Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 6

Week Ending February 9, 2002

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions February 3, 2002 to February 9, 2002 

Testimony And Statements 

Consumer Financial Literacy -- statement by Chairman Greenspan before the Senate 

Committee on Banking, Housing, and Urban Affairs. 

- Published, February 5, 2002 

Bank Holding Companies 

First National of Nebraska, Inc., Omaha, Nebraska, and First National of Illinois, 

Inc. -- commenter's request for review of the approval by the Federal Reserve Bank 

of Kansas City of the applications to acquire Castle BancGroup, Inc., DeKalb, 

Illinois, and Castle Bank, N.A. 

- Denied, February 4, 2002 

Financial Holding Companies 

Banco Itau S.A., Sao Paolo, Brazil, and Itausa-Investimentos Itau S.A. -- elections 

to become financial holding companies. 

- Effective, February 7, 2002 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority February 3, 2002 to February 9, 2002 

BS&R 

C&CA 

FOMC 

Banking Supervision and Regulation 

Consumer and Community Affairs 

Federal Open Market Committee 

RBOPS 

IF 

OSDM 

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

Bank Branches, Domestic 

Secretary 

AmSouth Bank, Birmingham, Alabama -- to establish branches at 415 Sam Ridley 

Parkway West, Smyrna, Tennessee; 233 Vedra Park Drive, Ponte Vedra, Florida; and 

12100 Lake Underhill Road, Orlando. 

- Approved, February 7, 2002 

Richmond 

Bank of the James, Lynchburg, Virginia -- to establish a branch at 4698 South Amherst 

Highway, Madison Heights. 

- Approved, February 7, 2002 

Chicago 

Farmers & Merchants Savings Bank, Manchester, Iowa -- to establish a branch at 200 

1st Street, S.W., Cedar Rapids. 

- Approved, February 7, 2002 

Chicago 

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish branches at 8900 

South Howell Avenue, Oak Creek, and 9055 76th Street, Pleasant Prairie. 

- Approved, February 8, 2002 

New York 

Peapack-Gladstone Bank, Gladstone, New Jersey -- to establish a branch at 58 

Mountain Boulevard, Warren. 

- Approved, February 8, 2002 

Atlanta 

Regions Bank, Birmingham, Alabama -- to establish a branch at 6753 Conroy Road, 

Orlando, Florida. 

- Approved, February 4, 2002 

(AC) = Addition or Correction Delegated - Page 1 of 5 
H.2 Actions under delegated authority February 3, 2002 to February 9, 2002 

Bank Branches, Domestic 

Chicago 

Valley Ridge Bank, Kent City, Michigan -- to establish a branch at 1423 W. Main Street, 

Fremont. 

- Approved, February 7, 2002 

Bank Holding Companies 

Director, BS&R 

CLS Group Holdings AG, Zurich, Switzerland -- to acquire CLS Bank International, 

New York, New York, an Edge corporation, through CLS Services Ltd., London, 

United Kingdom. 

- Approved, February 5, 2002 

Minneapolis 

Dakota Bancshares, Inc., Mendota Heights, Minnesota -- to acquire The Midway 

National Bank of St. Paul, St. Paul. 

- Approved, February 6, 2002 

San Francisco 

First Community Bancorp, Rancho Santa Fe, California; Castle Creek Capital Partners 

Funds I, IIa, and IIb, LP; Castle Creek Capital, LLC; Eggemeyer Advisory Corp.; and 

WJR Corp. -- waiver of application for First Community Bancorp to merge with 

W.H.E.C., Inc., Carlsbad, in connection with the merger of their subsidiary banks, 

Rancho Santa Fe National Bank, Rancho Santa Fe, and Capital Bank of North County, 

Carlsbad. 

- Granted, February 8, 2002 

Atlanta 

Liberty National Bancshares, Inc., Conyers, Georgia -- commitment waiver request. 

- Granted, February 6, 2002 

Cleveland 

Rurban Financial Corp., Defiance, Ohio -- to acquire shares of Financial Data 

Technology Corporation, Franklin, Tennessee, and thereby engage in data processing 

activities. 

- Approved, February 8, 2002 

(AC) = Addition or Correction Delegated - Page 2 of 5 
H.2 Actions under delegated authority February 3, 2002 to February 9, 2002 

Bank Holding Companies 

Cleveland 

Signature Bancorp, Inc., Toledo, Ohio -- to become a bank holding company through the 

acquisition of Signature Bank, National Association. 

- Approved, February 8, 2002 

Chicago 

Boston 

TCSB Bancorp, Inc., Traverse City, Michigan -- to become a bank holding company 

through the acquisition of Traverse City State Bank. 

- Approved, February 8, 2002 

Washington Trust Bancorp, Inc., Westerly, Rhode Island -- waiver of application for the 

acquisition of First Financial Corp., Providence, in connection with the merger of their 

subsidiaries, The Washington Trust Company of Westerly, Westerly, and First Bank and 

Trust Company, Providence. 

- Granted, February 4, 2002 

Bank Mergers 

San Francisco 

Pacific State Bank, Stockton, California -- to acquire certain assets and assume certain 

liabilities of the Stockton branch of California Bank & Trust, San Diego, and thereby 

consolidate branches. 

- Approved, February 6, 2002 

Change In Bank Control 

Boston 

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

- Permitted, February 4, 2002 

Minneapolis 

Currie Bancorporation, Inc., Currie, Minnesota -- change in bank control. 

- Withdrawn, February 5, 2002 

St. Louis 

First National Corporation of Wynne, Wynne, Arkansas -- change in bank control. 

- Permitted, February 7, 2002 

(AC) = Addition or Correction Delegated - Page 3 of 5 
H.2 Actions under delegated authority February 3, 2002 to February 9, 2002 

Competitive Factors Reports 

Atlanta 

Frontier National Bank, LaGrange, Georgia -- report on competitive factors of the 

proposed merger with Frontier National Bank, Sylacauga, Alabama. 

- Submitted, February 6, 2002 

San Francisco 

Household Bank (Nevada), N.A., Las Vegas, Nevada -- report on competitive factors 

of the proposed merger with Household Bank (SB), N.A. 

- Submitted, February 6, 2002 

Minneapolis 

Midway Interim National Bank, St. Paul, Minnesota -- report on competitive factors of 

the proposed consolidation with The Midway National Bank of St. Paul. 

- Submitted, February 7, 2002 

Boston 

The Washington Trust Company of Westerly, Westerly, Rhode Island -- report on 

competitive factors of the proposed merger with First Bank and Trust Company, 

Providence. 

- Submitted, February 6, 2002 

Currency 

Director, RBOPS 

Federal Reserve Notes -- reallocation of print order for notes for fiscal year 2002. 

- Approved, February 7, 2002 

Extensions Of Time 

Dallas 

Bank of Commerce, McLean, Texas -- extension to April 22, 2002, to establish a branch 

at 800 South Monroe Street, Amarillo. 

- Granted, February 8, 2002 

Atlanta 

Fifth Third Bank, Naples, Florida -- extension to February 7, 2003, to establish a branch 

at 999 Vanderbilt Beach Road. 

- Granted, February 7, 2002 

(AC) = Addition or Correction Delegated - Page 4 of 5 
H.2 Actions under delegated authority February 3, 2002 to February 9, 2002 

Extensions Of Time 

Kansas City 

Lindoe, Inc., Ordway, Colorado -- extension to March 31, 2002, to acquire shares of 

Southern Colorado National Bancorp, Inc., Pueblo. 

- Granted, February 5, 2002 

Atlanta 

The Park Avenue Bank, Valdosta, Georgia -- extensions to May 5, 2002, to merge with 

First Community Bank of Southwest Georgia, Bainbridge, and Baxley Federal Bank, 

Baxley. 

- Granted, February 5, 2002 

Financial Holding Companies 

Dallas 

Summit Bancshares, Inc., Fort Worth, Texas, and Summit Financial Corporation, Dover, 

Delaware -- election to become financial holding companies. 

- Effective, February 4, 2002 

Membership 

Kansas City 

Butte State Bank, Butte, Nebraska -- membership in the Federal Reserve System. 

- Approved, February 7, 2002 

Chicago 

Pacific Global Bank, Chicago, Illinois -- membership in the Federal Reserve System. 

- Approved, February 6, 2002 

St. Louis 

Progress Bank of Missouri, Sullivan, Missouri -- membership in the Federal Reserve 

System. 

- Approved, February 8, 2002 

(AC) = Addition or Correction Delegated - Page 5 of 5 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, February 9, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

CIC Northern Bancorp, Inc., Woburn,Massachusetts - notice by 

James J. Mawn, Gloucester, Massachusetts, and members of his 

immediate family and affiliated entities acting in concert to 

acquire greater than 25% of the voting shares of Northern 

Bancorp, Woburn, Massachusetts 

CIC Northern Bancorp, Inc., Woburn, Massachusetts - notice by a 

group comprised of Dorothy J. Mawn, Woburn, Massachusetts, 

and members of her immediate family and affiliated entities 

acting in concert to acquire greater than 25% of the voting 

shares of Northern Bancorp, Woburn, Massachusetts 

Newspaper - N/A Fed 

Reg - 01/29/2002 

Newspaper - N/A Fed 

Reg - 01/30/2002 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, February 9, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch HSBC Bank USA, Buffalo, New York, to establish branches in 

Portland, Oregon and Seattle, Washington (formerly held by 

HSBC Bank Canada, Vancouver, Canada).* 

Newspaper – 02/06/2002 

Branch Artesa Banking Corporation S.A., Brussels, Belgium, to 

establish a state-licensed branch in New York, New York. * 

Newspaper – 02/06/02 

* Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

3(a)(1)(a) EuroBancshares, Inc., Hato Rey, Puerto Rico, to acquire 100 

percent of the issued and outstanding shares of the common 

stock of Eurobank, Hato Rey, Puerto Rico. 

3(a)(1)/3(a)(3) Chinatrust Commercial Bank, Ltd., Taipei, China, to acquire 

indirectly 100% of the voting shares of Chinatrust Commercial 

Bank, Ltd., Taipei, Taiwan, and thereby become a bank holding 

company through the indirect ownership of Chinatrust Bank, 

Torrance, California.* 

4(c)(8) R&G Financial Corporation, San Juan, Puerto Rico, to acquire 

The Crown Group, Inc., a savings and loan bank holding 

company, and indirectly acquire control of its thrift subsidiary, 

Crown Bank, a federal savings bank, both of Casselberry, 

Florida.* 

3(a)(5) 3(a)(3) 18c United National Bancorp, Bridgewater, New Jersey, to acquire 

Vista Bancorp, Inc., and Vista Bank, N.A. both of Phillipsburg, 

New Jersey. 

Newspaper – 03/01/2002 

Fed Reg – 03/01/2002 

Newspaper – 02/11/2002 

Fed Reg – 02/11/2002 

Newspaper – 02/15/2002 

Fed Reg – N/Avail 

Newspaper – N/A Fed 

Reg – N/A 

* Subject to the provisions of the Community Reinvestment Act 
Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

3(a)(5) NorCrown Bancorp to become a one-bank holding company for N/A 

NorCrown Bank, both of Livingston, New Jersey. 

Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, February 9, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, February 9, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Received notice from Western Reserve Bank, Medina, OH on 

02/07/2002 of its intent to establish a branch at Camelot Place, 

49a Leisure Lane, Medina, OH.* 

02/18/2002

18(c) Branch Received application from The Citizens Banking Company, 

Sandusky, OH on 02/04/2002 to merge with Citizens National 

Bank of Norwalk, Norwalk, OH and incident thereto establish 

branch facilities.* 

Not Yet Known 

* Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4(c)(8) Received notice from First Financial Bancorp, Hamilton, OH on 03/01/2002 

02/07/2002 of its intent to engage de novo in providing 

investment advisory services to open-ended investment 

companies as permitted under Section 225.28(b)(6)(i) of 

Regulation Y and providing other services for mutual funds as 

permitted under previous Board Order through First Financial 

Capital Advisors, LLC. 
Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

Waiver Request by First Financial Bancorp, Hamilton, OH received on 

02/04/2002 to waive filing an application pursuant to Section 3 

of the Bank Holding Company Act with respect to acquiring a 

newly formed national bank now in process of conversion, 

Community First Bank & Trust , N.A., formally Indiana 

Lawrence Bank, North Manchester, IN. 

Waiver Request by First Citizens Banc Corp., Sandusky, OH received 

on 02/07/2002 to waive filing an application pursuant to Section 

3 of the Bank Holding Company Act with repect to acquiring 

Independent Community Banc Corp, Norwalk, OH. 

4(c)(8) Received notice from First Commonwealth Financial 

Corporation, Indiana, PA on 02/07/2002 of its intent to acquire 

Strategis Capital Concepts, Inc., and Strategic Financial 

Advisors, Inc., both of Pittsburgh, PA. 

Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

723112 Fifth Third Bank 

38 Fountain Square Plaza 

Cincinnati, OH 45263 

03/05/2001 02/06/2002 S X

636043 Fifth Third Bank, Indiana 

251 N. Illinois, Suite 1000 

Indianapolis, IN 64204 

03/05/2001 02/06/2002 S X
Section V – Availability of CRA public evaluations 

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

138510 Fifth Third Bank, Northern Kentucky 

8100 Burlington Pike 

Florence, KY 41042 

1390342 Fifth Third Bank, Florida 

4099 Tamiami Trail 

Naples, FL 34101 

449122 Sky Bank 

10 East Main Street 

Salineville, OH 43945 

576710 Sky Bank – The Ohio Region 

236 South Main Street 

Findlay, OH 45840 

03/05/2001 02/06/2002 S X 

03/05/2001 02/06/2002 S X 

08/06/2001 02/07/2002 S X 

08/06/2001 02/07/2002 S X 

Section VI – CRA examinations scheduled for Second Quarter of 2002 

Institution Location 

Community First Bank & Trust 225 North Main Street, Celina, OH 45822

Saint Henry Bank 231 East Main Street, Saint Henry, OH 45883-0330

Somerset Trust Company 151 West Main Street, Somerset, PA 15501

Citizens Deposit Bank and Trust Second and Main Street, Vanceburg, KY 41179

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

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

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

circumstances. 
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, February 9, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) RBC Centura Bank, Rocky Mount, North Carolina, to merge Newspaper - 03/10/2002 

with SFNB (Georgia) Bank, Atlanta, Georgia, proposed 

successor by charter conversion to Security First Network Bank, 

Atlanta, Georgia.* 

*Subject to the provisions of the Community Reinvestment Act. 

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

Ending date of 

Type Application comment period 

CIC Randi Lynn Cohen to increase her ownership to 39.9% in 

Maryland Permanent Capital Corporation, Owings Mills, 

Maryland.* 

Fed Reg - 02/27/2002 

Newspaper - 03/02/2002 

CIC C. Edward Floyd to increase his ownership to 14.83% in Sun 

BankShares, Murrells Inlet, South Carolina.* 

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 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, February 9, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Tennessee State Bank, Pigeon Forge, Tennessee, to establish a 

branch located at 3307 Winfield Dunn Parkway, Kodak, 

Tennessee. 

Branch First Commerical Bank of Florida, Orlando, Florida, to establish 

a branch located at 12901 West Colonial Boulevard, Winter 

Garden, Florida. 

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

3480 Georgia State Highway 124, Dacula, Georgia, to be known 

as the Hamilton Mill North Office. 

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

5660 Baltimore National Pike, Baltimore, Maryland, to be 

known as the Ingleside Safeway Office. 

02/10/2002* 

02/14/2002* 

02/20/2002* 

02/20/2002* 

*Subject to provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

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

Type Application 

Membership Century Bank of Florida, Tampa, Florida, to become a member 

of the Federal Reserve System. 

Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

358635 Bank of Warrior 

17 North 20th Street 

09/04/2001 02/04/2002 S X 

Birmingham, Alabama 35203 

(256) 208-6114 

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, February 9, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Byron Center State Bank, Byron Center, Michigan, for prior 

approval to establish branches at 1963 Baldwin, Jenison, 

Michigan and 1146 Superior Street, Wayland, Michigan.* 

18(c) & Branches Johnson Bank, Racine, Wisconsin, for prior approval to merge 

with Johnson Bank Hayward, Hayward, Wisconsin and thereby 

to establish branches at Hwy 63 North, Hayward, Wisconsin, 

209 Dakota South, Hayward, Wisconsin, 340 S. Main Street, 

Rice Lake, Wisconsin and 329 S. River Street, Spooner, 

Wisconsin.* 

Branch M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, to 

establish a branch facility to be located at 8900 South Howell 

Avenue, Oak Creek, Wisconsin.* 

Branch M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, to 

establish a branch facility to be located at 9055 76th Street, 

Pleasant Prairie, Wisconsin.* 

18(c) & Branches Town & Country Bank of Springfield, Springfield, Illinois, for 

prior approval to merge with Bank of Palmyra, Palmyra, Illinois 

and thereby to establish a branch at 322 N. Main Street, 

Palmyra, Illinois.* 

Newspaper – 02/04/2002 

Newspaper – N/Avail 

Newspaper – 02/01/2002 

Newspaper – 01/30/2002 

Newspaper – 02/16/2002 

* Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

3(a)(3) Central Bancshares, Inc., Muscatine, Iowa, for prior approval to 

acquire 100 percent of the voting shares of Marquette Bank 

Illinois, Galesburg, Illinois.* 

Fed Reg – 02/08/2002 

Newspaper – 02/04/2002 

3(a)(5) First Merchants Corporation, Muncie, Indiana, for prior 

approval to acquire 100 percent of the voting shares of Lafayette 

Bancorporation, Lafayette, Indiana and thereby indirectly 

acquire Lafayette Bank and Trust Company, Lafayette, Indiana.* 

Fed Reg – 02/11/2002 

Newspaper – 2/14/2002 
Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

3(a)(3) Grant County State Bancshares, Inc. Employees Stock 

Ownership Plan, Swayzee, Indiana, for prior approval to acquire 

additional shares to increase control from 31.99 percent to 33.28 

percent of the voting shares of Grant County State Bancshares, 

Inc., Swayzee, Indiana and thereby indirectly acquire Grant 

County State Bank, Swayzee, Indiana.* 

3(a)(3) Illini Corporation, Springfield, Illinois, for prior approval to 

acquire 100 percent of the voting shares of Illinois Community 

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

Illinois Community Bank, Effingham, Illinois.* 

3(a)(5) Marshall & Ilsley Corporation, Milwaukee, Wisconsin, for prior 

approval to acquire 100 percent of the voting shares of Century 

Bancshares, Inc., Eden Prairie, Minnesota and thereby indirectly 

acquire Century Bank, National Association, Eden Prairie, 

Minnesota.* 

3(a)(1) & 4(c)(8) Savanna-Thomson Investment, Inc., Fulton, Illinois, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of Thomson 

Investment Company, Inc., Thomson, Illinois and thereby 

indirectly acquire Savanna State Bank, Savanna, Illinois and 

Thomson State Bank, Thomson, Illinois and to engage in the 

activity of making and servicing loans through the establishment 

of Thomson LLC, Fulton, Illinois.* 

Notification by John T. Dancer, of a Change in Control to retain 

32.67 percent of Stockbridge Bancorporation, Inc., Stockbridge, 

Michigan. 

Fed Reg – 02/25/2002 

Newspaper – 02/18/2002 

Fed Reg – 02/04/2002 

Newspaper – 02/07/2002 

Fed Reg – 02/04/2002 

Newspaper – 01/27/2002 

Fed Reg – 03/05/2002 

Newspaper – N/Avail 

Fed Reg – 02/15/2002 

Newspaper – 02/09/2002 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

3(a)(1) Notice Maunesha Bancshares, Inc., Waterloo, Wisconsin, to become a 

bank holding company by acquiring 100 percent of Farmers & 

Merchants State Bank, Waterloo, Wisconsin. 

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

Type Application 

3(a)(1) Notice LSB Holding Company, Livingston, Wisconsin, to become a 

bank holding company by acquiring 100 percent of Livingston 

State Bank, Livingston, Wisconsin. 

Reg. K Comerica Bank-California, San Jose, California, for prior 

approval to completely liquidate and dissolve Imperial 

International Bank, its wholly-owned Edge corporation. 

Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

2315061 Foxdale Bank 

1140 W. Spring Street 

South Elgin, Illinois 60177 

(847) 742-8080 

799939 Hartsburg State Bank 

101 N. 2nd Street 

Hartsburg, Illinois 62643 

(217) 642-5213 

08/27/2001 02/08/2002 S X 

10/09/2001 02/08/2002 S X 
Section VI – CRA examinations scheduled for Second Quarter of 2002 

Institution Location 

ILLINOIS 

First Community Bank & Trust

First Midwest Bank

Harris Trust and Savings Bank

The State Bank of Geneva

Northside Community Bank

Royal American Bank

Parish Bank & Trust

Harris Bank St. Charles

INDIANA 

The Friendship State Bank 

IOWA 

Fortess Bank Cresco 

Templeton Savings Bank 

Washington State Bank 

MICHIGAN 

Tri-County Bank 

Valley Ridge Bank 

Michigan Heritage Bank 

Midwest Guaranty Bank 

WISCONSIN 

Johnson Bank 

Fortress Bank of Westby 

Beecher, Illinois

Buffalo Grove, Illinois

Chicago, Illinois

Geneva, Illinois

Gurnee, Illinois

Inverness, Illinois

Momence, Illinois

St. Charles, Illinois

Friendship, Indiana

Cresco, Iowa

Templeton, Iowa

Washington, Iowa

Brown City, Michigan

Kent City, Michigan

Novi, Michigan

Troy, Michigan

Racine, Wisconsin

Westby, Wisconsin

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

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

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

circumstances. 
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, February 9, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

CIC Notice by James and Shirley Stewart to retain control of The 

Bancshares, Inc., Scottsburg, Indiana. 

Newspaper – N/Avail 

Fed Reg – N/Avail 

3(a)(1) First Community Bancshares, Xenia, Illinois, to become a bank 

holding company by acquiring 100 percent of First Community 

Bank, Xenia-Flora, Xenia, Illinois.* 

Newspaper – 3/10/2002 

Fed Reg – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

453446 Heber Springs State Bank 10/22/2001 2/7/2002 S X 

Heber Springs, Arkansas 

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, February 9, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch The Yellowstone Bank, Laurel, Montana, to establish a branch 02/14/2002 

facility to be located at the southeast corner of Shiloh Road and 

Avenue B, Billings, Montana.* 

*Subject to the provisions of the Community Reinvestment Act. 

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

Ending date of 

Type Application comment period 

CIC Michael William Johnson and Sandra Lee Johnson to retain 

control of Teton Bancshares, Inc., Fairfield, Montana, and 

thereby indirectly retain control of The First National Bank of 

Fairfield, Fairfield, Montana; Choteau Bancorporation, Inc., 

Choteau, Montana, and its subsidiary bank, The Citizens State 

Bank of Choteau, Montana, Choteau, Montana. 

Fed Reg – 02/25/2002 

Newspaper – 02/25/2002 

CIC Douglas G. Hansen to acquire control of Currie Bancorporation, 

Inc., Currie, Minnesota, and thereby indirectly acquire control of 

its subsidiary bank, Currie State Bank, Currie, Minnesota. 

Fed Reg – 02/28/2002 

Newspaper – 02/25/2002 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

application for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Second Quarter of 2002 

Institution Location 

The Peninsula Bank of Ishpeming

CornerStone State Bank

Dakota Bank

Liberty State Bank

Peoples State Bank of Plainview

Root River State Bank

Big Sky Western Bank

First Security Bank of Missoula

Glacier Bank

Valley Bank Glasgow

Ishpeming, Michigan 

LeSueur, Minnesota 

Mendota Heights, Minnesota 

St. Paul, Minnesota 

Plainview, Minnesota 

Chatfield, Minnesota 

Gallatin Gateway, Montana 

Missoula, Montana 

Kalispell, Montana 

Glasgow, Montana 
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, February 9, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

CIC Notice by Blair Lauritzen Gogel, Mission Hills, Kansas, and Newspaper – N/Available 

Clarkson Davis Lauritzen, Boston, Massachusetts, to acquire Fed Reg – 02/28/2002 

control of K.B.J. Enterprises, Inc., Omaha, Nebraska, parent of 

the Sibley State Bank, Sibley, Iowa. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

Member First Bank of Medicine Lodge, Medicine Lodge, Kansas, for 

prior approval to become a member of the Federal Reserve 

System. 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, February 9, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

CIC Benjamin Louis Doskocil, Sr., Arlington, TX, only notificant, to 

acquire an interest in ANB Financial Corporation, Arlington, TX 

Fed Reg – 02/27/2002 

Newspaper – 02/26/2002 

3(a)(3) First Community Capital Corporation, Houston, TX, to acquire 

The Express Bank, Houston, TX* 

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 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, February 9, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

Waiver CVB Financial Corp., Ontario, California, requests waiver from 

filing an application to merge with Western Security Bancorp, 

Burbank, California, and simultaneously merge with Western 

Security Bank, N.A., Burbank, California, with and into Citizens 

Business Bank, Ontario, 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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

876465 Spectrum Bank 10/09/2001 02/05/2002 S X 

2417 West Whittier Blvd. 

Montebello, CA 90640 

Section VI – CRA examinations scheduled for Second Quarter of 2002 

Institution Location 

Bank of Los Altos

Business Bank of California

Community Bank of Nevada

Foothill Independent Bank

Idaho Banking Company

North Valley Bank

Six Rivers Bank

United Security Bank

Utah Independent

Westamerica

Los Altos, California

San Bernardino, California

Las Vegas, Nevada

Glendora, California

Boise, Idaho

Redding, California

Eureka, California

Fresno, California

Salina, Utah

San Rafael, California

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

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

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

circumstances.