Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 51

Week Ending December 18, 2004

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 12, 2004 to December 18, 2004

Bank Holding Companies

Fifth Third Bancorp, Cincinnati, Ohio, and Fifth Third Financial Corporation -- to acquire 

First National Bankshares of Florida, Inc., Naples, Florida, and its subsidiary, First 

National Bank of Florida; and for Fifth Third's subsidiary, Fifth Third Bank, Grand 

Rapids, Michigan, to merge with First National Bank of Florida.

- Approved, December 13, 2004 

Discount Rates

Discount and Advance Rates -- increase in the primary credit rate from 3 percent to 3-

1/4 percent by twelve Federal Reserve Banks.

- Approved, December 14, 2004 

Regulations And Policies

Disposal of Consumer Information -- final interagency rule to require financial institutions 

to dispose properly of consumer information from consumer reports under the Fair and 

Accurate Credit Transactions Act (Docket No. R-1199).

- Approved, December 15, 2004 

Reserve Bank Operations

Federal Reserve Bank Budgets -- operating and capital budgets for the Reserve Banks 

and Federal Reserve Information Technology, and operating budget for the Office of 

Employee Benefits for 2005.

- Approved, December 16, 2004 

(AC) = Addition or Correction Board - Page 1 of 1
December 12, 2004 to December 18, 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

1st Pacific Bank of California, San Diego, California -- to establish a branch at 13500 

Evening Creek Drive North.

- Approved, December 15, 2004 

San Francisco

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 850 Thomas Moore 

Parkway, Edgewood, Kentucky.

- Approved, December 15, 2004 

Cleveland

Heartland Bank, Gahanna, Ohio -- to establish a branch at 67 Stygler Road.

- Approved, December 13, 2004 

Cleveland

Independent Bank of Texas, Irving, Texas -- to establish a courier service branch serving 

Dallas and Tarrant Counties.

- Approved, December 17, 2004 

Dallas

The Peoples Bank and Trust Company, Selma, Alabama -- to establish a branch at 31 

Morrow Commercial Park, Northport.

- Approved, December 15, 2004 

Atlanta

PlainsCapital Bank, Lubbock, Texas -- to establish courier service branches at 1629 

West Hebron Parkway, Carrollton; 18111 Preston Road, Dallas; and 5010 University 

Avenue, Lubbock; and branches at 777 Taylor Street, Fort Worth; and 6001 Sherry 

Lane, Dallas.

- Approved, December 13, 2004 

Dallas

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority December 12, 2004 to December 18, 2004

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish a branch at Atlantic Boulevard and Girvin 

Road, Jacksonville, Florida.

- Approved, December 15, 2004 

Atlanta

Tioga State Bank, Spencer, New York -- to establish a branch at 185 Conklin Avenue, 

Binghamton.

- Approved, December 17, 2004 

New York

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at 10830 Balls Ford 

Road, Manassas.

- Approved, December 16, 2004 

Richmond

Bank Holding Companies

America West Bank Members, LC, Layton, Utah -- temporary relief from a commitment.

- Granted, December 13, 2004 

San Francisco

Bank 1st Financial Corporation, Albuquerque, New Mexico -- to become a bank holding 

company and to acquire Bank 1st.

- Approved, December 17, 2004 

Kansas City

Capital One Financial Corporation, McLean, Virginia -- relief from a commitment.

- Withdrawn, December 17, 2004 

Richmond

Centennial Bancshares, Inc., Little Rock, Arkansas -- to become a bank holding 

company and to acquire Pine State Bancshares, Inc., Kingsland, and Pine State Bank.

- Approved, December 15, 2004 

St. Louis

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority December 12, 2004 to December 18, 2004

Bank Holding Companies

CenterBank, Inc., Jacksonville, Florida -- relief from a commitment.

- Withdrawn, December 15, 2004 

Atlanta

Community First Bancshares, Inc., Harrison, Arkansas -- to acquire 20 percent of White 

River Bancshares Company, Fayetteville, a de novo company, and thereby acquire 

Signature Bank of Arkansas.

- Withdrawn, December 15, 2004 

St. Louis

Dolphin Family Limited Partnership, Blaine, Minnesota, and Dolphin Family Management 

Co. -- to become bank holding companies and to acquire, directly and indirectly, 13.55 

percent of Crosstown Holding Company.

- Approved, December 16, 2004 

Minneapolis

FC Holdings, Inc., Houston, Texas, and First Community Holdings of Delaware, Inc., 

Wilmington, Delaware -- to become bank holding companies and to acquire First 

Community Bank San Antonio, National Association, San Antonio, Texas.

- Returned, December 15, 2004 

Dallas

Firstrust Corporation, New Orleans, Louisiana -- to acquire Central Bank for Savings, 

Winona, Mississippi.

- Withdrawn, December 14, 2004 

Atlanta

Great Financial Corporation, Miami Lakes, Florida -- to become a bank holding 

company and to acquire Great Florida Bank, Miami.

- Approved, December 16, 2004 

Atlanta

Home Bancshares, Inc., Conway, Arkansas -- to acquire 20 percent of White River 

Bancshares Company, Fayetteville, a de novo company, and thereby acquire Signature 

Bank of Arkansas.

- Withdrawn, December 13, 2004 

St. Louis

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority December 12, 2004 to December 18, 2004

Bank Holding Companies

Horizon Bancorp, Lake Havasu City, Arizona -- to become a bank holding company and 

to acquire Horizon Community Bank.

- Approved, December 15, 2004 

San Francisco

Lake Commercial Corporation, Hammond, Indiana; Bank of Montreal, Montreal, 

Canada; Harris Financial Corp., Chicago, Illinois; and Harris Bankcorp, Inc. -- for Lake 

Commercial Corporation to become a bank holding company and to acquire Mercantile 

Bancorp, Inc., Hammond, Indiana, Mercantile National Bank of Indiana, and shares of 

First State Bank of Porter, Porter; and for Bank of Montreal, Harris Financial Corp., and 

Harris Bankcorp, Inc. to acquire Lake Commercial Corporation and thereby indirectly 

acquire Mercantile Bancorp, Mercantile National Bank of Indiana, and shares of First 

State Bank of Porter.

- Approved, December 14, 2004 

Chicago

Legacy Integrity Group, Inc., Scottsdale, Arizona, and Peotone Bancorp, Inc., Peotone, 

Illinois -- for Legacy Integrity Group, Inc. to become a bank holding company and to 

acquire Legacy Bank, Scottsdale, Arizona, a de novo bank; for Peotone Bancorp, Inc. to 

acquire shares of Legacy Integrity Group, Inc. directly and indirectly through its 

subsidiaries, Founders Group, Inc., Worth, Illinois, and Rock River Bancorporation, Inc., 

Oregon, Illinois; and for Terrapin Bancorp, Inc., Elizabeth, to acquire shares of Legacy 

Integrity Group, Inc.

- Approved, December 16, 2004 

Chicago

Marshall Bancorp, Inc., Minneapolis, Minnesota -- to acquire BANKFIRST 

Corporation, Sioux Falls, South Dakota, and BANKFIRST.

- Approved, December 15, 2004 

Minneapolis

Peoples Community Bancorp, Inc., West Chester, Ohio -- to acquire 38 percent of 

Columbia Bancorp, Inc., Cincinnati, and to retain Peoples Community Bank, West 

Chester.

- Approved, December 16, 2004 

Cleveland

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority December 12, 2004 to December 18, 2004

Bank Holding Companies

Piedmont Bancshares, Inc., Atlanta, Georgia -- relief from a commitment.

- Granted, December 16, 2004 

Atlanta

PSB BancGroup, Inc., Lake City, Florida -- relief from a commitment.

- Granted, December 17, 2004 

Atlanta

QCR Holdings, Inc., Moline, Illinois -- to acquire Rockford Bank and Trust Company, 

Rockford, a de novo bank; for Rockford Bank and Trust Company to become a member 

of the Federal Reserve System; and for the bank to purchase the assets and assume the 

liabilities of the Rockford branch of Quad City Bank and Trust Company, Bettendorf, 

Iowa.

- Approved, December 17, 2004 

Chicago

Tri-State 1st Banc, Inc., East Liverpool, Ohio -- to acquire MDH Investment 

Management, Inc. and thereby engage in investment advisory activities.

- Approved, December 16, 2004 

Cleveland

Western Transaction Corporation, Duluth, Minnesota -- to become a bank holding 

company and to acquire Western National Bank, Cass Lake Company, and The First 

National Bank of Cass Lake, Cass Lake; to acquire Premier Credit Corporation, Duluth, 

and to engage through Cass Lake Company in insurance agency activities in a town with a 

population not exceeding 5,000.

- Approved, December 14, 2004 

Minneapolis

Bank Mergers

IBERIABANK, Lafayette, Louisiana -- to merge with American Horizons Bank, Monroe.

- Withdrawn, December 14, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority December 12, 2004 to December 18, 2004

Change In Bank Control

Peoples Independent Bancshares, Inc., Boaz, Alabama -- change in bank control notices.

- Permitted, December 16, 2004 

Atlanta

Competitive Factors Reports

BancorpSouth Bank, Tupelo, Mississippi -- report on competitive factors of the 

proposed merger with Premier Bank of Brentwood, Brentwood, Tennessee.

- Submitted, December 13, 2004 

St. Louis

BancorpSouth Bank, Tupelo, Mississippi -- report on competitive factors of the 

proposed merger with The Business Bank, Baton Rouge, Louisiana.

- Submitted, December 13, 2004 

St. Louis

Calhoun County Bank, Hampton, Arkansas -- report on competitive factors of the 

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

South Arkansas, Camden.

- Submitted, December 15, 2004 

St. Louis

Century National Bank, Zanesville, Ohio -- report on competitive factors of the proposed 

merger with First Federal Savings Bank of Eastern Ohio.

- Submitted, December 14, 2004 

Cleveland

Colonial Bank, National Association, Montgomery, Alabama -- report on competitive 

factors of the proposed merger with Union Bank of Florida, Lauderhill, Florida.

- Submitted, December 13, 2004 

Atlanta

Colonial Bank, National Association, Montgomery, Alabama -- report on competitive 

factors of the proposed purchase of the Lauderhill, Florida, branch of MidSouth Bank, 

N.A., Dothan, Alabama.

- Submitted, December 13, 2004 

Atlanta

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority December 12, 2004 to December 18, 2004

Competitive Factors Reports

Fifth Third Bank, Grand Rapids, Michigan -- report on competitive factors of the 

proposed merger with First National Wealth Management Company, Naples, Florida.

- Submitted, December 15, 2004 

Cleveland

First Federal Bank of the Midwest, Defiance, Ohio -- report on competitive factors of the 

proposed merger with The Genoa Savings and Loan Company, Genoa.

- Submitted, December 15, 2004 

Cleveland

First State Bank, Henderson, Tennessee -- report on competitive factors of the proposed 

merger with Friendship Bank, Friendship.

- Submitted, December 14, 2004 

St. Louis

The Marion Bank, Marion, Ohio -- report on competitive factors of the proposed 

acquisition of assets and deposits of the Green and Richwood branches of The Citizens 

Banking Company, Sandusky.

- Submitted, December 15, 2004 

Cleveland

MidSouth Bank, N.A., Dothan, Alabama -- report on competitive factors of the 

proposed merger with Union Bank of Florida, Lauderhill, Florida.

- Submitted, December 13, 2004 

Atlanta

The Park National Bank, Newark, Ohio -- report on competitive factors of the proposed 

merger with First Clermont Bank, Milford.

- Submitted, December 14, 2004 

Cleveland

The Peoples National Bank, New Lexington, Ohio -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Roseville branch of First 

Federal Savings Bank of Eastern Ohio, Zanesville.

- Submitted, December 15, 2004 

Cleveland

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority December 12, 2004 to December 18, 2004

Extensions Of Time

American Bank Incorporated, Allentown Pennsylvania -- extension to March 9, 2005, to 

acquire up to 9.99 percent of PSB Bancorp, Inc., Philadelphia.

- Granted, December 13, 2004 

Philadelphia

The First Trust and Savings Bank of Watseka, Watseka, Illinois -- extension to March 

21, 2005, to merge with First National Bank of Clifton, Clifton, and thereby establish a 

branch.

- Granted, December 16, 2004 

Chicago

Hopkins Financial Corporation, Mitchell, South Dakota -- extension to March 14, 2005, 

to engage de novo in lending activities.

- Granted, December 14, 2004 

Minneapolis

Financial Holding Companies

Dolphin Family Limited Partnership, Blaine, Minnesota, and Dolphin Family Management 

Co. -- election to become financial holding companies.

- Effective, December 16, 2004 

Minneapolis

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on November 10, 2004.

- Published, December 16, 2004 

FOMC

Short-term Interest Rates -- increase in the target for the federal funds rate from 2 percent 

to 2-1/4 percent.

- Approved, December 14, 2004 

FOMC

(AC) = Addition or Correction Delegated - Page 8 of 8
District 1 

Federal Reserve Bank of Boston 

Applications and notifications filed during the week ending Saturday, December 18, 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) GSB, MHC, Greenfield, Massachusetts - request for prior 

approval to become a bank holding company through the 

acquisition of 100% of the voting shares of Greenfield Savings 

Bank, Greenfield, Massachusetts 

Newspaper – N/Avail 

Fed Reg – N/Avail 

3(a)(3) The Royal Bank of Scotland Group plc, The Royal Bank of 

Scotland plc and RBSG International Holdings Ltd, all of 

Edinburgh, Scotland and Citizens Financial Group, Inc., 

Providence, Rhode Island - to acquire Citizens Bank, National 

Association, Albany, New York, a de novo bank 

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 2 

Federal Reserve Bank of New York 

Applications and notifications filed during the week ending Saturday, December 18, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch Adirondack Bank, Utica, New York, to open and occupy a 

branch office located at The University Building, 120 E. 

Washington Street, Syracuse, Onondaga, New York. 

Newspaper – 12/29/2004 

FBSEA Bank of Baroda, Mumbai, India, to establish a state-licensed 

branch in Houston, Texas. 

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

None 

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

Type Application

4C8 

Investment 

Evans Bancorp, Inc., Angola, New York, to acquire M&C 

Leasing, Co. Inc., West Seneca, New York, and thereby engage 

in leasing activities. 

JP Morgan Chase & Co., New York, New York proposes to 

make an investment in a special purpose entity through its 

indirect wholly owned subsidiary, JP Morgan International 

Finance Limited. 
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, December 18, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

Ending date of 

comment period

None 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

None 
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance 

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 4 

Federal Reserve Bank of Cleveland 

Applications and notifications filed during the week ending Saturday, December 18, 2004 

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 facility 

at 5834 Forbes Avenue, Pittsburgh, PA 

Newspaper – 12/23/2004 

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

at 101 River Road, Barboursville, WV 

Newspaper – 12/23/2004 

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

facility at 980 South Illinois Route 59, Bartlett, Illinois 

Newspaper – 12/25/2004 

*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

3(a)(1) Notification by Hometown Bancorp, Inc., Kent, OH to become a 

bank holding company by acquiring 100 percent of the voting 

shares of Home Savings Bank, Kent, OH, pursuant to Section 

3(a)(5)(c) of the Bank Holding Company 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 

509811 Community Trust Bank 

346 North Mayo Trail 

P. O. Box 2947 

Pikeville, Kentucky 

02/02/2004 11/17/2004 S X 

212522 Somerset Trust Company 

151 West Main Street 

Somerset, Pennsylvania 

07/12/2004 11/11/2004 S X 

820310 Community First Bank & Trust 

225 North Main Street 

Celina, Ohio 45822 

07/26/2004 11/02/2004 S X 

542528 The Citizens Banking Company 

100 East Water Street 

Sandusky, Ohio 44870 

08/23/2004 11/30/2004 O X 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 5 

Federal Reserve Bank of Richmond 

Applications and notifications filed during the week ending Saturday, December 18, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch Miners Exchange Bank, Coeburn, Virginia, to establish a 

branch on State Route 75, Bobby Hicks Highway, Johnson 

City, Tennessee.* 

Newspaper – 12/20/2004 

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

a branch at 6355 North Andrews Avenue, Ft. Lauderdale, 

Florida.* 

Newspaper – 12/26/2004 

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

a branch at 555 Main Street, Norfolk, Virginia.* 

Newspaper – 12/26/2004 

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

a branch at 15086 South Jog Road, Delray Beach West Florida.* 

Newspaper – 12/26/2004 

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

a branch at 13583 Hunters Oak Drive, Orlando, Florida.* 

Newspaper – 12/26/2004 

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

a branch at 100 North Federal Highway, Suite 104, Ft. 

Lauderdale, Florida.* 

Newspaper – 12/26/2004 

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

a branch at 11201 Park Boulevard, North, Seminole, Florida.* 

Newspaper – 12/27/2004 

18(c) Bank of Tazewell County, Tazewell, Virginia, to purchase 

certain assets and assume certain liabilities of the Tazewell, 

and Cedar Bluff, Virginia, branch offices of Planters Bank & 

Trust Company of Virginia, Staunton, Virginia.* 

Newspaper – 01/10/2005 

*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 

1494240 **RBC Centura Bank 

 1417 Centura Highway 

 Rocky Mount, North Carolina 

 27804 

03/29/2004 11/14/2004 S X 

679826 Middleburg Bank 

111 West Washington Street 

Middleburg, Virginia 20117 

09/27/2004 12/12/2004 S X 

**Inadvertently omitted from bulletin week ending October 20, 2004. 
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, December 18, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

18(c) IBERIABANK, Lafayette, Louisiana, to merge with American 

Horizons Bank, Monroe, Louisiana.* 

Newspaper – 12/27/2004 

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

located at 909 Poydras Street, 13th Floor, New Orleans, 

Louisiana.* 

Newspaper – 12/18/2004 

18(c) SunTrust Bank, Atlanta, Georgia, to merge with SunTrust 

BankCard, N. A., Orlando, Florida.* 

Newspaper – 01/13/2005 

18(c) SunTrust Bank, Atlanta, Georgia, to merge with National Bank 

of Commerce, Memphis, Tennessee.* 

Newspaper – 01/13/2005 

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

2601 Irongate Drive, Wilmington, North Carolina, to be known 

as the Wilmington Private Banking Office.* 

Newspaper – N/Avail 

*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

CIC LandMark Financial Holding Company, Sarasota, Florida, prior 

change in control notification filed by Gerald L. Pennington 

Trust, Gerald Lee Pennington as trustee, Margaret A. 

Pennington Trust, and Margaret Angela Pennington as trustee, 

all of Osprey, Florida, to collectively acquire .52 percent of the 

outstanding shares of LandMark Financial Holding Company, 

and its subsidiary, LandMark Bank of Florida, both of Sarasota, 

Florida. Total pro forma ownership interest will be 11.39 

percent. 

Newspaper – 12/23/2004

Fed Reg – 12/30/2004 
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

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, December 18, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

Ending date of 

comment period

3(a)(5) American Central Bancorporation, Inc., Springfield, Illinois, to 

acquire 100 percent of the voting shares of American Central 

Financial Group, Inc., Springfield, Illinois, and thereby 

indirectly acquire The Bank, Charleston, Illinois, and Farmers 

State Bank of Fulton County, Lewistown, Illinois.* 

Fed Reg – 01/10/2005 

Newspaper – N/Avail 

3(a)(1) Blue River Bancshares, Inc., Shelbyville, Indiana, to become a 

bank holding company by acquiring 100 percent of the voting 

shares of Heartland Community Bank, Franklin, Indiana.* 

Fed Reg – N/Avail 

Newspaper – N/Avail 

3(a)(3) Main Street Trust, Inc., Champaign, Illinois, to acquire 100 

percent of the voting stock of Citizens First Financial Corp., 

Bloomington, Illinois, and thereby indirectly acquire Citizens 

Savings Bank, Bloomington, Illinois.* 

Fed Reg – 01/03/2005 

Newspaper – N/Avail 

3(a)(5) Wintrust Financial Corporation, Lake Forest, Illinois, to acquire 

100 percent of the voting shares of First Northwest Bancorp, 

Inc., Arlington Heights, Illinois, and thereby indirectly acquire 

First Northwest Bank, Arlington Heights, Illinois.* 

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

4(c)(8) MidWestOne Financial Group ESOP and MidwestOne Financial 

Group, Inc., both of Oskaloosa, Iowa, to retain MidWestOne 

Investment Services, Inc., Oskaloosa, Iowa. 

Fed Reg – 01/03/2005 
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 

930442 Bank of Pontiac 

300 W. Washington 

Pontiac, Illinois 61764 

(815) 844-6155 

07/26/2004 12/10/2004 S X 

832470 HomeFederal Bank 

501 Washington Street 

Columbus, Indiana 47201 

(812) 522-1592 

06/21/2004 12/10/2004 S X 

689740 F&M Bank-Iowa 

11 N. 1st Avenue 

Marshalltown, Iowa 50158 

(641) 754-5500 

07/12/2004 12/10/2004 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, December 18, 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

3A1 & 3A3 Liberty Bancshares, Inc., Jonesboro, Arkansas, to acquire 100 

percent of TrustBanc Financial Group, Inc., Mountain Home, 

Arkansas, and thereby indirectly acquire TrustBanc, Mountain 

Home, Arkansas. Also, Arkansas Newco II, Inc., Jonesboro, 

Arkansas, a wholly owned subsidiary of Liberty Bancshares, 

Inc., to become a bank holding company by directly acquiring 

100 percent of TrustBanc Financial Group, Inc., Mountain 

Home, Arkansas, and thereby indirectly acquire TrustBanc, 

Mountain Home, Arkansas.* 

Newspaper – 01/20/2005

Fed Reg – 01/14/2005 

* 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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, December 18, 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) Maximum Holding International, Inc., Brooklyn Park,

Minnesota, to become a bank holding company by acquiring 100 

percent of First Security Bank - Sanborn, Sanborn, Minnesota.*

Fed Reg – 12/20/2004

Newspaper – 12/31/2004

CIC Notice by Joel D. Neisen, Burnsville, Minnesota, Jeffrey A. 

Neisen, Vadnais Heights, Minnesota, Timothy J. Neisen, 

Ormsby, Minnesota, Mary K. Laxen, Shakopee, Minnesota, and 

Brian J. Neisen, Sugar Land, Texas, to gain control of Ormsby 

Bancshares, Inc., Ormsby, Minnesota, and thereby indirectly 

acquire Ormsby State Bank, Ormsby, Minnesota.

Fed Reg – 01/04/2005

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

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, December 18, 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 11 

Federal Reserve Bank of Dallas 

Applications and notifications filed during the week ending Saturday, December 18, 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) One World Holdings, Inc., Dallas, TX, to acquire 

One World Bank, Dallas, TX (de novo)* 

Fed Reg – 01/18/2005 

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

Member One World Bank, Dallas, TX, to become a member of the 

Federal Reserve System 
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance 

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 12 

Federal Reserve Bank of San Francisco 

Applications and notifications filed during the week ending Saturday, December 18, 2004 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch Utah Independent Bank, Salina, Utah, to establish a branch 

facility to be located at 120 North Main Street, Monroe, Utah. * 

Newspaper – 12/23/2004 

Branch East-West Bank, San Marino, California, to establish a branch 

facility to be located at 23737 Hawthorne, Boulevard, Torrance, 

California. * 

Newspaper – 12/24/2004 

* 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

Membership Nara Bank, N.A., Los Angeles, 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 

657365 Hanmi Bank 

3660 Wilshire Boulevard 

Penthouse A 

Los Angeles, California 90010 

(213) 382-2200 

08/30/2004 12/17/2004 S X 

The above listing has been prepared as a courtesy by the Federal Reserve Bank of San Francisco, and is not 

intended to replace formal notices required by statute or regulation; the Reserve Bank assumes no responsibility 

for errors or omissions. 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None