H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 28 

Week Ending July 9, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions July 3, 2005 to July 9, 2005 

Enforcement 

Frontier Bank, Everett, Washington -- consent order of assessment of a civil money 

penalty. 

- Announced, July 6, 2005 

Security Bank, Ralls, Texas -- consent order of assessment of a civil money penalty. 

- Announced, July 6, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority July 3, 2005 to July 9, 2005 

BS&R Banking Supervision and Regulation RBOPS Reserve Bank Operations and Payment Systems 

C&CA Consumer and Community Affairs IF International Finance 

FOMC Federal Open Market Committee OSDM Office of Staff Director for Management 

Bank Branches, Domestic 

St. Louis 

Bank of Lincoln County, Elsberry, Missouri -- to establish a branch at 4001 East 

Highway 47, Winfield. 

- Approved, July 6, 2005 

Atlanta 

Coconut Grove Bank, Miami, Florida -- to establish a branch at 20801 Biscayne 

Boulevard, Aventura. 

- Approved, July 8, 2005 

Richmond 

Farmers & Merchants Bank, Timberville, Virginia -- to establish a branch at the 

intersection of Routes 33 and 276, Penn Laird. 

- Approved, July 6, 2005 

Cleveland 

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 940 Sheraton Drive, 

Mars, Pennsylvania. 

- Approved, July 8, 2005 

Cleveland 

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 1669 Holt Road, 

Columbus. 

- Approved, July 8, 2005 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 6040 Stadium 

Drive, Kalamazoo. 

- Approved, July 8, 2005 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2805 10 Mile 

Road Northeast, Rockford. 

- Approved, July 8, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 7 
H.2 Actions under delegated authority July 3, 2005 to July 9, 2005 

Bank Branches, Domestic 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 3402 

Heartland Street, Marion, Illinois. 

- Approved, July 8, 2005 

Atlanta 

First Florida Bank, Naples, Florida -- to establish branches at 9200 Cockleshell 

Court, Bonita Springs, and 8931 Conference Drive, Suite 2, Fort Myers. 

- Approved, July 7, 2005 

Kansas City 

Peoples Bank, Oklahoma City, Oklahoma -- to establish a branch at 12401 North 

May Street. 

- Approved, July 8, 2005 

Richmond 

The Pleasants County Bank, St. Mary's, West Virginia -- to establish a branch at 

519 Riverview Drive, Belmont. 

- Approved, July 7, 2005 

Atlanta 

Regions Bank, Birmingham, Alabama -- to establish a branch at the northeast 

corner of Beltway 8 and Vista Road, Pasadena, Texas. 

- Approved, July 6, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish branches at 8701 U.S. Highway 19, 

Port Richey, Florida; 6192 Gunn Highway, Tampa; 1208 East Brandon Boulevard, 

Brandon; 3236 Barclay Avenue, Brooksville; and 2602 Jim L. Redman Parkway, 

Plant City. 

- Approved, July 8, 2005 

Bank Holding Companies 

Chicago 

Albany Bancshares, Inc., Albany, Illinois -- to acquire Hillsdale Development 

Corporation, Hillsdale, and thereby acquire Old Farmers & Merchants State Bank. 

- Approved, July 7, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 7 
H.2 Actions under delegated authority July 3, 2005 to July 9, 2005 

Bank Holding Companies 

Director, BS&R 

Capital One Bank (Europe) plc, London, England -- to make additional investments 

in Capital One Overseas Limited, Cayman Islands. 

- Approved, July 8, 2005 

St. Louis 

Evolve Financial Group, Inc., Memphis, Tennessee -- to become a bank holding 

company and to acquire Parkin Bancorp, Inc., Parkin, Arkansas, and thereby 

acquire First State Bank. 

- Approved, July 5, 2005 

Kansas City 

Firstier Bancorp, Cheyenne, Wyoming -- to become a bank holding company and to 

acquire Union Bank Corporation, Upton, and Union State Bank. 

- Withdrawn, July 8, 2005 

Atlanta 

GB Bank Group, Inc., Glennville, Georgia -- to become a bank holding company 

and to acquire Glennville Bank; and to merge with Tippins Bankshares, Inc., 

Claxton, and thereby acquire its subsidiary, Tippins Bank & Trust Company. 

- Approved, July 8, 2005 

Dallas 

Greater Southwest Bancshares, Inc., Irving, Texas -- to acquire The Bank of 

Vernon, Vernon. 

- Approved, July 8, 2005 

Minneapolis 

Menahga Bancshares, Inc., Menahga, Minnesota -- to acquire Sebeka Bancshares, 

Inc., Sebeka, and thereby acquire Security State Bank of Sebeka. 

- Approved, July 6, 2005 

Atlanta 

Mountain Valley Bancshares, Inc, Cleveland, Georgia -- to become a bank holding 

company and to acquire Mountain Valley Community Bank. 

- Approved, July 7, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 7 
H.2 Actions under delegated authority July 3, 2005 to July 9, 2005 

Bank Holding Companies 

New York 

New York Community Bancorp, Inc., Westbury, New York -- to acquire New York 

Commercial Bank, Flushing, through New York Community Bancorp's subsidiary, 

New York Community Bank. 

- Approved, July 8, 2005 

Chicago 

Oswego Community Bank Employee Stock Ownership Plan, Oswego, Illinois -- to 

increase its ownership from 35.98 percent to 51 percent of Oswego Bancshares, Inc. 

and thereby indirectly acquire Oswego Community Bank. 

- Approved, July 8, 2005 

Dallas 

Pilot Point Bancorp, Inc., ESOP, Pilot Point, Texas -- to become a bank holding 

company and to acquire 26.05 percent of the shares of Pilot Point Bancorp, Inc. and 

indirectly acquire PointBank. 

- Approved, July 6, 2005 

Minneapolis 

St. Joseph Bancshares Acquisitions, Inc., St. Joseph, Minnesota -- to become a bank 

holding company and to acquire St. Joseph Bancshares, Inc. and thereby acquire 

First State Bank of St. Joseph. 

- Approved, July 7, 2005 

St. Louis 

Trubank Securities Trust, St. Louis, Missouri -- to become a bank holding company 

and to acquire 25 percent of the shares of Truman Bancorp, Inc. and thereby acquire 

Truman Bank. 

- Approved, July 5, 2005 

San Francisco 

Washington Bancorp, Inc., Lynnwood, Washington -- to become a bank holding 

company and to acquire The Bank of Washington. 

- Approved, July 8, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 7 
H.2 Actions under delegated authority July 3, 2005 to July 9, 2005 

Bank Holding Companies 

San Francisco 

WSB Financial Group, Inc., Bremerton, Washington -- to become a bank holding 

company and to acquire Westsound Bank. 

- Approved, July 8, 2005 

Bank Premises 

Kansas City 

The Bank at Broadmoor, Colorado Springs, Colorado -- to increase its investment in 

bank premises. 

- Approved, July 8, 2005 

Change In Bank Control 

Richmond 

Citizens Community Bank, South Hill, Virginia -- change in bank control. 

- Permitted, July 5, 2005 

Kansas City 

Fairmont Farmers State Company, Fairmont, Nebraska -- change in bank control. 

- Permitted, July 8, 2005 

Atlanta 

FCB Bancshares, Inc., Cullman, Alabama -- change in bank control. 

- Permitted, July 8, 2005 

Minneapolis 

Ravalli County Bankshares, Inc., Hamilton, Montana -- change in bank control. 

- Permitted, July 7, 2005 

Minneapolis 

Walker Ban Co., Walker, Minnesota -- to retain control of Walker Ban Co. 

- Permitted, July 6, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 7 
H.2 Actions under delegated authority July 3, 2005 to July 9, 2005 

Competitive Factors Reports 

Philadelphia 

Commerce Bank, National Association, Cherry Hill, New Jersey -- report on 

competitive factors of the proposed purchase of certain assets and assumption of 

certain liabilities of the Fairfield and Norwalk, Connecticut, branches of Commerce 

Bank/Pennsylvania, National Association, Philadelphia, Pennsylvania. 

- Submitted, July 8, 2005 

Philadelphia 

Commerce Bank, National Association, Cherry Hill, New Jersey -- report on 

competitive factors of the proposed purchase of certain assets and assumption of 

certain liabilities of the Manassas, Virginia, branch of Commerce 

Bank/Pennsylvania, National Association, Philadelphia, Pennsylvania. 

- Submitted, July 8, 2005 

Kansas City 

Farmers State Bank, Cameron, Missouri -- report on competitive factors of the 

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

Maitland branch of UMB Bank, National Association, Kansas City. 

- Submitted, July 7, 2005 

Kansas City 

Farmers State Bank, Cameron, Missouri -- report on competitive factors of the 

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

Mound City branch of UMB Bank, National Association, Kansas City. 

- Submitted, July 7, 2005 

Secretary 

The First National Bank of Waverly, Waverly, Iowa -- report on competitive factors 

of the proposed merger with The First National Bank of Cedar Falls, Cedar Falls. 

- Submitted, July 5, 2005 

Secretary 

The Frost National Bank, San Antonio, Texas -- report on competitive factors of the 

proposed acquisition of Horizon Capital Bank, Houston. 

- Submitted, July 7, 2005 

(AC) = Addition or Correction Delegated - Page 6 of 7 
H.2 Actions under delegated authority July 3, 2005 to July 9, 2005 

Competitive Factors Reports 

San Francisco 

Mission Valley Bank, Sun Valley, California -- report on competitive factors of the 

proposed merger with MVB Merger Company. 

- Submitted, July 7, 2005 

Boston 

Newport Federal Savings Bank, Newport, Rhode Island -- report on competitive 

factors of the proposed acquisition of Westerly Savings Bank, Westerly. 

- Submitted, July 7, 2005 

Extensions Of Time 

Atlanta 

PrimeTrust Financial Corporation, Nashville, Tennessee -- extension to October 12, 

2005, to become a bank holding company and to acquire PrimeTrust Bank. 

- Granted, July 7, 2005 

Chicago 

Warren Bank, Warren, Michigan -- extension to November 6, 2005, to establish 

branches at 48800 Romeo Plank Road, Macomb Township, and 2032 - 19 Mile 

Road, Sterling Heights. 

- Granted, July 7, 2005 

Financial Holding Companies 

Atlanta 

City Savings Bancshares, Inc., Deridder, Louisiana -- election to become a financial 

holding company. 

- Effective, July 6, 2005 

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

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, July 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

Branch Northeast Bank, Auburn, Maine - to open a branch at 500 Canal 

Street, Lewiston, Maine

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1) Salem Five Bancorp, Salem, Massachusetts - to become a 

mutual bank holding company through the acquisition of 100% 

of Salem Five Cents Savings Bank, Salem, Massachusetts

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 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, July 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Banco Popular North America, New York, New York to 

establish an Interstate Branch at 4765 W. Cermak Road, 

Chicago, Illinois. 

Newspaper – 07/23/2005

FBSEA Deutsche Genossenschafts-Hypothekenbank AG, Hamburg, 

Germany, requests prior approval to establish a NY Rep Office.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

* 3A3 Adirondack Trust Company Employee Stock Ownership Trust, 

Saratogo Springs, New York to acquire 50 additional shares of 

473 Broadway Holding Corporation and to acquire one thousand 

additional shares of The Adirondack Trust Company, Saratoga 

Springs, New York..

Newspaper – 07/10/2005

Fed Reg – 07/22/2005

* 3A3 New York Private Bank and Trust and Emigrant Bancorp, both 

of New York, New York request prior approval to acquire all of 

the outstanding capital stock of each four new retail savings 

banks. The existing Emigrant Savings Bank, New York, NY 

will continue to serve its existing high net worth customer base.

Newspaper – N/Avail

Fed Reg – N/Avail

* Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4C8 Fubon Financial Holding Company, Taipei, Taiwan, to engage 

in certain limited securities activities through its indirect 

wholly-owned subsidiaries, Fubon Securities USA LLC and 

Fubon AssetManagement USA LLC, both from Pasadena, 

California.

Fed Reg – 07/21/2005
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, July 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

674513 Lebanon Valley Farmers Bank, 

Lebanon, PA

02/22/2005 06/30/2005 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, July 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

6615 Highland Rd., White Lake, MI

Newspaper – 07/09/2005

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

3120 South Boulevard, Bloomfield Hills, MI

Newspaper – 07/09/2005

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 102 

Lakeview Drive, Cross Lanes, WV

Newspaper – 06/29/2005

*Branch Notice by Wesbanco Bank, Inc., Wheeling, WV to establish a 

branch facility at 2359 East main St., Bexley, OH 43209

Newspaper – 07/15/2005

*Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC Notice by the Snyder Group of their intent to increase their 

ownership and thereby gain control of Merchants Bancorp of 

Pennsylvania, Inc., and indirectly, Merchants National Bank, 

both of Kittanning, PA

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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, July 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Cecil Federal Bank, Elkton, Maryland, to establish a branch at 

West Bel Air Avenue, Aberdeen, Maryland.*

Newspaper – 08/01/2005

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

CIC Notice of Change in Control filed by Charles Walters, Charles 

Walters Ltd Partnership, Roger Walters, Jacqueline Walters, 

James Walters, Phoenix Financial Holdings, Inc., and Walters 

Income Properties, LP as a group acting in concert to retain 

control of 12.9% of the voting shares of Independence 

Bancshares, Inc., Greenville, South Carolina.*

Fed Reg – 07/28/2005

Newspaper – 07/22/2005

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

24A Benchmark Community Bank, Kenbridge, Virginia, to increase 

its investment in bank premises.

24A The Bank of Marion, Marion, Virginia, to increase its investment in bank premises.
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

723822 Virginia Bank and Trust Company

336 Main Street

Danville, Virginia 24541

04/18/2005 07/03/2005 O X

2897763 Hanover Bank

7271 Hanover Green Drive

Mechanicsville, Virginia 23111

05/09/2005 07/09/2005 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, July 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Compass Bank, Birmingham, Alabama, to establish a branch in 

a kiosk at the Aurora Mall, located at 1420 East Alameda 

Avenue, Aurora, Colorado, to be known as the Aurora –

Alameda Branch.*

Newspaper – 07/15/2005

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

located at 1775 New Watermelon Road, Tuscaloosa, Alabama.*

Newspaper – 07/10/2005

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

located at 5050 Northgate Road, Rogers, Arkansas.*

Newspaper – 07/09/2005

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) Civic Bancorp, Nashville, Tennessee, to become a bank holding 

company by acquiring 100 percent of the outstanding shares of 

Civic Bank & Trust, Nashville, Tennessee (in organization).*

Newspaper – 08/02/2005

Fed Reg – 08/05/2005

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, July 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Community Bank of Boone, Boone, Iowa, to establish a branch 

facility to be located at 1750 Gateway Drive, Grimes, Iowa.

Newspaper – 07/01/2005

Branch Paramount Bank, Farmington Hills, Michigan, to establish a 

branch facility to be located at 39600 Garfield Road, Suite B, 

Clinton Township, Michigan.*

Newspaper – 07/16/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(5) Firstbank Corporation, Alma, Michigan, to acquire 100 percent 

of the voting shares of Keystone Financial Corporation, 

Kalamazoo, Michigan, and thereby indirectly acquire Keystone 

Community Bank, Kalamazoo, Michigan.*

Fed Reg – 07/25/2005

Newspaper – 07/23/2005

3(a)(1) Generations Bancorp, Inc., Waukesha, Wisconsin, to become a 

bank holding company by acquiring 100 percent of the voting 

shares of Foundations Bank (in organization), Waukesha, 

Wisconsin.*

Fed Reg – 07/22/2005

Newspaper – N/Avail

3(a)(1) Lamplighter Financial, MHC, Wauwatosa, Wisconsin and 

Wauwatosa Holdings, Inc., Wauwatosa, Wisconsin, to become a 

bank holding company by acquiring 100 percent of the voting 

shares of Wauwatosa Savings Bank, Wauwatosa, Wisconsin.*

Fed Reg – 07/15/2005

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

4(c)(8) Marshall & Ilsley Corporation, Milwaukee, Wisconsin, to 

acquire through its wholly-owned subsidiary, Metavante 

Corporation, 100 percent of the capital stock of GHR Systems, 

Inc., Wayne, Pennsylvania, and thereby engage in data 

processing and management consulting.

Fed Reg – N/Avail

4(c)(8) Marshall & Ilsley Corporation, Milwaukee, Wisconsin, to 

acquire through its wholly-owned subsidiary, Metavante 

Corporation, all of the limited liability company interests of 

TREEV LLC, Herndon, Virginia, and thereby engage in data 

processing and management consulting.

Fed Reg – 07/28/2005

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

231149 Security State Bank

25 N. Chestnut

New Hampton, Iowa 50659

(641) 394-3021

03/14/2005 06/30/2005 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, July 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3A3 Union Bankshares, Inc., Mena, Arkansas, to acquire 100 percent 

of First Paris Holding Company, Little Rock, Arkansas, and 

thereby indirectly acquire The First National Bank at Paris, 

Paris, Arkansas.*

Newspaper – 07/16/2005

Fed Reg – 08/08/2005

3A5 Home Bancshares, Inc, Conway, Arkansas, to acquire 100 

percent of Mountain View Bancshares, Inc., Mountain View, 

Arkansas, and thereby indirectly acquire Bank of Mountain 

View, Mountain View, Arkansas.*

Newspaper – 08/05/2005

Fed Reg – 08/08/2005

CIC Notice by Charles A. Hardcastle, Bowling Green, Kentucky, to 

gain control of Citizens First Corporation, Bowling Green,

Kentucky, (Previously submitted during the week ending July 2, 

2005).*

Newspaper – 07/20/2005

Fed Reg – 07/25/2005

3A1 Kirksville Bancorp, Inc., Kirksville, Missouri, to become a bank 

holding company by acquiring 100 percent of American Trust 

Bank, Kirksville, Missouri (in formation).*

Newspaper – N/Avail

Fed Reg – 08/05/2005

3A1 Security Associated Holding Corporation, Hot Springs, 

Arkansas, to become a bank holding company by acquiring 100 

percent of The Stephens Security Bank, Stephens, Arkansas.

Newspaper – 08/04/2005

Fed Reg – 08/05/2005

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

1007145 Bay Hermann Berger Bank

Hermann, Missouri

04/04/2005 07/01/2005 S X

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, July 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC David A. Callies, Howard, South Dakota; Charles L. 

Christensen, Arlington, South Dakota; Blaine M. Hoff, Volga, 

South Dakota; Craig H. Steen, Volga, South Dakota; Lyle S. 

Strande, Volga, South Dakota and Janelle M. Thompson, Bruce, 

South Dakota acting in concert, and Van Dusen Fishback, 

Brookings, South Dakota, as an individual, to gain control of 

North Central Financial Services, Inc., Volga, South Dakota and 

thereby indirectly gain control of First National Bank of Volga, 

Volga, South Dakota.

Fed Reg – 07/28/2005

Newspaper – 07/27/2005

3(a)(1) Vision Bancshares, Inc., St. Louis Park, Minnesota to become a 

bank holding company by acquiring 100 percent of Vision Bank, 

St. Louis Park, Minnesota, a bank in organization.*

Fed Reg – 07/28/2005

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, July 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Oregon Trail Bank, Guernsey, Wyoming, to establish a branch 

at 4007 Greenway Street, Cheyenne, Wyoming.

Newspaper – 07/15/2005

Branch FirsTier Bank (formerly known as Union State Bank), Upton, 

Wyoming, to establish a branch at 1508 Stillwater, Cheyenne, 

Wyoming.

Newspaper – 07/22/2005

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

Type Application

Ending date of

comment period

3(a)(1) Main Banc, Inc., Albuquerque, New Mexico, to become a bank 

holding company through the acquisition of 100 percent of the 

voting shares of InterAmerica Bank, both in Albuquerque, New 

Mexico.

Newspaper – N/Avail

Fed Reg – N/Avail

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

acquire up to 14.33 percent of the voting shares of Century 

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

Financial-Delaware, Inc., Wilmington, Delaware, parent of City 

National Bank, Kilgore, Texas.

Newspaper – N/Avail

Fed Reg – 07/30/2005

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

acquire up to 35.80 percent of the voting shares of Century 

Capital Financial, Inc., Kilgore, Texas, held through Morrill 

Bancshares, Inc., Merriam, Kansas.

Newspaper – N/Avail

Fed Reg – 07/30/2005

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

acquire up to 14.33 percent of the voting shares of Century 

Capital Financial, Inc., Kilgore, Texas, held through the 80.34 

percent ownership of FBC Financial Inc., Kilgore, Texas, by 

Morrill Bancshares, Inc., Merriam, Kansas.

Newspaper – N/Avail

Fed Reg – 07/30/2005

3(a)(3) Morrill Bancshares, Inc., Merriam, Kansas, to directly acquire 

up to 35.80 percent of the voting shares of Century Capital 

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

Financial-Delaware, Inc., Wilmington, Delaware, parent of City 

National Bank, Kilgore, Texas.

Newspaper – N/Avail

Fed Reg – 07/30/2005
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) Morrill Bancshares, Inc., Merriam, Kansas, to indirectly acquire 

up to 14.33 percent of the voting shares of Century Capital 

Financial, Inc., Kilgore, Texas, held through FBC Financial 

Corporation, Claremore, Oklahoma.

Newspaper – N/Avail

Fed Reg – 07/30/2005

3(a)(3) Davis Bancorporation, Inc., Davis, Oklahoma, to directly 

acquire up to 17.90 percent of the voting shares of Century 

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

Financial-Delaware, Inc., Wilmington, Delaware, parent of City 

National Bank, Kilgore, Texas.

Newspaper – N/Avail

Fed Reg – 07/30/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Investment in 

Bank Premises

Bank at Broadmoor, Colorado Springs, Colorado, to increase its 

investment in bank premises.

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 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, July 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch PlainsCapital Bank, Lubbock, TX, to establish a branch at 801b 

University Avenue, Lubbock, TX 79401.*

Newspaper – 07/14/2005

* Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

Section IV – Applications not subject to Fede ral Register or newspaper notice

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, July 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Eggemeyer Advisory Corp., WJR Corp., Castle Creek Capital 

LLC, Castle Creek Capital Partners Fund 1, LP, Castle Creek 

Capital Partners Fund IIa, LP, and Castle Creek Capital Partners 

Fund IIb, LP, all of Rancho Santa Fe, California, to indirectly 

acquire Heritage Financial Corporation, Granbury, Texas; and 

State National Bancshares, Inc., Forth Worth, Texas, to directly 

acquire 100 percent of Heritage Financial Corporation, 

Granbury, Texas, and thereby indirectly acquire Heritage 

Associated Services, Inc., Carson City, Nevada, and Heritage 

National Bank, Granbury, Texas.*

Newspaper – N/Avail

Fed Reg – 08/11/2005

3(a)(3) WJR Corp., Eggemeyer Advisory Corp., Castle Creek Capital 

LLC, Castle Creek Capital Partners Fund 1, LP, Castle Creek 

Capital Partners Fund IIa, LP, and Castle Creek Capital Partners 

Fund IIb, LP, all of Rancho Santa Fe, California, to indirectly 

acquire Heritage Financial Corporation, Granbury, Texas; and 

State National Bancshares, Inc., Forth Worth, Texas, to directly 

acquire 100 percent of Heritage Financial Corporation, 

Granbury, Texas, and thereby indirectly acquire Heritage 

Associated Services, Inc., Carson City, Nevada, and Heritage 

National Bank, Granbury, Texas.*

Newspaper – N/Avail

Fed Reg – 08/11/2005

3(a)(1) Mission Valley Bancorp, Sun Valley, California, to become a 

bank holding company by acquiring 100 percent of Mission 

Valley Bank, Sun Valley, California.*

Newspaper – N/Avail

Fed Reg – 08/08/2005

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

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None