Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 15

Week Ending April 14, 2001

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions April 8, 2001 to April 14, 2001

Bank Holding Companies

Countrywide Credit Industries, Inc., Calabasas, California; Countrywide Financial 

Holding Company, Inc.; and Effinity Financial Corporation, Alexandria, Virginia -- 

to acquire Treasury Bank, Ltd., Washington, D.C.

- Approved, April 11, 2001 

Forms

Transfer Agent Registration and Amendment Form (FR TA-1) -- extension without 

revision.

- Approved, April 11, 2001 

International Operations

Comerica Bank, Detroit, Michigan -- to establish a branch in Toronto, Ontario, 

Canada.

- Approved, April 9, 2001 

Regulations And Policies

Privacy Act -- amendment to the Board's Rules Regarding Access to Personal 

Information under the Privacy Act [Docket No. R-1102].

- Approved, April 9, 2001 

System of Records -- notice and request for comment on a new system of records 

under the Privacy Act, entitled Protective Information System [Docket No. R-1101].

- Approved, April 9, 2001 

(AC) = Addition or Correction Board - Page 1 of 1
April 8, 2001 to April 14, 2001

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment

International Fiance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Bank of Colorado, Fort Lupton, Colorado -- to establish a branch at 1609 East 

Harmony, Fort Collins.

- Approved, April 11, 2001 

Kansas City

Baylake Bank, Sturgeon Bay, Wisconsin -- to establish a branch at 211 Commerce 

Drive, Luxemburg.

- Approved, April 12, 2001 

Chicago

Colonial Bank, Montgomery, Alabama -- to establish a branch at 3250 Village Walk 

Circle, Naples, Florida.

- Approved, March 27, 2001 (AC)

Atlanta

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish 

branches at 1000 Bryn Mawr Road, North Middletown Township, Pennsylvania, and 

at 6560 Carlisle Pike, Silver Spring.

- Approved, April 12, 2001 

New York

Texas Bank, Weatherford, Texas -- to establish a branch at 2817 Fort Worth 

Highway, Hudson Oaks.

- Approved, April 12, 2001 

Dallas

Bank Holding Companies

Coast Bancorp, San Luis Obispo, California -- to become a bank holding company 

through a corporate reorganization with respect to Coast National Bank.

- Approved, April 12, 2001 

San Francisco

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority April 8, 2001 to April 14, 2001

Bank Holding Companies

FBOP Corporation, Oak Park, Illinois -- to acquire PBOC Holdings, Inc., Los 

Angeles, California, and Peoples Bank of California.

- Approved, April 11, 2001 

Chicago

FGB Bankshares, Inc., Hammond, Louisiana -- to acquire First Guaranty Bank.

- Returned, April 12, 2001 

Atlanta

First Security Group, Inc., Chattanooga, Tennessee -- commitment waiver request.

- Granted, April 10, 2001 

Atlanta

Gideon Management LLC, Topeka, Kansas -- to become a bank holding company 

through the acquisition of Gideon Enterprises LP and Silver Lake Bank.

- Withdrawn, April 12, 2001 

Kansas City

Northern Trust Corporation, Chicago, Illinois -- to engage, through Northern Trust 

Global Advisors, Inc., Stamford, Connecticut, in acting as a commodity pool 

operator and commodity trading advisor.

- Withdrawn, April 2, 2001 (AC)

Chicago

Change In Bank Control

1889 Bancshares, Inc., Nevada, Missouri -- change in bank control.

- Permitted, April 13, 2001 

Kansas City

First Antlers Bancorporation, Inc., Antlers, Oklahoma -- change in bank control.

- Permitted, April 13, 2001 

Kansas City

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority April 8, 2001 to April 14, 2001

Competitive Factors Reports

Bank of America, National Association, Charlotte, North Carolina -- report on 

competitive factors of the proposed merger with NationsBank Trust Company of 

New York, New York, New York.

- Submitted, April 11, 2001 

Richmond

Branch Banking and Trust Company, Winston-Salem, North Carolina -- reports on 

competitive factors of the proposed mergers with The First National Bank and Trust 

Company, Athens, Tennessee; BankFirst, Knoxville; and BankFirst Trust Company.

- Submitted, April 11, 2001 

Richmond

Community First Bank, Carrollton, Georgia -- report on competitive factors of the 

proposed merger with Douglas Federal Bank, FSB, Douglasville.

- Submitted, April 10, 2001 

Atlanta

First National Bank of Bellaire, Houston, Texas -- report on competitive factors of 

the proposed acquisition of a branch of Katy Bank, N.A., Katy, at 2117 Fry Road.

- Submitted, April 12, 2001 

Dallas

First National Bank of Borger, Borger, Texas -- report on competitive factors of the 

proposed merger with Citizens National Bank of Childress, Childress.

- Submitted, April 10, 2001 

Dallas

Liberty Bank, FSB, Arnolds Park, Iowa -- report on competitive factors of the 

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

branches of Firstar Bank, National Association, Cincinnati, Ohio.

- Submitted, April 9, 2001 

Chicago

The Park Avenue Bank, Valdosta, Georgia -- report on competitive factors of the 

proposed merger with Friendship Community Bank, Ocala, Florida.

- Submitted, April 10, 2001 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority April 8, 2001 to April 14, 2001

Competitive Factors Reports

State Financial Bank, National Association, Hales Corners, Wisconsin -- report on 

competitive factors of the proposed merger with Liberty Bank, Milwaukee.

- Submitted, April 9, 2001 

Chicago

Stockman Bank of Montana, Miles City, Montana -- report on competitive factors of 

the proposed purchase of assets and assumption of liabilities of five Montana 

branches of Western Security Bank, Missoula, and one branch of Glacier Bank, 

Kalispell.

- Submitted, April 11, 2001 

Minneapolis

Sun Bank, Selinsgrove, Pennsylvania -- report on competitive factors of the 

proposed merger with Guaranty Bank, N.A., Shamokin.

- Submitted, April 9, 2001 

Philadelphia

United Bank of Iowa, Ida Grove, Iowa -- report on competitive factors of the 

proposed merger with Alliance Bank, Rockwell City.

- Submitted, April 9, 2001 

Chicago

Extensions Of Time

Gateway Bancorp, Santa Ana, California -- extension to July 18, 2001, to acquire 

Mission Hills Mortgage Corporation and shares of Bank of Lakewood, Lakewood.

- Granted, April 10, 2001 

San Francisco

Waumandee Bancshares, Ltd., Waumandee, Wisconsin -- extension to July 13, 2001, 

to acquire Waumandee State Bank.

- Granted, April 13, 2001 

Minneapolis

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority April 8, 2001 to April 14, 2001

Financial Holding Companies

Damariscotta Bankshares, Inc., Damariscotta, Maine -- election to become a financial 

holding company.

- Effective, April 12, 2001 

Boston

First Community Bancorp, Inc., Pahokee, Florida -- election to become a financial 

holding company.

- Effective, April 13, 2001 

Atlanta

NBC Capital Corporation, Starkville, Mississippi -- election to become a financial 

holding company.

- Effective, April 9, 2001 

St. Louis

Membership

American Exchange Bank, Elmwood, Nebraska -- membership in the Federal 

Reserve System.

- Approved, April 10, 2001 

Kansas City

Regulations And Policies

Regulation Y -- technical amendments to the financial holding company provisions of 

Regulation Y to restore provisions that were adopted in December 2000, and 

inadvertently deleted from the Code of Federal Regulations [Docket Nos. R-1078 

and R-1094].

- Approved, April 9, 2001 

Secretary

(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, April 14, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, April 14, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Communications, People’s Republic of China, to

establish a representative office in Los Angeles, California .*

Newspaper – N/Avail

Branch Manufacturers and Traders Trust Company to establish a branch

office in the Mid-City Plaza at 955-969 Payne Avenue, City of

North Tonawanda, Niagara county, New York.

Newspaper – N/Avail

Branch Banca Intesa, S.p.A., Milan, Italy, to establish branches in New

York, New York, and Chicago, Illinois, and an agency in Los

Angeles, California.

Newspaper – N/Avail

Branch Bayerische Hypo- und Vereinsbank Aktiengesellschaft, Munich,

Germany, to establish additional branches at 622 Third Avenue

and 245 Park Avenue, both in New York, New York.

Newspaper - N/Avail

Representative

Office

China Merchants Bank, Shenzhen, People’s Republic of China,

to establish a representative office in New York, New York.

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) C.C. Bancorp, Inc., Little Valley, New York, to become a bank

holding company by acquiring 100 percent of the shares of

Cattaraugus County Bank, Little Valley, New York.

Newspaper – N/Avail

Fed Reg – 04/23/2001

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

4c8 Banco Espirito Santo, S.A., Lisbon, Portugal, et al., after-thefact notice regarding the direct and indirect acquisitions of

certain voting securities of Finet.com, Inc., and thereby engage

in certain activities relate4d to extending credit.

4c8 Banco Espirito Santo, S.A., Lisbon, Portugal, et. Al., after-thefact notice regarding acquisition of certain securities, and their

intention to acquire additional securities, of Clarity Incentive

Systems, Inc., and thereby engage in certain data processing and

management consulting and counseling activities.

25 Citibank, N.A., New York, New York, and Citibank Overseas

Investment Corporation, New Castle, Delaware, to make an

investment pursuant to Section 25 of the Federal Reserve Act.

25 Citigroup Inc., New York, New York, and Travelers Group

International LLC, New York, New York, to make an

investment pursuant to Section 25 of the Federal Reserve 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 Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None
Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, April 14, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, April 14, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

SRNEW Received notice of intent to purchse and redeem shares of its

common stock from St. Henry Bank, St, Henry, OH.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, April 14, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Virginia Commerce Bank, Arlington, Virginia, to establish

a branch at The Spectrum at Reston Town Center, intersection

of Baron Cameron Avenue and Fountain Drive, Reston,

Virginia.*

Newspaper - 05/01/2001

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, April 14, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

located inside the Albertson’s store located at the intersection of

Tatum Boulevard and Deer Valley, Phoenix, Arizona, to be

known as the Tatum and Deer Valley Albertson’s Branch.

05/09/2001*

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

located at 950 South Pine Island Road, #180, Plantation, Florida,

to be known as the Plantation Branch.

04/06/2001*

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

5030 Champion Boulevard, Suite F8, Boca Raton, Florida, to be

known as the Boca Polo Club Shoppes Office.

04/15/2001*

Branch Bank of Murfreesboro, to establish a branch located at 454

South Lowry Street, Smyrna, Tennessee.

04/22/2001*

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) Georgia Banking Company, Inc., Atlanta, Georgia, to become a

bank holding company by acquiring Georgia Banking Company,

Atlanta, Georgia (in organization).

Fed Reg - 05/11/2001*

3(a)(1) FGB Bankshares, Inc., Hammond, Louisiana, to become a bank

holding company by acquiring First Guaranty Bank, Hammond,

Louisiana.

N/Avail*

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

Type Application

Ending date of

comment period

4(c)(8) Georgia Banking Company, Inc., Atlanta, Georgia, to acquire

GBC Funding, Inc., Atlanta, Georgia, and thereby engage in

making, acquiring, brokering, or servicing loans or other

extensions of credit.

05/11/2001

4(c)(8) Community Financial Services, Inc., Atlanta, Georgia, prior

notification by Community Financial Services, Inc., Atlanta,

Georgia, to acquire CRE Valuation Group, Inc., Atlanta,

Georgia, and thereby engage de novo in real estate appraisal

activities.

05/03/2001

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None
Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, April 14, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Merger & Branch Citizens First State Bank of Walnut, Walnut, Illinois, for prior

approval to acquire the Wyanet, Illinois branch of Peoples

National Bank of Kewanee, Kewanee, Illinois and thereby to

establish a branch at 135 Main Street, Wyanet, Illinois.*

Newspaper – N/Avail

Merger The Farmers Bank of Mt. Pulaski, Mt. Pulaski, Illinois, for prior

approval to acquire the Mt. Pulaski, Illinois branch office of

Citizens National Bank, Macomb, Illinois.*

Newspaper – 4/16/2001

Merger & Branch M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin, for prior

approval to acquire of the Phoenix, Arizona branch of Harris

Trust Bank of Arizona, Scottsdale, Arizona and thereby to

establish a branch at 19828 North 27th Avenue, 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

Type Application

Ending date of

comment period

3(a)(1) Ameriana Bancorp, New Castle, Indiana, for prior approval to become a

bank holding company through the acquisition of 100 percent of the

voting shares of Ameriana Bank and Trust, SB, New Castle, Indiana

(formerly known as Ameriana Bank & Trust of Indiana).*

Fed Reg – 5/14/2001

Newspaper – N/Avail

3(a)(1) American National Bank of Beaver Dam Employee Stock Ownership

Trust, Beaver Dam, Wisconsin, for prior approval to become a bank

holding company through the acquisition of 30 percent of the voting

shares of Ambanc Financial Services, Inc., Beaver Dam, Wisconsin and

thereby indirectly acquire American National Bank of Beaver Dam,

Beaver Dam, Wisconsin and Bank of Helenville, Helenville,

Wisconsin.*

Fed Reg – 4/25/2001

Newspaper – 4/21/2001
Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) &4(c)(8) First Indiana Corporation, Indianapolis, Indiana, for prior approval to

become a bank holding company through the acquisition of 100 percent

of the voting shares of First Indiana Bank, National Association (in

organization), Indianapolis, Indiana; to engage in community

development activities through its wholly-owned subsidiary, Pioneer

Service Corporation; and in the following nonbanking activities through

its wholly-owned subsidiary, Somerset Financial Services, LLC,

Indianapolis, Indiana: financial and investment advisory activities;

management consulting and counseling activities; real estate and

personal property appraising related to extending of credit and data

processing and to acquire 100 percent of the voting shares of First

Indiana Bank, FSB, Indianapolis, Indiana.*

Fed Reg – 5/04/2001

Newspaper – N/Avail

3(a)(3) Foresight Financial Group, Inc., Rockford, Illinois, for prior approval to

acquire 100 percent of the voting shares of Lena Bancorp, Inc., Lena,

Illinois and thereby indirectly acquire Lena State Bank, Lena, Illinois.*

Fed Reg – 5/11/2001

Newspaper – N/Avail

3(a)(3) Heartland Bancorp, Inc., Bloomington, Illinois, for prior approval to

acquire 100 percent of the voting shares of Chenoa Corporation,

Chenoa, Illinois and thereby indirectly acquire Bank of Chenoa,

Chenoa, Illinois.*

Fed Reg – 5/03/2001

Newspaper – 4/30/2001

3(a)(3) Mahaska Investment Company ESOP, Oskaloosa, Iowa, for prior

approval to acquire an additional 30,000 shares, or 0.76% of the voting

shares of Mahaska Investment Company, Oskaloosa, Iowa.*

Fed Reg – 5/10/2001

Newspaper – N/Avail

4(c)(8) MB Financial, Inc., Chicago, Illinois and Manufacturers National

Corporation, Chicago, Illinois, for prior approval to acquire 100 percent

of the voting shares of FSL Holdings, Inc., South Holland, Illinois and

thereby indirectly acquire First Savings & Loan Association of South

Holland, South Holland, Illinois, and thereby engage in the operation of

a savings association.*

Fed Reg – 4/20/2001

Newspaper – 4/16/2001

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

approval to acquire 100 percent of the voting shares of M&I Bank of

Mayville (in organization), Mayville, Wisconsin.*

Fed Reg – 4/27/2001

Newspaper – 4/26/2001

3(a)(3) Peotone Bancorp, Inc., Peotone, Illinois, for prior approval to acquire

20.62 percent of the voting shares of SouthwestUSA Corporation, Las

Vegas, Nevada and thereby indirectly acquire SouthwestUSA Bank (in

organization), Las Vegas, Nevada.*

Fed Reg – 4/13/2001

Newspaper – 4/14/2001

CIC Notification by Todd R. Nicklaus and Greg P. Nicklaus, of a Change in

Control to acquire an additional 53.25 percent of the outstanding

voting shares of River Valley Bancorporation, Inc., Merrill, Wisconsin.

Fed Reg – 4/17/2001

Newspaper – 4/09/2001

CIC Notification by John Manning, Lynette Manning, George Manning,

Ona Manning, Ann Manning, David Manning, Janet Manning, Albert

Manning, Kim Manning, Matthew Manning, Judith Manning, and

Elizabeth Manning Edwards, of a Change in Control to retain

ownership of Van Buren Bancorporation, Keosauqua, Iowa.

Fed Reg – 4/09/2001

Newspaper – 4/13/2001

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

Type Application

Ending date of

comment period

4(c)(8) East Side Bancorporation, Inc., Chicago, Illinois, notification of

intent to purchase loan participations from its subsidiary bank,

BankChicago, Chicago, Illinois, and thereby to engage in

extending credit and servicing loans.

Fed Reg – 4/11/2001

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

Type Application

Membership Sand Ridge Bank, Highland, Indiana, for prior approval to

become a member of the Federal Reserve System.

Regulation K ABN AMRO Bank N.V., Amsterdam, The Netherlands, for

prior approval to establish a branch at 680 Fifth Avenue, New

York, New York.

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

349044 M&I Bank South Central

205 N. Second Street

Watertown, Wisconsin 53094

(920) 261-7102

12/04/2000 4/10/2001 S X
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, April 14, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch, Branch Notices by Vine Street Trust Company, Lexington, Kentucky, to

relocate its main office from 360 East Vine Street, Lexington,

Kentucky, to 230 Frederica Street, Owensboro, Kentucky, and to

retain the former main office location as a branch facility.*

Newspaper – 5/18/2001

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(3) Notice by Southern Development Bancorporation, Arkadelphia,

Arkansas, to acquire Delta Bank and Trust of Drew, Drew,

Mississippi.*

Newspaper – 5/11/2001

Fed Reg – 5/14/2001

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

3(a)(5)(C) Notice by Farmers Financial Corporation, Milton, Kentucky, to

acquire Farmers Bank of Milton, Milton, Kentucky.
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, April 14, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

5(d)(3) & BKBR Valley Bank of Helena, Helena, Montana, to purchase certain

assets and assume certain liabilities of the Helena and East

Helena, Montana branches of Western Security Bank, Missoula,

Montana, a federal savings bank, and incident thereto establish

two branches.*

5/1/ 2001

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

3(a)(3) BNCCORP, Inc., Bismarck, North Dakota, for prior approval to

acquire 100% of the voting shares of BNC National Bank of

Arizona, Tempe, Arizona, a de novo bank.*

Fed. Reg. – 5/7/2001

Newspaper – 5/7/2001

CIC Kent V. Lovell to become a co-trustee of the Voting Trust

Agreement that controls the McIntosh County Bank Holding

Company, Inc., Ashley, North Dakota.

Fed. Reg. – 5/3/2001

Newspaper – N/Avail.

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

application for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, April 14, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, April 14, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(5) Industry Bancshares, Inc., Industry, TX, to acquire

Coupland Bancshares, Inc., Coupland, TX,

Coupland Bancshares – Nevada, Inc., Carson City, NV, and

Coupland State Bank, Coupland, TX*

(previously reported the week ending April 7, 2001)

Fed Reg – 05/07/2001

Newspaper – 05/14/2001

*Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, April 14, 2001

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

CIC Peter Eliades, Las Vegas, Nevada, retroactive notice to retain 10.69

percent of Business Bank Corporation, Las Vegas, Nevada.*

Newspaper – N/Avail

Fed Reg. – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

revised in May 1995.

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

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

facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None