bank ...... 595 CPOE, RIE TN, sviccosvocccecacasenavsedeeapeeeteeee 425
Lemay Bank and Trust C ompany 595 POON, SiN Bes ORs cinavscccus covevedcasbereseeyeatnate 492
Main Street Bank 706 PI NEE. siiws abit ewedin seGaneehinecweneneebies 636
Manufacturers and Traders rust Cco mpata ny 283 ARIE TRMMOY Be sows vacavsee ebacaksaewtee aeene 113
Marine Midland Bank 141 PERE, WOME Bis 255 66S i:cnins wend bona cdeacaue CAPLE RA DIOSEEI 636
NINE itv antvesecavctsusivasschevcssas 526 EON WONT 5.50003 5552xcucccensvccunvveeepteuaaxes 331, 673
Mobile County Bank 215 Howard, David H. beidecccunahieaneeTeraeeween a 636
Northwestern Bank Lonsaseaaerseeucnee ies . 456 Jones, David S i450 + RdSES SETEER OS See 113
Ohio Bank ........ ree epee Aa Mee Rte 141, 781 MINA, TORO RG iso .c'uics ive canvitensuegeea, pence Gers binsbaeene 636
Ossian State Bank 595 RG SERINE ©b vnk.ol sou wicacchsuueuavesereneteubeneabioceenae 569
People First Bank ........ : 215 PN, WOON Ths. Sasccsssersnastsenentncasvensseeneeerele 673
Peoples Bank and Trust (€ ompany ‘of Lincoln C ounty ... 77 Riggs, Betsy vik dines dmvet tee 425
Pinnacle Bank ............ yas cdgosinnha toi thise Ce ee a Robinson, Donald | L600.pe eusdeomenneionsnbiyieRane 63
Pinnacle Bank-Torrington 352 Roseman, Louise L. : on cantwteeeaa tienaga 492
Pinnacle Bank of Cheyenne 352 Stehm, Jeff .. cer iaeon ah A expwrecsaeeeeken 113
-leasants County Bank one 7 PIES Mie. sa.covvsiaucyouidemebstcuedenepeeaebieen 425
Premier Bank dyanws ainda ee Tryon, Ralph W rannnsecweyeibunde sabe eewers isca ee
Pullman Bank and Trust C ompany pues . 595, 706 WeiS RR een eee een eee ene oe Se Oona 569
Republic Security Bank ... caetieveinaTetess TT, 5395 Statements and testimony (Sec Statements (including
Salin Bank and Trust ‘nine sceassienkes ; .. 141 reports and letters))
ee ee . Sant aiaspdeneaens kev Peete Thrift Institutions Advisory Council, new members .......... 109
Southern California Bz ink spend dabeeedsbateecen 215 Web site, new design iia adbhuedo enone ten eee 424
Southern Financial Bank 781 Bomfim, Antulio N., article ...........scssseccesesseceesess . 369-95
Southwest Georgia Bank a; NIE: SONNE: UMNO i655 cece vs cxcuncsssaesbinteeduneustek 178-83
EI rita patemeos tina ona ase uks deennene 526 ERCINE SEES PONMICRNND 25 5.4.5v 0:0:0s udvesesabaskeenegniereeneine 806
U.S. Bank ; 215 SN, RARE WH. BERNONE 5c os5 s 5couacus voxecocnerancpaucbas 81-102
Union Bank & Trust C omp. ny 215 eee ERR Re PPE pS Kote rmm soeee a Cea) 549
Union Colony Bank 838 Buckley, Kenneth D.
Valley Independent Bank penksddeknasenea’ seca Se \ppointed Assistant Director, Division of Reserve Bank
WestStar Bank ...... By ote ree a DARE A AS rere se Operations and Payment Systems ..................ceee0: 113
Orders issued under Statement De ee EE Ie OMe eee eee © eA 413-5
PIES ieicwiccaa Suvevcktetaaicntue ussesetatiinede’ 343-6 Business Access to hon fa and Credit, conference ...........++. 672
CAME Ad cganr nics Snenswevsscsatnussiuaccieas pee 645-7 SS: SORE ses sciceaannagesncx sings ree iNGA DAR keeUNeeE . 370
Poteau State Bank ...... [sid oheeeve Meee Business sector, economic developments jade eee tse enmeeaeat 155-8
United Bank of Philadelphia 773-6 BGURCRA, TIRWNY GOE oios ioncedeviessseeaneincagaersbveasnte s 804
Westdeutsche ImmobilienBank. Mainz, Germany .......... 346
Bank Secrecy Act and money laundering, statement .......... 415-9 EE, PONE is DOD, oinncciceescceavcendvaspnanunnereenee 81-102
Bank supervision, Year 2000 readiness ............ 406 Call Report and H.R. 1585 sie Sa peke-s weeeeee nevnsene e 483
Banking organizations Canner, Glenn B.., articles Ju cecbhe ehecbeawennns 81-102, 709-23
Ls eae cis mib as inaeheNaeanesmeienintgeen s 110 SCI NY WINER Boca os wnc cnineaneniss sen pyirncce iiRSeea EEE aA...
intercompany tax allocations ...................... 111 Capital
RIN tite orthc icanandccncecawaetients hance Accounts, U.S. 5 eiaeds Seaneeaee peecch iene eaeeeeeiee 540
NN IIE a fniinasccnecccensunkvancorsenesmrsyiee 566, 632 Commercial banks ... Te re Seoerean
Banking practices, lower-income families, article ............ 459-73 Flows, US: ..25...: Breen ... 297
RN NINN Ss dees <caSeaessaxsecacisuercdevasescetaunel 466 Capital adequacy, new paper - by Basel Committee ....... . 566, 632
Bankruptcy Reform Act of 1999 .............cccsesscsereees 310-2 CERI, TIPO sn ton bosch tenn endtsan ncaa ixavesey MRD
Basel Committee on Banking Supervision Century Date Change Special1 iquidity Facility eee 491, 632
Ge NII cerewcrnigacynascauxenevcrnece 611, 613, 635 Chairmen and deputy chairmen, Federal Reserve Banks,
SOU RES COENINO sina vceesviacexssnsnsesccust<ieven 466 MUI 5. ic sisi s2d<saccupéasacedensemewerTeeatedaen 727
Basle Committee on Banking Supervision Check
(See also Basel) ......0.000005 aucinswaseccins Oy Sam Gay Oe GG SEER BEE oo csvin i xsienindanadeapatasanceens . 464-6
OMG, COMIOE Gi.) SOMONE ook sccccsscesaceredccesxs paca we 655-66 Collection siahesne’ ; 111, 256, 329, 333, 632, 817, 830
Bids, competitive and noncompetitive .............. .. 787, 788 OUOUE dcisnci sus ineusscsaeyesonentawwssauSnheeuihoanne s 109, 111
Board of Governors (See also Federal Reserve System) Checking accounts, use of f by lower-income families ......... 461-3
Consumer Advisory Council COCA TONNE OR SIGE ii avis is ivcncssssaciecnseerencrueseeeueny 799
PUNE io sscc shaseriohowncxeccesananan nner 328, 490, 729 China, economic developments sc ro ernie een ED
ee MUI Hae st avai vadpenadaaahenvantiineaeBraeee 193-5 Clark, Tillena G., appointed Assistant ‘Director,
Federal Reserve Bulletin, discontinued tables ......./........ 112 Division of Information —e iigunebansnesesReeeeee e 425
Final enforcement orders and decisions (See Litigation, CTCGEING AITAA QMS. ... 005 ss crcccescencarresenssavevesresnnns . 805
Final enforcements) Closeout, contractual agreements ................seeeeeeeeess 311, 323
Index of orders and actions taken ....... .... 10, 277-9, 451, 699 Collateral
Information Resources Management, Division of, Contractual agreements .................. p¢ay as be kanes Seeerhes 311
WU IE rc cdienncbinivnatuavacancandcauebnstesisdaass 25 Federal Reserve notes .............2:eceeseeeeees vous ntiougien ae
International Finance, Division of, reorganization ............ 331 Commercial and industrial loans .............sceeeceeeeeuees 372, 383
Members Commercial banks
Ferguson, Roger W., Ji., appointed Vice Chairman ........ 727 Balance shock Gevelopments ce... ioc cesisvesseeeecsssisvaumabs 370
Ferguson, Roger W., Jr., nomination ...................00005 670 een Er ae eens Repi nrr ren ip Ter eper erry es San 2 fer 376
ERS BOE Ex Geeiis shan Uekanedcte sen saseeieweawedee’ 597, 783 Developments of ..... bd eleigcna Dulaloweehneev aseennaveeRe 369-95
Rivlin, Vice Chair, Alice M., resignation ................... 565 Interest income and expense Sisiewsieesagueateanie eee 376
Retirement Portability Act, statement ................. 252-5 RG IIOOE 50 55.55 ceec enstestiesmenaeenns 384
Staff changes FE COTES RE PE OeT TTT Er Cee ee 376
PI ie co eh aees hey ccwnseclinataeekeacirs iTayis en 331 Noninterest income and expenses ..............0..eeeeeee 380, 381
PIT BIN Be 5a vss occ sevarresscacventes shave Sake bow Commodity Exchange Act, statement ...............0000055 484-7
PRON TIEN Bs as ca eisai eed cacenee nenlenenegomsvseues 331 Community development web site .............cceeceeeeeeeeeeees 818
EE icc diac ccvsianapaanvnnsna exewsowakuwers 113 Community Reinvestment Act of 1977 ..............seeeeeeee 81-102
SO UNM airy saienanecsecs ccadtenece nnicacenueersessn s 425 Conference Report, H.R. 3150, statement .. 322-5
A84__s Federal Reserve Bulletin December 1999
Pages
Connors, Thomas A., promoted to Deputy Associate Farnsworth, Clyde H., Jr., Director, Division of Reserve Bank
Director, Division of International Finance Operations and Payment Systems, retirement ............. 492
Consolidation, effects on mortgage lending .................. 81-102 Federal Employees Retirement System (FERS) ................. 252
Construction loans, regulation on risk-based capital ............. 328 Federal fonds rate ........ccccsescccccsccecs 4, 229-32, 565, 670, 817
Consumer Advisory Council ey IIL WIND ais ceives ns sccessscdbessvensdscsdence 537
RII Sk beydraveesorarensnedtondsincesaierscicisees Gap ay tee Federal Open Market Committee
INN bahalindtswebsilconskarncusnttacdirethiscakdioates 193-5 RIED thd treat chia waanuenvese sinncei kiden nceninaceeadcus ts 565, 670
PUNIUEIIIIE sccctnsingcscensncscccacacncosesseseesaceak 566 Mv rihablvnshleuswunksaethasasas avasoalbaneoneaxe 46
Consumer Handbook on Adjustable-Rate Mortgages ............ 491 Ni etidc as Vaicaeahadaneheccccdncchekaxstecdcndisieteckans 817
Consumer Leasing (Reg. M) ............-..- 111, 328, 671, 672, 817 Ee CES eee OEE,
Consumer protection, credit, ATM, and debit cards ............. 324 Domestic open market operations, authorization ... 2
CI CIO occndnciassnanenaiiccencevecnexcerensccccsicess SOO PONGNGR GCUIPERCY GIIOCEIVE 2.00... cc cccccscsvcsecccccsscncccsees 429
Counterparty credit risk-management systems .................+- 195 Foreign currency operations, authorization
Credit Meeting minutes
Availability to lower-income families .......................4. 466 EN cainantiitwckahadiaacesndcanieduinnyndwaduwheak 40-7
SidstuxciuckGhinh Sudicbsawersvepesuyuscsuus\icsscaaepe ee Nov. 17, 1998 inidbubanans ax eancbanityaacaae ipeenUac 115-23
CRED: ciseubiesscsercsesans suscetsncvatonnea quaint 728 I grass et oukneurp awe sa sieineenbenascenssh 197-203
I cadisdinivchebcieabiapeanesevcrevrnestscadesiesiuetens 49 th tart cscrcsasueenbeevaan ecveseutysna s 426-36
Risk, guidance by Basel Committee ..................0.0.0.0 0 635 I ed ig einai cae aidkatat be uakana waacusaeen el 570-5
Credit Risk Mode'ling: Current Practices and Applications, IIIS odo escctnaicauwsnicchnevestockiihisvue s 674-81
paper released by Basle Committee ....................2.05: 424 a otnskGatanceeeaeshbawntigenudabcevasece 820-7
Credit unions, Year 2000 readiness ...........6.00. cc.ce.ee.ee.es 412 Se I NOONE oo os vives icc ccecsicceveceswssnscavdvesecs 218
CUSVORCY SIFEMQCMCMES ... 2.26. cece ecesscreccccescessens 122, 311, 322 NY iE racebvnnheesedineatacLivasakeennessasvensus 490
Subcommittee established ...............c.c.cc .ee.ee.e.enceecee 827
DEBIT CARDS, CONSUMER PROTECTION ................. 324 Federal Reserve Banks
Debt Collection Improvement Act of 1996 .... ...........00005: 468 Chairmen and Deputy Chairmen, appointments ............... 727
SEE EEE, rare tendtssinn ss oianak rbeatLeciinedcbcevadecisoriacntauhs 169 IID cibenvcaudeniwnscivesideckstebinnwececowads 109, 111
Demand deposits, interest on under H.R. 1585 .................. 480 IEE, cet ihsaa cae akicasopevecsastsncscauauconaie 235 5-67
Deposit-soporting schedule ............cccncscccesesecescceeecsees 633 PMN CU GW WU GIRE ons cccceciesedasccncceveccedecseaces 818
Depository Institution Regulatory Streamlining Act of 1999, IE blade cevashcdusinercursntidcesspencsentveves 196
Re MO IS cnexsencanctaxevereesctxsaccosecsess 479-84 Federal Reserve Board Retirement Portability Act,
Depository institutions i a en ee EE mR «A
RN la cir uicdeawastdee wubdnansawaeavnenaes 411, 671
I NI cos ee sncecsccenecsxesesecoresosencseyes 633
SON ME NOUN io ciicieccidewrscsscercasssderentsreses 37, 313
Deposit-reporting schedule ............c.cc.e e.ec.ee.e 0ee0ee0 e es 633
Fees for Federal Reserve services to depository institutions .... 37
Disclosures on e-mail accountS .....660..... cc. ec.e e.ee e.ee eee 671
Ferguson, Governor Roger W., Jr., nomination and
Fees charged by Federal Reserve Banks .................0006- 37
appointment, Vice Chairman, Board of Governors
Home mortgage disclosure requirements ................. 110, 125 of the Federal Reserve System ...................00000: 670, 727
Loan losses, joint statement ................0cccceeceeeeeeeenees 38 FFIEC, Year 2000 Contingency Planning Working Group ...... 409
Reporting reQuiveMeMts 2.2.2.2... ccccecccescccsecescccseceres 110 iach bab ven wad caveascanquaadsvtetsidasiciesiocneieswenes 534, 536
IO seras icnsccdesenatccncachenesnetsrcurnansnnteie 38 Financial
Derivatives activities ..............0.... 106-8, 110, 485-7, 608, 79 NOY accu ates Vac bakes cteekuaeceen«eswudesucanonmaas 4-12, 165-9
Directors, Federal Reserve Banks and Branches ............. 355-67 LEN, duddeniiidshscceiaraekhikesiAdah aivensesnenaueken 311, 323
Disclosure requirements, Regulation Z ................0...e0eeeee 109 ee I ts cunatdancbbasoeascelcatubbabiedenteh 624-6
Discount rate, regulation .....6.6.6.. cec.e c.ec.e. eee 37, 639, 670 Ry MII oo inne icncnescnsccessccensvaeces 240-3, 250-2
Discount Rates of Foreign Centra! Banks, Financial Contract Provision, H.R. 833, statement ............ 310-2
ND WII hice bekcs cats cnacesscveecstcssenonaceseces 112 Financial Management Service (FMS) ...................00000005 414
Dupont, Dominique, article .........00.00.. .cc.ee.ee.e e.ee es 785-806 Financial Services Education Coalition .......................... 469
Financial Services Information Sharing ......................004. 728
ECONOMIC develepments, by sector INET MN MUMINIED joc S ic nnasveccensnevatwiansassashweneniace 24
IN stadt Gabeds «dad bap Sie Vears sse en sakerssswnskeaaaas . 155-8, 535 Fister, Peter R., atficdes: «noasse.s cre.cesc.ceces ess 178-83, 217-35
IIIS |2 5656 n<neveccentisnavscensans eosccneuennele 165-9 396-400, 616-20, 808-13
NE Ti oncacnincdennhaseienienestaeuechusewencece 160-2, 539 Fleet Financial Group, Inc., public meeting ..................... 567
SED whickinscs dhtveniwedceds aenkvceerseviunes dit 158-60, 537-9 Flow of funds accounts, supplementary tables ................... 256
NE dnciva caxnta on bibsdevickes tian xavtévasesnvbans s 153-5, 533 Foreign
INE 5 Scavxesssnssausencecebsanwinchivaertsened 162, 540-2 EE, RRM OOM ae cscdesnsacseevesesesceneacuhs 609, 611, 817
aah titpleei<xduubsnabinnevchewsiiuinedicuteese 163-5, 542-4 MOE raxtccseknaderceteadnens.ctersddecd 600, 603, 614, 615
Economy, U.S. NE Si thdees aber didn Tater ene <4uleUnxhalerrieeas tahee s 601
PIN onecntaencan sxindduaroesenaueshinds 1-19, 243-50 Sector, economic developments .................. . 160-2, 549-52
Performance, monetary policy reports .. 147-77, 529-52, 626-31 Stocks, list of marginable, availability ........................ 257
IN chinb ubictedeh«obdddtetneteciiniiutcecsisy 187-9, 626-31 PINE aireu r dian 3 tennadetesbiawbilarntasvaesungaecesearinv 604
IID ox nictnknebatouindcrpestaasdesssccisrncoiaeete 601, 605 Foreign exchange, Treasury and Federal Reserv
NE CP erie on edhadicutcawinstcitbwaatds eeswenceaordodtedeenkasdh 469 MTEONE, TUEOTOE oo. oisincsesccsssccsecsen 178-83, 396100,
Electronic benefit transfers and payments .................... 459-73 616-20, 808-13
Electronic Fund Transfers (Reg. E) .................0220000: 671, 817 Foreign Short-Term Interest Rates, discontinued table .......... 112
III ic ditenadbaiaeicnniecscvendenesedes saivescnaKciss 806 Foreign transactions in 1999, article ....................00000e 287-99
Emerson, Marianne M., appointed Deputy Director, MN -sicavetasnchidvaendicidbanacevaseisvlercendaionees ey
Division of Information Technology ..................0..06 425 ee eee cn aneatadintberesssakinealSncadrakacesienn’’ 805
Enforcement actions (See Litigation, Final enforcement Freeman, Richard T., promoted to Assistant Director,
orders issued by Board of Governors) Division of International Finance .......................... 636
Equal Credit Opportunity (Reg. B) . ...................2004- 671, 817 Frontier Bank of Laramie County .............0..0.000 .e.e ee 39, 80
I PC acacudactneihcaeisencaiccsadbbeversckevussesnenbauen 168
Gaited Tania delanneh Abi pentnndekiunaganaddeencenendsanc k 290 GELBERT, Chenrbes, aticde onc ccscccccsccccccccccccessvcsscnvess 20-33
European Central Bank ................0ccccceceeeeeneeeeseeeeees 656 Government sector, economic developments
SN i incdehiathbd siti nandaceckbnceacietsciasenseswda d 656, 657 Government Securities Clearing Corporation
Event Management Plan, Year 2000 .................0...2000eee s 405 Government-sponsored enterprises ............ce6c0e 6e.ee .ee.e ee 805
II ind steteswcdidebSrtyssecvendieerabuieeadecuticeeshharsnt Gee Gramlich, Governor Edward M., statements
Conference Report on H.R. 3150
MND Sainsicscgarcnspeduuenscobedelicorairnrsibaasaceeveses 805 Customer financial privacy .................ccceeeseeeeeeeees 624-6
Index to Volume 85 A85
Pages Pages
Gramlich, Governor Edward M., statements— Continued International Banking Act of 1978—Continued
EE CI MINI osca iid voce arancwcsusdoapa<xns ustaacnadrs s 239 Orders issued under— Continued
Greenspan, Chairman Alan, statements Deutsche VerkehrsBank AG, Frankfurt am Main,
PURONGINE CODE eis cvxenesscaceesssssensatnecssn Day Oe SRS 55+ 4 95 rice encankpopaaebeduehneuak ucezdass 588
Monetary policy, semiannual report ............ 243-50, 626-31 ING Bank, N.V., Amsterdam, The Netherlands ............ 448
SOCKStary TAM, VOSMTAMIOM noose ceccccceccsncdeccseaaceceaes 490 KBC Bank N.V., Brussels, Belgium ..................eee00. 834
I SUNN a cpcctna day pana siask tncesAuaepeneeaieen s 190-2, 303-6 PRO, FG, ROI. iecns scents p coacesucavetgasedaneneee 449-5]
Technolegy, effects on financial system International banking facilities (IBFs) ...................08. 602, 606
(Board of Governors) ..............065. 325-7, 556-8, 5614 International Banking Operations (Reg. K) ..............0seee0e: 829
Telecommunications technologies ..................0eeeeeee: 487-9 International Finance, Division of, reorganization ............... 331
Ae IIE ic contain ants 0a 95.k 0k ek econ en ears eeweunaness 187-9 IINIINUD 65 .c6 cas etedicns Seacbccsaewevedesmensuaesetiaes 534, 535, 536
Guangdong International Trust and Investment Corporation .... 550 MORGUE, CUVOL, SINTON i oésicii:5 isacs cckwtseine geeencuadeeaee a 310-2
POI, DUE Es ME sins sacc canecadcsanituabeestuuceeuneaee 655-66
H.R. bills
PR ca aces tiastnns sack shaeaaabe eaw aaenn 240-3, 419-23 JAPAN, economic developments ...............seececeeseses 290, 550
REE Aa egal haa anle wae sauna vanes <assuxabeantenisenweceeecacniee 413 SORE. TORE AID CORE vce ssccsscsasnccnt<tnactevercatsusassenes 410
NEES SiMe Soweto 2 SP SE yee A A 310-2 Jones, David S., change in title to Senior Adviser,
Deskin ci beciacuandasaecsehedean swaercsaadaseeesnsctnaisie s 411 Division of Research and Statistics .................ceeesee: 113
Ren IIR. 5. alsledcahcudcbcs cnescaueGeeateeasasse 479-84
Pe I 5-5 raw enentncosdpcaekndws adkeeyl aikayse.et l 322-5 KAMIN, Steven B., promoted to Assistant Director,
Hambley, Winthrop P., promoted to Deputy Congressional Division of International Finance ................0.ceeeeeees 636
Liaison, Office of Board Members ................2.000c000- 113 PINE, SAINI 5 5:55.05. bcnesecincenssedcananesdevicectesiene 112, 145
Hedge funds Kelley, Governor Edward W., Jr., statements
NN Fa ohana bab ocn nd ednacakaaenea oncneeens taanelou s 795 Federal Reserve Board Retirement Portability Act ......... 252-5
Year 2000, financial readiness ..........scccscrvecsccseseces 404-13
306-9, 312-8, 318-21 RC PCIOGAIEE SEI, TIO isis sini ov acne ceivnes seusabunuwissodewinendee |
Helkie, William L., promoted to Assistant Director, Keys to Vehicle Leasing, Spanish version ................0+ee000 672
Division of International Finance .....................0000. 636 Know Your Customer, programs and proposed rule ... 111, 309, 328
Helping People in Your Community Understand Basic Korea, CCOROEIIC GOVELOPENGING 6.65 cicccsessscasscectensevesees SOO
Financial Services, resource guide ..................eeeeeeee 469
Highly leveraged institutions ...................... ... 306, 319, 321 LABOR markets, economic developments ............... 162, 540-4
SN: SII IED screeds inn ccisccasicsnecsassnehwnweaes 217-35 Lgeieerais. CARGO SOUND 5x5. 5o55sa8una3 sw0exencSuccdasnwn ed 709-23
PROBOTGN, FORMS DH BIICNS vecivcsccekccccasssssccveccerosese 459-73 COGIC, SER OIN Bi CITING asian sc cscnssversvesaccbecaseoueen 808-13
Home Mortgage Disclosure (Reg. C) ..............ceeeeceeeeeees 125 Bee ee 376
Hong Kong, economic developments ...................00000++- 550 EMRIMERY, TYCRETY GOCUIUIGS 00.5 5s scadcnsnnsserssecsscceccennbons 795
Hooper, Peter Ili, Deputy Director, Division of Litigation
International Finance, resignation .................0eeeeeen s 673 Final enforcement orders and decisions issued
EE, RN TE, MN veveis cas <nansanvuses adccéupoeanvenaee s 599-615 by Board of Governors
PI IIE oss cp ncsrcacdcsisdcdinneateeerss 153-5, 374, 534 AGawsville HOMCSNNCS, TAC. oo. 5505 sccescossenavuenceteseess 112
Howard, David H., promoted to Deputy Director, BE, SOE FOOD hans ins vsessatshinensasieecnceweretetan 216
Division of International Finance ...................e0eeeeee 636 RCI ria a xno scccnancns atkeedtavarcusasbeneee 672, 707
B.O.T. Corporation, N.V., Curacao,
EMIPORTS Od CRIOTS oocicccicsccccsccvensuasosecvees 29) Sie Sao PHCCRCEEOINES AMIS 6.6. ccinsavesacessecesescces 491, 527
Income and expenses Banco Atlantico, S.A., Barcelona, Spain .............. 567, 596
COMMMOTCIAD DOMER, BODENS. 2... ccrscvccserscsvesisceceesves'e 386-95 Banco Popular de Puerto Rico ...............seseeeeees 568, 596
Pe MINE INE 05555054 Sa urnnaaceecnsexancisyvatwaceaie 196 Banco Popular del Ecuador, $.A., Quito, Ecuador .... 568, 596
RUIN icy cucantdenonsabciisn sncetiaerWinpasnenxs pee an eee hie 296 PEE SE UND 5555 050s 0r ci nrmaneiianesctenxucnsagmeneae 707
Industrial production and capacity utilization SMR: SHEER Sie os0ss nsccnctasebiateneipeGusiervene d 731, 840
PE isos tas DB xhicig recep va pacssyeeceugi see aes esl aNaReeie nee 20-33 RU TIN 5 acn.cis.5issv's gunacennkVseacakoRa cadewn 672
SO isvikcacesnccasniutecaneneves 34-36, 103-5, 184-6, 236-8, CRM, FOTIIED ovo nsec ccnsnes seas uasuedasceeeedene 731, 840
300-2, 401-3, 474-6, 553-5, CIE TID oo ka cdsicnsaccstneperedsekoxavroan 112, 142-5
621-3, 667-9, 724-6, 814-6 Community Capital Corporation .................. 567, 596, 672
I isis sire fais dpa nc aes cw bioi ran en dandaddaeneaaieue 26-33 Edwards, Jeremy, Richard, and Vivian ................ 731, 840
SRO ONIN SOCUINIES aici cinc ces cassis csvncsereveseneses 800-3 CRINGE SS FUP: boinc asreccssaciwersasnsnneseruaaniate 78
Information Resources Management, Division of, PE I 53.555 Suc noeunsncnesaaeamieensansr 654, 672, 707
I INE osc oc pincers sd tes cbapnhawcannueiexcesnecscankians 425 Farmers and Merchants Bank
Information technology, financial system ...................++. 556-8 Pte TOOEe ANNI 65.5202 <cncdeianvasaeenessacisewresecerne
Information Technology, new name for IRM Division .......... 425 iret Donley BERGCHRES BOOVIOOR. ii dicccccesesvcesccacecaasaveun
SSCICOMNDGI SOK GIOCIOEE 5.60655 0scccscinsscccstncseoesesnves 111 Fonkenell, Guillaume Henri Andrew
Enserest INCOME ANA CAPOMNES ...... 22.60 cc0cresseecereeserene 376, 480 Foxdale Bancorp, Inc. ....
Interest rates ; Foxdale Bank
Commmeersel HOORR GROINE oi. s ccc csicsendscisdrccssesesvacens 386-95 Frontier Bank of Laramie County ................eeseeeee 39, 80
CAOOMIGUNES PPORIOIIOE, ince 05s scinwesedeescesesecsneveces 165-8 RG SI shan uhcnsces censewesxenseseadcveiuenenes 636, 654
Internal Revenue Service, Original Issue Discount rule ......... 788 Grimes County Capital Corporation e . 636, 654
International PER BIO, SORIIOS »o .c6 :5i sn cs cnncnineeossoeciecevieesnetenes 284-6
III oo rina dat: cca denas vag eeeeeasaaaainea 600 Pied, Fes FARRI niin ciscssannsscancaneccceenacss ... 286, 330
Developments, monetary policy ..................4. 173-7, 549-52 Incus Co., Ltd., Tortola, British Virgin Islands .......... 284-6
Operations, commercial Banks .... ..........c0sscescercesscenss 384 ORI, TIE sic vninccnc3sderesenaserpaearsaitn 112, 145
International activities of U.S. banks and in U.S. banking ACN, TGCS FORO: occ wascssasssatorcavevanssarwents 636, 654
II I dca escecscensney cverannsscakieasseteis 599-615 Laredo National Bancshares ..............ssssseesesceeses 284-6
International Banking Act of 1978 Rit, SOMNIIE ss es uhca Fawn veeecssenesaanenecementneien 636, 654
Orders issued under DERCOME, Sa BON LAND 4 in.5...crvcexaixivncesesens . 731, 840
Anglo Irish Bank Corporation plc, Dublin, Ireland ........ 587 Ratan: PHORIGT TORTIE oon ein. onsicehaessccocncenndheeaeeee 707
Antwerpse Diamantbank N.V., Antwerp, Belgium ......... 832 IE ONIN codecs isii-cs5 vctaancbectuecesweneaess 80, 111, 145
Banco BBA-Creditanstalt, $.A., Sao Paulo, Brazil ..... 518-20 Nieminen, David and Gay Lynn .................000005 731, 840
Banco de Credito e Inversiones S.A., Santiago, Chile ... 446-8 P.T. Ekspor Impor Bank Indonesia, Jakarta,
Banco de la Ciudad de Buenos Aires, Buenos Aires, NON, ss 5 ace nccensavnescamedosvannentaaenaetes 112, 145
II sivoitcncsevncencstcaninasabhnciseotcieeaani h 647-9 P.T. Gunung Agung., Ltd., Corporation, Jakarta,
Credit Suisse, Zurich, Switzerland TOIGND ©a nia cbc cisscdasetuntaccvaeesste teee n 111, 145
A86 ‘Federal Reserve Bulletin December 1999
Pages Pages
Litigation—-Continued Money laundering and Bank Secrecy Act, statement ......... 415-9
Final enforcement orders and decisions— Continued Money stock data, revision .................0.0ececeeeeeeeeeees 257-61
EE NU G BIG ce dennnebisitinwevatverssccexapiesneterss 425, 457 Morisse, Kathryn A., article ...............ccseceeeneeeceenees 287-99
PED Aiiiceuidacevennnsstubeveisiececsasiscraaes 636, 654 Mortgage lending, articles .............2.......00005- 81-102, 709-23
Putnam-Greene Financial Corporation ................. 672, 707
PRONE, DONOD DF. cc eccccseceseccvessccveccesvecesecsrcaewe 78 NATIONAL Book-Entry System ..................00606 0e0ee 0e e 791
I EIN ein cinakvonvandwocesececepansncdeanseces 636, 654 National Check Cashers Association ...............000.0000000005 470
Rouse, James and Jenene ................000cebeceeeeees 732, 840 PONE PORE E., DOMME Secs cs cesses crcsccccctscccvencesves 369-95
Bis WED ancticcesscisccsovcensécendseusceceuecen 216 I Sarat Cnc acuw aks 545036s08ciwhaectadeno e Seatmnece ee
II Sane sev snesececesivectsivendecstenvbanibs 39 Notes, Federal Reserve, ordered ...............00cceecseeeeeeeeees 671
TS aiasaindhbdcsedredsncemesiacscisacnouvaes 112, 145
Southern Security Bank .............000ccccceeeeeeeeeee 112, 145 O’DONNELL, Kevin H., article ...................cccceeeees 459-73
TransAlliance, L.P. .............+5- hevaneneacnireeusiaecuetaid 491 I cecseiveeintsreuieckiishsursscusbarvarernncts 795
Walker, Daniel K. and Kenneth G. .................... 286, 330 RINE sic chi Greig ccavvnvacneserschvacescneucxskeve 291, 295
Ny Wie I eines cvcccccvecssscccssennsassesseves 732, 840 I bh ine sic bbdinnney nin dicsecachenuvebvcestecanies 795
Wellington State Bamk ..............cccccscccscccccccvesecees 491 Over-the-counter derivatives .............66...600cceeee 106-8, 485-7
Zia New Mexico Bak ............ccccccsccscccscsrecsesers 286
Fleet Financial Group, Inc., public meeting ................... 567 P.T. Ekspor Impor Bank indonesia, Jakarta, Indonesia ........ . 112
Index of orders and actions taken ............ 70, 277-9, 451, 699 P.T. Gunung Agung, Ltd. Corporation, Jakarta,
Pending cases involving the Board of EE din ceebdutieau4b5 dt0iaeanntnsctuseee<suknasse s 111, 145
Governors, lists Of ............cc0eseeeeeees 77, 142, 215, 283, Parkinson, Patrick M, statements ...................... 106-8, 477-9
352, 456, 526, 595, Passmore, Wayne, article ....................ceseeeeeeeeeeeeees 709-23
653, 706, 781, 839 Payments System Development Committee .................... . 634
Written agreements approved by Federal Reserve Banks RN Sites getacenthciten<iaeessisesaaewccses 163-5, 5424, 548
Adairsville Bancshares, Inc. .............0..ccceeeeecees 112, 145 NE Sti Guhcanind i ons¥eucdsr ebsdeatbpinaeuinee soeasnee es 786
IDs Sacerenpxaecdavensacdscksnvessisicbesasens 707 ks hind i inind Coden ekkancisneeansdasseucecanerts 786-8
Branch Skandinaviska Enskilda Banken Corporation ...... 707 Production, industrial (See also Industrial production) .......... 20
CommCuapintali Cotrporyati on ..............6..cseeeeeeeee 708 IDorn tide nidtescisatbecc new iccdéccnecerescones ae
First Security Bancshares, Inc. ...............0.02eee00 731, 782 Proposed actions
First Utah Bancorporation .....................eeeeeeees 257, 286 Automated clearinghouse transactions ......................... 49]
Ep ticedaneidancienececsceiccscasacestustes 257, 286 Availability of Funds and Collection of Checks
Fondale Bancorp, Inc.. .......0....cccescsccccccccesssoseccses 457 ME Haninbdthdtitetessbcecsteaysdssk<bessunceees 111, 256
Grimes County Capital Corporation ...............60...0005 654 Century Date Change Special Liquidity Facility .............. 49]
PE Sia eetinti pace niciscanesdexenssacneventvensapegs 707 Consumer Leasing (Reg. M) .............0..000eceeseeeees 111, 817
Premier Data Corporation .............60.cc0cceeeeeeeee 257, 286 Electronic Fund Transfers (Reg. E) .................0.cc0cseeee 817
OGM GND TINIE, ve vsccrecccsesencvecesveccccssescceesveres 731 Equal Credit Opportunity (Reg. B) .....................22200.. 817
Skandinaviska Enskilda Banken ......................e0sees 707 BI ond ecuindnsdesvahiiiisbisiehiwannvevenesenen 11
Skandinaviska Enskilda Banken’s New York ............... 707 Truth in Lending (Reg. Z) .............00000cccceeeeceuues 111, 817
Southern Security Bank ..............c.ec0e0 ecece ecee e 112, 145 Truth in Savings (Reg. DD) .................ce.c.e. eceececee e 817
Wellington State Bank ..............0.ccccceeeceeeeeeues 527, 708 Public Affairs Program, Year 2000 readiness .................... 406
Zia New Mexico Bank ................00eceeeeseeeeeees 112, 145 Publications
Loan losses by banks ...................++++. 329, 490, 558-61, 634 PE IG, TN, BOO cenicncsccarssocctesseseneiscocssoees 491
LOMM-00-GOpORI TAMIOS ........ cc ecescsccsccccccscccccccecsecenccees 731 Annual Report, Budget Review, 1999 ..............60000000005. 49]
Loan-to-value residential real estate loans ....................... 818 Bank Holding Company Supervision Manual ............ 112, 568
Loans Consumer Handbook on Adjustable-Rate Mortgages ......... 491
ED (ccna caGhataddivdnbannacuedshsxedinmdvccctenibeundues 370 Keys to Vehicle Leasing, Spanish version ..................... 672
Commercial and industrial ........00.0..0 c.cc.eec.e .ee.ee e. en s 372 Looking for the Best Mortgage: Shop, Compare,
Depository institutions, loss allowance ....................0465 38 PET GuarcuhusaSicvecasescteuidaapeaeschesncausesssaces 256
SET Scsuibivtisesabiwctnaiuaiiecestatacséwieiwriessenasey 374
Loan-to-value residential real estate .................00.ccceeee 818 RADDOCK, Richard, article ................ccccceeeeceeeeenes 20-33
Lower-income and minority homebuyers .................. 709-23 SI Se ohuutvandviecraccencesvensecdiaccecesreireiacsweses 549
IED xidcedtenbeniswcwctndiasteesuscceunssceciind 81-102 Reciprocal currency arrangements ..............00.0.002 e0e6ee 6e ee 570
Long-Term Capital Management, L.P. .................... 46, 306-9, Regulations, Board of Governors (See a/so Rules)
312-8, 318-21, 477-9 A, Extensions of Credit by Federal Reserve Banks;
Looking for the Best Mortgage: Shop, Compare, Negotiate, Change in Discount Rate .......................2.005. 49, 639
DY asad runiancterecregeisisNedesecirsesuctcsworsnesseres 256 B, Equal Credit Opportunity .....................000..005. 671, 817
Low reserve tranche adjustment ..................000ceeceeeeeeees 817 C, Home Mortgage Disclosure ....................06c0e0c0ene e e 125
Lower-income families, banking practices D, Reserve Requirements of Depository Institutions ...... 49, 733
ED oo cccviccornsssseseseeisccesesceceess 459-73. 709-23 E, Electronic Fund Transfers ........................00-: 671, 817
H, Membership of State Banking Institutions
MANUFACTURED-HOME lenders .................00.00000s 709-23 in the Federal Reserve System ....................0000008 33 28
Marginable stock, availability of lists ............0.......ceeeeeee 257 K, International Banking Operations .......................05. 829
ED cicnscavnaneaiancctsdctssasceesevenceass 80, 111, 145 M, Consumer Leasing ........................6. 111, 328, 671, 817
McDonough, William J., President, Federal Reserve Y, Bank Holding Companies and Change
Bank of New York, statements .................. 306-9, 318-21 GI ins ocinessccescscovuccctacsateasecs 50, 267, 328
Members, Board of Governors, lists, 1913-99 ............. 597, 783 Z, Truth in Lending ...................... 109, 111, 329, 671, 817
Meyer, Governor Laurence H., statements CC, Availability of Funds and Collection of Checks ... 111, 256,
NEE Gabeuercarurandnshtees stauccecakevcsisietsdeciacees 479-84 329, 333, 632, 817, 830
RII sarnascnxacaucbridvhucuscdodeactakéndresseccesnces Oe Bey WU SNE ils iccccvescscicsesseesseesxenceeves 671, 817
Long-Term Capital Management .....................0000005 312-8 Reifschneider, David, article .............6c.e.ce. c0ee6e .ee ceece es 1-19
Mingo, John J., Senior Adviser, Division of Research Reinhart, Vincent R., transferred and appointed
and Statistics, retirement ................c0cceceeceeeeeeeeeee 569 Deputy Director, Division of International Finance ........ 673
Minority homebuyers, loans to ..................2000eceeeeeees 709-23 Report on Hedge Funds, Leverage, and the Lessons
Monetary aggregates ................c.cccecceeeeeeseeees 170-3, 545-7 of Long-Term Capital Management, statement ........... 477-9
Monetary policy RROPUTCRASS AQTOCMICMIS. «0.2... 0.5 ccccccccccccccsesecescccccccsenes 797
SIE. ac usiiincnenevakaieniieseckesspnitaeebentumerduansn 658 Reserve requirements
FRB/US perspective, article ................ccceeceeeeeeeeeeees 1-19 Low reserve tranche adjustment ................0000.00seeeeees 817
Reports to the Congress ................. 147-77, 243-50, 626-31 Net transaction accounts, decrease ................. 02.2.0. 38, 49
Monetary transmission channels .................00cceceeeeeeeeeees 3 Open Market operations ............66...00cceceeeeeeeeee2e2e1e-s9