Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 39 

Week Ending September 28, 2002 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions September 22, 2002 to September 28, 2002 

Testimony And Statements 

Check Clearing for the 21st Century Act -- statement by Vice Chairman Ferguson before 

the House Subcommittee on Financial Institutions and Consumer Credit of the Committee 

on Financial Services. 

- Published, September 25, 2002 

Bank Holding Companies 

Herky Hawk Financial Corp., Monticello, Iowa -- to acquire New Vienna Savings Bank, 

New Vienna, Iowa; Casey State Bank, Casey, Illinois; and to merge with Biggsville 

Financial Corporation, Biggsville, and thereby acquire First State Bank of Biggsville. 

- Approved, September 24, 2002 

Regulations And Policies 

Availability of Credit to Small Businesses -- report to Congress. 

- Approved, September 24, 2002 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority September 22, 2002 to September 28, 2002 

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

IF International Finance
 

OSDM Office of Staff Director for Management
 

C&CA Consumer and Community Affairs 

FOMC Federal Open Market Committee 

Bank Branches, Domestic 

Richmond 

Bank of McKenney, McKenney, Virginia -- to establish a branch at 3115 Boulevard, 

Colonial Heights. 

- Approved, September 25, 2002 

Atlanta 

First Commercial Bank of Florida, Orlando, Florida -- to establish a branch at 1250 Lee 

Road, Winter Park. 

- Approved, September 23, 2002 

San Francisco 

Nevada First Bank, Las Vegas, Nevada -- to establish a branch at 9930 South Eastern 

Avenue, Henderson. 

- Approved, September 23, 2002 

Richmond 

New Peoples Bank, Inc., Honaker, Virginia -- to establish a branch at 157 Tazewell Mall 

Circle, Tazewell. 

- Approved, September 23, 2002 

Atlanta 

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 10205 West 

Hillsborough Avenue, Tampa, Florida. 

- Approved, September 23, 2002 

Bank Holding Companies 

St. Louis 

Allegiant Bancorp, Inc., St. Louis, Missouri -- to engage in investment advisory activities 

through the acquisition of Investment Counselors Incorporated. 

- Approved, September 24, 2002 

(AC) = Addition or Correction Delegated - Page 1 of 7 
H.2 Actions under delegated authority September 22, 2002 to September 28, 2002 

Bank Holding Companies 

Richmond 

Capital Bank Corporation, Raleigh, North Carolina -- to acquire High Street 

Corporation, Asheville, and thereby indirectly acquire High Street Banking Company. 

- Approved, September 27, 2002 

Atlanta 

CFB Bancshares, Inc., Wartburg, Tennessee -- to become a bank holding company 

through the acquisition of Citizens First Bank. 

- Approved, September 27, 2002 

General Counsel 

Commercial Federal Corporation, Omaha, Nebraska -- request for an exemption under 

the Depository Institutions Management Interlocks Act and Regulation L. 

- Granted, September 26, 2002 

St. Louis 

Linn Holding Company, Linn, Missouri -- to acquire South Gasconade Investment 

Corporation, Owensville, and thereby indirectly acquire Charter 1 Bank. 

- Approved, September 27, 2002 

Minneapolis 

Marquette Financial Companies, Minneapolis, Minnesota -- to become a bank holding 

company through the acquisition of CBA Bancshares, Inc., Minneapolis, and its 

subsidiary, Community Bank of Arizona, N.A., Wickenburg, Arizona; and election by 

Marquette Financial Companies to become a financial holding company. 

- Approved, September 26, 2002 

Kansas City 

N.B.C. Bancshares in Pawhuska, Inc., Pawhuska, Oklahoma -- relief from a certain 

commitment. 

- Granted, September 26, 2002 

Atlanta 

Wheeler Bancshares, Inc., Alamo, Georgia -- to become a bank holding company 

through the acquisition of Wheeler County State Bank. 

- Approved, September 27, 2002 

(AC) = Addition or Correction Delegated - Page 2 of 7 
H.2 Actions under delegated authority September 22, 2002 to September 28, 2002 

Bank Mergers 

Chicago 

Central Bank, Storm Lake, Iowa -- to acquire by merger Central Bank, Spirit Lake, and 

establish a branch at 1400 18th Street. 

- Approved, September 27, 2002 

Kansas City 

First Bank of Medicine Lodge, Medicine Lodge, Kansas -- to purchase certain assets 

and assume certain liabilities of the Ottawa branch of Intrust Bank, National Association, 

Wichita. 

- Approved, September 27, 2002 

New York 

HSBC Holdings plc, London, England -- to merge the Seattle, Washington, and Portland, 

Oregon, branches of HSBC Bank Canada, Vancouver, Canada, with HSBC Bank USA, 

Buffalo, New York. 

- Approved, September 23, 2002 

Change In Bank Control 

Dallas 

First La Grange Bancshares, Inc., La Grange, Texas -- change in bank control. 

- Permitted, September 25, 2002 

Chicago 

Herky Hawk Financial Corp., Monticello, Iowa -- change in bank control. 

- Permitted, September 27, 2002 

San Francisco 

Puget Sound Financial Services, Inc., Fife, Washington -- change in bank control. 

- Permitted, September 23, 2002 

Richmond 

Union Bankshares, Inc., Union, West Virginia -- change in bank control. 

- Permitted, September 26, 2002 

(AC) = Addition or Correction Delegated - Page 3 of 7 
H.2 Actions under delegated authority September 22, 2002 to September 28, 2002 

Competitive Factors Reports 

Kansas City 

Armstrong Bank, Muskogee, Oklahoma -- report on competitive factors of the proposed 

purchase of certain assets and assumption of certain liabilities of the Keyes branch of First 

State Bank, Tahlequah. 

- Submitted, September 26, 2002 

Minneapolis 

Bank of Mondovi, Mondovi, Wisconsin -- report on competitive factors of the proposed 

merger with Bank of Buffalo, Cochrane. 

- Submitted, September 27, 2002 

San Francisco 

Bank of Sacramento, Sacramento, California -- report on competitive factors of the 

proposed merger with Greater Sacramento Bancorp Merger Subsidiary, Inc. 

- Submitted, September 26, 2002 

Chicago 

Dallas 

Boston 

Bank One, National Association, Chicago, Illinois -- report on competitive factors of the 

proposed merger with Texas Asset Acquisition Corp., Dallas, Texas. 

- Submitted, September 27, 2002 

Capital Bank of Texas, Carrizo Springs, Texas, a de novo bank -- report on competitive 

factors of the proposed acquisition of the Carrizo Springs, Crystal City, and Pearsall 

branches of Sterling Bank, Houston. 

- Submitted, September 23, 2002 

Eastern Bank, Boston, Massachusetts -- report on competitive factors of the proposed 

merger with Eastern Bank and Trust Company, Salem. 

- Submitted, September 24, 2002 

Chicago 

Farmers & Merchants Bank & Trust, Burlington, Iowa -- report on competitive factors of 

the proposed merger with West Burlington Bank, West Burlington. 

- Submitted, September 27, 2002 

(AC) = Addition or Correction Delegated - Page 4 of 7 
H.2 Actions under delegated authority September 22, 2002 to September 28, 2002 

Competitive Factors Reports 

Richmond 

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

with Carolina Community Bank, N.A., Latta, South Carolina. 

- Submitted, September 24, 2002 

Kansas City 

Guaranty State Bank and Trust Company, Beloit, Kansas -- report on competitive 

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

the Burr Oak and Ebson branches of Mid-America Bank, Baldwin City. 

- Submitted, September 26, 2002 

Chicago 

Harris Trust Bank of Arizona, Scottsdale, Arizona -- report on competitive factors of the 

proposed merger with Harris Trust Company, Seattle, Washington; Harris Trust 

Company of California, Los Angeles, California; and Harris Trust/Bank of Montreal, 

West Palm Beach, Florida. 

- Submitted, September 27, 2002 

Chicago 

Harris Trust Company of California, Los Angeles, California -- report on competitive 

factors of the proposed merger with Harris Bank California, N.A., San Francisco, an 

interim bank; and the proposed merger of Harris Trust Company, Seattle, Washington, 

with Harris Bank Washington, N.A., Seattle, an interim bank. 

- Submitted, September 27, 2002 

Atlanta 

Home Town Bank of Villa Rica, Villa Rica, Georgia -- report on competitive factors of 

the proposed merger with GB&T Interim Bank, Gainesville. 

- Submitted, September 25, 2002 

New York 

HSBC Holdings plc, London, England -- report on competitive factors of the proposed 

merger of HSBC Washington Savings Bank, Seattle, Washington, and HSBC Oregon 

Shell Bank, Portland, Oregon, both interim banks, with the Seattle and Portland branches 

of HSBC Bank Canada, Vancouver, Canada, and the subsequent merger with HSBC 

Bank USA, Buffalo, New York. 

- Submitted, September 25, 2002 

(AC) = Addition or Correction Delegated - Page 5 of 7 
H.2 Actions under delegated authority September 22, 2002 to September 28, 2002 

Competitive Factors Reports 

Kansas City 

Local Oklahoma Bank, National Association, Oklahoma City, Oklahoma -- report on 

competitive factors of the proposed merger with U.S. National Bank, Midwest City. 

- Submitted, September 26, 2002 

Atlanta 

Main Street Bank, Covington, Georgia -- report on competitive factors of the proposed 

merger with First National Bank of Johns Creek, Suwanee. 

- Submitted, September 25, 2002 

San Francisco 

Pacific Northwest Bancorp, Seattle, Washington -- report on competitive factors of the 

proposed merger with Bank of the Northwest, Portland, Oregon. 

- Submitted, September 23, 2002 

Richmond 

Pendleton County Bank, Franklin, West Virginia -- report on competitive factors of the 

proposed merger with Pendleton Interim Bank. 

- Submitted, September 24, 2002 

San Francisco 

Umpqua Bank, Roseburg, Oregon -- report on competitive factors of the proposed 

merger with Centennial Bank, Portland. 

- Submitted, September 23, 2002 

Financial Holding Companies 

Chicago 

Community Shores Bank Corporation, Muskegon, Michigan -- election to become a 

financial holding company. 

- Effective, September 27, 2002 

St. Louis 

State Bank & Trust Company Employee Stock Ownership Plan, Greenwood, 

Mississippi -- election to become a financial holding company. 

- Effective, September 23, 2002 

(AC) = Addition or Correction Delegated - Page 6 of 7 
H.2 Actions under delegated authority September 22, 2002 to September 28, 2002 

Regulations And Policies 

Secretary 

Regulation Z (Truth in Lending) -- annual adjustment to the dollar amount that triggers 

additional disclosure requirements for mortgage loans with fees above a certain amount. 

- Published, September 27, 2002 

(AC) = Addition or Correction Delegated - Page 7 of 7 
District 1
 

Federal Reserve Bank of Boston
 

Applications and notifications filed during the week ending Saturday, September 28, 2002 

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, September 28, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Agency DEPFA BANK plc, Dublin, Ireland, to establish an agency in Newspaper: N/A 

New York, New York. 

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 3
 

Federal Reserve Bank of Philadelphia
 

Applications and notifications filed during the week ending Saturday, September 28, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding
 

S = Satisfactory
 

NI = Needs to improve
 

SN = Substantial noncompliance
 

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 4
 

Federal Reserve Bank of Cleveland
 

Applications and notifications filed during the week ending Saturday, September 28, 2002 

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. 

The federal bank regulators use the following four performance levels to rate an institution's performance under 

CRA: 

O = Outstanding
 

S = Satisfactory
 

NI = Needs to improve
 

SN = Substantial noncompliance
 

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 5
 

Federal Reserve Bank of Richmond
 

Applications and notifications filed during the week ending Saturday, September 28, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Allfirst Bank, Baltimore, Maryland, to establish a branch at 

Routes 23 and Heritage Drive, Morgantown, Pennsylvania.* 

Newspaper - 10/07/2002 

18(c)	 Shore Bank, Onley, Virginia, to acquire the Salisbury, 

Maryland, branch office of Susquehanna Bank, Baltimore, 

Maryland.* 

Newspaper - 10/19/2002 

*Subject to the provisions of the Community Reinvestment Act. 

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

Ending date of 

Type Application comment period 

3(a)(1)	 BNC Bancorp, Thomasville, North Carolina, to become a bank Fed Reg - N/Avail 

holding company through the acquisition of 100% of the voting Newspaper - N/Avail 

shares of Bank of North Carolina, Thomasville, North 

Carolina.* 

*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 

746429 Bank of McKenney 

20718 1st Street 

McKenney, Virginia 23872 

07/15/2002 09/22/2002 O X
 

3019982	 Freedom Bank of Virginia 

502 Maple Avenue, West 

Vienna, Virginia 22180 

07/08/2002 09/22/2002 S X
 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, September 28, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

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

located at 3614 Tennessee Avenue, Chattanooga, Tennessee, to 

be known as the South Broad Branch.* 

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

located at 1619 County Road 220, Orange Park, Florida, to be 

known as the Fleming Island Branch.* 

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

located at 522 State Road 13, Jacksonville, Florida, to known as 

the Julington Creek Branch.* 

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

located at 2000 N. John Young Parkway, Kissimmee, Florida, to 

be known as the West 192 Branch.* 

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

located at 19203 Dale Mabry Highway, Lutz, Florida, to be 

known as the Lutz Crossing Branch.* 

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

located at 1031 Winchester Road, N.E., Huntsville , Alabama, to 

be known as the Moore's Mill Road Branch.* 

Branch Newnan Coweta Bank, Newnan, Georgia, to establish a branch 

located at 38 LaGrange Street and 41 Greenville Street, Newnan, 

Georgia.* 

Newspaper - 10/08/2002 

Newspaper - 10/08/2002 

Newspaper - 10/08/2002 

Newspaper - 10/08/2002 

Newspaper - 10/08/2002 

Newspaper - 10/08/2002 

Newspaper - 10/04/2002 

*Subject to provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period

3(a)(1) Commerce Bancshares, Inc., White Castle, Louisiana, to become Newspaper-09/28/2002 

a bank holding company by acquiring The Bank of Commerce, Fed Reg – 10/04/2002

White Castle, Louisiana. 
Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

CIC People's Community BancShares, Inc., Sarasota, Florida, prior 

change in control notice by Neil D. McCurry, Jr., Laine 

McCurry, J. Steadman McCurry, and Neil D. McCurry, Sr., to 

acquire an additional 1.72 percent of the outstanding shares of 

People's Community BancShares, Inc., Sarasota, Florida. Total 

ownership will equal 10.81 percent. 

3(a)(3) GB&T Bancshares, Inc., Gainesville, Georgia, proposes to 

acquire Home Town Bank of Villa Rica, Villa Rica, Georgia.* 

3(a)(1) Hazlehurst Investors, Inc., Hazlehurst, Georgia, to become a 

bank holding company by acquiring Bank of Hazlehurst, 

Hazlehurst, Georgia.* 

CIC JBC Bancshares, Inc., Jasper, Georgia, prior notice by Jasper 

Banking Company ESOP, Jasper, Georgia, and Mr. James H. 

Bryan, Trustee, to acquire 1.0 percent of the outstanding shares 

of JBC Bancshares, Inc., Jasper, Georgia. Total pro forma 

ownership will be 10.65 percent for the ESOP and 10.91 percent 

for Mr. Bryan. 

CIC One American Corp., Vacherie, Louisiana, prior change in 

control notice by Joseph Bienvue Falgoust, Charles J. Falgoust, 

Dean T. Falgoust, Marian A. Falgoust, Michael A. Falgoust, 

Ronald J. Falgoust, Rose Mary Falgoust, Susan B. Falgoust, 

Falgoust Family Holdings, LLC, Blake J. Falgoust, Ronald A. 

Ordoyne, Joan Ordoyne, as custodian for Luke Falgoust, Joan 

Ordoyne, as custodian for Laura Falgoust, Francois P. Falgoust, 

Ulger Landry, Denny Guillot to collectively increase their 

ownership by up to 1.5 percent of the outstanding shares of One 

American Corp., and its subsidiary First American Bank and 

Trust, both of Vacherie, Louisiana. Total ownership will equal 

12.58 percent. 

3(a)(5) Synovus Financial Corp., Columbus, Georgia, to merge with 

United Holdings, Inc., St. Petersburg, Florida, and thereby 

acquire its subsidiaries, United Bank and Trust Company, St. 

Petersburg, Florida, and United Bank of the Gulf Coast, 

Sarasota, Florida. 

Newspaper-N/Avail 

Fed Reg – 10/15/2002 

Newspaper-09/12/2002 

Fed Reg – 09/09/2002 

Newspaper-10/25/2002 

Fed Reg – N/Avail 

Newspaper-N/Avail 

Fed Reg – N/Avail 

Newspaper-N/Avail 

Fed Reg – 10/16/2002 

Newspaper-10/30/2002 

Fed Reg – N/Avail 

*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 

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 7
 

Federal Reserve Bank of Chicago
 

Applications and notifications filed during the week ending Saturday, September 28, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch	 Harris Trust and Savings Bank, Chicago, Illinois, to establish a 

branch facility to be located at 558 West Diversey Parkway, 

Chicago, Illnois.* 

Branch	 Harris Trust and Savings Bank, Chicago, Illnois, to establish a 

branch facility to be located at 4801 West North Avenue, 

Chicago, Illinois.* 

Branch	 Unionbank, Streator, Illinois, to establish a branch facility to be 

located at 208 East Veteran's Parkway, Yorkville, Illinois.* 

Newspaper – 10/03/2002 

Newspaper – 10/03/2002 

Newspaper – 10/05/2002 

* 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 

CIC	 Notice by Helen M. Eldred Voting Trust, John M. Eldred Voting 

Trust, Eldred Family Limited Partnership I and Eldred Family 

Limited Partnership II, to gain control of Centre 1 Bancorp, Inc., 

Beloit, Wisconsin, and thereby indirectly acquire First National 

Bank and Trust Company of Beloit, Beloit, Wisconsin. 

3(a)(3)	 Fidelity Company, Dyersville, Iowa, for prior approval to 

acquire 100 percent of the voting shares of Worthington 

Bancorporation, Worthington, Iowa, and thereby indirectly 

acquire State Bank, Worthington, Iowa.* 

CIC	 Notice by Ross David Levin, Evanston, Illinois, Louis Jonathon 

Kolom, Lincolnwood, Illinois, Shabsa Abraham Lis, Skokie, 

Illinois, Aaron L. Kolom, Los Angeles, California, Sherwin 

Greenberg, Chicago, Illinois, and Arthur Myer Goldrich, Skokie, 

Illinois, to retain control of First Equity Corp., Skokie, Illinois 

and to thereby retain indirect control of 1st Equity Bank, Skokie, 

Illinois. 

Fed Reg – N/Avail 

Newspaper – N/Avail 

Fed Reg – 10/11/2002 

Newspaper – 10/15/2002 

Fed Reg – 09/17/2002 

Newspaper – 10/02/2002 
Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

CIC	 Notice by Lawrence Gohkle, Richard Gohlke, Geffrey Sawtelle 

and Terrence LaFleur, all of Neshkoro, Wisconsin, to gain 

control of Golden Sands Bankshares, Inc., Neshkoro, Wisconsin, 

and thereby indirectly acquire Farmers Exchange Bank of 

Neshkoro, Neshkoro, Wisconsin. 

CIC	 Notice on behalf of Peter C. Cook, first trustee of the Peter C. 

Cook Trust, Grand Rapids, Michigan, to acquire 166,667 shares 

(12.52%) of Northpointe Bancshares, Inc., Grand Rapids, 

Michigan, and thereby indirectly acquire Northpointe Bank, 

Grand Rapids, Michigan. 

CIC	 Notice by Mark B. Richardson and Kimberly A. Richardson, to 

purchase 46 percent of Oakwood Bancorp, Inc., Springfield, 

Illinois, and thereby indirectly acquire United Community Bank, 

Oakwood, Illinois. 

3(a)(1)	 SCB Bancorp, Inc., East Lansing, Michigan, to become a bank 

holding company by acquiring 100 percent of Summit 

Community Bank (in organization), East Lansing, Michigan.* 

CIC	 Notice by Mark B. Richardson and Kimberly A. Richardson, to 

become co-trustees of a Grantor Trust established by their 

father, Coyn Richardson, and thus to acquire control of 

Wellington Bancorp, Inc., Springfield, Illinois, and thereby 

indirectly acquire Community Bank, Hoopeston, Illinois. 

CIC	 Notication filed pursuant to the Change in Bank Control Act of 

1978 by Ramon J. Green, Jacksonville, Illinois, as general 

partner of Green Enterprises, L.P. Jacksonville, Illinois, as 

trustee of the Ramon J. Green Trust, Jacksonville, Illinois, and 

co-trustee of the Beverly J. Green Trust, Jacksonville, Illinois, 

and Beverly J. Green, Jacksonville, Illinois, as co-trustee of the 

Beverly J. Green Trust, to retain control and increase their 

ownership in West Plains Investors, Inc., Pleasant Plains, 

Illinois, and thereby to indirectly retain control and increase 

their ownership in Pleasant Plains State Bank, Pleasant Plains, 

Illinois. 

Fed Reg – 10/17/2002 

Newspaper – N/Avail 

Fed Reg – 10/07/2002 

Newspaper – 10/03/2002 

Fed Reg – N/Avail 

Nespaper – 10/04/2002 

Fed Reg – 10/04/2002 

Newspaper – N/Avail 

Fed Reg – 10/03/2002 

Newspaper – 09/20/2002 

Fed Reg – 09/23/2002 

Newspaper – 09/26/2002 

* 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 

4(c)(8) Privatebancorp, Inc., Chicago, Illinois, to acquire Lodestar Fed Reg – 10/17/2002
 

Investment Counsel, LLC, Chicago, Illinois, and thereby engage 
 

in financial and investment advisory activities.
 
Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

None 

Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding
 

S = Satisfactory
 

NI = Needs to improve
 

SN = Substantial noncompliance
 

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 8
 

Federal Reserve Bank of St. Louis
 

Applications and notifications filed during the week ending Saturday, September 28, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18C Branch Farmers Bank & Trust Company, Blytheville, Arkansas, to Newspaper – 10/20/2002 

merge with First State Bank, Kenton, Tennessee, and to retain 

the acquired facility as a branch office.* 

* 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 

3A3 Farmers Bancorp, Inc., Blytheville, Arkansas, to acquire 100 

percent of the voting shares of First State Bank, Kenton, 

Tennessee.* 

Newspaper – 10/20/2002 

Fed Reg – 10/25/2002 

3A3	 Mercantile Bancorp, Inc., Quincy, Illinois, to increase its 

ownership from 19.86 percent up to 29 percent of New Frontier 

Bancshares, Inc., St. Charles, Missouri, and thereby indirectly 

increase its ownership of New Frontier Bank, St. Charles, 

Missouri.* 

Newspaper – 10/26/2002 

Fed Reg – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4C8	 First Banks, Inc., St. Louis, Missouri, proposes to indirectly Fed Reg – 10/17/2002 

engage in investment advisor activities. These activities will be 

indirectly engaged in by virtue of First Banks, Inc.'s 7.5 percent 

ownership interest in Allegiant Bancorp, Inc., St. Louis, 

Missouri, which has filed a notification to acquire 100 percent of 

the voting shares of Investment Counselors Incorporated, St. 

Louis, Missouri. 
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 

825940	 Bank of Buffalo 

Buffalo, Kentucky 

6/3/2002 9/23/2002 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, September 28, 2002 

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)	 Community Financial Corporation, Owatonna, Minnesota, to 

become a bank holding company by acquiring 100 percent of the 

voting shares of Community Bank Owatonna, Owatonna, 

Minnesota, a de novo bank.* 

CIC	 The Albert N. Roberts and Emma L. Roberts Revocable Trust, 

Albert N. Roberts and Emma L. Roberts, Co-trustees, Polson, 

Montana, to acquire control of Flathead Lake Bancorporation, 

Inc., Polson, Montana which controls, First Citizens Bank of 

Polson, Polson, Montana. 

CIC	 Marie Gillespie, LaGrange Park, Illinois, as trustee of the Lake 

Bank Shares, Inc. Employee Stock Ownership Plan, Emmons, 

Minnesota, to gain control of Lake Bank Shares, Inc., Emmons, 

Minnesota, and thereby indirectly gain control of Security Bank 

of Minnesota, Albert Lea, Minnesota, and First State Bank of 

Emmons, Emmons, Minnesota. 

CIC	 Robert B. Whitlock, Minneapolis, Minnesota, to retain control 

of Lake Bank Shares, Inc. Employee Stock Ownership Plan, 

Emmons, Minnesota and thereby indirectly retain control of 

Lake Bank Shares, Inc., Emmons, Minnesota, which owns 

Security Bank Minnesota, Albert Lea, Minnesota, and First State 

Bank of Emmons, Emmons, Minnesota. 

CIC	 Jonathon H. Berg, M.D., Northwood, North Dakota, as trustee of 

the Herbert A. Lund Revocable Trust, to gain control of Lake 

Bank Shares, Inc., Emmons, Minnesota and thereby indirectly to 

gain control of Security Bank of Minnesota, Albert Lea, 

Minnesota, and First State Bank of Emmons, Emmons, 

Minnesota. 

Fed Reg- 10/25/2002 

Newspaper- N/Avail 

Fed Reg- 10/11/2002 

Newspaper- N/Avail 

Fed Reg- N/Avail 

Newspaper- N/Avail 

Fed Reg- N/Avail 

Newspaper- N/Avail 

Fed Reg- N/Avail 

Newspaper- N/Avail 

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

Ending date of 

Type Application comment period 

None 

Section IV – Applications not subject to Federal Register or ne wspaper notice 

Type Application 

4(c)(8)	 Lakeside Bank Holding Company, New Town, North Dakota 

proposes to purchase 25% interest in Accudata Services, Inc., 

Park River, North Dakota, and thereby provide data processing 

services for five North Dakota banks 

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 

786555 Peoples State Bank of Plainview 06/10/2002 09/24/2002 S X 

Plainview, Minnesota 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, September 28, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Pinnacle Bank, Papillion, Nebraska, to establish a branch at Newspaper - 10/01/2002 

1016 Douglas on the Mall, Omaha, Nebraska. 

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

Ending date of 

Type Application comment period 

3(a)(3) Davis Bancorporation, Inc., Davis, Oklahoma, to acquire an 

additional 5 percent, for a total of 22.05 percent of the voting 

shares of Century Capital Financial, Inc., Kilgore, Texas, parent 

of Century Capital Financial-Delaware, Inc., Wilmington, 

Delaware, which is the parent of City National Bank, Kilgore, 

Texas. 

4(c)(8) Davis Bancorporation, Inc., Davis, Oklahoma, to acquire an 

additional 5 percent, for a total of 17.78 percent of the voting 

shares of FBC Financial Corporation, Claremore, Oklahoma, 

parent of 1st Bank Oklahoma, Claremore, Oklahoma and thereby 

engage in the operation of a savings association. 

CIC Male Family Investments II, L.P., Augusta, Kansas, to acquire 

control of Prairie Capital, Inc., Augusta, Kansas, parent of 

Prairie State Bank, Augusta, Kansas. 

CIC Rinda Kay Harper, individually and as trustee of The Kay 

Harper Revocable Living Trust, Edmond, Oklahoma, to acquire 

control of First Jones Bancorporation, Inc., Jones, Oklahoma, 

parent of First State Bank, Jones, Oklahoma. 

Newspaper - N/Available 

Fed Reg - 10/25/2002 

Newspaper - N/Available 

Fed Reg - 10/25/2002 

Newspaper - N/Available 

Fed Reg - N/Available 

Newspaper - 10/11/2002 

Fed Reg - 10/03/2002 
Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4(c)(8) Craco, Inc., Vinita, Oklahoma, to retain 100 percent of the Fed Reg - 10/15/2002 

voting shares of First Acquisition Corporation, Vinita, 

Oklahoma and thereby engage indirectly in leasing and lease 

financing on personal property. 

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 

85052 Uinta County State Bank 

128 N. Birch Street 

Mountain View, Wyoming 82939 

07/16/2002 09/27/2002 SN X

1972298 Bank of Belen 

P.O. Box 105 

Belen, New Mexico 87002 

03/31/2002 09/27/2002 O 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, September 28, 2002 

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)	 Central Texas Financial Corp., Cameron, TX, to acquire Milam Fed Reg – 10/17/2002 

Financial Corp., Wilmington, DE, and Citizens Nationa l Bank, Newspaper – 10/21/2002 

Cameron, TX* (previously reported the week ending September 

21, 2002) 

3(a)(1)	 Milam Financial Corp., Wilmington, DE, to acquire Citizens Fed Reg – 10/17/2002 

National Bank, Cameron, TX* (previously reported the week Newspaper – 10/21/2002 

ending September 21, 2002) 

3(a)(3)	 Woodforest Financial Group, Inc., The Woodlands, TX, and Sun Fed Reg – 10/21/2002 

Belt Bancshares Corporation, Wilmington, DE, to acquire Main Newspaper – 10/11/2002 

Street National Bank, Cleveland, TX* (previously reported the 

week ending September 21, 2002) 

3(a)(1)	 IB Bancshares, Inc., McKinney, TX, to acquire VB Bancshares, Fed Reg – 10/24/2002 

Inc., Wilmington, DE, and Independent Bank, McKinney, TX* Newspaper – 10/21/2002 

3(a)(1)	 VB Bancshares, Inc., Wilmington, DE, to acquire Independent Fed Reg – 10/24/2002 

Bank, McKinney, TX* Newspaper – 10/21/2002 

CIC	 Arthur Temple, III, Lufkin, TX, (as trustee of the Arthur Fed Reg – 10/15/2002 

Temple, III, Generation Skipping Trust and certain other trusts) Newspaper – N/Avail 

to acquire an interest in Diboll State Bancshares, Inc., Diboll, 

TX 

*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)(1) Quitaque National Corporation, Quitaque, TX, to acquire 

Quitaque National Corporation of Delaware, Inc., Wilmington, 

DE, and The First National Bank, Quitaque, TX* 

3(a)(1)	 Quitaque National Corporation of Delaware, Inc., Wilmington, 

DE, to acquire The First National Bank, Quitaque, TX* 

*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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 12
 

Federal Reserve Bank of San Francisco
 

Applications and notifications filed during the week ending Saturday, September 28, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch The Hongkong Chinese Bank, Ltd., Hong Kong, to acquire the Newspaper – 10/26/2002 

New York federal insured branch and the Los Angeles federal 

limited branch offices of CITIC Ka Wah Bank, Limited, Hong 

Kong. 

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

Ending date of 

Type Application comment period 

3(a)(1)	 Sumitomo Mitsui Financial Group, Inc., Tokyo, Japan, to become Newspaper –9/16/2002 

a bank holding company by acquiring 100 percent of Fed Reg – 9/23/2002 

Manufacturers Bank, Los Angeles, California.* 

* 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 

808167 North Valley Bank 

880 East Cypress Avenue 

Redding, CA 96099 

(530) 226-2900 

1425020 Six Rivers Bank 

402 “F” Street 

Eurkea, CA 95501 

(707) 443-8400 

5/13/2002 9/24/2002 S X 

5/20/2002 9/24/2002 S 

The above listing has been prepared as a courtesy by the Federal Reserve Bank of San Francisco, and is not intended 

to replace formal notices required by statute or regulation; the Reserve Bank assumes no responsibility for errors or 

omissions. 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 

X