Corporate Applications:

IN THIS ISSUE:

PLEASE NOTE: Interpretive Letters and No-Objection Letters reflect the views of the Comptroller's legal staff. Corporate Decisions, CRA Decisions and Conditional Approvals are from the office of Bank Organization and Structure. The list of CRA Ratings is from the Communications Division. For copies of the CRA evaluations, you may either contact the bank directly, or you may write to the Office of the Comptroller of the Currency (OCC) in any of three ways: by mail to the OCC, Attn: Public Information Room, Mail Stop 1-5, Washington, D.C. 20219; by fax to (202) 874-4448; or by e-mail to FOIA-PA@occ.treas.gov. You may also write to the OCC for copies of enforcement actions and charters with standard conditions.

Members of the news media are encouraged to cite the letter number when reporting or summarizing documents from this package. This helps us to process single requests based upon your citation in a more timely manner.

Approvals with conditions enforceable under 12 U.S.C. 1818

Letter No.	Topic
548	Application on behalf of First Citizens Bank, A Virginia Corporation, Roanoke, Virginia to convert to a national charter with the title of First Citizens Bank, National Association. (Control Number 2002 SE 01 0003), WORD 09/04/2002
549	The Proposal to undertake an expedited reorganization of Alamance National Bank, Graham, North Carolina. (Control Number 2002 SE 12 0097), WORD 09/05/2002
550	Application to establish a new national bank with the title of "Commerce National Bank of Florida," Winter Park, Florida. (Control Number 2002 SE 01 0006), WORD 09/13/2002
551	Application to establish a new national bank with the title of "Legacy Bank, National Association," Campbell, California. (Control Number 2002 WE 01 0004), WORD 09/30/2002

Charters with standard condition

Each of the following charter application(s) were approved with a standard condition enforceable under 12 U.S.C. 1818 that requires the bank to provide notice and obtain OCC’s non-objection in advance of any significant deviations or changes from its business plan or operations.

Letter No.	Topic
552	Application to charter Bankers Trust Bank, National Association, Cedar Rapids, Iowa. (Control Number 2002 MW 01 0008), WORD 09/04/2002

Final Enforcement Actions

Enclosed is a copy of the OCC's news release number 2002-81, announcing the availability of enforcement actions. Copies of the final actions are available by writing to the OCC, Public Reference Room, Mailstop 1-5, Washington, D.C. 20219. When ordering, specify the appropriate enforcement action number.

COMMUNITY REINVESTMENT ACT (CRA) Performance Evaluations

Enclosed is a list of CRA performance evaluations that became public during the period of September 14 through October 15, 2002.

The Office of the Comptroller of the Currency publishes INTERPRETATIONS AND ACTIONS monthly. Subscriptions are available at a rate of $175 per year by writing to the Comptroller of the Currency, P.O. Box 73150, Chicago, IL 60673?7150. Prepayment is requested. Suggestions, comments or questions may be sent to Jacqueline J. England, Communications Division, Comptroller of the Currency, Mail Stop 3-2, Washington, DC 20219.