Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 32 

Week Ending August 11, 2001 

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions August 5, 2001 to August 11, 2001 

Bank Holding Companies 

First Western Bancorp, Inc., Huron, South Dakota -- to acquire shares of American 

Bank Shares, Inc., Rapid City, and thereby acquire American State Bank of Rapid 

City. 

- Approved, August 8, 2001 

Banks, Foreign 

Banco de Credito del Peru, Lima, Peru -- to establish an agency in Miami, Florida. 

- Approved, August 8, 2001 

Regulations And Policies 

Regulation H -- final amendments to permit state member banks to own financial 

subsidiaries under the Gramm-Leach-Bliley Act (Docket No. R-1064). 

- Approved, August 8, 2001 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority August 5, 2001 to August 11, 2001 

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

International Fiance

Office of Staff Director for Management

Bank Branches, Domestic

Richmond 

Albemarle First Bank, Charlottesville, Virginia -- to establish a branch at 100 5th 

Street, SE. 

- Approved, August 6, 2001 

Atlanta 

AuburnBank, Auburn, Alabama -- to establish a branch at 950 Auburn Road, 

Notasulga. 

- Approved, August 8, 2001 

San Francisco 

Farmers & Merchants Bank of Central California, Lodi, California -- to establish a 

branch at 205 Lincoln Center, Stockton. 

- Approved, August 6, 2001 

Bank Holding Companies

Atlanta 

The 2000 Williams Investment Company, LLC, Atlanta, Georgia, and Trust B 

Created Under Item V of the Last Will and Testament of John Rufus Williams -- to 

become bank holding companies through the acquisition of FNB Newton 

Bankshares, Inc., Covington, and First Nation Bank. 

- Approved, August 9, 2001 

Secretary 

Centennial Bank Holdings, Inc., Eaton, Colorado -- waiver of application in 

connection with the formation of Farmers Bank, Ault. 

- Granted, August 10, 2001 

Philadelphia 

Chester Valley Bancorp, Inc., Downingtown, Pennsylvania -- to form a bank holding 

company through the acquisition of First Financial Bank, and election to become a 

financial holding company. 

- Approved, August 3, 2001 (AC) 

(AC) = Addition or Correction Delegated - Page 1 of 7 
H.2 Actions under delegated authority August 5, 2001 to August 11, 2001 

Bank Holding Companies

Minneapolis 

Citizens State Bancorporation, Grafton, North Dakota -- to merge with Ideal 

Bancshares, Inc., West Fargo, and Walhalla Bank Holding Company, Walhalla. 

- Approved, August 7, 2001 

Kansas City 

Community Banks of Southern Colorado, Rocky Ford, Colorado -- to purchase 

certain assets and assume certain liabilities of First National Bank in Walsenburg, 

Walsenburg. 

- Approved, August 7, 2001 

Boston 

Danvers Bancorp, Inc., Danvers, Massachusetts -- to acquire Revere, MHC, Revere; 

RFS Bancorp; and Revere Federal Savings Bank. 

- Approved, August 6, 2001 

Minneapolis 

Douglas County Bancshares, Inc., Alexandria, Minnesota -- to become a bank 

holding company through the acquisition of Neighborhood National Bank, a de novo 

bank. 

- Approved, August 8, 2001 

Secretary 

Farmers Bank Holding Company, Ault, Colorado -- to become a bank holding 

company through the acquisition of Farmers Bank, a de novo bank (new Farmers 

Bank); for the new Farmers Bank to purchase certain assets and assume certain 

liabilities of the existing Farmers Bank; and for new Farmers Bank to become a 

member of the Federal Reserve System. 

- Approved, August 10, 2001 

Atlanta 

Georgia Bancshares, Inc., Fayetteville, Georgia -- commitment waiver request. 

- Granted, August 10, 2001 

St. Louis 

Gideon Bancshares Company, Dexter, Missouri -- to continue to provide securities 

brokerage activities to customers of its subsidiary banks. 

- Approved, August 10, 2001 

(AC) = Addition or Correction Delegated - Page 2 of 7 
H.2 Actions under delegated authority August 5, 2001 to August 11, 2001 

Bank Holding Companies

Chicago 

Hasten Bancshares, Indianapolis, Indiana -- to acquire shares of Harrington Financial 

Group, Inc., Overland Park, Kansas, and thereby acquire Harrington Bank, FSB, 

Richmond, Indiana. 

- Approved, August 8, 2001 

Atlanta 

Madison Bancshares, Inc., Palm Harbor, Florida -- to become a bank holding 

company through the acquisition of Madison Bank. 

- Approved, August 8, 2001 

Director, BS&R 

Mille Lacs Bancorporation, Inc., Onamia, Minnesota, and Woodlands National Bank, 

Hinckley -- relief from certain commitments. 

- Granted, August 10, 2001 

Chicago 

Quad City Holdings, Inc., Moline, Illinois -- to acquire Cedar Rapids Bank and Trust 

Company, Cedar Rapids, Iowa, a de novo bank, and for Cedar Rapids Bank and 

Trust Company to acquire the Cedar Rapids branch of Quad City Bank and Trust 

Company, Bettendorf, and to become a member of the Federal Reserve System. 

- Approved, August 8, 2001 

Atlanta 

Sweetwater Financial Group, Inc., Powder Springs, Georgia -- to become a bank 

holding company through the acquisition of Georgian Bank, a de novo bank. 

- Reported in error as withdrawn, July 27, 2001 (AC) 

San Francisco 

Trafalgar Holdings, LLC, Vancouver, Washington -- to become a bank holding 

company through the acquisition of shares of Regents Bancshares, Inc., and for 

Regents Bancshares to become a bank holding company through the acquisition of 

Regents Bank, N.A., La Jolla, California, a de novo bank. 

- Approved, August 6, 2001 

(AC) = Addition or Correction Delegated - Page 3 of 7 
H.2 Actions under delegated authority August 5, 2001 to August 11, 2001 

Bank Holding Companies

San Francisco 

YNB Financial Corp., Yakima, Washington -- to become a bank holding company 

through the acquisition of Yakima National Bank. 

- Approved, August 6, 2001 

Banks, Foreign

New York 

Banca Intesa, S.p.A., Milan, Italy -- to establish branches in New York, New York, 

and Chicago, Illinois, and an agency in Los Angeles, California. 

- Approved, April 30, 2001 (AC) 

New York 

Bayerische Hypo- und Vereinsbank, AG, Munich, Germany -- to establish branches 

at 622 Third Avenue and 245 Park Avenue, both in New York, New York. 

- Approved, June 4, 2001 (AC) 

Director, BS&R 

DePfa Bank AG, Wiesbaden, Germany -- to establish a representative office in New 

York, New York. 

- Approved, August 9, 2001 

San Francisco 

Grand Commercial Bank, Taipei, Taiwan -- to establish a wholesale branch in the 

City of Industry, California. 

- Withdrawn, August 10, 2001 

Change In Bank Control

St. Louis 

Bancshares of Gleason, Inc., Gleason, Tennessee -- change in bank control. 

- Permitted, August 9, 2001 

Dallas 

Crosby Bancshares, Inc., Crosby, Texas -- change in bank control. 

- Permitted, August 10, 2001 

(AC) = Addition or Correction Delegated - Page 4 of 7 
H.2 Actions under delegated authority August 5, 2001 to August 11, 2001 

Change In Bank Control

Secretary 

Farmers Bank, Ault, Colorado -- change in bank control of a de novo bank. 

- Permitted, August 10, 2001 

St. Louis 

Village Bancshares, Inc., Springfield, Missouri -- change in bank control. 

- Permitted, August 9, 2001 

Kansas City 

Wheeler County Bancshares, Inc., Ericson, Nebraska -- change in bank control. 

- Permitted, August 8, 2001 

Philadelphia 

Yardville National Bancorp, Mercerville, New Jersey -- change in bank control. 

- Permitted, August 7, 2001 

Competitive Factors Reports

San Francisco 

Bank of Granada Hills, Granada Hills, California -- report on competitive factors of 

the proposed acquisition of the Burbank branch of First Coastal Bank, N.A., El 

Segundo. 

- Submitted, August 9, 2001 

Chicago 

Bank One, National Association, Chicago, Illinois -- report on competitive factors of 

the proposed merger with Bank One, Arizona, National Association, Phoenix, 

Arizona, and Bank One, Utah, National Association, Salt Lake City, Utah. 

- Submitted, August 7, 2001 

Chicago 

BankFinancial, FSB, Olympia Fields, Illinois -- report on competitive factors of the 

proposed merger with Success National Bank, Lincolnshire. 

- Submitted, August 7, 2001 

(AC) = Addition or Correction Delegated - Page 5 of 7 
H.2 Actions under delegated authority August 5, 2001 to August 11, 2001 

Competitive Factors Reports

Dallas 

Citizens National Bank, Henderson, Texas -- report on competitive factors of the 

proposed acquisition of the Longview and White Oak branches of Jefferson Heritage 

Bank, Denton. 

- Submitted, August 10, 2001 

Philadelphia 

Crest Savings Bank, Wildwood, New Jersey -- report on competitive factors of the 

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

branch of Sun National Bank, Vineland. 

- Submitted, August 7, 2001 

Philadelphia 

CSB Bank, Curwensville, Pennsylvania -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Coalport branch of 

AmeriServ Financial Bank, Johnstown. 

- Submitted, August 7, 2001 

Chicago 

First National Bank & Trust, Kokomo, Indiana -- report on competitive factors of 

the proposed merger with Harrington Bank, FSB, Richmond. 

- Submitted, August 9, 2001 

Dallas 

Jacksonville Savings Bank, SSB, Jacksonville, Texas -- report on competitive factors 

of the proposed acquisition of the Carthage branch of Jefferson Heritage Bank, 

Denton. 

- Submitted, August 10, 2001 

Philadelphia 

Mauch Chunk Trust Company, Jim Thorpe, Pennsylvania -- report on competitive 

factors of the proposed merger with Mauch Chunk Interim Trust Company. 

- Submitted, August 9, 2001 

(AC) = Addition or Correction Delegated - Page 6 of 7 
H.2 Actions under delegated authority August 5, 2001 to August 11, 2001 

Extensions Of Time

Richmond 

Capital One Bank, Glen Allen, Virginia -- extension to August 16, 2002, to make an 

equity investment in its subsidiary, Capital One Bank (Europe) plc, London, England. 

- Granted, August 10, 2001 

Atlanta 

Employee Stock Ownership Trust of People's Bank and Trust Company of Pickett 

County, Byrdstown, Tennessee -- extension to October 29, 2001, to acquire shares 

of Upper Cumberland Bancshares, Inc. 

- Granted, August 8, 2001 

Minneapolis 

First State Bank of Warner, Warner, South Dakota -- extension to December 13, 

2001, to establish a branch at 3401 6th Avenue SE, Aberdeen. 

- Granted, August 6, 2001 

St. Louis 

Great Southern Bancorp, Inc., Springfield, Missouri -- extension to February 26, 

2002, to increase its interest in Guaranty Federal Bancshares, Inc., and Guaranty 

Federal Savings Bank. 

- Granted, August 10, 2001 

Financial Holding Companies

Atlanta 

Community Financial Services, Inc., Atlanta, Georgia -- election to become a 

financial holding company. 

- Effective, August 7, 2001 

Atlanta 

Florida Community Bankshares, Inc., Ocala, Florida -- election to become a financial 

holding company. 

- Effective, August 7, 2001 

Minneapolis 

S&C Banco, Inc., New Richmond, Wisconsin -- election to become a financial 

holding company. 

- Effective, August 6, 2001 

(AC) = Addition or Correction Delegated - Page 7 of 7 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, August 11, 2001 

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)(3)/3(a)(5)/ 

4(c)(8) 

Banknorth Group, Inc., Portland, Maine - application to merge 

with Andover Bancorp, Inc., Andover, Massachusetts and 

thereby acquire its banking subsidiaries. Banknorth has also 

filed a notification to acquire 15% of Gloucester Investment 

Corp. in connection with the proposed merger 

Newspaper - 09/04/2001 

Fed Reg - 09/07/2001 

3(a)(1) Southern Connecticut Bancorp, Inc., New Haven, Connecticut -

application to become a bank holding company through the 

acquisition of 100 percent of the capital stock of The Bank of 

Southern Connecticut (in organization), New Haven, 

Connecticut 

Newspaper - 09/10/2001 

Fed Reg - 09/10/2001 

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 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, August 11, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Representative Banca Comerciala Romana S.A., Bucharest, Romania, to 

Office establish a representative office in New York, New York.* 

Branch NCF Bank Plc (formerly known as Nordea Companies Finland 

(NCF) Plc formerly known as MeritaNordbanken Plc), to 

establish a state-licensed branch at 437 Madison Avenue, New 

York, New York.* 

Branch The Chase Manhattan Bank, New York, New York, to open and 

occupy a de novo branch office at 345 Park Avenue, New York, 

New York.* 

18(c) HSBC Bank USA, Buffalo, New York, to assume part of the 

liabilities of CIBC National Bank, Maitland, Florida.* 

Newspaper – N/Avail 

Newspaper – N/Avail 

Newspaper – 09/07/2001 

Newspaper – N/Avail 

* 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

Mr. Young In Chung, Warren, New Jersey, to acquire greater 

than 15 percent of outstanding shares of BNB Financial Services 

Corporation, New York, New York.* 

Newspaper – N/Avail 

Fed Reg – 08/29/2001 

3(a)(3) Citigroup Holding Company, Wilmington, Delaware, Citigroup 

Inc. and Citicorp, both of New York, New York, to acquire all 

of the outstanding shares of Hurley State Bank, Sioux Falls, 

South Dakota * 

Newspaper – N/Avail 

Fed Reg – 09/04/2001 

* Subject to the provisions of the Community Reinvestment Act 

CC 
Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4(c)(8) Popular, Inc., Popular International Bank Inc., both of San Juan, Fed Reg – 08/29/2001 

Puerto Rico, and Popular North America Inc., Mount Laurel, 

New Jersey, to purchase, through their subsidiary, Equity One, 

Inc., Mount Laurel, New Jersey, certain assets of Money Line 

Mortgage, Inc., Englewood, Colorado, and thereby engage in 

extending credit and servicing loans. 

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 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, August 11, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Ameriserv Financial Bank, Johnstown, PA, to establish a 08/22/2001 

branch office at 5 Gateway Center, Pittsburgh, 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 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 

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, August 11, 2001 

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 

25A Received prior notice from PNC Bank, National Association, 

Pittsburgh, PA on 08/07/2001 of its intent to make two US $20 

million investments in offshore mutual funds through an Edge 

subsidiary, BlackRock Overseas Investment Corporation. 
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 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, August 11, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) First Virginia Bank-Colonial, Richmond, Virginia, to merge Newspaper - 09/05/2001 

with First Colonial Bank, Hopewell, Virginia.* 

*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 

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 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 

858528 *The Bank of Marion 

102 West Main Street 

Marion, Virginia 24354-2599 

05/21/2001 07/29/2001 S X

256722 Allfirst Bank 

25 South Charles Street 

Baltimore, Maryland 21201-3330 

01/29/2001 07/09/2001 S X

*Inadvertently omitted from bulletin for week ending August 4, 2001. 

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, August 11, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) Riverside Bank of the Gulf Coast, Cape Coral, Florida, to 09/03/2001* 

acquire certain assets and assume certain liabilities of 

BankAtlantic, Fort Lauderdale, Florida. 

*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 

3(a)(5) F.N.B. Corporation, Naples, Florida, to merge with Promistar 

Financial Corporation, and thereby acquire Promistar Bank, both 

of Johnstown, Pennsylvania. 

Fed Reg – 09/07/2001* 

3(a)(5) United Community Banks, Inc., Blairsville, Georgia, to merge 

with Peoples Bancorp, Inc., and thereby acquire Peoples Bank of 

West Georgia, both of Carrollton, Georgia. 

Newspaper – 

09/15/2001* 

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 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 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, August 11, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Citizens Bank, Flint, Michigan, for prior approval to establish a 

branch at 2285 Cedar Street, Holt, Michigan.* 

18(c) & Branches First Farmers Bank & Trust Company, Converse, Indiana, for 

prior approval to acquire the Greentown, Logansport, Peru, 

Roann and Wabash offices of Lake City Bank, Warsaw, Indiana 

and thereby to establish branches at 520 W. Main Street, 

Greentown, Indiana, 3910 E. Market Street, Logansport, 

Indiana, 2 N. Broadway, Peru, Indiana, 110 Chippewa Street, 

Roann, Indiana and 1004 N. Cass Street, Wabash, Indiana.* 

18(c) & Branches M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, for prior 

approval to merge with National City Bank of Minneapolis, 

Minneapolis, Minnesota and thereby to establish branches at 651 

Nicollet Mall, Minneapolis, Minnesota and 3905 West 69th 

Street, Edina, Minnesota.* 

Newspaper – 8/31/2001 

Newspaper – N/Avail 

Newspaper – N/Avail 

* 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)(1 Bank Iowa Holding Company, Clarinda, Iowa, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of Farmers State 

Bank, Schleswig, Iowa.* 

4(c)(8) Chemical Financial Corporation, Midland, Michigan, for prior 

approval to acquire 100 percent of the voting shares of Bank 

West Financial Corporation, Grand Rapids, Michigan and 

thereby indirectly acquire Bank West, Grand Rapids, Michigan 

and to acquire 100 percent of the voting shares of Sunrise 

Mortgage Company, Grand Rapids, Michigan (a wholly-owned 

subsidiary of Bank West), and thereby to engage in extending 

credit and servicing loans. 

Fed Reg – 8/27/2001 

Newspaper – 9/01/2001 

Fed Reg – 8/17/2001 

Newspaper – 8/19/2001 
Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

3(a)(5) First Financial Corporation, Terre Haute, Indiana, for prior 

approval to acquire 100 percent of the voting shares of 

Community Financial Corp., Olney, Illinois and thereby 

indirectly acquire Community Bank and Trust, N.A., Olney, 

Illinois.* 

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

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

an additional 1,300 shares (1.97 percent), for a total ownership 

of 21,113 shares (31.99 percent) of the voting shares of Grant 

County State Bancshares, Inc., Swayzee, Indiana and thereby 

indirectly acquire Grant County State Bank, Swayzee, Indiana.* 

3(a)(3) Kerndt Bank Services, Inc., Lansing, Iowa, for prior approval to 

acquire 100 percent of the voting shares of Westmont 

Corporation, West Union, Iowa, and thereby indirectly acquire 

Farmers Savings Bank, West Union, Iowa.* 

Notification by Charles Weldon Morrison of a Change in 

Control of Lamoine Bancorp, Inc., La Harpe, Illinois. 

3(a)(1) MB-MidCity, Inc., Chicago, Illinois, for prior approval to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of MB Financial, Inc., Chicago, 

Illinois and Manufacturers National Corporation, Chicago, 

Illinois and thereby indirectly acquire Manufacturers Bank, 

Chicago, Illlinois; 100 percent of the voting shares of MidCity 

Financial Corporation, Chicago, Illinois and thereby indirectly 

acquire First National Bank of Elmhurst, Elmhurst, Illinois, 

Mid-City National Bank of Chicago, Chicago, Illinois, First 

National Bank of Morton Grove, Morton Grove, Illinois and 

Union Bank and Trust Company, Oklahoma City, Oklahoma 

and 100 percent of the voting shares of Abrams Centre 

Bancshares, Inc., Dallas, Texas and thereby indirectly acquire 

Abrams Centre National Bank, Dallas, Texas.* 

Mid-Iowa Bancshares Co., Algona, Iowa, for prior approval to

3(a)(3) acquire in excess of 5% but not to exceed 10% of Horizon Bank 

(in organization), Encino, California.* 

3(a)(3) Oswego Community Bank Employee Stock Ownership Plan, 

Oswego, Illinois, for prior approval to acquire an additional 

19.69 percent, for a total of 47 percent, of the voting shares of 

Oswego Bancshares, Inc., Oswego, Illinois and thereby 

indirectly acquire Oswego Community Bank, Oswego, Illinois.* 

3(a)(3) Panhandle Aviation, Inc., Clarinda, Iowa, for prior approval to 

acquire 100 percent of the voting shares of Bank Iowa Holding 

Company, Clarinda, Iowa, and thereby indirectly acquire 

Farmers State Bank, Schleswig, Iowa.* 

Fed Reg – 8/10/2001 

Newspaper – 8/02/2001 

Fed Reg – 8/24/2001 

Newspaper – 8/13/2001 

Fed Reg – 8/27/2001 

Newspaper – N/Avail 

Fed Reg – 7/24/2001 

Newspaper – N/Avail 

Fed Reg – 8/10/2001 

Newspaper – 8/11/2001 

Fed Reg – N/Avail 

Newspaper – N/Avail 

Fed Reg – 9/04/2001 

Newspaper – N/Avail 

Fed Reg – 8/27/2001 

Newspaper – 9/01/2001 

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

Ending date of 

Type Application comment period 

3(a)(1) Piper Holdings, Inc., Covington, Indiana, for prior approval to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of The Fountain Trust Company, 

Covington, Indiana.* 

3(a)(3) River Valley Bancorp, Inc., Eldridge, Iowa, for prior approval to 

acquire 80.95 percent of the voting shares of Southeast Security 

Bank, Mediapolis, Iowa.* 

Notification by John G. Rosholt, of a Change in Control of 

Rosholt Bancorporation, Inc., Rosholt, Wisconsin. 

3(a)(1) WB Bancshares, Inc., Bloomington, Wisconsin, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of Woodhouse 

and Bartley Bank, Bloomington, Wisconsin.* 

Fed Reg – 7/30/2001 

Newspaper – 8/10/2001 

Fed Reg – 8/27/2001 

Newspaper – 8/25/2001 

Fed Reg – 8/27/2001 

Newspaper – N/Avail 

Fed Reg – 9/10/2001 

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 

4(c)(8) MB-MidCity, Inc., Chicago, Illinois, for prior approval to Fed Reg – 8/10/2001 

acquire 60 percent of the voting shares of Summit MFR Leasing 

LLC, Cincinnati, Ohio and Sentry Lease Equity Pool 2000-1, 

LLC, Salt Lake City, Utah and thereby engage in leasing 

personal or real property. 

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

Type Application 

4(c)(8) Jones Bancorp, Inc., Marcellus, Michigan, notification of intent 

to engage de novo in brokering real estate mortgage loans for 

third parties. 

CC 
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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Fourth Quarter of 2001 

Institution Location 

ILLINOIS 

The Farmers State Bank of Western Illinois

Bloomingdale Bank and Trust

Camp Grove State Bank

Hartsubrg State Bank

LaSalle State Bank

United Community Bank of Lisle

Lakeland Community Bank

Villa Park Trust & Savings Bank

Alpha, Illinois

Bloomingdale, Ilinois

Camp Grove, Illinois

Hartsburg, Illinois

LaSalle, Illinois

Lisle, Illinois

Round Lake Heights, Illinois

Villa Park, Illinois
Section VI – CRA examinations scheduled for Fourth Quarter of 2001 

Institution Location 

INDIANA 

The Farmers State Bank 

First Farmers Bank & Trust 

The Garrett State Bank 

IOWA 

First American Bank

Bank Iowa

Titonka Savings Bank

Ute State Bank

MICHIGAN 

Byron Center State Bank 

WISCONSIN 

The Farmers and Merchants Bank 

Community First Bank 

Brookston, Indiana 

Converse, Indiana 

Garrett, Indiana 

Fort Dodge, Iowa 

Red Oak, Iowa 

Titonka, Iowa 

Ute, Iowa 

Byron Center, Michigan 

Berlin, Wisconsin 

Boscobel, Wisconsin 

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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, August 11, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Notice by Midwest BankCentre, St. Louis, Missouri, to establish 8/15/2001 

a limited service branch at 14901 North Outer Forty Road, 

Chesterfield, Missouri.* 

* 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) Notice by First Banks, Inc., St. Louis, Missouri, to acquire 100 

percent of BYL Bancorp, Orange, California.* 

Newspaper – 9/6/2001 

Fed Reg - 9/10/2001 

3(a)(3) Companion notice by First Banks America, Inc., St. Louis, 

Missouri, to acquire 100 percent of BYL Bancorp, Orange, 

California.* 

Newspaper – 9/6/2001 

Fed Reg - 9/10/2001 

* 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 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

634245 Union Bank of Illinois, Swansea, 4/2/2001 8/7/2001 S X 

Illinois 

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, August 11, 2001 

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)(5) Citizens Bank Holding Company, Finley, North Dakota, for 

prior approval to merge with First Sharon Holding Company, 

Inc., Aneta, North Dakota.* 

Fed. Reg. – N/Avail. 

Newspaper – N/Avail. 

CIC Davis Bancshares Limited Partnership to acquire control of 

Belle Fourche Bancshares, Inc., Belle Fourche, South Dakota. 

Fed. Reg. – 08/27/2001 

Newspaper – 07/10/2001 

CIC Karlton Adam to acquire control of Blunt Bank Holding 

Company, Blunt, South Dakota. 

Fed. Reg. – 08/28/2001 

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 

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 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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, August 11, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Gold Bank, Leawood, Kansas, for prior approval to establish a 

branch at 1201 Northwest Briarcliff Parkway, Kansas City, 

Missouri. 

Branch Legacy Bank, Hinton, Oklahoma, for prior approval to establish 

a branch at 13216 N. MacArthur, Oklahoma City, Oklahoma. 

Branch First United Bank, Denver, Colorado, for prior approval to 

establish a branch at 10024 West San Juan Way, Littleton, 

Colorado. 

Newspaper – 08/11/2001 

Newspaper – 08/15/2001 

Newspaper – 07/20/2001 

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

Ending date of 

Type Application comment period 

3(a)(1) First Western Bank Shares, Inc., Huron, South Dakota, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of Marquette 

Bank Nebraska, N.A., O’Neill, Nebraska. 

3(a)(1) State Bank of Winfield Employee Stock Ownership Plan, 

Winfield, Kansas, for prior approval to become a bank holding 

company through the acquisition of 32.45 percent of the voting 

shares of State Financial Investments, Inc., Winfield, Kansas. 

3(a)(3) Howard County Land and Cattle Company, Grand Island, 

Nebraska, for prior approval to acquire 80 percent of the voting 

shares of Citizens National Bank in Loup City, Loup City, 

Nebraska, a proposed new national banking association. 

Newspaper – 08/25/2001 

Fed Reg – 08/20/2001 

Newspaper – 08/31/2001 

Fed Reg – 09/04/2001 

Newspaper – 09/08/2001 

Fed Reg – N/Available 

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 

3(a)(1)RN BW Holdings, Inc., Castle Rock, Colorado, for prior approval to 

become a bank holding company through the reorganization of 

100 percent of the voting shares of BankWest, Castle Rock, 

Colorado. 

3(a)(1)RN SSB Holding, Inc., Wellington, Kansas, for prior approval to 

become a bank holding company through the reorganization of 

100 percent of the voting shares of Security State Bank – 

Wellington, Wellington, Kansas. 

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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

742355 Farmers Bank of Lincoln 05/21/2001 08/08/2001 S X 

Main and Highway 65 

Lincoln, Missouri 65338-0250 

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, August 11, 2001 

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) BOTH, Inc., Kerrville, TX, to acquire 

BOTH of Delaware, Inc., Wilmington, DE, and 

Bank of the Hills, N.A., Kerrville, TX* 

(previously reported the week ending August 4, 2001) 

3(a)(1) BOTH of Delaware, Inc., Wilmington, DE, to acquire 

Bank of the Hills, N.A., Kerrville, TX* 

(previously reported the week ending August 4, 2001) 

CIC Eugene A. Ludwig, Washington, D.C., and Evan G. Galbraith, 

New York, NY, acting as voting trustees, 

to acquire an interest in 

Laredo National Bancshares, Inc., Laredo, TX 

(previously reported the week ending August 4, 2001) 

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

Cisco Bancshares of Nevada, Inc., Carson City, NV, and 

First National Bank in Cisco, Cisco, TX* 

3(a)(1) Cisco Bancshares of Nevada, Inc., Carson City, NV, to acquire 

First National Bank in Cisco, Cisco, TX* 

3(a)(3) Olney Bancshares of Texas, Inc., Olney, TX, and 

Olney Bancorp of Delaware, Inc., Wilmington, DE, to acquire 

Friona State Bank, Friona, TX* 

Fed Reg – 09/04/2001 

Newspaper – 09/01/2001 

Fed Reg – 09/04/2001 

Newspaper – 09/01/2001 

Fed Reg – 08/28/2001 

Newspaper – N/Avail 

Fed Reg – 09/07/2001 

Newspaper – N/Avail 

Fed Reg – 09/07/2001 

Newspaper – N/Avail 

Fed Reg – 09/07/2001 

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 

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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

913267 Legacy Bank of Texas 

1105 W. 15th Street & Alma Road 

04/30/2001 08/11/2001 S X 

Plano, Texas 75075-7247 

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, August 11, 2001 

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)(3) National Mercantile Bancorp, Los Angeles, California, to acquire 

South Bay Bank, N.A., Torrance, California, pursuant to section 

3(a)(3) of the Bank Holding Company Act.* 

Newspaper – N/Avail 

Fed Reg – 09/11/2001 

CIC Ronald C. LaFranchi, Coquille, Oregon, to retain 18.8 percent 

and to acquire additional shares of Independent Financial 

Network, Coos Bay, Oregon.* 

Newspaper – N/Avail 

Fed Reg – 09/04/2001 

* 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 

3(a)(5)(C) First Independent Capital of Nevada, Reno, Nevada, to become a 

bank holding company by acquiring First Independent Bank of 

Nevada, Reno, Nevada. 
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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

33772 Placer Sierra Bank 04/02/2001 08/07/2001 S X 

649 Lincoln Way 

Auburn, California 95603 

(530) 823-7777 

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 Fourth Quarter of 2001 

Institution Location 

1st Pacific Bank of California

Bank of the Orient

Bay Bank of Commerce

Coast Commercial Bank

County Bank

Metro Commerce Bank

Mid-Peninsula Bank

Nevada First Bank

Peninsula Bank of Commerce

San Diego, CA

San Francisco, CA

San Leandro, CA

Santa Cruz, CA

Merced, CA

San Rafael, CA

Palo Alto, CA

Las Vegas, NV

Millbrae, CA
Section VI – CRA examinations scheduled for Fourth Quarter of 2001 

Institution Location 

Southwest Bank of Phoenix Phoenix, AZ 

Spectrum Bank Garfield, CA 

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.