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THE DOCTRINE of potential competition, while gaining increased prominence in bank merger analysis, remains an empirically vacuous standard for federal regulatory action on bank merger applications.' A major issue related to the question of potential competition concerns the probability that a merger applicant would become a competitor in the market of the proposed acquired bank through de novo branch entry if the merger were denied. Of equal interest to federal regulators is the probability that the resulting bank would establish a de novo office in the market of the acquired bank subsequent to merger approval. This consideration focuses upon the effects on future competition deriving from expansion of the resulting bank within its newly-entered market.2 While objective criteria are utilized in assessing actual competition in bank merger cases, the determination of potential and future competition remains primarily subjective. The purpose of this paper is to establish objective operational guidelines for predicting de novo expansion in bank merger cases. In the process, the relative impact of various factors upon bank expansion decision-making is empirically estimated. Section II contains a multivariate discriminant model which distinguishes between decisions of merger applicants to, or not to, open de novo branch offices in the markets of the banks either acquired or denied acquisition through federal regulatory action on their merger applications. The sample selection procedure is described and a cash flow analysis of market expansion behavior of commercial banks is outlined. In Section III, the methodology is discussed and test results of the discriminantmodel are presented and evaluated. Finally, Section IV contains the prospects and implications of the study.

The paper outlines some of the elementary statistical methods, and illustrates their application to a variety of problems encountered in the field of electricity supply. Particular attention is given to methods of describing group performance, such as by classification, and graphic representation of the frequencies at which the classified values of a variable characteristic occur, and by kindred graphs; and to the method of estimating the performance of an indefinitely large group by investigating a limited sample only. Various methods of sample selection are indicated and a number of elementary formulae added, which may enable the supply engineer to choose economic sample-sizes and to assess the significance of results. A collection of frequency diagrams illustrate conditions met with in practice. Reference is also made to the elements of correlation and regression analysis.

The effect of the selection of material on the periodontal index (PDI-M). determined for 93 rheumatoid (RA) males aged 15–44 years and 100 RA females aged 15–67 years (Material I), was investigated on the basis of general dental conditions in 337 RA males aged 15–44 years and 751 RA females aged 15–73 years (Material II), from which Material I had originated. the results were compared with corresponding findings in non-rheumatoids (NRA). In NRA, Material I consisted of 124 males aged 15–64 years and 129 females aged 15–63 years and Material II of 355 males and 677 females aged 15–4 years.In the males, at limit values PDI-M = 2 and 3, the relationship between PDI-M scores in RA and NRA was not influenced by the selection of material. At limit value PDI-M = 4, the marked selection in RA had, in Material I, led to a smaller difference between RA and NRA than might otherwise have been present. In the females, at limit values PDI-M = 2 and 3, the differences observed in Material I decreased when Material II wa...

In samples of any defined igneous rock type some compositions will approach those of associated and earlier-formed rock types and others will approach those of associated and later-formed rock types. Thus in an area showing genetically related granites, adamellite and granodiorite, a large selection of samples properly described as adamellite would be expected to show all compositional variations towards granodiorite or granite. The trends of concentration changes of elements plotted against a common measure of evolution within any defined rock type are discussed. Frequency distribution patterns for data for a reasonable number of samples of the rock type are shown to vary from element to element and the importance of analytical errors is illustrated. The degree and sense of skewness in the frequency distribution diagrams is entirely relative and depends on the method of sample selection as well as on analytical error.

The improved procedure for continuous amino acid analysis offers unattended operation over a period of 96 hr. by introducing an automatic system for sequential application of 24 samples to a single chromatographic column. This device consists of a set of two 24-port rotary valves working in synchrony; it is used for automatic sample selection, thus replacing the 6-port valve for automatic column selection. The stepwise 4-buffer elution program still is the same as described earlier and again it is regulated by a 4-port rotary valve. Chances in chromatographic resolution through aging of the columns over long periods of operation are discussed. Timely repouring of the resin restores the original resolution.

The two preceding presentations by Dr. O'Neill and Dr. Bartell have described sub-cultural variations in group sexual activities in the New York City area and the Chicago suburbs, respectively. Each employed a different means of investigative access-the O'Neills using informal channels and the Bartells, at least initially, heavily relying on "swingers' ads." Each used different criteria of sample selection. A most important distinction is that the Bartells chose to study suburbanites, eliminating from their sample urban dwellers whom they found to be substantially different in their group sexual expression. We introduce to you a third variation, but one which bears a substantial similarity to the O'Neill's findings. Our study was centered in the San Francisco Bay area primarily, and we gained access initially through organized "sexual freedom" groups. Along with the more general differences in regional environments, we feel that the means of access and sample selection are important variables in accounting for and understanding the apparent differences in findings. Taking these variables into account, the differences seem to fall into rather clear sub-cultural variations evidencing two primary types of motivational patterns. The data we have gathered aid us in describing both types and there is no initial reason to believe the research to date is anything but compatible or even mutually reinforcing. In assessing the presentations let us suggest two very common but useful analogies, those of the persons exploring the elephant and the visibility of the iceberg. They are instructive in that they indicate serious limitations placed on any study designed at this point to analyze attempts at sexual freedom. A wide range of socio-sexual phenomena from public nudity on stages and in bars to private but accessible sex groups are entering into that range of vision known as social science. As systematic observation and research pertaining to the sexual freedom movement

Sequential selection techniques are presented which can be utilized to determine items for inclusion in samples as if these items were selected by classical, non-sequential, sampling plans. These techniques eliminate the need to sort data according to classification categories prior to sample selection. Thus, these techniques will enable effective use of digital computers to select samples according to most known sampling plans. General computer programs which will utilize these sequential selection techniques are also described.

A representative enquiry based on sample selection was undertaken among Hungarian tourists in Austria with the object of investigating the general attitude taken up with regard to conciliar renewal and pastoral action. The truth or falsity of the relevant hypotheses was tested in five sets of questions: there were questions with general secular reference ; questions with secular reference concerning Hungary; questions with religious and general reference, but concerning Hungary; questions with reference to the Council and religious renewal in general; and questions relating to liturgical reform. In addition to several detailed results and particular conclusions the fol lowing basic trends were verified: 1. Pastoral action should, according to the faithful, come to grips with many more problems of a general kind as problems which stand in relationship to specifically new experiences in the life of the Church, i.e. the presuppositions are the most important thing in this particular field. 2. In this sector, however, it seems that there is a great amount of lee way to be made up. Pastoral action therefore should be on the one hand very intensive and on the other hand be well-balanced, pedagogic and careful in its method of application, i.e. it should ensure the quickest possible transition without being precipitate. 3. The greatest, and perhaps the most dangerous, deficiency in the religious life of Hungarian Catholics seems to lie in the field of religious education, religious culture, information and knowledge. The long spiritual isolation, the lack of objective means of spiritual orientation and of religious cultural nourishment, the impossibility of keeping up to date with the spiritual development of the Church as a whole are probably leading not only to a lack of knowledge but are also bringing about changes at the deepest levels of the human psyche.

Theoretical models for sample selection by diagnosis using one, one-out-of-two, two, two-out-of-three, and three concurring opinions are illustrated. These models are then applied to two categories, schizophrenia and depressive disorders, for an actual sample of patients diagnosed by multiple observers. The conclusion is reached that sample selection by a single opinion is not sufficiently reliable for research studies. The choice of alternative methods of selection depends on the needs of a particular study. Samples chosen on the basis of two-out-of-three concurring opinions provide the least total error. When erroneous inclusions are particularly undesirable, higher degrees of consensus—e.g. agreeing pairs or triplets—are necessary.

The objective of this program was to perform and evaluate solid strand burn rate measurements on the Titan 3 propellant taken from cartons which were cast during motor manufacture. The results of this evaluation would determine if the solid strand burn rate technique would be an acceptable approach toward re-establishing the correlation between full-scale motor performance, and small ballistic test motors, and liquid strand burn rate tests. The effects of strand preparation, sample selection, burn rate variability within the carton, and particle orientation were briefly investigated. During the program, an improved monitoring system was developed and demonstrated.

A review of the present state-of-the-art in the areas of gas chromatography, radiochemical counting and inert cover gas sampling reveals that : 1, The chromatographic approach to fuel failure detection and locatlon is technically feasible and holds promise of having distinct advantages over existing methods. 2, Considerable knowledge which is directly applicable to the problem exists and therefore the research and development costs required will be modest, 3. Existfng knowledge indicates that there is a high probability that a successful failed fuel locator can be constructed based on gas chromatographic separation of the rare gases followed by radiochemical counting . 4, Sample selection and conditioning will pose a major problem in any failure location system which is based on the measurement of fission gas concentration in individual cover gas channels.

Results of ultrasonic harmonic generation are combined with those of ultrasonic beam mixing [R. W. Dunham and H. B. Huntington], to obtain a complete set of truly adiabatic third‐order elastic constants of a strain‐free sample of G.E. type 151 fused silica: C111+64.8±0.5×1011 dyn/cm2; C144=+5.4±0.3×1011 dyn/cm2; and C456=−1.32±0.08×1011 dyn/cm2. Differences among values of the third‐order elastic constants for different samples are great enough that care in sample selection is necessary for consistent results.

OVER THE PAST DECADE, the number of minority-owned commercial banks in the United States has expanded from ten to forty-four and their assets have increased more than tenfold, to $673 million. Various aspects of the performance of these banks as well as their potential role in community economic development have been examined by other authors.However, the continually increasing growth in the number of such institutions together with the recent difficulties experienced by several of the newer ones suggest the need for additional analysis. The differences in the portfolio management and operating procedures of the older and newer minority banks reported by Andrew Brimmer [7] and John Boorman [3] indicate that it may be inappropriate to aggregate over all minority-owned banks when analyzing their performance. As a result, the present study concentrates solely on the experience of the eight minority-owned banks founded between 1963 and 1965 and compares their performance with that of a sample of similarly situated nonminority banks.2 The nonminority banks in the comparative sample were chosen to insure similarity with the maturity, location and general economic environment of the minority-owned banks.3 The sample selection criteria employed to define the comparative sample are