NR 96-131 November 27, 1996 OCC Issues First Quarter 1997 CRA Examination Schedule WASHINGTON, D.C. -- The Office of the Comptroller of the Currency (OCC) today released its projected schedule of Community Reinvestment Act (CRA) examinations to be conducted in the first quarter of 1997. The OCC encourages public comment on the national banks scheduled to be examined under the CRA, and suggests that comments be submitted to the institutions themselves or to the appropriate OCC district office prior to (or as early as possible during) the month in which the exam is scheduled. All public comments received prior to the close of the CRA exam will be considered by the OCC. A copy of the schedule is attached. The OCC's CRA exam schedule is also posted on the Internet at http://www.occ.treas.gov. # # # The OCC charters, regulates and supervises approximately 2,800 national banks and 66 federal branches and agencies of foreign banks in the U.S., accounting for more than half the nation's banking assets. Its mission is to ensure a safe, sound and competitive national banking system that supports the citizens, communities and economy of the United States. 1SMSDB890 COMPTROLLER OF THE CURRENCY DATE: 11/26/96 SUPERVISORY MONITORING SYSTEM (SMS) PAGE: 1 FIRST QUARTER 1996 CRA EXAM PROJECTION BY DISTRICT NORTHEAST DISTRICT 114 AVENUE OF THE AMERICAS, SUITE 3900, NEW YORK, NY 10036-7780 CRA EXAM STATE BANK NAME CITY DATE CA REPUBLIC BANK CALIFORNIA NA BEVERLY HILLS 2/97 NJ EQUITY NATIONAL BANK MARLTON 2/96 NJ WOODSTOWN N B & TR CO WOODSTOWN 3/96 NY FIRST N B OF ROCHESTER ROCHESTER 1/96 PA THE MERCHANTS N/B OF BANGOR BANGOR 3/96 PA FIRST NATIONAL BANK IN FLEETWOOD FLEETWOOD 3/96 PA HALIFAX NATIONAL BANK HALIFAX 2/96 PA THE HONESDALE NATIONAL BANK HONESDALE 2/96 PA FIRST CITIZENS NATIONAL BANK MANSFIELD 1/96 PA CITIZENS NATIONAL BANK SLATINGTON SLATINGTON 1/96 PA FNB OF SPRING MILLS SPRING MILLS 1/96 PA EAGLE NATIONAL BANK UPPER DARBY 2/96 PA WILLIAMSPORT NATIONAL BANK WILLIAMSPORT 3/96 1SMSDB890 COMPTROLLER OF THE CURRENCYREPORT DATE: 11/26/96 SUPERVISORY MONITORING SYSTEM (SMS) PAGE: 2 FIRST QUARTER 1997 CRA EXAM PROJECTION BY DISTRICT SOUTHEAST DISTRICT MARQUIS ONE TOWER SUITE 600, 245 PEACHTREE CENTER AVE, NE ATLANTA, GA 30303-122 CRA EXAM STATE BANK NAME CITY DATE AL NATIONAL BANK OF COMMERCE OF BIRMINGHAM BIRMINGHAM 3/97 FL CITIZENS FIRST NATIONAL BANK CRESCENT CITY 3/97 FL COMMERCIAL NATIONAL BANK DAYTONA BEACH 2/97 FL BARNETT BANK, N. A. JACKSONVILLE 3/97 FL CITIZENS NATIONAL BANK LEESBURG LEESBURG 2/97 FL EXECUTIVE NATIONAL BANK MIAMI 3/97 FL PEOPLES NB OF COMMERCE, MIAMI MIAMI 3/97 FL CITIZENS NB & TRUST COMPANY PORT RICHEY 2/97 GA THE FIRST NATIONAL BANK OF COMMERCE COMMERCE 3/97 GA FIRST NATIONAL BANK OF GRIFFIN GRIFFIN 1/97 GA FIRST NATIONAL BANK OF CHATTOOGA CO. SUMMERVILLE 1/97 MS FIRST NB OF BOLIVAR COUNTY CLEVELAND 2/97 MS FIRST AMERICAN NATL BANK IUKA 3/97 MS DEPOSIT GUARANTY NATIONAL BANK JACKSON 1/97 MS THE CITIZENS NB OF MERIDIAN MERIDIAN 3/97 SC FIRST COMMUNITY BANK, N. A. LEXINGTON 1/97 TN FIRST NATIONAL BANK OF MC MINNVILLE MCMINNVILLE 2/97 TN FIRST TENNESSEE BANK N.A MEMPHIS 3/97 VA FIRST NATIONAL BANK CHRISTIANSBURG 2/97 WV CITIZENS NB OF BERKELEY SPRINGS BERKELEY SPRING 3/97 WV ONE VALLEY BANK OF CLARKSBURG, N.A. CLARKSBURG 3/97 WV CITIZENS NATIONAL BANK OF ELKINS ELKINS 3/97 WV THE OLD NATIONAL BANK OF HUNTINGTON HUNTINGTON 2/97 WV ONE VALLEY BANK-EAST, NA MARTINSBURG 3/97 WV SOUTH BRANCH VALLEY NATIONAL BANK MOOREFIELD 1/97 WV FIRST NATIONAL BANK OF ROMNEY ROMNEY 3/97 WV ONE VALLEY BANK OF RONCEVERTE, NA RONCEVERTE 3/97 WV FIRST NATIONAL BANK OF ST. MARYS ST. MARYS 2/97 WV FIRST NATIONAL BANK IN WEST UNION WEST UNION 1/97 WV PROGRESSIVE BANK, N. A. WHEELING 2/97 WV WILLIAMSTOWN NB WILLIAMSTOWN 2/97 1SMSDB890 COMPTROLLER OF THE CURRENCY DATE: 11/26/96 SUPERVISORY MONITORING SYSTEM (SMS) PAGE: 3 FIRST QUARTER 1997 CRA EXAM PROJECTION BY DISTRICT CENTRAL DISTRICT ONE FINANCIAL PLACE, SUITE 2700, 440 SOUTH LASALLE ST. CHICAGO, IL 60605-1073 CRA EXAM STATE BANK NAME CITY DATE IA THE ROCK ISLAND BANK, N.A. BETTENDORF 3/97 IL FIRST NATIONAL BANK OF BARRY BARRY 3/97 IL FIRST NATIONAL BANK OF BLUE ISLAND BLUE ISLAND 3/97 IL FIRST NATIONAL BANK OF BRIDGEPORT BRIDGEPORT 2/97 IL SEAWAY NATIONAL BANK OF CHICAGO CHICAGO 3/97 IL HEARTLAND NATIONAL BANK HERRIN 2/97 IL PEOPLES NATIONAL BANK OF KEWANEE KEWANEE 1/97 IL FIRST SUBURBAN NATIONAL BANK MAYWOOD 2/97 IL OLD EXCHANGE N B OF OKAWVILLE OKAWVILLE 2/97 IL FIRST NATIONAL BANK OF STEELEVILLE STEELEVILLE 3/97 IL NB & TRUST CO. OF SYCAMORE SYCAMORE 2/97 IL THE CITIZENS NATIONAL BANK OF TOLUCA TOLUCA 2/97 IL THE FIRST NATIONAL BANK IN TREMONT TREMONT 3/97 IN THE NATIONAL CITY BANK OF EVANSVILLE EVANSVILLE 1/97 IN NATIONAL CITY BK OF INDIANA INDIANAPOLIS 3/97 IN UNION COUNTY NATIONAL BANK OF LIBERTY LIBERTY 3/97 IN NATIONAL CITY BK OF SOUTHERN IN NEW ALBANY 3/97 IN THE FIRST NATIONAL BANK OF PORTLAND PORTLAND 2/97 IN PEOPLES NB & TRUST CO OF WASHINGTON WASHINGTON 3/97 KY NATIONAL CITY BK OF KENTUCKY LOUISVILLE 3/97 KY FIRST NATIONAL BANK OF MANCHESTER MANCHESTER 1/97 KY CITIZENS NATIONAL BANK PAINTSVILLE PAINTSVILLE 2/97 MI SUPERIOR NB & TRUST COMPANY HANCOCK 1/97 MI MFC FIRST NATIONAL BANK HOUGHTON 3/97 MI MFC FIRST NATIONAL BANK IRON RIVER 3/97 MI MFC FIRST NATIONAL BANK MARQUETTE 2/97 OH NATIONAL CITY BANK, NORTHEAST AKRON 3/97 OH NATIONAL CITY BK OF ASHLAND ASHLAND 3/97 OH THE SYCAMORE NATIONAL BANK CINCINNATI 1/97 OH NATIONAL CITY BANK CLEVELAND 3/97 OH NATIONAL CITY BK OF COLUMBUS COLUMBUS 3/97 OH NATIONAL CITY BK OF DAYTON DAYTON 3/97 OH 1ST NATIONAL BANK LEBANON 1/97 OH NATIONAL CITY BANK, NORTHWEST TOLEDO 3/97 PA NATIONAL CITY BANK, PENNSYLVANIA PITTSBURGH 3/97 WI FIRST NATIONAL BANK OF BALDWIN BALDWIN 3/97 WI HERITAGE BANK, NA JANESVILLE 3/97 WI PESHTIGO NATIONAL BANK PESHTIGO 1/97 WI 1ST NATL BK OF RIVERFALL SRIVER FALLS 2/97 IL NW BK ILLINOIS, NA GALESBURG 3/97 1SMSDB890 COMPTROLLER OF THE CURRENCY DATE:11/26/96 SUPERVISORY MONITORING SYSTEM(SMS) PAGE: 4 FIRSTQUARTER 1997 CRA EXAM PROJECTION BY DISTRICT MIDWESTDISTRICT 2345 GRAND AVENUE, SUITE 700, KANSA SCITY, MO 64108-2683 CRA EXAM STATE BANK NAME CITY DATE CO FIRST NATIONAL BANK FORT COLLINS 1/97 IA DIAL NATIONAL BANK DESMOINES 2/97 IA THE HARLAN NATIONAL BANK HARLAN 3/97 IA HERITAGE BANK, NATIONAL ASSOCIATION HOLSTEIN 3/97 IA FIRST NATIONAL BANK OF MUSCATINE MUSCATINE 2/97 IA FIRST NATIONAL BANK OF REMBRANDT REMBRANDT 3/97 IA AMERICAN INTERSTATE BANK, NA WALNUT 3/97 KS THE HOME NB OF ARKANSAS CITY ARKANSAS CITY 1/97 KS EXCHANGE NB OF COTTONWOOD FALLS COTTONWOOD FALL 1/97 KS GARDNER NATIONAL BANK GARDNER 1/97 KS CENTRAL NATIONAL BANK JUNCTION CITY 1/97 KS FNB & TRUST CO. OF LEAVEN WORTH LEAVENWORTH 1/97 KS EXCHANGE NATIONAL BANK MARYSVILLE 3/97 KS THE FNB OF MEDICINE LODGE MEDICINE LODGE 1/97 KS FIRST NATIONAL BANK PALCO 1/97 KS SOUTHWEST KANSAS NATIONAL BANK ULYSSES 3/97 MN STEARNS COUNTY NB ALBANY 3/97 MN CITY NATIONAL BANK OF CLOQUET CLOQUET 1/97 MN FIRST NATIONAL BANK OF COKATO COKATO 3/97 MN FIRST NATIONAL BANK OF ELK RIVER ELK RIVER 1/97 MN NORWEST BANK MINNESOTA SOUTHWEST, NA MARSHALL 1/97 MN NORWEST BANK MINNESOTA WEST, N.A. MOORHEAD 1/97 MN THE MIDWAY NB OF ST. PAUL ST.PAUL 3/97 MN FIRST NATIONAL BANK IN WADENA WADENA 2/97 MN THE MERCHANTS NB OF WINONA WINONA 2/97 MO FIRST NB OF ST. LOUIS CLAYTON 3/97 MO NORTH LAND NATIONAL BANK GLADSTONE 3/97 MO THE FIRST NATIONAL BANK OFS ARCOXIES ARCOXIE 2/97 MO THE THIRD NATIONAL BANK OF SEDALIA SEDALIA 3/97 MO PEOPLE'S NB SENECA 2/97 MO FIRST CITY NATIONAL BANK SPRINGFIELD 3/97 MO MERCANTILE BANK NA ST. LOUIS 3/97 MO STERLING NATIONAL BANK SUGAR CREEK 3/97 ND COMMUNITY FNB DICKINSON 2/97 ND FIRST NATIONAL BANK NORTH DAKOTA GRAND FORKS 2/97 ND NATIONAL BANK OF HARVEY HARVEY 2/97 NE THE FIRST NATIONAL BANK OF BANCROFT BANCROFT 2/97 NE THE BEATRICE NB AND TRUST CO BEATRICE 2/97 NE FNB & TRUST COMPANY OF COLUMBUS COLUMBUS 3/97 NE FREMONT NATIONAL BANK & TRUST COMPANY FREMONT 3/97 NE SECURITY NATIONAL BANK LAUREL 1/97 NE FIRST NATIONAL BANK LINCOLN 3/97 NE FIRST NATIONAL BANK OF MARQUETTE MARQUETTE 1/97 NE FIRST NATIONAL BANK NORTH PLATTE 1/97 NE FIRST NATIONAL BANK OF OMAHA OMAHA 1/97 NE AMERICAN NATIONAL BANK SIDNEY SIDNEY 1/97 NE SIOUX LAND NATIONAL BANK SOUTH SIOUX CIT 1/97 NE FIRST NATIONAL BANK OF STROMSBURG STROMSBURG 2/97 NE THE FIRST NATIONAL BANK OF YORK YORK 3/97 SD VALLEY BANK, N.A. ELKPOINT 1/97 SD FIRST NATIONAL BANK SOUTH DAKOTA YANKTON 3/97 1SMSDB890 COMPTROLLER OF THE CURRENCY DATE: 11/26/96 SUPERVISORY MONITORING SYSTEM (SMS) PAGE: 5 FIRST QUARTER 1997 CRA EXAM PROJECTION BY DISTRICT SOUTHWEST DISTRICT 1600 LINCOLN PLAZA, 500 NORTH AKARD STREET, DALLAS, TX 75201-3394 CRA EXAM STATE BANK NAME CITY DATE AR MERCHANTS & PLANTERS BANK, NA CAMDEN 3/97 AR FIRST NATIONAL BANK OF CROSSETT CROSSETT 3/97 AR FIRST NB OF HOWARD COUNTY DIERKS 3/97 AR FIRST NATIONAL BANK OF EL DORADO EL DORADO 3/97 AR CITY NATIONAL BANK OF FORT SMITH FORT SMITH 3/97 AR FIRST NATIONAL BANK OF MAGNOLIA MAGNOLIA 3/97 AR FIRST NATIONAL BANK SEARCY 3/97 LA HIBERNIA NATIONAL BANK NEW ORLEANS 1/97 MS FIRST NATIONAL BANK OF PICAYUNE PICAYUNE 3/97 MS FIRST NATIONAL BANK OF WIGGINS WIGGINS 3/97 NM FIRST NATIONAL BANK IN ALAMOGORDO ALAMOGORDO 1/97 NM CARLSBAD NATIONAL BANK CARLSBAD CARLSBAD 3/97 NM LOS ALAMOS NATIONAL BANK LOS ALAMOS 3/97 NM SUNWEST BANK ALBUQUERQUE, NA ALBUQUERQUE 1/97 NM SUNWEST BK OF NA CLOVIS 1/97 NM SUNWEST BANK OF RIO ARRIBA NA ESPANOLA 1/97 NM SUNWEST BANK OF HOBBS NA HOBBS 1/97 NM SUNWEST BANK OF LAS CRUCES NA LAS CRUCES 1/97 NM SUNWEST BK OF RATON, NA RATON 1/97 NM SUNWEST BANK OF ROSWELL NA ROSWELL 1/97 NM THE FIRST NATIONAL BANK OF SANTA FE SANTA FE 2/97 OK FIRST NATIONAL BANK IN DURANT DURANT 1/97 OK FARMERS & MERCHANTS NB OF FAIRVIEW FAIRVIEW 2/97 OK FIRST NATIONAL BANK IN HOMINY HOMINY 2/97 OK TERRITORY NATIONAL BANK MUSKOGEE 2/97 OK THE SECURITY NB & TR CO OF NORMAN NORMAN 2/97 OK LIBERTY BK & TR CO. OF OKLAHOMA CITY , NA OKLAHOMA CITY 3/97 OK METROBANK NATIONAL ASSOCIATION OKLAHOMA CITY 2/97 OK 1ST NATIONAL BK & TRUST CO. PONCA CITY 2/97 OK STILLWATER NB & TR CO STILLWATER 2/97 OK FIRST NATIONAL BANK OF THOMAS THOMAS 1/97 OK LIBERTY BANK AND TRUST OF TULSA NA TULSA 3/97 TX FIRST NATIONAL BANK OF ANSON ANSON 1/97 TX ARLINGTON NATIONAL BANK ARLINGTON 2/97 TX THE FIRST NATIONAL BANK OF ATHENS ATHENS 2/97 TX TEXAS NATIONAL BANK OF BAYTOWN BAYTOWN 1/97 TX CITIZENS NATIONAL BANK OF BRECKENRIDGE BRECKENRIDGE 2/97 TX THE COMANCHE NATIONAL BANK COMANCHE 1/97 TX NUECES NATIONAL BANK CORPUS CHRISTI 1/97 TX PRESTON NATIONAL BANK DALLAS DALLAS 2/97 TX TEXAS CENTRAL BANK NA DALLAS 3/97 TX MONTWOOD NATIONAL BANK EL PASO 1/97 TX EISENHOWER NATIONAL BK FORT SAM HOUSTO 3/97 TX FIRST NATIONAL BANK OF FORT STOCKTON FORT STOCKTON 1/97 TX LAKE WORTH NATIONAL BANKFORT WORTH 3/97 TX NATL BK OF TEXAS AT FORT WORTH FORT WORTH 2/97 TX PIONEER NATIONAL BANK FREDERICKSBURG 2/97 TX TEXAS GULF BANK, N.A. FREEPORT 1/97 TX WOODHAVEN NATIONAL BANK FT. WORTH 1/97 TX FIRST NATIONAL BANK GEORGE WEST 1/97 TX FIRST NATIONAL BANK OF GIDDINGS GIDDINGS 3/97 TX GRAHAM NATIONAL BANK GRAHAM 2/97 TX HASKELL NATIONAL BANK HASKELL 1/97 TX METROBANK, NATIONAL ASSOCIATION HOUSTON 1/97 TX SOUTHWEST BANK OF TEXAS, NA HOUSTON 2/97 TX THE STATE NATIONAL BANK OF IOWA PARK IOWA PARK 3/97 TX TEXAS NATIONAL BANK OF JACKSONVILLE JACKSONVILLE 3/97 TX MAYDE CREEK BANK NAKATY 1/97 TX BAYSHORE NATIONAL BANK OF LA PORTE LA PORTE 1/97 TX AUSTIN BANK, NATIONAL ASSOCIATION LONGVIEW 1/97 TX MC ALLEN NATIONAL BANK MC ALLEN 1/97 TX COLLIN COUNTY NATIONAL BANK MCKINNEY 3/97 TX FIRST NATIONAL BANK OF MERTZON MERTZON 1/97 TX TOWNBANK, N.A. MESQUITE 1/97 TX FIRST NATIONAL BANK IN MUNDAY MUNDAY 3/97 TX FIRST NATIONAL BANK OF NEW BOSTON NEW BOSTON 2/97 TX SECURITY NATIONAL BANK OF QUANAH QUANAH 3/97 TX BROADWAY NB SAN ANTONIO 3/97 TX INTERCONTINENTAL NATIONAL BANK SAN ANTONIO 3/97 TX SANTA ANNA N B SANTA ANNA 1/97 TX LOST PINES NATIONAL BANK SMITHVILLE 3/97 TX CITY NATIONAL BANK OF SULPHUR SPRINGS SULPHUR SPRINGS 2/97 TX CITIZENS NATIONAL BANK TEAGUE 1/97 TX THE TEXARKANA NATIONAL BANK TEXARKANA 2/97 TX THE HERRING NATIONAL BANK VERNON 1/97 1SMSDB890 COMPTROLLER OF THE CURRENCY DATE: 11/26/96 SUPERVISORY MONITORING SYSTEM (SMS) PAGE: 7 FIRST QUARTER 1997 CRA EXAM PROJECTION BY DISTRICT MULTINATIONAL BANKING 250 E STREET, S.W., WASHINGTON D.C. 20219 CRA EXAM STATE BANK NAME CITY DATE CO BANK ONE, COLORADO, NATIONAL ASSN. DENVER 2/97 NV CITIBANK (NEVADA) NA LAS VEGAS 3/97 1SMSDB890 COMPTROLLER OF THE CURRENCY DATE: 11/26/96 SUPERVISORY MONITORING SYSTEM (SMS) PAGE: 8 FIRST QUARTER 1997 CRA EXAM PROJECTION BY DISTRICT WESTERN DISTRICT 50 FREMONT STREET, SUITE 3900, SAN FRANCISCO, CA 94105-2292 CRA EXAM STATE BANK NAME CITY DATE AZ REPUBLIC NATIONAL BANK PHOENIX 3/97 CA NORTH STATE NATIONAL BANK CHICAGO 3/97 CA INTERNATIONAL CITY BANK NA LONG BEACH 2/97 CA PACIFIC NATIONAL BANK NEWPORT BEACH 2/97 CA CHANNEL ISLANDS NATIONAL BANK OXNARD 1/97 CA INLAND COMMUNITY BANK, NA RIALTO 1/97 CA DE ANZA NATIONAL BANK RIVERSIDE 1/97 CA FIRST NATIONAL BANK OF MARIN SAN RAFAEL 2/97 MT MOUNTAIN WEST BANK OF GREAT FALLS, N.A. GREAT FALLS 2/97 MT CONTINENTAL NB OF HARLOWTON HARLOWTON 3/97