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.

Interpretive Letters

Letter No.	Topic
921	Letter allows a national bank that has elected in its bylaws to be governed by the California Corporations Code to have articles of association providing for blank check preferred stock. WORD 12/13/2001
922	Letter concludes that a national bank may offer certain FDIC-insured Deposit Notes through the retail distribution network of its affiliated broker-dealer. WORD 12/13/2001
923	Letter discusses various advertisements and concludes that they do not violate 12 U.S.C. 25a prohibition on publicizing lotteries either because banks do not pay for the ads or events described are not lotteries. WORD12/19/2001

CRA Decisions

Letter No.	Topic
110	Application to merge White Hall National Bank, White Hall, Illinois into Lima Interim Bank, National Association, White Hall, Illinois. (Control Number 2001 MW 02 0033),WORD12/05/2001

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

Letter No.	Topic
504	Application to convert UBS Trust Company, New York, NY, into a national trust bank to be entitled UBS PaineWebber Trust Company, National Association, and to relocate its main office to Weehawken, New Jersey. (Control Number 2001 NE 01 0015), WORD 12/07/2001
505	Application to convert Citizens Wealth Bank, Flint, Michigan to a national banking association whose authority is limited to providing fiduciary and ancillary services under the title of "CB Wealth Management, National Association." (Control Number 2001 CE 01 008), WORD12/11/2001
506	Application by General Motors Asset Management, a subsidiary of General Motors Corporation, to charter a national CEBA trust bank with the title of "General Motors Trust Bank, National Association," New York, New York. (Control Number 2001 NE 01 0004),WORD 12/26/2001
507	Applications by Acadia Trust, N.A., Portland, Maine, to receive a noncash contribution to capital surplus, and acquire Gouws Capital Management, Inc., an operating subsidiary. (Control Numbers 2001 NE 12 0263 & 2001 NE 08 0043),WORD 12/26/2001
508	Application to convert Phoenix Charter Oak Trust Company, into a national trust bank to be entitled "Phoenix Trust Company," Hartford, Connecticut, and a notice to establish a trust office in Pasadena, California. (Control Numbers 2001 NE 01 0009 & 2001 NE 12 0269),WORD 12/27/2001

Charters with standard conditions

Each of the following charter application(s) were approved with a standard condition enforceable under 12 U.S.C. 1818 that requires the bank, during the first three years of its operation, to provide notice to the OCC in advance of any significant deviations or changes from its proposed operating plan.

Letter No.	Topic
509	Signature Bank, National Association, Toledo, Ohio, (Control Number 2001 CE 01 005), WORD12/05/2001

Letter No.	Topic
510	Bank of Goochland, N.A., Manakin Sabot, Virginia, (Control Number 2001 SE 01 0008), WORD12/20/2001

Final Enforcement Actions

Enclosed is a copy of the OCC's news release number 2002-06, 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 December 15, 2001 through January 14, 2002.

INTERPRETATIONS AND ACTIONS is published monthly by the Office of the Comptroller of the Currency. Subscriptions are available at a rate of $175 per year by writing to the Comptroller of the Currency, P.O. Box 70004, Chicago, IL 60673-0004. Prepayment is requested. Suggestions, comments or questions may be sent to Jacqueline J. England, Communications Division, Mailstop 3-2, Comptroller of the Currency, Washington, DC 20219.