Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 13 

Week Ending March 30, 2002 

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Actions under delegated authority March 24, 2002 to March 30, 2002 

BS&R 

C&CA 

FOMC 

Banking Supervision and Regulation 

Consumer and Community Affairs 

Federal Open Market Committee 

RBOPS 

IF 

OSDM 

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

Bank Branches, Domestic 

Minneapolis 

American State Bank of Rapid City, Rapid City, South Dakota -- to establish a branch at 

1750 Eglin Street. 

- Approved, March 26, 2002 

Secretary 

AmSouth Bank, Birmingham, Alabama -- to establish branches at 2303 Thonotosassa 

Road, Plant City, Florida, and 110 Busch Drive, Jacksonville. 

- Approved, March 29, 2002 

Cleveland 

Fifth Third Bank, Western Michigan, Grand Rapids, Michigan -- to establish a branch at 

1699 Woodfield Road, Schaumburg, Illinois. 

- Approved, March 25, 2002 

Kansas City 

The Heritage Bank of St. Joseph, St. Joseph, Missouri -- to establish a branch at 1301 

South Riverside Road. 

- Approved, March 26, 2002 

Chicago 

Lake Forest Bank & Trust Company, Lake Forest, Illinois -- to establish a branch at 

1716 1st Avenue, Highland Park. 

- Approved, March 27, 2002 

Kansas City 

Spirit Bank, Tulsa, Oklahoma -- to establish a mobile branch to operate from a branch at 

11217 North May Avenue, Oklahoma City. 

- Approved, March 28, 2002 

Secretary 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 4215 Cheshire Station Plaza, 

Dale City, Virginia. 

- Approved, March 26, 2002 

(AC) = Addition or Correction Delegated - Page 1 of 7 
H.2 Actions under delegated authority March 24, 2002 to March 30, 2002 

Bank Holding Companies 

New York 

Barclays PLC, London, England, and Barclays Bank PLC -- to acquire through Identrus, 

LLC, New York, New York, an interest in Digital Signature Trust Company, Salt Lake 

City, Utah, and thereby engage in certain nonbanking activities. 

- Approved, March 28, 2002 

Minneapolis 

Border Bancshares, Inc., Greenbush, Minnesota -- to acquire shares of Northern Plains 

Bancshares, Inc., Thief River Falls, and thereby acquire First National Bank. 

- Approved, March 25, 2002 

St. Louis 

Century Bancshares, Inc., Lawrenceburg, Kentucky -- to become a bank holding 

company through the acquisition of Century Bank of Kentucky, Inc. 

- Approved, March 27, 2002 

Kansas City 

Community Bankshares, Inc., Greenwood Village, Colorado, and Community Banks of 

Southern Colorado, Rocky Ford -- waiver of application for the acquisition of Rocky 

Ford Financial, Inc., Rocky Ford, and its subsidiary, Rocky Ford Federal Savings and 

Loan Association, in connection with their merger into Community Banks of Southern 

Colorado. 

- Granted, March 27, 2002 

Atlanta 

Community Financial Holding Company, Inc., Duluth, Georgia -- to become a bank 

holding company through the acquisition of Gwinnett Community Bank. 

- Approved, March 28, 2002 

Secretary 

Guaranty Bancorp, Inc., Woodsville, New Hampshire -- to acquire an interest in 

Community Financial Services Partners, Inc., Derby, Vermont, and Community Financial 

Services Group, LLC, Newport, and thereby engage in trust activities. 

- Approved, March 29, 2002 

(AC) = Addition or Correction Delegated - Page 2 of 7 
H.2 Actions under delegated authority March 24, 2002 to March 30, 2002 

Bank Holding Companies 

San Francisco 

HomeTown Financial Services, Inc., Longview, Washington -- to become a bank holding 

company through the acquisition of HomeTown National Bank. 

- Approved, March 28, 2002 

Chicago 

Lincoln Bancorp, Inc., Rochelle, Illinois -- to become a bank holding company through 

the acquisition of Lincoln State Bank, S.B. 

- Approved, March 27, 2002 

Chicago 

SBN Community Bancorp, Inc., Newburg, Wisconsin -- to become a bank holding 

company through the acquisition of State Bank of Newburg; and election to become a 

financial holding company. 

- Approved, March 28, 2002 

Chicago 

SV Financial, Inc., Sterling, Illinois -- to become a bank holding company through the 

acquisition of Sauk Valley Bank & Trust Company. 

- Approved, March 27, 2002 

Dallas 

Tanglewood Bancshares, Inc., Houston, Texas, and Tanglewood Bancshares of 

Delaware, Inc., Wilmington, Delaware -- for Tanglewood Bancshares of Delaware, Inc. 

to become a bank holding company through the acquisition of Bank of Tanglewood, 

National Association, Houston; and for Tanglewood Bancshares, Inc. to become a bank 

holding company through the acquisition of both institutions. 

- Approved, March 29, 2002 

Bank Mergers 

Atlanta 

Regions Bank, Birmingham, Alabama -- to merge with Independence Bank, N.A., 

Houston, Texas; and waiver of application for its parent holding company, Regions 

Financial Corporation, Birmingham, Alabama, to acquire the stock of Independence 

Bank, N.A. in connection with the merger. 

- Approved, March 29, 2002 

(AC) = Addition or Correction Delegated - Page 3 of 7 
H.2 Actions under delegated authority March 24, 2002 to March 30, 2002 

Banks, Foreign 

Director, BS&R 

Artesia Banking Corporation S.A., Brussels, Belgium -- to establish a branch in New 

York, New York, and election to be treated as a financial holding company on 

establishment of the branch. 

- Approved, March 29, 2002 

New York 

Mizuho Corporate Bank Ltd., Tokyo, Japan -- to establish a branch at 1251 Avenue of 

the Americas, New York, New York. 

- Approved, March 29, 2002 

Change In Bank Control 

San Francisco 

Community West Bancshares, Goleta, California -- change in bank control. 

- Permitted, March 27, 2002 

Dallas 

JSA Family Limited Partnership, Jacksonville, Texas -- change in bank control. 

- Permitted, March 27, 2002 

St. Louis 

Riverside Bancshares, Inc., Little Rock, Arkansas -- change in bank control. 

- Permitted, March 26, 2002 

Competitive Factors Reports 

Dallas 

American National Bank of Texas, Terrell, Texas -- report on competitive factors of the 

proposed acquisition of branches of Benchmark Bank, Quinlan, in Greenville (2 

branches), Quinlan, Royse City, Lone Oak, and West Tawakoni. 

- Submitted, March 26, 2002 

Dallas 

Bank of Tanglewood, National Association, Houston, Texas -- report on competitive 

factors of the proposed merger with TC Interim Bank, National Association. 

- Submitted, March 29, 2002 

(AC) = Addition or Correction Delegated - Page 4 of 7 
H.2 Actions under delegated authority March 24, 2002 to March 30, 2002 

Competitive Factors Reports 

Chicago 

Bank One, National Association, Chicago, Illinois -- report on competitive factors of the 

proposed merger with Bank One, Michigan, Detroit, Michigan, and of the proposed 

purchase by First USA Bank, National Association, Wilmington, Delaware, of certain 

assets and liabilities of Bank One, Michigan, and Bank One, National Association. 

- Submitted, March 27, 2002 

Richmond 

Branch Banking and Trust Company, Winston-Salem, North Carolina -- reports on 

competitive factors of the proposed mergers with AREA Bank, Owensboro, Kentucky, 

AREA Trust Company, and The Vine Street Trust Company. 

- Submitted, March 27, 2002 

Minneapolis 

First Farmers & Merchants National Bank, Le Sueur, Minnesota -- report on competitive 

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

Falls branch of Marquette Bank, National Association, Rogers. 

- Submitted, March 29, 2002 

New York 

Kearny Mutual Holding Company, Kearny, New Jersey, and Kearny Financial 

Corporation -- report on competitive factors of the proposed acquisition of Pulaski 

Savings Bank, Springfield, and merger of Kearny Federal Savings Bank and Pulaski 

Savings Bank. 

- Submitted, March 28, 2002 

Dallas 

Prosperity Bank, El Campo, Texas -- report on competitive factors of the proposed 

merger with Texas Guaranty Bank, N.A., Houston. 

- Submitted, March 26, 2002 

Chicago 

Sauk Valley Bank & Trust Company, Sterling, Illinois -- report on competitive factors of 

the proposed merger with Republic Bank of Sterling. 

- Submitted, March 27, 2002 

(AC) = Addition or Correction Delegated - Page 5 of 7 
H.2 Actions under delegated authority March 24, 2002 to March 30, 2002 

Competitive Factors Reports 

Chicago 

State Bank of Newburg, Newburg, Wisconsin -- report on competitive factors of the 

proposed merger with New State Bank of Newburg. 

- Submitted, March 27, 2002 

Chicago 

United Community Bank, Milford, Iowa -- report on competitive factors of the proposed 

merger with Security State Bank, Milford, and Security State Bank, Lake Park. 

- Submitted, March 27, 2002 

Extensions Of Time 

Secretary 

Citibank, N.A., New York, New York -- extension to April 21, 2003, for its 

subsidiaries, Citibank Overseas Investment Corporation, New Castle, Delaware, and 

Citicorp Finance (Thailand) Limited, Bangkok, Thailand, to divest an interest in certain 

property. 

- Granted, March 28, 2002 

Atlanta 

F.N.B. Corporation, Naples, Florida -- extension to July 4, 2002, to acquire shares of 

Sun Bancorp, Inc., Selinsgrove, Pennsylvania, and thereby acquire Sun Bank. 

- Granted, March 25, 2002 

Financial Holding Companies 

Atlanta 

Community Bancshares of Mississippi, Inc., Brandon, Mississippi -- election to become a 

financial holding company. 

- Effective, March 28, 2002 

Dallas 

PSB Financial Corporation, Many, Louisiana -- election to become a financial holding 

company. 

- Effective, March 28, 2002 

(AC) = Addition or Correction Delegated - Page 6 of 7 
H.2 Actions under delegated authority March 24, 2002 to March 30, 2002 

Membership 

Richmond 

Peoples Bank of Virginia, Richmond, Virginia -- membership in the Federal Reserve 

System. 

- Approved, March 26, 2002 

(AC) = Addition or Correction Delegated - Page 7 of 7 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, March 30, 2002

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 Northern Bancorp, Inc., Woburn, Massachusetts - notification 

filed by a group comprised of Dorothy M. Mawn, Woburn, 

Massachusetts, and her family and affiliated entities acting in 

concert to acquire greater than 25% of the voting shares of 

Northern Bancorp, Inc.

Newspaper - 04/15/2002

Fed Reg - 04/12/2002

CIC Northern Bancorp, Inc., Woburn, Massachusetts - notification 

filed by Dorothy M. Mawn, Woburn, Massachusetts, to acquire 

up to no more than 15% of outstanding shares of Northern 

Bancorp, Inc.

Newspaper - 04/15/2002

Fed Reg - 04/12/2002

CIC Northern Bancorp, Inc., Woburn, Massachusetts - notification 

filed by Thomas M. Ma wn Jr. Trust Fund B, Woburn, 

Massachusetts, to acquire up to no more than 15% of 

outstanding shares of Northern Bancorp, Inc.

Newspaper - 04/15/2002

Fed Reg - 04/12/2002

Section III – Applications subject to Federal Register notice only

Type Applic ation

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 en courage 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 22 8). 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 ap plication 

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, March 30, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch JP Morgan Chase Bank, New York, New York, to establish a 

branch office at 2551 Broadway, New York, New York. 

Newspaper – 04/27/2002 

Branch Banco Popular North America, New York, New York, to 

establish a branch office at 1610 Main Avenue, Clifton, New 

York. 

Newspaper – 04/17/2002 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 encou rage 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 appli cation 

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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, March 30, 2002

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 encou rage 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 appli cation 

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, March 30, 2002

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
V – Availability of CRA public evaluations

The Community Reinvestment Act is intended to encourage depository instituti ons 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 revis ed 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 facili ties.

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, March 30, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Capit alBank, Greenwood, South Carolina, to establish a branch 

at 1722 North Main Street, Anderson, South Carolina.* 

Branch Farmers & Mechanics Bank, Frederick, Maryland, to establish a 

branch at 2151 Warwick Way, Marriottsville, Maryland.* 

Branch Gateway Bank & Trust Co., Elizabeth City, North Carolina, to 

establish a branch at 111 Gainsborough Square, Chesapeake, 

Virginia.* 

18(c) Virginia Heartland Bank, Fredericksburg, Virginia, to merge 

with Caroline Savings Bank, Bowling Green, Virginia.* 

Newspaper - 04/04/2002 

Newspaper - 04/12/2002 

Newspaper - 04/12/2002 

Newspaper - N/Avail 

*Subject to the provisions of the Community Reinvestment Act. 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

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

Type Applic ation 

3(a)(1) MidCarolina Financial Corporation, Burlington, North Carolina, 

to become a bank holding company through the acquisition of 

100% of the voting shares of MidCarolina Bank, Burlington, 

North Carolina. 

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 197 7 (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. Tha t 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 performa nce 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 Examination CRA CRA Exam type 

number Institution/Location date public date 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, March 30, 2002

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at the intersection of Castle Pines Parkway and I -25, 

Denver, Colorado.

04/02/2002*

*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

CIC BancSouth Corporation, Dothan, Alabama, prior change in

control notice by Noel Mitchell Dowling, Jr. to acquire an

additional 51.187 percent of the outstanding shares of

BancSouth Corporation, and its subsidiary, BankSouth, both of 

Dothan, Alabama. Total ownership will equal 74.898 percent. 

Fed Reg - 04/17/2002

CIC American Bancshares Corporation, Livingston, Tennessee, prior 

change in control notice by Johnny Fred Colema n to acquire an 

additional 1.86 percent of the outstanding shares of American 

Bancshares Corporation, and its subsidiary, American Bank & 

Trust of the Cumberlands, both of Livingston, Tennessee. Total 

ownership will be 14.20 percent.

Fed Reg - 04/17/2002

CIC Edison Bancshares, Inc., Fort Myers, Florida, prior change in 

control notice by Daniel E. Dosoretz, Victor J. Dosoretz, and 

Howard M. Sheridan to acquire an additional 19.9 percent of the 

outstanding shares of Edison Bancshares, Inc., and its

subsidia ry, Edison National Bank, both of Fort Meyers, Florida. 

Total ownership will be 50.12 percent.

Fed Reg – 04/18/2002

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) The BANKshares, Inc., Melbourne, Florida, notice to become a 

bank holding company by acquiring The Bank Brevard, 

Melbourne, Florida.

3(a)(1) FCB Florida Banc orporation, Inc., Orlando, Florida, notice to 

become a bank holding company by acquiring First Commercial 

Bank of Florida, Orlando, Florida.

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 applicatio n 

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

876634 Capital City Bank

217 North Monroe Street

Tallahassee, Florida 32302

(850) 671-0300

12/10/2001 03/29/2002 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, March 30, 2002

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) State Bank of Howards Grove, Howards Grove, Wisconsin, to 

assume approximately $20 million in medical savings account 

deposits from Citizens Bank of Pennsylvania, Philadelphia, 

Pennsylvania.*

Newspaper – 04/07/2002

* Subject to the provisions of the Community Re investment Act

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

Type Application

Ending date of

comment period

3(a)(3) Ames National Corporation, Ames, Iowa, to acquire 100 percent 

of United Bank & Trust N.A., Marsha lltown, Iowa (in 

organization).*

Fed Reg – 04/23/2002

Newspaper – N/Avail

CC Notice by Thomas Mark Huston, Columbus Junction, Iowa, to 

retain his control of 25.59% of CJSB Bancorporation, 

Columbus Junction, Iowa.

Fed Reg – 04/09/2002

Newspaper – 04/19/2002

3(a)(3) Metropolitan Bank Group, Inc., Chicago, Illinois, Metropolitan 

Bancorp, Inc., Chicago, Illinois, and Plaza Bancorp, Inc., 

Norridge, Illinois, to acquire 100 percent of Firstcom Bancorp, 

Inc., Chicago, Illinois and thereby indirectly acquire The First 

Commercial Bank, Chicago, Illinois.*

Fed Reg – 04/23/2002

Newspaper – N/Avail

3(a)(1) Nicolet Bankshares, Inc., Green Bay, Wisconsin, to become a 

bank holding company by acquiring 100 percent of Nicolet 

National Bank, Green Bay, Wisconsin.*

Fed Reg – 04/26/2002

Newspaper – N/Avail

3(a)(1) & 4(c)(8) Peoples Bancorp., Rock Valley, Iowa, to become a bank holding 

company by acquiring 100 percent of Peoples Bank, Rock 

Valley, Iowa and to retain Peoples Financial Inc., Rock Valley, 

Iowa and thereby engag e in insurance activities.*

Fed Reg – 04/24/2002

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

None

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

Type Application

3(a)(1) Notice Franklin Bancorp, Inc., Southfield, Michigan, to become a bank 

holding company by acquiring 100 percent of Franklin Bank, 

N.A., Southf ield, Michigan.

3(a)(1) Notice Capital Bancshares, Inc., Primghar, Iowa, to become a bank 

holding company by acquiring at least 80 percent of Primghar 

Savings Bank, Primghar, Iowa.

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 imple mented 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 instituti on'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

302133 Camp Grove State Bank

1 Main Street

Camp Grove, Illinois 61424

(309) 493-5311

12/10/2001 03/26/2002 S X
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, March 30, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

CIC Central Bancompany, Inc., Jefferson City, Missouri, by David 

C. Harrison to become co -trustee of the Central Bancompan y 

Voting Trust Agreement which controls Central Bancompany, 

Inc., Jefferson City, Missouri. (Previously submitted during the 

week ending 03/02/2002) 

3A1 3A3 Tru-Bank Holdings LLC, St. Louis, Missouri, to become a 

banking holding company by acquiring 16.23 percent of The 

Templer Fund, Inc., St. Louis, Missouri. Also, a companion 

notice by The Templer Fund, St. Louis, Missouri, to increase its 

ownership of Truman Bancorp, Inc., St. Louis, Missouri from 

36.77 percent to 40.89 percent.* 

Newspaper – 03/22/2002 

Fed Reg – 03/27/2002 

Newspaper – 04/29/2002 

Fed Reg – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4c8 Concord EFS, Inc., Memphis, Tennessee, to engage in data Fed Reg – 04/09/2002 

processing activities through the acquisition of Core Data 

Resources, Inc., Amarillo, Texas. 
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 mod erate -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 cr edit 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

856748 The Citizens Bank 

Batesville, Arkansas 

11/26/2001 3/19/2002 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, March 30, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

3A1 Peoples State Bancorp, Inc., Munising, Michigan to become a 

bank holding company by acquiring 100 percent of Peoples 

State Bank of Munising, Munising, Michigan.* 

3A3 State Bancshares of Ulen, Inc., Dilworth, Minnesota, to acquire 

100 percent of K Roberts, Inc., Hendrum Minnesota, and 

thereby indirectly acquire Viking Bank, Hendrum , Minnesota.* 

CIC Nancy C. Day to retain control of Menahga Bancshares, Inc., 

Menahga, Minnesota and thereby indirectly retain control of 

First National Bank of Menahga, Menahga, Minnesota. 

Newspaper – N/Avail Fed 

Reg – 04/26/2002 

Newspaper-04/30/2002 

Fed Reg- 04/26/2002 

Newspaper – N/Avail Fed 

Reg – 04/16/2002 

*Subject to the provisions of the Community Reinvestment Act. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application 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 insti tution'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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

571154 State Bank of Alcester, Alcester, 12/10/2001 03/26/2002 O X 

South Dakota 

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, March 30, 2002

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 Harold A. Hartzog, Hoxie, Kansas, to acquire control of State 

Bank Employee Stock Ownership Plan, Hoxie, Kansas , parent of 

Prairie State Bancshares, Inc., and State Bank of Hoxie, both of 

Hoxie, Kansas.

Newspaper – N/Available

Fed Reg – N/Available

CIC Gertrude Myers 1988 Revocable Trust, Alva, Oklahoma and 

Marilyn Myers Bouziden, Alva, Oklahoma, as trustee, to ac quire 

control of Myers Bancshares, Inc., Alva, Oklahoma, parent of 

The Central National Bank in Alva, Alva, Oklahoma.

Newspaper – 04/03/2002

Fed Reg – 04/11/2002

CIC Don H. Carlton and Brenda C. Bruton, both of Tulsa, Oklahoma, 

to acquire control of ASB C orporation, Tulsa, Oklahoma, parent 

of American State Bank, Tulsa, Oklahoma.

Newspaper – 04/19/2002

Fed Reg – 04/17/2002

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 institution s 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 faciliti es.

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

183154 First State Bank

308 N. Main Street

Fairfax, Oklahoma 74637 -3025

09/30/2001 03/26/2002 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, March 30, 2002

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 in stitutions 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, March 30, 2002

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Pacific Mercantile Bank, Costa Mesa, California, to establish a 

branch facility to be located at 4225 Executive Square, Suite 150, 

La Jolla, California.*

Newspaper – 03/30/2002

* 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) First Financial Holdings, MHC, and First Financial of Renton, Inc., 

Renton, Washington, to become bank holding companies by 

acquiring 100 percent of First Savings Bank of Renton, SSB, 

Renton, Washington.*

Newspaper – 04/30/2002

Fed Reg – 04/29/2002

CIC Notice by David F. Moorhouse to increase his shares in San Juan 

Bank Holding Company, Friday Harbor, Washington.*

Newspaper – N/Av ail

Fed Reg – 04/16/2002

* 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 i n 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 depositor y 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