Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 31

Week Ending July 31, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions July 25, 2004 to July 31, 2004

Change In Bank Control

BNCCORP, Inc., Bismarck, North Dakota -- to retain a controlling interest in 

BNCCORP, Inc. and thereby retain control of its subsidiary bank, BNC National Bank, 

Phoenix, Arizona.

- Permitted, July 27, 2004 

Regulations And Policies

Bank Secrecy Act Examination Procedures -- interagency procedures for examining 

banking organizations' customer identification programs as required by the USA 

PATRIOT Act.

- Announced, July 28, 2004 

Enforcement

ABN AMRO Bank, N.V., Amsterdam, The Netherlands, and ABN AMRO's branch in 

New York, New York -- written agreement with the Federal Reserve Banks of New 

York and Chicago, New York State Banking Department, and Illinois Department of 

Financial and Professional Regulation.

- Announced, July 26, 2004 

(AC) = Addition or Correction Board - Page 1 of 1
July 25, 2004 to July 31, 2004

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

First Commercial Bank of Cullman County, Good Hope, Alabama -- to establish a 

branch at 8803 Madison Boulevard, Madison.

- Approved, July 29, 2004 

Atlanta

Interchange Bank, Saddle Brook, New Jersey -- to establish a branch at 517 Cedar 

Lane, Teaneck.

- Approved, July 28, 2004 

New York

Regions Bank, Birmingham, Alabama -- to establish a branch at Pleasant Run Road and 

Highway 67, Cedar Hill, Texas.

- Approved, July 29, 2004 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 111 Orville Road, Baltimore, 

Maryland.

- Approved, July 28, 2004 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish a branch at the intersection of Highways 

278 and 92, Hiram.

- Approved, July 29, 2004 

Atlanta

Virginia Bank and Trust Company, Danville, Virginia -- to provide a courier service to 

pick up deposits from business customers in Danville, Chatham, and Pittsylvania County.

- Approved, July 26, 2004 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority July 25, 2004 to July 31, 2004

Bank Holding Companies

Beach Community Bancshares, Inc., Fort Walton Beach, Florida -- to become a bank 

holding company and to acquire Beach Community Bank.

- Approved, July 26, 2004 

Atlanta

Citizens Bancshares Co., Chillicothe, Missouri -- to acquire shares of First Community 

Bancshares, Inc., Overland Park, Kansas, and thereby acquire First Community Bank, 

Lee's Summit, Missouri.

- Withdrawn, July 26, 2004 

Kansas City

Commercial Capital Corporation, De Kalb, Mississippi -- to engage in insurance agency 

activities through its subsidiary, Southern Insurance Marketers, Inc.

- Withdrawn, July 26, 2004 

Atlanta

Northeast Bancorp, Auburn, Maine -- to become a bank holding company and to 

acquire Northeast Bank, FSB and for Northeast Bank, FSB to become a member of the 

Federal Reserve System on conversion to a state-chartered bank.

- Approved, July 29, 2004 

Boston

OptimumBank Holdings, Inc., Plantation, Florida -- commitment waiver request.

- Granted, July 30, 2004 

Atlanta

Oswego Community Bank Employee Stock Ownership Plan, Oswego, Illinois -- to 

increase its ownership of Oswego Bancshares, Inc. and thereby acquire Oswego 

Community Bank.

- Approved, July 30, 2004 

Chicago

Southwest Florida Community Bancorp, Inc., Fort Myers, Florida -- to acquire shares of 

Community Bank of Cape Coral, Cape Coral, a de novo bank.

- Approved, July 27, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority July 25, 2004 to July 31, 2004

Bank Holding Companies

SunTrust Banks, Inc., Atlanta, Georgia, and SunTrust Bank Holding Company, Orlando, 

Florida -- commenter's request to extend the comment period on the application to 

acquire National Commerce Financial Corporation, Memphis, Tennessee.

- Denied, July 30, 2004 

Secretary

Western Transaction Corporation, Duluth, Minnesota -- to become a bank holding 

company by acquiring Western National Bancorporation, Inc. and Western National 

Bank; Cass Lake Company and its subsidiary, The First National Bank of Cass Lake, 

Cass Lake; and Premier Credit Corporation, Duluth; and to engage through Cass Lake 

Company in insurance agency activities in a town with a population not exceeding 5,000.

- Withdrawn, July 28, 2004 

Minneapolis

Banks, Foreign

Banco de Chile, Santiago, Chile -- to establish a branch in Miami, Florida.

- Approved, July 27, 2004 

Director, BS&R

Change In Bank Control

Western Dakota Holding Company, Timber Lake, South Dakota -- change in bank 

control.

- Permitted, July 28, 2004 

Minneapolis

Competitive Factors Reports

CrediCard National Bank, San Antonio, Texas -- report on competitive factors of the 

proposed merger with Interim CrediCard National Bank, Tucson, Arizona.

- Submitted, July 28, 2004 

Dallas

Edens Bank, Wilmette, Illinois -- report on competitive factors of the proposed purchase 

of certain assets and assumption of liabilities of Howard Savings Bank, Glenview.

- Submitted, July 29, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority July 25, 2004 to July 31, 2004

Competitive Factors Reports

The First National Bank of Emory, Emory, Texas -- report on competitive factors of the 

proposed acquisition of the Emory branch of The City National Bank of Sulphur Springs, 

Sulphur Springs.

- Submitted, July 29, 2004 

Dallas

First Niagara Financial Group, Inc., Lockport, New York -- report on competitive 

factors of the proposed acquisition of Hudson River Bancorp, Inc., Hudson, and Hudson 

River Bank & Trust Company.

- Submitted, July 30, 2004 

New York

Guaranty Bank, Austin, Texas -- report on competitive factors of the proposed 

acquisition of the branches of Pan American Bank, FSB, Burlingame, California, in 

Burlingame and San Carlos.

- Submitted, July 29, 2004 

San Francisco

Lincoln Park S&LA, Lincoln Park, New Jersey -- report on competitive factors of the 

proposed merger with Lincoln Park Interim Banks I and II as part of a mutual holding 

company conversion and reorganization.

- Submitted, July 28, 2004 

New York

MAF Bancorp Incorporated, Clarendon Hills, Illinois -- report on competitive factors of 

the proposed acquisition of Chesterfield Federal Savings and Loan Association, Chicago.

- Submitted, July 29, 2004 

Chicago

Republic Bank, Lansing, Michigan -- report on competitive factors of the proposed 

acquisition of the Lansing branch of Chemical Bank and Trust Company, Midland.

- Submitted, July 29, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority July 25, 2004 to July 31, 2004

Currency

Federal Reserve Notes -- letter confirming request for printing of notes during the fiscal 

year ending September 30, 2005.

- Approved, July 30, 2004 

Director, RBOPS

Extensions Of Time

Citibank, N.A., New York, New York -- extension of time for Citibank Overseas 

Investment Corporation, New Castle, Delaware, and Citicorp Finance (Thailand) 

Limited, Bangkok, Thailand, to divest their interests in certain properties acquired in 

settlement of debts previously contracted (DPC).

- Granted, July 29, 2004 

Secretary

Dacotah Bank, Rolla, North Dakota -- extension to October 1, 2004, to establish a 

branch at 1121 South Broadway, Minot.

- Granted, July 29, 2004 

Minneapolis

Financial Holding Companies

First Independence Corporation, Detroit, Michigan -- election to become a financial 

holding company.

- Effective, July 29, 2004 

Chicago

Fishback Financial Corporation, Brookings, South Dakota -- election to become a 

financial holding company.

- Effective, July 29, 2004 

Minneapolis

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority July 25, 2004 to July 31, 2004

International Operations

Silicon Valley Bank, Santa Clara, California -- to establish SVB Global Financial, Inc. as 

an agreement corporation, and for SVB Global Financial, Inc. to invest in SVB 

Technology Capital, Ltd., London, England, and in SVB India Advisors Private, Ltd., 

Bangalore, India; and for Silicon Valley Bancshares, Santa Clara, to invest in SVB India 

Advisors Private, Ltd.

- Approved, July 26, 2004 

Director, BS&R

(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 31, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, July 31, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Banco De Chile, Santiago, Chile, to convert its Miami, Florida 

Agency to a Branch.

Newspaper – N/Avail

FBSEA Dexia Credit Local, Paris, France, to upgrade its New York 

agency to a branch.

Newspaper – N/Avail

Branch Solvay, Bank, Solvay, New York, to establish a branch office at 

Glenn Crossing Plaza, 7421 Oswego Road, Liverpool, Town of 

Clay, County of Onondaga, New York.

Newspaper – 08/06/2004

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

2333412 United States TC of NY, New York, 

New York.

03/15/2004 07/20/2004 O X

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 31, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Abington Mutual Holding Company and Abington Community 

Bancorp, Inc., Jenkintown, PA, each request to become a bank 

holding company in connection with the reorganization of

Abington Savings Bank, Jenkintown, PA, from a state chartered 

mutual savings bank into a state chartered stock savings bank.

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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, July 31, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

* 3A5 F.N.B. Corporation, Hermitage, PA to acquire Slippery Rock 

Financial Corporation, Slippery Rock, PA and its wholly-owned 

subsidiary, The First National Bank of Slippery Rock, Slippery 

Rock, PA pursuant to Section 3(a)(5) of the Bank Holding 

Company Act.

Newspaper – 08/13/2004

Fed Reg – 08/16/2004

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

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 31, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Virginia Commerce Bank, Arlington, Virginia, to establish

a branch at 2401 Mount Vernon Avenue, Alexandria, Virginia.*

Newspaper – 08/09/2004

Branch Old Line Bank, Waldorf, Md., to establish a branch at 1641 

State Route 3 North, Crofton, Maryland.*

Newspaper – 08/10/2004

Branch Virginia Commerce Bank, Arlington, Virginia, to establish a 

branch at 4221 Walney Road, Suite 120, Chantilly, Virginia.*

Newspaper – 08/11/2004

18(c) Union Bank & Trust Company, Bowling Green, Virginia, to 

merge with Guaranty Bank, Charlottesville, Virginia.*

Newspaper – 08/19/2004

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Foreign Wachovia Bank, National Association, Charlotte, North 

Carolina, to convert its Frankfurt, Germany, representative 

office to a branch.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, July 31, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

WAIVR Colonial Bank, N.A., Montgomery, Alabama, application waiver 

in connection with the proposed acquisition of Premier

Community Bank of South Florida, Fort Lauderdale, Florida. 

WAIVR Union Bancshares, Inc., Pell City, Alabama, application waiver 

in connection with the proposed acquisition of Premier

Community Bank of South Florida, Fort Lauderdale, Florida.

WAIVR First National Bankshares of Florida, Inc., Naples, Florida,

application waiver in connection with the proposed acquisition 

of Premier Community Bank of South Florida, Fort Lauderdale, 

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 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 31, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18c & Branches Citizens Bank, Flint, Michigan, to merge with F&M BankWisconsin, Kaukauna, Wisconsin, and thereby to establish 51 

branches.*

Newspaper – N/Avail

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

the liabilities of the Orange City, Iowa, and Sheldon, Iowa, 

branch offices of First Federal Bank, Sioux City, Iowa, and 

thereby to establish branch offices at 104 1st Street SE, Orange 

City, Iowa, and 1201 Second Avenue, Sheldon, Iowa.*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

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

FBSEA ABN AMRO Bank N.V., Amsterdam, The Netherlands, to 

establish a temporary branch office to be located at ABN 

AMRO Plaza, 540 West Madison, Chicago, Illinois, pursuant to 

Section 211.24(a)(5) of Reg. K.
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

Investment Shorebank Corporation, Chicago, Illinois, to make an 

investment, pursuant to Subpart A of Regulation K and Subpart 

C of Regulation Y, in Cambodia Entrepreneur Building Limited, 

Phnom Penh, Cambodia, through its subsidiary, ShoreCap 

International, Ltd., London, England.

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 31, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C & Branch Interim Bank of Evansville, Evansville, Indiana, ("Interim 

Bank") to merge with Bank of Evansville, N.A., Evansville, 

Indiana, and to retain the acquired facility as a branch office. 

Upon completion of the merger Interim Bank will change its 

name to Bank of Evansville.*

Newspaper – 08/26/2004

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3A1 Bancorp VI, Inc., Stillwell, Kansas, to become a bank holding 

company by acquiring 100 percent of The First State Bank of 

Grand Chain, Grand Chain, Illinois.*

Newspaper – N/Avail

Fed Reg – 08/27/2004

CIC Notice by the Douglas E. Hazel Revocable Trust, with Douglas 

E. Hazel as trustee, Washington, Missouri (Douglas Trust), to 

become the largest individual shareholder of Cardinal Bancorp, 

Inc., St. Louis, Missouri. In addition, the Hazel Family, when 

acting as a group in concert, will gain control of Cardinal 

Bancorp. The Hazel Family consists of Douglas Trust, the 

Cynthia Hazel Gilbertson Revocable Trust, with Cynthia Hazel 

Gilbertson as trustee, Faribault, Minnesota, and Hazel 

Investments, Limited Partnership, Washington, Missouri.

(Previously reported during the week ended July 17, 2004.)*

Newspaper – 08/18/2004

Fed Reg – 08/17/2004

3A3 Century Bancshares, Inc., Gainesville, Missouri ("Century"), to 

acquire additional shares, and thereby retain approximately 24 

percent ownership, of Ozarks Heritage Financial Group, Inc., 

Gainesville, Missouri ("Ozarks") and thereby indirectly retain 

ownership of Legacy Bank & Trust Company, Plato, Missouri. 

Concurrently with this transaction, Century and Ozarks propose 

to acquire 100 percent of The Citizens Bank of Sparta, Sparta, 

Missouri. (Previously reported during the weeks ending July 17, 

2004 and July 24, 2004.)*

Newspaper – 09/03/2004

Fed Reg – 08/16/2004

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

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, July 31, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC The Marvin T. Loosbrock Residuary Trust U/A dated April 

9, 1984; the Marvin T. Loosbrock QTIP Trust U/A dated 

April 9, 1984 (collectively, the "Trusts"); Lois M. 

Loosbrock, individually and as trustee of the Trusts; Mark 

L. Loosbrock, individually and as trustee of the Trusts; and 

Gary M. Loosbrock, individually and as trustee of the 

Trusts; a group acting in concert, all of Lismore, 

Minnesota, to gain control of Lismore Financial Services, 

Inc., Lismore, Minnesota, and thereby indirectly gain 

control of the State Bank of Lismore, Lismore, Minnesota.

Fed Reg – 08/04/2004

Newspaper – 08/05/2004

CIC Notice by Ralph D. Jones, Midland, South Dakota, to 

acquire control of Philip Bancorporation, Inc., Philip, 

South Dakota, and thereby indirectly acquire control of 

First National Bank in Philip, Philip, South Dakota.

Fed Reg – N/Avail

Newspaper – 08/18/2004

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

256553 Dacotah Bank

Aberdeen, SD 

04/05/2004 07/29/2004 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, July 31, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Midwest Community Financial Corporation, Midwest City, 

Oklahoma, to become a bank holding company through the 

acquisition of up to 100 percent of the voting shares of Canute 

Bancshares, Inc., Clinton, Oklahoma, and thereby indirectly 

acquire First State Bank, Canute, Oklahoma.

Newspaper – 08/24/2004

Fed Reg – 08/27/2004

3(a)(1) Eastman Acquisition Holding Company, Ponca City, Oklahoma, 

to become a bank holding company through the acquisition of 

up to 100 percent of the voting shares of Eastman National 

Bancshares, Inc., Newkirk, Oklahoma, and thereby indirectly 

acquire Eastman National Bank of Newkirk, Newkirk, 

Oklahoma.

Newspaper – 08/24/2004

Fed Reg – 08/23/2004

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Membership 

Withdrawal

First United Bank, Englewood, Colorado, to waive the 6-month 

notice of membership withdrawal.
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 31, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, July 31, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Liberty Bank, South San Francisco, California, to establish a 

branch office at 251 Lytton Avenue, Palo Alto, California.*

Newspaper – 08/07/2004

18C & Branch The Vintage Bank, Napa, California, to merge with Solano 

Bank, Vacaville, California.*

Newspaper – 08/31/2004

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) Affinity Bank Holdings, Inc., Ventura, California, to become a 

bank holding company by acquiring 100 percent of Affinity 

Bank, Ventura, California.*

Newspaper – 08/31/2004

Fed Reg – 08/30/2004

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subje ct 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