Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 11 

Week Ending March 16, 2002 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions March 10, 2002 to March 16, 2002 

Testimony And Statements 

Financial Services Regulatory Relief Act of 2002 -- statement by Governor Olson on 

March 14, 2002, before the Subcommittee on Financial Institutions and Consumer Credit 

of the House Committee on Financial Services. 

- Authorized, March 14, 2002 

Bank Holding Companies 

First York Ban Corp., York, Nebraska -- to acquire K.L. & D.M., Inc., Polk, and its 

subsidiary bank, Citizens State Bank. 

- Approved, March 11, 2002 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority March 10, 2002 to March 16, 2002 

BS&R 

C&CA 

FOMC 

Banking Supervision and Regulation 

Consumer and Community Affairs 

Federal Open Market Committee 

RBOPS 

IF 

OSDM 

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

Bank Branches, Domestic 

Secretary 

Allfirst Bank, Baltimore, Maryland -- to establish a branch at Dulles Town Center Mall, 

Dulles, Virginia. 

- Approved, March 12, 2002 

Secretary 

AmSouth Bank, Birmingham, Alabama -- to establish branches at 5084 Dr. Phillips 

Boulevard, Orlando, Florida, and 333 Second Avenue South, St. Petersburg. 

- Approved, March 12, 2002 

St. Louis 

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 1170 North Salem Road. 

- Approved, March 13, 2002 

Richmond 

First Vantage Bank/Tri-Cities, Bristol, Virginia -- to establish a branch at 915 West 

Oakland Avenue, Johnson City, Tennessee. 

- Approved, March 13, 2002 

Atlanta 

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 10805 N.W. 41st 

Street, Miami, Florida. 

- Approved, March 13, 2002 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 6335 Mechanicsville 

Turnpike, Mechanicsville, Virginia. 

- Withdrawn, March 12, 2002 

Bank Holding Companies 

Kansas City 

BFM Bancshares, Inc., Kingman, Kansas -- to acquire Citizens National Bank & Trust 

Company, Anthony. 

- Approved, March 15, 2002 

(AC) = Addition or Correction Delegated - Page 1 of 5 
H.2 Actions under delegated authority March 10, 2002 to March 16, 2002 

Bank Holding Companies 

Richmond 

CNB Bancorp, Inc., Windsor, Virginia -- to become a bank holding company through 

the acquisition of Citizens National Bank, a de novo bank. 

- Approved, March 11, 2002 

Atlanta 

Coastal Community Investments, Inc., Panama City Beach, Florida -- to become a bank 

holding company through the acquisition of Apalachicola State Banking Corporation, 

Apalachicola, and thereby indirectly acquire Apalachicola State Bank. 

- Approved, March 14, 2002 

Minneapolis 

Atlanta 

Atlanta 

Atlanta 

Atlanta 

Credit Riviere Corporation, Austin, Texas -- to become a bank holding company through 

the acquisition of First State Bank of Sinai, Sinai, South Dakota. 

- Approved, March 11, 2002 

Florida Business BancGroup, Inc., Tampa, Florida -- to engage in making, acquiring, 

brokering, or servicing loans or other extensions of credit. 

- Withdrawn, March 11, 2002 

Marion County Bancshares, Inc., Hamilton, Alabama -- to acquire Triangle 

Bancorporation, Carbon Hill, and thereby acquire its subsidiary banks. 

- Approved, March 15, 2002 

Pinnacle Financial Partners, Inc., Nashville, Tennessee -- waiver of a commitment. 

- Withdrawn, March 11, 2002 

Red River Bancshares, Inc., Alexandria, Louisiana -- waiver of a commitment. 

- Granted, March 15, 2002 

(AC) = Addition or Correction Delegated - Page 2 of 5 
H.2 Actions under delegated authority March 10, 2002 to March 16, 2002 

Bank Holding Companies 

Atlanta 

Regions Financial Corporation, Birmingham, Alabama -- to merge with Brookhollow 

Bancshares, Inc., Dallas, Texas, and thereby acquire Brookhollow National Bank. 

- Approved, March 11, 2002 

Richmond 

United Bankshares, Inc., Charleston, West Virginia -- waiver of application to establish 

United Bank, Inc., Parkersburg, and for United Bank, Inc. to become a member of the 

Federal Reserve System. 

- Granted, March 15, 2002 

Bank Mergers 

Chicago 

Johnson Bank, Racine, Wisconsin -- to merge with Johnson Bank Hayward, Hayward, 

and thereby establish branches at Highway 63 North, 209 South Dakota Avenue, both in 

Hayward; 340 South Main Street, Rice Lake; and 329 South River Street, Spooner. 

- Approved, March 11, 2002 

Chicago 

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to merge with Century Bank, 

National Association, Eden Prairie, Minnesota, and thereby establish branches in Eden 

Prairie, St. Louis Park, and Coon Rapids; and to merge with Richfield Bank & Trust Co., 

Richfield, and thereby establish 21 branches. 

- Approved, March 15, 2002 

Change In Bank Control 

Kansas City 

Spirit BankCorp, Inc., Bristow, Oklahoma -- change in bank control. 

- Permitted, March 11, 2002 

Atlanta 

USAL Bancorp, Inc., Union Springs, Alabama -- change in bank control. 

- Permitted, March 11, 2002 

(AC) = Addition or Correction Delegated - Page 3 of 5 
H.2 Actions under delegated authority March 10, 2002 to March 16, 2002 

Competitive Factors Reports 

Kansas City 

The Bank, Oberlin, Kansas -- report on competitive factors of the proposed purchase of 

certain assets and assumption of certain liabilities of the Colby, Norcatur, and Oberlin 

branches of Gold Bank, Leawood. 

- Submitted, March 15, 2002 

St. Louis 

Edmonton State Bank, Glasgow, Kentucky -- report on competitive factors of the 

proposed merger with Peoples Bank of Thompkinsville, Thompkinsville. 

- Submitted, March 14, 2002 

St. Louis 

First Community Bank, Jonesboro, Arkansas -- report on competitive factors of the 

proposed merger with Peoples Bank, Imboden. 

- Submitted, March 12, 2002 

Kansas City 

First National Bank, Sidney, Nebraska -- report on competitive factors of the proposed 

merger with The American National Bank of Kimball, Kimball. 

- Submitted, March 15, 2002 

Atlanta 

First Southern National Bank, Stevenson, Alabama -- report on competitive factors of 

the proposed purchase of assets and assumption of liabilities of two branches of 

Community Bank, Blountsville. 

- Submitted, March 13, 2002 

Richmond 

The Harbor Bank of Maryland, Baltimore, Maryland -- report on competitive factors of 

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

Randallstown branch of Carrollton Bank, Baltimore. 

- Submitted, March 15, 2002 

Minneapolis 

Interim First State Bank of Sinai, Sinai, South Dakota -- report on competitive factors of 

the proposed merger with First State Bank of Sinai. 

- Submitted, March 11, 2002 

(AC) = Addition or Correction Delegated - Page 4 of 5 
H.2 Actions under delegated authority March 10, 2002 to March 16, 2002 

Competitive Factors Reports 

New York 

National Bank of Florida, Florida, New York -- report on competitive factors of the 

proposed merger with Provident Interim Bank, Montebello. 

- Submitted, March 11, 2002 

Boston 

Ocean National Bank, Kennebunk, Maine -- report on competitive factors of the 

proposed acquisition of 11 New Hampshire branches from Chittenden Trust Company, 

Burlington, Vermont. 

- Submitted, March 11, 2002 

Richmond 

Salem Bank and Trust, N.A., Salem, Virginia -- report on competitive factors of the 

proposed merger with FNB-Southwest, National Association, Roanoke. 

- Submitted, March 15, 2002 

Kansas City 

The Stockgrowers State Bank, Maple Hill, Kansas -- report on competitive factors of the 

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

branch of Gold Bank, Leawood. 

- Submitted, March 15, 2002 

Financial Holding Companies 

Chicago 

First BancTrust Corporation, Paris, Illinois -- election to become a financial holding 

company. 

- Effective, March 14, 2002 

Membership 

Dallas 

Riverbend Bank, Fort Worth, Texas -- to become a member of the Federal Reserve 

System. 

- Approved, March 13, 2002 

(AC) = Addition or Correction Delegated - Page 5 of 5 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, March 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

4(c)(8) Guaranty Bancorp, Inc., Woodsville, New Hampshire - notice to 

acquire a one-third interest, through Community Financial 

Services Partners LLC, Derby, Vermont and thereby engage in 

trust company functions 
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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, March 16, 2002

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch JP Morgan Chase Bank, New York, New York,to open a de 

novo branch office at the Newport Center, Jersey City, New 

Jersey.

Newspaper – 04/07/2002 

Rep. Office Natexis Banque Popularies S.A., Paris, France, to establish a 

representative office in Miami, Florida

Newspaper – N/A

* 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, CC CSB Financial Corp., Teaneck, New Jersey (“Financial”) to 

become a bank holding company with respect to Community 

State Bank, Teaneck, New Jersey, and notice by the 

Lindenbaum Group and Basswood Partners LLC, which upon 

bank holding company conversion, will maintain 22.6% of 

Financial.

Newspaper – 04/18/2002 

Fed. Reg. – 03/27/2002

4c8 R&G Financial Corporation, San Juan, Puerto Rico, to acquire 

Crown Group Inc., a savings and loan bank holding company, 

and indirectly acquire control of its thrift subsidiary, Crown 

Bank, a federl savings bank, both of Casselberry, Florida.

Newspaper – 02/15/2002 

Fed. Reg. – 03/22/2002

3a1 Eurobancshares, Inc., Hato Rey, Puerto Rico, to acquire 100% 

of the issued and outstanding shares of the common stock of 

Eurobank, Hato Rey, Puerto Rico.

Newspaper – 03/01/2002 

Fed. Reg. – 03/29/2002

* 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

4c8 Notice by Barclays Plc and Barclays Bank Plc, both of London, 

England, to engage in certain nonbanking activities, both 

directly and through Identrus, LLC.

Feg. Reg. – 03/29/2002
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4c8 Notice by Bayerische Hypo-und Vereinsbank 

Aktiengesellschaft, Munich, Germany, Barclays PLC and 

Barclays Bank PLC, both of London, England, in conncetion 

with the acquisition by Identrus, LLC of Digital Signature Trust 

Company, to engage in certain nonbanking activities through 

Identrus.

Fed. Reg. – 03/25/2002

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 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, March 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Received notice from Fifth Third Bank, Cincinnati, OH on 03/05/2002 

03/14/2002 of its intent to establish a branch at the corner of 

Vine Street and Erie Street, Willoughby, OH.* 

* Subject to the provisions of the Community Reinvestment Act. 

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

Ending date of 

Type Application comment period 

3(a)(5) Received application from Charter One Financial, Inc., Fed Reg – 04/05/2002 

Cleveland, OH and Charter-Michigan Bancorp, Dearborn, MI on Newspaper – 04/03/2002 

03/04/2002 to acquire Charter National Bancorp, Taylor, MI and 

Charter Bank, Wyandotte, MI.* 

* Subject to the provisions of the Community Reinvestment Act. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, March 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch RBC Centura Bank, Rocky Mount, North Carolina, to establish Newspaper - 03/29/2002 

a branch at 1868 India Hook Road, Rock Hill, South Carolina.* 

*Subject to the provisions of the Community Reinvestment Act. 

Section II – Applications subject to both news paper and Federal Register notice 

Ending date of 

Type Application comment period 

3(a)(3) First Citizens Bancorporation of South Carolina, Inc., Columbia, Fed Reg - 04/08/2002 

South Carolina, to acquire up to 10% of the outstanding shares Newspaper - 03/31/2002 

of Bank of Wilmington, Wilmington, North Carolina.* 

*Subject to the provisions of the Community Reinvestment Act. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

Member United Bank, Inc., Parkersburg, West Virginia (successor 

by merger to United National Bank, Parkersburg, West 

Virginia), for membership in the Federal Reserve System. 

Member Peoples Bank, Richmond, Virginia (in organization), for 

membership in 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, March 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

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

located at 2303 Thonotasassa Road, Plant City, Florida, to be 

known as the Plant City Branch. 

03/23/2002*

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

located at 110 Busch Drive, Jacksonville, Florida, to be known 

as the Busch Drive Branch. 

03/23/2002*

Branch SunTrust Bank, Atlanta, Georgia, to establish a branch located at 

4215 Cheshire Station Plaza, Dale City, Virginia, to be known as 

the Cheshire Station Safeway In-Store Office. 

03/19/2002*

*Subject to provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

COM Compass Bancshares, Inc., Birmingham, 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, March 16, 2002 

Section I – Applications subject to newspaper notice only 

Type Application 

Branch Eastern Michigan Bank, Croswell, Michigan, to establish a 

branch facility to be located at 3061 Krafft Road, Fort Gratiot 

Township, Michigan.* 

Branch Lake Forest Bank & Trust Company, Lake Forest, Illinois, to 

establish a branch facility to be located at 1716 1st Avenue, 

Highland Park, Illinois.* 

18(c) State Bank of Howards Grove, Howards Grove, Wisconsin, to 

assume approximately $20 million in medical savings account 

deposits from Citizens Bank of Pennsylvania, Philadelphia, 

Pennsylvania.* 

Ending date of 

comment period 

Newspaper – 03/14/2002 

Newspaper – 03/20/2002 

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 

3(a)(3) The Baraboo Bancorporation, Inc., Baraboo, Wisconsin, to 

acquire 100 percent of The Bancorp, Inc., Cedarburg, Wisconsin 

and thereby indirectly acquire Northwoods State Bank, Elcho, 

Wisconsin.* 

3(a)(3) Gifford Bancorp, Inc. Employee Stock Ownership Plan, Gifford, 

Illinois, to acquire 100 percent of Gifford Bancorp, Inc., Gifford, 

Illinois and thereby indirectly acquire The Gifford State Bank, 

Gifford, Illinois.* 

3(a)(3) Metropolitan Bank Group, Inc., Chicago, Illinois, Metropolitan 

Bancorp, Inc., Chicago, Illinois and Plaza Bancorp, Inc., 

Norridge, Illinois, to acquire 100 percent of Firstcom Bancorp, 

Inc., Chicago, Illinois and thereby indirectly acquire The First 

Commercial Bank, Chicago, Illinois. 

3(a)(1) SBN Community Bancorp, Inc., Newburg, Wisconsin, to 

become a bank holding company by acquiring 100 percent of 

State Bank of Newburg, Newburg, Wisconsin.* 

Ending date of 

comment period 

Fed Reg – 04/01/2002 

Newspaper – 03/31/2002 

Fed Reg – 03/29/2002 

Newspaper – N/Avail 

Fed Reg – N/Avail 

Newspaper – N/Avail 

Fed Reg – 03/25/2002 

Newspaper – 03/14/2002 

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

Ending date of 

Type Application comment period 

None 

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

Type Application 

MIRA Spectrum Bancorporation, Inc., Omaha, Nebraska, for Andrew 

C. Hove, to form a director/management interlock with 

Spectrum Bancorporation, Inc., Omaha, Nebraska. 

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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

175140 Community First Bank 10/29/2001 03/12/2002 S X 

925 Wisconsin Avenue 

Boscobel, Wisconsin 53805-0307 

(608) 375-4117 

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 16, 2002

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Leitchfield Deposit Bank and Trust Company, Leitchfield, 

Kentucky, to establish a branch facility to be located at 1687 

Elizabethtown Road, Leitchfield, Kentucky.*

Newspaper - 4/1/2002

18(c) US Org 

Overseas 

Investment 

Branch

Arvest Bank, Fayetteville, Arkansas, to merge with Arvest 

Bank, Rogers, Arkansas, and to retain the acquired facilities as 

branch offices.* Also, in connection with the merger, Arvest 

Bank, Fayetteville, Arkansas, will acquire a limited-purposed 

foreign branch office in GeorgeTown, Grand Cayman, Cayman 

Islands, British West Indies, pursuant to Section 211.3(b)(1) of 

Regulation K. 

Newspaper – 4/10/2002

* 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

3A5C Commercial Bancshares, Inc., Maryland Heights, Missouri, to 

become a bank holding company by acquiring 100 percent of 

Commercial Bank, Maryland Heights, Missouri.

3A5C Liberty Bancshares, Inc., Jonesboro, Arkansas, to become a 

bank holding company by acquiring 100 percent of The Bank of 

Jonesboro, Jonesboro, Arkansas.

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 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3A1 CRSB Bancorp, Inc., Delano, Minnesota, to become a bank 

holding company by acquiring 99.91% of Crow River State 

Bank, Delano, Minnesota.* 

Newspaper – 01/23/2002 

Fed Reg – 01/28/2002 

CIC Donald G. Hansen, Mildred M. Hansen Trust and Mildred M. 

Hansen, as individual and trustee of the Mildred M. Hansen 

Trust, to retain control of Currie Bancorporation, Inc., Currie, 

Minnesota. 

Newspaper – N/Avail Fed 

Reg – 04/08/2002 

*Subject to the provisions of the Community Reinvestment Act. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

Withdrawal Valley Bank Dundas, Dundas, Minnesota, requests to 

voluntarily withdraw from membership in 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

642857 First Community Bank, 

Glasgow, Montana 

10/22/2001 03/12/2002 S X

637750 The Citizens State Bank of Choteau, 

Choteau, Montana 

11/26/2001 03/12/2002 S X

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, March 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period

Branch Premier Bank, Denver, Colorado, to establish a mobile branch Newspaper – 03/16/2002 

that will operate within a 35 mile radius of the 1630 Stout Street, 

Denver, Colorado branch. 

Branch Spirit Bank, Tulsa, Oklahoma, to establish a mobile branch that 

will operate from the 11217 North May Avenue branch location 

in Oklahoma City, Oklahoma. 

Newspaper – 03/21/2002 

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

Ending date of 

Type Application comment period 

CIC R.H. Krumme Testamentary Trust, Tulsa, Oklahoma; Diane 

Krumme Cox, Sands Springs, Oklahoma, both individually and 

as co-trustee of the R.H. Krumme Testamentary Trust; and Jill 

Krumme Burns, Tulsa, Oklahoma, both individually and as cotrustee of the R.H. Krumme Testa mentary Trust, to retain 

control of Falcon Bancorp, Inc., Anadarko, Oklahoma, parent of 

Anadarko Bank & Trust Company, Anadarko, Oklahoma. 

CIC Marilyn Myers Bouziden, Alva, Oklahoma, to acquire up to 

43.47 percent of the voting shares of Myers Bancshares, Inc., 

Alva, Oklahoma, parent of The Central National Bank in Alva, 

Alva, Oklahoma. 

Newspaper – 03/28/2002 

Fed Reg – 04/01/2002 

Newspaper – N/Available 

Fed Reg – 04/04/2002 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

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

Type Application 

None 

Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

142955 SpiritBank 

4815 S. Harvard Street, Suite 100 

Tulsa, Oklahoma 74135 

391557 Lakeside Bank of Salina 

321 W. Ferry Street 

Salina, Oklahoma 74365 

485054 Bank of Elgin 

101 N. 2nd Street 

Elgin, Nebraska 68636 

11/26/2001 03/11/2002 O X 

12/17/2001 03/14/2002 S X 

12/17/2001 03/15/2002 S X 

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 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

CIC The Jeff Austin, Jr. Dynasty Trust and The Laural P. (“Sissy”) Fed Reg – 03/14/2002 

Austin Dynasty Trust, both of Jacksonville, TX, to acquire an Newspaper – 03/14/2002 

interest in JSA Family Limited Partnership, Jacksonville, TX 

(previously reported the week ending March 2, 2002) 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

The Community Reinvestment Act is 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

726953 United Texas Bank 12/10/2001 03/19/2002 S X 

12222 Merit Dr., Suite 100 

Dallas, Texas 75251 

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 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3(a)(1) Plumas Bancorp, Quincy, California, to become a bank holding Newpaper – N/Avail Fed 

company by acquiring 100 percent of Plumas Bank, Quincy, Reg – 04/12/2002 

California.* 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

3(a)(5)(C) Town Center Bancorp, Portland, Oregon, to become a bank 

holding company by acquiring 100 percent of Town Center Bank, 

Portland, Oregon. 
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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None