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