Actions taken by the Federal Reserve Bank of Cleveland
under delegated authority

Bank Branches, Domestic
Provident Bank, Cincinnati, Ohio -- to establish a branch at 7172 Cincinnati-Dayton Road, West Chester, Ohio.
- Approved, December 30, 1997

Farmers Citizens Bank, Bucyrus, Ohio -- to establish a branch in Cardington, Ohio.
- Approved, November 26, 1997

Citizens Deposit Bank and Trust Company, Vanceburg, Kentucky -- to establish a branch at HC 73 Box 20.
- Approved, November 21, 1997

Fifth Third Bank of Northwestern Ohio, Dayton, Ohio -- to establish a branch at 2989 Derr Road, Springfield, Ohio.
- Approved, November 21, 1997

Hocking Valley Bank, Athens, Ohio -- to establish a branch at 11 Mill Street, Coolville, Ohio.
- Approved, November 10, 1997

Hocking Valley Bank, Athens, Ohio -- to establish a branch at 118 North Plains Road, The Plains, Ohio.
- Approved, October 31, 1997

Heartland Bank, Croton, Ohio -- to establish a branch at 6887 East Main Street, Reynoldsburg, Ohio.
- Approved (10 KB PDF) , October 3, 1997

Fifth Third Bank of Columbus, Columbus, Ohio -- to acquire three branches of Great Lakes National Bank Ohio, Hamilton, Ohio.
- Approved (12 KB PDF) , July 31, 1997

Fifth Third Bank of Northern Kentucky, Covington, Kentucky -- to establish a branch at 5018 Kentucky Route 16, Taylor Mill, Kentucky.
- Approved (11 KB PDF) , June 30, 1997

Andover Bank, Andover, Ohio, to establish a branch at the intersection of Sandusky Street and State Street, Conneaut, Ohio -- report on competitive factors.
- Submitted, June 27, 1997

Fifth Third Bank of Northeastern Ohio, Cleveland, Ohio -- to establish a branch at 20220 Center Ridge Road, Rocky River, Ohio.
- Approved (10 KB PDF) , June 6, 1997

PremierBank & Trust, Elyria, Ohio -- to establish a branch at Sheffield Crossing, 5231 Detroit Road, Sheffield Village, Ohio.
- Approved (10 KB PDF) , May 29, 1997

PremierBank & Trust, Elyria, Ohio -- to establish a branch at Sheffield Crossing, 5231 Detroit Road, Sheffield Village, Ohio.
- Approved, May 28, 1997

Provident Bank of Kentucky, Alexandria, Kentucky -- to establish a branch at Mt. Zion and Sam Neace Boulevard, Florence, Kentucky.
- Approved (10 KB PDF) , May 23, 1997

Marblehead Bank, Marblehead, Ohio -- to establish a branch at 259 South Bridge Road, Danbury Township, Ohio.
- Approved (10 KB PDF) , May 16, 1997

Minster State Bank, Minster, Ohio -- to establish a branch at Wagner's IGA, East Fourth Street.
- Approved (11 KB PDF) , May 16, 1997

Cortland Savings and Banking Company, Cortland, Ohio -- to establish a branch at 8572 South Avenue, Unit 1, Boardman, Ohio.
- Approved (9 KB PDF) , May 1, 1997

Fifth Third Bank, Cincinnati, Ohio -- to establish the Ferguson Road Bank Mart at 2310 Ferguson Road.
- Approved (10 KB PDF) , April 11, 1997

Ohio Bank, Findlay, Ohio -- to operate a mobile branch service throughout the Franklin County, Ohio, area.
- Approved (9 KB PDF) , April 8, 1997

Commercial and Savings Bank, Millersburg, Ohio -- to establish a branch at the southwest corner of the intersection of South and Prospect Streets, Shreve, Ohio.
- Approved (11 KB PDF) , April 4, 1997

Provident Bank, Cincinnati, Ohio -- to establish a branch at 550 Old State Route 74.
- Permitted (10 KB PDF) , March 7, 1997

Fifth Third Bank of Northern Kentucky, Florence, Kentucky -- to establish a branch at 8825 U.S. 42, Union, Kentucky.
- Permitted (10 KB PDF) , March 7, 1997

KeyBank National Association, Albany, New York -- to establish a branch in George Town, Grand Cayman, British West Indies.
- Approved (14 KB PDF) , January 9, 1997

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 5467 Cedar Village Drive, Mason, Ohio.
- Approved, November 20, 1996

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 12164 Lebanon Road.
- Approved, November 20, 1996

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First Capital Bancshares, Inc., Chillicothe, Ohio -- to acquire The Citizens National Bank of Chillicothe.
- Approved, February 26, 1998

Wayne Bancorp, Inc., Wooster, Ohio -- to acquire Chippewa Valley Bancshares, Inc., Rittman, Ohio.
- Approved, February 12, 1998

Standard Mutual Holding Company, Monroeville, Pennsylvania -- to acquire Standard Bank PaSB.
- Approved, February 6, 1998

Huntington Bancshares Incorporated, Columbus, Ohio -- to acquire SecureWare, Inc., Atlanta, Georgia, and merge Security First Technologies, Inc., with SecureWare and engage in data processing activities.
- Permitted, January 23, 1998

Commerce Exchange Corporation, Beachwood, Ohio -- to acquire shares of Preferred Capital, Inc.
- Returned, January 15, 1998

National City Corporation, Cleveland, Ohio -- to acquire American Mortgage Source, Inc., Nashville, Tennessee.
- Returned, January 8, 1998

Mellon Bank Corporation, Pittsburgh, Pennsylvania -- to acquire United Bankshares, Inc., Miami, Florida.
- Approved, January 8, 1998

National City Corporation, Cleveland, Ohio -- to acquire the assets of Eastern Mortgage Services, Trevose, Pennsylvania, and National Mortgage Corporation, Glen Burnie, Maryland.
- Returned, January 8, 1998

Mellon Bank Corporation, Pittsburgh, Pennsylvania -- to engage in data processing activities through Source2 Group, LLC, a de novo joint venture.
- Permitted, December 24, 1997

Premier Financial Bancorp, Inc., Georgetown, Kentucky -- to acquire the Ohio River Bank, Ironton, Ohio.
- Approved, December 22, 1997

Fifth Third Bancorp, Cincinnati, Ohio -- to make a limited partnership investment in General Electric/Fifth Third Partnership #1, L.P., Wilmington, Delaware.
- Approved, December 4, 1997

Central Bancshares, inc., Lexington, Kentucky -- to acquire Central Bank, FSB, Nicholasville, Kentucky.
- Permitted, November 24, 1997

F.N.B. Corporation, Hermitage, Pennsylvania -- to acquire West Coast Bank, Sarasota, Florida.
- Approved, November 20, 1997

Huntington Bancshares Incorporated, Columbus, Ohio -- to acquire Solutions by Design, Inc., Atlanta, Georgia, and engage in data processing activities.
- Permitted, November 4, 1997

Fifth Third Bancorp, Cincinnati, Ohio -- to acquire Heartland Capital Management, Inc., Indianapolis, Indiana.
- Permitted, October 21, 1997

Peoples Financial Bancorp, Inc., Ford City, Pennsylvania -- to retain shares of Elderton State Bank, Elderton, Pennsylvania.
- Approved (13 KB PDF) , September 18, 1997

Citizens National Corporation, Paintsville, Kentucky -- to acquire Josephine Bancshares, Prestonburg, Kentucky.
- Approved (13 KB PDF) , September 15, 1997

Banc One Corporation, Columbus, Ohio -- to acquire Fitzgerald, Davis & Associates, LP, Chicago, Illinois.
- Permitted (15 KB PDF) , September 12, 1997

Community Holding Company, Inez, Kentucky -- to acquire Inez Deposit Bank, F.S.B.
- Permitted (11 KB PDF) , September 12, 1997

F.N.B. Corporation, Hermitage, Pennsylvania -- to acquire Indian Rocks State Bank, Largo, Florida.
- Approved (13 KB PDF) , September 5, 1997

F.N.B. Corporation, Hermitage, Pennsylvania -- to acquire shares of Sun Bancorp, Selinsgrove, Pennsylvania.
- Approved (13 KB PDF) , August 14, 1997

Peoples Bancorp, Inc., Marietta, Ohio -- to acquire Gateway Bancorp, Inc., Catlettsburg, Kentucky.
- Approved (12 KB PDF) , August 5, 1997

Mellon Bank Corporation, Pittsburgh, Pennsylvania -- to acquire an equity investment in Money Station, Inc., Columbus, Ohio.
- Permitted (70 KB PDF) , August 5, 1997

Provident Financial Group, Inc., Cincinnati, Ohio -- to acquire Florida Gulfcoast Bancorp, Inc., Sarasota, Florida.
- Approved (11 KB PDF) , July 31, 1997

OSB Bancorp, Inc., Osgood, Ohio -- to acquire The Osgood State Bank.
- Approved (63 KB PDF) , July 15, 1997

Central Illinois Bancorp, Inc., Sidney, Illinois -- to acquire First Ozaukee Capital Corporation, Cedarburg, Wisconsin, and First Ozaukee Savings Bank.
- Approved, July 2, 1997

Monitor Bancorp, Inc., Big Prairie, Ohio -- to acquire shares of The Monitor Bank.
- Permitted (73 KB PDF) , June 19, 1997

Banc One Corporation, Columbus, Ohio -- to purchase certain assets of Venture Marketing Corporation (d.b.a Delphos International, Washington, D.C.).
- Permitted (13 KB PDF) , June 19, 1997

Mellon Bank Corporation, Pittsburgh, Pennsylvania -- to acquire 1st Business Corporation, Los Angeles, California.
- Approved, June 9, 1997

GLB Bancorp, Inc., Mentor, Ohio -- to acquire Great Lakes Bank.
- Approved (12 KB PDF) , May 30, 1997

Mid Am, Bowling Green, Ohio -- to acquire NFI Investments Corp., Bryan, Ohio.
- Approved (14 KB PDF) , May 28, 1997

PHS Bancorp, M.H.C., Beaver Falls, Pennsylvania -- to acquire Peoples Home Savings Bank.
- Approved, May 27, 1997

FirstFederal Financial Services, Corp., Wooster, Ohio -- to acquire FirstFederal Bank, National Association.
- Approved (73 KB PDF) , May 23, 1997

FirstFederal Financial Services Corp., Wooster, Ohio -- to acquire Summit Bancorp, Akron, Ohio.
- Approved (14 KB PDF) , May 23, 1997

BNB Bancorp, Inc., Brookville, Ohio -- to acquire Brookville National Bank.
- Approved (63 KB PDF) , May 15, 1997

Southeast Bancorp, Corbin, Kentucky -- to acquire First Bank of East Tennessee, National Association, La Follette, Tennessee.
- Approved (13 KB PDF) , May 10, 1997

Mellon Bank Corporation, Pittsburgh, Pennsylvania -- to acquire the stock transfer business of Boatmen's Trust Company, St. Louis, Missouri.
- Approved (9 KB PDF) , April 24, 1997

CB Bancorp, Inc., Higginsport, Ohio -- to acquire The Citizens Bank.
- Approved, April 18, 1997

F.N.B. Corporation, Hermitage, Pennsylvania -- to acquire shares of Sun Bancorp, Inc., Selinsgrove, Pennsylvania.
- Approved (13 KB PDF) , April 18, 1997

First Financial Bancorp, Hamilton, Ohio -- to acquire Southeastern Indiana Bancorp, Vevay, Indiana.
- Approved (13 KB PDF) , April 18, 1997

Mellon Bank Corporation, Pittsburgh, Pennsylvania -- to establish Mellon Trust of Florida, National Association, North Miami Beach, Florida, and engage in trust activities through the acquisition of Ganz Capital Management, Inc.
- Permitted (15 KB PDF) , April 2, 1997

F.N.B. Corporation, Hermitage, Pennsylvania -- to acquire West Coast Bancorp, Inc., Cape Coral, Florida.
- Approved (12 KB PDF) , March 21, 1997

Park National Corporation, Newark, Ohio -- to acquire First Knox Banc Corp., Mount Vernon, Ohio.
- Approved, February 15, 1997

FJSB Bancshares, Inc., Fort Jennings, Ohio -- to acquire shares of The Fort Jennings Bank.
- Approved (63 KB PDF) , January 24, 1997

First & Farmers Bancshares, Inc., Somerset, Kentucky -- to acquire Cumberland Bancorp, Inc., Burkesville, Kentucky.
- Approved (13 KB PDF) , January 3, 1997

CoBancorp, Inc., Elyria, Ohio -- to acquire Jefferson Savings Bank, West Jefferson, Ohio, and engage in permissible savings association activities.
- Permitted (94 KB PDF) , December 26, 1996

Mid Am, Inc., Bowling Green, Ohio -- to acquire Simplicity Mortgage Consultants, Inc., Marion, Ohio, and engage in lending activities.
- Permitted (14 KB PDF) , December 19, 1996

American National Bancorp, Parma, Ohio -- to acquire American National Bank.
- Permitted (64 KB PDF) , December 12, 1996

Communibanc Corp., Napoleon, Ohio -- to acquire The Henry County Bank.
- Permitted (65 KB PDF) , December 12, 1996

Mid Am, Inc., Bowling Green, Ohio -- to engage in trust activities through establishment of Mid Am Private Trust, N.A., Cincinnati, Ohio.
- Permitted, December 12, 1996

Citizens Bancorp, Inc., Newport, Kentucky -- to acquire Citizens Bank of Campbell County -- report on competitive factors.
- Permitted (76 KB PDF) , November 29, 1996

Pennwood Bancorp, Inc., Pittsburgh, Pennsylvania -- to acquire Pennwood Savings Bank.
- Approved (102 KB PDF) , November 27, 1996

Peoples Bancorp, Inc., Marietta, Ohio -- to acquire Russell Federal Savings Bank, Russell, Kentucky.
- Permitted (56 KB PDF) , November 27, 1996

First Financial Corporation, Hamilton, Ohio -- to acquire Hastings Financial Corporation, Hastings, Ohio.
- Approved (13 KB PDF) , November 14, 1996

First Financial Corporation, Hamilton, Ohio -- to acquire Farmers State Bancorp, Liberty, Indiana.
- Approved (11 KB PDF) , November 7, 1996

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Citizens Bank, Salineville, Ohio -- to merge with UniBank, Steubenville, Ohio, and establish branches.
- Approved, December 8, 1997

Sabina Bank, Sabina, Ohio -- to acquire the Ada and Waynesfield, Ohio, branches of The Fifth Third Bank of Western Ohio, Dayton, Ohio, and to establish branches.
- Approved, November 26, 1997

Liberty Bank & Trust Company, Tulsa, N.A., Tulsa, Oklahoma -- to merge with Bank One Trust Company, N.A., Columbus, Ohio.
- Approved, October 21, 1997

Citizens Banking Company, Salineville, Ohio -- to acquire three branches of Metropolitan Savings Bank of Ohio, Youngstown, Ohio.
- Approved (13 KB PDF) , October 10, 1997

Provident Bank, Cincinnati, Ohio -- to merge with Provident Bank of Kentucky, Alexandria, Kentucky, and establish branches.
- Approved (12 KB PDF) , August 14, 1997

Provident Bank of Florida, Apollo Beach, Florida -- to merge with Enterprise National Bank of Sarasota, Sarasota, Florida.
- Approved, July 31, 1997

Fifth Third Bank of Northern Kentucky, Inc., Florence, Kentucky -- to merge with Fifth Third Savings Bank of Northern Kentucky, FSB, Hebron, Kentucky.
- Approved (14 KB PDF) , November 1, 1996

Fifth Third Bank of Northeastern Ohio, Cleveland, Ohio -- to merge with Fifth Third Savings Bank of Northern Ohio, FSB, Kent, Ohio, and to establish a branch.
- Approved, November 1, 1996

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FNB, Inc., Dennison, Ohio -- change in bank control.
- Permitted, January 21, 1998

First Commerce Bancorp, Inc., Somerset, Kentucky -- change in bank control.
- Permitted, December 30, 1997

Hindman Bancshares, Inc., Hindman, Kentucky -- change in bank control.
- Permitted, November 14, 1997

Cumberland Valley Financial Corporation, London, Kentucky -- change in bank control.
- Permitted, June 9, 1997

New Richmond Bancorporation, New Richmond, Ohio -- change in bank control.
- Permitted, March 15, 1997

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Union State Bank, Payne, Ohio -- report on competitive factors of the proposed merger with USB Interim Bank.
- Submitted, March 9, 1998

Malta National Bank, Malta, Ohio -- report on competitive factors in connection with change in bank control.
- Submitted, March 9, 1998

County Savings Bank, Newark, Ohio, and Bellbrook Community Bank, Bellbrook, Ohio -- report on competitive factors of the proposed merger with First National Bank of Zanesville, Zanesville, Ohio.
- Submitted, March 9, 1998

Bank One, Illinois, N.A., Springfield, Illinois -- report on competitive factors of the proposed purchase of the assets and assumption of the liabilities of the non-fiduciary business of Bank One, Quad Cities, N.A., Moline, Illinois.
- Submitted, February 17, 1998

Citizens National Bank of Chillicothe, Chillicothe, Ohio -- report on competitive factors of the proposed merger with The CNB Interim Bank.
- Submitted, February 17, 1998

Bank One, Quad Cities, N.A., Moline, Illinois -- report on the proposed merger with Bank One Trust Company, N.A. , Columbus, Ohio.
- Submitted, February 17, 1998

Huntington National Bank, Columbus, Ohio -- report on competitive factors of the proposed pruchase of assets and assumption of liabilities of sixty branches in five Florida banking markets of Barnett Bank, N.A., Jacksonville, Florida.
- Submitted, February 3, 1998

Standard Bank, PaSB, Murrysville, Pennsylvania -- report on competitive factors of the proposed merger with Standard Interim Savings Bank.
- Submitted, January 30, 1998

Enterprise Federal Bancorp, Inc., West Chester, Ohio -- report on competitive factors of the proposed acquisition of the assets and assumption of the liabilities of the North Cincinnati Savings Bank, Blue Ash, and its proposed merger with Enterprise Federal Savings Bank, West Chester, Ohio.
- Submitted, December 23, 1997

Bank One, Texas, N.A., Dallas, Texas -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of Bank One, N.A., Columbus, Ohio.
- Submitted, December 5, 1997

Ohio River Bank, Ironton, Ohio -- report on competitive factors of the proposed merger with Ohio River Interim Bank.
- Submitted, December 5, 1997

Bank One, N.A., Columbus, Ohio -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities from eleven other bank subsidiaries of Banc One Corporation.
- Submitted, December 5, 1997

Bank One, Arizona, N.A., Phoenix, Arizona -- report on competitive factors of the proposed purchase of assets and assumption of certain liabilities of Bank One, N.A., Columbus, Ohio.
- Submitted, December 5, 1997

Peoples Bank, N.A., Ashtabula, Ohio -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of the Madison and Painesville, Ohio, branches of First Western Bank, N.A., New Castle, Pennsylvania.
- Submitted, December 4, 1997

Farmers and Savings Bank, Loudenville, Ohio -- report on competitive factors of the proposed merger with First Knox National Bank, Mount Vernon, Ohio.
- Submitted, November 14, 1997

Fifth Third Bank of Northeastern Ohio, Cleveland, Ohio -- report on competitive factors of the proposed merger with Fifth Third Bank of Northwestern Ohio, N.A., Toledo, Ohio.
- Submitted, November 14, 1997

Trumbull Savings and Loan Company, Warren, Ohio -- report on competitive factors on the proposed merger with Trumbull Interim Savings Bank.
- Submitted, November 14, 1997

Bank One, Oklahoma City, Oklahoma -- report on competitive factors of the proposed merger with Liberty Bank & Trust Company of Oklahoma City, N.A., Oklahoma City, Oklahoma.
- Submitted, October 21, 1997

Trumbull Savings and Loan Company, Warren, Ohio -- report on competitive factors of the proposed merger with Trumbull Interim Savings Bank, Warren, Ohio.
- Submitted, October 21, 1997

Germantown Federal Savings Bank, Germantown, Ohio -- report on competitive factors of the proposed merger with First Federal Savings Bank of Washington Court House, Washington Court House, Ohio.
- Submitted, October 21, 1997

Liberty National Bank, Ada, Ohio -- report on competitive factors of the proposed purchase of assets and assumption of the liabilities of the Kenton, Ohio, office of Commercial Savings Bank, Upper Sandusky, Ohio.
- Submitted, October 21, 1997

Liberty Bank & Trust Company of Oklahoma City, N.A., Oklahoma City, Oklahoma -- report on competitive factors of the proposed purchase of the assets and assumption of the liabilities of the non-fiduciary business of Liberty Bank & Trust Co. of Tulsa, N.A., Tulsa, Oklahoma
- Submitted, October 21, 1997

Mercantile Savings Bank, Cincinnati, Ohio -- report on competitive factors of the proposed merger with The Mercantile Interim Savings Bank.
- Submitted, September 26, 1997

PNC Bank, Ohio, N.A., Cincinnati, Ohio, PNC Bank, Kentucky, N.A., Louisville, Kentucky, and PNC Bank, Indiana, Inc., New Albany, Indiana -- report on competitive factors of the proposed merger with PNC Bank, N.A., Pittsburgh, Pennsylvania.
- Submitted, September 26, 1997

Bank of Maysville, Maysville, Kentucky -- report on competitive factors of the proposed purchase of the assets and assumption of the liabilities of the Maysville, Kentucky, branch of Fifth Third Bank of Kentucky, Inc., Louisville, Kentucky.
- Submitted, September 26, 1997

Ohio Central, Dublin, Ohio -- report on competitive factors of the proposed merger with the Ohio Central Federal Credit Union.
- Submitted, September 26, 1997

PNC Bank, N.A., Pittsburgh, Pennsylvania -- report on competitive factors of the proposed merger with PNC Mortgage Bank, N.A.
- Submitted, September 26, 1997

First National Bank of Sycamore, Sycamore, Ohio -- report on competitive factors of the proposed acquisition of certain assets and assumption of certain liabilities of the New Riegel, Ohio, branch of the Fifth Third Bank of Northwestern Ohio, N.A., Toledo, Ohio.
- Submitted, September 24, 1997

PNC Bank, N.A., Pittsburgh, Pennsylvania -- report on competitive factors of the proposed merger with PNC Bank, New York, N.A., Warren, Pennsylvania.
- Submitted, September 24, 1997

Geauga Savings Bank, Newbury, Ohio -- report on competitive factors of the proposed merger with Geauga Interim Savings Bank.
- Submitted, September 18, 1997

Bank of Winter Park, Winter Park, Florida -- report on competitive factors of the proposed merger with The Huntington National Bank, Columbus, Ohio.
- Submitted, September 18, 1997

FMB-First Michigan Bank, Zeeland, Michigan; FMB-First Michigan Bank, Grand Rapids, Grand Rapids; FMB-Lumberman's Bank, Muskegon; FMB-Northwestern Bank, Boyne City; FMB-State Savings Bank, Lowell; FMB-Commercial Bank, Greenville; FMB-Sault Bank, Sault St. Marie; FMB Security Bank, Manistee; FMB-Community Bank, Dowagiac; FMB-Oceana Bank, Hart; FMB-Reed City, Reed City; FMB Maynard Allen Bank, Portland; FMB-Old State Bank, Freemont; FMB-Arcadia Bank, Kalamazoo; and FMB-Trust, Holland; M -- report on competitive factors of the proposed merger with The Huntington National Bank, Columbus, Ohio.
- Submitted, September 9, 1997

Reliable Savings and Loan Association, Bridgeville, Pennsylvania, dba Reliable Savings Bank -- report on competitive factors of the proposed merger with First Commonwealth Bank.
- Submitted, August 22, 1997

Peoples Exchange Bank of Beattyville, Beattyville, Kentucky -- report on competitive factors of the proposed purchase of certain assets and assumption of the liabilities of the Stanton, Kentucky, office of Pioneer Federal Savings Bank, Winchester, Kentucky.
- Submitted, August 22, 1997

Community National Corporation, Lexington, Tennessee -- report on competitive factors of the proposed acquisition of Lexington First FSB.
- Submitted, August 22, 1997

PNC Bank, FSB, Vero Beach, Florida -- report on competitive factors of the proposed acquisition of certain assets and assumption of certain liabilities of PNC Bank, NA, Pittsburgh, Pennsylvania.
- Submitted, August 20, 1997

First Western Bank, FSB, Sharon, Pennsylvania -- report on competitive factors of the proposed merger with First Western Bank, NA, New Castle, Pennsylvania.
- Submitted, August 20, 1997

Signal Bank, NA, Wooster, Ohio -- report on competitive factors of the proposed purchase of seven offices of KeyBank, NA, Cleveland, Ohio.
- Submitted, August 20, 1997

First Western Bank, NA, New Castle, Pennsylvania -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of the Mentor, Ohio, branch of First Western Bank, FSB, Sharon, Pennsylvania, and the establishment of one branch.
- Submitted, August 20, 1997

Oak Hill Banks, Jackson, Ohio -- report on competitive factors of the proposed merger with Unity Savings Bank, McArthur, Ohio.
- Submitted, August 20, 1997

First Western Bank, NA, New Castle, Pennsylvania -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the Chicora, Pennslvania, office of Mellon Bank, NA, Pittsburgh, Pennsylvania.
- Submitted, August 20, 1997

Progressive Bank, N.A. - Bellaire, Bellaire, Ohio -- report on competitive factors of the proposed merger with Progressive Bank, N.A., Wheeling, West Virginia.
- Submitted, July 18, 1997

Fort Jennings State Bank, Fort Jennings, Ohio -- report on competitive factors of the proposed merger with FJSB.
- Submitted, July 18, 1997

Great Lakes Bank, Mentor, Ohio -- report on competitive factors of the proposed merger with GLB Interim Bank.
- Submitted, July 18, 1997

Charter One Financial, Inc., Cleveland, Ohio -- report on competitive factors of the proposed acquisition of RCSB Financial, Inc., Rochester, New York, and proposed merger of Rochester Community Savings Bank, Rochester, New York, with Charter One Bank, FSB, Cleveland, Ohio.
- Submitted, July 18, 1997

Osgood State Bank, Osgood, Ohio -- report on competitive factors of the proposed merger with OSB Interim Bank.
- Submitted, July 18, 1997

Northwest Savings Bank, Warren, Pennsylvania -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the Oil City branch of First Western Bank, F.S.B., Sharon, Pennsylvania.
- Submitted, July 18, 1997

Geauga Interim Savings Bank, Newbury, Ohio, proposed merger with Geauga Savings Bank -- report on competitive factors.
- Submitted, July 3, 1997

Citizens National Bank of Evans City, Evans City, Pennsylvania, proposed acquisition of the assets and assumption of the liabilities of Citizens Interim Bank, National Association -- report on competitive factors.
- Submitted, July 3, 1997

PNC Bank New York, National Association, Warren, Pennsylvania, proposed merger with PNC Bank, National Association, Pittsburgh, Pennsylvania -- report on competitive factors.
- Submitted, July 3, 1997

Park National Bank, Newark, Ohio, proposed acquisition of certain assets and assumption of certain liabilities of three branches in Lancaster, of KeyBank N.A., Cleveland, Ohio -- report on competitive factors.
- Submitted, June 17, 1997

National City Bank, Cleveland, Ohio, proposed merger with National City Bank, Northeast, Akron, National City Bank of Columbus, National City Bank of Dayton, National City Bank, Northwest, Toledo, and National City Bank of Ashland, Ashland, Ohio -- report on competitive factors.
- Submitted, June 17, 1997

Charter One Financial, Inc., Cleveland, Ohio, proposed acquisition of the assets and assumption of the liabilities of Haverfield Corporation, and proposed merger of HomeBank, FSB, with Charter One Bank, F.S.B. -- report on competitive factors.
- Submitted, June 17, 1997

Central Bancshares, Inc., Lexington, Kentucky, proposed acquisition of the assets and assumption of the liabilities of Central Bank, FSB, Nicholasville, Kentucky -- report on competitive factors.
- Submitted, June 17, 1997

1st National Community Bank, East Liverpool, Ohio, proposed acquisition of certain assets and assumption of certain liabilities of the New Cumberland, West Virginia, branch of United National Bank, Parkersburg, West Virginia -- report on competitive factors.
- Submitted, June 17, 1997

Three Rivers Bank and Trust Company, Jefferson Borough, Pennsylvania, proposed merger with Community Savings Bank, Monroeville, Pennsylvania -- report on competitive factors.
- Submitted, June 7, 1997

First National Bank of Pa., Greenville, Pennsylvania, proposed purchase of certain assets and assumption of certain liabilities of The Metropolitan Savings Bank of Youngstown, Ohio -- report on competitive factors.
- Submitted, June 3, 1997

First National Bank of Slippery Rock, Slippery Rock, Pennsylvania, proposed purchase of certain assets and assumption of certain liabilities of First Western Bank, Federal Savings Bank, Sharon, Pennsylvania -- report on competitive factors.
- Submitted, June 3, 1997

Lebanon Citizens National Bank, Lebanon, Ohio, proposed purchase of three Ohio branches of Key Bank National Association, Cleveland, Ohio -- report on competitive factors.
- Submitted, June 3, 1997

Old Phoenix National Bank of Medina, Medina, Ohio, EST National Bank, Elyria, Citizens National Bank, Canton, Peoples National Bank, Wooster, and Peoples Bank, National Association, Ashtabula proposed merger with First National Bank of Ohio, Akron, Ohio -- report on competitive factors.
- Submitted, June 3, 1997

Community First Bank, Maysville, Kentucky, proposed merger with Community First Bank, N.A., Ripley, Ohio -- report on competitive factors.
- Submitted, June 3, 1997

Fifth Third Bank of Western Ohio, Piqua, Ohio, proposed acquisition of the assets and assumption of the liabilities of 29 branches of The Fifth Third Bank, Cincinnati, Ohio, and establishment of branches -- report on competitive factors.
- Submitted, May 29, 1997

Lorain National Bank, Lorain, Ohio, proposed purchase of the assets and assumption of the liabilities of three branches of KeyBank, N.A., Cleveland, Ohio -- report on competitive factors.
- Submitted, May 16, 1997

First USA Federal Savings Bank, Wilmington, Delaware, proposed merger with Bank One, Columbus, N.A., Columbus, Ohio -- report on competitive factors.
- Submitted, May 15, 1997

First National Bank of Carlisle, Carlisle, Kentucky, and The Garrard Bank & Trust Company, Lancaster, Kentucky, proposed merger with Whitaker Bank, National Association, Lexington, Kentucky -- report on competitive factors.
- Submitted, April 25, 1997

Big Prairie Interim State Bank, proposed merger with Big Prairie State Bank -- report on competitive factors.
- Submitted, April 23, 1997

KeyBank National Association, Anchorage, Alaska, KeyBank National Association, Fort Collins, Colorado; KeyBank National Association, Boise, Idaho; KeyBank National Association, Portland, Maine; KeyBank National Association, Bedford, New Hampshire; KeyBank National Association, Albany, New York; KeyBank National Association, Portland, Oregon; KeyBank National Association, Burlington, Vermont, and KeyBank National Association, Tacoma Washington, proposed merger with KeyBank National As -- report on competitive factors.
- Submitted, April 23, 1997

Key Trust Company of Florida, National Association, Naples, Florida, proposed merger with KeyBank National Association, Cleveland, Ohio -- report on competitive factors.
- Submitted, April 23, 1997

Brookville Interim National Association, Brookville, Ohio, proposed merger with Brookville National Bank -- report on competitive factors.
- Submitted, April 23, 1997

KeyBank National Association, Salt Lake City, Utah, proposed merger with KeyBank National Association, Cleveland, Ohio -- report on competitive factors.
- Submitted, April 23, 1997

Cape Coral National Bank, Cape Coral, Florida, proposed purchase of certain assets and assumption of certain liabilities of four branches of First National Bank of Southwest Florida -- report on competitive factors.
- Submitted, April 23, 1997

Peoples Home Savings Bank, Beaver Falls, Pennsylvania, proposed merger with Peoples Home Interim Savings Bank -- report on competitive factors.
- Submitted, March 26, 1997

Huntington National Bank, Columbus, Ohio, proposed merger with Huntington Trust Company and Huntington Trust Company of Florida, Naples, Florida -- report on competitive factors.
- Submitted, March 26, 1997

Wayne Savings Bancshares, Inc., Wooster, Ohio, proposed acquisition of Wayne Savings and Loan Company -- report on competitive factors.
- Submitted, March 26, 1997

County Savings Bank, Columbus, Ohio, proposed purchase of two branches of First National Bank of Zanesville, Zanesville, Ohio -- report on competitive factors.
- Submitted, March 26, 1997

CB Interim Bank, Higginsport, Ohio, proposed merger with Citizens Bank -- report on competitive factors.
- Submitted, March 26, 1997

Marion Center National Bank, Marion Center, Pennsylvania, proposed acquisition of the assets and assumption of the liabilities of the Big Run and Dayton, Pennsylvania branches of National City Bank of Pittsburgh, Pittsburgh, Pennsylvania -- report on competitive factors.
- Submitted, March 7, 1997

Banc One Trust Company, N.A., Milwaukee, Wisconsin proposed merger with Bank One Trust Company, N.A., Columbus, Ohio -- report on competitive factors.
- Submitted, March 7, 1997

Bank One Alpha Interim Trust Company, N.A., Milwaukee, Wisconsin, proposed merger with Bank One Wisconsin Trust Company, N.A. -- report on competitive factors.
- Submitted, March 7, 1997

Huntington National Bank of Florida, Maitland, Florida; Huntington National Bank of Indiana, Noblesville, Indiana; Huntington National Bank West Virginia, Charleston, West Virginia; Huntington Banks of Michigan, Troy, Michigan; Huntington Trust Company, N.A., Columbus, Ohio; and Huntington Trust Company of Florida, N.A., Naples, Florida, proposed merger with Huntington National Bank, Columbus, Ohio -- report on competitive factors.
- Submitted, March 7, 1997

Northwest Savings Bank, Warren, Pennsylvania, proposed merger with Northwest Interim Savings Bank -- report on competitive factors.
- Submitted, February 3, 1997

First State Bank of Pineville, Kentucky, Inc., Pineville, Kentucky, proposed purchase of certain assets and assumption of certain liabilities of the Pineville branch of Security First Network Bank, FSB, Atlanta, Georgia -- report on competitive factors.
- Submitted, February 3, 1997

Citizens National Bank of Leesburg, Leesburg, Florida, proposed merger with The Huntington National Bank of Florida, Maitland, Florida -- report on competitive factors.
- Submitted, February 3, 1997

Strongsville Savings Bank, Strongsville, Ohio, proposed merger with Emerald Interim Savings Bank -- report on competitive factors.
- Submitted, January 9, 1997

TFS Financial Corporation, Cleveland, Ohio, proposed acquisition of the assets and assumption of the liabilities of Third Federal Savings and Loan Association of Cleveland -- report on competitive factors.
- Submitted, January 9, 1997

UniBank, Steubenville, Ohio, proposed purchase of the assets and assumption of the liabilities of branches of National City Bank, Northeast, Akron; at 134 Third Street, Tiltonsville; 612 Commercial Street, Mingo Junction; and 1589 Pennsylvania Avenue, East Liverpool, Ohio -- report on competitive factors.
- Submitted, January 9, 1997

S&T Bank, Indiana, Pennsylvania, proposed merger with Peoples Bank of Unity, Pittsburgh, Pennsylvania -- report on competitive factors.
- Submitted, January 9, 1997

Bank One, Columbus, Ohio, proposed merger with Banc One Corporation's banks in Akron, Athens, Cambridge, Cincinnati, Cleveland, Coshocton, Dayton, Dover, Fremont, Lima, Mansfield, Marietta, Marion, Portsmouth, Sidney, and Youngstown, Ohio -- report on competitive factors.
- Submitted, January 9, 1997

Jefferson Savings Bank, West Jefferson, Ohio, proposed merger with Prime Savings Bank, Elyria, Ohio -- report on competitive factors.
- Submitted, January 7, 1997

Star Bank, N.A., Cincinnati, Ohio, proposed purchase of certain assets and assumption of certain liabilities of AmeriFirst Bank, N.A., Xenia, Ohio -- report on competitive factors.
- Submitted, December 23, 1996

MSB Capital Corporation, Columbus, Ohio (currently d.b.a. Rexer Corporation), proposed acquisition of the assets and assumption of the liabilities of Midwest Savings Bank, De Graff, Ohio -- report on competitive factors.
- Submitted, December 19, 1996

People's Banking and Trust Company, Marietta, Ohio, proposed purchase of the assets and assumption of the liabilities of the Baltimore branch of National City Bank of Columbus, Columbus, Ohio -- report on competitive factors.
- Submitted, December 19, 1996

Russell Federal Savings Bank, Russell, Kentucky, proposed merger with Peoples Acquisition Company -- report on competitive factors.
- Submitted, November 27, 1996

Pennwood Savings Bank, Pittsburgh, Pennsylvania, proposed merger with Pennwood Interim Savings Bank -- report on competitive factors.
- Submitted, November 27, 1996

Northwest Savings Bank, Warren, Pennsylvania, proposed merger with Bridgeville Savings Bank, Bridgeville, Pennsylvania -- report on competitive factors.
- Submitted, November 4, 1996

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Citizens Bancshares, Inc., Salineville, Ohio -- extension to June 8, 1998, to acquire Unibank, Steubenville, Ohio, and merge it with The Citizens Banking Company, Salineville, Ohio.
- Granted, March 2, 1998

FNB Corporation, Hermitage, Pennsylvania -- extension of time to acquire shares of Sun Bancorp, Inc., Selinsgrove, Pennsylvania.
- Granted, January 27, 1998

Banc One Corporation, Columbus, Ohio -- extension to March 12, 1998, to acquire Fitzgerald, Davis & Associates, L.P., Chicago, Illinois.
- Granted, December 12, 1997

Banc One Corporation, Columbus, Ohio, KeyCorp, Cleveland; Ohio; National City Corporation; and PNC Bank Corp., Pittsburgh, Pennsylvania -- extension to March 29, 1998, to offer ATM and POS services on a worldwide basis through Electronic Payments Services.
- Granted, December 12, 1997

FJSB Bancshares, Inc., Fort Jennings, Ohio -- extension to January 24, 1998, to acquire The Fort Jennings State Bank.
- Granted, November 25, 1997

Northwest Bancorp, Warren, Pennsylvania -- extension to February 18, 1998, to acquire Northwest Savings Bank.
- Granted, November 17, 1997

Northwest Bancorp, MHC, Warren, Pennsylvania -- extension to February 18, 1998, to acquire Northwest Bancorp, Inc.
- Granted, November 17, 1997

BNB Bancorp, Inc., Brookville, Ohio -- extension to February 15, 1998, to acquire Brookville National Bank.
- Granted, November 14, 1997

Provident Bank, Cincinnati, Ohio -- extension to March 31, 1998, to merge with The Provident Bank of Kentucky, Alexandria, Kentucky.
- Granted, November 10, 1997

Peoples Bancorp, Inc., Marietta, Ohio -- extension to February 8, 1998, to acquire Gateway Bancorp, Inc., Catlettsburg, Kentucky.
- Granted, November 6, 1997

FNB Corporation, Hermitage, Pennsylvania -- extension to February 15, 1998, to acquire shares of Sun Bancorp, Inc., Selinsgrove, Pennsylvania.
- Granted, November 5, 1997

F.N.B. Corporation, Hermitage, Pennsylvania -- extension to acquire shares of Sun Bancorp, Inc., Selinsgrove, Pennsylvania.
- Granted, October 30, 1997

F.N.B. Corporation, Hermitage, Pennsylvania -- extension to acquire Mercantile Bank of Southwest Florida, Naples, Florida.
- Granted, October 30, 1997

OSB Bancshares, Inc., Osgood, Ohio -- extension to January 15, 1998, to acquire The Osgood State Bank.
- Granted, October 15, 1997

Mellon Bank Corporation, Pittsburgh, Pennsylvania -- extension to March 9, 1998, to acquire First Business Corporation, Los Angeles, California.
- Granted, October 2, 1997

Cortland Savings and Banking Company, Cortland, Ohio -- extension to October 24, 1998, to establish a branch at the intersection of Routes 44 and 82, Mantua, Ohio.
- Granted, September 24, 1997

Ohio Bank, Findlay, Ohio -- extension to September 14, 1998, to establish a branch at Fishinger Boulevard and Mill Run Drive, Columbus, Ohio.
- Granted, September 12, 1997

BNB Bancorp, Brookville, Ohio -- extension to November 15, 1997, to acquire Brookville National Bank.
- Granted, August 5, 1997

FJSB Bancshares, Inc., Fort Jennings, Ohio -- extension to acquire The Fort Jennings State Bank, Fort Jennings, Ohio.
- Granted, July 31, 1997

FJSB Bancshares, Inc., Fort Jennings, Ohio -- extension to acquire The Fort Jennings State Bank.
- Granted, April 24, 1997

Comunibanc Corp., Napoleon, Ohio -- extension to acquire The Henry County Bank.
- Granted, April 18, 1997

Wesbanco, Inc., Wheeling, West Virginia -- extension to March 20, 1997, to acquire Vandalia National Corporation, Morgantown, West Virginia.
- Granted, December 19, 1996

Merchants Bancorp, Inc., Hillsboro, Ohio -- extension to March 12, 1997, to acquire Merchants National Bank.
- Granted, December 9, 1996

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Citizens Banking Company, Salineville, Ohio -- to become a member of the Federal Reserve System.
- Approved, May 9, 1997

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Independent State Bank of Ohio, Columbus, Ohio -- to relocate its main office to 1182 Claycraft Road, Gahanna, Ohio.
- Permitted, December 11, 1996