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FDIC MAKES PUBLIC JANUARY 1996 ENFORCEMENT ACTIONS; PROVIDES LIST OF HEARINGS TO BE HELD IN MARCH

FOR IMMEDIATE RELEASE
PR-41-96 (6-3-96)
Media Contact:
Motty Bradshaw (202)898-8680

The FDIC has issued the public list of its institutions to be examined under regulations implementing the Community Reinvestment Act (CRA). The list covers the third quarter of 1996.

In May 1995, the Federal bank and thrift regulators published revised CRA regulations that require each regulator to publish a quarterly CRA examination schedule at least 30 days before the beginning of each quarter, beginning January 1, 1996.

The regulators encourage public comment on the institutions to be examined under the CRA. Comments about FDIC-supervised institutions should be directed to the institutions themselves or to the Regional Manager of the appropriate FDIC regional office (a list of those locations is attached). All public comments received prior to completion of a CRA examination will be considered.

The schedule of institutions to be examined between July 1, 1996, and September 30, 1996, is based on the best information now available. Examination schedules may change; unanticipated complex issues could arise, for example, that require more time and resources than originally allotted, thus delaying completion of an examination and delaying other scheduled examinations. If an institution is rescheduled for a different quarter, that information will be included on a later list.

To receive today's quarterly list if not available as an attachment or to be added to a mailing list for future press releases, call (703) 562-2200, fax a request to (703) 562-2296, or write:

FDIC
Office of Corporate Communications
Public Information Center
801 17th Street, NW
Room 100
Washington, D.C. 20434

The quarterly list is also available on the Internet.

The Community Reinvestment Act is a 1977 law intended to encourage insured banks and thrifts to meet local credit needs, including those of low- and moderate-income neighborhoods, consistent with safe and sound operations.

###

Congress created the Federal Deposit Insurance Corporation in 1933 to restore public confidence in the nation's banking system. The FDIC insures deposits at the nation's 12,000 banks and savings associations and it promotes the safety and soundness of these institutions by identifying, monitoring and addressing risks to which they are exposed.

FDIC press releases and other information, including today's quarterly listing, are available on the Internet via the World Wide Web at www.fdic.gov or through Gopher at gopher.fdic.gov.

      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page   1
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

REGION:  ATL

16595  Covington County Bank                 EAST THREE NOTCH STREET                ANDALUSIA         AL  36420
5605  Bank of Brewton                       102 BELLEVILLE AVENUE                   BREWTON           AL  36426
22389  City Bank of Childersburg             214 NINTH AVENUE, S.W.                 CHILDERSBURG      AL  35044
16369  The Citizens Bank                     301 SOUTH EDWARDS STREET                  
     ENTERPRISE        AL  36330
         49  Bank of Evergreen                     146 WEST FRONT STREET                          
EVERGREEN         AL  36401
       1736  The Union Bank                        405 BELLEVILLE STREET                          
EVERGREEN         AL  36401
      19794  Peoples State Bank                    MAIN STREET                                    
GRANT             AL  35747
      13887  Farmers and Merchants Bank            COURT HOUSE SQUARE                    
         LAFAYETTE         AL  36862
      16743  Merchants & Farmers Bank              MAIN STREET                                    
MILLPORT          AL  35576
      12368  First Alabama Bank                    44 FIRST ALABAMA PLAZA                         
MONTGOMERY        AL  36101
      14720  First Community Bank                  MILITARY ROAD AND HIGHWAY 43         
          MOUNT VERNON      AL  36560
      16607  Bank of Pine Hill                     HIGHWAY 5 AT OAK GROVE STREET           
       PINE HILL         AL  36769
         50  Bank of Red Bay                       MAIN STREET                                     RED
BAY           AL  35582
      23376  The North Jackson Bank                KENTUCKY AVENUE AND SECOND
STREET               STEVENSON         AL  35772
      21050  First State Bank of Lamar County      ELM AND MAIN STREETS                    
       SULLIGENT         AL  35586
       5598  Troy Bank & Trust Company             1000 HIGHWAY 231 SOUTH                  
       TROY              AL  36081
      27209  The Bank of Tuscaloosa                2209 9TH STREET, SUITE 300                 
    TUSCALOOSA        AL  35403
       9612  First State Bank of Uniontown         WATER AVENUE                                   
UNIONTOWN         AL  36786
      22523  Citizens State Bank                   209-211 WEST COLUMBUS AVENUE          
         VERNON            AL  35592
      16759  First Bank of Childersburg            47-53 NORTH MAIN STREET                    
    VINCENT           AL  35178
      17750  Warrior Savings Bank                  218 LOUISA STREET                              
WARRIOR           AL  35180
       1745  The Farmers & Merchants Bank          MAIN STREET                                    
WATERLOO          AL  35677
         52  The Citizens Bank of Winfield         108-110 EAST FIRST AVENUE                  
    WINFIELD          AL  35594

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- AL:       23


       9619  Apalachicola State Bank               22 AVENUE E                                    
APALACHICOLA      FL  32320
      27040  C&L Bank of Blountstown               307 WEST CENTRAL AVENUE                
        BLOUNTSTOWN       FL  32424
      21736  Transflorida Bank                     1489 WEST PALMETTO PARK ROAD           
        BOCA RATON        FL  33486
      20340  Gulf State Bank                       U.S. HIGHWAY 98 AND 2ND STREET            
     CARRABELLE        FL  32322
       9620  First Bank of Clewiston               300 EAST SUGARLAND HIGHWAY             
        CLEWISTON         FL  33440
      21258  Community Bank of Homestead           28801 S.W. 157TH AVENUE              
          DADE COUNTY       FL  33030
      26713  Regent Bank                           2205 SOUTH UNIVERSITY DRIVE                  
  DAVIE             FL  33324
      21692  Peoples Bank of Graceville            406 BROWN STREET                               
GRACEVILLE        FL  32440
      33440  First Bank of the Villages            903 AVENIDA CENTRAL                            
LADY LAKE         FL  32159
      32518  Union Bank of Florida                 1205 N.W. 40TH AVENUE                          
LAUDERHILL        FL  33313
      21220  Espirito Santo Bank of Florida        1395 BRICKELL AVENUE                        
   MIAMI             FL  33131
      11286  Farmers & Merchants Bank              200 EAST WASHINGTON STREET       
              MONTICELLO        FL  32344
      20358  Florida Bank of Commerce              1026 FLORIDA AVENUE                         
   PALM HARBOR       FL  33563
      15169  Bay Bank & Trust Co.                  509 HARRISON AVENUE                            
PANAMA CITY       FL  32401
      33992  Premier Bank                          1461 CAPITAL CIRCLE, N.W.                      
TALLAHASSEE       FL  32312
      26560  Manufacturers Bank of Florida         4144 NORTH ARMENIA AVENUE          
            TAMPA             FL  33677
      32545  Prime Bank of Central Florida         690 COUNTRY CLUB DRIVE                   
      TITUSVILLE        FL  32780
      33108  NBD Bank                              1320 VENICE AVENUE EAST                        
VENICE            FL  34284
       5668  Wewahitchka State Bank                MAIN STREET                                    
WEWAHITCHKA       FL  32465

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- FL:       19


      15948  First State Bank & Trust Company      333 BROAD AVENUE                          
     ALBANY            GA  31702



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page   2
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  ATL

      32736  First Capital Bank                    6400 POWERS FERRY ROAD                        
 ATLANTA           GA  30339
      27276  Monogram Credit Card Bank of Georgia  7840 ROSWELL ROAD,
BUILDING 100, SUITE 210      ATLANTA           GA  30350
      15496  First State Bank of Blakely           218 SOUTH MAIN STREET                        
  BLAKELY           GA  31723
      18281  First Bank and Trust                  MAIN STREET                                    
CARNESVILLE       GA  30521
      32837  First Clayton Bank & Trust Company    HIGHWAY 441 SOUTH                      
        CLAYTON           GA  30525
        873  Columbus Bank and Trust Company       1148 BROADWAY                             
     COLUMBUS          GA  31902
      26796  Lanier Bank & Trust Company           214 DAHLONEGA ROAD                      
       CUMMING           GA  30130
      32939  Dalton/Whitfield Bank & Trust         401 SOUTH THORNTON AVENUE         
             DALTON            GA  30720
        876  Bank of Dawson                        201-209 1/2 MAIN STREET                        
DAWSON            GA  31742
      27494  First Southern Bank                   2727 PANOLA ROAD                               
DE KALB COUNTY    GA  30058
      34046  Global Commerce Bank                  5150 BUFORD HIGHWAY, SUITE B-130 
              DORAVILLE         GA  30340
      27056  Citizens & Merchants State Bank       6500 EAST CHURCH STREET             
           DOUGLASVILLE      GA  30134
      25092  Citizens Bank of Gwinnett             3209 BUFORD HIGHWAY                         
   DULUTH            GA  30136
        156  Monroe County Bank                    1 EAST MAIN STREET                             
FORSYTH           GA  31029
      26850  The Bank of Spalding County           201 WEST TAYLOR STREET                
         GRIFFIN           GA  30223
      32954  The Westside Bank & Trust Company     1200 BARRETT PARKWAY            
               KENNESAW          GA  30144
       5716  Farmers & Merchants Bank              110 CARTER STREET                             
 LAKELAND          GA  31635
        173  The Peoples Bank                      3065 STONE MOUNTAIN STREET                
     LITHONIA          GA  30058
      27440  Charter Bank and Trust Co.            269 ROSWELL STREET                          
   MARIETTA          GA  30060
      26951  Cobb American Bank and Trust Company  1200 JOHNSON FERRY ROAD   
                     MARIETTA          GA  30068
      26307  First Alliance Bank                   63 BARRETT PARKWAY                             
MARIETTA          GA  30066
        160  Exchange Bank                         250 WEST HANCOCK STREET                      
  MILLEDGEVILLE     GA  31061
        170  The Peoples Bank of Talbotton         MAIN STREET                                    
TALBOTTON         GA  31827
      17258  Citizens Bank                         201 MAIN STREET                                
WARRENTON         GA  30828
      26324  Bank of Georgia                       2100 EXPERIMENT STATION ROAD             
      WATKINSVILLE      GA  30677
      19163  First State Bank                      300 BROAD STREET                               
WRENS             GA  30833

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- GA:       27


      30668  Home Savings Bank of Albemarle, SSB   155 WEST SOUTH STREET          
                ALBEMARLE         NC  28001
      27789  1st State Savings Bank, SSB           445 SOUTH MAIN STREET                    
      BURLINGTON        NC  27215
      19861  Yadkin Valley Bank and Trust Company  110 WEST MARKET STREET        
                 ELKIN             NC  28621
      27049  First Community Bank                  100 EAST GARRISON BOULEVARD         
           GASTONIA          NC  28052
      34041  First Gaston Bank of North Carolina   804 SOUTH NEW HOPE ROAD          
              GASTONIA          NC  28054
      16799  Lexington State Bank                  38 WEST FIRST AVENUE                           
LEXINGTON         NC  27292
      26400  Bank of Union                         201 NORTH CHARLOTTE AVENUE                
     MONROE            NC  28112
      29873  Mooresville Savings Bank, SSB         347 NORTH MAIN STREET                  
        MOORESVILLE       NC  28115
      33368  Carolina State Bank                   316 SOUTH LAFAYETTE STREET               
      SHELBY            NC  28150
      30327  Haywood Savings Bank, Inc., SSB       505 NORTH MAIN STREET                
          WAYNESVILLE       NC  28786

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- NC:       10


      15007  Carolina Commercial Bank              MAIN STREET                                    
ALLENDALE         SC  29810
       9920  Chesnee State Bank                    110 ALA AVENUE                                 
CHESNEE           SC  29323
      34034  Clemson Bank & Trust                  528 OLD GREENVILLE HIGHWAY            
         CLEMSON           SC  29631
      15113  Bank of Greeleyville                  73 MAIN STREET                                 
GREELEYVILLE      SC  29056
      21758  The Anchor Bank                       2002 OAK STREET                                
MYRTLE BEACH      SC  29577
      32838  Community First Bank Walhalla         3685 BLUE RIDGE BOULEVARD         
             WALHALLA          SC  29691





      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page   3
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  ATL


     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- SC:        6


      11578  Burke & Herbert Bank & Trust Company  100 SOUTH FAIRFAX STREET      
                 ALEXANDRIA        VA  22314
      10730  Peoples Bank of Ewing                 MAIN STREET                                    
EWING             VA  24248
       2429  Farmers Bank                          50 EAST WINDSOR BOULEVARD                   
   WINDSOR           VA  23487

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- VA:        3


      34030  Citizens Southern Bank, Inc.          111 CITIZENS DRIVE                             
BECKLEY           WV  25801
       2444  Clay County Bank, Inc.                MAIN STREET                                    
CLAY              WV  25043
      15278  The Twentieth Street Bank             1900 THIRD AVENUE                              
HUNTINGTON        WV  25703
      12658  One Valley Bank, Inc.                 466 HIGH STREET                                
MORGANTOWN        WV  26505
      18582  Wesbanco Bank Parkersburg             GIHON ROAD AND PIKE STREET      
               PARKERSBURG       WV  26101

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- WV:        5


     TOTAL -- CRA EXAMS SCHEDULED FOR REGION -- ATL:      93

     REGION:  BOS

      18244  Branford Savings Bank                 SOUTH MAIN AND EADES STREETS       
            BRANFORD          CT  6405
      26193  Community Savings Bank                206 NORTH MAIN STREET                    
      BRISTOL           CT  6010
      18190  The Union Savings Bank of Danbury     226 MAIN STREET                            
    DANBURY           CT  6810
      19702  The Glastonbury Bank and Trust Compa  2461 MAIN STREET                      
         GLASTONBURY       CT  6033
      25332  Advest Bank                           90 STATE HOUSE SQUARE                          
HARTFORD          CT  6103
      17941  Mechanics Savings Bank                100 PEARL STREET                               
HARTFORD          CT  6103
      18237  Jewett City Savings Bank              111 MAIN STREET                                
JEWETT CITY       CT  6351
      17942  The Savings Bank of Manchester        923 MAIN STREET                              
  MANCHESTER        CT  6040
      32721  First City Bank                       370 WEST MAIN STREET                           
NEW BRITAIN       CT  6050
      18201  Fairfield County Savings Bank         67 WALL STREET                                 
NORWALK           CT  6852
      18238  The Chelsea Groton Savings Bank       ONE FRANKLIN SQUARE                 
           NORWICH           CT  6360
      32836  Prime Bank                            7 OLD TAVERN ROAD                              
ORANGE            CT  6477
      18213  Ridgefield Bank                       374 MAIN STREET                                
RIDGEFIELD        CT  6877
      26694  The Bank of Southington               130 NORTH MAIN STREET                       
   SOUTHINGTON       CT  6489
      26431  Fairfield First Bank & Trust Company  2000 POST ROAD                               
  SOUTHPORT         CT  6430
      18227  Stafford Savings Bank                 12 FURNACE AVENUE                              
STAFFORD SPRINGS  CT  6076
      18205  Tolland Bank                          670 TOLLAND STAGE ROAD                         
TOLLAND           CT  6084

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- CT:       17


      26568  Adams Co-operative Bank               93 PARK STREET                                 
ADAMS             MA  1220
      33825  Asian American Bank and Trust Compan  17 KNEELAND STREET                
             BOSTON            MA  2111
      20072  Investors Bank & Trust Company        39 SOUTH STREET P.O. BOX 1537   
               BOSTON            MA  2205
      19485  Liberty Bank and Trust Company        21 MILK STREET                                 
BOSTON            MA  2109
      90171  People's Savings Bank of Brockton     221 MAIN STREET                              
  BROCKTON          MA  2403
      26537  Brookline Co-operative Bank           264 WASHINGTON STREET                  
        BROOKLINE         MA  2146
       8152  Cambridge Trust Company               1336 MASSACHUSETTS AVENUE         
             CAMBRIDGE         MA  2138



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page   4
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  BOS

      26660  Charlestown Co-operative Bank         201 MAIN STREET                               
 CHARLESTOWN       MA  2129
      26548  Chelsea-Provident Co-operative Bank   360 BROADWAY                              
     CHELSEA           MA  2150
      27232  Dedham Co-operative Bank              402 WASHINGTON STREET                 
         DEDHAM            MA  2026
      26618  Easthampton Co-operative Bank         5 MAIN STREET                                  
EASTHAMPTON       MA  1027
      90196  Citizens-Union Savings Bank           4 SOUTH MAIN STREET                        
    FALL RIVER        MA  2722
      26411  Haverhill Co-operative Bank           180 MERRIMACK STREET                      
     HAVERHILL         MA  1830
      26600  Holbrook Co-operative Bank            95 NORTH FRANKLIN STREET             
          HOLBROOK          MA  2343
      26619  Butler Bank--A Co-operative Bank      10 HURD STREET                               
  LOWELL            MA  1852
      27408  Enterprise Bank and Trust Company     222 MERRIMACK STREET               
            LOWELL            MA  1852
      26467  Lowell Co-operative Bank              18 HURD STREET                                 
LOWELL            MA  1852
      26510  Marlborough Co-operative Bank         175 MAIN STREET                               
 MARLBOROUGH       MA  1752
      26485  Newton South Co-operative Bank        411 WATERTOWN STREET              
             NEWTON            MA  2158
      26454  The Northampton Co-operative Bank     67 KING STREET                             
    NORTHAMPTON       MA  1060
      22054  The Hibernia Savings Bank             731 HANCOCK STREET                         
    QUINCY            MA  2170
      90273  Granite Savings Bank                  26 BROADWAY STREET                            
 ROCKPORT          MA  1966
      26599  The Sandwich Co-operative Bank        100 OLD KINGS HIGHWAY                
          SANDWICH          MA  2563
      23524  Southbridge Savings Bank              253-257 MAIN STREET                           
 SOUTHBRIDGE       MA  1550
      23622  Bristol County Savings Bank           35 BROADWAY                                    
TAUNTON           MA  2780
      26634  Mechanics' Co-operative Bank          308 BAY STREET                                 
TAUNTON           MA  2780
      90303  Weymouth Savings Bank                 47 WASHINGTON STREET                    
       WEYMOUTH          MA  2188
      27238  Winchester Co-operative Bank          19 CHURCH STREET                           
    WINCHESTER        MA  1890
      26576  Wrentham Co-operative Bank            102 SOUTH STREET                            
   WRENTHAM          MA  2093
      26517  Cape Cod Co-operative Bank            121 MAIN STREET                                
YARMOUTH PORT     MA  2675

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- MA:       30


      17897  Kennebec Savings Bank                 150 STATE STREET                               
AUGUSTA           ME  4330
      17741  Biddeford Savings Bank                254 MAIN STREET                                
BIDDEFORD         ME  4005
      19836  Franklin Savings Bank                 81 MAIN STREET                                 
FARMINGTON        ME  4938
      17748  Gorham Savings Bank                   64 MAIN STREET                                 
GORHAM            ME  4038
      17658  Norway Savings Bank                   132 MAIN STREET                                
NORWAY            ME  4268
      23375  Coastal Savings Bank                  36 THOMAS DRIVE                                
WESTBROOK         ME  4092

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- ME:        6


      18012  Laconia Savings Bank                  62 PLEASANT STREET                             
LACONIA           NH  3246
      18037  The Siwooganock Guaranty Savings Ban  117 MAIN STREET                       
         LANCASTER         NH  3584
      26479  First Signature Bank and Trust Compa  190 COMMERCE WAY                     
          PORTSMOUTH        NH  3801
      34067  Andover Bank NH                       130 MAIN STREET                                
SALEM             NH  3079
      24540  Southern New Hampshire Bank and Trus  58 RANGE ROAD                          
        WINDHAM           NH  3087

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- NH:        5


     TOTAL -- CRA EXAMS SCHEDULED FOR REGION -- BOS:      58

     REGION:  CHI

      11696  State Bank of Augusta                 MAIN STREET                                    
AUGUSTA           IL  62311
      10881  State Bank of Aviston                 MAIN STREET                                    
AVISTON           IL  62216



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page   5
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  CHI

      19855  Suburban Bank of Barrington           333 NORTH NORTHWEST HIGHWAY  
                  BARRINGTON        IL  60010
       9073  Harris Bank Bartlett                  335 SOUTH MAIN STREET                          
BARTLETT          IL  60103
      18407  Bank of Bellwood                      219 SOUTH MANNHEIM ROAD                     
   BELLWOOD          IL  60104
      19689  State Bank of Whittington             200 NORTH MAIN STREET                       
   BENTON            IL  62812
      12113  Germantown Trust & Savings Bank       205 GERMANTOWN ROAD              
              BREESE            IL  62230
      10799  First State Bank of Campbell Hill     FRONT STREET                                   
CAMPBELL HILL     IL  62916
      18936  Bank of Casey                         101 WEST ALABAMA STREET                       
 CASEY             IL  62420
      30210  Cerro Gordo Building and Loan, s.b.   229 EAST SOUTH STREET                
          CERRO GORDO       IL  61818
      11311  The American Bank                     233 EAST SOUTH STREET                         
 CERRO GORDO       IL  61818
      18168  East Side Bank and Trust Company      10635 SOUTH EWING AVENUE       
                CHICAGO           IL  60617
      33667  Korea Exchange Bank                   181 WEST MADISON, SUITE 2100           
        CHICAGO           IL  60602
      19573  Lakeside Bank                         141 WEST JACKSON BOULEVARD               
      CHICAGO           IL  60604
      33663  National Bank of Greece, S.A.         168 NORTH MICHIGAN AVENUE           
           CHICAGO           IL  60601
      11687  South Chicago Bank                    2959 EAST 92ND STREET                          
CHICAGO           IL  60617
      33664  State Bank of India                   19 SOUTH LASALLE STREET, 2ND FLOOR 
            CHICAGO           IL  60603
      17015  The Irving Bank                       5900 WEST IRVING PARK ROAD                   
  CHICAGO           IL  60634
      15938  Banterra Bank of Christopher          506 NORTH VICTOR STREET                
        CHRISTOPHER       IL  62822
      33005  First Collinsville Bank               800 BELTLINE ROAD                              
COLLINSVILLE      IL  62234
      10801  The Hight State Bank                  MAIN STREET                                    
DALTON CITY       IL  61925
       5740  State Bank of Davis                   100 ROUTE 75                                    DAVIS 
           IL  61019
      17598  Soy Capital Bank and Trust Company    1501 EAST ELDORADO STREET   
                   DECATUR           IL  62525
      10805  Bank of Dwight                        132 EAST MAIN                                  
DWIGHT            IL  60420
      20824  Sunstar Bank                          2301 WASHINGTON ROAD                           
EAST PEORIA       IL  61611
      10810  Elkville State Bank                   MAIN STREET                                    
ELKVILLE          IL  62932
      11741  Forreston State Bank                  WALNUT AND MAIN STREETS                   
     FORRESTON         IL  61030
       5736  Fulton State Bank                     1404 14TH AVENUE                               
FULTON            IL  61252
      19660  Galena State Bank & Trust Co.         216 SOUTH COMMERCE STREET       
               GALENA            IL  61036
      10467  The Gifford State Bank                304 SOUTH MAIN STREET                         
 GIFFORD           IL  61847
      10468  Golden State Bank                     MAIN STREET                                    
GOLDEN            IL  62339
      16712  Security State Bank of Hamilton       1111-1113 BROADWAY                         
    HAMILTON          IL  62341
      17241  Putnam County Bank                    SECOND AND HIGH STREETS                 
       HENNEPIN          IL  61327
      11671  State Bank of Herscher                10 TOBEY DRIVE                                 
HERSCHER          IL  60941
       9259  Farmers State Bank of Hoffman         CENTRALIA CARYLE ROAD &
HIGHWAY 161             HOFFMAN           IL  62250
      19974  Harris Bank Hoffman-Schaumburg        1100 NORTH ROSELLE ROAD         
               HOFFMAN ESTATES   IL  60195
       1783  Harris Bank Huntley                   10604 VINE STREET                              
HUNTLEY           IL  60142
      10469  Farmers & Merchants Bank of Hutsonvi  MAIN STREET                                 
   HUTSONVILLE       IL  62433
      11747  The Farmers State Bank and Trust Com  200 WEST STATE STREET           
               JACKSONVILLE      IL  62650
       9632  First State Bank of Western Illinois  128 EAST MAIN STREET                        
   LA HARPE          IL  61450
      12102  Bank of Ladd                          110 NORTH MAIN STREET                          
LADD              IL  61329
      12396  State Bank of Lincoln                 508 BROADWAY                                   
LINCOLN           IL  62656
       1786  Longview State Bank                   MAIN STREET                                    
LONGVIEW          IL  61852
      33753  Citizens Community Bank               9 EAST MAIN STREET                             
MASCOUTAH         IL  62258
      30644  Okaw Building and Loan, s.b.          720 BROADWAY AVENUE                      
      MATTOON           IL  61938
       5721  Farmers State Bank of McNabb, Illino  MAIN STREET                                    
MCNABB            IL  61335
       5725  Farmers and Traders State Bank of Me  MAIN STREET                                   
 MEREDOSIA         IL  62665
      10463  Middletown State Bank                 905 DECATUR STREET                             
MIDDLETOWN        IL  62666
      10835  Mt. Erie State Bank                   MAIN STREET                                    
MOUNT ERIE        IL  62446
       1814  Ayars State Bank                      105 NORTH MAIN STREET                          
MOWEAQUA          IL  62550
      10887  First County Bank                     14-22 EAST HANOVER STREET                   
   NEW BADEN         IL  62265
      11674  Warren-Boynton State Bank             MAIN STREET                                    
NEW BERLIN        IL  62670
      22654  Southwest Financial Bank and Trust C  400 EAST LINCOLN HIGHWAY        
               NEW LENOX         IL  60451
      11675  First State Bank of Newman            14 WEST YATES STREET                      
     NEWMAN            IL  61942



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page   6
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  CHI

        932  State Bank of Niantic                 200 EAST LEWIS STREET                          
NIANTIC           IL  62551
      18055  Plaza Bank, Norridge, Illinois        7460 WEST IRVING PARK ROAD             
        NORRIDGE          IL  60634
      20807  Harris Bank Oakbrook Terrace          17 W 695 ROOSEVELT ROAD             
           OAKBROOK TERRACE  IL  60181
      11300  Oakdale State Bank                    101 HIGH STREET                                
OAKDALE           IL  62268
      11724  United Community Bank                 106 SOUTH OAKWOOD STREET            
           OAKWOOD           IL  61858
      10464  Federated Bank                        107 NORTH CHESTNUT                             
ONARGA            IL  60955
      11739  State Bank of Orion                   1100 4TH STREET                                
ORION             IL  61273
      20930  The Heights Bank                      4717 NORTH PROSPECT ROAD                  
     PEORIA HEIGHTS    IL  61614
       5722  Philo Exchange Bank                   102 WEST WASHINGTON STREET           
          PHILO             IL  61864
      21923  The Bronson-Gore Bank in Prospect He  606 MILWAUKEE AVENUE            
               PROSPECT HEIGHTS  IL  60070
      10460  Town and Country Bank of Quincy       524 NORTH 30TH STREET                
          QUINCY            IL  62301
      12399  Crawford County State Bank            108 WEST MAIN                                  
ROBINSON          IL  62454
      18106  Harris Bank Arlington Meadows         3250 KIRCHOFF ROAD                        
     ROLLING MEADOWS   IL  60008
      27006  American Chartered Bank               1199 EAST HIGGINS ROAD                    
     SCHAUMBURG        IL  60173
      16925  Pinnacle Bank of the Quad Cities      11TH STREET AND 1ST AVENUE       
              SILVIS            IL  61282
      12087  Spring Valley City Bank               315 NORTH CORNELIA STREET               
       SPRING VALLEY     IL  61362
      10790  The Washburn Bank                     101 SOUTH JEFFERSON                          
  WASHBURN          IL  61570
      16667  Washington State Bank                 1110 PEORIA STREET                             
WASHINGTON        IL  61571
      26896  Westbank                              ONE WESTBROOK CORPORATE CENTER    
             WESTCHESTER       IL  60153
       1785  Harris Bank Woodstock                 101 SOUTH BENTON STREET                  
      WOODSTOCK         IL  60098
      10797  The Bank of Yorkville                 606 COUNTRYSIDE CENTER                      
   YORKVILLE         IL  60560

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- IL:       75


      13113  Peoples Trust and Savings Bank        123 SOUTH THIRD STREET               
          BOONVILLE         IN  47601
      25325  First State Bank                      SOUTH STATE ROAD 59                            
BRAZIL            IN  47834
      33801  Lincolnland Bank                      5 NORTH WASHINGTON STREET                
      DALE              IN  47523
        195  The Citizens Exchange Bank            102 SOUTH MAIN STREET                     
     FAIRMOUNT         IN  46928
      12828  The Farmers Bank, Frankfort, Indiana  9 EAST CLINTON STREET                
          FRANKFORT         IN  46041
      16400  Grabill Bank                          13505 MAIN STREET                              
GRABILL           IN  46741
      15632  Greenfield Banking Company            10 EAST MAIN STREET                        
    GREENFIELD        IN  46140
      13100  First of America Bank-Indiana         101 WEST OHIO STREET                       
    INDIANAPOLIS      IN  46204
      13843  Kentland Bank                         111 NORTH FOURTH STREET                       
 KENTLAND          IN  47951
       9538  The La Porte Savings Bank             710 INDIANA AVENUE                             
LA PORTE          IN  46350
      14578  Farmers State Bank                    216-218 SOUTH DETROIT STREET            
       LAGRANGE          IN  46761
       9290  Farmers State Bank                    MAIN STREET                                    
MENTONE           IN  46539
      14518  Valley American Bank and Trust Compa  101 NORTH MAIN STREET           
               SOUTH BEND        IN  46601
      18927  Frances Slocum Bank and Trust Compan  189 WEST MARKET STREET      
                   WABASH            IN  46992
      13099  American Trust & Savings Bank of Whi  1321 - 119TH STREET                     
       WHITING           IN  46394
      12854  Centier Bank                          1500 - 119TH STREET                            
WHITING           IN  46394

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- IN:       16


      14587  University Bank                       959 MAIDEN LANE                                 ANN
ARBOR         MI  48103
      11404  The West Michigan Savings Bank        232 WEST MONROE STREET          
               BANGOR            MI  49013
      14719  Chemical Bank Central                 125 NORTH MICHIGAN AVENUE              
        BIG RAPIDS        MI  49307
      12732  Independent Bank East Michigan        1111 WEST CARO ROAD                   
         CARO              MI  48723
      15064  Exchange State Bank                   MAIN STREET                                    
CARSONVILLE       MI  48419
      34008  Grand Haven Bank                      15 SOUTH SECOND STREET                     
    GRAND HAVEN       MI  49417
      14939  Peoples State Bank                    9252 JOS. CAMPAU AVENUE                      
  HAMTRAMCK         MI  48212



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page   7
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  CHI

       8180  Independent Bank                      230 WEST MAIN STREET                           
IONIA             MI  48846
      13930  Independent Bank - South Michigan     144 SOUTH MAIN STREET               
           LESLIE            MI  49251
      14921  Chemical Bank Key State               100 EAST MAIN STREET                         
  OWOSSO            MI  48867
      22094  Independent Bank-West Michigan        78 SOUTH MAIN                                
  ROCKFORD          MI  49341
      17210  Ruth State Bank                       7004 EAST ATWATER ROAD                         
RUTH              MI  48470

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- MI:       12


      13216  The Savings Bank                      118-120 NORTH COURT STREET               
      CIRCLEVILLE       OH  43113
      16317  The Glouster Community Bank           HIGH STREET                                    
GLOUSTER          OH  45732
       9433  The Richland Trust Company            3 NORTH MAIN STREET                       
     MANSFIELD         OH  44901
       9462  The Farmers and Merchants Bank        41 SOUTH FIRST STREET                 
         MIAMISBURG        OH  45342
      13716  The Middlefield Banking Company       15985 EAST HIGH STREET               
          MIDDLEFIELD       OH  44062
      32287  Geauga Savings Bank                   10800 KINSMAN ROAD                             
NEWBURY           OH  44065
      32298  The Metropolitan Savings Bank of Ohi  1 FEDERAL PLAZA WEST                
           YOUNGSTOWN        OH  44503

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- OH:        7


      14994  State Bank of Arcadia                 131 WEST MAIN STREET                           
ARCADIA           WI  54612
      15242  Northern State Bank                   321 WEST MAIN STREET                           
ASHLAND           WI  54806
      34052  Bay Bank                              2555 PACKERLAND DRIVE                          
ASHWAUBENON       WI  54313
      12342  Bancroft State Bank                   5496 MAIN STREET                               
BANCROFT          WI  54921
      15121  Jackson County Bank                   8 MAIN STREET                                  
BLACK RIVER FALL  WI  54615
      13580  Union Bank of Blair                   123 URBERG STREET                              
BLAIR             WI  54616
       9516  Green County Bank                     1035 1ST CENTER AVENUE                        
 BRODHEAD          WI  53520
       2467  Citizens State Bank                   304 NORTH MAIN STREET                          
CADOTT            WI  54727
      15093  Bank North                            COUNTY HIGHWAY A                               
CRIVITZ           WI  54114
      11625  State Bank of Drummond                MAIN STREET                                    
DRUMMOND          WI  54832
      26961  Community Bank of Elkhorn             10 NORTH LINCOLN STREET               
         ELKHORN           WI  53121
       5295  First American Bank & Trust Co.       70 NORTH MAIN STREET                      
     FORT ATKINSON     WI  53538
      11236  Horicon State Bank                    326 EAST LAKE STREET                           
HORICON           WI  53032
      12354  Hustisford State Bank                 201 SOUTH LAKE STREET                         
 HUSTISFORD        WI  53034
      10741  State Bank of Independence            103 WASHINGTON STREET                  
        INDEPENDENCE      WI  54747
      11600  State Bank of La Crosse               401 MAIN STREET                                
LA CROSSE         WI  54601
      18361  The Coulee State Bank                 1516 LOSEY BOULEVARD SOUTH          
           LA CROSSE         WI  54601
      12319  Lebanon State Bank                    528 NORTH HIGHWAY 109                        
  LEBANON           WI  53047
      34074  Capitol Bank                          710 NORTH HIGH POINT ROAD                      
MADISON           WI  53717
      15887  Marathon State Bank                   MAIN STREET                                    
MARATHON          WI  54448
      10004  Farmers State Bank                    86 EAST WATER STREET                           
MARKESAN          WI  53946
      12327  Bank of Mauston                       503 HIGHWAY 82 EAST                            
MAUSTON           WI  53948
      11232  Bank of Milton                        PARKVIEW DRIVE                                 
MILTON            WI  53563
      26218  Park Bank                             330 EAST KILBOURN AVENUE                       
MILWAUKEE         WI  53202
      28470  Reliance Savings Bank                 3140 SOUTH 27TH ST                             
MILWAUKEE         WI  53215
       2482  Nekoosa Port Edwards State Bank       405 MARKET STREET                        
      NEKOOSA           WI  54457
      10015  Security Bank                         119 MAIN STREET                                 NEW
AUBURN        WI  54757
      14800  Bank of New Richmond                  355 SOUTH KNOWLES AVENUE            
           NEW RICHMOND      WI  54017
       9529  State Bank of Newburg                 614 MAIN STREET                                
NEWBURG           WI  53060
      13664  Owen-Curtiss State Bank               328 NORTH CENTRAL AVENUE              
         OWEN              WI  54460
      12814  Peoples State Bank                    301-303 EAST BLACKHAWK AVENUE        
          PRAIRIE DU CHIEN  WI  53821
      12799  The Reedsburg Bank                    201 MAIN STREET                                
REEDSBURG         WI  53959



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page   8
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  CHI

      12323  Bank St. Croix                        500 WEST BOULEVARD                             
ROBERTS           WI  54023
      12781  State Bank of St. Cloud               MAIN STREET                                     ST.
CLOUD         WI  53079
      30516  Tomahawk Community Bank S.S.B.        15 EAST WISCONSIN AVENUE      
                 TOMAHAWK          WI  54487
      15231  Walworth State Bank                   KENOSHA STREET AND HIGHWAY 67     
             WALWORTH          WI  53184
      33994  American Community Bank               400 SCOTT STREET                             
  WAUSAU            WI  54402
      11228  The First Citizens State Bank of Whi  207 WEST MAIN STREET                   
        WHITEWATER        WI  53190

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- WI:       38


     TOTAL -- CRA EXAMS SCHEDULED FOR REGION -- CHI:     148

     REGION:  DAL

      26405  Eagle Bank                            1990 TENTH AVENUE WEST                         
BROOMFIELD        CO  80020
      26916  Collegiate Peaks Bank                 105 CENTENNIAL PLAZA                           
BUENA VISTA       CO  81211
      20674  The Citadel Bank                      745 CITADEL DRIVE EAST                         
COLORADO SPRINGS  CO  80932
      21132  Community Banks of Colorado           101 EAST WARREN                             
   CRIPPLE CREEK     CO  80813
      34040  First American State Bank             8101 EAST BELLEVIEW AVENUE            
         DENVER            CO  80237
      90634  First Community Industrial Bank       3600 EAST ALAMEDA PARKWAY,
SUITE 100            DENVER            CO  80209
      24899  MegaBank of Arapahoe                  8100 EAST ARAPAHOE ROAD                
        ENGLEWOOD         CO  80112
      23147  Poudre Valley Bank                    1520 EAST MULBERRY STREET                
      FORT COLLINS      CO  80524
      24500  Bank of Grand Junction                2415 F ROAD                                    
GRAND JUNCTION    CO  81505
      22938  Independent Bank                      227 FIRST STREET                               
KERSEY            CO  80644
      21690  Firstate Bank of Colorado             11210 HURON STREET                             
NORTHGLENN        CO  80233
      16890  Western Colorado Bank                 1640 GRANDE AVENUE                           
  NORWOOD           CO  81423
       1779  The Citizens State Bank of Ouray      600 MAIN STREET                                
OURAY             CO  81427
      22508  Paonia State Bank                     128 GRAND AVENUE                               
PAONIA            CO  81428
      12594  The Pueblo Bank and Trust Company     301 WEST 5TH STREET                
            PUEBLO            CO  81002
      19992  The Bank of Telluride                 238 EAST COLORADO AVENUE                 
      TELLURIDE         CO  81435

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- CO:       16


      16681  Citizens Bank                         211 EAST MAIN STREET                           
TUCUMCARI         NM  88401

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- NM:        1


       2326  The Arkansas Valley State Bank        302 SOUTH MAIN STREET                   
       BROKEN ARROW      OK  74012
      22430  Washita State Bank                    STATE HIGHWAY 44                               
BURNS FLAT        OK  73624
       4054  The Farmers Bank                      31 WEST MAIN STREET                            
CARNEGIE          OK  73015
       2305  The First State Bank of Commerce      101 NORTH MICKEY MANTLE
BOULEVARD               COMMERCE          OK  74339
      25137  United Bank                           3000 TOWER DRIVE                                DEL
CITY          OK  73115
       9473  First State Bank                      19979 N.E. 23RD STREET                         
HARRAH            OK  73045
      19490  Kingfisher Bank and Trust Co.         124 SOUTH MAIN STREET                    
      KINGFISHER        OK  73750
      19294  Park State Bank                       2414 NORTH WESTMINSTER ROAD            
        NICOMA PARK       OK  73066
       1165  The First Bank of Okarche             202 OKLAHOMA AVENUE                         
   OKARCHE           OK  73762
      18957  Guaranty Bank & Trust Co.             4631 N.W. 23RD STREET                       
   OKLAHOMA CITY     OK  73147
      26917  UMB Oklahoma Bank                     1217 SOUTH AGNEW STREET               
         OKLAHOMA CITY     OK  73108
      15296  First American Bank and Trust Compan  324 WEST MAIN STREET              
             PURCELL           OK  73080
      18152  The Spencer State Bank                8601 N.E. 51ST STREET                          
SPENCER           OK  73084



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page   9
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  DAL

      25703  The Bank of the West                  101 SOUTH MAIN                                 
THOMAS            OK  73669
      20537  American Bank and Trust Company       6100 SOUTH YALE AVENUE, ONE
WARREN PLACE        TULSA             OK  74136
      23349  Citizens Bank of Tulsa                2500 WEST EDISON STREET                     
   TULSA             OK  74127
        414  The Stock Exchange Bank               1115 TENTH STREET                              
WOODWARD          OK  73801

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- OK:       17


      11175  The First State Bank                  402 NINTH                                      
ABERNATHY         TX  79311
      26769  The Express Bank                      2900 SOUTH GORDON                              
ALVIN             TX  77511
      19999  Baytown State Bank                    1 BAY PLAZA                                    
BAYTOWN           TX  77520
      22932  Texas Bank and Trust of Brownsville   3201 CENTRAL BOULEVARD            
             BROWNSVILLE       TX  78520
      32623  First American Bank, S.S.B.           2800 SOUTH TEXAS AVENUE, SUITE
200              BRYAN             TX  77805
      16686  Union State Bank                      302 PENA STREET                                
CARRIZO SPRINGS   TX  78834
      11559  First State Bank and Trust Company    110 WEST PANOLA STREET            
             CARTHAGE          TX  75633
      13407  Farmers State Bank                    MAIN STREET                                    
CENTER            TX  75935
      19700  The International Bank                3649 LEOPARD STREET                            
CORPUS CHRISTI    TX  78408
      22084  First Texas Bank                      2650 ROYAL LANE                                
DALLAS            TX  75229
       9017  The Citizens State Bank of Dickinson  2401 TERMINI STREET                       
     DICKINSON         TX  77539
      17061  First State Bank                      MAIN STREET                                     DIME
BOX          TX  77853
      26738  The Eden State Bank                   MAIN STREET                                    
EDEN              TX  76837
      31050  Mid-Coast Savings Bank, SSB           601 NORTH WELLS                             
   EDNA              TX  77957
      19197  SUNWEST Bank of El Paso               416 NORTH STANTON STREET         
              EL PASO           TX  79987
       3185  Elgin Bank of Texas                   MAIN STREET                                    
ELGIN             TX  78621
      16593  Central Bank and Trust                777 WEST ROSEDALE STREET                
       FORT WORTH        TX  76101
      18812  Southwest Bank                        3737 S.W. LOOP 820                             
FORT WORTH        TX  76133
      22040  Grand Prairie State Bank              2341 SOUTH EAST EIGHTH STREET      
            GRAND PRAIRIE     TX  75051
      33218  Heights State Bank                    100 WEST CENTRAL TEXAS
EXPRESSWAY               HARKER HEIGHTS    TX  76543
      11166  First Valley Bank                     1901 SOUTH 77 SUNSHINE STRIP                
   HARLINGEN         TX  78550
      23420  Peoples State Bank                    2320 HIGHWAY 79 SOUTH                          
HENDERSON         TX  75652
      21074  Texas Bank                            1120 HIGHWAY 79 NORTH                          
HENDERSON         TX  75652
      32437  Charter Bank, S.S.B.                  4672 BEECHNUT STREET                           
HOUSTON           TX  77096
      27419  Compass Bank-Houston                  24 GREENWAY PLAZA                           
   HOUSTON           TX  77046
      20017  First Bank                            2824 HILLCROFT STREET                          
HOUSTON           TX  77057
      20263  Merchants Bank                        999 NORTH SHEPHERD DRIVE                    
   HOUSTON           TX  77008
      18344  Huntington State Bank                 MAIN STREET                                    
HUNTINGTON        TX  75949
      16722  First Farmers and Merchants Bank      100 NORTH WASHINGTON
STREET                     KAUFMAN           TX  75142
      23772  Commerce Bank                         2120 SAUNDERS AVENUE                          
 LAREDO            TX  78041
      16218  Lott State Bank                       FIRST AND GASSAWAY AVENUE                  
    LOTT              TX  76656
      21807  Lovelady State Bank                   STATE HIGHWAY 19                               
LOVELADY          TX  75851
      16701  American State Bank                   1401 AVENUE Q                                  
LUBBOCK           TX  79408
      13408  Security State Bank                   1001 SOUTH BURLESON STREET              
       MCCAMEY           TX  79752
       1491  Bosque County Bank of Meridian        100 WEST MORGAN STREET             
            MERIDIAN          TX  76665
      18621  First State Bank                      917 MILITARY PARKWAY                           
MESQUITE          TX  75149
      11144  First State Bank of Miami, Texas      100 SOUTH MAIN                                 
MIAMI             TX  79059
      15836  First State Bank                      107 WEST TAYLOR STREET                         
MORTON            TX  79346
      12299  First State Bank                      100 SOUTH WEST STREET                          
MOULTON           TX  77975
       9014  First State Bank                      MAIN STREET                                    
OVERTON           TX  75684
      17775  First State Bank                      TRUEHART AND MOSS STREETS                 
     PAINT ROCK        TX  76866
      18132  Pearland State Bank                   2301 NORTH MAIN STREET                       
  PEARLAND          TX  77581
      11154  First State Bank                      1523 MAIN                                      
PETERSBURG        TX  79250
      17739  Plains State Bank                     601 EAST 9TH STREET                            
PLAINS            TX  79355



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page  10
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  DAL

      18485  The First State Bank                  120 SOUTH AGNES STREET                       
  PREMONT           TX  78375
      11165  The First State Bank of Rankin        922 MAIN                                       
RANKIN            TX  79778
       3403  Bank of Texas                         116 EAST HIDALGO                               
RAYMONDVILLE      TX  78580
      11167  First State Bank                      MAIN STREET                                     RIO
VISTA         TX  76093
      26717  Home State Bank                       410 CAROTHERS AVENUE                          
 ROCHESTER         TX  79544
      15939  Peoples State Bank                    CORNER OF MAIN AND WELLS                 
      ROCKSPRINGS       TX  78880
      22105  Southwest Bank of San Angelo          KNICKERBOCKER ROAD AND
SUNSET DRIVE             SAN ANGELO        TX  76906
      18853  Cedar Creek Bank                      HIGHWAY 85                                     
SEVEN POINTS      TX  75143
      18301  First State Bank                      1 COMMERCE PARK                                
SHALLOWATER       TX  79363
      11151  First State Bank                      5550 SW H.K. DODGEN LOOP                       
TEMPLE            TX  76504
      18148  Citizens State Bank                   210 MAIN STREET                                
TENAHA            TX  75974
      18052  FirstBank                             3000 NEW BOSTON ROAD                           
TEXARKANA         TX  75501
      16308  Mainland Bank                         2831 PALMER HIGHWAY                            
TEXAS CITY        TX  77590
      18297  Southside Bank                        1201 SOUTH BECKHAM STREET                  
    TYLER             TX  75701
      17108  Community Bank                        WASHINGTON AVENUE AND 18TH
STREET               WACO              TX  76703
      20845  Wallis State Bank                     6516 NORTH RAILROAD STREET                
     WALLIS            TX  77485
      18677  The Security State Bank               MAIN STREET                                    
WINGATE           TX  79566
      22546  Winnsboro Bank and Trust              210 SOUTH MAIN STREET                     
     WINNSBORO         TX  75494

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- TX:       62


     TOTAL -- CRA EXAMS SCHEDULED FOR REGION -- DAL:      96

     REGION:  KC

      15414  Farmers Savings Bank                  502 8TH STREET, S.W.                           
ALTOONA           IA  50009
      13885  Farmers Savings Bank                  MAIN STREET                                    
BOYDEN            IA  51234
      14352  Rubio Savings Bank of Brighton, Iowa  112 EAST WASHINGTON STREET  
                   BRIGHTON          IA  52540
       8522  First State Bank                      1 MAIN AVENUE SOUTH                            
BRITT             IA  50423
      14195  Farmers Trust and Savings Bank        101-106 FIFTH STREET                      
     BUFFALO CENTER    IA  50424
      10893  Iowa State Bank                       102 WEST MAIN                                  
CALMAR            IA  52132
      19293  Iowa State Bank and Trust Company     720 MAIN STREET                           
     CENTER POINT      IA  52213
       8518  Cleghorn State Bank                   101 NORTH LEWIS AVENUE                       
  CLEGHORN          IA  51014
       9293  Gateway State Bank                    SIXTH AVENUE SOUTH AND SECOND
STREET            CLINTON           IA  52732
      14807  Farmers Savings Bank                  MAIN STREET                                    
COLESBURG         IA  52035
      18727  Peoples Bank of Columbus Junction     MAIN STREET                                   
 COLUMBUS JUNCTIO  IA  52738
      14690  Iowa Savings Bank                     116 FIFTH AVENUE                               
COON RAPIDS       IA  50058
        225  Peoples Savings Bank                  100 SOUTH MAIN                                 
CRAWFORDSVILLE    IA  52621
      18443  Cresco Union Savings Bank             111 NORTH ELM STREET                     
      CRESCO            IA  52136
       8511  Crawford County Trust and Savings Ba  11 NORTH MAIN STREET                
           DENISON           IA  51442
      20740  Brenton Bank                          400 LOCUST STREET                              
DES MOINES        IA  50309
      15674  Iowa Savings Bank                     561 MAIN STREET                                
DIKE              IA  50624
      15219  Dubuque Bank and Trust Company        1398 CENTRAL AVENUE                
            DUBUQUE           IA  52001
      27239  Liberty Bank and Trust                102 NORTH CLARK                                
FOREST CITY       IA  50436
      18284  Farmers Savings Bank                  MAIN STREET                                    
FOSTORIA          IA  51340
      14842  George State Bank                     MAIN STREET                                    
GEORGE            IA  51237
      13923  The First State Bank of Gowrie        1113 MARKET                                    
GOWRIE            IA  50543
      14692  Peoples Trust & Savings Bank          MAIN STREET                                    
GRAND JUNCTION    IA  50107
      11347  Grinnell State Bank                   814 FOURTH AVENUE                              
GRINNELL          IA  50112
      25267  Community State Bank                  1401 NORTH JEFFERSON, ORCHARD
PLAZA             INDIANOLA         IA  50125
      19535  Hawkeye State Bank                    229 SOUTH DUBUQUE STREET               
        IOWA CITY         IA  52240



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page  11
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  KC

      12855  Farmers State Bank                    1310 SIXTH STREET                              
JESUP             IA  50648
       1853  Keokuk Savings Bank and Trust Compan  501 MAIN STREET                        
        KEOKUK            IA  52632
      14694  Cedar Valley Bank & Trust             321 MAIN STREET                                
LA PORTE CITY     IA  50651
      15368  Security State Bank                   MAIN STREET                                     LAKE
PARK         IA  51347
      15736  State Bank of Lawler                  MAIN STREET                                    
LAWLER            IA  52154
        251  Valley Bank & Trust                   401 MAIN STREET                                
MAPLETON          IA  51034
      17731  Liberty Bank & Trust                  100 EAST STATE STREET                          
MASON CITY        IA  50401
      20121  First Iowa Bank                       307 SOUTH MAIN STREET                          
MONTICELLO        IA  52310
       8092  First Trust & Savings Bank            MAIN STREET                                    
MOVILLE           IA  51039
       8093  First State Bank                      26 WEST CONGRESS STREET                       
 NORA SPRINGS      IA  50458
      15052  Odebolt State Bank                    100 SOUTH MAIN STREET                          
ODEBOLT           IA  51458
      21039  Sioux County State Bank               107 ALBANY AVENUE, S.E.                      
  ORANGE CITY       IA  51041
      10901  The Ossian State Bank                 MAIN STREET                                    
OSSIAN            IA  52161
       9099  South Ottumwa Savings Bank            332 CHURCH STREET                          
    OTTUMWA           IA  52501
      17586  Farmers Savings Bank                  MAIN STREET                                    
PACKWOOD          IA  52580
       9100  Pilot Grove Savings Bank              MAIN STREET                                    
PILOT GROVE       IA  52648
        234  Pocahontas State Bank                 223 NORTH MAIN STREET                         
 POCAHONTAS        IA  50574
       9297  Farmers Savings Bank                  17 WEST SECOND STREET                      
    REMSEN            IA  51050
       4498  First State Bank                      109 WOODLAND AVENUE                            
RICEVILLE         IA  50466
      15831  Ruthven State Bank                    MAIN STREET                                    
RUTHVEN           IA  51358
      11352  Sanborn Savings Bank                  MAIN STREET                                    
SANBORN           IA  51248
       8102  Security State Bank                   934 THIRD AVENUE                               
SHELDON           IA  51201
      11764  Sibley State Bank                     803 FOURTH AVENUE                              
SIBLEY            IA  51249
      12126  Keokuk County State Bank              201 SOUTH JEFFERSON STREET        
             SIGOURNEY         IA  52591
       4509  First Bank and Trust                  MAIN STREET                                    
SPIRIT LAKE       IA  51360
      18384  Northeast Security Bank               SECOND AND CARPENTER                     
      SUMNER            IA  50674
       9104  American Savings Bank                 MAIN STREET                                    
TRIPOLI           IA  50676
      16432  Walker State Bank                     116 GREENE STREET                              
WALKER            IA  52352
       4516  First Bank                            1630 22ND STREET                                WEST
DES MOINES   IA  50265

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- IA:       55


      17652  The Alden State Bank                  MAIN STREET                                    
ALDEN             KS  67512
      17477  The State Bank of Axtell, Kansas      MAIN STREET                                    
AXTELL            KS  66403
      10907  Guaranty State Bank and Trust Compan  201 SOUTH MILL STREET            
              BELOIT            KS  67420
      15794  The First State Bank of Burlingame    111 SOUTH TOPEKA AVENUE           
             BURLINGAME        KS  66413
      17160  Cottonwood Valley Bank                MAIN STREET                                    
CEDAR POINT       KS  66843
      10908  De Soto State Bank                    SECOND STREET                                  
DE SOTO           KS  66018
       9660  The State Bank of Delphos             MAIN AND 2ND STREETS                        
   DELPHOS           KS  67436
      17569  Bank of Denton                        SECOND AND D STREETS                           
DENTON            KS  66017
       9659  State Bank of Downs                   900 NORTH MORGAN                               
DOWNS             KS  67437
      14952  The Lyon County State Bank            902 MERCHANT STREET                      
      EMPORIA           KS  66801
      21121  The Western State Bank                1402 KANSAS AVENUE                            
 GARDEN CITY       KS  67846
      17114  The Gorham State Bank                 MAIN STREET                                    
GORHAM            KS  67640
      15110  The Citizens State Bank               MAIN STREET                                    
HADDAM            KS  66944
      27178  Farmers and Merchants Bank of Hill C  301 MAIN STREET                            
    HILL CITY         KS  67642
      11772  Central Bank and Trust Company        101 WEST AVENUE A                        
      HUTCHINSON        KS  67501
      14463  Emprise Bank                          1 WEST MADISON STREET                          
IOLA              KS  66749
      17659  The Farmers' State Bank, of Jetmore,  MAIN STREET                                    
JETMORE           KS  67854
      24660  The Douglass Bank                     1314 NORTH FIFTH STREET                     
   KANSAS CITY       KS  66101
      12426  The First State Bank of Kansas City,  650 KANSAS AVENUE                         
     KANSAS CITY       KS  66105



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           Page  12
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  KC

      13155  Linn County Bank                      119 NORTH BROADWAY                             
LA CYGNE          KS  66040
      15194  The Kearny County Bank                221 NORTH MAIN STREET                     
     LAKIN             KS  67860
       1145  The Citizens State Bank, Liberal, Ka  711 NORTH KANSAS AVENUE            
            LIBERAL           KS  67901
       1365  Peoples Bank and Trust Company        101 SOUTH MAIN STREET                
          MCPHERSON         KS  67460
       4738  First Bank of Newton                  128 EAST BROADWAY                              
NEWTON            KS  67114
      21072  The Olathe Bank                       2002 EAST SANTA FE                             
OLATHE            KS  66062
      22173  Oak Park Bank                         11111 WEST 95TH STREET                         
OVERLAND PARK     KS  66204
      23099  The Bank of Protection                236 NORTH BROADWAY                            
 PROTECTION        KS  67127
      15469  The First State Bank of Ransom        MAIN STREET                                    
RANSOM            KS  67572
      17366  Reading State Bank                    MAIN STREET                                    
READING           KS  66868
      15083  The Sedgwick State Bank               514 COMMERCIAL STREET                    
      SEDGWICK          KS  67135
       8110  The State Bank of Spring Hill         201 SOUTH WEBSTER STREET              
         SPRING HILL       KS  66083
       1868  The Bank of Tescott                   MAIN STREET                                    
TESCOTT           KS  67484
      18100  Commerce Bank and Trust               3035 SOUTH TOPEKA AVENUE            
           TOPEKA            KS  66611
      13959  The Citizens Bank of Weir, Kansas     MAIN STREET                                    
WEIR              KS  66781
      13578  The Bank of Whitewater                126 SOUTH MAIN STREET                       
   WHITEWATER        KS  67154

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- KS:       35


       1396  Atwater State Bank                    MAIN STREET                                    
ATWATER           MN  56209
      16286  Canton State Bank                     MAIN STREET                                    
CANTON            MN  55922
      14979  Community Bank Cleveland              FOURTH AND BROADWAY                  
          CLEVELAND         MN  56017
      15416  Minnwest Bank Dawson                  690 SIXTH STREET                               
DAWSON            MN  56232
      12919  First American Bank of Detroit Lakes  115 EAST HOLMES STREET              
           DETROIT LAKES     MN  56501
      20268  Fidelity Bank                         7600 PARKLAWN AVENUE                           
EDINA             MN  55424
      10199  Ellsworth State Bank                  MAIN STREET                                    
ELLSWORTH         MN  56129
      10204  American State Bank of Erskine        VANCE STREET                                   
ERSKINE           MN  56535
       8186  Farmers' State Bank of Evansville     MAIN STREET                                    
EVANSVILLE        MN  56326
       1610  The State Bank of Faribault           428 CENTRAL AVENUE                             
FARIBAULT         MN  55021
      10186  First State Bank of Fertile           114 MILL STREET NORTH                          
FERTILE           MN  56540
      16778  Franklin State Bank                   MAIN STREET                                    
FRANKLIN          MN  55333
       8210  Freeport State Bank                   MAIN STREET                                    
FREEPORT          MN  56331
      26519  Frost State Bank                      MAIN STREET                                    
FROST             MN  56033
      15324  Security Bank & Trust Company         735 FRANKLIN STREET                      
      GLENCOE           MN  55336
      10954  Itasca State Bank of Grand Rapids     1215 POKEGAMA AVENUE SOUTH   
                  GRAND RAPIDS      MN  55744
      10562  Fidelity State Bank of Hector         MAIN STREET                                    
HECTOR            MN  55342
       8188  Community Bank Henderson              409-11 MAIN STREET                           
  HENDERSON         MN  56044
       8212  Exchange State Bank of Hills          STATE HIGHWAY 270 AND COUNTY
ROAD 6             HILLS             MN  56138
      10160  Security State Bank of Holdingford    MAIN STREET                                    
HOLDINGFORD       MN  56340
      10218  Citizens Bank & Trust Co.             102 MAIN STREET SOUTH                       
   HUTCHINSON        MN  55350
       9350  United Prairie Bank-Jackson           509 2ND STREET                                 
JACKSON           MN  56143
      10200  State Bank of Jeffers                 104 EAST WHITED STREET                         
JEFFERS           MN  56145
      15443  Lake Elmo Bank                        11465 39TH STREET NORTH                       
 LAKE ELMO         MN  55042
       8535  Farmers State Bank of Lester Prairie  500 CENTRAL AVENUE                       
      LESTER PRAIRIE    MN  55354
       8224  Minnwest Bank Luverne                 116 EAST MAIN                                  
LUVERNE           MN  56156
      16659  Northeast State Bank of Minneapolis   77 NORTHEAST BROADWAY            
              MINNEAPOLIS       MN  55413
      22242  Union Bank and Trust Company          312 CENTRAL AVENUE                      
       MINNEAPOLIS       MN  55414
      19188  First Minnetonka City Bank            14550 EXCELSIOR BOULEVARD             
         MINNETONKA        MN  55345
      10570  American Bank Moorhead                730 CENTER AVENUE                           
   MOORHEAD          MN  56560
       1928  Mountain Iron First State Bank        8401 8TH STREET SOUTH                      
    MOUNTAIN IRON     MN  55768
      10958  United Prairie Bank                   1141 THIRD AVENUE                              
MOUNTAIN LAKE     MN  56159



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page  13
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  KC

       9734  First State Bank of Murdock           MAIN STREET                                    
MURDOCK           MN  56271
       5216  The American Bank of Nashwauk         MAIN STREET                                    
NASHWAUK          MN  55769
       9735  State Bank of New Richland            103 NORTH BROADWAY                         
    NEW RICHLAND      MN  56072
       8540  Merchants State Bank of North Branch  SEVENTH AND ELM STREETS        
                NORTH BRANCH      MN  55056
       1933  Citizens State Bank of Norwood        409 FAXON ROAD                                 
NORWOOD           MN  55368
       1934  First State Bank of Okabena (Incorpo  MAIN STREET                                    
OKABENA           MN  56161
      19318  Farmers and Merchants State Bank      125 EAST JAMES STREET               
           PAYNESVILLE       MN  56362
       9744  Pine City State Bank                  HILLSIDE AND SIXTH STREETS                   
  PINE CITY         MN  55063
      10194  Pine River State Bank                 PARK AVENUE AND SECOND STREET     
             PINE RIVER        MN  56474
       8545  First State Bank of Rush City         4TH AND DANA STREETS                        
   RUSH CITY         MN  55069
       1901  Farmers and Merchants State Bank of   200 WEST MAPLE STREET              
            SACRED HEART      MN  56285
       8543  Citizens State Bank of Silver Lake    201 WEST MAIN STREET                      
     SILVER LAKE       MN  55381
       8205  Americana Community Bank              300 MAIN STREET WEST                     
      SLEEPY EYE        MN  56085
      17640  Capital Bank                          1020 RICE STREET                                ST.
PAUL          MN  55117
      12922  The Bank of Saint Paul                6 WEST FIFTH STREET                            
ST. PAUL          MN  55102
      12736  First Integrity Bank                  111 N.E. FOURTH STREET                         
STAPLES           MN  56479
      10961  Heartland State Bank                  MAIN STREET                                    
STORDEN           MN  56174
      10582  Citizens State Bank of Tyler, Incorp  MAIN STREET                                    
TYLER             MN  56178
       9760  Community Bank Vernon Center          MAIN STREET                                    
VERNON CENTER     MN  56090
       8864  Farmers State Bank of Watkins         MEEKER AND SECOND AVENUE         
              WATKINS           MN  55389
       9737  Farmers State Bank of Waubun, Incorp  MAIN STREET                                   
 WAUBUN            MN  56589
       8840  Peoples State Bank of Wells           MAIN STREET                                    
WELLS             MN  56097
      10168  White Rock State Bank                 ROUTE 2                                        
WHITE ROCK        MN  55009
       8867  Farmers State Bank of Fosston - Wing  MAIN STREET                                    
WINGER            MN  56592

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- MN:       56


       8276  Alton Bank                            MAIN STREET                                     ALTON     
       MO  65606
      16207  First Community Bank                  240 NORTH WALNUT STREET                  
      BERNIE            MO  63822
      10618  The Bethany Trust Company             101 NORTH 15TH STREET                  
        BETHANY           MO  64424
      16959  Bank of Billings                      MAIN STREET                                    
BILLINGS          MO  65610
       1648  Citizens Bank of Blythedale           MAIN STREET                                    
BLYTHEDALE        MO  64426
      33422  Boonslick Bank                        400 EAST SPRING STREET                         
BOONVILLE         MO  65233
      13066  Mercantile Bank of Pike County        317 WEST MAIN STREET                     
      BOWLING GREEN     MO  63334
       8295  O'Bannon Banking Company              119 SOUTH MAPLE                              
  BUFFALO           MO  65622
       8581  Citizens Bank of Missouri             101 SOUTH MAIN STREET                         
 CARL JUNCTION     MO  64834
      15546  Chillicothe State Bank                600 WASHINGTON STREET                        
  CHILLICOTHE       MO  64601
      12631  Citizens State Bank of Calhoun        608 EAST OHIO                                  
CLINTON           MO  64735
      13788  Concordia Bank of Concordia, Missour  504 MAIN STREET                           
     CONCORDIA         MO  64020
       9374  The Corder Bank                       227 NORTH LAFAYETTE STREET                
     CORDER            MO  64021
      14487  Tri-County State Bank of Eldorado Sp  101 SOUTH MAIN STREET               
           EL DORADO SPRING  MO  64744
      18033  Eminence Security Bank                MAIN STREET                                    
EMINENCE          MO  65466
       1949  Citizens Home Bank                    2 NORTH MAIN STREET                            
GREENFIELD        MO  65661
      13960  The Bank of Houston                   404 SOUTH GRAND                                
HOUSTON           MO  65483
       8884  Home Exchange Bank of Jamesport       MAIN STREET                                   
 JAMESPORT         MO  64648
      34016  Premier Bank                          815 WEST STADIUM BOULEVARD                 
    JEFFERSON CITY    MO  65109
      17933  Blue Ridge Bank and Trust Co.         4240 BLUE RIDGE BOULEVARD          
            KANSAS CITY       MO  64133
      26868  Hillcrest Bank                        5800 EAST BANNISTER ROAD                       
KANSAS CITY       MO  64134
      21120  Bank of Kimberling City               HIGHWAY 13 AND WILDWOOD LANE       
            KIMBERLING CITY   MO  65686
       1635  Bank of Kirksville                    214 SOUTH FRANKLIN STREET                      
KIRKSVILLE        MO  63501
      13381  Northeast Missouri State Bank         600 SOUTH BALTIMORE                       
     KIRKSVILLE        MO  63501



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page  14
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  KC

      16327  The Bank of La Belle                  NORTH ESTATE BETWEEN WOOD AND
POMEROY STREETS   LA BELLE          MO  63447
       1965  Farmers and Merchants Bank of La Gra  100 NORTH MAIN STREET             
             LA GRANGE         MO  63448
      11457  Lawson Bank                           401 NORTH PENN STREET                          
LAWSON            MO  64062
      12218  Peoples Security Bank                 MAIN STREET                                    
LICKING           MO  65542
      11466  Bank of Mansfield                     110 EAST COMMERCIAL                            
MANSFIELD         MO  65704
      11467  Boatmen's Bank of Marshall            102 EAST ARROW STREET                   
       MARSHALL          MO  65340
      14031  Citizens State Bank                   101 JEFFERSON STREET                           
MARSHFIELD        MO  65706
      26974  First Bank, CBC                       105 NORTH MAIN STREET                          
MARYVILLE         MO  64468
       1061  Mercantile Bank of Memphis            231 SOUTH MARKET                              
 MEMPHIS           MO  63555
       8270  Martinsburg Bank and Trust            400 SOUTH MULDROW                           
   MEXICO            MO  65265
      19954  Bank of Minden                        MAIN STREET                                    
MINDENMINES       MO  64769
      12624  Perry State Bank                      OLD HIGHWAY 36                                 
MONROE CITY       MO  63456
       8594  Montrose Savings Bank                 401 MISSOURI AVENUE                            
MONTROSE          MO  64770
       8592  Exchange Bank                         614-616 STATE STREET                           
MOUND CITY        MO  64470
      14701  Bank of New Madrid                    229 MAIN STREET                                
NEW MADRID        MO  63869
      16126  Citizens Bank of Newburg              MAIN STREET                                    
NEWBURG           MO  65550
       1063  Normandy Bank                         7151 NATURAL BRIDGE ROAD                     
  NORTHWOODS        MO  63121
       8289  The Citizens Bank of Oregon Missouri  125 WEST NODAWAY STREET        
                OREGON            MO  64473
      14309  Zook & Roecker State Bank             MAIN STREET                                    
OREGON            MO  64473
      11000  Central Bank of Lake of the Ozarks    U.S. HIGHWAY 54 AND HILL
HOLLOW ROAD            OSAGE BEACH       MO  65065
       1654  Ozark Bank                            PUBLIC SQUARE                                  
OZARK             MO  65721
      16162  First State Bank of Purdy             HIGHWAY C AND KAY AVENUE                
       PURDY             MO  65734
       9806  Security Bank                         606 EAST WALNUT                                 RICH
HILL         MO  64779
      14293  Citizens Bank & Trust                 101 NORTH MAIN STREET                          
ROCK PORT         MO  64482
       8572  Citizens Bank of Rogersville          100 FRONT STREET                               
ROGERSVILLE       MO  65742
      12210  Boatmen's Bank of Rolla               210 WEST 8TH STREET                           
 ROLLA             MO  65401
       8259  The Merchants and Farmers Bank of Sa  HIGHWAY 129                                 
   SALISBURY         MO  65281
       8306  Farmers State Bank of Northern Misso  THIRD AND MAIN                              
   SAVANNAH          MO  64485
      18380  First Independent Bank                HIGHWAYS 37 AND 112                            
SELIGMAN          MO  65745
      14056  Farmers and Merchants Bank of St. Cl  530 SOUTH MAIN STREET              
            ST. CLAIR         MO  63077
       8898  St. Johns Bank and Trust Company      8924 ST. CHARLES ROAD                 
         ST. JOHN          MO  63114
       1078  Allegiant Bank                        4323 NORTH GRAND BOULEVARD                 
    ST. LOUIS         MO  63107
       1081  Southwest Bank of St. Louis           2301 SOUTH KINGSHIGHWAY
BOULEVARD               ST. LOUIS         MO  63110
       1423  Sturgeon State Bank                   117 NORTH OGDEN                                
STURGEON          MO  65284
       8892  Bank of Sullivan                      318 WEST MAIN STREET                           
SULLIVAN          MO  63080
      12238  Summersville State Bank               MAIN STREET                                    
SUMMERSVILLE      MO  65571
       1658  Chemical Bank                         300 SOUTH MILLER STREET                        
SWEET SPRINGS     MO  65351
      10606  The Bank of Urbana                    MAIN STREET                                    
URBANA            MO  65767
      20115  The Quad County State Bank            STATE HIGHWAY 49                            
   VIBURNUM          MO  65566
      14074  UMB Bank, Warsaw                      201 MAIN STREET                                
WARSAW            MO  65355

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- MO:       64


       9420  The Union Bank                        1400 HIGHWAY 49 NORTH                          
BEULAH            ND  58523
      11517  The First State Bank of Casselton     2 SIXTH AVENUE NORTH                    
       CASSELTON         ND  58012
       8386  Drayton State Bank                    900 MAIN STREET                                
DRAYTON           ND  58225
       9423  Citizens State Bank Grafton-Petersbu  645 HILL AVENUE                               
 GRAFTON           ND  58237
       9128  Harwood State Bank                    108 MAIN STREET                                
HARWOOD           ND  58042
      23118  West River State Bank                 ADAMS AVENUE AND FOURTH STREET 
                HETTINGER         ND  58639
      16231  Security State Bank of Hunter         MAIN STREET                                    
HUNTER            ND  58048
      19396  Stutsman County State Bank            401 FIRST AVENUE SOUTH                  
       JAMESTOWN         ND  58401



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page  15
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  KC

      11519  Security State Bank of New Salem      ASH AVENUE                                     
NEW SALEM         ND  58563
       8382  Peoples Bank and Trust                MAIN STREET                                    
PARSHALL          ND  58770
      16082  The First and Farmers Bank            PARK AND MORRISON AVENUE           
            PORTLAND          ND  58274
      17096  Liberty State Bank                    MAIN STREET                                    
POWERS LAKE       ND  58773
       8950  Security State Bank of Robinson       101 SOUTH MAIN                                 
ROBINSON          ND  58478
       9120  Rolette State Bank                    209 MAIN STREET                                
ROLETTE           ND  58366
      16168  First State Bank Rolla                15 MAIN AVENUE EAST                            
ROLLA             ND  58367
      10250  Peoples State Bank of Velva           MAIN STREET                                    
VELVA             ND  58790

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- ND:       16


       1431  Arlington State Bank                  130 EAGLE STREET                               
ARLINGTON         NE  68002
      22552  Ashland State Bank                    2433 SILVER STREET                             
ASHLAND           NE  68003
      16330  Battle Creek State Bank               MAIN STREET                                    
BATTLE CREEK      NE  68715
      18712  Farmers State Bank                    MAIN STREET                                     BIG
SPRINGS       NE  69122
      13696  Nebraska State Bank                   MAIN STREET                                    
BRISTOW           NE  68719
      18748  Bruning State Bank                    MAIN STREET                                    
BRUNING           NE  68322
      10637  First Central Bank                    623 PATTERSON                                  
CAMBRIDGE         NE  69022
      16707  South Central State Bank              MAIN STREET                                    
CAMPBELL          NE  68932
      17356  Farmers State Bank                    MAIN STREET                                    
CARROLL           NE  68723
       8323  State Bank of Colon                   MAIN STREET                                    
COLON             NE  68018
       5396  City Bank & Trust Co.                 1139 MAIN AVENUE                               
CRETE             NE  68333
      17589  The Culbertson Bank                   MAIN STREET                                    
CULBERTSON        NE  69024
      18725  The Nebraska Security Bank            MAIN STREET                                    
DESHLER           NE  68340
      21809  Eagle State Bank                      MAIN STREET                                    
EAGLE             NE  68347
      17171  Commercial State Bank                 MAIN STREET                                    
ELSIE             NE  69134
      15402  The Fairbury State Bank               602 FIFTH STREET                               
FAIRBURY          NE  68352
      25591  Cedar Security Bank                   MAIN STREET                                    
FORDYCE           NE  68736
      18740  Geneva State Bank                     MAIN STREET                                    
GENEVA            NE  68361
      19274  Banner County Bank, Inc.              MAIN STREET                                    
HARRISBURG        NE  69345
      14313  Harvard State Bank                    302 NORTH CLAY AVENUE                         
 HARVARD           NE  68944
      13868  First State Bank                      SEVENTH AND CHESTNUT STREETS           
        HICKMAN           NE  68372
      13723  The State Bank of Hildreth            MAIN STREET                                    
HILDRETH          NE  68947
      22191  Kearney State Bank and Trust Company  3015 2ND AVENUE                        
        KEARNEY           NE  68847
      21704  Bank of Nebraska                      7223 SOUTH 84TH STREET                         
LA VISTA          NE  68128
      15266  Bank of Leigh                         MAIN STREET                                     LEIGH   
         NE  68643
      19850  West Gate Bank                        1204 WEST O STREET                             
LINCOLN           NE  68528
       5431  Sherman County Bank                   MAIN STREET                                    
LOUP CITY         NE  68853
      16516  Nebraska State Bank                   MAIN STREET                                    
LYNCH             NE  68746
      13611  Bank of Mead                          MAIN STREET                                     MEAD   
          NE  68041
      10653  The Murray State Bank                 MAIN STREET                                    
MURRAY            NE  68409
      20927  Nebraska State Bank of Omaha          3211 NORTH 90TH STREEET            
            OMAHA             NE  68134
       9819  Nebraska State Bank                   280 MAIN STREET                                
OSHKOSH           NE  69154
       8329  Pender State Bank                     MAIN STREET                                    
PENDER            NE  68047
      14326  Peoples-Webster County Bank           126 WEST FOURTH STREET             
            RED CLOUD         NE  68970
       5415  The Security Bank, Sidney             1205 JACKSON STREET                           
 SIDNEY            NE  69162
       8354  Nebraska State Bank                   2021 DAKOTA AVENUE                             
SOUTH SIOUX CITY  NE  68776
       9820  Bank of Stapleton                     MAIN STREET                                    
STAPLETON         NE  69163
       8333  First Tri County Bank                 MAIN STREET                                    
SWANTON           NE  68445
      15774  The Tilden Bank                       MAIN STREET                                    
TILDEN            NE  68781
      12251  Wauneta Falls Bank                    202 NORTH TECUMSEH                             
WAUNETA           NE  69045



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page  16
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  KC

      16912  Nebraska State Bank                   MAIN STREET                                    
WESTERN           NE  68464
      17145  Bank of Wood River                    MAIN STREET                                    
WOOD RIVER        NE  68883

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- NE:       42


      11133  Farmers State Bank of Canton          220 EAST FIFTH STREET                     
     CANTON            SD  57013
       1685  The First Western Bank Custer         648 MT. RUSHMORE ROAD                  
        CUSTER            SD  57730
       9002  Peoples State Bank                    212 CALUMET AVENUE, S.E.                       
DE SMET           SD  57231
       1673  1st Financial Bank South Dakota       MAIN STREET                                    
DUPREE            SD  57623
       9947  Valley Exchange Bank                  MAIN STREET                                    
LENNOX            SD  57039
      16100  Hurley State Bank                     811 EAST 10TH STREET                           
SIOUX FALLS       SD  57103
      26773  The First Western Bank Sturgis        1200 MAIN STREET                               
STURGIS           SD  57785
      29285  Bank of South Dakota                  109 FIRST AVENUE SOUTHEAST             
        WATERTOWN         SD  57201

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- SD:        8


     TOTAL -- CRA EXAMS SCHEDULED FOR REGION -- KC :     276

     REGION:  MEM

       3852  Citizens First Bank                   5TH AND MAIN STREETS                           
ARKADELPHIA       AR  71923
       1756  Bank of Blevins                       CENTER STREET                                  
BLEVINS           AR  71825
       8733  American State Bank                   MAIN STREET                                    
CHARLESTON        AR  72933
        107  The Merchants & Planters Bank         297 MADISON STREET                          
   CLARENDON         AR  72029
      14749  Bank of Dardanelle                    102 NORTH FRONT STREET                       
  DARDANELLE        AR  72834
       1296  Farmers Bank                          125 WEST CENTER                                
GREENWOOD         AR  72936
      11241  Bank of Holly Grove                   MAIN STREET                                    
HOLLY GROVE       AR  72069
      33470  First State Bank                      HIGHWAY 68 WEST                                
HUNTSVILLE        AR  72740
       5627  Pine State Bank                       FIRST STREET                                   
KINGSLAND         AR  71652
      15547  Bank of Lake Village                  101 MAIN STREET                                
LAKE VILLAGE      AR  71653
      26268  Bank of Lockesburg                    MAIN AND REDBUD STREETS                   
     LOCKESBURG        AR  71846
       1291  Farmers Bank & Trust Company          200 EAST MAIN                                  
MAGNOLIA          AR  71753
      15086  Mercantile Bank of Central Arkansas   ONE RIVERFRONT PLACE                
           NORTH LITTLE ROC  AR  72119
      15506  Bank of the Ozarks wca                601 WEST COMMERICAL STREET          
           OZARK             AR  72949
      18577  Planters and Stockmen Bank            205 RICE STREET                                
POCAHONTAS        AR  72455
      11243  Bank of Salem                         202 CHURCH STREET                              
SALEM             AR  72576
       5634  Bank of Star City                     JEFFERSON STREET                               
STAR CITY         AR  71667
       3893  First Stuttgart Bank and Trust Compa  412 SOUTH MAIN STREET                 
         STUTTGART         AR  72160
      11251  The Arkansas Bank                     212 WEST WALNUT STREET                     
    WALNUT RIDGE      AR  72476

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- AR:       19


       5838  Farmers State Bank                    MAIN STREET                                    
BOONEVILLE        KY  41314
      13167  Bank of Clarkson                      101 EAST MAIN STREET                           
CLARKSON          KY  42726
       9304  Bank of Ohio County, Inc.             MAIN STREET                                    
DUNDEE            KY  42338
       8117  Peoples Bank & Trust Company of Haza  MAIN STREET                                 
   HAZARD            KY  41701
      18620  Citizens Bank & Trust Co. of Jackson  1138 MAIN STREET                            
   JACKSON           KY  41339
      33829  THE BANK - Oldham County, Inc.        515 SOUTH FIRST STREET              
           LAGRANGE          KY  40031
        258  Stock Yards Bank & Trust Company      1040 EAST MAIN STREET                 
         LOUISVILLE        KY  40232



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page  17
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  MEM

      10139  Citizens Bank of Kentucky             149 SOUTH MAIN STREET                       
   MADISONVILLE      KY  42431
      21247  Exchange Bank                         223 SOUTH SIXTH STREET                         
MAYFIELD          KY  42066
        291  Jackson County Bank                   GODFREY STREET                                 
MCKEE             KY  40447
      10520  The Citizens Bank                     114 WEST MAIN STREET                           
MOREHEAD          KY  40351
       5861  Citizens Bank and Trust Company of P  333 BROADWAY                               
    PADUCAH           KY  42001
      12166  West Point Bank                       600 WEST LINCOLN TRAIL BOULEVARD    
           RADCLIFF          KY  40160
       2724  First and Farmers Bank of Somerset,   FOUNTAIN SQUARE                           
     SOMERSET          KY  42501
      12165  Citizens Deposit Bank & Trust         MAIN STREET                                    
VANCEBURG         KY  41179
       9310  Commercial Bank                       MAIN STREET                                    
WEST LIBERTY      KY  41472
        280  The Bank of Whitesburg                104 MAIN STREET                                
WHITESBURG        KY  41858

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- KY:       17


      20353  Gulf Coast Bank                       221 SOUTH STATE STREET                         
ABBEVILLE         LA  70510
      10525  The St. Mary Bank and Trust Company   1504 HOSPITAL AVENUE               
            FRANKLIN          LA  70538
      26564  The Louisiana Delta Bank              406 LAKE STREET                                
LAKE PROVIDENCE   LA  71254
      13951  The Bank of Logansport                SECOND AVENUE                                  
LOGANSPORT        LA  71049
       8141  Sabine State Bank and Trust Company   390 MAIN STREET                           
     MANY              LA  71449
       8800  The Union Bank                        300 NORTH MAIN STREET                          
MARKSVILLE        LA  71351
      13073  Assumption Bank and Trust Company     110 FRANKLIN STREET                 
           NAPOLEONVILLE     LA  70390
      17878  Bank of Louisiana                     300 ST. CHARLES AVENUE                         
NEW ORLEANS       LA  70130
      33405  First Bank and Trust                  909 POYDRAS STREET                             
NEW ORLEANS       LA  70112
      21529  Bank of Oak Ridge                     MAIN STREET                                     OAK
RIDGE         LA  71264
       8802  Bank of Saline                        MAIN STREET                                     SALINE  
         LA  71070
       9322  Cross Keys Bank                       MAIN STREET                                     ST.
JOSEPH        LA  71366
      12611  The Evangeline Bank and Trust Co.     515 WEST MAIN STREET                 
          VILLE PLATTE      LA  70586
       1374  The Bank of Commerce                  390 BOWIE STREET                               
WHITE CASTLE      LA  70788

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- LA:       14


       8229  Union Planters Bank of Northwest Mis  205 EAST 2ND STREET                     
       CLARKSDALE        MS  38614
       9359  Bank of Commerce                      310 HOWARD STREET                              
GREENWOOD         MS  38930
      12441  Hancock Bank                          1 HANCOCK PLAZA                                
GULFPORT          MS  39501
      34051  Union Planters Bank of Southern Miss  110 SOUTH 40TH AVENUE              
            HATTIESBURG       MS  39402
      34050  Union Planters Bank of Central Missi  329 EAST CAPITOL STREET              
          JACKSON           MS  39201
      21906  Citizens State Bank                   220 NORTH MAIN AVENUE                          
MAGEE             MS  39111
      12203  Merchants & Marine Bank               3118 PASCAGOULA STREET                 
        PASCAGOULA        MS  39567
      12204  The Citizens Bank of Philadelphia, M  521 MAIN STREET                              
  PHILADELPHIA      MS  39350
      10585  Smith County Bank                     MAIN STREET                                    
TAYLORSVILLE      MS  39168
       8557  Planters Bank                         1202 EAST EDWARDS                              
TUNICA            MS  38676
      11431  Bank of Yazoo City                    300 SOUTH MAIN STREET                          
YAZOO CITY        MS  39194

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- MS:       11


       9188  Farmers & Merchants Bank              MAIN STREET                                    
ADAMSVILLE        TN  38310
      22756  People's Bank and Trust Company of P  19 COURTHOUSE SQUARE           
                BYRDSTOWN         TN  38549
       9191  The Union Savings Bank                101 SOUTHSIDE SQUARE                       
    COVINGTON         TN  38019
      17327  Bank of Dickson                       466 HIGHWAY 46                                 
DICKSON           TN  37055
      20720  Tennessee State Bank                  HIGHWAY 73 AND ROARING FORK
ROAD                GATLINBURG        TN  37738



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page  18
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  MEM

       1466  The First State Bank                  MAIN STREET                                    
JACKSBORO         TN  37757
      33417  First Central Bank                    725 HIGHWAY 321 NORTH                          
LENOIR CITY       TN  37771
       1474  Peoples and Union Bank                260 NORTH ELLINGTON PARKWAY       
             LEWISBURG         TN  37091
       6106  Planters Bank of Maury City           MAIN STREET                                    
MAURY CITY        TN  38050
      13955  McKenzie Banking Company              202 MAIN STREET                               
 MCKENZIE          TN  38201
      33851  The Bank of Milan                     2011 EAST VAN HOOK STREET                   
   MILAN             TN  38358
       1695  Citizens Bank                         BROAD STREET AND OAK AVENUE                
    NEW TAZEWELL      TN  37825
       2391  Security Bank                         602 WEST MAIN STREET                           
NEWBERN           TN  38059
       6109  First Trust and Savings Bank, Oneida  231 MAIN STREET                              
  ONEIDA            TN  37841
       9199  Reelfoot Bank                         U.S. HIGHWAY 45 AND STATE HIGHWAY 22 
          UNION CITY        TN  38261
      15205  The Farmers Bank, Woodland Mills, Te  MAIN STREET                                 
   WOODLAND MILLS    TN  38271

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- TN:       16


     TOTAL -- CRA EXAMS SCHEDULED FOR REGION -- MEM:      77

     REGION:  NY

      27575  Discover Card Bank of New Castle      12 READ'S WAY                                 
 NEW CASTLE        DE  19720
       5649  Greenwood Trust Company               12 READ'S WAY                                  
NEWCASTLE         DE  19720
      26332  First USA Bank                        902 NORTH MARKET STREET                       
 WILMINGTON        DE  19801
      33981  NatWest Bank (Delaware)               824 MARKET STREET                            
  WILMINGTON        DE  19899
      23702  The Chase Manhattan Bank (USA)        802 DELAWARE AVENUE, 14TH
FLOOR                 WILMINGTON        DE  19801

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- DE:        5


       5877  The Chestertown Bank of Maryland      HIGH STREET                                    
CHESTERTOWN       MD  21620
      27244  The Columbia Bank                     10480 LITTLE PATUXENT PARKWAY        
          COLUMBIA          MD  21044
       9694  Farmers & Merchants Bank and Trust    59 WEST WASHINGTON STREET   
                   HAGERSTOWN        MD  21740

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- MD:        3


      29170  United Roosevelt Savings Bank         11-15 COOKE AVE                               
 CARTERET          NJ  7008
      27339  Covenant Bank for Savings             18 KINGS HIGHWAY WEST                    
      HADDONFIELD       NJ  8033
      21753  First State Bank                      ROUTE 9 AT SALEM HILL ROAD                    
 HOWELL TOWNSHIP   NJ  7731
      12010  Provident Savings Bank                WASHINGTON AND YORK STREETS      
              JERSEY CITY       NJ  7303
      30099  Metuchen Savings Bank                 429 MAIN ST                                    
METUCHEN          NJ  8840
      27387  Ironbound Bank                        36 PACIFIC STREET                              
NEWARK            NJ  7102
      14940  The Newton Trust Company              30 PARK PLACE                                  
NEWTON            NJ  7860
      13074  Hudson City Savings Bank              WEST 80 CENTURY ROAD                    
       PARAMUS           NJ  7652

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- NJ:        8


      15999  Cohoes Savings Bank                   75 REMEN STREET                                
COHOES            NY  12047
       1464  Bank of Holland                       MAIN STREET                                    
HOLLAND           NY  14080
      12936  Steuben Trust Company                 82 MAIN STREET                                 
HORNELL           NY  14843
      15969  Rondout Savings Bank                  300 BROADWAY                                   
KINGSTON          NY  12401
      16004  Lockport Savings Bank                 55-63 EAST AVENUE                              
LOCKPORT          NY  14094



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page  19
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  NY

       5915  Atlantic Bank of New York             960 AVENUE OF THE AMERICAS             
        NEW YORK CITY     NY  10001
       9828  Banco Central Hispano-USA             50 BROADWAY                                    
NEW YORK CITY     NY  10004
      19977  Israel Discount Bank of New York      511 FIFTH AVENUE                              
 NEW YORK CITY     NY  10017
      25822  LTCB Trust Company                    165 BROADWAY                                   
NEW YORK CITY     NY  10006
      15975  The Oneida Savings Bank               182 MAIN STREET                                
ONEIDA            NY  13421
      15980  Pawling Savings Bank                  86 STATE ROUTE 22                              
PAWLING           NY  12564
      20741  Pioneer Savings Bank                  21 SECOND STREET                               
TROY              NY  12181
      16073  The Troy Savings Bank                 32 SECOND STREET                               
TROY              NY  12181

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- NY:       13


      27942  Abington Savings Bank                 180 OLD YORK ROAD                              
ABINGTON          PA  19046
       9896  Mid-State Bank and Trust Company      1130 12TH AVENUE                           
    ALTOONA           PA  16603
      31595  First Star Savings Bank               418 WEST BROAD STREET                       
   BETHLEHEM         PA  18018
      30544  Marquette Savings Bank                920 PEACH STREET                               
ERIE              PA  16501
      12986  Bank of Hanover and Trust Company     25 CARLISLE STREET                    
         HANOVER           PA  17331
      30174  Harris Savings Bank                   SECOND AND PINE STREETS                    
    HARRISBURG        PA  17105
      14359  Jersey Shore State Bank               115 SOUTH MAIN STREET                       
   JERSEY SHORE      PA  17740
      18962  Royal Bank of Pennsylvania            U.S. ROUTE 202 AND WARNER ROAD 
                KING OF PRUSSIA   PA  19406
      34042  FirstService Bank                     139 SOUTH BROAD STREET                        
 LANSDALE          PA  19446
      27757  Standard Bank, PaSB                   3875 OLD WILLIAM PENN HIGHWAY       
           MURRYSVILLE       PA  15668
      12291  Old Forge Bank                        216 SOUTH MAIN STREET                          
OLD FORGE         PA  18518
      27760  West View Savings Bank                9001 PERRY HIGHWAY                          
   PITTSBURGH        PA  15237
       8421  West Milton State Bank                LEGISLATIVE ROUTE 475                          
WEST MILTON       PA  17886

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- PA:       13


      32185  R-G Premier Bank of Puerto Rico       280 JESUS T. PINERO AVENUE         
            HATO REY          PR  918
      26592  The Bank and Trust of Puerto Rico     #250 LUIS MUNOZ RIVERA AVENUE 
                 HATO REY          PR  918
      31027  Westernbank Puerto Rico               19 W MCKINLEY ST                               
MAYAGUEZ          PR  680

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- PR:        3


      33990  Bank of St. Croix, Inc.               5025 ANCHOR WAY, GALLOWS BAY
MARKETPLACE        CHRISTIANSTED     VI  820

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- VI:        1


     TOTAL -- CRA EXAMS SCHEDULED FOR REGION -- NY :      46

     REGION:  SF

      32277  Eastern International Bank            328 WEST VALLEY BOULEVARD             
         ALHAMBRA          CA  91803
      26615  Golden Security Thrift and Loan Asso  30 WEST VALLEY BOULEVARD       
                ALHAMBRA          CA  91801
      25653  Fremont Investment & Loan             175 NORTH RIVERVIEW DRIVE            
          ANAHEIM           CA  92817
      22428  Great Valley Bank                     2501 EAST WHITMORE AVENUE                 
     CERES             CA  95307
      23888  California State Bank                 925 WEST BADILLO STREET                      
  COVINA            CA  91722
      21104  Foothill Independent Bank             510 SOUTH GRANDE AVENUE                
        GLENDORA          CA  91740
      20852  Grossmont Bank                        5500 GROSSMONT CENTER DRIVE           
         LA MESA           CA  92041



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page  20
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  SF

      23339  Antelope Valley Bank                  831 WEST LANCASTER BOULEVARD       
            LANCASTER         CA  93534
      21581  Harbor Bank                           11 GOLDEN SHORE AVENUE                         
LONG BEACH        CA  90802
      27338  California Cho Hung Bank              3000 WEST OLYMPIC BOULEVARD       
             LOS ANGELES       CA  90006
      19198  Century Bank                          3701 WILSHIRE BOULEVARD, SECOND
FLOOR           LOS ANGELES       CA  90010
      33661  United Mizrahi Bank, Ltd.             611 WILSHIRE BOULEVARD, SUITE 700  
            LOS ANGELES       CA  90017
      23301  Wilshire State Bank                   3200 WILSHIRE BOULEVARD                      
  LOS ANGELES       CA  90010
      26363  Community Thrift and Loan Associatio  2323 SOUTH ATLANTIC
BOULEVARD                   MONTEREY PARK     CA  91754
      32743  New West Thrift and Loan Company      1400 GRANT AVENUE                     
         NOVATO            CA  94945
      23595  Golden Pacific Bank                   845 NORTH EUCLID AVENUE                     
   ONTARIO           CA  91762
      25870  Finance and Thrift Company            268 NORTH MAIN STREET                    
      PORTERVILLE       CA  93257
      33340  First Continental Bank                8632 EAST VALLEY BOULEVARD               
      ROSEMEAD          CA  91770
      22206  Mercantile Bank                       455 CAPITOL MALL, SUITE 104                    
SACRAMENTO        CA  95814
      25305  Sacramento Commercial Bank            525 J STREET                                   
SACRAMENTO        CA  95814
      24243  Bank of Salinas                       301 SOUTH MAIN STREET                          
SALINAS           CA  93902
      25070  Bank of San Bernardino                505 WEST SECOND STREET                   
      SAN BERNARDINO    CA  92401
      17187  The Sumitomo Bank of California       320 CALIFORNIA STREET                   
       SAN FRANCISCO     CA  94104
      22087  Franklin Bank                         777 MARINERS ISLAND BOULEVARD            
      SAN MATEO         CA  94404
      22713  City Commerce Bank                    33 EAST CARRILLO STREET                    
    SANTA BARBARA     CA  93101
      21956  The Bank of Montecito                 1010 STATE STREET                              
SANTA BARBARA     CA  93101
      21398  Republic Bank                         23133 HAWTHORNE BOULEVARD                
      TORRANCE          CA  90505
      23323  Truckee River Bank                    10069 BRIDGE STREET                            
TRUCKEE           CA  95734
      20164  Sunwest Bank                          535 EAST FIRST STREET                          
TUSTIN            CA  92680
      23066  Desert Community Bank                 14800 LA PAZ DRIVE                             
VICTORVILLE       CA  92392

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- CA:       30


      26539  Bank of the Federated States of Micr  TOSIE COMMERCIAL BLDG., MAIN
ST.                KOSRAE            FM  96944

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- FM:        1


      25147  Commercial Credit Corporation (Hawai  91 SOUTH KING STREET                
           HONOLULU          HI  96813
      24989  First Hawaiian Creditcorp, Inc.       1314 SOUTH KING STREET, 2ND
FLOOR               HONOLULU          HI  96814
      25106  Rainbow Financial Corporation         841 BISHOP STREET, SUITE 142        
           HONOLULU          HI  96813

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- HI:        3


      33845  Idaho Independent Bank                912 NORTHWEST BOULEVARD              
          COEUR D'ALENE     ID  83814
      18059  The Bank of Commerce                  1020 NORTH GATE MILE                        
   IDAHO FALLS       ID  83401

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- ID:        2


      19964  First Citizens Bank of Billings       2810 FIRST AVENUE NORTH                    
    BILLINGS          MT  59101
      34044  Stockman Bank of Montana              2700 KING AVENUE WEST                   
       BILLINGS          MT  59108
        357  State Bank & Trust Co.                IDAHO AND GLENDALE STREETS              
       DILLON            MT  59725
      11823  The Manhattan State Bank              118 SOUTH BROADWAY                        
     MANHATTAN         MT  59741
      11014  Traders State Bank of Poplar Montana  214 SECOND AVENUE                     
         POPLAR            MT  59255
      20479  First Security Bank of Roundup        401 MAIN STREET                                
ROUNDUP           MT  59072
      11013  The First State Bank of Shelby        260 MAIN STREET                                
SHELBY            MT  59474



      6/04/96                                           COMMUNITY REINVESTMENT ACT                    
           Page  21
                                                         EXAMINATIONS SCHEDULED
                                                            THIRD QUARTER 1996


     CERT    BANK NAME                             ADDRESS                                         CITY     
        ST  ZIP
     ------  ------------------------------------  ----------------------------------------------  ---------------- 
--  -----

     REGION:  SF

      19593  1st Security Bank of West Yellowston  23 DUNRAVEN STREET                    
         WEST YELLOWSTONE  MT  59758

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- MT:        8


      22989  American Bank of Commerce             4425 SPRING MOUNTAIN ROAD        
              LAS VEGAS         NV  89102
      18113  Nevada State Bank                     4TH AND CARSON STREETS                     
    LAS VEGAS         NV  89101
      23905  Sun State Bank                        4240 WEST FLAMINGO AVENUE                  
    LAS VEGAS         NV  89103

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- NV:        3


      16243  Bank of Eastern Oregon                MAIN STREET                                    
ARLINGTON         OR  97812
      22407  Bank of the Cascades                  1700 N.E. THIRD AVENUE                         
BEND              OR  97701
      16676  Inland Empire Bank                    101 MAIN STREET                                
HERMISTON         OR  97838
      17445  Bank of Wallowa County                MAIN AND ALDER STREETS                   
      JOSEPH            OR  97846
      16259  Bank of Commerce                      13 N.E. 5TH STREET                             
MILTON-FREEWATER  OR  97862
       2345  The Bank of Newport                   506 S.W. COAST HIGHWAY                        
 NEWPORT           OR  97365
      17266  South Umpqua State Bank               445 S.E. MAIN STREET                          
 ROSEBURG          OR  97470
      33313  Bank of Salem                         615 HIGH STREET, N.E.                          
SALEM             OR  97308
      22743  First Security Bank of Oregon         580 STATE STREET, NORTHEAST        
            SALEM             OR  97301

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- OR:        9


      34064  First USA Financial Services, Inc.    6056 FASHION SQUARE DRIVE,
SUITE 201            MURRAY            UT  84107
      33823  Orem Community Bank                   49 WEST 1300 SOUTH                            
 OREM              UT  84058
      26764  American Investment Financial         820 EAST 9400 SOUTH                         
   SANDY             UT  84070
      33792  Associates Investment Corporation     10 NORTH 400 EAST                          
    ST. GEORGE        UT  84770

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- UT:        4


      32977  Cascade Community Bank                25 16TH STREET, N.E.                          
 AUBURN            WA  98002
      33696  Bank of Bellingham                    211 EAST HOLLY STREET                          
BELLINGHAM        WA  98225
       1265  Cashmere Valley Bank                  117 DIVISION STREET                            
CASHMERE          WA  98815
      19848  Klickitat Valley Bank                 202 WEST MAIN STREET                           
GOLDENDALE        WA  98620
      23745  Pend Oreille Bank                     WALNUT STREET AND WASHINGTON
AVENUE             NEWPORT           WA  99156
      30887  InterWest Savings Bank                1259 WEST PIONEER WAY/ISLAND        
           OAK HARBOR        WA  98277
      33183  Sound Banking Company                 6113 AND 6115 MT. TACOMA DRIVE,
S.W.            TACOMA            WA  98499
      27246  Prairie Security Bank                 608 YELM AVENUE EAST                           
YELM              WA  98597

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- WA:        8


      31966  Security First Bank                   2501 EAST LINCOLN WAY                          
CHEYENNE          WY  82001

     TOTAL -- CRA EXAMS SCHEDULED FOR STATE -- WY:        1


     TOTAL -- CRA EXAMS SCHEDULED FOR REGION -- SF :      69
     TOTAL -- CRA EXAMS SCHEDULED FOR 3RD QUARTER - FDIC:     863

Last Updated 07/14/1999 communications@fdic.gov