H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 9 

Week Ending February 26, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions February 20, 2005 to February 26, 2005 

Bank Holding Companies 

Synovus Financial Corp., Columbus, Georgia -- to acquire Cohutta Banking 

Company of Tennessee, Chattanooga, Tennessee. 

- Approved, February 23, 2005 

Forms 

Forms -- final Board review to extend without revision the Intermittent Survey of 

Businesses (FR 1374). 

- Approved, February 22, 2005 

Regulations And Policies 

Noncash Collection Service -- withdrawal of the Federal Reserve Banks from the 

noncash collection service at the end of 2005 (Docket No. OP-1214). 

- Approved, February 24, 2005 

Regulation BB (Community Reinvestment) -- publication for comment of proposed 

interagency revisions to exempt intermediate small banks from certain reporting 

requirements, revise criteria for evaluating lending and community development 

efforts, and make certain clarifying amendments. 

- Approved, February 24, 2005 

Reports to Congress -- interagency reports on federal banking agencies' efforts to 

coordinate examinations as required by section 305 of the Riegle Community 

Development and Regulatory Improvement Act, and on capital and accounting 

differences among the agencies as required by section 37(c) of the Federal Deposit 

Insurance Act. 

- Approved, February 24, 2005 

Enforcement 

The NorCrown Trust, Livingston, New Jersey -- written agreement among David 

Bodner and Murray Huberfeld, the Federal Reserve Bank of New York, and the 

Federal Deposit Insurance Corporation. 

- Announced, February 25, 2005 

Rurban Financial Corp., Defiance, Ohio, and The State Bank and Trust Company -- 

written agreement dated July 5, 2002, terminated February 17, 2005. 

- Announced, February 23, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority February 20, 2005 to February 26, 2005 

BS&R Banking Supervision and Regulation RBOPS Reserve Bank Operations and Payment Systems 

C&CA Consumer and Community Affairs IF International Finance 

FOMC Federal Open Market Committee OSDM Office of Staff Director for Management 

Bank Branches, Domestic 

Atlanta 

Bank of St. Petersburg, Tampa, Florida -- to establish a branch at 500 4th Street 

North, St. Petersburg. 

- Approved, February 25, 2005 

Minneapolis 

Community Bank Corporation, Chaska, Minnesota -- to establish a branch at 525 

Lake Drive, Chanhassen. 

- Approved, February 22, 2005 

Chicago 

DeMotte State Bank, DeMotte, Indiana -- to establish a branch at 175 North Main 

Street, Kouts. 

- Approved, February 23, 2005 

Chicago 

Iowa State Bank, Wapello, Iowa -- to establish a branch at 1403 South Roosevelt 

Avenue, Burlington. 

- Approved, February 25, 2005 

San Francisco 

Nara Bank, Los Angeles, California -- to establish branches at 1890 West Redondo 

Beach Boulevard, Gardena, and at 209-07 and 209-09 Northern Boulevard, 

Bayside, New York. 

- Approved, February 24, 2005 

Philadelphia 

Premier Bank, Doylestown, Pennsylvania -- to establish a branch at the southeast 

corner of York and Street Roads, Warminister Township. 

- Approved, February 22, 2005 

Atlanta 

Regions Bank, Birmingham, Alabama -- to establish a branch at 4400 Post Oak 

Parkway, Houston, Texas. 

- Approved, February 22, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 6 
H.2 Actions under delegated authority February 20, 2005 to February 26, 2005 

Bank Branches, Domestic 

Richmond 

SuffolkFirst Bank, Suffolk, Virginia -- to establish a branch at out-parcel No. 4, Hill 

Shopping Center, Bennet's Creek Crossing. 

- Approved, February 25, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish branches at 3042 Nutley Street, 

Fairfax, Virginia; and 11380 Plaza Drive, Waldorf, Maryland. 

- Approved, February 25, 2005 

Bank Holding Companies 

Kansas City 

BOK Financial Corporation, Tulsa, Oklahoma -- to acquire through its subsidiary, 

BOKF Merger Corporation Number Eight, Valley Commerce Bancorp Ltd., 

Phoenix, Arizona, and Valley Commerce Bank. 

- Approved, February 25, 2005 

Cleveland 

Commodore Financial Network, Inc., Somerset, Ohio -- to become a bank holding 

company and to acquire Commodore Bank. 

- Approved, February 24, 2005 

St. Louis 

Community First Bancshares, Inc., Harrison, Arkansas -- to retain 25 percent of the 

shares of Mobius Technology Consulting, LLC, Springfield, Missouri, and thereby 

engage in data processing and management consulting activities. 

- Approved, February 23, 2005 

Atlanta 

Crescent Banking Company, Jasper, Georgia -- to acquire Futurus Financial 

Services, Inc., Alpharetta, and Futurus Bank, N.A. 

- Approved, February 25, 2005 

San Francisco 

Discovery Bancorp, San Marcos, California -- to become a bank holding company 

and to acquire Discovery Bank. 

- Approved, February 25, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 6 
H.2 Actions under delegated authority February 20, 2005 to February 26, 2005 

Bank Holding Companies 

Atlanta 

Enterprise Banking Company, Inc., Stockbridge, Georgia -- to become a bank 

holding company and to acquire Dorsey State Bank, Abbeville. 

- Approved, February 24, 2005 

Chicago 

Logan Investment Corp., Keokuk, Iowa -- to engage de novo in extending credit 

and servicing loans. 

- Approved, February 23, 2005 

Cleveland 

Oak Hill Financial, Inc., Jackson, Ohio -- to acquire Lawrence Financial Holdings, 

Inc., Ironton, and Lawrence Federal Savings Bank. 

- Approved, February 25, 2005 

Bank Mergers 

Cleveland 

Community First Bank & Trust, Celina, Ohio -- to merge with Fidelity Federal 

Savings Bank, Marion, Indiana, and thereby establish branches. 

- Approved, February 22, 2005 

Atlanta 

Regions Bank, Birmingham, Alabama -- to acquire 138 branches of Union Planters 

Bank, National Association, Memphis, Tennessee, in Alabama, Tennessee, 

Louisiana, Texas, Arkansas, and Kentucky. 

- Approved, February 25, 2005 

Change In Bank Control 

Kansas City 

Commercial State Holding Company, Inc., Republican City, Nebraska -- change in 

bank control. 

- Permitted, February 24, 2005 

Kansas City 

Equity Bancshares, Inc., Andover, Kansas -- to retain control of Equity Bancshares, 

Inc. 

- Permitted, February 25, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 6 
H.2 Actions under delegated authority February 20, 2005 to February 26, 2005 

Competitive Factors Reports 

Cleveland 

Charter One Bank, National Association, Cleveland, Ohio -- report on competitive 

factors of the proposed purchase of certain assets and assumption of certain 

liabilities of Citizens Bank of Pennsylvania, Philadelphia, Pennsylvania. 

- Submitted, February 24, 2005 

Atlanta 

Commercebank, National Association, Coral Gables, Florida -- report on 

competitive factors of the proposed merger with First Texoma Bank, Sherman, 

Texas. 

- Submitted, February 25, 2005 

Cleveland 

Commodore Bank, Somerset, Ohio -- report on competitive factors of the proposed 

merger with CB Interim Bank. 

- Submitted, February 24, 2005 

San Francisco 

Discovery Bank, San Marcos, California -- report on competitive factors of the 

proposed merger with DB Merger Company. 

- Submitted, February 23, 2005 

Boston 

Eastern Bank, Boston, Massachusetts -- report on competitive factors of the 

proposed merger with Plymouth Savings Bank, Plymouth. 

- Submitted, February 22, 2005 

Secretary 

First National Bank & Trust Company, Stuart, Florida -- report on competitive 

factors of the proposed merger with Century National Bank, Orlando. 

- Submitted, February 23, 2005 

Kansas City 

The First National Bank of Durango, Durango, Colorado -- report on competitive 

factors of the proposed merger with The Bank of Durango. 

- Submitted, February 24, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 6 
H.2 Actions under delegated authority February 20, 2005 to February 26, 2005 

Competitive Factors Reports 

Kansas City 

First Texoma National Bank, Durant, Oklahoma -- report on competitive factors of 

the proposed merger with First Texoma Bank, Sherman, Texas. 

- Submitted, February 24, 2005 

Cleveland 

KeyBank, National Association, Cleveland, Ohio -- report on competitive factors of 

the proposed merger with EverTrust Asset Management, Seattle, Washington. 

- Submitted, February 24, 2005 

Cleveland 

Mellon 1st Business Bank, National Association, Los Angeles, California -- report 

on competitive factors of the proposed merger with AP Beaumeade, Inc., 

Wilmington, Delaware. 

- Submitted, February 24, 2005 

San Francisco 

Merrick Bank Corporation, South Jordan, Utah -- report on competitive factors of 

the proposed acquisition of certain assets and assumption of certain liabilities of 

Chase Manhattan Bank USA, National Association, Newark, Delaware. 

- Submitted, February 23, 2005 

Atlanta 

UniBank, Miami, Florida -- report on competitive factors of the proposed merger 

with Ponce Interim Bank. 

- Submitted, February 22, 2005 

New York 

Union Center National Bank, Union, New Jersey -- report on competitive factors of 

the proposed merger with Red Oak Bank, Hanover Township. 

- Submitted, February 24, 2005 

Extensions Of Time 

Philadelphia 

East Penn Bank, Emmaus, Pennsylvania -- extension to May 17, 2005, to establish a 

branch at 18 South Second Street. 

- Granted, February 25, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 6 
H.2 Actions under delegated authority February 20, 2005 to February 26, 2005 

International Operations 

Director, BS&R 

J.P. Morgan Chase & Co., New York, New York -- waiver of remainder of 

notification period for J.P. Morgan International Finance Limited, Newark, 

Delaware, to make an investment in Cazenove Group plc, London, England. 

- Granted, February 22, 2005 

Regulations And Policies 

FOMC 

Federal Open Market Committee -- minutes of the meeting on February 1-2, 2005. 

- Published, February 23, 2005 

(AC) = Addition or Correction Delegated - Page 6 of 6 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, February 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) BankFive, MHC and BankFive Corporation, both of Fall River, 

Massachusetts - application to become a mutual bank holding 

company and a stock bank holding company respectively, by 

acquiring Fall River Five Cents Savings Bank, also of Fall 

River, Massachusetts

Newspaper – 02/27/2005

Fed Reg – 03/03/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, February 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Banco Latinoamericano De Exportaciones, S.A., Panama City, 

Panama, to establish a representative office in Miami, Florida.

Newspaper – N/Avail

FBSEA Banco Votorantim, Sao Paulo, Brazil, to establish a 

representative office in New York, New York.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Second Quarter of 2005

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, February 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

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, February 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

*3(a)(3) S& T Bancorp, Indiana, Pennsylvania, proposes to acquire up to 

9.9 percent of CBT Financial Corporation, Clearfield, 

Pennsylvania, and indirectly, its wholly-owned subsidiary, 

Clearfield Bank & Trust Company, Clearfield, Pennsylvania 

Newspaper – 03/24/2005

Fed Reg – N/Avail

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

18(c) *Branch

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

acquire 100 percent of Belmont Bancorp, Inc., Bridgeport, Ohio, 

and thereby indirectly acquire Belmont National Bank, 

Wheeling, West Virginia

Newspaper – N/Avail

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

3(a)(1) Notice by CB Financial Services, Inc., Carmichaels, PA of its 

intent to form a bank holding company pursuant to Section 

3(a)(5)(c) of the Bank Holding Company Act by acquiring 100% 

of the voting shares of Community Bank, National Association, 

Washington, PA
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 periodic ally. That record is taken into account in considering an institution's application 

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, February 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Notice of Change in Control filed by Mr. Hylton Wright, Betty 

Wright, Tamara Thomas, Loudene Riggs, Alease Lambert, and 

Evelyn Wright as a group to control up to 19.65% of the voting 

shares of Surrey Bancorp, Mount Airy, North Carolina.*

Fed Reg – 03/17/2005

Newspaper – N/Avail

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, February 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Coconut Grove Bank, Miami, Florida, to establish a branch 

located at 290 Alhambra Circle, Coral Gables, Florida, to be 

known as the Coral Gables Office.*

Newspaper – 02/25/2005

Branch Community Bank of West Georgia, Villa Rica, Georgia, to 

establish a branch located at 1200 Ernest Barrett Parkway, 

Kennesaw, Georgia, to be known as the Community Bank of 

West Georgia Kennesaw Branch.*

Newspaper – 03/06/2005

Branch First Georgia Community Bank, Jackson, Georgia, to establish a 

branch located at 3147 Highway 278, Covington, Georgia.*

Newspaper – 03/10/2005

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

6830 Normandy Boulevard, Jacksonville, Florida, to be known 

as the Normandy/Wal-Mart Office.*

Newspaper – 03/05/2005

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

11900 Atlantic Boulevard, Jacksonville, Florida, to be known as 

the Sandalwood/Wal-Mart Office.*

Newspaper – 03/05/2005

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

1505 County Road 220, Orange Park, Florida, to be known as 

the Orange Park/Wal-Mart Office.*

Newspaper – 03/05/2005

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

1441 Hutchinson Park Drive, Jacksonville. Florida, to be known 

as the Holly Oaks/Wal-Mart Office.*

Newspaper – 03/05/2005

*Subject to provisions of the Community Reinvestment Act
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC First Georgia Community Corporation, Jackson, Georgia, afterthe-fact change in control notice filed by William B. Jones,

Martha S. Jones Trust FBO Bryan Jones, Martha S. Jones

Trustee, Christopher Bryan Jones, Jones Family Fund

Foundation, and Jones Petroleum Company, Inc., all of Jackson, 

Georgia, to retain 11.82 percent of the outstanding shares of 

First Georgia Community Corp., and its subsidiary, First

Georgia Community Bank, both of Jackson, Georgia.

Newspaper – 03/15/2005

Fed Reg – 03/14/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, February 26, 2005

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 2001 Union Street, San Francisco, California.*

Newspaper – 03/01/2005

* 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) Capitol Bancorp, Ltd., Lansing, Michigan, to acquire 51 percent 

of the voting shares of Peoples State Bank, Jeffersonville, 

Georgia.*

Fed Reg – 02/22/2005

Newspaper – 02/27/2005

3(a)(3) & 3(a)(1) Capitol Bancorp, Ltd., Lansing, Michigan, to acquire 100 

percent of the voting shares of Capitol Development Bancorp 

Limited II, Lansing, Michigan, and thereby indirectly acquire 

Bank of Bellevue (in organization), Bellevue, Washington, and 

by Capitol Development Bancorp Limited II, Lansing, 

Michigan, to become a bank holding company by acquiring 51 

percent of the voting shares of Bank of Bellevue (in 

organization), Bellevue, Washington.*

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notice by Michael J. Rivers, Winona, Minnesota, to acquire 

approximately 22.07 percent of the voting shares of Central 

Wisconsin Financial Services, Inc., Wausau, Wisconsin, and 

thereby indirectly acquire Bank of Wausau, Wausau, Wisconsin.

Fed Reg – 02/22/2005

Newspaper – N/Avail

3(a)(3) Community State Bank Employee Stock Ownership Plan and 

Trust, Union Grove, Wisconsin, to increase its ownership of up 

to 33.24 percent of the voting shares of Union Bancorporation, 

Union Grove, Wisconsin, and thereby indirectly acquire 

Community State Bank, Union Grove, Wisconsin.*

Fed Reg – 03/28/2005

Newspaper – N/Avail

3(a)(3) Great River Financial Group, Inc., Burlington, Iowa, to acquire 

100 percent of Two Rivers Bank and Trust (in organization), 

Johnston, Iowa.*

Fed Reg – 03/28/2005

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

Type Application

Ending date of

comment period

3(a)(1) Independent Alliance Banks, Inc., Fort Wayne, Indiana, to 

become a bank holding company by acquiring 100 percent of the 

voting shares of Grabill Bancorp, Grabill, Indiana, and thereby 

indirectly acquire Grabill Bank, Grabill, Indiana, and Marbanc 

Financial Corporation, Markle, Indiana, and thereby indirectly 

acquire MarkleBank, Markle, Indiana.*

Fed Reg – 03/24/2005

Newspaper – N/Avail

3(a)(3) Prairieland Bancorp Employee Stock Ownership Plan and Trust, 

Bushnell, Illinois, to increase its ownership from 44.97 percent 

to 49.69 percent of Prairieland Bancorp, Inc., Bushnell, Illinois, 

and thereby indirectly acquire Farmers and Merchants State 

Bank of Bushnell, Bushnell, Illinois.*

Fed Reg – 03/28/2005

Newspaper – 03/14/2005

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

3(a)(1) Notice United Commerce Bancorp, Bloomington, Indiana, to become a 

bank holding company by acquiring 100 percent of the voting 

shares of United Commerce Bank, Bloomington, Indiana.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, February 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Progress Bank of Missouri, Sullivan, Missouri, to establish a 

branch facility to be located at 1022 North State Highway 27, 

Warrenton, Missouri.*

Newspaper – 03/10/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Other SMB 

Filings 

First Security Bank, Conway, Arkansas, to retain its $1.5 million 

investment in Heartland Renaissance Fund Sub I, LLC, Conway, 

Arkansas, and thereby engage in community development 

activities. This investment represents 30 percent of the total 

membership interests.
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, February 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Notice by William E. Blomster, Keri Hilgendorf and Lance 

Blomster all of Fairmont, Minnesota acting in concert to gain 

control of B & M Bancshares, Inc., Fairmont, Minnesota and 

thereby indirectly gain control of State Bank of Fairmont, 

Fairmont, Minnesota.

Fed Reg – 02/16/2005

Newspaper – N/Avail

3(a)(1) Bozeman Bancorp, Inc., Manhattan, Montana, to become a bank 

holding company by acquiring 100 percent of the voting shares 

of Bank of Bozeman, Bozeman, Montana.*

Fed Reg – 03/14/2005

Newspaper – N/Avail

3(a)(1) Freedom Bancorporation, Columbia Falls, Montana, to become 

a bank holding company by acquiring 100 percent of Freedom 

Bank, Columbia Falls, Montana, a de novo bank.*

Fed Reg – 03/18/2005

Newspaper – 03/21/2005

3(a)(3) Security State Bank Holding Company, Jamestown, North 

Dakota, to acquire 100 percent of CNB, Inc., Walker, Minnesota 

and thereby indirectly acquire Centennial National Bank, 

Walker, Minnesota.*

Fed Reg – N/Avail

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, February 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Republic Bancorp, Inc., Munden, Kansas, to become a bank 

holding company through the acquisition of 99.72 percent of the 

voting shares of National Family Bank, Munden, Kansas.

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(3) Sundance State Bank Profit Sharing and Employee Stock 

Ownership Plan and Trust, Sundance, Wyoming, to increase its 

ownership from 25.65 percent to 26.06 percent of the voting 

shares of Sundance Bankshares, Inc., parent of Sundance State 

Bank, both in Sundance, Wyoming.

Newspaper – 03/19/2005

Fed Reg – 03/25/2005

CIC Notification by Bill D. Inhofe, Muskogee, Oklahoma, to acquire 

control of Boynton Holding Company, parent of Territory Bank, 

both in Muskogee, Oklahoma.

Newspaper – N/Avail

Fed Reg – 02/22/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

283054 Heritage Bank

1020 Century Drive

Louisville, Colorado 87571-5923

11/29/2004 02/24/2005 S X

Section VI – CRA examinations scheduled for 2

nd Quarter of 2005

Institution Location

Community Banks of Colorado Greenwood Village, Colorado

Citizens State Bank Miltonvale, Kansas

Community Bank and Trust Company Neosho, Missouri

Community Bank of Raymore Raymore, Missouri

Platte Valley State Bank and Trust Company Kearney, Nebraska

First Westroads Bank Omaha, Nebraska
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, February 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, February 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Oak Valley Community Bank, Oakdale, California, to establish 

a branch facility to be located at 20 Plaza, Patterson, California.*

Newspaper – 03/03/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

2651675 Auburn Community Bank

412 Auburn Folsom Road

Auburn, California 95603

11/08/2004 02/25/2005 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None