H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 15 

Week Ending April 9, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions April 3, 2005 to April 9, 2005 

Testimony And Statements 

Regulatory Reform of the Government-Sponsored Enterprises -- statement by 

Chairman Greenspan before the Senate Committee on Banking, Housing, and Urban 

Affairs. 

- Published, April 6, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority April 3, 2005 to April 9, 2005 

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

C&CA Consumer and Community Affairs IF International Finance 

FOMC Federal Open Market Committee OSDM Office of Staff Director for Management 

Bank Branches, Domestic 

Chicago 

Bank of Geneva, Geneva, Indiana -- to establish a branch at 1451 North Meridian 

Street, Portland. 

- Approved, April 7, 2005 

San Francisco 

Barnes Banking Company, Kaysville, Utah -- to establish a branch at 229 East St. 

George Boulevard, St. George. 

- Approved, April 7, 2005 

Chicago 

Cedar Rapids Bank and Trust Company, Cedar Rapids, Iowa -- to establish a branch 

at 5400 Council Street Northeast. 

- Approved, April 6, 2005 

Kansas City 

Gold Bank, Leawood, Kansas -- to establish a branch at John Moore Road and 

Bloomingdale Avenue, Brandon, Florida. 

- Approved, April 8, 2005 

New York 

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

branch at 5236 Broadway, Village of Lancaster. 

- Approved, April 7, 2005 

New York 

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

branch at 3 Bethesda Metro Center, Bethesda, Maryland. 

- Approved, April 7, 2005 

Atlanta 

Rivoli Bank & Trust, Macon, Georgia -- to establish a branch at 222 West Poplar 

Street, Griffin. 

- Approved, April 7, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 6 
H.2 Actions under delegated authority April 3, 2005 to April 9, 2005 

Bank Holding Companies 

Richmond 

Capital One Financial Corporation, McLean, Virginia -- to purchase certain assets 

and assume certain obligations of the automobile finance business of KeyBank, 

National Association. 

- Approved, April 7, 2005 

Kansas City 

Citizens Bancshares Co., Chillicothe, Missouri; Young Partners, LP; and Young 

Corporation -- to acquire additional shares, for a total of 6.95 percent, of Clayco 

Banc Corporation, Claycomo, and thereby acquire CSB Bank. 

- Approved, April 7, 2005 

Kansas City 

Citizens Bancshares Co., Chillicothe, Missouri; Young Partners, LP; and Young 

Corporation -- to acquire additional shares, for a total of 23.3 percent, of First 

Community Bancshares, Inc., Overland Park, Kansas, and thereby acquire First 

Community Bank, Lee's Summit, Missouri. 

- Approved, April 7, 2005 

Chicago 

CNB Community Bancorp, Inc., Hillsdale, Michigan -- to become a bank holding 

company and to acquire Hillsdale County National Bank. 

- Approved, April 7, 2005 

St. Louis 

Community First Bancshares, Inc., Harrison, Arkansas -- to acquire at least 23.81 

percent of the shares of White River Bancshares Company, Fayetteville, and 

thereby acquire Signature Bank of Arkansas. 

- Approved, April 7, 2005 

Chicago 

Great River Financial Group, Inc., Burlington, Iowa -- to acquire Two Rivers Bank 

and Trust, Johnston, a de novo bank. 

- Approved, April 7, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 6 
H.2 Actions under delegated authority April 3, 2005 to April 9, 2005 

Bank Holding Companies 

Boston 

GSB, MHC, Greenfield, Massachusetts -- to become a bank holding company and 

to acquire Greenfield Savings Bank. 

- Approved, April 6, 2005 

St. Louis 

Home Bancshares, Inc., Conway, Arkansas -- to acquire at least 20 percent of the 

shares of White River Bancshares Company, Fayetteville, and thereby acquire 

Signature Bank of Arkansas. 

- Approved, April 7, 2005 

Chicago 

Prairieland Bancorp Employee Stock Ownership Plan and Trust, Bushnell, 

Illinois -- to increase its ownership from 44.97 percent to 49.69 percent of 

Prairieland Bancorp, Inc. and thereby acquire Farmers and Merchants State Bank of 

Bushnell. 

- Approved, April 4, 2005 

Chicago 

QCR Holdings, Inc., Moline, Illinois -- to engage de novo in extending credit and 

servicing loans through a joint venture by its subsidiary, Cedar Rapids Bank and 

Trust Company, Cedar Rapids, Iowa. 

- Approved, April 7, 2005 

Philadelphia 

Univest Corporation of Pennsylvania, Souderton, Pennsylvania -- to retain 8.53 

percent of the shares of New Century Bank, Phoenixville. 

- Withdrawn, April 7, 2005 

St. Louis 

White River Bancshares Company, Fayetteville, Arkansas -- to become a bank 

holding company and to acquire Signature Bank of Arkansas. 

- Approved, April 7, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 6 
H.2 Actions under delegated authority April 3, 2005 to April 9, 2005 

Banks, National 

Director, BS&R 

Omni National Bank, Fayetteville, North Carolina -- request for an exemption from 

section 23A of the Federal Reserve Act. 

- Granted, April 8, 2005 

Competitive Factors Reports 

Minneapolis 

American Bank Lake City, Lake City, Minnesota -- report on competitive factors of 

the proposed merger with American Bank, Eau Claire, Wisconsin. 

- Submitted, April 8, 2005 

Richmond 

Bradford Bank, Baltimore, Maryland -- report on competitive factors of the 

proposed merger with Interim Savings Bank II. 

- Submitted, April 8, 2005 

Secretary 

Mountain West Bank, Coeur D'Alene, Idaho -- report on competitive factors of the 

proposed acquisition of the Bonners Ferry branch of Zions First National Bank, Salt 

Lake City, Utah. 

- Submitted, April 7, 2005 

Atlanta 

Peoples Bank, Palm Harbor, Florida -- report on competitive factors of the proposed 

merger with United Bank and Trust Company, St. Petersburg, and United Bank of 

the Gulf Coast, Sarasota. 

- Submitted, March 30, 2005 (AC) 

Atlanta 

SouthBank, Woodstock, Georgia -- report on competitive factors of the proposed 

merger with Security Interim Bank. 

- Submitted, April 4, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 6 
H.2 Actions under delegated authority April 3, 2005 to April 9, 2005 

Extensions Of Time 

Secretary 

Citigroup Inc., New York, New York -- extension of time for its subsidiary, Banco 

Nacional de Mexico, S.A., Mexico City, Mexico, to divest its interests in certain 

assets acquired in settlement of debts previously contracted. 

- Granted, April 6, 2005 

Director, BS&R 

Fortis S.A./N.V., Brussels, Belgium; Fortis N.V.; and Fortis Bank S.A./N.V. -- 

extension of time to conform or divest certain impermissible activities. 

- Granted, March 29, 2005 (AC) 

Richmond 

NBRS Financial, Rising Sun, Maryland -- extension to June 30, 2005, to establish a 

branch at Maryland Route 213 and White Hall Road, Elkton. 

- Granted, April 5, 2005 

Kansas City 

Saline State Bank, Wilber, Nebraska -- extension to July 23, 2005, to establish a 

branch at 82nd Street and Elger Drive, Lincoln, and to replace its existing branch at 

5620 South 48th Street. 

- Granted, April 5, 2005 

Chicago 

Southwest Bank of St. Louis, St. Louis, Missouri -- extension to September 18, 

2005, to establish a branch at 10923 Olive Boulevard, Creve Coeur. 

- Granted, April 4, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- extension to October 6, 2006, to establish a 

branch at 700 Baltimore Boulevard, Westminster, Maryland. 

- Granted, April 6, 2005 

Dallas 

Texas Coastal Bank, Pasadena, Texas -- extension to August 3, 2005, to establish a 

branch at 102 West Pasadena Boulevard, Deer Park. 

- Granted, April 4, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 6 
H.2 Actions under delegated authority April 3, 2005 to April 9, 2005 

International Operations 

Director, BS&R 

Fleet National Bank, Providence, Rhode Island -- to amend certain articles of 

association of its Edge corporation subsidiary, Boston Overseas Financial 

Corporation, Boston, Massachusetts. 

- Approved, April 4, 2005 

(AC) = Addition or Correction Delegated - Page 6 of 6 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, April 9, 2005

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

25A State Street International Holdings, Boston, Massachusetts – to 

extend the period of its corporate existence pursuant to section

25A of the Federal Reserve Act
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, April 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Banco Latinoamericano De Exportaciones, S.A., Panama City, 

Panama, to establish a representative office in Miami, Florida.

Newspaper – N/Avail

FBSEA Banco Votorantim, Sao Paulo, Brazil, to establish a 

representative office in New York, New York.

Newspaper – N/Avail

FBSEA Lloyds TSB Offshore Limited, St. Helier, Jersey, to establish a 

representative office in Miami, Florida.

Newspaper – N/Avail

BRANCH Manufacturers and Traders Trust Company request to open a 

branch office at 640 Johnson Avenue, Suite 102, Hamlet of 

Bohemia, Town of Islip, Suffolk County, New York.

Newspaper – 04/16/2005

INVESTMENT J.P. Morgan International Finance Limited submitted a notice, of 

its intention to make an investment through its wholly owned 

subsidiary J.P. Morgan Securities Asia Private Limited in a 

Japanese securities investment trust.

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

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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, April 9, 2005

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) Univest Corporation of Pennsylvania, Souderton, PA, to 

retain 8.53% ownership of the outstanding stock of New 

Century Bank, Phoenixville, PA.

Newspaper-05/08/2005

Fed Reg – 05/06/2005

3(a)(3) & 4(c)(8) Citizens & Northern Corporation, Wellsboro, PA, to 

acquire Canisteo Valley Corporation, Canisteo, NY.

Newspaper-05/13/2005

Fed Reg – 05/02/2005

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) Parke Bancorp, Inc., Washington Township, NJ, to become 

a bank holding as part of a reorganization of Parke Bank, 

Washington Township, NJ.
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, April 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 5342 

North Hamilton Road, Columbus, OH

Newspaper – 03/04/2005

*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

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

&*Branch

Community Trust Bancorp, Inc., Pikeville, KY, to acquire 

Heritage Community Bank, Danville, KY

Newspaper – 05/06/2005

Fed Reg – 05/02/2005

*3(a)5 Peoples Community Bancorp, Inc., West Chester, OH to acquire 

American State Corporation and its wholly-owned subsidiary 

American State Bank, both of Lawrenceburg, IN.

Newspaper – N/Avail

Fed Reg – 04/07/2005

*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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, April 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch New Peoples Bank, Honaker, Virginia, to establish a branch at 

514 Commerce Drive, Bluefield, Virginia.*

Newspaper – 04/13/2005

Branch Southside Bank, Tappahannock, Virginia, to establish a branch 

at 14833 George Washington Memorial Highway, Glenns, 

Virginia.*

Newspaper – 04/15/2005

*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 Bank of America Rhode Island, N.A., Providence, 

Rhode Island.*

Fed Reg – 05/02/2005 

Newspaper – 04/29/2005

3(a)(3) Premier Community Bankshares, Inc., Winchester, Virginia, 

to acquire 100% of the voting shares of Premier Bank, Inc., 

Martinsburg, Virginia (an organizing bank).*

Fed Reg – 05/02/2005 

Newspaper – 05/02/2005

*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, April 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Capital City Bank, Tallahassee, Florida, to establish a mobile 

branch to operate in Bibb, Houston, Jones, Laurens, and Monroe

Counties in Georgia.*

Newspaper – 04/08/2005

Branch Riverside Bank of the Gulf Coast, Cape Coral, Florida, to 

establish a branch located at 7370 College Parkway, Suite 201, 

Fort Myers, Florida.*

Newspaper – 04/16/2005

*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)(3) Security Bank Corporation, Macon, Georgia, to acquire 100 

percent of the outstanding shares of SouthBank, Woodstock, 

Georgia.*

Newspaper – 05/02/2005

Fed Reg – 04/25/2005

*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

Foreign Trustmark National Bank, Jackson, Mississippi, to establish a 

branch located in George Town, Grand Cayman Islands.
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

680130 Citizens Trust Bank

75 Piedmont Avenue

Atlanta, Georgia 30302

(404) 659-5959

11/08/2004 04/04/2005 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, April 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Cedar Rapids Bank and Trust Company, Cedar Rapids, Iowa, to 

establish a branch facility to be located at 5400 Council Street 

N.E., Cedar Rapids, Iowa.*

Newspaper – 03/16/2005

18C & Branches Village Bank and Trust of Arlington Heights, Arlington Heights, 

Illinois, to merge with First Northwest Bank, Arlington Heights, 

Illinois, and thereby to establish branches at 234 West 

Northwest Highway, Arlington Heights, Illinois, and at 150 East 

Rand Road, Arlington Heights, Illinois.*

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) & 3(a)(1) Capitol Bancorp, Ltd., Lansing, Michigan, to acquire 100 

percent of the voting shares of Capitol Bancorp Colorado 

Limited, Lansing, Michigan, and thereby indirectly acquire Fort 

Collins Commerce Bank (in organization), Fort Collins, 

Colorado, and by Capitol Bancorp Colorado Limited, Lansing, 

Michigan, to become a bank holding company by acquiring 51 

percent of the voting shares of Fort Collins Commerce Bank (in 

organization), Fort Collins, Colorado.*

Fed Reg – 04/26/2005

Newspaper – 04/07/2005

CIC Notice by the Hansen family (Jutta Hansen, DeWitt, Iowa and 

Chris Hansen III, Grand Mound, Iowa individually and as 

trustees of the Chris F. Hansen, Jr. Trust, DeWitt, Iowa; Pamela 

A. Swahn IRA, Granite Bay, California; Pamela A. Swahn, 

Granite Bay, California; Anne H. Fergus, Whitefish Bay, 

Wisconsin; and Melanie K. Boosalis, Long Grove, Iowa) to 

acquire control of 30.66 percent of the common stock of DeWitt 

Bancorp, Inc., DeWitt, Iowa, and thereby indirectly DeWitt 

Bank and Trust Company, DeWitt, Iowa.

Fed Reg – 04/20/2005

Newspaper – N/Avail

3(a)(1) Edgebrook Bancorp, Inc., Chicago, Illinois, to become a bank 

holding company by acquiring 100 percent of the voting shares 

of Edgebrook Bank (in organization), Chicago, Illinois.*

Fed Reg – 04/15/2005

Newspaper – 04/15/2005
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) Family Merchants Bancorporation, Inc., Cedar Rapids, Iowa, to 

become a bank holding company by acquiring 100 percent of 

Family Merchants Bank (in organization), Cedar Rapids, Iowa.*

Fed Reg – 05/06/2005

Newspaper – N/Avail

3(a)(3) Mainsource Financial Group, Inc., Greensburg, Indiana, to 

acquire 100 percent of the voting shares of Madison Bank & 

Trust Company, Madison, Indiana.*

Fed Reg – 05/05/2005

Newspaper – N/Avail

3(a)(3) Peotone Bancorp, Inc., Peotone, Illinois, to acquire up to 20.06 

percent of the voting shares of SouthwestUSA Corporation, Las 

Vegas, Nevada, and thereby indirectly acquire SouthwestUSA 

Bank, Las Vegas, Nevada.*

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

4(c)(8) First Suburban Bancorp Corporation, Maywood, Illinois, 

proposes to acquire 100 percent of Water Street Capital Markets 

LLC, Glendale Heights, Illinois, and thereby to engage in 

securities brokerage activities.

Fed Reg – 05/06/2005

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

2142155 Quad City Bank & Trust Co.

2118 Middle Road

Bettendorf, Iowa 52722

(563) 344-0600

10/18/2004 03/30/2005 S X

365745 TSB Bank

1610 S. Center Street

Marshalltown, Iowa 50158

(641) 752-2393

11/15/2004 04/05/2005 O X

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, April 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C Branch The Citizens Bank, Batesville, Arkansas, to purchase the assets 

and assume the liabilities of the Cave City, Arkansas branch of 

First National Bank & Trust Company, Mountain Home, 

Arkansas, and to retain the acquired facility as a branch office.*

Newspaper – 05/05/2005

* 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

3A1 SouthernTrust Bancshares, Inc., Goreville , Illinois, to become a 

bank holding company by acquiring 100 percent of 

SouthernTrust Bank, Goreville, Illinois (in organization).*

Newspaper – 05/07/2005

Fed Reg – 05/06/2005

CIC Notice by Donald C. Bedell, Sikeston, Missouri, to gain control 

of First Community Bancshares, Inc., Batesville, Arkansas.

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.

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, April 9, 2005

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) Deerwood Bancshares, Inc., Deerwood, Minnesota, to acquire 

100 percent of Northome Bancshares, Inc., Northome, 

Minnesota, and thereby indirectly acquire Northland Community 

Bank, Northome, Minnesota.*

Fed Reg – 04/22/2005

Newspaper – N/Avail

3(a)(1) Rum River Bancorporation, Inc., Milaca, Minnesota to become a 

bank holding company by acquiring 100 percent of the First

National Bank of Milaca, Milaca, Minnesota.*

Fed Reg – 04/21/2005

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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, April 9, 2005

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) Stockgrowers State Bank Employee Stock Ownership Plan, 

Ashland, Kansas, to become a bank holding company through 

the acquisition of an additional 24 percent, for a total of 35 

percent, of the voting shares of Stockgrowers Banc Corporation, 

parent of Stockgrowers State Bank, both of Ashland, Kansas.

Newspaper – 04/24/2005

Fed Reg – 04/25/2005

3(a)(1) Signature Acquisition Company, Inc., Olathe Kansas, to become 

a bank holding company through the acquisition of 100 percent 

of the voting shares of Citizens Agency, Inc., Haddam, Kansas, 

parent of Frontier Bank, Haddam, Kansas, and immediately 

thereafter, to be merged into Signature Bancshares, Inc., Olathe, 

Kansas.

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1) Signature Bancshares, Inc., Olathe, Kansas, to become a bank 

holding company through the acquisition of 100 percent of the 

voting shares of Citizens Agency, Inc., Haddam, Kansas, parent 

of Frontier Bank, Haddam, Kansas.

Newspaper – N/Avail

Fed Reg – N/Avail

CIC Notification by Joel H. Wiens, Cheyenne, Wyoming, to acquire 

control of Union Bank Corporation, parent of Union State Bank, 

both of Upton, Wyoming.

Newspaper – 04/21/2005

Fed Reg – 04/18/2005

CIC Notification by Stephen Sherlock, Lamar, Colorado, individually 

and as trustee for Colorado East Bank & Trust Employee Stock 

Ownership Plan, Lamar, Colorado, to retain control of ColoEast 

Bankshares, Inc., Lamar, Colorado, parent of First National 

Bank of Tribune, Tribune, Kansas, and Colorado East Bank & 

Trust, Lamar, Colorado.

Newspaper – N/Avail

Fed Reg – 04/25/2005
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 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, April 9, 2005

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) Independent Bank Group Central Texas, Inc., McKinney, Texas, 

and CTB Holdings Delaware, Inc., Wilmington, Delaware, to

merge with First FSB Bancshares, Inc., Mount Calm, Texas, and 

indirectly acquire First State Bank, Italy, Texas, and First State 

Bank, Mount Calm, Texas.

(previously reported the week ending April 2, 2005)

Fed Reg – 04/25/2005

Newspaper – 04/30/2005

*3(a)(1) Texas Brand Bancshares, Inc., Garland, Texas, and TBB 

Delaware, Inc., Wilmington, Delaware, to become bank holding 

companies by acquiring 100 percent of Texas Brand Bank, 

Garland, Texas.

Fed Reg – 05/06/2005

Newspaper – 04/30/2005

* 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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, April 9, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Barnes Banking Company, Kaysville, Utah, to establish a branch 

facility at 229 East St. George Boulevard, St. George, Utah.*

Newspaper – 03/25/2005

Branch Nara Bank, Los Angeles, California, to establish a branch 

facility to be located at 10055 Garden Grove Boulevard, Garden 

Grove, California.*

Newspaper – 04/16/2005

* 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 Jason Anis Awad to increase his ownership in 

Business Bank Corporation, Las Vegas, Nevada, and thereby 

indirectly increase his ownership in Business Bank of Nevada, 

Las Vegas, Nevada.*

Newspaper – N/Avail

Fed Reg – 04/27/2005

3(a)(1) Oakland Venture Group, Los Angeles, California, to become a 

bank holding company by acquiring 100 percent of Innovative 

Bancorp and its wholly-owned subsidiary, Innovative Bank, 

both of Oakland, California.*

Newspaper – N/Avail

Fed Reg – 05/02/2005

* 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 ne wspaper 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