H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 21 

Week Ending May 21, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions May 15, 2005 to May 21, 2005 

Testimony And Statements 

Truth in Lending -- statement by Governor Gramlich before the Senate Committee 

on Banking, Housing, and Urban Affairs on consumer credit card accounts and the 

Truth in Lending Act. 

- Published, May 17, 2005 

Regulations And Policies 

Control Proceedings under the Home Owners' Loan Act -- Board comment letter on 

the Office of Thrift Supervision's interim rule on control procedures and its 

implications for controlling companies under Regulations W (Transactions between 

Member Banks and Their Affiliates) and O (Loans to Executive Officers, Directors, 

and Principal Shareholders of Member Banks). 

- Approved, May 16, 2005 

Credit Risk Management Guidance for Home Equity Lending -- interagency 

guidance that promotes sound risk management practices for home equity lines of 

credit and loans. 

- Announced, May 16, 2005 

Private Sector Adjustment Factor -- publication for comment of changes to the 

methodology for calculating the target rate of return on equity in the private sector 

adjustment factor (Docket No. OP-1229). 

- Approved, May 16, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority May 15, 2005 to May 21, 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 

Kansas City 

AllNations Bank, Calumet, Oklahoma -- to establish a branch at 2023 South Gordon 

Cooper, Shawnee. 

- Approved, May 19, 2005 

St. Louis 

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 1107 South Rogers 

Street, Clarksville. 

- Approved, May 17, 2005 

Atlanta 

AuburnBank, Auburn, Alabama -- to establish a branch in Kroger Tigertown 

Supermarket at Frederick Road and Enterprise Drive, Opelika. 

- Approved, May 17, 2005 

Richmond 

Cecil Federal Bank, Elkton, Maryland -- to establish a branch at 390 Conowingo 

Road, Conowingo. 

- Approved, May 18, 2005 

Richmond 

Farmers & Merchants Bank, Timberville, Virginia -- to operate a courier service in 

Rockingham County and Harrisonburg. 

- Approved, May 18, 2005 

Cleveland 

Fifth Third Bank, Cincinnati, Ohio -- to establish a temporary branch at Pete Dye 

Golf Club, 801 Aaron Smith Drive, Bridgeport, West Virginia. 

- Approved, May 20, 2005 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 4370 Highland 

Road, Waterford. 

- Approved, May 20, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 5 
H.2 Actions under delegated authority May 15, 2005 to May 21, 2005 

Bank Branches, Domestic 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 640 West 

Diersey Parkway, Chicago, Illinois. 

- Approved, May 20, 2005 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 5930 West 

U.S. 52, New Palestine, Indiana. 

- Approved, May 20, 2005 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 50 Central 

Avenue, Sarasota, Florida. 

- Approved, May 20, 2005 

Kansas City 

Kearney Commercial Bank, Kearney, Missouri -- to relocate its main office to 950 

West 92 Highway and establish a branch at 100 West 92 Highway; and to increase 

its investment in bank premises. 

- Approved, May 19, 2005 

Dallas 

Peoples Bank, Lubbock, Texas -- to establish a branch at the intersection of 

Highways 86 and 168, Nazareth. 

- Approved, May 18, 2005 

Bank Holding Companies 

Atlanta 

American Southern Bancorp, Inc., Roswell, Georgia -- to become a bank holding 

company and to acquire American Southern Bank, a de novo bank. 

- Approved, May 19, 2005 

Kansas City 

Carbon County Holding Company, Rawlins, Wyoming -- relief from certain 

commitments. 

- Withdrawn, May 18, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 5 
H.2 Actions under delegated authority May 15, 2005 to May 21, 2005 

Bank Holding Companies 

Philadelphia 

Citizens and Northern Corporation, Wellsboro, Pennsylvania -- to acquire Canisteo 

Valley Corporation, Canisteo, New York, and its subsidiary, First State Bank. 

- Approved, May 20, 2005 

Atlanta 

Copiah Bancshares, Inc., Hazlehurst, Mississippi -- to become a bank holding 

company and to acquire Copiah Bank, National Association. 

- Approved, May 19, 2005 

Kansas City 

The Farmers State Bank of Fort Morgan Colorado Employee Stock Ownership 

Plan, Fort Morgan, Colorado -- to acquire up to 38 percent of the shares of FSB 

Bancorporation of Fort Morgan, Colorado, parent of Farmers State Bank of Fort 

Morgan. 

- Approved, May 18, 2005 

Philadelphia 

Fulton Financial Corporation, Lancaster, Pennsylvania -- to acquire SVB Financial 

Services, Inc., Somerville, New Jersey. 

- Approved, May 20, 2005 

Atlanta 

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

commitment. 

- Withdrawn, May 20, 2005 

Philadelphia 

North Penn Mutual Holding Company, Scranton, Pennsylvania, and North Penn 

Bancorp, Inc. -- to become bank holding companies in connection with the 

reorganization of North Penn Bank from a state chartered mutual savings bank to a 

state chartered stock savings bank. 

- Approved, May 17, 2005 

Philadelphia 

Univest Corporation of Pennsylvania, Souderton, Pennsylvania -- to retain 8.53 

percent ownership of New Century Bank, Phoenixville. 

- Approved, May 20, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 5 
H.2 Actions under delegated authority May 15, 2005 to May 21, 2005 

Change In Bank Control 

Kansas City 

Boynton Holding Company, Inc., Muskogee, Oklahoma -- change in bank control. 

- Withdrawn, May 19, 2005 

Chicago 

De Witt Bancorp, Inc., De Witt, Iowa -- change in bank control. 

- Permitted, May 20, 2005 

Richmond 

Islands Bancorp, Beaufort, South Carolina -- change in bank control. 

- Permitted, May 20, 2005 

Competitive Factors Reports 

St. Louis 

The Bank of Marion, Marion, Illinois -- report on competitive factors of the 

proposed merger with The Egyptian State Bank, Carrier Mills. 

- Submitted, May 17, 2005 

Chicago 

Community Bank Spring Green and Plain, Spring Green, Wisconsin -- report on 

competitive factors of the proposed merger with SGP Investments, Inc., Las Vegas, 

Nevada. 

- Submitted, May 17, 2005 

Dallas 

The First National Bank of Seymour, Seymour, Texas -- report on competitive 

factors of the proposed merger with First State Bank of Matador, Matador. 

- Submitted, May 20, 2005 

Atlanta 

First Tennessee Bank National Association Memphis, Memphis, Tennessee --

report on competitive factors of the proposed merger with United Bank and Trust 

Company, St. Petersburg, Florida. 

- Submitted, May 19, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 5 
H.2 Actions under delegated authority May 15, 2005 to May 21, 2005 

Competitive Factors Reports 

Boston 

Laconia Savings Bank, Laconia, New Hampshire -- report on competitive factors of 

the proposed merger with Village Bank and Trust Company, Gilford. 

- Submitted, May 19, 2005 

San Francisco 

Pacific Capital Bank, National Association, Santa Barbara, California -- report on 

competitive factors of the proposed merger with First Bank of San Luis Obispo, San 

Luis Obispo. 

- Submitted, May 16, 2005 

New York 

Patriot Federal Bank, Canajoharie, New York -- report on competitive factors of the 

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

Canajoharie branch of Trustco Bank, Glenville. 

- Submitted, May 19, 2005 

Financial Holding Companies 

Dallas 

Grapeland Bancshares, Inc., Grapeland, Texas, and Grapeland Financial Group, 

Inc., Dover, Delaware -- elections to become financial holding companies. 

- Effective, May 20, 2005 

(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, May 21, 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 2 

Federal Reserve Bank of New York 

Applications and notifications filed during the week ending Saturday, May 21, 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

*3A1 Park Avenue Bancorp, Inc., New York, New York, to become a 

bank holding company through the acquisition of 80.1 percent of 

the outstanding shares of Park Avenue Bank, New York, New 

York. 

Newspaper – 06/16/2005

Fed Reg – 06/20/2005 

*3A1 Treetops Acquisition Group LP, Treetops Acquisitions Group II 

LP, Treetops Acquisition Group Ltd., Treetops Acquisition 

Group II Ltd., CAM Discount Ltd, and the Edgar M. Bronfman 

Trusts A, B, C, D,E, F, G, all of New York, New York, to 

become bank holding companies through the acquisition of up to 

fifty-one percent of the outstanding shares of Israel Discount 

Bank, Ltd., Tel Aviv, Israel, and thereby acquire Discount 

Bancorp, New York, New York and its New York Statechartered bank, Israel Discount Bank of New York, New York, 

New York. 

Newspaper – 05/13/2005

Fed Reg – 05/13/2005 

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

Foreign Branch JPMorgan Chase Bank, National Association, Columbus, Ohio, 

provided notice of its intention to establish a branch in the 

Kingdom of Saudi Arabia. 

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 Third Quarter of 2005 

Institution Location

Adirondack Bank Utica, New York 

Great Eastern Bank New York, New York 

Orange County Trust Company Middletown, New York 

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 3 

Federal Reserve Bank of Philadelphia 

Applications and notifications filed during the week ending Saturday, May 21, 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 Third Quarter of 2005 

Institution Location

None 
District 4 

Federal Reserve Bank of Cleveland 

Applications and notifications filed during the week ending Saturday, May 21, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

*Branch Croghan Colonial Bank, Fremont, OH, to establish a bank 

branch de novo at 27 East Main Street, Norwalk, OH 

Newspaper – 06/06/2005 

*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

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 Third Quarter of 2005 

Institution Location

Cortland Savings & Banking Co. 194 W. Main Street 

Cortland, OH 44410 

Fifth Third Bank 38 Fountain Square Plaza 

Cincinnati, OH 45263 

Wesbanco Bank One Bank Plaza 

Wheeling, WV 26003 

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, May 21, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch Bank of Hampton Roads, Chesapeake, Virginia, to establish 

a branch at 999 Waterside Drive, Norfolk, Virginia.* 

Newspaper – 06/03/2005 

Branch Bank of the Commonwealth, Norfolk, Virginia, to establish 

a branch at 3343 Western Branch Boulevard, Chesapeake, 

Virginia.* 

Newspaper – 06/04/2005 

18(c) NBRS Financial, Rising Sun, Maryland, to purchase certain 

assets and assume certain deposit liabilities of the Penn Hills, 

Pennsylvania, branch office of Susquehanna Bank PA, Lititz. 

Pennsylvania.* 

Newspaper – 06/13/2005 

*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) Capital One Financial Corporation, McLean, Virginia., to 

acquire 100% of the voting shares of Hibernia Corporation, 

New Orleans, Louisiana, and thereby indirectly acquire 

Hibernia National Bank, New Orleans, Louisiana.* 

Fed Reg – 06/03/2005 

Newspaper – 06/04/2005 

*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 

829032 B C Bank, Inc. 

107 Pike Street 

Philippi, West Virginia 26416 

03/07/2005 05/21/2005 S X 

Section VI – CRA examinations scheduled for 3rd Quarter of 2005 

Institution Location

CommerceFirst Bank Annapolis, Maryland 

Virginia Commerce Bank Arlington, Virginia 

Bank of Hampton Roads Chesapeake, Virginia 

First Bank and Trust Company Lebanon, Virginia 

River City Bank Mechanicsville, Virginia 

First Sentinel Bank Richlands, Virginia 
Section VI – CRA examinations scheduled for 3rd Quarter of 2005 

Institution Location

Prosperity Bank & Trust Company Springfield, Virginia 

Bank of Tazewell County Tazewell, Virginia 

Putnam County Bank Hurricane, West Virginia 

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 6 

Federal Reserve Bank of Atlanta 

Applications and notifications filed during the week ending Saturday, May 21, 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) GB Bank Group, Inc., Glennville, Georgia, to become a bank 

holding company by acquiring 100 percent of the outstanding 

shares of Glennville Bank, Glennville, Georgia.* 

Newspaper – 06/04/2005

Fed Reg – 06/10/2005 

3(a)(5) GB Bank Group, Inc., Glennville, Georgia, to merge with 

Tippins Bankshares, Inc., Claxton, Georgia, and thereby acquire 

its subsidiary, Tippins Bank & Trust Company, Claxton, 

Georgia.* 

Newspaper – 06/04/2005

Fed Reg – 06/10/2005 

3(a)(1) Hometown Community Bancshares, Inc., Braselton, Georgia, to 

become a bank holding company by acquiring 100 percent of the 

outstanding shares of Hometown Community Bank, Braselton, 

Georgia (in organization).* 

Newspaper – 05/05/2005

Fed Reg – 04/22/2005 

4(c)(8) Omni Financial Services, Inc., Atlanta, Georgia, to acquire 100 

percent of the voting shares of Georgia Community Bank, a 

federal savings association, Dalton, Georgia, and thereby engage 

in operating a savings association.* 

Newspaper – N/Avail 

Fed Reg – 06/09/2005 

*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

Membership First Farmers and Merchants National Bank, Columbia, 

Tennessee, to become a state-chartered 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 Third Quarter of 2005 

Institution Location

The Bank Birmingham, Alabama 

Bank Independent Sheffield, Alabama 

Equitable Bank Fort Lauderdale, Florida 

IBERIABANK Lafayette, Louisiana 

TransAtlantic Bank Miami, Florida 
Section VI – CRA examinations scheduled for Third Quarter of 2005 

Institution Location

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 7 

Federal Reserve Bank of Chicago 

Applications and notifications filed during the week ending Saturday, May 21, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

18C & Branch Templeton Savings Bank, Templeton, Iowa, to purchase the 

assets and assume the liabilities of the Manning, Iowa branch 

office of American Interstate Bank, Elkhorn, Nebraska, and to 

establish a branch at 223 Main Street, Manning, Iowa.* 

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 Terence P. Greenley, Sigourney, Iowa and Frances S. 

Fleck, Sigourney, Iowa (husband and wife) to gain control of 

Fountain View Bancorp., Inc., and thereby indirectly Keokuk 

County State Bank, Sigourney, Iowa. 

Fed Reg – 05/20/2005 

Newspaper – N/Avail 

3(a)(3) Peotone Bancorp, Inc., Peotone, Illinois, and Founders Group, 

Worth, Illinois, to acquire 100 percent of the voting shares of 

Vermilion Bancorp, Inc., Danville, Illinois, and thereby 

indirectly acquire American Savings Bank of Danville, Danville, 

Illinois.* 

Fed Reg – 06/02/2005 

Newspaper – 06/03/2005 

3(a)(1) Symphony Bancorp, Indianapolis, Indiana, to become a bank 

holding company by acquiring 100 percent of the voting shares 

of Symphony Bank (in organization), Indianapolis, Indiana.* 

Fed Reg – 05/31/2005 

Newspaper – 05/30/2005 

* 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 

542649 Chemical Bank & Trust Co. 

333 E. Main Street 

Midland, Michigan 48640 

(989) 631-9200 

07/19/2004 05/06/2005 S X 

Section VI – CRA examinations scheduled for 3rd Quarter of 2005 

Institution Location

Alpha Community Bank Toluca, Illinois 

American Trust and Savings Bank Dubuque, Iowa 

Baylake Bank Sturgeon Bay, Wisconsin 

Citizens Bank Flint, Michigan 

Fifth Third Bank Grand Rapids, Michigan 

First Banking Center Burlington, Wisconsin 
Section VI – CRA examinations scheduled for 3rd Quarter of 2005 

Institution Location

Knisely Bank Butler, Indiana 

Lake Forest Bank and Trust Co. Lake Forest, Illinois 

Legacy Bank Milwaukee, Wisconsin 

M&I Marshall & Ilsley Bank Milwaukee, Wisconsin 

North Shore Community Bank Wilmette, Illinois 

St. Ansgar State Bank Saint Ansgar, Iowa 

Security Savings Bank Gowrie, Iowa 

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 8 

Federal Reserve Bank of St. Louis 

Applications and notifications filed during the week ending Saturday, May 21, 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

3A3 First Horizon National Corporation, Memphis, Tennessee, to 

acquire 100 percent of United Bank and Trust Company, Saint 

Petersburg, Florida. (Previously submitted during the week 

ending May 14, 2005.) * 

Newspaper – 06/13/2005

Fed Reg – 06/17/2005 

3A1 Trubank Securities Trust, St. Louis, Missouri, to become a bank 

holding company by acquiring 16 percent of Truman Bancorp, 

Inc., St. Louis, Missouri, and there indirectly acquire Truman 

Bank, St. Louis, Missouri. (Previously submitted during the 

week ending April 30, 2005.) * 

Newspaper – 06/02/2005

Fed Reg – 05/27/2005 

* 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, May 21, 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

CIC Severson Family Limited Partnership, Apple Valley, Minnesota, 

and Larry S. Severson, Lakeville, Minnesota as general partner, 

to become part of a group acting in concert, and thereby acquire 

control of Financial Services of St. Croix Falls, St. Croix Falls, 

Wisconsin. 

Fed Reg – 05/23/2005 

Newspaper – N/Avail 

3(a)(1) Tradition Bancshares, Inc., Edina, Minnesota, to become a bank 

holding company by acquiring 100 percent of the stock of 

Tradition Capital Bank, Edina, Minnesota, a bank in 

organization.* 

Fed Reg – 06/09/2005 

Newspaper – 06/13/2005 

* 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 10 

Federal Reserve Bank of Kansas City 

Applications and notifications filed during the week ending Saturday, May 21, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

18(c) Centennial Bank of the West, Fort Collins, Colorado, to merge 

with First MainStreet Bank, N.A., Longmont, Colorado, and 

incident thereto, to establish five branches. 

Newspaper – N/Avail 

Branch Bank of Western Oklahoma, Elk City, Oklahoma, to establish a 

branch at the intersection of Williams Avenue and Downs 

Avenue, Woodward, Oklahoma. 

Newspaper – 05/27/2005 

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

Type Application

Ending date of 

comment period

3(a)(3) Centennial Bank Holdings, Inc., Fort Collins, Colorado, to 

acquire 100 percent of the voting shares of First MainStreet 

Financial, Ltd., Longmont, Colorado, parent of First MainStreet 

Bank, N.A., Longmont, Colorado. 

Newspaper – N/Avail 

Fed Reg – 06/17/2005 

3(a)(3) Ameribank Holding Company, Collinsville, Oklahoma, to 

acquire up to 100 percent of the voting shares of Boynton 

Holding Company, Inc., parent of Territory Bank, both of 

Muskogee, Oklahoma. 

Newspaper – N/Avail 

Fed Reg – 06/20/2005 

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 

None 

Section VI – CRA examinations scheduled for 3rd Quarter of 2005 

Institution Location

Centennial Bank Englewood, Colorado 

Premier Bank Lenexa, Kansas 

The Valley State Bank Syracuse, Kansas 

Lamar Bank and Trust Lamar, Missouri 

Farmers State Bank Lincoln, Missouri 

Farmers State Bank Stanberry, Missouri 

Platte Valley State Bank and Trust Company Kearney, Nebraska 

First State Bank Lincoln, Nebraska 
Section VI – CRA examinations scheduled for 3rd Quarter of 2005 

Institution Location

Citizens Bank and Trust Company Ardmore, Oklahoma 

Ameristate Bank Atoka, Oklahoma 

Citizens Bank of Edmond Edmond, Oklahoma 

Grant County Bank Medford, Oklahoma 

Peoples Bank Oklahoma City, Oklahoma 
District 11 

Federal Reserve Bank of Dallas 

Applications and notifications filed during the week ending Saturday, May 21, 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) TCB Holding Company, The Woodlands, Texas, to become a 

bank holding company by acquiring 100 percent of Texas 

Community Bank, N.A., The Woodlands, Texas. * 

Fed Reg – 06/07/2005 

Newspaper – 06/20/2005 

CIC Notice by Rodney A, Abrams, Northbrook, Illinois; et al, to 

acquire an interest in Surety Capital Corporation, Fort Worth, 

Texas, and indirectly acquire Surety Bank, National Association, 

Fort Worth, Texas. 

Fed Reg – 05/31/2005 

Newspaper – 04/06/2005 

* 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 

935858 Colorado Valley Bank 

143 North Main 

La Grange, Texas 78945-2616 

03/07/2005 05/16/2005 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, May 21, 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) Sterling Financial Corporation, Spokane, Washington, to 

become a bank holding company by acquiring 100 percent of 

Sterling Savings Bank, Spokane, Washington.* 

Newspaper – 06/10/2005

Fed Reg – 06/09/2005 

* 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