H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 22 

Week Ending May 28, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Actions under delegated authority May 22, 2005 to May 28, 2005 

BS&R Banking Supervision and Regulation RBOPS Reserve Bank Operations and Payment Systems 

C&CA Consumer and Community Affairs IF International Finance 

FOMC Federal Open Market Committee OSDM Office of Staff Director for Management 

Bank Branches, Domestic 

Kansas City 

The Bank at Broadmoor, Colorado Springs, Colorado -- to establish a mobile 

branch at 155 Lake Avenue. 

- Approved, May 23, 2005 

Richmond 

Chesapeake Bank, Kilmarnock, Virginia -- to establish a branch at 5700 

Williamsburg Landing Drive, Williamsburg. 

- Approved, May 25, 2005 

Atlanta 

Compass Bank, Birmingham, Alabama -- to establish a branch at 5000 Arizona 

Mills Circle, Tempe, Arizona. 

- Approved, May 27, 2005 

Chicago 

The Friendship State Bank, Friendship, Indiana -- to establish a branch at 221 West 

Main Street, Vevay. 

- Approved, May 27, 2005 

Atlanta 

LandMark Bank of Florida, Sarasota, Florida -- to establish a branch at 8444 South 

Tamiami Trail. 

- Approved, May 26, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish branches at 523 Ridge Road, 

Lantana, Florida, and 9863 Lake Worth Road, Lake Worth. 

- Approved, May 26, 2005 

Chicago 

Town Bank, Delafield, Wisconsin -- to establish a branch at 200 West Summit 

Avenue, Wales. 

- Approved, May 25, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 6 
H.2 Actions under delegated authority May 22, 2005 to May 28, 2005 

Bank Holding Companies 

Dallas 

CSAB Holdings, L.L.C., Dallas, Texas -- to become a bank holding company and 

to acquire 36 percent of the shares of Parkway National Bancshares, Inc., Plano, 

and indirectly acquire Parkway National Bancshares of Delaware, Inc., Wilmington, 

Delaware, and Parkway Bank, N.A., Plano. 

- Approved, May 25, 2005 

Dallas 

FBC Bancshares, Inc., Conroe, Texas, and FBC Delaware Corporation, 

Wilmington, Delaware -- to become bank holding companies and to acquire First 

Bank of Conroe, National Association. 

- Approved, May 26, 2005 

Atlanta 

Habersham Bancorp, Cornelia, Georgia -- to acquire Liberty Bank & Trust, Toccoa. 

- Approved, May 26, 2005 

St. Louis 

Mercantile Bancorp, Inc., Quincy, Illinois -- to increase its ownership from 13.75 

percent to up to 21 percent of the shares of NorthStar Bancshares, Inc., Kansas City, 

Missouri, and thereby increase its indirect control of NorthStar Bank, National 

Association. 

- Approved, May 25, 2005 

Dallas 

Olney Bancshares of Texas, Inc., Olney, Texas, and Olney Bancorp of Delaware, 

Inc., Wilmington, Delaware -- to acquire Rose Rock Bank, Oklahoma City, 

Oklahoma, a de novo bank. 

- Approved, May 27, 2005 

Chicago 

Peotone Bancorp, Inc., Peotone, Illinois -- to acquire up to 20.06 percent of the 

shares of SouthwestUSA Corporation, Las Vegas, Nevada, and thereby acquire 

SouthwestUSA Bank. 

- Approved, May 23, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 6 
H.2 Actions under delegated authority May 22, 2005 to May 28, 2005 

Bank Holding Companies 

Richmond 

Square 1 Financial, Inc., Pinehurst, North Carolina -- to become a bank holding 

company and to acquire Square 1 Bank, Durham. 

- Approved, May 27, 2005 

St. Louis 

Trubank Securities Trust, St. Louis, Missouri -- to become a bank holding company 

and to acquire 16 percent of the shares of Truman Bancorp, Inc., and thereby 

acquire Truman Bank. 

- Withdrawn, May 26, 2005 

Atlanta 

Vision Bancshares, Inc., Panama City, Florida -- relief from a commitment. 

- Withdrawn, May 27, 2005 

San Francisco 

WSB Financial Group, Inc., Bremerton, Washington -- to become a bank holding 

company and to acquire Westsound Bank. 

- Withdrawn, May 26, 2005 

Bank Mergers 

Atlanta 

Bank of Alabama, Birmingham, Alabama -- to merge with United Bank of the Gulf 

Coast, Sarasota, Florida. 

- Withdrawn, May 27, 2005 

Change In Bank Control 

Secretary 

Union Bank Corporation, Upton, Wyoming -- change in bank control. 

- Permitted, May 26, 2005 

Competitive Factors Reports 

Minneapolis 

Citizens State Bank of Clara City, Clara City, Minnesota -- report on competitive 

factors of the proposed merger with First State Bank, Lake Lillian. 

- Submitted, May 27, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 6 
H.2 Actions under delegated authority May 22, 2005 to May 28, 2005 

Competitive Factors Reports 

Atlanta 

Citizens Tri-County Bank, Dunlap, Tennessee -- report on competitive factors of 

the proposed acquisition of certain assets and assumption of deposit liabilities of the 

McMinnville branches of Cumberland Bank, Franklin. 

- Submitted, May 25, 2005 

Atlanta 

Glennville Bank, Glennville, Georgia -- report on competitive factors of the 

proposed merger with GB Interim, Inc. 

- Submitted, May 25, 2005 

St. Louis 

Great Southern Bank, Reeds Spring, Missouri -- report on competitive factors of the 

proposed acquisition of certain assets and assumption of certain liabilities of three 

branches of Peoples Bank of the Ozarks, Nixa. 

- Submitted, May 23, 2005 

Atlanta 

Habersham Bank, Clarkesville, Georgia -- report on competitive factors of the 

proposed merger with Liberty Bank & Trust, Toccoa, as part of a corporate 

reorganization. 

- Submitted, May 25, 2005 

Atlanta 

Peoples Bank, Palm Harbor, Florida -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of the Sarasota branch of Bank of 

Alabama, Birmingham, Alabama. 

- Submitted, May 26, 2005 

Atlanta 

Peoples Bank, Palm Harbor, Florida -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of the St. Petersburg branch of First 

Tennessee Bank National Association Memphis, Memphis, Tennessee. 

- Submitted, May 26, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 6 
H.2 Actions under delegated authority May 22, 2005 to May 28, 2005 

Competitive Factors Reports 

Atlanta 

Peoples Bank, Palm Harbor, Florida -- report on competitive factors of the proposed 

acquisition of substantially all the assets and assumption of substantially all the 

liabilities of United Bank of the Gulf Coast, Sarasota. 

- Submitted, May 26, 2005 

Atlanta 

Peoples Bank, Palm Harbor, Florida -- report on competitive factors of the proposed 

acquisition of substantially all the assets and assumption of substantially all the 

liabilities of United Bank and Trust Company, St. Petersburg. 

- Submitted, May 26, 2005 

Extensions Of Time 

Kansas City 

The Citizens Bank of Edmond, Edmond, Oklahoma -- extension to October 16, 

2005, to establish a branch at 855 West Covell Road. 

- Granted, May 27, 2005 

Financial Holding Companies 

Richmond 

Capital One Financial Corporation, McLean, Virginia -- election to become a 

financial holding company. 

- Effective, May 27, 2005 

Kansas City 

Centennial Bank Holdings, Inc., Denver, Colorado -- election to become a financial 

holding company. 

- Effective, May 26, 2005 

Boston 

Washington Trust Bancorp, Inc., Westerly, Rhode Island -- election to become a 

financial holding company. 

- Effective, May 24, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 6 
H.2 Actions under delegated authority May 22, 2005 to May 28, 2005 

Membership 

Atlanta 

First Farmers and Merchants National Bank, Columbia, Tennessee -- to retain 

membership in the Federal Reserve System on conversion to a state charter. 

- Approved, May 26, 2005 

Regulations And Policies 

FOMC 

Federal Open Market Committee -- minutes of the meeting on May 3, 2005. 

- Published, May 24, 2005 

(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, May 28, 2005

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, May 28, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*3A3 New York Community Bancorp, Inc., Westbury, New York, to 

acquire, through its wholly owned subsidiary, New York 

Community Bank, Flushing, New York, 100 percent of the 

voting shares of New York Commercial Bank, New York, New 

York.

Newspaper – N/Avail

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, May 28, 2005

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, May 28, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Sky Bank, 10 E. Main Street, Salineville, OH to establish branch 

facility at Bexley Financial Center, 2631 East Main St., Bexley, 

OH 43209

Newspaper – N/Avail

*Branch Sky Bank, 10 E. Main Street, Salineville, OH to establish branch 

facility at Hilliard Financial Center, 2164 Hilliard Rome Rd., 

Columbus, OH 43026

Newspaper – N/Avail

*Branch Sky Bank, 10 E. Main Street, Salineville, OH to establish a 

branch facility at Lewis Center Financial Center, 8509 

Owenfield Dr., Powell, OH 43065

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 Registe r 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, May 28, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Waccamaw Bank, Whiteville, North Carolina, to establish a 

branch at 4945 Southport-Supply Road Southeast, Southport, 

North Carolina.*

Newspaper – 06/14/2005

Branch Highlands Union Bank, Abingdon, Virginia, to establish a 

branch at 739 Dolly Parton Parkway, Suite C, Sevierville, 

Tennessee.*

Newspaper – N/Avail

Branch First Capital Bank, Glen Allen, Virginia, to establish a branch 

at 801 South Adams Street, Petersburg, Virginia.*

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

CIC Notice of Change in Control filed by James R. Camp, Joseph C. 

Camp, and Margaret A. Sterbutzel, to retain 91.03% of the 

voting shares of Morgantown Bancshares, Inc., Morgantown, 

West Virginia.*

Fed Reg – 05/31/2005

Newspaper – 05/22/2005

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, May 28, 2005

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

CIC FCB Bancshares, Inc., Cullman, Alabama, prior change in

control notice filed by John Joseph Mullins, to acquire an

additional 1.75 percent of the outstanding shares of FCB

Bancshares, Inc., along with its subsidiary, Premier Bank of the 

South, all of Cullman, Alabama. Pro forma total ownership will 

equal 25.93 percent. 

Newspaper – 06/08/2005

Fed Reg – 06/13/2005

3(a)(1) Mountain Valley Bancshares, Inc., Cleveland, Georgia, to

become a bank holding company by acquiring 100 percent of the 

outstanding shares of Mountain Valley Community Bank,

Cleveland, Georgia.*

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(3) Omni Financial Services, Inc., Atlanta, Georgia, to acquire 100 

percent of the outstanding shares of Omni Interim, N.A., Dalton, 

Georgia.*

Newspaper – N/Avail

Fed Reg – N/Avail

*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

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

3208049 MidSouth Bank

1 East College Street

Murfreesboro, Tennessee 37133

(615) 278-7102

01/31/2005 04/04/2005 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, May 28, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Comerica Bank, Detroit, Michigan, to establish three branch 

facilities at the following locations: 1)3880 FM 1960 West, 

Houston, Texas; 2) 11990 FM 1960 West, Houston, Texas; and 

3) 115 Louis Henna Blvd., Round Rock, Texas.*

Newspaper – N/Avail

Branch The Friendship State Bank, Friendship, Indiana, to establish a 

branch facility to be located at 221 W. Main Street, Vevay, 

Indiana.*

Newspaper – 05/13/2005

Branch Sand Ridge Bank, Highland, Indiana, to establish a branch 

facility to be located at 1005 W. State Street, Hastings, 

Michigan.*

Newspaper – 05/27/2005

18C & Branch Templeton Savings Bank, Templeton, Iowa, to purchase the 

assets and assume the liabilities of the Manning, Iowa branch 

office of American Interstate Bank, Elkhorn, Nebraska, and to 

establish a branch at 223 Main Street, Manning, Iowa.*

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

3(a)(3) Albany Bancshares, Inc., Albany, Illinois, to acquire 100 percent 

of the voting shares of Hillsdale Development Corporation, 

Hillsdale, Illinois, and thereby indirectly acquire Old Farmers & 

Merchants State Bank, Hillsdale, Illinois.*

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notice by Terence P. Greenley, Sigourney, Iowa and Frances S. 

Fleck, Sigourney, Iowa (husband and wife) to gain control of 

Fountain View Bancorp., Inc., and thereby indirectly Keokuk 

County State Bank, Sigourney, Iowa.

Fed Reg – 05/20/2005

Newspaper – N/Avail

* 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

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

acquire, indirectly through a newly formed acquisition 

subsidiary, LAH Merger Corp., 100 percent of the voting shares 

of Med-i-Bank, Inc., Waltham, Massachusetts, and thereby 

engage in data processing activities.

Fed Reg – N/Avail

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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, May 28, 2005

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

3A1 Trubank Securities Trust, St. Louis, Missouri, to become a bank 

holding company by acquiring 25 percent of Truman Bancorp,

Inc., St. Louis, Missouri, and there indirectly acquire Truman 

Bank, St. Louis, Missouri.*

Newspaper – N/Avail

Fed Reg – N/Avail

3A3 First Horizon National Corporation, Memphis, Tennessee, to 

acquire 100 percent of United Bank and Trust Company, Saint 

Petersburg, Florida. (Previously submitted during the weeks 

ending May 14, 2005 and May 21, 2005.)*

Newspaper – 06/14/2005

Fed Reg – 06/17/2005

* 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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, May 28, 2005

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

CIC Severson Family Limited Partnership, Apple Valley, Minnesota, 

and Larry S. Severson, Lakeville, Minnesota as general partner, 

to become part of a group acting in concert, and thereby acquire 

control of Financial Services of St. Croix Falls, St. Croix Falls, 

Wisconsin.

Fed Reg – 05/23/2005

Newspaper – 06/07/2005

3(a)(5) Menahga Bancshares, Inc., Menahga, Minnesota, to acquire 100 

percent of Sebeka Bancshares, Inc., Sebeka, Minnesota, and 

thereby indirectly acquire Security State Bank of Sebeka, 

Sebeka, Minnesota.*

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notice by Dennis W. West, Rice Lake, Wisconsin to gain 

control of Rice Lake Bancorp., Inc., Rice Lake, Wisconsin, and 

thereby indirectly gain control of Dairy State Bank, Rice Lake, 

Wisconsin and First Bank & Trust, Menomonie, Wisconsin.

Fed Reg – 06/13/2005

Newspaper – N/Avail

3(a)(1) St. Joseph Bancshares Acquisitions, Inc., St. Joseph, Minnesota, 

to become a bank holding company by acquiring 100 percent of 

St. Joseph Bancshares, Inc., St. Joseph, Minnesota, and thereby 

indirectly acquire 100 percent of First State Bank of St. Joseph, 

St. Joseph, Minnesota.*

Fed Reg – N/Avail

Newspaper – N/Avail

* 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

132152 First State Bank of Warner

Warner, South Dakota

02/28/2005 05/26/2005 S X

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, May 28, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Centennial Bank of the West, Fort Collins, Colorado, to merge 

with First MainStreet Bank, N.A., Longmont, Colorado, and 

incident thereto, to establish five branches.

Newspaper – 06/09/2005

Branch Gold Bank, Leawood, Kansas, to establish a branch on the east 

side of Highway 41 (South Shore Branch), Apollo Beach, 

Florida.

Newspaper – 05/30/2005

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

Type Application

Ending date of

comment period

3(a)(3) Centennial Bank Holdings, Inc., Fort Collins, Colorado, to 

acquire 100 percent of the voting shares of First MainStreet 

Financial, Ltd., Longmont, Colorado, parent of First MainStreet 

Bank, N.A., Longmont, Colorado.

Newspaper – 06/09/2005

Fed Reg – 06/17/2005

3(a)(3) Ameribank Holding Company, Collinsville, Oklahoma, to 

acquire up to 100 percent of the voting shares of Boynton 

Holding Company, Inc., parent of Territory Bank, both of 

Muskogee, Oklahoma.

Newspaper – 06/18/2005

Fed Reg – 06/20/2005

CIC Notice by Mark L. Smith and Ann E. Smith, both of Brookfield, 

Missouri, to acquire control of First Missouri Bancshares, Inc., 

parent of First Missouri National Bank, both in Brookfield, 

Missouri.

Newspaper – N/Avail

Fed Reg – 06/15/2005

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

Withdrawal from 

Membership

Farmers and Merchants Bank, Crescent, Oklahoma, requests to 

withdraw from membership in the Federal Reserve System.

Investment in 

Bank Premises

1

st Bank and Trust, Broken Bow, Oklahoma, to increase its 

investment in bank premises.

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

386450 Five Points Bank of Hastings

2815 Osborne Drive West

Hastings, Nebraska 68901

02/22/2005 05/23/2005 S X

579252 Gold Bank

11301 Nall Avenue

Leawood, Kansas 66211

01/24/2005 05/24/2005 S X

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, May 28, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Texas Star Bank, Van Alstyne, Texas, to establish a branch to be 

located at 101 Gene Autry Drive, Tioga, Texas 76271.*

Newspaper – 06/10/2005

* 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) Pilot Point Bancorp, Inc., ESOP, Pilot Point, Texas, to become a 

bank holding company by acquiring 26.05 percent of Pilot Point 

Bancorp, Inc., Pilot Point, Texas, and indirectly acquire 

PointBank, Pilot Point, Texas.

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

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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, May 28, 2005

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