H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 25 

Week Ending June 18, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions June 12, 2005 to June 18, 2005 

Advisory Councils 

Consumer Advisory Council -- request for nominations for ten new members. 

- Announced, June 15, 2005 

Enforcement 

Farmers Bank of Maryland, Annapolis, Maryland -- issuance of an order of 

prohibition against Frank G. Caton, a former branch manager and institutionaffiliated party. 

- Announced, June 17, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority June 12, 2005 to June 18, 2005 

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

C&CA Consumer and Community Affairs IF International Finance 

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

Bank Branches, Domestic 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 6745 North Church 

Avenue, Mulberry, Florida. 

- Approved, June 16, 2005 

Dallas 

Texas Star Bank, Van Alstyne, Texas -- to establish a branch at 101 Gene Autry 

Drive, Tioga. 

- Approved, June 15, 2005 

Cleveland 

The Croghan Colonial Bank, Fremont, Ohio -- to establish a branch at 27 East Main 

Street, Norwalk. 

- Approved, June 13, 2005 

Kansas City 

United Bank & Trust, Marysville, Kansas -- to establish a branch at 1800 Claflin 

Road, Manhattan. 

- Approved, June 16, 2005 

San Francisco 

United Security Bank, Fresno, California -- to establish a branch at 7088 North First 

Street. 

- Approved, June 14, 2005 

Richmond 

Waccamaw Bank, Whiteville, North Carolina -- to establish a branch at 4945 

Southport Supply Road Southeast, Southport. 

- Approved, June 17, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 5 
H.2 Actions under delegated authority June 12, 2005 to June 18, 2005 

Bank Holding Companies 

Atlanta 

Hometown Community Bancshares, Inc., Braselton, Georgia -- to become a bank 

holding company and to acquire Hometown Community Bank, a de novo bank. 

- Approved, June 16, 2005 

Atlanta 

Neighborhood Bank Corporation, Palatka, Florida -- to become a bank holding 

company and to acquire Putnam State Bank. 

- Approved, June 17, 2005 

Chicago 

North Star Financial Holdings, Inc., Bingham Farms, Michigan -- to become a bank 

holding company and to acquire N Star Community Bank, a de novo bank; and for 

N Star Community Bank to become a member of the Federal Reserve System. 

- Approved, June 16, 2005 

Richmond 

Sandy Spring Bancorp, Inc., Olney, Maryland -- relief from certain commitments. 

- Granted, June 14, 2005 

San Francisco 

Sterling Financial Corporation, Spokane, Washington -- to become a bank holding 

company and to acquire Sterling Savings Bank. 

- Approved, June 17, 2005 

Atlanta 

Total Bancshares Corp., Miami, Florida -- relief from a commitment. 

- Granted, June 13, 2005 

Minneapolis 

Tradition Bancshares, Inc., Edina, Minnesota -- to become a bank holding company 

and to acquire Tradition Capital Bank, a de novo bank. 

- Approved, June 16, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 5 
H.2 Actions under delegated authority June 12, 2005 to June 18, 2005 

Bank Mergers 

Richmond 

NBRS Financial, Rising Sun, Maryland -- to purchase certain assets and assume 

certain liabilities of the Penn Hills, Pennsylvania, branch of Susquehanna Bank PA, 

Lititz. 

- Approved, June 15, 2005 

Change In Bank Control 

Kansas City 

Rock Springs American Bancorporation, Inc., Rock Springs, Wyoming -- change in 

bank control. 

- Permitted, June 14, 2005 

Atlanta 

Saint Landry Bancshares, Inc., Opelousas, Louisiana -- change in bank control. 

- Permitted, June 13, 2005 

Competitive Factors Reports 

Kansas City 

Bank of Weston, Weston, Missouri -- report on competitive factors of the proposed 

purchase of certain assets and assumption of certain liabilities of the Camden Point 

branch of UMB Bank, National Association, Kansas City. 

- Submitted, June 17, 2005 

Cleveland 

First Financial Bank, National Association, Hamilton, Ohio -- report on competitive 

factors of the proposed merger with Community First Bank & Trust, Celina, and 

Sand Ridge Bank, Highland, Indiana. 

- Submitted, June 13, 2005 

Chicago 

First National Bank of Danville, Danville, Illinois -- report on competitive factors of 

the proposed merger with American Savings Bank of Danville. 

- Submitted, June 14, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 5 
H.2 Actions under delegated authority June 12, 2005 to June 18, 2005 

Competitive Factors Reports 

Kansas City 

First National Bank, Sidney, Nebraska -- report on competitive factors of the 

proposed merger with First National Bank, Torrington, Wyoming. 

- Submitted, June 16, 2005 

Dallas 

First Victoria National Bank, Victoria, Texas -- report on competitive factors of the 

proposed merger with Planters & Merchants State Bank, Hearne. 

- Submitted, June 14, 2005 

Chicago 

Fortress Bank, Westby, Wisconsin -- report on competitive factors of the proposed 

merger with Wisconsin State Bank, Random Lake. 

- Submitted, June 14, 2005 

Chicago 

Harvard Savings Bank, Harvard, Illinois -- report on competitive factors of the 

proposed merger with Harvard Savings Interim Bank II. 

- Submitted, June 14, 2005 

Boston 

The Berlin City Bank, Berlin, New Hampshire -- report on competitive factors of 

the proposed merger with The Pemigewasset National Bank of Plymouth, Plymouth. 

- Submitted, June 17, 2005 

Minneapolis 

The First National Bank in Sioux Falls, Sioux Falls, South Dakota -- report on 

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

certain liabilities of the Brandon branch of Security Bank, Madison. 

- Submitted, June 16, 2005 

Chicago 

United Community Bank, Chatham, Illinois -- report on competitive factors of the 

proposed merger with State Bank of Auburn, Auburn. 

- Submitted, June 14, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 5 
H.2 Actions under delegated authority June 12, 2005 to June 18, 2005 

Competitive Factors Reports 

Secretary 

Zions First National Bank, Salt Lake City, Utah -- report on competitive factors of 

the proposed acquisition of the deposits of American Investment Bank, National 

Association. 

- Submitted, June 13, 2005 

Extensions Of Time 

Secretary 

Citigroup Inc., New York, New York -- extension of time for Banco Nacional de 

Mexico, S.A., Mexico City, Mexico, to divest its interests in certain assets acquired 

in settlement of debts previously contracted. 

- Granted, June 14, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 5 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, June 18, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

4(c)(8) Boston Private Financial Holdings, Inc., Boston, Massachusetts -

to acquire Gibraltar Financial Corporation and its wholly-owned 

subsidiary, Gibraltar Bank, FSB, both of Coral Gables, Florida

Newspaper – 07/08/2005

Fed Reg – 07/11/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, June 18, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Manufacturers and Traders Trust Company, Buffalo, New York, 

to establish a branch office at 100 Homewood Way, Penn 

Township, New County, Pennsylvania.

Newspaper – 07/01/2005

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4C8 Banco do Brasil S.A., Brazil, requests prior approval pursuant to 

Section 4(c)(8) of the BHC Act and Section 225.24(a) of 

Regulation Y, for its recently formed, wholly-owned subsidiary, 

Banco do Brasil Securities LLC, (formerly BB Leasing Services, 

LLC) a registered broker-dealer in New York, to commence 

engaging in securities brokerage and riskless principal services 

and acting as agent in the private placement of securities.

Fed Reg – 07/01/2005

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, June 18, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Investment MBNA Europe Bank Limited, United Kingdom, a wholly 

owned subsidiary of MBNA America Bank, N.A., Wilmington, 

DE, to invest $302 million ($160 Million UK), into Marlin 

House Holdings Limited, Watford, Hertfordshire.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, June 18, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch FifthThird Bank, Grand Rapids, Michigan to establish branch at 

6040 Stadium Drive, Kalamazoo, Michigan 49009

Newspaper – 06/23/2005

*Branch Fifth Third Bank, Grand Rapids, Michigan to establish branch at 

2805 10 Mile Road NE, Rockford, Michigan 49341

Newspaper – 06/23/2005

*Branch Fifth Third Bank, Grand Rapids, Michigan to establish branch at 

3402 Heartland Street, Marion, Illinois 62959

Newspaper – 06/23/2005

*Branch Fifth Third Bank, Cincinnati, OH to establish branch at 940 

Sheraton Drive, Mars, PA

Newspaper – 06/23/2005

*Branch Fifth Third Bank, Cincinnati, OH to establish branch at 1669 

Holt Road, Columbus, OH

Newspaper – 06/23/2005

*Branch Sky Bank, 10 E. Main St., Salineville, OH to establish branch 

facility at Mt. Lebanon Financial Center, 327 Cochran Rd., Mt. 

Lebanon, PA

Newspaper – 06/21/2005

*Branch Sky Bank, 10 E. Main St., Salineville, OH to establish branch 

facility at OSU Campus Financial Center, 1824 N. High St., 

Columbus, OH

Newspaper – 06/21/2005

*Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

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 18, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First Charter Bank, Charlotte, North Carolina, to establish a 

branch at 2501 Blue Ridge Road, Suite 100, Raleigh, North 

Carolina.*

Newspaper – 06/23/2005

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(3) Coastal Banking Company, Inc., Beaufort, South Carolina, to 

merge with First Capital Bank Holding Company, Inc., 

Fernandina Beach, Florida.*

Fed Reg – 07/11/2005

Newspaper – 07/08/2005

*Subject to the provision of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, June 18, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

9951 Okeechobee Boulevard, West Palm Beach, Florida, to be 

known as the Baywinds Office.*

Newspaper – 06/17/2005

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

13927 St. Augustine Road, Jacksonville, Florida, to be known as 

the Bartram Park Office.*

Newspaper – 06/26/2005

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) First Security Group, Inc., Chattanooga, Tennessee, to acquire 

100 percent of the outstanding shares of Jackson Bank & Trust, 

Gainesboro, Tennessee.*

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1) Mountain Valley Bancshares, Inc., Cleveland, Georgia, to 

become a bank holding company by acquiring 100 percent of the 

outstanding shares of Mountain Valley Community Bank, 

Cleveland, Georgia.*

Newspaper – 06/18/2005

Fed Reg – 06/30/2005

3(a)(1) Sapelo Bancshares, Inc., to acquire 100 percent of the 

outstanding shares of Sapelo National Bank, both of Darien, 

Georgia.*

Newspaper – 07/07/2005

Fed Reg – 07/08/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, June 18, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Comerica Bank, Detroit, Michigan, to establish two branch 

facilities at the following locations: 680 Newport Center Drive, 

Suite 290, Newport Beach, California; and 12001 W. San 

Vicente Blvd., Suite 100, Los Angeles, California.*

Newspaper – 06/18/2005

Branch Port Byron State Bank, Port Byron, Illinois, to establish a branch 

facility to be located at 104 West Third Street, Coal Valley, 

Illinois.*

Newspaper – 06/24/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Albany Bancshares, Inc., Albany, Illinois, to acquire 100 percent 

of the voting shares of Hillsdale Development Corporation, 

Hillsdale, Illinois, and thereby indirectly acquire Old Farmers & 

Merchants State Bank, Hillsdale, Illinois.*

Fed Reg – 06/30/2005

Newspaper – 06/25/2005

3(a)(1) AztecAmerica Financial Group, Inc., Berwyn, Illinois, to 

become a bank holding company by acquiring 100 percent of the 

voting shares of AztecAmerica Bank (in organization), Berwyn, 

Illinois.*

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notice by Marjorie E. Binder, Chicago, Illinois, to acquire 

control of 97.31 percent of the outstanding common stock and 

97.95 percent of the outstanding B common stock of Bellwood 

Bancorporation, Inc., Bellwood, Illinois, and thereby indirectly 

acquire Greater Chicago Bank, Bellwood, Illinois.

Fed Reg – 06/24/2005

Newspaper – 06/30/2005

3(a)(3) Capitol Bancorp, Ltd., Lansing, Michigan, and Capitol 

Development Bancorp Limited I, Lansing, Michigan, to acquire 

51 percent of the voting shares of Bank of San Francisco (in 

organization), San Francisco, California.*

Fed Reg – 07/11/2005

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

Type Application

Ending date of

comment period

CIC Notice by Ralph Mason, Bourbon, Indiana and Brad Mason, 

Bourbon, Indiana, to acquire control of The First State Bank of 

Bourbon, Bourbon, Indiana.

Fed Reg – 06/29/2005

Newspaper – 06/16/2005

3(a)(1) Lamplighter Financial, MHC, Wauwatosa, Wisconsin and 

Wauwatosa Holdings, Inc., Wauwatosa, Wisconsin, to become a 

bank holding company by acquiring 100 percent of the voting 

shares of Wauwatosa Savings Bank, Wauwatosa, Wisconsin.*

Fed Reg – 07/15/2005

Newspaper – N/Avail

3(a)(1) Western Illinois Bancshares, Inc., Monmouth, Illinois. to 

become a bank holding company by acquiring 100 percent of the 

voting shares of Midwest Bank of Western Illinois, Monmouth, 

Illinois.*

Fed Reg – 07/08/2005

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, June 18, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Lincoln County, Elsberry, Missouri, to establish a 

branch facility to be located at 4001 East Highway 47, Winfield, 

Missouri.*

Newspaper – 06/28/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3A3 Mercantile Bancorp, Inc., Quincy, Illinois, to increase its 

ownership from 32.81 percent up to 39.95 percent of New 

Frontier Bancshares, Inc., St. Charles, Missouri, and thereby 

increase its indirect control of New Frontier Bank, St. Charles, 

Missouri.*

Newspaper – 07/11/2005

Fed Reg – 07/15/2005

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, June 18, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Notice by Nancy A Malitz, Detroit, Michigan and Barbara G. 

Lee, Kalispell, Montana to gain control of Ravalli County 

Bankshares, Inc., Hamilton, Montana and thereby indirectly gain 

control of Ravalli County Bank, Hamilton, Montana and West 

One Bank, Kalispell, Montana.

Fed Reg – 07/01/2005

Newspaper – N/Avail

3(a)(1) Vision Bancshares, Inc., St. Louis Park, Minnesota to become a 

bank holding company by acquiring 100 percent of Vision Bank, 

St. Louis Park, Minnesota, a bank in organization.*

Fed Reg – 07/13/2005

Newspaper – N/Avail

CIC Notice by the John C. Elsenpeter 2004 Term Trust and Vicki J. 

Elsenpeter 2004 Term Trust, both of Walker, Minnesota to 

retain control of Walker Bank Co., Walker, Minnesota and 

thereby indirectly retain control of First National Bank of 

Walker, Walker, Minnesota and Lakes State Bank, Pequot 

Lakes, Minnesota.

Fed Reg – 06/22/2005

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, June 18, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Peoples Bank, Oklahoma City, Oklahoma, to establish a branch 

at 12401 North May, Oklahoma City, Oklahoma.

Newspaper – 06/29/2005

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

Type Application

Ending date of

comment period

CIC Notice by Gregory L. Massey, Durant, Oklahoma, to retain 

control of Durant Bancorp, Inc., parent of First United Bank & 

Trust Company, both in Durant, Oklahoma.

Newspaper – N/Avail

Fed Reg – 07/05/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

222754 First Westroads Bank

10855 W. Dodge Road

Omaha, Nebraska 68154-2666

04/11/2005 06/17/2005 S X

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 18, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, June 18, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C Branch Community Bank of Nevada, Las Vegas, Nevada, to merge with 

Bank of Commerce, Henderson, Nevada, and thereby acquire 

three branch offices of Bank of Commerce, all located in 

Nevada.*

Newspaper – 07/08/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

3(5)(C) Northwest Community Bancorp, Inc., Shoreline, Washington, to 

become a bank holding company by acquiring 100 percent of 

Shoreline Bank, Shoreline, Washington.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None