Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 28

Week Ending July 10, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions July 4, 2004 to July 10, 2004

Bank Holding Companies

Capital One Financial Corporation, McLean, Virginia -- to become a bank holding 

company on the conversion of its subsidiary, Capital One Bank, Glen Allen, from a 

limited-purpose, credit-card bank to a full-service bank, and retain certain nonbanking 

subsidiaries and thereby engage in certain permissible nonbanking activities; and request 

for relief from commitments in connection with the establishment of a branch in London, 

United Kingdom.

- Approved, July 6, 2004 

Regulations And Policies

Community Reinvestment Act -- publication for comment of a joint interim rule to make 

technical revisions to conform Community Reinvestment Act regulations to recent changes 

in standards for defining metropolitan statistical areas and census tracts.

- Approved, June 30, 2004 (AC)

New Bank Holding Company Rating System -- publication for comment of a new system 

for rating bank holding companies to more accurately reflect current supervisory practices.

- Approved, July 9, 2004 

(AC) = Addition or Correction Board - Page 1 of 1
July 4, 2004 to July 10, 2004

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 100 West Shawnee 

Street, Muskogee, Oklahoma.

- Approved, July 8, 2004 

St. Louis

Bank of Smithtown, Smithtown, New York -- to establish a branch at 61 Shore Road, 

Port Washington.

- Approved, July 9, 2004 

New York

CommerceFirst Bank, Annapolis, Maryland -- to establish a branch at 4451 Parliament 

Place, Lanham.

- Approved, July 7, 2004 

Richmond

DeMotte State Bank, DeMotte, Indiana -- to establish a branch at 5650 State Road 10, 

Roselawn.

- Approved, July 6, 2004 

Chicago

First Commercial Bank of Cullman County, Good Hope, Alabama -- to establish a 

branch at 19129 U.S. Highway 31, Vinemont.

- Approved, July 9, 2004 

Atlanta

First Community Bank, DeBary, Florida -- to establish a branch at 941 Village Trail, Port 

Orange.

- Approved, July 9, 2004 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish branches at 3340 Cobb Parkway, 

Acworth, and 220 South Main Street, Blacksburg, Virginia.

- Approved, July 9, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority July 4, 2004 to July 10, 2004

Bank Holding Companies

Buckhead Community Bancorp, Inc., Atlanta, Georgia -- commitment waiver request.

- Granted, July 8, 2004 

Atlanta

Davis Bancorporation, Inc., Davis, Oklahoma -- to acquire shares of Century Capital 

Financial, Inc., Kilgore, Texas, and its subsidiaries, Century Capital Financial-Delaware, 

Inc., Wilmington, Delaware, and City National Bank, Kilgore.

- Approved, July 9, 2004 

Kansas City

E J Financial Corp., Dallas, Texas -- to become a bank holding company and to acquire 

Franklin National Bankshares, Inc., Mount Vernon, and indirectly acquire Franklin 

National Delaware Bankshares, Inc., Dover, Delaware, and Franklin National Bank, 

Mount Vernon.

- Approved, July 7, 2004 

Dallas

Eggemeyer Advisory Corp., Rancho Santa Fe, California, WJR Corp., Castle Creek 

Capital LLC, Castle Creek Capital Partners Fund I, LP, Castle Creek Capital Partners 

Fund IIa, LP, and Castle Creek Capital Partners Fund IIb, LP -- to acquire shares of 

State National Bancshares, Inc., Lubbock, Texas, and indirectly acquire Mercantile Bank 

Texas, Fort Worth; and for State National Bancshares, Inc. to acquire Mercantile Bank 

Texas.

- Approved, July 8, 2004 

San Francisco

First Centralia Bancshares, Inc., Centralia, Kansas -- to acquire, directly and indirectly, 

shares of Century Capital Financial, Inc., Kilgore, Texas, and its subsidiaries, Century 

Capital Financial-Delaware, Inc., Wilmington, Delaware, and City National Bank, 

Kilgore; and FBC Financial Corporation, Claremore, Oklahoma, and its subsidiary thrift, 

1st Bank of Oklahoma.

- Approved, July 9, 2004 

Kansas City

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority July 4, 2004 to July 10, 2004

Bank Holding Companies

Morrill Bancshares, Inc., Merriam, Kansas -- to acquire, directly and indirectly, shares of 

Century Capital Financial, Inc., Kilgore, Texas, and its subsidiaries, Century Capital 

Financial-Delaware, Inc., Wilmington, Delaware, and City National Bank, Kilgore; and 

FBC Financial Corporation, Claremore, Oklahoma, and its subsidiary thrift, 1st Bank 

Oklahoma.

- Approved, July 9, 2004 

Kansas City

Pacific International Bancorp, Inc., Seattle, Washington -- to become a bank holding 

company and to acquire shares of Pacific International Bank.

- Approved, July 9, 2004 

San Francisco

Royal Bank of Canada, Montreal, Canada, RBC Centura Banks, Inc., Rocky Mount, 

North Carolina, and RBC Centura Bank -- relief from a commitment.

- Granted, July 6, 2004 

Director, BS&R

Wesbanco, Inc., Wheeling, West Virginia -- to acquire Western Ohio Financial 

Corporation, Springfield, Ohio; and for Wesbanco Bank, Inc. to merge with Cornerstone 

Bank, Springfield, and operate its existing locations as branches of Wesbanco Bank.

- Approved, July 6, 2004 

Secretary

Banks, Nonmember, And Miscellaneous Institutions

American Financial Group, Inc., Cincinnati, Ohio -- relief from commitments with respect 

to Provident Financial Group, Inc.

- Granted, July 6, 2004 

Director, BS&R

Change In Bank Control

First Clay County Banc Corporation, Clay, West Virginia -- to retain shares of First Clay 

County Banc Corporation.

- Permitted, July 9, 2004 

Richmond

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority July 4, 2004 to July 10, 2004

Change In Bank Control

Hugoton Bancshares, Inc., Hugoton, Kansas -- change in bank control.

- Permitted, July 8, 2004 

Kansas City

Ridgestone Financial Services, Inc., Brookfield, Wisconsin -- to retain control of 

Ridgestone Financial Services, Inc.

- Permitted, July 9, 2004 

Chicago

Competitive Factors Reports

AmBank, Silver City, New Mexico -- report on competitive factors of the proposed 

merger with AmBank Interim Bank.

- Submitted, July 6, 2004 

Dallas

Central National Bank, Junction City, Kansas -- report on competitive factors of the 

proposed acquisition of the Beloit branch of Landmark National Bank, Manhattan.

- Submitted, July 7, 2004 

Kansas City

Dunlap Bank, Dunlap, Illinois -- report on competitive factors of the proposed merger 

with Bartonville Bank, Bartonville.

- Submitted, July 8, 2004 

Chicago

Fairport Savings Bank, Fairport, New York -- report on competitive factors of the 

proposed mergers with Fairport Interim Bank I and Fairport Interim Bank II as part of 

the conversion of Fairport Savings Bank to a mutual holding company, FSB Community 

Banshares, MHC.

- Submitted, July 7, 2004 

New York

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority July 4, 2004 to July 10, 2004

Competitive Factors Reports

First Bankers Trust Company, National Association, Quincy, Illinois -- report on 

competitive factors of the proposed purchase of certain assets and assumption of certain 

liabilities of five branches of UnionBank, Streator.

- Submitted, July 6, 2004 

St. Louis

Hancock Bank & Trust Company, Hawesville, Kentucky -- report on competitive factors 

of the proposed merger with Breckinridge Bank, Cloverport.

- Submitted, July 6, 2004 

St. Louis

MainSource Bank, Greensburg, Indiana -- report on competitive factors of the proposed 

merger with First Community Bank and Trust, Bargersville.

- Submitted, July 8, 2004 

Chicago

MainStreet Financial Corporation, MHC, Hastings, Michigan -- report on competitive 

factors of the proposed acquisition of MainStreet Savings Bank, FSB.

- Submitted, July 8, 2004 

Chicago

State Bank, La Grange, Texas -- report on competitive factors of the proposed 

acquisition of the Caldwell and Lexington branches of Central Bank, Houston.

- Submitted, July 9, 2004 

Dallas

UnionBank, Streator, Illinois -- report on competitive factors of the proposed merger 

with UnionFinancial Services & Trust Company, Ottawa.

- Submitted, July 8, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority July 4, 2004 to July 10, 2004

Extensions Of Time

Delafield State Bank, Delafield, Wisconsin -- extension to October 17, 2004, for Town 

Bank (formerly Delafield State Bank) to establish a branch at 10 West Mifflin Street, 

Madison.

- Granted, July 8, 2004 

Chicago

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to November 4, 2004, 

to establish branches at Houghton Road and Broadway Boulevard, Tucson, Arizona; 

13926 West Bell Road, Surprise; 91st Avenue and Union Hills Drive, Peoria; and 

Coratra and Silverbell Roads, Catalina.

- Granted, July 9, 2004 

Chicago

Financial Holding Companies

DZ Bank AG Deutsche Zentral-Genossenschaftsbank, Frankfurt am Main, Germany -- 

election to be treated as a financial holding company.

- Effective, July 8, 2004 

Director, BS&R

Membership

Southside Bank, Tappahannock, Virginia -- to become a member of the Federal Reserve 

System.

- Approved, July 9, 2004 

Richmond

(AC) = Addition or Correction Delegated - Page 6 of 6
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, July 10, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

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 Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

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, July 10, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

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 Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

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, July 10, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

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 Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

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, July 10, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Croghan Colonial Bank, Fremont, OH to initiate a mobile 

branch service throughout the Sandusky, Seneca, Erie, Ottawa, 

Huron, Wood, Lucas, and Hancock County, OH areas.

Newspaper – 07/23/2004

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 707 

Grant Street, Pittsburgh, PA.

Newspaper – 07/15/2004

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 19 

North Poplar Street, Oxford, OH.

Newspaper – 07/15/2004

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

*3(a)(1) Morgan Bancorp, Inc., Hudson, Ohio, to become a bank holding 

company by acquiring 100 percent of Morgan Bank, N.A., 

Hudson, Ohio.

Newspaper – N/Avail

Fed Reg – N/Avail

*3(a)(5) & 4(c)(8) National City Corporation, Cleveland, OH, to acquire Wayne 

Bancorp, Inc., Wooster, Ohio, pursuant to sections 3 and 4 of the 

Bank Holding Company Act.

Newspaper – N/Avail

Fed Reg – 07/16/2004

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

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 Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

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, July 10, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of the James, Lynchburg, Virginia, to establish a branch at 

828 Main Street, Lynchburg, Virginia.*

Newspaper – 07/28/2004

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

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 Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

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, July 10, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch AmSouth Bank, Birmingham, Alabama, to establish a branch 

located at 2198 A1A South, St. Augustine Beach, Florida, to be 

known as the St. Augustine Beach Branch.*

Newspaper – 07/15/2004

Branch AmSouth Bank, Birmingham, Alabama, to establish a branch 

located at 601 E. Emory Road, Knoxville, Tennessee, to be 

known as the Emory Road Branch.*

Newspaper – 07/15/2004

Branch AmSouth Bank, Birmingham, Alabama, to establish a branch 

located at 10349 Narcoossee Road, Orlando, Florida, to be 

known as the Moss Park Branch.*

Newspaper – 07/15/2004

Branch Regions Bank, Birmingham, Alabama, to establish a branch 

located at the northeast corner of Carroll Road and Highway 

114, Southlake, Texas.*

Newspaper – 07/15/2004

Branch SunTrust Bank, Atlanta, Georgia, to establish a branch located at 

111 Orville Road, Baltimore, Maryland, to be known as the 

Waterview Towne Centre Office.*

Newspaper – 07/23/2004

Branch SouthTrust Bank, Birmingham, Alabama, to establish a branch 

located at 1155 Chastain Road, NW, Kennesaw, Georgia.*

Newspaper – 07/17/2004

Branch SouthTrust Bank, Birmingham, Alabama, to establish a branch 

located at 3065 Lawrenceville, Georgia.*

Newspaper – 07/17/2004

Branch SouthTrust Bank, Birmingham, Alabama, to establish a branch 

located at 3072 Old Norcross Road, Duluth, Georgia.*

Newspaper – 07/17/2004

18(c) Capital City Bank, Tallahassee, Florida, to merge with Farmers 

and Merchants Bank, Dublin, Georgia.*

Newspaper – N/Avail

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) First National Bankers Bankshares, Inc., Baton Rouge,

Louisiana, to acquire 100 percent of the outstanding shares of 

Alabama Bankers Bank, Birmingham, Alabama

(in organization).*

Newspaper – 07/30/2004

Fed Reg – 08/06/2004
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) BancTenn Corporation, Kingsport, Tennessee, to acquire up to 

20 percent of the outstanding shares of Paragon Commercial 

Corporation, and its subsidiary, Paragon Commercia l Bank, both 

of Raleigh, North Carolina.*

Newspaper – N/Avail

Fed Reg – 08/06/2004

3(a)(3) Capital City Bank Group, Inc., Tallahassee, Florida, to acquire 

100 percent of the outstanding shares of Farmers and Merchants 

Bank, Dublin, Georgia.*

Newspaper – N/Avail

Fed Reg – 08/06/2004

CIC Paragon Commercial Corporation, Raleigh, North Carolina,

after-the-fact change in control notice filed by Mr. William B. 

Greene, Jr., Gray, Tennessee, to retain control of 25.92 percent 

of the outstanding common stock of Paragon Commercial

Corporation, and its subsidiary, Paragon Commercial Bank, both 

of Raleigh, North Carolina. Mr. Greene controls 6.95 percent 

individually and 18.97 percent in his capacity as controlling 

shareholder of BancTenn Corp., Kingsport, Tennessee.

Newspaper – N/Avail

Fed Reg – 08/06/2004

3(a)(5) MidSouth Bancorp, Inc., Lafayette, Louisiana, to merge with 

Lamar Bancshares, Inc., Beaumont, Texas, and thereby acquire 

Lamar Delaware Financial Corporation, Dover, Delaware, and 

Lamar Bank, Beaumont, Texas.*

Newspaper – 07/29/2004

Fed Reg – 08/02/2004

3(a)(3) Vision Bancshares, Inc., Gulf Shores, Alabama, to acquire 100 

percent of the outstanding shares of BancTrust of Florida,

Wewahitchka, Florida.*

Newspaper – N/Avail

Fed Reg – 07/16/2004

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

COM West Metro Financial Services, Inc., Dallas, Georgia,

commitment relief request. 
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 Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

2743244 Red River Bank

Post Office Box 12550

Alexandria, Louisiana 71315

(318) 561-4028 

03/01/2004 07/04/2004 S X

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, July 10, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Town & Country Bank of Springfield, Springfield, Illinois, to 

establish a branch facility to be located at 2601 North Dirksen 

Parkway, Springfield, Illinois.*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

4(c)(8) Amtrust, Inc., Dubuque, Iowa, to engage de novo in extending 

credit 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 Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

451246 Wayne Bank & Trust Co.

145 W. Main Street

Cambridge City, Indiana 47327

(765) 478-3561

11/17/2003 07/09/2004 S X

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, July 10, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Allied Bank, Mulberry, Arkansas, to establish a branch facility 

to be located at 115 Highway 71 North, Alma, Arkansas.*

Newspaper – 07/15/2004

* Subject to the provisions of the Community Reinvestment Act

Section II – Applications subject to both newspape r and Federal Register notice

Type Application

Ending date of

comment period

3A3 German American Bancorp, Jasper, Indiana, to acquire 9.9 

percent of American Community Bancorp, Inc., Evansville, 

Indiana, and thereby indirectly acquire Bank of Evansville, 

N.A., Evansville, Indiana.*

Newspaper – N/Avail

Fed Reg – 08/06/2004

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

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 Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

397755 Legacy Bank & Trust Company

Plato, Missouri 04/05/2004 07/06/2004 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, July 10, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

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 Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

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, July 10, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Farmers State Bank, Phillipsburg, Kansas, to purchase certain 

assets and assume certain liabilities of the Phillipsburg, Kansas 

branch of the Landmark National Bank, Manhattan, Kansas.

Newspaper – 08/08/2004

Branch Citizens Bank of Edmond, Edmond, Oklahoma, to establish a 

branch at 855 W. Covell Road, Edmond, Oklahoma.

Newspaper – 07/10/2004

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

Type Application

Ending date of

comment period

3(a)(3) Astra Financial Corporation, Prairie Village, Kansas, to acquire 

up to 16.73 percent of the voting shares of First Missouri 

Bancshares, Inc., Brookfield, Missouri, and thereby indirectly 

acquire First Missouri National Bank, Brookfield, Missouri.

Newspaper – 07/30/2004

Fed Reg – 08/05/2004

CIC Notice by Barbro A. Lucas, Fairway, Kansas; Ann Sink, 

Roeland Park, Kansas; and Eva Wilkin, Olathe, Kansas, to 

acquire control of SCC Bancshares, Inc., Fairway, Kansas, 

parent of Saint Clair County State Bank, Osceola, Missouri.

Newspaper – 07/16/2004

Fed Reg – 08/05/2004

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

Membership First National Bank of Calumet (to be known as AllNations 

Bank), Calumet, Oklahoma, to become a member of the Federal 

Reserve System.

Withdrawal from 

Membership

Bank of Colorado, Fort Collins, Colorado, requests to waive the 

6-month notice of membership withdrawal.

Withdrawal from 

Membership

Western Bank, Gallup, New Mexico, requests to waive the 6-

month notice of membership withdrawal.

Withdrawal from 

Membership

Pinnacle Bank, Torrington, Wyoming, requests to waive the 6-

month notice of membership withdrawal.

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 Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

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, July 10, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) JSA Family Limited Partnership, Jacksonville, TX, Jane Austin 

Chapman Limited Partnership, L.P., Jacksonville, TX, and

Austin Bancorp, Inc., Jacksonville, TX, to acquire First National 

Bank, Bullard, TX*

Fed Reg – 08/06/2004

Newspaper – 08/06/2004

*Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Member 

Withdrawal

First State Bank Texas, Keene, TX, request to voluntarily 

withdraw from membership in 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 Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

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, July 10, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

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 Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None