Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 52

Week Ending December 27, 2003

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 21, 2003 to December 27, 2003

Regulations And Policies

Privacy Notices -- advance notice of interagency proposed rulemaking to consider 

alternative forms of privacy notices provided under the Gramm-Leach-Bliley Act.

- Approved, November 20, 2003 (AC)

Enforcement

Canadian Imperial Bank of Commerce, Toronto, Ontario, Canada -- agreement with the 

Superintendent of Financial Institutions, Ottawa, and the Federal Reserve Bank of New 

York.

- Announced, December 22, 2003 

Combanc, Delphos, Ohio, and The Commercial Bank -- written agreement with the 

Federal Reserve Bank of Cleveland and the Ohio Division of Financial Institutions.

- Announced, December 24, 2003 

(AC) = Addition or Correction Board - Page 1 of 1
December 21, 2003 to December 27, 2003

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 971 Cassat Avenue, 

Jacksonville, Florida.

- Approved, December 24, 2003 

Atlanta

Bank of Orange County, Orange, California -- to establish a branch at 1101 East 

Orangewood Avenue, Anaheim.

- Approved, December 24, 2003 

Secretary

The Fauquier Bank, Warrenton, Virginia -- to establish a branch at 6207 Station Drive, 

Bealeton.

- Approved, December 23, 2003 

Richmond

First Premier Bank, Sioux Falls, South Dakota -- to establish a branch at 6701 West 41st 

Street.

- Approved, December 26, 2003 

Minneapolis

IBERIABANK, Lafayette, Louisiana -- to establish a branch at 320 Texas Street, 

Shreveport.

- Approved, December 22, 2003 

Atlanta

Texas State Bank, McAllen, Texas -- to establish a mobile branch.

- Approved, December 24, 2003 

Dallas

Tioga State Bank, Spencer, New York -- to establish branches at 525 Hooper Road, 

Endwell, and 1430 Front Street, Binghamton.

- Approved, December 24, 2003 

New York

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority December 21, 2003 to December 27, 2003

Bank Branches, Domestic

United Security Bank, Fresno, California -- to establish a branch at 855 M Street.

- Approved, December 24, 2003 

San Francisco

Bank Holding Companies

Alabama National BanCorporation, Birmingham, Alabama -- to merge with Indian River 

Banking Company, Vero Beach, Florida, and thereby acquire Indian River National Bank.

- Approved, December 23, 2003 

Secretary

Alliance Bancshares, Inc., Dalton, Georgia -- to become a bank holding company through 

the acquisition of Alliance National Bank.

- Approved, December 22, 2003 

Atlanta

Bank of America Corporation, Charlotte, North Carolina, and FleetBoston Financial 

Corporation, Boston, Massachusetts -- public meetings to be held Wednesday, January 

14, 2004, at 9:00 a.m. EST, at the Federal Reserve Bank of Boston, 600 Atlantic 

Avenue, Boston; and Friday, January 16, 2004, at 8:30 a.m. PST, at the Federal Reserve 

Bank of San Francisco, 101 Market Street, San Francisco, on the proposed merger of 

the companies.

- Announced, December 22, 2003 

General Counsel

BG Financial Group, Inc., Greeneville, Tennessee -- to become a bank holding company 

through the acquisition of Bank of Greeneville.

- Approved, December 23, 2003 

Atlanta

Exchange Company, Gibbon, Nebraska -- to acquire the assets of Ace Sales, Inc., 

Deshler, Kansas, and thereby engage in lending activities.

- Approved, December 24, 2003 

Kansas City

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority December 21, 2003 to December 27, 2003

Bank Holding Companies

Gateway Bancorporation, Inc., Minneapolis, Minnesota -- to become a bank holding 

company through the acquisition of Gateway Bank, Mendota Heights, a de novo bank.

- Approved, December 24, 2003 

Minneapolis

Minnwest Corporation, Minnetonka, Minnesota -- to acquire Minval, Inc., Slayton, and 

thereby engage in the sale of insurance in Slayton, Lake Wilson, and Tracy, towns with 

populations of less than 5,000.

- Approved, December 26, 2003 

Minneapolis

Patriot of Tennessee Corporation, Millington, Tennessee -- to become a bank holding 

company through the acquisition of Patriot Bank.

- Withdrawn, December 23, 2003 

St. Louis

Pinnacle Financial Partners, Inc., Nashville, Tennessee -- commitment waiver request.

- Granted, December 23, 2003 

Atlanta

Southern Community Financial Corporation, Winston-Salem, North Carolina -- to 

acquire The Community Bank, Pilot Mountain.

- Approved, December 24, 2003 

Richmond

SSB Management LLC, Wilber, Nebraska -- to acquire additional shares of Wilber Co.

- Approved, December 24, 2003 

Kansas City

Tennessee Commerce Bancorp, Inc., Franklin, Tennessee -- commitment waiver request.

- Withdrawn, December 23, 2003 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority December 21, 2003 to December 27, 2003

Bank Holding Companies

Thunder Bancorp, Inc., Sylvan Grove, Kansas -- to become a bank holding company 

through the acquisition of Beverly State Bank, Beverly, and to engage in insurance agency 

activity; and for Beverly State Bank to become a member of the Federal Reserve System.

- Withdrawn, December 23, 2003 

Kansas City

United Overseas Bank Limited, Singapore -- to engage de novo through UOB Global 

Equity Sales LLC in private placement services.

- Approved, December 22, 2003 

New York

United Overseas Bank Limited, Singapore -- to engage de novo through UOB Kay Hian 

Inc., New York, New York, in private placement and securities brokerage services.

- Approved, December 24, 2003 

New York

Bank Mergers

Exchange Bank of Northeast Missouri, Kahoka, Missouri -- to purchase the assets and 

assume the liabilities of the Lancaster, Queen City, and Shelbyville branches of Bank 

Midwest, N.A., Kansas City.

- Approved, December 23, 2003 

St. Louis

Change In Bank Control

Garnavillo Bank Corporation, Garnavillo, Iowa -- change in bank control.

- Permitted, December 22, 2003 

Chicago

Competitive Factors Reports

Greenpoint Bank, New York, New York -- report on competitive factors of the 

proposed purchase of certain assets and assumption of certain liabilities of The Trust 

Company of New Jersey, Jersey City, New Jersey.

- Submitted, December 23, 2003 

New York

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority December 21, 2003 to December 27, 2003

Competitive Factors Reports

The Merchants and Farmers Bank of Salisbury, Salisbury, Missouri -- report on 

competitive factors of the proposed acquisition of the Hardin branch of Bank Midwest, 

National Association, Kansas City.

- Submitted, December 23, 2003 

Secretary

Minnwest Bank Luverne, Luverne, Minnesota -- report on competitive factors of the 

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

Bank of Luverne.

- Submitted, December 23, 2003 

Minneapolis

Extensions Of Time

F.N.B. Corporation, Naples, Florida -- extension to April 11, 2004, to acquire shares of 

Sun Bancorp, Inc., Lewisburg, Pennsylvania, and Sun Bank.

- Granted, December 23, 2003 

Atlanta

Sky Financial Group, Inc., Bowling Green, Ohio -- extension of time to divest certain 

investments.

- Granted, December 26, 2003 

Cleveland

International Operations

Citibank, N.A., New York, New York, and Citibank Overseas Investment Corporation, 

New Castle, Delaware -- investment plan related to a reorganization of the ownership 

structure of Citibank's Asian and Australian subsidiaries and modification of the aggregate 

investment limit of Regulation K for Citibank Overseas Investment Corporation.

- Approved, December 23, 2003 

Director, BS&R

HSBC Bank USA, Buffalo, New York -- to amend the articles of association of its Edge 

corporation, HSBC Republic International Bank (Miami).

- Approved, December 22, 2003 

New York

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority December 21, 2003 to December 27, 2003

International Operations

Popular, Inc., Hato Rey, Puerto Rico, and Popular International Bank, Inc. -- waiver of 

remainder of notification period to make an additional investment.

- Granted, December 22, 2003 

Director, BS&R

Membership

Community National Bank of Tennessee, Lexington, Tennessee -- membership in the 

Federal Reserve System.

- Approved, December 22, 2003 

St. Louis

East Dubuque Savings Bank, Dubuque, Iowa -- membership in the Federal Reserve 

System.

- Approved, December 22, 2003 

Chicago

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

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, December 27, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Hampden Bancorp, MHC, Springfield, Massachusetts –

3(a)(1) to become a mutual bank holding company through 

the acquisition of 100% of the voting shares of Hampden 

Bank, successor to Hampden Savings Bank, both of 

Springfield, Massachusetts 

Newspaper – 01/19/2004

Fed Reg – 01/23/2004

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, December 27, 2003

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

4C8 Bayerische Hypo- Und Vereinsbank Aktiengesellschaft and 

Munchener Ruckversicherungs-Gesellschaft AG, both of 

Munich, Germany, to engage de novo, throught HVB Global 

Assets Company, L.P., in extending and servicing of loans or 

other extensions of credit.

Fed Reg – 01/19/2004

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 applic ation 

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, December 27, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(5) Fulton Financial Corporation, Lancaster, PA, to acquire 

Resource Bankshares Corporation, Virginia Beach, VA.

Newspaper – N/Avail

Fed Reg – 01/19/2004

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 newspape r 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, December 27, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Applications by Fifth Third Bank, Grand Rapids, Michigan, to 

establish branches at 33133 West 12 Mile Road, Farmington 

Hills, MI; 2301 Gezon Parkway, Wyoming, MI; 1190 West 

Argyle Street, Jackson, MI; 2112 Jolly Road, Okemos, MI; 1710 

Maple Avenue, Evanston, IL; 1 North Wacker Drive, Chicago, 

IL; 235 West Rand Road, Mt. Prospect, IL; 1366 South 

Milwaukee Avenue, Libertyville, IL; and 460 South Randall 

Road, South Elgin, IL, pursuant to Section 208.6 of Regulation 

H.

Newspaper - 12/19/2003

Branch Applications by Fifth Third Bank, Cincinnati, Ohio, to establish 

branches at 7700 Cox Road, West Chester, Ohio and 5100 Terra 

Firma Drive, Mason, Ohio, pursuant to Section 208.6 of 

Regulation H.

Newspaper - 12/25/2003

18(c) Application by The First State Bank of West Manchester, West 

Manchester, Ohio, ("First State") to acquire UMW Acquisition 

Corp, DeGraff, Ohio, an interim federally chartered savings 

association.

Newspaper - 12/20/2003

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

Type Application

Ending date of

comment period

3(a)(1) PSB Holdings, Inc., New Matamoras, Ohio, proposes to become 

a bank holding company through the acquisition of The Peoples 

Savings Bank, New Matamoras, Ohio.

Newspaper - 12/04/2003

Fed Reg - 12/01/2003

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 regula tors 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, December 27, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch RBC Centura Bank, Rocky Mount, North Carolina, to establish 

a branch at 1858 North Young Circle, Suite 5, Hollywood, 

Florida.*

Newspaper – 01/03/2004

Branch RBC Centura Bank, Rocky Mount, North Carolina, to establish 

a branch at 75 Fifth Street, NW, Suite 100, Atlanta, Georgia.*

Newspaper – 01/05/2004

Branch RBC Centura Bank, Rocky Mount, North Carolina, to establish 

a branch at 1064 Richard D. Sailors Parkway, Powder Springs, 

Georgia.*

Newspaper – 01/06/2004

*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

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

1356535 Capital Bank

109 Montague

Greenwood, South Carolina 29649

10/06/2003 12/26/2003 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, December 27, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) IBERIABANK, Lafayette, Louisiana, to merge with Alliance 

Bank of Baton Rouge, Baton Rouge, Louisiana.*

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)(3) Community Bancshares of Mississippi, Inc., Brandon, 

Mississippi, to acquire 100 percent of the outstanding shares of 

Security Bancshares, Inc., along with its subsidiary, Security 

Bank, both of Amory, Mississippi.*

Newspaper – 01/19/2004

Fed Reg – 01/16/2004

CIC Red River Bancshares, Inc., Alexandria, Louisiana, to retain 

10.05 percent of the outstanding shares of Red River 

Bancshares, Inc., and its subsidiary, Red River Bank, both of 

Alexandria, Louisiana.

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(3) Southwest Georgia Financial Corporation, Moultrie, Georgia, to 

acquire 100 percent of the outstanding shares of First Bank 

Holding Company, and its subsidiary, Sylvester Banking 

Company, both of Sylvester, Georgia.*

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

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

Type Application

Member Community Bank of West Georgia, Villa Rica, Georgia, to 

become a member of the Federal Reserve System.

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, December 27, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C & Branches Irwin Union Bank and Trust Company, Columbus, Indiana, to 

purchase certain assets and certain deposit and other liabilities of 

Irwin Union Bank, F.S.B., Louisville, Kentucky, and thereby to 

establish branches at 224 South 200 West, Suite 100, Salt Lake 

City, Utah, and 401 N. Buffalo, Suite 200, Las Vegas, Nevada.*

Newspaper – N/Avail

Branch Libertyville Bank & Trust Company, Libertyville, Illinois, 

to establish a branch facility to be located at 657-663 

O’Plaine Road, Gurnee, Illinois.*

Newspaper – 01/05/2004

Branch Libertyville Bank & Trust Company, Libertyville, Illinois, 

to establish a branch facility to be located at 345 South 

Milwaukee, Lake Villa, Illinois.*

Newspaper – 01/05/2004

* 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

CIC Notice by Steven Joseph Bonnet, East Dubuque, Illinois, to 

control 50.04 percent of East Dubuque Bancshares, Inc., 

Dubuque, Iowa, and thereby indirectly acquire East Dubuque 

Savings Bank, Dubuque, Iowa.

Fed Reg – 01/07/2004

Newspaper – N/Avail

3(a)(5) Fentura Financial, Inc., Fenton, Michigan, to merge with West 

Michigan Financial Corporation, Hudsonville, Michigan, and 

thereby indirectly acquire West Michigan Community Bank, 

Hudsonville, Michigan.*

Fed Reg – 01/09/2004

Newspaper – N/Avail

3(a)(1) Will County Bancorp, Inc., Shorewood, Illinois, to become a 

bank holding company by acquiring up to 100 percent of the 

voting shares of Bank of Shorewood, Shorewood, Illinois.*

Fed Reg – N/Avail 

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

4(c)(8) ICNB Financial Corporation, Ionia, Michigan, to invest in 

Legacy Trust (in organization), Grand Rapids, Michigan, and 

thereby to engage in trust company functions.

Fed Reg – 01/19/2004

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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, December 27, 2003

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

3A1 Pittsfield Community Bancorp, Inc., Pittsfield, Illinois, to 

become a bank holding company by acquiring 100 percent of 

Community Bank of Pittsfield, Pittsfield, Illinois, and 

Community State Bank of Plymouth, Plymouth, Illinois.*

Newspaper – N/Avail

Fed Reg – 01/23/2004

3A3 The Templar Fund, Inc., St. Louis, Missouri, to acquire up to 

43.7 percent of Truman Bancorp, Inc., St. Louis, Missouri, and 

thereby indirectly acquire Truman Bank, St. Louis, Missouri.*

Newspaper – N/Avail 

Fed Reg – 01/23/2004

* 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

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

909055 Peoples Bank & Trust Company

Troy, Missouri

09/08/2003 12/23/2003 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, December 27, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First American Bank & Trust, Madison, South Dakota, proposes 

to establish a branch at 832 St. Joseph Street, Rapid City, South 

Dakota.*

Newspaper – 11/26/2003

* 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 Change in control notice by Kent Evans Nyberg as trustee, 

Grand Rapids, Minnesota, to acquire control of First National 

Agency Company of Deer River, Deer River, Minnesota, and 

thereby indirectly acquire control of First National Bank of Deer 

River, Deer River, Minnesota.

Fed Reg-12/10/2003

Newspaper – 01/05/2004

CIC Change in control notice by Ronald G. Chamberlin, Eitzen, 

Minnesota to gain control of Eitzen Independents, Inc., Eitzen, 

Minnesota, and thereby indirectly gain control of Eitzen State 

Bank, Eitzen, Minnesota.

Fed Reg-01/12/2004

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

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, December 27, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) First Southwest Bancorporation, Inc., Alamosa, Colorado, to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of First Southwest Bank, Alamosa, 

Colorado (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

389059 Tilden Bank

2

nd & Center Streets

Tilden, Nebraska 68781

09/29/2003 12/26/2003 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, December 27, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C Texas State Bank, McAllen, TX, to acquire Community Bank 

and Trust, SSB, Beaumont, TX*

Newspaper – N/Avail

Branch Texas State Bank, McAllen, TX, to establish 31 branches in 

Texas*

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)(3) Sulphur Springs Bancshares, Inc., Sulphur Springs, TX, and

Sulphur Springs Delaware Financial Corporation, Dover, DE, to 

acquire Hawkins Financial Corporation, Hawkins, TX, Hawkins 

Delaware Financial Corporation, Wilmington, DE, and First 

State Bank, Hawkins, TX* 

Fed Reg – 01/22/2004

Newspaper – N/Avail

3(a)(1) Treaty Oak Holdings, Inc., Austin, TX, and Treaty Oak 

Bancorp, Inc., Austin, TX, to acquire Texline State Bank, 

Texline, TX*

Fed Reg – 01/23/2004

Newspaper – N/Avail

3(a)(1) Treaty Oak Bancorp, Inc., Austin, TX, to acquire Texline State 

Bank, Texline, TX*

Fed Reg – 01/23/2004

Newspaper – N/Avail

3(a)(5) Texas Regional Bancshares, Inc., McAllen, TX, and Texas 

Regional Delaware, Inc., Wilmington, DE, to acquire Southeast 

Texas Bancshares, Inc., Beaumont, TX, Texas Community 

Bancshares of Delaware, Inc., Wilmington, DE, and Community 

Bank and Trust, SSB, Beaumont, TX*

Fed Reg – 01/23/2004

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

Other SMB filing Security State Bank of Pecos, Pecos, TX, to increase its 

investment in TransPecos Development Corp., Pecos, TX, its 

wholly-owned community development corporation, from 

approximately 3.23 percent to 10 percent of its capital stock and 

surplus.

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, December 27, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Central California Bank, Sonora, California, to establish a 

branch facility to be located at 2525 McHenry Avenue, 

Modesto, California.*

Newspaper – 12/27/2003

18CBranch United Security Bank, Fresno, California, to merge with Taft 

National Bank, Taft, California, and to acquire two branches of 

target.*

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

CIC Notice by Arnold Clair Benton and Neva Clair Benton, Reno, 

Nevada, to increase their ownership up to 13.03 percent of 

Heritage Bancorp, Reno, Nevada.*

Newspaper – 12/24/2003

Fed Reg – 12/31/2003

* 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