H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 24 

Week Ending June 11, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions June 5, 2005 to June 11, 2005 

Testimony And Statements 

Economic Outlook -- statement by Chairman Greenspan before the Joint Economic 

Committee. 

- Published, June 9, 2005 

Regulatory Relief -- statement by Governor Kohn before the Subcommittee on 

Financial Institutions and Consumer Credit of the House Committee on Financial 

Services. 

- Published, June 9, 2005 

Bank Holding Companies 

Bank of America Corporation, Charlotte, North Carolina -- request for an 

exemption from section 23A of the Federal Reserve Act. 

- Granted, June 7, 2005 

Forms 

Forms -- final Board review to extend with revision the Interagency Bank Merger 

Act Application (FR 2070). 

- Approved, June 7, 2005 

Enforcement 

Bank of Pontiac, Pontiac, Illinois -- issuance of a consent order of assessment of a 

civil money penalty. 

- Announced, June 9, 2005 

First Bank & Trust Company, Lebanon, Virginia -- issuance of a consent order of 

assessment of a civil money penalty. 

- Announced, June 9, 2005 

First Western Bank, Cooper City, Florida -- Final decision and cease and desist 

order against eighteen former institution-affiliated parties and order of prohibition 

against Carl V. Thomas, one of the former institution-affiliated parties. 

- Announced, June 7, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority June 5, 2005 to June 11, 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 

Richmond 

Bank of Hampton Roads, Chesapeake, Virginia -- to establish a branch at 999 

Waterside Drive, Norfolk. 

- Approved, June 8, 2005 

Richmond 

Bank of the Commonwealth, Norfolk, Virginia -- to establish a branch at 3343 

Western Branch Boulevard, Chesapeake. 

- Approved, June 8, 2005 

Richmond 

Bank of the Commonwealth, Norfolk, Virginia -- to establish a branch at 9636 Cape 

View Avenue. 

- Approved, June 8, 2005 

Kansas City 

Bank of Western Oklahoma, Elk City, Oklahoma -- to establish a branch at the 

intersection of Williams and Downs Avenues, Woodward. 

- Approved, June 6, 2005 

San Francisco 

Bank of Whitman, Colfax, Washington -- to establish a branch at 618 West 

Riverside Avenue, Spokane. 

- Approved, June 9, 2005 

Secretary 

Comerica Bank, Detroit, Michigan -- to establish branches at 3880 and 11990 FM 

1960 West, Houston, Texas, and 115 Louis Henna Boulevard, Round Rock. 

- Approved, June 10, 2005 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 3957 West 

26th Street, Chicago, Illinois. 

- Approved, June 10, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 8 
H.2 Actions under delegated authority June 5, 2005 to June 11, 2005 

Bank Branches, Domestic 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 16732 West 

159th Street, Lockport, Illinois. 

- Approved, June 10, 2005 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 444 Veteran's 

Parkway, Yorkville, Illinois. 

- Approved, June 10, 2005 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 454 East 

Rollins Road, Round Lake Beach, Illinois. 

- Approved, June 10, 2005 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at the 

intersection of Garland Court and Randolph Street, Chicago, Illinois. 

- Approved, June 10, 2005 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 3936 West 

Riverside Boulevard, Rockford, Illinois. 

- Approved, June 10, 2005 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 510 

Metropolitan Way, Des Plaines, Illinois. 

- Approved, June 10, 2005 

Chicago 

Sand Ridge Bank, Highland, Indiana -- to establish a branch at 1005 West State 

Street, Hastings, Michigan. 

- Approved, June 6, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 8 
H.2 Actions under delegated authority June 5, 2005 to June 11, 2005 

Bank Holding Companies 

Secretary 

Abigail Adams National Bancorp, Inc., Washington, D.C. -- to acquire 

Consolidated Bank and Trust Company, Richmond, Virginia, and Abigail Adams 

Interim Bank, and to merge Consolidated Bank and Trust Company with Abigail 

Adams Interim Bank. 

- Approved, June 9, 2005 

Chicago 

Capitol Bancorp, Ltd., Lansing, Michigan -- to acquire 51 percent of the shares of 

Capitol Development Bancorp Ltd. II and thereby acquire Bank of Auburn Hills, 

Auburn Hills, a de novo bank; and for Capitol Development Bancorp Ltd. II to 

become a bank holding company and to acquire 51 percent of the shares of Bank of 

Auburn Hills. 

- Approved, June 7, 2005 

Kansas City 

Central Financial Corporation, Hutchinson, Kansas -- to acquire up to 17.66 percent 

of the shares of Parkway National Bancshares, Inc., Plano, Texas, and thereby 

acquire Parkway Bank, National Association. 

- Approved, June 8, 2005 

Minneapolis 

Deerwood Bancshares, Inc., Deerwood, Minnesota -- to acquire Northome 

Bancshares, Inc., Northome, and thereby acquire Northland Community Bank. 

- Approved, June 10, 2005 

Chicago 

Evans Bancshares, Inc., Evansdale, Iowa -- to acquire First Resource Bank, Savage, 

Minnesota, a de novo bank. 

- Approved, June 9, 2005 

Atlanta 

First Community Holding Company, Hammond, Louisiana -- to become a bank 

holding company and to acquire First Community Bank. 

- Approved, June 10, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 8 
H.2 Actions under delegated authority June 5, 2005 to June 11, 2005 

Bank Holding Companies 

Boston 

First Valley Bancorp, Hartford, Connecticut -- to become a bank holding company 

and to acquire Valley Bank, Bristol. 

- Approved, June 6, 2005 

Kansas City 

Frontier Management, LLC, Madison, Nebraska, and Frontier Holdings, LLC -- for 

Frontier Holdings, LLC to become a bank holding company and to acquire The 

Bank of Madison; and for Frontier Management, LLC to become a bank holding 

company with respect to Frontier Holdings, LLC. 

- Approved, June 10, 2005 

St. Louis 

German American Bancorp, Jasper, Indiana -- to acquire 9.7 percent of the shares of 

Symphony Bancorp, Indianapolis, and thereby acquire Symphony Bank, a de novo 

bank. 

- Approved, June 7, 2005 

San Francisco 

NCB Financial, Las Vegas, Nevada -- to become a bank holding company and to 

acquire Nevada Commerce Bank. 

- Returned, June 10, 2005 

New York 

NSB Holding Corp., Staten Island, New York -- to engage de novo, through its 

subsidiary, Check Depot, Inc., in money order issuance activities. 

- Withdrawn, June 8, 2005 

Chicago 

Peotone Bancorp, Inc., Peotone, Illinois, and Founders Group, Worth -- to acquire 

Vermilion Bancorp, Inc., Danville, and thereby acquire its subsidiary, American 

Savings Bank of Danville. 

- Approved, June 10, 2005 

Chicago 

Symphony Bancorp, Indianapolis, Indiana -- to become a bank holding company 

and to acquire Symphony Bank, a de novo bank. 

- Approved, June 7, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 8 
H.2 Actions under delegated authority June 5, 2005 to June 11, 2005 

Bank Mergers 

Richmond 

Bruceton Bank, Bruceton Mills, West Virginia -- to merge with The Terra Alta 

Bank, Terra Alta. 

- Approved, June 9, 2005 

Chicago 

Templeton Savings Bank, Templeton, Iowa -- to purchase the assets and assume the 

liabilities of the Manning, Iowa, branch of American Interstate Bank, Elkhorn, 

Nebraska, and thereby establish a branch. 

- Approved, June 10, 2005 

Banks, State Member 

Director, BS&R 

AmSouth Bank, Birmingham, Alabama -- to make certain public welfare 

investments. 

- Approved, June 10, 2005 

Change In Bank Control 

Kansas City 

Hanston Insurance Agency, Inc., Hanston, Kansas -- change in bank control. 

- Permitted, June 9, 2005 

Competitive Factors Reports 

San Francisco 

Community National Bank, Escondido, California -- report on competitive factors 

of the proposed merger with Rancho Bernardo Community Bank, San Diego. 

- Submitted, June 7, 2005 

Kansas City 

Landmark National Bank, Manhattan, Kansas -- report on competitive factors of the 

proposed purchase of certain assets and assumption of certain liabilities of two 

Great Bend branches of UMB National Bank of America, Salina. 

- Submitted, June 8, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 8 
H.2 Actions under delegated authority June 5, 2005 to June 11, 2005 

Competitive Factors Reports 

Atlanta 

Liberty Bank, FSB, Naples, Florida, a de novo savings bank -- report on 

competitive factors of the proposed acquisition of the Bonita Springs and Naples 

branches of Liberty Bank, F.S.B., West Des Moines, Iowa. 

- Submitted, June 7, 2005 

San Francisco 

Pacific Western National Bank, Santa Monica, California -- report on competitive 

factors of the proposed merger with First American Bank, Rosemead. 

- Submitted, June 7, 2005 

Kansas City 

Security National Bank, Laurel, Nebraska -- report on competitive factors of the 

proposed merger with Coleridge National Bank, Coleridge. 

- Submitted, June 7, 2005 

Minneapolis 

The First National Bank of St. Peter, St. Peter, Minnesota -- report on competitive 

factors of the proposed merger with Security State Bank, Mankato. 

- Submitted, June 6, 2005 

Minneapolis 

Wells Fargo Bank, National Association, Sioux Falls, South Dakota -- report on 

competitive factors of the proposed merger with Wells Fargo Business Credit, Inc., 

Minneapolis, Minnesota, as part of a corporate reorganization. 

- Submitted, June 6, 2005 

Extensions Of Time 

San Francisco 

Discovery Bancorp, San Marcos, California -- extension to August 25, 2005, to 

become a bank holding company and to acquire Discovery Bank. 

- Granted, June 8, 2005 

(AC) = Addition or Correction Delegated - Page 6 of 8 
H.2 Actions under delegated authority June 5, 2005 to June 11, 2005 

Extensions Of Time 

Kansas City 

First Centralia Bancshares, Inc., Centralia, Kansas -- extension to September 9, 

2005, to acquire up to 8.30 percent of the shares of Morrill Bancshares, Inc., 

Merriam, and thereby acquire The Morrill and Janes Bank and Trust Company; City 

National Bank, Kilgore, Texas; and 1st Bank Oklahoma, Claremore, Oklahoma. 

- Granted, June 9, 2005 

San Francisco 

Horizon Bancorp, Lake Havasu City, Arizona -- extension to September 15, 2005, 

to become a bank holding company and to acquire Horizon Community Bank. 

- Granted, June 9, 2005 

Cleveland 

S&T Bancorp, Inc., Indiana, Pennsylvania -- extension to June 6, 2005, to acquire 

up to 24.99 percent of the shares of Allegheny Valley Bancorp, Inc., Pittsburgh. 

- Granted, June 6, 2005 

Financial Holding Companies 

St. Louis 

Martinsburg Bancorp, Inc., Martinsburg, Missouri -- election to become a financial 

holding company. 

- Effective, June 8, 2005 

Dallas 

Midland Bancshares, Inc., Midland, Texas, and Midland Delaware Financial 

Corporation, Dover, Delaware -- elections to become financial holding companies. 

- Effective, June 8, 2005 

St. Louis 

Union Bankshares, Inc., Mena, Arkansas -- election to become a financial holding 

company. 

- Effective, June 6, 2005 

(AC) = Addition or Correction Delegated - Page 7 of 8 
H.2 Actions under delegated authority June 5, 2005 to June 11, 2005 

International Operations 

Director, BS&R 

Bank One International Corporation, Chicago, Illinois -- to amend its articles of 

association and to reduce capital stock. 

- Approved, June 8, 2005 

Director, BS&R 

CitiStreet International, LLC, Quincy, Massachusetts -- to invest in CitiStreet 

Australia Pty. Ltd, Sydney, Australia. 

- Approved, June 10, 2005 

Director, BS&R 

MBNA America Bank, National Association, Wilmington, Delaware -- to establish 

an Edge corporation subsidiary and to invest, through the Edge subsidiary, in a 

foreign organization. 

- Approved, June 9, 2005 

Director, BS&R 

State Street Bank and Trust Company, Boston, Massachusetts -- to invest in excess 

of 10 percent of its capital and surplus in its Edge and agreement corporation 

subsidiaries. 

- Approved, June 10, 2005 

(AC) = Addition or Correction Delegated - Page 8 of 8 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, June 11, 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

4(c)(8) Boston Private Financial Holdings, Inc., Boston, Massachusetts -

to acquire Gibraltar Financial Corporation and its wholly-owned 

subsidiary, Gibraltar Bank, FSB, both of Coral Gables, Florida

Newspaper – N/Avail

Fed Reg – N/Avail

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, June 11, 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

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

acquire through its wholly owned subsidiary, New York 

Community Bank, flushing, New York, 100% of the voting 

shares of New York Commercial Bank, Flushing, New York.

Newspaper – 05/26/2005

Fed Reg – 07/05/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4C8 Banco Do Brasil, S.A., Brazil, prior approval for Banco Do 

Brasil Securities LLC, New York, New York, to commence 

engaging in securities brokerage and riskless principal services 

and acting as agent in the private placement of securities.

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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, June 11, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Orrstown Bank, Shippensburg, PA, to establish a branch 

office to be located at 3045 Market Street, Camp Hill 

Borough, Cumberland County, PA.

Newspaper – 06/15/2005

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, June 11, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Fifth Third Bank, Grand Rapids, MI to establish branch at 6040 

Stadium Drive, Kalamazo, MI 49009

Newspaper – 06/23/2005

*Branch Fifth Third Bank, Grand Rapids, MI to establish branch at 2805 

10 Mile Road NE, Rockford, MI 49341

Newspaper – 06/23/2005

*Branch Fifth Third Bank, Grand Rapids, MI to establish branch at 3402 

Heartland St., Marion, IL 62959

Newspaper – 06/23/2005

*Branch Fifth Third Bank, Cincinnati, OH to establish branch at 940 

Sheraton Drive, Mars, PA 16046

Newspaper – 06/23/2005

*Branch Fifth Third Bank, Cincinnati, OH to establish branch at 1669 

Holt Road, Columbus, OH 43228

Newspaper – 06/23/2005

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

facility at Mt. Lebanon Financial Center, 327 Cochran Rd., Mt. 

Lebanon, PA 15228

Newspaper – 06/21/2005

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

facility at OSU Campus Financial Center, 1824 N High St, 

Columbus, OH 43201

Newspaper – 06/21/2005

*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

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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, June 11, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Farmers & Merchants Bank, Timberville, Virginia, to establish a 

branch at the intersection of Route 33 and Route 276 in Penn 

Laird, Virginia.*

Newspaper – 06/16/2005

*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)(3) Coastal Banking Company, Inc., Beaufort, South Carolina, to 

merge with First Capital Bank Holding Company, Inc., 

Fernandina Beach, Florida.*

Fed Reg – 07/11/2005

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

None

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

Type Application

25A Fleet National Bank, Providence, Rhode Island, to increase 

its investment in BAL Global Finance Canada Corporation, 

Toronto, Canada, through its wholly owned Edge Corporation

subsidiary, Fleet Capital International, Inc.
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

233527 *Page Valley Bank

17 West Main Street

Luray, Virginia 22835

03/14/2005 05/27/2005 S X

*Inadvertently omitted from bulletin week ending May 28, 2005.

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 11, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch The Bank of Forest, Forest, Mississippi, to establish a branch 

located at 1080 River Oaks Drive, River Oaks Place, Suite 

A202, Flowood, Mississippi.*

Newspaper – 06/17/2005

Branch Capital Bank, Montgomery, Alabama, to establish a branch 

located at 3311 Malcolm Drive, Montgomery, Alabama.*

Newspaper – 06/23/2005

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

413 Elden Street, Herndon, Virginia, to be known as the 

Herndon Safeway In-Store Office.*

Newspaper – 06/18/2005

*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) Omni Financial Services, Inc., Atlanta, Georgia, to acquire 100 

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

Georgia.*

Newspaper – 06/09/2005

Fed Reg – 06/13/2005

CIC Tattnall Bancshares, Inc., Reidsville, Georgia, prior change in 

control notice filed by E. Bert Register, III and the Trust to be 

established under the will of E.B. Register, Sr., E. Bert Register, 

III as Trustee, both of Reidsville, Georgia, to acquire 54.15 

percent of the outstanding shares of Tattnall Bancshares, Inc., 

and its subsidiary bank. Tattnall Bank, Reidsville, Georgia. Pro 

forma total ownership will be 55.96 percent.

Newspaper – 06/22/2005

Fed Reg – 07/05/2005

3(a)(1) Sapelo Bancshares, Inc., to acquire 100 percent of the 

outstanding shares of Sapelo National Bank, both of Darien, 

Georgia.*

Newspaper – N/Avail

Fed Reg – 07/08/2005

*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, inc luding 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

889036 Commercial Bank of Florida

1550 Southwest 57th Avenue

Miami, Florida 33144

(305) 267-1200

02/07/2005 06/07/2005 O X

3119163 Community Bank of West Georgia

662 Highway 61

Villa Rica, Georgia 30180

(770) 456-9922

02/22/2005 06/07/2005 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, June 11, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

facilities at the following locations: 680 Newport Center Drive, 

Suite 290, Newport Beach, California; and 12001 W. San 

Vicente Blvd., Suite 100, Los Angeles, California.*

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 – 06/30/2005

Newspaper – N/Avail

CIC Notice by Marjorie E. Binder, Chicago, Illinois, to acquire 

control of 97.31 percent of the outstanding common stock and 

97.95 percent of the outstanding B common stock of Bellwood 

Bancorporation, Inc., Bellwood, Illinois, and thereby indirectly 

acquire Greater Chicago Bank, Bellwood, Illinois.

Fed Reg – 06/24/2005

Newspaper – N/Avail

3(a)(3) Capitol Bancorp, Ltd., Lansing, Michigan, and Capitol 

Development Bancorp Limited I, Lansing, Michigan, to acquire 

51 percent of the voting shares of Bank of San Francisco (in 

organization), San Francisco, California.*

Fed Reg – 07/11/2005

Newspaper – N/Avail

CIC Notice by Ralph Mason, Bourbon, Indiana and Brad Mason, 

Bourbon, Indiana, to acquire control of The First State Bank of 

Bourbon, Bourbon, Indiana.

Fed Reg – 06/29/2005

Newspaper – N/Avail

3(a)(1) Western Illinois Bancshares, Inc., Monmouth, Illinois, to 

become a bank holding company by acquiring 100 percent of the 

voting shares of Midwest Bank of Western Illinois, Monmouth, 

Illinois.*

Fed Reg – 07/08/2005

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

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

2339795 Libertyville Bank & Trust

507 N. Milwaukee Avenue

Libertyville, Illinois 60048

(847) 367-6800

09/27/2004 05/26/2005 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, June 11, 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

3A3 First National Corporation of Wynne, Wynne, Arkansas, to 

acquire 100 percent of The Bank of Harrisburg, Harrisburg, 

Arkansas. (Previously submitted during the week ending June 4, 

2005.)*

Newspaper – 07/03/2005

Fed Reg – 07/08/2005

* 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

4C8 Bearden Bancshares, Inc., Bearden, Arkansas, to indirectly 

engage in general insurance agency activities in a town of less 

than 5,000 by acquiring 100 percent of the voting shares of BBI 

Insurance Agency, Inc., Bearden, Arkansas.
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

941541 Peoples Bank of Altenburg

Altenburg, Missouri 01/31/2005 03/14/2005 S X

997650 City Bank & Trust Company

Moberly, Missouri

02/28/2005 04/11/2005 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 11, 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

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 – 06/30/2005

Newspaper – 06/24/2005

CIC Notice by Nancy A. Malitz, Detroit, Michigan and Barbara G. 

Lee, Kalispell, Montana to gain control of Ravalli County 

Bankshares, Inc., Hamilton, Montana and thereby indirectly gain 

control of Ravalli County Bank, Hamilton, Montana and West 

One Bank, Kalispell, Montana.

Fed Reg – N/Avail

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 – 06/30/2005

Newspaper – 07/01/2005

CIC Notice by the John C. Elsenpeter 2004 Term Trust and Vicki J. 

Elsenpeter 2004 Term Trust, both of Walker, Minnesota, to gain 

control of Walker Ban Co., Walker, Minnesota, and thereby 

indirectly gain control of First National Bank of Walker, 

Walker, Minnesota and Lakes State Bank, Pequot Lakes, 

Minnesota.

Fed Reg – 06/22/2005

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

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, June 11, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch WestStar Bank, Vail, Colorado, to establish a branch at 455 

Kokopelli Boulevard, Unit D, Fruita, Colorado.

Newspaper – 06/10/2005

Branch FirstBank, Antlers, Oklahoma, to establish a branch at 701 

South Broadway, Coalgate, Oklahoma.

Newspaper – 06/24/2005

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

Type Application

Ending date of

comment period

3(a)(1) Sixth Bancshares, Inc., Salina, Kansas, to become a bank 

holding company through the acquisition of 100 percent of the 

voting shares of Geneseo Bancshares, Inc., parent of Citizens 

State Bank, both in Geneseo, Kansas.

Newspaper – 07/03/2005

Fed Reg – 07/08/2005

3(a)(1) FirsTier Bancorp, Cheyenne, Wyoming, to become a bank 

holding company through the acquisition of 100 percent of the 

voting shares of Union Bank Corporation, parent of Union State 

Bank, both in Upton, Wyoming.

Newspaper – 07/09/2005

Fed Reg – 07/05/2005

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 – 06/14/2005

Fed Reg – 06/15/2005

CIC Notice by Landon H. Rowland and Sarah F. Rowland, both of 

Kansas City, Missouri, to acquire control of Garden City 

Bancshares, Inc., parent of Garden City Bank, both in Garden 

City, Missouri.

Newspaper – 06/22/2005

Fed Reg – 06/22/2005

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

895158 Guarantee State Bank

6702 Quanah Parker Trailway

Lawton, Oklahoma 73506

03/07/2005 06/07/2005 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, June 11, 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

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 – 06/26/2005

Fed Reg – 06/30/2005

3(a)(3) Greater Southwest Bancshares, Inc., Irving, Texas, to acquire 

100 percent of The Bank of Vernon, Vernon, Texas. *

Newspaper – 06/27/2005

Fed Reg – 07/05/2005

* 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

701857 Crowell State Bank

100 E Commerce

Crowell, Texas 79227-0848

03/21/2005 05/27/2005 S X

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 11, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Oak Valley Community Bank, Oakdale, California, to establish 

a branch office at Main Street Plaza on the corner of West Main 

and Wilma Avenue, Ripon,California.*

Newspaper – 06/23/2005

* 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

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

3(a)(5)(C) NCB Financial, Las Vegas, Nevada, to become a bank holding 

company by acquiring 100 percent of Nevada Commerce Bank, 

Las Vegas, Nevada.

Member Temecula Valley Bank, National Association, Temecula, 

California, 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 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