Corporate Applications:

IN THIS ISSUE:

Interpretive Letters

Letter No.	Topic
1011	Letter grants a bank's request of a waiver from the quarterly beneficial ownership reporting requirements of Part 12 for certain of its officers and employees. WORD 10/04/2004

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

Letter No.	Topic
658	Applications to convert JPMorgan Chase Bank, New York, New York, into a national banking association, and to merge Bank One, N.A., Chicago, Illinois, and Bank One, N.A., Columbus, Ohio, with and into the converted bank. (Control Numbers 2004 ML 01 0004 & 2004 ML 02 0006), WORD 10/13/2004
659	Application by WashingtonFirst Bank, Washington, D.C., to purchase certain assets and assume certain liabilities of the Washington D.C. branch of Greater Atlantic Bank, Reston, Virginia. (Control Number 2004 NE 02 0038), WORD 10/15/2004
660	Application to charter Valliance Bank, N.A., Oklahoma City, Oklahoma. (Control Number 2004 SO 01 0012), WORD 10/18/2004
661	Application to 1) establish a new national bank with the title of Pacific Coast National Bank, San Clemente, California; 2) to establish a branch at 499 North El Camino Real, Suite C-100, Encinitas, California; and 3) to waive the United States citizenship requirements under 12 USC 72 for Donald R. Mealing to serve on the Bank's board of directors. (Control Numbers 2004 WE 01 010; 2004 WE 05 070 & 2004 WE 12 206), WORD 10/25/2004
662	Application to merge Dillard National Bank, Gilbert, Arizona into Dillard Investment Co. Inc. and the application by Dillard National Bank for a change in the composition of assets. (Control Numbers 2004 WE 12 0297 & 2004 WE 12 0348), 10/28/2004

Charters with standard conditions

Letter No.	Topic
663	Application to charter Lake National Bank, Mentor, Ohio. (Control Number 2004 CE 01 005), WORD 10/04/2004

Final Enforcement Actions

Enclosed is a copy of the OCC's news release number 2004-104, 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 October 15 through November 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.