Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 49

Week Ending December 4, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions November 28, 2004 to December 4, 2004

Bank Holding Companies

S&T Bancorp, Inc., Indiana, Pennsylvania -- to acquire up to 24.9 percent of Allegheny 

Valley Bancorp, Inc., Pittsburgh, and thereby acquire an interest in Allegheny Valley Bank 

of Pittsburgh.

- Approved, December 2, 2004 

Banks, Nonmember, And Miscellaneous Institutions

CLS Bank International, New York, New York -- to add the Hong Kong dollar, New 

Zealand dollar, Republic of Korea won, and South African rand to the list of currencies 

eligible for settlement in the Continuous Linked Settlement system.

- Approved, December 2, 2004 

Regulations And Policies

Bank Holding Company Rating System -- revised system for rating bank holding 

companies to more accurately reflect current supervisory practices (Docket No. OP1207).

- Approved, November 30, 2004 

Regulation Z (Truth in Lending) -- publication for comment of advance notice of 

proposed rulemaking on review of the open-end credit rules under the regulation (Docket 

No. R-1217).

- Approved, December 2, 2004 

Unsolicited Credit and Insurance -- report to the Congress on further restrictions on 

unsolicited written offers of credit and insurance.

- Approved, November 30, 2004 

Enforcement

Kenco Bancshares, Inc., Jayton, Texas -- issuance of a cease and desist order against 

Thomas C. Darden, a former institution-affiliated party, and written agreements between 

William J. Collier, an institution-affiliated party, and the Federal Reserve Bank of Dallas, 

and between Jesse L. Reese, an institution-affiliated party, and the Federal Reserve Bank 

of Dallas.

- Announced, December 2, 2004 

(AC) = Addition or Correction Board - Page 1 of 1
November 28, 2004 to December 4, 2004

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Bank of Whitman, Colfax, Washington -- to establish a branch at 1 West Alder Street, 

Walla Walla.

- Approved, November 29, 2004 

San Francisco

Citizens Deposit Bank & Trust, Inc., Vanceburg, Kentucky -- to establish a branch at 

191 Wal Mart Way, Maysville.

- Approved, December 1, 2004 

Cleveland

MainStreet Bank, Herndon, Virginia -- to establish a courier service to pick up noncash 

deposits from business customers in Alexandria and Fairfax and the counties of Arlington, 

Fairfax, Loudoun, and Prince William.

- Approved, December 3, 2004 

Richmond

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

at 200 Fifth Avenue, New York.

- Approved, December 3, 2004 

New York

RBC Centura Bank, Rocky Mount, North Carolina -- to establish branches at 18210 

Collins Avenue, Sunny Isles Beach, Florida, and 24123 A-14 Peachland Boulevard, Port 

Charlotte.

- Approved, November 29, 2004 

Richmond

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at 8251 Greensboro 

Boulevard, McLean.

- Approved, December 2, 2004 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority November 28, 2004 to December 4, 2004

Bank Holding Companies

Abington Mutual Holding Company, Jenkintown, Pennsylvania, and Abington Community 

Bancorp, Inc. -- to become bank holding companies in connection with the reorganization 

of Abington Savings Bank as a stock savings bank.

- Approved, December 1, 2004 

Philadelphia

Capitol Bancorp, Ltd., Lansing, Michigan -- to acquire Capitol Development Bancorp 

Limited I and thereby control Bank of Michigan, Farmington Hills, a de novo bank; and 

for Capitol Development Bancorp Limited I to become a bank holding company and to 

acquire shares of Bank of Michigan.

- Approved, November 30, 2004 

Chicago

Civitas BankGroup, Inc., Franklin, Tennessee -- to engage de novo in making, acquiring, 

brokering, or servicing loans or other extensions of credit, and to engage through Civitas 

Management Company, Inc. in activities related to extending credit.

- Approved, December 2, 2004 

Atlanta

First Live Oak Bancshares, Inc., Three Rivers, Texas, and First Live Oak Delaware 

Bancshares, Inc., Wilmington, Delaware -- to become bank holding companies and to 

acquire First State Bank, Three Rivers, Texas.

- Approved, December 1, 2004 

Dallas

Florida Choice Bankshares, Inc., Mt. Dora, Florida -- to become a bank holding 

company and to acquire Florida Choice Bank.

- Approved, December 3, 2004 

Atlanta

Franklin Resources, Inc., San Mateo, California -- to acquire 14 percent of Centennial 

Bank Holdings, Inc., Fort Collins, Colorado, and thereby acquire Centennial Bank of the 

West; Guaranty Corporation, Denver; Guaranty Bank and Trust Company; The First 

National Bank of Strasburg, Strasburg; and Collegiate Peaks Bank, Buena Vista.

- Approved, November 29, 2004 

San Francisco

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority November 28, 2004 to December 4, 2004

Bank Holding Companies

IB Bancshares, Inc., McKinney, Texas, and VB Bancshares, Inc., New Castle, 

Delaware -- to merge with First Celina Corporation, Celina, Texas, and thereby acquire 

The First State Bank.

- Approved, December 1, 2004 

Dallas

Independent Bancshares, Inc., Clarkfield, Minnesota -- to acquire Clarkfield Holding 

Company and thereby acquire Farmers and Merchants State Bank of Clarkfield.

- Approved, December 3, 2004 

Minneapolis

Park National Corporation, Newark, Ohio -- to acquire First Clermont Bank, Milford.

- Approved, November 29, 2004 

Cleveland

Vision Bank Holdings, Inc., Fargo, North Dakota -- to become a bank holding company 

and to acquire VISIONBank, a de novo bank.

- Approved, December 2, 2004 

Minneapolis

Bank Mergers

Citizens Deposit Bank & Trust, Inc., Vanceburg, Kentucky -- to merge with Bank of 

Germantown, Germantown, and thereby establish branches.

- Approved, December 1, 2004 

Cleveland

Dacotah Bank, Aberdeen, South Dakota -- to merge with Dacotah Bank, Rolla, North 

Dakota, and Dacotah Bank, Valley City, and thereby establish branches.

- Approved, December 2, 2004 

Minneapolis

Peoples State Bank of Plainview, Plainview, Minnesota -- to merge with Red Cedar 

Bank, National Association, Boyceville, Wisconsin, and thereby establish branches in 

Boyceville and Menomonie.

- Approved, December 3, 2004 

Minneapolis

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority November 28, 2004 to December 4, 2004

Bank Mergers

Prospect Bank, Columbus, Ohio -- to merge with Sky Bank, Salineville.

- Approved, December 2, 2004 

Cleveland

Change In Bank Control

CNB Corp, Shenandoah, Iowa -- change in bank control.

- Permitted, December 3, 2004 

Chicago

First International Bancorp Texas, Inc, Plano, Texas -- change in bank control.

- Permitted, November 30, 2004 

Dallas

Hancock Bancorp, Inc., Hawesville, Kentucky -- change in bank control.

- Permitted, December 2, 2004 

St. Louis

Krause Financial, Inc., Winnebago, Minnesota -- change in bank control.

- Permitted, December 2, 2004 

Minneapolis

NATCOM Bancshares, Inc., Superior, Wisconsin -- change in bank control.

- Permitted, December 2, 2004 

Minneapolis

Competitive Factors Reports

Central Bank Illinois, Geneseo, Illinois -- report on competitive factors of the proposed 

merger with Central Bank Fulton, Fulton.

- Submitted, November 30, 2004 

Chicago

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

factors of the proposed merger with Union Bank of Florida, Lauderhill, Florida, in 

connection with a corporate reorganization.

- Submitted, December 1, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority November 28, 2004 to December 4, 2004

Competitive Factors Reports

Community State Bank, Indianola, Iowa -- report on competitive factors of the proposed 

merger with Fort Des Moines Community Bank, Des Moines.

- Submitted, November 30, 2004 

Chicago

Community State Bank, Norwalk, Wisconsin -- report on competitive factors of the 

proposed acquisition of the Wilton branch of State Bank of La Crosse, La Crosse.

- Submitted, November 30, 2004 

Chicago

First Federal Savings and Loan Association of Mattoon, Mattoon, Illinois -- report on 

competitive factors of the proposed merger with Okaw Building and Loan S.B.

- Submitted, November 30, 2004 

Chicago

First National Bank of Abilene, Abilene, Texas -- report on competitive factors of the 

proposed merger with The Peoples State Bank, Clyde.

- Submitted, December 1, 2004 

Dallas

First State Bank, Three Rivers, Texas -- report on competitive factors of the proposed 

merger with New Three Rivers, Inc.

- Submitted, December 3, 2004 

Dallas

Fiserv Trust Company, Denver, Colorado -- report on competitive factors of the 

proposed merger with Lincoln Trust Company.

- Submitted, November 30, 2004 

Kansas City

Fleet National Bank, Providence, Rhode Island -- report on competitive factors of the 

proposed merger with Fleet Maine, National Association, South Portland, Maine.

- Submitted, December 2, 2004 

Richmond

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority November 28, 2004 to December 4, 2004

Competitive Factors Reports

GE Capital Consumer Card Company, Mason, Ohio -- report on competitive factors of 

the proposed merger with Monogram Credit Card Bank of Georgia, Alpharetta, Georgia.

- Submitted, November 29, 2004 

Cleveland

HSBC Private Bank International, Miami, Florida -- report on competitive factors of the 

proposed merger with HSBC Bank USA, N.A., Wilmington, Delaware, in connection 

with a corporate reorganization.

- Submitted, December 2, 2004 

Atlanta

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

merger with Regional Bank, New Albany.

- Submitted, November 30, 2004 

Chicago

Peoples Community Bank, Colquitt, Georgia -- report on competitive factors of the 

proposed merger with Peoples Community Bank, Columbia, Alabama, and PCB, The 

Community Bank, Malone, Florida, in connection with a corporate reorganization.

- Submitted, December 1, 2004 

Atlanta

Van Horn State Bank, Van Horn, Texas -- report on competitive factors of the proposed 

merger with First National Bank, Lubbock.

- Submitted, December 2, 2004 

Dallas

(AC) = Addition or Correction Delegated - Page 6 of 6
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, December 4, 2004

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, December 4, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Bank of Baroda, Mumbai, India, to establish a state-licensed 

branch in Houston, Texas.

Newspaper – N/Avail

FBSEA R-G Premier Bank of Puerto Rico, Hato Rey, Puerto Rico, to 

establish an agency in Casselberry, Florida.

Newspaper – 12/23/2004

Branch Tioga State Bank, Spencer, New York, to establish a branch 

office at 185 Conklin Avenue, Town of Binghamton, County of 

Broome, New York.

Newspaper – 12/11/2004

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

Foreign Branch Citibank, N.A., New York, New York, to establish a foreign 

branch in Kuwait City, Kuwait.
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, December 4, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Susquehanna Patriot Bank, Marlton, NJ, to establish a branch 

office located at 901 Fayette Street, Conshohocken, PA.

Newspaper – 12/17/2004

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, December 4, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Fifth Third Bank, Grand Rapids, MI to establish a branch 

facility at 11590 North Meridian, Carmel, Indiana

Newspaper – 12/14/2004

*Branch Fifth Third Bank, Grand Rapids, MI to establish a branch 

facility at 13681 East 116th Street, Fishers, Indiana

Newspaper – 12/14/2004

*5D3 OAKAR notice filed in connection with a bank merger 

application filed by Prospect Bank, Columbus, OH to merge 

with Sky Bank, Salineville, OH

Newspaper – 10/24/2004

*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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, December 4, 2004

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

2748650 Gateway Bank & Trust Co.

1145 N. Road Street

Elizabeth City, North Carolina 27909

09/20/2004 12/01/2004 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, December 4, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

4(c)(8) Firstrust Corporation, New Orleans, Louisiana, to acquire 100 

percent of the outstanding shares of Central Bank for Savings, 

Winona, Mississippi, and thereby engage in operating a savings 

association.* 

Newspaper – 12/13/2004

Fed Reg – 12/27/2004

3(a)(1) Georgia Trust Bancshares, Inc., Buford, Georgia, to become a 

bank holding company by acquiring 100 percent of the 

outstanding shares of Georgia Trust Bank, Buford, Georgia (in 

organization).*

Newspaper – 12/27/2004

Fed Reg – 12/23/2004

CIC TCB Bancshares, Inc., Crawford, Georgia, prior change in

control notice filed by Mr. Charles C. Brooks, Crawford,

Georgia, to acquire an additional 2.2 percent of the outstanding 

shares of TCB Bancshares, Inc., and its subsidiary, The

Commercial Bank, both of Crawford, Georgia. Total ownership 

will equal 23.64 percent.

Newspaper – 12/22/2004

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

3(a)(1) FirstBank Financial Services, Inc., McDonough, Georgia, notice 

to become a bank holding company by acquiring First Bank of 

Henry County, McDonough, Georgia.

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, December 4, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch 1st Source Bank, South Bend, Indiana, to establish a branch 

facility to be located at 12850 State Road 23, Granger, Indiana.*

Newspaper – 12/14/2004

18C Rockford Bank and Trust Company (in organization), Rockford, 

Illinois, to purchase the assets and assume the liabilities of the 

Rockford, Illinois branch of Quad City Bank and Trust 

Company, Bettendorf, Iowa.*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Main Street Trust, Inc., Champaign, Illinois, to acquire 100 

percent of the voting stock of Citizens First Financial Corp., 

Bloomington, Illinois, and thereby indirectly acquire Citizens 

Savings Bank, Bloomington, Illinois.*

Fed Reg – 01/03/2005

Newspaper – N/Avail

3(a)(3) QCR Holdings, Inc., Moline, Illinois, to acquire 100 percent of 

Rockford Bank and Trust Company (in organization), Rockford, 

Illinois.*

Fed Reg – 12/10/2004

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

Membership Rockford Bank and Trust Company (in organization), Rockford, 

Illinois, to become a member of the Federal Reserve System.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, December 4, 2004

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

3A3 Home Bancshares, Inc., Conway, Arkansas, to acquire 20 

percent of White River Bancshares Company, Fayetteville, 

Arkansas (in organization), and thereby indirectly acquire 

Signature Bank of Arkansas, Fayetteville, Arkansas (formerly 

First Bank of South Arkansas, Camden, Arkansas). (Previously 

reported during the week ended November 27, 2004)*

Newspaper – 12/18/2004

Fed Reg – 12/23/2004

3A3 Home Bancshares, Inc., Conway, Arkansas, to acquire an 

additional 68 percent, for total ownership of 100 percent, of 

TCBancorp, Inc., North Little Rock, Arkansas, and thereby 

indirectly acquire Twin City Bank, North Little Rock, 

Arkansas.*

Newspaper – 12/25/2004

Fed Reg – 01/03/2005

* 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, December 4, 2004

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) Maximum Holding International, Inc., Brooklyn Park,

Minnesota, to become a bank holding company by acquiring 100 

percent of First Security Bank - Sanborn, Sanborn, Minnesota.*

Fed Reg – 12/20/2004

Newspaper – N/Avail

3(a)(1) & 4(c)(8) Western Transaction Corporation, Duluth, Minnesota, to become 

a bank holding company by acquiring 100% of Western 

National Bank, Duluth, Minnesota; and 100% of Cass Lake

Company, Duluth, Minnesota, and thereby indirectly acquiring 

The First National Bank of Cass Lake, Cass Lake, Minnesota. 

Applicant also proposes to acquire 100% of Premier Credit

Corporation, Duluth, Minnesota, an industrialloan company, 

and, through Cass Lake Company, Duluth, Minnesota, to engage 

in insurance agency activities in a town with a population not 

exceeding 5,000.*

Fed Reg – 12/09/2004

Newspaper – 12/04/2004

* 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

Investment U.S. Bank, N.A., Cincinnati, Ohio, through NOVA European 

Holdings Company, Minneapolis, Minnesota, an agreement

corporation, to investment up to an additional$60 million in 

NOVA EuroConex Holdings, C.V. and its subsidiaries over the 

next 12 months, commencing December 30, 2004, pursuant to 

section 211.9 (f) of Regulation K.

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, December 4, 2004

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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, December 4, 2004

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 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, December 4, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Independent Bank of Texas, Irving, TX, to establish a courier 

service branch (to serve Dallas and Tarrant counties)*

Newspaper – 12/14/2004

Branch PlainsCapital Bank, Lubbock, TX, to establish five branches at

1629 West Hebron Parkway, Carrollton, TX 75010 (courier 

service); 18111 Preston Road, Dallas, TX 75252 (courier 

service); 5010 University Avenue, Lubbock, TX 79413 (courier 

service); 777 Taylor Street, Suite 102, Fort Worth, TX 76102; 

and 6001 Sherry Lane, Dallas, TX 75225* (previously reported 

the week ending November 27, 2004)

Newspaper – 12/08/2004

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) SBT Bancshares, Inc., Irving, TX, and SBT Bancshares of 

Delaware, Inc., Wilmington, DE, to acquire State Bank of 

Texas, Irving, TX*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(1) SBT Bancshares of Delaware, Inc., Wilmington, DE, to acquire 

State Bank of Texas, Irving, TX*

Fed Reg – N/Avail

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

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, December 4, 2004

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) Great Western Bancorp, Inc., Phoenix, Arizona, to become a 

bank holding company by acquiring at least 45 percent of 

Western National Bank (In Organization), Phoenix, Arizona.*

Newspaper – 12/27/2004

Fed Reg – 12/30/2004

* 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