Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 15 

Week Ending April 13, 2002 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions April 7, 2002 to April 13, 2002 

Bank Holding Companies 

SinoPac Holdings, Taipei, Taiwan -- to acquire Bank SinoPac and thereby become a 

bank holding company through the indirect acquisition of its U.S. subsidiary bank, Far 

East National Bank, Los Angeles, California. 

- Approved, April 11, 2002 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority April 7, 2002 to April 13, 2002 

BS&R 

C&CA 

FOMC 

Banking Supervision and Regulation 

Consumer and Community Affairs 

Federal Open Market Committee 

RBOPS 

IF 

OSDM 

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

Bank Branches, Domestic 

Richmond 

CapitalBank, Greenwood, South Carolina -- to establish a branch at 1722 North Main 

Street, Anderson. 

- Approved, April 9, 2002 

Chicago 

Comerica Bank, Detroit, Michigan -- to establish branches at 1277 East M-36, Pinckney 

and 10059 Highland Road, Howell. 

- Approved, April 12, 2002 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish branches at 30700 Van Dyke 

Avenue, Warren; 31700 14 Mile Road, West Bloomfield; and 1620 North Telegraph 

Road, Dearborn. 

- Approved, April 9, 2002 

Atlanta 

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 9151 Warren 

Parkway, Frisco, Texas. 

- Approved, April 11, 2002 

Secretary 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 109 Royal Palm Way, Palm 

Beach, Florida. 

- Approved, April 9, 2002 

San Francisco 

Union Bank of California, National Association, San Francisco, California -- to establish 

a branch in Calgary, Canada. 

- Approved, April 9, 2002 

(AC) = Addition or Correction Delegated - Page 1 of 4 
H.2 Actions under delegated authority April 7, 2002 to April 13, 2002 

Bank Branches, Domestic 

St. Louis 

The Vine Street Trust Company, Owensboro, Kentucky -- to establish a branch at 3285 

Blazer Parkway, Lexington. 

- Approved, April 11, 2002 

Bank Holding Companies 

St. Louis 

ESB Bancorp, Inc., Elberfeld, Indiana -- to become a bank holding company through the 

acquisition of The Elberfeld State Bank. 

- Withdrawn, April 10, 2002 

Richmond 

First Citizens Bancorporation of South Carolina, Inc., Columbia, South Carolina -- to 

acquire shares of Bank of Wilmington, Wilmington, North Carolina. 

- Approved, April 11, 2002 

Cleveland 

First Financial Bancorp, Hamilton, Ohio -- to engage de novo in providing investment 

advisory services to open-end investment companies and certain administrative and other 

services for mutual funds through First Financial Capital Advisors, LLC. 

- Approved, April 8, 2002 

Chicago 

Hometown Community Bancorp, Inc., Morton, Illinois -- to become a bank holding 

company through the acquisition of Hometown Independent Bancorp, Inc. and thereby 

indirectly acquire Morton Community Bank. 

- Returned, April 11, 2002 

St. Louis 

Liberty Bancshares, Inc., Jonesboro, Arkansas -- to become a bank holding company 

through the acquisition of The Bank of Jonesboro. 

- Approved, April 5, 2002 (AC) 

(AC) = Addition or Correction Delegated - Page 2 of 4 
H.2 Actions under delegated authority April 7, 2002 to April 13, 2002 

Change In Bank Control 

St. Louis 

Century Bancshares, Inc., Gainesville, Missouri -- change in bank control. 

- Permitted, April 8, 2002 

Atlanta 

Citizens Bancorporation, Inc., Plaquemine, Louisiana -- change in bank control. 

- Permitted, April 8, 2002 

Kansas City 

Falcon Bancorp, Inc., Anadarko, Oklahoma -- change in bank control. 

- Permitted, April 12, 2002 

St. Louis 

Midwest Community Bancshares, Inc., Marion, Illinois -- change in bank control. 

- Permitted, April 9, 2002 

Atlanta 

The Southern Bancorp, Inc. Employee Stock Ownership Plan, Marietta, Georgia --

change in bank control. 

- Withdrawn, April 8, 2002 

Competitive Factors Reports 

New York 

Atlantic Bank of New York, New York, New York -- report on competitive factors of 

the proposed merger with Yonkers Federal Savings & Loan, Yonkers. 

- Submitted, April 11, 2002 

Chicago 

Capstone Bank, National Association, Watseka, Illinois -- report on competitive factors 

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

Hoopeston, Potomac, and Rankin branches of Old National Bank, Evansville. 

- Submitted, April 10, 2002 

(AC) = Addition or Correction Delegated - Page 3 of 4 
H.2 Actions under delegated authority April 7, 2002 to April 13, 2002 

Competitive Factors Reports 

Kansas City 

First National Bank in Belleville, Belleville, Kansas -- report on competitive factors of the 

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

and Chapman branches of Community Bank, Chapman. 

- Submitted, April 8, 2002 

Minneapolis 

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

merger with First State Bank of Fort Benton, Fort Benton. 

- Submitted, April 10, 2002 

Kansas City 

Shamrock Bank, National Association, Coalgate, Oklahoma -- report on competitive 

factors of the proposed merger with First Bank of Apache, Apache; Bryan County 

National Bank, Caddo; and Clayton State Bank, Clayton. 

- Submitted, April 8, 2002 

Kansas City 

TeamBank, National Association, Paola, Kansas -- report on competitive factors of the 

proposed merger with Community Bank, Chapman. 

- Submitted, April 8, 2002 

Extensions Of Time 

Chicago 

East Side Bancorporation, Inc., Chicago, Illinois -- extension to October 20, 2002, to 

purchase loan participations from its subsidiary bank, BankChicago, and thereby engage 

in extending credit and servicing loans. 

- Granted, April 11, 2002 

Financial Holding Companies 

San Francisco 

Town Center Bancorp, Portland, Oregon -- election to become a financial holding 

company. 

- Effective, April 11, 2002 

(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, April 13, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, April 13, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

Commitment New York Community Bancorp, Inc., Westbury, New York 

requests for relief from its commitment to cease or restructure 

certain subsidiaries made in connection with the acquisition of 

Haven Bancorp, Inc., Westbury, New York. 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, April 13, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, April 13, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

in May 1995. 

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

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

facilities. 

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

The federal bank regulators use the following four performance levels to rate an institution's performance under 

CRA: 

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, April 13, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satis factory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, April 13, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

CIC Broadstreet, Inc., Atlanta, Georgia (BHC), prior change in Fed Reg – 05/02/2002 

control notice by Robert C. Glustrom and Michael K. Sandberg 

to collectively acquire 100 percent of the outstanding shares of 

common stock of BHC, and Rick H. Singer to acquire 100 

percent of the Class A voting stock of BHC. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

COM PB Financial Services Corporation, Duluth, Georgia, 

commitment waiver request. 
Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

3(a)(1) People’s Community Bancshares, Inc., Sarasota, Florida, notice 

to become a bank holding company by acquiring People’s 

Community Bank of the West Coast, Sarasota, Florida. 

FBSEA Bancolombia S.A., Medellin, Colombia, to establish an 

international branch to be located in Miami, Florida. 

Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

community be evaluated periodically. That record is taken into account in considering an institution's 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 Institution Examination CRA CRA Exam type 

number Location date public date rating LrgBk SmBk 

237936 Peoples Bank & Trust Company 11/05/2001 04/09/2002 O X 

Post Office Box 799 

Selma, Alabama 36702 

(344) 875-1000 

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, April 13, 2002

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

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

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

organization).*

Fed Reg – 04/23/2002

Newspaper – 05/04/2002

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

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

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

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

Commercial Bank, Chicago, Illinois.*

Fed Reg – 04/23/2002

Newspaper – N/Avail

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

company by acquiring 100 percent of Peoples Bank, Rock 

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

Iowa and thereby engage in insurance activities.*

Fed Reg – 04/24/2002

Newspaper – 05/03/2002

3(a)(1) Schaumburg Bancshares, Inc., Hinsdale, Illinois, to become a 

bank holding company by acquiring 100 percent of First 

Schaumburg Bancorporation, Inc., Schaumburg, Illinois and 

thereby indirectly acquire Heritage Bank of Schaumburg, 

Schaumburg, Illinois.*

Fed Reg – 05/06/2002

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

4(c)(8) DMB Corporation, Inc., DeForest, Wisconsin, proposes to 

acquire 100 percent of DMB LANtech Services, LLC, DeForest, 

Wisconsin, and thereby to engage in data processing activities.

4(c)(8) First Midwest Financial, Inc., Storm Lake, Iowa, proposes to 

engage in trust company 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, inc luding 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

651541 Iowa State Bank & Trust

55 S. 4th Street

Fairfield, Iowa 52556

(641) 472-1329

11/27/2001 4/10/2002 S X

574949 Farmers & Merchants Bank

123 W. Huron Street

Berlin, Wisconsin 54923

(920) 361-1454

11/27/2001 4/12/2002 S X

612346 Bank Iowa

1805 N. Broadway Street

Red Oak, Iowa 51566

(712) 623-6960

12/10/2001 4/12/2002 S X
Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, April 13, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

CIC SVB&T Corporation, French Lick, Indiana, by Douglas A. Newspaper – N/Avail 

Habig to retain 16.65 percent. Fed Reg – N/Avail 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4(c)(8) Allegiant Bancorp, Inc., St. Louis, Missouri, to establish Fed Reg – 04/30/2002 

Allegiant Capital Corporation, St. Louis, Missouri, and thereby 

engage indirectly in real estate and personal property appraising, 

financial and investment advisory activities, and privateplacement of securities services, as agent. 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, April 13, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

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

bank holding company by acquiring 100 percent of Peoples 

State Bank of Munising, Munising, Michigan.* 

3A1 4C8 Empire Federal Bancorp., Inc., Livingston, Montana, to become 

a bank holding company by acquiring 100 percent of Montana 

First National Bancorporation, Kalispell, and thereby indirectly 

acquiring Montana First National Bank, Kalispell, Montana. 

Empire Federal Bancorp, Inc., to retain ownership of Empire 

Bank, Livingston, Montana, a federal savings bank, as a nonbank activity.* 

Ending date of 

comment period 

Newspaper – 04/30/2002 

Fed Reg – 04/26/2002 

Newspaper- 05/13/2002 

Fed Reg- 05/10/2002 

*Subject to the provisions of the Community Reinvestment Act. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

application for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, April 13, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

3a3 Lauritzen Corporation, Omaha, Nebraska, to acquire an 

additional .9 percent, for a total of 24 percent, of the voting 

shares of First National of Nebraska, Inc., Omaha, Nebraska. 

3a3 First York Ban Corp., York, Nebraska, to increase its ownership, 

from 20.13 percent to 21.88 percent, of the voting shares of 

NebraskaLand Financial Services, Inc., parent of NebraskaLand 

National Bank, both of North Platte, Nebraska. 

3a1 First Capital Investments LLC, Lee’s Summit, Missouri, to 

acquire up to 24.95 percent of the voting shares of 1st Financial 

Bancshares, Inc., Shawnee Mission, Kansas, parent of 1st 

Financial Bank, Overland Park, Kansas; Centerville State Bank, 

Centerville, Kansas; and Sylvan Agency, Inc., Sylvan Grove, 

Kansas, an insurance agency. 

4c8 First Capital Investments LLC, Lee’s Summit, Missouri, to 

acquire up to 24.95 percent of the voting shares of 1st Financial 

Bancshares, Inc., Shawnee Mission, Kansas, parent of Sylvan 

Agency, Inc., Sylvan Grove, Kansas and thereby indirectly 

engage in insurance activities. 

Ending date of 

comment period 

Newspaper – 05/04/2002 

Fed Reg – 04/26/2002 

Newspaper – 05/04/2002 

Fed Reg – 05/03/2002 

Newspaper – 05/24/2002 

Fed Reg – 05/10/2002 

Newspaper – 05/24/2002 

Fed Reg – 05/10/2002 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

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

Type Application 

Member Community Banks of the Rockies, N.A., La Jara, Colorado, for 

prior approval to become a member of the Federal Reserve 

System. 

Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, April 13, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

CIC Gilbert Garza, San Benito, TX, only notificant, to acquire an Fed Reg – 04/30/2002 

interest in First San Benito Bancshares Corp, San Benito, TX Newspaper – 04/28/2002 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

Member Community Bank, Katy, TX, request to voluntarily withdraw 

Withdrawal from membership in the Federal Reserve System 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, April 13, 2002

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Barnes Banking Company, Kaysville, Utah, to establish a branch 

facility to be located at 780 East Fort Union Boulevard, Midvale, 

Utah.*

Newspaper – 04/16/2002

Branch Community Bank of Nevada, Las Vegas, Nevada, to establish a 

branch facility to be located at 400 S. Fourth Street, Las Vegas, 

Nevada.*

Newspaper – 04/18/2002

18C Westamerica Bank, San Rafael, California, to merge with Kerman 

State Bank, Kerman, California.*

Newspaper – 05/01/2002

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

CIC Notice by David F. Moorhouse, Friday Harbor, Washington, to 

increase his shares in San Juan Bank Holding Company, Friday 

Harbor, Washington.*

Newspaper – N/Avail Fed 

Reg – 04/16/2002

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

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