Federal Reserve Release 

H.2 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 47

Week Ending November 23, 2002

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions November 17, 2002 to November 23, 2002 

Bank Holding Companies 

Citigroup Inc., New York, New York -- commenters' requests for reconsideration of the 

Board's approval of the application to acquire Golden State Bancorp, San Francisco, 

California, and California Federal Bank. 

- Denied, November 21, 2002 

Securities Regulation 

Working Group on Government Securities Clearance and Settlement -- to establish a 

working group of market participants and members of the staff of the Board, Treasury 

Department, and Securities and Exchange Commission to recommend steps to mitigate 

risks in the clearing and settlement process for U.S. government securities. 

- Approved, November 19, 2002 

Enforcement 

Deutsche Bank, AG, New York, New York -- order of prohibition against Eduardo Del 

Rio, a former employee and institution-affiliated party. 

- Announced, November 22, 2002 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority November 17, 2002 to November 23, 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 

Richmond 

Allfirst Bank, Baltimore, Maryland -- to establish branches at Route 23 and Heritage 

Drive, Morgantown, Pennsylvania; the southeast corner of Stoke Park Road and 

Wegmans Drive, Hanover Township, Bethlehem; and the intersection of Reston and New 

Dominion Parkways, Reston, Virginia. 

- Approved, November 22, 2002 

St. Louis 

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 110 South Rockwood 

Road, Suite 2, Cabot. 

- Approved, November 21, 2002 

Atlanta 

Compass Bank, Birmingham, Alabama -- to establish branches at 4115 East Colfax 

Avenue, Denver, Colorado; North Dysart and West Indian School Roads, Litchfield 

Park, Arizona; and North Alma School and West Elliot Roads, Chandler. 

- Approved, November 18, 2002 

Cleveland 

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1114 North Mission 

Street, Mt. Pleasant. 

- Approved, November 18, 2002 

Cleveland 

Fifth Third Bank, Indiana, Indianapolis, Indiana -- to establish a branch at 12626 U.S. 

41, Evansville. 

- Approved, November 22, 2002 

Kansas City 

First American Bank and Trust Company, Purcell, Oklahoma -- to establish a branch at 

570 24th Avenue Northwest, Norman. 

- Approved, November 18, 2002 

(AC) = Addition or Correction Delegated - Page 1 of 9 
H.2 Actions under delegated authority November 17, 2002 to November 23, 2002 

Bank Branches, Domestic 

Atlanta 

First Community Bank, Debary, Florida -- to establish a branch at 450 North McDonald 

Avenue, Deland. 

- Approved, November 21, 2002 

Kansas City 

SpiritBank, Tulsa, Oklahoma -- to establish a mobile branch to provide service at 9618 

South Memorial Drive. 

- Approved, November 21, 2002 

Secretary 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 405 Manning Road East, 

Accokeek, Maryland. 

- Approved, November 18, 2002 

Chicago 

Washington State Bank, Washington, Iowa -- to establish branches at 1203 East 

Washington Street and 1015 South Iowa Street. 

- Approved, November 18, 2002 

Bank Holding Companies 

Kansas City 

Commerce Bancorp, Inc., Duncan, Oklahoma -- to become a bank holding company 

through the acquisition of Bank of Commerce, a de novo bank. 

- Approved, November 20, 2002 

Kansas City 

Community Bankshares, Inc., Greenwood Village, Colorado -- to acquire Community 

Banks of Tracy, Tracy, California. 

- Approved, November 22, 2002 

St. Louis 

Farmers Bancorp Inc., Blytheville, Arkansas, and Farmers Bank and Trust Company --

to acquire First State Bank, Kenton, Tennessee; and for Farmers Bank and Trust 

Company to merge with First State Bank and retain the facility as a branch. 

- Approved, November 21, 2002 

(AC) = Addition or Correction Delegated - Page 2 of 9 
H.2 Actions under delegated authority November 17, 2002 to November 23, 2002 

Bank Holding Companies 

San Francisco 

First Financial Holding Company, Ltd., Taipei, Taiwan, and Bank of Taiwan -- to 

become a bank holding company through the acquisition of First Commercial Bank Co., 

Ltd., Taipei, and thereby indirectly acquire First Commercial Bank (USA), Alhambra, 

California; and for Bank of Taiwan to acquire shares of First Financial Holding Co., Ltd., 

and thereby indirectly acquire First Commercial Bank (USA). 

- Approved, November 19, 2002 

Chicago 

Mahaska Investment Company ESOP, Oskaloosa, Iowa -- to acquire Belle Plaine 

Service Corporation, Belle Plaine, and thereby indirectly acquire Citizens Bank and Trust 

Company, Hudson. 

- Approved, November 21, 2002 

Chicago 

Midwest Banc Holdings, Inc., Melrose Park, Illinois -- to merge with Big Foot Financial 

Corporation, Long Grove, and thereby indirectly acquire Fairfield Savings Bank, F.S.B. 

and operate a savings association; and for Midwest Banc Holdings' subsidiary, Midwest 

Bank and Trust Company, to merge with Big Foot Financial Corporation's subsidiary, 

Fairfield Savings Bank, F.S.B., and thereby to establish branches 

- Approved, November 21, 2002 

New York 

NSB Holding Corp., Staten Island, New York, a mutual holding company, and 

Northfield Holdings Corp., a de novo company -- to acquire Liberty Bank, Avenel, New 

Jersey, a federal savings bank, and Liberty Bancorp MHC through the mergers of Liberty 

Bancorp MHC with Northfield Holdings Corp.; Liberty Bank with Northfield Savings 

Bank; and Liberty Bancorp MHC with NSB Holding Corp. 

- Approved, November 21, 2002 

Atlanta 

Resource Bankshares, Inc., Mandeville, Louisiana -- waiver of a commitment. 

- Returned, November 19, 2002 

(AC) = Addition or Correction Delegated - Page 3 of 9 
H.2 Actions under delegated authority November 17, 2002 to November 23, 2002 

Bank Holding Companies 

Chicago 

River Valley Bancorp, Inc., Davenport, Iowa -- to acquire State Bank of Seaton, Seaton, 

Illinois. 

- Approved, November 20, 2002 

St. Louis 

Sun Financial Corporation, Saint Peters, Missouri -- to acquire shares of The Quad 

County State Bank, Viburnum. 

- Approved, November 19, 2002 

Minneapolis 

TCF Financial Corporation, Wayzata, Minnesota -- to acquire additional shares of 

MainStreet BankShares, Inc., Martinsville, Virginia. 

- Approved, November 21, 2002 

Bank Mergers 

Kansas City 

Peoples National Bank & Trust, Ottawa, Kansas -- to reorganize certain subsidiary 

banks of its parent holding company, Winter Trust of 12/3/74, through the following 

transactions: to convert Peoples National Bank & Trust to a state charter bank, known 

as Peoples Bank, and to become a member of the Federal Reserve System; to acquire by 

merger Peoples Bank, Taos, New Mexico; to purchase certain assets and assume certain 

liabilities of branches of Peoples Bank, Overland Park, Kansas, at 13180 Metcalf 

Avenue; 7810 West 151st Street; 7404 West 199th Street, Stilwell; 212 South 

Broadway, Louisburg; 29 West Wea Street, Paola; 2220 Harper, Suite A, Lawrence; 

and 4831 West Sixth Street; and to relocate its main office to Lawrence and operate a 

branch at 434 South Main Street, Ottawa, the former location of its main office. 

- Approved, November 22, 2002 

Banks, State Member 

Director, BS&R 

SunTrust Bank, Atlanta, Georgia -- exemption from section 23A to acquire Premium 

Assignment Corporation, Tallahassee, Florida. 

- Granted, November 20, 2002 

(AC) = Addition or Correction Delegated - Page 4 of 9 
H.2 Actions under delegated authority November 17, 2002 to November 23, 2002 

Change In Bank Control 

Chicago 

Centre I Bancorp, Inc., Beloit, Wisconsin -- change in bank control. 

- Permitted, November 22, 2002 

Atlanta 

People's Community Bancshares, Inc., Sarasota, Florida -- change in bank control. 

- Withdrawn, November 21, 2002 

Competitive Factors Reports 

Boston 

Acadia Trust, National Association, Portland, Maine -- report on competitive factors of 

the proposed merger with Trust Company of Maine, Inc., Bangor. 

- Submitted, November 18, 2002 

Dallas 

American National Bank, Gonzales, Texas -- report on competitive factors of the 

proposed acquisition of the Gonzales branch of Guaranty Bank, Dallas. 

- Submitted, November 22, 2002 

Secretary 

Bath National Bank, Bath, New York -- report on competitive factors of the proposed 

purchase of certain assets and acquisition of certain liabilities of the Elmira and Elmira 

Heights branches of BSB Bank & Trust Company, Binghamton. 

- Submitted, November 19, 2002 

Chicago 

Capstone Bank, National Association, Watseka, Illinois -- report on competitive factors 

of the proposed purchase of the Hoopeston branch of Kankakee Federal Savings Bank, 

Kankakee. 

- Submitted, November 18, 2002 

Chicago 

Dunlap Bank, Dunlap, Illinois -- report on competitive factors of the proposed merger 

with DB Interim Bank. 

- Submitted, November 18, 2002 

(AC) = Addition or Correction Delegated - Page 5 of 9 
H.2 Actions under delegated authority November 17, 2002 to November 23, 2002 

Competitive Factors Reports 

Secretary 

Elk Horn Bank and Trust Company, Arkadelphia, Arkansas -- report on competitive 

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

the Malvern and Arkadelphia branches of Superior Bank, Fort Smith. 

- Submitted, November 19, 2002 

Cleveland 

Eureka Bank, Pittsburgh, Pennsylvania -- report on competitive factors of the proposed 

merger of Eureka Interim Savings Bank with Eureka Bank. 

- Submitted, November 22, 2002 

Dallas 

The Farmers National Bank of Seymour, Seymour, Texas -- report on competitive 

factors of the proposed acquisition of the Childress branch of First National Bank, Borger. 

- Submitted, November 21, 2002 

Cleveland 

Fifth Third Bank, Cincinnati, Ohio -- report on competitive factors of the proposed 

merger with USB, Inc., Milwaukee, Wisconsin. 

- Submitted, November 22, 2002 

Dallas 

Friona State Bank, National Association, Friona, Texas -- report on competitive factors 

of the proposed acquisition of the Vega branch of First National Bank, Borger. 

- Submitted, November 22, 2002 

Kansas City 

Great Western Bank, Omaha, Nebraska -- report on competitive factors of the proposed 

merger with Peoples Bank, Overland Park, Kansas. 

- Submitted, November 20, 2002 

Chicago 

Heritage Bank, National Association, Holstein, Iowa -- report on competitive factors of 

the proposed merger with Interim National Bank of Holstein. 

- Submitted, November 18, 2002 

(AC) = Addition or Correction Delegated - Page 6 of 9 
H.2 Actions under delegated authority November 17, 2002 to November 23, 2002 

Competitive Factors Reports 

Dallas 

The Jacksboro National Bank, Jacksboro, Texas -- report on competitive factors of the 

proposed merger with JNB Merger Corporation, an interim corporation. 

- Submitted, November 22, 2002 

Philadelphia 

Lehman Brothers Bank, FSB, Wilmington, Delaware -- report on competitive factors of 

the proposed acquisition of certain certificate of deposit portfolios from Household Bank, 

FSB, Wood Dale, Illinois. 

- Submitted, November 20, 2002 

Chicago 

Macatawa Bank, Zeeland, Michigan -- report on competitive factors of the proposed 

merger with Grand Bank, Grand Rapids. 

- Submitted, November 18, 2002 

Chicago 

MetroBank, Indianapolis, Indiana -- report on competitive factors of the proposed 

merger with First Indiana Bank, National Association. 

- Submitted, November 18, 2002 

Kansas City 

North American Savings Bank, FSB, Grandview, Missouri -- report on competitive 

factors of the proposed merger with Community Bank of Excelsior Springs, Excelsior 

Springs. 

- Submitted, November 20, 2002 

New York 

Northfield Savings Bank, Staten Island, New York -- report on competitive factors of the 

proposed merger with Liberty Bank, Avenel, New Jersey. 

- Submitted, November 21, 2002 

Dallas 

Prosperity Bank, El Campo, Texas -- report on competitive factors of the proposed 

merger with Bank of the Southwest of Dallas, Dallas. 

- Submitted, November 20, 2002 

(AC) = Addition or Correction Delegated - Page 7 of 9 
H.2 Actions under delegated authority November 17, 2002 to November 23, 2002 

Competitive Factors Reports 

Cleveland 

The Second National Bank of Warren, Warren, Ohio -- report on competitive factors of 

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

Howland branch of Metropolitan National Bank, Youngstown. 

- Submitted, November 22, 2002 

St. Louis 

State Bank & Trust Company, Cleveland, Mississippi -- report on competitive factors of 

the proposed merger with Mississippi Southern Bank, Port Gibson. 

- Submitted, November 21, 2002 

Chicago 

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

merger with Seaton Interim Bank. 

- Submitted, November 20, 2002 

Chicago 

U.S. Bank, National Association, Cincinnati, Ohio -- report on competitive factors of the 

proposed merger with Boulevard Technical Services, Incorporated, Chicago, Illinois. 

- Submitted, November 18, 2002 

Chicago 

Union Bank of Arizona, National Association, Gilbert, Arizona -- report on competitive 

factors of the proposed merger with First Community National Bank, Corning, Iowa. 

- Submitted, November 18, 2002 

Kansas City 

Washita State Bank, Burns Flat, Oklahoma -- report on competitive factors of the 

proposed merger with Washita Bancshares, Inc. 

- Submitted, November 20, 2002 

Kansas City 

Western Union Bank, Englewood, Colorado -- report on competitive factors of the 

proposed merger with First Financial Bank, Atlanta, Georgia. 

- Submitted, November 20, 2002 

(AC) = Addition or Correction Delegated - Page 8 of 9 
H.2 Actions under delegated authority November 17, 2002 to November 23, 2002 

Extensions Of Time 

Boston 

Port Financial Corp, Brighton, Massachusetts -- extension to January 23, 2003, to 

increase its ownership interest in Cambridge Bancorp, Cambridge. 

- Granted, November 22, 2002 

Financial Holding Companies 

Director, BS&R 

Barclays PLC, London, England, and Barclays Bank PLC -- elections to be treated as 

financial holding companies. 

- Effective, November 22, 2002 

Membership 

San Francisco 

Central California Bank, Sonora, California -- to become a member of the Federal 

Reserve System. 

- Approved, November 20, 2002 

(AC) = Addition or Correction Delegated - Page 9 of 9 
District 1

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, November 23, 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 

4(c)(8) Putnam Bancorp MHC, Inc. and PSB Holdings, Inc., both of Newspaper - 12/09/2002 

Putnam, Connecticut - to become mutual and stock holding Fed Reg - 12/16/2002 

companies, respectively, through the reorganization of Putnam 

Savings Bank, Putnam, Connecticut 

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 First Quarter of 2003 

Institution Location 

State Street Bank and Trust Company Boston, Massachusetts 

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 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, November 23, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Tioga State Bank, Spencer, New York, to establish a branch Newspaper – 12/04/2002 

office at 1250 Vestal Parkway East, Spencer, New York. 

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

Ending date of 

Type Application comment period

3a1, 4c8 Danran Holdings Ltd., Shamdar Holdings Ltd., Elran (D.D.) 

Investments Ltd. and Elran (D.D.) Holdings Ltd., all of Tel Newspaper – 12/14/2002 

Aviv, Israel, to become bank holding companies by acquiring 

indirect control of Signature Bank, New York, New York. 

* Subject to 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 Fede ral 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, November 23, 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) Commerce Bancorp, Inc., Cherry Hill, NJ, to acquire up to 8% Newspaper - N/Avail 

of the voting shares of TheBancorp.com, Inc., Wilmington, DE. Fed. Reg. - N/Avail 

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 First Quarter of 2003 

Institution Location 

Landmark Community Bank Pittston, PA

New Century Bank Phoenixville, PA

Community Bank & Trust Company Clarks Summit, 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, November 23, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch Application by Fifth Third Bank, Cincinnati, OH to establish a Newspaper - 11/13/2002 

branch at 612 South Burnett Road, Springfield, OH.* 

* 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 

Membership Application by Community Trust Bank, Inc., Pikeville, KY to 

become a member of the Federal Reserve System (converting 

from a national bank fka Community Trust Bank, N.A., 

Pikeville, KY) 
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 First Quarter of 2003 

Institution Location 

Minster Bank 

The Custar State Bank 

Croghan Colonial Bank 

The Commercial and Savings Bank of 

Millersburg 

Buckeye Community Bank 

North Valley Bank 

95 West 4th Street, Minster, OH 45865 

22973 Defiance Pike, Custar, OH 43511 

323 Croghan Street, Fremont, OH 43420 

6 West Jackson Street, Millersburg, OH 44654-1302 

105 Sheffield Center, Lorain, OH 44055 

2775 Maysville Pike, Zanesville, OH 43701 
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, November 23, 2002 

Section I – Applications subject to newspaper notice only 

Type Application 

Branch The Marathon Bank, Winchester, Virginia, to establish 

branches at 1725 North Shenandoah Avenue, Front Royal, 

Virginia, and 199 Front Royal Pike, Winchester, Virginia.* 

Branch Farmers Bank, Windsor, Virginia, to establish a branch at the 

intersection of Godwin Boulevard (Route 10) and Hillpoint 

Boulevard North, Suffolk, Virginia.* 

Branch Southern Financial Bank, Warrenton, Virginia, to establish a 

branch at 2208 Ivy Road, Charlottesville, Virginia.* 

Ending date of 

comment period 

Newspaper - 12/02/2002 

Newspaper - 12/03/2002 

Newspaper - 12/06/2002 

*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 

4(c)(8) BB&T Corporation, Winston-Salem, North Carolina, to acquire Fed Reg - 12/20/2002 

up to 19.99% of the voting shares of Equitable Bank, Wheaton, Newspaper - 12/14/2002 

Maryland.* 

*Subject to the provisions of the Community Reinvestment Act. 

Section III – Applications subject to Federal Register notice only 

Ending date of 

Type Application comment period 

None 

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

Type Application 

None 
Section V – Availability of CRA public evaluations 

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

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

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

was revised in May 1995. 

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

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

for deposit facilities. 

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Examination CRA CRA Exam type 

number Institution/Location date public date rating LrgBk SmBk 

None 

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, November 23, 2002 

Section I – Applications subject to newspaper notice only 

Type Application 

Branch Capital City Bank, Tallahassee, Florida, to establish a branch 

located at 10290 Regency Park Boulevard, Port Richey, 

Florida.* 

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

located at 2310 Dallas Highway, Marietta, Georgia, to be known 

as the West Cobb Branch.* 

Ending date of 

comment period 

Newspaper-11/30/2002 

Newspaper-11/23/2002 

*Subject to provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

CIC Community Bank of South Florida, Inc., Homestead, Florida, 

after-the-fact notification filed by Mr. George H. Eicher, Mrs. 

Mary Ethel Eicher, and Mr. George P. Eicher, to collectively 

retain 10.33 percent of the outstanding shares of Community 

Bank of South Florida, Inc., and its subsidiary, Community 

Bank of Florida, both Homestead, Florida. 

Newspaper-N/Avail 

Fed Reg-12/13/2002 

3(a)(1) Neighbors Bancshares, Inc., Roswell, Georgia, to become a bank 

holding company by acquiring Neighbors Bank, Roswell, 

Georgia (in organization).* 

Newspaper-12/13/2002 

Fed Reg-12/13/2002 

3(a)(5) Synovus Financial Corporation, Columbus, Georgia, to merge 

with FNB Newton Bankshares, Inc., and thereby acquire its 

subsidiary, First Nation Bank, both of Covington, Georgia.* 

Newspaper-12/14/2002 

Fed Reg-12/09/2002 

*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 

Member The Citizens Bank of Cochran, Cochran, Georgia, 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 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, November 23, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

Branch American Trust & Savings Bank, Dubuque, Iowa, to establish a 

branch at the corner of Old Farley Road and Pleasant Grove 

Road, Farley, Iowa.* 

Newspaper – 12/05/2002 

18C & Branches M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, to merge 

with Southwest Bank of Phoenix, Phoenix, Arizona and thereby 

to establish a branch at 2222 East Camelback Road, Phoenix, 

Arizona.* 

Newspaper – 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 

CIC Notice by Mark Charles Hewitt, Ventura, Iowa, to increase his 

ownership in Arneson Bancshares, Inc., Clear Lake, Iowa, from 

19.71 percent to 43.21 percent. 

3(a)(3) FBOP Corporation, Oak Park, Illinois, to acquire an additional 

50 percent for a total ownership of 100 percent of the voting 

shares of PNB Financial Corp., Chicago, Illinois, and thereby 

indirectly acquire Park National Bank and Trust of Chicago, 

Chicago, Illinois.* 

3(a)(3) Herky Hawk Financial Corp., Monticello, Iowa, to acquire 100 

percent of Munter Agency, Inc., Strawberry Point, Iowa, and 

thereby indirectly acquire Union Bank & Trust Company, 

Strawberry Point, Iowa.* 

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

to increase its ownership of Prairieland Bancorp, Inc., Bushnell, 

Illinois, from 44.73 percent to 49.77 percent, and thereby 

indirectly acquire Farmers and Merchants State Bank, Bushnell, 

Illinois.* 

Fed Reg – N/Avail 

Newspaper – N/Avail 

Fed Reg – 12/23/2002 

Newspaper – 12/20/2002 

Fed Reg – 11/22/2002 

Newspaper – 11/23/2002 

Fed Reg – 12/13/2002 

Newspaper – 12/16/2002 

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

Ending date of 

Type Application comment period 

None 

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

Type Application 

Other First Bank & Trust Co., Glidden, Iowa, to voluntarily withdraw 

from membership in the Federal Reserve System. 

Membership InvestorsBank, Pewaukee, Wisconsin, to become a member of 

the Federal Reserve System. 

Membership Knisely National Bank of Butler, Butler, Indiana, 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 regula tors 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 

897545 Parish Bank & Trust Company 07/01/2002 11/21/2002 S X 

29 Dixie Hwy 

P.O. Box 228 

Momence, Illinois 60954 

(815) 472-2676 
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, November 23, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

None 

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

Ending date of 

Type Application comment period 

CIC Notice by the Magers Family Control Group consisting of 1) 

William G. Magers, Springfield, Missouri 2) William Bryan 

Magers, Springfield, Missouri 3) Randall Wood Magers, 

Springfield, Missouri 4) Magers Enterprises II, LLLP 

(“Partnership”), W. Bryan and Randall W. Magers, General 

Partners, Springfield, Missouri and 5) Magers Family 

Irrevocable Trust (“Trust”), W. Bryan and Randall W. Magers, 

Trustees, Springfield, Missouri, to gain control of Marshfield 

Investment Company, Springfield, Missouri (“Company”). In 

connection with this proposal, William Bryan Magers and 

Randall Wood Magers, Springfield, Missouri, individually and 

as general partners of Partnership and Trustees of Trust, will 

increase their aggregate voting control of Company's voting 

stock. 

Newspaper – N/Avail 

Fed Reg – 12/13/2002 

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 

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, November 23, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18c & Branch First Interstate Bank, Billings, Montana, to merge with United Newspaper – N/Avail 

States National Bank of Red Lodge, Red Lodge, Montana, and 

incident thereto establish a branch facility in Red Lodge, 

Montana.* 

* 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) State Bankshares, Inc., Fargo, North Dakota, to acquire 100% of 

State Bank of Moorhead, Moorhead, Minnesota.* 

CIC Notice by Patrick A. Wick, Turtle Lake, Wisconsin to acquire 

control of Turtle Bancshares, Inc., Turtle Lake, Wisconsin, and 

thereby indirectly acquire control of Bank of Turtle Lake, Turtle 

Lake, Wisconsin. 

CIC Change in control notice by Todd Haugan, Long Lake, 

Minnesota, Tom P. Kell, Duluth, Minnesota and Richard 

Lefcowitz, Minong, Wisconsin to retain control of Superior 

Financial Holding, Inc., Two Harbors, Minnesota, and thereby 

indirectly retain control of the Lake Bank, National Association, 

Two Harbors, Minnesota. 

Fed Reg – 11/01/2002 

Newspaper – N/Avail 

Fed Reg – 12/02/2002 

Newspaper – N/Avail 

Fed Reg – 11/19/2002 

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 

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, November 23, 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) New West Banks of Colorado, Inc., Greeley, Colorado, to 

become a bank holding company through the acquisition of 100 

percent of the voting shares of New West Bank, Greeley, 

Colorado (in organization). 

CIC Notice by Stephen Randolph Buford, Sam Dunkin Buford, 

Gentner Frederick Drummond, all of Tulsa, Oklahoma and 

Sharon Buford Linsenmeyer, Beatrice, Nebraska, to acquire 

control of NBC Bancshares in Pawhuska, Inc., Pawhuska, 

Oklahoma, parent of NBC Bank, Pawhuska, Oklahoma. 

Newspaper - N/Available 

Fed Reg - N/Available 

Newspaper - 12/10/2002 

Fed Reg - 12/03/2002 

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 

Membership Bank of Yutan, Yutan, Nebraska, 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 

3027763 Cornerstone Bank 

12814 W. 131st 

Overland Park, Kansas 66213 

08/19/2002 11/19/2002 S X

230553 Mountain State Bank 

1635 E. Colfax Avenue 

Denver, Colorado 80218-2506 

08/19/2002 11/21/2002 S X

Section VI – CRA examinations scheduled for Quarter of 

Institution Location 

None 
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, November 23, 2002 

Section I – Applications subject to newspaper notice only 

Ending date of 

Type Application comment period 

18(c) Texas State Bank, McAllen, TX, to merge with The First State 

Bank, Bishop, TX* 

Newspaper - 12/10/2002 

Branch Texas State Bank, McAllen, TX, to establish two branch offices 

at 203 East Main Street, Bishop, TX 78343, and 555 North 

Carancahua Street, Corpus Christi, TX* 

Newspaper - 12/10/2002 

* Subject to the provisions of the Community Reinvestment Act 

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

Ending date of 

Type Application comment period 

3(a)(5) Texas Regional Bancshares, Inc., McAllen, TX, and Texas Fed Reg – 12/19/2002 

Regional Delaware, Inc., Wilmington, DE, to acquire Corpus Newspaper – 12/10/2002 

Christi Bancshares, Inc., Corpus Christi, TX, CCB-Nevada, Inc., 

Carson City, NV, and The First State Bank, Bishop, 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 

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 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, November 23, 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 Joyce Anne Chiles, Centerville, Washington, William John 

Firstenburg and Bruce Edward Firstenburg, Vancouver, 

Washington, to acquire additional voting shares of First 

Independent Investment Group, Inc., Vancouver, Washington, and 

thereby indirectly acquire voting shares of First Independent Bank, 

Vancouver, Washington.* 

3(a)(1) Gold Country Financial Services, Inc., Marysville, California, to 

become a bank holding company by acquiring 100 percent of Gold 

Country Bank, N.A., Marysville, California.* 

3(a)(1) New CCB, Inc., Sandy, Oregon, to become a bank holding 

company by acquiring100 percent of CCB Financial Corporation, 

and its wholly-owned subsidiary, Clackamas County Bank, both of 

Sandy, Utah. 

CIC Ronald Carl Yanke, Bryan Scott Norby, and Daniel Ronald Yanke, 

all of Boise, Idaho, to increase their ownership of Silver State 

Bancorp, and thereby indirectly acquire voting shares of Silver 

State Bank, both of Henderson, Nevada.* 

CIC Thomas Taylor Nicholson and Black Creek Limited Partnership, 

both of Boise, Idaho, to increase their ownership of Silver State 

Bancorp, and thereby indirectly acquire voting shares of Silver 

State Bank, both of Henderson, Nevada.* 

Newspaper – N/Avail 

Fed Reg – 12/03/2002 

Newspaper –12/23/2002 

Fed Reg – 12/20/2002 

Newspaper – 12/16/2002 

Fed Reg – 12/20/2002 

Newspaper – N/Avail 

Fed Reg – 12/11/2002 

Newspaper – N/Avail 

Fed Reg – 12/11/2002 

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

Ending date of 

Type Application comment period 

None 

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

Type Application 

3(a)(5)(C) First State Bancorp to become a bank holding company by 

acquiring 100 percent of First State Bank of California, both of 

Granada Hills, California. 

3(a)(5)(C) Oregon Pacific Bancorp to become a bank holding company by 

acquiring 100 percent of Oregon Pacific Banking Company, both 

of Florence, Oregon. 

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