H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 11 

Week Ending March 12, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions March 6, 2005 to March 12, 2005 

Regulations And Policies 

Regulation BB (Community Reinvestment) -- publication for comment of proposed 

interagency revisions to exempt intermediate small banks from certain reporting 

requirements, revise criteria for evaluating lending and community development 

efforts, and make certain clarifying amendments (Docket No. R-1225). 

- Announced, March 11, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority March 6, 2005 to March 12, 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 

Kansas City 

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

Boulevard, Spencer. 

- Withdrawn, March 10, 2005 

Kansas City 

Castle Rock Bank, Castle Rock, Colorado -- to establish a branch at 506 Castle 

Pines Parkway and to increase its investment in bank premises. 

- Approved, March 11, 2005 

Chicago 

Cole Taylor Bank, Rosemont, Illinois -- to establish a branch at 15014 South 

LaGrange Road, Orland Park. 

- Approved, March 11, 2005 

Secretary 

Comerica Bank, Detroit, Michigan -- to establish a branch at 2001 Union Street, 

Suite 300, San Francisco, California. 

- Approved, March 11, 2005 

Atlanta 

Community Bank of West Georgia, Villa Rica, Georgia -- to establish a branch at 

1200 Ernest Barrett Parkway, Kennesaw. 

- Approved, March 10, 2005 

Richmond 

Community First Bank, Lynchburg, Virginia -- to establish a branch at 985 

Independence Boulevard, Bedford. 

- Withdrawn, March 11, 2005 

Richmond 

The First Bank and Trust Company, Lebanon, Virginia -- to establish a branch at 

1880 East Market Street, Harrisonburg. 

- Approved, March 7, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 7 
H.2 Actions under delegated authority March 6, 2005 to March 12, 2005 

Bank Branches, Domestic 

Chicago 

Hinsbrook Bank and Trust, Willowbrook, Illinois -- to establish a branch at 2400 

South Finley Road, Lombard. 

- Approved, March 11, 2005 

San Francisco 

Oak Valley Community Bank, Oakdale, California -- to establish a branch at 20 

Plaza, Patterson. 

- Approved, March 8, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish branches at 6830 Normandy 

Boulevard, Jacksonville, Florida; 11900 Atlantic Boulevard, and 1441 Hutchinson 

Park Drive; and at 1505 County Road 220, Orange Park. 

- Approved, March 10, 2005 

Bank Holding Companies 

Director, BS&R 

Bancshares of Camden, Inc., Camden, Tennessee -- to reatin its investment in BOC 

Reinsurance Company, Ltd., Turks and Caicos Islands. 

- Approved, March 7, 2005 

St. Louis 

Bancshares of Camden, Inc., Camden, Tennessee -- to engage in reinsuring credit 

life, accident, and health insurance through the acquisition of BOC Reinsurance 

Company, Ltd., Crossville. 

- Approved, March 7, 2005 

Chicago 

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

Bancorp Limited II and thereby acquire Bank of Auburn Hills, Auburn Hills, a de 

novo bank; and for Capitol Development Bancorp Limited II to become a bank 

holding company and to acquire 51 percent of the shares of Bank of Auburn Hills. 

- Returned, March 8, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 7 
H.2 Actions under delegated authority March 6, 2005 to March 12, 2005 

Bank Holding Companies 

Chicago 

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

Limited and thereby acquire Fort Collins Commerce Bank, Fort Collins, Colorado, 

a de novo bank; and for Capitol Bancorp Colorado Limited to become a bank 

holding company and to acquire 51 percent of the shares of Fort Collins Commerce 

Bank. 

- Returned, March 11, 2005 

San Francisco 

Cashmere Valley Financial Corporation, Cashmere, Washington -- to become a 

bank holding company and to acquire at least 67 percent of the shares of Cashmere 

Valley Bank. 

- Approved, March 10, 2005 

Cleveland 

CB Financial Services, Inc., Carmichaels, Pennsylvania -- to become a bank 

holding company and to acquire Community Bank, National Association, 

Washington. 

- Withdrawn, March 10, 2005 

Cleveland 

Central Bancshares, Inc., Lexington, Kentucky -- to acquire First Bank, Inc., 

Louisville. 

- Approved, March 9, 2005 

Dallas 

Clovis Bancshares, Inc., Clovis, New Mexico -- to become a bank holding company 

and to acquire The Bank of Clovis. 

- Approved, March 11, 2005 

Atlanta 

Community Bancshares of Mississippi, Inc. Employee Stock Ownership Plan, 

Brandon, Mississippi -- to become a bank holding company and to acquire 58.6 

percent of the shares of Community Bancshares of Mississippi, Inc. and eight 

subsidiary banks in Biloxi, Forest, Indianola, Ellisville, Southhaven, Meridian, 

Amory, and Lucedale. 

- Approved, March 7, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 7 
H.2 Actions under delegated authority March 6, 2005 to March 12, 2005 

Bank Holding Companies 

Philadelphia 

Community Banks, Inc., Harrisburg, Pennsylvania -- to acquire PennRock Financial 

Services, Blue Ball, and thereby acquire Blue Ball National Bank. 

- Approved, March 10, 2005 

Chicago 

First Eagle Bancshares, Inc., Hanover Park, Illinois -- to continue to engage in 

making or extending loans or credit. 

- Approved, March 11, 2005 

St. Louis 

First National Bancorp, Inc., Green Forest, Arkansas -- to acquire 9.9 percent of the 

shares of Legacy National Bank, Springdale, a de novo bank. 

- Approved, March 7, 2005 

Minneapolis 

Flint Creek Holding Company, Philipsburg, Montana -- relief from a commitment. 

- Granted, March 11, 2005 

Chicago 

LeRoy C. Darby, Inc. Employee Stock Ownership Plan, Monona, Iowa -- to acquire 

an additional 11.33 percent, for an aggregate of up to 36 percent, of the shares of 

LeRoy C. Darby, Inc. and thereby acquire Peoples State Bank, Elkader, and Union 

State Bank, Monona. 

- Approved, March 9, 2005 

Chicago 

LeRoy C. Darby, Inc., Monona, Iowa, and LeRoy C. Darby, Inc. Employee Stock 

Ownership Plan -- to acquire PSB Bancshares, Ltd., Postville, and thereby acquire 

Postville State Bank. 

- Approved, March 9, 2005 

Boston 

OceanPoint Financial Partners, MHC, Newport, Rhode Island, and OceanPoint 

Financial Partners, LLC -- to become a mutual bank holding company and a stock 

bank holding company, respectively, and to acquire Bank of Newport. 

- Approved, March 9, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 7 
H.2 Actions under delegated authority March 6, 2005 to March 12, 2005 

Bank Holding Companies 

Philadelphia 

Prudential Mutual Holding Company, Philadelphia, Pennsylvania, and Prudential 

Bancorp, Inc. of Pennsylvania -- to become bank holding companies in connection 

with the reorganization and conversion of Prudential Savings Bank from a state 

chartered mutual savings bank to a state chartered stock savings bank. 

- Approved, March 10, 2005 

Director, BS&R 

Wachovia Corporation, Charlotte, North Carolina -- relief from a commitment. 

- Granted, March 11, 2005 

Bank Mergers 

Richmond 

Farmers & Mechanics Bank, Frederick, Maryland -- to merge with The Fidelity 

Bank, Hagerstown. 

- Approved, March 11, 2005 

Kansas City 

Guaranty Bank and Trust Company, Denver, Colorado -- to merge with First 

National Bank of Strasburg, Strasburg, and establish branches. 

- Approved, March 11, 2005 

St. Louis 

Legacy Bank & Trust Company, Plato, Missouri -- to merge with The Citizens 

Bank of Sparta, Sparta, and to retain the acquired facility as a branch. 

- Approved, March 7, 2005 

Bank Premises 

Richmond 

Farmers Bank, Windsor, Virginia -- to increase its investment in bank premises. 

- Approved, March 11, 2005 

Change In Bank Control 

Minneapolis 

B & M Bancshares, Inc., Fairmont, Minnesota -- change in bank control. 

- Permitted, March 11, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 7 
H.2 Actions under delegated authority March 6, 2005 to March 12, 2005 

Change In Bank Control 

St. Louis 

Clover Leaf Financial Corporation, Edwardsville, Illinois -- change in bank control. 

- Permitted, March 10, 2005 

Chicago 

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

control. 

- Permitted, March 11, 2005 

Secretary 

Transatlantic Bank, Miami, Florida -- to retain control of Transatlantic Bank. 

- Permitted, March 7, 2005 

Competitive Factors Reports 

New York 

Bergen Commercial Bank, Paramus, New Jersey -- report on competitive factors of 

the proposed acquisition of the Glen Rock branch of Rock Community Bank, Little 

Falls. 

- Submitted, March 8, 2005 

Kansas City 

Community National Bank, Chanute, Kansas -- report on competitive factors of the 

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

Wellsville branch of Gardner National Bank, Gardner. 

- Submitted, March 10, 2005 

Atlanta 

National Bank of Commerce, Memphis, Tennessee -- report on competitive factors 

of the proposed merger with NBC Interim Bank, N.A. 

- Submitted, March 10, 2005 

San Francisco 

Panhandle State Bank, Sandpoint, Idaho -- report on competitive factors of the 

proposed merger with Intermountain Savings Bank of Washington, Spokane Valley, 

Washington, a de novo bank. 

- Submitted, March 8, 2005 

(AC) = Addition or Correction Delegated - Page 6 of 7 
H.2 Actions under delegated authority March 6, 2005 to March 12, 2005 

Competitive Factors Reports 

Minneapolis 

U.S. Bank National Association, Cincinnati, Ohio -- report on competitive factors 

of the proposed merger with FBS-First Building Corporation, Wilmington, 

Delaware. 

- Submitted, March 8, 2005 

Extensions Of Time 

Chicago 

National Bancshares, Inc., Bettendorf, Iowa -- extension to July 7, 2005, to acquire 

The National Bank, Edina, Minnesota, a de novo bank. 

- Granted, March 9, 2005 

Financial Holding Companies 

San Francisco 

Cascade Bancorp, Bend, Oregon -- election to become a financial holding company. 

- Effective, March 11, 2005 

Dallas 

First Louisiana Bancshares, Inc., Shreveport, Louisiana -- election to become a 

financial holding company. 

- Effective, March 11, 2005 

Membership 

St. Louis 

Bank of Lincoln County, Elsberry, Missouri -- to become a member of the Federal 

Reserve System. 

- Approved, March 8, 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, March 12, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, March 12, 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

4C8 HSH Nordbank AG, Hamburg, Germany, to engage de novo 

through NY Credit Real Estate Fund, L.P. and New York Credit 

Advisors LLC, a joint venture investment, in extending credit 

and servicing loans and acting as an investment or financial 

advisor.

Newspaper – N/Avail

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, March 12, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

551315 Wilmington Trust of PA 11/01/2004 03/07/2005 O X

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, March 12, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Minster Bank, Minster, OH to establish a branch at 1280 

Experimental Farm Road, Troy, OH.

Newspaper – 03/25/2005

*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, March 12, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Capital Bank, Greenwood, South Carolina, to establish a branch 

at 2123 Highway 81 North, Anderson, South Carolina.*

Newspaper – 03/23/2005

Branch RBC Centura Bank, Rocky Mount, North Carolina, to establish 

a branch at 3350 Braselton Highway, Dacula, Georgia.*

Newspaper – 03/25/2005

*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) SCCB Financial Corp., Columbia, South Carolina, to become 

a bank holding company through the acquisition of 100% of 

the voting shares of The Carolina Community Bank, Columbia, 

South Carolina.*

Fed Reg – 03/28/2005

Newspaper – 04/04/2005

*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 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, March 12, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Capital City Bank, Tallahassee, Florida, to merge with First 

National Bank of Alachua, Alachua, Florida.*

Newspaper – 03/25/2005

18(c) First American Bank, Decatur, Alabama, to merge with First 

Citizens Bank, Talladega, Alabama.*

Newspaper – 04/08/2005

Branch First Gulf Bank, Foley, Alabama, to establish a branch located at 

30500-A State Highway 181, Spanish Fort, Alabama.*

Newspaper – 03/14/2005

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

2795 Chastain Meadows Parkway, Kennesaw, Georgia, to be 

known as the Kennesaw Wal-Mart Money Center Office.*

Newspaper – 03/19/2005

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

1400 Lawrenceville Highway, Lawrenceville, Georgia, to be 

known as the Lawrenceville Commons Wal-Mart Office.*

Newspaper – 03/19/2005

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

2931 McCall Road, Englewood, Florida, to be known as the 

Englewood Wal-Mart Office.*

Newspaper – 03/19/2005

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

1699 N. Woodland Boulevard, DeLand, Florida, to be known as 

the DeLand Wal-Mart Money Center Office.*

Newspaper – 03/18/2005

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

904 Cypress Parkway, Poiniciana Place, Florida, to be known as 

the Poiniciana Place Wal-Mart Office.*

Newspaper – 03/23/2005

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

9570 Southwest Highway 20, Ocala, Florida, to be known as the 

Ocala 1 Wal-Mart Office.*

Newspaper – 03/26/2005

*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) Saladrigas Holdings, LP, Coral Gables, Florida, to become a 

bank holding company by acquiring 12 percent of the 

outstanding shares of Premier American Bank, Miami, Florida.*

Newspaper – 03/30/2005

Fed Reg – 03/28/2005

CIC South Banking Company, Alma, Georgia, after-the-fact change 

in control notice filed by Olivia Lawrence Bennett as executor 

and beneficiary of the Estate of Valene Bennett; Bennett Family 

Limited Partnership, Olivia L. Bennett, general partner; 

Lawrence R. Bennett; Paul Thomas Bennett; Olivia Louise 

Bennett; Thomas Valene Bennett; Holly Jones Bennett; John V. 

Bennett; Harry Keith Bennett, Jr.; Lillian Purcell Johnson; Holly 

Bennett Porter; Carolyn Joyce Bennett; all of Alma, Georgia, to 

retain 59.60 percent of the outstanding shares of South Banking 

Company, Alma, Georgia, and its subsidiaries, Alma Exchange 

Bank, Alma, Georgia; Peoples State Bank and Trust Company, 

Baxley, Georgia; Citizens State Bank, Kingsland, Georgia; and 

Pineland State Bank, Metter, Georgia.

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(5) Capital City Bank Group, Inc., Tallahassee, Florida, Capital City 

Bank Group, Inc., Tallahassee, Florida, to merge with First 

Alachua Banking Corporation, and its subsidiary, First National 

Bank of Alachua, both of Alachua, Florida.*

Newspaper – 03/25/2005

Fed Reg – 04/04/2005

CIC Financial Corporation of Louisiana, Crowley, Louisiana, prior 

change in control notice filed by Financial Corporation of 

Louisiana Employee Stock Ownership Plan and Argent Trust, a 

division of National Independent Trust Company Trustee, to

acquire 1.90 percent of the outstanding shares of Financial

Corporation of Louisiana, Crowley, Louisiana, and its

subsidiaries, First National Bank of Louisiana, Crowley,

Louisiana, and Rayne State Bank & Trust Company, Rayne, 

Louisiana.

Newspaper – 10/25/2004

Fed Reg – 03/25/2005

CIC First Farmers Bancshares, Inc., Portland, Tennessee, prior 

change in control notice filed by Douglas Williams and Zella 

Irene Williams, both of Portland, Tennessee, to acquire an

additional 0.65 percent of the outstanding shares of First

Farmers Bancshares, Inc., and its subsidiary, Farmers Bank, both 

of Portland, Tennessee. Total ownership will equal 10.29

percent.

Newspaper – 03/20/2005

Fed Reg – 03/24/2005

3(a)(1) Jones County Bancshares, Inc., Laurel, Mississippi, to become a 

bank holding company by acquiring 100 percent of the

outstanding shares of Bank of Jones County, Laurel,

Mississippi.*

Newspaper – N/Avail

Fed Reg – N/Avail

*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, March 12, 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) & 3(a)(1) Capitol Bancorp, Ltd., Lansing, Michigan, to acquire 51 

percent of the voting shares of Capitol Development 

Bancorp Limited II, Lansing, Michigan, and thereby 

indirectly acquire Bank of Bellevue (in organization), 

Bellevue, Washington, and by Capitol Development 

Bancorp Limited II, Lansing, Michigan, to become a bank 

holding company by acquiring 51 percent of the voting 

shares of Bank of Bellevue (in organization), Bellevue, 

Washington.*

Fed Reg – N/Avail

Newspaper – N/Avail

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

approximately 22.07 percent of the voting shares of Central 

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

thereby indirectly acquire Bank of Wausau, Wausau, Wisconsin.

Fed Reg – 02/22/2005

Newspaper – N/Avail

CIC Notice by Jeffrey Dinklage, Wisner, Nebraska, to increase 

ownership of D & H Investments Corporation, Cherokee, Iowa, 

to 27.14 percent following the repurchase of 1,000 shares

Fed Reg – 03/22/2005

Newspaper – N/Avail

3(a)(3) Great River Financial Group, Inc., Burlington, Iowa, to acquire 

100 percent of Two Rivers Bank and Trust (in organization), 

Johnston, Iowa.*

Fed Reg – 03/28/2005

Newspaper – N/Avail

3(a)(1) & 4(c)(8) iTeam Companies, Inc., Brookfield, Wisconsin, to become a 

bank holding company by acquiring 100 percent of the voting 

shares of Bank of Kenney, Kenney, Illinois, and to engage in 

data processing activities through its subsidiary, iStream 

Companies, Inc., Brookfield, Wisconsin.*

Fed Reg – N/Avail

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

Type Application

Ending date of

comment period

CIC Notice by Everett D. Lawrence, Marshall, Illinois, acting in 

concert with Lawrence Gravel, Phyllis Lawrence, and Kim 

Schmidt, to retain control of the voting stock of Preferred 

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

Preferred Bank, Casey, Illinois.

Fed Reg – 03/24/2005

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

3(a)(1) Notice CNB Community Bancorp, Inc., Hillsdale, Michigan, to become 

a bank holding company by acquiring 100 percent of Hillsdale 

County National Bank, Hillsdale, Michigan.

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

15536 Pullman Bank and Trust Company

1000 E. 111th Street

Chicago, Illinois 60628-4697

(773) 602-8200

10/25/2004 03/01/2005 O X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, March 12, 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

3A1 Fayette Bancorp, Inc., Hickory Valley, Tennessee, to become a 

bank holding by acquiring at least 50 percent of Mason Bancorp, 

Inc., Hickory Valley, Tennessee, and thereby indirectly acquire 

The Bank of Mason, Mason, Tennessee.*

Newspaper – 04/10/2005

Fed Reg – 04/11/2005

3A1 Mason Bancorp, Inc., Hickory Valley, Tennessee, to become a 

bank holding company by acquiring 100 percent of The Bank of 

Mason, Mason, Tennessee.*

Newspaper – 04/10/2005

Fed Reg – 04/11/2005

3A5 Home Bancshares, Inc., Conway, Arkansas, to merge with 

Marine Bancorp, Inc., Marathon, Florida, and thereby indirectly 

acquire Marine Bank of the Florida Keys, Marathon, Florida.*

Newspaper – 04/15/2005

Fed Reg – 04/11/2005

3A3 Exchange National Bancshares, Inc., Jefferson City, Missouri, to 

acquire 100 percent of Bank 10, Belton, Missouri. (Previously 

submitted during the week ending March 5, 2005.)*

Newspaper – 04/04/2005

Fed Reg – 04/01/2005

* 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

4c8 Perry County Bancorp, Inc., DuQuoin, Illinois, to acquire 100 

percent of DQSB Financial Services, Inc., DuQuoin, Illinois, 

and thereby engage in securities brokerage and advisory services 

activities.

Fed Reg – 03/29/2005
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

Membership Bank of Lincoln County, Elsberry, Missouri, 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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, March 12, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, March 12, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Butte State Bank, Butte, Nebraska, to establish a branch at 425 

Hillcrest Boulevard, Spencer, Nebraska.

Newspaper – 03/19/2005

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

Type Application

Ending date of

comment period

3(a)(1) BOTS, Inc., Topeka, Kansas, to become a bank holding 

company through the acquisition of 100 percent of the voting 

shares of VisionBank, Topeka, Kansas (in organization).

Newspaper – N/Avail

Fed Reg – 04/04/2005

CIC Notification by Daniel Buford, Stephen Buford, Sam Buford, 

Ernest Dillard, Sheila Dillard, Aaron Dillard, and Hannah 

Dillard, all of Tulsa, Oklahoma; Sharon Linsenmeyer, Beatrice, 

Nebraska; and Sarah Dillard, Tampa, Florida, to acquire control 

of Healthcare Bancorp, Inc., parent of First BankCentre, both of 

Broken Arrow, Oklahoma.

Newspaper – N/Avail

Fed Reg – 03/25/2005

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

control of Boynton Holding Company, parent of Territory Bank, 

both in Muskogee, Oklahoma.

Newspaper – 02/22/2005

Fed Reg – 02/22/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

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 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, March 12, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

498456 First State Bank

101 W San Saba Street

Menard, Texas 76859

11/01/2004 03/12/2005 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, March 12, 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) FNB Bancorp, South San Francisco, California, to acquire 100 

percent of Sequoia National Bank, San Francisco, California.*

Newspaper – 03/24/2005

Fed Reg – 04/04/2005

* 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