Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 1 

Week Ending January 5, 2002 

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 30, 2001 to January 5, 2002 

Regulations And Policies 

Retail Swaps -- interagency report to Congress. 

- Approved, December 17, 2001 (AC) 

Enforcement 

First State Bank of Warner, Warner, South Dakota -- written agreement dated 

December 11, 2001, with the Federal Reserve Bank of Minneapolis and the South 

Dakota Division of Banking. 

- Announced, December 28, 2001 (AC) 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority December 30, 2001 to January 5, 2002 

BS&R 

C&CA 

FOMC 

Banking Supervision and Regulation 

Consumer and Community Affairs 

Federal Open Market Committee 

RBOPS 

IF 

OSDM 

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

Bank Branches, Domestic 

Philadelphia 

AmeriServ Financial Bank, Johnstown, Pennsylvania -- to establish a branch at 87 Logan 

Boulevard, Altoona. 

- Approved, January 4, 2002 

Kansas City 

Bank of Commerce, Chelsea, Oklahoma -- to establish a branch at 11121 East 41st 

Street, Tulsa. 

- Approved, January 4, 2002 

Chicago 

Comerica Bank, Detroit, Michigan -- to establish a branch at 6634 Allen Road, Allen 

Park. 

- Approved, December 31, 2001 

Kansas City 

Community Banks of Southern Colorado, Rocky Ford, Colorado -- to establish a branch 

at First and Main Streets, Pueblo. 

- Approved, January 3, 2002 

Atlanta 

Covington County Bank, Andualusia, Alabama -- to establish a branch at 609 Florala 

Highway, Opp. 

- Approved, January 3, 2002 

Chicago 

First Bank of Berne, Berne, Indiana -- to establish a branch at 304 W. Monroe Street, 

Decatur. 

- Approved, January 4, 2002 

Richmond 

Frederick County Bank, Frederick, Maryland -- to operate a mobile branch by providing 

a courier service to pick up customers' noncash deposits in Frederick County. 

- Approved, January 3, 2002 

(AC) = Addition or Correction Delegated - Page 1 of 5 
H.2 Actions under delegated authority December 30, 2001 to January 5, 2002 

Bank Branches, Domestic 

Kansas City 

Gold Bank, Leawood, Kansas -- to establish a branch at 18800 East Highway 40, 

Independence, Missouri. 

- Approved, January 3, 2002 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 3129 Marshall Hall Road, 

Bryans Road, Maryland. 

- Approved, January 2, 2002 

Atlanta 

United Bank and Trust Company, St. Petersburg, Florida -- to establish a branch at 4095 

Tampa Road, Oldsmar. 

- Approved, December 5, 2001 (AC) 

Bank Holding Companies 

San Francisco 

Eggemeyer Advisory Corporation, Rancho Santa Fe, California; WJR Corp.; First 

Community Bancorp; Castle Creek Capital LLC; and Castle Creek Capital Partners 

Funds I LP, IIa LP, and IIb LP -- waiver of bank holding company application 

requirements in connection with the merger of their subsidiary bank, First Professional 

Bank, N.A., Santa Monica, with Pacific Western National Bank, Pico Rivera. 

- Granted, January 4, 2002 

Atlanta 

F.N.B. Corporation, Naples, Florida -- to acquire shares of Sun Bancorp, Inc., 

Selinsgrove, Pennsylvania, and thereby acquire Sun Bank. 

- Approved, January 4, 2002 

Chicago 

FBOP Corporation, Oak Park, Illinois -- to acquire Gateway Investment Services, Inc., 

Los Angeles, California, and thereby engage in securities brokerage activities. 

- Approved, January 2, 2002 

(AC) = Addition or Correction Delegated - Page 2 of 5 
H.2 Actions under delegated authority December 30, 2001 to January 5, 2002 

Bank Holding Companies 

Dallas 

Jane Austin Chapman Limited Partnership, LP, Jacksonville, Texas -- to become a bank 

holding company through the acquisition of (1) Austin Bancorp, Inc., Jacksonville, Austin 

Bank, Texas National Association, and TEB, Inc., Shreveport, Louisiana; (2) Capital 

Bancorp, Inc., Jacinto City, Texas, Capital Bank, and JACI, Inc., Wilmington, Delaware; 

(3) Frankston Bancorp, Inc., Frankston, Texas, First State Bank, Frankston, First State 

Bank, Athens, and FDB, Inc., Dover, Delaware. 

- Approved, January 3, 2002 

Kansas City 

Lauritzen Enterprises, Omaha, Nebraska -- to become a bank holding company through 

the acquisition of shares of Farmers and Merchants State Bank, Bloomfield. 

- Approved, January 4, 2002 

Dallas 

Texas Regional Bancshares, Inc., McAllen, Texas, and Texas Regional Delaware, Inc., 

Wilmington, Delaware -- to acquire Riverway Holdings, Inc., Houston, Texas, and 

Riverway Bank, and for its subsidiary bank, Texas State Bank, McAllen, to acquire 

Riverway Bank, Houston, and thereby establish a branch at 5 Riverway Drive. 

- Approved, January 4, 2002 

Bank Mergers 

St. Louis 

Arvest Bank, Fayetteville, Arkansas -- to merge with Arvest Bank, Fort Smith; Bank of 

Bentonville, Bentonville; First Arvest Bank, Siloam Springs; Arvest Bank, Joplin, 

Missouri; and Arvest State Bank, Tulsa, Oklahoma, and thereby establish branches. 

- Approved, January 3, 2002 

Change In Bank Control 

Kansas City 

Country Agencies & Investments, Inc., Odessa, Missouri -- change in bank control. 

- Permitted, January 3, 2002 

Cleveland 

NSD Bancorp, Inc., Pittsburgh, Pennsylvania -- change in bank control. 

- Permitted, January 3, 2002 

(AC) = Addition or Correction Delegated - Page 3 of 5 
H.2 Actions under delegated authority December 30, 2001 to January 5, 2002 

Competitive Factors Reports 

San Francisco 

Cerritos Valley Bancorp, Artesia, California -- report on competitive factors of the 

proposed merger with Cerritos Valley Bank. 

- Submitted, December 31, 2001 

Extensions Of Time 

Kansas City 

Southern Colorado National Bancorp, Inc., Pueblo, Colorado -- extension to March 26, 

2002, to acquire Southern Colorado National Bank. 

- Granted, January 3, 2002 

Dallas 

Spector Holdings Management, LLC, San Antonio, Texas; Spector Holdings Limited 

Partnership; Luling Bancshares, Inc., Luling; and Luling Delaware Financial Corporation, 

Dover, Delaware -- extensions to April 3, 2002, to acquire Citizens State Bank of Luling, 

Luling, Texas. 

- Granted, January 3, 2002 

San Francisco 

The Vintage Bank, Napa, California -- extension to January 3, 2003, to establish a 

branch at 1065 Main Street, St. Helena. 

- Approved, December 31, 2001 

Director, BS&R 

Westdeutsche Landesbank Girozentrale, Dusseldolf, Germany -- extension to February 

28, 2002, of the temporary relocation period for certain employees of the branch at 1121 

Avenue of the Americas, New York, New York. 

- Granted, December 21, 2001 (AC) 

Financial Holding Companies 

Minneapolis 

Market Bancorporation, Inc., New Market, Minnesota -- election to become a financial 

holding company. 

- Effective, January 4, 2002 

(AC) = Addition or Correction Delegated - Page 4 of 5 
H.2 Actions under delegated authority December 30, 2001 to January 5, 2002 

Financial Holding Companies 

Minneapolis 

Stockman Financial Corp., Miles City, Montana -- election to become a financial holding 

company. 

- Effective, January 4, 2002 

Membership 

Kansas City 

Mountain States Bank, Denver, Colorado -- membership in the Federal Reserve System. 

- Approved, January 3, 2002 

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

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, January 5, 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 Central Bancorp, Inc., Somerville, Massachusetts – notice by Newspaper – 01/16/2002 

Joseph R. Doherty and the Joseph R. Doherty Family Limited Fed Reg – 01/17/2002 

Partnership, L.P. to purchase greater than 10% of the voting 

shares 

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, January 5, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, January 5, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, January 5, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, January 5, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Farmers Bank, Windsor, Virginia, to establish a branch at 1238 Newspaper-01/05/2002 

Holland Road, Suite 104, Suffolk, Virginia.* 

*Subject to the provisions of the Community Reinvestment Act. 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

25A Bank of America, N.A., Charlotte, North Carolina, to expand its 

foreign equity underwriting authority 
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, January 5, 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)(5) South Alabama Bancorporation, Mobile, Alabama, to merge 

with Gulf Coast Community Bancshares, Inc., and thereby 

acquire its subsidiary, Wewahitchka State Bank, both of 

Wewahitchka, Florida. 

Newspaper – 

02/04/2002* 

CIC FirstBancorp, Inc., after-the-fact change in control notification 

filed by Mr. Jerry J. Williams, to retain 20.58 percent of the 

outstanding shares of FirstBancorp, Inc., Naples, Florida. 

N/Avail* 

*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 

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 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, January 5, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch First Bank of Berne, Berne, Indiana, for prior approval to 

establish a branch at 304 W. Monroe Street, Decatur, Indiana.* 

Newspaper – 12/26/2001 

Branch Hinsdale Bank & Trust Company, Hinsdale, Illinois, for prior 

approval to establish a branch at 17 E. Burlington Avenue, 

Riverside, Illinois.* 

Newspaper – 01/07/2002 

* Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

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

acquire 100 percent of the voting shares of Marquette Bank 

Illinois, Galesburg, Illinois.* 

CC Notification by CoVest Bancshares, Inc. Employee Stock 

Ownership Plan Trust, Paul A. Larsen, James L. Roberts and 

Barbara A. Buscemi, Trustees, of a Change in Control of CoVest 

Bancshares, Inc., Des Plaines, Illinois. 

CC Notification by Brian and Elizabeth Riddell, as general partners 

of Riddell Family Limited Partnership and William and Linda 

Biles for prior approval to each own 50% of First Heartland 

Bancorp., Sioux Center, Iowa. 

4(c)(8) First Mutual of Richmond, Inc., Richmond, Indiana and 

Richmond Mutual Bancorporation, Inc., Richmond, Indiana, for 

prior approval to acquire 100 percent of the voting shares of 

AmTrust Capital Corp., Peru, Indiana and thereby indirectly 

acquire American Trust Federal Savings Bank, Peru, Indiana 

and Indiana Financial Service Corporation, Peru, Indiana.* 

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

acquire 100 percent of the voting shares of Illinois Community 

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

Illinois Community Bank, Effingham, Illinois.* 

Fed Reg – N/Avail 

Newspaper – N/Avail 

Fed Reg – 01/16/2002 

Newspaper – N/Avail 

Fed Reg – 01/17/2002 

Newspaper – N/Avail 

Fed Reg – 01/14/2002 

Newspaper – 01/14/2002 

Fed Reg – 02/04/2002 

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

Ending date of 

Type Application comment period 

CC Notification by Douglas & Mary Kapnick, Mary E. Kupnick 

Trust, Douglas L. Kapnick Trust and Elmer L. Kupnick Trust, of 

a Change in Control of Lenawee Bancorp, Inc., Adrian, 

Michigan. 

Fed Reg – N/Avail 

Newspaper – N/Avail 

3(a)(5) Macatawa Bank Corporation, Holland, Michigan, for prior 

approval to acquire 100 percent of the voting shares of Grand 

Bank Financial Corporation, Grand Rapids, Michigan and 

thereby indirectly acquire Grand Bank, Grand Rapids, 

Michigan.* 

Fed Reg – 01/18/2002 

Newspaper – N/Avail 

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

approval to acquire 100 percent of the voting shares of Richfield 

State Agency, Inc., Richfield, Minnesota and thereby indirectly 

acquire Richfield Bank & Trust Co., Richfield, Minnesota.* 

Fed Reg – 01/18/2002 

Newspaper – N/Avail 

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

approval to acquire 100 percent of the voting shares of Century 

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

acquire Century Bank, National Association, Eden Prairie, 

Minnesota.* 

Fed Reg – 02/04/2002 

Newspaper – N/Avail 

3(a)(1) Peoples Bancorp., Rock Valley, Iowa, for prior approval to 

become a bank holding company by acquiring 100 percent of the 

voting shares of Peoples Bank, Rock Valley, Iowa.* 

Fed Reg – 12/31/2001 

Newspaper – 01/05/2002 

3(a)(3) River Valley Bancorp, Inc., Eldridge, Iowa, for prior approval to 

acquire 100 percent of the outstanding voting shares of State 

Bank of Seaton, Seaton, Illinois.* 

Fed Reg – 01/14/2002 

Newspaper – 01/11/2002 

3(a)(1) TCSB Bancorp, Inc., Traverse City, Michigan, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the outstanding shares of Traverse 

City State Bank, Traverse City, Michigan.* 

Fed Reg – 01/11/2002 

Newspaper – N/Avail 

* Subject to the provisions of the Community Reinvestment Act 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4(c)(8) Peoples Bancorp., Rock Valley, Iowa., for prior approval to Fed Reg – 12/31/2001 

retain Peoples Financial Inc., Rock Valley, Iowa and thereby 

engage in insurance activities in a place of less than 5, 000 in 

population. 
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 

590949 Bank of Geneva 08/20/2001 01/03/2002 O X 

215 E. Line Street 

Geneva, Indiana 46740 

(219)368-7288 

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, January 5, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4(c)(8) Notice by Concord EFS, Inc., Memphis, Tennessee, to acquire Fed Reg - N/Avail 

Logix Companies, LLC, Longmont, Colorado, and thereby 

indirectly engage in data processing 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, January 5, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

BKBR First Interstate Bank, Billings, Montana, proposes to establish a 

branch at 4612 Rue Terre, Cheyenne, Wyoming.* 

01/22/2002

BKBR First American Bank & Trust, Madison, South Dakota, proposes 

to establish a branch at Highway 212 & 12th Street, Watertown, 

South Dakota.* 

01/07/2002

*Subject to the provisions of the Community Reinvestment Act. 

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

Ending date of 

Type Application comment period 

3(a)(3) Northern Plains Investment, Inc., Jamestown, North Dakota, is Fed Reg – 01/18/2002 

seeking retroactive approval for the increase in its direct and Newspaper – N/Avail. 

indirect ownership interest in North Star Holding Company, 

Inc., Jamestown, North Dakota, from 43.33% to 45.01%.* 

*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 

374653 First PREMIER Bank 08/06/2001 01/04/2002 O X 

Sioux Falls, South Dakota 

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, January 5, 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) Lauritzen Enterprises, Omaha, Nebraska, for prior approval to 

become a bank holding company through the acquisition of 88.9 

percent of the voting shares of Farmers & Merchants State Bank, 

Bloomfield, Nebraska. 

Newspaper – 11/09/2001 

Fed Reg – 11/16/2001 

3(a)(3) Buerge Bancshares, Inc., Joplin, Missouri, for prior approval to 

acquire 100 percent of the voting shares of Grand Lake Bancorp, 

Inc., Tulsa, Oklahoma, parent of Grand Lake Bank, Tulsa, 

Oklahoma, and 100 percent of the voting shares of Sarcoxie 

Bancorp, Inc., Sarcoxie, Missouri, parent of First National Bank 

of Sarcoxie, Sarcoxie, Missouri. 

Newspaper – 01/18/2002 

Fed Reg – 01/02/2002 

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 

3(a)(5)(C) New Frontier Bancorp, Greeley, Colorado, for prior approval to 

become a bank holding company through the reorganization of 

100 percent of the voting shares of New Frontier Bank, Greeley, 

Colorado. 
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 

296456 FirstBank 10/15/2001 01/04/2002 S X 

100 N. High Street 

Antlers, Oklahoma 74523 

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, January 5, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) Citizens Bank, Slaton, TX, to acquire First National Bank, 

Shamrock, TX, and establish a branch office* 

01/19/2002

Branch Citizens Bank, Slaton, TX, to establish a branch office at 711 

North Main Street, Shamrock, TX, 79079* 

01/19/2002

*Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

3(a)(3) LubCo Bancshares, Inc., Slaton, TX, to acquire Shamrock Fed Reg – 02/01/2002 

Bancshares, Inc., Shamrock, TX, Shamrock Delaware Financial, Newspaper – 01/19/2002 

Inc., Dover, DE, and First National Bank, Shamrock, TX* 

*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 

Member Sun Bank, Sunray, TX, to become a member of the Federal 

Reserve System 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, January 5, 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) Western Sierra Bancorp, Cameron Park, California, to acquire 

100 percent of the voting shares of Central California Bank, 

Sonora, California.* 

Newspaper – 2/4/2002 

Fed Reg – 2/4/2002 

CIC William Robert Peoples, Ardyce M. Peoples, Santa Barbara, 

California and various other family members, to retain 16.64 

percent, in aggregate, of Community West Bancshares, Goleta, 

California.* 

Newspaper – N/Avail 

Fed Reg – 1/23/2002 

* 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 

877967 Tehama Bank 8/20/2001 1/3/2002 S X 

239 S. Main Street 

Red Bluff, California 96080 

(530) 528-3995 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None