Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 32

Week Ending August 7, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions August 1, 2004 to August 7, 2004

Bank Holding Companies

Popular, Inc., San Juan, Puerto Rico, Popular International Bank, Inc., and Popular 

North America, Inc., Mt. Laurel, New Jersey -- to acquire Quaker City Bancorp, Inc., 

Whittier, California, and Quaker City Bank; and for Banco Popular North America, New 

York, New York, to merge with Quaker City Bank, Whittier.

- Approved, August 5, 2004 

Bank Mergers

Gateway Bank & Trust Co., Elizabeth City, North Carolina -- to acquire three branches 

of Provident Bank of Maryland, Baltimore, Maryland, in Elizabeth City, North Carolina, 

Emporia, Virginia, and Suffolk.

- Approved, August 3, 2004 

Regulations And Policies

Disputed Consumer Information -- request for comment on a study being conducted by 

the Board on investigations of disputed consumer information reported to consumer 

reporting agencies (Docket No. OP-1209).

- Approved, August 5, 2004 

Enforcement

Traders Bank, Spencer, West Virginia -- written agreement with the Federal Reserve 

Bank of Richmond and the West Virginia Division of Banking.

- Announced, August 2, 2004 

(AC) = Addition or Correction Board - Page 1 of 1
August 1, 2004 to August 7, 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

AmSouth Bank, Birmingham, Alabama -- to establish a branch at 6310 Gunn Highway, 

Tampa, Florida.

- Approved, August 3, 2004 

Atlanta

The Bank of New York, New York, New York -- to establish a branch at 1886 

Eastchester Road, Bronx.

- Approved, August 4, 2004 

New York

Bank of Smithtown, Smithtown, New York -- to establish a branch at 100 Motor 

Parkway, Hauppauge.

- Approved, August 6, 2004 

New York

Bank of the James, Lynchburg, Virginia -- to establish a branch at 828 Main Street.

- Approved, August 5, 2004 

Richmond

The Croghan Colonial Bank, Fremont, Ohio -- to establish a mobile branch to serve 

Sandusky, Seneca, Erie, Ottawa, Huron, Wood, Lucas, and Hancock Counties.

- Approved, August 5, 2004 

Cleveland

Farmers & Merchants Savings Bank, Manchester, Iowa -- to establish a branch at 220 

West Main Street, Anamosa, and to increase its investment in bank premises.

- Approved, August 5, 2004 

Chicago

Farmers and Merchants Bank of Central California, Lodi, California -- to establish a 

branch at 2401 West Turner Road, Suite 280.

- Approved, August 4, 2004 

San Francisco

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority August 1, 2004 to August 7, 2004

Bank Branches, Domestic

Fifth Third Bank, Cincinnati, Ohio -- to establish branches at 19 North Poplar Street, 

Oxford; and 707 Grant Street, Pittsburgh, Pennsylvania.

- Approved, August 5, 2004 

Cleveland

Heber Springs State Bank, Heber Springs, Arkansas -- to establish a branch at the 

intersection of Highways 5 and 36, Rose Bud.

- Approved, August 6, 2004 

St. Louis

HomeFederal Bank, Columbus, Indiana -- to establish a branch at 1510 West Southport 

Road, Indianapolis.

- Approved, August 5, 2004 

Chicago

Manufacturers and Traders Trust Company, Buffalo, New York -- for its subsidiary, 

M&T Bank, to establish a seasonal-use, limited branch at York Technical Institute, 1405 

Williams Road, Springettsbury Township, Pennsylvania.

- Approved, August 2, 2004 

New York

Regions Bank, Birmingham, Alabama -- to establish a branch at 15 Bull Street, Savannah, 

Georgia.

- Approved, August 5, 2004 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish branches at 10100 Forest Hill Boulevard, 

Wellington, Florida, and One South Dixie Highway, Lake Worth.

- Approved, August 5, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority August 1, 2004 to August 7, 2004

Bank Holding Companies

Abington Mutual Holding Company, Jenkintown, Pennsylvania, and Abington Community 

Bancorp, Inc. -- to become bank holding companies in connection with the reorganization 

of Abington Savings Bank from a state-chartered mutual savings bank to a statechartered stock savings bank.

- Withdrawn, August 4, 2004 

Philadelphia

AmTrust, Inc., Dubuque, Iowa -- to engage de novo in extending credit and servicing 

loans.

- Withdrawn, August 3, 2004 

Chicago

Crosstown Holding Company, Blaine, Minnesota -- to acquire State Bank of Loretto, 

Loretto.

- Approved, August 4, 2004 

Minneapolis

First Banks, Inc., St. Louis, Missouri -- to acquire shares of Community West 

Bancshares, Goleta, California, and thereby acquire Goleta National Bank.

- Approved, August 4, 2004 

St. Louis

First National Bank Holding Company, Scottsdale, Arizona -- to acquire First Capital 

Bank of New Mexico, FSB, Albuquerque, New Mexico, and thereby operate a savings 

association.

- Withdrawn, August 2, 2004 

San Francisco

MidSouth Bancorp, Inc., Lafayette, Louisiana -- to acquire Lamar Bancshares, Inc., 

Beaumont, Texas, Lamar Bank, and Lamar Delaware Financial Corporation, Dover, 

Delaware.

- Approved, August 6, 2004 

Secretary

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority August 1, 2004 to August 7, 2004

Bank Holding Companies

Mitsubishi Tokyo Financial Group, Inc., Tokyo, Japan, and The Bank of TokyoMitsubishi, Ltd. -- to acquire shares of The Clearing House Payments Company, LLC, 

New York, New York, and thereby engage in electronic funds transfer, check-clearing 

settlement, and data processing activities.

- Approved, August 6, 2004 

Secretary

North Valley Bancorp, Redding, California -- to acquire Yolo Community Bank, 

Woodland.

- Approved, August 3, 2004 

San Francisco

Texas United Bancshares, Inc., La Grange, Texas, and Texas United Nevada, Carson 

City, Nevada -- to acquire by merger GNB Bancshares, Inc., Gainesville, Texas, and 

indirectly acquire Guaranty National Bancshares, Inc., Wilmington, Delaware, and GNB 

Financial, N.A., Gainesville.

- Approved, August 4, 2004 

Dallas

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

comment period on the application to acquire SouthTrust Corporation, Birmingham, 

Alabama.

- Denied, August 5, 2004 

Secretary

West Metro Financial Services, Inc., Dallas, Georgia -- relief from a commitment.

- Granted, August 6, 2004 

Atlanta

Bank Mergers

Community Banks of Colorado, Greenwood Village, Colorado -- to purchase certain 

assets and assume certain liabilities of Community Banks of Southern Colorado, Rocky 

Ford, and establish six branches.

- Approved, August 5, 2004 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority August 1, 2004 to August 7, 2004

Bank Premises

Farmers Bank and Trust Company, Blytheville, Arkansas -- to increase its investment in 

bank premises.

- Approved, August 5, 2004 

St. Louis

Banks, Foreign

ABN AMRO Bank, N.V., Amsterdam, The Netherlands -- to operate a temporary 

branch pursuant to Regulation K.

- Approved, August 5, 2004 

Director, BS&R

Competitive Factors Reports

21st Century Bank, Ham Lake, Minnesota -- report on competitive factors of the 

proposed merger with State Bank of Loretto, Loretto.

- Submitted, August 3, 2004 

Minneapolis

American Bank of the North, Nashwauk, Minnesota -- report on competitive factors of 

the proposed merger with the Chisholm branch of Associated Bank Minnesota, National 

Association, Minneapolis.

- Submitted, August 5, 2004 

Minneapolis

Arizona Bank & Trust, Mesa, Arizona -- report on competitive factors of the proposed 

merger with Colonial Trust Company, Phoenix.

- Submitted, August 4, 2004 

Chicago

Everbank, Jacksonville, Florida -- report on competitive factors of the proposed 

acquisition of deposit accounts from Pan American Bank, FSB, Burlingame, California.

- Submitted, August 2, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority August 1, 2004 to August 7, 2004

Competitive Factors Reports

The First National Bank and Trust Company of Rochelle, Rochelle, Illinois -- report on 

competitive factors of the proposed purchase of certain assets and certain deposit 

liabilities of the Rochelle and Oregon branches of Blackhawk State Bank, Beloit, 

Wisconsin.

- Submitted, August 4, 2004 

Chicago

First National Bank of Wyoming, Laramie, Wyoming -- report on competitive factors of 

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

Banks of the Rockies, La Jara, Colorado.

- Submitted, August 3, 2004 

Kansas City

North Valley Bank, Redding, California -- report on competitive factors of the proposed 

merger with Yolo Community Bank, Woodland.

- Submitted, August 5, 2004 

San Francisco

Philo Exchange Bank, Philo, Illinois -- report on competitive factors of the proposed 

merger with The State Bank of Allerton, Allerton.

- Submitted, August 4, 2004 

Chicago

Union Planters Bank, National Association, Memphis, Tennessee -- report on 

competitive factors of the proposed merger with Union Planters Mortgage, Inc., 

Hattiesburg, Mississippi, in connection with a corporate reorganization.

- Submitted, August 2, 2004 

Atlanta

Extensions Of Time

American Bank Incorporated, Allentown, Pennsylvania -- extension to September 9, 

2004, to acquire shares of PSB Bancorp, Inc., Philadelphia.

- Granted, August 5, 2004 

Philadelphia

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority August 1, 2004 to August 7, 2004

Extensions Of Time

Citigroup Inc., New York, New York -- extension of time to conform certain investments 

to the requirements of Regulation K.

- Granted, August 3, 2004 

Director, BS&R

FSB Bancshares, Inc., Henderson, Tennessee -- extension to November 1, 2004, to 

acquire shares of Merchants and Planters Bancshares, Inc., Toone, Tennessee, and 

thereby acquire Merchants and Planters Bank.

- Granted, August 5, 2004 

St. Louis

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

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, August 7, 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, August 7, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Dexia Credit Local, Paris, France, to upgrade its New York 

agency to a branch.

Newspaper – 08/09/2004

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 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, August 7, 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

2580243 American Bank, Allentown, PA 03/15/2004 07/02/2004 S X

2785477 Asian Bank, Philadelphia, PA 04/12/2004 07/15/2004 O X

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, August 7, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Fifth Third Bank, Grand Rapids, Michigan to establish a branch 

facility at 1945 East Apple Avenue, Muskegon, Michigan

Newspaper – 08/14/2004

* Subject to the provisions of the Community Reinvestment Act

Section II – Applications subject to both newspape r and Federal Register notice

Type Application

Ending date of

comment period

*3(a)(5) First Citizens Banc Corp, Sandusky, Ohio, to acquire 100 

percent of FNB Financial Corporation and its wholly-owned 

subsidiary, First National Bank of Shelby, both of Shelby, Ohio.

Newspaper – N/Avail

Fed Reg – 08/12/2004

*3(a)(5) F.N.B. Corporation, Hermitage, PA to acquire Slippery Rock 

Financial Corporation, Slippery Rock, PA and its wholly-owned 

subsidiary, The First National Bank of Slippery Rock, Slippery 

Rock, PA pursuant to Sections 3(a)(5) of the Bank Holding 

Company Act.

Newspaper – 08/13/2004

Fed Reg – 08/16/2004

*3(a)(5) & 4(c)(8) PNC Financial Services Group, Inc., Pittsburgh, PA to acquire 

100 percent of Riggs National Corporation, Washington, DC, 

and thereby indirectly acquire certain of its non bank 

subsidiaries and Riggs Bank, N.A. McLean, Virginia.

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

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, August 7, 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 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, August 7, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located at 2123 Whitesburg Drive, Huntsville, Alabama.*

Newspaper – 08/19/2004

Branch SunTrust Bank, Atlanta, Georgia, to establish a branch located at 

2250 North Orange Blossom Trail, Orlando, Florida, to be 

known as the West College Park Office.*

Newspaper – 08/18/2004

*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)(1) YBHC Corp., Ponchatoula, Louisiana, to become a bank holding 

company by acquiring 100 percent of the outstanding shares of 

Your Bank, Ponchatoula, Louisiana.*

Newspaper – N/Avail

Fed Reg – 09/07/2004

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

4(c)(8) CenterState Bank of Florida, Inc., Winter Haven, Florida, to 

acquire CenterState Home Loans, LLC, Orlando, Florida, and 

thereby engage in making, acquiring, brokering, or servicing 

loans or other extensions of credit.

Fed Reg – N/Avail
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

3(a)(1) PrimeTrust Financial Corporation, Nashville, Tennessee, notice 

to become a bank holding company by acquiring 100 percent of 

the outstanding shares of PrimeTrust Bank, Nashville, 

Tennessee.

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, August 7, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18c & Branches Citizens Bank, Flint, Michigan, to merge with F&M BankWisconsin, Kaukauna, Wisconsin, and thereby to establish 51 

branches.*

Newspaper – 08/08/2004

18c & Branches Iowa State Bank, Hull, Iowa, to purchase the assets and assume 

the liabilities of the Orange City, Iowa, and Sheldon, Iowa, 

branch offices of First Federal Bank, Sioux City, Iowa, and 

thereby to establish branch offices at 104 1st Street SE, Orange 

City, Iowa, and 1201 Second Avenue, Sheldon, Iowa.*

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

4(c)(8) Marshall & Ilsley Corporation, Milwaukee, Wisconsin, proposes 

to acquire indirectly through its subsidiary, Metavante 

Corporation, 100 percent of Response Data Corp., Parsippany, 

New Jersey, and thereby engage in data processing activities.

Fed Reg – N/Avail
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

FBSEA ABN AMRO Bank N.V., Amsterdam, The Netherlands, to 

establish a temporary branch office to be located at ABN 

AMRO Plaza, 540 West Madison, Chicago, Illinois, pursuant to 

Section 211.24(a)(5) of Reg. K.

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 Fourth Quarter of 2004

Institution Location

Pullman Bank and Trust Co. Chicago, Illinois

Libertyville Bank & Trust Company Libertyville, Illinois

Rushville State Bank Rushville, Illinois

Tower Bank & Trust Company Fort Wayne, Indiana

Salin Bank and Trust Company Indianapolis, Indiana

Rolling Hills Bank & Trust Atlantic, Iowa
Section VI – CRA examinations scheduled for Fourth Quarter of 2004

Institution Location

Quad City Bank & Trust Co. Bettendorf, Iowa

Community Bank of Boone Boone, Iowa

Tama State Bank Marshalltown, Iowa

Central State Bank Muscatine, Iowa

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances.
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, August 7, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First Bank, St. Louis, Missouri, to establish a branch facility to 

be located at 221 Salt Lick Road, St. Peters, Missouri.*

Newspaper – 08/21/2004

* 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 VI, Inc., Stillwell, Kansas, to become a bank holding 

company by acquiring 100 percent of The First State Bank of 

Grand Chain, Grand Chain, Illinois. (Previously reported during 

the week ended July 31, 2004.)*

Newspaper – 08/26/2004

Fed Reg – 08/27/2004

3A1 Centennial Bancshares, Inc., Little Rock, Arkansas, to become a 

bank holding company by acquiring 100 percent of Pine State 

Bancshares, Inc., Kingsland, Arkansas, and thereby indirectly 

acquire Pine State Bank, Kingsland, Arkansas.*

Newspaper – N/Avail

Fed Reg – 09/03/2004

3A1 Sterling Bancshares, Inc., Poplar Bluff, Missouri, to become a 

bank holding company by acquiring 100 percent of Sterling 

Bank, Poplar Bluff, Missouri (in formation).*

Newspaper – 09/03/2004

Fed Reg – 09/02/2004

3A3 S.Y. Bancorp, Inc., Louisville, Kentucky, to acquire 9.9 percent 

of Indiana Business Bank, Indianapolis, Indiana (in formation).*

Newspaper – N/Avail

Fed Reg – 09/02/2004

* 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

4c8 Cass Information Systems, Inc., Bridgeton, Missouri, to acquire 

substantially all of the assets of PROFITLAB, Inc., Greenville, 

South Carolina, and thereby engage in data processing activities.

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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, August 7, 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)(3) Heritage Bancshares Group, Inc., Willmar, Minnesota, to 

acquire 100% of Raymond Bancshares, Inc., Raymond, 

Minnesota, and thereby indirectly acquire Farmers State 

Bank of Raymond, Raymond, Minnesota.*

Fed Reg – 08/27/2004

Newspaper – N/Avail

CIC Jason B. Hauff, Grandin, North Dakota, to gain control of 

Hunter Holding Company, Hunter, North Dakota, and 

thereby indirectly gain control of Security State Bank of 

Hunter, Hunter, North Dakota; First State Bank of Hope, 

Hope, North Dakota; and First State Bank of Gackle, 

Gackle, North Dakota.

Fed Reg – 08/24/2004

Newspaper – 08/25/2004

CIC Notice by Ralph D. Jones, Midland, South Dakota, to 

acquire control of Philip Bancorporation, Inc., Philip, 

South Dakota, and thereby indirectly acquire control of 

First National Bank in Philip, Philip, South Dakota.

Fed Reg – 08/23/2004

Newspaper – 08/18/2004

* 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

456157 Peoples State Bank 

Hayward, Wisconsin

11/17/2003 08/03/2004 S 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, August 7, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Chickasha Bank and Trust Company, Chickasha, Oklahoma, to 

establish a branch at 5003 East Highway 37, Tuttle, Oklahoma.

Newspaper – 08/12/2004

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

Type Application

Ending date of

comment period

3(a)(3) Citizens Bancshares Co., Chillicothe, Missouri, to acquire up to 

12 percent of the voting shares of First Community Bancshares, 

Inc., Overland Park, Kansas, and thereby indirectly acquire First 

Community Bank, Lee's Summit, Missouri.

Newspaper – 08/11/2004

Fed Reg – 08/23/2004

3(a)(3) First Centralia Bancshares, Inc., Centralia, Kansas, to acquire up 

to 8.30 percent of the voting shares of Morrill Bancshares, Inc., 

Merriam, Kansas, and thereby indirectly acquire Morrill and 

Janes Bank and Trust Company, Merriam, Kansas; City 

National Bank, Kilgore, Texas; and 1st Bank Oklahoma, 

Claremore, Oklahoma.

Newspaper – 08/30/2004

Fed Reg – 09/02/2004

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

2317672 First American State Bank

8390 E. Crescent Parkway, Suite 100

Greenwood Village, Colorado 80111

05/10/2004 08/06/2004 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, August 7, 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) First Metroplex Capital, Inc., Dallas, TX, to acquire T Bank, 

N.A., Dallas, TX (de novo)*

Fed Reg – 09/03/2004

Newspaper – 09/02/2004

* 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

3(a)(1) Texas Bancshares, Inc., Snyder, TX, and Texas Financial of 

Delaware, Inc., Snyder, TX, to acquire Texas Savings Bank, 

SSB, Snyder, TX*

* Subject to the provisions of the Community Reinvestment Act
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, August 7, 2004

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Oak Valley Community Bank, Oakdale, California, to establish 

a branch facility to be located at 2001 Geer Road, Turlock, 

California.*

Newpaper – 08/01/2004

* 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

Member Bank of Whitman, Colfax, Washington, to become a member of 

the Federal Reserve System.

Member East-West Bank, San Marino, California, 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 4th Quarter of 2004

Institution Location

Auburn Community Bank Auburn, California

Bank of Hawaii Honolulu, Hawaii

Bank of Sacramento Sacramento, California

Mission Community Bank San Luis Obispo, California

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances.