Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 52

Week Ending December 25, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 19, 2004 to December 25, 2004

Advisory Councils

Consumer Advisory Council -- appointment of eleven new members and designation of 

Mark Pinsky as Chair and Lori Swanson as Vice Chair for 2005.

- Approved, December 20, 2004 

Currency

Federal Reserve Notes -- new currency budget for 2005.

- Approved, December 22, 2004 

Reserve Bank Operations

Federal Reserve Bank of Dallas -- appointment of Richard W. Fisher as President, 

effective April 4, 2005.

- Approved, December 20, 2004 

(AC) = Addition or Correction Board - Page 1 of 1
December 19, 2004 to December 25, 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

1st Source Bank, South Bend, Indiana -- to establish a branch at 12850 State Road 23, 

Granger.

- Approved, December 21, 2004 

Chicago

The Bank of Currituck, Moyock, North Carolina -- to establish a branch at Southern 

Shores Marketplace, 5 Juniper Trail, Southern Shores.

- Approved, December 24, 2004 

Richmond

Community Trust Bank, Inc., Pikeville, Kentucky -- to establish a branch at 470 North 

Mayo Trail, Paintsville.

- Approved, December 24, 2004 

Cleveland

The First Bank and Trust Company, Lebanon, Virginia -- to establish a branch at 150 

West Main Street, Wytheville.

- Approved, December 23, 2004 

Richmond

The Guarantee State Bank, Lawton, Oklahoma -- to establish a branch at 702 Northwest 

Sheridan Road.

- Withdrawn, December 21, 2004 

Kansas City

High Plains Bank, Flagler, Colorado -- to establish a branch at 3000 Youngfield Street, 

Lakewood.

- Approved, December 24, 2004 

Kansas City

Miners Exchange Bank, Coeburn, Virginia -- to establish a branch on State Route 75, 

Bobby Hicks Highway, Johnson City, Tennessee.

- Approved, December 23, 2004 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority December 19, 2004 to December 25, 2004

Bank Branches, Domestic

Regions Bank, Birmingham, Alabama -- to establish a branch at 1203 Governors Square 

Boulevard, Tallahassee, Florida.

- Approved, December 21, 2004 

Atlanta

Regions Bank, Birmingham, Alabama -- to establish a branch at 909 Poydras Street, 

New Orleans, Louisiana.

- Approved, December 24, 2004 

Atlanta

Susquehanna Patriot Bank, Marlton, New Jersey -- to establish a branch at 901 Fayette 

Street, Conshohocken, Pennsylvania.

- Approved, December 24, 2004 

Philadelphia

Bank Holding Companies

Brownsboro Bancshares, Inc., Brownsboro, Texas, and Brownsboro Delaware 

Holdings, Inc., Wilmington, Delaware -- to become bank holding companies and to 

acquire First State Bank of Brownsboro.

- Approved, December 22, 2004 

Dallas

Capital One Financial Corporation, McLean, Virginia -- to transfer assets and liabilities of 

AmeriFee LLC, Southborough, Massachusetts, to Capital One, FSB, McLean, Virginia, 

in connection with an internal reorganization.

- Returned, December 21, 2004 

Richmond

CSB Bancorp, Inc., Chelsea, Michigan -- to become a bank holding company and to 

acquire Chelsea State Bank.

- Approved, December 22, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority December 19, 2004 to December 25, 2004

Bank Holding Companies

Evans Bancorp, Inc., Angola, New York -- to acquire, through Evans National Bank, 

M&C Leasing Co., Inc., West Seneca, and thereby engage in leasing activities.

- Withdrawn, December 23, 2004 

New York

First Bankshares of Las Animas, Inc., Las Animas, Colorado -- to acquire 9 percent of 

Southern Colorado National Bancorp, Inc., Pueblo, and thereby acquire Southern 

Colorado National Bank.

- Approved, December 22, 2004 

Kansas City

First Community Holding Company, Hammond, Louisiana -- to become a bank holding 

company and to acquire First Community Bank.

- Withdrawn, December 23, 2004 

Atlanta

Hometown Bancorp, Inc., Kent, Ohio -- to become a bank holding company and to 

acquire Home Savings Bank.

- Returned, December 22, 2004 

Cleveland

Leeds Holding Company, Leeds, North Dakota -- relief from a commitment.

- Granted, December 23, 2004 

Minneapolis

The Toronto-Dominion Bank, Toronto, Ontario, Canada -- commenter's request to 

extend the comment period on the application to acquire shares of Banknorth Group, 

Inc., Portland, Maine.

- Denied, December 20, 2004 

Secretary

White River Bancshares Company, Fayetteville, Arkansas -- to become a bank holding 

company and to acquire Signature Bank of Arkansas.

- Withdrawn, December 21, 2004 

St. Louis

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority December 19, 2004 to December 25, 2004

Bank Holding Companies

Wintrust Financial Corporation, Lake Forest, Illinois -- to acquire Antioch Holding 

Company, Antioch, and its subsidiary, State Bank of the Lakes.

- Approved, December 22, 2004 

Chicago

Change In Bank Control

Bakken Securities, Inc., St. Louis Park, Minnesota -- change in bank control.

- Permitted, December 22, 2004 

Minneapolis

CBS Banc-Corp., Russellville, Alabama -- change in bank control.

- Permitted, December 22, 2004 

Atlanta

DeKalb Bancshares, Inc., Fort Payne, Alabama -- change in bank control.

- Permitted, December 23, 2004 

Atlanta

Union Bancshares, Inc., Clayton, New Mexico -- change in bank control.

- Permitted, December 21, 2004 

Kansas City

Competitive Factors Reports

Bank of Colorado, Fort Collins, Colorado -- report on competitive factors of the 

proposed merger with Western Bank-Gallup, Gallup, New Mexico.

- Submitted, December 23, 2004 

Kansas City

Chelsea State Bank, Chelsea, Michigan -- report on competitive factors of the proposed 

merger with CS Bank, an interim bank.

- Submitted, December 22, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority December 19, 2004 to December 25, 2004

Competitive Factors Reports

Mercantile Bank, Orlando, Florida -- report on competitive factors of the proposed 

merger with Pointe Bank, Boca Raton.

- Submitted, December 21, 2004 

Atlanta

Minersville Safe Deposit Bank and Trust Company, Minersville, Pennsylvania -- report 

on competitive factors of the proposed acquisition of certain assets and assumption of 

certain deposit liabilities of the Tremont branch of Mid Penn Bank, Millersburg.

- Submitted, December 20, 2004 

Philadelphia

Valley National Bank, Passaic, New Jersey -- report on competitive factors of the 

proposed merger with NorCrown Bank, Livingston.

- Submitted, December 23, 2004 

New York

Extensions Of Time

BancTenn Corporation, Kingsport, Tennessee -- extension to April 6, 2005, to acquire 

up to 20 percent of Paragon Commercial Corporation, Raleigh, North Carolina, and 

Paragon Commercial Bank.

- Granted, December 22, 2004 

Atlanta

Central Texas Bankshare Holdings, Inc., Columbus, Texas, and Colorado County 

Investment Holdings, Inc., Wilmington, Delaware -- extension to March 22, 2005, to 

acquire additional shares of Hill Bancshares Holdings, Inc., Weimar, Texas, and thereby 

acquire Hill Bank & Trust Company.

- Granted, December 22, 2004 

Dallas

Mountain States Bancorporation, Inc., Denver, Colorado -- extension to April 12, 2005, 

for change in bank control.

- Granted, December 22, 2004 

Kansas City

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority December 19, 2004 to December 25, 2004

Financial Holding Companies

BTC Financial Corporation, Des Moines, Iowa -- election to become a financial holding 

company.

- Effective, December 23, 2004 

Chicago

First National Financial Services, Inc., Elk River, Minnesota -- election to become a 

financial holding company.

- Effective, December 23, 2004 

Minneapolis

First Southeast Missouri Bancorporation, Inc., Scott City, Missouri -- election to become 

a financial holding company.

- Effective, December 22, 2004 

St. Louis

Mainsource Financial Group, Greensburg, Indiana -- election to become a financial 

holding company.

- Effective, December 23, 2004 

Chicago

International Operations

CLS Bank International, New York, New York -- to amend its articles of association to 

increase the shares of outstanding capital stock.

- Approved, December 20, 2004 

New York

Zions First National Bank, Salt Lake City, Utah -- waiver of remainder of notification 

period to establish a branch in London, United Kingdom.

- Granted, December 21, 2004 

Director, BS&R

Regulations And Policies

Regulation C -- annual notice of the asset-size exemption threshold for depository 

institutions under the Home Mortgage Disclosure Act (Docket No. R-1219).

- Approved, December 21, 2004 

Director, C&CA

(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, December 25, 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)(1) Benjamin Franklin Bancorp, Inc., Franklin, Massachusetts -

relating to the conversion of Benjamin Franklin Bancorp, 

M.H.C., Franklin, Massachusetts from mutual to stock form and 

the acquisition by the former of Benjamin Franklin Bank 

(formerly Benjamin Franklin Savings Bank), Franklin, 

Massachusetts

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1) GSB, MHC, Greenfield, Massachusetts - request for prior 

approval to become a bank holding company through the 

acquisition of 100% of the voting shares of Greenfield Savings 

Bank, Greenfield, Massachusetts

Newspaper – N/Avail

Fed Reg – 01/10/2005

3(a)(3) The Royal Bank of Scotland Group plc, The Royal Bank of 

Scotland plc and RBSG International Holdings Ltd, all of 

Edinburgh, Scotland and Citizens Financial Group, Inc., 

Providence, Rhode Island - to acquire Citizens Bank, National 

Association, Albany, New York, a de novo bank

Newspaper – 01/18/2005

Fed Reg – 01/18/2005

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 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, December 25, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Adirondack Bank, Utica, New York to open and occupy a 

branch office located at The University Building, 120 E. 

Washington Street, Syracuse, Onondaga, New York.

Newspaper – 12/29/2004

FBSEA Bank of Baroda, Mumbai, India, to establish a state-licensed 

branch in Houston, Texas.

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

None

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

Type Application

Investment Citigroup Inc., New York, New York, to make an investment in 

Avantel, S.A., Mexico City, Mexico.
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, December 25, 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 regula tion 

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD 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, December 25, 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) S&T Bancorp, Inc., Indiana, Pennsylvania, to acquire up to 9.9 

percent of IBT Bancorp, Inc., Irwin, Pennsylvania, and thereby 

indirectly acquire Irwin Bank & Trust Company, Irwin, 

Pennsylvania.

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 Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, December 25, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Valley Bank, Roanoke, Virginia, to establish a branch at 1327 

Grandin Road, Roanoke, Virginia.*

Newspaper – 12/28/2004

Branch The Freedom Bank of Virginia, Vienna, Virginia, to establish 

a branch at 10555 Main Street, Fairfax, Virginia.*

Newspaper – 12/31/2004

*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) The South Financial Group, Inc., Greenville, South Carolina, for 

prior approval to acquire 100% of the securities of Pointe 

Financial Corporation, Boca Raton, Florida.*

Fed Reg – 01/20/2005

Newspaper – 01/10/2005

*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

223322 The First Bank and Trust Company

236 West Main Street

Lebanon, Virginia 24266

09/13/2004 12/19/2004 S X

991621 Citizens Bank and Trust Company

1322 South Main Street

Blackstone, Virginia 24060

10/04/2004 12/19/2004 S X

2813790 Community First Bank

1646 Graves Mill Road

Lynchburg, Virginia 24502

10/12/2004 12/24/2004 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, December 25, 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 Pooler Parkway and Park Avenue, Pooler, Georgia.*

Newspaper – 12/25/2004

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

located at 6-A Skidaway Village Walk, Savannah, Georgia.*

Newspaper – 12/25/2004

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

2601 Irongate Drive, Wilmington, North Carolina, to be known 

as the Wilmington Private Banking Office.*

Newspaper – 12/25/2004

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

located at 21 Music Square West, Nashville, Tennessee.*

Newspaper – 12/25/2004

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

5315 Cortez Road, West, Bradenton, Florida, to be known as the 

Cortez Road Wal-Mart Office.*

Newspaper – 01/02/2005

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

10500 West Colonial Drive, Ocoee, Florida, to be known as the 

Ocoee Wal-Mart Office.*

Newspaper – 01/02/2005

*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

3(a)(5) Whitney Holding Corporation, New Orleans, Louisiana, to 

merge with Destin Bancshares, Inc., and thereby acquire its 

subsidiary, Destin Bank, both of Destin, Florida.*

Newspaper – 01/19/2005

Fed Reg – 01/13/2005

CIC NBOG Bancorporation, Inc., Gainesville, Georgia, after-the-fact 

change in control notice filed by Dr. Wendell A. Turner, 

Gainesville, Georgia, to retain 10.56 percent of the outstanding 

shares of NBOG Bancorporation, Inc., and its subsidiary, 

National Bank of Gainesville, both of Gainesville, Georgia.

Newspaper – N/Avail

Fed Reg – 01/14/2005

3(a)(1) American Enterprise Bankshares, Inc., to become a bank holding 

company by acquiring 100 percent of the outstanding shares of 

American Enterprise Bank of Florida, both of Jacksonville, 

Florida.*

Newspaper – N/Avail

Fed Reg – 01/26/2005
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) First Community Holding Company, to become a bank holding 

company by acquiring 100 percent of the outstanding shares of 

First Community Bank, both of Hammond, Louisiana.*

Newspaper – 01/09/2005

Fed Reg – 01/26/2005

CIC Transatlantic Bank, Miami, Florida, after-the-fact change in

control notice filed by Evan R. Marbin, North Miami Beach, 

Florida, individually and as trustee of The SEE Trust, Miami, 

Florida, The SEE Trust, Miami, Florida, and Sherrie Marbin, 

North Miami Beach, Florida, to retain 19.50 percent of the 

outstanding shares of Transatlantic Bank, Miami, Florida.

Newspaper – 12/15/2004

Fed Reg – 12/29/2004

*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

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.
Section V – Availability of CRA public evaluations

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, December 25, 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) American Central Bancorporation, Inc., Springfield, Illinois, to 

acquire 100 percent of the voting shares of Americ an Central 

Financial Group, Inc., Springfield, Illinois, and thereby 

indirectly acquire The Bank, Charleston, Illinois, and Farmers 

State Bank of Fulton County, Lewistown, Illinois.*

Fed Reg – 01/10/2005

Newspaper – N/Avail

3(a)(1) & 4(c)(8) Blue River Bancshares, Inc., Shelbyville, Indiana, to become a 

bank holding company by acquiring 100 percent of the voting 

shares of Heartland Community Bank, Franklin, Indiana, and to 

retain ownership of Paramount Bank, Lexington, Kentucky, a 

federal savings bank, and thereby operate a savings association.*

Fed Reg – 01/21/2005

Newspaper – 01/15/2005

3(a)(3) C-B-G, Inc., West Liberty, Iowa, to acquire 24.35 percent of 

Washington Bancorp, Washington, Iowa, from two shareholders 

and thereby indirectly acquire Federation Bank, Washington, 

Iowa.*

Fed Reg – 01/21/2005

Newspaper – N/Avail

3(a)(3) Main Street Trust, Inc., Champaign, Illinois, to acquire 100 

percent of the voting stock of Citizens First Financial Corp., 

Bloomington, Illinois, and thereby indirectly acquire Citizens 

Savings Bank, Bloomington, Illinois.*

Fed Reg – 01/03/2005

Newspaper – N/Avail

3(a)(5) Wintrust Financial Corporation, Lake Forest, Illinois, to acquire 

100 percent of the voting shares of First Northwest Bancorp, 

Inc., Arlington Heights, Illinois, and thereby indirectly acquire 

First Northwest Bank, Arlington Heights, Illinois.*

Fed Reg – 01/26/2005

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

1007846 First Midwest Bank

300 Park Blvd., Suite 400

Itasca, Illinois 60143

(630) 875-7200

05/03/2004 12/21/2004 O 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, December 25, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Notice by Joel Porter, Memphis, Tennessee, to gain control of 

BankTennessee, Collierville, Tennessee.

Newspaper – 01/13/2005

Fed Reg – 01/11/2005

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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, December 25, 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) Glacier Bancorp, Inc., Kalispell, Montana, to acquire 100 

percent of the voting shares of First National Banks - West Co., 

Evanston, Wyoming and thereby indirectly acquire First 

National Bank - West, Evanston, Wyoming.*

Fed Reg – 01/21/2005

Newspaper – N/Avail

CIC Notice by Joel D. Neisen, Burnsville, Minnesota, Jeffrey A. 

Neisen, Vadnais Heights, Minnesota, Timothy J. Neisen, 

Ormsby, Minnesota, Mary K. Laxen, Shakopee, Minnesota, and 

Brian J. Neisen, Sugar Land, Texas, to gain control of Ormsby 

Bancshares, Inc., Ormsby, Minnesota, and thereby indirectly 

acquire Ormsby State Bank, Ormsby, Minnesota.

Fed Reg – 01/04/2005

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

Investment U.S. Bank, N.A., Cincinnati, Ohio, through NOVA Canadian 

Holdings Company, Minneapolis, Minnesota, an agreement 

corporation, to invest in a foreign organization, pursuant to 

section 211.9 (f) of Regulation 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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, December 25, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Notice by Louis Keith Ahlemeyer and Nadine Mae Ahlemeyer, 

both of Sedalia, Missouri, to acquire control of Investors 

Financial Corporation of Pettis County, Inc., parent of 

Community Bank of Pettis County, both in Sedalia, Missouri.

Newspaper – N/Avail

Fed Reg – 01/11/2005

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

Membership Bank of Nebraska, La Vista, Nebraska, 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 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, December 25, 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)(1) One World Holdings, Inc., Dallas, TX, to acquire One World 

Bank, Dallas, TX (de novo)* (previously reported the week 

ending December 18, 2004)

Fed Reg – 01/18/2005

Newspaper – 01/12/2005

3(a)(1) FC Holdings, Inc., Houston, TX, and First Community Holdings 

of Delaware, Inc., Wilmington, DE, to acquire First Community 

Bank San Antonio, National Association, San Antonio, TX*

Fed Reg – 01/10/2005

Newspaper – N/Avail

3(a)(1) First Community Holdings of Delaware, Inc., Wilmington, DE, 

to acquire First Community Bank San Antonio, National 

Association, San Antonio, TX*

Fed Reg – 01/10/2005

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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, December 25, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Frontier Bank, Everett, Washington, to establish a branch 

facility to be located at 128 East Holly Street, Bellingham, 

Washington.*

Newspaper – 12/31/2004

* 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 First National Bank Holding Company, Scottsdale, Arizona, to 

acquire 100 percent of First Heritage Bank, National Association 

(in organization), Newport Beach, California.*

Newspaper – 01/18/2005

Fed Reg – 01/21/2005

* 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