H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 26 

Week Ending June 25, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions June 19, 2005 to June 25, 2005 

Testimony And Statements 

China, Trade, and Exchange Rates -- statement by Chairman Greenspan before the 

Senate Committee on Finance. 

- Published, June 23, 2005 

Regulatory Relief -- statement by Governor Olson before the Senate Committee on 

Banking, Housing, and Urban Affairs. 

- Published, June 21, 2005 

Bank Holding Companies 

Wells Fargo & Company, San Francisco, California -- to acquire First Community 

Capital Corporation, Houston, Texas, and its subsidiaries, First Community Bank, 

National Association, and First Community Bank San Antonio, National 

Association, San Antonio. 

- Approved, June 22, 2005 

Regulations And Policies 

Credit Card Plans -- annual report to the Congress on the profitability of credit card 

operations of depository institutions. 

- Approved, June 20, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority June 19, 2005 to June 25, 2005 

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

C&CA Consumer and Community Affairs IF International Finance 

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

Bank Branches, Domestic 

Atlanta 

The Bank of Forest, Forest, Mississippi -- to establish a branch at 1080 River Oaks 

Drive, River Oaks Place, Suite A202, Flowood. 

- Approved, June 23, 2005 

Richmond 

First Capital Bank, Glen Allen, Virginia -- to establish a branch at 801 South 

Adams Street, Petersburg. 

- Approved, June 23, 2005 

Kansas City 

Gold Bank, Leawood, Kansas -- to establish a branch on the east side of Highway 

41, Apollo Beach, Florida. 

- Approved, June 20, 2005 

Richmond 

Highlands Union Bank, Abingdon, Virginia -- to establish a branch at 739 Dolly 

Parton Parkway, Suite C, Sevierville, Tennessee. 

- Approved, June 23, 2005 

New York 

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 1435 Upper Front Street, Chenango. 

- Approved, June 24, 2005 

Secretary 

Orrstown Bank, Shippensburg, Pennsylvania -- to establish a branch at 3045 Market 

Street, Camp Hill Borough. 

- Approved, June 24, 2005 

Cleveland 

Sky Bank, Salineville, Ohio -- to establish a branch at Bexley Financial Center, 

2631 East Main Street, Bexley. 

- Approved, June 22, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 6 
H.2 Actions under delegated authority June 19, 2005 to June 25, 2005 

Bank Branches, Domestic 

Cleveland 

Sky Bank, Salineville, Ohio -- to establish a branch at Hilliard Financial Center, 

2164 Hilliard Rome Road, Columbus. 

- Approved, June 22, 2005 

Cleveland 

Sky Bank, Salineville, Ohio -- to establish a branch at Lewis Center Financial 

Center, 8509 Owenfield Drive, Powell. 

- Approved, June 22, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 9951 Okeechobee 

Boulevard, West Palm Beach, Florida. 

- Approved, June 23, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 413 Elden Street, 

Herndon, Virginia. 

- Approved, June 23, 2005 

Kansas City 

WestStar Bank, Vail, Colorado -- to establish a branch at 455 Kokopelli Boulevard, 

Fruita. 

- Approved, June 24, 2005 

Bank Holding Companies 

St. Louis 

Bearden Bancshares, Inc., Bearden, Arkansas -- to engage in general insurance 

agency activities in a town of less than 5,000 through the acquisition of BBI 

Insurance Agency, Inc. 

- Approved, June 23, 2005 

Secretary 

Capital One Financial Corporation, McLean, Virginia -- commenter's request to 

extend the comment period on the application to acquire Hibernia Corporation, New 

Orleans, Louisiana. 

- Denied, June 20, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 6 
H.2 Actions under delegated authority June 19, 2005 to June 25, 2005 

Bank Holding Companies 

Chicago 

First Busey Corporation, Urbana, Illinois -- to acquire Tarpon Coast Bancorp, Inc., 

Port Charlotte, Florida, and thereby acquire Tarpon Coast National Bank. 

- Approved, June 20, 2005 

St. Louis 

First Horizon National Corporation, Memphis, Tennessee -- to merge with West 

Metro Financial Services, Inc., Dallas, Georgia, and thereby acquire First National 

Bank West Metro. 

- Approved, June 23, 2005 

St. Louis 

First Horizon National Corporation, Memphis, Tennessee -- to acquire United Bank 

and Trust Company, St. Petersburg, Florida. 

- Approved, June 23, 2005 

Secretary 

Hudson Valley Holding Corp., Yonkers, New York -- commenter's request to 

extend the comment period on the application to acquire New York National Bank, 

Bronx. 

- Denied, June 20, 2005 

Chicago 

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to acquire Med-i-Bank, 

Inc., Waltham, Massachusetts, through a newly formed acquisition subsidiary, LAH 

Merger Corp., and thereby engage in data processing activities. 

- Approved, June 23, 2005 

Atlanta 

Omni Financial Services, Inc., Atlanta, Georgia -- to acquire Georgia Community 

Bank, Dalton, and thereby engage in operating a savings association. 

- Approved, June 20, 2005 

Atlanta 

Omni Financial Services, Inc., Atlanta, Georgia -- to acquire Omni Interim, N.A., 

Dalton. 

- Approved, June 20, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 6 
H.2 Actions under delegated authority June 19, 2005 to June 25, 2005 

Bank Holding Companies 

Richmond 

SCCB Financial Corp., Columbia, South Carolina -- to become a bank holding 

company and to acquire South Carolina Community Bank. 

- Approved, June 24, 2005 

Dallas 

TCB Holding Company, The Woodlands, Texas -- to become a bank holding 

company and to acquire Texas Community Bank, National Association. 

- Approved, June 23, 2005 

Secretary 

Tombigbee Bancshares, Inc., Sweet Water, Alabama -- to become a bank holding 

company and to acquire Sweet Water State Bank. 

- Approved, June 20, 2005 

Bank Mergers 

Kansas City 

Centennial Bank Holdings, Inc., Denver, Colorado -- to acquire First MainStreet 

Financial, Ltd., Longmont, parent of First MainStreet Bank, N.A., and for 

Centennial Bank Holdings' subsidiary, Centennial Bank of the West, Fort Collins, 

to merge with First MainStreet Bank, N.A. and establish five branches at existing 

locations. 

- Approved, June 23, 2005 

Banks, Foreign 

Director, BS&R 

Banco del Estado de Chile, Santiago, Chile -- to establish a branch in New York, 

New York. 

- Approved, June 20, 2005 

Change In Bank Control 

Boston 

Central Bancorp, Inc., Somerville, Massachusetts -- change in bank control. 

- Permitted, June 23, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 6 
H.2 Actions under delegated authority June 19, 2005 to June 25, 2005 

Change In Bank Control 

Kansas City 

First Missouri Bancshares, Inc., Brookfield, Missouri -- change in bank control. 

- Permitted, June 20, 2005 

Chicago 

Fountain View Bancorp., Inc., Sigourney, Iowa -- change in bank control. 

- Permitted, June 24, 2005 

Chicago 

Morning Sun Bank Corp., Morning Sun, Iowa -- to increase ownership in Morning 

Sun Bank Corp. and Iowa State Bank, Wapelo. 

- Permitted, June 23, 2005 

Minneapolis 

Rice Lake Bancorp., Inc., Rice Lake, Wisconsin -- change in bank control. 

- Permitted, June 23, 2005 

Competitive Factors Reports 

Dallas 

The Bank of Vernon, Vernon, Texas -- report on competitive factors of the 

proposed interim merger with New Vernon, Inc., Irving. 

- Submitted, June 24, 2005 

Dallas 

Broadway National Bank, San Antonio, Texas -- report on competitive factors of 

the proposed merger with Balcones Bank, State Savings Bank, San Marcos. 

- Submitted, June 24, 2005 

St. Louis 

Liberty Bank of Arkansas, Jonesboro, Arkansas -- report on competitive factors of 

the proposed merger with Liberty Bank of Arkansas, Siloam Springs. 

- Submitted, June 22, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 6 
H.2 Actions under delegated authority June 19, 2005 to June 25, 2005 

Extensions Of Time 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- extension to July 14, 2005, to 

establish a branch at Dixie Highway south of Kendall Road, Louisville, Kentucky. 

- Granted, June 24, 2005 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- extension to July 14, 2005, to 

establish a branch at 6620 South Tamiami Trail, Sarasota, Florida. 

- Granted, June 24, 2005 

Atlanta 

Regions Bank, Birmingham, Alabama -- extension to July 22, 2006, to establish a 

branch at the northeast corner of Carroll Road and Highway 114, Southlake, Texas. 

- Granted, June 20, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- extension to August 30, 2006, to establish a 

branch at 624 H Street, N.W., Washington, D.C. 

- Granted, June 23, 2005 

Membership 

Philadelphia 

The First National Bank of Canton, Canton, Pennsylvania -- to retain membership 

in the Federal Reserve System on conversion to a state chartered bank to be known 

as Bank of Canton. 

- Approved, June 23, 2005 

San Francisco 

Temecula Valley Bank, National Association, Temecula, California -- to retain 

membership in the Federal Reserve System on conversion to a state chartered bank. 

- Approved, June 24, 2005 

(AC) = Addition or Correction Delegated - Page 6 of 6 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, June 25, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

4(c)(8) Boston Private Financial Holdings, Inc., Boston, Massachusetts -

to acquire Gibraltar Financial Corporation and its wholly-owned 

subsidiary, Gibraltar Bank, FSB, both of Coral Gables, Florida

Newspaper – 07/08/2005

Fed Reg – 07/11/2005

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, June 25, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Manufacturers and Traders Trust Company, Buffalo, NY to 

establish a branch office at 100 Homewood Way, Penn 

Township, York County, Pennsylvania. 

Newspaper – 07/01/2005

Branch Chemung Canal Trust Company, Elmira, New York to establish 

branch offices at 804 West Buffalo Street, Ithaca, New York and 

904 Hanshaw Road, Ithaca, New York

Newspaper – 07/07/2005

FBSEA Deutsche Genossenschafts-Hypothekenbank AG, Hamburg, 

Germany, requests prior approval to establish a NY Rep Office.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

* 3A3 Adirondack Trust Company Employee Stock Ownership 

Trust, Saratogo Springs, New York to acquire 50 

additional shares of 473 Broadway Holding Corporation 

and to acquire one thousand additional shares of The 

Adirondack Trust Company, Saratoga Springs, New York.

Newspaper – 07/10/2005

Fed Reg – 07/22/2005

* 3A3 New York Community Bancorp, Inc., Westbury, New 

York, request approval for the acquisition through its 

wholly owned subsidiary, New York Community Bank, 

Flushing, New York of 100% of the voting shares of New 

York Commercial Bank, Flushing, New York.

Newspaper – 06/27/2005

Fed Reg – 07/05/2005

* 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

4c8 Banco Do Brasil S.A. Brazil, requests prior approval for its 

recently formed, wholly-owned subsidiary, Banco do Brasil 

Secuirities LLC, a registered broker-dealer in New York, to 

commence engaging in securities brokerage and riskless 

principal services and acting as agent in the private placement 

of securities.

Fed Reg – 07/01/2005

4c8 Fubon Financial Holding Company, Taipei, Taiwan, to engage 

in certain limited securities activities through its indirect 

wholly-owned subsidiaries, Fubon Securities USA LLC and 

Fubon AssetManagement USA LLC, both from Pasadena, 

California.

Fed Reg – N/Avail

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None
Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, June 25, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, June 25, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, June 25, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, June 25, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Pleasants County Bank, St. Mary’s, West Virginia, to establish a 

branch at 519 Riverview Drive, Belmont, West Virginia.*

Newspaper – 07/01/2005

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) Bank of Wilmington Corporation, Wilmington, North Carolina, 

to become a bank holding company through the acquisition of 

100% of the voting shares of Bank of Wilmington, Wilmington, 

North Carolina.
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, June 25, 2005

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 260 West Valley Avenue, Birmingham, Alabama.*

Newspaper – 07/09/2005

Branch Coconut Grove Bank, Miami, Florida, to establish a branch 

located at 20801 Biscayne Boulevard, Aventura, Florida, to be 

known as the Aventura Office.*

Newspaper – 07/01/2005

Branch First Florida, Bank, Naples, Florida, to establish a branch 

located at 9200 Cockleshell Court, Bonita Springs, Florida, to be 

known as the First Florida Bank Bonita Springs Office.*

Newspaper – 06/30/2005

Branch First Florida Bank, Naples, Florida, to establish a branch located 

at 8931 Conference Drive, Suite 2, Fort Myers, Florida, to be 

known as the First Florida Bank College Office.*

Newspaper – 06/30/2005

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

located at the northeast corner of Beltway 8 and Vista Road, 

Pasadena, Texas.*

Newspaper – 06/28/2005

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

13927 St. Augustine Road, Jacksonville, Florida, to be known as 

the Bartram Park Office.*

Newspaper – 06/26/2005

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

8701 U.S. Highway 19, Port Richey, Florida, to be known as the 

Port Richey Wal-Mart Office.*

Newspaper – 07/02/2005

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

6192 Gunn Highway, Tampa, Florida, to be known as the Citrus 

Wal-Mart Office.*

Newspaper – 07/02/2005

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

1208 E. Brandon Boulevard, Brandon, Florida, to be known as 

the East Brandon Wal-Mart Office.*

Newspaper – 07/02/2005

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

3236 Barclay Avenue, Brooksville, Florida, to be known as the 

Barclay Office.*

Newspaper – 07/02/2005

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

2602 Jim L. Redman Parkway, Plant City, Florida, to be known 

as the Redman Parkway Wal-Mart Office.*

Newspaper – 07/02/2005

*Subject to provisions of the Community Reinvestment Act
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) CNLBancshares, Inc., Orlando, Florida, to acquire 100 percent 

of the outstanding shares of CNLBank, First Coast, Jacksonville, 

Florida (in organization).*

Newspaper – 07/18/2005

Fed Reg – N/Avail

3(a)(3) First Security Group, Inc., Chattanooga, Tennessee, to acquire 

100 percent Jackson Bank & Trust, Gainesboro, Tennessee.*

Newspaper – 07/17/2005

Fed Reg – 07/18/2005

3(a)(1) Mountain Valley Bancshares, Inc., Cleveland, Georgia, to 

become a bank holding company by acquiring 100 percent of the 

outstanding shares of Mountain Valley Community Bank, 

Cleveland, Georgia.*

Newspaper – 06/18/2005

Fed Reg – 06/30/2005

3(a)(1) Sapelo Bancshares, Inc., to acquire 100 percent of the 

outstanding shares of Sapelo National Bank, both of Darien, 

Georgia.*

Newspaper – 07/07/2005

Fed Reg – 07/08/2005

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

Federal bank regula tors 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

104038 The Park Avenue Bank

3102 N. Oak Street Extension

Valdosta, Georgia 31602

(229) 247-3381

02/28/2005 06/20/2005 S X

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, June 25, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Comerica Bank, Detroit, Michigan, to establish two branch 

facilities at the following locations: 680 Newport Center Drive, 

Suite 290, Newport Beach, California; and 12001 W. San 

Vicente Blvd., Suite 100, Los Angeles, California.*

Newspaper – 06/18/2005

Branch Port Byron State Bank, Port Byron, Illinois, to establish a branch 

facility to be located at 104 West Third Street, Coal Valley, 

Illinois.*

Newspaper – 06/24/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Albany Bancshares, Inc., Albany, Illinois, to acquire 100 percent 

of the voting shares of Hillsdale Development Corporation, 

Hillsdale, Illinois, and thereby indirectly acquire Old Farmers & 

Merchants State Bank, Hillsdale, Illinois.*

Fed Reg – 06/30/2005

Newspaper – 06/25/2005

3(a)(1) AztecAmerica Financial Group, Inc., Berwyn, Illinois, to 

become a bank holding company by acquiring 100 percent of the 

voting shares of AztecAmerica Bank (in organization), Berwyn, 

Illinois.*

Fed Reg – 07/21/2005

Newspaper – 07/11/2005

CIC Notice by Marjorie E. Binder, Chicago, Illinois, to acquire 

control of 97.31 percent of the outstanding common stock and 

97.95 percent of the outstanding B common stock of Bellwood 

Bancorporation, Inc., Bellwood, Illinois, and thereby indirectly 

acquire Greater Chicago Bank, Bellwood, Illinois.

Fed Reg – 06/24/2005

Newspaper – 06/30/2005

3(a)(3) Capitol Bancorp, Ltd., Lansing, Michigan, and Capitol 

Development Bancorp Limited I, Lansing, Michigan, to acquire 

51 percent of the voting shares of Bank of San Francisco (in 

organization), San Francisco, California.*

Fed Reg – 07/11/2005

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

Type Application

Ending date of

comment period

3(a)(3) Clarkston Financial Corporation, Clarkston, Michigan, to 

acquire not less than 51 percent of the voting shares of Huron 

Valley State Bank (in organization), Milford, Michigan.*

Fed Reg – 07/18/2005

Newspaper – N/Avail

CIC Notice by Ralph Mason, Bourbon, Indiana and Brad Mason, 

Bourbon, Indiana, to acquire control of The First State Bank of 

Bourbon, Bourbon, Indiana.

Fed Reg – 06/29/2005

Newspaper – 06/16/2005

3(a)(1) Generations Bancorp, Inc., Waukesha, Wisconsin, to become a 

bank holding company by acquiring 100 percent of the voting 

shares of Foundations Bank (in organization), Waukesha, 

Wisconsin.*

Fed Reg – 07/22/2005

Newspaper – N/Avail

3(a)(1) Lamplighter Financial, MHC, Wauwatosa, Wisconsin and 

Wauwatosa Holdings, Inc., Wauwatosa, Wisconsin, to become a 

bank holding company by acquiring 100 percent of the voting 

shares of Wauwatosa Savings Bank, Wauwatosa, Wisconsin.*

Fed Reg – 07/15/2005

Newspaper – N/Avail

3(a)(1) Western Illinois Bancshares, Inc., Monmouth, Illinois. to 

become a bank holding company by acquiring 100 percent of the 

voting shares of Midwest Bank of Western Illinois, Monmouth, 

Illinois.*

Fed Reg – 07/08/2005

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 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, June 25, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3A5 & 4C8 First Arkansas BancShares, Inc., Jacksonville, Arkansas, to 

merge with Lake Hamilton Enterprises, Inc., Little Rock, 

Arkansas, and thereby indirectly acquire First Team Bank, 

Heber Springs, Arkansas. Also, First Arkansas BancShares, Inc., 

to engage in data processing activities.*

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

894151 Mid America Bank & Trust Company

Dixon, Missouri 03/07/2005 06/17/2005 S X

361279 Community Bank

Lexington, Tennessee

03/14/2005 06/24/2005 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, June 25, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First PREMIER Bank, Sioux Falls, South Dakota request for 

approval to establish a new branch location at 536 N. Sycamore 

Avenue, Suite A, Sioux Falls, South Dakota.*

Newspaper – 07/07/2005

* 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

CIC Notice by John M. Morrison Florida Intangible Trust #6, dated 

March 3, 2005, Julie Morrison Arne, trustee to gain control of 

Central Bancshares, Inc., Golden Valley, Minnesota and 

indirectly gain control of Central Bank, Stillwater, Minnesota.

Fed Reg – N/Avail

Newspaper – N/Avail

CIC Notice by Nancy A. Malitz, Detroit Michigan and Barbara G. 

Lee, Kalispell, Montana to gain control of Ravalli County 

Bankshares, Inc., Hamilton, Montana and thereby indirectly gain 

control of Ravalli County Bank, Hamilton, Montana and West 

One Bank, Kalispell, Montana

Fed Reg – 07/01/2005

Newspaper – 06/17/2005

3(a)(1) Vision Bancshares, Inc., St. Louis Park, Minnesota to become a 

bank holding company by acquiring 100 percent of Vision Bank, 

St. Louis Park, Minnesota, a bank in organization.*

Fed Reg – 07/13/2005

Newspaper – 07/14/2005

CIC Notice by the John C. Elsenpeter 2004 Term Trust and Vicki J. 

Elsenpeter 2004 Term Trust, both of Walker, Minnesota, to 

retain control of Walker Ban Co., Walker, Minnesota and 

thereby indirectly retain control of First National Bank of 

Walker, Walker, Minnesota and Lakes State Bank, Pequot 

Lakes, Minnesota. 

Fed Reg – 06/22/2005

Newspaper – 06/22/2005

* 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

Investment U. S. Bank, N.A., Cincinnati, Ohio through NOVA Canadian 

Holdings Company, Minneapolis, Minnesota, an agreement 

corporation, to invest in a foreign organization.

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, June 25, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

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

acquire up to 14.33 percent of the voting shares of Century 

Capital Financial, Inc., Kilgore, Texas, parent of Century Capital 

Financial-Delaware, Inc., Wilmington, Delaware, parent of City 

National Bank, Kilgore, Texas.

Newspaper – N/Avail

Fed Reg – N/Avail

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

acquire up to 35.80 percent of the voting shares of Century 

Capital Financial, Inc., Kilgore, Texas, held through Morrill 

Bancshares, Inc., Merriam, Kansas.

Newspaper – N/Avail

Fed Reg – N/Avail

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

acquire up to 14.33 percent of the voting shares of Century 

Capital Financial, Inc., Kilgore, Texas, held through the 80.34 

percent ownership of FBC Financial Inc., Kilgore, Texas, by 

Morrill Bancshares, Inc., Merriam, Kansas.

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(3) Morrill Bancshares, Inc., Merriam, Kansas, to directly acquire 

up to 35.80 percent of the voting shares of Century Capital 

Financial, Inc., Kilgore, Texas, parent of Century Capital 

Financial-Delaware, Inc., Wilmington, Delaware, parent of City 

National Bank, Kilgore, Texas.

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(3) Morrill Bancshares, Inc., Merriam, Kansas, to indirectly acquire 

up to 14.33 percent of the voting shares of Century Capital 

Financial, Inc., Kilgore, Texas, held through FBC Financial 

Corporation, Claremore, Oklahoma.

Newspaper – N/Avail

Fed Reg – N/Avail

3(a)(3) Davis Bancorporation, Inc., Davis, Oklahoma, to directly 

acquire up to 17.90 percent of the voting shares of Century

Capital Financial, Inc., Kilgore, Texas, parent of Century Capital 

Financial-Delaware, Inc., Wilmington, Delaware, parent of City 

National Bank, Kilgore, Texas.

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

CIC Notice by Gregory L. Massey, Durant, Oklahoma, to retain 

control of Durant Bancorp, Inc., parent of First United Bank & 

Trust Company, both in Durant, Oklahoma.

Newspaper – 06/29/2005

Fed Reg – 07/05/2005

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, June 25, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch PointBank, Pilot Point, TX, to establish a branch at 101 Avenue 

A, Denton, TX 76201*

Newspaper – 07/08/2005

*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

CIC Mr. Richard L. Kinsel, Jr., and Ms. Janice L. Kinsel, 

Friendswood, TX, acting in concert, to acquire an interest in 1st

Choice Bancorp, Inc., Houston, TX

Fed Reg – N/Avail

Newspaper – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, June 25, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) & 4(c)(8) Beverly Hills Bancorp, Inc., WFC Inc., and Wilshire 

Acquisitions Corporation, all of Calabasas, California, to 

become bank holding companies by acquiring 100 percent of 

First Bank of Beverly Hills, Calabasas, California; and Beverly 

Hills Bancorp, Inc., and WFC, Inc., both of Calabasas, 

California, to engage in nonbanking activities through the 

acquisition of 100 percent of WCICC, Inc., WFICC, Inc., 

Wilshire Acquisitions Trust 1, Wilshire Mortgage Funding IV, 

Wilshire Mortgage Funding V, and Wilshire Mortgage Funding 

VI, all of Calabasas, California.*

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

3(a)(5)(C) ICB Financial, Ontario, California, to become a bank holding 

company by acquiring 100 percent of Inland Community Bank, 

N.A., Rialto, California.
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

191663 County Bank

550 North Main Street

Merced, California 95340

02/07/2005 06/22/2005 O X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None