Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 7

Week Ending February 16, 2002

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions February 10, 2002 to February 16, 2002 

Enforcement 

MSB Shares, Inc., Jonesboro, Arkansas, and MidSouth Bank -- written agreement, 

dated February 5, 2002, with the Federal Reserve Bank of St. Louis and the 

Arkansas State Bank Department. 

- Announced, February 15, 2002 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority February 10, 2002 to February 16, 2002 

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

IF International Finance 

OSDM Office of Staff Director for Management 

C&CA Consumer and Community Affairs 

FOMC Federal Open Market Committee 

Bank Branches, Domestic 

Atlanta 

Atlanta 

Atlanta 

The Bank of Nashville, Nashville, Tennessee -- to establish a branch at 3169 Lebanon 

Pike. 

- Approved, February 12, 2002 

The Park Avenue Bank, Valdosta, Georgia -- to establish a branch at 4058 Continental 

Drive, Oakwood. 

- Approved, February 12, 2002 

Tennessee State Bank, Pigeon Forge, Tennessee -- to establish a branch at 3307 

Winfield Dunn Parkway, Kodak. 

- Withdrawn, February 13, 2002 

Bank Holding Companies 

Director, BS&R 

Bay Bancorporation, Green Bay, Wisconsin, and Bay Bank -- relief from certain 

commitments. 

- Granted, February 12, 2002 

Chicago 

Central Bancshares, Inc., Muscatine, Iowa -- to acquire Marquette Bank Illinois, 

Galesburg, Illinois. 

- Approved, February 13, 2002 

Secretary 

Chinatrust Financial Holding Company, Ltd., Taipei, Republic of China -- commenter's 

request to extend the comment period on the application to become a bank holding 

company through the acquisition of Chinatrust Commercial Bank, Ltd., and Chinatrust 

Bank (U.S.A.), Torrance, California. 

- Denied, February 15, 2002 

(AC) = Addition or Correction Delegated - Page 1 of 6 
H.2 Actions under delegated authority February 10, 2002 to February 16, 2002 

Bank Holding Companies 

Boston 

Chittenden Corporation, Burlington, Vermont -- to acquire Ocean National Corporation, 

Kennebunk, Maine, and Ocean National Bank. 

- Approved, February 13, 2002 

Kansas City 

Citizens Bancshares ESOP, Edmond, Oklahoma -- to become a bank holding company 

through the acquisition of shares of Citizens Bancshares, Inc. 

- Approved, February 11, 2002 

Secretary 

CVB Financial Corporation, Ontario, California, and Citizens Business Bank -- waiver of 

application for the acquisition of Western Security Bancorp, Burbank, in connection with 

the merger of their subsidiary banks, Citizens Business Bank, Ontario, and Western 

Security Bank, Burbank. 

- Granted, February 15, 2002 

Director, BS&R 

First Union Corporation, Charlotte, North Carolina -- relief from certain commitments. 

- Granted, February 15, 2002 

Kansas City 

Lauritzen Corporation, Omaha, Nebraska -- to acquire additional shares of First National 

of Nebraska, Inc. 

- Approved, February 15, 2002 

Chicago 

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to acquire Richfield State 

Agency, Inc., Richfield, Minnesota, and Richfield Bank & Trust Co., and to acquire 

Century Bancshares, Inc., Eden Prairie, Minnesota, and Century Bank, National 

Association. 

- Approved, February 11, 2002 

(AC) = Addition or Correction Delegated - Page 2 of 6 
H.2 Actions under delegated authority February 10, 2002 to February 16, 2002 

Bank Holding Companies 

Chicago 

National Bancshares, Inc., Bettendorf, Iowa -- to engage de novo in community 

development activities through investment in Quad City Community Development 

Company, LLC. 

- Withdrawn, February 13, 2002 

Kansas City 

Riverdale Bancshares, Inc., Riverdale, Nebraska -- to become a bank holding company 

through the acquisition of State Bank of Riverdale. 

- Approved, February 15, 2002 

Bank Mergers 

Atlanta 

SouthTrust Bank, Birmingham, Alabama -- to merge with Landmark Bank, Euless, 

Texas; and waiver of application for the merger of their parent holding companies, 

SouthTrust Corporation and its subsidiary holding company SouthTrust Bank of 

Alabama, Inc., both in Birmingham, and Landmark Bancshares, Inc., Euless. 

- Approved, February 14, 2002 

Change In Bank Control 

Chicago 

CoVest Bancshares, Inc., Des Plaines, Illinois -- change in bank control. 

- Permitted, February 15, 2002 

Minneapolis 

Graham Shares of Waverly, Inc., Waverly, Minnesota -- change in bank control. 

- Permitted, February 13, 2002 

Minneapolis 

Kiester Investments, Inc., Kiester, Minnesota -- change in bank control. 

- Permitted, February 12, 2002 

Boston 

Northern Bancorp, Inc., Woburn, Massachusetts -- change in bank control. 

- Withdrawn, February 13, 2002 

(AC) = Addition or Correction Delegated - Page 3 of 6 
H.2 Actions under delegated authority February 10, 2002 to February 16, 2002 

Change In Bank Control 

Atlanta 

WGNB Corp., Carrollton, Georgia -- change in bank control notices. 

- Permitted, February 15, 2002 

Competitive Factors Reports 

Cleveland 

Community First Bank & Trust, Celina, Ohio; Clyde Savings Bank Company, Clyde; 

Fidelity Federal Savings Bank, Marion, Indiana; and Citizens First State Bank, Hartford 

City -- report on competitive factors of the proposed merger with Indiana Lawrence 

Bank, North Manchester, Indiana. 

- Submitted, February 15, 2002 

Minneapolis 

First National Bank, Fort Pierre, South Dakota -- report on competitive factors of the 

proposed purchase of certain assets and assumption of certain liabilities of two Huron 

branches of Marquette Bank, National Association, Rogers, Minnesota. 

- Submitted, February 15, 2002 

Kansas City 

First National Bank, Goodland, Kansas -- report on competitive factors of the proposed 

merger with Security State Bank, Bird City. 

- Submitted, February 13, 2002 

Kansas City 

Home National Bank, Blackwell, Oklahoma -- report on competitive factors of the 

proposed merger with Home National Bank, Scottsdale, Arizona. 

- Submitted, February 13, 2002 

Kansas City 

The Peoples Bank, Pratt, Kansas -- report on competitive factors of the proposed 

merger with The Farmers State Bank, Hardtner. 

- Submitted, February 13, 2002 

(AC) = Addition or Correction Delegated - Page 4 of 6 
H.2 Actions under delegated authority February 10, 2002 to February 16, 2002 

Competitive Factors Reports 

Richmond 

United Bank, Inc., Parkersburg, West Virginia -- report on competitive factors of the 

proposed merger with United National Bank. 

- Submitted, February 12, 2002 

Extensions Of Time 

Chicago 

Capitol Bancorp, Ltd., Lansing, Michigan; Sun Community Bancorp Limited, Phoenix, 

Arizona; and Nevada Community Bancorp Limited, Las Vegas, Nevada -- extension to 

May 9, 2002, to acquire shares of Bank of Las Vegas, a de novo bank. 

- Granted, February 8, 2002 (AC) 

Chicago 

Capitol Bancorp, Ltd., Lansing, Michigan; Sun Community Bancorp Limited, Phoenix, 

Arizona; and First California Northern Bancorp, Napa, California -- extension to May 9, 

2002, to acquire shares of Napa Community Bank, a de novo bank. 

- Granted, February 8, 2002 (AC) 

New York 

Community Bank of Bergen County, Maywood, New Jersey -- extension to June 30, 

2002, to establish a branch at 12-79 River Road, Fair Lawn. 

- Granted, February 13, 2002 

Kansas City 

International Brotherhood of Boilermakers, Iron Ship Builders, Blacksmiths, Forgers & 

Helpers, Kansas City, Kansas -- extension to March 19, 2003, to increase its ownership 

in Brotherhood Bancshares, Inc. 

- Granted, February 14, 2002 

Chicago 

Iowa State Bank Holding Company, Des Moines, Iowa -- extension to May 15, 2002, 

to engage de novo in community development activities through its subsidiary, Capitol 

Partners, LC. 

- Granted, February 13, 2002 

(AC) = Addition or Correction Delegated - Page 5 of 6 
H.2 Actions under delegated authority February 10, 2002 to February 16, 2002 

Extensions Of Time 

Cleveland 

UNB Corp., Canton, Ohio -- extension to May 15, 2002, to acquire BancFirst Ohio 

Corp., Zanesville. 

- Granted, February 15, 2002 

International Operations 

Director, BS&R 

Israel Discount Bank of New York, New York, New York -- request for an exemption 

from section 23A of the Federal Reserve Act to acquire assets of the Miami agency of 

Israel Discount Bank Limited, Tel Aviv, Israel. 

- Granted, February 14, 2002 

Chicago 

Midwest Bank and Trust Company, Elmwood Park, Illinois -- to establish MBTC 

Investment Company I as an Agreement corporation, and for it to invest in MBTC 

Investment Company II. 

- Withdrawn, February 14, 2002 

Membership 

San Francisco 

Bank of Hawaii, Honolulu, Hawaii -- membership in the Federal Reserve System. 

- Approved, February 12, 2002 

San Francisco 

Six Rivers Bank, Eureka, California -- membership in the Federal Reserve System. 

- Approved, February 12, 2002 

(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, February 16, 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 

Newspaper - 03/01/2002 

Fed Reg - 01/29/2002 

3(a)(1) South Coastal Holdings MHC, Inc., Rockland, Massachusetts -

application to become a mutual bank holding company through 

the acquisition of South Coastal Bank, Rockland, Massachusetts 

Newspaper - N/A Fed 

Reg - N/A 

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 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch HSBC Republic International Bank (Miami), Miami, Florida, to 

establish a branch in Aventura, Florida. * 

Newspaper – 03/01/02 

Branch Mizuho Corporate Bank, Ltd., Tokyo, to establish a branch at 

1251 Avenue of the Americas, New York, New York. * 

Newspaper – 02/22/02 

* 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. 

Newspaper – 03/01/2002 

Fed Reg – 03/01/2002 

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 – 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 Second Quarter of 2002 

Institution Location 

Manufacturers and Traders Trust Company One M&T Plaza, Buffalo, NY 14240 

Banco Popular de Puerto Rico P.O. Box 2708, San Juan, PR 00936-2708 

Bank of Millbrook Franklin Avenue, Box AF, Millbrook, NY 12545 

United States Trust Company 114 West 47th Street, New York, NY 10036 
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, February 16, 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 

3(a)(1) Caixa Geral de Depositos, SA, Lisbon, Portugal ("Caixa) Newspaper: N/Avail Fed. 

and CGD USA Holding Company, Inc., NewYork City, Reg.: 03/15/2002 

NY, a subsidiary of Caixa, to become bank holding 

companies through the acquisition of 51% of the voting 

shares of Crown Bank, National Association, Ocean City, 

NJ. 

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 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

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

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

National Bank of Norwalk, Norwalk, OH and, incident thereto, 

establish branch facilities.* 

* 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 Received notice of change in bank control from Messrs. John W. Newspaper – N/Avail Fed 

Straker, Bonita Springs, FL and Mr. John W. Straker, Jr., Reg – 02/14/2002 

Granville, OH on 01/23/2002 of their intent to retain 

approximately 11.5% of the outstanding votings shares of 

BancFirst Ohio Corp., Zanesville, OH 

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 

887827 The Hamler State Bank 12/17/2001 02/12/2002 S X 

210 Randolph Street 

Hamler, OH 43524 

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, February 16, 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 C. Edward Floyd to increase ownership to 14.83% Fed Reg - N/Avail 

in Sun BankShares, Murrells Inlet, South Carolina.* Newspaper - 03/11/2002 

*Subject to the provisions of the Community Reinvestment Act. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, February 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

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

located within the Albertson’s Grocery Store at the intersection 

of South Lindsey Road and East Warner Road, Gilbert, Arizona. 

02/20/2002*

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

located within the Albertson’s Grocery Store at the intersection 

of West Carefree Highway and I-17, Phoenix, Alabama. 

02/20/2002*

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

located at 210 South Royal Oaks Boulevard, Franklin, 

Tennessee, to be known as the Royal Oaks Boulevard Branch. 

02/13/2002*

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

located at 4240 West Kennedy Boulevard, Tampa, Florida, to be 

known as the West Kennedy Branch. 

02/13/2002*

*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 

3(a)(3) Marion County Bancshares, Inc., Hamilton, Alabama, to acquire 

Triangle Bancorporation, Carbon Hill, Alabama, and thereby 

acquire its subsidiaries, Bank of Carbon Hill, Carbon Hill, 

Alabama, Bank of Berry, Berry, Alabama, and Bank of Parrish, 

Parrish, Alabama. 

Fed Reg – 01/14/2002* 

CIC Citizens Bancorporation, Inc., Plaquemine, Louisiana, prior 

change in control notice by Mr. Edward B. Middleton to acquire 

an additional 11.43 percent of the outstanding shares of Citizens 

Bancorporation, Inc., and its subsidiary, Citizens Bank and Trust 

Company, both of Plaquemine, Louisiana. Total ownership will 

equal 16.54. 

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

Ending date of 

Type Application comment period 

3(a)(1) Coastal Community Investments, Inc., Panama City Beach, 01/09/2002* 

Florida, to acquire Apalachicola State Banking Corporation, and 

thereby indirectly acquire Apalachicola State Bank, both of 

Apalachicola, Florida. 

*Subject to 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 

24A Tennessee State Bank, Pigeon Forge, Tennessee, request for 

increase in bank premises. 

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 Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

1390342 Fifth Third Bank of Florida 03/05/2001 02/06/2002 S X 

4099 Tamiami Trail North 

Naples, Florida 34103 

(941) 430-5353 

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 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

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.* 

18(c) & Branches M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, to merge 

with Richfield Bank & Trust Co., Richfield, Minnesota and 

thereby to establish 21 branches.* 

18(c) & Branches M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, to merge 

with Century Bank, National Association, Eden Prairie, 

Minnesota and thereby to establish branches at 11455 Viking 

Drive, Eden Prairie, Minnesota, 575 Wayzata Boulevard, St. 

Lois Park, Minnesota and 3500 129th Avenue NW, Coon 

Rapids, Minnesota.* 

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 – N/Avail 

Newspaper – N/Avail 

Newspaper – N/Avail 

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)(5) First Merchants Corporation, Muncie, Indiana, for prior Fed Reg – 02/11/2002 

approval to acquire 100 percent of the voting shares of Lafayette Newspaper – 02/14/2002 

Bancorporation, Lafayette, Indiana and thereby indirectly 

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

Fed Reg – 02/25/2002 

Newspaper – 02/18/2002 

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.* 

Fed Reg – 03/05/2002 

Newspaper – 03/02/2002 

3(a)(1) SBN Community Bancorp, Inc., Newburg, Wisconsin, to 

become a bank holding company by acquiring 100 percent of 

State Bank of Newburg, Newburg, Wisconsin.* 

Fed Reg – N/Avail 

Newspaper – N/Avail 

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

32.67 percent of Stockbridge Bancorporation, Inc., Stockbridge, 

Michigan. 

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 LSB Holding Company, Livingston, Wisconsin, to become a 

bank holding company by acquiring 100 percent of Livingston 

State Bank, Livingston, Wisconsin. 

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

Type Application 

Reg. K Midwest Bank and Trust Company, Elmwood Park, Illinois, to 

establish MBTC Investment Company I as an Agreement 

corporation and for the investment by MBTC Investment 

Company I in 100% of the stock of MBTC Investment Company 

II, a corporation to be organized under the laws of Bermuda. 

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 

469849 Midwest Bank of McHenry County 09/10/2001 02/13/2002 S X 

17622 Depot Street 

Union, Illinois 60180 

(815) 923-4585 

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, February 16, 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 

3(a)(3) First Staunton Bancshares, Inc., Staunton, Illinois, to acquire 

100 percent of Hamel Bancorp, Inc., Hamel, Illinois, and 

thereby indirectly acquire Hamel State Bank, Hamel, Illinois.* 

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.* (Previously submitted 

during the week ending February 9, 2002) 

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

Bancshares, Inc., Scottsburg, Indiana. (Previously submitted 

during the week ending February 9, 2002) 

Newspaper – N/Avail Fed 

Reg – 03/15/2002 

Newspaper – 03/10/2002 

Fed Reg – 03/14/2002 

Newspaper – 03/08/2002 

Fed Reg – 02/28/2002 

* 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 

4(c)(8) Allegiant Bancorp, Inc., St. Louis, Missouri, to engage in Fed Reg – N/Avail 

community development activities. 
Section IV – Applications not subject to Federal Register or newspaper notice 

Type Application 

None 

Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, February 16, 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 

3(a)(1) Marshall Bancorp, Inc., Minneapolis, Minnesota, to become a 

bank holding company by acquiring 100% of Norkitt Bancorp, 

Inc., Hallock, Minnesota, and thereby indirectly acquiring 

Northwestern State Bank of Hallock, Hallock, Minnesota.* 

Fed Reg – 03/18/2002 

Newspaper – 03/22/2002 

3(a)(1) Plato Holdings, Inc., St. Paul, Minnesota, to become a bank 

holding company by acquiring 100% of Drake Bank, St. Paul, 

Minnesota, a de novo bank.* 

Fed Reg – 03/05/2002 

Newspaper – 03/07/2002 

*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 

Commitment Kandi Bancshares, Inc., New London, Minnesota, requests relief 

from a commitment. 
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 

827458 Dakota Western Bank, 

Bowman, North Dakota 

10/29/2001 02/13/2002 S X

619457 Flint Creek Valley Bank, 

Philipsburg, Montana 

10/16/2001 02/14/2002 S X

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, February 16, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) American Heritage Bank, Sapulpa, Oklahoma, for prior approval Newspaper – 03/15/2002 

to merge with First Bank of Cleveland, Cleveland, Oklahoma 

and to operate under the charter and title of American Heritage 

Bank, Sapulpa, Oklahoma. 

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

Ending date of 

Type Application comment period 

CIC Paul J. Thompson, Leawood, Kansas; Mark C. Thompson, 

Kansas City, Missouri; and Timothy J. Thompson, Fairway, 

Kansas, as trustees of a voting trust, to acquire control of CCB 

Corporation, Kansas City, Missouri, parent of Country Club 

Bank, N.A., Prairie Village, Kansas, and to acquire 37 percent of 

the voting shares of Acquisition Corporation, Leawood, Kansas, 

parent of MidAmerican Bank & Trust Company, N.A., 

Leavenworth, Kansas. 

CIC John F. Kingsbury and Myra A. Kingsbury, Ponca, Nebraska; 

Lovice M. Sprugel, Liberty, Missouri, trustee of Lovice M. 

Sprugel Trust;and John E. Sprugel, Liberty, Missouri, trustee of 

John E. Sprugel Trust, to acquire control of Kingsbury BDC 

Financial Services, Inc., Ponca, Nebraska, parent of The Bank of 

Dixon County, Ponca, Nebraska. 

CIC Notice by Blair Lauritzen Gogel, Mission Hills, Kansas, and 

Clarkson Davis Lauritzen, Boston, Massachusetts, to acquire 

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

the Sibley State Bank, Sibley, Iowa. 

CIC Forest Levan Kelly, as general partner of LBK Holdings, L.P., 

Bristow, Oklahoma, and as trustee of the Allison Asbury Kelly 

Children's Trust, the Dorcas B. Kelly Trust, and the Kelly 

Family Foundation, all of Bristow, Oklahoma; to retain voting 

shares of Spirt BankCorp, Inc., Bristow, Oklahoma, parent of 

Spirit Bank, Tulsa, Oklahoma. 

Newspaper – N/Available 

Fed Reg – 03/04/2002 

Newspaper – 01/20/2002 

Fed Reg – 01/25/2002 

Newspaper – 02/26/2002 

Fed Reg – 02/28/2002 

Newspaper – 03/05/2002 

Fed Reg – 02/22/2002 
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 

4(c)(8) The Exchange Bankshares Corporation, Atchison, Kansas, for 

prior approval to engage in lending activities. 

Section V – Availability of CRA public evaluations 

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

of the communities in which they operate, 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 16, 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 

3(a)(3) First Community Capital Corporation, Houston, TX, to acquire Fed Reg – 03/15/2002 

The Express Bank, Houston, TX* (previously reported the week Newspaper – 03/09/2002 

ending February 9, 2002) 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Second Quarter of 2002 

Institution Location 

Comerica Bank 

989253 

Community Bank 

268257 

First Bank 

239659 

Western Bank 

723653 

1508 West Mockingbird 

Dallas, Texas 75235 

500 South Morgan 

Granbury, Texas 76048 

300 East 3rd St. 

Burkburnett, Texas 76235 

140 East Motel Ave. 

Lordsburg, New Mexico 88045 

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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, February 16, 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 

3(a)(3) Wells Fargo & Company, San Francisco, California, to acquire 

100 percent of Tejas Bancshares, Inc., Amarillo, Texas, and 

thereby indirectly acquire Tejas Force, Inc.,Wilmington, 

Delaware, and The First National Bank of Amarillo, Amarillo, 

Texas.* 

3(a)(1) HomeTown Financial Services, Inc., to become a bank holding 

company by acquiring HomeTown National Bank, both of 

Longview, Washington.* 

Newspaper – 3/14/2002 

Fed Reg. – 3/15/2002 

Newspaper – 3/01/2002 

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 

2912367 1st Pacific Bank of California 10/22/2001 02/15/2002 S X 

7728 Regents Road, Suite 503 

San Diego, CA 92122 

(858) 677-7860 

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

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

for errors or omissions. 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None