H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 13 

Week Ending March 26, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions March 20, 2005 to March 26, 2005 

Discount Rates 

Discount and Advance Rates -- increase in the primary credit rate from 3-1/2 

percent to 3-3/4 percent by the Federal Reserve Banks of Boston, New York, 

Philadelphia, Cleveland, Richmond, Atlanta, Chicago, St. Louis, Minneapolis, and 

San Francisco. 

- Approved, March 22, 2005 

Discount and Advance Rates -- increase in the primary credit rate from 3-1/2 

percent to 3-3/4 percent by the Federal Reserve Bank of Kansas City. 

- Approved, March 23, 2005 

Discount and Advance Rates -- increase in the primary credit rate from 3-1/2 

percent to 3-3/4 percent by the Federal Reserve Bank of Dallas. 

- Approved, March 24, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority March 20, 2005 to March 26, 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 

St. Louis 

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 2900 West Main 

Place, Russellville. 

- Approved, March 24, 2005 

Atlanta 

Coconut Grove Bank, Miami, Florida -- to establish a branch at 290 Alhambra 

Circle, Coral Gables. 

- Withdrawn, March 25, 2005 

Richmond 

Middleburg Bank, Middleburg, Virginia -- to establish a branch at 530 Blackwell 

Road, Warrenton. 

- Approved, March 23, 2005 

Philadelphia 

Sterling Bank, Mount Laurel, New Jersey -- to establish a branch at Kresson Road 

and Centennial Boulevard, Voorhees. 

- Approved, March 24, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 2931 McCall Road, 

Englewood, Florida. 

- Approved, March 23, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 1699 North Woodland 

Boulevard, DeLand, Florida. 

- Approved, March 24, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish branches at 2795 Chastain 

Meadows Parkway, Kennesaw, and 1400 Lawrenceville Highway, Lawrenceville. 

- Approved, March 24, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 7 
H.2 Actions under delegated authority March 20, 2005 to March 26, 2005 

Bank Holding Companies 

St. Louis 

BNA Bancshares, Inc., New Albany, Mississippi -- to become a bank holding 

company and to acquire Bank of New Albany. 

- Approved, March 24, 2005 

Minneapolis 

Carlson Bankshares, Inc., Comfrey, Minnesota -- to operate a savings association 

upon conversion of Peoples State Bank of Comfrey to a federal savings bank, to be 

known as Choice Financial Savings Bank. 

- Withdrawn, March 23, 2005 

Chicago 

Centrue Financial Corporation, Kankakee, Illinois -- to acquire Illinois Community 

Bancorp, Inc., Effingham, and Illinois Community Bank. 

- Approved, March 21, 2005 

Minneapolis 

Choice Financial Holdings, Inc., Grafton, North Dakota -- to operate a savings 

association upon conversion of Peoples State Bank of Comfrey, Comfrey, 

Minnesota, to a federal savings bank, to be known as Choice Financial Savings 

Bank. 

- Withdrawn, March 21, 2005 

St. Louis 

First Banks, Inc., St. Louis, Missouri, and The San Francisco Company, San 

Francisco, California -- to acquire FBA Bancorp, Inc., Chicago, Illinois, and thereby 

acquire First Bank of the Americas, SSB, Chicago; and for First Bank, St. Louis, 

Missouri, to merge with First Bank of the Americas, SSB, and thereby establish 

branches. 

- Approved, March 25, 2005 

Richmond 

Independence Bancshares, Inc., Greenville, South Carolina -- to become a bank 

holding company and to acquire Independence National Bank, a de novo bank. 

- Approved, March 21, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 7 
H.2 Actions under delegated authority March 20, 2005 to March 26, 2005 

Bank Holding Companies 

General Counsel 

Morrill Bancshares, Inc., Merriam, Kansas, and First Centralia Bancshares, Inc., 

Centralia -- request for an exemption under the Depository Institution Management 

Interlocks Act and Regulation L. 

- Granted, March 25, 2005 

General Counsel 

North Fork Bancorporation, Melville, New York -- request for an exemption under 

the Depository Institution Management Interlocks Act and Regulation L. 

- Granted, March 22, 2005 

Chicago 

United Commerce Bancorp, Bloomington, Indiana -- to become a bank holding 

company and to acquire United Commerce Bank. 

- Approved, March 25, 2005 

Change In Bank Control 

Minneapolis 

American Bancorporation, St. Paul, Minnesota -- change in bank control. 

- Permitted, March 21, 2005 

Chicago 

Central Wisconsin Financial Services, Inc., Wausau, Wisconsin -- change in bank 

control. 

- Permitted, March 25, 2005 

Minneapolis 

Citizens Bancshares of Woodville, Inc., Woodville, Wisconsin -- change in bank 

control. 

- Permitted, March 21, 2005 

Kansas City 

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

Fidelity Bancorp, Inc. 

- Withdrawn, March 25, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 7 
H.2 Actions under delegated authority March 20, 2005 to March 26, 2005 

Change In Bank Control 

Atlanta 

Frontier National Corporation, Sylacauga, Alabama -- change in bank control. 

- Permitted, March 25, 2005 

Competitive Factors Reports 

Chicago 

Associated Bank, National Association, Green Bay, Wisconsin -- report on 

competitive factors of the proposed merger with Associated Bank Minnesota, 

National Association, Minneapolis, Minnesota, and Associated Bank Chicago, 

Chicago, Illinois. 

- Submitted, March 21, 2005 

Atlanta 

Colonial Bank, National Association, Montgomery, Alabama -- report on 

competitive factors of the proposed merger with First Federal Savings of Lake 

County, Leesburg, Florida. 

- Submitted, March 21, 2005 

Philadelphia 

Commerce Bank, National Association, Cherry Hill, New Jersey -- report on 

competitive factors of the proposed merger with Commerce Bank/Delaware, N.A., 

Wilmington, Delaware. 

- Submitted, March 21, 2005 

Boston 

First Brandon National Bank, Brandon, Vermont -- report on competitive factors of 

the proposed merger with First Brandon Interim National Bank. 

- Submitted, March 22, 2005 

Chicago 

MainSource Bank, Greensburg, Indiana -- report on competitive factors of the 

proposed merger with Peoples Trust Company, Linton. 

- Submitted, March 21, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 7 
H.2 Actions under delegated authority March 20, 2005 to March 26, 2005 

Competitive Factors Reports 

Richmond 

Mercantile-Safe Deposit and Trust Company, Baltimore, Maryland -- report on 

competitive factors of the proposed merger with Community Bank of Northern 

Virginia, Sterling, Virginia. 

- Submitted, March 24, 2005 

Chicago 

National Exchange Bank and Trust, Fond du Lac, Wisconsin -- report on 

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

certain liabilities of the Howards Grove and Beaver Dam branches of Webster 

Bank, National Association, Waterbury, Connecticut. 

- Submitted, March 21, 2005 

Kansas City 

Rose Rock Bank, Oklahoma City, Oklahoma, a de novo bank -- report on 

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

certain liabilities of the El Reno, Enid, Hennessey, Kingfisher, and Oklahoma City 

branches of Gold Bank, Leawood, Kansas. 

- Submitted, March 22, 2005 

Philadelphia 

Willow Grove Bank, Maple Glen, Pennsylvania -- report on competitive factors of 

the proposed acquisition of First Financial Bank, Downingtown. 

- Submitted, March 21, 2005 

Extensions Of Time 

St. Louis 

Arvest Bank, Fayetteville, Arkansas -- extension to June 30, 2005, to establish a 

branch at 2203 North Highway 81, Duncan, Oklahoma. 

- Granted, March 22, 2005 

Atlanta 

BancTenn Corporation, Kingsport, Tennessee -- extension to July 6, 2005, to 

acquire up to 20 percent of the shares of Paragon Commercial Corporation, Raleigh, 

North Carolina, and its subsidiary, Paragon Commercial Bank. 

- Granted, March 23, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 7 
H.2 Actions under delegated authority March 20, 2005 to March 26, 2005 

Extensions Of Time 

Kansas City 

Bank 1st Financial Corporation, Albuquerque, New Mexico -- extension to July 17, 

2005, to become a bank holding company and to acquire Bank 1st. 

- Granted, March 23, 2005 

Dallas 

Central Texas Bankshare Holdings, Inc., Columbus, Texas, and Colorado County 

Investment Holdings, Inc., Wilmington, Delaware -- extension to June 22, 2005, to 

acquire additional shares up to 45.33 percent of Hill Bancshares Holdings, Inc., 

Weimar, Texas, and thereby acquire Hill Bank & Trust Co. 

- Granted, March 23, 2005 

Atlanta 

PrimeTrust Financial Corporation, Nashville, Tennessee -- extension to July 12, 

2005, to become a bank holding company and to acquire PrimeTrust Bank. 

- Granted, March 23, 2005 

Richmond 

Sandy Spring Bank, Olney, Maryland -- extension to April 27, 2006, to establish a 

branch at 5800 Mercantile Drive East, Frederick. 

- Granted, March 24, 2005 

San Francisco 

Security Pacific Bancorp, Los Angeles, California -- extension to June 7, 2005, to 

engage through Network Finance, Inc. in single family loan origination services 

through the purchase of 51 percent of Security Pacific Home Loans, Pasadena. 

- Granted, March 24, 2005 

Chicago 

Warren Bank, Warren, Michigan -- extension to August 6, 2005, to establish 

branches at 48750 Romeo Plank Road, Macomb Township, and 2030 19 Mile Road, 

Sterling Heights. 

- Granted, March 24, 2005 

(AC) = Addition or Correction Delegated - Page 6 of 7 
H.2 Actions under delegated authority March 20, 2005 to March 26, 2005 

Financial Holding Companies 

Dallas 

Prosperity Holdings of Delaware, LLC, Wilmington, Delaware -- election to 

become a financial holding company. 

- Effective, March 22, 2005 

International Operations 

Richmond 

Fleet National Bank, Providence, Rhode Island -- to extend the charter of Boston 

Overseas Financial Corporation, Boston, Massachusetts. 

- Approved, March 25, 2005 

Director, BS&R 

The Northern Trust Company, Chicago, Illinois -- to invest in excess of 10 percent 

of its capital and surplus in its Edge corporation subsidiary, The Northern Trust 

International Banking Corporation, New York, New York; and for The Northern 

Trust Company and The Northern Trust International Banking Corporation to 

acquire Financial Services Group Limited, London, England, and its subsidiaries. 

- Approved, March 25, 2005 

Regulations And Policies 

FOMC 

Short-term Interest Rates -- increase in the target for the federal funds rate from 2-

1/2 percent to 2-3/4 percent. 

- Approved, March 22, 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, March 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

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, March 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

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

Newspaper – N/Avail

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

representative office in New York, New York.

Newspaper – N/Avail

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

representative office in Miami, Florida.

Newspaper – N/Avail

Branch M&T Bank Corporation, Buffalo, New York, to establish a 

branch office at 3 Bethesda Metro Center, Suite 850, Bethesda, 

Maryland.

Newspaper – 04/01/2005

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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, March 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Royal Bancshares of Pennsylvania, Narberth, PA, proposes to 

engage in de novo activity of extending credit and servicing 

loans.

Fed Reg – 04/15/2005

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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, March 26, 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) Peoples Community Bancorp, Inc., West Chester, OH to acquire 

American State Corporation and its wholly-owned subsidiary 

American State Bank, both of Lawrenceburg, IN.

Newspaper – N/Avail

Fed Reg – 04/07/2005

*Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, March 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

4(c)(8) Capital One Financial Corporation, McLean, Virginia, to 

purchase certain assets and assume certain obligations of 

the automobile finance business of KeyBank, National 

Association, Plano, Texas
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

3205909 Colonial Virginia Bank

6720 Sutton Road

Gloucester, Virginia 23061

01/10/2005 03/26/2005 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, March 26, 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) Hometown Community Bancshares, Inc., Braselton, Georgia, to 

become a bank holding company by acquiring 100 percent of the 

outstanding shares of Hometown Community Bank of Georgia, 

Braselton, Georgia (in organization).*

Newspaper – N/Avail

Fed Reg – 04/22/2005

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

percent of the outstanding shares of SouthBank, Woodstock, 

Georgia.*

Newspaper – 04/21/2005

Fed Reg – 04/25/2005

CIC South Banking Company, Alma, Georgia, after-the-fact change 

in control notice filed by Olivia Lawrence Bennett as executor 

and beneficiary of the Estate of Valene Bennett; Bennett Family 

Limited Partnership, Olivia L. Bennett, general partner;

Lawrence R. Bennett; Paul Thomas Bennett; Olivia Louise

Bennett; Thomas Valene Bennett; Holly Jones Bennett; John V. 

Bennett; Harry Keith Bennett, Jr.; Lillian Purcell Johnson; Holly 

Bennett Porter; Carolyn Joyce Bennett; all of Alma, Georgia, to 

retain 59.60 percent of the outstanding shares of South Banking 

Company, Alma, Georgia, and its subsidiaries, Alma Exchange 

Bank, Alma, Georgia; Peoples State Bank and Trust Company, 

Baxley, Georgia; Citizens State Bank, Kingsland, Georgia; and 

Pineland State Bank, Metter, Georgia.

Newspaper – 04/06/2005

Fed Reg – 03/31/2005

*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

2738857 Horizon Bank

900 53rd Avenue East

Bradenton, Florida 34203

(941) 753-2265

11/01/2004 03/23/2005 O X

245333 AmSouth Bank

1900 Fifth Avenue North

Birmingham, Alabama 35203

(205) 326-5120

07/12/2004 03/20/2005 O 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, March 26, 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, to acquire 100 

percent of the voting shares of Capitol Development Bancorp 

Limited II, Lansing, Michigan, and thereby indirectly acquire 

Bank of Bellevue (in organization), Bellevue, Washington, and 

by Capitol Development Bancorp Limited II, Lansing, 

Michigan, to become a bank holding company by acquiring 51 

percent of the voting shares of Bank of Bellevue (in 

organization), Bellevue, Washington.*

Fed Reg – 04/12/2005

Newspaper – N/Avail

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

percent of the voting shares of Capitol Bancorp Colorado 

Limited, Lansing, Michigan, and thereby indirectly acquire Fort 

Collins Commerce Bank (in organization), Fort Collins, 

Colorado, and by Capitol Bancorp Colorado Limited, Lansing, 

Michigan, to become a bank holding company by acquiring 51 

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

organization), Fort Collins, Colorado.*

Fed Reg – 04/26/2005

Newspaper – N/Avail

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

holding company by acquiring 100 percent of the voting shares

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

Fed Reg – 04/15/2005

Newspaper – N/Avail

3(a)(1) & 4(c)(8) iTeam Companies, Inc., Brookfield, Wisconsin, to become a 

bank holding company by acquiring 100 percent of the voting 

shares of Bank of Kenney, Kenney, Illinois, and to engage in 

data processing activities through its subsidiary, iStream 

Companies, Inc., Brookfield, Wisconsin.*

Fed Reg – 04/11/2005

Newspaper – 03/30/2005

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

Type Application

Ending date of

comment period

4(c)(8) First National Bancshares, Inc., East Lansing, Michigan, to 

retain its 100 percent interest in Equifunding, Inc., East Lansing, 

Michigan, and thereby engage in acquiring debt in default 

(including tax liens).

Fed Reg – 04/07/2005

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

Type Application

4(c)(8) QCR Holdings, Inc., Moline, Illinois, proposes to engage de 

novo in extending credit and servicing loans through a joint 

venture by its subsidiary depository institution, Cedar Rapids 

Bank and Trust Company, Cedar Rapids, Iowa.

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

2792064 Community Bank of Boone

1704 S. Marshall Street

Boone, Iowa 50036

(515) 433-4499

11/01/2004 03/21/2005 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, March 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch The Callaway Bank, Fulton, Missouri, to establish a branch 

facility to be located at 2202 North Bluff, Fulton, Missouri.*

Newspaper – 03/25/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3A1 Evolve Financial Group, Inc., Memphis, Tennessee, to become a 

bank holding company by acquiring 100 percent of Parkin 

Bancorp, Inc., Parkin, Arkansas, and thereby indirectly acquire 

First State Bank, Parkin, Arkansas.*

Newspaper – N/Avail

Fed Reg – 04/25/2005

CIC Notice by The Real Estate Exempt Trust with John K. Pruellage 

as trustee, St. Louis, Missouri, to gain control of First 

Community Bancshares, Inc., Batesville, Arkansas.

Newspaper – N/Avail

Fed Reg – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, March 26, 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) Choice Financial Holdings, Inc., Grafton, North Dakota, to 

acquire 85 percent of Peoples State Bank of Comfrey, Comfrey, 

Minnesota.*

Fed Reg – 04/15/2005

Newspaper – N/Avail

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

bank holding company by acquiring 100 percent of the First 

National Bank of Milaca, Milaca, Minnesota.*

Fed Reg – 04/21/2005

Newspaper – N/Avail

3(a)(5) Deerwood Bancshares, Inc., Deerwood, Minnesota, to acquire 

100 percent of Northome Bancshares, Inc., Northome, 

Minnesota, and thereby indorectly acquire Northland 

Community Bank, Northome, Minnesota.*

Fed Reg – 04/22/2005

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations schedule d for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, March 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) The Citizens-Farmers Bank of Cole Camp, Cole Camp, 

Missouri, to purchase certain assets and assume certain liabilities 

of the Stover, Missouri branch of Concordia Bank, Concordia, 

Missouri, and incident thereto, to establish a branch.

Newspaper – N/Avail

Branch Butte State Bank, Butte, Nebraska, to establish a branch at 425 

Hillcrest Boulevard, Spencer, Nebraska.

Newspaper – 04/01/2005

Branch Gold Bank, Leawood, Kansas, to establish a branch at the corner 

of John Moore Road and Bloomingdale Avenue, Brandon,

Florida.

Newspaper – 04/01/2005

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

Type Application

Ending date of

comment period

CIC Notification by Daniel Buford, Stephen Buford, Sam Buford, 

Ernest Dillard, Sheila Dillard, Aaron Dillard, and Hannah 

Dillard, all of Tulsa, Oklahoma; Sharon Linsenmeyer, Beatrice, 

Nebraska; and Sarah Dillard, Tampa, Florida, to acquire control 

of Healthcare Bancorp, Inc., parent of First BankCentre, both of 

Broken Arrow, Oklahoma.

Newspaper – 03/25/2005

Fed Reg – 03/25/2005

CIC Notification by Robert E. Mickey, Jr., Holden, Missouri, 

individually and as trustee of the Marilyn Mickey Clay 2005 

Irrevocable Trust, to acquire control of F&C Bancorp, Inc., 

parent of Farmers and Commercial Bank, both in Holden, 

Missouri.

Newspaper – N/Avail

Fed Reg – 04/08/2005

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

Relief from 

Commitments

First National of Nebraska, Inc., Omaha, Nebraska, for prior 

approval for relief from and modification of existing 

commitments.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its 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, March 26, 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

CIC Notice by Rodney A. Abrams, Northbrook, Illinois; et al, to 

acquire an interest in Surety Capital Corporation, Fort Worth, 

Texas, and indirectly acquire Surety Bank, National Association, 

Fort Worth, Texas. 

Fed Reg – 04/04/2005

Newspaper – 04/06/2005

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

637451 PlainsCapital Bank

5010 University Avenue

Lubbock, Texas 79408-0271

09/20/2004 03/16/2005 S X

274164 Texas Star Bank

110 E. Jefferson

Van Alstyne, Texas 75495-0608

11/29/2004 03/14/2005 S X

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, March 26, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

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

Newspaper – 03/25/2005

* 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

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

2651675 Bank of Sacramento

1750 Howe Avenue, Suite 100

Sacramento, California 95825

(916) 648-2100

11/22/2004 03/24/2005 S X

2640530 Mission Community Bank

581 Higuera Street

San Luis Obispo, California 93401

(805) 782-5000

12/06/2004 03/24/2005 O X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None