Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 46

Week Ending November 15, 2003

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions November 9, 2003 to November 15, 2003

Bank Holding Companies

AllNations Bancorporation, Inc., Shawnee, Oklahoma -- to become a bank holding 

company through the acquisition of The First National Bank of Calumet, Calumet.

- Approved, November 12, 2003 

(AC) = Addition or Correction Board - Page 1 of 1
November 9, 2003 to November 15, 2003

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Bank of Rogers, Rogers, Arkansas -- to establish a branch at 3706 Pinnacle Hills 

Boulevard.

- Approved, November 14, 2003 

St. Louis

HomeFederal Bank, Columbus, Indiana -- to establish a branch at 8740 South Emerson 

Avenue, Indianapolis.

- Approved, November 10, 2003 

Chicago

The Killbuck Savings Bank Company, Killbuck, Ohio -- to establish a branch at 4900 

Oak Street, Berlin.

- Approved, November 12, 2003 

Cleveland

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 2970 Horizon Road, 

Rockwall, Texas.

- Approved, November 12, 2003 

Atlanta

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 5445 Glenside Drive, 

Suite 100, Richmond, Virginia.

- Approved, November 14, 2003 

Atlanta

Bank Holding Companies

Chemical Financial Corporation, Midland, Michigan -- to acquire Caledonia Financial 

Corporation and thereby acquire State Bank of Caledonia, Caledonia.

- Approved, November 14, 2003 

Chicago

(AC) = Addition or Correction Delegated - Page 1 of 4
H.2 Actions under delegated authority November 9, 2003 to November 15, 2003

Bank Holding Companies

City Delaware Bancorp, Inc., Dover, Delaware -- to become a subsidiary holding 

company of City Bancorp, Inc., Wellington, Texas, through the acquisition of Community 

Bank.

- Registration granted, November 13, 2003 

Dallas

ESB Acquisition Corp., New York, New York -- to become a bank holding company 

through the acquisition of Emigrant Bancorp.

- Approved, November 14, 2003 

New York

Integrity Bancshares, Inc., Alpharetta, Georgia -- commitment waiver request.

- Withdrawn, November 10, 2003 

Atlanta

Iuka Bancshares, Inc., Iuka, Illinois -- to become a bank holding company through the 

acquisition of The Iuka State Bank.

- Approved, November 14, 2003 

St. Louis

Unity Holdings, Inc., Cartersville, Georgia -- commitment waiver request.

- Approved, November 13, 2003 

Atlanta

Wintrust Financial Corporation, Lake Forest, Illinois -- to acquire Beverly Bank & Trust 

Company, National Association, Chicago, a de novo bank.

- Approved, November 14, 2003 

Chicago

Bank Mergers

State Street Bank and Trust Company, Boston, Massachusetts -- to purchase certain 

assets and assume certain liabilities of the Pompton Lakes, New Jersey, branch of The 

Trust Company of New Jersey, Jersey City.

- Approved, November 12, 2003 

Boston

(AC) = Addition or Correction Delegated - Page 2 of 4
H.2 Actions under delegated authority November 9, 2003 to November 15, 2003

Banks, Nonmember, And Miscellaneous Institutions

Banco Santander Central Hispano International, Miami, Florida -- to increase its capital 

stock.

- Approved, November 12, 2003 

New York

Change In Bank Control

Alamo Corporation of Texas, Alamo, Texas -- change in bank control.

- Permitted, November 10, 2003 

Dallas

Competitive Factors Reports

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

proposed merger with BOM COMLOAN, Incorporated, Henderson, Nevada, and 

MPR, Inc., Chicago.

- Submitted, November 12, 2003 

Chicago

First Security Bank, Searcy, Arkansas -- report on competitive factors of the proposed 

purchase of certain assets and assumption of liabilities of The First National Bank of 

Springdale, Springdale.

- Submitted, November 13, 2003 

St. Louis

First State Bank of Monticello, Monticello, Illinois -- report on competitive factors of the 

proposed merger with First State Bank, Atwood.

- Submitted, November 14, 2003 

Chicago

The Iuka State Bank, Iuka, Illinois -- report on competitive factors of the proposed 

merger with Iuka Interim Bank.

- Submitted, November 14, 2003 

St. Louis

(AC) = Addition or Correction Delegated - Page 3 of 4
H.2 Actions under delegated authority November 9, 2003 to November 15, 2003

Competitive Factors Reports

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

assumption of the deposit liabilities of the Manson branch of First Federal Savings Bank 

of the Midwest, Storm Lake.

- Submitted, November 13, 2003 

Chicago

Mutual Bank, Harvey, Illinois -- report on competitive factors of the proposed merger 

with Security Bank of DuPage, Naperville.

- Submitted, November 12, 2003 

Chicago

Rio Bank, McAllen, Texas -- report on competitive factors of the proposed merger with 

Rio Interim Corp.

- Submitted, November 14, 2003 

Dallas

Extensions Of Time

Merchants & Manufacturers Bancorporation, Inc., Brookfield, Wisconsin -- extension to 

February 21, 2004, to acquire Random Lake Bancorp, Limited, Random Lake, and 

thereby acquire Wisconsin State Bank.

- Granted, November 14, 2003 

Chicago

Total Bancshares Corporation, Miami, Florida -- extension to February 28, 2004, to 

become a bank holding company through the acquisition of TotalBank.

- Granted, November 12, 2003 

Atlanta

Financial Holding Companies

United Community Financial Corporation, Grand Rapids, Michigan -- election to become 

a financial holding company.

- Effective, November 10, 2003 

Chicago

(AC) = Addition or Correction Delegated - Page 4 of 4
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, November 15, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Kenneth R. Lehman and Joan Abercrombie Lehman – to acquire 

up to 25% of the outstanding shares of the common stock of 

Service Bancorp, Inc., Medway, Massachusetts

Newspaper – N/Avail 

Fed Reg – 12/04/2003

3(a)(3) & 3(a)(5)* Bank of America Corporation, Charlotte, North Carolina –

application to acquire FleetBoston Financial Corporation, 

Boston, Massachusetts

Newspaper – 12/14/2003

Fed Reg – 12/15/2003

3(a)(3)* FleetBoston Financial Corporation, Boston, Massachusetts – to 

acquire up to 19.9% of the outstanding shares of Bank of 

America Corporation, Charlotte, North Carolina

Newspaper – 12/14/2003

Fed Reg 12/15/2003

*Comments should be directed to: A. Linwood Gill, III, Vice President, Federal Reserve Bank of Richmond, 

P.O. Box 27622, Richmond, Virginia 23261, Phone # 804-697-8237.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

– notification to acquire a 20% interest in Bingham, Osborn & 

Scarborough, LLC, San Francisco, California

Fed Reg – 12/02/2003
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for First Quarter of 2004

Institution Location

Marblehead Savings Bank Marblehead, Massachusetts

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 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, November 15, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4c8 Bayerische Hypo- und Vereninsbank AG, Munich, Germany and 

Munchener Ruchversicherungs-Gesellschaft AG, Munich, 

Germany, to engage in the following activities through their 

non-controlling investment in Identrus, LLC, a Delaware limited 

liability company, following the acquisition by Identrus of 

eFinance Corporation, San Francisco, California.

Fed Reg – N/Avail

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, November 15, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

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, November 15, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Application by Savings Bank & Trust, Wadsworth, Ohio, to 

establish a branch at 3333 Massillon Road, Green, Ohio.

Newspaper – 11/07/2003

Branch Application by Western Reserve Bank, Medina, Ohio, to 

establish branch at 8747 Brecksville Road, Brecksville, Ohio.

Newspaper – 11/17/2003

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

Type Application

Ending date of

comment period

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

a bank holding company through the acquisition of The Peoples 

Savings Bank, New Matamoras, Ohio.

Newspaper – 12/04/2003

Fed Reg – 12/01/2003

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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, November 15, 2003

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 3645 Clemmons Road, Clemmons, North Carolina.*

Newspaper – 11/21/2003

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

a branch at 741 Westinghouse Boulevard, Charlotte, North 

Carolina.*

Newspaper – 11/21/2003

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

a branch at 14400 New Falls of Neuse Road, Raleigh, North 

Carolina.*

Newspaper – 11/21/2003

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

a branch at 4 Pope Avenue, Hilton Head, South Carolina.*

Newspaper – 11/21/2003

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(3) Bank of America Corporation, Charlotte, North Carolina, to 

acquire up to 19.9% of the voting shares of FleetBoston 

Financial Corporation, Boston, Massachusetts.*

Fed Reg – 12/15/2003 

Newspaper – 12/14/2003

3(a)(5) Bank of America Corporation, Charlotte, North Carolina, to 

merge with FleetBoston Financial Corporation, Boston, 

Massachusetts.*

Fed Reg – 12/15/2003 

Newspaper – 12/14/2003

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Carolina Financial Corporation, Charleston, South Carolina, to 

purchase certain assets and assume certain liabilities of Cresent 

Mortgage Services, Inc., Atlanta, Georgia.

Fed Reg – 12/04/2003
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

417676 Putnam County Bank

2761 Main Street

Hurricane, West Virginia 25526

08/25/2003 11/09/2003 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, November 15, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at 795 W. State Road 434, Longwood, Florida, to be 

known as the East Longwood Branch.*

Newspaper – 11/25/2003

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

located at 4900 Falls of Neuse Road, Suite 100, Raleigh, North 

Carolina.*

Newspaper – 11/17/2003

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

merge with Cypress Bankshares, Inc., and thereby acquire its 

subsidiary, Cypress Bank, both of Palm Coast, Florida.*

Newspaper – N/Avail

Fed Reg – 12/05/2003

*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

COM CNLBancshares, Inc., Orlando, Florida, commitment waiver 

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

Type Application

COM Gwinnett Commercial Group, Lawrenceville, Georgia, 

commitment waiver request.

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

808176 IBERIABANK

200 West Congress Street

Lafayette, Louisiana 70502

(337) 365-2361

06/09/2003 11/11/2003 S X

539032 Bank Independent

710 South Montgomery Avenue

Sheffield, Alabama 35660-3899

(256) 386-5000

07/28/2003 11/13/2003 S X

Section VI – CRA examinations scheduled for First Quarter of 2004

Institution Location

First Navy Bank Pensacola, Florida

Coconut Grove Bank Miami, Florida
Section VI – CRA examinations scheduled for First Quarter of 2004

Institution Location

Metro Bank of Dade County Miami, Florida

The Farmers Bank Union Point, Georgia

Red River Bank Alexandria, Louisiana

Peoples Southern Bank Clanton, Alabama

Commercial Bank Harrogate, Tennessee

Central State Bank Calera, Alabama

Tennessee State Bank Pigeon Forge, Tennessee

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 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, November 15, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Marquette Bank, Chicago, Illinois, to establish a branch facility 

to be located at 10000 West 151st Street, Orland Park, Illinois.*

Newspaper – 11/14/2003

Branch Marquette Bank, Chicago, Illinois, to establish a branch facility 

to be located at 1876 W. Airport Road, Romeoville, Illinois.*

Newspaper – 11/14/2003

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

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

his ownership above 25 percent of The Greenwood's 

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

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

Wisconsin.

Fed Reg – 12/04/2003

Newspaper – N/Avail

3(a)(1) Main Street Bancorp, Inc., Northville, Michigan, to become a 

bank holding company by acquiring 100 percent of the voting 

shares of Main Street Bank (in organization), Northville, 

Michigan.*

Fed Reg – N/Avail

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

Type Application

Ending date of

comment period

CIC Notice by Raymond Abel, Mediapolis, Iowa, to retain control of 

25.62% of Mediapolis Bancorporation, Mediapolis, Iowa, and 

thereby indirectly acquire Mediapolis Savings Bank; notice by 

the Aspelmeier Family (Kenneth and Shirley Aspelmeier of 

Mediapolis, Iowa, and their children Lynne McBride of 

Waterloo, Iowa, and David Aspelmeier and his children Cade 

and Samuel all of West Branch, Iowa) to retain control of 

29.28% Mediapolis Bancorporation, Mediapolis, Iowa, and 

thereby indirectly acquire Mediapolis Savings Bank. In 

addition, notice by Kenneth Aspelmeier to individually control 

25.62% of Mediapolis Bancorporation with his wife, Shirley, 

and notice by the Schmidgall Family (Donald and Carol 

Schmidgall, Hartzell and Marian Schmidgall, Jon and Julie 

Schmidgall, Ronald and Jane Schmidgall all of Mediapolis, 

Iowa) to retain control of 27.96% of Mediapolis Bancorporation, 

Mediapolis, Iowa, and thereby indirectly acquire Mediapolis 

Savings Bank.

Fed Reg – 12/04/2003

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

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, November 15, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3A5 Simmons First National Corporation, Pine Bluff, Arkansas, to 

acquire Alliance Bancorporation, Inc., Hot Springs, Arkansas, 

and thereby indirectly acquire Alliance Bank of Hot Springs, 

Hot Springs, Arkansas. (Previously submitted during the week 

ending November 8, 2003.)*

Newspaper – 12/03/2003

Fed Reg – 12/08/2003

3A3, 18C, and

Branch

Midland States Bancorp, Inc., Effingham, Illinois ("Midland"), 

to acquire 100 percent of Sun Security Bank of America, 

Ellington, Missouri. Also Midland's subsidiary bank, Effingham 

State Bank, Effingham, Illinois ("Effingham Bank"), to merge 

with Sun Security Bank of America, Ellington, Missouri. In 

connection with the bank merger application, Effingham Bank to 

establish a branch facility to be located at 17107 Chesterfield 

Airport Road, Chesterfield, Missouri.*

Newspaper – 12/06/2003

Fed Reg – 12/15/2003

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

Other The Missouri Bank, Warrenton, Missouri, to expand its banking 

powers by exercising limited trust powers as trustee on a 

municipal bond issue.

Other Truman Bank, St. Louis, Missouri, to reduce its permanent 

capital.

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

2577739 The Bank of Jackson

Jackson, Tennessee

07/21/2003 11/13/2003 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, November 15, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

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

Dakota.*

Newspaper – N/Avail

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

CIC Michael Dennis Watters, Lakeville, Minnesota, to gain control 

of Provincial Corp., Lakeville, Minnesota, and thereby indirectly 

gain control of Provincia l Bank, Lakeville, Minnesota.

Fed Reg-11/17/2003

Newspaper – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

705958 Kanabec State Bank,

Mora, Minnesota

07/21/2003 11/10/2003 S X

Section VI – CRA examinations scheduled for 1st Quarter of January 1, 2004-March 31, 2004

Institution Location

United Bankers’ Bank Bloomington, Minnesota

First Security Bank of Malta Malta, Montana

Community Bank, Inc. Ronan, Montana

First Western Bank & Trust Minot, North Dakota

Dacotah Bank Aberdeen, South Dakota

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.

Examinations may have to be rescheduled during the calendar quarter in which they are designated to begin. If 

an institution’s examination is rescheduled for a date later than the end of the date range reflected in a published 

schedule, the institution’s name will be republished in an appropriate later listing. Any comments received, as a 

result of either the first publication or subsequent publications will be considered during the examination. 

Written comments regarding the CRA performance of these institutions should be directed to Mr. Jim Colwell at 

the Federal Reserve Bank of Minneapolis, Supervision, Regulation and Credit Division. P. O. Box 291, 

Minneapolis, Minnesota 55480-0291.
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, November 15, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Community Banks of Colorado, Greenwood Village, Colorado, 

to establish a branch at 3473 West 32nd Avenue, Denver, 

Colorado.

Newspaper - 12/09/2003

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

Type Application

Ending date of

comment period

CIC Notice by Christian A. Royer, St. Marys, Kansas, to acquire 

control of PCI Holdings, Inc., parent of St. Marys State Bank, 

both of St. Marys, Kansas.

Newspaper - 11/30/2003

Fed Reg - 11/28/2003

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

The Community Reinvestment Act is iended 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

818353 Pioneer Bank & Trust Company

1223 E. Highland

Ponca City, Oklahoma 74601

08/18/2003 11/14/2003 S X

Section VI – CRA examinations sche duled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, November 15, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) DCB Financial Corporation, Dallas, TX, and DCB Delaware 

Financial Corporation, Wilmington, DE, to acquire Dalla s City 

Bank, Dallas, TX (de novo)*

Fed Reg – N/Avail

Newspaper – 12/07/2003

3(a)(1) DCB Delaware Financial Corporation, Wilmington, DE, to 

acquire Dallas City Bank, Dallas, TX (de novo)*

Fed Reg – N/Avail

Newspaper – 12/07/2003

3(a)(1) Professional Capital, Inc., Dallas, TX, and Professional Capital 

of Delaware, Inc., Wilmington, DE, to acquire Professional 

Bank, National Association, Dallas, TX (de novo)*

Fed Reg – 12/15/2003

Newspaper – N/Avail

3(a)(1) Professional Capital of Delaware, Inc., Wilmington, DE, to 

acquire Professional Bank, National Association, Dallas, TX (de 

novo)*

Fed Reg – 12/15/2003

Newspaper – N/Avail

*Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

3(a)(1) Daingerfield Holding Company, Daingerfield, TX, to acquire

The National Bank of Daingerfield, Daingerfield, 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 Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for First Quarter of 2004

Institution Location

Riverbend Bank

426057

2000 Handley Ederville Road

Fort Worth, Texas 76118 

First State Bank of Mineral Wells

238755

101 East Hubbard

Mineral Wells, Texas 76067-5319

TIB-The Independent BankersBank

529958

350 Phelps Ct.

Irving, Texas 75038-0001

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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, November 15, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C & Branch North Valley Bank, Redding, California, to merge with Six 

Rivers Bank, Eureka, California, and to acquire eight Northern 

California branch offices of Six Rivers Bank.*

Newspaper - N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Five Star Bancorp, Rocklin, California, to acquire 100 percent of 

Five Star Bank Natomas, Sacramento, California, a state 

nonmember bank in organization.*

Newspaper – N/Avail Fed 

Reg – 12/15/2003

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Other Bank of Hawaii, Honolulu, Hawaii, to make a community 

development investment in the amount of $4,000,000 in Rural 

Community Assistance Corporation, West Sacramento, 

California, a California non-profit organization.
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

Other Bank of Hawaii, Honolulu, Hawaii, to make a community 

development investment in the amount of $1,000,000 in Maui 

Economic Opportunity, Inc., Maui, Hawaii, a Hawaii non-profit 

corporation. 

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 1st Quarter of 2004

Institution Location

Farmers & Merchants Bank – Central California Lodi, California

Farmers & Merchants Bank – Rockford Spokane, Washington

Foothill Independent Bank Glendora, California

Frontier Bank Everett, Washington

Westamerica Bank San Rafael, California

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.