Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 36

Week Ending September 6, 2003

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions August 31, 2003 to September 6, 2003

Enforcement

Gold Banc Corporation, Leawood, Kansas, and Gold Bank -- written agreement with 

the Federal Reserve Bank of Kansas City and the Kansas Office of the State Bank 

Commissioner.

- Announced, September 2, 2003 

Ridgedale State Bank, Minnetonka, Minnesota -- written agreement with the Federal 

Reserve Bank of Minneapolis, and issuance of a cease and desist order against Robert C. 

Arneson, president and a director of Ridgedale State Bank.

- Announced, September 2, 2003 

(AC) = Addition or Correction Board - Page 1 of 1
August 31, 2003 to September 6, 2003

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

AmSouth Bank, Birmingham, Alabama -- to establish branches at 5221 Clark Road, 

Sarasota, Florida; 4501 Cortez Road West, Bradenton; and 5089 East State Road 64.

- Approved, September 4, 2003 

Atlanta

AmSouth Bank, Birmingham, Alabama -- to establish branches at 4535 South Florida 

Avenue, Lakeland, Florida; 2630 East Highway 50, Clermont; 10670 U.S. Highway 

441, Leesburg; and 140 Carillon Parkway, St. Petersburg.

- Approved, September 5, 2003 

Atlanta

First Charter Bank, Charlotte, North Carolina -- to establish a branch at the intersection 

of Highways 16 and 73, Denver.

- Approved, September 5, 2003 

Richmond

Heritage Bank of Commerce, San Jose, California -- to establish a branch at 15575 Los 

Gatos Boulevard, Suite C, Los Gatos.

- Approved, September 4, 2003 

San Francisco

Johnson Bank, Racine, Wisconsin -- to establish a branch at 207 Pine Avenue West, 

Menomonie.

- Approved, September 2, 2003 

Chicago

Legacy Bank & Trust Company, Plato, Missouri -- to establish a branch at 721 North 

Main Street, Mountain Grove.

- Approved, September 3, 2003 

St. Louis

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority August 31, 2003 to September 6, 2003

Bank Branches, Domestic

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish a branch at 11915 

Elm Creek Boulevard, Maple Grove, Minnesota.

- Approved, September 4, 2003 

Chicago

Regions Bank, Birmingham, Alabama -- to establish branches at 1425 East Mitchell 

Hammock Road, Oviedo, Florida; 5641 Clark Road, Sarasota; the intersection of 

Military Trail and University Boulevard, Jupiter; 3994 Frontage Road, Fayetteville, 

Arkansas; 3110 Bill Foster Memorial Highway, Cabot; 200 East Martin Luther King 

Boulevard, Suite 100, Chattanooga, Tennessee; 155 Franklin Road, Suite 105, 

Brentwood; 100 Main Street, Ft. Worth, Texas; the intersection of Anderson Mill Road 

and Highway 183, Austin; and 652 Haywood Road, Greenville, South Carolina.

- Approved, September 5, 2003 

Atlanta

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 11230 Elm Lane, 

Charlotte, North Carolina.

- Approved, September 3, 2003 

Atlanta

SouthTrust Bank, Birmingham, Alabama -- to establish branches at 2347 East-West 

Connector, Austell, Georgia; and 11560 Medlock Bridge Road, Duluth.

- Approved, September 5, 2003 

Atlanta

Virginia Community Bank, Louisa, Virginia -- to establish a branch at the intersection of 

U.S. Routes 15 and 250, Zion Crossroads.

- Approved, September 4, 2003 

Richmond

Bank Holding Companies

Citizens Effingham Bancshares, Inc., Springfield, Georgia -- commitment waiver request.

- Granted, September 4, 2003 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority August 31, 2003 to September 6, 2003

Bank Holding Companies

InfiCorp Holdings, Inc., Atlanta, Georgia -- to become a bank holding company through 

the retention of shares of InfiBank, N.A. on its conversion to a full-service bank; for First 

National of Nebraska, Inc., Omaha, Nebraska, to retain its ownership of InfiCorp 

Holdings, Inc.; and for Lauritzen Corporation to indirectly retain its ownership of InfiCorp 

Holdings, Inc. through retention of shares of First National of Nebraska, Inc., Omaha.

- Approved, September 4, 2003 

Kansas City

KSB Bancorp, Inc., Kaplan, Louisiana -- to become a bank holding company through 

the acquisition of Kaplan State Bank.

- Approved, September 5, 2003 

Atlanta

Liberty Shares, Inc., Hinesville, Georgia -- to acquire Cumberland National Bank, St. 

Mary's.

- Approved, September 2, 2003 

Atlanta

Mount Hope Bankshares, Inc., Mount Hope, West Virginia -- to become a bank holding 

company through the acquisition of Bank of Mount Hope, Inc.

- Approved, September 4, 2003 

Richmond

Page Bancshares, Inc., Liberty, Missouri -- to become a bank holding company through 

the acquisition of Griffin Bancshares, Inc., Cameron, and thereby acquire Pony Express 

Bank, Braymer.

- Approved, September 4, 2003 

Kansas City

Banks, State Member

The Northern Trust Company, Chicago, Illinois, and The Northern Trust International 

Banking Corporation -- to make investments in several foreign organizations.

- Withdrawn, September 4, 2003 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority August 31, 2003 to September 6, 2003

Change In Bank Control

Ambank Holdings, Inc., Rock Island, Illinois -- change in bank control.

- Permitted, September 5, 2003 

Chicago

Great Western Bancorporation, Inc., Omaha, Nebraska -- change in bank control.

- Permitted, September 5, 2003 

Chicago

Competitive Factors Reports

De Witt State Bank, De Witt, Nebraska -- report on competitive factors of the proposed 

acquisition of certain assets and assumption of certain liabilities of the Pickrell branch of 

Pinnacle Bank, Papillion, under the charter and title of De Witt State Bank.

- Submitted, September 3, 2003 

Kansas City

Farmers Bank of Cook, Cook, Nebraska -- report on competitive factors of the 

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

branch of Pinnacle Bank, Papillion under the charter and title of Farmers Bank of Cook.

- Submitted, September 3, 2003 

Kansas City

The First National Bank of Ottawa, Ottawa, Illinois -- report on competitive factors of 

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

Streator branches of First Midwest Bank, Itasca.

- Submitted, September 4, 2003 

Chicago

FSGBank, National Association, Chattanooga, Tennessee -- report on competitive 

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

three branches of National Bank of Commerce, Memphis.

- Submitted, August 27, 2003 (AC)

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority August 31, 2003 to September 6, 2003

Competitive Factors Reports

Interim Bank, N.A., Savannah, Georgia -- report on competitive factors of the proposed 

merger with First National Bank, Folkston.

- Submitted, September 2, 2003 

Atlanta

MAF Bancorp Incorporated, Clarendon Hills, Illinois -- report on competitive factors of 

the proposed merger with St. Francis Capital Corporation, Milwaukee, Wisconsin, and 

its subsidiary, St. Francis Bank, F.S.B.

- Submitted, September 4, 2003 

Chicago

Wells Fargo Bank, National Association, San Francisco, California -- reports on 

competitive factors of the proposed acquisition of Wells Fargo Bank Northwest, National 

Association, Ogden, Utah, and the proposed merger with Wells Fargo Banks in Alaska, 

Arizona, Colorado, Illinois, Indiana, Iowa, Michigan, Minnesota, Montana, Nebraska, 

Nevada, New Mexico, North Dakota, Ohio, South Dakota, Texas, Wisconsin, and 

Wyoming.

- Submitted, September 5, 2003 

Secretary

Extensions Of Time

Neighbors Bancshares, Inc., Roswell, Georgia -- extension to December 18, 2003, to 

become a bank holding company through the acquisition of Neighbors Bank, a de novo 

bank.

- Granted, September 5, 2003 

Atlanta

(AC) = Addition or Correction Delegated - Page 5 of 5
District 1 

Federal Reserve Bank of Boston 

Applications and notifications filed during the week ending Saturday, September 6, 2003 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

Ending date of 

comment period

None 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

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, September 6, 2003 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

FBSEA Bank Hapoalim B.M., Tel Aviv, Israel to upgrade its Miami, 

Florida agency to a branch. 

Newspaper – N/Avail 

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

Type Application

Ending date of 

comment period

None 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

4C8 Munchener Ruckversicherungs-Gesellschaft Aktiengesellschaft, 

Munich, Germany, to acquire 26.27 percent of the shares of 

Hypo Real Estate Holding AG, Munich, Germany, (“REH AG”) 

and thereby engage in non-banking activities through REH AG’s 

indirect subsidiary Hypo Real Estate Capital Corporation, 

Wilmington, Delaware. 

Fed Reg – 09/22/2003 

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 3 

Federal Reserve Bank of Philadelphia 

Applications and notifications filed during the week ending Saturday, September 6, 2003 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch East Penn Bank, Emmaus, PA, to establish a branch office 

at 502 State Road, Borough of Emmaus, Lehigh County, 

PA.

Newspaper – 10/06/2003 

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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, September 6, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C & Branch Applications by Fifth Third Bank, Michigan, Grand Rapids,

Michigan to effect an internal reorganization and acquire

through merger, Fifth Third Bank, Northern Kentucky,

Covington, Kentucky; Fifth Third Bank, Kentucky, Louisville,

Kentucky; Fifth Third Bank, Florida, Naples, Florida; and Fifth

Third Bank, Indiana, Indianapolis, Indiana; and to establish 

branch facilities.

Newspaper – 09/18/2003

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

establish one branch office in Michigan and four branch offices

in Illinois.

Newspaper – 09/12/2003

Branch Applications by Fifth Third Bank, Indiana, Indianapolis,

Indiana, to establish five branch offices.

Newspaper – N/Avail

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 Laurie L. McClellan and

Walter L. McClellan of their intent to acquire ownership and

control of up to 20.97 percent of the outstanding voting shares of 

Consumer Bancorp, Inc., Minerva, Ohio.

Newspaper – N/Avail

Fed Reg – N/Avail

3A3, 18C,& 

Branch

Application by Sky Financial Group, Inc., Bowling Green, Ohio

to acquire GLB Bancorp, Inc., Mentor, Ohio, and Sky Bank,

Salineville, Ohio, to acquire by merger, Great Lakes Bank, 

Mentor, Ohio, and establish branches therein. (Previously 

submitted during the week ending August 30, 2003)

Newspaper – 09/25/2003

Fed Reg – 09/26/2003
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

Federal bank 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, September 6, 2003 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

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

a branch at 2255 Glades Road, Suite 307E, Boca Raton, 

Florida.* 

Newspaper – 09/12/2003 

Subject to the provisions of the Community Reinvestment Act. 

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

Type Application

Ending date of 

comment period

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 

214722 Chesapeake Bank 

97 North Main Street 

Kilmarnock, Virginia 22482 

06/23/2003 09/07/2003 S X 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, September 6, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at 8100 East Freeway, Houston, Texas, to be known as 

the Houston-East Freeway Branch.*

Newspaper-09/09/2003

Branch The Peachtree Bank, Duluth, Georgia, to establish a branch 

located at 695 Mansell Road, Suite 110, Roswell, Georgia.*

Newspaper-09/17/2003

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

and assume certain deposit liabilities of three branches of Inter 

Savings Bank, FSB, Edina, Minnesota. The Branches to be 

acquire are located at 500 N. Miramar Avenue, Indialantic, 

Florida, 4805 Babcock Street, N.E., Palm Bay, Florida, and 305 

E. North Park Street, Okeechobee, Florida.*

Newspaper-10/02/2003

OAKAR Regions Bank, Birmingham, Alabama, to acquire certain assets 

and assume certain deposit liabilities of three branches of Inter 

Savings Bank, FSB, Edina, Minnesota. The Branches to be 

acquire are located at 500 N. Miramar Avenue, Indialantic, 

Florida, 4805 Babcock Street, N.E., Palm Bay, Florida, and 305 

E. North Park Street, Okeechobee, Florida.*

Newspaper-10/02/2003

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

located at 4020 Preston Road, Plano, Texas.*

Newspaper-09/23/2003

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

located at 9811 Brook Road, Glen Allen, Virginia, to be known 

as the Virginia Center Station Office.*

Newspaper-09/05/2003

*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)(5) BancTrust Financial Group, Inc., Mobile, Alabama to merge 

with CommerceSouth, Inc., Eufaula, Alabama, and thereby 

directly acquire its subsidiary, CommerceSouth Bank, Eufaula, 

Alabama.*

Newspaper-10/02/2003

Fed Reg-09/29/2003

3(a)(5) Greene County Bancshares, Inc., Greenville, Tennessee, to 

merge with Independent Bankshares Corporation, Gallatin, 

Tennessee, and thereby directly acquire its subsidiary banks, 

First Independent Bank, Gallatin, Tennessee, and Rutherford 

Bank & Trust Company, Murfreesboro, Tennessee.*

Newspaper-N/Avail

Fed Reg-09/06/2003

3(a)(1) RB Bancorporation, Athens, Alabama, to become a bank 

holding company by acquiring 100 percent of Reliance Bank, 

Athens, Alabama.*

Newspaper-09/13/2003

Fed Reg-09/15/2003

*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

MIRA F.N.B. Corporation, Naples, Florida, request to exempt Mr. John 

W. Ballantine from the provisions of the Management Interlock 

Revisions Act, and allow him to continue his duties as a director.

COM Mountain National Bancshares, Inc., Sevierville, Tennessee, 

commitment waiver request.
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, September 6, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Ames Community Bank, Ames, Iowa, to establish a branch 

facility at 604 N. Highway 69, Huxley, Iowa.*

Newspaper – N/Avail

18C Baylake Bank, Sturgeon Bay, Wisconsin, to acquire the assets 

and assume the liabilities of the branch office of M&I Marshall 

& Ilsley Bank, Milwaukee, Wisconsin located at 1334 Ellis 

Street, Kewaunee, Wisconsin.*

Newspaper – N/Avail

Branch The Farmers and Mechanics Bank, Galesburg, Illinois, to 

establish a branch facility to be located at 1202 North Henderson 

Street, Galesburg, Illinois.*

Newspaper – 09/02/2003

Branch Hinsbrook Bank and Trust, Willowbrook, Illinois, to establish a 

branch facility to be located at 200 Village Drive, Downers 

Grove, Illinois.*

Newspaper – 09/08/2003

Branch Irwin Union Bank and Trust Company, Columbus, Indiana, to 

establish a branch facility to be located at 107 N. State Road 

135, Suite 201, Greenwood, Indiana.*

Newspaper – 09/15/2003

18C Rolling Hills Bank and Trust, Atlantic, Iowa, to purchase 

the assets and assume liabilities of the Walnut, Iowa, and 

Atlantic, Iowa branch offices of American Interstate bank, 

Manning, Iowa.*

Newspaper – N/Avail

18C & Branches Southwest Bank of St. Louis, St. Louis, Missouri, to merge with 

Southwest Bank, Belleville, Illinois, and thereby to establish a 

branch at 2 Carlyle Park Drive, Belleville, Illinois.*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC Notice by Alfred H. Peterson, III and Jane E. Peterson, Brighton, 

Michigan to retain control of 11.24 percent of the outstanding 

shares of FNB Financial Corporation, Three Rivers, Michigan, 

and thereby indirectly control The First National Bank of Three 

Rivers, Three Rivers, Michigan.

Fed Reg – N/Avail

Newspaper – 09/17/2003

CIC Notice by Frances E. Powers, Defiance, Iowa, to acquire an 

additional 49.78 percent and thereby control 52.44 percent of 

Union Bancorporation, Defiance, Iowa, and thereby indirectly 

control Defiance State Bank, Defiance, Iowa.

Fed Reg – 09/22/2003

Newspaper – 08/14/2003

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance
Section V – Availability of CRA public evaluations

 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

282141 F&M Bank-Wisconsin

328 S. Saginaw Street

Flint, Michigan 48502

(810) 766-7500

02/24/2003 09/02/2003 S X

744238 Farmers & Mechanics Bank

21 E. Main Street

Galesburg, Illinois 61401

(309) 343-0002

05/12/2003 09/04/2003 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, September 6, 2003 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

Ending date of 

comment period

3A1 Kampsville Bancshares, Inc., Kampsville, Illinois, to become a 

bank holding company by acquiring 100 percent of Bank of 

Kampsville, Kampsville, Illinois.* 

Newspaper – 10/10/2003 

Fed Reg – 10/06/2003 

CIC Notice by the William L. Wilson Trust and its trustee William 

Lee Wilson, both of Ava, Illinois, to increase control of 

Headquarters Holding Company, Ava, Illinois. 

Newspaper – 09/23/2003 

Fed Reg – N/Avail 

CIC Notice by Wafik William Malek, Manchester, Missouri, to retain 

control of Gateway Bancshares, Inc., St. Louis, Missouri. 

Newspaper – 09/30/2003 

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 9 

Federal Reserve Bank of Minneapolis 

Applications and notifications filed during the week ending Saturday, September 6, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

18C & Branch Peoples State Bank of Truman, Inc., Truman, Minnesota, to 

merge with Martin County National Bank of Fairmont, 

Fairmont, Minnesota, and thereby establish a branch at 105 Lake 

Avenue, Fairmont, Minnesota.* 

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

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 10 

Federal Reserve Bank of Kansas City 

Applications and notifications filed during the week ending Saturday, September 6, 2003 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

18(c) Exchange Bank of Missouri, Fayette, Missouri, to purchase 

certain assets and assume certain liabilities of the Fulton, 

Missouri branch of First Bank, St. Louis, Missouri. 

Newspaper - 09/29/2003 

Branch Five Points Bank of Grand Island, Grand Island, Nebraska, to 

establish a branch at 2501 Central Avenue, Kearney, Nebraska. 

Newspaper - 09/15/2003 

Branch F&M Bank and Trust Company, Tulsa, Oklahoma, to establish a 

branch at 200 Crescent Court, Suite 620, Dallas, Texas. 

Newspaper - 09/19/2003 

Branch Citizens Security Bank and Trust Company, Bixby, Oklahoma, 

to establish a branch at 3601 W. Kenosha, Broken Arrow, 

Oklahoma. 

Newspaper - 09/15/2003 

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

Type Application

Ending date of 

comment period

CIC Notice by Richard Larry and Lois Voorhees, Omaha, Nebraska; 

Patricia Lee and James A. Bohart, Harvard, Nebraska; and 

Steven Lowe and Deborah L. Voorhees, Harvard, Nebraska; to 

retain control of Harvard State Company, Harvard, Nebraska, 

parent of Harvard State Bank, Harvard, Nebraska. 

Newspaper - 09/22/2003 

Fed Reg - 09/24/2003 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

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

Type Application

Investment in 

Bank Premises 

Citizens Security Bank and Trust Company, Bixby, Oklahoma, 

to increase its investment in bank premises in the amount of 

$4,080,000. 

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 

701950 Kearney Commercial Bank 

100 W. 92 Highway 

Kearney, Missouri 64060 

06/02/2003 09/03/2003 S X 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 11 

Federal Reserve Bank of Dallas 

Applications and notifications filed during the week ending Saturday, September 6, 2003 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch The Security State Bank of Pecos, Pecos, TX, to establish a 

permanent branch at 102 W. Avenue E, Alpine, TX 79831, 

with a temporary location at 402 E. Holland, Suite 200, 

Alpine, TX 79830*

Newspaper – 09/19/2003 

*Subject to the provisions of the Community Reinvestment Act 

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

Type Application

Ending date of 

comment period

3(a)(1) Vision Bancshares, Inc., Laredo, TX, to acquire 

Somerset Bancshares Corporation, Inc., Somerset, TX, and 

Somerset National Bank, Somerset, TX* 

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 

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, September 6, 2003 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

Ending date of 

comment period

3(a)(1) Sun West Capital Corporation, Las Vegas, Nevada, to become a 

bank holding company by acquiring 100 percent of Sun West 

Bank, Las Vegas, Nevada.* 

Newspaper – N/Avail 

Fed Reg – 10/03/2003 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

4(c)(8) Sinopac Bancorp, Los Angeles, California, Sinopac Holdings, 

Taipei, Taiwan, and Bank Sinopac, Taipei, Taiwan, to directly 

and indirectly acquire 100 percent of FENB Securities, Inc., 

Alhambra, California, and thereby engage in broker-dealer 

activities. 
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