59598 Federal Register / Vol. 69, No. 192 / Tuesday, October 5, 2004 / Notices 

proposal also involves the acquisition of 

a nonbanking company, the review also 

includes whether the acquisition of the 

nonbanking company complies with the 

standards in section 4 of the BHC Act 

(12 U.S.C. 1843). Unless otherwise 

noted, nonbanking activities will be 

conducted throughout the United States. 

Additional information on all bank 

holding companies may be obtained 

from the National Information Center 

website at www.ffiec.gov/nic/.

Unless otherwise noted, comments 

regarding each of these applications 

must be received at the Reserve Bank 

indicated or the offices of the Board of 

Governors not later than October 29, 

2004.

A. Federal Reserve Bank of Cleveland

(Cindy C. West, Banking Supervisor) 

1455 East Sixth Street, Cleveland, Ohio 

44101–2566:

1. Fifth Third Bancorp, and Fifth 

Third Financial Company, both of 

Cincinnati, Ohio; to acquire 100 percent 

of the voting shares of, and thereby 

merge with First National Bankshares of 

Florida, Inc., Naples, Florida, and 

thereby indirectly acquire voting shares 

of First National Bank of Florida, 

Naples, Florida.

2. Peoples Community Bancorp, Inc., 

West Chester, Ohio; to become a bank 

holding company by acquiring 38 

percent of the voting shares of Columbia 

Bancorp, Inc., and thereby indirectly 

acquire voting shares of The Columbia 

Savings Bank, both of Cincinnati, Ohio.

In connection with this application, 

Applicant also has applied to retain 

Peoples Community Bank, West 

Chester, Ohio, and thereby engage in 

operating a savings association, 

pursuant to section 225.28(b)(4)(ii) of 

Regulation Y.

B. Federal Reserve Bank of Kansas 

City (Donna J. Ward, Assistant Vice 

President) 925 Grand Avenue, Kansas 

City, Missouri 64198–0001:

1.Centennial Bank Holdings, Inc., Fort 

Collins, Colorado; and its wholly owned 

subsidiary Newco Front Range, Inc., 

Fort Collins, Colorado, to acquire 100 

percent of the voting shares of Guaranty 

Corporation, Denver, Colorado, and 

thereby indirectly acquire Guaranty 

Bank and Trust Company, Denver, 

Colorado, Collegiate Peaks Bank, Buena 

Vista, Colorado, and First National Bank 

of Strasburg, Strasburg, Colorado.

In connection with this application, 

Applicant also has applied to acquire 

voting shares of Guaranty Corporation, 

Denver, Colorado, and thereby 

indirectly acquire AMG Guaranty Trust, 

N.A., Greenwood Village, Colorado, and 

thereby engage in trust activities, 

pursuant to section 225.28(b)(5) of 

Regulation Y.

Board of Governors of the Federal Reserve 

System, September 30, 2004.

Robert deV. Frierson,

Deputy Secretary of the Board.

[FR Doc. 04–22378 Filed 10–4–04; 8:45 am]

BILLING CODE 6210–01–S

FEDERAL RESERVE SYSTEM

Consumer Advisory Council

ACTION: Notice of Meeting of Consumer 

Advisory Council

The Consumer Advisory Council will 

meet on Thursday, October 28, 2004. 

The meeting, which will be open to 

public observation, will take place at the 

Federal Reserve Board’s offices in 

Washington, D.C., in Dining Room E on 

the Terrace level of the Martin Building. 

Anyone planning to attend the meeting 

should, for security purposes, register 

no later than Tuesday, October 26, by 

completing the form found on–line at: 

https://www.federalreserve.gov/secure/

forms/cacregistration.cfm.

Additionally, attendees must present 

photo identification to enter the 

building.

The meeting will begin at 9:00 a.m. 

and is expected to conclude at 1:00 p.m. 

The Martin Building is located on C 

Street, NW, between 20th and 21st 

Streets.

The Council’s function is to advise 

the Board on the exercise of the Board’s 

responsibilities under various consumer 

financial services laws and on other 

matters on which the Board seeks its 

advice. Time permitting, the Council 

will discuss the following topics:

Community Reinvestment Act 

Proposed Rules: Discussion of the 

impact of the recent CRA proposals on 

community reinvestment and the 

process of interagency oversight and 

supervision.

Courtesy Overdraft Protection:

Discussion of issues relative to coverage 

of courtesy overdraft protection under 

the Truth in Savings Act or the Truth in 

Lending Act.

Anti–Predatory Lending Laws:

Discussion of federal and state 

legislation to protect consumers from 

abusive lending practices.

Electronic Fund Transfer Act:

Discussion of issues in connection with 

the proposed changes to Regulation E, 

which implements the Electronic Fund 

Transfer Act.

Committee Reports: Council 

committees will report on their work.

Other matters initiated by Council 

members also may be discussed.

Persons wishing to submit views to 

the Council on any of the above topics 

may do so by sending written 

statements to Ann Bistay, Secretary of 

the Consumer Advisory Council, 

Division of Consumer and Community 

Affairs, Board of Governors of the 

Federal Reserve System, Washington, 

D.C. 20551. Information about this 

meeting may be obtained from Ms. 

Bistay, 202–452–6470.

Board of Governors of the Federal Reserve 

System, September 29, 2004.

Jennifer J. Johnson

Secretary of the Board

[FR Doc. 04–22332 Filed 10–4–04; 8:45 am]

BILLING CODE: 6210–01–S

FEDERAL RESERVE SYSTEM

Sunshine Act Meeting

AGENCY HOLDING THE MEETING: Board of 

Governors of the Federal Reserve 

System.

TIME AND DATE: 11:30 a.m., Tuesday, 

October 12, 2004.

PLACE: Marriner S. Eccles Federal 

Reserve Board Building, 20th and C 

Streets, N.W., Washington, D.C. 20551.

STATUS: Closed.

MATTERS TO BE CONSIDERED:

1. Personnel actions (appointments, 

promotions, assignments, 

reassignments, and salary actions) 

involving individual Federal Reserve 

System employees.

2. Any items carried forward from a 

previously announced meeting.

FOR FURTHER INFORMATION CONTACT:

Michelle A. Smith, Director, Office of 

Board Members; 202–452–2955.

SUPPLEMENTARY INFORMATION: You may 

call 202–452–3206 beginning at 

approximately 5 p.m. two business days 

before the meeting for a recorded 

announcement of bank and bank 

holding company applications 

scheduled for the meeting; or you may 

contact the Board’s Web site at http://

www.federalreserve.gov for an electronic 

announcement that not only lists 

applications, but also indicates 

procedural and other information about 

the meeting.

Board of Governors of the Federal Reserve 

System, October 1, 2004.

Robert deV. Frierson,

Deputy Secretary of the Board.

[FR Doc. 04–22522 Filed 10–1–04; 3:59 pm]

BILLING CODE 6210–01–S