H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 32 

Week Ending August 6, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions July 31, 2005 to August 6, 2005 

Bank Holding Companies 

iTeam Companies, Inc., Brookfield, Wisconsin -- to become a bank holding 

company and to acquire Bank of Kenney, Kenney, Illinois, and to engage in data 

processing activities through its subsidiary, iStream Imaging, Inc., Brookfield, 

Wisconsin. 

- Approved, August 3, 2005 

Regulations And Policies 

One-Year Post-employment Restrictions for Senior Examiners -- publication for 

comment of an interagency rule implementing the special post-employment 

restrictions of the Intelligence Reform and Terrorism Prevention Act of 2004 

(Docket No. R-1230). 

- Approved, July 22, 2005 (AC) 

Enforcement 

Credit Lyonnais, S.A., Paris, France -- request by Dominique Bazy for interlocutory 

review of an order denying his claim of privilege in the enforcement proceedings 

involving Credit Lyonnais. 

- Denied, August 4, 2005 

Montana State Bank, Plentywood, Montana -- issuance of a cease and desist order 

and order of assessment of a civil money penalty against Frank French, a former 

institution-affiliated party. 

- Announced, August 1, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority July 31, 2005 to August 6, 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 

Kansas City 

Adams Bank & Trust, Ogallala, Nebraska -- to establish a branch at 7700 South 

College Avenue, Fort Collins, Colorado. 

- Approved, August 1, 2005 

St. Louis 

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 3514 Southeast 14th 

Street, Bentonville. 

- Approved, August 1, 2005 

Chicago 

Byron Bank, Byron Center, Michigan -- to establish a branch at Superior Street and 

Reno Drive, Wayland. 

- Approved, August 2, 2005 

Richmond 

Cecil Federal Bank, Elkton, Maryland -- to establish a branch at 3 West Bel Air 

Avenue, Aberdeen. 

- Approved, August 4, 2005 

Richmond 

Congressional Bank, Potomac, Maryland -- to establish a branch at 2101 K Street, 

Washington, D.C. 

- Approved, August 4, 2005 

Richmond 

Congressional Bank, Potomac, Maryland -- to establish a branch at 1800 Michael 

Faraday Drive, Reston, Virginia. 

- Approved, August 4, 2005 

Cleveland 

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 102 Lakeview Drive, 

Cross Lanes, West Virginia. 

- Approved, August 5, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 7 
H.2 Actions under delegated authority July 31, 2005 to August 6, 2005 

Bank Branches, Domestic 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 3120 South 

Boulevard, Bloomfield Hills. 

- Approved, August 5, 2005 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 6615 Highland 

Road, White Lake. 

- Approved, August 5, 2005 

St. Louis 

First Bank, St. Louis, Missouri -- to establish a branch at 24 East 4th Street, San 

Mateo, California. 

- Approved, August 5, 2005 

Cleveland 

Heartland Bank, Gahanna, Ohio -- to establish a branch at Friendship Village, 6000 

Riverside Drive, Dublin. 

- Approved, August 5, 2005 

Chicago 

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish a branch at 

Highway 55 and Vicksburg Lane, Plymouth, Minnesota. 

- Approved, August 4, 2005 

Boston 

Northeast Bank, Auburn, Maine -- to establish a branch at 500 Canal Street, 

Lewiston. 

- Approved, August 3, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 1040 Malabar Road, 

Southeast, Palm Bay, Florida. 

- Approved, August 4, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 7 
H.2 Actions under delegated authority July 31, 2005 to August 6, 2005 

Bank Branches, Domestic 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish branches at 1605 Lakewood Ranch 

Boulevard, Bradenton, Florida, and 13568 Summerport Village Parkway, Orlando. 

- Approved, August 4, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 101 Curtis Parkway, 

Miami Springs, Florida. 

- Approved, August 5, 2005 

Bank Holding Companies 

New York 

Banco Do Brasil S.A., Brasilia, Brazil -- for its subsidiary, Banco do Brasil 

Securities LLC, New York, New York, to engage in securities brokerage and 

riskless principal services and to act as agent in the private placement of securities. 

- Approved, August 5, 2005 

San Francisco 

Beverly Hills Bancorp, Inc., Calabasas, California; WFC, Inc., and Wilshire 

Acquisitions Corporation -- to become bank holding companies and to acquire First 

Bank of Beverly Hills; and for Beverly Hills Bancorp, Inc., and WFC, Inc. to 

acquire WCICC, Inc., WFICC, Inc., and Wilshire Mortgage Funding IV, V, and VI, 

and thereby engage in nonbanking activities. 

- Approved, August 5, 2005 

Kansas City 

First Centralia Bancshares, Inc., Centralia, Kansas -- to acquire, directly and 

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

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

and City National Bank, Kilgore, Texas. 

- Approved, August 3, 2005 

Chicago 

Firstbank Corporation, Alma, Michigan -- to acquire Keystone Financial 

Corporation, Kalamazoo, and Keystone Community Bank. 

- Approved, August 4, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 7 
H.2 Actions under delegated authority July 31, 2005 to August 6, 2005 

Bank Holding Companies 

Director, BS&R 

Gateway Bancshares, Inc., Ringgold, Georgia -- transfer agent registration. 

- Withdrawn, August 3, 2005 

Chicago 

Generations Bancorp, Inc., Waukesha, Wisconsin -- to become a bank holding 

company and to acquire Foundations Bank, Pewaukee, a de novo bank. 

- Approved, August 3, 2005 

Atlanta 

Heritage First Bancshares, Inc., Rome, Georgia -- to become a bank holding 

company and to acquire DeKalb Bank, Crossville, Alabama; and to acquire 

Heritage First Bank, Rome, Georgia, a federal savings association. 

- Approved, August 1, 2005 

Chicago 

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to acquire, through its 

subsidiary, Metavante Corporation, TREEV LLC, Herndon, Virginia, and thereby 

engage in data processing and management consulting activities. 

- Approved, August 3, 2005 

Chicago 

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to acquire GHR Systems, 

Inc., Wayne, Pennsylvania, and thereby acquire Loansoft, Inc., Berkeley, 

California; 6027580 Canada, Inc., Toronto, Ontario, Canada; and GHR Systems 

Canada, Inc., and thereby engage in data processing and management consulting 

activities. 

- Approved, August 4, 2005 

St. Louis 

United Citizens Bancorp, Inc., Columbia, Kentucky -- to become a bank holding 

company and to acquire United Citizens Bank of Southern Kentucky, Inc. 

- Withdrawn, August 3, 2005 

Minneapolis 

Vision Bancshares, Inc., St. Louis Park, Minnesota -- to become a bank holding 

company and to acquire Vision Bank, a de novo bank. 

- Approved, August 5, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 7 
H.2 Actions under delegated authority July 31, 2005 to August 6, 2005 

Change In Bank Control 

Kansas City 

First Fidelity Bancorp, Inc., Oklahoma City, Oklahoma -- to retain control of First 

Fidelity Bancorp, Inc. 

- Withdrawn, August 5, 2005 

Kansas City 

First State Bancorporation of Watonga, Inc., Watonga, Oklahoma -- change in bank 

control. 

- Withdrawn, August 1, 2005 

St. Louis 

Purchase Area Bancorp, Inc., Bardwell, Kentucky -- change in bank control. 

- Withdrawn, August 3, 2005 

Competitive Factors Reports 

New York 

Carthage Federal Savings and Loan Association, Carthage, New York -- report on 

competitive factors of the proposed merger with Carthage Interim One Savings 

Association and Carthage Interim Two Savings Association as part of a conversion 

and reorganization. 

- Submitted, August 3, 2005 

Dallas 

First State Bank of Uvalde, Uvalde, Texas -- report on competitive factors of the 

proposed acquisition of the Carrizo Springs branch of Union State Bank, Kerrville. 

- Submitted, August 4, 2005 

Kansas City 

Madison County Bank, Madison, Nebraska -- report on competitive factors of the 

proposed merger with First National Bank of Albion, Albion. 

- Submitted, August 5, 2005 

San Francisco 

State National Bank, Lubbock, Texas -- report on competitive factors of the 

proposed merger with Heritage National Bank, Granbury. 

- Submitted, August 2, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 7 
H.2 Actions under delegated authority July 31, 2005 to August 6, 2005 

Competitive Factors Reports 

San Francisco 

State National Bank, Lubbock, Texas -- report on competitive factors of the 

proposed consolidation with Interim State National Bank, Fort Worth, a de novo 

bank, in order to relocate its main office from Lubbock to Fort Worth. 

- Submitted, August 2, 2005 

Dallas 

Sterling Bank, Houston, Texas -- report on competitive factors of the proposed 

merger with The Oaks Bank & Trust Company, Dallas. 

- Submitted, August 3, 2005 

Currency 

Director, RBOPS 

Federal Reserve Notes -- letter confirming request for printing of notes during the 

fiscal year ending September 30, 2006. 

- Approved, August 2, 2005 

Extensions Of Time 

Philadelphia 

Citizens and Northern Corporation, Wellsboro, Pennsylvania -- extension to 

November 20, 2005, to acquire Canisteo Valley Corporation, Canisteo, New York, 

and its subsidiary, First State Bank. 

- Granted, August 1, 2005 

Kansas City 

The Farmers State Bank of Fort Morgan Colorado Employee Stock Ownership Plan, 

Fort Morgan, Colorado -- extension to November 18, 2005, to acquire up to 38 

percent of the shares of FSB Bancorporation of Fort Morgan, Colorado, and thereby 

acquire Farmers State Bank of Fort Morgan. 

- Granted, August 1, 2005 

Cleveland 

S&T Bancorp, Inc., Indiana, Pennsylvania -- extension to November 4, 2005, to 

acquire up to 9.9 percent of the shares of IBT Bancorp, Inc., Irwin, and thereby 

acquire Irwin Bank & Trust Company. 

- Granted, August 4, 2005 

(AC) = Addition or Correction Delegated - Page 6 of 7 
H.2 Actions under delegated authority July 31, 2005 to August 6, 2005 

International Operations 

Director, BS&R 

J.P. Morgan International Finance Limited, Wilmington, Delaware -- to make an 

investment in a newly-formed special purpose vehicle. 

- Granted, July 29, 2005 (AC) 

Membership 

Kansas City 

Rocky Mountain Bank, Rock Springs, Wyoming -- to become a member of the 

Federal Reserve System. 

- Approved, August 3, 2005 

Regulations And Policies 

Director, C&CA 

Regulation Z (Truth in Lending) -- annual adjustment to the dollar amount that 

triggers additional disclosure requirements for home mortgage loans with fees 

above a certain amount (Docket No. R-1231). 

- Approved, August 4, 2005 

(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 6, 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) Florence Bancorp, MHC, Florence, Massachusetts - to become a 

bank holding company through the acquisition of 100% of the 

voting shares of Florence Savings Bank, Florence, 

Massachusetts

Newspaper – 08/17/2005

Fed Reg – 08/15/2005

3(a)(1) & 3(a)(3) Monson Financial Services MHC and Monson Financial 

Services Corp., both of Monson, Massachusetts - to become a 

mutual bank holding company and a stock bank holding 

company, respectively, by acquiring Monson Savings Bank, 

Monson, Massachusetts

Newspaper – N/Avail

Fed Reg – 09/01/2005

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 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, August 6, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Deutsche Genossenschafts-Hypothekenbank AG, Hamburg, 

Germany, requests prior approval to establish a NY rep office.

Newspaper – N/Avail

FBSEA The Governor and Company of The Bank of Ireland, Dublin, 

Ireland to establish a representative office in Los Angeles, 

California, pursuant to Section 10(a) of the International 

Banking Act of 1978, and Section 211.24(a)(2)(i)(B) of Reg K.

Newspaper – N/Avail

FBSEA Kreditanstalt fur Wiederaufbau, Frankfurt, Germany, to establish 

a representative office in New York, New York, pursuant to 

Section 10(a) of the International Banking Act of 1978, as 

amended, and Section 211.24(a)(1) of Reg K.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

CIC Notice of Change in Bank Control pursuant to the Change in 

Bank Control Act of 1978, as amended, by The H.T. Clark I 

Family Limited Partnership (“Limited Partnership”), and Harold 

T. Clark Jr., both of Utica, New York, as general partner to 

acquire 72.19% of the common shares of Adirondack Bancorp 

Inc., Utica, New York; Limited Partnership is simultaneously 

requesting a determination by the Board to become a “qualified 

family parternship” pursuant to Section 2(o)(10) of the Bank 

Holding Company Act. See Filing ID 59827-1.

Newspaper – 08/16/2005

Fed Reg – 07/25/2005

*3A1 IA Bancorp, Inc., Iselin, New Jersey, (in formation), to become 

a one bank holding company with respect to the acquisition of 

Indus American Bank, Iselin, New Jersey, (in organization), 

pursuant to Section 3(a)(1) of the BHC Act, as amended, and 

Section 225.15 of Reg Y.

Newspaper – N/Avail

Fed Reg – 09/01/2005
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

*18C*3A3

*Branch

Interchange Financial Services Corporation(“IFSC”) and its 

wholly-owned subsidiary, Interchange Bank (“Interchange”), 

both of Saddle Brook, New Jersey, seek the prior approval of the 

Board of Governors of the Federal Reserve System of the 

merger of Franklin Bank (“Franklin”), Nutley, New Jersey with 

and into Interchange and for IFSC to acquire 100% of the voting 

stock of Franklin. Interchange also requests approval pursuant to 

section 9 of the Federal Reserve Act to establish a branch at the 

current location of Franklin upon completion of the merger. 

Newspaper – N/Avail

Fed Reg – 08/10/2005

* 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

4(C)(8) Banco Do Brasil S.A. Brasillia, Brazil; to engage de novo 

through its subsidiary, Banco Do Brasil Securities LLC, New 

York, in futures commission merchant activities, pursuant to 

section 225.28 (b)(7)(v) of Regulation Y.

Fed Reg – 08/10/2005

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

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 6, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch East Penn Bank, Emmaus, PA, to establish a branch office to be 

located at 4510 Bath Pike, Hanover Township, Northampton 

County, PA.

Newspaper – 08/15/2005

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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, August 6, 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) Rurban Financial Corp., Defiance, Ohio to acquire Exchange 

Bancshares, Inc., Luckey, Ohio and as a result acquire all of the 

issued and outstanding capital stock of The Exchange Bank. 

Rurban will be the surviving corporation in the merger. 

Exchange Bank will operate as a separate bank subsidiary of 

Rurban following completion of the merger.

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 obta ined 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 sche duled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, August 6, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Gateway Bank & Trust Co., Elizabeth City, North Carolina, to 

establish a branch at 641 South Lynnhaven Parkway, Virginia 

Beach, Virginia.*

Newspaper – 08/13/2005

Branch Gateway Bank & Trust Co., Elizabeth City, North Carolina, to 

establish a branch at 2209 Century Drive, Suite 100, Raleigh, 

North Carolina.*

Newspaper – 08/13/2005

18(c) MB Interim Bank, Charlottesville, Virginia (in organization),

to merge with Albemarle First Bank, Charlottesville, Virginia.*

Newspaper – 08/31/2005

*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 of Change in Control filed by Fisher Woodside LP/Paul 

Fisher to retain control of 15.4% of the voting shares of F&M 

Financial Corporation, Granite Quarry, North Carolina.*

Fed Reg – 08/23/2005

Newspaper – 08/20/2005

CIC Notice of Change in Control filed by Phyllis L. Fisher, Joy Klutz 

Fisher, Donald Mitchell, Jacob Steven Fisher, Paula Dawn 

Philpot, and Irvin Henry Philpot III to retain in aggregated 2.2% 

of the voting shares of F&M Financial Corporation, Granite 

Quarry, North Carolina.*

Fed Reg – 08/23/2005

Newspaper – 08/20/2005

3(a)(3) Millennium Bankshares Corporation, Reston, Virginia, to 

acquire 100% of the voting shares of Albemarle First Bank, 

Charlottesville, Virginia.

Fed Reg – 09/06/2005

Newspaper – 08/31/2005

*Subject to the provisions of the Community Reinvestment Act.
Section III – Applications subject to Fe deral 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

3248849 MainStreet Bank

727 Elden Street

Herndon, Virginia 20170

05/09/2005 07/23/2005 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, August 6, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First Commercial Bank of Florida, Orlando, Florida, to establish 

a branch located at 10222 E. Colonial Drive, Orlando, Florida, 

to be known as the East Orange Office.*

Newspaper – 08/15/2005

Branch First Commercial Bank of Florida, Orlando, Florida, to establish 

a branch located at 5645 Hansel Avenue, Edgewood, Florida, to 

be known as the Pine Castle Office.*

Newspaper – 08/15/2005

Foreign Caja de Ahorros de Valencia, Castellon y Alicante (Bancaja), 

Valencia, Spain, to convert an international agency to a branch 

office in the State of Florida.

Newspaper – 08/29/2005

Foreign Caja de Ahorros de Galicia, Caixa Galicia, Coruna, Spain, to 

establish an international agency located in Miami, Florida.

Newspaper – 08/29/2005

Foreign La Caisse centrale Desjardins du Quebec, Montreal, Quebec, 

Canada, to establish a foreign branch located in Hallandale, 

Florida.

Newspaper – 08/22/2005

*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)(1) CCB Financial Corporation, Jonesboro, Georgia, to become a 

bank holding company by acquiring 100 percent of the 

outstanding shares of Community Capital Bank, Jonesboro, 

Georgia.*

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1) FSB Bancshares, Inc., Church Point, Louisiana, to become a 

bank holding company by acquiring 100 percent of the 

outstanding shares of Farmers State Bank and Trust, Church 

Point, Louisiana.*

Newspaper – 09/02/2005

Fed Reg – 09/06/2005

3(a)(1) Northside Bancshares, Inc., Adairsville, Georgia, to become a 

bank holding company by acquiring 100 percent of the 

outstanding shares of Northside Bank, Adairsville, Georgia (in 

organization).*

Newspaper – N/Avail

Fed Reg – 09/02/2005

*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

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 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, August 6, 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) & 3(a)(1) Capitol Bancorp, Ltd., Lansing, Michigan, indirectly through 

Capitol Development Bancorp Limited III, Lansing, Michigan, 

to acquire 51 percent of Bank of Santa Barbara (in organization), 

Santa Barbara, California; and by Capitol Development Bancorp 

Limited III, Lansing, Michigan, to become a bank holding 

company by acquiring 51 percent of the voting shares of Bank of 

Santa Barbara (in organization), Santa Barbara, California.*

Fed Reg – 08/23/2005

Newspaper – N/Avail

CIC Notice by Ben D. Grimstad, Decorah, Iowa and Joseph L. 

Grimstad, Decorah, Iowa, individually, to acquire control of 

40.1 percent of Security Agency, Inc., Decorah, Iowa, and 

thereby indirectly Decorah Bank & Trust Company, Decorah, 

Iowa.

Fed Reg – 08/22/2005

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Registe r 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

929044 Freedom Security Bank

140 Holiday Drive

Coralville, Iowa 52241

(319) 688-9005

03/28/2005 08/01/2005 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 6, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Progress Bank of Missouri, Sullivan, Missouri, to establish a 

branch facility to be located at 308 West Lincoln, Owensville, 

Missouri.*

Newspaper – 08/12/2005

* 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

3A3 Lonoke Bancshares, Inc., Lonoke, Arkansas, to acquire 14.68 

percent of First Southern Bank, Batesville, Arkansas (in 

organization). (Previously submitted during the week ending 

July 30, 2005.)*

Newspaper – 08/26/2005

Fed Reg – 08/29/2005

CIC Notice by Roger L. Gott, individually, Dennis W. Gott, 

individually, and Roger L. Gott, Dennis W. Gott, and Carl E. 

Eichenberger, all of Salem, Missouri, acting as a group in 

concert, to gain control of Town & Country Bancshares, Inc., 

Salem, Missouri.

Newspaper – N/Avail

Fed Reg – 08/25/2005

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

Premises Bank of Little Rock, Little Rock, Arkansas, to increase its 

investment in bank premises in the amount of $1,331,000.

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, August 6, 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

4(c)(8) Carlson Bankshares, Inc., Comfrey, Minnesota, to operate a 

savings association as a result of the conversion of Peoples State 

Bank of Comfrey, Comfrey, Minnesota, to a federal savings 

bank to be known as Choice Financial Savings Bank, Comfrey, 

Minnesota.*

Fed Reg – 08/29/2005

Newspaper – 08/26/2005

4(c)(8) Choice Financial Holdings Inc., Grafton, North Dakota, to 

operate a savings association as a result of the conversion of 

Peoples State Bank of Comfrey, Comfrey, Minnesota, to a 

federal savings bank, to be known as Choice Financial Savings 

Bank, Comfrey, Minnesota.*

Fed Reg – 08/29/2005

Newspaper – 08/26/2005

* 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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, August 6, 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) Young Partners, L.P. and Young Corporation, both of 

Chillicothe, Missouri, to indirectly acquire, and Citizens 

Bancshares Co., Chillicothe, Missouri, to directly acquire an 

additional 3.12 percent, for a total of 10.07 percent of the voting 

stock of Clayco Banc Corporation, parent of CSB Bank, both in 

Claycomo, Missouri.

Newspaper – 08/24/2005

Fed Reg – 08/30/2005

3(a)(3) Peak Banks of Colorado, Inc., Nederland, Colorado, to acquire 

100 percent of the voting shares of Clear Creek Bank Corp., and 

thereby indirectly acquire First State Bank, both of Idaho 

Springs, Colorado.

Newspaper – N/Avail

Fed Reg – 09/06/2005

CIC Notification by Marvin J. Carter and Donald C. Stamps, both of 

Lawton, Oklahoma, as trustees of the 2000 Green Family Trust, 

to acquire control of B.O.E. Bancshares, Inc., parent of Liberty 

National Bank, both in Lawton, Oklahoma.

Newspaper – N/Avail

Fed Reg – 08/23/2005

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, August 6, 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) Country Holding Corp., Lakeway, TX, to become a bank 

holding company by acquiring 100 percent of Texas Country 

Bank, Lakeway, TX.,(de nova).*

Newspaper – N/Avail

Fed Reg – 08/12/2005

3(a)(3) MetroCorp Bancshares, Inc., Houston, TX., to acquire 100 

percent of First United Bank, San Diego, CA.

Newspaper – 08/22/2005

Fed Reg – 08/25/2005

3(a)(5) Texas United Bancshares, Inc., La Grange, TX, and Texas 

United Nevada, Inc., Carson City, NV, to acquire by merger 100 

percent of Gateway Holding Company, Inc., Dallas, TX, and 

indirectly acquire Gateway Delaware Holding Company, Inc., 

Wilmington, DE, and Gateway National Bank, Dallas, TX.*

Newspaper – 08/25/2005

Fed Reg – 08/26/2005

CIC Notice by Ms. Reatha Coleen Beck, Austin, TX, to increase 

voting control from 24.99 percent to 25.66 percent in Union 

State Bancshares, Inc., Killeen, TX, and indirectly Union State 

Holding Company, Wilmington, DE, and Union State Bank, 

Florence, TX.

Newspaper – 08/19/2005

Fed Reg – 08/22/2005

*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, August 6, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Mission Community Bank, San Luis Obispo, California, to 

establish a mobile branch courier service to serve the counties of 

San Luis Obispo and Northern Santa Barbara, California.*

Newspaper – 08/07/2005

FBSEA State Bank of India, Mumbai, India, to establish an uninsured 

branch in Jackson Heights, New York, pursuant to Section 7(d) 

of the International Banking Act of 1978, as amended, and 

Section 211.24(a)(1) of Regulation K.

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)(1) FCB Bancorp, Camarillo, California, to become a bank holding 

company by acquiring 100 percent of First California Bank, 

Camarillo, California.*

Newspaper – N/Avail

Fed Reg – 08/26/2005

3(a)(5) FCB Bancorp, Camarillo, California, to merge with South Coast 

Bancorp, Inc., and thereby indirectly acquire its subsidiary, 

South Coast Commercial Bank, both of Irvine, California.*

Newspaper – N/Avail

Fed Reg – 08/26/2005

* 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