NOTICES

DEPARTMENT OF BANKING

Action on Applications

[31 Pa.B. 6549]

   The Department of Banking of the Commonwealth of Pennsylvania, under the authority contained in the act of November 30, 1965 (P. L. 847, No. 356), known as the Banking Code of 1965; the act of December 14, 1967 (P. L. 746, No. 345), known as the Savings Association Code of 1967; the act of May 15, 1933 (P. L. 565, No. 111), known as the Department of Banking Code; and the act of December 19, 1990 (P. L. 834, No. 198), known as the Credit Union Code, has taken the following action on applications received for the week ending November 20, 2001.

BANKING INSTITUTIONS

Mutual Holding Company Reorganizations

Date	Name of Institution		Location	Action
11-13-01	PHS Bancorp, M.H.C. Beaver Falls Beaver County		Beaver Falls	Approved
	Application represents the reorganization/conversion of the mutual holding company into a new Commonwealth stock holding company to be known as ''PHSB Financial Corporation.''

Consolidations, Mergers and Absorptions

Date	Name of Bank		Location	Action
11-14-01	The Peoples State Bank,    East Berlin, and Community    Banks, N.A., Millersburg    Surviving institution--    The Peoples State Bank,    East Berlin, with a change    in corporate name and location    to Community Banks, Millersburg		East Berlin	Filed

Branch Applications

Date	Name of Bank		Location	Action
11-14-01	Royal Bank of Pennsylvania Narberth Montgomery County		1650 Grant Avenue Philadelphia Philadelphia County	Filed

Branch Discontinuances

Date	Name of Bank		Location	Action
11-14-01	Fulton Bank Lancaster Lancaster County		Weaver's Market Routes 272 and 897 Adamstown Lancaster County	Filed

SAVINGS INSTITUTIONS

No activity.

CREDIT UNIONS

No activity.

JAMES B. KAUFFMAN, Jr.,   
Secretary

[Pa.B. Doc. No. 01-2128. Filed for public inspection November 30, 2001, 9:00 a.m.]

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