Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 21

Week Ending May 22, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions May 16, 2004 to May 22, 2004

Bank Holding Companies

Sky Financial Group, Inc., Bowling Green, Ohio -- to acquire Second Bancorp, Inc., 

Warren, and The Second National Bank of Warren, and for Sky Financial Group's 

subsidiary, Sky Bank, Salineville, to merge with The Second National Bank of Warren 

and establish branches at its existing branch locations.

- Approved, May 21, 2004 

(AC) = Addition or Correction Board - Page 1 of 1
May 16, 2004 to May 22, 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

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 2730 Highway 412 East, 

Siloam Springs.

- Approved, May 20, 2004 

St. Louis

BankEast, Knoxville, Tennessee -- to establish a branch at 218 East Broadway Avenue, 

Maryville.

- Approved, May 17, 2004 

Atlanta

First Midwest Bank, Itasca, Illinois -- to operate a mobile branch throughout Scott 

County, Iowa.

- Approved, May 20, 2004 

Chicago

Five Points Bank of Hastings, Hastings, Nebraska -- to establish a branch at 320 South 

Burlington Avenue.

- Approved, May 21, 2004 

Kansas City

Landmark Community Bank, Pittston, Pennsylvania -- to establish a branch at the corner 

of Davis Street and Pittston Avenue, Scranton.

- Approved, May 21, 2004 

Philadelphia

The North Side Bank and Trust Company, Cincinnati, Ohio -- to establish a branch at 

11628 Springfield Pike, Springdale.

- Approved, May 17, 2004 

Cleveland

Quad City Bank and Trust Company, Bettendorf, Iowa -- to establish a branch at 1700 

Division Street, Davenport.

- Approved, May 19, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority May 16, 2004 to May 22, 2004

Bank Branches, Domestic

Regions Bank, Birmingham, Alabama -- to establish a branch at 1508 Ashley Worth 

Boulevard, Bee Cave, Texas.

- Approved, May 17, 2004 

Atlanta

Regions Bank, Birmingham, Alabama -- to establish a branch at the southwest corner of 

Churchill Drive and FM 2499, Flower Mound, Texas.

- Approved, May 18, 2004 

Atlanta

Bank Holding Companies

The Farmers State Bank of Fort Morgan Colorado Employee Stock Ownership Plan, 

Fort Morgan, Colorado -- to acquire shares of FSB Bancorporation, Inc., parent of 

Farmers State Bank.

- Approved, May 18, 2004 

Kansas City

Mount Hope Bankshares, Inc., Mount Hope, West Virginia -- request for an exemption 

under the Depository Institutions Management Interlocks Act and Regulation L.

- Granted, May 21, 2004 

General Counsel

North Fork Bancorporation, Inc., Melville, New York -- commenter's request to extend 

the comment period on the application to acquire Greenpoint Financial Corp., New York.

- Granted, May 19, 2004 

Secretary

Schuyler County Bancshares, Inc., Kirksville, Missouri -- to acquire La Plata 

Bancshares, Inc., La Plata, and La Plata State Bank.

- Approved, May 20, 2004 

St. Louis

Change In Bank Control

Alliance Financial Services, Inc., St. Paul, Minnesota -- change in bank control.

- Permitted, May 19, 2004 

Minneapolis

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority May 16, 2004 to May 22, 2004

Change In Bank Control

American Bancorp, Inc., Opelousas, Louisiana -- change in bank control.

- Permitted, May 20, 2004 

Atlanta

Competitive Factors Reports

The Bank of New York Trust Company, N.A., Miami, Florida -- report on competitive 

factors of the proposed merger with BNY Florida Interim Trust Company, N.A.

- Submitted, May 17, 2004 

Atlanta

BNY Western Trust Company, Los Angeles, California -- report on competitive factors 

of the proposed conversion to The Bank of New York Trust Company, N.A.; proposed 

merger of The Bank of New York Trust Company, N.A. with BNY Florida Interim Trust 

Company, N.A., Miami, Florida; proposed merger of BNY Trust Company of Missouri, 

St. Louis, Missouri, with BNY Missouri Interim Trust Company, N.A.; and proposed 

merger of BNY Florida Interim Trust Company and BNY Missouri Interim Trust 

Company with The Bank of New York Trust Company, N.A.

- Submitted, May 18, 2004 

San Francisco

Calvert Bank and Trust Company, Prince Frederick, Maryland -- report on competitive 

factors of the proposed mergers with The First National Bank of St. Mary's at 

Leonardtown, Leonardtown, and Bank of Southern Maryland, La Plata.

- Submitted, May 17, 2004 

Richmond

Chesapeake Interim Bank of Maryland, Baltimore, Maryland -- report on competitive 

factors of the proposed merger with Chesapeake Bank of Maryland.

- Submitted, May 17, 2004 

Richmond

The Chestertown Bank of Maryland, Chestertown, Maryland -- report on competitive 

factors of the proposed mergers with The Peoples Bank of Maryland, Denton, and St. 

Michaels Bank, St. Michaels.

- Submitted, May 17, 2004 

Richmond

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority May 16, 2004 to May 22, 2004

Competitive Factors Reports

Coquina Bank, Ormond Beach, Florida -- report on competitive factors of the proposed 

merger with CQA Interim Bank.

- Submitted, May 19, 2004 

Atlanta

County Banking and Trust Company, Elkton, Maryland -- report on competitive factors 

of the proposed merger with The Forest Hill State Bank, Bel Air.

- Submitted, May 17, 2004 

Richmond

First National Bank and Trust Company of Mountain Home, Mountain Home, 

Arkansas -- report on competitive factors of the proposed purchase of assets and 

assumption of liabilities of two branches of Bank of Pocahontas, Pocahontas.

- Submitted, May 18, 2004 

St. Louis

The First National Bank of McConnellsburg, McConnellsburg, Pennsylvania -- report on 

competitive factors of the proposed acquisition of certain deposit liabilities of the 

Hancock branch of Farmers & Merchants Bank and Trust, Hagerstown, Maryland.

- Submitted, May 18, 2004 

Philadelphia

Prosperity Bank, El Campo, Texas -- report on competitive factors of the proposed 

merger with Liberty Bank, SSB, Austin.

- Submitted, May 21, 2004 

Dallas

The Southwest National Bank of Wichita, Wichita, Kansas -- report on competitive 

factors of the proposed merger with Twin Lakes National Bank.

- Submitted, May 20, 2004 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority May 16, 2004 to May 22, 2004

Extensions Of Time

CNB Holdings, Inc., Alpharetta, Georgia -- extensions to August 23, 2004, to merge 

with First Capital Bancorp, Inc., Norcross, and thereby acquire First Capital Bank; and 

to acquire Capital Financial Software, LLC and thereby engage in data processing 

activities.

- Granted, May 20, 2004 

Atlanta

Hinsbrook Bancshares, Inc., Willowbrook, Illinois -- extension to August 12, 2004, to 

engage de novo in extending credit and servicing loans.

- Granted, May 17, 2004 

Chicago

TexasBank, Fort Worth, Texas -- extension to August 13, 2004, to merge with 

Northwest National Bank of Arlington, Arlington, and to establish a branch at 610 West 

Randol Mill Road.

- Granted, May 18, 2004 

Dallas

Financial Holding Companies

Commerzbank AG, Frankfurt am Main, Germany -- election to be treated as a financial 

holding company.

- Effective, May 21, 2004 

Director, BS&R

Dickinson Financial Corporation, Kansas City, Missouri, and Dickinson Financial 

Corporation II -- elections to become financial holding companies.

- Effective, May 20, 2004 

Secretary

Regulations And Policies

Regulation CC -- technical amendments to appendix A to reflect the restructuring of 

check processing operations in the Chicago and St. Louis Federal Reserve Districts 

(Docket No. R-1194).

- Approved, May 13, 2004 (AC)

Secretary

(AC) = Addition or Correction Delegated - Page 5 of 5
District 1 

Federal Reserve Bank of Boston 

Applications and notifications filed during the week ending Saturday, May 22, 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)/3(a)(5) The Royal Bank of Scotland Group plc, The Royal Bank of 

Scotland plc, and RBSG International Holdings Ltd., all of 

Edinburgh, Scotland and Citizens Financial Group, Inc., 

Providence, Rhode Island (CFG) - to acquire Charter One 

Financial, Inc. (Charter One Financial) and Charter One Bank, 

National Association, both of Cleveland, Ohio and to merge 

Charter One Financial with and into (CFG) 

Newspaper – 06/14/2004

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, May 22, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch 

Branch 

Bank of New York, New York, New York, to establish a branch 

office at 139 Flatbush Avenue, Brooklyn, New York. 

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

branch office at 181 East 90th Street, New York, New York. 

Newspaper – 05/30/2004

Newspaper – 06/16/2004 

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

Type Application

Ending date of 

comment period

4C8 Popular, Inc., and Popular International Bank, both of San Juan,

Puerto Rico, and Popular North America, Inc., Mount Laurel, 

New Jersey, to acquire indirect control of Quaker City Bancorp, 

Whittier, California. 

Newspaper – 05/31/2004

Fed Reg – 05/28/2004 

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, May 22, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch First Penn Bank, Philadelphia, PA, to establish a branch office at 

1032 Arch Street, Philadelphia, PA 

Newspaper – 06/01/2004 

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, May 22, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

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

Indiana Lawrence Bank, North Manchester, IN, and The Clyde 

Savings Bank, Clyde, OH, 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 - 06/09/2004 

*Branch Fifth Third Bank, Grand Rapids, MI to establish a branch at 

1402 South Route 12, Fox Lake, IL. 

Newspaper - 05/01/2004 

*Branch Fifth Third Bank, Grand Rapids, MI to establish a branch at 900 

Beasley Street, Lexington, KY. 

Newspaper - 05/01/2004 

*Branch Fifth Third Bank, Grand Rapids, MI to establish a branch at 

49895 Grand River Avenue, Wixom, MI. 

Newspaper - 05/01/2004 

*Branch Fifth Third Bank, Grand Rapids, MI to establish a branch at 

8430 Windfall Lane, Camby, IN. 

Newspaper - 05/08/2004 

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

Broadview Road and Royalton Road, Broadview Hts., OH. 

Newspaper - 05/22/2004 

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 5067 

Portage Street, N.W., North Canton, OH. 

Newspaper - 05/22/2004 

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 15530 

South Telegraph Road, Monroe, MI. 

Newspaper - 05/22/2004 

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 3739 

Navarre Avenue, Oregon, OH. 

Newspaper - 05/22/2004 

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

Garfield Road and South Bissell Road, Aurora, OH. 

Newspaper - 05/22/2004 

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

northeast corner of State Route 747 and Union Center 

Boulevard, West Chester, OH. 

Newspaper - 05/22/2004 

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

southeast corner of Snow Road and Delores Boulevard, Brook 

Park, OH. 

Newspaper - 05/22/2004 

*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)(1), *3(a)(5) Camco Financial Corporation, Cambridge, Ohio, to become a 

bank holding company by acquiring 100 percent of London 

Financial Corporation and its wholly-owned subsidiary, The 

Citizens bank of London, both of London, Ohio. 

Newspaper - N/Avail 

Fed Reg - N/Avail 

CIC Notice of Change in Bank Control by Susan Neff, Robert Neff, 

Ryan Neff, Heather Neff and Jennifer Neff-Markwell 

(collectively known as the "Neff Family") of their intent to 

retain control of 25 percent or more of the outstanding shares of 

The Citizens Bancorp, Morehead, Kentucky. 

Newspaper - 05/17/2004 

Fed Reg - 05/19/2004 

CIC Notice of Change in Bank Control by the Clay and Bernice 

Corman Family Control Group, Nicholasville, Kentucky, to 

retain 17.78% of the voting shares of Citizens National 

Bancshares, Inc., Nicholasville, Kentucky. 

Newspaper - 04/14/2004 

Fed Reg - 04/19/2004 

CIC Notice by the Elder Group and Deborah Bagenstose, Columbus, 

Ohio, to retain control of Empire Bancshares, Inc., Hicksville, 

Ohio. 

Newspaper - N/Avail 

Fed Reg - 05/18/2004 

CIC Notice of Change in Control filed by The Dlesk Family (Rosalie 

J. Dlesk and Sylvan J. Dlesk and Randall Dlesk and Jane Dlesk), 

Wheeling WV, of their intent to acquire an additional 9,000 

voting shares of First West Virginia Bancorp, Inc., Wheeling, 

WV and increase their ownership position to 161,442 shares or 

10.56% of the total shares outstanding. 

Newspaper - 05/20/2004 

Fed Reg - 06/01/2004 

*3(a)(5) Huntington Bancshares Incorporated, Columbus, Ohio, to 

acquire Unizan Financial Corp., Canton, Ohio. 

Newspaper - 04/28/2004 

Fed Reg - 04/23/2004 

*3(a)(5), 4(c)(8) National City Corporation, Cleveland, Ohio, to acquire 100 

percent of Provident Financial Group, Inc., Cincinnati, Ohio, 

and thereby indirectly acquire Provident Bank, Cincinnati, Ohio. 

Newspaper - 03/22/2004 

Fed Reg - 03/19/2004 

*18(c), *3(a)(1) North Valley Bancshares, Inc., Zanesville, Ohio, to acquire 

North Valley Bank, Zanesville, Ohio, pursuant to Section 3(a)(1) 

of the Bank Holding Company Act and North Valley Bank, 

Zanesville, Ohio, to merge with North Valley Interim Bank, 

Zanesville, Ohio, pursuant to Section 18(c) of the Federal 

Deposit Insurance Act. 

Newspaper - 05/08/2004 

Fed Reg - N/Avail 

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

*Branch 

Sky Financial Group, Inc., Bowling Green, Ohio, to acquire 

Second Bancorp, Incorporated, Warren, Ohio. 

Newspaper - 04/26/2004 

Fed Reg - N/Avail 

*18(c), *4(c)(8), 

*Branch 

Wesbanco, Inc., and WFCO, Inc., both of Wheeling, WV to 

acquire Western Ohio Financial Corporation, Springfield, OH 

and its subsidiary, Cornerstone Bank, Springfield, OH, pursuant 

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

Wesbanco Bank, Wheeling, WV to merge with Cornerstone 

Bank, pursuant to Section 18(c) of the Federal Deposit Insurance 

Act and incident thereto establish branch facilities 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. 

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, May 22, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

18(c) Southern Community Bank and Trust, Winston-Salem, North 

Carolina, to merge with The Community Bank, Pilot Mountain, 

North Carolina.* 

Newspaper – N/Avail 

Branch Waccamaw Bank, Whiteville, North Carolina, to establish a 

branch at 29 South Kerr Avenue, Wilmington, North Carolina.* 

Newspaper – 05/28/2004 

*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

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, May 22, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

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

located at 7350 Lake Underhill Road, Orlando, Florida, to be 

known as the Rio Pinar Branch.* 

Newspaper – 05/28/2004 

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

located at 4289 S. Highway 27, Clermont, Florida, to be known 

as the Kings Ridge Branch.* 

Newspaper – 05/28/2004 

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

located at 1600 Jimmie Davis Highway, Bossier City, Louisiana, 

to be known as the South Bossier Branch.* 

Newspaper – 05/28/2004 

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

located at 5767 Lee Boulevard, Lehigh Acres, Florida, to be 

known as the Colonial Crossroads Branch.* 

Newspaper – 05/28/2004 

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

located at 109 Webster Circle, Madison, Mississippi, to be 

known as the Highland Colony Branch.* 

Newspaper – 06/01/2004 

Branch Capital City Bank, Tallahassee, Florida, to establish a mobile 

branch to service Citrus, Hernando, Levy, and Pasco Counties, 

Florida.* 

Newspaper – 05/28/2004 

*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)(1) Floridian Community Holdings, Inc., Davie, Florida, to become 

a bank holding company by acquiring 100 percent of Floridian 

Community Bank, Inc., Davie, Florida.* 

Newspaper – 06/09/2004

Fed Reg – 06/11/2004 

3(a)(1) NSB Holdings, Inc., Macon, Georgia, to become a bank holding 

company by acquiring 100 percent of the outstanding shares of 

New Southern Bank, Macon, 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

4(c)(8) Bancshares of Florida, Inc., Naples, Florida (formerly Citizens 

Bancshares of Southwest Florida), to acquire 100 percent of 

Horizon Financial Corp., and its subsidiary, Horizon Bank, FSB, 

both of Pembroke Pines, Florida, and thereby engage in 

operating a savings association.* 

Newspaper – 06/05/2004

Fed Reg – 06/17/2004 

*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. 
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 7 

Federal Reserve Bank of Chicago 

Applications and notifications filed during the week ending Saturday, May 22, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch Marquette Bank, Chicago, Illinois, to establish a branch facility 

to be located at 9503 S. Roberts Road, Hickory Hills, 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

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

Southern Bancorp, Escondido, California, to acquire 51 percent 

of the voting shares of Point Loma Community Bank (in 

organization), San Diego, California.* 

Fed Reg – N/Avail 

Newspaper – N/Avail 

3(a)(3) Metropolitan Bank Group, Inc., Chicago, Illinois, to acquire 100 

percent of the voting shares of Citizens Bank - Illinois, National 

Association, Berwyn, Illinois.* 

Fed Reg – 06/11/2004 

Newspaper – 06/09/2004 

CIC Notice by Darin J. Johnson, Sutherland, Iowa, to gain control of 

Old O'Brien Banc Shares,Inc., Sutherland,Iowa, and thereby 

indirectly Security State Bank, Sutherland, Iowa, and Hawarden 

Banking Company, Hawarden, Iowa. 

Fed Reg – 05/26/2004 

Newspaper – N/Avail 

3(a)(3) Parkway Bancorp, Inc., Harwood Heights, Illinois, to acquire 

100 percent of the voting shares of United Arizona Bank, 

National Association, Cave Creek, Arizona.* 

Fed Reg – 06/07/2004 

Newspaper – N/Avail 

CIC Notice by Paul E. Menzel, Hartland, Wisconsin, to retain 19.32 

percent of Ridgestone Financial Services, Inc., Brookfield, 

Wisconsin, and thereby indirectly control Ridgestone Bank, 

Brookfield, Wisconsin. 

Fed Reg – 06/03/2004 

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

4(c)(8) Hasten Bancshares, Inc., Indianapolis, Indiana, proposes to 

engage de novo in extending credit and servicing loans. 

Fed Reg – N/Avail 

4(c)(8) Irwin Financial Corporation, Columbus, Indiana, proposes to 

acquire 51 percent ownership interest in Waterway Financial, 

LLC, Grandville, Michigan, through its indirect subsidiary Irwin 

Mortgage Corporation, and thereby engage in mortgage 

origination and mortgage brokering activities. 

Fed Reg – N/Avail 

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

to acquire indirectly through its wholly-owned subsidiary, 

Metavante Corporation, 100 percent of the outstanding capital 

stock of NYCE Corporation, Montvale, New Jersey, and to 

acquire Everlink Payment Services, Inc., a majority-owned 

subsidiary of NYCE operating in Canada, and therefore engage 

in certain data processing activities abroad. 

Fed Reg – N/Avail 

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

to acquire indirectly through its wholly-owned subsidiary, 

Metavante Corporation, all of the outstanding capital stock of 

Advanced Financial Solutions, Inc., and all of the limited 

liability company interests of CheckClear L.L.C., and Medical 

Banking Exchange L.L.C., all located in Oklahoma City, 

Oklahoma. 

Fed Reg – 06/10/2004 

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

Type Application

4(c)(8) Privatebancorp, Inc., Chicago, Illinois, to acquire 100 percent of 

the voting shares of Corley Financial Corporation, Chicago, 

Illinois, and thereby engage in extending credit and servicing 

loans. 
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 

977942 Hedrick Savings Bank 

216 S. Market St. 

Ottumwa, Iowa 52501 

(641) 683-1300 

11/17/2003 05/20/2004 O 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, May 22, 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 Commonwealth Bancshares, Inc., Louisville, Kentucky, to retain 

100 percent of First Security Trust Bank, FSB, Florence, 

Kentucky, which will be renamed First Security Trust Bank, 

Inc., Florence, Kentucky, upon it conversion to a state chartered 

bank. (Previously submitted during the week ending May 15, 

2004.)* 

Newspaper – 06/14/2004

Fed Reg – 06/17/2004 

* 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 3rd Quarter of 2004 

Institution Location

The First State Bank of Dongola Dongola, Illinois 

Fayette County Bank St. Elmo, Illinois 

Century Bank of the Ozarks Gainsville, Missouri 

Bank of Hillsboro Hillsboro, Missouri 

First Bank St. Louis, Missouri 

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances. 
District 9 

Federal Reserve Bank of Minneapolis 

Applications and notifications filed during the week ending Saturday, May 22, 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

CIC John Wesley Templer Sr. and Jacqueline Sue Templer, 

Amarillo, Texas, to acquire control of Western Dakota Holding 

Company, Timber Lake, South Dakota, and thereby indirectly 

acquire control of Western Dakota Bank, Timber Lake, South 

Dakota. 

Fed Reg – 05/13/2004 

Newspaper – 06/20/2004 

3(a)(3) Waumandee Bancshares, Ltd., Waumandee, Wisconsin, 

proposes to acquire First State Bank, Fountain City Wisconsin.* 

Fed Reg – 06/03/2004 

Newspaper – 06/04/2004 

*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

4(c)(8) Hopkins Financial Corporation, Mitchell, South Dakota, 

proposes to engage de novo in lending activities 

Fed Reg – 06/09/2004 

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 

None 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 10 

Federal Reserve Bank of Kansas City 

Applications and notifications filed during the week ending Saturday, May 22, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch Community Banks of the Rockies, La Jara, Colorado, to 

establish a branch at 339 E. Highway 50, Suite 103, Salida, 

Colorado. 

Newspaper – 05/03/2004 

Branch Community Banks of the Rockies, La Jara, and Colorado, to 

establish a branch at 500 State Street, Alamosa, Colorado. 

Newspaper – 05/03/2004 

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

Type Application

Ending date of 

comment period

3(a)(1) Centennial C Corp, Rancho Santa Fe, California, to become a 

bank holding company through the acquisition of 100 percent of 

the voting shares of Centennial Bank Holdings, Inc., Fort 

Collins, Colorado, parent of Centennial Bank of the West, Fort 

Collins, Colorado. 

Newspaper – 06/08/2004

Fed Reg – 06/03/2004 

CIC Notice by Margaret J. Platter, Shawnee Mission, Kansas, to 

acquire control of SCC Bancshares, Inc., Fairway, Kansas, 

parent of Saint Clair County State Bank, Osceola, Missouri. 

Newspaper – 06/03/2004

Fed Reg – 06/07/2004 

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 11 

Federal Reserve Bank of Dallas 

Applications and notifications filed during the week ending Saturday, May 22, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch PlainsCapital Bank, Lubbock, TX, to establish a branch at 

70 Northeast Loop 410, San Antonio, TX 78216* 

Newspaper – 06/04/2004 

Branch Texas Coastal Bank, Pasadena, TX, to establish a branch at 

102 West Pasadena Boulevard, Deer Park, TX 77536* 

Newspaper – 05/30/2004 

* 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) Central Texas Bankshare Holdings, Inc., Columbus, TX, and 

Colorado County Investment Holdings, Inc., Wilmington, DE, 

to acquire Hill Bancshares Holdings, Inc., Weimar, TX, and 

Hill Bank & Trust Company, Weimar, TX* 

Fed Reg – 06/18/2004 

Newspaper – 06/12/2004 

* 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 12 

Federal Reserve Bank of San Francisco 

Applications and notifications filed during the week ending Saturday, May 22, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

18C 

Branch 

Placer Sierra Bank, Auburn, California, to merge with Bank of 

Orange County, Orange, California, and thereby acquire 9 

branch offices of Bank of Orange County, all located in 

California.* 

Newspaper – 06/11/2004 

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

branch facility at 211 East Ocean Boulevard, Suite 110, Long 

Beach, California.* 

Newspaper – 05/29/2004 

* 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) Franklin Resources, Inc., San Mateo, California, to acquire 

14.12 percent of Centennial C Corp, Rancho Santa Fe, 

California, and thereby indirectly acquire Centennial Bank of the 

West, Fort Collins, Colorado.* 

Newspaper – 06/19/2004

Fed Reg – 06/25/2004 

* 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

Member Auburn Community Bank, Auburn, California, 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