H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 18 

Week Ending April 30, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions April 24, 2005 to April 30, 2005 

Bank Holding Companies 

Capital City Bank Group, Inc., Tallahassee, Florida -- to merge with First Alachua 

Banking Corporation, Alachua, and thereby acquire its subsidiary, First National 

Bank of Alachua; and for Capital City Bank Group's subsidiary, Capital City Bank, 

Tallahassee, to merge with First National Bank of Alachua, Alachua, and thereby 

establish branches. 

- Approved, April 27, 2005 

C-B-G, Inc., West Liberty, Iowa -- to acquire up to 24.35 percent of the shares of 

Washington Bancorp, Washington, and thereby acquire an interest in its subsidiary, 

Federation Bank. 

- Approved, April 26, 2005 

Citigroup Inc., New York, New York -- request for reconsideration of the Board's 

order approving the acquisition of First American Bank, SSB, Bryan, Texas, and 

request for an extension of the time to submit a request. 

- Denied, April 29, 2005 

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- to acquire 

Riggs National Corporation, Washington, D.C., and Riggs Bank National 

Association, McLean, Virginia. 

- Approved, April 26, 2005 

Republic Bancorp, Inc., Munden, Kansas -- to become a bank holding company and 

to acquire 99.7 percent of the shares of National Family Bank. 

- Approved, April 26, 2005 

Regulations And Policies 

Banking services for money services businesses -- interagency guidance to clarify 

the requirements for, and assist banking organizations in, appropriately assessing 

and minimizing risks posed by providing banking services to money services 

businesses. 

- Announced, April 26, 2005 

Basel Capital Accord -- interagency agreement to conduct additional analysis 

before publishing a notice of proposed rulemaking on implementation of the Basel 

II Framework. 

- Announced, April 29, 2005 

(AC) = Addition or Correction Board - Page 1 of 2 
H.2 Board Actions April 24, 2005 to April 30, 2005 

Enforcement 

Banco Industrial de Venezuela, C.A., Caracas, Venezuela; Banco Industrial de 

Venezuela, C.A. New York Agency, New York, New York; and Banco Industrial 

de Venezuela, C.A. Miami Agency, Miami, Florida -- written agreement with the 

New York State Banking Department, State of Florida Office of Financial 

Regulation, and Federal Reserve Banks of New York and Atlanta. 

- Announced, April 29, 2005 

Civitas BankGroup, Inc., Franklin, Tennessee -- written agreement with the Federal 

Reserve Bank of Atlanta. 

- Announced, April 25, 2005 

(AC) = Addition or Correction Board - Page 2 of 2 
H.2 Actions under delegated authority April 24, 2005 to April 30, 2005 

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

C&CA Consumer and Community Affairs IF International Finance 

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

Bank Branches, Domestic 

Atlanta 

Bank of St. Petersburg, Tampa, Florida -- to establish a branch at 1110-B South 

Dale Mabry Highway. 

- Approved, April 28, 2005 

Atlanta 

Coconut Grove Bank, Miami, Florida -- to establish a branch at 290 Alhambra 

Circle, Coral Gables. 

- Approved, April 26, 2005 

Cleveland 

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 5342 North Hamilton 

Road, Columbus. 

- Approved, April 27, 2005 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1529 

Waukegan Road, Glenview, Illinois. 

- Approved, April 27, 2005 

Chicago 

M&I Marshall & Isley Bank, Milwaukee, Wisconsin -- to establish a branch at 

10995 North Market Street, Mequon. 

- Approved, April 26, 2005 

Kansas City 

Peoples Bank, Lawrence, Kansas -- to establish a branch at 121 East Main Street, 

Red River, New Mexico. 

- Approved, April 29, 2005 

Atlanta 

Regions Bank, Birmingham, Alabama -- to establish a branch at 1760 Bass Road, 

Macon, Georgia. 

- Approved, April 25, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 4 
H.2 Actions under delegated authority April 24, 2005 to April 30, 2005 

Bank Branches, Domestic 

Atlanta 

Regions Bank, Birmingham, Alabama -- to establish a branch at 52-A Persimmon 

Street, Bluffton, South Carolina. 

- Approved, April 26, 2005 

Bank Holding Companies 

Chicago 

Capitol Bancorp Ltd., Lansing, Michigan -- to acquire Capitol Bancorp Colorado 

Limited and thereby acquire Fort Collins Commerce Bank, Fort Collins, Colorado, 

a de novo bank; and for Capitol Bancorp Colorado Limited to become a bank 

holding company and to acquire 51 percent of the shares of Fort Collins Commerce 

Bank. 

- Approved, April 29, 2005 

Richmond 

CB Financial Corporation, Wilson, North Carolina -- to acquire Cornerstone Bank. 

- Approved, April 25, 2005 

Boston 

Charter Oak Community Bank Corp., Rockville, Connecticut -- to acquire 55 

percent of the shares of Rockville Financial, Inc., Rockville, and for Rockville 

Financial to become a bank holding company and to acquire Rockville Bank. 

- Approved, April 29, 2005 

Atlanta 

FirstFed Bancorp, Inc. Employee Stock Ownership Plan, Bessemer, Alabama -- to 

become a bank holding company and to acquire 32 percent of the shares of FirstFed 

Bancorp, Inc. and its subsidiary, First Financial Bank. 

- Withdrawn, April 25, 2005 

St. Louis 

German American Bancorp, Jasper, Indiana -- to acquire 9.8 percent of the shares of 

Eclipse Bank, Inc., Louisville, Kentucky, a de novo bank. 

- Withdrawn, April 29, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 4 
H.2 Actions under delegated authority April 24, 2005 to April 30, 2005 

Bank Holding Companies 

San Francisco 

NNB Holdings, Inc., Reno, Nevada -- to become a bank holding company and to 

acquire at least 67 percent of the shares of Northern Nevada Bank. 

- Approved, April 29, 2005 

Minneapolis 

Security State Bank Holding Company, Jamestown, North Dakota -- to acquire 

CNB, Inc., Walker, Minnesota, and thereby acquire Centennial National Bank. 

- Approved, April 29, 2005 

Change In Bank Control 

Chicago 

Preferred Bancorp, Inc., Casey, Illinois -- to retain control of Preferred Bancorp, 

Inc. and thereby retain control of Preferred Bank. 

- Permitted, April 25, 2005 

Competitive Factors Reports 

San Francisco 

Bank of the West, San Francisco, California -- report on competitive factors of the 

proposed merger with Trinity Capital Corporation. 

- Submitted, April 25, 2005 

St. Louis 

First Security State Bank of Charleston, Charleston, Missouri -- report on 

competitive factors of the proposed mergers with First Security State Bank of 

Southeast Missouri, Caruthersville, and Bank of Paragould, Paragould, Arkansas. 

- Submitted, April 25, 2005 

Chicago 

Horizon Bank, National Association, Michigan City, Indiana -- report on 

competitive factors of the proposed merger with Alliance Banking Company, New 

Buffalo, Michigan. 

- Submitted, April 27, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 4 
H.2 Actions under delegated authority April 24, 2005 to April 30, 2005 

Competitive Factors Reports 

St. Louis 

Independence Bank of Kentucky, Owensboro, Kentucky -- report on competitive 

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

the Lewisport branch of South Central Bank of Daviess County, Inc. 

- Submitted, April 25, 2005 

San Francisco 

Landmark National Bank, Solana Beach, California -- report on competitive factors 

of the proposed merger with Legacy Bank, National Association, La Jolla. 

- Submitted, April 27, 2005 

San Francisco 

Northern Nevada Bank, Reno, Nevada -- report on competitive factors of the 

proposed merger with Interim Northern Nevada Bank. 

- Submitted, April 25, 2005 

Membership 

St. Louis 

First Community Bank of Eastern Arkansas, Marion, Arkansas -- to become a 

member of the Federal Reserve System. 

- Approved, April 29, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 4 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, April 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC John D. Doherty together with the Joseph R. Doherty Family 

Limited Partnership, L.P. - notification to acquire greater than 

10% of the outstanding shares of Central Bancorp, Inc., 

Somerville, Massachusetts, pursuant to the Change in Bank 

Control Act of 1978

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1) First Valley Bancorp, Inc., Bristol, Connecticut – to become a 

bank holding company through the acquisition of 100% of the 

shares of Valley Bank, Bristol, Connecticut

Newspaper – N/Avail

Fed Reg – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, April 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Banco Latinoamericano De Exportaciones, S.A., Panama City, 

Panama, to establish a representative office in Miami, Florida.

Newspaper – N/Avail

FBSEA Banco Votorantim, Sao Paulo, Brazil, to establish a 

representative office in New York, New York.

Newspaper – N/Avail

FBSEA Lloyds TSB Offshore Limited, St. Helier, Jersey, to establish a 

representative office in Miami, Florida.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

CIC Change in Bank Control by the Scharphf Family, Old Bridge, 

New Jersey, to acquire up to 37.08 percent of the common stock 

of Amboy Bancorporation, Old Bridge, New Jersey.

Newspaper – 05/10/2005

Fed Reg – 05/11/2005

*3A3 Hudson Valley Holding Corp., Yonkers, New York, proposes to 

acquire 100 percent of New York National Bank, Bronx, New 

York.

Newspaper – 05/18/2005

Fed Reg – 05/24/2005

*3A1 Treetops Acquisition Group LP, Treetops Acquisition Group II 

LP, Treetops Acquisition Group Ltd., Treetops Acquisition 

Group II Ltd., CAM Discount Ltd. and the Edgar M. Bronfman 

Trusts A, B, C, D, E, F and G, all of New York, New York, (the 

“Application”) for prior approval of the Board of Governors of 

the Federal Reserve System (the “Board”), pursuant to Section 

3(a)(1) of the Bank Holding Company Act of 1956, as amended, 

to become bank holding companies through the acquisition of up 

to fifty-one percent of the outstanding shares of Israel Discount 

Bank, Ltd., Tel Aviv, Israel, and thereby acquire Discount 

Bancorp, New York, New York and its New York Statechartered bank, Israel Discount Bank of New York, New York, 

New York.

Newspaper – N/Avail

Fed Reg – 05/13/2005

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

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

475215 Bank of Smithtown

Smithtown, New York

11/08/2004 04/13/2005 S X

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, April 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Univest Corporation of Pennsylvania, Souderton, PA, to retain 

8.53% ownership of the outstanding stock of New Century Ban, 

Phoenixville, PA

Newspaper – 05/06/2005

Fed Reg – 05/16/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

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, April 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

*3(a)(5) Peoples Community Bancorp, Inc., West Chester, OH to acquire 

American State Corporation and its wholly-owned subsidiary 

American State Bank, both of Lawrenceburg, IN

Newspaper – 04/11/2005

Fed Reg – 04/07/2005

*Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, April 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Union Bank and Trust Company, Bowling Green, Virginia, to

establish a branch at 13700 Midlothian Turnpike, Midlothian, 

Virginia.*

Newspaper – 05/07/2005

18(c) Consolidated Bank and Trust Company, Richmond, Virginia, to 

merge with Abigail Adams Interim Bank, Washington, D. C. (an 

organizing interim bank).

Newspaper – N/Avail

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(1) Square 1 Financial, Inc., Pinehurst, North Carolina, to become 

a bank holding company through the acquisition of 100% of the 

voting shares of Square 1 Bank, Durham, North Carolina (in 

organization).*

Fed Reg – 05/20/2005

Newspaper – 05/13/2005

3(a)(3) Abigail Adams National Bancorp, Inc., Washington, D. C., to 

acquire 100% of the voting shares of Consolidated Bank and 

Trust Company, Richmond, Virginia.*

Fed Reg – 05/24/2005

Newspaper – N/Avail

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, April 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch 1

st United Bank, Boca Raton, Florida, to establish a branch 

located at 300 West Broward Boulevard, Ft. Lauderdale, 

Florida.*

Newspaper – 05/03/2005

Branch Pilot Bank, Tampa, Florida, to establish a branch located at 439 

South Florida Avenue, Lakeland, Florida.*

Newspaper – 05/05/2005

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

14100 Whitney Road, Gainesville, Virginia.*

Newspaper – 05/05/2005

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) BankEast Corporation, Knoxville, Tennessee, proposes to 

acquire 100 percent of the outstanding shares of Curtis Mortgage 

Company, Inc., Knoxville, Tennessee, and thereby engage in 

brokering residential and investor real estate loans in the 

secondary market.

Fed Reg – 05/17/2005

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

2849212 Landmark Bank of Florida

544 South Washington Boulevard

Sarasota, Florida 34236

(941) 954-5100

01/10/2005 04/28/2005 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, April 30, 2005

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 the northeast corner of Bellaire Boulevard and 

Rogersdale, Houston, Texas.*

Newspaper – N/Avail

Branch Johnson Bank, Racine, Wisconsin, to establish a branch facility 

to be located at 3001 W. Rawson Avenue, Franklin, Wisconsin.*

Newspaper – 05/06/2005

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

establish a branch facility to be located at 4252 Southtowne 

Drive, Eau Claire, Wisconsin.*

Newspaper – 05/06/2005

18C & Branch Templeton Savings Bank, Templeton, Iowa, to purchase the 

assets and assume the liabilities of the Manning, Iowa branch 

office of American Interstate Bank, Elkhorn, Nebraska, and to 

establish a branch at 223 Main Street, Manning, Iowa.*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) & 3(a)(1) Capitol Bancorp, Ltd., Lansing, Michigan, to acquire 51 percent 

of the voting shares of Capitol Development Bancorp Limited II, 

Lansing, Michigan, and thereby indirectly acquire Bank of 

Auburn Hills (in organization), Auburn Hills, Michigan, and by 

Capitol Development Bancorp Limited II, Lansing, Michigan, to 

become a bank holding company by acquiring 51 percent of the 

voting shares of Bank of Auburn Hills (in organization), Auburn 

Hills, Michigan.*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(3) Evans Bancshares, Inc., Evansdale, Iowa, to acquire 100 percent 

of First Resource Bank (in organization), Savage, Minnesota.*

Fed Reg – 05/27/2005

Newspaper – N/Avail

CIC Notice by Terence P. Greenley, Sigourney, Iowa and Frances S. 

Fleck, Sigourney, Iowa (husband and wife) to gain control of 

Fountain View Bancorp., Inc., and thereby indirectly Keokuk 

County State Bank, Sigourney, Iowa.

Fed Reg – N/Avail

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

Type Application

Ending date of

comment period

CIC Notice by Walter Carlson, Naples, Florida, and Dennis Shull, 

Indianola, Iowa, to increase their ownership of Morning Sun 

Bank Corp., Morning Sun, Iowa, and thereby indirectly Iowa 

State Bank, Wapello, Iowa, to 66.67 percent and 33.33 percent, 

respectively.

Fed Reg – 05/11/2005

Newspaper – N/Avail

3(a)(3) Peotone Bancorp, Inc., Peotone, Illinois, to acquire up to 20.06 

percent of the voting shares of SouthwestUSA Corporation, Las 

Vegas, Nevada, and thereby indirectly acquire SouthwestUSA 

Bank, Las Vegas, Nevada.*

Fed Reg – 05/13/2005

Newspaper – 05/18/2005

3(a)(3) Peotone Bancorp, Inc., Peotone, Illinois, and Founders Group, 

Worth, Illinois, to acquire 100 percent of the voting shares of 

Vermilion Bancorp, Inc., Danville, Illinois, and thereby 

indirectly acquire American Savings Bank of Danville, Danville, 

Illinois.*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(5) Private Bancorp, Inc., Chicago, Illinois, to acquire 100 percent 

of the voting shares of Bloomfield Hills Bancorp, Inc., 

Bloomfield Hills, Michigan, and thereby indirectly acquire The 

Private Bank, Bloomfield Hills, Michigan.*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(1) Symphony Bancorp, Indianapolis, Indiana, to become a bank 

holding company by acquiring 100 percent of the voting shares 

of Symphony Bank (in organization), Indianapolis, Indiana.*

Fed Reg – N/Avail

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

882242 Rolling Hills Bank & Trust

1307 E. 7th Street

Atlantic, Iowa 50022

(712) 243-2244

12/06/2004 04/25/2005 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, April 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3A1 Trubank Securities Trust, St. Louis, Missouri, to become a bank 

holding company by acquiring 16 percent of Truman Bancorp, 

Inc., St. Louis, Missouri, and there indirectly acquire Truman 

Bank, St. Louis, Missouri.*

Newspaper – 06/06/2005

Fed Reg – 05/27/2005 

3A5 First Horizon National Corporation, Memphis, Tennessee, to 

merge with West Metro Financial Services, Inc., Dallas, 

Georgia, and thereby indirectly acquire First National Bank 

West Metro, Dallas, Georgia.*

Newspaper – 05/25/2005

Fed Reg – 05/28/2005

3A1 ESB Bancorp, Inc., Elberfeld, Indiana, to become a bank 

holding company by acquiring 100 percent of The Elberfeld 

State Bank, Elberfeld, Indiana. (Previously submitted during the 

week ending April 23, 2005)*

Newspaper – 05/18/2005

Fed Reg – 05/24/2005

3A3 German American Bancorp, Jasper, Indiana, to acquire 9.7 

percent of Symphony Bancorp, Indianapolis, Indiana (in 

organization), and thereby indirectly acquire Symphony Bank, 

Indianapolis, Indiana (in organization).*

Newspaper – 05/31/2005

Fed Reg – 05/24/2005

3A3 First National Bancorp, Inc., Green Forest, Arkansas, to acquire 

additional shares of Legacy National Bank, Springdale, 

Arkansas, and thereby retain ownership of 9.99 percent.*

Newspaper – 05/29/2005

Fed Reg – 05/28/2005

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

Type Application

Ending date of

comment period

None

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

Type Application

Membership First Community Bank of Eastern Arkansas, Marion, Arkansas, 

to become a member of the Federal Reserve System.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, April 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Severson Family Limited Partnership, Apple Valley, Minnesota, 

and Larry S. Severson, Lakeville, Minnesota as general partner, 

to become part of a group acting in concert, and thereby acquire 

control of Financial Services of St. Croix Falls, St. Croix Falls, 

Wisconsin.

Fed Reg – N/Avail

Newspaper – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, April 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch AllNations Bank, Calumet, Oklahoma, to establish a branch at 

2023 South Gordon Cooper, Shawnee, Oklahoma.

Newspaper – 05/12/2005

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

Type Application

Ending date of

comment period

3(a)(1) Second Capital Investments, LLC, Lee's Summit, Missouri, to 

become a bank holding company through the acquisition of up 

to 33.90 percent of the voting shares of 1st Financial Bancshares, 

Inc., Overland Park, Kansas, parent of 1st Financial Bank, 

Overland Park, Kansas.

Newspaper – N/Avail

Fed Reg – 05/24/2005

3(a)(3) Central Financial Corporation, Hutchinson, Kansas, to acquire 

up to 9.93 percent of the voting shares of Fort Worth 

Bancshares, Inc., parent of Fort Worth National Bank, both in

Fort Worth, Texas.

Newspaper – N/Avail

Fed Reg – 05/27/2005

3(a)(3) Central Financial Corporation, Hutchinson, Kansas, to acquire 

up to 17.66 percent of the voting shares of Parkway National 

Bancshares, Inc., Plano, Texas, parent of Parkway National 

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

Parkway Bank, N.A., Plano, Texas.

Newspaper – N/Avail

Fed Reg – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

Membership First Bethany Bank and Trust Company, N.A., Bethany, 

Oklahoma, 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 periodic ally. 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, April 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C TexasBank, Fort Worth, TX, to merge with Northwest National 

Bank of Arlington, Arlington, TX.*

Newspaper – N/Avail

Branch TexasBank, Fort Worth, TX, to establish a branch at 610 W. 

Randol Mill Road, Arlington, TX. 76011.*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(1) CSAB Holdings, L.L.C., Dallas, TX, to become a bank holding 

company by acquiring 36 percent of Parkway National 

Bancshares, Inc., Plano, TX, and indirectly acquire Parkway 

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

Parkway Bank, N.A., Plano, TX.* (previously reported the week 

ending April 23, 2005

Fed Reg – 05/20/2005

Newspaper – 05/20/2005

3(a)(3) Olney Bancshares of Texas, Inc., Olney, TX, and Olney 

Bancorp of Delaware, Inc., Wilmington, DE, to acquire 100 

percent of Rose Rock Bank, Oklahoma City, OK (de novo).*

(previously reported the week ending April 23, 2005)

Fed Reg – 05/24/2005

Newspaper – 05/23/2005

* Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

3(a)(1) FBC Bancshares, Inc., Conroe, TX, and FBC Delaware, 

Corporation, Wilmington, DE, to become bank holding 

companies by acquiring 100 percent of First Bank of Conroe, 

N.A., Conroe, 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

367552 First State Bank

1025 Main

Matador, Texas 79244

01/10/2005 04/11/2005 S X

783965 Texas Coastal Bank

6731 Spencer Hwy.

Pasadena, Texas 77505

02/07/2005 04/25/2005 S X

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, April 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Barnes Banking Company, Kaysville, Utah, to establish a branch 

facility to be located at 1220 South State, Orem, Utah.*

Newspaper – 04/25/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

3(a)(5)(C) Washington Bancorp, Inc., Lynwood, Washington, to become a 

bank holding company by acquiring 100 percent of The Bank of 

Washington, Lynwood, Washington.
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