Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 2 

Week Ending January 12, 2002 

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions January 6, 2002 to January 12, 2002 

Bank Holding Companies 

Wesbanco, Inc., Wheeling, West Virginia -- to acquire American Bancorporation 

and Wheeling National Bank, St. Clairsville, Ohio, and to merge its subsidiary, 

Wesbanco Bank, Wheeling, West Virginia, with Wheeling National Bank and 

thereby establish branches. 

- Approved, January 7, 2002 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority January 6, 2002 to January 12, 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 

Kansas City 

Community Banks of Colorado, Greenwood Village, Colorado -- to establish a branch at 

1580 Little Raven Street, Denver. 

- Approved, January 7, 2002 

Richmond 

Farmers Bank, Windsor, Virginia -- to establish a branch at 1238 Holland Road, Suffolk. 

- Approved, January 9, 2002 

St. Louis 

Simmons First Bank, Searcy, Arkansas -- to relocate its main office from 125 North 

Poplar to 401 South Main Street, and to retain the former location as a branch. 

- Approved, January 11, 2002 

Bank Holding Companies 

Richmond 

BB&T Corporation, Winston-Salem, North Carolina -- to acquire Mid-America 

Bancorp, Louisville, Kentucky, and AREA Bancshares Corporation, Owensboro. 

- Approved, January 11, 2002 

Dallas 

Bryan Family Management Trust, Bryan, Texas, and Bryan Heritage Limited 

Partnership -- to acquire The First National Bank of Bryan. 

- Approved, January 9, 2002 

Atlanta 

C&S Bancorporation, Inc., Savannah, Georgia -- to become a bank holding company 

through the acquisition of Citizens & Southern Bank, a de novo bank. 

- Approved, January 8, 2002 

San Francisco 

CBA Bancshares, Inc., Minneapolis, Minnesota -- to become a bank holding company 

through the acquisition of Community Bank of Arizona, Wickenburg, Arizona. 

- Approved, January 10, 2002 

(AC) = Addition or Correction Delegated - Page 1 of 5 
H.2 Actions under delegated authority January 6, 2002 to January 12, 2002 

Bank Holding Companies 

Chicago 

Peoples Bancorp, Rock Valley, Iowa -- to become a bank holding company through the 

acquisition of Peoples Bank, and to retain Peoples Financial Inc. and thereby engage in 

insurance activities in an area with a population not exceeding 5,000. 

- Withdrawn, January 9, 2002 

Director, BS&R 

Popular, Inc., Hato Rey, Puerto Rico -- waiver of remainder of notification period to 

invest in Telecomunicaciones de Puerto Rico, Inc., Guaynabo. 

- Granted, January 8, 2002 

St. Louis 

Union Planters Corporation, Memphis, Tennessee -- to establish Union Planters 

Investment Advisors, Inc. and thereby engage in investment advisory activities. 

- Approved, January 10, 2002 

Boston 

Williamstown Mutual Holding Company, Williamstown, Massachusetts -- to become a 

mutual bank holding company through the acquisition of Williamstown Savings Bank. 

- Approved, January 9, 2002 

Bank Mergers 

Cleveland 

Fifth Third Bank, Indiana, Indianapolis, Indiana -- to purchase certain assets and assume 

certain liabilities of two Owensboro, Kentucky, branches of Fifth Third Bank, Kentucky, 

Inc., Louisville, and thereby establish branches. 

- Approved, January 11, 2002 

Atlanta 

Southern Exchange Bank, Tampa, Florida -- to merge with Florida Bank of Commerce, 

Palm Harbor; and waiver of application for the merger of their parent holding companies, 

Charter Banking Corporation, Tampa, and Florida Bancorporation, Inc., Palm Harbor. 

- Approved, January 7, 2002 

(AC) = Addition or Correction Delegated - Page 2 of 5 
H.2 Actions under delegated authority January 6, 2002 to January 12, 2002 

Banks, Foreign 

Director, BS&R 

Allgemeine HypothekenBank Rheinboden AG, Frankfurt, Germany -- to establish a 

representative office in New York, New York. 

- Approved, January 8, 2002 

Banks, Nonmember, And Miscellaneous Institutions 

Richmond 

Comdial Corporation, Sarasota, Florida -- deregistration under Regulation U. 

- Approved, January 9, 2002 

Richmond 

Tultex Corporation, Martinsville, Virginia -- deregistration under Regulation U. 

- Approved, January 9, 2002 

Banks, State Member 

New York 

The Bank of New York, New York, New York -- to acquire through its subsidiary, 

BNY Mortgage Company LLC, an interest in Primary Land Services LLC, Commack. 

- Approved, January 11, 2002 

Kansas City 

Lakeside Bank of Salina, Salina, Oklahoma -- to declare a dividend. 

- Approved, January 11, 2002 

Change In Bank Control 

St. Louis 

Security State Bancshares, Inc., Charleston, Missouri -- change in bank control. 

- Permitted, January 11, 2002 

Competitive Factors Reports 

San Francisco 

Capital Bank of North County, Carlsbad, California -- report on competitive factors of 

the proposed merger with Rancho Santa Fe National Bank, Rancho Santa Fe. 

- Submitted, January 9, 2002 

(AC) = Addition or Correction Delegated - Page 3 of 5 
H.2 Actions under delegated authority January 6, 2002 to January 12, 2002 

Competitive Factors Reports 

Kansas City 

Emprise Bank, Wichita, Kansas -- report on competitive factors of the proposed merger 

with Emprise Bank, Potwin. 

- Submitted, January 11, 2002 

San Francisco 

United California Bank, Los Angeles, California -- report on competitive factors of the 

proposed merger with Bank of the West, San Francisco. 

- Submitted, January 8, 2002 

Extensions Of Time 

San Francisco 

Bank of the Orient, San Francisco, California -- extension to January 12, 2003, to 

establish a branch at 18605 East Gale Avenue, City of Industry. 

- Granted, January 10, 2002 

Financial Holding Companies 

Chicago 

Allied First Bancorp, Inc., Naperville, Illinois -- election to become a financial holding 

company. 

- Withdrawn, December 28, 2001 (AC) 

St. Louis 

Bancshares of West Plains, Inc., West Plains, Missouri -- election to become a financial 

holding company. 

- Effective, January 10, 2002 

Chicago 

Huron Community Financial Services, Inc., East Tawas, Michigan -- election to become 

a financial holding company. 

- Effective, January 9, 2002 

Chicago 

Macatawa Bank Corporation, Holland, Michigan -- election to become a financial 

holding company. 

- Effective, January 9, 2002 

(AC) = Addition or Correction Delegated - Page 4 of 5 
H.2 Actions under delegated authority January 6, 2002 to January 12, 2002 

Financial Holding Companies 

St. Louis 

Security State Bancshares, Inc., Charleston, Missouri -- election to become a financial 

holding company. 

- Effective, January 8, 2002 

(AC) = Addition or Correction Delegated - Page 5 of 5 
District 1

Federal Reserve Bank of Boston

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

CIC Dorothy M. Mawn, Woburn, Massachusetts; James Lawrence 

Mawn, Malden, Massachusetts; Russell A. Mawn, Vestavia 

Hills, Alabama; the Thomas M. Mawn, Jr., Trust Fund B, 

Woburn, Massachusetts; and Mary Elizabeth Mawn-Ferullo, 

Woburn, Massachusetts; acting in concert; to acquire voting 

shares of Northern Bancorp, Inc., Woburn, Massachusetts, and 

thereby indirectly acquire Northern Bank and Trust Company, 

Woburn, Massachusetts 

CIC James J. Mawn, Gloucester, Massachusetts; Rita M. Mawn, 

Naples, Florida; Rita M. Barger, Manlius, New York; Sheila E. 

Carpenter, San Antonio, Texas; James J. Mawn, Jr., 

Charlestown, Massachusetts; Alicia J. Mawn-Mahlau, and Sam 

A. Mawn-Mahlau, both of Winchester, Massachusetts; Louise S. 

McDonough, Woburn, Massachusetts; Mary E. Negri, Woburn, 

Massachusetts; Mary Catherine Riley, Princeton, New Jersey; 

and the Mawn Family Limited Partnership, Woburn, 

Massachusetts; acting in concert; to acquire voting shares of 

Northern Bancorp, Inc., Woburn, Massachusetts, and thereby 

indirectly acquire Northern Bank and Trust Company, Woburn, 

Massachusetts 

Newspaper – N/Avail Fed 

Reg – 01/29/2002 

Newspaper – N/Avail Fed 

Reg – 01/29/2002 

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 

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, January 12, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18C, MBR Industrial Bank of Japan Trust Company, New York, New York 01/18/2002 

to merge with IBJ Whitehall Bank and Trust, New York, New 

York. 

* 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 

3A1A, 3A3A, Chinatrust Commercial Bank, Ltd., Taipei, China, to acquire N/A 

3A5A indirectly 100% of the voting shares of Chinatrust Commercial 

Bank, Ltd., Taipei, Taiwan, and thereby become a BHC through 

the indirect ownership of Chinatrust Bank, Torrance, California. 

* 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 

4C8ORD Bayerische Hypo-Und Vereinsbank AG, Munich, Germany, to N/A 

engage in certain nonbanking activities both directly and 

trhough Identrus LLC, 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 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 Quarter of 

Institution Location 

None 
District 3

Federal Reserve Bank of Philadelphia

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

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 4

Federal Reserve Bank of Cleveland

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

4(c)(8) Received application on 01/07/2002 from National Bancshares N/Avail -

Corporation, Orrville, OH to acquire Peoples Financial 

Corporation and Peoples Federal Savings and Loan Association, 

both of Massillon, OH.* 

* 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 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 Quarter of 

Institution Location 

None 
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, January 12, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Gateway Bank & Trust Co., Elizabeth City, North Carolina, to 01/25/2002 

establish a branch at 3600 North Croatan Highway, Kitty Hawk, 

North Carolina.* 

*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 

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 

844820 Bank of Tazewell County 

846 East Fincastle Turnpike 

Tazewell, Virginia 24651 

10/29/2001 01/06/2002 S X

105071 The Patapsco Bank 

1301 Merritt Boulevard 

Dundalk, Maryland 21222 

10/29/2001 01/10/2002 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, January 12, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) SouthTrust Bank, Birmingham, Alabama, to merge with 

Landmark Bank, Euless, Texas. 

02/08/2002*

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

4100 Northview Drive, Bowie, Maryland, to be known as the 

Bowie Town Center Safeway Office. 

01/22/2002*

*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 

CIC USAL Bancorp, Inc., Union Springs, Alabama, after-the-fact 

change in control notification filed by Wiley Thornton Gibson 

and Rebecca D. Gibson to retain 10.09 percent of the 

outstanding shares of USAL Bancorp, Inc., Union Springs, 

Alabama. 

3(a)(5) South Alabama Bancorporation, Inc., Mobile, Alabama, to 

merge with Gulf Coast Community Bancshares, Inc., and 

thereby acquire its subsidiary, Wewahitchka State Bank, both of 

Wewahitchka, Florida. 

CIC After-the-fact notification filed by the Oscar W. Roberts, Jr. 

family group, including the Estate of Oscar W. Roberts, Jr., 

Louise T. Roberts, Antoinette Roberts Goodrich, Heather 

Roberts, Oscar W. Roberts, III, Helen T. Roberts, Alfred F. 

Goodrich, Bonita J. Roberts, Oscar W. Roberts, IV, and Eleanor 

R. Goodrich to retain their aggregate 11.92 percent of the 

outstanding shares of WGNB Corp., and its subsidiary, West 

Georgia National Bank of Carrollton, both of Carrollton, 

Georgia. 

N/Avail 

Newspaper – 

02/04/2002* 

Fed Reg - 01/10/2002 
Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

CIC After-the-fact notification filed by the H.W. Richards family 

group, including the Estate of H.W. Richards, Thomas T. 

Richards, J. Patrick Malloy, Sally A. Bobick, Mary A. 

Maierhoffer, Cornelia S. Richards, Margaret R. Bass, Cornelia 

L. Richards, Margaret R. Bass Trust, and Cornelia L. Richards 

Trust, to retain their aggregate 15.23 percent of the outstanding 

shares of WGNB Corp., and its subsidiary, West Georgia 

National Bank of Carrollton, both of Carrollton, Georgia. 

CIC After-the-fact notification filed by the Joe Whit Walker family 

group, including Joe Whit Walker, Jan W. Walker, Katherine M. 

Chewning, Nicholas C. Walker, Katherine R. Walker, Wanda 

W. Calhoun, Madeline A. Chewning, Whitney L. Walker, Greg 

W. Walker, H. Frederick Walker, and Ross A. Chewning to 

retain their aggregate 14.16 percent of the outstanding shares of 

WGNB Corp., and its subsidiary, West Georgia National Bank 

of Carrollton, both of Carrollton, Georgia. 

Fed Reg - 01/10/2002 

Fed Reg – 01/10/2002 

*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 

3(a)(1) People’s Community BancShares, Inc., Sarasota, Florida, notice 

to become a bank holding company by acquiring People’s 

Community Bank of the West Coast, Sarasota, Florida. 

WAIVR SouthTrust Corporation, Birmingham, Alabama, application 

waiver request for the proposed merger with Landmark 

Bancshares, Inc., and indirect acquisition of Landmark Bank, 

both of Euless, Texas. 

COM Liberty National Bancshares, Inc., Conyers, Georgia, 

commitment waiver request. 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

704737 Bank of St. Petersburg 09/24/2001 01/07/2002 S X 

777 Pasadena Avenue, South 

St. Petersburg, Florida 33707 

(813) 347-3132 

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, January 12, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Comerica Bank, Detroit, Michigan, for prior approval to 

establish a branch at the intersection of Grand River and Latson 

Roads, Genoa Township, Michigan.* 

Newspaper – 01/17/2002 

Branch Hinsdale Bank & Trust Company, Hinsdale, Illinois, for prior 

approval to establish a branch at 17 E. Burlington Avenue, 

Riverside, Illinois.* 

Newspaper – 01/07/2002 

* 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) Central Bancshares, Inc., Muscatine, Iowa, for prior approval to 

acquire 100 percent of the voting shares of Marquette Bank 

Illinois, Galesburg, Illinois.* 

CC Notification by CoVest Bancshares, Inc. Employee Stock 

Ownership Plan Trust, Paul A. Larsen, James L. Roberts and 

Barbara A. Buscemi, Trustees, of a Change in Control of CoVest 

Bancshares, Inc., Des Plaines, Illinois. 

CC Notification by Brian and Elizabeth Riddell, as general partners 

of Riddell Family Limited Partnership and William and Linda 

Biles for prior approval to each own 50% of First Heartland 

Bancorp., Sioux Center, Iowa. 

4(c)(8) First Mutual of Richmond, Inc., Richmond, Indiana and 

Richmond Mutual Bancorporation, Inc., Richmond, Indiana, for 

prior approval to acquire 100 percent of the voting shares of 

AmTrust Capital Corp., Peru, Indiana and thereby indirectly 

acquire American Trust Federal Savings Bank, Peru, Indiana 

and Indiana Financial Service Corporation, Peru, Indiana.* 

3(a)(3) Illini Corporation, Springfield, Illinois, for prior approval to 

acquire 100 percent of the voting shares of Illinois Community 

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

Illinois Community Bank, Effingham, Illinois.* 

Fed Reg – 02/08/2002 

Newspaper – 02/04/2002 

Fed Reg – 01/16/2002 

Newspaper – 01/09/2002 

Fed Reg – 01/17/2002 

Newspaper – 01/16/2002 

Fed Reg – 01/14/2002 

Newspaper – 01/14/2002 

Fed Reg – 02/04/2002 

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

Ending date of 

Type Application comment period 

CC Notification by Douglas & Mary Kapnick, Mary E. Kapnick 

Trust, Douglas L. Kapnick Trust and Elmer L. Kupnick Trust, of 

a Change in Control of Lenawee Bancorp, Inc., Adrian, 

Michigan. 

Fed Reg – 01/23/2002 

Newspaper – 01/20/2002 

3(a)(5) Macatawa Bank Corporation, Holland, Michigan, for prior 

approval to acquire 100 percent of the voting shares of Grand 

Bank Financial Corporation, Grand Rapids, Michigan and 

thereby indirectly acquire Grand Bank, Grand Rapids, 

Michigan.* 

Fed Reg – 01/18/2002 

Newspaper – 01/16/2002 

3(a)(5) Marshall & Ilsley Corporation, Milwaukee, Wisconsin, for prior 

approval to acquire 100 percent of the voting shares of Richfield 

State Agency, Inc., Richfield, Minnesota and thereby indirectly 

acquire Richfield Bank & Trust Co., Richfield, Minnesota.* 

Fed Reg – 01/18/2002 

Newspaper – N/Avail 

3(a)(5) Marshall & Ilsley Corporation, Milwaukee, Wisconsin, for prior 

approval to acquire 100 percent of the voting shares of Century 

Bancshares, Inc., Eden Prairie, Minnesota and thereby indirectly 

acquire Century Bank, National Association, Eden Prairie, 

Minnesota.* 

Fed Reg – 02/04/2002 

Newspaper – N/Avail 

3(a)(3) River Valley Bancorp, Inc., Eldridge, Iowa, for prior approval to 

acquire 100 percent of the outstanding voting shares of State 

Bank of Seaton, Seaton, Illinois.* 

Fed Reg – 01/14/2002 

Newspaper – 01/11/2002 

3(a)(1) TCSB Bancorp, Inc., Traverse City, Michigan, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the outstanding shares of Traverse 

City State Bank, Traverse City, Michigan.* 

Fed Reg – 01/11/2002 

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 

COM Builders Financial Corporation, Chicago, Illinois, for prior 

approval to be released from their commitment not to incur debt 

without prior approval from this Reserve Bank. 
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 

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, January 12, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Notice by Simmons First Bank, Searcy, Arkansas, to relocate its Newspaper – 12/15/2001 

main office from 125 North Poplar to 401 South Main Street, 

with the current main office facility becoming a branch.* 

* 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 

CIC Notice involving First National Corporation of Wynne, Wynne, Newspaper – N/Avail Fed 

Arkansas, by First National Bank of Wynne ESOP, Wynne, Reg – 1/31/2002 

Arkansas, to retain 10.26 percent. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4(c)(8) Notice by Concord EFS, Inc., Memphis, Tennessee, to acquire Fed Reg – 1/29/2002 

Logix Companies, LLC, Longmont, Colorado, and thereby 

indirectly engage in check verification and data processing 

activities. (Previously submitted during the week ending January 

5, 2002) 

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 

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, January 12, 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) Northern Plains Investment, Inc., Jamestown, North Dakota, is 

seeking retroactive approval for the increase in its direct and 

indirect ownership interest in North Star Holding Company, 

Inc., Jamestown, North Dakota, from 43.33% to 45.01%.* 

Fed Reg – 01/18/2002 

Newspaper – 01/29/2002 

CIC Notice by Edward T. Christian Revocable Trust dated October 

23, 2001 to retain control of Kiester Investments, Inc., Kiester, 

Minnesota. 

Fed Reg – 01/28/2002 

Newspaper – N/Avail. 

CIC Notice by Catherine and Kim Jackson to gain control of Graham 

Shares of Waverly, Inc., Waverly, Minnesota. 

Fed Reg – 01/31/2002 

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 

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 

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, January 12, 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) Citizens Bancshares, Inc., ESOP, Edmond, Oklahoma, for prior 

approval to become a bank holding company through the 

acquisition of up to 30 percent of the voting shares of Citizens 

Bancshares, Inc., Edmond, Oklahoma, parent of Citizens Bank 

of Edmond, Edmond, Oklahoma. 

Newspaper – 02/04/2002 

Fed Reg – 02/01/2002 

3(a)(1) Riverdale Bancshares, Inc., Riverdale, Nebraska, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares State Bank of 

Riverdale, Riverdale, Nebraska. 

Newspaper – N/Available 

Fed Reg – 02/11/2002 

3(a)(3) Lauritzen Corporation, Omaha, Nebraska, for prior approval to 

acquire an additional 1.54 percent, for a total of 23.03 percent of 

the voting shares of First National of Nebraska, Inc., Omaha, 

Nebraska. 

Newspaper – N/Available 

Fed Reg – 02/04/2002 

3(a)(3) Central Financial Corporation, Hutchinson, Kansas, for prior 

approval to acquire up to 40 percent of the voting shares of Bank 

of Nevada, Las Vegas, Nevada. 

Newspaper – N/Available 

Fed Reg – N/Available 

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 

29159 Union State Bank 

612 Pine Street 

Upton, Wyoming 82730 

83450 Centennial Bank of the West 

100 Oak Avenue 

Fort Collins, Colorado 80615 

284154 First Bank of Turley 

6555 N. Peoria 

Tulsa, Oklahoma 74126-1744 

10/22/2001 01/08/2002 S X 

10/01/2001 01/08/2002 S X 

10/15/2001 01/08/2002 S X 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 11

Federal Reserve Bank of Dallas

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

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, January 12, 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 

CIC William Robert Peoples, Ardyce M. Peoples, Santa Barbara, Newspaper – 1/24/2002 

California, and various other family members, to retain 16.64 Fed Reg – 1/23/2002 

percent, in aggregate, of Community West Bancshares, Goleta, 

California.* 

* 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 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 Quarter of 

Institution Location 

None