Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 41

Week Ending October 9, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions October 3, 2004 to October 9, 2004

Regulations And Policies

Bank Broker Activities -- interagency letter to the Securities and Exchange Commission 

commenting on its proposed rules to implement the exceptions for bank "broker" activities 

in the Gramm-Leach-Bliley Act.

- Approved, October 7, 2004 

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

reserve requirement exemption amount, deposit reporting cutoff level, and reduced 

reporting limit for 2005.

- Approved, October 4, 2004 

Enforcement

Standard Chartered plc, London, United Kingdom; Standard Chartered Bank; and its 

New York, New York branch -- written agreement with the Federal Reserve Bank of 

New York and the New York State Banking Department.

- Announced, October 8, 2004 

(AC) = Addition or Correction Board - Page 1 of 1
October 3, 2004 to October 9, 2004

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Ames Community Bank, Ames, Iowa -- to establish a branch at 4510 Mortensen Avenue.

- Approved, October 8, 2004 

Chicago

The Bank of Williamsburg, Williamsburg, Virginia -- to establish a branch at 171 

Monticello Avenue.

- Approved, October 7, 2004 

Richmond

Bruceton Bank, Bruceton Mills, West Virginia -- to establish a branch at 1889 Earl Core 

Road, Morgantown.

- Approved, October 5, 2004 

Richmond

Comerica Bank, Detroit, Michigan -- to establish branches at 1031 East Hillsdale 

Boulevard, Foster City, California; 9255 Towne Centre Drive, San Diego; and 2131 

Westcliff Drive, Newport Beach.

- Approved, October 5, 2004 

Secretary

Compass Bank, Birmingham, Alabama -- to establish a branch at 7530 Montgomery 

Boulevard Northeast, Albuquerque, New Mexico.

- Approved, October 7, 2004 

Atlanta

East-West Bank, San Marino, California -- to establish a branch at 1015 Nogales Street, 

Rowland Heights.

- Approved, October 6, 2004 

San Francisco

Farmers and Merchants Bank of Central California, Lodi, California -- to establish a 

branch at 1303 J Street, Sacramento.

- Approved, October 7, 2004 

San Francisco

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority October 3, 2004 to October 9, 2004

Bank Branches, Domestic

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 8000 Maryland 

Avenue, St. Louis, Missouri.

- Approved, October 8, 2004 

Cleveland

First Commercial Bank, Chicago, Illinois -- to establish a branch at 7050 North Western 

Avenue.

- Approved, October 8, 2004 

Chicago

Frederick County Bank, Frederick, Maryland -- to establish a branch at 6910 

Crestwood Boulevard.

- Approved, October 6, 2004 

Richmond

Newnan Coweta Bank, Newnan, Georgia -- to establish a branch at 107 Lexington 

Circle, Peachtree City.

- Approved, October 8, 2004 

Atlanta

Pioneer Bank, Stanley, Virginia -- to establish a branch at 257 Ridge McIntire Road, 

Charlottesville.

- Approved, October 7, 2004 

Richmond

Regions Bank, Birmingham, Alabama -- to establish a branch at Highway 161 and Las 

Colinas Boulevard, Irving, Texas.

- Approved, October 4, 2004 

Atlanta

Southern Community Bank and Trust, Winston-Salem, North Carolina -- to establish 

branches at 1505 Highwoods Boulevard, Greensboro, and 116 Morrison Plantation 

Parkway, Mooresville.

- Approved, October 6, 2004 

Richmond

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority October 3, 2004 to October 9, 2004

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 700 Baltimore Boulevard, 

Westminster, Maryland.

- Approved, October 6, 2004 

Atlanta

Valley Bank of Ronan, Ronan, Montana -- to establish a branch at a food store at 34 

Seventh Street, Pablo.

- Approved, October 8, 2004 

Minneapolis

Bank Holding Companies

Arrow Financial Corporation, Glens Falls, New York -- to acquire Capital Financial 

Group, Inc., South Glens Falls, and thereby engage in insurance agency activities in a 

town with a population not exceeding 5,000.

- Withdrawn, October 7, 2004 

New York

BancTenn Corporation, Kingsport, Tennessee -- to acquire up to 20 percent of Paragon 

Commercial Corporation, Raleigh, North Carolina, and Paragon Commercial Bank.

- Approved, October 6, 2004 

Atlanta

Emclaire Financial Corporation, Emlenton, Pennsylvania -- transfer agent registration.

- Withdrawn, October 7, 2004 

Director, BS&R

National Bancshares, Inc., Bettendorf, Iowa -- to acquire The National Bank, Edina, 

Minnesota, a de novo bank.

- Approved, October 7, 2004 

Chicago

Sterling Bancshares, Inc., Poplar Bluff, Missouri -- to become a bank holding company 

and to acquire Sterling Bank, a de novo bank.

- Approved, October 4, 2004 

St. Louis

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority October 3, 2004 to October 9, 2004

Bank Premises

1st Bank & Trust, Broken Bow, Oklahoma -- to increase its investment in bank premises.

- Approved, October 5, 2004 

Kansas City

Banks, Nonmember, And Miscellaneous Institutions

First Bankers Trust Services, Inc., Quincy, Illinois -- transfer agent registration.

- Approved, October 7, 2004 

Director, BS&R

Change In Bank Control

Commerce National Financial Services, Inc., Lubbock, Texas -- change in bank control.

- Permitted, October 6, 2004 

Dallas

Peoples Bank of Virginia, Richmond, Virginia -- change in bank control notices.

- Permitted, October 6, 2004 

Richmond

Competitive Factors Reports

Alliance Bank, National Association, Syracuse, New York -- report on competitive 

factors of the proposed merger with HSBC New York Trust Company, New York, a de 

novo institution.

- Submitted, October 6, 2004 

New York

Cattaraugus County Bank, Little Valley, New York -- report on competitive factors of 

the proposed purchase of assets and assumption of liabilities of HSBC Bank USA, N.A., 

New Castle, Delaware.

- Submitted, October 6, 2004 

New York

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority October 3, 2004 to October 9, 2004

Competitive Factors Reports

Citizens Bank of Connecticut, New London, Connecticut -- report on competitive factors 

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

Bristol, Manchester, Newington, Southington, Waterbury, and Rocky Hill branches of 

Charter One Bank, N.A., Cleveland, Ohio.

- Submitted, October 7, 2004 

Secretary

Citizens Bank of Massachusetts, Boston, Massachusetts -- report on competitive factors 

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

Pittsfield, Chicopee, Indian Orchard, Longmeadow, Ludlow, Springfield, Wilbraham, 

Belchertown, Marlborough, and Worcester branches of Charter One Bank, N.A., 

Cleveland, Ohio.

- Submitted, October 7, 2004 

Secretary

Citizens Bank of Pennsylvania, Philadelphia, Pennsylvania -- report on competitive factors 

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

and Sayre branches of Charter One Bank, N.A., Cleveland, Ohio.

- Submitted, October 7, 2004 

Secretary

Community Bank, National Association, Canton, New York -- report on competitive 

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

the Dansville branch of HSBC Bank USA, National Association, New Castle, Delaware.

- Submitted, October 6, 2004 

New York

Community First Bank, Kennewick, Washington -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Connell branch of Baker 

Boyer National Bank.

- Submitted, October 4, 2004 

San Francisco

First National Bank of Florida, Naples, Florida -- report on competitive factors of the 

proposed merger with First Bradenton Bank, Bradenton.

- Submitted, October 6, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority October 3, 2004 to October 9, 2004

Competitive Factors Reports

First State Bank, Sumner, Iowa -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of the Fayette branch of Farmers State 

Bank, Jesup.

- Submitted, October 4, 2004 

Chicago

Hoyne Savings Bank, Chicago, Illinois -- report on competitive factors of the proposed 

merger with Interim Two Federal Savings Bank.

- Submitted, October 4, 2004 

Chicago

Hoyne Savings, MHC, Chicago, Illinois -- report on competitive factors of the proposed 

acquisition of Hoyne Savings Bank.

- Submitted, October 4, 2004 

Chicago

Prudential Savings Bank, Philadelphia, Pennsylvania -- report on competitive factors of 

the proposed merger with Prudential Interim Two as part of a reorganization as a mutual 

holding company.

- Submitted, October 8, 2004 

Philadelphia

Silvergate Bank, La Jolla, California -- report on competitive factors of the proposed 

assumption of certain deposits of Pan American Bank, FSB, Burlingame.

- Submitted, October 7, 2004 

San Francisco

Extensions Of Time

A.N.B. Holding Company, Ltd., Terrell, Texas -- extension to December 13, 2004, to 

acquire shares of The A.N.B. Corporation, A.N.B. Delaware Corporation, and 

American National Bank.

- Granted, October 4, 2004 

Dallas

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority October 3, 2004 to October 9, 2004

Extensions Of Time

Bank of St. Petersburg, St. Petersburg, Florida -- extension to October 2, 2005, to 

establish a branch at 4105 North Himes Avenue, Tampa.

- Granted, October 5, 2004 

Atlanta

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

Investment Corporation, New Castle, Delaware, and CitiCapital Ltd., Bangkok, 

Thailand, to divest their interest in certain property acquired in settlement of debts 

previously contracted (DPC).

- Granted, October 7, 2004 

Secretary

First Bank & Trust, Evanston, Illinois -- extension to January 18, 2005, to establish a 

branch at 824 Emerson Street.

- Granted, October 4, 2004 

Chicago

First Centralia Bancshares, Inc., Centralia, Kansas -- extension to January 9, 2005, to 

acquire, directly and indirectly, shares of Century Capital Financial, Inc., Kilgore, Texas, 

and its subsidiaries, Century Capital Financial-Delaware, Inc., Wilmington, Delaware, and 

City National Bank, Kilgore; and FBC Financial Corporation, Claremore, Oklahoma, 

and its subsidiary thrift, 1st Bank of Oklahoma.

- Granted, October 8, 2004 

Kansas City

Hilltop Community Bancorp, Inc., Summit, New Jersey -- extension to October 1, 2004, 

to become a bank holding company and to acquire Hilltop Community Bank.

- Granted, October 6, 2004 

New York

SunTrust Bank, Atlanta, Georgia -- extension to November 26, 2005, to establish a 

branch at West Colonial Drive and Daniels Road, Winter Garden, Florida.

- Granted, October 6, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority October 3, 2004 to October 9, 2004

Membership

Bank One, Dearborn, National Association, Dearborn, Michigan -- to retain membership 

in the Federal Reserve System on conversion to a state-chartered institution, to be known 

as JP Morgan Chase Bank, Dearborn.

- Approved, October 8, 2004 

Chicago

(AC) = Addition or Correction Delegated - Page 8 of 8
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, October 9, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) OceanPoint Financial Partners, MHC and OceanPoint Financial 

Partners, LLC, both of Newport, Rhode Island - to become a 

mutual bank holding company and stock bank holding company, 

respectively, through the acquisition of Bank of Newport, 

Newport, Rhode Island

Newspaper – 11/08/2004

Fed Reg – 11/08/2004

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, October 9, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C Adirondack Bank, Utica, New York, to purchase the assets and 

assume the liabilities of the Herkimer branch, Herkimer, New 

York, and the Ilion branch, Ilion, New York, of HSBC Bank 

USA, National Association, Buffalo, New York.

Newspaper – 11/01/2004

FBSEA Bank of Baroda, Mumbai, Baroda, to establish a state-licensed 

branch in Houston, Texas.

Newspaper – N/Avail

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 UFJ Holdings Inc., Osaka, Japan and UFJ Bank Limited, 

Nagoya, Japan to retain approximately 31.11 percent of the 

voting shares of UJF Central Leasing, Nagoya, Japan, and to 

therefore through Central Leasing (U.S.A.), Inc., Florence, 

Kentucky, indirectly engage in certain leasing activities 

determined by the Board to be so closely related to banking as to 

be a proper incident thereto.

Fed Reg – 11/02/2004

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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, October 9, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(5) Fulton Financial Corporation, Lancaster, PA request approval to 

merge with Washington Financial Corp, Windsor, NJ, and 

thereby indirectly acquire First Washington State Bank, 

Windsor, NJ 

Newspaper – 10/29/2004

Fed Reg – 10/28/2004

CIC A notice filed by Anthony S. DiSandro, Blue Bell, PA to acquire 

up to 15% of the outstanding shares of PSB Bancorp, Inc., 

Philadelphia, PA

Newspaper – N/Avail

Fed Reg – 09/27/2004

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, October 9, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Fifth Third Bank, Cincinnati, Ohio - to establish a branch at 199 

Graceland Boulevard, Columbus, Ohio 43214

Newspaper – 10/08/2004

*Branch Fifth Third Bank, Grand Rapids, Michigan, to establish a branch 

at 6801 Telegraph Road, Bloomfield Hills, Michigan 48103

Newspaper – 10/12/2004

*Branch Fifth Third Bank, Grand Rapids, Michigan, to establish a branch 

at 259950 Gratiot Avenue, Roseville, Michigan 48066

Newspaper – 10/12/2004

*Branch Fifth Third Bank, Grand Rapids, Michigan, to establish a branch 

at 20065 Mack Avenue, Grosse Pointe Woods, Michigan 48263

Newspaper – 10/12/2004

*Branch Fifth Third Bank, Grand Rapids, Michigan, to establish a branch 

at 66 Kercheval Avenue, Grosse Pointe Farms, Michigan 48236

Newspaper – 10/12/2004

*Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC Notice of Change in Bank Control by Roger L. Moler and Janet 

L. Moler (collectively, "The Moler Family Control Group") to 

retain control of 10.20 percent of the outstanding shares of BNB 

Bancorp, Brookville, Ohio

Newspaper – N/Avail

Fed Reg – N/Avail

*18(c), *3(a)(3) &

Branch

Croghan Bancshares, Inc., Fremont, OH to acquire The Custar 

State Bank, Custar, OH pursuant to section 3(a)(3) of the Bank 

Holding Company Act

Newspaper – 11/05/2004

Fed Reg – 11/08/2004

*3(a)(1) & 4(c)(8) Peoples Community Bancorp, Inc., West Chester, OH, to 

acquire 38% of the outstanding voting shares of Columbia

Bancorp, Inc., Cincinnati, OH, pursuant to Section 3(a)(1) of the 

Bank Holding Company Act and Peoples Community Bancorp, 

Inc., West Chester, OH, to retain 100% of the voting shares of 

Peoples Community Bank, West Chester, OH, pursuant to 

Section 4(c)(8) of the Bank Holding Company Act

Newspaper – N/Avail

Fed Reg – N/Avail
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

*18(c), *3(a)(5) &

Branch

Sky Financial Group, Inc., Bowling Green, OH to acquire 100 

percent of the voting shares of Prospect Bancshares, Inc., 

Worthington, OH pursuant to Section 3(a)(5) of the Bank 

Holding Company Act and thereby acquire its wholly-owned 

subsidiary, Prospect Bank, Columbus, OH and Sky Bank, 

Salineville, OH to merge with and into Prospect Bank, 

Columbus, OH pursuant Section 18(c) of the Federal Deposit 

Insurance Act and incident thereto establish branch offices 

pursuant to Section 9 of the Federal Reserve Act.

Newspaper – N/Avail

Fed Reg – 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

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

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, October 9, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch RBC Centura Bank, Rocky Mount, North Carolina, to establish 

a branch at 18210 Collins Avenue, Sunny Isles Beach, Florida.*

Newspaper – 10/15/2004

Branch RBC Centura Bank, Rocky Mount, North Carolina, to establish 

a branch at 24123 A-14 Peachland Boulevard, Port Charlotte, 

Florida.*

Newspaper – 10/15/2004

18(c) NBRS Financial, Rising Sun, Maryland, to purchase the assets 

and assume the deposit liabilities of the Aberdeen, Maryland, 

branch office of Susquehanna Bank, Baltimore, Maryland.*

Newspaper – 11/01/2004

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(1) Palmetto Heritage Bancshares, Inc., Pawleys Island, South 

Carolina, to become a bank holding company through the 

acquisition of 100% of the voting shares of Palmetto Heritage 

Bank & Trust, Pawleys Island, South Carolina.*

Fed Reg – N/Avail

Newspaper – 11/06/2004

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, October 9, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch MidSouth Bank, Murfreesboro, Tennessee, to establish a mobile 

branch to service the Rutherford, Wilson, Davidson, 

Williamson, and Bedford counties, Tennessee.*

Newspaper – 10/11/2004

Branch MidSouth Bank, Murfreesboro, Tennessee, to establish a branch 

located on Memorial Boulevard near the Castlewood 

intersection, Murfreesboro, Tennessee.*

Newspaper – 10/11/2004

Branch MidSouth Bank, Murfreesboro, Tennessee, to establish a branch 

located on Franklin Road (Highway 96), near the St. Andrews 

intersection, Murfreesboro, Tennessee.*

Newspaper – 10/11/2004

Branch MidSouth Bank, Murfreesboro, Tennessee, to establish a branch 

located on Sam Ridley Parkway, Smyrna, Tennessee.*

Newspaper – 10/11/2004

Branch MidSouth Bank, Murfreesboro, Tennessee, to establish a branch

located on Highway 231 South, near the Caroline Street 

intersection, Murfreesboro, Tennessee.*

Newspaper – 10/11/2004

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

located at 2310 Highway 6 South, Sugar Land, Texas.*

Newspaper – 10/09/2004

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

located on the west side of Ocoee Crossing, south of the 

intersection of Ocoee Crossing and Keith Street, Cleveland, 

Tennessee.*

Newspaper – 10/09/2004

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

located at 2404 East Parkway Drive, Russellville, Alabama.*

Newspaper – 10/14/2004

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

2911-53rd Avenue East, Bradenton, Florida, to be known as the 

Oneco Wal-Mart Office.*

Newspaper – 10/17/2004

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

600 U.S. Highway 27, Clermont, Florida, to be known as the 

U.S. 27 & 192 Wal-Mart Office.*

Newspaper – 10/17/2004

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

4770 Colonial Boulevard, Ft. Myers, Florida, to be known as the 

Colonial Boulevard Wal-Mart Office.*

Newspaper – 10/17/2004

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

14821 Six Mile Cypress Highway, Ft. Myers, Florida, to be 

known as the Six Mile Cypress & U.S. 41 Wal-Mart Office.*

Newspaper – 10/17/2004
Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

545 Pine Island Road, Ft. Myers, Florida, to be known as the 

North Ft. Myers Wal-Mart Office.*

Newspaper – 10/17/2004

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

3175 Cheney Highway, Titusville, Florida, to be known as the 

Titusville Wal-Mart Office.*

Newspaper – 10/17/2004

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

1500 E. Merritt Island Causeway, Merritt Island, Florida, to be 

known as the Merritt Island Wal-Mart Office.*

Newspaper – 10/17/2004

18(c) Cumberland Bank, Franklin, Tennessee, to merge with Bank of 

Dyer, Dyer, Tennessee.*

Newspaper – 10/07/2004

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) Enterprise Banking Company, Inc., Stockbridge, Georgia, to 

become a bank holding company by acquiring 100 percent of the 

outstanding shares of The Dorsey State Bank, Abbeville, 

Georgia.*

Newspaper – 10/31/2004

Fed Reg – 10/25/2004

3(a)(1) Heritage Mutual Corporation, Albany, Georgia, to become a 

bank holding company by acquiring 100 percent of the 

outstanding shares of HeritageBank of the South, Albany, 

Georgia.*

Newspaper – N/Avail

Fed Reg – 11/08/2004

3(a)(1) Heritage Financial, Inc., Albany, Georgia, to become a bank 

holding company by acquiring 100 percent of the outstanding 

shares of HeritageBank of the South, Albany, Georgia.*

Newspaper – N/Avail

Fed Reg – 11/08/2004

*Subject to 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

749635 Auburn Bank

100 North Gay Street

Auburn, Alabama 36831

(334) 887-2732

06/14/2004 10/03/2004 S X

Section VI – CRA examinations schedule d for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, October 9, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Cornerstone Financial Services Group, Inc., Ottumwa, Iowa, to 

acquire 100 percent of West Liberty Holding Co., West Liberty, 

Iowa, and thereby indirectly acquire West Liberty State Bank, 

West Liberty, Iowa.*

Fed Reg – 11/01/2004

Newspaper – N/Avail

CIC Notice by Marlene D. Huls, Gifford, Illinois, to retain 29.8 

percent of the voting shares of Illini Corporation, Springfield, 

Illinois, and thereby indirectly acquire Illini Bank, Springfield, 

Illinois.

Fed Reg – 10/13/2004

Newspaper – N/Avail

3(a)(1) Rural Bancshares of Wisconsin, Inc., Fennimore, Wisconsin, to 

become a bank holding company by acquiring 80 percent of the

voting shares of LSB Holding Company, Livingston, Wisconsin, 

and thereby indirectly acquire Livingston State Bank, 

Livingston, Wisconsin.*

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

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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, October 9, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3A3 First Bank Corp, Fort Smith, Arkansas, to acquire 100 percent of 

BOR Bancshares, Inc., Rogers, Arkansas, and thereby indirectly 

acquire Bank of Rogers, Rogers, Arkansas. (Previously reported 

during the week ended October 2, 2004)*

Newspaper – 10/30/2004

Fed Reg – 11/01/2004

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subje ct to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, October 9, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Branch American Bank of St. Paul, St. Paul, Minnesota, to merge 

with Americana National Bank, Albert Lea, Minnesota and 

incident thereto establish branches at 217 South Newton 

Avenue, Albert Lea, Minnesota, and 195 North Broadway, 

Alden, Minnesota.*

Newspaper-10/09/2004

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) DCNB Holding Company, Clear Lake, South Dakota, to 

become a bank holding company by acquiring 100 percent 

of Deuel County National Bank, Clear Lake, South 

Dakota.*

Fed Reg – 11/08/2004

Newspaper – N/Avail

3(a)(3) Marshall Bancorp, Inc., Minneapolis, Minnesota, to 

acquire 100% of BANKFIRST Corporation, Sioux Falls, 

South Dakota, and thereby indirectly acquire 

BANKFIRST, Sioux Falls, South Dakota.*

Fed Reg – 10/22/2004

Newspaper – N/Avail

CIC Notice by Todd L. Johnson, Superior, Wisconsin, to gain 

control of NATCOM Bancshares, Inc., Superior,

Wisconsin, and thereby indirectly gain control of National 

Bank of Commerce, Superior, Wisconsin.

Fed Reg – 10/27/2004

Newspaper – N/Avail

3(a)(3) State Bankshares, Inc., Fargo, North Dakota, to acquire 

100 percent of the voting shares of First State Bank of 

Audubon, Audubon, Minnesota.*

Fed Reg – 10/22/2004

Newspaper-10/28/2004

3(a)(3) The Tysan Corporation, Minneapolis, Minnesota, to 

acquire 100 percent of the voting stock of Blaine State 

Bank, Blaine, Minnesota.*

Fed Reg – 10/25/2004

Newspaper-10/27/2004

* 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 Registe r 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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, October 9, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Union Colony Bank, Greeley, Colorado, to establish a branch on 

the northwest corner of 35th Avenue and 37th Street, Evans, 

Colorado.

Newspaper – 10/12/2004

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

Type Application

Ending date of

comment period

3(a)(1) Signature Bank Corporation, Windsor, Colorado, to become a 

bank holding company through the acquisition of 100 percent of 

the voting shares of Signature Bank, Windsor, Colorado (in 

organization).

Newspaper – 10/27/2004

Fed Reg – 11/08/2004

3(a)(1) Newco Front Range, Inc., Fort Collins, Colorado, to become a 

bank holding company through the acquisition of 100 percent of 

the voting shares of Guaranty Corporation, Denver, Colorado, 

parent of Guaranty Bank and Trust Company, Denver, 

Colorado; Collegiate Peaks Bank, Buena Vista, Colorado; and 

First National Bank of Strasburg, Strasburg, Colorado.

Newspaper – N/Avail

Fed Reg – 10/29/2004

3(a)(3) Centennial Bank Holdings, Inc., Fort Collins, Colorado, to 

acquire, through its wholly owned subsidiary Newco Front 

Range, Inc., Fort Collins, Colorado, 100 percent of the voting 

shares of Guaranty Corporation, Denver, Colorado, parent of 

Guaranty Bank and Trust Company, Denver, Colorado; 

Collegiate Peaks Bank, Buena Vista, Colorado; and First 

National Bank of Strasburg, Strasburg, Colorado.

Newspaper – N/Avail

Fed Reg – 10/29/2004

4(c)(8) Centennial Bank Holdings, Inc., Fort Collins, Colorado, to 

engage in trust activities through the acquisition of Guaranty 

Corporation, Denver, Colorado, parent of AMG Guaranty Trust, 

N.A., Greenwood Village, Colorado.

Newspaper – N/Avail

Fed Reg – 10/29/2004
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

42055 Anadarko Bank and Trust Company

110 W. Oklahoma Street

Anadarko, Oklahoma 73005-3499

07/12/2004 10/06/2004 S X
Section VI – CRA examinations scheduled for 4

th Quarter of 2004

Institution Location

Castle Rock Bank Castle Rock, Colorado

Heritage Bank Louisville, Colorado

WestStar Bank Vail, Colorado

First Option Bank Osawatomie, Kansas

Thunder Bank Sylvan Grove, Kansas

First State Bank New Mexico Taos, New Mexico

Bank of Eufaula Eufaula, Oklahoma

Edmond Bank and Trust Edmond, Oklahoma

Uinta County State Bank Mountain View, Wyoming

Bank of Commerce Rawlins, Wyoming

Section VI – CRA examinations scheduled for 1

st Quarter of 2005

Institution Location

Chetopa State Bank and Trust Chetopa, Kansas

Union State Bank Everest, Kansas

Gold Bank Leawood, Kansas

United Bank and Trust Marysville, Kansas

First Neodesha Bank Neodesha, Kansas

Bank of Parsons Parsons, Kansas

Five Points Bank of Hastings Hastings, Nebraska

Adams Bank and Trust Ogallala, Nebraska

Guarantee State Bank Lawton, Oklahoma

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances.
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, October 9, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, October 9, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C Branch Placer Sierra Bank, Auburn, California, to merge with Bank of 

Lodi, N.A., Lodi, California, and thereby acquire nine additional 

branch offices of Bank of Lodi, N.A.*

Newspaper – 10/29/2004

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3A3 Wells Fargo & Company, San Francisco, California, to acquire 

First Community Capital Corporation, Houston, Texas, and 

thereby indirectly acquire its wholly-owned subsidiaries, First 

Community Capital Corporation of Delaware, Inc., Wilmington, 

Delaware, First Community Bank N.A., Houston, Texas, First 

Community Bank San Antonio N.A., San Antonio, Texas, and 

First Community Advisors, Inc., Houston, Texas.*

Newspaper – 10/01/2004

Fed Reg – 11/08/2004

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None