Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 16

Week Ending April 21, 2001

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions April 15, 2001 to April 21, 2001

Discount Rates

Discount Rates -- decrease from 4-1/2 percent to 4 percent by the Federal Reserve 

Banks of Boston, New York, Philadelphia, Cleveland, Atlanta, Minneapolis, Kansas 

City, Dallas, and San Francisco.

- Approved, April 18, 2001 

Discount Rates -- decrease from 4-1/2 percent to 4 percent by the Federal Reserve 

Banks of Richmond, Chicago, and St. Louis.

- Approved, April 19, 2001 

Forms

Forms -- initial review of proposals to extend and revise the Condition Reports for 

Foreign Subsidiaries of U.S. Banking Organizations (FR 2314a, b, and c), and the 

Consolidated Report of Condition and Income for Edge and Agreement 

Corporations (FR 2886b); and to discontinue the Annual Survey of Eligible Bankers 

Acceptances (FR 2006).

- Proposed, March 19, 2001 (AC)

(AC) = Addition or Correction Board - Page 1 of 1
April 15, 2001 to April 21, 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

Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 7290-17 

Beach Drive, SW, Ocean Isle Beach.

- Approved, April 20, 2001 

Secretary

Southern Financial Bank, Warrenton, Virginia -- to establish a branch at 1055 

Thomas Jefferson Street, NW, Washington, D.C.

- Approved, April 19, 2001 

Richmond

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 950 South Pine 

Island Road, Plantation, Florida.

- Approved, April 16, 2001 

Atlanta

State Bank of Burden, Burden, Kansas -- to establish a branch at 116 North Main, 

Dexter.

- Approved, April 20, 2001 

Kansas City

SunTrust Bank, Atlanta, Georgia -- to establish branches at 2969 North Druid Hills 

Road; 250 Jonesboro Road, McDonough; and 13800 Highway 9, Alpharetta.

- Approved, April 16, 2001 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 5030 Champion 

Boulevard, Boca Raton, Florida.

- Approved, April 18, 2001 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority April 15, 2001 to April 21, 2001

Bank Holding Companies

Alliance Bank Shares Corporation, Andover, Minnesota -- to become a bank holding 

company through the acquisition of 1st Regions Bank, a de novo bank.

- Approved, April 16, 2001 

Minneapolis

BB&T Corporation, Winston-Salem, North Carolina -- to acquire Century South 

Banks, Inc., Alpharetta, Georgia.

- Approved, April 19, 2001 

Richmond

Chinatrust Commercial Bank, Ltd., Taipei, Taiwan, Republic of China -- to become a 

bank holding company with respect to Chinatrust Bank, Torrance, California, 

through the acquisition of China Trust Holdings, N.V., Curacao, Netherlands, 

Antilles.

- Approved, April 18, 2001 

New York

Citigroup Inc., New York, New York -- request for an exemption from Section 23A 

of the Federal Reserve Act.

- Granted, April 16, 2001 

Director, BS&R

Community Bank Holdings of Texas, Inc., Corsicana, Texas, and Corsicana 

Holdings, Inc., Dover, Delaware -- to acquire Eagle Bancshares, Inc., Fairfield, 

Texas; First National Bank; Texas Bank, SSB, Buffalo; and Fairfield Holdings, Inc., 

Wilmington, Delaware.

- Approved, April 19, 2001 

Dallas

Community First Financial Group, Inc., English, Indiana -- relief from commitments 

in connection with change in bank control.

- Granted, April 13, 2001 (AC)

St. Louis

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority April 15, 2001 to April 21, 2001

Bank Holding Companies

East Side Bancorporation, Inc., Chicago, Illinois -- to purchase loan participations 

from its subsidiary, BankChicago, and thereby engage in extending credit and 

servicing loans.

- Approved, April 20, 2001 

Chicago

East Texas Financial Corporation, Kilgore, Texas -- to acquire East Texas Financial 

Services, Inc., Tyler, and First Federal Savings and Loan Association.

- Approved, April 18, 2001 

Dallas

EvergreenBancorp, Seattle, Washington -- to acquire shares of Evergreen Bank.

- Approved, April 17, 2001 

San Francisco

F.N.B. Corporation, Naples, Florida -- waiver of application in connection with the 

acquisition of F.N.B. Corporation, Hermitage, Pennsylvania, and its subsidiaries, 

First National Bank of Florida, Naples, Florida; Metropolitan National Bank, 

Youngstown, Ohio; First National Bank of Pennsylvania, Greenville, Pennsylvania; 

and Reeves Bank, Beaver Falls, as part of a reincorporation in Florida.

- Granted, April 2, 2001 (AC)

Atlanta

First Commerce Corporation, Charlotte, North Carolina -- to become a bank holding 

company through the acquisition of First Commerce Bank.

- Approved, April 17, 2001 

Richmond

First Okmulgee Corporation, Okmulgee, Oklahoma -- to acquire shares of Missouri 

Bancorp, Inc., Richmond, Missouri.

- Approved, April 20, 2001 

Kansas City

Geneva State Company, Geneva, Nebraska -- waiver of application in connection 

with the acquisition of Shickley State Company, Shickley, and the merger of their 

subsidiaries, Shickley State Bank and Geneva State Bank, Geneva.

- Granted, April 20, 2001 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority April 15, 2001 to April 21, 2001

Bank Holding Companies

Georgia Banking Company, Inc., Atlanta, Georgia -- to become a bank holding 

company through the acquisition of Georgia Banking Company, and to acquire GBC 

Funding, Inc., and thereby engage in making, acquiring, brokering, or servicing loans.

- Returned, April 16, 2001 

Atlanta

Glacier Bancorp, Inc., Kalispell, Montana -- to acquire Western Security Bank, 

Billings.

- Approved, April 20, 2001 

Minneapolis

McIntosh County Bank Holding Company, Inc., Ashley, North Dakota -- to engage 

de novo in extending credit and servicing loans.

- Approved, April 19, 2001 

Minneapolis

Missouri Bancorp, Inc., Richmond, Missouri -- to become a bank holding company 

through the acquisition of Community Bank of Missouri.

- Approved, April 20, 2001 

Kansas City

One American Corporation, Vacherie, Louisiana -- to acquire Schwegmann Bank & 

Trust Company, Harvey.

- Approved, April 16, 2001 

Atlanta

Peotone Bancorp, Inc., Peotone, Illinois -- to acquire shares of SouthwestUSA 

Corporation, Las Vegas, Nevada, and thereby acquire SouthwestUSA Bank, a de 

novo bank.

- Approved, April 18, 2001 

Chicago

Waccamaw Bankshares, Inc., Whiteville, North Carolina -- to become a bank holding 

company through the acquisition of Waccamaw Bank; election to become a financial 

holding company; and for Waccamaw Bank to become a member of the Federal 

Reserve System.

- Approved, April 19, 2001 

Richmond

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority April 15, 2001 to April 21, 2001

Bank Mergers

The Farmers Bank of Mt. Pulaski, Mt. Pulaski, Illinois -- to acquire the Mt. Pulaski 

branch of Citizens National Bank, Macomb.

- Approved, April 20, 2001 

Chicago

Western Security Bank, Billings, Montana -- to merge with Western Security Bank, 

Missoula, a federal savings bank, and thereby establish 25 branches; and to become a 

member of the Federal Reserve System.

- Approved, April 20, 2001 

Minneapolis

Change In Bank Control

Union Bancshares of Campbell County, Inc., Jellico, Tennessee -- change in bank 

control.

- Permitted, April 13, 2001 (AC)

Atlanta

Competitive Factors Reports

A.G. Edwards Trust Company, St. Louis, Missouri -- report on competitive factors 

of the proposed merger with A.G. Edwards Trust Company, FSB.

- Submitted, April 17, 2001 

St. Louis

The Bank of Southside Virginia, Carson, Virginia -- report on competitive factors of 

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

Franklin branch of F&M Bank-Southern Virginia, Emporia.

- Submitted, April 20, 2001 

Richmond

Benchmark Bank, Quinlan, Texas -- report on competitive factors of the proposed 

merger with Loan Oak State Bank, Loan Oak.

- Submitted, April 20, 2001 

Dallas

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority April 15, 2001 to April 21, 2001

Competitive Factors Reports

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

with Busey Bank, FSB, Bloomington.

- Submitted, April 18, 2001 

Chicago

First Guaranty Bank, Hammond, Louisiana -- report on competitive factors of the 

proposed interim merger with FG Bank.

- Submitted, April 18, 2001 

Atlanta

First National Bank and Trust Company of Beloit, Beloit, Wisconsin -- report on 

competitive factors of the proposed merger with First National Bank of Winnebago, 

Winnebago, Illinois.

- Submitted, April 18, 2001 

Chicago

First Star Savings Bank, Bethlehem, Pennsylvania -- report on competitive factors of 

the proposed purchase of assets and assumption of liabilities of the Wind Gap branch 

of Main Street Bank, Reading.

- Submitted, April 16, 2001 

Philadelphia

Liberty Bank, Middletown, Connecticut -- report on competitive factors of the 

proposed merger with Hometown Bank, Moodus.

- Submitted, April 16, 2001 

Boston

Liberty Merger Corporation, South San Francisco, California -- report on 

competitive factors of the proposed merger with Liberty Bank.

- Submitted, April 19, 2001 

San Francisco

Merchants & Marine Bank, Pascagoula, Mississippi -- report on competitive factors 

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

Lucedale and Moss Point branches of Union Planters Bank, N.A., Memphis, 

Tennessee.

- Submitted, April 18, 2001 

Atlanta

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority April 15, 2001 to April 21, 2001

Competitive Factors Reports

Mutual Federal Savings and Loan Association of Chicago, Chicago, Illinois -- report 

on competitive factors of the proposed merger with Interim Two.

- Submitted, April 18, 2001 

Chicago

Richmond County Savings Bank, Staten Island, New York -- report on competitive 

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

of Fleet National Bank, Providence, Rhode Island.

- Submitted, April 20, 2001 

Secretary

Rural American Bank-East Grand Forks, East Grand Forks, Minnesota -- report on 

competitive factors of the proposed merger with Valley State Bank of Oslo, Oslo.

- Submitted, April 20, 2001 

Minneapolis

Sanwa Bank California, San Francisco, California -- report on competitive factors of 

the proposed merger with Tokai Bank California, Los Angeles.

- Submitted, April 19, 2001 

San Francisco

Tracy State Bank, Tracy, Minnesota -- report on competitive factors of the proposed 

merger with Minnwest Bank South, Slayton.

- Submitted, April 17, 2001 

Minneapolis

Winona National and Savings Bank, Winona, Minnesota -- report on competitive 

factors of the proposed merger with Town and Country State Bank of Winona.

- Submitted, April 16, 2001 

Minneapolis

Extensions Of Time

First Bancshares Corporation, Gladstone, Michigan -- extension to July 19, 2001, to 

acquire additional shares of Baybank Corporation.

- Granted, April 18, 2001 

Minneapolis

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority April 15, 2001 to April 21, 2001

Extensions Of Time

Futurus Financial Services, Inc., Roswell, Georgia -- extension to May 28, 2001, to 

become a bank holding company through the acquisition of Futurus Bank, N.A.

- Granted, April 16, 2001 

Atlanta

Financial Holding Companies

Capital Bank Corporation, Raleigh, North Carolina -- election to become a financial 

holding company.

- Effective, April 16, 2001 

Richmond

Shore Bancshares, Inc., Centreville, Maryland -- election to become a financial 

holding company.

- Effective, April 16, 2001 

Richmond

Signal Financial Corporation, Mendota Heights, Minnesota -- election to become a 

financial holding company.

- Effective, April 19, 2001 

Minneapolis

Membership

Bank of Blue Valley, Overland Park, Kansas -- membership in the Federal Reserve 

System.

- Approved, April 19, 2001 

Kansas City

Regulations And Policies

Short-term Interest Rates -- decrease in the target for the federal funds rate from 5 

percent to 4-1/2 percent.

- Approved, April 18, 2001 

FOMC

(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 21, 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 21, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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 – 04/21/2001

Branch Bayerische Hypo- und Vereinsbank Aktiengesellschaft, Munich,

Germany, to establish additional branches at 622 Third Avenue

and 245 Park Avenue, both in New York, New York.*

Newspaper – 05/14/2001

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)(3) First BanCorp, San Juan, Puerto, to acquire up to 8.73 percent of

the voting shares of Southern Security Bank Corporation,

Hollywood, Florida.

Newspaper - 05/06/2001

Fed Reg - N/Avail

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 21, 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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, April 21, 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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, April 21, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Community Bank of Tri-County, Waldorf, Maryland, to

establish a branch at 30155 Three Notch Road, Charlotte Hall,

Maryland.*

Newspaper - 04/26/2001

*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)(5) First Virginia Bankshares, Inc., Falls Church, Virginia, to merge

with James River Bankshares, Inc., Suffolk, Virginia.*

Fed Reg - N/Avail

Newspaper - 05/07/2001

*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 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, April 21, 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

3(a)(1) Georgia Bancshares, Inc., Fayetteville, Georgia, notice to

become a bank holding company by acquiring The Bank of

Georgia, Fayetteville, 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, April 21, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

approval to acquire the Wyanet, Illinois branch of Peoples

National Bank of Kewanee, Kewanee, Illinois and thereby to

establish a branch at 135 Main Street, Wyanet, Illinois.*

Newspaper – N/Avail

Merger &

 Branches

1st Source Bank, South Bend, Indiana, for prior approval to

acquire the two branches of Old Kent Bank, Grand Rapids,

Michigan and thereby to establish branches at 4009 Red Arrow

Highway, St. Joseph, Michigan and 715 Ship Street, St. Joseph,

Michigan.*

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

approval to acquire of the Phoenix, Arizona branch of Harris

Trust Bank of Arizona, Scottsdale, Arizona and thereby to

establish a branch at 19828 North 27th Avenue, Phoenix,

Arizona.*

Newspaper – 4/29/2001

* 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)(1) Ameriana Bancorp, New Castle, Indiana, for prior approval to

become a bank holding company through the acquisition of 100

percent of the voting shares of Ameriana Bank and Trust, SB,

New Castle, Indiana (formerly known as Ameriana Bank &

Trust of Indiana).*

Fed Reg – 5/14/2001

Newspaper – N/Avail

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 – 4/21/2001
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

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; to engage in community development activities through

its wholly-owned subsidiary, Pioneer Service Corporation; and

in the following nonbanking activities through its wholly-owned

subsidiary, Somerset Financial Services, LLC, Indianapolis,

Indiana: financial and investment advisory activities;

management consulting and counseling activities; real estate and

personal property appraising related to extending of credit and

data processing and to acquire 100 percent of the voting shares

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

Fed Reg – 5/04/2001

Newspaper – N/Avail

3(a)(3) Foresight Financial Group, Inc., Rockford, Illinois, for prior

approval to acquire 100 percent of the voting shares of Lena

Bancorp, Inc., Lena, Illinois and thereby indirectly acquire Lena

State Bank, Lena, Illinois.*

Fed Reg – 5/11/2001

Newspaper – N/Avail

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 – 4/30/2001

3(a)(3) Mahaska Investment Company ESOP, Oskaloosa, Iowa, for

prior approval to acquire an additional 30,000 shares, or 0.76%

of the voting shares of Mahaska Investment Company,

Oskaloosa, Iowa.*

Fed Reg – 5/10/2001

Newspaper – 5/11/2001

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

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

* 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 Sand Ridge Bank, Highland, Indiana, for prior approval to

become a member of the Federal Reserve System.

Regulation K ABN AMRO Bank N.V., Amsterdam, The Netherlands, for

prior approval to establish a branch at 680 Fifth Avenue, New

York, New York.

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 21, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Notice by Southern Commercial Bank, St. Louis, Missouri, to

relocate its main office from 5515 South Grand Avenue, St.

Louis, Missouri, to 4435 Meramec Bottom Road, St. Louis,

Missouri, and to convert the former main office location to a

branch facility.*

4/10/2001

* 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

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

2594240 The Capital Bank

Little Rock, Arkansas

11/27/2000 4/20/2001 S X

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 21, 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

CIC Kent V. Lovell to become a co-trustee of the Voting Trust

Agreement that controls the McIntosh County Bank Holding

Company, Inc., Ashley, North Dakota.

Fed. Reg. – 05/03/2001

Newspaper – 05/10/2001

CIC Aaron D. Levorsen to acquire control of Elgin Bancshares, Inc.,

Elgin, North Dakota.

Fed. Reg. – 05/08/2001

Newspaper – 05/08/2001

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.

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 21, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch BancFirst, Oklahoma City, Oklahoma, for prior approval to

establish a branch at 11001 N. May Avenue, Oklahoma City,

Oklahoma, and a branch at 7136 S. Yale Avenue, Tulsa,

Oklahoma.

Newspaper – 04/19/2001

Branch Premier Bank, Denver, Colorado, for prior approval to establish

a branch at 2480 West Alameda Avenue, Denver, Colorado.

Newspaper – 04/25/2001

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

Type Application

Ending date of

comment period

3(a)(1) First Muskogee Financial Corporation, Muskogee, Oklahoma,

for prior approval to become a bank holding company through

the acquisition of 100 percent of the voting shares of First

National Bank of Muskogee, Muskogee, Oklahoma.

Newspaper – 05/11/2001

Fed Reg – 05/17/2001

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

to become a bank holding company by becoming General

Partner of Gideon Enterprises L.P., Topeka, Kansas, and thereby

indirectly acquiring Silver Lake Bank, Topeka, Kansas.

Newspaper – 05/15/2001

Fed Reg – 05/10/2001

3(a)(3) State Bank of Slater ESOP and Trust, Slater, Missouri, for prior

approval to acquire an additional 2.86 percent, for a total of

30.68 percent of the voting shares of Slater Bancshares, Inc.,

Slater, Missouri, and thereby increase its ownership of State

Bank of Slater, Slater, Missouri.

Newspaper – 05/19/2001

Fed Reg – 05/18/2001

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.

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, April 21, 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)(5) First Financial Bancshares, Inc., Abilene, TX, to acquire

City Bancshares, Inc., Mineral Wells, TX,

City Delaware Financial Corporation, Dover, DE, and

City National Bank, Mineral Wells, TX*

Fed Reg – N/Avail

Newspaper – 05/17/2001

*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

783965 Texas Coastal Bank

6731 Spencer Highway

Pasadena, Texas 77505-1755

09/30/2000 04/21/2001 S X

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 21, 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

CIC Peter Eliades, Las Vegas, Nevada, retroactive notice to retain 10.69

percent of Business Bank Corporation, Las Vegas, Nevada.*

Newspaper – N/Avail

Fed Reg. – 05/08/2001

* 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