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During the late 1980s, U. S. Bancorp of Oregon made several attempts to enter the state of Idaho by the acquisition of an existing Idaho-based bank, the only method then allowed under Idaho law, but failed when the price got too high. In March 1990, U. S. Bancorp of Oregon announced that they would established a bank through a loophole in Federal banking law that allow the Office of the Comptroller of the Currency to allow the relocation of bank headquarters within 30 miles of their present location without regards to state boundaries and state regulations. So U. S. Bancorp of Oregon announced that they plan to transfer the existing branches of the First National Bank of Spokane to the U. S. Bancorp of Washington and then ask permission from the Office of the Comptroller of the Currency to move the headquarters of First National from Spokane, Washington, to Coeur d'Alene, Idaho. After receiving Federal approval, First National was finally moved in February 1992 and renamed U. S. Bank of Idaho.

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