H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 31 

Week Ending July 30, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions July 24, 2005 to July 30, 2005 

Bank Holding Companies 

Sixth Bancshares, Inc., Salina, Kansas -- to become a bank holding company and to 

acquire Geneseo Bancshares, Inc., Geneseo, and its subsidiary, Citizens State Bank. 

- Approved, July 29, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority July 24, 2005 to July 30, 2005 

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

C&CA Consumer and Community Affairs IF International Finance 

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

Bank Branches, Domestic 

New York 

Banco Popular North America, New York, New York -- to establish a branch at 

4765 West Cermak Road, Chicago, Illinois. 

- Approved, July 29, 2005 

St. Louis 

The Callaway Bank, Fulton, Missouri -- to establish a branch at Lot 1 of Eastport 

Plat 1-A, Columbia. 

- Withdrawn, July 26, 2005 

Chicago 

Citizens Bank, Flint, Michigan -- to establish a branch at 20560 Haggerty Road, 

Northville. 

- Approved, July 29, 2005 

San Francisco 

County Bank, Merced, California -- to establish a branch at the intersection of 

Oakdale and Claribel Roads, Riverbank. 

- Approved, July 27, 2005 

Secretary 

FirsTier Bank, Wyoming, Upton, Wyoming -- to establish a branch at 1508 

Stillwater Avenue, Cheyenne. 

- Approved, July 29, 2005 

Richmond 

Monarch Bank, Chesapeake, Virginia -- to establish a branch at 4216 Virginia 

Beach Boulevard, Virginia Beach. 

- Approved, July 27, 2005 

Chicago 

Paramount Bank, Farmington Hills, Michigan -- to establish a branch at 39600 

Garfield Road, Clinton Township. 

- Approved, July 26, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 7 
H.2 Actions under delegated authority July 24, 2005 to July 30, 2005 

Bank Branches, Domestic 

Chicago 

Premier Bank, Dubuque, Iowa -- to establish a branch at 1975 John F. Kennedy 

Road. 

- Approved, July 26, 2005 

Richmond 

Rockingham Heritage Bank, Harrisonburg, Virginia -- to establish a branch at the 

intersection of Main Street and Springbrook Road, Broadway. 

- Approved, July 27, 2005 

Chicago 

Southwest Bank of St. Louis, St. Louis, Missouri -- to establish a branch at the 

intersection of Winghaven Boulevard and Technology Drive, O'Fallon. 

- Approved, July 27, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 5420 Cormorant 

Avenue, Naples, Florida. 

- Approved, July 27, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 5300 Ocean Shore 

Boulevard, Palm Coast, Florida. 

- Approved, July 28, 2005 

Dallas 

Texas State Bank, McAllen, Texas -- to establish a branch at 4200 Montrose 

Boulevard, Houston. 

- Approved, July 29, 2005 

Secretary 

Wesbanco Bank, Inc., Wheeling, West Virginia -- to establish a branch at 2359 East 

Main Street, Bexley, Ohio. 

- Approved, July 29, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 7 
H.2 Actions under delegated authority July 24, 2005 to July 30, 2005 

Bank Holding Companies 

Secretary 

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

Springs, New York -- to acquire additional shares of 473 Broadway Holding 

Corporation and of The Adirondack Trust Company. 

- Approved, July 28, 2005 

Chicago 

AztecAmerica Financial Group, Inc., Berwyn, Illinois -- to become a bank holding 

company and to acquire AztecAmerica Bank, a de novo bank. 

- Approved, July 28, 2005 

Boston 

Boston Private Financial Holdings, Inc., Boston, Massachusetts -- to acquire an 

additional interest in Bingham, Osborn & Scarborough, LLC, San Francisco, 

California. 

- Approved, July 29, 2005 

Atlanta 

CNLBancshares, Inc., Orlando, Florida -- to acquire CNLBank, First Coast, 

Jacksonville, a de novo bank. 

- Approved, July 29, 2005 

San Francisco 

Discovery Bancorp, San Marcos, California -- to acquire Celtic Capital 

Corporation, Santa Monica, and thereby engage in extending credit and servicing 

loans. 

- Approved, July 29, 2005 

St. Louis 

First Arkansas BancShares, Inc., Jacksonville, Arkansas -- to merge with Lake 

Hamilton Enterprises, Inc., Little Rock, and thereby acquire First Team Bank, 

Heber Springs, and to engage in data processing activities. 

- Approved, July 28, 2005 

Atlanta 

First Security Group, Inc., Chattanooga, Tennessee -- to acquire Jackson Bank & 

Trust, Gainesboro. 

- Approved, July 28, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 7 
H.2 Actions under delegated authority July 24, 2005 to July 30, 2005 

Bank Holding Companies 

New York 

Fubon Financial Holding Co., Ltd., Taipei, Taiwan -- to engage in certain limited 

securities activities through its subsidiaries, Fubon Securities USA LLC, Pasadena, 

California, and Fubon Asset Management USA LLC. 

- Approved, July 25, 2005 

Director, BS&R 

Marquette Financial Companies, Minneapolis, Minnesota -- relief from certain 

commitments. 

- Granted, July 28, 2005 

Change In Bank Control 

Dallas 

1st Choice Bancorp, Inc., Houston, Texas -- to retain control of 1st Choice Bancorp, 

Inc. 

- Permitted, July 25, 2005 

Kansas City 

Durant Bancorp, Inc., Durant, Oklahoma -- to retain control of Durant Bancorp, Inc. 

- Permitted, July 29, 2005 

Chicago 

The First State Bank of Bourbon, Indiana, Bourbon, Indiana -- change in bank 

control. 

- Withdrawn, July 27, 2005 

Atlanta 

Tattnall Bancshares, Inc., Reidsville, Georgia -- change in bank control. 

- Permitted, July 29, 2005 

Dallas 

Van Alstyne Financial Corporation, Van Alstyne, Texas -- to retain control of Van 

Alstyne Financial Corporation and thereby acquire Texas State Bank and Van 

Alstyne Nevada Financial Corporation, Reno, Nevada. 

- Permitted, July 25, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 7 
H.2 Actions under delegated authority July 24, 2005 to July 30, 2005 

Competitive Factors Reports 

New York 

American Bank of New Jersey, Bloomfield, New Jersey -- report on competitive 

factors of the proposed mergers with American Interim Banks 1, 2, and 3. 

- Submitted, July 27, 2005 

Chicago 

Citizens First Savings Bank, Port Huron, Michigan -- report on competitive factors 

of the proposed merger with Metrobank, Farmington Hills. 

- Submitted, July 26, 2005 

Chicago 

Community State Bank, Norwalk, Wisconsin -- report on competitive factors of the 

proposed merger with its investment subsidiary, Community Securities Corporation. 

- Submitted, July 26, 2005 

Kansas City 

Equitable Financial Corp., Grand Island, Nebraska, and Equitable Financial MHC -- 

report on competitive factors of the proposed acquisition of Equitable Federal 

Savings Bank of Grand Island in connection with a corporate reorganization. 

- Submitted, July 26, 2005 

Cleveland 

FDS Bank, Mason, Ohio -- report on competitive factors of the proposed merger 

with May National Bank of Ohio, Lorain. 

- Submitted, July 25, 2005 

St. Louis 

First State Bank, Southwest Indiana, Tell City, Indiana -- report on competitive 

factors of the proposed merger with Peoples Community Bank. 

- Submitted, July 28, 2005 

Cleveland 

Greenville Federal Savings and Loan Association, Greenville, Ohio -- report on 

competitive factors of the proposed mergers with Greenville Federal Interim One 

and Greenville Federal Interim Two as part of the conversion and reorganization of 

Greenville Federal MHC. 

- Submitted, July 25, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 7 
H.2 Actions under delegated authority July 24, 2005 to July 30, 2005 

Competitive Factors Reports 

Chicago 

Mitchell Bank, Milwaukee, Wisconsin -- report on competitive factors of the 

proposed merger with its subsidiary, MBH Investment Corporation. 

- Submitted, July 26, 2005 

New York 

Monmouth Community Bank, National Association, Long Branch, New Jersey -- 

report on competitive factors of the proposed merger with Allaire Community Bank, 

Sea Girt. 

- Submitted, July 26, 2005 

Cleveland 

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

the proposed merger with Equinox Bank, FSB, Pembroke Pines, Florida. 

- Submitted, July 25, 2005 

Boston 

Putnam Savings Bank, Putnam, Connecticut -- report on competitive factors of the 

proposed acquisition of certain assets and assumption of certain liabilities of the 

Plainfield, Griswold, and Gales Ferry branches of People's Bank, Bridgeport. 

- Submitted, July 26, 2005 

Dallas 

Wells Fargo Bank, National Association, Sioux Falls, South Dakota -- report on 

competitive factors of the proposed merger with First Community Bank, National 

Association, Houston, Texas. 

- Submitted, July 28, 2005 

Extensions Of Time 

Atlanta 

Regions Bank, Birmingham, Alabama -- extension to August 27, 2006, to establish 

a branch on Highway 124 north of Ronald Reagan Parkway, Snellville, Georgia. 

- Granted, July 27, 2005 

(AC) = Addition or Correction Delegated - Page 6 of 7 
H.2 Actions under delegated authority July 24, 2005 to July 30, 2005 

Extensions Of Time 

Atlanta 

Regions Bank, Birmingham, Alabama -- extension to August 31, 2006, to establish 

a branch at the intersection of Forum Drive and Marketplace Common, Columbia, 

South Carolina. 

- Granted, July 27, 2005 

Atlanta 

Sterling Bank, Lantana, Florida -- extension to August 24, 2006, to establish a 

branch at 550 Southeast 9th Street, Delray Beach. 

- Granted, July 27, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- extension to October 31, 2005, to establish a 

branch at the intersection of Riverside Parkway and Lansdowne Boulevard, 

Leesburg, Virginia. 

- Granted, July 27, 2005 

International Operations 

Secretary 

Citigroup Inc., New York, New York -- extension of time for its subsidiary, Banco 

Nacional de Mexico, S.A., Mexico City, Mexico, to divest its interest in certain 

assets acquired in settlement of debts previously contracted. 

- Granted, July 26, 2005 

(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, July 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Florence Bancorp, MHC, Florence, Massachusetts - to become a 

bank holding company through the acquisition of 100% of the 

voting shares of Florence Savings Bank, Florence, 

Massachusetts

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1) & 3(a)(3) Monson Financial Services MHC and Monson Financial 

Services Corp., both of Monson, Massachusetts - to become a 

mutual bank holding company and a stock bank holding 

company, respectively, by acquiring Monson Savings Bank, 

Monson, 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, July 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Deutsche Genossenschafts-Hypothekenbank AG, Hamburg, 

Germany, requests prior approval to establish a NY rep office.

Newspaper – N/Avail

FBSEA The Governor and Company of The Bank of Ireland, Dublin, 

Ireland to establish a representative office in Los Angeles, 

California, pursuant to Section 10(a) of the International 

Banking Act of 1978, and Section 211.24(a)(2)(i)(B) of Reg K.

Newspaper – N/Avail

FBSEA Kreditanstalt fur Wiederaufbau, Frankfurt, Germany, to establish 

a representative office in New York, New York, pursuant to 

Section 10(a) of the International Banking Act of 1978, as 

amended, and Section 211.24(a)(1) of Reg K.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

CIC Notice of Change in Bank Control pursuant to the Change in 

Bank Control Act of 1978, as amended, by The H.T. Clark I 

Family Limited Partnership (“Limited Partnership”), and Harold 

T. Clark Jr., both of Utica, New York, as general partner to 

acquire 72.19% of the common shares of Adirondack Bancorp 

Inc., Utica, New York; Limited Partnership is simultaneously 

requesting a determination by the Board to become a “qualified 

family parternship” pursuant to Section 2(o)(10) of the Bank 

Holding Company Act. See Filing ID 59827-1.

Newspaper – N/Avail

Fed Reg – 07/25/2005

*3A1 IA Bancorp, Inc., Iselin, New Jersey, (in formation), to become 

a one bank holding company with respect to the acquisition of 

Indus American Bank, Iselin, New Jersey, (in organization), 

pursuant to Section 3(a)(1) of the BHC Act, as amended, and 

Section 225.15 of Reg Y.

Newspaper – N/Avail

Fed Reg – 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

Investment Popular, Inc. and Popular International Bank, Inc., (“PIBI”), 

each of Hato Rey, Puerto Rico, proposal to make a portfolio 

investment under Section 211.9(f) of Regulation K. [DETAIL 

IS CONFIDENTIAL]

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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, July 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, July 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 132 

Calhoun Street, Cincinnati, OH

Newspaper – 07/09/2005

*Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

*3(a)(5) Rurban Financial Corp., Defiance, Ohio to acquire Exchange 

Bancshares, Inc., Luckey, Ohio and as a result acquire all of the 

issued and outstanding capital stock of The Exchange Bank. 

Rurban will be the surviving corporation in the merger. 

Exchange Bank will operate as a separate bank subsidiary of 

Rurban following completion of the merger

Newspaper – N/Avail

Fed Reg – 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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, July 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch New Peoples Bank, Honaker, Virginia, to establish a branch in 

Cleveland, Virginia.*

Newspaper – 08/09/2005

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

CIC Change in Control Notice filed by Fisher Woodside LP/Paul 

Fisher to retain control of 15.4% of the voting share of F&M 

Financial Corporation, Granite Quarry, North Carolina.*

Fed Reg – N/Avail

Newspaper – 08/20/2005

3(a)(3) Bank of America Corporation, Charlotte, North Carolina, to 

retain up to 19.9% of the voting shares of MNBA Corporation, 

Wilmington, North Carolina, under certain circumstances.*

Fed Reg – 08/30/2005

Newspaper – 08/21/2005

3(a)(5) Bank of America Corporation, Charlotte, North Carolina, to 

acquire 100% of the voting shares of MNBA Corporation, 

Wilmington, North Carolina.*

Fed Reg – 08/30/2005

Newspaper – 08/21/2005

CIC Notice of Change in Control filed by Phyllis L. Fisher, Joy Klutz 

Fisher, Donald Mitchell, Jacob Steven Fisher, Paula Dawn 

Philpot, and Irvin Henry Philpot III to retain in aggregate 2.2% 

of the voting shares of F&M Financial Corporation, Granite 

Quarry, North Carolina.*

Fed Reg – N/Avail

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 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, July 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Foreign Caja de Ahorros de Valencia, Castellon y Alicante (Bancaja), 

Valencia, Spain, to convert an international agency to a branch 

office in Miami, Florida.

Newspaper – N/Avail

Foreign Banco Popular Espanol, S.A., 28001 Madrid, Spain, to establish 

an international representative office in Miami, Florida.

Newspaper – N/Avail

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

2650 Creighton Road, Pensacola, Florida, to be known as the 

Creighton Road Wal-Mart Office.*

Newspaper – 08/06/2005

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

2461 E. Gulf to Lakes Highway, Inverness, Florida, to be known 

as the Gulf to Lakes Wal-Mart Office.*

Newspaper – 08/06/2005

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

748 Beal Parkway, N.W., Ft. Walton Beach, Florida, to be 

known as the Ft. Walton Wal-Mart Office.*

Newspaper – 08/07/2005

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

2255 Highway 71, Marianna, Florida, to be known as the 

Marianna Wal-Mart Office.*

Newspaper – 08/11/2005

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

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 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, July 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Byron Bank, Byron Center, Michigan, to establish a branch 

facility to be located at the southwest corner of Superior (135th) 

and Reno Drive, Wayland, Michigan.*

Newspaper – 07/26/2005

Branch Citizens Bank, Flint, Michigan, to establish a branch facility to 

be located at 20560 Haggerty Road, Northville, Michigan.*

Newspaper – 06/24/2005

Branch M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, to 

establish a branch facility to be located at Highway 55 and 

Vicksburg, Plymouth, Minnesota.*

Newspaper – 07/28/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) & 3(a)(1) Capitol Bancorp, Ltd., Lansing, Michigan, indirectly through 

Capitol Development Bancorp Limited III, Lansing, Michigan, 

to acquire 51 percent of Bank of Santa Barbara (in organization), 

Santa Barbara, California; and by Capitol Development Bancorp 

Limited III, Lansing, Michigan, to become a bank holding 

company by acquiring 51 percent of the voting shares of Bank of 

Santa Barbara (in organization), Santa Barbara, California.*

Fed Reg – 08/23/2005

Newspaper – N/Avail

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

Development Bancorp Limited III, Lansing, Michigan, to 

acquire 51 percent of the voting shares of Bank of Hayti, Hayti, 

Missouri.*

Fed Reg – 08/23/2005

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, July 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Bartlett, Bartlett, Tennessee, to establish a branch 

facility to be located at 9915 Highway 64, Memphis, 

Tennessee.*

Newspaper – 07/23/2005

Branch First Bank, St. Louis, Missouri, to establish a branch facility to 

be located at 24 East 4th Street, San Mateo, California.*

Newspaper – 08/02/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3A3 Lonoke Bancshares, Inc., Lonoke, Arkansas, to acquire 14.68 

percent of First Southern Bank, Batesville, Arkansas (in 

organization).*

Newspaper – N/Avail

Fed Reg – N/Avail

3A1 United Citizens Bancorp, Inc., Columbia, Kentucky, to become 

a bank holding company by acquiring 100 percent of United 

Citizens Bank of Southern Kentucky, Inc., Columbia, 

Kentucky.*

Newspaper – 08/24/2005

Fed Reg – 08/29/2005

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, July 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Profinium Financial to establish a detached facility to be located 

at 1080 W Frontage Road, Owatonna, Minnesota.

Newspaper – 08/08/2005

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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, July 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Gold Bank, Leawood, Kansas, to establish a branch on the 

northwest corner of Clark Road and Shangri-La Road, Sarasota, 

Florida.

Newspaper – 08/04/2005

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

Type Application

Ending date of

comment period

3(a)(3) Young Partners, L.P. and Young Corporation, both of 

Chillicothe, Missouri, to indirectly acquire, and Citizens 

Bancshares Co., Chillicothe, Missouri, to directly acquire an 

additional 3.12 percent, for a total of 10.07 percent of the voting 

stock of Clayco Banc Corporation, parent of CSB Bank, both in 

Claycomo, Missouri.

Newspaper – 08/24/2005

Fed Reg – N/Avail

CIC Notification by the William M. Cameron 2004 Family Trust, 

Oklahoma City, Oklahoma, and its trustees, Kenneth D. Klehm, 

Edmond, Oklahoma, and G. Blake Hogan, Houston, Texas; and 

the Lynda L. Cameron 2004 Trust, and its trustees, John W. Rex 

and Theodore M. Elam, all of Oklahoma City, Oklahoma, to 

retain control of First Fidelity Bancorp, Inc., parent of First 

Fidelity Bank, N.A., both in Oklahoma City, Oklahoma.

Newspaper – N/Avail

Fed Reg – N/Avail

CIC Notice by Hoffman, Inc., Arapahoe, Nebraska, to acquire control 

of Central Bancshares, Inc., parent of First Central Bank, both in 

Cambridge, Nebraska, and First Central Bank McCook, N.A., 

McCook, Nebraska. Central Bancshares, Inc., Cambridge, 

Nebraska, to redeem 23.4 percent of its outstanding common 

stock.

Newspaper – 08/17/2005

Fed Reg – 08/16/2005

CIC Notice by Basil G. Taylor and Danna Taylor, both of Watonga, 

Oklahoma, to acquire control of First State Bancorporation of 

Watonga, Inc., parent of First State Bank, both in Watonga, 

Oklahoma.

Newspaper – 08/10/2005

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

Membership American National Bank of Rock Springs (to be known as 

Rocky Mountain Bank), Rock Springs, Wyoming, 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 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, July 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) MetroCorp Bancshares, Inc., Houston, TX, to acquire 100 

percent of First United Bank, San Diego, CA.*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(3) Sterling Bancshares, Inc., Houston, TX, and Sterling 

Bancorporation, Inc., Wilmington, DE, to acquire 100 percent of 

Prestonwood Bancshares, Inc., Dallas, TX, and indirectly 

acquire Prestonwood Bancshares Nevada, Inc., Carson City, 

NV, and The Oaks Bank & Trust Company, Dallas, TX.*

Fed Reg – 08/23/2005

Newspaper – 08/20/2005

3(a)(5) Texas United Bancshares, Inc., La Grange, TX, and Texas 

United Nevada, Inc., Carson City, NV, to acquire by merger 100 

percent of Gateway Holding Company, Inc., Dallas, TX, and 

indirectly acquire Gateway Delaware Holding Company, Inc., 

Wilmington, DE, and Gateway National Bank, Dallas, TX.*

Fed Reg – 08/26/2005

Newspaper – N/Avail

CIC Notice by Ms. Reatha Coleen Beck, Austin, TX, to increase 

voting control from 24.99 percent to 25.66 percent in Union 

State Bancshares, Inc., Killeen, TX, and indirectly Union State 

Holding Company, Wilmington, DE, and Union State Bank, 

Florence, TX.

Fed Reg – N/Avail

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, July 30, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) NCB Financial, Las Vegas, Nevada, to become a bank holding 

company by acquiring 100 percent of Nevada Commerce Bank, 

Las Vegas, Nevada.*

Newspaper – N/Avail

Fed Reg – 08/22/2005

3(a)(1) FCB Bancorp, Camarillo, California, to become a bank holding 

company by acquiring 100 percent of First California Bank, 

Camarillo, California.*

Newspaper – N/Avail

Fed Reg – 08/26/2005

3(a)(5) FCB Bancorp, Camarillo, California, to merge with South Coast 

Bancorp, Inc., and thereby indirectly acquire its subsidiary, 

South Coast Commercial Bank, both of Irvine, California.*

Newspaper – N/Avail

Fed Reg – 08/26/2005

3(a)(5) Cowlitz Bancorporation, Longview, Washington, to merge with 

AEA Bancshares, Inc., Seattle, Washington, and thereby 

indirectly acquire its subsidiary, Asia -Europe-Americas Bank, 

Seattle, Washington.*

Newspaper – 08/19/2005

Fed Reg – 08/29/2005

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None