Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 25

Week Ending June 19, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions June 13, 2004 to June 19, 2004

Testimony And Statements

Nomination Hearing -- statement by Chairman Greenspan before the Senate Committee 

on Banking, Housing, and Urban Affairs on his renomination for a fifth term as Chairman 

of the Board.

- Published, June 15, 2004 

Advisory Councils

Consumer Advisory Council -- request for nominations for eleven new members.

- Announced, June 17, 2004 

Bank Holding Companies

J.P. Morgan Chase & Co., New York, New York -- to merge with Bank One 

Corporation, Chicago, Illinois, and thereby acquire Bank One, National Association and 

its other subsidiary banks.

- Approved, June 14, 2004 

Regions Financial Corporation, Birmingham, Alabama -- to merge with Union Planters 

Corporation, Memphis, Tennessee, and thereby acquire Union Planters Bank, National 

Association, and Union Planters Bank of the Lakeway Area, Morristown.

- Approved, June 16, 2004 

Extensions Of Time

Central Pacific Financial Corp., Honolulu, Hawaii -- extension to September 15, 2004, to 

acquire CB Bancshares, Inc., and City Bank.

- Granted, June 16, 2004 

(AC) = Addition or Correction Board - Page 1 of 2
H.2 Board Actions June 13, 2004 to June 19, 2004

Forms

Report Proposals -- final Board review of proposals to extend with revision the 

Consolidated Report of Condition and Income for Edge and Agreement Corporations 

(FR 2886b); and to extend without revision the Notice of Branch Closure (FR 4031); 

Notice of Proposed Stock Redemption (FR 4008); Notice Claiming Status as an Exempt 

Transfer Agent (FR 4013); Reports Related to Securities Issued by State Member Banks 

as Required by Regulation H (Reg H-1); Declarations to Become a Financial Holding 

Company (FHC) (FR 4010); Requests for Determinations and Interpretations Regarding 

Activities Financial in Nature (FR 4011); Notices of Failure to Meet Capital or 

Management Requirements (FR 4012); Notices by State Member Banks to Invest in 

Financial Subsidiaries (FR 4017); Regulatory Relief Requests Associated with Merchant 

Banking Activities (FR 4019); and Recordkeeping Requirements Associated with 

Merchant Banking Activities.

- Approved, June 14, 2004 

Regulations And Policies

Complex Structured Finance Activities -- extension to July 19, 2004, of the comment 

period on the proposed Interagency Statement on Sound Practices Concerning Complex 

Structured Finance Activities.

- Announced, June 18, 2004 

Consumer Disclosure Standards -- withdrawal of proposed amendments to Regulations Z 

(Truth in Lending), B (Equal Credit Opportunity), E (Electronic Fund Transfers), M 

(Consumer Leasing), and DD (Truth in Savings) that sought to define more specifically the 

standard for providing clear and conspicuous disclosures and to provide a more uniform 

standard among these regulations (Docket Nos. R-1167 to R-1171).

- Approved, June 16, 2004 

Enforcement

First Tennessee Bank, N.A., Memphis, Tennessee, and Bank of America, N.A., 

Charlotte, North Carolina -- issuance of a final decision and order of prohibition against 

Stephanie Edmond, a former employee.

- Approved, June 16, 2004 

(AC) = Addition or Correction Board - Page 2 of 2
June 13, 2004 to June 19, 2004

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

AmSouth Bank, Birmingham, Alabama -- to establish a branch at 4904 Tamiami Trail 

East, Naples, Florida.

- Approved, June 14, 2004 

Atlanta

AmSouth Bank, Birmingham, Alabama -- to establish a branch at 1042 Glenbrook Way, 

Hendersonville, Tennessee.

- Approved, June 16, 2004 

Atlanta

Compass Bank, Birmingham, Alabama -- to establish a branch at Culebra Road and 

Loop 1604, San Antonio, Texas.

- Approved, June 17, 2004 

Atlanta

First Penn Bank, Philadelphia, Pennsylvania -- to establish a branch at 1032 Arch Street.

- Approved, June 17, 2004 

Philadelphia

Johnson Bank, Racine, Wisconsin -- to establish a branch at 8202 Highview Drive, 

Madison.

- Approved, June 15, 2004 

Chicago

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

seasonal-use limited branch at Shippensburg University of Pennsylvania, Shippensburg, 

Pennsylvania.

- Approved, June 14, 2004 

New York

Midwest Bank and Trust Company, Elmwood Park, Illinois -- to establish branches at 

239-45 Addison Road, Addison, and 1441 Waukegan Road, Glenview.

- Approved, June 15, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority June 13, 2004 to June 19, 2004

Bank Branches, Domestic

Pointe Bank, Boca Raton, Florida -- to establish a branch at 3386 South Douglas Road, 

Miami.

- Approved, June 18, 2004 

Atlanta

Regions Bank, Birmingham, Alabama -- to establish a branch at 2601 Ridge Road, 

Rockwall, Texas.

- Approved, June 14, 2004 

Atlanta

Sky Bank, Salineville, Ohio -- to establish a branch at 68011 Mall Ring Road, St. 

Clairsville.

- Approved, June 18, 2004 

Cleveland

Southwest Bank of St. Louis, St. Louis, Missouri -- to establish a branch at 10923 Olive 

Boulevard, Creve Coeur.

- Approved, June 18, 2004 

Chicago

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 40 Shining Willow Way, La 

Plata, Maryland.

- Approved, June 17, 2004 

Atlanta

Bank Holding Companies

Centennial C Corp, Rancho Santa Fe, California -- to become a bank holding company 

and to acquire Centennial Bank Holdings, Inc., Fort Collins, Colorado, and Centennial 

Bank of the West.

- Approved, June 15, 2004 

Kansas City

Emigrant Bancorp, Inc., New York, New York, and ESB Acquisition Corp. -- to 

acquire Emigrant Bank, a de novo limited purpose commercial bank.

- Approved, June 17, 2004 

New York

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority June 13, 2004 to June 19, 2004

Bank Holding Companies

Farmers Capital Bank Corporation, Frankfort, Kentucky -- to acquire Citizens Bank 

(KY), Inc., Georgetown.

- Approved, June 15, 2004 

St. Louis

Flint River Bancshares, Inc., Camilla, Georgia -- to become a bank holding company and 

to acquire Flint River National Bank, a de novo bank.

- Approved, June 17, 2004 

Atlanta

Floridian Community Holdings, Inc., Davie, Florida -- to become a bank holding 

company and to acquire Floridian Community Bank, Inc.

- Approved, June 18, 2004 

Atlanta

Hopkins Financial Corporation, Mitchell, South Dakota -- to engage de novo in lending 

activities.

- Approved, June 14, 2004 

Minneapolis

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to acquire through its subsidiary, 

Metavante Corporation, Advanced Financial Solutions, Inc. and the limited liability 

company interests of CheckClear, LLC, Oklahoma City, Oklahoma, and Medical 

Banking Exchange, LLC. 

- Approved, June 17, 2004 

Chicago

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to acquire through its subsidiary, 

Metavante Corporation, NYCE Corporation, Montvale, New Jersey, and its Canadian 

subsidiary, Everlink Payment Systems, Inc., and thereby engage in data processing 

activities abroad.

- Approved, June 18, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority June 13, 2004 to June 19, 2004

Bank Holding Companies

Metropolitan Bank Group, Inc., Chicago, Illinois -- to acquire Citizens Bank-Illinois, 

National Association, Berwyn.

- Approved, June 16, 2004 

Chicago

North Fork Bancorporation, Inc., Melville, New York -- commenter's request to extend 

the comment period on the application to acquire Greenpoint Financial Corporation, New 

York.

- Denied, June 14, 2004 

Secretary

Pinnacle Bancorp, Inc., Central City, Nebraska -- to acquire Financial Services of the 

Rockies, Inc., Colorado Springs, Colorado, and First National Bank of Colorado 

Springs; and for Pinnacle Bancorp's subsidiary, Bank of Colorado, Fort Collins, to merge 

with First National Bank of Colorado Springs, and thereby establish branches.

- Approved, June 16, 2004 

Kansas City

Union National Bancshares, Inc., ESOP, Chandler, Oklahoma -- to become a bank 

holding company and to acquire shares of Union National Bancshares, Inc. and Union 

Bank of Chandler.

- Approved, June 16, 2004 

Kansas City

Bank Mergers

Community First Bank & Trust, Celina, Ohio -- to merge with Indiana Lawrence Bank, 

North Manchester, Indiana, and The Clyde Savings Bank, Clyde, Ohio, and thereby 

establish branches.

- Approved, June 16, 2004 

Cleveland

Cumberland Bank South, Franklin, Tennessee -- to merge with Cumberland Bank, 

Carthage.

- Approved, June 18, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority June 13, 2004 to June 19, 2004

Bank Mergers

Placer Sierra Bank, Auburn, California -- to merge with Bank of Orange County, 

Orange, and thereby establish branches.

- Approved, June 16, 2004 

Secretary

Banks, Foreign

Hypothekenbank in Essen AG, Essen, Germany -- to establish a representative office in 

New York, New York.

- Approved, June 18, 2004 

Director, BS&R

Change In Bank Control

ACME Holding Company, Inc., Mulberry, Arkansas -- to retain control of ACME 

Holding Company, Inc.

- Permitted, June 18, 2004 

St. Louis

Citizens Bancorp of Morehead Incorporated, Morehead, Kentucky -- to retain control of 

Citizens Bancorp.

- Permitted, June 18, 2004 

Cleveland

Empire Bancshares, Inc., Hicksville, Ohio -- to retain control of Empire Bancshares, Inc.

- Permitted, June 18, 2004 

Cleveland

Itasca Bancorp, Inc., Itasca, Illinois -- to retain control of Itasca Bancorp, Inc.

- Permitted, June 16, 2004 

Chicago

Competitive Factors Reports

Bremer Bank, National Association, Moorhead, Minnesota -- report on competitive 

factors of the proposed merger with Bremer Bank, National Association, Minot, North 

Dakota.

- Submitted, June 15, 2004 

Minneapolis

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority June 13, 2004 to June 19, 2004

Competitive Factors Reports

Enterprise National Bank of Palm Beach, North Palm Beach, Florida -- report on 

competitive factors of the proposed purchase of the Jupiter branch of Security Bank, 

N.A., North Lauderdale.

- Submitted, June 15, 2004 

Atlanta

Harris Bank Glencoe-Northbrook, National Association, Glencoe, Illinois -- report on 

competitive factors of the proposed merger with its 25 affiliated national and state banks 

into Harris National Association.

- Submitted, June 16, 2004 

Chicago

Home State Bank, Litchfield, Minnesota -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of the Hutchinson branch of Bremer Bank, 

National Association, Willmar.

- Submitted, June 16, 2004 

Minneapolis

Independent Bank, Bay City, Michigan -- report on competitive factors of the proposed 

merger with First National Bank of Gaylord, Gaylord.

- Submitted, June 16, 2004 

Chicago

Northview Bank, Finlayson, Minnesota -- report on competitive factors of the proposed 

purchase of certain assets and assumption of deposit liabilities of the Grand Rapids branch 

of American National Bank of Minnesota, Baxter.

- Submitted, June 14, 2004 

Minneapolis

Prosperity Bank, El Campo, Texas -- report on competitive factors of the proposed 

merger with Village Bank & Trust, SSB, Lakeway.

- Submitted, June 15, 2004 

Dallas

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority June 13, 2004 to June 19, 2004

Competitive Factors Reports

United Bank, Atmore, Alabama -- report on competitive factors of the proposed merger 

with Premier Community Bank of Southwest Florida, Fort Myers, Florida.

- Submitted, June 16, 2004 

Atlanta

Financial Holding Companies

RNB Corp., Brazil, Indiana -- election to become a financial holding company.

- Effective, June 18, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 7 of 7
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, June 19, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, June 19, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Manufacturers and Traders Trust Company, Buffalo, New York, 

to establish a seasonal-use limited branch office at McDaniel 

College, 2 College Hill, Westminster, Maryland.

Newspaper – 06/28/2004

FBSEA ICICI Bank Limited, Mumbai, India, to establish a federal 

branch in New York, New York.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4C8 NRW.Bank, Dusseldorf, Germany, to continue to engage in 

certain non-banking activities currently conducted by 

NRW.Bank’s subsidiary, WestLB AG, Dusseldorf, Germany.

Fed Reg – 07/08/2004

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, June 19, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, June 19, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Fifth Third Bank, Grand Rapids, MI to establish a branch at 251 

Brook Forest Avenue, Shorewood, IL.

Newspaper – 06/12/2004

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

2710 North Narragansett Avenue, Chicago, IL.

Newspaper – 06/12/2004

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

1725 North Harlem Avenue, Chicago, IL.

Newspaper – 06/12/2004

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

7150 Mannheim Road, Rosemont, IL.

Newspaper – 06/12/2004

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

9344 Skokie Boulevard, Skokie, IL.

Newspaper – 06/12/2004

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

2001 Spring Arbor Road, Jackson, MI.

Newspaper – 06/12/2004

*Branch Fifth Third Bank, Cincinnati, OH to establish a temporary 

branch at The Pete Day Golf Course, 801 Aaron Smith Drive, 

Bridgeport, WV.

Newspaper – 06/29/2004

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

2010 Whitaker Road, Ypsilanti, MI.

Newspaper – 06/22/2004

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

southeast corner of Gratiot Avenue and East State Fair Street, 

Detroit, MI.

Newspaper – 06/22/2004

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

northeast corner of East Jefferson Avenue and McDougall 

Street, Detroit, MI.

Newspaper – 06/22/2004

*Branch Fifth Third Bank, Grand Rapids, MI to establish a branch at 321 

South Saginaw Road, Midland, MI.

Newspaper – 06/22/2004

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

6620 South Tamiami Trail, Sarasota, FL.

Newspaper – 06/22/2004

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

east side of Dixie Highway south of Kendall Road, Louisville, 

KY.

Newspaper – 06/22/2004
Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

3821 Ruckriegel Parkway, Louisville, KY.

Newspaper – 06/22/2004

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

1975 Highland Pike, Fort Wright, KY.

Newspaper – 06/22/2004

*Branch Fifth Third Bank, Grand Rapids, MI to establish a branch at 333 

West Army Trail Road, Bloomingdale, IL.

Newspaper – 06/22/2004

*Branch Fifth Third Bank, Grand Rapids, MI to establish a branch at 837 

West North Avenue, Chicago, IL.

Newspaper – 06/24/2004

*18(c), *Branch Whitaker Bank, Inc., Lexington, KY to merge with Mount 

Sterling Bank, Inc., Mount Sterling, KY, and Morehead Bank, 

Inc., Morehead, KY, pursuant to section 18(c) of the Federal 

Deposit Insurance Act and incident thereto establish branches 

pursuant to section 9 of the Federal Reserve Act.

Newspaper – N/Avail

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(1), *3(a)(5) Camco Financial Corporation, Cambridge, Ohio, to become 

bank holding company by acquiring 100 percent of London 

Financial Corporation and its wholly-owned subsidiary, The 

Citizens Bank of London, both of London, Ohio.

Newspaper – N/Avail

Fed Reg – 06/18/2004

CIC Notice of Change in Control filed by The Dlesk Family (Rosalie 

J. Dlesk and Sylvan J. Dlesk and Randall Dlesk and Jane Dlesk), 

Wheeling, WV of their intent to acquire an additional 9,000 

voting shares of First West Virginia Bancorp, Inc., Wheeling, 

WV and increase their ownership position to 161,442 shares or 

10.56% of the total shares outstanding.

Newspaper – 05/20/2004

Fed Reg – 06/01/2004

*3(a)(5) Huntington Bancshares Inc., Columbus, OH, to acquire Unizan 

Financial Corp., Canton, OH.

Newspaper – 04/28/2004

Fed Reg – 04/23/2004

*3(a)(5), 4(c)(8) National City Corp., Cleveland, OH, to acquire Wayne Bancorp, 

Inc., Wooster, OH pursuant to sections 3 and 4 of the Bank 

Holding Company Act.

Newspaper – N/Avail

Fed Reg – N/Avail

*3(a)(3) S&T Bancorp, Inc., Indiana, PA to acquire up to 9.9 percent of 

Fidelity Bancorp, Inc., Pittsburgh, PA and thereby indirectly 

acquire Fidelity Savings Bank, Pittsburgh, PA.

Newspaper – N/Avail

Fed Reg – 07/08/2004
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

*18(c), *4(c)(8), 

*Branch

Wesbanco, Inc., and WFCO, Inc., both of Wheeling, WV, to 

acquire Western Ohio Financial Corp., Springfield, OH and its 

subsidiary, Cornerstone Bank, Springfield, OH pursuant to 

section 4(c)(8) of the Bank Holding Company Act and 

Wesbanco Bank, Wheeling, WV to merge with Cornerstone 

Bank pursuant to section 18(c) of the Federal Deposit Insurance 

Act and incident thereto establish branch facilities pursuant to 

section 9 of the Federal Reserve Act.

Newspaper – 06/17/2004

Fed Reg – N/Avail

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, June 19, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

a branch at 350 West Main Street, Abingdon, Virginia.*

Newspaper – 06/28/2004

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(1) Coastal South Bancshares, Inc., Hilton Head, South Carolina, 

to become a bank holding company through the acquisition of 

100% of the voting shares of Coastal States Bank, Hilton Head, 

South Carolina.*

Fed Reg – 07/16/2004

Newspaper – N/Avail

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, June 19, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at 2893 North Druid Hill Road, N.E., Atlanta, Georgia.*

Newspaper – 06/17/2004

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

located at 3350 Pelham Parkway, Pelham, Alabama, to be 

known as the North Shelby County Branch.*

Newspaper – N/Avail

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

located at 25 Buckwalter Parkway, Bluffton, South Carolina.*

Newspaper – N/Avail

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(5) SunTrust Banks, Inc., Atlanta, Georgia, to merge with National 

Commerce Financial Corporation, and thereby acquire its 

subsidiary, National Bank of Commerce, both of Memphis, 

Tennessee.*

Newspaper – N/Avail

Fed Reg – N/Avail

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire NBC Bank, 

F.S.B., Memphis, Tennessee, and thereby engage in operating a 

savings association.*

Newspaper – N/Avail

Fed Reg – N/Avail

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire First Market 

Bank, F.S.B., Memphis, Tennessee, and thereby engage in 

operating a savings association.*

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1) Beach Community Bancshares, Inc., Fort Walton Beach, 

Florida, to become a bank holding company by acquiring 100 

percent of the outstanding shares of Beach Community Bank, 

Fort Walton Beach, Florida.*

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1) PCNB Bancshares, Inc., Bremen, Georgia, to become a bank 

holding company by acquiring 100 percent of the outstanding 

shares of Peoples Community National Bank, Bremen, 

Georgia.*

Newspaper – 07/10/2004

Fed Reg – 07/12/2004
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC Liberty Bancorporation, Longwood, Florida, prior change in 

control notification filed by C. David Brown, II, Windermere, 

Florida; Tracy S. Forrest, Winter Park, Florida; Jeffry B. Fuqua 

and Michael J. Nelson, both of Orlando, Florida; to collectively 

acquire up to 100 percent of outstanding shares of Liberty 

Bancorporation, and its subsidiary, Liberty National Bank, both 

of Longwood, Florida.

Newspaper – 07/01/2004

Fed Reg – 07/06/2004

CIC Pointe Financial Corporation, Boca Raton, Florida, after-the-fact 

change in control notice filed by Clarita Kassin, North Beach 

Miami, Florida, Kassin Family Partnership, Ltd., North Miami, 

Florida, and its general partner, Foreign Financial Investments, 

North Miami, Florida, Delta Holding Corporation, North Miami, 

Florida, Samuel Papu, Miami, Florida, Dorita Ojalvo, North 

Miami, Florida, and Salomon Kassin, Aventura, Florida, to 

collectively retain 16.13 percent of the outstanding shares of 

Pointe Financial Corporation, and its subsidiary, Pointe Bank, 

both of Boca Raton, Florida.

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(3) Southwest Florida Community Bancorp, Inc., Fort Myers, 

Florida, to acquire at least 80 percent of the outstanding shares 

of Community Bank of Cape Coral, Cape Coral, Florida (in 

organization).*

Newspaper – N/Avail

Fed Reg – N/Avail

CIC Vernon Bancshares, Inc., Leesville, Louisiana, prior change in 

control notification by Ms. Billie Sims McRae, Mr. Ralph 

Dillion McRae, Sr., and Mr. William Vernon McRae, all of 

Leesville, Louisiana, to collectively acquire an additional 6.25 

percent of the outstanding shares of Vernon Bancshares, and its 

subsidiary, Vernon Bank, both of Leesville, Louisiana. Total 

ownership will equal 27.99 percent.

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(3) Vision Bancshares, Inc., Gulf Shores, Alabama, to acquire 100 

percent of the outstanding shares of BankTrust of Florida, 

Wewahitchka, Florida.*

Newspaper – N/Avail

Fed Reg – N/Avail

* Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire First 

Mercantile Trust Company, Memphis, Tennessee, and thereby 

engage in operating nonbank depository institutions and to 

engage in financial and investment advisory activities.

Fed Reg – N/Avail
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire FMT Capital 

Management, Inc., Memphis, Tennessee, and thereby engage in 

financial and investment advisory activities.

Fed Reg – N/Avail

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire 

TransPlatinum Service Corp., Nashville, Tennessee, and thereby 

engage in data processing activities.

Fed Reg – N/Avail

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire Commerce 

Capital Management, Inc., Memphis, Tennessee, and thereby 

engage in financial and investment advisory activities.

Fed Reg – N/Avail

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire USI Alliance 

Corp., Memphis, Tennessee, and thereby engage in leasing 

personal or real property activities, and to engage in community 

development activities.

Fed Reg – N/Avail

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire Senior 

Housing Crime Prevention Foundation Investment Corporation, 

Memphis, Tennessee, and thereby engage in community 

development activities.

Fed Reg – N/Avail

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, to acquire Brooks, 

Montague & Associates, Inc., Chattanooga, Tennessee, and 

thereby engage in financial and investment advisory activities.

Fed Reg – N/Avail

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

Type Application

5B Bank of Alabama, Birmingham, Alabama, proposes to make an 

equity investment in CBAA Services, Inc. (the Company), an 

Alabama Corporation, all of the stock of which is owned by The 

Community Bankers Association of Alabama, Inc. The 

Company is a non-profit entity providing services and 

promoting products for its members.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

648130 Coconut Grove Bank

2701 S. Bayshore Drive

Miami, Florida 33133

(305) 858-6666

02/23/2004 06/17/2004 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, June 19, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Town & Country Bank of Springfield, Springfield, Illinois, to 

establish a branch facility to be located at 2601 North Dirksen 

Parkway, Springfield, Illinois.*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

4(c)(8) Associated Banc Corp., Green Bay, Wisconsin, to acquire 100 

percent of the voting shares of First Federal Capital Corp., La 

Crosse, Wisconsin, and thereby indirectly acquire First Federal 

Capital Bank, La Crosse, Wisconsin, and thereby operate a 

savings association, and engage in credit insurance activities.

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(1) Central Wisconsin Financial Services, Inc., Wausau, Wisconsin, 

to become a bank holding company by acquiring 100 percent of 

the voting shares of Bank of Wausau, Wausau, Wisconsin.*

Fed Reg – 07/09/2004

Newspaper – N/Avail

CIC Notice by Darin J. Johnson, Sutherland, Iowa, to gain control of 

Old O'Brien Banc Shares, Inc., Sutherland, Iowa, and thereby 

indirectly Security State Bank, Sutherland, Iowa, and Hawarden 

Banking Company, Hawarden, Iowa.

Fed Reg – 05/26/2004

Newspaper – N/Avail

3(a)(3) Parkway Bancorp, Inc., Harwood Heights, Illinois, to acquire 

100 percent of the voting shares of United Arizona Bank, 

National Association, Cave Creek, Arizona.*

Fed Reg – 06/07/2004

Newspaper – N/Avail

CIC Notice by Paul E. Menzel, Hartland, Wisconsin, to retain 19.32 

percent of Ridgestone Financial Services, Inc., Brookfield, 

Wisconsin, and thereby indirectly control Ridgestone Bank, 

Brookfield, Wisconsin.

Fed Reg – 06/03/2004

Newspaper – N/Avail

3(a)(3) Wintrust Financial Corporation, Lake Forest, Illinois, to acquire 

100 percent of the voting shares of Northview Financial 

Corporation, Northfield, Illinois, and thereby indirectly acquire 

Northview Bank & Trust, Northfield, Illinois.*

Fed Reg – 07/06/2004

Newspaper – 07/05/2004

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

Type Application

Ending date of

comment period

None

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

Type Application

4(c)(8) East Dubuque Bancshares, Inc., East Dubuque, Illinois, proposes 

to continue extending credit and servicing loans.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

37949 Bank of Rantoul

201 E. Champaign

Rantoul, Illinois 61866

(217) 892-2143

12/01/2003 06/14/2004 O X

184142 Lapeer County Bank & Trust

83 W. Nepessing St.

Lapeer, Michigan 48446

(810) 664-2977

01/05/2004 06/18/2004 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, June 19, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Membership Bank of Bartlett, Bartlett, Tennessee, to become a member of the 

Federal Reserve System and to retain Bartlett Travel, Bartlett, 

Tennessee, as a financial subsidiary.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, June 19, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) & Branch Pioneer Bank, Mapleton, Minnesota, proposes to purchase the 

assets and assume the liabilities of the North Mankato, 

Minnesota, branch of the 21st Century Bank, Ham Lake, 

Minnesota, and incident thereto establish a branch at 1735 

Commerce Drive, North Mankato, Minnesota.*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) & 4(c)(8) Western Transaction Corporation, Duluth, Minnesota, to become 

a bank holding company by acquiring 100% of Western 

National Bank, Duluth, Minnesota; and 100% of Cass Lake 

Company, Duluth, Minnesota; and thereby indirectly acquiring 

The First National Bank of Cass Lake, Cass Lake, Minnesota. 

Applicant also proposes to acquire 100% of Premier Credit 

Corporation, Duluth, Minnesota, an industrial loan company, 

and, through Cass Lake Company, Duluth, Minnesota, to engage 

in insurance agency activities in a town with a population not 

exceeding 5,000.*

Fed Reg – 07/06/2004

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, June 19, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Central Bank of Missouri, Sedalia, Missouri, to establish a 

branch at the southeast corner of Big Bear Avenue and Range 

Line Road, Columbia, Missouri.

Newspaper – 06/26/2004

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

Type Application

Ending date of

comment period

3(a)(3) Pioneer Bancshares, Inc., Ponca City, Oklahoma, to acquire 4.99 

percent of the voting shares of Brazos Valley Bank, N.A., 

College Station, Texas (in organization).

Newspaper – N/Avail

Fed Reg – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, June 19, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC New Mexico First Financial, Inc., Voting Trust, Lucinda 

Loveless, Hondo, NM, et al, to acquire an interest in New 

Mexico First Financial, Inc., Dover, DE

Fed Reg – 07/08/2004

Newspaper – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

1447639 Bank of the West

500 North Mesa Street

El Paso, Texas 79901

02/23/2004 06/21/2004 O X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, June 19, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Nevada First Bank, Las Vegas, Nevada, to establish a branch 

facility at 4985 #B Kietzke Lane, Reno, Nevada.*

Newspaper – 06/20/2004

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

3(a)(5)(C) Pacific International Bancorp, Seattle, Washington, to become a 

bank holding company by acquiring at least 67 percent of 

Pacific International Bank, Seattle, Washington.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None