H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 20 

Week Ending May 14, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions May 8, 2005 to May 14, 2005 

Testimony And Statements 

The Basel II Accord and H.R. 1226 -- statement by Governor Bies before the 

Subcommittee on Domestic and International Monetary Policy, Trade, and 

Technology and the Subcommittee on Financial Institutions and Consumer Credit 

of the House Committee on Financial Services. 

- Published, May 11, 2005 

Enforcement 

American National Bank, Wichita Falls, Texas -- final decision and order of 

prohibition against Donald K. McKinney, a former vice president. 

- Approved, May 10, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority May 8, 2005 to May 14, 2005 

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

C&CA Consumer and Community Affairs IF International Finance 

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

Bank Branches, Domestic 

Atlanta 

1st United Bank, Boca Raton, Florida -- to establish a branch at 300 West Broward 

Boulevard, Ft. Lauderdale. 

- Approved, May 9, 2005 

St. Louis 

The Bank of Fayette County, Moscow, Tennessee -- to establish a branch at 3155 

Highway 64, Eads. 

- Approved, May 11, 2005 

Secretary 

The F&M Bank and Trust Company, Tulsa, Oklahoma -- to establish a branch in 

Dallas, Texas. 

- Approved, May 10, 2005 

San Francisco 

Frontier Bank, Everett, Washington -- to establish a branch at Lynden Town Plaza 

Shopping Center, 8110 Guide Meridian, Lynden. 

- Approved, May 13, 2005 

San Francisco 

Frontier Bank, Everett, Washington -- to establish a branch at 617 South Third 

Street, Suite B, Renton. 

- Approved, May 13, 2005 

Chicago 

Johnson Bank, Racine, Wisconsin -- to establish a branch at 3001 West Rawson 

Avenue, Franklin. 

- Approved, May 13, 2005 

Chicago 

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish a branch at 

4252 Southtowne Drive, Eau Claire. 

- Approved, May 13, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 7 
H.2 Actions under delegated authority May 8, 2005 to May 14, 2005 

Bank Branches, Domestic 

Chicago 

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

Janesville and Moorland Roads, Muskego; 859 East Green Bay Road, Saukville; 

2955 East Chandler Heights Road, Chandler, Arizona; and Kenwood Terrace and 

Kenrick Avenue, Lakeville, Minnesota. 

- Approved, May 13, 2005 

Atlanta 

Pilot Bank, Tampa, Florida -- to establish a branch at 439 South Florida Avenue, 

Lakeland. 

- Approved, May 11, 2005 

Richmond 

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 1640 

Buford Highway, Cumming, Georgia. 

- Approved, May 10, 2005 

Richmond 

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 3350 

Braselton Highway, Dacula, Georgia. 

- Approved, May 10, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 14100 Whitney Road, 

Gainesville, Virginia. 

- Approved, May 11, 2005 

Richmond 

Union Bank and Trust Company, Bowling Green, Virginia -- to establish a branch 

at 13700 Midlothian Turnpike, Midlothian. 

- Approved, May 11, 2005 

Bank Holding Companies 

Chicago 

Family Merchants Bancorporation, Inc., Cedar Rapids, Iowa -- to become a bank 

holding company and to acquire Family Merchants Bank, a de novo bank. 

- Approved, May 13, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 7 
H.2 Actions under delegated authority May 8, 2005 to May 14, 2005 

Bank Holding Companies 

Chicago 

First National Bancshares, Inc., East Lansing, Michigan -- to retain its interest in 

Equifunding, Inc. and thereby engage in acquiring debt in default. 

- Approved, May 11, 2005 

Chicago 

First Suburban Bancorp Corporation, Maywood, Illinois -- to acquire Water Street 

Capital Markets LLC, Glendale Heights, and thereby engage in securities brokerage 

activities. 

- Approved, May 12, 2005 

Atlanta 

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

Savings, Winona, Mississippi, and thereby engage in operating a savings 

association; and to retain ownership of Central Bank for Savings on its conversion 

to a state chartered bank to be known as FirstBank and Trust of Mississippi. 

- Approved, May 12, 2005 

Atlanta 

Georgia Banking Company, Inc., Atlanta, Georgia -- relief from a commitment. 

- Granted, May 12, 2005 

St. Louis 

Ozarks Legacy Community Financial, Inc., Thayer, Missouri -- to become a bank 

holding company and to acquire at least 91.3 percent of the shares of Bank of 

Thayer. 

- Approved, May 9, 2005 

Richmond 

Premier Community Bankshares, Inc., Winchester, Virginia -- to acquire Premier 

Bank, Martinsburg, West Virginia. 

- Approved, May 9, 2005 

Minneapolis 

Rum River Bancorporation, Inc., Milaca, Minnesota -- to become a bank holding 

company and to acquire First National Bank of Milaca. 

- Approved, May 11, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 7 
H.2 Actions under delegated authority May 8, 2005 to May 14, 2005 

Bank Holding Companies 

Atlanta 

Security Bank Corporation, Macon, Georgia -- to acquire SouthBank, Woodstock. 

- Approved, May 9, 2005 

Kansas City 

Signature Bancshares, Inc., Olathe, Kansas, and Signature Acquisition Company, 

Inc. -- to become bank holding companies and to acquire Citizens Agency, Inc., 

Haddam, parent of Frontier Bank, and elections to become financial holding 

companies. 

- Approved, May 13, 2005 

Dallas 

Texas Brand Bancshares, Inc., Garland, Texas, and TBB Delaware, Inc., 

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

Brand Bank, Garland, Texas. 

- Approved, May 11, 2005 

Bank Mergers 

Cleveland 

Community Trust Bancorp, Inc., Pikeville, Kentucky -- to acquire Heritage 

Community Bank, Danville. 

- Approved, May 12, 2005 

Banks, Nonmember, And Miscellaneous Institutions 

Director, BS&R 

NYCE Corporation, Woodcliff Lake, New Jersey -- relief from certain 

commitments. 

- Granted, May 9, 2005 

Banks, State Member 

Director, BS&R 

Western Reserve Bank, Medina, Ohio -- transfer agent registration. 

- Approved, May 11, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 7 
H.2 Actions under delegated authority May 8, 2005 to May 14, 2005 

Change In Bank Control 

Kansas City 

ColoEast Bankshares, Inc., Lamar, Colorado -- to retain control of ColoEast 

Bankshares, Inc., parent of Colorado East Bank & Trust, Lamar, and First National 

Bank of Tribune, Tribune, Kansas. 

- Permitted, May 13, 2005 

St. Louis 

First Eldorado Bancshares, Inc., Eldorado, Illinois -- change in bank control. 

- Permitted, May 11, 2005 

Competitive Factors Reports 

Dallas 

American National Bank, Wichita Falls, Texas -- report on competitive factors of 

the proposed acquisition of a branch of Guaranty Bank, FSB, Austin, to be located 

in Wichita Falls. 

- Submitted, May 9, 2005 

Atlanta 

CNLBank, First Coast, Jacksonville, Florida -- report on competitive factors of the 

proposed purchase of a branch of CNLBank, Orlando. 

- Submitted, May 11, 2005 

Minneapolis 

Commercial Bank of Mott, Mott, North Dakota -- report on competitive factors of 

the proposed merger with Mott Bankshares, Inc. 

- Submitted, May 9, 2005 

St. Louis 

First Bank and Trust Company of Princeton, Princeton, Kentucky -- report on 

competitive factors of the proposed merger with South Central Bancshares, Inc., 

Russellville. 

- Submitted, May 11, 2005 

Chicago 

First Citizens State Bank, Whitewater, Wisconsin -- report on competitive factors of 

the proposed merger with Whitewater Investments, Inc. 

- Submitted, May 10, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 7 
H.2 Actions under delegated authority May 8, 2005 to May 14, 2005 

Competitive Factors Reports 

Chicago 

First Federal Savings and Loan Association of Mattoon, Mattoon, Illinois -- report 

on competitive factors of the proposed reorganization to become a mutual holding 

company. 

- Submitted, May 10, 2005 

Atlanta 

First Tennessee Bank National Association Memphis, Memphis, Tennessee --

report on competitive factors of the proposed merger with First National Bank West 

Metro, Dallas, Georgia. 

- Submitted, May 12, 2005 

Chicago 

Harvard Savings Bank, Harvard, Illinois -- report on competitive factors of the 

proposed merger with Harvard Savings Interim Bank II. 

- Submitted, May 10, 2005 

Chicago 

Mutual Federal Savings Bank of Muncie, Muncie, Indiana -- report on competitive 

factors of the proposed merger with Fidelity Federal Savings Bank, Marion. 

- Submitted, May 10, 2005 

Boston 

NewAlliance Bank, New Haven, Connecticut -- report on competitive factors of the 

proposed acquisition by merger of Trust Company of Connecticut, Hartford. 

- Submitted, May 11, 2005 

Atlanta 

Omni National Bank, Fayetteville, North Carolina -- report on competitive factors 

of the proposed merger with Omni Interim, N.A., formerly known as Georgia 

Community Bank, Dalton, Georgia. 

- Submitted, May 9, 2005 

Chicago 

Ottawa Savings Bank, Ottawa, Illinois -- report on competitive factors of the 

proposed merger with Ottawa Interim Federal Savings Bank. 

- Submitted, May 10, 2005 

(AC) = Addition or Correction Delegated - Page 6 of 7 
H.2 Actions under delegated authority May 8, 2005 to May 14, 2005 

Competitive Factors Reports 

Chicago 

Palmyra State Bank, Palmyra, Wisconsin -- report on competitive factors of the 

proposed merger with Palmyra Investments, Inc. 

- Submitted, May 10, 2005 

Extensions Of Time 

Secretary 

Citigroup Inc., New York, New York -- extensions of time for its subsidiary, Banco 

Nacional de Mexico, S.A., Mexico City, Mexico, to divest its interests in certain 

assets acquired in settlement of debts previously contracted. 

- Granted, May 12, 2005 

Dallas 

First National Bank Group, Inc., Edinburg, Texas -- extension to August 10, 2005, 

to acquire 14.99 percent of the shares of Alamo Corporation of Texas, Alamo, and 

thereby acquire Alamo Corporation of Delaware, Wilmington, Delaware, and 

Alamo Bank of Texas, Alamo. 

- Granted, May 12, 2005 

Chicago 

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to August 27, 

2005, to establish branches at Wisconsin Dells Parkway and Meadowview, Lake 

Delton; Crismon and Baseline Roads, Mesa, Arizona; 21479 South Ellsworth Road, 

Queen Creek; Scottsdale and Deer Valley Roads, Scottsdale; First Avenue and 

Oracle Road, Oro Valley; and 16890 West Bell Road, Surprise. 

- Granted, May 9, 2005 

(AC) = Addition or Correction Delegated - Page 7 of 7 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, May 14, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) First Brandon Financial Corporation, Brandon, Vermont - to 

become a bank holding company through the acquisition of 

100% of the outstanding shares of First Brandon National Bank, 

Brandon, Vermont

Newspaper – 06/03/2005

Fed Reg – 06/06/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, May 14, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Banco Latinoamericano De Exportaciones, S.A., Panama 

City, Panama, to establish a representative office in Miami, 

Florida

Newspaper – 05/31/2005

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

Type Application

Ending date of

comment period

* 3A3 Hudson Valley Holding Corp., Yonkers, New York, 

proposes to acquire 100 percent of New York National 

Bank, Bronx, New York.

Newspaper – 05/18/2005

Fed Reg – 05/24/2005

* 3A1 Treetops Acquisition Group LP, Treetops Acquisition 

Group II LP, Treetops Acquisition Group Ltd., Treetops 

Acquisition Group II Ltd., CAM Discount Ltd. and the 

Edgar M. Bronfman Trusts A, B, C, D, E, F and G, all of 

New York, New York, (the “Application”) for prior 

approval of the Board of Governors of the Federal Reserve 

System (the “Board”), pursuant to Section 3(a)(1) of the 

Bank Holding Company Act of 1956, as amended, to 

become bank holding companies through the acquisition of 

up to fifty-one percent of the outstanding shares of Israel 

Discount Bank, Ltd., Te l Aviv, Israel, and thereby acquire 

Discount Bancorp, New York, New York and its New 

York State-chartered bank, Israel Discount Bank of New 

York, New York, New York.

Newspaper – N/Avail

Fed Reg – 05/13/2005

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

Type Application

Ending date of

comment period

4(c)(8) NSB Holding Corp, Staten Island, request prior approval 

to engage de novo through its subsidiary Check Depot 

Inc., Staten Island, New York, in the issance of money 

order activities.

Fed Reg – 06/02/2005

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

214807 Deutsche BK TC Americas, NY, NY 11/15/2004 05/02/2005 O X

703310 Sleepy Hollow BK, Sleepy Hollow, 

NY

07/26/2004 01/31/2005 S X
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, May 14, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(3) Univest Corporation Pennsylvania, Souderton, PA, to retain

8.53% ownership of the outstanding stock of New Century

Bank, Phoenixville, PA.

Newspaper – 05/08/2005

Fed Reg – 05/16/2005

CIC The Willits Family Partnership, Malvern, PA and its general

partner, the Willits Family Trust, Malvern, PA, and its trustees

Barbara Willits Shipp, Lydia Willits Bartholomew, William

L.W. Shipp and Jamie Bartholomew, all of West Chester, PA, 

to purchase the outstanding stock of Malvern Bank Corporation,

Malvern, PA.

Newspaper – 05/31/2005

Fed Reg – 05/25/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for 3rd Quarter of 2005

Institution Location

AmeriServ Financial Bank Johnstown, PA

East Penn Bank Emmaus, PA

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 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, May 14, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

facility at 3957 West 26th Street, Chicago, IL

Newspaper – 05/26/2005

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

facility at 3936 West Riverside Boulevard, Rockford, IL

Newspaper – 05/26/2005

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

facility at 510 Metropolitan Way, Des Plains, IL

Newspaper – 05/26/2005

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

facility at 16732 West 159th Street, Lockport, IL

Newspaper – 05/26/2005

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

facility at 444 Veteran's Parkway, Yorkville, IL

Newspaper – 05/26/2005

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

facility at 454 East Rollins Road, Round Lake Beach, IL

Newspaper – 05/26/2005

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

facility at Southwest Corner of Garland and Randolph, Chicago, 

IL

Newspaper – 05/26/2005

*Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

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, May 14, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) NBRS Financial, Rising Sun, Maryland, to purchase certain 

assets and assume certain deposit liabilities of the Penn Hills, 

Pennsylvania, branch office of Susquehanna Bank PA, Lititz,

Pennsylvania.*

Newspaper – N/Avail

Branch Chesapeake Bank, Kilmarnock, Virginia , to establish a branch 

at 5700 Williamsburg Landing Drive, Williamsburg, Virginia.*

Newspaper – 05/20/2005

Branch Rockingham Heritage Bank, Harrisonburg, Virginia, to establish 

a branch at 624 Chicago Avenue, Harrisonburg, Virginia.*

Newspaper – 05/26/2005

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(5) Capital One Financial Corporation, McLean, Virginia, to acquire 

100% of the voting shares of Hibernia Corporation, New 

Orleans, Louisiana , and thereby indirectly acquire Hibernia 

National Bank, New Orleans, Louisiana.*

Fed Reg – 06/03/2005

Newspaper – N/Avail

CIC Notice of Change in Control filed by Raymond T. Arnold, South 

Hill, Virginia, individually and together with the following 

members of his immediately family: Janice B. Arnold; Julie 

Arnold Witten; Darren Whitten; Sheri Arnold Sparkman; and 

Michael R. Sparman to control 10.40% and 15.90%, 

respectively, of the voting shares of Citizens Community Bank, 

South Hill, Virginia.*

Fed Reg – 05/31/2005

Newspaper – 06/08/2005

CIC Notice of Change in Control filed by James R. Camp, Joseph C. 

Camp, and Margaret A. Sterbutzel, to retain 91.03% of the 

voting shares of Morgantown Bancshares, Inc., Morgantown, 

West Virginia.*

Fed Reg – 05/31/2005

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

None

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

Type Application

25A Capital One Bank (Europe) plc, London, England, to make a 

series of investments over a period of six years in Capital One 

Overseas Limited, Georgetown, Cayman Islands.

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

365325 United Bank

1185 Main Street

Fairfax, Virginia 22030

10/18/2004 05/10/2005 S X

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, May 14, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Bank of Alabama, Birmingham, Alabama, to merge with United 

Bank of the Gulf Coast, Sarasota, Florida.*

Newspaper – 06/13/2005

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

located at 5000 Arizona Mills Circle, Tempe, Arizona, to be 

known as the Tempe-Arizona Mills Branch.*

Newspaper – 05/20/2005

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

located at the intersection of Murphy Road and Highway 6, 

Houston, Texas.*

Newspaper – 05/24/2005

Branch LandMark Bank of Florida, to establish a branch located at 8444 

South Tamiami Trail, Sarasota, Florida.*

Newspaper – 05/20/2005

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

523 Ridge Road, Lantana, Florida, to be known as the Lantana 

Office.*

Newspaper – 05/21/2005

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

9863 Lake Worth Road, Lake Worth, Florida, to be known as 

the Wycliffe Office.*

Newspaper – 05/21/2005

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) GB Bank Group, Inc., Glennville, Georgia, to become a bank 

holding company by acquiring 100 percent of the outstanding 

shares of Glennville Bank, Glennville, Georgia.*

Newspaper – N/Avail

Fed Reg – 06/10/2005

3(a)(5) GB Bank Group, Inc., Glennville, Georgia, to merge with 

Tippins Bancshares, Inc., and thereby acquire its subsidiary, 

Tippins Bank & Trust Company, both of Claxton, Georgia.*

Newspaper – N/Avail

Fed Reg – 06/10/2005

3(a)(1) Neighborhood Bank Corporation, Palatka, Florida, to become a 

bank holding company by acquiring 100 percent of the 

outstanding shares of Putnam State Bank, Palatka, Florida.*

Newspaper – 06/09/2005

Fed Reg – 06/03/2005
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) Tombigbee Bancshares, Inc., Sweet Water, Alabama, to become 

a bank holding company by acquiring Sweet Water State Bank, 

Sweet Water, Alabama.*

Newspaper – 05/28/2005

Fed Reg – 06/13/2005

CIC St. Landry Bancshares, Inc., Opelousas, Louisiana, prior change 

in control notice filed by Allen Tabor Tomlinson, Carrie

Tomlinson Weeks, Robert Sanders Tomlinson, Jr., and Marie 

Joy Poulet Tomlinson, all of Opelousas, Louisiana, to acquire an 

additional 0.92 percent of the outstanding shares of common 

stock of St. Landry Bancshares, Inc., and its subsidiary, St. 

Landry Bank & Trust Company, both of Opelousas, Louisiana. 

Total ownership will equal 42.88 percent.

Newspaper – 05/31/2005

Fed Reg – 06/02/2005

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

Federal bank 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, May 14, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18C & Branch Templeton Savings Bank, Templeton, Iowa, to purchase the 

assets and assume the liabilities of the Manning, Iowa branch 

office of American Interstate Bank, Elkhorn, Nebraska, and to 

establish a branch at 223 Main Street, Manning, Iowa.*

Newspaper – N/Avail

Branch Town Bank, Delafield, Wisconsin, to establish a branch facility 

to be located at 200 W. Summit Avenue, Wales, Wisconsin.*

Newspaper – 05/18/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Evans Bancshares, Inc., Evansdale, Iowa, to acquire 100 percent 

of First Resource Bank (in organization), Savage, Minnesota.*

Fed Reg – 05/27/2005

Newspaper – 06/05/2005

3(a)(3) First Busey Corporation, Urbana, Illinois, to acquire 100 percent 

of the voting shares of Tarpon Coast Bancorp, Inc., Port 

Charlotte, Florida, and thereby indirectly acquire Tarpon Coast 

National Bank, Port Charlotte, Florida.*

Fed Reg – 06/13/2005

Newspaper – 06/03/2005

CIC Notice by Terence P. Greenley, Sigourney, Iowa and Frances S. 

Fleck, Sigourney, Iowa (husband and wife) to gain control of 

Fountain View Bancorp., Inc., and thereby indirectly Keokuk 

County State Bank, Sigourney, Iowa.

Fed Reg – 05/20/2005

Newspaper – N/Avail

3(a)(1) North Star Financial Holdings, Inc., Bloomfield Hills, Michigan, 

to become a bank holding company by acquiring 100 percent of 

the voting shares of N Star Community Bank (in organization), 

Bingham Farms, Michigan.*

Fed Reg – 06/13/2005

Newspaper – 06/07/2005

3(a)(3) Peotone Bancorp, Inc., Peotone, Illinois, and Founders Group, 

Worth, Illinois, to acquire 100 percent of the voting shares of 

Vermilion Bancorp, Inc., Danville, Illinois, and thereby 

indirectly acquire American Savings Bank of Danville, Danville, 

Illinois.*

Fed Reg – 06/02/2005

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

Type Application

Ending date of

comment period

3(a)(5) PrivateBancorp, Inc., Chicago, Illinois, to acquire 100 percent of 

the voting shares of Bloomfield Hills Bancorp, Inc., Bloomfield 

Hills, Michigan, and thereby indirectly acquire The Private 

Bank, Bloomfield Hills, Michigan.*

Fed Reg – 05/28/2005

Newspaper – 05/26/2005

3(a)(1) Symphony Bancorp, Indianapolis, Indiana, to become a bank 

holding company by acquiring 100 percent of the voting shares 

of Symphony Bank (in organization), Indianapolis, Indiana.*

Fed Reg – 05/31/2005

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Membership N Star Community Bank (in organization), Bingham Farms, 

Michigan, 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.
Section V – Availability of CRA public evaluations

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, May 14, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3A3 First Horizon National Corporation, Memphis, Tennessee, to 

acquire 100 percent of United Bank and Trust Company, St. 

Petersburg, Florida.*

Newspaper – N/Avail

Fed Reg – N/Avail

CIC Notice by Larry D. Hellrung and Patricia A. Hellrung, both of 

Alton, Illinois, to retain control of Liberty Bancshares, Inc., 

Alton, Illinois.

Newspaper – 05/26/2005

Fed Reg – 05/31/2005

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

Section IV – Applications not subject to Federal Register or ne wspaper 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 Third Quarter of 2005

Institution Location

Pulaski Bank and Trust Company Little Rock, Arkansas

First State Bank of Red Bud Red Bud, Illinois 

Cass Commercial Bank Bridgeton, Missouri

Southwest Bank of St. Louis St. Louis, Missouri

Truman Bank St. Louis, Missouri

Peoples Bank & Trust Company Troy, Missouri

Gates Banking and Trust Company Gates, Tennessee

Bank of Halls Halls, Tennessee

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 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, May 14, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Severson Family Limited Partnership, Apple Valley, Minnesota, 

and Larry S. Severson, Lakeville, Minnesota as general partner, 

to become part of a group acting in concert, and thereby acquire 

control of Financial Services of St. Croix Falls, St. Croix Falls, 

Wisconsin.

Fed Reg – 05/23/2005

Newspaper – N/Avail

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for 3rd Quarter of 2005 (July 1, 2005 to September 30, 2005)

Institution Location

Welcome State Bank Welcome, Minnesota

Pioneer Bank Mapleton, Minnesota

Pioneer Bank & Trust Belle Fourche, South Dakota

Farmers State Bank of West Concord West Concord, Minnesota

BANKFIRST Sioux Falls, South Dakota

Citizens Bank & Trust Big Timber, Montana

Profinium Financial, Inc. Truman, Minnesota

Heartland State Bank Edgeley, North Dakota

Farmers State Bank Faith, South Dakota

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.

Examinations may have to be rescheduled during the calendar quarter in which they are designated to begin. If 

an institution’s examination is rescheduled for a date later than the end of the date range reflected in a published 

schedule, the institution’s name will be republished in an appropriate later listing. Any comments received, as a 

result of either the first publication or subsequent publications will be considered during the examination. 

Written comments regarding the CRA performance of these institutions should be directed to Mr. James A. 

Colwell at the Federal Reserve Bank of Minneapolis, Division of Supervision, Regulation, and Credit, P. O. Box 

291, Minneapolis, Minnesota 55480-0291.
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, May 14, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Colorado Community Bank, Yuma, Colorado, to establish a 

branch at 3650 35th Avenue, Evans, Colorado.

Newspaper – 05/28/2005

Branch Bank at Broadmoor, Colorado Springs, Colorado, to establish a 

mobile branch at 155 Lake Avenue, Colorado Springs, 

Colorado.

Newspaper – 05/16/2005

Branch Community Banks of Colorado, Greenwood Village, Colorado, 

to establish a branch at 0070 Benchmark Road, Suite 101, Avon, 

Colorado.

Newspaper – 05/28/2005

Branch Community Banks of Colorado, Greenwood Village, Colorado, 

to establish a branch at 848 East 2nd Avenue, Durango, 

Colorado.

Newspaper – 05/25/2005

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

Type Application

Ending date of

comment period

CIC Notification by Hugh F. Wilkins and Gertrude Schneider, both 

of Geneva, Nebraska; Thomas S. Wilkins, Riverside, Illinois; 

Richard Buse, Charlotte Buse, May Jo Nitsch, and Richard 

Schneider, all of Omaha, Nebraska; and Robert C. Schneider, 

Phoenix, Arizona; to acquire control of Fairmont Farmers State 

Company, Fairmont, Nebraska, parent of Farmers State Bank, 

Fairmont, Nebraska.

Newspaper – 05/24/2005

Fed Reg – 06/01/2005

CIC Notification by Willard L. Frickey, Las Vegas, Nevada; Bradley 

K. Frickey, Brian K. Frickey and Tracy R. Hudson, all of Ellis, 

Kansas; and Trever L. Frickey, Kansas City, Missouri, to 

acquire control of Hanston Insurance Agency, Inc., parent of 

Hanston State Bank, both of Hanston, Kansas.

Newspaper – 06/06/2005

Fed Reg – 05/23/2005
Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

Reduction in 

Permanent Capital

Pioneer Bank and Trust, Ponca City, Oklahoma, to redeem 

14,157 shares of its own voting common stock.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, May 14, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) TCB Holding Company, The Woodlands, Texas, to become a 

bank holding company by acquiring 100 percent of Texas 

Community Bank, N.A., The Woodlands, Texas.*

Newspaper – N/Avail

Fed Reg – 06/07/2005

* Subject to the provision 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 Third Quarter of 2005

Institution Location

Texas State Bank

1017658

3900 N 10th Street

McAllen, Texas 78501

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, May 14, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Frontier Bank, Everett, Washington, to establish a branch 

facility at 617 S Third Street, Suite B, Renton, Washington.*

Newspaper – 05/06/2005

Branch Frontier Bank, Everett, Washington, to establish a branch 

facility to be located at Lynden Town Plaza Shopping Center, 

8110 Guide Meridian, Suite A, Lynden, Washington.*

Newspaper – 05/06/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) Sterling Financial Corporation, Spokane, Washington, to 

become a bank holding company by acquiring 100 percent of 

Sterling Savings Bank, Spokane, Washington .*

Newspaper – N/Avail

Fed Reg – 06/09/2005

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for 3rd Quarter of 2005

Institution Location

Bank of the Orient San Francisco, California

Bank of Whitman Colfax, Washington

Nara Bank Los Angeles, California

Silicon Valley Bank Santa Clara, California

Vintage Bank, The Napa, California