Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 41 

Week Ending October 13, 2001 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions October 7, 2001 to October 13, 2001 

Regulations And Policies 

Regulation D -- final rule implementing the annual adjustment of the low reserve tranche 

and reserve requirement exemption for 2002 and announcing the deposit reporting cutoff 

level beginning in September 2002. 

- Approved, October 9, 2001 

Regulation K -- amendments to Subparts A, B, and C and proposed amendments to 

Subpart D. 

- Approved, October 11, 2001 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority October 7, 2001 to October 13, 2001 

BS&R Banking Supervision and Regulatio RBOPS Reserve Bank Operations and Payment 

IF International Fiance 

OSDM Office of Staff Director for Managemen 

C&CA Consumer and Community Affai 

FOMC Federal Open Market Committ 

Bank Branches, Domestic 

Secretary 

AmSouth Bank, Birmingham, Alabama -- to establish branches in Montgomery, 

Alabama, and Tampa, Florida. 

- Approved, October 12, 2001 

Richmond 

Gateway Bank & Trust Co., Elizabeth City, North Carolina -- to establish a branch at 

300-D Virginia Road, Edenton. 

- Approved, October 11, 2001 

Chicago 

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish a branch at 2511 

London Road, Duluth, Minnesota. 

- Approved, October 12, 2001 

New York 

Atlanta 

Dallas 

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a branch 

in the Kings Way Retirement Home, 5000 Queen Philomena Boulevard, Schenectady. 

- Approved, September 24, 2001 (AC) 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 2715 Loganville Highway, 

Grayson. 

- Approved, October 11, 2001 

Texas State Bank, McAllen, Texas -- to establish a branch at 2314 West University 

Drive, Edinburg. 

- Approved, October 9, 2001 

(AC) = Addition or Correction Delegated - Page 1 of 5 
H.2 Actions under delegated authority October 7, 2001 to October 13, 2001 

Bank Holding Companies 

Richmond 

Atlanta 

Atlanta 

BB&T Corporation, Winston-Salem, North Carolina -- to acquire Community First 

Banking Company, Carrollton, Georgia. 

- Approved, October 11, 2001 

Coastal Community Investments, Inc., Panama City Beach, Florida -- to become a bank 

holding company through the acquisition of Apalachicola State Banking Corporation, 

Apalachicola, and Apalachicola State Bank. 

- Withdrawn, October 11, 2001 

FPB Bancorp, Inc., Port St. Lucie, Florida -- to become a bank holding company 

through the acquisition of First Peoples Bank. 

- Approved, October 10, 2001 

Minneapolis 

Frandsen Financial Corporation, Arden Hills, Minnesota -- to acquire F&M Bank 

Minnesota, Dundas. 

- Approved, October 9, 2001 

Kansas City 

Leawood Bancshares, Inc., Leawood, Kansas -- to become a bank holding company 

through the acquisition of Town & Country Bank. 

- Approved, October 12, 2001 

Chicago 

Mid-Iowa Bancshares Co., Algona, Iowa -- to acquire shares of Horizon Bank, Encino, 

California, a de novo bank. 

- Withdrawn, October 2, 2001 (AC) 

Richmond 

New Peoples Bankshares, Inc., Honaker, Virginia -- to become a bank holding company 

through the acquisition of New Peoples Bank, Inc. 

- Approved, October 10, 2001 

(AC) = Addition or Correction Delegated - Page 2 of 5 
H.2 Actions under delegated authority October 7, 2001 to October 13, 2001 

Bank Holding Companies 

Kansas City 

NorthStar Bancshares, Inc., Kansas City, Missouri -- waiver of application requirements 

in connection with the proposed acquisition of Admire Bank, Emporia, Kansas, by 

NorthStar Bank, National Association, Kansas City, Missouri. 

- Granted, October 11, 2001 

Dallas 

Overton Financial Corporation, Overton, Texas, and Overton Delaware Corporation, 

Dover, Delaware -- to acquire Longview Delaware Corporation, Dover; Longview 

Financial Corporation, Longview, Texas; Longview Bank and Trust, Longview; and First 

State Bank, Van. 

- Approved, October 11, 2001 

Richmond 

Piedmont BankCorp, Statesville, North Carolina -- to become a bank holding company 

through the acquisition of Piedmont Bank; and for Piedmont Bank to become a member 

of the Federal Reserve System. 

- Approved, October 11, 2001 

Bank Mergers 

Secretary 

Capital City Bank, Tallahassee, Florida -- to merge with First National Bank of Grady 

County, Cairo, Georgia, and establish branches. 

- Approved, October 12, 2001 

Richmond 

First Virginia Bank-Hampton Roads, Norfolk, Virginia -- to merge with James River 

Bank, Waverly, and James River Bank/Colonial, Suffolk. 

- Approved, October 9, 2001 

Banks, State Member 

San Francisco 

Pacific Coast Bankers' Bank, San Francisco, California -- to establish PCBB CBIA, 

Inc., as a financial subsidiary. 

- Approved, October 11, 2001 

(AC) = Addition or Correction Delegated - Page 3 of 5 
H.2 Actions under delegated authority October 7, 2001 to October 13, 2001 

Change In Bank Control 

Boston 

Central Bancorp, Inc., Somerville, Massachusetts. -- change in bank control. 

- Permitted, October 12, 2001 

Atlanta 

West Baton Rouge Bancshares, Inc., Port Allen, Louisiana, and Bank of West Baton 

Rouge -- change in bank control. 

- Permitted, October 12, 2001 

Competitive Factors Reports 

San Francisco 

The Bank of Hemet, Riverside, California -- report on competitive factors of the 

proposed merger with Hemet Merger Company. 

- Submitted, October 11, 2001 

San Francisco 

Capitol Thrift & Loan Association, Napa, California -- report on competitive factors of 

the proposed merger with Capitol Valley Bank, Roseville. 

- Submitted, October 11, 2001 

Richmond 

Central Carolina Bank and Trust Company, Durham, North Carolina -- report on 

competitive factors of the proposed merger with SouthBank, FSB, Anderson, South 

Carolina. 

- Submitted, October 9, 2001 

Cleveland 

Commerce Exchange Bank, Beachwood, Ohio -- report on competitive factors of the 

proposed merger with Second National Bank of Warren, Warren. 

- Submitted, October 5, 2001 (AC) 

Kansas City 

First National Bank of Colorado, Boulder, Colorado -- report on competitive factors of 

the proposed merger with FNC Trust Group, N.A. 

- Submitted, October 10, 2001 

(AC) = Addition or Correction Delegated - Page 4 of 5 
H.2 Actions under delegated authority October 7, 2001 to October 13, 2001 

Competitive Factors Reports 

Richmond 

The First National Bank of Williamson, Williamson, West Virginia -- report on 

competitive factors of the proposed merger with FNB Interim Bank, National 

Association, a de novo bank. 

- Submitted, October 9, 2001 

Dallas 

Louisiana Delta Bank, Lake Providence, Louisiana -- report on competitive factors of the 

proposed merger with Louisiana Central Bank, Ferriday. 

- Submitted, October 12, 2001 

Cleveland 

National Bank and Trust Company, Wilmington, Ohio -- report on competitive factors of 

the proposed purchase of assets and assumption of liabilities of Sabina Bank, Sabina. 

- Submitted, October 11, 2001 

Kansas City 

TeamBank, National Association, Paola, Kansas -- report on competitive factors of the 

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

Village branch of Community Bank, Chapman. 

- Submitted, October 10, 2001 

Financial Holding Companies 

Minneapolis 

Republic Bancshares, Inc., Duluth, Minnesota -- election to become a financial holding 

company. 

- Effective, October 10, 2001 

(AC) = Addition or Correction Delegated - Page 5 of 5 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, October 13, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, October 13, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Representative 

Office 

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

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

Newspaper – N/Avail 

Representative 

Office 

Hamburgische Landesbank-Girozentrale, Hamburg, Germany, to 

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

Newspaper – N/Avail 

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

into a branch.* 

Newspaper – N/Avail 

Branch The Chase Manharttan Bank, New York, New York, to open and 

occupy a de novo branch at 1037 High Ridge Road, Stamford, 

Connecticut.* 

Newspaper – 11/05/2001 

* 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 

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 2001 

Institution Location 

None 
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, October 13, 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, October 13, 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, October 13, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch James Monroe Bank, Arlington, Virginia, to establish a branch Newspaper - 10/26/2001 

at 10509 Judicial Drive, Fairfax, Virginia.* 

*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 

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, October 13, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) SouthTrust Bank, Birmingham, Alabama, to merge with 

Commerce Bank, Richmond, Virginia. 

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

located at 5320 Beach Street, Haltom City, Texas. 

18(c) Southern Security Bank, Hollywood, Florida, to acquire certain 

assets and assume certain liabilities of the PanAmerican Bank, 

Miami, Florida. 

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

located at 400 Poydras Street, New Orleans, Louisiana, to be 

known as the New Orleans Main Branch. 

11/02/2001* 

10/05/2001* 

N/Avail* 

10/27/2001* 

*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)(5) Alabama National BanCorporation, Birmingham, Alabama, to 

merge with Farmers National Bancshares, Inc., and thereby 

directly acquire Farmers National Bank of Opelika, both of 

Opelika, Alabama. 

Newspaper - 11/07/2001* 

3(a)(1) Southern Community Bancshares, Inc., Fayetteville, Georgia, to 

become a bank holding company by acquiring Southern 

Community Bank, Fayetteville, Georgia. 

Newspaper - 11/13/2001* 

*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 SouthTrust Corporation, Birmingham, Alabama, application 

waiver request for the proposed merger with Community 

Bancshares Incorporated, and indirect acquisition of Commerce 

Bank, both of Richmond, Virginia. 

OTHER AmSouth Bank, Birmingham, Alabama, to establish a new 

FOREIGN foreign subsidiary, to be located in Hong Kong, and thereby 

engage in issuing import commercial letters of credit to 

beneficiaries in Asia. 

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 

817833 SouthTrust Bank 

420 North 20th Street 

04/02/2001 10/10/2001 S X 

Birmingham, Alabama 35203 

(334) 254-5000 

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, October 13, 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) 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.* 

3(a)(5) Associated Banc-Corp., Green Bay, Wisconsin, for prior 

approval to acquire 100 percent of the voting shares of Signal 

Financial Corporation, Mendota Heights, Minnesota and thereby 

indirectly acquire Signal Bank National Association, Eagan, 

Minnesota and Signal Bank South National Association, Red 

Wing, Minnesota.* 

3(a)(5) Dunlap Iowa Holding Co., Dunlap, Iowa, for prior approval to 

acquire 100 percent of the voting shares of EWN Investments, 

Inc., Ute, Iowa. and thereby indirectly acquire Ute State Bank, 

Ute, Iowa.* 

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.* 

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

acquire control of First Community Bancshares, Inc., 

Bargersville, Indiana. 

Fed Reg – 10/22/2001 

Newspaper – N/Avail 

Fed Reg – 10/29/2001 

Newspaper – 10/19/2001 

Fed Reg – 11/02/2001 

Newspaper – N/Avail 

Fed Reg – 10/09/2001 

Newspaper – N/Avail 

Fed Reg – 10/19/2001 

Newspaper – 10/16/2001 
Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

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 to acquire 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) Home Federal Bancorp, Seymour, Indiana, for prior approval to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of Home Federal Savings Bank, 

Seymour, Indiana.* 

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.* 

Notification by Abdula Family Limited Partnership and certain 

other parties, of a Change in Control of Northern States 

Financial Corporation, Waukegan, 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)(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 – 10/29/2001 

Newspaper – N/Avail 

Fed Reg – 11/13/2001 

Newspaper – N/Avail 

Fed Reg – 10/26/2001 

Newspaper – N/Avail 

Fed Reg – 11/02/2001 

Newspaper – 10/27/2001 

Fed Reg – 11/01/2001 

Newspaper – N/Avail 

Fed Reg – 10/12/2001 

Newspaper – 10/07/2001 

Fed Reg – 10/26/2001 

Newspaper – 10/26/2001 

Fed Reg – 10/26/2001 

Newspaper – 10/24/2001 

* Subject to the provisions of the Community Reinvestment Act 

CC 
Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4(c)(8) Associated Banc-Corp., Green Bay, Wisconsin, for prior 

approval to acquire 100 percent of the voting shares of Signal 

Finance Company, Mendota Heights, Illinois and thereby to 

engage in extending credit and servicing loans and selling credit 

life and accident and health insurance in conjunction with 

lending and to acquire 100 percent of the voting shares of Signal 

Trust Company, N.A., Mendota Heights, Minnesota and thereby 

to engage in trust company functions. 

Fed Reg – N/Avail 

4(c)(8) M.S. Investment Company, Milwaukee, Wisconsin and Mitchell 

Bank Holding Corporation, Milwaukee, Wisconsin, notification 

of intent to continue to engage in extending credit and servicing 

loans. 

Fed Reg – 10/29/2001 

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

Type Application 

3(a)(1) Notice Dells Bancshares, Inc., Wisconsin Dells, Wisconsin, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of Bank of 

Wisconsin Dells, Wisconsin Dells, Wisconsin. 

Membership Home Federal Savings Bank, Seymour, Indiana, for prior 

approval to become a member of the Federal Reserve System. 

Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance
Section V – Availability of CRA public evaluations 

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, October 13, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) Notice by First Bank, Creve Coeur, Missouri to merge with 

Union Bank of Illinois, Swansea, Illinois.* 

Newspaper – 11/8/2001 

18(c) Notice by First Bank, Creve Coeur, Missouri to merge with The 

State Bank of Jerseyville, Jerseyville, Illinois.* 

Newspaper – 11/8/2001 

* 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)(3) Notice by First Banks, Inc., St. Louis, Missouri to acquire Plains 

Financial Corporation, Des Plaines, Illinois.* 

Newspaper – 11/8/2001 

Fed Reg – 11/13/2001 

3(a)(1) Notice by Clover Leaf Financial Corp., Edwardsville, Illinois, to 

acquire 100 percent of Clover Leaf Bank, S.B., Edwardsville, 

Illinois. (Previously submitted during the week ending 

September 22, 2001).* 

Newspaper – 11/5/2001 

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 

3(a)(5)(C) Notice by PRP Bancorp, Inc., Corbin, Kentucky to acquire PRP 

National Bank, Pleasure Ridge Park, Kentucky 

Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, October 13, 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) State Bankshares, Inc., Fargo, North Dakota, for prior approval 

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

Moorhead, Moorhead, Minnesota.* 

Fed. Reg. – 10/22/2001 

Newspaper – 10/26/2001 

3(a)(1) Superior National Banc Holding Company, Superior, Wisconsin, 

proposes to acquire 100% of the voting shares of Superior 

National Bank, Superior, Wisconsin.* 

Fed. Reg. – 11/08/2001 

Newspaper – 11/01/2001 

*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 

777254 Farmers State Bank of West Concord 6/18/2001 10/03/2001 S X 

West Concord, 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, October 13, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) First State Bank in Davidson, Davidson, Oklahoma, for prior Newspaper – 11/12/2001 

approval to purchase certain assets and assume certain liabilities 

of the Meridian branch of First National Bank of Oklahoma, 

Ponca City, Oklahoma and to operate under the charter and title 

of First State Bank in Davidson, Davidson, Oklahoma. 

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

Ending date of 

Type Application comment period 

3(a)(1) Lindoe, Inc., Ordway, Colorado, for prior approval to acquire up 

10 percent of the voting shares of Southern Colorado National 

Bancorp, Inc., parent of Southern Colorado National Bank, both 

of Pueblo, Colorado. 

Newspaper – 11/01/2001 

Fed Reg – 11/02/2001 

3(a)(1) Chickasaw Banc Holding Company, Yukon, Oklahoma, for 

prior approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of First Bancorp 

in Davidson, Inc., parent of First State Bank in Davidson, both 

of Davidson, Oklahoma. 

Newspaper – 11/12/2001 

Fed Reg – 11/08/2001 

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 

443951 Peoples Bank 

6201 NW 23rd Street 

07/16/2001 10/08/2001 S X 

Oklahoma City, Oklahoma 73127 

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, October 13, 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) Texas People National Bancshares, Inc., Paris, TX, to acquire 

Western Dakota Holding Company, Timber Lake, SD, and 

Western Dakota Bank, Timber Lake, SD* (previously reported 

the week ending October 6, 2001) 

3(a)(5) Sterling Bancshares, Inc., Houston, TX, to acquire Community 

Bancshares, Inc., Katy, TX Community Bancshares of 

Delaware, Inc., Wilmington, DE, and Community Bank, Katy, 

TX* (previously reported the week ending October 6, 2001) 

3(a)(3) South Plains Financial, Inc., Lubbock, TX, and South Plains 

Delaware Financial Corporation, Dover, DE, to acquire Zia 

Financial Corporation, Ruidoso, NM, and City Bank New 

Mexico, Ruidoso, NM* (previously reported the week ending 

October 6, 2001) 

3(a)(1) Zia Financial Corporation, Ruidoso, NM, to acquire City Bank 

New Mexico, Ruidoso, NM* (previously reported the week 

ending October 6, 2001) 

3(a)(1) National United Bancshares, Inc., Gatesville, TX, to acquire 

National United Holdings, Inc., Wilmington, DE, and National 

Bank, Gatesville, TX* 

3(a)(1) National United Holdings, Inc., Wilmington, DE, to acquire 

National Bank, Gatesville, TX* 

Fed Reg – 11/02/2001 

Newspaper – 10/27/2001 

Fed Reg – 11/02/2001 

Newspaper – 11/03/2001 

Fed Reg – 10/19/2001 

Newspaper – 10/18/2001 

Fed Reg – 10/19/2001 

Newspaper – 10/18/2001 

Fed Reg – 11/13/2001 

Newspaper – 10/30/2001 

Fed Reg – 11/13/2001 

Newspaper – 10/30/2001 

*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 

1017658 Texas State Bank 

3900 North 10th Street 

06/18/2001 10/13/2001 S X 

McAllen, Texas 78501-1719 

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, October 13, 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 

S/R Pacific Century Financial Corporation, Honolulu, Hawaii, to 

repurchase up to $200 million of its common stock. 
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 

207872 First Utah Bank 06-11-2001 10-10-2001 S X 

3826 South 2300 East 

Salt Lake City, Utah 84109-3499 

(801) 272-9454 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None