Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 19

Week Ending May 8, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions May 2, 2004 to May 8, 2004

Regulations And Policies

Capital Treatment of Trust Preferred Securities -- proposed amendments to Regulations 

H and Y to allow the continued inclusion of outstanding and prospective issuances of trust 

preferred securities in the tier 1 capital of bank holding companies, subject to stricter 

limits and standards.

- Approved, May 4, 2004 

(AC) = Addition or Correction Board - Page 1 of 1
May 2, 2004 to May 8, 2004

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Bank of Jackson Hole, Jackson, Wyoming -- to establish a branch at 140 Highway 89, 

Alpine.

- Approved, May 6, 2004 

Kansas City

Comerica Bank, Detroit, Michigan -- to establish branches at 8660-26 Mile Road, 

Shelby Township; and 16700-26 Mile Road, Macomb Township.

- Approved, May 3, 2004 

Secretary

Harris Trust and Savings Bank, Chicago, Illinois -- to establish branches at 1300 South 

Wabash Street; 1636 East 55th Street; and the southeast corner of Ohio and Dearborn 

Streets; the southwest corner of Route 132 and Deep Lake Road, Lake Villa; and the 

northwest corner of 2nd Avenue and Laurel Street, Highland Park.

- Approved, May 5, 2004 

Chicago

JPMorgan Chase Bank, New York, New York -- to establish a branch at 35 Main 

Street, East Hampton.

- Approved, May 7, 2004 

New York

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish branches at East 

Allouez and CTH GV, Bellevue; Recker and East McKellips Roads, Mesa, Arizona; and 

9935 Hudson Place, Woodbury, Minnesota.

- Approved, May 5, 2004 

Chicago

Regions Bank, Birmingham, Alabama -- to establish a branch at 1805 Thomason Drive, 

Opelika.

- Approved, May 3, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 9
H.2 Actions under delegated authority May 2, 2004 to May 8, 2004

Bank Branches, Domestic

Sterling Bank, Lantana, Florida -- to establish a branch at 1201 South Andrews Avenue, 

Fort Lauderdale.

- Approved, May 6, 2004 

Atlanta

Warren Bank, Warren, Michigan -- to establish a branch at 48750 Romeo Plank Road, 

Macomb Township, and 2030-19 Mile Road, Sterling Heights.

- Approved, May 6, 2004 

Chicago

Bank Holding Companies

Bank of Montreal, Montreal, Canada; Harris Financial Corp., Chicago, Illinois; and 

Harris Bankcorp, Inc. -- to acquire New Lenox Holding Company, New Lenox, and 

NLSB.

- Approved, May 3, 2004 

Chicago

Citizens Bancshares, Inc., Bluffton, Ohio -- to become a bank holding company and to 

acquire The Citizens National Bank.

- Approved, May 7, 2004 

Cleveland

Collinsville Savings Mutual Holding Company, Collinsville, Connecticut -- to become a 

bank holding company and to acquire Collinsville Savings Society.

- Approved, May 6, 2004 

Boston

CSBC Financial Corporation, Cropsey, Illinois -- to become a bank holding company 

and to acquire Citizens State Bank of Cropsey.

- Approved, May 6, 2004 

Chicago

First Busey Corporation, Urbana, Illinois -- to acquire First Capital Bankshares, Inc., 

Peoria, and First Capital Bank; and Community Bank of Lemont, Lemont.

- Approved, May 6, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 9
H.2 Actions under delegated authority May 2, 2004 to May 8, 2004

Bank Holding Companies

FSB Bancshares, Inc., Henderson, Tennessee -- to acquire shares of Merchants and 

Planters Bancshares, Inc., Toone, and thereby acquire Merchants and Planters Bank; and 

to merge with American City Bancorp, Inc., Tullahoma, and thereby acquire American 

City Bank.

- Approved, May 3, 2004 

St. Louis

Hilltop Community Bancorp, Inc., Summit, New Jersey -- to become a bank holding 

company and to acquire Hilltop Community Bank.

- Withdrawn, May 3, 2004 

New York

Lafayette Bancorp, Inc., Oxford, Mississippi -- to become a bank holding company and 

to acquire Oxford University Bank.

- Approved, May 7, 2004 

St. Louis

Lakeland Bancorp, Inc., Oak Ridge, New Jersey -- to acquire Newton Financial 

Corporation and Newton Trust Company.

- Approved, May 5, 2004 

New York

New Horizons Bancshares, Inc., East Ellijay, Georgia -- to become a bank holding 

company and to acquire New Horizons Bank, a de novo bank.

- Approved, May 6, 2004 

Atlanta

NSB Holdings, Inc., Macon, Georgia -- to become a bank holding company and to 

acquire New Southern Bank.

- Withdrawn, May 7, 2004 

Atlanta

SunSouth Bancshares, Inc., Dothan, Alabama -- to become a bank holding company and 

to acquire SunSouth Bank.

- Withdrawn, May 5, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 9
H.2 Actions under delegated authority May 2, 2004 to May 8, 2004

Bank Holding Companies

SunTrust Banks, Inc., Atlanta, Georgia, and Trusco Capital Management, Inc. -- to 

acquire Seix Investment Advisors, Inc., Woodcliff Lake, New Jersey, and thereby 

engage in financial and investment advisory activities.

- Approved, May 7, 2004 

Atlanta

United Community Bancshares, Inc., Morganfield, Kentucky -- to become a bank 

holding company and to acquire United Community Bank of West Kentucky, Inc.

- Approved, May 7, 2004 

St. Louis

Western Alliance Bancorporation, Las Vegas, Nevada -- to engage in permissible 

nonbanking activities through the acquisition of Miller/Russell & Associates, Phoenix, 

Arizona.

- Approved, May 6, 2004 

San Francisco

Bank Mergers

Gold Bank, Leawood, Kansas -- to merge with Gold Bank, Bradenton, Florida, and 

establish branches.

- Approved, May 4, 2004 

Kansas City

Harris Trust and Savings Bank, Chicago, Illinois -- to merge with Harris Bank Round 

Lake, Round Lake Heights, and thereby establish branches at 935 West Rollins Road, 

and 1310 South Route 12, Fox Lake.

- Approved, May 3, 2004 

Chicago

Whitaker Bank, Lexington, Kentucky -- to merge with State National Bank of Frankfort, 

Frankfort, and First National Bank & Trust Company, Georgetown.

- Approved, May 7, 2004 

Cleveland

(AC) = Addition or Correction Delegated - Page 4 of 9
H.2 Actions under delegated authority May 2, 2004 to May 8, 2004

Change In Bank Control

Executive Banking Corporation, Miami, Florida -- to retain control of Executive Banking 

Corporation and Executive National Bank.

- Permitted, May 4, 2004 

Atlanta

Wells Bancshares, Inc., Platte City, Missouri -- change in bank control.

- Withdrawn, May 5, 2004 

Kansas City

Competitive Factors Reports

Colonial Bank, National Association, Montgomery, Alabama -- report on competitive 

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

United Bank, Atmore; Omni National Bank, Fayetteville, North Carolina; Parish National 

Bank, Bogalusa, Louisiana; and Premier Community Bank of Southwest Florida, Fort 

Myers, Florida; two branches of Premier Community Bank, Venice; and six branches of 

Premier Community Bank of Florida, Largo.

- Submitted, May 4, 2004 

Atlanta

Delta Southern Bank, Ruleville, Mississippi -- report on competitive factors of the 

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

Clarksdale, Greenville, Webb, and Shelby branches of State Bank & Trust Company, 

Greenwood.

- Submitted, May 5, 2004 

St. Louis

First Collinsville Bank, Collinsville, Illinois -- report on competitive factors of the 

proposed merger with The Bank, Springfield, Missouri.

- Submitted, May 5, 2004 

St. Louis

Home State Bank, Loveland, Colorado -- report on competitive factors of the proposed 

merger with Home State Interim Bank.

- Submitted, May 7, 2004 

Kansas City

(AC) = Addition or Correction Delegated - Page 5 of 9
H.2 Actions under delegated authority May 2, 2004 to May 8, 2004

Competitive Factors Reports

Metropolitan National Bank, Springfield, Missouri -- report on competitive factors of the 

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

National Bank of McLeansboro, McLeansboro, Illinois.

- Submitted, May 3, 2004 

St. Louis

NorthStar Bank, Seattle, Washington -- report on competitive factors of the proposed 

merger with Interim NorthStar Bank.

- Submitted, May 3, 2004 

San Francisco

Omni National Bank, Fayetteville, North Carolina -- report on competitive factors of the 

proposed merger with Premier Community Bank, Venice, Florida.

- Submitted, May 6, 2004 

Richmond

Parish National Bank, Bogalusa, Louisiana -- report on competitive factors of the 

proposed merger with Premier Community Bank of Florida, Largo, Florida.

- Submitted, May 7, 2004 

Atlanta

Security National Bank of Omaha, Omaha, Nebraska -- reports on competitive factors 

of the proposed merger with Kirkpatrick Pettis Trust Company.

- Submitted, May 7, 2004 

Kansas City

Sunflower Bank, National Association, Salina, Kansas -- report on competitive factors of 

the proposed merger with Citizens State Bank, Liberal.

- Submitted, May 7, 2004 

Kansas City

TierOne Bank, Lincoln, Nebraska -- report on competitive factors of the proposed 

merger with United Nebraska Bank, Grand Island.

- Submitted, May 7, 2004 

Kansas City

(AC) = Addition or Correction Delegated - Page 6 of 9
H.2 Actions under delegated authority May 2, 2004 to May 8, 2004

Competitive Factors Reports

Umpqua Bank, Roseburg, Oregon -- report on competitive factors of the proposed 

merger with Humboldt Bank, Eureka, California.

- Submitted, May 7, 2004 

San Francisco

Wachovia Trust Company, National Association, Wilmington, Delaware -- report on 

competitive factors of the proposed merger with Delaware Trust Capital Management, 

Inc.

- Submitted, May 6, 2004 

Richmond

Washington County Bank, Blair, Nebraska -- report on competitive factors of the 

proposed merger with Burt County State Bank, Tekamah.

- Submitted, May 7, 2004 

Kansas City

Extensions Of Time

First Bank & Trust, Evanston, Illinois -- extension to October 18, 2004, to establish a 

branch at 824 Emerson Street.

- Granted, May 3, 2004 

Chicago

Hometown Bancshares, Inc., Hamilton, Alabama -- extension to August 23, 2004, to 

become a bank holding company and to acquire PeoplesTrust Bank, a de novo bank.

- Granted, May 4, 2004 

Atlanta

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to August 4, 2004, to 

establish branches at Houghton Road and Broadway Boulevard, Tucson, Arizona; 13926 

West Bell Road, Surprise; 91st Avenue and Union Hills Drive, Peoria; and Coratra and 

Silverbell Roads, Catalina.

- Granted, May 6, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 7 of 9
H.2 Actions under delegated authority May 2, 2004 to May 8, 2004

Extensions Of Time

Merchants & Manufacturers Bancorporation, Inc., Brookfield, Wisconsin, and 

Merchants Merger Corp. -- extension to August 21, 2004, to acquire Random Lake 

Bancorp, Limited, Random Lake, and thereby acquire Wisconsin State Bank.

- Granted, May 5, 2004 

Chicago

Financial Holding Companies

Cardinal Financial Corporation, McLean, Virginia -- election to become a financial 

holding company.

- Effective, May 6, 2004 

Richmond

Community Bancorp, Las Vegas, Nevada -- election to become a financial holding 

company.

- Effective, May 5, 2004 

San Francisco

Membership

Mercantile Bank and Trust Company, Boston, Massachusetts -- to become a member of 

the Federal Reserve System.

- Approved, May 6, 2004 

Boston

Morehead Bank, Morehead, Kentucky -- to become a member of the Federal Reserve 

System.

- Approved, May 3, 2004 

Cleveland

Mount Sterling Bank, Mount Sterling, Kentucky -- to become a member of the Federal 

Reserve System.

- Approved, May 3, 2004 

Cleveland

(AC) = Addition or Correction Delegated - Page 8 of 9
H.2 Actions under delegated authority May 2, 2004 to May 8, 2004

Membership

Peoples Bank & Trust Company of Madison County, Berea, Kentucky -- to become a 

member of the Federal Reserve System.

- Approved, May 3, 2004 

Cleveland

Whitaker Bank, Lexington, Kentucky -- to become a member of the Federal Reserve 

System.

- Approved, May 3, 2004 

Cleveland

Regulations And Policies

Regulation CC -- technical amendments to appendix A to reflect the restructuring of 

check processing operations in the Dallas Federal Reserve District (Docket No. R-1192).

- Approved, May 4, 2004 

Secretary

(AC) = Addition or Correction Delegated - Page 9 of 9
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, May 8, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, May 8, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Royal Bank of Canada, Montreal, Canada, to upgrade its Miami, 

Florida Agency to a Federal Branch.

Newspaper – 05/26/2004

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

Type Application

Ending date of

comment period

4C8 Popular Inc. and Popular International Bank, both of San Juan 

Puerto Rico, and Popular North America, Mount Laurel, New 

Jersey, to acquire indirect control of Quaker City , Bancorp,

Whittier, California . 

Newspaper – 05/31/2004

Fed Reg – 04/28/2004

3A1 Hilltop Community Bancorp, Inc., Summit, New Jersey, to 

become a bank holding company through the acquisition of 100 

percent of the outstanding shares of Hilltop Community Bank, 

Summit, New Jersey.

Newspaper – 06/02/2004

Fed Reg – 05/17/2004

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

3A1 First American International Bank, Brooklyn, New York, to 

become a one bank holding company with respect to First 

American International Bank, Brooklyn, New York.
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, May 8, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

140018 Lafayette Ambassador Bank 12/01/2003 04/26/2004 O 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, May 8, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Fifth Third Bank, Grand Rapids, MI to establish a branch at 900 

Beasley Street, Lexington, KY.

Newspaper – 05/01/2004

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

49895 Grand River Avenue, Wixom, MI.

Newspaper – 05/01/2004

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

1402 South Route 12, Fox Lake, IL.

Newspaper – 05/01/2004

*Branch North Side Bank and Trust Company, Cincinnati, Ohio to 

establish a branch at 11628 Springfield Pike, Springdale, OH

Newspaper – 05/10/2004

*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 of Change in Bank Control by Susan Neff, Robert Neff, 

Ryan Neff, Heather Neff and Jennifer Neff-Markwell 

(collectively known as the "Neff Family" of their intent to retain 

control of 25 percent or more of the outstanding shares of The 

Citizens Bancorp, Morehead, Kentucky.

Newspaper – 05/17/2004

Fed Reg – 05/19/2004

CIC Notice of Change in Bank Control by the Clay and Bernice 

Corman Family Control Group, Nicholasville, Kentucky, to 

retain 17.78% of the voting shares of Citizens National 

Bancshares, Inc., Nicholasville, Kentucky.

Newspaper – 04/14/2004

Fed Reg – 04/19/2004

*18(c), *Branch Community First Bank & Trust, Celina, Ohio, to merge with 

Indiana Lawrence Bank, North Manchester, IN and The Clyde 

Savings Bank, Clyde, OH, pursuant to Section 18(c) of the 

Federal Deposit Insurance Act and incident thereto establish 

branches pursuant to Section 9 of the Federal Reserve Act.

Newspaper – N/Avail

Fed Reg – N/Avail

CIC Notice by the Elder Group and Deborah Bagenstose, Columbus, 

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

Ohio.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

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

8430 Windfall Lane, Camby, IN.

Newspaper – N/Avail

Fed Reg – N/Avail

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

Broadview Road and Royalton Road, Broadview Hts., OH.

Newspaper – N/Avail

Fed Reg – N/Avail

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 5067 

Portage Street, N.W., North Canton, OH.

Newspaper – N/Avail

Fed Reg – N/Avail

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 15530 

South Telegraph Road, Monroe, MI.

Newspaper – N/Avail

Fed Reg – N/Avail

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 3739 

Navarre Avenue, Oregon, OH.

Newspaper – N/Avail

Fed Reg – N/Avail

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

Garfield Road and South Bissell Road, Aurora, OH.

Newspaper – N/Avail

Fed Reg – N/Avail

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

northeast corner of State Route 747 and Union Center 

Boulevard, West Chester, OH.

Newspaper – N/Avail

Fed Reg – N/Avail

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

southeast corner of Snow Road and Delores Boulevard, 

Brookpark, OH.

Newspaper – N/Avail

Fed Reg – N/Avail

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

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

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

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

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

10.56% of the total shares outstanding.

Newspaper – N/Avail

Fed Reg – N/Avail

*3(a)(5) Huntington Bancshares Incorporated, Columbus, Ohio, to 

acquire Unizan Financial Corp, Canton, Ohio.

Newspaper – 04/28/2004

Fed Reg – 04/23/2004

*3(a)(5), 4(c)(8) National City Corporation, Cleveland, Ohio, to acquire 100 

percent of Provident Financial Group, Inc., Cincinnati, Ohio, 

and thereby indirectly acquire Provident Bank, Cincinnati, Ohio.

Newspaper – 03/22/2004

Fed Reg – 03/19/2004

*18(c), 3(a)(1) North Valley Bancshares, Inc., Zanesville, OH to acquire North 

Valley Bank, Zanesville, OH pursuant to Section 3(a)(1) of the 

Bank Holding Company Act and North Valley Bank, Zanesville, 

OH to merge with North Valley Interim Bank, Zanesville, OH 

pursuant to Section 18(c) of the Federal Deposit Insurance Act.

Newspaper – 05/08/2004

Fed Reg – N/Avail

*18(c), *3(a)(5), 

*Branch

Sky Financial Group, Inc., Bowling Green, Ohio, to acquire 

Second Bancorp, Incorporated, Warren, Ohio.

Newspaper – 04/26/2004

Fed Reg – N/Avail

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

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

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, May 8, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, May 8, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch BankEast, Gainesboro, Tennessee, to establish a branch located 

at 218 East Broadway Avenue, Maryville, Tennessee.*

Newspaper – N/Avail

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

located at the southwest corner of Churchill Drive & FM 2499, 

Flower Mound, Texas.*

Newspaper – N/Avail

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

5190 S. John Young Parkway, Orlando, Florida, to be known as 

the John Young/Conroy Office.*

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)(1) Flint River Bancshares, Inc., Camilla, Georgia, to become a 

bank holding company by acquiring 100 percent of Flint River 

National Bank, Camilla, Georgia.*

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1) SunSouth Bancshares, Inc., Dothan, Alabama (formerly M 

Bancshares), to become a bank holding company by acquiring 

100 percent of SunSouth Bank, Dothan, Alabama.*

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

State Member 

Other

SunTrust Bank, Atlanta, Georgia, requests after-the-fact 

approval to invest 7.53 percent of its capital stock and surplus in 

community development projects. In addition, SunTrust Bank 

requests prior approval to invest an additional 1.24 percent of its 

capital stock and surplus in community development projects, 

which will increase the total investment in community

development projects to 8.77 percent of 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

497039 Commercial Bank

Post Office Box 400

Harrogate, Tennessee 37752

(423) 869-5151

01/12/2004 05/02/2004 O X

581237 First Navy Bank

180 Taylor Road

Pensacola, Florida 32508

(850) 453-3411

01/12/2004 05/02/2004 S X
Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, May 8, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C Community Bank (in organization), Austin, Minnesota, to 

purchase the assets and assume the liabilities of the Austin, 

Minnesota branch of Security Bank Minnesota, Albert Lea, 

Minnesota.*

Newspaper – 05/06/2004

Branch M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, to 

establish branch facilities to be located at Wisconsin Dells 

Parkway and Meadowview, Lake Delton, Wisconsin; Crismon 

and Baseline Road, Mesa, Arizona; Rittenhouse and Ellsworth 

Road, Queen Creek, Arizona; Scottsdale and Deer Valley Road, 

Scottsdale, Arizona; First Avenue and Oracle Road, Oro Valley, 

Arizona; and Highway 303 and Bell Road, Surprise, Arizona.*

Newspaper – N/Avail

Branch Old Second Bank – Kane County, Elburn, Illinois, to establish a 

branch facility to be located at 1000 A South State Street, 

Hampshire, Illinois.*

Newspaper – 05/07/2004

Branch Quad City Bank and Trust Company, Bettendorf, Iowa, to 

establish a branch facility to be located at 1700 Division Street, 

Davenport, Iowa.*

Newspaper – 05/12/2004

* 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

3(a)(3) Community National Bancorporation, Waterloo, Iowa, to 

acquire 100 percent of Community Bank (In Organization), 

Austin, Minnesota.*

Fed Reg – N/Avail

Newspaper – 05/06/2004

3(a)(5) Independent Bank Corporation, Ionia, Michigan, to acquire 

through merger North Bancorp, Inc., Gaylord, Michigan and 

thereby indirectly acquire First National Bank of Gaylord, 

Gaylord, Michigan and immediately merge with and into IBC's 

subsidiary, Independent Bank, Bay City, Michigan.*

Fed Reg – 05/06/2004

Newspaper – N/Avail

3(a)(3) Koss-Winn Bancshares, Inc. ESOP with 401 K provisions, 

Buffalo Center, Iowa, to acquire additional shares of Koss-Winn 

Bancshares, Inc., Buffalo Center, Iowa, and thereby indirectly 

acquire Farmers Trust & Savings Bank, Buffalo Center, Iowa.*

Fed Reg – 06/03/2004

Newspaper – 05/29/2004
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) MCB Bankshares, Inc., Middleton, Wisconsin, to become a bank 

holding company by acquiring 100 percent of the voting shares

of Middleton Community Bank, Middleton, Wisconsin.*

Fed Reg – 05/27/2004

Newspaper – N/Avail

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

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

indirectly Security State Bank, Sutherland, Iowa, and Hawarden 

Banking Company, Hawarden, Iowa.

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notice by Marantz Investment, L.P., Springfield, Illinois, Tom 

E. Marantz, Springfield, Ilinois, Natalie K. Marantz, Springfield, 

Illinois, Marla J. Marantz, Springfield, Missouri, Melissa J. 

Hayner, Springfield, Illinois, Tom E. Marantz as Trustee for the 

Marla Marantz Trust, Tom E. Marantz as Trustee for the Tom 

Marantz Trust, Marla J. Marantz as Trustee for the Marla 

Marantz Irrevocable Trust, Gregory R. Marantz, Springfield, 

Illinois, Jennifer A. Marantz, Springfield, Illinois, and Elizabeth 

M. Saltzman, Springfield, Missouri, to retain 33.9 percent of the 

common shares outstanding of Spring Bancorp, Inc., 

Springfield, Illinois, and thereby indirectly control Bank of 

Springfield, Springfield, Illinois, and Bank of Jacksonville, 

Jacksonville, Illinois.

Fed Reg – 05/24/2004

Newspaper – 05/05/2004

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

to acquire, indirectly through its subsidiary, Metavante 

Corporation, certain of the assets of The Kirchman Corporation, 

Altamonte Springs, Florida, and thereby engage in data 

processing activities and management consulting.

Fed Reg – 05/21/2004

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

Type Application

Membership Community Bank (in organization), Austin, Minnesota, 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 Third Quarter of 2004

Institution Location

Bank of Pontiac Pontiac, Illinois

Rushville State Bank Rushville, Illinois

Irwin Union Bank and Trust Company Columbus, Indiana

Demotte State Bank Demotte, Indiana

Community Bank of Boone Boone, Iowa

Farmers and Merchants Savings Bank Manchester, Iowa

The First Trust and Savings Bank Marcus, Iowa

F&M Bank – Central Iowa Marshalltown, Iowa

Chemical Bank and Trust Company Midland, Michigan

ChoiceOne Bank Sparta, Michigan

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances.
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, May 8, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3A3 First Banks, Inc., St. Louis, Missouri, to acquire 100 percent of 

Continental Mortgage Corporation - Delaware, Aurora, Illinois, 

and thereby indirectly acquire Continental Community Bank and 

Trust Company, Aurora, Illinois.*

Newspaper – 06/07/2004

Fed Reg – 06/07/2004

3A3 Porter Bancorp, Inc., Shepherdsville, Kentucky, to acquire 100 

percent of United Community Bank, Glasgow, Kentucky.*

Newspaper – 06/09/2004

Fed Reg – 06/07/2004

* 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

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, May 8, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC John Wesley Templer Sr. and Jacqueline Sue Templer, 

Amarillo, Texas, to acquire control of Western Dakota Holding 

Company, Timber Lake, South Dakota, and thereby indirectly 

acquire control of Western Dakota Bank, Timber Lake, South 

Dakota.

Newspaper – N/Avail

Fed Reg – 05/13/2004

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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, May 8, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) The State Bank, Winfield, Kansas, to purchase certain assets and 

assume certain liabilities of the Bank of Commerce, Udall, 

Kansas, and incident thereto, to establish a branch.

Newspaper – 06/03/2004

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

Type Application

Ending date of

comment period

3(a)(1) Centennial C Corp, Rancho Santa Fe, California, to become a 

bank holding company through the acquisition of 100 percent of 

the voting shares of Centennial Bank Holdings, Inc., Fort 

Collins, Colorado, parent of Centennial Bank of the West, Fort 

Collins, Colorado

Newspaper – N/Avail

Fed Reg – 06/03/2004

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

Membership Valley State Bank, Syracuse, Kansas, 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

2396604 Bank of Star Valley

384 Washington

Afton, Wyoming 83110

03/08/2004 05/06/2004 S X

603559 Farmers State Bank

110 W. State

Phillipsburg, Kansas 67664

02/02/2004 04/28/2004 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, May 8, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

3(a)(1) Royal Oaks Bancshares, Inc., Houston, TX, and

Royal Oaks Holdings of Delaware, Inc., Wilmington, DE,

to acquire Royal Oaks Bank, SSB, Houston, TX*

* Subject to the provisions of the Community Reinvestment Act
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, May 8, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

808260 Farmers & Merchants Bank of 

Central California

121 West Pine Street

Lodi, California 95240-2184

(209) 334-1101

01/20/2004 05/05/2004 O X

2688895 Central California Bank

14685 Mono Way

Sonora, CA 95370-9220

(209) 536-9900

12/08/2003 05/05/2004 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None