H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 29 

Week Ending July 16, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions July 10, 2005 to July 16, 2005 

Board Operations 

Labor Relations Panels -- reappointment of Joan Parker to the Federal Reserve 

System's two labor relations panels. 

- Approved, July 12, 2005 

Regulations And Policies 

Monetary Policy -- report to Congress. 

- Authorized, July 14, 2005 

Enforcement 

First Citizens Bank of Butte, Butte, Montana -- written agreement with the Federal 

Reserve Bank of Minneapolis and the Montana Division of Banking and Financial 

Institutions. 

- Announced, July 14, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority July 10, 2005 to July 16, 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 

Chicago 

American Trust & Savings Bank, Dubuque, Iowa -- to establish a branch at 1601 

60th Street, Suite 102, West Des Moines. 

- Approved, July 11, 2005 

Atlanta 

Bank of Alabama, Birmingham, Alabama -- to establish a branch at 260 West 

Valley Avenue. 

- Approved, July 14, 2005 

New York 

Chemung Canal Trust Company, Elmira, New York -- to establish branches at 806 

West Buffalo Street, Ithaca, and 904 Hanshaw Road. 

- Approved, July 14, 2005 

Chicago 

Community Bank of Boone, Boone, Iowa -- to establish a branch at 1750 Gateway 

Drive, Grimes. 

- Approved, July 13, 2005 

New York 

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 100 Homewood Way, Penn Township, Pennsylvania. 

- Approved, July 11, 2005 

Dallas 

PointBank, Pilot Point, Texas -- to establish a branch at 101 Avenue A, Denton. 

- Approved, July 13, 2005 

Atlanta 

Regions Bank, Birmingham, Alabama -- to establish a branch at 5050 Northgate 

Road, Rogers, Arkansas. 

- Approved, July 15, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 5 
H.2 Actions under delegated authority July 10, 2005 to July 16, 2005 

Bank Branches, Domestic 

Chicago 

Rockford Bank and Trust Company, Rockford, Illinois -- to establish a branch at 

4571 Guilford Road, Rockford. 

- Approved, July 12, 2005 

Bank Holding Companies 

Kansas City 

Ameribank Holding Company, Collinsville, Oklahoma -- to acquire up to 100 

percent of the shares of Boynton Holding Company, Inc., Muskogee, parent of 

Territory Bank. 

- Approved, July 15, 2005 

Boston 

Boston Private Financial Holdings, Inc., Boston, Massachusetts -- to acquire 

Gibraltar Financial Corporation, Coral Gables, Florida, and its subsidiary, Gibraltar 

Bank, FSB. 

- Approved, July 14, 2005 

Chicago 

Capitol Bancorp, Ltd., Lansing, Michigan, and Capitol Development Bancorp 

Limited I -- to acquire 51percent of the shares of Bank of San Francisco, San 

Francisco, California, a de novo bank. 

- Approved, July 15, 2005 

San Francisco 

Northwest Community Bancorp, Inc., Shoreline, Washington -- to become a bank 

holding company and to acquire Shoreline Bank. 

- Approved, July 12, 2005 

Atlanta 

Sapelo Bancshares, Inc., Darien, Georgia -- to acquire Sapelo National Bank. 

- Approved, July 15, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 5 
H.2 Actions under delegated authority July 10, 2005 to July 16, 2005 

Bank Mergers 

San Francisco 

Community Bank of Nevada, Las Vegas, Nevada -- to merge with Bank of 

Commerce, Henderson, and thereby acquire three branches of Bank of Commerce. 

- Approved, July 15, 2005 

Bank Premises 

Richmond 

The Bank of Marion, Marion, Virginia -- to increase its investment in bank 

premises. 

- Approved, July 13, 2005 

Change In Bank Control 

Chicago 

Bellwood Bancorporation, Inc., Bellwood, Illinois -- change in bank control. 

- Permitted, July 13, 2005 

Competitive Factors Reports 

Chicago 

Busey Bank, Urbana, Illinois -- report on competitive factors of the proposed 

merger with First Capital Bank, Peoria. 

- Submitted, July 12, 2005 

Chicago 

Centrue Bank, Kankakee, Illinois -- report on competitive factors of the proposed 

merger with Illinois Community Bank, Effingham. 

- Submitted, July 12, 2005 

San Francisco 

First Bank of Beverly Hills, Calabasas, California -- report on competitive factors 

of the proposed merger with First Bank of Beverly Hills, FSB. 

- Submitted, July 13, 2005 

San Francisco 

First California Bank, Camarillo, California -- report on competitive factors of the 

proposed merger with FCB Merger Corp. 

- Submitted, July 13, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 5 
H.2 Actions under delegated authority July 10, 2005 to July 16, 2005 

Competitive Factors Reports 

San Francisco 

Frontier Bank, Federal Savings Bank, Park City, Utah -- report on competitive 

factors of the proposed merger with Interim Frontier Bank, FSB. 

- Submitted, July 12, 2005 

Chicago 

McFarland State Bank, McFarland, Wisconsin -- report on competitive factors of 

the proposed merger with its investment subsidiary, McFarland Investment 

Corporation. 

- Submitted, July 12, 2005 

Boston 

NewAlliance Bank, New Haven, Connecticut -- report on competitive factors of the 

proposed merger with Conerstone Bank, Stamford. 

- Submitted, July 13, 2005 

San Francisco 

Venture Bank, Lacey, Washington -- report on competitive factors of the proposed 

merger with Redmond National Bank, Redmond. 

- Submitted, July 12, 2005 

San Francisco 

Washington Mutual Bank, Stockton, California -- report on competitive factors of 

the proposed merger with Providian National Bank, Tilton, New Hampshire. 

- Submitted, July 12, 2005 

Extensions Of Time 

Dallas 

FC Holdings, Inc., Houston, Texas, and First Community Holdings of Delaware, 

Inc., Wilmington, Delaware -- extension to August 7, 2005, to become bank holding 

companies and to acquire First Community Bank San Antonio, National 

Association, San Antonio, Texas. 

- Granted, July 13, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 5 
H.2 Actions under delegated authority July 10, 2005 to July 16, 2005 

Financial Holding Companies 

San Francisco 

City National Corporation, Beverly Hills, California -- election to become a 

financial holding company. 

- Effective, July 15, 2005 

International Operations 

Director, BS&R 

Citibank, N.A., New York, New York -- waiver of remainder of notification period 

to establish a branch in Kuwait City, Kuwait. 

- Granted, July 14, 2005 

Membership 

Chicago 

State Bank of the Lakes, Antioch, Illinois -- to become a member of the Federal 

Reserve System. 

- Approved, July 13, 2005 

(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, July 16, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Northeast Bank, Auburn, Maine - to open a branch at 500 Canal 

Street, Lewiston, Maine 

Newspaper – 07/14/2005

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

Type Application

Ending date of

comment period

3(a)(1) Salem Five Bancorp, Salem, Massachusetts - to become a 

mutual bank holding company through the acquisition of 100% 

of Salem Five Cents Savings Bank, Salem, Massachusetts

Newspaper – 08/07/2005

Fed Reg – 08/08/2005

3(a)(1) & 3(a)(3) 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 – N/Avail

Fed Reg – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

4(c)(8) Boston Private Financial Holdings, Inc., Boston, Massachusetts -

to acquire a net 9.7% additional interest in Bingham, Osborn & 

Scarborough LLC, San Francisco, California
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, July 16, 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

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 Parternship”), 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 partnership” pursuant to Section (o)(10) of the BHC Act. 

See Filing ID 59827-1.

Newspaper – N/Avail

Fed Reg – 07/25/2005

*3A3 New York Private Bank and Trust, and Emigrant Bancorp, both 

of New York, New York, request prior approval to acquire all of 

the outstanding capital stock of each of four new retail savings 

banks, pursuant to Section 3(a)(3) of the BHC Act. The existing 

Emigrant Savings Bank, New York, New York, will continue to 

serve its existing high net worth customer base.

Newspaper – 08/08/2005

Fed Reg – 08/11/2005

*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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, July 16, 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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, July 16, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Ohio Heritage Bank, Coshocton, OH to establish a branch on 

Yauger Road, Mount Vernon, OH

Newspaper – 07/22/2005

*Branch Ohio Heritage Bank, Coshocton, OH to establish a branch on 

21st Street, Newark, OH

Newspaper – 07/22/2005

*Subject to the provisions of the Community Reinvestgment Act

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

Type Application

Ending date of

comment period

CIC Notice by the Snyder Group of their intent to increase their 

ownership and thereby gain control of Merchants Bancorp of 

Pennsylvania, Inc., and indirectly, Merchants national Bank, 

both of Kittanning, Pennsylvania

Newspaper – 08/04/2005

Fed Reg – 07/26/2005

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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, July 16, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Monarch Bank, Chesapeake, Virginia, to establish a branch at 

4216 Virginia Beach Boulevard, Virginia Beach, Virginia.*

Newspaper – 07/23/2005

Branch Congressional Bank, Potomac, Maryland, to establish a branch 

at 1800 Michael Faraday Drive, Reston, Virginia.*

Newspaper – 07/24/2005

Branch Congressional Bank, Potomac, Maryland, to establish a branch 

at 2101 K Street, N.W., Washington, D. C.*

Newspaper – 07/24/2005

Branch Rockingham Heritage Bank, Harrisonburg, Virginia, to establish 

a branch at corner of Main Street and Springbrook Road, 

Broadway, Virginia.*

Newspaper – 07/24/2005

Branch Heritage Bank & Trust, Norfolk, Virginia, to establish a branch 

at 3500 Virginia Beach Boulevard, Virginia Beach, Virginia.*

Newspaper – 07/28/2005

*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

849432 The Bank of Monroe

38 Main Street

Union, West Virginia 24983

05/02/2005 07/14/2005 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, July 16, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

establish an international agency located in Miami, Florida.

Newspaper – N/Avail

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

located at 6408 I-45 South, Suite TBD, LaMarque, Texas.*

Newspaper – 07/14/2005

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

5420 Cormorant Avenue, Naples, Florida, to be known as The 

Strand at Naples Wal-Mart Office.*

Newspaper – 07/23/2005

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

1040 Malabar Road, S.E., Palm Bay, Florida, to be known as the 

Palm Bay Wal-Mart Office.*

Newspaper – 07/29/2005

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

5300 Ocean Shore Boulevard, Palm Coast, Florida, to be known 

as the Hammock Dunes Office.*

Newspaper – 07/24/2005

*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)(3) First Security Group, Inc., Chattanooga, Tennessee, to acquire 

100 percent Jackson Bank & Trust, Gainesboro, Tennessee.*

Newspaper – 07/22/2005

Fed Reg – 07/18/2005

3(a)(1) FirstFed Bancorp, Inc. Employee Stock Ownership Plan, 

Bessemer, Alabama, to become a bank holding company by 

acquiring 32 percent of the outstanding shares of FirstFed 

Bancorp, Inc., and its subsidiary, First Financial Bank, both of 

Bessemer, Alabama.*

Newspaper – N/Avail

Fed Reg – 08/15/2005

CIC Tennessee State Bancshares, Inc., Pigeon Forge, Tennessee, 

prior change in control notice to appoint Richard Todd Proffitt 

as substitute trustee of the Voting Trust Agreement. This 

arrangement will give Mr. Proffitt the authority to vote 59.26 

percent of the outstanding common stock of Tennessee State 

Bancshares, Inc., if the current trustee is unable to perform his 

duties.

Newspaper – N/Avail

Fed Reg – N/Avail

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

Type Application

Ending date of

comment period

None

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

Type Application

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, July 16, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, to 

establish branch facilities at the following locations: 1) Hanley 

Road and Monetary Boulevard, Hudson, Wisconsin; 2) 111 E. 

Kilbourn Avenue, Milwaukee, Wisconsin; 3) 109th Avenue and 

Hwy 65, Blaine, Minnesota, and 4) 34th Street North (Hwy 5) & 

Ideal Avenue North, Oakdale, Minnesota.*

Newspaper – 06/10/2005

Branch M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, to 

establish branch facilities at the following locations: 1) Happy 

Valley Road & 19th Avenue, Phoenix, Arizona; 2) 75th Avenue 

& Lower Buckeye Road, Phoenix, Arizona; and 3) Glassford 

Hill Road & Florentine Road, Prescott Valley, Arizona.*

Newspaper – 07/07/2005

* 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

3(a)(5) Associated Banc-Corp, Green Bay, Wisconsin, to merge with 

State Financial Services Corporation, Milwaukee, Wisconsin, 

and thereby indirectly acquire State Financial Bank, N.A., Hales 

Corners, Wisconsin.*

Fed Reg – 07/30/2005

Newspaper – N/Avail

3(a)(1) Commerce Financial Holdings, Inc., West Bend, Wisconsin, to 

become a bank holding company by acquiring 100 percent of the 

voting shares of Commerce State Bank (in organization), West 

Bend, Wisconsin.*

Fed Reg – 08/05/2005

Newspaper – N/Avail

3(a)(1) H.F. Gehant Bancorp, Inc., West Brooklyn, Illinois, to become a 

bank holding company by acquiring 100 percent of the voting 

shares of H.F. Gehant Banking Co., West Brooklyn, Illinois.*

Fed Reg – 08/12/2005

Newspaper – 08/11/2005

* 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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, July 16, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Community Bank, Lexington, Tennessee, to establish a branch 

facility to be located at 3200 North Highland Ave., Jackson, 

Tennessee. *

Newspaper – 07/14/2005

18C First Bank, Saint Louis, Missouri, to assume the deposit 

liabilities of the Roodhouse, Illinois, branch of Bank & Trust 

Company, Litchfield, Illinois. *

Newspaper – 08/15/2005

* 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

18C, 3A3, and

Branch

First Banks, Inc., Hazelwood, Missouri, and its subsidiary bank 

holding company, The San Francisco Company, San Francisco, 

California, to acquire 100 percent of Northway State Bank, 

Grayslake, Illinois. Also, First Bank, St. Louis, Missouri, to 

merge with Northway State Bank, Grayslake, Illinois, and to 

retain the acquired facilities as branch offices. *

Newspaper – 08/13/2005

Fed Reg – 08/12/2005

3A1 Kirksville Bancorp, Inc., Kirksville, Missouri, to become a bank 

holding company by acquiring 100 percent of American Trust 

Bank, Kirksville, Missouri (in formation). *

Newspaper – 07/25/2005

Fed Reg – 08/05/2005

* 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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, July 16, 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) Vision Bancshares, Inc., St. Louis Park, Minnesota to become a 

bank holding company by acquiring 100 percent of Vision Bank, 

St. Louis Park, Minnesota, a bank in organization.*

Fed Reg – 07/28/2005

Newspaper – 07/26/2005

* 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, July 16, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Colorado Bank & Trust Company, La Junta, Colorado, to 

establish a branch at 23051 East U.S. Highway 50, Pueblo, 

Colorado.

Newspaper – 07/15/2005

Branch Colorado Bank & Trust Company, La Junta, Colorado, to 

establish a mobile branch located and operated within a 60-mile 

radius of the Pueblo, Colorado branch.

Newspaper – 07/15/2005

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

Type Application

Ending date of

comment period

3(a)(1) Main Banc, Inc., Albuquerque, New Mexico, to become a bank 

holding company through the acquisition of 100 percent of the 

voting shares of InterAmerica Bank, both in Albuquerque, New 

Mexico.

Newspaper – 08/10/2005

Fed Reg – 08/08/2005

3(a)(3) First Centralia Bancshares, Inc., Centralia, Kansas, to directly 

acquire up to 14.33 percent of the voting shares of Century 

Capital Financial, Inc., Kilgore, Texas, parent of Century Capital 

Financial-Delaware, Inc., Wilmington, Delaware, parent of City 

National Bank, Kilgore, Texas.

Newspaper – 07/25/2005

Fed Reg – 07/30/2005

3(a)(3) First Centralia Bancshares, Inc., Centralia, Kansas, to indirectly 

acquire up to 35.80 percent of the voting shares of Century 

Capital Financial, Inc., Kilgore, Texas, held through Morrill 

Bancshares, Inc., Merriam, Kansas.

Newspaper – 07/25/2005

Fed Reg – 07/30/2005

3(a)(3) First Centralia Bancshares, Inc., Centralia, Kansas, to indirectly 

acquire up to 14.33 percent of the voting shares of Century 

Capital Financial, Inc., Kilgore, Texas, held through the 80.34 

percent ownership of FBC Financial Inc., Kilgore, Texas, by 

Morrill Bancshares, Inc., Merriam, Kansas.

Newspaper – 07/25/2005

Fed Reg – 07/30/2005

3(a)(3) Bank of Choice Holding Company, Evans, Colorado, to acquire 

100 percent of the voting shares of Colonial Bancorp, Aurora, 

Colorado, parent of Colonial Bank, Aurora, Colorado.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

3(a)(3) Morrill Bancshares, Inc., Merriam, Kansas, to directly acquire 

up to 35.80 percent of the voting shares of Century Capital 

Financial, Inc., Kilgore, Texas, parent of Century Capital 

Financial-Delaware, Inc., Wilmington, Delaware, parent of City 

National Bank, Kilgore, Texas.

Newspaper – 07/25/2005

Fed Reg – 07/30/2005

3(a)(3) Morrill Bancshares, Inc., Merriam, Kansas, to indirectly acquire 

up to 14.33 percent of the voting shares of Century Capital 

Financial, Inc., Kilgore, Texas, held through FBC Financial 

Corporation, Claremore, Oklahoma.

Newspaper – 07/25/2005

Fed Reg – 07/30/2005

3(a)(3) Davis Bancorporation, Inc., Davis, Oklahoma, to directly 

acquire up to 17.90 percent of the voting shares of Century 

Capital Financial, Inc., Kilgore, Texas, parent of Century Capital 

Financial-Delaware, Inc., Wilmington, Delaware, parent of City 

National Bank, Kilgore, Texas.

Newspaper – 07/25/2005

Fed Reg – 07/30/2005

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

Investment in 

Bank Premises

Colorado Bank & Trust Company, La Junta, Colorado, to 

increase its investment in bank premises.
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, July 16, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Texas State Bank, McAllen, Texas, to establish a branch at 4200 

Montrose Blvd., Houston, Texas 77006.

Newspaper – 07/26/2005

* 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

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, July 16, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18CBranch East West Bank, San Marino, California, to merge with United 

National Bank, San Marino, California, and thereby acquire ten 

branch offices in California and one branch office in Texas of 

United National Bank.*

Newspaper – 08/05/2005

* 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

3(a)(3) Eggemeyer Advisory Corp., WJR Corp., Castle Creek Capital 

LLC, Castle Creek Capital Partners Fund 1, LP, Castle Creek 

Capital Partners Fund IIa, LP, and Castle Creek Capital Partners 

Fund IIb, LP, all of Rancho Santa Fe, California, to indirectly 

acquire Heritage Financial Corporation, Granbury, Texas; and 

State National Bancshares, Inc., Forth Worth, Texas, to directly 

acquire 100 percent of Heritage Financial Corporation, 

Granbury, Texas, and thereby indirectly acquire Heritage 

Associated Services, Inc., Carson City, Nevada, and Heritage 

National Bank, Granbury, Texas.*

Newspaper – 08/14/2005 

Fed Reg – 08/11/2005

3(a)(3) WJR Corp., Eggemeyer Advisory Corp., Castle Creek Capital 

LLC, Castle Creek Capital Partners Fund 1, LP, Castle Creek 

Capital Partners Fund IIa, LP, and Castle Creek Capital Partners 

Fund IIb, LP, all of Rancho Santa Fe, California, to indirectly 

acquire Heritage Financial Corporation, Granbury, Texas; and 

State National Bancshares, Inc., Forth Worth, Texas, to directly 

acquire 100 percent of Heritage Financial Corporation, 

Granbury, Texas, and thereby indirectly acquire Heritage 

Associated Services, Inc., Carson City, Nevada, and Heritage 

National Bank, Granbury, Texas.*

Newspaper – 08/14/2005

Fed Reg – 08/11/2005

3(a)(1) Mission Valley Bancorp, Sun Valley, California, to become a 

bank holding company by acquiring 100 percent of Mission 

Valley Bank, Sun Valley, California.* 

Newspaper – N/Avail

Fed Reg – 08/08/2005
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC Mariane Boyd Johnson, Las Vegas, Nevada, to acquire 

approximately 22.4 percent of the voting shares of Western 

Alliancce Bancorporation, Las Vegas, Nevada, and thereby 

indirectly acquire shares of BankWest of Nevada, Las Vegas, 

Nevada, Torrey Pines Bank, San Diego, California, and Alliance 

Bank of Arizona, Phoenix, Arizona.*

Newspaper – 08/01/2005

Fed Reg – 08/02/2005

* 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.
Section V – Availability of CRA public evaluations

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