H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 14 

Week Ending April 2, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions March 27, 2005 to April 2, 2005 

Bank Holding Companies 

Banco Bilbao Vizcaya Argentaria, S.A., Bilbao, Spain -- to acquire Laredo National 

Bancshares, Inc., Laredo, Texas; Laredo National Bancshares of Delaware, Inc., 

Wilmington, Delaware; The Laredo National Bank, Laredo, and South Texas 

National Bank of Laredo. 

- Approved, March 30, 2005 

Enforcement 

Eagle National Holding Company, Doral, Florida -- issuance of a cease and desist 

order. 

- Announced, March 31, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority March 27, 2005 to April 2, 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 

Atlanta 

Bank Independent, Sheffield, Alabama -- to establish a branch at 112 North Marion 

Street, Athens. 

- Approved, March 31, 2005 

St. Louis 

The Callaway Bank, Fulton, Missouri -- to establish a branch at 2202 North Bluff. 

- Approved, March 30, 2005 

Cleveland 

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 1923 Dorothy Lane, 

Moraine. 

- Approved, March 31, 2005 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 3443 East 

State Road 32, Westfield, Indiana. 

- Approved, March 31, 2005 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 3360 

Tittabawasse Road, Saginaw. 

- Approved, March 31, 2005 

Kansas City 

First Bank of Medicine Lodge, Medicine Lodge, Kansas -- to relocate its main 

office to 7401 West 135th Street, Overland Park, and to establish a branch at 120 

East Kansas, Medicine Lodge. 

- Approved, March 29, 2005 

Cleveland 

Minster Bank, Minster, Ohio -- to establish a branch at 1280 Experimental Farm 

Road, Troy. 

- Approved, April 1, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 6 
H.2 Actions under delegated authority March 27, 2005 to April 2, 2005 

Bank Branches, Domestic 

Atlanta 

The Peoples Bank and Trust Company, Selma, Alabama -- to establish branches at 

401 19th Street North, Bessemer; 1784 Taliaferro Trail, Montgomery; 7167 

Highway 22 North, Valley Grande; and Two Perimeter Park South, Birmingham. 

- Approved, March 31, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 904 Cypress Parkway, 

Poinciana Place, Florida. 

- Approved, March 29, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 9570 Southwest 

Highway 20, Ocala, Florida. 

- Approved, March 31, 2005 

Philadelphia 

Woodlands Bank, Williamsport, Pennsylvania -- to establish a branch at 1146 

Allegheny Street, Jersey Shore. 

- Approved, March 30, 2005 

Bank Holding Companies 

Boston 

BankFive, MHC, Fall River, Massachusetts, and BankFive Corporation -- to 

become a mutual bank holding company and a stock bank holding company, 

respectively, and to acquire Fall River Five Cents Savings Bank. 

- Approved, March 28, 2005 

Chicago 

Community State Bank Employee Stock Ownership Plan and Trust, Union Grove, 

Wisconsin -- to increase its ownership up to 33.24 percent of the shares of Union 

Bancorporation, and thereby acquire Community State Bank. 

- Approved, March 31, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 6 
H.2 Actions under delegated authority March 27, 2005 to April 2, 2005 

Bank Holding Companies 

Minneapolis 

Freedom Bancorporation, Columbia Falls, Montana -- to become a bank holding 

company and to acquire Freedom Bank, a de novo bank. 

- Approved, March 28, 2005 

Atlanta 

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

holding company and to acquire Hometown Community Bank of Georgia, a de 

novo bank. 

- Withdrawn, March 28, 2005 

Chicago 

Independent Alliance Banks, Inc., Fort Wayne, Indiana -- to become a bank holding 

company and to acquire Grabill Bancorp, Grabill, and Grabill Bank; and Marbanc 

Financial Corporation, Markle, and MarkleBank. 

- Approved, March 29, 2005 

Director, BS&R 

Klein Financial, Inc., Chaska, Minnesota, and Preferred Bank, Big Lake -- request 

for an exemption from section 23A of the Federal Reserve Act. 

- Granted, April 1, 2005 

St. Louis 

Perry County Bancorp, Inc., DuQuoin, Illinois -- to acquire DQSB Financial 

Services, Inc., and thereby engage in securities brokerage and advisory services 

activities. 

- Approved, April 1, 2005 

Atlanta 

Saladrigas Holdings, LP, Miami, Florida -- to become a bank holding company and 

to acquire 12 percent of the shares of Premier American Bank. 

- Withdrawn, March 29, 2005 

Atlanta 

Security Bank Corporation, Macon, Georgia -- to acquire SouthBank, Woodstock. 

- Withdrawn, March 30, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 6 
H.2 Actions under delegated authority March 27, 2005 to April 2, 2005 

Bank Holding Companies 

Cleveland 

Sky Financial Group, Inc., Bowling Green, Ohio -- to acquire Belmont Bancorp, 

Inc., Bridgeport, and to merge its subsidiary, Sky Bank, Salineville, with Belmont 

Bancorp's subsidiary, Belmont National Bank, Wheeling, West Virginia, and 

thereby establish branches. 

- Approved, March 31, 2005 

Richmond 

Southern National Bancorp of Virginia, Inc., Charlottesville, Virginia -- to become 

a bank holding company and to acquire Sonabank, N.A., a de novo bank. 

- Approved, March 30, 2005 

Cleveland 

SSNB, Inc., Lancaster, Ohio -- to become a bank holding company and to acquire 

Standing Stone National Bank. 

- Approved, April 1, 2005 

Kansas City 

Sundance State Bank Profit Sharing and Employee Stock Ownership Plan and 

Trust, Sundance, Wyoming -- to acquire additional shares up to 26.06 percent of 

Sundance Bankshares, Inc., parent of Sundance State Bank. 

- Approved, March 30, 2005 

Change In Bank Control 

Chicago 

D&H Investments Corp., Cherokee, Iowa -- change in bank control. 

- Permitted, April 1, 2005 

St. Louis 

First Community Bancshares, Inc., Batesville, Arkansas -- change in bank control. 

- Withdrawn, March 28, 2005 

St. Louis 

Southwest Missouri Bancshares, Inc., Ozark, Missouri -- change in bank control. 

- Permitted, March 28, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 6 
H.2 Actions under delegated authority March 27, 2005 to April 2, 2005 

Competitive Factors Reports 

Minneapolis 

Citizens Community Federal, Altoona, Wisconsin -- report on competitive factors of 

the proposed acquisition and merger with Community Plus Savings Bank, 

Rochester Hills, Michigan. 

- Submitted, March 29, 2005 

Secretary 

Independent Bank South Michigan, Leslie, Michigan -- report on competitive 

factors of the proposed acquisition of the Portland branch of Independent Bank, Bay 

City. 

- Submitted, April 1, 2005 

Secretary 

Independent Bank West Michigan, Rockford, Michigan -- report on competitive 

factors of the proposed acquisition of the Ionia, Belding, Saranac, Lyons, and 

Carson City branches of Independent Bank, Bay City. 

- Submitted, April 1, 2005 

New York 

Marathon National Bank of New York, Astoria, New York -- report on competitive 

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

liabilities of Ocwen Federal Bank, FSB, Fort Lee, New Jersey. 

- Submitted, March 31, 2005 

San Francisco 

Savings Bank of Mendocino County, Ukiah, California -- report on competitive 

factors of the proposed acquisition of the North Lakeport branch of Westamerica 

Bank, San Rafael. 

- Submitted, March 28, 2005 

Extensions Of Time 

Kansas City 

Citizens Bancshares, Inc., ESOP, Edmond, Oklahoma -- extension to June 30, 2005, 

to acquire up to 40 percent of the shares of Citizens Bancshares, Inc. 

- Granted, March 30, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 6 
H.2 Actions under delegated authority March 27, 2005 to April 2, 2005 

Extensions Of Time 

Kansas City 

Davis Bancorporation, Inc., Davis, Oklahoma -- extension to July 9, 2005, to 

acquire shares of Century Capital Financial, Inc., Kilgore, Texas, and its 

subsidiaries, Century Capital Financial-Delaware, Inc., Wilmington, Delaware, and 

City National Bank, Kilgore. 

- Granted, March 31, 2005 

Kansas City 

First Centralia Bancshares, Inc., Centralia, Kansas -- extension to July 9, 2005, to 

acquire, directly and indirectly, shares of Century Capital Financial, Inc., Kilgore, 

Texas, and its subsidiaries, Century Capital Financial-Delaware, Inc., Wilmington, 

Delaware, and City National Bank, Kilgore. 

- Granted, March 31, 2005 

Atlanta 

Georgia Trust Bancshares, Inc., Buford, Georgia -- extension to June 30, 2005, to 

become a bank holding company and to acquire Georgia Trust Bank, a de novo 

bank. 

- Granted, March 29, 2005 

Kansas City 

Morrill Bancshares, Inc., Merriam, Kansas -- extension to July 9, 2005, to acquire 

shares of Century Capital Financial, Inc., Kilgore, Texas, and its subsidiaries, 

Century Capital Financial-Delaware, Inc., Wilmington, Delaware, and City National 

Bank, Kilgore. 

- Granted, March 31, 2005 

Atlanta 

Terrace Bank, Tampa, Florida -- extension to April 2, 2006, to establish a branch at 

12401 West Linebaugh Avenue. 

- Granted, March 31, 2005 

Financial Holding Companies 

Atlanta 

Privee Financial, Inc., Miami, Florida, Privee LLC, and Remo DuQuoin LLC --

elections to become financial holding companies. 

- Effective, April 1, 2005 

(AC) = Addition or Correction Delegated - Page 6 of 6 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, April 2, 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, April 2, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

Panama, to establish a representative office in Miami, Florida.

Newspaper – N/Avail

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

representative office in New York, New York.

Newspaper – N/Avail

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

representative office in Miami, Florida.

Newspaper – N/Avail

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

66015 BPD BK, New York, NY 09/27/2004 03/28/2005 O X

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 2, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Pocono Community Bank, Stroudsburg, PA, to establish a 

branch facility to be located at Route 209, Brodheadsville, 

Monroe County, PA.

Newspaper – 04/10/2005

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

Type Application

Ending date of

comment period

3(a)(3) Penn Bancshares, Inc., Pennsville, NJ, to purchase 19.9% 

of the voting shares of Harvest Community Bank, 

Pennsville, NJ

Newspaper – N/Avail

Fed Reg – N/Avail

Section III – Applications subject to Fede ral Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

189419 Susquehanna Patriot Bank, Marlton, 

New Jersey

10/12/2004 03/28/2005 O X

Section VI – CRA examinations scheduled for 2

nd Quarter of 2005

Institution Location

Community Bank

New Tripoli Bank

Pennsylvania State Bank

Clarks Summit, PA

New Tripoli, PA

Camp Hill, PA
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, April 2, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

1529 Waukegan Rd., Glenview, Il.

Newspaper – 04/06/2005

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 5342 

North Hamilton Road, Columbus, OH

Newspaper – N/Avail

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

& *Branch

Application by The State Bank and Trust Company, Defiance, 

OH to acquire two branch offices located in Lima, OH of 

Liberty Savings Bank, FSB, Wilmington, OH 

Newspaper – 04/28/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

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

& *Branch

Community Trust Bancorp, Inc., Pikeville, KY, to acquire 

Heritage Community Bank, Dansville, KY

Newspaper – 05/06/2005

Fed Reg – N/Avail

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

American State Corporation and its wholly-owned subsidiary 

American State Bank, both of Lawrenceburg, IN

Newspaper – N/Avail

Fed Reg – 04/07/2005

*Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, April 2, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of the Commonwealth, Norfolk, Virginia, to establish 

a branch at 4317 Pretty Lake Avenue, Norfolk, Virginia.*

Newspaper – 04/14/2005

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(3) Premier Community Bankshares, Inc., Winchester, Virginia, 

to acquire 100% of the voting shares of Premier Bank, Inc., 

Martinsburg, Virginia (an organizing bank).*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(3) Bank of America Corporation, Charlotte, North Carolina, to 

acquire Bank of America Rhode Island, N. A., Providence, 

Rhode Island.*

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notice of Change in Control filed by Mr. William Gossett to 

retain 11.38% of the voting shares of Island Bancorp, Beaufort, 

South Carolina.*

Fed Reg – 04/20/2005

Newspaper – 04/20/2005

*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

3(a)(1) CB Financial Corporation, Wilson, North Carolina, to become 

a bank holding company through the acquisition of 100% of 

the voting shares of Cornerstone Bank, Wilson, North Carolina.

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

3198421 Bank of Virginia

11730 Hull Street Road

Midlothian, Virginia 23112

01/24/2005 03/30/2005 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, April 2, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Rivoli Bank & Trust, Macon, Georgia, to establish a branch 

located at 222 West Poplar Street, Griffin, Georgia.*

Newspaper – 04/03/2005

*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

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

StateMember

Bank Other

SunTrust Bank, Atlanta, Georgia, request for approval to make 

an additional investment in community development project.
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

2735913 The Peachtree Bank

9570 Medlock Bridge Road

Duluth, Georgia 30097

(770) 814-8100

10/04/2004 03/27/2005 S X

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 2, 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 100 

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 – 04/12/2005

Newspaper – 03/30/2005

3(a)(3) & 3(a)(1) Capitol Bancorp, Ltd., Lansing, Michigan, to acquire 100 

percent of the voting shares of Capitol Bancorp Colorado 

Limited, Lansing, Michigan, and thereby indirectly acquire Fort 

Collins Commerce Bank (in organization), Fort Collins, 

Colorado, and by Capitol Bancorp Colorado Limited, Lansing, 

Michigan, to become a bank holding company by acquiring 51 

percent of the voting shares of Fort Collins Commerce Bank (in 

organization), Fort Collins, Colorado.*

Fed Reg – 04/26/2005

Newspaper – N/Avail

CIC Notice by the Hansen family (Jutta Hansen, DeWitt, Iowa; Chris 

F. Hansen, Jr. Trust, DeWitt, Iowa; Pamela A. Swahn IRA, 

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

California; Anne H. Fergus, Whitefish Bay, Wisconsin; Melanie 

K. Boosalis, Long Grove, Iowa; and Chris Hansen III, Grand 

Mound, Iowa) to acquire control of 30.66 percent of the 

common stock of DeWitt Bancorp, Inc., DeWitt, Iowa, and 

thereby indirectly DeWitt Bank and Trust Company, DeWitt, 

Iowa.

Fed Reg – 04/20/2005

Newspaper – N/Avail

3(a)(1) Edgebrook Bancorp, Inc., Chicago, Illinois, to become a bank 

holding company by acquiring 100 percent of the voting shares 

of Edgebrook Bank (in organization), Chicago, Illinois.*

Fed Reg – 04/15/2005

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

Type Application

Ending date of

comment period

3(a)(3) Mainsource Financial Group, Inc., Greensburg, Indiana, to 

acquire 100 percent of the voting shares of Madison Bank & 

Trust Company, Madison, Indiana.*

Fed Reg – N/Avail

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) First Suburban Bancorp Corporation, Maywood, Illinois, 

proposes to acquire 100 percent of Water Street Capital Markets 

LLC, Glendale Heights, Illinois, and thereby to engage in 

financial and investment advisory activities and securities 

brokerage activities.

Fed Reg – N/Avail

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.
Section V – Availability of CRA public evaluations

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, April 2, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

facility to be located at 3201 McClelland Boulevard, Joplin, 

Missouri.*

Newspaper – 04/07/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3A1 Evolve Financial Group, Inc., Memphis, Tennessee, to become a 

bank holding company by acquiring 100 percent of Parkin 

Bancorp, Inc., Parkin, Arkansas, and thereby indirectly acquire 

First State Bank, Parkin, Arkansas. (Previously submitted 

during the week ending March 26, 2005.)*

Newspaper – 04/28/2005

Fed Reg – 04/25/2005

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, April 2, 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) Choice Financial Holdings, Inc., Grafton, North Dakota, to 

acquire 85 percent of Peoples State Bank of Comfrey, Comfrey, 

Minnesota.*

Fed Reg – 04/15/2005

Newspaper – 04/15/2005

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

bank holding company by acquiring 100 percent of the First 

National Bank of Milaca, Milaca, Minnesota.*

Fed Reg – 04/21/2005

Newspaper – N/Avail

3(a)(5) Deerwood Bancshares, Inc., Deerwood, Minnesota, to acquire 

100 percent of Northome Bancshares, Inc., Northome, 

Minnesota, and thereby indirectly acquire Northland Community 

Bank, Northome, Minnesota.*

Fed Reg – 04/22/2005

Newspaper – N/Avail

* 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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, April 2, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) The Citizens-Farmers Bank of Cole Camp, Cole Camp, 

Missouri, to purchase certain assets and assume certain liabilities 

of the Stover, Missouri branch of Concordia Bank, Concordia, 

Missouri, and incident thereto, to establish a branch.

Newspaper – 04/18/2005

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

Type Application

Ending date of

comment period

CIC Notification by Robert E. Mickey, Jr., Holden, Missouri, 

individually and as trustee of the Marilyn Mickey Clay 2005 

Irrevocable Trust, to acquire control of F&C Bancorp, Inc., 

parent of Farmers and Commercial Bank, both in Holden, 

Missouri.

Newspaper – 04/13/2005

Fed Reg – 04/08/2005

CIC Notification by Joel H. Wiens, Cheyenne, Wyoming, to acquire 

control of Union Bank Corporation, parent of Union State Bank, 

both of Upton, Wyoming.

Newspaper – N/Avail

Fed Reg – 04/18/2005

CIC Notification by Stephen Sherlock, Lamar, Colorado, individually 

and as trustee for Colorado East Bank & Trust Employee Stock 

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

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

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

Trust, Lamar, Colorado.

Newspaper – N/Avail

Fed Reg – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, April 2, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(5) Independent Bank Group Central Texas, Inc., McKinney, Texas, 

and CTB Holdings Delaware, Inc., Wilmington, Delaware, to 

merge with First FSB Bancshares, Inc., Mount Calm, Texas, and 

indirectly acquire First State Bank, Italy, Texas, and First State 

Bank, Mount Calm, Texas.

Fed Reg – 04/25/2005

Newspaper – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, April 2, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

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

bank holding company by acquiring 100 percent of Innovative 

Bancorp and its wholly-owned subsidiary, Innovative Bank, 

both of Oakland, California.*

Newspaper – N/Avail

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

3(a)(5)(C) NNB Holdings, Inc., Reno, Nevada, to become a bank holding 

company by acquiring at least 67 percent of Northern Nevada 

Bank, Reno, Nevada.

3(a)(5)(C) Uniti Financial Corporation, Buena Park, California, to become 

a bank holding company by acquiring Uniti Bank, Buena Park, 

California. Also, elects to become a financial holding company.
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