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accounts acquire acquiror activities adverse effects affiliates agreement amended application approval assets authority bank holding company bank's Bankers Trust BHC Act BHCA Board of Governors Bull charter Chenango County Citicorp commercial banks commercial loans commercial paper competition Comptroller Connecticut consummation Corp Corporation County Court customers demand deposits Department depository institutions engage FDIC Federal Reserve Board Federal Reserve System FHLBB Fidelity Fidelity's firms Florida FSLIC Glass-Steagall Act Guidelines Holding Company Act industrial loan companies industry interest interstate banking investment issue limited loan association market share McFadden Act ment National Bank nonbanking Norstar offices operations percent permitted potential prohibited proposed acquisition purchase regulations regulatory relevant savings and loan savings banks Schwab securities shareholders SLHC statute subsidiary substantial Supp supra target tender offer thrift institutions tion total deposits transaction Trust Company underwriting voting shares York