H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 23 

Week Ending June 4, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions May 29, 2005 to June 4, 2005 

Bank Mergers 

The Citizens Bank, Batesville, Arkansas -- to purchase the assets and assume the 

liabilities of the Cave City branch of First National Bank and Trust Company, 

Mountain Home, and thereby establish a branch. 

- Approved, June 1, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority May 29, 2005 to June 4, 2005 

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

C&CA Consumer and Community Affairs IF International Finance 

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

Bank Branches, Domestic 

Atlanta 

BankEast, Knoxville, Tennessee -- to establish a branch at 10304 Chapman 

Highway, Seymour. 

- Approved, June 2, 2005 

Atlanta 

BankEast, Knoxville, Tennessee -- to establish branches at 8845 and 6000 Kingston 

Pike. 

- Approved, June 2, 2005 

Kansas City 

Colorado Community Bank, Yuma, Colorado -- to establish a branch at 3650 35th 

Avenue, Evans. 

- Approved, June 2, 2005 

Kansas City 

Community Banks of Colorado, Greenwood Village, Colorado -- to establish a 

branch at 848 East 2nd Avenue, Durango. 

- Approved, June 1, 2005 

Kansas City 

Community Banks of Colorado, Greenwood Village, Colorado -- to establish a 

branch at 0070 Benchmark Road, Avon. 

- Approved, June 3, 2005 

Atlanta 

Compass Bank, Birmingham, Alabama -- to establish a branch at Murphy Road and 

Highway 6, Houston, Texas. 

- Approved, June 1, 2005 

San Francisco 

Nara Bank, Los Angeles, California -- to establish a branch at 10055 Garden Grove 

Boulevard, Garden Grove. 

- Withdrawn, May 31, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 5 
H.2 Actions under delegated authority May 29, 2005 to June 4, 2005 

Bank Branches, Domestic 

Richmond 

Rockingham Heritage Bank, Harrisonburg, Virginia -- to establish a branch at 624 

Chicago Avenue. 

- Approved, June 1, 2005 

Bank Holding Companies 

Atlanta 

BankEast Corporation, Knoxville, Tennessee -- to acquire Curtis Mortgage 

Company, Inc., and thereby engage in brokering residential and investor real estate 

loans in the secondary market. 

- Approved, June 2, 2005 

Atlanta 

Business Bank of Florida, Corp., Melbourne, Florida -- to become a bank holding 

company and to acquire Florida Business Bank, formerly known as First Business 

Bank. 

- Approved, June 3, 2005 

Kansas City 

Central Financial Corporation, Hutchinson, Kansas -- to acquire up to 9.93 percent 

of the shares of Fort Worth Bancshares, Inc., Fort Worth, Texas. 

- Approved, June 3, 2005 

St. Louis 

ESB Bancorp, Inc., Elberfeld, Indiana -- to become a bank holding company and to 

acquire The Elberfeld State Bank. 

- Approved, June 1, 2005 

St. Louis 

First National Bancorp, Inc., Green Forest, Arkansas -- to acquire additional shares 

of Legacy National Bank, Springdale. 

- Approved, June 3, 2005 

San Francisco 

Oakland Venture Group, Los Angeles, California -- to become a bank holding 

company and to acquire Innovative Bancorp, Oakland, and Innovative Bank. 

- Approved, June 2, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 5 
H.2 Actions under delegated authority May 29, 2005 to June 4, 2005 

Bank Holding Companies 

Chicago 

PrivateBancorp, Inc., Chicago, Illinois -- to acquire Bloomfield Hills Bancorp, Inc., 

Bloomfield Hills, Michigan, and thereby acquire The Private Bank. 

- Approved, June 2, 2005 

Philadelphia 

Royal Bancshares of Pennsylvania, Inc., Narberth, Pennsylvania -- to engage de 

novo in extending credit and servicing loans. 

- Approved, June 3, 2005 

Kansas City 

Second Capital Investments, LLC, Lees Summit, Missouri -- to become a bank 

holding company and to acquire up to 33.90 percent of the shares of 1st Financial 

Bancshares, Inc., Overland Park, Kansas. 

- Approved, May 31, 2005 

Bank Mergers 

Dallas 

TexasBank, Fort Worth, Texas -- to merge with Northwest National Bank of 

Arlington, Arlington, and thereby establish a branch at 610 West Randol Mill Road. 

- Approved, June 2, 2005 

Bank Premises 

Kansas City 

1st Bank & Trust, Broken Bow, Oklahoma -- to increase its investment in bank 

premises. 

- Approved, June 1, 2005 

Change In Bank Control 

New York 

Amboy Bancorporation, Old Bridge, New Jersey -- to retain control of Amboy 

Bancorporation. 

- Permitted, May 31, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 5 
H.2 Actions under delegated authority May 29, 2005 to June 4, 2005 

Competitive Factors Reports 

San Francisco 

Alaska First Bank and Trust, National Association, Anchorage, Alaska -- report on 

competitive factors of the proposed consolidation of Stewart Bank, N.A., with 

Alaska First Bank and Trust. 

- Submitted, May 31, 2005 

Kansas City 

Central National Bank, Junction City, Kansas -- report on competitive factors of the 

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

National Bank of America, Salina. 

- Submitted, June 2, 2005 

Chicago 

Community Central Bank, Mount Clemens, Michigan -- report on competitive 

factors of the proposed merger with River Place Financial Corp., Detroit. 

- Submitted, May 31, 2005 

Chicago 

Great Western Bank, Clive, Iowa -- report on competitive factors of the proposed 

merger with the Albany, Missouri, branch of UMB Bank, N.A., Kansas City. 

- Submitted, May 31, 2005 

Chicago 

MainSource Bank, Greensburg, Indiana -- report on competitive factors of the 

proposed merger with The Madison Bank and Trust Company, Madison. 

- Submitted, May 31, 2005 

Chicago 

The Peoples State Bank of Mazomanie, Wisconsin, Mazomanie, Wisconsin -- report 

on competitive factors of the proposed merger with Community Bank Spring Green 

and Plain, Spring Green. 

- Submitted, May 31, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 5 
H.2 Actions under delegated authority May 29, 2005 to June 4, 2005 

Extensions Of Time 

Kansas City 

1st Bank & Trust, Broken Bow, Oklahoma -- extension to September 28, 2005, to 

establish a branch at 1912 East Washington, Idabel, and to increase its investment 

in bank premises. 

- Granted, June 1, 2005 

San Francisco 

Western Sierra Bancorp, Cameron Park, California -- extension to August 28, 2005, 

to acquire Gold Country Financial Services, Inc., Marysville, and Gold Country 

Bank, National Association. 

- Granted, May 31, 2005 

(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, June 4, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

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, June 4, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

*3A3 New York Community Bancorp, Inc., Westbury, New York, to 

acquire through its wholly owned subsidiary, New York 

Community Bank, Flushing, New York, 100% of the voting 

shares of New York Commercial Bank, Flushing, New York.

Newspaper – 05/26/2005

Fed Reg – 07/05/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, June 4, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Orrstown Bank, Shippensburg, PA, to establish a branch 

office to be located at 3045 Market Street, Camp Hill 

Borough, Cumberland County, PA.

Newspaper – 06/15/2005

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

Member The First National Bank of Canton, Canton, PA, request to 

become a member of the Federal Reserve System, which 

will result in the bank changing its name to Bank of 

Canton.
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, June 4, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*Branch Sky Bank, 10 E. Main Street, Salineville, OH to establish branch 

facility at Bexley Financial Center, 2631 East Main St., Bexley, 

OH 43209

Newspaper – 06/15/2005

*Branch Sky Bank, 10 E. Main Street, Salineville, OH to establish branch 

facility at Hilliard Financial Center, 2164 Hilliard Rome Rd., 

Columbus, OH 43026

Newspaper – 06/15/2005

*Branch Sky Bank, 10 E. Main Street, Salineville, OH to establish a 

branch facility at Lewis Center Financial Center, 8509 

Owenfield Dr., Powell, OH 43065

Newspaper – 06/15/2005

*Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, June 4, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch First Capital Bank, Glen Allen, Virginia, to establish a branch

at 801 South Adams Street, Petersburg, Virginia.*

Newspaper – 05/28/2005

Branch Bank of the Commonwealth, Norfolk, Virginia, to establish a 

branch at 9636 Cape View Avenue, Norfolk, Virginia.*

Newspaper – 06/04/2005

Branch Highlands Union Bank, Abington, Virginia, to establish a 

branch at 739 Dolly Parton Parkway, Suite C, Sevierville, 

Tennessee.*

Newspaper – 06/20/2005

*Subject to the provisions of the Community Reinvestment Act.

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

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

94522 Benchmark Community Bank

100 South Broad Street

Kenbridge, Virginia 23944

03/21/2005 06/03/2005 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, June 4, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

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

6745 North Church Avenue, Mulberry, Florida, to be known as 

the Mulberry Wal-Mart Office.*

Newspaper – 06/11/2005

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

Bank of the Gulf Coast, Sarasota, Florida.*

Newspaper – 06/13/2005

*Subject to provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) Heritage First Bancshares, Inc., Rome, Georgia, to become a

bank holding company by acquiring 100 percent of the

outstanding shares of DeKalb Bank, Crossville, Alabama.* 

Newspaper – 05/14/2005

Fed Reg – 05/20/2005

4(c)(8) Heritage First Bancshares, Inc., Rome, Georgia, to acquire 100 

percent of the outstanding shares of Heritage First Bank, a 

federal savings association, Rome, Georgia, and thereby engage 

in operating a savings association.*

Newspaper – 05/14/2005

Fed Reg – 05/20/2005

3(a(1) Mountain Valley Bancshares, Inc., Cleveland, Georgia, to

become a bank holding company by acquiring 100 percent of the 

outstanding shares of Mountain Valley Community Bank,

Cleveland, Georgia.*

Newspaper – 06/18/2005

Fed Reg – 06/20/2005

CIC Tattnall Bancshares, Inc., Reidsville, Georgia, prior change in 

control notice filed by E. Bert Register, III and the Trust to be 

established under the will of E.B. Register, Sr., E. Bert Register, 

III as Trustee, both of Reidsville, Georgia, to acquire 54.15 

percent of the outstanding shares of Tattnall Bancshares, Inc., 

and its subsidiary bank. Tattnall Bank, Reidsville, Georgia. Pro 

forma total ownership will be 55.96 percent.

Newspaper – N/Avail

Fed Reg – 07/05/2005

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

Type Application

Ending date of

comment period

None

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, June 4, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Comerica Bank, Detroit, Michigan, to establish three branch 

facilities at the following locations: 1) 3880 FM 1960 West,

Houston, Texas; 2) 11990 FM 1960 West, Houston, Texas; and

3) 115 Louis Henna Blvd., Round Rock, Texas.

Newspaper – N/Avail

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

assets and assume the liabilities of the Manning, Iowa branch 

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

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

Newspaper – N/Avail

* 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) Albany Bancshares, Inc., Albany, Illinois, to acquire 100 percent 

of the voting shares of Hillsdale Development Corporation, 

Hillsdale, Illinois, and thereby indirectly acquire Old Farmers & 

Merchants State Bank, Hillsdale, Illinois.*

Fed Reg – 06/30/2005

Newspaper – N/Avail

CIC Notice by Marjorie E. Binder, Chicago, Illinois, to increase her 

ownership to 97.31 percent of AA common stock and 97.95 

percent of B common stock of Bellwood Bancorporation, Inc., 

Bellwood, Illinois, and thereby indirectly acquire Greater 

Chicago Bank, Bellwood, Illinois.

Fed Reg – N/Avail

Newspaper – N/Avail

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

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

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

County State Bank, Sigourney, Iowa.

Fed Reg – 05/20/2005

Newspaper – 06/14/2005

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

Oswego, Illinois, to increase its ownership from 35.98 percent to 

51 percent of Oswego Bancshares, Inc., Oswego, Illinois, and 

thereby indirectly acquire Oswego Community Bank, Oswego, 

Illinois.*

Fed Reg – 07/05/2005

Newspaper – 06/26/2005

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

Type Application

Ending date of

comment period

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

acquire, indirectly through a newly formed acquisition 

subsidiary, LAH Merger Corp., 100 percent of the voting shares 

of Med-i-Bank, Inc., Waltham, Massachusetts, and thereby 

engage in data processing activities.

Fed Reg – 06/16/2005

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, June 4, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3A3 First National Corporation of Wynne, Wynne, Arkansas, to 

acquire 100 percent of The Bank of Harrisburg, Harrisburg, 

Arkansas.*

Newspaper – 07/03/2005

Fed Reg – N/Avail

3A1 Trubank Securities Trust, St. Louis, Missouri, to become a bank 

holding company by acquiring 25 percent of Truman Bancorp, 

Inc., St. Louis, Missouri, and there indirectly acquire Truman 

Bank, St. Louis, Missouri. (Previously submitted during the 

week ending May 28, 2005.)*

Newspaper – 06/24/2005

Fed Reg – 06/27/2005

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, June 4, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(5) Menahga Bancshares, Inc., Menahga, Minnesota, to acquire 100 

percent of Sebeka Bancshares, Inc., Sebeka, Minnesota, and 

thereby indirectly acquire Security State Bank of Sebeka, 

Sebeka, Minnesota.*

Fed Reg – 06/30/2005

Newspaper – N/Avail

CIC Notice by Dennis W. West, Rice Lake, Wisconsin to gain 

control of Rice Lake Bancorp, Inc., Rice Lake, Wisconsin, and

thereby indirectly gain control of Dairy State Bank, Rice Lake,

Wisconsin and First Bank & Trust, Menomonie, Wisconsin.

Fed Reg – 06/13/2005

Newspaper – 06/14/2005

3(a)(1) St. Joseph Bancshares Acquisitions, Inc., St. Joseph, Minnesota, 

to become a bank holding company by acquiring 100 percent of 

St. Joseph Bancshares, Inc., St. Joseph, Minnesota, and thereby 

indirectly acquire 100 percent of First State Bank of St. Joseph, 

St. Joseph, Minnesota.*

Fed Reg – 06/30/2005

Newspaper – N/Avail

CIC Notice by the John C. Elsenpeter 2004 Term Trust and Vicki J. 

Elsenpeter 2004 Term Trust, both of Walker, Minnesota, to gain 

control of Walker Ban Co., Walker, Minnesota, and thereby 

indirectly gain control of First National Bank of Walker, 

Walker, Minnesota and Lakes State Bank, Pequot Lakes, 

Minnesota.

Fed Reg – 06/22/2005

Newspaper – N/Avail

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

Type Application

Ending date of

comment period

None

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

Type Application

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, June 4, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch United Bank & Trust Company, Marysville, Kansas, to establish 

a branch at 1800 Claflin Road, Manhattan, Kansas.

Newspaper – 06/09/2005

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

Type Application

Ending date of

comment period

3(a)(1) Sixth Bancshares, Inc., Salina, Kansas, to become a bank 

holding company through the acquisition of 100 percent of the 

voting shares of Geneseo Bancshares, Inc., parent of Citizens 

State Bank, both in Geneseo, Kansas.

Newspaper – 07/03/2005

Fed Reg – N/Avail

3(a)(1) FirsTier Bancorp, Cheyenne, Wyoming, to become a bank 

holding company through the acquisition of 100 percent of the 

voting shares of Union Bank Corporation, parent of Union State 

Bank, both in Upton, Wyoming.

Newspaper – N/Avail

Fed Reg – N/Avail

CIC Notice by Mark L. Smith and Ann E. Smith, both of Brookfield, 

Missouri, to acquire control of First Missouri Bancshares, Inc., 

parent of First Missouri National Bank, both in Brookfield, 

Missouri.

Newspaper – N/Avail

Fed Reg – 06/15/2005

CIC Notice by Landon H. Rowland and Sarah F. Rowland, both of 

Kansas City, Missouri, to acquire control of Garden City 

Bancshares, Inc., parent of Garden City Bank, both in Garden 

City, Missouri.

Newspaper – N/Avail

Fed Reg – 06/22/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

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

Type Application

None

Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

736550 Union State Bank

545 Main Street

Everest, Kansas 66424

02/28/2005 06/02/2005 S X

925859 Chetopa State Bank & Trust 

Company

409 Maple

Chetopa, Kansas 67336

02/22/2005 06/02/2005 O 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, June 4, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

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

Type Application

Ending date of

comment period

3(a)(1) Pilot Point Bancorp, Inc., ESOP, Pilot Point, Texas, to become a 

bank holding company by acquiring 26.05 percent of Pilot Point 

Bancorp, Inc., Pilot Point, Texas, and indirectly acquire 

PointBank, Pilot Point, Texas. *

Newspaper – N/Avail

Fed Reg – 06/30/2005

3(a)(3) Greater Southwest Bancshares, Inc., Irving, Texas, to acquire 

100 percent of The Bank of Vernon, Vernon, Texas. *

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
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, June 4, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Bank of Whitman, Colfax, Washington, to establish a branch 

facility to be located at 618 W. Riverside Avenue, Spokane, 

Washington.*

Newspaper – 06/06/2005

Branch United Security Bank, Fresno, California, to establish a branch 

facility to be located at 7088 N. First Street, Fresno, California.*

Newspaper – 06/09/2005

* Subject to the provisions of the Community Reinvestment Act

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

Type Application

Ending date of

comment period

3(a)(1) Washington Bancorp, Inc., Lynnwood, Washington, to become a 

bank holding company by acquiring 100 percent of The Bank of 

Washington, Lynnwood, Washington.*

Newspaper – 06/21/2005

Fed Reg – 07/05/2005

3(a)(1) WSB Financial Group, Inc., Bremerton, Washington, to become 

a bank holding company by acquiring 100 percent of Westsound 

Bank, Bremerton, Washington.*

Newspaper – 06/21/2005

Fed Reg – 07/05/2005

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

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

Type Application

None
Section V – Availability of CRA public evaluations

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

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

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

was revised in May 1995.

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

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

for deposit facilities.

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None