Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 27 

Week Ending July 7, 2001 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions July 1, 2001 to July 7, 2001 

Bank Holding Companies 

Citigroup Inc. and Citicorp, New York, New York, and Citigroup Holdings Company, 

Wilmington, Delaware -- to acquire European American Bank, Uniondale, New York. 

- Approved, July 2, 2001 

Harrodsburg First Financial Bancorp, Inc., Harrodsburg, Kentucky -- to acquire shares 

of Citizens Financial Bank, Inc., Glasgow, and to retain ownership of First Financial 

Bank, Harrodsburg. 

- Approved, July 2, 2001 

Enforcement 

Bankers Trust Company, New York, New York -- issuance of a cease and desist order 

against Harvey Plante, a former officer and institution-affiliated party. 

- Announced, July 2, 2001 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority July 1, 2001 to July 7, 2001 

BS&R 

C&CA 

FOMC 

Banking Supervision and Regulatio 

Consumer and Community Affai 

Federal Open Market Committ 

RBOPS 

IF 

OSDM 

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Managemen

Bank Branches, Domestic 

Richmond 

Alliance Bank Corporation, Fairfax, Virginia -- to establish a branch at 9150 Manassas 

Drive, Manassas Park. 

- Approved, July 5, 2001 

Kansas City 

BancFirst, Oklahoma City, Oklahoma -- to establish a branch at 6200 Waterford 

Boulevard. 

- Approved, July 6, 2001 

Richmond 

The Bank of Romney, Romney, West Virginia -- to establish a branch at 63 Winchester 

Street, Paw Paw. 

- Approved, July 3, 2001 

Secretary 

Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 1730 Dickerson 

Boulevard, Suite A, Monroe. 

- Approved, July 2, 2001 

Richmond 

Farmers & Mechanics Bank, Frederick, Maryland -- to establish a branch at 206 

Ridgeville Boulevard, Mt. Airy. 

- Approved, July 5, 2001 

San Francisco 

Farmers & Merchants Bank, Long Beach, California -- to establish branches at 27525 

Indian Peak Road, Rolling Hills Estates, and 22400 Torrance Boulevard, Torrance. 

- Approved, July 3, 2001 

(AC) = Addition or Correction Delegated - Page 1 of 7 
H.2 Actions under delegated authority July 1, 2001 to July 7, 2001 

Bank Branches, Domestic 

Minneapolis 

First Security Bank of Missoula, Missoula, Montana -- to purchase certain assets and 

assume certain liabilities of four Missoula branches and one Hamilton branch of Western 

Security Bank, Billings; and thereby establish branches at 320 West Broadway Street, 

Missoula, 100 East Broadway Street, 2601 Garfield Street, and 3045 North Reserve 

Street; and 501 North First Street, Hamilton. 

- Approved, July 6, 2001 

Minneapolis 

Glacier Bank, Kalispell, Montana -- to purchase certain assets and assume certain 

liabilities of the Anaconda and Butte branches of Western Security Bank, Billings; and 

thereby establish branches at 307 East Park Street, Anaconda, and 1880 Harrison 

Avenue, Butte. 

- Approved, July 6, 2001 

Richmond 

Metro-County Bank of Virginia, Inc., Mechanicsville, Virginia -- to establish a branch at 

300 England Street, Ashland. 

- Approved, July 5, 2001 

Bank Holding Companies 

Atlanta 

ABC Bancorp, Inc., Moultrie, Georgia -- to merge with Golden Isles Financial Holdings, 

Inc., St. Simons Island, and thereby acquire The First Bank of Brunswick, Brunswick. 

- Approved, July 5, 2001 

Secretary 

Citgroup Inc. and Citicorp, New York, New York, and Citigroup Holdings Company, 

Wilmington, Delaware -- commenter's request to extend the comment period for the 

proposed acquisition of shares of Grupo Financiero Banamex-Accival, S.A. de C.V., 

Mexico City, Mexico. 

- Denied, July 6, 2001 

(AC) = Addition or Correction Delegated - Page 2 of 7 
H.2 Actions under delegated authority July 1, 2001 to July 7, 2001 

Bank Holding Companies 

San Francisco 

First Coastal Bancshares, El Segundo, California -- relief from a commitment in 

connection with the application to acquire First Coastal Bank N.A. 

- Granted, June 28, 2001 (AC) 

Chicago 

Henry State Bancorp, Inc., Henry, Illinois -- to become a bank holding company through 

the acquisition of Henry State Bank. 

- Approved, July 6, 2001 

Kansas City 

Raton Capital Corporation, Raton, New Mexico -- to acquire Trinidad Capital 

Corporation, Trinidad, Colorado. 

- Approved, July 3, 2001 

Secretary 

SunTrust Banks, Inc., Atlanta, Georgia -- commenter's request to extend the comment 

period on the proposed acquisition of Wachovia Corporation, Winston-Salem, North 

Carolina. 

- Granted, July 3, 2001 

Kansas City 

Trinidad Capital Corporation, Trinidad, Colorado -- to become a bank holding company 

through the acquisition of shares of International Bank. 

- Approved, July 3, 2001 

Bank Mergers 

Minneapolis 

Big Sky Western Bank, Gallatin Gateway, Montana -- to purchase certain assets and 

assume certain liabilities of the branch of Western Security Bank, Billings, at 2901 West 

Main Street, Bozeman. 

- Approved, July 6, 2001 

(AC) = Addition or Correction Delegated - Page 3 of 7 
H.2 Actions under delegated authority July 1, 2001 to July 7, 2001 

Bank Mergers 

Minneapolis 

Glacier Bank, Kalispell, Montana -- to purchase certain assets and assume certain 

liabilities of the Kalispell branch of Western Security Bank, Billings. 

- Approved, July 6, 2001 

Banks, Foreign 

New York 

Dexia S.A., Brussels, Belgium -- to acquire Artesia Mortgage Capital Corporation, 

Issaqua, Washington, and Artesia Mortgage CMBS, Inc.; Artesia Delaware Inc., 

Wilmington, Delaware, and Artesia North America, Inc. and thereby engage in extending 

credit and servicing loans, activities related to extending credit, and investment 

transactions as a principal in connection with hedging activities. 

- Approved, July 2, 2001 

New York 

Israel Discount Bank Limited, Tel Aviv, Israel, and Discount Bancorp, Inc., New York, 

New York -- to engage de novo, through IDB Mortgage Corp., New York, in residential 

mortgage lending activities. 

- Approved, July 5, 2001 

Banks, Nonmember, And Miscellaneous Institutions 

San Francisco 

Montecito Bank & Trust, Santa Barbara, California -- request for waiver of application in 

connection with the proposed merger with Valley Oaks National Bank, Solvang. 

- Returned, July 6, 2001 

Banks, State Member 

Kansas City 

The Bank at Broadmoor, Colorado Springs, Colorado -- to invest in bank premises. 

- Approved, July 2, 2001 

Change In Bank Control 

St. Louis 

First Security, Inc., Owensboro, Kentucky -- change in bank control. 

- Permitted, July 2, 2001 

(AC) = Addition or Correction Delegated - Page 4 of 7 
H.2 Actions under delegated authority July 1, 2001 to July 7, 2001 

Change In Bank Control 

Chicago 

Swea City Bancorporation, Inc., Estherville, Iowa -- change in bank control. 

- Permitted, July 2, 2001 

Competitive Factors Reports 

Chicago 

Bank of Commerce, Downers Grove, Illinois -- report on competitive factors of the 

proposed merger with Republic Bank of Downers Grove, a de novo bank. 

- Submitted, July 6, 2001 

Chicago 

Bank One, Arizona, National Association, Phoenix, Arizona -- report on competitive 

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

Bank One, National Association, Chicago, Illinois, and Bank One, Michigan, Detroit, 

Michigan. 

- Submitted, July 3, 2001 

Chicago 

Bank One, National Association, Chicago, Illinois -- report on competitive factors of the 

proposed purchase of certain assets and assumption of certain liabilities of Bank One, 

Arizona, National Association, Phoenix, Arizona; Bank One, Michigan, Detroit, 

Michigan; and American National Bank & Trust Company of Chicago, Chicago, Illinois. 

- Submitted, July 3, 2001 

Chicago 

Exchange State Bank, Adair, Iowa -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of the Winterset, Iowa, branch of 

Commercial Federal Bank, a Federal Savings Bank, Omaha, Nebraska. 

- Submitted, July 3, 2001 

Chicago 

First National Bank in Tremont, Tremont, Illinois -- report on competitive factors of the 

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

Holland, Illinois, branch of Union Planters Bank, National Association, Memphis, 

Tennessee. 

- Submitted, July 3, 2001 

(AC) = Addition or Correction Delegated - Page 5 of 7 
H.2 Actions under delegated authority July 1, 2001 to July 7, 2001 

Competitive Factors Reports 

Chicago 

Independent Bank-MSB, Bay City, Michigan -- report on competitive factors of the 

proposed merger with Independent Bank, Ionia. 

- Submitted, July 6, 2001 

San Francisco 

Los Padres Bank, Solvang, California -- report on competitive factors of the proposed 

acquisition of the Mission, Kansas, branch of Harrington Bank, FSB, Richmond, Indiana. 

- Submitted, July 5, 2001 

Chicago 

Michigan National Bank, Farmington Hills, Michigan -- report on competitive factors of 

the proposed merger with Standard Federal Bank, Troy. 

- Submitted, July 3, 2001 

Boston 

Norway Savings Bank, Norway, Maine -- report on competitive factors of the proposed 

merger with Coastal Bank, Portland. 

- Submitted, July 2, 2001 

Philadelphia 

Progress Bank, Blue Bell, Pennsylvania -- report on competitive factors of the proposed 

acquisition of the Hunterdon County, New Jersey, and Bucks County, Pennsylvania, 

branches of Main Street Bank, Reading. 

- Submitted, July 3, 2001 (AC) 

Extensions Of Time 

Chicago 

Ames National Corporation, Ames, Iowa -- extension to October 5, 2001, to retain its 

5.39 percent investment in Mahaska Investment Company, Oskaloosa, and to acquire up 

to 10 percent of the shares of Mahaska and thereby indirectly acquire Midwest Federal 

Savings and Loan Association of Eastern Iowa, Burlington, and Central Valley Bank, 

Ottumwa. 

- Granted, July 2, 2001 

(AC) = Addition or Correction Delegated - Page 6 of 7 
H.2 Actions under delegated authority July 1, 2001 to July 7, 2001 

Extensions Of Time 

Dallas 

Bryan Family Management Trust, Bryan, Texas, and Bryan Heritage Limited 

Partnership -- extension to October 9, 2001, to acquire The First National Bank of 

Bryan. 

- Granted, July 6, 2001 

(AC) = Addition or Correction Delegated - Page 7 of 7 
District 1
 

Federal Reserve Bank of Boston
 

Applications and notifications filed during the week ending Saturday, July 7, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, July 7, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Representative China Merchants Bank, Shenzhen, People’s Republic of China, 

Office to establish a representative office in New York, New York.* 

Representative Banca Comerciala Romana S.A., Bucharest, Romania, to 

Office establish a representative office in New York, New York.* 

Branch	 NCF Bank Plc (formerly known as Nordea Companies Finland 

(NCF) Plc formerly known as MeritaNordbanken Plc), to 

establish a state-licensed branch at 437 Madison Avenue, New 

York, New York. 

Branch	 HSBC Bank USA, Buffalo, New York, to open and occupy a 

"drive-in facility" branch at 4406 West Genesee Street, 

Syracuse, New York. 

Newspaper – N/Avail 

Newspaper – N/Avail 

Newspaper – N/Avail 

Newspaper – 07/13/2001 

* Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

3(a)(1)/3(a)(3)	 North Fork Bancorporation, Inc. and its wholly-owned 

subsidiary, North Fork Bank, both of Melville, New York, to 

acquire Commercial Bank of New York, New York, New 

York.* 

Newspaper – N/Avail 

Fed Reg – 07/30/2001 

3(a)(3)	 Canadian Imperial Bank of Commerce, CIBC World Markets 

Inc., both of Toronto, Canada, CIBC Delaware Holdings Inc., 

New York, New York, and Amicus Holdings Inc., Cicero, 

Illinois, to acquire 95% of the Series C Preferred Stock and up to 

51% of the total voting shares of Juniper Financial Corp., 

Wilmington, Delaware.* 

Newspaper – 07/26/2001 

Fed Reg – 07/26/2001 

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

Ending date of 

Type Application 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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, July 7, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, July 7, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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. 

The federal bank regulators use the following four 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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, July 7, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, July 7, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

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

7950 Jones Branch Road, McLean, Virginia, to be known as the 

Gannett Office. 

07/13/2001*

Branch MetroBank of Dade County, Miami, Florida, to establish a 

branch located at 4699 Nob Hill Road, Sunrise, Florida. 

07/20/2001*

*Subject to provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

3(a)(1) Florida Coastline Community Group, Inc., Miami, Florida, to Newspaper – 

become a bank holding company by acquiring Florida Coastline 08/05/2001* 

National Bank, Miami, Florida (in organization). 

*Subject to provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

COM Appalachian Bancshares, Inc., Ellijay, Georgia, commitment 

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

Type Application 

COM Cumberland Bancorp, Inc., Nashville, Tennessee, commitment 

waiver request. 

Foreign Caixa de Aforros de Vigo, Ourense e Pontevedra, Vigo, Spain, 

to establish an international bank agency in Miami, Florida. 

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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, July 7, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) Cedar Rapids Bank and Trust Company, Cedar Rapids, Iowa, 

for prior approval to acquire the Cedar Rapids, Iowa branch 

office of Quad City Bank and Trust Company, Bettendorf, 

Iowa.* 

18(c) & Branch Central Trust & Savings Bank, Cherokee, Iowa, for prior 

approval to acquire the assets and liabilities of First Federal 

Bank, Sioux City, Iowa and thereby to establish a branch at 2 

Bow Drive, Cherokee, Iowa.* 

18(c) & Comerica Bank-California, San Jose, California, for prior 

Branches approval to merge with Imperial Bank, Inglewood, California 

and thereby to establish 15 branches.* 

18(c) & Branch Commercial Trust & Savings Bank, Storm Lake, Iowa, for prior 

18(c) & 

Branches 

18(c) & 

Branches 

approval to acquire the Storm Lake, Iowa branch office of 

Commercial Federal Bank, FSB, Omaha, Nebraska and thereby 

to establish a branch at 1250 N. Lake Avenue, Storm Lake, 

Iowa.* 

1st Source Bank, South Bend, Indiana, for prior approval to 

acquire the LaPorte and Michigan City, Indiana, branch offices 

of Citizens Financial Services, FSB, Munster, Indiana and 

thereby to establish two branch offices - 714 Lincolnway, 

LaPorte, Indiana; and 4005 Franklin Street, Michigan City, 

Indiana.* 

Titonka Savings Bank, Titonka, Iowa, for prior approval to 

purchase the Forest City, Iowa and Thompson, Iowa branches of 

Commercial Federal Bank, FSB, Omaha, Nebraska and thereby 

to establish a branch at 155 Jackson Street, Thompson, Iowa and 

to relocate their branch located at 101 N. Clark Street, Forest 

City, Iowa to 102 N. Clark Street, Forest City, Iowa.* 

Newspaper – N/Avail 

Newspaper – 7/05/2001 

Newspaper – N/Avail 

Newspaper – N/Avail 

Newspaper – N/Avail 

Newspaper – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 
Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

3(a)(1) American Bank Holdings, LLC., Cedar Falls, Iowa, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of American 

Bancorporation, Cedar Falls, Iowa, and thereby indirectly Cedar 

Valley Holding Company, Cedar Falls, Iowa, and Cedar Valley 

State Bank, Saint Ansgar, Iowa.* 

3(a)(1) American Community Financial, Inc., Woodstock, Illinois, for 

prior approval to become a bank holding company through the 

acquisition of 100 percent of the voting stock of American 

Community Bank & Trust, Woodstock, Illinois.* 

3(a)(5) Harvard Bancorp, Inc., Harvard, Illinois, for prior approval to 

acquire 100 percent of the voting shares of Hebron Bancshares, 

Inc., Hebron, Illinois and thereby indirectly acquire Hebron 

State Bank, Hebron, Illinois.* 

4(c)(8) Hasten Bancshares, Indianapolis, Indiana, for prior approval to 

acquire 100 percent of the outstanding common stock of 

Harrington Financial Group, Inc., Overland Park, Kansas, and 

thereby indirectly acquire Harrington Bank, FSB, Richmond, 

Indiana.* 

Notification by Charles Weldon Morrison of a Change in 

Control of Lamoine Bancorp, Inc., La Harpe, Illinois. 

3(a)(5) Marshall & Ilsley Corporation, Milwaukee, Wisconsin, for prior 

approval to acquire 100 percent of the voting shares of National 

City Bancorporation, Minneapolis, Minnesota and thereby 

indirectly acquire National City Bank of Minneapolis, 

Minneapolis, Minnesota.* 

3(a)(3) Quad City Holdings, Inc., Moline, Illinois, for prior approval to 

acquire 100 percent of the voting shares of Cedar Rapids Bank 

and Trust Company (in organization), Cedar Rapids, Iowa.* 

3(a)(1) Speer Bancshares, Inc., Speer, Illinois, for prior approval to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of State Bank of Speer, Speer, 

Illinois.* 

Fed Reg – 7/06/2001 

Newspaper – N/Avail 

Fed Reg – 7/30/2001 

Newspaper – N/Avail 

Fed Reg – 7/02/2001 

Newspaper – 6/30/2001 

Fed Reg – 8/01/2001 

Newspaper – N/Avail 

Fed Reg – 7/24/2001 

Newspaper – N/Avail 

Fed Reg – 7/02/2001 

Newspaper – 6/30/2001 

Fed Reg – 7/09/2001 

Newspaper – 7/09/2001 

Fed Reg – 7/20/2001 

Newspaper – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

CC 
Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4(c)(8) Marshall & Ilsley Corporation, Milwaukee, Wisconsin, for prior Fed Reg – 7/02/2001 

approval to acquire 100 percent of the voting shares of 

Diversified Business Credit, Inc., Minneapolis, Minnesota and 

thereby to engage in extending credit and servicing loans. 

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

Type Application 

Commitment 

Modification 

Comerica Incorporated, Detroit, Michigan, for prior approval to 

be released from the commitments with respect to their 

ownership of 5 percent or more of the stock of NYCE. 

4(c)(8) Northern Trust Corporation, Chicago, Illinois, for prior approval 

to engage indirectly through Northern Trust Global Advisors, 

Inc., Stamford, Connecticut, in the nonbanking activity of acting 

as a general partner of private equity funds. 

4(c)(8) Northern Trust Corporation, Chicago, Illinois, for prior approval 

to engage indirectly through Northern Trust Global Advisors, 

Inc., Stamford, Connecticut, in the nonbanking activities of 

commodity pool operator and commodity trading advisor 

activities. 

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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, July 7, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, July 7, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3(a)(3) Western Bancorporation, Inc., Duluth, Minnesota, proposes to 

acquire 100% of the voting shares of Cass Lake Company, Cass 

Lake, Minnesota. 

Fed. Reg. – 08/02/2001 

Newspaper – N/Avail. 

3(a)(3) Dacotah Banks, Inc., Aberdeen, South Dakota, proposes to 

acquire F&M Bank Holding Company of Valley City, Inc., 

Valley City, North Dakota. 

Fed. Reg. – 08/03/2001 

Newspaper – N/Avail. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4(c)(8)LLE Western Bancorporation, Inc., Duluth, Minnesota, proposes to Fed. Reg. – 08/02/2001 

acquire Cass Lake Company, Cass Lake, Minnesota and thereby 

engage in general insurance agency activities in a place with a 

population of less than 5,000. 

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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, July 7, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

CIC Arthur D. Hagan, Stillwater, Oklahoma, for prior approval to Newspaper – 07/05/2001 

increase his ownership interest from 19.09 percent to 22.32 Fed Reg – 07/24/2001 

percent of the voting shares of AmeriBanc Holdings, Durango, 

Colorado, parent of The Bank of Durango, Durango, Colorado. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, July 7, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

CIC Mark G. Mulloy, Humble, TX, and Othello O. Hare, Jr., Fed Reg – 07/25/2001 

Houston, TX, to acquire an interest in Newspaper – 07/18/2001 

Crosby Bancshares, Inc., Crosby, TX 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

468954 Tradition Bank 12/31/2000 07/07/2001 S X 

12300 Bellaire Blvd. 

Houston, Texas 77072-2299 

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, July 7, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

CIC Tererence Ray Sullivan, Carol Ann Sullivan, Patrick Sean Newspaper – 07/11/2001 

Sullivan of Elko, Nevada, Terrance Leroy Sullivan, Deborah Ann Fed Reg – 07/09/2001 

Hall, Darren Eugene Hall, of Twin Falls, Idaho, Terrance Ryan 

Sullivan, Las Vegas, Nevada, Gary Phillip Sullivan, Staten 

Island, New York, Ralph William Farley and Iris Gertrude 

Farley, Laguna Woods, California, acting in concert to acquire up 

to 25 percent of Great Basin Financial Corporation, Elko, 

Nevada.* 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

COM BNP Paribas, Paris, commitment relief request for additional 

time to divest certain natural gas investments. 
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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

877369 Valley Independent Bank 02/26/2001 07/03/2001 S X 

1498 Main Street 

El Centro, CA 92243 

(760) 370-3600 

The above listing has been prepared as a courtesy by the Federal Reserve Bank of San Francisco, and is not 

intended to replace formal notices required by statute or regulation; the Reserve Bank assumes no responsibility 

for errors or omissions. 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None