Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 37

Week Ending September 11, 2004

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

Testimony And Statements

Economic Outlook -- statement by Chairman Greenspan before the House Committee on 

the Budget.

- Published, September 8, 2004 

Protecting the Financial Infrastructure -- statement by Governor Olson before the House 

Committee on Financial Services.

- Published, September 8, 2004 

Regulations And Policies

Regulation E (Electronic Fund Transfers) -- publication for comment of proposed 

amendments and official staff commentary that address coverage of electronic check 

conversion services and those providing the services (Docket No. R-1210).

- Approved, September 10, 2004 

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

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Bloomingdale Bank and Trust, Bloomingdale, Illinois -- to establish a branch at 890 

North State Street, Elgin.

- Approved, September 7, 2004 

Chicago

Chesapeake Bank, Kilmarnock, Virginia -- to establish a branch at 6601 Richmond 

Road, Lightfoot.

- Approved, September 10, 2004 

Richmond

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 7730 Brandt Pike, Dayton.

- Approved, September 10, 2004 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2300 Portage 

Road, Kalamazoo.

- Approved, September 10, 2004 

Cleveland

The First Bank and Trust Company, Lebanon, Virginia -- to establish a branch at 1555 

Commerce Road, Verona.

- Approved, September 9, 2004 

Richmond

First Charter Bank, Charlotte, North Carolina -- to establish branches at 7809 Colony 

Road, Charlotte, and 2402 West Roosevelt Boulevard, Monroe.

- Approved, September 9, 2004 

Richmond

Heritage State Bank, Lawrenceville, Illinois -- to establish a branch at 1231 Hart Street, 

Vincennes, Indiana.

- Approved, September 10, 2004 

St. Louis

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

Bank Branches, Domestic

Middleburg Bank, Middleburg, Virginia -- to establish a branch at 1779 Fountain Drive, 

Reston.

- Approved, September 10, 2004 

Richmond

MontroseBank, Montrose, Colorado -- to establish a branch at the intersection of 

Highway 92 and Grand Avenue, Paonia.

- Approved, September 9, 2004 

Kansas City

New Peoples Bank, Inc., Honaker, Virginia -- to establish a branch at 75 

Commonwealth Avenue, Bristol.

- Approved, September 7, 2004 

Richmond

The Northern Trust Company, Chicago, Illinois -- to retain a branch at 250 South 

Northwest Highway, Park Ridge.

- Approved, September 9, 2004 

Secretary

Placer Sierra Bank, Auburn, California -- to establish a branch at the corner of Park and 

Sunset Boulevards, Rocklin.

- Approved, September 8, 2004 

Secretary

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 801 

Brickell Avenue, Suite 2100, Miami, Florida.

- Approved, September 7, 2004 

Richmond

Regions Bank, Birmingham, Alabama -- to establish a branch at 120 East Main Street, 

Suite B, Pensacola, Florida.

- Approved, September 10, 2004 

Atlanta

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

Bank Branches, Domestic

River City Bank, Mechanicsville, Virginia -- to establish a courier service for noncash 

deposits from business customers at locations in the City of Richmond and Hanover, 

Henrico, and Chesterfield Counties.

- Approved, September 10, 2004 

Richmond

SouthTrust Bank, Birmingham, Alabama -- to establish branches at 15320 IH 35 North, 

Selma, Texas; 701 East Beltline Road, Cedar Hill; 101 East IH 20, Arlington; 4020 

Beltline Road, Addison; and 208 NC Highway 54, Durham, North Carolina.

- Approved, September 7, 2004 

Atlanta

SouthTrust Bank, Birmingham, Alabama -- to establish branches at 8740 Mitchell 

Boulevard, New Port Richey, Florida; and 6114 Ridgewood Road, Jackson, Mississippi.

- Approved, September 9, 2004 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish branches at the intersection of State and 

Ellis Roads, Fayetteville; 942 Highway 81 East, McDonough; and the intersection of 

Windward Parkway and McGinnis Ferry, Alpharetta.

- Approved, September 9, 2004 

Atlanta

Westamerica Bank, San Rafael, California -- to establish a branch at 5404 West Cypress 

Avenue, Visalia.

- Approved, September 10, 2004 

San Francisco

Bank Holding Companies

CenterState Banks of Florida, Inc., Winter Haven, Florida -- to acquire CenterState 

Home Loans, LLC, Orlando, and thereby engage in making, acquiring, brokering, or 

servicing loans or other extensions of credit.

- Approved, September 7, 2004 

Atlanta

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

Bank Holding Companies

Century Bancshares, Inc., Gainesville, Missouri -- to acquire additional shares and 

thereby retain ownership of Ozarks Heritage Financial Group, Inc. and Legacy Bank & 

Trust Company, Plato; and for Century Bancshares and Ozarks Heritage Financial Group 

to acquire The Citizens Bank of Sparta, Sparta.

- Approved, September 9, 2004 

St. Louis

Deutsche Bank Aktiengesellschaft, Frankfurt, Germany, and Taunus Corporation, New 

York, New York -- to acquire Berkshire Mortgage Finance Limited Partnership, Boston, 

Massachusetts, and engage in the origination and servicing of loans.

- Approved, September 7, 2004 

New York

First Centralia Bancshares, Inc., Centralia, Kansas -- to acquire shares of Morrill 

Bancshares, Inc., Merriam, and thereby acquire The Morrill and Janes Bank and Trust 

Company; City National Bank, Kilgore, Texas; and 1st Bank Oklahoma, Claremore, 

Oklahoma.

- Approved, September 9, 2004 

Kansas City

First Citizens Banc Corp, Sandusky, Ohio -- to acquire FNB Financial Corporation, 

Shelby, and its subsidiary, First National Bank of Shelby.

- Approved, September 10, 2004 

Cleveland

First Metroplex Capital, Inc., Dallas, Texas -- to become a bank holding company and to 

acquire T Bank, National Association, a de novo bank.

- Approved, September 9, 2004 

Dallas

First National Capital Corporation, Walnut Ridge, Arkansas -- to become a bank holding 

company and to acquire The First National Bank of Lawrence County at Walnut Ridge.

- Approved, September 7, 2004 

St. Louis

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

Bank Holding Companies

Heritage Bancshares Group, Inc., Willmar, Minnesota -- to acquire Raymond 

Bancshares, Inc., Raymond, and thereby acquire Farmers State Bank of Raymond.

- Approved, September 9, 2004 

Minneapolis

Maries County Bancorp., Inc., Vienna, Missouri -- to acquire additional shares of 

Branson Bancshares, Inc., Branson, and thereby acquire Branson Bank.

- Approved, September 8, 2004 

St. Louis

SunCoast Bancorp, Inc., Sarasota, Florida -- relief from a commitment.

- Withdrawn, September 9, 2004 

Atlanta

Vision Bancshares, Inc., Gulf Shores, Alabama -- to acquire BankTrust of Florida, 

Wewahitchka, Florida.

- Approved, September 7, 2004 

Secretary

Bank Mergers

Regions Bank, Birmingham, Alabama -- to acquire certain escrow account liabilities of 

Union Planters Bank, N.A., Memphis, Tennessee.

- Approved, September 10, 2004 

Atlanta

Competitive Factors Reports

Ameribank, Welch, West Virginia -- report on competitive factors of the proposed 

merger with Steel Valley Bank, National Association, Dillonvale, Ohio.

- Submitted, September 10, 2004 

Richmond

Cape Cod Five Cents Savings Bank, Harwich Port, Massachusetts -- report on 

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

liabilities of the North Eastham branch of Rockland Trust Company, Rockland.

- Submitted, September 7, 2004 

Boston

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

Competitive Factors Reports

Deuel County National Bank, Clear Lake, South Dakota -- report on competitive factors 

of the proposed merger with Interim National Bank of Clear Lake.

- Submitted, September 9, 2004 

Minneapolis

The First National Bank of Williamson, Williamson, West Virginia -- report on 

competitive factors of the proposed merger with FNB Kentucky Interim Bank, National 

Association, Pikeville, Kentucky, a de novo bank.

- Submitted, September 7, 2004 

Richmond

First-Citizens Bank & Trust Company, Raleigh, North Carolina -- report on competitive 

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

the Winchester, Virginia, branch of Greater Atlantic Bank, Reston.

- Submitted, September 10, 2004 

Richmond

Heritage Bank, National Association, Spicer, Minnesota -- report on competitive factors 

of the proposed merger with Farmers State Bank of Raymond, Raymond.

- Submitted, September 9, 2004 

Minneapolis

Neosho Savings and Loan Association, F.A., Neosho, Missouri -- report on competitive 

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

the Columbia branch of Citizens Community Bank, Pilot Grove.

- Submitted, September 10, 2004 

Kansas City

UMB Bank, National Association, Kansas City, Missouri -- report on competitive 

factors of the proposed merger with UMB Bank Omaha, N.A., Omaha, Nebraska.

- Submitted, September 8, 2004 

Kansas City

Webster Bank, National Association, Waterbury, Connecticut -- report on competitive 

factors of the proposed merger with First City Bank, New Britain.

- Submitted, September 7, 2004 

Boston

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

Extensions Of Time

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

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

acquired in settlement of debts previously contracted (DPC).

- Granted, September 10, 2004 

Secretary

Royal Bank of Canada, Montreal, Canada; RBC Centura Banks, Inc., Rocky Mount, 

North Carolina; and RBC Centura Bank -- extension of time to divest of a certain real 

estate investment.

- Granted, September 7, 2004 

Director, BS&R

(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, September 11, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) The Royal Bank of Scotland Group plc, Edinburgh, Scotland 

and its subsidiaries, RBSG International Holdings Ltd, 

Edinburgh, Scotland and Citizens Financial Group, Inc., 

Providence, Rhode Island - to acquire RBS National Bank, 

Bridgeport, Connecticut, a de novo bank

Newspaper – N/Avail

Fed Reg – 10/07/2004

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch JPMorgan Chase Bank, New York, New York, to establish a 

branch office at 23550 Westheimer Parkway, Katy, Fort Bend 

County, Texas.

Newspaper – 10/08/2004

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

Type Application

Ending date of

comment period

3A1 Barclays PLC and Barclays Bank Plc, both of London, England, 

and Barclays Group US Inc., Wilmington, Delaware, to acquire 

100 percent of the issued and outstanding shares of Juniper 

Financial Corp., and its wholly-owned subsidiary, Juniper Bank, 

both of Wilmington, Delaware.

Newspaper – N/Avail

Fed Reg – 10/12/2004

3A1 Excel Bancorp LLC, New York, New York, to become a bank 

holding company by acquiring 96.93 percent of the voting 

shares of Excel Bank N.A., New York, New York.

Newspaper – N/Avail

Fed Reg – 10/08/2004

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4C8 Arrow Financial Corporation, Glens Fall, New York, to acquire 

100 percent of Capital Financial Group, Inc., South Glens Fall, 

New York, and to engage in insurance agency activities.

Fed Reg – 09/08/2004
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

884303 Chemung Canal Trust Company

Elmira, New York

02/02/2004 09/08/2004 O X

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, September 11, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*18(c) & Branch Application by Fifth Third Bank, Grand Rapids, Michigan, to 

merge with The First National Bank, Lamar, Missouri, pursuant 

to Section 18(c) of the Federal Deposit Insurance Act and 

incident thereto establish branches pursuant to Section 9 of the 

Federal Reserve Act.

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 of Change in Bank Control by Roger L. Moler and Janet 

L. Moler (collectively, "The Moler Family Control Group") to 

retain control of 10.20 percent of the outstanding shares of BNB 

Bancorp, Brookville, Ohio

Newspaper – N/Avail

Fed Reg – N/Avail

*4(c)(8) Park National Corporation, Newark, Ohio, to acquire First 

Federal Bancorp, Inc., and its subsidiary, First Federal Savings 

Bank of Eastern Ohio, both of Zanesville, Ohio, pursuant to 

Section 4(c)(8) of the Bank Holding Company Act

Newspaper – N/Avail

Fed Reg – N/Avail

*3(a)(5) PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania, 

to acquire 100 percent of Riggs National Corporation, 

Washington, DC, and thereby indirectly acquire certain of its 

nonbank subsidiaries and Riggs Bank, NA, McLean, Virginia

Newspaper – 10/01/2004

Fed Reg – 09/09/2004

*Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

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, September 11, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Equitable Bank, Fort Lauderdale, Florida, to establish a branch 

located at 2800 East Oakland Park Boulevard, Fort Lauderdale, 

Florida, to be known as the Coral Ridge Banking Center.*

Newspaper – 09/20/2004

Branch Newnan Coweta Bank, Newnan, Georgia, to establish a branch 

located at 107 Lexington Circle, Peachtree City, Georgia.*

Newspaper – 09/23/2004

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

located at 3577 Hacks Cross Road, Memphis, Tennessee.*

Newspaper – 09/13/2004

Branch Palm Beach County Bank, West Palm Beach, Florida, to 

establish a branch located at 316 Northlake Boulevard, North 

Palm Beach, Florida.*

Newspaper – 09/20/2004

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(5) ABC Bancorp, Moultrie, Georgia, to merge with Citizens 

Bancshares, Inc., and thereby acquire Citizens Bank – Wakulla, 

both of Crawfordville, Florida.*

Newspaper – N/Avail

Fed Reg – 10/04/2004

CIC First Southern Bancshares, Inc., Florence, Alabama, change in 

control notice filed by James E. Bishop, Muscle Shoals,

Alabama, Jane Kilpatrick Bishop, Muscle Shoals, Alabama, and 

Kilpatrick-Bishop, Inc., Tuscumbia, Alabama, to collectively 

acquire 7.07 percent of First Southern Bancshares, and its 

subsidiary, First Southern Bank, both of Florence, Alabama. 

Total ownership will be 15.27 percent.

Newspaper – N/Avail

Fed Reg – 09/21/2004

3(a)(5) United Community Banks, Inc., Blairsville, Georgia, to merge 

with Liberty National Bancshares, Inc., and thereby acquire its 

subsidiary, Liberty National Bank, both of Conyers, Georgia.*

Newspaper – N/Avail

Fed Reg – N/Avail
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC SBT Bancshares, Inc., Golden Meadow, Louisiana, prior change 

in control notice by James Bernard Cantrelle, Raceland, 

Louisiana, Albert Anthony Cheramie, Golden Meadow, 

Louisiana, Huey Joseph Cheramie, Cut Off, Louisiana, Eldon 

Joseph Frazier, Cut Off, Louisiana, and Walter Harold Maples, 

Grand Isle, Louisiana, to increase their collective ownership by 

45.45 percent of the outstanding shares of SBT Bancshares, Inc., 

and its subsidiary, State Bank & Trust Company, both of Golden 

Meadow, Louisiana. The total ownership will equal 100 percent.

Newspaper – 09/14/2004

Fed Reg – 08/31/2004

*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

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, September 11, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Comerica Bank, Detroit, Michigan, to establish a branch facility 

to be located at 12050 Ventura Blvd., Suite A-105, Studio City, 

Los Angeles County, California.*

Newspaper – 09/10/2004

18C & Branch First Trust and Savings Bank of Watseka, Watseka, Illinois, to 

merge with First National Bank of Clifton, Clifton, Illinois, and 

thereby to establish a branch at 145 E. 5th Avenue, Clifton, 

Illinois.*

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

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

Membership Iowa State Savings Bank, Knoxville, Iowa, to become a member 

of the Federal Reserve System.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3A3 Maries County Bancorp, Inc., Vienna, Missouri, to acquire 

10.90 percent of Lone Summit Bancorp, Inc., Lake Lotawana, 

Missouri, and thereby indirectly acquire Lone Summit Bank, 

Lake Lotawana, Missouri.*

Newspaper – 09/29/2004

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 9

Federal Reserve Bank of Minneapolis

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) First National Bancorp, Inc., Brewster, Minnesota, to become a 

bank holding company by acquiring 100% of Nobles Agency, 

Inc., Brewster, Minnesota; and thereby indirectly acquiring The 

First National Bank of Brewster, Brewster, Minnesota. 

Applicant also proposes through Nobles Agency, Inc., Brewster, 

Minnesota, to engage in insurance agency activities in a town 

with a population not exceeding 5,000.*

Fed Reg – 10/08/2004

Newspaper – N/Avail

CIC Notice by Kevin R. Engel, Le Center, Minnesota, and Rodney 

G. Engel, Jordan, Minnesota, to acquire control of First State 

Agency of Le Center, Inc., Le Center, Minnesota, and thereby 

indirectly acquire control of First State Bank of Le Center, Le 

Center, Minnesota.

Fed Reg – 09/21/2004

Newspaper – N/Avail

3(a)(1) Timberland Bancorp, Baxter, Minnesota, to become a bank 

holding company by acquiring 100 percent of the 

outstanding common stock of Buhl Bancorporation, Inc., 

Buhl, Minnesota, and thereby indirectly acquire The First 

National Bank of Buhl, Buhl, Minnesota.*

Fed Reg – 09/24/2004

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch MontroseBank, Montrose, Colorado, to establish a branch at the 

intersection of Highway 92 and Grand Avenue, Paonia, 

Colorado.

Newspaper – 08/12/2004

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

Type Application

Ending date of

comment period

3(a)(1) Lone Summit Bancorp, Inc., Lake Lotawana, Missouri, to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of Lone Summit Bank, Lake 

Lotawana, Missouri (in organization).

Newspaper – 09/29/2004

Fed Reg – 10/07/2004

3(a)(3) Country Bancshares, Inc., Jamesport, Missouri, to retain 9.14 

percent of the voting shares of Branson Bancshares, Inc., and 

thereby indirectly retain Branson Bank, both in Branson, 

Missouri.

Newspaper – 09/27/2004

Fed Reg – 10/12/2004

3(a)(3) Wilber Co., Wilber, Nebraska, to acquire 100 percent of the 

voting shares of Hickman Corporation, Hickman, Nebraska, and 

thereby indirectly acquire First State Bank, Lincoln, Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

3(a)(3) Wilber Co., Wilber, Nebraska, to acquire 100 percent of the 

voting shares of Yutan Bancorp., Inc., Yutan, Nebraska, and 

thereby indirectly acquire Bank of Yutan, Yutan, Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

3(a)(3) SSB Management LLC, Wilber, Nebraska, to acquire an 

additional 362 shares, for a total of 45.2 percent of the voting 

shares of Wilber Co., Wilber, Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

3(a)(3) SSB Management LLC, Wilber, Nebraska, to acquire through 

Wilber Co., Wilber, Nebraska, 100 percent of the voting shares 

of Hickman Corporation, Hickman, Nebraska, and thereby 

indirectly acquire First State Bank, Lincoln, Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

3(a)(3) SSB Management LLC, Wilber, Nebraska, to acquire through 

Wilber Co., Wilber, Nebraska, 100 percent of the voting shares 

of Yutan Bancorp., Inc., Yutan, Nebraska, and thereby indirectly 

acquire Bank of Yutan, Yutan, Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) First National Johnson Bancshares, Inc., Johnson, Nebraska, to 

acquire an additional 104 shares, for a total of 12.9 percent of 

the voting shares of Wilber Co., Wilber, Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

3(a)(3) First National Johnson Bancshares, Inc., Johnson, Nebraska, to 

acquire through Wilber Co., Wilber, Nebraska, 100 percent of 

the voting shares of Hickman Corporation, Hickman, Nebraska, 

and thereby indirectly acquire First State Bank, Lincoln, 

Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

3(a)(3) First National Johnson Bancshares, Inc., Johnson, Nebraska, to 

acquire through Wilber Co., Wilber, Nebraska, 100 percent of 

the voting shares of Yutan Bancorp., Inc., Yutan, Nebraska, and 

thereby indirectly acquire Bank of Yutan, Yutan, Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

4(c)(8) Wilber Co., Wilber, Nebraska, to engage in insurance activities 

through the acquisition of Yutan Insurance Agency, Yutan, 

Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

4(c)(8) SSB Management LLC, Wilber, Nebraska, to indirectly engage 

in insurance activities through the acquisition of Yutan 

Insurance Agency, Inc., Yutan, Nebraska, by Wilber Co., 

Wilber, Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

4(c)(8) First National Johnson Bancshares, Inc., Johnson, Nebraska, to 

indirectly engage in insurance activities through the acquisition 

of Yutan Insurance Agency, Inc., Yutan, Nebraska, by Wilber 

Co., Wilber, Nebraska.

Newspaper – 09/26/2004

Fed Reg – N/Avail

CIC Notification by Robert E. Schmidt, Hays, Kansas, and Willard 

L. Frickey, Las Vegas, Nevada, to acquire control of Hanston 

Insurance Agency, Inc., parent of Hanston State Bank, both of 

Hanston, Kansas.

Newspaper – 09/14/2004

Fed Reg – 09/21/2004

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

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

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Texas State Bank, McAllen, TX, to establish a branch at 1455 

Research Forest Drive, The Woodlands, TX 77380*

Newspaper – 09/17/2004

Branch Texas State Bank, McAllen, TX, to establish a branch at 4700 

Sweetwater Blvd., Sugar Land, TX 77479*

Newspaper – 09/17/2004

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC Charles E. Key, Lubbock, TX, to acquire an interest in 

Commerce National Financial Services, Inc., Lubbock, TX

(previously reported the week ending September 4, 2004

Fed Reg – 09/23/2004

Newspaper – 10/01/2004

3(a)(1) Town Center Holdings, Inc., Coppell, TX, and Town Center 

Holdings Delaware, Inc., Wilmington, DE, to acquire Town 

Center Bank, Coppell, TX (de novo)*

Fed Reg – 10/08/2004

Newspaper – N/Avail

3(a)(1) Town Center Holdings Delaware, Inc., Wilmington, DE, to 

acquire Town Center Bank, Coppell, TX (de novo)*

Fed Reg – 10/08/2004

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None
Section IV – Applications not subject to Fede ral 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, September 11, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None