[Beck]

Atrocities, if you have the money available, I would swap out the church. Churches are way down on the list since they only give you a +1 happiness. Given your resource mix, I think the best option for you is to switch between banks/stadiums and factories until you have 5 of each. That's assuming your citizen income is above $85. If it's below, then buy a stadium instead of a bank. As a frame of reference, I have 41 improvements and it was only the last one that I bought my first church. This is a suggested basic improvement list:

a. Basic improvement order

Harbor, *Bank, Stadium, Stadium, Bank, Stadium, Bank, Stadium, Bank, Stadium, Bank, Factory, Factory, Factory, Factory, Factory, School, School, School, University, University, Foreign Ministry, School, School, Clinic, Clinic, Hospital, ***Police Headquarters, Police Headquarters, Police Headquarters, Police Headquarters, Police Headquarters, Clinic, Clinic, Clinic, **Church, Church, Church, Church, Church, Intelligence Agency, Intelligence Agency, Intelligence Agency, Intelligence Agency, Intelligence Agency, Labor Camp, Labor Camp, Labor Camp, Labor Camp, Labor Camp.

*Get a Stadium if the citizens are making less than $85 of gross income.
**Intel Agencies and Churches are pretty much the same, the order doesn’t matter.
***You may buy Labor Camps before the Police HQ if you don't want to do improvement swapping.

I adjust the order based on the resources I have since the lack of infrastructure reducing resources for example means you'll be paying higher infrastructure costs. In that case pushing up factories makes sense. Based on your resources, you might go something like bank, factory, bank, bank, factory, bank, factory, stadium, stadium factory, stadium factory, stadium, stadium just to get some of those infrastructure cost cutting in earlier. When you're at a decision point as to which to do, look at your upkeep cost per point of infrastructure and multiple it by your total infrastructure and compare it to the 7% for banks and $6.00 for stadiums added to income times your tax rate times the number of citizens. Whichever makes the makes or saves the most money, buy.

Edit: After typing this, I realized you're still under restrictions from your terms of surrender as regards factories. You have another 36-37 days to go before you can buy any factories. So for the time being, you're definitely banks/stadiums depending on what your citizen income is. Factories will have to wait until after the restriction is lifted.