Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 31

Week Ending August 3, 2002

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions July 28, 2002 to August 3, 2002 

Bank Holding Companies 

Royal Bank of Canada, Montreal, Canada, and RBC Centura Banks, Inc., Rocky 

Mount, North Carolina -- commenter's request for reconsideration of the Board's 

approval of the application to acquire Eagle Bancshares, Tucker, Georgia, and 

Tucker Federal Bank. 

- Denied, July 30, 2002 

Bank Mergers 

Bank of Orange County, Fountain Valley, California -- to merge with Cerritos Valley 

Bank, Artesia, and thereby establish branches. 

- Approved, July 31, 2002 

Enforcement 

Community First Bank and Trust, Celina, Ohio -- written agreement, dated July 25, 

2002, with the Federal Reserve Bank of Cleveland and the Ohio Division of Financial 

Institutions. 

- Announced, July 29, 2002 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority July 28, 2002 to August 3, 2002 

BS&R 

C&CA 

FOMC 

Banking Supervision and Regulation 

Consumer and Community Affairs 

Federal Open Market Committee 

RBOPS 

IF 

OSDM 

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

Bank Branches, Domestic 

Secretary 

AmSouth Bank, Birmingham, Alabama -- to establish a branch at 280 Dogwood 

Boulevard, Flowood, Mississippi. 

- Approved, July 30, 2002 

Secretary 

AmSouth Bank, Birmingham, Alabama -- to establish branches at 2090 Tamiami Trail 

South, Venice, Florida; 6335 U.S. Highway 19, New Port Richey; 7165 Mariner 

Boulevard, Spring Hill; 2569 Viking Drive, Bossier City, Louisiana; and 7849 Cottage 

Hill Road, Mobile, Alabama. 

- Approved, July 31, 2002 

Kansas City 

Bank of Jackson Hole, Jackson, Wyoming -- to establish a branch at 1425 South 

Highway 89. 

- Approved, August 1, 2002 

Richmond 

NBRS Financial, Rising Sun, Maryland -- to establish a branch at 3535 Conowingo 

Road, Street, Maryland. 

- Approved, July 31, 2002 

Chicago 

North Shore Community Bank & Trust, Wilmette, Illinois -- to establish a branch at 7800 

Lincoln Avenue, Skokie. 

- Approved, August 2, 2002 

San Francisco 

North Valley Bank, Redding, California -- to establish a branch at 2245 Churn Creek 

Road. 

- Approved, July 30, 2002 

(AC) = Addition or Correction Delegated - Page 1 of 7 
H.2 Actions under delegated authority July 28, 2002 to August 3, 2002 

Bank Branches, Domestic 

Secretary 

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 1136 

Washington Street, Columbia, South Carolina. 

- Approved, July 31, 2002 

Atlanta 

Regions Bank, Birmingham, Alabama -- to establish a branch at 7158 Cottage Hill Road, 

Mobile. 

- Approved, July 31, 2002 

Bank Holding Companies 

Richmond 

BB&T Corporation, Winston-Salem, North Carolina -- to acquire Regional Financial 

Corporation, Tallahassee, Florida, and thereby acquire First South Bank. 

- Approved, August 1, 2002 

Atlanta 

The Colonial BancGroup, Inc., Montgomery, Alabama -- to merge with Palm Beach 

National Holding Company, Palm Beach, Florida, and thereby acquire Palm Beach 

National Bank & Trust Company; and for its subsidiary, Colonial Bank, to merge with 

Palm Beach National Bank & Trust Company. 

- Approved, August 2, 2002 

San Francisco 

Delta National Bancorp, Manteca, California -- to purchase a loan from its subsidiary, 

Delta National Bank, and engage de novo in lending activities. 

- Withdrawn, July 29, 2002 

St. Louis 

FCB Financial Services, Inc., Marion, Arkansas -- to become a bank holding company 

through the acquisition of First Community Bank of Eastern Arkansas. 

- Withdrawn, August 2, 2002 

St. Louis 

First Banks, Inc., St. Louis, Missouri -- relief from certain commitments. 

- Granted, July 31, 2002 

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

Bank Holding Companies 

St. Louis 

First Delta Bankshares, Inc., Blytheville, Arkansas -- to acquire Bank of Trumann, 

Trumann. 

- Approved, July 31, 2002 

Atlanta 

First Georgia Holding, Inc., Brunswick, Georgia -- to become a bank holding company 

through the acquisition of First Georgia Bank. 

- Approved, July 30, 2002 

St. Louis 

Great Southern Bancorp, Inc., Springfield, Missouri -- relief from certain commitments. 

- Granted, July 30, 2002 

St. Louis 

Mid-Missouri Bancshares, Inc., Springfield, Missouri -- to acquire shares of Central 

States Bancshares, Inc. and thereby acquire its subsidiary, Webb City Bank, Webb City. 

- Approved, July 29, 2002 

Kansas City 

Nebraska Bankshares, Inc., Farnam, Nebraska -- to retain and acquire shares of 

Stockmens Financial Corporation, Rapid City, South Dakota, parent of Security First 

Bank, Sidney, Nebraska; BW Holdings, Inc., Castle Rock, Colorado; and Bank West. 

- Approved, July 31, 2002 

Dallas 

Prosperity Bancshares, Inc., Houston, Texas -- to merge with Paradigm Bancorporation, 

Inc. and thereby acquire Paradigm Delaware Bancorporation, Inc., Dover, Delaware, 

and Paradigm Bank Texas, Houston, Texas. 

- Approved, July 31, 2002 

Minneapolis 

Richey Bancorporation, Inc., Glendive, Montana -- to acquire shares of Community First 

Bancorp and thereby acquire Community First Bank. 

- Approved, August 2, 2002 

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

Bank Holding Companies 

Dallas 

Union State Holding Company, Wilmington, Delaware -- to become a subsidiary holding 

company of Union State Bancshares, Inc., Killeen, Texas, by acquiring all the shares of 

Union State Bank, Florence. 

- Registration granted, July 30, 2002 

Bank Mergers 

Richmond 

Southern Financial Bank, Warrenton, Virginia -- to merge with Metro-County Bank of 

Virginia, Inc., Mechanicsville, and thereby establish branches. 

- Approved, July 30, 2002 

Banks, State Member 

Kansas City 

First State Bank of Taos, Taos, New Mexico -- to acquire an interest in New Mexico 

Title of Albuquerque, LLC, Albuquerque, a financial subsidiary. 

- Approved, July 31, 2002 

Change In Bank Control 

Minneapolis 

Central Bancshares, Inc., Golden Valley, Minnesota -- change in bank control. 

- Permitted, August 1, 2002 

Minneapolis 

Community First Bancorp, Glendive, Montana -- change in bank control. 

- Permitted, August 2, 2002 

San Francisco 

First Mutual Bancshares, Inc., Bellevue, Washington -- change in bank control. 

- Permitted, July 29, 2002 

Atlanta 

Integrity Bancshares, Inc., Alpharetta, Georgia -- change in bank control. 

- Permitted, August 2, 2002 

(AC) = Addition or Correction Delegated - Page 4 of 7 
H.2 Actions under delegated authority July 28, 2002 to August 3, 2002 

Change In Bank Control 

Chicago 

Princeton/LeClaire Agency, Inc., Princeton, Iowa -- change in bank control. 

- Permitted, August 2, 2002 

Competitive Factors Reports 

St. Louis 

Bank of Monticello, Monticello, Missouri -- report on competitive factors of the 

proposed merger with Interim Monticello Bank. 

- Submitted, July 30, 2002 

Kansas City 

The Citizens National Bank, Greenleaf, Kansas -- report on competitive factors of the 

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

Center branch of Intrust Bank, N.A., Wichita. 

- Submitted, August 2, 2002 

Kansas City 

Farmers State Bank of Nebraska, Bennet, Nebraska -- report on competitive factors of 

the proposed merger with First State Bank of Nebraska, Nebraska City. 

- Submitted, August 1, 2002 

Atlanta 

First State Bank of Blakely, Blakely, Georgia -- report on competitive factors of the 

proposed merger with First State Bank of Donalsonville, Donalsonville. 

- Submitted, July 31, 2002 

Kansas City 

Heritage State Bank, Nevada, Missouri -- report on competitive factors of the proposed 

purchase of certain assets and assumption of certain liabilities of the El Dorado Springs 

branch of Union Planters Bank, N.A., Memphis, Tennessee. 

- Submitted, August 2, 2002 

(AC) = Addition or Correction Delegated - Page 5 of 7 
H.2 Actions under delegated authority July 28, 2002 to August 3, 2002 

Competitive Factors Reports 

Secretary 

The National Bank of Geneva, Geneva, New York -- report on competitive factors of 

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

County Bank, Warsaw, and The Pavilion State Bank, Pavilion. 

- Submitted, July 31, 2002 

Secretary 

R-G Premier Bank of Puerto Rico, San Juan, Puerto Rico -- report on competitive 

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

Citibank, N.A., New York, New York. 

- Submitted, August 1, 2002 

Extensions Of Time 

Director, BS&R 

Citigroup Inc., New York, New York, and Citibank Overseas Investment Corporation, 

New Castle, Delaware -- extension of time to divest or conform certain investments to 

the requirements of Regulation K. 

- Granted, August 1, 2002 

Atlanta 

Regions Bank, Birmingham, Alabama -- extension to August 21, 2003, to establish a 

branch at 3577 Hacks Cross Road, Memphis, Tennessee. 

- Granted, August 2, 2002 

Director, BS&R 

Wells Fargo & Company, San Francisco, California -- extension to September 16, 2002, 

to divest certain branches. 

- Granted, July 31, 2002 

Financial Holding Companies 

Richmond 

First Mariner Bancorp, Baltimore, Maryland -- election to become a financial holding 

company. 

- Effective, July 29, 2002 

(AC) = Addition or Correction Delegated - Page 6 of 7 
H.2 Actions under delegated authority July 28, 2002 to August 3, 2002 

Financial Holding Companies 

Kansas City 

First State Bancorporation, Albuquerque, New Mexico -- election to become a financial 

holding company. 

- Effective, July 30, 2002 

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

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, August 3, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, August 3, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3a3, 18c, Branch HSBC North America Inc., Buffalo, New York, proposes to Newspaper – N/A 

transfer HSBC Bank Canada’s branches, located in Seattle, 

Washington, and Portland Oregon, to HSBC Bank USA, 

Buffalo, New York. 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intended to encourage d epository 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 r egulation 

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, August 3, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, August 3, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c)* Branch* Received application from Sky Bank, Salineville, OH to merge with 08/11/2002 

The Three Rivers Bank and Trust, Jefferson Borough, PA and 

incident thereto establish branch facilities. 

* Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

3(A)(5)* Application by Sky Financial Group, Inc., Bowling Green, OH to 

acquire up to 19.00 percent of the outstanding voting shares of 

NSD Bancorp, Inc,. Pittsburgh, PA. 

Newspaper – 08/11/2002 

Fed Reg – 08/19/2002 

3(A)(5)* Application by Sky Financial Group, Inc., Bowling Green, OH to 

acquire the outstanding voting shares of Three Rivers Bancorp, 

Monroeville, PA. 

Newspaper – 08/11/2002 

Fed Reg – 08/19/2002 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

in May 1995. 

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

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

facilities. 

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

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

CRA: 

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 5 

Federal Reserve Bank of Richmond 

Applications and notifications filed during the week ending August 3, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

3A1 Citizens Community Bank, South Hill, Virginia, to establish a 8/16/2002 

branch at 4209 Gasburg Road, Gasburg, Virginia.* 

* Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

3(a)(1) Guaranty Financial Services, Inc., Huntington, West Fed Reg - 8/30/2002 

Virginia, to become a bank holding company through Newspaper - 9/10/2002 

the acquisition of 100% of the voting shares of Guaranty 

Bank & Trust Company, Huntington, West Virginia.* 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

Member Highlands Community Bank, Covington, Virginia, (in 

organization) for membership in the Federal Reserve System.* 

* Subject to the provisions of the Community Reinvestment Act 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

The CRA requires that each depository institution's record in helping meet the cre dit 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 R eserve 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 ex amined and their CRA public evaluations are now available. 

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

550327 Northern Neck State Bank 05/13/2002 08/01/2002 O X 

5839 Richmond Road 

Warsaw, Virginia 22572 

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, August 3, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Colonial Bank, Montgomery, Alabama, to establish a branch 

located at 15285 Collier Boulevard, Naples, Florida. 

8/10/2002*

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

located at 100 Park Place Boulevard, Kissimmee, Florida. 

8/04/2002*

*Subject to provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

3(a)(1) Generations Bancshares, Inc., Blairsville, Georgia, to become a 

bank holding company by acquiring Generations Bank, 

Blairsville, Georgia (in organization). 

Newspaper – 8/23/2002* 

Fed Reg – 8/30/2002 

CIC Southern Bancorp, Inc., Marietta, Georgia, after-the-fact change 

in control notice by Southern Bancorp, Inc. Employee Stock 

Ownership Plan With 401K Provisions, Marietta, Georgia, to 

retain 19.49 percent of the outstanding shares of Southern 

Bancorp, Inc., Marietta, Georgia, and commitment waiver 

request by Southern Bancorp, Inc., Marietta, Georgia, to not 

incur debt. 

Newspaper – N/Avail 

Fed Reg – 8/14/2002 

*Subject to provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

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

Type Application 

COM Community First, Inc., Columbia, Tennessee, request for waiver 

of the commitment to not incur debt. 

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 implem ented 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 i n 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 institutio n's performance under CRA: 

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, August 3, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18C & Branches Johnson Bank, Racine, Wisconsin, to merge with Capital Bank, 

Green Bay, Wisconsin and thereby to establish branches at 455 

Riverdale Drive, Green Bay, Wisconsin and 840 Main Avenue, 

DePere, Wisconsin. 

Newspaper – N/Avail 

18C & Branches Salin Bank & Trust Company, Indianapolis, Indiana, to merge 

with Blue River Federal Savings Bank, Edinburg, Indiana and 

thereby to establish branches.* 

Newspaper – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

3(a)(3) Bement Bancshares, Inc., Bement, Illinois, to acquire 100 

percent of CGB&L Financial Group, Inc., Cerro Gordo, Illinois 

and thereby indirectly acqui re Cerro Gordo Building and Loan, 

s.b., Cerro Gordo, Illinois.* 

3(a)(3) Oswego Community Bank Employee Stock Ownership Plan, 

Oswego, Illinois, to acquire additional shares and increase its 

ownership from 32.52 percent to 51 percent of the voting shares 

of Oswego Bancshares, Inc., Oswego, Illinois, and thereby to 

indirectly acquire additional voting shares of Oswego 

Community Bank, Oswego, Illinois.* 

4(c)(8) Southwest Company, Oakland, Iowa, to retain 100 percent 

ownership of Fremont County Savings Bank, Sidney, Iowa, 

following its conversion from a state-chartered bank to a federal 

savings association, and thereby operate a savings association.* 

Fed Reg – 08/29/2002 

Newspaper – N/Avail 

Fed Reg – 08/29/2002 

Newspaper – N/Avail 

Fed Reg. – 08/22/2002 

Newspaper – N/Avail 

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

Ending date of 

Type Application comment period 

None 

Section IV – Applications not subject to Federal Register or 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 o perate, 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 dir ectly from the institution or Reserve Bank. 

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

2519001 Michigan Heritage Bank 

28300 Orchard Lake Road 

Farmington Hills, Michigan 48334 

(248) 538-2525 

1356683 Midwest Guaranty Bank 

201 W. Beaver Road 

Troy, Michigan 48007-7091 

(248) 689-1200 

614340 CSB Bank 

206 N. Main Street 

Capac, Michigan 48014 

(810) 395-4313 

04/01/2002 07/29/2002 S X 

03/25/2002 08/01/2002 S X 

03/11/2002 08/02/2002 S 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, August 3, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

3A3 Linn Holding Company, Linn, Missouri, to acquire 100 percent 

of the voting shares of South Gasconade Investment 

Corporation, Owensville, Missouri, and thereby indirectly 

acquire Charter 1 Bank, Owensville, Missouri.* 

3A3 Planters Financial Group, Inc., Hopkinsville, Kentucky, to 

acquire 100 percent of the voting shares of City State Bank, 

Martin, Tennessee.* 

3A3 Rockhold BanCorp., Kirksville, Missouri, to acquire 8 percent 

of La Plata Bancshares, Inc., La Plata, Missouri, and thereby 

indirectly acquire La Plata State Bank, La Plata, Missouri. 

(Previously submitted during the week ending July 20, 2002)* 

Ending date of 

comment period 

Newspaper – 08/26/2002 

Fed Reg – 09/03/2002 

Newspaper – 08/29/2002 

Fed Reg – 09/03/2002 

Newspaper – 08/30/2002 

Fed Reg – 08/19/2002 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

COM First Banks, Inc., St. Louis, Missouri, requests temporary relief 

from certain passivity commitments. 
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 entir e 

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 p ublic evaluations are now available. 

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, August 3, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) & Branch Cornerstone State Bank, Le Sueur, Minnesota, to purchase the N/Avail 

assets and assume the deposit liabilities of the Belle Plaine and 

Green Isle, Minnesota, branches of the First National Bank of 

the North, Sandstone, Minnesota, and incident thereto establish 

branches in those locations.* 

*Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

CIC Kenneth D. and Suzanne M. Roeder, De Smet, South Dakota to 

gain control of Kingsbury Bank Holding Company, De Smet, 

South, and thereby indirectly gain control of Peoples State Bank, 

De Smet, South Dakota. 

CIC Marcelle McVay, Chicago, Illinois, to retain control of 

Minnwest Corporation, Montevideo, Minnesota, and thereby 

indirectly retain control of Minnwest Bank Luverne, Luverne, 

Minnesota; Minnwest Bank Central, Montevideo, Minnesota; 

Minnwest Bank Ortonville, Ortonville, Minn esota; Minnwest 

Bank, M.V., Redwood Falls, Minnesota; Minnwest Bank South, 

Tracy, Minnesota; and Minnwest Bank Sioux Falls, Sioux Falls, 

South Dakota. 

CIC Jerry E. Gerber, Rice Lake, Wisconsin; Terry G. Gerber, 

Cameron, Wisconsin; Susan J. Gerber, Blaine, Minnesota; 

Ernest J. Gerber, Bruce, Wisconsin; Alan F. Gerber, Radisson, 

Wisconsin; Kathleen L. Gerber, Quincy, Massachusetts; and 

Holly A. Barnes, Hayward, Wisconsin, to gain control of Old 

Murry Bancorp, Inc., Cameron, Wisconsin, and thereby 

indirectly gain control of Owen -Curtiss Financial Corporation, 

Rice Lake, Wisconsin, which owns Brill Bancshares, Inc., Rice 

Lake, Wisconsin, and its subsidiary bank, Brill State Bank, Rice 

Lake, Wisconsin, and Gilman Corporation, Gilman, Wisconsin, 

which owns the State Bank of Gilman, Gilman, Wisconsin 

Fed Reg – 08/23/2002 

Newspaper – N/avail 

Fed Reg – 08/23/2002 

Newspaper – N/avail 

Fed Reg – 08/23/2002 

Newspaper – N/avail 

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

Ending date of 

Type Application comment period 

None 

Section IV – Applications not subject to Federal Register or 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 Regula tion 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 performan ce under CRA: 

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

258351 The Peninsula Bank of Ishpeming, 04/15/2002 07/30/2002 S X Ishpeming, Michigan 

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, August 3, 2002 

Section I – Applications subject to newspaper notice only 

Type Application 

Branch Bank of Jackson Hole, Jackson, Wyoming, to establish a branch 

at 1425 South Highway 89, Jackson, Wyoming. 

18(c) Gold Bank, Leawood, Kansas, to purchase certain assets and 

assume certain liabilities of the following branches of Encore 

Bank, Houston, Texas, a Savings and Loan Association: 6000 

Mission Road, Fairway, Kansas; 9529 Antioch Road, Overland 

Park, Kansas; 12080 Blue Valley Parkway, Overland Park, 

Kansas; and 7500 State Line Road, Prairie Village, Kansas. 

Ending date of 

comment period 

Newspaper - 07/12/2002 

Newspaper - 08/28/2002 

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

Type Application 

Ending date of 

comment period 

3(a)(3) Lauritzen Corporation, Inc., Omaha, Nebraska, to acquire an 

additional 4.1 percent, for a total of 28 percent of the voting 

shares of First National of Nebraska, Inc., Omaha, Nebraska, 

parent of First National Bank of Omaha, Omaha, Nebraska. 

Newspaper - N/Available 

Fed Reg - 08/29/2002 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is intende d 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 instituti on's application 

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

440352 Union Colony Bank 

1701 23rd Avenue 

04/22/2002 08/02/2002 O X 

Greeley, Colorado 80634 

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, August 3, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch PNB Financial Bank, Lubbock, TX, to establish a mobile branch 08/16/2002 

office to provide deposit related services in its market areas 

including the contiguous Texas counties of Collin, Dallas, and 

Denton* 

*Subject to the provisions of the Community Reinvestme nt Act 

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

Ending date of 

Type Application comment period 

3(a)(1) ISB Holdings, Inc., Perryton, TX, to acquire ISB Delaware 

Holdings, Inc., Wilmington, DE, and Interstate Bank, SSB, 

Perryton, TX* 

Fed Reg – 08/23/2002 

Newspaper – 08/27/2002 

3(a)(1) ISB Delaware Holdings, Inc., Wilmington, DE, to acquire 

Interstate Bank, SSB, Perryton, TX* 

Fed Reg – 08/23/2002 

Newspaper – 08/27/2002 

*Subject to the provisions of the Communit y Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

2942823 United Bank of El Paso del Norte 05/06/2002 08/05/2002 S X 

125 Mesa Hills Drive 

El Paso, Texas 79912 

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, August 3, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

5d3 Bank of Hawaii, Honolulu, Hawaii, to merge with First Savings And Newspaper – 07/28/2002 

Loan Association of America, Dededo, Guam.* 

* Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

revised in May 1995. 

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

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

facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None