Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 29 

Week Ending July 21, 2001 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions July 15, 2001 to July 21, 2001 

Bank Holding Companies 

Citigroup Inc. and Citicorp, New York, New York; and Citigroup Holdings Company, 

Wilmington, Delaware -- to acquire Grupo Financiero Banamex-Accival, S.A. de C.V., 

Mexico City, Mexico, and Banco Nacional de Mexico, S.A. and thereby acquire 

Banamex USA Bancorp, Los Angeles, California, and California Commerce Bank. 

- Approved, July 16, 2001 

Extensions Of Time 

Eggemeyer Advisory Corporation, Rancho Santa Fe, California; Castle Creek Partners 

Fund I, LP; Castle Creek Capital Partners Fund IIa, LP; Castle Creek Capital Partners 

Fund IIb, LP; Castle Creek Capital LLC; and WJR Corporation -- extension to January 

15, 2002, to divest of an impermissible investment. 

- Granted, July 20, 2001 

Regulations And Policies 

Commodity Futures Trading Commission -- response to the CFTC concerning its annual 

report on the exercise of authority over margins on stock index futures contracts; and 

proposed new reporting procedures. 

- Approved, July 20, 2001 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority July 15, 2001 to July 21, 2001 

BS&R 

C&CA 

FOMC 

Banking Supervision and Regulatio 

Consumer and Community Affai 

Federal Open Market Committ 

RBOPS 

IF 

OSDM 

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Managemen

Bank Branches, Domestic 

Cleveland 

Chippewa Valley Bank, Rittman, Ohio -- to establish a branch at the intersection of State 

Route 3 and Greenwich Road, Seville. 

- Approved, July 13, 2001 (AC) 

New York 

HSBC Bank USA, Buffalo, New York, New York -- to establish a drive-in facility at 

4406 West Genesee Street, Syracuse. 

- Approved, July 20, 2001 

Kansas City 

Pioneer Bank and Trust, Ponca City, Oklahoma -- to establish a branch at 2701 North 

14th Street. 

- Approved, July 16, 2001 

Cleveland 

Sky Bank, Salineville, Ohio -- to establish a branch at 6505 Market Avenue, North 

Canton. 

- Approved, July 19, 2001 

Bank Holding Companies 

Atlanta 

The 2000 Williams Investment Company, LLC, Atlanta, Georgia -- to become a bank 

holding company through the acquisition of FNB Newton Bankshares, Inc., Covington; 

and for Trust B Created Under Item V of the Last Will and Testament of James R. 

Williams, Atlanta, to become a bank holding company through the acquisition of FNB 

Newton Bankshares, Inc. 

- Withdrawn, July 20, 2001 

San Francisco 

BAC Financial, Inc., Stockton, California -- to become a bank holding company through 

the acquisition of Bank of Agriculture and Commerce. 

- Approved, July 20, 2001 

(AC) = Addition or Correction Delegated - Page 1 of 6 
H.2 Actions under delegated authority July 15, 2001 to July 21, 2001 

Bank Holding Companies 

Minneapolis 

Farmers State Corporation, Mankato, Minnesota -- to acquire Owatonna Bancshares, 

Inc., Owatonna. 

- Approved, July 18, 2001 

Secretary 

First Union Corporation, Charlotte, North Carolina -- commenter's request to extend the 

comment period on the proposed acquisition of Wachovia Corporation, Winston-Salem. 

- Denied, July 18, 2001 

Atlanta 

Kensington Bankshares, Inc., Spring Hill, Florida -- to become a bank holding company 

through the acquisition of First Kensington Bank. 

- Withdrawn, July 20, 2001 

Kansas City 

Landmark Merger Company, Manhattan, Kansas -- to acquire MNB Bancshares, Inc., 

Manhattan; Landmark Bancshares, Inc., Dodge City; and its subsidiary, Landmark 

Federal Savings Bank. 

- Withdrawn, July 17, 2001 

Secretary 

Northern Trust Corporation, Chicago, Illinois, and Northern Trust Global Advisors, Inc., 

Stamford, Connecticut -- to provide investment advisory services to private equity funds 

that invest solely in investments permissible for bank holding companies. 

- Approved, July 16, 2001 

Chicago 

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

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

Company to become a member of the Federal Reserve System; and for Cedar Rapids 

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

Trust Company, Bettendorf. 

- Withdrawn, July 16, 2001 

(AC) = Addition or Correction Delegated - Page 2 of 6 
H.2 Actions under delegated authority July 15, 2001 to July 21, 2001 

Bank Holding Companies 

St. Louis 

Russellville Bancshares, Inc., Jonesboro, Arkansas -- to become a bank holding 

company by acquiring all the voting shares of First Arkansas Valley Bank, Russellville; 

and for Home Bancshares, Inc., Conway, and North Little Rock Bancshares, Inc., North 

Little Rock, to acquire more than 5 percent of the voting shares of Russellville Bancshares. 

- Approved, July 20, 2001 

Secretary 

SunTrust Banks, Inc., Atlanta, Georgia -- commenter's request to extend the comment 

period on the proposed acquisition of Wachovia Corporation, Winston-Salem, North 

Carolina. 

- Denied, July 20, 2001 

Bank Mergers 

Kansas City 

Bank of Blue Valley, Overland Park, Kansas -- to purchase certain assets and assume 

liabilities of the branch of Citizens Bank, N.A., Fort Scott, at 1235 Santa Fe Road, 

Olathe, and establish a branch. 

- Approved, July 17, 2001 

Chicago 

Comerica Bank-California, San Jose, California -- to merge with Imperial Bank, 

Inglewood, and thereby establish branches. 

- Approved, July 18, 2001 

Bank Premises 

Richmond 

The Bank of Monroe, Union, West Virginia -- to invest in bank premises. 

- Approved, July 18, 2001 

Banks, Nonmember, And Miscellaneous Institutions 

Kansas City 

United International Properties, Inc., Denver, Colorado -- registration under Regulation U. 

- Approved, July 19, 2001 

(AC) = Addition or Correction Delegated - Page 3 of 6 
H.2 Actions under delegated authority July 15, 2001 to July 21, 2001 

Banks, State Member 

Secretary 

Centura Bank, Rocky Mount, North Carolina -- to purchase certain assets and assume 

certain liabilities of Security First Network Bank, Atlanta, Georgia, a federal savings bank. 

- Approved, July 20, 2001 

Atlanta 

Horizon Bank, Bradenton, Florida -- to purchase certain assets and assume certain 

liabilities of the Bradenton branches of BankAtlantic, a Federal Savings Bank, Fort 

Lauderdale. 

- Approved, July 10, 2001 (AC) 

Change In Bank Control 

Dallas 

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

- Permitted, July 20, 2001 

Competitive Factors Reports 

San Francisco 

Bank of American Fork, American Fork, Utah -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of Morgan Stanley Dean Witter 

Bank, Inc., Sandy. 

- Submitted, July 20, 2001 

San Francisco 

Banner Bank of Oregon, Hermiston, Oregon -- report on competitive factors of the 

proposed merger with Banner Bank, Walla Walla, Washington. 

- Submitted, July 20, 2001 

St. Louis 

Capaha Bank, SB, Tamms, Illinois -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of the Anna, Illinois, branch of Union 

Planters Bank, National Association, Memphis, Tennessee. 

- Submitted, July 18, 2001 

(AC) = Addition or Correction Delegated - Page 4 of 6 
H.2 Actions under delegated authority July 15, 2001 to July 21, 2001 

Competitive Factors Reports 

Chicago 

Comerica Bank, Detroit, Michigan -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of Comerica Bank-Canada, Toronto, 

Canada. 

- Submitted, July 18, 2001 

St. Louis 

First Commercial Bank of Southeast Missouri, Chaffee, Missouri -- report on competitive 

factors of the proposed purchase of assets and assumption of liabilities of the Advance, 

Missouri, branch of Union Planters Bank, National Association, Memphis, Tennessee. 

- Submitted, July 16, 2001 

Dallas 

The Hondo National Bank, Hondo, Texas -- report on competitive factors of the 

proposed merger with The Hondo National Interim Bank. 

- Submitted, July 20, 2001 

Kansas City 

Lancaster County Bank, Waverly, Nebraska -- report on competitive factors of the 

proposed merger with Union Bank and Trust Company, Lincoln. 

- Submitted, July 20, 2001 

Atlanta 

Macon Bank and Trust Company, Lafayette, Tennessee -- report on competitive factors 

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

Celina branch of Union Planters Bank, National Association, Memphis. 

- Submitted, July 18, 2001 

Kansas City 

South Central State Bank, Campbell, Nebraska -- report on competitive factors of the 

proposed merger with the Oxford branch of Union Bank and Trust Company, Lincoln. 

- Submitted, July 20, 2001 

San Francisco 

Valley Oaks National Bank, Solvang, California -- report on competitive factors of the 

proposed merger with Montecito Bank & Trust, Santa Barbara. 

- Submitted, July 20, 2001 

(AC) = Addition or Correction Delegated - Page 5 of 6 
H.2 Actions under delegated authority July 15, 2001 to July 21, 2001 

Extensions Of Time 

Richmond 

Allfirst Financial Inc., Baltimore, Maryland -- extension to July 15, 2002, to divest of an 

impermissible investment. 

- Granted, July 18, 2001 

Richmond 

Gateway Financial Corporation, Elizabeth City, North Carolina -- extension to October 

29, 2001, to become a bank holding company through the acquisition of Gateway Bank 

& Trust Co. 

- Granted, July 17, 2001 

Financial Holding Companies 

Secretary 

Old National Bancorp, Evansville, Indiana -- election to become a financial holding 

company. 

- Effective, July 20, 2001 

Chicago 

Republic Bancorp Co., Orland Park, Illinois -- election to become a financial holding 

company. 

- Effective, July 20, 2001 

Membership 

St. Louis 

Warren Bank and Trust Company, Warren, Arkansas -- to become a member of the 

Federal Reserve System. 

- Approved, July 20, 2001 

(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, July 21, 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 

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, July 21, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Representative China Merchants Bank, Shenzhen, People’s Republic of China, 

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

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 Coventry Commons, 1320 

Stony Brook Road, Stony Brook, New York.* 

Newspaper – N/Avail 

Newspaper – N/Avail 

Newspaper – N/Avail 

Newspaper – 08/02/2001 

* 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)/3(a)(3) North Fork Bancorporation, Inc. and its wholly-owned Newspaper – N/Avail 

subsidiary, North Fork Bank, both of Melville, New York, to Fed Reg – 07/30/2001 

acquire Commercial Bank of New York, New York, New 

York.* 

* 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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, July 21, 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 

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, July 21, 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 

WAIVER Received waiver request from Whitaker Bank Corporation, 

Lexington, KY on 07/16/2001 for permission to waive filing an 

application pursuant to Section 3 of the Bank Hoding Company 

Act with respect to its acquisition of Citizens National Bank & 

Trust of Hazard, Hazard, KY through a merger with and into 

Whitaker Bank, National Association, Lexington, KY 
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. 

The federal bank regulators use the following four 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, July 21, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Albemarle First Bank, Charlottesville, Virginia, to establish 

a branch at 100 5th Street, SE, Charlottesville, Virginia.* 

Newspaper - 08/01/2001 

Branch First Virginia Bank-Hampton Roads, Norfolk, Virginia, to Newspaper - 08/10/2001 

to establish a branch at 955 Harpersville Road, Newport News, 

Virginia.* 

18(c) First Virginia Bank, Falls Church, Virginia, to merge with 

State Bank, Remington, Virginia.* 

Newspaper - 08/13/2001 

*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 

834531 F&M Bank - West Virginia, Inc. 04/23/2001 07/21/2001 S X 

301 South Mildred Street 

Ranson, West Virginia 25438 

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, July 21, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Admiralty Bank, Palm Beach Gardens, Florida, to establish a 

branch located at 300 West Broward Boulevard, Fort 

Lauderdale, Florida. 

18(c) Colonial Bank, Montgomery, Alabama, to acquire certain assets 

and assume certain liabilities of thirteen branches of Union 

Planters Bank, N.A., Memphis, Tennessee. The branches are at 

the following locations: 408 Southeast Main Street, Wetumpka, 

Alabama; 716 Highway 231 North, Wetumpka, Alabama; 10000 

Holtville Road, Deatsville, Alabama; 3390 Alabama Highway 

14, Millbrook, Alabama; 9101 Bonita Beach Road, Bonita 

Springs, Florida; 7379 East Davis Boulevard, Naples, Florida; 

6213 State Road 54, New Port Richey, Florida; 9431 U.S. 

Highway 19, Port Richey, Florida; 2440 Sunset Point Road, 

Clearwater, Florida; 35098 U.S. 19 North, Palm Harbor, Florida; 

5580 Cortez Road West, Bradenton, Florida; 3957 Cattleman 

Road, Sarasota, Florida; and 11125 Park Boulevard, Seminole, 

Florida. 

07/28/2001* 

08/17/2001* 

*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) Regions Financial Corporation, Birmingham, Alabama, to merge Fed Reg – 08/17/2001* 

with Park Meridian Financial Corporation, and thereby directly 

acquire Park Meridian Bank, Charlotte, North Carolina. 

*Subject to 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 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, July 21, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) & 1st Source Bank, South Bend, Indiana, for prior approval to Newspaper – 7/09/2001 

Branches acquire the LaPorte and Michigan City, Indiana, branch offices 

of Citizens Financial Services, FSB, Munster, Indiana and 

thereby to establish two branch offices at 714 Lincolnway, 

LaPorte, Indiana; and 4005 Franklin Street, Michigan City, 

Indiana.* 

* 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) American Community Financial, Inc., Woodstock, Illinois, for 

prior approval to become a bank holding company through the 

acquisition of 100 percent of the voting stock of American 

Community Bank & Trust, Woodstock, Illinois.* 

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.* 

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.* 

4(c)(8) Hasten Bancshares, Indianapolis, Indiana, for prior approval to 

acquire 100 percent of the outstanding common stock of 

Harrington Financial Group, Inc., Overland Park, Kansas, and 

thereby indirectly acquire Harrington Bank, FSB, Richmond, 

Indiana and to acquire 19.9 percent of the outstanding common 

stock of Harrington Financial Group, Inc., Overland Park, 

Kansas, and thereby indirectly acquire Harrington Bank, FSB, 

Richmond, Indiana.* 

Fed Reg – 7/30/2001 

Newspaper – 7/22/2001 

Fed Reg – 8/17/2001 

Newspaper – N/Avail 

Fed Reg – 8/10/2001 

Newspaper – N/Avail 

Fed Reg – 8/01/2001 

Newspaper – 7/31/2001 
Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

CC 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.* 

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)(1) Speer Bancshares, Inc., Speer, Illinois, for prior approval to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of State Bank of Speer, Speer, 

Illinois.* 

Fed Reg – 7/24/2001 

Newspaper – N/Avail 

Fed Reg – 8/10/2001 

Newspaper – N/Avail 

Fed Reg – 7/30/2001 

Newspaper – N/Avail 

Fed Reg – 7/20/2001 

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) Chemical Financial Corporation, Midland, Michigan, for prior 

approval 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. 

4(c)(8) MB-MidCity, Inc., Chicago, Illinois, for prior approval to 

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. 

Fed Reg – 8/17/2001 

Fed Reg – 8/10/2001 
Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4(c)(8) Northern Trust Corporation, Chicago, Illinois, for prior approval Fed Reg – 7/26/2001 

to engage indirectly through Northern Trust Global Advisors, 

Inc., Stamford, Connecticut, in the nonbanking activity of 

serving as investment advisor and in the nonbanking activities of 

commodity pool operator and commodity trading advisor. 

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 

428547 Hinsbrook Bank & Trust 3/19/2001 7/16/2001 S X 

6262 S. Route 83 

Willowbrook, Illinois 60514-2985 

(630) 920-2700 
Section V – Availability of CRA public evaluations 

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

74140 Isabella Bank & Trust 

200 E. Broadway 

Mount Pleasant, Michigan 48858 

(517) 772-9471 

412135 Cole Taylor Bank 

850 W. Jackson Blvd. 

Chicago, Illinois 60607 

(312) 738-2000 

2/05/2001 7/20/2001 S X 

11/06/2000 7/17/2001 O 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, July 21, 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 

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 

1007145 Bay Hermann Berger Bank, Hermann, 4/2/2001 7/19/2001 S X 

Missouri 

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, July 21, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Dakota Western Bank, Bowman, North Dakota, to establish a 07/28/2001 

branch at 13 North Main Street, Bowman, North Dakota.* 

*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) Douglas County Bancshares, Inc., Alexandria, Minnesota, Fed. Reg. – 08/03/2001 

proposes to become a bank holding company through the Newspaper – 08/05/2001 

acquisition of 100% of the voting shares of Neighborhood 

National Bank, Alexandria, Minnesota, a de novo bank.* 

*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, July 21, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch 1st Financial Bank, Overland Park, Kansas, for prior approval to 

establish a de novo branch at 9892 Rosemont Avenue, Lone 

Tree, Colorado. 

Newspaper – 08/06/2001 

18(c) 1st Financial Bank, Overland Park, Kansas, for prior approval to 

merge with the Rio Grande County Bank, Del Norte, Colorado, 

and incident thereto, establish branches in Del Norte, Monte 

Vista, Center, South Fork, and Creede, all cities of Colorado. 

Newspaper – 08/06/2001 

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 

321255 First American Bank 12/31/2000 07/18/2001 S X 

Main & High School 

Stonewall, Oklahoma 74871 

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, July 21, 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 

CIC Antonio R. Sanchez, Jr., Laredo, TX, only notificant, Fed Reg – 08/08/2001 

to acquire an interest in Newspaper – N/Avail 

International Bancshares Corp., Laredo, TX 

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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, July 21, 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 

3(a)5(C) Columbia Trust Bancorp to become a bank holding company by 

acquiring 100 percent of Columbia Trust Bank, both of Pasco, 

Washington. 

Waiver Montecito Bank & Trust, Santa Barbara, California, requests a 

waiver of any Bank Holding Company Act application 

requirement in connection with their proposed merger with 

Valley Oaks National Bank, Solvang, California. 
Section V – Availability of CRA public evaluations 

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

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

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

revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD 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