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 11, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 5, 2004 to December 11, 2004

Bank Holding Companies

Park National Corporation, Newark, Ohio -- to merge with First Federal Bancorp, Inc., 

Zanesville, and thereby acquire First Federal Savings Bank of Eastern Ohio; and to 

control Century National Bank following the conversion of First Federal Savings Bank of 

Eastern Ohio to a national bank and its merger with Century National Bank.

- Approved, December 6, 2004 

Regulations And Policies

Home Mortgage Disclosure Act -- revisions to the format for the HMDA public 

disclosure tables (Docket No. R-1186).

- Approved, December 7, 2004 

Shared National Credit Data Collection Modernization -- publication for comment of 

interagency proposal to standardize and expand data collection to improve the efficiency 

of SNC examinations.

- Approved, December 6, 2004 

(AC) = Addition or Correction Board - Page 1 of 1
December 5, 2004 to December 11, 2004

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

Adams Bank & Trust, Ogallala, Nebraska -- to establish a branch at 8308 Weld County 

Road 13, Firestone, Colorado.

- Approved, December 10, 2004 

Kansas City

Bank of Sacramento, Sacramento, California -- to establish a branch at 2882 Prospect 

Park Drive, Rancho Cordova.

- Approved, December 9, 2004 

San Francisco

Citizens Bank and Trust Company, Blackstone, Virginia -- to establish a branch at 497 

Southpark Circle, Colonial Heights.

- Approved, December 10, 2004 

Richmond

The Farmers State Bank of Waupaca, Waupaca, Wisconsin -- to establish a branch at 

N560 Highway 110, Fremont.

- Approved, December 8, 2004 

Chicago

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 1619 North Main Street, 

North Canton.

- Approved, December 8, 2004 

Cleveland

SunTrust Bank, Atlanta, Georgia -- to establish branches at 3501 34th Street, St. 

Petersburg, Florida, and 130 Fountain Parkway North.

- Approved, December 7, 2004 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish branches at 6435 Bells Ferry Road, 

Woodstock, and 11449 Tara Boulevard, Hampton.

- Approved, December 9, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority December 5, 2004 to December 11, 2004

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 3971 Brambleton Avenue 

South, Roanoke, Virginia.

- Approved, December 9, 2004 

Atlanta

Tioga State Bank, Spencer, New York -- to establish a branch at 3 South Main Street.

- Approved, December 10, 2004 

New York

Bank Holding Companies

Bank of Choice Holding Company, Evans, Colorado -- to acquire Palisade Bancshares, 

Inc., Palisade, and The Palisades National Bank.

- Approved, December 6, 2004 

Kansas City

DBT Holding Company, Vidalia, Georgia -- to acquire 47.5 percent of DBW 

Technologies, LLC, Atlanta, and thereby engage de novo in data processing activities.

- Approved, December 10, 2004 

Atlanta

FSB Bancshares, Inc., Henderson, Tennessee -- to merge with Friendship Bancshares, 

Inc., Friendship, and thereby acquire Friendship Bank.

- Approved, December 10, 2004 

St. Louis

Georgian Bancorporation, Inc., Powder Springs, Georgia -- relief from a commitment.

- Granted, December 9, 2004 

Atlanta

Logan Investment Corp., Keokuk, Iowa -- to become a bank holding company and to 

acquire State Central Bank.

- Approved, December 9, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority December 5, 2004 to December 11, 2004

Bank Holding Companies

Metropolitan Capital Bancorp, Inc., Chicago, Illinois -- to become a bank holding 

company and to acquire Metropolitan Capital Bank, a de novo bank.

- Approved, December 7, 2004 

Chicago

Monmouth Community Bancorp, Long Branch, New Jersey -- to acquire Allaire 

Community Bank, Sea Girt.

- Approved, December 7, 2004 

New York

Nashua Bancshares, Inc., St. Paul, Minnesota -- to become a bank holding company and 

to acquire First State Bank, Nashua, Iowa, a de novo bank; for FNSB Bancorp, Inc. to 

become a bank holding company and to acquire shares of Nashua Bancshares, Inc. and 

thereby indirectly acquire First State Bank; and for Readlyn Bancshares, Inc., St. Paul, 

Minnesota; Britt Bancshares, Inc., Tripoli Bancshares, Inc., and Ashton Bancshares, Inc. 

to acquire shares of Nashua Bancshares, Inc. and thereby indirectly acquire First State 

Bank.

- Approved, December 7, 2004 

Chicago

Parkway Bancorp, Inc., Harwood Heights, Illinois -- to establish a subsidiary, Parkway 

Financial, Inc., to acquire 49.9 percent of the shares of Parkway Mortgage & Financial 

Center, LLC, Des Moines, Iowa, and thereby engage in residential real estate mortgage 

lending activities.

- Approved, December 9, 2004 

Chicago

Security Pacific Bancorp, Los Angeles, California -- to engage through Network Finance, 

Inc. in single family loan origination services through the acquisition of 51 percent of the 

shares of Security Pacific Home Loans, Pasadena.

- Approved, December 7, 2004 

San Francisco

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority December 5, 2004 to December 11, 2004

Bank Holding Companies

UFJ Holdings, Inc., Tokyo, Japan, and UFJ Bank Limited, Nagoya -- to retain 

approximately 31.1 percent of the shares of UFJ Central Leasing, Nagoya, and thereby 

engage through Central Leasing (U.S.A.), Inc., Florence, Kentucky, in certain leasing 

activities.

- Approved, December 6, 2004 

New York

Wisconsin Bancshares, Inc., Kenosha, Wisconsin -- to become a bank holding company 

and to acquire Bank of Kenosha.

- Approved, December 10, 2004 

Chicago

Bank Mergers

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

liabilities of the Aberdeen branch of Susquehanna Bank, Baltimore.

- Approved, December 9, 2004 

Richmond

Westamerica Bank, San Rafael, California -- commenter's request to extend the comment 

period on the application to merge with National Bank of the Redwoods, Santa Rosa.

- Denied, December 7, 2004 

Secretary

Bank Premises

Orrstown Bank, Shippensburg, Pennsylvania -- to increase its investment in bank 

premises and to establish a branch at 1725 Lincoln Way East, Guilford Township.

- Approved, December 7, 2004 

Secretary

Change In Bank Control

DB Holding Company, Inc., Omaha, Nebraska -- change in bank control.

- Permitted, December 6, 2004 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority December 5, 2004 to December 11, 2004

Change In Bank Control

Williston Holding Company, Williston, Florida -- to retain control of Williston Holding 

Company.

- Permitted, December 7, 2004 

Atlanta

Competitive Factors Reports

Alliance Bank, National Association, Syracuse, New York -- report on competitive 

factors of the proposed merger with HSBC New York Trust Company, New York.

- Submitted, December 9, 2004 

New York

Benjamin Franklin Savings Bank, Franklin, Massachusetts -- report on competitive 

factors of the proposed merger with Chart Bank, A Cooperative Bank, Waltham.

- Submitted, December 9, 2004 

Boston

Citizens Community Bank of Illinois, National Association, Berwyn, Illinois -- report on 

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

liabilities of the Broadview branch of Cole Taylor Bank, Rosemont.

- Submitted, December 8, 2004 

Chicago

Community Bank, DeSoto County, Southaven, Mississippi -- report on competitive 

factors of the proposed merger with Community Bank, Indianola.

- Submitted, December 8, 2004 

Atlanta

First Federal Bank, Roswell, New Mexico -- report on competitive factors of the 

proposed merger with Gallup Federal Savings Bank, Gallup.

- Submitted, December 9, 2004 

Dallas

First Federal of Olathe Bancorp, Inc., Olathe, Kansas -- report on competitive factors of 

the proposed merger with Olathe Interim Bancorp, Inc.

- Submitted, December 6, 2004 

Kansas City

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority December 5, 2004 to December 11, 2004

Competitive Factors Reports

First State Bank of Brownsboro, Brownsboro, Texas -- report on competitive factors of 

the proposed interim merger with Brownsboro Facilitation, Inc.

- Submitted, December 8, 2004 

Dallas

First State Bank, Nashua, Iowa, a de novo bank -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Nashua branch of First 

State Bank, Britt.

- Submitted, December 7, 2004 

Chicago

State Central Interim Bank, Keokuk, Iowa -- report on competitive factors of the 

proposed merger with State Central Bank.

- Submitted, December 9, 2004 

Chicago

Extensions Of Time

First Centralia Bancshares, Inc., Centralia, Kansas -- extension to March 9, 2005, to 

acquire up to 8.3 percent of Morrill Bancshares, Inc., Merriam, and thereby acquire The 

Morrill and Janes Bank and Trust Company; City National Bank, Kilgore, Texas; and 1st 

Bank Oklahoma, Claremore, Oklahoma.

- Granted, December 8, 2004 

Kansas City

Financial Holding Companies

Central Louisiana Capital Corporation, Vidalia, Louisiana -- election to become a 

financial holding company.

- Effective, December 10, 2004 

Dallas

Franklin Bancorp, Inc., Winnsboro, Louisiana -- election to become a financial holding 

company.

- Effective, December 7, 2004 

Dallas

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority December 5, 2004 to December 11, 2004

Financial Holding Companies

Louisiana Community Bancshares, Inc., Kaplan, Louisiana -- election to become a 

financial holding company.

- Effective, December 8, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 7 of 7
District 1 

Federal Reserve Bank of Boston 

Applications and notifications filed during the week ending Saturday, December 11, 2004 

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) GSB, MHC, Greenfield, Massachusetts - request for prior 

approval to become a bank holding company through the 

acquisition of 100% of the voting shares of Greenfield Savings 

Bank, Greenfield, Massachusetts 

Newspaper – N/Avail 

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

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 11, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch Adirondack Bank, Utica, NY to open and occupy a branch office 

located at the University Building, 120 E. Washington Street, 

Syracuse, Onondaga, NY 

Newspaper – 12/29/2004 

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 3 

Federal Reserve Bank of Philadelphia 

Applications and notifications filed during the week ending Saturday, December 11, 2004 

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 4 

Federal Reserve Bank of Cleveland 

Applications and notifications filed during the week ending Saturday, December 11, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

*Branch Community Trust Bank, Inc., Pikeville, KY to establish a branch 

at 470 North Mayo Trail, Paintsville, KY. 

Newspaper – 11/25/2004 

*Branch Heartland Bank, Gahanna, OH to establish a branch at 67 

Stygler Road, Gahanna, OH. 

Newspaper – 11/23/2004 

*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 First Quarter of 2005 

Institution Location

Croghan Colonial Bank 323 Croghan Street 

Fremont, Ohio 43420 

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances. 
District 5 

Federal Reserve Bank of Richmond 

Applications and notifications filed during the week ending Saturday, December 11, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch The Bank of Currituck, Moyock, North Carolina, to establish 

a branch at Southern Shores Marketplace, 5 Juniper Trail, 

Southern Shores, North Carolina.* 

Newspaper – 12/13/2004 

Branch The First Bank and Trust Company, Lebanon, Virginia, to 

establish a branch at 150 West Main Street, Wytheville, 

Virginia.* 

Newspaper – 12/20/2004 

18(c) Bank of Tazewell County, Tazewell, Virginia, to purchase 

the assets and assume the liabilities of the Tazewell, and 

Cedar Bluff, Virginia, branch offices of Planters Bank & 

Trust Company of Virginia, Staunton, Virginia.* 

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

3(a)(5) The South Financial Group, Inc., Greenville, South Carolina, 

for prior approval to acquire Pointe Financial Corporation, 

Boca Raton, Florida.* 

Fed Reg – 01/10/2005 

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

25A Wachovia Bank, National Association, Charlotte, North 

Carolina, to voluntarily liquidate its Edge act Corporation, 

First Fidelity International Bank, and Wachovia Bank, 

National Association to establish an Agreement Corporation, 

Cardinal International Leasing, LLC 

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, December 11, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

18(c) IBERIABANK, Lafayette, Louisiana, to merge with American 

Horizons Bank, Monroe, Louisiana.* 

Newspaper – 12/27/2004 

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

located at 1203 Governors Square Boulevard, Tallahassee, 

Florida.* 

Newspaper – 12/14/2004 

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

Atlantic Boulevard and Girvin Road, Jacksonville, Florida, to be 

known as the Atlantic Woods Branch.* 

Newspaper – 12/09/2004 

*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

CIC LandMark Financial Holding Company, Sarasota, Florida, prior 

change in control notification filed by Gerald L. Pennington 

Trust, Gerald Lee Pennington as trustee, Margaret A. 

Pennington Trust, and Margaret Angela Pennington as trustee, 

all of Osprey, Florida, to collectively acquire .52 percent of the 

outstanding shares of LandMark Financial Holding Company, 

and its subsidiary, LandMark Bank of Florida, both of Sarasota, 

Florida. Total pro forma ownership interest will be 11.39 

percent. 

Newspaper – N/Avail 

Fed Reg – N/Avail 

CIC Transatlantic Bank, Miami, Florida, after-the-fact change in 

control notice filed by Evan R. Marbin, North Miami Beach, 

Florida, individually and as trustee of The SEE Trust, Miami, 

Florida, The SEE Trust, Miami, Florida, and Sherrie Marbin, 

North Miami Beach, Florida, to retain 19.50 percent of the 

outstanding shares of Transatlantic Bank, Miami, Florida. 

Newspaper – N/Avail 

Fed Reg – 12/29/2004 
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of 

comment period

CIC TCB Bancshares, Inc., Crawford, Georgia, prior change in 

control notice filed by Mr. Charles C. Brooks, Crawford, 

Georgia, to acquire an additional 2.2 percent of the outstanding 

shares of TCB Bancshares, Inc., and its subsidiary, The 

Commercial Bank, both of Crawford, Georgia. Total ownership 

will equal 23.64 percent. 

Newspaper – 12/22/2004

Fed Reg – 12/27/2004 

CIC Valley Bancshares, Inc., Russellville, Alabama, after-the-fact 

change in control notice filed by the group composed of the 

following (1) Rogers Investments, LP, Russellville, Alabama, 

with Dianne Rogers Barnes, Marietta, Georgia, and Robert Isaac 

Rogers, Jr., Russellville, Alabama, as general partners; (2) 

Rogers Family Holdings, LLC, Russellville, Alabama, with 

Dianne Rogers Barnes and Robert Isaac Rogers, Jr., as 

managers, and whose members include the two managers and 

Anne C. Rogers, Russellville, Alabama, the R.I. Rogers, Sr. 

Marital Trust GST Non-Exempt, the Robert I. Rogers, Sr. GST 

Exempt Family Trust, and the Robert I. Rogers, Sr. Marital 

Trust GST Exempt, with Robert Isaac Rogers, Jr., and Dianne 

Rogers Barnes serving as trustees of the trusts; and (3) Robert 

Isaac Rogers, Jr., and (4) Dianne Rogers Barnes; to collectively 

retain 52.09 percent of the outstanding shares of Valley 

Bancshares, Inc., and its subsidiary, Valley State Bank, both of 

Russellville, Alabama. 

Newspaper – 12/14/2004

Fed Reg – 12/20/2004 

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 7 

Federal Reserve Bank of Chicago 

Applications and notifications filed during the week ending Saturday, December 11, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

18C Rockford Bank and Trust Company (in organization), Rockford, 

Illinois, to purchase the assets and assume the liabilities of the 

Rockford, Illinois branch of Quad City Bank and Trust 

Company, Bettendorf, Iowa.* 

Newspaper – 12/10/2004 

* 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) American Central Bancorporation, Inc., Springfield, Illinois, to 

acquire 100 percent of the voting shares of American Central 

Financial Group, Inc., Springfield, Illinois, and thereby 

indirectly acquire The Bank, Charleston, Illinois, and Farmers 

State Bank of Fulton County, Lewistown, Illinois.* 

Fed Reg – 01/10/2005 

Newspaper – N/Avail 

3(a)(3) Main Street Trust, Inc., Champaign, Illinois, to acquire 100 

percent of the voting stock of Citizens First Financial Corp., 

Bloomington, Illinois, and thereby indirectly acquire Citizens 

Savings Bank, Bloomington, Illinois.* 

Fed Reg – 01/03/2005 

Newspaper – N/Avail 

3(a)(3) QCR Holdings, Inc., Moline, Illinois, to acquire 100 percent of 

Rockford Bank and Trust Company (in organization), Rockford, 

Illinois.* 

Fed Reg – 12/10/2004 

Newspaper – 12/10/2004 

* 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

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

Type Application

Membership Rockford Bank and Trust Company (in organization), Rockford, 

Illinois, 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 

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 11, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch Arvest Bank, Fayetteville, Arkansas, to establish a branch 

facility to be located at the intersection of Northeast 

Flowermound Road and Gore Boulevard, Lawton, Oklahoma. 

Newspaper – 12/22/2004 

Branch Peoples Bank & Trust Co., Troy, Missouri, to establish a branch 

facility to be located at 106 S. Main Street, Elsberry, Missouri. 

Newspaper – 12/23/2004 

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

Type Application

Ending date of 

comment period

CIC Notice by Martin B. Rowe, Harrisburg, Illinois, individually and 

as a member of the Rowe Family Control Group to gain control 

of First Eldorado Bancshares, Inc., Eldorado, Illinois. The 

control will consist of Martin B. Rowe, the Burt H. Rowe, Jr. 

Marital Trust and the Anne Rowe Family Trust, all of 

Harrisburg, Illinois; Marianna R. Deal, Rachelle L. Rowe, and 

Caroline C. Rowe, all of St. Louis, Missouri; and Anne Rowe, 

Destin, Florida. 

Newspaper – N/Avail 

Fed Reg – 01/03/2005 

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 

630041 First State Bank of Dongola 

Dongola, Illinois 

08/16/2004 12/07/2004 S X 

486248 Fayette County Bank 

St. Elmo, Illinois 

08/23/2004 12/06/2004 S X 

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 11, 2004 

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) Maximum Holding International, Inc., Brooklyn Park, 

Minnesota, to become a bank holding company by acquiring 100 

percent of First Security Bank - Sanborn, Sanborn, Minnesota.* 

Fed Reg – 12/20/2004 

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. 

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 11, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch High Plains Bank, Flagler, Colorado, to establish a branch at 

3000 Youngfield Street, Suite 338, Lakewood, Colorado. 

Newspaper – 12/17/2004 

Branch The Guarantee State Bank, Lawton, Oklahoma, to establish a 

branch at 702 N.W. Sheridan Road, Lawton, Oklahoma. 

Newspaper – 12/25/2004 

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

Type Application

Ending date of 

comment period

CIC Notification by Charles W. Masner and Ella C. Masner, both of 

Anthony, Kansas, to acquire control of Olathe Bancorporation, 

Inc., parent of Olathe State Bank, both in Olathe, Colorado. 

Newspaper – 12/29/2004

Fed Reg – 12/29/2004 

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 11 

Federal Reserve Bank of Dallas 

Applications and notifications filed during the week ending Saturday, December 11, 2004 

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) SBT Bancshares, Inc., Irving, TX, and 

SBT Bancshares of Delaware, Inc., Wilmington, DE, to acquire 

State Bank of Texas, Irving, TX* 

(previously reported the week ending December 4, 2004) 

Fed Reg – 01/06/2005 

Newspaper – 01/02/2005 

3(a)(1) SBT Bancshares of Delaware, Inc., Wilmington, DE, to acquire 

State Bank of Texas, Irving, TX* 

(previously reported the week ending December 4, 2004) 

Fed Reg – 01/06/2005 

Newspaper – 01/02/2005 

3(a)(1) FC Holdings, Inc., Houston, TX, and 

First Community Holdings of Delaware, Inc., Wilmington, DE, 

to acquire First Community Bank San Antonio, National 

Association, San Antonio, TX* 

Fed Reg – 01/10/2005 

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 12 

Federal Reserve Bank of San Francisco 

Applications and notifications filed during the week ending Saturday, December 11, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch 1st Pacific Bank of California, San Diego, California, to establish 

a branch facility at 13500 Evening Creek Drive N., Suite 100, 

San Diego, California. * 

Newspaper – 12/10/2004 

Representative 

Office 

Nacional Financiera, S.N.C., Mexico City, Mexico, to establish 

a representative office in Los Angeles, California. 

Newspaper – 11/12/2004 

* 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) Westamerica Bancorporation, San Rafael, California, to merge 

with Redwood Empire Bancorp, Santa Rosa, California, and 

thereby indirectly acquire National Bank of the Redwoods, 

Santa Rosa, California. * 

Newspaper – 01/07/2005

Fed Reg – 12/27/2004 

* 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

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 

843270 Community First Bank 

555North West Third Street 

Prineville, Oregon 97754 

(541) 447-4016 

08/16/2004 12/05/2004 S X 

The above listing has been prepared as a courtesy by the Federal Reserve Bank of San Francisco, and is not 

intended to replace formal notices required by statute or regulation; the Reserve Bank assumes no responsibility 

for errors or omissions. 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None