H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 19 

Week Ending May 7, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions May 1, 2005 to May 7, 2005 

Discount Rates 

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

percent to 4 percent by twelve Federal Reserve Banks. 

- Approved, May 3, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority May 1, 2005 to May 7, 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 

San Francisco 

Barnes Banking Company, Kaysville, Utah -- to establish a branch at 1220 South 

State Street, Orem. 

- Approved, May 2, 2005 

San Francisco 

Business Bank of Nevada, Las Vegas, Nevada -- to establish a branch at 4310 West 

Cheyenne Avenue. 

- Approved, May 6, 2005 

Secretary 

Comerica Bank, Detroit, Michigan -- to establish a branch at the intersection of 

Bellaire Boulevard and Rogersdale Road, Houston, Texas. 

- Approved, May 6, 2005 

Dallas 

HCSB, A State Banking Association, Plainview, Texas -- to establish a branch at 

Kerrville Junction Center, at the intersection of Sidney Baker South (State Highway 

16) and Park Lane, Kerrville. 

- Approved, May 2, 2005 

Richmond 

The Marathon Bank, Winchester, Virginia -- to establish a branch at 2252 Valley 

Avenue. 

- Approved, May 5, 2005 

Atlanta 

MidSouth Bank, Murfreesboro, Tennessee -- to establish a mobile branch to operate 

in Rutherford, Bedford, Cannon, Coffee, Davidson, Williamson, and Wilson 

counties. 

- Approved, May 4, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 7 
H.2 Actions under delegated authority May 1, 2005 to May 7, 2005 

Bank Branches, Domestic 

San Francisco 

Oak Valley Community Bank, Oakdale, California -- to establish a branch at 1900 

McHenry Avenue, Escalon. 

- Approved, May 3, 2005 

Richmond 

Southside Bank, Tappahannock, Virginia -- to establish a branch at 14833 George 

Washington Memorial Highway, Glenns. 

- Approved, May 6, 2005 

Dallas 

Texas State Bank, McAllen, Texas -- to establish a branch at 325 North St. Paul 

Street, Dallas. 

- Approved, May 6, 2005 

Bank Holding Companies 

Richmond 

Bank of America Corporation, Charlotte, North Carolina, and NB Holdings 

Corporation -- to acquire Bank of America Rhode Island, National Association, 

Providence, Rhode Island. 

- Approved, May 5, 2005 

General Counsel 

First Community Bancorp, Rancho Santa Fe, California -- request for an exemption 

under the Depository Institutions Management Interlocks Act and Regulation L. 

- Granted, May 2, 2005 

Atlanta 

Hometown Community Bancshares, Inc., Braselton, Georgia -- to become a bank 

holding company and to acquire Hometown Community Bank, a de novo bank. 

- Withdrawn, May 3, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 7 
H.2 Actions under delegated authority May 1, 2005 to May 7, 2005 

Bank Holding Companies 

New York 

HSH Nordbank AG, Hamburg, Germany, and Westdeutsche Landesbank 

Girozentrale, Dusseldorf -- to engage de novo through NY Credit Real Estate Fund, 

L.P. and New York Credit Advisors LLC, a joint venture investment, in extending 

credit and servicing loans and acting as an investment or financial advisor. 

- Approved, May 5, 2005 

Dallas 

Independent Bank Group Central Texas, Inc., McKinney, Texas, and CTB Holdings 

Delaware, Inc., Wilmington, Delaware -- to acquire through merger First FSB 

Bancshares, Inc., Mount Calm, Texas, and thereby acquire First State Bank, Italy, 

and First State Bank, Mount Calm. 

- Approved, May 4, 2005 

Cleveland 

Peoples Community Bancorp, Inc., West Chester, Ohio -- to acquire American State 

Corporation, Lawrenceburg, Indiana, and American State Bank. 

- Approved, May 3, 2005 

Kansas City 

Stockgrowers State Bank Employee Stock Ownership Plan, Ashland, Kansas -- to 

become a bank holding company and to acquire an additional 24 percent, for a total 

of 35 percent, of the shares of Stockgrowers Banc Corporation, parent of 

Stockgrowers State Bank. 

- Approved, May 4, 2005 

San Francisco 

Washington Bancorp, Inc., Lynwood, Washington -- to become a bank holding 

company and to acquire The Bank of Washington. 

- Returned, May 5, 2005 

Bank Mergers 

Cleveland 

The State Bank and Trust Company, Defiance, Ohio -- to acquire two Lima 

branches of Liberty Savings Bank, F.S.B., Wilmington. 

- Approved, May 5, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 7 
H.2 Actions under delegated authority May 1, 2005 to May 7, 2005 

Bank Mergers 

Chicago 

Village Bank and Trust of Arlington Heights, Arlington Heights, Illinois -- to merge 

with First Northwest Bank, and thereby establish branches at 234 West Northwest 

Highway and 150 East Rand Road. 

- Approved, May 4, 2005 

Banks, Foreign 

Director, BS&R 

Macquarie Bank Limited, Sydney, Australia -- waiver of the remainder of the 

notification period to establish representative offices in Irvine and Los Angeles, 

California, and Seattle, Washington. 

- Granted, May 5, 2005 

Banks, Nonmember, And Miscellaneous Institutions 

Secretary 

State Street International Holdings, Boston, Massachusetts -- renewal of its 

corporate existence for 20 years. 

- Approved, May 6, 2005 

Change In Bank Control 

San Francisco 

Business Bank Corporation, Las Vegas, Nevada -- to increase ownership in 

Business Bank Corporation and Business Bank of Nevada. 

- Permitted, May 4, 2005 

Atlanta 

Financial Corporation of Louisiana, Crowley, Louisiana -- change in bank control. 

- Permitted, May 2, 2005 

Kansas City 

Healthcare Bancorp, Inc., Broken Arrow, Oklahoma -- change in bank control. 

- Permitted, May 2, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 7 
H.2 Actions under delegated authority May 1, 2005 to May 7, 2005 

Change In Bank Control 

Atlanta 

Pointe Financial Corporation, Boca Raton, Florida -- to retain control of Pointe 

Financial Corporation and its subsidiary, Pointe Bank. 

- Withdrawn, May 6, 2005 

Atlanta 

South Banking Company, Alma, Georgia -- to retain control of South Banking 

Company and its subsidiaries. 

- Permitted, May 3, 2005 

Competitive Factors Reports 

Dallas 

The Citizens National Bank of Hillsboro, Hillsboro, Texas -- report on competitive 

factors of the proposed acquisition of Colonial Trust Company. 

- Submitted, May 3, 2005 

Cleveland 

Enterprise Bank, Allison Park, Pennsylvania -- report on competitive factors of the 

proposed merger with Enterprise Interim Bank. 

- Submitted, May 5, 2005 

Atlanta 

Heritage Community Bank, Greeneville, Tennessee -- report on competitive factors 

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

the Greeneville branch of National Bank of Tennessee, Newport. 

- Submitted, May 2, 2005 

Cleveland 

Peoples Community Bank, West Chester, Ohio -- report on competitive factors of 

the proposed merger with American State Bank, Lawrenceburg, Indiana. 

- Submitted, May 5, 2005 

Cleveland 

PNC Bank, National Association, Pittsburgh, Pennsylvania -- report on competitive 

factors of the proposed merger with Riggs National Trust Company, McLean, 

Virginia. 

- Submitted, May 4, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 7 
H.2 Actions under delegated authority May 1, 2005 to May 7, 2005 

Competitive Factors Reports 

Minneapolis 

Security State Bank of Hunter, Hunter, North Dakota -- report on competitive 

factors of the proposed merger with First State Bank of Hope, Hope. 

- Submitted, May 5, 2005 

Extensions Of Time 

Dallas 

FC Holdings, Inc., Houston, Texas, and First Community Holdings of Delaware, 

Inc., Wilmington, Delaware -- extension to July 24, 2005, to become bank holding 

companies and to acquire First Community Bank San Antonio, National 

Association, San Antonio. 

- Granted, May 4, 2005 

St. Louis 

First Banks, Inc., St. Louis, Missouri -- extension to August 2, 2005, to acquire up 

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

and thereby acquire Goleta National Bank. 

- Granted, May 3, 2005 

San Francisco 

Frontier Financial Corporation, Everett, Washington -- extension to August 4, 2005, 

to acquire up to 20 percent of the shares of Skagit State Bank, Burlington. 

- Granted, May 2, 2005 

Cleveland 

S&T Bancorp, Inc., Indiana, Pennsylvania -- extension to August 4, 2005, to 

acquire up to 9.9 percent of the shares of IBT Bancorp, Inc., Irwin, and thereby 

acquire Irwin Bank & Trust Company. 

- Granted, May 4, 2005 

Financial Holding Companies 

Chicago 

BSB Community Bancorporation, Inc., Benton, Wisconsin -- election to become a 

financial holding company. 

- Effective, May 3, 2005 

(AC) = Addition or Correction Delegated - Page 6 of 7 
H.2 Actions under delegated authority May 1, 2005 to May 7, 2005 

Membership 

Kansas City 

First Bethany Bank & Trust Company, National Association, Bethany, Oklahoma --

to become a member of the Federal Reserve System. 

- Approved, May 5, 2005 

Regulations And Policies 

FOMC 

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

3/4 percent to 3 percent. 

- Approved, May 3, 2005 

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

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, May 7, 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 John D. Doherty together with the Joseph R. Doherty Family 

Limited Partnership, L.P. - notification to acquire greater than 

10% of the outstanding shares of Central Bancorp, Inc., 

Somerville, Massachusetts, pursuant to the Change in Bank 

Control Act of 1978

Newspaper – 05/18/2005

Fed Reg – 05/17/2005

3(a)(1) First Valley Bancorp, Inc., Bristol, Connecticut – to become a 

bank holding company through the acquisition of 100% of the 

shares of Valley Bank, Bristol, Connecticut

Newspaper – 05/27/2005

Fed Reg – 05/31/2005

3(a)(1) First Brandon Financial Corporation, Brandon, Vermont – to 

become a bank holding company through the acquisition of 

100% of the outstanding shares of First Brandon National Bank, 

Brandon, Vermont

Newspaper – N/Avail

Fed Reg – 06/06/2005

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 he lp 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 7, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Banco Latinoamericano De Exportaciones, S.A., Panama City, 

Panama, to establish a representative office in Miami, Florida

Newspaper – 05/31/2005

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

Type Application

Ending date of

comment period

* 3A3 Hudson Valley Holding Corp., Yonkers, New York, proposes to 

acquire 100 percent of New York National Bank, Bronx, New 

York.

Newspaper – 05/18/2005

Fed Reg – 05/24/2005

* 3A1 Treetops Acquisition Group LP, Treetops Acquisition Group II 

LP, Treetops Acquisition Group Ltd., Treetops Acquisition 

Group II Ltd., CAM Discount Ltd. and the Edgar M. Bronfman 

Trusts A, B, C, D, E, F and G, all of New York, New York, (the 

“Application”) for prior approval of the Board of Governors of 

the Federal Reserve System (the “Board”), pursuant to Section 

3(a)(1) of the Bank Holding Company Act of 1956, as amended, 

to become bank holding companies through the acquisition of up 

to fifty-one percent of the outstanding shares of Israel Discount 

Bank, Ltd., Tel Aviv, Israel, and thereby acquire Discount 

Bancorp, New York, New York and its New York Statechartered bank, Israel Discount Bank of New York, New York, 

New York.

Newspaper – N/Avail

Fed Reg – 05/13/2005

* 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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, May 7, 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 The Willits Family Partnership, Malvern, PA and its general 

partner, the Willits Family Trust, Malvern, PA, and its trustees 

Barbara Willits Shipp, Lydia Willits Bartholomew, William 

L.W. Shipp and Jamie Bartholomew, all of West Chester, PA, to 

purchase the outstanding stock of Malvern Bank Corporation, 

Malvern, PA.

Newspaper – 05/31/2005

Fed Reg – 05/25/2005

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, May 7, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Application by Fifth Third Bank, Grand Rapids, Michigan to 

establish a bank branch at 50 Central Avenue, Sarasota, Florida

Newspaper – 04/27/2005

*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, May 7, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Consolidated Bank and Trust Company, Richmond, Virginia, to 

merge with Abigail Adams Interim Bank, Washington, D. C. (an 

organizing bank).

Newspaper – 05/21/2005

18(c) Bruceton Bank, Bruceton Mills, West Virginia, to merge with 

The Terra Alta Bank, Terra Alta, West Virginia.*

Newspaper – 06/03/2005

*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) Abigail Adams National Bancorp, Inc., Washington, D. C., to 

acquire 100% of the voting shares of Consolidated Bank and 

Trust Company, Richmond, Virginia.*

Fed Reg – 05/24/2005

Newspaper – 05/21/2005

3(a)(5) Capital One Financial Corporation, McLean, Virginia, to acquire 

100% of the voting shares of Hibernia Corporations, New 

Orleans, Louisiana.*

Fed Reg – 06/03/2005

Newspaper – N/Avail

CIC Notice of Change in Control filed by Raymond T. Arnold and 

immediate family members to acquire up to 19.9% of the voting 

shares of Citizens Community Bank, South Hill, Virginia.*

Fed Reg – N/Avail

Newspaper – N/Avail

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 – 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

3211768 Fidelity & Trust Bank

4831 Cordell Avenue

Bethesda, Maryland 20814

01/31/2005 05/01/2005 S X

2847432 Citizens Community Bank

800 North Mecklenburg Avenue

South Hill, Virginia 23970

02/14/2005 05/01/2005 S X

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 7, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch AuburnBank, Auburn, Alabama, to establish a branch

located inside the Kroger Tigertown Supermarket Store at 

Frederick Road and Enterprise Drive, Opelika, Alabama.*

Newspaper – 05/11/2005

*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)(1) First Community Holding Company, to become a bank 

holding company by acquiring 100 percent of the

outstanding shares of First Community Bank, both of

Hammond, Louisiana.*

Newspaper – 05/31/2005

Fed Reg – 06/03/2005

*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

3(a)(1) Business Bank of Florida, Corp, Melbourne, Florida, notice 

to become a bank holding company by acquiring 100

percent of the outstanding shares of Florida Business Bank, 

Melbourne, Florida, formerly known as First Business

Bank.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD 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, May 7, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, to 

establish branch facilities at the following locations: 859 East 

Green Bay Road, Saukville, Wisconsin; 2955 East Chandler 

Heights Road, Chandler, Arizona; Janesville Road and 

Moorland Road, Muskego, Wisconsin, and Kenwood Terrace 

and Kenrick Avenue, Lakeville, Minnesota.*

Newspaper – 05/06/2005

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) & 3(a)(1) Capitol Bancorp, Ltd., Lansing, Michigan, to acquire 51 percent 

of the voting shares of Capitol Development Bancorp Limited II, 

Lansing, Michigan, and thereby indirectly acquire Bank of 

Auburn Hills (in organization), Auburn Hills, Michigan, and by 

Capitol Development Bancorp Limited II, Lansing, Michigan, to 

become a bank holding company by acquiring 51 percent of the 

voting shares of Bank of Auburn Hills (in organization), Auburn 

Hills, Michigan.*

Fed Reg – 06/02/2005

Newspaper – 04/02/2005

3(a)(3) Evans Bancshares, Inc., Evansdale, Iowa, to acquire 100 percent 

of First Resource Bank (in organization), Savage, Minnesota.*

Fed Reg – 05/27/2005

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

Type Application

Ending date of

comment period

CIC Notice by Walter Carlson, Naples, Florida, and Dennis Shull, 

Indianola, Iowa, to increase their ownership of Morning Sun 

Bank Corp., Morning Sun, Iowa, and thereby indirectly Iowa 

State Bank, Wapello, Iowa, to 66.67 percent and 33.33 percent, 

respectively.

Fed Reg – 05/11/2005

Newspaper – 05/12/2005

3(a)(3) Peotone Bancorp, Inc., Peotone, Illinois, and Founders Group, 

Worth, Illinois, to acquire 100 percent of the voting shares of 

Vermilion Bancorp, Inc., Danville, Illinois, and thereby 

indirectly acquire American Savings Bank of Danville, Danville, 

Illinois.*

Fed Reg – 06/02/2005

Newspaper – N/Avail

3(a)(5) PrivateBancorp, Inc., Chicago, Illinois, to acquire 100 percent of 

the voting shares of Bloomfield Hills Bancorp, Inc., Bloomfield 

Hills, Michigan, and thereby indirectly acquire The Private 

Bank, Bloomfield Hills, Michigan.*

Fed Reg – 05/28/2005

Newspaper – N/Avail

3(a)(1) Symphony Bancorp, Indianapolis, Indiana, to become a bank 

holding company by acquiring 100 percent of the voting shares 

of Symphony Bank (in organization), Indianapolis, Indiana.*

Fed Reg – 05/31/2005

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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, May 7, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Arvest Bank, Fayetteville, Arkansas, to establish a branch 

facility to be located at 1107 South Rogers Street, Clarksville, 

Arkansas. *

Newspaper – 05/12/2005

* 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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, May 7, 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 – 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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, May 7, 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) Second Capital Investments, LLC, Lee's Summit, Missouri, to 

become a bank holding company through the acquisition of up 

to 33.90 percent of the voting shares of 1st Financial Bancshares, 

Inc., Overland Park, Kansas, parent of 1st Financial Bank, 

Overland Park, Kansas.

Newspaper – 05/21/2005

Fed Reg – 05/24/2005

3(a)(3) Central Financial Corporation, Hutchinson, Kansas, to acquire 

up to 9.93 percent of the voting shares of Fort Worth 

Bancshares, Inc., parent of Fort Worth National Bank, both in 

Fort Worth, Texas.

Newspaper – 05/30/2005

Fed Reg – 05/27/2005

3(a)(3) Central Financial Corporation, Hutchinson, Kansas, to acquire 

up to 17.66 percent of the voting shares of Parkway National 

Bancshares, Inc., Plano, Texas, parent of Parkway National 

Bancshares of Delaware, Inc., Wilmington, Delaware, and 

Parkway Bank, N.A., Plano, Texas.

Newspaper – 06/03/2005

Fed Reg – 05/31/2005

CIC Notification by Willard L. Frickey, Las Vegas, Nevada; Bardley 

K. Frickey, Brian K. Frickey and Tracy R. Hudson, all of Ellis, 

Kansas; and Trever L. Frickey, Kansas City, Missouri, to 

acquire control of Hanston Insurance Agency, Inc., parent of 

Hanston State Bank, both of Hanston, Kansas.

Newspaper – N/Avail

Fed Reg – 05/23/2005

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

172158 First Neodesha Bank

524 Main Street

Neodesha, Kansas 66757-1739

02/07/2005 05/06/2005 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 7, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C TexasBank, Fort Worth, TX, to merge with Northwest National

Bank of Arlington, Arlington, TX*

Newspaper – 05/28/2005

Branch TexasBank, Fort Worth, TX, to establish a branch at 610 W. 

Randol Mill Road, Arlington, TX. 76011*

Newspaper – 05/28/2005

Branch Peoples Bank, Lubbock, TX, to establish a branch at the 

southwest corner of Hwy 86 and Hwy 168, Nazareth, TX 

79063*

Newspaper – 05/14/2005

* 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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, May 7, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Business Bank of Nevada, Las Vegas, Nevada, to establish a 

branch facility to be located at 4310 W. Cheyenne Avenue, 

North Las Vegas, Nevada.*

Newspaper – 05/03/2005

* 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

3A1 WSB Financial Group, Inc., Bremerton, Washington, to become 

a bank holding company by acquiring 100 percent of Westsound 

Bank, Bremerton, Washington.
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

795968 Bank of Hawaii

111 South King Street

Honolulu, Hawaii 96813

(808) 538-4727

10/18/2004 05/05/2005 O X

2352815 Business Bank of Nevada

6085 West Twain Avenue

Las Vegas, Nevada 89103

(702) 794-0070

01/10/2005 05/05/2005 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None