H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 16 

Week Ending April 16, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Actions under delegated authority April 10, 2005 to April 16, 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 

St. Louis 

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 3201 McClelland 

Boulevard, Joplin, Missouri. 

- Approved, April 12, 2005 

Kansas City 

Butte State Bank, Butte, Nebraska -- to establish a branch at 425 Hillcrest 

Boulevard, Spencer. 

- Approved, April 13, 2005 

Secretary 

Capital City Bank, Tallahassee, Florida -- to establish a mobile branch to operate in 

the Georgia counties of Bibb, Houston, Jones, Laurens, and Monroe. 

- Approved, April 15, 2005 

Cleveland 

Community Trust Bank, Inc., Pikeville, Kentucky -- to establish a branch at 6424 

Kentucky Route 1428, Allen. 

- Approved, April 14, 2005 

Cleveland 

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 1604 North Barron 

Street, Eaton. 

- Approved, April 15, 2005 

Secretary 

First State Bank N.M., Taos, New Mexico -- to establish a branch at 215 Union 

Boulevard, Lakewood, Colorado. 

- Approved, April 13, 2005 

Chicago 

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish a branch at 

7820 North Cortaro Road, Marana, Arizona. 

- Approved, April 14, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 7 
H.2 Actions under delegated authority April 10, 2005 to April 16, 2005 

Bank Branches, Domestic 

Philadelphia 

Pocono Community Bank, Stroudsburg, Pennsylvania -- to establish a branch at 

Route 209, Brodheadsville. 

- Approved, April 13, 2005 

Bank Holding Companies 

Kansas City 

BOTS, Inc., Topeka, Kansas -- to become a bank holding company and to acquire 

VisionBank, a de novo bank. 

- Approved, April 11, 2005 

Chicago 

Capitol Bancorp, Ltd., Lansing, Michigan -- to acquire Capitol Development 

Bancorp Limited II and thereby acquire Bank of Bellevue, Bellevue, Washington, a 

de novo bank; and for Capitol Development Bancorp Limited II, Lansing, to 

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

Bellevue. 

- Approved, April 15, 2005 

Atlanta 

The Colonial BancGroup, Inc., Montgomery, Alabama -- to acquire FFLC Bancorp, 

Inc., Leesburg, Florida, and its subsidiary, First Federal Savings Bank of Lake 

County. 

- Approved, April 13, 2005 

St. Louis 

Exchange National Bancshares, Inc., Jefferson City, Missouri -- to acquire Bank 10, 

Belton. 

- Approved, April 11, 2005 

St. Louis 

First National Security Company, DeQueen, Arkansas -- to acquire First 

Community Banking Corporation, Hot Springs, and thereby acquire First National 

Bank; First National Bank in Mena, Mena; and First National Bank, Mount Ida. 

- Approved, April 11, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 7 
H.2 Actions under delegated authority April 10, 2005 to April 16, 2005 

Bank Holding Companies 

San Francisco 

FNB Bancorp, South San Francisco, California -- to acquire Sequoia National Bank, 

San Francisco. 

- Approved, April 14, 2005 

Richmond 

GrandSouth Bancorporation, Greenville, South Carolina -- to acquire Car Bucks, 

Inc., Anderson. 

- Approved, April 13, 2005 

Philadelphia 

KNBT Bancorp, Inc., Bethlehem, Pennsylvania -- to acquire Northeast 

Pennsylvania Financial Corp., Hazelton, and thereby acquire First Federal Bank. 

- Approved, April 15, 2005 

Chicago 

Mainsource Financial Group, Greensburg, Indiana -- to acquire Madison Bank & 

Trust Company, Madison. 

- Withdrawn, April 15, 2005 

St. Louis 

Maries County Bancorp., Inc., Vienna, Missouri -- relief from certain commitments. 

- Granted, April 13, 2005 

San Francisco 

Pacific Coast National Bancorp, San Clemente, California -- to become a bank 

holding company and to acquire Pacific Coast National Bank, a de novo bank. 

- Approved, April 11, 2005 

Philadelphia 

Parke Bancorp, Inc., Washington Township, New Jersey -- to become a bank 

holding company in connection with a reorganization of Parke Bank. 

- Approved, April 14, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 7 
H.2 Actions under delegated authority April 10, 2005 to April 16, 2005 

Bank Mergers 

Secretary 

First American Bank, Decatur, Alabama -- to merge with First Citizens Bank, 

Talladega, and thereby establish branches. 

- Approved, April 13, 2005 

Atlanta 

Regions Bank, Birmingham, Alabama -- to merge with Union Planters Bank, 

National Association, Memphis, Tennessee, and thereby establish branches. 

- Approved, April 15, 2005 

Change In Bank Control 

Atlanta 

First Farmers Bancshares, Inc., Portland, Tennessee -- change in bank control. 

- Permitted, April 14, 2005 

Richmond 

Surrey Bancorp, Mount Airy, North Carolina -- change in bank control. 

- Permitted, April 15, 2005 

Competitive Factors Reports 

Atlanta 

Bank of Bolivar, Bolivar, Tennessee -- report on competitive factors of the 

proposed purchase of the Ardmore, Pulaski, and Fayetteville branches of Colonial 

Bank, N.A., Montgomery, Alabama. 

- Submitted, April 13, 2005 

Atlanta 

Bank of the South, Mount Juliet, Tennessee -- report on competitive factors of the 

proposed merger with Academy Bank, Lebanon. 

- Submitted, April 13, 2005 

Atlanta 

Citizens Bank & Savings Company, Russellville, Alabama -- report on competitive 

factors of the proposed purchase of the Town Creek, Cherokee, Center Star, and 

Phil Campbell branches of Colonial Bank, N.A., Montgomery. 

- Submitted, April 13, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 7 
H.2 Actions under delegated authority April 10, 2005 to April 16, 2005 

Competitive Factors Reports 

Atlanta 

Citizens Bank & Savings Company, Russellville, Alabama -- report on competitive 

factors of the proposed merger with Bank of Bolivar, Bolivar, Tennessee. 

- Submitted, April 13, 2005 

Chicago 

Citizens First National Bank, Princeton, Illinois -- report on competitive factors of 

the proposed merger with Farmers State Bank of Somonauk, Somonauk. 

- Submitted, April 13, 2005 

Minneapolis 

Citizens State Bank, Trempealeau, Wisconsin -- report on competitive factors of the 

proposed merger with First National Bank in Viroqua, Viroqua. 

- Submitted, April 12, 2005 

Philadelphia 

The Clearfield Bank and Trust Company, Clearfield, Pennsylvania -- report on 

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

of the State College office of First Commonwealth Bank, Indiana. 

- Submitted, April 11, 2005 

Minneapolis 

Community Bank of the Red River Valley, East Grand Forks, Minnesota -- report 

on competitive factors of the proposed merger with Rural American Bank-Ada, Ada. 

- Submitted, April 13, 2005 

Chicago 

Farmers & Merchants Bank & Trust, Burlington, Iowa -- report on competitive 

factors of the proposed merger with Farmers and Merchants Bank and Trust, Mount 

Pleasant. 

- Submitted, April 13, 2005 

Richmond 

First Citizens Bank and Trust Company, Inc., Columbia, South Carolina -- report on 

competitive factors of the proposed merger with Summit Financial Corporation, 

Greenville, and Summit National Bank. 

- Submitted, April 13, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 7 
H.2 Actions under delegated authority April 10, 2005 to April 16, 2005 

Competitive Factors Reports 

Cleveland 

First Southern National Bank, Lancaster, Kentucky -- report on competitive factors 

of the proposed merger with The Citizens National Bank of Russellville, 

Russellville; Citizens State Bank of Ballard County, Wickliffe; and First Bank and 

Trust Company of Princeton, Princeton. 

- Submitted, April 12, 2005 

Philadelphia 

HSBC Bank USA, National Association, Wilmington, Delaware -- report on 

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

certain liabilities of the branch of New York Community Bank, Westbury, New 

York, in ShopRite Store #239, Hillside, New Jersey. 

- Submitted, April 13, 2005 

Atlanta 

Riverside National Bank of Florida, Fort Pierce, Florida -- report on competitive 

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

liabilities of the Eustis and Tavares branches of Prosperity Bank, St. Augustine. 

- Submitted, April 11, 2005 

Extensions Of Time 

Atlanta 

Regions Bank, Birmingham, Alabama -- extension to May 18, 2006, to establish a 

branch at Churchill Drive and FM 2499, Flower Mound, Texas. 

- Granted, April 14, 2005 

Boston 

The Royal Bank of Scotland Group plc, Edinburgh, Scotland; The Royal Bank of 

Scotland plc, RBSG International Holdings Ltd., and Citizens Financial Group, Inc., 

Providence, Rhode Island -- extension to June 1, 2005, to acquire Citizens Bank, 

National Association, Albany, New York, a de novo bank. 

- Granted, April 15, 2005 

(AC) = Addition or Correction Delegated - Page 6 of 7 
H.2 Actions under delegated authority April 10, 2005 to April 16, 2005 

Extensions Of Time 

Cleveland 

S&T Bancorp, Inc., Indiana, Pennsylvania -- extension to July 13, 2005, to acquire 

up to 9.9 percent of the shares of Fidelity Bancorp, Inc., Pittsburgh, and thereby 

acquire Fidelity Savings Bank. 

- Granted, April 13, 2005 

Atlanta 

Sterling Bank, Lantana, Florida -- extension to May 6, 2006, to establish a branch at 

1201 South Andrews Avenue, Fort Lauderdale. 

- Granted, April 15, 2005 

Financial Holding Companies 

Kansas City 

Leawood Bancshares, Inc., Leawood, Kansas -- election to become a financial 

holding company. 

- Effective, April 13, 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, April 16, 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

25 State Street Bank and Trust Company, Boston, Massachusetts –

to invest up to 10% of SSBT’s capital and surplus plus $390 

million in its Edge and Agreement corporation subsidiaries

under section 211.5 (h) of Regulation K
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, April 16, 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 – N/Avail

FBSEA Banco Votorantim, Sao Paulo, Brazil, to establish a 

representative office in New York, New York.

Newspaper – N/Avail

FBSEA Lloyds TSB Offshore Limited, St. Helier, Jersey, to establish a 

representative office in Miami, Florida.

Newspaper – N/Avail

CIC Change in Bank Control by the Scharphf Family, Old Bridge, 

New Jersey, to acquire up to 37.08 percent of the common stock 

of Amboy Bancorporation, Old Bridge, New Jersey.

Newspaper – N/Avail

Other Foreign Bank One International Corporation, Chicago, Illinois, an Edge 

Corporation of JP Morgan Chase Bank, National Association, 

requests permission to decrease the capital stock and capital 

surplus.

Newspaper – N/Avail

*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 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, April 16, 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)(3) Univest Corporation of Pennsylvania, Souderton, PA to retain 

8.53% ownership of the outstanding stock of New Century 

Bank, Phoenixville, PA

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(5) Fulton Financial Corporation, Lancaster, PA to acquire SVB 

Financial Services, Inc., Somerville, NJ.

Newspaper – 05/15/2005

Fed Reg – 05/13/2005

Section III – Applications subje ct to Federal Register notice only

Type Application

Ending date of

comment period

Edge MBNA America Bank, N.A. Wilmington, DE to establish a 

Edge Corporation, MBNA International Investment Corporation, 

pursuant to Section 211.5 of Regulation K.

Fed Reg – 05/19/2005

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

Type Application

US Overseas 

Investment

MBNA America Bank, N.A. Wilmington, DE to invest up to 

$30 million to acquire 50% of Newco, Mexico City, Mexico, 

through MBNA International Investment Corporation
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, April 16, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Community Trust Bank, Inc., Pikeville, KY to establish a branch 

at 6424 Kentucky Route 1428, Allen, KY

Newspaper – 04/07/2005

*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)(5) Peoples Community Bancorp, Inc., West Chester, OH to acquire 

American State Corporation and its wholly-owned subsidiary 

American State Bank, both of Lawrenceburg, IN

Newspaper – N/Avail

Fed Reg – 04/07/2005

*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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, April 16, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Cecil Federal Bank, Elkton, Maryland, to establish a branch at 

390 Conowingo Road, Conowingo, Maryland.*

Newspaper – 05/13/2005

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(1) Square 1 Financial, Inc., Pinehurst, North Carolina, to become a 

bank holding company through the acquisition of 100% of the 

voting shares of Square 1 Bank, Durham, North Carolina (in 

organization).*

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

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, April 16, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Saint Petersburg, Tampa, Florida, to establish a branch 

located at 1110-B South Dale Mabry Highway, Tampa, 

Florida.*

Newspaper – 04/23/2005

Branch BankEast, Knoxville, Tennessee, to establish a branch located at 

8845 Kingston Pike, Knoxville, Tennessee.*

Newspaper – 04/16/2005

Branch BankEast, Knoxville, Tennessee, to establish a branch located at 

6000 Kingston Pike, Knoxville, Tennessee.*

Newspaper – 04/16/2005

Branch BankEast, Knoxville, Tennessee, to establish a branch located at 

10304 Chapman Highway, Seymour, Tennessee.*

Newspaper – 04/19/2005

Branch Coconut Grove Bank, Miami, Florida, to establish a branch 

located at 290 Alhambra Circle, Coral Gables, Florida, to be 

known as the Coral Gables Office.*

Newspaper – 04/20/2005

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

located at 2024 Corporate Centre Drive, Suite 103, Myrtle 

Beach, South Carolina.*

Newspaper – 04/16/2005

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

located at 52-A Persimmon Street, Bluffton, South Carolina.*

Newspaper – 04/19/2005

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

located at 1760 Bass Road, Macon, Georgia.*

Newspaper – 04/17/2005

*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) American Southern Bancorp, Inc., Roswell, Georgia, to become 

a bank holding company by acquiring100 percent of the 

outstanding shares of American Southern Bank, Roswell, 

Georgia (in organization).*

Newspaper – 05/09/2005

Fed Reg – 05/13/2005
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) Copiah Bancshares, Inc., Hazlehurst, Mississippi, to become a 

bank holding company by acquiring 100 percent of the 

outstanding shares Copiah Bank, National Association, 

Hazlehurst, Mississippi.*

Newspaper – N/Avail

Fed Reg – 05/13/2005

3(a)(3) Habersham Bancorp, Cornelia, Georgia, to acquire 100 percent 

of the outstanding shares of Liberty Bank & Trust, Toccoa, 

Georgia.*

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1) Hometown Community Bancshares, Inc., to become a bank 

holding company by acquiring 100 percent of the outstanding 

shares of Hometown Community Bank (in organization), both of 

Braselton, Georgia.*

Newspaper – 05/05/2005

Fed Reg – 04/22/2005

*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, April 16, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Comerica Bank, Detroit, Michigan, to establish a branch facility 

to be located at the northeast corner of Bellaire Boulevard and 

Rogersdale, Houston, Texas.*

Newspaper – N/Avail

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

establish a branch facility to be located at 7820 North Cortaro 

Road, Marana, Arizona.*

Newspaper – 03/26/2005

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

establish two branch facilities to be located at 10995 North 

Market Street, Mequon, Wisconsin, and at 4252 Southtowne 

Drive, Eau Claire, Wisconsin.*

Newspaper – 04/19/2005

18C & Branches Village Bank and Trust of Arlington Heights, Arlington Heights, 

Illinois, to merge with First Northwest Bank, Arlington Heights, 

Illinois, and thereby to establish branches at 234 West 

Northwest Highway, Arlington Heights, Illinois, and at 150 East 

Rand Road, Arlington Heights, Illinois.*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC Notice by the Hansen family (Jutta Hansen, DeWitt, Iowa and 

Chris Hansen III, Grand Mound, Iowa individually and as 

trustees of the Chris F. Hansen, Jr. Trust, DeWitt, Iowa; Pamela 

A. Swahn IRA, Granite Bay, California; Pamela A. Swahn, 

Granite Bay, California; Anne H. Fergus, Whitefish Bay, 

Wisconsin; and Melanie K. Boosalis, Long Grove, Iowa) to 

acquire control of 30.66 percent of the common stock of DeWitt 

Bancorp, Inc., DeWitt, Iowa, and thereby indirectly DeWitt 

Bank and Trust Company, DeWitt, Iowa.

Fed Reg – 04/20/2005

Newspaper – N/Avail

3(a)(1) Family Merchants Bancorporation, Inc., Cedar Rapids, Iowa, to 

become a bank holding company by acquiring 100 percent of 

Family Merchants Bank (in organization), Cedar Rapids, Iowa.*

Fed Reg – 05/06/2005

Newspaper – 05/07/2005
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) Peotone Bancorp, Inc., Peotone, Illinois, to acquire up to 20.06 

percent of the voting shares of SouthwestUSA Corporation, Las 

Vegas, Nevada, and thereby indirectly acquire SouthwestUSA 

Bank, Las Vegas, Nevada.*

Fed Reg – 05/13/2005

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.
Section V – Availability of CRA public evaluations

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, April 16, 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 Mercantile Bancorp, Inc., Quincy, Illinois, to increase its 

ownership from 13.75 percent up to 21 percent of NorthStar 

Bancshares, Inc., Kansas City, Missouri, and thereby increase its 

indirect control of NorthStar Bank, National Association, 

Kansas City, Missouri.*

Newspaper – 05/16/2005

Fed Reg – N/Avail

CIC Notice by Donald C. Bedell, Sikeston, Missouri, to gain control

of First Community Bancshares, Inc., Batesville, Arkansas.

(Previously submitted during the week ending April 9, 2005.)

Newspaper – 05/08/2005

Fed Reg – 05/02/2005

* 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, April 16, 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) Deerwood Bancshares, Inc., Deerwood, Minnesota, to acquire 

100 percent of Northome Bancshares, Inc., Northome, 

Minnesota, and thereby indirectly acquire Northland Community 

Bank, Northome, Minnesota.*

Fed Reg – 04/22/2005

Newspaper – N/Avail

3(a)(1) Rum River Bancorporation, Inc., Milaca, Minnesota to become a 

bank holding company by acquiring 100 percent of the First 

National Bank of Milaca, Milaca, Minnesota.*

Fed Reg – 04/21/2005

Newspaper – 05/07/2005

* 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 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
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, April 16, 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) Deerwood Bancshares, Inc., Deerwood, Minnesota, to acquire 

100 percent of Northome Bancshares, Inc., Northome, 

Minnesota, and thereby indirectly acquire Northland Community 

Bank, Northome, Minnesota.*

Fed Reg – 04/22/2005

Newspaper – N/Avail

3(a)(1) Rum River Bancorporation, Inc., Milaca, Minnesota to become a 

bank holding company by acquiring 100 percent of the First 

National Bank of Milaca, Milaca, Minnesota.*

Fed Reg – 04/21/2005

Newspaper – 05/07/2005

* 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 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
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, April 16, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch F&M Bank and Trust Company, Tulsa, Oklahoma, to establish a 

branch at 14185 Dallas Parkway, Dallas, Texas.

Newspaper – 04/29/2005

Branch Peoples Bank, Lawrence, Kansas, to establish a branch at 121 

East Main Street, Red River, New Mexico.

Newspaper – 04/23/2005

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

Type Application

Ending date of

comment period

3(a)(1) Signature Acquisition Company, Inc., Olathe Kansas, to become 

a bank holding company through the acquisition of 100 percent 

of the voting shares of Citizens Agency, Inc., Haddam, Kansas, 

parent of Frontier Bank, Haddam, Kansas, and immediately 

thereafter, to be merged into Signature Bancshares, Inc., Olathe, 

Kansas.

Newspaper – 05/07/2005

Fed Reg – 05/09/2005

3(a)(1) Signature Bancshares, Inc., Olathe, Kansas, to become a bank 

holding company through the acquisition of 100 percent of the 

voting shares of Citizens Agency, Inc., Haddam, Kansas, parent 

of Frontier Bank, Haddam, Kansas.

Newspaper – 05/07/2005

Fed Reg – 05/09/2005

3(a)(3) The Farmers State Bank of Fort Morgan, Colorado Employee 

Stock Ownership Plan, Fort Morgan, Colorado, to acquire up to 

38 percent of the voting shares of FSB Bancorporation of Fort 

Morgan, Colorado, parent of Farmers State Bank of Fort 

Morgan, both in Fort Morgan, Colorado.

Newspaper – 05/09/2005

Fed Reg – 05/13/2005

CIC Notification by Stephen Sherlock, Lamar, Colorado, individually 

and as trustee for Colorado East Bank & Trust Employee Stock 

Ownership Plan, Lamar, Colorado, to retain control of ColoEast 

Bankshares, Inc., Lamar, Colorado, parent of First National 

Bank of Tribune, Tribune, Kansas, and Colorado East Bank & 

Trust, Lamar, Colorado.

Newspaper – N/Avail

Fed Reg – 04/25/2005
Section III – Applications subject to Fede ral 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

480750 Bank of Parsons

1230 Main Street

Parsons, Kansas 67357

01/18/2005 04/14/2005 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, April 16, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch HCSB, A State Banking Association, Plainview, Texas, to 

establish a branch to be located at Kerrville Junction Center, at 

the corner of Sidney Baker South (State Highway 16) and Park 

Lane, Kerrville, Texas 78028. *

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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, April 16, 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 facility to be located at 1900 McHenry Avenue, 

Escalon, California.*

Newspaper – 04/28/2005

* 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 Jason Anis Awad to increase his ownership in 

Business Bank Corporation, and thereby indirectly increase his 

ownership in Business Bank of Nevada, Las Vegas, Nevada.*

Newspaper – 04/29/2005

Fed Reg – 04/27/2005

3(a)(1) Oakland Venture Group, Los Angeles, California, to become a 

bank holding company by acquiring 100 percent of Innovative 

Bancorp and its wholly-owned subsidiary, Innovative Bank, 

both of Oakland, California.*

Newspaper – 05/15/2005

Fed Reg – 05/15/2005

* 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