Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 36 

Week Ending September 8, 2001 

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions September 2, 2001 to September 8, 2001 

Bank Holding Companies 

First Union Corporation, Charlotte, North Carolina -- commenter's request for 

reconsideration of the Board's approval of the application to acquire Wachovia 

Corporation, Winston-Salem. 

- Denied, September 7, 2001 

Board Operations 

Division of Research and Statistics -- appointment of J. Nellie Liang as Assistant 

Director and Chief of Capital Markets and William L. Wascher as Assistant Director 

and Chief of Macroeconomic Analysis. 

- Approved, September 6, 2001 

Regulations And Policies 

Financial Privacy Notices -- interagency public workshop on December 4, 2001, on 

notices to consumers of financial institutions' privacy policies and practices. 

- Approved, September 5, 2001 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority September 2, 2001 to September 8, 2001 

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

International Fiance

Office of Staff Director for Management

Bank Branches, Domestic

Richmond 

Albemarle First Bank, Charlottesville, Virginia -- to establish a branch at 8260 

Seminole Trail, Ruckersville. 

- Approved, September 6, 2001 

Kansas City 

Bank of Colorado, Fort Lupton, Colorado -- to establish a branch at 3130 Main 

Avenue, Durango. 

- Approved, September 4, 2001 

Atlanta 

Colonial Bank, Montgomery, Alabama -- to establish branches at 401 Adamson 

Square, Carrollton, Georgia, and 4640 S. Fort Apache, Las Vegas, Nevada. 

- Approved, September 5, 2001 

Cleveland 

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at State Route 201 and 

Brandt Pike, Huber Heights. 

- Approved, September 6, 2001 

Kansas City 

First United Bank, Denver, Colorado -- to establish a branch at 10024 West San 

Juan Way, Littleton. 

- Approved, September 6, 2001 

Richmond 

Resource Bank, Virginia Beach, Virginia -- to establish a branch at 8730 Stony Point 

Parkway, Richmond. 

- Approved, September 6, 2001 

Atlanta 

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 1711 North 

Citrus Boulevard, Leesburg, Florida. 

- Approved, August 31, 2001 (AC) 

(AC) = Addition or Correction Delegated - Page 1 of 5 
H.2 Actions under delegated authority September 2, 2001 to September 8, 2001 

Bank Branches, Domestic

Atlanta 

SouthTrust Bank, Birmingham, Alabama -- to establish a branch at 2900 Allison 

Bonnett Memorial Drive, Hueytown. 

- Approved, September 6, 2001 

Bank Holding Companies

Boston 

Boston Private Financial Holdings, Inc., Boston, Massachusetts -- to acquire 

Tuckernuck Partners, Inc. and thereby engage in investment advisory services. 

- Approved, September 5, 2001 

Kansas City 

BW Holdings, Inc., Castle Rock, Colorado -- to become a bank holding company 

through the reorganization of BankWest. 

- Approved, September 6, 2001 

St. Louis 

First Banks, Inc., St. Louis, Missouri -- to acquire shares of Allegiant Bancorp, Inc. 

and thereby acquire Allegiant Bank, South Side National Bank in St. Louis, Bank of 

Ste. Genevieve, Ste. Genevieve, Bank of St. Charles County, St. Charles, and State 

Bank of Jefferson County, DeSoto. 

- Approved, September 6, 2001 

San Francisco 

First Independent Capital of Nevada, Reno, Nevada -- to acquire First Independent 

Bank of Nevada. 

- Approved, September 6, 2001 

Atlanta 

First Pulaski National Corporation, Pulaski, Tennessee -- to acquire Belfast Holding 

Company, Belfast, and Bank of Belfast. 

- Approved, September 4, 2001 

Chicago 

Kerndt Bank Services, Inc., Lansing, Iowa -- to acquire Westmont Corporation, 

West Union, and Farmers Savings Bank. 

- Approved, September 5, 2001 

(AC) = Addition or Correction Delegated - Page 2 of 5 
H.2 Actions under delegated authority September 2, 2001 to September 8, 2001 

Bank Holding Companies

Chicago 

Oswego Bancshares, Inc., Oswego, Illinois -- to guarantee the debt of Oswego 

Community Bank Employees Stock Ownership Plan and thereby engage in extending 

credit and servicing loans. 

- Approved, September 6, 2001 

Chicago 

Piper Holdings, Inc., Covington, Indiana -- to become a bank holding company 

through the acquisition of The Fountain Trust Company. 

- Approved, September 6, 2001 

Change In Bank Control

Boston 

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

- Permitted, September 4, 2001 

Cleveland 

NB&T Financial Group, Inc., Wilmington, Ohio -- change in bank control notices. 

- Permitted, September 4, 2001 

Competitive Factors Reports

Cleveland 

Advantage Bank, Cambridge, Ohio -- report on competitive factors of the proposed 

merger with Columbia Federal Savings Bank, Fort Mitchell, Kentucky. 

- Submitted, August 31, 2001 (AC) 

Chicago 

Casey State Bank, Casey, Illinois -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of the Flat Rock, Westfield, and West 

Union branches of Union Planters Bank, National Association, Memphis, Tennessee. 

- Submitted, September 4, 2001 

Cleveland 

Chase Interim National Bank, Pittsburgh, Pennsylvania -- report on competitive 

factors of the proposed merger with Chase Manhattan Trust Company, N.A. 

- Submitted, August 31, 2001 (AC) 

(AC) = Addition or Correction Delegated - Page 3 of 5 
H.2 Actions under delegated authority September 2, 2001 to September 8, 2001 

Competitive Factors Reports

Chicago 

Chicago Community Bank, Chicago, Illinois -- report on competitive factors of the 

proposed acquisition of deposits of the Chicago branch of Atlantic Bank of New 

York, New York, New York. 

- Submitted, September 4, 2001 

Secretary 

Citibank, N.A., New York, New York -- report on competitive factors of the 

proposed merger with Universal Card Services Corp., Jacksonville, Florida. 

- Submitted, September 6, 2001 

Philadelphia 

Gloucester City FSB, Washington Township, New Jersey -- report on competitive 

factors of its proposed reorganization as a federal mutual holding company. 

- Submitted, September 4, 2001 

Chicago 

Iowa State Bank, Algona, Iowa -- reports on competitive factors of the proposed 

merger with Ruthven State Bank, Ruthven, and Ruthven State Bank's proposed 

merger with Ruthven Investment, Ltd. 

- Submitted, September 4, 2001 

Cleveland 

Northwest Savings Bank, Warren, Pennsylvania -- report on competitive factors of 

the proposed purchase of assets and assumption of liabilities of the Washington 

branch of Prestige Bank, FSB, Pittsburgh. 

- Submitted, August 31, 2001 (AC) 

Cleveland 

PNC Bank, N.A., Pittsburgh, Pennsylvania -- report on competitive factors of the 

proposed merger with Hilliard Lyons Trust Company, Louisville, Ohio. 

- Submitted, August 31, 2001 (AC) 

St. Louis 

Reelfoot Bank, Union City, Tennessee -- report on competitive factors of the 

proposed merger with Fulton Bank, Fulton, Kentucky. 

- Submitted, September 4, 2001 

(AC) = Addition or Correction Delegated - Page 4 of 5 
H.2 Actions under delegated authority September 2, 2001 to September 8, 2001 

Competitive Factors Reports

Cleveland 

The Third Savings and Loan Company, Piqua, Ohio -- report on competitive factors 

of the proposed merger with The Security National Bank and Trust Co., Springfield. 

- Submitted, August 31, 2001 (AC) 

Extensions Of Time

Director, BS&R 

Mizuho Holdings, Inc., Tokyo, Japan -- extension to April 1, 2002, of the waiver of 

the home state attribution rule under Regulation K. 

- Granted, September 6, 2001 

Membership

Richmond 

Logan Bank & Trust Company, Logan, West Virginia -- membership in the Federal 

Reserve System. 

- Approved, September 4, 2001 

(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, September 8, 2001 

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 

Change in Bank Central Bancorp, Inc., Somerville, Massachusetts - notice by Newspaper – 09/26/2001 

Control John Doherty to individually acquire greater than 10% of Fed Reg – 09/26/2001 

Central Bancorp, Inc. 

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, September 8, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Representative Banca Comerciala Romana S.A., Bucharest, Romania, to 

Office establish a representative office in New York, New York.* 

Representative Royal Bank of Canada, Montreal, Canada, to establish a 

Office representative office in Wilmington, Delaware.* 

Branch NCF Bank Plc (formerly known as Nordea Companies Finland 

(NCF) Plc formerly known as MeritaNordbanken Plc), to 

establish a state-licensed branch at 437 Madison Avenue, New 

York, New York.* 

Branch Kookmin Bank, Seoul, Korea, a de novo banking corporation 

resulting from the merger of Kookmin Bank Seoul, Korea, and 

Housing & Commercial Bank, Seoul, Korea, to establish two 

New York branch offices by retaining the current branch offices 

of Kookmin and H&CB.* 

Newspaper – N/Avail 

Newspaper – N/Avail 

Newspaper – N/Avail 

Newspaper – 10/01/2001 

* 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 

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, September 8, 2001 

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) Sun National Bancorp, Inc., Vineland, NJ, to acquire Delaware Newspaper: 09/30/2001 

City Bank, Delaware, DE Fed. Reg: 10/05/2001 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

4(c)(8) Sun Bancorp, Inc., Vineland, NJ, to acquire The Delaware City 10/05/2001 

Building and Loan Association 

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, September 8, 2001 

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 Received notice of change in bank control on 09/06/2001 from N/Avail 

William R. Baierl; Carol A. Baierl; and Sandra Bussee, as 

trustee of the William R. Baierl Trust, of their intent to acquire 

up to 15.00% of the outstanding voting shares of NSD Bancorp, 

Inc., Pittsburgh, PA. 

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, September 8, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Bank of Clarke County, Berryville, Virginia, to establish a Newspaper - 09/17/2001 

branch at 1460 North Frederick Pike, Winchester, 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 

3(a)(5) BB&T Corporation, Winston-Salem, North Carolina, to acquire Fed Reg - 10/05/2001 

Community First Banking Company, Carrollton, Georgia.* Newspaper - 10/04/2001 

*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) High Street Corporation, Asheville, North Carolina, to become 

a bank holding company through the acquisition of 100% of the 

voting shares of High Street Banking Company, Asheville, 

North Carolina. 
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, September 8, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) Regions Bank, Birmingham, Alabama, to acquire certain assets 

and assume certain liabilities of the Keller, South Street, and the 

McCann Road branches of Jefferson Heritage Bank, Denton, 

Texas. 

09/26/2001*

18(c) Capital City Bank, Tallahassee, Florida, to merge with First 

National Bank of Grady County, Cairo, Georgia. 

10/06/2001*

*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)(1) First Bank of Miami Shares, Inc., Coral Gables, Florida, to 

become a bank holding company by acquiring First Bank of 

Miami, Inc., Coral Gables, Florida. 

3(a)(1) Kensington Bankshares, Inc., Spring Hill, Florida, to become a 

bank holding company by acquiring First Kensington Bank, 

Spring Hill, Florida. 

3(a)(1) DNB Financial Services, Inc., Douglas, Georgia, to become a 

bank holding company by acquiring Douglas National Bank, 

Douglas, Georgia (in organization). 

CIC SunMark Bancshares, Inc., Hawkinsville, Georgia, prior 

notification filed by The Jennings Qualified Family, L.P., 

Hawkinsville, Georgia, to acquire 55.35 percent of the 

outstanding shares of SunMark Bancshares, Inc., Hawkinsville, 

Georgia. 

Newspaper - 09/24/2001* 

Newspaper - 09/13/2001* 

Fed Reg – 10/08/2001* 

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 

3(a)(1) Alamerica BancCorp, Inc, Birmingham, Alabama, notice to 

become a bank holding company by acquiring Alamerica Bank, 

Birmingham, Alabama. 

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, September 8, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) & Branches 1st Source Bank, South Bend, Indiana, for prior approval to 

acquire the Fort Wayne, Huntington, Bluffton, New Haven, 

Columbia City and Auburn, Indiana branches of Standard 

Federal Bank, Troy, Michigan and thereby to establish 13 

branches.* 

Newspaper – 9/20/2001 

18(c) & Branches M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, for prior 

approval to merge with National City Bank of Minneapolis, 

Minneapolis, Minnesota and thereby to establish branches at 

651 Nicollet Mall, Minneapolis, Minnesota and 3905 West 69th 

Street, Edina, Minnesota.* 

Newspaper – 9/07/2001 

Branch Warren Bank, Warren, Michigan, for prior approval to establish 

a branch at 38890 Garfield Road, Clinton Township, Michigan.* 

Newspaper –9/14/2001 

* 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 

CC Notification by J. D. Bergman Corporation, Hinsdale, Illinois, of 

a Change in Control to acquire additional stock of American 

Heartland Bancshares, Inc., Sugar Grove, Illinois. 

CC Notification by Helen M. Paul, to acquire an additional 50 

shares of APM Bancorp, Inc., Buffalo, Iowa. 

3(a)(1) Bank Iowa Holding Company, Clarinda, Iowa, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of Farmers State 

Bank, Schleswig, Iowa.* 

3(a)91) Eagle Bancshares, Inc., Cashton, Wisconsin, for prior approval 

to become a bank holding company through the acquisition of 

100 percent of the outstanding shares of Cashton Bancshares, 

Inc., Cashton, Wisconsin and thereby indirectly Bank of 

Cashton, Cashton, Wisconsin.* 

Fed Reg – N/Avail 

Newspaper – N/Avail 

Fed Reg – 9/19/2001 

Newspaper – N/Avail 

Fed Reg – 8/27/2001 

Newspaper – 9/01/2001 

Fed Reg – 9/20/2001 

Newspaper – 9/21/2001 
Section II – Applications subject to both newspaper and Federal Register notice 

Ending date of 

Type Application comment period 

4(c)(8) FBOP Corporation, Oak Park, Illinois, for prior approval to 

acquire 100 percent of the voting shares of Bank Plus 

Corporation, Los Angeles, California and thereby indirectly 

acquire Fidelity Federal Bank, FSB, Glendale, California.* 

3(a)(3) Great River Financial Group, Inc., Burlington, Iowa, for prior 

approval to acquire 100% of Southeast Security Bank, 

Mediapolis, Iowa.* 

3(a)(3) Mid-Iowa Banchares Co., Algona, Iowa, for prior approval to 

acquire in excess of 5% but not to exceed 10% of Horizon Bank 

(in organization), Encino, California.* 

3(a)(3) Northstar Financial Group, Inc., Bad Axe, Michigan, for prior 

approval to acquire 100 percent of the voting shares of Seaway 

Community Bank (in organization), St. Clair, Michigan.* 

3(a)(3) Oswego Community Bank Employee Stock Ownership Plan, 

Oswego, Illinois, for prior approval to acquire an additional 

19.69 percent, for a total of 47 percent, of the voting shares of 

Oswego Bancshares, Inc., Oswego, Illinois and thereby 

indirectly acquire Oswego Community Bank, Oswego, Illinois.* 

3(a)(3) Panhandle Aviation, Inc., Clarinda, Iowa, for prior approval to 

acquire 100 percent of the voting shares of Bank Iowa Holding 

Company, Clarinda, Iowa, and thereby indirectly acquire 

Farmers State Bank, Schleswig, Iowa.* 

3(a)(3) Prairieland Employee Stock Ownership Plan, Bushnell, Illinois, 

for prior approval to acquire 45.85 percent of the voting shares 

of Prairieland Bancorp, Inc., Bushnell, Illinois and thereby 

indirectly acquire Farmers and Merchants State Bank, Bushnell, 

Illinois.* 

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

acquire 100 percent of State Bank of Latham, Latham, Illinois.* 

Notification by John G. Rosholt, of a Change in Control to retain 

control, and by Gary C. Rosholt to acquire control, of Rosholt 

Bancorporation, Inc., Rosholt, Wisconsin. 

3(a)(1) WB Bancshares, Inc., Bloomington, Wisconsin, for prior 

approval to become a bank holding company through the 

acquisition of 100 percent of the voting shares of Woodhouse 

and Bartley Bank, Bloomington, Wisconsin.* 

Fed Reg – N/Avail 

Newspaper – N/Avail 

Fed Reg – 9/28/2001 

Newspaper – N/Avail 

Fed Reg – 9/11/2001 

Newspaper – 9/22/2001 

Fed Reg – N/Avail 

Newspaper – N/Avail 

Fed Reg – 9/04/2001 

Newspaper – 9/03/2001 

Fed Reg – 8/27/2001 

Newspaper – 9/01/2001 

Fed Reg – 10/05/2001 

Newspaper – 10/03/2001 

Fed Reg – 9/28/2001 

Newspaper – N/Avail 

Fed Reg – 8/27/2001 

Newspaper – N/Avail 

Fed Reg – 9/10/2001 

Newspaper – 9/10/2001 

* Subject to the provisions of the Community Reinvestment Act 

CC 
Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

Membership Bank of Palmyra, Palmyra, Illinois, for prior approval to become 

a member of the Federal Reserve System. 

Membership Logan County Bank, Lincoln, Illinois, for prior approval to 

become a member of the Federal Reserve System. 

4(c)(8) Marshall & Ilsley Corporation, Milwaukee, Wisconsin, 

notification of intent to acquire, indirectly through its subsidiary 

Metavante Corporation, all of the assets of Brokat Technologies 

Inc. and Brokat Technologies AFS, Inc. 

Regulation K Michigan National Bank, Farmington Hills, Michigan, for prior 

approval to establish Standard Federal International, LLC, 

Wilmington, Delaware, as an Agreement corporation, and 

indirectly acquire four subsidiaries. 

Membership Town and Country Bank, Buffalo, Illinois, for prior approval to 

become a member of the Federal Reserve System. 

Membership Town and Country Bank of Springfield, Springfield, Illinois, for 

prior approval to become a member of the Federal Reserve 

System. 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, September 8, 2001 

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 involving Planters Holding Company, Indianola, 

Mississippi, by William T. Robinson, Jr., Indianola, Mississippi, 

to retain 12.59 percent. 

Newspaper 9/20/2001 

Fed Reg. – 9/26/2001 

CIC Notice involving Hardeman County Investment Company, Inc., 

Bolivar, Tennessee, by Betty L. Woodside, Jackson, Tennessee, 

to retain 66.66 percent. 

Newspaper – 10/2/2001 

Fed Reg. – N/Avail 

3(a)(3) Notice by First Banks, Inc., St. Louis, Missouri, to acquire 100 

percent of Union Financial Group, Inc., Swansea, Illinois.* 

Newspaper – 10/4/2001 

Fed Reg. – 10/8/2001 

* 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 
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, September 8, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) & Branch BANKFIRST, Sioux Falls, South Dakota, to purchase certain 

assets and assume certain liabilities of the Miami, Arizona 

branch of Community First National Bank, Fargo, North Dakota, 

and immediately thereafter relocate the branch to Chandler, 

Arizona.* 

09/14/2001

18(c) & Branch First Interstate Bank, Billings, Montana, to merge with First 

Interstate Bank, Sheridan, Wyoming, and incident thereto 

establish 21 branches.* 

N/Avail. 

* 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) Credit Riviere Bancorporation, Inc., Austin, Texas, for prior Fed. Reg. – 10/09/2001 

approval to become a bank holding company through the Newspaper – N/Avail. 

acquisition of 100% of the voting shares of First State Bank of 

Sinai, Sinai, South Dakota. 

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 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, September 8, 2001 

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) Leawood Bancshares, Inc., Leawood, Kansas, for prior approval 

to become a bank holding company through the acquisition of 

100 percent of the voting shares of Town & Country Bank, 

Leawood, Kansas, in organization. 

CIC Joseph D. Freund Irrevocable Trust, the Duane M. Freund 

Irrevocable Trust, the Kenneth J. Freund Irrevocable Trust, the 

Michael R. Freund Irrevocable Trust, all of Aurora, Colorado, 

and the following individuals who serve as co-trustees of one or 

more of the trusts: Joseph Freund, Jr., of Elizabeth, Colorado, 

Richard Campbell, of Denver, Colorado, Laura Freund 

Buddington, of Denver, Colorado, Scott Freund, of Elizabeth, 

Colorado, Phillip Pasion, of Parker, Colorado, Angela Freund 

Bennett, of Denver, Colorado, and Kenneth Freund, Jr, of 

Aurora, Colorado, to retain control of Commerce Bankshares, 

Inc. and its subsidiary bank, Commerce Bank, both of Aurora, 

Colorado. 

CIC Carl J. Sjulin, Lincoln, Nebraska, as trustee of the Carl J. Sjulin 

Revocable Trust and trustee of a Voting Trust Agreement, for 

prior approval to increase his ownership interest from 24.8 

percent to 50.2 percent of the voting shares of West Gate 

Banshares, Inc., parent of West Gate Bank, both of Lincoln, 

Nebraska. 

Newspaper – 09/29/2001 

Fed Reg – 10/05/2001 

Newspaper – N/Available 

Fed Reg – 09/26/2001 

Newspaper – N/Available 

Fed Reg – 09/27/2001 
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 CSB Bank, Claycomo, Missouri, for prior approval to become a 

member of the Federal Reserve System. 

Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, September 8, 2001 

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) Spector Holdings Management, L.L.C., San Antonio, TX, to 

acquire Spector Holdings Limited Partnership, San Antonio, TX, 

Luling Bancshares, Inc., Luling, TX, Luling Delaware Financial 

Corporation, Dover, DE, and Citizens State Bank of Luling, 

Luling, TX* (previously reported the week ending September 1, 

2001) 

3(a)(1) Spector Holdings Limited Partnership, San Antonio, TX, to 

acquire Luling Bancshares, Inc., Luling, TX, Luling Delaware 

Financial Corporation, Dover, DE, and Citizens State Bank of 

Luling, Luling, TX* (previously reported the week ending 

September 1, 2001) 

3(a)(1) Luling Bancshares, Inc., Luling, TX, to acquire Luling Delaware 

Financial Corporation, Dover, DE, and Citizens State Bank of 

Luling, Luling, TX* (previously reported the week ending 

September 1, 2001) 

3(a)(1) Luling Delaware Financial Corporation, Dover, DE, to acquire 

Citizens State Bank of Luling, Luling, TX* (previously reported 

the week ending September 1, 2001) 

3(a)(3) Overton Financial Corporation, Overton, TX, and Overton 

Delaware Corporation, Dover, DE, to acquire Longview 

Financial Corporation, Longview, TX, Longview Delaware 

Corporation, Dover, DE, Longview Bank and Trust, Longview, 

TX, and First State Bank, Van, TX* 

Fed Reg – 09/28/2001 

Newspaper – 09/29/2001 

Fed Reg – 09/28/2001 

Newspaper – 09/29/2001 

Fed Reg – 09/28/2001 

Newspaper – 09/29/2001 

Fed Reg – 09/28/2001 

Newspaper – 09/29/2001 

Fed Reg – 10/05/2001 

Newspaper – N/Avail 

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

Ending date of 

Type Application comment period 

None 

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

Type Application 

3(a)(1) Texas Heritage Bancshares, Inc., Hondo, TX, to acquire Texas 

Heritage Bancshares of Delaware, Inc., Wilmington, DE, and 

Hondo National Bank, Hondo, TX* 

3(a)(1) Texas Heritage Bancshares of Delaware, Inc., Wilmington, DE, 

to acquire Hondo National Bank, Hondo, TX* 

*Subject to the provisions of the Community Reinvestment Act 

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, September 8, 2001 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

None 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

Waiver Zions Bancorporation, Salt Lake City, Utah, request waiver of 

the Section 3 of BHC Act application requirement, in connection 

with the proposed acquisition of Minnequa Bancorp Inc., Pueblo, 

Colorado, simultaneous with the merger by Vectra Bank 

Colorado, NA, Farmington, New Mexico. 
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