Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 40

Week Ending October 2, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
September 26, 2004 to October 2, 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

Banco Popular North America, New York, New York -- to establish branches at 1231 

South Sanderson Road, Hemet, California, and 27931 Kelly Johnson Parkway, Santa 

Clarita.

- Approved, October 1, 2004 

New York

Bank of Little Rock, Little Rock, Arkansas -- to establish a branch at 15901 Cantrell 

Road.

- Approved, September 30, 2004 

St. Louis

The Bank of Marion, Marion, Virginia -- to establish a branch at Boones Creek Road 

and Boone Ridge Drive, Johnson City, Tennessee.

- Approved, September 29, 2004 

Richmond

The Commercial and Savings Bank of Millersburg, Millersburg, Ohio -- to establish a 

mobile branch to provide courier services in Holmes, Wayne, Tuscarawas, Coshocton, 

Stark, and Ashland Counties.

- Approved, October 1, 2004 

Cleveland

East-West Bank, San Marino, California -- to establish an in-store branch at 17713 

Pioneer Boulevard, Artesia.

- Approved, September 28, 2004 

San Francisco

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 6031 Groveport Road, 

Groveport.

- Approved, September 28, 2004 

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority September 26, 2004 to October 2, 2004

Bank Branches, Domestic

First American Bank, Fort Dodge, Iowa -- to establish branches at 1901 Broadway 

Street, Iowa City, and 1517 North Ankeny Boulevard, Ankeny.

- Approved, October 1, 2004 

Chicago

Johnson Bank, Racine, Wisconsin -- to establish a branch at 101 West Chestnut Street, 

Burlington.

- Approved, October 1, 2004 

Chicago

JPMorgan Chase Bank, New York, New York -- to establish branches at 405 Lexington 

Avenue, 330 Plandome Road, Manhasset, and 11521 North FM 620, Austin, Texas.

- Approved, October 1, 2004 

New York

Regions Bank, Birmingham, Alabama -- to establish branches at 251 Mary Ester 

Boulevard, Mary Ester, Florida, and at the intersection of South Mopac Expressway and 

William Cannon Drive, Austin, Texas.

- Approved, September 27, 2004 

Atlanta

United Bank & Trust, Marysville, Kansas -- to establish a drive-through branch at 726 

West Crawford Street, Clay Center.

- Approved, October 1, 2004 

Kansas City

Valley Independent Bank, El Centro, California -- to establish a branch at 3203 West 

March Lane, Stockton.

- Approved, September 29, 2004 

San Francisco

Bank Holding Companies

CB Financial Corporation, Rehoboth Beach, Delaware -- to become a bank holding 

company and to acquire County Bank.

- Withdrawn, October 1, 2004 

Philadelphia

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority September 26, 2004 to October 2, 2004

Bank Holding Companies

East Penn Financial Corporation, Emmaus, Pennsylvania -- commitment waiver request.

- Withdrawn, October 1, 2004 

Philadelphia

Timberland Bancorp, Baxter, Minnesota -- to become a bank holding company and to 

acquire Buhl Bancorporation, Inc., Buhl, and The First National Bank of Buhl.

- Approved, October 1, 2004 

Minneapolis

Tri-State 1st Banc, Inc., East Liverpool, Ohio -- to acquire MDH Investment 

Management, Inc.

- Withdrawn, October 1, 2004 

Cleveland

Change In Bank Control

Coushatta Bancshares, Inc., Coushatta, Louisiana -- change in bank control.

- Permitted, September 29, 2004 

Dallas

First State Agency of Le Center, Inc., Le Center, Minnesota -- change in bank control.

- Permitted, September 28, 2004 

Minneapolis

Liberty Bancorporation, Longwood, Florida -- change in bank control.

- Permitted, September 29, 2004 

Atlanta

SBT Bancshares, Inc., Golden Meadow, Louisiana -- change in bank control.

- Permitted, October 1, 2004 

Atlanta

Competitive Factors Reports

American River Bank, Sacramento, California -- report on competitive factors of the 

proposed merger with Bank of Amador, Jackson.

- Submitted, September 27, 2004 

San Francisco

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority September 26, 2004 to October 2, 2004

Competitive Factors Reports

Beach Business Bank, Manhattan Beach, California -- report on competitive factors of 

the proposed merger with Doctors' Bancorp.

- Submitted, September 27, 2004 

San Francisco

Brookline Bank, Brookline, Massachusetts -- report on competitive factors of the 

proposed merger with Medford Co-operative Bank, Medford.

- Submitted, September 27, 2004 

Boston

The Central Bank USA, Inc., Greensburg, Kentucky -- report on competitive factors of 

the proposed merger with Pioneer Bank, Canmer, and Green River Bank, Morgantown.

- Submitted, October 1, 2004 

St. Louis

Community First Bank, Kennewick, Washington -- report on competitive factors of the 

proposed merger with Interim Community First Bank.

- Submitted, September 28, 2004 

San Francisco

First National Bank and Trust Company, Asheboro, North Carolina -- report on 

competitive factors of the proposed merger with Rowan Savings Bank SSB, Inc., China 

Grove.

- Submitted, October 1, 2004 

Richmond

First National Bank of Pennsylvania, Greenville, Pennsylvania -- report on competitive 

factors of the proposed merger with The First National Bank of Slippery Rock, Slippery 

Rock.

- Submitted, October 1, 2004 

Cleveland

Georgetown Savings Bank, Georgetown, Massachusetts -- report on competitive factors 

in connection with the proposed corporate reorganization of Georgetown Bancorp, MHC.

- Submitted, September 28, 2004 

Boston

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority September 26, 2004 to October 2, 2004

Competitive Factors Reports

Home Federal Bancorp, Inc. of Louisiana, Shreveport, Louisiana -- report on competitive 

factors of the proposed acquisition of Home Federal Savings & Loan Association.

- Submitted, September 30, 2004 

Dallas

Liberty National Bank, Granbury, Texas -- report on competitive factors of the proposed 

merger with Stephenville Bank and Trust Co., Stephenville.

- Submitted, September 30, 2004 

Dallas

Nevada Security Bank, Reno, Nevada -- report on competitive factors of the proposed 

merger with CNA Trust Corporation, Costa Mesa, California.

- Submitted, September 27, 2004 

San Francisco

Panhandle State Bank, Sandpoint, Idaho -- report on competitive factors of the proposed 

merger with Magic Valley Bank, Twin Falls.

- Submitted, September 27, 2004 

San Francisco

Slavie Federal Savings Bank, Bel Air, Maryland -- report on competitive factors of the 

proposed merger with Slavie Interim Two Bank.

- Submitted, September 29, 2004 

Richmond

Valley Bank, Moreno Valley, California -- report on competitive factors of the proposed 

merger with a yet-to-be-formed interim California corporation.

- Submitted, September 29, 2004 

San Francisco

VISIONBank, Fargo, North Dakota -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of the Fargo branch of Security State Bank 

of North Dakota, Hannaford.

- Submitted, October 1, 2004 

Minneapolis

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority September 26, 2004 to October 2, 2004

Competitive Factors Reports

Wilshire State Bank, Los Angeles, California -- report on competitive factors of the 

proposed merger with Orange Savings Bank of Texas, SSB, Mauriceville, Texas.

- Submitted, September 28, 2004 

San Francisco

Extensions Of Time

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga Springs, 

New York -- extension to October 15, 2004, to acquire additional shares of 473 

Broadway Holding Corporation and The Adirondack Trust Company.

- Granted, September 28, 2004 

New York

North Valley Bank, Redding, California -- extension to September 19, 2005, to establish 

a branch at 480 South Pioneer Avenue, Woodland.

- Granted, September 28, 2004 

San Francisco

Prairieland Bancorp Employee Stock Ownership Plan and Trust, Bushnell, Illinois -- 

extension to January 9, 2005, to increase its ownership of Prairieland Bancorp, Inc. and 

thereby acquire Farmers and Merchants State Bank.

- Granted, September 27, 2004 

Chicago

Financial Holding Companies

Safra New York Corporation, Dover, Delaware -- election to become a financial holding 

company.

- Effective, September 29, 2004 

New York

(AC) = Addition or Correction Delegated - Page 6 of 6
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, October 2, 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 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, October 2, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Aozora Bank LTD, Tokyo, Japan, to establish a representative 

office in New York, New York.

Newspaper – 10/21/2004

Branch JP Morgan Chase Bank, New York, New York, to establish a 

branch office at 225 North Wood Avenue, Linden, New Jersey.

Newspaper – 10/23/2004

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

Type Application

Ending date of

comment period

3A3 Citigroup Inc., New York, New York, to acquire 100 percent of 

the voting shares of Citibank Texas, National Associa tion, 

Bryan, Texas, following its conversion from a state savings bank 

(currently named First American Bank, SSB) to a national bank.

Newspaper – 10/23/2004

Fed Reg – 10/25/2004

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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, October 2, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Pocono Community Bank, Stroudsburg, PA requests approval to 

establish a branch office at Route 390 & Price Drive, Barrett 

Township, Monroe Co, PA

Newspaper – 10/11/2004

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

Type Application

Ending date of

comment period

3(a)(5) Fulton Financial Corporation, Lancaster, PA requests approval 

to merge with First Washington Financial Corp, Windsor, NJ 

and thereby indirectly acquire First Washington State Bank, 

Windsor, NJ

Newspaper – N/Avail

Fed Reg – 10/28/2004

CIC PSB Bancorp, Inc, Philadelphia, PA notice filed by Anthony S. 

DiSandro, Blue Bell, PA to acquire up to 15% of the outstanding 

shares of PSB Bancorp, Inc., Philadelphia, PA

Newspaper – N/Avail

Fed Reg – 09/27/2004

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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, October 2, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*18(c) & Branch The Croghan Colonial Bank, Fremont, Ohio, proposes to acquire 

through merger, The Custar State Bank, Custar, Ohio.

Newspaper – N/Avail

*Branch Fifth Third, Cincinnati, OH to establish a branch at 5991 

Sunbury Road, Westerville, OH.

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

*18(c), *3(a)(5) &

Branch

Fifth Third Bancorp and Fifth Third Financial Company, both of 

Cincinnati, Ohio, to acquire 100 percent of and merge with First 

National Bankshares of Florida, Inc., Naples, Florida, and 

thereby indirectly acquire First National Bank of Florida, 

Naples, Florida.

Newspaper – 10/27/2004

Fed Reg – 10/29/2004

*3(a)(1) & 4(c)(8) Peoples Community Bancorp, Inc., West Chester, OH, to 

acquire 38% of the outstanding voting shares of Columbia 

Bancorp, Inc., Cincinnati, OH, pursuant to Section 3(a)(1) of the 

Bank Holding Company Act and People s Community Bancorp, 

Inc., West Chester, OH, to retain 100% of the voting shares of 

Peoples Community Bank, West Chester, OH, pursuant to 

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

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

*18(c), 3(a)(5) &

Branch

Sky Financial Group, Inc., Bowling Green, OH to acquire 100 

percent of the voting shares of Prospect Bancshares, Inc., 

Worthington, OH pursuant to Section 3(a)(5) of the Bank 

Holding Company Act and thereby acquire its wholly-owned 

subsidiary, Prospect Bank, Columbus, OH and Sky Bank, 

Salineville, OH to merge with and into Prospect Bank, 

Columbus, OH pursuant to Section 18(c) of the Federal Deposit 

Insurance Act and incident thereto establish branch offices 

pursuant to Section 9 of the Federal Reserve Act.

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.
Section V – Availability of CRA public evaluations

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, October 2, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Essex, Tappahannock, Virginia, to establish branches 

at 1325 Tappahannock Boulevard and 323 Prince Street, both 

locations in Tappahannock, Virginia.*

Newspaper – 10/15/2004

Branch Union Bank and Trust Company, Bowling Green, Virginia, to

establish a branch at 8300 Bell Creek Road, Mechanicsville, 

Virginia.*

Newspaper – 10/15/2004

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

and assume the deposit liabilities of the Aberdeen, Maryland, 

branch office of Susquehanna Bank, Baltimore, Maryland.*

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

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

693224 Union Bank and Trust Company

212 North Main Street

Bowling Green, Virginia 22427

06/14/2004 09/26/2004 S X

2787770 Bank of the James

615 Church Street

Lynchburg, Virginia 24504

07/19/2004 10/01/2004 S X

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, October 2, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

9601 U.S. Highway One, Sebastian, Florida, to be known as the 

South Sebastian-Indian River Office.*

Newspaper – 10/13/2004

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC Valley Bancshares, Inc., Russellville, Alabama, prior change in 

control notice filed by the Rogers Investments, LP, Russellville, 

Alabama (Partnership), with Diane Rogers Barnes, Marietta,

Georgia, and Robert Isaac Rogers, Jr., Russellville, Alabama, as 

general partners of Partnership, to acquire 44.13 percent of the 

outstanding shares of Valley Bancshares, Inc., and its subsidiary, 

Valley State Bank, both of Russellville, Alabama.

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 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, October 2, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Ames Community Bank, Ames, Iowa, to establish a branch to be 

located at 4510 Mortensen Ave., Ames, Iowa.*

Newspaper – 10/01/2004

Branch Bloomingdale Bank and Trust, Bloomingdale, Illinois, to 

establish a branch facility to be located at 890 N. State Street, 

Elgin, Illinois.*

Newspaper – 08/30/2004

Branch Calumet County Bank, Brillion, Wisconsin, to establish a branch 

facility to be located at W443 Veterans Drive, Sherwood, 

Wisconsin.*

Newspaper – 10/09/2004

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

to be located at 9255 Towne Center Drive, Suite 110, San 

Diego, California.*

Newspaper – 09/24/2004

Branch Comerica Bank, Detroit, Michigan, to establish branch facilities 

to be located at 12230 Forestgate Drive, Dallas, Texas, and 805

W. McDermott Drive, Allen, Texas.*

Newspaper – 10/02/2004

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

to be located at 1191 Lincoln Avenue, San Jose, California.*

Newspaper – 09/23/2004

Branch First American Bank, Fort Dodge, Iowa, to establish branch 

offices at 1901 Broadway, Suite 2, Iowa City, Iowa, and 1517 

North Ankeny Boulevard, Ankeny, Iowa.*

Newspaper – 09/24/2004

Branch Johnson Bank, Racine, Wisconsin, to establish a branch facility 

to be located at 101 West Chestnut Street, Burlington, 

Wisconsin.*

Newspaper – 09/24/2004

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Cornerstone Financial Services Group, Inc., Ottumwa, Iowa, to 

acquire 100 percent of West Liberty Holding Co., West Liberty, 

Iowa, and thereby indirectly acquire West Liberty State Bank, 

West Liberty, Iowa.*

Fed Reg – N/Avail

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

Type Application

Ending date of

comment period

CIC Notice by Marlene D. Huls, Gifford, Illinois, to retain 29.8 

percent of the voting shares of Illini Corporation, Springfield, 

Illinois, and thereby indirectly acquire Illini Bank, Springfield, 

Illinois.

Fed Reg – 10/13/2004

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.
Section V – Availability of CRA public evaluations

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, October 2, 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 First Bank Corp, Fort Smith, Arkansas, to acquire 100 percent of 

BOR Bancshares, Inc., Rogers, Arkansas, and thereby indirectly 

acquire Bank of Rogers, Rogers, Arkansas.*

Newspaper – 10/30/2004

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

4c8 Cass Information Systems, Inc., Bridgeton, Missouri, to acquire 

substantially all of the assets of NTransit, Inc. and NTransit, 

LLC, Wellington, Kansas, and thereby engage in data processing 

and management consulting activities. These activities include 

freight bill audit, carrier rate negotiation analysis, shipment 

optimization software and warehouse location studies.

(Previously reported during the week ended September 25, 

2004)

Fed Reg – 10/18/2004

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

2747466 Exchange Bank of Northeast Missouri

Kahoka, Missouri

06/01/2004 09/30/2004 S X

833646 Bank of Cairo and Moberly

Moberly, Missouri

06/14/2004 09/30/2004 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, October 2, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Branch American Bank of St. Paul, St. Paul, Minnesota, to merge 

with Americana National Bank, Albert Lea, Minnesota and 

incident thereto establish branches at 217 South Newton 

Avenue, Albert Lea, Minnesota, and 195 North Broadway, 

Alden, Minnesota.*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Marshall Bancorp, Inc., Minneapolis, Minnesota, to 

acquire 100% of BANKFIRST Corporation, Sioux Falls, 

South Dakota, and thereby indirectly acquire 

BANKFIRST, Sioux Falls, South Dakota.*

Fed Reg – 10/22/2004

Newspaper – N/Avail

CIC Notice by Todd L. and Nancy S. Johnson, Superior, 

Wisconsin, to gain control of NATCOM Bancshares, Inc., 

Superior, Wisconsin, and thereby indirectly gain control of 

National Bank of Commerce, Superior, Wisconsin.

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(3) State Bankshares, Inc., Fargo, North Dakota, to acquire 

100 percent of the voting shares of First State Bank of 

Audubon, Audubon, Minnesota.*

Fed Reg – 10/22/2004

Newspaper – N/Avail

3(a)(3) The Tysan Corporation, Minneapolis, Minnesota, to 

acquire 100 percent of the voting stock of Blaine State 

Bank, Blaine, Minnesota.*

Fed Reg – 10/25/2004

Newspaper – N/Avail

3(a)(5) United Bancor, Ltd., Dickinson, North Dakota, to acquire 

100 percent of Scandia American Bancorporation, Inc., 

Stanley, North Dakota, and thereby indirectly acquire 

Scandia American Bank and Trust, Stanley, North 

Dakota.*

Fed Reg – 10/25/2004

Newspaper-10/25/2004

* 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

3(a)(1) DCNB Holding Company, Clear Lake, South Dakota, to 

become a bank holding company by acquiring 100 percent 

of Deuel County National Bank, Clear Lake, South Dakota.

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

604556 Ravalli County Bank

Hamilton, MT

06/21/2004 09/28/2004 O X

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, October 2, 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) Newco Front Range, Inc., Fort Collins, Colorado, to become a 

bank holding company through the acquisition of 100 percent of 

the voting shares of Guaranty Corporation, Denver, Colorado, 

parent of Guaranty Bank and Trust Company, Denver, 

Colorado; Collegiate Peaks Bank, Buena Vista, Colorado; and 

First National Bank of Strasburg, Strasburg, Colorado.

Newspaper – N/Avail

Fed Reg – 10/29/2004

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

acquire, through its wholly owned subsidiary Newco Front 

Range, Inc., Fort Collins, Colorado, 100 percent of the voting 

shares of Guaranty Corporation, Denver, Colorado, parent of 

Guaranty Bank and Trust Company, Denver, Colorado; 

Collegiate Peaks Bank, Buena Vista, Colorado; and First 

National Bank of Strasburg, Strasburg, Colorado.

Newspaper – N/Avail

Fed Reg – 10/29/2004

4(c)(8) Centennial Bank Holdings, Inc., Fort Collins, Colorado, to 

engage in trust activities through the acquisition of Guaranty 

Corporation, Denver, Colorado, parent of AMG Guaranty Trust, 

N.A., Greenwood Village, Colorado.

Newspaper – N/Avail

Fed Reg – 10/29/2004

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

Membership Guaranty Bank and Trust Company, Denver, Colorado, to 

become a member of the Federal Reserve System.

Membership Kaw Valley State Bank and Trust Company, Wamego, Kansas, 

to become a member of the Federal Reserve System.

Investment in 

Bank Premises

1

st Bank and Trust, Broken Bow, Oklahoma, to increase its 

investment in bank premises.

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, October 2, 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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, October 2, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch East-West Bank, San Marino, California, to establish a branch 

facility to be located at 1015 Nogales Street, Rowland Heights, 

California.*

Newspaper – 09/28/2004

* 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

3A3 Wells Fargo & Company, San Francisco, California, to acquire 

First Community Capital Corporation, Houston, Texas, and 

thereby indirectly acquire its wholly-owned subsidiaries, First 

Community Capital Corporation of Delaware, Inc., Wilmington, 

Delaware, First Community Bank N.A., Houston, Texas, First 

Community Bank San Antonio N.A., San Antonio, Texas, and 

First Community Advisors, Inc., Houston, Texas.*

Newspaper – N/Avail

Fed Reg – 11/08/2004

* 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