Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 17

Week Ending April 24, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions April 18, 2004 to April 24, 2004

Testimony And Statements

Condition of the U.S. Banking System -- statement by Chairman Greenspan before the 

Senate Committee on Banking, Housing, and Urban Affairs.

- Published, April 20, 2004 

Economic Outlook -- statement by Chairman Greenspan before the Joint Economic 

Committee.

- Published, April 21, 2004 

Regulations And Policies

Policy Statement on Payments System Risk -- publication for comment of proposed 

revisions to Part II of the statement addressing risk management in payments and 

securities settlement systems. (Docket No. OP-1191).

- Approved, April 20, 2004 

(AC) = Addition or Correction Board - Page 1 of 1
April 18, 2004 to April 24, 2004

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

AmSouth Bank, Birmingham, Alabama -- to establish a branch at 16645 Fishhawk 

Boulevard, Lithia, Florida.

- Approved, April 19, 2004 

Atlanta

Comerica Bank, Detroit, Michigan -- to establish a branch at 108 West Highland Road, 

Howell.

- Approved, April 21, 2004 

Secretary

Fifth Third Bank, Grand Rapids, Michigan -- to establish branches at 1943 Cedar Street, 

Holt, and 29 West Division Street, Chicago, Illinois.

- Approved, April 21, 2004 

Cleveland

First Bank of Turley, Tulsa, Oklahoma -- to establish a branch at 1602 West Rogers 

Boulevard, Skiatook, and to increase its investment in bank premises.

- Approved, April 22, 2004 

Kansas City

Iron and Glass Bank, Pittsburgh, Pennsylvania -- to establish a branch at 3 Park Manor 

Drive, Robinson Township.

- Approved, April 21, 2004 

Secretary

JPMorgan Chase Bank, New York, New York -- to establish branches at 3610 

McKinney Avenue, Dallas, Texas, and 8901 North Tarrant Parkway, North Richland 

Hills.

- Approved, April 23, 2004 

New York

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority April 18, 2004 to April 24, 2004

Bank Branches, Domestic

Pinnacle Bank, Papillion, Nebraska -- to establish a branch at 16821 Audrey Street, 

Omaha.

- Approved, April 22, 2004 

Kansas City

Regions Bank, Birmingham, Alabama -- to establish a branch at 1711 North Loop 336 

West, Conroe, Texas.

- Approved, April 19, 2004 

Atlanta

Sky Bank, Salineville, Ohio -- to establish branches at 4078 Powell Road, Powell, and 

30400 Detroit Road, Westlake.

- Approved, April 23, 2004 

Cleveland

Bank Holding Companies

American Community Bancorp, Inc., Evansville, Indiana -- to become a bank holding 

company and to acquire Bank of Evansville, National Association.

- Approved, April 23, 2004 

St. Louis

AmFin Holding Company, Silver City, New Mexico -- to become a bank holding 

company and to acquire AmBank.

- Approved, April 23, 2004 

Dallas

Capital One Financial Corporation, McLean, Virginia -- commenter's request for 

extension of the comment period on the application to become a bank holding company 

and to amend the charter of its subsidiary, Capital One Bank, Glen Allen.

- Denied, April 20, 2004 

Secretary

Cathay General Bancorp, Los Angeles, California -- to acquire shares of Broadway 

Financial Corporation and thereby acquire Broadway Federal Bank, FSB.

- Withdrawn, April 21, 2004 

San Francisco

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority April 18, 2004 to April 24, 2004

Bank Holding Companies

CBOA Financial, Inc., Tucson, Arizona -- to become a bank holding company and to 

acquire Commerce Bank of Arizona.

- Approved, April 21, 2004 

San Francisco

Central Bancompany, Jefferson City, Missouri -- to acquire Community Bancs of 

Oklahoma, Inc., Tulsa, Oklahoma, and Community Bank & Trust Company.

- Approved, April 21, 2004 

St. Louis

Community State Bank Employee Stock Ownership Plan and Trust, Union Grove, 

Wisconsin -- to acquire additional shares of Union Bancorporation, Inc. and thereby 

acquire Community State Bank.

- Approved, April 23, 2004 

Chicago

National Penn Bancshares, Inc., Boyertown, Pennsylvania -- to acquire Peoples First, 

Inc., Oxford, and The People's Bank of Oxford.

- Approved, April 23, 2004 

Philadelphia

Parish National Corporation, Covington, Louisiana -- to become a bank holding company 

and to acquire Parish National Bank, Bogalusa.

- Approved, April 20, 2004 

Atlanta

Security Pacific Bancorp, Ontario, California -- to acquire through its subsidiary, 

Network Finance, Inc., an interest in Genuine Home Loans, Pasadena, and thereby 

engage in mortgage lending activities.

- Withdrawn, April 21, 2004 

San Francisco

Southern Community Bancshares, Inc., Fayetteville, Georgia -- commitment waiver 

request.

- Granted, April 20, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority April 18, 2004 to April 24, 2004

Bank Holding Companies

Southern Heritage Bancshares, Inc., Cleveland, Tennessee -- to become a bank holding 

company and to acquire Southern Heritage Bank.

- Withdrawn, April 23, 2004 

Atlanta

Banks, Foreign

Credit Agricole S.A., Paris, France -- to be relieved from certain commitments, to 

operate temporary offices, and to apply to establish an office after-the-fact.

- Granted, April 15, 2004 (AC)

Director, BS&R and General Counsel

Change In Bank Control

Anchor Bancorp, Inc., Wayzata, Minnesota -- change in bank control.

- Permitted, April 23, 2004 

Minneapolis

Competitive Factors Reports

Bank of America, National Association, Charlotte, North Carolina -- report on 

competitive factors of the proposed merger with Bank of America Technology and 

Operations, Inc.

- Submitted, April 23, 2004 

Richmond

Bank of North Georgia, Alpharetta, Georgia -- report on competitive factors of the 

proposed merger with Mountain National Bank, Tucker, and Charter Bank and Trust 

Company, Marietta.

- Submitted, April 20, 2004 

Atlanta

Bridgeview Bancorp, Inc., Bridgeview, Illinois -- report on competitive factors of the 

proposed acquisition of the Mokena branch of First East Side Savings Bank, Chicago.

- Submitted, April 20, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority April 18, 2004 to April 24, 2004

Competitive Factors Reports

Emprise Bank, Wichita, Kansas -- report on competitive factors of the proposed merger 

with Emprise Bank, N.A., Hays.

- Submitted, April 22, 2004 

Kansas City

Lincoln Savings Bank, Cedar Falls, Iowa -- report on competitive factors of the 

proposed merger with the Tama branch of TSB Bank, Marshalltown.

- Submitted, April 20, 2004 

Chicago

MB Financial Bank, National Association, Chicago, Illinois -- report on competitive 

factors of the proposed merger with First Security Federal Savings Bank.

- Submitted, April 20, 2004 

Chicago

The National Bank of Blacksburg, Blacksburg, Virginia -- report on competitive factors 

of the proposed purchase of assets and assumption of liabilities of Community National 

Bank, Pulaski.

- Submitted, April 23, 2004 

Richmond

National City Bank of Michigan/Illinois, Bannockburn, Illinois -- report on competitive 

factors of the proposed merger with Allegiant Bank, St. Louis, Missouri.

- Submitted, April 20, 2004 

Chicago

Northwest Savings Bank, Warren, Pennsylvania -- report on competitive factors of the 

proposed merger with Leeds Federal Savings Bank, Baltimore, Maryland.

- Submitted, April 21, 2004 

Cleveland

Silver Acquisition Corporation, Leawood, Kansas -- report on competitive factors of the 

proposed merger with Gold Bank.

- Submitted, April 22, 2004 

Kansas City

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority April 18, 2004 to April 24, 2004

Competitive Factors Reports

United Commercial Bank, Atlanta, Georgia -- report on competitive factors of the 

proposed merger with UCB Interim Corporation.

- Submitted, April 20, 2004 

Atlanta

Extensions Of Time

Community Bank of Georgia, Inc., Baxley, Georgia -- extension to August 6, 2004, to 

become a bank holding company and to acquire Community Bank of Georgia, a de novo 

bank.

- Granted, April 21, 2004 

Atlanta

Compass Bank, Birmingham, Alabama -- extension to May 9, 2005, to establish mobile 

branches to serve the following areas: Birmingham, Huntsville, Mobile, Montgomery, 

Tuscaloosa; Scottsdale, Arizona, Tempe, Tucson; Denver, Colorado, Boulder, Colorado 

Springs, Fort Collins; Gainesville, Florida, Jacksonville, Pensacola, Fort Walton Beach, 

Saint Augustine; Albuquerque, New Mexico; Dallas, Texas, Houston, and San Antonio.

- Granted, April 20, 2004 

Atlanta

Far East National Bank, Los Angeles, California -- extension to February 28, 2005, to 

establish a branch in Ho Chi Minh City, Vietnam.

- Granted, April 21, 2004 

San Francisco

First Centralia Bancshares, Inc., Centralia, Kansas -- extension to July 29, 2004, to 

acquire, directly and indirectly, voting shares in Century Capital Financial, Inc., Kilgore, 

Texas, and its subsidiary bank, City National Bank; and FBC Financial Corporation, 

Claremore, Oklahoma, and its subsidiary thrift, 1st Bank Oklahoma.

- Granted, April 19, 2004 

Kansas City

First Midwest Bank, Itasca, Illinois -- extension to July 21, 2004, to establish branches at 

19305 Sandlake Road, Lindenhurst, and 11155 180th Street, Orland Park.

- Granted, April 23, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority April 18, 2004 to April 24, 2004

Financial Holding Companies

Harbor Bankshares Corporation, Baltimore, Maryland -- election to become a financial 

holding company.

- Effective, April 23, 2004 

Richmond

(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, April 24, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The 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, April 24, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA FirstBank, San Juan, Puerto Rico, to establishment of an agency 

in the state of Florida.

Newspaper – 05/01/2004

Branch Adirondack Bank, Utica, New York, requests to establish a 

branch located at 500 East Main Street, Little Falls, New York.

Newspaper – 04/16/2004

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

Type Application

Ending date of

comment period

3a3, 3a5, & 4c8 North Fork Bancorporation, Melville, New York, to merge with 

GreenPoint Financial Corp., and indirectly acquire GreenPoint 

Bank and GreenPoint Community Development Corp., all of 

New York, New York.

Newspaper – 05/19/2004

Fed Reg – 05/17/2004

4c8 Popular Inc and Popular International Bank, both of San Juan, 

Puerto Rico, and Popular North America, Mount Laurel, 

NewJersey, to acquire indirect control of Quaker City Bancorp, 

Whittier, California. 

Newspaper – N/Avail

Fed Reg – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

The Community Reinvestment Act is intended to encourage depository institutions to he lp 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

3506 Interchange Bank, Saddle Brook, 

New Jersey.

10/20/2003 04/14/2004 S X

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, April 24, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bryn Mawr Trust Company, Bryn Mawr, PA, to establish a 

branch office located at 237 North Pottstown Pike, Exton, West 

Whiteland Township, Chester County PA.

Newspaper – 05/07/2004

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 Fe deral Register or newspaper notice

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, April 24, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*18(c) & Branch Merger of State National Bank of Frankfort, Frankfort, KY, and 

First National Bank & Trust Company, Georgetown, KY, into 

Whitaker Bank, National Association, Lexington, KY

Newspaper – 05/02/2004

*Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

*3(a)(1) Citizens Bancshares, Inc., Bluffton, Ohio, proposes to become a 

bank holding company through the acquisition of The Citizens 

National Bank, Bluffton, Ohio.

Newspaper – 05/01/2004

Fed Reg – 04/30/2004

CIC Notice of Change in Bank Control by the Clay and Bernice 

Corman Family Control Group, Nicholasville, Kentucky, to 

retain 17.78% of the voting shares of Citizens National 

Bancshares, Inc., Nicholasville, Kentucky.

Newspaper – 04/14/2004

Fed Reg – N/Avail

*3(a)(3) & 3(a)(5) Applications by Fifth Third Bancorp and Fifth Third Financial 

Corporation, its wholly-owned subsidiary, both of Cincinnati, 

Ohio, to acquire Franklin Financial Corporation and its sole 

subsidiary bank, Franklin National Bank, both of Franklin, 

Tennessee.

Newspaper – 04/11/2004

Fed Reg – 04/15/2004

*3(a)(5) Huntington Bancshares Incorporated, Columbus, Ohio, to 

acquire Unizan Financial Corp., Canton, Ohio.

Newspaper – 04/28/2004

Fed Reg – 04/23/2004

*3(a)(5) & 4(c)(8) National City Corporation, Cleveland, Ohio, to acquire 100 

percent of Provident Financial Group, Inc., Cincinnati, Ohio, 

and thereby indirectly acquire Provident Bank, Cincinnati, Ohio.

Newspaper – 03/22/2004

Fed Reg – 03/19/2004
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

*18(c) & 3(a)(1) North Valley Bancshares, Inc., Zanesville, OH to acquire North 

Valley Bank, Zanesville, OH pursuant to Section 3(a)(1) of the 

Bank Holding Company Act and North Valley Bank, Zanesville, 

OH to merge with North Valley Interim Bank, Zanesville, OH 

pursuant to Section 18(c) of the Federal Deposit Insurance Act.

Newspaper – N/Avail

Fed Reg – N/Avail

*18(c), *3(a)(5), 

& *Branch 

Sky Financial Group, Inc., Bowling Green, Ohio, to acquire 

Second Bancorp, Incorporated, Warren, Ohio.

Newspaper – 04/26/2004

Fed Reg – N/Avail

*Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Member Morehead Bank, Inc., Morehead, Kentucky, to become a 

member of the Federal Reserve System.

Member Mount Sterling Bank, Inc., Mount Sterling, Kentucky, to 

become a member of the Federal Reserve System.

Member Peoples Bank and Trust Company of Madison County, Berea, 

Kentucky, to become a member of the Federal Reserve System.

Member Whitaker Bank, Inc., Lexington, Kentucky, to become a member 

of the Federal Reserve System.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, April 24, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(5) The South Financial Group, Inc., Greenville, South Carolina,to 

acquire 100% of the voting shares of CNB Florida Bancshares, 

Inc., Jacksonville, Florida.*

Fed Reg – 05/10/2004 

Newspaper – 05/09/2004

3(a)(5) The South Financial Group, Inc., Greenville, South Carolina, to 

acquire 100% of the voting shares of Florida Banks, Inc., 

Jacksonville, Florida.*

Fed Reg – 05/10/2004 

Newspaper – 05/09/2004

*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 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, April 24, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Pointe Bank, Boca Raton, Florida, to establish a branch located 

at 165 East Boca Raton Road, Boca Raton, Florida.*

Newspaper – 04/26/2004

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

located at 1805 Thomason Drive, Opelika, Alabama.*

Newspaper – 04/23/2004

Branch Sterling Bank, Lantana, Florida, to establish a branch located at 

1201 South Andrews Avenue, Fort Lauderdale, Florida.*

Newspaper – 04/30/2004

Branch TransAtlantic Bank, Miami, Florida, to establish a branch 

located at 1666 Kennedy Causeway, North Bay Village, 

Florida.*

Newspaper – 04/26/2004

18(c) Cumberland Bank South, Franklin, Tennessee, to merge with 

Cumberland Bank, Carthage, Tennessee.*

Newspaper – 05/21/2004

*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 American Bancorp, Inc., Opelousas, Louisiana, prior change in 

control notice filed by Salvador Lawrence Diesi, Sr., Elaine 

Diesi Ardoin, Joseph William Diesi, Joseph Charles Diesi, Sr., 

Samuel Charles Diesi, Joseph Charles Diesi, Jr., and Linda Diesi 

Cornette, all of Opelousas, Louisiana, Frank James Diesi, II, and 

Thomas Robert Diesi, both of Breaux Bridge, Louisiana, and 

Salvador Lawrence Diesi, Jr., Lafayette, Louisiana, to

collectively acquire 13.71 percent of the outstanding shares of 

American Bancorp, Inc., Opelousas, Louisiana. Total pro forma 

ownership will be 40.30 percent.

Newspaper – 05/10/2004

Fed Reg – 05/06/2004

3(a)(5) Citizens Banking Corporation, Frostproof, Florida, to merge 

with American Banking Corporation, and thereby directly 

acquire its subsidiary, American Bank and Trust Company, both 

of Lake Wales, Florida.*

Newspaper – 05/08/2004

Fed Reg – 05/06/2004
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(5) Upson Bankshares, Inc., Thomaston, Georgia, to merge with 

First Polk Bankshares, Inc., and thereby directly acquire its 

subsidiary, First National Bank of Polk County, both of 

Cedartown, Georgia.*

Newspaper – N/Avail

Fed Reg – N/Avail

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

3(a)(1) Southern Heritage Bancshares, Inc., Cleveland, Tennessee, 

notice to become a bank holding company by acquiring 100 

percent of the outstanding shares of Southern Heritage Bank, 

Cleveland, Tennessee.

4(c)(8) SunTrust Banks, Inc., Atlanta, Georgia, along with its 

subsidiary, Trusco Capital Management, Inc., Atlanta, Georgia, 

to acquire 100 percent of Seix Investment Advisors Inc., 

Woodcliff Lake, New Jersey, and thereby engage in financial 

and investment advisory activities.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, April 24, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Comerica Bank, Detroit, Michigan, to establish a branch facility 

to be located at 8660-26 Mile Road, Shelby Township, Macomb 

County, Michigan.*

Newspaper – 04/26/2004

18C Community Bank (in organization), Austin, Minnesota, to 

purchase the assets and assume the liabilities of the Austin, 

Minnesota branch of Security Bank Minnesota, Albert Lea, 

Minnesota.*

Newspaper – N/Avail

Branch Harris Trust and Savings Bank, Chicago, Illinois, to establish a 

branch facility to be located at the northwest corner of 2nd 

Avenue and Laurel Street, Highland Park, Illinois.*

Newspaper – N/Avail

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

establish branch facilities to be located at Recker Road & East 

McKellips Road, Mesa, Arizona; East Allouez & CTH GV, 

Bellevue, Wisconsin, and 9935 Hudson Place, Woodbury, 

Minnesota.*

Newspaper – 05/01/2004

Branch Quad City Bank and Trust Company, Bettendorf, Iowa, to 

establish a branch facility to be located at 1700 Division Street, 

Davenport, Iowa.*

Newspaper – 04/14/2004

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Community National Bancorporation, Waterloo, Iowa, to 

acquire 100 percent of Community Bank (In Organization), 

Austin, Minnesota.*

Fed Reg – 05/03/2004

Newspaper – N/Avail

4(c)(8) FBOP Corporation, Oak Park, Illinois, to acquire 100 percent of 

the voting shares of California Savings Bank, San Francisco, 

California, and thereby operate a savings association.*

Fed Reg – 05/06/2004

Newspaper – 05/06/2004
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) First Busey Corporation, Urbana, Illinois, to acquire 100 percent 

of the voting shares of First Capital Bankshares, Inc., Peoria, 

Illinois, and thereby indirectly acquire First Capital Bank, 

Peoria, Illinois, and Community Bank of Lemont, Lemont, 

Illinois.*

Fed Reg – 04/22/2004

Newspaper – 05/03/2004

CIC Notice by Thomas M. Johannesen, Elgin, Illinois, Claire C. 

Johannesen, Elgin, Illinois, Mary Johannesen-Schmidt, Palatine, 

Illinois, Timothy P. Schmidt, Palatine, Illinois, Kathleen E. 

Tomei, Lake Bluff, Illinois, Richard Tomei, Lake Bluff, Illinois, 

Thomas M. Johannesen, Jr., Chicago, Illinois, Jennifer 

Johannesen, Chicago, Illinois, James Johahnnesen, Hinsdale, 

Illinois, Barbara Johannesen, Hinsdale, Illinois, Thomas P. 

Callahan, Houston, Texas, and Fran Callahan, Houston, Texas, 

to retain control of 25.27 percent of the outstanding voting 

shares of First Community Financial Corporation, Elgin, Illinois, 

and thereby indirectly acquire First Community Bank, Elgin, 

Illinois.

Fed Reg – 04/08/2004

Newspaper – 04/08/2004

3(a)(5) Independent Bank Corporation, Ionia, Michigan, to acquire 

through merger North Bancorp, Inc., Gaylord, Michigan and 

thereby indirectly acquire First National Bank of Gaylord, 

Gaylord, Michigan and immediately merge with and into IBC's 

subsidiary, Independent Bank, Bay City, Michigan.*

Fed Reg – 05/06/2004

Newspaper – N/Avail

CIC Notices by Franzen Limited Partnership, Itasca, Illinois; General 

Partner Glenn E. Mensching, Jr., Frankfort, Michigan, as trustee 

of the Glenn E. Mensching Jr. Trust; General Partner Jack E. 

Mensching, Itasca, Illinois, as trustee of the Jack E. Mensching 

Trust, and General Partner James R. Mensching, Itasca, Illinois, 

as trustee of the James R. Mensching Trust, Itasca, Illinois, to 

retain 32.88 percent of the outstanding voting shares of Itasca 

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

Itasca Bank & Trust Co., Itasca, Illinois.

Fed Reg – 04/21/2004

Newspaper – 04/25/2004

CIC Notice by Marantz Investments, L.P., Springfield, Illinois, with 

Tom E. Marantz, Springfield, Illinois, to retain 18.55 percent of 

the common shares outstanding of Spring Bancorp, 

Inc.,Springfield, Illinois, and thereby to control Bank of 

Springfield, Springfield, Illinois, and Bank of Jacksonville, 

Jacksonville, Illinois.

Fed Reg – 05/03/2004

Newspaper – 05/05/2004
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC Notice by Marantz Investment, L.P., Springfield, Illinois, Tom 

E. Marantz, Springfield, Ilinois, Natalie K. Marantz, Springfield, 

Illinois, Marla J. Marantz, Springfield, Missouri, Melissa J. 

Hayner, Springfield, Illinois, Tom E. Marantz as Trustee for the 

Marla Marantz Trust, Tom E. Marantz as Trustee for the Tom 

Marantz Trust, and Marla J. Marantz as Trustee for the Marla 

Marantz Irrevocable Trust, to retain 33.9 percent of the common 

shares outstanding of Spring Bancorp, Inc., Springfield, Illinois, 

and thereby indirectly control Bank of Springfield, Springfield, 

Illinois, and Bank of Jacksonville, Jacksonville, Illinois.

Fed Reg – 05/03/2004

Newspaper – 05/05/2004

* 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) Marshall & Ilsley Corporation, Milwaukee, Wisconsin, proposes 

to acquire, indirectly through its subsidiary, Metavante 

Corporation, certain of the assets of The Kirchman Corporation, 

Altamonte Springs, Florida, and thereby engage in data 

processing activities.

Fed Reg – N/Avail

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

Type Application

Membership Community Bank (in organization), Austin, Minnesota, to 

become a member of the Federal Reserve System.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

709143 Midwest Bank of Western Illinois

200 E. Broadway

Monmouth, Illinois 61462

(309) 734-2265

09/29/2003 04/19/2004 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, April 24, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3A3 Farmers Capital Bank Corporation, Frankfort, Kentucky, to 

acquire 100 percent of Citizens Bank (Kentucky), Inc., 

Georgetown, Kentucky. (Previously submitted during the week 

ending April 17, 2004.)*

Newspaper – 05/20/2004

Fed Reg – 05/24/2004

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, April 24, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC John Wesley Templer Sr. and Jacqueline Sue Templer, 

Amarillo, Texas, to acquire control of Western Dakota Holding 

Company, Timber Lake, South Dakota, and thereby indirectly 

acquire control of Western Dakota Bank, Timber Lake, South 

Dakota.

Newspaper – N/Avail

Fed Reg – 05/13/2004

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, April 24, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(5) Platte Valley Financial Services Companies, Inc., Scottsbluff, 

Nebraska, to acquire 100 percent of the voting shares of North 

Park Bancshares, and thereby indirectly acquire North Park State 

Bank, both of Walden, Colorado.

Newspaper – N/Avail

Fed Reg – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, April 24, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Vintage Shares, Inc., Waxahachie, TX, and Vintage Shares 

Delaware, Inc., Wilmington, DE, to acquire Vintage Bank, 

Waxahachie, TX*

Fed Reg – 05/21/2004

Newspaper – 05/15/2004

3(a)(1) Vintage Shares Delaware, Inc., Wilmington, DE, to acquire 

Vintage Bank, Waxahachie, TX*

Fed Reg – 05/21/2004

Newspaper – 05/15/2004

* 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 regula tors 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

238755 First State Bank

101 Southeast 1st Avenue

Mineral Wells, Texas 76067

01/26/2004 04/26/2004 S X

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, April 24, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Nacional Financiera, S.N.C., Mexico City, Mexico, requests 

prior approval of the Board of Governors of the Federal Reserve 

to establish a representative office in Santa Ana, California, 

pursuant to section 211.24(a)(1) of Regulation K.

Newspaper – 05/10/2004

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