H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 30 

Week Ending July 23, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions July 17, 2005 to July 23, 2005 

Testimony And Statements 

Monetary Policy Objectives -- statement by Chairman Greenspan before the House 

Committee on Financial Services on July 20, 2005, and before the Senate 

Committee on Banking, Housing, and Urban Affairs on July 21. 

- Authorized, July 18, 2005 

Regulations And Policies 

Community Reinvestment (Regulation BB) -- final interagency revisions to exempt 

intermediate small banks from certain reporting requirements, revise criteria for 

evaluating lending and community development efforts, and make certain clarifying 

amendments (Docket No. R-1225). 

- Approved, July 18, 2005 

Enforcement 

Fifth Third Bank, Grand Rapids, Michigan -- issuance of a consent order of 

prohibition against Stefanie Milmine, a former employee. 

- Announced, July 21, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority July 17, 2005 to July 23, 2005 

BS&R Banking Supervision and Regulation RBOPS Reserve Bank Operations and Payment Systems 

C&CA Consumer and Community Affairs IF International Finance 

FOMC Federal Open Market Committee OSDM Office of Staff Director for Management 

Bank Branches, Domestic 

St. Louis 

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 516 East Millsap 

Road, Suite 203. 

- Approved, July 20, 2005 

Atlanta 

Bank of Alabama, Birmingham, Alabama -- to establish a branch at 4720 Salisbury 

Road, Jacksonville, Florida. 

- Approved, July 19, 2005 

Kansas City 

Canadian State Bank, Yukon, Oklahoma -- to establish a branch at 5929 North May 

Avenue, Oklahoma City. 

- Approved, July 18, 2005 

Kansas City 

The Colorado Bank and Trust Company of La Junta, La Junta, Colorado -- to 

establish a branch at 23051 East U.S. Highway 50, Pueblo, to establish a mobile 

branch located and operated within a 60-mile radius of the Pueblo branch, and to 

increase its investment in bank premises. 

- Approved, July 21, 2005 

St. Louis 

Community Bank, Lexington, Tennessee -- to establish a branch at 3200 North 

Highland Avenue, Jackson. 

- Approved, July 19, 2005 

St. Louis 

Community Bank, Lexington, Tennessee -- to establish a branch at 3200 North 

Highland Avenue, Jackson. 

- Approved, July 19, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 6 
H.2 Actions under delegated authority July 17, 2005 to July 23, 2005 

Bank Branches, Domestic 

Atlanta 

Compass Bank, Birmingham, Alabama -- to establish a branch in a kiosk at the 

Aurora Mall, 1420 East Alameda Avenue, Aurora, Colorado. 

- Withdrawn, July 19, 2005 

Minneapolis 

First Premier Bank, Sioux Falls, South Dakota -- to establish a branch at 536 North 

Sycamore Avenue, Suite A. 

- Approved, July 19, 2005 

Richmond 

First Sentinel Bank, Richlands, Virginia -- to establish a branch at the intersection 

of Pittston Road and Townview Drive, Lebanon. 

- Approved, July 19, 2005 

Chicago 

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish branches at 

Happy Valley Road and 19th Avenue, Phoenix, Arizona; 75th Avenue and Lower 

Buckeye Road; and Glassford Hill Road and Florentine Road, Prescott Valley. 

- Approved, July 20, 2005 

Chicago 

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish branches at 111 

East Kilbourn Avenue; Hanley Road and Monetary Boulevard, Hudson; 109th 

Avenue and Highway 65, Blaine, Minnesota; and 34th Street North (Highway 5) 

and Ideal Avenue North, Oakdale. 

- Approved, July 20, 2005 

Atlanta 

Marco Community Bank, Marco Island, Florida -- to establish a mobile branch to 

operate throughout Collier County. 

- Approved, July 22, 2005 

Richmond 

Old Line Bank, Waldorf, Maryland -- to establish a branch in the 1400 block of 

Crain Highway, Bowie. 

- Approved, July 20, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 6 
H.2 Actions under delegated authority July 17, 2005 to July 23, 2005 

Bank Branches, Domestic 

Kansas City 

Oregon Trail Bank, Guernsey, Wyoming -- to establish a branch at 4007 Greenway 

Street, Cheyenne. 

- Approved, July 20, 2005 

Dallas 

PlainsCapital Bank, Lubbock, Texas -- to establish a branch at 801b University 

Avenue. 

- Approved, July 19, 2005 

Atlanta 

Regions Bank, Birmingham, Alabama -- to establish a branch at 1775 New 

Watermelon Road, Tuscaloosa. 

- Approved, July 18, 2005 

Atlanta 

Regions Bank, Birmingham, Alabama -- to establish a branch at 6408 I-45 South, 

LaMarque, Texas. 

- Approved, July 20, 2005 

Bank Holding Companies 

Richmond 

Bank of Wilmington Corporation, Wilmington, North Carolina -- to become a bank 

holding company and to acquire Bank of Wilmington. 

- Approved, July 19, 2005 

Chicago 

Clarkston Financial Corporation, Clarkston, Michigan -- to acquire not less than 51 

percent of the shares of Huron Valley State Bank, Milford, a de novo bank. 

- Approved, July 21, 2005 

Atlanta 

First Southern Bancorp, Statesboro, Georgia -- relief from a commitment. 

- Withdrawn, July 20, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 6 
H.2 Actions under delegated authority July 17, 2005 to July 23, 2005 

Bank Holding Companies 

San Francisco 

ICB Financial, Ontario, California -- to become a bank holding company and to 

acquire Inland Community Bank, N.A., Rialto. 

- Approved, July 22, 2005 

St. Louis 

Mercantile Bancorp, Inc., Quincy, Illinois -- to increase its ownership from 32.81 

percent up to 39.95 percent of the shares of New Frontier Bancshares, Inc., St. 

Charles, Missouri, and thereby increase its controlling interest in New Frontier 

Bank. 

- Approved, July 20, 2005 

Chicago 

Western Illinois Bancshares, Inc., Monmouth, Illinois -- to become a bank holding 

company and to acquire Midwest Bank of Western Illinois. 

- Approved, July 22, 2005 

Bank Premises 

Richmond 

Benchmark Community Bank, Kenbridge, Virginia -- to increase its investment in 

bank premises. 

- Approved, July 22, 2005 

Change In Bank Control 

Minneapolis 

Central Bancshares, Inc., Golden Valley, Minnesota -- change in bank control. 

- Permitted, July 20, 2005 

Competitive Factors Reports 

Philadelphia 

Beneficial Mutual Savings Bank, Philadelphia, Pennsylvania -- report on 

competitive factors of the proposed merger with Northwood Savings Bank. 

- Submitted, July 19, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 6 
H.2 Actions under delegated authority July 17, 2005 to July 23, 2005 

Competitive Factors Reports 

Kansas City 

Cornerstone Bank, N.A., York, Nebraska -- report on competitive factors of the 

proposed merger with Albion National Bank, Albion, and City State Bank, Sutton. 

- Submitted, July 18, 2005 

Dallas 

Franklin Bank, S.S.B., Houston, Texas -- report on competitive factors of the 

proposed acquisition of the Beaumont, Texas; Nederland, Groves, Wharton, and El 

Campo branches of Washington Mutual Bank, Stockton, California. 

- Submitted, July 20, 2005 

Extensions Of Time 

Minneapolis 

Choice Financial Holdings, Inc., Grafton, North Dakota -- extension to October 20, 

2005, to acquire 85 percent of the shares of Peoples State Bank of Comfrey, 

Comfrey, Minnesota. 

- Granted, July 18, 2005 

Secretary 

Citigroup Inc., New York, New York -- extension of time for Banco Nacional de 

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

in settlement of debts previously contracted. 

- Granted, July 21, 2005 

Cleveland 

S&T Bancorp, Inc., Indiana, Pennsylvania -- extension to October 18, 2005, to 

acquire up to 9.9 percent of CBT Financial Corporation, Clearfield, and Clearfield 

Bank & Trust Company. 

- Granted, July 18, 2005 

Financial Holding Companies 

Kansas City 

First National of Colorado, Inc., Fort Collins, Colorado -- election to become a 

financial holding company. 

- Effective, July 21, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 6 
H.2 Actions under delegated authority July 17, 2005 to July 23, 2005 

Regulations And Policies 

FOMC 

Federal Open Market Committee -- minutes of the meeting on June 29-30, 2005. 

- Published, July 21, 2005 

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

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, July 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Florence Bancorp, MHC, Florence, Massachusetts - to become a 

bank holding company through the acquisition of 100% of the 

voting shares of Florence Savings Bank, Florence, 

Massachusetts

Newspaper – N/Avail

Fed Reg – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, July 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Deutsche Genossenschafts-Hypothekenbank AG, Hamburg, 

Germany, requests prior approval to establish a NY Rep Office.

Newspaper – N/Avail

FBSEA The Governor and Company of The Bank of Ireland, Dublin, 

Ireland to establish a representative office in Los Angeles, 

California, pursuant to Section 10(a) of the International 

Banking Act of 1978, and Section 211.24(a)(2)(i)(B) of Reg K.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

CIC Notice of Change in Bank Control pursuant to the Change in 

Bank Control Act of 1978, as amended by The H.T. Clark I 

Family Limited Partnership (“Limited Parternship”), and Harold 

T. Clark Jr., both of Utica, New York, as general partner to 

acquire 72.19% of the common shares of Adirondack Bancorp 

Inc., Utica, New York; Limited Partnership is simultaneously 

requesting a determination by the Board to become a “qualified 

family partnership” pursuant to Section (o)(10) of the BHC Act. 

See Filing ID 59827-1.

Newspaper – N/Avail

Fed Reg – 07/25/2005

*3A3 New York Private Bank and Trust, and Emigrant Bancorp, both 

of New York, New York, request prior approval to acquire all of 

the outstanding capital stock of each of four new retail savings 

banks, pursuant to Section 3(a)(3) of the BHC Act. The existing 

Emigrant Savings Bank, New York, New York, will continue to 

serve its existing high net worth customer base.

Newspaper – 08/08/2005

Fed Reg – 08/11/2005

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

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, July 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

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

FIRREA Notice to appoint George W,. Millward as Interim President and 

CEO of Fulton Bancschares Corporation, McConnellsburg, PA, 

pursuant to 225.72 and waiver request pursuant to 255.73 (f)(1).
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, July 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Heartland Bank, Gahanna, OH to establish a branch at 

Friendship Village, 6000 Riverside Drive, Dublin, OH

Newspaper – 07/29/2005

*Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

*3(a)(5) Rurban Financial Corp., Definance, Ohio to acquire Exchange 

Bancshares, Inc., Luckey, Ohio and as a result acquire all of the 

issued and outstanding capital stock of The Exchange Bank. 

Rurban will be the surviving corporation in the merger. 

Exchange Bank will operate as a separate bank subsidiary of 

Rurban following completion of the merger. 

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, July 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

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

3248849 MainStreet Bank

727 Elden Street

Herndon, Virginia 20170

05/09/2005 07/23/2005 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, July 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located in a kiosk at South West Mall, 8501 West Bowles 

Avenue, Littleton, Colorado, to be known as the Littleton –

Bowles Branch.*

Newspaper – 08/02/2005

Branch Regions Bank, Birmingham, Alabama, to merge with Regions 

Morgan Keegan Trust, F.S.B., Birmingham, Alabama.*

Newspaper – 08/15/2005

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

1605 Lakewood Ranch Boulevard, Bradenton, Florida, to be 

known as the Gateway North Office.*

Newspaper – 07/31/2005

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

13568 Summerport Village Parkway, Orlando, Florida, to be 

known as the Horizons West Office.*

Newspaper – 07/31/2005

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

101 Curtis Parkway, Miami Springs, Florida, to be known as the 

Miami Springs Office.*

Newspaper – 08/01/2005

Foreign Caja de Ahorros de Galicia, Caixa Galicia, Coruna, Spain, to 

establish an international agency located in Miami, Florida.

Newspaper – N/Avail

Foreign La Caissee centrale Desjardins du Quebec, Montreal, Quebec, 

Canada, to establish a foreign branch located at 1001 East 

Hallandale Beach Boulevard, Hallandale, Florida.

Newspaper – N/Avail

*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) FirstFed Bancorp, Inc. Employee Stock Ownership Plan, 

Bessemer, Alabama, to become a bank holding company by 

acquiring 32 percent of the outstanding shares of FirstFed 

Bancorp, Inc., and its subsidiary, First Financial Bank, both of 

Bessemer, Alabama.*

Newspaper – 08/18/2005

Fed Reg – 08/15/2005
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC Tennessee State Bancshares, Inc., Pigeon Forge, Tennessee, 

prior change in control notice to appoint Richard Todd Proffitt 

as substitute trustee of the Voting Trust Agreement. This 

arrangement will give Mr. Proffitt the authority to vote 59.26 

percent of the outstanding common stock of Tennessee State 

Bancshares, Inc., if the current trustee is unable to perform his 

duties.

Newspaper – 08/09/2005

Fed Reg – 08/05/2005

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.
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, July 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

to be located at 3800 Owen Road, Fenton, Michigan.*

Newspaper – N/Avail

Branch Premier Bank, Dubuque, Iowa, to establish a branch facility to 

be located at 1975 J.F. Kennedy Road, Dubuque, Iowa.*

Newspaper – 05/16/2005

Branch Southwest Bank of St. Louis, St. Louis, Missouri, to establish a 

branch facility to be located at Winghaven Boulevard and 

Technology Drive, O'Fallon, Missouri.*

Newspaper – 06/10/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) & 3(a)(1) Capitol Bancorp, Ltd., Lansing, Michigan, indirectly through 

Capitol Development Bancorp Limited III, Lansing, Michigan, 

to acquire 51 percent of Bank of Santa Barbara (in organization), 

Santa Barbara, California; and by Capitol Development Bancorp 

Limited III, Lansing, Michigan, to become a bank holding 

company by acquiring 51 percent of the voting shares of Bank of 

Santa Barbara (in organization), Santa Barbara, California.*

Fed Reg – N/Avail

Newspaper – N/Avail

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

Development Bancorp Limited III, Lansing, Michigan, to 

acquire 51 percent of the voting shares of Bank of Hayti, Hayti, 

Missouri.*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(1) Commerce Financial Holdings, Inc., West Bend, Wisconsin, to 

become a bank holding company by acquiring 100 percent of the 

voting shares of Commerce State Bank (in organization), West 

Bend, Wisconsin.*

Fed Reg – 08/05/2005

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Ac
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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, July 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch The Callaway Bank, Fulton, Missouri, to establish a branch 

facility to be located at Lot 1 of Eastport Plat 1-A, Columbia, 

Missouri.*

Newspaper – 08/05/2005

Branch Arvest Bank, Fayetteville, Arkansas, to establish a branch 

facility to be located at 3514 Southeast 14th Street, Bentonville, 

Arkansas.*

Newspaper – 07/27/2005

Branch Arvest Bank, Fayetteville, Arkansas, to establish a branch 

facility to be located at 516 East Millsap Road, Suite 203, 

Fayetteville, Arkansas.

Newspaper – 07/16/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regula tion 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

519146 First State Bank of DeQueen

DeQueen, Arkansas 04/04/2005 07/12/2005 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, July 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, July 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Adams Bank and Trust, Ogallala, Nebraska, to establish a 

branch at 7700 South College Avenue, Fort Collins, Colorado.

Newspaper – 07/25/2005

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

Type Application

Ending date of

comment period

3(a)(3) Bank of Choice Holding Company, Evans, Colorado, to acquire 

100 percent of the voting shares of Colonial Bancorp, Aurora, 

Colorado, parent of Colonial Bank, Aurora, Colorado.

Newspaper – 08/22/2005

Fed Reg – 08/15/2005

CIC Notification by Nikki C. Cook, Kansas City, Missouri, as cotrustee of the George N. Cook, Jr. Living Trust and the Nikki C. 

Cook Living Trust; Judy A. Denesia, Overland Park, Kansas, as 

trustee of the Denesia Family Trust; Tiffany L. Self, Oklahoma 

City, Oklahoma; Swords Associates, Inc., Kansas City, 

Missouri; Suzanne Untersee, Kansas City, Missouri; Gebra 

Holdings, LLC, Oklahoma City, Oklahoma; and Mark C. 

Parman, Overland Park, Kansas, to become members of a group 

acting in concert to acquire control of First Medicine Lodge 

Bancshares, Inc., parent of SolutionsBank, both in Overland 

Park, Kansas.

Newspaper – 08/05/2005

Fed Reg – 08/09/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, July 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Sterling Bancshares, Inc., Houston, TX, and Sterling 

Bancorporation, Inc., Wilmington, DE, to acquire 100 percent of 

Prestonwood Bancshares, Inc., Dallas, TX, and indirectly 

acquire Prestonwood Bancshares Nevada, Inc., Carson City, 

NV, and The Oaks Bank & Trust Company, Dallas, TX. *

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.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

260868 First Bank of Snook

9981 FM 2155

Snook, Texas 77878

04/18/2005 07/15/2005 O X

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 23, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch County Bank, Merced, California, to establish a branch office to 

be located at the northeast corner of Oakdale Road and Claribel 

Road, Riverbank, California.*

Newspaper – 07/23/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) Mission Valley Bancorp, Sun Valley, California, to become a 

bank holding company by acquiring 100 percent of Mission 

Valley Bank, Sun Valley, California.*

Newspaper – 08/05/2005

Fed Reg – 08/08/2005

3(a)(1) NCB Financial, Las Vegas, Nevada, to become a bank holding 

company by acquiring 100 percent of Nevada Commerce Bank, 

Las Vegas, Nevada.*

Newspaper – N/Avail

Fed Reg – 08/22/2005

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None