Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 7

Week Ending February 17, 2001

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions February 11, 2001 to February 17, 2001

Bank Holding Companies

Firstar Corporation, Milwaukee, Wisconsin -- to merge with U.S. Bancorp, Minneapolis, 

Minnesota.

- Approved, February 12, 2001 

FleetBoston Financial Corporation, Boston, Massachusetts -- to merge with Summit 

Bancorp., Princeton, New Jersey.

- Approved, February 12, 2001 

Lea M. McMullan Trust, Shelbyville, Kentucky, and Citizens Union Bancorp of 

Shelbyville, Inc. -- to acquire Dupont State Bank, Dupont, Indiana.

- Approved, February 12, 2001 

MetLife, Inc., New York, New York -- to become a bank holding company through the 

acquisition of Grand Bank, National Association, Kingston, New Jersey, and election to 

become a financial holding company.

- Approved, February 12, 2001 

(AC) = Addition or Correction Board - Page 1 of 1
February 11, 2001 to February 17, 2001

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulatio

Consumer and Community Affai

Federal Open Market Committ

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Managemen

H.2 Actions under delegated authority

Bank Branches, Domestic

Andover Bank, Andover, Ohio -- to establish a branch at 1630 West 19th Street, 

Ashtabula.

- Approved, February 15, 2001 

Cleveland

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 15 Pine Cone Drive, Palm 

Coast, Florida.

- Approved, February 16, 2001 

Atlanta

Bank Holding Companies

American Bancorporation, Cedar Falls, Iowa -- to become a bank holding company 

through the acquisition of The Newburg Corporation, Saint Ansgar, Iowa, and thereby 

acquire Cedar Valley State Bank.

- Approved, February 12, 2001 

Chicago

AmericaUnited Bancorp, Inc., Schaumburg, Illinois -- to acquire National Bancorp, Inc., 

Sycamore, and thereby acquire American National Bank of DeKalb County.

- Returned, February 12, 2001 

Chicago

Boston Private Financial Holdings, Inc., Boston, Massachusetts -- to acquire E.R. Taylor 

Investments, Inc., Concord, New Hampshire.

- Approved, February 14, 2001 

Boston

The Charles Schwab Corporation, San Francisco, California, and U.S. Trust 

Corporation, New York, New York -- commenter's request to extend the comment 

period for the proposed acquisition of Resource Companies, Inc., Minneapolis, 

Minnesota, and Resource Trust Company.

- Partially Granted, February 8, 2001 (AC)

Secretary

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority February 11, 2001 to February 17, 2001

Bank Holding Companies

Coast Community Bancshares, Inc. Employee Stock Ownership Plan, Biloxi, Mississippi, 

and Community Bancshares of Mississippi, Inc., Brandon -- waiver of a commitment.

- Granted, February 13, 2001 

Atlanta

First Bancorp, Troy, North Carolina -- to merge with Century Bancorp, Inc., Thomasville.

- Approved, February 16, 2001 

Richmond

First BancTrust Corporation, Paris, Illinois -- to become a bank holding company through 

the acquisition of First Bank & Trust, SB.

- Approved, February 16, 2001 

Chicago

Firstrust Corporation, New Orleans, Louisiana -- to acquire Metro Bank, Kenner.

- Approved, February 13, 2001 

Atlanta

FNB Corporation, Christiansburg, Virginia -- transfer agent registration.

- Withdrawn, February 12, 2001 

Director, BS&R

Glacier Bancorp, Inc., Kalispell, Montana -- to engage in community development 

activities through the acquisition of COAD Limited Partnership #2, Missoula, and COAD 

Limited Partnership #3.

- Approved, February 16, 2001 

Minneapolis

MountainBank Financial Corporation, Hendersonville, North Carolina -- to become a 

bank holding company through the acquisition of MountainBank.

- Approved, February 15, 2001 

Richmond

Owenton Bancorp, Inc., Owenton, Kentucky -- to redeem shares.

- Approved, January 31, 2001 (AC)

St. Louis

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority February 11, 2001 to February 17, 2001

Bank Holding Companies

Southern Bancorp, Inc., Marietta, Georgia -- waiver of a commitment.

- Withdrawn, February 16, 2001 

Atlanta

UFS Bancorp, Whitinsville, Massachusetts -- to retain Tommark, Inc. (doing business as 

Sterling Associates).

- Approved, February 9, 2001 (AC)

Boston

Winter Trust of 12/3/74, Ottawa, Kansas -- to engage in lending activities through the 

acquisition of Peoples Mortgage Corporation, Colorado Springs, Colorado.

- Withdrawn, February 14, 2001 

Kansas City

Bank Mergers

The Sylvan State Bank, Sylvan Grove, Kansas -- to merge with Boonslick Bank, 

Boonville, Missouri, and establish a branch in Lee's Summit.

- Withdrawn, February 14, 2001 

Kansas City

Banks, Nonmember, And Miscellaneous Institutions

BNY Trust Company of Missouri, St. Louis, Missouri -- transfer agent registration.

- Approved, February 12, 2001 

Director, BS&R

Change In Bank Control

Loomis Company, Loomis, Nebraska -- change in bank control.

- Permitted, February 12, 2001 

Kansas City

Palm Beach National Holding Company, Palm Beach, Florida -- change in bank control.

- Permitted, February 16, 2001 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority February 11, 2001 to February 17, 2001

Change In Bank Control

Terrapin Bancorp, Inc., Elizabeth, Illinois -- change in bank control.

- Permitted, February 15, 2001 

Chicago

Competitive Factors Reports

The American National Bank and Trust Company of Sapulpa, Sapulpa, Oklahoma -- 

report on competitive factors of the proposed merger with Heritage Bank, Mannford.

- Submitted, February 12, 2001 

Kansas City

The Bank of Cherry Creek, National Association, Denver, Colorado -- report on 

competitive factors of the proposed merger with The Bank of Cherry Creek in Boulder, 

National Association, Boulder.

- Submitted, February 12, 2001 

Kansas City

First Bank and Trust Company, Perry, Oklahoma -- report on competitive factors of the 

proposed purchase of certain assets and assumption of certain liabilities of First State 

Bank, Covington.

- Submitted, February 12, 2001 

Kansas City

First Capital Bank of Arizona, Phoenix, Arizona -- report on competitive factors of the 

proposed merger with FCBA Acquisition Corporation, Denver, Colorado.

- Submitted, February 12, 2001 

Kansas City

First Farmers and Merchants National Bank of Columbia, Columbia, Tennessee -- report 

on competitive factors of the proposed merger with Peoples and Union Bank, Lewisburg.

- Submitted, February 12, 2001 

Secretary

First National Bank of Heavener, Heavener, Oklahoma -- report on competitive factors 

of the proposed merger with The State National Bank of Heavener.

- Submitted, February 12, 2001 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority February 11, 2001 to February 17, 2001

Competitive Factors Reports

People's Bank of California, Los Angeles, California -- report on competitive factors of 

the proposed merger with California National Bank, Beverly Hills.

- Submitted, February 14, 2001 

San Francisco

TeamBank, N.A., Paola, Kansas -- report on competitive factors of the proposed 

merger with Iola Bank and Trust Company, Iola.

- Submitted, February 12, 2001 

Kansas City

Extensions Of Time

Australia and New Zealand Banking Group Limited, Melbourne, Australia -- extension to 

May 7, 2001, to acquire Amerika Samoa Bank, Pago Pago, American Samoa.

- Granted, February 6, 2001 (AC)

New York

BB&T Corporation, Winston-Salem, North Carolina -- extension to May 17, 2001, to 

merge with FirstSpartan Financial Corp., Spartanburg, South Carolina.

- Granted, February 12, 2001 

Richmond

Commercial Bank, Harrogate, Tennessee -- extension to May 28, 2001, to increase 

investment in bank premises.

- Granted, February 13, 2001 

Atlanta

European American Bank, Uniondale, New York -- extension to August 31, 2001, to 

establish a branch at 326-328 Court Street, Brooklyn.

- Granted, February 12, 2001 

New York

The Exchange Bankshares, Inc., Estill, South Carolina -- extension to May 25, 2001, to 

become a bank holding company through the acquisition of The Exchange Bank.

- Granted, February 16, 2001 

Richmond

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority February 11, 2001 to February 17, 2001

Extensions Of Time

M&I Thunderbird Bank, Phoenix, Arizona -- extension to September 15, 2001, to 

establish a branch at the intersection of Elliot and McQueen Roads, Gilbert.

- Granted, February 12, 2001 

San Francisco

NWI Financial Corporation, Seattle, Washington -- extension to May 14, 2001, to 

become a bank holding company through the acquisition of Northwest International Bank.

- Granted, February 14, 2001 

San Francisco

Zions Bancorporation, Salt Lake City, Utah -- extension to April 25, 2001, to increase its 

investment in Garban-Intercapital plc, London, England, and to engage in insurance 

brokerage activities.

- Granted, February 12, 2001 

San Francisco

Financial Holding Companies

FNB Financial Services Corporation, Reidsville, North Carolina -- election to become a 

financial holding company.

- Effective, February 12, 2001 

Richmond

Membership

First Bank of Coastal Georgia, Pembroke, Georgia -- to become a member of the 

Federal Reserve System.

- Approved, February 16, 2001 

Atlanta

Suburban Community Bank, Feasterville, Pennsylvania -- to become a member of the 

Federal Reserve System.

- Approved, February 14, 2001 

Philadelphia

(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, February 17, 2001

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)/3(a)(5) Chittenden Corporation, Burlington, Vermont - application to

acquire 100% of the voting shares of Maine Bank Corporation

and its subsidiary, Maine Bank and Trust Company, both of

Portland, Maine

Newspaper - 03/17/2001

Fed Reg - 03/22/2001

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, February 17, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBRO-BD Bank of Communications, People’s Republic of China, to

establish a representative office in Los Angeles, California

Newspaper – N/A

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Second Quarter of 2001

Institution Location

Bank of Avoca 18 N. Main Street, Avoca, NY 14809

Bank of New York One Wall Street, New York, NY 10015
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, February 17, 2001

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

765019 Bryn Mawr Trust,

Bryn Mawr, PA

06/05/2000 11/24/2000 S X

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, February 17, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Received application from Fifth Third Bank, Cincinnati, OH on

02/12/2001 of its intent to establish a branch at 281 East Broad

Street, Elyria, OH.

02/16/2001

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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, February 17, 2001

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

821120 Bank of the Commonwealth

403 Boush Street

Norfolk, Virginia 23510-1200

11/27/2000 02/11/2001 S X

899428 First Bank

112 West King Street

Strasburg, Virginia 22657-1430

12/04/2000 02/17/2001 O 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, February 17, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Southern Security Bank, Hollywood, Florida, to establish a

branch located at 369 East Palmetto Park Road, Boca Raton,

Florida, to be known as the Boca Raton Office.

02/21/2001*

Branch Southern Security Bank, Hollywood, Florida, to establish a

branch located at 1000 Brickell Avenue, 9th Floor, Miami,

Florida, to be known as the Brickell Avenue Office.

02/21/2001*

Branch Peoples Southern Bank, Clanton, Alabama, to establish a branch

located at 9015 Jones Street, Thorsby, Alabama.

02/23/2001*

*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

CIC Union Bancshares of Campbell County, Inc., Jellico, Tennessee,

prior notification filed by Mr. Pat Allen McClary, Sr.; Mr. Pat

Allen McClary, Jr.; Ms. Imogene McClary; Ms. Diane McNealy

McClary all of Jellico, Tennessee; Ms. Donna McClary Adams,

Franklin, Tennessee; and Ms. Diane McClary Brock, Lafayette,

Georgia, to collectively acquire an additional 24.94 percent of

the outstanding shares of Union Bancshares of Campbell

County, Inc., Jellico, Tennessee, pursuant to the Change in Bank

Control Act of 1978. Total ownership will be 68.05 percent.

N/Avail

3(a)(5) Southern Community Bancorp, Orlando, Florida, to merge with

Peninsula Bancorp, Inc., and thereby acquire Peninsula Bank of

Central Florida, both of Daytona Beach, Florida.

Fed Reg – 03/19/2001*

3(a)(3) Persons Banking Company, Inc., Lithonia, Georgia, to acquire

The Farmers Bank, Forsyth, Georgia.

Fed Reg – 03/12/2001*

*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 PB Financial Services Corporation, Duluth, Georgia,

commitment waiver request.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, February 17, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18c & Branch Security State Bank, New Hampton, Iowa, for prior approval to

merge with its affiliate bank, Security State Bank, Calmar,

Iowa. New Hampton will be the surviving bank and thereby to

establish a branch at 102 W. Main, Calmar, Iowa and 106 E.

Main, Ossian, Iowa.*

Newspaper – 02/12/2001

18c & Branch M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, for prior

approval to merge with M&I Bank of LaCrosse, LaCrosse,

Wisconsin, M&I Bank South Central, Watertown, Wisconsin,

M&I Bank South, Janesville, Wisconsin, M&I Bank of

Mayville, Mayville, Wisconsin, M&I Community State Bank,

Eau Claire, Wisocnsin, M&I Bank of Southern Wisconsin,

Madison, Wisconsin and M&I Thunderbird Bank, Phoenix,

Arizona and thereby to establish 74 branches.*

Newspaper – 02/24/2001

* 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) First BancTrust Corporation, Paris, Illinois, for prior approval to

become a bank holding company through the acquisition of 100

percent of the voting shares of First Bank & Trust, S.B., Paris,

Illinois.*

Fed Reg – 01/22/2001

Newspaper – 02/12/2001

3(a)(1) American Bancorporation, Cedar Falls, Iowa, for prior approval

to become a bank holding company through the acquisition of

100 percent of The Newburg Corporation, Saint Ansgar, Iowa,

and thereby indirectly acquire Cedar Valley State Bank, Saint

Ansgar, Iowa.

Fed Reg – 02/09/2001

Newspaper – 02/02/2001

3(a)(1) BSB Community Bancorporation, Inc., Benton, Wisconsin, for

prior approval to become a bank holding company through the

acquisition of 100 percent of the voting shares of Benton State

Bank, Benton, Wisconsin.*

Fed Reg – 02/26/2001

Newspaper – 02/21/2001
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) United Bancorp, Inc., Tecumseh, Michigan, for prior approval to

acquire 100 percent of the voting shares of United Bank &

Trust-Washtenaw (in organization), Ann Arbor, Michigan.

Fed Reg – 03/02/2001

Newspaper – 02/24/2001

3(a)(3) Grant County State Bancshares, Inc. Employees Stock

Ownership Plan, Swayzee, Indiana, for prior approval to acquire

30.02 percent of the voting shares of Grant County State

Bancshares, Inc., Swayzee, Indiana and thereby indirectly

acquire Grant County State Bank, Swayzee, Indiana.*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(3) Ames National Corporation, Ames, Iowa, for prior approval to

retain its current 5.39% investment in Mahaska Investment

Company, Oskaloosa, Iowa, and thereby indirectly acquire

Mahaska State Bank, Oskaloosa, Iowa and Pella State Bank,

Pella, Iowa.*

Fed Reg – 02/05/2001

Newspaper – 12/31/2000

4(c)(8) Ames National Corporation, Ames, Iowa, for permission to

retain its current 5.39% investment in Mahaska Investment

Company, Oskaloosa, Iowa, and thereby indirectly acquire

Midwest Federal Savings and Loan Association of Eastern Iowa,

Burlington, Iowa, and Central Valley Bank, Ottumwa, Iowa.*

Fed Reg – 02/05/2001

Newspaper – 03/15/2001

CIC Notification by Harry Pike Schaller of a Change in Control, that

his ownership in FNC, Inc., Storm Lake, Iowa, increased from

20.8% to 39.8%.

Fed Reg – 03/02/2001

Newspaper – N/Avail

CIC Notification by Frank D. Neese of a Change in Control, to

retain control of First Community Bancshares, Inc., Bargersville,

Indiana.

Fed Reg – 02/05/2001

Newspaper – N/Avail

3(a)(5) AmericaUnited Bancorp, Inc., Schaumburg, Illinois, for prior

approval to acquire 100 percent of the voting shares of National

Bancorp, Inc., Sycamore, Illinois and thereby indirectly acquire

American National Bank of DeKalb County, Sycamore,

Illinois.*

Fed Reg – 03/09/2001

Newspaper – N/Avail

3(a)(3) Ida Grove Bancshares, Inc., Ida Grove, Iowa, proposes to

acquire at least 80.1% and up to 100% of Alliance Bancshares,

Inc., Rockwell City, Iowa, and thereby indirectly acquire

Alliance Bank, Rockwell City, Iowa.*

Fed Reg – 03/12/2001

Newspaper – N/Avail

3(a)(3) Heartland Bancorp, Inc., Bloomington, Illinois, for prior

approval to acquire 100 percent of the voting shares of Court

Acceptance Company, Pekin, Illinois and thereby indirectly

acquire First State Bank of Pekin, Pekin, Illinois.*

Fed Reg – N/Avail

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

4(c)(8) AmericaUnited Bancorp, Inc., Schaumburg, Illinois, notification

of intent to retain and continue to engage in the activity of

purchasing loan participations from its subsidiary bank and

thereby engage in extending credit and servicing loans.

Fed Reg – 02/20/2001

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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, February 17, 2001

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(j)(5)(B) Notice by Commonwealth Bancshares, Inc., Shelbyville,

Kentucky, to acquire SMC Capital, Inc., Louisville, Kentucky,

and thereby engage in financial and investment advisory

activities as described in Section 225.28(b)(6) of Regulation Y.
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

169653 First Bank St. Louis, Missouri 7/10/2000 2/16/2001 S X

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, February 17, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) & Branch Dacotah Bank, Rolla, North Dakota, to merge with First

National Bank, Bowbells, North Dakota, and incident thereto

establish branches in Bowbells, Minot, and Flaxton, North

Dakota.

N/Avail.

Branch First PREMIER Bank, Sioux Falls, South Dakota, proposes to

establish a branch at 824 34th Street SE, Watertown, South

Dakota.

02/23/2001

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

Type Application

Ending date of

comment period

3(a)(1) First National Bank of Moose Lake Profit Sharing and ESOP,

Moose Lake, Minnesota, proposes to become a bank holding

company by increasing its ownership interest to 42.6% of First

Financial Services of Moose Lake, Inc., Moose Lake,

Minnesota.

Fed. Reg. – 03/12/2001

Newspaper – 03/12/2001

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8)LLD Rivers Ridge Holding Company, Sartell, Minnesota, to engage

de novo in leasing personal or real property through BankVista

Leasing Company.

03/08/2001

4(c)(8)LLE First National Bank of Moose Lake Profit Sharing and ESOP,

Moose Lake, Minnesota, to engage in general insurance agency

activities in a place with a population not exceeding 5,000

through First National Agency of Moose Lake, Inc., Moose

Lake, Minnesota.

03/12/2001
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

SRNEW First Financial Services of Moose Lake, Inc., Moose Lake,

Minnesota proposes to redeem 636.5 shares (66.6%) of capital

stock.

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, February 17, 2001

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) American State Bancshares, Inc., Great Bend, Kansas, for prior

approval to become a bank holding company through the

acquisition of 100 percent of the voting shares of American

State Bank & Trust Company, National Association, Great

Bend, Kansas, a national banking association in organization.

Newspaper – 03/04/2001

Fed Reg – 03/08/2001

3(a)(3) Astra Financial Corporation, Prairie Village, Kansas, for prior

approval to acquire up to 17.43 percent of the voting shares of

First Missouri Bancshares, Inc., Brookfield, Missouri, and

thereby indirectly acquire First Missouri National Bank,

Brookfield, Missouri.

Newspaper – 02/23/2001

Fed Reg – 03/09/2001

CIC David Jackson Swearingen and Susan Gail Swearingen, both of

Nevada, Missouri, to increase their ownership interest from

19.97 percent to 26.63 percent of the voting shares of 1889

Bancshares, Inc., Nevada, Missouri, and thereby indirectly

acquire First National Bank of Nevada, Nevada, Missouri.

Newspaper – 03/01/2001

Fed Reg – 03/06/2001

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 Second Quarter of 2001

Institution Location

Premier Bank Lenexa, Kansas

Citizens State Bank Miltonvale, Kansas

Lamar Bank & Trust Company Lamar, Missouri

 Farmers Bank of Lincoln Lincoln, Missouri

 Community Bank and Trust Neosho, Missouri

 Pinnacle Bank Papillion, Nebraska
Section VI – CRA examinations scheduled for Second Quarter of 2001

Institution Location

 Citizens State Bank Polk, Nebraska

Unita County State Bank Mountain View, Wyoming

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other

circumstances.
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, February 17, 2001

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) Texas Financial Bancorporation, Inc., Minneapolis, MN, and

Delaware Financial, Inc., Wilmington, DE, to acquire

First National Bank of Texas, Decatur, TX*

Fed Reg – N/Avail

Newspaper – N/Avail

*Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, February 17, 2001

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

S/R Westamerica Bank to pay a dividend in the amount of $20

million to its parent, Westamerica Bancorporation, both of San

Rafael, California.
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