Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 6

Week Ending February 5, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions January 30, 2005 to February 5, 2005

Bank Holding Companies

Webster Financial Corporation, Waterbury, Connecticut -- to acquire Eastern 

Wisconsin Bancshares, Inc., Howards Grove, Wisconsin, and its subsidiary, State 

Bank of Howards Grove.

- Approved, February 3, 2005 

Board Operations

Office of Board Members -- appointment of Robert M. Pribble as Special Assistant 

to the Board.

- Approved, February 3, 2005 

Discount Rates

Discount and Advance Rates -- increase in the primary credit rate from 3-1/4 

percent to 3-1/2 percent by twelve Federal Reserve Banks.

- Approved, February 2, 2005 

Forms

Forms -- final Board review to extend without revision the Home Mortgage 

Disclosure Act Loan/Application Register (FR HMDA-LAR).

- Approved, February 1, 2005 

Enforcement

Banco de Chile, Santiago, Chile -- issuance of a consent cease and desist order 

against Banco de Chile and its Miami branch.

- Announced, February 2, 2005 

(AC) = Addition or Correction Board - Page 1 of 1
January 30, 2005 to February 5, 2005

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

Chemical Bank and Trust Company, Midland, Michigan -- to establish a mobile 

branch to operate primarily in Shiawassee and Genesee Counties.

- Approved, January 31, 2005 

Chicago

First State Bank N.M., Taos, New Mexico -- to establish a branch at 6900 South 

900 East, Midvale, Utah.

- Approved, February 1, 2005 

Secretary

NBRS Financial, Rising Sun, Maryland -- to establish a branch at 101 North Main 

Street, Bel Air.

- Approved, February 3, 2005 

Richmond

River City Bank, Mechanicsville, Virginia -- to establish a branch at 8051 

Mechanicsville Turnpike.

- Approved, February 1, 2005 

Richmond

Texas Star Bank, Van Alstyne, Texas -- to establish a branch at 302 Preston Road, 

Celina.

- Approved, February 2, 2005 

Dallas

Bank Holding Companies

American Enterprise Bankshares, Inc., Jacksonville, Florida -- to become a bank 

holding company and to acquire American Enterprise Bank of Florida.

- Approved, February 2, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority January 30, 2005 to February 5, 2005

Bank Holding Companies

Copiah Bancshares, Inc., Hazlehurst, Mississippi -- to become a bank holding 

company and to acquire Copiah Bank, National Association.

- Withdrawn, February 4, 2005 

Atlanta

Frontier Financial Corporation, Everett, Washington -- to acquire up to 20 percent 

of Skagit State Bank, Burlington.

- Approved, February 4, 2005 

San Francisco

Glacier Bancorp, Inc., Kalispell, Montana -- to acquire First National Banks-West 

Co., Evanston, Wyoming, and First National Bank-West.

- Approved, January 31, 2005 

Minneapolis

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to acquire, through its 

subsidiary, Metavante Corporation, Prime Associates, Inc., Clark, New Jersey, and 

thereby engage in data processing and management consulting activities.

- Approved, February 4, 2005 

Chicago

S&T Bancorp, Inc., Indiana, Pennsylvania -- to acquire up to 9.9 percent of the 

shares of IBT Bancorp, Inc., Irwin, and thereby acquire Irwin Bank & Trust 

Company.

- Approved, February 4, 2005 

Cleveland

Wintrust Financial Corporation, Lake Forest, Illinois -- to acquire First Northwest 

Bancorp, Inc., Arlington Heights, and First Northwest Bank.

- Approved, January 31, 2005 

Chicago

Bank Mergers

Community First Bank & Trust, Celina, Ohio -- to merge with Citizens First State 

Bank, Hartford City, Indiana, and thereby establish branches.

- Approved, February 3, 2005 

Cleveland

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority January 30, 2005 to February 5, 2005

Bank Mergers

First American Bank, Decatur, Alabama -- to merge with National Bank of 

Commerce of Birmingham, Birmingham, and thereby establish branches.

- Approved, January 31, 2005 

Secretary

Change In Bank Control

Marshfield Investment Company, Springfield, Missouri -- change in bank control.

- Permitted, February 2, 2005 

St. Louis

Mesa Financial Corporation, Sweetwater, Texas -- change in bank control.

- Permitted, February 4, 2005 

Dallas

Competitive Factors Reports

First National Bank of Northern California, South San Francisco, California -- 

report on competitive factors of the proposed purchase of certain assets and 

assumption of certain liabilities of Sequoia National Bank, San Francisco.

- Submitted, February 1, 2005 

San Francisco

Liberty Bank of Arkansas, Jonesboro, Arkansas -- report on competitive factors of 

the proposed merger with TrustBanc, Mountain Home.

- Submitted, February 3, 2005 

St. Louis

Sequoia National Bank, San Francisco, California -- report on competitive factors of 

the proposed merger with SNB Interim National Bank.

- Submitted, February 1, 2005 

San Francisco

Sunflower Bank, National Association, Salina, Kansas -- report on competitive 

factors of the proposed merger with First National Bank-Colorado, Fowler, 

Colorado.

- Submitted, February 2, 2005 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority January 30, 2005 to February 5, 2005

Competitive Factors Reports

Sunwest Bank, Tustin, California -- report on competitive factors of the proposed 

merger with Sunwest Acquisition Corporation.

- Submitted, February 2, 2005 

San Francisco

Valley National Bank, Passaic, New Jersey -- report on competitive factors of the 

proposed merger with Shrewsbury State Bank, Shrewsbury.

- Submitted, January 31, 2005 

New York

Western Sierra National Bank, Cameron Park, California -- report on competitive 

factors of the proposed merger with Gold Country Bank, N.A., Marysville.

- Submitted, February 4, 2005 

San Francisco

Wilson Bank & Trust, Lebanon, Tennessee -- report on competitive factors of the 

proposed mergers with Community Bank of Smith County, Carthage, and Dekalb 

Community Bank, Smithville.

- Submitted, February 2, 2005 

Atlanta

Extensions Of Time

CapitalBank, Greenwood, South Carolina -- extension to October 13, 2005, to 

establish a branch at 1620 Woodruff Road, Greenville.

- Granted, February 1, 2005 

Richmond

Citizens Bank, Flint, Michigan -- extension to May 13, 2005, to merge with F&M 

Bank-Wisconsin, Kaukauna, Wisconsin, and thereby establish branches.

- Granted, February 3, 2005 

Chicago

First Banks, Inc., St. Louis, Missouri -- extension to May 3, 2005, to acquire up to 

24.99 percent of the shares of Community West Bancshares, Goleta, California, and 

thereby acquire Goleta National Bank.

- Granted, February 4, 2005 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority January 30, 2005 to February 5, 2005

Extensions Of Time

FSB Bancshares, Inc., Henderson, Tennessee -- extension to May 3, 2005, to 

acquire up to 35 percent of the shares of Merchants and Planters Bancshares, Inc., 

Toone, and thereby acquire Merchants and Planters Bank.

- Granted, February 2, 2005 

St. Louis

Financial Holding Companies

Northeast Portland Community Development Trust, Portland, Oregon, and Albina 

Community Bancorp -- elections to become financial holding companies.

- Effective, February 3, 2005 

San Francisco

Richland State Bancorp, Inc., Rayville, Louisiana -- election to become a financial 

holding company.

- Effective, February 2, 2005 

Dallas

Regulations And Policies

Short-term Interest Rates -- increase in the target for the federal funds rate from 2-

1/4 percent to 2-1/2 percent.

- Approved, February 2, 2005 

FOMC

(AC) = Addition or Correction Delegated - Page 5 of 5
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, February 5, 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) BankFive, MHC and BankFive Corporation, both of Fall River, 

Massachusetts – application to become a mutual bank holding 

company and a stock bank holding company, respectively, by 

acquiring Fall River Five Cents Savings Bank, also of Fall 

River, Massachusetts

Newspaper – N/Avail

Fed Reg – 03/03/2005

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 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, February 5, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Manufacturers and Traders Trust Company request to establish a 

branch office at AT System Atlantic, 147 Stewart Road, 

Hanover Township, Luzerne County, Pennsylvania.

Newspaper – 02/14/2005

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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, February 5, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Premier Bank, Doylestown, PA, to establish a branch 

office at Southeast corner of York & Streets Road, 

Warminster Township, Bucks County, PA.

Newspaper – 02/14/2005

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

Type Application

Ending date of

comment period

3(a)(5) Community Banks, Inc., Harrisburg, PA, to acquire 100% 

of the outstanding shares of PennRock Financial Services 

Corp., Blue Ball, PA, and thereby indirectly acquire Blue 

Ball National Bank, Blue Ball, PA

Newspaper – 03/03/2005

Fed Reg – 03/03/2005

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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, February 5, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 9550 

State Route 14, Streetsboro, OH.

Newspaper – 01/14/2005

*Branch Fifth Third Bank, Cincinnati, OH to establish a temporary 

branch at 7000 Hampton Center, Suite D, Morgantown, WV.

Newspaper – 02/04/2005

*Branch Notification by Whitaker Bank, Lexington, Kentucky, to 

establish a de novo branch facility at 777 Morton Boulevard, 

Hazard, Kentucky, pursuant to the expedited procedures of 

Section 208.6 of Regulation Y.

Newspaper – 02/10/2005

*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)(3) Central Bancshares, Inc., Lexington, KY to acquire First Bank, 

Inc., Louisville, KY pursuant to Section 3(a)(3) of the Bank 

Holding Company Act.

Newspaper – N/Avail

Fed Reg – 02/21/2005

*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

1017425 The Killbuck Savings Bank Company

165 North Main Street

P. O. Box 407

Killbuck, Ohio 44637

09/20/2004 02/01/2005 S X

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, February 5, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Prosperity Bank & Trust, Springfield, Virginia, to provide a 

courier service to pick up non-cash deposits from business

customers at locations in of Springfield, Burke, McLean, 

Chantilly, Sterling, Woodbridge, and Fairfax, Virginia.*

Newspaper – 02/28/2005

18(c) Farmers & Mechanics Bank, Frederick, Maryland, to merge with 

The Fidelity Bank, Hagerstown, Maryland.*

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

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, February 5, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Foreign The Victoria Mutual Building Society, Kingston 10, Jamaica, to 

establish a representative office in Miami, Florida.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

3(a)(1) Enterprise Banking Company, Inc., Stockbridge, Georgia, to 

become a bank holding company by acquiring 100 percent of the 

outstanding shares of Dorsey State Bank, Abbeville, Georgia.*

Newspaper – 10/31/2004

Fed Reg – 10/25/2004

3(a)(3) Privee Financial, Inc., Miami, Florida, to acquire 100 percent of 

the outstanding shares of Sequoia National Bank, San Francisco, 

California.*

Newspaper – 02/25/2005

Fed Reg – 02/25/2005

3(a)(3) Privee LLC, Miami, Florida, to acquire 100 percent of the 

outstanding shares of Sequoia National Bank, San Francisco, 

California.*

Newspaper – 02/25/2005

Fed Reg – 02/25/2005

3(a)(3) Remo DuQuoin LLC, Miami, Florida, to acquire 100 percent of 

the outstanding shares of Sequoia National Bank, San Francisco, 

California.*

Newspaper – 02/25/2005

Fed Reg – 02/25/2005

CIC Frontier National Corporation, Sylacauga, Alabama, prior

change in control notice filed by the CM/FS Reeves Investment, 

L.P., Frances Skinner Reeves, Charles Monroe Reeves, Craig 

Jody Berlin, all of West Point, Georgia; Steven deRalph

Townson, Chelsea, Alabama; Steven Jeffrey Eisen, Nashville, 

Tennessee; Harold Beryl Kushner, Birmingham, Alabama; and 

Christopher Noel Zodrow, Auburn, Alabama; to acquire 32.00 

percent of the outstanding shares of Frontie r National

Corporation, Sylacauga, Alabama, and its subsidiary, Frontier 

Bank, LaGrange, Georgia.

Newspaper – N/Avail

Fed Reg – 02/15/2005

*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, 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 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, February 5, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch DeMotte State Bank, DeMotte, Indiana, to establish a branch 

facility to be located at 175 N. Main Street, Kouts, Indiana.*

Newspaper – 02/15/2005

* Subject to the provisions of the Community Reinvestment Act

Section II – Applications subject to both news paper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) Capitol Bancorp, Ltd., Lansing, Michigan, to acquire 51 percent 

of the voting shares of Peoples State Bank, Jeffersonville, 

Georgia.*

Fed Reg – 02/22/2005

Newspaper – N/Avail

CIC Notice by Michael J. Rivers, Winona, Minnesota, to acquire 

approximately 22.07 percent of the voting shares of Central 

Wisconsin Financial Services, Inc., Wausau, Wisconsin, and 

thereby indirectly acquire Bank of Wausau, Wausau, Wisconsin.

Fed Reg – 02/22/2005

Newspaper – N/Avail

3(a)(3) Centrue Financial Corporation, Kankakee, Illinois, to acquire 

100 percent of the voting stock of Illinois Community Bancorp, 

Inc., Effingham, Illinois, and thereby indirectly acquire Illinois 

Community Bank, Effingham, Illinois.*

Fed Reg – 02/22/2005

Newspaper – 02/19/2005

3(a)(3) LeRoy C. Darby, Inc. Employee Stock Ownership Plan With 

401(k) Provisions, Monona, Iowa, to acquire an additional 17 

shares of common stock, or 11.33 percent, of LeRoy C. Darby, 

Inc., Monona, Iowa, for an aggregate ownership of up to 36 

percent, and thereby indirectly acquire Peoples State Bank, 

Elkader, Iowa, and Union State Bank, Monona, Iowa.*

Fed Reg – 03/04/2005

Newspaper – N/Avail

3(a)(3) LeRoy C. Darby, Inc., Monona, Iowa, and LeRoy C. Darby, Inc. 

Employee Stock Ownership Plan With 401(k) Provisions, 

Monona, Iowa, to acquire 100 percent of PSB Bancshares, Ltd., 

Postville, Iowa, and thereby indirectly acquire Postville State 

Bank, Postville, Iowa.*

Fed Reg – 03/04/2005

Newspaper – N/Avail
Section II – Applications subject to both news paper and Federal Register notice

Type Application

Ending date of

comment period

CIC Notice by Douglas M. Kratz, Bettendorf, Iowa, and Perry B. 

Hansen, Rapids City, Illinois, to acquire more than 24.99 percent 

of the voting shares of Ridgestone Financial Services, Inc., 

Brookfield, Wisconsin, and thereby indirectly acquire 

Ridgestone Bank, Brookfield, Wisconsin.

Fed Reg – 02/22/2005

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

Membership American State Bank, Osceola, Iowa, to become a member of 

the Federal Reserve System.

4(c)(8) Logan Investment Corp., Keokuk, Iowa, proposes 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.
Section V – Availability of CRA public evaluations

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

210434 Northern Trust Company

50 S. LaSalle Street

Chicago, Illinois 60675

(312) 630-6000

05/17/2004 01/26/2005 O 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, February 5, 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 Bancorp, Inc., Green Forest, Arkansas, to acquire 

9.9 percent of Legacy National Bank, Springdale, Arkansas (in 

formation). (Previously submitted during the week ending 

January 29, 2005.)*

Newspaper – 02/26/2005

Fed Reg – 02/28/2005

3A1 FSB Bancorp, Inc., Houston, Texas, to become a bank holding 

company by acquiring 100 percent of Evergreen Bancshares, 

Inc., Crossett, Arkansas, and thereby indirectly acquire First 

State Bank, Crossett, Arkansas. (Previously submitted during 

the week ending January 1, 2005.)*

Newspaper – 02/27/2005

Fed Reg – 01/31/2005

CIC Notice by Richard T. Gregg and Jenny D. Gregg, both of Nixa, 

Missouri, to gain control of Southwest Missouri Bancshares, 

Inc., Ozark, Missouri. (Previously submitted during the week 

ending January 29, 2005.)

Newspaper – 02/16/2005

Fed Reg – 02/22/2005

* 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, February 5, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Community Bank Corporation, Chaska, Minnesota to establish a 

branch facility at 525 Lake Drive, Chanhassen, Minnesota.*

Newspaper – 02/14/2005

Branch First Interstate Bank, Billings, Montana, to establish a branch 

facility to be located in Wal-Mart, at 2032 Dell Range 

Boulevard, Cheyenne, Wyoming.*

Newspaper – 02/08/2005

* 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

CIC Notice by William E. Blomster, Keri Hilgendorf and Lance 

Blomster all of Fairmont, Minnesota acting in concert to gain 

control of B & M Bancshares, Inc., Fairmont, Minnesota and 

thereby indirectly gain control of State Bank of Fairmont, 

Fairmont, Minnesota.

Fed Reg – 02/16/2005

Newspaper – 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

2634191 Glacier Bank

Kalispell, Montana

07/12/2004 01/31/2005 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, February 5, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Bank 7, Medford, Oklahoma, to purchase certain assets and 

assume certain liabilities of the branch of Guarantee State Bank, 

Lawton, Oklahoma, located at 1039 NW 63rd Street, Oklahoma 

City, Oklahoma, and incident thereto, to establish a branch.

Newspaper – 02/18/2005

Branch American Heritage Bank, Sapulpa, Oklahoma, to establish a 

branch at 502 East Indiana Avenue, Kiefer, Oklahoma.

Newspaper – 02/10/2005

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

Type Application

Ending date of

comment period

3(a)(1) Frontier Holdings, LLC, Madison, Nebraska, to become a bank 

holding company through the direct acquisition of 100 percent 

of the voting shares of Bank of Madison, Madison, Nebraska.

Newspaper – 02/17/2005

Fed Reg – 02/21/2005

3(a)(1) Frontier Management, LLC, Madison, Nebraska, to become a 

bank holding company by virtue of its control of the affairs of 

Frontier Holdings, LLC, Madison, Nebraska.

Newspaper – 02/17/2005

Fed Reg – 02/21/2005

3(a)(3) First Liberty Capital Corporation Employee Stock Ownership 

Plan, Hugo, Colorado, to acquire an additional 1.65 percent, for 

a total of 29.8 percent of the voting shares of First Liberty 

Capital Corporation, Hugo, Colorado, parent of The First 

National Bank of Hugo, Hugo, Colorado.

Newspaper – 02/22/2005

Fed Reg – 02/28/2005

CIC Notification by Shawn D. Penner, Wichita, Kansas, individually 

and as general partner of Shamrock Partners, L.P., Wichita, 

Kansas, to retain control of Equity Bancshares, Inc., parent of 

Equity Bank, a National Association, both of Andover, Kansas.

Newspaper – N/Avail

Fed Reg – 02/17/2005

CIC Notification by Bill D. Inhofe, Muskogee, Oklahoma, to acquire 

control of Boynton Holding Company, parent of Territory Bank, 

both in Muskogee, Oklahoma.

Newspaper – N/Avail

Fed Reg – 02/22/2005
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

Membership First National Bank of Yuma (to be known as Colorado 

Community Bank), Yuma, Colorado, 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
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, February 5, 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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, February 5, 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 regula tion 

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