Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 23 

Week Ending June 9, 2001 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions June 3, 2001 to June 9, 2001 

Banks, Foreign 

Bank Austria Aktiengesellschaft, Vienna, Austria -- to establish branches in Greenwich, 

Connecticut, and New York, New York. 

- Approved, June 4, 2001 

RHEINHYP Rheinische Hypothekenbank, AG, Frankfurt am Main, Germany -- to 

establish a representative office in New York, New York. 

- Approved, June 4, 2001 

Enforcement 

Incus Co., Ltd., Tortola, British Virgin Islands, and Carlos Hank Rhon, an institutionaffiliated party of Incus Co. and Laredo National Bancshares, Laredo, Texas. --

settlement of administrative enforcement proceeding. 

- Announced, May 31, 2001 (AC) 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority June 3, 2001 to June 9, 2001 

BS&R 

C&CA 

FOMC 

Banking Supervision and Regulatio 

Consumer and Community Affai 

Federal Open Market Committ 

RBOPS 

IF 

OSDM 

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Managemen

Bank Branches, Domestic 

Secretary 

Allfirst Bank, Baltimore, Maryland -- to establish a branch at 3995 Carlisle Road, Dover, 

Pennsylvania. 

- Approved, June 1, 2001 (AC) 

Philadelphia 

Ameriserv Financial Bank, Johnstown, Pennsylvania -- to establish a branch at 231 State 

Street, Harrisburg. 

- Approved, June 4, 2001 

Chicago 

Bank of Washtenaw, Saline, Michigan -- to establish a branch at 250 West Eisenhower, 

Ann Arbor. 

- Approved, June 4, 2001 

Kansas City 

Bunceton State Bank, Bunceton, Missouri -- to establish a branch at 301 East 

Broadway, Ashland. 

- Approved, June 7, 2001 

Cleveland 

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 6945 and 6953 Ridge 

Road, Parma. 

- Approved, June 4, 2001 

Chicago 

La Salle State Bank, La Salle, Illinois -- to establish a branch at 901 Wenzel Road, Peru. 

- Approved, June 8, 2001 

Atlanta 

SouthTrust Bank, Birmingham, Alabama -- to establish branches at 1999 Lake Road, 

Hiram, Georgia, and 900 Eagles Landing Parkway, Stockbridge. 

- Approved, June 4, 2001 

(AC) = Addition or Correction Delegated - Page 1 of 7 
H.2 Actions under delegated authority June 3, 2001 to June 9, 2001 

Bank Branches, Domestic 

Chicago 

Tri-County Bank, Brown City, Michigan -- to establish a branch at 2575 Van Dyke, 

Marlette. 

- Approved, June 8, 2001 

Bank Holding Companies 

Chicago 

Advantage Bancorp, Woodbury, Minnesota -- to become a bank holding company 

through the acquisition of First Choice Bank, a de novo bank, Geneva, Illinois. 

- Approved, June 8, 2001 

Atlanta 

Appalachian Bancshares, Inc., Ellijay, Georgia -- request for waiver of a commitment. 

- Returned, June 8, 2001 

Chicago 

CIB Marine Bancshares, Inc., Pewaukee, Wisconsin -- to acquire Citrus Financial 

Services, Inc., Vero Beach, Florida, and Citrus Bank, N.A. 

- Approved, June 5, 2001 

Secretary 

Atlanta 

Dallas 

Citigroup Inc., New York, New York -- commenter's request to extend the comment 

period on the application to acquire European American Bank, Uniondale. 

- Denied, June 5, 2001 

Georgia Banking Company, Inc., Atlanta, Georgia -- to become a bank holding company 

through the acquisition of Georgia Banking Company. 

- Withdrawn, June 7, 2001 

GNB Bancshares, Inc., Gainesville, Texas, and Guaranty National Bancshares, Inc., 

Wilmington, Delaware -- to acquire First Bank and Trust, a de novo bank, Ennis, Texas. 

- Approved, June 6, 2001 

(AC) = Addition or Correction Delegated - Page 2 of 7 
H.2 Actions under delegated authority June 3, 2001 to June 9, 2001 

Bank Holding Companies 

Chicago 

Henry State Bancorp, Inc., Henry, Illinois -- to become a bank holding company through 

the acquisition of Henry State Bank. 

- Withdrawn, June 5, 2001 

Chicago 

Hustisford Community Bancorp, Inc., Hustisford, Wisconsin -- to become a bank holding 

company through the acquisition of Hustisford State Bank. 

- Approved, June 5, 2001 

Secretary 

Northern Trust Corporation, Chicago, Illinois -- to acquire shares of Gateway Solutions, 

LLC, Chicago, and engage in providing data processing services. 

- Approved, June 4, 2001 

Atlanta 

Old Florida Bankshares, Inc., Fort Myers, Florida -- to become a bank holding company 

through the acquisition of Old Florida Bank. 

- Approved, June 8, 2001 

San Francisco 

Puget Sound Financial Services, Inc., Fife, Washington -- to become a bank holding 

company through the acquisition of Fife Commercial Bank. 

- Approved, June 4, 2001 

Dallas 

Republic Bancshares of Texas, Inc., Houston, Texas -- to become a bank holding 

company through the acquisition of RBT Holdings, Inc., Dover, Delaware, and Republic 

National Bank, Houston, and for RBT Holdings, Inc. to become a bank holding company 

through the acquisition of Republic National Bank. 

- Approved, June 8, 2001 

Secretary 

Southern Development Bancorporation, Inc., Arkadelphia, Arkansas -- to acquire Delta 

Bank and Trust, Drew, Mississippi. 

- Approved, June 7, 2001 

(AC) = Addition or Correction Delegated - Page 3 of 7 
H.2 Actions under delegated authority June 3, 2001 to June 9, 2001 

Bank Holding Companies 

Atlanta 

Wewahitchka State Bank Employee Stock Ownership Plan, Wewahitchka, Florida -- to 

retain shares of Gulf Coast Community Bancshares, Inc. 

- Approved, June 5, 2001 

Banks, Foreign 

New York 

Banco Espirito Santo, S.A., Lisbon, Portugal; E.S. Control Holding S.A., Luxembourg, 

Luxembourg, Espirito Santo Financial Group S.A., E.S. International Holding S.A.; 

Espirito Financial (Portugal) Sociedade Gestora de Participacoes Sociais, S.A., Lisbon, 

Portugal, Bespar Sociedade Gestora de Participacoes Sociais, S.A.; and Caisse de 

Credit Agricole, Paris, France -- to retain securities of Clarity Incentive Systems, Inc., 

New York, New York acquire additional securities of Clarity Incentive Systems, Inc. 

and thereby continue to engage in data processing and management consulting and 

counseling activities; and retain securities of Finet.com, Inc. and thereby engage in certain 

activities related to extending credit. 

- Approved, June 8, 2001 

Banks, State Member 

Chicago 

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to purchase certain assets and 

assume certain liabilities of Fifth Third Bank, Southwest FSB, Scottsdale, Arizona, and 

thereby establish nine branches. 

- Approved, June 8, 2001 

San Francisco 

United Security Bank, Fresno, California -- to make a community development and 

public welfare investment in California Corporate Tax Credit Fund VI, LP. 

- Approved, June 7, 2001 

Change In Bank Control 

San Francisco 

Business Bank Corporation, Las Vegas, Nevada, and Business Bank of Nevada --

change in bank control. 

- Permitted, June 4, 2001 

(AC) = Addition or Correction Delegated - Page 4 of 7 
H.2 Actions under delegated authority June 3, 2001 to June 9, 2001 

Change In Bank Control 

Cleveland 

NSD Bancorp, Inc., Pittsburgh, Pennsylvania -- change in bank control. 

- Returned, June 8, 2001 

Competitive Factors Reports 

Philadelphia 

E TRADE Bank, Arlington, Virginia -- report on competitive factors of the proposed 

acquisition of deposit accounts from Advanta National Bank, Wilmington, Delaware. 

- Submitted, June 5, 2001 

Kansas City 

First National Bank of Flagler, Flagler, Colorado -- report on competitive factors of the 

proposed purchase of certain assets and assumption of certain liabilities of the Wiggins, 

Colorado, branch of Vectra Bank Colorado, National Association, Farmington, New 

Mexico. 

- Submitted, June 7, 2001 

Philadelphia 

Fulton Financial Advisors, National Association, Lancaster, Pennsylvania -- report on 

competitive factors of the proposed acquisition of the trust business of The Drivers & 

Merchants Bank, York. 

- Submitted, June 7, 2001 

Dallas 

Ouachita Independent Bank, West Monroe, Louisiana -- report on competitive factors of 

the proposed purchase of the Bastrop branches of First Guaranty Bank, Hammond. 

- Submitted, June 7, 2001 

San Francisco 

PremierWest Bank, Medford, Oregon -- report on competitive factors of the proposed 

merger with Leader Mortgage Loan Corporation. 

- Submitted, June 6, 2001 

(AC) = Addition or Correction Delegated - Page 5 of 7 
H.2 Actions under delegated authority June 3, 2001 to June 9, 2001 

Competitive Factors Reports 

Minneapolis 

S&C Bank, New Richmond, Wisconsin -- report on competitive factors of the proposed 

mergers with S&C Bank Polk County, Balsam Lake, and S&C Bank Chippewa, Stanley. 

- Submitted, June 4, 2001 

Dallas 

Zavala County Bank, Crystal City, Texas -- report on competitive factors of the 

proposed merger with Zavala Bankshares Incorporated. 

- Submitted, June 4, 2001 

Extensions Of Time 

San Francisco 

Gateway Bancorp, Santa Ana, California -- extension to October 18, 2001, to acquire 

Bank of Lakewood, Lakewood, and Mission Hills Mortgage Corporation, Santa Ana. 

- Approved, June 4, 2001 

Financial Holding Companies 

San Francisco 

Columbia Bancorp, The Dalles, Oregon -- election to become a financial holding 

company. 

- Effective, June 4, 2001 

Cleveland 

Community Bancshares, Inc., McArthur, Ohio -- election to become a financial holding 

company. 

- Effective, June 2, 2001 (AC) 

Membership 

Chicago 

Comerica Bank-Texas, Dallas, Texas -- to become a member of the Federal Reserve 

System. 

- Approved, June 5, 2001 

(AC) = Addition or Correction Delegated - Page 6 of 7 
H.2 Actions under delegated authority June 3, 2001 to June 9, 2001 

Membership 

Richmond 

First Charter Bank, Charlotte, North Carolina -- to become a member of the Federal 

Reserve System. 

- Approved, June 6, 2001 

Atlanta 

Regions Bank, Birmingham, Alabama -- to become a member of the Federal Reserve 

System. 

- Approved, June 7, 2001 

(AC) = Addition or Correction Delegated - Page 7 of 7 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, June 9, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Reg K Anglo Irish Bank Corporation plc, Dublin, Ireland – to establish Newspaper – 7/5/2001 

a representative office in New York, New York 

Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

4(c)(8) Danvers Bancorp, Inc., Danvers, Massachusetts - notification to Newspaper - 7/5/2001 

acquire Revere, MHC, Revere, Massachusetts Fed Reg - N/Avail 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

None 
Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs 

of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted 

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation 

was revised in May 1995. 

The CRA requires that each depository institution's record in helping meet the credit needs of its entire 

community be evaluated periodically. That record is taken into account in considering an institution's application 

for deposit facilities. 

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. 

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available. 

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, June 9, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Representative 

Office 

Icici Ltd., Mumbai, India, to establish a representative office in 

New York, New York.* 

Newspaper – N/Avail 

Representative 

Office 

China Merchants Bank, Shenzhen, People’s Republic of China, 

to establish a representative office in New York, New York.* 

Newspaper – N/Avail 

Representative 

Office 

Banca Comerciala Romana S.A., Bucharest, Romania, to 

establish a representative office in New York, New York.* 

Newspaper – N/Avail 

Branch Office Manufacturers And Traders Trust Company, Buffalo, New 

York, to open and occupy a branch office at 855 Franklin 

Avenue, Garden City, New York.* 

Newspaper – 06/21/2001 

* Subject to the provisions of the Community Reinvestment Act 

Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

3(a)(3) Citigroup, Inc., Citigroup Holdings Company, and Citicorp, all Newspaper – N/Avail 

of New York, New York, to indirectly acquire all of the shares Fed Reg – 07/09/2001 

of California Commerce Bank, Los Angeles, California, a statechartered . 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 
Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

None 

Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs 

of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted 

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation 

was revised in May 1995. 

The CRA requires that each depository institution's record in helping meet the credit needs of its entire 

community be evaluated periodically. That record is taken into account in considering an institution's application 

for deposit facilities. 

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. 

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available. 

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, June 9, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

None 
Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs 

of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted 

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation 

was revised in May 1995. 

The CRA requires that each depository institution's record in helping meet the credit needs of its entire 

community be evaluated periodically. That record is taken into account in considering an institution's application 

for deposit facilities. 

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. 

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available. 

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, June 9, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Received notice from Fifth Third Bank, Cincinnati, OH on 

06/04/2001 of its intent to establish a branch at 6945 and 6953 

Ridge Road, Parma, OH. 

04/30/2001

Branch Received notice from Somerset Trust Company, Somerset, PA 

on 06/04/2001 of its intent to establish a branch at 344 Goucher 

Street, Johnstown, PA. 

06/06/2001

Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

None 
Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs 

of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted 

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation 

was revised in May 1995. 

The CRA requires that each depository institution's record in helping meet the credit needs of its entire 

community be evaluated periodically. That record is taken into account in considering an institution's application 

for deposit facilities. 

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. 

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available. 

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, June 9, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

None 
Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs 

of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted 

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation 

was revised in May 1995. 

The CRA requires that each depository institution's record in helping meet the credit needs of its entire 

community be evaluated periodically. That record is taken into account in considering an institution's application 

for deposit facilities. 

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. 

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available. 

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, June 9, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) SouthTrust Bank, Birmingham, Alabama, to merge with CENIT 07/01/2001* 

Bank, Norfolk, Virginia. 

*Subject to provisions of the Community Reinvestment Act 

Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

3(a)(1) First Dozier Bancshares, Inc., Dozier, Alabama, to become a 

bank holding company by acquiring The First National Bank of 

Dozier, Dozier, Alabama. 

Fed Reg – 07/13/2001 

3(a)(1) Kensington Bankshares, Inc., Spring Hill, Florida, to become a 

bank holding company by acquiring First Kensington Bank, 

Spring Hill, Florida. 

N/Avail 

3(a)(1) The 2000 Williams Investment Company, LLC, to become a 

bank holding company by acquiring 82.8 percent of the 

outstanding shares of FNB Newton Bankshares, Inc., Covington, 

Georgia. 

N/Avail 

3(a)(1) Trust B Created Under Item V of the Last Will and Testament of 

John Rufus Williams, Atlanta, Georgia, to become a bank 

holding company by acquiring 33.3 percent of the outstanding 

shares of FNB Newton Bankshares, Inc., Covington, Georgia. 

N/Avail 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 
Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

WAIVR SouthTrust Corporation, Birmingham, Alabama, application 

waiver request for the proposed merger with CENIT Bancorp, 

Inc., and its indirect acquisition of CENIT Bank, both of 

Norfolk, Virginia. 

Foreign Colonial Bank, Montgomery, Alabama, to establish a foreign 

branch in the Cayman Islands, located on Grand Cayman B.W.I. 

Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs 

of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted 

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation 

was revised in May 1995. 

The CRA requires that each depository institution's record in helping meet the credit needs of its entire 

community be evaluated periodically. That record is taken into account in considering an institution's application 

for deposit facilities. 

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. 

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available. 

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, June 9, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Regulation K ABN AMRO Bank N.V., Amsterdam, The Netherlands, for 

prior approval to establish a branch at 680 Fifth Avenue, New 

York, New York.* 

Branch Blencoe State Bank, Blencoe, Iowa, for prior approval to 

establish a branch at 21947 State Highway 175, Onawa, Iowa.* 

Merger & Branch Cedar Rapids Bank and Trust Company (in organization), Cedar 

Rapids, Iowa, for prior approval to purchase and assume the 

assets and liabilities of the Cedar Rapids, Iowa branch of Quad 

City Bank and Trust Company, Bettendorf, Iowa and thereby to 

establish a branch at 221 Third Avenue SE, Cedar Rapids, 

Iowa.* 

Merger & Branch Central State Bank, Muscatine, Iowa, for prior approval to 

acquire the Muscatine, Iowa branch of Commercial Federal 

Bank, FSB, Omaha, Nebraska and thereby to establish a branch 

at 2400 Second Avenue, Muscatine, Iowa.* 

Merger & Branch Central Trust & Savings Bank, Cherokee, Iowa, for prior 

approval to acquire the assets and liabilities of First Federal 

Bank, Sioux City, Iowa and thereby to establish a branch at 2 

Bow Drive, Cherokee, Iowa.* 

Merger & Branch Commercial Trust & Savings Bank, Storm Lake, Iowa, for prior 

approval to acquire the Storm Lake, Iowa branch office of 

Commercial Federal Bank, FSB, Omaha, Nebraska and thereby 

to establish a branch at 1250 N. Lake Avenue, Storm Lake, 

Iowa.* 

Branch First Bank of Berne, Berne, Indiana, for prior approval to 

establish a branch at 1350 W. Main Street, Berne, Indiana.* 

Branch La Salle State Bank, La Salle, Illinois, for prior approval to 

establish a branch at 901 Wenzel Road, Peru, Illinois.* 

Branch Royal American Bank, Inverness, Illinois, for prior approval to 

establish a branch at 645 Tollgate Road, Elgin, Illinois.* 

Newspaper – 6/08/2001 

Newspaper – 6/22/2001 

Newspaper - N/Avail 

Newspaper – N/Avail 

Newspaper – N/Avail 

Newspaper – N/Avail 

Newspaper – 6/08/2001 

Newspaper – 6/01/2001 

Newspaper – 6/20/2001 
Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Merger & 

Branches 

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, for prior 

approval to purchase certain assets and assume certain liabilities 

of Fifth Third Bank, Southwest F.S.B., Scottsdale, Arizona and 

thereby to establish nine branches at the following locations: 

4835 E. Warner, Phoenix, Arizona; 270 W. Continental Road, 

Green Valley, Arizona; 1510 W. Southern Avenue, Mesa, 

Arizona; 4574 East Cactus Road, Phoenix, Arizona; 303 N. 

Montezuma Street, Phoenix, Arizona; 7350 East Evans Road, 

Scottsdale, Arizona; 2010 West Highway 89A, Sedona, Arizona; 

19428 RH Johnson Boulevard, Sun City West, Arizona and 

4380 N. Campbell Avenue, Tucson, Arizona. 

Newspaper – 6/02/2001 

Merger & 

Branches 

Titonka Savings Bank, Titonka, Iowa, for prior approval to 

purchase the Forest City, Iowa and Thompson, Iowa branches of 

Commercial Federal Bank, FSB, Omaha, Nebraska and thereby 

to establish a branch at 155 Jackson Street, Thompson, Iowa and 

to relocate their branch located at 101 N. Clark Street, Forest 

City, Iowa to 102 N. Clark Street, Forest City, Iowa.* 

Newspaper – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

3(a)(1) American Bank Holdings, LLC., Cedar Falls, Iowa, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of American 

Bancorporation, Cedar Falls, Iowa, and thereby indirectly Cedar 

Valley Holding Company, Cedar Falls, Iowa, and Cedar Valley 

State Bank, Saint Ansgar, Iowa.* 

3(a)(1) Bancshares Holding Corp., Downers Grove, Illinois, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of The Bank of 

Commerce, Downers Grove, Illinois and by Commerce 

Investments I, Commerce Investments II and Commerce 

Investments III, all located at Oak Brook Terrace, Illinois, for 

prior approval to become a bank holding company through the 

acquisition of 27.87 percent of the voting shares of Bancshares 

Holding Corp., Downers Grove, Illinois and thereby indirectly 

acquire The Bank of Commerce, Downers Grove, Illinois.* 

Fed Reg – 7/06/2001 

Newspaper – N/Avail 

Fed Reg – 6/22/2001 

Newspaper – 6/17/2001 
Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

3(a)(5) & 3(a)(1) Bank of Montreal, Montreal, Canada and Bankmont Financial 

Corp., Chicago, Illinois, for prior approval to acquire 100 

percent of the voting shares of First National Bancorp, Inc., 

Joliet, Illinois and thereby indirectly acquire First National Bank 

of Joliet, Joliet, Illinois; Bank of Montreal, Montreal, Canada 

and Harris Joliet Bankcorp, Inc., Chicago, Illinois, for prior 

approval to acquire 100 percent of the voting shares of First 

National Bancorp, Inc., Joliet, Illinois and thereby indirectly 

acquire First National Bank of Joliet, Joliet, Illinois and by 

Harris Joliet Bankcorp, Inc., Chicago, Illinois, for prior approval 

to become a bank holding company through the acquisition of 

100 percent of the voting shares of First National Bancorp, Inc., 

Joliet, Illinois and thereby indirectly acquire First National Bank 

of Joliet, Joliet, Illinois.* 

3(a)(5) Harvard Bancorp, Inc., Harvard, Illinois, for prior approval to 

acquire 100 percent of the voting shares of Hebron Bancshares, 

Inc., Hebron, Illinois and thereby indirectly acquire Hebron 

State Bank, Hebron, Illinois.* 

3(a)(5) Marshall & Ilsley Corporation, Milwaukee, Wisconsin, for prior 

approval to acquire 100 percent of the voting shares of National 

City Bancorporation, Minneapolis, Minnesota and thereby 

indirectly acquire National City Bank of Minneapolis, 

Minneapolis, Minnesota.* 

3(a)(3) Quad City Holdings, Inc., Moline, Illinois, for prior approval to 

acquire 100 percent of the voting shares of Cedar Rapids Bank 

and Trust Company (in organization), Cedar Rapids, Iowa.* 

4(c)(8) Republic Bancorp, Inc., Owosso, Michigan, notification of 

intent to acquire more than 5 percent of the voting shares of 

NetBank, Inc., Alpharetta, Georgia and thereby indirectly 

acquire NetBank, a federal savings bank, Alpharetta, Georgia 

and to acquire more than 5 percent of the voting shares of 

NetBank Partners, LLC, Alpharetta, Georgia, a nonbank 

subsidiary engaged in management consulting and counseling 

services.* 

CIC Notification by William Robert Phelps, Fairmont, Minnesota, of 

a Change in Control, for approval to retain his current 25.31 

percent of the outstanding voting shares of Swea City 

Bancorporation, Inc., Estherville, Iowa. 

Fed Reg – 6/15/2001 

Newspaper – 6/16/2001 

Fed Reg – 7/02/2001 

Newspaper – N/Avail 

Fed Reg – 7/02/2001 

Newspaper – N/Avail 

Fed Reg – 7/09/2001 

Newspaper – N/Avail 

Fed Reg – 6/04/2001 

Newspaper – 5/27/2001 

Fed Reg – 5/31/2001 

Newspaper – 6/15/2001 

* Subject to the provisions of the Community Reinvestment Act 
Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4(c)(8) Marshall & Ilsley Corporation, Milwaukee, Wisconsin, for prior 

approval to acquire 100 percent of the voting shares of 

Diversified Business Credit, Inc., Minneapolis, Minnesota and 

thereby to engage in extending credit and servicing loans. 

Fed Reg – 7/02/2001 

4(c)(8) Northview Financial Corporation, Northfield, Illinois, for prior 

approval to retain 50 percent interest in Northview Mortgage, 

LLC, Northfield, Illinois and thereby engage in extending credit 

and servicing loans through its subsidiary, Northview Bank & 

Trust. Northfield, Illinois. 

Fed Reg – 6/18/2001 

Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

Membership Cedar Rapids Bank and Trust Company (in organization), Cedar 

Rapids, Iowa, for prior approval to become a member of the 

Federal Reserve System. 

Membership Marquette National Bank, Chicago, Illinois, for prior approval to 

become a member of the Federal Reserve System. 

4(c)(8) Marshall & Ilsley Corporation, Milwaukee, Wisconsin, for prior 

approval to acquire, indirectly through its subsidiary, Metavante 

Corporation, all of the assets of CyberBills, Inc., San Jose, 

California, a leading provider of online bill management 

solutions with operations in San Jose, California, Henderson, 

Nevada and Hyderabad, India. 

4(c)(8) WFC, Inc., Waukon, Iowa, for prior approval to engage in 

making and servicing loans. 
Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs 

of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted 

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation 

was revised in May 1995. 

The CRA requires that each depository institution's record in helping meet the credit needs of its entire 

community be evaluated periodically. That record is taken into account in considering an institution's application 

for deposit facilities. 

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. 

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available. 

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, June 9, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

5(d)(3) Notice by Bank of Louisville, Louisville, Kentucky, to merge Newspaper – 7/3/2001 

with Bank of Louisville, F.S.B., La Grange, Kentucky.* 

* Subject to the provisions of the Community Reinvestment Act 

Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

3(a)(3) Notice by North Little Rock Bancshares, Inc., North Little Rock, 

Arkansas to acquire 5.69 percent of the Class A voting shares of 

Russellville Bancshares, Inc., Jonesboro, Arkansas.* 

Newspaper – 7/3/2001 

Fed Reg – N/Avail 

CIC Notice involving Pocahontas Bankstock, Inc., Pocahontas, 

Arkansas, by B. Franklin Bigger, to retain 16.97 percent. 

Newspaper – N/Avail 

Fed Reg – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

None 
Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs 

of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted 

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation 

was revised in May 1995. 

The CRA requires that each depository institution's record in helping meet the credit needs of its entire 

community be evaluated periodically. That record is taken into account in considering an institution's application 

for deposit facilities. 

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. 

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available. 

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

997650 City Bank & Trust Company, 

Moberly, Missouri 

1/16/2001 6/5/2001 S X

941541 Peoples Bank of Altenburg, 

Altenburg, Missouri 

1/29/2001 6/8/2001 S X

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, June 9, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) & BRANCH Glacier Bank of Whitefish, Whitefish, Montana, to merge with 

Glacier Bank of Eureka, Eureka, Montana, and incident thereto 

establish a branch in Eureka, Montana.* 

N/Avail. 

18(c) & BRANCH First Security Bank of Missoula, Missoula, Montana to purchase 

certain assets and assume certain liabilities of the Missoula and 

Hamilton, Montana branches of Western Security Bank, 

Billings, Montana, and incident thereto establish five branches 

in Missoula and Hamilton, Montana.* 

N/Avail. 

*Subject to the provisions of the Community Reinvestment Act. 

Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

3(a)(5) Citizens State Bancorporation, Grafton, North Dakota, for prior Fed. Reg. – N/Avail. 

approval to merge with Walhalla Bank Holding Company, Newspaper – 07/13/2001 

Walhalla, North Dakota, and Ideal Bancshares, Inc., West Fargo, 

North Dakota.* 

*Subject to the provisions of the Community Reinvestment Act. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 
Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

SMBOTH Glacier Bank of Whitefish, Whitefish, Montana, to reduce the 

amount of its capital stock. 

SMBOTH Glacier Bank of Eureka, Eureka, Montana, to reduce the amount 

of its capital stock. 

Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs 

of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted 

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation 

was revised in May 1995. 

The CRA requires that each depository institution's record in helping meet the credit needs of its entire 

community be evaluated periodically. That record is taken into account in considering an institution's application 

for deposit facilities. 

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. 

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available. 

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, June 9, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch WestStar Bank, Vail, Colorado, for prior approval to establish a Newspaper – 06/18/2001 

branch at 2448 F. Road, Grand Junction, Colorado. 

Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

3(a)(1) Landmark Bancshares, Inc., Manhattan, Kansas, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of MNB 

Bancshares, Inc., Manhattan, Kansas. 

4(c)(8) Landmark Bancshares, Inc., Manhattan, Kansas, for prior 

approval to acquire 100 percent of the voting securities of 

Landmark Bancshares, Inc., Dodge City, Kansas, and its 

subsidiary, Landmark Federal Savings Bank, Dodge City, 

Kansas, and thereby engage in operation of a savings 

association. 

CIC Nancy Jones, Trustee of the Gwendolyn Jones Irrevocable Trust, 

Encino, California, for prior approval to acquire 14.7 percent of 

the voting shares of First Altus Bancorp, Inc., Altus, Oklahoma. 

CIC Iron Mound Investments, L.L.C., Steven C. Davis, Gail Davis, 

Ernest R. Davis, Shirley A. Davis, Ricky J. Davis, Pam Davis, 

Kenny R. Davis, and Gina Davis, all of Guthrie, Oklahoma, for 

prior approval to acquire 12.14 percent of the ownership shares 

of First National Bancshares, Inc., Edmond, Oklahoma, parent 

company of First National Bank of Edmond, Edmond, 

Oklahoma. 

Newspaper – N/Available 

Fed Reg – 07/09/2001 

Newspaper – N/Availabl 

Fed Reg – 07/09/2001 

Newspaper – 06/25/2001 

Fed Reg – 06/26/2001 

Newspaper – 06/2/2001 

Fed Reg – 06/26/2001 
Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

None 

Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs 

of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted 

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation 

was revised in May 1995. 

The CRA requires that each depository institution's record in helping meet the credit needs of its entire 

community be evaluated periodically. That record is taken into account in considering an institution's application 

for deposit facilities. 

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. 

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available. 

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, June 9, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

CIC Thomas Curtis Darden, Lubbock, TX, et al, 

to acquire an interest in 

Kenco Bancshares, Inc., Jayton, TX 

(previously reported the week ending May 26, 2001) 

3(a)(1) County Bancshares, Inc., Orange, TX, to acquire 

Newton Bancshares, Inc., Newton, TX, 

Newton Delaware Financial Corporation, Dover, DE, and 

First National Bank of Newton, Newton, TX* 

(previously reported the week ending June 2, 2001) 

Fed Reg – 06/12/2001 

Newspaper – 06/21/2001 

Fed Reg – 06/28/2001 

Newspaper – 07/02/2001 

*Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

Member Oglesby State Bank, Oglesby, TX, to become a member of the 

Federal Reserve System 
Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs 

of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted 

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation 

was revised in May 1995. 

The CRA requires that each depository institution's record in helping meet the credit needs of its entire 

community be evaluated periodically. That record is taken into account in considering an institution's application 

for deposit facilities. 

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. 

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available. 

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, June 9, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch County Bank, Merced, California, to establish a branch office at 

4609 Quail Lakes Drive, Stockton, California.* 

Newspaper – 06/08/2001 

Branch Mid-Peninsula Bank, Palo Alto, California, to establish a branch 

office at 874 Fourth Street, San Rafael, California.* 

Newspaper – 06/20/2001 

* Subject to the provisions of the Community Reinvestment Act 

Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

3(a)(1) Regents Bancshares, Inc., Vancouver, Washington, to become a 

bank holding company by acquiring 100 percent of Regents 

Bank, N.A., La Jolla, California.* 

3(a)(1) Trafalgar Holdings, LLC, Vancouver, Washington, to become a 

bank holding company by acquiring 60 perccent of Regents 

Bancshares, Inc., Vancouver, Washington.* 

CIC Joseph Willy Edmonds, Seattle, Washington, to acquire 11.8 

percent of NWI Financial Corporation, Seattle, Washington* 

Newspaer – Not Avail 

Fed. Reg – Not Avail 

Newspaper – Not Avail 

Fed. Reg – Not Avail 

Newspaper – 06/25/2001 

Fed. Reg – Not Avail 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 
Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

Waiver Mid-State Bancshares, Arroyo Grande, California, requests 

waiver of any Bank Holding C1ompany Act application 

requirement in connection with its proposed merger with 

Americorp, Ventura, California. Simultaneously, Mid-State 

Bank and American Commercial Bank will merge, with MidState Bank as the survivor Bank. 

Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs 

of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by 

the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was 

revised in May 1995. 

The CRA requires that each depository institution's record in helping meet the credit needs of its entire 

community be evaluated periodically. That record is taken into account in considering an institution's application 

for deposit facilities. 

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. 

Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available. 

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None