Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 26 

Week Ending June 29, 2002 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions June 23, 2002 to June 29, 2002 

Bank Holding Companies 

Royal Bank of Canada, Montreal, Canada; RBC Centura Banks, Rocky Mount, North 

Carolina; and RBC Centura Bank -- to acquire Eagle Bancshares, Inc., Tucker, Georgia, 

and its subsidiary thrift, Tucker Federal Bank; and for RBC Centura Bank to merge with 

Tucker Federal Bank and thereby establish branches. 

- Approved, June 24, 2002 

Forms 

Forms -- extension without revision of the mandatory Recordkeeping Requirements 

Associated with the Real Estate Lending Standards Regulation for State Member Banks 

(Reg H-5). 

- Approved, June 26, 2002 

Regulations And Policies 

Host State Lending Ratios -- interagency release of the host state loan-to-deposit ratios 

used by the banking agencies to determine compliance with the Riegle-Neal Interstate 

Banking and Branching Efficiency Act. 

- Published, June 24, 2002 

System of Records -- publication for comment of a new system of records under the 

Privacy Act [Docket No. R-1125], and final amendment to the Board's Rules Regarding 

Access to Personal Information under the Privacy Act in connection with the new system 

[Docket No. R-1126]. 

- Approved, June 27, 2002 

Enforcement 

Madison Bank, Blue Bell, Pennsylvania -- written agreement, dated June 20, 2002, with 

the Federal Reserve Bank of Philadelphia. 

- Announced, June 28, 2002 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority June 23, 2002 to June 29, 2002 

BS&R 

C&CA 

FOMC 

Banking Supervision and Regulation 

Consumer and Community Affairs 

Federal Open Market Committee 

RBOPS 

IF 

OSDM 

Reserve Bank Operations and Payment Systems
 

International Finance
 

Office of Staff Director for Management
 

Bank Branches, Domestic 

New York 

Banco Popular North America, New York, New York -- to establish a branch at 5504 

Bergenline Avenue, West New York, New Jersey. 

- Approved, June 25, 2002 

Richmond 

Barbour County Bank, Philippi, West Virginia -- to establish a branch at 1105 

Buckhannon Pike, Clarksburg. 

- Approved, June 26, 2002 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 850 North 

Milwaukee Avenue, Vernon Hills, Illinois. 

- Approved, June 26, 2002 

New York 

HSBC Bank USA, Buffalo, New York -- to establish a branch at 101 North Federal 

Highway, at the northwest corner of U.S. Highway 1 and Boca Raton Road, Boca 

Raton, Florida. 

- Approved, June 27, 2002 

New York 

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a de novo 

branch at 218 Saw Mill River Road, White Plains. 

- Approved, June 28, 2002 

Chicago 

Northside Community Bank, Gurnee, Illinois -- to establish a branch at 8060 Oakton 

Street, Niles. 

- Withdrawn, June 28, 2002 

(AC) = Addition or Correction Delegated - Page 1 of 8 
H.2 Actions under delegated authority June 23, 2002 to June 29, 2002 

Bank Branches, Domestic 

Secretary 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 16520 North Nebraska 

Avenue, Lutz, Florida. 

- Approved, June 24, 2002 

Secretary 

SunTrust Bank, Atlanta, Georgia -- to establish branches at 1601 Maryland Avenue, 

N.E., Washington, D.C.; 6235 Oxon Hill Road, Oxon Hill, Maryland; and 14939 Shady 

Grove Road, Rockville. 

- Approved, June 25, 2002 

Bank Holding Companies 

St. Louis 

Bancorp IV, Inc., Olathe, Kansas -- to become a bank holding company through the 

acquisition of Bank of Montgomery County, Wellsville, Missouri. 

- Withdrawn, June 25, 2002 

Secretary 

Capital Corp of the West, Merced, California -- to acquire Regency Investment 

Advisors, Inc., Fresno, and thereby engage in financial and investment advisory activities. 

- Approved, June 27, 2002 

Atlanta 

Community First, Inc., Columbia, Tennessee -- to become a bank holding company 

through the acquisition of Community First Bank & Trust. 

- Approved, June 26, 2002 

Kansas City 

Denison Capital Enhancement Trust, Omaha, Nebraska -- to become a bank holding 

company through the acquisition of KBJ Enterprises, Inc., parent of Sibley State Bank, 

Sibley, Iowa; and for Sibley Capital Enhancement Trust, Omaha, to become a bank 

holding company through the acquisition of The Viking Corporation. 

- Approved, June 27, 2002 

(AC) = Addition or Correction Delegated - Page 2 of 8 
H.2 Actions under delegated authority June 23, 2002 to June 29, 2002 

Bank Holding Companies 

San Francisco 

First Coastal Bancshares, El Segundo, California -- temporary relief from a commitment 

in connection with the acquisition of First Coastal Bank, N.A. 

- Withdrawn, June 26, 2002 

St. Louis 

First Southern Bancshares, Inc., Carbondale, Illinois -- to become a bank holding 

company through the acquisition of Shawnee Bancshares, Inc., Grand Tower, and 

thereby indirectly acquire its subsidiary bank, Shawnee State Bank. 

- Approved, June 24, 2002 

Atlanta 

Gwinnett Commercial Group, Inc., Lawrenceville, Georgia -- to merge with Embry 

Bankshares, Inc. and thereby acquire Embry Bank. 

- Approved, June 28, 2002 

Richmond 

High Country Financial Corporation, Boone, North Carolina -- to become a bank holding 

company through the acquisition of High Country Bank. 

- Approved, June 25, 2002 

Minneapolis 

Pipestone County Bancorp, Jasper, Minnesota -- to become a bank holding company 

through the acquisition of Jasper State Bank. 

- Approved, June 26, 2002 

Secretary 

Royal Bank of Canada, Montreal, Canada, and RBC Centura Banks, Inc., Rocky 

Mount, North Carolina -- commenter's request to extend the comment period on the 

application to acquire Eagle Bancshares, Tucker, Georgia, and related applications. 

- Denied, June 25, 2002 

Atlanta 

Southwest Florida Community Bancorp, Inc., Fort Myers, Florida -- to acquire shares of 

Sanibel Captiva Community Bank, Sanibel, a de novo bank. 

- Withdrawn, June 25, 2002 

(AC) = Addition or Correction Delegated - Page 3 of 8 
H.2 Actions under delegated authority June 23, 2002 to June 29, 2002 

Bank Holding Companies 

Minneapolis 

State Bank of Hawley Employee Stock Ownership Plan & Trust, Hawley, Minnesota --

to acquire shares of Bankshares of Hawley, Inc. and thereby indirectly acquire State 

Bank of Hawley. 

- Approved, June 26, 2002 

Philadelphia 

Sterling Bank Holdings, Inc., Mount Laurel, New Jersey -- to become a bank holding 

company through the acquisition of Sterling Bank. 

- Approved, June 24, 2002 

Banks, State Member 

San Francisco 

Bank of Hawaii, Honolulu, Hawaii -- to make a community development investment in the 

Hawaii Community Loan Fund. 

- Approved, June 28, 2002 

San Francisco 

Farmers and Merchants Bank of Central California, Lodi, California -- extension to 

August 6, 2002, to establish a branch at 205 Lincoln Center, Stockton. 

- Granted, June 26, 2002 

Kansas City 

First State Bank of Taos, Taos, New Mexico -- to purchase certain assets and assume 

certain liabilities of the Belen branch of State National Bank, El Paso, Texas. 

- Approved, June 27, 2002 

Change In Bank Control 

Chicago 

JEMS, Inc., Lake View, Iowa -- change in bank control. 

- Permitted, June 26, 2002 

Kansas City 

K.B.J. Enterprises, Inc., Omaha, Nebraska -- change in bank control. 

- Permitted, June 27, 2002 

(AC) = Addition or Correction Delegated - Page 4 of 8 
H.2 Actions under delegated authority June 23, 2002 to June 29, 2002 

Change In Bank Control 

St. Louis 

New Independent Bancshares, Inc., New Washington, Indiana -- change in bank control. 

- Permitted, June 25, 2002 

Competitive Factors Reports 

Kansas City 

Bank Midwest, National Association, Kansas City, Missouri -- report on competitive 

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

the Leavenworth branch of Armed Forces Bank, National Association, Fort 

Leavenworth, Kansas. 

- Submitted, June 28, 2002 

San Francisco 

Central California Bank, Sonora, California -- report on competitive factors of the 

proposed acquisition of four branches of Western Sierra National Bank, Cameron Park, 

as a result of a corporate reorganization. 

- Submitted, June 25, 2002 

Philadelphia 

Citizens Bank of Pennsylvania, Philadelphia, Pennsylvania -- report on competitive factors 

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

branch of Mellon Bank, N.A., Pittsburgh, at Route 611 and Street Road, Warrington. 

- Submitted, June 28, 2002 

Philadelphia 

Colonial Interim Savings Bank I and Colonial Interim Savings Bank II, Bridgeton, New 

Jersey -- report on competitive factors of the proposed merger with Colonial Bank, 

Federal Savings Bank. 

- Submitted, June 28, 2002 

San Francisco 

Guaranty Bank, Dallas, Texas -- report on competitive factors of the proposed 

acquisition of the Fremont, Fresno, Redwood, Sacramento, San Jose, Stockton, and 

Walnut Creek branches of Western Financial Bank, Irvine, all in California. 

- Submitted, June 24, 2002 

(AC) = Addition or Correction Delegated - Page 5 of 8 
H.2 Actions under delegated authority June 23, 2002 to June 29, 2002 

Competitive Factors Reports 

Cleveland 

Peoples Bank, National Association, Marietta, Ohio -- report on competitive factors of 

the proposed purchase of the Malta branch of Century National Bank, Zanesville. 

- Submitted, June 24, 2002 

New York 

The Provident Bank, Jersey City, New Jersey -- report on competitive factors of the 

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

Brick branches of Pamrapo Savings Bank, SLA, Bayonne. 

- Submitted, June 24, 2002 

San Francisco 

Rancho Santa Fe National Bank, Rancho Santa Fe, California -- report on competitive 

factors of the proposed merger with First National Bank, San Diego. 

- Submitted, June 28, 2002 

Philadelphia 

Royal Bank of Pennsylvania, Narberth, Pennsylvania -- report on competitive factors of 

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

Washington Township branch of The Bank, Deptford Township, New Jersey. 

- Submitted, June 24, 2002 

Minneapolis 

Viking Bank, Hendrum, Minnesota -- report on competitive factors of the proposed 

merger with Northwestern Bank, National Association, Dilworth. 

- Submitted, June 28, 2002 

Extensions Of Time 

Director, BS&R 

Charter One Financial, Inc., Cleveland, Ohio -- extension to November 30, 2002, to 

divest certain real estate. 

- Granted, June 25, 2002 

(AC) = Addition or Correction Delegated - Page 6 of 8 
H.2 Actions under delegated authority June 23, 2002 to June 29, 2002 

Extensions Of Time 

Richmond 

First Virginia Bank-Hampton Roads, Norfolk, Virginia -- extension to February 15, 

2003, to establish a branch at 955 Harpersville Road, Newport News. 

- Granted, June 25, 2002 

Director, BS&R 

HSBC Holdings plc, London, England -- extension to December 31, 2002, to conform 

the activities of branches of HSBC Bank Canada, Vancouver, Canada, in Portland, 

Oregon, and Seattle, Washington, to those permissible for an Edge corporation. 

- Granted, June 26, 2002 

Chicago 

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to October 12, 2003, 

to establish a branch at 2511 London Road, Duluth, Minnesota. 

- Granted, June 26, 2002 

Dallas 

Texas Capital Bank, National Association, Dallas, Texas -- extension to June 29, 2003, 

to establish a branch in the Cayman Islands. 

- Granted, June 28, 2002 

Financial Holding Companies 

Dallas 

Citizens Bankshares of Springhill, Inc., Springhill, Louisiana -- election to become a 

financial holding company. 

- Effective, June 26, 2002 

Chicago 

FBOP Corporation, Oak Park, Illinois -- election to become a financial holding company. 

- Effective, June 25, 2002 

Membership 

Richmond 

Old Line Bank, Waldorf, Maryland -- to become a member of the Federal Reserve 

System on the conversion of Old Line National Bank to a state charter. 

- Approved, June 27, 2002 

(AC) = Addition or Correction Delegated - Page 7 of 8 
H.2 Actions under delegated authority June 23, 2002 to June 29, 2002 

Membership 

New York 

Sleepy Hollow National Bank, Sleepy Hollow, New York -- to become a member of the 

Federal Reserve System. 

- Approved, June 28, 2002 

Regulations And Policies 

FOMC
 

Federal Open Market Committee -- minutes of the meeting on May 7, 2002. 

- Published, June 27, 2002 

(AC) = Addition or Correction Delegated - Page 8 of 8 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, June 29, 2002 

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 Mystic Financial, Inc., Employee Stock Ownership Plan & 

Trust, Medford, Massachusetts - notification to acquire up to 

24.9% of Mystic Financial, Inc., Medford, Massachusetts 

3(a)(1) Randolph Bancorp, Stoughton, Massachusetts - application to 

form a mutual bank holding company through the acquisition of 

Randolph Savings Bank, Randolph, Massachusetts 

CIC Port Financial Corporation, Employee Stock Ownership Plan 

Trust, Brighton, Massachusetts – notification pursuant to the 

Change in Bank Control Act of 1978 to acquire up to 24.9 % of 

Port Financial Corp., Brighton, Massachusetts 

Newspaper –07/17/2002 

Fed Reg – 07/16/2002 

Newspaper - 07/19/2002 

Fed Reg – 07/25/2002 

Newspaper - 07/17/2002 

Fed Reg – 07/16/2002 

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 instit ution'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, June 29, 2002 

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 Third Quarter of 2002 

Institution Location 

None 
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, June 29, 2002 

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, June 29, 2002 

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 

4c8 Notification by FNB, Inc., Dennison, OH, to engage de novo 

in permissible nonbanking activities listed in 225.28(b)(1),(2)(ivi,viii) of Regulation Y, through its wholly-owned consumer 

finance company, TuscValley Financial, Inc.,Dennison, OH, 

pursuant to the authority of 225.22(a) of Regulation Y. 
Section V – Availability of CRA public evaluations 

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

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

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

in May 1995. 

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

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

facilities. 

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

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, June 29, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch RBC Centura Bank, Rocky Mount, North Carolina, to establish 

a branch at 38-A Black Gum Road, Pawley's Island, South 

Carolina.* 

Newspaper - 07/05/2002 

18(c) Southern Financial Bank, Warrenton, Virginia, to merge with 

Metro-County Bank of Virginia, Inc., Mechanic sville, Virginia.* 

Newspaper - 07/13/2002 

*Subject to the provisions of the Community Reinvestment Act. 

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

Ending date of 

Type Application comment period 

3(a)(3) MainStreet BankShares, Inc., Martinsville, Virginia, to acquire 

100% of the voting shares of Franklin Community Bank, N.A. 

(in organization), Rocky Mount, Virginia.* 

4(c)(8) BB&T Corporation, Winston-Salem, North Carolina, to acquire 

Regional Financial Corporation, Tallahassee, Florida.* 

3(a)(3) Community First Financial Corporation, Lynchburg, Virginia, to 

acquire 9.3% of the voting securities of Highlands Community 

Bank, Covington, Virginia (in organization).* 

Fed Reg - 07/15/2002 

Newspaper - 07/10/2002 

Fed Reg - 07/26/2002 

Newspaper - 07/21/2002 

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 

Ending date of 

Type Application comment period 

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

Type Application 

3(a)(1) Alliance Bankshares Corporation, Fairfax, Virginia, to become a 

bank holding company through the acquisition of 100% of the 

voting shares of Alliance Bank Corporation, Fairfax, Virginia. 

Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, June 29, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch RBC Centura Bank, Rocky Mount, North Carolina, to establish 

a branch at 38-A Black Gum Road, Pawley's Island, South 

Carolina.* 

Newspaper - 07/05/2002 

18(c) Southern Financial Bank, Warrenton, Virginia, to merge with 

Metro-County Bank of Virginia, Inc., Mechanic sville, Virginia.* 

Newspaper - 07/13/2002 

*Subject to the provisions of the Community Reinvestment Act. 

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

Ending date of 

Type Application comment period 

3(a)(3) MainStreet BankShares, Inc., Martinsville, Virginia, to acquire 

100% of the voting shares of Franklin Community Bank, N.A. 

(in organization), Rocky Mount, Virginia.* 

4(c)(8) BB&T Corporation, Winston-Salem, North Carolina, to acquire 

Regional Financial Corporation, Tallahassee, Florida.* 

3(a)(3) Community First Financial Corporation, Lynchburg, Virginia, to 

acquire 9.3% of the voting securities of Highlands Community 

Bank, Covington, Virginia (in organization).* 

Fed Reg - 07/15/2002 

Newspaper - 07/10/2002 

Fed Reg - 07/26/2002 

Newspaper - 07/21/2002 

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 

Ending date of 

Type Application comment period 

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

Type Application 

3(a)(1) Alliance Bankshares Corporation, Fairfax, Virginia, to become a 

bank holding company through the acquisition of 100% of the 

voting shares of Alliance Bank Corporation, Fairfax, Virginia. 

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 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, June 29, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) Bank Independent, Sheffield, Alabama, to acquire certain assets 

and assume certain liabilities of the Mall and Rogersville offices 

of First Southern Bank, Florence, Alabama. 

Branch Compass Bank, Birmingham, Alabama, to establish branches at 

the following locations: the intersection of Liberty Parkway and 

Urban Center Parkway, Birmingham, Alabama, to be known as 

the Birmingham - Liberty Parkway Branch; the intersection of 

FM 544 and Murphy Road, Murphy, Texas, to be known as 

Murphy - FM 544 Branch; 3101 Matlock Road, Mansfield, 

Texas, to be known as the Mansfield - Matlock Branch, and at 

the intersection of 64th Avenue and Indiana Street, Arvada, 

Colorado, to be known as the Arvada - Indiana Branch. 

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

located at 3994 Tampa Road, Oldsmar, Florida, to be known as 

the Oldsmar Office. 

Branch The Terrace Bank of Florida, Tampa, Florida, to establish a 

branch located at 4005 South Dale Mabry Highway, Tampa, 

Florida. 

07/25/2002* 

07/01/2002* 

06/29/2002* 

07/01/2002* 

*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) Gwinnett Commercial Group, Inc., Lawrenceville, Georgia, to 

merge with Embry Bankshares, Inc., and thereby acquire Embry 

Bank, both of Lawrenceville, Georgia. 

CIC Integrity Bancshares, Inc., Alpharetta, Georgia, after-the-fact 

change in control notice by Clinton M. Day, C. Parke Day, C. 

Peyton Day, C. Burke Day, Kathleen Day, Day Investments, 

LLC, and Deen Day-Smith to retain 13.89 percent of the 

outstanding shares of Integrity Bancshares, Inc., Alpharetta, 

Georgia. 

Fed Reg - 06/06/2002* 

Newspaper – 07/03/2002 
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 

COM Gwinnett Commercial Group, Inc., Lawrenceville, Georgia, 

commitment waiver request. 

3(a)(1) Wheeler Bancshares, Inc., Alamo, Georgia, notice to become a 

bank holding company by acquiring Wheeler County State 

Bank, Alamo, Georgia. 

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, June 29, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18C & Branch Midwest Bank and Trust Company, Elmwood Park, Illinois, to 

merge with Midwest Bank of Hinsdale, Hinsdale, Illinois and 

Midwest Bank of McHenry County, Union, Illinois and thereby 

to establish seven branch offices.* 

Branch Elkhart Community Bank, Elkhart, Indiana, to expand their 

mobile branch to operate within a 15-mile radius of the head 

office.* 

Branch Maquoketa State Bank, Maquoketa, Iowa, to establish a branch 

facility to be located at 131 West Gillet Street, Preston, Iowa.* 

Newspaper – 07/08/2002 

Newspaper – 06/28/2002 

Newspaper – 06/30/2002 

* 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) Cincinnati BancGroup, Inc., Mason, Ohio, to become a bank 

holding company by acquiring 100 percent of Bank of Kenney, 

Kenney, Illinois.* 

3(a)(1) Orchid Financial Bancorp, Inc., St. Charles, Illinois, to become a 

bank holding company by acquiring 100 percent of American 

Eagle Bank (in organization), South Elgin, Illinois.* 

CC Notice by Stephen Suiter, Princeton, Iowa, and Jane Suiter 

Gahard, LeClaire, Iowa, as immediate family acting in concert, 

to increase control of Princeton/LeClaire Agency, Inc., 

Princeton, Iowa, following the redemption of 199 shares of 

holding company stock. Stephen Suiter will own and control 

41.79% individually and Jane Suiter will own and control 

7.96%. 

Fed Reg – 07/05/2002 

Newspaper – 07/06/2002 

Fed Reg – 06/24/2002 

Newspaper – 06/30/2002 

Fed Reg – 07/01/2002 

Newspaper – 07/02/2002 

* 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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, June 29, 2002 

Section I – Applications subject to newspaper notice only 

Type Application 

Ending date of 

comment period 

Branch Premises Citizens Bank & Trust Company, Van Buren, Arkansas, to Newspaper – 07/18/2002 

relocate a branch facility to 200 Highway 71 North, Alma, 

Arkansas, from 115 Highway 71 North, Alma, Arkansas. Also, 

Citizens Bank & Trust to increase its investment in bank 

premises in the amount of $1.24 million. Pro forma investment 

in premises of $4.85 million will represent 194 percent of capital 

stock and surplus.* 

* Subject to the provisions of the Community Reinvestment Act 

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

Type Application 

3A1 Aviston Financial Corporation, Trenton, Illinois, to become a 

bank holding company by acquiring 100 percent of the voting 

shares of Aviston Bancorp, Inc., Aviston, Illinois, and thereby 

indirectly acquire its subsidiary bank, State Bank of Aviston, 

Aviston, Illinois.* 

3A1 FCB Financial Services, Inc., Marion, Arkansas, to become a 

bank holding company by acquiring 100 percent of First 

Community Bank of Eastern Arkansas, Marion, Arkansas. 

(Previously submitted during the week ending June 22, 2002)* 

3A3 First Delta Bankshares, Inc., Blytheville, Arkansas, to acquire 

100 percent of Bank of Trumann, Trumann, Arkansas. 

(Previously submitted during the week ending June 22, 2002)* 

3A1 Tri-County Bancshares, Inc., Beecher City, Illinois, to become a 

bank holding company by acquiring 100 percent of First State 

Bank of Beecher City, Beecher City, Illinois. (Previously 

submitted during the week ending June 22, 2002)* 

Ending date of 

comment period 

Newspaper – N/Avail Fed 

Reg – N/Avail 

Newspaper – 07/26/2002 

Fed Reg – 07/25/2002 

Newspaper – 07/26/2002 

Fed Reg – 07/22/2002 

Newspaper – 07/17/2002 

Fed Reg – 07/22/2002 

* 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

3A3 Mid-Missouri Bancshares, Inc., Springfield, Missouri, to acquire Newspaper – 07/21/2002 

22.25 percent of the voting shares of Central States Bancshares, Fed Reg – 07/22/2002

Inc., Springfield, Missouri, and thereby indirectly acquire its 

subsidiary bank, Webb City Bank, Webb City, Missouri. 

(Previously submitted during the week ending June 22, 2002)* 

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. 
Section V – Availability of CRA public evaluations 

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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, June 29, 2002

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) & Branch Dakota Bank, Mendota Heights, Minnesota, to merge with The 

Midway National Bank of St. Paul, St. Paul, Minnesota. In 

addition, Dakota Bank proposes to relocate its main office to the 

St. Paul, Minnesota, main office location of the target bank and 

retain its existing main office as a branch. Dakota Bank also 

proposes to retain the three branch offices of the target bank 

located in Apple Valley, Bloomington, and Burnsville, 

Minnesota.*

N/Avail

* 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) Hazen Bancorporation, Inc., Hazen, North Dakota to acquire 

15.5 percent of North Star Holding Company, Inc., Jamestown, 

North Dakota, which owns Stutsman County State Bank, 

Jamestown, North Dakota

Fed Reg – N/Avail 

Newspaper – N/Avail 

3(a)(3) McIntosh County Bank Holding Compnay, Inc., Ashley, North 

Dakota, to acquire 30.9 percent of North Star Holding Company, 

Inc., Jamestown, North Dakota, which owns Stutsman County 

State Bank, Jamestown, North Dakota.

Fed Reg – N/Avail 

Newspaper – N/Avail 

3(a)(3) TCF Financial Corporation, Wayzata, Minnesota, to acquire 

9.99 percent of MainStreet Bank Shares, Inc., Martinsville, 

Virginia, which owns Smith River Community Bank, N.A., 

Martinsville, Virginia, and has applied for prior approval to 

acquire Franklin County Community Bank, N.A., Rocky Mount, 

Virginia, a de novo bank.

Fed Reg – 07/26/2002

Newspaper – N/Avail

3(a)(3) Wishek Bancorporation, Inc., Wishek, North Dakota, to acquire 

30.9 percent of North Star Holding Company, Jamestown, North 

Dakota, Which owns Stutsman County State Bank, Jamestown, 

North Dakota. 

Fed Reg – N/Avail 

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

Type Application

Ending date of

comment period

CIC Douglas H. Lewis II, Duluth, Minnesota, to gain control of 

North Shore Financial Corporation, Duluth, Minnesota, and 

thereby indirectly gain control of North Shore Bank of 

Commerce, Duluth, Minnesota.

Fed Reg – 07/09/2002

Newspaper – 07/08/2002

CIC Wayne A. Stroup, Garrison, North Dakota to gain control of 

North Star Holding Company, Inc., Jamestown, North Dakota 

and thereby indirectly gain control of North Shore Bank of 

Commerce Duluth, Minnesota. 

Fed Reg – N/Avail 

Newspaper – N/Avail

CIC The R.J. Doornek Trust and R.J. Doornek, as an individual and 

trustee of the trust, Wolf Point, Montana, to gain control of 

Western Holding Company of Wolf Point, Wolf Point, Montana, 

and thereby indirectly gain control of Western Bank of Wolf 

Point, Wolf Point, Montana.

Fed Reg – 07/11/2002

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

356350 American State Bank of Rapid City, 

Rapid City, South Dakota

03/04/2002 06/25/2002 S X

666358 First Citizens Bank of Butte, Butte, 

Montana

03/11/2002 06/25/2002 S X

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, June 29, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Bank of Blue Valley, Overland Park, Kansas, to establish a Newspaper - 07/01/2002 

branch at 13351 Mission Road, and 13401 Mission Road, both 

in Leawood, Kansas. 

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

Type Application 

3(a)(1) First Midwest Acquisition Corporation, Midwest City, 

Oklahoma, to become a bank holding company through the 

acquisition of 80.6 percent of the voting shares of First Midwest 

Bancorp, Inc., Midwest City, Oklahoma, parent of First National 

Bank, Midwest City, Oklahoma. 

3(a)(3) Pinnacle Bancorp, Inc., Central City, Nebraska, to acquire 100 

percent of the voting shares of Keene Bancorp, Inc., Keene, 

Texas, parent of Nichols Bancshares, Inc., Dover, Delaware and 

First State Bank, Keene, Texas. 

CIC John Steven Schnoor and Carmela Rose Schnoor, both of 

Hildreth, Nebraska, to acquire control of Hildreth State 

Company, Inc., Hildreth, Nebraska, parent of State Bank of 

Hildreth, Hildreth, Nebraska. 

Ending date of 

comment period 

Newspaper - 07/08/2002 

Fed Reg - 07/11/2002 

Newspaper - 07/06/2002 

Fed Reg - 07/08/2002 

Newspaper - 07/16/2002 

Fed Reg - 07/02/2002 

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 

182652 First Bank of Fairland 03/25/2002 06/26/2002 S X 

32 W Conner 

Fairland, Oklahoma 74343 

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, June 29, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch PNB Financial Bank, Lubbock, TX, to establish a branch office 07/13/2002 

at 2500 Legacy Drive, Frisco, TX 75034* 

* 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) First Bancshares of Texas, Inc., Midland, TX, to acquire First 

Midland Nevada Corp, Reno, NV, and First National Bank of 

Midland, Midland, TX* (Previously reported the week ending 

June 22, 2002) 

3(a)(1) First Midland Nevada Corp, Reno, NV, to acquire First National 

Bank of Midland, Midland, TX* (Previously reported the week 

ending June 22, 2002) 

3(a)(5) Prosperity Bancshares, Inc., Houston, TX, to acquire Paradigm 

Bancorporation, Inc., Houston, TX, and indirectly, Paradigm 

Delaware Bancorporation, Inc., Dover, DE, and Paradigm Bank 

Texas, Houston, TX* 

3(a)(5) Sterling Bancshares, Inc., Houston, TX, to acquire ENB 

Bankshares, Inc., Dallas, TX, and indirectly ENB Delaware 

Bankshares, Inc., Wilmington, DE, and Eagle National Bank, 

Dallas, TX* 

Fed Reg – 07/19/2002 

Newspaper – 07/19/2002 

Fed Reg – 07/19/2002 

Newspaper – 07/19/2002 

Fed Reg – 07/26/2002 

Newspaper – 07/19/2002 

Fed Reg – 07/29/2002 

Newspaper – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

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

Type Application 

3(a)(1) Cen-Tex Bancshares, Inc., Austin, TX, to acquire Cen-Tex 

Intermediate Holding Company, Inc., Wilmington, DE, and 

Community State Bank, Austin, TX 

3(a)(1) Cen-Tex Intermeidate Holding Company, Inc., Wilmington, DE, 

to acquire Community State Bank, Austin, TX 

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, June 29, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

5d3 Bank of Hawaii, Honolulu, Hawaii, to merge with First Savings and Newspaper – N/Avail 

Loan Association of America, Dededo, Guam.* 

* 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 

CIC F. Kemper Freeman, Jr., Betty J. Freeman, Suzanne L. McQuaid, Newspaper – N/Avail Fed 

Amy C. Schreck, Bellevue Square Managers I Limited Partnership, Reg – N/Avail 

and Bellevue Square Managers, Inc., all of Bellevue, Washington, 

to acquire ownership of 15.85 percent of First Mutual Bancshares, 

Inc., Bellevue, Washington.* 

* 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) Delta National Bancorp, Manteca, California, proposes to purchase Fed Reg – 07/23/2002 

a loan from its subsidiary, Delta National Bank, Manteca, 

California, and thereafter engage de novo in lending activities. 

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

Type Application 

3(a)(5)(C) Community Bancorp, Las Vegas, Nevada, to become a bank 

holding company by acquiring 100 percent of Community Bank of 

Nevada, Las Vegas, Nevada. 
Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

CDC Bank of Hawaii, Honolulu, Hawaii, to make a community 

development investment in the amount of $50,000 through the 

Office of Samoan Affairs of California, Inc., a California non-profit 

corporation, Carson, California. 

CDC Bank of Hawaii, Honolulu, Hawaii, to make a community 

development investment in the amount of $500,000 in the Hawaii 

Community Loan Fund, a Hawaii non profit corporation, Honolulu, 

Hawaii. 

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