97cae3 group d dsbb no 02 36 4985 table of contents i general information 1 ii assignment rating 6 a overall b description institution 7 c reasonableness delineated community iii conclusions with respect to performance categories 10 development geographic distribution 12 marketing and types credit offered extended 21 discrimination other illegal practices 40 e ascertainment needs iv new york state analyses 42 cra for scope examination operation in 43 assessments factors 49 2 51 3 54 metropolitan statistical area msa 55 5600 ny 5380 nassau suffolk 60 1280 buffalo niagara falls 61 4 6840 rochester 63 5 8160 syracuse 64 0960 binghamton 66 3610 jamestown 8 5660 newburgh pa 67 9 non county steuben