Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 1

Week Ending January 1, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 26, 2004 to January 1, 2005

Forms

Forms -- final Board review to extend with revision the Application for Employment with 

the Board of Governors of the Federal Reserve System (FR 28), Compensation and 

Salary Surveys (FR 29a, FR 29b, and FR 29c), and Studies of Board Publications (FR 

1373a and FR 1373b).

- Approved, December 15, 2004 (AC)

Reserve Bank Operations

Audit Committee Policy -- revisions to the Board's policy on Federal Reserve Bank audit 

committee duties and responsibilities to incorporate requirements of the Sarbanes-Oxley 

Act and the American Institute of Certified Public Accountants.

- Approved, December 20, 2004 (AC)

(AC) = Addition or Correction Board - Page 1 of 1
December 26, 2004 to January 1, 2005

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

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at the intersection of 

Northeast Flowermound Road and Gore Boulevard, Lawton, Oklahoma.

- Approved, December 27, 2004 

St. Louis

East-West Bank, San Marino, California -- to establish a branch at 23737 Hawthorne 

Boulevard, Torrance.

- Approved, December 29, 2004 

San Francisco

RBC Centura Bank, Rocky Mount, North Carolina -- to establish branches at 555 Main 

Street, Norfolk, Virginia; 6355 North Andrews Avenue, Ft. Lauderdale, Florida; 100 

North Federal Highway, Suite 104; 15086 South Jog Road, Delray Beach West; 13583 

Hunters Oak Drive, Orlando; and 11201 Park Boulevard, Seminole.

- Approved, December 30, 2004 

Richmond

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 2601 Irongate Drive, 

Wilmington, North Carolina.

- Approved, December 30, 2004 

Atlanta

Utah Independent Bank, Salina, Utah -- to establish a branch at 120 North Main Street, 

Monroe.

- Approved, December 28, 2004 

San Francisco

Valley Bank, Roanoke, Virginia -- to establish a branch at 1327 Grandin Road.

- Approved, December 31, 2004 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 4
H.2 Actions under delegated authority December 26, 2004 to January 1, 2005

Bank Holding Companies

Citizens Bancshares, Inc., ESOP, Edmond, Oklahoma -- to acquire up to 40 percent of 

the shares of Citizens Bancshares, Inc., parent of Citizens Bank of Edmond.

- Approved, December 30, 2004 

Kansas City

Community Capital Bancorp, Cairo, Nebraska -- to become a bank holding company 

and to acquire State Bank of Cairo; and for Community Capital Bancorp to redeem 

shares.

- Approved, December 30, 2004 

Kansas City

FirstBank Financial Services, Inc., McDonough, Georgia -- to become a bank holding 

company and to acquire First Bank of Henry County.

- Approved, December 29, 2004 

Atlanta

Frontier Holdings, LLC, Madison, Nebraska -- to become a bank holding company and 

to acquire Bank of Madison.

- Withdrawn, December 30, 2004 

Kansas City

Georgia Trust Bancshares, Inc., Buford, Georgia -- to become a bank holding company 

and to acquire Georgia Trust Bank, a de novo bank.

- Approved, December 30, 2004 

Atlanta

MCB Financial Group, Inc., Carrollton, Georgia -- relief from a commitment.

- Granted, December 27, 2004 

Atlanta

Bank Mergers

Texas State Bank, McAllen, Texas -- to merge with Mercantile Bank and Trust, Dallas, 

and establish three branches.

- Approved, December 29, 2004 

Dallas

(AC) = Addition or Correction Delegated - Page 2 of 4
H.2 Actions under delegated authority December 26, 2004 to January 1, 2005

Banks, National

HSBC Bank USA, National Association, New Castle, Delaware -- request for an 

exemption from section 23A of the Federal Reserve Act to acquire certain credit card 

assets from its affiliate, Household International, Inc., Prospect Heights, Illinois, in 

connection with a corporate restructuring.

- Granted, December 22, 2004 (AC)

Director, BS&R

Banks, State Member

First State Bank of DeQueen, DeQueen, Arkansas -- to establish First State Insurance of 

DeQueen, Inc. as a financial subsidiary and thereby engage in full-service insurance 

activities.

- Approved, December 29, 2004 

St. Louis

Change In Bank Control

Security State Agency of Aitkin, Inc., Aitkin, Minnesota -- change in bank control.

- Permitted, December 30, 2004 

Minneapolis

Competitive Factors Reports

United Security Bank, Sparta, Georgia -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of NetBank, Alpharetta.

- Submitted, December 28, 2004 

Atlanta

VisionBank, Topeka, Kansas, a de novo bank -- report on competitive factors of the 

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

branches of Western National Bank, Lenexa. 

- Submitted, December 29, 2004 

Kansas City

Whitney National Bank, New Orleans, Louisiana -- report on competitive factors of the 

proposed merger with Destin Bank, Destin, Florida, in connection with a corporate 

reorganization.

- Submitted, December 28, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 4
H.2 Actions under delegated authority December 26, 2004 to January 1, 2005

Extensions Of Time

Davis Bancorporation, Inc., Davis, Oklahoma -- extension to April 9, 2005, to acquire 

shares of Century Capital Financial, Inc., Kilgore, Texas, and its subsidiaries, Century 

Capital Financial-Delaware, Inc., Wilmington, Delaware, and City National Bank, 

Kilgore.

- Granted, December 29, 2004 

Kansas City

First Centralia Bancshares, Inc., Centralia, Kansas -- extension to April 9, 2005, to 

acquire, directly and indirectly, shares of Century Capital Financial, Inc., Kilgore, Texas, 

and its subsidiaries, Century Capital Financial-Delaware, Inc., Wilmington, Delaware, and 

City National Bank, Kilgore; and FBC Financial Corporation, Claremore, Oklahoma.

- Granted, December 29, 2004 

Kansas City

Morrill Bancshares, Inc., Merriam, Kansas -- extension to April 9, 2005, to acquire, 

directly and indirectly, shares of Century Capital Financial, Inc., Kilgore, Texas, and its 

subsidiaries, Century Capital Financial-Delaware, Inc., Wilmington, Delaware, and City 

National Bank, Kilgore; and shares of FBC Financial Corporation, Claremore, 

Oklahoma.

- Granted, December 29, 2004 

Kansas City

International Operations

Capital One Bank (Europe) plc, London, England -- waiver of remainder of notification 

period to invest in Capital One Overseas Limited, Grand Cayman, Cayman Islands.

- Granted, December 27, 2004 

Director, BS&R

Membership

Nara Bank, National Association, Los Angeles, California -- to become a member of the 

Federal Reserve System on conversion to a national charter.

- Approved, December 30, 2004 

San Francisco

(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, January 1, 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)(1) Benjamin Franklin Bancorp, Inc., Franklin, Massachusetts -

relating to the conversion of Benjamin Franklin Bancorp, 

M.H.C., Franklin, Massachustts 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 – 01/21/2005

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

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, January 1, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

3A3 First BanCorp, San Juan, Puerto Rico, to acquire 100% of the 

outstanding shares of Ponce General Corporation, a savings and 

loan holding company organized under the laws of Delaware 

and its subsidiaries UniBank, a federally chartered savings and 

loan association and Ponce Realty, a real estate holding 

corporation organized under the laws of Delaware.

Newspaper – 01/23/2005

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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, January 1, 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

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, January 1, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

Citizens First State Bank, Hartford City, Indiana, pursuant to 

section 18(c) of the Federal Deposit Insurance Act and incident 

thereto, establish branch offices.

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) 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 – 01/29/2005

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, January 1, 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

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

4(c)(8) Capital One Financial Corporation, McLean, Virginia, to 

indirectly acquire Ranger Services, LLC, and Automated 

Escrow, LLC, both of Overland Park, Kansas, which are 

engaged in residential mortgage lending and real estate 

settlement servicing 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
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, January 1, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) First American Bank, Decatur, Alabama, to merge with National 

Bank of Commerce of Birmingham, Birmingham, Alabama.*

Newspaper – N/Avail

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

500 East Alice Street, Bainbridge, Georgia, to be known as the 

Bainbridge Wal-Mart Money Center Office.*

Newspaper – 12/31/2004

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

2800 Clearlake Road, Cocoa, Florida, to be known as the Cocoa 

Wal-Mart Office.*

Newspaper – 01/05/2005

*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

3(a)(3) Crescent Banking Company, Jasper, Georgia, to acquire 100 

percent of the outstanding shares of Futurus Financial Services, 

Inc., along with its wholly owned subsidiary, Futurus Bank, 

N.A., both of Alpharetta, Georgia.*

Newspaper – 01/07/2005

Fed Reg – N/Avail

3(a)(1) Community Bancshares of Mississippi, Inc., Employee Stock 

Ownership Plan, Brandon, Mississippi, to become a bank

holding company by acquiring 58.6 percent of the Amory Series 

Bank Class Common Stock of Community Bancshares of

Mississippi, Inc., Brandon, Mississippi.*

Newspaper – N/Avail

Fed Reg – N/Avail

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

COM Appalachian Bancshares, Inc., Ellijay, Georgia, commitment 

relief request.

State Member 

Bank Other

AmSouth Bank, Birmingham, Alabama, requests approval to 

make and close four low income housing tax credit investments.

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

533535 First Bank of Boaz

124 South Main Street

Boaz, Alabama 35957

(256) 593-8670

08/09/2004 12/28/2004 O 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, January 1, 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) Alpha Financial Group, Inc. Employee Stock Ownership Plan, 

Toluca, Illinois, to increase its ownership up to 45.57 percent of 

Alpha Financial Group, Inc., Toluca, Illinois, and thereby 

indirectly acquire Alpha Community Bank, Toluca, Illinois.*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(5) American Central Bancorporation, Inc., Springfield, Illinois, to 

acquire 100 percent of the voting shares of American 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)(3) Arthur R. Murray, Inc., Milford, Illinois, to acquire 100 percent 

of the voting shares of Dewey State Bank, Dewey, Illinois.*

Fed Reg – N/Avail

Newspaper – N/Avail

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) Country Bancorporation, Crawfordsville, Iowa, to acquire 100 

percent of White State Bank, South English, Iowa.*

Fed Reg – N/Avail

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 – 12/29/2004

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 – 01/17/2005

* 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

Investment The Northern Trust Company, Chicago, Illinois, for approval to 

invest in excess of 10% of its capital and surplus in The 

Northern Trust International Banking Corporation, New York, 

New York; and to make an investment in Northern Trust 

Guernsey Holdings Limited, a proposed new subsidiary, and by 

The Northern Trust International Banking Corporation, New 

York, New York, for prior approval to make an investment in 

Northern Trust GFS Holdings Limited, a proposed new 

subsidiary.

4(c)(8) State Financial Services Corporation, Milwaukee, Wisconsin, to 

acquire 80 percent of the issued and outstanding shares of m2 

Lease Funds LLC, Madison, Wisconsin, and thereby engage in 

leasing activity and extending credit and servicing loans.

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.
Section V – Availability of CRA public evaluations

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, January 1, 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 Notice by Martin B. Rowe, Harrisburg, Illinois, individually and 

as a member of the Rowe Family Control Group to gain control 

of First Eldorado Bancshares, Inc., Eldorado, Illinois. The 

control will consist of Martin B. Rowe, the Burt H. Rowe, Jr. 

Marital Trust and the Anne Rowe Family Trust, all of 

Harrisburg, Illinois; Marianna R. Deal, Rachelle L. Rowe, 

Caroline C. Rowe, and Anne Rowe, all of St. Louis, Missouri.

(Previously reported during the week ended December 11, 2004)

Newspaper – 12/26/2004

Fed Reg – 01/03/2005

3A1 FSB Bancorp, Inc., Houston, Texas, to become a bank holding 

company by acquiring 100 percent of Evergreen Bancshares, 

Inc., Crossett, Arkansas, and thereby indirectly acquire First 

State Bank, Crossett, Arkansas.*

Newspaper – 01/28/2005

Fed Reg – 01/31/2005

3A1 Ozarks Legacy Community Financial, Inc., Thayer, Missouri, to 

become a bank holding company by acquiring 91.3 percent of 

Bank of Thayer, Thayer, Missouri.*

Newspaper – 02/05/2005

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, January 1, 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) 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 – 01/14/2005

* 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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, January 1, 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)(1) Frontier Holdings, LLC, Madison, Nebraska, to become a bank 

holding company through the acquisition of 100 percent of the 

voting shares of Bank of Madison, Madison, Nebraska.

Newspaper – N/Avail

Fed Reg – 01/13/2005

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 – 01/12/2005

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 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, January 1, 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)(1) FC Holdings, Inc., Houston, TX, and First Community Holdings 

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

Bank San Antonio, N. A., San Antonio, TX*

Fed Reg – 01/10/2005

Newspaper – 01/19/2005

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

to acquire First Community Bank San Antonio, N. A., San 

Antonio, TX*

Fed Reg – 01/10/2005

Newspaper – 01/19/2005

* 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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, January 1, 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 Frontier Financial Corporation, Everett, Washington, to acquire 

up to 20 percent of Skagit State Bank, Burlington, Washington.*

Newspaper – 02/01/2005

Fed Reg – 01/31/2005

* 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

3(a)3 Franklin Resources, Inc., San Mateo, California, to retain 6.54 

percent of First State Bancorporation, Albuquerque, New 

Mexico, and thereby indirectly acquire First State Bank N.M., 

Taos, New Mexico.

Fed Reg – 02/04/2005

3(a)3 Franklin Resources, Inc., San Mateo, California, to retain 7.93 

percent of Peoples Bancorp Inc., Marietta, Ohio, and thereby 

indirectly acquire Peoples Bank, National Association, Marietta, 

Ohio.

Fed Reg – 02/04/2005

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

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None