Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 49

Week Ending December 6, 2003

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions November 30, 2003 to December 6, 2003

Advisory Councils

Thrift Institutions Advisory Council -- appointment of four new members and designation 

of William J. Small as President and D. Tad Lowrey as Vice President for 2004.

- Announced, December 1, 2003 

Bank Holding Companies

Desjardins Group, Montreal, Canada; Federation des caisses Desjardins du Quebec, 

Levis; La Caisse centrale Desjardins du Quebec, Montreal; and Desjardins FSB 

Holdings, Inc., Wilmington, Delaware -- to become bank holding companies through the 

conversion of their thrift, Desjardins Federal Savings Bank, Hallandale, Florida, to a 

national bank, Desjardins Bank, N.A.

- Approved, December 3, 2003 

Board Operations

Board -- budgets for 2004-2005 and related delegation of authority to the Administrative 

Governor.

- Approved, December 3, 2003 

Management Division -- promotion of H. Fay Peters to Director.

- Approved, December 1, 2003 

Regulations And Policies

Foreign Gifts and Decorations -- revisions to the Board's rules governing when Board 

employees, their spouses, and dependents may accept and retain gifts and decorations 

from foreign governments.

- Approved, December 1, 2003 

Enforcement

Putnam County Bank, Hurricane, West Virginia -- written agreement with the Federal 

Reserve Bank of Richmond and the West Virginia Division of Banking.

- Announced, December 1, 2003 

(AC) = Addition or Correction Board - Page 1 of 1
November 30, 2003 to December 6, 2003

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

AmSouth Bank, Birmingham, Alabama -- to establish a branch at 795 West State Road 

434, Longwood, Florida.

- Approved, December 2, 2003 

Atlanta

AmSouth Bank, Birmingham, Alabama -- to establish a branch at 1522 Cape Coral 

Parkway West, Cape Coral, Florida.

- Approved, December 4, 2003 

Atlanta

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 1900 South Douglas 

Boulevard, Midwest City, Oklahoma.

- Approved, December 3, 2003 

St. Louis

EagleBank, Bethesda, Maryland -- to establish branches at 11921 Rockville Pike, 

Rockville, and 1250 Connecticut Avenue Northwest, Washington, D.C.

- Approved, December 1, 2003 

Richmond

First Southern Bank, Boca Raton, Florida -- to establish a branch at 2419 East 

Commercial Boulevard, Fort Lauderdale.

- Returned, December 5, 2003 

Atlanta

Frederick County Bank, Frederick, Maryland -- to establish a branch at 200 Commerce 

Drive, Walkersville.

- Approved, December 4, 2003 

Richmond

JPMorgan Chase Bank, New York, New York -- to establish a branch at Highway 6 

and Spencer Highway, Houston, Texas.

- Approved, December 5, 2003 

New York

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority November 30, 2003 to December 6, 2003

Bank Branches, Domestic

LandMark Bank of Florida, Sarasota, Florida -- to establish a branch at Cattlemen and 

Fruitville Roads.

- Approved, December 3, 2003 

Atlanta

Pinnacle Bank, Papillion, Nebraska -- to establish a branch at 20304 Veterans Drive, 

Elkhorn.

- Approved, December 1, 2003 

Kansas City

Western Reserve Bank, Medina, Ohio -- to establish a branch at 8747 Brecksville Road, 

Brecksville.

- Approved, December 5, 2003 

Cleveland

Bank Holding Companies

Alpha Financial Group Inc. Employee Stock Ownership Plan, Toluca, Illinois -- to 

acquire additional shares of Alpha Financial Group, Inc., and thereby acquire Alpha 

Community Bank.

- Approved, December 3, 2003 

Chicago

Bancorp III, Inc., Stilwell, Kansas -- to become a bank holding company through the 

acquisition of First Bank of Kansas City, Kansas City, Missouri.

- Approved, December 5, 2003 

Kansas City

Buckhead Community Bancorp, Inc., Atlanta, Georgia -- commitment waiver request.

- Withdrawn, December 1, 2003 

Atlanta

Carolina Financial Corporation, Charleston, South Carolina -- to acquire certain assets 

and assume certain liabilities of Crescent Mortgage Services, Inc., Atlanta, Georgia.

- Approved, December 5, 2003 

Richmond

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority November 30, 2003 to December 6, 2003

Bank Holding Companies

City Bancshares, Inc., Corsicana, Texas, and City Bancshares of Delaware, Inc., Dover, 

Delaware -- to become bank holding companies through the acquisition of City National 

Bank, Corsicana.

- Approved, December 3, 2003 

Dallas

Daingerfield Holding Company, Daingerfield, Texas -- to become a bank holding 

company through the acquisition of The National Bank of Daingerfield.

- Approved, December 5, 2003 

Dallas

First National Bankshares of Florida, Inc., Naples, Florida -- to acquire First National 

Wealth Management Company and Roger Bouchard Insurance, Inc., Clearwater, and 

thereby engage in insurance agency activities.

- Withdrawn, December 2, 2003 

Atlanta

First National Bankshares of Florida, Inc., Naples, Florida -- to become a bank holding 

company through the acquisition of First National Bank of Florida, and election to 

become a financial holding company.

- Approved, December 2, 2003 

Atlanta

MSB Holding, Inc., Montrose, Michigan -- to become a bank holding company through 

the acquisition of Montrose State Bank.

- Approved, December 5, 2003 

Chicago

New Century Bancorp, Inc., Dunn, North Carolina -- to acquire New Century Bank of 

Fayetteville, Fayetteville, a de novo bank.

- Approved, December 4, 2003 

Richmond

Pinnacle Financial Partners, Inc., Nashville, Tennessee -- commitment waiver request.

- Withdrawn, December 3, 2003 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority November 30, 2003 to December 6, 2003

Bank Holding Companies

PSB BancGroup, Inc., Lake City, Florida -- commitment waiver request.

- Withdrawn, December 4, 2003 

Atlanta

Texoma Holding Company, Inc., Dover, Delaware -- to become a subsidiary holding 

company of North American Bancshares, Inc., Sherman, Texas, through the acquisition of 

American Bank of Texas.

- Registration granted, December 3, 2003 

Dallas

Bank Mergers

North Valley Bank, Redding, California -- to merge with Six Rivers Bank, Eureka, and 

thereby acquire eight Northern California branches.

- Approved, December 3, 2003 

San Francisco

Change In Bank Control

Poplar Bluff Banc Company, Poplar Bluff, Missouri -- change in bank control.

- Permitted, December 2, 2003 

St. Louis

Competitive Factors Reports

1st National Bank & Trust, Bradenton, Florida -- report on competitive factors of the 

proposed merger with The Trust Company of Florida, Englewood.

- Submitted, December 4, 2003 

Atlanta

American Bank of Texas, N.A., Marble Falls, Texas -- report on competitive factors of 

the proposed merger with American Bank of Texas, N.A., Fredericksburg.

- Submitted, December 5, 2003 

Dallas

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority November 30, 2003 to December 6, 2003

Competitive Factors Reports

Bank of Cave City, Cave City, Arkansas -- report on competitive factors of the 

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

Strawberry branch of First Community Bank, Jonesboro.

- Submitted, December 5, 2003 

St. Louis

Bar Harbor Banking and Trust Company, Bar Harbor, Maine -- report on competitive 

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

the Rockland office of Androscoggin Savings Bank, Lewiston.

- Submitted, December 5, 2003 

Boston

Beverly State Bank, Beverly, Kansas -- report on competitive factors of the proposed 

purchase of certain assets and assumption of certain liabilities of the Hunter and Sylvan 

Grove branches of 1st Financial Bank, Overland Park.

- Submitted, December 2, 2003 

Kansas City

CenterState Bank Mid Florida, Leesburg, Florida -- report on competitive factors of the 

proposed purchase of assets and assumption of deposit liabilities of the Clermont and 

Groveland branches of Community National Bank of Pasco County, Zephyrhills.

- Submitted, December 3, 2003 

Atlanta

Fidelity Bank, Wichita, Kansas -- report on competitive factors of the proposed merger 

with Bridgeview Bank, N.A., Oklahoma City, Oklahoma.

- Submitted, December 3, 2003 

Kansas City

First Central Bank, Warrensburg, Missouri -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Higginsville branch of 

Bank Midwest, N.A., Kansas City.

- Submitted, December 1, 2003 

St. Louis

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority November 30, 2003 to December 6, 2003

Competitive Factors Reports

FNBI Interim Bank, N.A., St. Marys, Georgia -- report on competitive factors of the 

proposed merger with First National Bank, Orange Park, Florida.

- Submitted, December 3, 2003 

Atlanta

Extensions Of Time

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga Springs, 

New York -- extension to March 4, 2004, to become a bank holding company with 

respect to 473 Broadway Holding Corporation and The Adirondack Trust Company.

- Granted, December 3, 2003 

New York

Central Bancorp, Inc., Somerville, Massachusetts -- extension to October 23, 2004, to 

effect a change in bank control.

- Granted, December 4, 2003 

Boston

The Community Bank of Virginia, Midlothian, Virginia -- extension to February 12, 2004, 

to become a member of the Federal Reserve System.

- Granted, December 3, 2003 

Richmond

Freedom Bancshares, Inc., Commerce, Georgia -- extension to March 22, 2004, to 

become a bank holding company through the acquisition of Freedom Bank of Georgia, a 

de novo bank.

- Granted, December 3, 2003 

Atlanta

Membership

Republic First Bank, Philadelphia, Pennsylvania -- request to waive the six months' notice 

of withdrawal from membership in the Federal Reserve System.

- Granted, December 5, 2003 

Philadelphia

(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, December 6, 2003

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

4(c)(8) Boston Private Financial Holdings, Inc, Boston, Massachusetts –

4(c)(8) notification to acquire 80 percent of the voting shares of

Dalton, Greiner, Hartman, Maher & Co., LLC and thereby 

indirectly acquire DGHM Management LLC, both of New York, 

New York

Fed Reg – 12/26/2003 

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, December 6, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Banco Popular North America, New York, New York, to 

establish an Interstate Branch at 1600 E. Lamar Blvd., Suite 270, 

Arlington, Texas.

Newspaper – 12/19/2003

Branch Tioga State Bank, Spencer, New York, to establish a branch 

office at 525 Hooper Road, Endwell, New York.

Newspaper – 12/19/2003

Branch Tioga State Bank, Spencer, New York, to establish a branch 

office at 1430 Front Street, Binghamton, New York.

Newspaper – 12/19/2003

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

4c8 JPMorgan Chase & Company, New York, New York, seeks 

prior approval of the Board of Governors of the Federal Reserve 

System, to acquire Chase FSB, Newark, Delaware, a de novo 

federal savings bank, and thereby engage in operating a federal 

savings bank.

Fed Reg – 01/04/2004
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

Edge HSBC Bank USA, Buffalo, New York, hereby requests the 

approval to amend the Articles of Association of HSBC 

Republic International Bank (Miami), an Edge Corporation 

wholly-owned by HSBC Bank USA.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, December 6, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch New Century Bank, Phoenixville, PA to establish a branch 

office at 155 East Lancaster Avenue, Wayne, PA, a/k/a 151 East 

Lancaster Avenue, Wayne, PA

Newspaper – 12/05/2003

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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, December 6, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(C), Other Application by The First State Bank of West Manchester, West 

Manchester, Ohio ("First State") to acquire UMW Acquisition 

Corp, DeGraff, Ohio, an interim federally chartered savings 

association and wholly owned subsidiary of MSB Financial 

Corporation, De Graff, Ohio ("MSB") AND Request by MSB to 

waive application filing requirements of section 3 with its 

acquisition of First State AND Request by First State to cancel 

its Federal Reserve Membership.

Newspaper - 12/20/2003

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

Type Application

Ending date of

comment period

3(a)(1) PSB Holdings, Inc., New Matamoras, Ohio, proposes to become 

a bank holding company through the acquisition of The Peoples 

Savings Bank, New Matamoras, Ohio.

Newspaper - 12/04/2003

Fed Reg - 12/01/2003

3(a)(5), 4(c)(8) National City Corporation, Cleveland, Ohio, to acquire Allegiant 

Bancorp, Inc., St. Louis, Missouri, pursuant to sections 3 and 4 

of the Bank Holding Company Act.

Newspaper - 11/23/2003

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

COM Request by Sky Financial Group, Inc., Bowling Green, Ohio, for 

an additional one-year extension of time to divest impermissible 

real estate acquired through its acquisition of Metropolitan 

Financial Corporation, Mentor, Ohio, in April 2003.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, December 6, 2003

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

667524 The Bank of Charlotte County

101 Berkley Street

Phenix, Virginia 23959

09/22/2003 12/04/2003 S X

Section VI – CRA examinations scheduled for 1st Quarter of 2004

Institution Location

First Charter Bank Charlotte, North Carolina

RBC Centura Bank Rocky Mount, North Carolina

Highlands Union Bank Abingdon, Virginia

Miners Exchange Bank Coeburn, Virginia

Second Bank & Trust Culpeper, Virginia

SuffolkFirst Bank Suffolk, Virginia

Resource Bank Virginia Beach, Virginia

The Fauquier Bank Warrenton, Virginia
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, December 6, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at 971 Cassart Avenue, Jacksonville, Florida, to be 

known as the Cassat Branch.*

Newspaper-12/18/2003

Branch First Southern Bank, Boca Raton, Florida, to establish a branch 

located at 2419 E. Commercial Boulevard, Fort Lauderdale, 

Florida.*

Newspaper-12/05/2003

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

located at 50 North Front Street, Suite 100, Memphis, 

Tennessee.*

Newspaper-12/09/2003

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(3) Citizens Banking Corporation, Frostproof, Florida, to acquire 

12.63 percent of the outstanding shares of American Banking 

Corporation, Lake Wales, Florida, and thereby indirectly acquire 

American Bank and Trust, Lake Wales, Florida.*

Newspaper-12/20/2003

Fed Reg-12/23/2003

3(a)(1) PBFC Holding Company, Bude, Mississippi, to become a bank 

holding company by acquiring Peoples Bank of Franklin 

County, Bude, Mississippi.*

Newspaper-01/02/2004

Fed Reg-01/04/2004

CIC Phenix-Girard Bancshares, Inc., Phenix City, Alabama, afterthe-fact change in control for the John M. Dudley, Sr. 

Irrevocable Family Trust, John M. Dudley, Jr., and Leslie Green, 

as trustees, all of Smith’s Station, Alabama, to retain 99.99 

percent of the outstanding shares of Phenix-Girard Bancshares, 

and its subsidiary, Phenix-Girard Bank, both of Phenix City, 

Alabama.

Newspaper-12/25/2003

Fed Reg-12/10/2003
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(5) Alabama National BanCorporation, Birmingham, Alabama, to 

merge with Indian River Banking Company, and thereby acquire 

its subsidiary, Indian River National Bank, both of Vero Beach, 

Florida.*

Newspaper-12/18/2003

Fed Reg-12/15/2003

CIC CenterState Banks of Florida, Inc., Winter Haven, Florida, prior 

change in control notice by Lawrence Wayne Maxwell, Anita 

Kay Maxwell, and Lawrence Todd Maxwell, all of Lakeland, 

Florida, to collectively acquire an additional 10.12 percent of the 

outstanding shares of CenterState Banks of Florida, Inc., and its 

subsidiary, CenterState Bank of Florida, both of Winter Haven, 

Florida. Total ownership will equal 19.90 percent.

Newspaper-12/21/2003

Fed Reg-12/18/2003

3(a)(1) Signature Financial Holdings, Inc., St. Petersburg, Florida, to 

become a bank holding company by acquiring 100 percent of the 

outstanding shares of Signature Bank, St. Petersburg, Florida.*

Newspaper-12/24/2003

Fed Reg-12/29/2003

*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 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, December 6, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch 1st Source Bank, South Bend, Indiana, to establish a branch 

facility to be located at 926 Erskine Plaza, South Bend, 

Indiana.*

Newspaper – N/Avail

18C & Branches Unionbank, Streator, Illinois, to merge with 

Unionbank/Northwest, Hanover, Illinois, and Unionbank/West, 

Macomb, Illinois, and thereby to establish 7 branches.*

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

CIC Notice by Norman Wirkler, Carbondale, Colorado, to control 

33.90 percent and by the Wirkler Family (Norman Wirkler, 

Carbondale, CO; Mary Wirkler, Colorado Springs, CO; Helen 

Wirkler, Dallas, TX; and Loma Mowat, Burr Ridge, IL) to gain 

control of 39.52 percent of Garnavillo Bank Corporation, 

Garnavillo, Iowa and thereby indirectly gain control of 

Garnavillo Savings Bank, Garnavillo, Iowa.

Fed Reg – 12/12/2003

Newspaper – 12/09/2003

CIC Notice by Randall E. Vail, Lake Mills, Wisconsin, to increase 

his ownership above 25 percent of The Greenwood's 

Bancorporation, Inc., Lake Mills, Wisconsin, and thereby 

indirectly acquire The Greenwood's State Bank, Lake Mills, 

Wisconsin.

Fed Reg – 12/04/2003 

Newspaper – 12/09/2003

3(a)(3) Prairieland Bancorp Employee Stock Ownership Plan and Trust, 

Bushnell, Illinois, to increase its ownership from 44.33 percent 

to 49.47 percent of Prairieland Bancorp, Inc., Bushnell, Illinois, 

and thereby indirectly acquire Farmers and Merchants State

Bank, Bushnell, Illinois.*

Fed Reg – 01/05/2004 

Newspaper – 12/30/2003
Section II – Applications subject to both newspaper and Federal Register notice

CIC Notice by JP Family Limited Partnership, Springfield, Illinois; 

Catherine J. Gonzalez, Springfield, Illiois, as trustee of the 

Catherine J. Gonzalez Declaration of Trust; Paul E. Presney, II, 

Rochester, Illinois; Jane J. Presney, Springfield, Illinois, as 

trustee of the Jane J. Presney Declaration of Trust; Paul E. 

Presney, Sr., Springfield, Illinois, as trustee of the Paul E. 

Presney, Sr. Declaration of Trust, to retain control of 34.79 

percent of the voting shares of Will Bancorp, Inc., Williamsville, 

Illinois, and thereby indirectly acquire Williamsville State Bank 

and Trust, Williamsville, Illinois.

Fed Reg – 12/18/2003 

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Membership East Dubuque Savings Bank, Dubuque, Iowa, to become a 

member in the Federal Reserve System.

Withdrawal from 

Membership

The Farmers Bank of Mt. Pulaski, Mount Pulaski, Illinois, 

notification of withdrawal of membership from 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

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, December 6, 2003

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 Notice by Bale South Central Family Limited Partnership, Horse 

Cave, Kentucky ("Partnership"), to gain control of South Central 

Bancshares of Kentucky, Inc., Horse Cave, Kentucky 

("Bancshares"). Partnership is a proposed "qualified family 

partnership." Its general partner will be the Bale South Central 

Trust, Horse Cave, Kentucky ("Trust"). The trustees of the 

Trust will be Thomas M. Bale, Cave City, Kentucky; Lester D. 

Bale, Horse Cave, Kentucky; William O. Bale, LaFollette, 

Tennessee; Ellen L. Bale, Glasgow, Kentucky; and Ruth H. 

Bale, Bowling Green, Kentucky. Bancshares is a multi-bank 

holding company with a controlling ownership interest in First 

Deposit Bancshares, Inc., Tompkinsville, Kentucky, which owns 

South Central Savings Bank, FSB, Elizabethtown, Kentucky, 

and South Central Bank of Monroe County, Tompkinsville, 

Kentucky. Bancshares also holds a controlling ownership 

interest in United Central Bancshares, Inc., Bowling Green, 

Kentucky, which owns South Central Bank of Bowling Green, 

Inc., Bowling Green, Kentucky. Bancshares also holds a 

controlling ownership interest in First United Bancshares, Inc., 

Glasgow, Kentucky, which owns South Central Bank of Barren 

County, Inc., Glasgow, Kentucky. Bancshares also holds a 

controlling ownership interest in South Central Bank of Daviess 

County, Inc., Owensboro, Kentucky. (Previously submitted 

during the weeks ending October 18 and October 25, 2003.)

Newspaper – 11/06/2003

Fed Reg – 12/26/2003
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

242 First Community Bank Xenia -Flora

Xenia, Illinois

08/18/2003 12/02/2003 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, December 6, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First American Bank & Trust, Madison, South Dakota, proposes 

to establish a branch at 832 St. Joseph Street, Rapid City, South 

Dakota.*

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

CIC Notice by Connie Sue Hoff, Curtis Robert Sheely, and Brian 

Dean Wolff all of Adams, Minnesota to gain control of Adams 

Bancshares, Inc., Adams, Minnesota, and thereby indirectly gain 

control of Farmers State Bank of Adams, Adams, Minnesota.

Fed Reg-12/15/2003 

Newspaper – 12/10/2003

CIC Change in control notice by Kent Evans Nyberg as trustee, 

Grand Rapids, Minnesota to acquire control of First National 

Agency Company of Deer River, Deer River, Minnesota, and 

thereby indirectly acquire control of First National Bank of Deer 

River, Deer River, Minnesota.

Fed Reg-12/10/2003 

Newspaper – N/Avail

3(a)(1) Gateway Bancorporation, Minneapolis, Minnesota, to become a 

bank holding company by acquiring 100 percent of Gateway 

Bank, Mendota Heights, Minnesota, a de novo bank.*

Fed Reg – 12/19/2003 

Newspaper – 12/21/2003

*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

2352507 BANKFIRST, Sioux Falls, South 

Dakota

06/23/2003 12/03/2003 S X

210256 Wadena State Bank, Wadena, 

Minnesota

08/18/2003 12/03/2003 S X

656153 First Valley Bank, Seeley Lake, 

Montana

08/18/2003 12/03/2003 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, December 6, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) United Bank & Trust, Marysville, Kansas (formerly State Bank 

of Axtell, Axtell, Kansas), to purchase certain assets and assume 

certain liabilities of the Clay Center, Kansas; Concordia, 

Kansas; Linn, Kansas; Marysville, Kansas (1016 Broadway and 

823 Broadway); Sabetha, Kansas (511 Paramount, 935 Main 

Street, and 1001 Main Street); Seneca, Kansas (602 North Street 

and 502 Main Street); and Washington, Kansas branches of 

Gold Bank, Leawood, Kansas.

Newspaper - N/Avail

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

Type Application

Ending date of

comment period

3(a)(1) UBT Bancshares, Inc., Marysville, Kansas, to become a bank 

holding company through the acquisition of 100 percent of the 

voting shares of United Bank & Trust, Marysville, Kansas 

(formerly State Bank of Axtell, Axtell, Kansas).

Newspaper - N/Avail Fed 

Reg - N/Avail

3(a)(3) SSB Management LLC, Wilber, Nebraska, to acquire an 

additional 27.78 percent, for a total of 50 percent of the voting 

shares of Wilber Co., Wilber, Nebraska, parent of Saline State 

Bank, Wilber, Nebraska.

Newspaper - 12/19/2003

Fed Reg - 12/15/2003

3(a)(3) Lindoe, Inc., Ordway, Colorado, to acquire 100 percent of the 

voting shares of First National Bank of Lake City & Creede, 

Lake City, Colorado.

Newspaper - N/Avail Fed 

Reg - 01/02/2004

3(a)(3) First Okmulgee Corporation, Okmulgee, Oklahoma, to acquire 

up to 12.65 percent of the voting shares of Coffeyville Bancorp, 

Inc., Coffeyville, Kansas, and thereby indirectly acquire CSB 

Bancorp, Inc., Coffeyville, Kansas, parent of Community State 

Bank, Coffeyville, Kansas.

Newspaper - 12/21/2003

Fed Reg - 12/23/2003

CIC Notice by Robert M. Alexander, Calhan, Colorado, to acquire 

control of Financial Services of the Rockies, parent of First 

National Bank of Colorado Springs, both of Colorado Springs, 

Colorado.

Newspaper - N/Avail 

Fed Reg - 12/26/2003
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC Notice by Jeffrey Reder, Westminster, Colorado; William 

Schmidt, Westminster, Colorado; and Tschudy Schmidt, Fort 

Collins, Colorado, to acquire control of Mountain States 

Bancorporation, Inc., Denver, Colorado, parent of Mountain 

States Bank, Denver, Colorado.

Newspaper - N/Avail 

Fed Reg - 12/22/2003

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.
Section V – Availability of CRA public evaluations

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

898458 Bank of Jackson Hole

990 W. Broadway

Jackson, Wyoming 83002

09/08/2003 12/04/2003 S X

177957 Peoples Bank

4831 W. 6th

Lawrence, Kansas 66049

09/08/2003 12/05/2003 S X

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, December 6, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Southwest Bancorporation of Texas, Inc., Houston, TX, and

Southwest Holding Delaware, Inc., Wilmington, DE, to acquire

Reunion Bancshares, Inc., Dallas, TX Reunion BancsharesDelaware, Inc., Dover, DE, and Lone Star Bank, Dallas, TX* 

Fed Reg – 01/02/2004

Newspaper – 12/26/2003

* 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

3(a)(1) Fort Worth Bancshares, Inc., Fort Worth, TX, and Fort Worth 

Bancorporation, Inc., Wilmington, DE, to acquire Fort Worth 

National Bank, Fort Worth, TX* 

3(a)(1) Fort Worth Bancorporation, Inc., Wilmington, DE, to acquire 

Fort Worth National Bank, Fort Worth, TX*

Member Texas Star Bank, Van Alstyne, TX, to become a member ofthe 

Federal Reserve System

* Subject to the provisions of the Community Reinvestment Act
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, December 6, 2003

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) First Commerce Bancorp, Encino, California, to become a bank 

holding company by acquiring 100 percent of First Commerce 

Bank, Encino, California.*

Newspaper – N/Avail 

Fed Reg – 01/05/2004

* 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

Member Mission Community Bank, San Luis Obispo, California, 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

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