Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 47

Week Ending November 22, 2003

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions November 16, 2003 to November 22, 2003

Testimony And Statements

U.S. Tax Shelter Industry: The Role of Accountants, Lawyers, and Financial 

Professionals -- statement by Richard Spillenkothen, Director, Division of Banking 

Supervision and Regulation, before the Senate Permanent Subcommittee on Investigations.

- Published, November 20, 2003 

Bank Holding Companies

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania, and PNC Bancorp, 

Inc. -- to acquire United National Bancorp, Bridgewater, New Jersey, and thereby 

acquire its wholly owned subsidiary bank, UnitedTrust Bank.

- Approved, November 19, 2003 

Shinhan Financial Group Co., Ltd., Seoul, Korea -- to become a bank holding company 

through the acquisition of shares of Chohung Bank and the indirect acquisition of CHB 

America Bank, New York, New York.

- Approved, November 19, 2003 

Financial Holding Companies

Den norske Bank ASA, Oslo, Norway, and DnB Holding ASA -- elections to be treated 

as financial holding companies.

- Effective, November 20, 2003 

Enforcement

Mellon Bank, N.A., Pittsburgh, Pennsylvania -- issuance of a final decision and order of 

prohibition against Garfield C. Brown, Jr., a former employee.

- Approved, November 20, 2003 

(AC) = Addition or Correction Board - Page 1 of 1
November 16, 2003 to November 22, 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

Regions Bank, Birmingham, Alabama -- to establish a branch at 877 Military Cutoff 

Road, Wilmington, North Carolina.

- Approved, November 18, 2003 

Atlanta

Regions Bank, Birmingham, Alabama -- to establish a branch at the west side of Highway 

181, 1/5 mile north of Interstate 10, Daphne.

- Approved, November 18, 2003 

Atlanta

Regions Bank, Birmingham, Alabama -- to establish a branch at the southwest corner of 

Debbie Lane and Highway 287, Mansfield, Texas.

- Approved, November 21, 2003 

Atlanta

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 7323 Park 

Boulevard, Pinellas Park, Florida.

- Approved, November 18, 2003 

Atlanta

State Bank of La Crosse, La Crosse, Wisconsin -- to establish a branch at 108 West 

82nd Street, Marshfield.

- Approved, November 18, 2003 

Minneapolis

SunTrust Bank, Atlanta, Georgia -- to establish branches at 4166 Buford Highway; 1760 

East-West Connector, Smyrna; and 4105 Old Milton Parkway, Alpharetta.

- Approved, November 18, 2003 

Secretary

Tennessee State Bank, Pigeon Forge, Tennessee -- to establish a branch at 939 Dolly 

Parton Parkway, Sevierville.

- Approved, November 20, 2003 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority November 16, 2003 to November 22, 2003

Bank Branches, Domestic

TexasBank, Fort Worth, Texas -- to establish a branch at 2200 West Southlake 

Boulevard, Southlake.

- Approved, November 19, 2003 

Dallas

Bank Holding Companies

CB Bancorp, Inc., Conway, Arkansas -- to engage in brokerage services through the 

acquisition of Community Financial Group, Inc., Cabot, and its subsidiary, Community 

Financial Solutions.

- Approved, November 21, 2003 

St. Louis

CNLBancshares, Inc., Orlando, Florida -- commitment waiver request.

- Withdrawn, November 19, 2003 

Atlanta

First Community Capital Corporation, Houston, Texas, and First Community Capital 

Corporation of Delaware, Inc., Wilmington, Delaware -- to acquire Grimes County 

Capital Corporation, Houston, Texas, and indirectly acquire Community State Bank.

- Approved, November 19, 2003 

Dallas

Floridian Community Holdings, Inc., Davie, Florida -- to become a bank holding 

company through the acquisition of Floridian Community Bank, Inc.

- Withdrawn, November 18, 2003 

Atlanta

FNBG Bancshares, Inc., Duluth, Georgia -- to become a bank holding company through 

the acquisition of First National Bank of Gwinnett.

- Approved, November 21, 2003 

Atlanta

Freedom Bancshares of Southern Missouri, Inc., Cassville, Missouri -- to become a bank 

holding company through the acquisition of Freedom Bank of Southern Missouri.

- Approved, November 18, 2003 

St. Louis

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority November 16, 2003 to November 22, 2003

Bank Holding Companies

Home Bancshares, Inc., Conway, Arkansas, and TCBancorp, Inc., North Little Rock -- 

to acquire shares of CB Bancorp, Inc., Conway, and indirectly acquire Community 

Financial Group, Inc., Cabot, and its subsidiary, Community Bank; and for CB Bancorp, 

Inc. to become a bank holding company through the acquisition of Community Financial 

Group, Inc. and its subsidiary, Community Bank.

- Approved, November 21, 2003 

St. Louis

Humboldt Bancorp, Roseville, California -- to merge with California Independent 

Bancorp, Yuba City, and thereby acquire Feather River State Bank.

- Approved, November 18, 2003 

San Francisco

Northern States Financial Corporation, Waukegan, Illinois -- to acquire Round Lake 

Bankcorp, Inc., Round Lake, and thereby acquire First State Bank of Round Lake, 

Round Lake Beach.

- Approved, November 18, 2003 

Chicago

Northern Trust Corporation, Chicago, Illinois -- to engage indirectly through Northern 

Trust Global Advisors, Inc., Stamford, Connecticut, in serving as an investment advisor.

- Withdrawn, November 21, 2003 

Chicago

Sumitomo Mitsui Banking Corporation, Tokyo, Japan -- relief from certain commitments.

- Granted, November 21, 2003 

Director, BS&R

Bank Mergers

The Bank of Commerce, Wetumka, Oklahoma -- to merge with Weleetka State Bank, 

Weleetka, and operate a branch at the existing location.

- Approved, November 18, 2003 

Secretary

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority November 16, 2003 to November 22, 2003

Bank Mergers

Sky Bank, Salineville, Ohio -- to merge with Great Lakes Bank, Mentor.

- Approved, November 20, 2003 

Cleveland

Banks, Foreign

SAS Rue la Boetie, Paris, France, and Credit Agricole S.A. -- commenter's request to 

extend the comment period on the application to retain certain U.S. subsidiaries of Credit 

Lyonnais.

- Denied, November 18, 2003 

Secretary

Banks, State Member

The Missouri Bank, Warrenton, Missouri -- to expand its banking powers by exercising 

limited trust powers as trustee on a municipal bond issue.

- Approved, November 20, 2003 

St. Louis

Change In Bank Control

First Medicine Lodge Bancshares, Inc., Overland Park, Kansas -- change in bank 

control.

- Permitted, November 17, 2003 

Kansas City

Texico Bancshares Corporation, Texico, Illinois. -- change in bank control.

- Withdrawn, November 21, 2003 

St. Louis

Competitive Factors Reports

Atlantic Bank of New York, New York, New York -- report on competitive factors of 

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

Allied Irish Banks, p.l.c.

- Submitted, November 12, 2003 (AC)

Secretary

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority November 16, 2003 to November 22, 2003

Competitive Factors Reports

Crews Banking Corporation, Wauchula, Florida -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of Englewood Bank, Englewood.

- Submitted, November 12, 2003 (AC)

Atlanta

First Financial Bank, National Association, Terre Haute, Indiana -- report on competitive 

factors of the proposed merger with First Citizens State Bank, Newport; First Parke 

State Bank, Rockville; First State Bank, Brazil; First Farmers State Bank, Sullivan; First 

Crawford State Bank, Robinson, Illinois; First Community Bank, National Association, 

Olney; and First National Bank of Marshall, Marshall.

- Submitted, November 20, 2003 

Chicago

The First National Bank of Berwick, Berwick, Pennsylvania -- report on competitive 

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

the Danville branch of First Federal Bank, Hazleton.

- Submitted, November 18, 2003 

Philadelphia

Humboldt Bank, Eureka, California -- report on competitive factors of the proposed 

merger with Feather River State Bank, Yuba City.

- Submitted, November 18, 2003 

San Francisco

Mid-Peninsula Bank, Palo Alto, California -- report on competitive factors of the 

proposed merger with Bank of Santa Clara, Bay Area Bank, San Jose National Bank, 

Bay Bank of Commerce, Golden Gate Bank, Bank of Petaluma, Cupertino National 

Bank, Mt. Diablo National Bank, Peninsula Bank of Commerce, and Coast Commercial 

Bank, all in California.

- Submitted, November 18, 2003 

San Francisco

PeoplesTrust Bank, Hamilton, Alabama -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of the branch of Community Spirit Bank, 

Red Bay, at 34888 Highway 43 South, Hackleburg.

- Submitted, November 12, 2003 (AC)

Atlanta

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority November 16, 2003 to November 22, 2003

Competitive Factors Reports

The Plainville State Bank, Plainville, Kansas -- report on competitive factors of the 

proposed merger with Farmers National Bank, Lincoln.

- Submitted, November 21, 2003 

Kansas City

The Plainville State Bank, Plainville, Kansas -- report on competitive factors of the 

proposed purchase of certain assets and assumption of certain liabilities of Beverly State 

Bank, Beverly.

- Submitted, November 21, 2003 

Kansas City

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

with Worthington Bancorporation.

- Submitted, November 20, 2003 

Chicago

Westport National Bank, Westport, Connecticut -- report on competitive factors of the 

proposed merger with Westport National Bank.

- Submitted, November 19, 2003 

New York

Extensions Of Time

Citizens Bancshares, Inc., ESOP, Edmond, Oklahoma -- extension to February 19, 

2004, to acquire shares of Citizens Bancshares, Inc., and thereby acquire Citizens Bank 

of Edmond.

- Granted, November 20, 2003 

Kansas City

Oswego Community Bank Employees Stock Ownership Plan, Oswego, Illinois -- 

extension to February 22, 2004, to increase its ownership of Oswego Bancshares, Inc., 

and thereby acquire Oswego Community Bank.

- Granted, November 18, 2003 

Chicago

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority November 16, 2003 to November 22, 2003

Extensions Of Time

Rio Financial Services, Inc., McAllen, Texas, and Rio Delaware Corporation, 

Wilmington, Delaware -- extension to January 30, 2004, to become bank holding 

companies through the acquisition of Rio Bank, McAllen.

- Granted, November 19, 2003 

Dallas

Financial Holding Companies

HBOS Treasury Services plc, London, United Kingdom -- election to be treated as a 

financial holding company effective as of the date it establishes its New York branch.

- Effective, November 18, 2003 

Director, BS&R

The Northern Trust Company, Chicago, Illinois -- election to become a financial holding 

company.

- Effective, November 20, 2003 

Secretary

Membership

1st United Bank, North Palm Beach, Florida -- to become a member of the Federal 

Reserve System.

- Approved, November 21, 2003 

Secretary

Great Lakes Bank, Mentor, Ohio -- to become a member of the Federal Reserve System 

on changing its name to Sky Bank and moving its headquarters to Salineville.

- Approved, November 20, 2003 

Cleveland

Marco Community Bank, Marco Island, Florida -- to become a member of the Federal 

Reserve System.

- Approved, November 21, 2003 

Atlanta

(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, November 22, 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 – 12/04/2003

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 – 12/19/2003

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 – 12/19/2003

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

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, November 22, 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 Barry M. Snyder to acquire shares of Great Lake Bancorp, Inc., 

Buffalo, New York.

Newspaper – 11/24/2003

Fed Reg 11/28/2003

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4C8 Bayerische Hypo_und Vereinsbank AG, Munich, Germany and 

Munchener Ruckversicherungs-Gesellschaft AG, Munich, 

Germany, to engage in the following activities through their 

non-controlling investment (currently 7.258%) in Identrus, LLC, 

a Delaware limited liability company, following the acquisition 

by Identrus of eFinance Corporation, San Francisco, California.

Fed Reg – 12/09/2003

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

Chemung Canal Trust Company One Chemung Canal Plaza, P.O. Box 1522, Elmira, New 

York 14902

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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, November 22, 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 1

st Quarter of 2004

Institution Location

Premier Bank

American Bank 

Doylestown, PA

Allentown, PA
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, November 22, 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 a 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

2190521 ShoreBank, Cleveland

540 East 105th Street

Cleveland, Ohio 44108

08/25/2003 11/18/2003 O X

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 22, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Frederick County Bank, Frederick, Maryland, to establish a 

branch at 200 Commerce Drive, Walkersville, Maryland.*

Newspaper – 12/01/2003

*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 – 12/19/2003

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

merge with FleetBoston Financial Corporation, Boston, 

Massachusetts.*

Fed Reg – 12/15/2003 

Newspaper – 12/19/2003

*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

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

2742153 First Capital Bank

4101 Dominion Boulevard

Glen Allen, Virginia 23060

09/02/2003 11/21/2003 S X

2705121 Potomac Bank of Virginia

9910 Main Street

Fairfax, Virginia 22031

09/08/2003 11/21/2003 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 22, 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 1522 Cape Coral Parkway West, Cape Coral, Florida, 

to be known as the Chiquita Branch.*

Newspaper-11/28/2003

*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-12/08/2003

Fed Reg-12/05/2003

3(a)(3) Citizens Banking Corporation, Frostproof, Florida, to acquire 

12.63 percent of the outstanding shares of American Banking 

Corporation, Lake Wales, Florida.*

Newspaper-N/Avail 

Fed Reg-N/Avail

3(a)(3) Crews Banking Corporation, Wauchula, Florida, to merge with 

DeSoto Banking Corp., and thereby acquire its subsidiary, The 

First State Bank of Arcadia, both of Arcadia, Florida.*

Newspaper-11/17/2003

Fed Reg-11/17/2003

3(a)(5) Crews Banking Corporation, Wauchula, Florida, to acquire 100 

percent of the outstanding shares of Englewood Acquisition 

Bank, Englewood, Florida, changing its name to Englewood 

Bank upon consummation.*

Newspaper-11/17/2003

Fed Reg-11/17/2003

CIC Phenix-Girard Bancshares, Inc., Phenix City, Alabama, afterthe-fact notification filed by the John M. Dudley, Sr. Irrevocable 

Family Trust, John M. Dudley, Jr., and Leslie Green, as trustees, 

to retain 99.99 percent of the outstanding shares of PhenixGirard Bancshares, Inc., and its subsidiary, Phenix-Girard Bank, 

both of Phenix City, Alabama.

Newspaper-N/Avail 

Fed Reg-12/10/2003

3(a)(1) Sterling BancGroup, Inc., Lantana, Florida, to acquire Sterling 

Bank, F.S.B., Lantana, Florida.*

Newspaper-12/04/2003

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

Type Application

Ending date of

comment period

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

Peoples Florida Banking Corporation, and thereby acquire 

Peoples Bank, both of Palm Harbor, Florida.*

Newspaper-N/Avail 

Fed Reg-11/24/2003

3(a)(3) Synovus Financial Corp., Columbus, Georgia, to acquire 100 

percent of the outstanding shares of Synovus Bank of 

Jacksonville, Florida (in organization).*

Newspaper-N/Avail 

Fed Reg-N/Avail

*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 PSB BancGroup, Inc., Lake City, Florida, commitment waiver 

request.

COM Vision Bancshares, Inc., Gulf Shores, Alabama, 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

817833 SouthTrust Bank

420 North 20th Street

Birmingham, Alabama 35203

(334) 254-5000

05/05/2003 11/19/2003 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, November 22, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Sand Ridge Bank, Highland, Indiana, to establish a branch 

facility to be located at the northwest corner of County Road 350 

South and Concord Road, Lafayette, Indiana.*

Newspaper – 11/19/2003

* 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 Floyd H. Garrott, Battle Ground, Indiana, individually 

and as trustee of the John F. Garrott Trust, to retain 34.8 percent 

of the voting shares of The Farmers State Bank, Brookston, 

Indiana.

Fed Reg – 12/10/2003

Newspaper – 12/07/2003

CIC Notice by the Norman Wirkler, Carbondale, Colorado, to control 

33.90 percent and by the Wirkler Family (Norman Wirkler, 

Carbondale, CO; Mary Wirkler, Colorado Springs, CO; Helen 

Wirkler, Dallas, TX; and Loma Mowat, Burr Ridge, IL) to gain 

control of 39.52 percent of Garnavillo Bank Corporation, 

Garnavillo, Iowa and thereby indirectly gain control of 

Garnavillo Savings Bank, Garnavillo, Iowa.

Fed Reg – N/Avail

Newspaper – N/Avail

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 – 12/19/2003

Newspaper – 12/15/2003
Section II – Applications subject to both newspaper and Federal Register notice

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 – 12/03/2003

3(a)(1) Valley Financial Group, Ltd., Saginaw, Michigan, to become a 

bank holding company through the acquisition of 100 percent of 

the voting shares of 1st State Bank (in organization), Saginaw, 

Michigan. *

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notice by J P Family Limited Partnership, to acquire 34.79 

percent of the voting shares of Will Bancorp, Inc., Williamsville , 

Illinois, and thereby indirectly acquire Williamsville State Bank 

and Trust, Williamsville, Illinois.

Fed Reg – N/Avail

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

667832 State Bank of Arthur

411 S. Vine Street

Arthur, Illinois 61911

(217) 543-2111

06/23/2003 11/18/2003 S X

2687133 Premier Bank

1975 John F. Kennedy Drive

Dubuque, Iowa 52004

(563) 588-1000

07/21/2003 11/17/2003 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, November 22, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Arvest Bank, Fayetteville, Arkansas, to establish a branch 

facility to be located at 1900 South Douglas Boulevard, Midwest 

City, Oklahoma.*

Newspaper – 11/28/2003

* 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 Wafik William Malek, Manchester, Missouri, to retain 

control of Gateway Bancshares, Inc., St. Louis, Missouri. 

(Previously submitted during the week ending September 13, 

2003.)

Newspaper – 09/30/2003

Fed Reg – 12/09/2003

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

Other Simmons First Bank of Russellville, Russellville, Arkansas, 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

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, November 22, 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 – 11/23/2003

CIC Change in control notice by Kent Evans Nyberg as trustee Grand 

Rapids, Minnesota to acquire control of First National, Agency 

Company of Deer River, Deer River, Minnesota, and thereby 

indirectly acquire control of First National Bank of Deer River, 

Deer River, Minnesota.

Fed Reg – 12/10/2003 

Newspaper – N/Avail

3(a)(1) Gateway Bancorporation, Minneapolis, Minnesota, to become a 

bank holding company by acquiring 100 percent of Gateway 

Bank, Mendota Heights, Minnesota, a de novo bank.

Fed Reg – 12/19/2003 

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

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, November 22, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Pinnacle Bank, Papillion, Nebraska, to establish a branch at 

20304 Veterans Drive, Elkhorn, Nebraska.

Newspaper - 11/22/2003

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

Type Application

Ending date of

comment period

3(a)(1) Thunder Bancorp, Inc., Sylvan Grove, Kansas, to become a bank 

holding company through the acquisition of 100 percent of the 

voting shares of Beverly State Bank, Beverly, Kansas (to be 

renamed Thunder Bank, Sylvan Grove, Kansas).

Newspaper - 12/06/2003

Fed Reg - 12/19/2003

4(c)(8) Thunder Bancorp, Inc., Sylvan Grove, Kansas, to engage in 

insurance activities through the acquisition of Sylvan Agency, 

Inc., Sylvan Grove, Kansas.

Newspaper - 12/06/2003

Fed Reg - 12/19/2003

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

Membership Beverly State Bank, Beverly, Kansas (to be renamed Thunder 

Bank, Sylvan Grove, Kansas), to become a member of the 

Federal Reserve System.
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, November 22, 2003

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Citizens Bank, Slaton, TX, to establish a branch at 6602 Quaker 

Avenue, Lubbock, TX 79414*

Newspaper – 12/05/2003

* 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)(1) DCB Financial Corporation, Dallas, TX, and DCB Delaware 

Financial Corporation, Wilmington, DE, to acquire Dallas City 

Bank, Dallas, TX (de novo)* (previously reported the week 

ending November 15, 2003)

Fed Reg – 12/15/2003

Newspaper – 12/07/2003

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

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

reported the week ending November 15, 2003)

Fed Reg – 12/15/2003

Newspaper – 12/07/2003

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

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

Bank, NA, Dallas, TX (de novo)* (previously reported the week 

ending November 15, 2003)

Fed Reg – 12/15/2003

Newspaper – 12/14/2003

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

acquire Professional Bank, NA, Dallas, TX (de novo)*

(previously reported the week ending November 15, 2003)

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

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, November 22, 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

MIRA Castle Creek Capital LLC, Rancho Santa Fe, California, for 

John M. Eggemeyer to form a director/management interlock 

with TCF Financial Corporation, Wayzata, Minnesota.
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