Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 50

Week Ending December 13, 2003

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 7, 2003 to December 13, 2003

Bank Holding Companies

Central Pacific Financial, Honolulu, Hawaii -- to acquire shares of CB Bancshares, Inc. 

and thereby acquire City Bank.

- Approved, December 12, 2003 

Board Operations

Office of Inspector General -- budget for 2004-2005.

- Approved, December 11, 2003 

Fomc

Federal Open Market Committee -- minutes of the meeting on October 28, 2003.

- Published, December 10, 2003 

Regulations And Policies

Fair and Accurate Transactions Act -- interim rule with request for comment on a 

proposal to establish December 31, 2003, as the effective date for certain provisions of 

the act, including those that preempt state laws that regulate areas governed by the Fair 

Credit Reporting Act (Docket No. R-1171); and proposed rule to establish a schedule of 

effective dates for other provisions (Docket No. R-1175).

- Approved, December 12, 2003 

Securities Regulation

Commodity Futures Trading Commission -- letter responding to the CFTC's request for 

the Board's views on the application by Eurex to establish a futures exchange in the 

United States.

- Approved, December 12, 2003 

(AC) = Addition or Correction Board - Page 1 of 1
December 7, 2003 to December 13, 2003

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Citizens Bank, Slaton, Texas -- to establish a branch at 6602 Quaker Avenue, Lubbock.

- Approved, December 10, 2003 

Dallas

Regions Bank, Birmingham, Alabama -- to establish a branch at 1112 East Las Olas 

Boulevard, Ft. Lauderdale, Florida.

- Approved, December 9, 2003 

Atlanta

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 4949 Ridgemoor 

Boulevard, Palm Harbor, Florida.

- Approved, December 11, 2003 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 551 Sam Ridley Parkway 

West, Smyrna, Tennessee.

- Approved, December 12, 2003 

Secretary

Bank Holding Companies

Alabama National BanCorporation, Birmingham, Alabama -- to merge with Cypress 

Bankshares, Inc., Palm Coast, Florida, and thereby acquire Cypress Bank.

- Approved, December 12, 2003 

Secretary

Bayerische Hypo-und Vereinsbank Aktiengesellschaft, Munich, Germany -- to engage 

through Identrus, LLC, a Delaware company, in credit bureau services following the 

acquisition by Identrus of eFinance Corporation, San Francisco, California.

- Approved, December 12, 2003 

New York

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority December 7, 2003 to December 13, 2003

Bank Holding Companies

CBS Financial Corporation, Smyrna, Georgia -- to become a bank holding company 

through the acquisition of Community Bank of the South.

- Approved, December 12, 2003 

Atlanta

Eagle National, Inc., Stockbridge, Georgia -- to become a bank holding company 

through the acquisition of Eagle National Bank.

- Withdrawn, December 9, 2003 

Atlanta

Gwinnett Commercial Group, Inc., Lawrenceville, Georgia -- commitment waiver request.

- Granted, December 12, 2003 

Atlanta

Hillsboro Bancshares, Inc., Hillsboro, Texas, and Hillsboro Holdings, Inc., Wilmington, 

Delaware -- to become bank holding companies through the acquisition of The Citizens 

National Bank of Hillsboro.

- Approved, December 10, 2003 

Dallas

KSB Bancorp, Inc., Kaplan, Louisiana -- to merge with Teche Bancshares, Inc., St. 

Martinville, and thereby acquire Teche Bank & Trust Company.

- Approved, December 9, 2003 

Atlanta

Simmons First National Corporation, Pine Bluff, Arkansas -- to acquire Alliance 

Bancorporation, Inc., Hot Springs, and Alliance Bank of Hot Springs.

- Approved, December 11, 2003 

St. Louis

State Bank of Cokato Employee Stock Ownership Plan & Trust II, Cokato, 

Minnesota -- to acquire additional shares of Cokato Bancshares, Inc.

- Approved, December 10, 2003 

Minneapolis

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority December 7, 2003 to December 13, 2003

Bank Mergers

Sun Country Bank, Victorville, California -- to merge with PriVest Bank, Santa Ana.

- Approved, December 12, 2003 

San Francisco

Change In Bank Control

Emprise Financial Corporation, Wichita, Kansas -- change in bank control.

- Permitted, December 9, 2003 

Kansas City

Gateway Bancshares, Inc., St. Louis, Missouri -- to retain control of Gateway 

Bancshares, Inc.

- Permitted, December 12, 2003 

St. Louis

PCI Holdings, Inc., St. Marys, Kansas -- change in bank control.

- Permitted, December 9, 2003 

Kansas City

Competitive Factors Reports

1st National Bank & Trust, Bradenton, Florida -- report on competitive factors of the 

proposed merger with The Trust Company of Florida, Englewood.

- Submitted, December 10, 2003 

Atlanta

Bank Star, Pacific, Missouri -- report on competitive factors of the proposed purchase of 

certain assets and assumption of deposit liabilities of the Pacific branch of Heartland 

Bank, St. Louis.

- Submitted, December 9, 2003 

St. Louis

Centrue Bank, Kankakee, Illinois -- report on competitive factors of the proposed 

merger with Parish Bank and Trust Company, Momence.

- Submitted, December 10, 2003 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority December 7, 2003 to December 13, 2003

Competitive Factors Reports

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

purchase of certain assets and assumption of certain liabilities of the Newton branch of 

Connecticut Community Bank, N.A., Westport, Connecticut.

- Submitted, December 11, 2003 

Boston

First Carnegie Deposit, Carnegie, Pennsylvania -- report on competitive factors of the 

proposed merger with Skibo Financial Corp.

- Submitted, December 10, 2003 

Cleveland

Fort Worth National Bank, Fort Worth, Texas -- report on competitive factors of the 

proposed merger with Interim Fort Worth National Bank.

- Submitted, December 9, 2003 

Dallas

Great Western Bank, Clive, Iowa -- report on competitive factors of the proposed 

acquisition of six branches of Bank Midwest, National Association, Kansas City, 

Missouri.

- Submitted, December 10, 2003 

Chicago

Monarch Community Bancorp, Inc., Coldwater, Michigan -- report on competitive 

factors of the proposed merger with MSB Financial, Inc., Marshall.

- Submitted, December 12, 2003 

Chicago

PremierWest Bank, Medford, Oregon -- report on competitive factors of the proposed 

merger with Mid Valley Bank, Red Bluff, California.

- Submitted, December 10, 2003 

San Francisco

Southwest Bank of Texas, N.A., Houston, Texas -- report on competitive factors of the 

proposed merger with Lone Star Bank, Dallas.

- Submitted, December 11, 2003 

Dallas

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority December 7, 2003 to December 13, 2003

Competitive Factors Reports

United Midwest Savings Bank, DeGraff, Ohio -- report on competitive factors of the 

proposed merger with The First State Bank of West Manchester, West Manchester.

- Submitted, December 10, 2003 

Cleveland

Western National Bank, Colorado Springs, Colorado -- report on competitive factors of 

the proposed merger with Mesa National Bank, Grand Junction, and American National 

Bank, Cheyenne, Wyoming.

- Submitted, December 11, 2003 

Kansas City

Extensions Of Time

AmSouth Bank, Birmingham, Alabama -- extension to January 28, 2005, to establish a 

branch at 2010-2030 Metairie Road, Metairie, Louisiana.

- Granted, December 10, 2003 

Atlanta

Compass Bank, Birmingham, Alabama -- extension to January 15, 2005, to establish 

branches at the intersections of North Lake Pleasant and West Beardsley Roads, Peoria, 

Arizona, and North 75th Avenue and West Thunderbird Road.

- Granted, December 10, 2003 

Atlanta

Membership

Plaza Bank, San Antonio, Texas -- withdrawal from membership in the Federal Reserve 

System.

- Granted, December 10, 2003 

Dallas

(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, December 13, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Manulife Financial Corporation, Toronto, Canada and John 

Hancock Financial Services, Inc., Boston, Massachusetts –

3(a)(1) application to indirectly acquire, respectively, 100% of 

First Signature Bank & Trust, Portsmouth, New Hampshire

Fed Reg – 01/12/2004

Newspaper – 01/24/2004

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, December 13, 2003

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 Barry M. Snyder and Lindrew Properties, LLC, both of Buffalo, 

New York, to acquire shares of Great Lake Bancorp, Inc., 

Buffalo, New York, ("GLB") the holding company of Greater 

Buffalo Savings Bank, Buffalo, New York, that would bring his 

total holdings of GLB voting stock over 10% but less than 25% 

of all shares outstanding.

Fed Reg – 12/30/2003

Newspaper – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

community be evaluated periodically. That record is taken into account in considering an institution's 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, December 13, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, December 13, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Application by The First State Bank of West Manchester, West 

Manchester, Ohio ("First State") to acquire UMW Acquisition 

Corp, DeGraff, Ohio, an interim federally chartered savings 

association.

Newspaper - 12/20/2003

Branch Applications by Fifth Third Bank, Grand Rapids, Michigan, to 

establish branches at 33133 West 12 Mile Road, Farmington 

Hills, MI; 2301 Gezon Parkway, Wyoming, MI; 1190 West 

Argyle Street, Jackson, MI; 2112 Jolly Road, Okemos, MI; 1710 

Maple Avenue Evanston, IL; 1 North Wacker Drive, Chicago, 

IL; 235 West Rand Road, Mt. Prospect, IL; 1366 South 

Milwaukee Avenue, Libertyville, IL; and 460 South Randall 

Road, South Elgin, IL, pursuant to Section 208.6 of Regulation 

H.

Newspaper - N/Avail

Branch Applications by Fifth Third Bank, Cincinnati, Ohio, to establish 

branches at 7700 Cox Road, West Chester, Ohio and 5100 Terra 

Firma Drive, Mason, Ohio, pursuant to Section 208.6 of 

Regulation H.

Newspaper - N/Avail

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

Type Application

Ending date of

comment period

3(a)(1) PSB Holdings, Inc., New Matamoras, Ohio, proposes to become 

a bank holding company through the acquisition of The Peoples 

Savings Bank, New Matamoras, Ohio.

Newspaper - 12/04/2003

Fed Reg - 12/01/2003

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

Bancorp, Inc., St. Louis, Missouri, pursuant to sections 3 and 4 

of the Bank Holding Company Act.

Newspaper - 11/23/2003

Fed Reg - 01/01/2004
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

846619 The Cortland Savings and Banking 

Company

194 West Main Street

Cortland, Ohio 44410

09/29/2003 12/08/2003 S x
Section VI – CRA examinations scheduled for First Quarter of 2004

Institution Location

The State Bank and Trust Company 401 Clinton Street

Defiance, Ohio 43512

Community Trust Bank, Inc. 346 North Mayo Trail

Pikeville, Kentucky 41502-2947

The Savings Bank and Trust Company 1052 High Street

Wadsworth, Ohio 44281

Heartland Bank 850 North Hamilton Road

Gahanna, Ohio 43230

Provident Bank One East Fourth Street

Cincinnati, OH 45202
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, December 13, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch The Fauquier Bank, Warrenton, Virginia, to establish a branch at 

6207 Station Drive, Bealeton, Virginia.*

Newspaper – 12/18/2003

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

a branch at 14925 John J. Delaney Drive, Charlotte, North 

Carolina.*

Newspaper – 12/20/2003

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

a branch at 919 East Main Street, Suite 1700, Richmond, 

Virginia.*

Newspaper – 12/22/2003

18(c) Capital Bank, Greenwood, South Carolina, to merge with The 

Bank of Abbeville, Abbeville, South Carolina.*

Newspaper – 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

CIC Change in Control Notice filed by Mr. Herman Eugene 

Ratchford, Triangle Real Estate of Gastonia, Inc., Mr. Herman 

Eugene Ratchford, Jr., Mr. Dan Wilson Ratchford, and Mr. 

James Henry Ratchford, all of Gastonia, North Carolina, as a 

group acting in concert to control approximately 11.14% of the 

voting shares of First South Bancorp, Inc., Spartanburg, South 

Carolina.

Fed Reg – 01/02/2004

Newspaper – 01/07/2004

4(c)(8) Southern Financial Bancorp, Inc., Warrenton, Virginia, to 

acquire 100% of the voting shares of Essex Bancorp, Inc., 

Norfolk, Virginia.*

Fed Reg – 01/09/2004 

Newspaper – 01/09/2004
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) Community Capital Corporation, Greenwood, South Carolina, to 

acquire 100% of the voting shares of Abbeville Capital 

Corporation, Abbeville, South Carolina.*

Fed Reg – 01/12/2004 

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.
Section V – Availability of CRA public evaluations

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, December 13, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch IBERIABANK, New Iberia, Louisiana, to establish a branch 

located at 320 Texas Street, Shreveport, Louisiana.*

Newspaper-12/16/2003

*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

CIC United Bank Corporation, Barnesville, Georgia, after-the-fact 

change in control notice by the Edwards Family Holdings, 

LLLP, Barnesville, Georgia, the Edwards Family Management 

Trust, Barnesville, Georgia, J. Joseph Edwards and Patricia C. 

Edwards, Barnesville, Georgia, James J. Edwards, Jr., 

Thomaston, Georgia, and Christopher C. Edwards, Griffin, 

Georgia, in their capacities as General Partners, to retain 34.51 

percent of the outstanding shares of United Bank Corporation, 

Barnesville, Georgia, and its subsidiary bank, United Bank, 

Zebulon, Georgia.

Newspaper-N/Avail 

Fed Reg-12/31/2003

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

COM Pinnacle Financial Partners, Inc., Nashville, Tennessee, 

commitment waiver request.

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, December 13, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch 1st Source Bank, South Bend, Indiana, to establish a branch 

facility to be located at 926 Erskine Plaza, South Bend, 

Indiana.*

Newspaper – N/Avail

18C & Branches Unionbank, Streator, Illinois, to merge with 

Unionbank/Northwest, Hanover, Illinois, and Unionbank/West, 

Macomb, Illinois, and thereby to establish 7 branches.*

Newspaper – 12/24/2003

* 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)(5) Bank of Montreal, Toronto, Canada, Bankmont Financial Corp., 

Chicago, Illinois, and Harris Bankcorp, Inc., Chicago, Illinois, to 

acquire 100 percent of the voting shares of Lakeland Financial 

Corp., Round Lake Heights, Illinois, and thereby indirectly 

acquire Lakeland Community Bank, Round Lake Heights, 

Illinois.*

Fed Reg – 01/01/2004

Newspaper – 12/29/2003

3(a)(5) Fentura Financial, Inc., Fenton, Michigan, to merge with West 

Michigan Financial Corporation, Hudsonville, Michigan, and 

thereby indirectly acquire West Michigan Community Bank, 

Hudsonville, Michigan.*

Fed Reg – 01/09/2004

Newspaper – N/Avail

CIC Notice by Norman Wirkler, Carbondale, Colorado, to control 

33.90 percent and by the Wirkler Family (Norman Wirkler, 

Carbondale, CO; Mary Wirkler, Colorado Springs, CO; Helen 

Wirkler, Dallas, TX; and Loma Mowat, Burr Ridge, IL) to gain 

control of 39.52 percent of Garnavillo Bank Corporation, 

Garnavillo, Iowa and thereby indirectly gain control of 

Garnavillo Savings Bank, Garnavillo, Iowa.

Fed Reg – 12/12/2003

Newspaper – 12/09/2003
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC Notice by Randall E. Vail, Lake Mills, Wisconsin, to increase 

his ownership above 25 percent of The Greenwood's 

Bancorporation, Inc., Lake Mills, Wisconsin, and thereby 

indirectly acquire The Greenwood's State Bank, Lake Mills, 

Wisconsin.

Fed Reg – 12/04/2003

Newspaper – 12/09/2003

3(a)(1) LDF, Inc., Chicago, Illinois, to become a bank holding company 

through the acquisition of 100 percent of the voting shares of 

Labe Bank, Chicago, Illinois.*

Fed Reg – N/Avail

Newspaper – 12/30/2003

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

Bushnell, Illinois, to increase its ownership from 44.33 percent 

to 49.47 percent of Prairieland Bancorp, Inc., Bushnell, Illinois, 

and thereby indirectly acquire Farmers and Merchants State 

Bank, Bushnell, Illinois.*

Fed Reg – 01/05/2004

Newspaper – 12/30/2003

CIC Notice by JP Family Limited Partnership, Springfield, Illinois; 

Catherine J. Gonzalez, Springfield, Illiois, as trustee of the 

Catherine J. Gonzalez Declaration of Trust; Paul E. Presney, II, 

Rochester, Illinois; Jane J. Presney, Springfield, Illinois, as 

trustee of the Jane J. Presney Declaration of Trust; Paul E. 

Presney, Sr., Springfield, Illinois, as trustee of the Paul E. 

Presney, Sr. Declaration of Trust, to retain control of 34.79 

percent of the voting shares of Will Bancorp, Inc., Williamsville, 

Illinois, and thereby indirectly acquire Williamsville State Bank 

and Trust, Williamsville, Illinois.

Fed Reg – 12/18/2003

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, December 13, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Buffalo, Buffalo, Kentucky, to establish a branch 

facility to be located at 2375 Lincoln Farm Road, Hodgenville, 

Kentucky.*

Newspaper – 12/18/2003

* 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

CIC Notice by the Don Crader Revocable Trust, and Don Crader as 

trustee, both of Marble Hill, Missouri, to gain control of First 

Southeast Missouri Bancorporation, Inc., Scott City, Missouri.

Newspaper – 12/28/2003

Fed Reg 01/02/2004

3A3 Home Bancshares, Inc., Conway, Arkansas, to retain its existing 

32.25 percent ownership of TCBancorp, Inc., North Little Rock, 

Arkansas, and thereby retain its ownership of Twin City Bank, 

North Little Rock, Arkansas.*

Newspaper – 01/07/2004

Fed Reg 01/12/2004

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4c8 City Bancorp, Inc., Springfield, Missouri, to engage in extending 

credit and servicing activities.

Fed Reg – 01/09/2004

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, December 13, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

 Branch First American Bank & Trust, Madison, South Dakota, proposes 

to establish a branch at 832 St. Joseph Street, Rapid City, South 

Dakota.*

Newspaper – N/Avail

Branch First PREMIER Bank, Sioux Falls, South Dakota to establish a 

branch at 6701 West 41st Street, Sioux Falls, South Dakota.*

Newspaper – 12/22/2003

*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

CIC Change in control notice by Kent Evans Nyberg as trustee, 

Grand Rapids, Minnesota to acquire control of First National 

Agency Company of Deer River, Deer River, Minnesota, and 

thereby indirectly acquire control of First National Bank of Deer 

River, Deer River, Minnesota.

Fed Reg-12/10/2003

Newspaper – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

community be evaluated periodically. That record is taken into account in considering an institution's 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, December 13, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First State Bank NM, Taos, New Mexico, to establish a branch 

at 151 South College Avenue, Fort Collins, Colorado.

Newspaper - 12/19/2003

Branch First State Bank NM, Taos, New Mexico, to establish a branch 

at 220 Josephine Street, Denver, Colorado.

Newspaper - 12/19/2003

18(c) United Bank & Trust Marysville, Kansas (formerly State Bank 

of Axtell, Axtell, Kansas), to purchase certain assets and assume 

certain liabilities of the Clay Center, Kansas; Concordia, 

Kansas; Linn, Kansas; Marysville, Kansas (1016 Broadway and 

823 Broadway); Sabetha, Kansas (511 Paramount, 935 main 

Street, and 1001 Main Street); Seneca, Kansas (602 North Street 

and 502 Main Street); and Washington, Kansas branches of 

Gold Bank, Leawood, Kansas.

Newspaper - N/Avail

18(c) Union Colony Bank, Greeley, Colorado, to purchase certain 

assets and assume certain liabilities of the Greeley, Colorado; 

Kersey, Colorado; Fort Lupton, Colorado; Platteville, Colorado; 

and Wellington, Colorado branches of Vectra Bank Colorado, 

N.A., Farmington, New Mexico.

Newspaper - N/Avail

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

Type Application

Ending date of

comment period

3(a)(1) UBT Bancshares, Inc., Marysville, Kansas, to become a bank 

holding company through the acquisition of 100 percent of the 

voting shares of United Bank & Trust, Marysville, Kansas 

(formerly State Bank of Axtell, Axtell, Kansas).

Newspaper - N/Avail

Fed Reg - 01/05/2004
Section II – Applications subject to both newspaper and Fe deral Register notice

Type Application

Ending date of

comment period

3(a)(3) Lindoe, Inc., Ordway, Colorado, to acquire 100 percent of the 

voting shares of First National Bank of Lake City & Creede, 

Lake City, Colorado.

Newspaper - 01/04/2004

Fed Reg - 01/02/2004

CIC Notice by Robert M. Alexander, Calhan, Colorado, to acquire 

control of Financial Services of the Rockies, parent of First 

National Bank of Colorado Springs, both of Colorado Springs, 

Colorado.

Newspaper - 12/24/2003

Fed Reg - 12/26/2003

CIC Notice by Jeffrey Reder, Westminster, Colorado; William 

Schmidt, Westminster, Colorado; and Tschudy Schmidt, Fort 

Collins, Colorado, to acquire control of Mountain States 

Bancorporation, Inc., Denver, Colorado, parent of Mountain 

States Bank, Denver, Colorado.

Newspaper - N/Avail 

Fed Reg - 12/22/2003

CIC Notice by Joseph L. Durler and Loraine P. Durler, both of 

Syracuse, Kansas, to acquire control of Valley Bancorp, Inc., 

parent of Valley State Bank, both in Syracuse, Kansas.

Newspaper - 12/23/2003

Fed Reg - N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

4(c)(8) State Holding Company, Thermopolis, Wyoming, to engage in 

title insurance activities in a community of less than 5,000 

through the acquisition of First American Title Company of Hot 

Springs County, Thermopolis, Wyoming.
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

175056 Bank of Western Oklahoma

201 E. Broadway

Elk City, Oklahoma 73644-4733

09/22/2003 12/08/2003 S X

9955 First State Bank & Trust Company of 

Larned

116 W. 6th Street

Larned, Kansas 67550-3085

09/15/2003 12/12/2003 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, December 13, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Texas State Bank, McAllen, TX, to establish a mobile branch* Newspaper 12/20/2003

*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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, December 13, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Orange County, Orange, California, to establish a 

branch facility to be located at 1101 East Orangewood Avenue, 

Anaheim, California.*

Newspaper – 12/19/2003

Branch United Security Bank, Fresno, California, to establish a branch 

facility to be located at 855 M Street, Suite 110, Fresno, 

California.*

Newspaper – 12/19/2003

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) First Commerce Bancorp, Encino, California, to become a bank 

holding company by acquiring 100 percent of First Commerce 

Bank, Encino, California.*

Newspaper – 12/26/2003

Fed Reg – 01/05/2004

CIC Notice by Arnold Clair Benton and Neva Clair Benton, Reno, 

Nevada, to increase their ownership up to 13.03 percent of 

Heritage Bancorp, Reno, Nevada.*

Newspaper – N/Avail

Fed Reg – 12/31/2003

* 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

1163171 Hacienda Bank

361 Town Center West

Santa Maria, CA 93458

(805) 346-8000

08/11/2003 12/12/2003 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None