Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 4

Week Ending January 22, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions January 16, 2005 to January 22, 2005

Bank Holding Companies

Toronto-Dominion Bank, Toronto, Canada -- to acquire 51 percent of the shares of 

Banknorth Group, Inc., Portland, Maine, and its subsidiary, Banknorth, National 

Association.

- Approved, January 18, 2005 

(AC) = Addition or Correction Board - Page 1 of 1
January 16, 2005 to January 22, 2005

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

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at the intersection of 

Southwest 19th Street and South Santa Fe Avenue, Moore, Oklahoma.

- Approved, January 20, 2005 

St. Louis

Pacific Mercantile Bank, Costa Mesa, California -- to establish a branch at 3257 

East Guasti Road, Ontario.

- Approved, January 21, 2005 

San Francisco

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 2535 Apalachee 

Parkway, Tallahassee, Florida.

- Approved, January 21, 2005 

Atlanta

Bank Holding Companies

American Central Bancorporation, Inc., Springfield, Illinois -- to acquire American 

Central Financial Group, Inc. and thereby acquire The Bank, Charleston, and 

Farmers State Bank of Fulton County, Lewistown.

- Approved, January 18, 2005 

Chicago

One World Holdings, Inc., Dallas, Texas -- to become a bank holding company and 

to acquire One World Bank, a de novo bank.

- Approved, January 21, 2005 

Dallas

Bank Mergers

Bank of Tazewell County, Tazewell, Virginia -- to acquire certain assets and 

assume certain liabilities of the Tazewell and Cedar Bluff branches of Planters 

Bank & Trust Company of Virginia, Staunton.

- Approved, January 18, 2005 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 4
H.2 Actions under delegated authority January 16, 2005 to January 22, 2005

Bank Mergers

SunTrust Bank, Atlanta, Georgia -- to merge with SunTrust BankCard, National 

Association, Orlando, Florida, and National Bank of Commerce, Memphis, 

Tennessee.

- Approved, January 21, 2005 

Atlanta

Change In Bank Control

Investors Financial Corporation of Pettis County, Inc., Sedalia, Missouri -- change 

in bank control.

- Permitted, January 19, 2005 

Kansas City

Landmark Financial Holding Company, Sarasota, Florida -- change in bank control.

- Permitted, January 19, 2005 

Atlanta

Pepperell Bancshares Financial Group, Inc., Biddeford, Maine -- to retain control of 

Pepperell Bancshares Financial Group, Inc.

- Permitted, January 20, 2005 

Boston

Valley Bancshares, Inc., Russellville, Alabama -- to retain control of Valley 

Bancshares, Inc. and Valley State Bank.

- Permitted, January 21, 2005 

Atlanta

Competitive Factors Reports

Atlantic Trust Company, National Association, Boston, Massachusetts, and Atlantic 

Trust Company (Atlantic), National Association, Washington, D.C. -- report on 

competitive factors of the proposed merger with Atlantic Trust, National 

Association, Chicago, Illinois, an interim bank.

- Submitted, January 20, 2005 

Boston

(AC) = Addition or Correction Delegated - Page 2 of 4
H.2 Actions under delegated authority January 16, 2005 to January 22, 2005

Competitive Factors Reports

Farmers and Merchants Bank & Trust, Hagerstown, Maryland -- report on 

competitive factors of the proposed mergers with Susquehanna Bank, Baltimore; 

Citizens Bank of Southern Pennsylvania, Greencastle, Pennsylvania; and First 

American Bank of Pennsylvania, Everett.

- Submitted, January 19, 2005 

Philadelphia

The Hemisphere National Bank, Miami, Florida -- report on competitive factors of 

the proposed merger with Sequoia National Bank, San Francisco, California.

- Submitted, January 20, 2005 

Atlanta

The Legacy Bank, Harrisburg, Pennsylvania -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the McAdoo branch of 

Harleysville National Bank, Harleysville.

- Submitted, January 21, 2005 

Philadelphia

The Rome Savings Bank, Rome, New York -- report on competitive factors of the 

proposed mergers with Rome Interim Savings Bank I, Rome Interim Savings Bank 

II, and Rome Bancorp Interim Savings Bank I as part of a conversion by Rome, 

MHC from a mutual to a stock company.

- Submitted, January 19, 2005 

New York

WashingtonFirst Bank, Washington, D.C. -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Sterling, Virginia, 

branch of Greater Atlantic Bank, Reston.

- Submitted, January 21, 2005 

Richmond

Extensions Of Time

1st United Bank, Boca Raton, Florida -- extension to February 19, 2006, to establish 

a branch at 307 Evernia Street, West Palm Beach.

- Granted, January 20, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 4
H.2 Actions under delegated authority January 16, 2005 to January 22, 2005

Extensions Of Time

GB&T Bancshares, Inc., Gainesville, Georgia -- extension to May 22, 2005, to 

merge with FNBG Bancshares, Inc., Duluth, and thereby acquire its subsidiary, 

First National Bank of Gwinnett.

- Granted, January 18, 2005 

Atlanta

International Brotherhood of Boilermakers, Iron Ship Builders, Blacksmiths, 

Forgers and Helpers, Kansas City, Kansas -- extension to March 28, 2006, to 

acquire up to 47.5 percent of the shares of Brotherhood Bancshares, Inc., parent of 

Brotherhood Bank & Trust Company.

- Granted, January 18, 2005 

Kansas City

Regions Bank, Birmingham, Alabama -- extension to February 23, 2006, to 

establish a branch at 11882 East Colonial Drive, Orlando, Florida.

- Granted, January 20, 2005 

Atlanta

Membership

Bank of Nebraska, La Vista, Nebraska -- to become a member of the Federal 

Reserve System.

- Approved, January 18, 2005 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 4
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, January 22, 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) GSB, MHC, Greenfield, Massachusetts - request for prior 

approval to become a bank holding company through the 

acquisition of 100% of the voting shares of Greenfield Savings 

Bank, Greenfield, Massachusetts

Newspaper – 01/10/2005

Fed Reg – 01/10/2005

3(a)(3) & 3(a)(1) Charter Oak Community Bank Corp., Rockville, Connecticut -

to acquire 55% of Rockville Financial, Inc., Rockville, 

Connecticut (RFI) and for RFI to become a bank holding 

company through its acquisition of 100% of Rockville Bank, 

Rockville, Connecticut 

Newspaper – 02/12/2005

Fed Reg – 02/17/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, January 22, 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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, January 22, 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) Prudential Mutual Holding Company, Philadelphia, PA,

and Prudential Bancorp, Inc. of Pennsylvania,

Philadelphia, PA, each to become bank holding companies

in connection with the reorganization of Prudential Savings 

Bank, Philadelphia, PA, converting from a state chartered 

mutual savings bank, into a state chartered stock savings

bank..

Newspaper – 02/07/2005

Fed Reg – 02/11/2005

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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, January 22, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*18(c) & Branch Community First Bank & Trust, Celina, OH to merge with 

Fidelity Federal Savings Bank, Marion, IN, pursuant to Section 

18(c) of the Federal Deposit Insurance Act and incident thereto 

establish branches pursuant to Section 9 of the Federal Reserve 

Act.

Newspaper – 02/14/2005

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 3588 

Gender Rd., Canal Winchester, OH.

Newspaper – 01/14/2005

*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) Central Bancshares, Inc., Lexington, KY to acquire First Bank, 

Inc., Louisville, KY, pursuant to Section 3(a)(3) of the Bank 

Holding Company Act.

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(1) Commodore Financial Network, Inc., Somerset, Ohio, proposed 

to become a bank holding company through the acquisition of 

Commodore Bank, Somerset, Ohio.

Newspaper – 02/18/2005

Fed Reg – N/Avail

*3(a)(1) Hometown Bancorp, Inc., Kent, OH to become a bank holding 

company through its acquisition of 100 percent of the voting 

shares of Home Savings Bank, Kent, OH pursuant to Section 

3(a)(1) of the Bank Holding Company Act.

Newspaper – N/Avail

Fed Reg – N/Avail

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, January 22, 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 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, January 22, 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) First Community Holding Company, to become a bank holding 

company by acquiring 100 percent of the outstanding shares of 

First Community Bank, both of Hammond, Louisiana.*

Newspaper – 01/09/2005

Fed Reg – 01/26/2005

CIC Great Financial Corporation, Miami, Florida, prior change in 

control notice filed by Mohammad Mehdi Ghomeshi, Miami, 

Florida, to acquire 27.04 percent of the outstanding shares of 

Great Financial Corporation, and its subsidiary, Great Florida 

Bank, both of Miami, Florida. Total ownership will equal 35.51 

percent.

Newspaper – 01/30/2005

Fed Reg – 02/02/2005

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

2837189 Palm Beach County Bank

2130 Centre Park West Drive

West Palm Beach, Florida 33409

(561) 684-5515

09/13/2004 01/19/2005 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, January 22, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Capitol Bancorp, Ltd., Lansing, Michigan, to acquire 51 percent 

of the voting shares of Peoples State Bank, Jeffersonville, 

Georgia.*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(3) Centrue Financial Corporation, Kankakee, Illinois, to acquire 

100 percent of the voting stock of Illinois Community Bancorp, 

Inc., Effingham, Illinois, and thereby indirectly acquire Illinois

Community Bank, Effingham, Illinois.*

Fed Reg – N/Avail

Newspaper – N/Avail

3(a)(1) Freedom Bancshares, Inc., Sheldon, Iowa, to become a bank 

holding company by acquiring 100 percent of Freedom Bank (in 

organization), Sheldon, Iowa.*

Fed Reg – 02/21/2005

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations sche duled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, January 22, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Cass Commercial Bank, Bridgeton, Missouri, to establish a 

branch facility to be located at 3000 W. MacArthur Boulevard, 

Suite 100, Santa Ana, California.*

Newspaper – 02/05/2005

* 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

3A1 SouthernTrust Bancshares, Inc., Goreville, Illinois, to become a 

bank holding company by acquiring 100 percent of 

SouthernTrust Bank, Goreville, Illinois (in organization).*

Newspaper – 02/12/2005

Fed Reg – 02/21/2005

* 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

4c8 Community First Bancshares, Inc., Harrison, Arkansas, to 

engage in data processing and management consulting activities 

through the acquisition of 25 percent of the voting shares of 

Mobius Technology Consulting, LLC, Springfield, Missouri.

Fed Reg – N/Avail

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, January 22, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(5) Glacier Bancorp, Inc., Kalispell, Montana, to acquire 100 

percent of the voting shares of Citizens Bank Holding Company, 

Pocatello, Idaho, and thereby indirectly acquire Citizens 

Community Bank, Pocatello, Idaho.*

Fed Reg – 02/11/2005

* 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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, January 22, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Notification by Jerry and Marlys Waldo, both of Republican 

City, Nebraska, to acquire control of Commercial State Holding 

Company, Inc., parent of Commercial State Bank, both of 

Republican City, Nebraska.

Newspaper – N/Avail

Fed Reg – 02/10/2005

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

85052 Uinta County State Bank

128 N. Birch Street

Mountain View, Wyoming 82939

10/19/2004 01/17/2005 SN 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, January 22, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Texas Star Bank, Van Alstyne, TX, to establish a branch at 

302 Preston Road, Celina, TX 75009*

Newspaper – 01/28/2005

*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

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, January 22, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)3 Western Sierra Bancorp, Cameron Park, California, to acquire 

100 percent of Gold Country Financial Services, Inc., 

Marysville, California, and thereby indirectly acquire its whollyowned subsidiary, Gold Country, N.A., Marysville, California.*

Newspaper – 02/13/2005

Fed Reg – 02/21/2005

* 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

871769 Farmers & Merchants Bank of Long 

Beach

302 Pine Avenue

Long Beach, California 90802

 (562) 437-0011

 09/27/2004 01/20/2005 O X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None