Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 48

Week Ending November 29, 2003

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions November 23, 2003 to November 29, 2003

Bank Holding Companies

S&T Bancorp, Inc., Indiana, Pennsylvania -- to acquire shares of CBT Financial Corp., 

Clearfield, and thereby acquire an interest in Clearfield Bank & Trust Company and to 

acquire shares of IBT Bancorp, Inc., Irwin, and thereby acquire an interest in Irwin Bank 

& Trust Company.

- Approved, November 25, 2003 

Regulations And Policies

Consumer Disclosure Standards -- request for comment on proposed amendments to 

Regulations Z (Truth in Lending), B (Equal Credit Opportunity), E (Electronic Fund 

Transfers), M (Consumer Leasing), and DD (Truth in Savings) to define more specifically 

the standard for providing clear and conspicuous disclosures to consumers and to make 

the standard uniform among those regulations; and proposed additional amendments to 

Regulation Z and the staff commentary (Docket Nos. R-1167 to R-1171).

- Approved, November 24, 2003 

Regulation Y -- final rule expanding the ability of bank holding companies to engage in 

nonfinancial data processing activities (Docket No. R-1092).

- Approved, November 24, 2003 

Enforcement

The Bank of Currituck, Moyock, North Carolina -- consent order of assessment of a civil 

money penalty.

- Announced, November 26, 2003 

Provident Bank, Cincinnati, Ohio -- consent order of assessment of a civil money penalty.

- Announced, November 26, 2003 

(AC) = Addition or Correction Board - Page 1 of 1
November 23, 2003 to November 29, 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

AmSouth Bank, Birmingham, Alabama -- to establish a branch at 5455 Tara Boulevard, 

Bradenton, Florida.

- Approved, November 26, 2003 

Atlanta

Marquette Bank, Chicago, Illinois -- to establish branches at 10000 West 151st Street, 

Orland Park, and 1876 West Airport Road, Romeoville.

- Approved, November 26, 2003 

Chicago

RBC Centura Bank, Rocky Mount, North Carolina -- to establish branches at 3645 

Clemmons Road, Clemmons; 741 Westinghouse Boulevard, Charlotte; 14400 New Falls 

of Neuse Road, Raleigh; and 4 Pope Avenue, Hilton Head, South Carolina.

- Approved, November 26, 2003 

Secretary

Regions Bank, Birmingham, Alabama -- to establish a branch at 4900 Falls of Neuse 

Road, Raleigh, North Carolina.

- Approved, November 24, 2003 

Atlanta

Sand Ridge Bank, Highland, Indiana -- to establish a branch at County Road 350 South 

and Concord Road, Lafayette.

- Approved, November 26, 2003 

Chicago

The Savings Bank and Trust, Wadsworth, Ohio -- to establish a branch at 3333 

Massillon Road, Green.

- Approved, November 25, 2003 

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority November 23, 2003 to November 29, 2003

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish branches at 13502 West Colonial Drive, 

Winter Garden, Florida, and 10575 Narcoosee Road, Orlando.

- Approved, November 26, 2003 

Secretary

Bank Holding Companies

Citizens Bancorp of Virginia, Inc., Blackstone, Virginia -- to become a bank holding 

company through the acquisition of Citizens Bank and Trust Company.

- Approved, November 24, 2003 

Richmond

City Bancorp, Springfield, Missouri -- to acquire an interest in Mobius Technology 

Consulting Group, LLC, and thereby engage in management consulting and data 

processing activities.

- Approved, November 24, 2003 

St. Louis

Cornerstone Financial Services, Inc., West Union, West Virginia -- to become a bank 

holding company through the acquisition of First National Bank in West Union.

- Approved, November 26, 2003 

Richmond

First National Banc, Inc., Saint Marys, Georgia -- to acquire First National Bank, Orange 

Park, Florida.

- Approved, November 28, 2003 

Atlanta

Partners Financial Holdings, Inc., Glen Carbon, Illinois -- to become a bank holding 

company through the acquisition of Partners Bank.

- Approved, November 25, 2003 

St. Louis

Synovus Financial Corp., Columbus, Georgia -- to acquire Synovus Bank of Jacksonville, 

Jacksonville, Florida, a de novo bank.

- Withdrawn, November 25, 2003 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority November 23, 2003 to November 29, 2003

Bank Holding Companies

Vision Bancshares, Inc., Gulf Shores, Alabama -- commitment waiver request.

- Withdrawn, November 25, 2003 

Atlanta

Banks, Foreign

Macquarie Bank Limited, Sydney, Australia -- to establish representative offices in New 

York, New York, and Houston, Texas.

- Approved, November 26, 2003 

Director, BS&R

Change In Bank Control

Provincial Corp., Lakeville, Minnesota -- change in bank control.

- Permitted, November 26, 2003 

Minneapolis

Competitive Factors Reports

Community Bank, National Association, Carmichaels, Pennsylvania -- report on 

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

liabilities of two Pittsburgh branches of First National Bank of Pittsburgh, Hermitage.

- Submitted, November 28, 2003 

Cleveland

PNC Bank, National Association, Pittsburgh, Pennsylvania -- report on competitive 

factors of the proposed merger with United Trust Bank, Bridgewater, New Jersey.

- Submitted, November 28, 2003 

Cleveland

Poweshiek County Savings Bank, Brooklyn, Iowa -- report on competitive factors of the 

proposed merger with Gibson Savings Bank, Gibson.

- Submitted, November 25, 2003 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority November 23, 2003 to November 29, 2003

Competitive Factors Reports

Summit Federal Savings and Loan Association, Summit, New Jersey -- report on 

competitive factors of the proposed merger with Summit Interim Savings Banks I and II 

as part of a reorganization.

- Submitted, November 26, 2003 

New York

Third Federal Savings & Loan Association, Cleveland, Ohio -- report on competitive 

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

DeepGreen Bank, Seven Hills.

- Submitted, November 28, 2003 

Cleveland

Union Bank of California, National Association, San Francisco, California -- report on 

competitive factors of the proposed merger with Business Bank of California, San 

Bernardino.

- Submitted, November 25, 2003 

Secretary

Extensions Of Time

Hinsbrook Bancshares, Inc., Willowbrook, Illinois -- extension to February 12, 2004, to 

engage de novo in extending credit and servicing loans.

- Granted, November 26, 2003 

Chicago

Texas State Bank, McAllen, Texas -- extension to January 29, 2004, to establish a 

branch at 2314 West University Drive, Edinburg.

- Granted, November 25, 2003 

Dallas

Membership

First Bradenton Bank, Bradenton, Florida -- membership in the Federal Reserve System.

- Approved, November 25, 2003 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority November 23, 2003 to November 29, 2003

Membership

SpiritBank, Tulsa, Oklahoma -- request to waive the six months' notice of withdrawal 

from membership in the Federal Reserve System.

- Granted, November 25, 2003 

Kansas City

(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, November 29, 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) Ponkapoag Bancorp, MHC and Massapoag Bancorp, Inc., both 

of Canton, Massachusetts - to become a mutual bank holding 

company and a stock bank holding company, respectively, 

through the acquisition of The Canton Institution for Savings, 

The Bank of Canton, Canton, Massachusetts

Newspaper - 12/24/2003

Fed Reg – 12/29/2003

Section III – Applications subject to Fe deral 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, November 29, 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 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, November 29, 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, November 29, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Application by Western Reserve Bank, Medina, Ohio, to 

establish a branch at 8747 Brecksville Road, Brecksville, Ohio.

Newspaper - 11/17/2003

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, Minneapolis, and thereby indirectly 

acquire Allegiant Bank, St. Louis, Minneapolis, and thereby 

engage in permissible nonbank activities, pursuant to sections 

3(a)(5) and 4(c)(8) of the Bank Holding Company Act.

Newspaper - 11/23/2003

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

Investment Prior notice by Key Equipment Finance International, Inc., 

Superior, Colorado (an indirect subsidiary of KeyBank, NA and 

KeyCorp, Inc., a financial holding company, both located in 

Cleveland, Ohio) of its intent to invest (1) up to an additional 

$1,300,000 in its wholly-owned subsidiary, Key Equipment 

Finance Australia Pty. Limited, North Sydney, Australia and (2) 

up to an additional $700,000 in its wholly-owned subsidiary, 

Key Equipment Finance Espana, S.A., Madrid, Spain, pursuant 

to section 211.9(f) of Regulation K.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, November 29, 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 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

2751977 Albemarle First Bank

1265 Seminole Trail

Charlottesville, Virginia 22901

09/08/2003 11/23/2003 S X

2253891 Capital One Bank

11011 West Broad Street

Glen Allen, Virginia 23060

04/28/2003 11/26/2003 O LP*

*Limited Purpose Bank.

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, November 29, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at 1112 East Las Olas Boulevard, Ft. Lauderdale, 

Florida.*

Newspaper-12/02/2003

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

located at 4949 Ridgemoor Boulevard, Palm Harbor, Florida, to 

be known as the Ridgemoor Office.*

Newspaper-12/06/2003

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

551 Sam Ridley Parkway West, Smyrna, Tennessee, to be 

known as the Sam Ridley Parkway Office.*

Newspaper-12/05/2003

*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) Alabama National BanCorporation, Birmingham, Alabama, to 

merge with Indian River Banking Company, and thereby acquire 

its subsidiary, Indian River National Bank, both of Vero Beach, 

Florida.*

Newspaper-N/Avail 

Fed Reg-12/15/2003

CIC CenterState Banks of Florida, Inc., Winter Haven, Florida, prior 

change in control notice by Lawrence Wayne Maxwell, Anita 

Kay Maxwell, and Lawrence Todd Maxwell, all of Lakeland, 

Flordia, to collectively acquire an additional 10.12 percent of the 

outstanding shares of CenterState Banks of Florida, Inc., and its 

subsidiary, CenterState Bank of Florida, both of Winter Haven, 

Florida. Total ownership will equal 19.90 percent.

Newspaper-N/Avail 

Fed Reg-12/18/2003

3(a)(1) Signature Financial Holdings, Inc., St. Petersburg, Florida, to 

become a bank holding company by acquiring 100 percent of the 

outstanding shares of Signature Bank, St. Petersburg, Florida.*

Newspaper-N/Avail 

Fed Reg-12/29/2003
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) Sterling BancGroup, Inc., Lantana, Florida, to acquire Sterling 

Bank, Lantana, Florida, upon its conversion from a federal 

savings bank to a commercial bank.*

Newspaper-12/04/2003

Fed Reg-12/05/2003

*Subject to 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

3(a)(1) Alliance Bancshares, Inc., Dalton, Georgia, notice to become a 

bank holding company by acquiring Alliance National Bank, 

Dalton, Georgia.

3(a)(1) Eagle National, Inc., Stockbridge, Georgia, notice to become a 

bank holding company by acquiring Eagle National Bank, 

Stockbridge, Georgia .

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

470836 Farmers & Merchants

201 West Main Street

Centre, Alabama 35960

(256) 927-3691

07/14/2003 11/26/2003 S X

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, November 29, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

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

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section II – Applications subject to both ne wspaper and Federal Register notice

Type Application

Ending date of

comment period

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 – N/Avail

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 – N/Avail

3(a)(1) Valley Financial Group, Ltd., Saginaw, Michigan, to become a 

bank holding company through the acquisition of 100 percent of 

the voting shares of 1st State Bank (in organization), Saginaw, 

Michigan.*

Fed Reg – 12/26/2003

Newspaper – 12/11/2003
Section II – Applications subject to both ne wspaper and Federal Register notice

Type Application

Ending date of

comment period

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, November 29, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C Exchange Bank of Northeast Missouri, Kahoka, Missouri, to 

purchase the assets and assume the liabilities of the Lancaster, 

Queen City, and Shelbyville, Missouri branches of Bank 

Midwest, N.A., Kansas City, Missouri.*

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

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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, November 29, 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

*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 Connie Sue Hoff, Curtis Robert Sheely, and Brian 

Dean Wolff all of Adams, Minnesota to gain control of Adams 

Bancshares, Inc., Adams, Minnesota, and thereby indirectly gain 

control of Farmers State Bank of Adams, Adams, Minnesota.

Fed Reg-12/15/2003 

Newspaper – N/Avail

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

3(a)(1) Gateway Bancorporation, Minneapolis, Minnesota, to become a 

bank holding company by acquiring 100 percent of Gateway 

Bank, Mendota Heights, Minnesota, a de novo bank.*

Fed Reg – 12/19/2003 

Newspaper – N/Avail

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Fe deral 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, November 29, 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)(3) SSB Management LLC, Wilber, Nebraska, to acquire an 

additional 27.78 percent, for a total of 50 percent of the voting 

shares of Wilber Co., Wilber, Nebraska, parent of Saline State 

Bank, Wilber, Nebraska.

Newspaper - N/Avail 

Fed Reg - 12/15/2003

CIC Notice by John H. Bergmeyer, Lincoln, Nebraska, to acquire 

control of SSB Management LLC, Wilber, Nebraska, parent of 

Wilber Co., Wilber, Nebraska, which is the parent of Saline 

State Bank, Wilber, Nebraska.

Newspaper - N/Avail 

Fed Reg - 12/05/2003

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Exchange Company, Gibbon, Nebraska, to engage in lending 

activities through the acquisition of the assets of Ace Sales, Inc., 

Deshler, Kansas.

Fed Reg - 12/19/2003

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

Type Application

None
Section V – Availability of CRA public evaluations

The Community iement 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

913856 Pinnacle Bank

1200 Golden Gate Drive

Papillion, Nebraska 68046-2838

08/18/2003 11/27/2003 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, November 29, 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

Member 

Withdrawal

Plaza Bank, San Antonio, TX, request to voluntarily withdraw 

from membership in 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

973364 HCSB State Banking Association

201 West 6th

Plainview, Texas 79073-8005

08/25/2003 12/01/2003 S X

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, November 29, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C & Branch North Valley Bank, Redding, California, to merge with Six 

Rivers Bank, Eureka, California, and to acquire eight Northern 

California branch offices of Six Rivers Bank.*

Newspaper – 11/26/2003

* 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)(3) Five Star Bancorp, Rocklin, California, to acquire 100 percent of 

Five Star Bank Natomas, Sacramento, California, a state 

nonmember bank in organization.*

Newspaper – 12/14/2003 

Fed Reg – 12/15/2003

* 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

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None