Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 33

Week Ending August 14, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions August 8, 2004 to August 14, 2004

Discount Rates

Discount and Advance Rates -- increase in the primary credit rate from 2-1/4 percent to 

2-1/2 percent by twelve Federal Reserve Banks.

- Approved, August 10, 2004 

Forms

Forms -- final Board review to extend with revision the Interagency Notice of Change in 

Bank Control (FR 2081a), Interagency Notice of Change in Director or Senior Executive 

Officer (FR 2081b), and Interagency Biographical and Financial Report (FR 2081c).

- Approved, August 11, 2004 

(AC) = Addition or Correction Board - Page 1 of 1
August 8, 2004 to August 14, 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 Alabama, Birmingham, Alabama -- to establish a branch at 2123 Whitesburg 

Drive, Huntsville.

- Withdrawn, August 10, 2004 

Atlanta

The Bank of Floyd, Floyd, Virginia -- to establish a branch at 1634 West Main Street, 

Salem.

- Approved, August 11, 2004 

Richmond

Liberty Bank, South San Francisco, California -- to establish a branch at 251 Lytton 

Avenue, Palo Alto.

- Approved, August 11, 2004 

San Francisco

Oak Valley Community Bank, Oakdale, California -- to establish a branch at 2001 Geer 

Road, Turlock.

- Approved, August 9, 2004 

San Francisco

Old Line Bank, Waldorf, Maryland -- to establish a branch at 1641 State Route 3 North, 

Crofton.

- Approved, August 13, 2004 

Richmond

Solvay Bank, Solvay, New York -- to establish a branch at Glenn Crossing Plaza, 7421 

Oswego Road, Liverpool.

- Approved, August 13, 2004 

New York

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at 2401 Mount 

Vernon Avenue, Alexandria.

- Approved, August 12, 2004 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority August 8, 2004 to August 14, 2004

Bank Branches, Domestic

Warren Bank, Warren, Michigan -- to establish a branch at 31800 Van Dyke Avenue.

- Approved, August 12, 2004 

Chicago

Bank Holding Companies

Astra Financial Corporation, Prairie Village, Kansas -- to acquire shares of First Missouri 

Bancshares, Inc., Brookfield, Missouri, and thereby acquire First Missouri National Bank.

- Approved, August 12, 2004 

Kansas City

Austin Bancorp, Inc., Jacksonville, Texas -- for Austin Bancorp, Inc. and its parent 

holding companies, Jane Austin Chapman Limited Partnership, LP and JSA Family 

Limited Partnership, to acquire shares of First National Bank, Bullard.

- Approved, August 11, 2004 

Dallas

Boston Private Financial Holdings, Inc., Boston, Massachusetts -- to acquire an 

additional interest in Bingham, Osborn & Scarborough LLC, San Francisco, California.

- Approved, August 10, 2004 

Boston

Bridge Bancorp, San Jose, California -- to become a bank holding company and to 

acquire Bridge Bank, N.A.

- Approved, August 11, 2004 

San Francisco

Capital City Bank Group, Inc., Tallahassee, Florida -- to acquire Farmers & Merchants 

Bank, Dublin, Georgia, and for Capital City Bank, Tallahassee, to merge with Farmers & 

Merchants Bank and thereby establish branches.

- Approved, August 12, 2004 

Secretary

German American Bancorp, Jasper, Indiana -- to acquire shares of American Community 

Bancorp, Inc., Evansville, and thereby acquire Bank of Evansville, National Association.

- Approved, August 11, 2004 

St. Louis

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority August 8, 2004 to August 14, 2004

Bank Holding Companies

Morgan Bancorp, Inc., Hudson, Ohio -- to become a bank holding company and to 

acquire Morgan Bank, N.A.

- Approved, August 10, 2004 

Cleveland

Penn Liberty Financial Corp, Wayne, Pennsylvania -- to become a bank holding 

company and to acquire Penn Liberty Bank.

- Approved, August 9, 2004 

Philadelphia

Bank Mergers

Citizens Bank, Flint, Michigan -- to merge with F&M Bank-Wisconsin, Kaukauna, 

Wisconsin, and thereby establish branches.

- Approved, August 13, 2004 

Chicago

Community Banks of Colorado, Greenwood Village, Colorado -- to purchase certain 

assets and assume certain liabilities of Community Banks of the Rockies, La Jara, and 

thereby establish branches.

- Approved, August 13, 2004 

Kansas City

Farmers State Bank, Phillipsburg, Kansas -- to purchase certain assets and assume 

certain liabilities of the Phillipsburg branch of Landmark National Bank, Manhattan.

- Approved, August 13, 2004 

Kansas City

Change In Bank Control

Davenport Community Bancshares, Inc., Davenport, Nebraska -- change in bank control.

- Permitted, August 13, 2004 

Kansas City

Lismore Financial Services, Inc., Lismore, Minnesota -- change in bank control.

- Permitted, August 12, 2004 

Minneapolis

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority August 8, 2004 to August 14, 2004

Competitive Factors Reports

AccessBank, Clovis, New Mexico -- report on competitive factors of the proposed 

acquisition of the Sun City, Arizona branch of Matrix Capital Bank, Denver, Colorado.

- Submitted, August 10, 2004 

Kansas City

Berkshire Bank, Pittsfield, Massachusetts -- report on competitive factors of the 

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

Falls, New York branch of The National Bank of Vernon, Vernon.

- Submitted, August 9, 2004 

Boston

First Bank of Tennessee, Spring City, Tennessee -- report on competitive factors of the 

proposed merger with Peoples Bank of Polk County, Benton, in connection with a 

corporate reorganization.

- Submitted, August 13, 2004 

Atlanta

First National Bank South, Alma, Georgia -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Folkston branch of First 

National Bank, Savannah.

- Submitted, August 13, 2004 

Atlanta

First Niagara Commercial Bank, Troy, New York -- report on competitive factors of the 

proposed merger with Hudson River Commercial Bank, New York.

- Submitted, August 10, 2004 

New York

Provident Bank, Montebello, New York -- report on competitive factors of the proposed 

merger with The Warwick Savings Bank, Warwick, and The Towne Center Bank, Lodi, 

New Jersey.

- Submitted, August 10, 2004 

New York

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority August 8, 2004 to August 14, 2004

Competitive Factors Reports

Provident Municipal Bank, Montebello, New York -- report on competitive factors of the 

proposed merger with Warwick Commercial Bank, Warwick.

- Submitted, August 10, 2004 

New York

Extensions Of Time

American Community Bancorp, Inc., Evansville, Indiana -- extension to September 30, 

2004, to become a bank holding company and to acquire Bank of Evansville, National 

Association.

- Granted, August 13, 2004 

St. Louis

TexasBank, Fort Worth, Texas -- extension to November 11, 2004, to merge with 

Northwest National Bank of Arlington, Arlington, and thereby establish a branch.

- Granted, August 10, 2004 

Dallas

Thomas H. Olson Family Limited Partnership, Lisco, Nebraska -- extension of time to 

fulfill a commitment.

- Granted, August 11, 2004 

Kansas City

Membership

Providence Bank, LLC, South Holland, Illinois -- to become a member of the Federal 

Reserve System.

- Withdrawn, August 13, 2004 

Chicago

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on June 29-30, 2004.

- Published, August 12, 2004 

FOMC

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority August 8, 2004 to August 14, 2004

Regulations And Policies

Regulation Z (Truth in Lending) -- annual adjustment to the dollar amount that triggers 

additional disclosure requirements for home mortgage loans with fees above a certain 

amount (Docket No. R-1208).

- Approved, August 6, 2004 (AC)

Director, C&CA

Short-Term Interest Rates -- increase in the target for the federal funds rate from 1-1/4 

percent to 1-1/2 percent.

- Approved, August 10, 2004 

FOMC

(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, August 14, 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 4th Quarter of 2004

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, August 14, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

to establish a seasonal-use limited branch office at York 

Technical Institute, 3050 Hempland Road, East Hempfield 

Township, Lancaster County, Pennsylvania.

Newspaper – 08/28/2004

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

4C8 Arrow Financial Corporation, Glens Falls, New York, to acquire 

100 percent of Capital Financial Group, Inc., South Glens Falls, 

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, August 14, 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

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

The Pennsylvania State Banking, Company, Camp Hill, 

PA.

Newspaper – N/Avail

Fed Reg – 09/09/2004

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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, August 14, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

facility at 2300 Portage Road, Kalamazoo, Michigan

Newspaper – 08/25/2004

*Branch Fifth Third Bank, Cincinnati, Ohio to establish a branch facility 

at 7730 Brandt Pike, Dayton, Ohio

Newspaper – 08/26/2004

*Branch Sky Bank, Salineville, Ohio to establish a branch facility at The 

Clintonville Financial Center, 3416 North High Street, 

Columbus, Ohio

Newspaper – 08/17/2004

*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)(5) First Citizens Banc Corp, Sandusky, Ohio to acquire 100 percent 

of FNB Financial Corporation and its wholly-owned subsidiary, 

First National Bank of Shelby, both of Shelby, Ohio

Newspaper – N/Avail

Fed Reg – 08/12/2004

*3(a)(5) KeyCorp, Cleveland, Ohio to acquire Evertrust Financial Group, 

Inc., Everett, WA and its subsidiary, Evertrust Bank, Everett, 

WA, pursuant to sections 3(a)(5) of the Bank Holding Company 

Act

Newspaper – 09/08/2004

Fed Reg – 09/10/2004

*3(a)(5) & 4(c)(8) PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania, 

to acquire 100 percent of Riggs National Corporation, 

Washington, DC, and thereby indirectly acquire certain of its 

nonbank subsidiaries and Riggs Bank, N.A., McLean, Virginia

Newspaper – N/Avail

Fed Reg – N/Avail

*Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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 4th Quarter of 2004

Institution Location

North Side Bank and Trust Company 4125 Hamilton Avenue

Cincinnati, Ohio 45223

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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, August 14, 2004

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 801 Brickell Avenue, Suite 2100, Miami, Florida.*

Newspaper – 08/26/2004

Branch The First Bank and Trust Company, Lebanon, Virginia, to 

establish a branch at 1555 Commerce Road, Verona, Virginia.*

Newspaper – 08/27/2004

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

122 West Main Street, Cecilton, Maryland.*

Newspaper – 08/27/2004

*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 Control filed by William Ray Harris, Sr.,

Jean Wright Harris, Michael Wesley Harris, Florence Diane

Harris, Austin Ray Harris, Clayton Moore Harris, Matthew 

Wesley Harris, William Ray Harris, Jr., William Otis Hundley, 

Jr., Sandra Harris Hundley, and Joshua James Spain, all of 

Mineral, Virginia, to control up to 11.72% of the voting shares 

of Peoples Bank of Virginia, Richmond, Virginia.*

Fed Reg – 08/31/2004 

Newspaper – 08/31/2004

*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 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, August 14, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at 400 ft. north of Ronald Regan Parkway, on Highway 

123, Snellville, Georgia.*

Newspaper – 08/21/2004

Branch Riverside Bank of the Gulf Coast, Cape Coral, Florida, to 

establish a branch located at 9885 Collier Boulevard, Naples, 

Florida.*

Newspaper – 08/23/2004

18(c) Regions Bank, Birmingham, Alabama, to acquire certain 

liabilities of Union Planters Bank, N.A., Memphis, Tennessee. 

The liabilities assumed will be certain escrow accounts.*

Newspaper – 09/04/2004

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

located at 4175 Old Milton Parkway, Alpharetta, Georgia.*

Newspaper – 08/14/2004

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

located at 7237 Eastchase Parkway, Montgomery, Alabama.*

Newspaper – 08/14/2004

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

located at 700 Hyundai Boulevard, Montgomery, Alabama.*

Newspaper – 08/14/2004

Branch Sterling Bank, Lantana, Florida, to establish a branch located at 

550 S.E. 9th Street, Delray Beach, Florida.*

Newspaper – 08/18/2004

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

624 H Street, N.W. Washington, D.C., to be known as the 

Chinatown Office.*

Newspaper – 08/24/2004

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

43975 Pipeline Plaza, Ashburn, Virginia, to be known as the 

Ashburn Center Office.

Newspaper – 08/24/2004

*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) Great Financial Corporation, Miami Lakes, Florida, to become a 

bank holding company by acquiring 100 percent of the 

outstanding shares of Great Florida Bank, Miami, Florida.*

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

CIC SBT Bancshares, Inc., Golden Meadow, Louisiana, prior change 

in control notice by James Bernard Cantrelle, Raceland,

Louisiana, Albert Anthony Cheramie, Golden Meadow, 

Louisiana, Huey Joseph Cheramie, Cut Off, Louisiana, Eldon 

Joseph Frazier, Cut Off, Louisiana, and Walter Harold Maples, 

Grand Isle, Louisiana, to increase their collective ownership by 

45.45 percent of the outstanding shares of SBT Bancshares, Inc.,

and its subsidiary, State Bank & Trust Company, both of Golden 

Meadow, Louisiana. The total ownership will equal 100 percent.

Newspaper – N/Avail

Fed Reg – 08/31/2004

* 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 Trustmark National Bank, Jackson, Mississippi, to become a 

member of the Federal Reserve System, upon its conversion 

from a national bank to a state-chartered bank. The name will be 

Trustmark Bank.
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, August 14, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Comerica Bank, Detroit, Michigan, to establish a branch facility 

to be located at 35 N. Lake Avenue, Suite 120, Pasadena, 

California.*

Newspaper – 08/23/2004

Branch Comerica Bank, Detroit, Michigan, to establish a branch facility 

to be located at 2560 Dallas Parkway, Plano, Texas.*

Newspaper – 08/28/2004

18C & Branches Iowa State Bank, Hull, Iowa, to establish branch offices at 104 

1st Street SE, Orange City, Iowa, and 1201 Second Avenue,

Sheldon, Iowa, and thereby to establish branch offices at 104 1st 

Street SE, Orange City, Iowa, and 1201 Second 

Avenue,Sheldon, Iowa..*

Newspaper – N/Avail

Branch The Northern Trust Company, Chicago, Illinois, to retain its 

branch facility located at 250 S. Northwest Highway, Park 

Ridge, Illinois.*

Newspaper – 08/24/2004

Branch The Onsted State Bank, Onsted, Michigan, to establish a branch 

facility to be located at 112 South Main Street, Onsted, 

Michigan.*

Newspaper – 08/20/2004

Branch Warren Bank, Warren, Michigan, to establish a branch facility to 

be located at 31800 Van Dyke, Warren, Michigan.*

Newspaper – 08/05/2004

* 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

3(a)(3) Metropolitan Bank Group, Inc., Chicago, Illinois, to acquire 100 

percent of the voting shares of Allegiance Community Bank, 

Tinley Park, Illinois.*

Fed Reg – 09/13/2004

Newspaper – 09/09/2004

* 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, 100 percent of Response Data Corp., Parsippany, 

New Jersey, and thereby engage in data processing activities.

Fed Reg – 08/30/2004

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

Type Application

FBSEA ABN AMRO Bank N.V., Amsterdam, The Netherlands, to 

establish a temporary branch office to be located at ABN 

AMRO Plaza, 540 West Madison, Chicago, Illinois, pursuant to 

Section 211.24(a)(5) of Reg. K.

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, August 14, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C Branch Cass Commercial Bank, Bridgeton, Missouri, to merge with 

Franklin Bank of California, Orange, California, and to retain 

the acquired facility as a branch office.*

Newspaper – 09/06/2004

* 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

4c8 Cass Information Systems, Inc., Bridgeton, Missouri, to acquire 

100 percent of Franklin Bancorp, Orange, California, and 

thereby indirectly acquire Franklin Bank of California, Orange, 

California.*

Newspaper – 09/11/2004

Fed Reg – 09/10/2004

3A3 S.Y. Bancorp, Inc., Louisville, Kentucky, to acquire 9.9 percent 

of Indiana Business Bank, Indianapolis, Indiana (in formation). 

(Previously reported during the week ended August 7, 2004.)*

Newspaper – 09/06/2004

Fed Reg – 09/02/2004

CIC Notice by the James Stephen Turner control group, which 

consists of James Stephen Turner, the James Stephen Turner 

1994 trust, James Stephen Turner Trustee, and Judith Turner all 

of Nashville, Tennessee, to retain control of FNB Financial 

Corporation, Scottsville, Kentucky.

Newspaper – 08/31/2004

Fed Reg – N/Avail

CIC Notice by the Douglas E. Hazel Revocable Trust, with Douglas 

E. Hazel as trustee, Washington, Missouri (Douglas Trust), to 

become the largest individual shareholder of Cardinal Bancorp, 

Inc., St. Louis, Missouri. In addition, the Hazel Family, when 

acting as a group in concert, will gain control of Cardinal 

Bancorp. The Hazel Family consists of Douglas Trust, the 

Cynthia Hazel Gilbertson Revocable Trust, with Cynthia Hazel 

Gilbertson as trustee, Faribault, Minnesota, and Hazel 

Investments, Limited Partnership, Washington, Missouri.

(Previously reported during the weeks ending July 17, 2004 and 

July 31, 2004.) 

Newspaper – 08/23/2004

Fed Reg – 08/17/2004

* 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, August 14, 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

3(a)(3) Heritage Bancshares Group, Inc., Willmar, Minnesota, to 

acquire 100% of Raymond Bancshares, Inc., Raymond, 

Minnesota, and thereby indirectly acquire Farmers State 

Bank of Raymond, Raymond, Minnesota.*

Fed Reg – 08/27/2004

Newspaper – 09/03/2004

* 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

651457 First Security Bank of Malta 05/04/2004 08/06/2004 O X

Section VI – CRA examinations scheduled for 4

th Quarter of October 1, 2004 – December 31, 2004

Institution Location

Rocky Mountain Bank Billings, Montana

American State Bank of Pierre Pierre, South Dakota

The State Bank of Ewen Ewen, Michigan

State Bank of La Crosse La Crosse, Wisconsin

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. 

Examinations may have to be rescheduled during the calendar quarter in which they are designated to begin. If 

an institution’s examination is rescheduled for a date later than the end of the date range reflected in a published 

schedule, the institution’s name will be republished in an appropriate later listing. Any comments received, as a 

result of either the first publication or subsequent publications will be considered during the examination. 

Written comments regarding the CRA performance of these institutions should be directed to Mr. James A. 

Colwell at the Federal Reserve Bank of Minneapolis, Division of Supervision, Regulation, and Credit, P. O. Box 

291, Minneapolis, Minnesota 55480-0291.
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, August 14, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First State Bank N.M., Taos, New Mexico, to establish a branch 

at 490 East 500 South, Salt Lake City, Utah.

Newspaper – 08/10/2004

Branch Gold Bank, Leawood, Kansas, to establish a branch at the corner 

of Highway 152 and Interstate 35, Liberty, Missouri.

Newspaper – 08/25/2004

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

Type Application

Ending date of

comment period

3(a)(3) Wilber Co., Wilber, Nebraska, to acquire 100 percent of the 

voting shares of Hickman Corporation, Hickman, Nebraska, and 

thereby indirectly acquire First State Bank, Lincoln, Nebraska.

Newspaper – N/Avail

Fed Reg – 09/03/2004

3(a)(3) Wilber Co., Wilber, Nebraska, to acquire 100 percent of the 

voting shares of Yutan Bancorp., Inc., Yutan, Nebraska, and 

thereby indirectly acquire Bank of Yutan, Yutan, Nebraska.

Newspaper – N/Avail

Fed Reg – 09/03/2004

4(c)(8) Wilber Co., Wilber, Nebraska, to engage in insurance activities 

through the acquisition of Yutan Bancorp., Inc., Yutan, 

Nebraska, parent of Yutan Insurance Agency, Inc., Yutan, 

Nebraska.

Newspaper – N/Avail

Fed Reg – 09/03/2004

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

4(c)(8) Elkcorp, Inc., Clyde, Kansas, to engage in the sale of financial 

analysis software.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, August 14, 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

371362 Wellington State Bank

1000 8th Street

Wellington, Texas 79095

05/03/2004 08/14/2004 S X

Section VI – CRA examinations scheduled for Fourth Quarter of 2004

Institution Location

First State Bank

498456

101 West San Saba Street

Menard, Texas 76859

Texas Star Bank

274164

110 East Jefferson

Van Alstyne, Texas 75495

Van Horn State Bank

199463

100 East Broadway

Van Horn, Texas 79855

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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, August 14, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Farmers & Merchants Bank of Central California, Lodi, 

California, to establish a branch facility to be located at 1387 

North Lower Sacramento Road, Lodi, California.*

Newspaper – 08/17/2004

Branch Farmers & Merchants Bank of Central California, Lodi, 

California, to establish a branch facility to be located at 4612 

McGaw Street, Stockton, California.* 

Newspaper – 08/16/2004

* 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

697763 Westamerica Bank

4550 Mangels Boulevard

Fairfield, California 94585

(707) 863-6801

04/12/2004 08/12/2004 S X

The above listing has been prepared as a courtesy by the Federal Reserve Bank of San Francisco, and is not 

intended to replace formal notices required by statute or regulation; the Reserve Bank assumes no responsibility 

for errors or omissions.

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None