Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 39 

Week Ending September 29, 2001 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions September 23, 2001 to September 29, 2001 

Bank Holding Companies 

Native American Bancorporation Co., Denver, Colorado -- to become a bank holding 

company through the acquisition of Blackfeet National Bank, Browning, Montana. 

- Approved, September 26, 2001 

Reserve Bank Operations 

Directors -- appointment of Chairmen and Deputy Chairmen of the 12 Federal Reserve 

Banks for 2002. 

- Announced, September 28, 2001 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority September 23, 2001 to September 29, 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 

Secretary 

Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 110 Matthews 

Station Street, Suite 1-F, Matthews. 

- Approved, September 28, 2001 

Chicago 

Comerica Bank, Detroit, Michigan -- to establish branches at 23120 Allen Road, 

Woodhaven, and 260 Brown Road, Auburn Hills. 

- Approved, September 28, 2001 

Atlanta 

First Southern Bank, Boca Raton, Florida -- to establish a branch on Woolbright Road. 

- Approved, September 27, 2001 

Chicago 

Michigan Heritage Bank, Farmington Hills, Michigan -- to establish a branch at 21211 

Haggerty Road, Novi. 

- Approved, September 25, 2001 

Atlanta 

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 1550 West Boynton 

Beach Boulevard, Boynton Beach, Florida. 

- Approved, September 26, 2001 

Bank Holding Companies 

Minneapolis 

American Bancorporation of Minnesota, Brainerd, Minnesota -- to become a bank 

holding company through the acquisition of American National Bank of Minnesota. 

- Approved, September 25, 2001 

(AC) = Addition or Correction Delegated - Page 1 of 6 
H.2 Actions under delegated authority September 23, 2001 to September 29, 2001 

Bank Holding Companies 

Dallas 

Both, Inc., Kerrville, Texas, and Both of Delaware, Inc., Wilmington, Delaware -- to 

become bank holding companies through the acquisition of Bank of the Hills, N.A., 

Kerrville; and for Both, Inc., to acquire Both of Delaware, Inc. 

- Approved, September 27, 2001 

Philadelphia 

CNB Financial Corporation, Clearfield, Pennsylvania -- to retain ownership of County 

Reinsurance Company, Phoenix, Arizona. 

- Approved, September 26, 2001 

Chicago 

Eagle Bancshares, Inc., Cashton, Wisconsin -- to become a bank holding company 

through the acquisition of Cashton Bancshares, Inc. and Bank of Cashton. 

- Approved, September 28, 2001 

Richmond 

High Street Corporation, Asheville, North Carolina -- to become a bank holding 

company through the acquisition of High Street Banking Company. 

- Approved, September 27, 2001 

Atlanta 

Medley Group, Inc., Dothan, Alabama -- to become a bank holding company through 

the acquisition of Bonifay Holding Company, Inc., Bonifay, Florida, and The Bank of 

Bonifay. 

- Approved, September 26, 2001 

Cleveland 

NB&T Financial Group, Inc., Wilmington, Ohio -- waiver of application in connection 

with the proposed acquisition of certain assets and assumption of certain liabilities by its 

subsidiary bank, National Bank & Trust Company, of Sabina Bank, Sabina. 

- Approved, September 24, 2001 

Minneapolis 

West 12 Bancorporation, Inc., Danvers, Minnesota -- to become a bank holding 

company through the acquisition of State Bank of Danvers. 

- Approved, September 28, 2001 

(AC) = Addition or Correction Delegated - Page 2 of 6 
H.2 Actions under delegated authority September 23, 2001 to September 29, 2001 

Bank Mergers 

Chicago 

1st Source Bank, South Bend, Indiana -- to acquire the Indiana branches of Standard 

Federal Bank, Troy, Michigan, in Fort Wayne, Huntington, Bluffton, New Haven, 

Columbia City, and Auburn; and thereby establish branches. 

- Approved, September 27, 2001 

Minneapolis 

Valley Bank of Helena, Helena, Montana -- to purchase certain assets and assume 

certain liabilities of the Helena branch of Glacier Bank, Kalispell, and establish a branch. 

- Withdrawn, September 12, 2001 (AC) 

Banks, Nonmember, And Miscellaneous Institutions 

Secretary 

North Country Bank & Trust, Traverse City, Michigan -- relocation of master account to 

the Federal Reserve Bank of Minneapolis. 

- Permitted, September 26, 2001 

Change In Bank Control 

Atlanta 

Bonifay Holding Company, Inc., Bonifay, Florida, and The Bank of Bonifay -- change in 

bank control. 

- Permitted, September 26, 2001 

Competitive Factors Reports 

St. Louis 

Allegiant Bank, St. Louis, Missouri -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities the five branches of Encore Bank, 

Houston, Texas. 

- Submitted, September 26, 2001 

Richmond 

Cardinal Bank, National Association, Fairfax, Virginia -- report on competitive factors of 

the proposed mergers with Cardinal Bank-Potomac, McLean, and Cardinal Bank-Dulles, 

National Association, Reston. 

- Submitted, September 28, 2001 

(AC) = Addition or Correction Delegated - Page 3 of 6 
H.2 Actions under delegated authority September 23, 2001 to September 29, 2001 

Competitive Factors Reports 

Dallas 

Citizens State Bank of Luling, Luling, Texas -- report on competitive factors of the 

proposed merger with New Citizens, Inc., a de novo bank. 

- Submitted, September 25, 2001 

Minneapolis 

The County Bank, Forest Lake, Minnesota -- report on competitive factors of the 

proposed merger with Southview Bank, South St. Paul. 

- Submitted, September 26, 2001 

Richmond 

First Bank, Troy, North Carolina -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of the Salisbury branch of First Union 

National Bank, Charlotte. 

- Submitted, September 24, 2001 

Richmond 

First Community Bank, National Association, Bluefield, Virginia -- report on competitive 

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

four branches of Branch Banking and Trust Company of Virginia, Richmond. 

- Submitted, September 26, 2001 

Minneapolis 

The First National Bank of Deerwood, Deerwood, Minnesota -- report on competitive 

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

the Bemijdi branch of Northwest Community Bank, Champlin. 

- Submitted, September 28, 2001 

St. Louis 

Guaranty Federal Savings Bank, Springfield, Missouri -- report on competitive factors of 

the proposed acquisition of five Springfield branches of Commercial Federal Bank, 

Omaha, Nebraska. 

- Submitted, September 26, 2001 

(AC) = Addition or Correction Delegated - Page 4 of 6 
H.2 Actions under delegated authority September 23, 2001 to September 29, 2001 

Competitive Factors Reports 

Cleveland 

Northwest Savings Bank, Warren, Pennsylvania -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Johnsonburg and 

Emporium offices of Sun Bank, Selinsgrove. 

- Submitted, September 26, 2001 

Atlanta 

Prosperity Bank, St. Augustine, Florida -- report on competitive factors of the proposed 

purchase of certain assets and assumption of deposit liabilities of the St. Augustine and 

Palm Coast branches of BankAtlantic, a Federal Savings Bank, Fort Lauderdale. 

- Submitted, September 28, 2001 

San Francisco 

Washington Mutual Bank, Seattle, Washington -- report on competitive factors of the 

proposed merger with Dime Bancorp, Inc., New York, New York. 

- Submitted, September 26, 2001 

Dallas 

Woodforest National Bank, Houston, Texas -- report on competitive factors of the 

proposed acquisition of the Gun Barrel City branch of The American National Bank of 

Texas, Terrell. 

- Submitted, September 27, 2001 

Extensions Of Time 

Kansas City 

1st Financial Bank, Overland Park, Kansas -- extension to December 31, 2001, to 

merge with Centerville State Bank, Centerville. 

- Granted, September 25, 2001 

Chicago 

Amana Bancshares, Inc., Southfield, Michigan -- extension to December 22, 2001, to 

become a bank holding company through the acquisition of Amana Bank, Dearborn, a de 

novo bank. 

- Granted, September 27, 2001 

(AC) = Addition or Correction Delegated - Page 5 of 6 
H.2 Actions under delegated authority September 23, 2001 to September 29, 2001 

Extensions Of Time 

Atlanta 

Financial Investors of the South, Inc., Birmingham, Alabama -- extension to December 

29, 2001, to acquire Capital Bank, Montgomery, a de novo bank. 

- Granted, September 28, 2001 

Financial Holding Companies 

Atlanta 

Citizens Bancorp of Oviedo, Inc., Oviedo, Florida -- election to become a financial 

holding company. 

- Effective, September 27, 2001 

Dallas 

First Financial Bankshares, Inc., Abilene, Texas, and First Financial Bankshares of 

Delaware, Inc., Wilmington, Delaware -- elections to become financial holding companies. 

- Effective, September 21, 2001 (AC) 

Chicago 

First Indiana Corporation, Indianapolis, Indiana -- election to become a financial holding 

company. 

- Effective, September 25, 2001 

International Operations 

St. Louis 

Union Planters Bank, National Association, Memphis, Tennessee -- to establish a limitedpurpose foreign branch in the Cayman Islands, British West Indies. 

- Approved, September 25, 2001 

(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, September 29, 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)(1) Williamstown Mutual Holding Company (in formation), 

Williamstown, Massachusetts – application to become a mutual 

holding company through the acquisition of Williamstown 

Savings Bank, Williamstown, Massachusetts 

3(a)(3) Berkshire Financial Services, Inc., Lee, Massachusetts – 

application to acquire Freedom National Bank, Greenville, 

Rhode Island, a de novo bank 

3(a)(1)/3(a)(3) Westfield Mutual Holding Company, Westfield, Massachusetts 

- application to form a second tier stock bank holding company 

Westfield Financial Inc., Westfield, Massachusetts 

Newspaper – 10/13/2001 

Fed Reg – 10/15/2001 

Newspaper – 10/19/2001 

Fed Reg – 10/22/2001 

Newspaper – N/Avail Fed 

Reg – 10/22/2001 

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, September 29, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

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 Merita Nordbanken Plc), to 

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

York, New York.* 

Branch Banque Sudameris, Paris, France, to convert its Miami agency 

into a branch.* 

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)3 Greater Community Bancorp, Totowa, New Jersey, to increase Newspaper – 10/01/2001 

its ownership up to 9.9% in 1st Constitution Bancorp, Cranbury, Fed Reg – 10/26/2001 New Jersey.* 

* 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 2001 

Institution Location 

None 
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, September 29, 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, September 29, 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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, September 29, 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, September 29, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch First Community Bank, Debary, Florida, to establish a branch 

located at 113 Chipola Avenue, Deland, Florida, to be known as 

the Woodland Towers Branch. 

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

located at 6985 Atlanta Highway, Montgomery, Alabama, to be 

known as the Arrowhead Branch. 

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

located at 4701 N. Armenia Avenue, Tampa, Florida, to be 

known as the West Tampa Branch. 

18(c) The Park Avenue Bank, Valdosta, Georgia, to merge with First 

Community Bank of Southwest Georgia, Bainbridge, Georgia. 

18(c) The Park Avenue Bank, Valdosta, Georgia, to merge with 

Farmers and Merchants Bank, Adel, Georgia. 

18(c) The Park Avenue Bank, Valdosta, Georgia, to merge with 

Baxley Federal Bank, Baxley, Georgia. 

18(c) The Park Avenue Bank, Valdosta, Georgia, to merge with Eagle 

Bank and Trust, Statesboro, Georgia. 

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

2715 Loganville Highway, Grayson, Georgia, to be known as 

the SunTrust Bank at Grayson Village Publix In-Store Office. 

10/25/2001* 

10/05/2001* 

10/05/2001* 

10/26/2001* 

10/26/2001* 

10/28/2001 

10/27/2001* 

10/07/2001* 

*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) Black Diamond Financial Group, Inc., Tampa, Florida, to Fed Reg – 10/26/2001* 

become a bank holding company by acquiring Bank of St. 

Petersburg, St. Petersburg, Florida. 
Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

3(a)(1) First Dozier Bancshares, Inc., to become a bank holding 

company by acquiring The First National Bank of Dozier, both 

of Dozier, Alabama. 

Fed Reg – 10/26/2001* 

3(a)(5) Regions Financial Corporation, Birmingham, Alabama, to merge 

with First Bancshares of Texas, Inc., Houston, Texas, and 

thereby directly acquire First Bank of Texas, Tomball, Texas. 

Fed Reg – 10/26/2001* 

3(a)(5) Trustmark Corporation, Jackson, Mississippi, to merge with 

Nashoba Bancshares, Inc., and thereby directly acquire Nashoba 

Bank, both of Germantown, Tennessee. 

Fed Reg – 11/02/2001* 

*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 

WAIVR Alabama National BanCorporation, Birmingham, Alabama, 

application waiver request for the proposed merger with Farmers 

National Bancshares, Inc., and indirect acquisition of The 

Farmers National Bank of Opelika, both of Opelika, Alabama. 
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, September 29, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

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

acquire the Fort Wayne, Huntington, Bluffton, New Haven, 

Columbia City and Auburn, Indiana branches of Standard 

Federal Bank, Troy, Michigan adnd thereby to establish 13 

branches.* 

Newspaper – 9/20/2001 

Branch Johnson Bank, Racine, Wisconsin, for prior approval to establish 

a branch at 525 Junction Road, Madison, Wisconsin.* 

Newspaper – 9/27/2001 

Branch Marquette Bank, Chicago, Illinois, for prior approval to establish 

a branch at the southwest corner of Route 30 and Joliet 

Highway, New Lenox, Illinois.* 

Newspaper – 9/26/2001 

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) Allied First Bancorp, Inc., Naperville, Illinois, for prior approval 

to become a bank holding company through the acquisition of 

100 percent of the voting shares of Allied First Bank, s.b., 

Naperville, Illinois.* 

Notification by J. D. Bergman Corporation, Hinsdale, Illinois 

and Jay D. Bergman, of a Change in Control to acquire 

additional voting shares of American Heartland Bancshares, 

Inc., Sugar Grove, Illinois. 

3(a)(3) Capitol Bancorp, Ltd., Lansing, Michigan, Sun Community 

Bancorp, Phoenix, Arizona and Nevada Community Bancorp 

Limited, Las Vegas, Nevada, for prior approval to acquire 51 

percent of the voting shares of Bank of Las Vegas (in 

organization), Las Vegas, Nevada.* 

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

Bancorp Phoenix, Arizona, for prior approval to acquire 51 

percent of the voting shares of Napa Community Bank (in 

organization), Napa, California.* 

Fed Reg – 10/22/2001 

Newspaper – N/Avail 

Fed Reg – 10/02/2001 

Newspaper – 10/01/2001 

Fed Reg – 9/28/2001 

Newspaper – 9/22/2001 

Fed Reg – 9/28/2001 

Newspaper – 9/22/2001 

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

Ending date of 

Type Application comment period 

4(c)(8) FBOP Corporation, Oak Park, Illinois, for prior approval to 

acquire 100 percent of the voting shares of Bank Plus 

Corporation, Los Angeles, California and thereby indirectly 

acquire Fidelity Federal Bank, FSB, Glendale, California and 

thereby engage in operating a savings association.* 

3(a)(1) First California Northern Bancorp, Napa, California, for prior 

approval to become a bank holding company through the 

acquisition of 51 percent of the voting shares of Napa 

Community Bank (in organization), Napa, California.* 

Notification by Merrill M. Wesemann, of a Change in Control to 

acquire shares of First Community Bancshares, Inc., 

Bargersville, Indiana. 

3(a)(3) Great River Financial Group, Inc., Burlington, Iowa, for prior 

approval to acquire 100% of Southeast Security Bank, 

Mediapolis, Iowa.* 

3(a)3) Herky Hawk Financial Corp., Monticello, Iowa, for prior 

approval to acquire 100 percent of the voting shares of New 

Vienna Savings Bank, New Vienna, Iowa and Casey State Bank, 

Casey, Illinois and 100 percent of the voting shares of Biggsville 

Financial Corporation, Biggsville, Illinois and thereby indirectly 

acquire First State Bank of Biggsville, Biggsville, Illinois.* 

3(a)(1) Lincoln Bancorp, Inc., Rochelle, Illinois, for prior approval to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of Lincoln State Bank, S.B., 

Rochelle, Illinois.* 

3(a)(1) Manito Bank Services, Inc., Manito, Illinois, for prior approval 

to become a bank holding company through the acquisition of 

100 percent of the voting shares of Peoples State Bank, Manito, 

Illinois.* 

3(a)(3) Northstar Financial Group, Inc., Bad Axe, Michigan, for prior 

approval to acquire 100 percent of the voting shares of Seaway 

Community Bank (in organization), St. Clair, Michigan.* 

3(a)(3) Piper Holdings, Inc., Covington, Indiana, for prior approval to 

acquire 100 percent of the voting shares of Heritage Bancshares, 

Inc., Darlington, Indiana and thereby indirectly acquire Heritage 

Bank & Trust Company, Darlington, Indiana.* 

3(a)(3) Prairieland Employee Stock Ownership Plan, Bushnell, Illinois, 

for prior approval to acquire 45.85 percent of the voting shares 

of Prairieland Bancorp, Inc., Bushnell, Illinois and thereby 

indirectly acquire Farmers and Merchants State Bank, Bushnell, 

Illinois.* 

Fed Reg – 10/09/2001 

Newspaper – 10/08/2001 

Fed Reg – 9/28/2001 

Newspaper – 9/22/2001 

Fed Reg – 10/19/2001 

Newspaper – N/Avail 

Fed Reg – 9/28/2001 

Newspaper – 9/28/2001 

Fed Reg – 10/29/2001 

Newspaper – N/Avail 

Fed Reg – 10/26/2001 

Newspaper – N/Avail 

Fed Reg – N/Avail 

Newspaper – N/Avail 

Fed Reg – 10/12/2001 

Newspaper – 10/07/2001 

Fed Reg – 10/26/2001 

Newspaper – N/Avail 

Fed Reg – 10/05/2001 

Newspaper – 10/03/2001 

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

Ending date of 

Type Application comment period 

3(a)(3) River Valley Bancorp, Inc., Eldridge, Iowa, for prior approval to 

acquire 100 percent of the voting shares of State Bank of 

Latham, Latham, Illinois.* 

Fed Reg – 9/28/2001 

Newspaper – N/Avail 

CC Notification by John G. Rosholt, of a Change in Control to retain 

control, and by Gary C. Rosholt to acquire control, of Rosholt 

Bancorporation, Inc., Rosholt, Wisconsin. 

Fed Reg – 8/27/2001 

Newspaper – 8/28/2001 

3(a)(1) Sturgis Bancorp, Inc., Sturgis, Michigan, for prior approval to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of Sturgis Bank & Trust Company, 

Sturgis, Michigan.* 

Fed Reg – 10/26/2001 

Newspaper – N/Avail 

* 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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, September 29, 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 Notice involving Riverside Bancshares, Inc., Little Rock, 

Arkansas, by Stephen C. Davis, Little Rock, Arkansas, to retain 

33.33 percent. (Previously submitted during the week ending 

September 22, 2001). 

Newspaper – 10/20/2001 

Fed Reg – 10/12/2001 

3(a)(1) Notice by Henderson Bancshares, Inc., Lexington, Tennessee, to 

acquire 100 percent of First State Bank, Henderson, Tennessee.* 

Newspaper – 10/26/2001 

Fed Reg – 10/26/2001 

* 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 

519146 First State Bank of DeQueen 2/26/01 9/27/01 S X 

DeQueen, Arkansas 

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, September 29, 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 John and Flora Brown to acquire control of Drayton Bancor, 

Inc., Drayton, North Dakota. 

3(a)(3) State Bankshares, Inc., Fargo, North Dakota, for prior approval 

to acquire 100% of the voting shares of State Bank of 

Moorhead, Moorhead, Minnesota.* 

CIC Wayne Edsall Trust No. 2, Wayne Edsall trustee, to acquire 

control of Inter-Mountain Bancorp., Inc., Bozeman, Montana. 

CIC WCB Bancshares, Inc. 401(k) Plan and Trust, John Malmberg 

trustee, to acquire control of WCB Bancshares, Inc., Oakdale, 

Minnesota. 

Fed. Reg. – N/Avail. 

Newspaper – N/Avail. 

Fed. Reg. – 10/22/2001 

Newspaper – N/Avail. 

Fed. Reg. – 10/12/2001 

Newspaper – 11/01/2001 

Fed. Reg. – 10/15/2001 

Newspaper – 10/16/2001 

*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 

773751 Victoria State Bank 06/25/2001 09/26/2001 S X 

Victoria, Minnesota 

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, September 29, 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) American National Corporation, Omaha, Nebraska, for prior 

approval to acquire 100 percent of the voting shares of Quick 

Bancorp, Inc., Council Bluffs, Iowa, and its subsidiary Peoples 

National Bank, Council Bluffs, Iowa. 

CIC Notice by Wanda Louise Bass, of McAlester, Oklahoma, Boyd 

Clark Bass, of Bellevue, Colorado, Louise Loraine Bass, of 

Albuquerque, New Mexico, and Carlton Clark Bass, of 

McAlester, Oklahoma, Co-Trustees of the Bass Family Trust to 

retain control of First of McAlester Corporation, McAlester, 

Oklahoma. 

Newspaper – 10/13/2001 

Fed Reg – 10/26/2001 

Newspaper – 10/01/2001 

Fed Reg – 10/19/2001 

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 

5(b) First State Bank & Trust Company of Larned, Larned, Kansas, 

to acquire Kansas Wealth Management, Inc., Larned, Kansas, a 

Bank Service Corporation. 
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 

10858 Platte Valley State Bank & Trust Co. 

2222 1st Avenue 

07/16/2001 09/28/2001 S X 

Kearney Nebraska 

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, September 29, 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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, September 29, 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 

2209553 Heritage Bank of Commerce 

150 Almaden Boulevard 

San Jose, California 95113 

(408) 947-6900 

2819158 Heritage Bank South Valley 

18625 Sutter Boulevard 

Morgan Hill, California 95037 

(408) 778-2320 

04/23/2001 09/24/2001 S X 

04/23/2001 09/24/2001 S X 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None