H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 12 

Week Ending March 19, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions March 13, 2005 to March 19, 2005 

Testimony And Statements 

Future of the Social Security Program and Economics of Retirement -- statement by 

Chairman Greenspan before the Senate Special Committee on Aging. 

- Published, March 15, 2005 

Bank Holding Companies 

Citigroup Inc., New York, New York -- to acquire First American Bank, SSB, 

Bryan, Texas, on its conversion to a national bank. 

- Approved, March 16, 2005 

Regulations And Policies 

Classification of Commercial Credit Exposures -- interagency publication for 

comment of a new classification system for rating commercial credit exposures. 

- Approved, March 14, 2005 

Guidelines for Safeguarding Customer Information -- interagency guidance for 

financial institutions regarding the development and implementation of a response 

program to address unauthorized access to customer information (Docket No. OP1155). 

- Approved, March 18, 2005 

Enforcement 

First Interstate Bank, Billings, Montana -- issuance of a consent order of assessment 

of a civil money penalty. 

- Announced, March 16, 2005 

HomeFederal Bank, Columbus, Indiana -- issuance of a consent order of assessment 

of a civil money penalty. 

- Announced, March 16, 2005 

Midwest Bankcentre, St. Louis, Missouri -- issuance of a consent order of 

assessment of a civil money penalty. 

- Announced, March 16, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority March 13, 2005 to March 19, 2005 

BS&R Banking Supervision and Regulation RBOPS Reserve Bank Operations and Payment Systems 

C&CA Consumer and Community Affairs IF International Finance 

FOMC Federal Open Market Committee OSDM Office of Staff Director for Management 

Bank Branches, Domestic 

Secretary 

First Gulf Bank, Gulf Shores, Alabama -- to establish a branch at 30500-A State 

Highway 181, Spanish Fort. 

- Approved, March 17, 2005 

Cleveland 

Heartland Bank, Gahanna, Ohio -- to establish a branch at 65 East State Street, 

Columbus. 

- Approved, March 18, 2005 

Philadelphia 

Lafayette Ambassador Bank, Easton, Pennsylvania -- to establish a branch at 1127 

Chestnut Street, Emmaus. 

- Approved, March 17, 2005 

St. Louis 

Progress Bank of Missouri, Sullivan, Missouri -- to establish a branch at 1022 North 

State Highway 27, Warrenton. 

- Approved, March 15, 2005 

Chicago 

Royal American Bank, Inverness, Illinois -- to establish a branch at 1001 Johnson 

Drive, Buffalo Grove. 

- Approved, March 17, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish branches at 3653 Orlando Drive, 

Sanford, Florida; 3250 Vineland Road, Osceola; 1241 State Road 436, Unit 101, 

Casselberry; and 1700 South Orange Blossom Trail, Apopka. 

- Approved, March 17, 2005 

San Francisco 

Valley Independent Bank, El Centro, California -- to establish a branch at 10100 

Trinity Parkway, Suite 400, Stockton. 

- Approved, March 15, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 4 
H.2 Actions under delegated authority March 13, 2005 to March 19, 2005 

Bank Holding Companies 

Minneapolis 

Bozeman Bancorp, Inc., Manhattan, Montana -- to become a bank holding company 

and to acquire Bank of Bozeman, Bozeman, a de novo bank. 

- Approved, March 17, 2005 

Chicago 

Capitol Bancorp Ltd., Lansing, Michigan -- to acquire 51 percent of the shares of 

Peoples State Bank, Jeffersonville, Georgia. 

- Approved, March 18, 2005 

Philadelphia 

Sterling Financial Corporation, Lancaster, Pennsylvania -- to retain ownership of 

Delaware Sterling Bank & Trust Company, Christiana, Delaware. 

- Approved, March 18, 2005 

Atlanta 

Wilson Bank Holding Company, Lebanon, Tennessee -- to acquire 50 percent of the 

shares of Community Bank of Smith County, Carthage, and Dekalb Community 

Bank, Smithville. 

- Approved, March 16, 2005 

Bank Mergers 

Kansas City 

Bank 7, Medford, Oklahoma -- to purchase certain assets and assume certain 

liabilities of the Oklahoma City branch of Guarantee State Bank, Lawton, and 

thereby establish a branch. 

- Approved, March 14, 2005 

Competitive Factors Reports 

San Francisco 

Guaranty Bank of California, Los Angeles, California -- report on competitive 

factors of the proposed merger with Sincere Federal Savings Bank, San Francisco. 

- Submitted, March 15, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 4 
H.2 Actions under delegated authority March 13, 2005 to March 19, 2005 

Competitive Factors Reports 

Philadelphia 

Keystone Nazareth Bank & Trust Company, Bethlehem, Pennsylvania -- report on 

competitive factors of the proposed merger with First Federal Bank, Hazelton, and 

Northeast Pennsylvania Trust Company. 

- Submitted, March 14, 2005 

New York 

Provident Bank, Montebello, New York -- report on competitive factors of the 

proposed purchase of the South Fallsburg branch of HSBC Bank USA, National 

Association, Wilmington, Delaware. 

- Submitted, March 15, 2005 

New York 

Provident Municipal Bank, Montebello, New York -- report on competitive factors 

of the proposed acquisition of certain municipal deposit liabilities of Provident 

Bank. 

- Submitted, March 16, 2005 

San Francisco 

Regents Bank, National Association, La Jolla, California -- report on competitive 

factors of the proposed merger with Regents Savings Bank, Vancouver, 

Washington, a de novo bank. 

- Submitted, March 15, 2005 

Extensions Of Time 

Minneapolis 

First Community Bank, Glasgow, Montana -- extension to April 2, 2006, to 

establish a de novo branch at 2965 Prospect Avenue, Helena. 

- Granted, March 18, 2005 

Minneapolis 

Hopkins Financial Corporation, Mitchell, South Dakota -- extension to June 14, 

2005, to engage de novo in lending activities. 

- Granted, March 14, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 4 
H.2 Actions under delegated authority March 13, 2005 to March 19, 2005 

Regulations And Policies 

Secretary 

Regulation Z (Truth in Lending) -- commenter's request to extend the comment 

period on the review of the open-end (revolving) credit rules of Regulation Z. 

- Denied, March 15, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 4 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, March 19, 2005

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, March 19, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Banco LatinoAmericano De Exportaciones, S.A., Panama City, 

Panama, to establish a representative office in Miami, Florida.

Newspaper – N/Avail

FBSEA Banco Votorantim, Sao Paulo, Brazil, to establish a 

representative office in New York, New York.

Newspaper – N/Avail

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

4C8 HSH Nordbank Ag, Hamburg, Germany, to engage de novo 

through NY Credit Real Estate Fund, L.P. and New York Credit 

Advisors LLC, a joint venture investment, in extending credit 

and servicing loans and acting as an investment or financial 

advisor.

Fed Reg – 03/31/2005

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, March 19, 2005

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

4(c)(8) Royal Bancshares of Pennsylvania, Narberth, PA, proposes 

to engage in de novo activity of extending credit 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

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, March 19, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 1604 

North Barron Street, Eaton, OH

Newspaper – 03/18/2005

*Branch Heartland Bank, Gahanna, OH to establish a branch at 65 East 

State Street, Columbus, OH

Newspaper – 03/05/2005

*Subject to the Provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

*3(a)(5) Peoples Community Bancorp, Inc., West Chester, OH to acquire 

American State Corporation and its wholly-owned subsidiary 

American State Bank, both of Lawrenceburg, IN

Newspaper – N/Avail

Fed Reg – 04/07/2005

*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 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, March 19, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

a branch at 1640 Buford Highway, Cumming, Georgia.*

Newspaper – 03/25/2005

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) GrandSouth Bancorporation, Greenville, South Carolina, 

to acquire 100% of the voting securities of Car Bucks, Inc., 

Anderson, South Carolina.

Fed Reg – 04/07/2005

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

Type Application

Investment Wachovia Bank, National Association, Charlotte, North 

Carolina, to have its wholly-owned Edge Corporation 

subsidiary, Wachovia International Banking Corporation, 

Charlotte, North Carolina, make a capital contribution of 

$100 million in its broker-dealer subsidiary, Wachovia 

Securities International Limited, London, England.
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, March 19, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank Independent, Sheffield, Alabama, to establish a branch 

located at 112 North Marion Street, Suite A, Athens, Alabama.*

Newspaper – 03/26/2005

18(c) Regions Bank, Birmingham, Alabama, to merge with Union 

Planters Bank, National Association, Memphis, Tennessee.*

Newspaper – 04/11/2005

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Firstrust Corporation, New Orleans, Louisiana, to acquire 100 

percent of the outstanding shares of Central Bank for Savings, 

Winona, Mississippi.*

Newspaper – 04/04/2005

Fed Reg – 04/07/2005

4(c)(8) Firstrust Corporation, New Orleans, Louisiana, to acquire 100 

percent of the outstanding shares of Central Bank for Savings, 

Winona, Mississippi, and thereby engage in operating a savings 

association.*

Newspaper – 04/04/2005

Fed Reg – 04/07/2005

4(c)(8) The Colonial BancGroup, Inc., Montgomery, Alabama, to 

acquire 100 percent of the outstanding shares of FFLC Bancorp, 

Inc., and its subsidiary, First Federal Savings Bank of Lake 

County, both of Leesburg, Florida, and thereby engage in 

operating a savings association.*

Newspaper – N/Avail

Fed Reg – 03/25/2005

3(a)(1) Jones County Bancshares, Inc., Laurel, Mississippi, to become a 

bank holding company by acquiring 100 percent of the 

outstanding shares of Bank of Jones County, Laurel, 

Mississippi.*

Newspaper – 04/11/2005

Fed Reg – 04/11/2005

*Subject to 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 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, March 19, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Geneva, Geneva, Indiana, to establish a branch facility 

to be located at 1451 North Meridian Street, Portland, Indiana.*

Newspaper – 03/31/2005

Branch Royal American Bank, Inverness, Illinois, to establish a branch 

facility to be located at 1001 Johnson Drive, Buffalo Grove, 

Illinois.*

Newspaper – 02/28/2005

* 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) & 3(a)(1) Capitol Bancorp, Ltd., Lansing, Michigan, to acquire 100 

percent of the voting shares of Capitol Development 

Bancorp Limited II, Lansing, Michigan, and thereby 

indirectly acquire Bank of Bellevue (in organization), 

Bellevue, Washington, and by Capitol Development 

Bancorp Limited II, Lansing, Michigan, to become a bank 

holding company by acquiring 51 percent of the voting 

shares of Bank of Bellevue (in organization), Bellevue, 

Washington.*

Fed Reg – 04/12/2005

Newspaper – N/Avail

CIC Notice by Michael J. Rivers, Winona, Minnesota, to acquire 

approximately 22.07 percent of the voting shares of Central 

Wisconsin Financial Services, Inc., Wausau, Wisconsin, and 

thereby indirectly acquire Bank of Wausau, Wausau, Wisconsin.

Fed Reg – 02/22/2005

Newspaper – N/Avail

CIC Notice by Jeffrey Dinklage, Wisner, Nebraska, to increase 

ownership of D & H Investments Corporation, Cherokee, Iowa, 

to 27.14 percent following the purchase of 160 shares.

Fed Reg – 03/22/2005

Newspaper – 03/24/2005

3(a)(1) & 

Membership

Edgebrook Bancorp, Inc., Chicago, Illinois, to become a bank 

holding company by acquiring 100 percent of the voting shares 

of Edgebrook Bank (in organization), Chicago, Illinois, and by 

Edgebrook Bank (in organization), Chicago, Illinois, to become 

a member of the Federal Reserve System.*

Fed Reg – 04/15/2005

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

Type Application

Ending date of

comment period

3(a)(3) Great River Financial Group, Inc., Burlington, Iowa, to acquire 

100 percent of Two Rivers Bank and Trust (in organization), 

Johnston, Iowa.*

Fed Reg – 03/28/2005

Newspaper – 04/01/2005

3(a)(1) & 4(c)(8) iTeam Companies, Inc., Brookfield, Wisconsin, to become a 

bank holding company by acquiring 100 percent of the voting 

shares of Bank of Kenney, Kenney, Illinois, and to engage in 

data processing activities through its subsidiary, iStream 

Companies, Inc., Brookfield, Wisconsin.*

Fed Reg – 04/11/2005

Newspaper – N/Avail

CIC Notice by Everett D. Lawrence, Marshall, Illinois, acting in 

concert with Lawrence Gravel, Phyllis Lawrence, and Kim 

Schmidt, to retain control of the voting stock of Preferred 

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

Preferred Bank, Casey, Illinois.

Fed Reg – 03/24/2005

Newspaper – 03/31/2005

* 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) First National Bancshares, Inc., East Lansing, Michigan, to 

retain its 100 percent interest in Equifunding, Inc., East Lansing, 

Michigan, and thereby engage in acquiring debt in default 

(including tax liens).

Fed Reg – N/Avail

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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, March 19, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Arvest Bank, Fayetteville, Arkansas, to establish a branch 

facility to be located at 2900 West Main Place, Russellville, 

Arkansas.*

Newspaper – 03/21/2005

* 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

311845 Arvest Bank 

Fayetteville, Arkansas

10/12/2004 03/14/2005 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, March 19, 2005

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

4(c)(8) Carlson Bankshares, Inc., Comfrey, Minnesota, to operate a 

savings association as a result of the conversion of Peoples State 

Bank of Comfrey, Comfrey, Minnesota, to a federal savings 

bank to be known as Choice Financial Savings Bank, Comfrey, 

Minnesota.*

Fed Reg – 04/15/2005

Newspaper – N/Avail

3(a)(3) & 4(c)(8) Choice Financial Holdings, Inc., Grafton, North Dakota, to 

acquire 85 percent of Peoples State Bank of Comfrey, Comfrey, 

Minnesota.*

Fed Reg – 04/15/2005

Newspaper – N/Avail

3(a)(1) Rum River Bancorporation, Inc., Milaca, Minnesota to become a 

bank holding company by acquiring 100 percent of the First 

National Bank of Milaca, Milaca, Minnesota.*

Fed Reg – N/Avail

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

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

240459 State Bank of Ewen

Ewen, Michigan

12/13/2004 03/18/2005 O X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, March 19, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First State Bank N.M., Taos, New Mexico, to establish a branch 

at 215 Union Boulevard, Suite 150 and 175, Lakewood, 

Colorado.

Newspaper – 03/12/2005

Branch First Bank of Medicine Lodge, Medicine Lodge, Kansas, to 

relocate its main office to 7401 W. 135th Street, Overland Park, 

Kansas, and to establish its office at 120 E. Kansas, Medicine 

Lodge, Kansas, as a branch.

Newspaper – 03/22/2005

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

Type Application

Ending date of

comment period

3(a)(1) BOTS, Inc., Topeka, Kansas, to become a bank holding 

company through the acquisition of 100 percent of the voting 

shares of VisionBank, Topeka, Kansas (in organization).

Newspaper – 04/01/2005

Fed Reg – 04/04/2005

CIC Notification by Daniel Buford, Stephen Buford, Sam Buford, 

Ernest Dillard, Sheila Dillard, Aaron Dillard, and Hannah 

Dillard, all of Tulsa, Oklahoma; Sharon Linsenmeyer, Beatrice, 

Nebraska; and Sarah Dillard, Tampa, Florida, to acquire control 

of Healthcare Bancorp, Inc., parent of First BankCentre, both of 

Broken Arrow, Oklahoma.

Newspaper – N/Avail

Fed Reg – 03/25/2005

CIC Notification by Kenneth D. Klehm, Edmond, Oklahoma, and G. 

Blake Hogan, Houston, Texas, as trustees of the William M. 

Cameron 2004 Family Trusts, to retain control of First Fidelity 

Bancorp, Inc., parent of First Fidelity Bank, N.A., both in 

Oklahoma City, Oklahoma.

Newspaper – N/Avail

Fed Reg – N/Avail

CIC Notification by Robert E. Mickey, Jr., Holden, Missouri, 

individually and as trustee of the Marilyn Mickey Clay 2005 

Irrevocable Trust, to acquire control of F&C Bancorp, Inc., 

parent of Farmers and Commercial Bank, both in Holden, 

Missouri.

Newspaper – N/Avail

Fed Reg – N/Avail
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, March 19, 2005

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 Notice by Rodney A. Abrams, Northbrook, Illinois; et al, to 

acquire an interest in Surety Capital Corporation, Fort Worth, 

Texas, and indirectly acquire Surety Bank, National Association, 

Fort Worth, Texas.

Fed Reg – N/Avail

Newspaper – N/Avail

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, March 19, 2005

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