Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 28 

Week Ending July 14, 2001 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions July 8, 2001 to July 14, 2001 

Testimony And Statements 

Consumer Rental Purchase Agreement Act -- statement by Dolores Smith, Director, 

Division of Consumer and Community Affairs, before the Subcommittee on Financial 

Institutions and Consumer Credit of the House Committee on Financial Services. 

- Published, July 12, 2001 

Monetary Policy -- semiannual report to the Congress. 

- Authorized, July 11, 2001 

Monetary Policy -- statement by Chairman Greenspan before the House Committee on 

Financial Services on July 18, 2001. 

- Authorized, July 12, 2001 

Bank Mergers 

The Chase Manhattan Bank, New York, New York -- to merge with Chase Bank of 

Texas-San Angelo, National Association, San Angelo, Texas. 

- Approved, July 9, 2001 

Regulations And Policies 

Retail Fees and Services of Depository Institutions -- annual report to Congress. 

- Approved, July 13, 2001 

Enforcement 

Bank of Rogers, Rogers, Arkansas -- issuance of a cease and desist order. 

- Announced, July 12, 2001 

U.S. Trust Corporation, New York, New York, and United States Trust Company of 

New York -- issuance of a cease and desist order and assessment of a civil money 

penalty by the Board and the New York State Banking Department. 

- Announced, July 13, 2001 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority July 8, 2001 to July 14, 2001 

BS&R 

C&CA 

FOMC 

Banking Supervision and Regulatio 

Consumer and Community Affai 

Federal Open Market Committ 

RBOPS 

IF 

OSDM 

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Managemen

Bank Branches, Domestic 

Secretary 

Allfirst Bank, Baltimore, Maryland -- to establish a branch at 43911 Farmwell Hunt 

Plaza, Ashburn, Virginia. 

- Approved, July 11, 2001 

Chicago 

Comerica Bank, Detroit, Michigan -- to establish a branch at 66900 Gratiot, Richmond. 

- Approved, July 13, 2001 

Chicago 

Commercial Trust & Savings Bank, Storm Lake, Iowa -- to acquire the Storm Lake 

branch of Commercial Federal Bank, FSB, Omaha, Nebraska, and thereby establish a 

branch at 1250 North Lake Avenue, Storm Lake. 

- Approved, July 13, 2001 

Atlanta 

Compass Bank, Birmingham, Alabama -- to establish branches at the intersections of Ray 

and 56th Streets, Chandler, Arizona; Interstate 35 and FM 1604, San Antonio, Texas; 

and Champions and Cypresswood Drives, Houston. 

- Approved, July 12, 2001 

New York 

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

at 855 Franklin Avenue, Garden City. 

- Approved, July 12, 2001 

Kansas City 

Pinnacle Bank, Torrington, Wyoming -- to establish a branch at 3610 Dell Range 

Boulevard, Unit A5, Cheyenne. 

- Approved, July 9, 2001 

(AC) = Addition or Correction Delegated - Page 1 of 10 
H.2 Actions under delegated authority July 8, 2001 to July 14, 2001 

Bank Branches, Domestic 

Atlanta 

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 2400 East Plano 

Parkway, Plano, Texas. 

- Approved, July 12, 2001 

Chicago 

Titonka Savings Bank, Titonka, Iowa -- to purchase the Thompson and Forest City, both 

in Iowa, branches of Commercial Federal Bank, FSB, Omaha, Nebraska, and thereby 

establish a branch at 155 Jackson Street, Thompson, and relocate a branch to 102 North 

Clark Street, Forest City. 

- Approved, July 12, 2001 

Bank Holding Companies 

Kansas City 

1st Financial Bancshares, Inc., Shawnee Mission, Kansas -- to waive application 

requirements in connection with the acquisition of The Rio Grande County Bank, Del 

Norte, Colorado, by 1st Financial Bank, Overland Park, Kansas. 

- Approved, July 2, 2001 (AC) 

Atlanta 

Appalachian Bancshares, Inc., Ellijay, Georgia -- waiver of commitment. 

- Withdrawn, July 11, 2001 

San Francisco 

Cascade Financial Corporation, Everett, Washington -- to become a bank holding 

company through the conversion of its subsidiary, Cascade Bank, from a federal stock 

savings bank to a state nonmember commercial bank; and election to become a financial 

holding company. 

- Approved, July 9, 2001 

Secretary 

Citigroup Inc. and Citicorp, New York, New York, and Citigroup Holdings Company, 

Wilmington, Delaware -- commenter's request to extend the comment period on the 

proposed acquisition of Grupo Financiero Banamex-Accival, S.A. de C.V., Mexico City, 

Mexico, and its banking and nonbanking subsidiaries. 

- Denied, July 9, 2001 

(AC) = Addition or Correction Delegated - Page 2 of 10 
H.2 Actions under delegated authority July 8, 2001 to July 14, 2001 

Bank Holding Companies 

San Francisco 

Clark County Bancorporation, Vancouver, Washington -- to become a bank holding 

company through the acquisition of Bank of Clark County. 

- Approved, July 11, 2001 

Atlanta 

Cumberland Bancorp, Inc., Nashville, Tennessee -- waiver of a commitment. 

- Approved, July 13, 2001 

Director, BS&R 

Fifth Third Bancorp, Cincinnati, Ohio -- relief from a certain commitment in connection 

with the acquisition of Old Kent Financial Corporation, Grand Rapids, Michigan. 

- Granted, July 12, 2001 

Chicago 

First Indiana Corporation, Indianapolis, Indiana -- to become a bank holding company 

through the acquisition of First Indiana Bank, National Association, a de novo bank; and 

to engage through its subsidiary, Somerset Financial Services, LLC, in financial and 

investment advisory activities, management consulting and counseling activities, and real 

estate and personal property appraising related to extending credit. 

- Approved, July 10, 2001 

Secretary 

First Union Corporation, Charlotte, North Carolina -- commenter's request to extend the 

comment period on the proposed acquisition of Wachovia Corporation, Winston-Salem. 

- Denied, July 10, 2001 

Atlanta 

Florida Coastline Community Group, Inc., Miami, Florida -- to become a bank holding 

company through the acquisition of Florida Coastline National Bank, a de novo bank. 

- Approved, July 12, 2001 

Philadelphia 

Franklin Financial Services Corporation, Chambersburg, Pennsylvania -- to acquire 

shares of American Home Bank, National Association, Lancaster. 

- Approved, July 9, 2001 

(AC) = Addition or Correction Delegated - Page 3 of 10 
H.2 Actions under delegated authority July 8, 2001 to July 14, 2001 

Bank Holding Companies 

Chicago 

Harvard Bancorp, Inc., Harvard, Illinois -- to acquire Hebron Bancshares, Inc., Hebron, 

and Hebron State Bank. 

- Approved, July 10, 2001 

Chicago 

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to acquire National City 

Bancorporation, Minneapolis, Minnesota, and thereby acquire National City Bank of 

Minneapolis; and to acquire Diversified Business Credit, Inc. and thereby engage in 

extending credit and servicing loans. 

- Approved, July 9, 2001 

Kansas City 

Meader Insurance Agency, Inc., Waverly, Kansas -- waiver of application requirements 

in connection with the acquisition of The Rio Grande County Bank, Del Norte, Colorado, 

by Meader's subsidiaries, 1st Financial Bancshares, Inc., Shawnee Mission, and 1st 

Financial Bank, Overland Park, 

- Granted, July 12, 2001 

Atlanta 

SouthTrust Corporation, Birmingham, Alabama, and SouthTrust of Alabama, Inc. --

waiver of application requirements in connection with the proposed merger of SouthTrust 

of Alabama's subsidiary, SouthTrust Bank, with CENIT Bank, Norfolk, Virginia, and 

SouthTrust Corporation, Birmingham, with CENIT Bancorp, Inc., Norfolk. 

- Approved, July 9, 2001 

Bank Mergers 

Kansas City 

1st Financial Bank, Overland Park, Kansas -- to merge with The Rio Grande County 

Bank, Del Norte, Colorado, to retain its branches, and to establish a de novo branch at 

9892 Rosemont Avenue, Lone Tree. 

- Withdrawn, July 7, 2001 (AC) 

(AC) = Addition or Correction Delegated - Page 4 of 10 
H.2 Actions under delegated authority July 8, 2001 to July 14, 2001 

Bank Mergers 

St. Louis 

Bank of Louisville, Louisville, Kentucky -- to merge with Bank of Louisville FSB, La 

Grange, and retain its branches. 

- Approved, July 9, 2001 

Chicago 

Central Trust & Savings Bank, Cherokee, Iowa -- to acquire the assets and liabilities of 

First Federal Bank, Sioux City, and thereby establish a branch. 

- Approved, July 10, 2001 

St. Louis 

English State Bank, English, Indiana -- to merge with Peoples Trust Bank Company, 

Corydon, and retain its branches. 

- Approved, July 11, 2001 

Minneapolis 

Glacier Bank of Whitefish, Whitefish, Montana -- to merge with Glacier Bank of Eureka, 

Eureka, and thereby establish a branch. 

- Approved, July 12, 2001 

Banks, Foreign 

Boston 

Anglo Irish Bank Corporation PLC, Dublin, Ireland -- to establish a representative office 

in New York, New York. 

- Approved, July 12, 2001 

Change In Bank Control 

Atlanta 

Eufaula BancCorp, Inc., Eufaula, Alabama -- change in bank control. 

- Permitted, July 13, 2001 

St. Louis 

First Nokomis Bancorp, Inc., Nokomis, Illinois -- change in bank control. 

- Permitted, July 9, 2001 

(AC) = Addition or Correction Delegated - Page 5 of 10 
H.2 Actions under delegated authority July 8, 2001 to July 14, 2001 

Competitive Factors Reports 

Cleveland 

Advance Financial Bancorp, Wellsburg, West Virginia -- report on competitive factors of 

the proposed acquisition of Bridgeport Savings and Loan Association, Bridgeport, Ohio, 

and merger of Advance Financial Savings Bank, FSB, Wellsburg. 

- Submitted, July 11, 2001 

Chicago 

American Community Bank & Trust, Woodstock, Illinois -- report on competitive factors 

of the proposed merger with Republic Bank of Woodstock, an interim bank. 

- Submitted, July 12, 2001 

Cleveland 

Bank One, National Association, Columbus, Ohio -- report on competitive factors of the 

proposed merger with First Chicago NBD Mortgage Company, Troy, Michigan, and 

Banc One Mortgage Corporation, Indianapolis, Indiana. 

- Submitted, July 11, 2001 

Chicago 

Citizens State Bank, Sheldon, Iowa -- report on competitive factors of the proposed 

merger with Farmers Savings Bank, Boyden, and Boyden Bancorp. 

- Submitted, July 12, 2001 

Cleveland 

ESB Financial Corporation, Ellwood City, Pennsylvania -- report on competitive factors 

of the proposed acquisition of Workingmens Savings Bank, FSB, Pittsburgh, and merger 

with ESB Bank, FSB, Ellwood City. 

- Submitted, July 11, 2001 

St. Louis 

Farmers State Bank of Hoffman, Hoffman, Illinois -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Hoyleton, Illinois, branch 

of Union Planters Bank, N.A., Memphis, Tennessee. 

- Submitted, July 11, 2001 

(AC) = Addition or Correction Delegated - Page 6 of 10 
H.2 Actions under delegated authority July 8, 2001 to July 14, 2001 

Competitive Factors Reports 

Chicago 

First Indiana Bank, National Association, Indianapolis, Indiana, a de novo bank -- report 

on competitive factors of the proposed merger with First Indiana Bank, FSB. 

- Submitted, July 11, 2001 

Dallas 

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

proposed merger with Interim FNB National Bank. 

- Submitted, July 11, 2001 

St. Louis 

The First National Bank of Columbia, Columbia, Kentucky -- report on competitive 

factors of the proposed purchase of assets and assumption of liabilities of the Burkesville, 

Kentucky, branch of Union Planters Bank, N.A., Memphis, Tennessee. 

- Submitted, July 13, 2001 

Minneapolis 

First Security Bank, Bozeman, Montana -- report on competitive factors of the proposed 

purchase of certain assets and assumption of liabilities of the West Yellowstone branch of 

First Interstate Bank, Billings. 

- Submitted, July 10, 2001 

Kansas City 

First State Bank, Gothenburg, Nebraska -- report on competitive factors of the proposed 

merger with the Omaha branch of First American Savings Bank. 

- Submitted, July 12, 2001 

Chicago 

First USA Bank, National Association, Wilmington, Delaware -- report on competitive 

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

Bank One, National Association, Chicago, Illinois. 

- Submitted, July 12, 2001 

(AC) = Addition or Correction Delegated - Page 7 of 10 
H.2 Actions under delegated authority July 8, 2001 to July 14, 2001 

Competitive Factors Reports 

Atlanta 

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

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

the Monterey branch of Union Planters Bank, N.A., Memphis. 

- Submitted, July 11, 2001 

Kansas City 

First Western National Bank, La Jara, Colorado -- report on competitive factors of the 

proposed purchase of certain assets and assumption of certain liabilities of Valley Bank 

and Trust Company, Scottsbluff, Nebraska. 

- Submitted, July 11, 2001 

Chicago 

Harvard State Bank, Harvard, Illinois -- report on competitive factors of the proposed 

merger with Hebron State Bank, Hebron. 

- Submitted, July 10, 2001 

Atlanta 

Horizon Bank, FSB, Pembroke Pines, Florida -- report on competitive factors of the 

proposed merger with Horizon Interim Savings Bank. 

- Submitted, July 12, 2001 

St. Louis 

Peoples Bank of Senatobia, Senatobia, Mississippi -- report on competitive factors of the 

proposed merger with First Tennessee Bank, N.A., Memphis, Tennessee. 

- Submitted, July 11, 2001 

Minneapolis 

Premier Bank Metro South, Farmington, Minnesota -- report on competitive factors of 

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

Albertville branch of Security State Bank of Maple Lake, Maple Lake. 

- Submitted, July 11, 2001 

(AC) = Addition or Correction Delegated - Page 8 of 10 
H.2 Actions under delegated authority July 8, 2001 to July 14, 2001 

Competitive Factors Reports 

Atlanta 

Riverside National Bank, Fort Pierce, Florida -- report on competitive factors of the 

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

Orange and Melbourne branches of BankAtlantic of Fort Lauderdale, Fort Lauderdale. 

- Submitted, July 12, 2001 

St. Louis 

South Side National Bank in St. Louis, Missouri -- report on competitive factors of the 

proposed merger with Allegiant Bank. 

- Submitted, July 9, 2001 

Chicago 

State Bank of Speer, Speer, Illinois -- report on competitive factors of the proposed 

merger with SBS Interim Bank. 

- Submitted, July 12, 2001 

Chicago 

West Bend Savings Bank, West Bend, Wisconsin -- report on competitive factors of the 

proposed merger with an interim thrift institution. 

- Submitted, July 12, 2001 

Extensions Of Time 

Kansas City 

American Exchange Bank, Elmwood, Nebraska -- extension to October 8, 2001, to 

purchase Federal Reserve stock. 

- Granted, July 10, 2001 

Kansas City 

Shamrock Bancshares Employee Stock Ownership Plan, Coalgate, Oklahoma --

extension to January 31, 2002, to acquire Shamrock Bancshares, Inc. 

- Granted, July 12, 2001 

Minneapolis 

Waumandee Bancshares, Ltd., Waumandee, Wisconsin -- extension to October 13, 

2001, to acquire Waumandee State Bank. 

- Granted, July 13, 2001 

(AC) = Addition or Correction Delegated - Page 9 of 10 
H.2 Actions under delegated authority July 8, 2001 to July 14, 2001 

Financial Holding Companies 

Cleveland 

Oak Hill Financial, Inc., Jackson, Ohio -- election to become a financial holding company. 

- Effective, July 11, 2001 

Membership 

Atlanta 

Tennessee State Bank, Pigeon Forge, Tennessee -- to become a member of the Federal 

Reserve System. 

- Approved, July 12, 2001 

Reserve Bank Operations 

General Counsel 

Federal Reserve Bank of New York -- to act as fiscal agent in connection with the 

proposed issue of United States Dollar Bonds by the Inter-American Development Bank. 

- Approved, July 9, 2001 

(AC) = Addition or Correction Delegated - Page 10 of 10 
District 1
 

Federal Reserve Bank of Boston
 

Applications and notifications filed during the week ending Saturday, July 14, 2001 

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 Bancorp, Inc. (Central), Somerville, Massachusetts – Newspaper – 08/01/2001 

notice by John D. and Joseph R. Doherty, Chairman of the Fed Reg – 08/02/2001 

Board and President, respectively, of Central, to acquire greater 

than 10% of the outstanding common stock of Central 

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 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 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 2
 

Federal Reserve Bank of New York
 

Applications and notifications filed during the week ending Saturday, July 14, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

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

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

Representative Banca Comerciala Romana S.A., Bucharest, Romania, to 

Office establish a representative office in New York, New York.* 

Branch	 NCF Bank Plc (formerly known as Nordea Companies Finland 

(NCF) Plc formerly known as MeritaNordbanken Plc), to 

establish a state-licensed branch at 437 Madison Avenue, New 

York, New York.* 

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

establish a branch office at 6744 Hillcroft Avenue, Houston, 

Texas.* 

Newspaper – N/Avail 

Newspaper – N/Avail 

Newspaper – N/Avail 

Newspaper – 7/28/2001 

* 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 

3(a)(1)/3(a)(3) North Fork Bancorporation, Inc. and its wholly-owned Newspaper – N/Avail 

subsidiary, North Fork Bank, both of Melville, New York, to Fed Reg – 07/30/2001 

acquire Commercial Bank of New York, New York, New 

York.* 

* 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 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 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, July 14, 2001 

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 

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 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 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 4
 

Federal Reserve Bank of Cleveland
 

Applications and notifications filed during the week ending Saturday, July 14, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Received notice from Chippewa Valley Bank, Rittman, OH on 05/31/2001 

07/10/2001 of its intent to establish a branch at the northwest 

corner of State Route 3 and Greenwich Road, Seville, OH 

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

Ending date of 

Type Application comment period 

CIC	 Received notice from Janet Williams (individually and as trustee) Not Yet Known 

and members of the Williams Family in concert on 07/05/2001 to 

retain up to 12.2% and 35.9%, respectively, of the outstanding 

voting shares of NB&T Financial Group, Inc., Wilmington, OH 

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 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 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 5
 

Federal Reserve Bank of Richmond
 

Applications and notifications filed during the week ending Saturday, July 14, 2001 

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 

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 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

615329 *The Forest Hill State Bank 

2334 Rock Spring Road 

Forest Hill, Maryland 21050 

926025 *F&M Bank-Central Virginia 

1425 Seminole Trail 

Charlottesville, Virginia 22901 

849432 The Bank of Monroe 

Main Street 

Union, West Virginia 24983 

04/16/2001 07/01/2001 S X 

04/23/2001 07/07/2001 S X 

04/30/2001 07/12/2001 S X 

*Inadvertently omitted from bulletin for week ending July 7, 2001. 

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, July 14, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch	 SouthTrust Bank, Birmingham, Alabama, to establish a branch 06/29/2001* 

located at 2400 East Plano Parkway, Plano, Texas, to be known 

as the Plano Parkway Branch. 

*Subject to provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

3(a)(1)	 Medley Group, Inc., Dothan, Alabama, to become a bank Not yet available* 

holding company by acquiring Bonifay Holding Company, Inc., 

Bonifay, Florida. 

*Subject to 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 

COM	 Georgia Bancshares, Inc., Fayetteville, Georgia, commitment 

waiver request. 
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 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 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, July 14, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) 

Branch 

18(c) & 

Branches 

18(c) & 

Branches 

18(c) & 

Branches 

18(c) & 

Branches 

Cedar Rapids Bank and Trust Company, Cedar Rapids, Iowa, 

for prior approval to acquire the Cedar Rapids, Iowa branch 

office of Quad City Bank and Trust Company, Bettendorf, 

Iowa.* 

Comerica Bank, Detroit, Michigan, for prior approval to 

establish a branch at 66900 Gratiot, Richmond, Michigan.* 

Comerica Bank-California, San Jose, California, for prior 

approval to merge with Imperial Bank, Inglewood, California 

and thereby to establish 15 branches.* 

Commercial Trust & Savings Bank, Storm Lake, Iowa, for prior 

approval to acquire the Storm Lake, Iowa branch office of 

Commercial Federal Bank, FSB, Omaha, Nebraska and thereby 

to establish a branch at 1250 N. Lake Avenue, Storm Lake, 

Iowa.* 

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

acquire the LaPorte and Michigan City, Indiana, branch offices 

of Citizens Financial Services, FSB, Munster, Indiana and 

thereby to establish two branch offices at 714 Lincolnway, 

LaPorte, Indiana and 4005 Franklin Street, Michigan City, 

Indiana.* 

Titonka Savings Bank, Titonka, Iowa, for prior approval to 

purchase the Forest City, Iowa and Thompson, Iowa branches of 

Commercial Federal Bank, FSB, Omaha, Nebraska and thereby 

to establish a branch at 155 Jackson Street, Thompson, Iowa and 

to relocate their branch located at 101 N. Clark Street, Forest 

City, Iowa to 102 N. Clark Street, Forest City, Iowa.* 

Newspaper – 7/08/2001 

Newspaper – 7/06/2001 

Newspaper – 7/04/2001 

Newspaper – 7/09/2001 

Newspaper – N/Avail 

Newspaper – 7/06/2001 

* 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 

3(a)(1) American Community Financial, Inc., Woodstock, Illinois, for 

prior approval to become a bank holding company through the 

acquisition of 100 percent of the voting stock of American 

Community Bank & Trust, Woodstock, Illinois.* 

4(c)(8) Chemical Financial Corporation, Midland, Michigan, for prior 

approval to acquire 100 percent of the voting shares of Bank 

West Financial Corporation, Grand Rapids, Michigan and 

thereby indirectly acquire Bank West, Grand Rapids, 

Michigan.* 

3(a)(5) First Financial Corporation, Terre Haute, Indiana, for prior 

approval to acquire 100 percent of the voting shares of 

Community Financial Corp., Olney, Illinois and thereby 

indirectly acquire Community Bank and Trust, N.A., Olney, 

Illinois.* 

4(c)(8) Hasten Bancshares, Indianapolis, Indiana, for prior approval to 

acquire 100 percent of the outstanding common stock of 

Harrington Financial Group, Inc., Overland Park, Kansas, and 

thereby indirectly acquire Harrington Bank, FSB, Richmond, 

Indiana and to acquire 19.9 percent of the outstanding common 

stock of Harrington Financial Group, Inc., Overland Park, 

Kansas, and thereby indirectly acquire Harrington Bank, FSB, 

Richmond, Indiana.* 

Notification by Charles Weldon Morrison of a Change in 

Control of Lamoine Bancorp, Inc., La Harpe, Illinois. 

3(a)(1) MB-MidCity, Inc., Chicago, Illinois, for prior approval to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of MB Financial, Inc. and 

Manufacturers National Corporation, both located in Chicago, 

Illinois and thereby indirectly acquire Manufacturers Bank, 

Chicago, Illinois; 100 percent of the voting shares of MidCity 

Financial Corporation, Chicago, Illinois and thereby indirectly 

acquire First National Bank of Elmhurst, Elmhurst, Illinois, 

Mid-City National Bank of Chicago, Chicago, Illinois, First 

National Bank of Morton Grove, Morton Grove, Illinois and 

Union Bank and Trust Company, Oklahoma City, Oklahoma 

and 100 percent of the voting shares of Abrams Centre 

Bancshares, Inc., Dallas, Texas and thereby indirectly acquire 

Abrams Centre National Bank, Dallas, Texas.* 

3(a)(1) Piper Holdings, Inc., Covington, Indiana, for prior approval to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of The Fountain Trust Company, 

Covington, Indiana.* 

3(a)(3) Quad City Holdings, Inc., Moline, Illinois, for prior approval to 

acquire 100 percent of the voting shares of Cedar Rapids Bank 

and Trust Company (in organization), Cedar Rapids, Iowa.* 

Fed Reg – 7/30/2001 

Newspaper – N/Avail 

Fed Reg – N/Avail 

Newspaper – N/Avail 

Fed Reg – 8/10/2001 

Newspaper – N/Avail 

Fed Reg – 8/01/2001 

Newspaper – 7/31/2001 

Fed Reg – 7/24/2001 

Newspaper – N/Avail 

Fed Reg – 8/10/2001 

Newspaper – N/Avail 

Fed Reg – 7/30/2001 

Newspaper – N/Avail 

Fed Reg – 7/09/2001 

Newspaper – 7/08/2001 

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

Ending date of 

Type Application comment period 

3(a)(1) Speer Bancshares, Inc., Speer, Illinois, for prior approval to Fed Reg – 7/20/2001 

become a bank holding company through the acquisition of 100 Newspaper – N/Avail 

percent of the voting shares of State Bank of Speer, Speer, 

Illinois.* 

* 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 

4(c)(8) MB-MidCity, Inc., Chicago, Illinois, for prior approval to 

acquire 60 percent of the voting shares of Summit MFR Leasing 

LLC, Cincinnati, Ohio and Sentry Lease Equity Pool 2000-1, 

LLC, Salt Lake City, Utah. 

Fed Reg – 8/10/2001 

4(c)(8) Northern Trust Corporation, Chicago, Illinois, for prior approval 

to engage indirectly through Northern Trust Global Advisors, 

Inc., Stamford, Connecticut, in the nonbanking activity of 

serving as investment advisor and in the nonbanking activities 

of commodity pool operator and commodity trading advisor. 

Fed Reg – 7/26/2001 

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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

429535 Bartonville Bank 01/08/2001 07/12/2001 S X 

5600 S. Adams Street 

Bartonville, Illinois 61607 

(309) 697-2100 

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, July 14, 2001 

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 

3(a)(3) Notice by First Banks, Inc., St. Louis, Missouri, to acquire 100 

percent of Charter Pacific Bank, Agoura Hills, California.* 

3(a)(3) Companion notice by First Banks America, Inc., St. Louis, 

Missouri, to acquire 100 percent of Charter Pacific Bank, 

Agoura Hills, California.* 

CIC Notice involving Casey County Bancorp, Inc., Liberty, 

Kentucky, by David F. McAnelly, Liberty, Kentucky, to retain 

up to 10.42 percent. 

CIC Notice involving Casey County Bancorp, Inc., Liberty, 

Kentucky, by Robert T. Rousey and June Rousey, Liberty, 

Kentucky, as a control group, to retain 13.28 percent. 

Newspaper – 8/6/2001 

Fed Reg – 8/9/2001 

Newspaper – 8/6/2001 

Fed Reg – 8/9/2001 

Newspaper – N/Avail 

Fed Reg – N/Avail 

Newspaper – N/Avail 

Fed Reg – N/Avail 

* Subject to the provisions of the Community Reinvestment Act) 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

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

Type Application 

Membership Notice by Warren Bank and Trust Company, Warren, Arkansas, 

to become a state-chartered 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 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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, July 14, 2001 

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 

3(a)(1) Douglas County Bancshares, Inc., Alexandria, Minnesota, 

proposes to become a bank holding company through the 

acquisition of 100% of the voting shares of Neighborhood 

National Bank, Alexandria, Minnesota, a de novo bank.* 

3(a)(3) Western Bancorporation, Inc., Duluth, Minnesota, proposes to 

acquire 100% of the voting shares of Cass Lake Company, Cass 

Lake, Minnesota.* 

3(a)(3) Dacotah Banks, Inc., Aberdeen, South Dakota, proposes to 

acquire F&M Bank Holding Company of Valley City, Inc., 

Valley City, North Dakota.* 

Fed. Reg. – 08/03/2001 

Newspaper - N/Avail. 

Fed. Reg. – 08/02/2001 

Newspaper – 07/31/2001 

Fed. Reg. – 08/06/2001 

Newspaper – 08/10/2001 

*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 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 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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, July 14, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) Community Banks of Southern Colorado, Rocky Ford, Newspaper – 07/23/2001 

Colorado, for prior approval to purchase certain assets and 

assume certain liabilities of the First National Bank in 

Walsenburg, Walsenburg, Colorado. 

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

Ending date of 

Type Application comment period 

3(a)(1) Cornerstone Bancshares, Inc., Overland Park, Kansas, for prior Newspaper – 08/10/2001 

approval to become a bank holding company through the Fed Reg – 08/06/2001 

acquisition of 100 percent of the voting shares of Cornerstone 

Bank, Overland Park, Kansas (in organization). 

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 

Member Cornerstone Bank, Overland Park, Kansas (in organization), 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 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 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, July 14, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) Falcon International Bank, Laredo, TX, to purchase assets and 

assume liabilities of a branch fromNational Bank and Trust, La 

Grange, TX, and establish a branch office* 

(previously reported the week ending June 30, 2001) 

07/07/2001

Branch Falcon International Bank, Laredo, TX, to establish a branch 

office at 19230 Oak Parkway, San Antonio, TX, 78258* 

(previously reported the week ending June 30, 2001) 

07/07/2001

*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 

3(a)(1) Spector Holdings Management, L.L.C., San Antonio, TX, 

to acquire 

Spector Holdings Limited Partnership, San Antonio, TX, 

Luling Bancshares, Inc., Luling, TX, 

Luling Delaware Financial Corporation, Dover, DE, and 

Citizens State Bank of Luling, Luling, TX* 

3(a)(1) Spector Holding Limited Partnership, San Antonio, TX, 

to acquire 

Luling Bancshares, Inc., Luling, TX, 

Luling Delaware Financial Corporation, Dover, DE, and 

Citizens State Bank of Luling, Luling, TX* 

3(a)(1) Luling Bancshares, Inc., Luling, TX, to acquire 

Luling Delaware Finanical Corporation, Dover, DE, and 

Citizens State Bank of Luling, Luling, TX* 

3(a)(1) Luling Delaware Financial Corporation, Dover, DE, to acquire 

Citizens State Bank of Luling, Luling, TX* 

Fed Reg – 08/06/2001 

Newspaper – 08/04/2001 

Fed Reg – 08/06/2001 

Newspaper – 08/04/2001 

Fed Reg – 08/06/2001 

Newspaper – 08/04/2001 

Fed Reg – 08/06/2001 

Newspaper – 08/04/2001 

*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 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 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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, July 14, 2001 

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 

3(a)(3) BNP Paribas, Paris, France, to increase their ownership from 45 Newspaper –N/Avail 

percent to 100 percent of BancWest Corporation, Honolulu, Fed Reg – 08/10/2001 

Hawaii, and thereby indirectly acquire Bank of the West, San 

Francisco, California, and First Hawaiian Bank, Honolulu, 

Hawaii.* 

* 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 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 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