Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 33 

Week Ending August 17, 2002 

Board of Governors of the Federal Reserve System, Washington, DC 20551
 
H.2 Board Actions August 11, 2002 to August 17, 2002 

Forms 

Foreign Banking Organization Reports -- initial review of proposals to extend with 

revision the Annual Report of Foreign Banking Organizations (FR Y-7) and to 

implement the Capital and Asset Report for Foreign Banking Organizations (FR Y7Q), Financial Statements of U.S. Nonbank Subsidiaries Held by Foreign Banking 

Organizations (FR Y-7N), and Abbreviated Financial Statements of U.S. Nonbank 

Subsidiaries Held by Foreign Banking Organizations (FR Y-7NS). 

- Proposed, August 12, 2002 

U.S. Banking Organization Reports -- initial review of proposals to extend with 

revision the Quarterly Financial Statements of Nonbank Subsidiaries of Bank 

Holding Companies (FR Y-11Q), Report of Condition for Foreign Subsidiaries of 

U.S. Banking Organizations (FR 2314a), and Financial Information for Foreign 

Subsidiaries of U.S. Banking Organizations (FR 2314c), which would be changed to 

Abbreviated Financial Statements of Foreign Subsidiaries of U.S. Banking 

Organizations (FR 2314S); to discontinue the Annual Financial Statements of 

Nonbank Subsidiaries of Bank Holding Companies (FR Y-11I) by replacing it with 

Abbreviated Financial Statements of U.S. Nonbank Subsidiaries of U.S. Bank 

Holding Companies (FR Y-11S); and to discontinue the Report of Condition for 

Foreign Subsidiaries of U.S. Banking Organizations (FR 2314b). 

- Proposed, August 12, 2002 

Regulations And Policies 

Policy Statement on Payments System Risk -- decision not to pursue two proposed 

policy options that would lower self-assessed net debit caps and eliminate two-week 

average caps, and reject all payments with settlement-day finality that would cause 

an institution to exceed its daylight overdraft capacity level (Docket No. R-1111). 

- Approved, August 14, 2002 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority August 11, 2002 to August 17, 2002 

BS&R 

C&CA 

FOMC 

Banking Supervision and Regulation 

Consumer and Community Affairs 

Federal Open Market Committee 

RBOPS 

IF 

OSDM 

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

Bank Branches, Domestic 

Atlanta 

Colonial Bank, Montgomery, Alabama -- to establish a branch at 15285 Collier 

Boulevard, Naples, Florida. 

- Approved, August 15, 2002 

Cleveland 

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at Center Street, Chardon, and 

branches at 1076 and 1068 High Street, Wadsworth. 

- Approved, August 14, 2002 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 134 West Michigan 

Street, Jackson. 

- Approved, August 13, 2002 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 5217 Harvey 

Street, Norton Shores. 

- Approved, August 14, 2002 

Kansas City 

First United Bank, Englewood, Colorado -- to establish a branch in the 100 block of 

South Wilcox Street, Castle Rock. 

- Approved, August 16, 2002 

Kansas City 

Pleasanton State Bank, Pleasanton, Nebraska -- to establish a branch at 6005 Second 

Avenue West, Kearney. 

- Approved, August 16, 2002 

Atlanta 

Regions Bank, Birmingham, Alabama -- to establish a branch at 921 South Range 

Avenue, Denham Springs, Louisiana. 

- Approved, August 16, 2002 

(AC) = Addition or Correction Delegated - Page 1 of 6 
H.2 Actions under delegated authority August 11, 2002 to August 17, 2002 

Bank Holding Companies 

New York 

Barclays PLC, London, England, and Barclays Bank PLC -- to engage, directly and 

through Identrus, LLC, New York, New York, in data processing and data transmission 

activities. 

- Approved, August 15, 2002 

New York 

Bayerische Hypo- und Vereinsbank AG, Munich, Germany -- to engage, directly and 

through Identrus, LLC, New York, New York, in data processing and data transmission 

activities. 

- Approved, August 15, 2002 

Kansas City 

BOK Financial Corporation, Tulsa, Oklahoma -- to acquire TW Interim National Bank, 

Houston, Texas, and Bank of Tanglewood, National Association. 

- Approved, August 15, 2002 

Richmond 

Community First Financial Corporation, Lynchburg, Virginia -- to acquire an interest in 

Highlands Community Bank, Covington, a de novo bank. 

- Approved, August 13, 2002 

Dallas 

CU Delaware Financial Corporation, Dover, Delaware -- to become a subsidiary holding 

company of CU Bank Shares, Inc., Farmers Branch, Texas, through the acquisition of 

Town North Bank, National Association. 

- Registration granted, August 14, 2002 

Kansas City 

First York Ban Corp., York, Nebraska -- to increase its investment in NebraskaLand 

Financial Services, Inc., North Platte. 

- Approved, August 15, 2002 

Chicago 

Goodenow Bancorporation, Okoboji, Iowa -- to engage de novo in extending credit and 

servicing loans. 

- Approved, August 12, 2002 

(AC) = Addition or Correction Delegated - Page 2 of 6 
H.2 Actions under delegated authority August 11, 2002 to August 17, 2002 

Bank Holding Companies 

Chicago 

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to acquire Mississippi Valley 

Bancshares, Inc., St. Louis, Missouri, and thereby acquire Southwest Bank of St. Louis; 

Southwest Bank, Belleville, Illinois; and Southwest Bank of Phoenix, Phoenix, Arizona, 

and their nonbanking subsidiaries. 

- Approved, August 13, 2002 

Atlanta 

N W Services Corporation, Ringgold, Georgia -- to acquire The Bank of Sharon, 

Sharon, Tennessee. 

- Returned, August 13, 2002 

Secretary 

The Royal Bank of Scotland Group plc, Edinburgh, Scotland -- to engage through 

Identrus LLC, New York, New York, in data processing and data transmission activities. 

- Approved, August 14, 2002 

San Francisco 

Security Pacific Bancorp, Ontario, California -- to engage in nonbanking activities through 

the formation of Security Pacific Finance Company. 

- Approved, August 15, 2002 

Richmond 

United Financial, Inc., Graham, North Carolina -- to become a bank holding company 

through the acquisition of Alamance National Bank. 

- Approved, August 13, 2002 

Banks, Foreign 

Director, BS&R 

Banca di Roma, S.p.A., Rome, Italy -- to establish branches in New York, New York, 

and Chicago, Illinois, and an agency in San Francisco, California. 

- Approved, August 13, 2002 

(AC) = Addition or Correction Delegated - Page 3 of 6 
H.2 Actions under delegated authority August 11, 2002 to August 17, 2002 

Banks, State Member 

New York 

The Bank of New York, New York, New York -- for BNY Mortgage Company LLC 

and Stanwich Insurance Agency, Inc. to acquire interests in Hamilton Land Services 

LLC, Commack. 

- Withdrawn, August 15, 2002 

Change In Bank Control 

Boston 

Mystic Financial, Inc., Medford, Massachusetts -- change in bank control. 

- Permitted, August 16, 2002 

Minneapolis 

Western Holding Company of Wolf Point, Wolf Point, Montana -- change in bank 

control. 

- Permitted, August 16, 2002 

Competitive Factors Reports 

Minneapolis 

Alerus Financial, N.A., Grand Forks, North Dakota -- report on competitive factors of 

the proposed purchase of assets and assumption of liabilities of the Fargo branch of BNC 

National Bank, Tempe, Arizona. 

- Submitted, August 12, 2002 

Kansas City 

Bank of Norfolk, Norfolk, Nebraska -- report on competitive factors of the proposed 

merger with Columbus Federal Savings Bank, Columbus. 

- Submitted, August 12, 2002 

Kansas City 

Citizens Bank, N.A., Fort Scott, Kansas -- report on competitive factors of the proposed 

purchase of certain assets and assumption of certain liabilities of the Iola branch of Intrust 

Bank, National Association, Wichita. 

- Submitted, August 13, 2002 

(AC) = Addition or Correction Delegated - Page 4 of 6 
H.2 Actions under delegated authority August 11, 2002 to August 17, 2002 

Competitive Factors Reports 

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 Eureka 

branch of Intrust Bank, National Association, Wichita. 

- Submitted, August 13, 2002 

Kansas City 

First Bank and Trust Company, Cozad, Nebraska -- report on competitive factors of the 

proposed merger with First National Bank of Otis, Otis, Colorado. 

- Submitted, August 12, 2002 

Kansas City 

First National Bank of Yuma, Yuma, Colorado -- report on competitive factors of the 

proposed purchase of certain assets and assumption of certain liabilities of First National 

Bank of Otis, Otis. 

- Submitted, August 13, 2002 

San Francisco 

First National Bank, San Diego, California -- report on competitive factors of the 

proposed merger with Generations Trust Bank, N.A., Long Beach. 

- Submitted, August 12, 2002 

New York 

First Niagara Bank, Lockport, New York -- report on competitive factors of the 

proposed merger with Cortland Savings Bank, Cortland, and Cayuga Bank, Auburn. 

- Submitted, August 16, 2002 

San Francisco 

Household Bank (SB), National Association, Las Vegas, Nevada -- report on 

competitive factors of the proposed purchase of the credit card assets of National Bank 

of the Great Lakes, Elmhurst, Illinois. 

- Submitted, August 12, 2002 

Dallas 

Interstate Bank, SSB, Perryton, Texas -- report on competitive factors of the proposed 

merger with New ISB Bank, SSB. 

- Submitted, August 14, 2002 

(AC) = Addition or Correction Delegated - Page 5 of 6 
H.2 Actions under delegated authority August 11, 2002 to August 17, 2002 

Competitive Factors Reports 

Minneapolis 

Merchants Bank, National Association, La Crescent, Minnesota -- report on competitive 

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

a newly chartered Merchants Bank in connection with the relocation of the main office of 

the existing Merchants Bank, National Association, to Onalaska, Wisconsin. 

- Submitted, August 15, 2002 

Atlanta 

Northwest Georgia Bank, Ringgold, Georgia -- report on competitive factors of the 

proposed merger with The Bank of Sharon, Sharon, Tennessee, as part of a corporate 

reorganization. 

- Submitted, August 14, 2002 

St. Louis 

Planters Bank, Inc., Hopkinsville, Kentucky -- report on competitive factors of the 

proposed merger with City State Bank, Martin, Tennessee. 

- Submitted, August 15, 2002 

Financial Holding Companies 

Chicago 

Ambank Holdings, Inc., Rock Island, Illinois -- election to become a financial holding 

company. 

- Effective, August 14, 2002 

International Operations 

New York 

J.P. Morgan Chase & Co., New York, New York -- to invest, through JPMorgan 

Chase Bank, in its Edge corporation, J.P. Morgan International Inc. 

- Approved, August 15, 2002 

Regulations And Policies 

FOMC

Federal Open Market Committee -- minutes of the meeting of June 25-26, 2002. 

- Published, August 15, 2002 

(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, August 17, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3(a)(1) Bridgewater Financial, MHC, Raynham, Massachusetts - Newspaper - N/Avail 

application to become a bank holding company through the Fed Reg - N/Avail 

acquis ition of Bridgwater Savings Bank, Raynham, 

Massachusetts 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 eva luation 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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, August 17, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18c/Membership Fuji Bank and Trust Company, New York, New York, to merge Newspaper – 09/14/2002 

with The Industrial Bank of Japan Trust Company, New York, 

New York, and to become a state member bank. 

Section II – Applications subject to both newspaper and Fede ral Register notice 

Ending date of 

Type Application comment period 

3a1/3a3/4c8 NSB Holding Corp., and Northfield Holdings Corp., both of Newspaper – N/A 

Staten Island, New York, to acquire Liberty Bank, Avenel, New Fed. Reg. – N/A 

Jersey, through the mergers of Liberty Bank into Nort hfield 

Savings Bank; Liberty Bancorp, Inc. into Northfield Holdings 

Corp. and Liberty Bancorp MHC into NSB Holding Corp.* 

* Subject to the Community Reinvestment Act. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 implemen ted 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Fourth Quarter of 2002 

Institution Location 

Gotham Bank of New York

First State Bank of Canisteo

Alden State Bank

Deutsche Bank Trust Company Americas

Industrial Bank of Japan

Banco Popilat North America

1412 Broadway, New York, New York 10018 

3 Main Street, Canisteo, New York 14823 

13216 Broadway, Alden, New York 14004 

31 West 52nd Street, New York, New York 

1251 Avenue of the Americas, New York, New York 

10020 

400 West North Avenue, Chicago, Illinois 60639 
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, August 17, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 deposit ory 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 regulat ion 

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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Fourth Quarter of 2002 

Institution Location 

Pocono Community Bank Strousburg, PA 

Lebanon Valley Farmers Bank Lebanon, PA 

The inclusion on the list of institutions that a re scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of s cheduling difficulties or other 

circumstances. 
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, August 17, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

*3(a)(1) Application by Deerfield Bancshares, Inc., Clarksburg, OH to Fed Reg – 09/16/2002 

acquire the outstanding voting shares of The Clarks burg Newspaper – N/Avail 

Commercial Bank, Clarksburg, OH. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

Reg. K Prior notice by KRM Holdings, Inc., Albany, NY a direct 

subsidiary of KeyBank and KeyCorp, both of Cleveland, OH to 

invest up to an additional $100 million in KRM Leasing, Ltd., 

Hamilton, Bermuda, a wholl-owned subsidiary. 

Reg. K Prior notice by PNC Bank, N.A., Pittsburgh, PA to acquire 

indirectly through BlackRock Overeas Investment Corporation, 

New York, NY (an indirect edge corporation of PNC Bank, N.A.) 

100 percent of the outstanding voting shares of a de novo foreign 

company, BlackRock Japan Co., Ltd., Tokyo, Japan. 
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 eac h 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 eval uation may be obtained directly from the institution or Reserve Bank. 

The federal bank regulators use the following four 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Fourth Quarter of 2002 

Institution Location 

Iron and Glass Bank

North Side Deposit Bank and Trust Company

The Corn City State Bank

Genoa Banking Company

The Andover Bank

Hocking Valley Bank

1114 East Carson Street, Pittsburgh, PA 15203-1187

4125 Hamilton Avenue, Cincinnati, OH 45223

120 West Main Street, Deshler, OH 43516

801 Main Street, Genoa, OH 43430

19 Public Square, Andover, OH 44004

7 West Stimson, Athens, OH 45701
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, August 17, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Second Bank and Trust, Culpeper, Virginia, to establish a Newspaper - 08/26/2002 

branch at 1807 Seminole Trail, Charlottesville, Virginia.* 

*Subject to the provisions of the Community Reinvestment Act. 

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

Ending date of 

Type Application comment period 

3(a)(3) TransCommunity Bankshares Incorporated, Richmond, Virginia, Fed Reg - N/Avail 

to acquire 100% of the voting shares of Bank of Goochland, Newspaper - 09/09/2002 

National Association, Goochland, Virginia (in orga nization).* 

*Subject to the provisions of the Community Reinvestment Act. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 in stitution'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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

164331 Logan Bank & Trust Company 06/10/2002 08/16/2002 S X 

43 Washington Avenue 

Logan, West Virginia 25601 

Section VI – CRA examinations scheduled for Fourth Quarter of 2002 

Institution Location 

Frederick County Bank

Citizens Bank & Trust Co.

The Bank of Floyd

Rockingham Heritage Bank

First Bank and Trust Company

The Middleburg Bank

Shore Bank

Farmers Bank

The Traders Bank

Frederick, Maryland 

Blackstone, Virginia 

Floyd, Virginia 

Harrisonburg, Virginia 

Lebanon, Virginia 

Middleburg, Virginia 

Onley, Virginia 

Windsor, Virginia 

Spencer, West Virginia 
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, August 17, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

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

located at 8455 Tuttle Avenue, Sarasota, Florida, to be known as 

the University Parkway Branch. 

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

located at 2531 John Hawkins Parkway, Hoover, Alabama, to be 

known as the Trace Crossings Branch. 

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

located at 2320 South U.S. Highway 77, Lynn Haven, Florida, to 

be known as the Lynn Haven Branch. 

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

located at 200 Grand Boulevard, Destin, Florida, to be known as 

the Baytowne Branch 

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

located at 440 N. Ocoee Street, Cleveland, Tennessee, to be 

known as the Ocoee Street Drive-Thru Branch. 

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

located at 1855 East Main Street, Suite 24, Spartanburg, South 

Carolina. 

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

located at 7539 Spring Hill Drive, Spring Hill, Florida. 

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

5885 Cumming Highway, Buford, Georgia, to be known as the 

Sugar Hill Corners In-Store Office. 

08/27/2002* 

08/27/2002* 

08/27/2002* 

08/27/2002* 

08/27/2002* 

08/14/2002* 

08/16/2002* 

08/29/2002* 

*Subject to provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period

3(a)(1) Wheeler Bancsha res, Inc., Alamo, Georgia, to become a bank Newspaper – 09/15/2002 

holding company by acquiring Wheeler County State Bank, Fed Reg – N/Avail

Alamo, Georgia. 

*Subject to provisions of the Community Reinvestment Act 
Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 tak en 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

749635 AuburnBank 05/06/2002 08/13/2002 S X 

Post Office Drawer 3110 

Auburn, Alabama 36831- 3110 

(334) 821-9200 
Section VI – CRA examinations scheduled for Fourth Quarter of 2002 

Institution Location 

First Community Bank of Cullman County

Orion Bank

Admiralty Bank

Southwest Georgia Bank

Rivoli Bank & Trust

SunTrust Bank

Alabama Exchange Bank

Commercial Bank of Florida

Citizens Trust Bank

Merchants & Farmers Bank

Community Bank

Cumberland Bank

Riverside Bank of the Gulf Coast

First Nation Bank

First Community Bank

Cullman, Alabama

Naples, Florida

Palm Beach Gardens, Florida

Moultrie, Georgia

Macon, Georgia

Atlanta, Georgia

Tuskegee, Alabama

Miami, Florida

Atlanta, Georgia

Eutaw, Alabama

Nashville, Tennessee

Carthage, Tennessee

Cape Coral, Florida

Covington, Georgia

DeBary, Florida

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances. 
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, August 17, 2002

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C & Branches Johnson Bank, Racine, Wisconsin, to merge with Capital Bank, 

Green Bay, Wisconsin and thereby to establish branches at 455 

Riverdale Drive, Green Bay, Wisconsin and 840 Main Avenue, 

DePere, Wisconsin.*

Newspaper – N/Avail

Branch Le Mars Bank & Trust Company, Le Mars, Iowa, to establish a 

branch facility to be located at 1601 South Main Avenue, Sioux 

Center, Iowa.*

Newspaper – 08/22/2002

18C & Branches Salin Bank & Trust Company, Indianapolis, Indiana, to merge 

with Blue River Federal Savings Bank, Ed inburg, Indiana and 

thereby to establish branches.*

Newspaper – 08/16/2002

* 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) Bement Bancshares, Inc., Bement, Illinois, to acquire 100 

percent of CGB&L Financial Group, Inc., Cerro Gordo, Illinois 

and thereby indirectly acquire Cerro Gordo Building and Loan, 

s.b., Cerro Gordo, Illinois.*

Fed Reg – 08/30/2002 

Newspaper – 08/26/2002

3(a)(3) Oswego Community Bank Employee Stock Ownership Plan, 

Oswego, Illinois, to acquire additional shares and increase its 

ownership from 32.52 percent to 51 percent of the voting shares 

of Oswego Bancshares, Inc., Oswego, Illinois, and thereby to 

indirectly acquire additional voting shares of Oswego 

Community Bank, Oswego, Illinois.*

Fed Reg – 08/30/2002 

Newspaper – N/Avail

4(c)(8) Southwest Company, Oakland, Iowa, to retain 100 percent 

ownership of Fremont County Savings Bank , Sidney, Iowa, 

following its conversion from a state -chartered bank to a federal 

savings association, and thereby operate a savings association.*

Fed Reg – 8/22/2002 

Newspaper – 08/24/2002

* 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 evalua ted 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

653648 First American Bank

1207 Central Avenue

Fort Dodge, Iowa 50501

(515) 573-2154

10/22/2001 08/12/2002 S X

2960742 Bank of Washtenaw

400 E. Michigan Avenue

Saline, Michigan 48176

(734) 429-3828

01/07/2002 08/12/2002 S 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, August 17, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

772745 First Illinois Bank, East St. Louis, 4/29/2002 8/12/2002 O X 

Illinois 

Section VI – CRA examinations scheduled for Fourth Quarter of 2002 

Institution Location 

Farmers Bank and Trust Company

MidSouth Bank

Allied Bank

Flora Bank and Trust

The Missouri Bank

Bank of Crockett

Blytheville, Arkansas 

Jonesboro, Arkansas 

Mulberry, Arkansas 

Flora, Illinois 

Warrenton, Missouri 

Bells, Tennessee 

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances. 
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, August 17, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3(a)(3) First Sleepy Eye Bancorporation, Inc., Sioux Falls, South 

Dakota, to acquire 96 percent of Sterns Bank Canby National 

Association, Canby, Minnesota. 

CIC Kenneth D. and Suzanne M. Roeder, De Smet, South Dakota to 

gain control of Kingsbury Bank Holding Company, De Smet, 

South Dakota, and thereby indirectly gain control of Peopl es 

State Bank, De Smet, South Dakota. 

CIC Marcelle McVay, Chicago, Illinois, to retain control of 

Minnwest Corporation, Montevideo, Minnesota, and thereby 

indirectly retain control of Minnwest Bank Luverne, Luverne , 

Minnesota; Minnwest Bank Central, Montevideo, Minnesota; 

Minnwest Bank Ortonville, Ortonville, Minnesota; Minnwest 

Bank, M.V., Redwood Falls, Minnesota; Minnwest Bank South, 

Tracy, Minnesota; and Minnwest Bank Sioux Falls, Sioux Falls, 

South Dakota. 

CIC Jerry E. Gerber, Rice Lake, Wisconsin; Terry G. Gerber, 

Cameron, Wisconsin; Susan J. Gerber, Blaine, Minnesota; 

Ernest J. Gerber, Bruce, Wisconsin; Alan F. Gerber, Radisson, 

Wisconsin; Kathleen L. Gerber, Quincy, M assachusetts; and 

Holly A. Barnes, Hayward, Wisconsin, to gain control of Old 

Murry Bancorp, Inc., Cameron, Wisconsin, and thereby 

indirectly gain control of Owen -Curtiss Financial Corporation, 

Rice Lake, Wisconsin, which owns Brill Bancshares, Inc., Rice 

Lake, Wisconsin, and its subsidiary bank, Brill State Bank, Rice 

Lake, Wisconsin, and Gilman Corporation, Gilman, Wisconsin, 

which owns the State Bank of Gilman, Gilman, Wisconsin. 

Fed Reg – 09/09/2002 

Newspaper – N/Avail 

Fed Reg – 08/23/2002 

Newspaper – N/Avail 

Fed Reg – 08/23/2002 

Newspaper – N/Avail 

Fed Reg – 08/23/2002 

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

Ending date of 

Type Application comment period 

CIC Craig L. Larson, Bismarck, North Dakota, to gain control of 

First Southwest Bancorporation, Bismarck, North Dakota, and 

thereby indirectly gain control of First Southwest Bank, 

Bismarck, North Dakota. 

CIC Gary A. Gerber, Rick H. Gerber, Jim E. Gerber, all of Exeland, 

Wisconsin; and Mahala A. Earnhart, Hewitt, Wisconsin, to gain 

control of Chippewa Valley Agency, Ltd., Winter, Wisconsin, 

and thereby indirectly gain control of Chippewa Valley Bank, 

Winter, Wisconsin. 

Fed Reg – 08/27/2002 

Newspaper – N/Avail 

Fed Reg – 08/30/2002 

Newspaper – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

4(c)(8) Minnwest Corporation, Minnetonka, Minnesota proposes to 

engage in the businesses of extending credit and servicing loans, 

and leasing personal or real property through it’s newly formed 

subsidiary, Minnwest Finance, Inc., Minnetonka, Minnesota, 

which proposes to acquire certain assets of AgriVision Finance 

Co. 
Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to encourage depository institut ions 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Fourth Quarter of 2002 

Institution Location 

Security Bank Minneapolis

Community Bank Chaska

Root River State Bank

Grand Marais State Bank

Grand Rapids State Bank

Farmers State Bank of Madelia

Dakota State Bank

American State Bank of Olivia

Stockmens Bank

First American Bank and Trust

Bankfirst

Albert Lea, Minnesota

Chaska, Minnesota

Chatfield, Minnesota

Grand Marais, Minnesota

Grand Rapids, Minnesota

Madelia, Minnesota

Mendota Heights, Minnesota

Olivia, Minnesota

Cascade, Montana

Madison, South Dakota

Sioux Falls, South Dakota
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, August 17, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch First United Bank, Englewood, Colorado, to establish a branch 

in the 100 block of South Wilcox Street, Castle Rock, Colorado. 

Branch The Jackson State Bank & Trust, Jackson, Wyoming, to 

establish a branch at 3300 West Village Drive, Teton Village, 

Wyoming. 

18(c) First Bank of Medicine Lodge, Medicine Lodge, Kansas, to 

purchase certain assets and assume certain liabilities of the 

Ottawa, Kansas branch of Intrust Bank, National Association, 

Wichita, Kansas and to operate under the charter and title of 

First Bank of Medicine Lodge, Medicine Lodge, Kansas. 

Newspaper - 07/02/2002 

Newspaper - 08/30/2002 

Newspaper - 09/12/2002 

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

Ending date of 

Type Application comment period 

3(a)(1) Commercial Bancorp, Pine Bluffs, Wyoming, to become a bank 

holding company through the acquisition of 100 percent of the 

voting shares of Farmers State Bank, Pine Bluffs, Wyoming. 

3(a)(3) First Centralia Bancshares, Inc., Centralia, Kansas, to acquire up 

to 11.8 percent of the voting shares of Morrill Bancshares, Inc., 

Sabetha, Kansas, parent of Morrill State Bank & Trust 

Company, Sabetha, Kansas. 

3(a)(3) First Centralia Bancshares, Inc., Centralia, Kansas, to acquire an 

additional 3.46 percent, for a total of 17 percent of the voting 

shares of Century Capital Financial, Inc., Kilgore, Texas, parent 

of City National Bank, Kilgore, Texas. 

3(a)(3) Morrill Bancshares, Inc., Sabetha, Kansas, to acquire up to 52.73 

percent of the voting shares of Century Capital Financial, Inc., 

Kilgore, Texas, parent of City National Bank, Kilgore, Texas. 

Newspaper N/Available 

Fed Reg - N/Available 

Newspaper - 09/14/2002 

Fed Reg - 09/06/2002 

Newspaper - 09/14/2002 

Fed Reg - 09/06/2002 

Newspaper - 09/14/2002 

Fed Reg - 09/06/2002 
Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

3(a)(5) Morrill Bancshares, Inc., Sabetha, Kansas (Morrill), to merge 

with Morrill & Janes Bancshares, Inc., Hiawatha, Kansas and 

Onaga Bancshares, Inc., Merriam, Kansas, with Morrill as the 

survivor. 

4(c)(8) Morrill Bancshares, Inc., Sabetha, Kansas, to acquire up to 43.34 

percent of the voting shares of FBC Financial Corporation, 

Claremore, Oklahoma, a savings association. 

4(c)(8) Morrill Bancshares, Inc ., Sabetha, Kansas, to acquire 100 

percent of the voting shares of First Trust Company of Onaga, 

Onaga, Kansas, thereby engaging in trust company activities. 

4(c)(8) First Centralia Bancshares, Inc., Centralia, Kansas, in its 

acquisition of Morrill Bancshares, Inc., Sabetha, Kansas, to 

indirectly acquire up to 43.34 percent of the voting shares of 

FBC Financial Corporation, Claremore, Oklahoma, a savings 

association. 

4(c)(8) First Centralia Bancshares, Inc., Centralia, Kansas, in its 

acquisition of Morrill Bancshares, Inc., Sabetha, Kansas, to 

indirectly acquire 100 percent of the voting shares First Trust 

Company of Onaga, Onaga, Kansas, thereby indirectly engaging 

in trust company activities. 

CIC James Michael McAuley and Charlie Edward Blankenship, both 

of Norman, Oklahoma, as Trustees for the Cynthia Ann Mayes 

Blankenship QSST; the Catherine Suzanne Mayes McAuley 

QSST; and the Mava Geraldine Mayes Trust, to retain control of 

Consolidated Equity Corporation, Purcell, Oklahoma, parent of 

First American Bank & Trust Company, Purcell, Oklahoma. 

Newspaper - 09/14/2002 

Fed Reg - 09/06/2002 

Newspaper - 09/14/2002 

Fed Reg - 09/06/2002 

Newspaper - 09/14/2002 

Fed Reg - 09/06/2002 

Newspaper - 09/14/2002 

Fed Reg - 09/06/2002 

Newspaper - 09/14/2002 

Fed Reg - 09/06/2002 

Newspaper - 08/30/2002 

Fed Reg - 09/03/2002 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

989758 BankWest of Kansas 05/20/2002 08/14/2002 O X 

924 Main Street 

Goodland, Kansas 67735-2941 

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, August 17, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 i nstitutions 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 = Satis factory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Fourth Quarter of 2002 

Institution Location 

First Bank 

239659 

300 East 3rd Street 

Burkburnett, Texas 76354-3496 

Community Bank 

268257 

500 South Morgan 

Granbury, Texas 76048-1960 

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances. 
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, August 17, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Foreign Branch The Hongkong Chinese Bank, Ltd., Hong Kong, to acquire the Newspaper – N/Avail 

New York federal insured branch and the Los Angeles federal 

limited branch offices of CITIC Ka Wah Bank, Limited, Hong 

Kong. 

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

Ending date of 

Type Application comment period 

3(a)(1) New Met Financial Corporation, to become a bank holding 

company by acquiring 100 percent of Met Financial Corporation, 

thereby indirectly acquiring its wholly -owned subsidiary, 

Metropolitan Bank, all of Oakland, California.* 

Newspaper – 9/12/2002 

Fed Reg – 09/09/2002 

3(a)(1) Sumitomo Mitsui Financial Group, Inc., Tokyo, Japan, to become 

a bank holding company by acquiring 100 percent of 

Manufacturers Bank, Los Angeles, California. 

Newspaper – N/Avail 

Federal Reg – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4(c)(8) Sumitomo Mitsui Financial Goup, Inc., Tokyo, Japan, to engage in Fed Reg – N/Avail 

nonbanking activities through the acquisition of SMBC Capital 

Markets, Inc., SMBC Leasing and Finance, Inc., SMBC Securities, 

Inc., Daiwa SB Investments (USA), Ltd., and JRI America, In c., 

all of New York, New York. 
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 insti tution'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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

144968 Bay Bank of Commerce 

1495 E. 14th Street 

San Leandro, CA 94577 

(510) 357-2265 

172363 Coast Commercial Bank 

740 Front Street 

Santa Cruz, CA 95060 

(831) 458-4500 

2473354 Idaho Banking Company 

6010 Fairview Avenue 

Boise, Idaho 83704 

(208) 472-4700 

1156539 Mid-Peninsula Bank 

420 Cowper Street 

Palo Alto, California 94301 

(650) 323-7421 

16766 Peninsula Bank of Commerce 

1001 Broadway 

Millbrae, CA 94030 

(650) 697-4333 

11/26/2001 08/12/2002 S X 

11/26/2001 08/12/2002 S X 

04/22/2002 08/13/2002 S X 

11/26/2001 08/12/2002 O X 

11/26/2001 08/12/2002 S X 
Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None