Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 16

Week Ending April 19, 2003

Board of Governors of the Federal Reserve System, Washington, DC 20551
April 13, 2003 to April 19, 2003

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Delafield State Bank, Delafield, Wisconsin -- to establish branches at 123 West 

Washington Avenue, Madison, and 222 North Midvale Boulevard.

- Approved, April 17, 2003 

Chicago

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 2825 Smith Avenue, 

Baltimore, Maryland.

- Approved, April 17, 2003 

Secretary

Bank Holding Companies

Bancorp V, Inc., Olathe, Kansas -- to become a bank holding company through the 

acquisition of shares of Bank of Leeton, Leeton, Missouri.

- Approved, April 15, 2003 

Kansas City

Central Georgia Banking Company, Cochran, Georgia -- to become a bank holding 

company through the acquisition of State Bank of Cochran.

- Returned, April 18, 2003 

Atlanta

Dickinson Financial Corporation II, Kansas City, Missouri, and Dickinson Financial 

Corporation -- waiver of application to acquire Founders Bancshares, Inc., Chesterfield, 

in connection with the merger of Founders Bank, and Dickinson's subsidiary bank, Bank 

Midwest, National Association, Kansas City.

- Granted, April 17, 2003 

Secretary

DnB Holding ASA, Oslo, Norway -- to retain its investment in DnB Asset Management 

(US) Inc., New York, New York, and thereby continue to engage in certain financial and 

investment advisory activities.

- Approved, April 16, 2003 

New York

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority April 13, 2003 to April 19, 2003

Bank Holding Companies

First National Agency Company of Deer River Inc., Deer River, Minnesota -- relief from 

a commitment.

- Withdrawn, April 15, 2003 

Minneapolis

First Star Bancorp, Inc., Bethlehem, Pennsylvania -- transfer agent registration.

- Withdrawn, April 14, 2003 

Director, BS&R

Security First Bancshares, Inc., O'Fallon, Illinois -- to become a bank holding company 

through the acquisition of shares of Bank of O'Fallon.

- Approved, April 14, 2003 

St. Louis

SunTrust Banks, Inc., Atlanta, Georgia -- to acquire Lighthouse Financial Services, Inc., 

Hilton Head, South Carolina, and Lighthouse Community Bank.

- Approved, April 17, 2003 

Secretary

West Bancorporation, Inc., West Des Moines, Iowa -- transfer agent registration.

- Withdrawn, April 14, 2003 

Director, BS&R

Banks, State Member

Bank of Hawaii, Honolulu, Hawaii -- transfer agent registration.

- Approved, April 14, 2003 

Director, BS&R

Bank of Louisville, Louisville, Kentucky -- transfer agent registration.

- Withdrawn, April 14, 2003 

Director, BS&R

Change In Bank Control

Clyde Financial Corporation, Clyde, Texas -- change in bank control.

- Permitted, April 14, 2003 

Dallas

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority April 13, 2003 to April 19, 2003

Change In Bank Control

First Paris Holding Company, Paris, Arkansas -- change in bank control.

- Permitted, April 15, 2003 

St. Louis

Competitive Factors Reports

Bank of the Wichitas, Snyder, Oklahoma -- report on competitive factors of the 

proposed merger with Wichita Bancshares, Inc.

- Submitted, April 14, 2003 

Kansas City

Colombo Bank, Rockville, Maryland -- report on competitive factors of the proposed 

merger with Independence Federal Savings Bank, Washington, D.C.

- Submitted, April 15, 2003 

Richmond

The Eden State Bank, Eden, Texas -- report on competitive factors of the proposed 

acquisition of the Big Lake branch of Big Lake Bank, N.A., Big Lake.

- Submitted, April 18, 2003 

Dallas

Farmers Exchange Bank, Cherokee, Oklahoma -- report on competitive factors of the 

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

Wakita branches of Gold Bank, Hennessey.

- Submitted, April 14, 2003 

Kansas City

Jefferson Bancshares, MHC, Morristown, Tennessee -- report on competitive factors of 

the proposed merger with Jefferson Federal Savings & Loan Association.

- Submitted, April 16, 2003 

Atlanta

Riverview Bancorp, Inc., Vancouver, Washington -- report on competitive factors of the 

proposed acquisition of Today's Bancorp, Inc., and merger of Today's Bank and 

Riverview Community Bank.

- Submitted, April 15, 2003 

San Francisco

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority April 13, 2003 to April 19, 2003

Competitive Factors Reports

Southwest Bank of Texas, N.A., Houston, Texas -- report on competitive factors of the 

proposed merger with MaximBank, Dickinson.

- Submitted, April 18, 2003 

Dallas

Extensions Of Time

Bank of Oklahoma, National Association, Tulsa, Oklahoma -- extension to June 1, 2003, 

to establish a branch in Grand Cayman, Cayman Islands.

- Granted, April 17, 2003 

Kansas City

Compass Bank, Birmingham, Alabama -- extension to May 9, 2003, to establish mobile 

branches to serve Birmingham, Huntsville, Mobile, Montgomery, and Tuscaloosa, 

Alabama; Phoenix, Scottsdale, Tempe, and Tucson, Arizona; Denver, Boulder, Colorado 

Springs, and Fort Collins, Colorado; Gainesville, Jacksonville, Pensacola, Fort Walton 

Beach, and Saint Augustine, Florida; Albuquerque, New Mexico; and Austin, Dallas, 

Fort Worth, Houston, and San Antonio, Texas.

- Granted, April 16, 2003 

Atlanta

First United Bank, Englewood, Colorado -- extension to July 22, 2003, to establish a 

branch at 6500 West 104th Avenue, Westminster.

- Granted, April 15, 2003 

Kansas City

Prairieland Bancorp Employee Stock Ownership Plan and Trust, Bushnell, Illinois -- 

extension to June 30, 2003, to increase its interest in Prairieland Bancorp, Inc., and 

thereby acquire Farmers and Merchants State Bank.

- Granted, April 15, 2003 

Chicago

Financial Holding Companies

First Farmers Financial Corporation, Converse, Indiana -- election to become a financial 

holding company.

- Effective, April 17, 2003 

Chicago

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority April 13, 2003 to April 19, 2003

Financial Holding Companies

West Pointe Bancshares, Inc., Oshkosh, Wisconsin -- election to become a financial 

holding company.

- Effective, April 17, 2003 

Chicago

(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, April 19, 2003 

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) PeoplesBancorp, MHC, Holyoke, Massachusetts - to become a 

mutual bank holding company through the acquisition of 100% 

of the voting shares of PeoplesBank, successor to Peoples 

Savings Bank, both of Holyoke, Massachusetts 

Newspaper - 05/22/2003 

Fed Reg - N/Avail 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

None 
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance 

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 2 

Federal Reserve Bank of New York 

Applications and notifications filed during the week ending Saturday, April 19, 2003 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

18C Manufacturers and Traders Trust Company, Buffalo, New York, 

to merge Allfirst Financial Center National Association, 

Millsboro, Delaware, with and into M&T Bank, Buffalo, New 

York. 

Newspaper – 5/7/2003 

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

Type Application

Ending date of 

comment period

3A1 Sleepy Hollow Bancorp, Inc., to become a one bank holding 

company with respect to Sleepy Hollow Bank, both of Sleepy 

Hollow, New York. 

Newspaper – 5/7/2003 

Fed Reg – 5/12/2003 

3A1 The Adirondack Trust Company Employee Stock Ownership 

Trust, Saratoga Springs, New York, to become a bank holding 

company with respect to 473 Broadway Holding Corporation 

and the Adirondack Trust Company, both of Saratoga Springs, 

New York. 

Newspaper – N/Avail 

Fed Reg – N/Avail 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

None 
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance 

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 3 

Federal Reserve Bank of Philadelphia 

Applications and notifications filed during the week ending Saturday, April 19, 2003 

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, April 19, 2003 

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, April 19, 2003 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

Ending date of 

comment period

None 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

None 
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance 

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 6 

Federal Reserve Bank of Atlanta 

Applications and notifications filed during the week ending Saturday, April 19, 2003 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

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

4310 Ebenezer Road, Perry Hall, Maryland, to be known as 

Perry Hall Square Office.* 

Newspaper-04/27/2003 

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

the intersection of Eagles Landing Parkway & Country Club 

Drive, Stockbridge, Georgia, to be known as The Shoppes at 

Eagles Landing.* 

Newspaper-04/27/2003 

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

481 Prosperity Lake Drive, St. Augustine, Florida, to be known 

as the St. John’s Office.* 

Newspaper-04/22/2003 

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

Community Bank, Hilton Head Island, South Carolina.* 

Newspaper-05/12/2003 

*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) Alabama National BanCorporation, to acquire 100 percent of the 

outstanding shares of Millennium Bank, Gainesville, Florida.* 

Newspaper-05/05/2003 

Fed Reg-05/19/2003 

3(a)(3) SunTrust Banks, Inc., Atlanta, Georgia, to acquire Lighthouse 

Community State Bank, Hilton Head Island, South Carolina.* 

Newspaper-05/12/2003 

Fed Reg-05/12/2003 

3(a)(1) Triangle Financial Group, Inc., Loganville, Georgia, to become 

a bank holding company by acquiring The Community Bank, 

Loganville, Georgia.* 

Newspaper-04/30/2003 

Fed Reg-05/16/2003 
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of 

comment period

CIC Pinnacle Financial Corporation, Elberton, Georgia, after-the-fact 

change in control filed by L. Jackson McConnell, Sr., Patricia 

McConnell, The L. Jackson McConnell, Jr. Family Trust, the L. 

Jackson McConnell Sr. Retained Annuity Trust, L. Jackson 

McConnell, Jr. as custodian for Lawson C. McConnell, L. 

Jackson McConnell, Jr. as custodian for Mary Margaret 

McConnell, all of Elberton, Georgia, The Kathleen L. Korotzer 

Family Trust, Kathleen L. Korotzer as custodian for Turner J. 

Korotzer, Kathleen L. Korotzer as custodian for Nicholas C. 

Korotzer, all of Walnut Creek, California, Alice M. Eberhardt, 

Linton W. Eberhardt, III, The Linton W. Eberhardt, IV Family 

Trust, the Laura Eberhardt Stille Family Trust, and the Alice M. 

Eberhardt Retained Annuity Trust, all of Royston, Georgia, to 

retain 58.5 percent of the outstanding stock of Pinnacle 

Financial Corporation, and its subsidiary, Pinnacle Bank, both of 

Elberton, Georgia. 

Newspaper-04/23/2003 

Fed Reg-04/18/2003 

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 7 

Federal Reserve Bank of Chicago 

Applications and notifications filed during the week ending Saturday, April 19, 2003 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

18(c) & 

 Branches 

Comerica Bank, Detroit, Michigan, to merge with Comerica 

Bank-Texas, Dallas, Texas and Comerica Bank-California, San 

Jose, California, and thereby to establish 158 branches.* 

Newspaper – N/Avail 

Branch First American Bank, Fort Dodge, Iowa, to establish a branch 

facility to be located at 1901 E.P. True Parkway, West Des 

Moines, Iowa.* 

Newspaper – 04/24/2003 

18(c) & 

 Branches 

First Midwest Bank, Itasca, Illinois, to purchase the branch 

office of The Northern Trust Company, Chicago, Illinois, 

located at 8501 West Higgins Road, Chicago, Illinois, and 

thereby to establish a branch at the same location.* 

Newspaper – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

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

Type Application

Ending date of 

comment period

CIC Notice by Commerce Bancorp Rabbi Trust, Berkeley, Illinois, 

to increase ownership from 9.97 percent to 10.21 percent of 

Commerce Bancorp, Inc., Berkeley, Illinois, and thereby 

indirectly acquire control of National Bank of Commerce, 

Berkeley, Illinois. 

Fed Reg – 04/28/2003 

Newspaper – N/Avail 

3(a)(3) MainSource Financial Group, Greensburg, Indiana, to acquire 

100 percent of the voting shares of First Community 

Bancshares, Inc., Bargersville, Indiana, and thereby indirectly 

acquire First Community Bank & Trust, Bargersville, Indiana.* 

Fed Reg – 05/09/03 

Newspaper – N/Avail 

3(a)(3) National Bancshares, Inc., Bettendorf, Iowa, to acquire at least 

400,000 shares, or 33.56 percent of Benchmark Bancorp, Inc., 

Aurora, Illinois, and thereby indirectly Benchmark Bank, 

Aurora, Illinois.* 

Fed Reg – 04/18/2003 

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

Type Application

Ending date of 

comment period

3(a)(3) Peotone Bancorp, Inc., Peotone, Illinois, to acquire 24.99 

percent of the outstanding common stock of Bank of the San 

Juans Bancorporation, Durango, Colorado, and thereby 

indirectly acquire Bank of the San Juans, Durango, Colorado.* 

Fed Reg – 05/16/2003 

Newspaper – N/Avail 

3(a)(1) PNB Bancshares, Inc., Pekin, Illinois, to become a bank holding 

company by acquiring 100 percent of the voting shares of Pekin 

National Bank, Pekin, Illinois.* 

Fed Reg – 05/15/2003 

Newspaper – 05/09/2003 

CIC Notice by Myron Lee (Sam) Scott to acquire an additional 867 

shares, or 11.55 percent and thereby increase control to 21.14 

percent of Scott Bancshares, Inc., Bethany, Illinois, and thereby 

indirectly control Scott State Bank, Bethany, Illinois; Maroa 

Forsythe Community Bank, Maroa, Illinois; and State Bank of 

Niantic, Niantic, Illinois. 

Fed Reg – 05/01/2003 

Newspaper – N/Avail 

CIC Notice by Francis E. Powers, to acquire 49.78 percent of the 

voting shares of Union Bancorporation, Defiance, Iowa, and 

thereby indirectly acquire Defiance State Bank, Defiance, Iowa. 

Fed Reg – 04/17/2003 

Newspaper – 04/15/2003 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

3(a)(1) Notice CB Holding Corp., Aledo, Illinois, to become a bank holding 

company through the acquisition of 100 percent of the voting 

shares of Country Bank, Aledo, Illinois. 
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 

836544 Columbus Junction State Bank 

134 Main Street 

Columbus Junction, Iowa 52738 

(319) 728-2436 

12/02/2002 04/15/2003 S X 

75633 Harris Trust and Savings Bank 

111 W. Monroe Street 

Chicago, Illnois 60603 

(312) 461-2121 

04/29/2002 04/18/2003 O X 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 8 

Federal Reserve Bank of St. Louis 

Applications and notifications filed during the week ending Saturday, April 19, 2003 

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

4c8 Cass Information Systems, Inc., Bridgeton, Missouri, proposes 

to indirectly engage in data processing activities by acquiring 

100 percent of the series B preferred stock of Imaging 

Acceptance Corporation, Warrenton, Virginia. 
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance 

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 9 

Federal Reserve Bank of Minneapolis 

Applications and notifications filed during the week ending Saturday, April 19, 2003 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

Branch Big Sky Western Bank, Big Sky, Montana, to establish a branch 

facility at 106 East Babcock, Bozeman Montana.* 

Newspaper – 04/15/2003 

*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 Change in control notice by the Robert E. Meyerson Revocable 

Trust and the Suzanne L. Meyerson Revocable Trust, to gain 

control of Cattail Bancshares, Inc., Atwater, Minnesota, and 

thereby indirectly gain control of State Bank of Kimball, 

Kimball, Minnesota, and Atwater State Bank, Atwater, 

Minnesota. 

Fed Reg- 04/15/2003 

Newspaper- 04/16/2003 

3A1 Centra Ventures, Inc., St. Cloud, Minnesota, proposes to acquire 

100% of the voting shares of Falcon National Bank, Foley, 

Minnesota.* 

Fed Reg- 05/16/2003 

Newspaper- N/Avail 

*Subject to the provisions of the Community Reinvestment Act. 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

None 
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance 

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 10 

Federal Reserve Bank of Kansas City 

Applications and notifications filed during the week ending Saturday, April 19, 2003 

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) Gemini Bancshares, Inc., Monument, Colorado, to become a 

bank holding company through the acquisition of 100 percent of 

the voting shares of Integrity Bank and Trust, Monument, 

Colorado. 

Newspaper - N/Avail 

Fed Reg - N/Avail 

3(a)(1) Equity Bancshares, Inc., Wichita, Kansas, to become a bank 

holding company through the acquisition of 100 percent of the 

voting shares of National Bank of Andover, Andover, Kansas. 

Newspaper - N/Avail 

Fed Reg - N/Avail 

3(a)(1) Bank of the San Juans Bancorporation, Durango, Colorado, to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of Bank of the San Juans, Durango, 

Colorado. 

Newspaper - 05/08/2003 

Fed Reg - 05/16/2003 

3(a)(1) One Rich Hill Land Ltd. Partnership, Tulsa, Oklahoma, to 

become a bank holding company through the retention of 25.44 

percent of the voting shares of F&M Bancorporation, Tulsa, 

Oklahoma, parent of F&M Bank & Trust Company, Tulsa, 

Oklahoma. 

Newspaper - 04/20/2003 

Fed Reg - 05/16/2003 

3(a)(1) One Rich Hill Mining, LLC, Tulsa, Oklahoma, to become a 

bank holding company through the retention of 25.44 percent of 

the voting shares of F&M Bancorporation, Tulsa, Oklahoma, 

parent of F&M Bank & Trust Company, Tulsa, Oklahoma. 

Newspaper - 04/20/2003 

Fed Reg - 05/16/2003 

3(a)(3) Citizens Bancshares Employee Stock Ownership Plan, Fort 

Morgan, Colorado, to acquire up to 40 percent of the voting 

shares of Citizens Bancshares, Inc., parent of Citizens Bank of 

Edmond, both in Edmond, Oklahoma. 

Newspaper - 05/10/2003 

Fed Reg - 05/12/2003 

3(a)(3) The Farmers State Bank Employee Stock Ownership Plan, Fort 

Morgan, Colorado, to acquire up to 38 percent of the voting 

shares of F.S.B. Bancorporation of Fort Morgan, parent of 

Farmers State Bank, both in Fort Morgan, Colorado. 

Newspaper - 04/20/2003 

Fed Reg - 05/15/2003 
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of 

comment period

CIC Notice by Jeffrey L. Gerhart, Newman Grove, Nebraska, to 

acquire control of First Newman Grove Bankshares Corporation, 

Newman Grove, Nebraska, parent of The First National Bank of 

Newman Grove, Newman Grove, Nebraska. 

Newspaper - N/Avail 

Fed Reg - 05/05/2003 

CIC Notice by M. Brian Yarrington, Thermopolis, Wyoming, to 

acquire control of State Holding Company, parent of First State 

Bank of Thermopolis, both in Thermopolis, Wyoming. 

Newspaper - 04/25/2003 

Fed Reg - 04/22/2003 

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of 

comment period

None 

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

Type Application

Member Peoples Bank, Coldwater, Kansas, to become a member of the 

Federal Reserve System. 

Premises Bank at Broadmoor, Colorado Springs, Colorado, to increase its 

investment in bank premises in the amount of $188,480. 

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. 
Section V – Availability of CRA public evaluations

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

283054 Heritage Bank 

1020 Century Drive 

Louisville, Colorado 80027 

01/16/2003 04/17/2003 S X 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None 
District 11 

Federal Reserve Bank of Dallas 

Applications and notifications filed during the week ending Saturday, April 19, 2003 

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) AIM Bancshares, Inc., Levelland, TX, to acquire The First 

National Bank of Littlefield, Littlefield, TX* 

Fed Reg – 05/19/2003 

Newspaper – N/Avail 

3(a)(5) First National Monahans Bancshares, Inc., Monahans, TX, to 

acquire First Haskell Bancorp, Inc., Lubbock, TX, and First 

National Bank, Lubbock, TX* 

(previously reported the week ending April 12, 2003) 

Fed Reg – 05/19/2003 

Newspaper – 05/10/2003 

*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 12 

Federal Reserve Bank of San Francisco 

Applications and notifications filed during the week ending Saturday, April 19, 2003 

Section I – Applications subject to newspaper notice only

Type Application

Ending date of 

comment period

18(c) 

Branch 

Central California Bank, Sonora, California, to merge with 

Central Sierra Bank, San Andreas, California, and to acquire 

seven branches located in Amador, Calaveras, San Joaquin and 

Tuolomne counties, California.* 

Newspaper – N/Avail 

Branch Farmers and Merchants Bank of Long Beach, Long Beach, 

California, to establish a branch facility to be located at 7125 

Yorktown Avenue, Huntington Beach, California.* 

Newspaper – 4/25/2003 

* 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) Western Alliance Bancorporation, Las Vegas, Nevada, to 

acquire 100 percent of Torrey Pines Bank, San Diego, California 

(in organization).* 

Newspaper – N/Avail 

Fed Reg – 05/05/2003 

* 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) Service 1st Bancorp, Stockton, California, to become a bank 

holding company by acquiring 100 percent of Service 1st Bank, 

Stockton, California. 

COM Sumitomo Mitsui Banking Corporation, Tokyo, Japan, requests 

permanent relief of commitments made in connection with their 

acquisition of SMBC Securities, Inc., New York, New York, 

which was approved March 6, 1991. 

Investment Franklin Resources, Inc., San Mateo, California, to establish an 

indirect subsidiary bank, Franklin Templeton Fiduciary Bank & 

Trust, Ltd., Nassau, Bahamas, pursuant to section 211.9(g) of 

Regulation K. 

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding 

S = Satisfactory 

NI = Needs to improve 

SN = Substantial noncompliance 

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

RSSD Exam type

number Institution/Location

Examination 

date

CRA 

public date

CRA 

rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None