Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 42 

Week Ending October 20, 2001 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions October 14, 2001 to October 20, 2001 

Testimony And Statements 

Monetary policy and economic outlook -- statement by Chairman Greenspan before the 

Joint Economic Committee, U.S. Congress. 

- Published, October 17, 2001 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority October 14, 2001 to October 20, 2001 

BS&R Banking Supervision and Regulatio RBOPS Reserve Bank Operations and Payment 

IF International Fiance 

OSDM Office of Staff Director for Managemen 

C&CA Consumer and Community Affai 

FOMC Federal Open Market Committ 

Bank Branches, Domestic 

Secretary 

Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 3333 

Robinhood Road, Winston-Salem. 

- Approved, October 16, 2001 

Cleveland 

Cortland Savings and Banking Company, Cortland, Ohio -- to establish a branch at 6540 

South Avenue, Boardman. 

- Approved, October 5, 2001 (AC) 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish branches at 15606 Southfield 

Road, Allen Park and 1000 Town Center, Southfield. 

- Approved, October 17, 2001 

Atlanta 

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 5320 Beach Street, 

Haltom City, Texas. 

- Approved, October 15, 2001 

Bank Holding Companies 

Boston 

Dallas 

Camden National Corporation, Camden, Maine -- to acquire Trust Company of Maine, 

Inc., Bangor. 

- Approved, October 17, 2001 

DNB Bancshares, Inc., Dallas, Texas -- to become a bank holding company through the 

acquisition of Dallas National Bank and DNB Delaware Financial Corporation, Dover, 

Delaware, and for DNB Delaware Financial Corporation to become a bank holding 

company through the acquisition of Dallas National Bank. 

- Approved, October 18, 2001 

(AC) = Addition or Correction Delegated - Page 1 of 6 
H.2 Actions under delegated authority October 14, 2001 to October 20, 2001 

Bank Holding Companies 

Atlanta 

Georgia Banking Company, Inc., Atlanta, Georgia -- to become a bank holding company 

through the acquisition of Georgia Banking Company, a de novo bank, and to engage in 

mortgage lending activities through GBC Funding, Inc. 

- Approved, October 15, 2001 

Atlanta 

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

through the acquisition of First Kensington Bank. 

- Approved, October 19, 2001 

Chicago 

Northstar Financial Group, Inc., Bad Axe, Michigan -- to acquire Seaway Community 

Bank, St. Clair, a de novo bank. 

- Approved, October 19, 2001 

Chicago 

Prairieland Employee Stock Ownership Plan, Bushnell, Illinois -- to acquire shares of 

Prairieland Bancorp, Inc. and thereby acquire Farmers and Merchants State Bank. 

- Approved, October 15, 2001 

Banks, State Member 

Richmond 

Northern Neck State Bank, Warsaw, Virginia -- to acquire the Tappahannock branch of 

Citizens and Farmers Bank, West Point. 

- Approved, October 18, 2001 

Change In Bank Control 

Atlanta 

Capital City Bank Group, Inc., Tallahassee, Florida -- change in bank control. 

- Permitted, October 19, 2001 

Atlanta 

Coastal Commerce Bancshares, Inc., Kaplan, Louisiana -- change in bank control. 

- Permitted, October 19, 2001 

(AC) = Addition or Correction Delegated - Page 2 of 6 
H.2 Actions under delegated authority October 14, 2001 to October 20, 2001 

Change In Bank Control 

St. Louis 

Fredonia Valley Bancorp, Inc., Fredonia, Kentucky -- change in bank control. 

- Permitted, October 15, 2001 

St. Louis 

Planters Holding Company, Indianola, Mississippi -- change in bank control. 

- Permitted, October 19, 2001 

Competitive Factors Reports 

Boston 

American Savings Bank, New Britain, Connecticut -- report on competitive factors of the 

proposed merger with American Bank of Connecticut, Waterbury. 

- Submitted, October 15, 2001 

Dallas 

Bank of the West, Irving, Texas -- report on competitive factors of the proposed 

acquisition of the Lewisville branch of Jefferson Heritage Bank, Denton. 

- Submitted, October 17, 2001 

Richmond 

Boston 

Dallas 

Branch Banking and Trust Company of South Carolina, Greenville, South Carolina --

report on competitive factors of the proposed merger with The Southeastern Trust 

Company. 

- Submitted, October 15, 2001 

Compass Bank for Savings, New Bedford, Massachusetts -- report on competitive 

factors of the proposed acquisition of a branch of Charter Bank, Waltham. 

- Submitted, October 15, 2001 

Cypress Bank, FSB, Pittsburg, Texas -- report on competitive factors of the proposed 

acquisition of the Mt. Pleasant branch of Jefferson Heritage Bank, Denton. 

- Submitted, October 18, 2001 

(AC) = Addition or Correction Delegated - Page 3 of 6 
H.2 Actions under delegated authority October 14, 2001 to October 20, 2001 

Competitive Factors Reports 

Atlanta 

First American Bank, Decatur, Alabama -- report on competitive factors of the proposed 

merger with Farmers National Bank of Opelika, Opelika. 

- Submitted, October 17, 2001 

Dallas 

First National Bank of Mount Vernon, Mount Vernon, Texas -- report on competitive 

factors of the proposed acquisition of the Mount Vernon branch of Jefferson Heritage 

Bank, Denton. 

- Submitted, October 19, 2001 

Cleveland 

Foundation Savings Bank, Cincinnati, Ohio -- report on competitive factors of the 

proposed purchase of the deposit liabilities of branch of The Winton Savings and Loan 

Company at 101 West Central Parkway. 

- Submitted, October 19, 2001 

New York 

Metuchen Interim Savings Bank, Metuchen, New Jersey -- report on competitive factors 

of the proposed merger with Metuchen Savings Bank. 

- Submitted, October 19, 2001 

Cleveland 

Northwest Savings Bank, Warren, Pennsylvania -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Ebensburg branch of 

Reliance Savings Bank, Altoona. 

- Submitted, October 19, 2001 

Cleveland 

Peoples Home Savings Bank, Beaver Falls, Pennsylvania -- report on competitive factors 

of the proposed merger with Peoples Interim Savings Banks Numbers 1, 2, and 3. 

- Submitted, October 19, 2001 

(AC) = Addition or Correction Delegated - Page 4 of 6 
H.2 Actions under delegated authority October 14, 2001 to October 20, 2001 

Competitive Factors Reports 

Cleveland 

The Second National Bank and Trust Company, Springfield, Ohio -- report on 

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

Jamestown branch of Fifth Third Bank, Cincinnati. 

- Submitted, October 19, 2001 

Cleveland 

Atlanta 

Dallas 

The Second National Bank of Masontown, Masontown, Pennsylvania -- report on 

competitive factors of the proposed merger with Parkvale Interim Savings Bank, 

Monroeville. 

- Submitted, October 19, 2001 

Southern Community Bank, Fayetteville, Georgia -- report on competitive factors of the 

proposed merger with SCB Interim Corporation. 

- Submitted, October 15, 2001 

Stockmens National Bank in Cotulla, Cotulla, Texas -- report on competitive factors of 

the proposed merger with Stockmens Financial Corp. 

- Submitted, October 17, 2001 

Richmond 

Virginia Financial Corporation, Staunton, Virginia -- report on competitive factors of the 

proposed merger with Virginia Commonwealth Financial Corporation, Culpeper. 

- Submitted, October 18, 2001 

Extensions Of Time 

San Francisco 

Gateway Bancorp, Santa Ana, California -- extension to January 18, 2002, to acquire 

Bank of Lakewood, Lakewood, and Mission Hills Mortgage Corporation, Santa Ana. 

- Granted, October 15, 2001 

(AC) = Addition or Correction Delegated - Page 5 of 6 
H.2 Actions under delegated authority October 14, 2001 to October 20, 2001 

Extensions Of Time 

Chicago 

Lone Tree Service Company, Lone Tree, Iowa -- extension to December 30, 2001, to 

engage de novo in lending activities. 

- Granted, October 15, 2001 

Financial Holding Companies 

St. Louis 

Exchange National Bancshares, Inc., Jefferson City, Missouri, and Union State 

Bancshares, Inc., Clinton -- elections to become financial holding companies. 

- Effective, October 17, 2001 

Richmond 

First United Corporation, Oakland, Maryland -- election to become a financial holding 

company. 

- Effective, October 18, 2001 

Atlanta 

Quantum Capital Corporation, Suwanee, Georgia -- election to become a financial 

holding company. 

- Effective, October 19, 2001 

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

Federal Reserve Bank of Boston
 


Applications and notifications filed during the week ending Saturday, October 13, 2001 
 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding
 


S = Satisfactory
 


NI = Needs to improve
 


SN = Substantial noncompliance
 


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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 2
 

Federal Reserve Bank of New York
 

Applications and notifications filed during the week ending Saturday, October 20, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Representative 

Office 

Banca Comerciala Romana S.A., Bucharest, Romania, to 

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

Newspaper – N/Avail 

Representative 

Office 

Hamburgische Landesbank-Girozentrale, Hamburg, Germany, to 

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

Newspaper – N/Avail 

Branch	 Banque Sudameris, Paris, France, to convert its Miami agency 

into a branch.* 

Newspaper – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding
 

S = Satisfactory
 

NI = Needs to improve
 

SN = Substantial noncompliance
 

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 2001 

Institution Location 

None 
District 3
 

Federal Reserve Bank of Philadelphia
 


Applications and notifications filed during the week ending Saturday, October 20, 2001 
 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch	 	 Founders Bank, Bryn Mawr, PA, to establish a branch office at 

Route 113 & Gordon Drive, Exton, PA. 

N/Avail 

Branch	 	 Bryn Mawr Trust Company, Bryn Mawr, PA, to establish a 

branch office at 404 Cheswich Place, Rosemount, Radnor 

Township, Delaware County, PA. 

N/Avail 

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

Ending date of 

Type Application comment period 

CIC	 	 Albert V. Schulze and Michelle A. Schulze, Orwigsburg, PA, to Fed. Reg. N/Avail 

retain up to 10.05% of the common stock of Union Bancorp, Newspaper: 11/15/2001 

Inc., Pottsville, PA. 

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, October 13, 2001 
 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding
 


S = Satisfactory
 


NI = Needs to improve
 


SN = Substantial noncompliance
 


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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 5
 

Federal Reserve Bank of Richmond
 


Applications and notifications filed during the week ending Saturday, October 20, 2001 
 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

3(a)(1)RN	 	 First Sentry Bancshares, Inc., Huntington, West Virginia, to 

become a bank holding company through the acquisition of 

100% of the voting shares of First Sentry Bank, Inc., 

Huntington, West 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, October 20, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c)	 The Bank, Warrior, Alabama, to merge with Citizens Federal 

Savings Bank of Port St. Joe, Port St. Joe, Florida. 

18(c)	 SunTrust Bank, Atlanta, Georgia, to purchase certain assets and 

assume certain liabilities of certain Florida branches of The 

Huntington National Bank, Columbus, Ohio. 

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

the intersection of Elden Street and Post Drive Herndon, 

Virginia, to be known as the Herndon Safeway In-Store Office. 

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

3713 Lee Highway, Arlington, Virginia, to be known as the 

Cherrydale Safeway In-Store Office. 

11/19/2001* 

N/Avail* 

10/26/2001* 

10/26/2001* 

*Subject to provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

3(a)(1)	 First Southern Bancorp, Statesboro, Georgia, to become a bank 

holding company by acquiring First Southern National Bank, 

Statesboro, Georgia (in organization). 

N/Avail* 

4(c)(8)	 The Banc Corporation, Birmingham, Alabama, to acquire CF 

Bancshares, Inc., and its subsidiary, Citizens Federal Savings 

Bank of Port St. Joe, both of Port St. Joe, Florida, and thereby 

engage in operating a savings association. 

Newspaper* 

11//19/2001* 

*Subject to provisions of the Community Reinvestment Act 
Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

COM	 First Georgia Community Corp., Jackson, Georgia, 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

543637 Equitable Bank 06/04/01 09/13/01 S X 

633 South Federal Hwy 

Fort Lauderdale, Florida 

(305) 705-0563 (amended for the 

week ending September 14, 2001) 
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, October 13, 2001 
 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3(a)(1)	 	 Allied First Bancorp, Inc., Naperville, Illinois, for prior approval 

to become a bank holding company through the acquisition of 

100 percent of the voting shares of Allied First Bank, s.b., 

Naperville, Illinois.* 

3(a)(5)	 	 Associated Banc-Corp., Green Bay, Wisconsin, for prior 

approval to acquire 100 percent of the voting shares of Signal 

Financial Corporation, Mendota Heights, Minnesota and thereby 

indirectly acquire Signal Bank National Association, Eagan, 

Minnesota and Signal Bank South National Association, Red 

Wing, Minnesota.* 

3(a)(5)	 	 Dunlap Iowa Holding Co., Dunlap, Iowa, for prior approval to 

acquire 100 percent of the voting shares of EWN Investments, 

Inc., Ute, Iowa. and thereby indirectly acquire Ute State Bank, 

Ute, Iowa.* 

4(c)(8)	 	 FBOP Corporation, Oak Park, Illinois, for prior approval to 

acquire 100 percent of the voting shares of Bank Plus 

Corporation, Los Angeles, California and thereby indirectly 

acquire Fidelity Federal Bank, FSB, Glendale, California and 

thereby engage in operating a savings association.* 

CC	 	 Notification by Merrill M. Wesemann, of a Change in Control to 

acquire control of First Community Bancshares, Inc., 

Bargersville, Indiana. 

Fed Reg – 10/22/2001 

Newspaper – N/Avail 

Fed Reg – 10/29/2001 

Newspaper – 10/19/2001 

Fed Reg – 11/02/2001 

Newspaper – N/Avail 

Fed Reg – 10/09/2001 

Newspaper – N/Avail 

Fed Reg – 10/19/2001 

Newspaper – 10/16/2001 
Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

3(a)(3)	 	 Herky Hawk Financial Corp., Monticello, Iowa, for prior 

approval to acquire 100 percent of the voting shares of New 

Vienna Savings Bank, New Vienna, Iowa and Casey State Bank, 

Casey, Illinois and to acquire 100 percent of the voting shares 

of Biggsville Financial Corporation, Biggsville, Illinois and 

thereby indirectly acquire First State Bank of Biggsville, 

Biggsville, Illinois.* 

3(a)(1)	 	 Home Federal Bancorp, Seymour, Indiana, for prior approval to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of Home Federal Savings Bank, 

Seymour, Indiana.* 

3(a)(1)	 	 Lincoln Bancorp, Inc., Rochelle, Illinois, for prior approval to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of Lincoln State Bank, S.B., 

Rochelle, Illinois.* 

3(a)(1)	 	 Manito Bank Services, Inc., Manito, Illinois, for prior approval 

to become a bank holding company through the acquisition of 

100 percent of the voting shares of Peoples State Bank, Manito, 

Illinois.* 

Notification by Abdula Family Limited Partnership and certain 

other parties, of a Change in Control of Northern States 

Financial Corporation, Waukegan, Illinois. 

3(a)(3	 	 Northstar Financial Group, Inc., Bad Axe, Michigan, for prior 

approval to acquire 100 percent of the voting shares of Seaway 

Community Bank (in organization), St. Clair, Michigan.* 

3(a)(3)	 	 Piper Holdings, Inc., Covington, Indiana, for prior approval to 

acquire 100 percent of the voting shares of Heritage Bancshares, 

Inc., Darlington, Indiana and thereby indirectly acquire Heritage 

Bank & Trust Company, Darlington, Indiana.* 

3(a)(1)	 	 Sturgis Bancorp, Inc., Sturgis, Michigan, for prior approval to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of Sturgis Bank & Trust Company, 

Sturgis, Michigan.* 

Fed Reg – 10/29/2001 

Newspaper – N/Avail 

Fed Reg – 11/13/2001 

Newspaper – N/Avail 

Fed Reg – 10/26/2001 

Newspaper – N/Avail 

Fed Reg – 11/02/2001 

Newspaper – 10/27/2001 

Fed Reg – 11/01/2001 

Newspaper – N/Avail 

Fed Reg – 10/12/2001 

Newspaper – 10/07/2001 

Fed Reg – 10/26/2001 

Newspaper – 10/26/2001 

Fed Reg – 10/26/2001 

Newspaper – 10/24/2001 

* Subject to the provisions of the Community Reinvestment Act 

CC 
Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4(c)(8)	 	 Associated Banc-Corp., Green Bay, Wisconsin, for prior 

approval to acquire 100 percent of the voting shares of Signal 

Finance Company, Mendota Heights, Illinois and thereby to 

engage in extending credit and servicing loans and selling credit 

life and accident and health insurance in conjunction with 

lending and to acquire 100 percent of the voting shares of Signal 

Trust Company, N.A., Mendota Heights, Minnesota and thereby 

to engage in trust company functions. 

Fed Reg – N/Avail 

4(c)(8)	 	 M.S. Investment Company, Milwaukee, Wisconsin and Mitchell 

Bank Holding Corporation, Milwaukee, Wisconsin, notification 

of intent to continue to engage in extending credit and servicing 

loans. 

Fed Reg – 10/29/2001 

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

Type Application 

3(a)(1) Notice	 	 Dells Bancshares, Inc., Wisconsin Dells, Wisconsin, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of Bank of 

Wisconsin Dells, Wisconsin Dells, Wisconsin. 

Membership	 	 Home Federal Savings Bank, Seymour, Indiana, for prior 

approval to become a member of the Federal Reserve System. 

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
 

Section V – Availability of CRA public evaluations 

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, October 20, 2001 
 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding
 


S = Satisfactory
 


NI = Needs to improve
 


SN = Substantial noncompliance
 


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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

77347	 Community First Bank 

Corydon, Indiana (Formerly named 

English State Bank, English, Indiana) 

2/20/2001 10/16/2001 S X
 


356949	 	 First State Bank of Red Bud 6/18/2001 10/16/2001 S X 

Red Bud, Illinois 

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, October 20, 2001 
 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

CIC 	 Elizabeth L. Kirch to acquire control of State Bancshares of 

Ulen, Inc., Dilworth, Minnesota. 

Fed. Reg. – 11/05/2001 

Newspaper - N/Avail. 

3(a)(3)	 	 Dakota Bancshares, Inc., Mendota Heights, Minnesota, proposes 

to acquire 100% of the voting shares of The Midway National 

Bank of St. Paul, St. Paul, Minnesota.* 

Fed. Reg. – 11/15/2001 

Newspaper – N/Avail. 

*Subject to the provisions of the Community Reinvestment Act. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding
 


S = Satisfactory
 


NI = Needs to improve
 


SN = Substantial noncompliance
 


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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 10
 

Federal Reserve Bank of Kansas City
 


Applications and notifications filed during the week ending Saturday, October 20, 2001 
 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3(a)(1)	 	 Lauritzen Enterprises, Omaha, Nebraska, for prior approval to Newspaper – 11/09/2001 

become a bank holding company through the acquisition of 88.9 Fed Reg – 11/16/2001 

percent of the voting shares of Farmers & Merchants State Bank, 

Bloomfield, Nebraska 

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 

293558 Heritage Bank of Saint Joseph 07/23/2001 10/18/2001 S X 

1701 S. Belt Highway 

Saint Joseph, Missouri 64507-2235 

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, October 13, 2001 
 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3(a)(3)	 	 Texas People National Bancshares, Inc., Paris, TX, to acquire 

Western Dakota Holding Company, Timber Lake, SD, and 

Western Dakota Bank, Timber Lake, SD* (previously reported 

the week ending October 6, 2001) 

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

Bancshares, Inc., Katy, TX Community Bancshares of 

Delaware, Inc., Wilmington, DE, and Community Bank, Katy, 

TX* (previously reported the week ending October 6, 2001) 

3(a)(3)	 	 South Plains Financial, Inc., Lubbock, TX, and South Plains 

Delaware Financial Corporation, Dover, DE, to acquire Zia 

Financial Corporation, Ruidoso, NM, and City Bank New 

Mexico, Ruidoso, NM* (previously reported the week ending 

October 6, 2001) 

3(a)(1)	 	 Zia Financial Corporation, Ruidoso, NM, to acquire City Bank 

New Mexico, Ruidoso, NM* (previously reported the week 

ending October 6, 2001) 

3(a)(1)	 	 National United Bancshares, Inc., Gatesville, TX, to acquire 

National United Holdings, Inc., Wilmington, DE, and National 

Bank, Gatesville, TX* 

3(a)(1)	 	 National United Holdings, Inc., Wilmington, DE, to acquire 

National Bank, Gatesville, TX* 

Fed Reg – 11/02/2001 

Newspaper – 10/27/2001 

Fed Reg – 11/02/2001 

Newspaper – 11/03/2001 

Fed Reg – 10/19/2001 

Newspaper – 10/18/2001 

Fed Reg – 10/19/2001 

Newspaper – 10/18/2001 

Fed Reg – 11/13/2001 

Newspaper – 10/30/2001 

Fed Reg – 11/13/2001 

Newspaper – 10/30/2001 

*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 

1017658 Texas State Bank 

3900 North 10th Street 

06/18/2001 10/13/2001 S X 

McAllen, Texas 78501-1719 

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, October 20, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3(a)(3) Wells Fargo & Company, San Francisco, California, to acquire Newspaper - 11/19/2001 

Texas Financial Bancorporation, Inc., Minneapolis, Minnesota, Fed Reg - 11/19/2001 

and its wholly-owned subsidiary, Delaware Financial, Inc., 

Wilmington, Delaware, and certain bank subsidiaries of 

Marquette Bancshares, Minnneapolis, Minnesota, pursuant to 

section 3(a)(3) of the Bank Holding Company Act.* 

* 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)	 Wells Fargo & Company, San Francisco, California, to engage in Fed Reg - 11/19/2001 

certain nonbanking activities through the acquisition of 

Marquette Financial Group, Inc., Minneapolis, Minnesota, 

pursuant to section 4(c)(8) of the Bank Holding Company Act.* 

* Subject to the provisions of the Community Reinvestment Act 
Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

Waiver	 GBC Bancorp & General Bank, both of Los Angeles, California, 

request for waiver of any Bank Holding Company application 

requirements in connection with the proposed direct and indirect 

acquisition of Liberty Bank and Trust Company, Boston, 

Massachusetts. As a result, Liberty Bank and Trust Company 

will be merged with and into General Bank, Los Angeles, 

California. 

Section V – Availability of CRA public evaluations 

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

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

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

revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding
 

S = Satisfactory
 

NI = Needs to improve
 

SN = Substantial noncompliance
 

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

802866	 Silicon Valley Bank 

3003 Tasman Drive 

Santa Clara, California 95054 

(408) 654-7400 

671464	 California Center Bank 

2222 W. Olympic Blvd. 

Los Angeles, California 

(213) 386-2222 

4/30/2001 10/15/2001 S X 

02/12/2001 10/15/2001 S X 
Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None