Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 4 

Week Ending January 25, 2003 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions January 19, 2003 to January 25, 2003 

Banks, Foreign 

Cooperatieve Centrale Raiffeisen-Boerenleenbank B.A., Rabobank Nederaland, Utrecht, 

The Netherlands -- commenter's request for reconsideration of the Board's approval of 

the application to acquire VIB Corp, El Centro, California, and Valley Independent Bank. 

- Denied, January 22, 2003 

Regulations And Policies 

Regulation H -- amendments to implement certain disclosure and reporting requirements 

for state member banks that directly issue public securities. 

- Approved, January 22, 2003 

Enforcement 

The Bank of Yellville, Yellville, Arkansas -- issuance of an order of assessment of a civil 

money penalty. 

- Announced, January 23, 2003 

Central State Bank, Calera, Alabama -- issuance of an order of assessment of a civil 

money penalty. 

- Announced, January 23, 2003 

La Salle State Bank, La Salle, Illinois -- issuance of an order of assessment of a civil 

money penalty. 

- Announced, January 23, 2003 

Simmons First Bank of Russellville, Russellville, Arkansas -- issuance of an order of 

assessment of a civil money penalty. 

- Announced, January 23, 2003 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority January 19, 2003 to January 25, 2003 

BS&R 

C&CA 

FOMC 

Banking Supervision and Regulation 

Consumer and Community Affairs 

Federal Open Market Committee 

RBOPS 

IF 

OSDM 

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

Bank Branches, Domestic 

Chicago 

First Midwest Bank, Itasca, Illinois -- to establish branches at 19305 Sandlake Road, 

Lindenhurst, and at the intersection of 179th Street and Wolf Road, Orland Park. 

- Approved, January 21, 2003 

Bank Holding Companies 

Chicago 

Advantage National Bancorp, Inc., Elk Grove Village, Illinois -- to become a bank 

holding company through the acquisition of Advantage National Bank. 

- Approved, January 24, 2003 

Atlanta 

Eagle National, Inc., Stockbridge, Georgia -- to become a bank holding company 

through the acquisition of Eagle National Bank. 

- Withdrawn, January 21, 2003 

General Counsel 

First Interstate BancSystem, Inc, Billings, Montana -- request for an exemption under the 

Depository Institutions Management Interlocks Act and Regulation L. 

- Granted, January 23, 2003 

St. Louis 

FSB Bancshares, Inc., Knoxville, Tennessee -- to become a bank holding company 

through the acquisition of First State Bank, Henderson. 

- Approved, January 24, 2003 

Kansas City 

Hometown Banc Corp, Grand Island, Nebraska -- to acquire shares of Five Points Bank 

of Hastings, Hastings, on its conversion from a federal savings bank to a state-chartered 

commercial bank. 

- Approved, January 24, 2003 

(AC) = Addition or Correction Delegated - Page 1 of 3 
H.2 Actions under delegated authority January 19, 2003 to January 25, 2003 

Banks, National 

Philadelphia 

MBNA America Bank, National Association, Wilmington, Delaware -- to make an 

additional investment in MBNA Canada Bank, Gloucester, Canada. 

- Withdrawn, January 22, 2003 

Banks, State Member 

Director, BS&R 

Old Kent Bank, Cincinnati, Ohio -- transfer agent registration in connection with the 

merger with Fifth Third Bank. 

- Withdrawn, January 23, 2003 

Change In Bank Control 

St. Louis 

Dix Bancshares, Inc., Dix, Illinois -- change in bank control. 

- Permitted, January 22, 2003 

Chicago 

Unionbancorp, Inc., Ottawa, Illinois -- changes in bank control. 

- Permitted, January 24, 2003 

Competitive Factors Reports 

Atlanta 

Englewood Bank, Englewood, Florida -- report on competitive factors of the proposal to 

retain control of Englewood Bank. 

- Submitted, January 22, 2003 

Minneapolis 

Midwest Bank, National Association, Parkers Prairie, Minnesota -- report on 

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

Baxter branch of Liberty Savings Bank, FSB, St. Cloud. 

- Submitted, January 21, 2003 

(AC) = Addition or Correction Delegated - Page 2 of 3 
H.2 Actions under delegated authority January 19, 2003 to January 25, 2003 

Competitive Factors Reports 

Richmond 

Planters Bank and Trust Company of Virginia, Staunton, Virginia -- report on competitive 

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

Harrisonburg branch of Second Bank & Trust Company, Culpeper. 

- Submitted, January 24, 2003 

Extensions Of Time 

Kansas City 

AmeriBank Holding Company, Inc., Collinsville, Oklahoma -- extension to May 7, 2003, 

to establish AmeriBank Mortgage Company, LLC and thereby engage in mortgage 

origination activities. 

- Granted, January 24, 2003 

Dallas 

Beltline Bancshares, Inc., Dallas, Texas, and Security Bank Holding Company, 

Wilmington, Delaware -- extension to April 22, 2003, to become bank holding 

companies through the acquisition of Security Bank, National Association, Garland. 

- Granted, January 21, 2003 

Financial Holding Companies 

New York 

Intervest Bancshares Corporation, New York, New York -- election to become a 

financial holding company. 

- Effective, January 23, 2003 

Chicago 

Kosciusko Financial, Inc., Mentone, Indiana -- election to become a financial holding 

company. 

- Effective, January 21, 2003 

Enforcement 

Director, BS&R 

Banco Popular de Puerto Rico, Hato Rey, Puerto Rico -- termination of a written 

agreement with the Federal Reserve Bank of New York. 

- Authorized, January 10, 2003 (AC) 

(AC) = Addition or Correction Delegated - Page 3 of 3 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, January 25, 2003 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satis factory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, January 25, 2003 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, January 25, 2003 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, January 25, 2003 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) Application by Chippewa Valley Bank, Ritttman, OH to merge Newspaper – N/Avail 

Branch with The Savings Bank & Trust Company, Orrville, OH and 

incident thereto establish branches.* 

* Subject to the provisions of the Community Reinvestment Act. 

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

Ending date of 

Type Application comment period 

CIC Change in control notice filed by David B. Cook, et al of intent 

to retain control of up to 10.49 percent of the outstanding voting 

shares of HFB Financial Corporation, Middlesboro, KY. 

Fed Reg – N/Avail 

Newspaper-N/Avail 

3(a)(5) Application by Wayne Bancorp, Inc., Wooster, OH to acquire 

Banc Services Corp., Orrville, OH.* 

Fed Reg – N/Avail 

Newspaper-2/17/2003 

*Subject to the provisions of the Community Reinvestment Act. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, January 25, 2003 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

4(c)(8) Friedman, Billings, Ramsey Group, Inc. (currently known as Fed Reg - 02/18/2003 

Forest Merger Corporation), and FBR TRS Holdings, Inc., both Newspaper - 02/11/2003 

of Arlington, Virginia, to acquire more than 5% of the voting 

shares of Hawthorne Financial Corporation, El Segundo, 

California, and thereby indirectly acquire Hawthorne Savings, 

F.S.B., El Segundo, California. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

3058329 Frederick County Bank 11/18/2002 01/22/2003 S X 

30 West Patrick Street 

Frederick, Maryland 21701 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, January 25, 2003 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

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

the intersection of Windward Parkway and Westfield Drive, 

Alpharetta, Georgia, to be known as the Windward Parkway 

West Office.* 

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

Freedom Parkway, east of Georgia Highway 400, Cumming, 

Georgia, to be known as the Keith Bridge Office.* 

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

1205 West Pratt Street, Baltimore, Maryland, to be known as the 

West Pratt Safeway In-Store Office.* 

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

located at the Dallas Highway, west of Barrett Parkway, 

Marietta, Georgia, to be known as the West Cobb Office.* 

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

located at the intersection of Holcomb Bridge and Ellard 

Drive, Alpharetta, Georgia, to be known as the Ellard 

Village Office.* 

Newspaper-01/29/2003 

Newspaper-01/29/2003 

Newspaper-01/30/2003 

Newspaper-01/29/2003 

Newspaper-01/29/2003 

*Subject to provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

CIC First Citizens Bankshares, Inc., Glennville, Georgia, prior 

change in control notification filed by Jeannie Kicklighter Beck, 

to acquire 1.5 percent of the outstanding shares of First Citizens 

Bankshares, Inc., Glennville, Georgia. Total pro forma 

ownership will be 26.1 percent. 

Newspaper-N/Avail 

Fed Reg-02/12/2003 

3(a)(1) Morton Bancorp, Inc., Morton, Mississippi, to become a bank 

holding company by acquiring Bank of Morton, Morton, 

Mississippi.* 

Newspaper-N/Avail 

Fed Reg-02/21/2003 
Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

3(a)(5) SouthTrust Corporation, Birmingham, Alabama, to merge with Newspaper-02/20/2003 

Founders Bancshares, Inc., and its subsidiary, Founders National Fed Reg-02/14/2003 

Bank, both of Dallas, Texas.* 

*Subject to provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 

Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 
Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, January 25, 2003 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Community Savings Bank, Robins, Iowa, to establish a branch 

office to be located at 2600 Edgewood Drive SW, Cedar Rapids, 

Iowa.* 

18C & Branches Unionbank, Streator, Illinois, to merge with Unionbank/Central, 

Princeton, Illinois, and thereby to establish branches at 601 

South Main Street, Princeton, Illinois; 109 W. Maple Street, 

Manlius, Illinois; 1839 North Main Street, Princeton, Illinois; 10 

Main Street, Tampico, Illinois, and 100 Main Street, Tiskilwa, 

Illinois.* 

Newspaper – 01/27/2003 

Newspaper – 01/22/2003 

* Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

CIC Notice by the Eldred 2002 Family Trust, Beloit, Wisconsin, and 

Co-Trustees Helen M. Eldred, Beloit, Wisconsin, Susan E. 

Boettcher, Wauwatosa, Wisconsin, Steven M. Eldred, Beloit, 

Wisconsin, and Richard J. Langer, Madison, Wisconsin, to 

acquire control of Centre 1 Bancorp, Inc., Beloit, Wisconsin, 

and thereby indirectly acquire First National Bank and Trust 

Company of Beloit, Beloit, Wisconsin. 

3(a)(5) First Mutual Bancorp of Illinois, Inc., Harvey, Illinois, to 

acquire 90 percent of the voting shares of Security Bancorp of 

Dupage, Inc., Naperville, Illinois, and thereby indirectly acquire 

Security Bank of Dupage, Naperville, Illinois.* 

3(a)(3) Standard Bancshares, Inc., Hickory Hills, Illinois, to acquire 100 

percent of the voting shares of East Side Bancorporation, Inc., 

Chicago, Illinois, and thereby indirectly acquire BankChicago, 

Chicago, Illinois.* 

Fed Reg – 02/10/2003 

Newspaper – N/Avail 

Fed Reg – 11/01/2002 

Newspaper – N/Avail 

Fed Reg – 02/21/2003 

Newspaper – N/Avail 

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

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 

Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

939436 Unionbank/Northwest 08/12/2002 01/21/2003 S X 

215 Jefferson 

Hanover, Illinois 61041 

(815) 591-2201 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, January 25, 2003 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, January 25, 2003 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

3(a)(1) American Eagle Financial Corporation, Albertville, Minnesota, 

to become a bank holding company by acquiring 100% of 

Riverview Community Bank, Otsego, Minnesota, a de novo 

bank.* 

3(a)(3) Bitterroot Holding Company, Lolo, Montana, to acquire 32.86% 

of the voting shares of West One Bank, Kalispell, Montana, a de 

novo bank.* 

3(a)(3) Ravalli County Bankshares, Inc., Hamilton, Montana, to acquire 

32.86% of the voting shares of West One Bank, Kalispell, 

Montana, a de novo bank.* 

Ending date of 

comment period 

Fed Reg – 02/20/2003 

Newspaper – 02/21/2003 

Fed Reg – 02/14/2003 

Newspaper – 02/18/2003 

Fed Reg – 02/14/2003 

Newspaper – 02/18/2003 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

Section IV – Applications not subject to Federal Register or newspaper no tice 

Type Application 

COM U.S. Bancorp, Minneapolis, Minnesota, requests relief from a 

commitment. 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, January 25, 2003 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) Pinnacle Bank, Papillion, Nebraska, to merge with First National 

Bank of Elwood, Elwood, Nebraska and to operate under the 

charter and title of Pinnacle Bank, Papillion, Nebraska. 

Newspaper - 02/01/2003 

Branch Community Banks of Southern Colorado, Rocky Ford, 

Colorado, to establish a mobile branch at 123 First Street, 

Pueblo, Colorado. 

Newspaper - 02/22/2003 

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

Ending date of 

Type Application comment period 

3(a)(1) Sundance State Bank Profit Sharing, Employee Stock Newspaper - 02/17/2003 

Ownership Plan and Trust, Sundance, Wyoming, to become a Fed Reg - 02/24/2003 

bank holding company through the acquisition of 28 percent of 

the voting shares of Sundance Bankshares, Inc., parent of 

Sundance State Bank, both of Sundance, Wyoming. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

Section IV – Applications not subject to Federal Register or ne wspaper 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 help ing meet the credit needs of its entire 

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

938653 First United Bank 10/21/2002 01/20/2003 S X 

8095 E. Belleview Avenue 

Englewood, Colorado 80111 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, January 25, 2003 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, January 25, 2003 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

FBSEA The Wakashio Bank, Ltd., Tokyo, Japan, to establish branch Newspaper – 02/20/2003 

offices in Los Angeles, California, San Francisco, California, and 

New York, New York, that will be opened under the name of 

Sumitomo Mitsui Banking Corporation.* 

* Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

CIC Notice by Alan Wilber Rolley, Dallas, Texas, and Blake Alan Rolley, 

Flagstaff, Arizona, acting in concert, to increase their ownership 

up to 33.06 percent of Arizona Bancshares, Inc., Flagstaff, 

Arizona.* 

Newspaper – N/Avail 

Fed Reg – 02/04/2003 

3(a)(1) The Wakashio Bank, Ltd., Tokyo, Japan, to become a bank holding 

company by acquiring 100 percent of Manufacturers Bank, Los 

Angeles, California.* 

Newspaper – 02/20/2003 

Fed Reg – 02/21/2003 

3(a)(1) Five Star Bancorp, Rocklin, California, to become a bank holding 

company by acquiring 100 percent of Five Star Bank, Rocklin, 

California.* 

Newspaper – 02/26/2003 

Fed Reg – 02/28/2003 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

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

Type Application 

None 

Section V – Availability of CRA public evaluations 

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

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

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

revised in May 1995. 

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

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

facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None