Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 16

Week Ending April 17, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions April 11, 2004 to April 17, 2004

Forms

Forms -- final Board review of proposals to extend without revision the Survey to Obtain 

Information on the Relevant Market in Individual Merger Cases (FR 2060), Transfer 

Agent Registration and Amendment Form (FR TA-1), and Written Security Program for 

State Member Banks (FR 4004).

- Approved, April 16, 2004 

Regulations And Policies

Fair Credit Reporting Act -- publication for comment of proposed rules under Regulation 

V concerning the circumstances under which creditors may obtain and use consumers' 

medical information (Docket No. R-1188).

- Approved, April 6, 2004 (AC)

Enforcement

Community First Bank and Trust, Celina, Ohio -- written agreement dated July 25, 2002, 

terminated February 4, 2004.

- Announced, April 14, 2004 

(AC) = Addition or Correction Board - Page 1 of 1
April 11, 2004 to April 17, 2004

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

AmSouth Bank, Birmingham, Alabama -- to establish branches at 2401 Gateway Drive, 

Opelika, and 1014 East Brandon Boulevard, Brandon, Florida.

- Approved, April 13, 2004 

Atlanta

Arvest Bank, Fayetteville, Arkansas -- to establish branches at 7633 East 63rd Place, 

Tulsa, Oklahoma, and 2203 North Highway 81, Duncan.

- Approved, April 14, 2004 

St. Louis

Bank of Smithtown, Smithtown, New York -- to establish branches at 3460 Veterans 

Memorial Highway, Suffolk County, and Miller Place Shopping Center, Route 25A.

- Approved, April 14, 2004 

New York

CapitalBank, Greenwood, South Carolina -- to establish branches at 1620 Woodruff 

Road, Greenville, and 1200 West Wade Hampton Boulevard, Greer.

- Approved, April 13, 2004 

Richmond

Cole Taylor Bank, Rosemont, Illinois -- to establish a branch at 1250 North Arlington 

Heights Road, Itasca.

- Approved, April 15, 2004 

Chicago

Farmers and Merchants Bank of Long Beach, Long Beach, California -- to establish a 

branch at 24300 Paseo de Valencia, Laguna Hills, and to invest in bank premises.

- Approved, April 15, 2004 

San Francisco

Farmers and Merchants Bank of Rockford, Spokane, Washington -- to establish a 

branch at 509 North Sullivan Road, Spokane Valley.

- Approved, April 12, 2004 

San Francisco

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority April 11, 2004 to April 17, 2004

Bank Branches, Domestic

Fifth Third Bank, Grand Rapids, Michigan -- to establish branches at 803 South Main 

Street, Royal Oak; 20401 Haggerty Road, Northville; 36700 Ford Road, Westland; 

3535 East 96th Street, Indianapolis, Indiana; 9025 East 56th Street, Indianapolis; 3264 

Highway 54, Owensboro, Kentucky; 375 Cross Road Boulevard, Cold Spring; and 333 

Northwest Highway, Barrington, Illinois.

- Approved, April 12, 2004 

Cleveland

RBC Centura Bank, Rocky Mount, North Carolina -- to establish branches at 7231 

Rockbridge Road, Lithonia, Georgia, and 4500 South Cobb Drive, Smyrna.

- Approved, April 14, 2004 

Richmond

SouthTrust Bank, Birmingham, Alabama -- to establish branches at 10791 West Broad 

Street, Glen Allen, Virginia, and 1696 North Loop 288, Denton, Texas.

- Approved, April 15, 2004 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish branches at the intersection of Peachtree 

and Laurel Springs Parkways, Suwanee; 1165 Fairburn Road, Atlanta; and 2880 

Shallowford Road, Northeast.

- Approved, April 12, 2004 

Atlanta

Bank Holding Companies

BankEast Corporation, Knoxville, Tennessee -- to become a bank holding company and 

to acquire The Citizens Bank of Gainesboro, Gainesboro.

- Approved, April 14, 2004 

Atlanta

The Colonial BancGroup, Inc., Montgomery, Alabama -- to merge with P.C.B. Bancorp, 

Inc., Clearwater, Florida, and thereby acquire Premier Community Bank of Southwest 

Florida, Fort Myers; Premier Community Bank of South Florida, Fort Lauderdale; 

Premier Community Bank, Venice; and Premier Community Bank of Florida, Largo.

- Approved, April 12, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority April 11, 2004 to April 17, 2004

Bank Holding Companies

Farmers Bancorp, Inc., Lynchburg, Tennessee -- to become a bank holding company 

and to acquire The Farmers Bank of Lynchburg.

- Approved, April 12, 2004 

Atlanta

First Holding Company of Cavalier, Inc., Cavalier, North Dakota -- to acquire Argyle 

Financial Services, Inc., Argyle, Minnesota, and Argyle State Bank.

- Approved, April 15, 2004 

Minneapolis

First Southwest Bancorporation, Inc., Alamosa, Colorado -- to become a bank holding 

company and to acquire First Southwest Bank, a de novo bank.

- Approved, April 16, 2004 

Kansas City

Home State Bancorp, Loveland, Colorado -- to become a bank holding company and to 

acquire Home State Bank.

- Approved, April 15, 2004 

Kansas City

International Bancshares Corporation, Laredo, Texas -- to acquire Local Financial 

Corporation, Oklahoma City, Oklahoma, and Local Oklahoma Bank.

- Approved, April 15, 2004 

Dallas

Mariner's Bancorp, Edgewater, New Jersey -- to become a bank holding company and 

to acquire Mariner's Bank.

- Approved, April 15, 2004 

New York

MB Financial, Inc., Chicago, Illinois -- to acquire First Security Fed Financial, Inc. and 

First Security Federal Savings Bank.

- Approved, April 14, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority April 11, 2004 to April 17, 2004

Bank Holding Companies

Naples Bancorp, Inc., Naples, Florida -- to become a bank holding company and to 

acquire Bank of Naples.

- Approved, April 16, 2004 

Atlanta

OptimumBank Holdings, Inc., Plantation, Florida -- to become a bank holding company 

and to acquire OptimumBank.com.

- Approved, April 15, 2004 

Atlanta

Seacoast Financial Services Corporation, New Bedford, Massachusetts -- to acquire 

Abington Bancorp, Weymouth, and Abington Savings Bank, Abington.

- Approved, April 12, 2004 

Boston

Wilshire Bancorp, Inc., Los Angeles, California -- to become a bank holding company 

and to acquire Wilshire State Bank.

- Approved, April 12, 2004 

San Francisco

Bank Mergers

Hanmi Bank, Los Angeles, California -- to merge with Pacific Union Bank and thereby 

acquire 12 California branches.

- Approved, April 12, 2004 

San Francisco

Memphis State Bank, Memphis, Texas -- to acquire the White Deer branch of First Bank 

& Trust Company, Lubbock, and thereby establish a branch.

- Approved, April 14, 2004 

Dallas

Banks, State Member

BankEast, Gainesboro, Tennessee -- to retain shares of The Plateau Group, Inc., 

Crossville, and Plateau Insurance Company, after conversion to a state member bank.

- Approved, April 14, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority April 11, 2004 to April 17, 2004

Change In Bank Control

Ridgestone Financial Services, Inc., Brookfield, Wisconsin -- change in bank control.

- Permitted, April 16, 2004 

Chicago

Royal Bancshares, Inc., Elroy, Wisconsin -- change in bank control notices.

- Permitted, April 16, 2004 

Chicago

Strategic Capital Bancorp, Inc., Champaign, Illinois -- change in bank control.

- Permitted, April 16, 2004 

Chicago

Thomson Holdings, Inc., Centerville, South Dakota -- change in bank control.

- Permitted, April 16, 2004 

Minneapolis

Competitive Factors Reports

California Savings Bank, San Francisco, California -- report on competitive factors of the 

proposed merger with FBOP Interim Savings Bank.

- Submitted, April 15, 2004 

San Francisco

Commercial Capital Bank, FSB, Irvine, California -- report on competitive factors of the 

proposed merger with Hawthorne Savings, FSB, Hawthorne.

- Submitted, April 15, 2004 

San Francisco

First National Bank of the North, Sandstone, Minnesota -- report on competitive factors 

of the proposed merger with First National Bank of Hinckley, Hinckley.

- Submitted, April 16, 2004 

Minneapolis

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority April 11, 2004 to April 17, 2004

Competitive Factors Reports

Flathead Bank of Bigfork, Bigfork, Montana -- report on competitive factors of the 

proposed purchase of certain assets and assumption of certain liabilities of the Cut Bank 

branch of First Interstate Bank, Billings.

- Submitted, April 15, 2004 

Minneapolis

Mid Penn Bank, Millersburg, Pennsylvania -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the branch of Vartan National 

Bank at Allegheny and Swarta Streets, Dauphin.

- Submitted, April 15, 2004 

Philadelphia

Nara Bank, National Association, Los Angeles, California -- report on competitive 

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

the Hackensack, New Jersey branch of Interchange Bank, Saddle Brook.

- Submitted, April 15, 2004 

San Francisco

Northwest National Bank of Arlington, Arlington, Texas -- report on competitive factors 

of the proposed merger with New Northwest Bank, Fort Worth.

- Submitted, April 16, 2004 

Dallas

SBU Bank, Utica, New York -- report on competitive factors of the proposed mergers 

with SBU Interim Bank I, SBU Interim Bank II, and SBU Interim Bank III.

- Submitted, April 13, 2004 

New York

SBU Municipal Bank, Utica, New York -- report on competitive factors of the proposed 

purchase of certain assets and assumption of certain liabilities of SBU Bank.

- Submitted, April 14, 2004 

New York

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority April 11, 2004 to April 17, 2004

Competitive Factors Reports

Simmons First Bank of Jonesboro, Jonesboro, Arkansas -- report on competitive factors 

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

Weiner branch of Cross Country Bank, Wynne.

- Submitted, April 13, 2004 

St. Louis

Southern Bank and Trust Company, Mount Olive, North Carolina -- report on 

competitive factors of the proposed acquisition of the Seabord and Woodland branches 

of Capital Bank, Raleigh.

- Submitted, April 15, 2004 

Richmond

Sovereign Bank, Wyomissing, Pennsylvania -- report on competitive factors of the 

proposed acquisition by merger of Compass Bank for Savings, New Bedford, 

Massachusetts, and Nantucket Bank, Nantucket.

- Submitted, April 14, 2004 

Boston

Teche Federal Savings Bank, Franklin, Louisiana -- report on competitive factors of the 

proposed merger with First FS&LA, Opelousas.

- Submitted, April 14, 2004 

Atlanta

Extensions Of Time

Delafield State Bank, Delafield, Wisconsin -- extension to July 17, 2004, for Town Bank 

(formerly Delafield State Bank) to establish a branch at 10 West Mifflin Street, Madison.

- Granted, April 16, 2004 

Chicago

(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 17, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, April 17, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3a1 Hilltop Community Bancorp, Inc., Summit, New Jersey, for 

prior approval of the Board to become a Bank Holding 

Company through the acquisition of 100 percent of the 

outstanding shares of Hilltop Community Bank, Summit, New 

Jersey.

Newspaper – N/Avail

Fed Reg – 05/17/2004

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 17, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, April 17, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

at 29 West Division Street, Chicago, Illinois and 1943 Cedar 

Street, Holt, Michigan

Newspaper – 04/17/2004

*Branch Iron and Glass Bank, Pittsburgh, Pennsylvania, to establish a 

branch facility at Three Park Manor Drive, Robinson Township, 

Pennsylvania

Newspaper – 04/15/2004

*18(c) & Branch Merger of State National Bank of Frankfort, Frankfort, KY, and 

First National Bank & Trust Company, Georgetown, KY, into 

Whitaker Bank, National Association, Lexington, KY

Newspaper – 05/02/2004

*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) Citizens Bancshares, Inc., Bluffton, Ohio, proposes to become a 

bank holding company through the acquisition of The Citizens 

National Bank, Bluffton, Ohio

Newspaper – 05/01/2004

Fed Reg – 04/30/2004

CIC Notice of Change in Bank Control by the Clay and Bernice 

Corman Family Control Group, Nicholasville, Kentucky, to 

retain 17.78% of the voting shares of Citizens National 

Bancshares, Inc., Nicholasville, Kentucky

Newspaper – 04/14/2004

Fed Reg – N/Avail

*3(a)(3) & 3(a)(5) Applications by Fifth Third Bancorp and Fifth Third Financial 

Corporation, its wholly-owned subsidiary, both of Cincinnati, 

Ohio, to acquire Franklin Financial Corporation and its sole 

subsidiary bank, Franklin National Bank, both of Franklin, 

Tennessee

Newspaper – 04/11/2004

Fed Reg – 04/15/2004

*3(a)(5) Huntington Bancshares, Incorporated, Columbus, Ohio, to 

acquire Unizan Financial Corp., Canton, Ohio

Newspaper – N/Avail

Fed Reg – 04/23/2004

*3(a)(5) & 4(c)(8) National City Corporation, Cleveland, Ohio, to acquire 100 

percent of Provident Financia l Group, Inc., Cincinnati, Ohio, 

and thereby indirectly acquire Provident Bank, Cincinnati, Ohio

Newspaper – 03/22/2004

Fed Reg – 03/19/2004
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

*18(c), *3(a)(5), 

& Branch

Sky Financial Group, Inc., Bowling Green, Ohio, to acquire 

Second Bancorp, Incorporated, Warren, Ohio

Newspaper – 04/26/2004

Fed Reg – N/Avail

*Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None
Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, April 17, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Sandy Spring Bank, Olney, Maryland, to establish a branch at 

5800 Mercantile Drive, East, Frederick, Maryland.*

Newspaper – 04/22/2004

Branch Highlands Community Bank, Covington, Virginia, to establish a 

branch at 1501 Main Street, Clifton Forge, Virginia.*

Newspaper – 04/22/2004

Branch Peoples Bank of Virginia, Richmond, Virginia, to establish a 

branch at 14431 Sommerville Court, Midlothian, Virginia.*

Newspaper – 04/23/2004

Branch New Peoples Bank, Inc., Honaker, Virginia, to establish a 

branch at 2302 Second Street, Richlands, Virginia.*

Newspaper – 04/26/2004

*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

3153288 SuffolkFirst Bank

100 Bosley Avenue

Suffolk, Virginia 23434

01/27/2004 04/11/2004 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, April 17, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at the southwest corner of Westheimer Parkway and 

Grand Parkway, Katy, Texas.*

Newspaper – 04/20/2004

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

located at the intersection of Moores Mill Road and Rockfence 

Road, Auburn, Alabama.*

Newspaper – 04/23/2004

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

2110 John Rolfe Parkway, Richmond, Virginia, to be known as 

the John Rolfe Commons Office.*

Newspaper – 04/24/2004

*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

CIC American Bancorp, Inc., Opelousas, Louisiana, prior change in 

control notice filed by Salvador Lawrence Diesi, Sr., Elaine 

Diesi Ardoin, Joseph William Diesi, Joseph Charles Diesi, Sr., 

Samuel Charles Diesi, Joseph Charles Diesi, Jr., and Linda Diesi 

Cornette, all of Opelousas, Louisiana, Frank James Diesi, II, and 

Thomas Robert Diesi, both of Breaux Bridge, Louisiana, and 

Salvador Lawrence Diesi, Jr., Lafayette, Louisiana, to

collectively acquire 13.71 percent of the outstanding shares of 

American Bancorp, Inc., Opelousas, Louisiana. Total pro forma 

ownership will be 40.30 percent.

Newspaper – N/Avail

Fed Reg – 05/06/2004

3(a)(5) Citizens Banking Corporation, Frostproof, Florida, to merge 

with American Banking Corporation, and thereby directly 

acquire its subsidiary, American Bank and Trust Company, both 

of Lake Wales, Florida.*

Newspaper – N/Avail

Fed Reg – 05/06/2004

*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

5b BankEast, Gainesboro, Tennessee, to continue to own, after 

conversion to a state member bank, 1.7 percent of the 

outstanding stock of The Plateau Group, Inc., and its subsidiary, 

Plateau Insurance Company, both of Crossville, Tennessee.

3(a)(1) Southern Heritage Bancshares, Inc., Cleveland, Tennessee, 

notice to become a bank holding company by acquiring 

Southern Heritage Bank, Cleveland, Tennessee.

COM Jacksonville, Inc., Jacksonville, Florida, commitment waiver 

request.

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 17, 2004

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 8660-26 Mile Road, Shelby Township, Macomb 

County, Michigan.*

Newspaper – N/Avail

18C Community Bank (in organization), Austin, Minnesota, to 

purchase the assets and assume the liabilities of the Austin, 

Minnesota branch of Security Bank Minnesota, Albert Lea, 

Minnesota.*

Newspaper – N/Avail

Branch Harris Trust and Savings Bank, Chicago, Illinois, to establish a 

branch facility to be located at the northwest corner of 2nd 

Avenue and Laurel Street, Highland Park, Illinois.*

Newspaper – N/Avail

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

establish branch facilities to be located at Recker Road & East 

McKellips Road, Mesa, Arizona; East Allouez & CTH GV, 

Bellevue, Wisconsin, and 9935 Hudson Place, Woodbury, 

Minnesota.*

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) Community National Bancorporation, Waterloo, Iowa, to 

acquire 100 percent of Community Bank (In Organization), 

Austin, Minnesota.*

Fed Reg – 05/03/2004

Newspaper – N/Avail

4(c)(8) FBOP Corporation, Oak Park, Illinois, to acquire 100 percent of 

the voting shares of California Savings Bank, San Francisco, 

California, and thereby operate a savings association.*

Fed Reg – 05/06/2004

Newspaper – N/Avail

3(a)(3) First Busey Corporation, Urbana, Illinois, to acquire 100 percent 

of the voting shares of First Capital Bankshares, Inc., Peoria, 

Illinois, and thereby indirectly acquire First Capital Bank, 

Peoria, Illinois, and Community Bank of Lemont, Lemont, 

Illinois.*

Fed Reg – 04/22/2004

Newspaper – 05/03/2004
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC Notice by Thomas M. Johannesen, Elgin, Illinois, Claire C. 

Johannesen, Elgin, Illinois, Mary Johannesen-Schmidt, Palatine, 

Illinois, Timothy P. Schmidt, Palatine, Illinois, Kathleen E. 

Tomei, Lake Bluff, Illinois, Richard Tomei, Lake Bluff, Illinois, 

Thomas M. Johannesen, Jr., Chicago, Illinois, Jennifer 

Johannesen, Chicago, Illinois, James Johahnnesen, Hinsdale, 

Illinois, Barbara Johannesen, Hinsdale, Illinois, Thomas P. 

Callahan, Houston, Texas, and Fran Callahan, Houston, Texas, 

to retain control of 25.27 percent of the outstanding voting 

shares of First Community Financial Corporation, Elgin, Illinois, 

and thereby indirectly acquire First Community Bank, Elgin, 

Illinois.

Fed Reg – 04/08/2004

Newspaper – 04/08/2004

3(a)(5) Independent Bank Corporation, Ionia, Michigan, to acquire 

through merger North Bancorp, Inc., Gaylord, Michigan and 

thereby indirectly acquire First National Bank of Gaylord, 

Gaylord, Michigan and immediately merge with and into IBC's 

subsidiary, Independent Bank, Bay City, Michigan.*

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notices by Franzen Limited Partnership, Itasca, Illinois; General 

Partner Glenn E. Mensching, Jr., Frankfort, Michigan, as trustee 

of the Glenn E. Mensching Jr. Trust; General Partner Jack E. 

Mensching, Itasca, Illinois, as trustee of the Jack E. Mensching 

Trust, and General Partner James R. Mensching, Itasca, Illinois, 

as trustee of the James R. Mensching Trust, Itasca, Illinois, to 

retain 32.88 percent of the outstanding voting shares of Itasca 

Bancorp, Inc., Itasca, Illinois, and thereby indirectly acquire 

Itasca Bank & Trust Co., Itasca, Illinois.

Fed Reg – 04/21/2004

Newspaper – 04/25/2004

CIC Notice by Marantz Investments, L.P., Springfield, Illinois, with 

Tom E. Marantz, Springfield, Illinois, to retain 18.55 percent of 

the common shares outstanding of Spring Bancorp, 

Inc.,Springfield, Illinois, and thereby to control Bank of 

Springfield, Springfield, Illinois, and Bank of Jacksonville, 

Jacksonville, Illinois.

Fed Reg – 05/03/2004

Newspaper – N/Avail

CIC Notice by Marantz Investment, L.P., Springfield, Illinois, Tom 

E. Marantz, Springfield, Ilinois, Natalie K. Marantz, Springfield, 

Illinois, Marla J. Marantz, Springfield, Missouri, Melissa J. 

Hayner, Springfield, Illinois, Tom E. Marantz as Trustee for the 

Marla Marantz Trust, Tom E. Marantz as Trustee for the Tom 

Marantz Trust, and Marla J. Marantz as Trustee for the Marla 

Marantz Irrevocable Trust, to retain 33.9 percent of the common 

shares outstanding of Spring Bancorp, Inc., Springfield, Illinois, 

and thereby indirectly control Bank of Springfield, Springfield, 

Illinois, and Bank of Jacksonville, Jacksonville, Illinois.

Fed Reg – 05/03/2004

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 Community Bank (in organization), Austin, Minnesota, 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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, April 17, 2004

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 Mountain Home Bancshares, Inc., Mountain Home, Arkansas, to 

acquire 100 percent of Pocahontas Bankstock, Inc., Pocahontas, 

Arkansas, and thereby indirectly acquire Bank of Pocahontas, 

Pocahontas, Arkansas. (Previously submitted during the week 

ending April 10, 2004.)*

Newspaper – 05/15/2004

Fed Reg – 05/10/2004

CIC Notice by the Ann L. Sharp Trust with J. Baxter Sharp III as 

trustee, both of Brinkley, Arkansas, to retain control of 

Clarendon Holding Company, Clarendon, Arkansas. (Previously 

submitted during the week ending April 3, 2004.)

Newspaper – 05/10/2004

Fed Reg – 04/22/2004

3A3 Farmers Capital Bank Corporation, Frankfort, Kentucky, to 

acquire 100 percent of Citizens Bank (Kentucky), Inc., 

Georgetown, Kentucky.

Newspaper – 05/20/2004

Fed Reg – N/Avail

3A3 Schuyler County Bancshares, Inc., Kirksville, Missouri, to 

acquire 100 percent of La Plata Bancshares, Inc., La Plata, 

Missouri, and thereby indirectly acquire La Plata State Bank, La 

Plata, Missouri.

Newspaper – 05/14/2004

Fed Reg – 05/17/2004

* 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

790150 Bank of Iberia

Iberia, Missouri

01/12/2004 04/16/2004 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, April 17, 2004

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 Notice by Victor Philip Reim, St. Paul, Minnesota; Erick John 

Reim, Vadnais Heights, Minnesota; Ann Reim Woessner, 

Roseville, Minnesota; and Amy Lynn Amundson, Alexandria, 

Minnesota, to gain control of Alliance Financial Services, Inc., 

St. Paul, Minnesota, and thereby indirectly to gain control of 

American Bank, Eau Claire, Wisconsin; American Bank Lake 

City, Lake City, Minnesota; and Alliance Bank, New Ulm, 

Minnesota.

Fed Reg – 04/19/2004

Newspaper – 04/22/2004

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, April 17, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Gold Bank, Leawood, Kansas, to merge with Gold Bank, 

Bradenton, Florida, and incident thereto, to establish several 

branches.

Newspaper – 04/29/2004

Branch Bank of Jackson Hole, Jackson, Wyoming, to establish a branch 

at 140 Highway 89, Alpine, Wyoming.

Newspaper – 04/29/2004

Branch Pinnacle Bank, Papillion, Nebraska, to establish a branch at 

16821 Audrey Street (168th & Harrison Streets), Omaha, 

Nebraska.

Newspaper – 04/15/2004

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

Type Application

Ending date of

comment period

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

Ownership Plan, Fort Morgan, Colorado, to acquire up to 38 

percent of the voting shares of FSB Bancorporation, Inc., Fort 

Morgan, Colorado, parent of Farmers State Bank, Fort Morgan, 

Colorado.

Newspaper – 05/12/2004

Fed Reg – 05/13/2004

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

Investment in 

Bank Premises

First Bank of Turley, Tulsa, Oklahoma, to increase its 

investment in bank premises in the amount of $800,000.

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

227151 Union State Bank

127 S. Summit Street

Arkansas City, Kansas 67005-2624

01/26/2004 04/13/2004 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 17, 2004

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, April 17, 2004

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) BNP Paribas, Paris, France and BancWest Corporation, 

Honolulu, Hawaii, to acquire 100 percent of Community First 

Bankshares, Inc., Fargo, North Dakota, and thereby indirectly 

acquire its subsidiary, Community First National Bank, Fargo, 

North Dakota.* 

Newspaper – 05/12/2004

Fed Reg – 05/14/2004

4(c)(8) Cathay General Bancorp, Los Angeles, California, to acquire up 

to 14.9 percent of Broadway Financial Corporation, Los 

Angeles, California, and thereby indirectly acquire Broadway 

Federal Bank, FSB, Los Angeles, California.*

Newspaper – 05/12/2004

Fed Reg – 05/14/2004

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Security Pacific Bancorp, through its wholly owned subsidiary, 

Network Finance, Inc., both of Ontario, California, to engage in 

mortgage lending activities by acquiring 51 percent of Genuine 

Home Loans, Pasadena, California.

Fed Reg – 05/05/2004
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

4(c)(8) Northrim Bancorp, Inc., Anchorage, Alaska, to engage in 

financial and investment advisory activities, by acquiring 

additional ownership interest of Elliott Cove Capital 

Management, LLC, Seattle, 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

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None