Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 42 

Week Ending October 19, 2002 

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions October 13, 2002 to October 19, 2002 

Enforcement 

O.A.K. Financial Corporation, Byron Center, Michigan, and Byron Center State 

Bank -- written agreement, dated October 4, 2002, with the Federal Reserve Bank of 

Chicago and the Michigan Office of Financial and Insurance Services. 

- Announced, October 17, 2002 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority October 13, 2002 to October 19, 2002 

BS&R 

C&CA 

FOMC 

Banking Supervision and Regulation 

Consumer and Community Affairs 

Federal Open Market Committee 

RBOPS 

IF 

OSDM 

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

Bank Branches, Domestic 

St. Louis 

Arvest Bank, Fayetteville, Arkansas -- to relocate a branch in Oklahoma City, 

Oklahoma, from 9000 South Western Avenue to 9350 South Western Avenue. 

- Approved, October 17, 2002 

Kansas City 

Bank of Jackson Hole, Jackson, Wyoming -- to establish a branch at 3285 West Village 

Drive, Teton Village. 

- Approved, October 18, 2002 

Atlanta 

Compass Bank, Birmingham, Alabama -- to establish a branch at Valleydale Road and 

Highway 31. 

- Approved, October 18, 2002 

New York 

First Tier Bank & Trust, Salamanca, New York -- to establish a branch at 284 East 

Fairmount Avenue, Lakewood. 

- Approved, October 15, 2002 

San Francisco 

Hanmi Bank, Los Angeles, California -- to establish a branch at 2765 El Camino Real, 

Santa Clara. 

- Approved, October 18, 2002 

Atlanta 

Landmark Bank of Florida, Sarasota, Florida -- to establish a branch at 544 West 

Washington Boulevard. 

- Approved, October 17, 2002 

St. Louis 

Pulaski Bank and Trust Company, Little Rock, Arkansas -- to establish a branch at 5111 

Highway 5 North, Bryant. 

- Approved, October 18, 2002 

(AC) = Addition or Correction Delegated - Page 1 of 5 
H.2 Actions under delegated authority October 13, 2002 to October 19, 2002 

Bank Branches, Domestic 

Atlanta 

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 2750 Carl T. Jones 

Drive, Lot #5, Huntsville. 

- Approved, October 16, 2002 

Dallas 

Texas State Bank, McAllen, Texas -- to establish a branch at 1000 Main Street, Houston. 

- Approved, October 17, 2002 

Bank Holding Companies 

Kansas City 

First Okmulgee Corporation, Okmulgee, Oklahoma -- to acquire First National of 

Henryetta, Inc., Henryetta, and First National Bank, Henryetta. 

- Withdrawn, October 17, 2002 

Dallas 

IBT Bancorp, Inc., Dallas, Texas, and IBT Delaware Bancorp, Inc., Dover, Delaware --

to become bank holding companies through the acquisition of Independent Bank of 

Texas, Irving, a de novo bank; and for Independent Bank of Texas to become a member 

of the Federal Reserve System. 

- Approved, October 17, 2002 

Director, BS&R 

Marquette Financial Companies, Minneapolis, Minnesota, and Community Bank of 

Arizona, National Association, Wickenburg, Arizona -- request for an exemption from 

section 23A of the Federal Reserve Act. 

- Granted, October 11, 2002 (AC) 

Chicago 

Salin Bancshares, Inc., Indianapolis, Indiana, and Salin Bank and Trust Company -- to 

acquire Blue River Federal Savings Bank, Edinburgh; and for Salin Bank and Trust 

Company, Indianapolis, to merge with Blue River Federal Savings Bank, and thereby 

establish branches. 

- Approved, October 18, 2002 

(AC) = Addition or Correction Delegated - Page 2 of 5 
H.2 Actions under delegated authority October 13, 2002 to October 19, 2002 

Bank Holding Companies 

Chicago 

SCB Bancorp, Inc., East Lansing, Michigan -- to become a bank holding company 

through the acquisition of Summit Community Bank, a de novo bank. 

- Approved, October 18, 2002 

Bank Mergers 

Minneapolis 

Wadena State Bank, Wadena, Minnesota -- to merge with Security State Bank of Deer 

Creek, Deer Creek, and thereby establish branches in Deer Creek and Bluffton. 

- Approved, October 18, 2002 

Change In Bank Control 

Kansas City 

First Jones Bancorporation, Inc., Jones, Oklahoma -- change in bank control. 

- Permitted, October 17, 2002 

Competitive Factors Reports 

San Francisco 

Bank of Visalia, Visalia, California -- report on competitive factors of the proposed 

merger with Valley Commerce Bancorp Merger Subsidiary, Inc. 

- Submitted, October 15, 2002 

Philadelphia 

The Bank, Deptford Township, New Jersey -- report on competitive factors of the 

proposed merger with Woodstown National Bank, Woodstown. 

- Submitted, October 17, 2002 

Atlanta 

Citizens Tri-County Bank, Dunlap, Tennessee -- report on competitive factors of the 

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

and Tracy City branches of Union Planters Bank, Memphis. 

- Submitted, October 16, 2002 

(AC) = Addition or Correction Delegated - Page 3 of 5 
H.2 Actions under delegated authority October 13, 2002 to October 19, 2002 

Competitive Factors Reports 

Atlanta 

Eagle Bank of Alabama, Opelika, Alabama -- report on competitive factors of the 

proposed merger with CharterBank, West Point, Georgia. 

- Submitted, October 16, 2002 

Chicago 

Franklin Bank, National Association, Southfield, Michigan -- report on competitive 

factors of the proposed merger with FB Interim National Bank. 

- Submitted, October 16, 2002 

Secretary 

National Bank of Arizona, Tucson, Arizona -- report on competitive factors of the 

proposed merger with Frontier State Bank, Show Low. 

- Submitted, October 17, 2002 

Dallas 

Prosperity Bank, El Campo, Texas -- report on competitive factors of the proposed 

merger with First National Bank of Bay City, Bay City. 

- Submitted, October 10, 2002 (AC) 

Boston 

Putnam Savings Bank, Putnam, Connecticut -- report on competitive factors of the 

proposed merger with Stock Savings Bank. 

- Submitted, October 16, 2002 

New York 

Sound Federal Bancorp, Mamaroneck, New York -- report on competitive factors of 

the proposed acquisition of Sound Federal Savings and Loan Association. 

- Submitted, October 18, 2002 

San Francisco 

United Commercial Bank, San Francisco, California -- report on competitive factors of 

the proposed acquisition of the Brooklyn, New York, branch of Broadway National 

Bank, New York. 

- Submitted, October 15, 2002 

(AC) = Addition or Correction Delegated - Page 4 of 5 
H.2 Actions under delegated authority October 13, 2002 to October 19, 2002 

Financial Holding Companies 

Richmond 

First National Bancshares, Inc., Spartanburg, South Carolina -- election to become a 

financial holding company. 

- Effective, October 17, 2002 

(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, October 19, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 i nstitutions 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 = Satis factory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date 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, October 19, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 i nstitutions 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 = Satis factory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date 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, October 19, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Equity Bank, Marlton, NJ, to establish branch office at 24 10/09/2002 

Cedar Street, Lititz, PA. 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 p eriodically. 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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, October 19, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Notice by Sky Bank, Salineville, OH of its intent to establish a 10/17/2002 

branch facility at 1669 West 5 th Avenue, Columbus, OH.* 

*Subject to the provisions of the Community Reinvestment Act. 

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

Ending date of 

Type Application comment period 

3(a)(3) Application by KeyCorp, Cleveland, OH and Buffalo Acquiror Newspaper - 11/14/2002 

Sub, Inc., Cleveland, OH to acquire all voting shares of Union Fed Reg - 11/18/2002 

Bankshares, Inc., Denver, CO and its subsidiary Union Bank & 

Trust, Denver, CO.* 

*Subject to the provisions of the Community Reinvestment Act. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 institutio ns 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 facilit ies. 

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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, October 19, 2002 

Section I – Applications subject to newspaper notice only 

Type Application 

Branch Farmers & Merchants Bank, Timberville, Virginia, to establish a 

branch at 207 University Boulevard, Suite 100, Harrisonburg, 

Virginia.* 

Branch CapitalBank, Greenwood, South Carolina, to establish a branch 

at 200 Springdale Drive, Clint on, South Carolina.* 

Branch Bank of Clarke County, Berryville, Virginia, to establish a 

branch at 3360 Valley Avenue, Winchester, Virginia.* 

Ending date of 

comment period 

Newspaper - 10/26/2002 

Newspaper - 10/31/2002 

Newspaper - 11/08/2002 

*Subject to the provisions of the Community Reinvestment Act. 

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

Ending date of 

Type Application comment period 

CIC Notice of Change in Control filed by Charles F. Sposato to Fed Reg - N/Avail 

acquire in excess of 10% of the voting securities of Cecil Newspaper - N/Avail 

Bancorp, Inc., Elkton, Maryland. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 operat e, 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 reco rd 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

390925 FNB Southeast 

202 North Main Street 

Reidsville, North Ca rolina 27320 

07/08/2002 10/16/2002 S X

1216291 Resource Bank 

3720 Virginia Beach Boulevard 

Virginia Beach, Virginia 23452 

04/29/2002 10/19/2002 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, October 19, 2002 

Section I – Applications subject to newspaper notice only 

Type Application 

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

located at 115 Third Street, Neptune Beach, Florida, to be 

known as the Neptune Beach Branch.* 

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

located at 2435 Brentwood Boulevard, Naples, Florida, to be 

known as the Immokolee Road Branch.* 

Branch Fifth Third Bank, Naples, Florida, to establish a branch located 

at 800 North Collier Boulevard, Marco Island, Florida, to be 

known as the Marco Island Banking Center.* 

Ending date of 

comment period 

Newspaper-10/30/2002 

Newspaper-10/26/2002 

Newspaper-10/30/2002 

*Subject to provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

CIC Eagle National Hold ing Company, Miami, Florida, prior change 

in control notification filed by Mr. Mark Kardonski, the 

proposed trustee of GNB Holding Trust, to control 100 percent 

of the outstanding common stock of Eagle National Holding 

Company, Inc., Miami, Florida. 

Newspaper-10/30/2002 

Fed Reg-11/07/2002 

CIC Greater Rome Bancshares, Inc., Rome, Georgia, prior change in 

control notice by Thomas D. Caldwell, III, to acquire an 

additional 0.15 percent of the outstanding shares of Greater 

Rome Bancshares, Inc. 

Newspaper-10/25/2002 

Fed Reg-11/07/2002 

3(a)(3) Southwest Florida Community Bancorp, Inc. Fort Myers, 

Florida, proposes to acquire 50 percent of the outstanding shares 

of Sanibel Captiva Community Bank, Sanibel, Florida (in 

organization).* 

Newspaper-11/15/2002 

Fed Reg-N/Avail 
Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 eval uations are now available. 

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date 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, October 19, 2002 

Section I – Applications subject to newspaper notice only 

Type Application 

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

establish branches to be located at Arizona Avenue and 

Germann Road, Chandler, Arizona; Val Vista Drive and 

Williams Field Road, Gilbert, Arizona, and Westland Road and 

Scottsdale Road, Scottsdale, Arizona.* 

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

establish a branch facility to be located at 13951West Thomas 

Road, Goodyear, Arizona.* 

18C & Branches Midwest Bank and Trust Company, Elmwood Par k, Illinois, to 

merge with Fairfield Savings Bank, F.S.B., Long Grove, Illinois 

and thereby to establish branches.* 

Ending date of 

comment period 

Newspaper – 10/14/2002 

Newspaper – 10/11/2002 

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 

3(a)(3) & 3(a)(5) Backlund Investment Co., Peoria, Illinois, to acquire 100 percent 

of each of the following: Astoria Investment Company, Astoria, 

Illinois, and thereby indirec tly acquire Farmers State Bank, 

Astoria, Astoria, Illinois; Bartonville Investment Co., Peoria, 

Illinois, and thereby indirectly acquire Bartonville Bank, 

Bartonville, Illinois; Backlund -White, Inc., Peoria, Illinois, and 

thereby indirectly acquire Glasfor d State Bank, Glasford, 

Illinois; Backlund -Scott Company, Wyoming, Illinois and 

thereby indirectly acquire Wyoming Bank & Trust Company, 

Wyoming, Illinois; Dunlap Bank, Dunlap, Illinois; and to 

acquire control of at least 25 percent of the voting shares of 

Hopedale Investment Company, Hopedale, Illinois, and thereby 

indirectly acquire Community Bank of Hopedale, Hopedale, 

Illinois.* 

Ending date of 

comment period 

Fed Reg – 11/18/2002 

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

Type Application 

3(a)(3) & 3(a)(1) BTC Financial Corporation, Des Moines, Iowa, to acquire 100 

percent of Midamerica Financial Corporation, Des Moines, 

Iowa, and thereby indirectly acquire Bankers Trust Company, 

N.A. (in organization), Cedar Rapids, Iowa, and by Midamerica 

Financial Corporation, Des Moines, Iowa, to become a bank 

holding company by a cquiring 100 percent of Bankers Trust 

Company, N.A. (in organization), Cedar Rapids, Iowa.* 

CIC Notice by Steven M. Eldred, Beloit, Wisconsin, as voting trustee 

of the Helen M. Eldred Voting Trust and the John M. Eldred 

Voting Trust; and the Eldred Family Limited Partnership I and 

Eldred Family Limited Partnership II, both located in Beloit, 

Wisconsin, to gain control of Centre 1 Bancorp, Inc., Beloit, 

Wisconsin, and thereby indirectly acquire First National Ba nk 

and Trust Company of Beloit, Beloit, Wisconsin. 

3(a)(3) Herky Hawk Financial Corp., Monticello, Iowa, to acquire 100 

percent of Munter Agency, Inc., Strawberry Point, Iowa, and 

thereby indirectly acquire Union B ank & Trust Company, 

Strawberry Point, Iowa.* 

3(a)(3) Mahaska Investment Company, Oskaloosa, Iowa and Mahaska 

Investment Company ESOP, Oskaloosa, Iowa, to acquire 100 

percent of Belle Plaine Service Corporation, Belle Plaine, Iowa, 

and thereby indirectly acquire Citizens Bank and Trust 

Company, Hudson, Iowa.* 

4(c)(8) Midwest Banc Holdings, Inc., Elmwood Park, Illinois, to merge 

with Big Foot Financial Corporation, Long Grove, I llinois, and 

thereby indirectly acquire Fairfield Savings Bank, F.S.B., Long 

Grove, Illinois, and thereby operate a savings association.* 

Ending date of 

comment period 

Fed Reg – 11/01/2002 

Newspaper – 11/04/2002 

Fed Reg – 10/22/2002 

Newspaper – N/Avail 

Fed Reg – N/Avail 

Newspaper – N/Avail 

Fed Reg – 11/18/2002 

Newspaper – N/Avail 

Fed Reg – 11/15/2002 

Newspaper – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

4(c)(8) CIB Marine Bancshares, Inc., Pewaukee, Wisconsin, to acquire 

ComCor Mortgage Corporation, Waukesha, Wisconsin, and 

thereby engage in mortgage business operations. 
Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to encourage depository i nstitutions 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 = Satis factory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

366247 Templeton Savings Bank 

103 S. Main Street 

Templeton, Iowa 51463 

(712) 669-3322 

210434 The Northern Trust Company 

50 S. LaSalle Street 

Chicago, Illinois 60675 

(312) 630-6000 

913940 Fifth Third Bank 

One Vandenberg Center 

Grand Rapids, Michigan 49503 

(616) 771-5000 

06/10/2002 10/16/2002 S X 

03/04/2002 10/18/2002 O X 

09/04/2001 10/15/2002 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, October 19, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

3(a)(3) First Banks, Inc., St. Louis, Missouri, to acquire 100 percent of 

the voting shares of Bank of Ste. Genevieve, Sainte Genevieve, 

Missouri. In connection with this transaction, First Banks, Inc. 

has requested the release of passivity commitments that it made 

in connection with its ownership interest in Allegiant Bancorp, 

Inc., St. Louis, Missouri, the parent company of Bank of Ste. 

Genevieve. 

Ending date of 

comment period 

Newspaper – 11/16/2002 

Fed Reg – 11/18/2002 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Type Application 

Ending date of 

comment period 

4(c)(8) Signature Bancshares, Inc., Springfield, Missouri, to engage in Fed Reg – 11/06/2002 

securities brokerage activities through the establishment of 

Signature Investment Services, LLC, Springfield, Missouri. 

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 wh ich 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 ins titution'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 ob tained 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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, October 19, 2002 

Section I – Applications subject to newspaper notice only 

Type Application 

Ending date of 

comment period 

Branch Ronan State Bank, Ronan, Montana, to establish a branch Newspaper – 11/04/2002 

facility to be located at 1124 Highway 93S, Suite C, Ronan, 

Montana.* 

* Subject to the provisions of the Community Reinvestment Act. 

Section II – Applications subject to bo th newspaper and Federal Register notice 

Type Application 

3(a)(3) State Bankshares, Inc., Fargo, North Dakota, to acquire 100% of 

State Bank of Moorhead, Moorhead, Minnesota.* 

3(a)(3) TCF Financial Corporation, Wayzata, Minnesota, to acquire an 

additional 5.00%, thereby increasing its total ownership to 

9.99%, of the voting shares of MainStreet BankShares, Inc., 

Martinsville, Virginia, which owns Smith River Community 

Bank, N.A., Martinsville, Virginia, and Franklin Community 

Bank, N.A., Rocky Mount, Virginia, a de novo bank.* 

3(a)(1) Community Financial Corporation, Owatonna, Minnesota, to 

become a bank holding company by acquiring 100% of the 

voting shares of Community Bank Owatonna, Owatonna, 

Minnesota, a de novo bank.* 

CIC Marie Gillespie, LaGrange Park, Illinois, as trustee of the Lake 

Bank Shares, Inc. Employee Stock Ownership Plan, Emmons , 

Minnesota, to gain control of Lake Bank Shares, Inc., Emmons, 

Minnesota, and thereby indirectly gain control of Security Bank 

of Minnesota, Albert Lea, Minnesota, and First State Bank of 

Emmons, Emmons, Minnesota. 

CIC Robert B. Whitlock, Minneapolis, Minnesota, to retain control 

as trustee of Lake Bank Shares, Inc. Employee Stock Ownership 

Plan, Emmons, Minnesota, and thereby indirectly retain control 

of Lake Bank Shares, Inc., Emmons, Minnesota, which owns 

Security Bank of Minnesota, Albert Lea, Minnesota, and First 

State Bank of Emmons, Emmons, Minnesota. 

Ending date of 

comment period 

Fed Reg – 11/01/2002 

Newspaper – N/Avail 

Fed Reg – 11/18/2002 

Newspaper – N/Avail 

Fed Reg – 10/25/2002 

Newspaper – 10/18/2002 

Fed Reg – 10/21/2002 

Newspaper – N/Avail 

Fed Reg – 10/21/2002 

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

Ending date of 

Type Application comment period 

CIC Jonathon H. Berg, M.D., Northwood, North Dakota, as trustee of 

the Herbert A. Lund Revocable Trust, to gain control of Lake 

Bank Shares, Inc., Emmons, Minnesota, and thereby indirectly 

gain control of Security Bank of Minnesota, Albert Lea, 

Minnesota, and First State Bank of Emmons, Emmons, 

Minnesota. 

Fed Reg – 10/21/2002 

Newspaper – N/Avail 

CIC Kevin L. Johnson, North Oaks, Minnesota, to acquire control of 

Johnson Holdings, Inc., Isanti, Minnesota, and thereby indirectly 

acquire control of East Central Holding Company, Isanti, 

Minnesota, which owns Landmark Community Bank, N.A., 

Isanti, Minnesota. 

Fed Reg – 11/07/2002 

Newspaper – 11/08/2002 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 e ach 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 ev aluation 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

274856 Citizens State Bank of Arlington, 07/08/2002 10/15/2002 S X 

Arlington, South Dakota 

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, October 19, 2002 

Section I – Applications subject to newspaper notice only 

Type Application 

Branch Peoples National Bank & Trust, Ottawa, Kansas, to establish 

434 S. Main Street, Ottawa, Kansas as a branch office and to 

relocate its main office to Lawrence, Kansas. 

18(c) Peoples National Bank & Trust, Ottawa, Kansas, to merge with 

Peoples Bank, Taos, New Mexico and to operate under the 

charter and title of Peoples Bank, Ottawa, Kansas. 

18(c) Peoples National Bank & Trust, Ottawa, Kansas, to purchase 

certain assets and assume certain liabilities of the foll owing 

branches of Peoples Bank, Overland Park, Kansas: 13180 

Metcalf Avenue, Overland Park, Kansas; 7810 W. 151 st Street, 

Overland Park, Kansas; 7404 W. 199 th Street, Stilwell, Kansas; 

212 S. Broadway, Louisburg, Kansas; 29 West Wea, Paola, 

Kansas; 2220 Harper, Suite A, Lawrence, Kansas; and 4831 W. 

6

th Street, Lawrence, Kansas. 

Ending date of 

comment period 

Newspaper - 11/16/2002 

Newspaper - 11/16/2002 

Newspaper - 11/16/2002 

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

Type Application 

3(a)(1) Commerce Bancorp, Inc., Duncan, Oklahoma, to become a bank 

holding company through the acquisition of 100 percent of the 

voting shares of Bank of Commerce, Duncan, Oklahoma (in 

organization). 

3(a)(3) Community Bankshares, I nc., Greenwood Village, Colorado, to 

acquire 100 percent of the voting shares of Community Banks of 

Tracy (formerly known as Tracy Federal Bank, F.S.B.), Tracy, 

California. 

3(a)(3) First Okmulgee Corporation, Okmulgee, Oklahoma, to acquire 

up to 100 percent of the voting shares of First National of 

Henryetta, Inc., parent of First National Bank of Henryetta, both 

of Henryetta, Oklahoma. 

Ending date of 

comment period 

Newspaper - N/Available 

Fed Reg - 11/15/2002 

Newspaper - N/Available 

Fed Reg - 11/15/2002 

Newspaper - N/Available 

Fed Reg - 11/18/2002 
Section III – Applications s ubject to Federal Register notice only 

Ending date of 

Type Application 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 leve ls 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

647759 Farmers State Bank 

Main Street 

Quinton, Oklahoma 74561 

14258 Jackson State Bank & Trust 

112 N. Center 

Jackson, Wyoming 83001 

7456 Bank of Hartington 

229 N. Broadway 

Hartington, Nebraska 68739 

07/29/2002 10/14/2002 S X 

07/15/2002 10/16/2002 S X 

07/29/2002 10/16/2002 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, October 19, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3(a)(1) MSB Financial Corp., Dallas, TX, to acquire MSB Delaware 

Financial Corp., Wilmington, DE, and Millennium State Ban k of 

Texas, Dallas, Texas * (previously reported the week ending 

October 12, 2002) 

Fed Reg – 11/09/2002 

Newspaper – 11/18/2002 

3(a)(1) MSB Delaware Financial Corp., Wilmington, DE, to acquire 

Millennium State Bank of Texas, Dallas, Texas * (previously 

reported the week ending October 12, 2002) 

Fed Reg – 11/09/2002 

Newspaper – 11/18/2002 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 i nstitutions 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 = Satis factory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

473266 Texas First Bank 07/29/2002 10/19/2002 S X 

3232 Palmer Hwy. 

Texas City, Texas 77590 

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, October 19, 2002

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Hanmi Bank, Los Angeles, California, to establish a branch facility 

to be located at 2765 El Camino Real, Santa Clara, California.*

Newspaper – 10/07/2002

* 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) Liberty Financial Group, Inc., Eugene, Oregon, to become a bank 

holding company by acquiring 99.97 percent of Liberty Bank, 

Eugene, Oregon.*

Newspaper – 10/25/2002

Fed Reg – 11/18/2002

3(a)(3) BankWest Nevada Corporation, Las Vegas, Nevada, to acquire 100 

percent of Alliance Bank of Arizona (In Organization), Phoenix, 

Arizona.*

Newspaper – N/Avail 

Fed Reg – 11/18/2002

* 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
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 Ba nk.

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 an d their CRA public evaluations are now available.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

18863 Business Bank of California

140 South Arrowhead

San Bernardino, CA 92408

(909) 888-2265

06/17/2002 10/17/2002 S X

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

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

omissions.

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None