Corporate Applications:

IN THIS ISSUE:

Interpretive Letters

Letter No.	Topic
1012	Letter states that OCC regulations do not permit a national bank to disclose non-public OCC information, including the bank's CAMEL rating, to its bonding company without OCC approval. WORD 11/19/2004

CRA Decisions

Letter No.	Topic
124	Application for Community Bank, National Association of Canton, New York, to purchase and assume the Dansville, New York branch of HSBC Bank USA. (Control Number 2004 NE 02 0042), WORD 11/03/2004

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

Letter No.	Topic
664	Applications of FSGBank, N.A., Athens, Tennessee, to establish two branch offices under the name of Primer Banco Seguro, una division de FSGBank, N.A., located in Dalton, Georgia at 1) 1249 Murray Avenue and 2) 430 Fields Avenue. (Control Numbers 2004 SO 05 0284 & 2004 SO 05 0285), WORD 11/16/2004

Charters with standard conditions

Letter No.	Topic
665	Application to charter T Bank, National Association, Dallas, Texas. (Control Number 2004 SO 01 0011), WORD 11/01/2004
666	Application to establish a new national bank with the title of Western National Bank, Phoenix, Arizona. (Control Numbers 2004 WE 01 0013), WORD 11/03/2004

Final Enforcement Actions

Enclosed is a copy of the OCC's news release number 2004-109, 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 November 15 through December 14, 2004.

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 Licensing. The Community Development Investment Letters are from the office of Community Affairs. 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.

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, ATTN: Accounts Receivable, Mail Stop 4-8, 250 E Street, S.W., Washington, DC 20219. Prepayment is requested. Suggestions, comments or questions may be sent to Jacqueline J. England, Comptroller of the Currency, Communications Division, Mail Stop 3-2, Washington, DC 20219.