Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 1

Week Ending January 3, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
December 28, 2003 to January 3, 2004

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Banco Popular North America, New York, New York -- to establish a branch at 1600 

East Lamar Boulevard, Suite 270, Arlington, Texas.

- Approved, December 29, 2003 

New York

Central California Bank, Sonora, California -- to establish a branch at 2525 McHenry 

Avenue, Modesto.

- Approved, December 31, 2003 

San Francisco

First State Bank N.M., Taos, New Mexico -- to establish branches at 151 South College 

Avenue, Fort Collins, Colorado, and 220 Josephine Street, Denver.

- Approved, December 29, 2003 

Kansas City

New Century Bank, Phoenixville, Pennsylvania -- to establish a branch at 155 East 

Lancaster Avenue, Wayne.

- Approved, December 31, 2003 

Philadelphia

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 14925 

John J. Delaney Drive, Charlotte.

- Approved, December 29, 2003 

Secretary

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 919 East 

Main Street, Richmond, Virginia.

- Approved, December 30, 2003 

Secretary

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority December 28, 2003 to January 3, 2004

Bank Holding Companies

Citizens Banking Corporation, Frostproof, Florida -- to acquire shares of American 

Banking Corporation, Lake Wales, and thereby acquire American Bank and Trust.

- Approved, December 31, 2003 

Atlanta

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

Bancorp, Inc., Coffeyville, Kansas, and thereby acquire CSB Bancorp, Inc. and 

Community State Bank.

- Approved, December 31, 2003 

Kansas City

Fort Worth Bancshares, Inc., Forth Worth, Texas, and Fort Worth Bancorporation, Inc., 

Wilmington, Delaware -- to become bank holding companies through the acquisition of 

Fort Worth National Bank, Fort Worth.

- Approved, December 31, 2003 

Dallas

Main Street Bancorp, Inc., Northville, Michigan -- to become a bank holding company 

through the acquisition of Main Street Bank, a de novo bank.

- Approved, December 29, 2003 

Chicago

State Holding Company, Thermopolis, Wyoming -- to engage in title insurance activities 

in a community with a population of less than 5,000 through the acquisition of First 

American Title Company of Hot Springs County.

- Approved, December 30, 2003 

Kansas City

Synovus Financial Corp., Columbus, Georgia -- to merge with Peoples Florida Banking 

Corporation, Palm Harbor, Florida, and thereby acquire Peoples Bank. 

- Approved, December 31, 2003 

Atlanta

The Templar Fund, Inc., St. Louis, Missouri -- to acquire shares of Truman Bancorp, 

Inc. and thereby acquire Truman Bank.

- Withdrawn, December 29, 2003 

St. Louis

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority December 28, 2003 to January 3, 2004

Bank Mergers

The First State Bank of West Manchester, West Manchester, Ohio -- to acquire UMW 

Acquisition Corp, De Graff, an interim federally chartered savings association.

- Approved, December 29, 2003 

Cleveland

Banks, State Member

HSBC Bank USA, Buffalo, New York -- request for an exemption from section 23A of 

the Federal Reserve Act.

- Granted, December 29, 2003 

Director, BS&R

Change In Bank Control

Adams Bancshares, Inc., Adams, Minnesota -- change in bank control.

- Permitted, December 30, 2003 

Minneapolis

South Central Bancshares of Kentucky, Inc., Horse Cave, Kentucky -- change in bank 

control.

- Permitted, December 30, 2003 

St. Louis

Competitive Factors Reports

Bank of the Pacific, Aberdeen, Washington -- report on competitive factors of the 

proposed merger with Bank NorthWest, Bellingham.

- Submitted, December 31, 2003 

San Francisco

First State Bank Central Texas, Temple, Texas -- report on competitive factors of the 

proposed acquisition of a branch of Fidelity Bank of Texas, Waco, to be located at 9502 

West Adams, Temple.

- Submitted, January 2, 2004 

Dallas

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority December 28, 2003 to January 3, 2004

Competitive Factors Reports

Indian River National Bank, Vero Beach, Florida -- report on competitive factors of the 

proposed merger with Alabama National BanCorporation, Birmingham, Alabama, and 

the proposed purchase of assets and assumption of liabilities of two branches of Public 

Bank, St. Cloud, Florida.

- Submitted, December 31, 2003 

Atlanta

Interstate Bank, SSB, Perryton, Texas -- report on competitive factors of the proposed 

merger with Ultimate Mortgage Corporation, Amarillo.

- Submitted, January 2, 2004 

Dallas

Landmark National Bank, Manhattan, Kansas -- report on competitive factors of the 

proposed merger with First Kansas Financial Corporation, Osawatomie.

- Submitted, December 30, 2003 

Kansas City

South Carolina Bank and Trust, National Association, Orangeburg, South Carolina -- 

report on competitive factors of the proposed purchase of certain assets and assumption 

of certain liabilities of the Denmark branch of Security Federal Bank, Aiken.

- Submitted, January 2, 2004 

Richmond

Trustmark National Bank, Jackson, Mississippi -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of five branches of Allied 

Houston Bank, Houston, Texas, located in Harris and Waller Counties.

- Submitted, December 31, 2003 

Atlanta

Extensions Of Time

International Brotherhood of Boilermakers, Iron Ship Builders, Blacksmiths, Forgers and 

Helpers, Kansas City, Kansas -- extension to March 28, 2005, to acquire shares of 

Brotherhood Bancshares, Inc. and thereby acquire Brotherhood Bank & Trust Company.

- Granted, January 2, 2004 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority December 28, 2003 to January 3, 2004

Financial Holding Companies

HSBC Holdings plc, London, United Kingdom -- elections by HSBC North America 

Holdings Inc., Prospect Heights, Illinois, and HSBC Investments (North America) Inc., 

Wilmington, Delaware, to become financial holding companies.

- Effective, January 1, 2004 

New York

RBC USA Holdco Corporation, New York, New York -- election to become a financial 

holding company.

- Effective, December 29, 2003 

New York

Membership

Adirondack Bank, National Association, Saranac Lake, New York -- to become a 

member of the Federal Reserve System.

- Approved, December 29, 2003 

New York

The State National Bank of Eufaula, Eufaula, Oklahoma -- to become a member of the 

Federal Reserve System on conversion to a state-chartered bank to be known as Bank 

of Eufaula.

- Approved, December 30, 2003 

Kansas City

(AC) = Addition or Correction Delegated - Page 5 of 5
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, January 3, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, January 3, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(5) Lakeland Bancorp, Inc., Oak Ridge, New Jersey, to acquire up 

to 100 percent of Newton Financial Corporation and thereby 

indirectly acquire Newton Trust Company, both of Newton, 

New Jersey, pursuant to Section 3(a)(5) of the BHC Act and 

Section 225.15 of Regulation Y.

Newspaper – 02/04/2004

Fed Reg – 02/02/2004

CIC Barry M. Snyder and Lindrew Properties, LLC, both of Buffalo, 

New York, to acquire shares of Great Lake Bancorp, Inc., 

Buffalo, New York, (“GLB”) the holding company of Greater 

Buffalo Savings Bank, Buffalo, New York, that would bring his 

total holdings of GLB voting stock over 10% but less than 25% 

of all shares outstanding.

Newspaper – 11/24/2003

Fed Reg – 12/30/2003

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, January 3, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, January 3, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Applications by Fifth Third Bank, Grand Rapids, Michigan, to 

establish branches at 33133 West 12 Mile Road, Farmington 

Hills, MI; 2301 Gezon Parkway, Wyoming, MI; 1190 West 

Argyle Street, Jackson, MI; 2112 Jolly Road, Okemos, MI; 1710 

Maple Avenue, Evanston, IL; 1 North Wacker Drive, Chicago, 

IL; 235 West Rand Road, Mt. Prospect, IL; 1366 South 

Milwaukee Avenue, Libertyville, IL; and 460 South Randall 

Road, South Elgin, IL, pursuant to Section 208.6 of Regulation 

H.

Newspaper - 12/19/2003

Branch Applications by Fifth Third Bank, Cincinnati, Ohio, to establish 

branches at 7700 Cox Road, West Chester, Ohio and 5100 Terra 

Firma Drive, Mason, Ohio, pursuant to Section 208.6 of 

Regulation H.

Newspaper - 12/25/2003

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

Type Application

Ending date of

comment period

3(a)(1) PSB Holdings, Inc., New Matamoras, Ohio, proposes to become 

a bank holding company through the acquisition of The Peoples 

Savings Bank, New Matamoras, Ohio.

Newspaper - 12/04/2003

Fed Reg - 12/01/2003

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

645625 WesBanco Bank, Inc.

1 Bank Plaza

Wheeling, West Virginia 26003-3565

08/04/2003 01/02/2004 O X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, January 3, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) The Patapsco Bank, Dundalk, Maryland, to merge with Parkville 

Federal Savings Bank, Baltimore, Maryland.*

Newspaper – 01/15/2004

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, January 3, 2004

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 Red River Bancshares, Inc., Alexandria, Louisiana, after-the-fact 

change in control notification filed by John C. Simpson, New 

Orleans, Louisiana, to retain 10.05 percent of the outstanding 

shares of Red River Bancshares, Inc., and its subsidiary, Red 

River Bank, both of Alexandria, Louisiana.

Newspaper – N/Avail 

Fed Reg – 01/20/2004

CIC United Bank Corporation, Barnesville, Georgia, after-the-fact 

change in control notification filed by the Edwards Family

Holdings, LLLP, Barnesville, Georgia, the Edwards Family

Management Trust, Barnesville, Georgia, J. Joseph Edwards and 

Patricia C. Edwards, Barnesville, Georgia, James J. Edwards, 

Jr., Thomaston, Georgia, and Christopher C. Edwards, Griffin, 

Georgia, in their capacities as General Partners, to retain 34.51 

percent of the outstanding shares of United Bank Corporation, 

Barnesville, Georgia, and its subsidiary bank, United Bank, 

Zebulon, Georgia.

Newspaper – 01/13/2004

Fed Reg – 12/31/2003

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

Membership Sterling Bank, FSB, Lantana, Florida, to become a member of 

the Federal Reserve System.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, January 3, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C & Branches 

& 5D3

Irwin Union Bank and Trust Company, Columbus, Indiana, to 

purchase certain assets and certain deposit and other liabilities of 

Irwin Union Bank, F.S.B., Louisville, Kentucky, and thereby to 

establish branches at 224 South 200 West, Suite 100, Sa lt Lake 

City, Utah, and 401 N. Buffalo, Suite 200, Las Vegas, Nevada.*

Newspaper – N/Avail

Branch Johnson Bank, Racine, Wisconsin, to establish a branch facility 

to be located at 318 S. Washington Street, Green Bay, 

Wisconsin.*

Newspaper – N/Avail

Branch Libertyville Bank & Trust Company, Libertyville, Illinois, to 

establish a branch facility to be located at 657-663 O'Plaine 

Road, Gurnee, Illinois.*

Newspaper – 01/05/2004

Branch Libertyville Bank & Trust Company, Libertyville, Illinois, to 

establish a branch facility to be located at 345 South Milwaukee, 

Lake Villa, Illinois.*

Newspaper – 01/05/2004

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Capitol Bancorp, Ltd., Lansing, Michigan, to acquire 100 

percent of the voting shares of First Carolina State Bank, Rocky 

Mount, North Carolina.*

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notice by Steven Joseph Bonnet, East Dubuque, Illinois, to 

control 50.04 percent of East Dubuque Bancshares, Inc., 

Dubuque, Iowa, and thereby indirectly acquire East Dubuque 

Savings Bank, Dubuque, Iowa.

Fed Reg – 01/07/2004

Newspaper – N/Avail

3(a)(5) Fentura Financial, Inc., Fenton, Michigan, to merge with West 

Michigan Financial Corporation, Hudsonville, Michigan, and 

thereby indirectly acquire West Michigan Community Bank, 

Hudsonville, Michigan.*

Fed Reg – 01/09/2004

Newspaper – 01/11/2004
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) Will County Bancorp, Inc., Shorewood, Illinois, to become a 

bank holding company by acquiring up to 100 percent of the 

voting shares of Bank of Shorewood, Shorewood, Illinois.*

Fed Reg – 01/27/2004

Newspaper – 01/12/2004

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) ICNB Financial Corporation, Ionia, Michigan, to invest in 

Legacy Trust (in organization), Grand Rapids, Michigan, and 

thereby to engage in trust company functions.

Fed Reg – 01/19/2004

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.
Section V – Availability of CRA public evaluations

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

671147 Primebank

37 1st Avenue, Northwest

LeMars, Iowa 51031

(712) 546-4175

08/04/2003 12/29/2003 O X

596848 American Trust & Savings Bank

895 Main Street

Dubuque, Iowa 52001

(563) 582-1841

07/14/2003 12/29/2003 S X

968436 Midwest Bank and Trust Co.

1606 N. Harlem Avenue

Elmwood Park, Illinois 60707

(708) 456-4700

08/18/2003 12/31/2003 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, January 3, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Simmons First Bank of Russellville, Russellville, Arkansas, to 

establish a branch facility to be located at 1320 West Main 

Street, Clarksville, Arkansas.*

Newspaper – 01/17/2004

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3A1 Bancorp of Winona, Inc., Winona, Mississippi, to become a 

bank holding company by acquiring 100 percent of Bank of 

Winona, Winona, Mississippi.*

Newspaper – 02/02/2004

Fed Reg – 01/26/2004

3A1 Pittsfield Community Bancorp, Inc., Pittsfield, Illinois, to 

become a bank holding company by acquiring 100 percent of 

Community Bank of Pittsfield, Pittsfield, Illinois, and 

Community State Bank of Plymouth, Plymouth, Illinois.

(Previously submitted during the week ending December 27, 

2003.)*

Newspaper – 01/15/2004

Fed Reg – 01/23/2004

3A5 City Bancorp, Springfield, Missouri, to merge with Signature 

Bancshares, Inc., Springfield, Missouri, and thereby indirectly 

acquire Signature Bank, Springfield, Missouri.*

Newspaper – N/Avail 

Fed Reg – 01/30/2004

CIC Notice by Joseph Thomas McLane, Poplar Bluff, Missouri, to 

become a trustee and thereby gain control of Midwest 

Bancorporation, Inc. and Affiliates Employee Stock Ownership 

Plan, Poplar Bluff, Missouri.

Newspaper – 01/22/2004

Fed Reg 01/20/2004

CIC Notice by the Marantz Group, LP, Springfield, Illinois, to retain 

control of Staun Bancorp, Inc., Staunton, Illinois. The Marantz 

Group, LP is a proposed "qualified family partnership" and its 

general partner is Tom E. Marantz, Springfield, Illinois.

Newspaper – 02/09/2004

Fed Reg – 01/20/2004

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

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

761244 Belgrade State Bank

Belgrade, Missouri

09/08/2003 12/31/2003 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, January 3, 2004

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 Change in control notice by Ronald G. Chamberlin, Eitzen, 

Minnesota to gain control of Eitzen Independents, Inc., Eitzen, 

Minnesota, and thereby indirectly gain control of Eitzen State 

Bank, Eitzen, Minnesota.

Fed Reg-01/12/2004

Newspaper – 01/12/2004

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, January 3, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Bank of Choice Holding Company, Evans, Colorado, to become 

a bank holding company through the acquisition of 100 percent 

of the voting shares of Weld County Bank, Evans, Colorado.

Newspaper - N/Avail 

Fed Reg - 02/02/2004

3(a)(1) Thunder Bancorp, Inc., Sylvan Grove, Kansas, to become a bank 

holding company through the acquisition of 100 percent of the 

voting shares of Beverly State Bank, Beverly, Kansas (to 

become Thunder Bank, Sylvan Grove, Kansas).

Newspaper - 12/06/2003

Fed Reg - 12/19/2003

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) Thunder Bancorp, Inc., Sylvan Grove, Kansas, to engage in 

insurance agency activities.

Fed Reg - 12/19/2003

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

Type Application

Membership Beverly State Bank, Beverly, Kansas (to become Thunder Bank, 

Sylvan Grove, Kansas), to become a member of the Federal 

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

Type Application

Membership The State National Bank of Eufaula, Eufaula, Oklahoma (to be 

renamed Bank of Eufaula, Eufaula, Oklahoma), to become a 

member of the Federal Reserve System.

4(c)(8) First Westroads Bank, Omaha, Nebraska, to engage in making 

and servicing loans.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

285151 Colorado Bank & Trust Company of 

La Junta

301 Colorado

La Junta, Colorado 81050-3607

10/14/2003 01/01/2004 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, January 3, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C Texas State Bank, McAllen, TX, to acquire Community Bank 

and Trust, SSB, Beaumont, TX* (previously reported the week 

ending December 27, 2003)

Newspaper – 01/23/2004

Branch Texas State Bank, McAllen, TX, to establish 31 branches in 

Texas* (previously reported the week ending December 27, 

2003)

Newspaper – 01/23/2004

* Subject to the provisions of the Community Reinvestment Act 

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

Type Application

Ending date of

comment period

3(a)(3) American Bank Holding Corporation, Corpus Christi, TX, to 

acquire First National Bank of Goliad, Goliad, TX*

Fed Reg – 01/05/2004

Newspaper – N/Avail

3(a)(3) Sulphur Springs Bancshares, Inc., Sulphur Springs, TX, and

Sulphur Springs Delaware Financial Corporation, Dover, DE, to 

acquire Hawkins Financial Corporation, Hawkins, TX, Hawkins 

Delaware Financial Corporation, Wilmington, DE, and First 

State Bank, Hawkins, TX* (previously reported the week ending 

December 27, 2003) 

Fed Reg – 01/22/2004

Newspaper – 01/19/2004

3(a)(5) Texas Regional Bancshares, Inc., McAllen, TX, and Texas 

Regional Delaware, Inc., Wilmington, DE, to acquire Southeast 

Texas Bancshares, Inc., Beaumont, TX, Texas Community 

Bancshares of Delaware, Inc., Wilmington, DE, and Community 

Bank and Trust, SSB, Beaumont, TX* (previously reported the 

week ending December 27, 2003)

Fed Reg – 01/23/2004

Newspaper – 01/23/2004

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

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, January 3, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C Branch United Security Bank, Fresno, California, to merge with Taft 

National Bank, Taft, California, and to acquire two branches of 

target.*

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Investment China Trust Holdings Corporation, Torrance, California, to 

make a $20 million overseas investment in a limited partnership 

under the laws of the Cayman Islands.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None