Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 4

Week Ending January 24, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions January 18, 2004 to January 24, 2004

Regulations And Policies

Community Reinvestment Act Regulations -- publication for comment of proposed 

interagency revisions.

- Approved, January 21, 2004 

(AC) = Addition or Correction Board - Page 1 of 1
January 18, 2004 to January 24, 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

1st Source Bank, South Bend, Indiana -- to establish a branch at 926 Erskine Plaza.

- Approved, January 23, 2004 

Chicago

Equity Bank, Marlton, New Jersey -- to establish a branch at 160 Mount Holly By-Pass 

and Route 541, Lumberton.

- Approved, January 20, 2004 

Philadelphia

Equity Bank, Marlton, New Jersey -- to establish a branch at Shops at Springton Pointe, 

Route 252, Newton Square, Pennsylvania.

- Approved, January 20, 2004 

Philadelphia

Pulaski Bank and Trust Company, Little Rock, Arkansas -- to establish a branch at 1605 

North Germantown Parkway, Memphis, Tennessee.

- Approved, January 22, 2004 

St. Louis

Riverside Bank of the Gulf Coast, Cape Coral, Florida -- to establish a branch at 5266 

Golden Gate Parkway, Naples.

- Approved, January 23, 2004 

Atlanta

Saline State Bank, Wilber, Nebraska -- to relocate a branch from 82nd Street between 

Pine Lake and Highway 2, Lincoln, to 5620 South 48th Street.

- Approved, January 23, 2004 

Kansas City

Simmons First Bank of Russellville, Russellville, Arkansas -- to establish a branch at 1320 

West Main Street, Clarksville.

- Approved, January 22, 2004 

St. Louis

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority January 18, 2004 to January 24, 2004

Bank Holding Companies

Bayerische Hypo- und Vereinsbank AG, Munich, Germany, and Munchener 

Ruckversicherungs- Gesellschaft AG -- to engage de novo through HVB Global Assets 

Company, L.P. in extending and servicing loans or other extensions of credit.

- Approved, January 22, 2004 

New York

Bank Mergers

Community Capital Corporation, Greenwood, South Carolina -- to acquire Abbeville 

Capital Corporation, Abbeville, and thereby acquire The Bank of Abbeville, and for 

CapitalBank, Greenwood, to merge with The Bank of Abbeville.

- Approved, January 20, 2004 

Richmond

IBERIABANK, Lafayette, Louisiana -- to merge with Alliance Bank of Baton Rouge, 

Baton Rouge.

- Approved, January 22, 2004 

Atlanta

The Patapsco Bank, Dundalk, Maryland -- to merge with Parkville Federal Savings 

Bank, Baltimore, a federally chartered savings bank.

- Approved, January 23, 2004 

Richmond

Unionbank, Streator, Illinois -- to merge with Unionbank/Northwest, Hanover, and 

Unionbank/West, Macomb, and thereby establish seven branches.

- Approved, January 21, 2004 

Chicago

Change In Bank Control

CenterState Banks of Florida, Inc., Winter Haven, Florida -- change in bank control.

- Permitted, January 23, 2004 

Atlanta

Eitzen Independents, Inc., Eitzen, Minnesota -- change in bank control.

- Permitted, January 23, 2004 

Minneapolis

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority January 18, 2004 to January 24, 2004

Competitive Factors Reports

The Bank of Alice, Alice, Texas -- report on competitive factors of the proposed 

acquisition of the branch of First Community Bank, Corpus Christi, located at 300 East 

Main Street, Benavides.

- Submitted, January 22, 2004 

Dallas

Border Bancshares, Inc., South China, Maine -- report on competitive factors of the 

proposed acquisition by its subsidiary, Border Trust Company, of deposits and certain 

assets and liabilities of the Main Street, Jackman, branch of UnitedKingfield Bank, 

Bangor, and the proposed consolidation of the acquired activities into Border Trust 

Company's existing branch at Main Street, Jackman.

- Submitted, January 20, 2004 

Boston

Camden National Corporation, Camden, Maine -- report on competitive factors of the 

proposed acquisition by its subsidiary, UnitedKingfield Bank, Bangor, of deposits and 

certain assets and liabilities of the Pritham Avenue, Greenville, branch of Border Trust 

Company, South China, and for UnitedKingfield Bank to consolidate the acquired 

banking activities into UnitedKingfield's existing branch at Main Street, Greenville.

- Submitted, January 20, 2004 

Boston

Colony Bank Ashburn, Ashburn, Georgia -- report on competitive factors of the 

proposed purchase of the Thomaston branch of Flag Bank, Atlanta.

- Submitted, January 21, 2004 

Atlanta

Osage Federal Savings and Loan Association of Pawhuska, Pawhuska, Oklahoma -- 

report on competitive factors of the proposed reorganization into a three-tiered mutual 

holding company structure.

- Submitted, January 21, 2004 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority January 18, 2004 to January 24, 2004

Competitive Factors Reports

The Prudential Savings Bank, FSB, Atlanta, Georgia -- report on competitive factors of 

the proposed merger with Prudential Bank and Trust Company and with CIGNA Bank 

and Trust Company, FSB, Hartford, Connecticut.

- Submitted, January 21, 2004 

Atlanta

Sabine State Bank and Trust Company, Many, Louisiana -- report on competitive factors 

of the proposed acquisition of branches of Hancock Bank of Louisiana, Baton Rouge, 

located at 1125 7th Avenue, Glenmora; 306 Walnut Street, Bunkie; 516 Main Street, 

Mamou; and 401 East 5th Street, Oakdale.

- Submitted, January 20, 2004 

Dallas

Town & Country Bank, Salem, Missouri -- report on competitive factors of the proposed 

acquisition of the Mountain Grove branch and two Ava branches of Union Bank, Kansas 

City.

- Submitted, January 20, 2004 

St. Louis

Extensions Of Time

First Centralia Bancshares, Inc., Centralia, Kansas -- extension to April 29, 2004, to 

acquire, directly and indirectly, voting shares in Century Capital Financial, Inc., Kilgore, 

Texas, and its subsidiary bank, City National Bank; and FBC Financial Corporation, 

Claremore, Oklahoma, and its subsidiary thrift, 1st Bank Oklahoma.

- Granted, January 23, 2004 

Kansas City

State Bank Corporation, Lake Havasu City, Arizona -- extension to April 22, 2004, to 

become a bank holding company through the acquisition of Mohave State Bank.

- Granted, January 21, 2004 

San Francisco

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority January 18, 2004 to January 24, 2004

Membership

Community Bank of West Georgia, Villa Rica, Georgia -- to become a member of the 

Federal Reserve System.

- Approved, January 20, 2004 

Atlanta

Regulations And Policies

Systems of Records -- request for comment on proposed amendments to three systems 

of records, Payroll and Leave, Biographical File of Federal Reserve Bank Officers, and 

Federal Reserve System Bank Supervision Staff Qualifications (Docket No. OP-1177).

- Approved, December 17, 2003 (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, January 24, 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, January 24, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

branch office at 111-121 River Street, Hoboken, New Jersey.

Newspaper – 02/11/2004

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

branch office at 4155 Memorial Highway, Ronkonkoma, New 

York.

Newspaper – 02/23/2004

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

branch office at 106 Seventh Street, Garden City, New York.

Newspaper – 02/15/2004

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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, January 24, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch East Penn Bank, Emmaus, PA, to establish a branch office 

located at 18 South Second Street, Borough of Emmaus, 

Lehigh County, PA.

Newspaper – 02/09/2004

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, January 24, 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) PSB Holdings, Inc., New Matamoras, Ohio, proposes to become 

a bank holding company through the acquisition of The Peoples 

Savings Bank, New Matamoras, Ohio.

Newspaper - 12/04/2003

Fed Reg - 12/01/2003

*Branch Provident Bank, Cincinnati, Ohio to establish a branch at the 

Union Centre Shopping Center, which is located at the southeast 

corner of the intersection of Union Center Boulevard and State 

Route 747, West Chester Township, Ohio.

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 paper notice

Type Application

None
Section V – Availability of CRA public evaluations

The Community Reinvestment Act is tended 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 24, 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)(5) Provident Bankshares Corporation, Baltimore, Maryland, to 

merge with Southern Financial Bancorp, Inc., Warrenton, 

Virginia.*

Fed Reg – N/Avail 

Newspaper – N/Avail

4(c)(8) Provident Bankshares Corporation, Baltimore, Maryland, to 

acquire 100% of the voting shares of Essex Savings Bank, 

F.S.B., Norfolk, Virginia.*

Fed Reg – N/Avail 

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) Provident Bankshares Corporation, Baltimore, Maryland, to 

acquire 100% of the voting shares of Southern WebTech.com, 

Inc., Warrenton, Virginia.

Fed Reg – N/Avail 

4(c)(8) Provident Bankshares Corporation, Baltimore, Maryland, to 

acquire 24.9% of LoanCare Servicing Center, Inc., Norfolk, 

Virginia.

Fed Reg – N/Avail 

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

844820 Bank of Tazewell County

846 East Fincastle Turnpike

Tazewell, Virginia 24651

11/03/2003 01/18/2004 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, January 24, 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 US19/Berkeley Manor Commercial Center, Spring 

Hill, Florida, to be known as the Commercial Way Branch.*

Newspaper – 01/30/2004

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

located at 2626 Enterprise Road, Orange City, Florida, to be 

known as the Orange City Branch.*

Newspaper – 01/30/2004

Branch LandMark Bank of Florida, Sarasota, Florida, to establish a 

branch located at 5201 Bahia Vista Street, Sarasota, Florida, to 

be known as the LandMark Bank of Florida Sunnyside Village 

Office.*

Newspaper – 01/27/2004

*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) Bainbridge Bancshares, Inc., Bainbridge, Georgia, to become a 

bank holding company by acquiring First National Bank of 

Decatur County, Bainbridge, Georgia (in organization).*

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1) Allied Bancshares, Inc., Cumming, Georgia, to become a bank 

holding company by acquiring First National Bank of Forsyth 

County, Cumming, Georgia (in organization).*

Newspaper – N/Avail

Fed Reg – N/Avail

*Subject to 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) CNB Holdings, Inc., Alpharetta, Georgia, to engage in data 

processing activities, through its subsidiary, Capital Financial 

Software, LLC, Norcross, Georgia.

Fed Reg – N/Avail
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

COM Community Bancshares of Mississippi, Inc., Brandon, 

Mississippi, commitment waiver request.

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

358635 The Bank

Post Office Box 490

Birmingham, Alabama 35180

(205) 714-5700

08/25/2003 01/18/2004 S 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 24, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C & Branches Iowa State Bank, Hull, Iowa, to purchase the assets and assume 

the liabilities of the Paullina, Iowa branch office of American 

Interstate Bank, Manning, Iowa, and thereby to establish a 

branch at 105 North Main, Paullina, Iowa.*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Capitol Bancorp, Ltd., Lansing, Michigan, to acquire 100 

percent of the voting shares of First Carolina State Bank, Rocky 

Mount, North Carolina.*

Fed Reg – 02/02/2004

Newspaper – N/Avail

CIC Notice by Steven D. Dehnert, Lake Mills, Wisconsin, Cheryl A. 

Dobson, Fort Atkinson, Wisconsin, and Steven R. Hein, 

Edgerton, Wisconsin, as trustees, to acquire control of 9,947 

shares of Citizens Financial Corporation Employee Stock 

Ownership Plan and Trust, and thereby indirectly acquire 

Citizens Bank and Trust Company, Fort Atkinson, Wisconsin.

Fed Reg – 02/12/2004

Newspaper – 02/04/2004

CIC Notice by Charles A. Kennedy, Bancroft, Iowa, individually and 

acting in concert with Teresa R. Kennedy, also of Bancroft, 

Iowa, to gain control of Kennedy Bancshares, Inc., Bancroft, 

Iowa, and thereby indirectly The Farmers and Traders Savings 

Bank, Bancroft, Iowa.

Fed Reg – 02/04/2004

Newspaper – N/Avail

3(a)(3) Mainsource Financial Group, Greensburg, Indiana, to acquire 

100 percent of the voting shares of Peoples Financial 

Corporation, Linton, Indiana, and thereby indirectly acquire 

Peoples Trust Company, Linton, Indiana.*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(1) Maximum Bancshares, Inc., Huxley, Iowa, to become a bank 

holding company by acquiring 100 percent of First State Bank, 

Huxley, Iowa.*

Fed Reg – 02/16/2004

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

Type Application

Ending date of

comment period

3(a)(1) NRBC Holding Corporation, Chicago, Illinois, to become a bank 

holding company by acquiring 100 percent of the outstanding 

shares of National Republic Bank of Chicago, Chicago, 

Illinois.*

Fed Reg – N/Avail

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

8547 Heritage Community Bank

426 Washington Street

Columbus, Indiana 47201

(812) 375-5192

09/08/2003 01/21/2004 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 24, 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 Notice by Amy Golden McCay, Little Rock, Arkansas, to retain 

control of ACME Holding Company, Inc., Mulberry, Arkansas, 

by becoming part of the Golden family control group. The 

control group currently consists of Alexander P. Golden III and 

Alexander P. Golden IV, both of Little Rock, Arkansas.

Newspaper – 01/30/2004

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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, January 24, 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 Retroactive change in control notice by Erik McBride 

Thompson, Las Vegas, Nevada, to retain control of Milan 

Agency, Inc., Milan, Minnesota, and thereby indirectly retain 

control of Prairie Sun Bank in Milan, Milan, Minnesota.

Fed Reg – N/Avail

Newspaper – 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 applic ation 

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

648055 Valley Bank of Helena, 

Helena, Montana

09/29/2003 01/21/2004 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, January 24, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Adams Bank & Trust, Ogallala, Nebraska, to merge with The 

Vista Bank, Colorado Springs, Colorado, and incident thereto, to 

establish two branches.

Newspaper - 02/15/2004

Branch Anadarko Bank & Trust Company, Anadarko, Oklahoma, to 

establish a branch at 328 E. 4th, Carnegie, Oklahoma.

Newspaper - 01/29/2004

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

Type Application

Ending date of

comment period

3(a)(1) First Pioneer Holding, Inc., Denver, Colorado, to become a bank 

holding company through the retention of 100 percent of the 

voting shares of First Western Trust Bank, Denver, Colorado (in 

organization).

Newspaper - 02/09/2004

Fed Reg - 02/09/2004

CIC Notification by David D. and Kristine A. Gale, Lincoln, 

Nebraska; David E. Rogers, Omaha, Nebraska; Jon C. and 

Deonne L. Bruning, Lincoln, Nebraska; Edward J. and Marliss 

G. Miller, Nebraska City, Nebraska; Paul and Andrea 

Mengedoth, Overland Park, Kansas; Roger and Mary Bruning, 

Lincoln, Nebraska; and Jennifer and David Brown, Mountain 

View, California, to acquire control of Davenport Community 

Bancshares, Inc., parent of Jennings State Bank, both of 

Davenport, Nebraska.

Newspaper - N/Avail 

Fed Reg - 02/11/2004

CIC Notification by Scott Smiley, Avondale, Colorado, as trustee of 

the Carl W. Smiley Trust #1; Carl W. Smiley Trust #2; Julia 

Smiley Trust; Ward B. Smiley Trust A; and the Ward B. Smiley 

Trust B, to acquire control of First Norton Corporation, Norton, 

Kansas, parent of First Security Bank & Trust Company, 

Norton, Kansas.

Newspaper - 02/06/2004

Fed Reg - 02/03/2004
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

463351 Olathe State Bank

500 Highway 50, Business Loop

Olathe, Colorado 81425

10/20/2003 01/22/2004 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 24, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First State Bank, Keene, TX, to establish a branch at 224 West 

Katherine P. Raines Drive, Cleburne, TX 76033*

Newspaper – 01/30/2004

Branch PlainsCapital Bank, Lubbock, TX, to establish a branch at 1629 

West Hebron Parkway, Carrollton, TX 75010*

Newspaper – 02/05/2004

*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

Member 

Withdrawal

Sun Bank, Sunray, TX, request to voluntarily withdraw from 

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

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, January 24, 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

Investment Zions First National Bank, Salt Lake City, Utah, to establish 

Zions Bank International, Las Vegas, Nevada, as an Edge 

Corporation, and a wholly owned subsidiary, Van der Moolen 

UK Limited, a foreign organization.

Fed Reg – 02/23/2004

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