Document Headings

                    Document headings vary by document type but may contain                    the following:                  
                -                       the agency or agencies that issued and signed a document                    
                -                       the number of the CFR title and the number of each part                      the document amends, proposes to amend, or is directly                      related to                    
                -                       the agency docket number / agency internal file number                    
                -                       the RIN which identifies each regulatory action listed in                      the Unified Agenda of Federal Regulatory and Deregulatory                      Actions                    

                    See the                                          Document Drafting Handbook                                        for more details.                  

###### Federal Reserve System

                    The  companies  listed  in  this  notice  have applied to the Board  for approval, pursuant to the Bank Holding Company  Act of 1956 (12 U.S.C. 1841*et seq.*) (BHC Act), Regulation Y (12  CFR  Part 225), and all other applicable statutes and regulations to become a bank  holding company and/or to acquire the assets or the ownership of, control of,  or the power to vote shares of a bank or bank holding company and all of the  banks  and nonbanking  companies  owned  by  the  bank  holding company, including the companies listed below.                

                    The applications listed below, as well as other related filings required by the Board, are available for immediate inspection at the Federal Reserve Bank indicated.  The application also will be  available  for inspection at the  offices  of  the Board of Governors.  Interested persons  may  express their views in writing  on  the  standards  enumerated  in  the BHC Act (12 U.S.C.  1842(c)).   If  the  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 January 3, 2005.

**Federal  Reserve  Bank  of  Chicago**                     (Patrick  M. Wilder, Assistant  Vice  President)  230  South  LaSalle  Street, Chicago, Illinois 60690-1414:                

                    Main Street Trust, Inc.                    **, Champaign,  Illinois;  to acquire 100  percent  of  the  voting  shares  of  Citizens  First Financial Corp., Bloomington,  Illinois,  and  thereby indirectly acquire  Citizens  Savings Bank, Bloomington, Illinois.                

Board of Governors of the Federal Reserve System, December 3, 2004.

Robert deV. Frierson,

Deputy Secretary of the Board.

[FR Doc. 04-27011 Filed 12-8-04; 8:45 am] 

BILLING CODE 6210-01-S