Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 3

Week Ending January 15, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions January 9, 2005 to January 15, 2005

Forms

Forms -- final Board review to revise without extension the Consolidated Financial 

Statements for Bank Holding Companies (FR Y-9C), Parent Company Only Financial 

Statements for Large Bank Holding Companies (FR Y-9LP), Parent Company Only 

Financial Statements for Small Bank Holding Companies (FR Y-9SP), Financial 

Statements of U.S. Nonbank Subsidiaries of U.S. Bank Holding Companies (FR Y-11), 

and Financial Statements of Foreign Subsidiaries of U.S. Banking Organizations (FR 

2314).

- Approved, January 11, 2005 

Forms -- final Board review to extend without revision the Notification of Foreign Branch 

Status (FR 2058).

- Approved, January 13, 2005 

(AC) = Addition or Correction Board - Page 1 of 1
January 9, 2005 to January 15, 2005

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

Fifth Third Bank, Cincinnati, Ohio -- to establish branches at 5834 Forbes Avenue, 

Pittsburgh, Pennsylvania, and 101 River Road, Barboursville, West Virginia.

- Approved, January 12, 2005 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 980 South Illinois 

Route 59, Bartlett, Illinois.

- Approved, January 13, 2005 

Cleveland

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 2800 Clearlake Road, 

Cocoa, Florida.

- Approved, January 11, 2005 

Atlanta

Bank Holding Companies

Appalachian Bancshares, Inc., Ellijay, Georgia -- relief from a commitment.

- Withdrawn, January 10, 2005 

Atlanta

Capital One Financial Corporation, McLean, Virginia -- to acquire indirectly Ranger 

Services, LLC, Overland Park, Kansas, and Automated Escrow, LLC, and thereby 

engage indirectly in residential mortgage lending and real estate settlement servicing 

activities.

- Approved, January 14, 2005 

Richmond

Community Bancshares of Mississippi, Inc. Employee Stock Ownership Plan, Brandon, 

Mississippi -- relief from a commitment.

- Granted, January 12, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority January 9, 2005 to January 15, 2005

Bank Holding Companies

Great Western Bancorp, Inc., Phoenix, Arizona -- to become a bank holding company 

and to acquire at least 45 percent of the shares of Western National Bank, a de novo 

bank.

- Approved, January 13, 2005 

San Francisco

Main Street Trust, Inc., Champaign, Illinois -- to acquire Citizens First Financial Corp., 

Bloomington, and thereby acquire Citizens Savings Bank.

- Approved, January 13, 2005 

Chicago

Mitsubishi Tokyo Financial Group, Inc., Tokyo, Japan, The Bank of Tokyo-Mitsubishi, 

Ltd., and The Mitsubishi Trust and Banking Corporation -- to acquire Central Leasing 

(U.S.A.) Inc., Florence, Kentucky; UFJ Trust Company of New York, New York, New 

York; and UFJ Futures L.L.C., Chicago, Illinois, and thereby engage in leasing personal 

or real property, providing non-depository trust company services, and acting as a futures 

commission merchant.

- Approved, January 14, 2005 

Secretary

PrimeTrust Financial Corporation, Nashville, Tennessee -- to become a bank holding 

company and to acquire PrimeTrust Bank.

- Approved, January 12, 2005 

Atlanta

SBT Bancshares, Inc., Irving, Texas, and SBT Bancshares of Delaware, Inc., 

Wilmington, Delaware -- to become bank holding companies and to acquire State Bank 

of Texas, Irving.

- Approved, January 11, 2005 

Dallas

State Financial Services Corporation, Milwaukee, Wisconsin -- to acquire shares of m2 

Lease Funds LLC, Madison, and thereby engage in leasing activities and extending credit 

and servicing loans.

- Approved, January 12, 2005 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority January 9, 2005 to January 15, 2005

Bank Mergers

IBERIABANK, Lafayette, Louisiana -- to merge with American Horizons Bank, Monroe.

- Approved, January 14, 2005 

Atlanta

Change In Bank Control

Community First Financial Corporation, Lynchburg, Virginia -- change in bank control.

- Permitted, January 14, 2005 

Richmond

Competitive Factors Reports

Farmers Savings Bank, Halbur, Iowa -- report on competitive factors of the proposed 

merger with Westside State Savings Bank, Westside.

- Submitted, January 10, 2005 

Chicago

First Federal of Northern Michigan, Alpena, Michigan -- report on competitive factors of 

the proposed mergers with Alpena Interim Savings Bank I, Alpena Interim Savings Bank 

II, and Alpena Interim Savings Bank III.

- Submitted, January 10, 2005 

Chicago

First Financial Bank, National Association, Hamilton, Ohio -- report on competitive 

factors of the proposed merger with Heritage Community Bank, Columbus, Indiana.

- Submitted, January 10, 2005 

Cleveland

The First National Bank in Staunton, Staunton, Illinois -- report on competitive factors of 

the proposed purchase of certain assets and assumption of deposit liabilities of the Mt. 

Olive, Livingston, and Mt. Clare branches of National Bank, Hillsboro.

- Submitted, January 12, 2005 

St. Louis

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority January 9, 2005 to January 15, 2005

Competitive Factors Reports

Geauga Savings Bank, Newbury, Ohio -- report on competitive factors of the proposed 

assumption of certain deposit liabilities of Pan American Bank, FSB, Burlingame, 

California.

- Submitted, January 10, 2005 

Cleveland

Home Savings Bank, Kent, Ohio -- report on competitive factors of the proposed merger 

with Hometown Interim Savings Bank.

- Submitted, January 10, 2005 

Cleveland

Peoples Federal Savings Bank, Brighton, Massachusetts -- report on competitive factors 

of the proposed mergers with Peoples Federal Interim Bank and Peoples Federal MHC 

Interim Bank.

- Submitted, January 10, 2005 

Boston

Peru Federal Savings Bank, Peru, Illinois -- report on competitive factors of the 

proposed purchase of the Peru branch of Valley Bank, Moline.

- Submitted, January 10, 2005 

Chicago

Preferred Bank, Big Lake, Minnesota -- report on competitive factors of the proposed 

merger with Home Town Mortgage, Inc, Edina; Victoria State Bank, Victoria; The Klein 

National Bank of Madison, Madison; State Bank of Young America, Norwood Young 

America; State Bank of Chanhassen, Chanhassen; First National Bank in Montevideo, 

Montevideo; The Oakley National Bank of Buffalo, Buffalo; First National Bank of 

Chaska, Chaska; and The First National Bank of Waconia, Waconia.

- Submitted, January 12, 2005 

Minneapolis

State Bank and Trust Company, Greenwood, Mississippi -- report on competitive factors 

of the proposed merger with First Bank, Baton Rouge, Louisiana.

- Submitted, January 12, 2005 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority January 9, 2005 to January 15, 2005

Extensions Of Time

Castle Creek Capital LLC, Rancho Santa Fe, California, WJR Corp., Eggemeyer Corp., 

Castle Creek Capital Partners Fund I, LP, Castle Creek Capital Partners Fund IIa, LP, 

and Castle Creek Capital Partners Fund IIb, LP -- extension to April 8, 2005, to 

acquire, directly and indirectly shares of State National Bancshares, Inc., Lubbock, 

Texas, and indirectly acquire Mercantile Bank Texas, Fort Worth.

- Granted, January 11, 2005 

San Francisco

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

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

acquired in settlement of debts previously contracted (DPC).

- Granted, January 14, 2005 

Secretary

Eggemeyer Advisory Corp., Rancho Santa Fe, California, WJR Corp., Castle Creek 

Capital LLC, and Castle Creek Capital Partners Funds I, IIa, and IIb, LP -- extensions 

to April 8, 2005, to acquire shares of State National Bancshares, Inc., Lubbock, Texas, 

and thereby acquire Mercantile Bank Texas, Fort Worth; and for State National 

Bancshares, Inc. to acquire Mercantile Bank Texas.

- Granted, January 11, 2005 

San Francisco

S&T Bancorp, Inc., Indiana, Pennsylvania -- extension to April 13, 2005, to acquire up 

to 9.9 percent of the shares of Fidelity Bancorp, Inc., Pittsburgh, and thereby acquire 

Fidelity Savings Bank.

- Granted, January 13, 2005 

Cleveland

Financial Holding Companies

Peoples Commercial Bancorp, Stilwell, Oklahoma -- election to become a financial 

holding company.

- Effective, January 10, 2005 

Kansas City

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority January 9, 2005 to January 15, 2005

Membership

One World Bank, Dallas, Texas -- to become a member of the Federal Reserve System.

- Approved, January 14, 2005 

Dallas

(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, January 15, 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) GSB, MHC, Greenfield, Massachusetts - request for prior 

approval to become a bank holding company through the 

acquisition of 100% of the voting shares of Greenfield Savings 

Bank, Greenfield, Massachusetts 

Newspaper – N/Avail 

Fed Reg – 01/10/2005 

3(a)(3) & 3(a)(1) Charter Oak Community Bank Corp., Rockville, Connecticut - 

to acquire 55% of Rockville Financial, Inc., Rockville, 

Connecticut (RFI) and for RFI to become a bank holding 

company through its acquisition of 100% of Rockville Bank, 

Rockville, Connecticut 

Newspaper – N/Avail 

Fed Reg – N/Avail 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

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

Type Application

None 

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance 

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 2 

Federal Reserve Bank of New York 

Applications and notifications filed during the week ending Saturday, January 15, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

FBSEA Banco Latinoamericano De Exportaciones, S.A., Panama City, 

Panama, to establish a representative office in Miami, Florida. 

Newspaper – N/Avail 

FBSEA Bank of Baroda,, Mumbai, India, to establish a state-licensed 

branch in Houston, Texas. 

Newspaper – N/Avail 

FBSEA MacQuarie Bank Ltd, Sydney, Australia, to establish additional 

representative offices in Irvine, California, Los Angeles, 

California, and Seattle, Washington. 

Newspaper – 02/20/2005 

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

Type Application

Ending date of 

comment period

None 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

None 
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance 

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 3 

Federal Reserve Bank of Philadelphia 

Applications and notifications filed during the week ending Saturday, January 15, 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) Prudential Mutual Holding Company, Philadelphia, PA, 

and Prudential Bancorp, Inc. of Pennsylvania, 

Philadelphia, PA, each to become bank holding companies 

in connection with the reorganization of Prudential Savings 

Bank, Philadelphia, PA, converting from a state chartered 

mutual savings bank, into a state chartered stock savings 

bank. 

Newspaper – 02/07/2005

Fed Reg – 02/11/2005 

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 Quarter of

Institution Location

None 
District 4 

Federal Reserve Bank of Cleveland 

Applications and notifications filed during the week ending Saturday, January 15, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

*18(c) & Branch Community First Bank and Trust, Celina, Ohio, to merge with 

Citizens First State Bank, Hartford City, Indiana, pursuant to 

section 18(c) of the Federal Deposit Insurance Act and incident 

thereto, establish branch offices. 

Newspaper – 01/29/2005 

*Subject to the provisions of the Community Reinvestment Act 

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

Type Application

Ending date of 

comment period

*3(a)(3) Central Bancshares, Inc., Lexington, KY to acquire First Bank, 

Inc., Louisville, KY pursuant to Section 3(a)(3) of the Bank 

Holding Company Act. 

Newspaper – N/Avail 

Fed Reg – N/Avail 

*3(a)(5) Oak Hill Financial, Inc., Jackson, Ohio, to acquire 100 percent 

of Lawrence Financial Holdings, Inc., Ironton, Ohio, and 

thereby indirectly acquire Lawrence Federal Savings Bank, 

Ironton, Ohio. 

Newspaper – 02/05/2005

Fed Reg – 02/07/2005 

*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 5 

Federal Reserve Bank of Richmond 

Applications and notifications filed during the week ending Saturday, January 15, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch River City Bank, Mechanicsville, Virginia, to establish a 

branch at 8051 Mechanicsville Turnpike, Mechanicsville, 

Virginia.* 

Newspaper – 01/24/2005 

Branch NBRS Financial, Rising Sun, Maryland, to establish a 

branch at 101 North Main Street, Bel Air, Maryland.* 

Newspaper – 01/31/2005 

*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 Quarter of

Institution Location

None 
District 6 

Federal Reserve Bank of Atlanta 

Applications and notifications filed during the week ending Saturday, January 15, 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) Community Bancshares of Mississippi, Inc. Employee Stock 

Ownership Plan, Brandon, Mississippi, to become a bank 

holding company by acquiring 58.6 percent of the Amory Series 

Bank Class Common Stock of Community Bancshares of 

Mississippi, Inc., Brandon, Mississippi.* 

Newspaper – 02/07/2005

Fed Reg – 02/03/2005 

CIC Great Financial Corporation, Miami, Florida, prior change in 

control notice filed by Mohammad Mehdi Ghomeshi, Miami, 

Florida, to acquire 27.04 percent of the outstanding shares of 

Great Financial Corporation, and its subsidiary, Great Florida 

Bank, both of Miami, Florida. Total ownership will equal 35.51 

percent. 

Newspaper – N/Avail 

Fed Reg – 02/02/2005 

*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

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 

343238 Central State Bank 

Highway 28 

Calera, Alabama 35040 

(205) 668-0711 

03/08/2004 01/11/2005 O X 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 7 

Federal Reserve Bank of Chicago 

Applications and notifications filed during the week ending Saturday, January 15, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

Ending date of 

comment period

3(a)(3) Alpha Financial Group, Inc. Employee Stock Ownership Plan, 

Toluca, Illinois, to increase its ownership up to 45.57 percent of 

Alpha Financial Group, Inc., Toluca, Illinois, and thereby 

indirectly acquire Alpha Community Bank, Toluca, Illinois.* 

Fed Reg – 02/03/2005 

Newspaper – 02/05/2005 

3(a)(3) C-B-G, Inc., West Liberty, Iowa, to acquire 24.35 percent of 

Washington Bancorp, Washington, Iowa, from two shareholders 

and thereby indirectly acquire Federation Bank, Washington, 

Iowa.* 

Fed Reg – 01/21/2005 

Newspaper – 01/24/2005 

* 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

4(c)(8) Marshall & Ilsley Corporation, Milwaukee, Wisconsin, to 

acquire, indirectly through its wholly-owned subsidiary, 

Metavante Corporation, 100 percent of the outstanding capital 

stock of Prime Associates, Inc., Clark, New Jersey, and thereby 

indirectly engage in data processing activities and management 

consulting activities. 

Fed Reg – 02/01/2005 
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 

791746 First Trust & Savings Bank 

100 W. Pine 

Marcus, Iowa 51035 

(712) 376-5511 

08/23/2004 01/04/2005 S X 

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, January 15, 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 Notice by Martin B. Rowe, Harrisburg, Illinois, individually and 

as a member of the Rowe Family Control Group to gain control 

of First Eldorado Bancshares, Inc., Eldorado, Illinois. The 

control will consist of Martin B. Rowe, the Burt H. Rowe, Jr. 

Marital Trust and the Anne Rowe Family Trust, all of 

Harrisburg, Illinois; Marianna R. Deal, Rachelle L. Rowe, 

Caroline C. Rowe, and Anne Rowe, all of St. Louis, Missouri. 

(Previously reported during the weeks ending December 11, 

2004 and January 1, 2005) 

Newspaper – 02/01/2005

Fed Reg – 01/03/2005 

CIC Notice by Magers Family Irrevocable Trust, Springfield, 

Missouri ("Trust"), to increase control of Marshfield Investment 

Company, Springfield, Missouri ("Marshfield"). Also, a control 

group consisting of Trust and its trustees, William B. Magers 

and Randall W. Magers, both of Springfield, Missouri, to 

increase their aggregate control of Marshfield. (Previously 

reported during the week ended January 8, 2005) 

Newspaper – 01/23/2005

Fed Reg – 01/26/2005 

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 Quarter of

Institution Location

None 
District 9 

Federal Reserve Bank of Minneapolis 

Applications and notifications filed during the week ending Saturday, January 15, 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)(5) Glacier Bancorp, Inc., Kalispell, Montana, to acquire 100 

percent of the voting shares of Citizens Bank Holding Company, 

Pocatello, Idaho, and thereby indirectly acquire Citizens 

Community Bank, Pocatello, Idaho.* 

Fed Reg – 02/11/2005 

Newspaper – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

None 
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance 

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

600651 American State Bank of Pierre 

Pierre, South Dakota 

10/18/2004 01/14/2005 S 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, January 15, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch Bank of Bennington, Bennington, Nebraska, to establish a 

branch at 1726 N. 120th Street, Omaha, Nebraska. 

Newspaper – 01/20/2005 

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

Type Application

Ending date of 

comment period

3(a)(1) BOKF Merger Corporation Number Eight, Tulsa, Oklahoma, to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of Valley Commerce Bancorp Ltd., 

Phoenix, Arizona, parent of Valley Commerce Bank, Phoenix, 

Arizona. 

Newspaper – 02/07/2005

Fed Reg – 02/11/2005 

3(a)(3) BOK Financial Corporation, Tulsa, Oklahoma, to acquire, 

through its subsidiary BOKF Merger Corporation Number 

Eight, Tulsa, Oklahoma, 100 percent of the voting shares of 

Valley Commerce Bancorp Ltd., Phoenix, Arizona, parent of 

Valley Commerce Bank, Phoenix, Arizona. Immediately 

thereafter, BOKF Merger Corporation Number Eight, Tulsa, 

Oklahoma, will merge into Valley Commerce Bancorp Ltd., 

Phoenix, Arizona. 

Newspaper – 02/07/2005

Fed Reg – 02/11/2005 

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 

352857 WestStar Bank 

108 S. Frontage Road West 

Vail, Colorado 81657 

10/04/2004 01/14/2005 S X 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 11 

Federal Reserve Bank of Dallas 

Applications and notifications filed during the week ending Saturday, January 15, 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 William Tyler Johnson, Jr., Sweetwater, TX, only notificant, 

to acquire an interest in Mesa Financial Corporation, 

Sweetwater, TX 

Fed Reg – 02/01/2005 

Newspaper – 01/31/2005 

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 Quarter of

Institution Location

None 
District 12 

Federal Reserve Bank of San Francisco 

Applications and notifications filed during the week ending Saturday, January 15, 2005 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch Pacific Mercantile Bank, Costa Mesa, California, to establish a 

branch facility at 3257 East Guasti Road, Ontario, California.* 

Newspaper – 01/18/2005 

* 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 Quarter of

Institution Location

None