Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 14

Week Ending April 7, 2001

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions April 1, 2001 to April 7, 2001

Testimony And Statements

Merchant banking activities -- statement by Governor Meyer before the 

Subcommittee on Capital Markets, Insurance, and Government Sponsored 

Enterprises and Subcommittee on Financial Institutions and Consumer Credit of the 

House Committee on Financial Services.

- Published, April 4, 2001 

Trade policy -- statement by Chairman Greenspan before the Senate Finance 

Committee.

- Published, April 4, 2001 

Forms

Forms -- initial review of proposal to extend the Written Security Program for State 

Member Banks report (FR 4004).

- Proposed, March 26, 2001 (AC)

Regulations And Policies

Policy Statement on Payments System Risk -- elimination of the Fedwire third-party 

access policy [Docket No. R-1100].

- Approved, April 4, 2001 

(AC) = Addition or Correction Board - Page 1 of 1
April 1, 2001 to April 7, 2001

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

International Fiance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Allfirst Bank, Baltimore, Maryland -- to establish a branch at Shrewsbury Lutheran 

Home, 800 Bollinger Drive, Shrewsbury, Pennsylvania.

- Approved, April 5, 2001 

Secretary

Allfirst Bank, Baltimore, Maryland -- to establish a branch at 2525 Pot Spring Road, 

Timonium.

- Approved, April 6, 2001 

Secretary

Fifth Third Bank, Florence, Kentucky -- to establish a branch at 2064 Declaration 

Drive, Independence.

- Approved, April 6, 2001 

Cleveland

Fifth Third Bank, Kentucky, Inc., Louisville, Kentucky -- to establish a branch at 

1580 Leestown Road, Lexington.

- Approved, April 4, 2001 

St. Louis

Platte Valley State Bank and Trust Company, Kearney, Nebraska -- to establish a 

branch at 1451 North Webb Road, Grand Island.

- Approved, April 4, 2001 

Kansas City

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

191st and 88th Avenue, Mokena.

- Approved, April 4, 2001 

Chicago

Southern Financial Bank, Warrenton, Virginia -- to establish a branch at 6354 

Walker Lane, Alexandria.

- Approved, April 5, 2001 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority April 1, 2001 to April 7, 2001

Bank Branches, Domestic

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 1745 East Nine 

Mile Road, Pensacola, Florida.

- Approved, April 2, 2001 

Atlanta

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 6093 U.S. 

Highway 98 West, Hattiesburg, Mississippi.

- Approved, April 4, 2001 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 2401 N. Charles Street, 

Baltimore, Maryland.

- Approved, April 3, 2001 

Atlanta

Bank Holding Companies

Ames National Corporation, Ames, Iowa -- to increase its investment in Mahaska 

Investment Company, Oskaloosa, and thereby acquire Midwest Federal Savings and 

Loan Association of Eastern Iowa, Burlington, and Central Valley Bank, Ottumwa.

- Approved, April 5, 2001 

Chicago

BB&T Corporation, Winston-Salem, North Carolina -- to acquire Virginia Capital 

Bancshares, Inc., Fredericksburg, Virginia.

- Approved, April 5, 2001 

Richmond

Center Financial Corporation, Los Angeles, California -- to become a bank holding 

company through the acquisition of California Center Bank.

- Withdrawn, March 23, 2001 (AC)

San Francisco

First Mid-Illinois Bancshares, Inc., Mattoon, Illinois -- waiver of application in 

connection with the acquisition of American Bank of Illinois, Highland, through 

merger with Bancshares' subsidiary, First Mid-Illinois Bank & Trust, N.A.

- Granted, April 5, 2001 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority April 1, 2001 to April 7, 2001

Bank Holding Companies

FNBH Bancorp, Inc., Howell, Michigan -- transfer agent registration.

- Approved, April 5, 2001 

Director, BS&R

Giant Holdings, Inc., Fort Lauderdale, Florida -- to become a bank holding company 

through the acquisition of Landmark Bank, N.A.

- Approved, March 30, 2001 (AC)

Atlanta

Gulfstream Bancshares, Inc., Stuart, Florida -- to become a bank holding company 

through the acquisition of Gulfstream Business Bank.

- Approved, April 6, 2001 

Atlanta

Highlands Bankshares, Inc., Petersburg, West Virginia -- transfer agent registration.

- Withdrawn, April 5, 2001 

Director, BS&R

Ida Grove Bancshares, Inc., Ida Grove, Iowa -- to acquire an interest in Alliance 

Bancshares, Inc., Rockwell City, and thereby acquire Alliance Bank.

- Approved, April 5, 2001 

Chicago

Independent Bankers Financial Corp, Irving, Texas, and IBFC Nevada Corporation, 

Reno, Nevada; and Texas Community Bancshares, Inc., Dallas, Texas, and First 

Lakewood, Inc., Dover, Delaware -- to acquire Trust Management Network, LLC, 

Dallas, Texas, and thereby engage in trust company, financial and investment 

advisory, management consulting and counseling, and data processing activities.

- Approved, April 2, 2001 

Dallas

Shamrock Bancshares Employee Stock Ownership Plan (ESOP), Coalgate, 

Oklahoma -- to become a bank holding company through the acquisition of 

additional shares of Shamrock Bancshares, Inc., and thereby acquire First National 

Bank, Coalgate; First National Bank, Mountain View; Bryan County National Bank, 

Caddo; Clayton State Bank, Clayton; and First Bank of Apache, Apache.

- Approved, April 5, 2001 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority April 1, 2001 to April 7, 2001

Bank Holding Companies

State Financial Services Corporation, Hales Corners, Wisconsin -- waiver of 

application in connection with the merger of its subsidiary bank, State Financial 

Bank, National Association, with Liberty Bank, Milwaukee, a subsidiary of LB 

Bancorp, Inc., and the acquisition of LB Bancorp.

- Granted, April 5, 2001 

Chicago

Sun Bancorp, Inc., Selinsgrove, Pennsylvania -- waiver request in connection with 

the proposed acquisition of Guaranty Bank, N.A., Shamokin, and its merger with 

Bancorp's subsidiary, Sun Bank, Selinsgrove.

- Granted, April 5, 2001 

Philadelphia

TRB Bancorp, Inc., Dallas, Texas -- to become a bank holding company through the 

acquisition of Greenbelt Bancshares, Inc., Quanah, and The Security National Bank 

in Quanah.

- Withdrawn, April 4, 2001 

Dallas

Valley Bancorp, Henderson, Nevada -- to acquire shares of Valley Bank.

- Approved, April 5, 2001 

San Francisco

Wells Fargo & Company, San Francisco, California -- to acquire ACO Brokerage 

Holdings Corporation, Chicago, Illinois, and its subsidiaries, and thereby engage in 

investment and financial advisory, employee benefits consulting, insurance agency, 

and data processing activities.

- Withdrawn, April 6, 2001 

San Francisco

Zumbrota Agency, Inc., Zumbrota, Minnesota -- to purchase, through its subsidiary, 

Pine Island Bancshares, Inc., certain assets of the Larsen Insurance Agency and 

Herman Insurance Agency, and thereby engage in general insurance agency activities 

in Pine Island, a community with a population not exceeding 5,000.

- Approved, April 5, 2001 

Minneapolis

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority April 1, 2001 to April 7, 2001

Bank Mergers

Rolling Hills Bank and Trust, Atlantic, Iowa -- to merge with Rippey Savings Bank, 

Rippey, and thereby establish a branch at 214 Main Street.

- Approved, April 5, 2001 

Chicago

Bank Premises

Gunnison Bank and Trust Company, Gunnison, Colorado -- to invest in bank 

premises.

- Approved, April 4, 2001 

Kansas City

Change In Bank Control

Citizens Holding Company, Philadelphia, Mississippi, and The Citizens Bank of 

Philadelphia -- change in bank control.

- Permitted, April 6, 2001 

Atlanta

FNC, Inc., Storm Lake, Iowa -- change in bank control.

- Permitted, April 3, 2001 

Chicago

Competitive Factors Reports

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

proposed merger with Grand Bank, Rockville, Maryland.

- Submitted, April 2, 2001 

Richmond

City Bank, Lubbock, Texas -- report on competitive factors of the proposed merger 

with The Farmers National Bank of Forney, Forney.

- Submitted, April 5, 2001 

Dallas

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority April 1, 2001 to April 7, 2001

Competitive Factors Reports

City National Bank of New Jersey, Newark, New Jersey -- report on competitive 

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

of Carver Federal Savings Bank, New York, New York, at 2815 Atlantic Avenue, 

Brooklyn.

- Submitted, April 6, 2001 

New York

Everbank, FSB, St. Louis, Missouri -- report on competitive factors of the proposed 

purchase of certain assets and assumption of certain liabilities from Wilmington 

Savings Fund Society, FSB, Wilmington, Delaware.

- Submitted, April 4, 2001 

St. Louis

First Volunteer Bank of Tennessee, Chattanooga, Tennessee -- report on competitive 

factors of the proposed merger with First Volunteer Bank of the Upper 

Cumberlands, Jamestown.

- Submitted, April 3, 2001 

Atlanta

Greensfork Merger Bank, Spartanburg, Indiana -- report on competitive factors of 

the proposed merger with Greensfork Township State Bank.

- Withdrawn, April 2, 2001 

Chicago

Heartland Bank and Trust Company, Bloomington, Illinois -- report on competitive 

factors of the proposed merger with First State Bank of Pekin, Pekin.

- Submitted, April 2, 2001 

Chicago

Home Federal Savings Bank, Sioux Falls, South Dakota -- report on competitive 

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

of the branches of Commercial Federal Bank, Omaha, Nebraska, in Albert Lea, 

Austin, Mankato, and Rochester, all in Minnesota.

- Submitted, April 6, 2001 

Minneapolis

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority April 1, 2001 to April 7, 2001

Competitive Factors Reports

Jacksonville Interim Savings Bank, Jacksonville, Illinois -- report on competitive 

factors of the proposed merger with Jacksonville Savings Bank.

- Submitted, April 3, 2001 

St. Louis

Schwegmann Interim Bank, Vacherie, Louisiana -- report on competitive factors of 

the proposed merger with Schwegmann Bank and Trust Company, Harvey.

- Submitted, April 3, 2001 

Atlanta

Sterling Bank, Houston, Texas -- report on competitive factors of the proposed 

merger with CaminoReal Bank National Association, San Antonio.

- Submitted, April 5, 2001 

Dallas

Union Savings Bank, Freeport, Illinois -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Mount Morris branch 

of Amcore Bank, N.A., Rockford.

- Submitted, April 2, 2001 

Chicago

Wells Fargo Financial National Bank, Des Moines, Iowa -- report on competitive 

factors of the proposed merger with Wells Fargo Financial Interim National Bank, 

Las Vegas, Nevada.

- Submitted, April 4, 2001 

Secretary

Extensions Of Time

Commerce Bancorp, Inc., Cherry Hill, New Jersey -- extension to July 30, 2001, to 

acquire shares of Chester Valley Bancorp, Inc., Downingtown, Pennsylvania.

- Granted, April 6, 2001 

Philadelphia

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority April 1, 2001 to April 7, 2001

Extensions Of Time

Hancock Park Acquisition, LLC, Washington, D.C., and Hancock Park Acquisition, 

LP -- extension to June 29, 2001, to acquire Bank of Coronado, Coronado, 

California.

- Granted, April 3, 2001 

San Francisco

Remada Financial Holdings, Inc., Minnetonka, Minnesota -- extension to July 19, 

2001, to acquire Claremont Financial Services, Inc., St. Paul, and Alliance Bank of 

Blooming Prairie, Blooming Prairie.

- Granted, April 4, 2001 

Minneapolis

Financial Holding Companies

BNP Paribas, Paris, France -- election to become a financial holding company.

- Effective, April 2, 2001 

Director, BS&R

Michigan National Corporation, Farmington Hills, Michigan -- election to become a 

financial holding company.

- Effective, April 2, 2001 

Chicago

(AC) = Addition or Correction Delegated - Page 8 of 8
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, April 7, 2001

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, April 7, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Communications, People’s Republic of China, to

establish a representative office in Los Angeles, California .*

Newspaper – N/Avail

Branch Manufacturers and Traders Trust Company to establish a branch

office in the Mid-City Plaza at 955-969 Payne Avenue, City of

North Tonawanda, Niagara county, New York.

Newspaper – N/Avail

Branch Banca Intesa, S.p.A., Milan, Italy, to establish branches in New

York, New York, and Chicago, Illinois, and an agency in Los

Angeles, California.

Newspaper – N/Avail

Representative

Office

China Merchants Bank, Shenzhen, People’s Republic of China,

to establish a representative office in New York, New York.

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)(1)/3(a)(5)/

4(c)(8)

Royal Bank of Canada, Montreal and Rock Merger Subsidiary,

Inc., Raleigh, North Carolina, to become bank holding

companies by acquiring Centura Banks, Inc. and Centrua Bank,

both of Rocky Mount, North Carolina.

Newspaper – N/Avail

Fed Reg – 04/12/2001

3(a)(1) C.C. Bancorp, Inc., Little Valley, New York, to become a bank

holding company by acquiring 100 percent of the shares of

Cattaraugus County Bank, Little Valley, New York.

Newspaper – N/Avail

Fed Reg – 04/23/2001

* 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

25 Citibank, N.A., New York, New York, and Citibank Overseas

Investment Corporation, New Castle, Delaware, to make an

investment pursuant to Section 25 of the Federal Reserve Act.

25 Citigroup Inc., New York, New York, and Travelers Group

International LLC, New York, New York, to make an

investment pursuant to Section 25 of the Federal Reserve Act.

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, April 7, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

3(a)(1)RN Woodlands Financial Services, Williamsport, PA to form a

holding company by acquiring 100% of the voting shares of

Woodlands Bank, Williamsport, PA..

05/08/2001

18(c) The Third Street Interim Bank, Williamsport, PA to merge with

and into Woodlands Bank, Williamsport, PA.

05/08/2001

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, April 7, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Received notice on April 2, 2001, from Fifth Thrid Bank, Florence,

KY of its intent to establish a branch at 2064 Declaration Drive,

Independence, KY.

03/31/2001

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

Type Application

Ending date of

comment period

3(a)(1) Received application on 04/04/2001 from Central Ohio Bancorp,

Waverly, OH of its intent to acquire 100% of the voting shares of

First National Bank, Waverly, OH.

Newspaper: 04/20/2001

Fed Reg: 05/04/2001

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.

The federal bank regulators use the following four 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, April 7, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Centura Bank, Rocky Mount, North Carolina, to establish

a branch at 7290-17 Beach Drive, SW, Ocean Isle Beach,

North Carolina.*

Newspaper - 04/13/2001

Branch Southern Financial Bank, Warrenton, Virginia, to establish

a branch at 1055 Thomas Jefferson Street, NW, Washington,

D. C.*

Newspaper - 04/16/2001

Branch New Peoples Bank, Inc., Honaker, Virginia, to establish a

branch at U. S. Routes 19 and 460, Pounding Mill, Tazewell

County, Virginia .*

Newspaper - 04/20/2001

18(c) Farmers & Mechanics Bank, Frederick, Maryland, to merge

with Home Federal Savings Bank, Hagerstown, Maryland.*

Newspaper - 05/03/2001

*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

4(c)(8) First Union Corporation, Charlotte, North Carolina, to

acquire voting securities of Secure Access Company, LLC,

through NYCE Corporation, Woodcliff Lake, New Jersey.

Fed Reg - 04/16/2001
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

3(a)(1) Hampton Roads Bankshares, Inc., Chesapeake, Virginia, to

become a bank holding company through the acquisition of

100% of the voting shares of Bank of Hampton Roads,

Chesapeake, Virginia.

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, April 7, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

250 Jonesboro Road, McDonough, Georgia.

04/11/2001*

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

2969 North Druid Hills Road, Atlanta, Georgia.

04/11/2001*

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

13800 Highway 9, Suite E, Alpharetta, Georgia.

04/11/2001*

*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

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

COM First Security Group, Inc., Chattanooga, Tennessee, commitment

waiver request.

SMBOTH Bank of Murfreesboro, Murfreesboro, Tennessee, for authority

to exercise trust powers.
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, April 7, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Baylake Bank, Sturgeon Bay, Wisconsin, for prior approval to

establish a branch at 211 Commerce Drive, Luxemburg,

Wisconsin.*

Newspaper – 4/05/2001

Merger & Branch Citizens First State Bank of Walnut, Walnut, Illinois, for prior

approval to purchase the Wyanet, Illinois branch of Peoples

National Bank of Kewanee, Kewanee, Illinois and thereby to

establish a branch.*

Newspaper – N/Avail

Merger The Farmers Bank of Mt. Pulaski, Mt. Pulaski, Illinois, for prior

approval to acquire the Mt. Pulaski, Illinois branch office of

Citizens National Bank, Macomb, Illinois.*

Newspaper – 4/16/2001

Merger M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, for prior

approval to purchase the loans and assume the deposits of the

Phoenix, Arizona branch of Harris Trust Bank of Arizona,

Scottsdale, Arizona.*

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)(1) American National Bank of Beaver Dam Employee Stock

Ownership Trust, Beaver Dam, Wisconsin, for prior approval to

become a bank holding company through the acquisition of 30

percent of the voting shares of Ambanc Financial Services, Inc.,

Beaver Dam, Wisconsin and thereby indirectly acquire

American National Bank of Beaver Dam, Beaver Dam,

Wisconsin and Bank of Helenville, Helenville, Wisconsin.*

Fed Reg – 4/25/2001

Newspaper – N/Avail

3(a)(1) & 4(c)(8) First Indiana Corporation, Indianapolis, Indiana, for prior

approval to become a bank holding company through the

acquisition of 100 percent of the voting shares of First Indiana

Bank, National Association (in organization), Indianapolis,

Indiana; Somerset Financial Services LLC, Indianapolis,

Indiana, and First Indiana Bank, FSB, Indianapolis, Indiana.*

Fed Reg – 5/04/2001

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

Type Application

Ending date of

comment period

3(a)(3) Heartland Bancorp, Inc., Bloomington, Illinois, for prior

approval to acquire 100 percent of the voting shares of Chenoa

Corporation, Chenoa, Illinois and thereby indirectly acquire

Bank of Chenoa, Chenoa, Illinois.*

Fed Reg – 5/03/2001

Newspaper – N/Avail

4(c)(8) MB Financial, Inc., Chicago, Illinois and Manufacturers

National Corporation, Chicago, Illinois, for prior approval to

acquire 100 percent of the voting shares of FSL Holdings, Inc.,

South Holland, Illinois and thereby indirectly acquire First

Savings & Loan Association of South Holland, South Holland,

Illinois, and thereby engage in the operation of a savings

association.*

Fed Reg – 4/20/2001

Newspaper – 4/16/2001

3(a)(3) Marshall & Ilsley Corporation, Milwaukee, Wisconsin, for prior

approval to acquire 100 percent of the voting shares of M&I

Bank of Mayville (in organization), Mayville, Wisconsin.*

Fed Reg – 4/27/2001

Newspaper – 4/26/2001

3(a)(3) Peotone Bancorp, Inc., Peotone, Illinois, for prior approval to

acquire 20.62 percent of the voting shares of SouthwestUSA

Corporation, Las Vegas, Nevada and thereby indirectly acquire

SouthwestUSA Bank (in organization), Las Vegas, Nevada.*

Fed Reg – 4/13/2001

Newspaper – 4/14/2001

CIC Notification by Todd R. Nicklaus and Greg P. Nicklaus, of a

Change in Control to acquire an additional 53.25 percent of the

outstanding voting shares of River Valley Bancorporation, Inc.,

Merrill, Wisconsin.

Fed Reg – 4/17/2001

Newspaper – 4/09/2001

CIC Notification by John Manning, Lynette Manning, George

Manning, Ona Manning, Ann Manning, David Manning, Janet

Manning, Albert Manning, Kim Manning, Matthew Manning,

Judith Manning and Elizabeth Manning Edwards, of a Change in

Control to retain ownership of Van Buren Bancorporation,

Keosauqua, Iowa.

Fed Reg – 4/09/2001

Newspaper – 4/13/2001

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) East Side Bancorporation, Inc., Chicago, Illinois, notification of

intent to purchase loan participations from its subsidiary bank,

BankChicago, Chicago, Illinois, and thereby to engage in

extending credit and servicing loans.

Fed Reg – 4/11/2001
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

Membership Sand Ridge Bank, Highland, Indiana, for prior approval 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, April 7, 2001

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) Notice by Rockhold Bancorp, Kirksville, Missouri, to acquire 25

percent of La Plata Bancshares, Inc., La Plata, Missouri.

(Previously submitted during the week ending March 31,

2001).*

Newspaper – 4/27/2001

Fed Reg – 4/30/2001

* 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

3(a)(5)(C) Notice by Planters Financial Group, Inc., Hopkinsville,

Kentucky, to acquire Planters Bank, Inc., Hopkinsville,

Kentucky.
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, April 7, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C & BKBR Security State Bank of Edgeley, Edgeley, North Dakota, to

merge with Kulm State Bank, Kulm, North Dakota, and incident

thereto establish branches in the North Dakota communities of

Kulm and Fredonia.*

04/29/2001

18C & BKBR Pioneer Bank, Mapleton, Minnesota, to merge with Citizens

State Bank of St. James, St. James, Minnesota, and incident

thereto establish a branch in St. James, Minnesota.*

04/30/2001

18C & BKBR Valley Bank of Helena, Helena, Montana, to purchase certain

assets and assume certain liabilities of the Helena and East

Helena, Montana branches of Western Security Bank, Missoula,

Montana, a federal savings bank, and incident thereto establish

two branches.*

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)(5) JBS, Inc. (formerly known as Jans Bancshares, Inc.), Kulm,

North Dakota, for prior approval to merge with Edgeley

Bancorporation, Inc., Edgeley, North Dakota.*

Fed. Reg. – 04/26/2001

Newspaper – 04/29/2001

*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, April 7, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch MontroseBank, Montrose, Colorado, for prior approval to

establish a branch at Highway 550 South and Ogden Road,

Montrose, Colorado.

Newspaper – 04/19/2001

Branch State Bank of Burden, Burden, Kansas, for prior approval to

establish a branch at 116 N. Main, Dexter, Kansas.

Newspaper – 04/13/2001

Branch Bank of Colorado, Fort Lupton, Colorado, for prior approval to

establish a branch at 1609 East Harmony, Fort Collins,

Colorado.

Newspaper – 04/04/2001

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

Type Application

Ending date of

comment period

3(a)(1) Gideon Management L.L.C., Topeka, Kansas, for prior approval

to become a bank holding company through the acquisition of

100 percent of the voting shares of Gideon Enterprises L.P.,

Topeka, Kansas, and thereby indirectly acquire Silver Lake

Bank, Topeka, Kansas.

Newspaper – N/Available

Fed Reg – N/Available

3(a)(5) First National Bank Holding Company, Longmont, Colorado,

for prior approval to acquire 90 percent of the voting shares of

First State Bancorp of the Rockies, Fort Collins, Colorado, and

thereby indirectly acquire First State Bank of Fort Collins, Fort

Collins, Colorado.

Newspaper – 05/15/2001

Fed Reg – 05/04/2001

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

Member Bank of Blue Valley, Overland Park, Kansas, for prior approval

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

895158 Guarantee State Bank

204 N. Oklahoma

Mangum, Oklahoma 73554-4235

01/16/2001 04/04/2001 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, April 7, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Texas Bank, Weatherford, TX, to establish a branch office at

2817 Fort Worth Highway, Hudson Oaks, TX, 76087*

04/09/2001

*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) Henderson Citizens Bancshares, Inc., Henderson, TX, and

Henderson Citizens Delaware Bancshares, Inc., Dover, DE,

to acquire

Rusk County Bancshares, Inc., Henderson, TX,

Rusk County Delaware Financial Corporation, Dover, DE, and

Peoples State Bank, Henderson, TX*

(previously reported the week ending March 24, 2001)

Fed Reg – 04/27/2001

Newspaper – 04/21/2001

3(a)(1) CB&T Bancshares, Inc., Vivian, LA, to acquire

Citizens Bank and Trust Company of Vivian, Vivian, LA*

(previously reported the week ending March 31, 2001)

Fed Reg – 04/27/2001

Newspaper – 04/21/2001

CIC Michael Edwin Aldredge, Bellville, TX, only notificant,

to acquire an interest in

Fayetteville Bancshares, Inc., Fayetteville, TX

(previously reported the week ending March 31, 2001)

Fed Reg – 04/18/2001

Newspaper – 04/13/2001

3(a)(5) Industry Bancshares, Inc., Industry, TX, to acquire

Coupland Bancshares, Inc., Coupland, TX,

Coupland Bancshares – Nevada, Inc., Carson City, NV, and

Coupland State Bank, Coupland, TX*

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Mary Lou Law, Windom, TX, only notificant,

to acquire an interest in

Fannin Bancorp, Inc., Employee Stock Ownership Plan and

Trust, Windom, TX

Fed Reg – 04/25/2001

Newspaper – 04/17/2001

*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, April 7, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Coronado, Coronado, California, to establish a branch

office at 550 West “C” Street, Suite 110, San Diego, California.*

Newspaper - 05/04/2001

18(c) Valley Independent Bank, El Centro, California, to merge with the

Bank of Stockdale, F.S.B., Bakersfield, California.*

Newspaper - N/Avail

18(c) Valley Independent Bank, El Centro, California, to merge with

Kings River State Bank, Reedley, California.*

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

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

3(a)(5)(C) United Security Bancshares, Fresno, California, to become a bank

holding company by acquiring United Security Bank, Fresno,

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